Latest / DA CREW Podcast / SEASON 2 DA CREW PODCAST_EPISODE _52 _ HOST LATONYA MICHELLE LITTLEJOHN

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SEASON 2 DA CREW PODCAST_EPISODE _52 _ HOST LATONYA MICHELLE LITTLEJOHN · DA CREW Podcast

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All nursing, nurses, all things at what they used to where had all
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the blue sky that's foot boys and blues from the north something well, person
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nurses, all things and what they used to know. Hey, and welcome
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writing your book. To every second Monday and for a Friday of each money
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this is that you don't want to miss everybody of them. Good evening,
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good evening, good evening, and welcome to another episode of Delayed but Not
3:14
Denied the podcast. This is episode number fifty two, and tonight we will
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be talking about financial literacy. We're going to be learning how to build and
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grow in the things that we need to know to gain financial freedom. But
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before we start, I would like to read a Bible verse to you,
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which is Proverbs twenty one, verse twenty. There is treasure to be desired
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and all in the dwelling of the wise, but a foolish man spending it
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up. And again that's Proverbs twenty one and twenty. Without further ado,
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my guest is mister Jerry Ferguson. How are you pretty good? Pretty good?
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Hi? Everyone? How everyone? Everyone is well? I first want
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to thank you for joining me tonight. I want to thank you for the
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desire to help people gain financial literacy. My first thing I would like to
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have you do is introduce yourself and tell us a little bit about what you
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do. Okay, once again, my name Jerry Ferguson pronoun solution consultant.
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You know, me and my family we started a financial solution business with partnership
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with this wonderful, wonderful, amazing company, Novay created Money company, which
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teach financial literacy. They they they serve. They teach us. How to
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serve is one way first step of becoming freedom and financial have financial freedom.
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It's serving others, helping others. And you know, that's one thing that
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I gained passionate about once I realized how it helped me and my family.
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And once I realized, you know, it's a lot of stuff that we
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didn't know, didn't know growing up then, wasn't taught, wasn't it didn't
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even it wasn't even a conversation in our neighborhoods and stuff, you know what
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I mean. And once we realized, like, if we just stay humble
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for a minute and do what we need to do for us, we'll get
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get ahead a year or two just by being humble. Three to six months
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and doing what we need to do for ourselves, you know what I mean.
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So that's one one thing. I'm passionate about one thing, and my
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team passionate about one reason. We reached out to each other, you know
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what I mean. You had the platform, I had the voice. So
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we're gonna make it happen. In the answer questions on this thing, any
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questions y'all may have, you know, of course, I'll leave my contact
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information for for myself and my team and how to get in contact with us
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afterwards. But yeah, I'm very excited, kind of nervous at the same
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time. It was my first time but the first time of many, and
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absolutely absolutely put that out there in the atmosphere. Yeah, you got to
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once again a little bit about myself, you know, got into credit when
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I realized that I needed one. Verd about it until I needed it right
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and I realized I needed it the power of you know what I like,
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I said, what I learned? How how quick you can ask this thing?
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Credit? You could say how they said having credit is credibility, you
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know, you get you can't you can't run from it, you know,
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so you might as well go and do what you need to do and do
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it right so when you need it, you ain't gotta look for it.
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You ain't gotta wait for it, and it ain't it ain't no long process.
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That's what we get confused with. We think it's hard long. It
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seemed that way because we don't know nothing or we don't talk to the right
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people. You know, everybody so quick to get over on people, scam
7:18
people, and that's understandable. That's why you got to do your research,
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you know, I mean, you gotta do your due diligence on your you
7:26
know what I mean, for yourself, especially when you're spending your hard earned
7:29
money to get it get ahead. But you know, that's what we're here
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for. That's what my me and my team here for, so you can
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get that comfort zone. You ain't got a redbody getting scammed. You ain't
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got a red back getting lick to. You know, everybody had that.
