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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Hello, and welcome
to Dollars and Sense.
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My name is Yvonne
Lewis and I'm the co-host
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for this program
along with Ryan Mack,
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who is our
financial literacy expert.
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And Ryan has been bringing
it. This has been powerful.
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These programs are powerful.
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And today, we're going
to talk about a subject
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that's near and dear to me.
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Absolutely. Family.
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It's all about the
family. I think that...
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Well, the Family
Empowerment Program,
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we had designed it when
I was living in Brooklyn.
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And we will work
with a lot of those
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who are formally incarcerated,
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and they were
coming home from prison.
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And we just said, you
know what a lot of individuals
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just don't have jobs,
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they're trying
to get employment,
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how do we set up a
network that assists them
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to get integrated back
into society more effectively?
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And a group of us at a
financial planning company
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that I had at the time,
we said, "You know what,
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why don't we start
putting their family together."
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They're
unemployed and, you know,
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we should just figure out,
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maybe they can
have some resources
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that they can share with
them, so we started do it.
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And next thing
you know, the family
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and the extended
family, we put them together,
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we gave some good conversations,
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and people start
to get employment.
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I mean, not every
single thing was successful,
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but it was really a good time
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because what we found
out was that many people
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within the family
could really lean on
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what another more
than just that individual
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who was formally incarcerated,
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other people
started getting assistance.
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Businesses
starting to get supported,
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businesses
starting to get created,
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so it became a
Family Empowerment Program.
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So I said, "You
know what, let's...
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I want to dedicate this show
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to the Family
Empowerment Program
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and if we have some time
really get them some tips
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for those are
who are unemployed."
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Good.
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So really just
talk about how it is.
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So in the
scripture, it talks about
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family empowerment as well.
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So we have 1
Timothy 5:8, that says,
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"But if anyone does not
provide for his relatives,
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and especially for
members of his household,
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he has denied the faith
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and is worse
than an unbeliever."
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Wow.
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So literally the
scripture is saying that
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it's our obligation
to help out our family.
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And I think that
far too many times,
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we as a society,
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don't really
look right next to us.
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You know, how many times have,
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you know, you
have an amazing career,
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but maybe some of
your family members
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just hadn't really recognized
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that brain said,
you've had because I mean,
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I know it's true for
me, I'm just little Ryan,
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"Take out the trash."
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You know, "Go
get the trash boy."
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And I'm like,
"Well, wait a minute,
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you know, I've
done all this stuff.
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Well, I can..."
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And I'll just
take out the trash,
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you know, I don't mind.
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But that's how
family looks at us.
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Yeah. You know...
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So we have to learn that
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there are valuable
resources in each one of us.
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How many family
members do we have that
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are going to
prison or coming home?
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How many youth do we
have that are going to college
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that we can get
scholarships for?
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How many businesses do we have
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that we should be
supporting or starting?
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I mean, all of these
things can be really brought out
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and I have a
Family Empowerment Program
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is seven easy steps.
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And I just wanted to go over
it for the viewers out there.
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I love it. Let's do it.
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So the first step really
is just a family call out.
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You need to bring
the family together.
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The family...
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What we do is you select a date
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at least six months out
that you would like to meet.
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And again, you try...
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Not everybody's
going to be there,
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you know, there's the
beautiful part about technology
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is that not everyone
even needs to be there,
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but if we can get
together for family reunions,
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if we can get
together for funerals,
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and birthdays and Christmas,
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and all these days
that are good days.
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But, you know, we
should be able to get together
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to talk about shop.
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You know, let's talk about
empowerment of one another,
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maybe you do it
during Christmas time
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because all your family is
going to be in town anyway.
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You know, you also could
go to FreeConferenceCall.com.
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Exactly. And get...
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If you have family
members all over the country,
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you can call one
number, it's all free.
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With an access code
and everybody's on the line
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and you can get clear reception.
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So you don't
have to come together,
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it's good if you can,
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but it can't,
that can be an excuse.
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That's great, I mean,
so you call people out
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and the second
step is select a date.
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I think this is a hard
time, I think you should have
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maybe one or two
people that plan it
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because we know how
families can get sometimes,
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so many cooks in the
kitchen, too many decisions,
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everyone wants to
have this decision.
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You know, let me just back up to
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and provide a step zero.
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A step zero is we need
to have prayer in this,
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we need to really
meditate on the Word of God
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that is going to be successful
because what happens is that
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we've gotten so ingrained
into not supporting one another,
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we've gotten so
accustomed to a certain way that
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which we
interact with one another
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in order to
interact in a different way
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that's outside the
scope of what we normally,
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you know, "Ryan,
take out the trash,"
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now all of a sudden becomes,
"Ryan, help me form a business
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or Ryan, can we work together
to empower the community."
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That's a different lane. Right.
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And that's in many of
our communities is rejected,
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we reject something different,
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we're only used to seeing people
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for Thanksgiving to have a meal,
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and then we go
our separate ways.
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And then God
forbid something happens,
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it's a funeral, we
come together again.
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So we have to just pray
that we become all of us
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become open to
doing something more,
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something greater,
something different,
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something outside
of our lane of comfort
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in which we're
interacting with one another.
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And once we are able to do that,
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it's so many
blessings that I believe
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that we're leaving on the table
by just simply not engaging
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with one another in
the most effective way.
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And in this economy right now
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with so many individuals
who are unemployed...
