August 21, 2025 • 46 mins
In this episode, John breaks down how the same skills that fuel the hustle can be transformed into legitimate businesses and lasting wealth. From the street corner to the corner office, he shares personal stories, real-world examples, and practical steps to shift from survival mode into strategy, ownership, and legacy. Whether you’ve hustled to make ends meet, juggled multiple jobs, or simply wanted to turn your grind into growth, this episode offers a blueprint to flip street smarts into generational wealth.
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Speaker 1 (00:00):
Welcome the Money and Wealth with John O'Briant, a production
of the Black Effect Podcast Network and iHeartRadio. Hey, Hey, Hey,
it's John O'Briant, and this is the Money in Wealth
podcast series. I'm broadcasting podcasting live to you from halfway
(00:27):
around the world and Malai wai. But I'm still thinking
about you. I'm still thinking about how to change your life.
And I could not pass up this opportunity to ignite
a fire because this is a Black Business Month at
(00:53):
a time where black businesses probably feel and black people
probably feel incredibly challenged. And I may be halfway around
the world, but my heart is right there with you,
and so is iHeartRadio, and so is Charlemagne that God,
and so is Black Effect Network. And so we've come
(01:14):
together to create some tips for you this month. Please
download them check them out there. One minute hits really
trying to help you to create a rainbow out of
the storm. To the government has basically said you're on
your own. And the good news about that is, well,
(01:37):
your mindset should be your on your own, and so
now you have little choice but to frame that vision
for yourself. So let us help you help yourself to
become self reliant, which everybody wants, but most notably it
should be you. So this is not anything other than
straight laced advice about how you take control of your
(02:02):
life wherever you happen to be. I'm going to break
down in the next few weeks in August, but also
woman that is going to bleed into September from a
serious perspective. I'm gonna get into how to start a business.
I'm going to make it really basic, how to buy
a home, and this episode from hustling to holdings, turning
(02:26):
street smarts into generational wealth. Tell all your friends to
check this out. I'm gonna meet you where you are.
To quote my friend Tim Burt, who's a recent guest
on my podcast, We're gonna put this where the goats
can get it. That's an old Southern tale, Southern saying
that says basically, wherever you are in life, you'll be
(02:48):
to relate to this and pick it up and use
it because I used to be there, Because I always
want you. So this episode here, I want you to
tell all your cousins, your friends, this is for the
least of these God's children. That was me, by the way.
This is for those who have too much month at
the end of their money. This is for those who
(03:10):
have been doing so much with so little for so long.
They now know they can almost do anything with nothing.
This is for those who have had to take no
for vitamins their entire life. This is for those who
may have done some time in prison in the penitentiary.
This is for those who may have done made some
(03:30):
mistakes along the way. Maybe it was in prison or
that other thing of crime. But maybe you cut some corners,
maybe you did some things you weren't so proud of.
But now you want to legitimize all that talent that
God gave you. I'm gonna help you out. I'm gonna
meet you where you are. I have said publicly, I've
said here a drug dealer is legal and unethical as
(03:51):
a business. It's not a legitimate business, and it won't sustain.
There are no retired drug dealers. But what a drug
dealer is not is dumb. A successful drug dealer. I
know that's an oxymoron. But a successful drug dealer understands import, export, finance, marketing, wholesale, retail,
(04:13):
customer service, security, territory, and logistics. They understand customer service.
They understand global markets. These are not dumb people. These
are very very smart people who just were planted in
the wrong soil. As I've said, if you hang around
nine bro people, you'll probably be the tenth. So they did.
(04:37):
They were born in the wrong zip code, They didn't
know the right affluent friends, whatever, did not have the hookup. Right.
They ended up in this situation, right, because a lot
of people ended up in a situation who've legitimized themselves
and becoming vastly successful, right, a lot of them you
know from the rap game. Right. But I'm gonna I
want to make this personal and then I'm gonna get
(04:58):
into the details of the how and this these these
these examples, I'm gonna give you any suggestions. Applies to everybody.
You have a college degree, this applies to you. You
can be too smart for your own good. Yes, I
said it. Being smart and being intelligent, having college degrees
and all this stuff is beautiful, but it's not enough.
I know a lot, as Ambachlor young Ones told me,
(05:21):
I we he knows a lot of educated fools. So
PhDs are good, PhDs are even better. You want to
do to have both, right, and you got to hustle
you got to execute, you got to a customer. An
idea without a customer next to it. So it says
my friend Jim Clifton of Gallop, is is just a dream.
(05:42):
It's not. It's just an idea, all right, a dream,
an idea with a customer without a customer next to it.
It's just an idea. It's a dream. It's a fantasy, right,
It's not a business. And the good thing about this
category of folks I'm talking about it is that they
really have figured out the most important part, which is
the execute. They figured out how to to move on
(06:03):
their dreams. They just had the wrong dreams. So make
this very personal. I was growing up in comflin California,
and with my mother and I had decided I wanted
to start a business and I it was a I know,
I remember, it was a Pela and a less, a
sports way sportswear business. And before that, well, in order
(06:27):
to get some inventory, I need some money, and so
I borrowed some money from this neighborhood lender, gangster Okay
and brother and I went. I was buying this inventory
U Feeland less a sportswear from Mexico. I'd gone over
the the the border in the southern from southern California.
(06:50):
I don't know where I was living in Contort, South
Centrare at this time. Anyway, I've gone over. I'd gone
over the border in Mexico border bought legitimate feeland or
less a sportswear because I really lies the people who
are getting locked up so are getting sued, and some
of them getting locked up were selling knockoff goods, you know,
fraudulent goods. So they're being sued to death and they're
(07:11):
being locked up that I wasn't feeling that. I'm not
going to jail, prison, jail, none of it right, and
I don't want to be sued. So I figured out
that there were I did some research, this is before
the internet, did some research and found out there was
a legitimate license for a lesse sportswear and Fila fi La.
You didn't know that it was huge brands back in
the day. There was Fela Talia right Phila Brasilia, Brazil,
(07:35):
and Phila Mexico, Mexico. Well, I was right next to Mexico.
So I went over the border and went and found
a legitimate Phila Mexico, Mexico store bought some of their
goods for a fraction of the price retail. Brought them
over because the license in Mexico was a different price point,
at least back then. Again, there was no internet back then,
so you couldn't price check. I was in my teens,
(08:00):
so brought him over in my car, sold him at
a markup still below what the retail was for feeling
a LSA in the United States. And it was in
my early twenties, late late teens, early twenties. I was
doing this business. And the short version of this particular
story is I'm gonna get back to the lender, but
(08:22):
the story is instructive. Also, I opened up a storefront,
this time in Beverly Hills on Pico Boulevard. And I
want to thank Kip Morrison, who I met through a
wealthy man named Harvey Baskin. I used to work for
who was the first billionaire but Maddy. He was worth
two hundred million back then, but the same thing, and
(08:42):
I was his assistant. I would have paid him to
work for him because I got I learned so much.
He introduced me to a number of people, including Kip Morrison.
Kip Morrison on the Public Relations Agency she had an office,
a small office, and I had a choice. I'm bouncing
around the stories, but this is when I ended up
being a homeless because I didn't I had five hundred
(09:03):
dollars a month, but I couldn't afford an apartment in
an office. So I decided to rent the office because
that might make me some money, and I would just
live in my jeep. I couldn't have it. There was
a choice lifestyle and flossing or financing and framing a future.
So that's I ended up homeless. Was I lived in
my jee because I couldn't afford only five dollars a month,
(09:23):
and I couldn't afford to do both. Anyway, Fela ended
up showing up to my office. Getting off track here,
but I think this is important. They showed up in
my office to expect because they heard I was selling
these goods. I had a full showroom, and they took
some products, Boston products, and said can we leave with this? Yeah? Sure,
paid for them, and they came back here a few
weeks later, not a couple of days later. They thought
(09:44):
they were going to bust me for illegal goods. They
came back to me a few weeks later and they
hit me with a with a lawyer letter then the
biggest law froom in the world, and essentially blah blah blah.
It sued me for unfair competition. So I went to
my newly minted lawyer, who didn't have a lawyer back then.
I hired a lawyer. What does this mean? They laughed.
The lawyer laughed and like, look, John, you're just smart,
(10:05):
like you've outwitted them. Like they didn't know what you
were doing. They thought it was legitimate, illegitimate, so they
suit you for an unfair competition because they didn't know
what else to do. Essentially going to put stick one
hundred attorneys on you, biggest law firm in the world
and going to just run you dry, run you into
the ground because they know they're big and they know
you're small, and you've outwitted them. What do they want
you to do is sign over this document saying you'll
(10:26):
never do this again, give them the rest of your inventory.
And I'm like, I'm not doing that. I've got my honor. No,
you don't want to be broke. You won, John, the
attorneys like you won. You out smarted one of the
biggest brands at that time. In the world and one
of the biggest law firms in the world. Just sign
the stupid document and move on. Otherwise they'll just kill
you in court with court fees, and unlike now, I
(10:49):
didn't have the resources I have now to fight a
good fight. So I signed it even though I was
doing nothing illegal, and moved on and did consider it
a huge success. That gave me enormous confidence. I had
gone up against one of the biggest brand's, biggest law
firms in the world and had won effectively. Okay, let
me back up in this story, because before all of that,
(11:10):
I was still back in the hood south central en Compton,
and this was back when I was selling it out
of my car and the neighborhood at financier Pooky and them, right, brother,
I remember him. I tried to pay him back after
I'd sold some goods and he was like, what are
you talking about. I'm your partner. Excuse me, No, No,
I just brought some money from you. And but by
(11:31):
the way, what's the interest? He's like, you notice I
didn't tell you what the repayment was, right, you know,
you don't pay a guy like me back. I'm your
partner for life, and he looked at me, He's like,
you know, you're not used to this game, like this
is not your deal. You know you're you're a good guy.
