Are you finding
yourself economically stuck
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and unable to move forward?
Well, stay tuned to find out
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just what's holding you
back and what you can do
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to take it to another
level. My name is Yvonne Lewis
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and you're watching Urban Report
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Hello, and
welcome to Urban Report
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The 2010 Census
Bureau show that the median
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Black Household
made 59.8% as much as the
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median White Household...
40% of Black Students fail to
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graduate High School on time and
27.4% of Blacks live in poverty
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compared to the
overall poverty rate of 15%.
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My guest today is Ryan Mark
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President of Optimum
Capital Management, LLC.
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He's no stranger to television,
he's a frequent contributor
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to CNN and CNBC...
he co-authored a book
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with Kevin Powell entitled
"The Black Male Handbook"
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he's been featured
in Black Enterprise,
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African American Family,
The Source and NV Magazine
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he contributes regularly
to The Huffington Post. com
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The Network Journal,
Fortune, and Black Enterprise
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and he has
received the Top Forty
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Under-Forty Achievement
Award from the Network Journal.
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He also received Tom Joyner's
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"Hardest Working
Financial Advisor Award"
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because of his efforts to
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empower the Community
with the crucial life skills
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of financial literacy.
Ryan Mark... welcome to
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Urban Report...
How are you doing?
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thanks for having
me... Great... it's so great
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to have you here...
Thanks for the good work
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you're doing out there in
Illinois... please keep it up...
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Well, praise the Lord,
we're thankful to be here...
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So, Ryan... those, those,
statistics are so dismal...
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like what's going on... with
the African-American Community?
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What is your
diagnosis of what's going on...
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I really feel... and
we just completed our tour
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of 14 cities
recently... called the
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"Less talk and more
action Empowerment Tour"
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and my book,
"Living in the Village"
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was the curriculum that we're
using and it was based upon
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the "Less Talk...
More Action" was based upon
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1 John 3:18 it talks about
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"Our love must not be a
thing of words and fine talk...
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it must be a thing of
action and sincerity... "
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and when we're talking
about what you do to love your
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community... it really
exemplifies your actions
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in that Community to
empower and I do feel that
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there is a lack of
exemplified love through action
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that we need to
take... if we just walk down
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the inner city
neighborhood of our Communities
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you'll see Check Cashing Places,
you'll see Re-participation
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Loans and Rapid Refund Places...
you'll see the Rent-a-Centers
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all of these Organizations are
built... based upon what they
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perceive to be an opportunity
to basically profit off of
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what we don't
know... profit off the fact
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that individuals don't
know that they can open up
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a bank account... or
go to smarterchoice. org
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and get a bank account in the
Credit Union and don't have to
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pay 5% of their check
just to cash your check...
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they can get electronic deposit,
and if they wait another 8 days
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they can get their tax return
without paying 200% or 300%
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interest rate... They
can do.. what my mother did
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watched that black and
white television with the little
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pliers on it... until she could
really afford to get a regular
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television... and not go
to a Rent-a-Center that is
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essentially capitalizing off our
need for instant gratification
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and charging 40-50 bucks a
week and essentially paying
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several thousand
dollars for a $2,000 television
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that you don't even
need... these are things that
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Organizations that
are capitalizing off of
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to be quite
candid... our ignorance
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and there is nothing
wrong with being ignorant
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there are a lot of
things that I don't know
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and a lot of
things that you don't know
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but there is something
wrong with staying ignorant
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Yes...... and
for those things that
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we are ignorant
about we have to make sure
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that we can try to fix those
things and that's what we try
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to do every single day
trying to fix this ignorance
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in our Communities
about Financial Literacy
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You know Ryan... you made some
really, really important points
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and I think at the crux of it...
is our reluctance to differ
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gratification... you know...
we want... what we want...
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when we want it... as
opposed to being willing to
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wait a bit... and
save the money it's like...
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it is so true that you can
drive by... you see a bunch of
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check cashing
places... you see Rent-a-Centers
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I remember... I know several
people who used a Rent-a-Center
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to buy... to get
Washing Machines... to get...
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and they're paying 3 and
4 times what they would pay
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if they just waited
a bit... you know...
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And again... it says... "A faith
that hath not works is dead"
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I mean... we can have faith...
and this is a Christian Network
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and let's be real here, you
know when you talk about faith
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you know... and I'm a saved
Christian and Jesus is my Savior
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but... you know when
Jesus cured the blind man...
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He said to him... walk
two miles to the riverside
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and you'll be able to
see... well, sometimes God gives
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an instruction... to
justify the blessing...
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and what we have to do
is... what sort of evidence
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that we have...
that we're walking
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and essentially...
when we are not walking
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and essentially allowing
individuals to capitalize
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and say... "Let us
help them buy a home... "
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with a 500 FICO score...
and no money in the Bank
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well, you're not
ready to buy the home yet...
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you haven't been
walking yet... Come on...
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...I'm a firm believer
that you can... that new home
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that you want...
you have it already...
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you just have to work towards
it that new house you want
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that new job...
whatever you want to get
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you already have...
you just have to walk
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and do the things that are
necessary to plan and be prudent
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you know, "A patient man
has good understanding"...
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it tells in Proverbs... you
just have to be prudent enough
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and patient enough to
not only just not wait...
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because sometimes
we are waiting on God
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but actually God
is waiting on you...
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to make the right
decisions to put things in place
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to get the things that you
need. Absolutely, see we can
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this Network is Dare to
Dream right... we can dream...
