Earn Your Leisure

In this insightful Market Mondays clip, Rashad and Troy dive into Google’s evolution as an AI powerhouse, its strategy in the competitive tech landscape, and why it might just be one of the quiet leaders in artificial intelligence. The discussion starts with Rashad asking if Google is a sleeper AI company. Troy responds by praising Google’s flawless execution and adaptability, especially when Apple lost its focus. The duo highlight how Google invested in AI, redefining its approach to innovation and solidifying its presence as a tech titan. The clip explores Google’s strategic moves, such as the anticipated pipeline reduction in search pages and the company’s potential new deal with Apple to serve as the primary search engine. Rashad shares how industry insiders foresaw the arrival of major AI products from Google and how he benefited by making smart investment choices based on these trends. The hosts also discuss Gemini, Google’s standout AI product, and its continuous improvements, alongside other innovations like VO3. Troy draws comparisons to Netflix’s move to stop password sharing, emphasizing how data is the new oil and Google owns the pipeline and refineries. They reflect on Google’s powerful earnings, impressive product rollouts, and dominance in both AI and traditional search, underscoring how every innovation from Google prompts competitive responses in the tech sector. In a forward-looking segment, Rashad and Troy touch on the potential integration of Google’s AI technologies with YouTube, which could transform content creation for millions. They salute Google’s team for their ongoing innovation, while wishing Apple had taken a similar path. If you’re interested in the latest AI breakthroughs, competitive strategies in big tech, and how innovation is reshaping the digital landscape, this clip is not to be missed! *Hashtags:* #MarketMondays #GoogleAI #ArtificialIntelligence #TechInnovation #AILeadership #GeminiAI #YouTubeAI #SearchEngine #AppleVsGoogle #TechTalk #Innovation #BigTech #Finance #Investing #RashadBilal #TroyMillingsSee omnystudio.com/listener for privacy information.

In this captivating video, join the rising artist Symba as he opens up about the life-altering journey he took to Africa. Delve into the rich experiences and cultural revelations that deeply impacted him and led him to reassess his values and lifestyle choices. One significant transformation Symba shares is his decision to stop wearing jewelry, reflecting a shift in his priorities. Through vivid stories and heartfelt reflections, Symba paints a picture of the vibrant cultures, traditions, and landscapes that touched his soul. Whether you are a fan of Symba or someone who loves travel stories, this video is a treasure trove of insights into personal growth and the power of embracing new cultures. #SymbasJourney #LifeTr ansformation #CulturalAwakeningSee omnystudio.com/listener for privacy information.

In this thought-provoking clip of *Black Out with Ian & Rashad*, Rashad Bilal and Ian Dunlap break down Donald Trump’s headline-grabbing proposal for a 50-year mortgage. Would a mortgage plan stretching across half a century actually help homebuyers—or is it just another win for the banks? Rashad and Ian don’t just debate the policy; they get real about how most Americans use their homes, why people rarely stay the full 30 years, and how monthly payments might change with a longer loan term. Rashad argues there’s a strategy here: use a lower monthly payment to get a foot in the door, build equity, and plan your exit from day one. Ian, meanwhile, gets straight to the point: these mortgage products are designed to benefit the banks, not the buyers—and without discipline, most folks won’t invest their savings but instead boost their lifestyle spending. The conversation weaves through home appreciation, investing strategies, and why every homeowner needs an exit plan before they even move in. Whether you’re thinking about buying, already own a home, or just want to know how today’s policies might affect your wallet, don’t miss this honest, practical take. Hit play, and join the discussion! Would you take a 50-year mortgage if it meant you could afford the home you really want? Or is it a wealth-building pitfall? Let us know your thoughts in the comments. *Hashtags:* #RealEstate #TrumpMortgage #BlackOutPodcast #RashadBilal #IanDunlap #PersonalFinance #WealthBuilding #HomeOwnership #MortgageTips #FinancialLiteracySee omnystudio.com/listener for privacy information.

