Latest / Eating While Broke / EARN YOUR LEISURE - Dish Battle

Transcript

EARN YOUR LEISURE - Dish Battle · Eating While Broke

• 0:00
  Speaker 1: Welcome you all to another episode of Eating While Broke.
• 0:03
  Speaker 1: I'm your host, Colleen Witt, and today we have earned
• 0:05
  Speaker 1: your Leisure in the building. I'm super super excited about this.
• 0:09
  Speaker 1: When you get a financial advisor, a shot belal and
• 0:12
  Speaker 1: educated Troy Millings together they deliver assets of reliabilities no
• 0:17
  Speaker 1: pun intended. Of course, when it comes to behind the
• 0:19
  Speaker 1: scenes financial views and entertainment, sports and entrepreneurship, you need
• 0:23
  Speaker 1: to look no further than earn your leisure, events, podcast
• 0:27
  Speaker 1: and university. Welcome y'all. We are super excited to have
• 0:31
  Speaker 1: you all today. Okay, so today on this this episode,
• 0:39
  Speaker 1: we have two dishes. So at the end of this episode,
• 0:43
  Speaker 1: I'm going to see which one did it better. Troy,
• 0:47
  Speaker 1: why don't you start us off and tell us what
• 0:49
  Speaker 1: you're making and the ingredients. Yeah, so today I'm gonna
• 0:52
  Speaker 1: be making a pizza bagel, not to be confused with
• 0:54
  Speaker 1: piece of toast, a little bit thinner on the bread. Um.
• 0:57
  Speaker 1: And so yeah, I got my bagel here. I have
• 0:59
  Speaker 1: some tomato sauce obviously we have to have that, some
• 1:02
  Speaker 1: anzarella cheese, and to add some slavor, we've got a regino,
• 1:05
  Speaker 1: some basil, and of course a little pinch of golty
• 1:08
  Speaker 1: that sounds like it's gonna be really really nice on flavoring,
• 1:13
  Speaker 1: it feels like borderline professional pizza restaurant issues. We take
• 1:18
  Speaker 1: our pizza bagel serious and rest out. What about you?
• 1:22
  Speaker 1: Uh tuna sandwich? We got wheat bread, whole wheat bread, um,
• 1:27
  Speaker 1: tuna mayonnaise, catch up and chips and chips? Okay, okay,
• 1:32
  Speaker 1: So you know it's an interesting combination. I can explain
• 1:35
  Speaker 1: it if you want, or we can explain it later.
• 1:37
  Speaker 1: But how this all came about It up to you,
• 1:39
  Speaker 1: however you want to. Yeah, well, if you want, we'll
• 1:42
  Speaker 1: have Troy start us off with making the pizza. And
• 1:45
  Speaker 1: then while he's starting off making the pizza, I guess
• 1:50
  Speaker 1: I just have to ask you when did catch up
• 1:54
  Speaker 1: and tun to make a marriage? Yeah? Well, you know,
• 1:57
  Speaker 1: catch up is one of these things. But I use
• 1:58
  Speaker 1: whateverything like you know, and it's perfect blad. Like when
• 2:01
  Speaker 1: I eat fish, I usually put catch up fried fish,
• 2:04
  Speaker 1: catch up in hot sauce. You know, if I'm doing this,
• 2:09
  Speaker 1: I'll do this as well. The other things I do
• 2:11
  Speaker 1: with fish sometimes is catch up in tattar sauce, but
• 2:14
  Speaker 1: catch up in mayonnaise is actually French dressing. No, it's
• 2:19
  Speaker 1: French dressing. Yeah, I think it's French's umland, I think
• 2:25
  Speaker 1: it's French. No, I'm not even want to go. I
• 2:30
  Speaker 1: know I know it because I actually did good will it.
• 2:34
  Speaker 1: I think it's Thousand Islands. Okay, you know what, Well,
• 2:38
  Speaker 1: he puts it in the oven. Will google whether it's
• 2:42
  Speaker 1: French or Thousand Islands. But it makes it already makes something.
• 2:45
  Speaker 1: It's already something. So when you it's actually a good combination.
• 2:50
  Speaker 1: And then it's not the normal taste that you would
• 2:54
  Speaker 1: have for tuner, so it kind of gives it a little,
• 2:56
  Speaker 1: you know, special edge to it. And then the chips
• 2:59
  Speaker 1: just add like that, you know, just push it over
• 3:01
  Speaker 1: the top. Oh okay, all right, well Troy, why don't
• 3:07
  Speaker 1: you go ahead and start us off on the pizza.
• 3:09
  Speaker 1: Pizza bagel, pizza bagel. So the bagel is important, um
• 3:13
  Speaker 1: And because when I was younger, my mom used to
• 3:15
  Speaker 1: make pizza all the time, and so she had dope
• 3:18
  Speaker 1: and when I was home by myself, sometimes I'm like,
• 3:20
  Speaker 1: I want to make pizza. So I had to find
• 3:22
  Speaker 1: anything I could use as my as my bread. And
• 3:25
  Speaker 1: so the week the white bread was too too salt
• 3:28
  Speaker 1: for the tomato sauce, so that didn't work. And then
• 3:30
  Speaker 1: try to use English muffins and they were too small.
• 3:33
  Speaker 1: I was hungry after so I said, I'm gonna go
• 3:35
  Speaker 1: with the bagel. And so we started with the bagel.
• 3:37
  Speaker 1: Obviously you got slices. It's been sliced nicely. Uh. And
• 3:41
  Speaker 1: then the first thing we're gonna put on top of
• 3:43
  Speaker 1: it is the tomato sauce. And so we got the
• 3:45
  Speaker 1: tomato sauce. Here, we got our spoon. And the spoon
• 3:48
  Speaker 1: is important because you want to spread this tomato seals
• 3:51
  Speaker 1: out evenly, all right, So I take a scoop or
• 3:53
  Speaker 1: the tomato sauce, put it on the bread, all right.
• 3:57
  Speaker 1: Not at no point did you ever say, you know
• 4:00
  Speaker 1: what today, I want to have it on everything bagel?
• 4:03
  Speaker 1: Or was it always playing? You know, I never tried it,
• 4:05
  Speaker 1: always playing, always playing, right. I was trying to make
• 4:07
  Speaker 1: it as close to my mom's pizza as possible, and
• 4:11
  Speaker 1: the only bagel she boughtt was playing or cinnamon raising,
• 4:15
  Speaker 1: So cinnamon raising pizza probably would have been great. You
• 4:17
  Speaker 1: never tried to never, we don't. We don't put raisins
• 4:20
  Speaker 1: and things in the Jamaican household. Well, and that's the
• 4:23
  Speaker 1: other thing. I'm a little confused because you're Jamaican, and
• 4:26
  Speaker 1: I don't think I've ever seen my mom make a pizza. Yeah,
• 4:29
  Speaker 1: this is true. This is true. I've never seen my
• 4:32
  Speaker 1: mom makeup pizza. So she was great at making peace.
• 4:35
  Speaker 1: I mean, my mom is a great like she makes
• 4:37
  Speaker 1: a lot of things. Um, pizza was one of those
• 4:39
  Speaker 1: things like my friends would come over and eat it. It
• 4:41
  Speaker 1: It was so good. And so I was like, all right,
• 4:44
  Speaker 1: if I can't have hers, I'll have to make my own.
• 4:46
  Speaker 1: And so I didn't have dough, So I used the bagel,
• 4:49
  Speaker 1: like I said. And so you see how we we've
• 4:51
  Speaker 1: evenly spread this out. You see how good this looks?
• 4:53
  Speaker 1: All right, So now it looks like a bloody bagel exactly.
• 4:56
  Speaker 1: And so this is important. Now now that we've got
• 4:59
  Speaker 1: the maato sauce consistently spread throughout, now we're gonna add
• 5:02
  Speaker 1: some some flavor. We're gonna put a little of regano, right,
• 5:06
  Speaker 1: just a pinch of it, just a little bit above
• 5:08
  Speaker 1: the tomato sauce. Because you know, I'm gonna show you
• 5:10
  Speaker 1: what I'm gon show you on a sex So we
• 5:11
  Speaker 1: put a little bit here, a little bit there, right,
• 5:14
  Speaker 1: we don't want to flood it out the flavor of
• 5:16
  Speaker 1: the tomato sauce. A little basil sprinkle that I should
• 5:20
  Speaker 1: do it like salt Bay. Just drop it right here
• 5:23
  Speaker 1: we go. I mean, this looks restaurant, okay. And then
• 5:29
  Speaker 1: I'm gonna get another fresh spoon for my garlic. A
• 5:33
  Speaker 1: lot of people put garlic on top of the pizza
• 5:34
  Speaker 1: after I like to throw it inside the sauce so
• 5:37
  Speaker 1: to add a little bit of flavor, so you don't
• 5:38
  Speaker 1: really need it, all right, So you're a little pinch. Yeah,
• 5:42
  Speaker 1: this is fresh garlic. We're gonna spread this out. Yeah,
• 5:44
  Speaker 1: this is fresh. This is fresh, This is fresh. It
• 5:47
  Speaker 1: smells good. This smells good already. But you said you
• 5:49
  Speaker 1: usually mix it in the sauce. Yeah, well I'm gonna
• 5:52
  Speaker 1: do it now, uh time purposes. So it's gonna get
• 5:57
  Speaker 1: smudged in all in here right now. Imagine doing this
• 6:00
  Speaker 1: like on English muffin, like I couldn't do this on
• 6:01
  Speaker 1: white red won't work, you know what I'm saying. So
• 6:07
  Speaker 1: I'm hungry. So now we got our our sauces, we
• 6:12
  Speaker 1: got our flavor, and now, like I said, shredded cheese
• 6:15
  Speaker 1: is important. When I was growing up, that was my
• 6:17
  Speaker 1: job in the house. My mom was like, if she
• 6:19
  Speaker 1: was making macaroni and cheese, Troy shread the cheese. She's
• 6:21
  Speaker 1: making pizza, Troy shread the cheese. And now my wife
• 6:24
  Speaker 1: same thing. Anytime she's making something ZD lasagna. My job
• 6:27
  Speaker 1: is to shread the cheese. And so I kind of
• 6:30
  Speaker 1: like the bagel part because when you throw, you splash
• 6:33
  Speaker 1: the cheese on. It's important that it goes all over
• 6:36
  Speaker 1: the bagel, right, you gotta spread it all over. But
• 6:38
  Speaker 1: when it starts to go on the toast of oven,
• 6:40
  Speaker 1: that cheese melts and it goes inside of you know,
• 6:42
  Speaker 1: the holding bagel. And so now as even more of
• 6:45
  Speaker 1: a cristals, follow the whole circle the circle. Follow the circle,
• 6:49
  Speaker 1: follow the circle, follow the circle, let it drip, and
• 6:53
  Speaker 1: when it melts, the cheese will be inside of the
• 6:56
  Speaker 1: hole in the bagel. And now it asks for a
• 6:59
  Speaker 1: crisp taste to it. I love it. Ye, prepare a
• 7:03
  Speaker 1: couple of one. Okay, yeah, while you prepare that. Okay,
• 7:07
  Speaker 1: So now we're sad yes, yes, yes, challenger to yes
• 7:14
  Speaker 1: seris key sorry said We're gonna start with the bread
• 7:18
  Speaker 1: we're gonna put the bread and the toaster. It's really easy.
