What is money for?
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Is it a helpful
resource to use for good,
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or is the love of it
the root of all evil?
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Actually it's both,
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but God may have a
different definition of success.
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Real success
doesn't come overnight.
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It takes hard work
and faithful planning.
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To use your dollars well,
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it takes more
than a little sense.
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Hi, and welcome
to Dollars and Sense,
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I am co-host Yvonne Lewis
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and our primary
host is Ryan Mack,
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financial literacy expert,
author, teacher, speaker.
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All right.
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Everything, just
everything, everything
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Proud to be here.
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Yeah, we are so glad to have you
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and love the information
you've been bringing,
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I know that our
Dare to Dream viewers
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are being so
blessed by this information.
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Share this with your friends,
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tell your friends
to watch this program.
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We need it in our
communities desperately.
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So we are so glad
that you are doing this
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and tying it all to scripture.
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Absolutely.
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Tying all these
principles into these financial,
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economic principles
into biblical principles.
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Right, well, it's easy to do
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because everything in your
life is related to scripture.
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And scripture
supports every aspect,
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there's nothing that you can do
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whether it be
sleeping and breathing,
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all of that,
everything our daily activities,
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what we do, how we
think, how we feel,
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and especially everything
good is supported by scripture.
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So it is very simple
to do and on this show,
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it's one of my favorite shows
because of programs rather,
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essentially because
we want to really support
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and really put our arms
around our entrepreneurs.
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These entrepreneurs are
out there every single day
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and they are
having that these ideas
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and they are trying to create
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something that's a product
or service for themselves
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and I wanted to just really,
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well, I wanted to
highlight a scripture
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that to me resonates
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when you are
wanting to start a business
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and I read it, it's
out of Colossians 3:23,
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it says "And
whatever, whatsoever ye do,
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do it heartily, as to
the Lord, and not unto men."
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And I think that
every business owner
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should really just take heed
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of what the Word is saying here,
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because when you're
starting a business,
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you have to ask
yourself a question,
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why are you doing
this and is this for money?
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Is this for fame
or is this for power?
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Is this for a recognition?
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Is this to feel like you
are validated as a person
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or you're doing this
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because Christ has
led you to do this?
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Is this of the
flesh or the spirit?
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Good question.
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We have to go
through that question
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and many times
businesses rise and fail
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or many
businesses are successful
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according to the world,
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but not according to
what Christ has wanted to do
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and we know, we all
know that those businesses
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that are worldly successful
are not necessarily successful
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in the eyes of that individual,
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especially with
internal struggles,
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you might get all
the money in the world.
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But what does that money mean
when you have lost yourself?
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That's right,
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you know, I've
looked at people on TV
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and especially a lot
of these rappers and stuff
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and they are so rich financially
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and they look so miserable.
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Right.
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I mean, I don't, I never
see real joy in their faces,
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you know, they
might smile sometimes,
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but they just look so miserable.
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Because financial
wealth does not...
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A man's life Jesus say
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"Consists of more
than what he possesses."
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So it's not just
about what you have,
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it's no sin to have a lot,
it's a blessing to have a lot.
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But it's what you do
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and is it of the
flesh as you said
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or is it of the spirit?
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I mean, and we have
to ask these questions,
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I mean, and these questions
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are so pertinent and so critical
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because we wanna make sure
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and that we are one
joyous in our lives.
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We wanna make sure
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that we are
content with what we have
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and with our sedan in our estate
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and we wanna get to
that level of prosperity,
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and prosperity doesn't mean
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have all the money in the world,
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you know, you can be
spiritually prosperous.
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You know, if you
are walking in the line
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what God has for your life,
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you can attain
spiritual prosperity,
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you can attain
physical prosperity,
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and I am trying to
attain that right now.
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There are many entrepreneurs
out there like yourself,
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who teach about
health and awareness,
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so that's a weakness of mine,
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so I'll use your services
to help me get more healthy.
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Anytime.
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Socially
prosperous and making sure
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that we can try to make sure
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that we are aligned
with what is going on
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in our communities,
mentally prosperous,
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and making sure that
our mindset is strong.
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So all these things together
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we can achieve a
certain level of prosperity
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we want in life,
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and there are
entrepreneurs out their
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who have businesses
that can really just attach
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and really direct us
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and use their
products and services
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that we can buy and
purchase and sometime for free
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if it's through a
non-profit or what have you,
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that they certainly say,
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let me assist you and
fulfill the need in society
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and where our passion intersects
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with our need in society.
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That's where we're
gonna have the most happiness
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and the most joy
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because we are
passionate about something
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and we are fulfilling a
need about something as well.
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That is so true, for those
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who don't know
what an entrepreneur is,
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what is an entrepreneur?
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An entrepreneur quite
frankly is just someone
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who said, "Hey, I have
a skill, I have a talent,
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and I want to spend all
my time creating something
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whether it be a service,
whether it be a product,
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and I want to offer this
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for other
individuals to purchase."
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Okay.
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One of my favorite
civil rights leaders
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was Madam C. J. Walker,
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she started out as a slave,
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she worked her way
up to cleaning out tubs
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and after she got
out of cleaning out tubs,
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she started to say,
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"Let me make this
beauty care and hot combs."
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And she was
selling her beauty care
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and their hot combs
and her husband said,
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"You know what,
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I think you're
making enough money,
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we are making about,
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you know, $10 to $20 a week,
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back in those days was a lot of
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money, we're
making enough money,
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and we're making,
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you know, lets just be
content with what we have here
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and she said no, no, no,
I have to do something more
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because the more money I make,
the more people I can help.
