Feat. Bomani Jones

Bomani Jones (of ESPN’s ‘The Right Time’ podcast) shares the teenage hell that was being a busboy, and the heaven that was flirting with women in a busboy uniform. A lawyer and a financial advisor explain why planning for retirement isn’t the “Scam of the Week” Roy thinks it is. The uncle-and-niece proprietors of a Black-owned janitorial company in Miami tell how they built their company from the ground up, and relay their favorite personal run-ins with Luther Campbell from 2 Live Crew. Also a dog ate a car in China - @Rod4Short breaks it down.  Learn more about your ad-choices at https://www.iheartpodcastnetwork.comSee omnystudio.com/listener for privacy information. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Episode Transcript

Speaker 1 (00:01):
You're listening to Comedy Central now hiring. You're not ready
for this one, j g am I ever, yo yo.
We have a growing legion of listeners that are cutthroat.
When I tell you their cutthroat, the job Fair audience
is cutthroat. This one isn't even from me. This is

(00:23):
from a lovely friend on the internet on Instagram. I'm
not gonna say their name because I don't want nobody
tracking them down and talking trash to him. Now hiring
an international job opening for Duke a k a queen's husband.
Position recently became open. Will probably be a short term

(00:43):
contract given the queen's age, but comes with lots of perks.
Must love racism. Oh that's I wasn't going to where
I'm just reading with somebody email me. That is awful.

(01:04):
That's accurate, accurate. I'm not disrespecting them. They just they
just is the queen's single yes or no? Yes, it's
the duke, not a position that she could be hiring for.
Yes or no yeah, But I don't think it works

(01:25):
that way. You would make that face, but I don't
think it works that way. I am roy This is
my job Fair. Oh, episode one without Cody j G.

(01:47):
How are you doing. I'm good? How are you? I
feel better now knowing that you know. The void that
Cody left was people not like we needed Cody, because
Cody would always say something just a little evil, not
completely evil, but I'm not evil. Ever redeem himself throughout

(02:09):
the course of the program. But clearly, as we can
see from the top of the show, they're still hating
his people that are here to feel the void. I'm
saying terrible things. The Queen is hiring for the position
of duke. Alright, beat till you feel don't, but we
gotta get the next duke in here. That's what they

(02:32):
do in football when somebody you know in the water.
But you're more of a baseball guy, so it shouldn't
be on deck. Yeah, who's on deck for the queen?
That's a raw Let me stop. I'm not I'm being disrespectful.
I'm being disrespectful. Uh. We're back this week. Uh gonna
be a wonderful, wonderful show. We are going to explore

(02:55):
some worlds of employment. Very special friend gonna jump in
here on working for Also, we're gonna stop down in
the m I y yo for the job fair today,
We're gonna see what's going on down there in Miyami.
Are you one of those people that says Miami like that?
I just say Miami, just Miami. Do you also say Hotlanta?

(03:18):
Oh my gosh, none of those things? Hey man, hit
down the hot vant. You've been down there? Alright? Yeah?
Oh everybody calls it to a I'm with that. But yeah,
we're about to do what we always do. We do
wish Cody the best. Thank you for all the the emails. Um,

(03:39):
you know, we can't. If Cody puts it out there
where he's working, that's fine, But otherwise we'll let that
man start his matriculation through the world of entertainment. Uh.
Nice and cozy and quietly, j G. I saw a
list that I wanted to discuss with you. But wait,
before you discuss this list with me, we have to

(04:00):
say thank you to you, because Cody, this show did
exactly what it's supposed to do, get people jobs. Roy, No,
that's not what the show is supposed to do. What
you're to do the show, this acoustical radio presentation is
to get people other than the people who work on

(04:21):
this show an idea of where to pivot you're not
supposed to be a co host on the show, and
then you yourself fucking pivot off of the show. That
wasn't my goal. I'm happy for him, absolutely happy it happened.
But we're down the man next Mavot who replaced next

(04:43):
man in the podcast cheer. Okay, it is what it is.
I don't I mean that in full respect, in full
respect to whomever the queen dates after Prince Philip. You
really think she's going to date someone one not you're single?
Get on tender? What's out there? Is this woman that's ages?

(05:06):
Are you saying that she can't go out? Where's she going?
It's not ages? She's not dating anyone else. She's been
married to this anyway, Start your show, all right, So yeah,
this is a quick list I want to get to
before we get to worsen. First here, um, I saw

(05:27):
this our good friends over at inc dot com, I
n C dot com. Now this is something and I'm
not joking about this. I'm very self conscious of the
type of leader that I am. I don't think i'm
a good leader. And when I look back at my
time ten years ago when I was hosting my morning
show in Birmingham. It's the one thing that I really

(05:50):
felt like I could have done it better. Like I
understood all of the technicals of radio and do this
and say this, and how to make the joke, but
just basic relationships with people within my crew. That was
the first time that I was the head of the snake,
and in a lot of ways, I felt like I
fumbled the ball. So you know a lot of people,
you know, you listen to this program and you're looking
for ways to pivot or a lot of you are

(06:12):
already working jobs and you're somebody's supervisor. Uh, inc dot Com.
I'm gonna read these and you tell me if you
agree with them or not. I have some opinions. Uh,
the way you give feedback is wrong. Here's how to
do it. So the people that dot com, they're basically

(06:32):
trying to break down basically, you know, like we talked
about before, effective communicating with people. You just can't roll
up to somebody that you ain't ship it. You could,
but they're gonna steal stuff when you're not looking, So
it's not a smart move. Uh. First and foremost, you

(06:53):
have to praise first. That's what this list says. Okay,
and and not in the sense of like, you do good,
but here's where you suck. But keep doing good. Like
it says, keep it real. Tell them what you appreciate
about them and why. If you get in the habit

(07:13):
of giving positive reinforcement to people, they'll be all ears
when you point out areas for improvement. Okay, I'll tell
you that this is true. Actually, you, as my supervisor,
you say I'm the white blood cells of this show,
and I appreciate that. That's nice praise. You haven't told
me were screwed up yet. But because you don't, it's

(07:35):
not a preemptive like this. This is basically saying be
nice because you know sooner or lady, you're gonna have
to shoot on them. I'm not questioning the people that
dot com and the people who wrote this article. Justin Burizo.
If you want to reach out to justin uh way
number two to uh give good feedback at the job.

