Latest / Earn Your Leisure / EYL #186 Humble Lukanga on Building a Top Financial Firm, & Escaping Genocide in Africa

Transcript

EYL #186 Humble Lukanga on Building a Top Financial Firm, & Escaping Genocide in Africa · Earn Your Leisure

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  Speaker 2: Need, whether it's my business or any business out there
• 1:01
  Speaker 2: you like. I'm a firm believe in my heart of
• 1:03
  Speaker 2: heart set it's not about having resources, it's about being
• 1:06
  Speaker 2: resourceful right and everything that you need is already around you.
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  Speaker 2: It's just the fact that you can see.
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  Speaker 3: It or not.
• 1:15
  Speaker 4: My graduates from my school being forced back drop.
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  Speaker 3: Drop, Mike, drop back drop.
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  Speaker 5: All right, guys, welcome back e y l l A edition.
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  Speaker 6: Just gonna say we're home again.
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  Speaker 5: At home for sure, for sure.
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  Speaker 6: Third old.
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  Speaker 5: Don't forget Atlanta, Atlanta, Miami, La.
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  Speaker 6: We home.
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  Speaker 5: We have a lot of different homes, but this is
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  Speaker 5: something that we've been looking forward to for a long time.
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  Speaker 5: Shout out to our good friend Charlamagne and God so
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  Speaker 5: he I think he was the first person that actually
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  Speaker 5: told me about Humble, and Humble is actually his business advisor,
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  Speaker 5: financial advisor.
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  Speaker 6: Life advisor, wealth manager, yeah.
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  Speaker 5: Wealth manager. So the other first I actually heard about him,
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  Speaker 5: and then we interviewed Bobby Wagner and Bobby Wagner had
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  Speaker 5: mentioned Humble as well. So you put that clip on
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  Speaker 5: your Instagram. So Humble, Louka, that's perfect.
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  Speaker 6: Shout out to.
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  Speaker 5: So Humble. He is actually the CEO of Lifeline Financial Group.
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  Speaker 6: So.
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  Speaker 5: Lifeline Financial Group is a boutique financial planning firm, wealth
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  Speaker 5: management firm with three locations, La, Denver, and Houston. They
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  Speaker 5: have fifty employees and they manage over five hundred million
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  Speaker 5: dollars in assets, right, half a billion, yeah, half a billion.
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  Speaker 6: Does sounds better.
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  Speaker 5: Half a billion, but it's a it's a full service
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  Speaker 5: financial planning firms. So they have tax planning, they have
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  Speaker 5: wealth management, they have a state planning, and they have
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  Speaker 5: you know, different areas, and they have different people like
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  Speaker 5: that will work with a client. So and they work
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  Speaker 5: with very high profile clients in sports and entertainment. Some
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  Speaker 5: of their clients you might have heard of them. We
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  Speaker 5: talked about Charlamagne, the God, Alonzo Ball, Bobby Wagner, just
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  Speaker 5: to name a few. So it's really dope, and I'm
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  Speaker 5: really excited to have this conversation because anybody that watches EYO,
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  Speaker 5: they know that. That's actually was my background before doing
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  Speaker 5: this was for twelve years, I was a financial advisor,
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  Speaker 5: helping people with you know, investments and insurance and state
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  Speaker 5: planning and stuff like that. And that was my original plan.
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  Speaker 5: My original plan was to scale it onto the level
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  Speaker 5: like that you're at because I saw the need, especially
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  Speaker 5: for sports entertainment. It always bothered me that all of
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  Speaker 5: these guys have all of these money, but most of
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  Speaker 5: the representation is white and it's not like you know,
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  Speaker 5: it's not of the culture. So when I found out
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  Speaker 5: about you, I'm like, oh, This is actually dope because
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  Speaker 5: that's something that I had always kind of envisioned. That
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  Speaker 5: was my first plan to actually grow a firm to
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  Speaker 5: the level that you're at right now. So kudos to
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  Speaker 5: you first and PEMO, because I know firsthanded it's not.
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  Speaker 6: Here was some athletes that we was close to. It
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  Speaker 6: almost had a few. Yep, it's another story.
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  Speaker 5: It was cool.
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  Speaker 6: I was like, get it all out of here.
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  Speaker 5: Yep.
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  Speaker 6: Yeah, shout out to the nine.
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  Speaker 5: Yeah. So this is going to be a very interesting
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  Speaker 5: conversation because, you know, talking about how you grew your
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  Speaker 5: business and working with clients and actually growing out a
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  Speaker 5: firm because you know, being a CEO of a firm,
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  Speaker 5: you actually have to manage personnel, not only clients, but
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  Speaker 5: you manage the personnel as well. So putting all the
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  Speaker 5: and your backstory is crazy as far as like where
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  Speaker 5: you come from, incredible. Your journey is like a movie.
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  Speaker 5: So first and Foremos, thank you for joining.
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  Speaker 3: I appreciate it, man, I'm I'm out of be here.
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  Speaker 1: Man.
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  Speaker 2: I got so much respect for you too. You know,
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  Speaker 2: we all like soldiers of the same war, trying to
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  Speaker 2: create financial literacy for our community, and what you guys
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  Speaker 2: have done is unbelievable and the fact that you guys
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  Speaker 2: would even think of to have me on.
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  Speaker 3: And I'm honored. I'm here, full of humility, man, ready
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  Speaker 3: ready to serve and and and share my story. But
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  Speaker 3: I'm honored to be here.
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  Speaker 7: Man, you're very humble, humble, all pun intend I always
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  Speaker 7: know like the type of person we're going to get.
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  Speaker 7: When they start asking personal questions about us, I'm like, oh,
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  Speaker 7: they really rock with us, Troy, you and you miss teaching, Like, oh,
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  Speaker 7: he really knows I was a teacher.
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  Speaker 6: Are you still doing that financially? Like it's like that's dope.
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  Speaker 1: Man.
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  Speaker 7: So I appreciate you for being here. It's gonna be
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  Speaker 7: a classic. We know that in events, no russure.
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  Speaker 5: Sure, So let's get into this all right. So, like
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  Speaker 5: I said, your journey is very interesting, right, so can
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  Speaker 5: you tell you a little bit about your journey as
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  Speaker 5: far as coming from Uganda coming to the States and
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  Speaker 5: how did you get introduced to the world of financial planning.
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  Speaker 2: Yeah, now that's a man, that's a really great question.
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  Speaker 2: And you know, it's like you you wake up and
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  Speaker 2: you see what life has become, you know. But the journey,
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  Speaker 2: I think is like what life is about you know.
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  Speaker 2: So mine started in Uganda, East Africa. I come from
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  Speaker 2: a small little village called Masaca. Well actually the village
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  Speaker 2: is called Masambu, but the district is called Mascca.
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  Speaker 3: So very very very humble beginnings.
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  Speaker 2: I grew up like in this mud you know, this
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  Speaker 2: mud hut, like a little a little mudhouse, like no electricity,
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  Speaker 2: no indoor plumbing, walking every single day to fetch water.
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  Speaker 2: You know, at the time, you know, three out of
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  Speaker 2: four kids a diamond for the age of five, because
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  Speaker 2: famine and malaria and polio was killing everybody. Three four kids, Yeah,
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  Speaker 2: seventy five percent of kids. You know, you know my
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  Speaker 2: own family, you know what I mean. I lost both
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  Speaker 2: of my sisters, you know, to those living conditions. You know,
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  Speaker 2: I come from a nightmare that I wouldn't wish my
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  Speaker 2: worst enemy if I had one, per se. But so
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  Speaker 2: I'm I'm born and raised in Ugana, and you gotta
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  Speaker 2: imagine my father and my mother. You know, they grew up.
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  Speaker 2: So the whole country has been ruled by dictators to
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  Speaker 2: this day. I think the most famous one people know
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  Speaker 2: if it's Edio, but it's been dictator after dictator. You know,
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  Speaker 2: Edia mean to Boti to the seventy. I mean, we've
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  Speaker 2: never had a peaceful transfer of power. So and by
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  Speaker 2: the way, my story, I don't want to I don't
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  Speaker 2: want the audience to feel like a poor humble I'm
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  Speaker 2: the voice of my people. So my story is the
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  Speaker 2: same story for anybody that grew up in Ugana at
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  Speaker 2: this time.
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  Speaker 3: You know, I'm just really.
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  Speaker 2: Lucky to have made it out, to be able to
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  Speaker 2: tell it and to be able to be like a
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  Speaker 2: testimonial or a poster of the Yugandan spirit and who
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  Speaker 2: we are as people. But so my parents, they grew
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  Speaker 2: up in those regimes, right Edia mean and Boti and
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  Speaker 2: at the time, you know, my father had ten siblings, right,
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  Speaker 2: nine of the cease my mother you know, you know,
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  Speaker 2: going through the same situation.
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  Speaker 3: Everybody's going through this.
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  Speaker 2: I mean, to this day, fifty percent of the entire
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  Speaker 2: population in Uganda's under the age of fifteen.
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  Speaker 3: That's fifteen, that's orphans, right, So.
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  Speaker 2: We lost a lot. And uh and my father, man,
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  Speaker 2: he would he will fight to get us a plitical asylum,
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  Speaker 2: right because you got imaginement. He had lost nine of
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  Speaker 2: his siblings and then now he's losing children, my sisters,
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  Speaker 2: you know, so me and my brother are still alive
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  Speaker 2: and he's and he's just you know, him and my
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  Speaker 2: mother just fighting to get us out of out of Uganda.
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  Speaker 2: And through the grace of God. Man, when I'm like
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  Speaker 2: eleven years old, I get a plitical asylum, and a
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  Speaker 2: politic asylum allows you to escape the bondage that you're
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  Speaker 2: in and.
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  Speaker 3: Go to a place where it's safe.
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  Speaker 2: Right, So we came to Denver, Colorado, and uh, you
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  Speaker 2: can look at imagine up from Uganda. Man, I'm from Masaka,
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  Speaker 2: Like I literally grew up twenty three degrees under the
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  Speaker 2: equator and in boom.
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  Speaker 3: You know, I'm eleven and I'm in Uh.
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  Speaker 2: I had never seen snow, let alone white people, right,
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  Speaker 2: So what's everything?
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  Speaker 3: Everything is? Everything is a complete culture shock.
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  Speaker 2: But but I feel I'm so I'm so grateful that
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  Speaker 2: happened for me. And I remember getting those getting you know,
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  Speaker 2: getting getting those shoes and and and walking on that
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  Speaker 2: plane and knowing that on one on on one hand,
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  Speaker 2: my life is, my life is going to be spared.
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  Speaker 2: But on the other hand, knowing I'm leaving everything and
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  Speaker 2: everything I've ever known behind, you know, So I landed,
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  Speaker 2: I landed, uh in Denver. And so when you come,
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  Speaker 2: when you get here minutes, it's a crazy culture shock, right.
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  Speaker 3: Uh and uh.
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  Speaker 2: And you're trying to you know, you I'm from like
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  Speaker 2: I'm from You're gone to East Africa. So it's a
• 9:32
  Speaker 2: complete culture shock. I mean, so you know, I'm support
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  Speaker 2: So I started. I was supposed to be public in
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  Speaker 2: fifth grade, but I got to start in kindergarten to
• 9:40
  Speaker 2: learn what a now it is whatever?
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  Speaker 3: You know what I mean, how to speak the ladygarten
• 9:44
  Speaker 3: what I mean with the sixth graders. So they had
• 9:46
  Speaker 3: this program called English has a second year. I'm just
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  Speaker 3: in there with this, you know what I mean. I'm
• 9:50
  Speaker 3: in here like I'm just I can't even fifth the chairs.
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  Speaker 2: But I was really lucky though, because I had a
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  Speaker 2: I was I didn't know, but at the time I
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  Speaker 2: I had a brain that comprehendive, rely fast, you know
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  Speaker 2: what I mean. So by the time I'm in eighth grade,
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  Speaker 2: I really caught up to my peers, right, and in
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  Speaker 2: certain ways I'm starting to really excel, like in math
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  Speaker 2: and science.
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  Speaker 5: Right.
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  Speaker 2: And but you know, my mother when my mother got here,
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  Speaker 2: my father got here. You know, my mother cleaned people's homes.
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  Speaker 2: That's wy s she put foot on the table. She
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  Speaker 2: was a housekeeper. And then my father cleaned restaurants at night.
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  Speaker 2: You know, he was a janitor. So so we're trying
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  Speaker 2: to you know, life is starting to kind of come together.
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  Speaker 2: You know, I'm heading into my freshman of high school.
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  Speaker 2: And then my mother has a stroke and the stroke
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  Speaker 2: was so severe, left the paralyzed with.
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  Speaker 3: The neck down, you know what I mean.
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  Speaker 2: So, and my mother was a mat sharch of the family, right,
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  Speaker 2: the spirit of our family. And they give out like
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  Speaker 2: six months to live. So I'm the one to put
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  Speaker 2: in a hospice hospital right where like a nurse assist
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  Speaker 2: can take care of her until a dying day. And
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  Speaker 2: my father refused, and he was already my hero, but
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  Speaker 2: in that moment he became my example, right, and he said, no,
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  Speaker 2: I'm not doing that. You know, he said, if somebody's
• 10:53
  Speaker 2: gonna bathe her, take her to the bathroom, brush your
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  Speaker 2: teeth wiper, it's going to be me. So he sits
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  Speaker 2: me down and he says, okay, Humble, I'm gonna take
• 11:02
  Speaker 2: care of your mother all day, but you have to
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  Speaker 2: take over the cleaning ships at night. So this I'm
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  Speaker 2: getting into finance, right, sore, so he sent me down.
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  Speaker 2: He says, okay, so this is the plan man. After school.
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  Speaker 2: So I remember like he was yesterday. Man, I would
• 11:15
  Speaker 2: wake up as five forty five in the morning. I
• 11:17
  Speaker 2: bet the school stop a bus stop a six forty five.
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  Speaker 2: I'd be a school of seven fifteen. Get back home
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  Speaker 2: at three thirty. I would do my homework, eat something,
• 11:25
  Speaker 2: take a nap, and by like eight o'clock, my old
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  Speaker 2: man is dropping me off to clean office buildings and
• 11:30
  Speaker 2: Bennigan's and Applebee's and you name it. At this point,
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  Speaker 2: this point, I'm barely fifteen.
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  Speaker 6: Ok.
• 11:37
  Speaker 3: Yeah.
• 11:37
  Speaker 2: So it was in those nights, Man, where your friends
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  Speaker 2: are at a high school party or playing a sport
• 11:43
  Speaker 2: or you know, or maybe just resting because they got
• 11:46
  Speaker 2: an exam, and you up cleaning toilets and bathrooms. It
• 11:48
  Speaker 2: was in that moment where I said, you know, I
• 11:50
  Speaker 2: got to change your curse of poverty for my family.
• 11:52
  Speaker 3: You know, I was.
• 11:54
  Speaker 2: I felt like this, this curse of poverty has to
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  Speaker 2: stop with me. And that's when I started to to
• 12:00
  Speaker 2: figure out, like, how can you make that? How could
• 12:02
  Speaker 2: you make that possible?
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  Speaker 6: You know?
• 12:05
  Speaker 2: And so every night I would clean, Man, Every night,
• 12:10
  Speaker 2: I would clean it is. There'll be some times when
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  Speaker 2: my father will come help me if I have like
• 12:12
  Speaker 2: an exam or something. But I cleaned so much. And
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  Speaker 2: when you clean that much, I don't care how much
• 12:16
  Speaker 2: you shower or put cocoa butter on. You can't take
• 12:18
  Speaker 2: the stinch of bleach off your hands, you know. But
• 12:23
  Speaker 2: but I knew. I knew that they like if I
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  Speaker 2: I got to find a way to change a curse
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  Speaker 2: of poverty for my family, you know. And and the
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  Speaker 2: first time I remember, I had a beautiful high school principal,
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  Speaker 2: man that he's passed on, but he was he was
• 12:36
  Speaker 2: incredible man. His name was John Buckner, and I mister
• 12:39
  Speaker 2: Buckner was like he was a legend in all of
• 12:42
  Speaker 2: our eyes who went high school at the time. And
• 12:44
  Speaker 2: he just took a liking to me. And I spent
• 12:46
  Speaker 2: a lot of time in his office. I was like,
• 12:47
  Speaker 2: the kid who was in the principal's office was never
• 12:49
  Speaker 2: in trouble.