• 7:21
  Speaker 1: He literally just placed it in put it down. I
• 7:26
  Speaker 1: usually put it like halfway through, so it's like the
• 7:28
  Speaker 1: highest is seven, So I got it on four. Because
• 7:30
  Speaker 1: you don't want it to be burnt, well, you don't
• 7:32
  Speaker 1: want it to be too light either, so you just
• 7:34
  Speaker 1: gotta wait for the magic to happen. Patience is a
• 7:37
  Speaker 1: virtual So when I make tuna sandwiches, I mix the
• 7:41
  Speaker 1: mail with the tuna. I see on this sandwich. How
• 7:45
  Speaker 1: are you going to I'm just gonna put it on,
• 7:48
  Speaker 1: you know, especially at that time. You know I wasn't
• 7:50
  Speaker 1: really that's probably a proper way to do it, but
• 7:52
  Speaker 1: you know, it's just scrambling, so I don't really have
• 7:54
  Speaker 1: time to like chef for our ideas, So I just
• 7:56
  Speaker 1: put it on top. I put it on top and
• 8:00
  Speaker 1: just rock out like a sauce. Okay, so this is
• 8:04
  Speaker 1: definitely gonna be different. Yeah yeah, when oh man, it's
• 8:10
  Speaker 1: been a minute, I eat tuna. I still eat tuna
• 8:13
  Speaker 1: um from time to time, but like me actually making
• 8:16
  Speaker 1: it like this probably making like a couple of times
• 8:19
  Speaker 1: a year, to be honest, Like you know, when I'm
• 8:21
  Speaker 1: just feel nostalgic when I'm at home and I don't
• 8:24
  Speaker 1: have nothing else to eat. Um, but I don't eat
• 8:27
  Speaker 1: it that often how I used to. So seeing this
• 8:30
  Speaker 1: is considered your broke this what was going on at
• 8:33
  Speaker 1: the time when you were meeting this for more than
• 8:37
  Speaker 1: nostalgic and once in a while. Um, I was in college,
• 8:42
  Speaker 1: so I used to go to University of Hawaii and
• 8:45
  Speaker 1: I played basketball, so I was on a scholarship. But
• 8:47
  Speaker 1: how the scholarship worked is that instead of like being
• 8:52
  Speaker 1: on a meal plan, I opted to just get the
• 8:54
  Speaker 1: money for the meal plan. So that was like probably
• 8:58
  Speaker 1: like two thousand mester and so long story short, I
• 9:04
  Speaker 1: had to I had to use that to food. That's
• 9:08
  Speaker 1: my mail planning with of course, you know you're in college,
• 9:11
  Speaker 1: so you're using that for more than just food, using
• 9:13
  Speaker 1: that to go to the club, using that to you know,
• 9:15
  Speaker 1: just do whatever you wanted to do so by by clothes.
• 9:20
  Speaker 1: So I probably had probably like five hundred out of
• 9:23
  Speaker 1: that to spend on food. And I never cooked. I
• 9:27
  Speaker 1: was never you know, somebody that grew up cooking my
• 9:29
  Speaker 1: ool life. So I'm living by myself in an apartment
• 9:33
  Speaker 1: in Hawaii, so you weren't even living on campus. Nah
• 9:37
  Speaker 1: had apartment, so I had an off campus apartment so
• 9:40
  Speaker 1: U so yeah, so you know, it's like out of necessity.
• 9:44
  Speaker 1: I felt like tuna fish and peanut butter and jelly.
• 9:47
  Speaker 1: It was like the two easiest meals to make. You
• 9:49
  Speaker 1: don't have to have a culinary degree to make that.
• 9:51
  Speaker 1: So um, I just made it. And then every single
• 9:55
  Speaker 1: day for lunch, literally for a year, UM I would
• 9:58
  Speaker 1: make I would make two. That was my lunch every day. Wow, okay,
• 10:02
  Speaker 1: now you say Hawaii. Yeah. So I'm sure people hit
• 10:07
  Speaker 1: you with this all the time. You already know what
• 10:10
  Speaker 1: I'm gonna I'm gonna mention Barack somewhere. I wasn't going there,
• 10:14
  Speaker 1: but okay, um shout shout outs to Barack uh and
• 10:20
  Speaker 1: you guys actually didn't did you guys do something away?
• 10:25
  Speaker 1: Not yet, that's the answer. That's the answer. Actually, I
• 10:29
  Speaker 1: tell you a story about that. You could say it
• 10:31
  Speaker 1: right here on say it here please? All right? So
• 10:39
  Speaker 1: am I going to be making this? Go ahead, make
• 10:41
  Speaker 1: it so you got you got the actually putting the
• 10:43
  Speaker 1: tuna fish on the bread very important part to make
• 10:46
  Speaker 1: a sandwich. U. I probably should have did this the
• 10:50
  Speaker 1: other way on this bread, be kind to you. So
• 10:56
  Speaker 1: we're putting the tune, and like I said, this this
• 10:57
  Speaker 1: is one of these things you literally can make in
• 10:58
  Speaker 1: five minutes. That's another reason of while I was making it,
• 11:00
  Speaker 1: because you know, being a college student, you don't have
• 11:03
  Speaker 1: a lot of time you want to go. So it's
• 11:06
  Speaker 1: something that you can actually make it in five minutes.
• 11:08
  Speaker 1: Like he's making a whole going made dish. I ain't
• 11:10
  Speaker 1: have time. I mean he's making I feel like the
• 11:13
  Speaker 1: crew is gonna be upset. They don't get to ease
• 11:15
  Speaker 1: of that enough for everybody. You know, we put we
• 11:18
  Speaker 1: put the mayonnaise, put the mayonnaise on. You know, oh
• 11:23
  Speaker 1: you put a lot. Okay, cool, he put a lot.
• 11:25
  Speaker 1: Everybody that's listening to catch up on catch up in
• 11:28
  Speaker 1: Mayonnai's French dressing. We just learned. Oh yeah, we did
• 11:32
  Speaker 1: google everybody that this is bringing back memories actually and
• 11:36
  Speaker 1: then um, you would say the chips. I didn't do
• 11:38
  Speaker 1: this all the time, but this was something that you know,
• 11:41
  Speaker 1: when I was like really really feeling survived this spoil yourself. Yeah,
• 11:46
  Speaker 1: it was like today I'm gonna live a little larger
• 11:48
  Speaker 1: and get those chips on. Little you put the chips
• 11:51
  Speaker 1: over there, add a little crunch to it. Add the
• 11:54
  Speaker 1: crunch children, and this is just like slice out of heaven. Okay,
• 12:00
  Speaker 1: snice out of it? And yeah, deadly. I did this
• 12:03
  Speaker 1: every day for one year. So does it seems to
• 12:09
  Speaker 1: me that you were always financially conscious because you knew
• 12:14
  Speaker 1: to maximize the dollars. It wasn't really done out of
• 12:17
  Speaker 1: out of financial literacy. It was just done out of
• 12:20
  Speaker 1: I can't cook and I like tuna fish. I always
• 12:24
  Speaker 1: liked tuna fish. And it was just an easy mail
• 12:26
  Speaker 1: to make. So I like, you took the food credit
• 12:29
  Speaker 1: money instead of the food credit, right, yeah, So why
• 12:33
  Speaker 1: did you do? Well? You know, it's it's school food,
• 12:35
  Speaker 1: so I thought like they got the best food anyway.
• 12:37
  Speaker 1: And I mean, would you take a few nineteen years old,
• 12:41
  Speaker 1: somebody give you three thousand for semester? Would you take
• 12:43
  Speaker 1: that or would you take going to the dining room?
• 12:46
  Speaker 1: I would take the money exactly. So it's like, what
• 12:49
  Speaker 1: did you do with the money? Though? That was my
• 12:51
  Speaker 1: I was living on you know, So like I said,
• 12:53
  Speaker 1: you know, you maximized it. Yeah, whatever we need turned
• 12:56
  Speaker 1: into an acid. Whatever I needed to do. That was
• 12:58
  Speaker 1: like my that was like my salary. Okay, okay, well
• 13:01
  Speaker 1: you can't really work. Yeah yeah, I ain't work. So yeah,
• 13:04
  Speaker 1: that's what I'm saying. That was my salary that I
• 13:05
  Speaker 1: was met with money that you know, we just had
• 13:07
  Speaker 1: just to kind of do what that we wanted to. Okay, okay,
• 13:11
  Speaker 1: now you're gonna pop those beautiful things and then you
• 13:15
  Speaker 1: can go ahead and finished cheffing it up. Very important
• 13:19
  Speaker 1: that the oven is preheated. So we got to hear
• 13:22
  Speaker 1: at three fifty. But oh I got my mentens. That
• 13:25
  Speaker 1: didn't prompt me, but I saw him here. I learned
• 13:29
  Speaker 1: this at home at class. So I hated school lunch.
• 13:31
  Speaker 1: I think we both had that in common. I don't
• 13:33
  Speaker 1: think we ever eat school lunch. And so I took
• 13:35
  Speaker 1: every cooking class in high school that I could, so
• 13:37
  Speaker 1: that that would be my lunch all for the day.
• 13:40
  Speaker 1: And so this is you got to eat every time.
• 13:43
  Speaker 1: Yeah yeah, yeah slick. So growing up, you said there
• 13:50
  Speaker 1: was a lot of pizza in your house. I mean,
• 13:52
  Speaker 1: it's one of the things, at one of the things.
• 13:55
  Speaker 1: So take me back to the time where you're sitting there,
• 13:58
  Speaker 1: like Mom's not home, what's going on? You're making these
• 14:01
  Speaker 1: pizza bagels what's going on in that environment. Yeah, so
• 14:05
  Speaker 1: you know, my brothers are much older than you know.
• 14:06
  Speaker 1: My oldest brother is ten years old of me. My
• 14:08
  Speaker 1: other brother was in high school while I was in
• 14:10
  Speaker 1: middle school, and he was a middle school when I
• 14:12
  Speaker 1: was in elementary school. So I was came home for everybody.
• 14:14
  Speaker 1: My parents are working, and so I was just one
• 14:17
  Speaker 1: of those things. I'm like, I'm hungry. I hate Like
• 14:19
  Speaker 1: I said, I hated school lunch my entire life. So
• 14:21
  Speaker 1: in ementary school, I'm not eating school lunch. I'm the
• 14:23
  Speaker 1: kid that's like my parents gave me money for lunch,
• 14:25
  Speaker 1: I'm putting that in my pocket. Or I'm buying your
• 14:27
  Speaker 1: dipsy duels off you for fifty cents, and they gave
• 14:30
  Speaker 1: me three dollars every day. So I'm like, all right,
• 14:32
  Speaker 1: I bought those. I'm surprised your mom wasn't making your lunches. No, no, no,
• 14:37
  Speaker 1: they was. They was working. They were out there, actually
• 14:39
  Speaker 1: left the house before I did. Yeah, So I was
• 14:41
  Speaker 1: like younger, but like I was walking to the bus stop,
• 14:43
  Speaker 1: I was coming home for everybody. And so I was like,
• 14:45
  Speaker 1: all right, well I'm hungry. What am I gonna make?
• 14:48
  Speaker 1: There's no food that I didn't trust me warm stuff
• 14:50
  Speaker 1: up in the stove. Um, so many times you could,
• 14:53
  Speaker 1: you know, eat like toasts when he came home with chips.
• 14:56
  Speaker 1: So I was like, all right, I know how to
• 14:57
  Speaker 1: make this. I know we got tomato sauce, I know
• 14:59
  Speaker 1: how the great at the She's all right, let's just
• 15:01
  Speaker 1: throw it on on some bread and make it happen.
• 15:03
  Speaker 1: And so as I got better with it, I started
• 15:05
  Speaker 1: going into spice cabinet like what can we put on it?
• 15:08
  Speaker 1: Like yeah, and so like that's why I started putting
• 15:10
  Speaker 1: the right no, no no basil, putting garlic. I used to
• 15:12
  Speaker 1: put the red pepper flakes on it because I was
• 15:15
  Speaker 1: just like, I'm just trying to figure it out. Because
• 15:20
  Speaker 1: I'm just like, all right, I'm hungry. You gotta make something.
• 15:22
  Speaker 1: And that became one of those things. And so I
• 15:24
  Speaker 1: started making that and then when she would come home,
• 15:26
  Speaker 1: she was like, I'm like, yeah, I ate already, I'm good. Yeah.
• 15:30
  Speaker 1: So now we have you guys. Years later, one decides
• 15:36
  Speaker 1: financial advisor, another decides educated, Yes you can, Um, how
• 15:46
  Speaker 1: does that develop Troy to go into a financial financial advisory? Right? Well,
• 15:51
  Speaker 1: I was into education. Yeah, So when I was fifteen, Um,
• 15:57
  Speaker 1: I got a job at a camp in our community center,
• 16:00
  Speaker 1: and so I've been working with kids pretty much since
• 16:02
  Speaker 1: I was fift team. It was something that just came
• 16:04
  Speaker 1: natural to me. And um I went to school. I
• 16:06
  Speaker 1: remember I told my dad I wanted to be I'm
• 16:09
  Speaker 1: a souf. I was like, my hands are great, I
• 16:11
  Speaker 1: got a good hand. My dad was like, I ain't
• 16:13
  Speaker 1: paying for you to go to school to being no
• 16:14
  Speaker 1: ma sus. So I was like, damn, that's not gonna work.