(07:57):
There's four ways here. Give your people a chance to speak.
If you give critical feedback at pace to let the
other person speak first. It gives them a degree of
control so that you're so that you're having a conversation
instead of just you speaking to them, or at them,

(08:18):
ask them questions like how do you feel? How can
I help? What are your biggest challenges? Right now? It
sounds like therapy. That's fair though, If I ask you
what your biggest challenges are at this job and you
can't answer it used dumb, my fucking and I don't
want to work with you. Next man up, get your

(08:40):
ass up out of here. Admit your own failures. I
don't know if I agree with that. Everyone hates a
know it all, but we love learn it alls those
who can admit they don't know everything and the lessons
they've learned. I agree with that, but I'm not gonna

(09:02):
just come up and say I broke something. I might
send you an email, but I don't want to do
it face to face. By seeing you're willing to make
yourself as vulnerable as then they'll be willing to learn
from your experience. Admit your own failures. And lastly, thank
the other person. I don't like that one. What thank

(09:23):
you something easy to take constructive feedback and even if
you deliver it well, So thank the person for being
open to listening and improving. Justin Burizo. Maybe we should
have Justin on the show. We should have just reached
out to him to have him so I could have
debated them on this. You know, don lemon see it

(09:44):
in Tonight style because at this list. Let's just look
at this list. You're an employee and I got a
problem with you. Yes, first thing I gotta do is
fucking thank you. Let you talk at me. I'm a
failure and didn't fucking tell you thank you. When do

(10:05):
I get to cush you out? You don't. That's not
how management works. Roy, Well, that's unfortunate. That's unfortunate. No,
it's not. Well, you're you're a leader of departments within
the fine educational institution that you are part of that
I'm not allowed to geographically locate. How do you handle

(10:29):
giving feedback to people that need feedback? Do we need
these things on the lists? Do these ring true for you?
Everything with the exception of pointing out my faults and
that's something I actually have to work on, But everything
else Why because you don't because you're you think you're perfect,
or that's just a reckoning that you don't want to
have in front of that person. It's not a reckoning

(10:51):
that I want to have in front of that person.
I'm not perfect by any means. However, I work really
hard to make sure I chase excellence. That's my deal.
I chase excellence. So that's my problem. If we had
to call it a problem. Okay, all right, that's fine.
So Cody's most outstanding employee of the week. It's Justin

(11:12):
Burizo at ink dot com for putting that list together.
Thank you very much, Justin for helping me be a
better leader. All right. Worse and First what we always
do this part of the show. Worse and First, as always,
brought to you by Leo Deblin Space College j G.
White people are leaving the Earth soon and you're gonna
have to get a job, get the training you need

(11:34):
in six short weeks for a job in the intergalactic
outer space world that we are expanding to uh. In
six short weeks at Leo Deblin Space College, you can
be qualified for satellite repair, Mars, rovertire changing or as
always moon Janitor Black People, Space College dot Com six
short weeks, eighty five dollars. You can get that from

(11:55):
your mama. Worse and First time. This is where we
have people call in and sure with us either your
worst job or your first job. These are real people.
J g who do we have racked up right now?
We have the money and I believe he's in Atlanta, Okay,
I mean New yak City, Oh money from Wait a minute,
I recognized that voice, Ladies and Johnny, that's bow Money Jones. Yes, yes, yes, yes,

(12:19):
I'm waving my hand like people can see me. That's
the host of the Right Time on the Wonderful, Wonderful
esp and Disney Podcast Network. Can you see him across
a litany of channels. I gotta you know, you know,
we gotta do at some point, bo, at some point
in all of the scripted ship that I'm doing, if

(12:39):
I can ever get any of the green lift to
actually TV, you will. Um, I've got to get you
on the show. Like you know what, I always love,
always love when they have journalists played journalists and then
that's still and it's technically an acting credit. Right now,
you need to heavy deal like Stephen A. Stephen They
playing bodyguard on the General Hospital, Like yeah, yeah, yeah,

(13:01):
he's got to recur role in General Hospital. And I
assure you of all the things that this life has
allowed Stephen they Smith to do, that is number one
for him as like coolest things. What do I stand
standing right here. Okay, yeah, and I guarantee you, I
bet he was taking every direction whole nine. I guarantee
you he was all the way yet humble ass fuck man. Well,

(13:23):
we already know that the folks that have been blessed
enough to hear me on your wonderful, wonderful acoustical radio presentation,
that we could talk forever. But I won't bore our
people with our interests. Uh. We just here they talk
about terrible jobs. Bro, We're talking about terrible jobs and
job opportunities is out there for people. But we'll do
that later. From you, man, give me either your worst

(13:45):
job or your first job that you can recount from you.
I was thinking about it, and I think my first
job was my worst job. Like I had a couple
of nights, right, Like those weren't great. My first job,
I was busting tables at food ruckers but wille Brook
Mall in Houston, right, And so part of what was

(14:06):
interesting about doing that job was that what I applied
for it. They told me the title was Guests Services Representative,
and they gave all these stories about what you would
be doing, and you just go to the table ask
guess how their food is refilled drinks, um, and they're like,
yeah you can. Some days you might come home with
like twenty dollars in tips, Like keep in mind, it's

(14:28):
n so like twenty dollars in tips. Sound. I ain't
never got a tip that whole year I worked at
that damn later Ruckers. Is this boy the black mall
or the white mall? White mall, white mall. I don't
know if there's a food Ruckers about a black mall,
to be honest, I don't think that was part of
the business plan, right right, Like like Walbart did get

(14:50):
like neighborhoods until like two thousand five, right Like, it's
kind of the same sort of thing. And so in
the end, what I did was bus tables at food
Ruckers like like they but they had an actual bus
title like they were at you know, bus was a
whole different place that involved a whole lot more work.
And from what I can tell, if you wanted that job,

(15:11):
you better not come in there speaking to English. That's
not who they were looking for to do that job.
And they're trying to exploit Mexican labor. Yes, yes, it's
kind of like the time I went to the Chinese
buffet and Durham and they had to help want it
sign and they didn't even bother putting it in English.
It was just in Spatich like this is not even

(15:32):
for you. We don't even want right right, Like there's
a world in which people would be offended, like yo
yo were losing the country. This is only a Spanish
until they realized, oh, I wouldn't want to read that,
no way. So fund Ruckers, that was the first gig
and the worst gig. What's the difference in what you
did and what an actual bus boy did? Oh? The
difference was so I would go to the table and

(15:54):
like when you were done eating, get you a little
basket that your burger was in, Get you know, your
your cup, and take it, Oh, but to this little
stand and then you put the stuff in a horribly
disgusting mix of water and right blue juice, right, And
I go back in the back and when it was
time to change out the bag o soda. You know

(16:16):
what I'm saying. That was my job to go in
there and do that. But the bus guys they had
to come lift that heavy gass tube full of those
things and then take them to the back. M hm.
So you were like the pre bus er, yes, that
prebus the tables and then yes and like at the
bar back slash half bus boy. Yeah yeah, but without

(16:39):
all the heavy bar back lifted, you know what I mean. So,
like at the end of the night, it would take
me like thirty minutes to close. I gotta refield the
napkins at the tables in Salt and Pepper, so in
the morning they can't get ready to go. But the
bus staff, they was there much nothing. They never walked
out when I did. So how did you ultimately leave
this job? Because restaurant work, there's never it's never a

(17:01):
grand exit unless you're like a manager of some sort.
I always argued that food service, I don't I don't
really think there's a lot of triumphant exits. Yeah. So
how I left that job because it was my senior
year of high school and like I didn't need the
money per se, right, But it was much easier to

(17:22):
go to work and get the money than I asked
my parents for the money. And if the girls knew
that you had a job, they presumed you had money
in a way that made you see. But we used
to walk through the mall with our April all. You
know what I'm saying, I messed up a little Dinim
shirt and everything else. Oh man, that mean we had
some brand dog. I never was, man, I wouldn't tried

(17:44):
to highlight a girl about uniform at the mall. And
she looked at me, like, you don't remember me from
fund records. I came in with my dad. I was like, actually, no,
I do not. And I don't know if you see
this as a positive or negative. I have no idea.
But she was entertaining the conversation. And so how I
left was I graduated from high school on a Saturday,

(18:06):
and on Sunday, obviously I took the day off. But
the manager. We had this ambitious manager who's explaining to
me how he had been on the fast track when
he worked at Pizza Hut because he made assistant manager
by nineteen, which is in fact the fast track. But
I had never thought of it as the fast track,
because you were the assistant manager at Pizza Hut, and
I aspired for more. And so he calls the house