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And so her drive was not
just to make the products
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as she was very
good at making products,
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but her drive was to say that
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if she can build this enterprise
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and be successful at
building this enterprise,
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then I can employ people,
and I can put people to work,
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and I don't have to
wait on the government,
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I don't have to
wait on anything,
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I can create this entity
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and a lot of people are going
to be blessed by essentially
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what I have been
able to put together
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and this is what
Christ wants us to do.
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He wants us to be
fruitful and multiply
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and make sure that we
can use the skills and talent
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that He has provided us
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to create benefit
for other individuals.
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When I was first
starting my business,
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I remember the
trials I went through.
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I remember all those
things that I had to do,
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the connection,
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so what I did is I
put together four steps,
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that future entrepreneurs,
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people who just have
something in their mind
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that I would love
to get individuals
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to just write down,
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and these four steps
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are for those
individuals out there,
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you don't know exactly
what you want to do yet,
00:07:37.65\00:07:39.52
you don't know if
entrepreneurship is for you,
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and I actually do these
steps every six months or so.
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And I write these
steps down and I meditate
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and I think about, hey,
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what is God trying to
tell me through these.
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What is He trying to let me know
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about these particular steps.
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So the first step is purpose.
Okay, purpose and passion.
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The two most
precious days of your life
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are the day you were born
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and the second day is a day
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you know why you
were born, right.
00:08:07.55\00:08:09.42
So we have to
figure out why we're here,
00:08:09.45\00:08:13.22
and when you
figure out why we are here
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and, you know, God
knows why we are here.
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Right.
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Before we were even
created in the womb,
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He knew exactly
what was happening,
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He knew this is the
reason I am putting this person,
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I am designing an individual
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that's gonna be
uniquely tailored to this world.
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And this person is
gonna have these skill sets
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and if they follow
My word and My will,
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then they are going to be the,
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they are able to
use these skill sets
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to do fill in the
blank, what is that?
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For me my skill set
was financial literacy
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and I knew that I was called
to teach financial literacy,
00:08:44.99\00:08:48.79
to help
individuals to understand
00:08:48.82\00:08:50.16
the value of money and
why we have to use money.
00:08:50.23\00:08:53.06
So the exercise I
would like to give
00:08:53.09\00:08:55.10
for finding your
purpose and passion in step one,
00:08:55.13\00:08:58.40
I would love
everyone to take some time,
00:08:58.43\00:09:01.77
take some time to do this,
00:09:01.80\00:09:03.14
maybe you can find a
buddy if you like to figure out,
00:09:03.17\00:09:06.17
hey, you know what,
do this exercise with me,
00:09:06.21\00:09:08.54
because you might
see something in me
00:09:08.58\00:09:09.91
that I didn't
even see in myself.
00:09:09.94\00:09:11.78
So write down 20
skills, talents, or hobbies
00:09:11.81\00:09:15.92
that you possess, at least 20.
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It might be challenging,
00:09:18.39\00:09:19.72
but just work
your way through it
00:09:19.75\00:09:21.56
and may be you can complement
some of these skills, talents,
00:09:21.59\00:09:25.09
maybe get to 10
or 12 or may be 15.
00:09:25.13\00:09:27.86
But then the
other additional ones
00:09:27.93\00:09:29.23
may be write down
things that you get mad at,
00:09:29.26\00:09:31.97
things that you get upset about.
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When you're watching television
and you argued about something,
00:09:33.77\00:09:36.81
what is tapping
into that passion?
00:09:36.84\00:09:40.41
What was the last time
you have argued with someone
00:09:40.48\00:09:42.71
and you just couldn't stop,
00:09:42.74\00:09:44.08
you didn't want
to break it away.
00:09:44.15\00:09:45.48
Was it about sports?
00:09:45.51\00:09:46.92
Was it about
politics? Was it about law?
00:09:46.95\00:09:49.58
Was it about health, strategy,
whatever it really was,
00:09:49.62\00:09:52.79
because that one thing that you
can't break yourself away from,
00:09:52.82\00:09:55.92
that could be
tapping into your passion.
00:09:55.96\00:09:58.33
So after the 20
things that you write down,
00:09:58.36\00:10:01.53
you then want
to essentially get,
00:10:01.56\00:10:03.93
that's gonna give you a picture,
00:10:03.97\00:10:05.50
it's gonna start
forming a picture
00:10:05.53\00:10:07.10
that things that
relate to one another
00:10:07.14\00:10:09.77
and that might give
you an indication that
00:10:09.80\00:10:11.27
hey, maybe this is something
that I should look into,
00:10:11.31\00:10:13.27
maybe I should look
into being a journalist,
00:10:13.34\00:10:16.08
maybe I should look
into being a lawyer,
00:10:16.11\00:10:18.08
maybe I should look
into being an accountant,
00:10:18.11\00:10:20.18
or maybe I should
look into being a caterer,
00:10:20.22\00:10:22.22
whatever that is, you're
gonna start seeing things,
00:10:22.25\00:10:24.99
a picture that comes together,
00:10:25.02\00:10:26.59
so that's step one finding
your purpose and passion.
00:10:26.62\00:10:29.32
For step two, we
want to make sure vision,
00:10:29.36\00:10:33.09
you wanna achieve that vision,
00:10:33.13\00:10:34.46
where there is no
vision, the people perish.
00:10:34.46\00:10:35.80
Right.
00:10:35.83\00:10:37.20
One of my favorite scripture
in the Word because it says,
00:10:37.23\00:10:40.37
"Where there is no
vision, the people perish."
00:10:40.40\00:10:42.04
Now many people will say,
00:10:42.07\00:10:43.77
you know, they
will take that to me
00:10:43.84\00:10:45.81
that where there is no vision,
00:10:45.84\00:10:47.44
I will perish
meaning personally.