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I mean,
employment rate is under 5%,
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but we have a lot of individuals
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who have one, two jobs.
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And our jobs that
are making way under that
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what they would like to
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or not even
looking of work anymore,
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they've dropped up the payroll.
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So this economy, we need
to start thinking differently.
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And we're leaving
things on the table
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if we're not
utilizing our families.
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So call out your family,
select a date as step two.
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Step three is
select an objective
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and an unbiased moderator.
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Someone who's probably
not even in your family
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so I was that moderator for many
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and it really cut
through a lot of the familiarity
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because by me being
there when I was like
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I couldn't be the
moderator for my family.
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And I was able to
get my family to do this
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and it was tough.
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We had a lot of
individuals who were saying,
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"I don't know, I
don't wanna do it?
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Why are we doing this?"
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So I had to step out
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and we had to get
someone to come in
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and say, "You know
what, this person's job
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is to help
moderate the discussion."
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And it's going to
be a real discussion
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this is not going to be a
time for us to play games,
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or talk, or be distracted.
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The purpose of this is to
have a very tangible meeting
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with family to talk
about real life issues
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that our family
is going through.
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And when I lead the discussions
for the other family members
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because I was not
familiar with them,
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I mean, they
didn't know me from Adam,
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but other individual say,
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"You know, we know
this guy, we trust him."
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And so I would help
moderate the discussion,
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we would ask various questions,
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what we'll talk
about in a second,
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in a flow with
just that much smoother.
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So the fourth step
is give the meeting
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a professional structure, right?
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I mean, there should be someone
taking minutes of the meeting,
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there should be a moderator
giving rules of engagement
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at the meeting,
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they should be thinking about...
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Like think about a board meeting
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that you've attended previously,
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and how that
meeting was to actually run.
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You know, you've
been in board meetings
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where, you know,
if you're talking,
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we have points of
order, and we have discussions,
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and we really bring up things
in a very professional way.
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And there's not too many people,
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there's not more
than one person talking
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at any one time.
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When that person has the
floor, you know, a point,
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you know, cousin John
to be the sergeant-at-arms
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because he's a big guy
and if anybody starts talking,
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you know, he
keeps things in order.
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So the fifth thing is
we've got to start out...
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Now this is important
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we have to ask
the right questions.
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When we start asking questions,
the questions are, right,
00:08:51.43\00:08:54.73
who in here needs a job?
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And you look at the hands raised
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and then you give each
an opportunity to respond.
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"Okay, you need a job,
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what sort of job
are you looking for?
00:09:06.74\00:09:09.44
What sort of job, you know..."
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And that's each
person response to that
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so you ask the questions.
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Step six is you let them
respond to the questions.
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"Okay, I need a job
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and I'm looking for
a job as a janitor."
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Or, "I'm looking
for a job as a teacher.
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I'm looking for a job as..."
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Whatever it is.
00:09:27.30\00:09:28.63
And then the second question is,
00:09:28.66\00:09:30.77
"Who in here has a connection
00:09:30.80\00:09:33.77
that can help
this person find a job
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in that location, in that area?"
00:09:36.14\00:09:38.94
And it becomes tangible.
00:09:38.97\00:09:41.21
Again, I know see, I can
fill in the spirit right now
00:09:41.24\00:09:44.25
that there are
people out there saying,
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"That's never gonna
work in my family," right?
00:09:45.65\00:09:47.92
"That's never
gonna work in my family,
00:09:47.95\00:09:49.28
it can never work."
00:09:49.32\00:09:50.69
Well, guess what,
you're right, okay?
00:09:50.72\00:09:52.05
Because you've already
thought it's not going to work.
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We've got to change our
spirit, we've got to change
00:09:53.86\00:09:55.62
how we think and
feel about family.
00:09:55.66\00:09:57.33
That I can promise you,
there are families doing
00:09:57.36\00:09:59.09
something similar to this.
00:09:59.13\00:10:00.60
And it is successful,
00:10:00.63\00:10:01.93
it just didn't
work in your family
00:10:01.96\00:10:03.33
because you haven't believed
it's going to happen yet.
00:10:03.37\00:10:04.87
But through Christ,
all things are possible.
00:10:04.90\00:10:06.47
So we have to just get that
00:10:06.50\00:10:07.84
negative spirit out of ourselves
00:10:07.87\00:10:11.07
and just to think it
will happen, it can work.
00:10:11.11\00:10:14.31
And so as we're
answering these questions who...
00:10:14.34\00:10:18.25
Another question which I ask is,
00:10:18.28\00:10:20.38
"What's...
00:10:20.42\00:10:21.75
Youth in here are
under the age of 18
00:10:21.78\00:10:25.02
that want to go to school
00:10:25.05\00:10:26.42
that need to
have a scholarship."
00:10:26.45\00:10:28.02
That we can
assist to pay for school.
00:10:28.06\00:10:30.29
You know, we have a
student that's 15, 16 years old,
00:10:30.33\00:10:34.23
but they don't know
how to going go to school
00:10:34.30\00:10:35.86
so maybe we can
start pulling funds
00:10:35.90\00:10:37.80
and putting money into five
to nine college savings plans.
00:10:37.83\00:10:41.54
They might not
have a scholarship.
00:10:41.57\00:10:43.00
We had started
learning how to create
00:10:43.04\00:10:44.37
our own scholarships.