Welcome to Market Mondays! In this thought-provoking clip, Rashad Bilal, Troy Millings, and Ian Dunlap break down the fundamentals of FICO—your adult "transcript"—and explore why understanding your credit score is more important than ever. Whether you’re just starting your financial journey, rebuilding, or leveling up, this segment’s “building block, corner” is packed with essential insights! Rashad Bilal shares how explaining FICO to his son made him realize that your credit score is truly your adult report card, shaping everything from your ability to buy a home, lease an apartment, land a job, or finance a car. Troy Millings calls FICO your “financial trust score,” noting how crucial it’s become even for career opportunities. Ian Dunlap points out that FICO isn’t just a score—it’s a public company (Fair Isaac Corporation), and its stock performance tells a story of monopoly power and skyrocketing growth since its IPO in 1987. Dig into the business side as Ian Dunlap reveals how FICO actually earns its billions by licensing the credit score algorithms, not directly selling scores, and how economic cycles—like low interest rates—can supercharge its profits. You’ll hear about how FICO’s stock price exploded after 2010, paralleling changes in credit reporting’s importance after the Great Recession and new legislation. The trio also ties credit’s cultural impact to music, echoing Wu-Tang’s “Cash Rules Everything Around Me”—but now, as Rashad Bilal says, “Credit rules everything around me.” Learn how the shift to a cashless society has made understanding and managing your credit more vital than ever. They even shout out iconic artists like Clipse and discuss how staying sharp and following trends (even in music!) intersects with financial literacy and generational wealth. Whether you’re curious about why FICO matters, how its monopoly works, what’s changed since the ‘80s, or how credit touches every aspect of modern life, this clip delivers the essentials. Tune in for practical knowledge, cultural connections, and expert takes from Rashad Bilal, Troy Millings, and Ian Dunlap. *Don’t miss:* The hidden monopoly behind FICO’s business Why your credit score shapes your future, career, and finances How shifts in culture and technology made credit king FICO’s stock market success story Real-world tips on building credit and wealth *Subscribe for more insights on money, markets, culture, and wealth creation every week!* #MarketMondays #CreditScore #FICO #FinanceTips #Investing #FinancialLiteracy #RashadBilal #TroyMillings #IanDunlap #WealthMindset #StockMarket #CulturalImpact #BuildingBlocks #ClipsNotEpisodesSee omnystudio.com/listener for privacy information.

This week on Earn Your Leisure, we sit down with two cultural powerhouses — Venus X and Stanley Lumax — for a masterclass on credit, culture, creativity, and building real financial foundations. We break down why the EYL x Chase Freedom Rise partnership matters and how it’s creating new pathways for young adults to build credit early. We talk about the biggest credit mistakes people make—especially during their college years—and why having money means nothing without discipline and a strong credit profile. Venus X takes us deep into the business behind being a celebrity DJ, from branding and scaling to creating value in a way that impacts entire communities. Stanley Lumax shares the strategy behind building culture-forward businesses and why proving your work ethic to financial institutions can unlock life-changing opportunities. We also discuss how parents can give their kids a credit head start, why budgeting is crucial, and the most common financial regrets people have later in life. Whether you’re a creative, entrepreneur, or student trying to get your money right, this episode delivers game you can use immediately. #EarnYourLeisure #EYL #VenusX #StanleyLumax #ChaseFreedomRise #FinancialLiteracy #CreditEducation #DJBusiness #CultureCreators #Entrepreneurship #WealthBuilding #MoneyManagement #CreditTips #BusinessOfCultureSee omnystudio.com/listener for privacy information.

In this insightful Market Mondays clip, Rashad Bilal, Ian Dunlap, and Troy Millings break down the crucial mistakes to avoid right after achieving millionaire status—and share what you should do instead. Whether you’re just starting your financial journey or you’ve already crossed seven figures, this is a must-watch for building sustainable wealth. Rashad Bilal emphasizes the importance of not making large purchases (including a primary home or luxury cars) immediately after accumulating your first million. He explains why buying a single-family home can quickly turn that financial progress into new liabilities, and why it’s smarter to keep your cash accessible and prioritize acquiring assets that grow your wealth. Ian Dunlap offers practical steps for maintaining your financial edge—like avoiding “lifestyle creep” until your net worth reaches $11 million, staying debt-free, and focusing on investments that can never go to zero. He gets real about the emotional journey: the rush of making your first million fades, so it’s crucial to concentrate on growing your fortune and happiness, not just your bank balance. Troy Millings shares his personal blueprint, describing how he continued to live below his means and kept his housing costs minimal—even after hitting the million mark. Troy talks about strategic investing, not rushing into big purchases, and using discipline to keep growing his wealth. He encourages viewers to be hyper-vigilant about how they manage, respect, and protect their money, especially in uncertain times. The trio also touch on why certain classic status symbols—like diamonds and luxury watches—typically aren’t smart investments, especially with new technology and shifting markets transforming their value. *What you’ll learn in this clip:* Why your first million isn’t the finish line—and what really matters next The dangers of rapid “lifestyle upgrades” (and how to avoid going broke) How multifamily real estate and smart renting can be better wealth moves than buying a flashy house Tax strategies, asset protection, and avoiding financial traps that target the newly wealthy The declining value of luxury assets like diamonds and cars—and smarter things to do with your money Whether your goal is to hit seven figures or multiply it, let Rashad Bilal, Ian Dunlap, and Troy Millings guide you through the mindset, habits, and strategies for lasting success. *Subscribe for more Market Mondays insights!* #MarketMondays #WealthBuilding #FinancialFreedom #RashadBilal #IanDunlap #TroyMillings #MillionaireMindset #MoneyManagement #Investing #PersonalFinance #Clip --- Watch, learn, and level up your financial game with every Market Mondays clip!See omnystudio.com/listener for privacy information.