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  Speaker 5: You know.
• 12:50
  Speaker 3: He knew my story.
• 12:51
  Speaker 2: And one day I asked him, I said, mister Buckner, man,
• 12:53
  Speaker 2: how do I how do I change the curse of
• 12:55
  Speaker 2: poverty for my family? And he was like, man, you
• 12:57
  Speaker 2: gotta learn how money works. And it just like I
• 13:01
  Speaker 2: was like, what do you mean how money works? You
• 13:02
  Speaker 2: know what I mean, money works? What does that actually mean?
• 13:05
  Speaker 3: And any uh? And he and he said, okay, man.
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  Speaker 6: Uh.
• 13:09
  Speaker 2: He introduced me to Think and Grow Rich by Napoleon Hill,
• 13:13
  Speaker 2: And I'm sure you guys have read that book. I mean,
• 13:14
  Speaker 2: it just changed my life, you know, like Napoleon with
• 13:19
  Speaker 2: his principles of and this was the first book that
• 13:21
  Speaker 2: I read that didn't teach you what to think, but
• 13:23
  Speaker 2: how to think, you know, and how to make sure
• 13:25
  Speaker 2: that your your dreams are bigger than your bedroom window, right,
• 13:28
  Speaker 2: how to how to think positively?
• 13:29
  Speaker 3: How all these different things just inspired me.
• 13:32
  Speaker 2: You probably the first book that I got a sense
• 13:34
  Speaker 2: of worth, right, and then it also induced me to
• 13:37
  Speaker 2: reach that poor dad and I read that book as well,
• 13:40
  Speaker 2: and I was like, oh man, you know, so I
• 13:42
  Speaker 2: started to feel really really really inspired. Now, mind you,
• 13:44
  Speaker 2: my mother is fighting at this point, so she's alive
• 13:46
  Speaker 2: past six months, you know, through her courage, in God's
• 13:49
  Speaker 2: grace and my father's love. She's fighting. She's fighting. So
• 13:51
  Speaker 2: she ended up staying alive my whole high school career.
• 13:54
  Speaker 2: So I literally became a professional janitor, you know what.
• 13:56
  Speaker 2: I mean to this day, I'm not taking out to trash.
• 14:00
  Speaker 3: I'm done.
• 14:00
  Speaker 6: I've done, You've done, You've done.
• 14:02
  Speaker 3: I'm done. I did, I'm but.
• 14:05
  Speaker 2: I remember being really inspired to where my senior year,
• 14:07
  Speaker 2: I asked my father if I can drop one of
• 14:09
  Speaker 2: the restaurants to pick up a paper route so I
• 14:11
  Speaker 2: can have access to the Financial Times. And so then
• 14:14
  Speaker 2: he introduced me to our Warren Buffett and I said, Arina,
• 14:17
  Speaker 2: about all these luminaries, you know, And I said, man,
• 14:19
  Speaker 2: I'm gonna do something about this. But I had no
• 14:21
  Speaker 2: idea what like what I was going to do until
• 14:23
  Speaker 2: I got to college. Right, So my mother ends up
• 14:25
  Speaker 2: passing away from the stroke eventually. Now in my culture,
• 14:29
  Speaker 2: you know, it was important in our culture, we have
• 14:30
  Speaker 2: to bury her back where we're from so she can
• 14:33
  Speaker 2: go to rest with our ancestors. And so we en
• 14:36
  Speaker 2: route to go have the funeral in Uganda, and then my.
• 14:39
  Speaker 3: Father has a heart attack and he passes away.
• 14:41
  Speaker 7: You do it all without breaking a sweat, like being
• 14:44
  Speaker 7: a boss. Exec to Tuesday Tennis, to homework, a why
• 14:47
  Speaker 7: do kids have so much homework? Family dinners, lunches, brunches,
• 14:51
  Speaker 7: trips to the vet, and a weekend getaway that's anything
• 14:54
  Speaker 7: but a getaway, and you do it all in style,
• 14:57
  Speaker 7: even when you have back to back conference call on
• 15:00
  Speaker 7: top of the kid's orchestra recitals, not to mention your
• 15:03
  Speaker 7: side hustle.
• 15:05
  Speaker 6: That's why they created.
• 15:06
  Speaker 7: The fully reimagined Infinity q X sixty, a luxury suv
• 15:10
  Speaker 7: as functional as it is stylish and as versatile as
• 15:13
  Speaker 7: it is serene, with premium freachures like a panoramic moonroof,
• 15:17
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  Speaker 6: Learn more at INFINITYUSA dot com.
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  Speaker 7: Now with extremely limited availability, contact your local retailer for
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• 15:42
  Speaker 3: En route, So as you're going airplane, Yeah, on air plane.
• 15:45
  Speaker 7: He had a heart attack on an air As you're
• 15:48
  Speaker 7: going to your mom's, your dad passes.
• 15:49
  Speaker 2: Actually died in route through Egypt, right, So, Nike, A
• 15:53
  Speaker 2: long story short, you know now, I'm I definitely had
• 15:56
  Speaker 2: to put both pans to rest and relatively almost the
• 15:59
  Speaker 2: same time.
• 16:00
  Speaker 5: Though.
• 16:00
  Speaker 3: It's crazy.
• 16:02
  Speaker 2: So I get back, so I get back now. I
• 16:05
  Speaker 2: get at this point, man, I had pretty much lost
• 16:07
  Speaker 2: my entire family and my immediate family except for my brother,
• 16:11
  Speaker 2: who I would unfortunately lose in a car accident in
• 16:13
  Speaker 2: twenty seventeen.
• 16:14
  Speaker 3: But I get back. I'm the only person in America
• 16:17
  Speaker 3: right now.
• 16:17
  Speaker 2: And I was in the library and I read this
• 16:20
  Speaker 2: article that said seventy eight percent of our professional athletes
• 16:23
  Speaker 2: in the NFL were going broke two to three years
• 16:26
  Speaker 2: after they're retired. And I remember reading this article, man,
• 16:28
  Speaker 2: and it broke my heart because.
• 16:29
  Speaker 6: I said, this is that, this is when you go
• 16:31
  Speaker 6: to New Mexico.
• 16:32
  Speaker 3: This when I back in Mexico.
• 16:33
  Speaker 6: Yeah, Lobos, yeah, Lobo, yeah yeah. Yeah. So now you're
• 16:37
  Speaker 6: coming back. You're going to college.
• 16:38
  Speaker 2: Yeah, now I'm back down to school, right, And you
• 16:40
  Speaker 2: got imagine the hardest moment of my life.
• 16:42
  Speaker 3: Man.
• 16:42
  Speaker 2: If if life is glassed, there's pieces of mine everywhere, right,
• 16:45
  Speaker 2: So I'm just trying to pick up a piece every
• 16:47
  Speaker 2: single day.
• 16:48
  Speaker 3: And and I'm a nerd. I love to read.
• 16:50
  Speaker 2: So I spent a lot of time in the library,
• 16:53
  Speaker 2: mostly because they had free free tam free snacks. I
• 16:55
  Speaker 2: just go in there and eat tape, some money for
• 16:57
  Speaker 2: you know what, I'm saying so, But I read this
• 16:59
  Speaker 2: article man Now, and it broke my heart because these
• 17:01
  Speaker 2: young men were coming from their own struggle, having an
• 17:05
  Speaker 2: opportunity to build generational wealth and freedom for their families,
• 17:07
  Speaker 2: but ending up worse than even they started in most times,
• 17:11
  Speaker 2: in most cases and not. It didn't make sense to
• 17:13
  Speaker 2: me because they all had these financial advisors and agents
• 17:16
  Speaker 2: and you know, these business teams around them.
• 17:19
  Speaker 3: So how was a out of ten going broke?
• 17:21
  Speaker 5: Right?
• 17:21
  Speaker 3: I became obsessed with it.
• 17:22
  Speaker 2: I became obsessed, and I was trying to figure out
• 17:24
  Speaker 2: why this was happening, especially to men who looked like me,
• 17:27
  Speaker 2: at such a rapid rate. And the more and more
• 17:30
  Speaker 2: and more that I dug into it was so negative
• 17:32
  Speaker 2: and disparaging towards these young men. Or they're reckless, they're unintelligent,
• 17:36
  Speaker 2: they're undisciplined. But it didn't make sense to me because
• 17:39
  Speaker 2: they all had these business teams, right, these agents, financial
• 17:42
  Speaker 2: advisors and everybody. And it became quite clear to me
• 17:45
  Speaker 2: that they were being taken advantage of. Because if you
• 17:47
  Speaker 2: go to a hospital and eight out of ten patients
• 17:49
  Speaker 2: are dying two to three years after the leave that hospital,
• 17:52
  Speaker 2: you're not calling those patients, you know, reckless or unintelligent
• 17:55
  Speaker 2: or undisciplined. Right, you're saying, what that was going on
• 17:57
  Speaker 2: with the doctors. And so it was in that moment,
• 18:00
  Speaker 2: in the hardest moment of my life, where I said, man,
• 18:02
  Speaker 2: I found it was like almost like God was speaking
• 18:04
  Speaker 2: to me, because it's love that I have found in
• 18:06
  Speaker 2: high school for finance was not finding a mission, right,
• 18:10
  Speaker 2: And the more I dug into us as our community,
• 18:12
  Speaker 2: the same thing has happened to our athletes, same thing was.
• 18:15
  Speaker 3: Happening to our entertainers. And as we know, these are
• 18:17
  Speaker 3: some these.
• 18:18
  Speaker 2: Are our heroes, right, this is how we were able
• 18:21
  Speaker 2: to get out of slavery, and we're through entertainment through sports,
• 18:23
  Speaker 2: so that these these are our heroes and they all
• 18:25
  Speaker 2: ending up in destitute. So I said, I want to
• 18:27
  Speaker 2: do something about this, right, And and when you're young,
• 18:30
  Speaker 2: you have no idea how hard it's going to be.
• 18:32
  Speaker 2: But through the grades of God and and you know,
• 18:34
  Speaker 2: all of my teammates that work with me, I think
• 18:37
  Speaker 2: we've built the most dynamic business and wealth management firm
• 18:41
  Speaker 2: in the country for for our athletes and our entertainers
• 18:45
  Speaker 2: and our executives. And it's been the honor of my
• 18:48
  Speaker 2: life to lead this this firm, to to ensure that
• 18:52
  Speaker 2: we build generational wealth, which equates to generational freedom.
• 18:56
  Speaker 3: You know what I mean. That's a long story.
• 18:58
  Speaker 5: To it was definitely good. It was good to get
• 19:02
  Speaker 5: the backstory. So all right, so let's get into this.
• 19:05
  Speaker 5: So you have, you know, one of the top wealth
• 19:08
  Speaker 5: management firms in the world. But all right, what were
• 19:12
  Speaker 5: the steps to do that? As far as like you said, okay,
• 19:14
  Speaker 5: I want to get into finance, right, did you start
• 19:17
  Speaker 5: working for a firm at first and get your series six,
• 19:20
  Speaker 5: series seven and stuff like that, Like, what were the
• 19:22
  Speaker 5: steps that you actually got Because there's a lot of
• 19:24
  Speaker 5: people that are financial advisors, but there's not a lot
• 19:26
  Speaker 5: of people that actually own their own financial plan firm.
• 19:29
  Speaker 5: Most people work for either you know, institutions on the
• 19:34
  Speaker 5: insurance side or on the investment side, like they might
• 19:37
  Speaker 5: work for like Fidelity, or they might work for like
• 19:39
  Speaker 5: an insurance company. So how did you take the steps
• 19:43
  Speaker 5: to actually and doing it at a young age? What
• 19:45
  Speaker 5: would the steps to actually go to be an entrepreneur
• 19:48
  Speaker 5: and have you know the firm.
• 19:50
  Speaker 2: That's a really great question, man. You know, I've I
• 19:54
  Speaker 2: was coming of age in that two thousand and seven,
• 19:57
  Speaker 2: two thousand and eight, when the world was on fire,
• 20:00
  Speaker 2: the markets have crashed, was in the.
• 20:02
  Speaker 3: Greatest you know, that's when you came into posession. Yeah,
• 20:04
  Speaker 3: two thousand and eight.
• 20:05
  Speaker 2: Yeah, it was crazy, right, And like you're seeing companies
• 20:08
  Speaker 2: around one hundred plus years, Bear Sterns, Lehman Brothers, like
• 20:11
  Speaker 2: either they're here on Friday and they're going on Monday.
• 20:13
  Speaker 3: Over the weekends, like trillions of dollars was going.
• 20:17
  Speaker 6: And I remember, I mean it was the you guys
• 20:19
  Speaker 6: was in New York especially.
• 20:21
  Speaker 2: The world was on fire, right, it was burning, and
• 20:23
  Speaker 2: and I remember coming of age, and I'm thinking, man,
• 20:26
  Speaker 2: how is this possible?
• 20:27
  Speaker 5: You know.
• 20:27
  Speaker 2: I started, I'm doing my research, and I realized right
• 20:29
  Speaker 2: away that I just want to be respectful. But I
• 20:31
  Speaker 2: realized the way that I don't want to go work
• 20:34
  Speaker 2: at these wirehouses because if this can happen, if if
• 20:38
  Speaker 2: they can make up these these products right that are
• 20:41
  Speaker 2: that are illegal and and you know what, I mean,
• 20:43
  Speaker 2: to boost these bonds and all these different things that
• 20:45
  Speaker 2: led to them crash of the market, I don't want
• 20:48
  Speaker 2: to be a part of that, right. So and on
• 20:50
  Speaker 2: my mission, I said, I have to build the firm myself,
• 20:53
  Speaker 2: like you know, and you know what I mean, Like,
• 20:54
  Speaker 2: I have to do it my way, and I know
• 20:56
  Speaker 2: it's going to be the harder.
• 20:57
  Speaker 3: Way to do it. But I had two goals.
• 20:59
  Speaker 2: I wanted to I wanted to protect people to look
• 21:02
  Speaker 2: like me, I help them build generational wealth and freedom.
• 21:05
  Speaker 2: And then I wanted to give amazing jobs to people
• 21:07
  Speaker 2: that look like me who wanted to work in this industry. Right,
• 21:11
  Speaker 2: And the way to have that type of to serve
• 21:13
  Speaker 2: that mission, I knew I had to take the route
• 21:16
  Speaker 2: that was less traveled and become and start the business myself. Now,
• 21:21
  Speaker 2: whether it's my business or any business out there, you like,
• 21:25
  Speaker 2: I'm a firm believe in my heart of heart set.
• 21:27
  Speaker 2: It's not about having resources. It's about being resourceful, right,
• 21:31
  Speaker 2: and everything that you need is already around you. It's
• 21:35
  Speaker 2: just the fact that you can see it or not,
• 21:37
  Speaker 2: if that makes sense, right. So when I was starting out,
• 21:40
  Speaker 2: I said, okay, I started researching. I started researching, you know,
• 21:45
  Speaker 2: people who looked like me, who was doing this. But
• 21:47
  Speaker 2: at the same time, like I was looking around my
• 21:50
  Speaker 2: version of New Mexico and I was seeing I was
• 21:53
  Speaker 2: really big on the campus and now was seeing like
• 21:55
  Speaker 2: athletes that had a chance to go through the pros
• 21:56
  Speaker 2: that I was really good friends with. So I told
• 21:58
  Speaker 2: them about my dream. I said, hey, this is what
• 22:00
  Speaker 2: I wanted to do.