00:10:44.41\00:10:45.74
And we can do
that with family funds,
00:10:45.77\00:10:47.41
I mean, maybe one
individual who isn't...
00:10:47.44\00:10:50.28
they might not know
that this elderly individual
00:10:50.31\00:10:52.75
who wants to bequeath
some of her possessions
00:10:52.78\00:10:55.75
on to the next generation.
00:10:55.78\00:10:57.69
"You know what, I can donate
00:10:57.72\00:10:59.72
in some of my estate
for educational expenses."
00:10:59.75\00:11:03.09
And they can do that
according to a state rules
00:11:03.12\00:11:05.66
and it doesn't have to go
account towards their gifts.
00:11:05.69\00:11:08.80
For education
and medical expenses,
00:11:08.83\00:11:11.53
they can give to
the next generation.
00:11:11.57\00:11:13.03
So we definitely
have to start doing that.
00:11:13.07\00:11:15.34
Next question is,
"Who has a business?"
00:11:15.37\00:11:18.24
And hands are raised
00:11:18.27\00:11:21.04
and then we have
to follow up with it.
00:11:21.08\00:11:22.41
There is a step six follow up.
00:11:22.44\00:11:24.25
How can we
support your business?
00:11:24.28\00:11:26.88
You know, there was a family
that we were working with,
00:11:26.92\00:11:31.05
and in this family
there was one woman
00:11:31.09\00:11:32.99
who was going
through foreclosure,
00:11:33.02\00:11:36.29
and she had sold
products in her spare time
00:11:36.32\00:11:40.16
and she was going
through foreclosure,
00:11:40.20\00:11:42.76
she had lost her job,
didn't have any income,
00:11:42.80\00:11:45.63
but when pulled
the family together,
00:11:45.67\00:11:48.20
we were able to ask
the various questions,
00:11:48.24\00:11:50.67
and I was
moderating the discussion.
00:11:50.74\00:11:52.94
You know, we
asked all the questions,
00:11:52.97\00:11:54.38
who had any children
going that want scholarship,
00:11:54.41\00:11:56.51
actually there was one
child that we helped them out.
00:11:56.54\00:11:59.71
And we got to the question
of who's going to foreclose.
00:11:59.75\00:12:03.05
She said, "Well, I am."
00:12:03.08\00:12:05.05
I said, "Well, you
have your own business."
00:12:05.09\00:12:08.19
And we are taking her
products, and I knew that
00:12:08.22\00:12:11.49
there were other
members of family
00:12:11.53\00:12:12.93
who were teachers.
00:12:12.96\00:12:14.46
So one particular
member of the family,
00:12:14.46\00:12:15.90
she connected with the teacher
00:12:15.93\00:12:18.10
and sold her products
in the teacher's lounge.
00:12:18.13\00:12:21.14
And that gave her...
00:12:21.17\00:12:23.24
In not only that
teacher's lounge,
00:12:23.27\00:12:25.14
but other teachers and
they started to get excited
00:12:25.17\00:12:29.08
because she was
selling her wears.
00:12:29.11\00:12:30.81
And she said, "Wow, you
know, this is really good."
00:12:30.85\00:12:33.88
And she was able to
go to other schools.
00:12:33.92\00:12:36.85
And, I mean, it
did a good job. Yeah.
00:12:36.89\00:12:39.85
I mean, I'm not saying it made
her millionaire or anything,
00:12:39.89\00:12:42.49
but it made enough
00:12:42.52\00:12:43.89
where she was
able to pay her bills.
00:12:43.93\00:12:45.49
She paid a
mortgage and got up to date.
00:12:45.53\00:12:46.96
And that family
support, that's what it took.
00:12:47.00\00:12:50.50
Yeah, exactly.
That's what it took...
00:12:50.53\00:12:51.87
Family support
and coming together.
00:12:51.90\00:12:53.47
And, you know, one of
the things I love about
00:12:53.50\00:12:55.70
what you do, Ryan, is that
you look at the big picture.
00:12:55.74\00:12:59.27
God has given you the ability
to look at the big picture.
00:12:59.31\00:13:02.11
How can we...
00:13:02.14\00:13:03.48
What can we do to
support ourselves,
00:13:03.55\00:13:07.52
our families, the
unemployed all that?
00:13:07.55\00:13:10.52
How can we support them?
00:13:10.59\00:13:12.25
And that's one that I love that.
00:13:12.29\00:13:13.96
I love that. Right.
00:13:13.99\00:13:15.32
Well, we all have
skills and talents
00:13:15.36\00:13:17.26
and in the process of
using our skills and talents,
00:13:17.33\00:13:19.79
these skills and talents
were not meant to be internal.
00:13:19.83\00:13:24.23
They're meant to be shared
00:13:24.27\00:13:25.83
and they're meant to
be used to empower others.
00:13:25.87\00:13:29.30
So, you know, the
step six is a follow-up
00:13:29.34\00:13:31.11
and then step seven
is to select a nonprofit
00:13:31.14\00:13:37.65
in your community as a
family that you want to support.
00:13:37.68\00:13:41.68
And you're talking about
big picture, this is huge
00:13:41.72\00:13:44.39
because there's so much need
00:13:44.42\00:13:46.96
and there are many
nonprofits in our communities
00:13:47.02\00:13:48.52
that are doing good work,
00:13:48.56\00:13:49.99
but they don't have
the manpower to continue
00:13:50.03\00:13:52.19
or they don't have
the money to continue.