00:10:47.51\00:10:50.18
Well, your
vision is not for you,
00:10:50.21\00:10:52.48
your vision is
for other individuals
00:10:52.51\00:10:54.85
to bless someone else.
00:10:54.88\00:10:56.82
So when it says that people
will perish, meaning this.
00:10:56.85\00:11:00.06
Let's just say
we have a community
00:11:00.09\00:11:02.69
or someone has a
vision of being a lawyer,
00:11:02.72\00:11:06.70
five years from now.
00:11:06.73\00:11:08.03
Someone has a vision
of being an accountant,
00:11:08.06\00:11:09.40
five years from now.
00:11:09.43\00:11:10.83
Someone has a vision of being
a caterer, five years from now.
00:11:10.87\00:11:14.80
If they all live in the
same community in ideal world
00:11:14.84\00:11:17.84
when you start those businesses,
00:11:17.87\00:11:19.47
a lawyer, an
accountant, and a caterer,
00:11:19.51\00:11:22.31
they will all be able
to circulate their dollar
00:11:22.34\00:11:24.55
amongst one another.
00:11:24.58\00:11:25.91
They have their vision
00:11:25.95\00:11:27.28
they'll be able to
spend their vision,
00:11:27.32\00:11:28.65
they achieve their vision,
00:11:28.68\00:11:30.05
they'll be able
to take their money.
00:11:30.09\00:11:31.42
That lawyer can get their
taxes done at the accountant,
00:11:31.45\00:11:34.12
then an accountant can
buy food at the caterer,
00:11:34.16\00:11:36.69
the caterer can use that
lawyer for legal services
00:11:36.73\00:11:39.06
and so forth
00:11:39.09\00:11:40.46
and that's how we create
the circulation of our dollar.
00:11:40.50\00:11:43.23
Now, what if that lawyer
00:11:43.30\00:11:45.40
decides to not
achieve their vision,
00:11:45.43\00:11:47.97
what if that not to pursue it,
00:11:48.00\00:11:50.34
I don't want to
go to law school.
00:11:50.37\00:11:51.77
What if that accountant says,
00:11:51.81\00:11:53.17
I don't wanna be
a tax accountant,
00:11:53.21\00:11:55.04
I don't wanna go
to be an accountant,
00:11:55.08\00:11:57.61
I don't wanna get my CPA,
they decided not to do it.
00:11:57.65\00:12:00.62
What if that caterer says,
00:12:00.65\00:12:01.98
I don't wanna open
up a catering business?
00:12:02.02\00:12:03.69
Well, where's
the lawyer gonna eat?
00:12:03.72\00:12:06.19
They gonna have to go
outside the community.
00:12:06.22\00:12:08.99
Where's the accountant gonna
get their legal service done?
00:12:09.02\00:12:12.06
Have to go
outside the community.
00:12:12.09\00:12:14.30
Where's the caterer gonna get
00:12:14.30\00:12:16.16
their legal services
done or get their taxes done?
00:12:16.20\00:12:19.17
Outside the community.
00:12:19.20\00:12:20.54
So every service that
they would have been provided
00:12:20.60\00:12:22.87
before in the community,
00:12:22.90\00:12:24.27
spinning the
money in the community,
00:12:24.31\00:12:25.64
circulating their
dollar effectively,
00:12:25.67\00:12:27.54
they don't have to
go outside the community
00:12:27.58\00:12:29.18
taking their money
outside the community,
00:12:29.21\00:12:31.31
making the community
00:12:31.35\00:12:32.68
and when they are taking
their dollars rich and richer,
00:12:32.71\00:12:34.98
but the community
in which their dollars
00:12:35.02\00:12:36.52
are coming from
becomes poor and poor.
00:12:36.55\00:12:38.72
So it was that lack of...
00:12:38.75\00:12:40.12
So what made
that dollar circulate?
00:12:40.16\00:12:42.76
Well people say well,
00:12:42.79\00:12:44.13
product and services
the availability of them.
00:12:44.19\00:12:45.83
Well if you go deeper than that,
00:12:45.86\00:12:47.36
it was vision that
made the dollar circulate.
00:12:47.40\00:12:49.80
If those people
didn't have their vision,
00:12:49.83\00:12:52.13
then essentially they
wouldn't have had anybody
00:12:52.17\00:12:54.17
to spend their money with.
00:12:54.20\00:12:56.40
So it was the vision that
made the dollar circulate,
00:12:56.44\00:12:58.47
it was their vision
that empowered the community,
00:12:58.51\00:13:00.18
and where there is no
vision, the people perish.
00:13:00.21\00:13:03.65
So that's what I
feel that we really are,
00:13:03.68\00:13:06.35
that resonates with me
when I think about that.
00:13:06.38\00:13:08.45
So your vision,
00:13:08.48\00:13:09.88
we need your
vision to be successful.
00:13:09.92\00:13:12.05
We need your
vision to be pursued,
00:13:12.09\00:13:13.76
because at the
end of that vision
00:13:13.79\00:13:15.29
there's someone
waiting on you to bless them.
00:13:15.32\00:13:17.13
I need to spend
my money with you,
00:13:17.16\00:13:18.86
if you are in my community,
00:13:18.89\00:13:20.40
I need to spend my money
00:13:20.43\00:13:21.73
with you to make sure
our community is successful.
00:13:21.76\00:13:24.63
So we need to
have exercise for that
00:13:24.67\00:13:26.63
and that's for the vision
00:13:26.70\00:13:28.57
I want you to write
down where do you think
00:13:28.60\00:13:30.47
you'll be 1, 5, 10
and 20 years from today.
