Latest / Earn Your Leisure / EYL #84 American Hustle feat. Jamila Davis
Transcript
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- 1:00Speaker 2: All right, guys, welcome back, Earn your Lisia. This is
- 1:04Speaker 2: This is a different episode for us, but we tell stories.
- 1:07Speaker 2: The thing we're unleashes that we do a lot of
- 1:09Speaker 2: different stuff. Sometimes we do like blueprints on businesses. Sometimes
- 1:12Speaker 2: we highlight a person's journey. Sometimes we tell stories. Shout
- 1:16Speaker 2: out to Kenny Burns legendary. Yeah, that's another one. That's
- 1:23Speaker 2: the fact. So this story is it's a financial story,
- 1:27Speaker 2: but it also deals with the criminal justice system. It
- 1:30Speaker 2: deals with all kinds of biases inside of that, it
- 1:35Speaker 2: deals with the financial crisis of two thousand and eight.
- 1:39Speaker 2: It's a whole bunch of a lot of stuff. It's
- 1:41Speaker 2: a lot of stuff. So yeah, you know, I'm excited
- 1:44Speaker 2: to have this conversation. And this is something that I
- 1:47Speaker 2: think is going to be extremely informative, educational, and I
- 1:52Speaker 2: think captivating.
- 1:53Speaker 3: It might be the word. I'm being honest, and I
- 1:55Speaker 3: told you this beforehand, but I didn't tell you our guest, uh,
- 1:59Speaker 3: my parents, you know, they in their sixties, late sixties,
- 2:02Speaker 3: early seventies, and they just figured out how to use YouTube.
- 2:05Speaker 3: And once they got on, this young lady that we're
- 2:08Speaker 3: gonna talk to in a second was on their YouTube
- 2:12Speaker 3: channel and they watched your story and we're blown away.
- 2:14Speaker 3: Like they were like, Troy, come downstairs right now, you
- 2:16Speaker 3: gotta watch this. And we sat down and watched your
- 2:18Speaker 3: story and just what blown away. So when I told him, like, hey,
- 2:21Speaker 3: guess we're about to have one on your Leisure. She
- 2:23Speaker 3: was like, are you serious? So this is gonna be
- 2:25Speaker 3: my mom's favorite episode.
- 2:26Speaker 2: Yeah, for sure. So Jamiller T. Davis. You might have
- 2:31Speaker 2: seen her on Love and Hip Hop. You might have
- 2:34Speaker 2: seen I think then if you're referring to as a
- 2:36Speaker 2: breakfast club interview. She's a published author, she's an entrepreneur.
- 2:41Speaker 2: She has a program in school, who was just talking
- 2:43Speaker 2: about now where she's going into school teaching financial literacy
- 2:47Speaker 2: along with a bunch of other programs. But before that,
- 2:52Speaker 2: she was incarcerated for nine years. And before that she
- 2:57Speaker 2: was very big in the credit industry, real estate industry,
- 3:03Speaker 2: worked with a lot of rappers and Celebritanies. And yeah,
- 3:08Speaker 2: so the story is, it's a it's a very, like
- 3:11Speaker 2: you said, captivating story. It involves the government, the former
- 3:14Speaker 2: governor of New Jersey, Chris Christy. It involves Leaming Brothers,
- 3:18Speaker 2: which is the most one of the most infamous banks
- 3:20Speaker 2: on Wall Street that collapsed during in two thousand and eight.
- 3:23Speaker 2: And it involves credit real estate, it involves mansions, all
- 3:31Speaker 2: of that, all of that, so we're gonna get to it,
- 3:35Speaker 2: but first and foremost, thank you for joining us. We
- 3:37Speaker 2: appreciate it.
- 3:39Speaker 4: Thank you so much.
- 3:39Speaker 2: For having no no problem, no problem. So so yes,
- 3:43Speaker 2: let's let's get into it. So people that might not
- 3:46Speaker 2: be familiar with your story, they like they said, they
- 3:47Speaker 2: might have seen you on TV, or they might not have.
- 3:51Speaker 2: You know, I learned about your story recently and I
- 3:53Speaker 2: was really intrigued by it. So it's a financial story.
- 3:56Speaker 2: Can you start us off at the beginning of where
- 3:59Speaker 2: it starts?
- 4:00Speaker 5: Okay, the beginning of where it started for me was
- 4:04Speaker 5: really getting dumped at the age of fourteen, right by
- 4:08Speaker 5: a sixteen year old drug dealer. So I was like
- 4:11Speaker 5: a good girl kind of that went bad. My mom
- 4:14Speaker 5: was a school teacher, my father was a transit supervisor, and.
- 4:17Speaker 4: I wanted a boyfriend and I got one right.
- 4:20Speaker 5: So, my first week of going to high school performing
- 4:22Speaker 5: artson Manhattan, I met this drug dealer boyfriend who now
- 4:25Speaker 5: I grew up late eighties, early nineties, so you already
- 4:29Speaker 5: know that was like the beginning of.
- 4:31Speaker 4: The crack cocaine epidemic. Money was hitting.
- 4:33Speaker 5: My dude was making like ten thousand dollars a week
- 4:35Speaker 5: at sixteen, so I was living this life and you know,
- 4:39Speaker 5: thinking I was a cool kid, and he ended up
- 4:42Speaker 5: dumping me for the girl that was sixteen years old
- 4:45Speaker 5: who made her own money, and he said that he
- 4:48Speaker 5: was choosing her over me because she was an independent
- 4:50Speaker 5: chick that made her own money. And really, truthfully, the
- 4:53Speaker 5: pain that I felt inside is like an undescribable feeling
- 4:57Speaker 5: because as a fourteen year old girl already delving in
- 5:01Speaker 5: things I wasn't supposed to get involved with, to get
- 5:04Speaker 5: the heartbreak after I thought we would live happily ever
- 5:07Speaker 5: after like my parents was heartbreaking. So what it did
- 5:11Speaker 5: was it drive me to be an independent woman to
- 5:14Speaker 5: get my own money because I wanted to show.
- 5:16Speaker 4: Him what he messed up on.
- 5:17Speaker 5: So it created this drive in me that was like
- 5:21Speaker 5: nobody's business. Literally, in high school, I had went to
- 5:24Speaker 5: school full time and had a full time job at
- 5:27Speaker 5: Hagendos right, And it went from that to following my
- 5:30Speaker 5: boyfriend's lifestyle getting into hustling, and then it went from
- 5:33Speaker 5: hustling into getting into the credit business, and then I
- 5:36Speaker 5: made millions of dollars.
- 5:38Speaker 4: So by the time I turned twenty.
- 5:39Speaker 5: Five years old, I was a real estate investor, making
- 5:42Speaker 5: all kinds of boohoos of money and again chasing that
- 5:46Speaker 5: thing that was missing aside that never got healed.
- 5:49Speaker 4: As a fourteen year old.
- 5:50Speaker 3: So when you talk about the credit business, what were
- 5:52Speaker 3: we doing credit repair?
- 5:54Speaker 4: Yes, and so I'm an early burden it. So like
- 5:57Speaker 4: when I say people now, I laugh.
- 6:01Speaker 5: Ninety nine two thousand, I was taking people from four
- 6:04Speaker 5: hundred fighter score to eight hundred overnight. But the thing
- 6:07Speaker 5: about now is we have information. Then there wasn't really information.
- 6:10Speaker 4: It was the hookup.
- 6:11Speaker 5: So I had someone in the credit bureaus that could
- 6:14Speaker 5: actually you know, we paid them.
- 6:15Speaker 4: A couple of dollars and they made it happen.
- 6:17Speaker 5: And that's how I caught my first federal case because
- 6:20Speaker 5: you know, we got jammed up by putting people through
- 6:23Speaker 5: the credit system that we created.
- 6:25Speaker 2: So how did you get turned onto this? Because it's
- 6:27Speaker 2: like all right, like you said, growing up in the
- 6:29Speaker 2: late eighties early nineties, the obvious thing to do if
- 6:32Speaker 2: you want to, you know, at illegal activities, sell drugs, robbery,
- 6:36Speaker 2: stuff like that. At that time, especially white collar crimes
- 6:42Speaker 2: for people from the neighborhood of young people like who, like,
- 6:46Speaker 2: how did you get like what made you say, like, yeah, the.
- 6:52Speaker 4: Story is gonna make you laugh. First of all, I
- 6:54Speaker 4: wanted a Lexis GS three hundred, and there was this
- 6:58Speaker 4: lot on Boulevard, like if you had a couple of
- 7:01Speaker 4: pay stubbs, and I had a good little bank job. Ironically,
- 7:04Speaker 4: I used to work at the bank, so I had
- 7:05Speaker 4: a good little bank job at my pay stubs.
- 7:08Speaker 5: I went to the Russians, gave them my pay stubs,
- 7:10Speaker 5: and they got me my Lexus GS three.
- 7:12Speaker 2: Hundred, good car car.
- 7:13Speaker 5: Tom, you know only IRV, Gotti and JYZ had j
- 7:18Speaker 5: pushing through and the GS three hundred. Everybody like, yo,
- 7:21Speaker 5: that's your dual car. Like, nah, this is my car.
- 7:24Speaker 5: So it went from that and people was like, well,
- 7:26Speaker 5: how did you get it? I want to get one too.
- 7:28Speaker 5: So I started helping people get cars, and I learned
- 7:31Speaker 5: that I could make more money doing that than working
- 7:34Speaker 5: at my nine to five job. So I stumbled on
- 7:37Speaker 5: becoming an entrepreneur right and then I got into the
- 7:40Speaker 5: credit game, helping people to purchase cars and houses and
- 7:44Speaker 5: stuff like that. I went from cars to houses, and
- 7:47Speaker 5: I wanted to help my people get their portion of
- 7:50Speaker 5: the American dream.
- 7:51Speaker 3: So you're introducing people to the credit, I'm assuming the
- 7:54Speaker 3: derogatories and late payments. We're wiping these out.
- 7:59Speaker 4: Listen, we wipe out.
- 8:01Speaker 5: The system is not even you know, people would die
- 8:05Speaker 5: for the system today because it's not like you writing
- 8:07Speaker 5: a letter.
- 8:08Speaker 4: It's not like you wishing or praying or waiting.
- 8:10Speaker 5: It's like, hey, yo, take that off, all right, we
- 8:12Speaker 5: got that when that one next day you wipe clean.
- 8:15Speaker 5: And then what we did as well, we added trade
- 8:17Speaker 5: lines on. So like, trade lines is not new, this
- 8:20Speaker 5: is all old stuff. So back in ninety nine two thousand,
- 8:24Speaker 5: we was adding trade lines onto people's credit. So we
- 8:26Speaker 5: would take people with blank credit and then make them
- 8:29Speaker 5: have an eight hundred score overnight because we understood the system.
- 8:33Speaker 2: So all right, so at what point do you get
- 8:35Speaker 2: into real estate?
- 8:37Speaker 5: So ironically, like I grew up in real estate because
- 8:41Speaker 5: my parents, who migrated from North Carolina, they used real
- 8:45Speaker 5: estate as a way to overcome party. So my father
- 8:48Speaker 5: had several multi family buildings in Brooklyn, and I.
- 8:51Speaker 4: Watched him have his tenants pay off his mortgage.
- 8:55Speaker 5: So seeing that as a young girl, I was always
- 8:57Speaker 5: intrigued by it, and I knew that it was the answer.
- 9:00Speaker 5: So I went to school. I actually got my real
- 9:03Speaker 5: estate broker's license back in nineteen ninety eight, and I
- 9:06Speaker 5: started selling houses in.
- 9:08Speaker 2: My neighborhood in Queens, Yes, so all right, so you're
- 9:12Speaker 2: selling houses and queens. Is this during the time that
- 9:14Speaker 2: you you got the credit thing going, Yes.
- 9:17Speaker 4: So I'm hustling multiple streams of income. Then understand that
- 9:20Speaker 4: at the time, but yeah, I was doing that.
- 9:23Speaker 3: Hey, yeah, So the person comes in, they're looking for
- 9:26Speaker 3: the home. The credit is bad, Like, yo, don't worry,
- 9:30Speaker 3: I can take care of that. We're gonna get you
- 9:31Speaker 3: this home tome, that's right.
