Speaker 1: Still living in manually taking notes. There is a better
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Speaker 1: dot Ai. This podcast is sponsored by Better Help Online Therapy.
Speaker 1: I'm Michlene Maloof and I'm Nadiadesi licensed therapists and hosts
Speaker 1: of Getting Better Stories of Mental Health. Join us for
Speaker 1: discussions with Megan Trainer, Chris Bosh, Rebel Wilson, and more,
Speaker 1: from discussing motherhood to immigrating to general mental health. Our
Speaker 1: guests are awe inspiring. We all struggle with the same things,
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Speaker 1: proud equal opportunity employer. Welcome to Many Being Conversations. I'm
Speaker 1: your host with Sean McDonald. Each Money Making Conversation talk
Speaker 1: show us about entrepreneurship and entertainment. I provide the consumer
Speaker 1: and business owner access to celebrities, CEOs, entrepreneurs, and interest
Speaker 1: decision makers. I recognize that we all have different definitions
Speaker 1: of success. For some it's a sizable paycheck. Mine is
Speaker 1: helping people wake up and inspiring them to accomplish their
Speaker 1: goals and living their very best lives and their passions.
Speaker 1: And that's what I'm here to do for you today.
Speaker 1: I want you to stop tripping over the small challenges
Speaker 1: and prepare to rise above to the bigical obstacles that
Speaker 1: life is going to present to you. That is what
Speaker 1: Money Making Conversations is all about. The Money Making Conversation
Speaker 1: interviews that you're here from my show will provide latable
Speaker 1: information to the listener about career and financial planning, entrepreneurship, motivation, leadership,
Speaker 1: overcoming the arts and how to live a balanced life.
Speaker 1: That's why I do this show. That's why I invite
Speaker 1: guests on my show talk about their career, talk about
Speaker 1: their highs and lows. But guess what, because they're on
Speaker 1: my show, all of my high and we're gonna keep
Speaker 1: it that way. My guests is on the phone. One
Speaker 1: of my favorites UM known a long time. She's always
Speaker 1: been an inspiration within the financial community. You've seen that
Speaker 1: many times on Steve Harvey's talk show, as well as
Speaker 1: a major influence at different UH African American festivals around
Speaker 1: the country, especially Essence. I know she did a lot
Speaker 1: of things with the Neighborhood Awards from me. She does
Speaker 1: an annual event with my good Friend in the Miami area,
Speaker 1: and more importantly, she is a friend named by Urban
Speaker 1: Influence magazine as one of the twenty hottest influencers in America.
Speaker 1: My next guests an author, entertainment executive, and celebrity financial
Speaker 1: coach who uses a quick wit and she's funny and
Speaker 1: humorous present sation style to help others face their money
Speaker 1: issues and achieve personal, professional, and spiritual harmony. The Richardson
Speaker 1: Finance Group provides a wide range of wealth and tax
Speaker 1: planning strategies to help you create generational wealth. Please welcome
Speaker 1: back to money making Conversations, my friend Lynn Richardson. Hello, Hello, Hello,
Speaker 1: thank you so much for seaness to McDonald's for everything
Speaker 1: you're doing. You know, the title of your show is
Speaker 1: so appropriate. If it's not a money making conversation, what
Speaker 1: kind of conversation is right? You know? I always tell
Speaker 1: people when people would call me and then they would
Speaker 1: start asking me questions about what I'm doing, I'll go,
Speaker 1: hold on, hold on, holo, you called me? Why Why
Speaker 1: am I answering questions about what I'm doing? And you
Speaker 1: call me? Please tell me why you called Please, let's
Speaker 1: let's talk this all over again, because I know what
Speaker 1: Rishan McDonald's doing, and and people would laugh at me,
Speaker 1: and they were you talk like that to people. I say, yes,
Speaker 1: I'm sitting in my house not doing it. They are
Speaker 1: at the job or rolling in the streets. You called me.
Speaker 1: The first thing you cannot do to me land and
Speaker 1: say what you're doing? Man? What's up? That's right? That's problem,
Speaker 1: our problem. And so that's why I'm trying to making
Speaker 1: conversation is based on information. Because when you're listening, hopefully
Speaker 1: I give you a breakdown on opportunity to grow your
Speaker 1: thoughts and also your values because we all know Landing,
Speaker 1: you know what what people think of you is what
Speaker 1: they're willing to pay. What people think of you is
Speaker 1: how they're willing to how they will talk to you.
