Welcome back to the Seven Nationmanship right here over the digital airways of YouTube and of course, iHeartRadio. My guest was named to the twenty twenty four Time Magazine and Oral list of the Closers, eighteen global leaders working to close.

Welcome back to the Seven Nationmanship right here over the digital airways of YouTube and of course, iHeartRadio. My guest was named to the twenty twenty four Time Magazine and Oral list of the Closers, eighteen global leaders working to close.

The racial wealth gap. He's a c NBC contributor.

The racial wealth gap. He's a c NBC contributor.

Host of iHeartRadio podcast Money and Wealth, the founder.

Host of iHeartRadio podcast Money and Wealth, the founder.

And CEO of Operation Hope, Inc.

And CEO of Operation Hope, Inc.

The nation's largest nonprofit provider of financial literacy.

The nation's largest nonprofit provider of financial literacy.

Please welcome to the show to one and only John Hope. Brian, John.

Please welcome to the show to one and only John Hope. Brian, John.

It's an honor and the privilege to finally meet you, my man. How's everything going.

It's an honor and the privilege to finally meet you, my man. How's everything going.

To be here? God is good. I'm perfect.

To be here? God is good. I'm perfect.

You know you hear those things.

You know you hear those things.

You know, I just just echoed all of those things that you've accomplished. As you sit here of the day looking at all the things that you have done for the impoverish communities throughout this country, So much stuff that you've done, as it pertains to financial literacy, runs through your mind at this moment in time when you hear that about yourself.

You know, I just just echoed all of those things that you've accomplished. As you sit here of the day looking at all the things that you have done for the impoverish communities throughout this country, So much stuff that you've done, as it pertains to financial literacy, runs through your mind at this moment in time when you hear that about yourself.

Not enough, because because the problem is out running my capacity to get my hands around it. You know, we wanted relevancy. We also needed momentum and scale. We have momentum, we have relevancy. Now we need more scale. The latter of aspiration is broken in this country. We're confused about our business plan as a nation. We don't have ten years to figure it out. There's not enough successful, college educated white men that drive GDP for the next twenty years. That's not a racial comment, it's just math. We're not preparing the next generation of people who look more like me than your producer to engage in the economy. Everybody needs the bottom to get to the top, which is what's happened every one hundred years. By the way, it just used to be Italians or Jews or whoever it was at the bottom, Polish and so on and so forth.

Not enough, because because the problem is out running my capacity to get my hands around it. You know, we wanted relevancy. We also needed momentum and scale. We have momentum, we have relevancy. Now we need more scale. The latter of aspiration is broken in this country. We're confused about our business plan as a nation. We don't have ten years to figure it out. There's not enough successful, college educated white men that drive GDP for the next twenty years. That's not a racial comment, it's just math. We're not preparing the next generation of people who look more like me than your producer to engage in the economy. Everybody needs the bottom to get to the top, which is what's happened every one hundred years. By the way, it just used to be Italians or Jews or whoever it was at the bottom, Polish and so on and so forth.

Immigrants.

Immigrants.

The immigrants look different now, are the people at the bottom look different now? But we still need them to get to the top. We're all in this thing call America together, and everybody wants to be an American, but Americans. So it started out as a simple thing of how do you empower people to do better? Give them financial literacy, give them tools to the game. I think, as you know, the financial literacy is a civil rights issue of this generation I think if doctor King was alive today, this is what he'd be focused on.

The immigrants look different now, are the people at the bottom look different now? But we still need them to get to the top. We're all in this thing call America together, and everybody wants to be an American, but Americans. So it started out as a simple thing of how do you empower people to do better? Give them financial literacy, give them tools to the game. I think, as you know, the financial literacy is a civil rights issue of this generation I think if doctor King was alive today, this is what he'd be focused on.

You call it the civil rights issue of this generation, and you say that specifically just to crystallize.

You call it the civil rights issue of this generation, and you say that specifically just to crystallize.

And illumina for illuminated for the audience.

And illumina for illuminated for the audience.

Why do you call it that, because if you don't know better, you can't do better in a blind town or when I'm Man's King. If you hang around nine bro people, you'll be the tenth. I mean, money is nothing but freedom, but economic freedom is probably the only one knowing to take it back from you.

Why do you call it that, because if you don't know better, you can't do better in a blind town or when I'm Man's King. If you hang around nine bro people, you'll be the tenth. I mean, money is nothing but freedom, but economic freedom is probably the only one knowing to take it back from you.

Clearly you look at it. Now.

Clearly you look at it. Now.

You can take political freedom, you can take religious freedom, you can take a woman's freedom.

You can take political freedom, you can take religious freedom, you can take a woman's freedom.

I mean a lot of.

I mean a lot of.

Things that we just thought were you know, norms are now either at the ballot box or at the judge's table or judge's bench, and somebody else is deciding that for you. But unless you screw it up, economic freedom is yours. And there's a lot can be done when you have economic freedom. But you've got to understand how the economy works, Stevid we have. We're the largest economy on the planet twenty six twenty seven trillion dollars. There's eight billion people in the world, We're only three hundred and fifty million. We're a bad moment moment. This is an amazing experiment with all our problems in America, like capitalism and democracy are horrible systems except for every other system, and we practice bad capitalism slavery. Now we have an opportunity to practice good capitalism involving all of God's children. An economy that's seventy percent consumer spending or slow that down. With the biggest economy in the world. You can't be a superpower unless you're the economic power. It's never happened in history. But seventy percent of the economy is driven by your producer. You're making people. Everybody going to lunch, going to dinner, going on vacation, going on plane flights. And if that happens, financial literacy strength. If that doesn't happen, we're all done. And for people watching this or listening to this and they thinking, well, he's talking about poor people, hold out. Slow down. You make five you make one hundred thousand dollars a year. Half of those are living from patriock to paycheck. Somebody just said, amen, you're making two hundred and fifty thousand dollars a year. I was just stuck with them in the tunnel coming from Manhattan. A third of those of living from patriock to paycheck. You're living in Manhattan, you make a hundre undred thousand dollars a year. It feels like thirty nine thousand dollars a year.

Things that we just thought were you know, norms are now either at the ballot box or at the judge's table or judge's bench, and somebody else is deciding that for you. But unless you screw it up, economic freedom is yours. And there's a lot can be done when you have economic freedom. But you've got to understand how the economy works, Stevid we have. We're the largest economy on the planet twenty six twenty seven trillion dollars. There's eight billion people in the world, We're only three hundred and fifty million. We're a bad moment moment. This is an amazing experiment with all our problems in America, like capitalism and democracy are horrible systems except for every other system, and we practice bad capitalism slavery. Now we have an opportunity to practice good capitalism involving all of God's children. An economy that's seventy percent consumer spending or slow that down. With the biggest economy in the world. You can't be a superpower unless you're the economic power. It's never happened in history. But seventy percent of the economy is driven by your producer. You're making people. Everybody going to lunch, going to dinner, going on vacation, going on plane flights. And if that happens, financial literacy strength. If that doesn't happen, we're all done. And for people watching this or listening to this and they thinking, well, he's talking about poor people, hold out. Slow down. You make five you make one hundred thousand dollars a year. Half of those are living from patriock to paycheck. Somebody just said, amen, you're making two hundred and fifty thousand dollars a year. I was just stuck with them in the tunnel coming from Manhattan. A third of those of living from patriock to paycheck. You're living in Manhattan, you make a hundre undred thousand dollars a year. It feels like thirty nine thousand dollars a year.