I can tell pay me my money back, give me
whatever he said his interest was, and never come here again.
(11:51):
I don't want to see you ever again. If I do,
you're got to be in trouble. And he saved my life.
These are a lot of people like this who who
I don't remember their names. But this guy who was
a neighborhood hudlum, neighborhood financier, right Nick, well, he it
was gangster. Let's just say it. Call it what it was.
But on this case occasion, he was a saint, and
(12:13):
a saint as a center that got up to quote
my father in law, doctor Dalton, we're all angels with
dirty faces faces. So that guy, because he would not
he did not decide to exercise his contract option in
his mind, which was I was going to be owned
by him for the rest of my life, will never
be to get myself out of that deal. He saw
(12:35):
talented me, and he saw authenticity in me and said
you need to go. You just need to get out
of here. You don't belong in the neighbor. I know
how he got into compt in South Central, right, right,
and I thank him for that, right And and so
I'm saying to you that this is a virtual hood
we're talking about. Like you know, you're not locked into
a situation, right, you can do and go wherever you want,
(12:56):
pakicularly now with the Internet and artificial intelligence, even if
you're in prisoned, you're free because your mind is able
to roam the world. Okay, So from hustle to holdings,
turning street smarts into generational wealth. Right, So this is
Black Business Month. I want to thank, by the way,
(13:17):
iHeart Radio and Black Effect Network for saluting black businesses
this month and for featuring my Money and Wealth podcasts.
You'll be searing and seeing these one minute outtakes, download them,
share them, and thank Black Effect Network and iHeart for
doing this. Please, there's nothing partisan about prosperity, right, This
(13:38):
is not political. This is just common sense. We want
everybody to see black businesses, white business you know businesses,
Asian Indian businesses. Right. This is just something happens to
be focused because it's a Black Effect Network on black businesses.
By the way, look up one MBB one million Black
Business Initiative for tools. This is this part of the toolbox.
I'm gonna pay out for you at Operation Hope, economic
plumbing work, creating for the nation for your uplift, and
(13:59):
everybody else is up lift and focusing on you at
the moment. So uh, economic empowerment isn't just about making money,
It's about making money work for you. This one for
(14:22):
everyone who's ever hustled, whether it was on the block
in the prison yard, are at two jobs just to survive?
That was my mother, by the way, wanting to smith.
The skills you have are real. The question is are
you ready to flip that hustle in the holdings? Again,
(14:43):
I've already described a drug dealer. They understand income and
you know income export and income, you know expense, wholesale
retail financing, you know network marketing. They understand all that
hr and then what's what's a what's a gang leader,
a frustrated union organizer? Okay, these are natural skills, just
(15:07):
improperly apply. So what would happen if you turn that
hustle into something legitimate? Here's a blueprint to go from
the street corner to the corner office. The first thing
I want you to do is we're just setting the
foundation here is. I want you to create a mind
(15:29):
shift from surviving to strategy, from survival to strategy. Right,
my book Up from Nothing I Believe, or the book
the Memo, I talk about the three mindsets, a surviving mindset,
a thriving mindset, and a winning mindset. Right, a surviving mindset,
it sounds it is exactly what it sounds for. Sounds
(15:49):
like it's it is. There's an effective use and effectiveness
of it is a use for it. It's a place
for it. But that's not where I want you right now. Right,
that's dodging bullets. Right, that's try that's trying to get by. Right.
I want you to get up. Can I get an amen?
I want you to fight with it from the shoulders down.
I want you to fight from the neck up. Now,
I want you to make smart sexy again. We've been
(16:11):
making dumb sexy for way too long. We've dumbed down
and celebrated it. It's time to make smart sexy again.
So I want you to create a new set of tools. Right.
Because the surviving mindset is for poor people. There's a
difference between being broken being poor being broken as economic
being poor as a disabling frame of mind, a depressed
condition of our spirit. And we must vow never ever
(16:32):
ever to be poor again. Can I get an amen? Right? So,
I don't want you to. You can be broke, but
you can't be poor because if you poor, then hurt people,
hurt people, and somebody's gonna pray on you because you
don't like yourself. You don't love yourself, you don't understand
your own value. Right, so somebody's gonna pimp you, take
advantage of you. Look at that, that that five hundred
credit cored neighborhood. It's a check casher next to a
(16:53):
patay loan lender, next to a rental own store, next
to a title lender, next to a liquor store, next
to a pawn shop. Right, So I want you to,
I want you to, I want you to to free mind,
Free mind. DODR. Dorothy Hyde once told me Civil rights
icon said, John, I like you because you're a dreamer
with a shovel in your hands. I want you to
be a dreamer with a shovel in your hands. Get that.
(17:13):
I want you to get out of this surviving, depressed mindset,
this deficiency mindset where you see yourself as a victim
and victimized. That doesn't mean somebody's not victimizing you. Racism
is like rain. It's either falling someplace or it's gathering.
So you might go get out of an umbrella and
a color you like and start strolling through it. Because
it's not going to change. So you must equip yourself
(17:35):
with the tools to go from surviving to thriving. That's
middle class success, but that's still somebody writing. You're writing,
you're cashing a check. Still cool, right to building, right
builders or winners. Winners, that's entrepreneurs or small business owners.
Those are folks who write the checks, don't just cash it.
I don't care whether you're thriving or or or winning building,
(17:57):
but I want you out of the surviving mindset. Okay,
So here's the street skills that needs to go to
business skills. You follow me so far. You got your
pen out or your iPhone or your Android or whatever
your iPad you're taking notes on. Are your AI device
that's taking your notes for you? I want you to
write this stuff down, not if you're driving. Okay, go
(18:19):
back and listen to it again, or listen or get
a group of your girls together and re listening to
this again, or group of your guys a barber shop,
relsten to this again. Take notes. I'm laying out a
blueprint for you. By the way, you can go online
to dream Forward, right, because I'm creating economic plumbing for
us and everybody else. But in this case, I'm talking
to us, and I've created a business plan and this too. Example,
(18:41):
I get a bunch of tools for you, right, financial coaching,
financial advice, business plan development, small business development one MBB,
one me, and Black Business Initiative, et cetera, Shopify online,
business tools, scholarships that are between one thousand dollars and
twenty five thousand dollars a program, scholarships that get you
into the gain of lifting yourself up. All right, but
(19:04):
this is tool. Go to dream Forward, type in my
name in the internet dream Forward John O'Brien or dream
Forward Operation Hope, and download the business plan for Black America. Okay, well,
this is not just for black people. He's a business plan.
By the way, there's a business plan for I'm saying
black people because it's a Black Business month. But there's
a business plan for women. There's a business plan for
(19:25):
rural America. That's, by the way, poor whites and poor
blacks in rural America. The Business Plan for Latinos, a
business Plan for Asians, Business Plan for Native American Indians.
Go to dream Forward download the plan that applies to you. Okay,
I need you now to change your mindset, and I
want you to now go from street skills to business
skills and hustle right equals sales and marketing. So if
(19:52):
you're a hustler or you know anybody who've got these skills,
I want you to them to think now that they're
going to translate these hustle skills right into sales and marketing.
I want you to translate the supply chain skill selling
drugs or whatever it is that might be less than
legal right into a discussion around logistics, because that's really
(20:16):
what you're good at. Supply chain equals logistics. Street rep
street reputation, right, which seems to be so important to
so many people. That's brand management, right, that's marketing and
brand management. And I don't want you to be a
three square Blocks celebrity. I want you to own the
(20:36):
city as a brand. I want you to be the
best number one whatever in that brand, number one plumbing company,
number one. Don't hate on plumbing companies. They make a
lot of money, by the way, millions of dollars a year.
You have a couple of locations, the number one electricians
company or number one I don't care what it is, dentist.
I want you to be a number one in your city, right,
(20:57):
I want you to own your area, own city. People
think about barbershop or plumbing or whatever it is, they
think about you. Right. So, brand management, so it's not
just doing a great work, but marketing it, developing it,
running a good business, great customer service. Okay, So if
you've got great street, straight street cred, you might be
able to turn that into a business, even as a
(21:18):
consultant for brand management. Uh. Even running a crew in
the hood, a crew in the neighborhood, a crew and
a crew in prison, okay, a crew in the penitentiary. Right. Uh,
that's people management, that's hr human resources. Okay, these are
smart people. So business ideas that I want you to highlight.
(21:40):
I'm gonna give you a number of them to focus on.
But here's a couple easy ones. These are ones that
I did coming up. Mobile car wash and detailing. Don't
don't hate on this business. It does well right, and
it's it's it's easy to get into. Start with buckets
and soap, right scale into a fleet track with a
(22:01):
car company that the cars have to be clean. Think
about whose cars have to be cleaned? Now getting this,
you might be coming from the hood, you might be
coming from the penitentiary. Can you think about starting a
car detailing a mobile car detailing detailing business that has
a contract with the local police department. Now wouldn't that
be full circle? A contract with the fire department, a
(22:22):
contract with city. Think about all the cars you see
in the city. They're always spotless. They're not fancy. Maybe
they're spotless though those are all city vehicles, county vehicles.
They've got a contract with somebody. Why can't it be
with you, particularly if you're in that local home town, right,
And what a great success story to go from prison
(22:42):
to prosperity that they can tell if that happens to
be your story or wherever it is, poverty to prosperity. Uh,
you know, tow U from the flow up to the
prosperity where you know I was so poor going up
I coutting forward to O R which is a po
po right, But whatever it is, it is your It
is your rape, it is your rainbow after storm story,
and other to want to participate in it. Think about again,
(23:02):
carry car service or whatever car service is in your town,
black car service. Think about people have ubers. They probably
watch their cars themselves. But if you have three five,
you have a fleet of cars. Somebody's a fleet of cars.