• 22:01
  Speaker 6: Right.
• 22:01
  Speaker 2: This was guys like Glover Quinn, right, who guys like
• 22:05
  Speaker 2: j R. Getting So these were these peers, Yeah, from
• 22:10
  Speaker 2: Oklahoma City, the Red Dirt, a play of cancers yet yeah,
• 22:14
  Speaker 2: so these are men that are that.
• 22:16
  Speaker 3: I'm that that are my peers.
• 22:17
  Speaker 2: And we all here together and I went and I said, hey,
• 22:20
  Speaker 2: this is what I want to do, and I want
• 22:22
  Speaker 2: to protect you guys. I want to do this. And
• 22:24
  Speaker 2: they gave me a chance, you know what I mean?
• 22:26
  Speaker 2: And uh, you gotta imagine. And that's why I come
• 22:30
  Speaker 2: here with. I wake up with added to the gratitude
• 22:33
  Speaker 2: because as hard as we all work, and as and
• 22:36
  Speaker 2: as determined and as purposefully driven as we all are, man,
• 22:40
  Speaker 2: you need you need a lady of luck to show up, right.
• 22:42
  Speaker 2: You need somebody to somebody to believe in you. You know,
• 22:46
  Speaker 2: even at the university I was at. I don't know
• 22:48
  Speaker 2: if you guys know the legendary running back Arian Foster.
• 22:51
  Speaker 6: Yeah, he was Houston.
• 22:53
  Speaker 2: Yes, he was a he was a Tennessee at the
• 22:55
  Speaker 2: time in two thousand, in two thousand and seven, thousand
• 22:57
  Speaker 2: and eight, and but his mother worked at the it
• 23:00
  Speaker 2: worked at U and m with the University of New Mexico, right,
• 23:02
  Speaker 2: So I was able So when everything fell apart for
• 23:05
  Speaker 2: him and he went undrafted and all that stuff, I
• 23:07
  Speaker 2: was able to meet him at the lowest point of
• 23:09
  Speaker 2: his life and got his career.
• 23:11
  Speaker 6: Wow.
• 23:11
  Speaker 3: So there was there was these people.
• 23:13
  Speaker 2: Around me that believed in my soul and my spirit
• 23:15
  Speaker 2: that gave me a chance, you know, when I'm twenty
• 23:17
  Speaker 2: years old, right to build from there. And then like
• 23:21
  Speaker 2: I said earlier, you know, friends started to bring friends
• 23:24
  Speaker 2: and that's how we kind of that's how that's how
• 23:25
  Speaker 2: I kind.
• 23:26
  Speaker 7: Of so Arian, I mean, he's the biggest client that
• 23:30
  Speaker 7: you had to start at the time at the time.
• 23:32
  Speaker 6: At the time, yeah, at the time, well, he.
• 23:34
  Speaker 2: Was the smallest client I had at the time because
• 23:36
  Speaker 2: he was undrafted. He had true thirty two hundred dollars
• 23:38
  Speaker 2: to his name. We had nothing to manage, right, So
• 23:40
  Speaker 2: what was the what do you explaining to him? This
• 23:42
  Speaker 2: is what are you telling him? This is what I'm offering,
• 23:44
  Speaker 2: because this isn't like agent story. This is like I'm
• 23:47
  Speaker 2: about to be your financial wealth planner.
• 23:49
  Speaker 7: Right, So what's the conversation that you have in obviously
• 23:52
  Speaker 7: the connection with his mom, did you have to like
• 23:54
  Speaker 7: explain to her first and then get in contact with him?
• 23:56
  Speaker 6: And now it was like, all right, now we got
• 23:58
  Speaker 6: this meeting. What do you explaining to him?
• 24:00
  Speaker 5: Yeah?
• 24:00
  Speaker 3: Great question.
• 24:01
  Speaker 2: Yeah, so yes, you're trying to get everybody on board
• 24:03
  Speaker 2: to give this kid a chance. Right, So I'm meeting
• 24:06
  Speaker 2: with everybody. But I always know my heart of hearts man,
• 24:10
  Speaker 2: since I was like six seven years old, it's life
• 24:13
  Speaker 2: has life has always made sense to me that like,
• 24:16
  Speaker 2: you can get all that you want out of life
• 24:18
  Speaker 2: if you can help other people get old that they
• 24:19
  Speaker 2: want out of life.
• 24:21
  Speaker 3: It's that simple.
• 24:22
  Speaker 2: So if I'm sitting down, I'm sitting here with Arian.
• 24:25
  Speaker 2: He has a daughter on the way, he just got
• 24:28
  Speaker 2: went undrafted. His dream that he's been chasing since he
• 24:32
  Speaker 2: was five years old is gone, right, and now at
• 24:35
  Speaker 2: that pointment, everybody's gone, right, And so I felt like
• 24:38
  Speaker 2: God to put me in in his life at that
• 24:39
  Speaker 2: particular moment for the war that we were about to
• 24:41
  Speaker 2: go on, right, And so at that point nobody was around,
• 24:46
  Speaker 2: but he saw like my conviction and just trying to
• 24:49
  Speaker 2: help him get all that he wanted to make sure
• 24:51
  Speaker 2: he can provide for his daughter. Right, And so though
• 24:54
  Speaker 2: he only had thirty two hundred dollars, you know, I
• 24:56
  Speaker 2: tell people all the time that because a lot of
• 24:59
  Speaker 2: people feel like, well, when I get rich, when I
• 25:00
  Speaker 2: get wealthy and I have something to manage, that's when
• 25:02
  Speaker 2: I get a financial plan instant, I said, you know,
• 25:05
  Speaker 2: not having a plan is a plan, it's just a
• 25:07
  Speaker 2: really bad one.
• 25:08
  Speaker 5: Right.
• 25:08
  Speaker 2: So even for him, you only got thirty two hundred dollars,
• 25:11
  Speaker 2: you gotta look at this like you gotta you know,
• 25:13
  Speaker 2: you gotta look at this like everything right, And and
• 25:17
  Speaker 2: but I he had he he oh, I think one
• 25:20
  Speaker 2: of my greatest gifts in life is like I've never
• 25:21
  Speaker 2: liked foresight. I can see somebody and know what they're
• 25:24
  Speaker 2: what they're going to be before the world can see it.
• 25:26
  Speaker 2: And meeting him or I knew he was gonna do
• 25:27
  Speaker 2: what he was going to do because he had a
• 25:29
  Speaker 2: he had a focus on a work ethic that was
• 25:31
  Speaker 2: not going to be denied.
• 25:32
  Speaker 6: Right.
• 25:32
  Speaker 2: But I just had to clear the way so he
• 25:34
  Speaker 2: can just focus on what he had to focus on.
• 25:36
  Speaker 2: And I'm proud man, because we took that to you know,
• 25:38
  Speaker 2: we went from thirty two hundred dollars to you know
• 25:40
  Speaker 2: to you know, sixty million, right, so it was the
• 25:43
  Speaker 2: hell of a run.
• 25:44
  Speaker 5: So when you was just starting out and you was
• 25:45
  Speaker 5: actually managing the clients, were you what were you doing?
• 25:48
  Speaker 5: You were doing investment advising or you were doing insurance,
• 25:50
  Speaker 5: you were doing in states? Like what were you actually
• 25:52
  Speaker 5: doing yourself?
• 25:53
  Speaker 2: Yeah, so we were so yeah, when I when I
• 25:56
  Speaker 2: first started, you got to wear all the hats, you
• 25:57
  Speaker 2: know what I mean. So, so you know, all the bookkeeping,
• 26:00
  Speaker 2: all the counting, all the insurance planning, you know, state planning,
• 26:06
  Speaker 2: you know, you know, you know everything you do as
• 26:08
  Speaker 2: a as a as a as a financial planner. But
• 26:10
  Speaker 2: then also stuff that's not even your job description, right,
• 26:13
  Speaker 2: bucket flights, concierge, you know, just like whatever they needed
• 26:16
  Speaker 2: you wanted to you, you wanted you, you had to
• 26:18
  Speaker 2: serve them.
• 26:19
  Speaker 3: And as as as as.
• 26:22
  Speaker 2: A firm grew, then you you brought on more, you know,
• 26:24
  Speaker 2: you brought on more people to kind of help you, right,
• 26:26
  Speaker 2: but initially you had to you got to wear all
• 26:28
  Speaker 2: the hats, you know.
• 26:30
  Speaker 7: So, as you said, as the firm grew, So at
• 26:32
  Speaker 7: what point how many clients was it was like a
• 26:35
  Speaker 7: specific number, like I got five clients, We got to
• 26:37
  Speaker 7: hire somebody else. How are you How did you scale
• 26:39
  Speaker 7: it to add people to work with you to help
• 26:41
  Speaker 7: out with these these rules.
• 26:42
  Speaker 3: It's a gut feel, you know what I mean.
• 26:44
  Speaker 2: And also sometimes you you're taking on more than you
• 26:46
  Speaker 2: can afford, just hoping through God's grace, you know what
• 26:49
  Speaker 2: I'm saying, because like, but also people believe in you
• 26:52
  Speaker 2: along the way, right, So you're like my brother Tony,
• 26:55
  Speaker 2: who you guys know, I was mentoring him for for
• 26:57
  Speaker 2: for a long time.
• 26:58
  Speaker 6: And that's fun, he said, he mentored you.
• 27:00
  Speaker 3: Here's what he's saying. I'm Joe, so he teaches me
• 27:04
  Speaker 3: things every day.
• 27:05
  Speaker 2: But you know, I love I love our story because
• 27:08
  Speaker 2: for you asked, Like, when I met Tony, he was,
• 27:11
  Speaker 2: you know, he was already like you know, doing sports management,
• 27:13
  Speaker 2: working the law firm, making six figures, really successful, and
• 27:16
  Speaker 2: I was mentoring him every step of the way to
• 27:17
  Speaker 2: make sure that he was making the right decisions to
• 27:19
  Speaker 2: be successful in sports. And then but the whole time,
• 27:22
  Speaker 2: in the back of my mind, I knew I was
• 27:24
  Speaker 2: just grooming him to come to, you know, to come
• 27:25
  Speaker 2: be my.
• 27:25
  Speaker 3: Head of sports, right.
• 27:26
  Speaker 6: Yeah.
• 27:28
  Speaker 2: And so when I was finally ready to to make
• 27:30
  Speaker 2: him a job offer, I said, hey, listen, I want
• 27:33
  Speaker 2: you to come and I want you to come join
• 27:35
  Speaker 2: a lifeline.
• 27:36
  Speaker 3: But I'm not paying you that six figures. You know
• 27:38
  Speaker 3: what I'm saying.
• 27:38
  Speaker 2: I'm gonna pay you three thousand dollars a month ten
• 27:41
  Speaker 2: ninety nine. By the way, so don't don't talk about
• 27:43
  Speaker 2: benefitsta oh. And by the way, that nice condo that
• 27:47
  Speaker 2: you have, you gotta, you gotta when the lease is over,
• 27:49
  Speaker 2: you gotta move in, you know, with your parents, you
• 27:51
  Speaker 2: know what I mean. But if you give me like
• 27:52
  Speaker 2: three years, I think we can do something really special. Right,
• 27:56
  Speaker 2: And you know, he went home. I had I remember,
• 27:58
  Speaker 2: I had to drive to his dad's house and you
• 28:00
  Speaker 2: know these are these are African father, his African father,
• 28:03
  Speaker 2: and tell tell his dad why I'm taking his son
• 28:06
  Speaker 2: away from the successful path to move back home. But
• 28:09
  Speaker 2: but he believed in me, right, and he joined the firm,
• 28:11
  Speaker 2: and I paid him what I could. And many people
• 28:14
  Speaker 2: did that, Like I had people that I really respected
• 28:16
  Speaker 2: that left, like their CPA jobs, left their financial plan
• 28:19
  Speaker 2: whatever they were to come take half money half half,
• 28:23
  Speaker 2: you know, to kind of like take sixty percent pay
• 28:26
  Speaker 2: cuts whatever it may take to join this mission that
• 28:28
  Speaker 2: we were on. And uh, and I think some of
• 28:31
  Speaker 2: my greatest some I think sometimes my greatest joy is
• 28:35
  Speaker 2: knowing that we were you know that I that we
• 28:37
  Speaker 2: we did it, you know what I mean?
• 28:38
  Speaker 3: And uh, and all of those sacrifices wasn't for nothing.
• 28:42
  Speaker 5: So now you have, like I said, fifty people that work.
• 28:46
  Speaker 5: So you said you was telling me off air. Yeah,
• 28:49
  Speaker 5: when a client comes, they get put with a team, right,
• 28:52
  Speaker 5: the financial planning team. So I'm gonna talk about this, Yeah,
• 28:55
  Speaker 5: because people can have a team even if they're not
• 28:57
  Speaker 5: with like a firm. They can have different people in
• 28:59
  Speaker 5: their life. So what is a team that a client
• 29:02
  Speaker 5: gets when they come to your firm?
• 29:04
  Speaker 3: Yeah, it was.
• 29:04
  Speaker 2: It was very important for me to build like like
• 29:09
  Speaker 2: it was very important for me to have people around
• 29:10
  Speaker 2: the family that are experts and superstars at what they do.
• 29:15
  Speaker 2: Because as you know, like we all have strengths as
• 29:18
  Speaker 2: financial professionals.
• 29:19
  Speaker 5: Right, so what we say your strength was or is.
• 29:21
  Speaker 2: My strength is like from an investment perspective, investing, that's
• 29:26
  Speaker 2: not really my strength. But then also like I have
• 29:30
  Speaker 2: the power to influence behavior. Like That's what separates me
• 29:34
  Speaker 2: from any other advisors in the world, is like, ah,
• 29:37
  Speaker 2: I can influence behavior, So I can help a client
• 29:41
  Speaker 2: like I can I can get the best out of
• 29:43
  Speaker 2: each client, like they'll get I'll get them to a
• 29:45
  Speaker 2: point they will give me the very best of them. Right,
• 29:48
  Speaker 2: and then when when I can influence that behavior, then
• 29:51
  Speaker 2: we have a real chance at the investments.
• 29:53
  Speaker 6: And the strategies change the mindset.
• 29:56
  Speaker 2: Yeah, exactly, because because you know, I always say, first
• 29:58
  Speaker 2: your form habits and habits from you and finance is
• 30:01
  Speaker 2: behavioral right, it's not.
• 30:03
  Speaker 3: You know, you can you can.
• 30:04
  Speaker 2: Give people the tools, but if but if spiritually mentally, like,
• 30:09
  Speaker 2: if they're not, if they're not at a certain point,
• 30:11
  Speaker 2: the medicine is not gonna work.
• 30:12
  Speaker 5: Right.
• 30:14
  Speaker 2: So I think my greatest strength is I can I
• 30:15
  Speaker 2: can influence behavior. You know, And and I learned earlier
• 30:18
  Speaker 2: that people don't care how much you know until they
• 30:20
  Speaker 2: know how much you care. Right, And so if you
• 30:22
  Speaker 2: if we spend enough time, we spend enough time and
• 30:25
  Speaker 2: usually go okay, humble, really chasma best interest to heart,
• 30:28
  Speaker 2: I can influence.
• 30:29
  Speaker 3: Behavior which leads us to our goals.
• 30:31
  Speaker 5: Right.
• 30:31
  Speaker 2: So, but I like to build a team where you
• 30:33
  Speaker 2: have a CFP, a certified financial planner, and this person's
• 30:36
  Speaker 2: uh really really skilled in all the tenets of finance, right,
• 30:40
  Speaker 2: and they can be the quarterback to oversee the whole empire.
