Earn Your Leisure

In this Market Mondays clip, hosts Troy Millings, Ian Dunlap, and Rashad Bilal break down what really drives the stock market and what’s just background noise. With stock futures drifting higher ahead of a high-profile meeting, the team explores whether political events and global tensions have any lasting impact on your portfolio. Ian Dunlap dives into why the much-talked-about meeting is likely more “noise” than a true catalyst for the market, emphasizing the importance of distinguishing between real market movers and distractions. The discussion turns to the futures market, commodity shifts (especially in wheat from Ukraine), and how geopolitical events rarely cause significant market upticks. The conversation heats up in anticipation of a big market-moving moment: Fed Chair Jerome Powell’s upcoming speech. Troy and Ian agree that Powell’s comments on interest rates have way more power to shake up Wall Street than any international meeting. Will Powell bow to presidential pressure for a rate cut, or will he hold firm? The hosts analyze possibilities—including the chance of a half-point rate cut—and what each scenario could mean for stocks. Throughout the clip, the Market Mondays team stresses long-term investing over knee-jerk reactions. Learn why holding your investments through the noise—and recognizing real catalysts—can set you apart as a savvy investor. Key topics in this clip: The difference between market “noise” and real catalysts Impact (or lack thereof) of geopolitical meetings on stock futures Why Jerome Powell’s interest rate decisions are the real game changer Long-term investment strategy versus short-term speculation How to prepare for both market pullbacks and bullish runs Don’t miss Troy, Ian, and Rashad's insight into how top investors filter out distractions and keep their focus on what truly drives the market. Whether you’re a beginner or a seasoned pro, this clip will help you navigate a market flooded with headlines—and invest with confidence. *Subscribe to Market Mondays for weekly financial insights, actionable strategies, and unfiltered market commentary.* #StockMarket #MarketMondays #Investing #JeromePowell #InterestRates #Geopolitics #FinanceClip #FinancialEducation #BullMarket #LongTermInvesting --- Remember to like, comment, and share if you found this clip helpful! Let us know your thoughts in the comments: What do you consider a true catalyst for the market? Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Square: https://square.com/go/eyl Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Published: 19 August 2025

In this Market Mondays clip, Rashad Bilal and Ian Dunlap break down the latest surge in the Nasdaq, which has just hit another record high. Is this the start of a long-lasting, AI-fueled bull run, or should investors brace for a pullback? Rashad cautions against wishing for a correction just because you missed last year’s rally, emphasizing that groundbreaking tech firms like Nvidia, AMD, Apple, and Microsoft are fundamentally different from the dot-com era giants — boasting stronger business models and massive profit margins. Ian highlights the unprecedented strength of today’s tech leaders, particularly Nvidia operating with a net margin as high as 55%. The hosts unpack why comparing today’s market to periods like the dot-com bubble misses the mark. The discussion dives into why now may not be the time to short the Nasdaq, especially given factors like pending interest rate cuts, changes to China tariffs, and global market shifts that all favor sustained growth for top tech firms. Rashad and Ian both agree: a pullback is possible, but not the kind of major correction some are predicting. Instead, they advocate for a long-term investing strategy in high-quality, innovative businesses—pointing out that holding onto top performers over decades can be a game changer for generational wealth. Notably, the clip touches on:Why Nvidia is considered a generational company and how its growth diverges from dot-com-era tech.The impact of potential Federal Reserve rate cuts and international tariff policies on Nasdaq giants.The strength of companies driving the market—like Microsoft, Apple, Google, Amazon, Meta, Broadcom, and Tesla—and why shorting them could prove risky.The power of long-term investing and what history can teach us about patience and compounding returns. The Nasdaq’s momentum has investors and analysts talking about possible corrections and recessions—but Rashad and Ian believe that, despite near-term volatility, the broader bull case remains strong. Don’t let fear keep you on the sidelines; instead, focus on building wealth through smart, consistent investing in the innovation economy. If you’re looking to understand what’s driving the current market, where the risks and opportunities are, and how the world’s biggest tech titans are changing the investing landscape—this clip is for you. Subscribe for more actionable market insights and strategies from Rashad, Ian, and the Market Mondays team! *#MarketMondays #Nasdaq #AIStocks #Nvidia #StockMarket #Investing #TechStocks #BullMarket #FinancialFreedom #LongTermInvesting* Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Square: https://square.com/go/eyl Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 17 August 2025

In this thought-provoking clip of EYL, Austin Haynes joins host Rashad Bilal to reveal the secrets behind institutional investments in crypto. If you’ve ever wondered which cryptocurrencies the world’s top banks and asset managers are really putting their money into, this is the insight you’ve been waiting for! Austin shares exclusive findings from over 12,000 documents—narrowed down to the 13 must-see reports that map out where institutional money is flowing in the crypto world. Screen share moments highlight real documents from names like Swift, World Economic Forum, Citi, State Street, and more. Learn why the days of making fast fortunes with random coins are over, and discover the new rules of the game as big money enters the space. Rashad asks all the crucial questions for the everyday investor: What’s the difference between coins and tokens? Which coins are actually being picked by hedge funds and billion-dollar institutions? Why should you follow the so-called “smart money” instead of chasing hype? How can you track institutional allocations and ETF filings before the rest of the market catches on? Austin breaks down survey data from a major EY & Coinbase report, revealing that the vast majority of surveyed institutional investors hold Bitcoin and Ethereum, with significant allocations also going to XRP and Solana. Hear why Bitcoin remains the king, how XRP is reshaping financial settlements, and why Solana and Ethereum are the leading platforms for decentralized applications. Whether you’re a crypto newbie or an experienced investor, this clip is packed with actionable advice and research-backed strategies for investing like the pros. Don’t miss Austin’s tips on how to spot the tokens that institutions are truly betting on—because, as he says, they document everything they do. The smart money roadmap is there for you to follow! *Key topics covered:* Institutional adoption of crypto and the effects on the market How to identify which coins and projects institutions are backing The critical difference between coins like Bitcoin, Ethereum, XRP, and Solana The importance of reviewing official documents and ETF filings How you can avoid being “dumb money” by following documented investment trends Smash that like button if you want more deep dives into the intersection of Wall Street and Web3. Leave your questions or thoughts in the comments and don’t forget to subscribe so you never miss future clips! *Referenced in this clip:* Swift, World Economic Forum, Citibank, State Street, BlackRock, Vanguard, Bank of International Settlements, Federal Reserve, IMF, European Central Bank EY & Coinbase Institutional Investor Survey #CryptoInvesting #InstitutionalMoney #Bitcoin #Ethereum #XRP #Solana #EYL #AustinHaynes #EarnYourLeisure #SmartMoney #CryptoNews #Crypto2024 Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com * Check out Square: https://square.com/go/eyl Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 15 August 2025