- 9:33Speaker 5: And I really had a lot of like rappers and
- 9:35Speaker 5: stuff that were my clients. I grew up around the
- 9:37Speaker 5: corner from DJ Clue, Me and joh Rul went to
- 9:40Speaker 5: school together. So it's like I got and then E
- 9:43Speaker 5: money bags peace, Yes, my big homie. So like he
- 9:49Speaker 5: put me on the Oconelly Oconnelly put me on the
- 9:51Speaker 5: jay Z and Dame and then the story just went
- 9:53Speaker 5: on from there. So all of these people have fresh new.
- 9:56Speaker 4: Money, right, so they had cash, but they didn't.
- 9:59Speaker 5: Have credit, so they couldn't really obtain the things that
- 10:01Speaker 5: they wanted. So I became to go to with a
- 10:04Speaker 5: plug like, Okay, you want to get in this apartment complex.
- 10:07Speaker 4: Okay, we're gonna get approved, no problem. Let me get
- 10:09Speaker 4: that bread I got you. You feel me. Then it
- 10:11Speaker 4: went from getting.
- 10:12Speaker 5: Them into apartments to like, listen, let's go by these mansions.
- 10:15Speaker 5: And I actually got introduced to Alpine, New Jersey. Like
- 10:18Speaker 5: and if anybody knows anything about Alpine and south of
- 10:21Speaker 5: the river, these are like the states, right, So these
- 10:24Speaker 5: are our houses that are mansions.
- 10:27Speaker 4: On two, three, four or five acres.
- 10:29Speaker 5: Of land with swimming pools and tennis courts and all
- 10:32Speaker 5: that kind of thing.
- 10:34Speaker 4: Actually, bigs jay z partner introduced me to Alpine.
- 10:38Speaker 5: And when I seen the castles out there, I was like,
- 10:41Speaker 5: oh my god, how do I get into this game?
- 10:43Speaker 4: I want to get.
- 10:44Speaker 5: Into these kind of houses. And I figured it out
- 10:47Speaker 5: and it was on and popping from there. So I
- 10:48Speaker 5: started bringing like way before did he move there? Way
- 10:51Speaker 5: before Mary moved there? You know, we was in Ourpine
- 10:54Speaker 5: and we started bringing in different celebrities to live in
- 10:57Speaker 5: these areas.
- 11:00Speaker 4: Oh, don't do that to the we gave the neighborhood,
- 11:04Speaker 4: you know what I mean.
- 11:05Speaker 3: Yeah, I'm just yeah out the bigs man we've we
- 11:08Speaker 3: met on a few time. Were gonna get him on
- 11:09Speaker 3: any leigure soon enough.
- 11:10Speaker 2: Yeah, So Alpine, New Jersey, all right, So you start
- 11:16Speaker 2: to buy houses in Alpine New Jersey. Are you buying
- 11:19Speaker 2: it for yourself? Are you helping other people? Like you're
- 11:21Speaker 2: like a real estate agent at this point.
- 11:24Speaker 5: Well, I'm still a broker, but I've also investor, so
- 11:28Speaker 5: I was kind.
- 11:28Speaker 4: Of like a business manager.
- 11:30Speaker 5: So actually, one of my clients, Akonelli, came to me
- 11:34Speaker 5: and he wanted to purchase a property in Creskill, which
- 11:37Speaker 5: is the town outside of Alpine. And the house that
- 11:40Speaker 5: he wanted to buy, he was able to secure it
- 11:42Speaker 5: for one point one million dollars, but when I sent
- 11:45Speaker 5: my appraisals out, I realized that it came in for
- 11:49Speaker 5: two point two So I'm like, yo, this property got
- 11:51Speaker 5: like a million dollars worth of equity.
- 11:53Speaker 4: Right.
- 11:54Speaker 5: What happens is rich people don't want to fix up property.
- 11:58Speaker 5: So if something had repairs that need to be done,
- 12:01Speaker 5: they don't want that house. They want to move in,
- 12:04Speaker 5: everything done, everything the way that they wanted to be.
- 12:07Speaker 4: So I noticed that there.
- 12:08Speaker 5: Was a lot of houses on the market that we
- 12:10Speaker 5: could actually obtain that would appraise Because if you know
- 12:13Speaker 5: anything about appraisals, it's about really square footage, right, So
- 12:16Speaker 5: if you have a house that's the same square footage
- 12:19Speaker 5: as a house across the street. You might take two
- 12:21Speaker 5: three hundred thousand off the value if you know it
- 12:23Speaker 5: has elabrary repairs, but they would be worth the same
- 12:26Speaker 5: amount when you're do an appraisal.
- 12:28Speaker 4: So when I noticed that, I'm like, whoa, you know,
- 12:32Speaker 4: the bell started going on.
- 12:34Speaker 5: If I get a couple of these, I could flip
- 12:36Speaker 5: them to my celebrity clients and make a bunch of money.
- 12:39Speaker 4: And that's how I kind of got in the game.
- 12:41Speaker 5: My partner, he was actually in East Orange and Newark
- 12:44Speaker 5: flipping houses back then, killing the game back then, and
- 12:48Speaker 5: we kind of joined forces together and I'm like, can
- 12:50Speaker 5: we take the same formula that you're doing in the
- 12:53Speaker 5: hood and let's bring that over to the rich people's
- 12:55Speaker 5: area and we could bang And we did that, and
- 12:58Speaker 5: the rich people were like a maze because we was
- 13:00Speaker 5: coming in renovating houses that they would have knocked down,
- 13:03Speaker 5: and we was able to increase the equity pretty quickly.
- 13:06Speaker 4: By doing it.
- 13:07Speaker 2: So you were buying distressed properties in rich neighborhoods and
- 13:12Speaker 2: fixing them up. Same concept that you know, shout out
- 13:15Speaker 2: to Caesar and Lord of the slums and envying all
- 13:19Speaker 2: of them. That's what things in Patterson, New Jersey. It's
- 13:22Speaker 2: very popular, like you said, in poorer neighborhoods on middle
- 13:24Speaker 2: class neighborhoods, but you took that same strategy and applied
- 13:28Speaker 2: it to wealthy neighborhoods because it always there's always one
- 13:32Speaker 2: bad house in a good neighborhood.
- 13:34Speaker 4: You could the thing about real.
- 13:36Speaker 5: Estate, and my father taught me that it just continues
- 13:38Speaker 5: to keep going and going and going.
- 13:40Speaker 4: It's just about when people are enlightened. Right.
- 13:43Speaker 5: So for instance, I bought my father helped me purchase
- 13:46Speaker 5: my first property in Brooklyn, and I got it for
- 13:48Speaker 5: two hundred thousand dollars on Coprad Street in Bushwick, right.
- 13:51Speaker 5: And I saw that property maybe two years later for
- 13:54Speaker 5: like four hundred and I thought I did something like, yes,
- 13:57Speaker 5: you know, I got a home run. Guess what that
- 13:59Speaker 5: property is worth today, like one point seven one point
- 14:01Speaker 5: eight million if I would have held.
- 14:03Speaker 4: Onto it, right.
- 14:04Speaker 5: So real estate is always evolving. It's just about when
- 14:08Speaker 5: you get in the game. And when you get in early,
- 14:11Speaker 5: you know, you make out better because it continues to
- 14:13Speaker 5: go up.
- 14:14Speaker 4: So it's about when you get in.
- 14:15Speaker 5: So really the market is kind of similar, you know
- 14:18Speaker 5: now to what it was back then. In regards to opportunities.
- 14:22Speaker 3: So at the time, right, you're buying the distressed properties
- 14:25Speaker 3: in these affluent neighborhoods. How many properties did you accumulate? Like,
- 14:29Speaker 3: what's the portfolio looking like?
- 14:31Speaker 5: I had nine multimillion dollar houses that totaled about thirty
- 14:34Speaker 5: million dollars.
- 14:36Speaker 3: Big ms.
- 14:38Speaker 2: So all right, because you said that you have.
- 14:40Speaker 5: A strategy, So now look at what my strategy is.
- 14:43Speaker 5: And one of I know, Big Business was on here too.
- 14:46Speaker 5: He kind of uses the same strategy.
- 14:47Speaker 4: Right.
- 14:48Speaker 5: The strategy is, if you want to increase the value
- 14:52Speaker 5: of a neighborhood, you buy everything up in that neighborhood
- 14:56Speaker 5: in that price range, so you control the market. Right,
- 15:00Speaker 5: So my game plan was going buy everything in that's
- 15:04Speaker 5: that's low, so there's nothing low available, so if people
- 15:07Speaker 5: want to come into this neighborhood.
- 15:09Speaker 4: They gotta buy hot. Right.
- 15:11Speaker 5: So my plan was working into the Feds knocking on
- 15:13Speaker 5: my door because basically we would have controlled the market
- 15:16Speaker 5: and you couldn't get in because we own everything that
- 15:19Speaker 5: was in that particular balloy.
- 15:22Speaker 2: How many homes did did you have? And no, that
- 15:25Speaker 2: was not nine nine you had nine homes in that area.
- 15:29Speaker 4: We brought up all the properties that were in like
- 15:32Speaker 4: the two million.
- 15:33Speaker 2: Well, that's what big that's what another thing Big Business
- 15:35Speaker 2: said shot out to him when he was on the podcast.
- 15:37Speaker 2: He said that, and on his thing is that it
- 15:40Speaker 2: only takes one home to set the comp and so
- 15:45Speaker 2: but when you buy.
- 15:45Speaker 5: Up the market like you, you're guaranteeing that you did,
- 15:49Speaker 5: there is no it's gonna be no other comps that's
- 15:51Speaker 5: coming in for lower.
- 15:52Speaker 3: You are the comps, I said, you are the comps.
- 15:56Speaker 5: Yes, you are the comps, because if you only have
- 15:58Speaker 5: one comp then a bank could kind of diffuted because
- 16:00Speaker 5: you know that they go based on three appraisals. They
- 16:03Speaker 5: don't go based on one cop. They do the average
- 16:05Speaker 5: of three appraisals, right, like the average of three houses.
- 16:09Speaker 4: Right, so you want to make sure that ain't no
- 16:11Speaker 4: three houses.
- 16:12Speaker 5: They're gonna be able to find that that that that's lower.
- 16:15Speaker 2: So all right, So what was the illegal part of
- 16:19Speaker 2: this situation?
- 16:21Speaker 4: How I acquired the houses? So I took a shortcut.
- 16:24Speaker 5: I found a mortgage broker, which now people are realizing
- 16:27Speaker 5: that's the best way to purchase because when you get
- 16:30Speaker 5: a mortgage broker, they're gonna know about all the banks
- 16:33Speaker 5: and all the programs that you qualify for, so you
- 16:36Speaker 5: won't just be applying a miss right. So I had
- 16:38Speaker 5: a seasoned mortgage broker who had contacts inside a Lehman
- 16:42Speaker 5: Brothers bank, right, So they were getting things pushed through.
- 16:46Speaker 5: So at the time Lehman didn't care. Leman just wanted
- 16:49Speaker 5: to get the sale. And what happens is and at
- 16:52Speaker 5: that time the bank would actually sell.
- 16:54Speaker 4: Your paper on the market.
- 16:55Speaker 5: So before you close a deal, they already sold and
- 16:58Speaker 5: got you know, ten times whatever the number.
- 17:02Speaker 2: Is, by more more mortgage mortgage backed securities, mortgage backed securities.
- 17:07Speaker 5: Yeah, right, So they pushed through everything and they would
- 17:12Speaker 5: tell us what the fix, Oh, you messed up on
- 17:14Speaker 5: this W two, this should be this number. You messed
- 17:17Speaker 5: up on these bank statements. So we was giving them
- 17:19Speaker 5: inflated paperwork.
- 17:21Speaker 4: So that was my crime.
- 17:22Speaker 5: My crime was I have real people, real credit scores,
- 17:25Speaker 5: but I was giving them inflated papers.
- 17:27Speaker 2: Stated stated like stated, but stated income was was was
- 17:33Speaker 2: was legal stated, but you was just kind of fudging
- 17:35Speaker 2: the numbers a little bit more to.
- 17:37Speaker 4: Stated income program.
- 17:38Speaker 5: So I purchased these properties in two thousand and two,
- 17:41Speaker 5: two thousand and three.
