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...
00:10:02.33\00:10:04.97
I love starting
businesses, and, you know,
00:10:05.00\00:10:07.20
what an entrepreneur
does... and people say,
00:10:07.24\00:10:09.37
"Well, Ryan... now is not the
time to start your businesses"
00:10:09.40\00:10:11.81
is why we travel
all across the Country
00:10:11.84\00:10:13.94
we speak at
Churches, we speak in Prisons,
00:10:13.98\00:10:16.04
we speak at...
all across the Country
00:10:16.08\00:10:17.71
teaching individuals
about financial literacy,
00:10:17.75\00:10:19.41
starting businesses, and,
you know, when I started my
00:10:19.45\00:10:22.62
financial planning company
00:10:22.65\00:10:24.25
I started... because
there was a problem...
00:10:24.29\00:10:25.92
of individuals in our
Community who did not manage
00:10:25.95\00:10:28.59
their money correctly, so
how can I fix that problem
00:10:28.62\00:10:31.19
but also keep food on my
table at the same time...
00:10:31.23\00:10:33.46
that was the first problem,
and there was another problem
00:10:33.50\00:10:35.90
that many individuals...
weren't able to afford to pay
00:10:35.93\00:10:38.47
for our services... so
we went out and formed a
00:10:38.50\00:10:40.47
501c free so we can
get the Government to pay
00:10:40.50\00:10:42.97
for our services...
and another problem was
00:10:43.00\00:10:45.17
people coming home from
Prison weren't able to get jobs
00:10:45.21\00:10:47.51
well... we had a lot of
connections with different
00:10:47.54\00:10:49.71
developers in our local
Community and had resources
00:10:49.74\00:10:51.91
and so we formed a
Development Company...
00:10:51.95\00:10:53.08
and through that
Development Company...
00:10:53.11\00:10:54.75
sitting on the Board of
Organizations like Re-Build
00:10:54.78\00:10:57.25
we've helped
over 2,000 individuals
00:10:57.29\00:10:59.55
come out of Prison find jobs
00:10:59.59\00:11:01.29
and get over 60% of
them... have kept those jobs
00:11:01.32\00:11:05.69
for at least six months or
more so, if this is just through
00:11:05.73\00:11:09.73
businesses that we formed...
in order to assist problems in
00:11:09.76\00:11:12.23
our Community... and again...
over half of the S and P 500
00:11:12.27\00:11:15.20
were formed during
hard economic times...
00:11:15.24\00:11:17.87
just like you see.. right now...
so, essentially, it's a crime
00:11:17.91\00:11:21.28
to sit back and say that
"I'm not going to let this idea
00:11:21.31\00:11:24.38
come out of my head
and come into fruition
00:11:24.41\00:11:26.18
because... on the
other side of your hard work
00:11:26.21\00:11:27.98
your blood, your
sweat and your tears...
00:11:28.02\00:11:29.38
there is somebody
waiting on you to bless them
00:11:29.42\00:11:31.65
with that idea... so
the epitomy of selfishness
00:11:31.69\00:11:34.19
is really quitting... so
you're not quitting on... you
00:11:34.22\00:11:37.06
you're quitting on all
those people that are supposed
00:11:37.09\00:11:39.39
to benefit from those grand
ideas that you have inside...
00:11:39.43\00:11:41.66
and so... this is why... we
have to unlock our potential
00:11:41.70\00:11:43.93
take the top off our thinking...
00:11:43.97\00:11:45.67
and get prepared to bless some
people around this hard economy.
00:11:45.70\00:11:48.34
That's tremendous...
that is just tremendous!
00:11:48.37\00:11:52.47
I mean, wow, the
fact that... that again...
00:11:52.51\00:11:56.54
you're giving options...
you're sharing resources
00:11:56.58\00:12:00.15
see... I think one of
the things that happens is
00:12:00.18\00:12:02.92
we don't
know... what's available
00:12:02.95\00:12:05.45
we don't know... what
resources are available
00:12:05.49\00:12:09.06
and connecting with those
resources... that's key and so
00:12:09.09\00:12:13.43
with your Organization...
I know that you write...
00:12:13.46\00:12:17.97
I know that you're a
contributor to CNN...
00:12:18.00\00:12:22.40
what other things are
you doing to connect with
00:12:22.44\00:12:26.17
inner city residents?
Well, what we like to do...
00:12:26.21\00:12:29.91
a lot of times...
people ask me to speak...