Welcome to a brand new clip from Market Mondays! In this insightful conversation, Rashad Bilal connects with David Shands and Ian Dunlap to discuss the emotional ups and downs of trading options, the importance of having an exit strategy, and how new traders can navigate the roller coaster of market sentiment. David Shands shares his real-time journey as a content creator stepping into options trading, walking us through his experience with AMD calls and the lessons he learned from previous earnings season traumas (Netflix, anyone?). The hosts dig deep into essential strategies, highlighting why setting profit targets and mapping out positions before investing is crucial for long-term success. Ian Dunlap breaks down the logic behind buying time, analyzing sector sentiment for semiconductors, and explores the bullish momentum around AI stocks like AMD, Nvidia, and ASML. This clip isn’t just about numbers—it’s about mindset. Whether you’re wondering when to sell, how to use AI like ChatGPT as a mentor, or what kinds of daily briefings can help you stay on top of your investments, you’ll find practical advice here. See how David’s journey reflects the experiences of so many new traders, and how thoughtful planning can help you avoid rookie mistakes, take profits, and grow your confidence. Don’t miss the moment where Ian talks about stacking options, leveraging innovation cycles, and accounting for tax implications in your investing decisions. Plus, find out which stocks David currently holds in his portfolio, and some candid discussions about missed Bitcoin opportunities and lessons learned! If you’re an options newbie or seasoned investor looking for community, mentorship, and real trading stories, this Market Mondays clip delivers wisdom, laughter, and learning. *Drop your thoughts and trading questions in the comments below! Make sure to subscribe for more clips following real journeys and actionable advice from Market Mondays.* *Hashtags:* #MarketMondays #OptionsTrading #StockMarket #TradingJourney #AMD #Nvidia #ASML #Investing #FinancialFreedom #IanDunlap #RashadBilal #DavidShands #Crypto #Bitcoin #AIStocks #PortfolioBuilding #WealthMindsetSee omnystudio.com/listener for privacy information.

In this powerful clip of EYL Rashad Bilal and Troy Millings dive deep into the remarkable yet heartbreaking story of Wally Amos—the creator of the iconic Famous Amos cookies. From his trailblazing start as the first Black talent agent at William Morris Agency, guiding legends like Diana Ross and Marvin Gaye, to building a cookie empire on Sunset Boulevard, Amos’s journey seemed destined for greatness. But success came with challenges. As the business grew, so did the complications: mismanagement, lack of mentorship, and rapid scaling all played a part in unraveling everything Wally had built. In a shocking turn, after selling his multi-million dollar business for a fraction of its value, Amos lost not only his company but also the legal right to use his own name or likeness for any future ventures. Find out how Amos’s struggle mirrors timeless lessons in entrepreneurship—highlighting the critical importance of understanding business fundamentals, legal trademarks, and the impact of trusting others with your finances. Rashad Bilal and Troy Millings also shed light on familiar stories of financial mishaps among celebrities and business owners, emphasizing why every creator, artist, and entrepreneur must actively safeguard their brand and legacy. Despite countless obstacles—financial losses, lawsuits over his name, and battles with depression—Wally Amos’s original love for baking endures. Today, he's found new hope inspiring others and sharing his Aunt Della’s cookie recipe, never letting circumstances define his spirit. If you’re an aspiring entrepreneur or simply love a moving real-life story, this episode will leave you with invaluable takeaways about resilience, ownership, and learning from the past. Don’t miss this compelling lesson on business, branding, and personal legacy. **Key themes:**  - The rise and fall of Famous Amos cookies  - Wally Amos’s groundbreaking career and setbacks  - Trademarks, licensing, and the legal side of business  - The dangers of mismanagement and unchecked trust  - Lessons all entrepreneurs need to hear Don’t forget to like, comment, and subscribe for more insightful conversations and powerful life lessons from *Black Out with Ian & Rashad*! **#FamousAmos #BusinessLessons #WallyAmos #Entrepreneurship #BlackOutPodcast #BrandBuilding #Ownership #TrademarkLaw #LifeLessons #CookieEmpire #BusinessFailure #Resilience**See omnystudio.com/listener for privacy information.