Speaker 1: That is a big part of your whole grant. And
Speaker 1: when you talk about brand, we talk about generational wealth. Correct,
Speaker 1: that's right, we're talking about generational wealth. We're talking about
Speaker 1: making literally money making conversations. And you said something in
Speaker 1: your intro that it's not all about the money, but
Speaker 1: at the end of the day, we we do need
Speaker 1: money to survive. Money is like oxygen. You gotta have it.
Speaker 1: And so whether that conversation be about improving your own life,
Speaker 1: improving your own mind, um hitting the reset button button.
Speaker 1: And that's what I feel like this season is Rashan.
Speaker 1: We we sat down with our planning meeting, third quarter,
Speaker 1: fourth quarter of planning for We doubled our goals in January,
Speaker 1: redoubled our goals in Sebruary, and now considering everything that's
Speaker 1: happening right now, we have quadruples our goals in March.
Speaker 1: So I want people to understand that that sometimes what
Speaker 1: looks like a problem is actually a blessing. This is
Speaker 1: a time to think. This is the time to strategize.
Speaker 1: This is a time to hit the reset button. This
Speaker 1: is a time to collaborate. But more importantly, this is
Speaker 1: a time to to go up. To go up, I
Speaker 1: have one of the most significant UH movements happening right now.
Speaker 1: We have so many UH working family, single moms with
Speaker 1: children who are at home. And so what I am
Speaker 1: encouraging people to do is to term school all at
Speaker 1: home and to a home based business because your children,
Speaker 1: see there, said so. A lady called me and she
Speaker 1: asked me. She said, Lynn, I just had to buy paper.
Speaker 1: You know, these children are eating all day that in
Speaker 1: the refrigerator all day long. They only get one meal
Speaker 1: and two snacks to a school, but when they get
Speaker 1: home they want to eat all day she said. She said,
Speaker 1: I have to buy a computer. She said, Can I
Speaker 1: write it off? I said, no, you can't. I said, However,
Speaker 1: if you had a home based business, you could hire
Speaker 1: your child to work in your home based business. Now,
Speaker 1: when you buy that computer, it's a tax right off. Now,
Speaker 1: when you buy the food and the snacks and whatever
Speaker 1: it else, whatever else it is. So I have published, uh,
Speaker 1: my greatest book ever. It's my first job, a kids
Speaker 1: guide to money and entrepreneurship. And while these children are
Speaker 1: at home with parents, this is the time to connect,
Speaker 1: to get back to the basics, to go back to
Speaker 1: what Big Mama and them taught us, but also to
Speaker 1: build wealth and to create a new legacy for ourselves
Speaker 1: as a community. Well, you know it's so important. I'm
Speaker 1: gonna going to the front party or conversation. We started
Speaker 1: talking about when times are harder times or crisis, you
Speaker 1: have to become a thinker and not a person burdened
Speaker 1: by the crisis. And listen, I'm thinking like a person
Speaker 1: who who makes money. When people see the stock market
Speaker 1: go down, there's a group of people out there are happy.
Speaker 1: They're happy because they're about to invest. At what you
Speaker 1: might consider a bad time, they see it as an
Speaker 1: opportune time. Now here's something that Donald Trump did. As
Speaker 1: soon as they all got low, he bought all to
Speaker 1: refill the reserve fields. See that's how people with money think.
Speaker 1: You know, they understand that they may be losing, but
Speaker 1: they also see the potential gains. And so what we
Speaker 1: do people who don't have money, or people who are
Speaker 1: always feeling bad when times go bad, we should are
Speaker 1: out mope. We don't. We're not planners. Were dreamers do
Speaker 1: We not go oriented people? And that really disturbs me.
Speaker 1: And that's why I always enjoy bringing you on my show,
Speaker 1: because you are planning. Like you said, Look, Roshan, you
Speaker 1: know you can. You can create a home business, but
Speaker 1: you gotta be consistent with that plan. You can't just
Speaker 1: create it for one month. Just stop that hold up now,
Speaker 1: that's right, you have to keep going. I feel like
Speaker 1: Jeremiah in the Bible. You know he kept telling the
Speaker 1: children of Israel, listen, do this, through this, through that.