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but without a
plan... it's just a dream...
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Right... right...
so it makes no sense...
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to have a dream and then say,
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"OK Lord, please bless
me because I want this... "
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No... God has given you
certain gifts... certain talents
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take what's in your hand
and use that.. and devise a plan
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and that's one of the
thing that you've done
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which I'm so
impressed by your website...
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by your African-American
empowerment document
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that you have on the website...
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I plan to... I've downloaded it
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but I'm going to print it out...
I want to do the things myself
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that are in there...
because... as you said...
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ignorance is a part
of this whole thing...
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there are things
that we don't know...
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now... it's nothing
wrong with not knowing...
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unless you choose... to not know
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Right... willful ignorance,
that's one of the biggest
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epidemics of our Community
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and in sense of
what we have to do...
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you know... we do a lot of work
with gang members out here...
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actually... one gang
member that we've done work with
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wrote a chapter
of my recent book
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"Living in the Village"
and the recent I wrote the book
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was because not only
the educated individuals
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but to show that there are
common, ordinary individuals
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out here who do
things every single day
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to use economic
empowerment financial literacy
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to overcome
adversity, you know...
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adversity is inevitable
but your response is an option
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so, what we have to understand
is that we can choose to be
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impacted or
overcome our adversities
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by just using simple things...
the first gang member that we
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worked with... at least...
one of them... Damon Jenkins...
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he came to us with
$300 in his pocket...
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just came out of
Rikers Island and he sat down
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and we were in a meeting
with some Bloods and Crips
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and we were trying to
get them to figure out ways
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to have them not
have as much crime...
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or use crime as an option,
but as opposed to judging them
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giving them
other alternatives...
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I met with Damon...
the next morning and
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long story short we took
that $300 and nine months later
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after going to inkitnow. com,
and enrolling in the GED Program
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and enrolling in
certification programs...
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most of these
programs were free of charge
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that we already knew
of within our Communities,
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and nine months later
he had ten employees and
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Project Managers
that he was hiring...
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and many of them were
other Bloods that he was using
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to get them jobs...
within his own Company
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because he used his
will to get the education and
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we assisted him in
that... and that's why
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it really does take a village...
and then from the end of that
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it came that he feels that he
doesn't have to commit a crime
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because... he now
knows of alternative ways
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to sustain himself... now,
I'm not sitting here saying
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he's not going to be there today
but I am saying that he makes
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enough money to keep
a roof over his head,
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to keep clothes on his
back, and have other Bloods...
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give them opportunities
so they don't feel they
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they have to rob and steal...
the best way to fix crime
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is to give somebody a
job and to educate them
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how to use their money...
Yeah... and you know what Ryan
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again... such great
points... because, number one,
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many people assume...
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that because some people
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have had a criminal background,
they don't want to work
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there's nothing
further from the truth...
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they want to work,
but they're locked out
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so what you're doing...
because of the felony...
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so what you're doing
is... you are helping these guys
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to know that there are options
that they don't have to stay
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locked out but
they have to be...
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they have to be creative
they have to be entrepreneurial,
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you know, and they
have to make choices
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that are going to make a
difference and it's amazing
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that you sat down
with Bloods and Crips
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and you're showing them
this... they don't have to
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to continue with crime...
they can have... other options
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and that is tremendous...
the beautiful part about it is
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that, you know, we...
I'm an entrepreneur...
00:10:02.46\00:10:05.07
I love starting
businesses, and, you know,
00:10:05.10\00:10:07.30
what an entrepreneur
does... and people say,
00:10:07.34\00:10:09.46
"Well, Ryan... now is not the
time to start your businesses"
00:10:09.50\00:10:11.93
is why we travel
all across the Country
00:10:11.96\00:10:14.06
we speak at
Churches, we speak in Prisons,
00:10:14.09\00:10:16.15
we speak at...
all across the Country
00:10:16.18\00:10:17.82
teaching individuals
about financial literacy,
00:10:17.86\00:10:19.50
starting businesses, and,
you know, when I started my
00:10:19.54\00:10:22.71
financial planning company
00:10:22.74\00:10:24.36
I started... because
there was a problem...
00:10:24.39\00:10:26.01
of individuals in our
Community who did not manage
00:10:26.05\00:10:28.67
their money correctly, so
how can I fix that problem
00:10:28.70\00:10:31.28
but also keep food on my
table at the same time...
00:10:31.32\00:10:33.55
that was the first problem,
and there was another problem
00:10:33.59\00:10:36.00
that many individuals...
weren't able to afford to pay
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for our services... so
we went out and formed a
00:10:38.63\00:10:40.59
501c free so we can
get the Government to pay
00:10:40.63\00:10:43.07
for our services...
and another problem was
00:10:43.11\00:10:45.28
people coming home from
Prison weren't able to get jobs
00:10:45.32\00:10:47.61
well... we had a lot of
connections with different
00:10:47.64\00:10:49.82
developers in our local
Community and had resources
00:10:49.86\00:10:52.00
and so we formed a
Development Company...
00:10:52.04\00:10:53.17
and through that
Development Company...
00:10:53.20\00:10:54.85
sitting on the Board of
Organizations like Re-Build
00:10:54.88\00:10:57.33
we've helped
over 2,000 individuals
00:10:57.37\00:10:59.66
come out of Prison find jobs
00:10:59.69\00:11:01.37
and get over 60% of
them... have kept those jobs
00:11:01.41\00:11:05.79
for at least six months or
more so, if this is just through
00:11:05.82\00:11:09.85
businesses that we formed...
in order to assist problems in
00:11:09.88\00:11:12.33
our Community... and again...
over half of the S and P 500
00:11:12.37\00:11:15.32
were formed during
hard economic times...