00:13:30.51\00:13:35.08
This is our step two, vision,
00:13:35.11\00:13:36.95
1, 5, 10 and 20 years
from today and be specific,
00:13:37.01\00:13:42.22
write a budge for
your 5 and 10 year vision
00:13:42.25\00:13:45.15
and that means
take a budget out.
00:13:45.19\00:13:47.02
Where do you think
00:13:47.06\00:13:48.39
your mortgages gonna
be or your rents gonna be?
00:13:48.42\00:13:50.69
Or you're gonna
have anymore children
00:13:50.73\00:13:52.06
for the young
millennials out there?
00:13:52.09\00:13:53.96
Are you gonna be in school,
you're going back to school?
00:13:54.00\00:13:56.80
How much money you
gonna be making from this job
00:13:56.83\00:13:58.50
that you gonna have
00:13:58.53\00:13:59.87
or this
entrepreneurial this businesses
00:13:59.90\00:14:01.30
that you're gonna start?
00:14:01.34\00:14:02.67
Where's your budget gonna be?
00:14:02.70\00:14:04.04
'Cause when you
start to write budgets down
00:14:04.11\00:14:05.74
and I call them
forecasting budgets
00:14:05.77\00:14:07.38
and where you think
you're gonna walk in life,
00:14:07.41\00:14:09.51
things start to come
together and they start to gel,
00:14:09.54\00:14:12.45
and write that budget down
00:14:12.48\00:14:14.32
and start marching
towards that, that's step two.
00:14:14.35\00:14:16.79
Now step three,
it's called resources.
00:14:16.82\00:14:20.46
Now for step three
we have to understand
00:14:20.49\00:14:22.56
the four precious resources
that we have, our time, money
00:14:22.59\00:14:27.60
and everybody knows
about time and money,
00:14:27.66\00:14:29.50
you know, I mean time
is more precious than money
00:14:29.53\00:14:32.20
'cause I can
make a million dollars
00:14:32.23\00:14:33.60
and lose a million
dollars and make it back.
00:14:33.64\00:14:35.34
But if you take my
time, I can never get it back.
00:14:35.37\00:14:38.87
So time is, time
and money, now then,
00:14:38.91\00:14:41.71
can't forget about
knowledge and people.
00:14:41.74\00:14:44.58
So many times individuals forget
00:14:44.61\00:14:45.95
about knowledge and people.
00:14:45.98\00:14:47.32
So the only one person away
from achieving your blessing
00:14:47.38\00:14:50.05
in terms of people that
one person that you meet,
00:14:50.09\00:14:52.29
that you come across
with, that you network with,
00:14:52.32\00:14:55.16
so you never know
how they gonna bless you
00:14:55.19\00:14:57.49
as you walk across their path,
00:14:57.53\00:14:58.96
as God places that
one specific person
00:14:58.99\00:15:01.73
for you to connect with.
00:15:01.76\00:15:03.10
So treat everybody with love,
00:15:03.13\00:15:04.57
treat everybody with
respect, be kind with everyone.
00:15:04.60\00:15:07.44
You never going to meet someone
00:15:07.47\00:15:09.00
from now for the
rest of your life
00:15:09.04\00:15:11.21
that doesn't know something
that you don't know, right.
00:15:11.24\00:15:14.41
So everyone is
unique in that fashion
00:15:14.44\00:15:18.28
that everyone has
that in their walk,
00:15:18.31\00:15:20.12
so you should treat
everyone with respect,
00:15:20.15\00:15:21.78
because they know
something that you don't.
00:15:21.82\00:15:23.49
They have knowledge
about something you don't
00:15:23.52\00:15:24.89
and that's with everyone,
00:15:24.92\00:15:26.25
there's nobody on
the face of the planet
00:15:26.29\00:15:28.66
that you know
exactly the same thing.
00:15:28.69\00:15:33.03
So again treat
everyone with respect,
00:15:33.06\00:15:35.63
you never know what you
are going to get from them,
00:15:35.66\00:15:37.03
you never know what you
are going to give to them,
00:15:37.07\00:15:38.97
so I need you to write
down especially five people
00:15:39.00\00:15:43.20
that you need to connect with,
00:15:43.24\00:15:45.37
that can help you
achieve your vision
00:15:45.41\00:15:46.98
and I'll give
you 30 days to do it.
00:15:47.04\00:15:50.25
So this person, these are people
00:15:50.31\00:15:51.65
that can help
you start a business,
00:15:51.68\00:15:53.01
these are people that can
give you insight and guidance,
00:15:53.05\00:15:55.78
but please consider
Dare to Dream network
00:15:55.82\00:15:57.69
as a part of those individuals.
00:15:57.72\00:15:59.05
Absolutely.
00:15:59.09\00:16:00.49
And write us down,
00:16:00.52\00:16:01.86
reach out to us
on our Facebook page,
00:16:01.89\00:16:03.22
we want to connect
with those individuals.
00:16:03.26\00:16:05.13
So I want people to
write down five people
00:16:05.16\00:16:07.46
that they want to connect with,
00:16:07.50\00:16:08.83
whether in the next 30 days
00:16:08.86\00:16:10.20
they can help
achieve their vision
00:16:10.27\00:16:11.60
that you haven't
connected with before.
00:16:11.63\00:16:13.07
These are not people
that you've already talked to,
00:16:13.10\00:16:15.17
these are brand new people.
00:16:15.20\00:16:16.54
It's good.
00:16:16.57\00:16:17.91
I want you to
expand your network.
00:16:17.94\00:16:19.27
If you are the
smartest person in your circle,
00:16:19.31\00:16:20.68
you need to find a new circle.
