Hi, I am Rashan McDonald, our host the weekly Money Making Conversation Masterclass show. The interviews and information that this show provides are for everyone. It's time to stop reading other people's success stories and start living your own. If you want to be a guest oh my show, please visit our website, Moneymakingconversations dot com and click the be a Guest button. Press submit and information will come directly to me. Now let's get this show started. My guest is a visionary entrepreneur. She owned two successful clothing stores and hair salons by the age of twenty two. At twenty four, she boldly transitioned into financial services, licensing over twenty five states. She is the founder of Legend Life Financial, a company dedicated to empowering individuals and families to build wealth and secure their financial futures. Please welcome to Money Making Conversation Masterclass. Brianna Johnson on Brena, I am good.

Hi, I am Rashan McDonald, our host the weekly Money Making Conversation Masterclass show. The interviews and information that this show provides are for everyone. It's time to stop reading other people's success stories and start living your own. If you want to be a guest oh my show, please visit our website, Moneymakingconversations dot com and click the be a Guest button. Press submit and information will come directly to me. Now let's get this show started. My guest is a visionary entrepreneur. She owned two successful clothing stores and hair salons by the age of twenty two. At twenty four, she boldly transitioned into financial services, licensing over twenty five states. She is the founder of Legend Life Financial, a company dedicated to empowering individuals and families to build wealth and secure their financial futures. Please welcome to Money Making Conversation Masterclass. Brianna Johnson on Brena, I am good.

Can you hear me? Ladon Clear?

Can you hear me? Ladon Clear?

I hear you, Louen Clear, Miss Chicago, Miss Chicago.

I hear you, Louen Clear, Miss Chicago, Miss Chicago.

Yes, chic I go. Thank you so much for having me.

Yes, chic I go. Thank you so much for having me.

First of all, I lived in Chicago five years. It's February going into just turned March. Okay, how's the weather. I just got to ask you. Are you're suffering right now? Is it? What kind of clothes are you wearing right now? Can we see your face when you walk down the street.

First of all, I lived in Chicago five years. It's February going into just turned March. Okay, how's the weather. I just got to ask you. Are you're suffering right now? Is it? What kind of clothes are you wearing right now? Can we see your face when you walk down the street.

Yes, well right now you can see my face as I walk down the street. But I just left Atlanta, so it was definitely a transition. I'm just like, why am I suffering? Why do I still live here? I don't know.

Yes, well right now you can see my face as I walk down the street. But I just left Atlanta, so it was definitely a transition. I'm just like, why am I suffering? Why do I still live here? I don't know.

Because of the summer, Because of the summer.

Because of the summer, Because of the summer.

You know, there's summer just about to say that, you know, and then you feel like this during the cold months, and then summer just swings by, you know, casually, and.

You know, there's summer just about to say that, you know, and then you feel like this during the cold months, and then summer just swings by, you know, casually, and.

So here you are again like okay, well spring is first, and then summer and it's just like okay, I think I can do it, and you get stuck here after here. It's a cycle. It's a vicious cycle.

So here you are again like okay, well spring is first, and then summer and it's just like okay, I think I can do it, and you get stuck here after here. It's a cycle. It's a vicious cycle.

I know that summertime. You haven't been in Chicago during the summer. It is absolutely different. I tell people that's Beanna. It is absolutely fantastic. I am a foodie. I was born and raised in Houston. I've lived in New York City. I live currently in Atlanta, Georgia. I lived in Chicago five years. I lived in Los Angeles for fifteen years. Chicago has the best food anywhere outside of Houston Tech Now Houston, Texas killing it now, but Chicago, they got the best breakfast spots in the country. Y'all eat good in Chicago, my friend.

I know that summertime. You haven't been in Chicago during the summer. It is absolutely different. I tell people that's Beanna. It is absolutely fantastic. I am a foodie. I was born and raised in Houston. I've lived in New York City. I live currently in Atlanta, Georgia. I lived in Chicago five years. I lived in Los Angeles for fifteen years. Chicago has the best food anywhere outside of Houston Tech Now Houston, Texas killing it now, but Chicago, they got the best breakfast spots in the country. Y'all eat good in Chicago, my friend.