So everybody says, but is that because of your spending habits? Is it because the government's taking half your money? Or in terms of federal and state income tax, what would be the reason why people living off a half of that or less?

So everybody says, but is that because of your spending habits? Is it because the government's taking half your money? Or in terms of federal and state income tax, what would be the reason why people living off a half of that or less?

In your estimation the money.

In your estimation the money.

I mean, life in the leading developed economy in the world is just expensive, and you've got too many people who have not figured out how Look, your money makes more money on money than you just making money on your time. But people confuse making money making a living, That's why I call it making a living a paycheck, and confused making money with building wealth. Okay, so let's be practical, okay. Number one way to build wealth in America home ownership. What percentage of black people who built this country are free own a home forty one to forty four forty five percent. That's a problem right there. Seventy five percent of our mainstream counterparts own a home.

I mean, life in the leading developed economy in the world is just expensive, and you've got too many people who have not figured out how Look, your money makes more money on money than you just making money on your time. But people confuse making money making a living, That's why I call it making a living a paycheck, and confused making money with building wealth. Okay, so let's be practical, okay. Number one way to build wealth in America home ownership. What percentage of black people who built this country are free own a home forty one to forty four forty five percent. That's a problem right there. Seventy five percent of our mainstream counterparts own a home.

Number One way you build wealth.

Number One way you build wealth.

What percentage of black people are in the stock market eighteen to twenty percent. The market has been on an absolute tear. You can be done blind and stupid and still irrational, completely irrational, and still make a fortune in the stock market.

What percentage of black people are in the stock market eighteen to twenty percent. The market has been on an absolute tear. You can be done blind and stupid and still irrational, completely irrational, and still make a fortune in the stock market.

My friend would not mind me saying this.

My friend would not mind me saying this.

My brother Stevie Wonder can see this, and he's made a fortune in the stock market and owning radio stations and owning and owning and owning. He can see better than most of us. He's brilliant. So we have not been taught financial literacy is what we don't know. That we don't know that's killing us. But we think we know. And in a blind town on one eyed man's king, if you don't know better, you can't do better. And as an old Southern saying, no matter how much I love you, my son and my daughter, if I don't have wisdom, I can only give you my own ignorance. So out of love, we're passing down bad habits from generations generation and now it's not just black people or brown people. And by the way, after American's are the lowest average credit scored in America six to twenty, which means racism, bias aside, we can't get approved for a loan, and we think it's racism.

My brother Stevie Wonder can see this, and he's made a fortune in the stock market and owning radio stations and owning and owning and owning. He can see better than most of us. He's brilliant. So we have not been taught financial literacy is what we don't know. That we don't know that's killing us. But we think we know. And in a blind town on one eyed man's king, if you don't know better, you can't do better. And as an old Southern saying, no matter how much I love you, my son and my daughter, if I don't have wisdom, I can only give you my own ignorance. So out of love, we're passing down bad habits from generations generation and now it's not just black people or brown people. And by the way, after American's are the lowest average credit scored in America six to twenty, which means racism, bias aside, we can't get approved for a loan, and we think it's racism.

But it's a credit score. It's a credit average of six twenty. Actually I thought the number was lower. I'm not gonna lie tot.

But it's a credit score. It's a credit average of six twenty. Actually I thought the number was lower. I'm not gonna lie tot.

I thought that was low.

I thought that was low.

So you're a smart man. What happens is is averages. So you and me are bringing the average up world eight hundred.

So you're a smart man. What happens is is averages. So you and me are bringing the average up world eight hundred.

Speak for yourself.

Speak for yourself.

I mean, I'm not gonna pretend I've been I'm highing you.

I mean, I'm not gonna pretend I've been I'm highing you.

I'm approaching seven.

I'm approaching seven.

It was a buff seventh, the seven on it is sexy, brother man seven of the credit score. Neighborhoods don't don't riot, they go shopping, right, And so the problem is that our cousins and our and all our friends got a credit score of five fifty five eighty and the average of that are sevens and their fives is six twenty. Right, So but whatever it is, that's not a good enough to get a mortgage loan at a good interest rate. Is not good enough to get so forget a small business loan. Okay, how smart you are, that's risky credit. That's a seven country credit course. So we assume that it's racism, and it might be, but in all likelihood, the computer, because even a part about the taste, the computer would just say yes at midnight. There's nobody looking at you and looking at you cross eyed. If you have a seven hundred credit score, you got black, you're green the color. The computer will just say yes at midnight. So we don't have enough of us who have order staying. You got to get your credit score up, your debt ratios down, your savings up, so the computer can say yes, we know how to do that. In Operation Hope, that's not financial wealth is knowledge wealth. That's financial literacy, so you can access good credit.

It was a buff seventh, the seven on it is sexy, brother man seven of the credit score. Neighborhoods don't don't riot, they go shopping, right, And so the problem is that our cousins and our and all our friends got a credit score of five fifty five eighty and the average of that are sevens and their fives is six twenty. Right, So but whatever it is, that's not a good enough to get a mortgage loan at a good interest rate. Is not good enough to get so forget a small business loan. Okay, how smart you are, that's risky credit. That's a seven country credit course. So we assume that it's racism, and it might be, but in all likelihood, the computer, because even a part about the taste, the computer would just say yes at midnight. There's nobody looking at you and looking at you cross eyed. If you have a seven hundred credit score, you got black, you're green the color. The computer will just say yes at midnight. So we don't have enough of us who have order staying. You got to get your credit score up, your debt ratios down, your savings up, so the computer can say yes, we know how to do that. In Operation Hope, that's not financial wealth is knowledge wealth. That's financial literacy, so you can access good credit.

I'm gonna get into the operation and hopeful just a couple of minutes. But I wanted to go back to something you said earlier, just a few minutes ago, when you talked about this nation.

I'm gonna get into the operation and hopeful just a couple of minutes. But I wanted to go back to something you said earlier, just a few minutes ago, when you talked about this nation.

This country, it's confused. You talked about it being confused.

This country, it's confused. You talked about it being confused.

Speak to that for a second, and be specific about who you're talking about, what you're talking about, because again you would have some people that would sit up like yourself.

Speak to that for a second, and be specific about who you're talking about, what you're talking about, because again you would have some people that would sit up like yourself.

You just articulated folks who are a bit confused.

You just articulated folks who are a bit confused.

In my estimation, sometimes I look at it, John, And I gotta tell you, I don't see confusion as much as I see a dog, a dogged fierce commitment to getting what you want, no matter who it's at the expense of.

In my estimation, sometimes I look at it, John, And I gotta tell you, I don't see confusion as much as I see a dog, a dogged fierce commitment to getting what you want, no matter who it's at the expense of.

Well, that's what I think.

Well, that's what I think.

That's what I think is wrong with the country.

That's what I think is wrong with the country.

Well, but that's confusion. That's confusion. Okay.

Well, but that's confusion. That's confusion. Okay.

Anybody watching this who's married, they know you got a decision to make. Do you want to be married or you want to be right?

Anybody watching this who's married, they know you got a decision to make. Do you want to be married or you want to be right?

