Replay* You Have a Fraud Alert

Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:03):
That's what's up.

Speaker 2 (00:06):
Family. It's your girl Tamika D.

Speaker 3 (00:07):
Mallory and it's your boy Mike Son, a general, and
we are.

Speaker 2 (00:11):
Your hosts of street politicians.

Speaker 3 (00:13):
The place place where the streets and politics meet.

Speaker 2 (00:17):
What's going on?

Speaker 3 (00:18):
Happy New Year, my son, Happy New Year, twenty twenty
two is upon us.

Speaker 1 (00:23):
I'm feeling great.

Speaker 3 (00:24):
I've already spoke this best number one podcast into existence.
We're gonna have so much money. We're gonna have so
much wealth. We're gonna have so much success, so much justice.
We're gonna get justice. We're gonna get everything we're looking
for in twenty twenty two.

Speaker 4 (00:39):
You know, we ended last year twenty twenty one with significant.

Speaker 2 (00:47):
A criminal justice wins. Right, that's not wins for our community.
You know, you got to cut the trolls.

Speaker 4 (00:55):
Can't wait what wins wins means they'll stop killing us.

Speaker 2 (00:59):
That's what we're fighting for. We ultimately want not to
be killed. But when we think about the steps that
it will take to get us to a place where
people know, if I shoot harm, violate the civil rights,
the human rights of a black, brown or any other person,

(01:21):
I'm going to have to face the system. And it's
possible that a jury and particularly juries with white women,
we got we gotta talk about it because the last
few juries have been full of white women that not
all white women, but many white women have been dominating
these juries. Have been finding police officers and other vigilantes responsible,

(01:47):
criminals responsible for the murder and the trauma and the
violations that they've caused on young black men and black
men in general.

Speaker 4 (01:58):
And I think that, you know, that's a good sign
for how we enter twenty twenty two. That we continue
to fight in the courts, but even outside of the courts,
there's a cultural fight that's ahead of us, and I
think we have a responsibility to stay.

Speaker 2 (02:15):
On the ground.

Speaker 4 (02:16):
In every one of the cases that we have one,
so to speak, there were movements that existed on the ground.
There were people involved, there were protests, there was awareness,
there was communities speaking out parents that work very closely
with some of our stellar civil rights attorneys so that

(02:39):
they could go and help to inform the district attorneys,
right because you know, it's always important for us to
make that separation. The district attorneys have been fighting the cases,
but they do at times listen to the feedback of
the family civil attorneys who are giving them strategy. These

(03:00):
things are happening, and I think that to your point,
we're gonna work this year to ensure that we continue
to get justice in those places, while it's a small
form of justice, but that we also set the precedent,
set the tone across this country that if you kill,
you harm, you brutalize, you violate our rights, that you

(03:23):
will be found guilty of a crime and have to
face actual jail time for you know, for your actions.

Speaker 1 (03:32):
It's right, you know, that's that's the always the goal.

Speaker 3 (03:34):
Like you said, it's not justice and totality, you know,
but there is periods and there are pieces of justice
that we need to add to the puzzle, you know,
And a lot of people want to.

Speaker 1 (03:46):
Discredit the work that's.

Speaker 3 (03:47):
Being done because they don't understand the full process, or
because they just want to have something to say.

Speaker 1 (03:53):
But you know, being on the front lines in this movement.

Speaker 3 (03:56):
And actually seeing what it takes to get even those
small pieces of justice, man, and just understand what it's
gonna take for us to act actually get the level
of justice and equity that we deserve and you are
entitled to in this country. We understand the work, the
work that we're gonna need to do. We're not even
going to see it in our lifetime, but we're just

(04:16):
going to contribute to it and continue to fight.

Speaker 1 (04:19):
Man.

Speaker 3 (04:20):
So I want to say thank you to everybody who's
been a part of it, those small grassroots organizations, those
who made phone calls, those who donated to organizations, those
who set in front of these courthouses, those who family
members who despite all the trauma and pain they went through,
they got up every day and they fought on behalf

(04:40):
of their family members. And they still fight, and they
still cry, and they still deal with the trauma even
after the cases are gone, after the cameras have disappeared,
after everyone has gone off, after the verdict has been delivered.
Even though there's been guilty verdicts, there have been people
who've lost loved ones. So we just want to say
thank you for all of the pain that you've endured

(05:03):
so that justice can be served, even the smallest, smallest
minute way.

Speaker 1 (05:08):
And you know that we will continue to do our part.

Speaker 4 (05:11):
And I'm not sure that George Floyd's family, Dante Right,
Ahmad Aubrey, and even Julius Jones, which was different because
Julius Jones needs to be at home with his family,
but he was removed from death row and his life
was spared with hours left.

Speaker 2 (05:32):
Before his before they would have executed him. And that
was because of a grass room's movement. And to your point,
Terrence Crutcher, who was also killed by the police, his
sister Tiffany Crutcher, was out there while holding her own pain,
she was out there as one of the leaders fighting

(05:53):
for Julius Jones' life. And there are so.

Speaker 4 (05:56):
Many people who have gone from advocate who from survivors
if you will, you know, some of us say victims,
but they are they're really truly survivors and have turned
that into becoming warriors within this movement. And I'm not
sure that they would say it's minute. I think we

(06:18):
have conditioned ourselves because we understand the larger context of
the movement, right, and so since we know that justice
is so much bigger, we condition ourselves to.

Speaker 2 (06:33):
Minimize it so that.

Speaker 4 (06:35):
We don't have to fight with folks who want to say, oh,
y'all didn't do anything, because he should have got fifty years,
and now you know you didn't do anything, because all
of them should be guilty but it's not minute because
the work that went into standing with Wanda Cooper and
Lee Merit, and also the work that Sean King did

(06:56):
you know for Ahmad Rby and the protests that we
went out for, and the people like you said, Queenya
Nostah in Atlanta, Gerald Griggs, the local NAACP there in
that part of Georgia, they worked hard. We supported them,
but we were actually living in Kentucky fighting for Breonna Taylor,

(07:20):
and we still took our time to support and stand
with Wanda Cooper and the family of Amaud Rvey. So
you had that movement happening that kept attention on them
every single day. Then you turn around and you look
at you know, what was done even with Dante Wright.

Speaker 2 (07:38):
Yeah, totally, you know. And by the way, Dante Wright's
situation moved fast from the day that he was killed
until there was a conviction. It was very clear in
the state of Minnesota that people were not going to
sit back and allow them to slip back with justice
because there was all ready a conviction on George Floyd.

(08:02):
And I think what some folks may not understand, they
may not be aware of how much work went into
electing Keith Ellison, who is the attorney general. They're in Minnesota.
I don't think people understand how much work and what
the battle was to get him elected so that he

(08:25):
can fight for real and.

Speaker 4 (08:26):
True justice in that state. There is so much more
work to be done, but it's not minute. You think
about Brionna Taylor. Yeah, the trying to get actual convictions
and to get people arrested in charged. It's an uphill battle.
We hope that the FEDS will come in and file
federal charges against the officers, particularly the four officers, but

(08:51):
even more folks than that were involved in murdering Breonna Taylor.
But yet those officers have been removed from the force.
For us, While it is not the end all be all,
it is significant that they have been disgraced and sent
home from their jobs. Now we have to fight to
make sure that we get actual legislation put in place

(09:13):
that monitors them so that they cannot just go get
another job in a different city and commit the same crimes.
So to your point, there is a lot of work
to be done. There's an incredible amount of work to
be done. But I refuse not to appreciate all the
people who have work to do what has happened within

(09:38):
the year of twenty twenty one that we hope to
keep into twenty twenty two.

Speaker 3 (09:42):
You're right, you know, I apologize, do you know it's
to apologize?

Speaker 2 (09:47):
It's no when I get it, it's not.

Speaker 3 (09:50):
Because it's not just our work, right, it's other people
who are out there working, and as I applaud them,
you know, I don't want to minimize, you know, the
losses of people who actually were invested in this work,
because a lot of people lost sleep, they gained trauma,
they lost money, they lost family, they lost so many

(10:10):
different things in this fight for justice. So it's beneath
me to even try to minimize with people lost in this.
But I do want us to understand that there's so
much to go.

Speaker 1 (10:22):
We still have a lot to fight for.

Speaker 3 (10:24):
But those victories that we did get, they weren't they're
not minute, they're definitely major victories, you know, So continue
to fight with that and knowing that you have gained
victories when we still got a lot to go.

Speaker 2 (10:36):
And so that brings me to my thought of the day. Now.
You know, I've been really on vacation.

Speaker 4 (10:47):
I literally have done absolutely nothing and for you and
other people who called me.

Speaker 2 (10:53):
I've been sitting in a dark room relaxing for the
entire holiday, with the exception of moving around a little
bit here and there. Number One, I ain't trying to
get the COVID. Number two, I just needed a break
and I really needed to get focused. So, you know,
TV was a thing, like I was watching shows. First

(11:14):
of all, we start the holiday with Insecure going off
the air, so their last show. I haven't even watched
it because I'm like heartbroken and I know a little
bit about what happened, because social media is such a spoiler,
like they just tell you everything, but you know that's gone.
Then the other day I was watching TV.

Speaker 4 (11:36):
I was really excited about Blackish and I learned that
it was their last episode as well. I'm just trying
to figure out, what in the heck is happening. Is
it the ratings? Are we not watching the shows?

Speaker 2 (11:49):
You know? What is the issue? Is it advertising? What
are we going to do to keep content on TV
that helps to show us in not just a positive light,
but in our true form. I have no issue with.

Speaker 4 (12:05):
Fifty cent and his uh, you know, his portfolio, because
we all like a little crime and Hustler's TV every
every if you say entertainment, whatever, right, we all we
all like that.

Speaker 2 (12:21):
By the way, it's every other.

Speaker 4 (12:23):
Culture has the same, So we're not gonna see him
act like that. White folks are not killing each other
and shooting up and everything on TV.

Speaker 2 (12:31):
The Asian community there and everybody has entertainment. To your point,
that's criminal through a criminal lens. Lets me say it's
like that.

Speaker 4 (12:45):
But the fundamentals of their every day for their children
is not just focusing on power and BMF and things
like that. They also have Grays and Gnat, they have
I don't know you name the shows right they I
don't even know them, but I know that they have

(13:06):
a bunch of shows that shows sort of a myriad if.

