Money On My Mind- The Importance of Financial Literacy

This episode Tamika D. Mallory and Mysonne join together to discuss their unapologetic work they do for the community and within their organization and knowing their calling, despite the criticism they may recieve. Also, they speak on using the opportunities to bring more awareness to the people that may not understand why they bring cameras to their marches and other events. In addition, as we approach Tax season they have Rashad Bilal from the "Earn Your Leisure" podcast and speak about the importance of financial literacy.

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Episode Transcript

Speaker 1 (00:06):
What's up, family, I'm Tamika D. Mallory's your general and
we are your host of street Politicians, the place where
the pics me. What's good? It's been a week all week.
Every week is a week. Every week is a week
in our lives. Every week is a week. A week
is a week. A week is like a year. It

(00:26):
is it is the days a week. But that's a
good thing. That means we're pretty productive. I mean, you know,
we do what we do, you know, and we unapologetically
do what we do. Absolutely. I feel good, Actually, I
feel really good. You know. One the Grammy performance I phenomenal.

(00:47):
I'm going to actually thank you very much, so thank
you for supporting me and being there. You, Linda, Angelo, Yandy,
Miss Diddy, all of you who were there, Um, you know, IRV,
just everybody who came together. You did you did my
little bullhorn, but everybody came together to support making sure

(01:11):
that moment was done properly. Lad Um was there, Me,
me, me me, I mean so many people were there to
deal with all my emotions because I definitely was emotional.
I did everything from yell to cry to sleep to
practice a million times. Uh, And I realized how hard
it is. I mean, what you guys do as artists

(01:33):
and entertainers is very different from a person like me
who when I'm speaking, you know, I pretty much know
I have a framework of what I need to say,
but since I've been doing it for so long, I
just kind of take what I know, put it in
my home words, and I just go. But in this
particular situation, I had to say the same thing each time.

(01:55):
And the amazing for team of Robinson, who I did
not know. I didn't know Fatima Um. You know, I
had heard that there was this incredible black woman who
was in the space of choreography and creative development. I
had heard about her, but I never had the opportunity
to work with her. And we got the opportunity to

(02:17):
see what she's got. Amazing and she's dope, and I think,
I think the way that she just embraces you right,
she makes you just feel so comfortable. She doesn't make
you feel like she's worked with the biggest artists in
the world like I've heard she's worked with right now,
she actually produced was the creative director for Rock the
book The Baddest Videos Ever. So when you when you

(02:39):
meet her, right, she's so she didn't treat you like
he was supposed to know, Like, you know, she she
was warm, she was like very humility. I mean, she
has so much. He was like, I can't. She like
you got it's fine everything. And then she came to
and she talked nice and she came to me or
you were right, like the way that she just does.
She's just such a professional. And she was not the

(03:00):
creative director just for Little Baby's performance. She was the
creative director for much of what we saw. Um in
the entire Grammy show. Now you know, I recognize and
also shout out to our sister Felicia Butterfield Jones, who
is the chief Diversity officer at the Grammys. Um, it
looks like the Grammys are they're trying to make changes.

(03:23):
Army Mason who is now running. Uh he's a black
man who is over the Grammys. Um, you know, it
looks like they're trying to turn the tide. But they're
still kings, and they're serious kings. Like you know, there
were an even Little Baby in the song that I
was a part of the bigger picture that should have
been nominated, And it seems that many people felt like

(03:46):
they should have been in different categories. I said, you know,
I'm everything black, We're everything black, so I think the
whole show should be black. But that's, you know, a
whole different conversation. UM. And I think for me, I'm
probably a little jaded because beyond Say and Meg, the
stallion for me is like, whoa, that's amazing and yeah

(04:06):
they I mean they Meg cleaned up and broke the
record and she looked amazing and Jay, her husband, was
there holding her down. They now have I think over
fifty Grammys in their household, including Blue Ivy. They're amazing, incredible.
But you know that Beyonce won her Grammy that night
for Black Parade, which I'm also in, so you know

(04:31):
night and all the folks who are like, you know,
why why why? You know? I think that it's important
for us to use some of these major opportunities to
continue to spread awareness. I know that I understand white
institutions and how we don't need them, right. We have

(04:54):
our own platforms. We have the b ET Awards, which
by the way, bt is owned by white institution as well,
which is io UM and so all of these and
we should be developing spaces where we're able to honor
our own people with large numbers, and I'm sure, and
that's something that Puff has been talking about. It's something

(05:14):
that he's trying to create with Revolt. And there's a
number of people. I mean, you look at News One,
you look at the Image Awards, which I've also been
nominated for one of the categories, they're gonna hate you.
I was going to turn into a whole another thing
because people hate to see you winning, like if you

(05:35):
was losing. Oh my god. I was going to post
that today, but I didn't have a chance to actually
post the video. But there was a young woman and
she's someone that I can't I mean, everyone someone, but
she's a person that, um I think she's she's well
known and I just I can't remember her name at
this moment. But she does this whole video where she

(05:56):
talks about how people will be with you when you down,
but when God starts blessing you, some of the people
that you expect will leave your side and they can't
deal with it. It's why are you doing good? You
ain't got no job. You're doing good. You are here eating,
you are here flying around the world. You don't have

(06:16):
You'll have no job what do you what do you
do here? Fail rapper? That's that's the that's the thing.
You're a fail rapper. What you're doing flying around and
joint flying around places. But it's interesting that people say
you're a failed rapper, right, It's like it's like who
gets to determine failure? Right? Because in my opinion, what

(06:39):
some people may see as failure is God's opportunity to
elevate you and put you in the place where he
actually feels your voice. It's best utilized for his calling. Right.
So for me, you have used your entertainment, your artistry,
your raptivism, your skill and and and by the way, anyway,

(07:03):
I'll get to that later. But you have used those skills.
I've seen you use them in detention centers. I've seen
you use them helping to get young people to be
more creative and to be able to express themselves outside
of anger, violence or what have you. You You helped them
put together um music. You've helped them to write lyrics
that really is is an opportunity for them to pour

(07:25):
out onto the page some of the pain that they
are dealing with. Um. You have helped me also to
be able to fit in these spaces like the song
that I did Mercy with Anthony Hamilton, and other other
things that I've been involved in. You've helped me to
be able to do that. You helped me um on
on t I's album. I mean, there's so many things