• 16:17
  Speaker 1: And so I wanted to go into physical therapy because
• 16:18
  Speaker 1: I also had a love for sports, like obsessive love
• 16:21
  Speaker 1: for sports. And so I knew I was gonna go
• 16:24
  Speaker 1: on the athletic scholarship, like I was kind of recreation
• 16:26
  Speaker 1: when it came to sports. Um, And so I went
• 16:29
  Speaker 1: to school. I was like, all right, I'm doing physical therapy.
• 16:30
  Speaker 1: But I started taking these science classes. I was like
• 16:32
  Speaker 1: what is this and um, I realized really quickly, like
• 16:35
  Speaker 1: this may not be the route for me. And I
• 16:37
  Speaker 1: had interned at when I was in high school as
• 16:39
  Speaker 1: a physical therapist intern for six months. I was like,
• 16:42
  Speaker 1: this is the most boring job. However, like I'm falling
• 16:45
  Speaker 1: asleep at my internship. I'm like, I can't do this.
• 16:48
  Speaker 1: So I was, you know, every party battle with that,
• 16:50
  Speaker 1: like what am I gonna do? I'm in college, now
• 16:51
  Speaker 1: what am I gonna do? And so I started thinking,
• 16:54
  Speaker 1: like I have a natural gift for working with kids.
• 16:56
  Speaker 1: I still love sports, and so I started teaching phys
• 16:59
  Speaker 1: that so yeah, because the two just came together. And
• 17:03
  Speaker 1: so I was teaching and health education UH in the
• 17:07
  Speaker 1: Bronx in New York City, and I would watch my
• 17:11
  Speaker 1: my colleagues, the English teacher, the matth teacher, sociay science,
• 17:13
  Speaker 1: and I'm just like, yeah, this stuff is cool, but
• 17:16
  Speaker 1: the kids weren't grasping it. They didn't weren't really interested. Obviously,
• 17:19
  Speaker 1: when you're not interested, you see behavior of the shoes.
• 17:22
  Speaker 1: So's like, they love coming to my class stuff. They
• 17:24
  Speaker 1: loved health because I was talking about the issues that
• 17:26
  Speaker 1: were they were facing. So I was like, look, we
• 17:29
  Speaker 1: need to teach them about things that they can learn about.
• 17:31
  Speaker 1: And so we had this opportunity to have this UH
• 17:33
  Speaker 1: internship program in the summer at the same community center
• 17:35
  Speaker 1: that was working at his fifteen and I was like,
• 17:37
  Speaker 1: we need to treat this six weeks of the summer
• 17:40
  Speaker 1: like the ten months of school that they didn't get.
• 17:42
  Speaker 1: So let's teach them everything that we can that they
• 17:44
  Speaker 1: didn't learn in school. One of those topics was financial literacy.
• 17:47
  Speaker 1: And so at the time when we started I started
• 17:49
  Speaker 1: the program, he was starting his financial advising career. I'm like,
• 17:52
  Speaker 1: I got this idea, we should teach financial literacy. Wants
• 17:54
  Speaker 1: you to be the face of it. You should come
• 17:55
  Speaker 1: in and teach. How do you guys meet them? We
• 17:57
  Speaker 1: went to new school again, we went to grew up. Yeah, yeah, yeah,
• 18:00
  Speaker 1: we're like best friends. Yeah. So I'm like, he's always like,
• 18:04
  Speaker 1: why should you go back to school? Why do you
• 18:06
  Speaker 1: go back to schools. I'm like, I like working with kids,
• 18:08
  Speaker 1: and he was like I'll do it. He was like
• 18:11
  Speaker 1: kind of reluctant to do it. Them, like, yeah, they
• 18:13
  Speaker 1: need to learn this, and like you could be the
• 18:14
  Speaker 1: face of it. Extens is you're you're starting this, And
• 18:16
  Speaker 1: so we started that um and they learned other things
• 18:19
  Speaker 1: like how to write a resume, how to interview, all
• 18:20
  Speaker 1: these like you who teaches you that? Nobody right, nobody exactly,
• 18:25
  Speaker 1: and so financial literacy, it was like this is essential
• 18:27
  Speaker 1: because we were going to pay them at the end
• 18:28
  Speaker 1: of the program. Like based on their performance into the
• 18:31
  Speaker 1: program when they went to their internships, how he performed
• 18:33
  Speaker 1: in the classroom, we pay the money, and so I
• 18:35
  Speaker 1: was like, we're gonna give them and pay the money
• 18:37
  Speaker 1: that they obviously earned. Let's teach them about the value
• 18:40
  Speaker 1: of money. Let's teach them how to save it, spend it,
• 18:42
  Speaker 1: share it, invested. Um. And so that's how it really started.
• 18:45
  Speaker 1: And we were teaching. I would write the lessons, he
• 18:47
  Speaker 1: would teach it, and then he started writing his own lessons,
• 18:49
  Speaker 1: and then I was learning from him. So he learned
• 18:51
  Speaker 1: how classroom management, lesson playing in I learned about finance
• 18:55
  Speaker 1: or something like. Now we're bouncing off from each other,
• 18:56
  Speaker 1: like I'm learning from him, he's learning from me, and
• 18:58
  Speaker 1: I'll respect the fields and kind of grew from there. Wow,
• 19:01
  Speaker 1: that's amazing. Why do you think financial literacy and I
• 19:08
  Speaker 1: I think I have an idea to the answer to
• 19:10
  Speaker 1: this question. But why do you think financial literacy still
• 19:13
  Speaker 1: isn't taught in schools? That's a great question. Um, you know,
• 19:18
  Speaker 1: it's kind of interesting right when we think about it.
• 19:21
  Speaker 1: We're all going to school to get a career that
• 19:25
  Speaker 1: does what pay us money? It's money, but nobody tells
• 19:28
  Speaker 1: us about the money. Um, and so I just had
• 19:32
  Speaker 1: when I sat down and thought about it, I'm like,
• 19:34
  Speaker 1: if I ever told you how to people responsible financially,
• 19:39
  Speaker 1: if I ever told you how to be an entrepreneur,
• 19:41
  Speaker 1: who would be my worker unemployee? Right right? Who would
• 19:44
  Speaker 1: be the employees? And so if we're thinking from the
• 19:48
  Speaker 1: economic standpoint, like I need certain people to be employees,
• 19:51
  Speaker 1: I need certain people to be managers, and and and
• 19:54
  Speaker 1: I need people to work. And so if I told
• 19:56
  Speaker 1: everybody to be an entrepreneur, who would be doing the work?
• 20:00
  Speaker 1: And so I always look at school system in the
• 20:03
  Speaker 1: Industrial Revolution in the same light, right, Like the Industrial
• 20:06
  Speaker 1: Revolution was to create jobs in the communities that they
• 20:09
  Speaker 1: were in. Right, everybody came in at the same time,
• 20:12
  Speaker 1: everybody left at the same time, everybody had lunch at
• 20:15
  Speaker 1: the same time, and there were bells to tell you
• 20:17
  Speaker 1: your shifts. And so if you think about school design,
• 20:20
  Speaker 1: pretty much the same way, you're walking at the same time,
• 20:23
  Speaker 1: you hear the bell, you go to your first period,
• 20:25
  Speaker 1: second period there, So it's the same system, right, the
• 20:28
  Speaker 1: Industrial Revolution was to create jobs. School is designed to
• 20:31
  Speaker 1: create workers. So I was thinking that the reason why,
• 20:36
  Speaker 1: and I hope your pizza toast isn't burning. Actually, can
• 20:40
  Speaker 1: I put it on, fellow logan? The cheese has to
• 20:43
  Speaker 1: have a little bit of brown in it, go for it.
• 20:46
  Speaker 1: So I felt that in in Rashan you could you
• 20:51
  Speaker 1: could stop me if you are, I'm curious to hear
• 20:54
  Speaker 1: your opinion on this. I always felt like the reason
• 20:57
  Speaker 1: why schools didn't teach financial literas see was because, yes, school,
• 21:02
  Speaker 1: the school system wants you to is really training you
• 21:05
  Speaker 1: to work for somebody. But I think that student loans
• 21:10
  Speaker 1: are the only things that can't be removed from credit
• 21:13
  Speaker 1: report or one of the only things. I think there's
• 21:15
  Speaker 1: two other things that you know that happened in and
• 21:19
  Speaker 1: so I feel like, to put kids through school and
• 21:22
  Speaker 1: then after school, what do you do? You sign them
• 21:24
  Speaker 1: up for student loans? Right, So, I feel like the
• 21:27
  Speaker 1: reason why financial literacy isn't taught in schools is because
• 21:31
  Speaker 1: right after they get out of school, they're kind of
• 21:34
  Speaker 1: exposed to, for lack of better word, I feel premeditated predatory.
• 21:42
  Speaker 1: I feel like it could potentially fall into premeditated predatory landing,
• 21:46
  Speaker 1: you know. I mean, I feel like there's a lot
• 21:48
  Speaker 1: of reasons why financial literacy is not to on school.
• 21:50
  Speaker 1: But if you look at like major institutions, they haven't
• 21:53
  Speaker 1: really pushed for financial literacy to be to on school.
• 21:55
  Speaker 1: And you know, people make money off of people's ignorance.
• 22:00
  Speaker 1: So it's like, as a credit card company, you wouldn't
• 22:02
  Speaker 1: necessarily want your people to be extremely educated on how
• 22:05
  Speaker 1: credit actually works because it's gonna hurt your business. Like
• 22:08
  Speaker 1: credit cards, actually, credit cards wouldn't make money every single
• 22:12
  Speaker 1: person paid off their credit card every single month, there's
• 22:14
  Speaker 1: no balance. They make money off interest for people that
• 22:17
  Speaker 1: don't pay it off, right, So that goes back to
• 22:20
  Speaker 1: lack of financial understanding, literacy and not fully knowing the
• 22:27
  Speaker 1: system and how it actually works. So it's in their
• 22:29
  Speaker 1: best interest to you know, keep that system going and
• 22:32
  Speaker 1: where it is working. Um So, why why would they
• 22:35
  Speaker 1: you know go out of their way to advocate to
• 22:38
  Speaker 1: educate people to try to you know, hurt their bottom line,
• 22:42
  Speaker 1: hurt their revenue. And that's across the board. I mean,
• 22:44
  Speaker 1: if you look at Wall Street, Wall Street makes a
• 22:46
  Speaker 1: lot of money from uneducated people or people that just
• 22:49
  Speaker 1: blindly trust whoever they're investing, where it's not really in
• 22:52
  Speaker 1: their best interests to have people educated. And that's every
• 22:56
  Speaker 1: single interest. I could just you know, go down the
• 22:58
  Speaker 1: whole real estate everything. So I just feel that, um,
• 23:01
  Speaker 1: you know, it's one of these things that has never
• 23:03
  Speaker 1: been pushed, and we have something that's already in place
• 23:07
  Speaker 1: where it's like, okay, this is math, reading science, you know,
• 23:11
  Speaker 1: the core curriculum, and you know, people just are reluctant
• 23:15
  Speaker 1: to change, and we just kind of accept things as
• 23:18
  Speaker 1: they are because it's the norm. It's been that way
• 23:21
  Speaker 1: for a long time, and we don't really question it,
• 23:23
  Speaker 1: like why are we still learning about astrology that might
• 23:26
  Speaker 1: not be the best use of our time, or like
• 23:29
  Speaker 1: dissecting and frog might not be the best use of
• 23:31
  Speaker 1: our time if we're not going to be a you know,
• 23:33
  Speaker 1: a surgeon or you know, study biology in college, which
• 23:36
  Speaker 1: very few people do. Financial literacy should probably be core
• 23:39
  Speaker 1: curriculum and that stuff can be an elector. So why
• 23:51
  Speaker 1: did you choose financial litter financial advisory? Um? Well, I
• 23:55
  Speaker 1: never had a real job, Like I always wanted to
• 23:57
  Speaker 1: be in business my whole life, and I knew I
• 23:59
  Speaker 1: could never work for anybody. I didn't really have the
• 24:02
  Speaker 1: temperament to actually, you know, conformed to a regular type
• 24:05
  Speaker 1: of job. So at the time, you know, I used
• 24:08
  Speaker 1: to play basketball, so that was my first goal was
• 24:12
  Speaker 1: to you know, play professional basketball, and that didn't work out.
