October 20, 2024 • 35 mins
Embark on a journey of emotional resilience, where life's unexpected twists are opportunities in disguise. In the midst of challenges, get a jump on the idea of creating a joyful inner-peace For yourself when it comes to personal fulfillment and finance. Inspired by the memorable spirit of “Rocky”, Your Neighborhood Finance BRO’s, Anton Leftwich and Michel DuPoux, bring you insights on how to "bend but not break" amidst financial and personal adversity. Learn how to adapt your budgets and mentality like a tree swaying in the wind, ensuring that you not only withstand the storm but come out stronger on the other side.
Picture this: savoring a slice of New York pizza, finding joy in simple pleasures while balancing the complexities of building your ideal life. We explore the delicate dance between financial realities and emotional well-being, urging our "Wealthians" to embrace a mindset of abundance even during scarce times. Through relatable stories and real-life scenarios, we discuss how to avoid complacency, stay alert, and maintain a hopeful outlook for the future, even as life's pressures mount.
Imagine living life with a mindset of military precision—Ready, Optimistic, Tenacious, and Committed (ROTC). We delve into principles that can transform how you approach personal growth and financial management. From creative entertainment hacks to leveraging existing resources, this episode is packed with practical strategies to maximize joy without breaking the bank. Feel empowered with the mantra, "I ain't broke because I'm using what I already got to get what I want", and unlock the potential within you to achieve your dreams, one step at a time. Tune in, and Turn up… See You At The Bank!! (SYATB)
Learn more about the FBN initiative and get access to all social media platforms at https://linktr.ee/fbnlinks
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
First and foremost, we want to be clear that what we
are sharing with you arestrategies and concepts that can
be implemented by individualswho understand the logistics of
how to approach such platformsas far as the literal, the
(00:27):
mental and spiritual formatneeded to be successful with
your aspirations what's up world?
Speaker 3 (00:58):
you're tuning into fbn and this is another episode
of finance Bros Network and I amthe one and a half of finance,
anton Lefwich.
Speaker 4 (01:07):
And this is Michael DePoe.
The other half and we arecoming to you live with finance
for everyday people.
We are honored to be here andto be able to serve our diverse
communities.
Yes, right as usual.
Speaker 1 (01:22):
As usual.
Speaker 3 (01:25):
Hey man, we kicked off season three real hard with
the plan, or die mike?
Yep, yeah, we're gonna followup.
You know we promised him we hada special episode for him.
So we, as now, as usually, we'regonna bring it all right.
And again, you know, we saidwith the plan or die.
Make sure you take that toheart everybody, because our
wealthy is out there.
It doesn't mean die physicallynecessarily, I mean inside we
(01:46):
could die, we could die mentally, we could die to our dreams, we
can die to our goals, we candie to our everyday good habits
that we've developed to get towhere we want to go.
So let's make sure we all takethat to heart.
Ladies and gentlemen, we'regonna go into this next episode
right now with some moreknowledge for y'all.
All right, there you go, thereyou go.
Speaker 2 (02:02):
It's ben don't break, ben don't break man mike man
that I got chills right now bro,because this, this, this hit
hard recently.
Speaker 3 (02:13):
All right, on this road we've been on, on this
journey that we've been ontogether, I mean it's been, it's
been going on about a year anda half now about a year and a
half a year and a half.
You know what I'm saying andand you know as as blessed as I
know we both feel to be on thisjourney, the adversity has hit
and it has hit like a mofo.
(02:35):
I ain't talking about like,like, not like, no, no, no, legs
, I'm talking gut shots allright shit.
Mike tyson shots like you knowwhat I'm saying we getting it,
we getting it.
It reminds me of I don't knowwhy, it just hit me right now.
It reminds me of the Rockymovie, when Apollo Creed knocked
down Rocky in the end of themovie.
(02:57):
And then the reaction on ApolloCreed's face when Rocky gets up
.
And not only does he get up,he's like come on, come on, come
on, give me some more, give mesome more.
That's adversity looking at us,mike.
That's adversity looking at ourwealthians every time they get
(03:20):
up from adversity, knocking themdown.
And that's what this means bybend don't break.
Get knocked down but get backup, fall over but get back on
course.
That's right, ben, don't break.
You feel what I'm saying.
Speaker 2 (03:35):
so, man, this is, this is so close to our hearts.
Speaker 3 (03:36):
Man, I'm gonna read these notes and I'm gonna
reiterate all right, so look,and obviously we're gonna kind
of focus on financial stresswith this episode.
There's gonna be some otherelements to it too, all right.
But right here, instead ofcrumbling under the pressure,
we're going to discuss how tobend without breaking, even when
money's tight.
All right, think of thisepisode One of our wealthiest
(03:58):
things in this episode, mike astheir survival guide to managing
financial strain while stayingresilient.
Wow, got a great acronym comingup later for that too.
All right.
And then life has a way ofthrowing curveballs, like we all
know, especially when it comesto money.
All right, and you can go backto our vodcast, the HHN TV
(04:19):
episode two, which is UPI'sright.
Tv episode two, which is UPIsright Our underprivileged income
families and we kind of talkabout what that means and how
we're switching up the narrativeto something positive, because
we're not going with that oldworld way, right?
Yep, yep, yep.
Speaker 1 (04:35):
Nope, don't say it.
We're not going to say it,we're switching it up.
Speaker 3 (04:39):
So, look, it's easy to feel like you're on the edge
of breaking.
We know that, we feel that, welive that All right.
So we right there with you,right there with our wealthy
ends.
Okay, but just like a treebends with the wind, we can bend
with financial pressureswithout snapping.
Oh, I like that man.
I love that bro, I like that.
Speaker 2 (05:00):
Hey man, hey man, hey man, Put the.
I like that.
Speaker 3 (05:02):
Man, man, man.
Hey, man put the seatbelt on.
I think we finna go off rightnow Put the seatbelt on man.
I'm feeling it man, serious man, that's real talk man.
You can bend without snapping.
You know what I'm sayingthere's give, there's give and
there's give and take.
Right, right.
Things are going to come at usin this world and things that we
want to do and best believethat when you get close, it will
(05:26):
hit even harder, because youare right there.
Yep, ain't that the truth?
I'm not going to get up and runaround, mike, go ahead.
Speaker 4 (05:34):
And you know what I was just thinking.
Like you adjusting your budgetfrequently, like that's the
bending part, right?
You constantly adjusting yourbudget, right.
You're constantly adjustingyour budget and and if you have
the wealthy and planner becausethings can, can, can go astray
easily, you know.
So we definitely could use thatto to to help us when we're
(05:58):
bending and avoid breaking.
You know, flexibility is keywhen you're working on a tight
budget.
Life change fast and so shouldyour spending plans.
You know if you, if anunexpected expense pops up,
shift things around, maybe skipa few you know non-essential
(06:19):
items or find temporary ways toreduce the bill.
Speaker 2 (06:23):
You know what I'm saying Love that.
Speaker 4 (06:28):
So just like you do for savings we spoke about in
the last episode where you haveto save.
Put a little money away forsavings.
You can set aside like $5 or$10 if, if, something comes up
and we have that on the plannertoo, right, yeah.
Yeah, we have emergency funds,you know, you can uh put
(06:52):
something away just in case anemergency, so it's not a a big
difference in your finance,right, right?
So putting a little five or tendollars away every paycheck
just in case something happens,why not?
Speaker 3 (07:08):
Yeah, I like that.
My, you know that.
You know, to start out, whenyou were talking about that is,
you know how you have a compassto make sure you don't get lost.
Can that financial planner beconsidered like a compass for
our wealthiness, for your?
Speaker 4 (07:20):
financial for your financial day to day and out
spending.
Speaker 3 (07:23):
Absolutely To keep track.
Speaker 4 (07:25):
all right, always focus or keep you in line, right
because the point of thecompass.
If you need to go north and youhead in south, that's a problem
, that's a that's an issue forsure that's a problem if you
need to, if you need to go westand you're going east that's a
problem.
Speaker 3 (07:42):
I think we've all been in the car, that one, that
on that lonely road, when youknow, maybe hopefully we had
someone with us and they werelike, hey, man, I think we're
going the wrong way.
