How Many Lives Must We Lose?!

my gender was pre selected as gender nonconforming. And I was like, it's very interesting that someone that the system shows that for me. Yeah. I was just there. I'm like that, I mean, you know, obviously I'll support our gender knock conformant, but I still would like to choose female, and they put not gender knock conform and I was sticking to myself, this is it's interesting that it's a preselection.

Yet it is interesting that not only is their preselection, but the preselection something that it's so many things that's been happening I've had. Let me tell you something, my son,

this is what I have learned. You have to be really really on top of your business, because at one point someone was um charging or moving somehow payments or money in in increments of nineteen thousands of change from my account, but the system was blocking them, and then I had to put these controls on my account that stops everything. So now every damn thing I do, things are not going. You know, I gotta go in, I

gotta click the thing and agree to this payment. Because this was happening over some time, and if it was not for the fact that the system was kicking it back, it would have been gone. Because however, this person or this whatever it is, had the situation set up. It was like working like because you could see the money was coming out of my available balance. It was like really something serious. And they did it more than one time.

Oh I know how to how how we found out there wasn't nineteen thousand dollars in there at one point, so there was like a negative thing and I'm like, what is what is this? I would you know, I didn't try to spend that kind of money, And it was actually because they had and they had tried before. No, they never got it. Each time it did not clear.

But this time there was more of an alert because it holds it for two days and then it'll bounce back in so that happen, and I obviously didn't know, right because you know how you try to leave your money and don't freaking spend it like this is the biggest challenge in my life is not spending your money, trying to save my money. And so I didn't I

wasn't checking. And then the next time, because of the fact that there was not enough money to cover that type of transaction, is set off other alerts that I have, and they sent me messages and I'm like what nineteen, Like you know, it was like the apocalypse happened in my life, Like what are you talking about? And when I went and then you know, they look back and they saw. So the point is that you have to

check your balance regularly. You gotta check your balance. You have to make sure you know exactly how much money you have in your in the bank and your investment accounts. You know, now investment accounts is a little bit different because I've been told you kind of put it, leave it and just let it grow. But every now and then you still need to check to see what's going on,

because you know, you have to. You have to know, like you might have made a whole lot of money too and have no idea that you're you're up, and if you up, some people feel like, while I'm up, let me take at least what I put in out or some portion of what I put in out and leave the rest, you know, and leave and leave the rest. So you know, it's it's you have to be. You have to monitor. You can't just in the game with two toes like you have to be in it all

the way. And it's a lot of things. Taking care of your body, taking care of you know, your your everything, your job. It's a lot of responsibility. So it is, and it's a lot. Being grown is the hardest job in that yo. It's just remember I could do what I want to do now, I don't want to do none of the ship that I want to do because I want to do coach with payments, spending money in it.

It's like it's like every day out and then getting up at a certain time and doing this man and being doing this, and if you don't do what, you're nothing. And when you yell, you could just sleep or whatever, or you can have days to open the food seal was gonna get on the table and we'll get done. And you didn't. You thought like we just told the

magic card. Imagine it was different. The little kid on Instagram he's like, um, he's like, yeah, you know, Mom, just the car, the free money on the car you give them the card is magic. No, it's not, it's not. It's not. And as I prepared to be a grandma and you are already a grand ca your g pop. Yeah,

I'm gonna be grandma. I just look at the young people that are having these children, and I and my mom, you know, my mom is you know, I'm honestly realist, and I'm like these young kids, I'm I'm like, the kids, ain't that y'all? They're twenty three years old? That is not that young. Eighteen That was y'all seventeen sixteen three. These are people have to stand on up and dan do they visit? And I said, I don't think they can do She said, well, why could you do? I

don't come I could do it? What do you mean the world does it. They're gonna do it. They're gonna do it. But I feel for them because they don't he approcreating and they're gonna figure it out. It's on the job training training, Like you're gonna have to figure it out. You're gonna get a couple of shitty pampers. You're gonna be not sleep, you're gonna be stressed out, you will miss you. You want to do that. There's enough. But they got they showed a baby. There's a little

video there's the guys lifting his baby up. He's so cute, and the baby pistons everywhere out the pan the pampers on. But you know, if you have the baby a board a male child's penis the wrong way in the pamper, then come out of that ship. I don't have a couple of those pampers when everywhere you could close, it's a lot. And that's the that. If it was just peeing on you and pooping on you, that be fine.

It's a whole other situation. It's crying. It's got to feed is you don't know why they're crying, hysterically crying. It's all types of ship. You're just trying to figure it out there. There's so much to happen. So what is going on? I tell you so? First of all, helped me understand this the sex trafficking thing that happened in Georgia. Okay, so this this is what I don't understand. Let me, let me, let me get this straight, because I really need it to be. But I don't need

to just because I don't say that. Okay, So so I just you know, we have things. Shout out to Precious who gives us a strong rundown so we can be on point and not just talking. Did the Georgia Sheriff's Department went to They had been monitoring a ring, a sex trafficking ring, so they went to bust the ring at the same time, a deputy sheriff. This car couldn't make it from Okay, so maybe they went they went to Florida. Right, they had to let me see

where did they go? Right? Okay, okay, okay, so they from Georgia. But somehow another this thing, this sex trafficking ring goes. It stretches all the way to Florida exactly. So Georgia to Florida, across state lines. So he was going to a conference and they said his car. He didn't think his car could make the trip, so he took an official car. But he had already been set up by the somebody, you know, a detective who was texting with him, setting up prostitution, sex work, and the

person was gonna see him. I think he made I don't anyway, I don't want to add any extra. So he was talking to this person, so they set it up. He had liquor for the person in the car looking for himself, and he was on his way to go meet this individual. And then when he got there, they busted him. Now here's what I'm trying to understand because I'm not really clear. Because then they I think they suspended him until until further notice. He wasn't like immediately fired.

So I told you. Now, he has the alcohol and stuff in his car in the in there, in the official car, so that's automatically you get in trouble for that. So he he makes his phone calls, does whatever. So then when they when he gets there, because he was supposed to pay I think a hundred and twenty dollars for sex and then and then, but he ended up offering a hundred and eighty dollars or something later on, so the price went up, went up a couple of dollars.

He said he wanted the full treatment. This is the police in the car in the in he's the deputy chief. So they catch him, and um, you know, and and so he becomes a part of this ring. Now here's

what I'm trying to figure out. And this may be a part of his leaving defense, right because the title of the story and how I keep seeing it, it's a little like, I'm not clear just because you went somewhere to buy sex, which is that you're you know, you on the job official and you're in the official car, and that's not supposed to happen, and I'm sure there

has charges and whatnot. How does that apply to the sex trafficking thing, other than the fact that where he was going to get the sex was clearly from some ring that had been set up that they were selling these girls. Boy, well, I guess it's it's a ring, right, So they were able to say that, they were able to say two women to women, So obviously whoever was trafficking these women, they was following them and that led them.

So he was just happy to be he was part of the ring because they were kidnapping girls, trafficking them and then selling them for sex. So how are you a part of the ring just because you went to get the sex from the ring, but you don't know it's a ring, but you do know it's it's I mean, you know it's illegal, but you don't got to know it's a sex track. That's what I'm saying that you're part of the six trafficking ring because it's a whole ring. That's what they say. It's a ring. It's goes around

and goes you find trafficking. Did you sell a comes back? The money comes back or whatever it is, you know, so it's a whole ring. And they also not only did they find him and caught him, but they got some teeth, math teacher, they got physical and teacher and some Disney workers. So they a lot of people that are caught up. They said sixty people was caught up

in this um week long stick. Wow. Yeah, Well I think, you know, I don't think that sex trafficking, that that that that particular charge is gonna stick to him unless they can prove that he knew that that's what. Well, I don't think he's been charged with. So I think he's been charged with. Okay, so a sex trafficking bust ring, it's a whole wing causes them to learn of people. Now because I was really like you know, reading its fundament.