Speaker 1: Then when everything was obsolete and destitute, the land was bleak.
Speaker 1: You know that that scenture. I have planned to prosper
Speaker 1: you or not to harm you, plans to give you
Speaker 1: hope in the future. That was at a time when
Speaker 1: everything seemed like it was gone, all the richards was gone.
Speaker 1: People had to stop, they had to rebuild. We are
Speaker 1: in that time now. And and Rishan, you know when
Speaker 1: I released the book, you were one of my first stops.
Speaker 1: I have been telling people to get a home based business.
Speaker 1: I have been saying it for twelve years. I feel
Speaker 1: like I just want to run outside and screen, but
Speaker 1: I can't go nowhere. So keep yeah, hey, say over there,
Speaker 1: don't don't look at don't even I told people, don't
Speaker 1: even blow me a kids. Okay, right over there, love
Speaker 1: me a kids. But this is the time. See here's
Speaker 1: what people also need to understand. What sean The world
Speaker 1: will never go back to the way it was because
Speaker 1: now corporation and the in the in the world, the
Speaker 1: universe understands that we can continue to move without people moving.
Speaker 1: Do you hear me? Without people moving? So do you
Speaker 1: think people are going to Everybody's just gonna go back
Speaker 1: and get their jobs. You're gonna go back to the
Speaker 1: hustle and buffalo. I have to be honest. I was
Speaker 1: feeling a little strange because it things are moving, emails flying,
Speaker 1: nobody sits down. Now everybody has to sit down. So
Speaker 1: now is the time to establish your home based business.
Speaker 1: Not only so you can get more money, but when
Speaker 1: you have a home based business, it's the only way
Speaker 1: to get your money back. You have four hundred seventy
Speaker 1: five attacked production. So this is to me, this is
Speaker 1: a blessing, and I say, God does not promote powders.
Speaker 1: God don't promote powders. So the situation that you're in now,
Speaker 1: you might as well smile because you can't change it,
Speaker 1: absolutely absolutely, you know the things you know. The thing
Speaker 1: about it that when you're talking land that I always
Speaker 1: hone in on is the consistency of your tone. But
Speaker 1: more importantly, let's let's get personal by Rashan. When the
Speaker 1: crisis hid, you know I didn't. I was confused. You know,
Speaker 1: how do I how do I deal with my employees?
Speaker 1: Will they be effective working from home? You know, because
Speaker 1: I I can't monitor anymore. You know they come in
Speaker 1: at eight. I know they don't walk through the door eight.
Speaker 1: I know they are the eight when they come when
Speaker 1: they when they at five, I know when they leave
Speaker 1: it five. I got all that, But what are they
Speaker 1: doing between eight and five? Because I can't see him anymore. Well,
Speaker 1: I have zoom. I do zoom meetings in the morning.
Speaker 1: I have deadlines. That got if you met through email
Speaker 1: communication and have a zoom meeting in the afternoon. That
Speaker 1: way I have a working relationship with my staff. So,
Speaker 1: like you said, things are gonna change for the good
Speaker 1: and the bad. The bad means that you have to
Speaker 1: make the adjustment, meaning you to employ you, or you
Speaker 1: to employ you or the supervisor. But the good is
Speaker 1: that you can continue to get effective work responsibilities out
Speaker 1: of your employee employer employees that you have on a
Speaker 1: daily basis if you have a plan. And this is
Speaker 1: all about having the plan correctly. And yeah, this is
Speaker 1: all about having a planet. And what you just said
Speaker 1: is so key because you like many entrepreneurs and executives
Speaker 1: and CEOs and people who have staff. I said to everyone,
Speaker 1: to all my colleagues that said, listen, this is the
Speaker 1: time to go in deep. This is the time to
Speaker 1: capture their attention. This is the time to really coach,
Speaker 1: to coach our team. And we have to inspect what
Speaker 1: we expect. You got to inspect what you expect. And
Speaker 1: there's no better way to do it with people. Because
Speaker 1: see now we've got more productivity. There's no commuting. They
Speaker 1: don't have to get in the car, they don't have
Speaker 1: to rush, take a run and take a shall will
Speaker 1: jump in the car then get to you. They are
Speaker 1: settled there at home. So I love what you're doing
Speaker 1: and I love the fact that you said you're building
Speaker 1: more better relationships with your staff because this when when
Speaker 1: we come out of this, there's gonna be a significant change.