- 17:42Speaker 4: Stated wasn't that popular?
- 17:43Speaker 5: Stated became popular around two thousand and three and two
- 17:47Speaker 5: thousand and four.
- 17:49Speaker 3: So there, Yeah, you're creating the numbers, but they're coaching
- 17:51Speaker 3: you along the way, like, yo, listen, this is what
- 17:53Speaker 3: you should have right right, coaching me.
- 17:55Speaker 5: Like we got red flags all over the place, phone
- 17:57Speaker 5: numbers not working. They like, yo, change the phone number,
- 18:00Speaker 5: fix this, do that.
- 18:01Speaker 4: That is why I had a.
- 18:02Speaker 5: Problem just sitting back taking it because I'm like, yo,
- 18:05Speaker 5: y'all was down with everything that, you know. The whole
- 18:08Speaker 5: point was saying, like, Yo, you gotta pay your mortgage payment. Store,
- 18:10Speaker 5: nobody wants to collect the foreclosure. They like, look, as
- 18:13Speaker 5: long as you pay the mortgage payments and do what
- 18:15Speaker 5: you gotta do, we good.
- 18:17Speaker 4: And that was pretty much the agreement.
- 18:18Speaker 2: So so you get you get Joe Schmoe rapper who
- 18:23Speaker 2: has money to pay the mortgage but doesn't have good credit,
- 18:28Speaker 2: might not report a lot of income, so can't really
- 18:31Speaker 2: qualify for this two million dollar home. You fudge the
- 18:33Speaker 2: paperwork to make it look official. You get them in.
- 18:37Speaker 2: That's what you did, right pretty much, It's not that bad.
- 18:42Speaker 3: I mean I seen a lot worse. I mean, shout
- 18:45Speaker 3: out to our boy. He called it the wild wild West.
- 18:49Speaker 3: So a lot of things were happening like that. I'm
- 18:50Speaker 3: and and he says, I mean the stories he's told.
- 18:54Speaker 3: A lot worse things have happened. I'm trying to figure
- 18:57Speaker 3: out why.
- 18:59Speaker 5: The bottom line, I'm y'all say this right, because it
- 19:01Speaker 5: took me a long time to be able to accept
- 19:04Speaker 5: the fact that I got a twelve and a half
- 19:07Speaker 5: year sentence, right because we ain't talk about that right
- 19:10Speaker 5: for a bank fraud, and the white male mortgage broker
- 19:13Speaker 5: who I just told you about and the lawyer who
- 19:15Speaker 5: used their licenses to push all the fraud through. Both
- 19:18Speaker 5: of those two individuals got two year sentences each. So
- 19:22Speaker 5: I got six and a half greater time sentence than
- 19:25Speaker 5: they got.
- 19:26Speaker 4: So it was hard to swallow.
- 19:28Speaker 5: Like y'all, I ain't really do much and nothing and
- 19:30Speaker 5: look at what they got. But then I had to
- 19:32Speaker 5: realize I took a short cut.
- 19:35Speaker 4: I cheated, right. So because I cheated and I built this.
- 19:39Speaker 5: Great, big, beautiful castle full of sand, right when the
- 19:43Speaker 5: storm came, it was able to ruin my castle, right,
- 19:47Speaker 5: So it had to make me change my mindset to
- 19:50Speaker 5: realize shortcuts.
- 19:52Speaker 4: Really most of the time of the long wrong route.
- 19:55Speaker 5: So today like I operate differently. I'm not willing because
- 19:58Speaker 5: I know if we you jammed up, I'll jam up
- 20:01Speaker 5: as black and brown folks is completely different than they
- 20:04Speaker 5: jam up. So it really makes sense to take your
- 20:07Speaker 5: time and build your house on part.
- 20:09Speaker 2: Let me ask you this. Let's get back to this
- 20:11Speaker 2: Lehman Brothers situation, because this is something that's very interesting
- 20:14Speaker 2: to me people that's not familiar. Lehman Brothers was one
- 20:16Speaker 2: of the largest investment banks on Wall Street, was around
- 20:19Speaker 2: four hundred years billion dollar bank, and it went belly
- 20:22Speaker 2: up during a financial crisis. They made movies about this.
- 20:25Speaker 2: It was a real big thing. Lemon Brothers was a real,
- 20:27Speaker 2: extremely big thing. And one of the reasons that they
- 20:29Speaker 2: went belly up is because mortgage backed securities and they
- 20:34Speaker 2: had a bunch of mortgages on their books that shouldn't
- 20:37Speaker 2: have been on their books, and they were doing all
- 20:38Speaker 2: kinds of stuff. So how was your how Like I'm
- 20:44Speaker 2: looking at this from like a drug game perspective. Lehman
- 20:46Speaker 2: Brothers was like the Cali cartel or like the Medaine cartel.
- 20:50Speaker 2: Like they was big up on the hill. So how
- 20:53Speaker 2: you coming off the street? Like, who was you? How
- 20:56Speaker 2: did you get to connect in Lehman Brothers and like
- 20:58Speaker 2: how high up? Like how did that work? Can you
- 21:01Speaker 2: explain to Leman brother situation mortgage?
- 21:03Speaker 4: It was my mortgage broker.
- 21:04Speaker 5: So again you know your mortgage broker is gonna be connected.
- 21:07Speaker 5: My guy was in the game for over fifteen years, right,
- 21:10Speaker 5: so you know they go from one company to another company,
- 21:13Speaker 5: they know all the executives.
- 21:15Speaker 4: Right.
- 21:15Speaker 5: So my connect, the connect I had, was very high up,
- 21:19Speaker 5: and he was dealing with high up executives.
- 21:21Speaker 4: So for instance, it was easier for me to close.
- 21:25Speaker 5: On three and four million dollar loans then it was
- 21:30Speaker 5: for me to get a Honda accord.
- 21:32Speaker 4: Okay, when I was in the car.
- 21:33Speaker 5: Game, it was literally we produced the paperwork and two
- 21:36Speaker 5: three days later we closing off four or five million
- 21:39Speaker 5: dollar houses like this, no questions asked, Right, So people
- 21:43Speaker 5: think it's like really difficult to get more.
- 21:46Speaker 4: I feel like it's easier to get more than less.
- 21:50Speaker 2: So the mortgage broker was the connect to Lean.
- 21:53Speaker 4: He was the connect. This was his peoples.
- 21:58Speaker 2: It's interesting, so at what point does this start to
- 22:03Speaker 2: go back? I sew another interview when you said, like
- 22:05Speaker 2: you had a lot of like exotic cars and like
- 22:08Speaker 2: was that a red flag? Like when when they see
- 22:10Speaker 2: rappers moving in the neighborhood and everybody else that lives
- 22:13Speaker 2: in the neighborhood is a doctor or you know, a
- 22:16Speaker 2: CEO of a company and they you know, at what
- 22:20Speaker 2: point did that become like, Okay, what's going on here?
- 22:25Speaker 2: I need to call one hundred crime stoppers.
- 22:28Speaker 4: Like the neighbors.
- 22:29Speaker 5: Actually were kind of infatuated by us, like we were cool,
- 22:32Speaker 5: you know, So to think about me is I already
- 22:35Speaker 5: been ritching my mom. I just needed a couple of
- 22:37Speaker 5: dollars to go with my mind set. You feel me,
- 22:40Speaker 5: need a bag?
- 22:41Speaker 4: I was taking it straight to the top. So we
- 22:43Speaker 4: had the match in Bentley's.
- 22:45Speaker 5: You know, we had like my partner had all burgundy cars.
- 22:50Speaker 5: I had all white cars. At the time, this free
- 22:53Speaker 5: well spinning Rims was out. We had s free Wells
- 22:55Speaker 5: on everything. You know, I had the shades on. I
- 22:58Speaker 5: was going through the neighborhood. Just couldn't tell me nothing.
- 23:01Speaker 4: You just for me. I made it you feel me,
- 23:05Speaker 4: And that was like.
- 23:06Speaker 5: I guess, the ghetto fabulous way of showing people you arrived.
- 23:09Speaker 5: But I did it for a couple of reasons. Now
- 23:11Speaker 5: I'm also a business woman.
- 23:13Speaker 4: Right.
- 23:13Speaker 5: So at the end of the day, I know our
- 23:16Speaker 5: people are attracted to flashy things. Right, So if I
- 23:19Speaker 5: pull up and I'm talking that big talking, I'm trying
- 23:21Speaker 5: to get a big sell.
- 23:22Speaker 4: But my you know what I'm saying, my costume and
- 23:25Speaker 4: I'm gonna call it the costume. Right. Yeah, if to
- 23:27Speaker 4: pull up costume meaning to.
- 23:28Speaker 5: Watch you, you got on you know what I mean,
- 23:31Speaker 5: the car you riding in and you're getting tight, they're
- 23:34Speaker 5: not trying.
- 23:35Speaker 4: To talk to you.
- 23:35Speaker 5: So I have was flashy purposely because that flash attracted
- 23:40Speaker 5: the ball players, it attracted the rapters, it attracted the celebrities,
- 23:44Speaker 5: and people wanted to know who I was and they
- 23:46Speaker 5: wanted to talk to me. And by me having those conversations,
- 23:50Speaker 5: once I got through the door, I would pull them
- 23:52Speaker 5: all in.
- 23:52Speaker 4: And that was all she did.
- 23:54Speaker 3: At what point did you start to feel the walls
- 23:56Speaker 3: closed in or did it happen like all of a
- 23:58Speaker 3: sudden it was like, damn, you got this. It was
- 24:00Speaker 3: like they just knocked at your door and it's like,
- 24:02Speaker 3: oh shit, this is over.
- 24:03Speaker 5: There were no warnings, right, Nobody told me, like, nobody
- 24:07Speaker 5: prepared me for this part of the game.
- 24:09Speaker 4: Right, because in my head. I finally arrived.
- 24:12Speaker 5: So now I'm associating with the ball players and their wives.
- 24:15Speaker 5: I became a little bit boogie.
- 24:17Speaker 4: I changed, you know, my little tone, you know, moving
- 24:20Speaker 4: a long life. My kids are enrolled and all the schools.
- 24:24Speaker 4: I'm not thinking that the f boys is coming to
- 24:27Speaker 4: the door.
- 24:27Speaker 5: You feel me, So one day they and I'll never
- 24:31Speaker 5: forget it. It was April the third, two thousand and three.
- 24:35Speaker 5: There was a fraud alert issue. So this FBI agent
- 24:39Speaker 5: had a fraud alert issue throughout the financial service industry
- 24:43Speaker 5: that blasted out that the following people are underneath federal investigation.
- 24:48Speaker 5: If you get any loans from these people, you see them,
- 24:51Speaker 5: do any business, contact my office immediately.
- 24:54Speaker 4: That was the end of my whole life as I
- 24:56Speaker 4: knew it.
- 24:57Speaker 2: In real estate, and you were on the list. You
- 24:59Speaker 2: were on that list. You were on that list.
- 25:02Speaker 3: Somebody So wait, somebody called in.
- 25:06Speaker 2: No, the FBI, So they was kid, They were just on.
- 25:09Speaker 2: They were just on to you the whole time.
- 25:11Speaker 4: No, they really.
- 25:12Speaker 5: Wasn't on to us. The mortgage broker and this is
- 25:14Speaker 5: the stuff that really makes me sick. So the mortgage
- 25:17Speaker 5: broker that got the two years he was doing all
- 25:19Speaker 5: kinds of frivolous stuff that I didn't know about.
- 25:22Speaker 4: Right, So he was being.
- 25:23Speaker 5: Investigated for some other frauds that he was doing. So
- 25:26Speaker 5: when they stumbled upon him, right and I guess they
- 25:29Speaker 5: caught us on the wyat taps and started seeing a lifestyle,
- 25:32Speaker 5: it attracted. It kind of merged our worlds don't want
- 25:36Speaker 5: to investigate us, but here goes to deal.
- 25:39Speaker 4: When we first got.
- 25:40Speaker 5: Under investigation, they thought I was a drug dealer.
- 25:43Speaker 4: They didn't know what I was doing.
- 25:44Speaker 5: They just seen the cars all the crazy and they
- 25:47Speaker 5: felt like it was something wrong.
- 25:49Speaker 4: So they was fishing at first.
