Willie Jolley is a man on a mission! He is a Hall of Fame speaker, singer, best-selling author, and popular media personality. In January 2023, he received the Joseph R. Biden Presidential Lifetime Achievement Award.
In July 2023, he was the recipient of The National Speakers Association’s highest and most cherished award, The Cavett.
His new book “Rich is Good Wealthy is Better” seeks to bring the historically disenfranchised into conversations about wealth building and understanding generational economics.
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Speaker 1 (00:00):
Broadcasting from the Hip Hop Weekly Studios. I'd like to
welcome you to another episode of Civic Cipher, where our
mission is to foster allyship, empathy and understanding. Big shout
out to my man q Ward, who has taken the
day off today, but I'm still in the saddle. I
go by the name ramses Jah, and we are going
to have some fun today. We have a special guest
(00:20):
that is joining us, and we are going to talk
about something that affects everybody's life, and that is money.
It is the most important deity and it is inescapable
death and taxes as it were. So without further ado,
let's get right into it with today's guest. Doctor Willie
Jolly is a man on a mission. He is a
(00:42):
Hall of Fame speaker, singer, best selling author, and popular
media personality. In January twenty twenty three, he received the
Joseph R. Biden Presidential Lifetime Achievement Award. In July twenty
twenty three, he was the recipient of the National Speakers
Association's highest and most cherished award, the Cabot. Doctor Willie
Jolly is the author of several international best selling books,
(01:05):
including It Only Takes a minute to change your life.
Setback is a setup for a comeback. Turn setbacks into
greenbacks and an attitude of excellence and contributing author of
Chicken Soup for the Christian Soul, Doctor Jolly is co
author with his wife of thirty seven years, detailor detailor Jolly,
let me get that right, of the popular marriage book
(01:27):
Make Love, Make Money, Make It Last. Ten Secrets to
shape a Great marriage. I like that. Yes, Their ted
talk from the book entitled how to Never Argue Again
in Marriage is a big hit for relationships globally, and
today he brings his latest work, Rich is Good, Wealthy
is better, Doctor Willie Jolly, welcome segar show. Well.
Speaker 2 (01:49):
I have only just a minute, only sixty seconds in it.
Forced to pun me. Can't refuse it. I didn't seek it,
I did not choose it. But it's up to me
to use it. I must suffer if I lose it.
Give a counterifi abuse it just a tiny little minute,
but our eternities are wrapped up in it. So I'm
grateful for this minute, this moment, this opportunity to be
on with you.
Speaker 1 (02:10):
I like that. All right, thank you, doctor John. All right,
you pour some life into me. Let me go to
have a great time.
Speaker 2 (02:16):
Thank you for making and taking time to share me
and this message with your listeners, your viewers, and your community,
your your world.
Speaker 1 (02:27):
And I'm grateful for it. Yeah. No, I I appreciate
that too. One of the things that we don't get
to do enough that is critically important is have conversations
like the one we're about to have where people give
people the tools to master their finances for better or worse. Yes,
(02:49):
this is capitalism. This is the name of the game.
And mastering that apparatus will allow us to change it.
You cannot change it when you're being crushed by it.
You guys, master and then change it if you.
Speaker 2 (03:02):
I think anybody who wants to one control their destiny
to impact their legacy because with this, this conversation is
going to help anybody who wants the one discover what
wealth is and how it is profoundly different from rich
(03:24):
and how most people don't know the difference. Second, anybody
who wants to empower their children, their grandchildren, or their
relatives to make and take full advantage of their hard
work to create a legacy or a nest egg, then
(03:44):
they're going to want to tune into this. This could
literally be a conversation that changes your grandchildren's grandchildren.
Speaker 1 (03:53):
I love that. I love that. So I've given a
little bit of your background. Yes, at that presidential lifetime
that did some heavy stuff. Well, thank you. You could
tell your story a lot better and then let me
be let me be very fair. Yeah, I had to
kind of whittle that down, and it all reads just
(04:15):
like that, your whole entire bio. You're such an impressive
person who's lived such an impressive life. But for our listeners,
who has just be coming to this conversation, talk a
little bit about you know yourself, your background, yes, and
what makes you the expert that we are listening to.
Speaker 2 (04:28):
Too, Well, I think what is important for people to
know is that I am them. Okay, So many people
might say, well, this guy has won all the awards,
he has best selling books, he's been a noted radio personality.
Speaker 1 (04:44):
How does he relate to me.
Speaker 2 (04:45):
Well, I'm a guy who was a nightclub singer.
Speaker 1 (04:49):
For many years.
Speaker 2 (04:51):
Everybody who's listening, by the way, has heard my voice
many times. Really over the years I was a nightclub singer,
but I made a significant amount of my revenue singing jingles.
I was a jingle singer that sang jingles for pizza.
Speaker 1 (05:08):
And making it great. We work well together, news for you,
b E T. Black Entertainment TV.
Speaker 2 (05:18):
So I sang jingles doing today, but I made the majority.
Now I was significant amount from jingles, but I made
the majority of my revenues singing in nightclubs in Washington,
d C.
Speaker 1 (05:32):
Atlantic City. Won the award in DC where I live
as the.
Speaker 2 (05:37):
Best jazz singer, best entertainer, best performer. And was making
a living, enjoying life and doing great, had a new
sports car, had bought a new home, just enjoying life.
Speaker 1 (05:50):
But then I had a setback.
Speaker 2 (05:53):
And I always like to ask people, how many of
you have ever had a setback?
Speaker 1 (05:57):
How many have had a personal setback? All right?
Speaker 2 (05:59):
How how many have had a professional setback? How many
have had a financial setback? How many have I had
a relationship setback? How many you got children? How anybody
got teenagers?
Speaker 1 (06:10):
Oh? Yeah, you know what a setback means. Well, I
had a setback.
Speaker 2 (06:14):
I went into the night club one night and the
club manager said, we'll talk to you afternight' show. I
told the guys in the band, we've been selling out
for months. We got standing room only, the audiences, we've
won all the awards. We're finally going to get our raise.
I walked into the manager's office and he said, you know,
we love you. I said, thank you. We made a
(06:34):
lot of money since you've been here. I said, thank you.
He said, you know you are just fantastic. I said,
thank you. He said, that's why it's hard for me
to tell you what I got to tell you. The
owners of the club have decided to get a better
return on investment, and the only way to do that
with a full nightclub is the lower the costs and
(06:54):
the band. The live entertainment is the highest costs we have.
