You Have a Fraud Alert

gonna get justice. We're gonna get everything we're looking for. You know, we ended last year with significant um a criminal justice wins right that that's not wins for our community. Know, you gotta because the trolls can't wait. What wins. Wins means they stop killing us. That's what we're fighting for.

We ultimately want um not to be killed. But when we think about the steps that it will take to get us to a place where people know, if I shoot harm, violate the civil rights, the human rights of a black, brown or any other person, I'm going to have to face the system. And it's possible that a jury and particularly juries with white women. We gotta, we've gotta talk about it because the last few juries have been full of white women that not all white women,

but many white women have been dominating these juries. Have been finding police officers and other vigilantes, um responsible criminals, responsible for the murder and the trauma and the violations that they've caused on young black men and black men in general. And I think that, um, you know, that's

a good sign for how we enter two. That we continue to fight in the courts, but even outside of the courts, there's a cultural fight that's ahead of us, and I think we have a responsibility to stay on the ground. In every one of the cases that we have one, so to speak, there were movements that existed

on the ground. There were people involved, there were protests, there was awareness, there was communities speaking out parents that work very closely with some of our stellar civil rights attorneys so that they could go and and help to inform um the district attorneys, right, because you know, it's always important for us to make that separation. The district attorneys have been fighting the cases, but they do at times listen to the feedback of the family's civil attorneys

who are who are giving them strategy. These things are happening, and I think that to your point, We're gonna work this year to ensure that we continue to get justice in those places, while it's a small form of justice, but that we also set the precedent, set the tone across this country that if you kill, you harm, you brutalize, um, you violate our rights, that you will be found guilty of a crime and have to face actual jail time for for you know, for your actions. You know it's right.

You know, that's that's the always the goal. Like you said, it's not justice and totality, you know, but there is periods and there are pieces of justice that we need to add to the puzzle, you know, And a a lot of people want to discredit the work that's being done because they don't understand the full process, or because they

just want to have something to say. But you know, being on the front lines in this movement and actually seeing what it takes to get even though small pieces of justice, man, and just understanding what it's gonna take for us to act actually get the level of justice and equity that we deserve and you know, are entitled to in this country. We understand the work, the work that we're gonna need to do. We're not even gonna see it in a lifetime, but we're just gonna contribute

to it and continue to fight. Man. So I want to say thank you to everybody who has been a part of it, those small grassroots organizations, those who made phone calls, those who donated to organizations, those who sat in front of these courthouses, those who family members who despite all the trauma and pain they went through, they got up every day and they fought on behalf of their family members. And they still fight and he's still crying.

They still deal with the trauma even after the cases are gone, after the cameras have disappeared, after everyone is going off, after the verdict has been delivered. Even though there's been guilty verdicts, there have been people who have lost loved ones. So you just want to say thank you for all of the pain that you've endured so that justice can be served, even the smallest, smallest minute way. And you know that we will continue to do out.

And I'm not sure that George Floyd's family, Dante right uh Ahmad are very and even Julius Jones, which was different because Julius Jones needs to be at home with his family, but he was removed from death row and his life was spared with hours left before his UM for before they would have executed him. And that was

because of a grass Fools movement. And to your point, UM, Terence Crutcher, who was also killed by the police, his sister Tiffany Crutcher was out there while holding her own pain, she was out there as one of the leaders fighting for Julius Jones life. And there are so many people who have gone from advocate who have on from UM survivors if you will. You know, some of us say victims, but they are they're really truly survivors and have turned

that into becoming warriors within this movement. And I'm not sure that they would say it's my new I think we have conditioned ourselves because we we understand the larger context of the movement, right, and so since we know that justice is so much bigger, we condition ourselves to UM to minimize it so that we don't have to fight with folks who want to say, oh, y'all didn't do anything because he should have got fifty years, and now you know you didn't do anything, because all of

them should be guilty. But it's not my new because the work that went into standing with Wanda Cooper and Lee Merrit and also the work that Shaun King did, um, you know for Ahmad r Very and the protests that we went out for and the people like you said, uh, queen your NaSTA ha in Atlanta, Gerald Griggs, the local in Double A CP there um in in uh in

that part of Georgia. They worked hard. We supported them, um, but we were actually living in in Kentucky fighting for Brianna Taylor and we still took our time to support and stand with Wanda Cooper and the family of Ahmad are Very. So you had that movement happened, and that kept attention on them every single day. Then you turned around and you look at um, you know what was

done even when Dante right, Yeah, totally you know. And by the way, Dante right situation moved fast from the day that he was killed until there was a conviction. It was very clear in the state of Minnesota that people were not going to sit back and allow them to slip back with justice because there was all ready a conviction on George Floyd. And I think, um, what some folks may not understand, they may not be aware of how much work went into electing Keith Ellison, who

is the the the attorney general. They're in Minnesota. I don't think people understand how much work and what the battle was to get him elected so that he can fight for real and true justice in that state. There is so much more work to be done, but it's not minew when you think about Brianna Taylor. Yeah, the trying to get actual convictions and to get people arrested

in charge, it's an uphill battle. We hope that the Feds will come in and file federal charges against the officers, particularly the four officers, but even more folks than that were involved in murdering Brianna Taylor. But yet those officers have been removed from the force, and that for us, while it is not the indoor be all, it is significant that they have been disgraced and sent home from

their jobs. Now we have to fight to make sure that we get actual legislation put in place that monitors them so that they cannot just go get another job in a different city, um and and and permit the same crimes. So to your point, there is a lot of work to be done. There's an incredible amount of

work to be done. But I refuse not to appreciate all the people who have worked to do what has happened within the year of one that we hope to keep into You're right, you know, I apologize, you know, apologize.

It's not because it's not just out work, right, it's other people who are out there working, and as I applaud them, you know, I don't want to minimize, you know, the losses of people who actually were invested in this work, because a lot of people lost sleep, they gained trauma, they lost money, they lost family, they lost so many different things in this fight for justice. So it's beneath me to even try to minimize what people lost in this. But I do want us to understand that there's so

much to go. We still have a lot to fight for. But those victories that we did get, they weren't they're not minute, they're definitely major victories, you know, So continue to fight with that and knowing that you have gained victories and we still got a lot to do. And so that brings me to my thought of the day. Now. You know, I've been really on vacation. I literally have done absolutely nothing, and for you and other people who

called me. I've been sitting in a dark room relaxing for the entire holiday, with the exception of moving around a little bit here and there. Number One, I ain't trying to get the COVID. Number two, I just needed a break and I really needed to get focused. So, you know, TV was a thing, like I was watching shows. First of all, we start the holiday with Insecure going

off the air, so they their last show. I haven't even watched it because I'm like heartbroken, and I know a little bit about what happened, because social media is such a spoiler, like they just tell you everything, but you know that's gone. Then the other day I was watching TV. I was really excited about Blackish, and I learned that it was their last episode as well. I'm just trying to figure out, what in the heck is happening? Is it the ratings? Are we not watching the shows?

You know? What is? What is the issue? Is it advertising? What are we going to do to keep content on TV that helps to show us in in not just a positive light, but in our true form. I have no issue with fifty cents and his uh, you know, his portfolio, because we all like a little crime and hustless TV everything every if you say entertainment whatever, right, we all we all like that. By the way, it's every other culture has the same, so we're not gonna

see him act like you. The white folks are not killing each other and shooting up and everything on TV. The Asian community there and everybody has entertainment. To your point, that's um criminal through a criminal Lennits. Lets me say it's like that, but the fundamentals of their every day for their children is not just focusing on power and

BMF and things like that. They also have grays and that they have I don't know you name the shows right they I don't even know them, but I know that they have a bunch of shows that shows sort of a myriad, if you will, of images to their young people. You turn on the TV for us and we're losing everything. And Blackish was such an important show since we had the Cosby Show, then you have Blackish.