00:12:29.94\00:12:31.88
I just did a Workshop
with Demal Brian's Church in
00:12:31.91\00:12:34.75
Palmer Temple... did
a speech down there...
00:12:34.78\00:12:37.05
speaking is great but...
00:12:37.09\00:12:39.35
I really feel that it's time
00:12:39.39\00:12:41.56
for us to start cleaning
together... really talking shop
00:12:41.59\00:12:43.63
so what I normally do
with Organizations that call me
00:12:43.66\00:12:46.73
out to do a keynote
speech... you know...
00:12:46.76\00:12:49.16
not really a whole lot
you can do in 20 minutes
00:12:49.20\00:12:51.03
besides getting
people to stand up
00:12:51.07\00:12:52.53
but it is inspirational it's
great. But it's time for us to
00:12:52.57\00:12:55.37
take it to another level...
it's time for us to take a step
00:12:55.40\00:12:57.57
forward and, you know,
to figure out what we can do
00:12:57.61\00:13:00.44
to collaborate...
right now, we have,
00:13:00.48\00:13:02.81
a group of inmates in Houston,
00:13:02.84\00:13:05.58
we talked to some
folks down in Philadelphia
00:13:05.61\00:13:08.62
as well as Chicago...
inmates training inmates
00:13:08.65\00:13:11.62
in financial
literacy using my book
00:13:11.65\00:13:13.36
"Living in the
Village" as a curriculum for an
00:13:13.39\00:13:15.66
eight-week
program... it's sustainable...
00:13:15.69\00:13:17.53
it's free... and
it sustained itself...
00:13:17.56\00:13:19.73
I go there now, I'll train them,
00:13:19.76\00:13:21.16
I leave and then the Program
continues to sustain itself...
00:13:21.20\00:13:24.20
we have Programs that
we have created across
00:13:24.23\00:13:25.90
the Country for Youth...
where we train the youth
00:13:25.93\00:13:28.57
in terms of financial literacy
and once the youth get it...
00:13:28.60\00:13:31.24
we train the educators and the
teachers in financial literacy,
00:13:31.27\00:13:34.31
they'll then work with the
Youth and then... I can leave...
00:13:34.34\00:13:37.35
I can move
myself from the equation
00:13:37.38\00:13:38.68
and now the teachers can
continue to teach the youth
00:13:38.71\00:13:40.98
in financial literacy
and economic and employment
00:13:41.02\00:13:42.48
programming... so,
I really try to do...
00:13:42.52\00:13:44.89
and we just spent a whole week
about two weeks ago in St. Lucia
00:13:44.92\00:13:48.59
there were two to
three workshops a day...
00:13:48.62\00:13:50.46
we plan on going back
there for another two months...
00:13:50.49\00:13:53.43
to really start some good
sustainable economic programming
00:13:53.46\00:13:56.26
that can have a true,
measured impact... and again...
00:13:56.30\00:13:59.57
we do a lot of speeches
and people call me all the time
00:13:59.60\00:14:02.87
and say, "Ryan, come and
speak to our Organization"
00:14:02.90\00:14:04.74
well, I say, you
know... "What are we going to do
00:14:04.77\00:14:06.84
after the speech?"
are we going to sit down,
00:14:06.88\00:14:08.88
and collaborate and bring ideas
and people together because
00:14:08.91\00:14:12.11
there are lot of hungry folks
out there... out on the streets
00:14:12.15\00:14:15.32
they need our ideas...
they don't need for us to
00:14:15.35\00:14:17.59
just continue to
rest on our laurels...
00:14:17.62\00:14:19.49
they don't need for us
to continue to say that
00:14:19.52\00:14:21.69
we need an inspiration...
without information...
00:14:21.72\00:14:24.49
it's just frustration...
so we have to get folks
00:14:24.53\00:14:27.40
to move forward and
set... that's what we're really
00:14:27.46\00:14:30.30
trying to focus on...
through our non-profit
00:14:30.33\00:14:32.70
and really trying to
create tangible program
00:14:32.73\00:14:35.07
that can have a measured
impact speaking is great...
00:14:35.10\00:14:37.47
but I'd much prefer to
do some programming and
00:14:37.51\00:14:40.08
some workshops and sit down and
we can have a measured impact
00:14:40.11\00:14:42.51
so we can see some real
testimonial results from the
00:14:42.54\00:14:45.38
people that are moving forward.
