December 8, 2025 • 35 mins
What if five to ten dollars a week could change your money story? We dive into the real-world differences between fiat investing and crypto, why regulation matters for beginners, and how to use fractional shares to turn small habits into long-term ownership. From banks lending your deposits to blue-chip brands you already buy, we connect the dots so you can stop guessing and start building.
We walk through practical examples—Apple, Microsoft, Amazon, Meta, Nvidia—and show how fractional investing lets you participate without buying full shares. You’ll hear exactly how to set a simple budget, automate contributions, and choose a platform that fits your style. Whether you prefer Robinhood’s simplicity, Cash App’s dual stock-and-Bitcoin approach, Fidelity and Schwab’s name recognition, or an education-first vibe, the goal is the same: create a process you can stick to. Consistency beats prediction, and ownership beats impulse.
Mindset is the multiplier. Small steps count more than big intentions. Treat investing as stewardship, not fear, and let learning replace anxiety. If you’re just starting out, focus on the basics: regulated accounts, clear disclosures, recurring buys, and patience. If you’re more experienced, refine your plan with risk sizing and better research. Either way, you don’t need to time the market to build wealth—you need discipline, time, and a plan you’ll actually follow.
Ready to move from spender to owner? Hit play, set your first recurring buy, and join us on the path to practical wealth. If this helped you, subscribe, share with a friend, and leave a review so more people can start small and build strong.
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_00 (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 these techniques work.
We are not giving you specificacts or financial advice.
We are simply giving you thethree key elements of how to
(00:23):
approach such platforms as faras the literal, the mental, and
spiritual format needed to besuccessful with your education.
SPEAKER_01 (01:07):
Hey, this is Michael DePoe, the other half.
SPEAKER_02 (01:12):
The other half.
I love doing that.
SPEAKER_01 (01:14):
Yeah, I know, right?
We're coming to you with Financefor the Unknown.
We are honored to be here withyou, our present and future
wealthians.
Welcome, everybody.
SPEAKER_02 (01:25):
Welcome, welcome, welcome.
Hey, y'all, right up front, I'ma little under the weather, got
a little bit of a cough, but theshow must go on.
Okay.
I got some hauls and we're goingto get through this.
We're going to make it happen.
Never let the grind stop, y'all.
Yeah, that's how we do it.
Yeah, man.
Mike, thanks for being mypartner in this.
Thanks for being a great bestfriend, great business partner.
I mean, you guys, I'm just gonnasay this up front.
(01:47):
Wasn't even planning on givingyou homage like this, but this
man drives hours and hours aweek to make sure that we can
come together in this studio andput this stuff together for
y'all.
He does a lot of riding in thebackground.
He's a good friend, somebody Ican always call on.
And I I wish that for all ofy'all out there.
SPEAKER_00 (02:03):
I appreciate it.
SPEAKER_01 (02:05):
In business and in life.
I appreciate that.
And right back at you.
Appreciate it.
You know, I'm um it doesn't workwithout support from one
another.
It don't, man.
Just like any relationship.
You know, the relationship, yougotta have support for one and
other beliefs and likes andwants to for each other to be
happy.
Because in this environmentwhere we are right now, we can't
(02:26):
do it all by ourselves.
Real talk.
Yeah, I know that's right.
SPEAKER_02 (02:29):
Man, and look, we got a great topic today.
No, we we got into some we gotinto some really good stuff last
week, you know, and that'ssomething that I feel like is
gonna go down in in history.
Right.
Right, so right, and we're gonnawe're gonna definitely kind of
segue into this with that withlast week's episode.
So you watch last week'sepisode, you're gonna be prepped
(02:50):
for this right here, okay?
So we are simulcasting, okay, onour podcast.
So remember, what you're seeingon the TV show right now, HHN
TV, you also gonna be able to belistening to at your podcast
stations, you know, your iHeart,your Apple, all that stuff.
All right.
So keep that in mind, okay?
Whatever you see here, you'll beable to go back and listen to
when you're driving on your wayhome or going to work or
(03:12):
whatever you wherever you mightbe going.
All right.
So today we're gonna be talkingabout this or that investing
fiat or crypto.
So that's right.
SPEAKER_01 (03:21):
This or that.
This or that.
Now, does that remind you ofsomething?
You know me.
Every time we got somethinggoing, it reminds me of our hip
hop and our hip-hop community,you know, black sheep.
Yeah, black sheep did that.
There we go.
Let's put it in the background.
This or that.
There we go, y'all.
Here we go.
(03:43):
I love that, man.
Oh, yeah.
Hey, boy, you know what you'recoming with the hooks, Mike.
Hey, hey, hey, we gotta make it,we gotta have our wealthians
enjoy what we do.
It's not just like I always say,I'm not that accountant who's
gonna sit there andrestructuring that.
Come on, we gotta have fun withthis.
And I know it's entertaining,and that's how we bring it to
you.
Unfortunately, you know, youdidn't get it in school, you
(04:06):
didn't get it where you weresupposed to get it.
So, in this environment, we'regonna make it fun, we're gonna
make it relatable.
And, you know, our community,our underprivileged community,
love the hip-hop of genre, andwe love what they brought to us.
I mean, this was a great song,you know, from Black Sheep.
SPEAKER_02 (04:24):
So, you know, you get the MFFA hats.
Make finance fun again.
There you go.
I don't even know if it was everfun, so make it fun, period.
SPEAKER_00 (04:34):
But I like that concept though.
Yep, yep.
SPEAKER_01 (04:37):
And so, you know, we we just want to keep it simple.
And we're gonna we're gonna gothrough this one real quick
because I know the last episodewas about an hour, and then and
it's because it's new, right?
I wanted to make sure weexplained it.
And and some of you might nothave been like, I ain't ready
for that, but I love theblueprint, man.
It was good, it was good for me.
(04:57):
Listen, we we we have to getinvolved.
If if we want, if we're if we'reputting our mindset to be a
wealthian, to become awealthian, these are certain
things that you have to do.
So just just be mindful.
If you want to be a wealthian,some of these things that the
society that's given us to tobecome wealthy, you have to get
(05:20):
involved in.
And it's just that simple.
You know what I'm saying?
SPEAKER_02 (05:23):
Yeah, yeah, absolutely.
Absolutely, brother.
And um, in the spirit of that,um, as far as you know, us
discussing crypto, uh, in thisepisode, you know, we're
shifting to talk about fiatinvesting, right?
Right, mate.
Right, right.
Also known as traditional cash.
All right, so two things, two,the two are slightly different,
but you know, fiat is more moreregulated.
(05:45):
Is that right?
That's right.
SPEAKER_01 (05:47):
Yeah, so uh fiat investing, aka cash investing,
aka, you know, money that'scoming out of your account,
that's all considered fiat, andit's it's been regulating,
regulated from the end of time,as you know, as far as the stock
market is concerned, and so onand so forth.
So where crypto is not reallyregulated, they are they are
(06:08):
starting to regulate it a littlebit, but you still can jump in
more or less as opposed to thefiat, they're still gonna ask
for social security numbers.
It's like opening up a bankaccount.
If you want to stock trade, theywant all that information
because the government it's it'scurrency that the government is
regulating.
Remember, we had said at onetime you can't take out$10,000
(06:31):
out of a bank just like that,cash, without you filling out a
form.
The government's gonna know, oh,you took out 10 G's or more than
10 G's.
So anything more than$10,000 atone time, you're taking out 15
G's, 20 G's, 30 G's.
You know, it maybe you came intosome type of windfall, and then
you're gonna be like, I'm justtaking out my money.
(06:51):
What's the big deal?
This is how the governmentregulates and makes sure that
currency, and unfortunately,it's not really to come after
you, it's it's really to makesure people are not using it to
do illegal stuff.
When they start seeing big moneycoming in and out of an account
like that, they're going, wait aminute, why is all this money
(07:14):
coming?
Because it doesn't take thatmuch money for you to live, even
though I could say differ now,because the way prices are going
up, we might have to pay$10,000for a loaf of bread, then what?
But you know, but obviously theyprobably move the bar up if
that's ever the case.
But yeah, but the point istaking out big money like that
(07:34):
needs to be regulated so to makesure illegal stuff is not going
on.
So that's why when you go intouh the fiat cash regulation for
currency and stuff like that,you know, you you and you plan
on let's say investing instocks, you're gonna have to
fill out the phone.
