Brett Chestnut.
He is the Managing Director of Northwestern Mutual Goodwin, Wright Gwinnett. Brett launched his financial planning practice in 2015, experiencing tremendous success helping clients achieve financial security. As his firm expanded, his passion and natural aptitude for leadership became increasingly evident, underscoring his ability to influence and lead with vision. As the Firm’s first black Managing Director, Brett plays a pivotal role in attracting, equipping, and empowering others to launch their own financial planning practice. He is especially committed to drawing more diverse talent to the industry, engaging proven professionals who might not have previously considered the career. Through his unwavering efforts, Brett is driving a wave of financial empowerment in diverse markets. For the first time, many business owners and individuals are actively planning for their financial futures, fostering financial security and building generational wealth with their communities.
Company Description *
Northwestern Mutual has been helping people and businesses achieve financial security for more than 165 years. Through a comprehensive planning approach, Northwestern Mutual combines the expertise of its financial professionals with a personalized digital experience and industry-leading products to help its clients plan for what's most important. With over $627 billion of total assets1 being managed across the company's institutional portfolio as well as retail investment client portfolios, more than $36 billion in revenues, and $2.3 trillion worth of life insurance protection in force, Northwestern Mutual delivers financial security to more than five million people with life, disability income and long-term care insurance, annuities, and brokerage and advisory services. Northwestern Mutual ranked 110 on the 2024 FORTUNE 500 and was recognized by FORTUNE® as one of the "World's Most Admired" life insurance companies in 2024.
Talking Points/Questions *
Atlanta’s income inequality, the highest in the nation according to U.S. Census Bureau Data, continues to fuel a racial wealth gap where white households in Atlanta hold 46 times more wealth than Black households. This is a disparity driven by factors including income, home ownership, generational wealth transfers, debt, access to banking and capital, and business ownership.
Over the last decade, Northwestern Mutual’s Goodwin Wright office, a key financial services leader in Atlanta, has been intentionally focused on closing the wealth gap. The Goodwin Wright team, honored as Forbes Top Financial Security Professionals, has positioned itself at the intersection of financial empowerment, community and culture by:
Empowering first generation wealth builders with tools and strategies they need to build long-term financial success, including women-focused financial planning
Mentoring African American financial advisors, business owners, and entrepreneurs early in their careers
Investing in the local community through scholarships, a robust internship program, and financial contributions to support community initiatives
Questions for consideration:
In Atlanta, White households hold 46 times more wealth than Black households. Can you discuss the key factors that have contributed to this gap?
Northwestern Mutual’s Goodwin Wright office has been focusing on closing the wealth gap. Can you share more about the specific initiatives and programs you’ve implemented to address this issue?
How does the approach of empowering first-generation wealth builders, including women-focused financial planning, differ from traditional financial planning strategies?
Mentoring is a big part of your strategy, particularly for African American financial advisors, business owners, and entrepreneurs. How do you support these individuals, and why is mentorship such an important par
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hi, I'm Rashan McDonald.
Speaker 2 (00:01):
I host the weekly Money Making Conversation Masterclass show. The
interviews and information that this show provides are for everyone.
It's time to stop reading other people's success stories and
start living your own. If you want to be a
guest on my show, please visit our website, Moneymakingconversations dot
com and click to be a guest button. If you're
an entrepreneur, you have a product, motivational speaker, or somebody
(00:24):
making a difference in the community. My guest is the
manager director of Northwestern Mutual Good One Right Gwynette. He
is the black Managing director employs a major role in
attracting and empowering others to launch their own financial planning practice.
He's especially committed to drawing more diverse talent to the industry,
engage improving professionals who might not have previously considered this
(00:48):
as a career. Please welcome to Money Making Conversation Master Class.
A financial influencer Brett Chestnut.
Speaker 1 (00:54):
How you doing, chest Nut?
Speaker 3 (00:56):
How wonderful sir? How are you well?
Speaker 2 (00:58):
It's important that I bring in individuals like you.
Speaker 1 (01:01):
You're a difference maker.
Speaker 2 (01:02):
Talk about your role in the financial community, not just
in Atlanta because what you do here really does affect
people nationwide.
Speaker 4 (01:11):
Yeah, so when I first started back in two thousand
and this would have been man some time ago. This
has probably been twenty It's been ten years, So what
does that make in twenty fifteen. So around twenty fifteen
I shifted from the engineering world into the financial world,
which was kind of a big shift for me, and
(01:32):
probably for the first five years of my career my
role was to help people with their finances, so retirement
planning and the risk management, wealth management, and then got
into leadership around year four or five of my career.
And so one of my big functions now is to
help people think through their vocation. And I think the
financial world is one that I think is overlooked and
it shouldn't be. It's a wonderful career for the right person.
(01:54):
And so one of my big functions now is to
go out and to help people who are probably successful
now in their career, but they are what I call
a big career disturbed and they want more. They're looking
for more, they want more fulfillment than they want more money.
And a big part of my role is to help
them be very thoughtful in that journey, how to figure
(02:15):
out if this could be a good fit for them,
and to develop them and to groom them to be
in this space. And then obviously our mission is to
really help to or alleviate a financial what anxiety from
people's lives, and that's the work that we do.
Speaker 1 (02:32):
Now we have a conversation. You hear I talk.
Speaker 2 (02:35):
Now, talk to my audience and let them understand your role,
your importance.
Speaker 1 (02:41):
You see how Rashan McDonald talks.
Speaker 2 (02:43):
They've heard how you talk, brat but now we're at
the point where we're trying to get them to respond
to you and want to trust you.
Speaker 4 (02:54):
So you know, my vision for why I came into
this business was to help people financially to achieve their
dreams and their goals. I'm tired of people not chasing
their dreams because they can't financially. They don't have they
got to pay rent, they got to do this, they
got to take care of kids. I want people to
(03:14):
dream again. We're not dreaming no more. We're kind of
living because of obligation.
Speaker 3 (03:18):
We got this.
Speaker 4 (03:19):
I gotta get a job to do this, and I
get that, and some of us we got to do that.
Speaker 3 (03:23):
But I want us to dream again.
Speaker 4 (03:25):
And sometimes having resources and being really good stewards of
what the good Lord has given to us is the
start to be able to dream again. Also, I believe
that when we're born, we look like our parents, but
when we die, we look like our decisions. And I
want to help people be thoughtful in their decisions, which
(03:45):
is why I'm saying it's simple. We're making decisions, but
it's hard because some decisions are hard to make.
Speaker 3 (03:51):
It's hard to not spend when we kind of know
we have it. But again, in the end, we're going
to look like the decisions we made.
Speaker 4 (03:58):
And so if I can help people in that, and
one of their biggest decisions is their vocation. You know,
me as an engineer was a great job making really good,
good money, but something was missing for me, and I
had someone to help me be thoughtful in that.