00:13:52.23\00:13:54.63
You know, Dare to
Dream, great ministry,
00:13:54.66\00:13:57.20
they can always
use additional support.
00:13:57.23\00:13:59.67
People like the programs,
00:13:59.70\00:14:01.10
but can you go on your checkbook
00:14:01.14\00:14:02.87
and make a donation, right?
00:14:02.90\00:14:05.74
This is what, I
mean, the work continues
00:14:05.77\00:14:08.34
because of Christ,
00:14:08.38\00:14:09.71
and Christ
allows it to continue.
00:14:09.74\00:14:12.18
But Christ is also
blessed others that I feel
00:14:12.21\00:14:14.85
that we're not really
using Christ blessings
00:14:14.88\00:14:17.22
in the most effective way,
00:14:17.29\00:14:20.09
utilizing the gifts
that we have in each other
00:14:20.16\00:14:23.43
so they turn around
and bless other people.
00:14:23.46\00:14:25.93
And that's what the
Family Empowerment Program
00:14:25.96\00:14:28.23
can do, it really
brings people together,
00:14:28.26\00:14:31.40
and, you know, I mean,
00:14:31.43\00:14:32.87
how awesome would it be to
have a family come together,
00:14:32.90\00:14:37.51
and, you know...
00:14:37.57\00:14:38.91
Let's just say,
when I say family,
00:14:38.94\00:14:40.28
I'm not talking about
just your husband and wife,
00:14:40.31\00:14:42.78
I'm talking about
extended family too,
00:14:42.81\00:14:44.35
I am talking about your cousins,
00:14:44.38\00:14:45.71
and your
cousins', cousins, cousins,
00:14:45.75\00:14:47.08
and the older,
00:14:47.12\00:14:48.45
and then maybe a
couple of close friends
00:14:48.48\00:14:50.45
that are a really close family
00:14:50.49\00:14:51.82
that are always over
your house all the time.
00:14:51.85\00:14:53.32
So really try to
amass a lot of people,
00:14:53.36\00:14:55.86
how awesome would it
be to have once a year,
00:14:55.89\00:14:58.09
and this family meeting
00:14:58.13\00:14:59.46
should happen at
least once a year.
00:14:59.49\00:15:01.86
How awesome would it
be for all that family
00:15:01.90\00:15:04.00
to go down to the local
Salvation Army or something
00:15:04.07\00:15:08.27
and being the food pantry
00:15:08.30\00:15:10.81
and serving food
and giving together?
00:15:10.84\00:15:13.61
And doing it as a family,
00:15:13.68\00:15:15.01
you are not just
doing it individually,
00:15:15.04\00:15:16.38
you know,
there's many individuals
00:15:16.41\00:15:17.75
within the family
and some people say,
00:15:17.78\00:15:19.11
"Why do it? Well,
does your family do it?"
00:15:19.15\00:15:20.92
The point is do it as a family.
00:15:20.95\00:15:23.89
And if you start
bridging the bonds,
00:15:23.92\00:15:26.09
maybe that's the reason why
many individuals believe that
00:15:26.12\00:15:28.36
this family can't work
'cause I have run into it,
00:15:28.39\00:15:30.93
what I found out is
that people feel that
00:15:30.96\00:15:32.96
this cannot work
because the connection
00:15:32.99\00:15:36.33
and the bond amongst the
family has been weakened.
00:15:36.36\00:15:40.00
And our families
and our communities
00:15:40.04\00:15:42.27
just don't interact
with each other anymore.
00:15:42.30\00:15:45.14
And there's that
this lack of interaction
00:15:45.17\00:15:47.14
is really
stealing away the blessings
00:15:47.18\00:15:49.31
that God has
within us as a family.
00:15:49.34\00:15:52.15
He created us as
families for a reason
00:15:52.18\00:15:54.98
that we can have
the support network.
00:15:55.02\00:15:57.35
Without their support network
00:15:57.39\00:15:59.15
and you people
coming home from prison,
00:15:59.19\00:16:00.69
"I have nowhere to go."
00:16:00.72\00:16:02.26
I mean, I can't
tell you how many guys
00:16:02.29\00:16:03.89
I've seen come home from prison,
00:16:03.96\00:16:05.59
and they just
absolutely have no where to go.
00:16:05.63\00:16:08.60
If they had that
support network around them,
00:16:08.63\00:16:11.17
maybe they might
not have went to prison
00:16:11.20\00:16:13.10
in the first place. Right.
00:16:13.13\00:16:14.57
You know, so the family, I mean,
00:16:14.60\00:16:17.91
we talk about family values,
00:16:17.94\00:16:19.67
we have to start to return
00:16:19.71\00:16:21.81
to how can we
strengthen this family
00:16:21.84\00:16:24.08
to use it for the greater good
of what God wants us all to do
00:16:24.15\00:16:27.42
'cause and it really is,
it's one of the few instances
00:16:27.45\00:16:30.39
where two plus two can
equal five in the family
00:16:30.42\00:16:33.56
because of synergy. Right.
00:16:33.59\00:16:35.09
And then we get greater, we get
supernatural power from family
00:16:35.12\00:16:39.56
where things that we
could never have done before,
00:16:39.59\00:16:41.56
but we look at it as...