Speaker 4 (07:53):
But the GPS says I don't care what the GPS says bro
, I think we're going the wrongway.
Speaker 3 (08:01):
Has that been updated recently?
Are we even on Wi-Fi right now?
Speaker 4 (08:08):
Oh my God, yeah, has that been updated recently?
Are we even on wi-fi right now?
Oh my god, yeah, there's nosignal.
There's no dps signal, andyou've been following it without
sniggle all this time.
Oh, you ain't got no signal.
You ain't got no single bro,you ain't got no signal I don't
know if they caught that.
Might catch that on the wayhome yeah, I was like what are
you gonna find out?
Speaker 3 (08:25):
you're gonna find out for sure, man, I love it.
And look, you know, avoidingfinancial guilt, mike, yeah
right, that's another thing.
Yeah, all right.
When you are in a upi statusagain, go back and watch the
episode on hntc to get the fullbreakdown.
All right, it's easy to feelguilty about spending on
anything that isn't necessary,that isn't or isn't a necessity.
Right right, all right.
(08:46):
But but beating yourself updoesn't help, obviously, all
right.
So allow yourself some smallpleasures within your means.
Within your means, emphasize onthat all right, it is about
balance.
All right, might not notdepriving ourselves, oh my god,
preaching.
Okay, that balance is key.
Oh, all right, that's so true.
And have a reward punishmentsystem okay say it okay, if I do
(09:10):
, if you got a business, or youknow what, if you, if you're
working a job, let's keep itreal, real simple.
All right, and you promiseyourself you're gonna work 60
hours this week, 20 hoursovertime, if overtime is
available to you, right, onceyou work that 20 hours overtime,
promise yourself you're gonnago buy yourself a little outfit
or something like that.
You know, I'm saying if youdon't fulfill that, then punt it
, then have a punishment system.
(09:31):
All right, now I'm gonna work acouple extra hours next week.
Right, and this is, this is allpart of the building confidence
, because they say thatconfidence, the quickest way to
build confidence is keep thepromises that we make to
ourselves.
All right, I was.
I had a couple, uh, I wasfasting lately.
I was promising myself I wouldnot eat on Sunday and not eat on
(09:54):
Monday.
I did that for about threeweeks in a row.
All right, just just try to cut, slim down a little bit and I
said I'm not going to eat Sundayand Monday.
And the first thing I didbecause I know myself, if I keep
it to myself, it's not that Iwon't do it, it's just less of a
chance.
So I went and told two peoplethat were real close to me
People that matter, People thatI care about the things that I
(10:18):
say to them that I actually doit Right right All right and it
helps me to focus on making sureI did that Right, right, right
and it, it.
It helps me to focus on makingsure I did that Right, right,
and then afterwards I rewardedmyself.
I went and got you filet.
Speaker 2 (10:28):
There, you go.
Speaker 3 (10:30):
Reward punishment system Okay.
There you go.
So it is a balance, don't we?
So we it's not about, you know,depriving ourselves.
It's all about balance, mike.
All right, worrying aboutfuture bills or what you don't
have can just take away yourpeace, all right.
So let's focus on the presentmoment and what we can do today,
(10:51):
all right.
So meditation, prayer or simplypracticing gratitude can help
ground you when financial stressis high.
All right, remember, we'rebending not breaking to avoid
being broke.
Whoa, I love that man and I'mgoing, and I just I went right
(11:12):
off the notes here to make sureI didn't miss a word, because
every single piece of that keyphrase is very, very crucial man
.
Speaker 4 (11:20):
And you know what, anton, I love I love what you
were saying there finding thatbalance.
You know, and that's one thing.
I didn't know any better, but Iknew, if I work hard and I pay
off, I always say to this,whatever I make, I'm going to
take at least 10% to dosomething for me, even if it's
(11:42):
something that I should be doing, it's something for me, right,
right, you know, if I have alittle bit left, I'm going to
maybe take 10, if I'm going toput savings in, maybe I'll take
10% of that saving, cause I justmentally, you bust your butt
the whole week, especially ifyou're working for the man he's
(12:02):
yelling at you.
You, especially if you'reworking for the man he's yelling
at you.
You're dealing with otherassociates, you're dealing with
traffic.
Hey, shout-outs to the peopleon the train who are listening
to us.
I know you backed up people.
You know, maybe somebody don'tsmell right right next to you,
right?
Speaker 3 (12:17):
now, man, mike, talk about it, man, talk about it, go
ahead and talk about it, youknow it's like oh, you in
traffic right now and you hopingto make it to the clock.
Speaker 4 (12:24):
because traffic is backed up for whatever, because
everybody is rubbernecking,because somebody hit somebody
else on the side, you trying tomake it to work on time and you
listening to us right now.
Speaker 2 (12:35):
You know what I'm talking about.
All that.
Speaker 4 (12:38):
And you're going to tell me at the end of my
paycheck I ain't going to dosomething for me.
You got me messed up, bro, Ithink somebody something for me.
You got me messed up, bro, Ithink somebody felt that you got
me messed up.
I'm gonna take a little bit,even if it only is a slice of
pizza that I'm gonna go buy andsit down and enjoy, because I
(12:59):
know I, I bought food, I put inthe fridge, I froze, I budgeted
this much, that much.
This is all I have.
But you know what, at the endof the week, some indulgement,
that balance, that's thatbalance.
And, like I said, a slice ofpizza, even though these days a
slice of pizza is almost $5.
(13:20):
God darn it.
I remember when it was $1.50,$1.25.
Speaker 3 (13:25):
Okay, I ain't gonna say that that's my, that's my
age.
I can't be talking like that.
But anyway, can I get a newyork slice?
Yo, that's how much they'rerunning up to these days.
Dang, that's.
You know, I ain't ever been tonew york.
Speaker 4 (13:38):
I go back to new york , all that all the time, visit
my parents, and then you know Igotta get me some new york
pieces or some raised piece oftony's pizza, and I get a slice
of that pizza and every time Ihow much I give you?
I just gave you five dollars,yeah, all right.
So you know, this is new york,they got no problem.
(13:58):
Looking at you like you crazy.
Yeah, you gave me five hours,you.
You got a problem, sir?
No, I don't have a problem.
Okay, let me just enjoy mypizza.
Speaker 2 (14:08):
But real talk, everybody that's that balance.
Speaker 4 (14:11):
That's what's up.
You work hard, you do all thesethings, you're budgeting, but
you got to do something for yourmental stability, something to
say okay, I was able to at leastdo this for me and that's
really, really important.
Remember, we told you seasonthree it's all about the
(14:32):
environment and your emotionalbeing with finance.
Yeah, and we're going to hit ithard.
We're going to try to hit ithome, because that's what we
deal with every day, that's whatour UPIs deal with day in and
day out.
So we wanted to make sure thatwe could hit them home.
And the other thing is justbelieving in abundance, even in
(14:55):
scarcity.
Remember I was just talkingabout you.
Just don't have that much.
This might sound controversialor kind of sorry,
counterintuitive, but having amindset of an abundance can
shift how you experiencefinancial struggle.
When you believe that bettertimes are ahead, it helps you
(15:17):
stay relevant or resilientduring tough periods, ignoring
reality, because reality isreality, but about trusting the
that things can and will improve.
You see that things can andwill improve, whether it's
(15:39):
stretching your last dollarremember that pizza or finding a
new way to save, rememberyou're not breaking, you're
bending with purpose youunderstand that man, that's good
man.
I think I see that t-shirt so so, yeah, just think about that,
(16:02):
because we constantly that'swhat we wanted to bring is you
know, you, you know, sometimeyou, you wonder or maybe you
guys are wondering out there howyou guys come up with these
titles and stuff like that.
Yeah, it's real life scenario,it's.
It's anton and I.
Just we constantly conversate,we, we always make it a plan.
Yeah, every single day we talk.
(16:24):
Every single day we talk, evenif it's in text, because
sometimes we both got our lives,we've got our families, we've
both got things that we're doing, but we're making that time.
Yeah, yeah.
And and then if you're goingthrough something and it hits
you, you're like you know whatour, our wealthiest needs to
know this?