That's what and that's what they do. They say seized, they say the word sex trafficking, and now it looks like you he just kidnapped. Yeah, very well, not just kidnapped and coherting. There's a lot of ways that sex trafficking happens. So anyway, you know, this is just really crazy. And Sir Disney work Disney, and you know, you know that's around there. He hasn't even lost his job yet they say he's suspend it. I'm like, you're talking about but that's not It's not cool. Any of it's cool.

I'm just saying, prostitution is the oldest profession, but not if you're being forced to do. That's what I'm saying. You know, they don't have anything they can say that he knows, we don't know that. Maybe when the Disney World game brought me to you know, another thing about people being mad about Hayley Baby Haley, Haley Bailey being I was calling honey Bury, you know what, Bailey Bailey girls the point. But they're mad because she's the new

little moment white white white people. Man, this is a disgrace. You know, they've got a black people mermaid and I see the home posted that that made me laugh, for I assisted do want to talk this page what she said? They mad's a little mermaid black? Wait till they find out the Jesus well, they already black. That's why they don't want the mermaid to be black. But I like the means that say. You know, they're upset because a fish, a woman that is part fish, who sits in to

see her best friend is to talk and crap. They're mad because they don't want that to be black. I mean, we just kept such a hard time now speaking those things. That's funny, but not funny. Let't tell you what happens to me. You know you know that I am working on how I respond to em. But I'm trying to understand in my thought of the day, is customer service done? Maybe COVID has created a situation with no no no no no no no day is a no no. Our production team Ojen is over there will tell you that

customer service has diminished or decreased greatly. As a leader, It's really it's sad. Now I go into Chippotle, get me a little bit, and a young man who a nice looking young man. You know he's in there. First thing I've walked in. There's a black woman and she's just as funny and you know, and just she's making everybody less lunchtime. Everybody's laughing and talking. She's like, she's telling the guy right in front of me, you know, you caught me all the time, you get the same boat.

But then there's another guy, you know. They they she's talking. She's like, I gotta remember which money, y'all. And everybody's talking, everybody's laughing. It's a good thing. So I asked him to do something particular for my boat, which I always have and I mean always. Anybody that goes to get me about everybody knows this is one thing that I like them to do. And it's not unusual. People do

it all the time. He says to me at first, and the woman, the black woman, tells the young man, oh, all you have to do to fulfill what I'm asking for is this one little thing. And she we move on, and I'm still over there minding their business because the ladies making everybody lack. I turned around and noticed that he didn't do the thing, so I say, oh, you know, oh you know, I'm thinking he just forgot or whatever, and said, oh, could you please, um, you know, make

sure you do that. He says, I'm not doing that, and I said, okay, I said why not? Like what do you mean? He said, I'm not doing it. I said, okay, I said, you know what, because again I'm trying to work on how I did what. I said, can you get your managers? Because I know this is a simple thing and the manage will come and do it. I know that. I said, can you get your manager? The he says, no, you go over there and talk to him yourself. And I'm not looking at him, like what

exactly is happening? But when he says that, the first of all, the black woman is confused as hell, like what happened here? But also the man behind me, to his credit, the white man behind me goes what, like why is what is going on? What's the problem? So he says, you go over there, I got another customer. You can move over. I said, okay, wait, I'm not sure who you're talking to, right, And the first time I said, I said, I'm a customer. I don't have

to walk over there to get anybody. The managers. You need to go get the manager and tell him or her to come over and talk to me, he said, but I'm not doing that. I said, well, who the funk do you think you're talking to when you said customer, motherfucker? Oh absolutely, I said, who then do you think you're talking? I'm you. But as he says, he's talking to me in the most nasty boys he could come up with.

The manager is coming and it's listening to what's going on, and he goes, no, no, you go back to the back. So he sent him to the back. And then the manager asked me, well, what's the problem, right, because of course it must be something. I mean, this must be we need to get your police on this, because they cussed in and said, he says, what's I said? I asked the young man if he could take because I

don't really like a lot of beans, I said. I asked me if he could take to being gravy with the little cup like y'all do all the time and just put it on the thing. And he said what. The manager was looking like, I know that this is not what this is about. Okay, another guy and he goes, oh no, you just do this, and why are you talking? What an't We go so you're going through something, whatever it is, obviously, and the white man begins to say, this is ridiculous, like this is this, all of this

was for nothing. I don't understand that. Nobody understands this. And I said to the black mask, I asked the black woman. But I asked the black woman, I said, did you I asked her, I said, um, I said, that's all. I asked, what was to be through? She said yea. That was so funny. So that happened to me there right, And unfortunately it was all black and brown people behind the table, which everybody and once that happened and he was removed, everybody was super kind. It's

chipol they' nice and Chipotle. Everybody was super accommodation. But then, so that happened to me in this situation, and and again I feel sorry. I don't something. I don't know what's wrong with you. But then I was on the plane the other day. First of all, it happened to me a few weeks ago. I was in the shoe department and Nemon Markets and the woman comes over and asked me what what kind of entertainment I'm into? Are you an actress, a dancer, this or that, and they're, no, man,

I'm not any of those things. And you know it's fine if you are, but that's not what I do. Right, And then I was on the plane in first class yesterday and the lady next to me just couldn't help us. A white woman says, are you are you a singer? I'm just trying to figure out. It's like everywhere I go, is he that I'm dealing with racism? Or in service business you're dealing with people who are not professional. You're

dealing with all kinds of service individuals all over. I mean I can name service individuals that can't what what what is happening? Exactly like? Do is the school that you go? Shout told me easy easy, y'all had a course that he wanted to teach people about customer service. He had drew up to he had a pamphlet because he realized that it's a it's a forgotten art. People don't know, like remember the customers always right? You know that's that's going It ain't no, You're not no customer.

You're somebody to coming in and you're working with my day. You know, I'm trying to do simple ship. I want to do one to three. I gotta do something extra. I actually gotta work today because you want some motherfucking stuff like nobody want to deal with that. Man. I just want my check. I want the simple. I don't want to back talk. I don't want you to want things that's outside of the menu. I want to ship to go to where I wanted to go, and you coming to hire you actually want not because I, as

the employee, I must be paying for your food. Yeah. Yeah, people it's not happy that they actually gotta work, you know. So I'm sad that I just don't know what it is. And as far as the race, I think a lot of times people think these are compliments right there when you look, you know, and they don't realize it's underlined that there's need. There is mentality that you you have to be doing something to entertain us in order to be in this status. No black person has ever asked

me that. Like, literally, I've never been anywhere. I mean I'm talking about in service. I don't even I can't think of anywhere at all, but certainly in like a service industry. I've never had a black person say are you a single or rapper? Because this is like we know that you just don't ask that question anyway. We're living in a day, very very strange time. So let's

get to the topic, the topic of the day. And you know it's what the heavier heart, You know, R I P to P and b Rock you very good due see the peace with the level of violence that we are experiencing in our communities deadly, not just in music industry, but just in all of our communities. Every day there's a life loss. I've seen young kids who are athletes get killed to some I've seen babies get killed.

It something. I've seen women children, Everything is shot over sensus violence and every day you've seen somebody trying to rob somebody, somebody stabbing somebody. Like I want to know, what is it going to take m to really for us to come to the realization to understanding that we have to love each other, that we can't keep take taking everybody's life. And it's like right now, especially as

a rapper, it's like you're in a dangerous pieces. It's like it's like watching and I say this all the time. You know, I don't blame any genre music for violence, right I think the music is the product of the violence. The violence is not the product of the music, you know, But when the violence in our communities being incentivized, and these kids feel like that's the only way to gain some level of success, to get some level of money, to get notoriety, and it's being celebrated, then whose fault

really is? Right? Who's the fault? But past the fault, what do we have to do to fix it? You know? What do we have to do that we value lives, that people aren't taking a life over a chain, that people aren't want to kill you over words, or that you know, that people aren't smoking on each other's dead ops, and all of these things. What do what do we have to do? You know? I really want to sit down.