In this clip of Market Mondays, Rashad Bilal and Troy Millings dive deep into the world of crypto, power, and politics. Starting with a comparison between Trump, Kanye, and Elon Musk, the conversation quickly explores how influential figures often rely on high-level advisors and sound bites rather than in-depth knowledge. Rashad Bilal shares insights into Trump’s handling of crypto topics like Bitcoin and Binance, revealing how the former president deflects detailed questions and spins challenges to his advantage. Troy Millings joins in to discuss the reality that many investors—even billionaires—often lack real understanding of their assets, highlighting that deploying capital can matter more than mastering every technical detail. The clip further unpacks why those in positions of power, from political leaders to sports team owners, trust advisors and how this dynamic has led to financial scandals like Bernie Madoff’s Ponzi scheme. Together, the hosts reflect on policy decisions, protecting oneself with plausible deniability, and the strategic ignorance at the highest levels of business and government. They talk about the murky origins of Bitcoin and how most people, including major investors and leaders, would probably fail a Bitcoin quiz. The discussion closes with reflections on how misinformation and trusted circles shape decision-making in finance and politics—raising important questions about who actually holds knowledge and power in the markets. Whether you’re curious about how world leaders handle crypto, or want to understand the dynamic between knowledge and investing, this Market Mondays clip is a must-watch! **Hashtags:** #MarketMondays #CryptoTalk #Bitcoin #Investing #Trump #Binance #FinancialAdvisors #PonziScheme #KanyeWest #ElonMusk #PoliticalPower #BitcoinQuiz #CZ #SamBankmanFried #FinanceDiscussionSee omnystudio.com/listener for privacy information.

In this insightful clip from EYL, MG The Mortgage Guy joins hosts Troy Millings and Rashad Bilal to illuminate creative strategies for saving big on real estate development and home renovation. Are you paying too much for contractors? Wondering if there’s a smarter way to do your due diligence before diving into your next big project? This conversation is for you! MG The Mortgage Guy shares how getting multiple quotes and leveraging technology—especially AI tools like ChatGPT—can help you understand contractor pricing, break down labor and material costs, and even identify the top-rated local companies. He details his own methods for negotiating better deals, from uploading quotes for AI analysis to conducting deep market research before making any decision. Rashad Bilal dives into the trending “China play,” spotlighting his personal journey to source home furnishings and construction materials directly from Chinese manufacturers. Whether you’re furnishing a new home or developing multiple properties, Rashad explains how connecting with reputable suppliers overseas can lead to substantial savings—sometimes cutting costs by 30-50% or more, without sacrificing quality. If you’re a developer, imagine multiplying those savings across several homes or even commercial properties, and boosting your bottom line without lowering your property value. The conversation also touches on best practices for international sourcing, including the importance of local contacts abroad and understanding specialized vs. multi-line suppliers in manufacturing hubs like Foshan. Rashad and MG emphasize that you don’t always have to travel to China; having a trustworthy partner on the ground can help navigate the process to maximize benefits. Troy Millings rounds out the discussion by highlighting the scalability of these strategies—not just in residential construction but for commercial projects like hotels, where bulk manufacturing leads to huge upfront savings and greater long-term profits through nightly rates. Whether you’re a homeowner, an aspiring investor, or a seasoned developer, this clip is packed with actionable insights on harnessing both technology and global sourcing to work smarter, save more, and achieve maximum impact in today’s volatile market. ▶️ Hit play to learn how to: Compare and negotiate with contractors using AI Tap into international markets for bulk and custom deals Avoid common pitfalls when sourcing goods from China Scale your savings for larger developments or commercial properties Don’t forget to comment if you want to see a full panel on the “China play” at Invest Fest! *#EYL #RealEstate #AI #ChinaSourcing #Construction #HomeImprovement #InvestFest #WealthBuilding #Innovation #Entrepreneurship* Subscribe for more wealth-building game from the Earn Your Leisure crew!See omnystudio.com/listener for privacy information.