I don't know, maybe there was something in between, but to lose Blackish, I mean, I'm gonna literally call both Tracy Ellis and Anthony Anderson and ask why is it that they were ready to move on with their careers like I just don't get it. I'm really trying to understand how we keep content that is for your children and my niece and other kids that are growing up. I mean, we got to continue to create it. Man,

we have lean away. If we have so many different black producers and you know that understand the need, you know, maybe maybe I think what happens it becomes hard to create content right after a certain amount of seasons, or maybe the ratings. I don't know. I can't really imagine that black Is not have a good ratings, but TV in itself, the ratings for TV and itself has been going low. But I do believe that black Ish was definitely something that was needed in our community. Was something

that you look to. You know, it showed us in a very positive light. It showed us in so many different real life situations that happened in black homes, whether it's just black homes that come from wealth or just poor. It was just those same understandings of just black culture that they talked about was something that really happened in most homes that people can identify with right and it then it gave you something to reach for, to have a mother and father that was that successful right to

be a mother and father that was that successful. So it was so it represented so many different things for our culture. And I just I hope that we have the next production right in the host like in the pipeline, and now I think we have grown Ish and which i'm Yara Shahidi is. I think she's one of the executive producers and she's also on the show. We have to support these folks like we have to. I know, we think people are watching, they must have good ratings,

but actually they don't. They don't have the type of ratings that's necessary to generate consistent advertising dollars. And that's the problem. You have to actually have millions of people watching your show in order to make sure that you can get those ad dollars, or you get pushed to some cable networks, and then when you're on those networks, not everyone can see it because not everyone has cable.

So it's like a tricky, tricky thing of trying to figure out how do we keep content out there that's forward facing for our young people to be able to your point, it's not that not even just young right, even young adults. Right, Let's just let's we got kids, and we need shows like Blackish, Grownish and other things for them. But I'm just thinking of when you talk about Insecure. This is for a young adult. You have a situation where Issa, when the show originally comes on,

she has no job. She hustling trying to figure it out. It gives you a depiction of what it's like when people are like, you know, sleeping with this person and you fall in love and then you get your heart broke, how you get out of it, what your girlfriends can do to support you, how your girlfriends can tear you down, the different types of personalities, people who are um, you know, they are what do you call a plus size? Other people like It's so many different things that when you're

sitting there watching these shows. I remember when I used to watch A Different World, the cosby showing other things I saw like, okay, I could do that and take a little bit of this. I like the little bit of wey, I like a little bit of uh, you know this person that like what in the hell we we like? You said, there has to be a consistent pipeline because while we love Tyler Perry, while we love fifty cent and and all of these shows, that's not

exactly what we're talking about. Those things are entertainment, but though just a regular family and or people who are existing every day working through life, and they're not so much stereotypical. We need that. We need that. So that's my thought of the day. Bring it back. It's definitely a good thought. Man. We need your producers, black producers get out there and make us these shows that show us in the highlight and give us that energy, to give us that will to to you know, to aspire

to be more. We're looking forward to that, man, make sure you'll do it. So usually at this time we would have our resident brand expert Latoria bound with our small business of the week, but we're not gonna do that this week. But next week we're gonna look back at all of the small business that we've showcased throughout the last year and we're gonna add a couple more. We definitely need you to tune in and make sure

that you give us your small business. Make sure that you are a small business, to have a real business. Make sure you're a real business, because we want to showcase you want to be able to give you an opportunity to promote your services or your product on our platform. So the term know your status has generally been used to talk about your status for your health, to talk about whether or not you know if your HIV positive

or carrying some other type of disease. And of course, now that we're in the time of covid um, knowing your status has a lot to do with being tested to see whether you're positive or not. But knowing your status means a lot of things, and it should for us, particularly black folks in this world and specifically in America, it should mean knowing what's happening with our credit, UM, checking our records, and knowing what's happening with our name,

our social security numbers. And oftentimes we don't like to see things that are not right in front of our faces. We don't want to deal with it, we don't want the stress, and we certainly don't want to have to do the work of repairing the credit that we may have ruined from when we were younger. Um. But you know, fraud is a thing, and we're actually doing a show here. We are the first week coming back from the holidays, where so many people have spent money. Um, maybe you

haven't checked your bank account. Maybe you haven't checked your credit card statement. But fraud was a real thing going into the holidays and it still is. And so we're talking with some folks today who are real professional experts on how to address your credit and also how to be to ensure that you are not a victim of fraud. I first guest is Swanna King. She is a credit repair expert, the author of a book call Swipe, a motivational speaker, and she was just featured on the v

H one series My True Crime Story. Um, she's also a friend to street politicians. And we're happy to have you with us today, Chiwana, and you gotta put us on and tell us what we don't know. Thank you so much for having me. I'm so excited to be here. Thank you my son, thank you everyone. UM, I'm excited this episode is. It means a lot to me because, um,

you know my background where I came from. Um, financial freedom, like financial literacy we did not know about, you know, growing up, I did not know anything about financial literacy at all. You know, I only knew what was around me, you know, so growing up, uh, you know, me going to prison, me being inconclrated was for identity that for

credit card for it, you know, and that's where it stopped. Like, oh, that's all I knew was going into the store using somebody else's credit card, but I did not know how it affected that person and the people cards I was using. I was just using it. They weren't. They didn't even notice. They didn't realize that I was using their card, you

know what I mean. So it's like, now that I know better, I'm like, Wow, it's a lot of people out here who really don't check their credit, who don't even utilize their credit, who don't really know anything about credit. And now that I do credit card, credit credit repair, it's like I s been to a lot of people and I try to, you know, educate them on how important credit is, you know, what you can do with

your credit. But if you don't know growing up, it's hard how you doing so, you know, just being formally incarcerated, you know, as well and understanding what was how would you introduce to credit, like to credit cards? Like what was the process? You know a lot of people don't know it, so we gotta give them a little education so they can understand, like what's you look out for? You know? How you pay attention to see if these

things are happening to you. So okay, so how I was introduced and I'm gonna bring it from before into now. So do you know right now, like when you get those alerts that say your passport has been compromised on the dark web or um change your passport immediately because it has been um the detected in certain websites. That's

a real thing. Like it's real because before you know, prior to mind conservation, I was basically paying a hacker to happen to the bank systems or happen to uh, let's just say American Expressed, and they will basically get your account password, email password, and they were trying to pay for that information. And now like I even get it on my email, it's like change your passport because that means that your email and your passport is out there.

So now it's compromised. So now the hackers can go in and actually take that information and sell it on the dark web. And that's where I came. And prior I was going in on a dark web and purchasing that information. And then now I'm able to go into the store and use that person's identity. Now, but were you making because I I know a guy who went to jail for actually making the credit card with the numbers on it and the strip, and at some point it got to the point that they were actually able

to make the credit card work. It started out where they used the credit card and it wasn't live. It just had the numbers on it and looked real. But then they got it to the point where the card was actually working with the swipe in the store is where that's yeah. So basically, yeah, the same exact thing. So basically I will contact a hacker. A hacker will sell me information. It's called the track. The track has your six team digit card number, your exploration day, your name,

all of your information. It's like it's like an it's like encoded into like these codes. So what I would do is there's a machine that you have, you connected to your computer, and you basically transferred that information to the credit card. You have to edit. Any card that has a strip on it could be transferred. Could be a hotel key, as long as it have like a black magnetic strip on the back of it, it could be transferred. That information could be transferred to the card

and you could basically use it anywhere. Wow. Wow to me, it's very I used to always askwer that she'll go to a hotel and she'll make sure that everybody throws the keys away. She will not leave a hotel key anywhere because she says, people can get your information, and I never will. Yeah, you know, and what they do too. Um, what they'll do is, let's just say, if you're gonna make a purchase, um, and they will take your car, swipe it and you know, the machine at the store,

and then also swipe it in a little device. It's like as small as they're like, uh uh yeah, it's that's small, Like, um, they'll swipe it on that and then now they have all your information. So that just eliminates them being able to they don't have to contact a hacker. They have your information right there, you know. And you're doing that to everyone who come and purchase. So so tell us. So okay, so you got into that first. It couldn't have just started there though, Like

that's high level. So you had to start somewhere a little bit before that stage. Was it that you just found out it was easy? Did somebody tell you to get involved? So it's crazy, but I don't. I never said this anywhere else. So when I was younger, I was you know my aunt, she's um, She's from Maryland. She had a bunch of salons. She was like that aunt that was like flying, you know. And I'm like, damn, she got a bunch of salons. She got all this money, and I knew that. She went to prison for a

credit card fraud. Right. She wrote a book called Charge It to the Game. Right, I've read the book. I never said this anywhere else. She don't even know this. I've read the book and I was like, wow, this is crazy. Like she was giving detail, but not too much detail. So I went on um the dark web, and I started researching. I found out all the information I needed, and I found the person who basically I could buy the tracks from. Wow, tracks cost the tracks

are about At that time there were fifty dollars. So now you're talking about something that costs fifty dollars that I can get about dollars from. That's that that that's a no brainer right there? Mm hmm, I purchasing huh no, no, go add what you said. I was saying, So I'm purchasing these tracks, and all I have to do is basically get a bunch of blank credit cards. At that time, I was going into like CBS war Green and taking the gift cards. They're free, just going in and take them.