I'm really trying to sit and see if we can organize, you know, a panel or just a real meeting with people that I think are influence you, who have our solution based on what it's gonna take for us to start loving and protecting us in our own communities? Like I really want to know. That's that's what the topic for today is, Like, what do you think it's going to take? What do you think is we're going to

keep losing? Is it gonna take more lives being loss Nipsey, we lost, you know, every every week ye love Young dolg and something and and the list goes MO three, like the list goes on and on. Where their senses got violence? So what do what do we need to do? How are we gonna curve it? How are we gonna fix? How we gonna rechange the culture? You know, because right now the culture of violence is what's prevalent. So I want to know from y'all, you know, give us your feedback.

What do you think it's going to really take to change the culture. That's a good topic. We'll talk about it more throughout the show. In fact, we should ask um our guests about it. You know, we talked about and we'll talk to more about the interview that I did this week. I'll tell you these heck as you said, headlines are so sensationalized because um the TMZ interview that the title of it is Tamkea Mallory says p and b Rock is dead because of economic conditions in our community.

I'm like, that's not exactly, but it's you know what I'm saying. I get it, though, I get it, and I know they're gonna make it weird. It's like they But that's not exactly the point. The point because I was asked about rappers and I said, it's all black people in different areas, healthcare system, education, everywhere you turn, there's there are people dying, right And the only reason why we know about rappers is because they are they

we know them. So it's making the news. But there's a bunch of people dying every single day too, and we've been talking about it. We've been talking about people who die because you can't get the proper health care or mental health issues, and we've been talking about it. So that means that black people in general overall, in order for us to fight to stop the rappers from being murdered, which we absolutely have to, we have to also focus on the whole pie. In order to understand

the whole pie. You gotta understand white supremacy. What did he say? If you don't understand racism, then nothing I'm saying to you was gonna make sense. A brother said that in the meeting one day changed our whole life. You don't understand the root cause of why it's a root cause, jealousy. There's a there's an issue, and social media has a big role in what we see happening today.

You know, a six year old child died by suicide because he said that or they I don't know who said it, but because of the racist comments, like the bullying that was happening in his school, Like it's really really sad. And our brother David John, who we need to have on um, he sent me an article yesterday it shows that suicide rates among black women has like triples.

Skyrocketing is the word that use, skyrocketing. So anyway we should you know, I think as we bring our next guest on the economic pieces, what I said is gonna be a big part of how we turn this thing around. I don't think it's the only piece, because certainly there's got to be retraining, as mental health stuff, there's a

lot of things. But that economic piece is so important because if you think for one minute, we talked about so all the time that you're about to go outside pot lock and drop it with your good stuff on chilling and people are not gonna say, well, then let me get a little bit of that. I need a little change, you know what I'm saying. That's what's gonna happen. It ain't right, It shouldn't be, But that's the case because a lot of people don't want to work for

their own. They want to take what you have instead of working for their own. And some people never That's what I'm saying. So you gotta protect yourself. You gotta protect yourself, you gotta be smarter, you gotta protect yourself. And we those advocates, and we have to understand. I said, if you don't understand what you're fighting, you can't fix it because you have to know that you're not. Capitalism is at the center, which is a struck is which

is a part of white supremacy. It is as a result of white supremacy that we have capitalism in the world right, And so understanding the systemic role or the systemic part of it, and the role that it plays and everything that happens. How we don't like each other, light skin against dark skin, you know, black women against Latino women, black men fighting one another, black men, uh, you know, abusing black women, black women, not respecting black men.

All of that is coming from something we were not we were. This is not who we were. We can just wake up one day and this is just you know, this stuff has been ingrained in our mind for decades, because if we at not decades, this is longer than decades, right, this is this is hundreds of years, centuries, multiple centuries, right, and and and and and and the reason why is because so long as they keep us weak and broken and separated from one another, then and only then can

they continue to stay in power and then control. And somebody said a lot of people don't God, they went off because you know, I put some of my social media and I'm not like you, I'm not argument. I just let them be man ad and say what they want. I said what I said, I changed sometimes go back, but I changed you a little bit. But but I said what I said that, Oh you're not you're not talking about personal accountability. We we got so my personal accountability.

Every day, every day we're talking about personal accountability. We're talking about that. But somebody also has to focus on what is the root cause? And I think a part of her, a part of personal responsibility is to educate yourself, Well, why do you feel the way you feel about your brother or sister, or why are you're able to pick up a gun? Or why are you want to rob somebody. That's a part of personal responsibility. You got to educate yourself.

Got to educate yourself. So you know, let's talk to our next guests about decide this, this and many other things. So nineteen years in the mortgage game, we're about to learn some things today. I am and really really admire this brother. I follow him on social media and every time I see him, he's so humble and nice and kind and just so caring and willing to share information.

And you know, a lot of the guys out here that's making a whole lot of money, because we know he's making a whole lot of a lot of money, they're not that nice, you know. So and I always tell you that, I'd be like, you know, it was just weird, acting like, you know, on their shoulders. But he's not like that. MG, the mortgage guy, Matthew Matthew Garland. First of all, do people even call you Matthew Garland?

That's your whole government name in the streets. Yo. It's crazy because now people say MG or MG the mortgage Kyle, or they tell me my license number. Um, so that's the crazy thing right now. It's like they're like, yo, NMLS number one eight nine, Like you know what I'm saying, Like, yeah, it's crazy, it's crazy right now. But I love that right because I'm not out here talking about any foolishness. I'm talking about, um, things that can empower our community.

And for people to recognize me as a licensed professional and run up on me like I'm a celebrity or rapper or entertainer and want to take pictures and talk. I mean, it's it's very humble and so it's it's it's um, it's a great thing. But no no one calls me Matthew Aller no more. Well, thank you so much for coming on uh street politicians today. We've been trying to do this for a while, and we have for the last several months really been trying to focus

on the economic conditions of our community. We have a topic that we've been talking about today. We've been sort of not so much debating but discussing, and we're gonna get into that with you late a little later. Um, but I just want to say that I think that's a good thing for our culture that we're shifting from just running up to the you know, regular entertainers, which you know I have no problem with that. Sometimes I see people and I'm like, Okay, this is a picture

I want. It's rare, but I do um. And we're shifting it to people wanting to be close to and connected to folks who have a consciousness some level of consciousness. And so I think that's actually progress for us as black folks, um, you know, in this country. I mean