Speaker 3 (04:12):
And so as I help.
Speaker 4 (04:13):
People think through their decisions and what's crazy about money,
I'm a part of everyone's biggest, you know, decisions they
got to make in their life. When they have a baby,
they call me. When they get married, they call me
when they get divorced, they call me when somebody dies.
They called me when they get a job, they called me.
When they lose a job, they called me. Every major decision,
I'm a part of it. And then one person by
(04:34):
itself can't do all this work that's out here in
this whole country. So I need to pour myself and
replicate myself so that I mean, the web effect of
the impact. You know, if I can create fifteen millionaires
in my lifetime, how much impact that those fifteen people
would do in their communities, how much money they would give,
I mean, how many mentors they would be. And so
(04:55):
that is the life's work of me I And we're
I mean, we're here for the help anybody think through
certainly their finances.
Speaker 3 (05:03):
Will spend time with them.
Speaker 4 (05:04):
For those who are in good careers, but kind of questioning,
you know what's next for me? I can help you
explore that. And odds are this may not be the
right fit. And that is what happens most of the time.
My role is to help them think through what is
the best fit for them, and that is what I do.
Speaker 2 (05:19):
There we go, I finally got bread, be cole sold
your brother.
Speaker 1 (05:25):
You know what I'm saying.
Speaker 2 (05:26):
Sometimes in this process of being you, I always tell
people Muhammad al Lee.
Speaker 1 (05:33):
Said he was the greatest.
Speaker 2 (05:35):
He was he was the first person who understood the
brand management as far as they're preserved. And then do
you all a sudden this came along prime time and
these brands that people called up or boasting and management.
But that's what the commercial is. That's what the commercial
commercial is. A car saying I got the best car,
(05:56):
a plane saying I can get you there faster than
anybody with comfort.
Speaker 1 (05:59):
These are what as individuals what you are.
Speaker 2 (06:02):
You are a brand brand and I brought you on
the show because you're a brand that looks like me.
Speaker 1 (06:10):
In a world that I am just a storyteller.
Speaker 2 (06:13):
You are a certified financial planner, certified in financial literacy.
You are a subject matter expert. And the more people
like that I see like that, I gotta be in
front of you to say, man, give it to me,
(06:34):
give me you, give me you. Sometimes I worked that
IBM for five years. My degree is in mathematics, so
I understand going where the dream where everybody told you
to be an engineering You got that degree. Everybody's proud
of you. Then you looked up one day you said,
I'm cool, but I'm not happy. And so a math
(06:54):
degree I tell people I have a math three today,
They go, huh, because that doesn't fit who I am.
And so when you look, I want to ask this
question directly from the car, what advice would you give
to someone starting their financial journey, particularly if they come
from a background where well building resources weren't readilarly available.
Speaker 3 (07:19):
The first thing I would do.
Speaker 4 (07:20):
I think it's a great eye opener is I know
people hate the word budget, and I'm not saying get
on the strict budget. I'm saying go back the past
three months, maybe two months, and you.
Speaker 3 (07:31):
Budget yourself and see where you spen money.
Speaker 4 (07:34):
And I guarantee you'll be surprised on what you say
your priority is and what your money says your priority is.
Speaker 3 (07:42):
And that would just probably wake them up to see, huh.
I thought that I cared about traveling.
Speaker 4 (07:48):
But undoubtedly I love to eat food more than I
do the travel. And so that's a great eye opener
moment to get because you got to kind of shape
people up a little bit to get them like aware,
and you will probably be amazed at wow, I spent
X amount of money on eating out the past three months?
Speaker 3 (08:07):
Is that really what gives me fulfillment?
Speaker 4 (08:10):
And that's the start of anything is just acknowledgment of
where you are.
Speaker 2 (08:14):
Wow, now I know that you're the managed director of
Northwestern Mutual going the right cornet, but how can you
explain me how Northwestern Mutual is working to invest in
and empowered diverse financial advisors and what this means for
the future of financial services in Atlanta.
Speaker 4 (08:35):
So we are very heavily you know, like invested in
you know what what, Well, let me say it this way.
The growth strategy for both Western Mutual has been in diversity.
Speaker 3 (08:48):
Uh, and that's no secret to that.
Speaker 4 (08:49):
And so we're very heavily what invested into growing these markets,
and not because they're diverse, it's because it not only
is it the right thing, but it's there. There's total
markets that hadn't been helped yet or hadn't even been
called on yet. And so and it's beyond just African American.
There's all kinds of cultures. But that's where I can
(09:10):
say I've seen it. I'm at that table.
Speaker 3 (09:12):
Uh.
Speaker 4 (09:13):
They are serious, and they are pouring resources and you know,
just more visibility, more marketing h to really really help
and when we get the call, we help. And that's
a that's a big thing when we if you call,
we're gonna help now. If you don't call, then good luck,
and we may call you one day if somebody refers
you to us.
Speaker 3 (09:33):
But you know, if you call us, we will help you,
no question about that.
Speaker 2 (09:38):
Love that, thank you with that, With that statement, how
do we reach you? Then, Brett, if we want to
make that call.
Speaker 4 (09:46):
You can email me at Brett dot Chestnut at the
NM Nancymary dot com. Uh, that'll probably be the most
effective way to reach me. And I have a whole
staff that nitor all of this, and we will make
sure that we respond to anyone who has questions who
may need help.
Speaker 3 (10:02):
I mean they want to get to an advisor.
Speaker 4 (10:04):
It may be me, it may be somebody from my team,
but we will be committed to helping anybody who may
have questions and to help them own their financial journey.
Speaker 3 (10:12):
I will commit to that.
Speaker 1 (10:14):
Here's the question, mentoring. We hear that a lot.
Speaker 2 (10:18):
I know when I go back and think about my life,
there were people who just gave me advice. I call
them keeping me on the straight and narrow, kept me
on the straight and narrow way before the word mentoring
became socially acceptable or that's the brand.
Speaker 1 (10:31):
Which is important.
Speaker 2 (10:33):
Mentoring is important in your role, in your company's role,
and tried to build the next generation of financial advisors
that look like us.
Speaker 1 (10:43):
What is the role of mentoring and how does it
play in this company?
Speaker 3 (10:48):
I think it's so important.
Speaker 4 (10:49):
I think it is a word that is victimized and
it's not used properly. Mentorship my mom always told me
growing up. She said, never judge anybody until you know somebody.
And to me, need to give someone feedback without relationship
is harassment. And so mentorship first starts with getting to
know the person, and.
Speaker 3 (11:08):
That sometimes takes time. So before I give.
Speaker 4 (11:11):
Anybody feedback or give them advice, let me hear your story.
Speaker 3 (11:15):
Start from a child.