Speaker 1: But the number one thing I'm saying is start a
Speaker 1: home based business. I have a home based business webinar.
Speaker 1: I'm doing it almost every day of the week because
Speaker 1: it's five easy steps. You don't have to file anything,
Speaker 1: you don't have to go anywhere, you don't have to
Speaker 1: go tell anybody. There's five basic steps to start a
Speaker 1: home based business, and anyone can have one within the
Speaker 1: first ten minutes of the webinar. And then the second
Speaker 1: thing is to live so significantly below your means. People
Speaker 1: are concerned about their monthly payments. And what I'm telling
Speaker 1: everybody is his first list all of your creditors, every
Speaker 1: last one of them, Netflix and everybody, every single person
Speaker 1: that you pay. List them. Second column, list the amount
Speaker 1: that you owe now, third column list the total balance
Speaker 1: Thatt's do and then the fourth column the do day.
Speaker 1: Once you have all of that, go down the list,
Speaker 1: call each one of your creditor ask what do they
Speaker 1: have in place in response to the lack of work
Speaker 1: and income due to the pandemic. If they have a
Speaker 1: three month extension of four month extension. Take it. I'm
Speaker 1: telling everyone to take the extension even if you can pay.
Speaker 1: And let me tell you why, because you need to
Speaker 1: stack your dollars. You need to put as much money
Speaker 1: to the side as you can because we don't know
Speaker 1: the long term effects of this. We don't know what's
Speaker 1: gonna happen days from now. And those stimulus checks, those
Speaker 1: similar checks are not enough to live on. Those stimulus
Speaker 1: checks are enough to buy lightsol hand white, uh, math
Speaker 1: and food. Get mad. I told I said, let me
Speaker 1: say you if you want to simulate me, I need
Speaker 1: a few more zeros on my check. Okay, that's what
Speaker 1: will stimulate me. I need three more zeros end and
Speaker 1: then I will be simulated. So we have to start
Speaker 1: thinking and we have to start planning. Now, don't take advantage,
Speaker 1: don't get the three months extension, and then go shopping
Speaker 1: online because nobody can really good river anything anyway, be
Speaker 1: smart and then Rashan, you're gonna love this. American Express
Speaker 1: Bank American Express Online. You can go online google it.
Speaker 1: They have a savings account with the one point seven
Speaker 1: five percent interest rate. Now we're we're gonna go to
Speaker 1: the next break. But before we go, you mentioned a
Speaker 1: webinar because I knew nothing about that, So it means
Speaker 1: that you gotta send me a banner so I can
Speaker 1: put that on social media and mention your book one
Speaker 1: more time before we go to the bake break and
Speaker 1: how we can purchase that book. Okay, because I want
Speaker 1: to put that back on our social media as well,
Speaker 1: because it's even more relevant today. Okay. Yes, For the parents,
Speaker 1: it's the Symphony, a guide to creating and balancing low
Speaker 1: school streams of income. And for the kids, it's my
Speaker 1: first job, a kids guide to money and entrepreneurship English
Speaker 1: and Spanish. Cool. Alrighty, we'll be right back with more
Speaker 1: Lynn Richardson. This is money making Conversation. Um Rasha mcdonal,
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Speaker 1: dot Ai. Hi. This ra Sean McDonald. You're listening to
Speaker 1: Money Making Conversation. Thank you for listening to the show today.
Speaker 1: Always a show that provides information that it's easy. A
Speaker 1: lot of people listen to my show. They said something like,
Speaker 1: you're just talking to your friends every shot. Basically I am.
Speaker 1: But also I made a lot of new friends and
Speaker 1: my job is to bring them on the show. There
Speaker 1: are no ambush questions. These questions I asked them about
Speaker 1: things that I need to know, and I learned a
Speaker 1: lot on my show. Because that's the one thing about it.
Speaker 1: I always tell people I wake up dumb every day.
Speaker 1: But people laugh when I say that. But I think
Speaker 1: you have to be accepting the new information. If you
Speaker 1: if you think you know it all, or you walk off.