(07:46):
that we've done together, and you've also of course created
your own music that I see people writing to you,
young people and other men and women saying that your
artistry has helped to change their lives. Of course, we
can't forget the great, amazing historic freestyle that you did

(08:06):
UM with funk Master de Flex on Hot nineties seven,
which wasn't It wasn't just a freestyle, It was a
history lesson. It was teaching that you were doing right.
But I think the reason why you had to go
to prison for seven years, why you had to sort
of be redirected, is because you were not necessarily on

(08:27):
the path that God has chosen for you. He wanted
you to develop the skills I believe right, I believe
the skill set was important, but the skill set was
supposed to be used for spoken word that would actually
move the hearts and minds of the people. UM from
a from a political engagement perspective and so when people

(08:48):
say you're a failed rapper, I don't necessarily understand how
they get to determine failure when it's very clear to
me that what you are actually doing in your personal
life has really taken you to the place where you
are in your calling. You're walking in your calling, and
I appreciate that. You know, that's that's dope that you

(09:09):
feel that way, And for me, I feel the same way.
You know, I never thought I failed that anything. You know,
I went to prison, and you know, unfortunately my career
was cut as an entertainer, but failed wrapper. Like I've said,
some of the dopest bars in the world. I got
people who compared me to to my idols, you know.
I got people that hit me and tell me like

(09:31):
you wasn't in continues in Kentucky last week and this
guy stopped us in the middle of a real conversation
and was like, YO, listen to me. I'm listening to
wrap my whole life. I know everything this and that.
Listen to me, You're the best rap I've never heard
nothing like this, you know, And that's what it is
for me. Like when you say something that moves people
to to that point to where they that enthused and

(09:51):
like your your your rap changed my life. I have
young kids come to me and say, what you said
on funk Flex changed my whole life in perspective on
how I live. So, I mean, everybody has perspective winning
and losing. This in the eye of the behold it
so to me, I've been successful and I'm and I'm
actually able to still make my music and deliver it
in a manner in which it actually changes lives, you know,

(10:15):
and and it goes it goes according with my purpose.
So you know, I'm happy. And and we want to
use our gifts. You know, they say that your gifts
will make room for you. And then and there are
so many people who question wise to make an these positions. Listen,
Number one, favor ain't fair. I don't know why, right

(10:35):
if if if you, if you look back on my life,
a little girl who grew up in the projects, in
a place where crack cocaine was destroying our community, right
where I had to step over urine and walk upstairs
sometime because walk up twelve flights and stairs to our
our clean but little project compartment. Um, you know, with

(11:00):
with with all that happened, the dope fiends and um,
the violence, all the things that happened. If you look
at that story and think about where I am today
and then all that's happened in between, you one wouldn't
believe that I would have made it here. There could
only be God on our side. And my faith is

(11:25):
very important to me. It leads me in everything that
I do, and so I'm not supposed to be here.
You're right, why me? But the question that I think
we're challenged with in my pastor W. Franklin Richardson always
says why not you? That's the question because they say
God can take a crooked stick and hit a straight lick,
which means that he can take any circumstance, any situation,

(11:50):
and and and yeah, he can take any situation. I
think that's something that the old folks came over with
any situation and use it for good. So that's one.
But it made me think, because you know, I have
to think every week, I'll be thinking not um. And
this has been a week of deep reflection. I believe

(12:11):
that with every challenge, with everything we go through, even
if we know that what is being said about us
or um, you know, whatever attacks were up against even
if we know that they're not true, it's happening for
a reason that calls you to re evaluate and to
sit with self. So a lot of people wanted to

(12:32):
know why I wasn't speaking for days. I had friends,
I had everybody calling me like, you know, this is
not true, like go like this one we got Like
in other situations, we have to sit and try to
figure out how we're gonna maneuver because you know, it's
a little difficult. Um you know, what do we say.
I don't want to hurt anybody's feelings. I don't want

(12:54):
to attack anyone in this situation. It really wasn't that.
Because I can defend myself on the accusations that were
thrown at me this in this last week. I could
defend it like this without a problem. But it was
a cause for reflection, especially when it's coming from a mother.

(13:14):
And I sat with myself, and it doesn't mean that
reflecting is that the determination at the end is that
you're wrong. The determination that I came to within myself
is actually that I'm doing exactly what I'm supposed to
be doing. Now, whether or not we can make adjustments
to address some of the issues that we hear that

(13:36):
is what you do in life. But I know that
I'm doing exactly what I'm supposed to be doing, so
I feel good about that. But my thought of the day,
because the same conversation has come up in other cities,
has come up in Louisville. Uh, you know, shout out
to our Louisville family, our occupied the family. There are
so many people in Louisville who love, respect and honor us,

(13:59):
and we honor them. We work together. But there are
some who don't like the fact that we were there,
or they don't necessarily like the way that we move,
the way we operate, the way we organize. And one
of the bigger things, one of the biggest things has
come up is this question around us bringing cameras. Why
or or us us being there for the cameras, and

(14:21):
it actually upsets some people, which I I and I
want to say because you know, when people hear you
talking about things and they know you're talking about conversations
you had with them, then they're like, wait a minute,
don't you know that what're trying to say? I want
to be clear that I respect how people can say
sometimes you or me, Linda, you or I can say

(14:42):
things in a way that feels offensive, right, So that's
one part. But the fundamental issue around cameras is that,
especially with the matter of Brianna Taylor, until we showed up,
there were no cameras. They're literally were no cameras. And
that's I say that there was definitely the work that

(15:03):
was work. There was work. There were people who were organizing,
There were people who were on the ground. They were
they were calling Brianna's name. And by the way, the
main people out there doing that organizing um it was
her family, her aunt Bianca Austin was leading the charge
to get justice for Brianna, and there were other organizers

(15:26):
who were out there and doing the work. But we
when we showed up, we brought cameras with us. Each
and every time we helped to elevate a little bit,
a little bit, a little bit. We would not have
been able to bring the type of spotlight that we
did on the city if it had not been for
people that are out there every single day. Aaron Jordan's
two k R I P to Travis um Sea says

(15:49):
Shamika Paris, Joscelyn Uh, Reverend Finley uh Sadique were Reynolds,
Um and just the names go on and on for
those people who have been out there on the ground,
Hannah Drake and Qatar Haran Uh there're so many, right,
big baby, and and and and and Karen right kJ