Oh, I couldn't agree more. Okay, I think that's another reason why I'm still here. Nothing here.

Oh, I couldn't agree more. Okay, I think that's another reason why I'm still here. Nothing here.

This assurance is a cup of coffee. Just a cup of coffee and you get your shoes. Why one of they not telling me in those commercial because I've had to pick up the phone and call them. But a lot of people are calling them because you see all these commercials and sometimes you see retired celebrities pushing life insurance packages. What are they not telling us about these insurance packages that you may be aware of that you are just telling us to look out for.

This assurance is a cup of coffee. Just a cup of coffee and you get your shoes. Why one of they not telling me in those commercial because I've had to pick up the phone and call them. But a lot of people are calling them because you see all these commercials and sometimes you see retired celebrities pushing life insurance packages. What are they not telling us about these insurance packages that you may be aware of that you are just telling us to look out for.

Absolutely great question. So what they're not telling you is what type of policy it is. What they're not telling you is that the cost of insurance is a goes according to if you're a male with female and your age factor, and so it gets people really rouled up and excited. So I would say that's literally called clickbait. They just want you to call in and then they will properly qualify you. But you have to ask those key questions, like what type of policy is this, because there is a difference between whole life and term. And what I've learned is sixty seven percent of people they just blindly buy policies and think that, Okay, this I'm going to buy this policy and the price of this policy is going to stay the same forever, and I'm locked in. But then they get a nice little note in a mail twenty years down the line saying, hey, your policy that was once fifty dollars forty dollars will now be four hundred and fifty dollars. And at that point in time you might be at retirement, income might have changed. So it's very important to talk to somebody who you know, you like, and your trust, and just to really be able to get educated on the different policies that are available on the market.

Absolutely great question. So what they're not telling you is what type of policy it is. What they're not telling you is that the cost of insurance is a goes according to if you're a male with female and your age factor, and so it gets people really rouled up and excited. So I would say that's literally called clickbait. They just want you to call in and then they will properly qualify you. But you have to ask those key questions, like what type of policy is this, because there is a difference between whole life and term. And what I've learned is sixty seven percent of people they just blindly buy policies and think that, Okay, this I'm going to buy this policy and the price of this policy is going to stay the same forever, and I'm locked in. But then they get a nice little note in a mail twenty years down the line saying, hey, your policy that was once fifty dollars forty dollars will now be four hundred and fifty dollars. And at that point in time you might be at retirement, income might have changed. So it's very important to talk to somebody who you know, you like, and your trust, and just to really be able to get educated on the different policies that are available on the market.

And I'm gonna put a love mustard on this sandwich here. My frat brother. My frat brother sold me some insurance. It was two hundred dollars every yeah, two hundred dollars every year. Did all of a sudden it jumped up to two thousand dollars. That's what she's saying. This is an honest conversation. Just because you know somebody don't mean they telling you the right policy. Do your research when they talk about when they because all policies show you the payments as they go through the years. They do that, and you need to look at every year and see does the price change in it? And we were not ready for that price change. And when it happened, I was mad and I called you here, you do you know? And then here was the kicker. I'm not in the insurance business no more.

And I'm gonna put a love mustard on this sandwich here. My frat brother. My frat brother sold me some insurance. It was two hundred dollars every yeah, two hundred dollars every year. Did all of a sudden it jumped up to two thousand dollars. That's what she's saying. This is an honest conversation. Just because you know somebody don't mean they telling you the right policy. Do your research when they talk about when they because all policies show you the payments as they go through the years. They do that, and you need to look at every year and see does the price change in it? And we were not ready for that price change. And when it happened, I was mad and I called you here, you do you know? And then here was the kicker. I'm not in the insurance business no more.

Oh, and you know, And that's another thing. It's just like when is the last time you talk to your agent? Are they still in the business. When is the last time you actually check the type of policy that you have or looked at it? You even know where your policy is. And so that's why I really take pride in educating my clients properly, doing the needs analysis that we can see exactly how much coverage they need and follow up with them every six months to a year, because your insurance needs will change as you change. So I'm glad you disclosed that, because most agents they just sell policies to get a commission and that's it.