You know, they have a black magnetic strip on it. So I was using the tracks, putting it on the black on the card and just going into the store usually. So how did you get caught? Like? What was the thing? So I got court? Now, the reason why I got caught was because the person who I was purchasing the tracks from, he's he's in China. He's in China, and I don't know who he is. I never met him.

We only spoke online. So um, he was shipping cards to Africa to me and Brooke when to all over and uh, he started to get hot and they started watching him. So what he did was he told me, he's like, listen, I can ship you some cards. Uh, you don't have to you know, they'll be real cards, you know, with your name. You don't have to use the cards that from CBS. So you know, this car

would be actually with your name on it. So it was better for me because sometimes I would go into the store and they'll be like, oh, well, this is a gift card. You can't use over five hundred dollars. If it's only five hundred dollars on a gift card. If it sets five hundred dollars on the card, how you swiping it for five thousand dollars. So I needed that connect at that time. So for about a year, he was just shipping me cards, shipping me cards. Everything

was cool. He started to get hot because someone in Nigeria got in trouble. So customs basically stopped the package that was coming to me. And when they stopped the package, they opened it and they see what was in it, they sealed it back and sent it to me. So when they sent it to me, I didn't know it got stopped and they just started following me from there.

They was following me for six months wow, while he was using the car, so they had a full case of course when they finally And I think that's the whole point is like it feels good right, like while it's happening, you're looking bad and doing your thing. But at some point I don't know anyone. I really literally don't know anyone that has been able to accomplish like longevity and then never get caught doing these things. I just I don't know anyone. Everybody I know and somebody

with them. No, it's true. And then at that time, I was so young, Like I went to federal prison when I was nineteen years old, you know, and I was doing that from seventeen. I went to prison at nineteen, came home, didn't know anything else, did the same thing. Over thought, I got smarter, bought all the machines, got caught another two years. They didn't have to do two and a half years, you know what I mean. So I didn't really all another way. That's all I knew

at that time. That's the only that's how I knew how to make money. It's it's unfortunate that I had to go through that, but I don't regret anything that I've gone through, you know, because it made me who

I am today. And you know, it's it was. It was crazy, you know, because you get so addicted to like the material stuff, because you're walking into the store and you're getting these things for free basically, you know, like I'm spending a hundred dollars per card and I'm getting ten, fifteen, twenty dollars per card, you know, so it becomes like addiction, you know, to like it's crazy. So you didn't you So how much time did you

do in prison? You said you went to jail the first time, came home and did it again, and years altogether you did five, you went home, You went there for three, came home, did something, and didn't went for two more. Is yeah? And then so what made you say, Okay, I gotta I gotta do something different? Like what what? What was it when you came home did you immediately said I'm not going back to jail. Or when you was in jail, did you say, look, I gotta do

something different, like with what meet your mind flips? The first time? I didn't think like that the first time, I said, you know what, I got caught because not something that I did. I got caught because he was doing something and I got, you know, wrapped up in it. So that's how my mom was, honestly, the first time nineteen years old, spent two years, and then came home. I'm like, you know what, I'm gonna do it smarter. I bought all the machines. I didn't need a middleman.

I didn't need him. I didn't need anyone. I was able to do everything myself. So, Um, the last time I went to prison, I was like, and I went to prison for the stupidest thing ever. I was like, you know what, this is not for me. I had to tell us to give us the stupidest thing because people need to hear it so so we can figure out what. So I'm in a restaurant, right, I'm in a restaurant, and the people who I was with, these are the people that I used to hang out with before,

who were still in the gate, who were still doing fraud. Um, they basically used a credit card two pay for a dinner party. The dinner party was like nine thousand dollars. They had bottles, they had a bunch of stuff, right, nine thousand dollars for this dinner party. And um, what they did. Now, I booked the I booked the reservation right under my name, my phone number. I didn't I thought everybody was gonna pay. I didn't think we were gonna like use a credit card for that. So I

booked everything. And basically they and they had a fight in the restaurant, so they like kind of messed up the restaurant. The police got involved, they called me, they came to my house and arrested me. And now I'm not going to be like it wasn't me that used the card, it was him. And then on top of that, I got a case of not a case. I had a prior you know, arrest for the same exact thing. It was like, okay, this was her. So I just

basically had to go in for a violation. I went in for a violation because I was on federal probation for the last case. So they basically violated me. They gave me sixteen months in the arm state. They ran a concurrent, and I just had to do the two and a half years in the facts and I would determinating my probation after So when you came home, you said I ain't so while I was inside, I was like, you know what this is. I can't live my life like this, Like I don't where where am I gonna

be five years from now? Like when I go home, what am I gonna do? Go back into doing credit cards for it and be back in jail? Like this is just gonna be like consistent, this is gonna be my life. I cannot live like this, like this is not me like I see so much more for myself, you know. And I had to sit there, you know, I prayed about it. I meditated, and I just asked, like, just give me away, you know, put good people in my life, you know, associate me with people that can

help me. Because I was young and I didn't have that guidance. I didn't have a mentor. I didn't have somebody that could, you know, help me get to the next level or tell me not to do this. This is the wrong way, you should do it that way.

I didn't have that. So going to prison, I met some really really great women, you know, who saw more in me than I even seen it myself, you know, just from conversations, just from you being with this person every single day, you know, like um i Usha Whole, you know, Jamilla T. Davis, like me being around them. They basically helped me. They like, listen, I see so much more on you, Like this is not your life. You know. I wanted to write a book. I should

push me. She was like, write it, write it every day. I'm like, okay, I'm gonna write it. She was like, listen, just write down some notes, give me a bunch of pages, and I'm help you write it. So that was like the start of it, you know, And I basically wrote out a five year plan. I said, I'm not going home until this plan is completed, and I'm a follow it. And whoever comes in between, whoever comes in between that plan, like, they just gotta go, they gotta go. I gotta dismiss

them from my life. And I was stern about that decision. I said, I'm gonna just let go everybody who was in my life. Fire who's still doing the same thing. No shade, I funk with you all, but from a distance, you know what I mean, Because I have to change my life. It's no other way. And the association with people, that's the first thing that would get you wrapped back up, you know. So I just have to disconnect myself. So when I came home, I basically just was around my

prisoners system. You know, people who have gone through the same thing. People who don't want to go through that go back to people have an experienced prison, they don't have anything to They just living at that moment. They haven't gone to prison, so they don't know what it's like, you know. So I'm like, I have to be with people and surround myself with positive people and people who have gone through the same things that I went through, because they don't want to go back down that road,

you know, And that's what I did. I didn't let nothing coming between that. No, but I don't care if I had to live in a shoe box like you, was gonna stay on the right track. So how did credit repair? I mean, obviously it's natural for you to go front because you understand, um know the issues, But how did credit repair become the transition? And then also have you when you went to court the first time, did you ever have to face any of the individuals

that you had frauded? No, Okay, it was so many, but no, I'm so happy I have it because, you know, after knowing what this is, this is an issue that happened to me when I was in prison. I called home to my grandmother and she was about seventy at this time. Now she's like, baby, I'm you know, I'm I'm so sad. Someone used my credit card and I've been fighting with the bank for the past six months and right now I have no money. You know, I

don't have anything. You know, they took uh seventeen dollars from me and you know, I don't have no money. The bank has given me a hard time returning the money. I'm like, real, yo, So that hey home, I was like, oh my god, Like they're real people. Yeah, yeah, these are real people. Like I don't know what the issue was, but what the circumstances were in their life, I could

have just you know, mess something up. Like And then that was basically when she spoke to me and told me at I was like, Wow, this came at the right time. This actually came during the time I said I need to do this five year plan because this is what I'm a following. I got that. I pulled home and that's the that was a conversation. Like that was confirmation for me. You know, I was like, wow, I can't come back here. So you got into credit repair. Yes.