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You gotta you gotta have somebody lean on, and that's what that's what we're
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here for. You know what I mean so well, I know in the
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black community, learning about credit usually doesn't take place until after we've missed our
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credit up. Yeah, So could you explain the importance of having a decent
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credit score. But for for one, like I said on the portion of
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having decent credit is just it helped you save money. And plus it helps
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you be disciplined too, you know what I mean, because you got you
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got rules and regulations you gotta following to maintain their credit. Thirty percent utilization
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and paying on time, paying your bills on time. Man, you know
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all all those things that you know in the black community, we wasn't taught.
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You know, hey, call do power, we can we can pay
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them late. You know, call yo, they can get that next week.
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Yeah, it's all finding dandy, but not when you're working on your
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credit. Not when you're trying to establish something, you know what I mean,
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Because your a credit score is just a number, but they look at
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it a little deeper. The payment history. You know, you can have
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a six fifty credit score and have good payment history, and someone can have
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a seven fifty credit score and bad payment history. Who you think they're gonna
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land that money to that person? Well with the six fifty actually because they
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got really they got a better pay history than that person with their seven fitty
9:18
credit score. So the score don't really necessarily mean anything. It's good to
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have a good good score, but it's better to have, you know,
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a good payment history because they want to know if I do business with you,
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can can I get paid? And like I say, credit is credibility.
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So they're looking at it like Okay, he gotta get credit. So
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yeah, we'll give them this. We'll give them that he working on hisself
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or here she working on himself. So we see it. So that's that's
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how they look at that. And like like you said, in the black
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communities, we want to talk that and that's that's what we're here for.
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Yeah, we we usually have bad credit or forward even adults. Back in
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my day, you know, your family would put stuff in your name and
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you know when you are at age. Yeah, when you're of age trying
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to get your lights turned on or your water turned on, you got to
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pay X amount of money because your credit jacked up because you know, somebody
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used your credit as a kid. So ms Keisha said, we need this
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education because we must change the trajectory of our generations to come. Yeah,
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and what are your thoughts to elaborate on that? That's of course, it's
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just like what you said, putting things in our in our kids name or
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and that's a that's a generational curse that passed down on us that we don't
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want. We want the other generational curse to know about credit, to have
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our kids credit school. It see fit there on how you win at eighteen,
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Let the know the importance of don't put that in your cousin, don't
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sign, no co sign nobody, you know what I mean. We so
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quick to help somebody, and it's all good and dandy, but hey,
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once you sign a piece of paper, you liable for it, so you
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know it is and we we definitely, we definitely, definitely, definitely need
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to pass the word on credit and the importance of because of interest rates.
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You know, you could say you can save thousands just by having good credit
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instead of spending thousands. You go get a two thousand and twenty five with
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no money down, with good credit, but bad credit. You got a
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two thousand and five paying six hundred a month and it's twenty years outdated.
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You know what I mean. It's just one little thing that the importance are
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having it, having good credit and established and get credit. I would recommend
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it. I hate that I was so hard headed and waited so long to
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do it. But yeah, now I'm passionate about it now. And everybody
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that's talking to me gonna get this work. That's what that's what we're talking.
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You're gonna get this work. You're gonna you're gonna know about financial literacy.
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If you talk to me of my team, that's that's what we what
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we're about. What is the most important thing to you about the importance of
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financial literacy? Once again, generational pretty much generational wealth. Like my mentor
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mentor, he was on the call the other day and he said something that
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stuck to me to this day, and he was like, once I learned
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about credit, my kids know about credit. It helped me establish myself to
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where I can be rich and they born rich. Right that stuff right there,
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that's that's some generation into it. Yeah, going into it. We
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don't want Hey, we done got out of the Mud. We don't want
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our kids to get it out the Mud and grand kids to get it out
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the Mud and so forth and so on. You know what I mean.