Speaker 4 (11:16):
Let me hear about your parents, Let me hear about
you know where you're from, Let me hear about where
you went to high school, What sports did you play,
What did you do great? And where did you struggle?
What was your hardest thing that you had to face
so far in your life. Mentorships is really a more
intimate way. It's not coaching, it ain't training, it ain't development.
It's about the inner person. And to me, that's what
(11:37):
we do. Probably the best is get to know first,
and then that opens the door for everything else of
how to then develop that person into the better version
of them.
Speaker 3 (11:50):
We're not trying to change them to become me or
anybody else, but I.
Speaker 4 (11:53):
Know them so well I know exactly how to develop
that person.
Speaker 2 (11:57):
That is mentorship, secret agent, be like secret Age of
Double O seven Brett Chestnut, you know, managing direct us.
Speaker 1 (12:08):
Brother, you know, I appreciate you, Man, I really do.
Speaker 3 (12:10):
Man.
Speaker 1 (12:11):
And you're in Atlantic Is.
Speaker 2 (12:13):
We all know that as African American people of color,
all we want is a shot man.
Speaker 1 (12:19):
That's all That's that's all I want. And when I.
Speaker 2 (12:22):
See things on the news, I see things in the
media portraying or are denouncing the accomplishment we are making
in this industry that you are making in this industry
that you wouldn't place till you earned your slot to
make these wise and financial decisions that are changing people's lives,
not just.
Speaker 1 (12:39):
People of color. You're affecting everybody. That's the beauty of
who you are.
Speaker 2 (12:44):
And when you hear people denouncing, are playing down or saying,
we've just been plugged into these slots.
Speaker 1 (12:51):
And how do you react to that? Brent?
Speaker 3 (12:56):
You know I think that.
Speaker 4 (13:00):
Man, once we find out as a people who we are, man, Man,
what difference.
Speaker 3 (13:07):
You know.
Speaker 4 (13:07):
There are so many people that I've had, you know,
mentor through the years that I.
Speaker 3 (13:13):
Mean, many of them they kind of learned, you know,
who they are.
Speaker 4 (13:16):
My grandfather always told me once we would leave his house,
he would always say, Brett, he would say, now show
your blood when you leave here, Shaw your blood.
Speaker 3 (13:25):
Let them know who you are.
Speaker 4 (13:27):
And if we can get that back and we realize,
like it's not accidental that we're we have some really
incredible music, and we make some of the best foods,
and we dance, and I mean, we're special. And if
we can regain that confidence back and approach this marketplace
with that level of confidence in that you know, we're
(13:48):
good enough already, already we're good enough and you know,
and approach this marketplace with extreme confidence, which thing turns
into you being courageous.
Speaker 3 (13:59):
Man that diskies the limit.
Speaker 5 (14:01):
Please don't go anywhere. We'll be right back with more
Money Making Conversations Masterclass. Welcome back to the Money Making
Conversations Masterclass hosted by Rashaan McDonald.
Speaker 2 (14:18):
Now that's important because of the fact that we have
a weldcap out there, and we always talk about this,
wellcare I always talking about closing the black white wealthcap,
and whereas I don't know if that's possible that you
it's a good theory to talk about closing unless you
have a way that you can tell Rashawn McDonald this
is the approach to closing it. We've already talked about
the city of Atlanta where we're talking about the income
(14:41):
in quality is perception and lifestyle and decision makings. With
that being said, how do you close a wealthcap that
in my eyes, if the white people are in front
of you, they're not going to slow down so you
can catch them.
Speaker 1 (14:56):
So how do you close that?
Speaker 4 (15:00):
Well, I think it takes one generation to I mean,
really be self less. Uh, it got to start somewhere.
And I get that maybe that gap. You know, some
may argue it's too big, some say it's possible. That's
a whole different kind of debate. But I would say,
but it got to start somewhere. And what I can't
I mean, to really close the gap. What you can't
be saying is kind of things like, well, hey, I
(15:22):
don't really want to leave my kids or my grandkids
a whole lot because they're going to be, you know, spoiled,
and it's gonna be too much.
Speaker 3 (15:30):
They ain't gonna have no work ethic.
Speaker 4 (15:32):
Well what if they do have the work ethic because
you raised them well and they had the resources.
Speaker 2 (15:39):
I'm still struggling bred with cryptocurrency.
Speaker 1 (15:43):
I'm still trying to figure out what bitcoin is. And
did you say rashone? You know it's a generational thing.
Speaker 3 (15:50):
We catch up.
Speaker 2 (15:51):
But guess what, I'm confused. I'm not exactly trying to
get you to educate me. So I walk out of
this room and I can start investing in the crypto currency.
Speaker 1 (16:01):
But how do we get there?
Speaker 3 (16:05):
Man?
Speaker 2 (16:05):
How do we get that comfort zone to know that
the investing in these new lanes of our financial opportunity
can work for me? How can you get me that?
Speaker 1 (16:15):
Brett?
Speaker 2 (16:16):
I hope I'm not asking a question that it's like
putting you on the spot. But brother, I'm just speaking.
Speaker 1 (16:21):
I don't know.
Speaker 4 (16:24):
Well, you know, I think where it starts is. I
think what I see sometimes is people want to skip steps.
Speaker 3 (16:29):
They want to just skip the steps, go ahead.
Speaker 1 (16:35):
That's me.
Speaker 3 (16:37):
I think people.
Speaker 4 (16:39):
I mean not saving money, not having retirement, not having
I mean really no planning and then jump from that
to that straight to the crypto and you will be confused.
And I think that's not their proper approach to planning.
I would start with, okay, what have we done?
Speaker 3 (16:54):
What have we done? Well? Where are we starting from?
You got to build the foundation because see to even
have room for more little too things like crypto. And
you know, I.
Speaker 4 (17:03):
Think that the idea is everything has it's in place
in your plan. You're gonna have little bits, a little bit.
No one thing is, you know, going to change the world.
It's not going to be great or perfect. And then
no one thing is totally bad. It's all a matter
of context. And so that's a part of my role.
When I meet somebody new as a client, I first
want to understand them.
Speaker 3 (17:24):
I want to understand context.
Speaker 4 (17:26):
I don't want to really get what are we trying
to do, like what's the end game of all this?
And then there could be room for some of those
things like that. But I think that sometimes we're approaching
it kind of way too quickly and we're trying to
skip steps.
Speaker 1 (17:40):
Well I am that skip step guy.
Speaker 2 (17:42):
Okay, I'm just gonna let you know that I you know,
I've stuttering because I'm trying to see how I can
jump ahead of everybody.
Speaker 1 (17:51):
And it's just made simple.
Speaker 3 (17:52):
You know.
Speaker 2 (17:53):
I know that I got some little, maybe corny rules
that they tell me.
Speaker 1 (17:57):
If I shop at home Deepot, buy that stock.