• 24:14
  Speaker 1: So I came back home after college and I'm like,
• 24:16
  Speaker 1: I gotta kind of pickure something out. So I took
• 24:18
  Speaker 1: a job with an insurance company, commission based job, which
• 24:22
  Speaker 1: is relatively easy to get because you know, most people
• 24:24
  Speaker 1: in commission Jay's job, especially that that industry, don't make it.
• 24:27
  Speaker 1: So it's not it's not really hard to get hired,
• 24:30
  Speaker 1: it's just hard to make it. So you know, I
• 24:32
  Speaker 1: got hired, and um studied and took my securities license
• 24:36
  Speaker 1: and my life insurance license, life and health license, and
• 24:39
  Speaker 1: then um, yeah, I just felt like that was kind
• 24:41
  Speaker 1: of like the easiest route for me to get in
• 24:43
  Speaker 1: because I didn't study business in college. I didn't go
• 24:45
  Speaker 1: to like an Ivy League school, so I couldn't just
• 24:47
  Speaker 1: go and work on Wall Street and you know, working
• 24:50
  Speaker 1: like a marketing firm, I could have made like, you know,
• 24:52
  Speaker 1: thirty thousand dollars a year. That wasn't really appealing to me.
• 24:54
  Speaker 1: So I'm like, what's the best way that I could
• 24:55
  Speaker 1: make some substantial money? But you know, and my greet
• 24:59
  Speaker 1: my degree was a community cations degree, So just regular
• 25:02
  Speaker 1: like liberal arts degree from a state university. It's not
• 25:04
  Speaker 1: something that I feel like gonna get you too far.
• 25:07
  Speaker 1: So that was kind of how I saw my only
• 25:10
  Speaker 1: entry into the business world. And um, yeah, that was
• 25:14
  Speaker 1: taken from there. So when it comes to me personally,
• 25:19
  Speaker 1: how I learned about my whole financial literacy struggle. Um,
• 25:23
  Speaker 1: I think my first lesson I had my first company
• 25:27
  Speaker 1: when I was twenty one, and my first real lesson
• 25:32
  Speaker 1: was not paying taxes. And I got leans on everything
• 25:37
  Speaker 1: that I owned, which wasn't much, but it still taught
• 25:40
  Speaker 1: me a very valuable lesson about profit and law statements,
• 25:45
  Speaker 1: paying taxes. You know, I know we're always jumping to
• 25:48
  Speaker 1: create like corporations, LLCs, C corps, es corps or what
• 25:51
  Speaker 1: have you. But you know a lot of people say,
• 25:55
  Speaker 1: go out there and start at LLC or a corporation,
• 25:58
  Speaker 1: but there's all these responsibilities that also come with it.
• 26:02
  Speaker 1: And so I was young and and I got hit
• 26:05
  Speaker 1: that way. And then I think the second time, I
• 26:06
  Speaker 1: think one of my mentors was like, you know, your
• 26:09
  Speaker 1: company is doing very well, but if your company dies tomorrow,
• 26:12
  Speaker 1: you're worth nothing. So you need to build that credit.
• 26:15
  Speaker 1: And I you know, the way I did it. I
• 26:17
  Speaker 1: think I bought a Range Rover. Okay, you know what
• 26:19
  Speaker 1: I'm saying, We're like a seventeen percent interest rate because
• 26:23
  Speaker 1: I think my credit was a zero at the time. Um.
• 26:25
  Speaker 1: And I was very upset about it because at that
• 26:27
  Speaker 1: point I started learning about it. So I was very ill, right.
• 26:29
  Speaker 1: But you know, my mentor at the time was like,
• 26:32
  Speaker 1: just take this one for the team, just to build
• 26:34
  Speaker 1: your credit and we could re refinance it or what
• 26:37
  Speaker 1: have you later. Um. But how what was your experiences
• 26:43
  Speaker 1: with financial literacy personally? Yeah, so min is early. Um,
• 26:48
  Speaker 1: like you you know, especially in my in my house,
• 26:51
  Speaker 1: it wasn't even talked about. We never talked about money.
• 26:53
  Speaker 1: And my parents, like I always say, like my dad
• 26:56
  Speaker 1: worked forty two years, but I couldn't tell you what
• 26:58
  Speaker 1: he did. I know he went to work on know
• 27:00
  Speaker 1: it was in Manhattan. I know it's an office building
• 27:01
  Speaker 1: and I visited a few times. But I couldn't tell
• 27:03
  Speaker 1: you exactly what he did. And so I had to
• 27:06
  Speaker 1: learn these things I had to learn from my peers.
• 27:08
  Speaker 1: I have to learn from myself. Um. And so like
• 27:10
  Speaker 1: most most people, uh, getting the credit card once you
• 27:12
  Speaker 1: get to school, you know, the first semester, you're walking
• 27:15
  Speaker 1: on the campus right in the cafeteria, just you know,
• 27:18
  Speaker 1: to come that. They're looking for their prey, right this
• 27:21
  Speaker 1: this financial prey, the financial prey. And so like students,
• 27:24
  Speaker 1: we have no money, some of us don't work, and
• 27:26
  Speaker 1: it's like, wait, I can get two hundred dollars, And
• 27:28
  Speaker 1: so I had to learn that very early. I would
• 27:30
  Speaker 1: spend it. I would use the two hundred. They were
• 27:32
  Speaker 1: increase it, I'll use it just fore up to a
• 27:34
  Speaker 1: thousand to a point. It was just like wait, what
• 27:36
  Speaker 1: is again? On it um? And then learning student loan.
• 27:42
  Speaker 1: You know a lot of people don't even realize what
• 27:44
  Speaker 1: it is until they get on campus, which is kind
• 27:46
  Speaker 1: of why we had the program. Was like, let's teach
• 27:48
  Speaker 1: these kids early so they're prepared for the biggest financial decision.
• 27:51
  Speaker 1: At seventeen eight years old. Nobody told us. I was like, wait,
• 27:54
  Speaker 1: I can I can't go to school. Oh sign these papers?
• 27:57
  Speaker 1: Oh wait, you're gonna be my co signer? I had
• 27:59
  Speaker 1: no I did with all that? Man, what is fast for? Wait,
• 28:01
  Speaker 1: the more money my parents made, the lesson I can give.
• 28:04
  Speaker 1: All Right, all these lessons are happening in real time,
• 28:07
  Speaker 1: and we have to make these real decisions. But I'm
• 28:09
  Speaker 1: eighteen years old. I'm like, all right, I guess until
• 28:12
  Speaker 1: you start realizing weight the career I'm going after and
• 28:16
  Speaker 1: the room that I owe, I'm not having gonna pay
• 28:19
  Speaker 1: this hole. And so those type of lessons happened really early.
• 28:23
  Speaker 1: And then obviously the credit card situation, it was like, Okay,
• 28:27
  Speaker 1: this is what this, this is what interest rates are right,
• 28:31
  Speaker 1: this is what like you said again, taxes. I started
• 28:33
  Speaker 1: working when I was in school. Wait, I can't go
• 28:36
  Speaker 1: away to school, like, I don't think my parents can
• 28:38
  Speaker 1: afford this. I gotta make this decisions. I gotta stay home.
• 28:40
  Speaker 1: I gotta live here. I gotta figure out how I'm
• 28:42
  Speaker 1: gonna get everywhere. I gotta buy a car, like wait,
• 28:44
  Speaker 1: I gotta get car instruss, all these lessons that no
• 28:46
  Speaker 1: one's telling you about. I was just kind of learning
• 28:49
  Speaker 1: on the fly, like making these decisions, and like some
• 28:51
  Speaker 1: of them were poor, like the credit card when I
• 28:53
  Speaker 1: think it ran up. I started with two limit. I
• 28:55
  Speaker 1: think I got it up to like ten thousand, and
• 28:58
  Speaker 1: by the time I stopped using it, They're like, uh,
• 29:01
  Speaker 1: you just because the interests kept growing and growing growing,
• 29:05
  Speaker 1: And I was like I can't make the faments. I
• 29:06
  Speaker 1: can't And I was like, all right, now what I
• 29:11
  Speaker 1: feel like there's a lot of misconceptions when it comes
• 29:15
  Speaker 1: to credit cards used. You handled yours very well compared
• 29:18
  Speaker 1: to my first credit card, because you got to the
• 29:22
  Speaker 1: increased limit part. I was taught, like I think most
• 29:25
  Speaker 1: young people are taught well credit cards are use those
• 29:29
  Speaker 1: in case of emergencies. Now that I'm older, I don't
• 29:31
  Speaker 1: believe that you guys are the assets over reliabilities crew,
• 29:36
  Speaker 1: which is my favorite discussion in my household. I talked
• 29:39
  Speaker 1: about it so much with my friends. They probably roll
• 29:42
  Speaker 1: their eyes when I'm on the phone with them and Okay,
• 29:44
  Speaker 1: should go again. But when it comes to credit cards used, Okay,
• 29:49
  Speaker 1: assets versus liabilities? What is the best way to handle
• 29:52
  Speaker 1: and look at your credit card? Yeah, thank god? We
• 29:55
  Speaker 1: should use it for things that you need to like gas,
• 29:59
  Speaker 1: bro freeze things that's like part of your your daily routine,
• 30:03
  Speaker 1: and then try to pay it off and fourth at
• 30:04
  Speaker 1: the end of the month. That's the best way to
• 30:06
  Speaker 1: really go about it, because you know, using the credit
• 30:09
  Speaker 1: card on a consistent basis is gonna help you. It's
• 30:11
  Speaker 1: gonna help build your credit score. It's gonna help you
• 30:14
  Speaker 1: gain more credit um and it's something that you actually
• 30:17
  Speaker 1: need to build a credit history, credit profile, and credit
• 30:20
  Speaker 1: card is probably the easiest way to do that. So,
• 30:22
  Speaker 1: you know, credit cards aren't bad. It's just a lot
• 30:24
  Speaker 1: of times people use it for things that they don't
• 30:26
  Speaker 1: necessarily need, or they use it and they don't have
• 30:29
  Speaker 1: enough money to pay it back. So it's like, you know,
• 30:31
  Speaker 1: you just want to go to Miami. If you don't
• 30:33
  Speaker 1: have enough money, you just put it on the credit
• 30:34
  Speaker 1: card and just worry about it later. And it's like, okay,
• 30:36
  Speaker 1: the trip course and you're paying like a couple of
• 30:39
  Speaker 1: hundred dollars onto every single month, that's when you fall
• 30:42
  Speaker 1: in the problems. So the best way to use a
• 30:44
  Speaker 1: credit card is you know, paid off at the end
• 30:47
  Speaker 1: of the month and only use it for things that
• 30:49
  Speaker 1: you actually need. But it is tempting because you know,
• 30:51
  Speaker 1: especially as your as your limit increases, you know, you
• 30:55
  Speaker 1: got you know, tens thousands of dollars in your pocket
• 30:57
  Speaker 1: that you can really just do whatever you want with.
• 31:00
  Speaker 1: It becomes difficult to have, you know, discipline, so you
• 31:03
  Speaker 1: definitely gotta stay focused. I had my older brother, uh
• 31:08
  Speaker 1: he he was the first one I've ever seen that
• 31:11
  Speaker 1: made money off credit cards, and I was like, oh, brother,
• 31:14
  Speaker 1: you gotta have a mad discipline to make money off
• 31:16
  Speaker 1: a credit card. But yet, credit cards can be assets
• 31:19
  Speaker 1: or they could be liabilities depending on how you use
• 31:23
  Speaker 1: them quickly. Right, Um, when it comes to predatory lending,
• 31:29
  Speaker 1: one of my biggest pet peeves, Like nothing irritates I
• 31:32
  Speaker 1: don't even get road range, but if I hear an
• 31:34
  Speaker 1: ad on the radio, that's like, Susie, I couldn't afford
• 31:38
  Speaker 1: my rent this month. Yeah, we have no money and
• 31:40
  Speaker 1: all our credit cards are maxed up? What do you
• 31:42
  Speaker 1: think we should do? Well? They got fast paid call
• 31:46
  Speaker 1: this number. Like literally, I like my brain cells exploding
• 31:50
  Speaker 1: my brain and I'm just like thoroughly frustrated, Like how
• 31:54
  Speaker 1: this is even legally able to be advertised on the radio.