I agree with that. I definitely agree. You know, watching you know, those who are thought leaders, who are investors, who are teaching the culture about financial literacy, about you know, ownership and things of that nature becoming the new stars. You know, I watched I just was that Invests, which you were a part of, and I've seen just watching how many people were there, just seeing how big, you know, just financial literacy and just black empowerment and black wealth

is becoming in this country. So you know, I'm happy for you, proud of you. You know, I follow your watch and see all the things that you do, and you know, I just continue to do what you're doing. Man, What what what made you want to get involved in this? Like? How long have you been doing this work? Man? So I'm in the mortgage business going on twenty years now. So when I first came into business, you know, there wasn't no social media. There was no Facebook, there was

no Instagram. Um, there was nothing like the platforms like we have today. And it was barely any black people um here doing any type of real estate. And the black people who did do real estate, they kept it quiet. Right. We all know those type of people in our communities whore getting money, but they never want to share the

information on how they're getting money. So when I came into business, you know, I had to learn the hard way through trial, trial and error and um, you know, wins and losses, but I like to get those losses all turned into lessons and um, just the whole social media thing. Once I discovered like Gary V and those guys probably back in two thousand, sixteen seventeen, I'm like, damn, they're onto something. And you know, I'm forty four years old,

so I'm getting a little bit older too. So I said, you know what, how can I reach the younger generation, especially in my community with the information that I have. And that's why I started coming to social media and just started putting that information out there. And it's just kind of grown to to what we see now to

you know, we're doing things like invest FESTUM. Shout out to my partner's trying Richard and Mike at earn your Leisia UM, fourteen thousand black and brown people for financial literacy. You would never think in a million years you will see that many people in the space to learn about financial literacy, business, real estate stocks. So it's just been an incredible journey that, UM, we're all proud of and we just want to keep champion our community and keep

pushing things forward. Well, first I wanted to say I was very much inspired and motivated, you know, by the invest first and just listening to you guys and just hearing how you was just giving so much jews and motivation. It was. It was very much inspirational. I came, I told her, I was like, listen, I'm changing. We we

gotta get focused like people was out here focused. You know, we're doing a lot, we do a lot of work for our people, but we gotta really get financially focused and make real big decisions and and get into that space. So I just want to say thank you for that now. I appreciate you all. It was great seeing you guys there. Man and it's great to see just people that we've watched. Look, we love hip hop, right, we we grew up in the culture, right, so when we're saying folks like yourself,

there tis there you know, many different people. That's just we've watched for years and now it's the two worlds are now starting to collode. It's just a beautiful thing, um, and you know we we love it and we just want to keep, you know, doing our part to get that message out there, to teach people, but also not just to give them information, but show them the way how they can execute, right, because that's most important because I think too many times people um get analysis paralysis.

They will sit here and watch videos all day or study, but never make a move. And one thing about us, we don't just want you to be motivated inspired. We want you to go out there and do something because in our community we have to own some ship. We have to go out here and build our wealth because we're behind the eight ball already. So we're glad that people come out they're motivated. But if you're not out here executed, then it's really all for nothing. You're just

being entertained at that point. Yeah, well, you know and I think the way we all are being intentional in this generation as well, whether it be in the social justice space, in the political space, and of course you know in the other spaces that you're in that have to do with our well being, right, people are being more intentional about making it look like what the culture loves because in the past, you know, all the people who were doing the things we're talking about and not

and and it's not a knock, right, and maybe they did, they were fitting into that particular time, but it doesn't translate over right like it's it's And that's why you have people like Kirk Franklin and Type Tibot I think is the proper way to say his name now, and

others like that. And it doesn't mean the Bishop Jake's is outdated, but he's definitely bringing Sarah Jake's his daughter to the four Front, because you know, as generations come forward, where people want to see things and hear words and language that really relates to them. And I think that's an intentional thing that we all have to work on every day. And there's some people that don't get it.

They're like, oh, you know, you guys, you know why y'all dressed like this, or how come you you know, posting this type of For me, everybody wants to know why do you post pictures in your bathe and suit? And I always say, I'm not trying to reach my mother's generation, right, I want to partner with them. I

want to learn from them. I'm not saying they're not important because they have the wisdom, but I'm trying to reach a particular demo that understands that language, right they I I get more interest from people who see me in a vulnerable or very authentic space. So I think we've been intentional about all that, about that and that helps.

But now speaking of that, go back before this twenty year period and tell us more about what were you doing in your life, Like what exactly was happening that you was like, oh this is the way that I'm going to go. You could have done other things. Obviously you're brilliant. I mean, um for me, Look, I grew up in Brooklyn, UM, but I represent queens, you know. I went to Andrew Jackson High School. That's you know,

I'm a queen's guy right throwing through. So I was like anybody, right, you know my family's other drug dealers and drug users. You see what I'm saying. So I grew up a certain type of way in the eighties and bed style Brooklyn. So I'm around hustlers my whole life. But also, you know, and this is why I say I'm a Queen's guy, because Brooklyn, to me those years was paying My mother's a crackhead. I have uncles who

was on drugs. I have uncles that what drug dealers I have because we all got cousins that was murderers and and killers and robbers and all that stuff. Right. So for me, when I was younger, all I saw was the hustle. So it's always deeply and bettered into me. But I knew that's the route I didn't want. I didn't want to go the street route because I knew it led to nothing because I'm seeing people my age

getting killed. I'm seeing people my age going to jail, and for me, I don't want no part of jail. I want nothing to do with it. Right, So coming up, I really didn't know what I was gonna do. I want to college, but I was a college dropout, you know. I went to a historical Black college and c c U in North Carolina, and it was just like a hustle, just trying to figure it out, throwing parties, doing this, doing that, just trying to make ends meet. And um.

I got back to New York right after not eleven and I started working for T s A. And I thought, Okay, you know what, let me get the federal job. Let me get the benefits. You know, fifty thousand a year. Why not, right? And then my best friend at the time, Uh, well, not that I'm still my best friend, but my best friend told me, look, why don't you go get into

the mortgage business and be a loan officer. I said, what the hell is that people want to buy a house, they need a loan, and the loan officers doing who gets them alone? So I looked in the paper. This is before you can go on the internet and look for jobs like I really went in the daily news and I used to do customer service jobs. I used to do salesman jobs. And I saw all these jobs for loan officers and I'm like, damn, I never noticed this.

So I just picked the first three companies that was close to my house, and I went on interviews and I got hired and I've been doing it ever since. So I didn't know what the loan was. When I first got in the business. No one took teaches us about homeownership, no one teaches us about credit. So I never thought this this was a field that you can apply for. I thought this was something only the banker doing.

You need to have a master's degreed to to work in quote unquote banking, right, Um, so yeah, I was kind of like anybody else, you know, late teens, early twenties that was just trying to figure it out. And thank God that I found something that kind of stuck to me and it became my passion. And just learning numbers.

I never knew I really loved numbers. I never knew that I loved making other people happy because you have to be self servant in a way when you're doing a job like this, Because I kind of compared myself to a therapist because I'm always hearing some all these stories, I'm always hearing something. I'm taking somebody's energy and emotions. So it's just something that I grow into and now I just love it and I just want to keep

doing it. So, you know, to answer you a question, I didn't know what the hell I was gonna do cheap around before I got into this business. I thank god that I found it because it changed my life and I've been able to change other people's lives in

the past twenty years. So what what is the like the first step, Like somebody wants to be gett into doing mortgage loans in order to like what because most of us and I realized that we have fear, we have the starting fear, like we see it as is this biggest thing in the world, and I have to get out my own way with things, like there are things that I'm not familiar with, and I look and I hear y'all talk about a lot of different things, and I'll be looking. I'd be like, Yeah, it's gonna

be too hard for me. It's gonna be too much. I'm gonna have to go through all of these things. So what is that first and issue thing that you do that can tell somebody who's got that mind state like to do, just do that first? So me personally, I think everybody should explore getting their real estate license or get in their loan officer license because it's it's it's not expensive first and foremost right to get your loan officer license may cause you five hundred bucks if that, UM,

you have to take a twenty five hour class. You pass that class, then you pass the federal exam, and then you can submit your application UM to get up your license. But then you have to get sponsored by a bank um. And there's plenty of banks out here, mortgage broker companies out here that will take a chance with someone who wants to learn the business, so it

doesn't take too much time. And to get your real estate license, I think it's seventy hours that you have to commit to and that's a couple of hundred bucks as well. And you see there's thousands of people with real estate licenses right, um. But anybody can get licensed, right. That's the easy part. I think. To actually now perform and do well, let your job and become successful, you have to dedicate the time to educate yourself. You know.