Speaker 2 (18:01):
You know that if you're shopping on one Amazon, buy
that stock.
Speaker 3 (18:05):
You know, you know, buy.
Speaker 2 (18:06):
Stock based on where you participate or invest your money.
That's a logic that I have in my mind, not
saying it's right, but that's a logic that I've learned
and been pretty successful for me. Now, when I say
cryptocurrency or bitcoin, I don't know where I'm shopping. I
don't know how it connects to dots. And so that
is my role. And when I'm saying I'm trying to
(18:27):
skip the steps because I'm trying to get some little magical,
little lingo I can set down and get some level
of common sense into it.
Speaker 3 (18:36):
Well, I think one thing is it come to me
with the question.
Speaker 4 (18:39):
And I think one of my roles is to really
teach to educate, Like Okay, well, first off, why are
you asking me about this? Like what what's the real
reason you're asking me about? And you're bringing exam I
want to get rich.
Speaker 1 (18:51):
I want to get rich bread, I want to be rich.
I want to rich.
Speaker 4 (18:55):
Okay, And so once I know that, and then I say, okay,
so your real goal is to get it fast? Yes, fine, now,
and so then you know a part of me is
that then teach them on like, okay, do you understand
what this is?
Speaker 3 (19:08):
Now? That's why they said when you go to home depot,
then by the stock.
Speaker 4 (19:11):
Because you know what you be there. I mean, you
see it, you see the business. And so I think
there is a piece of this I think for any
investor will be wise is to educate themselves. And you know,
if you don't really understand, then maybe it ain't time
for you to yet to invest in it.
Speaker 3 (19:26):
You got to spend time on it.
Speaker 4 (19:27):
Now a person like me, my help is I can
make it more lay in terms probably and say all right,
this is what it reads like and it sounds complicated,
but let me break it down to you. And that's
why I do a lot. I do this for a
lot of my clients, is to help them understand, like
what is the stock.
Speaker 2 (19:42):
Market now that women dominate, especially African American women really
dominating the entrepreneurial space, launching small businesses. In the financial world,
there are a lot of traditional strategies that they have
been built up because guess what, people of color weren't participating.
So how are the new ways that you're introduced to
(20:04):
your opportunities, are new strategies to welcome especially women into
your diverse financial world.
Speaker 4 (20:15):
Well, you say new, I think I believe there's nothing
new under the sign. I think it's you know, kind
of going back to the basics, like if you just
save money for a long time, it's probably gonna work.
And that's what's not very new, but it kind of
feels new within this world. I think what's also new
(20:37):
is that you have me in this seat that can
talk language to you understand somebody.
Speaker 3 (20:42):
From a very different perspective. That is still kind of new.
Speaker 4 (20:45):
And so I think that and just understanding kind of
the what emotional ties. What's kind of funny about money
is it really is attached to so many parts of
our lives. I mean, you see marriages that you fail
because of money. You see people's faith it's tied to money.
You see people you know, kids and their happiness, and
(21:07):
there's so much attached to money.
Speaker 3 (21:08):
I think having a.
Speaker 4 (21:09):
Person that you can really connect with to understand the
feelings of it.
Speaker 3 (21:13):
And you know that resonates a lot.
Speaker 4 (21:15):
Not being very generalistic, but for a lot of women,
feelings are important, so tapping into their feelings and not
just approaching it all the time from logic, which is
mean thinking, you know that kind of left brain thinking.
I think that's a very big shift now is how
does this make you feel? How would you feel if
you couldn't have enough money for your kids to go
to college? I mean, I mean, forget about the math.
(21:36):
How does that make you feel? And I mean we're
seeing a lot of that today, which is making it
way more receptive for more women for sure.
Speaker 1 (21:43):
You know, Bret, you bringing humble guy.
Speaker 2 (21:45):
You know I'm gonna say that to you in a
complimentary way because humble people tend to see life so simple,
and when when you articulated, you know, the path of
getting there is really difficult because we don't have the
common sense. I'm not a common sense. I'm just a
guy who wants So when I go and see you,
I just want what I see on TV. If I
(22:07):
see a new car, I'm gonna go to a dealership
and try to find out how to buy that new car.
I'm gonna see a sticker, then I'm gonna do my
math and go. I can't afford that yet. Like you
told me, Rashan, you might not be ready for.
Speaker 1 (22:19):
That journey right then. Saved, saved, Save, Save.
Speaker 2 (22:23):
But if I can save Brett and watch that investment grow,
that's where you come in.
Speaker 1 (22:29):
That's the humble side of you. I'm trying to get
on this screen and tell the people you the man
can be talking.
Speaker 3 (22:37):
I be talking to the man bread you the man.
Stop all this humble talk.
Speaker 1 (22:41):
Brother, you on my show Money Making Conversation.
Speaker 2 (22:44):
Master Class, because I want you to tell us how
we can get to you. How Northwestern Mutual is trying
to create a diverse environment investing in people like us,
so we walk in we feel comfortable with feel and powered.
That's a humbleness that you have in you. I'm just
trying to I'm trying to be your bullhorn, brother, that's all.
(23:06):
I'm trying to do your bullhorn.
Speaker 4 (23:09):
I appreciate that. And here's why the temples all the time.
There really is no magic pill. I think we're looking
for one. But their answer. This is not me being humble.
It's just more like guys It really isn't complex.
Speaker 3 (23:21):
It's very simple. Now it's hard.
Speaker 4 (23:22):
Back to your point. But here's why I tell anybody
about hard. It's either going to be hard now or
hard later.
Speaker 3 (23:29):
We'll choose you hard, so there will be some discipline.
Speaker 4 (23:32):
I'm not saying, say, every penning to where you can't live,
because no, we're not guaranteed tomorrow, so we got to
live a little bit today.
Speaker 3 (23:39):
But there may need to be some discipline because if you.
Speaker 4 (23:42):
Want to be easy now, then the chances aren't it's
going to be hard later.
Speaker 3 (23:46):
And if you want to be easy later, it may
be a little hard now. And there's some balance between
those two.
Speaker 4 (23:50):
But that's really the magical equation is you got to
choose your hard where you can't avoid pain completely. I mean,
life is full of a lot of things up in then.
So it really is that simple. But I understand that
doesn't make it not hard. Well, Simpling had very different things.
Speaker 2 (24:28):
I got next to my interview. I'm sending the frost
you in person. You're not gonna do this to me
on the screen. Simpling hard, okay, worry Simpling hard. Those
two different words, brothers. He trying to throw them in
the same sentence, ain't no wait.
Speaker 3 (24:43):
I love it though.