Do you want to be right?

Do you want to be right?

Yeah, those are two different decisions. If you want to be married or do you want to be right. You can be right and be alone or married and get along right. So we are You have to figure out in this country something that from the up until now we have all we better together and only in a relationship. I love math because it doesn't have an opinion. Some melody hops in quote you'd like to give her your credit. But the only place I don't agree with that is in a relationship. The math should not work in a relationship. Two plus two has to equal six, eight or ten.

Yeah, those are two different decisions. If you want to be married or do you want to be right. You can be right and be alone or married and get along right. So we are You have to figure out in this country something that from the up until now we have all we better together and only in a relationship. I love math because it doesn't have an opinion. Some melody hops in quote you'd like to give her your credit. But the only place I don't agree with that is in a relationship. The math should not work in a relationship. Two plus two has to equal six, eight or ten.

What are you doing right? I can do that all by myself. I don't need help.

What are you doing right? I can do that all by myself. I don't need help.

As Quincy Jones would say, the only Worse than being alone is wishing.

As Quincy Jones would say, the only Worse than being alone is wishing.

That you were.

That you were.

So I don't need somebody else to drag me down. I need somebody to help lift me up. So relationships, you should be better together. So where America is in a relationship with other Americans, and together we rise up and contribute and to build this light on the heel, a place for democracy and freedom, an open door for everybody who's reasonable and who can come through and follow the rules and play by the rules and all that kind of stuff, and who can help us to drive once again freedom and economic prosperity for all, which means you have a shot to go from the bottom of that ladder to the top. And people don't believe they can go from the bottom to the top. That's why my poor white friends are riding at the ballot box right now. People can figure out what I mean by that. We left them alone in an industrial revolution, didn't give them a business plan for their life. They were making a nice salary on a high school education. You can't do that anymore. We're about to change again with AI by the way, and now middle class people are gonna be asking that same question of what does the future hold for me?

So I don't need somebody else to drag me down. I need somebody to help lift me up. So relationships, you should be better together. So where America is in a relationship with other Americans, and together we rise up and contribute and to build this light on the heel, a place for democracy and freedom, an open door for everybody who's reasonable and who can come through and follow the rules and play by the rules and all that kind of stuff, and who can help us to drive once again freedom and economic prosperity for all, which means you have a shot to go from the bottom of that ladder to the top. And people don't believe they can go from the bottom to the top. That's why my poor white friends are riding at the ballot box right now. People can figure out what I mean by that. We left them alone in an industrial revolution, didn't give them a business plan for their life. They were making a nice salary on a high school education. You can't do that anymore. We're about to change again with AI by the way, and now middle class people are gonna be asking that same question of what does the future hold for me?

Because they're not gonna have jobs because it's going to be replaced by AI. And obviously there's less human beings, And basically that leads to what you were talking about. It there's lesson human beings out there making money than the consumers. Let then not spending as much money as they once were able to because they're not as employed, as financially as financially stable as they once were.

Because they're not gonna have jobs because it's going to be replaced by AI. And obviously there's less human beings, And basically that leads to what you were talking about. It there's lesson human beings out there making money than the consumers. Let then not spending as much money as they once were able to because they're not as employed, as financially as financially stable as they once were.

Am I correct to saying that?

Am I correct to saying that?

Yes?

Yes?

And you so now you say within If you don't have that, then what holds us together?

And you so now you say within If you don't have that, then what holds us together?

It used to be religion.

It used to be religion.

We took We took prey out of schools and all that kind of stuff, and that was America. The world's about culture. Your block has a culture, your house has a culture, This studio has a culture. Culture is not the most important thing in the business. It's the only thing in business. What's our culture? Used to be held together with religion that fell away. Now I think spirituality is falling away. So now it's not about we anymore.

We took We took prey out of schools and all that kind of stuff, and that was America. The world's about culture. Your block has a culture, your house has a culture, This studio has a culture. Culture is not the most important thing in the business. It's the only thing in business. What's our culture? Used to be held together with religion that fell away. Now I think spirituality is falling away. So now it's not about we anymore.

It's me.

It's me.

It's not about this. It's about this. It's about I'm gonna take it. Now We're moved away from relationships to transactions. That's a slippery slope. On the way down. You're playing a short game. In America is a long game vision. So in my opinion, where we're looking for love and all the wrong places, they're rearranging the deck chairs and the Titanic the chip is sinking and we're picking drapes. Let's look at diversity. Equity and inclusion that's been politicized.

It's not about this. It's about this. It's about I'm gonna take it. Now We're moved away from relationships to transactions. That's a slippery slope. On the way down. You're playing a short game. In America is a long game vision. So in my opinion, where we're looking for love and all the wrong places, they're rearranging the deck chairs and the Titanic the chip is sinking and we're picking drapes. Let's look at diversity. Equity and inclusion that's been politicized.

Is and now practically eradicated.

Is and now practically eradicated.

And it's dead as a as A, as a three initial symbol. It's in my opinion, it's too risky for anybody to touch.

And it's dead as a as A, as a three initial symbol. It's in my opinion, it's too risky for anybody to touch.

But here's the problem.

But here's the problem.

All D, E and I is, let's just say diversity, keep it simple. It's R and D for GDP. It's research and development for a future economy. Because in nineteen fifty America's ninety percent white, but today America's forty percent black and brown, and in ten years will be a majority of minorities. Even the racist needs a poor black person to succeed, if only because when they do. When the black person succeeds, the racist does better economically.

All D, E and I is, let's just say diversity, keep it simple. It's R and D for GDP. It's research and development for a future economy. Because in nineteen fifty America's ninety percent white, but today America's forty percent black and brown, and in ten years will be a majority of minorities. Even the racist needs a poor black person to succeed, if only because when they do. When the black person succeeds, the racist does better economically.

All boats ride. And I'm kidding, but I'm serious.

All boats ride. And I'm kidding, but I'm serious.

My rich friends need my poor friends do better, if only to stay rich.

My rich friends need my poor friends do better, if only to stay rich.

Because I told what I told.

Because I told what I told.

You before the economy is driven by consumers spending. Who's a new consumer is soon a majority of minorities who have not been trained of how to earn, learn, build the economy, and grow wealth. We're not dumb and we're not stupid. Is what we don't know that we don't know that's killing us, but we think we know. That's why I wrote the book Financial Literacy for All, Why I do the podcast Money and Wealth, Why I go around the country and this American Aspiration Tour, why I am going to I'm going to suggest.

You before the economy is driven by consumers spending. Who's a new consumer is soon a majority of minorities who have not been trained of how to earn, learn, build the economy, and grow wealth. We're not dumb and we're not stupid. Is what we don't know that we don't know that's killing us, but we think we know. That's why I wrote the book Financial Literacy for All, Why I do the podcast Money and Wealth, Why I go around the country and this American Aspiration Tour, why I am going to I'm going to suggest.

We replace D. E and I with inclusive.

We replace D. E and I with inclusive.

Economics, inclusive economic inclusive economics, which I think is non sort of controversial.

Economics, inclusive economic inclusive economics, which I think is non sort of controversial.

It's hard to get upset with it. By the way, relate to everybody.

It's hard to get upset with it. By the way, relate to everybody.

I would have said, I would say to you, what world are you living in? Respectfully? Because they'll fret.