And there's something new going around America that's filling up
nightclubs that's a lot cheaper than live entertainment.
Speaker 1 (07:06):
It's called karaoke. I said, what. Wow.
Speaker 2 (07:09):
He said, karaoke, and this is the start of the
karaoke craze. No one had ever heard that word before.
What is karaoke. It's recorded music where people sing to
this track, and it's filling up nightclubs. People are lining
up for this, standing in line for hours, and we're
going to give that a shot for a while. I said,
(07:29):
But what about my bills? And I learned that night,
no one cares about your bills but you and the
people you ow.
Speaker 1 (07:36):
Am I right about it? In radio? Yeah? You know
that's right.
Speaker 2 (07:39):
And I was devastated because I'd worked so hard to
build this nightclub from nothing into the number one night spot.
I'd sent up my own flyers, my own postcards, I'd
done radio and television interviews. I'd worked hard. But yet
I was like everybody else. I got fired, downsized, right size.
(08:02):
You can call it whatever you want.
Speaker 1 (08:03):
But the end of the day, I got fired, and
I was devastated because I didn't know what I was
going to do next. This was the height of the
top of the food chain in nightclubs. I didn't want
to go back to the one hundred dollars a night nightclub.
Speaker 2 (08:19):
What am I going to do? And I was depressed.
I was almost despondent. But a friend of mine gave
me a motivational cassette tape and a book. The book
was entitled Think and Grow Rich. Now, I had never
read a book from cover to cover in my life.
(08:42):
I was the guy who only read the sports pages.
I never read a book. And by the way, I
was the guy in high school who was at half
of the class that made the top half possible. I
was not a good student, so I wasn't a reader
and I wasn't academic. But I read this book thinking
(09:03):
were rich. And in the book there's a premise that
throughout the book that says, wherever there's an adversity, at
that same point, there's the seed of great opportunity. And
I kept thinking about that. So first I read the book,
and then I listened to this audio motivational cassette. I
(09:23):
had never heard a motivational message in my life, and
this guy said, in five years, you'll be the same
person today as you are. In five years, you'll be
the same person as you are today except for two
Thanks the people you meet who inspire you in the
books you read that empower you. What the people you
(09:45):
meet who inspire you in the books you read that
empower you. And I started reading books. I read Think
and Grow Rich. Then I read the Power of Positive Thinking.
Then I read the Magic of Thinking Big. Then I
read The Richest Man in Babylon. And I just read
one book after another. Thought of going to seminars and
(10:06):
getting more motivation and self development and self help in
my brain, and I kept in mind that premise where
there's an adversity, at the same point, there's a seed
of great opportunity. I took a job while I was
trying to figure out what I was going to do
with the rest of my life with the Washington, DC
Public school system as a drug prevention coordinator. And it
(10:31):
was during the height of the crack cocaine epidemic in
DC and I started, as part of my job, giving
little speeches to kids about staying away from drugs. And
it was during that time that I discovered what I
was born.
Speaker 1 (10:51):
To do, a gift I didn't know.
Speaker 2 (10:53):
I had to speak, and from the little kids, the
teachers would invited me to their teachers group, and then
someone they would invite me to their church.
Speaker 1 (11:03):
And then someone in the church would come.
Speaker 2 (11:04):
Up and say, hey, hey, hey, hey, I've got I
work for this company, that company, this government agency. We
love your energy. Would you come speak for us? And
I kept speaking and one day Ramsey, I was in
a little teeny winning hotel room, only about twelve people
in a row, and I was speaking and I was
on fire and down the hallway that night there was
(11:25):
going to be a big motivational rally in the ballroom,
and one of the speakers from that night's rally was
walking by my room and my door was opening my
doorway to the hallway, and he stood outside and listen
to my message. He was going to do his sound check.
His name was Les Brown, the Great Motivational Speaker, And
(11:47):
when I finished, he came in and said, young man,
I loved what I just heard, and I'm looking for
someone to be an opening act for a new tourm
launching and you speak and you sing, and that's what
I've been looking for, someone who does both. The tours
entitled the Music and Motivation Dream Team Tour.
Speaker 1 (12:10):
Are you interested?
Speaker 2 (12:12):
I said, I think so, and shortly thereafter we kicked
off the Music and Motivation Dream Team Tour, which featured
Les Brown, Billy Preston, the great organists, Gladys Night, and
a little guy from Washington, DC.
Speaker 1 (12:28):
Me.
Speaker 2 (12:29):
Because the lesson Gladys, they introduced me to radio people.
I got a little radio show and it got popular
and got syndicated and it led to XM and I'm
on it that now I have the number one self
help show in America on Sirius XM. The Willa Jolly
Wealthy Way show on Sirius XM channel one forty one
airs on Saturdays at four o'clock and rears Tuesdays and
(12:52):
Thursdays at six pm, both Eastern Time, channel one forty one,
which led to iHeart Radio, give me a podcast and
all of that, and that led to me being syndicated.
And one day a book publisher heard me on the radio,
called my office and said, I loved your ideas. Have
you ever thought about writing a book? I said no,
I never thought about it. He said, let me make
(13:13):
you an offer. I said, I just think I thought
about it. I'm gonna write a book. I like that
kind of money. And so I wrote a book called
It Only Takes a Minute to Change Your Life that
became a national bestseller.
Speaker 1 (13:25):
Then I read wrote a book called a Setback Is
a set Up for a Comeback, became a global bestseller,
and then turned setbacks into greenbacks, then an Attitude of Excellence,
then Chicken Soup for the Christian Soul, and then a
book I wrote with my bride called Make Love, Make Money,
(13:45):
Make It Last.
Speaker 2 (13:46):
We are newly waste by the way Ramseys June of
this year will be married forty one years. We said,
how you say you're a newlyway because I still got
the fire for her. That's how we've been married. And
I told him, I say, if you leave me, I'm
coming with you anyway. So I wrote the book, that book,
and then things started exploding, and I got named one
(14:09):
of the top five speakers in the world by Toastmasters.
I was inducted into Speaker Hall of Fame in two
thousand and five, and then in twenty twenty thirteen, I
was named a Legend of the Speaking Industry. Twenty twenty three,
I was given the highest award in the speaking industry,
the Cavot Award, which is like the Heisman or the Oscar,
and I'm the first African American man to get that award.