One of the mistakes that I first made when I came in this business, I didn't take the time to learn my history about real estate or learn my history about finances and things of that nature. I would just run and gun. I just wanted to make money. I see these people in the offices making dollars a month, and I'm looking at them like, yeah, if these clients can do it, so can I. So I'm gonna just hustle, right,

That's all I know. But I would tell anybody else who's coming into this business today, you gotta take the time to learn. You gotta study your guidelines because you're dealing with people's livelihood. You're dealing with their life, and you don't want to mess nobody up. So once you get your license is one thing. But I think self education.

You know, Google, Google's your best friend, YouTube University. You know, there's a lot of paid courses and things of that nature where you can um deepen your knowledge base of this business to go out there and be successful. So how did you also at some point realize that you needed to learn about discrimination like redlining and all of that within the industry as well, so that you could help to overcome on the barriers that black and brown people face when they go for mortgages. To be honest,

keep it a bunk with you guys. Know, in the beginning, again, I just wanted to make money. That's all I cared about. And you know, the wild cowboy days. Is when I came in this business, the subprime crisis, right, you needed a post to get alone at that time, So for me and I was taught by ex Wall Street guys, guys who got kicked off a Wall Street and they could just go on the mortgage business because there was no regulation. You didn't need a license at that time,

so we were taught. When I came in, I was taught by savages to be honest with you. So everybody was a dollar sign and I didn't care who you were. My thing is how much money can I make off the deal um. But when the market started crashing, I didn't have the education in the background to understand what I was doing was actually wrong. Right, and karma has no expiration date. I lost everything going to crash. I lost property, I lost everything. I even lost my mentor

right um. At one point of time, I wanted to kill myself because my existence at that time was tied to materialistic items. You know, you come from the hood, you don't have no money. Then you're making all this money buying cause you're buying bottles, you're going out, and then when you can't do it no more, it's like damn, Like, what the hell is going on? I'm a loser. Yeah,

I'm a loser now, right. So when I lost everything, that was probably the best thing that ever happened to me because it made me sit down and kind of learn the business. So when I when I got my mind back right, I started learning about red line and I started learning about discriminating. I started learning like, damn, how could they even allow us to do these type of loans, especially to people that look like us, knowing damn, well,

we don't even have the financial education. And I am a person sitting here originating these loans and I don't even have the education. I'm not even that qualified to give the loans that I was given, right. Um. So that's what really made me say, you know what, I gotta do this business different. I gotta learn how to

deepen a relationship with the person. I gotta learn how to um value their needs because it's not about the money that I'm gonna make, It's about if I help you reach your goals, the money is going to come. So that's when I really started paying attention to the history and things of that nature and started realizing the

wealth gap that our community has in real estate. And now that's why you guys, when I'm talking about now and stuff I was talking about ten years ago just to my client base of people who knew me, especially to black people, because now I'm dealing with people who are affluent. I used to work for Chase and I was on Wall Street, so I'm dealing with head funk guys and that's not a third And I'm seeing how they're structuring their loans and their business, and I see

how my people come in. They're not thinking about having all these different trust and things of that nature. So I started taking the information I was learning on Wall Street and just passing it down to my people, and they still couldn't really understand what I was saying. What I still was like, I was talking about it. And now that's what you see me today is I preached,

you know, generational wealth. I preached life insurance. I preached setting up trust, you know, making sure you're doing things the right thing, making sure you can afford the home, because it doesn't matter what the bank would give you. That eligibility for a loan doesn't mean ship if you can't afford to make those payments right. And that's very important because these banks will give you a loan, they don't care. They're waiting for you. They're waiting for your downfall.

They're waiting for your downfall. So ultimately, at the end of the day, I want to preach affordable home ownership. I want people, if you're gonna go out here and you're gonna take that on, make sure you can pay it. Even if you buying rental properties. These tenants ain't guaranteed to pay you anything. You better make sure you have that money to pay the mortgage because these people want

their money regardless of what you're going through. So the discrimination and in our um time that we've been on earth black people is just ridiculous, especially when it comes to lending like the red line, and I mean even look at the deeds back in the day. You know, in the sixties and the fifties and the sixties, and deeds were writing in that people of color couldn't buy in these areas, like and it was perfectly legal, like it. It's crazy once you start doing the history. So I'm

ownership advocate. I tell my people, look, I'm gonna care if you rent, but you need to have a plan to go out there. And buy something. Because there's people that look like us that fought for us to get to the point to where we are today, to be about to go out here and own and buy. You know, in the fifties and sixties they couldn't do it as

freely as we are. So why are we sitting here not pushing ourselves to go out here and own so and and that's that's beautiful, man, because a lot of people don't think that were a lot of people, like I said, a lot of people are skared. So what do you think are the two biggest mistakes that people make when they purchasing homes or trying to purchase the home. I think, first of all, mentally, they're not mature enough. Right,

this is a responsibility, you know, owning a home. As quick as you get the home, you can lose it, you know. I think people only think about the mortgage payment. But you've got utility bills, you know, you got you got maintenance of the house. How you got daycare if you have kids, you know, and it takes a certain level a maturity to pay your bills on time. Maintenance of the house. Lord Jesus, it's not it's crazy, it's crazy.

It's always breaking this. We were just talking earlier about the stairs and a hole over here, and then extermination because during certain seasons the water bugs get in and then it's a lot that happens, and you have to be mature to handle that stuff right, and your mind has to be right, and there's a lot of people

out here that's immature. So the first step is I'll always tell people you have to make sure that you're mentally prepared for home ownership because if you're not, that ship can ruin your whole appetite of even wanting to own a home. So number one, get your mom right. Number two always credit. You have to have your credit right. If your credit ain't ain't right, you're not going to

get anything. And if you are able to get something, you're gonna get the worst interest rates, you're gonna get the worst terms, and it's going to be more expensive for you. And number three, as a bonus, my song, I would tell you need to have some money right,

just like to make it just said. Something's happening, something's breaking, you need to be able to pay for and then you can't just always rely on credit cards because now you're falling into that matrix, that that that debt matrix where you're never going to get out of that cycle if you're always swiping. And it's good to swipe to get your points and everything like that, but you need to have that capital, that cash to pay that thing off right away so that way you're not sitting here

falling behind the eight ball. So those will probably be the most three important things that I would tell people. Mind rite credit money right, and then the world is yours. Well, when you think about when people think about mortgages and buying property, they automatically think of houses, grass on the outside driveway. But there's also condos, right, There's there are other things that you might meet. Because I don't know if I would if today I had to go out

and buy something. I'm not sure that I would buy houses. I think I would buy and I'm talking about for me to physically live in. I live in a house now, but I'm saying if I was moving, I probably would want to go somewhere and buy a condo that I don't have all the responsibility of the grounds. So and I know my parents did the same thing for them, like they just didn't want that responsibility, so they chose

to go in in the route of the apartment. So is that something that you also suggest for people who might not be mentally or financially ready for the responsibility of the grounds to keep their grounds. Yeah. I tell everybody you have to do what's right, what's best for you. You only know what you can handle and what you can't handle. And owning a single family property is just not for everybody. How even owning investment properties or multi families,

it is not for everybody. Not everybody is meant to be a landlord, you know what I'm saying, And it takes you gotta be cut from a certain cloth to be able to deal with tenants and property managers and things of that nature. So I'm not one of these people. If you look on the internet, especially in the real estate space, a lot of people will condemn you buying a single family home or buying a condo. Me personally, I say, Black people just need to go buy something,

you know what I'm saying. Fifty percent of our community is renters. So I don't care if you're buying a condo. I don't care if you buying a single family a multi multi family. Make sure you understand your terms that you're getting yourself involved and make sure you can afford it no matter what property type that you're purchasing, because we want to sustain the home ownership. We don't want to just have it for a year or two and then year three you're struggling. You live in paycheck to

paycheck and it's not good for you. So I'm all for it. Like, you know what you want to make, So why not go get a condo ship, get the with the amenities, with the everything that you need is all built in, so you're good. Why not? But just be smart, Just be smart about it, because you know it's easy to be. That's the other thing people don't realize. You buy it and then they're still fees. What is

it called your assessment? Yeah? Yeah, maintenance, maintenance feeling. Yeah, those those maintenance fees and h o A fees, They those things add up. Like even for just talking about fees, right, You've got to think about your property taxes and your homeowners insurance too. That goes up annually. As homes are appreciating,

your property taxes are going to go out. And what I try to tell people is, hey, when you your mortgage payment today, You might be in a thirty year fixed rate and your principal interest payment may not change, but your escrow payment, which is your taxes and insurance,

that will change annually. So if your houses are appreciating, guess what the town is going to assess reassess your house every year, and they're gonna raise your taxes because that's how they make money, right, and that's going to drive your payment up. Your homeowners insurance. These insurance companies could be kind of crooking a little bit. They will raise your insurance two thousand, three thousand dollars after year one, and you're like, what the hell you raise my insurance for?