Welcome back to EYL! In this insightful clip, special guest Austin Haynes sits down with Rashad and Troy to break down the seismic shifts happening in the crypto and financial markets leading up to 2025—and beyond. Are we seeing the end of the traditional four-year crypto cycle? How will institutional adoption and massive tokenization impact the market? Get ready for a data-packed discussion you won't want to miss! Austin kicks things off by highlighting the unique convergence of a current crypto bull run with evolving global regulations and major institutional moves. Did you know the Federal Reserve adopted ISO 20 or 22 in July, signaling even deeper integration of blockchain technology in mainstream finance? Austin digs into why institutional investors—like pension funds and 401ks—could change the volatility profile of assets like Bitcoin forever. And it's not just about Bitcoin anymore. The conversation takes a futuristic spin as Austin references heavyweight research from State Street, Standard Chartered, Boston Consulting Group, and Citi. Together, they forecast that tokenized assets could reach trillions of dollars in market cap within the next decade. State Street predicts tokenization mass adoption across bonds, commodities, private equity, and real estate in carefully mapped timeframes leading up to 2030 and beyond. Hear why legendary voices like Larry Fink (BlackRock CEO) believe that “all assets will be tokenized”—and see just how big the tokenization wave could get, with an addressable market of $410 trillion, according to recent documentation. The floodgates could truly open once regulatory clarity is achieved, making this a watershed moment for anyone invested or interested in crypto, stocks, or digital assets. Troy helps tie it all together, connecting these forecasts to the cyclical nature of crypto—and asking if these macro shifts will change the game for how we all think about bull runs, Bitcoin, and institutional adoption moving forward. Whether you’re a seasoned investor, an aspiring crypto enthusiast, or just curious about where the future of finance is headed, this is your go-to clip for understanding the forces shaping the market right now. 🔗 Time to re-imagine your portfolio and your perspective!👇 Drop your thoughts, predictions, and questions in the comments. *Hashtags:* #EYL #CryptoBullRun #Tokenization #AustinHaynes #DigitalAssets #CryptoNews #Bitcoin #InstitutionalAdoption #FinanceFuture #BullRun2025 #Blockchain #CryptoMarket #Investing #WealthBuilding Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com * Check out Square: https://square.com/go/eyl Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 11 August 2025

In this special clip of Market Mondays, hosts Rashad Bilal, Troy Millings and Ian Dunlap sit down with the dynamic Ms. Business to dig into the power of branding, vendor success, and maximizing your experience at Invest Fest. If you’re an entrepreneur, small business owner, or looking to make a memorable impression at any marketplace or expo, this is the motivation and guidance you need! Ms. Business shares her real-life branding journey—from starting with a small 10x10 booth at Invest Fest to creating an eye-catching 20x20 experience that had everyone talking. She explains that branding isn’t just about standing out visually, but also about meaningfully connecting with people so you stay top of mind long after the event ends. Discover how Ms. Business developed strategies to attract and engage event attendees through interactive experiences and games, and why her approach shifted this year to focus on helping other vendors succeed. She talks about “taking up real estate in people’s heads,” building genuine relationships, collecting contacts for future growth, and the value of being present—not just for sales, but for laying foundations for lasting business success. You’ll also hear how she and her team are giving back through webinars, on-the-ground support for vendors, and a fun attendee-voted competition that brings even more energy to the event. Plus, Ms. Business reveals her practical advice for new and seasoned vendors: how to prepare for a major expo, strategies for creating meaningful impressions, and why focusing on how you make people feel is the secret to real business impact. For those prepping for Invest Fest or any major networking event, Ms. Business reminds us: “People will forget what you said to them. They will never forget how you made them feel.” Take these insights to heart, whether you’re hosting a booth or just attending. We also get a preview of exclusive educational opportunities, like Ms. Business’s upcoming Entrepreneurs Boardroom seminar on profit generation, tax savings, and long-term wealth building—empowering attendees to do more than just make money, but use their business to build real generational wealth. *If you want to step up your branding game, connect deeply at business events, or learn to make Invest Fest truly count, don’t miss this clip!* --- *Timestamps available upon request.* *Like, comment, and subscribe for more real-world insights on entrepreneurship, branding, and market mastery!* #MarketMondays #InvestFest #Branding #Entrepreneurship #VendorSuccess #BusinessGrowth #Networking #MsBusiness #BusinessAdvice #BuildYourBrand Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com * Check out Square: https://square.com/go/eyl Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 9 August 2025

In this episode of Earn Your Leisure, we sit down with the founders of Curl Girl Collective to unpack the journey behind one of the most iconic cultural celebrations in beauty—Curl Fest. From humble beginnings to national recognition, they share the origin story of their collective and how they built a movement that resonates deeply with the natural hair community. We discuss the business behind hosting large-scale live events, the hidden costs they faced, and the reality of still working full-time jobs while building Curl Fest. The founders open up about how DEI cutbacks and sponsorship losses forced them to pivot, cancel events, and rebuild stronger than ever. They also break down how Curl Fest sets itself apart from other beauty festivals, what it takes to compete in the event space, and the importance of community. We dive into the challenge of access to capital, offers to buy the company, and the need to be intentional with partnerships. This is an essential conversation for entrepreneurs, event organizers, and anyone invested in culture, community, and ownership. Invest Fest Ticket Link: https://investfest.com #EYL #EarnYourLeisure #CurlGirlCollective #CurlFest #BlackEntrepreneurs #BusinessBehindTheBrand #BeautyIndustry #DEI #EventPlanning #NaturalHairMovement #AccessToCapital #BlackOwnedBusiness #CommunityOverEverything #Entrepreneurship #CulturalEvents Our Sponsors: * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 31 July 2025