It's gonna be like opening up auh a bank account.
(07:56):
So just just be mindful of that.
So if you want to jump into uhfiat uh or fractional investing,
you have to figure out, okay,I'm gonna jump into start
investing in these bigcompanies, right?
But these big companies, youknow, you can invest a dollar,
(08:17):
five dollars, ten dollars into.
And then and you're like, oh,okay, I can do that.
Yeah, yeah.
You can do that.
Yeah, and and you know, and andand the reason uh for that, you
know, these big companies willbecome like like Amazon, you
know, Amazon's what, like four,four, something like four
hundred dollars a share rightnow.
SPEAKER_02 (08:36):
Yeah, yeah, yeah.
You know, meta, Facebook Meta,their their stock tickers meta
now, they're at over six hundreddollars a share.
Right.
These are these are huge, hugecompanies, right?
Nvidia is around$300 a shareright now, right?
Skyrocketed as everybody knowslately because you know they're
a big power player in AI.
Right, right.
Yay.
AI.
We're gonna talk about thatsoon, probably near the NNC.
(08:58):
We're gonna talk about to giveit to them.
Yeah, yeah.
SPEAKER_01 (09:00):
We're gonna talk about AI.
SPEAKER_02 (09:02):
It's not it's not coming no more.
It's here, it's here, it's here.
SPEAKER_01 (09:06):
It could be a big decision in your financial life
when it comes to AI.
Real talk.
Yeah, I don't think it's gonnabe messing with you, but let me
just give you a little bit oftidbit.
I've seen uh them build a fastfood place with all AI.
Now imagine that.
I don't need to hire no, andthat's kind of your first place
(09:27):
you get your first job.
SPEAKER_02 (09:29):
Right, right.
Yeah, imagine that's going away.
My first job was uh my first jobwas uh it was at one of them
first jobs was at a fast foodplace.
Taco Taco Bell when I was inschool hot.
SPEAKER_01 (09:38):
See, and my first job uh at a it was a bakery,
actually.
Yeah, it was a bakery.
So imagine in the back, they gotthe the the arms, the robotic
arms, uh mixing the dough andputting it and making the shapes
of the bread and then putting itin the oven, it comes out.
There's another arm that bagsit, and then there's another arm
(09:59):
that puts it on the shelf, andall you have to do is walk guys,
swipe your credit card, take thebread, go.
If you're 16, that's not gonnabe your first job.
That ain't gonna be your firstjob no more.
So we'll talk about it, butlet's get back on track.
Yeah, you know, just like incrypto, like right now, if you
were to uh go into crypto, youcan't buy a bib coin for a
(10:22):
hundred uh thousand dollars.
No, it's one coin.
SPEAKER_02 (10:24):
Most people can't, yeah.
Right.
SPEAKER_01 (10:26):
So that one coin for a hundred thousand dollars or
whatever it goes up to, youcan't, but you can buy it
fractionally, you know.
You could buy a piece of it, youput one dollar, two dollars in,
it'll be like 0.00000, whatever,but at least you still own that
bitcoin, and when it goes up, itgoes up, you know, relatively to
(10:46):
what you put in.
Very simple.
So if the Bitcoin doubles andyou had one dollar, you get two
dollars.
It's that simple.
So, but if you had what Bitcoinis at$100,000, it doubles to
$200,000.
What you have now?
$200,000.
So that's how you have to thinkabout it.
But with um, but the platformfor fractional banking, uh, or
(11:10):
sorry, flat fractional stockinvesting, it's sort of the same
thing.
You're allowed to invest likefive, ten, you know, uh, fifteen
dollars in in the stocks, likeyou mentioned, those stocks that
are like 200, 300, 400.
So there's platforms for thatnow.
(11:31):
Right, right, right.
So and and it's mad easy.
And again, we we we wasn't gonnago into the we, we're gonna try
to keep it simple for you.
Yeah, yeah.
And if you want to do it, andand the fact that unlike crypto,
this is very popular, this isvery easy to get to, and it's
just another form of sort ofsavings, so to speak, because
(11:52):
now you're investing insomething that's been around
forever, it's regular, yeah,yeah.
SPEAKER_02 (11:57):
Things that you you know everyday things, whether
it's toothpaste or or or toiletpaper or things that you just
already are using all the time,right?
Right?
Maybe maybe you even own a Teslaor something like that.
You know, I you you sort of I'veseen plenty of videos out there
where they talk to kids aboutthis stuff.
You know, you love buying themNike shoes right there, but what
(12:18):
if you took the same$250 youbought for them pair of shoes
and got you some Nike stock?
Right now you're an owner,right?
Right?
Right.
And yeah, cool, spoil yourselfevery now and then.
But buying the new shakes thatcome out every six months,
right?
Or every three months, howeveroften they come out, I mean, now
(12:39):
I and I get it.
Some of these shoes are worth abunch of money.
Now you got people who aremaking money making a living off
selling shoes now and stuff likethat.
But just consider it though,because everybody's not gonna,
there's always that one percent.
They show you the one percent.
The one percent of people thatare millionaires off of making
money on shoes, just like theone percent are going to the to
the NBA or to the NFL, right?
(13:00):
Uh it's it's the one, it's not,it's it's the one percent, it's
not the likelihood that that'sgonna happen to uh a wide range
of people, right?
So, but anybody can go and buysome stock.
SPEAKER_01 (13:09):
Yeah, yeah.
And and and like I said, it'seasy to get into.
And and just think about it,like you know, think about the
stuff that you're using and youputting money because you use
it.
So you of three billion people,because these companies are
worldwide, they're being usedworldwide, and they're that's
why their stocks is up so highper share.
(13:32):
And but you know, we uh uh thesociety has built a way to say,
hey, you know, what if you wantto get into it just a fraction
of it, you know, just apercentage of it.
So you at least that gives youthe understanding on how it
works, how your money can grow,and how you can make money from
it.
And by and and you could do likeback in 20 uh 20 years ago, 30
(13:55):
years ago, that's what yourparents put in.
They'll they'll buy one share.
And then 30 years later, thatone share is worth like four or
five thousand dollars.
You're like, how does thathappen?
SPEAKER_02 (14:06):
There's discipline in that though.
Exactly.
We in a we in a microwavegeneration right now, right?
Instant gratification.
A lot of our parents andgrandparents was able to, you
know, buy those things and holdon to them for a long, long
time.
Right, and even pass them ondown.
SPEAKER_01 (14:23):
So yeah, so you gotta think about that.
Just kind of understand that'swhat they did, but now um the
things are a little bit easier.
And to your point, it's uh it'sa micro generation, that's why
we have fractional fragrances.
SPEAKER_02 (14:38):
It's like so it's fair, right?
Because you don't have to haveuh$300 to go get an Amazon.
SPEAKER_01 (14:45):
Right, right, you know, or if you have$200, you
could buy a certain amount ofpercentage, and if it goes up,
so let's say the share doesdouble, your money double, you
know.
So if the share doubles, themoney doubles.
So that's all you gotta thinkabout.
And again, instead of takingthat money and spending it, you
got a couple of dollars, you'reputting it away every week.
(15:06):
You Gucci, you're doing good,you know?
Because one day you'll wake up,you're like, hey, I have this
much in it, and then you findout, hey, wait a minute, I
invest in this.
Apple has come out with this newfuturistic uh uh phone, and it's
like, okay, their stock justwent up 50%.
Guess what happened to yourlittle fractional money?
(15:28):
It went up 50%.
So you have to think about thesethings.
These are some of the tools insociety that helps be people
become wealthy.
But we gotta start as UPIs,underprivileged income people,
we have to start somewhere andwe have to take advantage of
some of these tools, some ofthese opportunities that are out
there.
(15:48):
And sometimes you just don'tknow.
And that's why we're here,right, Anton?
That's right.
We're here to bring these thingsto you so to know that there is
an opportunity, but it's gonnatake discipline.
It's gonna take, and that's andI real talk UP uh our UPI, our
underprivileged community do nothave that discipline.
(16:10):
And it's even harder for you tohave that discipline because
your environment doesn't havethat discipline.
Because let's say you youdownload an app to to do
fractional uh investing.
Your mom's gonna be, what youdoing?
Oh, what the heck is this?
What is this?
This you can spend that fivedollars can be spent doing
something else.
That five, why don't you putthat five dollars away?