So you have to be mindful and pay attention to these things. Although the bank might be managing the aiming of it, you have to make sure that you are paying attention because you can always fire the insurance company and go get a new insurance company to keep your payment low, but your property taxes you can't. So all these fees you have to take in consideration when you get into home ownership. Thanks so um this entrepreneurship mortgage loan? How does that work? And do you think it's a

good thing? Yeah? So the entrepreneur loans. There's different variations of it, but the most popular is when you use your bank statements UM to qualify. You use those deposits over the past twelve months versus using your tax returns by going with like a traditional conventional UM mortgage. So

it's a good program. I originate that program to a lot of entrepreneurs because let's face it, the tax code is built for business owners right and most business owners are not even if they make a gross a million dollars, they're not going to show their net is a million dollars because who wants to pay taxes on a million dollars. You're gonna show as little as possible to keep your

tax built down. But when you do that, you now are public pros possibly disqualifying yourself from going traditional route where you can get a cheaper interest rate. So these entrepreneurs serve a purpose and the need for those entrepreneurs who are taking full advantage of the tax code to

still go out there and buy real estate. What you have to understand it's going to come at a higher interest rate than the traditional So like right now today the conventional mortgages is right around six six and a quarter um percent, where this entrepreneur loan might be seven

seven and a half on a thirty year fix. But the entrepreneur who's making money, who's doing what they have to do, that might be more advantageous for them to go that route because it still might be cheaper payment wise versus dumb paying two three, four hundred thousand taxes

just depending on how much income they've grown in. So it's a great product, and UM, I encourage entrepreneurs and business owners to content to look into all the options that are available because most think they can't buy home, and you can. There's a lot of business owners out

head taken full advantage of these programs. Mhmm. Thanks for you know, there's a lot of entrepreneurs that I'm glad you asked that question because I'm sure they are entrepreneurs who that's gonna be really important to them because, as you said, most people they think they have to wait three years and file their taxes and have a certain

number and do all of these things. I didn't even know you could use your bank statements um as a way to apply and yeah, it's a higher interest rate, but you can refinance at a later period when you may have the necessary documentation from a tax perspective, right, absolutely, So what I tell everybody is this, it's a quick

little hack that I try to tell people. Right, if you are entrepreneur, you've been in business for five years, unless just say you use your bank statements just to as your entrepreneur loan with the bank statement program to get into the house and you get a seven and

a high percent. Let's just say, for example, now you make sure you file your taxes the right way, so that way when you're able to refinance, if you um have five years in business, then conventional loans will only require one year tax returns and we won't go back two or three years. So you can now use that fresh new tax return that's showing all the income and all the years that you were kind of deducting everything.

We won't even use that. So now when you use the entrepreneur loan, because everything, you have to have an exit strategy. Right. You can't go into something thinking I'm gonna be here and this is I'm staying comfortable. No, you have to have a plan of action. So what I try to do accept my clients up for the purchase and then the refinance to get out of it, so now you can save money and get down to the market rate. So that's a quick tip for any

entrepreneurs that's gonna watch this. If you use this entrepreneur loan, make sure that same calendar year when you go file your taxes, make sure you file it the right way so that way you you might and you're gonna have to pay some taxes, right, and there's nothing wrong with paying Uncle Sam right pay those taxes because now you're going to be able to leverage that tax return to refinance. But also you can still now leverage that tax return to buy more real estate and invest and get the

cheapest money that's available on the market. And that's what we're going with a conventional mortgage. So it just really depends on what that person goes on and what they're really trying to accomplish in real estate. So we we have to wrap up um, and I know also we

need to let you get back to your business. But one thing I want to make sure we say in this spot is that it's important for people to express their plan to everybody they work with, because I at one point my banker, I had one set of conversations over there, and then something else with the accountant, and something else with you know, different individuals, and since people didn't understand my plan, and I felt like at one point I felt like I work for these folks right,

Like they're too busy to listen to me, and I need to talk quick and harry up and get things done. And then when I learned that, wait a minute, they're here for my benefit, then I was able to explain to everyone working around me, even the credit specialists that helped me get my credit straight. Shout out to Quincy from Credit Concepts with my son's friend that when I first met him, I was like, I don't know about this my son, and he's like, now he's good people.

And now you know, my whole family has worked with Quincy UM. And you know now that everybody understands what I'm trying to do, we're on the right track. From my credit cards, with my banking, with my banker, she understands what we're trying to do, you know. So so it's just important for people to have the right conversations and express to people what your goals are so that a plan, a collective plan, can happen. I want to shift real quick, because we gotta make sure that we

get your take on our topic. Um. You know, obviously everyone has been really upset about not just PMP rock, which is hard, horrible, a horrible, horrible, horrible situation young man. Um. And you know, for the last few days, between my son and my own child and other men, even my dad, who's a seventy five year old man, there's been such a level of I don't know, just depression, feeling of defeat. I can't really speak for you all, but I could see it the pain, uh, that that is that rest

in this young man losing his life. UM. And you know, my son says something to me the other day, he said, Mom, when I opened social media, I get depressed, you know, because it's just so much, so many people dying. Um. And it is not just him. We've been taking hit after hit after hit after hit with artists. You know. I was mentioning to my son that the athletes, we keep seeing people dying over there. Then in the community, you've got everything from police violence to regular violence to

we're watching videos of women getting beat. It's us a lot going on, right And I TMZ asked me, do I think that rappers are in danger, And I said, I think black people are in danger. I think black men have always been an endangered species. And I talked about our economic condition and if we don't figure out how to make sure we get resources into the least of these hands, we're going to continue to see what's

happening now, the PM B Rock situation and worse. It's not to say that I don't understand jealousy and all. We got all of that, but even all of that comes from something. It's the root of another issue. Because most of people we know they got a job, they're making they they're making money, they're doing what they need to do. They're able to take care of their families.

They're not just around shooting and killing people. So the question, that's the topic we've been talking about today, and we just want to get your take, like how do you see your role and and do you feel like what you do at be gay. If more of us get on board with it, it will help us to address some of the violence and other issues that we see in our community. Yeah, I mean, first man, rest in peace to paymb Rock. I mean, that's just a terrible incident.

You're gonna get waffles with your girl, and you know you lose your life's um it's pretty sad man, and it's um to have and have nots. You know that that spread is widening right now, especially in the black community. And I think what we do is extremely important because you know, no one was talking about stocks, real estate,

you know, these things, financial literacy, business ownership, credit. You know, twenty years ago when I first came in this business, especially in our community, these wasn't topics of conversations in the hood, you know. And in my hood, we were talking about going out. You know, we were talking about buying throwback jerseys. You see what I'm saying. Um, So I think us what we do is extremely important because now it shows people there's another way to make money.

