Latest / Money And Wealth With John Hope Bryant / How Cities Create Millionaires

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How Cities Create Millionaires · Money And Wealth With John Hope Bryant

• 0:00
  Speaker 1: Welcome the Money and Wealth with John O'Bryant, a production
• 0:03
  Speaker 1: of the Black Effect Podcast Network and iHeartRadio. Yo, Yo Yo,
• 0:15
  Speaker 1: This is John O'Bryant, and I'm coming to you from
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  Speaker 1: my Money and Wealth podcast on the Black Effect Network
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  Speaker 1: on iHeartRadio. Coming to you from Dubai in the United
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  Speaker 1: Arab Immirates in the Middle East, halfway around the world,
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  Speaker 1: and I'm speaking at the World Government Summit this week,
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  Speaker 1: so it's appropriate that we're going to talk about how
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  Speaker 1: this week, I'm going to break down economically, how cities
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  Speaker 1: work and how the main air next door gets made,
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  Speaker 1: and how those two things are directly connected. And this
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  Speaker 1: all leads into my book that's coming out in two
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  Speaker 1: months called Capitalism for All Inclusive Economics in the Future,
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  Speaker 1: Approving of America. It's appropriate that I'm in the Middle East,
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  Speaker 1: in Dubai, and I'm in the library at the beautiful
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  Speaker 1: hotel here where we're staying, the iconic hotel that is
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  Speaker 1: the largest edifice here in this region, the birds they
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  Speaker 1: call it. And I'm gonna let you see. For those
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  Speaker 1: who are watching replace this on video, We'll let you
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  Speaker 1: see what the library looks like. This is their library
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  Speaker 1: on be believable, and I will put photos up on
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  Speaker 1: some of the social clips so you can see what
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  Speaker 1: I'm seeing. But it is absolutely stunning. Okay, so let's
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  Speaker 1: now get into this important episode, maybe one of the
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  Speaker 1: most important episodes I've ever recorded for this podcast series.
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  Speaker 1: By the way, thanks everybody for making this NAACP Image
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  Speaker 1: Award nominated. Please go and vote before voting concludes. How
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  Speaker 1: cities really work. Please take notes. This could change your
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  Speaker 1: entire life understanding how cities work and how the millionaire
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  Speaker 1: next door is made. Most people think millionaires are made
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  Speaker 1: in loud places Silicon Valley, Wall Street, Hollywood, tech startups, Crypto.
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  Speaker 1: By the way, these are not loud places. These are
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  Speaker 1: places there's a lot of activity, there's loudness all around,
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  Speaker 1: but there's quietness in the minds of the creators. And
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  Speaker 1: when I say that wealth is created in quiet, I
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  Speaker 1: don't mean literally quiet places. I mean quiet inside your mind,
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  Speaker 1: side your brain, side your space, and that it's very
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  Speaker 1: hard to build when there's noise running through your soul
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  Speaker 1: and your spirit, your mind yet alone noise all around you.
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  Speaker 1: Like neighborhoods I grew up in in the hood that
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  Speaker 1: have a surviving mindset in a thriving and winning world.
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  Speaker 1: So I just want to contextualize when I talk about
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  Speaker 1: noise and really talk about spiritual First, we're not human
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  Speaker 1: beings having a spiritual experience. Where spiritual beings having a
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  Speaker 1: human experience, energy matters. But that's not actually where most
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  Speaker 1: wealth in America comes from. These fancy places the Silicon Valley,
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  Speaker 1: Wall Street, Hollywood, tech startups, Crypto. Most millionaires live literally
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  Speaker 1: next door. They own boring businesses. This is the get.
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  Speaker 1: They don't chase attention, they chase stability. And many of
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  Speaker 1: them didn't invent anything at all, nothing new. They simply
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  Speaker 1: figured out how their city works. By the way, this
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  Speaker 1: is in many ways my story as well. That idea
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  Speaker 1: comes straight out of the classic book The Millionaire next Door.