Speaker 2 (13:09):
You will, of images to their young people. You turn
on the TV for us and we're losing everything. And
Blackish was such an important show since we had the
Cosby Show, then you have Blackish. I don't know, maybe
there was something in between, but to lose Blackish and
I'm gonna literally call both Tracy Ellis and Anthony Anderson

(13:33):
and ask why is it that they were ready to
move on with their careers? Like I just don't get it.
I'm really trying to understand how we keep content that
is for your children and my niece and other kids
that are growing up.

Speaker 3 (13:48):
I mean, we got to continue to create it. Man,
we have lean away. If we have so many different
black producers and you know that understand the need, you know,
maybe maybe I think what happens it becomes hard to
create content right after a certain amount of seasons, or
maybe the ratings.

Speaker 1 (14:06):
I don't know.

Speaker 3 (14:07):
I can't really imagine that black Ish not having good ratings,
but TV in itself, the ratings for TV and itself
has been going low. But I do believe that Blackish
was definitely something that was needed in our community. Was
something that you look to. You know, it showed us
in a very positive light. It showed us in so
many different real life situations that happened in black homes

(14:32):
right in right, whether it's just black homes that come
from wealth or just poor. It was just those same
understandings of just black culture that they talked about was
something that really happened in most homes that people can
identify with, right and then it gave you something to
reach for, to have a mother and father that was
that successful right to be a mother and father that

(14:53):
was that successful. So it was so it represented so
many different things for our culture. And I just I
hope that we have the next production right in the hostel,
right like in the pipeline.

Speaker 4 (15:06):
And now I think we have grown Ish and which
i'm Yaa Shahiti is. I think she's one of the
executive producers and she's also on the show. We have
to support these folks like we have to. I know,
we think people are watching, they must have good ratings,
but actually they don't. They don't have the type of

(15:26):
ratings that's necessary to generate consistent advertising dollars. And that's
the problem. You have to actually have millions of people
watching your show in order to make sure that you
can get those ad dollars, or you get pushed to
some cable networks, and then when you're on those networks,
not everyone can see it because not everyone has cable.

(15:49):
So it's like a tricky thing of trying to figure
out how do we keep content out there that's forward
facing for our young people to be able to your point,
it's not that not even just young right, even young adults. Right, Listen,
we got kids and we need shows like Blackish, Grownish
and other things for them. But I'm just thinking of

(16:11):
when you talk about Insecure, this is for young adults.
You have a situation where Issa, when the show originally
comes on, she has no job. She hustling trying to
figure it out. It gives you a depiction of what
it's like when people are like, you know, sleeping with
this person and you fall in love and then you
get your heart broke, how you get out of it,

(16:33):
what your girlfriends can do to support you, how your
girlfriends can tear you down, The different types of personalities,
people who are you know they are.

Speaker 2 (16:44):
What do you call it? Plus size?

Speaker 4 (16:46):
Other people like It's so many different things that when
you're sitting there watching these shows. I remember when I
used to watch a Different World, the Cosy showing other
things I saw like, okay, I could do that and
take a little bit of this.

Speaker 2 (16:59):
I like them, little bit of whit Lee, I like
a little bit of you know this person that like
what in the hell we like? You said, there has
to be a consistent pipeline because while we love Tyler Perry,
while we love fifty cent and all of these shows,
that's not exactly what we're talking about those things are entertainment,

(17:21):
but though just a regular family and or people who
are existing every day working through life and they're not
so much stereotypical. We need that. We need that. So
that's my thought of the day. Bring it back.

Speaker 1 (17:37):
It's definitely a good thought. Man.

Speaker 3 (17:39):
We need y'all producers, Black producers get out there and
make us these shows that show us in highlight and
give us that energy, to give us that will to
you know, to aspire to be more. We're looking forward
to that, man, make sure y'all do it. So usually
at this time we would have our resident brand expert,
LaToya Baun with our small Business of the Week, but
we're not going to do that this week. But next

(18:02):
week we're going to look back at all of the
small business that we've showcased throughout the last year and
we're going to add a couple more. We definitely need
you to tune in and make sure that you give
us your small business. Make sure that you are a
small business that have a real business. Make sure you're
a real business, because we want to showcase and we
want to be able to give you opportunity to promote

(18:24):
your services or your product on our platform.

Speaker 1 (18:29):
That's how we all need.

Speaker 4 (18:31):
So the term knowing your status has generally been used
to talk about your status for your health, to talk
about whether or not you know if you're HIV positive
or carrying some other type of disease. And of course,
now that we're in the time of COVID, knowing your
status has a lot to do with being tested to

(18:51):
see whether you're positive or not. But knowing your status
means a lot of things, and it should for us,
particularly black folks in this world and specifically in America,
it should mean knowing what's happening with our credit, checking
our records, and knowing what's happening with our name, our
social security numbers. And oftentimes we don't like to see

(19:13):
things that are not right in.

Speaker 2 (19:15):
Front of our faces.

Speaker 4 (19:16):
We don't want to deal with it, we don't want
the stress, and we certainly don't want to have to
do the work of repairing the credit that we may
have ruined from when we were younger. But you know,
fraud is a thing, and we're actually doing a show here.
We are the first week coming back from the holidays,
where so many people have spent money. Maybe you haven't

(19:38):
checked your bank account. Maybe you haven't checked your credit
card statements, but fraud was a real thing going into
the holidays and it still is. And so we're talking
with some folks today who are real professional experts on
how to address your credit and also how to be
to ensure that you are not a victim of fraud.

(20:00):
First guest is Shiwana King. She is a credit repair expert,
the author of a book called Swipe, a motivational speaker,
and she was just featured on the VH one series
My True Crime Story. She's also a friend to street
politicians and we're happy to have you with us today. Shwana,

(20:21):
you got to put us on and tell us what
we don't know.

Speaker 5 (20:24):
Thank you so much for having me. I'm so excited
to be here. Thank you, my son, thank you everyone.
I'm excited this episode is. It means a lot to
me because you know my background, where I came from.
Financial freedom, like financial literacy, we did not know about,
you know, growing up, I did not know anything about
financial literacy at all. You know, I only knew what

(20:48):
was around me, you know, so growing up, you know,
me going to prison, me being incosrated was for identity,
that for a credit card for it, you.

Speaker 2 (20:57):
Know, and that's where it stopped.

Speaker 5 (21:00):
Well, that's all I knew was going into the store
using somebody else's credit card, but I did not know
how it.

Speaker 2 (21:05):
Affected that person and the people cards I was using.
I was just using it. They weren't. They didn't even notice.
They didn't realize that I was using their card, you
know what I mean.

Speaker 5 (21:16):
So it's like, now that I know better, I'm like, Wow,
it's a lot of people out here who really don't
check their credit, who don't even utilize their credit, who
don't really know anything about credit. And now that I
do credit card credit credit repair, it's like I speak
to a lot of people and I try to, you know,

(21:38):
educate them on how important credit is. You know, what
you can do with your credit. But if you don't
know growing up, it's hard.

Speaker 1 (21:49):
So how you doing?

Speaker 3 (21:50):
You want a nice how you doing so, you know,
just being formally incarcerated, you know, as well as understanding
what was howl you introduced to credit, like to credit cards,
Like what was the process?

Speaker 1 (22:04):
You know, a lot of people don't know it, so.

Speaker 3 (22:05):
We got to give them a little education so they
can understand, like what to look out for, you know,
how you pay attention to see if these things are.

Speaker 1 (22:13):
Happening to you.

Speaker 5 (22:15):
So okay, so how I was introduced and I'm gonna
bring it from before into now. So do you know
right now, like when you get those alerts that say
your password has been compromised on the dark web or
change your password immediately because it has been the detected
in certain websites, that's a real thing.

Speaker 2 (22:38):
Like it's real because before, you.

Speaker 5 (22:41):
Know, prior to my incarseration, I was basically paying a
hacker to hack into the bank systems or hacking to
let's just say American Express, and they will basically get
your account password, email password, and they would try out
pay for that information. And now like I even get

(23:04):
it on my email, it's like change your password because
that means that your email and your passport is out there.

Speaker 2 (23:11):
So now it's compromised.

Speaker 5 (23:12):
So now the hackers can go in and actually take
that information and sell it on the dark web. And
that's where I came in. Prior, I was going in
on a dark web and purchasing that information and then
now I'm able to go into the store and use
that person's identity.

Speaker 2 (23:30):
Now, but were you making because I know a guy
who went to jail for actually making the credit card
with the numbers on it and the strip, and at
some point it got to the point that they were
actually able to make the credit card work. It started
out where they used the credit card and it wasn't live.

(23:50):
It just had the numbers on it. It looked real.
But then they got it.

Speaker 4 (23:54):
To the point where the card was actually working with
the swipe in the store.

Speaker 5 (23:59):
Is where as Yeah, So basically, yeah, the same exact thing.
So basically I will contact a hacker. A hacker will
sell me information. It's called the track. The track has
your sixteen digit card number, your exploration date, your name,
all of your information. It's like it's like an it's
like encoded into like these colds. So what I would

(24:21):
do is there's a machine that you have, you connect
it to your computer and you basically transfer that information
into the credit card.

Speaker 1 (24:29):
You have.

Speaker 5 (24:30):
Any card that has a strip on it could be
transferre It could be a hotel key, as long does
it have like a black magnetic strip on the back.

Speaker 2 (24:37):
Of it, it could be transferred.

Speaker 5 (24:38):
That information could be transferred into the card and you
can basically use it anywhere.

Speaker 1 (24:43):
Wow.

Speaker 3 (24:43):
Wow to me is very I used to always ask
her that she'll go to a hotel and she'll make
sure that everybody throws.

Speaker 1 (24:50):
The keys away.

Speaker 3 (24:51):
She will not leave a hotel key anywhere because she says,
people can get your information, and I never will it.

Speaker 2 (24:58):
Yeah, you know, and what they do too.

Speaker 5 (25:01):
What they'll do is, let's just say, if you gonna
make a purchase, and they will take your car, swipe
it and you know, the machine at the store, and
then also swipe it in a little device. It's like
as small as are like.

Speaker 2 (25:14):
A uh, the little thing.

