Good Investments vs Bad Investments ft Duan & Q - Episode 80

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Yo Q what up?

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Man I'm keeping it real what up the what?

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Welcome

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to not

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just music

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where we keep it real

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and honest

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and honest always

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Everybody everyone's not

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just music podcast

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yo boy Dwarne Burrito, Quincy Murdoch in the building

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yeah

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how's everything this Thursday

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man it's tax season

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people got them taxes back

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what's up what's happening right

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black people, white people

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everybody

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everybody in the world

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of not just music podcast or in the

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world period how y'all spending that

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tax money hopefully

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y'all are doing well

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hopefully and if you do have tax money

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hopefully you're well with your tax money and if you don't

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have any tax money a lot of people

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don't have tax money but again

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a lot of them are grinding out pretty much the whole

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year business owners

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y'all see taxes told taxis

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totally different y'all don't look at

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taxis the same way

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but again it's not

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a thing saying that

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it's not an enjoyment time

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to get money and

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have the ability to go spend it

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especially those that are

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getting money hopefully you spend it wisely

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if you can again

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if you can't spend it wisely you can't

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you can't spend it wisely I understand

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cause a lot of us wait till this time of the year to spend

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the money or to get the money

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and to spend the money just to

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spend it in like a 24 hour process

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some of y'all do it

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I've seen it

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I've literally seen a whole

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tax check go in less than

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an hour

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and that's sad

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less than an hour

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I don't want to say it's sad

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cause I don't want to say it's sad

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it depends on what you

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but I'm saying

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it hurt my heart though

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I don't want to talk about it cause taxis make sense of them

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oh well I be like

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that's like talking about the community

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you can do what you want to with your money

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I'm not saying what to do but again

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like boy y'all

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spend that thing

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didn't even get to see it

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didn't even get to smell it

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just gone

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ain't pay no old debt

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no credit card

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and if that's no business

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and this is what I noticed too

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one of the biggest things that I see people doing

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during taxis is cars

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a car is a very very very

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very very important thing for a lot of people

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but

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if you're going to go buy a car

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look y'all

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go get you something that is decent

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don't just go pick

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a car

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that's on any lot you see

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that fits your perimeter of your check

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this sound like some blackish talk

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take your time

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take your time

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make sure you grabbing the car

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that's going to do good for your situation

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don't just be like

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two seat

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with rims on it

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candy paint

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don't go get a BMW with 350,000 miles on it

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don't go do it

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don't go get a Mercedes

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with 350,000 miles on it either

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be honest with you

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don't go get too many cars with 350,000 miles on it

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unless you know it's in tip top shape

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and whoever had it before you

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they was driving it every single day

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and it made sense and there ain't nothing going on with them

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that's a good buy

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but if it's just a 350,000 car that's been sitting on a lot

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and you don't know how long it's been sitting on a lot

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don't go buy that car

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that's a bad investment

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make sure you invest

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and people don't think that

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you can invest your tax money

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and especially yes first

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again like he said bills

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if you're going to do it take care of your bills

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zero out all your bills

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you know you ain't going to pay them the rest of the year

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zero out your bills

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zero out them

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and then the rest is up to you

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then go from there

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your money is your money again

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but I'm not going to sit here and hold you to it

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which brings up a good thing

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which brings up a good thing

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and I'm going to ask this too

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poor investments

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this is one of the biggest things

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I think

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I think

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I've made poor investments

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everybody is going to make poor investments

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when you make

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your poor investment

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make sure the poor investment

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doesn't put you in a position where

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you cannot come back at all

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because I've seen some people get

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these poor investments and they cannot bounce back

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bouncing back is hard to do

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once that poor investment

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you start going down a hole with

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that poor investment

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and you're going down one time and it didn't feel

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it was three digits

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I believe it

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it was in three digits

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I done got scammed some big money

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and I was working at McDonald's

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and said learn a lesson

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lesson learned

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but the thing of it is I had invested

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enough to where I didn't have

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zero to my name

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but still it was a loss

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you want to get into

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losses where it ain't a loss loss

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but you know what I'm saying

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you can shake back from it

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but it ain't good

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but now I'm very picky on

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what I do now

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losing a dollar is a loss to me

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that's a big loss

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that's a big loss

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especially if you don't know

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how to spend a dollar

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it ain't going to go too far for you

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it ain't going to go far at all

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I think that's one of the things too

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like I said

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poor investment

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one thing I say this, this is one thing I always tell people

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if you have the ability

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to not stay in an apartment

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don't stay in an apartment

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well I've actually been scammed more than once

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yeah

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if you can, if you have the ability

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to where you

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don't have to stay in an apartment

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don't

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if you have to, you have to

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nothing wrong with staying in an apartment

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I want people to start putting

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money into something that's

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worthy of them meaning that you're paying

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on something that's going to be yours versus just

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paying on something that will never be yours

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you ain't going to

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never be able to pay that apartment off

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it's impossible to pay that apartment off

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you'll never be able to do it, I promise you

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but you can

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put yourself in a mortgage

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to where you can be able to pay it off

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like one of my close friends

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I don't like to say people's names

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but if you pay attention

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Frank Grigley, brother

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appreciate you for always being

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straight forward with me

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and letting me see what things

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should be, how things

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should go

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especially when you're investing money into something

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but one thing he did, I have to say this

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this was like genius bro

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when he first

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moved out on his own right

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he went and bought a house straight out the gate

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he didn't go get an apartment

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I've never seen somebody do that

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so he moved from Charlotte

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to Conkler, he was staying up in Conkler

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he got a wife and he had a son

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but what he did was

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he bought a house, one bedroom house

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one bedroom, one bathroom

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kitchen, blah blah blah

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I think it was like

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he got it for like

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$20,000, $23,000

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something like that

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he bought it straight out, cash

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now

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I ain't say people got $23,000

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sitting around

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but if you got $1,000

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sitting around you can do a lot

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with that $1,000 and get yourself

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into a house, if you have the right

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credentials, meaning if you have decent credit

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well if you have somebody that can sign

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or sign with you

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in most cases y'all do need

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co-signs with your apartments too so why not

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go ahead and jump on into the situation with you

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banks, banks, banks, banks people, banks will

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give you loans and credit cards

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and you got good history

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one thing you have to realize

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that as I said, bad investment

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I say apartments are bad investments

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because like I said what he did was

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he got this house

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and little did

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anybody know, he was about to

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he was just setting himself up for this even bigger

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move, you know him and

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his wife and his son

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they moved from this one bedroom house to a brand new

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house in Concord

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not far from that one

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I think it was like a 3, 4 bedroom house

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2 story brand new built from the ground up

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but you start somewhere

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and this is things that

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I feel a lot of us we tend to

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we feel we get started

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and then we

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reach that plateau with that apartment

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and we never move

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we never move

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so if it's a thing of

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you're in an apartment don't stick

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there too long because I mean like

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the apartments that we stayed in

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before we moved out into our house

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the price was going up

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every year

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every single year

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and why if the price is

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going to go up why not put that

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price into a mortgage

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something that you can have

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versus something that you'll never

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be able to put your hands

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on, I know I said a lot

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but I'm unfolding it because

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the case of

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I've seen both sides of it

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I've seen

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more people lose though

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dealing with apartments

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versus dealing with an actual

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mortgage

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so tell me bro

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like what do you

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00:09:54,000 --> 00:09:56,000
in the