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That's that's that's what we that's what we gotta break. And just by simply
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following those steps and being disciplined with credit, that's where we will established all
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those things, you know what I mean, And it's it's crazy, but
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you know what, you know, that's why we need to get around the
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right people. Sometimes you gotta change your circle. I've definitely had to change
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mind. Absolutely. Everybody can't go where you're going. You definitely can't.
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You know, you gotta go with people where you're want to be at.
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You see what I'm saying. It's up to you to make those steps.
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It's a lot of a lot of grown, grown, childish people. I
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used to be one, right, I mean, you know, to be
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honest, we all have at some point in life. But with age wisdom
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for some people. Some people it comes a little later, and that's okay.
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But as long as you catch up. Yeah, that's the only thing
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that you know ultimately matters at the end of the day. Yeah. No
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motto is we don't we don't educate. I mean, we don't say nothing.
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We just educate, you know what I mean. When ain't here to
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convince nobody to you know, own the services or anything. We educate you
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and you follow through for what you want to do. You know, but
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I want you to know it because it's gonna save you in the long run,
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it's gonna save you some money, and the long runs gonna help you
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and your kids in the long run. And I was listening to what you
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were saying earlier about helping your family and and you know, co sign and
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things of that nature. What I do know about that is you can't pour
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into somebody from an empty vessel. So you have to work on you first.
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I mean a lot of people may look at it and feel like it's
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selfish, but it's not, because you have to make sure you're good in
15:09
order to make sure that your children are good, their children and their children.
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So with the literacy program, what what is it that you are trying
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to manifest from it? What is it that you're laying out for people to
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get? Okay? With our literacy program? The entrepreneurship that it's an affiliate
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marketing, but it's more of a team building or for what we got going
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on and all our teams, you know, like I say, it's a
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team building. We get together every Saturday, we have meetings. I post
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them on my social media that spread the word on just simply like I say,
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financial literacy credit that help taxes or ways to make money through this program.
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The list goes goes on and on, and what we want to accomplish
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from this, like I say, financial liscy, generational wealth and making money
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as a team on our own. Don't nobody want to clock in for nobody.
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Everybody want to maintain their own self. And that's what this team for.
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Our goal is a year to three years. Everybody on the team.
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This is what we're doing, networking, be on podcasts and spreading the word
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as a team, making money, having fun, serving, helping one another,
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just teaching, teaching what we don't know. And that's one thing I
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love about this program, one thing a little about the company. One thing
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I love about my local team. We very supportive of each other. Have
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any ideas anytime y'all want us to pull up, let us know. We'll
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pull up at parties talking about financial literacy or driveways balls, whatever, it's
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just what that's that's our goal is to least let's at least touch one person
17:11
today with financial literacy and if they can spread the RD, and that person
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can spread the RD, and we don't we done did what we needed to
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do. How important is it to have the I can't think of what it's
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called, but it's like where you can put all your bills together and pay
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like one like solidate them. Yeah, how important is that? Like if
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you like, if you're in debt and trying to get those, get those
17:45
too and care r like just say, for example, try to Okay,
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you got seven seven cards, seven credit cards, and you ten thousand dollars
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in debt, but you still you use two or three to maintain your lifestyle.