(16:45):
oh, absolutely, our wealthiestneeds to feel what I feel we
lived it yeah we talk aboutbeing applicable to what we do
and what we.
This is it, ladies andgentlemen yeah, it ain't.
Speaker 3 (16:55):
It ain't all sunshine and rainbows ain't that the
truth?
Speaker 4 (16:58):
I don't know who's trying to sell that dream, but
and I I mean mike.
Speaker 3 (17:02):
We could seriously talk about how many times we've
been sold that dream it's hey,ever hear this one?
Do you ever hear this one?
It's easy, oh dang, all yougotta do is.
Speaker 4 (17:13):
You know what?
You know I've been, I've been,I've been, uh, uh, told a lot of
time.
Mike, you make it sound easy.
What do you know what struggleI've been through for this, for
it?
That I make it sound easy?
Yeah, that's, and you know what.
That's my personality.
You know I'm gonna I'm like youalways say, mike is gonna break
(17:33):
it down to the simple for you,and that's who I am.
But you know, real talk, ladiesand gentlemen, it is hard.
We're constantly bending, butguess what?
We're not breaking.
That's right.
We're not breaking, bro.
So, bro, and I hope this energyis calling out to every one of
our wealthiest out there,everyone who's listening If
(17:55):
you're bending right now, justdon't break.
Yeah, find a way, find a way toget back straight, and then
you're going to bend again.
Look, that's our life.
Life ain't perfect.
Speaker 3 (18:07):
For real man.
That's man, that's so deep andyou know, uh, I'm just thinking,
when you're talking about thatright now, you ever go into in
this, I'm just, you know, wegotta be real, mike yeah yeah,
you ever you ever go intosomebody's house, bro, and it's
filthy and they look, but theylook at you like what?
(18:29):
Yeah, what's wrong, what'swrong with you, bro?
At one time I truly believethat that person had a clean
house, okay.
Speaker 2 (18:42):
I'm just saying.
Speaker 3 (18:43):
Okay, and then all of a sudden it got a little
dirtier and a little dirtier.
And then I'm getting to mypoint right now.
Okay, all of a sudden, notcleaning, not doing this, not
doing that, it looking the wayit looked.
It might have messed with themthe first day, but then guess
what happened day two.
Speaker 4 (19:03):
Got a little easier.
I could deal with it.
Day three Got a little easier.
It's not so bad.
Speaker 3 (19:08):
Got day four Got a little easy.
It's not so bad.
Got day four got a little easy.
I'll get to it now.
I'm about to mess you up.
Oh, all of a sudden, this istheir new normal.
Speaker 2 (19:17):
Oh.
Speaker 4 (19:18):
Damn all of a sudden.
This is normal day five oh, itlooks clean.
And then to the point, for real.
This is real stuff right now.
Speaker 3 (19:30):
This is real stuff.
Right now, to the point whereyou walk in the house and you
looking around and they lookingat you, they caught a little
glimpse and they like what Icleaned up before you got here.
Oh okay, how dare you look atmy floor?
Hey, real quick, bro.
Speaker 4 (19:47):
There is no floor but whatever you say, whatever you
say you, whatever you say you.
Good, oh man, that's rightthere bro, it gets a little.
Speaker 3 (19:54):
This means it works for us and against us, right,
all right, it gets easier.
Right, that first day ofworking out.
We ain't worked out in a longtime.
It's hard, it's not easy, butit gets easier.
Yeah, all, it's not easy, butit gets easier.
Yeah, all right.
Day two it's still hard.
Right, it's not easy, but itgets a little easier.
Right.
So it can work for us.
(20:14):
It can work against us, right.
Having that freaking, havingthat, whatever we see when we
look in the mirror, it mightmess with us, but if we keep
letting it go on for too long,all of All of a sudden that
becomes our new normal Right,bro.
So, so, let, let's, let's go inthe let's go in the direction
of what's not easy but getseasier when we're improving on
(20:38):
our situation and not allowingour situation to get worse.
Speaker 4 (20:41):
Because it sounds like it works both ways.
If we're doing it, it getseasier, but if we're not doing
it, it gets easier, it getseasier, wow, wow, wow.
So so listen.
By the way, I just wanted toemphasize by day five.
If you think it's clean, youbroke, you're broken, you broke,
(21:03):
you broke, you ain't bending nomore.
Hey, mike, by day five, thathouse ain't clean.
And you think it's not bad?
You broke.
Speaker 2 (21:12):
Oh man You're broken.
Speaker 4 (21:14):
That's not what we're trying to talk about.
Bending is like, okay, I'll getto it and get into it.
Maybe day five you need tobring it back to day one Because
you're broke.
Speaker 3 (21:26):
Hey man, oh my God you ever seen that movie Good
Will Hunting?
Yeah, yeah, yeah.
Do you like apples?
Yeah, why you like them?
Speaker 2 (21:34):
apples, they're apples hey, well, we love y'all.
Oh my god, we pouring out ourhearts for y'all, oh my god, hey
look.
Speaker 3 (21:44):
Mike, so look, bringing it back.
I love this episode man this isa good.
This is gonna be the ones wecome back and listen to, for
sure.
Speaker 1 (21:51):
Over and over bro.
Speaker 3 (21:52):
All right, Look, look when, and so listen.
When you're grounded when we'regrounded in something bigger
than money, okay, it gives youthe strength to face financial
challenges with resilience.
All right, Just what we've beensaying.
I might be bending, but I'm notgoing to break.
Speaker 1 (22:09):
There you go.
Speaker 3 (22:09):
All right.
So that's what affirmationsounds like to me.
There you go.
I might be bending, but I'm notgoing to break.
Speaker 2 (22:14):
Right.
Speaker 3 (22:15):
All right, try saying that in the mirror three times
faster All right.
So look, we're going to breakit down real quick, but I had
this little you know, I got hithim for y'all.
Speaker 4 (22:28):
Get ready for it.
Here you come, so check thisout.
Speaker 3 (22:31):
In the army, in the military, they got this thing
called ROTC, you know what thatmeans.
Yeah.
It's reserve officers trainingcorps.
I got you.
They got some people.
They got some people goingaround doing stuff, just in case
.
Speaker 4 (22:48):
they got some people getting ready, just in case
right, because they constantly,constantly bending constantly
bro.
Speaker 3 (22:56):
Okay, somebody messed with america.
We got something, just in casefor you.
That's right.
We got a plan a, b, c andsomething.
If they it got people sittingaround thinking stuff up and
some people around there withthem thinking other stuff up yep
, thinking stuff up just to getstuff up exactly so it's always
being ready to stop having toget ready.
By the way, you know whatyou're a part of.
(23:17):
We know this is fbn mike, right, you know what we doing here,
what do you?
get ready for what?
What are you getting ready for?
You know we.
You know the path.
We've done the work right.
Get ready Right.
This is working out right now.
This is batting practice.
This is exercise.
This is fun for us.
Speaker 2 (23:33):
I'm having fun right now.
Speaker 3 (23:35):
You having fun right now, that's right.
You know what I'm saying.
We come together, we get inthis room and we just pour our
hearts out.
It's no question about what'sabout to happen when we get in
here.
That's right, all right.
So so we, so we are, we are, weare just flowing.
It's good.
We get to flow in our gifts,the gifts that were given to us.
We get to exercise that, allright.
So, rotc, they are.
(23:55):
Just have people always doingsomething, training, following
the formula, doing the thingsthat they already have up on the
board.
Speaker 4 (24:03):
It's on the board.
Speaker 3 (24:04):
Hey, marty, if you forget, just know what's up on
the board.
That's right, all right.
Rotc, that's what they do,that's what our military does.
So we got an FBN military, herewe go, all right.
So check this out or a militaryslaying for the FBN.
All right, we ain't got nomilitary here Exactly.
But we got our own version offor fbn.
(24:34):
Our wealthiest is resilienceoptimism, tenacity and
commitment.
Speaker 4 (24:35):
Oh, oh, that's our rotc.
Hey, we're gonna get that toour wealthiest wealthians going
forward.
Speaker 3 (24:38):
When we say rotc, you know what we mean there you go,
man, and it's a, it's a saluteto your dreams.
