Earn Your Leisure

In this insightful Market Mondays clip, Rashad Bilal and Troy Millings take you on a powerful journey across Africa as they reflect on their recent travels to Rwanda and Kenya. From attending the NBA Africa League to meeting with influential dignitaries, entrepreneurs, and local citizens, they share firsthand experiences and lessons from the heart of these dynamic countries. Discover what makes Rwanda one of the cleanest and safest nations on the continent, boasting remarkable infrastructure, efficient governance, and a welcoming environment for investors and expats alike. Hear about Rwanda’s commitment to sustainability—banning plastic bags and introducing strong environmental policies—and learn how the government works hand-in-hand with private sectors and everyday citizens to drive progress. Get inspired as Rashad and Troy recount conversations with local entrepreneurs who urge the diaspora to “trade chains for land” and see Africa as a place teeming with investment potential, community, and prosperity. They also highlight Fatima, an innovative entrepreneur shaping Kigali’s real estate scene, and reveal how young, brilliant minds are addressing the continent’s most pressing needs—like the development of tech hubs creating infrastructure for gig workers. The conversation moves beyond economic opportunities as Rashad and Troy discuss the cultural richness, safety, and clean living that Rwanda offers. They also touch on the experiences of American expats who have chosen Africa for its unparalleled opportunities, friendly communities, and peaceful lifestyles. Whether you’re curious about African real estate, investment prospects, tech innovation, or lifestyle, this clip offers a rare, on-the-ground perspective from two financial educators and entrepreneurs with global ambitions. Don’t miss out on these invaluable insights on how and why you should consider Africa for your next venture or home. 🔔 If you want actionable tips, real stories, and a deeper connection to the global economy, make sure you subscribe and turn on notifications! *Hashtags:* #MarketMondays #AfricaInvestment #Rwanda #Kenya #Entrepreneurship #Diaspora #RealEstate #TechInnovation #CleanEnergy #FinancialFreedom #BusinessTravel #GlobalBusiness #NBAAfrica #EconomicDevelopment #ExpatsInAfrica Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 29 May 2025

Welcome back to another enlightening episode of EYL! In today's session, we dive deep into the intricate world of trademarks and copyrights with none other than Rosezena Pierce, affectionately known as "The Biz Lawyer." Rosezena sits down with hosts Rashad Bilal and Troy Millings to unravel the mysteries surrounding the differences between trademarks and copyrights, and their importance to entrepreneurs and business owners alike. *Key Highlights:* 1. *Difference Between Trademark and Copyright (0:00:00 - 0:02:05):* Rosezena distinguishes between trademarks and copyrights succinctly; while copyrights protect creative expressions fixed in tangible mediums, trademarks serve as source identifiers that consumers can trace back to specific providers of goods or services. 2. *Ownership of Creative Works (0:02:05 - 0:02:44):* A significant revelation for many entrepreneurs—hiring someone to create a logo or artwork does not inherently transfer the ownership of the copyright to the hirer. Rosezena explains that a written transfer of rights is necessary, often through a work for hire agreement. 3. *Increasing the Value of a Trademark (0:02:44 - 0:04:02):* Rosezena emphasizes that the quality of products and services is paramount in enhancing a trademark's value. She provides relatable brand examples, highlighting how strong branding can influence consumer perception and loyalty. 4. *Process and Timeline for Trademark Registration (0:04:02 - 0:06:58):* Troy prompts Rosezena to discuss the detailed process and timeline involved in trademark registration, from performing thorough searches and issuing opinion letters to navigating the extended government review timeline post-COVID. She explains the concept of "publication for opposition" and the potential challenges one might face during the application process. *Why EYL Medium:* Here at EYL, we're committed to offering you the knowledge and tools to elevate your business and entrepreneurial pursuits. Whether you're just starting out or looking to refine your strategies, our expert guests like Rosezena Pierce provide invaluable insights that can help you navigate the complex business landscape. *Be Sure To:* *Like, Comment, and Subscribe:* Hit the like button if you found this episode helpful. Leave your questions and thoughts in the comments section; we love hearing from you! Make sure to subscribe and click the notification bell so you never miss an update. *Check Out Our Other Episodes:* Explore more episodes where we bring in experts from various fields to share their knowledge and experiences. *Special Thanks:*A huge thank you to Rosezena Pierce for sharing her expertise and providing clarity on such a vital topic. Follow her on Instagram (@TheBizLawyer) and check out her website for more information on her services. *Stay Tuned:*We have more exciting content lined up, including interviews with industry leaders, exclusive webinars, and much more. *Support Our Work:*If you'd like to support our channel and help us continue to produce quality content, consider becoming a Patreon member. Your support means the world to us and enables us to keep bringing you invaluable insights and information. Thank you for watching, and as always, keep striving for excellence and always "Earn Your Leisure." *Hashtags:*#EYL #Trademarks #Copyrights #BusinessLaw #Entrepreneurship #RosezenaPierce #TheBizLawyer #EarnYourLeisure #BrandProtection #LegalAdvice #IntellectualProperty Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 26 May 2025

In this insightful clip from Market Mondays, Rashad Bilal and Troy Millings dive deep into the financial playbook for college athletes navigating the new world of NIL (Name, Image, and Likeness) deals. Discover the real stories behind multi-million dollar agreements, the impact of high-profile transfers like Captain Jack, and learn why some student athletes are out-earning everyone on campus except high-profile coaches! Rashad and Troy break down the best strategies for young athletes and their families to protect and grow their money, including: The importance of long-term investing: Find out why splitting money between index funds, big tech stocks like Microsoft, and even Bitcoin could potentially turn a $1 million NIL deal into $8 million in under a decade.Avoiding financial pitfalls: Learn why expensive cars and “entourage” expenses are the fast track to going broke — and how street agents and advisors can eat away at your earnings with hidden percentages.The power of deferred income annuities (DIA): Get the blueprint used by legends like Allen Iverson and MLB’s Bobby Bonilla to guarantee lifetime income (even if playing careers or other opportunities don’t pan out).Why negotiating fee structures matters—discover why putting business managers on salary (instead of giving away percentages) is the millionaire’s secret to keeping more of what you earn.Real-life lessons from sports icons: Understand how financial missteps and a lack of planning have derailed the wealth of top athletes and entertainers, and how a smart approach to NIL can set you up for life, even if you never go pro. PLUS: The clip offers timely financial warnings, big picture insights about international economic risks, and practical advice for any young star (or their parents) working with agents, managers, or business partners. Whether you’re an athlete, a parent, or simply interested in how generational wealth is REALLY built, this clip drops a million dollars’ worth of game and actionable tips you can use now. *Don’t forget to like, comment, and subscribe for more financial wisdom from Market Mondays!* #NIL #FinancialLiteracy #CollegeAthletes #GenerationalWealth #Investing #MarketMondays #SportsBusiness #PersonalFinance #AthleteWealth #MoneyMatters #DeferredAnnuity #FinancialAdvice #Basketball #AllenIverson #BobbyBonilla #WealthBuilding #Castmagic Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 24 May 2025

In this powerful episode of Earn Your Leisure, we sit down with Math Hoffa, Ray Daniels, and Obi Omile to break down the intersection of culture, business, and creativity. They dive into how they came together to launch the Off The Top freestyle competition, how mixtapes reshaped freestyle culture, and what it takes to grade lyrical talent. Obi shares how he built and raised money for theCut—his revolutionary barber booking app—and the deeper role the barbershop plays in the Black community. We also unpack the mindset behind building businesses, why collaboration takes discipline, and the harsh truths about podcasting and monetization. From Ray’s Mount Rushmore of Atlanta rappers to the debate on new superstars in the music industry—this one is full of gems. Link to Invest Fest: https://investfest.com #EarnYourLeisure #MathHoffa #RayDaniels #ObiOmile #OffTheTop #FreestyleRap #theCut #BarbershopCulture #BlackEntrepreneurs #Podcasting #HipHopBusiness #MusicIndustry #FinancialLiteracy #EYL Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 22 May 2025

In this insightful clip, Ian Dunlap and Rashad Bilal dive deep into some of the biggest topics shaking up the crypto world this year. With Coinbase’s recent addition to the S&P 500, the conversation explores what this monumental move means for crypto legitimacy, bitcoin’s dominance, and investor options in this rapidly evolving space. The discussion covers: *Coinbase Joins the S&P 500:* What does it signal for cryptocurrency mainstream acceptance? Is this a sign that digital assets are here to stay, or just another speculative bubble?*Security Concerns:* Recent security breaches, SIM swap scams, and the rising wave of crypto theft. Hear real stories—including Rashad’s personal account—about hacks, risks, and what investors can do to protect themselves.*Investment Strategies:* Should you buy Bitcoin, Bitcoin ETFs like IBIT, or stocks such as Coinbase or MicroStrategy? The hosts break down the differences, the potential volatility, and ways to gain exposure to the upside without holding crypto directly.*Importance of Security in Crypto:* With over $2.2 billion stolen in 2024 alone, security is a major challenge. Learn about the pros and cons of hot wallets, cold wallets, insurance (or lack thereof), and the future of crypto custodianship.*Key Players & Solutions:* As the crypto landscape expands, which security companies might lead the way in protecting digital assets? Discussion includes cybersecurity firms and the need for more robust industry solutions as crypto matures. Whether you’re a seasoned crypto investor, new to the world of digital currencies, or just looking for practical financial advice—this clip offers actionable insights and honest commentary from two of the industry’s sharpest voices. *Stay informed, stay protected, and make smart investment choices as the world of crypto continues to change.* *Timestamps:* 00:00 - Coinbase in the S&P 500: What it Means 02:20 - Security Breaches & Leadership Response 05:10 - Bitcoin, ETFs, & Investing Without Holding Crypto 10:15 - Real-Life Hack Stories & SIM Swap Scams 12:00 - Security Solutions & the Future of Crypto Safety --- *Hashtags:* #Coinbase #CryptoSecurity #Bitcoin #S&P500 #Investing #CryptoNews #Ethereum #SIMSwap #IBIT #MicroStrategy #Finance #DigitalAssets #WealthBuilding Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 21 May 2025

In this insightful clip, Lex P and Drea Nicole of the Pour Minds podcast join Rashad Bilal and Troy Millings from Earn Your Leisure to break down exactly how successful podcasters make money. If you’ve ever wondered how top podcasts generate multiple streams of income, this conversation is a must-watch. Lex and Drea get real about the many ways Pour Minds has built revenue—from ad deals, YouTube streams, and Patreon, to live shows, merchandise, ebooks, online courses, and even unique brand partnerships. They share what types of advertisers approach them, why some brands (surprisingly) DON’T sponsor their content, and how their approach to guest booking shaped a loyal and engaged community—the “Pour Crew.” The discussion dives into:Building multiple income streams as a podcasterThe truth behind ad revenue and sponsorshipsUsing YouTube, Patreon, and social media to get paidMerch sales, ebooks, courses, and hosting events for extra cashTips for building a long-lasting, supportive audienceHow authenticity and engagement pay off in podcastingBehind-the-scenes stories of booking big events and getting their own TV show Whether you’re a podcaster looking to scale up, a content creator searching for inspiration, or a fan of real business talk, this clip is packed with gems and actionable advice. *Don’t forget to subscribe for more insider conversations on podcasting, business, and building your brand!* *Watch. Learn. Earn.* #Podcasting #EarnYourLeisure #PoorMinds #Monetization #ContentCreation #PodcastTips #YouTubeCreators #SideHustle #AdRevenue #BrandDeals #CreatorEconomy #Entrepreneurship #CommunityBuilding Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 19 May 2025