You don't have to go rob somebody if you have that entrepreneur spirit. Because let's face it, most of these people who are doing these crimes, they have an entrepreneur spirit. They're just using that to something different, the wrong way. And if you now show them the way of Hay instead of you going out here robbing somebody, you can take two hundred dollars and put it into the stock

market and learn how to trade and make money. Yes, it's not going to be quick and fast like you're doing some crimes, but it's something that's legal and it can grow and sustaining stuff over time. So we do our best to try to talk to the youth. Um, we we give them, you know, a lot of free information. We let them into our private communities because we don't want to see our young brothers and sisters continue to

go down this route. We want them to excel because it's there our future, right and if if they're killing everybody, um, we're not going to have a future as black people, right. So what we do is very important, especially when it comes to home ownership. And this is why I put out so much content just to and try to encourage, you know, the teenagers. You know, I have two teenagers myself, and all I do is speak power into and they loved you by the way to make it, you know,

so like your daughters too cool. She she was like high, but your son was like what's good? Yeah yeah, yeah, he was on it. But that's why I had them at invest Fest. I'm having them in the room, and that's portant important to right proximity, there's powering proximity and this is why I had my children at invest FST meeting people like yourself in the room, seeing black people that look like them, that are not athletes for the most part, and and things of that nature. They're out

here business owners. They're running businesses legitimately and doing right by the community, and now I want them they're inspired to be entrepreneurs. So I would say, anybody out there who's watching this, if you know any young people you're doing anything good, bring them on as a free intern. You never know, that could probably change somebody's whole path in direction, I mean, your life. And we all have a responsibility to our youth to kind of try to

bring them up. And that's why I love my son do it. He always calling calling them out right. Um, it's important because we need someone to speak up because we're all thinking the same thing. My son is just the one who's not scared to say it and say it with a very loud voice. So you know, I appreciate. No, it's it's needed. Man, he'd be outside talking talking, but he's talking to talk that needs because we're all thinking it, right.

But ware, it's not all the time saying it or saying in the way that my son is saying is so I think what we're all doing is very important to try to change that trajectory. Unfortunately, these things will continue to happen. I think until we get gun laws um kind of you know, situated in this country, these things will is Unfortunately, it's going to continue to happen. Well, first of all, I just want to say thank you for what it is that you do. Man Um is

very much needed. It is um something that is evolving the culture. And I love watching you guys can tenuously push you know, y'all push the envelope, you know, like I have my role, like you said, you know, I know I've been in the streets and I've contributed to a lot of negativity in our communities. Right, And as you grow as a man, you evolved, then you realize and then you have to take ownership of that. Right. So when you see that same negativity being imposed in

the community, you have to call it out. You have to be one of those people who speak from authority, who speak who is a credible messenger, who's been in those rooms, who has levels of notoriety in the streets, and you have to speak up against things that we know it's not right. So, you know, watching our our youth get killed every day, it bothers me watching our youth kill each other, you know, because actually you're just

killing yourself. You know. We we got we at war and so many different fronts, and when we're taking the time to kill our own soldiers, then we definitely can't win the war. So you know, just keep on empowering us, keep educating us, keep giving us that knowledge that we need. You know, hopefully will make a billion dollars like you. You know what I'm saying. You know, that's the goal, and we'll be financially stable, in generational wealth. Man, So

just keep doing what you're doing. We appreciate you. We we want to be I got more, way more questions, but we'll do this another day. Man, We got to have a lot more sit downs with you. Man, Keep doing what you're doing. We appreciate you. Thanks for gracing us with your presence. Yes, yes, thanks for joining us three politicians. Brother for having me. Y'all, keep up the good work and whatever I can do to help um any one of y'all. I'm here for y'all. Thank y'all,

Thank you. Man. I just need a loan. But whatever you whatever you need, man, we got it. We got we got money to land. Baby. There you go what I'm talking about, MG mortgage gotta telling where to follow you tell me where they can find you. All right, so y'all can tap in with me, m MG the Mortgage Guy. All platforms, Twitter, YouTube, Um, Instagram, techtok Um. Ranton James is my real estate podcast, which is actually the number one real estate podcast and a black and

our community shout out to me, Keana Watson. Um. You can watch us every Wednesday eight pm easn Standard time on Angelicia's YouTube channel and on all podcasts audio outlets. So it's free game. So come get all the free game that we're giving out and and learn about real estate and hopefully we'll see you guys at the closing table. Yes, you will appreciate you. Hi, guys, thank you another do MG Morris guy. You know he always stops it. He always has doke energy every time I see it. He

always gives his warm energy. Is always he's been at something. It's very um. You like you say that X. It's asked x as as X I say that, you let me ask you, we ask yourself and actually like, Um,

you know what I like about MG. He flows with when he talk, Like We've talked to people and I've had conversations with bolts, and it's like, I'm not sure that they're sure now some people because even me, when I'm speaking in certain foreigns, I have you know, like I especially if I get nervous or I feel like, you know, I might you know, I feel like somebody else might know more to me, and I'm trying to like listen and learn from them. And then somebody's like, oh,

who you think to me? I'm like, I'm talk they know right, Like, so that happens when you get tongue twisted and whatnot. But I noticed. But but I like the fact that he's so confidently clear about every single points after nineteen years and you know, really investing in his know learning. He said he had to go through a lot, he lost everything for him to really sit and learn the business. That seems to be the story

of so many successful people. And of course we focus on our people that at one point or another we lost everything. Um, we both have our own stories, individual stories. Mine is clearly not as dramatic as yours. Well you know, it's not as dramatic in that I didn't spend time in prison, but you can become a prisoner within your own right, like in your home to yourself. I was

certainly a prisoner to um uh prescription drugs. So you know, all of us, it's like you go through these really typed almost like God has to humble and focus you on whatever, because sometimes I think we get caught up in what we think we're supposed to be doing, and we're we're supposed to be at the plan, that is our plan, and we lose sight of the fact that there was a plan already set forward for us, and

that's the plan we need to focus on. They said all the time, you wouldn't regardla you're telling me plans, you know. You know the things that I believe or heartedly that every great thing woman or that I know has experienced some levels, you know, where they had to be by itself is separated from area, and he had to look within himselves to dig deep and get more of an understanding of them, you know. So you know

his situation is different than my situation. You know, something you lose everything, you know, I unfortunately had to be behind bars mself to everything he was out here and most everything. So it is that mind state that you realized that damn everything I had has just been taken away. And then you got to say it, So what what am I willing to do? Am I just gonna say? That's what it is. I want to understand, you know, that's it. And he said you a person is not

defined by where they are time to comfortable of controverts. Yeah, pain, pain is going to really define who was sout I like him. I like him, you know, you know, you know when I say I like somebody, I'm like, Okay, Now we can figure out how to integrate his voice more into what we do. Like I could see us touring and having him to be a speaker regularly because I think he resonates and you know, and you know, obviously we love we all our guys. Everybody's very very busy,

um and I'm sure he's busy too. But twenty years later, there's got to be something about being community driven. I can tell, we can listen to you know, it coming from him that he's saying he wants to do more. So anyway, I think, you know, I think I think we talked about him being a mortgage guy. But then he starts on insurance because it all get all times together,

the insurance trust. You got to know those things. If you sell a mortgage and you sell the houses and all that, then you don't have to be it things. Why do people Why don't people not understanding Listen? You can't, but you have to do. You have to do your research. You have to understand historical value and historical understanding of everything that you do. It just like even in music, I tell people all the time, you don't just pick up rap, you like you're studying there. People have been

doing this before. You've got to listen. You listen to different jazz, listen to blues, you listen to country, you listen to soul, and then you take those pieces and then you create your own with the pieces that's already been you know. So that's what he's He seems like a real student of the game. Shot out to him. Now that brings me to my idol And it's pretty

much on course with our talk of the day. You know, once again, r I P to PNB rights really could really cool dude, And I was sister Jamila had introduced us and had us in schools and Jersey, and he was real hungble dude told me how he loved my work and you know, we said it was my words together. He was real, real down her, real cool dude. So you know that that's just a tragedy that closis life that way. But what I don't get, you know, and