In this episode of Earn Your Leisure, we sit down with legendary music executive Dre London, the man who discovered and managed Post Malone for over a decade. Dre breaks down how he found Post in 2014 at a content house, invested his own money to shoot “Graduation,” and helped turn “White Iverson” and “Rockstar” into global hits.   He shares insider lessons on music management, how to navigate fame and money requests, and why knowing how to manage a budget can scale any business. Dre also dives into his latest venture, Don Londrés Tequila — from finding the perfect tequila to building relationships in the spirits industry and hitting $2 million in sales within its first 18 months.   From the UK music scene to building generational wealth, Dre London’s story is a masterclass in belief, hustle, and vision.   #EarnYourLeisure #PostMalone #DreLondon #DonLondresTequila #WhiteIverson #Rockstar #MusicBusiness #FinancialFreedom #WealthBuilding #Entrepreneurship #MusicIndustry #EYL #Culture #Business #TequilaBusiness #GenerationalWealthSee omnystudio.com/listener for privacy information.

Unlock your path to financial wholeness with Tiffany "Budgetnista" Aliche! In this episode, Tiffany breaks down her 10 essential steps to financial freedom—what she calls "financial wholeness." Whether you’re just starting out or looking to strengthen your foundation, she shares practical advice and real-life stories that can transform your relationship with money. Tiffany, a self-made millionaire, entrepreneur, and educator, discusses why mastering the basics—budgeting, saving, debt management, and more—is crucial for true financial security, regardless of your income. She explains the importance of tools like insurance, building net worth, putting together a trusted money team, and estate planning to ensure your wealth lasts for generations. Throughout the video, Tiffany and host Rashad Bilal keep it real about what it takes to build wealth you can actually keep. Learn the difference between being debt free and truly wealthy, why credit is a powerful lever, and how fundamental habits form the deep roots of lasting success. Tiffany shares insider tips on umbrella insurance, retirement investing, choosing financial professionals, and setting up your legacy. Whether you want to stop feeling overwhelmed by money or take your finances to the next level, this conversation is packed with actionable steps, powerful analogies, and inspiration. Don’t miss out—this is your crash course in building a rock-solid financial foundation! 👇 Drop your favorite tip in the comments and hit subscribe for more conversations about wealth, business, and legacy. Grab Tiffany’s book: [Get Good With Money](https://getgoodwithmoney.com)  Follow @budgetnista for more tips! #FinancialFreedom #Budgetnista #MoneyManagement #PersonalFinance #WealthBuilding #FinancialLiteracy #Investing #Insurance #DebtFree #EYL #MarketMondays #FinancialWholeness #GenerationalWealth #MoneyTeam #FinanceTipsSee omnystudio.com/listener for privacy information.

In this Market Mondays clip, Rashad Bilal, Ian Dunlap, and Troy Millings dive into the nuanced world of trading futures, options, and equities, sharing hard-earned wisdom about stop losses and trading psychology. Ian explains why setting a stop loss that's too tight can sometimes hurt you more than having none at all—citing real examples where traders missed big gains due to overly cautious exits. Troy shares practical insights from his own options trades, discussing thresholds, volatility, and adjusting your strategy based on the company you’re dealing with, whether it’s Nvidia or Microsoft. Together, the hosts talk about the importance of having a clear plan before entering any trade—knowing your entry point, exit, maximum loss, and profit target. They emphasize that trading isn’t just about numbers, but also about mindset: comparison, fear of missing out (FOMO), and the psychological impact of watching others post their wins on social media. Rashad weighs in on running your own race and reminds us not to let other people’s gains dictate our strategy. Tune in for relatable stories, actionable tips, and that signature Market Mondays mentality: focus on your goals, your education, and your own long-term vision in the market. Don’t let fear or comparison ruin your trades—trade smarter, not harder. 👇 Drop your thoughts and trading strategies in the comments! Have you ever experienced a stop loss regret or let FOMO influence your decisions? Let’s discuss! **Hashtags**: #MarketMondays #FuturesTrading #StopLoss #OptionsTrading #TradingPsychology #InvestingTips #RiskManagement #IanDunlap #RashadBilal #TroyMillings #FinanceEducation #RunYourOwnRace #TradingPlan #StockMarket #OvercomingFOMOSee omnystudio.com/listener for privacy information.