Speaker 4 (24:43):
Right, everybody making an affirmation yeah, why,
hey, wealthy.
Why don't we make it anaffirmation yeah, hey wealthy.
Why don't we make that anaffirmation?
Ain't much to say.
Say ROTC every day Resilience,right, optimism, tenacity and
commitment.
Speaker 3 (25:00):
We know, we know, we knows our brothers and sisters
out there Commitment, that's astrong word, that's a very
strong that's a strong word,yeah make it, make it your
affirmation, because becausewhen you're bending, when you're
bending, you got to make sureyou don't break that's right,
man, and the more you stretch,you know, the more you stretch,
like we stretch things right,like some, like some, uh, even
(25:22):
like we're talking aboutathletes in the last episode you
know they stretch and might notbe able to stretch all the way
the first time.
But day two, day three, day 15,day 30, all of a sudden you can,
you bending like you yeah, likeno other, nobody's business but
you're not pulling the muscle,though that's right, you know,
but you try to do it on day oneright, that might have hurt you,
but now, now you got the, yougot the habit that you built up,
(25:43):
the consistent, good habit thatyou built up of doing these
things, these, these exercises,while we talk about the wealthy
and planner reviewing itconsistently.
So these are not alien thoughtsthat we're having.
It's not alien things to us.
You know, going to say a no toourself for the Starbucks, we
can make you a cup of coffee athome.
It doesn't all of a sudden.
Yeah, it's hard the first day,right, but it gets easier, of
course.
(26:03):
All right, okay, so we'll hitit with the breakdown.
Let's break it with thebreakdown We'll get up on out of
here.
Speaker 4 (26:07):
Okay, here's the literal everybody.
Cut expensive creatively, notdiscreetly, instead of cutting
out all your entertainment andenjoyment.
You know I'm passionate aboutthat.
Find ways to be resourceful.
Look for free events in yourcommunity, borrow from library
(26:28):
instead of buying, or start aswap group.
You know how to have swap meet,swap group with friends or
neighbors that that way youstill enjoy life without
breaking the bank.
Ain't that cool?
Speaker 3 (26:43):
I love that brother ain't that cool, just just fine
with your neighbors.
Speaker 4 (26:47):
Get Guess what a lot of us brothers and sisters used
to still do.
I think we play dominoes, weplay spades, that's
entertainment.
How much it costs you, I mean,if you got to buy the dominoes
okay, a couple of dollars.
Speaker 3 (27:01):
A couple of dollars If you got to buy cars.
Speaker 4 (27:03):
cars still, unfortunately still a couple of
dollars these days.
Cars, cars still unfortunatelystill a couple of dollars these
days.
But you know what?
You're not breaking the bank,yeah.
Speaker 3 (27:09):
But you're finding a balance.
You need to exercise in yourmind too.
Speaker 4 (27:11):
Yeah, exercise in your mind having good
conversation with some peopleand you're socializing with
people and you didn't have to gospend because for these days a
couple to go to the movies isalmost like $40, $80 at the end
of the day with popcorn and sodaand all that.
That's ridiculous.
Yeah, let me play some spades,yo mental let's look at the
(27:34):
mental uh mental stay adaptable.
Life is unpredictable, and soare finances.
Real talk.
Instead of panicking whenthings don't go according to
plan, remind yourself thatflexibility is a strength
(27:54):
Bending.
Being mentally prepared topivot is half the battle.
Speaker 1 (28:02):
Gia Jo.
Speaker 4 (28:06):
You know, no, it's have to battle.
So you know, I know our gen zout there.
It's like all right.
Gen alpha I just found out genalpha is the new generation gen
alpha.
Speaker 3 (28:18):
Yeah, that's alpha they call them gen alpha.
Speaker 4 (28:21):
I think they were born from 2010 until now they're
called gen alpha.
So so we're hitting the gen z's.
We're hitting the Gen Z's,we're hitting the Gen Alpha's.
I know there ain't no GI Joethat you know about, but GI Joe
is you know is one of the thingsthey always say.
Knowing is half the battle.
Speaker 3 (28:41):
Yeah and yeah.
We went back to 85.
Speaker 2 (28:44):
So what.
Speaker 3 (28:45):
Yeah, we did that, that's cool we out here for
everybody.
Speaker 1 (28:49):
That's right, that's right.
Speaker 3 (28:50):
I love it and, of course, I'm going to give them
the spiritual.
And look, this is reiterating alittle bit, but I'm going to say
this again Find peace in thepresent.
All right, worrying aboutfuture bills or what we don't
have can take away our peace.
Focus on the present moment andwhat we can do today.
Meditation, prayer or simplypracticing gratitude can help
(29:13):
ground you when financial stressis high.
That's what's up.
This is so key right here, mike.
Yeah, I especially beinggrateful for what we have in
order to be prepared for what'scoming, for what more we will
have to work with.
Speaker 1 (29:32):
That's right Right.
Speaker 3 (29:33):
Because it just just.
I mean, we don't.
If we're not, if we're not ableto manage what we have in our
pocket, how are we going to beable to increase what we put in
the bank?
There you go.
Oh, did you?
Speaker 2 (29:44):
Dang.
Speaker 3 (29:46):
If we can't manage what we have in our pocket, how
we gonna be At a increase whenwe put in the bank?
Speaker 4 (29:50):
Oh man.
Speaker 3 (29:51):
Listen, listen.
That's not the t-shirt.
Speaker 2 (29:54):
You giving them a t-shirt, and it's not a t-shirt,
damn.
Speaker 4 (29:57):
But I love it.
I love it.
You just hit them With anothert-shirt brother.
Speaker 3 (30:01):
Yeah, I love it.
So that's what's up, brother.
Speaker 4 (30:04):
Let's be grateful for what we have and manage it,
that's it.
Speaker 3 (30:07):
So we can be blessed with more.
Speaker 4 (30:09):
But let's hit him with the official t-shirt.
Speaker 1 (30:11):
Go ahead and give it to him, Mike the official
t-shirt for this episode.
Speaker 4 (30:14):
I ain't broke because I'm using what I got to get
what I want.
Hallelujah, hallelujah.
Listen, ladies, and gentlemen,don't be broke.
Use what you got to get whatyou want.
It's simple, and you put thaton a t-shirt everybody's walking
around.
People will appreciate thatYou're spreading some good news.
Speaker 3 (30:36):
It's real talk, bro.
There you go, and the hook ofthat statement is it's already
in us.
That's right.
You're using what you got, whatyou've already been given, the
gifts you've been blessed with.
You're you got what you'vealready been given, the gifts
you've been blessed with.
You're not broke right, youhave something right.
We all have a place to startsomething.
There's something that thatgives us a burning desire inside
(30:56):
.
I know we all have that thingthat when we think about it, we
get, we got little hair stand up.
We kind of we kind of get ourback a little bit more straight,
you know, hold our chin up alittle bit higher when that,
when, especially when we end updoing that thing and we might
not even know what it is yet,but in the midst of doing that
thing, just kind of realize our,our persona, like, realize your
(31:17):
, your, your, your communicationat that time, realize your
energy at that time and see howit's heightened a little bit,
got a little pep in the step,look like when you walk, and you
got a little beat in your headyou know that's how we recognize
these things that we love.
Yeah, so know that we are notbroke.
There is something in each andevery one of us, all right, and
we can use that thing at anygiven time.
(31:38):
That's right.
Do it, don't do it, but justknow that if we're doing it,
we're gonna know when it'shappening use what you got.
Speaker 4 (31:44):
ladies and gentlemen, that's what's up, bro.
Bro, you ain't broke man, youain't broke, you ain't broke.
Speaker 3 (31:50):
You might feel like we ain't got nothing, but we
ain't broke.
That's what's up, and there's adifference.
That's what's up.
All right, brother, man, I'mdone.
What that?
Speaker 2 (31:58):
was good, hey man.
Speaker 3 (32:01):
Brother, always much love, wealth there.
You know we love y'all always,forever and a day.
We're very, very excited aboutwhat we're getting ready to just
continue to deliver.
In this season three of financebros network.
We're gonna be uh, we got someexciting news for you guys.