(18:26):
and I hadn't been home yet. He calls the house.
My brother answers. My brother's thirteen years older than me.
Keep in mind, right. So my brother answers and he's like, yeah,
what's going on? You know hello. It was like it's
Bundy here. Now He's nice, like, well, this is a
Brian for fudd Ruckers. We were just wondering if he
could come and take a shift today and they're like, well,
we haven't seen bow um and you know he graduated
from high school yesterday and they're like, well, yeah, well

(18:48):
when he gets in and can you have us calling me?
Was like, I wanna tell you now, Um, I won't
have him call you. He won't be fudd rucking today,
and I doubt he'll fund ruck on the first. And
after that, after I got home, my brother told me
that this had happened, and eventually a couple of things
I may have done at the time, we're going to

(19:08):
catch up to me. And I was like, you know what,
this is a good day to quit, and so I
just came up. I was like, man, I just want
to enjoy my summer. Man, that's all it comes down to.
And I was out, all right, we get you out
of here. One more question, one more question? All right?
Bou Money Jones from the Right Time espn Um journalists extraordinaire.

(19:32):
Oh wait sidebar so j g as a woman, take
me and go back to your high school days. You're
in the mall. You've just walked out of Jean's Glory. Um,
that might be a Southern joint. You just walked out
of simply king. Oh yeah, yeah, you just walked out

(19:52):
of Chess King. And a young gentleman walks up to
you and a mustard stained flood Rucker's apron and goes,
what's up, miss a lady? Could he get the digits?
I remember ninety six The answer would have been absolutely no,
and I would have kept walking. I am not. Here's

(20:13):
here's the thing, though she was looking at me first,
she remembered you didn't remember her. I'm just telling you
this from my experience in life. Um, women got all
these things that would never work on them. Yet somehow
all the dudes who do those things have women. Um, y'all, y'all,

(20:35):
y'all are the asteris skinning people in the world. When
it comes to this, all this ain't nobody gonna do this.
But then in the end you realize you stuck with us.
There's some ship you're about to put up with, and
you know what it might be I'm in my work
uniform at six ft two? Can I mention that part?
Because it went a long way. That's like seven, are

(20:58):
you dating her now or serio involved with her now?
Twenty four years later, I was not able to like
keep it cracking, and so no, I am not. I
am not dating Curt Thank you, thank you. I tell
you this though, on paid day, if I if I,
if I had showed up like y'all, I'm about to
go cast his check. You're trying to roll for me
and I'm getting back that huney twenty dollars. Uh. Something

(21:21):
tells me she'd have been with its where Robert Brinks truck. Yeah. Well, also,
here's the other part to man, And I'm like, I'm
speaking on this generally, but you'll understand my point. You're
talking about if a dude came up to you in
the mustar stained shirt and tried to highlight you. We
ain't talking about a dude. We're talking about me. Now.

(21:45):
Maybe that works for you, maybe it don't. I don't
really have an answer for that, okay, but I will
tell you me and the mustar stain shirt might have
a better chance than some of my co workers, and
they must have stained shirts, and I might not have
as good chance as some of the others. The more
of the story. As somebody once told me, do not
lie to women. If she likes you, she'll take care

(22:06):
of that for us. So like, I don't wasn't even mustard,
No no, if I like may muster whatever. Let's go
back to ninety six really quickly. Did you go on
a date with the woman? Yes or now? No? No,
I told you, but didn't call him. WHOA wait a minute, pipe.
I was busy. It was the second semester senior year.

(22:28):
I had a lot of things to do. It's time
to go. He hited out of state. I gotta go
to Clark, Atlanta. Baby, Like that time after college graduation
two when you leave for college is a weird no
man's land. You don't really remember, but it was meaningful,
like you said goodbyes to people, but then like you're
looking back and looking forward at the same time. I

(22:50):
don't remember much about that period other than delivering steaks.
I had a raggedy ass. It was ninety six. I
had an eighty seven dodge aries and I delivered steaks
in the White side of town. J. G. You know
what I'm talking about. I delivered the Mountain Brook Hoover
All High Society because I thought I would get better

(23:11):
tips if I delivered in white neighborhoods. But what I
didn't take into account was driving a braggedy car as
a black man in a white neighborhood. I got pulled
over so much that it sucked with my delivery times.
So like it's like y'all cutting into my like the
turnover wasn't like it was this O G ship called
takeout Taxi, which is like the O G uber eats,

(23:32):
where you had a walkie talkie in your car. You went,
you drove to dispatch and clock game, you picked up
a walkie talkie and then you would just pick up
food around us an go to T g R Fridays
and take it. And then I would get out my
Rammick McNally atlas and find the street and bring you yours.
So it was it was already a time consuming job.

(23:55):
But I would have never thought with that big ass
like even as a man with a car with that
big as take out Taxi sign on the top of
my card and never thought to just pull up to
a girl waiting on the bus and be like, hey,
what's up. That's that's that's because you're not from Texas.
That this is something that you have to understand about
Texas that I think is a little bit different than
other places, like Detroit is similar to Texas in this regard.

(24:17):
But this is a big thing about Texas. Don't nobody
care how you got the money, just as long as
you got it right. Like if you if you are
an investment banker and you make a court a million
dollars a year, or you make a quarter a million
dollars a year running your landscape and business, it's still
a quarter million dollars a year. The job just indicated

(24:40):
I got a little bit of money in my pocket.
And that is that that is an important signal to
sin because Texas all about money. Like That's where I'm
at with this one right now. You know, hey, man,
you ain't never had nobody while you was working. If
you can hill at him while you're working, why can't
you hill at him when you off work? Because that
apron is discussed sting. It is it is how did

(25:02):
you walk out the door in that apron? Because I
was on a break from work and so we went
to walk through the mall hall where you supposed to
be j G. He's supposed to hide in the cut,
he's supposed to have a brake shirt, he's supposed to
change into. Yes. Absolutely, you talked about this nasty blue water.

(25:22):
You talked about stuff, and then you walked out in
the shop. We are It might be, but let's be
honest here. I was a sixteen year old boy, like,
if you was gonna let disgust and be the thing
to hold you up, then you was gonna be dating dues.
That was breaking the law, which I mean for what

(25:43):
is worth. Maybe you did right, Like you know, I
went to high school wasts. You know, we don't all
make great decisions. I understand how that goes. But I'm
just saying, if you wanted somebody refine, then I'm sorry
you hadn't gotten that far along in the game. It's
all you. You win. I've taken enough of your time
but money Johns Brother, thank you so much, man. I

(26:05):
appreciate you for humbly calling into the job fair seriously.
Jacqueline A dude in a uniform, but he was six too.
In high school, I was five seven, I'm six to
now six one but in high school I was five.
I didn't get no. I didn't get no growth spurt
until college. I'll follow you now, six too barely. I'm

(26:30):
that argument six to where I say I'm six too,
and then some niket that's really six two challenges me
to a back to back standoff. Oh my gosh, that's
what men do. You ain't six to mother, Put your
shoulder next to my shoulder, and we will measure. This
is the official measurements, even though torsos can be low. Whatever.
It's not the apron, it's not the work. It's the