Speaker 5 (25:17):
Yeah, it's that small, Like they'll swipe it on that
and then now they have all your information. So that
just eliminates them being able to They don't have to
contact a hacker. They have your information right there, you know,
and they're doing that to everyone who come and purchase.

Speaker 4 (25:33):
So so tell us. So okay, so you got into
that first. It couldn't have just started there though, Like
that's high level.

Speaker 2 (25:41):
So you had to start somewhere a little bit before
that stage. Was it that you just found out it
was easy? Did somebody tell you to get involved? So
it's crazy, but I never said this anywhere else. So
when I was younger, I was you know my aunt.

(26:01):
She's She's from Maryland. She had a bunch of salons.
She was like that aunt that was like flying, you know.
And I'm like, damn, she got a bunch of salons.
She got all this money, and I knew that. She
went to prison for a credit card fraud. Right.

Speaker 5 (26:15):
She wrote a book called Charge It to the Game. Right,
I've read the book. I never said this anywhere else.
She don't even know this. I've read the book and
I was like, wow, this is crazy. Like she was
given detail, but not too much detail. So I went
on the dark Web and I started researching. I found

(26:38):
out all the information I needed, and I found the
person who basically I could buy the tracks from.

Speaker 2 (26:43):
Wow, wow, how.

Speaker 5 (26:47):
Some tracks costs the tracks are about At that time,
they were fifty dollars. So now you're talking about something
that costs fifty dollars that I can get about twenty
thousand dollars from.

Speaker 3 (27:00):
That's that that that's a no brainer right there. Mm hmmm,
so u huh no, no, glad, what you said.

Speaker 2 (27:08):
I was saying.

Speaker 5 (27:09):
So I'm purchasing these tracks and all I have to
do is basically get a bunch of blank credit cards.
At that time, I was going into like CBS Walgreen
and taking the gift cards. They're free, just going in
and take them. You know, they have a black magnetic
strip on it. So I was using the tracks, putting

(27:30):
it on the black on the card and just going
into the store.

Speaker 1 (27:34):
And usually so how did you get caught?

Speaker 2 (27:37):
Like?

Speaker 1 (27:37):
What, what's the thing?

Speaker 2 (27:39):
So I got caught?

Speaker 5 (27:41):
Now the reason why I got caught was because the
person who I was purchasing the tracks from, he's he's
in China.

Speaker 2 (27:49):
He's in China. I never I don't know who he is.
I never met him. We only spoke online.

Speaker 5 (27:54):
So he was shipping cards to Africa to me and
Brookes when to all over and he started to get
hot and they started watching him. So what he did
was he told me, he's like, listen, I can ship
you some cards. You don't have to you know, they'll

(28:14):
be real cards, you know, with your name. You don't
have to use the cards that's from CBS, so you
know if this card will be actually with your name
on it. So it was better for me because sometime
I would go into the store and they'll be like, oh, well,
this is a gift card. You can't use over five
hundred dollars if it's only five hundred dollars on a
gift card. If it sets five hundred dollars on the card,
how you swiping it for five thousand dollars.

Speaker 2 (28:37):
So I needed that connect at that time. So for
about a year, he was just shipping me cards, shipping
me cards. Everything was cool.

Speaker 5 (28:44):
He started to get hot because someone in Nigeria got
in trouble. So customs basically stopped the package that was
coming to me. And when they stopped the package, they
opened it and they seen what was in it, they
sealed it back and sent it to me. So when
they sent it to me, I didn't know it got
stopped and they just started following me from there. They

(29:04):
was following me for six months.

Speaker 2 (29:07):
Wow, while you was using the car, So they had
a full case of course when they finally And I
think that's the whole point is like it feels good right,
like while it's happening, you're looking bad and doing your thing.

Speaker 4 (29:22):
But at some point, I don't know anyone, I really
literally don't know anyone that has been able to accomplish
like longevity and then never get caught doing these things.

Speaker 2 (29:33):
I just I don't know anyone. Everybody I know at
some point they brought up with them. No, it's true.

Speaker 5 (29:39):
And then at that time I was so young, like
I went to federal prison when I was nineteen years old. Wow,
and I was doing that from seventeen. I went to
prison at nineteen, came home, didn't know anything else. At
the same thing, over thought, I got smart and bought
all the machines, got caught another two years later and
had to do two and a half years, you know
what I mean. So I didn't really know another way.

(30:00):
That's all I knew at that time. That's the only
That's how I knew how to make money, you know.
And it's it's unfortunate that I had to go through that,
but I don't regret anything that I've gone through, you know,
because it made me who I am today.

Speaker 2 (30:17):
And you know it it was it was crazy.

Speaker 5 (30:20):
You know, because you get so addicted to like the
material stuff, because you walking into the store and you're
getting these things for free basically, you know, like I'm
spending one hundred dollars per card and I'm getting ten, fifteen,
twenty thousand dollars per card, you know, So it becomes
like addiction, right, you know, to like it's crazy.

Speaker 3 (30:43):
So you did you So, how much time did you
do in prison? You said you went to jail the
first time, came home and did it again, and didn't
have five years all together?

Speaker 1 (30:53):
You did five mins.

Speaker 3 (30:54):
So you went home, You went there for three came home,
did something, and then went for two more year. Yeah,
and then so what made you say, Okay, I gotta
I gotta do something differently? What was it when you
came home did you immediately say I'm not going back
to jail? Or when you was in jail, did you say, look,
I gotta do something different?

Speaker 1 (31:14):
Like what made your mind flip.

Speaker 2 (31:16):
The first time? I didn't think like that the first time.

Speaker 5 (31:19):
I say, you know what, I got caught because not
something that I did. I got caught because he was
doing something and I got, you know, wrapped up in it.
So that's how my mom was, honestly. The first time,
nineteen years old, spent two years in there, came home,
I'm like, you know what, I'm gonna do it smarter.
I bought all the machines. I didn't need a middle man.

(31:41):
I didn't need him. I didn't need anyone. I was
able to do everything myself. So the last time I
went to prison, I was like, and I went to
prison for the stupidest thing ever. I was like, you
know what, this is not for me.

Speaker 3 (31:56):
I had to tell us to give us the stupidest
thing because people need to hear it.

Speaker 2 (31:59):
So so.

Speaker 5 (32:02):
I'm in a restaurant, right, I'm in a restaurant, and
the people who I was with, these are the people
that I used to hang out with before, who were
still in the gate, who were still doing fraud. They
basically used a credit card to pay for a dinner party.

Speaker 2 (32:21):
The dinner party was like nine thousand dollars.

Speaker 5 (32:24):
They had bottles, they had a bunch of stuff, right,
nine thousand dollars for this dinner party. And what they
did now, I booked the I booked the reservation right
under my name, my phone number. I didn't I thought
everybody was gonna pay. I didn't think we were gonna
like use a credit card for that. So I booked everything.

(32:45):
And basically they in this they had a fight in
the restaurant, so they like kind of messed up the restaurant.
The police got involved. They called me, They came to
my house and arrested me, and now I'm not gonna
be like it wasn't me that used the card, it
was him. And then on top of that, I had
a case of not a case. I had a prior

(33:06):
you know, arrest for the same exact thing. It was like, okay,
this was her. So I just basically had to go
in for a violation. I went in for a violation
because I was on federal probation for the last case.

Speaker 2 (33:18):
So they basically violated me. They gave me sixteen months
in the state.

Speaker 5 (33:23):
They ran a concurrent, and I just had to do
the two and a half years in the facts and
I was They terminated my probation after So.

Speaker 3 (33:31):
When you came home, you said I ain't doing this though,
So while I.

Speaker 2 (33:35):
Was inside, I was like, you know what this is.

Speaker 5 (33:39):
I can't live my life like this, Like I don't
where am I going to be five years from now,
Like when I go home, what am I going to do?
Go back into doing credit cards for it and be
back in jail? Like this is just gonna be like consistent,
this is gonna be my life. I cannot live like
this like this is not me, Like I see so
much more for myself you know, and I had to

(34:01):
sit there. You know, I prayed about it, I meditated,
and I just asked, like, just give me away, you know,
put good people in my life, you know, associated with
people that can help me. Because I was young and
I didn't have that guidance. I didn't have a mentor.
I didn't have somebody that could, you know, help me

(34:22):
get to the next level or tell me not to
do this, this is the wrong way, you should do
it that way.

Speaker 2 (34:27):
I didn't have that.

Speaker 5 (34:28):
So going to prison, I met some really really great women,
you know, who saw more in me than I even
seen it myself, you know, just from conversations, just from
you being with this person every single day.

Speaker 2 (34:43):
You know, like.

Speaker 5 (34:45):
I used to hole, you know, Jamilla T. Davis like
me being around them. They basically helped me. They like, listen,
I see so much more on you, Like this is
not your life.

Speaker 1 (34:57):
You know.

Speaker 5 (34:57):
I wanted to write a book. I used to push me.
She was like, write it, write it every day.

Speaker 2 (35:01):
I'm like, okay, I'm gonna write it.

Speaker 5 (35:02):
She was like, listen, just write down some notes, give
me a bunch of pages, and I'm gonna help you
write it. So that was like the start of it,
you know, And I basically wrote out a five year plan.
I said, I'm not going home until this plan is completed,
and I'm gonna follow it. And whoever comes in between,
whoever comes in between that plan, like, they just gotta go,

(35:25):
They gotta go. I gotta dismiss them from my life.
And I was stern about that decision. I said, I'm
gonna just let go everybody who was in my life.
Fire who's still doing the same thing, no shade. I
fuck with y'all, but from a distance, you know what
I mean, Because I have to change my life.

Speaker 2 (35:41):
It's no other way.

Speaker 5 (35:43):
And the association with people, that's the first thing that
would get you wrapped back up, you know. So I
just had to disconnect myself. So when I came home,
I basically just was around my prisons this. You know,
people who've gone through the same thing, People who don't
want to go through that, go back to pray, who
haven't experienced prison. They don't have anything to they just

(36:04):
living at that moment. They haven't gone to prison, so
they don't know what it's like, you know. So I'm like,
I have to be with people and surround myself with
positive people and people who've gone through the same things
that I went through because they don't want to go
back down that road, you know, And that's what I did.