(16:11):
there are so many who have been out there. So
once once the cameras came, they don't have anything to
pick up. They don't have footage if they don't got
people that's doing work, So you don't take anything away
from that. But we bought the cameras with us. So
my thought of the day is do people feel like
we should keep the movement quiet and to ourselves? Like

(16:32):
when when when a Brianna Taylor's situation happens, should we
just walk around in circles and just keep it quiet
and only keep it or are we looking for the
world to know what's happening. That's and I have a
two part question for my thoughts of the day. The
second thing is we keep saying that people are not

(16:53):
involved in the movement, and we feel everybody should be
doing their part. So when we look at people like
poor should Well Williams and uh Yandy Smith, Harris and
now men d C's had traveled with us this particular
time for the one year anniversary, UM Young Jock was
with us, carly Red was with us. When people say, well,
these folks are not doing anything, they're not involved in

(17:15):
the work, and yet they have major platforms and they
bring their platforms to a place and helped the spotlight
spotlight an issue. Do we want to turn them away?
And if we? And if we and when we turn
them away? Can we? And I'm starting to see this
as my own profile has evolved. I'm beginning to see
how some people are sitting in their homes, celebrities and

(17:38):
otherwise who actually have the ability to make the type
of noise and bring me awareness we need, but they
are afraid to do so because they've watched other people
be slammed for getting involved. So what are we doing?
You know? And I say that all the time. It's
like it's like heaven when you are artists and you're
up and coming artists, right and you can wrap you dope.

(18:01):
But Drake's wants to get on the song. Right. You
don't tell Drake now you don't get on my this
is my song. No, you want Drake to get on
the song because you know it's gonna get played on
every radio station. You know, this is why you get
the feature. You know what I'm saying. So, what happens
when you have a protest and you have a movement
in your town and you have national people come to
bring the light to you. It gives you an opportunity

(18:23):
to be seen. So I think what happens is a
lot of people, you know, a lot of people, and
some people have you know, legitimate rights, but there are
other people who feel like they're not doing enough work
to be seen right then, because if you're doing the work,
nobody can't stop you from shining. Like when we think
about you know, homes Up, you know Travis a K. Travis,

(18:44):
Travis was gonna shine right because he was out there
doing the work. When you think about brothers like two K,
when you think about c Tax, he he not mad
that you come. They embrace you. You know why because
they really do this work and when you stand next
to them, only thing that's gonna happen is gonna give
the world an opportunity to see them. Now, his video
is going, you know, he's gonna have probably be on television,

(19:06):
like he understands. And that was a platform because he
took advantage of the space too. K took advantage, you know.
You know, so people have taken advantage to other people
who don't take advantage of that moment. They mad at you,
don't be I've given you you. If you're telling me
that you're just big leader and you're just organizing all that,
and I bring cameras to see you, then they see

(19:29):
what you're seeing. Like now, Shamika is running for mayor.
Reverend Ton Finley is running for mayor. So they're trying
to do real things, you know, right, and we and
we support that. And there are others. There are a
lot of people, you know, folks feeding people, brothers two x,
a whole lot of work that's happening. But I do

(19:50):
understand the issue of people feeling like their voices are
drowned out once these big machines come in. It's almost
like a form of gentrification right where everybody. I don't
agree with that. No, No, I'm saying that's how they feel.
I'm not saying that. I'm not I don't agree. I'm
saying that that's how they feel. They feel like people
are coming in and it it's like it takes up
so much space and they can't get their voices out there.

(20:12):
And this is not in reference to Kentucky, but I
saw someone say the other day, we're upset with people
who bring attention to a cause, but yet when those
people are quiet, it's all it's dead. Nothing is really exactly,
So it's I think it's that that's self reflection. Yeah,
it is, because if we bring attention to the cause,

(20:33):
and you've been at the cause, and we give you
the opportunity to highlight it and take the attention we
bring someone else and you don't do it, then you
have to blame yourself. You have to look and say,
you know what, I I don't have the ability to
carry this by myself. You know I can. I'm part
of this moment. I want to fight, But you just
gotta understand. It's like me being mad at you when
we get on the stage and you have a speech

(20:54):
and people don't don't hear what I say or don't
take the clip from what I say. No, I have
to admit Tamica is a better speaker to me. Tamka
is I our leader. I don't have a problem playing
a role. So when you understand your role in the situation,
then I think people get less, you know, they have
less of an issue with it. You just have to
understand that some people are ordign to do certain things.
You might you might have all the hard you might

(21:16):
have all of the resource, you might have all the knowledge,
but you might not be the person that can bring likes.
I said that all the time, like you know, and
and we have this conversation. I believe that Brittany Packnett
cunning Ham is brilliant, right. I believe that Amanda Seals
is brilliant. I believe that Angela right, it's brilliant. These

(21:37):
are brilliant women. And the list goes on. When I
watched them, I'm in awe of how they speak. I
watched their cadence. I watched I used to watch my X,
my old boss, not X boss. I hate that old
boss do the same thing. He would watch Reverend Jackson,
Martin Luther King and others and their speeches and pick

(21:58):
up cadence and study his craft so that when he
stepped to the microphone he could do in his own way,
but he had his own flavor. And I do the
same with these women. I look at them, and I
watched them. I'm not envious of them. I'm not angry
with them. They know I post them on my page.
I text them and say, listen, that was amazing. You know,
you guys are saying such great things, and you know,

(22:19):
and and and we all try to support one another.
But it's always the people who don't necessarily feel like
they either look like I look, or speak like I
speak or or and and by the way, I'm still
working on on perfecting my craft, um, or you know
something about me? That's always they have. They have so

(22:39):
much to say. Yet there are so many younger people
and other people who are trying to do the same
thing I'm doing. They admire these things about me, and
they're working on their craft. Those individuals I never have
problems with. In fact, when I hear from them, they're like, yo,
like that was fired. What can I do? How? How

(23:00):
did you? Matter of fact? Um? Aaron Jordan's asked me
the other day to give him the paper that my
speech was on. He was like, I give I need
give me that, Like, can I take it? Because I
need to study the different points here. That's powerful Instead
and and by the way, there have been moments when
Aaron has said, yo, y'all left us and I ain't

(23:20):
heard from you in weeks, and we've been going through
things and I need to talk to you, and and
and and we've had to have conversations, you know. Two
K is always challenging me. Oh my god. All a
lot of people. I mean, I've heard from everybody. And
it's not just again in Kentucky, it's across the country.
Once you work in communities, you're gonna hear from people.
I'm just still trying to figure out one. And maybe

(23:42):
we you know, we've answered it or we haven't. Like,
like my last point on this is important. Dr King
received the Nobel Peace Prize. Now leading up to him
receiving that honor, high honor, and even today the Nobel
He's institution has been um exclusionary to black folks to

(24:06):
some degree, right, it has not been a place that
black folks have been honored and represented in the ways
in which we should. However, Dr King still stood there
and accepted the the the award so that he could
carry the message. Right, So we understand that every platform
we go on that it's not going to be the best.