That's tremendous because
00:14:45.41\00:14:47.98
what did you say, what with...
"Inspiration without Information
00:14:48.02\00:14:52.89
is just Frustration" I
like it... I like it...
00:14:52.92\00:14:56.02
that's what I said... I
like it I'll write it down...
00:14:56.06\00:14:58.39
I love it... I love
it... because, you know what?
00:14:58.43\00:15:00.70
it is one thing to
get people to, you know,
00:15:00.73\00:15:03.06
to motivate
them... and get them in the
00:15:03.10\00:15:05.27
rah... rah thing...
but then you leave...
00:15:05.30\00:15:07.67
but if you leave
something in place...
00:15:07.70\00:15:11.17
to replicate...
what you've taught
00:15:11.21\00:15:14.58
and to then, kind of,
have it across the board
00:15:14.61\00:15:17.58
so that people can
continue to work in it...
00:15:17.61\00:15:20.55
and you have
somebody in place...
00:15:20.58\00:15:22.02
like an Organization...
in place there...
00:15:22.05\00:15:24.19
to kind of keep things going...
00:15:24.22\00:15:25.99
that's how real
change is wrought...
00:15:26.02\00:15:28.49
not by just one
speech... which is great...
00:15:28.52\00:15:31.13
but by replication and
duplication of your efforts
00:15:31.16\00:15:35.63
that's tremendous...
that's tremendous...
00:15:35.66\00:15:37.67
What got you involved
in financial literacy?
00:15:37.70\00:15:40.54
I used to be a Trader on
Wall Street for six years
00:15:40.57\00:15:44.34
and I traded biotechnology
stocks at the largest NASDAQ
00:15:44.37\00:15:48.14
trading firm in the
world, not equity markets
00:15:48.18\00:15:50.61
and had a great
time... made some good money...
00:15:50.65\00:15:53.01
but I really felt that there
was a stronger need out there
00:15:53.05\00:15:57.19
to educate my Community,
my aunt called me one day
00:15:57.22\00:16:00.32
and she said,
"Ryan, what is a stock?"
00:16:00.36\00:16:03.26
and that kind of resonated
with me because if my aunt
00:16:03.29\00:16:05.49
didn't know... what a stock
was that meant a lot my family
00:16:05.53\00:16:08.70
didn't know what stocks were...
00:16:08.73\00:16:09.73
I figured... especially
in the Black Community
00:16:09.76\00:16:12.13
that they didn't
know what investments were
00:16:12.17\00:16:14.67
I mean, we're quick
to jump in a long line...
00:16:14.70\00:16:17.17
to pay $300 for some sneakers...
but we will not pay 50 bucks
00:16:17.21\00:16:21.74
to own the Company
that makes the sneakers...
00:16:21.78\00:16:23.81
Come on... come on... come on
00:16:23.85\00:16:25.18
...so, this is the
type of thing and mentality
00:16:25.21\00:16:27.58
that I really wanted to
address and I couldn't do that
00:16:27.62\00:16:29.58
by making money
behind the keyboard...
00:16:29.62\00:16:30.92
I wanted to go to the
streets... to my Community...
00:16:30.95\00:16:33.19
I got an offer...
from a large Company
00:16:33.22\00:16:35.22
that wanted me to be a
Financial Planner with them
00:16:35.26\00:16:37.46
but they told me...
unless I only work for
00:16:37.49\00:16:39.59
high-net-worth
individuals and everybody else
00:16:39.63\00:16:41.60
was a waste of time...
and it says very clearly...
00:16:41.63\00:16:44.43
in Proverbs 3:27... Do
not withhold good from those
00:16:44.47\00:16:47.24
who deserve it for it
is in your power to act...
00:16:47.27\00:16:50.07
and I did not want to
withhold good from anyone...
00:16:50.11\00:16:52.44
including my own mother
that's not high-net worth
00:16:52.47\00:16:54.91
including most of the
individuals in my family
00:16:54.94\00:16:57.38
that are not high-net-worth...
people in the streets...
00:16:57.41\00:16:59.45
in my own
Community... where I live...
00:16:59.48\00:17:00.82
where I lay my head at night...
these individuals out here in
00:17:00.85\00:17:03.15
Brooklyn... many individuals...
most of them are not
00:17:03.18\00:17:05.69
high-net-worth... so
I'm not trying to withhold
00:17:05.72\00:17:07.69
good from them...
and good is knowledge...