• 31:58
  Speaker 1: And then I also think the problem, Soothie and Tom,
• 32:02
  Speaker 1: isn't that you need more money. The problem is your overhead,
• 32:07
  Speaker 1: your whole financial structure is clearly there's a lot going
• 32:11
  Speaker 1: on there. How do you feel about predatory lending in
• 32:14
  Speaker 1: those scenarios? Yeah, I mean it's definitely it's an issue,
• 32:18
  Speaker 1: and it's something that, um, you know a lot of
• 32:21
  Speaker 1: people aren't even aware of it like that they actually
• 32:23
  Speaker 1: didn't taken advantage of even if you look at like, uh,
• 32:26
  Speaker 1: check cash in places, you know you pay, you pay
• 32:29
  Speaker 1: money just to actually get your money. And that's something
• 32:32
  Speaker 1: that like, you know, when I had when I was
• 32:34
  Speaker 1: working as a counselor and I was a little kid.
• 32:36
  Speaker 1: You know, everybody we just go to the check hash
• 32:38
  Speaker 1: in place, and you think about it, but it was
• 32:40
  Speaker 1: like we could have just opened a bank account and
• 32:42
  Speaker 1: depositive to checks and not have to pay any money.
• 32:45
  Speaker 1: Or you're paying five dollars out of a check that's
• 32:47
  Speaker 1: two hundred dollars and you're not think about it at
• 32:50
  Speaker 1: the time, but that adds up. And you never see
• 32:52
  Speaker 1: check cash in places in anywhere except for poor and
• 32:54
  Speaker 1: working class neighborhood. I've never seen a check cash in
• 32:57
  Speaker 1: place in Oriach neighborhood. So well, a lot of I
• 33:00
  Speaker 1: think two people go to check cash in places. Is
• 33:04
  Speaker 1: another lesson I had to learn the hard way. It's
• 33:08
  Speaker 1: check systems. Check systems is when you guys are familiar
• 33:12
  Speaker 1: where you over withdraw your bank account, or if you're
• 33:15
  Speaker 1: lucky like me, there's some body in the neighborhood that's
• 33:19
  Speaker 1: willing to say, oh, cash is checking your bank account
• 33:21
  Speaker 1: and give me the money. And you know check systems.
• 33:24
  Speaker 1: You know, once you end up in check systems, you
• 33:26
  Speaker 1: can't open a bank account. And uh, A lot of
• 33:29
  Speaker 1: people fall prey to check systems because again miss mismanaging
• 33:33
  Speaker 1: money and they don't have the option to open a
• 33:35
  Speaker 1: bank account again, and then they're relying on predatory lending
• 33:38
  Speaker 1: to move the needle forward. Yeah, that's why the education
• 33:41
  Speaker 1: piece is so important. It's so like imagine having it
• 33:44
  Speaker 1: at nine years old, ten years old, understanding that you
• 33:48
  Speaker 1: know what I mean, like, you're less likely to make
• 33:50
  Speaker 1: those mistakes as you get older that you're still gonna
• 33:52
  Speaker 1: make some mistakes, um, but you're less likely to write
• 33:55
  Speaker 1: when you know these things in place. So that's why
• 33:57
  Speaker 1: it's important, Like anytime we get to be around youth,
• 33:59
  Speaker 1: tell them that, even around our own kids, Like when
• 34:02
  Speaker 1: I go to the bank sometimes my son comes with
• 34:04
  Speaker 1: mean bills. He's with me. If I'm at a restaurant
• 34:08
  Speaker 1: and he's was taxed, he's a lesson. So teaching them
• 34:11
  Speaker 1: the lessons as early as possible was vitally important because yeah,
• 34:14
  Speaker 1: I mean, I seem like they understand it and they
• 34:16
  Speaker 1: don't get it, but they're at least familiar with the terms.
• 34:18
  Speaker 1: You know what I mean. Yeah, I when I heard
• 34:21
  Speaker 1: about Earn your Leisure. First of all, I'm a huge
• 34:24
  Speaker 1: entrepreneurship fan, huge financial literacies fans. So you could imagine
• 34:29
  Speaker 1: if I get frustrated over radio at how excited I
• 34:31
  Speaker 1: am about Earn your Leisure. I was extreme, Like we
• 34:35
  Speaker 1: have all different types of guests, but I was a
• 34:38
  Speaker 1: nervous and excited when I was like, oh, dare in town.
• 34:41
  Speaker 1: We gotta get them. And then you guys actually gave
• 34:44
  Speaker 1: me some time out of your schedule. But what you
• 34:47
  Speaker 1: guys are doing has a huge ripple effect because I
• 34:51
  Speaker 1: think in the black community, you know, we talked about
• 34:53
  Speaker 1: having money, having cars, having jewelry, having all these nice things,
• 34:56
  Speaker 1: but nobody wants to talk about how to achieve those
• 35:01
  Speaker 1: things and break it down in a discipline. I say, since,
• 35:06
  Speaker 1: and you guys are not just reaching youth. Now, you
• 35:08
  Speaker 1: guys are reaching masses, and so your footprint is like
• 35:12
  Speaker 1: forever going to create a ripple effect. Now, generational wealth
• 35:21
  Speaker 1: is something that I feel like has impacted the Black community.
• 35:27
  Speaker 1: Nobody really talks about. We talked about slavery, we talk
• 35:29
  Speaker 1: about Jim Crow, but we're not talking about generational wealth enough. Um,
• 35:34
  Speaker 1: how do you guys feel about the bank's responsibilities in
• 35:40
  Speaker 1: the lack of general general the generational wealth in the
• 35:45
  Speaker 1: black community. It's important to understand our relationship with with banks.
• 35:51
  Speaker 1: I'm one of the things we did with our communities.
• 35:53
  Speaker 1: Like we read a book called The Color of Money
• 35:56
  Speaker 1: and explains about the history of of of Black America
• 36:00
  Speaker 1: kins and the late eighteen hundreds, early nineteen hundreds about
• 36:06
  Speaker 1: how you know, we used to invest in the bank
• 36:08
  Speaker 1: and you know the banquet invests in the railroad system,
• 36:13
  Speaker 1: and you know we lost all our money in the
• 36:14
  Speaker 1: railroad system. So understanding the history before we even get
• 36:18
  Speaker 1: to the present is important. Understanding the mistrust and so
• 36:21
  Speaker 1: understand where it came from. Um is important. But you know,
• 36:25
  Speaker 1: the banks again, when we when we look at it,
• 36:28
  Speaker 1: we've been taught to put our money in the bank
• 36:30
  Speaker 1: so we could save money. Put our money in the bank,
• 36:32
  Speaker 1: save money, put money in the bank, save money. What
• 36:35
  Speaker 1: they don't tell us is that when we put our
• 36:37
  Speaker 1: money in the bank, the bank actually uses it right.
• 36:40
  Speaker 1: And so anytime like if you ever go to the
• 36:42
  Speaker 1: bank and try to make a withdrawal for anything over
• 36:45
  Speaker 1: five dollars. If you if you have any account, they're
• 36:48
  Speaker 1: going to tell you, oh, wait, we need a few days.
• 36:51
  Speaker 1: We need a few days for us to clear that
• 36:53
  Speaker 1: type of money. And so you never wonder like, wait,
• 36:56
  Speaker 1: why would they need that if this is the bank.
• 36:58
  Speaker 1: What they're doing is they're landing your money and make
• 37:00
  Speaker 1: can interest so for your money. And so rather than
• 37:02
  Speaker 1: telling especially in West Indians like Saves says they're saved.
• 37:06
  Speaker 1: That's one route. But yeah, we should be investing as
• 37:08
  Speaker 1: well because we're probably gonna make more money in our investments.
• 37:12
  Speaker 1: Then we're all going to have in an interest that
• 37:14
  Speaker 1: the bank's going to give us with the money that
• 37:15
  Speaker 1: we saved inside our accounts. And so understanding that the
• 37:18
  Speaker 1: mistrust from our history with the bank system for understanding
• 37:22
  Speaker 1: how we can use money and understand money to make
• 37:24
  Speaker 1: sure that we're taking advantage of it and having it
• 37:27
  Speaker 1: work for us rather than having the bank use it
• 37:29
  Speaker 1: so we can work for them. Yeah. So, but when
• 37:32
  Speaker 1: it comes to black people and banks, I personally feel
• 37:37
  Speaker 1: like the banks play a huge role and where we're
• 37:40
  Speaker 1: as a community. You know, I have neighbors on my
• 37:43
  Speaker 1: block that owned homes that were given their homes. Right
• 37:46
  Speaker 1: these are million dollar homes in Los Angeles, just gifted
• 37:50
  Speaker 1: to them. We don't have those same opportunities because banks,
• 37:53
  Speaker 1: you know, wouldn't lend to us. And then you have
• 37:56
  Speaker 1: the issue and you guys have talked about this too.
• 37:59
  Speaker 1: Is that bank you know in certain areas they're saying
• 38:01
  Speaker 1: that the house is worth less or you know, the
• 38:03
  Speaker 1: prais of value or what have you. So do you
• 38:08
  Speaker 1: do you feel a little bit of something towards me?
• 38:12
  Speaker 1: I personally think that they should play a role of reparations.
• 38:14
  Speaker 1: I feel like there's no system that hasn't played a
• 38:16
  Speaker 1: part in that, Like, you know, even what you're talking about,
• 38:18
  Speaker 1: what the housing discrimination and the insurance companies played a
• 38:21
  Speaker 1: partner as well, because insurance companies went insured the homes
• 38:24
  Speaker 1: and black neighborhoods, so that played a part. And then
• 38:27
  Speaker 1: even going back further than that with slavery, like insurance companies,
• 38:31
  Speaker 1: a lot of them New York Life, a lot of
• 38:33
  Speaker 1: these companies got their start insuring slaves. Wall Street was
• 38:38
  Speaker 1: the first commodity traded on Wall Street with slaves, So
• 38:42
  Speaker 1: that's actually a slave marketplace where Wall Street is right now. Um,
• 38:47
  Speaker 1: so I mean, if you you you can't name anything American.
• 38:50
  Speaker 1: The whole American structure was built on racism. So if
• 38:54
  Speaker 1: racism is a dealbreaker, you just got to move outside
• 38:56
  Speaker 1: the country. Because I feel like everybody is responsible for
• 39:00
  Speaker 1: or the the polite of black people in America, every
• 39:04
  Speaker 1: single every single industry. There's no industry that has not
• 39:07
  Speaker 1: taken advantage of it, from real estate to banks to
• 39:11
  Speaker 1: insurance companies. I mean, it's been documented. It's not even
• 39:14
  Speaker 1: like a secret. It's not like a conspiracy theory. Like
• 39:16
  Speaker 1: it's literally you could just google it and just find
• 39:17
  Speaker 1: the information. It's right there, and everybody has benefited except
• 39:21
  Speaker 1: for the people that actually, you know, was the ones
• 39:23
  Speaker 1: that got taken advantage of. So I feel like, you know,
• 39:26
  Speaker 1: now we're in a time and place where racism is
• 39:28
  Speaker 1: always gonna be there. Unfortunately, I just feel like that's
• 39:30
  Speaker 1: just in the fabric of this country. But you know,
• 39:33
  Speaker 1: it is what it is. We gotta, you know, move
• 39:35
  Speaker 1: around it and figure it out to the best of
• 39:37
  Speaker 1: all abilities. And the housing thing that personally that happened
• 39:41
  Speaker 1: to me personally, So I spoke about that on one
• 39:43
  Speaker 1: of our early episodes where my Homer praise for lessen it.
• 39:47
  Speaker 1: It was brought for right where everything around there to
• 39:49
  Speaker 1: praise higher. So like a ten year span, my house
• 39:52
  Speaker 1: actually devalued in the same neighborhood for other houses appreciative
• 39:55
  Speaker 1: value right, And so what's the answer to that number one?
• 40:00
  Speaker 1: How do I know? I mean it was it was
• 40:01
  Speaker 1: a time current, so I had to get it done
• 40:03
  Speaker 1: at a certain time. But I could have afford it
• 40:05
  Speaker 1: and got another appraisal and got another appraisal to my liking.
• 40:07
  Speaker 1: The only things I didn't have time as an advantage.