Speaker 2 (24:44):
I love it because I always like honest conversations on
this show. Because in the end, man, you know I'm
older than you, So I walked through step state. Eventually
you're going to walk in and mentorship. And I hear
that's what's happen. You hear he's on my show, money
Making Conversation. That's Brett test Nutt. He's the managing director
(25:06):
of Northwestern Mutual and good one and right, Goodnett. Thank you,
brother for coming on Money Making Conversation master Class, and
I appreciate you. And I just want to let you know, man,
being humble is a great brother. But if you need
a bullhorn, Rashaw McDonald got your back, brother.
Speaker 1 (25:22):
And know this, this.
Speaker 3 (25:23):
Is just one of many interviews.
Speaker 2 (25:24):
Because what I don't do is like I establish relationships.
Speaker 1 (25:28):
And I also know that you can only get a.
Speaker 2 (25:30):
Message out is by continually showing that relationship. So three months,
let's talk again. And I know you have a different
strategy working out there. And if the world is going
to feel different, the stock market may be different, may
not have tarists who may have tarrants, but it's a
different global perspective and local perspective in the city of
(25:51):
Atlanta that we got to talk about.
Speaker 1 (25:53):
Thank you for coming to my show.
Speaker 2 (25:54):
This has been another edition of Money Making Conversation master
Class posted by me Rushawn McDonald. Thank you to our
guests on the show today and thank you for listening
to the audience now. If you want to listen to
any episode I want to be a guest on the show,
visit Moneymakingconversations dot com. Our social media handle is money
Making Conversation. Join us next week and remember to always
(26:15):
leave with your gifts.
Speaker 1 (26:17):
Keep winning.
Hi, I'm Rashan McDonald.
Speaker 2 (00:01):
I host the weekly Money Making Conversation Masterclass show. The
interviews and information that this show provides are for everyone.
It's time to stop reading other people's success stories and
start living your own. If you want to be a
guest on my show, please visit our website, Moneymakingconversations dot
com and click to be a guest button. If you're
an entrepreneur, you have a product, motivational speaker, or somebody
(00:24):
making a difference in the community. My guest is the
manager director of Northwestern Mutual Good One Right Gwynette. He
is the black Managing director employs a major role in
attracting and empowering others to launch their own financial planning practice.
He's especially committed to drawing more diverse talent to the industry,
engage improving professionals who might not have previously considered this
(00:48):
as a career. Please welcome to Money Making Conversation Master Class.
A financial influencer Brett Chestnut.
Speaker 1 (00:54):
How you doing, chest Nut?
Speaker 3 (00:56):
How wonderful sir? How are you well?
Speaker 2 (00:58):
It's important that I bring in individuals like you.
Speaker 1 (01:01):
You're a difference maker.
Speaker 2 (01:02):
Talk about your role in the financial community, not just
in Atlanta because what you do here really does affect
people nationwide.
Speaker 4 (01:11):
Yeah, so when I first started back in two thousand
and this would have been man some time ago. This
has probably been twenty It's been ten years, So what
does that make in twenty fifteen. So around twenty fifteen
I shifted from the engineering world into the financial world,
which was kind of a big shift for me, and
(01:32):
probably for the first five years of my career my
role was to help people with their finances, so retirement
planning and the risk management, wealth management, and then got
into leadership around year four or five of my career.
And so one of my big functions now is to
help people think through their vocation. And I think the
financial world is one that I think is overlooked and
it shouldn't be. It's a wonderful career for the right person.
(01:54):
And so one of my big functions now is to
go out and to help people who are probably successful
now in their career, but they are what I call
a big career disturbed and they want more. They're looking
for more, they want more fulfillment than they want more money.
And a big part of my role is to help
them be very thoughtful in that journey, how to figure
(02:15):
out if this could be a good fit for them,
and to develop them and to groom them to be
in this space. And then obviously our mission is to
really help to or alleviate a financial what anxiety from
people's lives, and that's the work that we do.
Speaker 1 (02:32):
Now we have a conversation. You hear I talk.
Speaker 2 (02:35):
Now, talk to my audience and let them understand your role,
your importance.
Speaker 1 (02:41):
You see how Rashan McDonald talks.
Speaker 2 (02:43):
They've heard how you talk, brat but now we're at
the point where we're trying to get them to respond
to you and want to trust you.
Speaker 4 (02:54):
So you know, my vision for why I came into
this business was to help people financially to achieve their
dreams and their goals. I'm tired of people not chasing
their dreams because they can't financially. They don't have they
got to pay rent, they got to do this, they
got to take care of kids. I want people to
(03:14):
dream again. We're not dreaming no more. We're kind of
living because of obligation.
Speaker 3 (03:18):
We got this.
Speaker 4 (03:19):
I gotta get a job to do this, and I
get that, and some of us we got to do that.
Speaker 3 (03:23):
But I want us to dream again.
Speaker 4 (03:25):
And sometimes having resources and being really good stewards of
what the good Lord has given to us is the
start to be able to dream again. Also, I believe
that when we're born, we look like our parents, but
when we die, we look like our decisions. And I
want to help people be thoughtful in their decisions, which
(03:45):
is why I'm saying it's simple. We're making decisions, but
it's hard because some decisions are hard to make.
Speaker 3 (03:51):
It's hard to not spend when we kind of know
we have it. But again, in the end, we're going
to look like the decisions we made.
Speaker 4 (03:58):
And so if I can help people in that, and
one of their biggest decisions is their vocation. You know,
me as an engineer was a great job making really good,
good money, but something was missing for me, and I
had someone to help me be thoughtful in that.
Speaker 3 (04:12):
And so as I help.
Speaker 4 (04:13):
People think through their decisions and what's crazy about money,
I'm a part of everyone's biggest, you know, decisions they
got to make in their life. When they have a baby,
they call me. When they get married, they call me
when they get divorced, they call me when somebody dies.
They called me when they get a job, they called me.
When they lose a job, they called me. Every major decision,
I'm a part of it. And then one person by
(04:34):
itself can't do all this work that's out here in
this whole country. So I need to pour myself and
replicate myself so that I mean, the web effect of
the impact. You know, if I can create fifteen millionaires
in my lifetime, how much impact that those fifteen people
would do in their communities, how much money they would give,
I mean, how many mentors they would be. And so
(04:55):
that is the life's work of me I And we're
I mean, we're here for the help anybody think through
certainly their finances.
Speaker 3 (05:03):
Will spend time with them.
Speaker 4 (05:04):
For those who are in good careers, but kind of questioning,
you know what's next for me? I can help you
explore that. And odds are this may not be the
right fit. And that is what happens most of the time.
My role is to help them think through what is
the best fit for them, and that is what I do.
Speaker 2 (05:19):
There we go, I finally got bread, be cole sold
your brother.
Speaker 1 (05:25):
You know what I'm saying.
Speaker 2 (05:26):
Sometimes in this process of being you, I always tell
people Muhammad al Lee.
Speaker 1 (05:33):
Said he was the greatest.