00:16:41.60\00:16:43.16
I think we take it for granted
00:16:43.20\00:16:44.53
because, "Oh, it's
not really effective,"
00:16:44.57\00:16:45.97
because your bond
is just not strong.
00:16:46.00\00:16:48.60
So now I also have some
tips for unemployed individuals.
00:16:48.64\00:16:51.67
Okay.
00:16:51.71\00:16:53.04
And these tips, very basic tips,
00:16:53.07\00:16:56.11
a 11 simple tips.
00:16:56.14\00:16:57.78
And now there's a
lot of folks out there
00:16:57.81\00:16:59.18
who could be unemployed,
and these are financial tips
00:16:59.21\00:17:02.18
that kind of just
help you get through,
00:17:02.22\00:17:04.15
you know, I've
always believed that,
00:17:04.22\00:17:07.19
you know, we have to
believe, we have to have faith,
00:17:07.22\00:17:10.46
we have to have
a positive mindset
00:17:10.49\00:17:13.36
and so that will be
step zero before we even...
00:17:13.43\00:17:16.13
As we're unemployed,
we have to make sure that
00:17:16.16\00:17:19.40
we're praying up.
00:17:19.43\00:17:21.90
That we're
receiving the message from God
00:17:21.94\00:17:25.51
because maybe God wants
you in that particular position
00:17:25.54\00:17:27.84
but you have to
hear Him at that time.
00:17:27.88\00:17:31.38
And then we have a
lot of folks out here,
00:17:31.41\00:17:32.98
long term unemployed who...
00:17:33.01\00:17:35.92
Quick story of my brother,
00:17:35.95\00:17:37.59
he was just unemployed recently.
00:17:37.62\00:17:39.62
And, you know, you
looking at a family man,
00:17:39.65\00:17:42.29
he had a wife,
a child, you know.
00:17:42.32\00:17:44.79
And he was unemployed
and he was going unemployed
00:17:44.83\00:17:47.03
for maybe seven, eight months.
00:17:47.10\00:17:49.06
Wow, seven or eight months
00:17:49.10\00:17:50.63
that had to be so
hard on everybody.
00:17:50.67\00:17:52.73
Absolutely, so
we stay prayed up,
00:17:52.77\00:17:55.10
and he stayed
prayed up, but you know
00:17:55.14\00:17:57.97
what got him
through it was the Bible.
00:17:58.01\00:18:01.48
Why?
00:18:01.51\00:18:02.84
Because he stayed on the
biblical principles of saving.
00:18:02.88\00:18:05.78
He never missed a bill. He
never missed a single bill.
00:18:05.81\00:18:09.25
He had enough savings.
00:18:09.28\00:18:10.62
And even said,
he said, "Ryan..."
00:18:10.65\00:18:11.99
Because, I mean, I
helped him with his is savings.
00:18:12.02\00:18:13.59
So we...
00:18:13.62\00:18:14.96
I helped all my family out
but I didn't spend any money
00:18:14.99\00:18:18.79
but we put together budgets
00:18:18.83\00:18:20.23
and we talked
about certain things
00:18:20.26\00:18:21.63
and they go by a
budget every single week.
00:18:21.66\00:18:25.33
So they never missed a bill.
00:18:25.37\00:18:27.70
Right now, he just
got a job two weeks ago.
00:18:27.74\00:18:30.71
Praise God. Praise God.
00:18:30.74\00:18:32.34
And we were
concerned, I was concerned,
00:18:32.37\00:18:35.01
and he said he wasn't.
00:18:35.04\00:18:37.05
He wasn't
concerned at all, he said,
00:18:37.08\00:18:38.41
"I had about six
months more savings."
00:18:38.45\00:18:39.85
Wow. So, you
know, and he said...
00:18:39.88\00:18:43.05
This is amazing
thing when you look at
00:18:43.08\00:18:44.92
all these
principles come into real life.
00:18:44.95\00:18:47.79
So, I mean, you know, God works.
00:18:47.82\00:18:50.23
He works.
00:18:50.26\00:18:51.59
In instance, in all
instances, God works.
00:18:51.63\00:18:54.63
He used these principles
00:18:54.66\00:18:57.13
and again, he got six
months more of savings.
00:18:57.17\00:18:59.03
So I have 11 tips that
00:18:59.07\00:19:02.27
I think my
brother actually used.
00:19:02.30\00:19:06.27
But he didn't per
se used these tips,
00:19:06.31\00:19:08.64
but he did have...
00:19:08.68\00:19:11.65
A lot of these things he
did and he went out there.
00:19:11.68\00:19:14.08
So the first thing is
after he stayed prayed up,
00:19:14.15\00:19:16.92
I mean, he was on
that altar every week.
00:19:16.95\00:19:19.55
Yeah, yeah. You know...
00:19:19.59\00:19:20.92
So the first one is
get rid of foolish pride.
00:19:20.99\00:19:24.16
You know, one thing he
did, he asked his friends.
00:19:24.19\00:19:27.03
You know, a lot of individuals
when they get unemployed,
00:19:27.03\00:19:29.53
they don't want to
talk to their friends,
00:19:29.56\00:19:30.90
they don't want to talk,
00:19:30.97\00:19:32.30
they're too embarrassed,
they're too ashamed.