In this enlightening clip, join Rashad Bilal, Troy Millings, and Ian Dunlap as they break down Warren Buffett’s investment preferences and debate the classic question: stocks or real estate? The trio dives into public records showing Buffett famously owns just one home and prefers the stock market for its simplicity and liquidity. But is there more to the story? Ian highlights the distinction between public statements and private wealth strategies, suggesting even more diversified holdings through trusts and partnerships. The conversation then pivots to how elite investors and institutions like BlackRock diversify beyond a single asset class. The consensus? Don’t put all your eggs in one basket. Today’s smart investor should consider stocks, real estate, businesses, crypto, and more to seize opportunities as markets evolve. The hosts also speculate on how Berkshire Hathaway’s next chapter might unfold, especially around Bitcoin. With Buffett’s retirement and a cautious successor at the helm, could Berkshire increase its crypto exposure? Troy outlines Berkshire’s current “Bitcoin-adjacent” moves via holdings in digital banks and ETF-exposed financial groups. Ian suggests that even a small allocation to Bitcoin at strategic price points could move the needle for the legendary investment firm. Should investors stick to one asset they understand best, or is diversification indispensable in today’s world? The group shares actionable advice for building wealth: invest in yourself first, but don’t shy away from expanding your portfolio. They also talk about the power of belief in your investments, touching on why conviction matters as much as timing. Tune in for real-world insights, practical homework assignments, and a preview of the perspectives you can expect at major investment gatherings like Invest Fest. *Key topics in this clip:*Warren Buffett’s real estate vs. stocks approach The importance of asset diversification for investors Berkshire Hathaway’s indirect exposure to Bitcoin The next chapter for Buffett’s investing legacy Mindset and strategy tips for 2024 investors If you’re looking to level up your investing strategy with expert insights and practical tips, this clip is for you. Don’t forget to like, comment, and subscribe for more breakdowns and exclusive interviews! *Hashtags:* #WarrenBuffett #Investing #StocksVsRealEstate #Bitcoin #BerkshireHathaway #InvestmentStrategy #Crypto #AssetDiversification #FinancialEducation #RashadBilal #TroyMillings #IanDunlap #WealthBuilding #InvestFest Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 17 May 2025

We sat down with Lex and Drea from Pour Minds to talk about their brand new travel show Travel Queens on BET. In this powerful and entertaining conversation, they break down how they negotiated their TV deal, built a thriving community, and continue to inspire Black women to explore the world fearlessly. They also share their top travel destinations, favorite food cities, and the importance of highlighting Black experiences through global storytelling. From Brazil to the best soul food cities in America, this episode is a must-watch for anyone passionate about travel, culture, and representation. #PourMinds #TravelQueens #BET #BlackTravelMovement #FoodieCulture #EarnYourLeisure #BlackWomenTravel #TravelShow #BlackExcellence #PodcastInterview #LexAndDrea #CulturalTravel #Top5Cities #InternationalFood Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 15 May 2025

In this insightful clip, Troy Millings, Ian Dunlap, and Rashad Bilal unpack the latest developments on U.S. tariffs against China, including the newly announced 90-day pause and drastic rate changes. The hosts break down how tariffs were originally raised up to 145%, only to be quickly slashed to 10% for most products—with further specifics on items related to fentanyl. They dive deep into what this rapid shift signals for global markets, American businesses, and the broader economy. Listen in as they discuss:The real-life impacts on business owners who struggled with delayed shipments and skyrocketing feesWhy the 90-day pause creates both relief and lingering uncertaintyThe political strategies (and missteps) behind tariff negotiationsIf these moves actually benefit the U.S. or just add more volatility to the marketWhat to watch for as the next 90 days unfold and final deals are negotiated Whether you're an investor, entrepreneur, or just want to understand the latest market news, this clip gives you practical insights without the jargon. *#ChinaTariffs #USChinaTrade #MarketInsights #EconomyTalk #StockMarketNews #BusinessImpact #TradeWar #PodcastClip #EYL #GlobalEconomy* Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 13 May 2025

In this insightful clip from Money Moves, hosts Rashad Bilal, Troy Millings, and Ian Dunlap break down why living below your means is the ultimate wealth strategy—and why modesty might be your greatest financial asset. They discuss money traps that can derail your financial progress, the true cost of home ownership, and why that flashy car or expensive watch may not be worth the investment. Rashad revisits the importance of financial organization and planning for your family’s future, urging us all to consider what would happen if the unexpected occurred. The trio doesn’t hold back as they share personal stories, from passing up on luxury cars, to resisting peer pressure to “flex,” and putting family first with smart estate planning. Ian talks about the discipline it takes to maintain a modest lifestyle, even when tempted by the trappings of wealth, and Troy emphasizes building a solid financial legacy over superficial purchases. The hosts also challenge common financial myths—like always buying, not leasing, a car—and share their honest takes on what truly matters for financial security. If you’re looking to build real wealth, avoid costly mistakes, and invest in your future, this clip is packed with practical tips and authentic conversation you won’t want to miss. **Key Takeaways:**- The importance of living BELOW your means and what it actually looks like in practice- Why modesty can be a financial superpower, from homes to cars to jewelry- How resisting societal pressures builds wealth over time- Personal stories about maintaining discipline and ensuring your family’s financial safety- Debunking myths around homeownership, big purchases, and “buying vs leasing”- How to organize your finances and plan ahead with estate strategies If you’re serious about securing your financial future and creating real generational wealth, make sure to watch, like, and subscribe for more practical money advice from the Money Moves crew! **#FinancialFreedom #MoneyMoves #WealthBuilding #LiveBelowYourMeans #RashadBilal #TroyMillings #IanDunlap #FinancialLiteracy #MoneyTips #Investing #GenerationalWealth #ModestLiving #FinancialPlanning #SmartMoney** Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 10 May 2025

In this exclusive Earn Your Leisure interview, G Perico breaks down the real cost of being in the streets, how he went broke spending more than he made, and why independence in music is the key to real wealth. He explains how he keeps 80% of his profits, the importance of building a team, and the strategy behind flooding the market with content. We also dive into the business of touring, avoiding shady promoters, and what he learned from Nipsey Hussle. If you’re an artist, entrepreneur, or just want to own your future—this one’s for you. #GPerico #EarnYourLeisure #IndependentArtist #NipseyHussle #MusicBusiness #StreetToSuccess #ContentIsKing #HipHopGame #Daquan #Ownership #WealthBuilding Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 8 May 2025

In this must-watch clip, Rashad Bilal and Ian Dunlap break down the five mandatory steps everyone should follow to take control of their personal finances and build lasting wealth. Whether you're just starting your financial journey or looking to tighten up your money game, these actionable strategies cover all the essentials: eliminating debt, smart investing, saving for retirement, setting your family up for success, and protecting your legacy. *What You'll Learn:* ✔️ How to crush your debt using the "debt snowball" method ✔️ Picking winning stocks (and sticking with them long-term) ✔️ The importance of automatic, consistent investing ✔️ Why you need both a retirement plan AND additional savings ✔️ How to save for your kids’ future through 529 or UTMA accounts ✔️ Life insurance must-haves for protecting your loved ones ✔️ Smart estate planning so your assets aren’t lost or locked away ✔️ The critical difference between qualified (retirement) and non-qualified (brokerage) accounts ✔️ And so much more! Rashad and Ian don’t just talk theory—they’re giving you step-by-step tips and real talk so you can avoid costly mistakes like lifestyle creep, missing out on compound interest, or leaving your estate unsecured. *Key Takeaways:* 1️⃣ Knock Out Small Debts First — Use the debt snowball to build momentum. 2️⃣ Invest Consistently — Even small amounts grow over time, so pick your stocks, set your amount, and stick with it. 3️⃣ Retirement is Non-Negotiable — Start your 401(k), IRA, or SEP (if self-employed) now. 4️⃣ Plan for Your Family — Open a 529 plan, UTMA, and ensure you have solid life insurance. 5️⃣ Estate Planning — Create a will, consider a trust, and make sure your beneficiaries are up to date so your money and assets go where you want—without headaches for your loved ones. Don't let your hard-earned money slip through the cracks or get caught up in probate! Take control today with these foundational steps. *If you found value in this clip, hit like, subscribe, and drop a "YES" in the comments if these tips help you level up your finance game!* #PersonalFinance #MoneyMoves #WealthBuilding #InvestingTips #FinancialFreedom #SmartInvesting #RetirementPlanning #EstatePlanning #DebtFreeJourney --- Stay tuned for more practical financial wisdom from Rashad Bilal and Ian Dunlap. Ready to secure your financial future? This is the clip you can't afford to miss! Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 7 May 2025

In this insightful clip from EYL, host Troy Millings sits down with Paul Alex, entrepreneur and fintech innovator, to discuss how Paul is disrupting the merchant automation and ATM space. Paul shares his inspiring journey, from his humble beginnings in law enforcement to creating a multi-million dollar business helping others achieve financial freedom. Paul breaks down the foundation of his fintech approach—focusing on ATM businesses and merchant services, and empowering entrepreneurs to leverage cash discount programs. Discover how Paul’s strategies provide both passive and proactive income opportunities, allowing anyone willing to learn to build lasting, residual income. Throughout the conversation, Paul emphasizes the importance of partnership, mentorship, and the “big blue ocean” opportunity for those looking to break into the fintech space. He discusses the future vision of scaling his company from helping small businesses like cafes and bodegas, to potentially servicing massive venues such as sports arenas. Paul also shares real success stories, including clients who transformed their businesses and lives by joining his program. If you’re interested in fintech, automation, and building sustainable income streams, this clip is packed with actionable insights. Paul’s passion for empowering others shines as he outlines the steps to get started, the benefits for both business owners and entrepreneurs, and the long-term vision for growth and impact in the industry. Don’t miss out on this deep dive into the world of merchant services, digital marketing, and the power of networks in building a fintech empire. Whether you’re seeking financial freedom or new business opportunities, this conversation could be your first step towards success. *Hashtags:* #Fintech #Entrepreneurship #MerchantAutomation #DigitalMarketing #PassiveIncome #BusinessGrowth #FinancialFreedom #EYL #PaulAlex #ATMBusiness #Mentorship #CashDiscountProgram #Networking #Innovation #SmallBusiness Success Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 5 May 2025

In this insightful clip from Market Mondays, Ian Dunlap and Rashad Bilal break down the top four lessons investors can learn from Warren Buffett’s continued dominance in the market. Whether you’re a seasoned trader or just starting your investment journey, these key takeaways from the Oracle of Omaha's playbook—including sticking to your plan, building a resilient portfolio, making data-driven decisions, and trimming profits at the right time—are essential for long-term success. Rashad shares why it’s critical to stay the course and block out market noise, especially during tumultuous conditions. The pair also discusses Buffett’s discipline in taking profits at all-time highs, referencing his smart moves with Apple stock, and how maintaining a “destruction-free” portfolio is key to weathering any market environment. Beyond stock market wisdom, the conversation shifts to the evolving world of NFTs and gaming. With major brands like Pokemon reportedly exploring crypto-backed NFTs on platforms like Solana, Ian and Rashad debate what it would take for blockchain and NFT integration to truly go mainstream in gaming. They share thoughts on the potential impact if industry giants like Call of Duty or Grand Theft Auto (GTA 6) launch their own NFT ecosystems and what this could mean for gamers, investors, and the future of the metaverse. Highlights from this clip: Why emotional investing is a pitfall and how data-driven strategies can help you stay ahead How to take profit confidently, just like Warren Buffett, before the next market pullback The real potential (and current limitations) of NFTs in gaming, with a spotlight on the upcoming GTA 6 and classic favorites like Pokemon Insights into in-game economies and the rising value of digital assets If you’re ready to level up your investment approach and get a fresh perspective on where web3 and gaming might be headed next, don’t miss this clip. Drop your thoughts in the comments—do you think NFTs will take over the gaming world? Are you adopting any Buffett-inspired principles in your portfolio? *Hashtags:* #Investing #WarrenBuffett #NFT #Gaming #GTA6 #StockMarket #Crypto #Portfolio #MarketMoves #CallofDuty #Web3 #Finance #Solana #DigitalAssets #AppleStock Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 3 May 2025