Speaker 1: Then you walk with an attitude that can nobody tell
Speaker 1: you something because you already know it. Then you are
Speaker 1: making a mistake on how to be successful. You're making
Speaker 1: a mistake on how to accept new information. And so
Speaker 1: when I created money making conversation, I am the dumbest
Speaker 1: guy when I turn on the mic and say hello,
Speaker 1: because I am accepting all this god giving information that
Speaker 1: people have and I'm being blessed to receive it, and
Speaker 1: I want you to be received by it as well
Speaker 1: and be a person who takes it all in just
Speaker 1: like me. N You know, I had to get on
Speaker 1: a right that land because a lot of people, you know,
Speaker 1: they always see you. They see an evil to a tone.
Speaker 1: They see a different message than what I'm trying to
Speaker 1: deliver or what other people try to deliver when we
Speaker 1: try to reach out to help. And it really confuses
Speaker 1: me because a lot of people spend more time blocking
Speaker 1: than receiving. Isn't that correct? Let me tell you this
Speaker 1: is a time to be open. This is a time
Speaker 1: to be open to change. No blockers, no namesayers, no haters,
Speaker 1: no crap l ral pullers. You know that they're just
Speaker 1: out there. If anybody is holding you back pushing you down.
Speaker 1: You need to kind of just push that to the side.
Speaker 1: Don't even give it any energy. Don't get angry, don't
Speaker 1: get upset. You know, I talked about the five f
Speaker 1: that will keep everybody broke Rashaan. The first F is feeling,
Speaker 1: when feelings get involved bad decisions followed, Uh, then you
Speaker 1: got Then you've got families, and you love your family,
Speaker 1: but sometimes you do things out of guilt that you're
Speaker 1: not supposed to do with your family. And then your friends,
Speaker 1: you're still hanging around the same friends that you played
Speaker 1: with when you were five years old, and and and
Speaker 1: they're not moving in the same direction. Doesn't mean you're
Speaker 1: in the friendship. But if you have nine broke friends,
Speaker 1: you're gonna be number ten, So you need a new network.
Speaker 1: And then the next is food. Uh, we're spending a
Speaker 1: third of our check. A lot of people are sending
Speaker 1: me their budgets and they're sending a third of their
Speaker 1: take on pain on food. And that's fact, so it's
Speaker 1: a problem there too. And then the finals is fun.
Speaker 1: I say, when you are broke, if you're trying to rebuild,
Speaker 1: you shouldn't be having any fun now. You should have Keith,
Speaker 1: but fun if you're kicking it every weekend and this
Speaker 1: that the other. So when you talk about being blocked,
Speaker 1: many times people say the enemy, but it really is
Speaker 1: the enner me. We need to unblock ourselves and open
Speaker 1: ourselves up to change and the things that are going
Speaker 1: to really get us for the next level. Well, you know,
Speaker 1: it's really amazing when I'm looking through your notes, said, uh,
Speaker 1: they say they always send me talking points and it's
Speaker 1: just a section called cut back because you've always talked
Speaker 1: about cut back on all your extras, like you mentioned earlier.
Speaker 1: You know, know your Netflix bills and know what you
Speaker 1: how you're spending the money in restaurants. I think the
Speaker 1: biggest thing is and it's hurting restaurants right now. But
Speaker 1: we're gonna get back to eating a lot at home
Speaker 1: now because of the fact that we have become such
Speaker 1: a I want to say, like a portable or mobile society.
Speaker 1: You know, we didn't have time to cook for ourselves.