Oh, and you know, And that's another thing. It's just like when is the last time you talk to your agent? Are they still in the business. When is the last time you actually check the type of policy that you have or looked at it? You even know where your policy is. And so that's why I really take pride in educating my clients properly, doing the needs analysis that we can see exactly how much coverage they need and follow up with them every six months to a year, because your insurance needs will change as you change. So I'm glad you disclosed that, because most agents they just sell policies to get a commission and that's it.

They don't, well, that's what they did for me. That's what you did for me. He sold, got a commission, and then got out of the business. I was stuck with this big annual bill did eventually, I'll be honest with which I canceled because I didn't see it. I didn't understand the value of paying that much more insurance into it. What is the difference between term hold and universal?

They don't, well, that's what they did for me. That's what you did for me. He sold, got a commission, and then got out of the business. I was stuck with this big annual bill did eventually, I'll be honest with which I canceled because I didn't see it. I didn't understand the value of paying that much more insurance into it. What is the difference between term hold and universal?

All right, so long story short, I'll try to break it down really to make it kindergarten simple as well. So term is the cheapest form of insurance that you can get. Term is about two dollars per thousands. Term it does exactly what it says is going to do. Is the price stays the same for a specific term, so that's twenty years, twenty five years, or thirty years. But you have to be mindful that there are annual renewable terms and policies that can increase every single year, so the price will start off real low. So that's what a lot of times these companies they're talking about call in the cost of insurance super low. It's like, okay, five dollars start now, but every single year is going to hike up, right, so be mindful of that. But it allows you to get a lot of coverage and not have to pay a lot. So my first policy that I received was a million dollar term policy when I was twenty four, only paying thirty five dollars per month. Okay, that's turn right. Now when we talk about whole life, whole life, it is a permanent life insurance policy, and the premiums never changed, but the cost of whole life is more expensive than term. It's about seventeen dollars per thousand. It also has a cash value component within the policy which allows you to borrow from the policy, and it has a consistent rate of return anywhere from two to five percent per year, but it takes three to five years for the cash to build up in a traditional whole life policy. Now we also have IULS, which is an index universal life insurance policy. So with this one, it's a flexible permanent life insurance policy that builds cash value that's based on the performance of the stock market, so it's tied directly to the market, but it's not investing directly into the market, and this allows you to make flexible premiums and a lot of people like these policies because it keeps your money safe. So when the market goes up, there'll be a cap typically somewhere between ten and twelve percent. But then when the market goes down, you don't participate in the market downside, right, so if the market goes down thirty percent, there is a floor typically of about one percent or one point two five percent. Now, last, but not least, we have universal life insurance policy. So these are a permanent policy that have as flexible premiums as well, but the cash value is not as high, well it won't build as high as an IU will, but it's not lower than a whole life policy. So those are the three different kinds of policies that you have outside of just you know, a final expense policy. And final expense policies are typically for those who have a lot of health issues or you know, have DUIs, reckless drive, and selonies, and those policies only typically go up to fifteen twenty thousand.

All right, so long story short, I'll try to break it down really to make it kindergarten simple as well. So term is the cheapest form of insurance that you can get. Term is about two dollars per thousands. Term it does exactly what it says is going to do. Is the price stays the same for a specific term, so that's twenty years, twenty five years, or thirty years. But you have to be mindful that there are annual renewable terms and policies that can increase every single year, so the price will start off real low. So that's what a lot of times these companies they're talking about call in the cost of insurance super low. It's like, okay, five dollars start now, but every single year is going to hike up, right, so be mindful of that. But it allows you to get a lot of coverage and not have to pay a lot. So my first policy that I received was a million dollar term policy when I was twenty four, only paying thirty five dollars per month. Okay, that's turn right. Now when we talk about whole life, whole life, it is a permanent life insurance policy, and the premiums never changed, but the cost of whole life is more expensive than term. It's about seventeen dollars per thousand. It also has a cash value component within the policy which allows you to borrow from the policy, and it has a consistent rate of return anywhere from two to five percent per year, but it takes three to five years for the cash to build up in a traditional whole life policy. Now we also have IULS, which is an index universal life insurance policy. So with this one, it's a flexible permanent life insurance policy that builds cash value that's based on the performance of the stock market, so it's tied directly to the market, but it's not investing directly into the market, and this allows you to make flexible premiums and a lot of people like these policies because it keeps your money safe. So when the market goes up, there'll be a cap typically somewhere between ten and twelve percent. But then when the market goes down, you don't participate in the market downside, right, so if the market goes down thirty percent, there is a floor typically of about one percent or one point two five percent. Now, last, but not least, we have universal life insurance policy. So these are a permanent policy that have as flexible premiums as well, but the cash value is not as high, well it won't build as high as an IU will, but it's not lower than a whole life policy. So those are the three different kinds of policies that you have outside of just you know, a final expense policy. And final expense policies are typically for those who have a lot of health issues or you know, have DUIs, reckless drive, and selonies, and those policies only typically go up to fifteen twenty thousand.