Speaker 2 (05:35):
He was he was the first person who understood the
brand management as far as they're preserved. And then do
you all a sudden this came along prime time and
these brands that people called up or boasting and management.
But that's what the commercial is. That's what the commercial
commercial is. A car saying I got the best car,
(05:56):
a plane saying I can get you there faster than
anybody with comfort.
Speaker 1 (05:59):
These are what as individuals what you are.
Speaker 2 (06:02):
You are a brand brand and I brought you on
the show because you're a brand that looks like me.
Speaker 1 (06:10):
In a world that I am just a storyteller.
Speaker 2 (06:13):
You are a certified financial planner, certified in financial literacy.
You are a subject matter expert. And the more people
like that I see like that, I gotta be in
front of you to say, man, give it to me,
(06:34):
give me you, give me you. Sometimes I worked that
IBM for five years. My degree is in mathematics, so
I understand going where the dream where everybody told you
to be an engineering You got that degree. Everybody's proud
of you. Then you looked up one day you said,
I'm cool, but I'm not happy. And so a math
(06:54):
degree I tell people I have a math three today,
They go, huh, because that doesn't fit who I am.
And so when you look, I want to ask this
question directly from the car, what advice would you give
to someone starting their financial journey, particularly if they come
from a background where well building resources weren't readilarly available.
Speaker 3 (07:19):
The first thing I would do.
Speaker 4 (07:20):
I think it's a great eye opener is I know
people hate the word budget, and I'm not saying get
on the strict budget. I'm saying go back the past
three months, maybe two months, and you.
Speaker 3 (07:31):
Budget yourself and see where you spen money.
Speaker 4 (07:34):
And I guarantee you'll be surprised on what you say
your priority is and what your money says your priority is.
Speaker 3 (07:42):
And that would just probably wake them up to see, huh.
I thought that I cared about traveling.
Speaker 4 (07:48):
But undoubtedly I love to eat food more than I
do the travel. And so that's a great eye opener
moment to get because you got to kind of shape
people up a little bit to get them like aware,
and you will probably be amazed at wow, I spent
X amount of money on eating out the past three months?
Speaker 3 (08:07):
Is that really what gives me fulfillment?
Speaker 4 (08:10):
And that's the start of anything is just acknowledgment of
where you are.
Speaker 2 (08:14):
Wow, now I know that you're the managed director of
Northwestern Mutual going the right cornet, but how can you
explain me how Northwestern Mutual is working to invest in
and empowered diverse financial advisors and what this means for
the future of financial services in Atlanta.
Speaker 4 (08:35):
So we are very heavily you know, like invested in
you know what what, Well, let me say it this way.
The growth strategy for both Western Mutual has been in diversity.
Speaker 3 (08:48):
Uh, and that's no secret to that.
Speaker 4 (08:49):
And so we're very heavily what invested into growing these markets,
and not because they're diverse, it's because it not only
is it the right thing, but it's there. There's total
markets that hadn't been helped yet or hadn't even been
called on yet. And so and it's beyond just African American.
There's all kinds of cultures. But that's where I can
(09:10):
say I've seen it. I'm at that table.
Speaker 3 (09:12):
Uh.
Speaker 4 (09:13):
They are serious, and they are pouring resources and you know,
just more visibility, more marketing h to really really help
and when we get the call, we help. And that's
a that's a big thing when we if you call,
we're gonna help now. If you don't call, then good luck,
and we may call you one day if somebody refers
you to us.
Speaker 3 (09:33):
But you know, if you call us, we will help you,
no question about that.
Speaker 2 (09:38):
Love that, thank you with that, With that statement, how
do we reach you? Then, Brett, if we want to
make that call.
Speaker 4 (09:46):
You can email me at Brett dot Chestnut at the
NM Nancymary dot com. Uh, that'll probably be the most
effective way to reach me. And I have a whole
staff that nitor all of this, and we will make
sure that we respond to anyone who has questions who
may need help.
Speaker 3 (10:02):
I mean they want to get to an advisor.
Speaker 4 (10:04):
It may be me, it may be somebody from my team,
but we will be committed to helping anybody who may
have questions and to help them own their financial journey.
Speaker 3 (10:12):
I will commit to that.
Speaker 1 (10:14):
Here's the question, mentoring. We hear that a lot.
Speaker 2 (10:18):
I know when I go back and think about my life,
there were people who just gave me advice. I call
them keeping me on the straight and narrow, kept me
on the straight and narrow way before the word mentoring
became socially acceptable or that's the brand.
Speaker 1 (10:31):
Which is important.
Speaker 2 (10:33):
Mentoring is important in your role, in your company's role,
and tried to build the next generation of financial advisors
that look like us.
Speaker 1 (10:43):
What is the role of mentoring and how does it
play in this company?
Speaker 3 (10:48):
I think it's so important.
Speaker 4 (10:49):
I think it is a word that is victimized and
it's not used properly. Mentorship my mom always told me
growing up. She said, never judge anybody until you know somebody.
And to me, need to give someone feedback without relationship
is harassment. And so mentorship first starts with getting to
know the person, and.
Speaker 3 (11:08):
That sometimes takes time. So before I give.
Speaker 4 (11:11):
Anybody feedback or give them advice, let me hear your story.
Speaker 3 (11:15):
Start from a child.
Speaker 4 (11:16):
Let me hear about your parents, Let me hear about
you know where you're from, Let me hear about where
you went to high school, What sports did you play,
What did you do great? And where did you struggle?
What was your hardest thing that you had to face
so far in your life. Mentorships is really a more
intimate way. It's not coaching, it ain't training, it ain't development.
It's about the inner person. And to me, that's what
(11:37):
we do. Probably the best is get to know first,
and then that opens the door for everything else of
how to then develop that person into the better version
of them.
Speaker 3 (11:50):
We're not trying to change them to become me or
anybody else, but I.
Speaker 4 (11:53):
Know them so well I know exactly how to develop
that person.
Speaker 2 (11:57):
That is mentorship, secret agent, be like secret Age of
Double O seven Brett Chestnut, you know, managing direct us.
Speaker 1 (12:08):
Brother, you know, I appreciate you, Man, I really do.
Speaker 3 (12:10):
Man.
Speaker 1 (12:11):
And you're in Atlantic Is.
Speaker 2 (12:13):
We all know that as African American people of color,
all we want is a shot man.
Speaker 1 (12:19):
That's all That's that's all I want. And when I.
Speaker 2 (12:22):
See things on the news, I see things in the
media portraying or are denouncing the accomplishment we are making
in this industry that you are making in this industry
that you wouldn't place till you earned your slot to
make these wise and financial decisions that are changing people's lives,
not just.
Speaker 1 (12:39):
People of color. You're affecting everybody. That's the beauty of
who you are.