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So now you're down to seven that you're gonna consolidate your debt. Once
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you consolidate that debt, those cards are not active. You can still use
18:11
the three that you know maintain everything. But those seven cars that you consolidated,
18:18
you're gonna work on that one big deck. We're gonna get that deck
18:22
cleared, understand that debt, and then get you back on the path to
18:26
good credit and attaining credit so you won't have to go through that deck that
18:32
helped program again. Okay, the market for buying houses right now is it
18:42
is it decent time to try to get out there and try to get a
18:48
house now or is that something that you know you have to I'm not I'm
18:55
connected to a lot of relatives, but I'm not a relative personally. But
18:59
right through through financial literacy, if you got your credit right and you maintaining
19:04
and budgeting what you need to do for you, anytime is a good time
19:08
to buy a home. You know what I mean it because don't nobody know
19:12
when the market gonna go well, ain't nobody gonna know when the market go
19:17
down? People say, oh, I wait, I wait to work on
19:19
my credit when the interest rate go down. So you're gonna wait to the
19:22
injury rate to go down then work on your credit. Now, you still
19:27
gotta wait three months to make sure you're credit straight. What the insur rate
19:32
while you you see what why are you waiting? Yeah? So I look
19:37
at that like that's a procrastination term or whatever. Cause if you want something,
19:45
people that want something, they're gonna get it. They don't care if
19:48
the insurrate high, injuryrate low. As long as you maintain your budget,
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maintain your credit, anytime you ready to purchase a home, Just when it's
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time to purchase a home. That's in my eyes right. Trevita said she's
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helped some family and got burned, and she learned a lesson from, you
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know, trying to help people that aren't really trying to help themselves. And
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she said to meet them where they are and guide them where they need to
20:19
go. And I feel like, you know, with the financial literacy,
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that is the start, Like you have to pick up and start somewhere.
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You can't just say that you want financial freedom and do nothing to get started
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on it. Yeah, look at the mean cut you off through importance of
20:41
credit because once you really like understand what you got to go through with credit,
20:47
it kind of helped budget your life. You get a little saying because
20:51
you don't learn to discipline, well, you know, I couldn't spend this
20:53
because I gotta pay this, or I can't do this because I gotta do
20:59
this. Once you set your your mind or something and be disciplined to do
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it, every everything gonna work out for you. And I think credit is
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the first step because once you understand credit, you start understand money a little
21:12
better. Once you start understand money a little better, then investment, investment
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start looking a little sweeter to you, you know, and then deck start
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looking a little clearer to you, and you know, all these things it's
21:26
just unfold for you and cretit is the first step. You ain't gonna do
21:32
nothing without credit. Althoughn't I don't care how you look at it. That's
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where it starts. D d says, going bankrup how badly does that affect
21:44
your credit score? It's gonna least seven to ten years if you file.
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If you file for bankrupe now far as repairing it now, don't get discared.
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I put it like that. It stays on there seventy ten years if
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you file bankrupt and don't do nothing about it. But it's ways to get
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get it prepared. Like I say, We've got programs to get you back
22:07
on track a whole lot sooner than that. But if you just sit there
22:11
and get discouraged with it, or I ain't gonna do nothing about it,
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it's it's a it's a big burden on your on your credit score. Black
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Diamond says, the interest rate is high right now, However it depends on
22:25
your credit lenders. And if you are a new buyer, she said,
22:30
see if there are incentives, but be mindful of the terms of the loan.
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Yeah, that's that's why I said, like when you ready, because
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they it's all kinds of programs that will help even the ones that ain't ready
22:45
to get in the home. They don't care about you being in their home.
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They just want to sail. That's why I say, as long as
22:52
you ready and prepared for whatever you signed up for, it'll work out for
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you. If you're not prepared, don't do it. Can you explain filing
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chapter thirteen and what that means for you financially filing chapter thirteen out chapter ten?
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Chapter thirteen. When when you're filing thirteen, it's basically your what it
23:18
is. It's like saying you you want to keep your stuff, but you
23:25
just need help on maintaining it. So they gonna work out all your debt,
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make sure you can still maintain it, and make one big payment from
23:37
it, so you can keep it as long as you can maintain it.
23:45
That's different than ten. Ten is just letting it go. I'm done with
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it. You can tie your hands with it. We'll deal with that.
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On another level. Thirteen is I don't winning the bad terms, you know,
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stuck life, be lifing right, Let's get this together. I want
24:06
to keep my house, I want to keep my calls, all the important
24:08
things. We're gonna get rid of all the things that was holding me back.
24:11
And that's just the difference between those two. How important is budgeting oh,
24:19
very old old though. How many times people eat out? But if
24:27
you realize how much money you spent eating out, you'll start budgeting. And
24:33
when you realize how how much grocery is, you can't when it comes to
24:37
budgeting, can't spend more than what's coming in. And it's hard to say
24:45
how you do it, but we do it, you know. Be you'd
24:48
be like, I just got paid five hundred, high spend seven hundred.