00:19:32.33\00:19:34.67
So he was asking, he said,
00:19:34.70\00:19:36.64
"Look, I'm out of work,
if you have any connections,
00:19:36.71\00:19:38.81
if you have any
leads, let me know.
00:19:38.84\00:19:40.51
If you know of
anything, let me know."
00:19:40.58\00:19:42.28
So a lot of individuals...
00:19:42.31\00:19:45.51
Because of that, his network,
your network is more prone
00:19:45.55\00:19:48.35
to give you a lead, a
job lead than anybody else
00:19:48.38\00:19:51.29
because they know
you, they trust you,
00:19:51.32\00:19:52.72
they love you, they
want to support you.
00:19:52.75\00:19:55.22
So by you being unemployed...
00:19:55.26\00:19:57.69
And, again, he asked
his family, you know,
00:19:57.73\00:20:00.10
and I was out there
trying to get leads for him
00:20:00.13\00:20:02.83
and see what I could
do to connect with them
00:20:02.86\00:20:04.87
and connect them to
different people that I know.
00:20:04.90\00:20:06.80
So the second
thing we have to do
00:20:06.84\00:20:09.44
is file for benefits,
you know, if we're eligible,
00:20:09.47\00:20:12.97
you know, we should be
filing for these benefits.
00:20:13.01\00:20:15.58
Especially, you have a
child, you want to make sure
00:20:15.61\00:20:18.15
you can use all you can
to continue to be active,
00:20:18.18\00:20:21.35
file for those benefits.
00:20:21.38\00:20:23.18
The second one is, if
you need to join the ranks
00:20:23.22\00:20:26.65
of the under-employed.
00:20:26.72\00:20:28.66
Now in my brother's case,
00:20:28.69\00:20:30.39
he actually had enough
savings where he could...
00:20:30.43\00:20:34.03
Again, what another tip would be
00:20:34.10\00:20:36.26
made his job
searching a full-time job,
00:20:36.30\00:20:39.03
but he had signed up to
be a substitute teacher.
00:20:39.07\00:20:43.14
So he has his master's.
00:20:43.17\00:20:45.71
And so literally,
he had already started,
00:20:45.74\00:20:47.78
he was in maybe
about three or four weeks
00:20:47.81\00:20:49.44
into going to school
as a substitute teacher.
00:20:49.48\00:20:53.01
And, you know, making
maybe $100, $200 a day,
00:20:53.05\00:20:56.38
you know,
something in that nature
00:20:56.42\00:20:57.75
but that's a little bit
more better than nothing.
00:20:57.79\00:21:00.86
Absolutely.
00:21:00.89\00:21:02.22
So that went to make
sure within household.
00:21:02.26\00:21:05.19
The second one was get cheap.
00:21:05.23\00:21:06.93
You know, every
single dollar counts,
00:21:07.00\00:21:09.56
we have to budget,
we have to be mindful
00:21:09.60\00:21:11.43
of how much we're spending.
00:21:11.47\00:21:13.00
He did that.
00:21:13.03\00:21:14.57
They really made
sure they buckle down
00:21:14.60\00:21:16.87
on the
expenditures, on the going out,
00:21:16.91\00:21:19.77
as opposed to
going out for dinner,
00:21:19.81\00:21:22.38
they stayed home for dinner,
and they cooked a lot at home,
00:21:22.41\00:21:26.11
and they had a lot
more family times at home.
00:21:26.15\00:21:28.58
When they would
host individuals,
00:21:28.62\00:21:29.95
they would do potlucks.
00:21:29.98\00:21:31.39
So other individuals
would cook and bring the foods
00:21:31.42\00:21:33.42
so they wouldn't
have to just do it.
00:21:33.46\00:21:34.79
So but they still
were able to have fun
00:21:34.82\00:21:36.73
and their friends and
everybody, they came over.
00:21:36.79\00:21:39.06
So it's almost like they
found very inexpensive way
00:21:39.09\00:21:43.70
or next of freeway
to continue to have fun.
00:21:43.73\00:21:47.47
They made job, searching a
job, he got up every single day.
00:21:47.50\00:21:50.84
And that's tip number five.
00:21:50.87\00:21:53.41
Every single day, he
will get on the computer
00:21:53.44\00:21:55.08
and just search,
send out resumes,
00:21:55.11\00:21:56.88
and this is the type
of thing you have to do
00:21:56.91\00:21:58.38
especially now the
internet is a blessing
00:21:58.41\00:22:01.42
and a curse
because at the same time,
00:22:01.45\00:22:05.02
it's easy for you
to be to get out there,
00:22:05.05\00:22:07.29
but at the same
time, everybody else
00:22:07.36\00:22:08.69
gets out there as well.
00:22:08.72\00:22:10.06
Right.
00:22:10.09\00:22:11.43
So you just have to
be diligent and just stay
00:22:11.46\00:22:14.00
and use every single
avenue, every single connection,
00:22:14.00\00:22:16.33
every single resource.
00:22:16.36\00:22:17.70
Six, stay healthy.
00:22:17.73\00:22:19.17
Being healthy
keeps your mind say,
00:22:19.20\00:22:21.44
as you know
keep your mind fresh,
00:22:21.47\00:22:23.37
keeps you going,
keeps you excited,
00:22:23.41\00:22:25.17
that's tip number six.
00:22:25.21\00:22:26.54
I mean, he still
worked out every day,
00:22:26.57\00:22:28.61
he still continued
to try to just be...