(24:27):
It's not always it's not going to be the best,
and especially when you're dealing with white institutions. But really,
what I think people should be paying attention to is
what's being stated. And in that particular forum of the
Grammys particularly, we were able to stand there and say,
President Biden, these are the things that we demand from you. Now.

(24:47):
If I had the time, we would have broke down
this and that and got into all the day. But
it was a few bars right that I have to
say something that also kind of rhymes with the music
and fits into the song. So it's and I'm not
I'm still learning, so I'm not the percent the best
at it. But we took the opportunity to talk about
the four hundred year history and bring it all the

(25:09):
way to the idea that this is not a trend
and we need not allies but accomplices and and hopefully
there are many people who seem like they're satisfied with it.
With love and hip hop and the cameras that we
continue to bring to Kentucky, this is another form that yes,
I challenge. I've challenged Mona, I've challenged yan Dy, I've
challenged Viacom, I've challenged their love and hip hop brand

(25:32):
right the I've challenged them all about some of the
behavior that we see on the show and the storyline.
But what has happened is that because the world changed,
people need to understand things have changed. We're not in
the same place that we were in. Things have changed.
People are paying attention. I don't know how long it's
gonna last, but they're paying attention right now. So while

(25:54):
the doors open, we are using the opportunities to bring
the message. And so yes, you will see us on
love and Hip Hop. You're gonna see me and another
thing that's coming up that people really really gonna be
mad about. You will see the Grammys. You're gonna see
us doing all these things while the doors open. And
while we're doing that, we will also be building our
own spaces so that we don't have to return to

(26:17):
institutions that they don't actually appreci us. The gold Man.
The goal is for us to make sure that people
that don't want to hear us hear us, because if
we keep talking to the people that want to hear us,
we're preaching to the question. Absolutely, So just keep doing
what you're doing, because we're gonna keep doing We're doing
every space that they allow us in that we take
space a matter of fact, they don't allow us, and

(26:37):
we're taking space. And every time we get in those spaces,
were bringing the same message. It's still women's history. Mom. Wow, man,
we're you know, AND's history. Women's history is black history,
make no mistake about it. Well, when we think about
people like for Team of Robinson, it is. And when

(26:59):
we think about people like cat Rigg, who sits on
the other side of the camera every single week I
Woman TV. This is actually a labor of love. That's
the other thing. People really think that we just make
all this money and that I'm like, yo, you know,
you know, and I hope that one day they're right.

(27:20):
I hope one day they're right. Right right now, we
have to have six, seven, eight different things going on
in order to be able to survive and to thrive
and to live the lives that we want to live
for our children, for our families. And I want to
say publicly that I Woman TV has been not silent partner,

(27:40):
but in some ways a silent partner of street politicians.
From the beginning, when we didn't have a podcast deal
with Charlemagne's Black Effect and and you know, I I
Heart Radio, we did not have that and still to
this day, Cat Trigg and I Woman TV has not
received one dime and yet we have one to three

(28:02):
four cameras, we have lights, we have space. We have space.
That's what it's called, man, It's called family, is called
building this belief. You know, you can't get anything that
you don't put anything into, you know. So you know,
I love Cat Trig. I love our Women TV for
the investment that they made in us. And you know,
God willing, the investment will pay, yes, yes, promising So Women,

(28:26):
because we're the number one, we're gonna be the number
one podcast. We are the number we're number one already
in past, number number one, number one. Before we go
to the next segment and have our special guests joint,
we're gonna take a quick break for our sponsors. We're
talking with our first guest. Yes, I've been a guest

(28:52):
on his show, you know, Earn Your Leisure. He's dope
each from the error hip hop culture and he makes
finances fun. You know, he makes it relatable to the
hip hop financial literacy. Right. He's teaching people, Yes, he's
teaching people. He's learning. He has a of course on it.
You know, actually seeing him on the Breakfast club, and
I was probably see him because they had interviewed me

(29:14):
months ago, you know, so watching their platform grow. They
have the number one podcasts on financial literacy. Financial literacy.
We know we need that. I mean, we were just
talking about they think we got I'm trying to get there.
Definitely don't. But we should for all the work that
we do, we absolutely should, and so should the rest

(29:34):
of us. I mean this whole issue with UM, you know,
and a lot of times that's that's what a lot
of the bickering and fighting is about the fact that
people are are just trying to make ends me and broke. Yeah,
it's a lot of that. So Rashad but loud. We're
about to talk to him. Earn your leisure. What's going
on with King Peace? King Peace, King Peace, quaint. Thank

(29:56):
you for having me. I appreciate his honor. It's good
to have you year. UM. This is the topic of
it was the topic of the election, right like. It
came down to a lot of people talking about economic
empowerment and UM. We all made a lot of commitments
that as soon as we could get through stabilizing, if

(30:17):
you will, UM, the nation, the next thing we needed
to really seriously focus on of course, you know there's policy,
there's still criminal justice issues, but we wanted to definitely
focus on economic development in our communities. And I think
what we're um, you know, attempting to do. We have
a small business segment that we are, we have integrated

(30:39):
into the street politicians brand um and also speaking with
individuals like yourself who is keenly aware and teaching, educating
people on financial literacy. That's so important. No, I appreciate that,
and yeah, financial literacy is invoked right now. It's it's
it's I don't want to call it the wave because
that makes it seem like it's a trend. It's encouraging

(31:01):
to see so many people like we just interviewed Jim Jones, UM.
I don't know when it's to come out, but we
ain't even announced that. Yeah, so that's exclusive. But to
him me, somebody who you know, I personally grew up
on his music, talk about n f t S, cryptocurrency,
you know, investing, starting companies and like to have that
business conversation with somebody that a lot of people might not.