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  Speaker 1: It showed us that something powerful is at work, that
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  Speaker 1: real wealth in America is usually built quietly, patiently, locally.
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  Speaker 1: What we're going to do today is to take that
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  Speaker 1: idea one step forward, because cities are not just places
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  Speaker 1: to live. Cities are economic machines. Did you know that
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  Speaker 1: almost ninety percent of all GDP gross domestic product for
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  Speaker 1: this country comes from cities. Would know that from the
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  Speaker 1: National commentary the media and what's going on in Washington?
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  Speaker 1: Would you? So? Cities are not just places to live
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  Speaker 1: their economic engines. They buy services, they sign contracts, they
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  Speaker 1: outsource work, and they do this every single year forever,
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  Speaker 1: from trash collection to plumbing, from electrical work to landscaping,
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  Speaker 1: from cybersecurity to janitorial services. Not just the municipality itself,
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  Speaker 1: but the people also within the city. I'll get into this.
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  Speaker 1: Cities don't ask if they need these things, they ask
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  Speaker 1: who will provide these things? The question is that who you?
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  Speaker 1: And here's the part most people miss. Almost everything a
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  Speaker 1: city needs is something an ordinary person can start by
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  Speaker 1: grow or dominating. Some of you know that I founded
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  Speaker 1: the largest minority owner of single family rental real estate
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  Speaker 1: homes in America. That company was the Promise Homes Company,
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  Speaker 1: and built it for five years from zero to only
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  Speaker 1: about seven hundred homes from Georgia to North Florida and
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  Speaker 1: sold the company in December of twenty twenty one for
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  Speaker 1: nine figures. And that wasn't rocket science. It was providing housing.
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  Speaker 1: It was buying and rehabbing and renting and providing services
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  Speaker 1: with a value added to local real estate. I also
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  Speaker 1: created financial literacy platform which is now, that's my nonprofit.
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  Speaker 1: That's the largest of the country, possibly the largest in
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  Speaker 1: the world. That's why I'm here speaking here in Dubai
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  Speaker 1: on that model. And I built fifty companies, but none
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  Speaker 1: of them were Rocket Science is in fact my first
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  Speaker 1: patent based company. I'm just issuing a patent, registering a
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  Speaker 1: patent now for a company. But that is way into
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  Speaker 1: my entrepreneurial process, right, So don't complicate this. Right, So,
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  Speaker 1: you don't need anything special here. You don't need to
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  Speaker 1: be a billionaire. You don't need to be a venture
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  Speaker 1: cap and you don't need a venture capitalist. You don't
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  Speaker 1: need to invent an app. You need to understand demand
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  Speaker 1: and supply, and cities create guaranteed demand. Right, cities are
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  Speaker 1: economic machines. Understand this now, let's slow this down. Every
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  Speaker 1: city has a budget, right, Every city has expenses, Every
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  Speaker 1: city has procurement officers. Write this down, contracts, vendors, compliance rules,
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  Speaker 1: and long term obligations. A city is capitalism operating in
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  Speaker 1: plain sight, and the larger the city, the more complex
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  Speaker 1: and valuable that system becomes. Now, some people say, John,
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  Speaker 1: forget all this capitalism and stuff, give me socialism. Aren't
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  Speaker 1: some of our leaders talking about socialism. Look, this is
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  Speaker 1: just political noise. Even if you want to distribute money
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  Speaker 1: like a socialist, you have are first collected like a capitalist.
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  Speaker 1: I hope you got that. So cities aren't capitalism. Machines,
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  Speaker 1: your local dry cleaners capitalism, your local barberous capitalism, your
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  Speaker 1: local daycarees capitalism, the gas station's capitalism. It's all around you, right.