(26:53):
disgusting stuff that's on the apron. Why would you leave
anywhere like that against sixteen years old? You don't even
know any better. But I digress. Coming up after the break,
we're gonna get into the jobs. If you are a
man in a mustard shirt, emailed the job fair and
let us know how to hell. Jacqueline gonna talk crazy

(27:17):
about y'all. You probably hate on mechanics too, because you
know you have oil, not at all, Because I drive
an old car. I need to make sure since somebody
can fix this thing. Okay, so mechanics, alright, Oh you
have oil in your hands, my name is Jacqueline, which
absolutely do you know anything about a V six engines?
It's job fair. We'll be right back exploring the world

(27:39):
of careers after this, it's time to get into the
part of the show where we look at the world
of employment. You know, this is where we talk to
real people that are out there. They're hiring. They look
these jobs might not be where you live, okay, but
it's gonna give you an idea of where you could

(28:01):
look for employment where you are, and even if you
got a good job. We're just gonna ask a couple
of questions about the world, find out about your fellow brethren.
Uh j G, I know we're getting ready to go
down to m I a yo with the Honorable trick
Daddy Dollars is the Mayor the unofficial Yeah, I've I've
been told that as well, Um Tricks the Mayor, Lukes

(28:23):
the King, Mr three or five Yeah, Mr Pittbull also
known that I had to mumble at to repeat Pitt
Bull's lyrics from Born and Raised. Uh have you met?
Have you met Luke or Trick Daddy Entity's I got
custed out by Trick Daddy at a at a charity
game in college. No, I don't see trick daddy doing that.

(28:45):
But I did meet Luke in my twenties. But I'm scared.
I don't even think I want to know what happened
after that, because what you said, it's like you was
at a Luke dancer audition. No from us. I was
not at an audition. He came to a club when
I was in college. I was the person who was

(29:05):
the driver of all my girlfriends, and you know me,
I talked to everybody. So I just walked backstage and
there he was, and he was like, hey, how you doing.
I was like, hey, how are you doing? And he's
very nice and intelligent. He said, you're joining yourself. I
said yeah. He said you need anything, I said, I'm good,
nice to meet you. Just walk away the sidebar. The

(29:27):
trick that the incident was completely my fault because he
was out of breath and I was. I was bugging
him for a quote. I was with the campus paper.
I was trying to get a quote from one of
the celebrities, and he was just tired to get your
ways up my face, like he didn't know I was
a journalist. I wasn't wearing a hat that said press
he just thought I was some dude with a tape
recorder in his face, like that's awkward. I get it.
It's the nineties. I met Luke Campbell. I won't speak

(29:51):
on the circumstances because it makes other people guilty and
I ain't no snitch. Um. But it was a party
and it was and it was dancers there, and you know,
like that from a marketing standpoint, that's part of what
Two Live Crew did that I thought was always so dope,
was figuring out ways to grassroot and like underground promote
themselves because you know the guy. We all know the

(30:12):
journey of them through mainstream radio. Um. I saw look
in the corner. There were women popping into working and
Luke was in the corner reading the Wall Street Journal.
I told you about the man, so you need to
know about the man and does a lot of dope
stuff down there for the children down there in Miami.
I honestly don't think that Luther Campbell gets the respect

(30:33):
he deserves for the battles that he fought in court
for hip hop music. Now that's the conversation, uh, for
another day. I know we're going down to Miami today
for the job Fair who do we have on the line,
j G. We actually have Will and also Jasmine. They
own a family business, a cleaning service, black owned business. Alert.

(31:00):
The sound effect is something in there right there. We
need a sound effect. We need a black owned sound effect.
Whenever we get a black owned business owner only here
and they're hiring, you know they're doing good. Jasmine, Will,
welcome to the job fair, welcome, welcome, welcome. Thank you
guys for having us now before we get into your

(31:20):
company and what you all do for the people. Um,
I guess we me and me and j Gton already
told our Luke stories. So you know, I'm not sure
if Jasmine's old enough. But Will, We'll got a little
salt and pepper right there, like me. So I think
he might have a Luke story. Well, I'm gonna say this, yeah,
interrupt your quick. Jasmine is my niece. So she got

(31:40):
a Luke story. We're gonna have to talk about it
after this is over. I might have a problem. Don't
tell the story. No, no, no no, And you bere
not having no Rick Ross stories either. He more currently
really so I would say, really quick, Actually this is
before you know Uncle Luke was when he was still

(32:03):
Luke Campbell, and he was DJ n and doing things
in Miami. My cousin by marriage was his DJ gentleman name,
but by the name of Connie Head. That's what they
called him. Why. I don't know the story behind that.
But tiny Head, who was now you know, a pastor.

(32:28):
Of course he is all that he saw, but he shared.
I'm fortunate some stories that I'm not going to share
with you today because I don't know what the statue
of limitations is on some things. But it was a
wild time, and it was a wild time. Man, it

(32:52):
was a consensual wild time. Let me add that consensual
absolutely from what I hear, because I wasn't there either,
I heard it. Well, so Jasmine my niece, who are
my love dearly, whom I love like my door? You
have her uncle Luke's story or Rick Ross up Bull, Well,

(33:12):
I've actually met all of them only at heat games
though you know, you know, not out only at my
heat games that they came or whatnot. And I can
say that Donald one of our employees, he actually coaches
with one of the teams in Miami. They coach football,
high school football, So he talks about Luke a lot

(33:35):
and what he does for the community and what he
does for the students and whatnot. So that's that's my extent.
You know, I haven't know about that, but of course
you know when you hear story, you know, but you
know the pictures, you know. All right, So, Jasmine, I

(33:57):
know you outside and enjoying that wonderful, wonderful flu to breeze.
So we're gonna get you out here because I know
it's Miami, which means it's gonna rain in twenty minutes.
Tell us a little bit about your company. What is
it that you all what's the situation here? So we're
a black own, family run company. Um, we're multi faceted.
We started in commercial cleaning, so that's where our home is,

(34:18):
and we've ranched out to a couple of other things.
We also lend carcare detailing products and we're only we're
one of the only black companies that do that in
the area. So we're trying to put our detailing products out.
A lot of mobile car watch guys come and get
their supplies from us and whatnot in the area. So
we're trying to push it out in Miami Broward, my Florida,
trying to get out bigger and better. So we're doing

(34:41):
pretty good. So we'll talk to me a little bit
about some of the positions that you all are hiring
for right now now. So some of the positions have
our cleaning services, we manage a number of contracts with
the county and the city clean the school buses as
children returning to school. We were you know, blessed to
win that contract. Uh we clean the MT buses. We

(35:02):
clean parks and recreation all the parks, restrooms, we clean those,
you know, restaurants for all parks and recreation services within
the County of Miami Dade. So those are the positions
that we're looking for. But at the same time, we're,
as Jasmine mentioned, we're expanding. So I would hate to
deter someone for you know that's not in accounting because

(35:26):
as we expand, we can use people with a counting experience. Uh.
So we're looking for you know, you know, those type
of experiences, controller, those type of things. So those are
some of the positions. Wait a minute, when you need
a control and that means you make it real money,
we do. Okay, you are right, Oh you do better
than okay. She caught side at the heat game with

(35:49):
Rick Ross in the upper concourse. You do okay, you
do okay. We're very thankful, we're very blessed for the
opportunity that we have to get back to the community
and what we're doing now, especially with covid um. We
gotta call with the parks to do that into service

(36:10):
our community. And we like to hire people who look
like us and work in our community, no income communities
and give them that opportunity to make a difference. So
let's stay in that pocket for a second, dast man,
were you all are doing this work? Is there a
sense of pride that comes from being black owned and
being able to give back? And was that always the
company's mission or was it just self survival at first?