(14:30):
And then ward afterward, the Titan John Hopebrian gave me
Les Brown and George Frazer the Titans of Speakers Award
in twenty twenty five. And it all, and it all
happened Ramses because I got fired, replaced by karaoke machine,
had a setback, And I'm speaking to all the people
who are listening who might have gone through what I
(14:51):
call the devastating deeds of life. You might have been downsized,
you might have been gone through a divorce, you might
have had a diagnos you might have contracted a disease,
you might have had a disaster, you might have lost
the had the death of a loved one. I don't
know which one it is, but everybody has had some
(15:11):
setback in their life. And my book A Setback, Set
Up for Comeback is a book that helped people turn
their setbacks into comeback. So in the book I talk
about the lessons I learned. My story is only the
first couple of pages. But in the book I interviewed
people who had massive setbacks like Lei Coca, John Travolta,
Les Brown, and Wally Famous, same as Vanessa Williams, one
(15:37):
person after another, but the ones that changed my life
for the people who are not famous, like the young
man I interview who had a small business, had a setback,
went bankrupt, lost his house, lost his car, but he
came back, built a company called Deymark, one of the
biggest merchandising companies in the country, two hundred and forty
million dollar a year company. Or how about the ninth
(15:58):
grade math teacher who went in for her check up
and was told she had terminal breast cancer. Given six
months to live, she said, I can't die now. I've
got too many children to teach. They said, ma'am, you
got six months. Go and get your affairs in order.
She sat there for a few more and more minutes,
gathering her thoughts. Then she looked at doctors and I said,
I just made up my mind. I'm gonna live for
(16:21):
at least twenty five more years because I asked, I
got too much to do. But that lady lived for
thirty two more years. When she died, I eulogized her,
and she said something in her and my interview goes.
Speaker 1 (16:32):
When I interviewed her for the book, I sat back,
set up for a comeback. That changed my life. She said,
tell the people in your book, I might have cancer,
but cancer does not have me. She beat cancer four times.
She did not die from cancer. She died from old age.
She said.
Speaker 2 (16:48):
The other quote, She's changed my life. She said, write
it like I tell you. I said, yes, ma'am, that
doctors can give you the diagnosis, but God gives you
the prognosis.
Speaker 1 (16:58):
And then the.
Speaker 2 (16:58):
Last one I want to give it. A lady who
was going up the corporate ladder, struggling to get up
the ladder and got almost up to the top, and
they tota, you're too old, we don't need you anymore.
But she came back and bought the company. So you're
going to have setbacks of life. So this book, a Setback,
Setup for comeback, transforms your thinking to say, this setback
(17:20):
is not the end of my story. It's a bend
in my story. And the only ones who fail are
those who stop changing bending. But the new book, the
new book is how do you turn your setbacks into
great financial comebacks. The book is entitled Rich is Good,
(17:42):
Wealthy is Better, And it's the result of my twenty
years of XM interviewing the likes of Bill Marriott, David Rubinstein,
Damon john John, Hope Bryant, ted Leoc's Bob Johnson, Sheila Johnson,
(18:04):
David Stewart, the wealthiest black man in America, one billionaire
multimillionaire after another for twenty years, and one day, four
or five years ago, sixteen years unto hosting The Wealthy
Way Show. Sixteen years into that show, one day the
proverbial light bub went off above my head and I said, oh,
(18:29):
I finally get what Bob Johnson was trying to say
to me when he told me the key was to
make money while you're in bed. And when he said it,
I said, what no word is Bob talking about. You
can't make no money in your bed.
Speaker 1 (18:45):
You know, I was for a motivational speaker telling people
to get up and grind, stay up late, don't stay
in that bed. You can't make no money in bed.
And yet this man says, my goal is make money
in bed. I said, how do you do that?
Speaker 2 (18:58):
I don't understand. Like mine was of not the I
was not of the consciousness to get what he was saying.
I couldn't fathom comprehend because I wasn't ready. But that day,
when that light bulb went off, it hit me. Now
I get it, the profound difference between being rich and
(19:20):
being wealthy. And I said to myself, Willie Jolly, you
are the only one who didn't get it. Everybody else
gets it. You're just the slow one. So I said,
I just I guess I missed a memo. So as
I went around the country, interviewing, I mean, speaking for
corporations and conventions and events around the country.
Speaker 1 (19:44):
I'd ask people what is rich to you.
Speaker 2 (19:50):
I do my own little survey and the number one
as was always a million dollars. You got a million dollars,
You rich?
Speaker 1 (19:57):
Okay, cool?
Speaker 2 (19:58):
So if rich, which is a million dollars, then what's wealthy?
And they'll stop, they'll think, they'll look, they'll ponder, they'll
look up in the air and they'll say, uh, I
guess it's five million, ten million, a million. That's when
I knew they didn't know either. Most people didn't know
(20:20):
what the difference was. So now I got this theory
in my brain with the difference between being rich and wealthy.
I go back to the Bob Johnson, Sheila Johnson's, Ted Leons's,
the David Rubins signs, and I'd call him and say,
let me ask you a question.
Speaker 1 (20:35):
Here's my theory. Am I right? Oh yeah, you're right.
You're absolutely right, And most people don't know what it's
like a secret. I say, really, in fact, Willie, you
write books, you do television and radio, you get the platform,
write a book, tell people the difference, particularly in our community,
(21:00):
because they need to know. So that's what I did,
and for the last couple of years I've been doing
the research for writing the book. The book is called
rich is Good, Wealthy is Better. And let me tell
everybody for the record, this book didn't come from me.
It came through me. And I am not a financial planner.
(21:21):
I'm not a financial advisor, but I'm a real good listener, okay,
and I've listened really well the difference between being rich
and well. Okay, hey, look I'll take that. Come on,
so pour it into Are you ready? Yes, I'm ready. Okay,
So here's here's so let's bring our listeners in a
little bit further along. Yes, one of the things that
(21:43):
our listeners have noticed, things we've covered on the show
is how black, brown, historically marginalized YEP people yep have
consistently throughout history been left behind yepally yep or because
of a lack of knowledge. My people are destroyed by
(22:05):
lack of knowledge, curtis it is, but in either case
further disenfranchised. Right this current administration. One such example exactly
would be you know, the crypto stuff that took place
at the beginning and this administration talking about the stock
market and these wild swings in this prediction investment market,
(22:27):
that sort of thing where you know, it kind of
takes a little bit of capital to even play in
those games. And as a result of that and perhaps
a lack of knowledge that we just talked about, black
people are underrepresented in those specific methods of getting to
at least some money. Now, the reason I say this
(22:49):
is because when black people are left out of these
sorts of conversations, it historically over and over again. If
your granddaddy was broke, that's right, and your daddy was
broke and you're broke, you might start to think this
is a natural state of being. But I think people
(23:11):
like you. You mentioned Bob Johnson, you mentioned John O'Brien,
these people have contributed to I believe a very significant
mental shift. That is, and it's critically important right now
because so much wealth is being created and it's so
much easier to access. But I think the fundamental thing
(23:32):
that requires, to your point, is a shift in how
people think about wealth. Yes, so that is part of
the reason why I am so excited and so welcoming
of this conversation. Now let's talk about this book. First off,
everyone needs a cop.