00:17:07.72\00:17:09.79
good is
education... so we like to go...
00:17:09.82\00:17:11.89
and that's why I
started my own company
00:17:11.93\00:17:13.93
I'm not... I have
the power to do...
00:17:13.96\00:17:15.86
but I did feel like I
had a calling from God
00:17:15.90\00:17:18.03
to speak to a lot
of people about it
00:17:18.07\00:17:21.00
and He kind of gave me
that signal and I decided that
00:17:21.04\00:17:23.41
it was not going to be
through this Organization
00:17:23.44\00:17:24.97
that was telling me
that I could only work for
00:17:25.01\00:17:26.54
high net-work...
it wasn't going to be
00:17:26.57\00:17:27.84
through Wall Street... it
was through learning how to
00:17:27.88\00:17:30.28
create my own
mechanism... my own business...
00:17:30.31\00:17:32.65
through His will...
and learn how to get this
00:17:32.68\00:17:34.95
message out in a
way... and He sustained me
00:17:34.98\00:17:37.19
through the whole thing...
He taught me that, you know,
00:17:37.22\00:17:39.09
sometimes... you just
got to accept the fact
00:17:39.12\00:17:40.96
that your ship is
not going to come in
00:17:40.99\00:17:42.82
but you can learn
how to swim out to it...
00:17:42.86\00:17:44.59
and when you learn how to
swim it's a beautiful thing
00:17:44.63\00:17:47.20
swim with Jesus...
Amen.. that is so... so... true.
00:17:47.23\00:17:51.13
How long have
you been a Christian?
00:17:51.17\00:17:53.47
I've been a
Christian all my life...
00:17:53.50\00:17:55.70
but I would say... I was
saved in February of 1995
00:17:55.74\00:18:02.91
it was the winter time
and God revealed Himself to me
00:18:02.94\00:18:07.95
I was walking
home from School and...
00:18:07.98\00:18:11.35
from Michigan...
it was a big hill...
00:18:11.39\00:18:13.82
at the bottom of this
hill was a big patch of ice...
00:18:13.86\00:18:16.83
to make the long story
short, I almost slipped
00:18:16.86\00:18:18.89
on this patch of ice and
something inside of me said,
00:18:18.93\00:18:22.46
"Ryan," it's
negative 20 degrees outside
00:18:22.50\00:18:24.57
"Ryan, you have to put
something on this patch of ice"
00:18:24.60\00:18:28.07
and I started
arguing with God at the time
00:18:28.10\00:18:29.67
that I'm not trying
to clean this ice up...
00:18:29.70\00:18:31.64
it's too cold out here... I'm
a quarter mile away from home
00:18:31.67\00:18:33.98
I'm trying to go home...
so I walked back home and
00:18:34.01\00:18:35.71
the closer I got
home... to the dorm room
00:18:35.74\00:18:38.38
where I was living...
the stronger the voice got...
00:18:38.41\00:18:40.78
so by the time I got there...
I said... you know what...
00:18:40.82\00:18:43.05
forget it... I
don't have any salt...
00:18:43.08\00:18:45.49
I opened up the door...
there's a big bag of salt...
00:18:45.52\00:18:47.72
all in the lobby
where I lived to this day
00:18:47.76\00:18:50.69
there's never been bag of salt
either after that or before that
00:18:50.73\00:18:54.63
for the four years
that I was in Michigan
00:18:54.66\00:18:56.13
there was a pair of scissors
located right there on the desk
00:18:56.16\00:18:59.93
for me to take the
scissors up, so I said,
00:19:00.04\00:19:02.34
"OK... let me just
go ahead and use it... "
00:19:02.37\00:19:04.64
so I took it... cut open
the bag and I walked outside
00:19:04.67\00:19:08.18
and as soon as I
stepped foot on the ground
00:19:08.21\00:19:10.85
there was a cartoon.. I
tell you if you're an atheist
00:19:10.88\00:19:13.18
you're not going
to believe this story
00:19:13.21\00:19:15.28
it was a
cartoon... the cloud opened...
00:19:15.32\00:19:17.35
and the temperature got so hot
that I had to unzip my jacket...
00:19:17.39\00:19:20.62
it was negative 20
before... wind chill factor...