So when I came home, the transition wasn't easy, you know it was. It was hard, um, especially coming from having so much, you know, at so young, and then you coming home and you have to like rely on people. Um. Even though I had my daughter's father, he was dead for me, um tremendously. But I'm very independent, you know what I mean. And I like to do things on my own. I like to help. I'm I'm the giver,

like I like to give people. You know, people around me and you know, so coming home, I was like, the first thing I need to do is fix my credit. I learned about credit while I was in prison. I didn't know anything about credit, you know. I learned how important credit was. I got a bunch of credit for dummy books. But at that time, it wasn't for me to fix people. Credit was for me to work on

my credit. Because I said, what I'll do is, you know, work on my credit and use that to start my hair company, or use that to start whatever company it is that I want to do. So when I came home, I did that, worked on my credit, got a bunch of credit cards. And how we started doing credit repair was um. I came home about I want to say, a year before Aisha, and when she came home one day, she was um. She had a bunch of Western Union papers like sheets to send out money. Mind and she

just came home. She didn't have no money. So I'm like, Aisha, what are you doing? She's like, I mean, I don't have money, but I'm just sending the girls thirty dollars each because I promised that to that. I'm like, I know, but you don't have it, Like you gotta give yourself together first and then you could give you know, because you're taken from yourself. And she's like, I know, but I promised them. I'm like, so listen, you taught me

how to fix She taught me how to fix my credit. Actually, when I came home, I'm like, you told me how to fix my credit. Why don't we teach fix the girl's credit that's coming home because these girls are about to come home. It was like six of them, they're about to come home, and I said, why don't we fix their credit to give them something for when they come home? Because it was extremely hard for me to come home to um, you know, adapt back into society,

not having the things that I used to have. But my credit is really what helped me because I got that first credit card for ten thousand, I was able to use that and flip it, you know what I mean. Maybe they could do the same thing. So this dirty dollars is cool for now, but let's give them something that's longevity, you know. So we fixed their credit. With six of them, we fixed their credit. We sent them

their credit report. They were so happy. One of the girls actually came home opened up a host fall like she's doing really well. Other ones do lashes and the other one has a real estate company. So they think us even to this day because we helped them while they were in prison. But I knew how hard it was for me coming home, so I wanted to do anything to help somebody because I wish I I've got

you know what I mean. So um, the girls told their husbands, told their sisters, brothers, cousin, so anybody just started calling us. This is before we even had a credit repair company. We didn't even think to do credit repair. Like. We were just doing it to help them and to help ourselves. And people just was calling us to fix their credit and we started like that and it just be crame came crazy. Before we even posted it on Instagram. We were getting calls and we just use that as

our money. We was like, okay, well this is a full flash company, Like let's do it. You know. I just want to say I want to commend y'all man shout out to shout out to you just just watching here, y'all motivating you know, sometimes I go on Instagram while

I see y'all shows. I'll be watching y'all and and I understand your struggle coming from prison, not having nothing, and to see y'all just come home with this energy, you know, just seeing y'all together, moving together, consistent, persistent,

and just growing every day. I just want to say I commend you because a lot of people don't believe that a lot of people think you're incarcerated, your formedly incarcerated, that your life is over, You're not supposed to do nothing, you're gonna do nothing, and you women defy that every day. So just I just want to say thank you for doing because it's motivational to more people than you actually

even know. Thank you. I appreciate that. And it's like coming home from prison, you know, you you look at what other people have, you know, and you're like, you're so used to having that, and it's really really hard to stay on track. You know. You gotta be really strong minded. And I think that's what helped me because I was determined to do the right thing. I didn't want to look over my shoulders anymore. Like that life became like crazy, like I'm driving and I'm looking back,

like to make sure nobody's behind me and nobody's following me. Like, I don't want to live like that my whole life. You know, it gets like when do you really say enough is enough? You know, like it's really hard, especially when you keep surrounding yourself around the same individuals. Like that was the first step for me. I had to let go, Like I still speak to people like from a distance, don't hang out with them, don't call them, but if I see them, hello, But I just had

to let go. It was no other way. Oh, I would have been wrapped right back up in that same thing because they're doing the same exact thing. You know, I want to join. I want to join my son and saying that it's very inspirational. Listen to your story.

You know, all of us as um, not all of us, but most of us who are black folks that or people in general who live in the world know somebody who got caught up right, But oftentimes we don't find people who were able to turn their lives around and be as progressive, as beautiful, you know, as inspirational as you are. And so I'm really happy to hear it. At a story that could have gone in a total different direction. It win in the right direction, and that

you are now an inspiration for others. So I just also want to give your flowers and you know, give and and really just encourage you to stay on the right track. Right like we it's a it's a office for each one of us every day to talk to ourselves to say, you know, don't go out and slap the lady who got on our nerves. You know, don't go out and you know and and do something that could ruin our lives. And so just that encouragement for you before you go, tell us what people need to

be looking for. We just came out the holiday season, and I know, even with me, I have to force myself. You know, there was a point in my life where I didn't really have anything. So I knew if two dollars was missing off the back, because you know, it was nothing in there. You have force collars and all of a sudden, I'm trying to spend thirteen and it

says that is declined. I'm like, yo, what happened? I know this is bad, But now that you know I have more resources, I have to always check every line of my statement to see where my money is going and coming. And another thing that I found, Um, I'm I'm gonna send things back person, So I ordered because I really like to shop in the store, but clearly they've taken all this good stuff out the stores and

everything mine. So when you send things back, you have to monitor whether or not that money came back into your account from the views, because it doesn't just show up. You have to actually know your money in order to true now. So these are things that as I'm getting older, I'm trying to actually pay attention to. So tell us what are things we need to be you know, looking for.

So you definitely have to have. There's something you can put on each credit card basically, you know, when you call up your credit card company, you can tell them that you want to put alerts on and what those alerts. What it does is like it it basically it knows how you use that card, and if it's something out of the ordinary, it will alert you or send you a text and say, hey, is this you using your card?

Yes and no? Like that's extremely important to have. Um too, when you receive those emails that says that your email address, your password has been compromised. Change it immediately because a lot of times what the hack is what they do is they'll take your information and they won't use it right then and there. They'll hold onto it. You know, they'll wait a couple of months down a line where you're not thinking about it, and then they'll that's when

they're going and use it. You know, UM check your credit report. You you can get one free credit report a year. Check it. It's important. Credit Comma is free. You know, look at the increase. Would you also pay? Like, would you suggest? Because you know, we love free, but sometimes free is not going to be like the indoor be all and we should actually be paying that nine or whatever to get the credit report, like you a your four nine for your Netflix and all those other things. Right,