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

Transcribed - Published: 29 July 2025

In this Market Mondays clip, the hosts dive deep into Netflix’s blockbuster performance this year and debate whether its explosive growth can keep going—or if a stock pullback is on the horizon. Rashad Bilal, Ian Dunlap, and Troy Millings breakdown recent Netflix news: the company’s ad-supported tier is expected to double revenue in 2025, fresh moves into live sports, premium content strategy, and why they remain the clear leader in the streaming space. Ian praises Netflix as the “HBO of our era,” highlighting their dominance and innovative approach, including recent sports deals and content quality that outpaces competitors like Disney, Prime, and Max. Troy explains the recent 5% stock pullback—even after outstanding earnings—and addresses concerns about the stock running up “too high, too fast.” The team discusses the possibility of a stock split as Netflix’s price hovers at all-time highs, and whether now is the right time to buy, hold, or wait for a dip. Key points covered in the clip:*Netflix’s Ad-Supported Growth:* Doubling revenue in the ad tier is a big move—can they triple it over the next few years?*Sports Content Expansion:* Netflix lands big deals, including a new partnership with boxing expert Max Kellerman and major sporting events.*Stock Performance:* Up almost $300 in just a couple of years, with a 52-week high over $1300.*Valuation and Future Prospects:* Should Netflix split its stock? The hosts weigh in on how a split could make shares more accessible and drive investor interest.*Alternatives for Investors:* If Netflix’s price is too high, the hosts suggest looking at ETFs like FDN, which has the largest allocation to Netflix.*Institutional Moves:* Big players like Fidelity and State Street are quietly buying more Netflix. Whether you’re a longtime investor, considering a buy, or just fascinated by how Netflix keeps reinventing itself, this discussion gives you behind-the-scenes insight and actionable takeaways on one of the hottest stocks in the market. Let us know in the comments: Do you think Netflix is due for a split? What’s your strategy for investing in streaming stocks? Don’t forget to subscribe for more Market Mondays insights and hit the notification bell so you never miss a financial deep dive. #MarketMondays #NetflixStock #Investing #StockMarket #StreamingWars #NetflixSplit #FDN #FinanceClip #StocksToWatch #BusinessNews #IanDunlap #RashadBilal #TroyMillings Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 26 July 2025

Get ready for a wild ride as Earn Your Leisure links up with the comedy legends behind the 85 South Show — DC Young Fly, Karlous Miller, and Chico Bean. In this episode, we dive into how they built a cultural movement rooted in authenticity, improvisation, and ownership. From creating Channel 85 to selling out arenas with no scripts, they broke down the business of comedy and how they turned laughs into legacy. We also talked about the deeper stuff — brotherhood, purpose, and pressure. Chico Bean opened up about modern relationships, marriage, and being misunderstood. Karlous shared what he learned from lawsuits, contracts, and industry politics, while DC gave insight into fatherhood and staying grounded in the spotlight. The crew also shared behind-the-scenes moments from the road, including wild tour stories, travel headaches, and the brilliance of their paid content strategy. This episode is a masterclass in how to build something real without selling out. Whether you’re into business, comedy, content creation, or just need a good laugh and a reality check — this one’s for you. Invest Fest Ticket Link: https://investfest.com #85SouthShow #EarnYourLeisure #Channel85 #DCYoungFly #KarlousMiller #ChicoBean #InvestFest #ComedyBusiness #EYL #BlackEntrepreneurs #PodcastGems #LiveShow #BlackMedia #MarriageTalk #RelationshipDebates #IndependentCreators #ContentStrategy Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 24 July 2025

In this clip from Market Mondays, Troy Millings dives deep into why Uber is such a standout opportunity from both a fundamental and strategic perspective. If you’ve been eyeing Uber or wondering what makes it different from the competition, this breakdown is for you! *Key Topics Covered:**Profitability Milestone:* Uber’s journey from initial struggles as a ride-sharing service to achieving sustainable profitability.*Business Transformation:* Beyond ride-sharing, Uber has significantly expanded through Uber Eats, aggressive cost-cutting, and innovative advertising strategies.*Autonomous Vehicles:* The real game changer. Troy unpacks how Uber’s early moves into autonomous driving—especially with their partnership with Waymo—could disrupt the entire transportation economy.*The Middleman Advantage:* Like Amazon, Uber profits by facilitating connections between customers and services, without the high overhead of making vehicles themselves.*Unmatched Scale & Trust:* With over 200 million monthly active users and global infrastructure, Uber has become synonymous with ride-sharing, much like Band-Aid is to adhesive bandages.*Data & Logistics:* Uber’s advanced traffic, routing, and payment systems provide a competitive edge, especially as the autonomous revolution heats up.*Comparing Competitors:* Find out why Lyft and Tesla, despite their strengths, don’t match Uber’s unique network and trust.*Future Growth:* With partnerships in cities like Austin, Atlanta, and upcoming expansions to Philadelphia and New York, Uber’s upside over the next few years looks extremely promising. Troy explains how removing driver costs through automation could further boost Uber’s revenue model and why their already-established infrastructure and trust put them miles ahead of the competition. Whether you’re an investor looking for the next big thing or curious about how innovation is reshaping transportation, this clip packs critical insights! *Catch all the important highlights and why you might want to keep Uber on your watch list.* --- If you enjoy our deep dives into market movers and strategic business analysis, make sure to like, subscribe, and hit the bell for all future clips! #Uber #Investing #MarketMondays #StockMarket #AutonomousVehicles #Waymo #UberEats #BusinessAnalysis #TechStocks #GrowthStocks #TroyMillings Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 21 July 2025

In this insightful Market Mondays clip, hosts Troy Millings and Ian Dunlap break down why now might be the greatest era for investing—and it’s far from just talk. They revisit their own journeys, from buying Bitcoin at $5,000 (when people doubted it would ever be worth more) to witnessing its meteoric rise to $122,000. If you’ve ever wondered whether you’ve missed the boat on crypto or if owning assets still holds promise, this discussion gives you real-life examples and clear perspectives. Troy shares what it felt like investing early in Bitcoin, facing skepticism at every price milestone. Ian highlights the critical role of institutional backing (think: BlackRock, Vanguard) in bolstering Bitcoin’s stability compared to years past, reducing those scary price swings we used to see. The conversation expands to smart strategies: Is there still upside in Bitcoin? What about leveraged plays like MicroStrategy, or using options to accelerate those returns? Troy explains how, even if you missed the 10,000% runs of early crypto, there are still creative ways to capture growth—if you understand your risk tolerance. Ian weighs in with practical cautions, too, highlighting the risks if the market takes a downturn and why timing and risk management still matter. Whether you’re an experienced investor or just starting to wonder if it’s “too late” to get involved in crypto or stocks, this clip is packed with the honest, data-backed analysis Market Mondays is known for. Plus, you’ll pick up actionable insights on leveraging new vehicles (like Bitcoin ETFs and MicroStrategy options plays) that might help you boost your returns—if you do your homework. Don’t miss out on this direct, no-nonsense look at the current investment landscape. Make sure to like, comment your thoughts or questions, and subscribe for more real-talk finance content! *Hashtags:* #Bitcoin #CryptoInvesting #MarketMondays #MicroStrategy #Investing101 #FinancialFreedom #AssetOwnership #CryptoGrowth #InstitutionalInvesting #WealthBuilding Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 19 July 2025