They might give you a contract cleaning services homes and offices. Right,
this requires discipline, reliability, and that equals steady work. And
(23:24):
it also could include contract. You have an annual contract.
Make what remember I told you make money during the day.
You build wealth in your sleep. Right, it's compounding. So
if you have a contract A to clean an office building,
contract B to clean three small businesses, contracts C to
clean five schools. These contracts renew quarterly, hopefully annually, and
(23:44):
hopefully some of the remote year. Those contracts stack and
then you're now building wealth. And we'll get into on
another podcast when you combine those contracts, how you can
sell the company for more than the income that you
are making, because now now you've built an asset base,
which are these stream of cash flows, These contracts which
(24:06):
someone else can benefit from when they acquire if they
acquire your business. And the whole point of this business
is when you build them, is to sell them, to
monetize them. But getting ahead of myself here, don't get
emotional about businesses. Start building credit and writing down your
business plan, even behind bars, and in fact, I say
particularly behind bars. You have a lot of time in
your hands. Get smart. That's how you get even all right,
(24:31):
Section two, Segment two the hustle. Right, I want you
to turn what you know into legal money. What you
wance flipped on the block, you can flip online. So
I want you to go to one million Black business
INSIE one MBB. We've created, supported, nurtured, advanced, and partnership
with Shopify. This is my philanthropy Operation Hope partner. We
(24:51):
have one hundred and ninety million dollar commitment over ten
years from Shopify to help us to create a million
Black businesses in America. We nurture, support it, advanced start
how to help to start over four hundred and fifty
thousand Black businesses in America. Hello, Since two thousand and twenty,
since George Floyd's murder, Rainbow's after storm, This isn't a
(25:12):
program that can be helpful to you, or our small
business training program, or our whole business a box programer,
our Hope coaching, Hope Inside coaching program. Right. But what
you once flipped on the block, you can now flip online.
Even some prisons, some some places of incarceration have programs
to allow you to to do things like a business online.
(25:33):
You should check it out AI as a new plug. Right. So,
you've got Canva Chat GPT, which is my favorite because
I've partnered with my friend Sam Autman on the we
coach here, the AI Ethics Council. Check that out, Shopify
quick books right, artific All these use artificial intelligence, and
that plus e commerce is a game changer for you
(25:58):
right in the internet. You don't need brick and mortar
right now. You can do this online from wherever you are.
Here's some business ideas for you to think about digital
reselling sneakers, streetwear, electronics, same hustle, different marketplace. Right, You're
(26:19):
not selling it on the streets, You're selling it into
the suites, which are about eBay, Poshmark, stock X. Research
all these companies, right, don't just research them as a
place for you to sell through, research them as a
place to invest in. You can buy stock from many
of these companies, and if they're doing so well, you
want to participate in that. Even if you buy through
(26:40):
fractional investing, you buy twenty five dollars worth of stock, right,
you don't to buy a whole share or multiple shares.
So now you're getting you're stacking money both ways, making
money and building wealth. You're making money on their platform,
and you're building wealth because as they succeed, you succeed.
Billionaires are succeeding somewhere because they own or build a
grow some company. It's probably not a bad bet to
(27:01):
think about investing right alongside them, meeting the people who
started these businesses like the ones I just mentioned, eBay, Poshmark,
stock ex. You know, go on and on and on, Walmart, Amazon,
swe and so forth, Shopify, Okay, food Hustle, right, meal prep, catering,
(27:21):
food carts, food trucks right from the block cookout to
the neighborhood catering. And my friend Tim Burt, who was
on my podcast recently, has a food truck and it's
part time. He uses it whenever there's a contract, an opportunity, whatever,
a community events. How he gets back to the community.
By the way, he loves to cook, so he just
shows up with, you know, his Timber Enterprises food truck,
(27:46):
which sits parked and doesn't cost him any things. He
paid for it until you want to use it. So
when he uses it, it turns into cash flow or
charitable contribution in that nice cash flow through profitability through
the business or charitable contribution by giving back. He wins
both ways, and it's got timbered his name on the
side of it, whatever his business is, so it's also
advertising him why it's driving down the street. Number five
(28:07):
AI Assistant Creative Hustles, right, logos, flyers, social content right
use AI to become the designer every small business need.
So these business small businesses are so busy running their
small business right, they don't have time to be doing
all these detail work. So they need to hire people
like well you to create some of the marketing tools
(28:31):
that they need, maybe to do the marketing that they need.
I used to do this too, by the way, I
used to pick to pay one thousand dollars a month
to be the marketing consultant for it doesn't exist anymore,
but Foster Shoe Company. It's a Persian family that I
love them. That so thank them for giving me a
contract when I was in my late teens on Pigo
Boulevard in West Los Angeles. They don't exist anymore, but
(28:54):
so so thankful for them and many others who gave
me small marketing contracts when I didn't have a real business.
I started as a marketing consultant back in the day.
Start with what you know, then apply to discipline you're
already used in the streets, tracking numbers, building loyalty, UH
and reinvesting profits. Right all right? Segment three the strategy
(29:16):
A right. The difference between a hustler, a hustler and
a business owner. Please listen now, it's paperwork. Hello, drop
the mic. The difference between a hustler and a business owner.
It's paperwork, proper paperwork. I told you that I make
(29:37):
boring sexy. That's a bishop TDJS quote Chairman td tdjkes.
By the way, he's now, he's now doing stuff in
the community and in business. I applaud under that he's bilingual.
He's helped your soul. Now he's trying to help you
pockets because it's good Soil Initiative, where I served on
the boarder. By the way, I just spoke there, so, uh,
this is so important. You can create an LLC, right,
(29:57):
a limited liability corporation that equals legitimate. See right, we
do that from wherever you are, even behind board bars
in many cases. Right, I want you to build credit
that's a new currency, right and reinvestment equal scale. Okay,
once again, l l C equals legitimacy. Credit equals new
currency because not it's digital, right, but it's credit is
(30:18):
the latter word credito, which means credibility. By the way,
it's nothing to do with money. Reinvest reinvestment equal scale.
So here's some business ideas to highlight again going back
to some practical stuff PhD and PhD too, landscaping and
lawn care by use more and tremor scaling into an
HOA or city contract HOA is are these homeowners associations
(30:42):
that are literally everywhere, Right, I hired Uh Jamel Thomas
got rested, so he's recently passed away. But I hired
his business because I met him through I believe I
met him through our HOA where I used to have
where I was used to listen where that had h
a behind gates with multiple business, multile, multiple families. Now
(31:04):
we we live in our own place, our own h
o A. But uh, he grew as I grew, he
grew and and then he started doing the bashad Young's
house and so on and so forth. And he started
he started getting see contracts, he started with himself. That's
in lawnmower. Then two guys. The last time I checked,
God rest his soul. He just passed on and really
passed on that business to his family. By the way,
(31:25):
I think his sister trying to raise prices on me,
by the way, really smarter of her. But I'm not.
I'm not feeling it. But that's her. That's her, that's
that's her job is to try to be as profitable
as she can. But but that you're growing that small business,
that that single that single that that really sole preneur, right,
that's sole source entrepreneur. You're doing it yourself to two
(31:46):
long more six eight ten, and then trying to get contracts. Again,
this is the lifeblood of a business. It's cash flow,
contracts currency. Uh, and then that creates your real value.
When you have you got three h o A five
O h A h A Contracts Home Owers Association. Now
you can go to the city and maybe get to
go to a small city and then show hey, I
(32:06):
got eight or ten of these local contracts in Hua's
I'd like to get a contract with the city of
wherever small sits are with a small city. And now
that gives you credibility. Now you go to go to
two cities, to three cities. Now now you've got eight contracts,
ten contracts. You have a real business with cash flow
and value that you can sell later on. Particularly these
contracts are renewable pressure washing and outdoor clean cleaning cleaning. Uh,
(32:32):
this is four hundred dollars to eat in dollars for equipment. Right,
expand the storefronts and repeat contracts. Right pressure washing and
outdoor cleaning. If I mean, I can I know the
windows in my house need cleaning. If somebody showed up
and with a flyer and said we do pressure washing,
window cleaning, we hire them. Think about just just go
down your street, go down the middle class street of
(32:52):
your street's poll me. Folks may not be looking for
I mean looking for bullet proofvests, not window cleaning. But
but I could say that because I grew up in
the hood can offended. But go to middle class off
a middle class neighborhood and offer these these services. And
don't go there with your had on backwards looking like
a thug. By the way, that will not work. Go there,
look clean, smooth, right, you can be. You can be.
You can be classy and smooth, cool and smooth and
(33:14):
legit looking. You got to look like the person who
wants to be hired not arrested. Uh, delivery and air
and services. Use your car, bike, you know, airplane whatever,
right to deliver for apps, then flipping into your own
courrier company. Right, so if you have a car, you
begin we know these services, but you can create your
(33:36):
own services. By the way, Uber eats and lifting. All
that stuff properly came from black folks in the South
through in the fifties when they did black car services
because they couldn't give them. You can send in the
front of the bus. So they said, well, doctor King,
and Andrew Young, my mentor said, we're not didn't send
on any bus then when I sent in the back
that so they in order to squeeze the business the
bus company, they created a black taxis literally black taxis
(33:59):
black people car services from a people's cars and just
shovel people around. By the way, rent parties, it's another
good cool business. Yes, rent parties. Have somebody hold a party.