- 25:50Speaker 5: The investigation started with them just trying to see exactly
- 25:54Speaker 5: what I was into, who I was dealing with, Because
- 25:57Speaker 5: now remind you, I went from the street hustlers, So
- 26:00Speaker 5: I started with helping street hustlers get cars. So all
- 26:03Speaker 5: of the names that ring bells in the street, I
- 26:06Speaker 5: was the person that they went to to get their cars.
- 26:08Speaker 5: I went from street hustlers to celebrities to ballplayers, so
- 26:12Speaker 5: I had those realm of people around me at any
- 26:15Speaker 5: given time.
- 26:15Speaker 4: So when they seeing me, they like, is she a
- 26:17Speaker 4: drug dealer? Is she you know? Is she really with
- 26:20Speaker 4: a ball? Like who is she. So I think that
- 26:22Speaker 4: they saw me, they saw my lifestyle.
- 26:25Speaker 5: I had maybox, I had drivers, I had houses on
- 26:27Speaker 5: the hill, and I was.
- 26:28Speaker 4: Mind you, twenty five years old.
- 26:30Speaker 5: So they looking at me and they know it's something
- 26:33Speaker 5: that is not right, but they didn't know exactly what
- 26:35Speaker 5: was going on.
- 26:36Speaker 4: And as they did their investigation.
- 26:37Speaker 5: And let me be caring, guys, anytime you're under federal investigation,
- 26:42Speaker 5: I don't really care if you're not doing anything wrong,
- 26:45Speaker 5: they're gonna find something.
- 26:46Speaker 4: Whether it be one wrong check on the tax box.
- 26:49Speaker 5: Like when they look and they keep digging and digging
- 26:52Speaker 5: and fishing, if there's anything wrong, they're gonna find.
- 26:55Speaker 4: Yeah.
- 26:55Speaker 3: So like they freezing the accounts everything, what's happening during
- 26:58Speaker 3: that time?
- 26:59Speaker 5: So at that was first and then I woke up
- 27:02Speaker 5: maybe two weeks later and all my money was frozen.
- 27:05Speaker 5: So it was just, you know, I thought I would
- 27:07Speaker 5: be able to get past this, even with the FBI
- 27:09Speaker 5: fraud alert. I hired an attorney, gave him one hundred
- 27:12Speaker 5: thousand dollars retainer. I'm like, all right, I'm gonna put
- 27:15Speaker 5: my bread on you and you're gonna leave me alone.
- 27:18Speaker 5: But that's not the case. Like once you get these
- 27:20Speaker 5: f boys. It's not like the state, Like these dudes
- 27:23Speaker 5: come with an insatiable appetite.
- 27:26Speaker 4: You feel me so like.
- 27:27Speaker 5: Despite the money that I threw after kind of like
- 27:30Speaker 5: trying to get it all fixed, and despite the fact.
- 27:32Speaker 5: Now let's talk about the fact I had twenty eight
- 27:35Speaker 5: million dollars worth of loans that needed to be fixed,
- 27:38Speaker 5: right like, meaning that had to be paid off. I
- 27:40Speaker 5: got the money to the US Attorney's office twice, and
- 27:43Speaker 5: the FED shut it down because what happens in the
- 27:47Speaker 5: FEDS is if there's no loss, there's no time, right
- 27:51Speaker 5: So you can only do time when it comes to
- 27:54Speaker 5: white collar crimes based on the amount of loss. So
- 27:58Speaker 5: they strategically wanted me to have a big loss so
- 28:02Speaker 5: that I could do big time.
- 28:03Speaker 2: So you said that you got the money to them twice,
- 28:05Speaker 2: What does that mean?
- 28:07Speaker 5: That means I had other investors, So let's talk about it.
- 28:09Speaker 5: I purchased these properties in two thousand and two, before
- 28:13Speaker 5: the biggest real estate booster in recent history or boom
- 28:17Speaker 5: in recent history, for seventeen million. I put another three
- 28:20Speaker 5: million dollars in the properties to renovate them, so I
- 28:23Speaker 5: was in them for twenty million. Now mind you, I
- 28:26Speaker 5: got you know, short sales. I got people that were
- 28:29Speaker 5: divorced off fire sale homes, right, so really negotiated them right.
- 28:33Speaker 5: And then the real estate boom happened. So my properties
- 28:36Speaker 5: were worth over thirty million in less than.
- 28:38Speaker 4: A couple of years.
- 28:40Speaker 5: Right, So I had investors, right because my investigation didn't
- 28:44Speaker 5: start happening in two two thousand and three. So I
- 28:46Speaker 5: had investors at that time who were willing to purchase
- 28:50Speaker 5: the properties from me and still make a profit, right,
- 28:54Speaker 5: And that would have cleared the debt. And guess what
- 28:56Speaker 5: I would have been scott free. I would have never
- 28:58Speaker 5: did a day in prison because no laws, no lass.
- 29:02Speaker 2: Who like investors like in the music business, investors.
- 29:06Speaker 5: Like I got savvy in real estate, right, so you know,
- 29:09Speaker 5: I started finding hard money lenders.
- 29:11Speaker 4: People who were you know, real investors.
- 29:13Speaker 5: So like when you start moving in them realms and
- 29:16Speaker 5: you start having access to those type of properties and things,
- 29:19Speaker 5: you start meeting a different kind of people. So I
- 29:21Speaker 5: started meeting investment bankers with private investment groups I brought in.
- 29:25Speaker 4: I had hard money lenders.
- 29:26Speaker 5: I had all kinds of folks who were willing to,
- 29:29Speaker 5: you know, basically bail me out.
- 29:31Speaker 4: And crazy wouldn't let it happen.
- 29:32Speaker 3: The craziest part about the story, this is like a
- 29:34Speaker 3: legendary story, is like I didn't know what a hard
- 29:36Speaker 3: money lend it was till last year. And you've been
- 29:39Speaker 3: doing this for fifteen twenty years already. That's crazy.
- 29:43Speaker 2: So s all right. So you have these properties you
- 29:45Speaker 2: brought for seventeen million, put three twenty, but then it
- 29:49Speaker 2: just sticky rockets because the real estate market goes crazy.
- 29:52Speaker 2: Then the twenty million dollars the properties turns like thirty
- 29:55Speaker 2: eight million in property value. So the investors was gonna
- 29:59Speaker 2: come with twenty something million to pay off the loans
- 30:03Speaker 2: that you have outstanding on the properties. But they're gonna
- 30:06Speaker 2: pay twenty five million, let's say, for almost forty million
- 30:09Speaker 2: dollars in real estate. So they're still going to make
- 30:11Speaker 2: a profit on it. But the government would and let
- 30:15Speaker 2: them pay for the properties.
- 30:18Speaker 4: Let me tell you what. Let's talk about it, talk
- 30:21Speaker 4: about it.
- 30:22Speaker 2: Let's talk about Chris Christie. So let's before you even
- 30:26Speaker 2: say that. So Chris Christy, for people that might not
- 30:28Speaker 2: know who he is, Chris Christie was the former governor
- 30:32Speaker 2: of New Jersey. He also ran for president and he
- 30:36Speaker 2: was also thought he was going to be the vice president.
- 30:39Speaker 2: I think he thought he was going to be Donald
- 30:41Speaker 2: Trump's vice president. No, no, no, district.
- 30:47Speaker 3: Yeah, first secretary of state or something.
- 30:49Speaker 2: What's what's the top lawyer in the country call the
- 30:53Speaker 2: defense attorney. No, it's the top it's the top lawyer. Anyway,
- 30:57Speaker 2: he thought he was going to get that position. But
- 30:59Speaker 2: Chris Christie, he's the very high ranking Republican for a
- 31:02Speaker 2: long period of time. But before all of that, he
- 31:04Speaker 2: was a prosecutor in the state of New Jersey. So
- 31:07Speaker 2: all right, so talk about all right.
- 31:10Speaker 4: Day when I got the twelve and a half years
- 31:12Speaker 4: and they got the two, he said justice has been
- 31:15Speaker 4: served in America. That Chris Christie.
- 31:18Speaker 2: Yeah, so all right, So Chris Christie, so how does
- 31:20Speaker 2: he come into play in this whole saga?
- 31:24Speaker 4: So he's my us attorney.
- 31:26Speaker 5: And what I didn't know, Man, I got caught in
- 31:30Speaker 5: the the.
- 31:32Speaker 4: Good Boy's Club battle.
- 31:35Speaker 5: So the attorney that I'm giving one hundred thousand dollars too, Right,
- 31:38Speaker 5: nobody's explaining to me, like all of these people as friends, right,
- 31:43Speaker 5: So these are they in the good Boy's Club?
- 31:46Speaker 2: Your lawyer and the district lawyer, My lawyer.
- 31:48Speaker 5: The people I'm hiring to defend me, they down with
- 31:51Speaker 5: the mix. Usually it's supposed to work out for you
- 31:55Speaker 5: because they can negotiate.
- 31:57Speaker 4: A good deal.
- 31:57Speaker 5: But in my instance, when they saw the equity and
- 32:00Speaker 5: the properties, they.
- 32:02Speaker 4: Turned against me. So now watched it. I told you
- 32:05Speaker 4: what the properties will work.
- 32:06Speaker 5: I told you I paid seventeen put in three, so
- 32:09Speaker 5: I was in them for twenty right. And I told
- 32:12Speaker 5: you because of the rise they were worth at least
- 32:15Speaker 5: thirty five, could have been tipping more right, could have
- 32:18Speaker 5: been closer to the forty end. Guess what they allowed
- 32:21Speaker 5: The US Attorney's Office allowed Lehman Brothers attorneys to do
- 32:26Speaker 5: to sell the properties to a subsidiary of themselves to
- 32:29Speaker 5: take them back forcibly so they're not in foreclosure.
- 32:33Speaker 4: The properties never went through foreclosure.
- 32:35Speaker 5: Right the help of the US Attorney, they got the
- 32:39Speaker 5: properties back, sold the properties to a subsidiary of themselves
- 32:43Speaker 5: for one dollar right, and then offered them for a
- 32:47Speaker 5: twelve million dollar discount.
- 32:49Speaker 3: Right, So basically all nine properties for a dollar.
- 32:52Speaker 4: Yep.
- 32:53Speaker 5: They ended up getting the properties for like thirteen million
- 32:56Speaker 5: dollars or something like that.
- 32:58Speaker 4: Wow, And then within day they sold.
- 33:00Speaker 5: Them to all their friends and made millions of dollars.
- 33:03Speaker 5: Why didn't jail time for the difference?
- 33:05Speaker 2: So, because I was going to ask you about refying
- 33:07Speaker 2: if you could rEFInd So what happens? All right? So
- 33:10Speaker 2: if you have a property, you own the house, and
- 33:12Speaker 2: they say that you got it illegally, Like, how does
- 33:15Speaker 2: that work? They could just take it away it just
- 33:16Speaker 2: take it.
- 33:17Speaker 4: Well.
- 33:18Speaker 5: Now, one of the twists to this that I definitely
- 33:20Speaker 5: need to say that I did that was illegal was
- 33:23Speaker 5: we had what you call ernerds.
- 33:25Speaker 3: What's up? You ever walk into a small business and
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- 34:33Speaker 3: This episode is brought to you by P and C Bank.
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- 36:12Speaker 1: is all you need with straw bias.
- 36:15Speaker 4: Right, So, a straw.
- 36:17Speaker 5: Buyer is a person who's not really going to be
- 36:19Speaker 5: have a vested interest in the property, but you paid
- 36:22Speaker 5: them for their credit and you paid them for the
- 36:24Speaker 5: credentials to get the property. Right, So the FED is
- 36:28Speaker 5: put the pressure on those individuals right to sign the
- 36:31Speaker 5: property back over to the bank that's how they got
- 36:34Speaker 5: it done without a foreclosure.
- 36:36Speaker 3: Oh so to they say, you throw some money to
- 36:38Speaker 3: the straw buyers and like, listen, we're gonna take this
- 36:39Speaker 3: wen they're gonna wresh you or like you're on the
- 36:43Speaker 3: jail if okay, okay, pressure, Like listen, you.
- 36:46Speaker 4: Know you're gonna go to jail for a very long time.