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  Speaker 1: Socialism is a taxing system with I'll cover this in
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  Speaker 1: a separate video. These separate these separate platforms of capitalism, socialism, communism,
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  Speaker 1: all these different things. I'll cover this a separate podcast
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  Speaker 1: to really break those downs. Well, the stays very focused here.
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  Speaker 1: The larger the city, the more complex and valuable that
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  Speaker 1: system becomes. Cities don't reward hype. They reward live reliability.
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  Speaker 1: I'm gonna repeat that. Cities don't report. Cities don't reward hype,
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  Speaker 1: they reward reliability. If you show up one time, do
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  Speaker 1: the job well, follow the rules, and don't embarrass anyone,
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  Speaker 1: notably yourself, you can stay in business for decades. That's
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  Speaker 1: not sexy, but it's powerful. Let's make smart sexy again.
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  Speaker 1: We've been making dumb sexy for way too long. We've
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  Speaker 1: dumbed down and celebrated it. It's time to make smart
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  Speaker 1: sexy again. Or, as my friend Bishop Tdjkes Chairman TDJS
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  Speaker 1: would say, boring is the new sexy. Consistency is the
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  Speaker 1: new sexy. This is why so many quiet fortunes are
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  Speaker 1: built in city based businesses, not because the owners are geniuses,
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  Speaker 1: but because they understand the system they're serving. Why city
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  Speaker 1: size matters. A city of twenty five thousand people in
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  Speaker 1: a city of five hundred thousand people need many of
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  Speaker 1: the same things. The difference is scale. Smaller cities tend
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  Speaker 1: to have fewer competitors. This is an advantage, not a disadvantage.
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  Speaker 1: By the way, everybody living in a smaller city, which
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  Speaker 1: is most of America, listen to me here. Fewer competitors,
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  Speaker 1: lower barriers to entry. And if you're not in the
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  Speaker 1: small cities, go find one. Why pet with everybody in
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  Speaker 1: New York, Los Angeles, Atlanta, right, Go go find San Francisco,
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  Speaker 1: whatever the major city, Go find the I mean in
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  Speaker 1: La County. There's eighty eight cities in La County. Why
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  Speaker 1: everybody's focusing on the city of La which is where
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  Speaker 1: I grew up at Go find Lynwood, Compton, Inglewood. You
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  Speaker 1: know Riverside, You know the cities in Riverside County. Go
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  Speaker 1: find some place where there's less competition and you are
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  Speaker 1: showing up with excellence and get that contract. Okay, stay
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  Speaker 1: focused here. Smaller cities tend to have lower competitors, lower
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  Speaker 1: barriers to entry, easier access to decision makers. Listen, meet
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  Speaker 1: and walk in the door at some of these cities
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  Speaker 1: and meet the mayor, meet the city manager, meet the
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  Speaker 1: procurement officer. Right. You can't do that in Chicago, right.
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  Speaker 1: This is often the first generational wealth beginnings. Larger cities
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  Speaker 1: bring bigger contracts, yes, more specialization, longer procurement cycles, more complications, yes,
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  Speaker 1: higher margins. This is where businesses scale, professionalize, eventually sell.
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  Speaker 1: In other words, to the whole purpose of businesses to
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  Speaker 1: build it on emotional now so you can sell it.
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  Speaker 1: That's another podcast for another time, the purpose of a
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  Speaker 1: business so you can monetize it and do as you
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  Speaker 1: like with those pro suits. Understanding city size helps you
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  Speaker 1: understand where you fit the essential services. Now, please focus here.
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  Speaker 1: I want you listening to this to stop thinking abstractly
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  Speaker 1: and start thinking specifically. Every city needs infrastructure. Trash must
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  Speaker 1: be collect must be collected. Okay, Streets must be cleaned,
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  Speaker 1: water must flow, lights must turn on right, Plumbing systems
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  Speaker 1: must work, Electrical grids must be maintained. Traffic lights must function,
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  Speaker 1: roads must be paved. Can you think about it all?