Not gonna not gonna give it toyou right now.
You know we like to keep somesurprises for y'all.
(32:22):
So we got some things we'regonna announce real soon.
We'll kind of give it in bitsand pieces as things start to
unfold.
But just know we always gotsome surprises In the chamber
waiting for y'all to shoot out.
So don't forget to check us outAll your social media podcast
platforms, apple Podcasts,iheartradio, spotify and, of
course, don't forget to see uson TV On the HHNTV app, the Hip
(32:46):
Hop Network.
Check out our our YouTube,instagram, tiktok it's on the
links, all there so you cancheck us out anytime.
And, of course, as usual, Iappreciate ya and you already
know we'll see you at the bank.
Peace out, y'all, take care.
Speaker 2 (33:12):
Thank you, thank you, thank you for watching.
First and foremost, we want to be clear that what we
are sharing with you arestrategies and concepts that can
be implemented by individualswho understand the logistics of
how to approach such platformsas far as the literal, the
(00:27):
mental and spiritual formatneeded to be successful with
your aspirations what's up world?
Speaker 3 (00:58):
you're tuning into fbn and this is another episode
of finance Bros Network and I amthe one and a half of finance,
anton Lefwich.
Speaker 4 (01:07):
And this is Michael DePoe.
The other half and we arecoming to you live with finance
for everyday people.
We are honored to be here andto be able to serve our diverse
communities.
Yes, right as usual.
Speaker 1 (01:22):
As usual.
Speaker 3 (01:25):
Hey man, we kicked off season three real hard with
the plan, or die mike?
Yep, yeah, we're gonna followup.
You know we promised him we hada special episode for him.
So we, as now, as usually, we'regonna bring it all right.
And again, you know, we saidwith the plan or die.
Make sure you take that toheart everybody, because our
wealthy is out there.
It doesn't mean die physicallynecessarily, I mean inside we
(01:46):
could die, we could die mentally, we could die to our dreams, we
can die to our goals, we candie to our everyday good habits
that we've developed to get towhere we want to go.
So let's make sure we all takethat to heart.
Ladies and gentlemen, we'regonna go into this next episode
right now with some moreknowledge for y'all.
All right, there you go, thereyou go.
Speaker 2 (02:02):
It's ben don't break, ben don't break man mike man
that I got chills right now bro,because this, this, this hit
hard recently.
Speaker 3 (02:13):
All right, on this road we've been on, on this
journey that we've been ontogether, I mean it's been, it's
been going on about a year anda half now about a year and a
half a year and a half.
You know what I'm saying andand you know as as blessed as I
know we both feel to be on thisjourney, the adversity has hit
and it has hit like a mofo.
(02:35):
I ain't talking about like,like, not like, no, no, no, legs
, I'm talking gut shots allright shit.
Mike tyson shots like you knowwhat I'm saying we getting it,
we getting it.
It reminds me of I don't knowwhy, it just hit me right now.
It reminds me of the Rockymovie, when Apollo Creed knocked
down Rocky in the end of themovie.
(02:57):
And then the reaction on ApolloCreed's face when Rocky gets up
.
And not only does he get up,he's like come on, come on, come
on, give me some more, give mesome more.
That's adversity looking at us,mike.
That's adversity looking at ourwealthians every time they get
(03:20):
up from adversity, knocking themdown.
And that's what this means bybend don't break.
Get knocked down but get backup, fall over but get back on
course.
That's right, ben, don't break.
You feel what I'm saying.
Speaker 2 (03:35):
so, man, this is, this is so close to our hearts.
Speaker 3 (03:36):
Man, I'm gonna read these notes and I'm gonna
reiterate all right, so look,and obviously we're gonna kind
of focus on financial stresswith this episode.
There's gonna be some otherelements to it too, all right.
But right here, instead ofcrumbling under the pressure,
we're going to discuss how tobend without breaking, even when
money's tight.
All right, think of thisepisode One of our wealthiest
(03:58):
things in this episode, mike astheir survival guide to managing
financial strain while stayingresilient.
Wow, got a great acronym comingup later for that too.
All right.
And then life has a way ofthrowing curveballs, like we all
know, especially when it comesto money.
All right, and you can go backto our vodcast, the HHN TV
(04:19):
episode two, which is UPI'sright.
Tv episode two, which is UPIsright Our underprivileged income
families and we kind of talkabout what that means and how
we're switching up the narrativeto something positive, because
we're not going with that oldworld way, right?
Yep, yep, yep.
Speaker 1 (04:35):
Nope, don't say it.
We're not going to say it,we're switching it up.
Speaker 3 (04:39):
So, look, it's easy to feel like you're on the edge
of breaking.
We know that, we feel that, welive that All right.
So we right there with you,right there with our wealthy
ends.
Okay, but just like a treebends with the wind, we can bend
with financial pressureswithout snapping.
Oh, I like that man.
I love that bro, I like that.
Speaker 2 (05:00):
Hey man, hey man, hey man, Put the.
I like that.
Speaker 3 (05:02):
Man, man, man.
Hey, man put the seatbelt on.
I think we finna go off rightnow Put the seatbelt on man.
I'm feeling it man, serious man, that's real talk man.
You can bend without snapping.
You know what I'm sayingthere's give, there's give and
there's give and take.
Right, right.
Things are going to come at usin this world and things that we
want to do and best believethat when you get close, it will
(05:26):
hit even harder, because youare right there.
Yep, ain't that the truth?
I'm not going to get up and runaround, mike, go ahead.
Speaker 4 (05:34):
And you know what I was just thinking.
Like you adjusting your budgetfrequently, like that's the
bending part, right?
You constantly adjusting yourbudget, right.
You're constantly adjustingyour budget and and if you have
the wealthy and planner becausethings can, can, can go astray
easily, you know.
So we definitely could use thatto to to help us when we're
(05:58):
bending and avoid breaking.
You know, flexibility is keywhen you're working on a tight
budget.
Life change fast and so shouldyour spending plans.
You know if you, if anunexpected expense pops up,
shift things around, maybe skipa few you know non-essential
(06:19):
items or find temporary ways toreduce the bill.
Speaker 2 (06:23):
You know what I'm saying Love that.
Speaker 4 (06:28):
So just like you do for savings we spoke about in
the last episode where you haveto save.
Put a little money away forsavings.
You can set aside like $5 or$10 if, if, something comes up
and we have that on the plannertoo, right, yeah.
Yeah, we have emergency funds,you know, you can uh put
(06:52):
something away just in case anemergency, so it's not a a big
difference in your finance,right, right?
So putting a little five or tendollars away every paycheck
just in case something happens,why not?
Speaker 3 (07:08):
Yeah, I like that.
My, you know that.
You know, to start out, whenyou were talking about that is,
you know how you have a compassto make sure you don't get lost.
Can that financial planner beconsidered like a compass for
our wealthiness, for your?
Speaker 4 (07:20):
financial for your financial day to day and out
spending.
Speaker 3 (07:23):
Absolutely To keep track.
Speaker 4 (07:25):
all right, always focus or keep you in line, right
because the point of thecompass.
If you need to go north and youhead in south, that's a problem
, that's a that's an issue forsure that's a problem if you
need to, if you need to go westand you're going east that's a
problem.
Speaker 3 (07:42):
I think we've all been in the car, that one, that
on that lonely road, when youknow, maybe hopefully we had
someone with us and they werelike, hey, man, I think we're
going the wrong way.
Speaker 4 (07:53):
But the GPS says I don't care what the GPS says bro
, I think we're going the wrongway.
Speaker 3 (08:01):
Has that been updated recently?
Are we even on Wi-Fi right now?
Speaker 4 (08:08):
Oh my God, yeah, has that been updated recently?
Are we even on wi-fi right now?
Oh my god, yeah, there's nosignal.
There's no dps signal, andyou've been following it without
sniggle all this time.
Oh, you ain't got no signal.
You ain't got no single bro,you ain't got no signal I don't
know if they caught that.
Might catch that on the wayhome yeah, I was like what are
you gonna find out?
Speaker 3 (08:25):
you're gonna find out for sure, man, I love it.
And look, you know, avoidingfinancial guilt, mike, yeah
right, that's another thing.