Speaker 2 (36:19):
I didn't let nothing come in between that. No mind,
I don't care if I had to live in a
shoe box like you, was gonna stay on the right track.
So how did credit repair?

Speaker 4 (36:29):
I mean, obviously it's natural for you to go from
because you understand, you know the issues, But how did
credit repair become the transition?

Speaker 2 (36:40):
And then also have you when you went to court the.

Speaker 4 (36:45):
First time, did you ever have to face any of
the individuals that you had frauded?

Speaker 1 (36:52):
No?

Speaker 5 (36:53):
Okay, it was so many, but no, I'm so happy
I haven't because, you know, after knowing what this this
is an issue that happened to me when I was
in prison. I called home to my grandmother and she
was about seventy at this time.

Speaker 2 (37:13):
Now she's like, baby, I'm you know, I'm so sad.

Speaker 5 (37:17):
Someone used my credit card and I've been fighting with
the bank for the past six months.

Speaker 2 (37:23):
And right now I have no money. You know, I
don't have anything.

Speaker 5 (37:28):
You know, they took seventeen thousand dollars from me, and
you know, I don't have no money. The bank has
given me a hard time returning the money. I'm like, real, yo,
So that hit home. I was like, oh my god,
Like they are real people, real yeah, yeah.

Speaker 2 (37:46):
Yeah, these are real people.

Speaker 5 (37:48):
Like I don't know what the issue was, what the
circumstances were in their life. I could have just you know,
mess something up like and then that was basically when
she spoke to me and told me. I was like, Wow,
this came at the right time. This actually came during
the time. I said I need to do this five
year plan because this is what I'm a follow and

(38:09):
I got that. I called home and that's the that
was the conversation, Like that was confirmation for me.

Speaker 2 (38:15):
You know. I was like, wow, I can't come back here.
So you've got into credit repaired. Yes.

Speaker 5 (38:22):
So when I came home, the transition wasn't easy, you
know it was. It was hard, especially coming from having
so much, you know, at so young, and then you
coming home and you have to like.

Speaker 2 (38:34):
Rely on people.

Speaker 5 (38:36):
Even though I had my daughter's father, he was there
for me tremendously. But I'm very independent, you know what
I mean, And I like to do things on my own.

Speaker 2 (38:46):
I like to help I'm the giver, like I like
to give people, you know, people around me, and you.

Speaker 5 (38:52):
Know, so coming home, I was like, the first thing
I need to do is fix my credit.

Speaker 2 (38:55):
I learned about credit while.

Speaker 5 (38:57):
I was in prison. I didn't know anything about credit,
you know. I learned how important credit was. I got
a bunch of credit for dummy books. But at that time,
it wasn't for me to fix people credit. It was
for me to work on my credit. Because I said,
what I'll do is, you know, work on my credit
and use that to start my hair company or use
that to start whatever company it is that I want
to do. So when I came home, I did that,
work on my credit, got a bunch of credit cards.

(39:19):
And how we started doing credit or heare was I
came home about I want to say, a year before Ayisha.
And when she came home one day, she was she
had a bunch of Western Union papers like she to
send out money. Mind you, she just came home. She
didn't have no money. So I'm like, Ayisha, what are

(39:39):
you doing? She's like, I mean, I don't have money,
but I'm just sending the girls thirty dollars each because
I promised that to them.

Speaker 2 (39:45):
I'm like, I know, but you don't.

Speaker 5 (39:47):
Have it, Like you got to get yourself together first
and then you could give you know, because you're taken
from yourself. And she's like, I know, but I promised them.
I'm like, so listen, you taught me how to fix
She taught me how to fix my credit. Actually, when
I came home, I'm like, you taught me how to
fix my credit. Why don't we teach fix the girl's
credit that's coming home. Because these girls are about to

(40:07):
come home. It was like six of them, they're about
to come home. I said, why don't we fix their
credit to give them something for when they come home,
because it was extremely hard for me to come home
to you know, dap back into society, not having the
things that I used to have.

Speaker 2 (40:20):
But my credit is really wouldn't help me.

Speaker 5 (40:23):
Because I got that first credit card for ten thousand,
I was able to use that and flip it, you
know what I mean.

Speaker 2 (40:28):
Maybe they could do the same thing.

Speaker 5 (40:29):
So this thirty dollars is cool for now, but let's
give them something that's long jeopardy, you know. So we
fixed their credit. With six of them, we fixed their credit.
We sent them their credit report. They was so happy.
One of the girls actually came home opened up a
whole spar like she's.

Speaker 2 (40:43):
Doing really well.

Speaker 5 (40:45):
Other ones do lashes and the other one has a
real estate company. So they thank us even to this
day because we helped them while they were in prison.
But I knew how hard it was for me coming home,
so I wanted to do anything to help somebody because
I wish I had that, you know what I mean.
So the girls told their husbands, told their sisters, brothers, cousins,

(41:07):
so anybody just started calling us. This is before we
even had a credit pair company. We didn't even think
to do creditor pair like. We were just doing it
to help them and to help ourselves. And people just
was calling us to fix their credit and we started
like that and it just became came crazy. Before we
even posted it on Instagram, we were getting calls and
we just use that as our money. We was like, okay,

(41:28):
well this is a full flash company, Like let's do it.

Speaker 3 (41:32):
You know, I just want to say, I want to
commend y'all man shout out to how you shud shout
out to Jamila. Just just watching you y'all motivate me.
You know, sometimes I go on Instagram or I see
y'all shows. I'd be watching y'all and I understand your
struggle when coming from prison, not having nothing, and to
see y'all.

Speaker 1 (41:50):
Just come home with this energy, you know, just.

Speaker 3 (41:53):
Seeing y'all together, moving together, consistent, persistent, and just growing
every day. I just want to say commend you because
a lot of people don't believe that a lot of
people because you're incarcerated, you formally incarcerated, that your life
is over. You're not supposed to do nothing, You're not
gonna do nothing, and you women defy that every day.

Speaker 1 (42:12):
So just I just want to say.

Speaker 3 (42:14):
Thank you for doing it, because it's motivational to more
people than you actually even know.

Speaker 2 (42:20):
Thank you. I appreciate that.

Speaker 5 (42:21):
And it's like coming home from prison, you know, you
look at what other people have, you know, and you're like,
you're so used to having that, and it's really really
hard to stay on track.

Speaker 2 (42:32):
You know. You gotta be really strong minded.

Speaker 5 (42:35):
And I think that's what helped me because I was
determined to do the right thing. I didn't want to
look over my shoulders anymore. Like that life became like crazy,
like I'm driving and I'm looking back, like to make
sure nobody's behind me and nobody's following me. Like I
don't want to live like that my whole life. You know,
it gets like when do you really say enough is enough?

(42:58):
You know, like it's really especially when you keep surrounding
yourself around the same individuals. Like that was the first
step for me. I had to let go, Like I
still speak to people like from a distance, don't hang
out with them, don't call them, but if I see them, hello,
But I just had to let go.

Speaker 2 (43:17):
It was no other way. Oh, I would have.

Speaker 5 (43:19):
Been right back up in that same thing because they're
doing the same exact thing.

Speaker 2 (43:23):
You know, I want to join.

Speaker 4 (43:26):
I want to join my son and saying that it's
very inspirational.

Speaker 2 (43:29):
Listen to your story.

Speaker 4 (43:31):
You know, all of us, as not all of us,
but most of us who were black folks that or
people in general who live in the world know somebody
who got caught up right, But oftentimes we don't find
people who were able to turn their lives around and
be as progressive, as beautiful, you know, as inspirational as

(43:53):
you are. And so I'm really happy to hear it
at a story that could have gone in a total
different direction, win in the right direction, and that you
are now an inspiration for others. So I just also
want to give you your flowers and you know, give
and really just encourage you to stay on the right track.
Right like we it's a it's a process for each

(44:14):
one of us every day to talk to ourselves to say,
you know, don't go out and slap the lady who.

Speaker 2 (44:20):
Got on our nerves. You know, don't go out and
you know and do something that could ruin our lives.

Speaker 4 (44:27):
And so just make that encouragement for you before you go.
Tell us what people need to be looking for. We
just came out the holiday season, and I know, even
with me, I have to force myself. You know, there
was a point in my life where I didn't really
have anything.

Speaker 2 (44:43):
So I knew if two dollars was missing off the bat,
because you know, it was nothing in there you had
for dollars. All of a sudden, I'm trying to spend
thirteen and it says that it's declined. I'm like, Yo,
what happened? I know this is what we have. But
now that you know I.

Speaker 4 (45:00):
Have more resources, I have to always check every line
of my statement to see where my money is going
and coming. And another thing that I found, I'm gonna
send things back person, so I order it because I
really like to shop in the store, but clearly they've
taken all the good stuff out the stores and everything online.

(45:22):
So when you send things back, you have to monitor
whether or not that money came back into your account from.

Speaker 2 (45:29):
The rest because it doesn't just show up. You have
to actually know your money in order to be true out.
So these are things that.

Speaker 4 (45:37):
As I'm getting older, I'm trying to actually pay attention to.
So tell us what are things we need to be
you know, looking for.

Speaker 2 (45:44):
So you definitely have to have.

Speaker 5 (45:48):
There's something you can put on each credit card basically,
you know, when you call up your credit card company,
you can tell them that you want to.

Speaker 2 (45:56):
Put alerts on and what those alerts.

Speaker 5 (45:58):
What it does is like it basically it knows how
you use that card, and if it's something out of
the ordinary, it will alert you or send you a
text and say, hey, is this you using your card?
Yes or no? Like that's extremely important to have. Two
when you receive those emails, that says that your email address,
your password has been compromised. To change it immediately, because

(46:21):
a lot of times what the hack is what they
do is.

Speaker 2 (46:24):
They'll take your information and they won't use it right
then and there. They'll hold on to it. You know,
they'll wait a couple of months.

Speaker 5 (46:30):
Down the line where you're not thinking about it, and
then they'll that's when they'll go in and use it.
You know, check your credit report. You can get one
free credit report a year.

Speaker 2 (46:40):
Check it. It's important. Credit comment is free. You know,
look at these would you also pay? Like, would you
suggest because you know, we love free, but sometimes free
is not going to be like the end door be
all and we should actually be paying at nineteen ninety
nine or whatever a month to get the credit report,
like fourteen ninety nine for your Netflix and all those

(47:03):
other things.