(16:32):
But what if you do put it in afraction?
Now you put the five hours awayuh uh in a fractional investing
thing, uh uh app or platform,and then all of a sudden, mom is
saying something, but threemonths later that five dollars
was becomes ten dollars.
Then that ten dollars become youknow twenty dollars.
And you ain't stressing, youjust letting it grow.
(16:54):
Let it rise, let it go.
Always remember, ladies andgentlemen, money needs money to
make money.
If that makes sense to you,money has to move to be for it
to grow.
SPEAKER_02 (17:07):
Money ain't making money unless it's what?
Unless it's moving.
Moving.
It's gotta be moving, man.
SPEAKER_01 (17:13):
So if it's sitting in that checking account, not
doing nothing, sitting in thatsavings account collecting
what?0001%, right?
SPEAKER_02 (17:22):
It ain't doing nothing.
That's why if everybody went tothe bank to get their money out
at the same time, they wouldn'thave the money to give.
Exactly.
Because it ain't there, becausethey're moving it, they're
moving it.
The banks are moving, that's howthey're making money.
It starts moving, it's inrotation.
That's right.
Digitally, yeah, sure.
You see your account.
SPEAKER_01 (17:40):
Yeah, but in the back end, there's like, ah,
okay.
Tommy put this much or uh orJames put this much in there.
All right, we're gonna leavethat show where he pulls it up
on his bank account, it shows usthere.
But we took that money, we'regonna make ten dollars on that
one dollar, or nine dollars onthat one dollar.
SPEAKER_02 (17:59):
Yeah, absolutely.
Because it's uh it's a rule ofthumb.
You can look this up.
Yeah, for every one dollar bankshandle, they can lend it out ten
times.
Ten times.
And when we talk about, andwe're gonna get into this about
uh about insurance companies andwhy the wealthy leverage them so
much, right?
Because for every one dollar theinsurance company handles, they
(18:20):
have to have three to five inreserve.
That's the difference.
SPEAKER_01 (18:23):
It's a reverse philosophy, it's a reverse
philosophy with insurancecompanies.
But let's let's get back ontrack.
So so what are the we mentionedsome of the top companies.
Invest in what you know, likethese fractional stocks.
You know Apple, you know Amazon,Microsoft.
You're probably using it on yourcomputer, uh, Google.
Probably watching this on itright now.
Maybe you watch it on right now.
(18:45):
So imagine you invest in it, andand you know, every day, you the
millions millions of people whobuy this stuff and jump on is is
crazy.
Like these numbers will drive,will say, oh my God, I can't
believe that much people.
Sometimes they will show sales,yeah.
Uh a Microsoft uh software, thiswas selling every 12 minutes and
(19:06):
it was$300.
Think about that.
Every 12 minutes of selling$300.
And what does that do?
That helps their stock go up.
And what does that do?
If you put your littlefractional money in there, in
that stock, that's going up.
Yeah, yeah.
So think about that.
And and again, and it helps youbuild, it exercises your mind on
(19:29):
once you get to a bigger level,once you have that money, that
if you're doing this, your moneyis making money.
SPEAKER_02 (19:37):
Absolutely, absolutely, and you get that
momentum to get that, right?
Right.
And look, and look, as if y'alldidn't hear the hear the
disclaimer look, we we obviouslyFBN Finance Bro is not telling
you what to go out and buy.
Right.
Our our main goal here remainsthe same provide fundamentals,
encourage curiosity, give youguys enough motivation to go out
(19:58):
there and do your own duediligence, do your homework.
Work to figure out what's bestfor you.
SPEAKER_01 (20:01):
There you go.
So, so yeah.
So basically, we we told youwhat you could do, but you're
like, Mike, so how do I do this?
Well, I'm gonna tell you.
You know, you know, you know I'mgonna tell you.
You know, I'm gonna keep itsimple.
So keep it simple, absolutely.
So basically, it's going, andwhat I'll do as I mentioned the
names, I'll put it up.
Uh you'll see it uh on my leftover here.
(20:22):
You'll see I'll put up the theapp or that you could go into
and it's right on yoursmartphone.
All you need is a smart form.
And remember, like I said, tojoin, they might ask you some
pertinent information, whichsome personal information, but
just think about it as likeopening up a bank account.
Again, it's a regulated thingthat you could be making money
on.
(20:43):
So we have Robin Hood.
Robinhood is probably one of thebest sites, no fees, very
popular, very popular.
People have it on the phone, andyou could just uh take your your
cash from your bank accountstraight into a stock, and then
you could say, okay, they'resaying this is one dollar or
five dollars to pitch your uh touh to uh to buy some stocks into
(21:04):
the uh into this company, andthen boom, you could just go on
the app and do that.
Cash app.
Now a lot of people are usingCash App.
Yes, Cash App, not only Cash Apphas fractional stock, it has
crypto too, it has Bitcoin onthere too.
So a lot of people don't knowthat.
That's why we said this or that,because they're trying to make
these platforms, Robin Hood,Cash App, have both.
(21:26):
They have crypto or they have uhum they have the fiat or
fractional stocks.
So you want to go towards theregulated side, they got you.
Do you want to go towards thecrypto side, deregulated, that's
not regulated as much now, theygot you.
Either way, it's it's it's basedon your risk assessment on what
you feel you're comfortable indoing it.
(21:48):
So just just keep that in mind.
Um, fidelity.
Fidelity is a brokerage house.
Again, I'm gonna put it up thereso you guys can see it.
So maybe if you if you want tolook up the app, you can see
what the app looked like.
You can have because I know ourour UPI people are very visual.
We know that.
SPEAKER_02 (22:04):
You're very visual.
SPEAKER_01 (22:05):
It's up on the board, it's up on the board, and
Charles Schwab.
Charles Schwab is also anotherbrokerage that does that.
They have an app, and then youcould look on an app.
Uh, and I found one, one thatwas at the top five.
I thought that was it, even Ididn't know this company called
Public.
So, Public is another companythat it helps educate you.
Like if you go through thewebsite, and we're telling you
(22:27):
these things again.
Well, Anton just said, do yourdue diligence, do your homework,
yeah.
Do your homework.
These sites they provideinformation, they let you read
what you're getting into beforeyou get into it, so you
understand the full spectrum ofwhat you're getting into.
So just make sure before you youyou start putting money into
(22:47):
stuff, read everything,understand everything.
But you know, I just gave youlike five apps that you can go
in and then again invest.
If you don't want to go throughthe crypto side, go to the uh uh
the fiat, the cash side, whereyou can put some money in.
You know, we have to startsomewhere.
(23:08):
We have to help our our ourfamilies get out of that rut.
Yeah, your mom or dad may notunderstand it, or maybe somebody
in the family is not aware ofit, your environment is not
conducive to it.
But if you got yourself a littlejob and at the end of the day,
that money you get, and you youstill might have some for
savings or some for doingsomething that you want.
(23:30):
You know, that was one of ourepisodes, right?
The uh your wishes, what youwish for, what you want to grow
in.
So just think about that.
You know, maybe you could put$5,$10 every week.
Guess what?
It adds up.
Sure does, man.
It adds up, right?
SPEAKER_02 (23:46):
So, you know, pennies equal dollars and
dollars make sense equalsdollars make sense.
SPEAKER_01 (23:51):
Yep.
So that that's it.
That's that's pretty much it.
There's not much about it,right?
Hey, look, Mike, we're not gonnabe the dead horse, man.
SPEAKER_02 (23:57):
We're gonna get we we in and out like a drive
through this episode.
We're gonna get right into thebreakdown.
There you go.
There you go.
That's what it was about it.
SPEAKER_01 (24:05):
Now what now we just going right through it, and it's
really simple, people.
You just gotta go out and do it.
Once you got the foundation, thestructure.
Yeah, yeah.
You can just run through itquick.
You just went through it.
So, all right, so so we're gonnahit them with the literal.
The literal is start with abudget of five to ten dollars.
Remember, I just said that aweek.
Anybody can do that, yeah.
Five to ten dollars a week toinvest, don't exceed what you
(24:27):
can't afford.
There you go.
So that's the literal.
So think about that when you'reabout to start today invest.
Five to ten dollars.
You can save five to ten dollarsa week.
And if you're putting it wherethe money is moving, the money's
growing.
You understand what I'm saying?
Okay, I think we all can admitwe waste five dollars a week.
Oh, all day, every day.