In this insightful clip, Troy Millings and Ian Dunlap dive deep into building a strong portfolio centered on the healthcare sector! Whether you’re an experienced investor or just starting out, they break down the tried-and-true strategies to help you navigate an ever-changing market. The conversation kicks off with Ian sharing his take on focusing your investments, urging listeners to stick with what works rather than chasing the latest trend. He discusses his go-to picks for a healthcare-focused “two tech, two index” strategy: VO, VTI, Eli Lilly, and Stryker—plus why consistency often outperforms novelty when it comes to portfolio growth. Troy brings his own expertise to the table, highlighting some of his favorite healthcare ETFs like Vanguard’s VHT and the SPDR’s XLV. He walks you through the importance of understanding ETF holdings, emphasizing why Eli Lilly and UnitedHealth are usually at the top—and what recent market turbulence means for these giants. But it doesn’t stop there. Troy introduces “wild cards” for those looking to think outside the box, featuring CVS and its vertically integrated healthcare model, as well as Amazon’s surprising potential in the health space. The two hosts explore how the integration of AI, telehealth, and cloud services could help companies like Amazon disrupt traditional healthcare and even become a top holding in major healthcare ETFs in the future. The clip wraps up with a candid discussion about what makes a company “generational,” touching on Amazon’s history of innovation, the power of major tech players, and why infrastructure and cloud computing play such a huge role in shaping the future of healthcare. Highlights include:Practical advice on building a healthcare-focused investment portfolioWhy stability often beats chasing trends in investingDeep dives into healthcare ETFs VHT and XLV, plus their major holdingsThe role of CVS and Amazon in the evolving healthcare landscapeHow AI and cloud technology are disrupting traditional modelsReal-world examples and anecdotes from Troy and Ian’s financial journeys Whether you want to refine your stock strategy or gain new perspectives on the intersection of tech and healthcare, this clip is packed with actionable insights to help you stay ahead. *Watch now and let us know your favorite healthcare stock or ETF in the comments! Don’t forget to like and subscribe for more expert investing tips.* #Investing #HealthcareStocks #ETFs #FinancialFreedom #StockMarket #WealthBuilding #AIinHealthcare #CVS #Amazon #VHT #XLV #TroyMillings #IanDunlap #MarketMondays #portfoliostrategy Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 1 May 2025

In this insightful clip from MM, Rashad Bilal and Troy Millings sit down with Steve Eisman, the legendary investor who famously predicted the 2008 financial crisis and was portrayed in "The Big Short." Eisman shares his expert perspective on the current state of the economy, evaluating whether today’s risks parallel those of 2008 and how concerned investors should be about a potential recession or greater financial calamity. Eisman breaks down the key differences between the dangerous leverage and complex derivatives networks that drove the 2008 crisis and the more robust, regulated landscape today. He explains why he doesn’t see the same level of systemic risk in the global economy, addresses the impacts of trade wars, and discusses the reduced leverage of major banks post-Dodd-Frank. The conversation spans critical topics, including:Could a trade war trigger a recession?Is today’s economic environment as risky as 2008?Why Steve Eisman remains long-term bullish on leading technology stocks like Nvidia and Microsoft, especially in the very early days of AI development.How Eisman is managing personal portfolio risk right now and why he’s keeping a higher cash position.The future of the US dollar as the world’s reserve currency and why “doom and gloom” predictions about its demise might be overblown. If you want a behind-the-scenes look at how one of Wall Street’s sharpest minds assesses today’s market risks and opportunities, this clip is for you. Don’t miss Eisman’s candid advice: focus on long-term value, avoid panic, and be cautious about risk during uncertain global negotiations. Subscribe for more expert insights, financial analysis, and investing strategies from top minds in business and finance! *Hashtags:* #SteveEisman #FinancialCrisis #MarketAnalysis #Investing #Recession #TheBigShort #RashadBilal #TroyMillings #MMMedium #Economy #Finance #StockMarket #AIInvesting #USDollar #TradeWar #PortfolioManagement Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 28 April 2025

We sat down with Paul Alex, the founder of MerchantAutomation.com and a former award-winning detective, to talk about his incredible journey from law enforcement to building multimillion-dollar businesses. In this interview, Paul shares how he made the bold decision to leave a stable career in law enforcement and pursue entrepreneurship full-time. He breaks down how he built his companies from the ground up, helped over 4,000 entrepreneurs generate passive income, and scaled MerchantAutomation.com to $1 million in just 60 days. Paul dives into the power of digital payment systems, automation, and how anyone can create residual income through merchant services. He also shares key lessons on branding, marketing, and building a successful business without outside funding. This episode is full of valuable insights for anyone looking to escape the 9-5, level up their business game, and build wealth through automation. #PaulAlex #MerchantAutomation #EarnYourLeisure #ResidualIncome #Entrepreneurship #PassiveIncome #DigitalBusiness #ATMbusiness #BusinessAutomation #CashSwipe #EYL #WealthBuilding Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 24 April 2025

In this clip, Rashad Bilal, Troy Millings, and Ian Dunlap sit down to break down the current state of AMD and what investors should be considering right now. Are we entering bearish territory for AMD? Is it time to cut your losses—or is there a buying opportunity on the horizon? Ian shares his longtime perspective on AMD as one of his favorite companies, while also explaining why he now sees it slipping off the Mount Rushmore of chip makers. The trio weighs in on where AMD stands in comparison to titans like Nvidia, TSMC, ASML, Broadcom, and Qualcomm. If you've been asking yourself whether to hold, sell, or wait for new lows, you’ll get actionable insights and specific price levels Ian is watching ($53.16 and $25.82), as well as key chart analysis from Troy. The conversation also digs into macroeconomic factors affecting the semiconductor sector—like tariffs, US manufacturing policy, and the ongoing GPU wars. What does "America First" for chips mean for AMD and its competition? Can AMD regain second place in GPUs, or is Nvidia's dominance locked in for the next five years? Rashad puts a spotlight on the dangers of individual stock picking, stressing why index funds and ETFs (like SMH) offer a safer, more defensive play. With AMD down nearly 60%, the risks of concentrating investment in single companies have never been clearer. If you want real talk about investing, industry trends, technical analysis, and why defense in investing is just as important as offense, this clip is for you. *Timestamps:* 0:00 - Is it time to sell AMD? 0:39 - AMD’s competitive position & industry Mount Rushmore 2:13 - Price targets & technical analysis 3:58 - Impact of US chip policy & tariffs 5:00 - Risks of stock picking vs. index funds 7:10 - Final thoughts and defensive investing *Don’t forget to like, comment, and subscribe for more honest conversations on investing, stocks, and financial strategy! If you want us to review another stock, drop your suggestion below.* *Hashtags:* #AMD #Investing #Semiconductors #Stocks #Nvidia #ChipStocks #ETFs #Finance #MarketAnalysis #InvestmentStrategy Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 22 April 2025

In this powerful clip, Morgan DeBaun, CEO and founder of Blavity Inc., joins Troy Millings and Rashad Bilal to break down her journey from early stock market investing at age 13 to building a $40 million media powerhouse. Get the inside scoop on how Morgan navigates the corporate landscape amid rollbacks in DEI (Diversity, Equity, Inclusion) initiatives and shifting political climates. She opens up about how these changes—plus new tariffs—are impacting Black businesses and media revenue, and why multicultural audiences are the real key to growth for big brands. Morgan discusses the value of cash in business, the importance of strategic acquisitions, and the unique spending culture among Black millennials and Gen Z. Find out how she leveraged her resources to acquire three impactful Black-owned brands: Travel Noire, Shadow and Act, and R&B House Party. Learn how each acquisition helped expand Blavity's network—from travel to entertainment to experiences—and set the stage for major events like Blavity Fest. Morgan also shares success frameworks from her new book, "Rewrite Your Rules," offering actionable advice for entrepreneurs, media creators, and nine-to-fivers who want to define success for themselves, break out of old molds, and master both growth and self-development. If you want honest insight on scaling businesses, navigating corporate America, and investing in Black success, this is a must-watch! *Timestamps:* 0:00 The real impact of DEI rollbacks & corporate shifts 2:10 Why tariffs matter more than politics for media revenue 3:40 Media growth & trusted news during chaotic times 4:00 Early investing lessons and the power of cash 5:00 How Morgan acquired Travel Noire, Shadow and Act, and R&B House Party 6:35 The story behind Blavity Fest 7:00 Practical frameworks from “Rewrite Your Rules” *Key Highlights:* The myth vs reality of DEI corporate commitments How volatility creates opportunity for acquisition The intersection of culture, travel, and business Why defining your own success is crucial Advice for entrepreneurs on building generational wealth *Don’t forget to like, comment, and subscribe for more inspiring business conversations!* #MorganDeBaun #Blavity #BlackExcellence #Entrepreneurship #MediaBusiness #Acquisition #BusinessGrowth #BlackOwned #RewriteYourRules #Investing #Tariffs #CorporateAmerica #AfroTech #BusinessPodcast Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 20 April 2025

In this clip, join Rashad Bilal, Troy Millings, and Morgan Debaun as they dive into how artificial intelligence and robotics are rapidly changing the tech industry—especially for Black professionals. Morgan, founder of AfroTech, shares eye-opening perspectives on the growing skills gap, the critical role of innovation, and why embracing new technology is now more vital than ever. The conversation covers:The accelerating pace of AI disruption in tech Challenges and opportunities for Black professionals entering and thriving in the industry How AfroTech connects talent and companies to close labor gaps What the next 2-5 years could mean if communities don’t adapt The importance of risk-taking and continuous learning Whether you’re already in tech or considering making the leap, this clip offers powerful advice on staying ahead of the curve, building relevant skills, and seizing opportunities in a rapidly evolving digital landscape. Don’t forget to like, comment, and subscribe for more insightful discussions! #AfroTech #AI #TechCareers #BlackTech #Innovation #CareerAdvice #FutureOfWork #MorganDeBaun #RashadBilal #TroyMillings #ArtificialIntelligence Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 17 April 2025

In this insightful clip, Rashad Bilal, Troy Millings, and Ian Dunlap discuss the recent changes in Trump's tariff policies and their impact on the market. We dive into the erratic behavior surrounding the exemptions for smartphones and computer chips, which were welcomed by the tech sector, only to be followed by a special tariff on semiconductors. This inconsistency creates a choppy market, leaving investors on edge. The hosts explore why these sudden shifts are taking place, with Rashad noting the chaotic environment in which decisions seem to be made on the fly, drawing a parallel to Peyton Manning's game-time audibles. Troy expands on the challenges businesses face with such abrupt changes, including the difficulty in financial forecasting and the accumulation of debt amidst uncertainty. Ian offers advice to traders, emphasizing the importance of having clear targets and recognizing this period as a significant bond opportunity despite the volatility. He recalls similar market conditions during Brexit and stresses the potential for long-term gains for those who remain patient. In addition, the team touches on the ongoing AI development and the strategic moves of major players like Nvidia, which is committed to onshore manufacturing. This shift could transform the future landscape of the tech industry, with significant investments being made despite the current turbulence. Join us for this deep dive into the current economic landscape, understand the factors at play, and learn actionable insights for navigating these uncertain times. *Hashtags:* #MarketAnalysis #TariffImpact #InvestmentStrategies #EconomicUncertainty #TechIndustry #OnshoreManufacturing #Nvidia #AI #StockMarket #FinancialPlanning Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 15 April 2025