(31:22):
I think, you know, we'll be able to speak on
that level, which is dope for us so it's it's
really really dope, um to see so many people like
engaged in financial literacy. Now we have to take the
next steps and actually implementing these things. We talk about politics,
we can't talk about politics without talking about economic empowerment
and finances. They go hand in hand. And um, just

(31:42):
like Dr Claude Anderson says um elegantly in his book, UM,
you know, when you have enough resources, then you can
really have politicians do whatever you want. But unfortunately, in
our community, for the vast majority of time, for all
of time, we've never had any resources. So we're always
you know, we're protesting, we're asking, which that's part of

(32:03):
the process, but we're not demanding anything. You look at
other communities in the position to demand things because it's like, okay,
if you don't give this to us, then we're not
gonna fund your campaign. We're gonna take a billion dollars
away from you. We're gonna defund this this organization or whatever.
And with that comes the threat of losing you know,
their seat, and they do what they want to do.

(32:24):
So that's something that you know, it's bigger than just
you know, getting a bag, and that's part of it,
you know, taking care of yourself, taking care of your family,
that's obviously that's the most important thing. But outside of
that now becomes taking care of the community and building
a nation, and we have to have economic empowerment to
do that. So, you know, I've been thinking about that
a lot. You know, you brought up a good point

(32:45):
about our communities not having the economics and not being
able to demand anything, you know, and I've been sitting
around saying, you know, I want to organize, I want
to go to projects, I want to go to the
marginalized communities. What would be the steps that you think
we would need to take to sit down and organize
them to start moving towards economic empowerment. Um, I think

(33:07):
it starts with education. Young, It all starts with education,
It all start, and that's that's what our platform is
built on. Just education. So we have to implement financial
literacy early on two children. So whether that's in school,
whether that's in after school programs, whether that's you know,
community based organizations. But the earlier we learned, you gotta realize,
you know, you haven't start when you're young. So it's

(33:29):
like when you're thirty years old, it's kind of hard
to just become a vegan all of a sudden. You can,
if you've been eating fried chicken and pork chops your
whole life, you can, But most of the time, your
habits will dictate the rest of your life. From the
ages of five to fifteen, has been proven. So this
is the same economically as well. So if you think
about it, you know, as soon as we get money,

(33:51):
when we're ten years old, twelve years or whatever, the
first thing we do is, byped Jordan's, the first thing
we do is buy a fitting hat. The first thing
we do is spend money. So those same habits that
we then developed as preteens early teenagers carry with us forever.
And you know, we're creatures of habit, so it's hard
to break that habit when you're twenty five, when you're thirty,
when you're forty, when you're fifty. So if we can

(34:12):
teach kids early on the importance of savings, the importance
of investing, how real estate works, how stocks works, now
they already have a mind frame where, even if they're
not in a position to actually implement these things, it's
already kind of embedded in them. So now they'll have
a different way of thinking when they actually are twenty
five thirty years old. So that's part of it. And
then also we have to educate the adults as well,

(34:36):
because a parent can't teach a child what they don't know.
So going back to nutrition, it's like a child that's
ten years old nine times that ten isn't just gonna
choose to be vegan if their parents are eating all
kinds of junk food, it's not gonna happen. They're gonna
eat whatever their parents eat. So the same thing is

(34:57):
true with financial literacy and investing. So once parents actually
learned to do better, now that's a trickle down effect
on the community. So I mean, I think it starts
at home. I think all things starts at home, but
I think financial literacy, financial empowerment definitely starts at home.
And I learned that early on. You know, I had
a different experience. I went to a public school up

(35:17):
into eleventh grade, I played basketball, and then I went
to private school. I went to one of the most
lead private schools in the country. And when I went
to private school, that was my first time experiencing people
were really wealth and I was, you know, my white
counterparts that I was in school with and their parents
was teaching them about real estate stocks. Their way knew
these things. They knew this because it was in their

(35:38):
family conversation, where coming from a working class environment, you know,
my friends wasn't we wasn't having that conversation with their family.
They were just trying to just you know, figure out
what the next mail was. So I saw that early on,
and that let me know that the household is extremely
important and we have to literally take back that conversation

(36:02):
and rework it. And it also the influence that we
have in music. So my son as a musician, your
your your your comrades and music, which I'm glad I'm
starting to see that with Meek Mill tweeting about cryptocurrency,
Rick Roys talking about even you know, obviously nip R
I P that's all he talked about a lot of
things he talked about with economic empowerment, But that is

(36:24):
helping the financial literacy movement right now because it's being
championed by the rappers. And you know, rap has a
strong influence in our in our culture. So once rappers
start to say something that's cool, now, it's not like
blowing money fast was you know, eight years ago. Now
it's about you know, I'm gonna invest, I'm gonna buy Wingstop,
so I'm gonna do these things. So it's it's it's
a multiple of different things. What would you say the

(36:46):
first step is, so if I have a you know,
in my family, I have a five year old up
to fifteen, as you said, and I'm a mother or
you know, father parent who does not really have a
lot to financial literacy, we don't have the education um
to get started. What would you say is the first
thing people need to do. The first thing you need

(37:09):
to do is educate yourself. And today, fortunately I don't
think education is an excuse anymore. If you're not educated,
it's because you're making a decision not to educate yourself. Obviously,
I'm biased because we have an educational platform with over
hundreds of videos on YouTube for free, podcast for free,
Instagram for free. But we're not the only platform. There's

(37:31):
literally millions. You can find anything you want to find online.
So the first thing I would do is to pick
a specific area, like okay, start with stocks, and you
can literally just google stocks one o one. But should
we be at stocks before just learning how to save
just learning what to do with your own cash that
comes into hand. Yeah, I mean that's yeah. So there's

(37:53):
there's basic level that you should know, and yeah, you
should know how to save money first, you should know
how to pay off debt, you should know how to budget.
But these are also things that you know are free
that on YouTube for free. I mean it's like one
of these things where you know, previously information was hitting
or it was hard to find. The powerful thing with

(38:14):
social media and and Google and YouTube is that anything
that you want to find in the history of the
world is available for you. But with that, there's a
lot of nonsense that's available as well. So you can
spend your whole day just you know, on trending topics
and you know, who got pregnant? On love and hip hop,
or you can spend your day educating yourself for free.
So the first thing I would do is invest in

(38:35):
my education, you know, hour day and a a half an
hour day and then you can learn. So what what
made you start on your allegion? Like what made you
start the podcast? It's funny because it's it Actually one
of the reasons it started was the Bronx I know
that's for you from mice M. So my partner, Troy
was was a school teacher in the Bronx and I