• 30:43
  Speaker 2: Then then I have a c P A two for
• 30:46
  Speaker 2: that particular family. The CPA is really trained in tax planning, auditing,
• 30:50
  Speaker 2: and accounting, so we want to know where every single
• 30:52
  Speaker 2: pini is going and why, right and uh NBA that
• 30:54
  Speaker 2: way A see if the CFP has the best numbers
• 30:56
  Speaker 2: to plan for. Then you're also going to have a
• 30:58
  Speaker 2: lawyer and this always plays like a general concert for
• 31:02
  Speaker 2: the family and you know and interacts with you know,
• 31:04
  Speaker 2: other lawyers you may have on your team, whatever the
• 31:06
  Speaker 2: case may be. But having somebody who's always thinking legally
• 31:08
  Speaker 2: about every decision that you're making, because preventative law is
• 31:11
  Speaker 2: better than post law, right. And then you have a
• 31:14
  Speaker 2: charter financial analyst, you know CFA, and this person is brilliant.
• 31:18
  Speaker 3: At at at portfolio construction, you.
• 31:21
  Speaker 2: Know what I mean, And that's and that's what their
• 31:23
  Speaker 2: passion is. And so when I'm doing a podcast with you, gentlemen,
• 31:26
  Speaker 2: I have I have a team that's actually watching the
• 31:28
  Speaker 2: markets right to make sure that their plans are going great.
• 31:31
  Speaker 2: And then then you also have your manager, right your
• 31:34
  Speaker 2: your day to day person who is just there when
• 31:36
  Speaker 2: life happens, you know what I'm saying. So what they're
• 31:40
  Speaker 2: always on the ground with you to make sure that
• 31:42
  Speaker 2: the make sure that the client can focus on the
• 31:45
  Speaker 2: vital on the vital few while we take care of
• 31:48
  Speaker 2: like the trivial many if that makes sense.
• 31:50
  Speaker 5: So to see the c FA, their job, like you said,
• 31:53
  Speaker 5: is actually putting together like a portfolio.
• 31:56
  Speaker 3: You're just being really brain and constructing it.
• 31:57
  Speaker 5: Yeah.
• 31:58
  Speaker 2: And and the whole team works together, right, The team
• 32:00
  Speaker 2: works together because the c P, as the CPA is
• 32:03
  Speaker 2: given a CFP the best numbers, right, so we know
• 32:05
  Speaker 2: exactly what's going on. The CFP is putting together the
• 32:07
  Speaker 2: CFPCE looking at the whole wealth, the whole wealth holistically, right.
• 32:12
  Speaker 2: Insurance isial financial plan holistically. But then then you have
• 32:16
  Speaker 2: somebody who's surgical, and all they care about is making
• 32:18
  Speaker 2: sure that whatever whatever the plan, whatever the goals for
• 32:20
  Speaker 2: that plan is, our investment in our asset allocation is responding.
• 32:24
  Speaker 3: To that, to that plan.
• 32:27
  Speaker 2: And so you have you have people in each lane
• 32:29
  Speaker 2: where that's what they've mastered and then together there's no
• 32:32
  Speaker 2: holes on a team.
• 32:34
  Speaker 7: So another part of the team with lawyers. Correct, So like,
• 32:36
  Speaker 7: what what type of law are you assigning to each
• 32:39
  Speaker 7: one of these circles? What type of practice?
• 32:42
  Speaker 2: General kind of want to you want to have a
• 32:44
  Speaker 2: lawyer who's very dangerous, like a general concert for the family,
• 32:48
  Speaker 2: and then when specific things come up, maybe you know,
• 32:52
  Speaker 2: litigation and stuff like that, then they can run point,
• 32:54
  Speaker 2: find the right legal team and run point and all that.
• 32:56
  Speaker 2: But if you have a lawyer next to you who
• 32:58
  Speaker 2: just keep the lead, go builds down. But also the
• 33:01
  Speaker 2: things that we can tackle we can tackle right, and
• 33:03
  Speaker 2: then the things that we have to outsource legal, we
• 33:05
  Speaker 2: can outsource legally. But it's very very important for my
• 33:07
  Speaker 2: for me to have lawyers in house that are that
• 33:11
  Speaker 2: are that I that are dealing with the client day
• 33:13
  Speaker 2: to day.
• 33:14
  Speaker 5: You have like the general it's like a doctor general practitioner.
• 33:17
  Speaker 5: And then if they need somebody that's like in the
• 33:19
  Speaker 5: entertainment space specifically, then that lawyer can recommend another lawyer.
• 33:25
  Speaker 2: Specifically specifically for that lady that can collaborate like trust exactly.
• 33:28
  Speaker 2: I'm big on collaborations.
• 33:29
  Speaker 3: I'm big. Yeah, you know what I'm saying.
• 33:32
  Speaker 2: So like you know, so like a lot of our lawyers,
• 33:35
  Speaker 2: they have great backgrounds and in structuring private equity deals
• 33:39
  Speaker 2: and structuring endorsement deals. I have to do equity financial
• 33:42
  Speaker 2: But hey, if you need a if you need a litigator, you.
• 33:45
  Speaker 3: Know what I mean.
• 33:45
  Speaker 2: That's not We'll find the right person, will collaborate, but
• 33:48
  Speaker 2: you always have somebody with you that's running point on
• 33:50
  Speaker 2: those on those discussions and uh and protecting the family.
• 33:54
  Speaker 3: So I try to, I try to, I try to,
• 33:56
  Speaker 3: I try to pull.
• 33:57
  Speaker 2: I try to put together like a real business team
• 34:00
  Speaker 2: around these families and then collaborate with other great minds
• 34:04
  Speaker 2: to get the job done.
• 34:05
  Speaker 6: So you build this this circle around the family.
• 34:07
  Speaker 7: But you said one of the biggest threats to wealth
• 34:10
  Speaker 7: is generosity and making sure that this boundary.
• 34:13
  Speaker 6: Set for the outside people. Yeah, so how does that work? Right?
• 34:17
  Speaker 6: Because you make money and accumulate.
• 34:19
  Speaker 7: You've come from low income, right, and you've now made money.
• 34:24
  Speaker 6: Is that guilt that survivors remorse? Right? I got to
• 34:26
  Speaker 6: help everybody else.
• 34:27
  Speaker 7: So how does the team tell the actual family members
• 34:30
  Speaker 7: and friends who've grown up with you, now here are
• 34:32
  Speaker 7: the boundaries? Or tell that the athlete or entertainer, here
• 34:34
  Speaker 7: are the boundaries that are set for you, and you
• 34:36
  Speaker 7: got to stick to them.
• 34:37
  Speaker 2: Yeah, great question, you know, and you know I understand
• 34:40
  Speaker 2: the survivors go deeply, you know what I mean talking
• 34:42
  Speaker 2: to a man who's lost his entire family, right, my father,
• 34:45
  Speaker 2: my mother, my sisters, my siblings, everybody.
• 34:48
  Speaker 5: Right.
• 34:48
  Speaker 2: So then you make it and you become you know,
• 34:52
  Speaker 2: whatever people define as success. You know, you're a multi millionaire,
• 34:57
  Speaker 2: and you do feel and I feel in my heart
• 35:00
  Speaker 2: hearts is.
• 35:03
  Speaker 3: You got to help because so many people helped you
• 35:05
  Speaker 3: get here.
• 35:05
  Speaker 6: Right.
• 35:06
  Speaker 2: So I understand these clients at a level that that
• 35:11
  Speaker 2: I understand them intricately because I'm going through the same thing.
• 35:14
  Speaker 2: You know, I'm the I'm the person in my family
• 35:15
  Speaker 2: that's done that, right, And I think sometimes what people
• 35:19
  Speaker 2: say is like watch out for your family, watch out
• 35:21
  Speaker 2: for your family, right, And this is it's so disrespectful
• 35:24
  Speaker 2: to the family. It's very disrespectful to the family, right,
• 35:27
  Speaker 2: because you are actual people in your life, man, that
• 35:30
  Speaker 2: sacrifice for you to get there, you know what I'm saying.
• 35:32
  Speaker 2: And I hate when these rookies go to like nfls
• 35:35
  Speaker 2: and posions and based posions and they tell they tell them,
• 35:37
  Speaker 2: but watch out for your mom, you know, watch out
• 35:39
  Speaker 2: for your uncles. But you know these people actually pay
• 35:41
  Speaker 2: for your little league. So so so these people like
• 35:44
  Speaker 2: you know, we come from a community man that's helped.
• 35:45
  Speaker 3: To get what we're supposed to go. So for me,
• 35:47
  Speaker 3: the key is to sit down with the family.
• 35:50
  Speaker 2: And I call it like family governance, right, sit down
• 35:52
  Speaker 2: with the family and and and and and like put
• 35:56
  Speaker 2: together a strategy for the people. It's like, you can't
• 35:58
  Speaker 2: take everybody with you, but who are the vital people?
• 36:01
  Speaker 2: And how we put together plan for all of them?
• 36:03
  Speaker 7: Right?
• 36:04
  Speaker 2: And then they're gonna have to be patient. What you
• 36:06
  Speaker 2: can do year one is gonna be drastically different than
• 36:09
  Speaker 2: what you can do year ten, Right, But you need
• 36:12
  Speaker 2: to think about them too. And as you get old
• 36:14
  Speaker 2: and as you get as you can become more and
• 36:15
  Speaker 2: more seasoned, you're helping them, but you also putting them
• 36:18
  Speaker 2: in position where they can fly on their own, you
• 36:21
  Speaker 2: know what I'm saying. And so for me, I'm big
• 36:23
  Speaker 2: gonna bring in the family, the family with you and
• 36:25
  Speaker 2: the people that that that that that helped you, but
• 36:29
  Speaker 2: coming up with clear ways to make sure that the
• 36:31
  Speaker 2: because if the tree can get strong, they know the
• 36:33
  Speaker 2: branches can flourish, right, So you got to get the
• 36:36
  Speaker 2: family to give the time for the tree to get
• 36:38
  Speaker 2: really really strong, But those branches need to flourish as well.
• 36:41
  Speaker 6: That's important.
• 36:42
  Speaker 7: I mean, I don't think I've ever heard somebody speak
• 36:44
  Speaker 7: on that like in that terms. It was like, if
• 36:46
  Speaker 7: I can make sure that the family straight, they're going
• 36:48
  Speaker 7: to make sure that the person that's generating the wealthy
• 36:50
  Speaker 7: street so key ringing the planet.
• 36:51
  Speaker 6: Like I know, we grew up.
• 36:52
  Speaker 7: In and we talked about the iverson story, right, and
• 36:54
  Speaker 7: it was like, wait, how did he squander all that?
• 36:56
  Speaker 5: Well?
• 36:57
  Speaker 7: He was taking care of a lot of people that
• 36:58
  Speaker 7: were around him, extended family at that, but not having
• 37:01
  Speaker 7: a plan for them.
• 37:02
  Speaker 2: It could close him absolutely. And everybody can't go, you
• 37:05
  Speaker 2: know what I mean, everybody can go. Everybody can't go
• 37:08
  Speaker 2: so and not ever needs to go. But there are
• 37:11
  Speaker 2: people in your life, man that if it wasn't for them,
• 37:14
  Speaker 2: there's no way you be where you are. And there's
• 37:16
  Speaker 2: a humility that comes from honoring that, you know what
• 37:19
  Speaker 2: I'm saying. Before I ever bought a home, before I
• 37:21
  Speaker 2: ever bought a car, before I ever spent any of
• 37:23
  Speaker 2: the money I have ever made.
• 37:24
  Speaker 3: I retired my aunt.
• 37:25
  Speaker 2: You know who's the last surviving sibling on my dad's side,
• 37:28
  Speaker 2: Because when my parents got sick and I lost everything, Man,
• 37:31
  Speaker 2: this woman prayed for me every single day. I mean,
• 37:34
  Speaker 2: she will send me five bucks when I could when
• 37:36
  Speaker 2: I didn't have thirty dollars in my account.
• 37:38
  Speaker 3: You know what I'm saying.
• 37:39
  Speaker 2: Like she she will go clean homes and then like
• 37:42
  Speaker 2: you know, take me to TJ Max to get a
• 37:44
  Speaker 2: shirt so I don't have to wear the same things
• 37:45
  Speaker 2: to school. I remember all of that, right, So you
• 37:50
  Speaker 2: fully can't. You can't be blessed and not be a blessing.
• 37:55
  Speaker 2: But how you do it? You know what I mean
• 37:57
  Speaker 2: is what's the phrase those that are able to build
• 38:00
  Speaker 2: wealth and those who squander? It's how you do it right?
• 38:04
  Speaker 2: And so I told them, I tell them, and I
• 38:06
  Speaker 2: hate to use the world clients, but I tell all
• 38:07
  Speaker 2: these families I'm lucky to represent, you know, just call me,
• 38:13
  Speaker 2: let me, let me, let me put together the plan,
• 38:15
  Speaker 2: let me be the bad guy, let me let me
• 38:16
  Speaker 2: do everything.
• 38:17
  Speaker 3: But the people that are vital, they got to come
• 38:19
  Speaker 3: with you.
• 38:20
  Speaker 2: Because success is a might being on a hill by
• 38:23
  Speaker 2: yourself anyway, so you can there's a way you can
• 38:25
  Speaker 2: get everybody up there with you, but you but it
• 38:28
  Speaker 2: takes time and everybody has to buy into the plan.
• 38:31
  Speaker 5: So let's talk about this financial planning team again. I
• 38:34
  Speaker 5: want to get back to this because I think there's
• 38:35
  Speaker 5: there's lessons for average person where Yeah, it's like people
• 38:38
  Speaker 5: will say, okay, well, obviously if you lines are ball,
• 38:40
  Speaker 5: you can afford to have you know, all the different people.
• 38:42
  Speaker 5: But just the average person, it's like you can have
• 38:44
  Speaker 5: you know, an accountant as somebody that's doing your taxes,
• 38:47
  Speaker 5: somebody that you know if you work with a financial
• 38:50
  Speaker 5: advisor and they can you know, help you with like
• 38:52
  Speaker 5: investing or insurance and stuff like that. And then a
• 38:54
  Speaker 5: lawyer you know to help you know what it will.
• 38:57
  Speaker 5: You don't have to be rich to have that, but
• 38:58
  Speaker 5: it's important to have different people in place. Yeah, So
• 39:01
  Speaker 5: I say that to say, we just asked about a
• 39:04
  Speaker 5: couple of different areas of that. So like from the
• 39:07
  Speaker 5: tax planning standpoint, right, what are some things that like
• 39:12
  Speaker 5: from your clients that like if you get a client
• 39:14
  Speaker 5: and you'll do like an audit that you see, like
• 39:17
  Speaker 5: there's mistakes that were made or like things that are
• 39:19
  Speaker 5: common mistakes, but like athletes are entertainers that they're not
• 39:24
  Speaker 5: taking full advantage of the tax law. Like you know,
• 39:26
  Speaker 5: what is some of your CPA's doing to kind of
• 39:28
  Speaker 5: help your clients out with that?
• 39:29
  Speaker 2: You know, the the athletes and the tenners are extremely
• 39:33
  Speaker 2: extremely complicated. That's why I have like tax a tax department,
• 39:37
  Speaker 2: tax experts because these guys are paying taxes and never
• 39:39
  Speaker 2: placed in every city that they're in states that they're playing.
• 39:42
  Speaker 3: You know the city tax, you got state, you got
• 39:45
  Speaker 3: city tax tax at jock tax.
• 39:47
  Speaker 2: These things are complicated. You said tax, You see an
• 39:50
  Speaker 2: athlete's tax return earners?
• 39:52
  Speaker 6: What's up?
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  Speaker 2: So it's important to have once again experts in that
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  Speaker 2: then obviously entertainers, I mean in attenda they don't get
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  Speaker 2: taxes taken out. Right, So if you do a show,
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  Speaker 2: if you do a movie and you know you make
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  Speaker 2: Don't don't wait until the end of the year and say, oh,
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  Speaker 2: coming forward, they coming for fifty percent of your income
• 43:47
  Speaker 2: the stick and you earn it. So you got to
• 43:49
  Speaker 2: be very very detailing you and you and your bookkeeping,
• 43:51
  Speaker 2: your corporate structures, you know, and there's so many there's
• 43:54
  Speaker 2: so many things that you can use as a business
• 43:57
  Speaker 2: expense if you're able to have an set up right
• 44:01
  Speaker 2: that you can't really do if you just if you
• 44:03
  Speaker 2: just a W a W two or just an individual.