• 40:09
  Speaker 1: But nobody told me that I could fight the appraisal
• 40:13
  Speaker 1: or you know what I mean, to have somebody to
• 40:14
  Speaker 1: do an independent appraisal or use a different brain to
• 40:17
  Speaker 1: have an appraisal. But that's why the education point is
• 40:19
  Speaker 1: valuely important? Or are we educating people that look like
• 40:22
  Speaker 1: us to be appraisers. That's a different way to look, right,
• 40:27
  Speaker 1: because a lot of times the people who are praising
• 40:28
  Speaker 1: our homes don't look like us. Or I mean, I'm
• 40:32
  Speaker 1: one of those people that like break through the window,
• 40:34
  Speaker 1: but like maybe just have your white home girl be
• 40:37
  Speaker 1: their journals. Yeah, So that that was like I saw
• 40:39
  Speaker 1: that that was there was a porter down on ABC
• 40:40
  Speaker 1: news where they took down the pictures they put a
• 40:43
  Speaker 1: white family up in the House of praise. But I
• 40:45
  Speaker 1: just show you what he said, right, if raised him
• 40:46
  Speaker 1: gonna be a dealbreaker, we need to leave. So how
• 40:48
  Speaker 1: do we combat it? Be educated? You know what, I
• 40:51
  Speaker 1: don't agree with this appraisal. Let me go to another institution.
• 40:54
  Speaker 1: Let me get an independent appraisal. Let me fight this appraisal.
• 40:57
  Speaker 1: Right if you have the time and the amount the
• 41:00
  Speaker 1: need to do it, because I know, like s seven
• 41:02
  Speaker 1: dollars he's trying to do it, but it might be
• 41:04
  Speaker 1: worth it if it's gonna put ten to a hundred
• 41:06
  Speaker 1: dollar dollars of value of equity back in your home.
• 41:09
  Speaker 1: And so knowing that going into the process is important,
• 41:11
  Speaker 1: but also educating people, like we tell young people we
• 41:14
  Speaker 1: need more representation. I haven't. I haven't had an appraisal
• 41:17
  Speaker 1: with somebody that looks like me. Well, yeah, so if
• 41:22
  Speaker 1: you and I were about to play a game, right,
• 41:24
  Speaker 1: and you know I historically cheat for years, Okay, you
• 41:29
  Speaker 1: either I feel as black people as a culture, we
• 41:32
  Speaker 1: either say okay, we know Johnny's gonna steal from us,
• 41:35
  Speaker 1: you know, and that your response is like, you know
• 41:37
  Speaker 1: what prepared for the stealing. Prepared, you know, have your
• 41:42
  Speaker 1: your your backups and your backups and your backups. After
• 41:45
  Speaker 1: the pandemic. One of the things that hit me, or
• 41:50
  Speaker 1: I was shocked by when it came to pandemic. And
• 41:53
  Speaker 1: I'm not a smart I wouldn't say I'm like smart
• 41:55
  Speaker 1: education like college student wise, I'm a college dropout. But
• 41:59
  Speaker 1: one of the things I was shocked, what was the bailouts.
• 42:02
  Speaker 1: I was like, oh, Ship, you know I always tell
• 42:04
  Speaker 1: my friends, I'm like, reparations are gonna happen. I promise
• 42:07
  Speaker 1: it's gonna happen one day, it's gonna happen. When the
• 42:10
  Speaker 1: bailouts happened, I said, oh, Ship, it's possible. Do you
• 42:14
  Speaker 1: think it's possible. It's always possible. I mean they're given
• 42:16
  Speaker 1: billions of dollars and ages to every every country all
• 42:19
  Speaker 1: over the world. You just name a country. Billion dollars here,
• 42:23
  Speaker 1: five billion dollars here, ten billion dollars here. So of
• 42:26
  Speaker 1: course they printed, they print money whenever they want money.
• 42:29
  Speaker 1: Why why do you think black people still haven't received it?
• 42:32
  Speaker 1: Because I feel like there's no there's no real need
• 42:35
  Speaker 1: for them to do it. There's no pressure, Like there's
• 42:38
  Speaker 1: no pressure on it. It's not going to make or
• 42:40
  Speaker 1: break the situation if they don't do it. Like it's
• 42:43
  Speaker 1: not something that is really like a political foreign to them.
• 42:46
  Speaker 1: It's just a noise in their ear. They don't really
• 42:49
  Speaker 1: have any real pressure. Politicians only only respect pressure. So
• 42:53
  Speaker 1: when it comes to the Black Lives Matter movement, we
• 42:56
  Speaker 1: saw a lot of pressure uh from brand stepping up
• 42:59
  Speaker 1: either supporting black business, spending more money with black business.
• 43:02
  Speaker 1: Even the Tabia from Revolts said that to spend for
• 43:06
  Speaker 1: black average for advertising on black networks increased. That pressure
• 43:11
  Speaker 1: was created from the George Floyd in the Black Lives Matter.
• 43:14
  Speaker 1: What kind of pressure do you think we can realistically
• 43:17
  Speaker 1: do to apply that to the rest of the world
• 43:21
  Speaker 1: to get reparations. I mean it comes down the unity.
• 43:25
  Speaker 1: You gotta first we have a united front. That's the
• 43:28
  Speaker 1: first thing. And then you know, you have to have
• 43:30
  Speaker 1: a real political agenda where it's like, you know, it's
• 43:34
  Speaker 1: something that you a economics is extremely important. So it's like,
• 43:39
  Speaker 1: you know, you put money behind a politician and that
• 43:42
  Speaker 1: politician is kind of like indebted to you, and that's
• 43:44
  Speaker 1: what that's how politics really work. And you have to
• 43:47
  Speaker 1: be able to you know, withhold your vote or vote
• 43:50
  Speaker 1: for vote for other parties. Like black people only vote
• 43:53
  Speaker 1: for Democratic Party. So if you only if of the
• 43:57
  Speaker 1: people is voting for the party, no matter what they do,
• 43:59
  Speaker 1: you're still go vote for him. So it's not really
• 44:01
  Speaker 1: a pressure where it's like you used to take. Like
• 44:03
  Speaker 1: the Jewish community, they might be split fift They got
• 44:06
  Speaker 1: people that vote for the Republican, They got people that
• 44:08
  Speaker 1: vote for the Democrats, whatever the agenda is, whatever they want.
• 44:12
  Speaker 1: You know, it's not blinded on just one particular party.
• 44:17
  Speaker 1: I think that's very dangerous when you just put all
• 44:19
  Speaker 1: your eggs in one basket. So you gotta spread, and
• 44:22
  Speaker 1: you gotta diversify in politics, and you gotta actually have unity,
• 44:28
  Speaker 1: and you gotta have you know, something that you can
• 44:30
  Speaker 1: actually withhold where it's like, okay, if you're not gonna
• 44:32
  Speaker 1: do this for us, this is what we're not going
• 44:34
  Speaker 1: to do for you, eat broke. So economics is always
• 44:46
  Speaker 1: a good thing. If you don't have economics, then you
• 44:48
  Speaker 1: withhold the voter, or you vote for somebody else's you know,
• 44:50
  Speaker 1: I don't have all the answers, but that's something that
• 44:53
  Speaker 1: you know. Until then, it's like you're not really in
• 44:55
  Speaker 1: a point of negotiation. You're gonna negotiate if you have
• 44:58
  Speaker 1: some level of strength other than that just kind of
• 45:00
  Speaker 1: like begging and asking, Yeah, I think I have an
• 45:02
  Speaker 1: aligned and uniform these are wanting our needs, right like,
• 45:06
  Speaker 1: and it has to be uniformed, like you said, like,
• 45:08
  Speaker 1: we can't like I want this unified front. This is
• 45:11
  Speaker 1: why I wants in our needs and we're gonna withhold
• 45:13
  Speaker 1: from that if we don't get these things and being
• 45:16
  Speaker 1: educated in the space. Right Like, if people aren't informed
• 45:19
  Speaker 1: about politicians and politicians and elections and who they're going for,
• 45:23
  Speaker 1: they'll just vote for anybody. Oh I'm supposed to vote,
• 45:25
  Speaker 1: so I vote vote today. You have no idea of
• 45:27
  Speaker 1: their gender, what they have planned for your community, even
• 45:30
  Speaker 1: on a local level, right, people aren't paying attention and
• 45:32
  Speaker 1: so they're not educating themselves in those areas, and so
• 45:34
  Speaker 1: it's like, Okay, how can we get anything done when
• 45:36
  Speaker 1: you don't even know who you're going for? So it
• 45:38
  Speaker 1: starts there, but it has it has to be uniformed.
• 45:40
  Speaker 1: Even like the Black Lives Matter situation and companies stepping
• 45:44
  Speaker 1: up for black businesses, right, it was a reaction to
• 45:48
  Speaker 1: something that happened. It wasn't like we're doing this because
• 45:51
  Speaker 1: you said these yere wants to needs. It was like, okay,
• 45:54
  Speaker 1: that was horrific. How can we answer that? Well, it
• 45:57
  Speaker 1: wasn't just that it was horrific. It was like the
• 45:58
  Speaker 1: whole world had to come to a stop. There we
• 46:00
  Speaker 1: had to be no sports distractions. But there was already stopped,
• 46:04
  Speaker 1: so everybody saw it. Not it wasn't enough that there
• 46:06
  Speaker 1: was protests here in the United States. It became a
• 46:08
  Speaker 1: protest that was around the world, right, so that that
• 46:11
  Speaker 1: changed things. But even now it was like companies are
• 46:15
  Speaker 1: saying they're going to do it, but we have to
• 46:16
  Speaker 1: figure out what have they done it? Have they support? Where?
• 46:19
  Speaker 1: Where is the documentation that you know, what if you
• 46:22
  Speaker 1: said that you were going to put a hundred billion
• 46:24
  Speaker 1: dollars towards black businesses, have you done it? Which where
• 46:27
  Speaker 1: are the businesses? And I saw this just clipped earlier.
• 46:30
  Speaker 1: It was it was interesting, like people keep talking about
• 46:32
  Speaker 1: support black businesses. It's bigger than support black businesses right
• 46:36
  Speaker 1: by in black businesses, bigger than support purchasing and help
• 46:39
  Speaker 1: them fund them, right you know, I mean because if
• 46:42
  Speaker 1: we don't then we don't have our businesses and then
• 46:45
  Speaker 1: we can't come with an economic front, and we can't
• 46:47
  Speaker 1: have lobbyists, and we can't have politicians to say, all right,
• 46:50
  Speaker 1: this is what If you don't do these things, we're
• 46:52
  Speaker 1: not voting. That's how change happens. So we're coming to
• 46:57
  Speaker 1: an end of this interview that I never want to end.
• 47:00
  Speaker 1: Um and we gotta do taste tests. So Rashod and Stroy,
• 47:07
  Speaker 1: I'm just gonna take this half off your plate. I'm
• 47:09
  Speaker 1: going to have you there. We cut this one a
• 47:13
  Speaker 1: lot better than that one, So go with this. This
• 47:15
  Speaker 1: is neat Okay. So who are we going to try
• 47:18
  Speaker 1: it first? Okay, So we're gonna go with Rashads first.
• 47:24
  Speaker 1: So we got the tuna sandwich with the male catchup
• 47:28
  Speaker 1: and potato chips. Everybody on wheat bread here, very important,
• 47:36
  Speaker 1: elite level level, exactly elite. I love how he's advertising
• 47:43
  Speaker 1: how good his sandwiches when jasually not bad. I think
• 47:48
  Speaker 1: the chips is what really said. I'm trying to get
• 47:50
  Speaker 1: a bigger piece of chip right on the second bike.
• 47:52
  Speaker 1: And you know what, I would have never thought catch
• 47:54
  Speaker 1: up on tuna. Nobody ever thinks of it. I'm not
• 47:57
  Speaker 1: gonna lie. I do think this is this is pretty
• 48:01
  Speaker 1: damn good. I think the chips I don't know, And
• 48:04
  Speaker 1: it could be the toasted Bresson's gonna be the first
• 48:06
  Speaker 1: one in the in the cookbook. O what I made
• 48:12
  Speaker 1: this in the middle night? Bring memory, I've got to
• 48:16
  Speaker 1: play my palate. I will say that the only difference
• 48:21
  Speaker 1: I would do there's maybe mixing the tuna. And that
• 48:28
  Speaker 1: was only because it's a little dry. Well you know
• 48:31
  Speaker 1: what we used to but I couldn't think of it.
• 48:34
  Speaker 1: But I used to get this tuna. It was like
• 48:38
  Speaker 1: an oil based tuna. But I forgot the name of it.