290
00:09:56,000 --> 00:09:58,000
next 10 years right

291
00:09:58,000 --> 00:10:00,000
where do you see

292
00:10:00,000 --> 00:10:02,000
yourself

293
00:10:02,000 --> 00:10:04,000
and I'm going to tell you where I see myself

294
00:10:04,000 --> 00:10:06,000
I'm already tied up into

295
00:10:06,000 --> 00:10:08,000
a situation of mortgage right

296
00:10:08,000 --> 00:10:10,000
the only thing I see

297
00:10:10,000 --> 00:10:12,000
myself doing is I may upgrade

298
00:10:12,000 --> 00:10:14,000
upgrade soon

299
00:10:14,000 --> 00:10:16,000
right

300
00:10:16,000 --> 00:10:18,000
the biggest thing though

301
00:10:18,000 --> 00:10:20,000
is

302
00:10:20,000 --> 00:10:22,000
kids

303
00:10:22,000 --> 00:10:24,000
you got to think about that

304
00:10:24,000 --> 00:10:26,000
wife, got to think about that

305
00:10:26,000 --> 00:10:28,000
or husband

306
00:10:28,000 --> 00:10:30,000
excuse me, depending on who you are

307
00:10:30,000 --> 00:10:32,000
because let me say

308
00:10:32,000 --> 00:10:34,000
this

309
00:10:34,000 --> 00:10:36,000
teamwork makes the dream work

310
00:10:36,000 --> 00:10:38,000
nothing wrong with teamwork

311
00:10:38,000 --> 00:10:40,000
making the dream work

312
00:10:40,000 --> 00:10:42,000
if you buy yourself though

313
00:10:42,000 --> 00:10:44,000
not a problem

314
00:10:44,000 --> 00:10:46,000
you can do this all on your own too

315
00:10:46,000 --> 00:10:48,000
the biggest thing for me though is still

316
00:10:48,000 --> 00:10:50,000
having a mentality of a dream

317
00:10:50,000 --> 00:10:52,000
a focus of where you're trying to go

318
00:10:52,000 --> 00:10:54,000
a lot of y'all ain't thinking about where you're trying to go

319
00:10:54,000 --> 00:10:56,000
and I think that's why a lot of y'all

320
00:10:56,000 --> 00:10:58,000
end up stuck

321
00:10:58,000 --> 00:11:00,000
in a position where y'all are at, especially when it comes to

322
00:11:00,000 --> 00:11:02,000
that bad investment

323
00:11:02,000 --> 00:11:04,000
and that bad investment ain't going to do you any good

324
00:11:04,000 --> 00:11:06,000
like I say, if you're going to keep paying on this bad investment

325
00:11:06,000 --> 00:11:08,000
guess what, it's just going to continue to be a bad investment

326
00:11:08,000 --> 00:11:10,000
so why, how do you turn this into a good investment

327
00:11:10,000 --> 00:11:12,000
come up with a plan, think about the future

328
00:11:12,000 --> 00:11:14,000
where you want to go

329
00:11:14,000 --> 00:11:16,000
if you don't ever put that

330
00:11:16,000 --> 00:11:18,000
thousand dollars aside, if you don't ever put that five thousand dollars aside

331
00:11:18,000 --> 00:11:20,000
you don't ever put that ten thousand dollars aside

332
00:11:20,000 --> 00:11:22,000
twenty thousand dollars aside

333
00:11:22,000 --> 00:11:24,000
to go put that down payment

334
00:11:24,000 --> 00:11:26,000
on that house

335
00:11:26,000 --> 00:11:28,000
or that land, you ain't going to ever do it

336
00:11:28,000 --> 00:11:30,000
but see, another thing

337
00:11:30,000 --> 00:11:32,000
I want to throw in, a lot of people like you

338
00:11:32,000 --> 00:11:34,000
need to get

339
00:11:34,000 --> 00:11:36,000
at game, like you have parents

340
00:11:36,000 --> 00:11:38,000
that tell their kids to go rent

341
00:11:38,000 --> 00:11:40,000
and that might be their first

342
00:11:40,000 --> 00:11:42,000
point, you know, wet behind the ears

343
00:11:42,000 --> 00:11:44,000
ain't never been out on their own

344
00:11:44,000 --> 00:11:46,000
nothing, so the first advice

345
00:11:46,000 --> 00:11:48,000
you get

346
00:11:48,000 --> 00:11:50,000
mainly, majority

347
00:11:50,000 --> 00:11:52,000
white parents too, but from the black

348
00:11:52,000 --> 00:11:54,000
community is, we're so

349
00:11:54,000 --> 00:11:56,000
anxious to go and get our own

350
00:11:56,000 --> 00:11:58,000
you're so anxious to put your kid out

351
00:11:58,000 --> 00:12:00,000
and just have them get their own

352
00:12:00,000 --> 00:12:02,000
that you just tell them to rent

353
00:12:02,000 --> 00:12:04,000
just settle, basically that's what

354
00:12:04,000 --> 00:12:06,000
you're saying, just settle

355
00:12:06,000 --> 00:12:08,000
house is probably out, it's impossible

356
00:12:08,000 --> 00:12:10,000
right now, don't think about a house

357
00:12:10,000 --> 00:12:12,000
think about renting

358
00:12:12,000 --> 00:12:14,000
so and then you went back and said like

359
00:12:14,000 --> 00:12:16,000
dude, your friend went

360
00:12:16,000 --> 00:12:18,000
straight off the market and got a house

361
00:12:18,000 --> 00:12:20,000
instead of renting

362
00:12:20,000 --> 00:12:22,000
so, think about it

363
00:12:22,000 --> 00:12:24,000
like you say, that money that you had

364
00:12:24,000 --> 00:12:26,000
before you started renting, all that money

365
00:12:26,000 --> 00:12:28,000
you've been putting into that rent

366
00:12:28,000 --> 00:12:30,000
you could have had, you probably had

367
00:12:30,000 --> 00:12:32,000
close to that 23,000

368
00:12:32,000 --> 00:12:34,000
you know what I'm saying, before

369
00:12:34,000 --> 00:12:36,000
you even started renting

370
00:12:36,000 --> 00:12:38,000
we need people like you

371
00:12:38,000 --> 00:12:40,000
the parents

372
00:12:40,000 --> 00:12:42,000
to instill that in the kids

373
00:12:42,000 --> 00:12:44,000
because, like, you know

374
00:12:44,000 --> 00:12:46,000
it's your first time, we're not gonna know it all

375
00:12:46,000 --> 00:12:48,000
from the get go

376
00:12:48,000 --> 00:12:50,000
and it's important to

377
00:12:50,000 --> 00:12:52,000
instill it the first time they do something

378
00:12:52,000 --> 00:12:54,000
because, like I say

379
00:12:54,000 --> 00:12:56,000
you say, you seen people that went down that path

380
00:12:56,000 --> 00:12:58,000
and never could bounce back

381
00:12:58,000 --> 00:13:00,000
never, it could never bounce back

382
00:13:00,000 --> 00:13:02,000
so that one

383
00:13:02,000 --> 00:13:04,000
time you tell them to go rent

384
00:13:04,000 --> 00:13:06,000
and it goes bad, some people are still

385
00:13:06,000 --> 00:13:08,000
trying to dig themselves out of that

386
00:13:08,000 --> 00:13:10,000
hole from something

387
00:13:10,000 --> 00:13:12,000
years back that they were told to do

388
00:13:12,000 --> 00:13:14,000
you know what I'm saying, was told right

389
00:13:14,000 --> 00:13:16,000
to do, so that's important, I had to throw that

390
00:13:16,000 --> 00:13:18,000
in there cause, yeah

391
00:13:18,000 --> 00:13:20,000
just think about that man, you in a position

392
00:13:20,000 --> 00:13:22,000
where you can

393
00:13:22,000 --> 00:13:24,000
level up, but you're not leveling up

394
00:13:24,000 --> 00:13:26,000
and that's the part where

395
00:13:26,000 --> 00:13:28,000
I think that most people

396
00:13:28,000 --> 00:13:30,000
if you're leveling up

397
00:13:30,000 --> 00:13:32,000
if you feel that you're not leveling up

398
00:13:32,000 --> 00:13:34,000
that's a problem

399
00:13:34,000 --> 00:13:36,000
it's levels to it, like we say

400
00:13:36,000 --> 00:13:38,000
it's different levels, if you feel like you ain't