I was, yeah, I was definitely gonna say that. Identity i Q is a really good one. You know, it's twenty seven or ninety nine. But it's important because not only do they send you alert, they monitor everything and they'll send you twenty five emails a day telling you about your credit Like you know, this is out of the ordinary. Your email was compromised, Like it gives you all of the allerts and that you have to pay attention to because it's so easy right now for people

to access your information. You think your passport and especially if you're someone who use one passport for everything, switch it up. Don't do that. Don't use the same passport for every card or for your cell phone, like, because once they have that one a hacker, they're gonna check and see if you know the rest of your information is with that same passport. And I know I'm guilty of that. You know, I'm guilty of using one password. But now that I know how they do it, I

switch it up. You know, even if you add a money sign or uh eurency anything, just anything, just switch it up. That's important. So you have um a credit company and you do credit repair. What is your company's name? How can we find you? We need everybody to reach out to you so we can get you some customers so we can be credit literate. You have our credit fixed? Yes? So my name on Instagram is Wanna Got Class at Wanna Got Class. The name of my company is called

the Real Credit Pro. That's on Instagram. You can also go to the real credit pro dot com. You can also find me on Shawanna King dot com. Um, you know, you can hit me up anything that you need credit related. I got you. Um. We are extremely affordable by people, you know, and for ninety nine, basically we'll remove all of the derogatory accouncil of your credit. Anything that's mega your credit, we'll get it off. Yeah. Listen, you know

all about the second chance your credit. You can fix it, you know, and you have a second chance like I just I'm a strong believer in second chances. Ye, definitely we need you know. That was one of the things when I came home. I don't even understand credit. I didn't know none of that, and I got somebody that got me in tune with it and realized how you can't even live without credit, right, you know, it's pretty much you can't do nothing. So this is definitely a

service that's needed, especially for returning citizens. You know, they're coming back trying to be productive and evolvement. So thank you for your work, Thank you for your evolution. Continue to be great, looking great. Thank you all of y'all. Man, just keep being dope. Man so much for having me. I really appreciate it. Yeah, we got We'll have you

back again. Thank you so much. Guys, thank you to make that thank you, my son, thank you in you too, I mean, really really important information and to hear it wrapped in a real story like she's trying to, you know, because sometimes we as black folks, we'd be like, oh, nobody got time for that. I don't have no money. But she's trying to tell you that you can actually

the credit you don't think you can get. She could have been able to increase the limit, get more money on your card, use it in a way that you don't even know how. Because these people are actual professionals. There's somebody sitting in another country working on increasing your limit right now, making sure like somebody trying to call me the other day, they were actually trying to get into my Verizon account and having Verizon send me the alert that if I would have clicked it, it would

have allowed them to get in. They probably would have ordered cell phones, worked out a deal, all kinds of things that they know how to do, and so we have to actually pay attention I right now. The thing that drive that I just don't understand is why if somebody sends you a d M on cash app and tells you to send me five hundred dollars a thousand dollars and you know the person has your telephone number. Why do people do that? Because sometimes you just be comfortable.

Somebody got me for like fifty dollars one time because it was somebody that I don't normally talk to that I might just see on Instagram a lot. That's cool with me, and it was like, hey, I need a favor? Can you let me fifty dollars? Now? Fifty dollars? You're not even thinking about it. You're like, okay, if they're seeing your DM. But if you asked me for five hundred dollars and you got my phone number and you DM and me, then that's a real issue for me.

So I think for me, fifty dollars was like alright, cool, and I wasn't even thinking about it. And then by the time I figured out I thought about it, I'm like, you know, did you send me this? And it's like no, my thing was happed, So you know, it's it's it's it's a quick scheme. Dollars am I sending you? Not even fifty? Not even five dollars? Will I send to somebody that sends me a d M? You have to ask me for my phone number and then we will speak on the telephone and you can tell me what

your problems. I'm just I'm just not gonna do I mean, listen, I learned the hallway. I agree with you that from no one not even find out you got. Everything that Shawanna was talking about is so important because it was really technical in terms of what to look for, in terms of how people get in trapped right and how they get caught up in the system. You know, she's done prison time for this, so she's really truly an

expert that people need to be listening to. But the fact that she took that experience and turned it into something that's positive for our communities is really important because she's got a lot of give back that she needs to do to repair um and and just to to to to hear herself from the trauma that has been cause to others in the prison time. But now we're talking to someone who is sort of on the other

side of the conversation. Um a financial expert. She is an author of two books, Financial Fornication and The Four Financial Languages. They call her Madam Money. Thank you so much for being with us. Tara Jackson not of money. That's now, that's the name queen. I appreciate that name. Man. Thank you for being here with us today. My pleasure, my pleasure. So give us give us some insight on what exactly you do. How did you start on this road to being matter money? You know? You how long

you've been doing this for twenty plus years? Like, how did this start? Yeah, I've been in the financial services game for over twenty years, which completely lies about my age. Yeah, I'm only sixteen for the it's eleventh time whatever or eleventh time. UM. I started off in the credit card industry. I was a telemarketer, uh, and I sold credit cards very well with eight and forty dollar annual UM annual fees and I was the queen of selling credit cards

over the phone. Um. But I decided to stay in the game because being a telemarketer helped me to get the extra money while I was in college. And then I started learning the business, started learning credit and then I started, you know, got job as a loan officer, and I just matriculated in the financial services industry. I really it wasn't my you know, lifelong dream to be

in the financial services industry. I just ended there because I wanted the money UM, and it was a legal way for me to do it and to learn the game, because what I realized with the financial services industry is that banks are playing chess, the consumers are playing checkers. That's why a lot of consumers getting played because they

just don't understand the game of it. So I wanted to learn the game, and I've been criculated up to I was a VP of lending of a credit union in Delaware, ended up being the vice president UM of a credit union and then the interim president CEO of the credit union in Atlanta, Georgia. And while I was there, I just realized that UM I wanted to start giving back to the community and I and teach them the game.

So I wrote the book Financial Fornication. And the reason why I call that financial fornication is because people were okay about talking about sex, who they slept with, who they wanted to sleep with, and all of that stuff, but nobody wanted to talk about their crappy credit and the fact that they didn't have me savings or they weren't investing. So I figured, if sex can sell a cheeseburg with Hardy's sex, can sell financial literacy with madam money.

And so that's how that became in financial fornication derived and so I quit my job um as a financial uh professional, and I turned into a financial advocate and promoting in financial education and so um that's where not money gave That's why I gave birth to amount of money. I guess so you so you come from the mind frame that fraud and credit issues it doesn't just impact the one person. I think I read somewhere that you said it feels victimless when people are out like, you know,

swiping cards and and and and harming um others. But you're saying that you feel like or you know that it impacts the entire community, that it hurts all of us when our credit is not up to speed. Can you talk a little bit about that. I know that people are concerned about wealth. They're starting to understand and they're starting to be an awareness around wealth and the wealth gap. You see people talking about it, but I'm not sure that folks have connected how credit is directly

impacting our wealth issues or the wealth gap. And then also for me, it's like if my credit is messed up, what does that have to do with you know another neighbor of mine. Okay, well, you know it's back to I teach a class um called young Money to college and high school students, and the first class is cream. Credit rules everything around me, and it teaches them about credit,

what credit is, and how it affects you. So not only affects you getting stuff and you know, buying things, but it can affect how you know, if you can get a job, It affects how much you're gonna pay for everything. It affects utilities, you know, if you're gonna get a cell phone, or how much you're gonna pay for it. So the lower your credit score, the more

you're gonna pay. So it affects you in your macro um economics as far as you and your family space, but the micro in the areas you know, it's gonna affect what kind of house you can live in, where you can live and all of that. So it affects your community space and where you are. And So although I don't think credit is every and credit is a very significant part of us when it comes to wealth building. Because credit is supposed to be a tool, right, it's

supposed to be leverage. It's not supposed to be um, something that pulls you back or hinders you are keeping you. You're supposed to be able to use credit, to be able to leverage to purchase homes or to get investment properties, or to do whatever if you do it the right way. If you do it the wrong way, and you do it in in the matter of fraud, eventually everything is going to be tracked to you. Because one thing that is tracked is credit, how you use it, where you

use it, and all of that. As we saw um in the episode the Young Lady was in, is that it tracks everything. It also doesn't affect just you, but it affects everyone dealing in the financial institution. That it affects because the more fraud the financial institution has to deal with, that means we're probably gonna have to increase the fees to compensate for all the fraud or the losses that we have. So then that's going to affect you. It's it's how much you're paying for financial services. If

you can get the financial services. Wow, that's that's a lot um, just isn't it to You can tell that you've really done a lot of homework. What do you think is one of the biggest misconceptions that we, you know, have about credit or money that black people reason why we spend it so fast, so we don't A lot of us don't really accumulated the way we should. What do you think is one of the biggest problems that contribute to that. Well. I wrote a book called the