Biann and Johnson, you are the Queen of insurance right now. I'm giving you that title right now, yes.

Biann and Johnson, you are the Queen of insurance right now. I'm giving you that title right now, yes.

Yes, please. You can find me at Brianna Kayla j on all social media platforms. That's b R I A N N A KA Y la J. You can also call in directly at three one two seven six eight three six zero four and be sure to check out our website at legendlife dot com that's l G N D L I SE dot com and I'll be more than happy to serve you.

Yes, please. You can find me at Brianna Kayla j on all social media platforms. That's b R I A N N A KA Y la J. You can also call in directly at three one two seven six eight three six zero four and be sure to check out our website at legendlife dot com that's l G N D L I SE dot com and I'll be more than happy to serve you.

Please don't go anywhere. We'll be right back with more money Making Conversations Masterclass. Welcome back to the Money Making Conversations Masterclass hosted by Rashaan McDonald. Money Making Conversations Masterclass continues online at Moneymakingconversations dot com and follow money Making Conversations Masterclass on Facebook, Twitter and Instagram.

Please don't go anywhere. We'll be right back with more money Making Conversations Masterclass. Welcome back to the Money Making Conversations Masterclass hosted by Rashaan McDonald. Money Making Conversations Masterclass continues online at Moneymakingconversations dot com and follow money Making Conversations Masterclass on Facebook, Twitter and Instagram.

Well let's talk about you. You know to say that in my intro about two successful clothing stores and hair salons, I say salons wouldn't s by the age of twenty two? Talk about that because I can tell you at the age of twenty two, I think I was attending for fraternity to parties. I really do believe that's what I was doing and doing all the wrong things, but entrepren lewdership was not in my plan. How did you how did that? What part of your DNA push you in that direction in such an early age to accomplish those things.

Well let's talk about you. You know to say that in my intro about two successful clothing stores and hair salons, I say salons wouldn't s by the age of twenty two? Talk about that because I can tell you at the age of twenty two, I think I was attending for fraternity to parties. I really do believe that's what I was doing and doing all the wrong things, but entrepren lewdership was not in my plan. How did you how did that? What part of your DNA push you in that direction in such an early age to accomplish those things.

My father, honestly, you said it right, has been embedded into my DNA. I actually started working at the age of I believe was I thirteen or fourteen. I was working in clothing stores, and at that point in time, you weren't supposed to be working, you had to be sixteen years old. But I had a gift when it came to sales, and I was actually working in retail. And at that point in time, that's when I knew I wanted to open up my own stores. And my father, he's actually been in the financial service industry since I was four years old, being an entrepreneur, so I knew that I wanted to be an entrepreneur. At first, I didn't know how it was going to come about, But just watching him and growing up and seeing the freedom and flex ability that he had, I'm like, corporate is not going to be for me. You know, I'm gonna use corporate as a college at school to propel me eventually at some point in my life.

My father, honestly, you said it right, has been embedded into my DNA. I actually started working at the age of I believe was I thirteen or fourteen. I was working in clothing stores, and at that point in time, you weren't supposed to be working, you had to be sixteen years old. But I had a gift when it came to sales, and I was actually working in retail. And at that point in time, that's when I knew I wanted to open up my own stores. And my father, he's actually been in the financial service industry since I was four years old, being an entrepreneur, so I knew that I wanted to be an entrepreneur. At first, I didn't know how it was going to come about, But just watching him and growing up and seeing the freedom and flex ability that he had, I'm like, corporate is not going to be for me. You know, I'm gonna use corporate as a college at school to propel me eventually at some point in my life.