In this insightful clip, finance experts Troy Millings, Ian Dunlap, and Rashad Bilal dive deep into the ever-evolving landscape of major tech stocks and investment strategies. The conversation starts with a focus on Amazon, as Troy contemplates the implications of tariffs on e-commerce and how it might impact Amazon’s position as an attractive investment.Rashad shares his perspective, revealing that Amazon isn’t currently in his top five picks for investments. Instead, he places his faith in Nvidia, Microsoft, and TSM, while also considering ETFs like QQQ for strong rebounds. Ian and Troy challenge Rashad’s view by discussing Amazon’s dominance across multiple sectors, particularly in AWS and its potential in healthcare.A fascinating discussion unfolds about the dynamics of global sellers on Amazon’s platform, with Ian highlighting the increasing presence of Chinese sellers. This sparks a dialogue on Amazon's dependency on international markets, compared to companies like Meta that are less reliant on China.This clip is full of engaging debates on market monopolies, tech giants, and investment strategies, providing valuable insights to both novice and seasoned investors. Whether you're interested in the dominance of tech giants like Apple and Nvidia, or keen to explore new opportunities in burgeoning sectors, this discussion has something for everyone.*Hashtags:* #InvestmentInsights #AmazonStock #TechStocks #Nvidia #Microsoft #TSM #ETFs #Ecommerce #AWS #MarketMonopoly #GlobalBusiness #FinanceTalkhttps://investfest.com/tickets/ Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 12 April 2025

In this powerful episode of Earn Your Leisure, we sit down with the legendary Pinky Cole, founder of Slutty Vegan, as she opens up about her entrepreneurial journey, the highs and the lows, and how she fought to reclaim her business and legacy. Pinky reveals how Slutty Vegan fell into financial crisis even after reaching a $100M valuation, and why she lost ownership of the company for 43 days. She breaks down the official debt restructuring process, what led to the crisis, and how scaling too fast contributed to the company’s financial challenges. She explains why taking investor money is like being in a marriage, and the important lessons entrepreneurs need to know before accepting outside capital. Pinky also shares how she “met God” during her fight to buy back Slutty Vegan, why owning the real estate for her restaurants is still a top priority, and the tough decision to sell her D.C. location to Robert Smith to stay afloat. Now, she proudly owns 100% of Slutty Vegan again and is preparing to launch her new vegan restaurant. This is a must-watch episode for every entrepreneur looking to understand the real cost of success, ownership, and resilience. #PinkyCole #SluttyVegan #EarnYourLeisure #Entrepreneurship #BusinessTips #StartupLife #FinancialFreedom #Ownership #Investing #BusinessLessons #BlackExcellence #EYL Link to Invest Fest: https://investfest.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 10 April 2025

In this insightful clip, Rashad Bilal, Ian Dunlap, and Troy Millings dive into a heated discussion about Apple's current status in the tech world. With recent challenges such as potential tariffs and rising iPhone prices, the team debates whether it's time to remove Apple from the popular "two tech to index" philosophy. Ian Dunlap shares his perspective on Apple's drawdown strategy, gross profit margins, and the need for innovation. The discussion also touches on the influence of geopolitical risks and the potential for Apple's future production in India. Could we see a change in leadership at Apple? Will the tech giant continue to hold its position in portfolios, or is it time to shift focus to companies like Nvidia? Tune in to hear expert opinions and strategies on navigating these turbulent times for Apple investors. *Hashtags:*#Apple #Investing #TechStocks #IanDunlap #RashadBilal #TroyMillings #StockMarket #Nvidia #Innovation #Geopolitics #ProductionStrategy https://investfest.com/tickets/ Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 8 April 2025

Tonight on a special episode of Earn Your Leisure, we’re joined by CNBC’s Frank Holland and Investopedia’s Editor-in-Chief Caleb Silver to break down one of the biggest economic moves of the year: Trump’s tariffs. With new tariffs set to take effect and talk of a “State of Emergency” on trade, we’ll explore what this means for the U.S. economy, small businesses, manufacturers, the stock market, global supply chains, and you—the everyday consumer. We’ll unpack the real impact of these tariffs, how they could drive inflation, shift jobs, and affect the price of everything from cars to electronics. Are these moves really about protecting American jobs, or are we entering a costly trade war? What opportunities and risks lie ahead, and how should investors and entrepreneurs prepare? Tune in LIVE at 9PM EST on the Earn Your Leisure YouTube channel for a critical conversation on the future of American trade and economic power. #EarnYourLeisure #TrumpTariffs #StateOfEmergency #FrankHolland #CalebSilver #Economy #TradeWar #Inflation #StockMarket #SmallBusiness #GlobalEconomy #MadeInAmerica #Finance #TariffsExplained Invest Fest Link: https://events.investfest.com/product... Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 4 April 2025

In this insightful clip from Earn Your Leisure, Rashad Bilal sits down with Derrick Faulcon to delve into the art of creating multiple streams of income. Derrick shares his unique strategy, grounded in focus and consistency, to master the "seven streams of income" concept that often seems elusive to many. Listen as Derrick explains his journey, starting with a single donut shop, and how he evolved it into a flourishing business model. He reveals the importance of mastering one craft and developing complementary services and products from it. This focused approach allowed him to expand to multiple shops, leverage brand collaborations, and explore various revenue avenues like corporate catering, truck events, and even digital products. Derrick emphasizes the value of saving and sacrifice, highlighting how these principles were pivotal in scaling his business. He shares his philosophy of underestimating short-term capabilities but recognizing the vast potential in the long run. It's a mindset that he believes is crucial for success, particularly for those in the Black community who might feel pressured to diversify their efforts too soon. Throughout the discussion, Rashad and Derrick explore how to extract substreams from a single business. Derrick provides practical examples from his donut business, showing how each stream, even if it generates a modest income, contributes to an accumulated wealth strategy. The key is consistency and staying in your lane, ensuring that your main business remains the core focus. This clip is packed with actionable advice and real-life examples that shed light on how you can build and sustain multiple income streams without losing focus. Whether you're an entrepreneur starting your journey or someone looking to optimize your existing business, Derrick's insights offer a valuable blueprint for building wealth and achieving long-term success. *Hashtags:*#IncomeStreams #EntrepreneurMindset #BusinessGrowth #WealthBuilding #FocusAndConsistency #Entrepreneurship #MoneyManagement #DonutBusiness #BrandCollaborations #BusinessStrategy Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 2 April 2025

In this fascinating clip, hosts Rashad Bilal and Ian Dunlap delve into the world of AI and robotics, highlighting how reinforcement learning is paving the way for revolutionary advancements in home robotics. Discover how these technologies are shaping our future! The clip takes you through the enlightening experience of attending a high-tech exhibit, where Rashad and Ian engaged with cutting-edge AI and robotics technologies. Get an insider's look at industry giants like Micron and Nvidia and how they're contributing to the tech infrastructure. With AI market trends shifting rapidly, the hosts discuss the uncertainties and opportunities within the industry, as well as the aggressive product development strategies, with some companies planning products up to 2028. Learn why the innovation cycle is crucial for staying competitive, with new technologies rolling out every six months. Explore key topics like physical AI and the evolution of AI into rational, problem-solving entities. With advancements like agentic AI and reinforcement learning, machines are now understanding and adapting to enhance performance. The clip also covers the significant impact of AI on various professions. Discover how AI's rational thinking may democratize knowledge, affecting professions like law, and how autonomous driving technologies could dramatically change the job landscape for drivers worldwide. Finally, Rashad and Ian highlight Nvidia's autonomous driving innovations, showcasing their ability to adapt to complex environments and changing weather conditions, pushing the envelope beyond current technology limitations. Whether you're fascinated by technology, worried about your job, or curious about the future of AI, this clip offers a comprehensive look at how AI and robotics are transforming our world. Join us on this exciting journey into the future of intelligent machines and their societal implications. *Hashtags:* #AI #Robotics #ReinforcementLearning #AutonomousDriving #TechInnovation #FutureOfWork #AITrends #HomeRobotics #Nvidia #AgenticAI Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 29 March 2025

In today's inspiring episode of Earn Your Leisure, we sit down with Derrick Faulcon to discuss his incredible journey from owning a restaurant in Baltimore to successfully launching a popular donut shop in SoHo, NYC. Derrick shares crucial insights into transitioning businesses to new cities, emphasizing the key factors needed to thrive in unfamiliar territories. We dive deep into why Derrick strategically chose SoHo for his donut business and his powerful belief that bringing the best talent together in one room is essential for Black entrepreneurship. He opens up about his core marketing strategies and his ambitious goal of maintaining seven income-generating assets. Discover Derrick's practical advice on creating multiple streams of revenue from a single business model, specifically how he established seven different income sources from donuts alone. Additionally, we touch on the realities of entrepreneurship—including the challenges of loneliness—and how Derrick and his partner, Zewditu Jewel, successfully navigate their personal and professional relationship. The conversation also highlights the importance of cultivating the right mindset and setting both individual and shared goals to drive sustained business growth. Don't miss this valuable conversation packed with business strategies, partnership insights, and entrepreneurial inspiration! #EarnYourLeisure #DerrickFaulcon #Entrepreneurship #BusinessGrowth #MultipleStreamsOfIncome #BlackEntrepreneurs #MarketingStrategy #CoupleGoals #DonutBusiness #SoHo #BusinessMindset Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 27 March 2025

In this thought-provoking clip from Market Mondays, hosts Ian Dunlap, Rashad Bilal, and Troy Millings delve into the rapidly evolving landscape of AI and its profound impacts on society, education, and diversity. The discussion kicks off with new policies being announced during a school break, a strategic move that avoids immediate backlash but raises eyebrows regarding educational transparency. Controversy arises as the hosts discuss the perception and value of historically Black universities like Howard. They highlight negative comparisons to institutions like Harvard, fueled by political figures, which could potentially deter prospective students. This perception fuels a narrative that could impact diversity within the academic world and beyond, limiting the richness of diverse perspectives in education and industry. A crucial topic covered is the parallel between historical redlining practices in real estate and modern challenges posed by AI, bringing attention to the consequences of technological disparities. The clip sheds light on educational inequalities, where certain groups gain exposure to advanced opportunities like tech company visits, while others might miss out on such experiences. This divide poses risks of educational inequity and echoes the necessity to bridge these gaps swiftly. Rashad Bilal delves into AI validation and reinforcement learning, mentioning companies like Meta for their energy-efficient data centers, underscoring the significant, rapid development of AI technologies. With projections shifting, the hosts stress the importance of acquiring relevant skills over solely relying on traditional educational paths to secure financial stability in a tech-driven future. The importance of entrepreneurship and investing is emphasized as foundational strategies for thriving in an AI-dominated world. Companies like Nvidia are highlighted for their substantial influence, akin to historical financial pillars, playing crucial roles in technological and economic stability. Challenges surrounding diversity in tech hiring are candidly addressed, particularly the pressures black individuals face due to diversity initiatives. Gratitude is expressed to tech professionals and platforms that are actively informing communities about ongoing technological changes. The clip urges the necessity of teaching strategic AI tool usage to children and embracing advancements like AI and ChatGPT. The conversation shifts to the significant lack of diversity within tech companies and the limited awareness among black communities about technological progress. Concerns are expressed over the dominance of Chinese and Indian talent in tech firms and the broader global influence of countries like China on social media platforms. Emphasizing a strategic refocus on technology and entrepreneurship, the hosts call for a shift away from distractions such as celebrity gossip. The disparities in AI education between countries like the U.S. and China are highlighted, with mentions of Historical Black Colleges and Universities leading initiatives in AI education. Wrapping up, the clip discusses legal complexities involving AI and robotics, touching on issues like liability and discrimination. The urgency with which corporations are embracing AI reflects the rapidly widening technological gap. The hosts urge viewers to stay informed and proactive to ensure their inclusion in a tech-forward future. Join us as we explore these critical topics and their far-reaching implications. Your understanding and engagement are key in navigating and thriving in this tech-driven era. **Hashtags:** #TechFuture #AIImpact #DiversityInTech #Entrepreneurship #AIEducation #EYL #BlackTechInnovation #HowardUniversity #TechPolicy #AIandSociety #InvestInTech Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 25 March 2025