I would have said, I would say to you, what world are you living in? Respectfully? Because they'll fret.

Over the world inclusive and I mean today's culture, I mean today's political climate.

Over the world inclusive and I mean today's culture, I mean today's political climate.

It's so ridiculous.

It's so ridiculous.

They'll find they'll pause a syllable to complain about. So the word inclusive alone will cause problems.

They'll find they'll pause a syllable to complain about. So the word inclusive alone will cause problems.

But the data will not. And here's why I love about this. I don't need for somebody to like me. It's Okay, if you don't like me, I like me. I don't need for you to love black people and brown people. I want you to be actually what you said, selfish, self centered, and short term oriented. Because the data is unimpeachable. America today, today, this generation, first time ever, will be a majority of those over sixty five for the first time in history. Read white baby boomers, wealthy, trying to retire. They want to go play golf or whatever they want to do, and God bless them, they made their money.

But the data will not. And here's why I love about this. I don't need for somebody to like me. It's Okay, if you don't like me, I like me. I don't need for you to love black people and brown people. I want you to be actually what you said, selfish, self centered, and short term oriented. Because the data is unimpeachable. America today, today, this generation, first time ever, will be a majority of those over sixty five for the first time in history. Read white baby boomers, wealthy, trying to retire. They want to go play golf or whatever they want to do, and God bless them, they made their money.

They're trying to exit.

They're trying to exit.

But the folks coming on the field to replace them, as I've said earlier, are not prepared to grow and lead the biggest economy on the planet.

But the folks coming on the field to replace them, as I've said earlier, are not prepared to grow and lead the biggest economy on the planet.

And what are we doing to help them out.

And what are we doing to help them out.

We're shutting off the on ramp to a corporate job, from the streets to the c suites. Were shutting off ability to get an internship, their ability to join as capitalists. We're shutting off all those valves under a short term vision that doesn't make any sense to me whatsoever anybody who looks at the data. The data is unimpeachable. And here's something else. Diversity is not a goodie two shoes issue. Diversity is absolute hardcore capitalism. The biggest economy in the traditional South where I came from, Atlanta, tenth Lar's economy in the whole country fourty and fifty billion dollars a year. And that's a two year old number. That's bigger than every state around it, Steven. In fact, you take three states around it, put him together, put him inside of the city of Atlanta, and you still have room. So in New York, where we are, it's a country that's a that's a city as far as an economy.

We're shutting off the on ramp to a corporate job, from the streets to the c suites. Were shutting off ability to get an internship, their ability to join as capitalists. We're shutting off all those valves under a short term vision that doesn't make any sense to me whatsoever anybody who looks at the data. The data is unimpeachable. And here's something else. Diversity is not a goodie two shoes issue. Diversity is absolute hardcore capitalism. The biggest economy in the traditional South where I came from, Atlanta, tenth Lar's economy in the whole country fourty and fifty billion dollars a year. And that's a two year old number. That's bigger than every state around it, Steven. In fact, you take three states around it, put him together, put him inside of the city of Atlanta, and you still have room. So in New York, where we are, it's a country that's a that's a city as far as an economy.

California that's so.

California that's so.

The New York, California West Coast, East Coast, and the South coast in Atlanta are the three so of the three bus biggest economies, and they're diverse and inclusives. These diverse companies in this country, the ones that are diverse, are forty percent more profitable than ones that are not. The places that say I'm gonna argue over silly stuff like I don't want these people involved, their economies are gonna die. You have less customers, less employees, less vibrancy. There's not a your welcome sign on the front door of your city. We have to be inclusive as a business strategy. We're the only country in the world with every race of people within our borders. Who do who do the people think built this country? What do they think Goldman's sacks is?

The New York, California West Coast, East Coast, and the South coast in Atlanta are the three so of the three bus biggest economies, and they're diverse and inclusives. These diverse companies in this country, the ones that are diverse, are forty percent more profitable than ones that are not. The places that say I'm gonna argue over silly stuff like I don't want these people involved, their economies are gonna die. You have less customers, less employees, less vibrancy. There's not a your welcome sign on the front door of your city. We have to be inclusive as a business strategy. We're the only country in the world with every race of people within our borders. Who do who do the people think built this country? What do they think Goldman's sacks is?

Hello?

Hello?

I mean, what do you think Sam Walton was right? A poor white farmer, you know, a businessman who built what's now called as Walmart, And you go, every big company was once a small one. And so this sort of bottom to the top strategy is America. We just have to embrace that once again. And I'll give you one last reason to Mike. Let's assume if somebody watching this rejects everything that I've said up until now, they're sitting there and their wife is Caucasian, blue hair, blue eyes, and.

I mean, what do you think Sam Walton was right? A poor white farmer, you know, a businessman who built what's now called as Walmart, And you go, every big company was once a small one. And so this sort of bottom to the top strategy is America. We just have to embrace that once again. And I'll give you one last reason to Mike. Let's assume if somebody watching this rejects everything that I've said up until now, they're sitting there and their wife is Caucasian, blue hair, blue eyes, and.

Blond hair, wealthy, well educated.

Blond hair, wealthy, well educated.

In nineteen seventy two, she couldn't get get a credit card in nineteen seventy two. She could not have a bank account. Nineteen seventy two, not eighteen seventy two.

In nineteen seventy two, she couldn't get get a credit card in nineteen seventy two. She could not have a bank account. Nineteen seventy two, not eighteen seventy two.

Nineteen seventy, nineteen seventy eight, years after civil rights legislation was passed.

Nineteen seventy, nineteen seventy eight, years after civil rights legislation was passed.

And she could not get a loan without our husband co signing it. And don't take my word for it, look it up for yourself. Now, she got those rights. Because Nixon, a Republican president, created affirmative action for black people. Nobody really wanted black people to benefit from it. So who benefited from it, By the way, kudos white women are white women, so they rode that train through the Empowerment for women cycle. And today women all women are twenty five percent of American.

And she could not get a loan without our husband co signing it. And don't take my word for it, look it up for yourself. Now, she got those rights. Because Nixon, a Republican president, created affirmative action for black people. Nobody really wanted black people to benefit from it. So who benefited from it, By the way, kudos white women are white women, so they rode that train through the Empowerment for women cycle. And today women all women are twenty five percent of American.

GDP just fifty two years later.

GDP just fifty two years later.

And if we had.

And if we had.

Said no to that, if we had said, that's too much progress, if we had said women need to know their place, whatever silly thing. And that means if we had said that, we'd be an also ran country today, we'd be a third tier economy. We would not be the superpower in the world. Women saved America fifty years ago, and we are at this inflection point.

Said no to that, if we had said, that's too much progress, if we had said women need to know their place, whatever silly thing. And that means if we had said that, we'd be an also ran country today, we'd be a third tier economy. We would not be the superpower in the world. Women saved America fifty years ago, and we are at this inflection point.

Again women overall or white women, no.

Again women overall or white women, no.

No, white women led the way accidentally because of what we just said. They were the ones who were allowed to benefit from a firm interve action. And then black women, Latino women, Asian women.

No, white women led the way accidentally because of what we just said. They were the ones who were allowed to benefit from a firm interve action. And then black women, Latino women, Asian women.

Were allowed to follow.

Were allowed to follow.

We're smart and followed through.

We're smart and followed through.