00:11:15.35\00:11:17.99
just like you see.. right now...
so, essentially, it's a crime
00:11:18.03\00:11:21.39
to sit back and say that
"I'm not going to let this idea
00:11:21.42\00:11:24.46
come out of my head
and come into fruition
00:11:24.50\00:11:26.28
because... on the
other side of your hard work
00:11:26.32\00:11:28.07
your blood, your
sweat and your tears...
00:11:28.10\00:11:29.48
there is somebody
waiting on you to bless them
00:11:29.51\00:11:31.75
with that idea... so
the epitomy of selfishness
00:11:31.78\00:11:34.29
is really quitting... so
you're not quitting on... you
00:11:34.32\00:11:37.14
you're quitting on all
those people that are supposed
00:11:37.17\00:11:39.47
to benefit from those grand
ideas that you have inside...
00:11:39.51\00:11:41.78
and so... this is why... we
have to unlock our potential
00:11:41.81\00:11:44.05
take the top off our thinking...
00:11:44.09\00:11:45.76
and get prepared to bless some
people around this hard economy.
00:11:45.80\00:11:48.44
That's tremendous...
that is just tremendous!
00:11:48.47\00:11:52.57
I mean, wow, the
fact that... that again...
00:11:52.60\00:11:56.63
you're giving options...
you're sharing resources
00:11:56.67\00:12:00.25
see... I think one of
the things that happens is
00:12:00.28\00:12:03.03
we don't
know... what's available
00:12:03.06\00:12:05.55
we don't know... what
resources are available
00:12:05.58\00:12:09.16
and connecting with those
resources... that's key and so
00:12:09.19\00:12:13.51
with your Organization...
I know that you write...
00:12:13.54\00:12:18.10
I know that you're a
contributor to CNN...
00:12:18.13\00:12:22.52
what other things are
you doing to connect with
00:12:22.55\00:12:26.28
inner city residents?
Well, what we like to do...
00:12:26.31\00:12:30.01
a lot of times...
people ask me to speak...
00:12:30.04\00:12:31.98
I just did a Workshop
with Demal Brian's Church in
00:12:32.01\00:12:34.86
Palmer Temple... did
a speech down there...
00:12:34.89\00:12:37.15
speaking is great but...
00:12:37.19\00:12:39.43
I really feel that it's time
00:12:39.47\00:12:41.64
for us to start cleaning
together... really talking shop
00:12:41.68\00:12:43.72
so what I normally do
with Organizations that call me
00:12:43.75\00:12:46.82
out to do a keynote
speech... you know...
00:12:46.85\00:12:49.28
not really a whole lot
you can do in 20 minutes
00:12:49.31\00:12:51.15
besides getting
people to stand up
00:12:51.18\00:12:52.63
but it is inspirational it's
great. But it's time for us to
00:12:52.67\00:12:55.50
take it to another level...
it's time for us to take a step
00:12:55.53\00:12:57.69
forward and, you know,
to figure out what we can do
00:12:57.73\00:13:00.55
to collaborate...
right now, we have,
00:13:00.58\00:13:02.92
a group of inmates in Houston,
00:13:02.95\00:13:05.66
we talked to some
folks down in Philadelphia
00:13:05.70\00:13:08.70
as well as Chicago...
inmates training inmates
00:13:08.74\00:13:11.71
in financial
literacy using my book
00:13:11.74\00:13:13.45
"Living in the
Village" as a curriculum for an
00:13:13.49\00:13:15.75
eight-week
program... it's sustainable...
00:13:15.79\00:13:17.62
it's free... and
it sustained itself...
00:13:17.66\00:13:19.83
I go there now, I'll train them,
00:13:19.86\00:13:21.29
I leave and then the Program
continues to sustain itself...
00:13:21.32\00:13:24.32
we have Programs that
we have created across
00:13:24.35\00:13:26.00
the Country for Youth...
where we train the youth
00:13:26.04\00:13:28.67
in terms of financial literacy
and once the youth get it...
00:13:28.71\00:13:31.33
we train the educators and the
teachers in financial literacy,
00:13:31.37\00:13:34.41
they'll then work with the
Youth and then... I can leave...
00:13:34.44\00:13:37.45
I can move
myself from the equation
00:13:37.48\00:13:38.79
and now the teachers can
continue to teach the youth
00:13:38.82\00:13:41.09
in financial literacy
and economic and employment
00:13:41.13\00:13:42.59
programming... so,
I really try to do...
00:13:42.62\00:13:44.96
and we just spent a whole week
about two weeks ago in St. Lucia
00:13:45.00\00:13:48.68
there were two to
three workshops a day...
00:13:48.72\00:13:50.54
we plan on going back
there for another two months...
00:13:50.57\00:13:53.51
to really start some good
sustainable economic programming
00:13:53.54\00:13:56.38
that can have a true,
measured impact... and again...
00:13:56.41\00:13:59.70
we do a lot of speeches
and people call me all the time
00:13:59.73\00:14:02.98
and say, "Ryan, come and
speak to our Organization"
00:14:03.01\00:14:04.84
well, I say, you
know... "What are we going to do
00:14:04.88\00:14:06.94
after the speech?"
are we going to sit down,
00:14:06.97\00:14:08.97
and collaborate and bring ideas
and people together because
00:14:09.00\00:14:12.21
there are lot of hungry folks
out there... out on the streets
00:14:12.25\00:14:15.42
they need our ideas...
they don't need for us to
00:14:15.46\00:14:17.68
just continue to
rest on our laurels...