24:52
What the other two hundred come from? Rights? Just how fast it go?
24:56
You know, you didn't even know you had an extra two hundred dollars
24:59
because you didn't budget, you know, but if you had that budget,
25:02
you'd be like, damn, I got to the side. Put that there?
25:07
Do that? Do that? Yeah, budget is very important. Credit
25:11
budgeting or the are the two main things you need to focus on getting yourself
25:17
together. Start with. Start with those two things. Credit and budgeting.
25:22
Okay, how important is it to like have like the bonds and the savings
25:32
and things like that at the bank when it comes to your financial literacy,
25:37
Yeah, that's that's just like any any thing that you want to do for
25:41
yourself, save saving saving money, if you want buns and stuff, just
25:47
Understand what you're signing up for. Make sure it's in your budget, make
25:52
sure it's something that that benefits you from you know, long term from it.
25:57
You don't want to start nothing and to find out damn it was just
26:02
a waste of time or waste of money, or didn't understand the interest and
26:04
you was losing money before you know, before you gain money, or whatever
26:10
the case may be. Just just understanding what you're getting it, getting yourself
26:14
into What advice do you have for somebody with poor spending habits, cause you
26:25
know that that that twenty four honder cord and these labels and price tags.
26:36
Yeah, with with bad spending habits. Once again, I'm being there for
26:42
But when life get life and you realize what you got, and it's harder
26:49
to just get out of that hole than to maintain or good lifestyle, you
26:55
just you just grow up. Like you say you had the moments you like,
27:00
Man, I'm just tired. I'm just tired that when it when it
27:03
comes to that speaking on that, it's just to the point where that person
27:07
is you tired of going through the same thing? Oh and oh is you
27:10
tired of living the way you're living? Yeah, you got a good car,
27:15
but you broke. You ain't got no money. Something happened to that
27:18
good call. You can't fix it. You gotta get a loan. Now
27:21
you back in the hole, you know what I mean. You gotta at
27:23
somebody. You know how that go? You know. So it's just when
27:30
life get the life. How much you won't change their life? That's life.
27:34
How bad does refinancing things hurt you? It can help you, It
27:42
can't. That's that's a misconception. Just because I just recently helped someone refinance
27:49
their car and it helped them in the in the long run with payment.
27:55
Now it'll afect your credit score a little bit going down, because that's the
27:59
process that they have to go through because you don't. Of course, we
28:02
did the long process that you agreed on from the first first time. But
28:07
it helped you for saving money and of course maintaining paying your bills on time
28:12
and all that is. Score is just gonna go right back up. It
28:15
ain't like it's going to affect it for the fitted points or something like.
28:18
It's just like a hard inquiry on like when you go to these call loans.
28:25
Okay, how easy is it for an ex offender to be a part
28:30
of your company. You know, like a lot of our Brown people are
28:34
incarcerated wrongfully or rightfully, how do they really get a second chance? I
28:42
would just contact me, contact us we you know, we'll love to help
28:48
you with that. We can give you, show you an opportunity that whether
28:53
you ain't even got a word about your background now, drug screens, no
28:56
nothing, We just crew of serving people. You know, everybody go through
29:03
this. That and the third it's one thing I like about this company two
29:06
second chances. Everybody need a second chance. And with this opportunity that no
29:12
they gave us Brown people. Well, you can start a business for three
29:17
hundred and fifty dollars, be around six seven figure earners learning learning stuff that
29:22
we wasn't taught. Well, say, start your own business, learning stuff
29:30
you wasn't taught. Pretty much helping people on a daily basis on stuff they
29:34
need, having fun and making money. At the same time, the question
29:41
was posed, how can one get involved in your company and what are some
29:45
of the benefits besides the good credit, Like I say, networking with people
29:53
sit seven figure earners, Where you want to be in this company learning this
29:56
stuff that we here didn't know? And the benefits is once you get this
30:03
platform in your hands and realize what you got, you can write your own
30:07
checks. You can literally write your own checks. It's up to you what
30:14
you benefit out of us. And I love it. It's residual, it's
30:19
legacy driven. You could leave. You can leave us your business to your
30:25
family, if you got a twin, if you up to twenty thousand a
30:29
month and something was to happen to you, you can leave it to whomever
30:33
you want to. And they ain't. They pretty much I ain't got a
30:37
running if they don't want to, but they will because they see the benefits
30:41
from it. But it's just some just one little perk that we have of
30:48
many in our company. Black Diamond wants to know where you located. I'm
30:55
personally in South Carolina. We got teams nationwide in our states. Our main
31:03
base is in Georgia, Atlanta, Georgia. You can look it up Google
31:07
Reviews, no Vey Credit and Money. That's the headquarters in Atlanta, Georgia.