Speaker 1: We don't have time to take care of ourselves, we
Speaker 1: don't have time to read the I don't know what
Speaker 1: I'm saying. Going out and you're eating all the wrong food,
Speaker 1: but you're all eating some food you shouldn't be eating
Speaker 1: because I made me a smoothie yesterday. We all have
Speaker 1: the watermelon in there here, bananas in there, and the
Speaker 1: coconuts ill mean pineapples in there. You know I would
Speaker 1: have made a smoothie and the other circumstances and that
Speaker 1: that smoothie was good. I just I froze all my fruits,
Speaker 1: so I didn't put so the ice was there. Put
Speaker 1: some put some o juice in there, and put some
Speaker 1: apple juice in there. It just changed the way I
Speaker 1: think and where I am dealing with my life. I'm
Speaker 1: making making their own breakfast. I'm not recommend this for everybody,
Speaker 1: but I'm just telling everybody that when you make your
Speaker 1: own food, you do spend less money. That's right, you
Speaker 1: spend lesslie. Let me tell you yesterday was Sunday. I
Speaker 1: was so hungry. I wanted something that I knew was
Speaker 1: satisfied me. I ate a peanut butter and jelly. The
Speaker 1: girl they're a girl to go. You stopped laying. You're
Speaker 1: about to get me into a Bloni sandwich. I am
Speaker 1: lonely sandwich now fried, but loney in my road? Are
Speaker 1: you in my road? Because I told the people, I
Speaker 1: said I said, the pandemic diet is this Bolognian seas
Speaker 1: not peanut butter and jelly, a gray old cheese. If
Speaker 1: you want to elevate his experience, and with all no
Speaker 1: films a bowler cyria, girl something, I have me eating
Speaker 1: cheerios right raising brain because you know I'm a little older.
Speaker 1: I gotta have a little movement. You gotta have a
Speaker 1: little movement, gotta have my brain, gotta have my brand.
Speaker 1: So I girl, you this peanut butter. I'm so mad
Speaker 1: at you because you have beat me to the peanut
Speaker 1: butter and jelly sandwich. I have not had a peanut
Speaker 1: butter and jelly sanding. I had had me a fried
Speaker 1: uh lonely sandwich, had that christ iceberg lettis a big
Speaker 1: old yellow, bigger red tomatoes. Put me that man on
Speaker 1: toast me to slices of white bread. Let me tell you,
Speaker 1: yeah and let me and I'm gonna hit you up
Speaker 1: back head with this one. My peanut butter and jelly,
Speaker 1: I had wonder bread. I had one grade. Yes, yes,
Speaker 1: yes I did. But that's family. That's family. It's amazing,
Speaker 1: you know, because I know I know my upgrade. I
Speaker 1: came from fifth Ward, which is an inner city, and
Speaker 1: my parents upgraded a little bit, moved to it, like
Speaker 1: a bigger version of the inner city. You know, because
Speaker 1: I walked out the doors doors, same black people walking
Speaker 1: around that I looked at when I moved from. So
Speaker 1: I didn't I didn't see the upgrade. But they said
Speaker 1: we were living better. And the thing about it is that,
Speaker 1: you know, Sam croquetts, hot water, corn bread, peanut butter
Speaker 1: and jelly, sandwich, spam, you know, tuna, fish sandwich, all
Speaker 1: that stuff that I walked away from, I found it
Speaker 1: and I'm happy. I'm happy. That's right, that's right. I
Speaker 1: made a big I made a nice big boat bob
Speaker 1: tuna last night. Um to the And then of course
Speaker 1: we have all this stuff to keep. Build up your
Speaker 1: munt That's very important, though, Start a home based business.
Speaker 1: Spend less money, build your munees to some daily breathe
Speaker 1: in some steam. Breathing steam. Just boil a powt of
Speaker 1: water and he put some lemons or orange peel in
Speaker 1: it and breathe it in. Hold your breath and then
Speaker 1: that forces uh. Any virus that may have entered your
Speaker 1: nona or your throat, it kills it because the heat
Speaker 1: it can't stand the heat. So bring that in. Drink
Speaker 1: your warm liquids, your warm teeth, and then get busy.
Speaker 1: Wake up every day, get ready, go like you're going
Speaker 1: to work every single day. Go sit in your space,
Speaker 1: in your in your apartment or your home or wherever
Speaker 1: it is, and get this is this is this is
Speaker 1: a season. We got locals our businesses this month. Awesome.
Speaker 1: Here's let's talk about thinking ahead, because it's really interested
Speaker 1: in my life. I always tell people, uh, ninny days
Speaker 1: is my minimum thought process, but are usually six months
Speaker 1: to a year in my planning all the time. And
Speaker 1: you know, this year starting to you know, like you said,
Speaker 1: you know, you start planning, you know, the the new
Speaker 1: year in the third fourth quarter of the previous year,
Speaker 1: you know, And a lot of people don't do that.