In this insightful clip from EYL, host Rashad Bilal sits down with music industry legend David Banner to break down how big corporations take over independent brands and reshape entire industries—including hip hop and music. Banner and Rashad dive deep into the legendary Beats by Dre/Apple acquisition and uncover how companies often "buy to shelf"—buying a successful brand only to suppress it and eliminate competition. David Banner shares game-changing stories from his own journey, revealing how major labels and corporations systematically absorbed independent artists, distributors, and even mom-and-pop record stores to achieve near-total control. Banner reflects on how independent success used to be possible through solid distribution and creativity, but the system changed dramatically when large entities started buying out every level of the music business. This discussion goes further, exploring how the transition to streaming has impacted artists' earnings—comparing the $10 per album model to today's "fractions of a penny" per stream. Banner calls out the psychological tactics used by major labels, echoing Swizz Beatz’s insight from Harvard: giving artists the illusion of ownership (like offering their own sub-labels), while the real power and profits remain with the parent company. The clip is packed with hard-hitting truths on:The real effects of corporate buyouts in both tech and music How independent artists and distribution channels were targeted and taken out Why streaming hasn’t truly benefited artists, and how the business side keeps creatives dependent The psychology behind labels granting fake "ownership" to keep artists satisfied Lessons from industry icons like Snoop Dogg and Slim Thug on regrets and the best routes for longevity If you care about music, business, or want to understand the machinery behind the scenes, you don’t want to miss this one. Banner’s raw honesty and Rashad’s sharp questions make this a must-watch for anyone trying to navigate business or creative industries in the age of big money. *Watch, learn, and join the conversation—drop your thoughts below!* #EYL #DavidBanner #MusicBusiness #BeatsByDre #Apple #HipHop #Streaming #IndependentArtists #BusinessGame #Ownership #CorporateTakeover #EYLClip #Entrepreneurship Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 16 July 2025

In this insightful Market Mondays clip, host Rashad Bilal sits down with Pastor Jamal Bryant, a renowned leader in theology who’s made major waves in business activism. Pastor Bryant breaks down the reasoning and strategies behind the massive boycott of Target—a movement that’s become the largest Black-led boycott in 70 years. Discover why Target became the focal point after 14 Fortune 500 companies backed away from their DEI (Diversity, Equity, and Inclusion) commitments following Donald Trump’s inauguration. Pastor Bryant reveals staggering stats, such as Black consumers spending $12 million a day at Target, and how the company’s $2 billion pledge to support Black businesses was abandoned. He details the four clear demands made to Target, from investing in Black banks, partnering with HBCUs, fulfilling their George Floyd commitment, to rewriting their DEI blueprint to offer real pathways to executive leadership for Black professionals. Learn how these efforts have already created real market shifts: Target’s valuation dropped by $12 billion, its stock fell from $145 to $93, foot traffic is down by nearly 8%, and the CEO's salary was slashed by 42%. Pastor Bryant illustrates the power of cooperative economics and the need for creating and redirecting financial influence within the Black community. Whether you’re interested in social activism, business strategy, or the intersection of community power and corporate accountability, you don’t want to miss this clip! *Hashtags:* #MarketMondays #TargetBoycott #JamalBryant #DEI #BlackBusiness #HBCU #GeorgeFloyd #EconomicEmpowerment #CooperativeEconomics #BusinessActivism #MarketMondaysClip --- Tune in, learn the facts, and discover how strategic activism is driving real change on today’s Market Mondays. Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 15 July 2025

In this insightful Market Mondays clip, hosts Rashad Bilal, Troy Millings, and crypto analyst Ian Dunlap dive deep into Palantir’s remarkable 78% surge year-to-date and discuss the company’s massive new $795 million federal contract. Is Palantir destined to be the next Nvidia, or is its trajectory more like Tesla’s pre-Elon era? Ian breaks down why Palantir is catching fire and sets bold target prices—predicting a year-end valuation of $158 and a three-year goal of $235.57. Troy adds perspective on defense tech’s future and the potential for Palantir to reach a $1 trillion market cap, even if its use case differs from Nvidia’s. Shifting gears, the crew explores smart crypto portfolio strategies for 2024 and beyond. Ian argues the classic 60/40 bond-equity split is obsolete—he now advises allocating at least 20% of your portfolio to major cryptocurrencies, alongside gold and equities. Hear why historical returns make a compelling case for a bigger Bitcoin position, and get perspective on market cycles and realistic pullback expectations. Whether you’re curious about AI defense stocks, crypto allocation, or where volatile markets are heading next, this clip delivers actionable insights from the voices you trust. If you’re ready for sharp analysis, future-focused stock picks, and a candid discussion about how to navigate wealth-building amid market shake-ups, don’t miss this Market Mondays clip! *#Palantir #Nvidia #Tesla #MarketMondays #Cryptocurrency #Bitcoin #Investing #StockMarket #AI #DefenseTech #PortfolioStrategy #Crypto2024* Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 12 July 2025

This week on Earn Your Leisure, we sit down with the legendary David Banner for one of the most raw, thought-provoking, and inspiring conversations we’ve ever had. From building a studio in his van while homeless to negotiating Gatorade deals and launching a three-state distribution network, Banner breaks down his journey from Mississippi to mogul. He opens up about writing his first contract, navigating taxes, battling depression, and losing millions as an activist — all while staying true to his vision and purpose. We also dive deep into race, culture, and responsibility. From comparing the music industry to the plantation system, to his controversial views on integration, to the influence of modern music on our communities — this episode is a masterclass in business, leadership, and self-awareness. Plus, we hear powerful moments about fatherhood, faith, and the high cost of being a visionary. Invest Fest Ticket Link: https://investfest.com #DavidBanner #EarnYourLeisure #EYL #MusicIndustry #Activism #BlackExcellence #HipHopBusiness #CulturalLeadership #Entrepreneurship #SwizzBeatz #SnoopDogg #IndependentArtists #Depression #Visionary #RacialJustice #Integration #Taxes #FinancialFreedom #Parenting #FaithAndPurpose #Mississippi #EYLNetwork Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 10 July 2025