00:14:17.72\00:14:19.58
they don't need for us
to continue to say that
00:14:19.62\00:14:21.79
we need an inspiration...
without information...
00:14:21.83\00:14:24.59
it's just frustration...
so we have to get folks
00:14:24.63\00:14:27.53
to move forward and
set... that's what we're really
00:14:27.56\00:14:30.43
trying to focus on...
through our non-profit
00:14:30.46\00:14:32.82
and really trying to
create tangible program
00:14:32.85\00:14:35.18
that can have a measured
impact speaking is great...
00:14:35.21\00:14:37.58
but I'd much prefer to
do some programming and
00:14:37.62\00:14:40.16
some workshops and sit down and
we can have a measured impact
00:14:40.20\00:14:42.62
so we can see some real
testimonial results from the
00:14:42.66\00:14:45.49
people that are moving forward.
That's tremendous because
00:14:45.53\00:14:48.09
what did you say, what with...
"Inspiration without Information
00:14:48.12\00:14:52.97
is just Frustration" I
like it... I like it...
00:14:53.01\00:14:56.11
that's what I said... I
like it I'll write it down...
00:14:56.15\00:14:58.46
I love it... I love
it... because, you know what?
00:14:58.50\00:15:00.78
it is one thing to
get people to, you know,
00:15:00.82\00:15:03.17
to motivate
them... and get them in the
00:15:03.20\00:15:05.39
rah... rah thing...
but then you leave...
00:15:05.43\00:15:07.80
but if you leave
something in place...
00:15:07.83\00:15:11.28
to replicate...
what you've taught
00:15:11.32\00:15:14.70
and to then, kind of,
have it across the board
00:15:14.73\00:15:17.69
so that people can
continue to work in it...
00:15:17.72\00:15:20.64
and you have
somebody in place...
00:15:20.68\00:15:22.13
like an Organization...
in place there...
00:15:22.16\00:15:24.28
to kind of keep things going...
00:15:24.32\00:15:26.08
that's how real
change is wrought...
00:15:26.12\00:15:28.58
not by just one
speech... which is great...
00:15:28.61\00:15:31.21
but by replication and
duplication of your efforts
00:15:31.24\00:15:35.75
that's tremendous...
that's tremendous...
00:15:35.79\00:15:37.78
What got you involved
in financial literacy?
00:15:37.82\00:15:40.64
I used to be a Trader on
Wall Street for six years
00:15:40.67\00:15:44.46
and I traded biotechnology
stocks at the largest NASDAQ
00:15:44.49\00:15:48.24
trading firm in the
world, not equity markets
00:15:48.28\00:15:50.72
and had a great
time... made some good money...
00:15:50.76\00:15:53.13
but I really felt that there
was a stronger need out there
00:15:53.16\00:15:57.27
to educate my Community,
my aunt called me one day
00:15:57.30\00:16:00.42
and she said,
"Ryan, what is a stock?"
00:16:00.46\00:16:03.34
and that kind of resonated
with me because if my aunt
00:16:03.37\00:16:05.57
didn't know... what a stock
was that meant a lot my family
00:16:05.61\00:16:08.80
didn't know what stocks were...
00:16:08.84\00:16:09.93
I figured... especially
in the Black Community
00:16:09.97\00:16:12.23
that they didn't
know what investments were
00:16:12.27\00:16:14.80
I mean, we're quick
to jump in a long line...
00:16:14.83\00:16:17.29
to pay $300 for some sneakers...
but we will not pay 50 bucks
00:16:17.32\00:16:21.84
to own the Company
that makes the sneakers...
00:16:21.88\00:16:23.91
Come on... come on... come on
00:16:23.95\00:16:25.30
...so, this is the
type of thing and mentality
00:16:25.33\00:16:27.70
that I really wanted to
address and I couldn't do that
00:16:27.73\00:16:29.66
by making money
behind the keyboard...
00:16:29.70\00:16:31.01
I wanted to go to the
streets... to my Community...
00:16:31.05\00:16:33.28
I got an offer...
from a large Company
00:16:33.31\00:16:35.31
that wanted me to be a
Financial Planner with them
00:16:35.35\00:16:37.55
but they told me...
unless I only work for
00:16:37.58\00:16:39.67
high-net-worth
individuals and everybody else
00:16:39.70\00:16:41.72
was a waste of time...
and it says very clearly...
00:16:41.76\00:16:44.55
in Proverbs 3:27... Do
not withhold good from those
00:16:44.59\00:16:47.35
who deserve it for it
is in your power to act...
00:16:47.39\00:16:50.19
and I did not want to
withhold good from anyone...
00:16:50.22\00:16:52.54
including my own mother
that's not high-net worth
00:16:52.57\00:16:55.03
including most of the
individuals in my family
00:16:55.06\00:16:57.48
that are not high-net-worth...
people in the streets...
00:16:57.52\00:16:59.54
in my own
Community... where I live...
00:16:59.58\00:17:00.85
where I lay my head at night...
these individuals out here in
00:17:00.88\00:17:03.25
Brooklyn... many individuals...
most of them are not
00:17:03.28\00:17:05.77
high-net-worth... so
I'm not trying to withhold
00:17:05.81\00:17:07.78
good from them...
and good is knowledge...