(38:56):
was a financial advisor. I had just started my financial
advising career. He had just started teaching middle school in
the Bronx, so he asked me to come. It was
like a career day. He asked me to come speak
to his kids. And at the time, I was kind
of hesitant because I had hated school my whole life
and I never wanted to go back to school. I

(39:17):
just get like anxiety attacks anytime I go over to school.
Was just like it's nerve racking for me. But um,
you know, I did it, and I actually enjoyed it.
I enjoyed the experience and um, the kids was a
lot more receptive than I thought that they might be.
That led to a six week program that we started,
UM where we took kids that was like too old

(39:38):
to go to camp but too young to work, so
like ninth tenth grade, and we had job in termships
for them and they did college tours. But part of
that I came in every week for for six weeks
and I taught financial literacy. A good friend of mine
that we grew up Valencia Clay. She's a school teacher
in that that's our family. So um. She inspired me

(40:02):
to really because she was putting clips of her classroom
on social media and that was dope to me because
I had never really saw anybody do that. So I
kind of copy what she did with the financial literacy.
So I was teaching the kids about stocks and you know,
all kinds of different stuff. I would tape it and
then put it on Instagram, and then that like became
like a thing within itself. And then from there, you know,

(40:24):
I just did like a bunch of like public access
shows anybody that would ask me to come on, come on,
just talking about financial literacy. But I was doing it
in a different way because we was doing it like
the backstories of sports entertainment, and it was just a
little bit more you know, fun than just the average
financial literacy conversation. That led to people accent you know me,
if I had a podcast. They wanted me to have

(40:44):
a podcast. So I hit Troy, like, you know, you
want to start a podcast. He's like yeah. I'm like
you wanna be my partner? He's like yeah, And then
the rest is history. And I guess for me, I
feel like and I kind of have asked you this already,
but I'm just thinking that trying to figure out to
get some money, so she'd actually real question. I've got
a little bit of change. I'm trying to invest. What

(41:06):
to do? Yeah, because I'm a jug to do that, man,
because i know you know about these stocks and I've
been really wanting to get into that. You know, I
want to invest. No, no, no, please, it's okay, I
jumped in. I have been doing um, you know, I
have been doing some investing. I picked a few different stocks,

(41:26):
and you know, I've been listening to a few of
the people who I respect online nineteen Keys and others
who have been talking about, you know, different things that
we should invest in. And so I've done that, but
I feel like it's still, to your point, a need
for me to sit and look at the videos and
really get a deeper understanding because one of the things

(41:47):
that I also understand, as I could go right now
and say to the Biden administration, we need you know,
a trillion dollars, doesn't matter you say the number, but
when that money trick goes down to our communities, what
we do with it is so important. And I feel
like in this moment, people don't necessarily know where to

(42:08):
even place their money. So I want to give folks
ten things of five things if that's what you have
that you know are very specific that you feel like
black folks particularly need to be doing in this moment,
you talked about the cryptocurrency PS. What are you know
if if you're somebody who has a hundred thousand dollars

(42:29):
sitting in your bank account, what do you suggest happen
with that? Give us five, five to ten strong things. Yeah,
I'm gonna give you. I'm gonna give you some actionable
items because that's what our platform is built on, actionable items.
But before I give you actionable items, I just want
to drill down on this education piece because, like you
said something that was very um pointing. You said you

(42:50):
listen to that's all, brom, But a lot of people
are educating themselves or sixty not to say you, but
a lot of people are educating themselves of sixty second
Instagram clips. That's not the best way to go about
if you think about it, Like, we go to school
our whole entire life. We sit in classroom for eight
hours a day. Like you know, if you want to
be a doctor, you gotta study for eight years. So

(43:11):
I'm not saying that you have to devote that much
time to learning, but you have to be willing to
invest in yourself. It's the same thing we're working out,
Like I can't expect to be a world class athlete
if I'm only working out five minutes a day. But
people do that with financial literacy. They do that with
investments all the time, and just invest in things like
just because somebody told them like this is a good investment.
That's when you want to get hurt um. Investing is

(43:35):
a game of knowledge. Gambling is a game of chance.
But you merge the two when you start to invest
based off of gambling. So that's something that's extremely important
and I want people to this. This is not to
get rich quick thing. This is something that if you're
interested in business, you have to dedicate the time now
to your question, work on developing a savings I don't

(43:57):
I don't suggest anybody start investing until they have a
say so what I what I suggest is that you
have three months and minimum. Like, if you're whatever your
monthly expenses, all you want to have three months minimum
in the savings account. Because you never know what could happen,
and you have to be prepared for anything. Um that's
like the minimum recommended is actually six months, and in
the best perfect case scenario, you want to have twelve

(44:19):
months of savings and the savings account rainy day, that's
just you never touch it, that's just online savings. Leave
it there now. Once you're able to do that, of course,
you want to work on keeping your credit card debt
as low as possible. Credit Card debt is crippling not
only black and brown communities the whole entire country, but

(44:40):
especially black and black community because we are affected by
everything more than anybody else. Credit Card debt is extremely
dangerous because it has no end date. It's like predatory Lindon.
If you think about somebody's interest rates, like that's like
a loan shark. So live below your means. There. There

(45:01):
are a lot of things that we have to We
have to have these conversations too, because, like I said,
I'm gonna get to the investment part, but we have
to take responsibility if we are going to Miami and
we can't afford it and we put it on a
credit card just because of financial peer pressure. Financial peer
pressure is a big thing. Meaning like if all of
your friends is going on the trip and you're the
one friend that doesn't have it, but you're gonna put
on the credit card just because you don't want to
be the one friend that's missing out. You're doing something

(45:23):
that's irresponsible when you're gonna hurt yourself and you have
to learn to live in your means and stay in
your lane. Now, going to the investment side, if you
have never invested in the stock market ever, um, a
good way to start is what's called the index fund.
So index fund is is a microcosm of the market.
It makes it like so they have an SMP five hundred,
which is Standard and Poors five hundred, five hundred companies.

(45:44):
So whenever you hear the stock market is up and
the stock market is down, they're not talking about every
single stock on the stock market. That using what's called indexes.
So there's like three main indexes, the dal Jones, the
SMP five hundred, and the Russell two thousand. So you
can invest in the SMP five hundred, which is five
hundred companies, and it's from companies from all different sectors.
So it's like the auto industry, the airline industry tech um.