Speaker 1: If it's twenty in the team, that the fourth quarter
Speaker 1: when you're playing, and you don't just get to January
Speaker 1: and started saying what I'm gonna do, or you have
Speaker 1: to plan your taxes, your finances, how you're gonna how
Speaker 1: much money you're gonna leave in the bank for the governor,
Speaker 1: the government overtaxs you or attacks you too much because
Speaker 1: you left too much money in your bank, and you
Speaker 1: should have paid somebody out or paid an expense, or
Speaker 1: played an employee and paid our bonuses, and you letter
Speaker 1: roll over all those thought processes. But it's really amazing
Speaker 1: how when you think ahead you can prepare for so
Speaker 1: many things that you don't see. And that's called preparing
Speaker 1: for the for the unknown. And that's what proper planning is.
Speaker 1: And that's why I really like when you were talking
Speaker 1: about your apply for unemployer, man, don't wait around. If
Speaker 1: you're an employed, go apply. Yeah, absolutely, yeah, don't don't
Speaker 1: wait around. This is the time and what you're what
Speaker 1: you're talking about right now for planning, we have to
Speaker 1: plan now for sixty to ninety days from now, not
Speaker 1: knowing what's going to happen. You know, people will get
Speaker 1: in an up war because our the president said everybody
Speaker 1: would be back to normal by Easter, and folks who
Speaker 1: like easter, I say, yes, he means easter, because he
Speaker 1: cannot be talking about the one that things about. You're
Speaker 1: talking about one, but in we don't know what's gonna happen.
Speaker 1: So now is the time to plan for whatever until
Speaker 1: attempt to be ready. So so I loved your advice. Well, yeah,
Speaker 1: and this is just advice that I live. And that's
Speaker 1: what I try to do when I bring an individual
Speaker 1: on the show, what your Skills saying, you're given advice,
Speaker 1: liver boy advice. One thing I've never doubted when I've
Speaker 1: talked to you, Land, is that the advice that you're
Speaker 1: giving is like they said, over somebody's head, over over
Speaker 1: their abilities to achieve. Because you know what you said,
Speaker 1: apply for unemployment, Medicaid, food stamps, public assistance. Okay, you're
Speaker 1: talking about it. Let me tell you do what you
Speaker 1: have to do. When when this happened in two thousand
Speaker 1: and eight, that's exactly what I did. I had I
Speaker 1: had left my corporate position. I'd gone out, stepped out
Speaker 1: on faith. I'd had this opportunity with Russell Simmons running
Speaker 1: one of his big programs and the economy crash, our
Speaker 1: sponsors pulled out. I kept working. I can't I cares
Speaker 1: pulled out. I kept working, and then I said, you
Speaker 1: know what, I'm gonna go down here and get some
Speaker 1: food stamps. I've put millions of dollars into the system,
Speaker 1: Go get my nine hundred out a month them. Because
Speaker 1: minimally I knew that my family could eat. And as
Speaker 1: long as I had a roof over my head and
Speaker 1: we could eat and we had our utilities, then I
Speaker 1: was able to create. So I didn't care about shame
Speaker 1: and and understand. I went to the food stamp office
Speaker 1: and I was like a local celebrity in Chicago. I
Speaker 1: was a radio show host. People knew me. I did
Speaker 1: not care. I was right on in the food stamp office,
Speaker 1: said how do people got my food stamp? So we
Speaker 1: have to do whatever we have to do. No shame
Speaker 1: to round yourself with with people who are moving in
Speaker 1: the same direction. Grind. You know, I posted something else,
Speaker 1: and this is a sensitive matter to a degree, but
Speaker 1: I said, people have to read. You're gonna have to read.
Speaker 1: You know, we're helping people. And then the the exact
Speaker 1: thing that in the message that's read in big and bold,
Speaker 1: you're responding back with an attitude saying, you know, you
Speaker 1: think somebody's trying to teach you, it's right here and read.
Speaker 1: You have to read. So if you can't read, now
Speaker 1: it's the time to learn how to read. So this
Speaker 1: is just an opportunity to hit the reset button for
Speaker 1: all of us, me included. It was really important to
Speaker 1: hear that. I remember when the interest rate was dropped.