• 44:07
  Speaker 2: But it's you got to make sure that you're accounting
• 44:09
  Speaker 2: on your tax team you know, is up on those things.
• 44:11
  Speaker 2: Especially when you start to go into foreign entities as well.
• 44:13
  Speaker 2: It's now you're making money in Peru, you're making money
• 44:16
  Speaker 2: in Canada, you're making money outside of the United States.
• 44:18
  Speaker 3: I mean, the tax structure gets very very, very very.
• 44:20
  Speaker 5: Complissive, especially for artists because like, correct me if I'm wrong.
• 44:23
  Speaker 5: I know, for athletes it might be a little harder
• 44:25
  Speaker 5: because it's like you're getting paid W two, so you're
• 44:27
  Speaker 5: an employee, So it's kind of hard for like to
• 44:30
  Speaker 5: get paid other than that because you're an employee. But
• 44:32
  Speaker 5: for artists or people in the entertainment space, like if
• 44:36
  Speaker 5: you're doing a show, it doesn't necessarily the money doesn't
• 44:38
  Speaker 5: necessarily have to go to you directly. It can go
• 44:40
  Speaker 5: to a c colt. But whatever you're developed. Now it's like,
• 44:43
  Speaker 5: all right, well, all these people that have with me,
• 44:45
  Speaker 5: now I'm actually operating as a business exactly as opposed
• 44:47
  Speaker 5: it's just getting exact exactly Now you can actually take
• 44:50
  Speaker 5: deductions and do it the right way as opposed to
• 44:52
  Speaker 5: just getting a bunch of money in your personal name. Yeah,
• 44:56
  Speaker 5: you know what I mean. It's more flexibility, and I
• 44:57
  Speaker 5: think people don't fully understand that, especially like on the
• 44:59
  Speaker 5: entertainment Yeah.
• 45:00
  Speaker 3: You're absolutely right, you're able to do that.
• 45:02
  Speaker 2: On the athlete side, you can as well, because as
• 45:05
  Speaker 2: you mentioned that, the team is just gonna pay you
• 45:07
  Speaker 2: W two So you don't have a lot of flexibility there.
• 45:09
  Speaker 2: But all of your endorsement income, you know, set up
• 45:12
  Speaker 2: an entity and have all your endorsement income come into
• 45:15
  Speaker 2: that entity and then kind of put the same structure
• 45:17
  Speaker 2: in place on your marketing side, right to.
• 45:20
  Speaker 3: Help you to help you with you know, to help
• 45:22
  Speaker 3: you with that. So there's there's different things, different things
• 45:24
  Speaker 3: you can do.
• 45:26
  Speaker 2: But you know, the key though is is really having
• 45:29
  Speaker 2: a team that you can trust, that can you know
• 45:34
  Speaker 2: that that can really that really knows what they're doing,
• 45:36
  Speaker 2: but really has your best interest to heart.
• 45:39
  Speaker 5: Let me ask you this because we see, especially on
• 45:40
  Speaker 5: the entertainment side, we see Aretha Franklin, we see France,
• 45:44
  Speaker 5: we see Michael Jackson, a bunch of we can go
• 45:48
  Speaker 5: a long list of people that when they died, they
• 45:50
  Speaker 5: don't have a will in place, they don't have a
• 45:52
  Speaker 5: trust in place. So talk about like how important is
• 45:55
  Speaker 5: it to do to the estate planning and like having
• 45:58
  Speaker 5: a will. Educating your clients on why a will is important,
• 46:01
  Speaker 5: why a trust is important to different types of trust,
• 46:03
  Speaker 5: things of that nature. Like you know, when I was
• 46:05
  Speaker 5: in the insurance business, airvocable life insurance trust, you can
• 46:08
  Speaker 5: put the life insurance inside of a trust. Like talk
• 46:10
  Speaker 5: about talk about that a little bit.
• 46:11
  Speaker 2: If you know, it's everybody. Everybody knows how important it
• 46:16
  Speaker 2: is to have a you know, to have a will.
• 46:18
  Speaker 2: And no it's what happens though, because everything is like
• 46:23
  Speaker 2: generational trauma and behavioral it's just hard for our community
• 46:27
  Speaker 2: to think about death. You know what I'm saying, Like
• 46:30
  Speaker 2: it's the fight of my life to get clients to
• 46:33
  Speaker 2: sit down and talk about death.
• 46:35
  Speaker 3: But it comes from a place of so much pain
• 46:38
  Speaker 3: for generation, generations, generations, you see what I mean?
• 46:40
  Speaker 6: And so.
• 46:42
  Speaker 2: And I can honestly say, like when you you know,
• 46:46
  Speaker 2: in our I think in our community, let's take the
• 46:49
  Speaker 2: athletes and entertainers of the rich people out of it.
• 46:51
  Speaker 2: I think the every day to day person needs to
• 46:54
  Speaker 2: have at least a revocable trust and a will period,
• 46:59
  Speaker 2: you know what I mean, the same way you have
• 47:00
  Speaker 2: car insurance, the same way you have you know, you
• 47:01
  Speaker 2: got to have these things. But I'll probably say probably
• 47:05
  Speaker 2: seventy percent. I mean, if you think about your friends
• 47:07
  Speaker 2: that you love, a family members, how many of them
• 47:08
  Speaker 2: really have a vocable trust or will? I'll probably say accent.
• 47:12
  Speaker 3: Room, don't write.
• 47:18
  Speaker 2: And these are like vital, vital, vital vital things because
• 47:23
  Speaker 2: you know, anybody thinks about death.
• 47:24
  Speaker 3: But let's forget death, right, let's just forget.
• 47:26
  Speaker 2: Let's just say you got in a car accident and
• 47:29
  Speaker 2: you are alive but incapacitated to where you can't make
• 47:32
  Speaker 2: certain decisions like who's going to help you, like with
• 47:36
  Speaker 2: your life while you're still living?
• 47:38
  Speaker 3: Maybe, but you can't do it. You know, say you
• 47:40
  Speaker 3: get a comma.
• 47:40
  Speaker 2: You're in a coma for three months, you know what
• 47:42
  Speaker 2: I'm saying, Like, you got to have these power attorneys
• 47:44
  Speaker 2: in place, you got to have your medical power attorneys
• 47:46
  Speaker 2: in place, and you got to have these conversations with
• 47:51
  Speaker 2: your family members, right, so you know who's in position
• 47:54
  Speaker 2: to help you when these things happen.
• 47:55
  Speaker 7: What's that conversation like? Because you say the average age
• 47:57
  Speaker 7: of your clients is like twenty in the twenties. Yeah, yeah,
• 48:01
  Speaker 7: in the twenties, right, so you're dealing with people who
• 48:04
  Speaker 7: have dealt with emotional trauma but also financial trauma. So
• 48:07
  Speaker 7: what's that like explaining this to them at such a
• 48:10
  Speaker 7: young age? Like let's take example, Anthony, that which was
• 48:13
  Speaker 7: the number one pick? Right, Like you're telling the nineteen
• 48:15
  Speaker 7: year old kid at this point of his life you
• 48:17
  Speaker 7: should be thinking about these like you become not only
• 48:20
  Speaker 7: like a wealth manager, but.
• 48:21
  Speaker 6: You're like the teacher now.
• 48:23
  Speaker 7: Yeah for sure, So what's that What are these conversations
• 48:25
  Speaker 7: like when you have them at such a young age
• 48:26
  Speaker 7: with your clients, Well, your family, I don't want clients someone, yeah,
• 48:29
  Speaker 7: your family.
• 48:29
  Speaker 3: Yeah, I'm not a great great question.
• 48:32
  Speaker 2: You know, it's like I say, it's a lot of
• 48:34
  Speaker 2: teaching and uh and understanding why you know, what I mean, why,
• 48:39
  Speaker 2: why it's important, Why it's important. But there's certain things
• 48:43
  Speaker 2: where they're just not negotiables with me, right because as
• 48:47
  Speaker 2: as a black financial wealth manager, you know, I can't
• 48:52
  Speaker 2: that room for error. I don't have room for error
• 48:54
  Speaker 2: like like like the other counterparts. Right, So you got
• 48:57
  Speaker 2: to get these things in line, and we have to
• 48:59
  Speaker 2: get them done, not only because it protects you, but
• 49:01
  Speaker 2: if you don't have anything happens to you, they're going
• 49:03
  Speaker 2: to bury humble u ganga, you see what I mean.
• 49:06
  Speaker 2: But those conversations are tough because they've never thought about
• 49:09
  Speaker 2: it before, and nobody in the family's ever thought about
• 49:13
  Speaker 2: it before. So this is a whole new world when
• 49:15
  Speaker 2: you come. I mean, you're nineteen years old and you
• 49:18
  Speaker 2: worth you know, millions and millions of dollars, Like that's
• 49:20
  Speaker 2: not an everyday thing, you know. So that's why I
• 49:22
  Speaker 2: always go back to like love and trust, you know,
• 49:25
  Speaker 2: And that's why I got into this business. It's like,
• 49:26
  Speaker 2: now this is a people business man, and nobody nobody
• 49:29
  Speaker 2: cares how much you know, onto didn't know how much
• 49:31
  Speaker 2: you care. And once these young men or these young
• 49:33
  Speaker 2: women understand, like like my heart and what I'm here
• 49:36
  Speaker 2: to serve I'm able to have these conversations and sometimes,
• 49:39
  Speaker 2: you know, I'm thirty five years old. Sometimes I'm more
• 49:41
  Speaker 2: like a father figure, you know, or like an uncle,
• 49:45
  Speaker 2: and most times I might be the only black man
• 49:48
  Speaker 2: that they've ever met in their lives that's like successful, right,
• 49:53
  Speaker 2: or like that, or that they can kind of listen to. Right,
• 49:55
  Speaker 2: So you have to play a you got to play
• 49:57
  Speaker 2: a bunch of different roles man, you know, wealth manager, father, uncle, disciplinarian.
• 50:04
  Speaker 3: But the most important is teaching, you know.
• 50:07
  Speaker 5: So let me ask you this as far as like
• 50:09
  Speaker 5: a broad range philosophical question in regards to investing. God know,
• 50:12
  Speaker 5: that's one of your strong points. How important is it
• 50:14
  Speaker 5: to diversify? Because I know a lot of people maybe
• 50:17
  Speaker 5: not but a lot of people. I don't know if
• 50:19
  Speaker 5: your clients specifically, they might just want to put all
• 50:22
  Speaker 5: their money in like just bigcoin on all their money
• 50:24
  Speaker 5: and just buy a board eight like you know what
• 50:26
  Speaker 5: I mean. And it's like, what do you tell them?
• 50:29
  Speaker 5: And what's your philosophy on diversification when it comes to investing?
• 50:32
  Speaker 6: Right? You know?
• 50:36
  Speaker 3: So let me take a step back.
• 50:37
  Speaker 2: I want to be as authentic as humanly possible from
• 50:40
  Speaker 2: my from from my perspective. So the clients that I manage, right,
• 50:46
  Speaker 2: who who are Our goal is to build this wealth
• 50:50
  Speaker 2: for generations to come. Right, they're making they've made, they're
• 50:53
  Speaker 2: making their wealth and their art, you know, movies, whatever
• 50:56
  Speaker 2: it is, writing, directing athletes. Maybe they sold the business,
• 51:00
  Speaker 2: so they've accumulated wealth. So now my job when I
• 51:02
  Speaker 2: get in there is to make sure that we take
• 51:04
  Speaker 2: this wealth, we protect it, we grow it, and then
• 51:07
  Speaker 2: we transfer it. So when I'm dealing with my particular clients,
• 51:12
  Speaker 2: diversification is key, right because you never ever ever want
• 51:15
  Speaker 2: to pull your eggs in one basket to say, so,
• 51:17
  Speaker 2: you know, there's different asset classes and you've got to
• 51:20
  Speaker 2: be very careful that you are very diversified that way,
• 51:24
  Speaker 2: if one asset class goes down, you still a portfolio
• 51:27
  Speaker 2: that's strong. Right now, if I'm talking to a younger
• 51:33
  Speaker 2: me right who has a dream of building a company,
• 51:37
  Speaker 2: has a dream of being an entrepreneur, has a dream
• 51:39
  Speaker 2: of escaping poverty, has a dream of changing the trajection
• 51:43
  Speaker 2: of his family's life, you don't have the luxury diversification
• 51:49
  Speaker 2: if you're trying to be an entrepreneur, like you got
• 51:50
  Speaker 2: to put you got to go all in. You got
• 51:53
  Speaker 2: to go all in, like there's no day like if
• 51:57
  Speaker 2: you really want to go, if you really want to
• 51:59
  Speaker 2: change the trajectory of your life, like you have to pick.
• 52:02
  Speaker 2: You have to be an inch while and a mile
• 52:04
  Speaker 2: deeper where you're going to invest everything, you know what
• 52:07
  Speaker 2: I mean. And so when I was building Lifeline, one
• 52:09
  Speaker 2: hundred thousand percent of everything that I had was in Lifeline.
• 52:12
  Speaker 3: I was not diversified at all. This thing has to
• 52:14
  Speaker 3: make it or I'm done. That's the work has too
• 52:19
  Speaker 3: right right right, and.
• 52:20
  Speaker 2: Then so and then and so, and you got to believe,
• 52:24
  Speaker 2: you know, And as an entrepreneur man, you may you
• 52:26
  Speaker 2: may look at even like the clients who's wealth that
• 52:29
  Speaker 2: I manage that are Silicon Valley founders or the building companies,
• 52:32
  Speaker 2: When I look at their wealth, I mean, ninety percent
• 52:34
  Speaker 2: of their wealth isn't there is in the stock of
• 52:36
  Speaker 2: their company. You see what I'm saying, Because at the
• 52:39
  Speaker 2: end of the day, I got control over that, like
• 52:42
  Speaker 2: I got control of what I can grow this company.
• 52:44
  Speaker 6: You know what I mean.
• 52:45
  Speaker 2: I mean, I mean I have much. So it depends
• 52:47
  Speaker 2: what your goals are and where you are in your life.
• 52:50
  Speaker 2: You know what I'm saying, but when you're speaking from
• 52:55
  Speaker 2: an entrepreneur who's trying to build from zero to one hundred,
• 52:58
  Speaker 2: you have to be late. You know, you're focus may
• 53:00
  Speaker 2: have may have, may has to be singular, may have
• 53:03
  Speaker 2: to be singular.
• 53:04
  Speaker 3: Does that make sense?
• 53:05
  Speaker 6: I got you so, yeah, right, Humbu Lukanga.
• 53:09
  Speaker 7: Yeah, your names alone separate you in the financial service industry, right, yeah.
• 53:14
  Speaker 7: I wanted you to talk about some of the barriers
• 53:16
  Speaker 7: that you face and why you're so intentional on who
• 53:19
  Speaker 7: you work with. Now right, you're choosing your clients very
• 53:22
  Speaker 7: specifically for a reason. Let's talk about that.
• 53:26
  Speaker 3: I'm sure s you can test it this.
• 53:28
  Speaker 7: When I read the story, I'm like, I felt that
• 53:30
  Speaker 7: so many similarities knowing his story in yours.