Yeah, all right.
When you are in a upi statusagain, go back and watch the
episode on hntc to get the fullbreakdown.
All right, it's easy to feelguilty about spending on
anything that isn't necessary,that isn't or isn't a necessity.
Right right, all right.
(08:46):
But but beating yourself updoesn't help, obviously, all
right.
So allow yourself some smallpleasures within your means.
Within your means, emphasize onthat all right, it is about
balance.
All right, might not notdepriving ourselves, oh my god,
preaching.
Okay, that balance is key.
Oh, all right, that's so true.
And have a reward punishmentsystem okay say it okay, if I do
(09:10):
, if you got a business, or youknow what, if you, if you're
working a job, let's keep itreal, real simple.
All right, and you promiseyourself you're gonna work 60
hours this week, 20 hoursovertime, if overtime is
available to you, right, onceyou work that 20 hours overtime,
promise yourself you're gonnago buy yourself a little outfit
or something like that.
You know, I'm saying if youdon't fulfill that, then punt it
, then have a punishment system.
(09:31):
All right, now I'm gonna work acouple extra hours next week.
Right, and this is, this is allpart of the building confidence
, because they say thatconfidence, the quickest way to
build confidence is keep thepromises that we make to
ourselves.
All right, I was.
I had a couple, uh, I wasfasting lately.
I was promising myself I wouldnot eat on Sunday and not eat on
(09:54):
Monday.
I did that for about threeweeks in a row.
All right, just just try to cut, slim down a little bit and I
said I'm not going to eat Sundayand Monday.
And the first thing I didbecause I know myself, if I keep
it to myself, it's not that Iwon't do it, it's just less of a
chance.
So I went and told two peoplethat were real close to me
People that matter, People thatI care about the things that I
(10:18):
say to them that I actually doit Right right All right and it
helps me to focus on making sureI did that Right, right, right
and it, it.
It helps me to focus on makingsure I did that Right, right,
and then afterwards I rewardedmyself.
I went and got you filet.
Speaker 2 (10:28):
There, you go.
Speaker 3 (10:30):
Reward punishment system Okay.
There you go.
So it is a balance, don't we?
So we it's not about, you know,depriving ourselves.
It's all about balance, mike.
All right, worrying aboutfuture bills or what you don't
have can just take away yourpeace, all right.
So let's focus on the presentmoment and what we can do today,
(10:51):
all right.
So meditation, prayer or simplypracticing gratitude can help
ground you when financial stressis high.
All right, remember, we'rebending not breaking to avoid
being broke.
Whoa, I love that man and I'mgoing, and I just I went right
(11:12):
off the notes here to make sureI didn't miss a word, because
every single piece of that keyphrase is very, very crucial man
.
Speaker 4 (11:20):
And you know what, anton, I love I love what you
were saying there finding thatbalance.
You know, and that's one thing.
I didn't know any better, but Iknew, if I work hard and I pay
off, I always say to this,whatever I make, I'm going to
take at least 10% to dosomething for me, even if it's
(11:42):
something that I should be doing, it's something for me, right,
right, you know, if I have alittle bit left, I'm going to
maybe take 10, if I'm going toput savings in, maybe I'll take
10% of that saving, cause I justmentally, you bust your butt
the whole week, especially ifyou're working for the man he's
(12:02):
yelling at you.
You, especially if you'reworking for the man he's yelling
at you.
You're dealing with otherassociates, you're dealing with
traffic.
Hey, shout-outs to the peopleon the train who are listening
to us.
I know you backed up people.
You know, maybe somebody don'tsmell right right next to you,
right?
Speaker 3 (12:17):
now, man, mike, talk about it, man, talk about it, go
ahead and talk about it, youknow it's like oh, you in
traffic right now and you hopingto make it to the clock.
Speaker 4 (12:24):
because traffic is backed up for whatever, because
everybody is rubbernecking,because somebody hit somebody
else on the side, you trying tomake it to work on time and you
listening to us right now.
Speaker 2 (12:35):
You know what I'm talking about.
All that.
Speaker 4 (12:38):
And you're going to tell me at the end of my
paycheck I ain't going to dosomething for me.
You got me messed up, bro, Ithink somebody something for me.
You got me messed up, bro, Ithink somebody felt that you got
me messed up.
I'm gonna take a little bit,even if it only is a slice of
pizza that I'm gonna go buy andsit down and enjoy, because I
(12:59):
know I, I bought food, I put inthe fridge, I froze, I budgeted
this much, that much.
This is all I have.
But you know what, at the endof the week, some indulgement,
that balance, that's thatbalance.
And, like I said, a slice ofpizza, even though these days a
slice of pizza is almost $5.
(13:20):
God darn it.
I remember when it was $1.50,$1.25.
Speaker 3 (13:25):
Okay, I ain't gonna say that that's my, that's my
age.
I can't be talking like that.
But anyway, can I get a newyork slice?
Yo, that's how much they'rerunning up to these days.
Dang, that's.
You know, I ain't ever been tonew york.
Speaker 4 (13:38):
I go back to new york , all that all the time, visit
my parents, and then you know Igotta get me some new york
pieces or some raised piece oftony's pizza, and I get a slice
of that pizza and every time Ihow much I give you?
I just gave you five dollars,yeah, all right.
So you know, this is new york,they got no problem.
(13:58):
Looking at you like you crazy.
Yeah, you gave me five hours,you.
You got a problem, sir?
No, I don't have a problem.
Okay, let me just enjoy mypizza.
Speaker 2 (14:08):
But real talk, everybody that's that balance.
Speaker 4 (14:11):
That's what's up.
You work hard, you do all thesethings, you're budgeting, but
you got to do something for yourmental stability, something to
say okay, I was able to at leastdo this for me and that's
really, really important.
Remember, we told you seasonthree it's all about the
(14:32):
environment and your emotionalbeing with finance.
Yeah, and we're going to hit ithard.
We're going to try to hit ithome, because that's what we
deal with every day, that's whatour UPIs deal with day in and
day out.
So we wanted to make sure thatwe could hit them home.
And the other thing is justbelieving in abundance, even in
(14:55):
scarcity.
Remember I was just talkingabout you.
Just don't have that much.
This might sound controversialor kind of sorry,
counterintuitive, but having amindset of an abundance can
shift how you experiencefinancial struggle.
When you believe that bettertimes are ahead, it helps you
(15:17):
stay relevant or resilientduring tough periods, ignoring
reality, because reality isreality, but about trusting the
that things can and will improve.
You see that things can andwill improve, whether it's
(15:39):
stretching your last dollarremember that pizza or finding a
new way to save, rememberyou're not breaking, you're
bending with purpose youunderstand that man, that's good
man.
I think I see that t-shirt so so, yeah, just think about that,
(16:02):
because we constantly that'swhat we wanted to bring is you
know, you, you know, sometimeyou, you wonder or maybe you
guys are wondering out there howyou guys come up with these
titles and stuff like that.
Yeah, it's real life scenario,it's.
It's anton and I.
Just we constantly conversate,we, we always make it a plan.
Yeah, every single day we talk.
(16:24):
Every single day we talk, evenif it's in text, because
sometimes we both got our lives,we've got our families, we've
both got things that we're doing, but we're making that time.
Yeah, yeah.
And and then if you're goingthrough something and it hits
you, you're like you know whatour, our wealthiest needs to
know this?
(16:45):
oh, absolutely, our wealthiestneeds to feel what I feel we
lived it yeah we talk aboutbeing applicable to what we do
and what we.
This is it, ladies andgentlemen yeah, it ain't.
Speaker 3 (16:55):
It ain't all sunshine and rainbows ain't that the
truth?
Speaker 4 (16:58):
I don't know who's trying to sell that dream, but
and I I mean mike.
Speaker 3 (17:02):
We could seriously talk about how many times we've
been sold that dream it's hey,ever hear this one?
Do you ever hear this one?
It's easy, oh dang, all yougotta do is.
Speaker 4 (17:13):
You know what?
You know I've been, I've been,I've been, uh, uh, told a lot of
time.
Mike, you make it sound easy.
What do you know what struggleI've been through for this, for
it?