In this clip, hosts Ian Dunlap, Rashad Bilal, and Troy Millings delve into the dynamic landscape of global investments and technological revolutions. Troy recommends Taiwan Semiconductor Manufacturing Company (TSMC) as a top investment over the next two years, predicting its central role in AI and quantum computing advancements. Learn why TSMC beats out competitors like Intel and why buying at $158-$162 could be a strategic move. As the world focuses on AI's evolving role, Ian highlights its significance in domains like data centers and personal agents. However, geopolitical tensions, especially regarding China and Taiwan, pose potential risks. The hosts discuss the implications of a Chinese stance towards Taiwan and how U.S. investments in semiconductor infrastructure could buffer global disruptions. Despite concerns over potential invasions, they downplay the likelihood of direct military conflict, suggesting that economic sanctions would be the route taken by global powers. The conversation also expands on China’s strategic ambitions beyond economic considerations, focusing on its goal to become the world’s largest economy and military power. Discover insights into how China is closing the technological gap with the U.S. by focusing on regions like Africa and South America. The clip further touches upon challenges faced by the U.S. economy amid rising debt and spending issues, housing affordability, and economic pressures on younger generations. Meanwhile, China's influence through its significant Bitcoin holdings is also highlighted, offering a financial twist to the global chess game. Join the discussion for an insightful look into the intricate balance of technology, economy, and geopolitical strategies shaping our world today. *Hashtags:* #Investing #TSMC #Taiwan #China #AI #Semiconductors #GlobalEconomy #Geopolitics #Technology #Innovation #USChinaRelations Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 23 March 2025

In this eye-opening clip, Rashad Bilal and Troy Millings explore a game-changing approach to gift-giving that can significantly impact future generations. Why settle for traditional gifts like toys or gadgets when you can offer something that grows in value over time? Instead of the usual presents at baby showers, birthdays, or holidays, consider gifting stocks or ETFs. This innovative method can teach children the invaluable lesson of financial literacy and the power of investing from a young age. The clip delves into the benefits of using stock gifting as a way to support children's long-term financial health. Did you know the IRS permits tax-free gifts of up to $18,000 annually? This allows you to transfer wealth efficiently without burdening future taxpayers. Explore how setting up an Upma account (Uniform Transfers to Minors Act) can be a strategic move. It enables guardians to invest in various assets like stocks, real estate, or even cryptocurrencies like Bitcoin for minors. Our hosts emphasize the importance of a systematic approach to investing—contributing regularly to the Upma account ensures the growth of these financial assets. They highlight the strategy of dollar-cost averaging to maximize investments over time, making the most of market fluctuations. Ready to take the first step towards building financial assets for your family? Rashad and Troy recommend opening an Upma account with trusted brokerage firms such as Fidelity, Schwab, or E Trade. This clip is a must-watch for anyone looking to transform how they think about gifts and build a financially secure future for the next generation. *Hashtags:* #StockGifting #FinancialLiteracy #UpmaAccount #InvestInTheFuture #WealthBuilding #DollarCostAveraging #TaxFreeGifts #LongTermInvestment #FinancialEducation #RashadBilal #TroyMillings #Fidelity #Schwab #ETrade Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 21 March 2025

Welcome to EYL's latest clip, where hosts Rashad Bilal and Troy Millings dive into smart financial strategies to ensure a financially secured future for you and your children. In this insightful discussion, they explore the power of Roth IRAs and how starting early can make your child a millionaire by the time they retire. The clip kicks off with Rashad explaining the basics of individual retirement accounts (IRAs), focusing on the traditional IRA and the Roth IRA. A traditional IRA offers a tax deduction when you contribute, but it becomes taxable upon withdrawal during retirement. In contrast, the Roth IRA does not provide an immediate tax deduction but allows for tax-free withdrawals in retirement, making it an appealing option for long-term savings. One of the key takeaways from this discussion is how entrepreneurs can create financial security for their children. Rashad emphasizes the importance of employing your children in your business or ensuring they have a job, allowing them to contribute to a Roth IRA. The benefit? A significant tax deduction for the parent and tax-free income for the child up to $14,300 per year. By consistently contributing the maximum to a Roth IRA from ages 12 to 17, while investing in stock options like QQQ that have historically delivered impressive returns, you can set your child on a path to becoming a millionaire by retirement. Rashad explains that a seemingly small investment of $7,000 per year can grow to an astounding $3.5 million due to the power of compound interest. Troy adds to the discussion by highlighting the importance of deferring gratification and understanding the wealth-building potential for your child's future. They also discuss the flexibility of accessing funds in a Roth IRA before retirement age, albeit with penalties and taxes, providing invaluable options for future endeavors like starting a business. This clip offers invaluable insights into using Roth IRAs for generational wealth building and ensuring retirement doesn't become a looming concern. Through strategic planning and calculated investments, you can empower your children financially while securing tax benefits for yourself. Join Rashad and Troy as they uncover the secrets to creating a solid financial foundation and ensuring generational security. Dive into the world of smart investing and discover how you can turn small, regular contributions into a multimillion-dollar future. Hashtags: #EYL #RothIRA #FinancialSavvy #GenerationalWealth #InvestmentStrategy #FinancialFreedom #EntrepreneurLife #WealthBuilding Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 19 March 2025

The Earn Your Leisure Podcast. Financial Advisor Rashad Bilal and Educator Troy Millings will be your host. Earn Your Leisure will be giving you behind the scenes financial views into the entertainment and sports industries as well as highlighting back stories of entrepreneurs. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 16 March 2025

Want to set your child up for financial success? In this episode of Earn Your Leisure, hosts Rashad Bilal and Troy Millings break down five key strategies to build generational wealth and help your child become a millionaire. They discuss how life insurance can be used as a financial asset, allowing cash value to grow tax-free. A Roth IRA is another powerful tool, leveraging tax-free growth to turn early contributions into long-term wealth. Setting up a UTMA trust ensures assets like stocks, real estate, or cash are protected and managed responsibly. Real estate investing provides passive income and appreciation, creating a stable financial foundation. Lastly, stock gifting takes advantage of tax-free transfers to build a strong investment portfolio from an early age. By implementing these strategies, parents can use compound interest, tax-free investments, and structured financial planning to secure their child’s financial future. The earlier you start, the greater the impact. Which strategy will you use first? Let us know in the comments! 🚨 Link to 24-Hour Stock Club Sale: https://ianinvest.com #EarnYourLeisure #FinancialFreedom #WealthBuilding #GenerationalWealth #InvestingForKids #LifeInsurance #RothIRA #RealEstateInvesting #StockMarket #PassiveIncome #FinancialEducation Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 14 March 2025

In this Market Mondays clip, our insightful team dives into the looming clouds of economic uncertainty and their potential impact on various market sectors. Your host Rashad Bilal, joined by financial commentator Troy Millings and investor Ian Dunlap, break down the key factors influencing the global financial landscape. As concerns about a recession continue to swirl, our experts analyze important indicators, including the bond market, S&P earnings, and geopolitical tensions. This engaging conversation kicks off with Rashad Bilal highlighting the economy’s shaky footing despite favorable sector production figures. Ian Dunlap and Troy Millings weigh in, asserting that economic crashes can negate any positive projections or forecasts. A primary focus of this clip revolves around signs pointing to a potential recession. Troy elucidates the political dynamics in play, noting how media portrayal might change following political shifts. Rashad and Troy acknowledge the bond market's weakening yet delve into the S&P's recent performance, which reflects resilience despite broader economic challenges. The clip deftly transitions to the geopolitical landscape, examining the repercussions of global tariffs and tensions, particularly surrounding Ukraine and the Middle East. Ian Dunlap sheds light on the multifaceted risks posed by these factors, including the potential for economic disruptions. Challenging traditional indicators, Ian underscores that the stock market is not a direct reflection of recessionary movements, positioning it as a lagging indicator. As our trio navigates uncharted economic territories, they provide essential insights into why the numbers may lose significance amid heightened uncertainty. The discussion turns to hyper concentration in the tech sector, with tech giants like Microsoft and Nvidia standing out in an environment of market flux. Rashad highlights patterns observed in the Russell 100, drawing attention to market dynamics over the past few years. Our experts explore the cyclical nature of presidential terms, analyzing investor strategies during transitional periods. Amidst these thought-provoking analyses, our speakers touch on the erratic decision-making processes affecting the market's stability. Rashad and Ian critique the irrationalities influencing policy decisions, warning of the complications they might pose for the economy. This Market Mondays clip is essential viewing for anyone seeking to navigate the complex web of market trends and economic uncertainty. Gain a deeper understanding of how current events, from tariffs to geopolitical complexities, impact the broader economic landscape. Don't miss these actionable insights from our seasoned experts. Tune in for this compelling discussion and equip yourself with the knowledge needed to stay ahead in volatile times. Don't forget to subscribe to Market Mondays for more in-depth analyses and continuous updates on the financial markets. #MarketMondays #EconomicUncertainty #RecessionRisk #FinancialTrends #GlobalEconomy #SPEarnings #GeopoliticalTensions #StockMarketAnalysis #InvestmentInsights #FinancialCommentary #MarketTrends Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 10 March 2025