• 48:41
  Speaker 1: So if I was sending him to picture, I was
• 48:43
  Speaker 1: trying to google the name of it. But and so
• 48:47
  Speaker 1: that made the tune a lot more moist. And now
• 48:50
  Speaker 1: that was like that was my secret source in the
• 48:53
  Speaker 1: whole situation. So a lot of well, I think a
• 48:56
  Speaker 1: lot of the listeners know by now that I do shop.
• 48:58
  Speaker 1: I did see your picture of the tuna with the oil.
• 49:01
  Speaker 1: I didn't know if you were just saying, get this
• 49:05
  Speaker 1: brand tuna, but I could not find that brand with
• 49:07
  Speaker 1: the oil. And I was like, I'm pretty sure this
• 49:09
  Speaker 1: oil means something. But I was like brand or oil,
• 49:13
  Speaker 1: and I chose brand but I'll give you a pass. Okay,
• 49:17
  Speaker 1: I'll give you a pass. Oil and oil is important
• 49:20
  Speaker 1: because it adds a whole different flavor to it. Here
• 49:22
  Speaker 1: we go, Okay, here we go. I took a swig
• 49:24
  Speaker 1: of water. Now it's Troy's pizza bagel. Here we go. Hmm,
• 49:38
  Speaker 1: my bread is too soft. I love how Rashad is
• 49:42
  Speaker 1: semi hating over He's like, okay, so I wish when
• 49:51
  Speaker 1: you think I like that his brad was This brad
• 49:55
  Speaker 1: is pretty soft. Called my bagel a brand? I need
• 49:59
  Speaker 1: a little I need a little function. Tell me about
• 50:06
  Speaker 1: the flavor. Flavor wise great. I think if I hadn't
• 50:11
  Speaker 1: talked so much, we would have had more of the
• 50:14
  Speaker 1: melty cheese versus the you know, I was kind of
• 50:18
  Speaker 1: looking forward to this whole melted cheese moment. Flavor wise,
• 50:21
  Speaker 1: it's great. What I eat again? Hell yeah, um, I've
• 50:28
  Speaker 1: chased the garlic, the reg and old basil. It feels
• 50:32
  Speaker 1: like a real pizza image. I put this on hearto bread.
• 50:39
  Speaker 1: That should have been a Jamaican part. I should have
• 50:41
  Speaker 1: used the heart o bread. I think both are good.
• 50:46
  Speaker 1: Which one do you? What do you think? Well, you know,
• 50:49
  Speaker 1: I'm partial to the tuner and and I'm actually handicapped
• 50:51
  Speaker 1: in a situation because I didn't get the right ingredients
• 50:53
  Speaker 1: at the oil. But you know, that just brings back
• 50:56
  Speaker 1: so many memories for me, and this is good. It
• 50:58
  Speaker 1: tastes like school, Like school lunch is taking shots. So
• 51:04
  Speaker 1: I'm gonna I'm gonna end the debates for everyone listening.
• 51:10
  Speaker 1: I ain't gonna lie. I preconceived thought the tuna was
• 51:14
  Speaker 1: absolutely going to suck that looking at it, it looked
• 51:18
  Speaker 1: like it was going to suck. Now Troy's looked like
• 51:22
  Speaker 1: it was gonna be amazing, and he was gonna stomp
• 51:25
  Speaker 1: all over the tuna. But Troy, don't kill me. It's okay,
• 51:30
  Speaker 1: But the tuna actually beat it. I just lost my my,
• 51:33
  Speaker 1: my tuna bagel. I want to apologize to his granda home.
• 51:37
  Speaker 1: That teacher expectations. That's yeah, I don't know. I don't know.
• 51:46
  Speaker 1: It's crazy because the pizza bagel is really good. But
• 51:50
  Speaker 1: it could be the share shock that the tuna sand
• 51:53
  Speaker 1: was going to be. They didn't you think the tuna
• 51:55
  Speaker 1: sandwich was gonna be tryed, So when you saw the catchup,
• 51:59
  Speaker 1: you know those two things. I don't even think I
• 52:01
  Speaker 1: got catch up in my fight. So I'm okay with
• 52:04
  Speaker 1: that because I didn't have any absolutely amazing that the
• 52:08
  Speaker 1: catchup and the and that just come from years of
• 52:12
  Speaker 1: just trying different things. You know, life's about taking risk.
• 52:15
  Speaker 1: But look, he's over here, like he got a belt
• 52:19
  Speaker 1: over this. So to close out, I did want to
• 52:22
  Speaker 1: talk about a bunch more stuff, But to close out,
• 52:25
  Speaker 1: I really want to challenge you guys, to put you
• 52:27
  Speaker 1: on the spot. You cannot walk away from this interview
• 52:29
  Speaker 1: without answering this question. Let's do it. If we had
• 52:33
  Speaker 1: to choose a spokesperson, it goes back to representation, putting pressure.
• 52:40
  Speaker 1: Who from our culture would you choose to represent us.
• 52:45
  Speaker 1: I think that that's part of the problem with black
• 52:48
  Speaker 1: people is that we have my sire complex like we've
• 52:51
  Speaker 1: always been you know, we've been spoiled with leadership. As
• 52:54
  Speaker 1: my guy nineteen Key says, it's like when you think
• 52:56
  Speaker 1: about black people, you think about strong leadership, from Malcolm
• 52:59
  Speaker 1: mag to Marcus Garvey to Muhammad Ali to Malcolm X.
• 53:06
  Speaker 1: I said, I think, I said, yeah, So it's like
• 53:09
  Speaker 1: we've always had leadership. But the problem with malign on
• 53:12
  Speaker 1: the leaders that it's too easy to to kill literally
• 53:14
  Speaker 1: and figuratively kill one person and then when you cut
• 53:18
  Speaker 1: the head off in the whole body, no false apartment.
• 53:20
  Speaker 1: When you think about like the Asian community, Um, can
• 53:23
  Speaker 1: you name like twenty leaders? Can you name five leaders
• 53:26
  Speaker 1: in the last hundred years in the Asian community? No,
• 53:28
  Speaker 1: but to play devil's advocate, I totally disagree. Hard to
• 53:32
  Speaker 1: go into debate on this because those men that you
• 53:35
  Speaker 1: named were able to move the needle forward. And and
• 53:41
  Speaker 1: not only were they able to move the needle forward,
• 53:43
  Speaker 1: those guys, the question is is who would you choose
• 53:46
  Speaker 1: as a spokesperson. Yeah, I think even that it's kind
• 53:49
  Speaker 1: of tricky because the spokesperson comes with responsibilities leadership, and
• 53:53
  Speaker 1: it comes with hate to people like to just you know,
• 53:55
  Speaker 1: tear somebody down when they reach out to point. I
• 53:58
  Speaker 1: feel like we all should be leaders, and I feel like,
• 54:00
  Speaker 1: you know, leadership starts at the household and and you know,
• 54:04
  Speaker 1: self responsibility of not relying. Even like me, I'm not
• 54:07
  Speaker 1: really into politics too much because I want to rely
• 54:09
  Speaker 1: on government or anybody. I feel like I have to
• 54:12
  Speaker 1: rely on myself and I feel like, you know, self
• 54:15
  Speaker 1: responsibility and self accountability is extremely important. Self accountability and
• 54:20
  Speaker 1: self responsibility is more important than leadership, more important than
• 54:23
  Speaker 1: a spokesperson. But as an entrepreneur, I'm one of those
• 54:28
  Speaker 1: believers that there's no one on my team that is
• 54:32
  Speaker 1: more important than the next. Whether the person is mopping
• 54:35
  Speaker 1: the floor, taking the pictures, editing, or whoever, including me,
• 54:38
  Speaker 1: they are not, they are not, and no one's lease.
• 54:42
  Speaker 1: But I do know that my team won't run efficiently
• 54:46
  Speaker 1: if there isn't a leader. No, I'm not, I'm not.
• 54:48
  Speaker 1: I'm not. I'm not saying that I'm opposed to leadership
• 54:51
  Speaker 1: because I think that there. Of course, it's human nature
• 54:53
  Speaker 1: that you always have to have some level of leadership.
• 54:56
  Speaker 1: I just think the focus shouldn't be on leadership. I
• 54:58
  Speaker 1: think we focus too much leadership, like who's the next leader,
• 55:01
  Speaker 1: Who's the next black leader, Who's going to be the spokesperson?
• 55:04
  Speaker 1: That will just come organically from people that will just
• 55:07
  Speaker 1: rise the cream on always rise to the top. But
• 55:09
  Speaker 1: that shouldn't be the focus. The focus should be how
• 55:12
  Speaker 1: can we save our household? How can we build stromping families?
• 55:14
  Speaker 1: How can we support black businesses? How can we have
• 55:17
  Speaker 1: group economics? How can we educate ourselves? How can we
• 55:20
  Speaker 1: you know these are things? How can we become more
• 55:22
  Speaker 1: healthier even eating food, Like you know, these are things
• 55:25
  Speaker 1: like diabetes and stuff that runs in our communities rampant.
• 55:28
  Speaker 1: So I feel like the leadership is not a bad thing,
• 55:31
  Speaker 1: but I think we focus too much on that. It
• 55:35
  Speaker 1: goes back like even in the school system, right, My
• 55:38
  Speaker 1: model was always like I was a physic teacher, right,
• 55:41
  Speaker 1: and so I always tell people about the expectation. What
• 55:43
  Speaker 1: do you expect the physic that teacher, what do you
• 55:44
  Speaker 1: expect from them? Right? They could be the coach, athletic director.
• 55:47
  Speaker 1: My model was just like lead from when you are,
• 55:49
  Speaker 1: Like lead from where you are, because what he's saying,
• 55:51
  Speaker 1: there's a lot of truth to it, right when we
• 55:53
  Speaker 1: see people rise to the top, and Barack Obama is
• 55:55
  Speaker 1: a perfect example there. We saw how he was treated,
• 55:59
  Speaker 1: how they try to, you know, throw dirt on the
• 56:02
  Speaker 1: position because whoever he was. And what it does to
• 56:06
  Speaker 1: a younger generation is they almost look at it like
• 56:08
  Speaker 1: why would I want to be that? Why would I
• 56:10
  Speaker 1: want to aspire to be that? If that comes with it.
• 56:12
  Speaker 1: I'm not saying that it's not obviously a very very
• 56:14
  Speaker 1: important job that comes through a lot of responsibilities. It's like,
• 56:17
  Speaker 1: if that's going to happen when I get there, Why
• 56:18
  Speaker 1: would I want to be there? This match is so
• 56:21
  Speaker 1: important because it's like, who is the leader of especially
• 56:23
  Speaker 1: in our space, who's the leader of financial literacy? You
• 56:26
  Speaker 1: don't know who the leader is. What's more important is
• 56:28
  Speaker 1: the education that they're getting. Right. So if any day
• 56:31
  Speaker 1: that we stopped doing earner leisure, right, you've gotten so
• 56:33
  Speaker 1: much information that you can lead your community. She's got
• 56:36
  Speaker 1: so much information that she can lead her community. So
• 56:39
  Speaker 1: does he, And so you don't really have a leader,
• 56:41
  Speaker 1: you have a You built a community of leaders that
• 56:44
  Speaker 1: can actually execute on information and pass it onto the
• 56:46
  Speaker 1: next generation. Because what the men and women that he mentioned,
• 56:50
  Speaker 1: they are vitally important to the black excellence that that
• 56:56
  Speaker 1: we're allowed to continue, right, But when they died, was
• 57:00
  Speaker 1: their mission continue to the the way they saw it?
• 57:03
  Speaker 1: We don't know. All we know is what they laid
• 57:05
  Speaker 1: out for us and what we need to add to
• 57:07
  Speaker 1: it to continue and in the excellence that was stow before.
• 57:11
  Speaker 1: So it was like, all right, let let's just keep
• 57:12
  Speaker 1: doing we're doing eve from where we are and and
• 57:15
  Speaker 1: turn everybody around. This will get the information and if
• 57:18
  Speaker 1: there's no us, the information education will always do on. Okay, well,
• 57:24
  Speaker 1: you guys put me in a position I definitely disagree, Um,
• 57:27
  Speaker 1: but I only disagree, and I have nothing but love
• 57:31
  Speaker 1: for you guys, UM, because you guys play such a
• 57:37
  Speaker 1: pivotal role in our community culturalized black, white brown. It
• 57:41
  Speaker 1: doesn't really matter because you're talking financial literacy and we
• 57:43
  Speaker 1: all need help, and you're talking education. We all need
• 57:46
  Speaker 1: that guidance. When I think about reparations. MLK is like,
• 57:52
  Speaker 1: you know, I have a couple people that I think
• 57:54
  Speaker 1: on my favorite people on the planets, like Jesus, John
• 57:57
  Speaker 1: the Baptist. Martin Luther King is like, you know, if
• 58:00
  Speaker 1: he was like, like who you could have something with?