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  Speaker 1: I mean, there's hundreds of vendors in these different just
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  Speaker 1: the sectors I just mentioned then making all this stuff.
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  Speaker 1: Go pick one little sector or section or subsection or
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  Speaker 1: the thing that is within the thing that makes the
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  Speaker 1: whole thing work, and master it. The book the outliers
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  Speaker 1: ten thousand offices, specialization and something you specialize in that,
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  Speaker 1: get put ten thousand hours, and you become the NBA
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  Speaker 1: player in that space, the professional athlete in that space,
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  Speaker 1: and you dominate. None of this in a city I
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  Speaker 1: just described is optional. Every city owns buildings and buildings age.
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  Speaker 1: They need cleaning, heating and cooling, roof repairs, pest control, landscaping,
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  Speaker 1: tree trimming, parking lot maintenance. My friend Jamail got risk
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  Speaker 1: and so his company, a black owned company in Atlanta
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  Speaker 1: that that I provided contracts for for myself and Bastor
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  Speaker 1: Young and et cetera, et cetera. He had city and
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  Speaker 1: county contracts. That's what built his wealth every single year.
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  Speaker 1: This must happen. These service must be renewed. Cities must
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  Speaker 1: also manage safety and compliance security services, fire inspections, environmental compliance,
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  Speaker 1: OHSHA standards, os H, OSHA, OHSHA standards, hazardous material disposal.
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  Speaker 1: Regulation scares people, but regulation creates motes and as cities grow,
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  Speaker 1: thinking itself becomes a service. All right, So specialization can
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  Speaker 1: become somebody special somebody's complication becomes your specialization. Specialization becomes
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  Speaker 1: your self. Control, competitive mote it support, think cybersecurity, think
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  Speaker 1: payroll record, digitization, okay, grant writing, engineering, urban planning, data reporting. Finally,
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  Speaker 1: cities manage people, childcare, elder care, public health outreach. Are
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  Speaker 1: you writing this stuff down? If not, go rewind the podcast,
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  Speaker 1: get out a pen or a digital marker or your
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  Speaker 1: digital fingers on your app or your device, and write
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  Speaker 1: this stuff down. If you don't write it down, it's
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  Speaker 1: not real. Mental health services okay, homelessness programs, workforce training,
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  Speaker 1: transit support, and now soon all the AI artificial intelligence
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  Speaker 1: brings to a situation. Okay, this is not a short list.
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  Speaker 1: This is the operating system of modern life, right why?
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  Speaker 1: This is the millionaire next door formula. This is where
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  Speaker 1: the millionaire next door comes alive. Most millionaires don't look rich.
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  Speaker 1: They own something essential. Most millionaires don't reinvent, invent or
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  Speaker 1: reinvent some fancy thing. They do some common thing really well.
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  Speaker 1: They also reinvest profits. I did that. They buy equipment.
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  Speaker 1: I did that. I love technology. I'm want technology now
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  Speaker 1: I've moved. I have a portable studio. Right. They hire people,
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  Speaker 1: afforded employees. They expand territory. I'm national, going global. See
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  Speaker 1: what I'm saying. They don't chase trends. They dominate niches
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  Speaker 1: just like me. I have fifty entities, and three of
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  Speaker 1: which are the biggest in their categories. This is how
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  Speaker 1: plumbers become landlords. Can I get an amen? How janitors
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  Speaker 1: become investors, How contractors build generational wealth? Cash flow compounder
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  Speaker 1: over time quietly does its work. How people enter these businesses.
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  Speaker 1: There are four common paths. Okay, one start small, one truck,
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  Speaker 1: one contract one neighborhood okay. Two by an existing business. Okay,
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  Speaker 1: this is really important and I've covered this in other podcasts.
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  Speaker 1: An owner retires, the kids don't want it, SBA financing
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  Speaker 1: steps in or bank financing steps in. Right. Three specialize
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  Speaker 1: not cleaning, hospital sanitation, right not it municipal cybersecurity right right,
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  Speaker 1: get very focused for roll ups. Buy several small firms
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  Speaker 1: specialize in the administration. Right, Uh, bring in artificial intelligence. Right.