(24:48):
For the most part.
What is 20 bucks?
That's what you call it?
SPEAKER_02 (24:51):
20 bucks.
That's called 20 bucks.
20 bucks, not Starbucks?
SPEAKER_01 (24:53):
Nah, nah, it's 20 bucks.
It's 20 bucks.
SPEAKER_02 (24:56):
If you got kids, it might be 40 bucks.
It might be 40 bucks.
SPEAKER_01 (25:01):
So, so what's the mental here?
The mental is small steps count.
I just said that.
Small step count.
It's better to invest five amonth than zero yearly.
How about that?
Five a month than zero.
Yeah, five a month is a sixtydollar investment a year, and
who knows?
Investing either in crypto or inthese fractional stocks, that
(25:24):
that 60 might not be a hundred.
Where if you didn't put thatfive or ten bucks a month away,
um uh, you know, you will havezero.
You won't have anything.
So mentally, just think aboutthat.
If I just put away five or orten bucks a month into
something, boom.
That's not a month.
(25:46):
And and I know there's somepeople out there who can't do
that when we get that, butyou're gonna get there.
There's you're gonna get help toget there because if you're at
that point in your life, it is awhole different thing for you.
But if you have the opportunityto watch Finance Bros Network,
and and we're happy that you'reeither listening to us or you're
watching us, and and and justjust stay positive.
(26:07):
Help will come to you, and thenyou could always come back and
watch this show again or listento the podcast again to say, oh,
I remember when I was down andout, I was listening to these
guys, or I saw these guys, andthey were talking about
something about, you know, I gotthis last five hours, I paid
everything, but you know, I'm onhard time, but I'm leveling up.
(26:29):
I'm gonna make sure I never getback to where I have no money
again.
SPEAKER_02 (26:33):
I love that, bro.
Now it really means something.
You feel me?
Because it's applicable.
Right.
You know what I mean?
I love that, man.
Once it's once it's on, onceit's recorded and it's on it's
on wax, it's in the vault, yep,can't take it away.
Yep, yep.
Yeah, I like that, brother.
All right, hit him with thespiritual, bro.
All right, brother.
So here's the spiritual man.
Let investing be a form ofstewardship, not fear.
(26:54):
And in saying that, Mike, I wantto make it very clear that when
you take the time to learn aboutsomething, the fear of it starts
to go.
It starts to go away because youunderstand it a little more.
And when you get involved withsomething, any this is anything
we put our time into, it's gonnabe investing, it's gonna be
relationships, it could be a newjob you might be going into or a
(27:16):
career or a business you'reabout to go and start.
Yeah, take the time.
Let's take the time to educateourselves.
SPEAKER_00 (27:22):
Right.
SPEAKER_02 (27:22):
So we're making uh we're making decisions based on
uh strategy and not emotion.
There you go.
SPEAKER_01 (27:30):
There you go.
So that's the sewership thathe's talking about, you know,
letting that it become somethingthat you believe in.
And then and then you won't itwill you won't be afraid of it.
Yeah, and and just just believein something like that.
That's that's the spiritual,bro.
I get it.
Absolutely.
SPEAKER_02 (27:47):
And we're all have we all have something, a type of
legacy that we're building inour life, all right?
And to be financially free is ais it it's it's such a huge part
of being able to go out and givemore and do more and be in flow
and in alignment while we'redoing it.
SPEAKER_01 (28:06):
And live life, yeah, man.
Live life.
It's like, yeah, it don't be madthat it's wherever you at in
life, and maybe you're fortunateenough to be hearing us uh at
the age of 15, 17, and thenyou're adapting these rules.
Because I wish I had somethinglike that.
I wish because when you my age,listen, if you actually applying
(28:27):
it, when you my age, oh my god,you would be changing the world.
Elon Musk, who?
You feel me?
So if you're applying some ofthese practicalities in finance,
it'll help you grow.
So yeah, if you have 17, 18,take heart to this.
Try to adapt it as much as youcan.
(28:48):
But if you have 50, there'sthere's never no late to start.
Because now you're wiser.
What's gonna take that 17, 18year old maybe 10 years to
build?
You could knock it out in two.
SPEAKER_02 (28:59):
Yeah, yeah.
SPEAKER_01 (28:59):
You can't you can change your your situation in
two years.
SPEAKER_02 (29:03):
Right, right.
SPEAKER_01 (29:04):
So so think about that.
SPEAKER_02 (29:05):
Yeah, apply application, application at the
speed of light.
Right.
You know what I mean?
Right, action right away.
Don't sit on it.
There you go.
Don't sit on your hands, get outthere and do it.
SPEAKER_01 (29:14):
There you go.
And we're giving you the tools,we're showing you what to do,
and and it's not as expensive asyou think.
It's only expensive if you makeit expensive.
How about that?
Yeah, true.
SPEAKER_02 (29:26):
Could be more expensive not to do it.
Right, exactly.
SPEAKER_01 (29:29):
All right, let me hit them with the t-shirt.
So the t-shirt says fractionalshare.
Uh fractional shares becausesome of us only get.
Wait a minute, my bad.
I gotta read this right.
It's all good.
Go ahead.
Fractional shares because someof us only got fractional
paychecks.
How about that?
(29:49):
Ain't that something?
Fraction, in other words, we'regetting a piece of something
because we're only getting apiece of paycheck.
You feel me?
Oh man, as hard as you work, youain't getting that whole
paycheck, no matter what you do.
Now I feel you.
Remember, we talked about I take10% and do something for myself?
Because that 90% of that checkis going to something or
(30:11):
somebody else.
How about that?
SPEAKER_02 (30:12):
Yeah, that's true.
But hey, we got you got yougotta tell like it is, man.
That's true.
That's very true.
Hurtful or not, is what it is.
That's what it is.
So it is still fair becauseeverybody can get in the game.
Right, right.
Everybody can get in the game nomatter what we're working with.
Everybody can can take a smallpiece of their effort and apply
it towards their future in thisway.
(30:33):
Right.
SPEAKER_01 (30:33):
And I and I hope who knows that they maybe they're
gonna start teaching stuff likethis in school because this is
the stuff you need to learn whenwhen you get your first job.
You can start working uh at 15with with paperwork, right?
Yeah.
Most states.
Uh some might be even 14.
You could start working.
Man, get a job that young now.
Yeah, yeah, yeah.
But with a work permit.
(30:56):
So this should have been thefirst education that they that
they roll out, yeah.
Even before they get paid.
So we're talking about fromjunior high school, middle
school, junior high school,middle school.
This should have been aneducation that uh were given to
you.
But guess what?
The government ain't gonna dothat.
You crazy, you kidding me?
SPEAKER_02 (31:16):
Yeah, man.
And you think about it, likemost most people when we think
about something like that, it'slike I want to get a job so I
can go out and buy XYZ.
That's all they think about.
It's not.
I want to go get a job so I caninvest and save.
It's not the it's not thetypical conversation.
SPEAKER_01 (31:30):
And ironically, that's the best time.
Because guess what?
Mama's taking care of the rent.
Mama's taking care of the bills.
Mama, you you ain't got nobills.
That's the best time to do it.
That's the best time to do it.
So here you go.
Take advantage.
All right, we're gonna go.
Best practice.
Remember, we're starting fromthe first episode of the season
all the way up to now.
So here we go.
SPEAKER_02 (31:50):
Here we go, man.
SPEAKER_01 (31:50):
Whether it's Trump or anyone else in in office, you
are the president of yourpocket.
The wealthian policy is whatmatters most for your future,
and don't forget it.
Wealthians, the way you movetoday is how you will slay
(32:13):
tomorrow.
Maybe with digital currency,because ready or not, here it
comes.
So learn it and embrace itbecause it's the future of our
finance.
Or you can jump into somethingthat's more regulated, and you
can trust like five uh fine umfractional stocks.
(32:38):
So either this or that,wealthier, don't spend it,
invest it.
How about that?
SPEAKER_02 (32:45):
I love it, Mike.
There you go, brother.
It's all right.
And it just, man, I love it.
It gets better and better, andit gets bigger and bigger, and
we get to watch it all cometogether.
Hey y'all, we love y'all.
Thanks for tuning in.
Uh, next time, next episode,we're gonna be coming with some
knowledge for people on uh on.
We actually gonna be talkingabout a little bit about the
(33:06):
insurance.