Speaker 5 (47:04):
Right, I was, yep, I was definitely gonna say that.
Identity IQ is a really good one. You know, it's
twenty seven or twenty five ninety nine, But it's important
because not only do they send you alerts, they monitor
everything and they'll send you twenty five emails a day
telling you about your credit like you know, this is

(47:24):
out of the ordinary. Your email was compromised, Like it
gives you all of the alerts and that you have
to pay attention to because it's so easy right now
for people to access your information. You think your passport,
and especially if you're someone who used one password for everything,
switch it up.

Speaker 2 (47:42):
Don't do that.

Speaker 5 (47:43):
Don't use the same password for every card or for
your cell phone, like, because once they have that one
a hacker, they're gonna check and see if you know
the rest of your information is with that same password.
And I know I'm guilty of that. You know, I'm
guilty of using one password. But now that I know
how they do it, I switch it up. You know,
even if you add a money sign or corenescy, anything,

(48:07):
just anything, just switch it up.

Speaker 2 (48:09):
That's important.

Speaker 3 (48:11):
So you have a credit company and you do credit repair.
What is your company's name? How can we find you?
We need everybody to reach out to you so we
can get you some customers so we can be credit literate.

Speaker 1 (48:25):
You have our credit fixed?

Speaker 2 (48:27):
Yes?

Speaker 5 (48:27):
So my name on Instagram is Wanna god Class at
Wanna Got Class. The name of my company is called
the Real Credit Pro. That's on Instagram. You can also
go to the real credit Pro dot com. You can
also find me on Shwana King dot com.

Speaker 2 (48:44):
You know, you can hit me up anything that you
need credit related. I got you. We are extremely affordable
five people, you know, and four ninety nine.

Speaker 5 (48:55):
Basically, we'll remove all of the derogatory accounts off your credit.
Anything that's negati for your credit, we'll get it off.

Speaker 1 (49:02):
Okay, listen, you know it's all about.

Speaker 2 (49:05):
The second chance. Your credit.

Speaker 5 (49:08):
You can fix it, you know, and you have a
second chance, like I just I'm a strong believer in
second chances.

Speaker 2 (49:16):
Definitely, we need you know.

Speaker 3 (49:17):
That was one of the things when I came home.
I didn't even understand credit. I didn't know none of that,
and I got somebody that got me in tune with
it and realized how you can't even live without credit
right now. You know, it's pretty much you can't do nothing.
So this is definitely a service that's needed, especially for
returning citizens. You know, they're coming back trying to be
productive and evolve. Man, So thank you for your work.

(49:40):
Thank you for your evolution. Continue to be great, looking great.

Speaker 2 (49:45):
Thank you go out you.

Speaker 1 (49:47):
Should all of y'all. Man, just keep being dope.

Speaker 2 (49:49):
Man so much for having me. I really appreciate it. Yeah,
we'll have you back again. Thank you so much. Guys,
thank you to me, the thank you my son happy
thank you YouTube.

Speaker 4 (50:04):
I mean, really really important information and to hear it
wrapped in a real story like she's trying, you know,
because sometimes we as black folks, we'd be like, oh,
nobody got time for that. I don't have no money.
But she's trying to tell you that you can actually
the credit you don't think you can get. She could
have been able to increase the limit, get more money

(50:27):
on your card, use it in a way that you
don't even know how.

Speaker 2 (50:31):
Because these people are actual professionals.

Speaker 4 (50:33):
There's somebody sitting in another country working on increasing your
limit right now, making sure like somebody try to call
me the other day, they were actually trying to get
into my Verizon account and having Verizon send me the
alert that if I would have clicked it, it would
have allowed them to get in. They probably would have

(50:53):
ordered cell phones, worked out.

Speaker 2 (50:56):
A deal, all kinds of things that they know how
to do, and so we have to actually pay attention
I right now. The thing that that I just don't
understand is why if somebody sends you a DM on
cash app and tells you to send me five hundred
dollars one thousand dollars and you know the person has
your telephone number. Why do people do that?

Speaker 1 (51:19):
Because sometimes you just be comfortable.

Speaker 3 (51:21):
Somebody got me for like fifty dollars one time because
it was somebody that I don't normally talk to that
I might just see you on Instagram a lot. That's
cool with me, and was like, hey, I need a favor?
Can you leave me fifty dollars?

Speaker 1 (51:32):
Now? Fifty dollars? You're not even thinking about it.

Speaker 3 (51:34):
You're like, okay, if they seeing you a DM fifty,
But if you ask me for five hundred dollars and
you got my phone number and you DM and me,
then that's a real issue for me. So I think
for me, fifty dollars was like all right, cool, and
I wasn't even thinking about it.

Speaker 1 (51:47):
And then by the time I figured out I thought
about it, I'm like, yo, did you just send me this?

Speaker 3 (51:51):
And it's like no, My thing was halfed, So you
know it's it's it's a quick scheme.

Speaker 2 (51:55):
They got not even fifty dollars? Am I sending you?
Not even fifty? Not even five dollars? Will I send
to somebody that sends me a DM? You have to
ask me for my phone number and then we will
speak on the telephone and you could tell me what
your problems. I'm just I'm just not going.

Speaker 3 (52:15):
To go I mean, listen, I learned the hallway. I
agree with you. For now, we'll not even find out
you got.

Speaker 4 (52:25):
Everything that Shawuana was talking about is so important because
it was really technical in terms of what to look for,
in terms of how people get in track right and
how they get caught up in the system. You know,
she's done prison time for this, so she's really truly
an expert that people need to be listening to. But
the fact that she took that experience and turned it

(52:47):
into something that's positive for our communities is really important
because she's got a lot of give back that she
needs to do to repair and just to heal herself
from the trauma that has been cause to others in
the prison time.

Speaker 2 (53:02):
But now we're.

Speaker 4 (53:03):
Talking to someone who is sort of on the other
side of the conversation.

Speaker 2 (53:08):
A financial expert. She is an author of two books,
Financial Counication and The Four Financial Languages. They call her
a mad of Money. Thank you so much for being
with us, Tara Jackson.

Speaker 3 (53:23):
Lot of money that's now that's the name queen. I
appreciate that name. Man, thank you for being here with
us today.

Speaker 2 (53:29):
My pleasure, my pleasure.

Speaker 3 (53:32):
So give us give us some insight on what exactly
you do. How did you start on this road to
being mat of money? You know, how long you been
doing this? For twenty plus years? Like, how did this start?

Speaker 2 (53:46):
Yeah, I've been in the financial services game for over
twenty years, which completely lies about my age. Yeah, I'm
only sixteen for the right eleventh time whatever or twenty
eleventh time. I started off in the credit card industry.
I was a telemarketer, uh and I sold credit cards
very well with eighteen percent and forty dollars annual annual fees,

(54:10):
and I was the queen of selling credit cards over
the phone. But I decided to stay in the game
because being a telemarketer helped me to get the extra
money while I was in college. And then I started
learning the business, started learning credit and then I started,
you know, got job as a loan officer, and I
just matriculated in the financial services industry. I really it

(54:33):
wasn't my you know, lifelong dream to be in the
financial services industry. I just ended there because I wanted
the money, and it was a legal way for me
to do it and to learn the game, because what
I realized with the financial services industry is that banks
are playing chess, the consumers are playing checkers. That's why
a lot of consumers getting played because they just don't

(54:55):
understand the game of it. So I wanted to learn
the game, and I've circulated up to I was a
VP of lending of a credit union in Delaware, ended
up being the vice president of a credit union and
then the interim president and CEO of a credit union
in Atlanta, Georgia. And while I was there, I just
realized that I wanted to start giving back to the

(55:18):
community and I and teach them the game. So I
wrote the book Financial Forunication. And the reason why I
called it financial Funication is because people were okay about
talking about sex, who they slept with, who they wanted
to sleep with, and all of that stuff, but nobody
wanted to talk about their crappy credit and the fact
that they didn't have me savings or they weren't investing.
So I figured, if sex can sell a cheeseberg with Harty's,

(55:41):
sex can sell financial literacy with Madam Money. And so
that's how that became in financial forunication derived and so
I quit my job as a financial professional and I
turned into a financial advocate and promoting in financial education.
And so that's where Matt Money gave That's why I

(56:02):
gave birth to amount of money.

Speaker 1 (56:03):
I guess.

Speaker 2 (56:04):
So you come from the mind frame that fraud and
credit issues it doesn't just impact the one person. I
think I read somewhere that you said it feels victimless
when people are out, like, you know, swiping cards and
harming others. But you're saying that you feel like it

(56:27):
or you know that it impacts the entire community, that
it hurts all of us when our credit is not
up to speed. Can you talk a little bit about that.
I know that people.

Speaker 4 (56:37):
Are concerned about wealth. They're starting to understand and they're
starting to be an awareness around wealth and the wealth gap.
You see people talking about it, but I'm not sure
that folks have connected how credit is directly impacting our
wealth issues or the wealth gap. And then also for me,

(57:00):
it's like, if my credit is messed up, what does
that have to do with you know, another neighbor of mine?

Speaker 2 (57:06):
Okay, well, you know it's back to I teach a
class called Young Money to college and high school students,
and the first class is cream Credit rules everything around me,
and it teaches them about credit, what credit is, and
how it affects you. So it not only affects you
getting stuff and you know, buying things, but it can
affect how you know, if you can get a job.

(57:28):
It affects how much you're going to pay for everything.
It affects utilities, you know, if you're going to get
a cell phone, or how much you're going to pay
for it. So the lower your credit score, the more
you're going to pay. So it affects you and your
macro economics as far as you and your family space,
but the micro in the areas. You know, it's going

(57:49):
to affect what kind of house you can live in,
where you can live and all of that. So it
affects your community space and where you are. And So
although I don't think credit is everything, and credit is
a very significant part of us when it comes to
wealth building, because credit is supposed to be a tool, right,
It's supposed to be leveraged. It's not supposed to be

(58:11):
something that pools you back or hinders you or keeping
you you're supposed to be able to use credit, to
be able to leverage to purchase homes, or to get
investment properties, or to do whatever. If you do it
the right way. If you do it the wrong way
and you do it in a matter of fraud, eventually
everything's going to be tracked to you. Because one thing

(58:32):
that is tracked is credit, how you use it, where
you use it, and all that. As we saw in
the episode the Young Lady was in, is that it
tracks everything. It also doesn't affect just you, but it
affects everyone dealing in the financial institution. That it affects
because the more fraud the financial institution has to deal with,
that means we're probably going to have to increase the

(58:53):
fees to compensate for all the fraud or the losses
that we have. So then that's going to affect you.
It's how much you're paying for financial services if you
can get the financial services.