Four Financial Languages. Right, So if you're familiar with love languages, I talk about the financial languages. And a lot of people don't really understand their dominant financial language. And because they don't understand the dominant financial language, it either controls them um subconsciously, or they don't learn what they need to know or understand to be able to build that wealth. Right. So, my dominant financial language is spending. I'm a spender. My

pleasure principle is in the transaction. There's something organic an orgasmic about spiping or doing a transaction. Right. But because I understand that, I know how I need to be communicated about how I communicate and what I need to be able to advance myself financially. So um for a spender, if you tell a spender to budget, when we hear budget,

we hear diet dye deprivation. I can't and we ain't got time for that negativity in our life, right, And so what we do is we rebel and so we know we need to save, we know we need to invest, but because it feels like people are trying to force us into doing that, we're going to rebel and we're going to spend. So if don't tell me not to spend my money, because I'll spend my money, your money,

and everybody else's money. What you need to teach me how to do is how to spend it on savings, how to spend it on investing, how to spend it on giving, and then savers, you know, if you're if you want to save, as a spender, we save to spend later. Okay, So when we can learn how to communicate about money, understand with my languages. So I'm not gonna go hang out at them all because especially like a best buyer or something like that, because I'm a

gadget queen. I'm not hanging out there because I know I'm gonna buy things I don't need. So when you understand what who you are, you can understand your limitations. Um, and I think that's one of the biggest things is that we don't really understand of respect our financial language so that we can communicate better about money. Because when we have our communication, communication is not just talking, it's about thinking, it's about reacting and how we do that.

When we respected and understand it, then we can start making better decisions about money and wealth building and how to do that for ourselves. Wow, that's a lot, So do you So where do people where it is one start? Right? Like, you know, Okay, I'm twenty five years old, I'm out of college and now you know, I've got my first job. Of course, I've got my student loans that need to be canceled, but you know, we'll put that in a different show. Right, that's a whole another show. Yeah, that's

different show. But you know, I've got my student loans. But other than that, you know, I don't really have

any real responsibilities yet. What do I do first? And how do we make it as painless as possible for people to one understand and also for them to get started, Because to your point, if I've been waiting all my life for this job that I now have, I'm paral legal or you know whatever, I'm you know, a nurses assistant, and now I have this nice check coming in, still living with my parents or you know, making it happen.

And then you tell me all my money needs to be going towards investments in saving, Well, what happens to the fun things that I want to do, all the things that I was never able to afford exactly. And so I never tell anybody you need to take all your check and spend invested all and everything like that, because then you're gonna feel deprived. And deprivation is the

beginning of destruction. Right, So when we feel deprived of eating because of diets, that is our that's the beginning of our demise and destruction, because now we're gonna overeat because I'm feeling deprived. I can't have my big mathew telling me I can't have our big mac anymore. And then I ended up eating everything else that's not you know, not healthy. And so what I tell people to do all the time is you have to plan your spending,

name your dollars. Okay, so if you want to get out of your mama's and your daddy's house, well you know you're gonna need a down payment or you're gonna need something, So you're gonna put money aside so you can spend it on that later to help you get there. Now, you know, start saving something sooner, definitely before you start getting heavy debt. So we start getting heavy debt in our thirties, right because we're getting the homes and the

nice cars and everything like that. In our twenties, we have minimal debt. We have student loans, but you know, they might as well cancel them. Like you said, I'm very good about my student loans. But you know, start sit putting aside money as much as you can because you're gonna need that cat later, whether you need it for a down payment, whether you want to buy a

car or whatever. So most of the people were talking to they are spenders, and a lot of people become narcissistic spenders because they have never experienced this amount of money. So I've then broke or my parents tell me I can't do it, and then all of a sudden, I get this nice job and so now I'm making the money. So you can't tell me not to spend my money.

I work hard for this. This is mine. So if they don't have a plan or name their dollars what's gonna happen is their dollars are gonna dictate what they can and can't do. So if they give all their money out to the world, then the world is not going to leave them anything back. Now, how do you get started? Well, you get started. You can google. Google's the girls. She knows everything. If you want to learn about how do I invest, how do I do this,

or whatever, it's gonna lead you to different apps. It's gonna lead you to money professionals like myself, or financial advisors or whatever. There's a whole black and brown community of us that talk about financial literacy. And you know, depending on what you want to talk about, my girl budget LISTA, my fab five finance. We have a whole slew of us out there, but a lot of people saying, well, I don't know where to go. Hell you you google everything else. You can google how to invest, how to

build wealth? You can do that. Um, So that that excuse, I I don't. I don't play with that excuse anymore. So I don't give sympathy to stupidity. Because if we want to learn something, we will find a way to figure it out. We will google it, we will ask the right person um had. The young lady, she was brilliant, She had a brilliant mind. She just used it in the wrong way. But she figured things out. And we want to figure something out, We'll figure it out. That's

that's a that's an a minimum right there. We're gonna figure it out or we're not gonna figure it out. So based on being a financial you know, expert, and you talked about how many how many more experts especially we have a lot of black on financial experts out there. Do you think that as a whole we're getting better?

What's our finances that we're doing more? Are you seeing you know, more people moving in the right direction and with this information, are you seeing the growth of we're moving towards being more than just two percent of the wealth in America? Do you think that we're gonna get past that eventually? I do believe that we're gonna get past that. That's something that we're gonna have to start training ourselves to do and start teaching our children how

to do so that we can become better at it. Right, so we can't teach what we don't know. The great thing is is now sexy. You know, we're making black wealth sexy. Black wealth matters is sexy, So people want to learn more about that and building legacy wealth and building wealth. So more people are going to that mantra, which is a good thing. Um. The scary thing is is that it gives people an opportunity to do the

wrong thing. So there's a lot of people building wealth with misinformation, um you know, even dealing with the I R s. You know, with UM with you know, even some cryptocurrencies. Not all cryptocurrencies are bad, but there are some organizations that teach the wrong information, and so a lot of us want this get rich thing that if you put in five dollars you can give them you give a million dollars. I can't remember what susu um

type things. So people have to be very careful with those type of things because they're working off of your ignorance. So how to so you have to be able to discern or to do some research, you know what I'm saying. Shop around. That's where I tell people all the time. If you like shopping, you shop around to find the

best deal. Well, sometimes you have to shop around to make sure the information is correct, make sure there's some legitimacy because there's a lot of people that are on social media that sound like they know what the hell they're talking about, and they don't. But there's people paying into it. So the only person that's making money is the person that's giving out the misinformation. So you have

to be very very careful with with those things. But wealth building is becoming sexy and so we are seeing more people that are willing to talk about it, that want to learn more about it. But right now, it's about how do we transfer that knowledge into the people that are coming behind us, our children, because that is where we're going to see the wealth you know that's building. It's that legacy. It's a garden that you never get to see, you know, shout out to uh what Hamilton's

um there. So I think that wealth building is the time now to get on board and to learn so that you can feel the remnants of it and you can pass it down to your children and children's children. I think that should be a course right now, Like for kids. I think we should have like wealth classes, like you know, credit and all these things I think we don't need to pass. I think it actually should

be incurriculous. I've been fighting for that for many years what I do love about and I keep shouting out Budgetessa Tiffany a leash. You know, she's my sister. She's a really good friend of mine. But she she fought to get financial literacy in New Jersey schools and it's

it's stayed wide. You know. I'm fighting for it in Delaware because that's where I'm fun from, and so it should be a requirement because I'm required to learn a second language, which I don't really have to speak, but I'm not required to learn how to balance an account or checkbook or learn credit. And I found that when I do my Young Money series at high schools and universities. I went to Cornell University and didn't Young Money series, and it was surprising that they did not understand what