Yeah, yeah, yeah.
All right, yeah, yeah.
Gonna be educational, gonna befun.
We're gonna get into some deeperdives as uh as the as the season
goes on.
But we definitely want to breakdown, like we say, break down
some fundamentals for themfirst.
All right.
So we got a real treat for youguys.
Obviously, don't forget to comecheck us out right here at our
home on HHN TV.
And don't forget to listen onall your social media podcast
(33:27):
platforms, Apple, ApplePodcasts, iHeartRadio, uh,
Spotify, you know, anywhere youcan find us, all right?
And obviously, as y'all know,Mike.
I appreciate you.
And we'll see you at the bank.
All right, peace, y'all.
Take care, world.
Later.
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 these techniques work.
We are not giving you specificacts or financial advice.
We are simply giving you thethree key elements of how to
(00:23):
approach such platforms as faras the literal, the mental, and
spiritual format needed to besuccessful with your education.
SPEAKER_01 (01:07):
Hey, this is Michael DePoe, the other half.
SPEAKER_02 (01:12):
The other half.
I love doing that.
SPEAKER_01 (01:14):
Yeah, I know, right?
We're coming to you with Financefor the Unknown.
We are honored to be here withyou, our present and future
wealthians.
Welcome, everybody.
SPEAKER_02 (01:25):
Welcome, welcome, welcome.
Hey, y'all, right up front, I'ma little under the weather, got
a little bit of a cough, but theshow must go on.
Okay.
I got some hauls and we're goingto get through this.
We're going to make it happen.
Never let the grind stop, y'all.
Yeah, that's how we do it.
Yeah, man.
Mike, thanks for being mypartner in this.
Thanks for being a great bestfriend, great business partner.
I mean, you guys, I'm just gonnasay this up front.
(01:47):
Wasn't even planning on givingyou homage like this, but this
man drives hours and hours aweek to make sure that we can
come together in this studio andput this stuff together for
y'all.
He does a lot of riding in thebackground.
He's a good friend, somebody Ican always call on.
And I I wish that for all ofy'all out there.
SPEAKER_00 (02:03):
I appreciate it.
SPEAKER_01 (02:05):
In business and in life.
I appreciate that.
And right back at you.
Appreciate it.
You know, I'm um it doesn't workwithout support from one
another.
It don't, man.
Just like any relationship.
You know, the relationship, yougotta have support for one and
other beliefs and likes andwants to for each other to be
happy.
Because in this environmentwhere we are right now, we can't
(02:26):
do it all by ourselves.
Real talk.
Yeah, I know that's right.
SPEAKER_02 (02:29):
Man, and look, we got a great topic today.
No, we we got into some we gotinto some really good stuff last
week, you know, and that'ssomething that I feel like is
gonna go down in in history.
Right.
Right, so right, and we're gonnawe're gonna definitely kind of
segue into this with that withlast week's episode.
So you watch last week'sepisode, you're gonna be prepped
(02:50):
for this right here, okay?
So we are simulcasting, okay, onour podcast.
So remember, what you're seeingon the TV show right now, HHN
TV, you also gonna be able to belistening to at your podcast
stations, you know, your iHeart,your Apple, all that stuff.
All right.
So keep that in mind, okay?
Whatever you see here, you'll beable to go back and listen to
when you're driving on your wayhome or going to work or
(03:12):
whatever you wherever you mightbe going.
All right.
So today we're gonna be talkingabout this or that investing
fiat or crypto.
So that's right.
SPEAKER_01 (03:21):
This or that.
This or that.
Now, does that remind you ofsomething?
You know me.
Every time we got somethinggoing, it reminds me of our hip
hop and our hip-hop community,you know, black sheep.
Yeah, black sheep did that.
There we go.
Let's put it in the background.
This or that.
There we go, y'all.
Here we go.
(03:43):
I love that, man.
Oh, yeah.
Hey, boy, you know what you'recoming with the hooks, Mike.
Hey, hey, hey, we gotta make it,we gotta have our wealthians
enjoy what we do.
It's not just like I always say,I'm not that accountant who's
gonna sit there andrestructuring that.
Come on, we gotta have fun withthis.
And I know it's entertaining,and that's how we bring it to
you.
Unfortunately, you know, youdidn't get it in school, you
(04:06):
didn't get it where you weresupposed to get it.
So, in this environment, we'regonna make it fun, we're gonna
make it relatable.
And, you know, our community,our underprivileged community,
love the hip-hop of genre, andwe love what they brought to us.
I mean, this was a great song,you know, from Black Sheep.
SPEAKER_02 (04:24):
So, you know, you get the MFFA hats.
Make finance fun again.
There you go.
I don't even know if it was everfun, so make it fun, period.
SPEAKER_00 (04:34):
But I like that concept though.
Yep, yep.
SPEAKER_01 (04:37):
And so, you know, we we just want to keep it simple.
And we're gonna we're gonna gothrough this one real quick
because I know the last episodewas about an hour, and then and
it's because it's new, right?
I wanted to make sure weexplained it.
And and some of you might nothave been like, I ain't ready
for that, but I love theblueprint, man.
It was good, it was good for me.
(04:57):
Listen, we we we have to getinvolved.
If if we want, if we're if we'reputting our mindset to be a
wealthian, to become awealthian, these are certain
things that you have to do.
So just just be mindful.
If you want to be a wealthian,some of these things that the
society that's given us to tobecome wealthy, you have to get
(05:20):
involved in.
And it's just that simple.
You know what I'm saying?
SPEAKER_02 (05:23):
Yeah, yeah, absolutely.
Absolutely, brother.
And um, in the spirit of that,um, as far as you know, us
discussing crypto, uh, in thisepisode, you know, we're
shifting to talk about fiatinvesting, right?
Right, mate.
Right, right.
Also known as traditional cash.
All right, so two things, two,the two are slightly different,
but you know, fiat is more moreregulated.
(05:45):
Is that right?
That's right.
SPEAKER_01 (05:47):
Yeah, so uh fiat investing, aka cash investing,
aka, you know, money that'scoming out of your account,
that's all considered fiat, andit's it's been regulating,
regulated from the end of time,as you know, as far as the stock
market is concerned, and so onand so forth.
So where crypto is not reallyregulated, they are they are
(06:08):
starting to regulate it a littlebit, but you still can jump in
more or less as opposed to thefiat, they're still gonna ask
for social security numbers.
It's like opening up a bankaccount.
If you want to stock trade, theywant all that information
because the government it's it'scurrency that the government is
regulating.
Remember, we had said at onetime you can't take out$10,000
(06:31):
out of a bank just like that,cash, without you filling out a
form.
The government's gonna know, oh,you took out 10 G's or more than
10 G's.
So anything more than$10,000 atone time, you're taking out 15
G's, 20 G's, 30 G's.
You know, it maybe you came intosome type of windfall, and then
you're gonna be like, I'm justtaking out my money.
(06:51):
What's the big deal?
This is how the governmentregulates and makes sure that
currency, and unfortunately,it's not really to come after
you, it's it's really to makesure people are not using it to
do illegal stuff.
When they start seeing big moneycoming in and out of an account
like that, they're going, wait aminute, why is all this money
(07:14):
coming?
Because it doesn't take thatmuch money for you to live, even
though I could say differ now,because the way prices are going
up, we might have to pay$10,000for a loaf of bread, then what?
But you know, but obviously theyprobably move the bar up if
that's ever the case.
But yeah, but the point istaking out big money like that
(07:34):
needs to be regulated so to makesure illegal stuff is not going
on.
So that's why when you go intouh the fiat cash regulation for
currency and stuff like that,you know, you you and you plan
on let's say investing instocks, you're gonna have to
fill out the phone.
It's gonna be like opening up auh a bank account.
(07:56):
So just just be mindful of that.
So if you want to jump into uhfiat uh or fractional investing,
you have to figure out, okay,I'm gonna jump into start
investing in these bigcompanies, right?
But these big companies, youknow, you can invest a dollar,
(08:17):
five dollars, ten dollars into.
And then and you're like, oh,okay, I can do that.
Yeah, yeah.
You can do that.
Yeah, and and you know, and andand the reason uh for that, you
know, these big companies willbecome like like Amazon, you
know, Amazon's what, like four,four, something like four
hundred dollars a share rightnow.
SPEAKER_02 (08:36):
Yeah, yeah, yeah.