So yeah, you know, But that's so you didn't have that fear, you know, because a lot of people have fear of transcention of transitioning from a forty hour week job and go, I don't know if I can leave this job. What if I'm not successful? Because being an entrepreneur, what do you say to your to people who are out there afraid to consider that or want to do it and don't know how to make the next step, Because, like I said, two successful clothing stores, hair salon's in Chicago by the age of twenty two.

So yeah, you know, But that's so you didn't have that fear, you know, because a lot of people have fear of transcention of transitioning from a forty hour week job and go, I don't know if I can leave this job. What if I'm not successful? Because being an entrepreneur, what do you say to your to people who are out there afraid to consider that or want to do it and don't know how to make the next step, Because, like I said, two successful clothing stores, hair salon's in Chicago by the age of twenty two.

Well, you know what, if I'm going to be honest, I wouldn't say I didn't have fear. I would just say that I had fear, and I faced the fear and did it anyway. Because fear is nothing but false expectations appearing real. So I was condition to just just push past fear because everything that you want is on the other side of fear. So I would just tell people, Hey, fear is just a temporary emotion, but if you don't step out of your comfort zone, nothing changes if you don't change, So feel the fear and do it anyway.

Well, you know what, if I'm going to be honest, I wouldn't say I didn't have fear. I would just say that I had fear, and I faced the fear and did it anyway. Because fear is nothing but false expectations appearing real. So I was condition to just just push past fear because everything that you want is on the other side of fear. So I would just tell people, Hey, fear is just a temporary emotion, but if you don't step out of your comfort zone, nothing changes if you don't change, So feel the fear and do it anyway.

She just threw out that real quick, false expectation appearing real like I, and that was over there. F e A. She just said, fear is she given that? Come on now? You can talk. Girl was out there selling clothes at thirteen, fourteen, fifteen and didn't know what to do with you. Now, now when you made that transition, you know, because you said your father was in financial services. When you say financial services, and you did it at the age of twenty four, again, another major leap in your brain, your mindset, but your father had. That's why I always love mentoring people, showing them they can accomplish, because if you don't see it, then guess what you will be? What everybody expects you to be, That regular person, that forty hour week person. What is financial services? Will you mentioned your father's background?

She just threw out that real quick, false expectation appearing real like I, and that was over there. F e A. She just said, fear is she given that? Come on now? You can talk. Girl was out there selling clothes at thirteen, fourteen, fifteen and didn't know what to do with you. Now, now when you made that transition, you know, because you said your father was in financial services. When you say financial services, and you did it at the age of twenty four, again, another major leap in your brain, your mindset, but your father had. That's why I always love mentoring people, showing them they can accomplish, because if you don't see it, then guess what you will be? What everybody expects you to be, That regular person, that forty hour week person. What is financial services? Will you mentioned your father's background?

Okay, so there are a lot of different factors within financial services. It is very very broad. But what he specialized in particularly is life insurance. So that is the field that I jumped into. I actually when I own my clothing stores and hair salons, my father he will always come into them and he would see certain items still up or saying, okay, how much did you make? You're working so hard? You can be you know, working less and making more and making more of an impact, you know, if you just take the test. So I eventually resist.

Okay, so there are a lot of different factors within financial services. It is very very broad. But what he specialized in particularly is life insurance. So that is the field that I jumped into. I actually when I own my clothing stores and hair salons, my father he will always come into them and he would see certain items still up or saying, okay, how much did you make? You're working so hard? You can be you know, working less and making more and making more of an impact, you know, if you just take the test. So I eventually resist.

Day use resistance day trying to go.

Day use resistance day trying to go.

Down that path one hundred yes, because that was his claim to fame. And I'm just like, there was nothing sexy, cool or fly about financial service. When you think about financial service and life insurance, you think of older people with song. Not today, not with me, not today, not with me?

Down that path one hundred yes, because that was his claim to fame. And I'm just like, there was nothing sexy, cool or fly about financial service. When you think about financial service and life insurance, you think of older people with song. Not today, not with me, not today, not with me?