And now, of course black women are the Black women led small business creation coming out of the pandemic. In fact, the biggest group coming out of the pandemic. Starting businesses since two thousand and four were black businesses. We created four dure and fifty thousand black businesses at Opera Jope since then partnership with Shopify on one MBB. But the biggest group of months o's were black women. And now it's latinos that are biggest engine of business creation.

And now, of course black women are the Black women led small business creation coming out of the pandemic. In fact, the biggest group coming out of the pandemic. Starting businesses since two thousand and four were black businesses. We created four dure and fifty thousand black businesses at Opera Jope since then partnership with Shopify on one MBB. But the biggest group of months o's were black women. And now it's latinos that are biggest engine of business creation.

So it was all women. I'm giving credit again led by white women.

So it was all women. I'm giving credit again led by white women.

But my point there is, even if you want to criticize this, it's hard to do it because it's all of us. And here we are again the data and this is my business plan for America. People can go on to the just search while they're listening or watching this and type in business plan for America and look at the data. It's unimpeachable. And my most conservative friends, my most hardcore friends, read that and go, unless you're an idiot, you have to agree with it. I've debated Bill black men privately at the Milk and conference. I can't say what we discussed because of the rules. Okay, I can tell you that he didn't disagree with me. When it was over, there was no fight.

But my point there is, even if you want to criticize this, it's hard to do it because it's all of us. And here we are again the data and this is my business plan for America. People can go on to the just search while they're listening or watching this and type in business plan for America and look at the data. It's unimpeachable. And my most conservative friends, my most hardcore friends, read that and go, unless you're an idiot, you have to agree with it. I've debated Bill black men privately at the Milk and conference. I can't say what we discussed because of the rules. Okay, I can tell you that he didn't disagree with me. When it was over, there was no fight.

Wow, I had receipts, he didn't.

Wow, I had receipts, he didn't.

We're sitting here today, just hours after the Republican National Convention just took place in Milwaukee, Wisconsin. When you speak about all the things that you just articulated, and you hear both parties speaking about what their agenda is, what their objective is, having the concerns that you have about America, not even asking you to speak on our political affiliations or anything like that. I'm just talking finances, I'm just talking economics the country that we can have starting January of twenty twenty five.

We're sitting here today, just hours after the Republican National Convention just took place in Milwaukee, Wisconsin. When you speak about all the things that you just articulated, and you hear both parties speaking about what their agenda is, what their objective is, having the concerns that you have about America, not even asking you to speak on our political affiliations or anything like that. I'm just talking finances, I'm just talking economics the country that we can have starting January of twenty twenty five.

Can you speak to what your level.

Can you speak to what your level.

Of concern is as it pertains to that at this moment in time.

Of concern is as it pertains to that at this moment in time.

Oh, this is one in one hundred year important sitting in a moment in history right now. This is the third reconstruction. And whenever you've had a reconstruction that's been pushed back by the way first reconstruction, Freedom Abraham Lincoln January forty acres, Secretary of War, Stanton, General Sherman, Savannah, Georgia, twenty black Pinistris What do you want after slavery? No welfare, no apology, that'd be nice. We want, we want land. We're want to do for our selves. That's eighteen sixty five. Next month they worked that land so hard. It wasn't good land. It was on the coast, very hard to farm on sand wakeom in the morning of your crops in Jamaica. But we worked it so long hard it said, my god, there's so industrious. Give them a mule. Next month, comes to bank, the Freedman's Bank charge chartered to teach free slaves about money financial literacy. But Frederick Douglas ran the bank. But Lincoln was assassinated in April four months and then a reversal came because some people after Lincoln said too much, too soon. Black people are the majority that's gonna threaten my way of life. And I believe we went backwards. And so now you fast forward one hundred years and basically doctor King and my mentor and basilor Young who was on that balcony, and.

Oh, this is one in one hundred year important sitting in a moment in history right now. This is the third reconstruction. And whenever you've had a reconstruction that's been pushed back by the way first reconstruction, Freedom Abraham Lincoln January forty acres, Secretary of War, Stanton, General Sherman, Savannah, Georgia, twenty black Pinistris What do you want after slavery? No welfare, no apology, that'd be nice. We want, we want land. We're want to do for our selves. That's eighteen sixty five. Next month they worked that land so hard. It wasn't good land. It was on the coast, very hard to farm on sand wakeom in the morning of your crops in Jamaica. But we worked it so long hard it said, my god, there's so industrious. Give them a mule. Next month, comes to bank, the Freedman's Bank charge chartered to teach free slaves about money financial literacy. But Frederick Douglas ran the bank. But Lincoln was assassinated in April four months and then a reversal came because some people after Lincoln said too much, too soon. Black people are the majority that's gonna threaten my way of life. And I believe we went backwards. And so now you fast forward one hundred years and basically doctor King and my mentor and basilor Young who was on that balcony, and.

Youngmbassador Mayor, the guy who built by the way, Atlanta in the only international city in the South.

Youngmbassador Mayor, the guy who built by the way, Atlanta in the only international city in the South.

He's using doctor King's philosophy. Right, Doctor King basically gave his life to take down a white's only sign. And every civil rights bill was an enforcement action of laws on the books one hundred years before. Once again this pushback, What did I say after that, after doctor King, Johnson walks away. Here comes Nixon. In a response to Johnson and doctor King, conservative Nixon then creates a furtive action to prove I guess he's not racist, right, but also became an all credit to him, became a woman's rights president and environmental president. I'm gon give him litleredit, credits due. And then you know, came this experience I said, with women, which was the sort of allowable inclusion, but with blacks were it was like too much civil rights movement, too much, too soon. Here we are again. It happened faster. George Floyd's murder twenty happened really fast. Now Corporate America deserves incredible credit between fifty and two hundred billion dollars committed after George floyd murder, not from the government, from the private sector. Some thought that was too much, too soon, and with no data, no receipts. Roll back, pushback politics twenty twenty four. This is a we're having a This year is one huge colonic like it's one huge flushing of what we stand for as a country. It's going to be messy. But here's what I know. God still sits on the throne. Darkness defines light, not the other way. I mean lightned. This defines darkness, not the way around. Badness is failed goodness that hope and love are the self renewing, neewing energy, energy that's always led this world and this country cannot succeed economically divided. So I'm answering your question. A divider doesn't work.

He's using doctor King's philosophy. Right, Doctor King basically gave his life to take down a white's only sign. And every civil rights bill was an enforcement action of laws on the books one hundred years before. Once again this pushback, What did I say after that, after doctor King, Johnson walks away. Here comes Nixon. In a response to Johnson and doctor King, conservative Nixon then creates a furtive action to prove I guess he's not racist, right, but also became an all credit to him, became a woman's rights president and environmental president. I'm gon give him litleredit, credits due. And then you know, came this experience I said, with women, which was the sort of allowable inclusion, but with blacks were it was like too much civil rights movement, too much, too soon. Here we are again. It happened faster. George Floyd's murder twenty happened really fast. Now Corporate America deserves incredible credit between fifty and two hundred billion dollars committed after George floyd murder, not from the government, from the private sector. Some thought that was too much, too soon, and with no data, no receipts. Roll back, pushback politics twenty twenty four. This is a we're having a This year is one huge colonic like it's one huge flushing of what we stand for as a country. It's going to be messy. But here's what I know. God still sits on the throne. Darkness defines light, not the other way. I mean lightned. This defines darkness, not the way around. Badness is failed goodness that hope and love are the self renewing, neewing energy, energy that's always led this world and this country cannot succeed economically divided. So I'm answering your question. A divider doesn't work.