• 58:02
  Speaker 1: Like just put these three people. I'm cool, you know.
• 58:04
  Speaker 1: I feel like all three would accept me pretty fine,
• 58:08
  Speaker 1: you know. But I still think that a spokesperson is needed,
• 58:16
  Speaker 1: someone that could speak both languages. And I'm gonna throw
• 58:21
  Speaker 1: my spokesperson. Okay, what does she want to know? Don't
• 58:25
  Speaker 1: you want to know who it is? How about can
• 58:27
  Speaker 1: I ask you this? So if we're talking about MLK
• 58:30
  Speaker 1: and his vision, his dream for economic empowerment, is it
• 58:33
  Speaker 1: being fulfilled in this president day? Yes and no? Yes
• 58:42
  Speaker 1: and no and only no. Because you know, well, let
• 58:49
  Speaker 1: me ask you this, what's more beneficial one powerful spokesperson
• 58:53
  Speaker 1: or thirty five billionaires. It doesn't have to be either.
• 58:58
  Speaker 1: It doesn't have to be either or like one does
• 59:00
  Speaker 1: in the gate the other. Like like I said when
• 59:02
  Speaker 1: I said the whole thing about a team, like my
• 59:04
  Speaker 1: team is equal to me. There will always be equal
• 59:07
  Speaker 1: to me. If anything happened to my team members, we
• 59:10
  Speaker 1: talked about it all day, I'll be crying about it whatever.
• 59:13
  Speaker 1: But but it doesn't negate. You understand, like one doesn't
• 59:16
  Speaker 1: negate the other does. There is there is a need
• 59:18
  Speaker 1: for a role what what what group do you feel
• 59:21
  Speaker 1: like is successful? And like what ethnic group do you
• 59:24
  Speaker 1: feel like it's a successful example that somebody can follow
• 59:27
  Speaker 1: in America or that has a clear leader? No, no, no,
• 59:32
  Speaker 1: it's almost almost just say the thing you're not supposed
• 59:35
  Speaker 1: to say. I think white people just I mean they
• 59:38
  Speaker 1: did an white people. That's a that's a broad term.
• 59:41
  Speaker 1: So like I'm saying, like, like an ethnic I hate
• 59:43
  Speaker 1: the word about like minority. What ethnic minority would you say?
• 59:47
  Speaker 1: This is people that can be duplicate, Like this is
• 59:51
  Speaker 1: something that's an example to to try to duplicate or
• 59:54
  Speaker 1: they've done well, and this is something that you know,
• 59:57
  Speaker 1: we can try to take some different parts of what
• 59:59
  Speaker 1: they've done. By example of spokesperson group like a group,
• 1:00:05
  Speaker 1: I think black people are the motherfucking m v ps.
• 1:00:07
  Speaker 1: Like I think we're the m v ps, Like we
• 1:00:09
  Speaker 1: were so resilient, we've broken barrier after barrier. I will
• 1:00:13
  Speaker 1: say black people is the second. Now I appreciate that,
• 1:00:16
  Speaker 1: but I'm just saying from my standpoint, I look at
• 1:00:18
  Speaker 1: it like, all right, we know that Asians probably make
• 1:00:21
  Speaker 1: the most amount, and that's kind of a broad term.
• 1:00:23
  Speaker 1: But like let's say like the Asian community, Let's say
• 1:00:25
  Speaker 1: the Indian community, Let's say the Jewish community, Let's say
• 1:00:28
  Speaker 1: the Mexican community. Let's let's use all of these different communities. Right,
• 1:00:32
  Speaker 1: Who who's a leader in any one of those communities? Who, like,
• 1:00:38
  Speaker 1: name one person that's like, this is the leader of
• 1:00:40
  Speaker 1: the Jewish community, This is the leader of the Chinese community.
• 1:00:43
  Speaker 1: This is the leader of the Filipino community, This is
• 1:00:46
  Speaker 1: the leader because all of them are light years ahead
• 1:00:51
  Speaker 1: of us economically, but they're but they're only there because
• 1:00:55
  Speaker 1: they didn't have the hurdles. But I understand that. But
• 1:00:58
  Speaker 1: with look my whole thing is is you're trying to
• 1:01:01
  Speaker 1: ask for help for people that hurt you. That's a
• 1:01:04
  Speaker 1: dysfunctional relationship. It's like being in a relationship with somebody
• 1:01:07
  Speaker 1: who is abusive to you, and after four hundred years
• 1:01:11
  Speaker 1: you're thinking this is gonna be there, that they change
• 1:01:13
  Speaker 1: not gonna happen. You got to accept them like this is.
• 1:01:16
  Speaker 1: This is not. I don't think racism is going to
• 1:01:18
  Speaker 1: go anywhere exactly, but I think I think a game
• 1:01:23
  Speaker 1: is still meant to be played, is always meant to
• 1:01:26
  Speaker 1: play to win or lose. But I think there is
• 1:01:29
  Speaker 1: a place where you can play fairly, Like you can
• 1:01:32
  Speaker 1: say no more rigging the game. But what I'm saying
• 1:01:35
  Speaker 1: is that that's not Life doesn't work based off of fairness.
• 1:01:38
  Speaker 1: Life based off of strength and power. So what I'm
• 1:01:42
  Speaker 1: saying is that we're trying to play a fair game.
• 1:01:45
  Speaker 1: It's not gonna be fair. We're gonna have this conversation
• 1:01:47
  Speaker 1: hundred years from now. So how do we work together
• 1:01:50
  Speaker 1: group economics? Grow have enough money where now we can
• 1:01:55
  Speaker 1: tilt the skills ourselves. It doesn't have to be one person.
• 1:01:58
  Speaker 1: But now if you've got a group of people, this
• 1:02:00
  Speaker 1: guy's worth two billions, he's worked, four billion he's worked,
• 1:02:02
  Speaker 1: and then we all work together collectively. Now we can
• 1:02:05
  Speaker 1: put pressure, economic pressure on the situation. Now that changes
• 1:02:11
  Speaker 1: the dynamic as opposed to having one eloquent speaker, because
• 1:02:14
  Speaker 1: like I said, we've had great speakers, we've had great leadership,
• 1:02:17
  Speaker 1: it hasn't really helped, though I agree to a certain degree.
• 1:02:23
  Speaker 1: I think, uh, to a certain degree. Yeah, if you
• 1:02:29
  Speaker 1: have that one person, like I said, and we've seen
• 1:02:31
  Speaker 1: those leaders pretty much everybody that his name being killed
• 1:02:35
  Speaker 1: right now, who's next? Because it's the dysfunction amongst the rings,
• 1:02:39
  Speaker 1: like I should be the next person or you should
• 1:02:41
  Speaker 1: be the next person, and then it'll be the same thing.
• 1:02:43
  Speaker 1: That's why if you if you spread it out like
• 1:02:46
  Speaker 1: you're gonna be great at this, like you, you'll leading necks.
• 1:02:48
  Speaker 1: If we all come together with that form of leadership
• 1:02:50
  Speaker 1: and everybody leads and take self accountability like you said,
• 1:02:52
  Speaker 1: in responsibility, If everybody leads from where they are, now
• 1:02:56
  Speaker 1: you have a united front. That's different. Yeah. I mean
• 1:03:00
  Speaker 1: we still have a president in a free country, so
• 1:03:03
  Speaker 1: I think leadership is you still need a spokesperson. But
• 1:03:06
  Speaker 1: I mean we we got agree to No, I think
• 1:03:11
  Speaker 1: you see the thing about your leisure and organizations like you,
• 1:03:17
  Speaker 1: and foundations like you, and universities like you, and podcasts
• 1:03:20
  Speaker 1: like you and events that everything that you're doing, you're
• 1:03:24
  Speaker 1: representing leadership in our community. That, like I said, the
• 1:03:27
  Speaker 1: ripple effect is never ending. I can't be more appreciative
• 1:03:30
  Speaker 1: for what you guys do for appreciation, I'm just all
• 1:03:35
  Speaker 1: anybody that has access to you, I think is just
• 1:03:37
  Speaker 1: forever should be grateful for you. Guys. I'm gonna have
• 1:03:42
  Speaker 1: a spokesperson you so you want to know you don't know. Um,
• 1:03:52
  Speaker 1: I'm gonna throw it back to my favorite artists of
• 1:03:55
  Speaker 1: all times. Definitely not Kanye, but I do love Kanye.
• 1:04:01
  Speaker 1: Don't know his interviews going up. It's jay Z all day.
• 1:04:09
  Speaker 1: But I like I like j for a multitude of reasons.
• 1:04:12
  Speaker 1: He speaks both languages, the way he his perspective is uh,
• 1:04:16
  Speaker 1: he can be in the room with the whites, black,
• 1:04:18
  Speaker 1: su Puerto Ricans, whoever. Um. I think he speaks both
• 1:04:22
  Speaker 1: languages and his perspective death is there um. And I
• 1:04:29
  Speaker 1: feel like he uses his power two to bridge the gap,
• 1:04:34
  Speaker 1: bridge the hatred, you know, even what he did with
• 1:04:36
  Speaker 1: the NFL and all that. So if I had to
• 1:04:38
  Speaker 1: choose someone that like within range, it doesn't sound like
• 1:04:41
  Speaker 1: your typical prospect, but I would say I would choose him.
• 1:04:45
  Speaker 1: I mean, yeah, jay Z definitely. You know, he's an
• 1:04:47
  Speaker 1: portant person. He's not really an outspoken person, though he
• 1:04:49
  Speaker 1: does most of his stuff behind the scenes. He's more
• 1:04:51
  Speaker 1: of an int So I don't know if he would
• 1:04:53
  Speaker 1: be a good spokesperson because he don't likes to speech,
• 1:04:56
  Speaker 1: But a spokesperson could be the person that does the deal.
• 1:04:58
  Speaker 1: Like you know, like I traditionally like being the face
• 1:05:01
  Speaker 1: of my brand. This is the first time I ever
• 1:05:02
  Speaker 1: said I want to be the face of my brand.
• 1:05:05
  Speaker 1: But whether you making power plays or not, like he's he,
• 1:05:09
  Speaker 1: I feel like he has the power. Like we collectively
• 1:05:12
  Speaker 1: as a community or making most we're everybody in their
• 1:05:15
  Speaker 1: own community. There's always somebody that's trying to impact and
• 1:05:19
  Speaker 1: move the needle for it, and that's why we've been
• 1:05:21
  Speaker 1: able to get as far as we happen. But when
• 1:05:23
  Speaker 1: I think a spokesperson, I think Jay could handle it.
• 1:05:27
  Speaker 1: And it's not just because you only my favorite artists
• 1:05:30
  Speaker 1: somethings partly, but but truth be told, I feel like
• 1:05:34
  Speaker 1: I've watched the way he moved, and there's been plenty
• 1:05:36
  Speaker 1: of times, not only even with his records, where I've
• 1:05:38
  Speaker 1: been like and it later been like, see Shot, that's
• 1:05:44
  Speaker 1: That's one of my favorite artists as well. So, but
• 1:05:48
  Speaker 1: obviously I'm not gonna get a spokesperson out of you, guys.
• 1:05:52
  Speaker 1: I tried really hard. I tried really hard, But thank
• 1:05:55
  Speaker 1: you so much for coming out, feeding me and feeding
• 1:05:59
  Speaker 1: the team. I enjoyed the tuna sandwich and the bagel
• 1:06:03
  Speaker 1: pizza and now officially know how to make pizza. Um.
• 1:06:06
  Speaker 1: Thank you, guys, Thank you, thank you for having appreciate it.
• 1:06:12
  Speaker 1: For more eating while broke from I Heart Radio and
• 1:06:14
  Speaker 1: The Black Effect, visit the I Heart Radio app, Apple podcast,
• 1:06:18
  Speaker 1: or wherever you listen to your favorite shows,