• 53:32
  Speaker 2: So yeah, you know, I remember being young man and
• 53:35
  Speaker 2: I read this stat that said you have you know,
• 53:38
  Speaker 2: you have a better chance playing in the NBA than
• 53:41
  Speaker 2: being a black executive and finance. Right, I think this,
• 53:43
  Speaker 2: you know, it was like like one point five at
• 53:46
  Speaker 2: one point seven or something like, just like and I
• 53:49
  Speaker 2: always it always I was like, why do people publish
• 53:51
  Speaker 2: these tats? Like why do people publish it? Is it
• 53:54
  Speaker 2: to is it to like derail somebody's dream. Is it
• 53:57
  Speaker 2: to show us like this impossible? Is it to show
• 54:00
  Speaker 2: us that we now welcome? You know, I've been in
• 54:02
  Speaker 2: a fight of my life in finance, the fight of
• 54:06
  Speaker 2: my life because every I I'm a CFP Certified Financial Planner.
• 54:13
  Speaker 2: I built this firm with with with with with the
• 54:16
  Speaker 2: most amazing human beings you're ever going to meet in
• 54:18
  Speaker 2: your life. Intelligent, like like just incredible team. We work
• 54:22
  Speaker 2: with the biggest names in the world. You know, I
• 54:26
  Speaker 2: still on a board of trustees at University of Mexico
• 54:28
  Speaker 2: as as as the finance chair. I've done everything you
• 54:32
  Speaker 2: could possibly do to make to to be a qualified
• 54:35
  Speaker 2: candidate to help madie somebody's wealth. And they still question
• 54:40
  Speaker 2: you intelligence just because of the color of your skin,
• 54:44
  Speaker 2: you know what I mean? Like I was, I was
• 54:45
  Speaker 2: having a conversation with a deff friend of mine, his
• 54:47
  Speaker 2: h his Indian and UH and I was writing a
• 54:48
  Speaker 2: letter of recommendation for for his child to go to
• 54:51
  Speaker 2: to go to college. And we were just having We're
• 54:53
  Speaker 2: just sitting back at dinner. He says, you know, hey,
• 54:55
  Speaker 2: look what we've done for ourselves. You know two you know,
• 54:57
  Speaker 2: two brown immigrants who came to this America. I mean,
• 55:00
  Speaker 2: who came to America. Look what we've done. And I said,
• 55:02
  Speaker 2: you know what, man, you know, yeah, you know, I
• 55:05
  Speaker 2: understand what you're saying. But my journey is different than yours,
• 55:09
  Speaker 2: Like you know what I mean, Like our journey is
• 55:11
  Speaker 2: completely different. And he says, I said, what do you mean?
• 55:14
  Speaker 2: I said, you know, we both immigrants, were both I said, listen,
• 55:17
  Speaker 2: I'm black in America.
• 55:18
  Speaker 1: Man.
• 55:18
  Speaker 2: Like when I go into a conference room, when I
• 55:21
  Speaker 2: go into a meeting, when I go into anything, the
• 55:24
  Speaker 2: first thing they do is question your intelligence.
• 55:27
  Speaker 3: You know what I mean.
• 55:27
  Speaker 2: They don't question your intelligence. They may make fun of
• 55:29
  Speaker 2: your accent, but they don't question your intelligence. They expect
• 55:32
  Speaker 2: you to be brilliant. They expect for you to be smart.
• 55:34
  Speaker 2: So when you're in finance, and like you said, I
• 55:36
  Speaker 2: didn't start at a wirehouse, right, I didn't go to
• 55:38
  Speaker 2: like JP Morgan or gold miss Ax, so ubs like
• 55:40
  Speaker 2: I literally built this thing from the ground up independently, right,
• 55:45
  Speaker 2: they question you every step of the way. And I
• 55:47
  Speaker 2: used to have this joke, you know, with Tony. It's
• 55:49
  Speaker 2: just a metaphor. I'm not saying it's true, but it's
• 55:51
  Speaker 2: a metaphor. I will say, I said, man, I can't
• 55:53
  Speaker 2: sign Peyton Manning because I'm black, and I can't sign
• 55:55
  Speaker 2: camp Newton because I'm black. Right, It's because they always
• 55:59
  Speaker 2: they they over they they marginalize you every step of
• 56:02
  Speaker 2: the way, right And and it's you know, and the
• 56:07
  Speaker 2: people that you're here to serve. And I want to
• 56:10
  Speaker 2: be respectful, but like you know, slavery one, you know
• 56:13
  Speaker 2: what I mean, Like you got to understand the prison
• 56:15
  Speaker 2: we view the world. I'm from East Africa, Uganda, right,
• 56:21
  Speaker 2: so but I'm but I'm in America. So I live
• 56:26
  Speaker 2: two lives, right, I live, I live my I live
• 56:29
  Speaker 2: as as a Ugandan, as a Ugandan, as a Ugandan
• 56:32
  Speaker 2: in my heart. That is coming from Uganda, born and raised,
• 56:34
  Speaker 2: and then as a black American in America. And and
• 56:40
  Speaker 2: and when you come to this country, right, it's a
• 56:43
  Speaker 2: shock because even back home and we have like poverty,
• 56:47
  Speaker 2: we have all these different things, but we have each other.
• 56:49
  Speaker 2: And so we have we have our language, we have
• 56:53
  Speaker 2: our song, we have our tradition, we have our heritage.
• 56:55
  Speaker 2: So you you you never think about the color of
• 56:57
  Speaker 2: your skin, like it's just never crossed my mind.
• 57:00
  Speaker 4: Right.
• 57:01
  Speaker 2: Then you come to America and quickly remind you, you
• 57:03
  Speaker 2: know what I mean, and it does not matter what
• 57:05
  Speaker 2: you accomplish, like they just marginalize.
• 57:09
  Speaker 3: You every step of the way. So it's it's to
• 57:14
  Speaker 3: this day.
• 57:14
  Speaker 2: You know, I tell you, I tell you a story
• 57:15
  Speaker 2: that just happened literally this past week. I have a client,
• 57:21
  Speaker 2: this gout, you know, a great client coming out of
• 57:24
  Speaker 2: a particular university in this upcoming twenty twenty two draft
• 57:28
  Speaker 2: that has a chance to be a top ten pick,
• 57:29
  Speaker 2: special special young man. So a black a black, a
• 57:35
  Speaker 2: black young man. His family highly educated right lawyers, engineers,
• 57:42
  Speaker 2: like they did a thorough interview process for agencies and
• 57:48
  Speaker 2: financial advisors and they chose me. Right on his team
• 57:52
  Speaker 2: is another kid who's extremely talented, white kid who's also
• 57:57
  Speaker 2: going to be a top ten pick.
• 57:58
  Speaker 4: You know.
• 58:00
  Speaker 2: So as as uh as the young man is leaving college,
• 58:04
  Speaker 2: he goes and sits down with this particular coach, white
• 58:06
  Speaker 2: coach and for his exit meeting. So the coach asks him,
• 58:11
  Speaker 2: who you signing with as far as your agent a
• 58:13
  Speaker 2: financial advisor?
• 58:14
  Speaker 3: He says, he says this, He says, you know.
• 58:16
  Speaker 2: Humble Lou Conga. So then the coach tells him, uh,
• 58:21
  Speaker 2: humble Lou Conga. You know, doesn't google me, doesn't do
• 58:25
  Speaker 2: his research, doesn't doesn't doesn't even doesn't even just says, okay, Congo,
• 58:30
  Speaker 2: where's that from? He's all he's East African black. He goes,
• 58:34
  Speaker 2: can you have him sent over his engagement letters and
• 58:36
  Speaker 2: his and his social Security numbers so we can do so,
• 58:38
  Speaker 2: we can do so, we can do a background check
• 58:40
  Speaker 2: on him.
• 58:42
  Speaker 3: I was livid.
• 58:43
  Speaker 2: I said, listen, did they ask that the white kid
• 58:47
  Speaker 2: if his financial advisor can turn into the engagement letters
• 58:50
  Speaker 2: and they're there and their.
• 58:51
  Speaker 3: Social Security number?
• 58:52
  Speaker 2: I said, you know what I said, If that's the
• 58:54
  Speaker 2: process for this university, I'm all in. But if that's
• 58:57
  Speaker 2: a humble lu conga special, tell him, I said, you
• 59:00
  Speaker 2: something much said, fuck him, get them on the phone.
• 59:02
  Speaker 3: You know what I mean. But it's just like stuff
• 59:04
  Speaker 3: like that happens all the time, no matter where you
• 59:06
  Speaker 3: are in your career.
• 59:07
  Speaker 6: The hower you go, the more you see. But it's
• 59:10
  Speaker 6: tough to you can get to your level to see that.
• 59:11
  Speaker 2: Yeah, you know what I mean. So it doesn't it
• 59:13
  Speaker 2: doesn't change. And that's why I tell anybody it's just
• 59:16
  Speaker 2: like just keep going, man, because it doesn't. There'll never
• 59:21
  Speaker 2: be a time. And you know, There'll never be a
• 59:23
  Speaker 2: time in this country where where we don't get marginalized
• 59:26
  Speaker 2: like that, especially in finance, you know what I mean.
• 59:28
  Speaker 2: And so the question your intelligence service step of the way,
• 59:30
  Speaker 2: but you just have to keep you just have to
• 59:32
  Speaker 2: keep being dynamic.
• 59:34
  Speaker 5: So how do you get clients? Like what's your what's
• 59:36
  Speaker 5: your process for referrals? Like is it through center of influences?
• 59:40
  Speaker 5: Is do you actually recruit people?
• 59:42
  Speaker 2: Like what's the you know, great question, Like there's some
• 59:45
  Speaker 2: moments in time where I see somebody and I know
• 59:48
  Speaker 2: it was born and represent them, and so I'm going
• 59:50
  Speaker 2: to go get them by any means necessary. Right, I'm
• 59:52
  Speaker 2: going to go get to them. Right, I'm going to
• 59:53
  Speaker 2: find a way to go to go meet their families.
• 59:56
  Speaker 2: But ninety nine percent of the time is all friends
• 59:58
  Speaker 2: of friends and referral. You know, we have like a
• 1:00:02
  Speaker 2: six month waiting list, you know. So I take my time,
• 1:00:04
  Speaker 2: you know, I like I told you, I have this
• 1:00:08
  Speaker 2: have this vision for Lifeline that's one hundred year vision
• 1:00:11
  Speaker 2: that allows me the luxury not to rush, you know.
• 1:00:13
  Speaker 2: So I'm like building this company like I'm winning this
• 1:00:17
  Speaker 2: race at a turtle's pace, you know what I mean.
• 1:00:19
  Speaker 2: And so great clients bring great clients, says, you know,
• 1:00:23
  Speaker 2: you know, great people hang around great people, so great
• 1:00:25
  Speaker 2: and uh and and I can I can spend five
• 1:00:28
  Speaker 2: minutes with somebody you know. Okay, that's a life line.
• 1:00:30
  Speaker 2: That's a lifelying guy. Oh, that's a lifeline. Gal, like
• 1:00:32
  Speaker 2: they like they you know, we're going to be good.
• 1:00:35
  Speaker 2: And then they'll bring friends. But it's all refer us.
• 1:00:37
  Speaker 2: And and that's how I like it because I don't
• 1:00:39
  Speaker 2: have to do the the shiving and dancing, if that
• 1:00:43
  Speaker 2: makes sense. I'm not doing none of that, you know
• 1:00:46
  Speaker 2: what I mean. So if somebody that you love and
• 1:00:48
  Speaker 2: trust tells you about me, and then and then somebody
• 1:00:51
  Speaker 2: I love and trust, uh, it's like it's it's an
• 1:00:53
  Speaker 2: easier conversation because they've already been in the they already
• 1:00:55
  Speaker 2: know how the kitchen, they've already been in the in
• 1:00:58
  Speaker 2: the system.
• 1:00:58
  Speaker 3: So that's how I like it.
• 1:00:59
  Speaker 5: I like referrals for just general general anybody. What's the
• 1:01:05
  Speaker 5: most important part of a financial plan you're a financial planner, Yeah,
• 1:01:09
  Speaker 5: what's the building blocks to wealth? Like, what's the most
• 1:01:11
  Speaker 5: important thing.
• 1:01:12
  Speaker 6: That you have to do?
• 1:01:13
  Speaker 3: Yeah, that's such a great question.
• 1:01:14
  Speaker 1: Man.
• 1:01:14
  Speaker 3: The most important thing that you have to do is
• 1:01:17
  Speaker 3: believe that you deserve it.
• 1:01:20
  Speaker 2: You know, like people, there's a there's an optimism you
• 1:01:23
  Speaker 2: have to have to plan for tomorrow, you know what
• 1:01:27
  Speaker 2: I mean, Like you innately believe that Okay, if I
• 1:01:30
  Speaker 2: if I, if I do this and I save and
• 1:01:32
  Speaker 2: I put away retirement, you there's a there's a there's
• 1:01:35
  Speaker 2: a there's an optimism in your heart that believe that
• 1:01:37
  Speaker 2: your tomorrow's can be better than your today's.
• 1:01:39
  Speaker 3: It can be better than and you today's can better
• 1:01:41
  Speaker 3: than your yesterday's. Right, And so.
• 1:01:44
  Speaker 2: We have to get to the we have to get
• 1:01:46
  Speaker 2: to the core of somebody's soul to help them understand
• 1:01:49
  Speaker 2: that they're worthy of a financial planner, they're worthy of
• 1:01:52
  Speaker 2: a better tomorrow, right like they're they're so I mean,
• 1:01:55
  Speaker 2: if you go to you guys's platform, I mean, you
• 1:01:57
  Speaker 2: guys have done an amazing job just to all the tools,
• 1:02:01
  Speaker 2: all of the wisdom, all of the lesson plans for
• 1:02:04
  Speaker 2: anybody to transform from where they are to to where
• 1:02:06
  Speaker 2: they need to be. The information that you guys are
• 1:02:08
  Speaker 2: put together is unbelievable. It's impeccable.
• 1:02:11
  Speaker 5: Right.
• 1:02:12
  Speaker 2: So it's like, but how do you get somebody to
• 1:02:14
  Speaker 2: feel like they're worthy of that journey. And that's what
• 1:02:18
  Speaker 2: PE don't understand and finance man, like, it's not about stocks, bonds, investments, tax,
• 1:02:22
  Speaker 2: it's not about that. It's it's it's it's it's all behavioral,
• 1:02:26
  Speaker 2: it's all psychology. It's all like if you grew up
• 1:02:29
  Speaker 2: in an if you grew up in an environment where
• 1:02:32
  Speaker 2: nobody's ever believed in you, right, nobody, You've you've been
• 1:02:35
  Speaker 2: put down. You know, America has had a knee on
• 1:02:38
  Speaker 2: your neck for your whole your whole life. When do
• 1:02:40
  Speaker 2: you start to breathe and start to think about, Okay,
• 1:02:42
  Speaker 2: let me plan for tomorrow. Right, You're like, fucked, I'm
• 1:02:45
  Speaker 2: living for today. You see what I'm saying. So the
• 1:02:47
  Speaker 2: most important thing, in my honest opinion, man, is like
• 1:02:52
  Speaker 2: sitting down with somebody and dealing with the trauma, dealing
• 1:02:55
  Speaker 2: with that generational pain and getting them to a place
• 1:02:58
  Speaker 2: where they're healthy to receive ever transformation advice that you have. Right,
• 1:03:03
  Speaker 2: And that's the book I'm working on. It's I'm working
• 1:03:05
  Speaker 2: on a book called The Humble Way, Ten Steps to
• 1:03:08
  Speaker 2: Financial Freedom, and it's it's all behavioral, you know, just
• 1:03:13
  Speaker 2: trying to get somebody's mind to shift because once once
• 1:03:17
  Speaker 2: that shift happens, and you as a teacher, you see
• 1:03:19
  Speaker 2: the kid once that shift happens, Oh, it's.
• 1:03:23
  Speaker 3: It's over. But then it starts, It starts in, It
• 1:03:25
  Speaker 3: starts in here, you know what I'm saying. And uh,
• 1:03:27
  Speaker 3: And what I've seen.