31:14
But our team were nationwide. We got Texas, Atlanta, Las Vegas,
31:22
California, North Carolina, pretty much everywhere. Wow, that's amazing.
31:30
Yeah, we're just a We're just a network of man. This company is
31:37
life changing. When I say life changing, and the people that you surround
31:41
yourself with, and it all started with the ownership Mr mccamery and his wife.
31:47
They just it trickled down from their flow. You know. They good
31:51
people, They good serving people. They want to see it see everyone when
31:56
we call them geniuses because what opportunities you have to where you can learn financial
32:01
literacy, have a lot of fun, make a lot of money and help
32:07
people at the same time. I mean, you can't. You can't go
32:10
wrong, all right, How do we connect with you to learn more?
32:17
I can, Well, my my number is you can contact me eight six
32:22
four five five three four nine four seven. That's my direct line. I
32:29
can also follow me on Facebook on my link tree and content information contact information
32:37
also in my social media. I can matter of fact, I drop them
32:42
in the chat before we leave and the pace and follow. And yes,
32:47
and we have, like I said, we have financial literacy classes. We
32:52
got We ain't gonna say classes. We're gonna say mixtures because we get together
32:57
and mingle and just use is it that we may have. We got a
33:01
raffle that's gonna be dropping soon. We're gonna do a cookout, like a
33:08
cookout theme to where we get people together families, just have good, good
33:14
fun, give gifts, just learn. We when we host events, you're
33:21
gonna learn, whether you want to or not. People can want to have
33:24
fun, but yeah, we have fun, but you're gonna learn a little
33:28
bit. Then we're gonna have fun that you're gonna you're gonna get this work
33:31
regardless. Okay, one last question. What saving tips do you have?
33:38
What saving tips? Yeah, like that that starts with that starts with the
33:45
budgeting. One thing I can say, anything that you don't use, cut
33:51
it out. You know, we we signed up for a lot of apps.
33:53
If we don't use no more that we probably get charged with sit seven
33:58
dollars a month, but we got five of them. What's that thirty five
34:02
a month? You know, little stuff like that. It all starts with
34:07
budgeting. But if you don't use it what you're paying for it for,
34:09
you know, right, if it ain't if it ain't beneficial, cut cut
34:14
off anything that ain't beneficial, anyone that ain't beneficial, you know, and
34:21
that and you'll start saving. Gotcha, gotcha? Gotcha? Well, I
34:28
want to thank you for coming and sharing with us. Tonight. I would
34:32
like to have you to come back when my questions get better, because there's
34:39
a lot about financial literacy that I don't know just being young and just you
34:49
know, being out there doing dumb stuff. You you you lack knowledge that
34:53
you need to maintain these things. And it's important to have a situation like
35:00
this so that we can you know, build and grow. Yeah, and
35:06
when it when it comes to that, it's being around the right people too.