00:16:20.71\00:16:22.54
And we have to
think about this way
00:16:22.58\00:16:24.48
because I know a lot of folks
that are way smarter than me
00:16:24.51\00:16:27.22
and I thank God
for them all the time,
00:16:27.25\00:16:28.72
because they give
me so much intellect
00:16:28.75\00:16:30.82
and so much ability
to just think bigger,
00:16:30.89\00:16:32.82
and better, and broader,
00:16:32.85\00:16:34.19
and better than
I ever had before.
00:16:34.26\00:16:35.82
And then for knowledge,
00:16:35.86\00:16:37.23
I need you to
write down five books
00:16:37.26\00:16:38.59
that you want to read,
over the next 6 months,
00:16:38.63\00:16:41.36
that are gonna help you.
00:16:41.40\00:16:42.73
When I started
Optimum Capital Management,
00:16:42.76\00:16:44.23
my financial planning company,
00:16:44.27\00:16:46.27
I read four books how to start
a financial planning company
00:16:46.30\00:16:50.11
and I spent less than $10
00:16:50.17\00:16:51.51
on Amazon to start
this, to buy those books,
00:16:51.54\00:16:54.41
they helped me start a business.
00:16:54.44\00:16:55.94
So starting a business is
easier than it's ever before
00:16:55.98\00:16:59.31
and we need to be very
deliberate on doing that.
00:16:59.35\00:17:01.22
And in final the step
four is a plan of action.
00:17:01.25\00:17:05.62
We want you to
write down five steps
00:17:05.65\00:17:08.62
with dates and
times attached to them.
00:17:08.66\00:17:11.36
When you're going to
get the first three steps
00:17:11.39\00:17:13.23
that you wrote
down accomplished.
00:17:13.26\00:17:15.30
When you're gonna get
that vision accomplished.
00:17:15.33\00:17:17.10
When you're gonna
write down your vision.
00:17:17.17\00:17:18.57
When you're gonna
get that budget together.
00:17:18.60\00:17:20.14
When you're
gonna buy those books.
00:17:20.17\00:17:21.57
When you're gonna meet
up with those individuals
00:17:21.60\00:17:23.17
who can connect you
with and expand your network.
00:17:23.20\00:17:25.67
When you're gonna sit down
and write out your 20 skills,
00:17:25.71\00:17:29.58
talents, or hobbies
that you haven't possessed.
00:17:29.61\00:17:31.55
So these four steps of success
are for people out there,
00:17:31.58\00:17:34.12
if you do this every, I
do this every six months.
00:17:34.15\00:17:36.69
It helps individuals
to just get centered on
00:17:36.72\00:17:39.55
exactly what they are good
at and it gives them a picture,
00:17:39.59\00:17:42.52
an indication of
exactly where they wanna go
00:17:42.56\00:17:45.23
and you might
already have a business.
00:17:45.26\00:17:47.76
And I'll tell you when
I started a non-profit,
00:17:47.76\00:17:50.07
I did this exercise,
let's say we know what,
00:17:50.13\00:17:52.20
I think God is pulling
me in a different direction
00:17:52.23\00:17:54.00
and this is giving me an outline
00:17:54.04\00:17:55.87
that's showing me, I need to,
00:17:55.90\00:17:57.74
maybe move in a
different direction,
00:17:57.77\00:17:59.74
maybe I need to do a non-profit
because I had four profit,
00:17:59.77\00:18:02.71
maybe a non-profit will
be better suited for that,
00:18:02.74\00:18:04.88
start the
non-profit, got fully funded
00:18:04.91\00:18:07.65
and that helped
me get my book tour,
00:18:07.68\00:18:09.58
I traveled over 40
cities from funding
00:18:09.62\00:18:11.69
that I got from my non-profit,
00:18:11.72\00:18:13.05
that I wouldn't have able
00:18:13.09\00:18:14.42
to attain had I
not done this exercise.
00:18:14.46\00:18:16.22
So that's what people should do
before they start the business.
00:18:16.26\00:18:19.56
That is so rich, it's so good
00:18:19.59\00:18:23.47
because
especially as I was listening
00:18:23.50\00:18:25.60
that whole idea of
the plan of action,
00:18:25.63\00:18:27.34
'cause now you linked
yourself to some dates,
00:18:27.37\00:18:31.64
you've said, okay, if you don't,
00:18:31.67\00:18:34.54
if you just say I wanna do this,
00:18:34.58\00:18:37.18
I wanna do
this, I wanna do that,
00:18:37.25\00:18:39.35
then that's just a dream,
00:18:39.38\00:18:42.22
it's just a dream
because you're not,
00:18:42.25\00:18:43.82
you have nothing
to tie action to it.
00:18:43.89\00:18:47.49
But if you say,
okay, I want to do this
00:18:47.56\00:18:49.96
by this day and
this by that day,
00:18:50.03\00:18:52.79
then now you got,
you've tied it to a day
00:18:52.83\00:18:57.47
and now the expectation
is even deeper on you
00:18:57.53\00:19:00.10
because you have a time
00:19:00.17\00:19:02.50
in which to
fulfill this, don't we?
00:19:02.54\00:19:04.14
We have to force ourselves,
00:19:04.17\00:19:05.51
we have to be
deliberate and making sure
00:19:05.54\00:19:07.84
that we are moving
in that right direction.