In this thought-provoking clip from Market Mondays, renowned futurist and entrepreneur 19 Keys sits down with Ian Dunlap for an intimate, no-holds-barred discussion about the role of artificial intelligence in our culture and economic future. Is AI a threat to cultural identity and prosperity, or could it be a tool for empowerment and resilience? The conversation digs deep into the duality of technology and the mindset required to navigate the fast-evolving digital landscape. 19 Keys emphasizes that imagination is humanity’s greatest strength, setting us apart and enabling us to shape the future. He challenges the popular narrative rooted in negative collective memories and urges the community to reframe their relationship with technology—not to fear it, but to master it with intention and creativity. According to 19 Keys, the real asset in this new era isn’t just time—it’s cognition. The quality of your thinking and capacity for adaptation have become the ultimate KPIs, especially in a world where AI is a “Messianic digital figure” for many. The clip touches on the MIT report warning about “cognitive debt” from overusing AI, highlighting that mindlessly relying on tech decreases your long-term memory and problem-solving skills. 19 Keys shares his disciplined approach: thinking independently before consulting AI, constantly questioning its output, and focusing on sustained neurological growth—neuro-adaptation—rather than just short-term memory boosts. He underscores the importance of rituals like journaling, reflection, and taking action on insights, explaining that optimal results come from human + AI synergy, not from blindly following algorithms. If you want insights into safeguarding your cognitive wellness and using AI as a lever for success—without losing your sense of self—this clip is a must-watch. *Tune in and join the conversation on how we can consciously shape the future of our culture, economy, and minds.* ---*Hashtags:*#MarketMondays #19Keys #IanDunlap #ArtificialIntelligence #AIFuture #Cognition #DigitalWellness #BlackExcellence #Futurism #CultureAndTech #AIEthics #DigitalResilience #PersonalDevelopment Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 8 July 2025

In this can't-miss clip of Market Mondays, hosts Rashad Bilal, Troy Millings, and Ian Dunlap dive deep into the fierce competition between the world's biggest tech companies. Is Apple's reign over as the industry's top dog coming to an end, or can Cupertino make a comeback? The hosts break down who might overtake Apple in market capitalization, what Apple needs to do to avoid falling behind, and which companies are nipping at its heels. Ian highlights the critical importance of Apple investing in AI and warns that without significant moves—like partnering with leaders in AI or blockchain—Apple could slip even further down the rankings, possibly to fifth place by 2030. The guys discuss heavyweights like Google (Meta), Amazon, Microsoft, Nvidia, and Saudi Aramco, analyzing each company's strategies and advantages. Troy emphasizes how automation and cloud services, especially Amazon’s AWS, are transforming profit margins and growth potential in the tech world. But it’s not just about the winners at the top! The hosts also tackle a fan question about how to spot when a stock is simply “dead” versus when it’s a hidden gem ready to bounce back—using Robinhood, Zoom, and Zillow as prime examples. Ian shares his investing philosophy: instead of focusing on dead charts, look for companies with great fundamentals and management, and don’t miss those moments to load up on quality shares during a downturn. Whether you’re trading daily or building your long-term portfolio, this Market Mondays clip is packed with insights on: The current top 10 companies by market cap What’s holding Apple back—and what could help it surge ahead Why AI and cloud computing are game-changers Tactical investing tips for identifying true opportunities Plus, enjoy some classic Market Mondays banter and gems you won’t hear anywhere else. Don’t forget to hit the like button, share the video, and check out Invest Fest deals mentioned by the hosts! *Hashtags:* #MarketMondays #Apple #Nvidia #Google #Amazon #TechStocks #Investing #AI #StockMarket #Clip #InvestFest #StockTips #FinancialEducation Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 6 July 2025

In this episode of Earn Your Leisure, we sit down with hip hop media pioneer Ralph McDaniels, creator of Video Music Box. He shares how he built the show like a mixtape, maintained full creative control, and gave artists like Nas their first shot in front of the camera. We explore the golden era of music videos, MTV’s impact, and whether Suge Knight gets enough credit for shaping the industry. Ralph also responds to Dr. Umar’s critiques of hip hop and discusses the genre’s lasting power to connect people worldwide. From stories about DMX, Kanye, and Drake, to thoughts on New York’s musical influence and threats like Project 2025, this episode is full of game, history, and cultural insight. Tap in. Invest Fest Ticket Link: https://investfest.com #RalphMcDaniels #VideoMusicBox #Nas #HipHopHistory #SugeKnight #MTV #KanyeWest #Drake #Project2025 #EarnYourLeisure #EYL #DMX #BlackExcellence Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 3 July 2025

Welcome to another insightful Market Mondays clip! In this discussion, Ian Dunlap, Troy Millings, and Rashad Bilal break down the major players driving the surge in defense technology and the moral dilemmas facing investors today. This week, we focus on Meta, Palantir, and OpenAI—three giants shaping not just the tech world but the future of defense and AI. The hosts address why Meta and Palantir stocks are on the rise, with Meta’s Mark Zuckerberg rumored to be cozying up to political power, and Palantir increasingly seen as a force in modern warfare scenarios. There’s also talk about OpenAI’s potential as a future public market player and how Anduril, another defense tech company not yet publicly traded, is pushing the boundaries of the industry. Ian, Troy, and Rashad explore the shift in Silicon Valley, where defense tech has gone from “antiquated” to trendy, with CEOs turning into celebrities—and wars discussed not just as tragedies, but as investment opportunities. They dive into why RTX (Raytheon Technologies) has outpaced other traditional defense stocks and discuss how the IPO market is heating up for these types of companies. But with these meteoric rises come tough questions. As defense becomes big tech’s next growth sector, is it moral to invest in companies profiting from conflict? The trio comments on the dilemma of investing for growth versus navigating personal and societal ethics. They also touch on the personal stories behind the companies—like how Palmer Luckey’s firing from Meta allegedly for supporting Trump fuels the "revenge story" of Anduril, and what it means for today’s business and political climate. If you’re interested in the intersection of tech, war, and Wall Street, this clip is for you. Discover how the investment landscape is changing, which companies are set to skyrocket, and why defense tech is no longer operating in the shadows. *Key Topics in this Clip:*Meta, Palantir & OpenAI: What’s driving their dominance?Why traditional defense stocks like Raytheon aren’t moving as expectedEmerging companies (like Anduril) and their potential IPOsThe celebrity CEOs of defense tech and the mainstreaming of warMoral dilemmas: investing for profit vs. personal ethics in defense techBehind the business: Palmer Luckey, Mark Zuckerberg & political power moves Join the conversation with Ian, Troy, and Rashad as they challenge you to think about your role—and your responsibility—as an investor in today’s volatile world. *Don’t forget to like, subscribe, and let us know your thoughts in the comments!* #MarketMondays #DefenseTech #Palantir #Meta #OpenAI #Anduril #Investing #TechStocks #AI #WallStreet #MoralInvesting #IPO #Finance #WarEconomy Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 29 June 2025