35:09
You can't be the only one trying and then go around people that ain't
35:14
trying. Then you start following into those bad habits and stuff. So you
35:19
know, change change your circle, get around people. If if you want
35:23
to be the next six figure person, you need to be hanging around six
35:29
figuring there you need to be a seven figure person, you need to get
35:31
in that circle. You know, if you don't smoke, but you hang
35:36
around four people that smoke, nine times out of ten, you're gonna pick
35:39
up that cigarette when you're sitting around them. Board, you know what I
35:42
mean. So it's it's it's very important to start with that is discipline,
35:49
budget and credit. This discipline, budget credit, start with those three things
35:54
and it is life changing. How does the discipline. How how did you
36:00
get disciplined? I'm still working on discipline, y'all. Don't get it twisted.
36:08
I'm still working on discipline. But writing it down, making your day,
36:14
you know what? Having like, like if you know what you're gonna
36:17
do Tuesday and it's Monday, that that helps out instead of just running wild.
36:22
You know what I mean? Go ahead, if your ex size for
36:25
an hour, set that hour for that. If you study for our sister,
36:30
you know, work for hour, whatever, Just just write it down,
36:34
make it plain and stand on. Stand on business. You just got
36:37
to stand on business. That's all. As to make it play, this
36:40
is it. If you don't. If you don't stand on, who gonna
36:43
stand on? Because if you lie to yourself, ain't nobody gonna believe you,
36:46
especially if you're lying to yourself. So right, Well, again,
36:52
this has been incredible and I would like to invite you to come back and
36:59
speak on it more in depth. How can we reach you, like through
37:07
social media and things of that nature. My Facebook link of course, my
37:13
name Jared Ferguson on Facebook. All my social media name is my real name.
37:19
You see you see the ball head mug a picture of my wife all
37:23
my team. But like I say, please follow me on Facebook, contact
37:30
info to that number that I gave you, and I can send y'all guys
37:32
some links on my link tree, my Notevake website, my reviews, all
37:39
their bove answer. Would love to answer any questions. I would love to
37:43
connect with everyone that have any questions curious about the opportunity, curious about credit
37:49
debck, loans, financial need I'm your man. Okay. In the event
37:57
that somebody has missed this broadcast, there's no need to fear. They can
38:02
go and catch it on YouTube. I have it posted on my page and
38:07
I tagged you so that they can get your phone number and all the information
38:13
to get to you to get on the path for financial freedom. Again,
38:19
I want to thank you for chatting with me tonight. It's been a privilege
38:24
because I know I had made a post and you saw it and you was
38:28
like, Okay, I want to I want to jump on. So I
38:30
was like, you know, come on, let's listen. Yeah. I
38:36
appreciate it because, like I said, when I seen it, I was
38:37
like, I ain't never did no podcast before. Everything new to me.
38:40
But if she want to learn, I'm I'm learning. So let's make this
38:45
thing work. Partnership team up. I would love to come back anytime I
38:51
could. I would actually have someone else on this time that's a little bit
38:57
more experienced my mentor, so they can have any questions for me, I
39:00
mean for you as well. We just like to spread the word, like
39:05
if you won't listen, hey, we won't talk. We want to give
39:08
it to you, you know, and and I want to give it back
39:13
to you. Thank you for having this platform for us to spread the word.
39:20
Everybody that joined, I appreciate y'all for the support. And like I
39:23
say, man, let's let's do it. Let's get this word. Let's
39:27
get discipline, budget credit in this neighborhood, in our in our neighborhoods,
39:34
and everything would be all right. The title of my podcast is delayed,
39:40
but not denied and deny. In a situation like this, I can easily
39:49
say, you know, you may be delayed, but what's meant for you
39:53
will never be denied unto you. So with that I bid everybody do and
40:00
you have a wonderful night. Thank you, Oh mercy nursing me all things?
40:09
Ain't what thing? You stupid enough? Where did all the blue Skys
40:16
but boys, And as the wind that blows from the north and something sleep
40:24
well, Mercy, Mercy me