Welcome to Market Mondays! In this episode, Rashad Bilal dives into Amazon’s headline-making announcement of its largest layoffs ever—up to 30,000 jobs—and explores what this move means for investors and the future of work. Is this the start of a new era of efficiency driven by robotics and automation, or a troubling sign for growth investors? Rashad Bilal unpacks the complex implications, noting that while Amazon’s hard pivot toward efficiency mirrors trends initiated by industry leaders like Elon Musk and OpenAI, it also signals ripple effects across the entire job market. With Amazon planning to avoid hiring an additional 180,000 workers by 2027, Rashad discusses how these decisions could forever reshape the corporate landscape. The episode also analyzes key areas that investors should watch in Amazon’s upcoming quarterly report, from AWS performance and advertising growth to international e-commerce expansion. Rashad Bilal breaks down how profitability—especially the improvements in Amazon’s net margin from 5% to over 10%—is being achieved amid rising capital expenditure in AI and automation. These changes underline Amazon’s play for long-term dominance at the expense of traditional workforce structures. Tune in for a balanced take on Amazon’s strategy: the double-edged sword of short-term pain for employees versus stronger cash flow and stock performance for investors. Rashad Bilal also highlights why Amazon remains a personal favorite in his portfolio and why understanding these shifts is crucial for anyone interested in the intersection of technology, investing, and the future of corporate America. Don’t miss this insightful breakdown of one of the world’s biggest companies at a pivotal moment. Subscribe and join the conversation on Market Mondays! *Key Topics Covered:* Amazon’s massive layoffs: headline versus deeper impact Robotics, automation, and the efficiency era How Amazon’s strategy is setting trends for other corporations The role of AI in workforce and profitability shifts What investors should watch for in Amazon’s report Analysis of AWS, advertising, and global expansion Net margin improvements and long-term growth implications *Hashtags:* #MarketMondays #AmazonLayoffs #TechInvesting #EfficiencyEra #Automation #AWS #AITrends #StockMarket #AmazonStock #CorporateLandscape #GrowthInvesting #FinancialNews #RashadBilalSee omnystudio.com/listener for privacy information.

In this clip of Market Mondays, host Ian Dunlap sits down with financial literacy powerhouse John Hope Bryant to break down the crucial steps needed to build strong institutional relationships—especially if you’re starting from scratch. John Hope Bryant wastes no time laying out the real foundation: get your credit score up to at least 700! He explains why having good credit isn’t just a personal milestone, but a fundamental requirement for anyone looking to play in the big leagues of business and finance. Drawing from the Hope Financial Wellness Index, Bryant shares how the average credit score for Black Americans hovers around 620—and how improving that number is the key to opening new doors. Ian and John dive deep into practical advice: Instead of wandering into your neighborhood bank branch, seek out the regional or chief credit officer at a community or mid-sized bank, where decision-makers are more accessible. They dish out insider tips on approaching these professionals—don’t go in with just a transaction in mind. Instead, focus on genuine relationship-building. Personal rapport trumps bravado every time. This conversation uncovers the power of relationship capital: why Harvard, country clubs, and elite initiatives function as lifelong “clubs” that drive opportunity. If you’re wondering why boardrooms often seem exclusive, Ian unpacks the concept of discrimination versus racism and challenges viewers to “break up the comfort” and get in the room where decisions are made. Finally, John and Ian discuss their own business journeys, with John opening up about building and selling a $150 million real estate portfolio and the lessons learned from joint ventures and relinquishing control. If you’re serious about transforming your financial future—especially within Black America—this clip is a must-watch. Learn how financial literacy, AI knowledge, and networking “up the ladder” can reshape your path in just five years. *Key topics in this clip:* Building your credit score to access big deals How to approach mid-tier banking executives for real connections The importance of storytelling and genuine rapport in business Relationship capital: Harvard, country clubs, and the “club” mentality Discrimination vs. racism in hiring and networking Real-life real estate and business lessons from John Hope Bryant The urgency of financial and AI literacy as modern civil rights issues Whether you’re a budding entrepreneur, aspiring investor, or simply want practical steps to connect with powerful institutions, this Market Mondays clip gives you the blueprint. *Make sure to like, comment, and subscribe for more sharp financial insights every Monday!* #MarketMondays #FinancialLiteracy #JohnHopeBryant #IanDunlap #RelationshipCapital #BusinessNetworking #CreditScore #BlackWealth #FinancialWellness #RealEstate #AIGeneration #WealthBuilding #Entrepreneurship #NetworkingTips #CommunityBankingSee omnystudio.com/listener for privacy information.