In this episode of Earn Your Leisure, Kirk Franklin and Norman Gyamfi sit down for a powerful conversation that bridges faith, culture, and business. They share the story of how their partnership began and why their mission goes far beyond music. Norman reveals how a lack of marketing in the gospel industry motivated him to get involved, and he breaks down the business behind Insignia Assets. Kirk opens up about his past experiences working with family and friends, and the hard lessons he learned from signing a bad record deal. Together, they explore the current state of gospel music—its struggles with cultural relevance, outdated record structures, and slow adaptation to streaming. Kirk and Norman reflect on whether today’s generation is searching for a new kind of spirituality and whether the church is meeting them where they are. They discuss the impact of artificial intelligence on music and faith, questioning if technology could ever replace real authenticity or even spiritual leadership. The conversation goes deep on themes of judgment, power, and how the Black church has both uplifted and, at times, weaponized religion. Kirk questions whether being held to a higher standard has truly benefited him, while Norman reminds us why we should never lose hope in humanity. This episode is raw, honest, and necessary for anyone thinking critically about the intersection of faith, leadership, and legacy. Invest Fest Ticket Link: https://investfest.com #EarnYourLeisure #KirkFranklin #NormanGyamfi #GospelMusic #FaithAndBusiness #ChristianityToday #BlackChurch #MusicIndustry #Entrepreneurship #Spirituality #CulturalRelevance #EYL Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 26 June 2025

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

Transcribed - Published: 25 June 2025

In this clip from Market Mondays, hosts Troy Millings, Rashad Bilal, and Ian Dunlap tackle the burning question on every tech investor’s mind: Is it time to sell Apple stock? With Apple’s latest WWDC leaving many underwhelmed and AI innovation seemingly lagging behind major competitors like Microsoft, OpenAI, Google, and Meta, the crew dives deep into what's next for one of the world’s most valuable companies. Ian Dunlap doesn’t pull any punches, calling this year’s WWDC the “most disappointing in the last 15 years” and sets a bold ultimatum—if Apple doesn’t deliver significant AI development by 2026, he’ll recommend liquidating all Apple positions. With Apple three months in the red and missing key opportunities in the AI race, the discussion turns to real concerns about their innovation culture and leadership under Tim Cook. The hosts debate whether Apple’s rumored features like “liquid glass” are true innovation or just signs that they’re out of touch with the current tech landscape. Is Apple’s massive $130 billion cash reserve enough to let them play catch-up, or has leadership missed too many strategic chances? The conversation gets candid about how the company missed out on big partnerships and acquisitions—including possibilities with OpenAI and DJI. Troy and Rashad bring counterpoints, questioning if Apple’s war chest could still secure its spot in AI’s future, or if the era of “reactive” rather than “proactive” innovation has put them irreversibly behind. They also examine how other companies—like Canva, Meta and Anthropic—are now making bigger AI leaps than Apple, and what that signals for investors. Should Tim Cook step aside for new leadership? Is it too late for Apple to reclaim its innovative edge? And if you’re considering selling Apple stock, where should you move your money next? Get the harsh truth, plus a look at what’s happening at the upper management level that could be holding Apple back from real breakthroughs. Whether you’re a tech investor, Apple fan, or concerned shareholder, this clip is packed with unfiltered insights and actionable perspectives on Apple’s future in AI. *Watch now to find out if it’s time to cash out or hold on. Don’t miss the debate that could shape your portfolio decisions for 2025!* #MarketMondays #AppleStock #AI #TechInvesting #WWDC2024 #TimCook #Innovation #Microsoft #Meta #OpenAI #AppleAI #Investing #StockMarket Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 23 June 2025

In this special episode, we sit down with Matt Garland to talk about what it takes to become a real estate professional in today’s market. We break down creative house hacking strategies, smart financing options, and new wealth-building opportunities in real estate. Plus, Rashad shares what he learned firsthand during his trip to China — including how to source high-quality home materials directly from the source and save thousands on your next real estate project. Whether you’re a first-time investor or seasoned homeowner, this episode is packed with gems you don’t want to miss. Invest Fest Ticket Link: https://investfest.com #RealEstate #HouseHacking #WealthBuilding #ChinaSourcing #RealEstateInvesting #EarnYourLeisure #MGTheMortgageGuy #HouseFlipping #HomeDesign #InteriorSourcing #RashadBilal #EYL #FinancialFreedom #RealEstateTips Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 20 June 2025

In this eye-opening clip of *Black Out with Ian & Rashad*, Rashad Bilal shares his first impressions from his trip to China, diving deep into cultural differences, the cost of living, and the systems that shape global wealth disparities. Ian Dunlap joins in to unpack how America’s capitalist design compares—and why our views on prosperity, inflation, and opportunity are often based on manufactured realities. Rashad breaks down the striking differences he noticed in China: Low noise pollution and a calm public demeanor, a stark contrast to the fast-paced, loud culture he’s used to in Manhattan. The pace of daily life, where people aren’t in a constant rush, and mid-day breaks are the norm. Affordable living costs, like rent as low as $175 for a one-bedroom apartment—compared to skyrocketing U.S. prices. Technological advances and a booming electric vehicle industry, with 20 EV companies innovating at lightning speed. The vibrant African community in Fu Shuang, driven by international business and trade. Ian and Rashad then dive deeper, connecting the dots between global economics and the impact of outsourcing, inflation, and “greedy capitalism.” How are America’s financial structures forcing unnecessary inflation? Why does our middle class struggle while other countries provide affordable, efficient lifestyles? And what does it mean for the future if we don’t adapt? You’ll also hear personal anecdotes about the real cost of luxury goods, the everyday stress faced by Americans, and why the search for a better quality of life might take us beyond the borders of the U.S. This candid conversation will change the way you think about international living, financial systems, and what it really means to “make it.” *If this conversation sparks your interest, make sure to catch the full Market Mondays breakdown next week!* Don’t forget to like, subscribe, and hit the bell so you never miss a clip from *Black Out with Ian & Rashad*. *#ChinaExperience #CostOfLiving #GlobalWealth #Capitalism #BlackOutPodcast #IanDunlap #RashadBilal #InternationalLiving #WealthDisparity #FinancialFreedom #MarketMondays* Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 17 June 2025