You know, meta, Facebook Meta,their their stock tickers meta
now, they're at over six hundreddollars a share.
Right.
These are these are huge, hugecompanies, right?
Nvidia is around$300 a shareright now, right?
Skyrocketed as everybody knowslately because you know they're
a big power player in AI.
Right, right.
Yay.
AI.
We're gonna talk about thatsoon, probably near the NNC.
(08:58):
We're gonna talk about to giveit to them.
Yeah, yeah.
SPEAKER_01 (09:00):
We're gonna talk about AI.
SPEAKER_02 (09:02):
It's not it's not coming no more.
It's here, it's here, it's here.
SPEAKER_01 (09:06):
It could be a big decision in your financial life
when it comes to AI.
Real talk.
Yeah, I don't think it's gonnabe messing with you, but let me
just give you a little bit oftidbit.
I've seen uh them build a fastfood place with all AI.
Now imagine that.
I don't need to hire no, andthat's kind of your first place
(09:27):
you get your first job.
SPEAKER_02 (09:29):
Right, right.
Yeah, imagine that's going away.
My first job was uh my first jobwas uh it was at one of them
first jobs was at a fast foodplace.
Taco Taco Bell when I was inschool hot.
SPEAKER_01 (09:38):
See, and my first job uh at a it was a bakery,
actually.
Yeah, it was a bakery.
So imagine in the back, they gotthe the the arms, the robotic
arms, uh mixing the dough andputting it and making the shapes
of the bread and then putting itin the oven, it comes out.
There's another arm that bagsit, and then there's another arm
(09:59):
that puts it on the shelf, andall you have to do is walk guys,
swipe your credit card, take thebread, go.
If you're 16, that's not gonnabe your first job.
That ain't gonna be your firstjob no more.
So we'll talk about it, butlet's get back on track.
Yeah, you know, just like incrypto, like right now, if you
were to uh go into crypto, youcan't buy a bib coin for a
(10:22):
hundred uh thousand dollars.
No, it's one coin.
SPEAKER_02 (10:24):
Most people can't, yeah.
Right.
SPEAKER_01 (10:26):
So that one coin for a hundred thousand dollars or
whatever it goes up to, youcan't, but you can buy it
fractionally, you know.
You could buy a piece of it, youput one dollar, two dollars in,
it'll be like 0.00000, whatever,but at least you still own that
bitcoin, and when it goes up, itgoes up, you know, relatively to
(10:46):
what you put in.
Very simple.
So if the Bitcoin doubles andyou had one dollar, you get two
dollars.
It's that simple.
So, but if you had what Bitcoinis at$100,000, it doubles to
$200,000.
What you have now?
$200,000.
So that's how you have to thinkabout it.
But with um, but the platformfor fractional banking, uh, or
(11:10):
sorry, flat fractional stockinvesting, it's sort of the same
thing.
You're allowed to invest likefive, ten, you know, uh, fifteen
dollars in in the stocks, likeyou mentioned, those stocks that
are like 200, 300, 400.
So there's platforms for thatnow.
(11:31):
Right, right, right.
So and and it's mad easy.
And again, we we we wasn't gonnago into the we, we're gonna try
to keep it simple for you.
Yeah, yeah.
And if you want to do it, andand the fact that unlike crypto,
this is very popular, this isvery easy to get to, and it's
just another form of sort ofsavings, so to speak, because
(11:52):
now you're investing insomething that's been around
forever, it's regular, yeah,yeah.
SPEAKER_02 (11:57):
Things that you you know everyday things, whether
it's toothpaste or or or toiletpaper or things that you just
already are using all the time,right?
Right?
Maybe maybe you even own a Teslaor something like that.
You know, I you you sort of I'veseen plenty of videos out there
where they talk to kids aboutthis stuff.
You know, you love buying themNike shoes right there, but what
(12:18):
if you took the same$250 youbought for them pair of shoes
and got you some Nike stock?
Right now you're an owner,right?
Right?
Right.
And yeah, cool, spoil yourselfevery now and then.
But buying the new shakes thatcome out every six months,
right?
Or every three months, howeveroften they come out, I mean, now
(12:39):
I and I get it.
Some of these shoes are worth abunch of money.
Now you got people who aremaking money making a living off
selling shoes now and stuff likethat.
But just consider it though,because everybody's not gonna,
there's always that one percent.
They show you the one percent.
The one percent of people thatare millionaires off of making
money on shoes, just like theone percent are going to the to
the NBA or to the NFL, right?
(13:00):
Uh it's it's the one, it's not,it's it's the one percent, it's
not the likelihood that that'sgonna happen to uh a wide range
of people, right?
So, but anybody can go and buysome stock.
SPEAKER_01 (13:09):
Yeah, yeah.
And and and like I said, it'seasy to get into.
And and just think about it,like you know, think about the
stuff that you're using and youputting money because you use
it.
So you of three billion people,because these companies are
worldwide, they're being usedworldwide, and they're that's
why their stocks is up so highper share.
(13:32):
And but you know, we uh uh thesociety has built a way to say,
hey, you know, what if you wantto get into it just a fraction
of it, you know, just apercentage of it.
So you at least that gives youthe understanding on how it
works, how your money can grow,and how you can make money from
it.
And by and and you could do likeback in 20 uh 20 years ago, 30
(13:55):
years ago, that's what yourparents put in.
They'll they'll buy one share.
And then 30 years later, thatone share is worth like four or
five thousand dollars.
You're like, how does thathappen?
SPEAKER_02 (14:06):
There's discipline in that though.
Exactly.
We in a we in a microwavegeneration right now, right?
Instant gratification.
A lot of our parents andgrandparents was able to, you
know, buy those things and holdon to them for a long, long
time.
Right, and even pass them ondown.
SPEAKER_01 (14:23):
So yeah, so you gotta think about that.
Just kind of understand that'swhat they did, but now um the
things are a little bit easier.
And to your point, it's uh it'sa micro generation, that's why
we have fractional fragrances.
SPEAKER_02 (14:38):
It's like so it's fair, right?
Because you don't have to haveuh$300 to go get an Amazon.
SPEAKER_01 (14:45):
Right, right, you know, or if you have$200, you
could buy a certain amount ofpercentage, and if it goes up,
so let's say the share doesdouble, your money double, you
know.
So if the share doubles, themoney doubles.
So that's all you gotta thinkabout.
And again, instead of takingthat money and spending it, you
got a couple of dollars, you'reputting it away every week.
(15:06):
You Gucci, you're doing good,you know?
Because one day you'll wake up,you're like, hey, I have this
much in it, and then you findout, hey, wait a minute, I
invest in this.
Apple has come out with this newfuturistic uh uh phone, and it's
like, okay, their stock justwent up 50%.
Guess what happened to yourlittle fractional money?
(15:28):
It went up 50%.
So you have to think about thesethings.
These are some of the tools insociety that helps be people
become wealthy.
But we gotta start as UPIs,underprivileged income people,
we have to start somewhere andwe have to take advantage of
some of these tools, some ofthese opportunities that are out
there.
(15:48):
And sometimes you just don'tknow.
And that's why we're here,right, Anton?
That's right.
We're here to bring these thingsto you so to know that there is
an opportunity, but it's gonnatake discipline.
It's gonna take, and that's andI real talk UP uh our UPI, our
underprivileged community do nothave that discipline.
(16:10):
And it's even harder for you tohave that discipline because
your environment doesn't havethat discipline.
Because let's say you youdownload an app to to do
fractional uh investing.
Your mom's gonna be, what youdoing?
Oh, what the heck is this?
What is this?
This you can spend that fivedollars can be spent doing
something else.
That five, why don't you putthat five dollars away?
(16:32):
But what if you do put it in afraction?
Now you put the five hours awayuh uh in a fractional investing
thing, uh uh app or platform,and then all of a sudden, mom is
saying something, but threemonths later that five dollars
was becomes ten dollars.
Then that ten dollars become youknow twenty dollars.
And you ain't stressing, youjust letting it grow.
(16:54):
Let it rise, let it go.
Always remember, ladies andgentlemen, money needs money to
make money.
If that makes sense to you,money has to move to be for it
to grow.
SPEAKER_02 (17:07):
Money ain't making money unless it's what?
Unless it's moving.
Moving.
It's gotta be moving, man.
SPEAKER_01 (17:13):
So if it's sitting in that checking account, not
doing nothing, sitting in thatsavings account collecting
what?0001%, right?