401
00:13:38,000 --> 00:13:40,000
and whew

402
00:13:40,000 --> 00:13:42,000
if you don't feel like you leveling up

403
00:13:42,000 --> 00:13:44,000
like I still don't feel

404
00:13:44,000 --> 00:13:46,000
if you don't feel

405
00:13:46,000 --> 00:13:48,000
you know what I, can I say this

406
00:13:48,000 --> 00:13:50,000
I'm not against staying

407
00:13:50,000 --> 00:13:52,000
at home until you get

408
00:13:52,000 --> 00:13:54,000
until you can level up, I'm not against you

409
00:13:54,000 --> 00:13:56,000
staying at home saving as much as you can

410
00:13:56,000 --> 00:13:58,000
until you can level up

411
00:13:58,000 --> 00:14:00,000
instead of settling and renting

412
00:14:00,000 --> 00:14:02,000
I'm all for that, that's how

413
00:14:02,000 --> 00:14:04,000
I would be with my kids

414
00:14:04,000 --> 00:14:06,000
get all that you

415
00:14:06,000 --> 00:14:08,000
you stay here, you know, pay

416
00:14:08,000 --> 00:14:10,000
give me a little bit on the bills and this and that

417
00:14:10,000 --> 00:14:12,000
here and there every month, you know what I'm saying

418
00:14:12,000 --> 00:14:14,000
pay your, but in the meantime

419
00:14:14,000 --> 00:14:16,000
manage your money, save

420
00:14:16,000 --> 00:14:18,000
your money up so you can go out

421
00:14:18,000 --> 00:14:20,000
and get something that's worth it

422
00:14:20,000 --> 00:14:22,000
or that you want, instead of just

423
00:14:22,000 --> 00:14:24,000
getting something that you don't want

424
00:14:24,000 --> 00:14:26,000
but you have to get it, it's urgent

425
00:14:26,000 --> 00:14:28,000
it's urgent, you know what I'm saying

426
00:14:28,000 --> 00:14:30,000
because that's how my

427
00:14:30,000 --> 00:14:32,000
mother was like

428
00:14:32,000 --> 00:14:34,000
and it's, you know, lifestyles

429
00:14:34,000 --> 00:14:36,000
from previous, your parents

430
00:14:36,000 --> 00:14:38,000
so you know

431
00:14:38,000 --> 00:14:40,000
she had to go out

432
00:14:40,000 --> 00:14:42,000
and rent because

433
00:14:42,000 --> 00:14:44,000
she got pregnant with me, her parents

434
00:14:44,000 --> 00:14:46,000
put her out, she was in desperation

435
00:14:46,000 --> 00:14:48,000
mode, you gotta get it, you know what I'm saying

436
00:14:48,000 --> 00:14:50,000
so that's how some parents will

437
00:14:50,000 --> 00:14:52,000
think when it comes to their kids, like

438
00:14:52,000 --> 00:14:54,000
desperation mode, you know what I'm saying

439
00:14:54,000 --> 00:14:56,000
or, you know

440
00:14:56,000 --> 00:14:58,000
halftime, you gotta get it now, you know what I'm saying

441
00:14:58,000 --> 00:15:00,000
you gotta get it now, so that's

442
00:15:00,000 --> 00:15:02,000
the thing, like, you know

443
00:15:02,000 --> 00:15:04,000
try to

444
00:15:04,000 --> 00:15:06,000
not put your lifestyle

445
00:15:06,000 --> 00:15:08,000
out there, or influence it on your

446
00:15:08,000 --> 00:15:10,000
kids and try to make them, you know

447
00:15:10,000 --> 00:15:12,000
get something

448
00:15:12,000 --> 00:15:14,000
a slight bit better, you know what I'm saying

449
00:15:14,000 --> 00:15:16,000
instead of going down that same path

450
00:15:16,000 --> 00:15:18,000
mmhmm, and this is

451
00:15:18,000 --> 00:15:20,000
that's

452
00:15:20,000 --> 00:15:22,000
one of the

453
00:15:22,000 --> 00:15:24,000
I think that could be

454
00:15:24,000 --> 00:15:26,000
one of the biggest points of this

455
00:15:26,000 --> 00:15:28,000
podcast, because

456
00:15:28,000 --> 00:15:30,000
it's not

457
00:15:30,000 --> 00:15:32,000
common

458
00:15:32,000 --> 00:15:34,000
that it's being instilled

459
00:15:34,000 --> 00:15:36,000
let me say that again

460
00:15:36,000 --> 00:15:38,000
it's not common

461
00:15:38,000 --> 00:15:40,000
for these type of things to be

462
00:15:40,000 --> 00:15:42,000
instilled in a child

463
00:15:42,000 --> 00:15:44,000
or your young adult child

464
00:15:44,000 --> 00:15:46,000
however you choose, whenever you choose

465
00:15:46,000 --> 00:15:48,000
to push it to them

466
00:15:48,000 --> 00:15:50,000
it's not instilled, you have to

467
00:15:50,000 --> 00:15:52,000
you're going to have to do some teaching

468
00:15:52,000 --> 00:15:54,000
yeah, you're gonna have to do some teaching as a parent

469
00:15:54,000 --> 00:15:56,000
you're gonna have to do some teaching

470
00:15:56,000 --> 00:15:58,000
as a grandparent, whoever is teaching these kids

471
00:15:58,000 --> 00:16:00,000
teachers, teaching

472
00:16:00,000 --> 00:16:02,000
whatever, look

473
00:16:02,000 --> 00:16:04,000
cause when you grow up and you study yourself

474
00:16:04,000 --> 00:16:06,000
you realize, like, nah this wasn't right

475
00:16:06,000 --> 00:16:08,000
and then you're trying to tell

476
00:16:08,000 --> 00:16:10,000
your parent, like, nah this wasn't right

477
00:16:10,000 --> 00:16:12,000
and they still, they

478
00:16:12,000 --> 00:16:14,000
they finally be like, you got a point

479
00:16:14,000 --> 00:16:16,000
yeah you right, I knew this, I knew this

480
00:16:16,000 --> 00:16:18,000
Q, I knew this

481
00:16:18,000 --> 00:16:20,000
dang, you ain't tell me

482
00:16:20,000 --> 00:16:22,000
you know what I'm saying

483
00:16:22,000 --> 00:16:24,000
that's like life, you know what I'm saying

484
00:16:24,000 --> 00:16:26,000
I like parents that are just gonna tell you

485
00:16:26,000 --> 00:16:28,000
you're gonna deal with this

486
00:16:28,000 --> 00:16:30,000
you might deal with the heart breaks

487
00:16:30,000 --> 00:16:32,000
and this and that, don't paint it out to me

488
00:16:32,000 --> 00:16:34,000
like everything gonna be perfect

489
00:16:34,000 --> 00:16:36,000
tell me, I'ma go through some things

490
00:16:36,000 --> 00:16:38,000
so I'll be ready for it

491
00:16:38,000 --> 00:16:40,000
and I can know how to bounce back

492
00:16:40,000 --> 00:16:42,000
that's the key, you know

493
00:16:42,000 --> 00:16:44,000
that's the key, and this is a thing to

494
00:16:44,000 --> 00:16:46,000
speak on with bad investments

495
00:16:46,000 --> 00:16:48,000
one thing or another

496
00:16:48,000 --> 00:16:50,000
and this is a thing of

497
00:16:50,000 --> 00:16:52,000
habit

498
00:16:52,000 --> 00:16:54,000
and which also can go along with addiction

499
00:16:54,000 --> 00:16:56,000
whatever it is

500
00:16:56,000 --> 00:16:58,000
that you're addicted to

501
00:16:58,000 --> 00:17:00,000
that's taking all your money

502
00:17:00,000 --> 00:17:02,000
that's the next problem

503
00:17:02,000 --> 00:17:04,000
mine used to be women, I'ma just put mine out there