That I make it sound easy?
Yeah, that's, and you know what.
That's my personality.
You know I'm gonna I'm like youalways say, mike is gonna break
(17:33):
it down to the simple for you,and that's who I am.
But you know, real talk, ladiesand gentlemen, it is hard.
We're constantly bending, butguess what?
We're not breaking.
That's right.
We're not breaking, bro.
So, bro, and I hope this energyis calling out to every one of
our wealthiest out there,everyone who's listening If
(17:55):
you're bending right now, justdon't break.
Yeah, find a way, find a way toget back straight, and then
you're going to bend again.
Look, that's our life.
Life ain't perfect.
Speaker 3 (18:07):
For real man.
That's man, that's so deep andyou know, uh, I'm just thinking,
when you're talking about thatright now, you ever go into in
this, I'm just, you know, wegotta be real, mike yeah yeah,
you ever you ever go intosomebody's house, bro, and it's
filthy and they look, but theylook at you like what?
(18:29):
Yeah, what's wrong, what'swrong with you, bro?
At one time I truly believethat that person had a clean
house, okay.
Speaker 2 (18:42):
I'm just saying.
Speaker 3 (18:43):
Okay, and then all of a sudden it got a little
dirtier and a little dirtier.
And then I'm getting to mypoint right now.
Okay, all of a sudden, notcleaning, not doing this, not
doing that, it looking the wayit looked.
It might have messed with themthe first day, but then guess
what happened day two.
Speaker 4 (19:03):
Got a little easier.
I could deal with it.
Day three Got a little easier.
It's not so bad.
Speaker 3 (19:08):
Got day four Got a little easy.
It's not so bad.
Got day four got a little easy.
I'll get to it now.
I'm about to mess you up.
Oh, all of a sudden, this istheir new normal.
Speaker 2 (19:17):
Oh.
Speaker 4 (19:18):
Damn all of a sudden.
This is normal day five oh, itlooks clean.
And then to the point, for real.
This is real stuff right now.
Speaker 3 (19:30):
This is real stuff.
Right now, to the point whereyou walk in the house and you
looking around and they lookingat you, they caught a little
glimpse and they like what Icleaned up before you got here.
Oh okay, how dare you look atmy floor?
Hey, real quick, bro.
Speaker 4 (19:47):
There is no floor but whatever you say, whatever you
say you, whatever you say you.
Good, oh man, that's rightthere bro, it gets a little.
Speaker 3 (19:54):
This means it works for us and against us, right,
all right, it gets easier.
Right, that first day ofworking out.
We ain't worked out in a longtime.
It's hard, it's not easy, butit gets easier.
Yeah, all, it's not easy, butit gets easier.
Yeah, all right.
Day two it's still hard.
Right, it's not easy, but itgets a little easier.
Right.
So it can work for us.
(20:14):
It can work against us, right.
Having that freaking, havingthat, whatever we see when we
look in the mirror, it mightmess with us, but if we keep
letting it go on for too long,all of All of a sudden that
becomes our new normal Right,bro.
So, so, let, let's, let's go inthe let's go in the direction
of what's not easy but getseasier when we're improving on
(20:38):
our situation and not allowingour situation to get worse.
Speaker 4 (20:41):
Because it sounds like it works both ways.
If we're doing it, it getseasier, but if we're not doing
it, it gets easier, it getseasier, wow, wow, wow.
So so listen.
By the way, I just wanted toemphasize by day five.
If you think it's clean, youbroke, you're broken, you broke,
(21:03):
you broke, you ain't bending nomore.
Hey, mike, by day five, thathouse ain't clean.
And you think it's not bad?
You broke.
Speaker 2 (21:12):
Oh man You're broken.
Speaker 4 (21:14):
That's not what we're trying to talk about.
Bending is like, okay, I'll getto it and get into it.
Maybe day five you need tobring it back to day one Because
you're broke.
Speaker 3 (21:26):
Hey man, oh my God you ever seen that movie Good
Will Hunting?
Yeah, yeah, yeah.
Do you like apples?
Yeah, why you like them?
Speaker 2 (21:34):
apples, they're apples hey, well, we love y'all.
Oh my god, we pouring out ourhearts for y'all, oh my god, hey
look.
Speaker 3 (21:44):
Mike, so look, bringing it back.
I love this episode man this isa good.
This is gonna be the ones wecome back and listen to, for
sure.
Speaker 1 (21:51):
Over and over bro.
Speaker 3 (21:52):
All right, Look, look when, and so listen.
When you're grounded when we'regrounded in something bigger
than money, okay, it gives youthe strength to face financial
challenges with resilience.
All right, Just what we've beensaying.
I might be bending, but I'm notgoing to break.
Speaker 1 (22:09):
There you go.
Speaker 3 (22:09):
All right.
So that's what affirmationsounds like to me.
There you go.
I might be bending, but I'm notgoing to break.
Speaker 2 (22:14):
Right.
Speaker 3 (22:15):
All right, try saying that in the mirror three times
faster All right.
So look, we're going to breakit down real quick, but I had
this little you know, I got hithim for y'all.
Speaker 4 (22:28):
Get ready for it.
Here you come, so check thisout.
Speaker 3 (22:31):
In the army, in the military, they got this thing
called ROTC, you know what thatmeans.
Yeah.
It's reserve officers trainingcorps.
I got you.
They got some people.
They got some people goingaround doing stuff, just in case
.
Speaker 4 (22:48):
they got some people getting ready, just in case
right, because they constantly,constantly bending constantly
bro.
Speaker 3 (22:56):
Okay, somebody messed with america.
We got something, just in casefor you.
That's right.
We got a plan a, b, c andsomething.
If they it got people sittingaround thinking stuff up and
some people around there withthem thinking other stuff up yep
, thinking stuff up just to getstuff up exactly so it's always
being ready to stop having toget ready.
By the way, you know whatyou're a part of.
(23:17):
We know this is fbn mike, right, you know what we doing here,
what do you?
get ready for what?
What are you getting ready for?
You know we.
You know the path.
We've done the work right.
Get ready Right.
This is working out right now.
This is batting practice.
This is exercise.
This is fun for us.
Speaker 2 (23:33):
I'm having fun right now.
Speaker 3 (23:35):
You having fun right now, that's right.
You know what I'm saying.
We come together, we get inthis room and we just pour our
hearts out.
It's no question about what'sabout to happen when we get in
here.
That's right, all right.
So so we, so we are, we are, weare just flowing.
It's good.
We get to flow in our gifts,the gifts that were given to us.
We get to exercise that, allright.
So, rotc, they are.
(23:55):
Just have people always doingsomething, training, following
the formula, doing the thingsthat they already have up on the
board.
Speaker 4 (24:03):
It's on the board.
Speaker 3 (24:04):
Hey, marty, if you forget, just know what's up on
the board.
That's right, all right.
Rotc, that's what they do,that's what our military does.
So we got an FBN military, herewe go, all right.
So check this out or a militaryslaying for the FBN.
All right, we ain't got nomilitary here Exactly.
But we got our own version offor fbn.
(24:34):
Our wealthiest is resilienceoptimism, tenacity and
commitment.
Speaker 4 (24:35):
Oh, oh, that's our rotc.
Hey, we're gonna get that toour wealthiest wealthians going
forward.
Speaker 3 (24:38):
When we say rotc, you know what we mean there you go,
man, and it's a, it's a saluteto your dreams.
Speaker 4 (24:43):
Right, everybody making an affirmation yeah, why,
hey, wealthy.
Why don't we make it anaffirmation yeah, hey wealthy.
Why don't we make that anaffirmation?
Ain't much to say.
Say ROTC every day Resilience,right, optimism, tenacity and
commitment.
Speaker 3 (25:00):
We know, we know, we knows our brothers and sisters
out there Commitment, that's astrong word, that's a very
strong that's a strong word,yeah make it, make it your
affirmation, because becausewhen you're bending, when you're
bending, you got to make sureyou don't break that's right,
man, and the more you stretch,you know, the more you stretch,
like we stretch things right,like some, like some, uh, even
(25:22):
like we're talking aboutathletes in the last episode you
know they stretch and might notbe able to stretch all the way
the first time.