They need rent. They hold a party and everybody shows
up with ten bucks or twenty five bucks or whatever
the entry fee is, and they pay their rent. Make
sure they pay their rent. And then and then the
(34:20):
next month somebody else has a rent party. They need
to pay rent. Right, and so have fun, but have
purpose at the same time. He had just created another
business for You can create a rent party inc. Rent
party LLC business in your neighborhood. Pay your taxes on
all these businesses, by the way, get your taxes return.
Do this proper right Again, paperwork is differ between a
hustler and a legitimate business. Delivery and air and services right,
(34:52):
use your your bike in car to not just do
Uber eats or whatever. Right, think about think about companies
that that small businesses that need proper delivery of legal documents. Right.
If you can get bonded, you can do this at
the highest level. But just keep elevating this dream. Right.
And by the way, if you if you have a
(35:13):
car service, maybe you can go to successful car service
and get a subcontract from them. Because they have overrun
businesses or events and they need somebody else to boat
onto them. You just, you know that could you could
be the boat on expert without having to start have
any startup business expense. You just leach lash onto somebody
else who's got got customers coming in. You just help
them fulfill them. Okay, we're gonna get through this section
(35:36):
Segment four, the legacy right from cash flow to legacy flow.
Right ownership is a new hustle. It's the new coop
Wills life insurance, estate planning. Right. Teach kids the games
so they don't start from zero. Here's some business ideas
to highlight right for you right in your brain. Personal
(35:57):
fitness training, street boot camps right lead workouts and parks,
record online content and expand from there. Right. I just
saw a street boot camp in Atlanta. It was like
sixty people out there and they just got permission to
use a little green space next to a business in
(36:17):
a very cool area, and I was very impressed. Barbering,
hair braiding, and grooming. This is a huge business opportunity.
I did a podcast just on the black haircare business.
So go and listen to that podcast from season one.
This is season two five hundred dollars for equipment. Start
(36:37):
at home, scale into a shop and you can do
get your Shopify account, by the way, and do an
e commerce business and boat onto your hair shop at home.
Nobody needs to notes at home and you could sell
you wave caps and grease and oil and brushes and whatever.
(36:59):
In addition to people coming in scheduling app the schedule
appointments with you and putting the credit card in so
they will show up. There's a cancelation fee, but they'll
do their online the tennis shop anyway, and they'll order stuff.
And now you're making money in your sleep. Right, So
I want you to be high tech and high touch. Right. Look,
this is the four pillars right, foundation, hustle strategy, strategy,
(37:22):
and legacy. Right foundation, hustle strategy and legacy. Right. So
what if I told you there's like ten businesses you
can start for under one thousand dollars, right, just pick one,
just one and take it and take one step you
know a week, right, maybe one step this week? Right.
(37:44):
And I want to now encourage you to to think
about these ten businesses that I've outlined here, because none
of them are very sophisticated very complicated, right, and I'm
gonna do ten more businesses and I follow up podcasts
(38:05):
I'm gonna do. I'm I'm actually doing a podcast on
how to start a business. This is not not hustle,
just business, right for everybody. This one is for This
is a This is like a from the ground up,
like wherever you happen to be, here's how you start. Right.
People think that if they don't have college degrees, they
don't have pedigrees, right, you can't succeed. That's just not true.
(38:26):
Anybody can start a LinkedIn page. Anybody can start start
an Instagram, Instagram page, or something other than shaking your
rear end, other than taking your clothes off. My god,
you wanna take your clothes off? At least get paid
for it. No, I don't. I didn't really, I didn't
really say that, And I said it, but I didn't
mean it. I was just being I'm joking. But people will,
unfortunately think I'm serious. If do something's dignified, do something
(38:47):
that is dignity rich, do something. You got all these
tools that you're handing this your phone is your phone's
a smartphone. Don't use it for dumb purposes, right, it's
a smartphone, it's a little computer in your hand. You've
got the Internet, you've got an artificial intelligence. You've got
all these tools all around you. Use all of them.
Put them together in a business plan. Go to Operation Hope,
get your financial coaching and counseling. Get your credit score
(39:08):
up to seven hundred. The bank will tell you yes
for a loan if you think you need credit. So
you need capital. Right, you don't have to go begging
the people. You don't have to, you know, go do
it a go fund me campaign. Maybe right, Maybe you don't.
I don't you know. I'm not telling you what not
to do. I'm saying if you need twenty five look,
if you need five hundred, one thousand dollars, you may
(39:29):
go to Operation Hope and go to one of our
small business training programs. Find out. You know, you don't
need any money. Go to your local Chamber of Commerce,
by the way, and there's resources there. Go online to
your Chamber Commerce, there's resources there. Going line to the
Small Business Administration, there's resources there. Go online to Operation Hope,
the National Urban League, there's resources there. I believe even
the NAACP has a small business page like there's no
(39:51):
excuse search for small business training programs in your neighborhood
and your community. You can come to us and we're
gonna help you. Get your credit score up fifty four
points in six months, get your debt down thirty eight
hundred dollars in six to eight months, get your savings
up twelve hundred dollars For somebody making forty eight to
fifty thousand dollars a year. This will change your life.
Now you're credit worthy, and now you go to the
computer at midnight and ask for a thousand dollars loan.
(40:13):
Ten thousand dollars loan with a thousand loan is a
credit card? Okay, ten thousand dollars loan, that's probably still
a credit card. By the way, capital is both equity
and debt, right, just so you know, equity and debt
is both a form of capital. Just to make that clear.
You want to get a twenty five thousand dollars loan.
That might be a home equity line of credit, it
might be a personal line of credit. Right. You want
(40:33):
to get a fifty thousand dollars line of credit, one
hundred thousand dollars loan. This for a to buy a
house right, anything under one hundred thousand dollars, certainly, fifty
thousand dollars or less, certainly twenty five thousand dollars or less,
without question, ten thousan dollars or less. You can get
that online. Okay, go to If you have seven hundred
credit score and you go to the computer at midnight.
You have a job, you have income, right, you've got
(40:55):
a seven hundred credit score right, and you have your
debt to income ratios in line. Being able to access
a ten thousand dollars line of credit to start your
business or less. It's actually well within your reach because
the computer's not gonna say you're black, or you're brown,
or your woman. It's gonna tell you're green, as in
credit worthy. Because guess what, the bank just wants their
(41:16):
money back plus interest. It's not personal. Oh, the bank's racist. No,
the bank is greedy. Bank wants their money back, right,
just like I want my money back, just like you
want your money back. So if you look toe up
from the flow up, if you so poor you can't
pay attention. If you so broke, you can't pay attention.
If you so poor, you don't have the oar and
the end you just poll then yeah, they probably don't
want to. That's your perception of that's the perception they
(41:37):
have of you. They're probably gonna lend you. But if
you clean yourself up in the way in which I'm
talking about you, get your paperwork right again. Difference between
a hustler and a business person, a proper business person
is paperwork all right, get your credits, get all this
stuff right right now, you're proper right, and the operation
can tell you when you're ready to go to get
an application. We want we want you to get a
(41:57):
yes right because we're helping banks get out of the
no business and back into the yes business. At scale,
we've done four point five billion dollars of investing this
way through Operation Hope, and it's free to you. We're
gonna give you a scholarship for coaching and counseling of
one thousand dollars to start with. It will cost you
nothing to get your credit card corrected. Do not go
pay some of these these raggedy companies that are charging
you money and to file bankruptcy, to charge you money
(42:20):
to fix your credit stop it, knock it off. Will
do that as an investment in you. I raised fifty
million dollars, almost seventy five million dollars a year every year,
so that you get this for free, I do that
me and I'm telling you go see my people download
the hope and app hamit Hopen a hand app and
tell them I sent you, and see if they keep
the word that I gave you the promise. So if
(42:41):
you get what I'm doing on saying what I'm saying
right now, you're going to be an access capital certainly
ten thousand dollars or less without questioning. Most of the
ideas I've given you you can do for five hundred
one thousand dollars I've given you today. Right, So get
your credit right, get your life right, get your get
your parties right, get a business plan written right. And
(43:01):
because you're just between business and busyness, all right, And
you can be a professional services provider, you can be
great at hustle and all that stuff. But unless you
do the things that I've been talking about in this podcast,
you're not a proper business person and you cannot scale
something based on your mouth, your idea and you get
for gab and your smoothness, that is not enough. That's
(43:23):
enough for you to have a self employment project essentially,
and I don't mind that either. Just to take care
of yourself. If you want to scale a business with
employees and with assets and with infrastructure, hopefully at some
point with cash flow and contracts in real estate. We
got to get you out of the We got to
get you out of the doldrums of doing stuff the
wrong way and do it the right way. And that's
what I'm trying to help you do today. All right,
(43:45):
This has been my ministry of finance has been a
financial literacy rap. I hope this has been helpful to you.
This is from Hustle to Holdings, turning street smarts and
the generational wealth. And wherever you are, you're listening in
this from the penitentiary, from the local UH jail cell.
You listen to this, from from the street corner. You
listen to this from from the from the from the
(44:06):
gang meeting. You listen to this while you're sending in
your car. You listen to this. Why you're, Why you're
you're depressed? And one man. Whether anybody believes in you,
I believe in you. I do because I am you
and I always want you. And I'm now statistically zero
point zero one percent of all income and wealth. Income
(44:27):
separate and wealth separate. Those are two different things in
the whole country and the biggest economy in the world.
I did that legally and legitimately, and you can do
it too, all Right, I'm out, John O'Brien. This is
Money and Wealth Black Effect Network. Go change your life.