504
00:17:04,000 --> 00:17:06,000
again, it used to be women

505
00:17:06,000 --> 00:17:08,000
if you

506
00:17:08,000 --> 00:17:10,000
buying an outfit

507
00:17:10,000 --> 00:17:12,000
for the women, you buy clothes

508
00:17:12,000 --> 00:17:14,000
to impress the women, you buy

509
00:17:14,000 --> 00:17:16,000
that was my mindset

510
00:17:16,000 --> 00:17:18,000
I would never smoke

511
00:17:18,000 --> 00:17:20,000
and never drink, I love women

512
00:17:20,000 --> 00:17:22,000
you know what I'm saying

513
00:17:22,000 --> 00:17:24,000
that was my thing

514
00:17:24,000 --> 00:17:26,000
of course, most people

515
00:17:26,000 --> 00:17:28,000
have that one addiction

516
00:17:28,000 --> 00:17:30,000
that could really tear them down

517
00:17:30,000 --> 00:17:32,000
I don't care

518
00:17:32,000 --> 00:17:34,000
pick your poison

519
00:17:34,000 --> 00:17:36,000
or whatever it is

520
00:17:36,000 --> 00:17:38,000
this is one thing I always say

521
00:17:38,000 --> 00:17:40,000
it comes a time when that

522
00:17:40,000 --> 00:17:42,000
bad investment will kick you

523
00:17:42,000 --> 00:17:44,000
hard

524
00:17:44,000 --> 00:17:46,000
it'll kick you

525
00:17:46,000 --> 00:17:48,000
really hard

526
00:17:48,000 --> 00:17:50,000
once you get kicked by it

527
00:17:50,000 --> 00:17:52,000
you ain't gonna do it no more

528
00:17:52,000 --> 00:17:54,000
you gotta sit there

529
00:17:54,000 --> 00:17:56,000
on that hot stove

530
00:17:56,000 --> 00:17:58,000
you gotta sit there and feel it

531
00:17:58,000 --> 00:18:00,000
that's what a lot of people don't like to do

532
00:18:00,000 --> 00:18:02,000
they don't like to sit and feel what they

533
00:18:02,000 --> 00:18:04,000
think, they don't like to feel

534
00:18:04,000 --> 00:18:06,000
self inflicted problems

535
00:18:06,000 --> 00:18:08,000
and situations, especially when it goes

536
00:18:08,000 --> 00:18:10,000
along with bad investments

537
00:18:10,000 --> 00:18:12,000
like you said, people who

538
00:18:12,000 --> 00:18:14,000
tie their money into the wrong thing

539
00:18:14,000 --> 00:18:16,000
I don't care how bad

540
00:18:16,000 --> 00:18:18,000
or how much money you have

541
00:18:18,000 --> 00:18:20,000
the richest person

542
00:18:20,000 --> 00:18:22,000
can have an addiction and it still be

543
00:18:22,000 --> 00:18:24,000
a bad investment

544
00:18:24,000 --> 00:18:26,000
it could be something as little as having

545
00:18:26,000 --> 00:18:28,000
a porn addiction and subscribing to people

546
00:18:28,000 --> 00:18:30,000
only famous every month

547
00:18:30,000 --> 00:18:32,000
and having different fantasies and fetishes

548
00:18:32,000 --> 00:18:34,000
you know what I'm saying

549
00:18:34,000 --> 00:18:36,000
the slightest little things that you wouldn't

550
00:18:36,000 --> 00:18:38,000
even know that could take your money

551
00:18:38,000 --> 00:18:40,000
and this is the thing

552
00:18:40,000 --> 00:18:42,000
it's not even about how much money you spend

553
00:18:42,000 --> 00:18:44,000
you could be spending

554
00:18:44,000 --> 00:18:46,000
$10 each day

555
00:18:46,000 --> 00:18:48,000
it's gonna rattle up, it's gonna rack up

556
00:18:48,000 --> 00:18:50,000
so it could be like small

557
00:18:50,000 --> 00:18:52,000
investments, but if it's an addiction

558
00:18:52,000 --> 00:18:54,000
you're spending

559
00:18:54,000 --> 00:18:56,000
constantly, like every day

560
00:18:56,000 --> 00:18:58,000
it's gonna rack up, that's worse than

561
00:18:58,000 --> 00:19:00,000
spending your whole

562
00:19:00,000 --> 00:19:02,000
check and waiting 24 hours

563
00:19:02,000 --> 00:19:04,000
you spending every day, it's gonna rack up

564
00:19:04,000 --> 00:19:06,000
now think about that

565
00:19:06,000 --> 00:19:08,000
just think about that, you work 24 hours

566
00:19:08,000 --> 00:19:10,000
in a day right, I'm not gonna say you can work

567
00:19:10,000 --> 00:19:12,000
you can work 24 hours a day, but it's 24 hours

568
00:19:12,000 --> 00:19:14,000
in a day, you work 8 hours of

569
00:19:14,000 --> 00:19:16,000
a day

570
00:19:16,000 --> 00:19:18,000
and this is

571
00:19:18,000 --> 00:19:20,000
the thing too, and I'm learning this

572
00:19:20,000 --> 00:19:22,000
even better now, if you don't

573
00:19:22,000 --> 00:19:24,000
budget

574
00:19:24,000 --> 00:19:26,000
your investments

575
00:19:26,000 --> 00:19:28,000
meaning budget them in

576
00:19:28,000 --> 00:19:30,000
to what your lifestyle is

577
00:19:30,000 --> 00:19:32,000
that could get you into a bad

578
00:19:32,000 --> 00:19:34,000
investment situation just as well

579
00:19:34,000 --> 00:19:36,000
because just because you can afford it

580
00:19:36,000 --> 00:19:38,000
don't mean that you need it, and it doesn't mean

581
00:19:38,000 --> 00:19:40,000
just because you can afford it that you can keep up with this

582
00:19:40,000 --> 00:19:42,000
affordability, sometimes affordability

583
00:19:42,000 --> 00:19:44,000
runs out and you can't afford something

584
00:19:44,000 --> 00:19:46,000
anymore, which makes

585
00:19:46,000 --> 00:19:48,000
it a bad investment then

586
00:19:48,000 --> 00:19:50,000
think about that

587
00:19:50,000 --> 00:19:52,000
think about stuff like that, because I

588
00:19:52,000 --> 00:19:54,000
think, no matter how much money you have

589
00:19:54,000 --> 00:19:56,000
you could be rich, like I mean

590
00:19:56,000 --> 00:19:58,000
if I'm making a million dollars a year

591
00:19:58,000 --> 00:20:00,000
and I'm spending a million dollars a year, that ain't no good