In this powerful Market Mondays clip, host Troy Millings and guest Paul Judge break down exactly where new graduates, investors, and entrepreneurs should direct their focus in today’s rapidly evolving business world—especially as artificial intelligence (AI) transforms every sector. Paul Judge demystifies the best approach for thriving in tech: focus less on flashy technology and more on solving real, valuable problems that businesses are willing to pay for. Drawing from his own experience, Paul explains why success often comes from understanding the three core business layers—IT infrastructure, finance, and people. *IT Infrastructure:* Discover how the shift from the cloud to AI and agentic IT is creating huge opportunities for innovation in cybersecurity and enterprise software. *Finance:* Learn why embedded finance and open banking are now major arenas for anyone looking to capitalize on the globalization of money movement and fintech disruption. *People & Healthcare:* As AI reshapes the future of work, upskilling, retraining, and healthcare tech are more relevant than ever. There are massive inefficiencies waiting to be solved in the $4 trillion healthcare industry. Paul’s advice? Identify a pressing business problem, solve it for one customer, then scale and grow. The tech itself is just a tool—the real key is delivering value and repeatable results. Whether you’re a recent graduate, a tech investor, or an entrepreneur aiming to build the next big thing, this clip gives you a practical playbook for making smarter moves in a world changed by AI and digital transformation. 🔔 *Don’t miss out on our Market Mondays insights—hit subscribe and stay ahead of the curve!* #MarketMondays #Investing #AI #Entrepreneurship #Finance #Fintech #BusinessStrategy #Cybersecurity #HealthcareTech #TechCareers #BusinessGrowth Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 12 June 2025

In this clip from EYL, special guest Kelis shares her incredible journey of building a farm from the ground up in Kenya, offering invaluable insights for anyone curious about agriculture as a business opportunity. She dives into the realities of land acquisition, the true profitability of farming, and why Kenya presents unique advantages compared to places like California or Texas. Kelis discusses her experience navigating land deals, revealing how prices can vary dramatically depending on factors like proximity to main roads and the deep cultural value of heritage land. If you've ever wondered if land in Kenya can be as affordable as in some US states, she breaks it all down—including why sometimes a small plot can be just as pricey as a full acre. The conversation shifts to the profitable side of farming, specifically how crops like onions are in high demand due to local supply needs. Kelis offers real numbers, explaining how an $11,000 investment in a five-acre onion farm can yield $30,000–$35,000 per quarter, highlighting agriculture as a practical, lucrative business with plenty of room for growth. But farming isn’t just about buying land and planting seeds—there’s a whole operational side involving irrigation systems, workforce, pest control, and fencing. Kelis talks about the complex technology and manpower that goes into a successful farm, debunking the myth that farming is old-fashioned or low-tech. She emphasizes the value of local expertise, sharing stories of how Kenyan agronomists and horticulturists have supported her every step of the way. One of the biggest surprises for Kelis was the incredible generosity and support from the Kenyan community. She explains how locals are always willing to offer advice, share best practices, and genuinely want newcomers to succeed in their farming ventures. These connections have been crucial to her progress, making an otherwise daunting endeavor feel accessible and welcoming. The clip also touches on practical challenges, from dealing with droughts and pests to installing a borehole (a specialized well system) for consistent irrigation—something that requires technical knowledge and upfront investment but ensures long-term farm sustainability. She offers tips on what to check before buying land, such as the importance of geological surveys to guarantee water access. Lastly, Kelis highlights the unique ecosystem of Kenyan farms, including encounters with wildlife like hyenas and giraffes, and underscores the importance of working with nature rather than against it—a lesson she’s applying as she grows her farm in a way that maintains the local environment. If you’re considering investing in agriculture, dreaming of a farm in Africa, or just interested in real-world entrepreneurship outside the typical business world, this clip is packed with practical advice, motivation, and fascinating stories straight from the source. *Don’t forget to like, comment, and subscribe for more insightful conversations and entrepreneurial journeys!* #FarmingInKenya #AgricultureBusiness #EYL #FarmToTable #LandInvestment #Entrepreneurship #AfricanFarming #Kelis #KenyaAgriculture #BusinessOpportunities #SustainableFarming #OnionFarming #FarmLife #BuildingAFarm #InvestmentAfrica Our Sponsors: * Check out PNC Bank: https://www.pnc.com * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 11 June 2025

In this powerful Market Mondays clip, we dive deep into the extraordinary entrepreneurial journey of Magic Johnson—a legend whose business moves have made just as much impact as his sports legacy. Inspired by a stellar Instagram video, the crew takes time to break down why Magic’s story is full of valuable lessons every aspiring entrepreneur should hear. Hear directly from a clip of Magic Johnson as he shares his struggles and triumphs in accessing capital: from being rejected by banks, to finally securing funding from CalPERS after proving his business acumen with a massive profit flip on a shopping center in the inner city. This pivotal moment opened doors for Magic, leading to his historic partnership with Starbucks—despite early skepticism that minority communities would pay “$3 for a cup of coffee.” The Market Mondays team discusses how Magic’s foresight and courage revolutionized inner city communities: he brought both movie theaters and coffee shops to places others ignored, proving how recognizing cultural needs can lead to incredible success. Magic’s journey is highlighted as a case study in scalability, business intuition, and breaking through barriers in corporate America. Get inspired by Magic’s evolution from sports icon to entrepreneur, as he transitions from selling successful portfolios, acquiring real estate, to owning major stakes in sports teams like the LA Dodgers and the Washington Commanders. The hosts remind us that Magic's business empire was built step by step—scratching and clawing, never relying on just one big break. This clip also lays out important messages for black entrepreneurs: Don’t let anyone convince you that there isn’t money or opportunity in serving underrepresented communities. Major companies like Target and Nike face challenges for ignoring this market, proof that authenticity and cultural relevance are key to business longevity. Tune in as Market Mondays celebrates Magic Johnson as one of the top black billionaires in U.S. history and calls for more recognition of living legends. Let’s learn, get inspired, and remember to give our superheroes their flowers while they’re here. *Don’t forget to like, subscribe, and share if you found value in this discussion. Got someone in business you’d like us to highlight next month? Drop a comment below!* --- *Hashtags:* #MarketMondays #MagicJohnson #Entrepreneurship #BlackExcellence #BusinessInspiration #CulturalLeadership #BillionaireBlueprint #InnerCitySuccess #AccessToCapital #RepresentationMatters #Starbucks #BusinessClip #BusinessLeadership #LearnFromLegends Our Sponsors: * Check out Progressive: https://www.progressive.com Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 7 June 2025