I'm with you. Money and Wealth with John O'Brien is
(44:56):
a production of the Black Effect Podcast Network. For more
pot cast from the Black Defect Podcast Network, visit the
iHeartRadio app, Apple Podcasts, or wherever you listen to your
favorite shows. P
Welcome the Money and Wealth with John O'Briant, a production
of the Black Effect Podcast Network and iHeartRadio. Hey, Hey, Hey,
it's John O'Briant, and this is the Money in Wealth
podcast series. I'm broadcasting podcasting live to you from halfway
(00:27):
around the world and Malai wai. But I'm still thinking
about you. I'm still thinking about how to change your life.
And I could not pass up this opportunity to ignite
a fire because this is a Black Business Month at
(00:53):
a time where black businesses probably feel and black people
probably feel incredibly challenged. And I may be halfway around
the world, but my heart is right there with you,
and so is iHeartRadio, and so is Charlemagne that God,
and so is Black Effect Network. And so we've come
(01:14):
together to create some tips for you this month. Please
download them check them out there. One minute hits really
trying to help you to create a rainbow out of
the storm. To the government has basically said you're on
your own. And the good news about that is, well,
(01:37):
your mindset should be your on your own, and so
now you have little choice but to frame that vision
for yourself. So let us help you help yourself to
become self reliant, which everybody wants, but most notably it
should be you. So this is not anything other than
straight laced advice about how you take control of your
(02:02):
life wherever you happen to be. I'm going to break
down in the next few weeks in August, but also
woman that is going to bleed into September from a
serious perspective. I'm gonna get into how to start a business.
I'm going to make it really basic, how to buy
a home, and this episode from hustling to holdings, turning
(02:26):
street smarts into generational wealth. Tell all your friends to
check this out. I'm gonna meet you where you are.
To quote my friend Tim Burt, who's a recent guest
on my podcast, We're gonna put this where the goats
can get it. That's an old Southern tale, Southern saying
that says basically, wherever you are in life, you'll be
(02:48):
to relate to this and pick it up and use
it because I used to be there, Because I always
want you. So this episode here, I want you to
tell all your cousins, your friends, this is for the
least of these God's children. That was me, by the way.
This is for those who have too much month at
the end of their money. This is for those who
(03:10):
have been doing so much with so little for so long.
They now know they can almost do anything with nothing.
This is for those who have had to take no
for vitamins their entire life. This is for those who
may have done some time in prison in the penitentiary.
This is for those who may have done made some
(03:30):
mistakes along the way. Maybe it was in prison or
that other thing of crime. But maybe you cut some corners,
maybe you did some things you weren't so proud of.
But now you want to legitimize all that talent that
God gave you. I'm gonna help you out. I'm gonna
meet you where you are. I have said publicly, I've
said here a drug dealer is legal and unethical as
(03:51):
a business. It's not a legitimate business, and it won't sustain.
There are no retired drug dealers. But what a drug
dealer is not is dumb. A successful drug dealer. I
know that's an oxymoron. But a successful drug dealer understands import, export, finance, marketing, wholesale, retail,
(04:13):
customer service, security, territory, and logistics. They understand customer service.
They understand global markets. These are not dumb people. These
are very very smart people who just were planted in
the wrong soil. As I've said, if you hang around
nine bro people, you'll probably be the tenth. So they did.
(04:37):
They were born in the wrong zip code, They didn't
know the right affluent friends, whatever, did not have the hookup. Right.
They ended up in this situation, right, because a lot
of people ended up in a situation who've legitimized themselves
and becoming vastly successful, right, a lot of them you
know from the rap game. Right. But I'm gonna I
want to make this personal and then I'm gonna get
(04:58):
into the details of the how and this these these
these examples, I'm gonna give you any suggestions. Applies to everybody.
You have a college degree, this applies to you. You
can be too smart for your own good. Yes, I
said it. Being smart and being intelligent, having college degrees
and all this stuff is beautiful, but it's not enough.
I know a lot, as Ambachlor young Ones told me,
(05:21):
I we he knows a lot of educated fools. So
PhDs are good, PhDs are even better. You want to
do to have both, right, and you got to hustle
you got to execute, you got to a customer. An
idea without a customer next to it. So it says
my friend Jim Clifton of Gallop, is is just a dream.
(05:42):
It's not. It's just an idea, all right, a dream,
an idea with a customer without a customer next to it.
It's just an idea. It's a dream. It's a fantasy, right,
It's not a business. And the good thing about this
category of folks I'm talking about it is that they
really have figured out the most important part, which is
the execute. They figured out how to to move on
(06:03):
their dreams. They just had the wrong dreams. So make
this very personal. I was growing up in comflin California,
and with my mother and I had decided I wanted
to start a business and I it was a I know,
I remember, it was a Pela and a less, a
sports way sportswear business. And before that, well, in order
(06:27):
to get some inventory, I need some money, and so
I borrowed some money from this neighborhood lender, gangster Okay
and brother and I went. I was buying this inventory
U Feeland less a sportswear from Mexico. I'd gone over
the the the border in the southern from southern California.
(06:50):
I don't know where I was living in Contort, South
Centrare at this time. Anyway, I've gone over. I'd gone
over the border in Mexico border bought legitimate feeland or
less a sportswear because I really lies the people who
are getting locked up so are getting sued, and some
of them getting locked up were selling knockoff goods, you know,
fraudulent goods. So they're being sued to death and they're
(07:11):
being locked up that I wasn't feeling that. I'm not
going to jail, prison, jail, none of it right, and
I don't want to be sued. So I figured out
that there were I did some research, this is before
the internet, did some research and found out there was
a legitimate license for a lesse sportswear and Fila fi La.
You didn't know that it was huge brands back in
the day. There was Fela Talia right Phila Brasilia, Brazil,
(07:35):
and Phila Mexico, Mexico. Well, I was right next to Mexico.
So I went over the border and went and found
a legitimate Phila Mexico, Mexico store bought some of their
goods for a fraction of the price retail. Brought them
over because the license in Mexico was a different price point,
at least back then. Again, there was no internet back then,
so you couldn't price check. I was in my teens,
(08:00):
so brought him over in my car, sold him at
a markup still below what the retail was for feeling
a LSA in the United States. And it was in
my early twenties, late late teens, early twenties. I was
doing this business. And the short version of this particular
story is I'm gonna get back to the lender, but
(08:22):
the story is instructive. Also, I opened up a storefront,
this time in Beverly Hills on Pico Boulevard. And I
want to thank Kip Morrison, who I met through a
wealthy man named Harvey Baskin. I used to work for
who was the first billionaire but Maddy. He was worth
two hundred million back then, but the same thing, and
(08:42):
I was his assistant. I would have paid him to
work for him because I got I learned so much.
He introduced me to a number of people, including Kip Morrison.
Kip Morrison on the Public Relations Agency she had an office,
a small office, and I had a choice. I'm bouncing
around the stories, but this is when I ended up
being a homeless because I didn't I had five hundred
(09:03):
dollars a month, but I couldn't afford an apartment in
an office. So I decided to rent the office because
that might make me some money, and I would just
live in my jeep. I couldn't have it. There was
a choice lifestyle and flossing or financing and framing a future.
So that's I ended up homeless. Was I lived in
my jee because I couldn't afford only five dollars a month,
(09:23):
and I couldn't afford to do both. Anyway, Fela ended
up showing up to my office. Getting off track here,
but I think this is important. They showed up in
my office to expect because they heard I was selling
these goods. I had a full showroom, and they took
some products, Boston products, and said can we leave with this? Yeah? Sure,
paid for them, and they came back here a few
weeks later, not a couple of days later. They thought
(09:44):
they were going to bust me for illegal goods. They
came back to me a few weeks later and they
hit me with a with a lawyer letter then the
biggest law froom in the world, and essentially blah blah blah.
It sued me for unfair competition. So I went to
my newly minted lawyer, who didn't have a lawyer back then.
I hired a lawyer. What does this mean? They laughed.
The lawyer laughed and like, look, John, you're just smart,
(10:05):
like you've outwitted them. Like they didn't know what you
were doing. They thought it was legitimate, illegitimate, so they
suit you for an unfair competition because they didn't know
what else to do. Essentially going to put stick one
hundred attorneys on you, biggest law firm in the world
and going to just run you dry, run you into
the ground because they know they're big and they know
you're small, and you've outwitted them. What do they want
you to do is sign over this document saying you'll
(10:26):
never do this again, give them the rest of your inventory.
And I'm like, I'm not doing that. I've got my honor. No,
you don't want to be broke. You won, John, the
attorneys like you won. You out smarted one of the
biggest brands at that time. In the world and one
of the biggest law firms in the world. Just sign
the stupid document and move on. Otherwise they'll just kill
you in court with court fees, and unlike now, I
(10:49):
didn't have the resources I have now to fight a
good fight. So I signed it even though I was
doing nothing illegal, and moved on and did consider it
a huge success. That gave me enormous confidence. I had
gone up against one of the biggest brand's, biggest law
firms in the world and had won effectively. Okay, let
me back up in this story, because before all of that,
(11:10):
I was still back in the hood south central en Compton,
and this was back when I was selling it out
of my car and the neighborhood at financier Pooky and them, right, brother,
I remember him. I tried to pay him back after
I'd sold some goods and he was like, what are
you talking about. I'm your partner. Excuse me, No, No,
I just brought some money from you. And but by
(11:31):
the way, what's the interest? He's like, you notice I
didn't tell you what the repayment was, right, you know,
you don't pay a guy like me back. I'm your
partner for life, and he looked at me, He's like,
you know, you're not used to this game, like this
is not your deal. You know you're you're a good guy.