592
00:20:00,000 --> 00:20:02,000
like I told you

593
00:20:02,000 --> 00:20:04,000
like Diddy had hit

594
00:20:04,000 --> 00:20:06,000
he settled that lawsuit with Cassie

595
00:20:06,000 --> 00:20:08,000
and everybody was like

596
00:20:08,000 --> 00:20:10,000
this is my

597
00:20:10,000 --> 00:20:12,000
mindset, I don't know how the world proceeded

598
00:20:12,000 --> 00:20:14,000
but everybody was like

599
00:20:14,000 --> 00:20:16,000
Diddy got the money, he got it

600
00:20:16,000 --> 00:20:18,000
and I'm looking at it like

601
00:20:18,000 --> 00:20:20,000
damn, that's still a lot of money

602
00:20:20,000 --> 00:20:22,000
I wouldn't even want to come up off that

603
00:20:22,000 --> 00:20:24,000
like I said, a dollar is a loss

604
00:20:24,000 --> 00:20:26,000
that's my

605
00:20:26,000 --> 00:20:28,000
I don't care how much money I have

606
00:20:28,000 --> 00:20:30,000
that's my money

607
00:20:30,000 --> 00:20:32,000
that's my money and I want it now

608
00:20:32,000 --> 00:20:34,000
like they say, so

609
00:20:34,000 --> 00:20:36,000
that's my money, I don't care

610
00:20:36,000 --> 00:20:38,000
how rich you are, like you said

611
00:20:38,000 --> 00:20:40,000
a bad investment is a bad investment

612
00:20:40,000 --> 00:20:42,000
that was a loss, I don't care how much

613
00:20:42,000 --> 00:20:44,000
money Diddy has

614
00:20:44,000 --> 00:20:46,000
it was still money he had to

615
00:20:46,000 --> 00:20:48,000
scoop up, Donald Trump losing that lawsuit

616
00:20:48,000 --> 00:20:50,000
this is my, I don't care how much

617
00:20:50,000 --> 00:20:52,000
a loss is a loss man

618
00:20:52,000 --> 00:20:54,000
and hustlers mentality

619
00:20:54,000 --> 00:20:56,000
that's a hustlers mentality

620
00:20:56,000 --> 00:20:58,000
you know, you could lose a dollar

621
00:20:58,000 --> 00:21:00,000
like, nah

622
00:21:00,000 --> 00:21:02,000
like 50, he a hustler

623
00:21:02,000 --> 00:21:04,000
he don't want to lose nothing

624
00:21:04,000 --> 00:21:06,000
you know what I'm saying, he still cheap

625
00:21:06,000 --> 00:21:08,000
he don't mind

626
00:21:08,000 --> 00:21:10,000
I love 50, you know what I'm saying

627
00:21:10,000 --> 00:21:12,000
because he'll wear white tees and jeans

628
00:21:12,000 --> 00:21:14,000
being frugal is a

629
00:21:14,000 --> 00:21:16,000
mentality

630
00:21:16,000 --> 00:21:18,000
that's one thing

631
00:21:18,000 --> 00:21:20,000
it don't matter how much money you got

632
00:21:20,000 --> 00:21:22,000
if Diddy had that

633
00:21:22,000 --> 00:21:24,000
kind of money sitting around, that means he was

634
00:21:24,000 --> 00:21:26,000
saving, if Trump

635
00:21:26,000 --> 00:21:28,000
had that kind of money sitting around, that means he

636
00:21:28,000 --> 00:21:30,000
was saving, so

637
00:21:30,000 --> 00:21:32,000
it gives the wrong impression when you just be like, aw that ain't

638
00:21:32,000 --> 00:21:34,000
nothing, you're saying, it ain't

639
00:21:34,000 --> 00:21:36,000
and when somebody can spend all that money

640
00:21:36,000 --> 00:21:38,000
at one time, they can't make all that

641
00:21:38,000 --> 00:21:40,000
money at one time, remember that, exactly

642
00:21:40,000 --> 00:21:42,000
remember that, how hard

643
00:21:42,000 --> 00:21:44,000
it was to get that, like you said

644
00:21:44,000 --> 00:21:46,000
it's not, just because

645
00:21:46,000 --> 00:21:48,000
he's who he is and he's got it

646
00:21:48,000 --> 00:21:50,000
that don't mean in the case of

647
00:21:50,000 --> 00:21:52,000
he can't lose it, he didn't want to

648
00:21:52,000 --> 00:21:54,000
give it up, in the case of what he

649
00:21:54,000 --> 00:21:56,000
like you just said

650
00:21:56,000 --> 00:21:58,000
what it took to get it, it's just a hustler mentality

651
00:21:58,000 --> 00:22:00,000
that's something that people

652
00:22:00,000 --> 00:22:02,000
have, some people don't, it's in some

653
00:22:02,000 --> 00:22:04,000
people, it's not in everybody

654
00:22:04,000 --> 00:22:06,000
there you go, it's in some people it's not in

655
00:22:06,000 --> 00:22:08,000
everybody, yeah, and that

656
00:22:08,000 --> 00:22:10,000
again, Diddy was making good

657
00:22:10,000 --> 00:22:12,000
investments

658
00:22:12,000 --> 00:22:14,000
good investments, you can tell he was real selfish

659
00:22:14,000 --> 00:22:16,000
and with his money, there you go, he was selfish

660
00:22:16,000 --> 00:22:18,000
and with his money, there you go, and his business

661
00:22:18,000 --> 00:22:20,000
think about some of the

662
00:22:20,000 --> 00:22:22,000
Texas rapper

663
00:22:22,000 --> 00:22:24,000
Slim Thug said one time

664
00:22:24,000 --> 00:22:26,000
you know, and one of

665
00:22:26,000 --> 00:22:28,000
I think it was in his video with

666
00:22:28,000 --> 00:22:30,000
was it Gillian

667
00:22:30,000 --> 00:22:32,000
no it wasn't, no, yeah it was

668
00:22:32,000 --> 00:22:34,000
Gillian Waller, I think it was with him

669
00:22:34,000 --> 00:22:36,000
me and all over again, he said you know

670
00:22:36,000 --> 00:22:38,000
these cats out here spending money

671
00:22:38,000 --> 00:22:40,000
and you know

672
00:22:40,000 --> 00:22:42,000
you think about this right

673
00:22:42,000 --> 00:22:44,000
you buying all these diamonds

674
00:22:44,000 --> 00:22:46,000
you buying all these jewelry, you buying

675
00:22:46,000 --> 00:22:48,000
all these cars, you know what I'm saying, but are

676
00:22:48,000 --> 00:22:50,000
you putting any money away? You know

677
00:22:50,000 --> 00:22:52,000
to see like

678
00:22:52,000 --> 00:22:54,000
where are you saving the money at?

679
00:22:54,000 --> 00:22:56,000
So like one thing that I saw he did

680
00:22:56,000 --> 00:22:58,000
he buys these cheap clothes

681
00:22:58,000 --> 00:23:00,000
to wear around every

682
00:23:00,000 --> 00:23:02,000
single day

683
00:23:02,000 --> 00:23:04,000
I think he showed the shirt was like

684
00:23:04,000 --> 00:23:06,000
$7 and the shorts was like

685
00:23:06,000 --> 00:23:08,000
$10, but

686
00:23:08,000 --> 00:23:10,000
we talking about a million dollar black

687
00:23:10,000 --> 00:23:12,000
man, or they keep receipts

688
00:23:12,000 --> 00:23:14,000
they wear it one day and return it

689
00:23:14,000 --> 00:23:16,000
whatever they choose, in the case of

690
00:23:16,000 --> 00:23:18,000
whatever your frugality

691
00:23:18,000 --> 00:23:20,000
is to save money

692
00:23:20,000 --> 00:23:22,000
and to be able to budget

693
00:23:22,000 --> 00:23:24,000
things into your lifestyle

694
00:23:24,000 --> 00:23:26,000
the only way you're going to be able to do it is you're going to have to

695
00:23:26,000 --> 00:23:28,000
have a strict budget with yourself

696
00:23:28,000 --> 00:23:30,000
how much money are you spending?

697
00:23:30,000 --> 00:23:32,000
Where are you spending the money at?

698
00:23:32,000 --> 00:23:34,000
Again, if somebody can ask you

699
00:23:34,000 --> 00:23:36,000
to go in your bank account and withdraw some money

700
00:23:36,000 --> 00:23:38,000
now can you do it? If you got

701
00:23:38,000 --> 00:23:40,000
more money, if you got more money

702
00:23:40,000 --> 00:23:42,000
in clothes in your closet and shoes

703
00:23:42,000 --> 00:23:44,000
and your house and

704
00:23:44,000 --> 00:23:46,000
this and that, but your bank account is zero

705
00:23:46,000 --> 00:23:48,000
you're not winning sir

706
00:23:48,000 --> 00:23:50,000
you're not winning ma'am, that's not a winner

707
00:23:50,000 --> 00:23:52,000
that's not winning mentality

708
00:23:52,000 --> 00:23:54,000
you gotta have something saved up

709
00:23:54,000 --> 00:23:56,000
The idea is to me

710
00:23:56,000 --> 00:23:58,000
especially if a person is making some money

711
00:23:58,000 --> 00:24:00,000
and if the average person

712
00:24:00,000 --> 00:24:02,000
is making $300 to $500

713
00:24:02,000 --> 00:24:04,000
a week, if you can't keep

714
00:24:04,000 --> 00:24:06,000
at least $25

715
00:24:06,000 --> 00:24:08,000
you're not

716
00:24:08,000 --> 00:24:10,000
I keep more than that

717
00:24:10,000 --> 00:24:12,000
and some mindset things

718
00:24:12,000 --> 00:24:14,000
where you're at

719
00:24:14,000 --> 00:24:16,000
is only up to you

720
00:24:16,000 --> 00:24:18,000
that's why I said that

721
00:24:18,000 --> 00:24:20,000
if you're making $300

722
00:24:20,000 --> 00:24:22,000
to $500 a week

723
00:24:22,000 --> 00:24:24,000
again, if you cannot save

724
00:24:24,000 --> 00:24:26,000
at least

725
00:24:26,000 --> 00:24:28,000
I go lower, if you can't save at least $5

726
00:24:28,000 --> 00:24:30,000
that's a problem

727
00:24:30,000 --> 00:24:32,000
but you know what

728
00:24:32,000 --> 00:24:34,000
some checks I can do my thing

729
00:24:34,000 --> 00:24:36,000
you wanna know why?