She fly, y'all, y'all need to see her pictures of fly, cop boy hat, leather pants, all this in Chicago. But she's doing a whole different thing up there, up there, yodling up there in Chicago. But you know, that's what That's what I was talking to another friend of mine about when she was talking about, you know, manufacturing, and then she said, manufacturing didn't found hip like tech, you know, like like you know, like you know, programmers. That's not a very hips very smart. When you say manufacturing, it sounds like you had a hard hat on and you had a launch pail that you had to go to work with. And so when you was in clothing, you know, who can't you know, clothing is clothing. You walk in there, you put your clothes on people and mirrors trying to look good or looking good or you telling them they look good just so they can get those clothes off those wrecks so they can get out that door and they come back. And I'm sure you was in the Ladies line of clothing. That means they coming back all the time buying. And with your big personality, you saw a future. But did you say to yourself, I think I can make a lot more money any shillings? When did that thought? When did that thought hit your brain? Like your dad kept telling you all those years.

She fly, y'all, y'all need to see her pictures of fly, cop boy hat, leather pants, all this in Chicago. But she's doing a whole different thing up there, up there, yodling up there in Chicago. But you know, that's what That's what I was talking to another friend of mine about when she was talking about, you know, manufacturing, and then she said, manufacturing didn't found hip like tech, you know, like like you know, like you know, programmers. That's not a very hips very smart. When you say manufacturing, it sounds like you had a hard hat on and you had a launch pail that you had to go to work with. And so when you was in clothing, you know, who can't you know, clothing is clothing. You walk in there, you put your clothes on people and mirrors trying to look good or looking good or you telling them they look good just so they can get those clothes off those wrecks so they can get out that door and they come back. And I'm sure you was in the Ladies line of clothing. That means they coming back all the time buying. And with your big personality, you saw a future. But did you say to yourself, I think I can make a lot more money any shillings? When did that thought? When did that thought hit your brain? Like your dad kept telling you all those years.

Yeah, So it was crazy because I was actually when I had my clothing stores, because like you mentioned, I wouldn't say I wasn't fearful. I was literally bartending on the weekend while I had my clothing store because of the unpredictable income. So then with bartending, I was let go, right so at that point in time, But with bartndy, you can make a lot of money and not working as much. So when I was let go, I knew immediately that I could not return to a corporate job and you know, make a lot and work less. So that's when I gave in to the industry. Now, I also saw the impact that it had within our community, Okay, And I.

Yeah, So it was crazy because I was actually when I had my clothing stores, because like you mentioned, I wouldn't say I wasn't fearful. I was literally bartending on the weekend while I had my clothing store because of the unpredictable income. So then with bartending, I was let go, right so at that point in time, But with bartndy, you can make a lot of money and not working as much. So when I was let go, I knew immediately that I could not return to a corporate job and you know, make a lot and work less. So that's when I gave in to the industry. Now, I also saw the impact that it had within our community, Okay, And I.

Was like, you know, before we get to the impact, how did you get into it. I know you said you said something by test, because when I hear the word financial services, I hear college, I had four your degrees, I hear NBA. But you're saying that you got into financial services on the insurance side by taking the test. Let's talk about that.

Was like, you know, before we get to the impact, how did you get into it. I know you said you said something by test, because when I hear the word financial services, I hear college, I had four your degrees, I hear NBA. But you're saying that you got into financial services on the insurance side by taking the test. Let's talk about that.

Yep. Okay. So I had to take a state test, so it was fixed chapters. And when I say I was so scared, I think at that point in time, I could I could barely afford to really park downtown, you know, downtown parking in Chicago expensive. So I'm just like, I'm down here at this state center taking it tests, really really scared. But I end up passing on that first try. So after I took my state test, I was able to get my license in Illinois, and then I eventually started to get license in different states. Now I know you how.

Yep. Okay. So I had to take a state test, so it was fixed chapters. And when I say I was so scared, I think at that point in time, I could I could barely afford to really park downtown, you know, downtown parking in Chicago expensive. So I'm just like, I'm down here at this state center taking it tests, really really scared. But I end up passing on that first try. So after I took my state test, I was able to get my license in Illinois, and then I eventually started to get license in different states. Now I know you how.

Many states are your licensing? How many states are you licensed?

Many states are your licensing? How many states are you licensed?