One would argue both sides of dividers at this particular moment, because both sides are saying, hey, the other side ain't for you.

One would argue both sides of dividers at this particular moment, because both sides are saying, hey, the other side ain't for you.

No matter what.

No matter what.

Last election, you had a guy in Donald Trump that got seventy four plus million votes. He lost the election, regardless of what he wants to admit, but you had eighty one million plus people vote for President Biden, now President Biden. Then at that particular moment in time, Candidate Biden, they voted, some would say, lots would say not for him, but against that incumbent at the time, which was Donald Trump. And so when you look at it from that standpoint, the bottom line is, no matter what way you slice it, the one thing that we can be assured of is being divided. I don't see any evidence whatsoever that there's going to be togetherness.

Last election, you had a guy in Donald Trump that got seventy four plus million votes. He lost the election, regardless of what he wants to admit, but you had eighty one million plus people vote for President Biden, now President Biden. Then at that particular moment in time, Candidate Biden, they voted, some would say, lots would say not for him, but against that incumbent at the time, which was Donald Trump. And so when you look at it from that standpoint, the bottom line is, no matter what way you slice it, the one thing that we can be assured of is being divided. I don't see any evidence whatsoever that there's going to be togetherness.

At any point in terms of both sides of the hour coming.

At any point in terms of both sides of the hour coming.

Together, knowing what it takes to compromise, and doing what they can to make sure that America is a better, more thriving place.

Together, knowing what it takes to compromise, and doing what they can to make sure that America is a better, more thriving place.

We're having a different conversation. Okay, you're talking about humans. Uh, and I respect that. In other words, you can't grow without constructive friction. That's biblical. Rainbows only follow storms. It's a scientific fact. You cannot have a rainbow without a storm first. There's always been drama in friction. The civil rights leaders didn't get along, the framers of the Constitution didn't get along. One of them shot the Secretary of the Treasury. For God's sake, this has not been you know, we are the world and we are the future for you know, for the history of the country. It's been rambunctious. But you need somebody at the front, at the top, who says, in spite of all of our differences, we're one family.

We're having a different conversation. Okay, you're talking about humans. Uh, and I respect that. In other words, you can't grow without constructive friction. That's biblical. Rainbows only follow storms. It's a scientific fact. You cannot have a rainbow without a storm first. There's always been drama in friction. The civil rights leaders didn't get along, the framers of the Constitution didn't get along. One of them shot the Secretary of the Treasury. For God's sake, this has not been you know, we are the world and we are the future for you know, for the history of the country. It's been rambunctious. But you need somebody at the front, at the top, who says, in spite of all of our differences, we're one family.

That's what you need.

That's what you need.

You need a father figure or a mother figure, you need, you need somebody who says this is spiritual, this is this is this is not about me, this is about we. And in my opinion, in that regard, there's only one person running for office. There is an individ who's absolutely, undeniably made it clear this is only about him, and he will do whatever it takes, under any circumstances to protect himself at all costs. I've served Republican and Democratic presidents back Obama and Clinton and President Clinton. I've been honored by five years presidents Republican and Democrat, including both Bushes. I've known nine US presidents. This is not a new rodeo for me, right, I've never seen this before. The thing that we're looking at right now is bad for business, it's bad for our country.

You need a father figure or a mother figure, you need, you need somebody who says this is spiritual, this is this is this is not about me, this is about we. And in my opinion, in that regard, there's only one person running for office. There is an individ who's absolutely, undeniably made it clear this is only about him, and he will do whatever it takes, under any circumstances to protect himself at all costs. I've served Republican and Democratic presidents back Obama and Clinton and President Clinton. I've been honored by five years presidents Republican and Democrat, including both Bushes. I've known nine US presidents. This is not a new rodeo for me, right, I've never seen this before. The thing that we're looking at right now is bad for business, it's bad for our country.

It's toxic.

It's toxic.

It's a horrible role model for our children, where we have adults acting like kids on national TV every day selling hate and division. And it's just not something that works long term. Even the devil Lucifer, for all his power, he's a pump. He's a fallen angel. God gives him permission to exist. This stuff will have a moment, but it will crest and it will be gone. The only model that works is the light on the heel. It happens to be morals and money at the same time. So I will take somebody on a respirator to hate, inter fear, the America is eighty eight percent of our jobs.

It's a horrible role model for our children, where we have adults acting like kids on national TV every day selling hate and division. And it's just not something that works long term. Even the devil Lucifer, for all his power, he's a pump. He's a fallen angel. God gives him permission to exist. This stuff will have a moment, but it will crest and it will be gone. The only model that works is the light on the heel. It happens to be morals and money at the same time. So I will take somebody on a respirator to hate, inter fear, the America is eighty eight percent of our jobs.

Stephen a private sector jobs. It's not the government.

Stephen a private sector jobs. It's not the government.

Wall Street clocks, Washington d C on economic power any day of the week. So we overestimate the economic drivers. I mean, it's very important. Seventy billion dollars a year spending in federal government. It's a big deal. It has to be done smartly. But we need a vibrant private sector.

Wall Street clocks, Washington d C on economic power any day of the week. So we overestimate the economic drivers. I mean, it's very important. Seventy billion dollars a year spending in federal government. It's a big deal. It has to be done smartly. But we need a vibrant private sector.

And my deal.

And my deal.

Politician has a Republican head in the Democratic heart. Now I don't see that model right now from anybody.

Politician has a Republican head in the Democratic heart. Now I don't see that model right now from anybody.

Have you ever seen it? Yeah?

Have you ever seen it? Yeah?

Bill Clinton as an example.

Bill Clinton as an example.

Buckhead a democratic call.

Buckhead a democratic call.

Yeah, he was a conservative Democrat was he was this country is center slightly right, Yes, center slightly right.

Yeah, he was a conservative Democrat was he was this country is center slightly right, Yes, center slightly right.

As you know, to right.

As you know, to right.

All they want to do is give new Gingridge. They're all the credit in the world.

All they want to do is give new Gingridge. They're all the credit in the world.

It was Ader, it it was it was Clinton.

It was Ader, it it was it was Clinton.

You know, he tried to redeem himself later Gingridge and he got together with you know, I figured who the Democrat was in sun Kumbaya. But he was a divider. His contract that was divisions, by the way, that was subtle. Based on what we're seeing now with this twenty twenty five plan, all this other.

You know, he tried to redeem himself later Gingridge and he got together with you know, I figured who the Democrat was in sun Kumbaya. But he was a divider. His contract that was divisions, by the way, that was subtle. Based on what we're seeing now with this twenty twenty five plan, all this other.

Stuff I mean some of this. I mean, look, unless we understand what.

Stuff I mean some of this. I mean, look, unless we understand what.