00:17:07.81\00:17:09.89
good is
education... so we like to go...
00:17:09.93\00:17:11.96
and that's why I
started my own company
00:17:12.00\00:17:14.01
I'm not... I have
the power to do...
00:17:14.05\00:17:15.99
but I did feel like I
had a calling from God
00:17:16.02\00:17:18.14
to speak to a lot
of people about it
00:17:18.17\00:17:21.11
and He kind of gave me
that signal and I decided that
00:17:21.15\00:17:23.51
it was not going to be
through this Organization
00:17:23.55\00:17:25.10
that was telling me
that I could only work for
00:17:25.13\00:17:26.65
high net-work...
it wasn't going to be
00:17:26.68\00:17:27.96
through Wall Street... it
was through learning how to
00:17:27.99\00:17:30.39
create my own
mechanism... my own business...
00:17:30.43\00:17:32.74
through His will...
and learn how to get this
00:17:32.77\00:17:35.04
message out in a
way... and He sustained me
00:17:35.07\00:17:37.27
through the whole thing...
He taught me that, you know,
00:17:37.30\00:17:39.20
sometimes... you just
got to accept the fact
00:17:39.23\00:17:41.04
that your ship is
not going to come in
00:17:41.08\00:17:42.90
but you can learn
how to swim out to it...
00:17:42.94\00:17:44.69
and when you learn how to
swim it's a beautiful thing
00:17:44.72\00:17:47.27
swim with Jesus...
Amen.. that is so... so... true.
00:17:47.31\00:17:51.24
How long have
you been a Christian?
00:17:51.28\00:17:53.57
I've been a
Christian all my life...
00:17:53.60\00:17:55.82
but I would say... I was
saved in February of 1995
00:17:55.86\00:18:03.01
it was the winter time
and God revealed Himself to me
00:18:03.05\00:18:08.04
I was walking
home from School and...
00:18:08.07\00:18:11.43
from Michigan...
it was a big hill...
00:18:11.47\00:18:13.92
at the bottom of this
hill was a big patch of ice...
00:18:13.96\00:18:16.90
to make the long story
short, I almost slipped
00:18:16.94\00:18:18.97
on this patch of ice and
something inside of me said,
00:18:19.01\00:18:22.59
"Ryan," it's
negative 20 degrees outside
00:18:22.63\00:18:24.68
"Ryan, you have to put
something on this patch of ice"
00:18:24.71\00:18:28.17
and I started
arguing with God at the time
00:18:28.21\00:18:29.78
that I'm not trying
to clean this ice up...
00:18:29.81\00:18:31.73
it's too cold out here... I'm
a quarter mile away from home
00:18:31.77\00:18:34.10
I'm trying to go home...
so I walked back home and
00:18:34.13\00:18:35.82
the closer I got
home... to the dorm room
00:18:35.86\00:18:38.48
where I was living...
the stronger the voice got...
00:18:38.51\00:18:40.89
so by the time I got there...
I said... you know what...
00:18:40.93\00:18:43.14
forget it... I
don't have any salt...
00:18:43.17\00:18:45.59
I opened up the door...
there's a big bag of salt...
00:18:45.63\00:18:47.81
all in the lobby
where I lived to this day
00:18:47.84\00:18:50.79
there's never been bag of salt
either after that or before that
00:18:50.83\00:18:54.75
for the four years
that I was in Michigan
00:18:54.79\00:18:56.26
there was a pair of scissors
located right there on the desk
00:18:56.29\00:19:00.11
for me to take the
scissors up, so I said,
00:19:00.14\00:19:02.45
"OK... let me just
go ahead and use it... "
00:19:02.49\00:19:04.73
so I took it... cut open
the bag and I walked outside
00:19:04.77\00:19:08.28
and as soon as I
stepped foot on the ground
00:19:08.32\00:19:10.95
there was a cartoon.. I
tell you if you're an atheist
00:19:10.99\00:19:13.27
you're not going
to believe this story
00:19:13.30\00:19:15.38
it was a
cartoon... the cloud opened...
00:19:15.42\00:19:17.43
and the temperature got so hot
that I had to unzip my jacket...
00:19:17.47\00:19:20.70
it was negative 20
before... wind chill factor...
00:19:20.74\00:19:23.21
and it was so hot...
that I'd unzipped my jacket
00:19:23.24\00:19:25.68
and I walked back
to put salt on the ice
00:19:25.71\00:19:28.16
I put salt on the
ice and I walked back
00:19:28.19\00:19:30.57
and I was thinking...
wow... it's really hot...
00:19:30.61\00:19:32.26
I'm almost sweaty... because
I had this big, fat jacket on
00:19:32.29\00:19:35.22
and I couldn't take it
off... because I was holding
00:19:35.25\00:19:36.73
the bag of salt
and I said, "Wow!
00:19:36.76\00:19:39.00
I'm going to play basketball"
I want to do something...
00:19:39.04\00:19:41.77
I want to play ball... you
know, this is Indian summer,
00:19:41.81\00:19:44.51
you know, I'm excited now...
the temperature just changed
00:19:44.54\00:19:47.16
and by the time I got back home
the ten seconds that it took me
00:19:47.20\00:19:50.83
to put the bag of salt
down and go to my room...
00:19:50.86\00:19:52.86
the temperature had gotten back
to negative 20 wind chill again,
00:19:52.90\00:19:56.57
when I looked out
the window and then...