I think right now we're hovering or at about thirty about thirty states.

I think right now we're hovering or at about thirty about thirty states.

So you can sell insurance and so basically just educate me here. So you have to be the licensed in that state to sell insurance in that state. That is correct, and so but you can take the test in other states and sell insurance in Texas or Georgia or Florida.

So you can sell insurance and so basically just educate me here. So you have to be the licensed in that state to sell insurance in that state. That is correct, and so but you can take the test in other states and sell insurance in Texas or Georgia or Florida.

So the beautiful thing about it is you only have to take the state test once and then you just pay the cost of the insurance license or your individual state every year or every two years whenever you have to renew.

So the beautiful thing about it is you only have to take the state test once and then you just pay the cost of the insurance license or your individual state every year or every two years whenever you have to renew.

Wow. So just talking to potential people out there, you know, hunker now. But it's easier said than done because a lot of people don't see that model. How did you see that business model? And I'm gonna ask you this question. Did your father have that same vision for his business model to expand to other states?

Wow. So just talking to potential people out there, you know, hunker now. But it's easier said than done because a lot of people don't see that model. How did you see that business model? And I'm gonna ask you this question. Did your father have that same vision for his business model to expand to other states?

You know what, I don't think he had the same vision to expand to other states. He stayed pretty stationary. And I just saw the need and the impact and also, like you asked, the income potential because I was able. When I really realized how much money I can make in this industry is when I set with a client for about forty five minutes, and at that point in time, I did not have my presentation down, but I still made one thousand dollars And I said, you know what, if I can perfest this and listen to my father and stop taking this thing for granted and just like, oh my dad does it whatever, whatever, Then Bree, you can make a lot of income in make a huge impact. So let's stop playing. So he didn't see the vision to get license and you know, as many states as humanly possible, But I did so I took what he gave me and I just took it to the next level.

You know what, I don't think he had the same vision to expand to other states. He stayed pretty stationary. And I just saw the need and the impact and also, like you asked, the income potential because I was able. When I really realized how much money I can make in this industry is when I set with a client for about forty five minutes, and at that point in time, I did not have my presentation down, but I still made one thousand dollars And I said, you know what, if I can perfest this and listen to my father and stop taking this thing for granted and just like, oh my dad does it whatever, whatever, Then Bree, you can make a lot of income in make a huge impact. So let's stop playing. So he didn't see the vision to get license and you know, as many states as humanly possible, But I did so I took what he gave me and I just took it to the next level.

Wow. When we would come back, she's going to answer a question that I won't answer, the difference between term life, whole life, and universal. We would come back with more money making Conversation master class, which she started. She says she's been working since she was thirteen. Well, it was working out good because at twenty two she had clothing stores and hair salons and at twenty four she transitioned to financial servicesna I want to make sure I'm getting the name of your business correct. Is that legend Life Financial and legend is LGND.

Wow. When we would come back, she's going to answer a question that I won't answer, the difference between term life, whole life, and universal. We would come back with more money making Conversation master class, which she started. She says she's been working since she was thirteen. Well, it was working out good because at twenty two she had clothing stores and hair salons and at twenty four she transitioned to financial servicesna I want to make sure I'm getting the name of your business correct. Is that legend Life Financial and legend is LGND.

Correct?

Correct?

That is correct, LGND Life Financial. Now Brianna has served over five thousand families as in the financial services. She's paid our millions in claims ensuring financial stability for our clients. She's licensed in over thirty states. She's also mentored and trained more than two hundred and fifty life insurance agents fostering growth and success in the financial sector for people of color. Why is that important to you?

That is correct, LGND Life Financial. Now Brianna has served over five thousand families as in the financial services. She's paid our millions in claims ensuring financial stability for our clients. She's licensed in over thirty states. She's also mentored and trained more than two hundred and fifty life insurance agents fostering growth and success in the financial sector for people of color. Why is that important to you?

It's very important to me because, like I mentioned before, when I was working in corporate, I was always trying to climb the ladder, but I just could never make it to the top due to discrimination or people thinking that I wasn't qualified to sit at tables, although I was putting up the buckets and the numbers to take us to championships. So, when it comes to financial services, this vehicle literally I call it a ferrari because it can get you from where you are to where you want to be a lot faster. And also with the education piece with life insurance, our community is great underserved and there can never be too many educators to help our community understand really basic financial principles when it comes to life insurance. So being able to mentor coach and develop and help people get from where they are to where they want to be and have you know, another business running parallel to what they have going on right now is a complete game changer.