(46:08):
That is the easiest. That's probably the easiest way to
actually invest in the stock market. You're not picking and
choosing the stock beer that's one of the hardest things
that gives people's like, how do I know which stock
to buy? How do I know when to buy it?
So if you if you don't know that you can
invest in the S and P five hundred, Russells two
thousand you can invest in, then ask that and you
just put the money in and just let it and

(46:29):
just let it sit, and then put money in continuously
over the course of time as well. That's another thing
people think like you have to have a large sum
of money. One of the things that people are familiar
with it's a four one K plan because a lot
of people have it at their job. The good thing
with the four one K is that it forces you
to what's called dollar course average. That's when you're putting
money in consistently every single time you get paid, even
if it's a small amount. There's a thing called compounding interest,

(46:50):
So what over the course of time you'll build up money.
It's like a snowball effect. So if you put a
hundred dollars in every single pay check. That might not
seem like a lot of money, but you know, in
ten years, twenty years now you have a hundred thousand dollars.
Like it builds up over time, and then of course
if you could put more money and then you'll have
more money. So that's one way. Another way, um that
we you know, talk about investing in the stock market

(47:11):
is what's called e t F. So e t F
is similar to an index fund, but it's it's a
little bit more specific. E t F stands for exchange
traded fund, so at e t F covers one particular industry.
So like if you want if you want to invest
in like chip companies chips as far as like the
chips for computers, right, there's an e t F called

(47:33):
s MH so like in videos in their A m D,
these are the companies that actually make the chip processes
for the actual computers. Or like if you want to
invest in marijuana, right, like you might not know which
marijuana um company that you want to invest in, but
there's different ETFs like Yolo, right or m J is
another one as well where they have like let's say

(47:55):
twenty different marijuana companies inside of that e t F.
So the benefit with that is that it's a safer
play than just picking one stock. It's like having an
all star team, like you know what I mean, You're
not You're not just drafting one player. Like if Kyrie
has a bad year, but you got the Eastern Conference
All Star team, then you're still gonna be good because
you're balancing it out. So those those are two easy

(48:16):
ways for beginners to start investing in the stock market.
As far as I think, I gotta go back and
become a beginner again, I'm going back to the beginning.
Although actually the stocks that I chose are doing really
really well. Um, and so that's kind of good. Like
I can I can say that, Um, I don't know why.

(48:39):
I don't know how. I just know I heard people saying,
particularly that Airbnb was doing well, and I was like, okay,
and I jumped in and so now but now I
want to go back to the beginning. I wish that
we had time to sit with you and like we
really should have canceled everything on the show. Um, but
what we can do, I know, what I can commit
to doing is sharing more kind intent from earn your

(49:01):
leisure so that people get an opportunity to hear um
what you're talking about. I think that our movement, as
you said, UM, has to include this conversation. The time
is right, it's right, you know, my son. One of
the things that you and I debated, and we had
lots of debates on the road while we were getting
people to the polls during the most recent election to elections.

(49:25):
In fact, UM, black men are really ready to have
the conversation around sort of not separating from this system,
but just having control of our own. Now, black women
are the fastest growing UM entrepreneurs in the nation, and
so UM we all we always understood it was important

(49:46):
to have our own, but I think that the context
that black men are moving in is actually broader in
terms of us really being able to sustain ourselves. And
that's gonna have a lot to do with how we
spend our money, how we save our money, and how
we invest it. So I'm looking forward to being and
earned your leisure of subscribers and get membership and university program.

(50:10):
We're gonna we gotta sign up to that now. I
appreciate I appreciate you all, and thank you for for
spreading the good word and doing the the good work.
Most importantly, Um, you guys have been trailblazers and on
the ground and everybody notices what you have done, and UM,
we appreciate it because I think we all have a
different part to play in the movement, and um, what

(50:32):
you guys are doing is different from what we're doing.
But we look at what you're doing for inspiration and
we appreciate what you're doing. So keep up the great work.
Appreciate Thank you so much. Definitely gonna have you back
on man. Thanks for coming. Keep doing the work that
you're doing. Man, I'd love to see this the show
just blowing up and people paying attention man, because you've
got a lot to say. Man, so keep it up,

(50:52):
earn your leisure, Thank you, thank you, Thank you so
much for being with us. All right, man, that was
really informative. It wasn't enough time. I need to learn
everything these tips, man. We have to start really. I mean,
your kids are small enough that you could really start

(51:13):
working with them. What you already have said, you are, Um,
but the but like you're now, you have a grandson,
right and he's like a little button and it's like
starting there. You're a g pop. You know, I have
lots to say about that, because my dad's name and
for his grandchildren is Papa, and I'm like, what happens

(51:36):
to grandpa was regular grandpa? Grand We need grandpa's in
the world. Well, Gepoppop better be teaching his grand baby
some real financial literacy skills. And I think that what
below is what Richard excuse me is saying. It's so
important that it starts really really young, and it's just

(51:57):
something that we never had an opportunity need to learn,
and so we're trying to learn ourselves. Yeah, they didn't know.
I mean, first of all, most of our parents, especially
if they're sixty and better, they were raised by people
who were coming out of the enslavement era, like they
were raised by older people who were very close, very

(52:20):
close to being enslaved at least their parents, if not enslaved,
And so there is a there certainly is who the
hell was teaching. They wouldn't even let us learn how
to read, let alone financial literacy. So we're now this generation,
like I said, everything is changing, so that we got

(52:42):
to bring him back and others like him brings me
to something. I don't think you don't get that. I
don't get a lot of things. You know, I just
don't think. I think we just live in a world
that's very strange. Says things that just go through my mind,
you know, watching the news and the Asian communities in

(53:06):
morning right now in Atlanta, you know, when a white
man walked into establishment in open fire and I think
he killed about eight people people, six women, six women
in particularly, and you know, and they had a press

(53:27):
conference in which the sheriff gave a statement, and you know,
and he said that the young man was having a
bad day. Terrorist. This is what he said. He said,
the man was having a bad day and he got
fed up. This is what he said. He a person

(53:48):
like homegrown terrorist walks in. Because we already understand the
biggest threat to our society is white supremacy. That's that's
a known fact. But this share spoke life. He humanized
this terrorist like I've never heard anyone humanize before. He