00:19:07.88\00:19:10.11
We have to make sure
that we are writing down
00:19:10.18\00:19:14.35
and we are not stagnant, okay,
00:19:14.38\00:19:16.85
because what
sometimes individuals do
00:19:16.92\00:19:18.62
as entrepreneurs or
prospective entrepreneurs,
00:19:18.65\00:19:20.89
people that want to get into
starting their own business,
00:19:20.92\00:19:23.76
they are stagnant
and setting their mind
00:19:23.79\00:19:26.09
again I've said this before,
00:19:26.13\00:19:27.96
the number one
place where you can find
00:19:28.00\00:19:29.80
most of your
dreams is in the graveyard
00:19:29.83\00:19:31.40
because people die with
them, and what happens is
00:19:31.43\00:19:33.74
if you don't
fulfill your dreams,
00:19:33.77\00:19:35.80
if you don't
pursue these dreams,
00:19:35.84\00:19:38.31
then all the blessings
that were going to come
00:19:38.34\00:19:40.68
from those
dreams for other people
00:19:40.71\00:19:42.38
God gave you these
visions for a reason,
00:19:42.41\00:19:45.28
and He want you to fulfill them
00:19:45.31\00:19:46.72
because there are
someone waiting out
00:19:46.75\00:19:48.08
and hey, we now what,
hey, I need a job right now.
00:19:48.12\00:19:51.65
Wouldn't have had
unless you started that company
00:19:51.69\00:19:53.96
or you have a
business right now,
00:19:53.99\00:19:55.32
so I have some additional chips
00:19:55.36\00:19:57.56
that I can provide
that for individuals
00:19:57.63\00:19:59.13
to just kind of
help individuals navigate
00:19:59.16\00:20:01.40
to starting that business.
00:20:01.43\00:20:03.67
And the first thing
individuals have to do
00:20:03.73\00:20:06.13
is when you're
starting a business
00:20:06.17\00:20:07.50
is get your
personal finances in order.
00:20:07.54\00:20:10.01
That's the first
step of any small business
00:20:10.07\00:20:12.64
when you create.
00:20:12.67\00:20:14.04
Before you even get started.
00:20:14.08\00:20:15.78
We have to do so,
we have to make sure
00:20:15.81\00:20:17.95
we are getting our
personal finances in order.
00:20:17.98\00:20:19.81
We have to make sure that
00:20:19.85\00:20:21.18
we are getting
our credit together.
00:20:21.22\00:20:22.55
We have to make sure
that we are forming a budget
00:20:22.58\00:20:24.69
for those individuals
out there who are working,
00:20:24.72\00:20:27.16
I mean, thank God
for that job, okay.
00:20:27.22\00:20:29.49
Use that job as a bridge job,
00:20:29.52\00:20:30.99
because as you're making
enough money to pay your bills,
00:20:31.03\00:20:34.93
you need to work
your nine to five,
00:20:34.96\00:20:36.50
so you can work
your five to nine, okay.
00:20:36.53\00:20:39.03
And that is when
you go to nine to five,
00:20:39.07\00:20:40.97
you're doing your
job and you're reporting,
00:20:41.00\00:20:43.54
but then from five to nine,
00:20:43.57\00:20:45.17
that's when you do your research
00:20:45.21\00:20:46.54
on your other job,
00:20:46.61\00:20:47.94
that you wanna start
in our second career,
00:20:47.98\00:20:49.58
that you wanna start
00:20:49.61\00:20:50.95
because you wanted
to start this business
00:20:50.98\00:20:52.31
and you wanted to get all
those types of things done.
00:20:52.35\00:20:54.65
So get your
personal finances in order,
00:20:54.68\00:20:56.62
get your credit together.
00:20:56.65\00:20:58.09
Here's a few steps on
building up your credit,
00:20:58.12\00:21:00.76
have to be again making sure
00:21:00.79\00:21:02.12
that you're paying
your bills on time.
00:21:02.16\00:21:04.43
You know, one
thing with that, Ryan,
00:21:04.46\00:21:06.06
is for me like for a while
00:21:06.09\00:21:08.80
that my credit
was really messed up
00:21:08.83\00:21:10.23
because I was self employed,
00:21:10.27\00:21:12.63
sometimes when
you're self employed,
00:21:12.67\00:21:15.10
if you don't work
you don't get paid,
00:21:15.14\00:21:17.57
and if certain things
happen and you don't work,
00:21:17.61\00:21:19.64
you don't get paid, so
you can't pay your bills.
00:21:19.67\00:21:21.24
But now praise the
Lord, I am employed
00:21:21.28\00:21:24.68
and I have
regular, regular pay checks
00:21:24.71\00:21:27.82
so I do automatic bill pay
00:21:27.85\00:21:32.72
and all my bills,
praise God are paid on time
00:21:32.75\00:21:36.46
because I do automatic bill pay.
00:21:36.49\00:21:38.23
If I had to rely
on myself to remember,
00:21:38.26\00:21:40.20
oh, this is due the 1st
00:21:40.26\00:21:42.23
and this is due the 12th
and this is due the 16th,
00:21:42.26\00:21:45.03
I'll never do
that, set it up one time,
00:21:45.07\00:21:47.80
set up automatic bill pay
one time and then that's it,
00:21:47.84\00:21:51.01
automatically it
comes out of your check
00:21:51.04\00:21:53.61
and you don't have
to, you don't worry
00:21:53.64\00:21:57.08
and that has
changed my credit score,
00:21:57.11\00:21:59.58
it's been a blessing
00:21:59.61\00:22:01.05
because when you do it that way,
00:22:01.08\00:22:02.92
you get your
credit score goes up
00:22:02.95\00:22:05.49
so I was really
blessed to be able to do that.
00:22:05.52\00:22:08.99
And I only did it once
00:22:09.02\00:22:10.36
and it just
handles itself after that.