730
00:24:36,000 --> 00:24:38,000
because like you said about Diddy

731
00:24:38,000 --> 00:24:40,000
eventually down the road

732
00:24:40,000 --> 00:24:42,000
these people were saving

733
00:24:42,000 --> 00:24:44,000
you gotta save, you have to

734
00:24:44,000 --> 00:24:46,000
I always keep something in my account

735
00:24:46,000 --> 00:24:48,000
I'm big on the accounts

736
00:24:48,000 --> 00:24:50,000
I don't carry money on me

737
00:24:50,000 --> 00:24:52,000
it's all on the card

738
00:24:52,000 --> 00:24:54,000
it's my mid-top because if I see it

739
00:24:54,000 --> 00:24:56,000
I know

740
00:24:56,000 --> 00:24:58,000
that I'm more likely to spend it

741
00:24:58,000 --> 00:25:00,000
that's why I hide my money from myself

742
00:25:00,000 --> 00:25:02,000
and see most people

743
00:25:02,000 --> 00:25:04,000
that takes strength

744
00:25:04,000 --> 00:25:06,000
to be able to do that

745
00:25:06,000 --> 00:25:08,000
if you can't

746
00:25:08,000 --> 00:25:10,000
save money

747
00:25:10,000 --> 00:25:12,000
I hate to say this

748
00:25:12,000 --> 00:25:14,000
if you can't save money you're in a bad position

749
00:25:14,000 --> 00:25:16,000
that means you'll never budget

750
00:25:16,000 --> 00:25:18,000
you'll never get yourself to a point where you're putting something away

751
00:25:18,000 --> 00:25:20,000
if you're just doing it

752
00:25:20,000 --> 00:25:22,000
all the time consistently

753
00:25:22,000 --> 00:25:24,000
for 20-30 years

754
00:25:24,000 --> 00:25:26,000
you're never gonna do it

755
00:25:26,000 --> 00:25:28,000
where's the money ever gonna come from

756
00:25:28,000 --> 00:25:30,000
if you ain't ever saving it

757
00:25:30,000 --> 00:25:32,000
here's a rainy day

758
00:25:32,000 --> 00:25:34,000
what you gonna do when a rainy day comes

759
00:25:34,000 --> 00:25:36,000
mindfully yes, if you got help you got help

760
00:25:36,000 --> 00:25:38,000
if you don't have help

761
00:25:38,000 --> 00:25:40,000
guess what, you're gonna have to save up

762
00:25:40,000 --> 00:25:42,000
but at the same time even if you do have help

763
00:25:42,000 --> 00:25:44,000
guess what, that person that's helping you

764
00:25:44,000 --> 00:25:46,000
or that help you're getting eventually is gonna run out

765
00:25:46,000 --> 00:25:48,000
so eventually you have to get yourself

766
00:25:48,000 --> 00:25:50,000
to that point where you're learning to save

767
00:25:50,000 --> 00:25:52,000
it's easier to have it

768
00:25:52,000 --> 00:25:54,000
and take a little loss than not having to take a loss

769
00:25:54,000 --> 00:25:56,000
like Diddy took a loss

770
00:25:56,000 --> 00:25:58,000
but it wasn't a loss loss

771
00:25:58,000 --> 00:26:00,000
he's been saving

772
00:26:00,000 --> 00:26:02,000
he's been saving

773
00:26:02,000 --> 00:26:04,000
and still considered a loss

774
00:26:04,000 --> 00:26:06,000
but he lose lose

775
00:26:06,000 --> 00:26:08,000
another example of

776
00:26:08,000 --> 00:26:10,000
how they say those companies

777
00:26:10,000 --> 00:26:12,000
those companies that

778
00:26:12,000 --> 00:26:14,000
take a, well I ain't gonna say just a company

779
00:26:14,000 --> 00:26:16,000
but just let's just say

780
00:26:16,000 --> 00:26:18,000
a business

781
00:26:18,000 --> 00:26:20,000
they make these investments to buy things

782
00:26:20,000 --> 00:26:22,000
to bring in

783
00:26:22,000 --> 00:26:24,000
to see what's selling

784
00:26:24,000 --> 00:26:26,000
to see if they can make bank off of this stuff

785
00:26:26,000 --> 00:26:28,000
if it don't make bank guess what they gonna do

786
00:26:28,000 --> 00:26:30,000
get rid of it

787
00:26:30,000 --> 00:26:32,000
it's not gonna stay forever

788
00:26:32,000 --> 00:26:34,000
because what's the use of putting money into something

789
00:26:34,000 --> 00:26:36,000
that's not making any money

790
00:26:36,000 --> 00:26:38,000
that's gonna be a poor investment

791
00:26:38,000 --> 00:26:40,000
that's the mentality

792
00:26:40,000 --> 00:26:42,000
that we all have to get to

793
00:26:42,000 --> 00:26:44,000
let me say this

794
00:26:44,000 --> 00:26:46,000
like with clothings

795
00:26:46,000 --> 00:26:48,000
buy a couple of them first

796
00:26:48,000 --> 00:26:50,000
you know what I'm saying

797
00:26:50,000 --> 00:26:52,000
for my clothing designers

798
00:26:52,000 --> 00:26:54,000
don't get a whole bundle of stuff

799
00:26:54,000 --> 00:26:56,000
and don't know how the reaction

800
00:26:56,000 --> 00:26:58,000
is gonna be with the people and stuff like that

801
00:26:58,000 --> 00:27:00,000
get you a couple of them

802
00:27:00,000 --> 00:27:02,000
advertise these clothes

803
00:27:02,000 --> 00:27:04,000
see the reactions

804
00:27:04,000 --> 00:27:06,000
and then if you're getting people wanting to order

805
00:27:06,000 --> 00:27:08,000
that's when you bundled up

806
00:27:08,000 --> 00:27:10,000
once you get a reaction from it

807
00:27:10,000 --> 00:27:12,000
like oh I like that

808
00:27:12,000 --> 00:27:14,000
I want one of them

809
00:27:14,000 --> 00:27:16,000
you can't just go

810
00:27:16,000 --> 00:27:18,000
and that's the thing with us Blackfoot

811
00:27:18,000 --> 00:27:20,000
we'll go head in

812
00:27:20,000 --> 00:27:22,000
into something

813
00:27:22,000 --> 00:27:24,000
and that's what the consumers act to it

814
00:27:24,000 --> 00:27:26,000
and that's with that tax money

815
00:27:26,000 --> 00:27:28,000
don't just throw it all in one thing

816
00:27:28,000 --> 00:27:30,000
put a little bit right here

817
00:27:30,000 --> 00:27:32,000
pay this bill

818
00:27:32,000 --> 00:27:34,000
pay that bill

819
00:27:34,000 --> 00:27:36,000
you ain't even gotta pay the whole

820
00:27:36,000 --> 00:27:38,000
put half on it at least

821
00:27:38,000 --> 00:27:40,000
put half on it

822
00:27:40,000 --> 00:27:42,000
put something to it

823
00:27:42,000 --> 00:27:44,000
it adds up

824
00:27:44,000 --> 00:27:46,000
instead of just throwing it all over in one thing