I can tell pay me my money back, give me
whatever he said his interest was, and never come here again.
(11:51):
I don't want to see you ever again. If I do,
you're got to be in trouble. And he saved my life.
These are a lot of people like this who who
I don't remember their names. But this guy who was
a neighborhood hudlum, neighborhood financier, right Nick, well, he it
was gangster. Let's just say it. Call it what it was.
But on this case occasion, he was a saint, and
(12:13):
a saint as a center that got up to quote
my father in law, doctor Dalton, we're all angels with
dirty faces faces. So that guy, because he would not
he did not decide to exercise his contract option in
his mind, which was I was going to be owned
by him for the rest of my life, will never
be to get myself out of that deal. He saw
(12:35):
talented me, and he saw authenticity in me and said
you need to go. You just need to get out
of here. You don't belong in the neighbor. I know
how he got into compt in South Central, right, right,
and I thank him for that, right And and so
I'm saying to you that this is a virtual hood
we're talking about. Like you know, you're not locked into
a situation, right, you can do and go wherever you want,
(12:56):
pakicularly now with the Internet and artificial intelligence, even if
you're in prisoned, you're free because your mind is able
to roam the world. Okay, So from hustle to holdings,
turning street smarts into generational wealth. Right, So this is
Black Business Month. I want to thank, by the way,
(13:17):
iHeart Radio and Black Effect Network for saluting black businesses
this month and for featuring my Money and Wealth podcasts.
You'll be searing and seeing these one minute outtakes, download them,
share them, and thank Black Effect Network and iHeart for
doing this. Please, there's nothing partisan about prosperity, right, This
(13:38):
is not political. This is just common sense. We want
everybody to see black businesses, white business you know businesses,
Asian Indian businesses. Right. This is just something happens to
be focused because it's a Black Effect Network on black businesses.
By the way, look up one MBB one million Black
Business Initiative for tools. This is this part of the toolbox.
I'm gonna pay out for you at Operation Hope, economic
plumbing work, creating for the nation for your uplift, and
(13:59):
everybody else is up lift and focusing on you at
the moment. So uh, economic empowerment isn't just about making money,
It's about making money work for you. This one for
(14:22):
everyone who's ever hustled, whether it was on the block
in the prison yard, are at two jobs just to survive?
That was my mother, by the way, wanting to smith.
The skills you have are real. The question is are
you ready to flip that hustle in the holdings? Again,
(14:43):
I've already described a drug dealer. They understand income and
you know income export and income, you know expense, wholesale
retail financing, you know network marketing. They understand all that
hr and then what's what's a what's a gang leader,
a frustrated union organizer? Okay, these are natural skills, just
(15:07):
improperly apply. So what would happen if you turn that
hustle into something legitimate? Here's a blueprint to go from
the street corner to the corner office. The first thing
I want you to do is we're just setting the
foundation here is. I want you to create a mind
(15:29):
shift from surviving to strategy, from survival to strategy. Right,
my book Up from Nothing I Believe, or the book
the Memo, I talk about the three mindsets, a surviving mindset,
a thriving mindset, and a winning mindset. Right, a surviving mindset,
it sounds it is exactly what it sounds for. Sounds
(15:49):
like it's it is. There's an effective use and effectiveness
of it is a use for it. It's a place
for it. But that's not where I want you right now. Right,
that's dodging bullets. Right, that's try that's trying to get by. Right.
I want you to get up. Can I get an amen?
I want you to fight with it from the shoulders down.
I want you to fight from the neck up. Now,
I want you to make smart sexy again. We've been
(16:11):
making dumb sexy for way too long. We've dumbed down
and celebrated it. It's time to make smart sexy again.
So I want you to create a new set of tools. Right.
Because the surviving mindset is for poor people. There's a
difference between being broken being poor being broken as economic
being poor as a disabling frame of mind, a depressed
condition of our spirit. And we must vow never ever
(16:32):
ever to be poor again. Can I get an amen? Right? So,
I don't want you to. You can be broke, but
you can't be poor because if you poor, then hurt people,
hurt people, and somebody's gonna pray on you because you
don't like yourself. You don't love yourself, you don't understand
your own value. Right, so somebody's gonna pimp you, take
advantage of you. Look at that, that that five hundred
credit cored neighborhood. It's a check casher next to a
(16:53):
patay loan lender, next to a rental own store, next
to a title lender, next to a liquor store, next
to a pawn shop. Right, So I want you to,
I want you to, I want you to to free mind,
Free mind. DODR. Dorothy Hyde once told me Civil rights
icon said, John, I like you because you're a dreamer
with a shovel in your hands. I want you to
be a dreamer with a shovel in your hands. Get that.
(17:13):
I want you to get out of this surviving, depressed mindset,
this deficiency mindset where you see yourself as a victim
and victimized. That doesn't mean somebody's not victimizing you. Racism
is like rain. It's either falling someplace or it's gathering.
So you might go get out of an umbrella and
a color you like and start strolling through it. Because
it's not going to change. So you must equip yourself
(17:35):
with the tools to go from surviving to thriving. That's
middle class success, but that's still somebody writing. You're writing,
you're cashing a check. Still cool, right to building, right
builders or winners. Winners, that's entrepreneurs or small business owners.
Those are folks who write the checks, don't just cash it.
I don't care whether you're thriving or or or winning building,
(17:57):
but I want you out of the surviving mindset. Okay,
So here's the street skills that needs to go to
business skills. You follow me so far. You got your
pen out or your iPhone or your Android or whatever
your iPad you're taking notes on. Are your AI device
that's taking your notes for you? I want you to
write this stuff down, not if you're driving. Okay, go
(18:19):
back and listen to it again, or listen or get
a group of your girls together and re listening to
this again, or group of your guys a barber shop,
relsten to this again. Take notes. I'm laying out a
blueprint for you. By the way, you can go online
to dream Forward, right, because I'm creating economic plumbing for
us and everybody else. But in this case, I'm talking
to us, and I've created a business plan and this too. Example,
(18:41):
I get a bunch of tools for you, right, financial coaching,
financial advice, business plan development, small business development one MBB,
one me, and Black Business Initiative, et cetera, Shopify online,
business tools, scholarships that are between one thousand dollars and
twenty five thousand dollars a program, scholarships that get you
into the gain of lifting yourself up. All right, but
(19:04):
this is tool. Go to dream Forward, type in my
name in the internet dream Forward John O'Brien or dream
Forward Operation Hope, and download the business plan for Black America. Okay, well,
this is not just for black people. He's a business plan.
By the way, there's a business plan for I'm saying
black people because it's a Black Business month. But there's
a business plan for women. There's a business plan for
(19:25):
rural America. That's, by the way, poor whites and poor
blacks in rural America. The Business Plan for Latinos, a
business Plan for Asians, Business Plan for Native American Indians.
Go to dream Forward download the plan that applies to you. Okay,
I need you now to change your mindset, and I
want you to now go from street skills to business
skills and hustle right equals sales and marketing. So if
(19:52):
you're a hustler or you know anybody who've got these skills,
I want you to them to think now that they're
going to translate these hustle skills right into sales and marketing.
I want you to translate the supply chain skill selling
drugs or whatever it is that might be less than
legal right into a discussion around logistics, because that's really
(20:16):
what you're good at. Supply chain equals logistics. Street rep
street reputation, right, which seems to be so important to
so many people. That's brand management, right, that's marketing and
brand management. And I don't want you to be a
three square Blocks celebrity. I want you to own the
(20:36):
city as a brand. I want you to be the
best number one whatever in that brand, number one plumbing company,
number one. Don't hate on plumbing companies. They make a
lot of money, by the way, millions of dollars a year.
You have a couple of locations, the number one electricians
company or number one I don't care what it is, dentist.
I want you to be a number one in your city, right,
(20:57):
I want you to own your area, own city. People
think about barbershop or plumbing or whatever it is, they
think about you. Right. So, brand management, so it's not
just doing a great work, but marketing it, developing it,
running a good business, great customer service. Okay, So if
you've got great street, straight street cred, you might be
able to turn that into a business, even as a
(21:18):
consultant for brand management. Uh. Even running a crew in
the hood, a crew in the neighborhood, a crew and
a crew in prison, okay, a crew in the penitentiary. Right. Uh,
that's people management, that's hr human resources. Okay, these are
smart people. So business ideas that I want you to highlight.
(21:40):
I'm gonna give you a number of them to focus on.
But here's a couple easy ones. These are ones that
I did coming up. Mobile car wash and detailing. Don't
don't hate on this business. It does well right, and
it's it's it's easy to get into. Start with buckets
and soap, right scale into a fleet track with a
(22:01):
car company that the cars have to be clean. Think
about whose cars have to be cleaned? Now getting this,
you might be coming from the hood, you might be
coming from the penitentiary. Can you think about starting a
car detailing a mobile car detailing detailing business that has
a contract with the local police department. Now wouldn't that
be full circle? A contract with the fire department, a
(22:22):
contract with city. Think about all the cars you see
in the city. They're always spotless. They're not fancy. Maybe
they're spotless though those are all city vehicles, county vehicles.
They've got a contract with somebody. Why can't it be
with you, particularly if you're in that local home town, right,
And what a great success story to go from prison
(22:42):
to prosperity that they can tell if that happens to
be your story or wherever it is, poverty to prosperity. Uh,
you know, tow U from the flow up to the
prosperity where you know I was so poor going up
I coutting forward to O R which is a po
po right, But whatever it is, it is your It
is your rape, it is your rainbow after storm story,
and other to want to participate in it. Think about again,
(23:02):
carry car service or whatever car service is in your town,
black car service. Think about people have ubers. They probably
watch their cars themselves. But if you have three five,
you have a fleet of cars. Somebody's a fleet of cars.