00:19:20.66\00:19:23.12
and it was so hot...
that I'd unzipped my jacket
00:19:23.16\00:19:25.59
and I walked back
to put salt on the ice
00:19:25.63\00:19:28.03
I put salt on the
ice and I walked back
00:19:28.06\00:19:30.47
and I was thinking...
wow... it's really hot...
00:19:30.50\00:19:32.13
I'm almost sweaty... because
I had this big, fat jacket on
00:19:32.17\00:19:35.10
and I couldn't take it
off... because I was holding
00:19:35.14\00:19:36.60
the bag of salt
and I said, "Wow!
00:19:36.64\00:19:38.91
I'm going to play basketball"
I want to do something...
00:19:38.94\00:19:41.68
I want to play ball... you
know, this is Indian summer,
00:19:41.71\00:19:44.41
you know, I'm excited now...
the temperature just changed
00:19:44.45\00:19:47.08
and by the time I got back home
the ten seconds that it took me
00:19:47.12\00:19:50.72
to put the bag of salt
down and go to my room...
00:19:50.75\00:19:52.79
the temperature had gotten back
to negative 20 wind chill again,
00:19:52.82\00:19:56.49
when I looked out
the window and then...
00:19:56.52\00:19:58.69
my roommate came in
00:19:58.73\00:20:00.13
and I was saying... all the time
you know, nobody is going to
00:20:00.16\00:20:02.56
know what I did...
and I kept saying...
00:20:02.60\00:20:04.40
nobody is going to
notice the difference
00:20:04.43\00:20:06.00
nobody is going to
say anything about it...
00:20:06.03\00:20:08.64
I've just wasted my time...
the first thing my roommate says
00:20:08.67\00:20:11.24
as he came and he said,
"Ryan, I was running home
00:20:11.27\00:20:13.74
and I would have
slipped on some ice...
00:20:13.78\00:20:15.54
but luckily somebody put
some salt down and it melted
00:20:15.58\00:20:18.05
just enough to where
I could get my footing
00:20:18.08\00:20:20.38
and I didn't bust my
neck on this salted ice
00:20:20.42\00:20:22.68
and at that point I thought
that that was God telling me
00:20:22.72\00:20:26.12
that sometimes you
got to go out of your way,
00:20:26.15\00:20:27.99
go out of your way... I'm
going to make a way for you
00:20:28.02\00:20:30.43
and I'm going to
make it easier for you
00:20:30.46\00:20:31.69
because you're doing
my will not your will
00:20:31.73\00:20:33.26
but my will... and
yet you're doing something
00:20:33.29\00:20:35.36
for somebody else and
that was just His indication
00:20:35.40\00:20:37.93
and stuff has been happening
like that... all the time...
00:20:37.97\00:20:41.00
when you give your life
to God it just becomes a
00:20:41.04\00:20:43.81
wonderful thing. My
first time on CNN was really
00:20:43.84\00:20:46.57
just a blessing because I
was yelling at the TV Screen
00:20:46.61\00:20:50.98
and I said, "God,
there is Gerri Willis on TV
00:20:51.01\00:20:53.65
you told me I'm going to
speak for the millions of people
00:20:53.68\00:20:56.12
she's doing it... I
want to do what she is doing"
00:20:56.15\00:20:57.99
this was in 2008
and nine days later
00:20:58.02\00:21:00.66
I met Alicia
Stewart who just said
00:21:00.69\00:21:02.82
"Ryan, I've been following
your e- mails and I see where
00:21:02.86\00:21:05.89
you're going... to teach
Financial Literacy Seminar
00:21:05.93\00:21:09.16
do you want to go on
CNN... so thirteen days later
00:21:09.20\00:21:12.13
after I'm yelling at the
screen... at Gerri Willis
00:21:12.17\00:21:15.07
saying, "God, I want
to do what she's doing"
00:21:15.10\00:21:16.60
I'm on CNN with Gerri
Willis, doing what she's doing
00:21:16.64\00:21:20.51
talking about financial literacy
Oh... look at God... right...
00:21:20.54\00:21:24.18
This is how He does...
and I just... pity the fool
00:21:24.21\00:21:27.75
who does not say it... man...
and this is just the thing that
00:21:27.78\00:21:30.09
it's a beautiful thing
when you give it all over...
00:21:30.12\00:21:32.82
and it makes
stuff so much easier...
00:21:32.85\00:21:34.79
why make stuff hard
just try to be it easy...
00:21:34.82\00:21:36.59
financial literacy is a
good way to make it easy
00:21:36.62\00:21:38.39
using His
principles that are really...