But day two, day three, day 15,day 30, all of a sudden you can,
you bending like you yeah, likeno other, nobody's business but
you're not pulling the muscle,though that's right, you know,
but you try to do it on day oneright, that might have hurt you,
but now, now you got the, yougot the habit that you built up,
(25:43):
the consistent, good habit thatyou built up of doing these
things, these, these exercises,while we talk about the wealthy
and planner reviewing itconsistently.
So these are not alien thoughtsthat we're having.
It's not alien things to us.
You know, going to say a no toourself for the Starbucks, we
can make you a cup of coffee athome.
It doesn't all of a sudden.
Yeah, it's hard the first day,right, but it gets easier, of
course.
(26:03):
All right, okay, so we'll hitit with the breakdown.
Let's break it with thebreakdown We'll get up on out of
here.
Speaker 4 (26:07):
Okay, here's the literal everybody.
Cut expensive creatively, notdiscreetly, instead of cutting
out all your entertainment andenjoyment.
You know I'm passionate aboutthat.
Find ways to be resourceful.
Look for free events in yourcommunity, borrow from library
(26:28):
instead of buying, or start aswap group.
You know how to have swap meet,swap group with friends or
neighbors that that way youstill enjoy life without
breaking the bank.
Ain't that cool?
Speaker 3 (26:43):
I love that brother ain't that cool, just just fine
with your neighbors.
Speaker 4 (26:47):
Get Guess what a lot of us brothers and sisters used
to still do.
I think we play dominoes, weplay spades, that's
entertainment.
How much it costs you, I mean,if you got to buy the dominoes
okay, a couple of dollars.
Speaker 3 (27:01):
A couple of dollars If you got to buy cars.
Speaker 4 (27:03):
cars still, unfortunately still a couple of
dollars these days.
Cars, cars still unfortunatelystill a couple of dollars these
days.
But you know what?
You're not breaking the bank,yeah.
Speaker 3 (27:09):
But you're finding a balance.
You need to exercise in yourmind too.
Speaker 4 (27:11):
Yeah, exercise in your mind having good
conversation with some peopleand you're socializing with
people and you didn't have to gospend because for these days a
couple to go to the movies isalmost like $40, $80 at the end
of the day with popcorn and sodaand all that.
That's ridiculous.
Yeah, let me play some spades,yo mental let's look at the
(27:34):
mental uh mental stay adaptable.
Life is unpredictable, and soare finances.
Real talk.
Instead of panicking whenthings don't go according to
plan, remind yourself thatflexibility is a strength
(27:54):
Bending.
Being mentally prepared topivot is half the battle.
Speaker 1 (28:02):
Gia Jo.
Speaker 4 (28:06):
You know, no, it's have to battle.
So you know, I know our gen zout there.
It's like all right.
Gen alpha I just found out genalpha is the new generation gen
alpha.
Speaker 3 (28:18):
Yeah, that's alpha they call them gen alpha.
Speaker 4 (28:21):
I think they were born from 2010 until now they're
called gen alpha.
So so we're hitting the gen z's.
We're hitting the Gen Z's,we're hitting the Gen Alpha's.
I know there ain't no GI Joethat you know about, but GI Joe
is you know is one of the thingsthey always say.
Knowing is half the battle.
Speaker 3 (28:41):
Yeah and yeah.
We went back to 85.
Speaker 2 (28:44):
So what.
Speaker 3 (28:45):
Yeah, we did that, that's cool we out here for
everybody.
Speaker 1 (28:49):
That's right, that's right.
Speaker 3 (28:50):
I love it and, of course, I'm going to give them
the spiritual.
And look, this is reiterating alittle bit, but I'm going to say
this again Find peace in thepresent.
All right, worrying aboutfuture bills or what we don't
have can take away our peace.
Focus on the present moment andwhat we can do today.
Meditation, prayer or simplypracticing gratitude can help
(29:13):
ground you when financial stressis high.
That's what's up.
This is so key right here, mike.
Yeah, I especially beinggrateful for what we have in
order to be prepared for what'scoming, for what more we will
have to work with.
Speaker 1 (29:32):
That's right Right.
Speaker 3 (29:33):
Because it just just.
I mean, we don't.
If we're not, if we're not ableto manage what we have in our
pocket, how are we going to beable to increase what we put in
the bank?
There you go.
Oh, did you?
Speaker 2 (29:44):
Dang.
Speaker 3 (29:46):
If we can't manage what we have in our pocket, how
we gonna be At a increase whenwe put in the bank?
Speaker 4 (29:50):
Oh man.
Speaker 3 (29:51):
Listen, listen.
That's not the t-shirt.
Speaker 2 (29:54):
You giving them a t-shirt, and it's not a t-shirt,
damn.
Speaker 4 (29:57):
But I love it.
I love it.
You just hit them With anothert-shirt brother.
Speaker 3 (30:01):
Yeah, I love it.
So that's what's up, brother.
Speaker 4 (30:04):
Let's be grateful for what we have and manage it,
that's it.
Speaker 3 (30:07):
So we can be blessed with more.
Speaker 4 (30:09):
But let's hit him with the official t-shirt.
Speaker 1 (30:11):
Go ahead and give it to him, Mike the official
t-shirt for this episode.
Speaker 4 (30:14):
I ain't broke because I'm using what I got to get
what I want.
Hallelujah, hallelujah.
Listen, ladies, and gentlemen,don't be broke.
Use what you got to get whatyou want.
It's simple, and you put thaton a t-shirt everybody's walking
around.
People will appreciate thatYou're spreading some good news.
Speaker 3 (30:36):
It's real talk, bro.
There you go, and the hook ofthat statement is it's already
in us.
That's right.
You're using what you got, whatyou've already been given, the
gifts you've been blessed with.
You're you got what you'vealready been given, the gifts
you've been blessed with.
You're not broke right, youhave something right.
We all have a place to startsomething.
There's something that thatgives us a burning desire inside
(30:56):
.
I know we all have that thingthat when we think about it, we
get, we got little hair stand up.
We kind of we kind of get ourback a little bit more straight,
you know, hold our chin up alittle bit higher when that,
when, especially when we end updoing that thing and we might
not even know what it is yet,but in the midst of doing that
thing, just kind of realize our,our persona, like, realize your
(31:17):
, your, your, your communicationat that time, realize your
energy at that time and see howit's heightened a little bit,
got a little pep in the step,look like when you walk, and you
got a little beat in your headyou know that's how we recognize
these things that we love.
Yeah, so know that we are notbroke.
There is something in each andevery one of us, all right, and
we can use that thing at anygiven time.
(31:38):
That's right.
Do it, don't do it, but justknow that if we're doing it,
we're gonna know when it'shappening use what you got.
Speaker 4 (31:44):
ladies and gentlemen, that's what's up, bro.
Bro, you ain't broke man, youain't broke, you ain't broke.
Speaker 3 (31:50):
You might feel like we ain't got nothing, but we
ain't broke.
That's what's up, and there's adifference.
That's what's up.
All right, brother, man, I'mdone.
What that?
Speaker 2 (31:58):
was good, hey man.
Speaker 3 (32:01):
Brother, always much love, wealth there.
You know we love y'all always,forever and a day.
We're very, very excited aboutwhat we're getting ready to just
continue to deliver.
In this season three of financebros network.
We're gonna be uh, we got someexciting news for you guys.
Not gonna not gonna give it toyou right now.
You know we like to keep somesurprises for y'all.
(32:22):
So we got some things we'regonna announce real soon.
We'll kind of give it in bitsand pieces as things start to
unfold.
But just know we always gotsome surprises In the chamber
waiting for y'all to shoot out.
So don't forget to check us outAll your social media podcast
platforms, apple Podcasts,iheartradio, spotify and, of
course, don't forget to see uson TV On the HHNTV app, the Hip
(32:46):
Hop Network.
Check out our our YouTube,instagram, tiktok it's on the
links, all there so you cancheck us out anytime.
And, of course, as usual, Iappreciate ya and you already
know we'll see you at the bank.
Peace out, y'all, take care.
Speaker 2 (33:12):
Thank you, thank you, thank you for watching.
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