00:22:10.43\00:22:13.09
Absolutely, and
a few other steps
00:22:13.13\00:22:15.70
that I would
like to give here are,
00:22:15.73\00:22:17.63
well, again get
your credit together.
00:22:17.67\00:22:20.20
You wanna figure out
what type of structure
00:22:20.24\00:22:21.60
you gonna form
with your business.
00:22:21.64\00:22:24.17
When you start a
business, a lot of individuals
00:22:24.21\00:22:25.64
that I worked
with over the years
00:22:25.67\00:22:27.14
have essentially said
00:22:27.18\00:22:28.51
they're not
gonna form a structure
00:22:28.54\00:22:29.88
and they've been
getting paid in cash,
00:22:29.91\00:22:32.45
or they've been trying
to get paid under the table,
00:22:32.48\00:22:34.48
which essentially doesn't
allow them to file any taxes
00:22:34.52\00:22:37.35
and what happens is
that and then I get it,
00:22:37.39\00:22:39.52
you don't wanna have
any one catch up to you,
00:22:39.55\00:22:42.32
okay that's fine
00:22:42.36\00:22:43.69
but when you form
the right structure,
00:22:43.73\00:22:45.73
you know, whether it be an
LLC or a corporate corporation
00:22:45.76\00:22:49.66
or an S corporation
or levied in partnership
00:22:49.70\00:22:52.13
for those
individuals in real estate
00:22:52.17\00:22:53.57
especially out there.
00:22:53.60\00:22:54.94
When you form
that right structure,
00:22:54.97\00:22:56.30
what allows you to do is,
00:22:56.34\00:22:57.67
now it allows you to
get deductions, okay.
00:22:57.71\00:23:00.98
Every time you
form a business entity,
00:23:01.01\00:23:04.48
you get an
additional 300 tax deductions
00:23:04.51\00:23:07.22
available to you
that you didn't have,
00:23:07.25\00:23:09.15
if you didn't
have a business entity.
00:23:09.18\00:23:11.95
So again, form
that right structure,
00:23:11.99\00:23:14.86
get a business mentor,
00:23:14.89\00:23:16.22
that's the first
thing we have to do
00:23:16.26\00:23:17.63
is get someone who's
been there done that.
00:23:17.66\00:23:19.59
As a matter of fact I
would even advise individuals
00:23:19.63\00:23:21.80
to get an advisory council
00:23:21.83\00:23:23.53
of at least three or four people
00:23:23.57\00:23:25.27
who, you know, they
could be your mother,
00:23:25.30\00:23:27.54
I mean, my mother
helped me out tremendously
00:23:27.60\00:23:29.97
when I started
Optimum Capital Management
00:23:30.01\00:23:31.94
and she was right there,
00:23:31.97\00:23:33.34
so she was an
unofficial advisory or council.
00:23:33.38\00:23:36.18
But other people
who are knowledgeable
00:23:36.21\00:23:37.78
about the industry
00:23:37.81\00:23:39.15
who can provide
guidance and insight to you
00:23:39.18\00:23:42.25
about whatever it is
you're trying to get into.
00:23:42.28\00:23:44.95
Form, I mean,
talk to sba.gov score,
00:23:44.99\00:23:49.46
all these organizations SBDC.
00:23:49.49\00:23:52.26
Sba.gov is a great website,
00:23:52.29\00:23:53.80
you go there, they
have a business template.
00:23:53.86\00:23:56.16
Write out your business plan
00:23:56.20\00:23:58.20
and again it's invaluable.
00:23:58.23\00:24:00.04
So here are eight quick steps
00:24:00.07\00:24:03.64
that we can do to write
down and make sure that we,
00:24:03.71\00:24:06.44
after you've gone
over your personal finances
00:24:06.47\00:24:08.38
and put your budget together,
00:24:08.41\00:24:09.88
eight things you
should do to make sure
00:24:09.91\00:24:11.31
that your businesses are
structured appropriately.
00:24:11.35\00:24:13.21
One, structure your
business appropriately again
00:24:13.25\00:24:16.45
LLC corporation, S corporation,
talk to an accountant
00:24:16.48\00:24:19.62
if you need
additional assistance.
00:24:19.65\00:24:21.12
Two, obtain an EIN number.
00:24:21.16\00:24:24.43
You can go to irs.gov website
00:24:24.46\00:24:27.03
that I use a lot is inkednow.com
00:24:27.10\00:24:29.16
that helps me to
file within my state,
00:24:29.20\00:24:31.57
we pay $200 whatever the fee is,
00:24:31.60\00:24:34.10
but obtain that EIN number
00:24:34.14\00:24:35.47
because we wanna make
sure that you are filing taxes,
00:24:35.50\00:24:37.97
you get available
all those tax deductions
00:24:38.01\00:24:39.91
available to you.
00:24:39.94\00:24:41.28
That's a
corporate ID number, right?
00:24:41.31\00:24:42.64
Absolutely, yes.
00:24:42.68\00:24:44.01
Three, open a separate account.
00:24:44.05\00:24:46.31
You want to keep
your personal finances
00:24:46.35\00:24:48.12
separate from
your business finances.
00:24:48.15\00:24:49.98
You wanna make sure
there's no liability
00:24:50.05\00:24:51.99
just think of
piercing the corporate veil,
00:24:52.02\00:24:54.16
you get sued in case
something happens to you
00:24:54.22\00:24:56.22
in your day to day business...
And you can lose everything.
00:24:56.26\00:24:58.09
Absolutely.
00:24:58.13\00:24:59.46
Four, listed.
00:24:59.49\00:25:00.93
Make sure you listed
your business address,
00:25:00.96\00:25:02.56
people wanna be
able to find you.