SPEAKER_02 (17:22):
It ain't doing nothing.
That's why if everybody went tothe bank to get their money out
at the same time, they wouldn'thave the money to give.
Exactly.
Because it ain't there, becausethey're moving it, they're
moving it.
The banks are moving, that's howthey're making money.
It starts moving, it's inrotation.
That's right.
Digitally, yeah, sure.
You see your account.
SPEAKER_01 (17:40):
Yeah, but in the back end, there's like, ah,
okay.
Tommy put this much or uh orJames put this much in there.
All right, we're gonna leavethat show where he pulls it up
on his bank account, it shows usthere.
But we took that money, we'regonna make ten dollars on that
one dollar, or nine dollars onthat one dollar.
SPEAKER_02 (17:59):
Yeah, absolutely.
Because it's uh it's a rule ofthumb.
You can look this up.
Yeah, for every one dollar bankshandle, they can lend it out ten
times.
Ten times.
And when we talk about, andwe're gonna get into this about
uh about insurance companies andwhy the wealthy leverage them so
much, right?
Because for every one dollar theinsurance company handles, they
(18:20):
have to have three to five inreserve.
That's the difference.
SPEAKER_01 (18:23):
It's a reverse philosophy, it's a reverse
philosophy with insurancecompanies.
But let's let's get back ontrack.
So so what are the we mentionedsome of the top companies.
Invest in what you know, likethese fractional stocks.
You know Apple, you know Amazon,Microsoft.
You're probably using it on yourcomputer, uh, Google.
Probably watching this on itright now.
Maybe you watch it on right now.
(18:45):
So imagine you invest in it, andand you know, every day, you the
millions millions of people whobuy this stuff and jump on is is
crazy.
Like these numbers will drive,will say, oh my God, I can't
believe that much people.
Sometimes they will show sales,yeah.
Uh a Microsoft uh software, thiswas selling every 12 minutes and
(19:06):
it was$300.
Think about that.
Every 12 minutes of selling$300.
And what does that do?
That helps their stock go up.
And what does that do?
If you put your littlefractional money in there, in
that stock, that's going up.
Yeah, yeah.
So think about that.
And and again, and it helps youbuild, it exercises your mind on
(19:29):
once you get to a bigger level,once you have that money, that
if you're doing this, your moneyis making money.
SPEAKER_02 (19:37):
Absolutely, absolutely, and you get that
momentum to get that, right?
Right.
And look, and look, as if y'alldidn't hear the hear the
disclaimer look, we we obviouslyFBN Finance Bro is not telling
you what to go out and buy.
Right.
Our our main goal here remainsthe same provide fundamentals,
encourage curiosity, give youguys enough motivation to go out
(19:58):
there and do your own duediligence, do your homework.
Work to figure out what's bestfor you.
SPEAKER_01 (20:01):
There you go.
So, so yeah.
So basically, we we told youwhat you could do, but you're
like, Mike, so how do I do this?
Well, I'm gonna tell you.
You know, you know, you know I'mgonna tell you.
You know, I'm gonna keep itsimple.
So keep it simple, absolutely.
So basically, it's going, andwhat I'll do as I mentioned the
names, I'll put it up.
Uh you'll see it uh on my leftover here.
(20:22):
You'll see I'll put up the theapp or that you could go into
and it's right on yoursmartphone.
All you need is a smart form.
And remember, like I said, tojoin, they might ask you some
pertinent information, whichsome personal information, but
just think about it as likeopening up a bank account.
Again, it's a regulated thingthat you could be making money
on.
(20:43):
So we have Robin Hood.
Robinhood is probably one of thebest sites, no fees, very
popular, very popular.
People have it on the phone, andyou could just uh take your your
cash from your bank accountstraight into a stock, and then
you could say, okay, they'resaying this is one dollar or
five dollars to pitch your uh touh to uh to buy some stocks into
(21:04):
the uh into this company, andthen boom, you could just go on
the app and do that.
Cash app.
Now a lot of people are usingCash App.
Yes, Cash App, not only Cash Apphas fractional stock, it has
crypto too, it has Bitcoin onthere too.
So a lot of people don't knowthat.
That's why we said this or that,because they're trying to make
these platforms, Robin Hood,Cash App, have both.
(21:26):
They have crypto or they have uhum they have the fiat or
fractional stocks.
So you want to go towards theregulated side, they got you.
Do you want to go towards thecrypto side, deregulated, that's
not regulated as much now, theygot you.
Either way, it's it's it's basedon your risk assessment on what
you feel you're comfortable indoing it.
(21:48):
So just just keep that in mind.
Um, fidelity.
Fidelity is a brokerage house.
Again, I'm gonna put it up thereso you guys can see it.
So maybe if you if you want tolook up the app, you can see
what the app looked like.
You can have because I know ourour UPI people are very visual.
We know that.
SPEAKER_02 (22:04):
You're very visual.
SPEAKER_01 (22:05):
It's up on the board, it's up on the board, and
Charles Schwab.
Charles Schwab is also anotherbrokerage that does that.
They have an app, and then youcould look on an app.
Uh, and I found one, one thatwas at the top five.
I thought that was it, even Ididn't know this company called
Public.
So, Public is another companythat it helps educate you.
Like if you go through thewebsite, and we're telling you
(22:27):
these things again.
Well, Anton just said, do yourdue diligence, do your homework,
yeah.
Do your homework.
These sites they provideinformation, they let you read
what you're getting into beforeyou get into it, so you
understand the full spectrum ofwhat you're getting into.
So just make sure before you youyou start putting money into
(22:47):
stuff, read everything,understand everything.
But you know, I just gave youlike five apps that you can go
in and then again invest.
If you don't want to go throughthe crypto side, go to the uh uh
the fiat, the cash side, whereyou can put some money in.
You know, we have to startsomewhere.
(23:08):
We have to help our our ourfamilies get out of that rut.
Yeah, your mom or dad may notunderstand it, or maybe somebody
in the family is not aware ofit, your environment is not
conducive to it.
But if you got yourself a littlejob and at the end of the day,
that money you get, and you youstill might have some for
savings or some for doingsomething that you want.
(23:30):
You know, that was one of ourepisodes, right?
The uh your wishes, what youwish for, what you want to grow
in.
So just think about that.
You know, maybe you could put$5,$10 every week.
Guess what?
It adds up.
Sure does, man.
It adds up, right?
SPEAKER_02 (23:46):
So, you know, pennies equal dollars and
dollars make sense equalsdollars make sense.
SPEAKER_01 (23:51):
Yep.
So that that's it.
That's that's pretty much it.
There's not much about it,right?
Hey, look, Mike, we're not gonnabe the dead horse, man.
SPEAKER_02 (23:57):
We're gonna get we we in and out like a drive
through this episode.
We're gonna get right into thebreakdown.
There you go.
There you go.
That's what it was about it.
SPEAKER_01 (24:05):
Now what now we just going right through it, and it's
really simple, people.
You just gotta go out and do it.
Once you got the foundation, thestructure.
Yeah, yeah.
You can just run through itquick.
You just went through it.
So, all right, so so we're gonnahit them with the literal.
The literal is start with abudget of five to ten dollars.
Remember, I just said that aweek.
Anybody can do that, yeah.
Five to ten dollars a week toinvest, don't exceed what you
(24:27):
can't afford.
There you go.
So that's the literal.
So think about that when you'reabout to start today invest.
Five to ten dollars.
You can save five to ten dollarsa week.
And if you're putting it wherethe money is moving, the money's
growing.
You understand what I'm saying?
Okay, I think we all can admitwe waste five dollars a week.
Oh, all day, every day.
(24:48):
For the most part.
What is 20 bucks?
That's what you call it?
SPEAKER_02 (24:51):
20 bucks.
That's called 20 bucks.
20 bucks, not Starbucks?
SPEAKER_01 (24:53):
Nah, nah, it's 20 bucks.
It's 20 bucks.
SPEAKER_02 (24:56):
If you got kids, it might be 40 bucks.
It might be 40 bucks.
SPEAKER_01 (25:01):
So, so what's the mental here?
The mental is small steps count.
I just said that.
Small step count.
It's better to invest five amonth than zero yearly.
How about that?
Five a month than zero.
Yeah, five a month is a sixtydollar investment a year, and
who knows?