Speaker 2 (23:54):
Oh before we go, I want to give you one
more please, data point good what you just said about
the political impact in our community. I live in Washington, DC,
a huge swath of black people were ceremoniously dismissed doing
(24:21):
a Doge experience.
Speaker 1 (24:24):
Most black women.
Speaker 2 (24:27):
Completely wiped out, and that can have a significant impact.
But that is why this book is going to be
so profound. Okay, So I didn't want to make sure
we addressed them. Course, I felt so overwhelmed when so
many black women and I live in d C. And
DC had the highest number of federal employees in America.
Speaker 1 (24:50):
Just okay, go ahead, please, no, no, We covered that
extensively because around here we advocate for we protect black women.
That's right on this show, and so stories need to
be told. The data, if I remember correctly, something in
the at least early reports that came back had somewhere
in the neighborhood like upwards of three hundred thousand. That's right.
Black women, that's right, lost their jobs historically speaking, but
(25:14):
for black people in general, government jobs represented access to
the middle class. That's exactly right, and so eliminating that
as an access point and the people that were kind
of inhabiting that we lost, there was a significant amount
of wealth and income loss from the generation. That's right.
So okay, correct, Now, this book yes, before we go
(25:39):
any further, I want to make sure that people know
where they can get this book. Yes, so one more time,
any website, social media. We're going to hit it again
before we're done, but let's let's plug it a few times.
Rich is good, Wealthy isbetter dot com? Rich is good,
Wealthy isbetter dot com? Or simply go to win with
Willie dot com. When with Willie WI L L I
(26:02):
E dot com and you'll get access to the book, audiobook,
digital book, all the above. Okay, yeah, now you kind
of talked around it, yes, but I want to speak
to it directly. Yes, there are some people that might
be in that mindset. They hear two people talking about money,
they ain't got no money, yep. They I just don't
(26:25):
make enough money to invest. I don't like what is that?
What does that mean to me? I'll lay it on
bills right. First off, talk about who you wrote this
book for. Yes, and if indeed those type of people
that think that way, Look, I got to get my
kids later. This is great. I'm happy for you. But
if indeed you wrote the book for those type of
people that their brain immediately goes there. They get defensive
(26:47):
and is a great way to kind of explain it.
Talk to them, bring them in why this book is
important for them, why this way of thinking is important
for yes, and how they can get from that way
of thinking to where we want them, which is to say, hey,
this is possible. Here's some action the steps. So I'm
going to answer that question in a process.
Speaker 2 (27:07):
Sure, Okay, First understand that most people, as I said,
didn't understand then don't know the difference between being rich
and wealthy. And I was one of them, one of
those people. And I'm an educated man. I haven't earned
doctorate degree. Okay, but I didn't know.
Speaker 1 (27:23):
Rich's the result of money you earn from what you
do typically during the day. Wealthy is the money you
generate from what you own while you in bed sleep. Now,
going to your question, Now, if that's a long way
to what about people say, Hell, I'm just barely making money.
(27:43):
I'm just barely making my rent. I got these kids,
I got this stuff. I got no money. I can't
own nothing. Not true, not true. In the book, I
have a whole chapter of people who would not hire
income earners but who became wealthy. One of the greatest
(28:04):
examples is Mary Ellen pleasant a domestic worker in the
nineteen hundreds. She never earned more than six thousand dollars
in her life.
Speaker 2 (28:18):
Cleaning people's homes, but she lived below her means. She
invested the difference, and when she died she had a
net worth of two point seven million dollars. It is
about a mindset. My book, as I said earlier, is
not about financial advice. No, I'm not telling you what
(28:39):
to invest in. I'm telling you that all wealth is
built on three legs. First leg is income. You gotta
have income. In the more of the Merria, I tell
a story about a young man who went to the
fishing pier one day. An older gentleman was there with
a fishing rod, and he had that fishing rode out
(28:59):
in the water and he was catching trying to catch fish.
That young man, young man like you, dynamic looking, comes
out with a fishing rod and a brick. He put
the fishing rod in the water, put the brick on
a fishing rot, goes away. He comes right back with
another one and another brick. He ends up doing that
(29:19):
seven times, putting seven poles in the water and a brick.
And when you see a little tug on that road, he.
Speaker 1 (29:27):
Looked at all them.
Speaker 2 (29:29):
He'd run to that one pull a fish out. End
of the day, the guy with one rod had one fish.
The guy with seven had seven. The more poles in
the water, the more money you can make. The more
streams of income, the better. Okay, that's for income, live
below your means. And then two is invest you can
(29:49):
invest in today's words, you get fractional investing. What kind
of car you're driving, you're driving a Ford, a Chevy,
what kind of gas you use? You should own some
that stock where do you shot, Amazon, Walmart, whatever? Usually
own a little bit of that stock. You can buy
a dollar's worth ten dollars worth of a certain shock
(30:10):
infractional spuying shares. And then finally you must income invest
in insurance. You need to have insurance. You need to
have life insurance. If you love your children, you need
to have life insurance. If you get you got You
need the health insurance. I know it's hard to get
health insurance today's world, but you got to have something
because if you get sick, you don't want to attack
(30:33):
your nest egg that you're building to take care of
that crisis. You need to have fire insurance because fires happened.
So one of the things I have had on my
XM show, a guy who was building an entrepreneur mainarial business,
had a studio like this, had uses and had a fire,
(30:56):
but he had really good in life fire insurance. Another
thing he did, he said, go through your house. Everybody,
listen to this. You should do this with your phone.
Put it on video and take a video of everything
you have in your house.
Speaker 1 (31:10):
Everything.
Speaker 2 (31:11):
Open up the medicine cabinet, every medicine, every band aid,
every bottle of alcohol, whatever you get, your toothbrush, everything,
Take a picture of everything. If you have a fire,
hopefully you won't, but if you do, you got a
record of all the stuff. And if you got insurance
and a better than insurance, they have to replace everything anyway.