(36:32):
Always a mission our owner, which is William Berry, the senior.
That's uncle's dad, that's my grandfather. That was his missions.
If people who might not have might have been looked over,
might not have had a chance, that may able come
from a trouble background. If those people a chance, because
everybody can turn over a movie, everybody can revamp themselves.
So we wanted to give those people an opportunity. People

(36:54):
might not have worked, incorporate or known different things to
try to teach them and try to better our community.
That's the only way we can do it is to
get into it and to teach those persons to keep
the community going. For more money into it, make them
have more knowledge to keep going. That's the only way
we can do it. And I jump in real quick.
So at just a little bit about my father and

(37:17):
it's heart. He was a social worker. He was social
working for roughly thirty years work for state organsation called
division Blized Services UM. And once he retired and he
was fifty one, you know that, you know that urge
to still give back to the community, to do for
other people, it was still in him. So when he

(37:41):
started the company, the sense was I want to be
a part of the community, to do for people, for communities,
you know, historically disenfranchised communities. You know what he was
able to witness people are not doing be for them.
That's the crazy thing about working, you know, and social work,
and especially like defense attorneys and stuff, you end up

(38:04):
getting out of the system and figuring out a more
efficient way to permeate to the people that actually need
the help. Which the existence of your company is amazing,
but in a weird way. It's also kind of an
indictment of the system, because if he had been able
to do what he wanted to do over those thirty years,
it would he wouldn't kick him back. He should be

(38:25):
somewhere off from Bermuda sipping my ties. But he had
to leave that for thirty years and come up with
a whole new thing that God bless him for doing it,
because it seems to be getting the job done down there.
What's the name of the company? I forgot that. We
didn't even ask you all the name of the company.
I'll let you discuss it, Jasmine called Able Business Services Incorporating. Okay,

(38:46):
Able Business Services Incorporated. Where can people go? Well, here's
the last question, Jasmine. Um. I know, for all the
cleaning stuff, you gotta be local. You gotta be able
to get down in South Florida. But for some of
the control of some of the more electronic in the
bookkeeping stuff, is that something remote or as the country
opens back up, you all want to be able to
see people and touch people because they're handling your money.

(39:06):
I believe because we are like we're small business orientedd
because we started so small, we grew dastly in COVID nineteen.
We're still very hands on. So I would like to
see that person in the office, and I wouldn't like
that to be the remote as of now, I just would.
I don't know what my grandfather's options are, but no,

(39:27):
that's the right choice. You've got to be able to
put your hands some jobs, like I put my hands
on you. I want to You gotta be able to
smell their breath. Make sure they ain't not there drinking.
What the you know down there gooom Bay drinking all night.
I know a little bit about groom Bay. Okay, I
want family, So all my classmates with skip school and
go to Jacqueline Gumbay is like Caribbean Marti Gras. I

(39:49):
know that's a terrible analogy, but it's off the chain.
It's off the chain. They come back with confred is
putting them in the dorm room, stinking up the dorme
because they don't eat them all in the one night.
Where can people apply to be a part of your
company On our websites Able Business Services dot com, It's

(40:11):
tablet says join our team. You can go ahead and
fill out the application right there. We're always reviewing applications
were always doing interviews, trying to go bigger and better
and make our company better. All right, well that's what's up. Well,
thank you all so much for calling into the job fair.
I wish you all nothing but the best, brother will
when I get down there the Coconut Grove to the
comedy club, tickets and drinks on me um. You know, Jasmine,

(40:35):
I'm not sure if you're old enough yet, so we'll see.
I'll check with your uncle first family. Come beat my
ass who gave that nigga for? They too, don't you
don't take all? Right? Man, y'all have a good man

(40:56):
opportunity respect. Thank you all. I like them. They were good,
nice people, nice people making good money. You know a
black person making money When they say I do, I
absolutely yeah. And you're right sitting at a heat game.
Come on, man, have you ever met Little Wayne? Yes,

(41:18):
I've met all of them at the all. I thought
she was she the youngest everybody on the call. Yes,
I've observed Birdman in a Little Wayne in a recording
session at a mansion on Celebrity Island next door to Madonna.
I do all right, you make good money. Coming up

(41:39):
after the break. You know who's coming up the homely
Norrato a k A. Rod for short, and we are
going to get into ways that you can break the
ice and scare it a week. That's the job fair,
Roy's job fair. We are back j G. Let's get

(41:59):
in to it as we always do around this time.
It's my favorite part of the program where we give
you an opportunity to learn a little something new about
people of a different race in your workplace. And the
only way to do that is to break the ice
with the topic that that person may find interesting so

(42:20):
that you all can have some common ground to help
us do. That is our resident black people, White people ologists.
He is fully vaccinated from parts unknown. He is Rod
the number four. Sure right, how you doing this week? Brother?

(42:42):
I'm doing amazing, man, fully vancs just like you said,
and uh ready to get back out in the old
quote unquote dating games. It's time. It's time for me
to get some of those married women out of the house.
Fully vancs and fully wax. You know I'm done back.
No right, I don't know what you're talking about. I

(43:03):
never know what you're talking about. I wouldn't never know
what you're talking about. Who you know what while we're
on that. We just had a company on from Miami
and um we spoke briefly about Uncle Luke. Have you,
um ever met Luke Luther Campbell? Well any of the
two live true dances from back in that back in

(43:25):
that era, I have, indeed, Yeah, good times, good times.
I was I was a very young kid when those uh,
when those albums started to come out, and I they
changed my life. It changed my whole world. Man. Yeah,

(43:46):
I can see it's still affecting you to this day.
What's're sipping on? Right? I got a little key with
strawberry juice and main go wrong. I don't even sound
like alcohol at that point, just sound like juice. Yeah,
it'll sneak up all you. I can't take no look
at it. And that's dangerous. Good at people? Something to

(44:10):
break the ices week rock? Uh, white people? What you
want to be talking about right now? How this thing
in the black community is? Uh? The the p p
P website. A lot of people have just found it
and just taket to social media. You know whoever got

(44:31):
P P P loans is? It is public public record
and you can go onto the website and search your
zip code and find literally everybody in your area who
got a P P P loan and uh, we spend
the place a couple of days. Finally got a lot
of people about to go to prison because right up

(44:55):
there with all the businesses, it's just like Rodriguez Jones
fifty thousand dollars. It is hilarious, but it's a loan.
You have to pay it back. Why are you Why
do you think the government won't find you because the idiots, Well,
you have to pay it back if you actually don't

(45:17):
complete the paperwork. So on the back end, you have
to complete paperwork and then you don't have to pay
it back. But give the loan. If you give the loan,
if you use it for what it's supposed to be
used for. So that you know we we've been filing
out that a lot of your local friends who have
been studying on the ground have not been filed out
of control because they've been hustling. What they did was

(45:41):
filed a hair braiding on the porch LLLC bullshit as
P P P loan and that's why they got their
camera from and they have to go down. Please, if
you can hear this, go to that website and just
type in your address, your old neighborhood, anywhere, and just
see all all these people who are just getting it's

(46:03):
it's ridiculous. This, this is, this is fascinating. Like this.
There was a girl who said that she just did
twenty k and now she needs money to pay it
back because she didn't already spend it. So then it's

(46:25):
a conversation about fraud and you just go, hey, man,
you've seen all that fraud going on, these pv P loans,
these people that here stealing all the money. Yeah, ask
your ask your black co worker if they got a
p p P loan and they'll just take it from there.
Because this is this has been a good time asking
black people if they broke I don't know, if you're well,

(46:47):
you forget one. You just have to file the paperwork
and then you can uh go to prison. People forget that.
You know, the government would allow you to kill people,
they allow you steal from people. But the government that
does not funk around with their money. Your ass is
going to jail. Think of all the murders and they
let Alcophol get away with and they took that neig.