I was good all you dudes yesterday. Um, somehow people have taken the position that they want to blame this man's child's mother, girlfriend or whatever they classified them so because I don't really know the classification, but they blamed her for what happened based on a uh ig post that she put up. So she's the one that took the picture of the waffles. She took the picture of the waffle, and I guess it showed his vocation. And people are saying based on that's how the wroblem pretty

much knew his the way he was or whatever. And nobody knows that, right uns them saying, And even if they did, I know that this wasn't something that she purposely did. And there are people who have conspiracy that said, oh, she's want the insurance money it goes to, and it's

like it's so sad. It's so I could understand the trauma that this woman has to be done with to be at first, to lose someone you love in front of your face, right to watch some why do you love shotdown in front of your face, the father of your child shot down in front of your face. And then to go to this stupid ass social media and hear people blame you, like people who don't know you don't have any don't just literally on your blaming and this It's disgusting to me. I don't get it. I

don't understand the mind state of people. For me, it's like the lady is dealing with enough Trump, Like, she's dealing with so much trouble that it doesn't even make sense to me that people put her through any more trouble to have to be blamed and have like she did something intentionally that caused well, you know, it's funny ironically, he and Jay, who is the wife of young dolf Um, mother of his children. She first of all went awful

and and by the way, me as my friend. So it's it's funny because she's so does she speaks to talks and everything, but she's really pretty reserved and quiet and out the way. But she went off and called people all kinds of names. Behind that situation. She was saying that the people on the trolls on the internet are just as bad as the shooters. You're disgusting. You want to stress a person out who's already going through a lot, like you know. She she was saying a

lot of a whole bunch of things. So I text her and I said, will tell us how you really feel, Mia, And I'm going to text thread with me and Jay uh Angela Simmons and the Cold Bell and the Cold Bell's wife of Sean Bell, Angela Simmons. We know the

Simmons family, but Angela's son's father was murdered. And then of course me and Jay and and the four of us have been talking about how to um, you know, just support one another and others, you know, just a very informal text thread that we love and we pour into. And as I was saying, well, Mia, and I was it was funny to me that she was like kicking ass because she's you know, this is not really how she does publicly. And Nicole Bell said, Mia, are you okay?

And it stopped me in my tracks because I bought it, you know, to be too for us to say these clowns, you know, and talk ship and Nicole stopped the conversation and said, Mia, are you okay? Because in that moment, the Coole knew that for her to go to such an extent, to speak publicly in that way, using profanity and everything, something triggered her, right, and she sent the screenshots of people saying that she's set up young dogs. You see what I'm saying. So it's just a sick

It's really a sickness. The Internet is sick, and it's sad because I want to say it's trolls and it's people that's not even real, and then but then it be it'd be your own people, it's it's family members. They really do exist, and they had like, yo, for real, this is my thing. And I saw what Cardi says. She's like, first of all, I doubt anybody was watching on Instagram. But let's keep it about. Let's just say they were. Let's say they were all. What happens when

you go live when you're in the club. Are you trying to set up your friends and family members? When you were in the club and you live when you posted that you went to this restaurant and that restaurant, and do this place in that place. People do that every day. This is not a new phenomenon, Like what are you talking about? And these are young people, by the way, so that's what they do. They take pictures, and they fool that. You said you should post it

once you leave. But even I get caught sometimes I forget. I was at Brooklyn chop House the other night and I'm just waiting again. I was waiting for me and Jack. I was waiting for her and my family member Jessica, and I'm just sitting there and since I'm waiting, I'm just taking pictures, looking at the lighting, doing whatever I want to do, giving myself, you know, we're called entertaining myself.

And before I know it, I posted the picture and tag where I was and didn't even think about, oh ship, I really need to leave, and I generally do it. Sometimes it just happens. In fact, I'm gonna tell you,

my son, you could flip it on the head. It was to me, it's super This was actually probably a very uh innocent moment that they were just eating waffles and chicken, and she like, look at us, we just eating washers and chicken, probably not even thinking about the implication of the jury and the haters and this and all of the all this other stuff. Just waffles and chicken,

just a moment, you know. So I'm just trying to figure out what's so different about that moment than when stay in the club with the bottles and everything and they live. I just think, I just think we just got to do better. I just think I think people have to take time. You know. Social media has given voices to people who actually don't serve voices, right, they give they make people's opinion better than don't matter, and then it puts things in other people's minds and now

turns into a topic. Turns it's sad the fact that you know that black said she should kill uself. I'm like, really, wow, I don't even yeah, like really, I'm gonna look and find it. It's just really sometimes, like you know, sometimes we just gotta we just gotta people gotta tell you just gotta shut up if he says something you describe. I mean, I think I saw on one of these blat phones. I don't get ready finely for you, because I really want the problem is that we celebrate ignorance

like that right, we push that, that's clickbait. That's gonna be on every site. People don't want to hear about it. And I saw people liking in that thing, and I'm like, wow, like I don't know, maybe I don't know. It's sad. It goes back to what we say black women need to disrespected. The text man women lost human in front of her eyes, in front of uh, she's been playing the people say you need to kill us. You know, we I just think that better. We have to do better.

You know, we have to have grace, we have to have empathy. We gotta you gotta deal with each other with a different level of love, you know. So once again, my my condolescence goes out to her, her daughter, his family. Yeah, because it was called that black. It says that he he well, it says he appears to blame the girlfriend. He hasn't appeared to blame her. He specifically says, let me get to the quote that whole might as well

kill herself. And that's just like, you know, like I don't know, and I mean we know called that black and who he is and the type of stuff that he said. So this is not like unusual, is it not. But what's what's sad? But if I wouldn't even post that, if I was whoever, that's that's that's what we are, right, that's and what happens What that does? It further, it does two things, right. It creates a rift between her

and him. Loved ones people I love her feels the type of way what they said about him, right, It gets trolls to get on there and feed in and start to her. You never know, so it causes real situations and it's like your it's over. We're not even taking the time to really just mourn the young man. But this is my thing. She has to raise his daughter. Why don't we have anything in us that makes us say, let me sit back. I don't really know this for sure, so I might I'm not even going to say that

because we don't. That's not That's not what the internet and it does. The internet makes your opinion a fact. People who don't even can barely read have opinions that turned into facts that they knew nothing about. It's sad, it's really really sad. But you know, I don't know. I just like I said, are you okay? That's that's what came That's what hit me to my core, like there's real people attached to these stories and these you know, people who are falling victims in our in our community,

and I just I don't know. I mean, you know, I'm glad we've been talking about it the whole time, so we won't bet. It was a good show, dope show. Shout out to MG our guy Matthew Garland was dropping the jews, educating us about mortgage and things we need to know. Shout out to you're coming on the show. Do you know doing what you do regular the number one show, Number one? Listen. That's why people are like, oh, they're already number one, so we don't need to know.

You've got to download it because we number one. People want to download the number on the show. Make sure you go with the download. Let us know what you feel. If you love our show, if you hate that show, if you've got any ideas for topics that you want to hear, you got some people you want us to interview, let us know. We'll be happy to oblige. You know we're gonna we will. We will think about it. I

will not you're the ball. I'm customer services. This is about customer service from customers always Yeah, that's what I thought, but not today anyway. Once again number one show in the world. Thank you for being with us. You could have been anywhere in the world, you're here with us today. I'm not gonna always be right to make It's not gonna always be wrong, but both always and I mean always,

be authentic. Listen to Street Politicians on the Black Effect Network on I Heart Radio and catch us every single Wednesday for the video version of Street Politicians, or I Women Dot TV