Speaker 1 (59:05):
Wow, that's a lot.

Speaker 3 (59:08):
Just listening to you, you can tell that you've really done
a lot of homework. What do you think is one
of the biggest misconceptions that we, you know, have about
credit or money that black people reason why we spend it?
So fast, so we don't A lot of us don't
really accumulated the way we should. What do you think
is one of the biggest problems that contribute to that.

Speaker 2 (59:29):
Well, I've wrote a book called the Four Financial Languages, Right,
So if you're familiar with love languages, I talk about
the financial languages. And a lot of people don't really
understand their dominant financial language. And because they don't understand
the dominant financial language, it either controls them subconsciously or
they don't learn what they need to know or understand

(59:50):
to be able to build that wealth. Right. So, my
dominant financial language is spending. I'm a spender. My pleasure
principle is in the transaction. There is something organic, orgasmic
about swiping or doing a transaction.

Speaker 1 (01:00:03):
Right.

Speaker 2 (01:00:04):
But because I understand that, I know how I need
to be communicated, about how I communicate and what I
need to be able to advance myself financially. So for
a spender, if you tell a spender to budget, when
we hear budget, we hear diet die deprivation. I can't
and we ain't got time for that negativity in our life, right,
And so what we do is we rebel, and so

(01:00:26):
we know we need to save, we know we need
to invest, but because it feels like people are trying
to force us into doing that, we're going to rebel
and we're going to spend. So if don't tell me
not to spend my money, because I'll spend my money,
your money, and everybody else's money. What you need to
teach me how to do is how to spend it
on savings, how to spend it on investing, how to
spend it on giving and then savers. You know, if

(01:00:49):
you want to save as a spender, we save to
spend later. Okay, So when we can learn how to
communicate about money, understand what my languages. So I'm not
going to go hang out at them all because especially
like a best buyer or something like that, because I'm
a gadget queen. I'm not hanging out there because I
know I'm going to buy things I don't need. So
when you understand who you are, you can understand your limitations.

(01:01:12):
And I think that's one of the biggest things is
that we don't really understand and respect our financial language
so that we can communicate better about money. Because when
we have our communication, communication is not just talking, it's
about thinking. It's about reacting and how we do that.
When we respect it and understand it, then we can
start making better decisions about money and wealth building and

(01:01:33):
how to do that for ourselves.

Speaker 1 (01:01:36):
Wow, that's a lot, do you So?

Speaker 2 (01:01:39):
Where do people? Where does one start? Right?

Speaker 4 (01:01:43):
Like, you know, Okay, I'm twenty five years old, I'm
out of college, and now you know, I've got my
first job.

Speaker 2 (01:01:51):
Of course, I've got my.

Speaker 4 (01:01:52):
Student loans that need to be canceled, but you know,
we'll put that in a different show, right, that's a
whole other show. Yeah, different show. But you know, I've
got my student loans. But other than that, you know,
I don't really have any real responsibilities yet. What do
I do first? And how do we make it as

(01:02:13):
painless as possible for people to one understand and also
for them to get started? Because to your point, if
I've been waiting all my life for this job that
I now have, I'm I'm paralegal or you know whatever,
I'm you know, a nurse's assistant, and now I have
this nice check coming in, still living with my parents

(01:02:35):
or you know, making it happen, and then you tell
me all my money needs to be going towards investments
and saving, Well, what happens to the fun things that
I want to do or the things that I was.

Speaker 2 (01:02:46):
Never able to afford exactly. And so I never tell
anybody you need to take all your check and spend
and invest it all and everything like that, because then
you're going to feel deprived. And deprivation is the beginning
of destruction. Right when we feel deprived of eating because
of diets, that is our that's the beginning of our
demise and destruction is now we're going to overeat because

(01:03:08):
I'm feeling deprived. I can't have my big MACI tell
me I can't have my big Mac anymore, and then
I ended up eating everything else that's not healthy. And
so what I tell people to do all the time
is you have to plan your spending. Name your dollars. Okay,
so if you want to get out of your mama's
and your daddy's house, well you know you're going to
need a down payment or you're going to need something,
So you're going to put money aside so you can

(01:03:30):
spend it on that later to help you get there. Now,
you know, start saving something sooner, definitely before you start
getting heavy debt. So we start getting heavy debt in
our thirties, right because we're getting the homes and the
nice cars and everything like that. In our twenties, we
have minimal debt. We have student loans, but you know,
they might as well cancel them. Like you said, I'm

(01:03:51):
very bitter about my student loans. But you know, start
putting aside money as much as you can because you're
going to need that cas later, whether you need it
for a down payment, whether you want to buy a
car or whatever. So most of the people were talking
to they are spenders, and a lot of people become
narcissistic spenders because they have never experienced this amount of money.

(01:04:13):
So I've been broke or my parents told me I
can't do it, and then all of a sudden, I
get this nice job and so now I'm making the money.
So you can't tell me not to spend my money.
I work hard for this. This is mine. So if
they don't have a plan or name their dollars, what's
going to happen is their dollars are going to dictate
what they can and can't do. So if they give
all their money out to the world, then the world's

(01:04:35):
not going to leave them anything back. Now, how do
you get started? Well, you get started, you can google.
Google's a girl. She knows everything. If you want to
learn about how do I invest, how do I do this,
or whatever, it's going to lead you to different apps.
It's going to lead you to money professionals like myself
or financial advisors or whatever. There's a whole black and
brown community of us that talk about financial literacy, you know,

(01:04:56):
depending on what you want to talk about. My girl
budget lista, my fab five finance. We have a whole
few of us out there, but a lot of people saying, well,
I don't know where to go. Hell, you google everything else.
You can google how to invest, how to build wealth,
you can do that. So that excuse I don't. I
don't play with that excuse anymore. So I don't give

(01:05:16):
sympathy to stupidity. Because if we want to learn something,
we will find a way to figure it out. We
will google it, we will ask the right person. Had
the young lady, she was brilliant, she had a brilliant mind.
She just used it in the wrong way. But she
figured things out. And we want to figure something out,
we'll figure it out.

Speaker 3 (01:05:35):
That's a that's an amen moment, Right, we're gonna figure
it out or we're not gonna figure it out. So
based on being a financial you know, expert, and you
talked about how many how many more experts, especially we
have a lot of black financial experts out there. Do
you think that as a whole we're getting better with our.

Speaker 1 (01:05:55):
Finances, that we're doing more.

Speaker 3 (01:05:57):
Are you seeing, you know, more people moving in the
right diation with this information? Are you seeing the growth
of we're moving towards being more than just two percent
of the wealth in America? Do you think that we're
going to get past that eventually?

Speaker 2 (01:06:11):
I do believe that we're going to get past that.
That's something that we're going to have to start training
ourselves to do and start teaching our children how to
do so that we can become better at it. Right,
so we can't teach what we don't know. The great
thing is it's now sexy. You know, we're making black
wealth sexy. Black wealth matters is sexy, so people want
to learn more about that and building legacy wealth and

(01:06:33):
building wealth. So more people are going to that mantra,
which is a good thing. The scary thing is is
that it gives people an opportunity to do the wrong thing.
So there's a lot of people building wealth with misinformation,
you know, even dealing with the irs, you know, with
with the you know, even some cryptocurrencies. Not all cryptocurrencies

(01:06:53):
are bad, but there are some organizations that teach the
wrong information. And so a lot of us want this
get rich thing that if you put in five dollars
you can give them give a million dollars. I can't
remember what susu type things. So people have to be
very careful with those type of things because they're working
off of your ignorance. So how to you got me?

(01:07:17):
So you have to be able to discern or to
do some research, you know what I'm saying. Shop around,
That's what I tell people all the time. If you
like shopping, you shop around to find the best deal. Well,
sometimes you have to shop around to make sure the
information is correct, make sure there's some legitimacy, because there's
a lot of people that are on social media that
sound like they know what the hell are talking about,

(01:07:39):
and they don't. But there's people plying into it. So
the only person that's making money is the person that's
giving out the misinformation. So you have to be very,
very careful with those things. But wealth building is becoming sexy,
and so we are seeing more people that are willing
to talk about it, that want to learn more about it.
But right now it's about how do we transfer that
knowledge into the people that are coming behind us are children,

(01:08:03):
because that is where we're going to see the wealth.
You know that's building, It's that legacy. It's a garden
that you never get to see, you know, shout out
to what Hamilton there. So I think that wealth building
is the time now to get on board and to
learn so that you can feel the remnants of it
and you can pass it down to your children and

(01:08:25):
children's children.

Speaker 1 (01:08:26):
I think that should be a course right now. Like
for kids.

Speaker 3 (01:08:29):
I think we should have like wealth classes, like you know,
credit and all these things I think we don't need
to pass.

Speaker 1 (01:08:36):
I think it actually should be in curriculum.

Speaker 2 (01:08:38):
I've been fighting for that for many years. What I
do love about and I keep shouting out, but Janisa
tiff me at least you know, she's my sister. She's
a really good friend of mine. But she fought to
get financial literacy in New Jersey schools and it's it's
statewide you know, I'm fighting for it in Delaware because
that's where I'm fun from. And so it should be

(01:08:58):
a requirement because I'm required to learn a second language
which I don't really have to speak, but I'm not
required to learn how to balance an account or check
book or learn credit. And I've found that when I
do my Young Money series at high schools and universities.
I went to Cornell University and did Young Money series,
and it was surprising that they did not understand what
credit was. These are college students. They didn't understand what

(01:09:20):
credit was. They didn't understand their student loans. I have
a session I call Saveety Sally May where I teach
them about student loans. They didn't understand how to negotiate
their first salary. I do that as hire me as
a class, so I teach them the art of salary negotiations.
But that's something that has to be taught, and right
now it's an extracurricular activity or in colleges, it's in

(01:09:41):
business classes. But what about those students that are not
business majors. It needs to be something that is a
fundamental requirement from if a person. You know, as soon
as I give a child a dollar and they know
what to do with it. That's when you need to
teach them financial literacy.