• 1:03:30
  Speaker 2: Is that when it comes to financial literacy in our community, uh,
• 1:03:37
  Speaker 2: we've been you know, it's like it's it's uh, there's
• 1:03:42
  Speaker 2: a there's a trauma there to where like you've been
• 1:03:44
  Speaker 2: living check to check for so long that you can't
• 1:03:46
  Speaker 2: even you haven't even thought about, you know, planning for
• 1:03:49
  Speaker 2: for tomorrow when you're trying to get through today, you
• 1:03:50
  Speaker 2: know what I mean. So that the most important thing
• 1:03:53
  Speaker 2: I think is to is to is to put that
• 1:03:55
  Speaker 2: joy and that spear back in somebody where they go,
• 1:03:57
  Speaker 2: you know what my life has worth and my life,
• 1:04:01
  Speaker 2: the days of my life you know, can be better
• 1:04:03
  Speaker 2: and and they deserve to be better, you know what
• 1:04:05
  Speaker 2: I mean. And and once you get there, then you
• 1:04:10
  Speaker 2: have an opportunity to be able to put together financial
• 1:04:11
  Speaker 2: plan somebody can stick to you know what I mean. Uh,
• 1:04:15
  Speaker 2: But the most important thing is when you're to financial
• 1:04:18
  Speaker 2: plan is is you really have to understand you're spending
• 1:04:22
  Speaker 2: and why you make the certain decisions that you make.
• 1:04:25
  Speaker 3: You know what I mean.
• 1:04:26
  Speaker 2: I believe that spending is directly linked to your value system,
• 1:04:32
  Speaker 2: you know what I mean, Like like whatever you value,
• 1:04:36
  Speaker 2: wherever you are, whatever, whatever values or principles you're, you're you,
• 1:04:40
  Speaker 2: you embody, you can be found in that money trail,
• 1:04:44
  Speaker 2: you know what I mean. And so you can't invest,
• 1:04:48
  Speaker 2: you can't save, you can't do anything. If somebody, you
• 1:04:53
  Speaker 2: know what I mean, if somebody has a crazy spending
• 1:04:56
  Speaker 2: you know, if if if this, if if they value
• 1:05:00
  Speaker 2: haven't been set in a way where they where they're.
• 1:05:02
  Speaker 3: Spending is under control, discipline, discipline.
• 1:05:05
  Speaker 7: So you started in around nine twenty ten, right, and
• 1:05:10
  Speaker 7: so you get to the point now where you're having
• 1:05:12
  Speaker 7: guys and ladies who going into a career and are now.
• 1:05:15
  Speaker 6: Probably retired to their career.
• 1:05:16
  Speaker 3: Yeah for sure.
• 1:05:17
  Speaker 6: Yeah.
• 1:05:17
  Speaker 7: So number one, as they transition into that new part
• 1:05:22
  Speaker 7: of their life, is that same family that you built
• 1:05:25
  Speaker 7: around them now guiding them maybe into a new career
• 1:05:27
  Speaker 7: or entrepreneurial world. And on the other end of the spectrum,
• 1:05:32
  Speaker 7: the people who are just starting, are we getting their
• 1:05:34
  Speaker 7: minds thinking right, because at the end of the day,
• 1:05:36
  Speaker 7: they are high paid employees. Are we getting them ideas
• 1:05:39
  Speaker 7: to say, all right, here's some entrepreneurial things based on
• 1:05:41
  Speaker 7: your personality.
• 1:05:42
  Speaker 6: We're doing that.
• 1:05:43
  Speaker 2: Yeah, that's a great question. Yeah, So for me, you know,
• 1:05:46
  Speaker 2: you have to start with the end in mind. And
• 1:05:50
  Speaker 2: you know, athletes, especially athletes, they die twice. The entertainers
• 1:05:55
  Speaker 2: can stay creative their whole lives. So even if they
• 1:05:58
  Speaker 2: don't want to act anymore, or are they still you know,
• 1:06:00
  Speaker 2: there's so many things that they because they have a
• 1:06:03
  Speaker 2: skill set that doesn't doesn't expire. But our athletes, man,
• 1:06:07
  Speaker 2: even if you have a long career, you're still going
• 1:06:09
  Speaker 2: to retire in your thirties. Now you still have another
• 1:06:11
  Speaker 2: sixty seventy years to go. So what are you gonna
• 1:06:12
  Speaker 2: do with the next chapter?
• 1:06:14
  Speaker 6: Right?
• 1:06:15
  Speaker 2: And so, and that's where you see what breaks my
• 1:06:17
  Speaker 2: heart where you see a lot of retired guys you
• 1:06:19
  Speaker 2: know end up like you know, suicide or things of
• 1:06:23
  Speaker 2: that nature. Because now those everybody's gone that was there
• 1:06:26
  Speaker 2: that was making money. You know, the marketing agents to
• 1:06:28
  Speaker 2: go and it's first agents a go and the financial
• 1:06:30
  Speaker 2: virs and everybody is gone. Who is who was on
• 1:06:33
  Speaker 2: the pay road to getting money from? Now that you're retired,
• 1:06:35
  Speaker 2: there's another kid coming. And so for me, for the
• 1:06:39
  Speaker 2: form of retired guys, it was so important for me
• 1:06:41
  Speaker 2: that that that their second that their second career is smooth, right,
• 1:06:45
  Speaker 2: or or if they don't, if they just want to
• 1:06:48
  Speaker 2: because you miss so much time being an athlete.
• 1:06:51
  Speaker 3: You know, it didn't hit me, man.
• 1:06:52
  Speaker 2: I was I was talking to one young when I
• 1:06:54
  Speaker 2: was talking to somebody like a while ago, he says,
• 1:06:55
  Speaker 2: you know what, when they retired, he was like, this
• 1:06:57
  Speaker 2: is my first It's like, this is my first Thanksgiving.
• 1:07:00
  Speaker 3: I haven't had things given them my family, you know
• 1:07:01
  Speaker 3: what I mean.
• 1:07:02
  Speaker 2: I was like, that's crazy, because yeah, you know, they
• 1:07:05
  Speaker 2: miss everything. So so whether you want to go right
• 1:07:08
  Speaker 2: into a new career or like a new challenge that
• 1:07:11
  Speaker 2: has to we have to make a plan for that.
• 1:07:13
  Speaker 2: Or if you just want to take like you just
• 1:07:15
  Speaker 2: want to take your kids to school for me, you
• 1:07:17
  Speaker 2: know what I mean, things that we take them up,
• 1:07:19
  Speaker 2: pick them up, or coach that little league team or whatever.
• 1:07:22
  Speaker 2: We have protected your wealth so much that you don't
• 1:07:25
  Speaker 2: that you can do whatever you want to do. You
• 1:07:27
  Speaker 2: know what I'm saying, No, you don't have you don't
• 1:07:29
  Speaker 2: have to do this. There's nothing that you need to
• 1:07:31
  Speaker 2: do right, But it's so important that when they're in
• 1:07:34
  Speaker 2: their at the height of their career, that they build
• 1:07:36
  Speaker 2: their relationships are going to help them transcend the next
• 1:07:39
  Speaker 2: chapter of their career. So I'm always forcing clients to
• 1:07:43
  Speaker 2: come with me the conferences or always forced them to
• 1:07:44
  Speaker 2: take this meeting, take that meeting. Hey, when you land
• 1:07:46
  Speaker 2: in the city, you may have to play on Sunday,
• 1:07:49
  Speaker 2: but that's Saturday, Like you have some time off, you
• 1:07:51
  Speaker 2: know what I mean. So instead of hanging with the
• 1:07:53
  Speaker 2: boys or going to the just go take a meet
• 1:07:55
  Speaker 2: in that city, you know. And it's going to be
• 1:07:58
  Speaker 2: hard when you're twenty twenty one to kind of know
• 1:08:00
  Speaker 2: what you want to do ten years from ten years
• 1:08:03
  Speaker 2: from now, But just keep taking meetings, you know what
• 1:08:05
  Speaker 2: I mean, And just keep meeting good people and eventually
• 1:08:09
  Speaker 2: you gonn You're gonna figure it out, you know what
• 1:08:10
  Speaker 2: I mean. But I feel like my role as a
• 1:08:13
  Speaker 2: as a wealth manager as a lifelong role, and so
• 1:08:18
  Speaker 2: it's very very important that I'm not going anywhere, right,
• 1:08:20
  Speaker 2: So it's very very important that each each decade, especially
• 1:08:25
  Speaker 2: post retirement, that these athletes predominantly are still are still successful.
• 1:08:28
  Speaker 7: Yeah, what about the mental piece, because obviously you're a
• 1:08:31
  Speaker 7: wealth manager, but we've seen athletes and entertainers who struggled
• 1:08:34
  Speaker 7: with mental health and like, so we saw Kevin Love
• 1:08:37
  Speaker 7: who said, you know what, I need to step away
• 1:08:39
  Speaker 7: some more wiles at the Olympics.
• 1:08:40
  Speaker 6: I need to step away. What about that component?
• 1:08:43
  Speaker 7: Is that something that your team is building or down
• 1:08:46
  Speaker 7: the road we're looking like we need to add this
• 1:08:48
  Speaker 7: component because more athletes we're seeing this is happening more frequently.
• 1:08:52
  Speaker 2: Yeah, another great question. You know I grew like when
• 1:08:54
  Speaker 2: I started finances, I always managed finances. This is day
• 1:08:56
  Speaker 2: one in a E collateral E collateral triangle. One side
• 1:09:00
  Speaker 2: of that triangle was the economic capital. Of course, it's
• 1:09:03
  Speaker 2: the financial plan and taxes, investments, you name it, okay,
• 1:09:05
  Speaker 2: But the other triangle was what I call a social capital,
• 1:09:10
  Speaker 2: like what do you want your legacy to be and
• 1:09:12
  Speaker 2: how are you impact on your family, your neighborhood, your community,
• 1:09:16
  Speaker 2: the state, the country and eventually the world. What's that plan?
• 1:09:19
  Speaker 2: And the other plan was what you're talking about, this
• 1:09:21
  Speaker 2: mental wealth spiritual capital. It's like how are you healing?
• 1:09:26
  Speaker 6: You know what I mean?
• 1:09:26
  Speaker 2: Like what books are you reading? Are you talking to
• 1:09:28
  Speaker 2: a therapist. How is your mental heart you feeling. I've
• 1:09:31
  Speaker 2: always managed a client, especially these really dynamic athletes, especially
• 1:09:35
  Speaker 2: the football stars, in that equilateral triangle, you know what
• 1:09:38
  Speaker 2: I mean. And now one triangle is more important than
• 1:09:40
  Speaker 2: the other, right, because if you have somebody who's mentally
• 1:09:44
  Speaker 2: and spiritually man growing and healing, they're making a big impact,
• 1:09:48
  Speaker 2: you know, and they live in a life that's bigger
• 1:09:50
  Speaker 2: than themselves. And then they're doing something with their and
• 1:09:52
  Speaker 2: they're doing the right things with their finances. You have
• 1:09:54
  Speaker 2: a really really really complete human being, right, and that
• 1:09:58
  Speaker 2: person can and that person can change, can change the world.
• 1:10:01
  Speaker 2: But since day one, I've understood that trauma and and
• 1:10:05
  Speaker 2: we've always always managed. I've always thought of myself like
• 1:10:08
  Speaker 2: I don't really manage wealth, I manage wellness.
• 1:10:12
  Speaker 3: So that's a great Christian try.
• 1:10:13
  Speaker 5: Yeah, pleasure my brother. So what's your what's your plans? Like,
• 1:10:18
  Speaker 5: what's what's your next ten years look like for you?
• 1:10:20
  Speaker 5: What would you like to take the company? Like, what's
• 1:10:23
  Speaker 5: your I know you say you're writing a book, Like
• 1:10:25
  Speaker 5: what's on your vision board for this year in the
• 1:10:27
  Speaker 5: next decade?
• 1:10:28
  Speaker 2: You know, it's a it's a it's a really really
• 1:10:30
  Speaker 2: great question, you know. And I've started to take life
• 1:10:37
  Speaker 2: ten years at a time, you know, and then and
• 1:10:39
  Speaker 2: then divide those ten years and to have so you know,
• 1:10:42
  Speaker 2: so you know the first five and the second five,
• 1:10:45
  Speaker 2: and and I was talking to my mentor about this,
• 1:10:49
  Speaker 2: and and and you know, when I think about I'm
• 1:10:52
  Speaker 2: thirty five, so I'm going to the second part of
• 1:10:54
  Speaker 2: my forties, you know what I mean?
• 1:10:55
  Speaker 6: And so I try to Yes, he said, he's thirty five. Yeah,
• 1:10:58
  Speaker 6: these only thirty five.
• 1:11:00
  Speaker 2: I was joking with you, like you gone in years,
• 1:11:03
  Speaker 2: you know, there's a those are dog years, man, I'm
• 1:11:05
  Speaker 2: seventy five. But but for me, I want I think
• 1:11:09
  Speaker 2: the next goal that we that we after is on
• 1:11:12
  Speaker 2: the on the finance side, is we want to we
• 1:11:14
  Speaker 2: want to build you know, you know this black owned
• 1:11:17
  Speaker 2: ri as. That's that's managing over a billion dollars. So
• 1:11:20
  Speaker 2: that's that's the goal financially. Can you imagine how powerful
• 1:11:24
  Speaker 2: that is to have the biggest names in the world,
• 1:11:26
  Speaker 2: who have the biggest influence and their money has been protected,
• 1:11:29
  Speaker 2: grown and transferred. And you have a you have a
• 1:11:31
  Speaker 2: you have a collective family, a lifeline that has a
• 1:11:34
  Speaker 2: being out as an assets. I mean that's that's gonna
• 1:11:37
  Speaker 2: be that's gonna be incredible, you know. So that's that's
• 1:11:40
  Speaker 2: kind of like what we what we what we what
• 1:11:42
  Speaker 2: we eyeing on? But I'll tell you guys earlier, my
• 1:11:44
  Speaker 2: goal is I look at you know, if you look
• 1:11:46
  Speaker 2: at like the Goldman, Sacks or Merrill Lynch, I mean,
• 1:11:49
  Speaker 2: those are human beings.
• 1:11:50
  Speaker 5: Right.
• 1:11:50
  Speaker 2: There's a guy named marylyn this guy named Lynch. There
• 1:11:52
  Speaker 2: was a guy named Goldman, and the guy named Sacks.
• 1:11:54
  Speaker 2: Like you know what I mean, Like when you look
• 1:11:56
  Speaker 2: at Morgan Stanley or JP Morgan, those are people, right,
• 1:11:59
  Speaker 2: and obviously they did what they did to get it there.
• 1:12:02
  Speaker 2: We're gonna do hours differently. But I want to build
• 1:12:05
  Speaker 2: my My hearted year plan is to build a black
• 1:12:08
  Speaker 2: dynasty like that, right and and be able to protect
• 1:12:10
  Speaker 2: and grow and and uh and transfer Black Wolf globally.
• 1:12:14
  Speaker 6: Right.
• 1:12:14
  Speaker 3: So if you're in.
• 1:12:14
  Speaker 2: South to South America, uh, you know obviously the continent,
• 1:12:18
  Speaker 2: you know North America.
• 1:12:20
  Speaker 7: Uh.
• 1:12:20
  Speaker 2: And and you want a place man where people to
• 1:12:22
  Speaker 2: look like you, where you you want to you, where
• 1:12:24
  Speaker 2: you're you're a dynamic. You have a place where people
• 1:12:27
  Speaker 2: look like you can manage your money. And then if
• 1:12:29
  Speaker 2: you're somebody like, if you someone like me or Rashad
• 1:12:31
  Speaker 2: or you want to work in this business, you have
• 1:12:33
  Speaker 2: a place you can come.
• 1:12:34
  Speaker 3: You know what I'm saying. And uh iris joke.
• 1:12:36
  Speaker 2: If you come to Lifeline headquarters, man, you'll see like
• 1:12:38
  Speaker 2: it'll feel like Spellman in the.