00:21:38.43\00:21:40.60
the best financial
planning book is the Bible
00:21:40.63\00:21:42.83
we teach from
that all the time...
00:21:42.86\00:21:44.27
Come on... tell us
about that... like how...
00:21:44.30\00:21:46.00
because so many people think...
"Well the Bible is irrelevant"
00:21:46.03\00:21:50.14
or you can't... you
know... "It's an old book... "
00:21:50.17\00:21:52.31
"It doesn't have any relevance"
tell us how you use the Bible
00:21:52.34\00:21:55.71
to teach financial literacy...
I mean, when you think about it
00:21:55.74\00:21:59.08
one of the
Scriptures... in Proverbs
00:21:59.11\00:22:00.68
it talks about... what use is
money in the hand of a fool...
00:22:00.72\00:22:03.49
if they have no
desire to obtain wisdom
00:22:03.52\00:22:05.69
and that relates
right into the fact that
00:22:05.72\00:22:07.89
individuals who
are chasing money
00:22:07.92\00:22:09.59
they might even win the lottery,
but most lottery winners
00:22:09.62\00:22:12.29
end up being
flat broke... you know
00:22:12.33\00:22:14.23
Yeah...... if you
go to the South Side
00:22:14.30\00:22:16.13
of Chicago... you
choose one zip code...
00:22:16.16\00:22:19.63
one zip code... in
the South Side of Chicago,
00:22:19.67\00:22:21.84
they might spend as much
as between $20 and $23 million
00:22:21.87\00:22:24.51
dollars a year in one
zip code on Lotto tickets
00:22:24.54\00:22:26.98
and so, again, what use
is it, you're chasing money,
00:22:27.01\00:22:29.41
and what use is money
in the hand of a fool that
00:22:29.44\00:22:31.78
has no desire to obtain wisdom?
You know... it talks about it
00:22:31.81\00:22:34.18
in the parable of the talents
whether you are blessed with
00:22:34.22\00:22:36.55
one, three or five talents...
and the individual with
00:22:36.58\00:22:39.02
three talents... put his money
to usury... he doubled it...
00:22:39.05\00:22:41.99
five talents... doubled it...
the one person with one talent
00:22:42.02\00:22:44.93
stuck it in the ground
and didn't do anything with it
00:22:44.96\00:22:47.03
he was penalized for that...
I mean... these are stories
00:22:47.10\00:22:49.26
in the Bible that I
mean I can go on and on...
00:22:49.30\00:22:51.17
we have a
Workshop that is called
00:22:51.20\00:22:52.80
"Provisions for Abundance"
that really goes through
00:22:52.83\00:22:55.57
a lot of different principles
that are from the Word of God
00:22:55.60\00:22:58.84
I mean... "How to
improve your Credit"
00:22:58.87\00:23:01.01
how not to...
Ecclesiastes talks about
00:23:01.04\00:23:02.81
divide your portions
in seven and eight...
00:23:02.84\00:23:04.58
because... who knows...
what evil tomorrow will bring
00:23:04.61\00:23:07.22
you know... divide your
portion into seven and eight
00:23:07.25\00:23:09.95
that sounds a whole lot
like "Diversify your Portfolio"
00:23:09.98\00:23:13.29
Come on... come on... now...
Why would you give all of your
00:23:13.32\00:23:15.39
money to one
person... like Bernie Madoff
00:23:15.42\00:23:17.03
when in Ecclesiastes it says...
00:23:17.06\00:23:18.69
divide your portion
into seven and eight?
00:23:18.73\00:23:20.30
Come on... I mean...
these are things that
00:23:20.33\00:23:21.50
you know... it talks about...
the line that I always like
00:23:21.53\00:23:25.27
to say that
paraphrases different things...
00:23:25.30\00:23:26.97
I think it's in John...
that "Whatever you can walk
00:23:27.00\00:23:29.17
away from... you have
mastered, whatever you cannot
00:23:29.20\00:23:31.34
walk away
from... has mastered you"
00:23:31.37\00:23:32.94
and that comes from the Bible...
these are principles about
00:23:32.97\00:23:36.54
how to spend our money...
how to budget our money,
00:23:36.58\00:23:38.65
how to make sure that we
can save for rainy days...