825
00:27:46,000 --> 00:27:48,000
it's easy to throw it all into one thing

826
00:27:48,000 --> 00:27:50,000
it's easy to do that

827
00:27:50,000 --> 00:27:52,000
I don't

828
00:27:54,000 --> 00:27:56,000
the reason why most people throw it all into one thing

829
00:27:56,000 --> 00:27:58,000
is because they're

830
00:27:58,000 --> 00:28:00,000
desperate to have something

831
00:28:00,000 --> 00:28:02,000
like I said in the beginning with the car

832
00:28:02,000 --> 00:28:04,000
or they didn't have to work for it

833
00:28:04,000 --> 00:28:06,000
or they don't appreciate it

834
00:28:06,000 --> 00:28:08,000
it don't come via

835
00:28:08,000 --> 00:28:10,000
their pain

836
00:28:10,000 --> 00:28:12,000
and suffering to get it

837
00:28:12,000 --> 00:28:14,000
it's easy to throw away somebody else's money

838
00:28:14,000 --> 00:28:16,000
it's easy to do it in that light too

839
00:28:16,000 --> 00:28:18,000
and then again too just because

840
00:28:18,000 --> 00:28:20,000
your addictive mind

841
00:28:20,000 --> 00:28:22,000
your addictive mind thinks that way too

842
00:28:22,000 --> 00:28:24,000
you won't even think about what's going on in realistic

843
00:28:24,000 --> 00:28:26,000
lifetime or things that's gonna happen

844
00:28:26,000 --> 00:28:28,000
or something that's gonna happen due to your addiction

845
00:28:28,000 --> 00:28:30,000
to something

846
00:28:30,000 --> 00:28:32,000
some of them got addiction to shoes you're buying all these shoes

847
00:28:32,000 --> 00:28:34,000
you can't even wear all these shoes every single week

848
00:28:34,000 --> 00:28:36,000
every single day

849
00:28:36,000 --> 00:28:38,000
and a lot of people in my generation

850
00:28:38,000 --> 00:28:40,000
I'm talking to the black community

851
00:28:40,000 --> 00:28:42,000
I think a lot of us don't even intend to live long

852
00:28:42,000 --> 00:28:44,000
I think a lot of us don't even

853
00:28:44,000 --> 00:28:46,000
think we're gonna make 30, 40, 50

854
00:28:46,000 --> 00:28:48,000
and it's sad

855
00:28:48,000 --> 00:28:50,000
so we have that mentality

856
00:28:50,000 --> 00:28:52,000
like I might as well get in there

857
00:28:52,000 --> 00:28:54,000
whatever I want I might as well get in there

858
00:28:54,000 --> 00:28:56,000
health why I need to worry about a health

859
00:28:56,000 --> 00:28:58,000
I mean I might not make it to 35, 40

860
00:28:58,000 --> 00:29:00,000
that's the mentality that

861
00:29:00,000 --> 00:29:02,000
most of us have but then

862
00:29:02,000 --> 00:29:04,000
when we make it to 35, 40

863
00:29:04,000 --> 00:29:06,000
we stuck cause we was in that

864
00:29:06,000 --> 00:29:08,000
mentality

865
00:29:08,000 --> 00:29:10,000
so that's a lot of ways

866
00:29:10,000 --> 00:29:12,000
our mentality we don't think about

867
00:29:12,000 --> 00:29:14,000
we just think about trying to survive more

868
00:29:14,000 --> 00:29:16,000
make it today

869
00:29:16,000 --> 00:29:18,000
that we don't think down

870
00:29:18,000 --> 00:29:20,000
how our ancestors thought

871
00:29:20,000 --> 00:29:22,000
they were thinking about us

872
00:29:22,000 --> 00:29:24,000
how they gonna be able to

873
00:29:24,000 --> 00:29:26,000
take care of themselves if I die

874
00:29:26,000 --> 00:29:28,000
now we're just

875
00:29:28,000 --> 00:29:30,000
thinking about us

876
00:29:30,000 --> 00:29:32,000
we ain't even think about our kids most times

877
00:29:32,000 --> 00:29:34,000
we're just like okay I might not even

878
00:29:34,000 --> 00:29:36,000
live to 35 you know what I'm saying

879
00:29:36,000 --> 00:29:38,000
let me just live my life and you got a

880
00:29:38,000 --> 00:29:40,000
whole kid over here

881
00:29:40,000 --> 00:29:42,000
let me just live my life

882
00:29:42,000 --> 00:29:44,000
your life stopped once you had that kid

883
00:29:44,000 --> 00:29:46,000
you know what I'm saying

884
00:29:46,000 --> 00:29:48,000
so the mindset too

885
00:29:48,000 --> 00:29:50,000
is jack man

886
00:29:50,000 --> 00:29:52,000
so now

887
00:29:52,000 --> 00:29:54,000
speaking of mindset

888
00:29:54,000 --> 00:29:56,000
if the mindset isn't again

889
00:29:56,000 --> 00:29:58,000
if it isn't squared off if it isn't

890
00:29:58,000 --> 00:30:00,000
on point if it's going

891
00:30:00,000 --> 00:30:02,000
you're going to eventually show

892
00:30:02,000 --> 00:30:04,000
your flaws at trying to have

893
00:30:04,000 --> 00:30:06,000
things and doing things as far

894
00:30:06,000 --> 00:30:08,000
as investments

895
00:30:08,000 --> 00:30:10,000
you gonna have to think do some tallying

896
00:30:10,000 --> 00:30:12,000
up do some research

897
00:30:12,000 --> 00:30:14,000
figure some things out

898
00:30:14,000 --> 00:30:16,000
whether it's your budget

899
00:30:16,000 --> 00:30:18,000
if you're in a spot where you're paying too much

900
00:30:18,000 --> 00:30:20,000
and you're not ever getting to save a dollar you might need to move

901
00:30:20,000 --> 00:30:22,000
so at the end of the day

902
00:30:22,000 --> 00:30:24,000
it's a thing of like okay

903
00:30:24,000 --> 00:30:26,000
even if you got the help to push

904
00:30:26,000 --> 00:30:28,000
and do things to get it done

905
00:30:28,000 --> 00:30:30,000
to accept the help but at the same time

906
00:30:30,000 --> 00:30:32,000
if you're by yourself just

907
00:30:32,000 --> 00:30:34,000
remember

908
00:30:34,000 --> 00:30:36,000
is it a good investment or is it a bad investment

909
00:30:36,000 --> 00:30:38,000
is it a good investment

910
00:30:38,000 --> 00:30:40,000
or is it a bad investment

911
00:30:40,000 --> 00:30:42,000
look up good investments

912
00:30:42,000 --> 00:30:44,000
look up bad investments

913
00:30:44,000 --> 00:30:46,000
see which ones line up with you

914
00:30:46,000 --> 00:30:48,000
and figure it out

915
00:30:48,000 --> 00:30:50,000
learn how to save it's nothing else

916
00:30:50,000 --> 00:30:52,000
we've reached that point

917
00:30:52,000 --> 00:30:54,000
we at the end we ain't gonna keep

918
00:30:54,000 --> 00:30:56,000
holding y'all

919
00:30:56,000 --> 00:30:58,000
it is Thursday you still

920
00:30:58,000 --> 00:31:00,000
have a little bit of time to

921
00:31:00,000 --> 00:31:02,000
get you some

922
00:31:02,000 --> 00:31:04,000
coffee or if you ain't a coffee drinker

923
00:31:04,000 --> 00:31:06,000
go drink your little drinks

924
00:31:06,000 --> 00:31:08,000
drink your champagne or whatever it is

925
00:31:08,000 --> 00:31:10,000
drink your water

926
00:31:10,000 --> 00:31:12,000
eat your food

927
00:31:12,000 --> 00:31:14,000
payday tomorrow

928
00:31:14,000 --> 00:31:16,000
remember

929
00:31:16,000 --> 00:31:18,000
good investments

930
00:31:18,000 --> 00:31:20,000
bad investments

931
00:31:20,000 --> 00:31:22,000
save your money when you can

932
00:31:22,000 --> 00:31:24,000
if you can't save any money what good can you be