I said earlier, Plus the fact that the city of l a has ten thousand police officers in a city of six or seven million people. So a person with a side gun and one pair of cuff links trying to saying that that ten thousand is going to protect the city. No, that's not a protection. That's a security guard. Which you need is hope is your protection If people wake up in the morning, believe if I work hard, play by the rules, do the right thing, keep my nose clean, follow the law, and hustle and respect my elders, you know, pay off in a reasonable shot of success or failure on my own merit. The latter, I can go from the bottom of the top. See when people say in our community, I hate rich people, you don't know they don't they hate rich people. To you become rich what you hate, this is what we're really saying.

I said earlier, Plus the fact that the city of l a has ten thousand police officers in a city of six or seven million people. So a person with a side gun and one pair of cuff links trying to saying that that ten thousand is going to protect the city. No, that's not a protection. That's a security guard. Which you need is hope is your protection If people wake up in the morning, believe if I work hard, play by the rules, do the right thing, keep my nose clean, follow the law, and hustle and respect my elders, you know, pay off in a reasonable shot of success or failure on my own merit. The latter, I can go from the bottom of the top. See when people say in our community, I hate rich people, you don't know they don't they hate rich people. To you become rich what you hate, this is what we're really saying.

The understand fair opportunities. You hate the system, the game system.

The understand fair opportunities. You hate the system, the game system.

Yes, you believe the system's rigged, and no matter how hard you work, your non never succeeds.

Yes, you believe the system's rigged, and no matter how hard you work, your non never succeeds.

Is it the system break?

Is it the system break?

No?

No?

I think they are taught the system or going back to financial literacy for all You're going back to this conversation of why I believe this is the civil rights issue of our generation. And I'm not talking academically, as you well know you do your homework.

I think they are taught the system or going back to financial literacy for all You're going back to this conversation of why I believe this is the civil rights issue of our generation. And I'm not talking academically, as you well know you do your homework.

I grew up in the hood.

I grew up in the hood.

I grew up in South Central My mom and dad, you know, so called broken home. They were wonderful parents, JONNYA. Smith, Johnny Wilsmith, but they had a high school education. They broke up over money. Domestic abuse was tied to money. We own a bunch of stuff, we lost it because my dad was financially illiterate. Could make it, but couldn't keep it. Made a dollar spend a dollar fifty? Wouldn't that's my mother for help? Grow up from you know? Then I had the two people who tried to save my life. One person murdered in front of me, my best friend murdered in front of me all over money.

I grew up in South Central My mom and dad, you know, so called broken home. They were wonderful parents, JONNYA. Smith, Johnny Wilsmith, but they had a high school education. They broke up over money. Domestic abuse was tied to money. We own a bunch of stuff, we lost it because my dad was financially illiterate. Could make it, but couldn't keep it. Made a dollar spend a dollar fifty? Wouldn't that's my mother for help? Grow up from you know? Then I had the two people who tried to save my life. One person murdered in front of me, my best friend murdered in front of me all over money.

And a banker came to my.

And a banker came to my.

Classroom who happened to be Caucasian and taught me financial literacy. When I was nine years old. I said to him, sir, what do you do for a living and how'd you get rich legally? And I was dead serious. He said, I'm a banker and our financial entrepreneurs. I said, sir, I don't know what an entrepreneur is, but it is legal and you're financing it. I'm going to be one and that's who I am today.

Classroom who happened to be Caucasian and taught me financial literacy. When I was nine years old. I said to him, sir, what do you do for a living and how'd you get rich legally? And I was dead serious. He said, I'm a banker and our financial entrepreneurs. I said, sir, I don't know what an entrepreneur is, but it is legal and you're financing it. I'm going to be one and that's who I am today.

For those watching you right now, define four.

For those watching you right now, define four.

Point seven billion dollars of financial activity. By the way, that's my portfolio. That two point seven.

Point seven billion dollars of financial activity. By the way, that's my portfolio. That two point seven.

That's right, operational and along other things. Define financial literacy for those out just watch you. Financial literacy.

That's right, operational and along other things. Define financial literacy for those out just watch you. Financial literacy.

Those are two words.

Those are two words.

We understand what literacy means. We understand what financial means. Financial literacy, your definition of it.

We understand what literacy means. We understand what financial means. Financial literacy, your definition of it.

Knowing that you make money during the day, you build wealth in your sleep, that if your outflow exceeds your inflow, then your overhead is going to be your downfall. That is what you don't know. That you don't know that's killing you, but you think you know. Financial literacy is having control over your self determination because you understand how this system works. And let me say this in the clearest English, I can we live in a free enterprise democracy. I didn't say democracy.

Knowing that you make money during the day, you build wealth in your sleep, that if your outflow exceeds your inflow, then your overhead is going to be your downfall. That is what you don't know. That you don't know that's killing you, but you think you know. Financial literacy is having control over your self determination because you understand how this system works. And let me say this in the clearest English, I can we live in a free enterprise democracy. I didn't say democracy.

First.

First.

We live in a free enterprise democracy from the time you wake up in the morning to the time you go to bed at night. And in reality, is twenty four hours. Because the government didn't buy your sheets. You're engaging in a financial transaction. The comb that you goes to your hair, it's capitalism. Somebody designed it and they so that you were willing to pay for it in order to get your hair in a way you want it. The radio that somebody's listening to, the phone, that's not government g you watch, that's not government issue. People say I hate capitalism, You are a capitalist. You're a human capital trading your talents for a paycheck on the lowest level of risk, and for a business owner and an entrepreneur like me, and I think you as well, at the highest level of risk. You just got to decide where you want to play. But we don't know that we're even playing the games or the game is playing us. Neighborhoods where grow up in Hollis Queens, New York, South Central LA and Compton, here's what you see. A check casher next to a payday loan lender, next to a rental owned store, next to a title lender, next to a liquor store, next to a pawn shop, and a church down the street trying to make you feel a little bit better.

We live in a free enterprise democracy from the time you wake up in the morning to the time you go to bed at night. And in reality, is twenty four hours. Because the government didn't buy your sheets. You're engaging in a financial transaction. The comb that you goes to your hair, it's capitalism. Somebody designed it and they so that you were willing to pay for it in order to get your hair in a way you want it. The radio that somebody's listening to, the phone, that's not government g you watch, that's not government issue. People say I hate capitalism, You are a capitalist. You're a human capital trading your talents for a paycheck on the lowest level of risk, and for a business owner and an entrepreneur like me, and I think you as well, at the highest level of risk. You just got to decide where you want to play. But we don't know that we're even playing the games or the game is playing us. Neighborhoods where grow up in Hollis Queens, New York, South Central LA and Compton, here's what you see. A check casher next to a payday loan lender, next to a rental owned store, next to a title lender, next to a liquor store, next to a pawn shop, and a church down the street trying to make you feel a little bit better.

Once a week.

Once a week.

That's your neighborhood therapist, because we don't admit we crazy. If you black in America, don't think you're crazy, you probably crazy. So that system is a five one hundred, low six hundred credit score neighborhood. And you lived at sixty one years old, by the way, and they're targeting that community.

That's your neighborhood therapist, because we don't admit we crazy. If you black in America, don't think you're crazy, you probably crazy. So that system is a five one hundred, low six hundred credit score neighborhood. And you lived at sixty one years old, by the way, and they're targeting that community.

But didn't you say that somebody would have had a score of above seven hundred, like their life expectancies like eighty eight.

But didn't you say that somebody would have had a score of above seven hundred, like their life expectancies like eighty eight.

I got that right, twenty one years longer.

I got that right, twenty one years longer.