credit was. These are college students. They didn't understand what credit was. They didn't understand their student loans. I have a session I called Saved Me Sally May, where I teach them about student loans. They didn't understand how to negotiate um their first salary. I do that as hire me as a class so I can teach them teaching the art of salary negotiations. But that's something that has to be taught, and right now it's an extracurricular activity

or in colleges it's in business classes. But what about those students that are not business UM majors. It needs to be something that's a fundamental requirement from if a person. You know, as soon as I give a child a dollar and they know what to do with it, that's

when you need to teach them financial literacy. That's UM that definitely needs to happen in it and I feel like it should be a UM area, guess a portfolio of the civil rights movement of something else that we all fight for to make sure that when we're talking about education, that we're actually fighting not just for financial literacy, but also there are other things that our young people need to be learning about life that is not included

in the current curriculum. And my son not often to debate that it is probably why so many of our young people feel totally disconnected from the education that they're receiving, because they don't feel like they're being taught. And by the way, unfortunately, there are young people who are living like real lives every day, like you know, they know what skills they need, they already know that when they go to school and they're learning, I don't know. You know,

geometry is something, it's cool. But when I get home, I've got to help my parents cook. I need to pick my brother and sister up. I know I need a skill that I can use so I can work

somewhere on the weekend. I don't know how to fill out an application, like these are real things that's happening in my life, and you're telling me to draw one line from this side to that side of the paper and not saying that that's not important, but but but but what is How is that going to help me with what's going on back in my neighborhood that I'm dealing with every day. So I I think you're a hundred percent right that it should be required. And as

you said, shout out to a budgetista. Uh, and the work that's being done in in Jersey, but in New York, Delaware and all across the country, especially when you have mayors and governors who are actually listening, we should start a trend of fighting for that in those communities. Yeah. I mean they stopped teaching and really they started really stopped really teaching um with no Child Left Behind Act

when that first came out. Then they started teaching to test because they started holding teachers accountable for passing tests for students passing texts. And that's where teaching no where became fun. It became a requirement to make sure students pass a test because you know they there was home at you know, you at least learned how to cook and do certain things. And a lot of the schools are saying, yeah, well, now your parents have to teach you.

Where the parents working two jobs and you know, a latch key kids, No one's there to teach them. If the parents don't know how to do it, they're not going to teach the kid. No, nobody talk them exactly. Nobody's talking parents. Which brings me to my last two questions before you go there. Quick questions though, One, do do wealthy white folks or just white people who are doing better than some of us? Do they have people that like walk them through every step of this stuff?

Like how do they know so much better than us how to deal with credit and and to um, you know, be more or financially literate. That's one question, and then the second question is n f T S I have two separate threads of text messages and just in my life in general. One side, everybody's excited, everybody's for it. The other side they're bashion it like crazy, sending articles

every day saying it's terrible, it's no good. This went on during the Christmas holiday, and I thought everyone was on board, the n f T S was good, and then I started getting these messages from this other threat where they're saying that it is uh, it's it's a scam. So I just wanted to get your perspective on those two things. How are wealthy wealthy are and particularly white folks, how do they learn what to do from a financial financial literacy perspective? And then the n f T um

new phenomenon. Okay, so the first question I'm gonna ask you this question rhetorically, who built the system? M M. David? Who built the financial system? Who built the credit system? And of course, if that person, if you know, if they are Caucasian or whatever, if they have been a part of the process, generation of generation, generations ago of doing it. They've seen wealth in the past, They've seen how their parents, so they have they have a model

that they're doing right. Think about how we came to this country. Think about how we're doing wealth and infraction of us have built wealth, major, major wealth. But what they did was they paid attention, probably to the white people that were building wealth, and they modeled the behavior. So if we don't have something to model the behavior of we can't teach it or we can't model the behavior. Well, we are modeling the behavior, but we're probably modeling the

behavior of poverty, right unbeknounced to ourselves. We think that we're teaching about being rich and all that stuff, but are we modeling a wealth behavior, a wealth mindset? You know, law of attraction? Do we really understand it? Do we believe it? You know? Do do are we teaching it? So there is a model of that. Most of the people that are wealthy, they believe in the law of attraction. They believe in the understanding of uh that what you think,

your thoughts become things. They go to people, or they look at people who are making the money seeing what they're doing, and they model the behavior, or they ask for mentorship, or they do certain things. A lot of us we just think that we because we were slaves, because we did this, y'all supposed to help us out,

and it just doesn't work that way. If we want to take over and become a model of wealth to our families, we have to take control and said I'm going to learn this, I'm going to do this UM and not wait for someone to to give me penance or someone to say, Okay, we're gonna give you a million dollars, because I promise you if someone says, you know what reparations we're gonna get every black person a hundred thousand dollars, I bet you of that hundred thousand

dollars are gonna be spent in white communities or in white stores. Right, it's not even gonna stay in our community. We're having a hard time trying to convince people to buy black so UM. I think that it's something that was modeled because they built the system, and those that want to grow up with a wealth mindset and give legacy, they are modeling their learning, their researching that behavior and replicating those services. Now, as far as n f T s, I'm not an n f T expert, nor do I

play one on TV. I've seen the same thing as you where they say the next n f T s are the next best thing and then I've seen on there it's a fraud, just like cryptocurrenesis currency. So it's reminding me of the cryptocurrency when it started coming out, when they say if you get in now, you're gonna make millions of dollars, and the other side is it's a hoax, you know, or whatever. But as much as people want to say about cryptocurrency, cryptocurrency is still here.

You know what I'm saying. It started out at ten thousand dollars, now it's at fifty thousand right. Um where it's gonna go I don't know, but there's countries that are investing in cryptocurrency, there are financial institutions that are considering cryptocurrency. N f T. I I don't know enough. I'm still researching it to figure out what it is, how it's gonna benefit. My whole thing is how can I leverage that into spending money because they said I made a million dollars or n f T, but isn't

really hard cash money. So that's where I say, before you jump into a whole bunch of things, you got to do your research and make sure you're not buying into misinformation. And if n f T is your thing and you you've done your research, go with God, make millions of dollars um, but don't just jump on it because it's the next best thing, because that can you know, make it go broke to That's definitely true. I want to say thank you you giving us so much information today.

You know, a lot a lot of what you said about just schooling, especially what you said about who created the system. You know a lot of us we didn't have access to that system, and a lot of you know us don't even know. But when we do learn, we're able to capitalize faster. So you know, that's what that I model. I try to do that. I try to get information and bring it back, you know, piece by piece the whole n f T thing we still knew,

were still researching, but there's so many different things. I'm just glad to see that black people are taking the initiative to figure out. Listen, we've been we haven't had any part of this wealth for so many Like what do we need to do? You know? I'm glad that

that is a constant question. Everywhere I look. There are different people who are educating themselves about wealth, about generational wealth, about you know, education about how do we continue to grow and evolve and get a piece of this pot. So thank you for what you do. Thank you for the information that you today. Continue to be great queen. You know, tell everybody where they can follow you, how they can get some of this wealth of knowledge that

you have. And you know we need you to continue to just keep educate cause I'm gonna follow you. I need to get some of this matter money that you've got, you know, I need awesome. You can definitely go to my website not of Money dot com, or you can follow me on social media, Miss not of Money. M S M A d A M M A y um connect with me, follow me. I'd love to give you some virtual love um out there. So thanks for having me too. I'm following you right now, Miss Madam Money.

That's M. S. Madam Money and I'm as m A D A M M O any y. Some people like to put the E in there, but this M A D A M M any wise Money. I'm going to follow you right now. Thank you again for being with us today. Thank you, Queen, Thank you. One man shout out to Tarat Jackson Dope Dope individual information. You know, we need people like that. Man. It's it's good that we have so many people now, especially in our black

and brown people, who are getting so financial. Literally, like before when I was, it wasn't really a thing we told on how we're gonna get money, we want to buy old things. Now you have people like terror was telling you how to keep money, how to make money, how to invest money, how to you know, how to build credit, how what credit is? You know how to utilize things. So you know, our kids are going to be better than us, man, So shout out to charl

for that information. Yeah, these kids are working like crypto and they're they're they're literally they know how to do online trading. Like I'm online and sometimes I sit up late at night and I go into like the dark web, which is not really dark, but like this, this whole if you will, of just young people who are out here learning how to invest, their making money off of crypto technology and whatnot, because they're already so much further ahead.