Speaker 1 (31:33):
So rich is good, wealthy is better. I love that,
all right? I love that? All right. Well, stay tuned.
We'll be back with more right after this.
Broadcasting from the Hip Hop Weekly Studios. I'd like to
welcome you to another episode of Civic Cipher, where our
mission is to foster allyship, empathy and understanding. Big shout
out to my man q Ward, who has taken the
day off today, but I'm still in the saddle. I
go by the name ramses Jah, and we are going
to have some fun today. We have a special guest
(00:20):
that is joining us, and we are going to talk
about something that affects everybody's life, and that is money.
It is the most important deity and it is inescapable
death and taxes as it were. So without further ado,
let's get right into it with today's guest. Doctor Willie
Jolly is a man on a mission. He is a
(00:42):
Hall of Fame speaker, singer, best selling author, and popular
media personality. In January twenty twenty three, he received the
Joseph R. Biden Presidential Lifetime Achievement Award. In July twenty
twenty three, he was the recipient of the National Speakers
Association's highest and most cherished award, the Cabot. Doctor Willie
Jolly is the author of several international best selling books,
(01:05):
including It Only Takes a minute to change your life.
Setback is a setup for a comeback. Turn setbacks into
greenbacks and an attitude of excellence and contributing author of
Chicken Soup for the Christian Soul, Doctor Jolly is co
author with his wife of thirty seven years, detailor detailor Jolly,
let me get that right, of the popular marriage book
(01:27):
Make Love, Make Money, Make It Last. Ten Secrets to
shape a Great marriage. I like that. Yes, Their ted
talk from the book entitled how to Never Argue Again
in Marriage is a big hit for relationships globally, and
today he brings his latest work, Rich is Good, Wealthy
is better, Doctor Willie Jolly, welcome segar show. Well.
Speaker 2 (01:49):
I have only just a minute, only sixty seconds in it.
Forced to pun me. Can't refuse it. I didn't seek it,
I did not choose it. But it's up to me
to use it. I must suffer if I lose it.
Give a counterifi abuse it just a tiny little minute,
but our eternities are wrapped up in it. So I'm
grateful for this minute, this moment, this opportunity to be
on with you.
Speaker 1 (02:10):
I like that. All right, thank you, doctor John. All right,
you pour some life into me. Let me go to
have a great time.
Speaker 2 (02:16):
Thank you for making and taking time to share me
and this message with your listeners, your viewers, and your community,
your your world.
Speaker 1 (02:27):
And I'm grateful for it. Yeah. No, I I appreciate
that too. One of the things that we don't get
to do enough that is critically important is have conversations
like the one we're about to have where people give
people the tools to master their finances for better or worse. Yes,
(02:49):
this is capitalism. This is the name of the game.
And mastering that apparatus will allow us to change it.
You cannot change it when you're being crushed by it.
You guys, master and then change it if you.
Speaker 2 (03:02):
I think anybody who wants to one control their destiny
to impact their legacy because with this, this conversation is
going to help anybody who wants the one discover what
wealth is and how it is profoundly different from rich
(03:24):
and how most people don't know the difference. Second, anybody
who wants to empower their children, their grandchildren, or their
relatives to make and take full advantage of their hard
work to create a legacy or a nest egg, then
(03:44):
they're going to want to tune into this. This could
literally be a conversation that changes your grandchildren's grandchildren.
Speaker 1 (03:53):
I love that. I love that. So I've given a
little bit of your background. Yes, at that presidential lifetime
that did some heavy stuff. Well, thank you. You could
tell your story a lot better and then let me
be let me be very fair. Yeah, I had to
kind of whittle that down, and it all reads just
(04:15):
like that, your whole entire bio. You're such an impressive
person who's lived such an impressive life. But for our listeners,
who has just be coming to this conversation, talk a
little bit about you know yourself, your background, yes, and
what makes you the expert that we are listening to.
Speaker 2 (04:28):
Too, Well, I think what is important for people to
know is that I am them. Okay, So many people
might say, well, this guy has won all the awards,
he has best selling books, he's been a noted radio personality.
Speaker 1 (04:44):
How does he relate to me.
Speaker 2 (04:45):
Well, I'm a guy who was a nightclub singer.
Speaker 1 (04:49):
For many years.
Speaker 2 (04:51):
Everybody who's listening, by the way, has heard my voice
many times. Really over the years I was a nightclub singer,
but I made a significant amount of my revenue singing jingles.
I was a jingle singer that sang jingles for pizza.
Speaker 1 (05:08):
And making it great. We work well together, news for you,
b E T. Black Entertainment TV.
Speaker 2 (05:18):
So I sang jingles doing today, but I made the majority.
Now I was significant amount from jingles, but I made
the majority of my revenues singing in nightclubs in Washington,
d C.
Speaker 1 (05:32):
Atlantic City. Won the award in DC where I live
as the.
Speaker 2 (05:37):
Best jazz singer, best entertainer, best performer. And was making
a living, enjoying life and doing great, had a new
sports car, had bought a new home, just enjoying life.
Speaker 1 (05:50):
But then I had a setback.
Speaker 2 (05:53):
And I always like to ask people, how many of
you have ever had a setback?
Speaker 1 (05:57):
How many have had a personal setback? All right?
Speaker 2 (05:59):
How how many have had a professional setback? How many
have had a financial setback? How many have I had
a relationship setback? How many you got children? How anybody
got teenagers?
Speaker 1 (06:10):
Oh? Yeah, you know what a setback means. Well, I
had a setback.
Speaker 2 (06:14):
I went into the night club one night and the
club manager said, we'll talk to you afternight' show. I
told the guys in the band, we've been selling out
for months. We got standing room only, the audiences, we've
won all the awards. We're finally going to get our raise.
I walked into the manager's office and he said, you know,
we love you. I said, thank you. We made a
(06:34):
lot of money since you've been here. I said, thank you.
He said, you know you are just fantastic. I said,
thank you. He said, that's why it's hard for me
to tell you what I got to tell you. The
owners of the club have decided to get a better
return on investment, and the only way to do that
with a full nightclub is the lower the costs and
(06:54):
the band. The live entertainment is the highest costs we have.
And there's something new going around America that's filling up
nightclubs that's a lot cheaper than live entertainment.
Speaker 1 (07:06):
It's called karaoke. I said, what. Wow.
Speaker 2 (07:09):
He said, karaoke, and this is the start of the
karaoke craze. No one had ever heard that word before.