00:23:38.68\00:23:40.75
how to make it so that
we can invest prudently
00:23:40.78\00:23:42.52
how to make sure
that we can prepare
00:23:42.55\00:23:43.59
for an Estate... a wise
man leaves an inheritance
00:23:43.62\00:23:46.82
for his children's children...
how can you do that effectively
00:23:46.86\00:23:50.03
unless you are putting it
together in an Estate Plan
00:23:50.06\00:23:52.19
you know... you
look at the Bible
00:23:52.23\00:23:53.60
you look at what the
principle says and then you use
00:23:53.63\00:23:56.46
Financial Literacy to say,
"Now, what mechanism are we
00:23:56.50\00:23:59.37
blessed with to be able to
use, to put these principles
00:23:59.40\00:24:02.27
into place?"
Budgeting, Estate Planning
00:24:02.30\00:24:04.47
Insurance... you
know... all of these things
00:24:04.51\00:24:07.41
are things that I believe that
God has allowed us to create
00:24:07.44\00:24:10.55
to put principles
that He's given us
00:24:10.58\00:24:13.18
to put in place and
manage His principles wisely
00:24:13.21\00:24:15.95
so He can say...
"Well done, thou good and
00:24:15.98\00:24:17.85
faithful servant... for
you have mastered over few...
00:24:17.89\00:24:19.75
I will make you ruler over many,
that's not a whole lot of saving
00:24:19.79\00:24:22.26
like saving a
little... it makes you...
00:24:22.29\00:24:24.69
no matter how little
money that you have...
00:24:24.73\00:24:26.59
you save it and be
very prudent with it...
00:24:26.63\00:24:27.73
I mean... I can go on...
and on about this stuff and...
00:24:27.76\00:24:29.63
it's just a wonderful
thing and I mean... look...
00:24:29.66\00:24:31.83
Suze Orman ain't got
nothing on the Word, you know...
00:24:31.87\00:24:33.97
Come on.. come on... come
on now.. nothing on the Word...
00:24:34.00\00:24:36.07
as Christians... we
should understand that
00:24:36.10\00:24:38.47
that's why we do... we
spend a lot of our time in
00:24:38.51\00:24:41.01
Churches across the
Country, just educating...
00:24:41.04\00:24:43.11
and getting folks
excited about this stuff, Man,
00:24:43.14\00:24:45.15
it's time to get excited
about budgeting and saving...
00:24:45.18\00:24:47.48
You know... that's
really true, it's like...
00:24:47.52\00:24:50.69
a lot of times... you
know... you just don't...
00:24:50.72\00:24:54.09
there's something
about the mentality of just
00:24:54.12\00:24:57.39
not wanting to deal with it...
but you have to deal with it...
00:24:57.43\00:25:01.73
because as you
said... and it's in the Word
00:25:01.76\00:25:03.87
basically what you don't
control will control you...
00:25:03.90\00:25:06.57
so... you can either
be proactive or reactive
00:25:06.60\00:25:10.21
and if you're reactive... I
mean... you are just following
00:25:10.24\00:25:13.07
along but you're not...
00:25:13.11\00:25:14.58
you're not focused
00:25:14.61\00:25:15.98
you're not intentional
about what you're doing...
00:25:16.01\00:25:17.98
and that doesn't honor God.
00:25:18.01\00:25:19.71
It doesn't... I mean...
Scripture after Scripture
00:25:19.75\00:25:23.02
talks about... don't...
don't get into hasty investments
00:25:23.05\00:25:26.19
because you'll end
up going into poverty...
00:25:26.22\00:25:28.39
you know... it
just goes on and on...
00:25:28.42\00:25:30.49
and when we understand this...
and I think the stigma...
00:25:30.53\00:25:33.56
I mean... I'm happy to
say... it seems as if...
00:25:33.60\00:25:37.07
now at least... what I am
seeing when I'm out there...
00:25:37.10\00:25:39.13
speaking in different
cities across the Country...
00:25:39.17\00:25:41.14
the stigma of not
talking about money
00:25:41.17\00:25:44.17
is starting to go away...
especially in the Churches...
00:25:44.21\00:25:46.14
it used to be...
almost like a red flag...
00:25:46.17\00:25:49.91
you don't
really go into money...
00:25:49.94\00:25:51.51
you know... you
don't talk about money...
00:25:51.55\00:25:53.28
you know... and
there'll be misconceptions about
00:25:53.31\00:25:55.48
"What is Christian" you know...
"Are Godly people... rich?"