On this powerful episode of Earn Your Leisure, we sit down with Grammy-nominated artist and entrepreneur Kelis, who opens up about her bold decision to leave America and build a new life in Kenya. She shares why she purchased 150 acres of farmland, how she navigated land ownership as a foreigner, and what it really costs to run a profitable farm in Africa. Kelis also breaks down her investment strategy in Africa, the benefits of hiring local talent, the mortgage system in Kenya, and her upcoming luxury wellness retreat. From tech innovation to raising children with AI-powered education, this episode is packed with insights on wealth building, sustainability, and why Africa is the future for serious investors. Link to Invest Fest: https://investfest.com http://FEEDTHEPPL.COM #EarnYourLeisure #Kelis #InvestInAfrica #Kenya #FarmingInAfrica #BlackWealth #LandOwnership #SustainableFarming #EYL #Entrepreneurship #WellnessRetreat #AfricaIsNow Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 5 June 2025

In this insightful clip from Market Mondays, Rashad Bilal, Ian Dunlap, and Troy Millings break down one of the most disruptive tech deals of 2024—OpenAI’s $6.5 billion purchase of Johnny Ive’s design company IO. This landmark acquisition signals a major shift in the race for consumer AI devices and puts the future of Apple, the iPhone, and the wider tech ecosystem in the spotlight. The hosts discuss what this means for the tech giants, questioning if the Apple-led era of hardware innovation is waning. Ian Dunlap argues that the “FANG” days are over, and highlights how OpenAI’s move—combining Johnny Ive’s legendary Apple design pedigree with cutting-edge AI—is set to challenge not just Apple, but also the likes of Amazon and Google. Is this the birth of a new artificial intelligence-powered product that could redefine how we interact with technology and make the iPhone obsolete? Troy Millings runs through Johnny Ive’s historic impact on Apple, from creating the iMac, iPod, iPhone, iPad and Apple Watch, to reshaping iOS itself. The team reflects on how Apple’s culture might be holding it back from more revolutionary moves, especially as consumer habits begin to shift away from traditional hardware towards integrated AI experiences. Rashad Bilal expands on what IO brings to the table: a design firm focused on intuitive, screenless, AI-enabled consumer devices, potentially ushering in an era where everyone has a personal AI assistant for daily tasks and life management. The group ponders whether Apple’s leadership—with Tim Cook at the helm—has lost its innovative edge, and discusses if it’s time for a new vision at the top. The conversation also dives into Apple’s global manufacturing strategy amid US-China trade tensions and potential tariffs, and how that could impact Apple’s bottom line and positioning in the international marketplace. Highlights include:Detailed analysis of OpenAI’s acquisition of IO and what it means for the future of smart devicesA look back at Johnny Ive’s transformative contributions to Apple’s product lineThe risks and opportunities facing Apple as the tech landscape shifts toward AIDiscussion of Apple’s leadership, culture, innovation challenges, and massive cash reservesInsights on US trade policy, tariffs, and the practicalities of moving manufacturing away from ChinaPredictions for both Apple and OpenAI’s future in the global tech hierarchy Don’t miss this deep dive into the crossroads between AI, design, and the next wave of technology! *Drop your thoughts in the comments: Is Apple falling behind? Can OpenAI and Johnny Ive really reinvent the future of tech?* —#MarketMondays #OpenAI #Apple #JohnnyIve #AI #TechNews #iPhone #TimCook #ArtificialIntelligence #Microsoft #Design #Innovation #Tariffs #FutureTech #Investing #Stocks Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 3 June 2025

In this insightful clip, Ian Dunlap, Rashad Bilal, and Troy Millings dive deep into the current state of the US housing market as 30-year mortgage rates soar to 7.5%—levels not seen in decades. The conversation kicks off with pressing questions: Are we witnessing the early stages of a housing affordability crisis? What does this mean for homebuyers, sellers, and the broader economy? Ian discusses the broader bond market issues, including the recent U.S. Treasury auction struggles and the looming $5 trillion interest payment Americans might face over the next decade. Troy highlights how rising rates, stagnant wages, and mounting personal and institutional debt are making home ownership less attainable, especially for incoming buyers and younger generations. The group also touches on the impact of student loan debt returning from deferment, adding to the financial strains many Americans already face. Rashad brings practical advice to the table, sharing his personal experience with a cash-out refinance on an investment property. He breaks down how you can leverage auction properties, increase their value, and use cash-out refi strategies to scale a real estate portfolio, even in today’s high-rate environment. The team also discusses the importance of maintaining good credit and the role of financial education in navigating these challenging times. Whether you’re an aspiring homebuyer, a real estate investor, or just trying to make sense of the headlines, this clip offers invaluable perspectives and tips to help you position yourself for success. *Key Topics Covered:* The impact of 7.5% mortgage rates on housing affordability Challenges in the bond market and implications for the U.S. economy Supply and demand issues in the housing market The effect of student loan and credit card debt on homeownership Practical strategies for real estate investment, including cash-out refinancing The ongoing need for financial and credit education Don’t forget to like, comment, and subscribe for more real-world financial insights! *#MortgageRates #HousingCrisis #RealEstateInvesting #CashOutRefi #FinancialEducation #CreditTips #MarketInsights #Homebuyers #InterestRates #PersonalFinance* Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Transcribed - Published: 31 May 2025

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