In this insightful clip from EYL, MG The Mortgage Guy joins Troy Millings and Rashad Bilal to break down creative real estate hacks that can help you qualify for a mortgage and scale your income—especially if you’re not navigating the process alone! Discover how you can leverage roommate (or "border") income, even if it's a boyfriend, girlfriend, or college roommate, to boost your mortgage qualification. MG explains Fannie Mae’s Homeready program, which lets you use documented rental payments from roommates to strengthen your application, as long as you’ve collected proof over at least 9 of the last 12 months. The clip dives into the vital importance of documentation—leases, payment records with memos clarifying "rent," and making sure everyone’s on board. They also discuss common scenarios, like living with a partner (who isn’t on your lease), and how putting everything in writing can unlock significant buying power, all while keeping your finances and future flexibility secure. Graduating college soon? MG reveals a little-known hack: you can use your college history as work history for mortgage qualification, and if you’ve collected rent from roommates (with all the right paperwork), that’s extra income to help you buy your first home right after graduation! For those interested in maximizing every opportunity, they touch on leveraging an ADU (Accessory Dwelling Unit) for long- or mid-term rental income, and how areas near hospitals, airports, or New AI data centers can create lucrative mid-term rental plays—ideal for traveling professionals, corporate consultants, or construction workers on multi-month assignments. Whether you have a pool to rent out (think Swimply), extra space in your home, or are just getting started, this strategy-packed clip is a must-watch for anyone looking to house hack, generate additional income, or simply make smarter real estate moves. Hit play to learn how better documentation, teamwork, and a little creativity can make real estate investing more accessible than you ever thought possible! *#RealEstate #HouseHacking #MortgageTips #EYL #RoommateIncome #ADU #HomeBuying #FinancialFreedom #Swimply #Investing #CollegeHacks #WealthBuilding*See omnystudio.com/listener for privacy information.

Welcome to Market Mondays! In this special clip, Ian Dunlap joins hosts Troy Millings and Rashad Bilal for a deep dive into successful, long-term investing—specifically Ian’s “2Tech2 Index” approach. If you’re seeking clarity on building wealth through investing, this is the discussion you can’t afford to miss. *What’s the “2Tech2 Index” Strategy?* Ian breaks down his simple yet powerful philosophy: You only need four essential companies or assets to achieve financial success. The formula? Anchor your portfolio with two trusted index funds (VOO and VTI) and complement them with two technology giants (Microsoft and Apple). This blend aims to capture broad market growth while focusing on proven tech leaders—making investing easy, straightforward, and effective for anyone. *Crash-Proof Investing & Market Timing Myths* Are you one of the many waiting for a massive market crash to “buy the dip”? Ian has a wake-up call: Most investors won’t have the nerve (or timing) to jump in at rock-bottom prices. Instead of holding cash on the sidelines, Ian insists that regularly investing—especially in companies with strong fundamentals like Nvidia, Microsoft, and others—will serve you much better over time. Historically, some companies actually “melt up” in value while broader markets decline, providing rare opportunities for focused investors. *Investing for Decades, Not Days* Ian, Troy, and Rashad stress that any investment strategy should be solid enough to last for 30 years, not just a year or two. Chasing trends or making frequent strategy changes typically leads to worse outcomes. The bond market may have worked in the past, but today’s environment favors equities—especially dominant US tech firms. *Themes Covered in This Clip:* Why you only need four assets to build lasting wealth The critical role of index funds and top tech stocks Market drops, crashes, and why timing them is nearly impossible The US/China tech war and how it impacts markets The importance of sticking to a consistent investment strategy Whether you’re a new investor or an experienced market participant, this conversation provides actionable insights into portfolio construction and the mindset needed for long-term financial growth. No jargon, just straight talk from the Market Mondays crew! *Drop your thoughts in the comments if you’ve used the 2Tech2 Index—and let us know which companies anchor your investment journey!* *Hashtags:* #MarketMondays #Investing #2Tech2Index #IndexFunds #TechStocks #IanDunlap #Microsoft #Apple #Nvidia #StockMarket #WealthBuilding #PersonalFinance --- Subscribe for more clips and actionable investing wisdom every week!See omnystudio.com/listener for privacy information.