00:25:55.52\00:26:00.19
"Are Godly people
poor?" you know...
00:26:00.22\00:26:02.26
Godly people
are not rich or poor
00:26:02.29\00:26:04.26
Godly people are faithful...
Come on... come on...
00:26:04.29\00:26:07.13
They talk about...
"Why do we go to work?"
00:26:07.13\00:26:09.20
I got to work to get
rich... or... I got to work
00:26:09.23\00:26:12.00
to just pay my bills...
no... you don't go to work
00:26:12.03\00:26:14.64
to get rich or just
to pay your bills...
00:26:14.67\00:26:16.17
we go to work to serve Christ...
and this is what you do...
00:26:16.20\00:26:19.11
on a day to day basis...
no matter what you do...
00:26:19.14\00:26:21.11
you give it over to
God... everything you do is just
00:26:21.14\00:26:23.08
to serve in the
glory of His name...
00:26:23.11\00:26:24.88
and then... the fruits will come
00:26:24.91\00:26:26.72
out of that labor... you know...
00:26:26.75\00:26:28.48
they will come out of the labor
that you are working for Him...
00:26:28.52\00:26:30.82
and that
includes our finances...
00:26:30.85\00:26:32.32
God is not going to create a
book that talks about everything
00:26:32.35\00:26:35.56
and leave money out
of it... you know...
00:26:35.59\00:26:37.73
and it's again
for the love of money,
00:26:37.76\00:26:40.40
and I don't love money...
00:26:40.43\00:26:41.36
and I've always
said... and some individuals
00:26:41.40\00:26:43.80
disagree with me... I
don't believe that money
00:26:43.83\00:26:45.93
is a blessing I
believe that money is a
00:26:45.97\00:26:48.44
fruit of the blessing...
money is the result in
00:26:48.47\00:26:52.01
Ephesians 1 verse 3
Blessed is the Lord and Father
00:26:52.04\00:26:55.58
of our Lord Jesus
Christ, who hath blessed us
00:26:55.61\00:26:57.98
with all spiritual blessings
in heavenly places... in Christ.
00:26:58.01\00:27:00.52
I believe that the things
that you have inside of you...
00:27:00.55\00:27:04.09
are the blessings...
and because you're able to
00:27:04.12\00:27:06.39
use those things... you
are able to create money...
00:27:06.42\00:27:08.96
and that's the symptom
that you are truly blessed
00:27:08.99\00:27:11.19
because you use those
blessings that you have
00:27:11.23\00:27:13.50
and this is why...
those who are in poverty...
00:27:13.53\00:27:15.73
which we do a
lot of Workshops...
00:27:15.76\00:27:17.07
in Prisons and Homeless
Shelters I'd like to tell...
00:27:17.10\00:27:19.60
I'd say, "Listen,
I don't care if you
00:27:19.63\00:27:21.57
have not a dollar to your name"
you are still truly blessed...
00:27:21.60\00:27:24.27
if you still have a pulse
and still have a purpose...
00:27:24.31\00:27:26.68
let's figure
out what you can use
00:27:26.71\00:27:28.84
and what you can create...
we were in South Africa...
00:27:28.88\00:27:30.95
we figure out... I
don't care if you're living
00:27:30.98\00:27:33.08
in the shanty
town... what can you use
00:27:33.11\00:27:35.35
to create these things...
Yes.. yes... what's in your hand
00:27:35.38\00:27:37.69
My! I can't
believe our time is up
00:27:37.72\00:27:39.35
I have to have you back...
actually I want to have you here
00:27:39.39\00:27:42.39
will you come here some time?
Absolutely... I would love to...
00:27:42.42\00:27:45.46
That would be great,
may God bless you and
00:27:45.49\00:27:46.86
continue with your
great work. God bless you...
00:27:46.90\00:27:49.96
Proverbs 21:5 says
"The plans of the diligent
00:27:50.00\00:27:53.03
lead to profit as
surely as haste leads
00:27:53.07\00:27:55.77
to poverty... be intentional
00:27:55.80\00:27:57.84
with your finances... pay
your tithes and offerings,
00:27:57.87\00:28:00.21
support
ministries like Dare to Dream
00:28:00.24\00:28:02.48
and have a plan...
May God bless you...
00:28:02.51\00:28:04.65
tune in next time... It
just wouldn't be the same
00:28:04.68\00:28:06.68
without you...
00:28:06.72\00:28:08.72