00:19:56.61\00:19:58.78
my roommate came in
00:19:58.82\00:20:00.22
and I was saying... all the time
you know, nobody is going to
00:20:00.26\00:20:02.70
know what I did...
and I kept saying...
00:20:02.73\00:20:04.51
nobody is going to
notice the difference
00:20:04.54\00:20:06.11
nobody is going to
say anything about it...
00:20:06.15\00:20:08.73
I've just wasted my time...
the first thing my roommate says
00:20:08.77\00:20:11.36
as he came and he said,
"Ryan, I was running home
00:20:11.39\00:20:13.83
and I would have
slipped on some ice...
00:20:13.87\00:20:15.64
but luckily somebody put
some salt down and it melted
00:20:15.68\00:20:18.14
just enough to where
I could get my footing
00:20:18.17\00:20:20.50
and I didn't bust my
neck on this salted ice
00:20:20.53\00:20:22.79
and at that point I thought
that that was God telling me
00:20:22.82\00:20:26.20
that sometimes you
got to go out of your way,
00:20:26.24\00:20:28.09
go out of your way... I'm
going to make a way for you
00:20:28.12\00:20:30.50
and I'm going to
make it easier for you
00:20:30.54\00:20:31.80
because you're doing
my will not your will
00:20:31.83\00:20:33.34
but my will... and
yet you're doing something
00:20:33.37\00:20:35.48
for somebody else and
that was just His indication
00:20:35.51\00:20:38.04
and stuff has been happening
like that... all the time...
00:20:38.08\00:20:41.11
when you give your life
to God it just becomes a
00:20:41.14\00:20:43.93
wonderful thing. My
first time on CNN was really
00:20:43.96\00:20:46.67
just a blessing because I
was yelling at the TV Screen
00:20:46.71\00:20:51.09
and I said, "God,
there is Gerri Willis on TV
00:20:51.13\00:20:53.75
you told me I'm going to
speak for the millions of people
00:20:53.79\00:20:56.21
she's doing it... I
want to do what she is doing"
00:20:56.25\00:20:58.09
this was in 2008
and nine days later
00:20:58.12\00:21:00.74
I met Alicia
Stewart who just said
00:21:00.78\00:21:02.92
"Ryan, I've been following
your e- mails and I see where
00:21:02.95\00:21:05.97
you're going... to teach
Financial Literacy Seminar
00:21:06.01\00:21:09.29
do you want to go on
CNN... so thirteen days later
00:21:09.33\00:21:12.24
after I'm yelling at the
screen... at Gerri Willis
00:21:12.28\00:21:15.16
saying, "God, I want
to do what she's doing"
00:21:15.20\00:21:16.71
I'm on CNN with Gerri
Willis, doing what she's doing
00:21:16.74\00:21:20.63
talking about financial literacy
Oh... look at God... right...
00:21:20.66\00:21:24.30
This is how He does...
and I just... pity the fool
00:21:24.33\00:21:27.86
who does not say it... man...
and this is just the thing that
00:21:27.89\00:21:30.20
it's a beautiful thing
when you give it all over...
00:21:30.23\00:21:32.91
and it makes
stuff so much easier...
00:21:32.94\00:21:34.88
why make stuff hard
just try to be it easy...
00:21:34.91\00:21:36.69
financial literacy is a
good way to make it easy
00:21:36.73\00:21:38.47
using His
principles that are really...
00:21:38.50\00:21:40.68
the best financial
planning book is the Bible
00:21:40.72\00:21:42.93
we teach from
that all the time...
00:21:42.97\00:21:44.37
Come on... tell us
about that... like how...
00:21:44.40\00:21:46.13
because so many people think...
"Well the Bible is irrelevant"
00:21:46.16\00:21:50.26
or you can't... you
know... "It's an old book... "
00:21:50.29\00:21:52.40
"It doesn't have any relevance"
tell us how you use the Bible
00:21:52.44\00:21:55.81
to teach financial literacy...
I mean, when you think about it
00:21:55.84\00:21:59.18
one of the
Scriptures... in Proverbs
00:21:59.21\00:22:00.77
it talks about... what use is
money in the hand of a fool...
00:22:00.81\00:22:03.58
if they have no
desire to obtain wisdom
00:22:03.61\00:22:05.79
and that relates
right into the fact that
00:22:05.83\00:22:07.98
individuals who
are chasing money
00:22:08.02\00:22:09.70
they might even win the lottery,
but most lottery winners
00:22:09.73\00:22:12.38
end up being
flat broke... you know
00:22:12.42\00:22:14.34
Yeah...... if you
go to the South Side
00:22:14.38\00:22:16.24
of Chicago... you
choose one zip code...
00:22:16.27\00:22:19.75
one zip code... in
the South Side of Chicago,
00:22:19.79\00:22:21.93
they might spend as much
as between $20 and $23 million
00:22:21.97\00:22:24.63
dollars a year in one
zip code on Lotto tickets
00:22:24.66\00:22:27.06
and so, again, what use
is it, you're chasing money,
00:22:27.10\00:22:29.50
and what use is money
in the hand of a fool that
00:22:29.54\00:22:31.87
has no desire to obtain wisdom?
You know... it talks about it
00:22:31.90\00:22:34.28
in the parable of the talents
whether you are blessed with
00:22:34.32\00:22:36.66
one, three or five talents...
and the individual with
00:22:36.69\00:22:39.12
three talents... put his money
to usury... he doubled it...