• 1:12:40
  Speaker 3: Morehouse had a baby. You know what I'm saying. It's beautiful.
• 1:12:44
  Speaker 2: So I want to build something that's gonna last a
• 1:12:46
  Speaker 2: test of time. And that's why, like I don't sell
• 1:12:48
  Speaker 2: my company no matter how many like offers I get
• 1:12:50
  Speaker 2: from these wirehouses. I want to I want to see
• 1:12:53
  Speaker 2: something that can stand the test of time.
• 1:12:55
  Speaker 6: Powerful. Yeah, how often do you go back to Uganda?
• 1:12:58
  Speaker 6: Because I was reading right? Yeah, you have a son, yeah,
• 1:13:02
  Speaker 6: two boys, two boys?
• 1:13:03
  Speaker 7: Yeah, and so like they've never this is interesting when
• 1:13:06
  Speaker 7: we talk about generational wealth and generational freedom. They've never
• 1:13:10
  Speaker 7: seen your father's hard work and mom's hard work.
• 1:13:13
  Speaker 1: Yeah.
• 1:13:13
  Speaker 7: Yeah, they see you work, and it's like, Okay, daddy
• 1:13:16
  Speaker 7: has a cool job. But how do we get to
• 1:13:18
  Speaker 7: the point where we instill those those values and those
• 1:13:21
  Speaker 7: morals inside of them so they can continue the legacy?
• 1:13:24
  Speaker 5: Yeah?
• 1:13:24
  Speaker 3: Not great question.
• 1:13:25
  Speaker 5: And you know.
• 1:13:28
  Speaker 3: And you got kids too, right too?
• 1:13:29
  Speaker 2: Yeah, you have any yeah, sorry, Yeah, So you know,
• 1:13:32
  Speaker 2: like all of us are being successful, it's like you
• 1:13:35
  Speaker 2: you want to do enough for your children that that
• 1:13:38
  Speaker 2: they get a fair shot at this thing. And they
• 1:13:39
  Speaker 2: you know what I mean, and that they have everything
• 1:13:41
  Speaker 2: they need to be successful. But you don't want to
• 1:13:43
  Speaker 2: do too much to whether you rob them or their
• 1:13:45
  Speaker 2: own story, because that's the key in life, is your story, right,
• 1:13:48
  Speaker 2: because it's never about like what you become, but it's
• 1:13:51
  Speaker 2: about who you become.
• 1:13:52
  Speaker 6: Right.
• 1:13:53
  Speaker 2: And so when I think about my sons who are
• 1:13:55
  Speaker 2: going to come into a world of opulence. You know,
• 1:13:58
  Speaker 2: my oldest who's seven, like I teach him, you know,
• 1:14:01
  Speaker 2: you you spend a third, you save a third, you
• 1:14:04
  Speaker 2: give a third. I keep it that simple, right, and uh,
• 1:14:08
  Speaker 2: And when he's old enough, I do want to take
• 1:14:09
  Speaker 2: him back home. So for example, for his full break,
• 1:14:13
  Speaker 2: you know, I took him and we just spent like
• 1:14:14
  Speaker 2: five days an orphanages, you know what I mean, like cooking, cleaning,
• 1:14:18
  Speaker 2: playing with the kids. And and after we left the orphanage,
• 1:14:21
  Speaker 2: I said, I said, what was it so important? What
• 1:14:22
  Speaker 2: do you think it was so important for me to
• 1:14:24
  Speaker 2: that we that we spend time doing this? And he said, well, Papa,
• 1:14:26
  Speaker 2: he said two reasons. One so I can bring joy
• 1:14:30
  Speaker 2: to others and then two so I can be more
• 1:14:32
  Speaker 2: grateful for the life that I do have. You know,
• 1:14:34
  Speaker 2: so it's important that you don't you don't shelter them
• 1:14:37
  Speaker 2: and like you put them that they can just kind
• 1:14:39
  Speaker 2: of see and be more grateful for the life that
• 1:14:41
  Speaker 2: they do have. So, you know, I used to go
• 1:14:43
  Speaker 2: back to Uganda man every two years, but right now
• 1:14:46
  Speaker 2: there's like a lot of political conflict. My brother Bobby Wine,
• 1:14:51
  Speaker 2: who's the people's elected president. You know, we still stuff
• 1:14:55
  Speaker 2: from from a dictator you're in the seventy who's killing
• 1:14:58
  Speaker 2: everybody and and literally using the country as his uh
• 1:15:02
  Speaker 2: piggy bank and putting his army everywhere. And we're still
• 1:15:05
  Speaker 2: going through the same genocide today that we went through
• 1:15:07
  Speaker 2: that we were going through back in the sixth in
• 1:15:08
  Speaker 2: the seventies and eighties. So it's not safe to bring
• 1:15:12
  Speaker 2: my kids, uh, but one day with my when my
• 1:15:14
  Speaker 2: brother Bobby wants president, will will rejoice to free you Ganda.
• 1:15:18
  Speaker 2: And I can't wait to bring my sons to the
• 1:15:20
  Speaker 2: to the village I grew up and so they can
• 1:15:22
  Speaker 2: see with the whole, you know, with their own with
• 1:15:24
  Speaker 2: their own lives because we right now, I'm the oldest man.
• 1:15:26
  Speaker 2: You know, he'll he'll not finish his food now, be
• 1:15:28
  Speaker 2: like finish your food. He'll come back to the dinner table.
• 1:15:30
  Speaker 3: You know. Okay, I know, I know it's from you,
• 1:15:33
  Speaker 3: from you Ghanda.
• 1:15:37
  Speaker 5: Yeah, they wish they had where was playing basketball?
• 1:15:40
  Speaker 6: Was that Wanda, Rwanda?
• 1:15:42
  Speaker 1: Yeah?
• 1:15:43
  Speaker 3: Yeah, that's our neighbor.
• 1:15:44
  Speaker 5: Yeah right, that's that's next door, right right next door.
• 1:15:46
  Speaker 3: Yeah yeah, but I can't wait. Man, can you imagine.
• 1:15:49
  Speaker 6: We're we're coming with you.
• 1:15:50
  Speaker 3: That be incredible, y friend, you Ganda, We're gonna do
• 1:15:53
  Speaker 3: this and U Ganda.
• 1:15:55
  Speaker 5: You know that's a fact.
• 1:15:56
  Speaker 3: We new president. It's gonna be, It's gonna be, It's
• 1:15:58
  Speaker 3: gonna be incredible.
• 1:15:58
  Speaker 5: Yeah, we definitely owe Africa second visit. We went a
• 1:16:00
  Speaker 5: couple of months ago. We went to uh We went
• 1:16:03
  Speaker 5: to Lakeos, Nigeria, and we went to Egypt. So it
• 1:16:06
  Speaker 5: was good vibes out there. So now we gotta go back.
• 1:16:07
  Speaker 5: We gotta go to Ghana. We gotta go all over.
• 1:16:10
  Speaker 6: I just got a text about Ghana today.
• 1:16:11
  Speaker 5: Yeah.
• 1:16:12
  Speaker 2: Well you know the I told him, I tell uh,
• 1:16:15
  Speaker 2: I tell him my friends. Master mean you got to
• 1:16:17
  Speaker 2: go home you know, like go like, you know, go
• 1:16:19
  Speaker 2: go back home. And because you know, we we we
• 1:16:22
  Speaker 2: always get excited when we see our brothers from the states.
• 1:16:24
  Speaker 3: You know, you guys got you never left.
• 1:16:28
  Speaker 5: David shout out to him and we interviewed him and
• 1:16:31
  Speaker 5: he was like, yeah, welcome home first and foremost, welcome home.
• 1:16:33
  Speaker 3: We'll come home. Yeah. We get so excited when we
• 1:16:35
  Speaker 3: see our brothers in the state. Man, we get so excited.
• 1:16:37
  Speaker 3: So you gotta go see you gotta go see that.
• 1:16:39
  Speaker 3: You gotta go see that. You gotta go to the continent.
• 1:16:41
  Speaker 6: Absolutely.
• 1:16:43
  Speaker 5: What would you like to leave the people with anything
• 1:16:46
  Speaker 5: that you know? I know you're not only on social
• 1:16:48
  Speaker 5: media like that. I would I usually ask like social
• 1:16:50
  Speaker 5: media handles, but you can't say that if you want.
• 1:16:52
  Speaker 5: But whatever you want to leave the people, you can.
• 1:16:54
  Speaker 3: I don't.
• 1:16:54
  Speaker 2: You know, I don't really post much, but you can
• 1:16:56
  Speaker 2: find me at uh at Humble with the Peers at
• 1:17:00
  Speaker 2: the end on on on ig and at h too
• 1:17:03
  Speaker 2: Humble on Twitter. But for me, you know, my goal
• 1:17:07
  Speaker 2: is to help people transform tragedy to triumph. Like you know,
• 1:17:12
  Speaker 2: it's wherever you find yourself, right, whether it's whatever dream
• 1:17:15
  Speaker 2: you might have, man, like whether it's starting your own
• 1:17:18
  Speaker 2: financial firm, or or creating you know, a legendary platform
• 1:17:22
  Speaker 2: to educate the masses, or whatever whatever your dream is, man,
• 1:17:26
  Speaker 2: let's go, just go do it, you know what I mean,
• 1:17:28
  Speaker 2: Just go do it. And what I found, what I
• 1:17:30
  Speaker 2: find in life is like people.
• 1:17:31
  Speaker 3: People.
• 1:17:32
  Speaker 2: The reason why peop don't achieve their goals is they
• 1:17:35
  Speaker 2: they don't have an accurate gauge. They overestimate their skill
• 1:17:39
  Speaker 2: set and they overestimate their work ethic. So if you're
• 1:17:43
  Speaker 2: out there, man, it's like have an accurate gauge on
• 1:17:45
  Speaker 2: your like your skill set, which that beau then it
• 1:17:47
  Speaker 2: allows you to like keep working and getting better and
• 1:17:49
  Speaker 2: have an accurate gauge on your work ethic. Because man,
• 1:17:52
  Speaker 2: you can do anything you want to do. And in America, man,
• 1:17:55
  Speaker 2: you know, has its America obviously has its, has its pain,
• 1:17:59
  Speaker 2: and and it has so much that it has to
• 1:18:02
  Speaker 2: grow from. But I don't know anywhere else, man, where
• 1:18:05
  Speaker 2: a kid can come from a mud hut in Uganda
• 1:18:08
  Speaker 2: and build what I've built, you know what I mean,
• 1:18:11
  Speaker 2: in one generation, you know what I mean. So I
• 1:18:16
  Speaker 2: remember I remember coming to this country, man, and I
• 1:18:19
  Speaker 2: couldn't believe that if you went to a particular spot
• 1:18:22
  Speaker 2: in your neighborhood, this yellow bus would pick you up
• 1:18:24
  Speaker 2: in the morning, and then this bus would drive you
• 1:18:28
  Speaker 2: to this school. You have to pay to go to
• 1:18:30
  Speaker 2: the school.
• 1:18:30
  Speaker 3: You know what I mean.
• 1:18:31
  Speaker 2: You would get out of this school and then you
• 1:18:32
  Speaker 2: would have all these teachers who are all really really
• 1:18:36
  Speaker 2: knowledgeable on different subjects, and they'll teach you math and
• 1:18:38
  Speaker 2: science and English and social studies, you name it. If
• 1:18:43
  Speaker 2: you didn't have lunch, you can get free lunch, and
• 1:18:45
  Speaker 2: then you got to take the books home. And then
• 1:18:48
  Speaker 2: if you at the end of the school, if you
• 1:18:50
  Speaker 2: went to the same place that bus dropped you off
• 1:18:51
  Speaker 2: at in the morning, they'll take you and pick you
• 1:18:53
  Speaker 2: up in the morning.
• 1:18:55
  Speaker 3: You know what I mean.
• 1:18:55
  Speaker 2: I'm from a mud hut and you God couldn't believe
• 1:18:57
  Speaker 2: this shit. I was like, where am I? Where am I?
• 1:19:01
  Speaker 2: You know what I'm saying. And and when you come
• 1:19:04
  Speaker 2: to this you know, and there's a there's a there's
• 1:19:09
  Speaker 2: an appreciation that I want people to have when you
• 1:19:12
  Speaker 2: grow up in this country. And and I'm not saying
• 1:19:16
  Speaker 2: man that I'm not saying any any place is perfect,
• 1:19:19
  Speaker 2: but there is an opportunity here where you can be
• 1:19:22
  Speaker 2: whatever you can literally change the trajectory of your family's life.
• 1:19:27
  Speaker 2: And so I want to be an example for people
• 1:19:29
  Speaker 2: to look at my story and say, man, this kid
• 1:19:31
  Speaker 2: lost everything. You're right, he he came from genocide and
• 1:19:35
  Speaker 2: is Uganda and he came here and built, you know,
• 1:19:39
  Speaker 2: and and and was able to build something something big.
• 1:19:42
  Speaker 5: Right.
• 1:19:43
  Speaker 3: It's not that so much.
• 1:19:45
  Speaker 2: It's not that it's been easy, but it's been meaningful,
• 1:19:47
  Speaker 2: you know what I mean. So my last words, just
• 1:19:49
  Speaker 2: like whever Herbert was watching this is don't don't don't
• 1:19:53
  Speaker 2: look and find and don't look and find faults of
• 1:19:56
  Speaker 2: why you can't do something man like, look and find inspiration,
• 1:20:00
  Speaker 2: you know what I mean?
• 1:20:00
  Speaker 3: And I hope I can be that for somebody today.
• 1:20:03
  Speaker 5: There you have, ladies and gentlemen, Troy house Keeping.
• 1:20:05
  Speaker 6: I am man, powerful, Powerful. Shout to everybody on patreon
• 1:20:08
  Speaker 6: dot com.
• 1:20:08
  Speaker 7: Shout to all our euy L University members, all the
• 1:20:11
  Speaker 7: earners that are in there, over twelve thousand of you.
• 1:20:13
  Speaker 7: We love every single one of you. Shout to all
• 1:20:15
  Speaker 7: our professors for just educating the masses. Shout out to
• 1:20:18
  Speaker 7: the whole team man, Shout out to the merged team.
• 1:20:21
  Speaker 7: It's been an incredible journey man, and I'm just uplifted man,
• 1:20:25
  Speaker 7: shout shout the humble for blessing us today. Man, I
• 1:20:27
  Speaker 7: greatly appreciate you being there.
• 1:20:28
  Speaker 5: Yeah, for sure, thank you guys. Rock and West will shout.
• 1:20:31
  Speaker 6: Out to y'all.
• 1:20:31
  Speaker 3: Man, guys are legendary. I think I've done like two interviews.
• 1:20:36
  Speaker 5: Man.
• 1:20:37
  Speaker 6: That's why I say he said google them good luck.
• 1:20:40
  Speaker 6: This will be the deestimony, right, you.
• 1:20:42
  Speaker 4: Got you guys.
• 1:20:43
  Speaker 3: I want to give you flowers.
• 1:20:44
  Speaker 5: Man.
• 1:20:46
  Speaker 2: Man, I wish there are words to adequately describe how
• 1:20:49
  Speaker 2: important what you guys are doing. You are leveling the
• 1:20:54
  Speaker 2: playing field and giving everybody access to information to transform
• 1:20:58
  Speaker 2: their lives. I mean, you got continue to be blessed,
• 1:21:01
  Speaker 2: continue to be successful. I made the good Lord bless
• 1:21:05
  Speaker 2: the hands of your work.
• 1:21:06
  Speaker 7: You know.
• 1:21:07
  Speaker 6: Look that's people say. Amen.
• 1:21:08
  Speaker 5: Amen, Amen, all right, God, thank you for Rock West.
• 1:21:11
  Speaker 5: To see you next week.
• 1:21:12
  Speaker 4: Peace Please, my graduates from my school being forced bad
• 1:21:18
  Speaker 4: drop b drop my drop, bad drop drop.
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