What is karaoke. It's recorded music where people sing to
this track, and it's filling up nightclubs. People are lining
up for this, standing in line for hours, and we're
going to give that a shot for a while. I said,
(07:29):
But what about my bills? And I learned that night,
no one cares about your bills but you and the
people you ow.
Speaker 1 (07:36):
Am I right about it? In radio? Yeah? You know
that's right.
Speaker 2 (07:39):
And I was devastated because I'd worked so hard to
build this nightclub from nothing into the number one night spot.
I'd sent up my own flyers, my own postcards, I'd
done radio and television interviews. I'd worked hard. But yet
I was like everybody else. I got fired, downsized, right size.
(08:02):
You can call it whatever you want.
Speaker 1 (08:03):
But the end of the day, I got fired, and
I was devastated because I didn't know what I was
going to do next. This was the height of the
top of the food chain in nightclubs. I didn't want
to go back to the one hundred dollars a night nightclub.
Speaker 2 (08:19):
What am I going to do? And I was depressed.
I was almost despondent. But a friend of mine gave
me a motivational cassette tape and a book. The book
was entitled Think and Grow Rich. Now, I had never
read a book from cover to cover in my life.
(08:42):
I was the guy who only read the sports pages.
I never read a book. And by the way, I
was the guy in high school who was at half
of the class that made the top half possible. I
was not a good student, so I wasn't a reader
and I wasn't academic. But I read this book thinking
(09:03):
were rich. And in the book there's a premise that
throughout the book that says, wherever there's an adversity, at
that same point, there's the seed of great opportunity. And
I kept thinking about that. So first I read the book,
and then I listened to this audio motivational cassette. I
(09:23):
had never heard a motivational message in my life, and
this guy said, in five years, you'll be the same
person today as you are. In five years, you'll be
the same person as you are today except for two
Thanks the people you meet who inspire you in the
books you read that empower you. What the people you
(09:45):
meet who inspire you in the books you read that
empower you. And I started reading books. I read Think
and Grow Rich. Then I read the Power of Positive Thinking.
Then I read the Magic of Thinking Big. Then I
read The Richest Man in Babylon. And I just read
one book after another. Thought of going to seminars and
(10:06):
getting more motivation and self development and self help in
my brain, and I kept in mind that premise where
there's an adversity, at the same point, there's a seed
of great opportunity. I took a job while I was
trying to figure out what I was going to do
with the rest of my life with the Washington, DC
Public school system as a drug prevention coordinator. And it
(10:31):
was during the height of the crack cocaine epidemic in
DC and I started, as part of my job, giving
little speeches to kids about staying away from drugs. And
it was during that time that I discovered what I
was born.
Speaker 1 (10:51):
To do, a gift I didn't know.
Speaker 2 (10:53):
I had to speak, and from the little kids, the
teachers would invited me to their teachers group, and then
someone they would invite me to their church.
Speaker 1 (11:03):
And then someone in the church would come.
Speaker 2 (11:04):
Up and say, hey, hey, hey, hey, I've got I
work for this company, that company, this government agency. We
love your energy. Would you come speak for us? And
I kept speaking and one day Ramsey, I was in
a little teeny winning hotel room, only about twelve people
in a row, and I was speaking and I was
on fire and down the hallway that night there was
(11:25):
going to be a big motivational rally in the ballroom,
and one of the speakers from that night's rally was
walking by my room and my door was opening my
doorway to the hallway, and he stood outside and listen
to my message. He was going to do his sound check.
His name was Les Brown, the Great Motivational Speaker, And
(11:47):
when I finished, he came in and said, young man,
I loved what I just heard, and I'm looking for
someone to be an opening act for a new tourm
launching and you speak and you sing, and that's what
I've been looking for, someone who does both. The tours
entitled the Music and Motivation Dream Team Tour.
Speaker 1 (12:10):
Are you interested?
Speaker 2 (12:12):
I said, I think so, and shortly thereafter we kicked
off the Music and Motivation Dream Team Tour, which featured
Les Brown, Billy Preston, the great organists, Gladys Night, and
a little guy from Washington, DC.
Speaker 1 (12:28):
Me.
Speaker 2 (12:29):
Because the lesson Gladys, they introduced me to radio people.
I got a little radio show and it got popular
and got syndicated and it led to XM and I'm
on it that now I have the number one self
help show in America on Sirius XM. The Willa Jolly
Wealthy Way show on Sirius XM channel one forty one
airs on Saturdays at four o'clock and rears Tuesdays and
(12:52):
Thursdays at six pm, both Eastern Time, channel one forty one,
which led to iHeart Radio, give me a podcast and
all of that, and that led to me being syndicated.
And one day a book publisher heard me on the radio,
called my office and said, I loved your ideas. Have
you ever thought about writing a book? I said no,
I never thought about it. He said, let me make
(13:13):
you an offer. I said, I just think I thought
about it. I'm gonna write a book. I like that
kind of money. And so I wrote a book called
It Only Takes a Minute to Change Your Life that
became a national bestseller.
Speaker 1 (13:25):
Then I read wrote a book called a Setback Is
a set Up for a Comeback, became a global bestseller,
and then turned setbacks into greenbacks, then an Attitude of Excellence,
then Chicken Soup for the Christian Soul, and then a
book I wrote with my bride called Make Love, Make Money,
(13:45):
Make It Last.
Speaker 2 (13:46):
We are newly waste by the way Ramseys June of
this year will be married forty one years. We said,
how you say you're a newlyway because I still got
the fire for her. That's how we've been married. And
I told him, I say, if you leave me, I'm
coming with you anyway. So I wrote the book, that book,
and then things started exploding, and I got named one
(14:09):
of the top five speakers in the world by Toastmasters.
I was inducted into Speaker Hall of Fame in two
thousand and five, and then in twenty twenty thirteen, I
was named a Legend of the Speaking Industry. Twenty twenty three,
I was given the highest award in the speaking industry,
the Cavot Award, which is like the Heisman or the Oscar,
and I'm the first African American man to get that award.