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  Speaker 1: Increase what's called margins between cost and revenue? Is it was, Yeah,
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  Speaker 1: your cost off of the business, your revenue, your is
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  Speaker 1: your profit? Your margin is that they in between. Okay,
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  Speaker 1: the delta between cost and irrevenue. That's private equity without
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  Speaker 1: the headlines. Right what I just described, Right, this matters
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  Speaker 1: deeply for people who didn't inherit a road map. Cities
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  Speaker 1: have historically been one of the most democratic platforms for
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  Speaker 1: capitalism itself. The reward competence, the reward consistency, the reward service.
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  Speaker 1: If you want to build wealth that lasts. Stop asking
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  Speaker 1: what's hot, they start asking what's essential. Stop asking what's hot,
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  Speaker 1: Start asking what's essential. Stop rocking the mic on for
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  Speaker 1: a one day concert and own the stage where every
• 17:42
  Speaker 1: concert must rent from. Own the microphones, Own the VIP
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  Speaker 1: bracelet making machines right and rent them and lease them.
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  Speaker 1: Own the mics and rent them out. Own the lenses
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  Speaker 1: and rent them or lease amount right. Own the systems,
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  Speaker 1: own the plumbing, Own the contract. If you want to
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  Speaker 1: build wealth at lasts, do what I just said, make smart, sexy,
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  Speaker 1: at scale. Find the thing your city can't live without.
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  Speaker 1: Learn it, master it, own it. That's how legacies are built, quietly, patiently,
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  Speaker 1: and next door. Once again, ninety percent of all wealth
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  Speaker 1: in GDP gross domestic product the income of the biggest
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  Speaker 1: nation in the world, the United States of America, because
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  Speaker 1: economy in the world, okay, ninety percent of that between
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  Speaker 1: eighty eight and ninety eight percent more close closer again
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  Speaker 1: depends on which about municipalities, cities, counties, right, but fully know,
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  Speaker 1: the vast majority of income for this country it comes
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  Speaker 1: from cities. So why are we obsessing with all day,
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  Speaker 1: all day, all night, screaming at the TV set about
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  Speaker 1: what's going on only in Washington, DC? Why are we
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  Speaker 1: obsessed with this as if we don't have any control
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  Speaker 1: in our lives. Right, you have immense control in your life.
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  Speaker 1: You have immense optionality in your life. Work with your
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  Speaker 1: local mayor. In Atlanta's mayor Andrea Dickens, right in Los
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  Speaker 1: Angeles is Mayor Karen Bass. Good people find your mayor
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  Speaker 1: getting the smaller the city, the easier it is to
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  Speaker 1: find them. And access to them and work with them.
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  Speaker 1: Find your mayor, find your county officials, right, find a commissioner.
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  Speaker 1: Can't get the mayor, go to the city council person.
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  Speaker 1: Find a commissioner you can't get to the county CEO
• 19:48
  Speaker 1: in the cab county. That would be Lorraine Johnson, right,
• 19:50
  Speaker 1: who's just on the podcast. She's accessible, she's got contract
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  Speaker 1: She's explained how counties work in a podcast before this.