In this engaging clip from Market Mondays, hosts Ian Dunlap, Troy Millings, and Rashad Bilal delve into the latest developments surrounding Nvidia and the broader chip sector. With Nvidia's stock showing significant volatility in recent times, the hosts provide a critical analysis of the factors influencing the semiconductor market and what investors can expect moving forward. The discussion kicks off with Rashad highlighting Nvidia's recent performance, marking a dramatic roller coaster ride in its stock valuation. Despite an initial decline, the stock witnessed a miraculous rally, stirring an insightful conversation about the broader chip sector, including key players like SMH, TSM, and Broadcom. Ian Dunlap emphasizes the negative year-to-date trajectory of these stocks, setting the stage for an in-depth debate on the future of the chip trade. Ian asserts that the chip trade, while still a good long-term investment, will not yield the massive returns seen in the past couple of years. He points to geopolitical concerns, particularly tensions with China, as major factors affecting the industry. The potential ramifications of chip smuggling and technological competition between the US and China form a crucial part of the conversation, revealing the complexities of international market dynamics. Troy Milings counters Ian's viewpoint, suggesting that the chip trade is not entirely over. He stresses the impact of the Federal Reserve's rate cuts and the ongoing tariffs on economic performance, especially referring to discussions with top AI professionals that underscore the market's volatility. Troy posits that despite the challenges, American companies like Nvidia, Microsoft, and Apple are poised to navigate these obstacles, provided that tariffs and geopolitical risks are adequately managed. The hosts also delve into the strategic maneuvers by tech CEOs visiting the White House and how these high-level discussions could potentially shape the trajectory of the semiconductor industry. Troy suggests that a resolution to tariffs and restoring business relations with China could rejuvenate Nvidia’s performance, reinforcing the need for strategic alliances in maintaining global business competitiveness. Ian raises a critical perspective on global business wars, drawing attention to the increasing influence of BRICS nations and the intricate dynamics of international competition. The conversation explores how America’s top technology firms can sustain their edge amidst rising challenges from global players, especially those in China. Despite varying viewpoints, the hosts agree on Nvidia’s potential for long-term growth. Rashad concludes by emphasizing the importance of a strategic approach for investors. Whether Nvidia's stock will attain its previous highs within a specific timeframe remains unknown, but the hosts encourage viewers to recognize the stock’s enduring potential as a long-term investment opportunity. Join Ian, Troy, and Rashad in this thought-provoking clip as they explore the intricate world of semiconductors, global economic influences, and where the smart money might be heading next. Whether you're an investor or simply interested in the fast-evolving world of technology and finance, this Market Mondays clip offers valuable insights to navigate current trends and prepare for future shifts in the market landscape. #Nvidia #Semiconductors #MarketMondays #InvestingInsights #GlobalEconomy #ChipSector #TradeWars #FinanceTalks Our Sponsors: * Check out Acorns: https://acorns.com/EYL Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 8 March 2025

In this episode of Earn Your Leisure, we sit down with Carolyn Aronson, the CEO and founder of It’s A 10 Haircare, to uncover how she built one of the most successful independent beauty brands in the world. Carolyn shares the strategies behind It’s A 10’s explosive growth, including how giving away millions of free samples turned her brand into a multi-million-dollar powerhouse. She also breaks down how she grew her company by 1,000% through branding and social media marketing, expanded into 125 countries, and kept It’s A 10 relevant in the beauty industry for nearly 20 years. We also discuss the challenges of buying out a business partner, the importance of financial literacy for entrepreneurs, and how her first haircare business failed in 18 months—only for her to come back stronger and build a $500M empire. Carolyn emphasizes why a slow and steady approach is key, how to trademark a beauty brand, and the biggest challenges she faced as a CEO. This is a must-watch for entrepreneurs, beauty industry professionals, and anyone looking to build a global brand from the ground up! #EarnYourLeisure #ItsA10Haircare #CarolynAronson #Entrepreneurship #BeautyIndustry #BrandBuilding #Marketing #SocialMediaMarketing #BusinessGrowth #FinancialLiteracy #CEO #Haircare - [00:00:00] - Rashad Bilal welcomes back the audience and introduces the guest, Carolyn Aronson.- [00:00:21] - Mention of Kelsey, Travis Kelsey, and Tyson Beckford.- [00:00:42] - Discussion about It's a 10 Enterprises operating in numerous countries and its sales.- [00:01:03] - Carolyn Aronson is honored to be named on Forbes 50 over 50.- [00:01:49] - Carolyn describes the Rewind it 10 product and its qualities.- [00:02:30] - Discussion about Carolyn's journey from a hairdresser to starting her company.- [00:03:22] - Introduction of It's a 10 haircare and the miracle leave-in product.- [00:04:06] - Troy asks about the initial product and marketing strategies.- [00:06:05] - The concept behind the name, It's a 10, is discussed.- [00:07:18] - Rashad asks about the initial marketing efforts.- [00:09:09] - Carolyn discusses the failure of her first company.- [00:11:41] - Carolyn talks about learning from initial failures about business efficiencies.- [00:14:14] - Carolyn describes the early challenges and a breakthrough in California.- [00:15:05] - Carolyn discusses what contributed to the company's success.- [00:16:53] - Discussion about financial literacy and managing growth.- [00:19:00] - The importance of adapting to social media and e-commerce strategies.- [00:22:07] - Building a team and the importance of fitting within a company culture.- [00:23:09] - Carolyn talks about product inclusivity and her background.- [00:27:26] - The launch and strategy behind Rewind it 10.- [00:32:20] - Carolyn discusses the acquisition focused on hair growth.- [00:37:20] - Discussion on being a female entrepreneur in a male-dominated industry.- [00:39:23] - Rashad mentions Target's diversity cutbacks and product inclusion challenges.- [00:41:12] - Protecting brand and product formulas legally.- [00:44:23] - Discussion on various business ventures like real estate and chartering.- [00:46:22] - Carolyn shares thoughts on her company's legacy.- [00:47:49] - Discussion about expanding into different regions, particularly targeting Japan.- [00:49:33] - Carolyn's final message and encouragement to women entrepreneurs. Our Sponsors: * Check out Acorns: https://acorns.com/EYL Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 6 March 2025

In this insightful clip of Market Mondays, hosts Rashad Bilal and Troy Millings delve into the complexities of market fluctuations under unpredictable political decisions. Join them as they discuss the uncertainty faced by Fortune 500 companies and global markets during unpredictable leadership. Rashad shares his personal experience after expressing doubt about Trump's impact on the economy just before the election. He recounts a conversation with a top executive from a Fortune 500 company, who described the new era of unpredictability as it pertained to tariffs, regulations, and market behavior. This executive emphasized how challenging it is for businesses when the rules of the game seem to change daily, disrupting their ability to navigate the economic landscape effectively. The hosts explore why stability and predictability are cherished by markets. They clarify that markets and industries thrive on knowing consistent policies – whether it's understanding foreign policies or knowing which industries may face scrutiny. Rashad points out that Trump's unpredictable nature significantly deviates from this standard, leading to fluctuating global markets and creating choppy waters for businesses and governments alike. Troy further expands on how erratic decisions, such as sudden tariffs, affect multiple countries, highlighting the interconnected nature of global commerce. Unpredictable retaliations from countries like China illustrate how sudden policy shifts create a domino effect, impacting business operations worldwide. Troy stresses how this uncertainty makes it difficult to prepare for future business strategies, as the rules could change abruptly. Both Rashad and Troy connect these economic uncertainties to broader challenges, referencing how departmental cuts and mismanagement, particularly in the context of handling COVID-19, have repercussions that extend beyond the immediate business landscape. This clip sheds light on the importance of consistent and predictable policy-making for economic stability and growth. It emphasizes the cascading effects of political decisions on global commerce, illustrating a critical topic that resonates with businesses and investors alike. Tune in to gain a deeper understanding of how erratic political behavior influences markets and learn strategies for navigating such uncertain times. Be sure to catch more insights with Rashad Bilal and Troy Millings on Market Mondays! *Hashtags:* #MarketMondays #EconomicUncertainty #PoliticalImpact #TrumpEconomy #GlobalMarkets #MarketAnalysis #BusinessStrategy #RashadBilal #TroyMillings #EconomicStability #PolicyImpact Our Sponsors: * Check out Acorns: https://acorns.com/EYL Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 4 March 2025

In this enlightening Market Mondays clip, Rashad Bilal and Troy Millings converse with special guest Alvin Bekoe about the burgeoning connections between African Americans and Ghana, and the misconceptions that often accompany these efforts. The discussion begins with the hosts highlighting the negative feedback some Americans receive when choosing to engage with Ghana. Alvin proposes that such criticism stems from a lack of information and understanding among people, elaborating on how individuals from various countries, including China and Europe, are also making strides in Ghana, integrating without imposing their cultures. The conversation transitions to the positive aspects of these cross-cultural connections, emphasizing the project collaboration among people of African descent as a symbol of unity and strength. Alvin shares his vision for the project's future, expressing a desire to foster brotherhood alongside the development of real estate, which represents only the beginning. Alvin articulates a powerful narrative about how black Americans seamlessly assimilate into Ghana, immersing themselves in the local culture rather than imposing an American identity. He reiterates the similarities between Ghana and the U.S., dispelling myths and highlighting the natural exchange of cultures that include music, dance, and cuisine as common ground. The discussion shifts to the wealth distribution and entrepreneurial spirit inherent in Africa. Alvin conveys how wealth in Africa is unique, often coming in the form of landownership from birth, with entrepreneurial zeal deeply rooted, particularly among the Ashanti people. He introduces viewers to the concept of multigenerational wealth, where assets are passed down, and highlights the presence of influential and wealthy women in Ghana. Troy brings attention to the impressive localization of expertise within their project, celebrating Joseph, a master engineer educated in the same high school as Alvin, who has been pivotal in creating over a thousand jobs. Alvin proudly shares how these job opportunities have built a strong community eager to contribute to Ghana's development, with workers so devoted to the project that they often choose to prioritize its success over holiday breaks. This clip underscores the potential that lies in unity and collaboration between the diaspora and Africa. Exploring these partnerships offers an incredible opportunity for growth, understanding, and shared success. By dispelling myths and promoting dialogue, Market Mondays sheds light on the transformative power of embracing our collective heritage and working together toward common goals. Join Rashad, Troy, and Alvin on this insightful journey into forging stronger connections and creating lasting impacts in Ghana. *Hashtags:* #MarketMondays #Ghana #AfricanDiaspora #CulturalUnity #RealEstateDevelopment #Entrepreneurship #AfricanWealth #CrossCulturalExchange #DiasporaConnections #JobCreationInAfrica Our Sponsors: * Check out Acorns: https://acorns.com/EYL Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 2 March 2025

In this exciting Market Mondays clip, hosts Rashad Bilal, Troy Millings, and Ian Dunlap discuss Apple’s latest product announcement and the company's overall strategy moving forward. The clip kicks off with a bold statement from Rashad Bilal, noting the "flop" of Apple's 16e announcement, as Troy Millings congratulates him on predicting it would be another phone release despite the disappointment. Ian Dunlap presents a balanced critique using the sandwich method, starting by applauding Apple's investment in job creation in Houston, Texas, and their efforts to boost GDP growth while countering China's advancements in AI. However, he stresses the need for Apple to innovate beyond releasing another phone, suggesting an Oculus knockoff or the long-awaited glucose monitor watch instead. The conversation heats up as Ian expresses concerns about Apple's lack of groundbreaking products in recent years. He raises the question of their absence in the AI race, drawing comparisons with companies like Nvidia and Tesla that have outperformed in product releases. Rashad and Troy join in, discussing how Apple's Vision Pro has seen a decline in app availability despite its promising start and how the phone cycle continues to be their main revenue driver. Troy and Ian further elaborate on Apple's current product lineup, questioning the necessity of frequent updates for devices like the iPad and Apple Watch. The conversation takes an introspective turn as they assess Tim Cook’s leadership and compare it to Elon Musk’s, noting that while Apple remains a trillion-dollar company, it largely rides on Steve Jobs's legacy without significant new innovations. As the discussion wraps up, Ian reassures viewers that this critique is merely an assessment and, despite questions about Apple's strategy, there’s no immediate need to sell its stocks. He humorously likens the situation to a relationship where expectations need to be continually met, sparking a light-hearted camaraderie among the hosts. Join the debate as Rashad, Troy, and Ian delve deep into Apple’s current standing, the importance of constant innovation, and what it means for investors today. Hit the like button, share your thoughts, and subscribe for more insightful market analysis every week on Market Mondays! #Apple #AppleAnnouncement #MarketMondays #TechInnovation #AI #Investment #SteveJobsLegacy #TimCook #VisionPro #iPhone #Nvidia #Tesla #Innovation #TechNews #Houston #Ecosystem #InvestmentAdvice Our Sponsors: * Check out Acorns: https://acorns.com/EYL Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 1 March 2025