(47:09):
The jail for takes invasion, all right, flip the script
black people. Uh, what you want to talk to with
your your white color is right now is uh dogs,
specifically Chinese dogs. Bark Lives Matter has made it to

(47:31):
the Eastern world. Uh. Man in Shina went home to
his apartment and there was a straight dog sitting in
his parking space. So he got out the car and
kicked the dog literally out of the parking space, went upstairs,
and when he came back out to his car, a
pack of dogs had torn his car to pieces. The

(47:56):
dog get kicked out of the space. When they got
the holies, when they got big, they tore that dude
bumper off and did it up and everything, and the
all the reason he found out is because one of
his neighbors set out there and film the whole thing
and decided to show it to him. What do you
have a convertible like howard dogs and knowing up a

(48:18):
regular as vehicle, well, you know the chin to They
make things real cheap, including the cars, so so it
was probably just made out of paper mache and like
fucking Mike chade and some paper clips. Oh my lord,
oh my lord, where riders always thank you for coming aboard.

(48:40):
And the podcast is uncle Rod's story corner hit right
on all social media. Rod the number four short right
for short. Um, good luck with applying for your p
P P. Long brother, I know you're gonna try and
sneak and get you about forty dot you. You're gonna
try and figure out exactly how much can I get
without him coming for and scale it back by about

(49:05):
no better that the government do they on every penny.
So I'm I'm gonna let other people do that. All right, right,
we'll get at you next week, brother man. All right,
bless up, Yes sir, thank you as always to ride
Scam of the week time. Now. Uh, you know we

(49:25):
talk about a lot of different scams on this show,
j J. You know this is the part of the
show we invite, you know, the job fair listener, This
is the people show. I've said that a million times already.
Royce job Fair at gmail dot com. Royce job Fair
at gmail dot com. Any hustle you used to run,
any hustle that you have seen, just come on and

(49:49):
tell us about it. Assuming that the statue of limitations
has pleased, Please don't call up here, Dray snitch and
have them pulling my audio like they do that glad
TV motherfucker YouTube every time a rapid get on that show. Yeah,
I killed the murder and then the fits come take
that audio and that that that ain't what I want. Um.

(50:10):
But it's some stuff that people say it's a scam
that I think is actually not a scam and it's legit. Um.
What world where are we going into today? What world
will we exploring? We are actually going to talk about
retirements and retirement is not a scam. You never retire.

(50:33):
They're tricking You're tricking you in the same money. But
when you don't work no more, and all you're gonna
do is over work because you love work, you love work,
paper retire. Okay, break it down from me? There who
Who's Who's on the show to break down the world
of retirement. We're gonna talk to Richard and Mark and
we're gonna talk about the importance of retirement and what

(50:55):
it is as it relates to employment. And we're going
to talk about saving for that retirement and also investing
for that retirement because it's going to happen. Roy, you
will retire as well. I'm never gonna retire. I'm gonna
die on stage and I'm still going to charge people
to to drink minimum, you know. Okay, let me say

(51:16):
that on the record. If I die, y'all still gotta
pay for the ticket. Ain't no refund. I was on stage, Richard, Mark,
Welcome to the job. First up, Richard, Hello, what's going on?
What's going on? So we can identify some voices? Mark,
what's going on with your brother? Hey, Roy, how are
you doing? Good to see you brother, I'm good. I'm
good now, Mark and I full disclosure. We've chopped it

(51:38):
up a couple of times. That's a good man. I've
been able to share a little bit of conac with
this brother. I know Mark handles a lot of different
um investment funds. Is that a fair way to say
it without putting it right on the nose? Well? I
manage portfolios for clients that happen to invest in markets,

(52:01):
and I hope you invest in make sure it's around
for retirement or any other goal you have to. I
just want to make sure people know that you know
about the ship that you're about to say, and that
I did didn't call some dude I met at the club.
Twenty years twenty years, twenty years of Wall Street yeah,
I have to do. It's interested what he said. He

(52:22):
said he invests money for people to have money. So
if you broke this is not the conversation. Well but
you know what Mark was telling me that, Well, hang on,
but let's get to Richard first. Now, Richard, you're an attorney.
Now in what quadrant of finance do you operate? So
I have a lot I did with small businesses. So
everything from an inception so when you start your small business,

(52:42):
you want to be a corporation to LLC to shareholder agreements,
operating agreements to business litigation. You know, businesses like a marriage.
So when it's a time for a divorce, I handled that.
Uh so. And I also sit on a community uh
Development fund UM, which is a not for profit bank,
so I lend tom I'm part of the loan committee

(53:04):
and we lend to two small businesses as well. So
you're there. They make sure that these small businesses get
the capital that they need to get started. And then
you're the one when people decide to make that pivot
into starting their own business that the paperwork is straight
and that the money is laid out right. That's right, Okay,

(53:25):
So then let's get right into it. Mark, let's talk
retirement and why it's not a scam and why people
actually will eventually stop working and why they should have
money in their back pocket. Yeah, so retirement is definitely,
uh not a scam because it's something that most companies,
UM is one of the largest benefits you can have
by working with any employers your retirement package. So um,

(53:48):
it's it's something for you to take advantage of because
it's money that the company most of the time will
match you dollar for dollar up to four to six
of what you of your salary and don't match you
dollar for dollar. And what's nice about putting away money
in your retirement is it's money that you would have
been taxed on if you didn't put it in your
retirement account. So, um, if you're making a hundred thousand

(54:10):
dollars a year, your tax on a hundred thousand dollars
a year, if you put thirty thousand dollars away and
in the four one K plan, that's thirty thousand dollars
unless you get taxed on um uh that year. Uh.
There are uh maximum contributions that you can make, but

(54:30):
if you put in you know your max contribution around
seventeen thousand plus your employers match if you're over fifty
years old. There's also a catch up provision allow you
put even more away then UM everybody else, so you
can catch up too in case you started late. So
these are all these are all things that allow you
to lower your tax liability at the end of the
year UM and invest for your future UM. The average

(54:53):
return of this of a portfolio UM over ten years
around seven so we like to say is about seventy
eight years your money to double UM or so and
so based upon that on those figures because of compounding
and so it's not a scam because your money is
gonna grow with the market. You look at what the
market did last year and now it's it's it's gone

(55:16):
up quite a bit depending on what investments you have
at the SMP five hundred, so you know, you add
some money in your four one K plan, that money
is up you know over the last well months. Yeah,
just to add to that. You know, there's if you
if you if you like I work with small businesses there,
you know, entrepreneurs right, so they don't have an employer

(55:38):
to match funds. So if you have your own business,
how do you say for retirement, and you really need
to think about it, consulting the financial planner, which would
be a good idea because at the end, you gotta
figure out when do I want to retire? Do I
want to work for twenty years and then I'll retire?
And let's say, well, let's say you lift at the
average age you live to a seven weeks. So let's