Investing either in crypto or inthese fractional stocks, that
(25:24):
that 60 might not be a hundred.
Where if you didn't put thatfive or ten bucks a month away,
um uh, you know, you will havezero.
You won't have anything.
So mentally, just think aboutthat.
If I just put away five or orten bucks a month into
something, boom.
That's not a month.
(25:46):
And and I know there's somepeople out there who can't do
that when we get that, butyou're gonna get there.
There's you're gonna get help toget there because if you're at
that point in your life, it is awhole different thing for you.
But if you have the opportunityto watch Finance Bros Network,
and and we're happy that you'reeither listening to us or you're
watching us, and and and justjust stay positive.
(26:07):
Help will come to you, and thenyou could always come back and
watch this show again or listento the podcast again to say, oh,
I remember when I was down andout, I was listening to these
guys, or I saw these guys, andthey were talking about
something about, you know, I gotthis last five hours, I paid
everything, but you know, I'm onhard time, but I'm leveling up.
(26:29):
I'm gonna make sure I never getback to where I have no money
again.
SPEAKER_02 (26:33):
I love that, bro.
Now it really means something.
You feel me?
Because it's applicable.
Right.
You know what I mean?
I love that, man.
Once it's once it's on, onceit's recorded and it's on it's
on wax, it's in the vault, yep,can't take it away.
Yep, yep.
Yeah, I like that, brother.
All right, hit him with thespiritual, bro.
All right, brother.
So here's the spiritual man.
Let investing be a form ofstewardship, not fear.
(26:54):
And in saying that, Mike, I wantto make it very clear that when
you take the time to learn aboutsomething, the fear of it starts
to go.
It starts to go away because youunderstand it a little more.
And when you get involved withsomething, any this is anything
we put our time into, it's gonnabe investing, it's gonna be
relationships, it could be a newjob you might be going into or a
(27:16):
career or a business you'reabout to go and start.
Yeah, take the time.
Let's take the time to educateourselves.
SPEAKER_00 (27:22):
Right.
SPEAKER_02 (27:22):
So we're making uh we're making decisions based on
uh strategy and not emotion.
There you go.
SPEAKER_01 (27:30):
There you go.
So that's the sewership thathe's talking about, you know,
letting that it become somethingthat you believe in.
And then and then you won't itwill you won't be afraid of it.
Yeah, and and just just believein something like that.
That's that's the spiritual,bro.
I get it.
Absolutely.
SPEAKER_02 (27:47):
And we're all have we all have something, a type of
legacy that we're building inour life, all right?
And to be financially free is ais it it's it's such a huge part
of being able to go out and givemore and do more and be in flow
and in alignment while we'redoing it.
SPEAKER_01 (28:06):
And live life, yeah, man.
Live life.
It's like, yeah, it don't be madthat it's wherever you at in
life, and maybe you're fortunateenough to be hearing us uh at
the age of 15, 17, and thenyou're adapting these rules.
Because I wish I had somethinglike that.
I wish because when you my age,listen, if you actually applying
(28:27):
it, when you my age, oh my god,you would be changing the world.
Elon Musk, who?
You feel me?
So if you're applying some ofthese practicalities in finance,
it'll help you grow.
So yeah, if you have 17, 18,take heart to this.
Try to adapt it as much as youcan.
(28:48):
But if you have 50, there'sthere's never no late to start.
Because now you're wiser.
What's gonna take that 17, 18year old maybe 10 years to
build?
You could knock it out in two.
SPEAKER_02 (28:59):
Yeah, yeah.
SPEAKER_01 (28:59):
You can't you can change your your situation in
two years.
SPEAKER_02 (29:03):
Right, right.
SPEAKER_01 (29:04):
So so think about that.
SPEAKER_02 (29:05):
Yeah, apply application, application at the
speed of light.
Right.
You know what I mean?
Right, action right away.
Don't sit on it.
There you go.
Don't sit on your hands, get outthere and do it.
SPEAKER_01 (29:14):
There you go.
And we're giving you the tools,we're showing you what to do,
and and it's not as expensive asyou think.
It's only expensive if you makeit expensive.
How about that?
Yeah, true.
SPEAKER_02 (29:26):
Could be more expensive not to do it.
Right, exactly.
SPEAKER_01 (29:29):
All right, let me hit them with the t-shirt.
So the t-shirt says fractionalshare.
Uh fractional shares becausesome of us only get.
Wait a minute, my bad.
I gotta read this right.
It's all good.
Go ahead.
Fractional shares because someof us only got fractional
paychecks.
How about that?
(29:49):
Ain't that something?
Fraction, in other words, we'regetting a piece of something
because we're only getting apiece of paycheck.
You feel me?
Oh man, as hard as you work, youain't getting that whole
paycheck, no matter what you do.
Now I feel you.
Remember, we talked about I take10% and do something for myself?
Because that 90% of that checkis going to something or
(30:11):
somebody else.
How about that?
SPEAKER_02 (30:12):
Yeah, that's true.
But hey, we got you got yougotta tell like it is, man.
That's true.
That's very true.
Hurtful or not, is what it is.
That's what it is.
So it is still fair becauseeverybody can get in the game.
Right, right.
Everybody can get in the game nomatter what we're working with.
Everybody can can take a smallpiece of their effort and apply
it towards their future in thisway.
(30:33):
Right.
SPEAKER_01 (30:33):
And I and I hope who knows that they maybe they're
gonna start teaching stuff likethis in school because this is
the stuff you need to learn whenwhen you get your first job.
You can start working uh at 15with with paperwork, right?
Yeah.
Most states.
Uh some might be even 14.
You could start working.
Man, get a job that young now.
Yeah, yeah, yeah.
But with a work permit.
(30:56):
So this should have been thefirst education that they that
they roll out, yeah.
Even before they get paid.
So we're talking about fromjunior high school, middle
school, junior high school,middle school.
This should have been aneducation that uh were given to
you.
But guess what?
The government ain't gonna dothat.
You crazy, you kidding me?
SPEAKER_02 (31:16):
Yeah, man.
And you think about it, likemost most people when we think
about something like that, it'slike I want to get a job so I
can go out and buy XYZ.
That's all they think about.
It's not.
I want to go get a job so I caninvest and save.
It's not the it's not thetypical conversation.
SPEAKER_01 (31:30):
And ironically, that's the best time.
Because guess what?
Mama's taking care of the rent.
Mama's taking care of the bills.
Mama, you you ain't got nobills.
That's the best time to do it.
That's the best time to do it.
So here you go.
Take advantage.
All right, we're gonna go.
Best practice.
Remember, we're starting fromthe first episode of the season
all the way up to now.
So here we go.
SPEAKER_02 (31:50):
Here we go, man.
SPEAKER_01 (31:50):
Whether it's Trump or anyone else in in office, you
are the president of yourpocket.
The wealthian policy is whatmatters most for your future,
and don't forget it.
Wealthians, the way you movetoday is how you will slay
(32:13):
tomorrow.
Maybe with digital currency,because ready or not, here it
comes.
So learn it and embrace itbecause it's the future of our
finance.
Or you can jump into somethingthat's more regulated, and you
can trust like five uh fine umfractional stocks.
(32:38):
So either this or that,wealthier, don't spend it,
invest it.
How about that?
SPEAKER_02 (32:45):
I love it, Mike.
There you go, brother.
It's all right.
And it just, man, I love it.
It gets better and better, andit gets bigger and bigger, and
we get to watch it all cometogether.
Hey y'all, we love y'all.
Thanks for tuning in.
Uh, next time, next episode,we're gonna be coming with some
knowledge for people on uh on.
We actually gonna be talkingabout a little bit about the
(33:06):
insurance.
Yeah, yeah, yeah.
All right, yeah, yeah.
Gonna be educational, gonna befun.
We're gonna get into some deeperdives as uh as the as the season
goes on.
But we definitely want to breakdown, like we say, break down
some fundamentals for themfirst.
All right.
So we got a real treat for youguys.
Obviously, don't forget to comecheck us out right here at our
home on HHN TV.
And don't forget to listen onall your social media podcast
(33:27):
platforms, Apple, ApplePodcasts, iHeartRadio, uh,
Spotify, you know, anywhere youcan find us, all right?
And obviously, as y'all know,Mike.
I appreciate you.
And we'll see you at the bank.
All right, peace, y'all.
Take care, world.
Later.
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