In this impactful clip from Market Mondays, we dive deep into the economic, geopolitical, and humanitarian complexities surrounding the Democratic Republic of Congo—a country rich in valuable minerals but plagued by exploitation and violence. Guest Chaka Zulu shares his firsthand insights on how Congo's vast mineral wealth, including resources critical for modern technology like smartphones and electric vehicle batteries, has made it the target of resource-driven conflicts. Chaka sheds light on the historical and ongoing consequences of global powers’ pursuit of Congo’s resources—spanning back to its invasion in 1998, which led to the death of 6 million people, to recent exploitation facilitated by geopolitics. He discusses how countries, like Rwanda, play a role in exporting resources they do not naturally possess by occupying Congolese mines, further destabilizing the region. Chaka explains the tragic human toll of this exploitation, including stories of villages destroyed and families devastated, as well as the inadequate global attention to these atrocities. The discussion also touches on Africa’s fractured political and economic systems, emphasizing the need for unity akin to the United States of Africa to ensure equitable trade and governance. Chaka Zulu's dedication doesn’t stop with his analysis—he also shares stories of his humanitarian efforts to bring positive change, from championing education to actively supporting survivors of violence. This clip offers a harrowing yet compelling perspective on the fight for Congo's resources, the role of international powers, and the staggering contrast between the nation's natural wealth and its economic and humanitarian struggles. Stay tuned to gain insight into one of the world's most pressing and complex issues. *Hashtags:* #MarketMondays #CongoCrisis #AfricanEconomics #ChakaZulu #Geopolitics #MineralWealth #ElectricVehicles #GlobalTrade #HumanitarianEfforts #ResourceExploitation #TechIndustryImpact Our Sponsors: * Check out Acorns: https://acorns.com/EYL Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 26 February 2025

In this clip of EYL featuring special guest Christian Charvet, we dive deep into the impactful decision-making process of purchasing a car. Whether it's a new vehicle or a pre-owned one, Christian breaks down the pros and cons of each choice and shares crucial tips to help you make the best financial decision for your needs. 🚗 *Used Cars vs New Cars:* Christian meticulously explains why mileage, interest rates, and warranties play a critical role when deciding between a used or new vehicle. This clip captures valuable insights for anyone looking to buy a car, especially in today’s fluctuating automotive market. Avoid common financing pitfalls and stay informed! *Key Topics & Timestamps:* 0:00 – Rashad Bilal kicks off the discussion on whether buying a used car or a new car is better. 0:19 – Christian shares why purchasing a car is more about financial decisions over ego. 1:01 – The importance of buying used cars from authorized dealers and rigorous inspections. 2:06 – Certified pre-owned cars: Why warranties offer peace of mind and save you costs. 3:01 – COVID-19 pandemic's impact on the used car market and price escalations. 4:07 – Christian elaborates on used car interest rates (7%-14%) and their impact on financing. 5:06 – A lesson on simple interest loans, depreciation, and the financial dangers of being "upside down" with car repayments. 7:04 – Tips to get out of a negative equity cycle, the benefits of leasing as a solution. 8:29 – Breakdown of warranties by mileage and time using the concept of "Date of First Use" (DOFU). *Hashtags:* #UsedCars #NewCars #CarBuyingTips #CarFinancing #EconomicDecisions #Warranties #VehiclePurchasing #EYLMotivation Dive into the full clip and gain an in-depth understanding to make smarter car-buying choices! Don’t let hidden costs and depreciation catch you off guard. 🚘✨ Our Sponsors: * Check out Acorns: https://acorns.com/EYL Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 24 February 2025

Welcome back to another engaging clip of Market Mondays! In this edition, Rashad, Troy, and Ian dive deep into the insightful question: If you had to restart from scratch today, knowing everything you know now, what would your top three money moves be? Hear Rashad Bilal share his personal journey, breaking down why starting with a service-based business with low overhead can make all the difference for someone starting from zero. Troy Millings offers actionable advice on leveraging multiple streams of income from a single job, sharing inspirational personal anecdotes. Ian Dunlap emphasizes the importance of building a business, long-term investing, and the value of helping others first as a core money strategy. Plus, the trio discusses the importance of speed when executing on investments and surprises from Ian’s snowboarding adventure! This conversation is laced with actionable financial advice, lessons in entrepreneurship, and reflections from real-life experiences. It’s an invaluable listen for anyone looking to rethink and refine their financial journey, whether starting out or starting over. *Timestamps:* 0:00 Rashad on starting from scratch - prioritizing a low overhead service-based business 2:25 Rashad’s strategy: leveraging your network and reinvesting profits 3:26 Ian’s three-step approach: build a business, long-term investment, and trading futures 4:36 Troy on creating multiple income streams within your job 5:55 Reflections on speed, execution, and smart investments Get inspired and take actionable steps today to build a financially secure future! #MarketMondays #Entrepreneurship #FinancialFreedom #InvestingTips #MoneyMoves #PersonalFinance Our Sponsors: * Check out Acorns: https://acorns.com/EYL * Check out Chime: https://chime.com/EARN Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 22 February 2025

Buying a car can be overwhelming, but we’ve got you covered! In this episode of Black Out, we sit down with car expert Christian Charvet to break down everything you need to know before making a purchase. We explore the pros and cons of leasing vs. buying, helping you decide which option makes the most sense for your financial situation. We also uncover the hidden language that dealerships use to upsell, lock you into bad deals, and manipulate financing terms. Whether you’re debating between a new or used car, we discuss the benefits and pitfalls of each and share expert tips on how to avoid costly mistakes. Most importantly, we reveal insider negotiation strategies that can save you thousands. Learn how to spot dealership tricks, what to say to get the best price, and why walking away might be your most powerful tool. If you’re in the market for a car or just want to arm yourself with knowledge before stepping into a dealership, this is a must-watch! #BlackOut #CarBuying #LeasingVsBuying #CarDeals #AutoExpert #ChristianCharvet #NewVsUsed #CarTips #CarBuyingGuide #DealershipTricks - **Guest Introduction and Background** - [00:01:00] - **Importance of Car Buying Education** - [00:03:12] - **Car Market Changes (COVID and Post-COVID)** - [00:05:28] - **Being Prepared When Going to a Dealership** - [00:07:10] - **Credit Scores and Their Importance** - [00:10:22] - **Used Cars vs. New Cars** - [00:12:55] - **Leasing vs. Financing** - [00:20:01] - **Researching and Finding Deals & Incentives** - [00:22:40] - **Getting a Good Deal** - [00:27:00] - **Hidden Fees and Upselling Tactics** - [00:31:20] - **Early Termination Fee and Lease End Process** - [00:40:05] - **Deep Dive into Leasing and Financing** - [00:41:36] - **Tax Incentives and EV Incentives** - [00:45:50] - **Understanding Trade-In Values** - [00:50:25] - **Dealership Language and Terminology** - [00:55:52] - **Gap Insurance** - [01:01:41] - **Financing Through Dealership vs. Third Party** - [01:03:31] - **Down Payments on Finance Vehicles** - [01:06:12] - **Advice for First-Time Car Buyers** - [01:08:15] - **End of Lease Guide** - [01:10:20] - **Conclusion and Contact Information** - [01:14:04] Our Sponsors: * Check out Acorns: https://acorns.com/EYL * Check out Chime: https://chime.com/EARN Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 21 February 2025

Welcome to the first installment of Market Mondays, where Rashad Bilal, Ian Dunlap, and Troy Millings dive deep into strategic investment advice! In this clip, our experts break down effective strategies for investing $100,000, outlining how to maximize returns while managing risk. Whether you are a seasoned investor or just beginning your financial journey, this discussion offers invaluable insights tailored to help you make informed decisions. *Key Points Covered:* 1. **Investing in Index Funds and Tech Stocks**:*Rashad Bilal* kicks off the conversation by querying the best strategy for investing $100,000 to maximize returns while managing risk.*Ian Dunlap* shares his tried-and-true strategy of dividing the investment, putting half into index funds like VTI and VGT, particularly during market dips, to avoid buying at all-time highs. The other half should go into technology stocks such as Apple, Microsoft, and Nvidia, emphasizing their foundational role in our tech-driven world.He highlights the importance of understanding one's risk appetite and choosing the right price points for entry. 2. **Risk Management and Strategic Investment**:*Ian* underscores the significance of balancing risk through diversification—splitting investments between index funds and tech stocks to mitigate potential losses without sacrificing potential gains. He also warns against impulsive investments in unstable stocks such as GameStop, advising viewers to listen to proven strategies. 3. **Troy Millings' Real-World Example**:*Troy Millings* shares his personal experience from 2021 at Market Mondays Live at the Apollo, where he allocated $100,000 into three ETFs: SMH, XLK, and XLY. By splitting the investment equally among these ETFs, he protected his portfolio from individual stock volatility, resulting in a lucrative return of up to 1200%.His anecdote underscores the value of calculated risk management and the potential for high returns when investing in diverse sectors. 4. **Educational Investment Tips**:Both experts stress the importance of education and informed decision-making in investing. They discuss the merits of long-term option leaps and the protection ETFs offer against market swings.They encourage listeners to adjust these strategies based on their financial capabilities, even if they don't have a full $100,000 to invest. By adapting the same principles on a smaller scale, such as $1,000 or $10,000, investors can still benefit from strategic allocation and sector protection. Stay tuned for more insightful discussions and practical advice in future clips. Make sure to hit the like button, subscribe to our channel, and ring the notification bell so you never miss an update from Market Mondays! **Hashtags**:#MarketMondays #Investing101 #TechStocks #IndexFunds #InvestmentStrategy #FinancialFreedom #SmartInvesting #RiskManagement #WealthBuilding #FinancialEducation #InvestingTips #StockMarket #MarketInsights #RashadBilal #IanDunlap #TroyMillings #ETFs #StockInvesting --- Dive into the full discussion to equip yourself with the knowledge needed to make sound investment decisions and join our community in achieving financial success! Our Sponsors: * Check out Acorns: https://acorns.com/EYL * Check out Chime: https://chime.com/EARN Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 19 February 2025