(54:08):
said he was having a bad day, you know, and
he got he just got fed up. And when you
say things in that manner, that means that that's something
that you can identify. Because if I'm having a conversation
with you and I'm like, what he just was having
a bad day, you know, he just got fed up.
That means that I might have felt the same way
at the time, you know, I might have looked at
those same exact people and got fed up and had

(54:30):
a bad day, and we just need to chalk it
up to that. Well well, well, but but he does
feel that way because you know how people do. Soon
as you say something crazy, they go back with the
tapes and they roll back, especially in social media, and
pull up everything that they can find, what you know,
as a sidebar. That's what pisces me off about people

(54:51):
when they say things about us and they know it's
not there because would have brought it, you know, but
they but they don't. They can't find it. But anyway,
this particular sheriff, they found some type of T shirt
and slogan on his page where he was mocking the
coronavirus calling it China, which is something that they're the
white supremacist leader Donald Trump has said, of course that

(55:14):
was the title that he used for the coronavirus, and
it was spelled c h y dash n A. So
this was mockery that he was making and and of
of the Chinese people, right and Therefore, it makes perfect
sense that he would say that this young man, you know,
he was he was having a bad day. That's to them,

(55:37):
that's really literally what they think. But what I also
don't get if it's okay for me to be in
a little bit in your segments today is I posted
about it, right, And I usually I will either silence
my comments, especially like if I post something about the
trans community. I always turned my comments off because I

(56:01):
this is not it's not up for debate. I support
the trans community, period, that's my personal feeling. And if
if if when they have a holiday, or if someone
is killed or something tragic happens, or they asked me
to uplift something, I use my page to speak to
what I believe in. So sometimes I will turn the

(56:22):
comments off because I don't want the abuse. If you will,
because sometimes it's abusive. It happens to me, right like
even in this moment, I could go to certain pages
and people are just polling on. They don't care about humanity,
they don't care about people's feelings, so I will turn
the comments off. But in this particular situation, I didn't
turn my comments off after posting Nina Turners her her

(56:45):
comments and you know, calling for an into Asian hate. Um.
I didn't turn the comments or if I left them,
for two reasons. The first reason is because I didn't
want to silence black people, because black folks have a
very valid concern with the Asian community, so I didn't
want to do that. But the other thing is I
wanted people to read how vile it is in the

(57:08):
comments section as well. UM I wanted people to see
I'm not upset again with black folks who say aid
the Asian community has not overwhelmingly supported us in our movements.
They have not overwhelmingly been there for us. We feel
they've been missing and there has to be before you
can ask us to help you. We need help. We're

(57:29):
tired of helping everybody. We are tired of it. We
lead every movement for everyone, and meanwhile we still haven't
got justice for ourselves. I'm with that a thousand percent.
But then people started attacking me, and I want to
know why it's for you. It's okay to try to
tell me that I can't care about six women getting shot.

(57:50):
It's not okay. But it comes back to trumpa right,
It comes back to us understanding what we're dealing with.
You know, there's also been when they posted that, because
you know, when they posted time the first time I've
seen it on a lot of people's pagients. People. I've
seen a lot of people people DM me like, yo,
we need to mind our business, this and that. And

(58:11):
then they posted a picture of the Asian police officer
who stood right by watched at Shauvin you know, killed,
and they said, where was the Asians when this happened? Community?
Asian community when this happened. So even though my humanity

(58:33):
wants me to say, it's going to allow me and
make sure that I say that this is wrong and
I'm gonna speak up against it. But I understand people
have a concern, and sometimes that concerned fosters into a
level of trauma and and anger. You know, it comes
into anger. So when they see somebody that they believe
is one of the biggest black voices in this country

(58:55):
right now speaking on behalf of people that they don't
believe have spoken on their we have, they become angered
with you. They think that because a lot of them
said they think this is a time for you to say, hey,
we understand this and we don't like it. But y'all
need to show up, They said, to put that you're
angry about this happening, but not say that they need

(59:17):
to show up for us the same way that we are.
Our leaders are showing up for them. They feel like
that's your issue. But I think that there is a
time and place for everything. And on the night when
eight people and particularly six women have been shot to
death by the same person that would kill us, See,
that's the other thing. We have a common enemy, because

(59:40):
the enemy here is white supremacy and terrorism. That's what
we're dealing, homegrown terror, domestic terrorism. So on the night
that that happens, I don't feel and I will never
use it as an opportunity to chastise people who just
lost lives within their community. Now, as we begin to

(01:00:02):
have more conversations, and those conversations will happen because there
is the in Asian hate campaign and there's gonna be
panel discussions and and and people are going to be
bringing it up. At that point, I will find the
appropriate way to describe our pain. And by the way,
people should check out State of Emergency, my book that
is being released on May eleventh, because I deal with

(01:00:24):
the issues around the Asian community and other communities who
have not stepped up for black lives in the ways
that we should. And what I always say is that
if you don't deal with our issues, if you don't
deal with black people's issues, is coming to your community next.
And that's what we see, and that's what we see happening.
That's what happened in in in Georgia, is that the

(01:00:46):
issues that have been unaddressed by too many communities showed
up at a spa or at a massage parlor against
another community, which means that all of us are being
forced to have to look at one another and see
our our common causes. So I am very well versed
on what to say. I know what to say, but

(01:01:07):
I because of my humanity and my morality that you
will not change just because you are angry or you're traumatized.
I'm also so traumatized that I that my big mama,
my grandmama, my mama have taught me that you always
have to have humiliate humility for the slain. And that's

(01:01:27):
a fact, man. So once again we want to send
our condolencens to the aging community, to the families who
lost their loved ones, you know, and and we stand
in solidarity with you, you know, black people. We definitely
understand your sentiments. Right now. We need to be bending
together because, like she said, we have a common enemy
and that's white supremacy. And on that note, I want

(01:01:49):
to say thank you for tuning in. We appreciate the
love with the number one show because of y'all, you know,
for all the support speaking into existence. If you've got
something you want to hear on the show, let us know,
send in your applies. Tell us we ain't crap, tell
us be the best in the world. We take whatever. Listen,
hate is love misguideds so we're gonna take that also, man,

(01:02:11):
So let us know how you feel. As always, I'm
not gonna always be right. Tamika is not gonna always
be wrong, but we will both always be that's right. Peace, y'all,
Thanks for joining us to you next week. That's how
we owed it. That's how we owed it. That's how

(01:02:32):
we owed it. That's how we own. That's how we
owed it. That's how that's how we owned it. Welcome
in this like we own. That's how we owned it.