(55:58):
say I want to retire at sixty, so I'll and
I'll live for eight, twenty or twenty more years after that.
How much money do I want to have for those
next twenty years? Each year, Let's say I want to
have a hundred thousand dollars, so I'll need a hundred
thousand dollars every year for twenty years. So I'll need,
you know, a two million dollar retirement fund. And so

(56:19):
so you start backwards when it when it comes to that,
you start from when you want to retire, how much
you want to retire with, and then you start planning
so and then that goes into all types you can
do and you diversify real estate investments. UM entrepreneurship is
a fast track to to being you know, building wealth,
whole life insurance where you can basically have life insurance

(56:42):
for your family, and you can there's an investment component
to it, so I can I can pay my life
insurance for five I can have a half a million
dollar policy, pay five dollars a month. Two hundred and
fifty goes towards a policy, to fifty goes towards investments.
I can borrow from that money. I can use that
money as as my own you know, uh, cash advancement
that I want to start another business, work and keep

(57:04):
the money in a whole life So there's a number
of different ways in which you, as an entrepreneur can retire. Now, Richard,
in the black community, there's been a stigma around whole
life insurance. How do you get us over that hurdle? Uh,
it's all about education, as we do Will's trust in
the States, So I help people, UH basically what we

(57:28):
call asset protection to help people protect their money from
the government by putting into a trust right so they
separate their money from them, They separate their assets from them,
so the government, creditors, child support, your wife, your ex husband,
that can't attack your assets. So it's all it's all
about talking to the right people and about getting that
particular information and education. So look, people want to sell

(57:52):
you life insurance. Talk to the people who work for
the big life insurance companies. They want to talk to you.
They want to sell your life insurance. Talk to three
of them, three at least three of them, and get
an understanding of how life insurance works. Go online YouTube.
But the thing is people who have to have access
the information, get the information it's out there, and do

(58:12):
your due diligence. And and Mark and I had this
company conversation quick because to to your point, Roy, you
can get scammed the retirement Bernie Madoff fifty billion dollars,
the sophisticated people who who got scam right, So market
I had this conversation and said, well, how do you
avoid getting scam? So go with companies that been around

(58:34):
for a hundred years. Bernie Madoff has not been around
for a hundred years. So you go with these bigger companies,
it's unlikely to get get scamped. Um. So Mark, when
we talk investing, it's everything you all understand and and
this and I and I of course I'm joking when
I called retirement a scam. But what I'm saying when

(58:57):
I refer to retirement in a scam. It's that it's
this idea that while you are presently struggling, and you
are presently trying to make ends meet, you are also
being told by someone even a little bit for later.
I'm starving today, I'm struggling today, my bills are due today.

(59:21):
But within that, I feel like we have been sold
this idea that, or at least when I've been on
both sides of the red and black in terms of
tax brackets, right when you are struggling to get to
the next meal, there's this idea that you don't have

(59:41):
enough to save, so retirement and investing that's all seen
as pie in the sky. How do we get people
past that, because even if you're making twelve dollars a day,
you can still try to figure out a way to
set something aside. How do we get through to those people?
That's a great that's a great point. And um, you know,

(01:00:03):
I think that with the democratization of Wall Street that's
happening over the last twenty years with companies like robin Hood, Schwab,
TD and merrit Trade Fidelity, the list goes on. All
these firms now and these companies you can join as
this twelve dollar our individual and open an account and
trade in the stock market for free. That never used

(01:00:26):
to be the case for the last hundred years plus
of the Wall Wall Street existing. In the last ten
fifteen years now and then over the last two years,
all these companies are now saying we're gonna do free trading.
And so if you open an account with twenty five dollars,
fifty dollars, you can start to put away money and

(01:00:46):
an index fund, very simple s and p five hundreds
one of them. And every single time you have twenty dollars,
you know, give up, give up that you know that
blunt for the week, put that in your retirement account,
give up that that knit for you know that that
at you about to get this after was dropping the
new in one ship and the stock is gonna go.

(01:01:10):
Look you got to get on these trips, I'm telling you, man.
It's it's like it's like working out man every day
batters right, If you can't, you don't just go to
start being some buff person off the bat, off the rep.
You gotta go and go to the gym every day,
work out for a half hour. And the same thing
is investing. It is a habit. It's a lifestyle. You've

(01:01:31):
got it. Once you start doing it, it becomes addictive.
You start putting away twenty dollars a week, all of
a sudden, maybe it's fifty dollars a week next, the
following year, and and then you'll start to see with
compounding and in the market going up, all that money
you put in will will start to grow. There's an
interesting mountain chart that I saw when I first started
on Wall Street. If you put ten thousand dollars in

(01:01:52):
nineteen sixty in two thousand and ten, that money would
be worth one point seven million million dollars if you
had never put another diamond because of compounding. The market
just compounds on itself. It's one of the freaks and
nature when it goes comes to investing, is that you
put a hundred dollars and it goes up ten percent.
You got a hundred ten dollars. Okay, it goes up

(01:02:15):
another temp percent. You don't have a hundred twa dollars.
You temper something went up on a hundred and ten dollars,
not on the original hundred. If market keeps going up,
your money will grow at an exponential rate because of compounding.
So to answer your question again, start off small. If
you don't have it, do file dolls, do ten dollars
with with these index ones, you can do that small

(01:02:35):
amount of purchases, or your retirement or any other savings
goal you may have. But the thing is is to
get in the habit and to start changing your spending habits.
If you don't have any money to buy food, you
gotta buy food first, absolutely, And your example, retirement is
not for you at that point. But at some point
when you have a little extra or if there's something
you could do to save a little bit more, that's

(01:02:58):
when you know it comes to savings. But you know
you can't do any of that without taking care of
home and making sure you know you're feeding your family
for sure. You're saying, don't turn up, jess, what don't
have fun? So look putting your money underneath your mattress
because you don't trust banks. You gotta get out that
happen all right, You're not making any money. It's called

(01:03:20):
the inflation. A hundred dollars this year is not the
same as next year. It's gonna be worth nineties seven dollars.
Stop putting your money in the mattress. For folks who
use check cashing places, those are no good because they
take a percentage of your money. Right, So we gotta
be smart about our money. I mean, the black folks.
We are a trillion dollar economy and we don't We're

(01:03:42):
not showing it because we got to educate ourselves. The
information is out there. We gotta educate ourselves about money.
Bottom line. Okay, I have one thing from Mark. Mark,
we watch you on CNBC. Tell us what are your
thoughts about cryptocurrency? My thoughts So I wish I bought
more of it. Uh afthings rocking it off. I mean

(01:04:06):
the thing is, it's like, listen, crypto currency is um
I don't know if you want. You heard about the
story about Usher giving out fake Usher dollars in the
strip club. I mean very similar to crypto. Is that
you came up with some fake dollar that that no
one ever heard of, Say that some dude in Asia
came up with this way to put your money in.
It just grows because people just want to keep buying

(01:04:28):
this crypto because there's only a certain amount of crypto,
and it's better than gold because you don't how much
gold there is. But you definitely know much crypto is.
And because that this is supply, demand just goes up.
And so my whole thing is is that if one
day the Chinese government breaks into this blockchain and steals
all your money, what is you gonna do? The US