Speaker 1: You know, I immediately called my friends. I said, look,
Speaker 1: please look at that interest rate. If you have a
Speaker 1: home mortgage, look at refinancing. You have to realize, like
Speaker 1: I said, there are opportunities out here. You know, if
Speaker 1: you if you can get a credit line, get your
Speaker 1: credit line now, because the interest rate is Yeah, this
Speaker 1: is what you're talking about in planning. You can sit
Speaker 1: around and complain. But if you're if you're if your
Speaker 1: credit line scores high, take advantage of that. If you
Speaker 1: have an equity in your home, take advantage of that.
Speaker 1: Get a low end credit line loan. You know that
Speaker 1: you can call on in the emergency, because, like I said,
Speaker 1: they said thirty days. They said April. You know, the
Speaker 1: the the federal guidelines are going to be pushed to
Speaker 1: the end of April. We don't know that that's right.
Speaker 1: You're just saying that. That's the same man came out
Speaker 1: and said, hey, Eastern the churches will be packed. Okay,
Speaker 1: he said this. So we cannot sit around saying, oh,
Speaker 1: that's that's going to be what we're going to do,
Speaker 1: because it's not true at all. So we have to
Speaker 1: become aggressive. We have to become the planners, and that
Speaker 1: is what you preach. That is what you teach on
Speaker 1: the regular basist. Lynn Richardson, tell us again about that
Speaker 1: the webinar that you do on a daily basis, and
Speaker 1: also that incredible book that I gotta, I gotta, I gotta,
Speaker 1: I gotta promote it again, especially during this period. So
Speaker 1: I need that banner for that book. And also I
Speaker 1: need to be able to drive people to your webinars. Okay, yeah,
Speaker 1: and we're gonna get you a copy of the book.
Speaker 1: And you didn't know about it because I just created
Speaker 1: this Friday. I've been working on it and uh, someone
Speaker 1: reached out to me and and and there were really
Speaker 1: there were literally thousands of people that I realized we're
Speaker 1: in a situation with children at home, and it said,
Speaker 1: oh wait, you turn this into a home based business.
Speaker 1: Get the kids involved. So I pulled together my resources,
Speaker 1: I got my team, the trademark, all of that stuff.
Speaker 1: We rolled it out and so when folks woke up
Speaker 1: on Friday, they said little bits and you are crazy,
Speaker 1: but it's a kid, It's my first job. The kids
Speaker 1: gude to money in entrepreneurship, and the parent can collaborate
Speaker 1: with us by hiring the child to work in their
Speaker 1: home based distance. And for the parents, it's the symphony
Speaker 1: a guide to creating embalancing multiple streams of income. And
Speaker 1: this is gonna force us as a community to sit down,
Speaker 1: have conversations and rather than your kids running around the
Speaker 1: house all day with no direction. You know, I see
Speaker 1: people suspending their children on social media. One lady said
Speaker 1: that she got fired for drinking on the job and
Speaker 1: that she she was talking about herself from her old
Speaker 1: old school. She got got fire from my own home school.
Speaker 1: But it doesn't have to be disorder. We can find order.
Speaker 1: And let me tell you something. My youngest daughter is
Speaker 1: a team. She's a freshman at Howard in adversity, she's
Speaker 1: been working for me since she was six six. She's
Speaker 1: been working and she entered college with seven hundred credit scores.
Speaker 1: She she's a wide spender, she's got money in the bank.
Speaker 1: She understands business, and so do her sister's my my
Speaker 1: old in the sophomore and my oldest is a senior
Speaker 1: at Northwestern. So this is something that can be taught. Now,
Speaker 1: I made all the mistakes. I didn't get what they had.
Speaker 1: I was the opposite. But now that I'm in a
Speaker 1: position to know, I want to help other people know
Speaker 1: how to not only change their situation, but to start
Speaker 1: their children off with a winning strategy. Awesome, She's all
Speaker 1: the time. She's She's my favorite. She called me to
Speaker 1: Rashaun could I could I be on your show? I said, Hey,
Speaker 1: you need to stop making that phone call because you're
Speaker 1: a regular LeAnn Richsdond. She's wonderful. You'll be seeing her
Speaker 1: book posted on my social media. You'll be seeing her
Speaker 1: whether or not I posted on my social media, both
Speaker 1: Money Making Conversation and my personal at Rashawn McDonald again
Speaker 1: you're listening to. If you want to hear any more
Speaker 1: episodes of Money May In Conversation, just go to Money
Speaker 1: Making Conversation dot com. I'm Roshan McDonald. I'm your host.
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