Speaker 2 (12:44):
And when you hear people denouncing, are playing down or saying,
we've just been plugged into these slots.
Speaker 1 (12:51):
And how do you react to that? Brent?
Speaker 3 (12:56):
You know I think that.
Speaker 4 (13:00):
Man, once we find out as a people who we are, man, Man,
what difference.
Speaker 3 (13:07):
You know.
Speaker 4 (13:07):
There are so many people that I've had, you know,
mentor through the years that I.
Speaker 3 (13:13):
Mean, many of them they kind of learned, you know,
who they are.
Speaker 4 (13:16):
My grandfather always told me once we would leave his house,
he would always say, Brett, he would say, now show
your blood when you leave here, Shaw your blood.
Speaker 3 (13:25):
Let them know who you are.
Speaker 4 (13:27):
And if we can get that back and we realize,
like it's not accidental that we're we have some really
incredible music, and we make some of the best foods,
and we dance, and I mean, we're special. And if
we can regain that confidence back and approach this marketplace
with that level of confidence in that you know, we're
(13:48):
good enough already, already we're good enough and you know,
and approach this marketplace with extreme confidence, which thing turns
into you being courageous.
Speaker 3 (13:59):
Man that diskies the limit.
Speaker 5 (14:01):
Please don't go anywhere. We'll be right back with more
Money Making Conversations Masterclass. Welcome back to the Money Making
Conversations Masterclass hosted by Rashaan McDonald.
Speaker 2 (14:18):
Now that's important because of the fact that we have
a weldcap out there, and we always talk about this,
wellcare I always talking about closing the black white wealthcap,
and whereas I don't know if that's possible that you
it's a good theory to talk about closing unless you
have a way that you can tell Rashawn McDonald this
is the approach to closing it. We've already talked about
the city of Atlanta where we're talking about the income
(14:41):
in quality is perception and lifestyle and decision makings. With
that being said, how do you close a wealthcap that
in my eyes, if the white people are in front
of you, they're not going to slow down so you
can catch them.
Speaker 1 (14:56):
So how do you close that?
Speaker 4 (15:00):
Well, I think it takes one generation to I mean,
really be self less. Uh, it got to start somewhere.
And I get that maybe that gap. You know, some
may argue it's too big, some say it's possible. That's
a whole different kind of debate. But I would say,
but it got to start somewhere. And what I can't
I mean, to really close the gap. What you can't
be saying is kind of things like, well, hey, I
(15:22):
don't really want to leave my kids or my grandkids
a whole lot because they're going to be, you know, spoiled,
and it's gonna be too much.
Speaker 3 (15:30):
They ain't gonna have no work ethic.
Speaker 4 (15:32):
Well what if they do have the work ethic because
you raised them well and they had the resources.
Speaker 2 (15:39):
I'm still struggling bred with cryptocurrency.
Speaker 1 (15:43):
I'm still trying to figure out what bitcoin is. And
did you say rashone? You know it's a generational thing.
Speaker 3 (15:50):
We catch up.
Speaker 2 (15:51):
But guess what, I'm confused. I'm not exactly trying to
get you to educate me. So I walk out of
this room and I can start investing in the crypto currency.
Speaker 1 (16:01):
But how do we get there?
Speaker 3 (16:05):
Man?
Speaker 2 (16:05):
How do we get that comfort zone to know that
the investing in these new lanes of our financial opportunity
can work for me? How can you get me that?
Speaker 1 (16:15):
Brett?
Speaker 2 (16:16):
I hope I'm not asking a question that it's like
putting you on the spot. But brother, I'm just speaking.
Speaker 1 (16:21):
I don't know.
Speaker 4 (16:24):
Well, you know, I think where it starts is. I
think what I see sometimes is people want to skip steps.
Speaker 3 (16:29):
They want to just skip the steps, go ahead.
Speaker 1 (16:35):
That's me.
Speaker 3 (16:37):
I think people.
Speaker 4 (16:39):
I mean not saving money, not having retirement, not having
I mean really no planning and then jump from that
to that straight to the crypto and you will be confused.
And I think that's not their proper approach to planning.
I would start with, okay, what have we done?
Speaker 3 (16:54):
What have we done? Well? Where are we starting from?
You got to build the foundation because see to even
have room for more little too things like crypto. And
you know, I.
Speaker 4 (17:03):
Think that the idea is everything has it's in place
in your plan. You're gonna have little bits, a little bit.
No one thing is, you know, going to change the world.
It's not going to be great or perfect. And then
no one thing is totally bad. It's all a matter
of context. And so that's a part of my role.
When I meet somebody new as a client, I first
want to understand them.
Speaker 3 (17:24):
I want to understand context.
Speaker 4 (17:26):
I don't want to really get what are we trying
to do, like what's the end game of all this?
And then there could be room for some of those
things like that. But I think that sometimes we're approaching
it kind of way too quickly and we're trying to
skip steps.
Speaker 1 (17:40):
Well I am that skip step guy.
Speaker 2 (17:42):
Okay, I'm just gonna let you know that I you know,
I've stuttering because I'm trying to see how I can
jump ahead of everybody.
Speaker 1 (17:51):
And it's just made simple.
Speaker 3 (17:52):
You know.
Speaker 2 (17:53):
I know that I got some little, maybe corny rules
that they tell me.
Speaker 1 (17:57):
If I shop at home Deepot, buy that stock.
Speaker 2 (18:01):
You know that if you're shopping on one Amazon, buy
that stock.
Speaker 3 (18:05):
You know, you know, buy.
Speaker 2 (18:06):
Stock based on where you participate or invest your money.
That's a logic that I have in my mind, not
saying it's right, but that's a logic that I've learned
and been pretty successful for me. Now, when I say
cryptocurrency or bitcoin, I don't know where I'm shopping. I
don't know how it connects to dots. And so that
is my role. And when I'm saying I'm trying to
(18:27):
skip the steps because I'm trying to get some little magical,
little lingo I can set down and get some level
of common sense into it.
Speaker 3 (18:36):
Well, I think one thing is it come to me
with the question.
Speaker 4 (18:39):
And I think one of my roles is to really
teach to educate, Like Okay, well, first off, why are
you asking me about this? Like what what's the real
reason you're asking me about? And you're bringing exam I
want to get rich.
Speaker 1 (18:51):
I want to get rich bread, I want to be rich.
I want to rich.
Speaker 4 (18:55):
Okay, And so once I know that, and then I say, okay,
so your real goal is to get it fast? Yes, fine, now,
and so then you know a part of me is
that then teach them on like, okay, do you understand
what this is?
Speaker 3 (19:08):
Now? That's why they said when you go to home depot,
then by the stock.