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  Speaker 1: Find the procurement officers, find the contract officers. Fine. You
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  Speaker 1: know again, in a county like Los Angeles have eighty
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  Speaker 1: eight cities in the seven in the greater Atlanta area,
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  Speaker 1: it's seven counties. When people just focused on volting county
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  Speaker 1: just focused on the city of Atlanta. Is all these
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  Speaker 1: small cities. There's thousands of cities. I think it's four
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  Speaker 1: thousand counties last time I checked. But there's thousands and
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  Speaker 1: tens of thousands of cities across America. And they are
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  Speaker 1: all markets for you. They all need you know, websites
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  Speaker 1: and plumbing and electrical and cybersecurity and sanitation and you know,
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  Speaker 1: I mean every city, I hate to say it needs
• 20:39
  Speaker 1: a martuary, you know, I mean, whether it's the people
• 20:43
  Speaker 1: in the city, the businesses in the city, the city
• 20:47
  Speaker 1: or municipal agency itself. We've got to get out of
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  Speaker 1: this sparkly, shiny obsession that we have. Everything we think
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  Speaker 1: is valuable is blee. Like just the opposite is true. Really,
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  Speaker 1: you want to have the road less traveled. If everybody's
• 21:09
  Speaker 1: going right, you want to go left. That's why I
• 21:12
  Speaker 1: said eagles don't fly in packs. You never see a
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  Speaker 1: flock of eagles. The stories are endless of entertainers and
• 21:25
  Speaker 1: sports figures who high profile huge stars for one years,
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  Speaker 1: two years, three years, five years, eight years, ten years
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  Speaker 1: broke because they didn't understand what I'm saying right now
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  Speaker 1: about rocking the mic or owning it, bouncing the basketball,
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  Speaker 1: or trying to get to own the contract for all
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  Speaker 1: the vending machines in the stadium, or the hot dog
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  Speaker 1: machines or the sanitation work. Like if you're an NBA star,
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  Speaker 1: NFL star, you're a basketball star, you're a star of
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  Speaker 1: your college or universe. It's your college somewhere. That means
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  Speaker 1: you have gravitas, you've got access, you've got respectability. Turn
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  Speaker 1: that into a contract after you get out of school.
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  Speaker 1: All those relationship capital you have people you know in
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  Speaker 1: your school environment, that's gold for you, right, turn that
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  Speaker 1: into an opportunity to go back and nurture relationship. To
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  Speaker 1: then provide an essential service that they need, that they
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  Speaker 1: trust that you can provide that is better than anybody else,
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  Speaker 1: and give them more than a hype. Give them excellence
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  Speaker 1: in service, control your niche become a mote, become an
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  Speaker 1: absolute expert in what you do. By the way, I've
• 22:38
  Speaker 1: talked about how the power of silence. Normally I have
• 22:41
  Speaker 1: to find create a specialized space to do my podcast
• 22:45
  Speaker 1: when I'm traveling internationally. I did this podcast today pretty
• 22:50
  Speaker 1: much in open spaces in the city of the city
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  Speaker 1: space municipal space of Dubai. Here I'm in this hotel
• 23:01
  Speaker 1: in a library that technically anybody can walk into. Technically,
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  Speaker 1: I've never done this before anywhere in the world, in
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  Speaker 1: the one hundred countries of only this is the only
• 23:09
  Speaker 1: place where so far I was absolutely comfortable. It was okay,
• 23:13
  Speaker 1: I'm there's been no there's been no interruption whatsoever. They
• 23:16
  Speaker 1: value the power of silence, and they respect the desire,
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  Speaker 1: the need for space, the customer service, the sense of dignity,
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  Speaker 1: the sense of protocols, the respective culture here is very
• 23:33
  Speaker 1: deep and it's a it's a testimony to what they're
• 23:38
  Speaker 1: building and how they're building. And do buy needs services
• 23:41
  Speaker 1: by the way, you know. But if you want to
• 23:43
  Speaker 1: come to the Middle East or you want to go
• 23:44
  Speaker 1: to Africa, don't just go to the places where everybody
• 23:47
  Speaker 1: else is going because the big companies are going there.
• 23:49
  Speaker 1: They're going to own that space before you do. They
• 23:52
  Speaker 1: have those relationship capital and the same thing applies. Go
• 23:56
  Speaker 1: someplace where you can be a big fish in a
• 23:59
  Speaker 1: small pond versus a small fish in a big pond.