They might give you a contract cleaning services homes and offices. Right,
this requires discipline, reliability, and that equals steady work. And
(23:24):
it also could include contract. You have an annual contract.
Make what remember I told you make money during the day.
You build wealth in your sleep. Right, it's compounding. So
if you have a contract A to clean an office building,
contract B to clean three small businesses, contracts C to
clean five schools. These contracts renew quarterly, hopefully annually, and
(23:44):
hopefully some of the remote year. Those contracts stack and
then you're now building wealth. And we'll get into on
another podcast when you combine those contracts, how you can
sell the company for more than the income that you
are making, because now now you've built an asset base,
which are these stream of cash flows, These contracts which
(24:06):
someone else can benefit from when they acquire if they
acquire your business. And the whole point of this business
is when you build them, is to sell them, to
monetize them. But getting ahead of myself here, don't get
emotional about businesses. Start building credit and writing down your
business plan, even behind bars, and in fact, I say
particularly behind bars. You have a lot of time in
your hands. Get smart. That's how you get even all right,
(24:31):
Section two, Segment two the hustle. Right, I want you
to turn what you know into legal money. What you
wance flipped on the block, you can flip online. So
I want you to go to one million Black business
INSIE one MBB. We've created, supported, nurtured, advanced, and partnership
with Shopify. This is my philanthropy Operation Hope partner. We
(24:51):
have one hundred and ninety million dollar commitment over ten
years from Shopify to help us to create a million
Black businesses in America. We nurture, support it, advanced start
how to help to start over four hundred and fifty
thousand Black businesses in America. Hello, Since two thousand and twenty,
since George Floyd's murder, Rainbow's after storm, This isn't a
(25:12):
program that can be helpful to you, or our small
business training program, or our whole business a box programer,
our Hope coaching, Hope Inside coaching program. Right. But what
you once flipped on the block, you can now flip online.
Even some prisons, some some places of incarceration have programs
to allow you to to do things like a business online.
(25:33):
You should check it out AI as a new plug. Right. So,
you've got Canva Chat GPT, which is my favorite because
I've partnered with my friend Sam Autman on the we
coach here, the AI Ethics Council. Check that out, Shopify
quick books right, artific All these use artificial intelligence, and
that plus e commerce is a game changer for you
(25:58):
right in the internet. You don't need brick and mortar
right now. You can do this online from wherever you are.
Here's some business ideas for you to think about digital
reselling sneakers, streetwear, electronics, same hustle, different marketplace. Right, You're
(26:19):
not selling it on the streets, You're selling it into
the suites, which are about eBay, Poshmark, stock X. Research
all these companies, right, don't just research them as a
place for you to sell through, research them as a
place to invest in. You can buy stock from many
of these companies, and if they're doing so well, you
want to participate in that. Even if you buy through
(26:40):
fractional investing, you buy twenty five dollars worth of stock, right,
you don't to buy a whole share or multiple shares.
So now you're getting you're stacking money both ways, making
money and building wealth. You're making money on their platform,
and you're building wealth because as they succeed, you succeed.
Billionaires are succeeding somewhere because they own or build a
grow some company. It's probably not a bad bet to
(27:01):
think about investing right alongside them, meeting the people who
started these businesses like the ones I just mentioned, eBay, Poshmark,
stock ex. You know, go on and on and on, Walmart, Amazon,
swe and so forth, Shopify, Okay, food Hustle, right, meal prep, catering,
(27:21):
food carts, food trucks right from the block cookout to
the neighborhood catering. And my friend Tim Burt, who was
on my podcast recently, has a food truck and it's
part time. He uses it whenever there's a contract, an opportunity, whatever,
a community events. How he gets back to the community.
By the way, he loves to cook, so he just
shows up with, you know, his Timber Enterprises food truck,
(27:46):
which sits parked and doesn't cost him any things. He
paid for it until you want to use it. So
when he uses it, it turns into cash flow or
charitable contribution in that nice cash flow through profitability through
the business or charitable contribution by giving back. He wins
both ways, and it's got timbered his name on the
side of it, whatever his business is, so it's also
advertising him why it's driving down the street. Number five
(28:07):
AI Assistant Creative Hustles, right, logos, flyers, social content right
use AI to become the designer every small business need.
So these business small businesses are so busy running their
small business right, they don't have time to be doing
all these detail work. So they need to hire people
like well you to create some of the marketing tools
(28:31):
that they need, maybe to do the marketing that they need.
I used to do this too, by the way, I
used to pick to pay one thousand dollars a month
to be the marketing consultant for it doesn't exist anymore,
but Foster Shoe Company. It's a Persian family that I
love them. That so thank them for giving me a
contract when I was in my late teens on Pigo
Boulevard in West Los Angeles. They don't exist anymore, but
(28:54):
so so thankful for them and many others who gave
me small marketing contracts when I didn't have a real business.
I started as a marketing consultant back in the day.
Start with what you know, then apply to discipline you're
already used in the streets, tracking numbers, building loyalty, UH
and reinvesting profits. Right all right? Segment three the strategy
(29:16):
A right. The difference between a hustler, a hustler and
a business owner. Please listen now, it's paperwork. Hello, drop
the mic. The difference between a hustler and a business owner.
It's paperwork, proper paperwork. I told you that I make
(29:37):
boring sexy. That's a bishop TDJS quote Chairman td tdjkes.
By the way, he's now, he's now doing stuff in
the community and in business. I applaud under that he's bilingual.
He's helped your soul. Now he's trying to help you
pockets because it's good Soil Initiative, where I served on
the boarder. By the way, I just spoke there, so, uh,
this is so important. You can create an LLC, right,
(29:57):
a limited liability corporation that equals legitimate. See right, we
do that from wherever you are, even behind board bars
in many cases. Right, I want you to build credit
that's a new currency, right and reinvestment equal scale. Okay,
once again, l l C equals legitimacy. Credit equals new
currency because not it's digital, right, but it's credit is
(30:18):
the latter word credito, which means credibility. By the way,
it's nothing to do with money. Reinvest reinvestment equal scale.
So here's some business ideas to highlight again going back
to some practical stuff PhD and PhD too, landscaping and
lawn care by use more and tremor scaling into an
HOA or city contract HOA is are these homeowners associations
(30:42):
that are literally everywhere, Right, I hired Uh Jamel Thomas
got rested, so he's recently passed away. But I hired
his business because I met him through I believe I
met him through our HOA where I used to have
where I was used to listen where that had h
a behind gates with multiple business, multile, multiple families. Now
(31:04):
we we live in our own place, our own h
o A. But uh, he grew as I grew, he
grew and and then he started doing the bashad Young's
house and so on and so forth. And he started
he started getting see contracts, he started with himself. That's
in lawnmower. Then two guys. The last time I checked,
God rest his soul. He just passed on and really
passed on that business to his family. By the way,
(31:25):
I think his sister trying to raise prices on me,
by the way, really smarter of her. But I'm not.
I'm not feeling it. But that's her. That's her, that's
that's her job is to try to be as profitable
as she can. But but that you're growing that small business,
that that single that single that that really sole preneur, right,
that's sole source entrepreneur. You're doing it yourself to two
(31:46):
long more six eight ten, and then trying to get contracts. Again,
this is the lifeblood of a business. It's cash flow,
contracts currency. Uh, and then that creates your real value.
When you have you got three h o A five
O h A h A Contracts Home Owers Association. Now
you can go to the city and maybe get to
go to a small city and then show hey, I
(32:06):
got eight or ten of these local contracts in Hua's
I'd like to get a contract with the city of
wherever small sits are with a small city. And now
that gives you credibility. Now you go to go to
two cities, to three cities. Now now you've got eight contracts,
ten contracts. You have a real business with cash flow
and value that you can sell later on. Particularly these
contracts are renewable pressure washing and outdoor clean cleaning cleaning. Uh,
(32:32):
this is four hundred dollars to eat in dollars for equipment. Right,
expand the storefronts and repeat contracts. Right pressure washing and
outdoor cleaning. If I mean, I can I know the
windows in my house need cleaning. If somebody showed up
and with a flyer and said we do pressure washing,
window cleaning, we hire them. Think about just just go
down your street, go down the middle class street of
(32:52):
your street's poll me. Folks may not be looking for
I mean looking for bullet proofvests, not window cleaning. But
but I could say that because I grew up in
the hood can offended. But go to middle class off
a middle class neighborhood and offer these these services. And
don't go there with your had on backwards looking like
a thug. By the way, that will not work. Go there,
look clean, smooth, right, you can be. You can be.
You can be classy and smooth, cool and smooth and
(33:14):
legit looking. You got to look like the person who
wants to be hired not arrested. Uh, delivery and air
and services. Use your car, bike, you know, airplane whatever,
right to deliver for apps, then flipping into your own
courrier company. Right, so if you have a car, you
begin we know these services, but you can create your
(33:36):
own services. By the way, Uber eats and lifting. All
that stuff properly came from black folks in the South
through in the fifties when they did black car services
because they couldn't give them. You can send in the
front of the bus. So they said, well, doctor King,
and Andrew Young, my mentor said, we're not didn't send
on any bus then when I sent in the back
that so they in order to squeeze the business the
bus company, they created a black taxis literally black taxis
(33:59):
black people car services from a people's cars and just
shovel people around. By the way, rent parties, it's another
good cool business. Yes, rent parties. Have somebody hold a party.