Speaker 4 (01:10:00):
That definitely needs to happen in it and I feel
like it should be a area I guess a portfolio
of the civil rights movement of something else that we
all fight for to make sure that when we're talking
about education, that we're actually fighting not just for financial literacy,
but also there are other things that our young people

(01:10:23):
need to be learning about life that is not included
in the current curriculum.

Speaker 2 (01:10:28):
And my son not often to debate that.

Speaker 4 (01:10:30):
It is probably why so many of our young people
feel totally disconnected from the education that they're receiving, because
they don't feel like they're being taught. And by the way, unfortunately,
there are young people who are living like real lives
every day, like you know, they know what skills they need.
They already know that when they go to school and

(01:10:51):
they're learning I don't know, you know, geometry is something,
it's cool, But when I get home, I've got to
help my parents cook. I need to pick my brother's
sister up. I know I need a skill that I
can use so I can work somewhere on the weekend.
I don't know how to fill out an application like
these are real things that's happening in my life, and

(01:11:12):
you're telling me to draw one line from this side
to that side of the paper and not saying that
that's not important, but what is How is that going
to help me with what's going on back in my
neighborhood that I'm dealing with every day. So I think
you're one hundred percent right that it should be required.
And as you said, shout out to Budgetista and the

(01:11:34):
work that's being done in Jersey, but in New York,
Delaware and all across the country, especially when you have
mayors and governors who are actually listening, we should start
a trend the.

Speaker 2 (01:11:46):
Fighting for that in those communities. Yeah, I mean they
stopped teaching really, they started really stop really teaching with
the No Child Left Behind Act when that first came out.
Then they started teaching to test because they started holding
teachers accountable for passing tests, for students passing tests. And
that's where teaching nobody became fun. It became a requirement

(01:12:08):
to make sure students pass a test because you know
they there was home at you know, you at least
learned how to cook and do certain things, and a
lot of the schools are saying, yeah, well, now your
parents have to teach you. Well, the parents working two
jobs and you know, a latchkey kid, no one's there
to teach them. If the parents don't know how to
do it, they're not going to teach the kid. Although

(01:12:29):
they thought nobody taught them. Nobody's talk parents, Which brings
me to my last two questions before you go there.
Quick questions though.

Speaker 4 (01:12:39):
One, do wealthy white folks or just white people who
are doing better than some of us, do they have
people that like walk them through every step of this stuff,
Like how do they know so much better than us
how to deal with credit and to you know, be

(01:12:59):
more are financially literate? That's one question, And then the
second question is NFTs. I have two separate threads of
text messages and just in my life in general. One side,
everybody's excited, everybody's for it. The other side they're bashing
it like crazy, sending articles every day saying it's terrible,

(01:13:22):
it's no good. This went on during the Christmas holiday,
and I thought everyone was on board that NFTs was good,
and then I started getting these messages from this other
thread where they're saying that it is a it's a scam.
So I just wanted to get your perspective on those
two things. How are wealthy wealthy are and particularly white folks,

(01:13:44):
how do they learn what to do from a financial
financial literacy perspective?

Speaker 2 (01:13:48):
And then the NFT new phenomenon. Okay, so the first
question I'm gonna ask you this question rhetorically, who built
the system? That's right, who built the financial system, who
built the credit system? And of course if that person,
if it you know, if they are Caucasian or whatever,

(01:14:10):
if they have been a part of the process generations, generations,
generations ago of doing that. They've seen wealth in the past,
They've seen how their parents, so they have a model
that they're doing right. Think about how we came to
this country, Think about how we're doing wealth and infraction
of us have built wealth, major, major wealth. But what

(01:14:33):
they did was they paid attention, probably to the white
people that were building wealth, and they model the behavior.

Speaker 1 (01:14:39):
Wow.

Speaker 2 (01:14:39):
So if we don't have something to model the behavior
of we can't teach it or we can't model the behavior. Well,
we are modeling the behavior, but we're probably modeling the
behavior of poverty. Right. Unbeknownst to ourselves. We think that
we're teaching about being rich and all that stuff. But
are we modeling a wealth behavior, a wealth mindset? You know,

(01:15:02):
law of attraction? Do we really understand it? Do we
believe it? You know? Do are we teaching it? So
there is a model of that. Most of the people
that are wealthy, they believe in the law of attraction,
They believe in the understanding of that. What you think,
your thoughts become things. They go to people, or they

(01:15:23):
look at people who are making the money, seeing what
they're doing, and they model the behavior, or they ask
for mentorship, or they do certain things. A lot of
us we just think that because we were slaves, because
we did this, y'all supposed to help us out. And
it just doesn't work that way. If we want to
take over and become a model of wealth to our families,

(01:15:45):
we have to take control and said I'm going to
learn this, I'm going to do this, and not wait
for someone to give me penance or someone to say, Okay,
we're going to give you a million dollars because I
promise you if someone says, you know what, reparations we're
going to get every black person one hundred thousand dollars,
I bet you ninety percent of that one hundred thousand

(01:16:06):
dollars are going to be spent in white communities or
in white stores. Right, It's not even gonna stay in
our community. We're having a hard time trying to convince
people to buy black. So I think that it's something
that was modeled because they built the system, and those
that want to grow up with a wealth mindset and
give legacy, they are modeling. They're learning, their researching that

(01:16:30):
behavior and replicating those services. Now, as far as NFTs,
I'm not an EDFT expert, nor do I play one
on TV. I've seen the same thing as you where
they say the NFTs are the next best thing, and
then I've seen on there it's a fraud, just like
crypto currency. So it's reminding me of the cryptocurrency when
it started coming out, when they say if you get

(01:16:51):
in now, you're going to make millions of dollars and
the other side is it's a hoax, you know, or whatever.
But as much as people want to say about cryptocurrency,
cryptocurrency is still here. You know what I'm saying. It
started out at ten thousand dollars. Now it's at fifty thousand,
all right. Where it's going to go I don't know.
But there's countries that are investing in cryptocurrency, there are

(01:17:11):
financial institutions that are considering cryptocurrency NFT. I don't know enough.
I'm still researching it to figure out what it is,
how it's going to benefit. My whole thing is how
can I leverage that into spending money? Because they said
I made a million dollars or NFT, but is it
really hard cash money? So that's where I say, before
you jump into a whole bunch of things, you got

(01:17:33):
to do your research and make sure you're not buying
into misinformation. And if NFT is your thing and you've
done your research, go with God, make the millions of dollars,
but don't just jump on it because it's the next
best thing, because that can, you know, make it go
broke too.

Speaker 3 (01:17:48):
That's definitely the truth. I want to say, thank you.
You've giving us so much information today. You know a
lot of what you said about just schooling, especially what
you said about who created the system. You know a
lot of us we didn't have access to that system.
A lot of you know us don't even know. But
when we do learn, we're able to capitalize fast. So

(01:18:09):
you know, that's what that I model. I try to
do that. I try to get information and bring it back,
you know, piece by piece.

Speaker 1 (01:18:16):
The whole NFT thing is still new. We still researching,
but it's so many different things.

Speaker 3 (01:18:21):
I'm just glad to see that black people are taking
the initiative to figure out. Listen, we've been we haven't
had any part of this world for so many like
what do we need to do? You know, I'm glad
that that is a constant question. Everywhere I look, there
are different people who are educating themselves about wealth, about
generational wealth, about you know, education about how do we

(01:18:41):
continue to grow and evolve and get a piece of
this pot. So thank you for what you do. Thank
you for the information that you today. Continue to be
great queen. You know, tell everybody where they can follow you,
how they can get some of this wealth ofme knowledge
that you have. And you know, we need you to
continue to just keep educating because I'm a follower. I
need to get some of this amount of money that

(01:19:03):
you've got, you know.

Speaker 1 (01:19:03):
I needs.

Speaker 2 (01:19:05):
Awesome. You can definitely go to my website. Mautamoney dot com,
or you can follow me on social media, missmount of Money,
M S M A d A M M O and
e y connect with me, follow me. I'd love to
give you some virtual love out there, so thanks for
having me too.

Speaker 4 (01:19:22):
I'm following you right now, Miss Madam Money. That's MS
Madam Money and I'm.

Speaker 2 (01:19:28):
As m A D A M M O N e y.
Some people like to put an E in there, but
this M A D A M M O N e
Y not money. I'm going to follow you right now.
Thank you again for being with us today. Thank you.

Speaker 3 (01:19:42):
Wow man shout out to Tara Jackson Dope dope individual information.

Speaker 1 (01:19:49):
You know we need people like that, man.

Speaker 3 (01:19:51):
It's good that we have so many people now, especially
in our black and brown people who are getting so financial. Literally,
like before when I was you, it wasn't really a thing.
Were talking aboutw We're gonna get money, we want to
buy old things. Now you have people like Tarror who's
telling you how to keep money, how to make money,
how to invest money, how to you know how to
build credit, how what credit is?

Speaker 1 (01:20:12):
You know how to utilize things?

Speaker 3 (01:20:15):
So you know our kids are going to be better
than us, man, so shout out to Tarror for that information.

Speaker 4 (01:20:19):
Yeah, these kids are working like crypto and they're literally
they know how to do online trading. Like I'm online
and sometimes I sit up late at night and I
go into like the dark web, which is not really dark,
but like this, this whole if you will, of just

(01:20:40):
young people who are out here learning how to invest.

Speaker 2 (01:20:43):
They're making money off of crypto technology and whatnot because
they're already so much further ahead. And I guess we
were further ahead than our parents on different things as well,
you know. So that's a good thing.

Speaker 4 (01:20:56):
But the more that we instill it, and the more
that we talk about it, the more that we make
it a part of our everyday lives in our households
and our families, then our young people are going to
become more, as you said, financially literate. They're going to become,
you know, just better at understanding the dollar. And I

(01:21:17):
think a part of the thing for us is that
we have been so very much so focused on understanding
our voting rights that most of our young people, even
if they don't vote, they know there's a time when
people go to the polls and they cast their vote
and they understand.