• 24:02
  Speaker 1: And then when you become there's no different than an
• 24:04
  Speaker 1: anchor for a TV network. They started in small markets
• 24:08
  Speaker 1: and work themselves up as a local you know whatever reporter,
• 24:12
  Speaker 1: and then local anchor and that little small town of
• 24:13
  Speaker 1: twenty five thousand, fifty one hundred thousand people. Then they
• 24:17
  Speaker 1: worked the way up to a major market like a
• 24:19
  Speaker 1: Chicago or Detroit or whatever, and then a national market.
• 24:22
  Speaker 1: This is no different. Right, find your opportunity wherever opportunity
• 24:26
  Speaker 1: is right. And understand this. Only in the dictionary does
• 24:29
  Speaker 1: the word success come before the word work, because it's alphabetical.
• 24:34
  Speaker 1: All success is hard. All I mean, if there's a
• 24:40
  Speaker 1: free lunch. It's probably stale, like stop expecting this to
• 24:44
  Speaker 1: be easy, right, I'm not sitting comfortably in my home
• 24:47
  Speaker 1: somewhere chilling. I came off retreat, went back to the home.
• 24:51
  Speaker 1: I was there for two days working from can't see
• 24:54
  Speaker 1: in the morning, I can't see at night, on a
• 24:56
  Speaker 1: plane to the Middle East. It's time to work. It's
• 24:59
  Speaker 1: always time to work. Nothing good comes easy. If you're
• 25:02
  Speaker 1: successful at whatever you're doing, raising your children, your working
• 25:06
  Speaker 1: for somebody else, working for me, working for yourself, being
• 25:10
  Speaker 1: a good husband or wife, whatever it is, being a
• 25:12
  Speaker 1: good boyfriend or girlfriend, being a good friend, whatever it is,
• 25:15
  Speaker 1: it's work. Love is work. Not in love is laziness.
• 25:18
  Speaker 1: Anti love is evil. Evil exists, but it's very rare.
• 25:21
  Speaker 1: Most people are just lazy. They just don't want to
• 25:24
  Speaker 1: do the work. If you're willing to do the work,
• 25:26
  Speaker 1: and you follow a business plan I'm laying out for
• 25:28
  Speaker 1: you and now going into season three of this podcast,
• 25:32
  Speaker 1: and you want to know, how can you not succeed?
• 25:35
  Speaker 1: As my friend Tony Wrestler would say, billionaire friend of mine,
• 25:38
  Speaker 1: business partner, owner of the Atlanta Hawks, backer of my company,
• 25:42
  Speaker 1: promise homes. If you don't freaking quit. You can't freaking fail,
• 25:48
  Speaker 1: So just don't quit. Success is hard work and failure
• 25:55
  Speaker 1: is lazy. Just don't be lazy. Find your niche and
• 25:59
  Speaker 1: own it and see you the finish line, John O'Brien,
• 26:01
  Speaker 1: This is the Money in Wealth podcast series of hitting
• 26:04
  Speaker 1: into season three. Make sure you do your voting at
• 26:07
  Speaker 1: the NACP Image Awards. If you want to support this
• 26:10
  Speaker 1: podcast and see it grow, get my book Capitalism for All.
• 26:14
  Speaker 1: Builds on my book, my best ever financial literacy for All.
• 26:17
  Speaker 1: Most importantly, go to my philanthropy Operation and Hope. Get
• 26:19
  Speaker 1: the financial coaching that you so rightly deserve and need,
• 26:23
  Speaker 1: the bingilable nationwide through scholarship. I'll see you the finish line.
• 26:27
  Speaker 1: Let's Go. Money and Wealth with John O'Brien is a
• 26:30
  Speaker 1: production of the Black Effect Podcast Network. For more podcasts
• 26:34
  Speaker 1: from the Black Podcast Network, visit the iHeartRadio app, Apple Podcasts,
• 26:39
  Speaker 1: or wherever you listen to your favorite shows.