- 36:48Speaker 4: And if you don't sign this paper, Oh where do
- 36:50Speaker 4: I sign? Take it? I justo please. It was one
- 36:53Speaker 4: of those kind of things.
- 36:54Speaker 5: So they got the properties back that way, and then
- 36:57Speaker 5: they wouldn't allow us to bring our investors in, they
- 36:59Speaker 5: wouldn't allow themselves to be whole. They sold them to
- 37:01Speaker 5: their friends and within days. So it's a crime within
- 37:04Speaker 5: the crime. So this is a lot of times people
- 37:06Speaker 5: don't see this. It's even when they sees money and
- 37:09Speaker 5: things from drug dealers before it ever gets to an
- 37:12Speaker 5: auction block that the general people are ever going to see.
- 37:15Speaker 5: There's a back office deal that goes down somewhere where
- 37:18Speaker 5: somebody's getting stuff that they don't really are not entitled to,
- 37:21Speaker 5: are not so roles to have.
- 37:23Speaker 4: And that's what happened to me. I was their porn.
- 37:25Speaker 2: That's like the I read the book, and I saw
- 37:28Speaker 2: the movie about Rick Ross Free Freeway, Ricky Ross, what's
- 37:35Speaker 2: the name of the movie. I can't forget. I can
- 37:37Speaker 2: forget everything right now. But it was this guy that
- 37:40Speaker 2: he was a whistleblower. He was the original whistleblower on
- 37:42Speaker 2: the whole situation. And he's told about the government and
- 37:47Speaker 2: the contrast in Nicaragua and how they was funding the
- 37:50Speaker 2: drugs and all of that stuff. And so part of
- 37:52Speaker 2: that story is that how this story came about, So
- 37:55Speaker 2: how this whole how that whole thing came about, was
- 37:58Speaker 2: that there was a drug dealer in California, Someway in California,
- 38:04Speaker 2: and his wife reached out to the reporter saying, like,
- 38:07Speaker 2: the government's taking our home. Da dada da. So when
- 38:10Speaker 2: he looked into it, he realized that it was a
- 38:13Speaker 2: whole play. It was like a hundred homes that the
- 38:16Speaker 2: government had took from drug dealers. So now he realized
- 38:20Speaker 2: it was like a whole plot. That's why I actually like,
- 38:22Speaker 2: is illegal for them to do that. It was a
- 38:23Speaker 2: whole plot to It was a whole plot and plan.
- 38:27Speaker 5: And that's why they had to bury me, right because
- 38:29Speaker 5: I was too outspoken. Had I just let them take
- 38:32Speaker 5: it and make their money. I really feel like I
- 38:34Speaker 5: probably would have been good. It would have been like, listen,
- 38:36Speaker 5: you know, I was the person that was adamant about
- 38:39Speaker 5: paying it back, adamant about getting the deal closed, because
- 38:42Speaker 5: I realized what kind of time exposure I had.
- 38:45Speaker 4: Right So, because they seen me.
- 38:47Speaker 5: So active, they like, yo, we got to sit her
- 38:49Speaker 5: down and shut her up because she's going to be
- 38:51Speaker 5: a pop. So the whole point was, let's make sure
- 38:54Speaker 5: she gets this twelve and a half year sentus. And
- 38:56Speaker 5: I feel like my judge was also involved in some
- 38:58Speaker 5: of that because they all the godson.
- 39:01Speaker 4: Of the godfathers, like.
- 39:03Speaker 5: Everybody's connected in this multiple family that I didn't know.
- 39:07Speaker 5: And I didn't discover that until I went to prison
- 39:09Speaker 5: and started actually doing.
- 39:10Speaker 4: Backfinding, and I'm like, y'all, this is scary.
- 39:13Speaker 5: That's just like y'all y'all homies, and I don't really
- 39:16Speaker 5: know y'all homies. But then I'm trying to fight against
- 39:18Speaker 5: y'all y'all really in the back room, gonna be like, listen, this.
- 39:20Speaker 4: Is what we're gonna do.
- 39:21Speaker 5: It's usually a made up mind before you even stepped
- 39:24Speaker 5: in the courtroom. Because deals happened on the golf course
- 39:28Speaker 5: or at you know, at the baby's birthday party.
- 39:32Speaker 3: That's a fact.
- 39:33Speaker 2: Attorney general, that's the name. That's what I was thinking about.
- 39:35Speaker 2: That that's the highest you said that, that's the highest
- 39:39Speaker 2: lawyer in the country. That's what Chris Christy was trying
- 39:41Speaker 2: to become the attorney general.
- 39:43Speaker 3: So he got caught up in the scandal. He was
- 39:45Speaker 3: going to be vice president and they had the Bridgegate scandal,
- 39:47Speaker 3: and so he's like, yeah, we gotta put you to
- 39:49Speaker 3: the side a little bit, and they were trying to
- 39:50Speaker 3: give him that job.
- 39:51Speaker 2: Yeah, so you said, the judge told you, why didn't
- 39:57Speaker 2: you stick to Newark or East Orange somebody that?
- 40:01Speaker 5: Yeah, he said, why did you know? He congratulated me,
- 40:05Speaker 5: told me how smart I was and wonderful. So I'm
- 40:07Speaker 5: thinking he about to like give me a nice light
- 40:09Speaker 5: sentence to let me go. He said, however, why didn't
- 40:13Speaker 5: you stick to buying properties in East Orange and Newark?
- 40:15Speaker 4: In areas where basically where you belong? You know, so
- 40:19Speaker 4: made it clear that I didn't belong.
- 40:22Speaker 5: You know, in the good white boys club, like you
- 40:25Speaker 5: entered into a society that you didn't belong. So, unfortunately,
- 40:29Speaker 5: you're gonna have to pay the price, and the price
- 40:31Speaker 5: was a twelve and a.
- 40:31Speaker 4: Half year sentence.
- 40:32Speaker 2: Yeah, that's amazing now he said that, I mean not amazing.
- 40:35Speaker 3: He was thinking, that's what I'm saying. It's all documented.
- 40:37Speaker 2: It's like, what does that have to do with anything?
- 40:39Speaker 2: Like does it make it better if you would have
- 40:41Speaker 2: done it in East Orange or Newark as opposed to
- 40:45Speaker 2: where you did it at Like it's still it would
- 40:47Speaker 2: be a crime no matter way you do it. So
- 40:49Speaker 2: I don't understand, like the logic behind you should have
- 40:51Speaker 2: done it in those neighborhoods. So you get twelve twelve
- 40:55Speaker 2: years in jail, Well, twelve years sentence, nine years in jail,
- 41:00Speaker 2: you said you that was like more time than anybody
- 41:03Speaker 2: in the Financial Crier. Come on, yeh by, like Forbes did.
- 41:07Speaker 5: The article about me, because they're like, yo, how did
- 41:09Speaker 5: you get Like nobody understood it just didn't.
- 41:11Speaker 4: Make any sense.
- 41:12Speaker 5: But now let's talk about the part of what does
- 41:16Speaker 5: make sense. Right, So it wasn't about what they was
- 41:18Speaker 5: trying to do to me. It was really about what
- 41:20Speaker 5: God was trying to do to me. Right, So for me,
- 41:23Speaker 5: I told you I was that fourteen year little old
- 41:25Speaker 5: girl who gave her soul to this boy never healed.
- 41:29Speaker 4: Was using all these material things.
- 41:31Speaker 5: To hide my insecurities, my self esteem issues, and really
- 41:35Speaker 5: just was phased with things that don't really count.
- 41:38Speaker 4: So it wasn't until the judge bang.
- 41:40Speaker 5: The gavit that I realized if it was my very
- 41:42Speaker 5: last day on this earth, my maker wouldn't say job
- 41:45Speaker 5: well done.
- 41:46Speaker 4: I was helping all kinds of people, but not really
- 41:48Speaker 4: doing the work that I was creating to do.
- 41:50Speaker 5: So I really feel like prison for me was the
- 41:53Speaker 5: place that transformed me. It changed my mindset, and it
- 41:56Speaker 5: got my mental right. It helped me to see what's
- 41:58Speaker 5: worth it and what's not a lot of people will
- 42:00Speaker 5: work all they life to get all these things and
- 42:03Speaker 5: to do all this stuff to die the next day.
- 42:05Speaker 4: That's not worth it.
- 42:06Speaker 5: You know, if you're gonna die, you want to have memories,
- 42:08Speaker 5: you want to have family support, you want to be
- 42:10Speaker 5: around loved ones. And truthfully, all those people who I
- 42:13Speaker 5: thought loved me and who I would have gave my
- 42:15Speaker 5: life for left me behind. And when I saw that,
- 42:18Speaker 5: I'm like, Yo, this is not what I want to do.
- 42:21Speaker 5: I need to make a shift and I need to
- 42:23Speaker 5: live life on purpose. What's the thing that I do
- 42:26Speaker 5: effortlessly that God created me to do. What's that thing
- 42:29Speaker 5: that's going to be bring glory? What's that thing that's
- 42:31Speaker 5: going to leave a legacy for.
- 42:33Speaker 4: My children and my children's children. And I started tapping
- 42:36Speaker 4: into that mindset which ultimately changed my life and shifted
- 42:40Speaker 4: me for what I'm living in now.
- 42:42Speaker 2: So you learn a life that you could write a
- 42:44Speaker 2: book on. You started off literally with the street hostlers,
- 42:49Speaker 2: e money bags and the likes you. Then you was rappers.
- 42:53Speaker 2: Then he was in Jersey with Bentley's and Mansion as
- 42:56Speaker 2: a bad boy video kid Lehman brother and he was
- 42:59Speaker 2: part of the whole lemon of this situation. Then Chris Christie,
- 43:04Speaker 2: is she your prosecutor? Then you go to jail for
- 43:07Speaker 2: a crazy amount of time, and then in jail you
- 43:10Speaker 2: happen to be friend one of the greatest artists ever,
- 43:14Speaker 2: Lauren Hill, Like how does that happen?
- 43:18Speaker 3: This is a movie, like how my life.
- 43:20Speaker 4: Is set up? Like you can't make it up. But
- 43:23Speaker 4: Lauren was sentenced to ninety days for tax evasion and
- 43:27Speaker 4: when she came in, I was like high up in
- 43:30Speaker 4: the jail.
- 43:30Speaker 5: I was the prison clerk, So I had the kind
- 43:33Speaker 5: of like the highest position you could have as an emmy,
- 43:35Speaker 5: you know, in regards to movement, because for me, it
- 43:38Speaker 5: was about power. How am I gonna live good? To
- 43:40Speaker 5: live good, you're gonna have.
- 43:41Speaker 4: To have power. So let me get this power real
- 43:43Speaker 4: good quick so I could live good.
- 43:45Speaker 5: So the lady that ran the prison at the time,
- 43:49Speaker 5: she did the intake of Lauren, and she put Lauren
- 43:52Speaker 5: with me. So Lauren came to me like recommended by
- 43:55Speaker 5: how like yo mother got you, she gonna take care
- 43:57Speaker 5: of you.
- 43:57Speaker 4: And that's what I did.
- 43:58Speaker 5: So I made sure she was good, and we just
- 44:00Speaker 5: developed this really tight bond and you know, till this day,
- 44:04Speaker 5: you know, that's still my girl.
- 44:05Speaker 3: So that's one of my favorite artists of all time.
- 44:08Speaker 3: But you also, you know, you and increase your entrepreneurs
- 44:12Speaker 3: spirit inside of prison, right. So a lot of people
- 44:16Speaker 3: when they go there, they say that they got to
- 44:17Speaker 3: get their mindset right and get their mindset and a
- 44:19Speaker 3: lot of them do. But you took the time to
- 44:21Speaker 3: start writing. Did you have an aspiration to write before then?
- 44:25Speaker 4: Or I didn't even know I could write?
- 44:26Speaker 5: So it was like in that place, I started writing
- 44:29Speaker 5: and my mother hired me an editor and then I
- 44:31Speaker 5: started publishing books from behind bars. So I created the
- 44:34Speaker 5: Voices of Consequences and Enrichment series for incarcerated women, and
- 44:38Speaker 5: that's a self help series to help incarcerated women heal,
- 44:41Speaker 5: recognize their potential, and recapture their dreams. So I did
- 44:45Speaker 5: that as a prisoner, and literally my books was in
- 44:47Speaker 5: prisons across the world.