Speaker 2 (01:21:34):
That system for the most part. Of course, there's many
details to the political system.

Speaker 4 (01:21:41):
That we don't know and we have to learn, but
we understand the fundamental basics. And that's because since the
beginning of time, not of the beginning of time, of course,
but since you know, since we've received our voting rights.
This is something that has been a staple of the
Black household to talk aboutout voting for president, to talk about,

(01:22:02):
you know, going to the polls, using your right to vote.

Speaker 2 (01:22:04):
People died for us to be able to vote.

Speaker 4 (01:22:07):
So now I think the same It applies to how
we have to instill the same type of messaging in
our young people and get them in the consciousness and
the awareness of what it looks like to use your dollar,
and not just your dollar, but your credit for the
greater good, not only of yourself, but of your entire community.

Speaker 1 (01:22:29):
She used to make it so many good points.

Speaker 3 (01:22:31):
She was talking about how kids aren't you know, in
certain we talk about how kids aren't thriving.

Speaker 1 (01:22:38):
Our kids aren't thriving in the school system.

Speaker 3 (01:22:40):
And I thought about my son telling me the exact
same thing.

Speaker 1 (01:22:44):
How you know is test based.

Speaker 3 (01:22:46):
Now it's not about you actually learning and things like that,
and our kids just need to be challenged. And I
think this new information and just wealth and all these
things and things that are challenges that challenges them and
gives them more opportunities.

Speaker 1 (01:23:00):
It also brings me to my I don't get it.

Speaker 3 (01:23:07):
You know, being from the inner cities and coming from
poverished communities and understand how poverty is violence and just
looking at where we are, like we're dealing with so
many different things, especially when it comes to violence in
our communities.

Speaker 1 (01:23:23):
Gun violence is at.

Speaker 3 (01:23:25):
An all time high, like I mean, it's just out
of control.

Speaker 1 (01:23:30):
And I think for me, I don't get how.

Speaker 3 (01:23:37):
Violence, gun violence and all this things has been incentivized
to our kids. You know, it's such a new trend.
I remember being twelve and thirteen and the quote unquote
ogs wanted to keep us away from that lifestyle. You know,
whatever they was doing, they tried to make sure that
we went to school.

Speaker 1 (01:23:56):
You know, they gave us money to keep us out
to school. I mean out of this.

Speaker 3 (01:24:00):
They gave us sports that you know, they threw basketball tournaments,
They did so many different things. Whatever they were trying
to do or whatever they were engaged in, they definitely.

Speaker 1 (01:24:09):
Wanted to keep us away, you know.

Speaker 3 (01:24:11):
And I just don't get now how these quote unquote
ogs are not trying to give the kids the game,
but they're trying to run game on the kids. And
they're giving the kids the guns, and they're giving them
send them out on these dummy missions and incentivizing them
to throw their lives away. Like I literally watch on
the internet every day where it's either bloggers or other

(01:24:33):
people doing things to incite violence with kids.

Speaker 1 (01:24:37):
These are not grown people.

Speaker 3 (01:24:38):
These are seventeen, sixteen, some thirteen year old kids. And
I just don't get how as a grown man that
you have it doesn't bother you, it doesn't hurt you,
it doesn't make you feel a moral responsibility to protect
and shield these kids from that lifestyle instead of.

Speaker 1 (01:24:56):
Leading them to it.

Speaker 2 (01:24:56):
Well, I think it's just on the internet now.

Speaker 4 (01:25:00):
When I was growing up in the housing projects in
Harlem called Manhattanville, we used to watch young people working
for the drug dealers, you know. We used to watch
kids ten eleven, twelve years old carrying out violence for
somebody who put them out there to go rob a

(01:25:21):
woman or to go be the shooter.

Speaker 2 (01:25:23):
We saw it.

Speaker 4 (01:25:24):
I mean there are young people or there are people
who are grown men in prison today because they listen
to somebody when they were young tell them to go
and do something crazy that ended up getting them twenty
five years, maybe even life.

Speaker 2 (01:25:37):
I don't think it's really new. I think that the.

Speaker 4 (01:25:40):
Same applies to everything that we're watching be glorified on TV.
Because the one thing I can on not on TV,
but on your cell phone, maybe on TV as well.
But the one thing I will say is that there
wasn't a market for it, right, and there is a
market now, so it's actually profitable.

Speaker 2 (01:25:59):
But it was always happening.

Speaker 4 (01:26:01):
It's just that there's a dollar amount and as you said,
and an incentive that has been placed on the lives
the murder, the brutality, the trauma of young people, of
black people, of brown people, of poor people. And I
think that's where we have to focus our attention on.

(01:26:21):
How do we make it where it is it is
no longer profitable for people to kill and make money
or to harm a woman and be able to get
X amount of views online that makes them look like
they're you know, they're popping, so you know, But but
I don't, I don't, I don't think that the acts
are different.

Speaker 2 (01:26:41):
I don't.

Speaker 1 (01:26:42):
I think well, I mean just I think, for me,
let me cut you off.

Speaker 3 (01:26:45):
I think being in the street right, being from the
streets right, I think there was a disdain for that.

Speaker 1 (01:26:51):
I don't think that it wasn't happening. Let me change
that words.

Speaker 3 (01:26:56):
Not that it wasn't happening. Those people weren't celebrated. The
people who were doing that, that were praying on the children,
they weren't celebrated. Like you weren't supposedly an og and
you had eleven year olds and ten year olds working
for you, and the rest of the ogs just like
you was cool with them.

Speaker 1 (01:27:12):
That wasn't something that was happening.

Speaker 3 (01:27:14):
Like when I was a young dude and we was outside,
they wasn't getting us at eleven and twelve years old.

Speaker 1 (01:27:19):
They just wasn't. They wasn't. It was OG's like, yo,
you know what are you doing? Man?

Speaker 3 (01:27:23):
Take your ass. They was trying to keep you off
the streets. I mean, that's just I think it were.

Speaker 2 (01:27:29):
I think you grew up in a different type of
community with different issues, even in the same city, because
where I grew up, it was celebrated. There were older
folks older men in particular, who preyed on the women
that they were sleeping with or the women who were

(01:27:50):
crackheads living in the building. I don't know if you're
supposed to call them crackheads.

Speaker 4 (01:27:54):
It's probably a more politically correct term and more respectable
current term. But they were addicted to crack. There were
people like that that folks prayed on, and they used.

Speaker 2 (01:28:06):
Their children, they used their children, and it and it
was and it wasn't. There was no outrage in our
community other than a few parents, of which my parents,
my parents were a part of. But it wasn't like
everybody in the community was like, hell, no, this is
not acceptable.

Speaker 3 (01:28:27):
Yeah, well, I guess, like you said, maybe I was
in a different part, but I know that most of
the ogs and even the ones that were hustling around us,
they didn't They didn't allow you to pray on children
and women.

Speaker 1 (01:28:39):
They just didn't. It just wasn't something that was okay,
you know.

Speaker 2 (01:28:43):
And you definitely you definitely could not shoot in a
park or while people was outside sitting on the bench.
That was like, you know, you were exiled from the
whole hood if you did that. That's a new thing
where you're just shooting in four year olds and five
being hurt. We didn't have that, Yeah.

Speaker 3 (01:29:04):
I mean I just for me, I didn't know as
many thirteen and fourteen year old shooters that I know today.
Like when I was yelling, we was thirteen. We was
having fun. We was playing basketball, we was playing football,
you know what I'm saying. We was into different things.
We had something else that we were doing. There was
a couple one or two that were you know, there
was like heavily doing shit.

Speaker 1 (01:29:25):
That we was like, what are you doing that for?

Speaker 3 (01:29:26):
But for the most part, at thirteen and fourteen, we
still had some level of a childhood, you know. And
I'm watching these thirteen and fourteen year olds now they've
literally stripped them of a childhood and moved them into
del Wood and then adult facilities facing life, you know.
So you know, I'm still of the mind state that
we got to protect our children, man, and I I

(01:29:49):
maybe it was happening, and maybe I was shielded. Maybe,
you know, I was lucky to be around what I
call real ogs that protected us. But I still don't
get it, still don't get how it is the new
thing and how it's just pretty much just advocated for
and promoted so highly.

Speaker 1 (01:30:08):
Well.

Speaker 4 (01:30:10):
On that note, one thing I can say that what
they say. One thing that's for sure, and two things
that's for certain is that you're going to work very
hard on trying to end the culture that is unfortunately
creeping into our communities. And you know, I'm proud to
see you really focus and sort of hone in on

(01:30:31):
what your contribution will be to society. You know, we're
all in the fight, but each one of us has
different areas that really move us. And for you, this culture,
this violent culture of the culture of turning our young
people into these freaking I don't know what you call them.

Speaker 2 (01:30:50):
I mean, I don't even want to use the words
to describe. But the pain and the trauma that's being
caused is very demonic, and I think the only way
we can fix it is having individuals like yourself and
a host of others coming together constantly wrapping our arms
around our young people.

Speaker 1 (01:31:09):
That's right, Boycott Black murder Man.

Speaker 3 (01:31:12):
We're not staying for the detriment of our babies no more.

Speaker 1 (01:31:17):
You're not praying on our kids.

Speaker 3 (01:31:19):
We're not calling you ogs, we're not respecting you, We're
not doing anything.

Speaker 1 (01:31:23):
If you're detrimental to our community.

Speaker 3 (01:31:25):
So with that said, we had another dope episode Politicians,
our first episode back after the new year twenty twenty two.
We look forward to being the number one.

Speaker 1 (01:31:37):
Podcast in the world.

Speaker 3 (01:31:39):
We're speaking into business because words become things, and we
want to say thank you for supporting us last year.

Speaker 1 (01:31:46):
We're going to do bigger and greater things this year.

Speaker 3 (01:31:49):
You got anything you want us to talk about anything,
make sure that you hit us on Street Politicians, pot
on Instagram, dm us, send us information if you have
any products. You know, we definitely got to have a
real business. Sure you have a real business. We showcase
small businesses on this platform. So we just want to
continue to grow. Man, thank you. We hope that this

(01:32:11):
year is better than last year. And like we always say,
I'm not gonna always be right to me. It's not
gonna always be wrong, but we both always and I
mean always be on that.

Speaker 1 (01:32:23):
That's how we all need

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