They need rent. They hold a party and everybody shows
up with ten bucks or twenty five bucks or whatever
the entry fee is, and they pay their rent. Make
sure they pay their rent. And then and then the
(34:20):
next month somebody else has a rent party. They need
to pay rent. Right, and so have fun, but have
purpose at the same time. He had just created another
business for You can create a rent party inc. Rent
party LLC business in your neighborhood. Pay your taxes on
all these businesses, by the way, get your taxes return.
Do this proper right Again, paperwork is differ between a
hustler and a legitimate business. Delivery and air and services right,
(34:52):
use your your bike in car to not just do
Uber eats or whatever. Right, think about think about companies
that that small businesses that need proper delivery of legal documents. Right.
If you can get bonded, you can do this at
the highest level. But just keep elevating this dream. Right.
And by the way, if you if you have a
(35:13):
car service, maybe you can go to successful car service
and get a subcontract from them. Because they have overrun
businesses or events and they need somebody else to boat
onto them. You just, you know that could you could
be the boat on expert without having to start have
any startup business expense. You just leach lash onto somebody
else who's got got customers coming in. You just help
them fulfill them. Okay, we're gonna get through this section
(35:36):
Segment four, the legacy right from cash flow to legacy flow.
Right ownership is a new hustle. It's the new coop
Wills life insurance, estate planning. Right. Teach kids the games
so they don't start from zero. Here's some business ideas
to highlight right for you right in your brain. Personal
(35:57):
fitness training, street boot camps right lead workouts and parks,
record online content and expand from there. Right. I just
saw a street boot camp in Atlanta. It was like
sixty people out there and they just got permission to
use a little green space next to a business in
(36:17):
a very cool area, and I was very impressed. Barbering,
hair braiding, and grooming. This is a huge business opportunity.
I did a podcast just on the black haircare business.
So go and listen to that podcast from season one.
This is season two five hundred dollars for equipment. Start
(36:37):
at home, scale into a shop and you can do
get your Shopify account, by the way, and do an
e commerce business and boat onto your hair shop at home.
Nobody needs to notes at home and you could sell
you wave caps and grease and oil and brushes and whatever.
(36:59):
In addition to people coming in scheduling app the schedule
appointments with you and putting the credit card in so
they will show up. There's a cancelation fee, but they'll
do their online the tennis shop anyway, and they'll order stuff.
And now you're making money in your sleep. Right, So
I want you to be high tech and high touch. Right. Look,
this is the four pillars right, foundation, hustle strategy, strategy,
(37:22):
and legacy. Right foundation, hustle strategy and legacy. Right. So
what if I told you there's like ten businesses you
can start for under one thousand dollars, right, just pick one,
just one and take it and take one step you
know a week, right, maybe one step this week? Right.
(37:44):
And I want to now encourage you to to think
about these ten businesses that I've outlined here, because none
of them are very sophisticated very complicated, right, and I'm
gonna do ten more businesses and I follow up podcasts
(38:05):
I'm gonna do. I'm I'm actually doing a podcast on
how to start a business. This is not not hustle,
just business, right for everybody. This one is for This
is a This is like a from the ground up,
like wherever you happen to be, here's how you start. Right.
People think that if they don't have college degrees, they
don't have pedigrees, right, you can't succeed. That's just not true.
(38:26):
Anybody can start a LinkedIn page. Anybody can start start
an Instagram, Instagram page, or something other than shaking your
rear end, other than taking your clothes off. My god,
you wanna take your clothes off? At least get paid
for it. No, I don't. I didn't really, I didn't
really say that, And I said it, but I didn't
mean it. I was just being I'm joking. But people will,
unfortunately think I'm serious. If do something's dignified, do something
(38:47):
that is dignity rich, do something. You got all these
tools that you're handing this your phone is your phone's
a smartphone. Don't use it for dumb purposes, right, it's
a smartphone, it's a little computer in your hand. You've
got the Internet, you've got an artificial intelligence. You've got
all these tools all around you. Use all of them.
Put them together in a business plan. Go to Operation Hope,
get your financial coaching and counseling. Get your credit score
(39:08):
up to seven hundred. The bank will tell you yes
for a loan if you think you need credit. So
you need capital. Right, you don't have to go begging
the people. You don't have to, you know, go do
it a go fund me campaign. Maybe right, Maybe you don't.
I don't you know. I'm not telling you what not
to do. I'm saying if you need twenty five look,
if you need five hundred, one thousand dollars, you may
(39:29):
go to Operation Hope and go to one of our
small business training programs. Find out. You know, you don't
need any money. Go to your local Chamber of Commerce,
by the way, and there's resources there. Go online to
your Chamber Commerce, there's resources there. Going line to the
Small Business Administration, there's resources there. Go online to Operation Hope,
the National Urban League, there's resources there. I believe even
the NAACP has a small business page like there's no
(39:51):
excuse search for small business training programs in your neighborhood
and your community. You can come to us and we're
gonna help you. Get your credit score up fifty four
points in six months, get your debt down thirty eight
hundred dollars in six to eight months, get your savings
up twelve hundred dollars For somebody making forty eight to
fifty thousand dollars a year. This will change your life.
Now you're credit worthy, and now you go to the
computer at midnight and ask for a thousand dollars loan.
(40:13):
Ten thousand dollars loan with a thousand loan is a
credit card? Okay, ten thousand dollars loan, that's probably still
a credit card. By the way, capital is both equity
and debt, right, just so you know, equity and debt
is both a form of capital. Just to make that clear.
You want to get a twenty five thousand dollars loan.
That might be a home equity line of credit, it
might be a personal line of credit. Right. You want
(40:33):
to get a fifty thousand dollars line of credit, one
hundred thousand dollars loan. This for a to buy a
house right, anything under one hundred thousand dollars, certainly, fifty
thousand dollars or less, certainly twenty five thousand dollars or less,
without question, ten thousan dollars or less. You can get
that online. Okay, go to If you have seven hundred
credit score and you go to the computer at midnight.
You have a job, you have income, right, you've got
(40:55):
a seven hundred credit score right, and you have your
debt to income ratios in line. Being able to access
a ten thousand dollars line of credit to start your
business or less. It's actually well within your reach because
the computer's not gonna say you're black, or you're brown,
or your woman. It's gonna tell you're green, as in
credit worthy. Because guess what, the bank just wants their
(41:16):
money back plus interest. It's not personal. Oh, the bank's racist. No,
the bank is greedy. Bank wants their money back, right,
just like I want my money back, just like you
want your money back. So if you look toe up
from the flow up, if you so poor you can't
pay attention. If you so broke, you can't pay attention.
If you so poor, you don't have the oar and
the end you just poll then yeah, they probably don't
want to. That's your perception of that's the perception they
(41:37):
have of you. They're probably gonna lend you. But if
you clean yourself up in the way in which I'm
talking about you, get your paperwork right again. Difference between
a hustler and a business person, a proper business person
is paperwork all right, get your credits, get all this
stuff right right now, you're proper right, and the operation
can tell you when you're ready to go to get
an application. We want we want you to get a
(41:57):
yes right because we're helping banks get out of the
no business and back into the yes business. At scale,
we've done four point five billion dollars of investing this
way through Operation Hope, and it's free to you. We're
gonna give you a scholarship for coaching and counseling of
one thousand dollars to start with. It will cost you
nothing to get your credit card corrected. Do not go
pay some of these these raggedy companies that are charging
you money and to file bankruptcy, to charge you money
(42:20):
to fix your credit stop it, knock it off. Will
do that as an investment in you. I raised fifty
million dollars, almost seventy five million dollars a year every year,
so that you get this for free, I do that
me and I'm telling you go see my people download
the hope and app hamit Hopen a hand app and
tell them I sent you, and see if they keep
the word that I gave you the promise. So if
(42:41):
you get what I'm doing on saying what I'm saying
right now, you're going to be an access capital certainly
ten thousand dollars or less without questioning. Most of the
ideas I've given you you can do for five hundred
one thousand dollars I've given you today. Right, So get
your credit right, get your life right, get your get
your parties right, get a business plan written right. And
(43:01):
because you're just between business and busyness, all right, And
you can be a professional services provider, you can be
great at hustle and all that stuff. But unless you
do the things that I've been talking about in this podcast,
you're not a proper business person and you cannot scale
something based on your mouth, your idea and you get
for gab and your smoothness, that is not enough. That's
(43:23):
enough for you to have a self employment project essentially,
and I don't mind that either. Just to take care
of yourself. If you want to scale a business with
employees and with assets and with infrastructure, hopefully at some
point with cash flow and contracts in real estate. We
got to get you out of the We got to
get you out of the doldrums of doing stuff the
wrong way and do it the right way. And that's
what I'm trying to help you do today. All right,
(43:45):
This has been my ministry of finance has been a
financial literacy rap. I hope this has been helpful to you.
This is from Hustle to Holdings, turning street smarts and
the generational wealth. And wherever you are, you're listening in
this from the penitentiary, from the local UH jail cell.
You listen to this, from from the street corner. You
listen to this from from the from the from the
(44:06):
gang meeting. You listen to this while you're sending in
your car. You listen to this. Why you're, Why you're
you're depressed? And one man. Whether anybody believes in you,
I believe in you. I do because I am you
and I always want you. And I'm now statistically zero
point zero one percent of all income and wealth. Income
(44:27):
separate and wealth separate. Those are two different things in
the whole country and the biggest economy in the world.
I did that legally and legitimately, and you can do
it too, all Right, I'm out, John O'Brien. This is
Money and Wealth Black Effect Network. Go change your life.
I'm with you. Money and Wealth with John O'Brien is
(44:56):
a production of the Black Effect Podcast Network. For more
pot cast from the Black Defect Podcast Network, visit the
iHeartRadio app, Apple Podcasts, or wherever you listen to your
favorite shows. P
Host
John Hope Bryant
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