(01:04:49):
federal the US federal government said, we don't have anything
to do with this crazy currency y'all invested in, but
I I and beware, We'll let y'all do what you
want to do. So if it was I heard a
hard earned money, I'm not putting a lot of money
in this thing because you don't know. One day you
wake up and all of a sudden, the Russia's done,
damn hacked the block change. Your money is gone. There
is no one for you to sue besides beside your

(01:05:11):
dumb ass self, because you know that is the risk
of going into a digital currency that has no country
backing it. When you have a dollar in the bank account,
there is fdi C insurance. You do not have that
in crypto, and so you're taking a risk it. Yes,
it's going up Scott High, but if it goes down,

(01:05:31):
are you gonna be? Okay? I hear you, Mark, I'm
saying you're going I hear you. I understand when you're going.
I made a little change today in crypto, so I'm
not upset about it. Yeah you made Yeah, not bad
for a day, not bad for a day. But I

(01:05:53):
mean ahead, um, I'll get you all out of here
um on this question, Richard, because as you essentially for
what you do with finance, you have a front row
seat to a lot of people that make the decision
to walk away from the nine to five and pivot
into whatever it is that they believe is their destiny

(01:06:14):
in terms of being their own boss. What is the
biggest mistake that you think entrepreneurs make when they go
off until the vast unknown man and all day on
this but here, the real, the quickest mistake is not
claiming any money on their attack recern So, in other words,

(01:06:37):
when they fill out their tax return, they write everything
off and at the end of the day they say
they make zero consida they want to pay Uncle Sam
many dollars. Now, of course you can do that perfectly legal,
because you can deduct business expenses and they could be
perfectly legal that you you know, de duct everything including
your your cat's haircut, whatever it is. Right, But the
point when you try to go out and borrow somebody.

(01:07:00):
Do you want to buy a house? You want to
line a credit for your business? Right? And you said
you make money, right, you live a comforable life. The
bank is gonna look at that and say, how are
you gonna lend you money when you make zero? And
you don't be like no, no, no no, no no, I
make money. Well, it's not on paper. We got to
see it on paper. Expense it, So give me the money.

(01:07:23):
Give the money, right, you know, because people will expense anything.
I'll tell you that they all types of stuff they'll
they'll expense. But if you're gonna use other people's money,
you got to show that you make some money. Whatever.
It could be twenty five dollars a year, so you
pay less taxes. But you have to show you make
some money if you're gonna go to the bank and
ask them for something, you know, for their money. So

(01:07:46):
I think that's the most important thing that people need
to learn, is that you can't write everything off and
then seek other people's money. Can I start a business
with the money I made off of my crypto that
I'd skip paying rent off? Absolutely? But I gotta tell
you I've never seen are you never even see crypto money?

(01:08:06):
You hear about people making it, but you never actually
see the dollars. I mean, were you able to were
you able to cash your money out at any point
in time? It ain't real money until I see a
strip of dancing under it. That's what I'm talking about.
If you don't follow their you know, like like coming
to America again, If it don't fold a jingle, you
know it ain't real money. But don't wait, you're throwing
coins in the club. Oh, you are so disrespectful. I

(01:08:29):
know you meant goals. I know you meant jewelry. Where
can people go? Uh? If not to where? If not
directly to you? Gentlemen, just give us a couple of
resources where people can go to UM to get more
information on retirement and financial literacy and life insurance and
just all of that stuff. Well, I think you know,

(01:08:50):
obviously I'm not here to pitch for any of the
big life insurance companies, but certainly you can find out
you know, Nework Life, met Life. Uh, you know they
have agents all over the place. UM A quick Google
search for UM you know how to invest, You'll you'll
get a lot of YouTube hits. There's so much information
out there, and there's so many people who of color,

(01:09:11):
black folks who will give them at this information, who
understand the stock marked whole life insurance. I mean straight up.
If you just do a Google search for what you're
looking for, you'll have a wealth of knowledge. Uh. There.
So it's not just one place to get the information
to get it. We live in the greatest time of
all because you have literally information and money at the
at at your fingertips. The access is at your fingertips. Yeah.

(01:09:35):
I would say that if you're gonna go and and
and want to find out more about retirement, you know,
the easiest thing to do is is just turn onto
television and start watching CNPC because you're gonna pick up
stuff just by having a background noise. UM to be
to be honest with you, UM, and you it won't
make no sense at the beginning. By by spoont six,
you'll you'll be putting things together pretty quickly if you're
putting it on just having background noise all day. Uh.

(01:09:57):
And the other thing is just open an account and
start investing, because you will learn by doing UM. If
you're just gonna talk about it and pray about it,
and that ain't gonna work. You just start go ahead
and start putting that twenty dollars in every week and
buy a simple index fund, and then you will you
will start to get more curious and want to learn about, oh,
why why my account went up last last month, you know,

(01:10:20):
and then you'll start to be more curious because you'll
see your money making money. And I think that's it's
It's almost like I don't want to compare investing to gambling,
but you could talk about gaming long day until you
get to the black jack table. Nothing else matters. You know,
you'll learn at the table. Uh, you'll learn at the
poker table. Whatever you gotta be in it, you gotta learn.
You know, how does it feel like to lose money?
How does it feel like the game money? How much

(01:10:41):
risk do I want to take because I lost all
this money in the future, Because all these experiences will
change your behavior and how you invest, And so you
gotta do it and stop just talking about it. Go
ahead and get some action open and account, get started.
And I would also say, first when one thing you
should do, pay yourself. Always pay yourself, paycheck, make sure
you paid yourself all right, man? Well, Richard St. Paul, Mark,

(01:11:05):
Christian Smith. Thank you all so much for coming on
the Scam of the Week and proving that's something that
really a scam and totally sucking up the segment. But
it's cool. It is what it is. You know, I
should have just hung up in your face. Need some
good brothers, uh as always. Thank you all so much. Richard,

(01:11:27):
I'm gonna reach out to you, man. I gotta get
my LLC stuff straight. I got a couple of other
things I'm trying to get together on the side, and
apparently Jacqueline, don't make some of this bitcoin money and
bounce to hey, I'll get you straight as narrow brother.
Just however, yeah, teach me how to hot this money
off shore? God when you cast out that bitcoin? When

(01:11:50):
do you save your money for taxes? And the tax
man gonna follow you? Mark, Mark, I am diversified of
my portfolio is risky. I'm good over here, but if
I need help, I'm going to call you and Richard
all right now, I don't even know what mane of
that means. I gotta get my ship together. I'm a
fun all right. Thank you, gentlemen, Thank you, thank you,

(01:12:13):
appreciate it. Let me find out your ass got thirty
thousand and get corn? Why why my voice turned like that?
As soon as they hung up, I turned into like
the crazy boyfriend. Money, money, amazing money today. I'm not
gonna tell your story. I'm appreciate it. Thank you all. Well,

(01:12:35):
that's the show. Thank you as always, Charling, I guess
for calling. And Jacqueline, you are amazing. You're the white
blood sales that make sure that the show stays healthy
and that the integrity of it is always top notch. Um,
I don't I don't know what we're gonna do. Um,
I'm gonna go through some more these let me co
host emails. We might just have an adventure. Oh not

(01:12:59):
right now, not next month. Oh I have rode dates,
you know what. I'm not even dot com. Oh my gosh,
at least the first one to tell us, the first
one come on Connecticut, Jersey, Rhode Island. Just there, go
to the website. What's on there? Yeah, we're going. This

(01:13:19):
has been a Comedy Central podcast