(14:30):
And then ward afterward, the Titan John Hopebrian gave me
Les Brown and George Frazer the Titans of Speakers Award
in twenty twenty five. And it all, and it all
happened Ramses because I got fired, replaced by karaoke machine,
had a setback, And I'm speaking to all the people
who are listening who might have gone through what I
(14:51):
call the devastating deeds of life. You might have been downsized,
you might have been gone through a divorce, you might
have had a diagnos you might have contracted a disease,
you might have had a disaster, you might have lost
the had the death of a loved one. I don't
know which one it is, but everybody has had some
(15:11):
setback in their life. And my book A Setback, Set
Up for Comeback is a book that helped people turn
their setbacks into comeback. So in the book I talk
about the lessons I learned. My story is only the
first couple of pages. But in the book I interviewed
people who had massive setbacks like Lei Coca, John Travolta,
Les Brown, and Wally Famous, same as Vanessa Williams, one
(15:37):
person after another, but the ones that changed my life
for the people who are not famous, like the young
man I interview who had a small business, had a setback,
went bankrupt, lost his house, lost his car, but he
came back, built a company called Deymark, one of the
biggest merchandising companies in the country, two hundred and forty
million dollar a year company. Or how about the ninth
(15:58):
grade math teacher who went in for her check up
and was told she had terminal breast cancer. Given six
months to live, she said, I can't die now. I've
got too many children to teach. They said, ma'am, you
got six months. Go and get your affairs in order.
She sat there for a few more and more minutes,
gathering her thoughts. Then she looked at doctors and I said,
I just made up my mind. I'm gonna live for
(16:21):
at least twenty five more years because I asked, I
got too much to do. But that lady lived for
thirty two more years. When she died, I eulogized her,
and she said something in her and my interview goes.
Speaker 1 (16:32):
When I interviewed her for the book, I sat back,
set up for a comeback. That changed my life. She said,
tell the people in your book, I might have cancer,
but cancer does not have me. She beat cancer four times.
She did not die from cancer. She died from old age.
She said.
Speaker 2 (16:48):
The other quote, She's changed my life. She said, write
it like I tell you. I said, yes, ma'am, that
doctors can give you the diagnosis, but God gives you
the prognosis.
Speaker 1 (16:58):
And then the.
Speaker 2 (16:58):
Last one I want to give it. A lady who
was going up the corporate ladder, struggling to get up
the ladder and got almost up to the top, and
they tota, you're too old, we don't need you anymore.
But she came back and bought the company. So you're
going to have setbacks of life. So this book, a Setback,
Setup for comeback, transforms your thinking to say, this setback
(17:20):
is not the end of my story. It's a bend
in my story. And the only ones who fail are
those who stop changing bending. But the new book, the
new book is how do you turn your setbacks into
great financial comebacks. The book is entitled Rich is Good,
(17:42):
Wealthy is Better, And it's the result of my twenty
years of XM interviewing the likes of Bill Marriott, David Rubinstein,
Damon john John, Hope Bryant, ted Leoc's Bob Johnson, Sheila Johnson,
(18:04):
David Stewart, the wealthiest black man in America, one billionaire
multimillionaire after another for twenty years, and one day, four
or five years ago, sixteen years unto hosting The Wealthy
Way Show. Sixteen years into that show, one day the
proverbial light bub went off above my head and I said, oh,
(18:29):
I finally get what Bob Johnson was trying to say
to me when he told me the key was to
make money while you're in bed. And when he said it,
I said, what no word is Bob talking about. You
can't make no money in your bed.
Speaker 1 (18:45):
You know, I was for a motivational speaker telling people
to get up and grind, stay up late, don't stay
in that bed. You can't make no money in bed.
And yet this man says, my goal is make money
in bed. I said, how do you do that?
Speaker 2 (18:58):
I don't understand. Like mine was of not the I
was not of the consciousness to get what he was saying.
I couldn't fathom comprehend because I wasn't ready. But that day,
when that light bulb went off, it hit me. Now
I get it, the profound difference between being rich and
(19:20):
being wealthy. And I said to myself, Willie Jolly, you
are the only one who didn't get it. Everybody else
gets it. You're just the slow one. So I said,
I just I guess I missed a memo. So as
I went around the country, interviewing, I mean, speaking for
corporations and conventions and events around the country.
Speaker 1 (19:44):
I'd ask people what is rich to you.
Speaker 2 (19:50):
I do my own little survey and the number one
as was always a million dollars. You got a million dollars,
You rich?
Speaker 1 (19:57):
Okay, cool?
Speaker 2 (19:58):
So if rich, which is a million dollars, then what's wealthy?
And they'll stop, they'll think, they'll look, they'll ponder, they'll
look up in the air and they'll say, uh, I
guess it's five million, ten million, a million. That's when
I knew they didn't know either. Most people didn't know
(20:20):
what the difference was. So now I got this theory
in my brain with the difference between being rich and wealthy.
I go back to the Bob Johnson, Sheila Johnson's, Ted Leons's,
the David Rubins signs, and I'd call him and say,
let me ask you a question.
Speaker 1 (20:35):
Here's my theory. Am I right? Oh yeah, you're right.
You're absolutely right, And most people don't know what it's
like a secret. I say, really, in fact, Willie, you
write books, you do television and radio, you get the platform,
write a book, tell people the difference, particularly in our community,
(21:00):
because they need to know. So that's what I did,
and for the last couple of years I've been doing
the research for writing the book. The book is called
rich is Good, Wealthy is Better. And let me tell
everybody for the record, this book didn't come from me.
It came through me. And I am not a financial planner.
(21:21):
I'm not a financial advisor, but I'm a real good listener, okay,
and I've listened really well the difference between being rich
and well. Okay, hey, look I'll take that. Come on,
so pour it into Are you ready? Yes, I'm ready. Okay,
So here's here's so let's bring our listeners in a
little bit further along. Yes, one of the things that
(21:43):
our listeners have noticed, things we've covered on the show
is how black, brown, historically marginalized YEP people yep have
consistently throughout history been left behind yepally yep or because
of a lack of knowledge. My people are destroyed by
(22:05):
lack of knowledge, curtis it is, but in either case
further disenfranchised. Right this current administration. One such example exactly
would be you know, the crypto stuff that took place
at the beginning and this administration talking about the stock
market and these wild swings in this prediction investment market,
(22:27):
that sort of thing where you know, it kind of
takes a little bit of capital to even play in
those games. And as a result of that and perhaps
a lack of knowledge that we just talked about, black
people are underrepresented in those specific methods of getting to
at least some money. Now, the reason I say this
(22:49):
is because when black people are left out of these
sorts of conversations, it historically over and over again. If
your granddaddy was broke, that's right, and your daddy was
broke and you're broke, you might start to think this
is a natural state of being. But I think people
(23:11):
like you. You mentioned Bob Johnson, you mentioned John O'Brien,
these people have contributed to I believe a very significant
mental shift. That is, and it's critically important right now
because so much wealth is being created and it's so
much easier to access. But I think the fundamental thing
(23:32):
that requires, to your point, is a shift in how
people think about wealth. Yes, so that is part of
the reason why I am so excited and so welcoming
of this conversation. Now let's talk about this book. First off,
everyone needs a cop.