Speaker 4 (19:11):
Because you know what you be there. I mean, you
see it, you see the business. And so I think
there is a piece of this I think for any
investor will be wise is to educate themselves. And you know,
if you don't really understand, then maybe it ain't time
for you to yet to invest in it.
Speaker 3 (19:26):
You got to spend time on it.
Speaker 4 (19:27):
Now a person like me, my help is I can
make it more lay in terms probably and say all right,
this is what it reads like and it sounds complicated,
but let me break it down to you. And that's
why I do a lot. I do this for a
lot of my clients, is to help them understand, like
what is the stock.
Speaker 2 (19:42):
Market now that women dominate, especially African American women really
dominating the entrepreneurial space, launching small businesses. In the financial world,
there are a lot of traditional strategies that they have
been built up because guess what, people of color weren't participating.
So how are the new ways that you're introduced to
(20:04):
your opportunities, are new strategies to welcome especially women into
your diverse financial world.
Speaker 4 (20:15):
Well, you say new, I think I believe there's nothing
new under the sign. I think it's you know, kind
of going back to the basics, like if you just
save money for a long time, it's probably gonna work.
And that's what's not very new, but it kind of
feels new within this world. I think what's also new
(20:37):
is that you have me in this seat that can
talk language to you understand somebody.
Speaker 3 (20:42):
From a very different perspective. That is still kind of new.
Speaker 4 (20:45):
And so I think that and just understanding kind of
the what emotional ties. What's kind of funny about money
is it really is attached to so many parts of
our lives. I mean, you see marriages that you fail
because of money. You see people's faith it's tied to money.
You see people you know, kids and their happiness, and
(21:07):
there's so much attached to money.
Speaker 3 (21:08):
I think having a.
Speaker 4 (21:09):
Person that you can really connect with to understand the
feelings of it.
Speaker 3 (21:13):
And you know that resonates a lot.
Speaker 4 (21:15):
Not being very generalistic, but for a lot of women,
feelings are important, so tapping into their feelings and not
just approaching it all the time from logic, which is
mean thinking, you know that kind of left brain thinking.
I think that's a very big shift now is how
does this make you feel? How would you feel if
you couldn't have enough money for your kids to go
to college? I mean, I mean, forget about the math.
(21:36):
How does that make you feel? And I mean we're
seeing a lot of that today, which is making it
way more receptive for more women for sure.
Speaker 1 (21:43):
You know, Bret, you bringing humble guy.
Speaker 2 (21:45):
You know I'm gonna say that to you in a
complimentary way because humble people tend to see life so simple,
and when when you articulated, you know, the path of
getting there is really difficult because we don't have the
common sense. I'm not a common sense. I'm just a
guy who wants So when I go and see you,
I just want what I see on TV. If I
(22:07):
see a new car, I'm gonna go to a dealership
and try to find out how to buy that new car.
I'm gonna see a sticker, then I'm gonna do my
math and go. I can't afford that yet. Like you
told me, Rashan, you might not be ready for.
Speaker 1 (22:19):
That journey right then. Saved, saved, Save, Save.
Speaker 2 (22:23):
But if I can save Brett and watch that investment grow,
that's where you come in.
Speaker 1 (22:29):
That's the humble side of you. I'm trying to get
on this screen and tell the people you the man
can be talking.
Speaker 3 (22:37):
I be talking to the man bread you the man.
Stop all this humble talk.
Speaker 1 (22:41):
Brother, you on my show Money Making Conversation.
Speaker 2 (22:44):
Master Class, because I want you to tell us how
we can get to you. How Northwestern Mutual is trying
to create a diverse environment investing in people like us,
so we walk in we feel comfortable with feel and powered.
That's a humbleness that you have in you. I'm just
trying to I'm trying to be your bullhorn, brother, that's all.
(23:06):
I'm trying to do your bullhorn.
Speaker 4 (23:09):
I appreciate that. And here's why the temples all the time.
There really is no magic pill. I think we're looking
for one. But their answer. This is not me being humble.
It's just more like guys It really isn't complex.
Speaker 3 (23:21):
It's very simple. Now it's hard.
Speaker 4 (23:22):
Back to your point. But here's why I tell anybody
about hard. It's either going to be hard now or
hard later.
Speaker 3 (23:29):
We'll choose you hard, so there will be some discipline.
Speaker 4 (23:32):
I'm not saying, say, every penning to where you can't live,
because no, we're not guaranteed tomorrow, so we got to
live a little bit today.
Speaker 3 (23:39):
But there may need to be some discipline because if you.
Speaker 4 (23:42):
Want to be easy now, then the chances aren't it's
going to be hard later.
Speaker 3 (23:46):
And if you want to be easy later, it may
be a little hard now. And there's some balance between
those two.
Speaker 4 (23:50):
But that's really the magical equation is you got to
choose your hard where you can't avoid pain completely. I mean,
life is full of a lot of things up in then.
So it really is that simple. But I understand that
doesn't make it not hard. Well, Simpling had very different things.
Speaker 2 (24:28):
I got next to my interview. I'm sending the frost
you in person. You're not gonna do this to me
on the screen. Simpling hard, okay, worry Simpling hard. Those
two different words, brothers. He trying to throw them in
the same sentence, ain't no wait.
Speaker 3 (24:43):
I love it though.
Speaker 2 (24:44):
I love it because I always like honest conversations on
this show. Because in the end, man, you know I'm
older than you, So I walked through step state. Eventually
you're going to walk in and mentorship. And I hear
that's what's happen. You hear he's on my show, money
Making Conversation. That's Brett test Nutt. He's the managing director
(25:06):
of Northwestern Mutual and good one and right, Goodnett. Thank you,
brother for coming on Money Making Conversation master Class, and
I appreciate you. And I just want to let you know, man,
being humble is a great brother. But if you need
a bullhorn, Rashaw McDonald got your back, brother.
Speaker 1 (25:22):
And know this, this.
Speaker 3 (25:23):
Is just one of many interviews.
Speaker 2 (25:24):
Because what I don't do is like I establish relationships.
Speaker 1 (25:28):
And I also know that you can only get a.
Speaker 2 (25:30):
Message out is by continually showing that relationship. So three months,
let's talk again. And I know you have a different
strategy working out there. And if the world is going
to feel different, the stock market may be different, may
not have tarists who may have tarrants, but it's a
different global perspective and local perspective in the city of
(25:51):
Atlanta that we got to talk about.
Speaker 1 (25:53):
Thank you for coming to my show.
Speaker 2 (25:54):
This has been another edition of Money Making Conversation master
Class posted by me Rushawn McDonald. Thank you to our
guests on the show today and thank you for listening
to the audience now. If you want to listen to
any episode I want to be a guest on the show,
visit Moneymakingconversations dot com. Our social media handle is money
Making Conversation. Join us next week and remember to always
(26:15):
leave with your gifts.
Speaker 1 (26:17):
Keep winning.
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