00:22:39.15\00:22:42.09
five talents... doubled it...
the one person with one talent
00:22:42.12\00:22:45.03
stuck it in the ground
and didn't do anything with it
00:22:45.06\00:22:47.16
he was penalized for that...
I mean... these are stories
00:22:47.19\00:22:49.37
in the Bible that I
mean I can go on and on...
00:22:49.40\00:22:51.26
we have a
Workshop that is called
00:22:51.30\00:22:52.92
"Provisions for Abundance"
that really goes through
00:22:52.96\00:22:55.68
a lot of different principles
that are from the Word of God
00:22:55.72\00:22:58.94
I mean... "How to
improve your Credit"
00:22:58.97\00:23:01.11
how not to...
Ecclesiastes talks about
00:23:01.15\00:23:02.93
divide your portions
in seven and eight...
00:23:02.96\00:23:04.67
because... who knows...
what evil tomorrow will bring
00:23:04.70\00:23:07.32
you know... divide your
portion into seven and eight
00:23:07.35\00:23:10.04
that sounds a whole lot
like "Diversify your Portfolio"
00:23:10.07\00:23:13.38
Come on... come on... now...
Why would you give all of your
00:23:13.42\00:23:15.49
money to one
person... like Bernie Madoff
00:23:15.53\00:23:17.12
when in Ecclesiastes it says...
00:23:17.15\00:23:18.78
divide your portion
into seven and eight?
00:23:18.82\00:23:20.38
Come on... I mean...
these are things that
00:23:20.42\00:23:21.75
you know... it talks about...
the line that I always like
00:23:21.78\00:23:25.38
to say that
paraphrases different things...
00:23:25.41\00:23:27.09
I think it's in John...
that "Whatever you can walk
00:23:27.13\00:23:29.29
away from... you have
mastered, whatever you cannot
00:23:29.32\00:23:31.44
walk away
from... has mastered you"
00:23:31.48\00:23:33.06
and that comes from the Bible...
these are principles about
00:23:33.09\00:23:36.65
how to spend our money...
how to budget our money,
00:23:36.69\00:23:38.76
how to make sure that we
can save for rainy days...
00:23:38.79\00:23:40.83
how to make it so that
we can invest prudently
00:23:40.87\00:23:42.60
how to make sure
that we can prepare
00:23:42.64\00:23:43.83
for an Estate... a wise
man leaves an inheritance
00:23:43.86\00:23:46.90
for his children's children...
how can you do that effectively
00:23:46.94\00:23:50.12
unless you are putting it
together in an Estate Plan
00:23:50.16\00:23:52.27
you know... you
look at the Bible
00:23:52.31\00:23:53.67
you look at what the
principle says and then you use
00:23:53.70\00:23:56.58
Financial Literacy to say,
"Now, what mechanism are we
00:23:56.61\00:23:59.49
blessed with to be able to
use, to put these principles
00:23:59.53\00:24:02.37
into place?"
Budgeting, Estate Planning
00:24:02.40\00:24:04.59
Insurance... you
know... all of these things
00:24:04.63\00:24:07.52
are things that I believe that
God has allowed us to create
00:24:07.56\00:24:10.63
to put principles
that He's given us
00:24:10.67\00:24:13.29
to put in place and
manage His principles wisely
00:24:13.32\00:24:16.05
so He can say...
"Well done, thou good and
00:24:16.08\00:24:17.95
faithful servant... for
you have mastered over few...
00:24:17.99\00:24:19.84
I will make you ruler over many,
that's not a whole lot of saving
00:24:19.87\00:24:22.35
like saving a
little... it makes you...
00:24:22.38\00:24:24.78
no matter how little
money that you have...
00:24:24.81\00:24:26.69
you save it and be
very prudent with it...
00:24:26.73\00:24:27.96
I mean... I can go on...
and on about this stuff and...
00:24:27.99\00:24:29.76
it's just a wonderful
thing and I mean... look...
00:24:29.79\00:24:31.94
Suze Orman ain't got
nothing on the Word, you know...
00:24:31.98\00:24:34.08
Come on.. come on... come
on now.. nothing on the Word...
00:24:34.11\00:24:36.18
as Christians... we
should understand that
00:24:36.22\00:24:38.59
that's why we do... we
spend a lot of our time in
00:24:38.63\00:24:41.12
Churches across the
Country, just educating...
00:24:41.15\00:24:43.21
and getting folks
excited about this stuff, Man,
00:24:43.25\00:24:45.24
it's time to get excited
about budgeting and saving...
00:24:45.28\00:24:47.59
You know... that's
really true, it's like...
00:24:47.62\00:24:50.79
a lot of times... you
know... you just don't...
00:24:50.82\00:24:54.16
there's something
about the mentality of just
00:24:54.20\00:24:57.47
not wanting to deal with it...
but you have to deal with it...
00:24:57.50\00:25:01.85
because as you
said... and it's in the Word
00:25:01.89\00:25:03.98
basically what you don't
control will control you...
00:25:04.02\00:25:06.67
so... you can either
be proactive or reactive
00:25:06.70\00:25:10.31
and if you're reactive... I
mean... you are just following
00:25:10.35\00:25:13.20
along but you're not...
00:25:13.23\00:25:14.67
you're not focused
00:25:14.70\00:25:16.07
you're not intentional
about what you're doing...
00:25:16.10\00:25:18.08
and that doesn't honor God.
00:25:18.11\00:25:19.81
It doesn't... I mean...