- 44:49Speaker 3: While you're in prison, I said, So I would get
- 44:53Speaker 3: fan mail from other prisoners like, yo, your book changed
- 44:56Speaker 3: my life, blah blah blah blah blah blah.
- 44:58Speaker 5: And that gave me hope. That's one of the greatest
- 45:00Speaker 5: gifts my mother could have gave me, because I realized,
- 45:03Speaker 5: you know what, if I can have that kind of
- 45:05Speaker 5: impact inside of prison, baby, when I get out, let
- 45:09Speaker 5: me tell you what I'm gonna do.
- 45:10Speaker 4: So that was my mindset.
- 45:11Speaker 5: So that kind of you know, boosted my confidence, and
- 45:14Speaker 5: I started writing. I started a nonprofit organization from bahind bars.
- 45:19Speaker 5: I got several degrees, I got my associates, my bachelor's,
- 45:22Speaker 5: my masters, and I started working on my PhD.
- 45:25Speaker 4: From behind bars, and I started empowering other women. So
- 45:28Speaker 4: I created a movement.
- 45:30Speaker 3: You know, that's a I mean, we got people right
- 45:32Speaker 3: Now that's to figure out how to publish a book.
- 45:34Speaker 3: How did you manage to do that in prison?
- 45:36Speaker 4: Reading? Right?
- 45:38Speaker 5: So Damnpointer that that's a if you're looking at self published,
- 45:42Speaker 5: that's the best guy.
- 45:43Speaker 4: I got the damn Pointers a guide to self publishing.
- 45:46Speaker 4: I read it from front cover to back cover, took out.
- 45:49Speaker 5: My highlight, I highlighted all the parts, and then I
- 45:52Speaker 5: kind of instructed my mother on what to do. I'm like,
- 45:54Speaker 5: all right, Mom, this.
- 45:55Speaker 4: Is what we gotta do.
- 45:56Speaker 5: We gotta get an ISBN number, now, we gotta get
- 45:59Speaker 5: the copy right Like, I followed the book.
- 46:00Speaker 4: From step by step and I end up publishing my
- 46:03Speaker 4: first book like that.
- 46:04Speaker 2: Yeah, shout out to ask Cash. I don't know if
- 46:06Speaker 2: you ever heard of him, but he's dope too. He
- 46:07Speaker 2: came on our podcast and he got a really dope
- 46:10Speaker 2: course to teach people how to publish as well. So
- 46:12Speaker 2: one thing about the criminal justice system, because we've had
- 46:15Speaker 2: a lot of people on our podcasts that have been incarcerated.
- 46:17Speaker 2: Wall Street Trapper, he's a real big guy on stock market.
- 46:21Speaker 2: He's huge on the internet right now. Caesar, which is
- 46:24Speaker 2: dj mv's partner, my son, thanks for facilitating that for us.
- 46:29Speaker 2: Derek Falcon one of our favorite interviews of all time,
- 46:32Speaker 2: the long list of entrepreneurs that have been incarcerated, but
- 46:35Speaker 2: they've all been men. You're the first female that we've
- 46:38Speaker 2: ever had that's been incarcerated. But the thing about jail
- 46:42Speaker 2: that people might not understand is that there's different types
- 46:44Speaker 2: of jails. So there's state penitentiaries. These are like irregular crimes,
- 46:51Speaker 2: like you rob somebody, stab somebody, you kill somebody, you
- 46:55Speaker 2: go to the state jail. For the most part, you
- 46:57Speaker 2: go to state jail. But then a little more or
- 47:00Speaker 2: like sophisticated crimes off it's like crossing state lines. Like
- 47:03Speaker 2: big drug cases you go to federal that's defense. White
- 47:08Speaker 2: colored crawler crimes you go to fess too. So in
- 47:10Speaker 2: the fedes, there's different types of fedes jails. I've learned,
- 47:14Speaker 2: So you got, you got. Unfortunately, I have a lot
- 47:19Speaker 2: of you know, you know, I know a lot of
- 47:21Speaker 2: people that have been incarcerated. So you know, if you
- 47:25Speaker 2: do a violent federal crime, there's like high level maximum security.
- 47:30Speaker 2: But if you do white, white collar crimes that they
- 47:32Speaker 2: call it, or low level of fence, then you go
- 47:35Speaker 2: to So I was reading this book, The Wolf of
- 47:38Speaker 2: Wall streets book, and he was saying, you know, when
- 47:42Speaker 2: he first got arrested, and he it was like he
- 47:46Speaker 2: thought he was going to go to jail, like how
- 47:49Speaker 2: you see you on television where it's like, you know,
- 47:53Speaker 2: it's bad, Like you know what I'm saying, Like he
- 47:54Speaker 2: was like scared, and he was like when he got there,
- 47:57Speaker 2: his his his cellmate was they got from Chichi jong
- 48:01Speaker 2: and they was playing tennis, and he was like it
- 48:04Speaker 2: was crazy. So he was like it was actually a
- 48:06Speaker 2: great networking situation for him. It's like not to glorize it,
- 48:10Speaker 2: but it was like he was like, yo, it's actually
- 48:11Speaker 2: like really pretty powerful. And it's like especially like sometimes
- 48:15Speaker 2: you got to make the best out of bad situations.
- 48:17Speaker 2: So especially like in the camps. That's what somebody they
- 48:20Speaker 2: call like the camps, like for like the low offense,
- 48:23Speaker 2: like Federal they call on the camps. So you're in
- 48:26Speaker 2: there with a lot of like white collared crime criminals,
- 48:30Speaker 2: a lot mostly people are extremely smart, and it's like
- 48:34Speaker 2: people from all over the country because the FEDS is
- 48:35Speaker 2: not just one state. It's like yeah, so it's actually
- 48:39Speaker 2: a very powerful networking opportunity. I mean, you became friends
- 48:43Speaker 2: with Laurence Hill, how's that going to happen? Like, you
- 48:47Speaker 2: know what I'm saying, Like, that's kind of crazy. So
- 48:49Speaker 2: can you talk about that, like how was that experience?
- 48:51Speaker 2: As far as I want.
- 48:53Speaker 5: To say this right because now it's a difference the
- 48:55Speaker 5: Feds back in the days, like in the seventies and eighties,
- 48:59Speaker 5: you know, Davids tenants, since that shit does not exist.
- 49:02Speaker 4: So I just want to be clear that you know
- 49:06Speaker 4: you got the camp.
- 49:07Speaker 5: Now, when I first got locked up, I wasn't eligible
- 49:09Speaker 5: to go to the camp, and that was because of
- 49:11Speaker 5: the money amount in my case, my restitution and because
- 49:14Speaker 5: of the.
- 49:15Speaker 4: Length of the sentence I had.
- 49:16Speaker 5: Right So generally when you got like five years or less,
- 49:19Speaker 5: they'll let you go to a camp. So I was
- 49:21Speaker 5: in the sci with killers right when I first got
- 49:24Speaker 5: to prison, and I had to work my way down.
- 49:26Speaker 5: There's a point system that you could work your way
- 49:28Speaker 5: down to a camp.
- 49:29Speaker 4: Now, a camp is.
- 49:30Speaker 5: A better situation because it's more freedom, but you still
- 49:35Speaker 5: are a woman being incarcerated.
- 49:37Speaker 4: We don't got tennants.
- 49:38Speaker 5: We gotta eat what they give us, you know, unless
- 49:40Speaker 5: you got the hook up and you gotta figure.
- 49:42Speaker 4: Like it's a whole another you know.
- 49:45Speaker 5: So I just want to make sure because people think
- 49:47Speaker 5: of Arange just the new black and camp. We have,
- 49:50Speaker 5: you know, enjoyable moments and you know, I can tell
- 49:53Speaker 5: you about some times I had and I had a
- 49:55Speaker 5: good time.
- 49:56Speaker 4: But I want to be clear before somebody want to.
- 49:58Speaker 2: Do, oh yeah, no, don't, don't. It's not it's not
- 50:01Speaker 2: it's it's not it's not a it's not a camp.
- 50:04Speaker 2: But but but but because even Caesar, even Caesar, he
- 50:08Speaker 2: said that's how he got turned onto real estate. He
- 50:10Speaker 2: met a guy in jail who was a white collar
- 50:12Speaker 2: criminal who was a huge. He was huge, and he
- 50:15Speaker 2: was in there for a white collar crime. And long
- 50:17Speaker 2: story short, he's taught him real estate in jail and
- 50:21Speaker 2: and now he owns the whole Patterson, New Jersey. So
- 50:25Speaker 2: I say that to say, yeah, we can never glamorize it,
- 50:28Speaker 2: glorize it, but you do meet you can't meet can opportunity,
- 50:33Speaker 2: And I did.
- 50:33Speaker 4: I met senators, state senators.
- 50:36Speaker 5: I was also locked up with Teresa Judyce from the
- 50:39Speaker 5: Housewives of New Jersey. So any of how jail pitchures,
- 50:42Speaker 5: you see, I'm in all of them because I helped
- 50:44Speaker 5: her stage them. So like I mean me, you know,
- 50:48Speaker 5: like you're gonna meet some incredible people. And I think
- 50:50Speaker 5: what it did was it sharpened my networking skills. Right,
- 50:53Speaker 5: So I have this keen ability. I could be around
- 50:56Speaker 5: a person for three to five minutes and I could
- 50:57Speaker 5: tell you, like, you know, if it's gonna be something
- 51:00Speaker 5: to gain out of the relationship, if it's a situation
- 51:03Speaker 5: that could be, you know, an opportunity for us to
- 51:06Speaker 5: collaborate or do things. And I got that from meeting
- 51:09Speaker 5: so many people from so.
- 51:11Speaker 4: Many different backgrounds.
- 51:12Speaker 5: So living in close confinements with people from all kinds
- 51:15Speaker 5: of different nationalities and creeds, you begin to not be
- 51:19Speaker 5: so prejudiced or think that your mindset is right because
- 51:22Speaker 5: now you engage with people who teach you because you
- 51:25Speaker 5: were geting to love them. You might need not like
- 51:26Speaker 5: them at first, but after you spent seven eight years
- 51:29Speaker 5: I stayed in one prison, you like yo, they become
- 51:32Speaker 5: your family, so you beulcome open minded to different things,
- 51:37Speaker 5: which opens you up to new opportunities.
- 51:39Speaker 3: Seeah, speaking of family, right, and now that we just
- 51:42Speaker 3: spoke about it, it's the first time I'm thinking of it. Right.
- 51:44Speaker 3: You're the first woman that we have had on your
- 51:46Speaker 3: mother as well, what was the impact on your family
- 51:49Speaker 3: outside of jail and how instrumental were they and you
- 51:53Speaker 3: getting through this process?
- 51:55Speaker 4: They were everything.
- 51:56Speaker 5: So, like, my kids were nine and eleven when I left,
- 51:59Speaker 5: and I didn't return to my kids were eighteen and
- 52:02Speaker 5: twenty one. I missed every graduation, every graduation, right, So
- 52:07Speaker 5: I finally last year just.
- 52:09Speaker 4: Got to go to my son's college graduation.
- 52:11Speaker 5: I was the first graduation I got to go to
- 52:13Speaker 5: as a mom, right because I missed all of those
- 52:17Speaker 5: crucial years of my kid's life. So it just showed me,
- 52:21Speaker 5: like I wanted to get this money to because my
- 52:23Speaker 5: kids had minks and pry To shoes and Gucci this
- 52:26Speaker 5: and all this, Like I'm thinking that these things is
- 52:28Speaker 5: what the kids want, but really the kids just wanted me, right,
- 52:31Speaker 5: So I hurt the hell out of them by being
- 52:34Speaker 5: away from them for that many years. But what I
- 52:36Speaker 5: did do was like the way that I was able
- 52:39Speaker 5: to cultivate my relationship with them behind bars is I
- 52:42Speaker 5: helped my kids set up businesses, right, so literally on
- 52:45Speaker 5: the visiting room floor, I helped my son start his
- 52:48Speaker 5: clothing line. You know, I was cool with rapper Jada Kiss,
- 52:51Speaker 5: who ended up helping my son with his rap career,
- 52:54Speaker 5: and you know what, my daughter's you know, her whole
- 52:56Speaker 5: thing that she wanted to do with her beauty company.