Speaker 2 (23:54):
Oh before we go, I want to give you one
more please, data point good what you just said about
the political impact in our community. I live in Washington, DC,
a huge swath of black people were ceremoniously dismissed doing
(24:21):
a Doge experience.
Speaker 1 (24:24):
Most black women.
Speaker 2 (24:27):
Completely wiped out, and that can have a significant impact.
But that is why this book is going to be
so profound. Okay, So I didn't want to make sure
we addressed them. Course, I felt so overwhelmed when so
many black women and I live in d C. And
DC had the highest number of federal employees in America.
Speaker 1 (24:50):
Just okay, go ahead, please, no, no, We covered that
extensively because around here we advocate for we protect black women.
That's right on this show, and so stories need to
be told. The data, if I remember correctly, something in
the at least early reports that came back had somewhere
in the neighborhood like upwards of three hundred thousand. That's right.
Black women, that's right, lost their jobs historically speaking, but
(25:14):
for black people in general, government jobs represented access to
the middle class. That's exactly right, and so eliminating that
as an access point and the people that were kind
of inhabiting that we lost, there was a significant amount
of wealth and income loss from the generation. That's right.
So okay, correct, Now, this book yes, before we go
(25:39):
any further, I want to make sure that people know
where they can get this book. Yes, so one more time,
any website, social media. We're going to hit it again
before we're done, but let's let's plug it a few times.
Rich is good, Wealthy isbetter dot com? Rich is good,
Wealthy isbetter dot com? Or simply go to win with
Willie dot com. When with Willie WI L L I
(26:02):
E dot com and you'll get access to the book, audiobook,
digital book, all the above. Okay, yeah, now you kind
of talked around it, yes, but I want to speak
to it directly. Yes, there are some people that might
be in that mindset. They hear two people talking about money,
they ain't got no money, yep. They I just don't
(26:25):
make enough money to invest. I don't like what is that?
What does that mean to me? I'll lay it on
bills right. First off, talk about who you wrote this
book for. Yes, and if indeed those type of people
that think that way, Look, I got to get my
kids later. This is great. I'm happy for you. But
if indeed you wrote the book for those type of
people that their brain immediately goes there. They get defensive
(26:47):
and is a great way to kind of explain it.
Talk to them, bring them in why this book is
important for them, why this way of thinking is important
for yes, and how they can get from that way
of thinking to where we want them, which is to say, hey,
this is possible. Here's some action the steps. So I'm
going to answer that question in a process.
Speaker 2 (27:07):
Sure, Okay, First understand that most people, as I said,
didn't understand then don't know the difference between being rich
and wealthy. And I was one of them, one of
those people. And I'm an educated man. I haven't earned
doctorate degree. Okay, but I didn't know.
Speaker 1 (27:23):
Rich's the result of money you earn from what you
do typically during the day. Wealthy is the money you
generate from what you own while you in bed sleep. Now,
going to your question, Now, if that's a long way
to what about people say, Hell, I'm just barely making money.
(27:43):
I'm just barely making my rent. I got these kids,
I got this stuff. I got no money. I can't
own nothing. Not true, not true. In the book, I
have a whole chapter of people who would not hire
income earners but who became wealthy. One of the greatest
(28:04):
examples is Mary Ellen pleasant a domestic worker in the
nineteen hundreds. She never earned more than six thousand dollars
in her life.
Speaker 2 (28:18):
Cleaning people's homes, but she lived below her means. She
invested the difference, and when she died she had a
net worth of two point seven million dollars. It is
about a mindset. My book, as I said earlier, is
not about financial advice. No, I'm not telling you what
(28:39):
to invest in. I'm telling you that all wealth is
built on three legs. First leg is income. You gotta
have income. In the more of the Merria, I tell
a story about a young man who went to the
fishing pier one day. An older gentleman was there with
a fishing rod, and he had that fishing rode out
(28:59):
in the water and he was catching trying to catch fish.
That young man, young man like you, dynamic looking, comes
out with a fishing rod and a brick. He put
the fishing rod in the water, put the brick on
a fishing rot, goes away. He comes right back with
another one and another brick. He ends up doing that
(29:19):
seven times, putting seven poles in the water and a brick.
And when you see a little tug on that road, he.
Speaker 1 (29:27):
Looked at all them.
Speaker 2 (29:29):
He'd run to that one pull a fish out. End
of the day, the guy with one rod had one fish.
The guy with seven had seven. The more poles in
the water, the more money you can make. The more
streams of income, the better. Okay, that's for income, live
below your means. And then two is invest you can
(29:49):
invest in today's words, you get fractional investing. What kind
of car you're driving, you're driving a Ford, a Chevy,
what kind of gas you use? You should own some
that stock where do you shot, Amazon, Walmart, whatever? Usually
own a little bit of that stock. You can buy
a dollar's worth ten dollars worth of a certain shock
(30:10):
infractional spuying shares. And then finally you must income invest
in insurance. You need to have insurance. You need to
have life insurance. If you love your children, you need
to have life insurance. If you get you got You
need the health insurance. I know it's hard to get
health insurance today's world, but you got to have something
because if you get sick, you don't want to attack
(30:33):
your nest egg that you're building to take care of
that crisis. You need to have fire insurance because fires happened.
So one of the things I have had on my
XM show, a guy who was building an entrepreneur mainarial business,
had a studio like this, had uses and had a fire,
(30:56):
but he had really good in life fire insurance. Another
thing he did, he said, go through your house. Everybody,
listen to this. You should do this with your phone.
Put it on video and take a video of everything
you have in your house.
Speaker 1 (31:10):
Everything.
Speaker 2 (31:11):
Open up the medicine cabinet, every medicine, every band aid,
every bottle of alcohol, whatever you get, your toothbrush, everything,
Take a picture of everything. If you have a fire,
hopefully you won't, but if you do, you got a
record of all the stuff. And if you got insurance
and a better than insurance, they have to replace everything anyway.
Speaker 1 (31:33):
So rich is good, wealthy is better. I love that,
all right? I love that? All right. Well, stay tuned.
We'll be back with more right after this.
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