Scripture after Scripture
00:25:19.85\00:25:23.12
talks about... don't...
don't get into hasty investments
00:25:23.15\00:25:26.30
because you'll end
up going into poverty...
00:25:26.33\00:25:28.50
you know... it
just goes on and on...
00:25:28.53\00:25:30.57
and when we understand this...
and I think the stigma...
00:25:30.61\00:25:33.66
I mean... I'm happy to
say... it seems as if...
00:25:33.69\00:25:37.17
now at least... what I am
seeing when I'm out there...
00:25:37.21\00:25:39.23
speaking in different
cities across the Country...
00:25:39.27\00:25:41.25
the stigma of not
talking about money
00:25:41.29\00:25:44.26
is starting to go away...
especially in the Churches...
00:25:44.30\00:25:46.26
it used to be...
almost like a red flag...
00:25:46.29\00:25:50.03
you don't
really go into money...
00:25:50.06\00:25:51.61
you know... you
don't talk about money...
00:25:51.64\00:25:53.40
you know... and
there'll be misconceptions about
00:25:53.43\00:25:55.60
"What is Christian" you know...
"Are Godly people... rich?"
00:25:55.63\00:26:00.29
"Are Godly people
poor?" you know...
00:26:00.32\00:26:02.36
Godly people
are not rich or poor
00:26:02.39\00:26:04.35
Godly people are faithful...
Come on... come on...
00:26:04.39\00:26:07.22
They talk about...
"Why do we go to work?"
00:26:07.25\00:26:09.32
I got to work to get
rich... or... I got to work
00:26:09.36\00:26:12.13
to just pay my bills...
no... you don't go to work
00:26:12.16\00:26:14.76
to get rich or just
to pay your bills...
00:26:14.79\00:26:16.28
we go to work to serve Christ...
and this is what you do...
00:26:16.32\00:26:19.20
on a day to day basis...
no matter what you do...
00:26:19.24\00:26:21.22
you give it over to
God... everything you do is just
00:26:21.25\00:26:23.20
to serve in the
glory of His name...
00:26:23.23\00:26:24.97
and then... the fruits will come
00:26:25.01\00:26:26.80
out of that labor... you know...
00:26:26.84\00:26:28.57
they will come out of the labor
that you are working for Him...
00:26:28.60\00:26:30.90
and that
includes our finances...
00:26:30.94\00:26:32.40
God is not going to create a
book that talks about everything
00:26:32.44\00:26:35.65
and leave money out
of it... you know...
00:26:35.69\00:26:37.82
and it's again
for the love of money,
00:26:37.86\00:26:40.46
and I don't love money...
00:26:40.50\00:26:41.53
and I've always
said... and some individuals
00:26:41.56\00:26:43.93
disagree with me... I
don't believe that money
00:26:43.96\00:26:46.04
is a blessing I
believe that money is a
00:26:46.07\00:26:48.54
fruit of the blessing...
money is the result in
00:26:48.58\00:26:52.13
Ephesians 1 verse 3
Blessed is the Lord and Father
00:26:52.16\00:26:55.68
of our Lord Jesus
Christ, who hath blessed us
00:26:55.71\00:26:58.09
with all spiritual blessings
in heavenly places... in Christ.
00:26:58.13\00:27:00.62
I believe that the things
that you have inside of you...
00:27:00.65\00:27:04.17
are the blessings...
and because you're able to
00:27:04.20\00:27:06.48
use those things... you
are able to create money...
00:27:06.51\00:27:09.05
and that's the symptom
that you are truly blessed
00:27:09.08\00:27:11.28
because you use those
blessings that you have
00:27:11.32\00:27:13.58
and this is why...
those who are in poverty...
00:27:13.61\00:27:15.84
which we do a
lot of Workshops...
00:27:15.87\00:27:17.16
in Prisons and Homeless
Shelters I'd like to tell...
00:27:17.20\00:27:19.72
I'd say, "Listen,
I don't care if you
00:27:19.76\00:27:21.67
have not a dollar to your name"
you are still truly blessed...
00:27:21.70\00:27:24.39
if you still have a pulse
and still have a purpose...
00:27:24.42\00:27:26.79
let's figure
out what you can use
00:27:26.82\00:27:28.94
and what you can create...
we were in South Africa...
00:27:28.97\00:27:31.05
we figure out... I
don't care if you're living
00:27:31.08\00:27:33.17
in the shanty
town... what can you use
00:27:33.20\00:27:35.43
to create these things...
Yes.. yes... what's in your hand
00:27:35.47\00:27:37.76
My! I can't
believe our time is up
00:27:37.80\00:27:39.46
I have to have you back...
actually I want to have you here
00:27:39.49\00:27:42.47
will you come here some time?
Absolutely... I would love to...
00:27:42.50\00:27:45.54
That would be great,
may God bless you and
00:27:45.58\00:27:46.95
continue with your
great work. God bless you...
00:27:46.98\00:27:50.07
Proverbs 21:5 says
"The plans of the diligent
00:27:50.10\00:27:53.16
lead to profit as
surely as haste leads
00:27:53.19\00:27:55.89
to poverty... be intentional
00:27:55.92\00:27:57.93
with your finances... pay
your tithes and offerings,
00:27:57.97\00:28:00.33
support
ministries like Dare to Dream
00:28:00.36\00:28:02.58
and have a plan...
May God bless you...
00:28:02.61\00:28:04.76
tune in next time... It
just wouldn't be the same
00:28:04.79\00:28:06.79
without you...
00:28:06.83\00:28:08.74