933
00:31:24,000 --> 00:31:26,000
for yourself years and years and years to come

934
00:31:26,000 --> 00:31:28,000
and what good can your kids be

935
00:31:28,000 --> 00:31:30,000
hey not even just your kids

936
00:31:30,000 --> 00:31:32,000
how about generations to come

937
00:31:32,000 --> 00:31:34,000
generations to come

938
00:31:34,000 --> 00:31:36,000
you want your whole family to have

939
00:31:36,000 --> 00:31:38,000
again your kids will be your kids

940
00:31:38,000 --> 00:31:40,000
again sometimes your kids may not

941
00:31:40,000 --> 00:31:42,000
be the ones to then spend your money

942
00:31:42,000 --> 00:31:44,000
all of your money but at the same time

943
00:31:44,000 --> 00:31:46,000
you gave them something to spend

944
00:31:46,000 --> 00:31:48,000
and it's up to them to know what they need to do

945
00:31:48,000 --> 00:31:50,000
can I say this

946
00:31:50,000 --> 00:31:52,000
I just want to lead us in there please

947
00:31:52,000 --> 00:31:54,000
black people

948
00:31:54,000 --> 00:31:56,000
leave some type of business

949
00:31:56,000 --> 00:31:58,000
or something

950
00:31:58,000 --> 00:32:00,000
like working

951
00:32:00,000 --> 00:32:02,000
within your

952
00:32:02,000 --> 00:32:04,000
family a business that you can

953
00:32:04,000 --> 00:32:06,000
leave your kids and your generations

954
00:32:06,000 --> 00:32:08,000
because what I'm seeing is a lot of us

955
00:32:08,000 --> 00:32:10,000
are getting old working these

956
00:32:10,000 --> 00:32:12,000
jobs 9 to 5

957
00:32:12,000 --> 00:32:14,000
and then we can't work no more

958
00:32:14,000 --> 00:32:16,000
a lot of us are having to spend our retirement

959
00:32:16,000 --> 00:32:18,000
money because

960
00:32:18,000 --> 00:32:20,000
we can't even get the assistance

961
00:32:20,000 --> 00:32:22,000
from the government

962
00:32:22,000 --> 00:32:24,000
because the government don't want to

963
00:32:24,000 --> 00:32:26,000
act right so now we're having to

964
00:32:26,000 --> 00:32:28,000
dive into our own savings

965
00:32:28,000 --> 00:32:30,000
that was set up for our kids

966
00:32:30,000 --> 00:32:32,000
and generations to come

967
00:32:32,000 --> 00:32:34,000
that's why this is important that we

968
00:32:34,000 --> 00:32:36,000
practice trying to get businesses and create

969
00:32:36,000 --> 00:32:38,000
businesses for our kids

970
00:32:38,000 --> 00:32:40,000
and generations to come

971
00:32:40,000 --> 00:32:42,000
to create our own work

972
00:32:42,000 --> 00:32:44,000
so we know we'll have a job

973
00:32:44,000 --> 00:32:46,000
we're guaranteed to have a job

974
00:32:46,000 --> 00:32:48,000
that's the mindset that I would love

975
00:32:48,000 --> 00:32:50,000
to see the black community get to

976
00:32:50,000 --> 00:32:52,000
where we create jobs

977
00:32:52,000 --> 00:32:54,000
for our own

978
00:32:54,000 --> 00:32:56,000
where we can't get fired

979
00:32:56,000 --> 00:32:58,000
and we hire who we want to hire

980
00:32:58,000 --> 00:33:00,000
and work our hours

981
00:33:00,000 --> 00:33:02,000
operate how we want to operate

982
00:33:02,000 --> 00:33:04,000
that's what I would love to get to

983
00:33:04,000 --> 00:33:06,000
yeah

984
00:33:06,000 --> 00:33:08,000
so

985
00:33:08,000 --> 00:33:10,000
us here at Nizans Music Podcast

986
00:33:10,000 --> 00:33:12,000
we still have a lot of learning to do ourselves

987
00:33:12,000 --> 00:33:14,000
growing to do ourselves

988
00:33:14,000 --> 00:33:16,000
but we all in this together

989
00:33:16,000 --> 00:33:20,000
so we're throwing this out there for the betterment of everybody

990
00:33:20,000 --> 00:33:24,000
if these topaz ain't talked about we probably won't even think about it

991
00:33:24,000 --> 00:33:26,000
if you're already on the wheel sides you're in a good place

992
00:33:26,000 --> 00:33:28,000
that means you're already following probably

993
00:33:28,000 --> 00:33:30,000
hopefully if not subscribe

994
00:33:30,000 --> 00:33:34,000
get these subscriber lists moving up

995
00:33:34,000 --> 00:33:36,000
get the people coming in

996
00:33:36,000 --> 00:33:38,000
it's coming it's slowly coming

997
00:33:38,000 --> 00:33:40,000
but again just remember

998
00:33:40,000 --> 00:33:42,000
if you want the latest from us

999
00:33:42,000 --> 00:33:44,000
subscribe via the website

1000
00:33:44,000 --> 00:33:46,000
if you're on your favorite network right now

1001
00:33:46,000 --> 00:33:48,000
make sure you subscribe or follow

1002
00:33:48,000 --> 00:33:50,000
tap me in

1003
00:33:50,000 --> 00:33:52,000
so next time we upload and post

1004
00:33:52,000 --> 00:33:54,000
you'll already be in the know

1005
00:33:54,000 --> 00:33:56,000
again if you're subscribed to the website

1006
00:33:56,000 --> 00:33:58,000
that is the best place to be

1007
00:33:58,000 --> 00:34:00,000
remember if you're on the website look around

1008
00:34:00,000 --> 00:34:02,000
there's a lot of stuff there, merch there

1009
00:34:02,000 --> 00:34:04,000
conversation is there

1010
00:34:04,000 --> 00:34:06,000
there's plenty of stuff to look at

1011
00:34:06,000 --> 00:34:08,000
too much stuff to listen to

1012
00:34:08,000 --> 00:34:10,000
plenty, you won't be able to listen to any of y'all listening one day

1013
00:34:10,000 --> 00:34:12,000
I promise you

1014
00:34:12,000 --> 00:34:14,000
in a week or in a month's time

1015
00:34:14,000 --> 00:34:16,000
but at the end of the day, well maybe in a month's time

1016
00:34:16,000 --> 00:34:18,000
but you'll have to do a whole lot of listening

1017
00:34:18,000 --> 00:34:20,000
but again

1018
00:34:20,000 --> 00:34:22,000
hopefully y'all again just tapping in

1019
00:34:22,000 --> 00:34:24,000
thank y'all for tapping in

1020
00:34:24,000 --> 00:34:26,000
as long as y'all have again

1021
00:34:26,000 --> 00:34:28,000
we all on the podcast, Apple Podcast

1022
00:34:28,000 --> 00:34:30,000
easy to find us

1023
00:34:30,000 --> 00:34:32,000
just easy

1024
00:34:32,000 --> 00:34:34,000
if you wanna google it, google it

1025
00:34:34,000 --> 00:34:36,000
google gonna put you right in

1026
00:34:36,000 --> 00:34:38,000
right in the mix of things

1027
00:34:38,000 --> 00:34:40,000
and it'll just be easy to go from there

1028
00:34:40,000 --> 00:34:42,000
and take off from there

1029
00:34:42,000 --> 00:34:44,000
again, take off from there

1030
00:34:44,000 --> 00:34:46,000
we appreciate y'all, Not Just Music Podcast

1031
00:34:46,000 --> 00:34:48,000
we out

1032
00:34:48,000 --> 00:34:50,000
another one

1033
00:34:50,000 --> 00:34:52,000
what's going on, it's your boy Duann Barino

1034
00:34:52,000 --> 00:34:54,000
from Not Just Music Podcast

1035
00:34:54,000 --> 00:34:56,000
we appreciate y'all tuning in, don't forget to like and subscribe

1036
00:34:56,000 --> 00:35:20,000
tune in next time