- 52:59Speaker 5: So I engage my kids by finding things that they
- 53:03Speaker 5: like and showing them what was possible while I was
- 53:05Speaker 5: behind bars, and I gained the great amount of respect
- 53:08Speaker 5: for them with that, and that was a way that
- 53:10Speaker 5: I kind of kept the relations and kept myself alive
- 53:13Speaker 5: doing you know, great things from behind bars.
- 53:15Speaker 2: So a lot of times when people come out of jail,
- 53:17Speaker 2: if anybody's ever known anybody that's going to jail, especially
- 53:20Speaker 2: for a long period of time, it's hard for them
- 53:22Speaker 2: to readapt into the world. A lot of times they
- 53:27Speaker 2: go back to jail, and even if they don't go
- 53:29Speaker 2: back to jail, it's just like they they're never really
- 53:31Speaker 2: the same person. They become intitutionalized, and it's hard for them.
- 53:34Speaker 2: It's just a lot changes when you're in jail for
- 53:37Speaker 2: ten years, nine years. So like when we had Wallow
- 53:39Speaker 2: on Shout to Wallow, he was in jail for twenty
- 53:41Speaker 2: years and he came out hit the ground running on
- 53:43Speaker 2: social media and now he got one of the top
- 53:45Speaker 2: podcasts in the world, and he's just they just killing it.
- 53:47Speaker 2: So you you know, was being in jail for almost
- 53:49Speaker 2: a decade coming out and kind of similar in regards
- 53:52Speaker 2: to you know, social media, then being on a reality
- 53:56Speaker 2: TV show, the top reality TV show Love and Hip Hop.
- 53:58Speaker 2: How was that? Like, how did all of that come about?
- 54:01Speaker 2: As far as your branding, Like were you working at
- 54:04Speaker 2: on the inside or when you got out did you
- 54:07Speaker 2: have a strategy? Like what was how did that come about?
- 54:09Speaker 4: Absolutely?
- 54:10Speaker 5: So my conversations with Lauren Hill was key, like she
- 54:13Speaker 5: changed my mindset. Like you know, when you meet somebody
- 54:16Speaker 5: that you look up to or that you believe in
- 54:18Speaker 5: and they tell you you got it, it really increases
- 54:21Speaker 5: your faith to believe. And she suggested, she's like, listen,
- 54:23Speaker 5: you around all these stories. Start taking some of these
- 54:26Speaker 5: women's stories and do something with them. And when she
- 54:29Speaker 5: told me that, I went ahead and I produced The
- 54:31Speaker 5: High Price. I had to pay book series, right, and
- 54:34Speaker 5: that was like telling stories of women serving decade plus sentences.
- 54:37Speaker 5: So I started getting women comfortable to show their faces.
- 54:41Speaker 4: And then we started.
- 54:42Speaker 5: Staging prison pictures, right, so we would get our makeup done.
- 54:45Speaker 5: I had done and our pictures went Bible. So I
- 54:47Speaker 5: know you didn't seen some of our pictures because our
- 54:49Speaker 5: pictures were Bible and we was on Baller Alert and
- 54:52Speaker 5: the Shade Room and everybody like, yo, who these girls
- 54:55Speaker 5: that looked so pretty in prison? And we did that
- 54:57Speaker 5: purposely and strategically to show people that, you know, like
- 55:01Speaker 5: what they think is in prison isn't really in prison.
- 55:04Speaker 5: And we use that as a way to start telling
- 55:05Speaker 5: our stories and kind of like from there, Yandy or Smith,
- 55:10Speaker 5: who's actually my partner now, she found me on social media,
- 55:13Speaker 5: her and her manager LaToya, and it's all she wrote.
- 55:18Speaker 5: From there, I came home, CBS called me. I ended
- 55:21Speaker 5: up doing their Pink Color Crimes. Right after that, b
- 55:25Speaker 5: Et caught me to do the track Queen series. I'm
- 55:28Speaker 5: now working with VH one on a whole nother show.
- 55:31Speaker 5: So it just was like, you know, one way to
- 55:34Speaker 5: another to another. But it started with a mindset believing
- 55:38Speaker 5: that I can seeing my success, knowing that despite the
- 55:41Speaker 5: adversity I faced, that no one could deem me dead
- 55:45Speaker 5: except me.
- 55:46Speaker 4: So if I say I failed, then I failed. But
- 55:48Speaker 4: if I say I succeed and look for the good
- 55:50Speaker 4: in a bad situation, I can find it. And that's
- 55:53Speaker 4: my mindset now and even during this pandemic.
- 55:56Speaker 5: I had to adapt back to that like finding the
- 55:59Speaker 5: good in every situation, purposely looking forward and not stopping
- 56:04Speaker 5: that search.
- 56:05Speaker 4: Until you find.
- 56:06Speaker 3: Yeah. One of the most admirable things I think what
- 56:08Speaker 3: you're doing, and I applaud you for it, is going
- 56:10Speaker 3: back and going into schools and telling your story and
- 56:15Speaker 3: providing education to children. And I know you have a
- 56:18Speaker 3: program you want you want to talk about what you've
- 56:19Speaker 3: been doing in schools.
- 56:20Speaker 5: Yes, So basically, now I told you guys, I was
- 56:23Speaker 5: like the prison clerk, right, So the recreation clerk was
- 56:26Speaker 5: the person who developed curriculum to help keep women programming
- 56:30Speaker 5: and out of trouble and just to have a good morale,
- 56:33Speaker 5: like to keep the spirits up while incarcerated. Never did
- 56:35Speaker 5: I dream in a million years that that skill set
- 56:38Speaker 5: would prepare me to establish a multimillion dollar educational consulting firm.
- 56:44Speaker 4: And basically what I do now is I develop programs
- 56:47Speaker 4: for schools, for cities, for communities, and I teach them
- 56:52Speaker 4: ways through my curriculum how to engage high risk individuals
- 56:56Speaker 4: or at risk individuals, and I show people what's possible.
- 57:00Speaker 4: And what we do is pair them up with celebrities
- 57:02Speaker 4: and other influences. So kind of like what Lauren did
- 57:04Speaker 4: for me.
- 57:05Speaker 5: Right, I was in my situation and I didn't know
- 57:08Speaker 5: I could, if I could come out or not.
- 57:09Speaker 4: She gave me hope. So I use people that other people.
- 57:12Speaker 5: Look up to to implement the curriculums that I create.
- 57:16Speaker 5: And we, you know, we inspire so many people to
- 57:19Speaker 5: push past their fears, push past their pain, and make
- 57:22Speaker 5: it onto on time.
- 57:23Speaker 2: So let me ask you this as far as because
- 57:24Speaker 2: obviously you have a brilliant mind, and you knew a
- 57:26Speaker 2: lot about real estate. You had to know a lot
- 57:28Speaker 2: about real estate, and I'm sure you learned a lot
- 57:30Speaker 2: are you Are you still involved in real estate now?
- 57:33Speaker 2: Are you able to be an investor? I don't think
- 57:35Speaker 2: you can. They can stop you from being an investor.
- 57:37Speaker 2: I'm pretty sure Caesar is an investor. Shot out to Season.
- 57:41Speaker 2: I don't mean to keep I don't keep making I
- 57:42Speaker 2: don't want to throw Season under the bus. But he's
- 57:45Speaker 2: just his name, his name comes to mind.
- 57:48Speaker 4: He made it.
- 57:49Speaker 5: So that it that it's against it's a violation for
- 57:52Speaker 5: me to operate in the realm of real estate. Right,
- 57:55Speaker 5: So that was another purposeful band. So, by the way,
- 57:58Speaker 5: I got a twelve and a half million, not a restitution, Right,
- 58:01Speaker 5: I got a twelve and a half year sentence, a
- 58:03Speaker 5: twelve and a half year restitution, and then I got
- 58:06Speaker 5: a ban to be banned from real estate.
- 58:09Speaker 4: Right. I think that that was the thing, Like, Okay, if.
- 58:11Speaker 5: We take this away from her, she won't know how
- 58:13Speaker 5: to generate that money again. But the thing about me
- 58:16Speaker 5: is you put me wherever, and you showed me the system.
- 58:18Speaker 5: I'm gonna figure it out. So I just was able
- 58:20Speaker 5: to adapt to other things. So right now, currently, while
- 58:24Speaker 5: I'm on federal probation they call it because we don't
- 58:27Speaker 5: have parole in the federal system, I'm not able to
- 58:29Speaker 5: operate in the practice of real estate. However, I know
- 58:33Speaker 5: a lot about it, and one day I'll be able
- 58:35Speaker 5: to operate in the realm.
- 58:38Speaker 3: Put me anyway on God's green earth from a triple
- 58:40Speaker 3: my word.
- 58:41Speaker 2: So that the twelve million restitution, you have to pay
- 58:44Speaker 2: twelve million dollars back? Yes, So how does that work?
- 58:49Speaker 5: It just it just has to work like so for me,
- 58:51Speaker 5: Like I put not too much emphasis on it, because
- 58:54Speaker 5: I got one hundred.
- 58:54Speaker 4: Million dollar plan five years a hundred million. I'm gonna
- 58:57Speaker 4: figure it out.
- 58:58Speaker 5: Like to me, like, I can't let that barrier block me,
- 59:01Speaker 5: because if you think about it, that was really.
- 59:03Speaker 4: A life sentence that you issue on somebody.
- 59:05Speaker 5: So not only do I gotta do the time I
- 59:08Speaker 5: got this judgment, that's a federal judgment, lean over my
- 59:13Speaker 5: hand right until I pay it all because it doesn't disappear.
- 59:16Speaker 5: Bankruptcy doesn't take it away. Time doesn't take it away.
- 59:20Speaker 5: So with that said, I had to position my mindset
- 59:23Speaker 5: to take it away. Okay, twelve and a half that's life,
- 59:27Speaker 5: that's that's short points. I'm gonna get to it, you know,
- 59:30Speaker 5: And I gotta get back out here and do what
- 59:32Speaker 5: I do and figure that out. Because but I feel
- 59:33Speaker 5: like one day that whole story and the corruption of
- 59:36Speaker 5: that whole thing that happened to me will unfold and
- 59:39Speaker 5: maybe that twelve and a half years, I mean twelve
- 59:42Speaker 5: and a half and a half million dollar restitution will
- 59:44Speaker 5: you know, have to go away.
- 59:46Speaker 4: But if not, I guess I have to pay that.
- 59:48Speaker 3: The federal government just collects down with.
- 59:50Speaker 4: The monthly monthly day. I have a set order.
- 59:53Speaker 5: They take money from me, and according to my income,
- 59:55Speaker 5: my earnable income wages, they are able to come in
- 59:58Speaker 5: at any point and take whatever they can.
- 1:00:01Speaker 2: It's like child support kind of a portion of area.
- 1:00:05Speaker 4: Baby daddy to have or the federal government.
- 1:00:08Speaker 2: Yeah, that's that's an expensive change. So I mean that's
- 1:00:14Speaker 2: how do you sold all right, as far as criminal
- 1:00:16Speaker 2: justice reformed, right, because it's like we spoke with my
- 1:00:19Speaker 2: saunt who did seven years, seven seven years for ten dollars.
- 1:00:27Speaker 2: I think they he said that they didn't commit but
- 1:00:30Speaker 2: even I mean even without not committing the crime, and
- 1:00:33Speaker 2: think it was like robbing a cab driver of ten dollars.
- 1:00:36Speaker 2: That's what he was accused though, robbing a cab drive
- 1:00:38Speaker 2: of ten dollars. You, like I said, I mean, you know,
- 1:00:41Speaker 2: you admitted that you you did a crime. Right, We're
- 1:00:43Speaker 2: not saying that you didn't do a crime, but I
- 1:00:46Speaker 2: mean you didn't hurt anybody. You didn't, you know, nobody
- 1:00:49Speaker 2: died anything. So and like I said, I mean, there's
- 1:00:52Speaker 2: people during that financial crisis that frauded hundreds of millions
- 1:00:55Speaker 2: of dollars that got probation.
- 1:00:58Speaker 3: That So someone argue that you help people, right, I
- 1:01:01Speaker 3: saw on one article they were calling you the black robberhood.