And I guess we were further ahead than our parents on different things as well, you know. So that's a good thing. But the more that we instill it and the more that we talk about it, the more that we make it a part of our everyday lives in our households and our families, than our young people are gonna become more, as you said, financially literate. They're gonna become,

you know, just better at um understanding the dollar. And I think a part of the thing for us is that we have been so very much, so focused on understanding our voting rights that most of our young people, even if they don't vote, they know there's a time when people go to the polls and they cast their vote, and they understand that system for the most part. Of course, there's many details to the political system that we don't know and we have to learn, but we understand the

fundamental basics. And that's because since the beginning of time to come, not of the beginning of time, of course, but since um, you know, since we received our voting rights. This is something that has been a staple of the Black household, to talk about voting for president, to talk about, you know, going to the polls, using your right to vote.

People die for us to be able to vote. So now I think the same it applies to how we have to instill the same type of messaging in our young people and get them in the in the in the consciousness and the awareness of what it looks like to use your dollar and not just your dollar, but your credit for the greater good, not only of yourself, but of your entire community. She was to make it so many good points. She was talking about how kids aren't you know, in certain we talk about how kids

and aren't thriving. Our kids aren't thriving in the school system. And I thought about my son telling me the exact same thing. How you know, it's it's is test base. Now it's not about you actually learning and things like that. And our kids just need to be challenged. And I think this new information and just wealth and all these things and things that challenges to challenges them and gives them more opportunities, but also brings me to my I

don't get it. You know, being from the inner cities and coming from poverished communities, understand how poverty is violence and just looking at where we are, like we're dealing with so many different things, especially when it comes to violence in our communities. Gun violence is at an all time high, Like I mean, it's just out of control. And I think for me, I don't get how violence, gun violence, and all these things has been incentivized to our kids. You know, it's it's such a new trend.

I remember being twelve and thirteen in the quote unquote O G S wanted to keep us away from that lifestyle. You know, whatever they was doing, they try to make sure that we went to school. You know, they gave us money to keep us out to school, I mean out of this treats. They gave us sports that you know, they threw basketball tournaments, They did so many different things. Whatever they were trying to do or whatever they were engaged in, they definitely wanted to keep us away, you know.

And I just don't get now how these quote unquote O G S or not trying to give the kids the game, but they're trying to run game on the kids, and they're giving the kids the guns, and they're giving them send them out on these dummy missions, and they incentivizing them to throw their lives away. Like I literally watch on the internet every day whereas either bloggers or other people doing things to incite violence with kids, These

are not growing people. These are seventeen, sixteen, some thirteen year old kids. And I just don't get how as a grown man that you have. It doesn't bother you, it doesn't hurt you, It doesn't make you feel a moral responsibility to to protect and shield these kids from that lifestyle instead of leading them to it. Well, I think it's just on the internet now. I was growing up in the housing projects in Harlem Paul Manhattanville. We used to watch young people working for the drug dealers.

Um you know, we used to watch kids ten eleven, twelve years old carrying out violence for somebody who put them out there to go rob a woman or to go be the shooter. We saw it. I mean, there are young people, or there are people who are grown men in prison today because they listened to somebody when they were young tell them to go and do something crazy that ended up getting them twenty five years maybe

even life. I don't think it's really new. I think that the same applies to everything that we're watching be glorified on TV. Because the one thing I can on not on TV, but on your cell phone maybe on TV as well. But the one thing I will say is that there wasn't a market for it, right, and there is a market now, so there it's actually profitable.

But it was always happening. It's just that there's a dollar amount, and as you said, and in an incentive that has been placed on the lives, the murder, the brutality, the trauma of um young people, of black people, of brown people, of poor people. And I think that's where

we have to focus our attention on. How do we make it where it is it is no longer profitable for people to kill and make money or to harm a woman and be able to get X amount of views online that makes them look like they're you know, they're popping um. So you know, But but I don't. I don't. I don't think that the acts are different. I don't I think well, I mean just I think, for me, let me cut you off. I think being in the street right, being from the streets right, I

think there was a disdain for that. I don't think that it wasn't happening. Let me change that's not that it wasn't happening. Those people weren't celebrated. The people who were doing that, that were praying on the children, they weren't celebrated like you weren't supposedly an O G. And you had eleven year olds, a ten year old was working for you in the rest of the ogs just like you was cool with. That wasn't something that was happening.

Like when when when I was a young dude and we was outside, they wasn't getting us at eleven and twelve years old, they just wasn't. There wasn't it was ogs like, yo, you know what are you doing? Man? Take your ass. They was trying to keep you off the streets. I mean, that's just I think they were. I think you grew up in a different type of community with different issues, even in the same city, because

where I grew up, it was celebrated. There were older folks, older men in particular, who prayed on the women that they were sleeping with or the women who were crackheads living in the building. I don't know if we're supposed to call them crackheads. It's probably a more politically correct term and more respectable current term. But they were addicted

to crack um. There were people like that. The folks preyed on and they used their children, They used their children, and and and it and it was and it wasn't. There was no outrage in our community other than the few parents, of which my parents, my parents were a part of. But it wasn't like everybody in the community

was like, hell, no, this is not acceptable. Yeah, well, I guess, like you said, maybe I was in a different part, But I know that most of the the O G s and even the ones that was hustling around us, they didn't They didn't allow you to pray on children and women. They just did. It just wasn't something that was okay. You know. Now you definitely you definitely could not shoot in a park or while people

were outside sitting on the bench. That was like, you know, you were exiled from the whole hood if if you did that, that's a new thing where you just shooting in four year olds and five year olds are being hurt. We didn't have that, Yeah, I mean I just for me, I don't I didn't know as many thirteen and fourteen year old shooters that I know to that. Like when I was younger, we were thirteen, We was having fun. We was playing basketball, We was playing football, you know

what I'm saying. We was into different things. We had something else that we were doing. There was a couple one or two that you know, there was like heavily doing ship that we was like what are you doing that for? But for the most part, at thirteen and fourteen, we still had some level of a childhood, you know, And I'm watching these thirteen and fourteen years now, they've literally stripped them of a childhood and moved them into

Delwood and then adult facilities facing life, you know. So you know, I'm still of the mind state that we gotta protect our children, man, And I just I maybe it was happening, maybe I was shielded. Maybe you know, I was I was lucky to be around what I call real o gs that protected us. But I still don't get it. I still don't get how it is the new thing, you know, how it's just pretty much just advocated for and promoters or how they well, on that note, one thing I could say that what they say.

One thing that's for sure, and two things that's for certain is that you're going to work very hard on trying to end the culture that is unfortunately creeping into our communities. And you know, I'm proud to see you really focus and sort of hone in on what your contribution will be um to society. You know, we're all in the fight, but each one of us has different areas that really move us and for you. This this

culture is violent culture. Uh, the culture of of turning our young people into these freaking I don't know what you call them. I mean, I don't even want to use the words to describe. But the pain and the trauma that's being caused is very demonic um and I think the only way we can fix it is having individuals like yourself and a host of others coming together constantly wrapping our arms around our young people. That's right, Boycott Black murder Man. We're not We're not standing for

the detriment of our babies. No more, you're not praying on our kids. We're not calling you O g S. We're not respecting you. We're not doing anything if you're detrimental to our community. So with that said, we had another dope episode Politicians, our first episode back after the New Year two. We look forward to being a number one podcast in the world. We're speaking into business because words become things, and we want to say thank you for supporting the Slash year. We're gonna do bigger and

greater things this year. You got anything you want us to talk about, anything, make sure that you hit us on street. Politicians pot on Instagram, d m us send us information if you have any products you know we definitely you gotta have a real business, so you have a real business. We showcase small businesses on this platform, so we just want to continue to grow. Man, thank you. We hope that this year is better than last year. And like we always say, I'm not gonna always be

right to me. It's not gonna always be wrong when we both always and I mean always be on there