00:25:02.60\00:25:04.30
Five, obtain all
the required permits,
00:25:04.33\00:25:06.67
license and
registrations that you need.
00:25:06.74\00:25:09.04
Hopefully there's business plan
should be able to obtain that.
00:25:09.07\00:25:12.61
And six, establish a
profile with Dun and Bradstreet,
00:25:12.64\00:25:16.18
dnb.com, this
is business credit,
00:25:16.21\00:25:18.58
you know, it's
different from personal credit,
00:25:18.61\00:25:20.32
you want your personal
credit to be up-to-date,
00:25:20.35\00:25:22.45
but you want
your business credit
00:25:22.48\00:25:23.82
to be up-to-date as well.
00:25:23.89\00:25:25.52
And then lastly,
apply for personal line
00:25:25.55\00:25:28.49
or business line of credit
00:25:28.52\00:25:29.92
with different
organizations like Office Depot,
00:25:29.96\00:25:31.86
Staples, Fedex, T-Mobile,
all these organizations
00:25:31.89\00:25:35.00
will essentially allow you
to build your business credit
00:25:35.03\00:25:37.23
with products that you
are purchasing any way.
00:25:37.27\00:25:39.70
So you wanna make sure
that your business credit
00:25:39.73\00:25:41.14
gets built up-to-date as well.
00:25:41.17\00:25:43.14
That's some good,
that's some great info.
00:25:43.17\00:25:45.74
You're really
giving us some good stuff
00:25:45.77\00:25:47.14
and you have a
takeaway, of course.
00:25:47.18\00:25:48.64
I sure do, I want
folks to be successful.
00:25:48.68\00:25:51.15
All right.
00:25:51.18\00:25:52.51
Wake up early,
you find an oyster,
00:25:59.52\00:26:01.82
wake up late you
will only find the shell.
00:26:01.86\00:26:04.16
What God has
created for you to receive
00:26:04.19\00:26:05.99
because you
decided to sleep late,
00:26:06.03\00:26:07.73
was received by somebody else
00:26:07.76\00:26:09.33
who is ready to
receive the blessing.
00:26:09.36\00:26:10.97
The successful
entrepreneur understands this.
00:26:11.00\00:26:13.74
We need more
successful entrepreneurs.
00:26:13.77\00:26:16.07
We need more people
to step up to the plate
00:26:16.10\00:26:18.34
and take the ideas
00:26:18.37\00:26:19.71
God has given
them in their head,
00:26:19.74\00:26:21.14
to make them come to fruition.
00:26:21.18\00:26:22.88
To the current
entrepreneur, thank you.
00:26:22.91\00:26:25.28
I know your pain.
00:26:25.31\00:26:26.65
We spent all of our
time focused on politicians,
00:26:26.72\00:26:29.25
when you are the one's
out there doing the real work,
00:26:29.28\00:26:31.19
making the economy run.
00:26:31.22\00:26:32.79
Politicians
support economic growth
00:26:32.82\00:26:34.99
but you create it.
00:26:35.02\00:26:36.93
For this you are never
fully appreciated enough.
00:26:36.96\00:26:39.59
You took the leap of faith
00:26:39.63\00:26:40.96
and because of that now
00:26:40.96\00:26:42.30
you are the reason
we have jobs to go to,
00:26:42.33\00:26:44.17
products to
purchase for our families
00:26:44.23\00:26:46.03
and services we can
use to help us navigate
00:26:46.07\00:26:48.27
through our lives.
00:26:48.30\00:26:49.64
Keep up the good fight
00:26:49.67\00:26:51.01
to not only
keep your doors open,
00:26:51.04\00:26:52.37
but to work,
and grow, and expand
00:26:52.41\00:26:53.74
as all of us will benefit.
00:26:53.78\00:26:55.44
As a fellow business
owner, I understand your journey
00:26:55.48\00:26:58.25
and the many
blessings it entails.
00:26:58.28\00:27:00.45
To that person who
is out there debating,
00:27:00.48\00:27:02.35
whether or not they have what
it takes to be an entrepreneur,
00:27:02.38\00:27:05.05
you must understand
the longings of your heart
00:27:05.09\00:27:07.22
are not incidental.
00:27:07.29\00:27:08.62
Those dreams that you have
when you are asleep or awake
00:27:08.66\00:27:11.49
are not purely happenstance,
00:27:11.53\00:27:13.09
but critical messages from God.
00:27:13.13\00:27:15.50
The desires of your
heart are not to be ignored
00:27:15.53\00:27:18.20
but consulted.
00:27:18.23\00:27:19.57
God is too gracious to ask you
to do anything that you hate,
00:27:19.60\00:27:22.67
too merciful to ask you to
do anything that you despise.
00:27:22.70\00:27:26.01
Choose God and
follow your passion
00:27:26.04\00:27:27.78
and you'll find yourself
having to make provisions
00:27:27.81\00:27:30.05
for the abundant
blessings coming your way.
00:27:30.08\00:27:32.65
Whether you're current
or future business owner,
00:27:32.68\00:27:34.95
we at Dollars and
Sense support your endeavors.
00:27:34.98\00:27:37.39
Email us at
dollarsandsense@3abn.org
00:27:37.42\00:27:40.79
with any
questions or chat with me
00:27:40.86\00:27:42.82
on the Dare to Dream
network Facebook page.
00:27:42.86\00:27:45.06
In the meanwhile, be
the change you want to see
00:27:45.09\00:27:47.40
and remember,
the purpose of life
00:27:47.40\00:27:49.23
is a life of purpose.
00:27:49.26\00:27:50.63
Till next time
Dollars and Sense signing off.
00:27:50.67\00:27:52.97