- 1:01:05Speaker 4: I mean I did help a lot of people. Truth
- 1:01:07Speaker 4: is I've helped a lot of my people become homeowners.
- 1:01:10Speaker 4: I educated them on credit, and to be honest with you,
- 1:01:12Speaker 4: I'm gonna get back into that.
- 1:01:15Speaker 5: MG the mortgage guy, he and I did a live
- 1:01:18Speaker 5: yeah recently, he actually empowered some students and I realized
- 1:01:23Speaker 5: I have a gift to be able to help my people,
- 1:01:26Speaker 5: and I got to figure out how to do that
- 1:01:28Speaker 5: because it's necessary, you know.
- 1:01:30Speaker 2: So how do we fix this crime? Because that's another
- 1:01:32Speaker 2: thing we didn't talk about as well. You're you're an app,
- 1:01:33Speaker 2: you're and activists, So how do we fix this criminal
- 1:01:39Speaker 2: justice system that's broken? It's a double standard, and obviously,
- 1:01:43Speaker 2: like cases like yours, my son is obvious that it's
- 1:01:47Speaker 2: not the same punishment for the same crime depending on
- 1:01:50Speaker 2: people's skin color. So what's the what's what's what's some
- 1:01:53Speaker 2: of the things we can do?
- 1:01:55Speaker 5: Media and people might laugh at that, like what do
- 1:01:57Speaker 5: you mean? Like you just kind of look at the
- 1:01:59Speaker 5: recent cases. Right when people start seeing outrageous stuff and
- 1:02:04Speaker 5: we start making it go viral, people lift up their
- 1:02:07Speaker 5: mouths and start speaking out.
- 1:02:10Speaker 4: And when you speak out, things happen.
- 1:02:12Speaker 5: And that's why I'm an activist today because I know
- 1:02:15Speaker 5: that you gotta use your voice.
- 1:02:16Speaker 4: A closed mouth does not get fat.
- 1:02:18Speaker 5: I feel like the more people keep seeing the injustices,
- 1:02:21Speaker 5: the more we're gonna fight, the more we're gonna demand
- 1:02:24Speaker 5: that the laws, you know, be changed. And it won't
- 1:02:27Speaker 5: happen tomorrow morning, but eventually, every day it gets better,
- 1:02:31Speaker 5: it gets better. It gets better, it gets better. And
- 1:02:34Speaker 5: when we join forces and we galvanize, then people get
- 1:02:37Speaker 5: to know, don't play with us, because we can mess
- 1:02:39Speaker 5: with people in different ways and it doesn't have to
- 1:02:41Speaker 5: necessarily just be like people think, Oh, I gotta kill
- 1:02:45Speaker 5: you to hurt you. Nah, you feel me. You start
- 1:02:48Speaker 5: surrounding the folks house. You see in Georgia what they
- 1:02:51Speaker 5: did right to be arrested. The people folks started surrounding
- 1:02:54Speaker 5: the houses with signs like listen, you know what I'm saying.
- 1:02:57Speaker 5: There's a way to get folks attention to make the move.
- 1:03:00Speaker 5: It's just about using your mind and being strategic about it.
- 1:03:03Speaker 5: And I feel like we are gaining some progress and
- 1:03:06Speaker 5: I feel like in time it will happen. But we
- 1:03:08Speaker 5: have to unify as a people and teach people how
- 1:03:11Speaker 5: to treat us.
- 1:03:14Speaker 2: Yeah, and I think you know. One of the takeaways
- 1:03:16Speaker 2: that I get from your story and a bunch of
- 1:03:18Speaker 2: other stories. Is like, you know, a lot of people,
- 1:03:21Speaker 2: you know sometimes are our best talent is in jail
- 1:03:27Speaker 2: because you know they might not have had the same
- 1:03:30Speaker 2: opportunities resource somebody else might have, like you know, you know,
- 1:03:34Speaker 2: maybe you know, and everything happens for a reason in
- 1:03:37Speaker 2: life and you can never you know, blame anybody or anything.
- 1:03:41Speaker 2: But it just goes to show you that, you know,
- 1:03:44Speaker 2: don't be so quick to just you know, look down
- 1:03:47Speaker 2: on somebody or discard somebody because a lot of people
- 1:03:51Speaker 2: are really smart people that just make mistakes, and everybody
- 1:03:53Speaker 2: makes mistakes and just you know, different opportunities, different you know,
- 1:03:56Speaker 2: different life paths. Who knows, Wall Street Trapper might be
- 1:04:00Speaker 2: the CEO of a fortune five hundred company right now,
- 1:04:02Speaker 2: like you know, if he wasn't if he didn't grow
- 1:04:03Speaker 2: up in Louisiana. Like so, so it's like, you know,
- 1:04:08Speaker 2: stories like yours, I think is important to show that
- 1:04:11Speaker 2: a it's never over, like you can always you know,
- 1:04:15Speaker 2: change your life. And also to just show people that
- 1:04:19Speaker 2: you know, it's it's great to have that ambition, but
- 1:04:26Speaker 2: maybe just funnel it in a more straight arrow and
- 1:04:30Speaker 2: take a little it takes a little longer.
- 1:04:32Speaker 3: Yeah, but the climbing up the stays gonna take a
- 1:04:34Speaker 3: little bit longer. Yeah, it's worth it.
- 1:04:35Speaker 2: It's worth it in the longer you're gonna keep it.
- 1:04:38Speaker 5: So now, like I just came home, I just got
- 1:04:40Speaker 5: a condo, right, but literally the condo I moved back
- 1:04:43Speaker 5: in the community that I bought a condo in when
- 1:04:46Speaker 5: I was twenty one. You know, I'm doubled at age now, right,
- 1:04:50Speaker 5: so I'm starting.
- 1:04:50Speaker 4: Over whereas I could have did things the right way.
- 1:04:54Speaker 4: It's just crazy, you know. So for some people, they
- 1:04:56Speaker 4: look at me and they're like, oh my god, you're
- 1:04:58Speaker 4: doing so well, and.
- 1:04:59Speaker 5: I'm looking at my stuff like, oh baby, bom, this
- 1:05:01Speaker 5: is this is you know, I'm grateful, but yeah, this.
- 1:05:04Speaker 4: Is not new for me, you know.
- 1:05:05Speaker 5: But had I done things the right way, no one
- 1:05:09Speaker 5: would have been able to take away what I worked for.
- 1:05:11Speaker 4: So that's important. That's why I tell people, take your
- 1:05:13Speaker 4: time and get it right.
- 1:05:16Speaker 3: Now.
- 1:05:16Speaker 2: It's been a pleasure. It's been a pleasure. I'm glad
- 1:05:18Speaker 2: we got a chance to have this conversation.
- 1:05:20Speaker 3: I'm gonna be excited about this one.
- 1:05:26Speaker 2: To anything that you want to make the public aware of,
- 1:05:28Speaker 2: any initiatives any I know your book, your book.
- 1:05:31Speaker 3: Yeah, we got something dropping very shortly.
- 1:05:33Speaker 2: That's our book took Yeah, talk about that, let's do it.
- 1:05:37Speaker 5: I literally wrote this book about nine years ago when
- 1:05:40Speaker 5: I was in federal prison trying to figure it out,
- 1:05:42Speaker 5: when my mom was all messed up and I thought
- 1:05:44Speaker 5: I was gonna die and I didn't know how I
- 1:05:46Speaker 5: was avived a decade, you know, in federal prison, and
- 1:05:50Speaker 5: this particular book was the road map that.
- 1:05:52Speaker 4: God literally literally gave me to change my mindset.
- 1:05:56Speaker 5: How could I take these disgusting limits that they gave me,
- 1:06:00Speaker 5: you know, and turn them into sweet lemonade.
- 1:06:02Speaker 4: So I outline the points in my books.
- 1:06:04Speaker 5: It's the twelve points, the turning a setback into a
- 1:06:07Speaker 5: major comeback. So you know, you gotta check it out.
- 1:06:10Speaker 5: It's coming out on June thirteenth. I'm gonna have a
- 1:06:14Speaker 5: big virtual book signing. You know, we gotta do everything
- 1:06:17Speaker 5: virtual now. I'm gonna have incredible phenomenal speakers coming to
- 1:06:21Speaker 5: talking and power people and it's just good fuel, good
- 1:06:24Speaker 5: food for the salt, inspiration.
- 1:06:27Speaker 2: What your social media handles and are you coming back
- 1:06:30Speaker 2: on love and hip hop? Is that gonna happen On,
- 1:06:33Speaker 2: So yeah, it needs my partner.
- 1:06:34Speaker 5: So I get on Love and Hip Hop by Happenstance
- 1:06:36Speaker 5: because they follow her real life and together we're in
- 1:06:39Speaker 5: the schools, we're together on you know, doing activism. So
- 1:06:43Speaker 5: I kind of get into that because I'm just there
- 1:06:46Speaker 5: and it just is I'm a part of her storyline
- 1:06:48Speaker 5: because I'm a part of her life. So yeah, that
- 1:06:50Speaker 5: I'm most likely wherever she's at, you're gonna pretty much
- 1:06:53Speaker 5: see me, you know. And then, like I said, there's
- 1:06:56Speaker 5: a new show coming out on VH one and I'm
- 1:06:58Speaker 5: gonna be featured on, so stay tuned.
- 1:07:00Speaker 4: I'm not privileged to, you know, release all the.
- 1:07:02Speaker 5: Details right now, but that's coming up, and it's just
- 1:07:05Speaker 5: so much going on. But you know, even our activism,
- 1:07:07Speaker 5: check that out. Forget the shows.
- 1:07:09Speaker 4: Yeah, you're join us on the front line. You know,
- 1:07:11Speaker 4: we've been there.
- 1:07:12Speaker 5: We was there for MDC when they turned the lights
- 1:07:14Speaker 5: and the heat on, we came. We rallied around the
- 1:07:17Speaker 5: jail and guess what, we got the lights in the
- 1:07:19Speaker 5: heat back on. So that's what we do. We moves
- 1:07:21Speaker 5: and we shake its. We fight for our people because
- 1:07:23Speaker 5: we love our people. Staying with us follow me. You
- 1:07:26Speaker 5: can follow me on social media.
- 1:07:28Speaker 4: My Instagram and Twitter handle is at Jamilla T. Davis.
- 1:07:33Speaker 4: That's JA M I l A. T.
- 1:07:37Speaker 5: Davis and I'm on I'm on Facebook at author Jamiller T.
- 1:07:43Speaker 4: Davis. You know, check me out and follow me, guys,
- 1:07:45Speaker 4: and follow the movement and join it.
- 1:07:47Speaker 2: Yeah, yeah, let's do it. Troy housekeeping it one.
- 1:07:49Speaker 3: Shout out to everybody on patreon dot com. You know
- 1:07:51Speaker 3: that as our proud to paid program. We have five
- 1:07:53Speaker 3: different tiers. You get a lot of things with those tiars.
- 1:07:56Speaker 3: You get ad free episodes, you get discounts to the merchant,
- 1:07:59Speaker 3: you get access to eyl University Online Educational School, which
- 1:08:03Speaker 3: is the number one business school in the world. We
- 1:08:05Speaker 3: claiming it. We're saying it now. So shout to everybody
- 1:08:07Speaker 3: that's on it, all our earners, and shout out to
- 1:08:09Speaker 3: everybody that's been supporting our merch on any leisure dot
- 1:08:12Speaker 3: com mergers moving assets of a liabilities. You know, that's
- 1:08:15Speaker 3: our slogan, that's our thing. They can try to replicate it,
- 1:08:18Speaker 3: but they can never duplicate it. So we're gonna keep
- 1:08:20Speaker 3: pushing that and we're gonna keep pushing out content. Man,
- 1:08:23Speaker 3: we appreciate all the support.
- 1:08:24Speaker 2: Yeah, for sure, and don't forget to like subscribe. What
- 1:08:27Speaker 2: do you listen on YouTube app whever? We appreciate you guys,
- 1:08:32Speaker 2: Thank you for rocking with us. We'll see you next week.
- 1:08:34Speaker 3: Go get her book. Don't play around, don't play yourself,
- 1:08:36Speaker 3: don't wait, don't hesitate, Go get it.
- 1:08:37Speaker 2: I see exact pace.
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