It's very important to me because, like I mentioned before, when I was working in corporate, I was always trying to climb the ladder, but I just could never make it to the top due to discrimination or people thinking that I wasn't qualified to sit at tables, although I was putting up the buckets and the numbers to take us to championships. So, when it comes to financial services, this vehicle literally I call it a ferrari because it can get you from where you are to where you want to be a lot faster. And also with the education piece with life insurance, our community is great underserved and there can never be too many educators to help our community understand really basic financial principles when it comes to life insurance. So being able to mentor coach and develop and help people get from where they are to where they want to be and have you know, another business running parallel to what they have going on right now is a complete game changer.

Now. So just like you were saying, you know you were even though you had hair salons, even though you have, you know, the the clothing stores. You still was able to do an insurance on the side and so, which became a very lucrative hustle, and eventually it became your full time hustle, which became a very nationwide business at your age. Now, how do you feel about that? You know, because again this is not what your father did. Your father was living and provided a great lifestyle for you, but he gave you the vision, the instinct, the entrepreneurial spirit to go beyond his dream. I like that as is your father alive now?

Now. So just like you were saying, you know you were even though you had hair salons, even though you have, you know, the the clothing stores. You still was able to do an insurance on the side and so, which became a very lucrative hustle, and eventually it became your full time hustle, which became a very nationwide business at your age. Now, how do you feel about that? You know, because again this is not what your father did. Your father was living and provided a great lifestyle for you, but he gave you the vision, the instinct, the entrepreneurial spirit to go beyond his dream. I like that as is your father alive now?

Yes he is.

Yes he is.

What does he think of his What does he think of his daughter? Brianna Johnson?

What does he think of his What does he think of his daughter? Brianna Johnson?

He is more than proud. He's just like you know what. You listen to everything that I told you growing up, and just to see him propelled just makes him extremely, extremely happy and proud.

He is more than proud. He's just like you know what. You listen to everything that I told you growing up, and just to see him propelled just makes him extremely, extremely happy and proud.

Thank you for coming on Money Man. It commes so you knew I got to bring you back. You a fantastic talker and you've educated me and I think more people need to hear what you got to say. Thank you for coming on Money Making Conversation Masterclass. Brianna Johnson.

Thank you for coming on Money Man. It commes so you knew I got to bring you back. You a fantastic talker and you've educated me and I think more people need to hear what you got to say. Thank you for coming on Money Making Conversation Masterclass. Brianna Johnson.

Thank you, thank you for having me back.

Thank you, thank you for having me back.

This has been another edition of Money Making Conversation master Class hosted by me Rashan McDonald. Thank you to our guests on the show today and thank you our listening audience now. If you want to listen to any episode or want to be on the guests be a guest on the show, visit Moneymakingconversations dot com. Our social media handle is money Making Conversation. Join us next week and remember to always leave with your gifts. Keep winning. This has been another edition of Money Making Conversation Masterclass hosted by me Rashaun McDonald. Thank you to our guests on the show today and thank you our listening to audience now. If you want to listen to.

This has been another edition of Money Making Conversation master Class hosted by me Rashan McDonald. Thank you to our guests on the show today and thank you our listening audience now. If you want to listen to any episode or want to be on the guests be a guest on the show, visit Moneymakingconversations dot com. Our social media handle is money Making Conversation. Join us next week and remember to always leave with your gifts. Keep winning. This has been another edition of Money Making Conversation Masterclass hosted by me Rashaun McDonald. Thank you to our guests on the show today and thank you our listening to audience now. If you want to listen to.

Any episode I want to be a guest on the show, visit Moneymakingconversations dot com. Our social media handle is money Making Conversation. Join us next week and remember to always leave with your gifts.

Any episode I want to be a guest on the show, visit Moneymakingconversations dot com. Our social media handle is money Making Conversation. Join us next week and remember to always leave with your gifts.

Keep winning.

Keep winning.