00:22:28.64\00:22:30.61
And it keeps his mind fresh,
00:22:30.65\00:22:32.58
and whenever
you're interviewing,
00:22:32.61\00:22:34.35
you don't to be
all groggy and down.
00:22:34.38\00:22:36.52
Right. Get out of it.
00:22:36.55\00:22:38.79
So he was going in
a lot of interviews
00:22:38.82\00:22:40.76
after a while of searching
so that kept him fresh.
00:22:40.82\00:22:44.53
Number seven,
don't touch a 401(k) plan
00:22:44.56\00:22:46.56
if you can't help it.
00:22:46.59\00:22:47.93
If you touch a 401(k) plan,
00:22:47.96\00:22:49.26
what happens is
that you get penalized.
00:22:49.30\00:22:50.90
Right.
00:22:50.93\00:22:52.27
And after that penalty,
00:22:52.30\00:22:54.20
you know, when you
take your money out,
00:22:54.24\00:22:55.57
again, this is
all if you can help it
00:22:55.60\00:22:56.94
because I can
definitely understand
00:22:56.97\00:22:58.31
if you are unemployed
00:22:58.34\00:23:00.51
and you've been
out for a long time,
00:23:00.58\00:23:02.71
you might have to
start tapping into it.
00:23:02.74\00:23:04.41
I mean, but use that as
a last-ditch effort like
00:23:04.45\00:23:07.85
that's not, don't
that be the first thing.
00:23:07.88\00:23:11.32
Number eight,
investing is not a priority,
00:23:11.35\00:23:14.89
you know, because
again, you're unemployed,
00:23:14.92\00:23:16.52
you don't have
any capital right now.
00:23:16.56\00:23:17.89
Right.
00:23:17.93\00:23:19.26
Any additional
money that you even have
00:23:19.29\00:23:20.83
should not be going
into stocks at this moment.
00:23:20.90\00:23:22.93
So just be real cautious
and don't liquidate your stocks
00:23:22.96\00:23:28.64
right now if you can help it.
00:23:28.67\00:23:30.27
Again, I definitely understand,
00:23:30.31\00:23:31.87
I mean, when I
started my business
00:23:31.91\00:23:34.94
and I own stock at the
time and I had to liquidate,
00:23:34.98\00:23:37.98
and that stock
essentially had to be
00:23:38.01\00:23:40.68
a huge part of
starting my business.
00:23:40.72\00:23:42.98
So, you know, but it
was a last-ditch effort,
00:23:43.02\00:23:45.79
it was when
everything else was out.
00:23:45.82\00:23:47.36
"Hey, you know
what, I need this money,
00:23:47.42\00:23:49.99
I need to put in my business
00:23:50.03\00:23:51.36
otherwise I'm not
gonna be able to pay my rent,
00:23:51.39\00:23:52.83
so we did that."
00:23:52.86\00:23:55.53
Number nine,
decide which bills to pay.
00:23:55.56\00:23:58.67
I can definitely
understand you're unemployed,
00:23:58.70\00:24:00.94
prioritize your bills.
00:24:00.97\00:24:02.77
Well, again, when I
started my business,
00:24:02.80\00:24:04.14
I was I knew that my rent
was always going to get paid.
00:24:04.21\00:24:08.48
But sometimes the light bill,
hey, I mean, I just, you know,
00:24:08.51\00:24:12.95
what am I supposed to
do, so I had to skip it out.
00:24:12.98\00:24:15.25
I had to skip out on it.
00:24:15.28\00:24:17.02
Maybe a couple of
months for the heat bill.
00:24:17.09\00:24:19.62
You know, "I
ain't got it, you know,
00:24:19.65\00:24:22.89
what am I supposed to do?"
00:24:22.92\00:24:24.26
I mean, obviously caught back up
00:24:24.33\00:24:28.20
and things turned
around, praise God,
00:24:28.23\00:24:30.13
but you had to
decide, you had to prioritize.
00:24:30.17\00:24:33.30
I knew that I had to keep
a roof over my head though.
00:24:33.34\00:24:35.10
Right.
00:24:35.14\00:24:36.47
So in those situations,
you need to prioritize
00:24:36.50\00:24:38.61
and we all go
through those tough times
00:24:38.64\00:24:40.54
and we have to make
those tough decisions.
00:24:40.58\00:24:44.51
Number ten, you
know, don't get suckered
00:24:44.55\00:24:46.98
by any financial
offers that come in.
00:24:47.02\00:24:50.35
You know, a lot of
times those fast money schemes
00:24:50.39\00:24:53.52
will become a whole lot
more attractive to you now.
00:24:53.56\00:24:56.99
You know, nothing against...
00:24:57.03\00:24:58.69
Anybody out there that is
doing multi-level marketing,
00:24:58.73\00:25:00.83
I know a lot of folks that
do a multi-level marketing,
00:25:00.86\00:25:04.17
but if it's not in your passion,
00:25:04.20\00:25:06.13
if it's not what God
ordained it for you to do,
00:25:06.17\00:25:08.17
it's not gonna be
successful, period.
00:25:08.20\00:25:10.01
And that's with any
business whether it be
00:25:10.04\00:25:11.37
a multi-level marketing or
any other business venture.