Welcome back to Market Mondays! In today's compelling clip, we're excited to host financial literacy advocate and entrepreneur John Hope Bryant. John delves deep into the crucial role of credit scores in our lives, emphasizing why improving your credit score by 100 points can be as life-changing as finding God or discovering true love. *Key Insights in This Clip:* **Economic Decisions in Elections**: John starts by sharing a thought-provoking perspective on politics and economics. He argues that political elections are often more about financial outcomes than social issues, underlining the vital role of the economy in shaping leadership decisions. **Capitalist Reality**: He highlights the fundamental truth of our society — we live in a capitalist democracy where almost every aspect of life is intertwined with economics. From the operations of churches to the global agricultural history, he makes it clear that money matters in all spheres. **Credit Scores in Marriage and Life**: John humorously yet seriously discusses how credit scores should be a key consideration in personal relationships. He points out that after the initial attraction fades, financial compatibility remains crucial, making your partner a business partner for life. **Historical Economic Context**: He provides a historical context, explaining how economic needs, rather than just social prejudices, have driven events like slavery. Recognizing the agricultural skills and resilience of enslaved Africans, he illustrates how economic incentives have shaped societal structures. **Widespread Impact of Financial Literacy**: John underscores the undeniable impact of money on various social issues, including divorce, domestic abuse, stress, and politics. He asserts that understanding and managing finances can alleviate many of these problems. **Power of Good Debt and Credit**: Using examples of successful billionaires, he explains how good debt and high credit scores have been fundamental to their success. He stresses that improving one's credit score opens doors to better financial opportunities. **Consequences of Poor Credit**: He paints a stark picture of neighborhoods with low credit scores, highlighting the high costs of living, increased crime rates, and lower life expectancies. He contrasts this with high credit score neighborhoods, showing the vast difference a good credit rating can make. **Challenges in the Black Community**: John addresses the specific challenges faced by African Americans in terms of credit scores and financial opportunities. He discusses the average credit scores within the Black community and the larger economic implications, including lower homeownership rates and future financial predictions. **Empowerment Through Credit**: Despite the challenges, John offers hope by emphasizing the empowerment that comes with fixing your credit score. He states that improving your credit can transcend racial and socio-economic barriers, allowing for greater financial freedom and opportunities. Watch this informative clip and discover why John Hope Bryant believes that moving your credit score 100 points can be transformative for anyone. Don't forget to like, comment, and subscribe for more insightful conversations on Market Mondays! *Hashtags:*#MarketMondays #JohnHopeBryant #CreditScore #FinancialLiteracy #EconomicEmpowerment #MoneyMatters #Capitalism #FinancialFreedom #HomeOwnership #PersonalFinance #WealthBuilding #SelfEmpowerment #BlackWealth #SmartInvesting #CreditRepair ---Feel free to leave your questions and thoughts in the comment section below. We're here to help you navigate your financial journey! Our Sponsors: * Check out Acorns: https://acorns.com/EYL * Check out Chime: https://chime.com/EARN Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 16 February 2025

Welcome to Market Mondays! In this episode, hosts Ian Dunlap, Troy Millings, and Rashad Bilal dive deep into the most significant financial mistakes people should avoid in 2025. Whether you're experienced in investing or just starting, this video is packed with valuable insights you won't want to miss! *Key Discussions:* *0:00 - Biggest Financial Mistakes for 2025:*Ian Dunlap kicks off the episode by emphasizing the importance of staying focused and not getting distracted by irrelevant conversations or social media debates. He shares a personal anecdote about someone who stopped making gains simply because they got distracted. *1:09 - Eliminate Distractions:*Ian continues discussing the importance of eliminating distractions from your life to stay financially productive. He urges listeners to consistently invest in their chosen asset class—whether it's crypto, equities, real estate, or business—for long-term gains. *3:08 - Buying a Home:*Rashad Bilal highlights the biggest mistake people can make: buying a home they can't afford or aren't prepared for. Referencing the advice from their episode with Kiana Watson on real estate, Rashad brings up Cash Doll's financial regret of buying an expensive mansion as a cautionary tale. *4:36 - Learning from Experience:*Troy Millings adds that it's crucial to learn from experiences and those who've made mistakes before you. He emphasizes that many people don’t openly share their pitfalls, making it all the more essential to pay attention to those who do. *5:09 - Avoiding Bad Advice:*Troy warns against letting others trick you out of your position, whether it’s in investing or any other aspect of life. He advises to stay committed and not let momentary distractions or misleading advice divert you from your goals. *6:45 - Long-term Vision:*Ian and Troy discuss the importance of staying committed for the long haul. Ian uses the recent example of the banking elite overtaking the retail crypto market to drive home the point: stay locked in and think long-term. *Additional Resources:**Things to Know Before Buying a Home ft. Kiana Watson:* [Watch here](#) This episode shares essential tips for prospective homebuyers to prepare and avoid common pitfalls. *Hosted by:*Ian DunlapTroy MillingsRashad Bilal *Why Subscribe?*Market Mondays brings you weekly insights on investing, financial planning, and economic trends, making it easier than ever to make informed decisions. Tune in every week to get the latest updates and strategies from industry experts. 📌 *Don't forget to like, subscribe, and hit the notification bell* so you never miss out on our latest episodes! #MarketMondays #FinancialMistakes #Investing #RealEstate #Crypto #StockMarket #FinancialPlanning #IanDunlap #TroyMillings #RashadBilal --- By focusing on common pitfalls and providing insightful advice, this video aims to help viewers navigate their financial journeys more effectively. Whether you're looking to avoid mistakes in the real estate market or seeking ways to stay focused on your investment goals, this Market Mondays episode has you covered. Our Sponsors: * Check out Acorns: https://acorns.com/EYL * Check out Chime: https://chime.com/EARN Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 12 February 2025

Welcome to another insightful clip from Market Mondays! In this clip, our hosts Rashad Bilal, Troy Millings, and investor Ian Dunlap dive into an essential topic for all investors: the best stocks under $100 worth buying. Whether you're a seasoned investor or just starting, this discussion offers valuable insights into making informed investments. *Time Stamps:* 00:00 - Are there any stocks under a hundred dollars worth buying?00:04 - Ian Dunlap's take on Nvidia and AMD01:15 - Troy Millings' picks: Micron and Dell02:07 - Best practices for portfolio management 03:12 - Importance of using an LLC for trading accounts04:14 - Avoiding overextension in multiple stocks *Key Highlights:* **Nvidia (NVDA)**: Ian Dunlap emphasizes that Nvidia remains a compelling pick even after its stock split, noting that it's a promising long-term investment. He suggests that investors should consider buying Nvidia stocks, especially if they dip under $100. With Nvidia's current growth trajectory, it could reach $350 in a few years. **Advanced Micro Devices (AMD)**: Ian and Troy have a spirited debate on AMD, but they both agree it is a worthwhile investment. Like Nvidia, AMD is projected to perform well in the long-term, especially as the tech landscape continues to evolve. **Micron Technology (MU)**: Troy Millings highlights Micron's vital role in data storage, particularly in connection with GPUs and AI applications. With Micron priced around $90, it stands as a strategic investment for those interested in tech stocks. **Dell Technologies (DELL)**: Known for its reliability and adaptation to the AI revolution, Dell is another stock Troy recommends. Sitting at $100, Dell offers long-term growth potential, especially in data center infrastructure. **Best Practices for Trading**: Rashad and Ian stress the importance of not risking more than 10% of your portfolio on trades to avoid irrational decision-making. For instance, if you have $100,000 to invest, only $10,000 should be used for trading to maintain a balanced portfolio. **Use an LLC for Trading Accounts**: The hosts suggest setting up an LLC for your trading activities. This provides protection against lawsuits and helps manage risks better if you're handling significant amounts of money in brokerage accounts. **Consolidate Investments**: Rashad finishes by advising against spreading investments too thin across multiple stocks. Holding too many positions can dilute your returns and make it challenging to see meaningful gains. This clip offers not only stock picks but also valuable advice on managing your portfolio and protecting your investments. Whether you're interested in Nvidia, AMD, Micron, or Dell, the goal is to make smart, informed decisions and hold these stocks with a long-term vision. *Don't forget to like, subscribe, and hit the notification bell to stay updated with the latest market insights and investment strategies from Market Mondays!* *Hashtags:*#MarketMondays #StockMarket #Investing #Nvidia #AMD #Micron #Dell #StockTips #FinancialAdvice #LongTermInvesting #AssetProtection #InvestmentStrategy Our Sponsors: * Check out Acorns: https://acorns.com/EYL * Check out Chime: https://chime.com/EARN Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 9 February 2025

In this insightful episode of Earn Your Leisure, we engage in a comprehensive discussion with certified credit educator Shonda Martin, who shares her personal journey from grappling with poor credit to becoming a leading authority in credit education. Shonda offers practical strategies to enhance your credit score effectively. A key focus is on understanding credit utilization; she emphasizes the importance of maintaining a low credit utilization ratio, advising that keeping it under 10% can significantly boost your score. Additionally, Shonda underscores the critical role of timely payments, noting that consistent on-time payments are fundamental to credit improvement. She also delves into the process of building a solid credit history, providing guidance on establishing and maintaining good credit practices, even for those starting anew. The discussion includes insights into the use of secured credit cards as a valuable tool for rebuilding and enhancing your credit profile. Furthermore, Shonda highlights common pitfalls that can harm your credit score and offers advice on how to avoid them. Whether you’re aiming to repair damaged credit or build a strong credit foundation, this episode provides actionable steps to help you achieve your financial goals. #CreditScore #ShondaMartin #EarnYourLeisure #CreditRepair #FinancialTips Our Sponsors: * Check out Acorns: https://acorns.com/EYL * Check out Chime: https://chime.com/EARN Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 8 February 2025

In this insightful clip from EYL, we're joined by the incredible Quiana Watson to delve into the often-overlooked costs and fees associated with purchasing a home. As first-time homebuyers, we usually focus on the big-ticket items like the mortgage and property tax, but what about the other expenses that can catch us off guard? Quiana breaks it down for us! *Key Takeaways:* 1. **Utility Costs**:Quiana emphasizes the importance of getting a statement of utility bills from the previous homeowner. Understanding these costs ahead of time can prevent unexpected expenses, especially when moving from a smaller apartment to a much larger home. 2. **Homeowners Association (HOA) Fees**:The realities of HOA fees can be both beneficial and burdensome. While they help maintain neighborhood standards and can include utilities and amenities, they also add to your monthly expenses. Quiana points out that understanding what’s included in these fees is crucial before making a purchase. 3. **Routine Maintenance & Home Warranties**:Owning a home means you're responsible for its upkeep. Quiana suggests investing in a home warranty to cover large expenses like H-Vac system replacements. Routine maintenance, such as gutter cleaning and pressure washing, should also be factored into your budget. 4. **Mortgage Insurance**:Often misunderstood, mortgage insurance is required if you put down less than 20% on your home. Quiana clarifies that this insurance protects the lender, not you. However, once you've paid 20% of your loan principal, you can request to have this insurance removed. 5. **Homeowner’s Insurance**:Quality matters. Many homebuyers opt for the cheapest insurance but, as Quiana advises, cheaper isn't always better. Proper coverage is essential, particularly if you've invested in upgrades. Always inform your insurer of significant changes to ensure you're fully protected. 6. **Budgeting for the Unexpected**:Rashad Bilal adds the importance of having a well-thought-out budget that encompasses all potential costs, not just the mortgage. This foresight helps prevent financial strain and ensures you enjoy your new home without constant worry. *Expert Insights:*Quiana shares her professional experiences to highlight common pitfalls and offers practical advice to make the home buying process smoother. Her emphasis on value appreciation and ownership as primary reasons for entering real estate is a critical reminder for new homeowners. Whether you’re considering buying your first home or looking to understand more about the additional costs associated with homeownership, this episode is a must-watch. Budgeting accurately and having a strategy in place can make all the difference. *Join the conversation!* Share your thoughts and experiences with us in the comments. Have you encountered unexpected expenses in homeownership? How did you handle them? *Don't miss out on this essential advice! Make sure to like, subscribe, and hit the notification bell for more expert insights.* --- *Hashtags:* #EYL #HomeBuyingTips #QuianaWatson #FirstTimeHomebuyer #HomeOwnership #Utilities #HOAfees #MortgageInsurance #HomeMaintenance #RealEstate #PropertyInvestment #HomeBudgeting #ExpertAdvice #FinancialPlanning #DreamHome --- By covering all these essential topics, this clip aims to provide a comprehensive guide to help you navigate the complex world of homeownership with confidence and ease. Our Sponsors: * Check out Acorns: https://acorns.com/EYL Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 4 February 2025