And we've mapped every zip code in America by credit score with data from experience.

And we've mapped every zip code in America by credit score with data from experience.

And what's the reason for the twenty the twenty one year discrepancy? I understand the credit score is what you're alluding to, but that higher credit score breeds what confidence and that's why you live in addition to twenty one years because of confidence self esteem.

And what's the reason for the twenty the twenty one year discrepancy? I understand the credit score is what you're alluding to, but that higher credit score breeds what confidence and that's why you live in addition to twenty one years because of confidence self esteem.

Because we're not human beings having a spiritual experience. We're spiritual beings having a human experience, and energy matters. There's a cup here is a cup half full or half empty, depends who's looking at the cup.

Because we're not human beings having a spiritual experience. We're spiritual beings having a human experience, and energy matters. There's a cup here is a cup half full or half empty, depends who's looking at the cup.

Whether you believe you can or whether you believe you can't.

Whether you believe you can or whether you believe you can't.

You're absolutely right I've walked in here and you had your hands in your pants.

You're absolutely right I've walked in here and you had your hands in your pants.

You were looking at me straight in my eyes.

You were looking at me straight in my eyes.

You were chilled and really life because you're an owner, because you're independent, because you've charged your own course, you have your own brand. But most importantly, you know who you are. Somebody in your life told you they loved you. I don't even need to know your.

You were chilled and really life because you're an owner, because you're independent, because you've charged your own course, you have your own brand. But most importantly, you know who you are. Somebody in your life told you they loved you. I don't even need to know your.

Story to know your story, greatest mom in the world.

Story to know your story, greatest mom in the world.

There you go.

There you go.

See it ain't complicated. So yes, confidence and competence comes from achieving and mastery. And if you understand how this system works, and you can get access to credit cheap cheap money right under good terms, which allows you to become a homeowner versus renting, allows you to become a small business owner. It allows you to pursue your dreams, protect your family.

See it ain't complicated. So yes, confidence and competence comes from achieving and mastery. And if you understand how this system works, and you can get access to credit cheap cheap money right under good terms, which allows you to become a homeowner versus renting, allows you to become a small business owner. It allows you to pursue your dreams, protect your family.

You're chill even today in the year twenty and twenty four, twenty.

You're chill even today in the year twenty and twenty four, twenty.

And twenty five approaching. You're a proponent of home ash.

And twenty five approaching. You're a proponent of home ash.

Come on, man, all these people on TV talking about you shouldn't own a home. Poor people shouldn't own These fools own a home.

Come on, man, all these people on TV talking about you shouldn't own a home. Poor people shouldn't own These fools own a home.

And I know these people.

And I know these people.

They're that work from a contributor on CNBC and I said, you should be ashamed of yourself. You just told somebody to not do what you've done. They're on one, two, three, four homes. Every millionaire has real estate in their portfolio. Let me tell you there's three things are not gone down in American history Stephen GDP, gross domestic product in this country, stock market value. And now you're about to stop me because wait, the great depressions on the ball and in real estate value. Now you should stop me again and say, well, hold on, John, you're selling woof tickets because you have the two thousand and eight crisis. Okay, hold on, it goes up. There's a recession, which means it receives right and Rick, see that's why you're so smart, corrects above the line. So buy it, hold it, don't sell. Real estate has always on balance gone up.

They're that work from a contributor on CNBC and I said, you should be ashamed of yourself. You just told somebody to not do what you've done. They're on one, two, three, four homes. Every millionaire has real estate in their portfolio. Let me tell you there's three things are not gone down in American history Stephen GDP, gross domestic product in this country, stock market value. And now you're about to stop me because wait, the great depressions on the ball and in real estate value. Now you should stop me again and say, well, hold on, John, you're selling woof tickets because you have the two thousand and eight crisis. Okay, hold on, it goes up. There's a recession, which means it receives right and Rick, see that's why you're so smart, corrects above the line. So buy it, hold it, don't sell. Real estate has always on balance gone up.

But you know, when it comes to us, I'm talking black people now, you know, when it comes to us, for the most part.

But you know, when it comes to us, I'm talking black people now, you know, when it comes to us, for the most part.

Right or wrong.

Right or wrong.

Some people say economics and then they talk about inflations. A lot of black folks we ain't thinking along those lines. We think about the money in our pocket, how much it courts for us to get gas, how much it course it.

Some people say economics and then they talk about inflations. A lot of black folks we ain't thinking along those lines. We think about the money in our pocket, how much it courts for us to get gas, how much it course it.

Us by groceries, et cetera. That's our definition of what the payment is, not what the interest is, what the payment is. So that's how we approach it.

Us by groceries, et cetera. That's our definition of what the payment is, not what the interest is, what the payment is. So that's how we approach it.

And I guess what I'm asking is taking into consideration what you just explain.

And I guess what I'm asking is taking into consideration what you just explain.

Folks ain't gonna look at it that way.

Folks ain't gonna look at it that way.

If they're not looking at the way you're a homeowner, you're thinking about it. Your damn I got this roof over of my head, refrigerator, electricities on, and stuff like that, but damn, that electric build was high last month.

If they're not looking at the way you're a homeowner, you're thinking about it. Your damn I got this roof over of my head, refrigerator, electricities on, and stuff like that, but damn, that electric build was high last month.

And yes, I mean the.

And yes, I mean the.

Price the fill is, refrigerator is hot. Oh, by the way, my landscaping because my property value. I don't want to just not take care of my property. I gotta take care of it. But that costs money too, and the money it takes for upkeep ultimately bleed your pockets. And that's why people might sit there and question whether or not you should own a home.

Price the fill is, refrigerator is hot. Oh, by the way, my landscaping because my property value. I don't want to just not take care of my property. I gotta take care of it. But that costs money too, and the money it takes for upkeep ultimately bleed your pockets. And that's why people might sit there and question whether or not you should own a home.

I'm not one of those people own a home, but.

I'm not one of those people own a home, but.

I do understand where they're coming from when they complain about that kind of.

I do understand where they're coming from when they complain about that kind of.

So you you just open two doors. Let me do the easiest one first. Okay, this is again the power of financial literacy. You come to Operation Hope, and you got too much month at the India of Money. We're gonna help you raise your credit score fifty four points two one hundred points in six months. We're gonna get your debt down thirty eight hundred dollars. You're making forty eight thousand dollars in this example, we're gonna get your savings up two thousand dollars. And then you say, well, I don't have the down payment.

So you you just open two doors. Let me do the easiest one first. Okay, this is again the power of financial literacy. You come to Operation Hope, and you got too much month at the India of Money. We're gonna help you raise your credit score fifty four points two one hundred points in six months. We're gonna get your debt down thirty eight hundred dollars. You're making forty eight thousand dollars in this example, we're gonna get your savings up two thousand dollars. And then you say, well, I don't have the down payment.

No problem.

No problem.

Bank A well as far Igo, Bank of America, set are there are all our partners u As Bank, true As Bank, so on and so forth. Bank A has a program for you. It's called a down payment assistance program. If you qualify is only what time we're being black. Is a good thing in the financial markets. You qualify and will be qualified. They're gonna give you a ten thousand dollars grant to help you become a homeowner. Use it for debt, fruit closing costs, down payment, or a nest egg in case the plumbing goes out or the line needs to be done.