00:25:11.41\00:25:14.54
So lot of times,
if you're unemployed,
00:25:14.58\00:25:15.91
that multi-level
marketing you could like,
00:25:15.94\00:25:17.28
"Oh, wow, you know, I
can make a lot of money."
00:25:17.35\00:25:19.08
So they ask you to
invest a lot of money,
00:25:19.11\00:25:21.08
you're not passionate about
it therefore you just wasted it
00:25:21.12\00:25:23.22
and that's supposed to going
to generate or something else.
00:25:23.25\00:25:25.62
That's critical.
00:25:25.65\00:25:26.99
And then 11, just like
that step zero, have faith.
00:25:27.06\00:25:31.06
You got to stay prayed
up, we have to stay delegate,
00:25:31.09\00:25:34.10
we have to stay
working but again, faith,
00:25:34.10\00:25:37.17
if it's a mathematical equation,
00:25:37.23\00:25:39.10
half belief, half
acting on that belief,
00:25:39.13\00:25:41.24
we put those two together,
and we have a lot of faith.
00:25:41.27\00:25:44.07
And I think if
we do these things
00:25:44.11\00:25:45.71
and we keep it consistent
00:25:45.74\00:25:47.08
and involve family
in that job search,
00:25:47.14\00:25:49.41
things are going
to come together.
00:25:49.44\00:25:51.35
And I believe that
00:25:51.38\00:25:52.71
because I believe in God, right?
00:25:52.75\00:25:54.42
So and that's
what allows me to say,
00:25:54.45\00:25:56.35
it's going to happen for
you and for everybody else
00:25:56.38\00:25:59.75
that believe in Christ
00:25:59.79\00:26:01.22
it's going to
happen, you just can't quit.
00:26:01.26\00:26:04.29
If you quit, there's
no other options for you.
00:26:04.36\00:26:05.89
And during that time,
God can be working on you.
00:26:05.93\00:26:09.56
He can be helping
to define your purpose
00:26:09.60\00:26:12.97
or to shed a
light on your purpose,
00:26:13.00\00:26:16.04
so it's all part of the
plan just hold on to the Lord.
00:26:16.07\00:26:19.64
Absolutely.
00:26:19.67\00:26:21.01
Well, speaking of holding on,
00:26:21.04\00:26:22.38
we got to hold
on to your takeaway.
00:26:22.41\00:26:23.75
All right, absolutely.
I look forward to it.
00:26:23.78\00:26:25.11
All right, good.
00:26:25.15\00:26:26.48
True empowerment
doesn't come from government.
00:26:31.52\00:26:33.46
It comes from Jesus Christ.
00:26:33.49\00:26:34.92
And we must invite
Him in each one of us,
00:26:34.96\00:26:37.23
not to say
government doesn't have a role,
00:26:37.26\00:26:38.89
it certainly does.
00:26:38.93\00:26:40.60
However, the strongest
role for economic recovery
00:26:40.63\00:26:43.53
comes within the
household across the country
00:26:43.57\00:26:45.93
is that the each
one of us to determine
00:26:45.97\00:26:47.70
how to use our
skills, maximize our talents,
00:26:47.74\00:26:50.41
and fully
recognize and implement
00:26:50.47\00:26:51.84
the resources in our communities
00:26:51.87\00:26:53.54
to move ourselves
forward economically.
00:26:53.58\00:26:55.68
One of the most precious
00:26:55.71\00:26:57.05
and unutilized
resources is the family,
00:26:57.11\00:26:59.41
those people who'd
together cry at funerals,
00:26:59.45\00:27:01.65
rejoice at
weddings, celebrate birthdays,
00:27:01.68\00:27:04.22
step themselves at holidays,
and reminisce at reunions.
00:27:04.25\00:27:07.62
The family for many
is a place to find solace
00:27:07.69\00:27:09.92
from the tough
economic challenges of society.
00:27:09.96\00:27:12.83
After going
through stressful times,
00:27:12.86\00:27:14.50
there is nothing better for me
00:27:14.56\00:27:15.86
than it take a trip
back to my hometown,
00:27:15.90\00:27:17.90
Detroit, Michigan
where all are familiar.
00:27:17.93\00:27:20.34
However, if we only look
at the family for shelter,
00:27:20.37\00:27:23.27
we're missing the mark.
00:27:23.30\00:27:24.67
This familiarity has with
it enormous economic potential
00:27:24.71\00:27:27.78
in the world where love, trust,
dedication towards one another,
00:27:27.81\00:27:31.61
and sensitivity can be void,
00:27:31.65\00:27:33.62
these traits are more likely
to be found in your own family.
00:27:33.65\00:27:36.62
However, we must
maximize its potential
00:27:36.69\00:27:39.25
and take full advantage of
the Family Empowerment Program.
00:27:39.29\00:27:42.19
We at Dollars and
Sense want to know
00:27:42.22\00:27:43.56
if you've tried this program,
00:27:43.63\00:27:44.96
we want to hear
about your results.
00:27:44.99\00:27:46.43
If you have any
questions email me
00:27:46.46\00:27:47.83
at dollarsandsense@3abn.org
and chat with us
00:27:47.86\00:27:51.03
on our Dare to Dream
Network Facebook page.
00:27:51.07\00:27:53.13
As always, be the change.
00:27:53.17\00:27:55.07
Remember the purpose of
life is a life full of purpose.
00:27:55.10\00:27:58.31
Be blessed.
00:27:58.34\00:27:59.81