In this week’s episode of Earn Your Leisure, we sit down with Live Alkaline Water, the first Black-owned bottled water company in Walmart, to uncover how two brothers turned a 400-year-old natural spring into a multi-million dollar business. 💧 From meeting EYL at a networking event to becoming the official water sponsor for Invest Fest, their story is a masterclass in execution, strategy, and turning opportunity into ownership. We break down the step-by-step process of bottling water, how they secured their first major deal, and what it really takes to build trust and partnerships that last. We also dive deep into the $300 billion bottled water industry, the science behind alkaline water, why glass bottles are superior, and how LiveAlkalineNC plans to scale globally while staying rooted in family and community legacy. If you believe in faith, business, and legacy — this episode will inspire you to start where you are and build something everlasting. 🌍 #EarnYourLeisure #LiveAlkalineNC #InvestFest #BlackOwnedBusiness #Entrepreneurship #FinancialFreedom #WaterIndustry #EYL #Networking #BusinessGrowth #Ownership #Legacy #WealthBuilding #Motivation #InvestInYourselfSee omnystudio.com/listener for privacy information.

In this Market Mondays clip, Rashad Bilal, Ian Dunlap, and Troy Millings break down Elon Musk’s unprecedented $1 trillion compensation proposal at Tesla. Musk, currently the richest person in the world, has requested a payout package with ambitious benchmarks—he only stands to earn the $1 trillion if Tesla reaches an astounding $8.5 trillion valuation, far above its current worth. The conversation covers the stakes of this deal, Musk’s influence on Tesla’s success, and the implications for shareholders. Tune in as the hosts debate whether one person should hold so much power and value in a company. Is Tesla’s success all about Musk, or does the company provide real innovation that can stand the test of time? The clip draws historical parallels, discussing Steve Jobs’ ousting from Apple and Warren Buffett’s impact on Berkshire Hathaway, all to ask: What happens when a visionary leader steps away? The hosts also explore Musk’s vision for Tesla, which now goes beyond cars into robotics and AI, and consider how much Tesla’s value depends on Musk himself. If you’re a Tesla investor, find out what this vote could mean for you—and for Tesla’s future. Don’t miss this insightful clip as the Market Mondays crew discusses: The $1 trillion compensation package and its benchmarks Musk’s negotiation tactics and threats to walk away The dependence of Tesla’s value on Musk’s leadership Sentiment vs. fundamentals in Tesla’s stock performance Historical lessons from other visionary CEOs What’s next for Tesla beyond Elon Musk If you own Tesla stock, you might have a say in this game-changing decision! Get the full scoop and join the discussion with Market Mondays. *Hashtags:* #ElonMusk #Tesla #MarketMondays #TrillionDollarDeal #StockMarket #Investing #VisionaryLeaders #Compensation #TeslaInvestors #BusinessNewsSee omnystudio.com/listener for privacy information.

In this insightful clip from "Black Out with Ian & Rashad," Rashad Bilal sits down with legendary rapper and actor Joey Bada$$ to talk about one of the most essential aspects of life—family. Joey Bada$$ opens up about his journey as a young father and partner, reflecting on lessons from his childhood and how those experiences shape the way he approaches relationships today. Joey shares how growing up in a big, close-knit family inspired the community mindset he carries into adulthood. Yet, he also reveals the gaps he noticed around examples of healthy romantic love—sparking his commitment to building something new with his fiancé. He talks candidly about their personal growth, teamwork, and intentional approach to their relationship, including their unique practice of holding “meetings” to set and review goals together, both for themselves and their growing family. This conversation is packed with wisdom for anyone navigating life, partnership, or parenthood in today’s world. Joey draws parallels between business contracts and relationships, emphasizing the importance of communication, setting non-negotiables, and being clear about values and long-term vision. He explains why he’s upfront about his intentions and challenges his partner to do the same—so they can build a meaningful future instead of “floating in space.” If you’re seeking guidance on how to create lasting bonds, foster healing within your family, or simply want to hear how a celebrated artist balances career with deep personal growth, don’t miss this clip! *Watch now to hear:* Joey Bada$$ on fatherhood and what being “family oriented” means today Why business tactics—like meetings and clear contracts—can help build a strong relationship The importance of picking a partner in alignment with your values and vision Tips for intentional communication and making progress as a couple Insights into breaking generational cycles and creating new legacies *Timestamps:* (Available upon request—if you’d like specific segments, let us know in the comments!) *Hashtags:* #JoeyBadass #BlackOutPodcast #Fatherhood #ModernManhood #FamilyLegacy #Relationships #CommunityHealing #BlackLove #PodcastClips #RashadBilal #IntentionalLiving #PersonalGrowth #GenerationalChangeSee omnystudio.com/listener for privacy information.