321- Modern Money, No BS with Stoy Hall

We push past basic budgeting and dig into the modern family office, money emotions, and the definition of true wealth, with guest Stoy Hall sharing candid insights and practical steps. We also trace how policy and market games affect real households and how to respond with clarity.

• redefining a family office for real households
• money memories driving adult choices
• using emotion as data in financial planning
• why custom plans stick and templates fail
• systemic barriers and how communities compound them
• true wealth as joy, generosity and experience
• inflation you feel vs reports you read
• tariffs, SNAP, and market manipulation
• retail “buy the dip” vs institutional positioning
• steps to train for opportunity and build guardrails

Follow Stoy Hall at ...

His website

https://www.blackmammoth.com/our-family

Free eBook

https://www.blackmammoth.com/how-to-become-rich-guide

YouTube

https://www.youtube.com/@stoyhall/featured

Facebook

https://www.facebook.com/stoy.hall/

LinkedIn

https://www.linkedin.com/in/stoyhall/

Instagram

https://www.instagram.com/stoyhall/

Pinterest

https://www.pinterest.com/stoyhall/

Threads

https://www.threads.com/@stoyhall

Substack

https://stoyhall.substack.com/

Chapters

• 0:00 Cold Open And Show Framing
• 0:45 Setting Up A Bigger Money Talk
• 2:40 Guest Intro: Stoy Hall’s Story
• 4:07 Why A Modern Family Office
• 6:10 Money And Emotion Are Linked
• 10:48 Audience Noise Vs Real Guidance
• 10:56 Systemic Barriers And DEI Fallout
• 13:53 Community Habits That Block Wealth
• 16:12 First Money Memory Exercise
• 22:18 Host’s Money Memory And Lessons
• 26:54 Defining True Wealth
• 31:28 Culture, Contentment, And Context
• 36:18 Why Financial Plans Must Be Personal
• 42:08 Know Yourself Before You Budget
• 47:12 Politics, SNAP, And Market Manipulation
• 53:52 Inflation, Tariffs, And Delinquencies
• 58:43 Buying Dips And Institutional Games

Transcript

SPEAKER_01: 0:06

Welcome everyone to politically high tech with your host, Elias. For your infotainment, yeah, I'm gonna call it that. Because I like to mix the fun while you're learning. Or I might even upset you some I might even piss you off sometimes. That's okay. You know, I look, I say this, this is not a safe space. If you're high on emotions or ego, I'm happy to break them. I'm just gonna say, like, sometimes I'm too happy. I don't, I don't know. I gotta go to the psych war just to see if I got a problem with there. I seem to enjoy a little too much, but hey, I'm not, don't worry, don't worry, audience. I'm not gonna go too long with this little monologue here, cuz we know we're gonna talk about finance and not just any finance. You know, you heard, you know, save your money in the bank or invest, you know, that typical stuff. No, we we're gonna go beyond that stuff. I'm sure you heard a whole bunch of mumble jumbles. Some financial institutions are good, but some just give you like the the most basic stuff. And if you want to if you want me to brag, I already mastered that when I was seven years old. So for those of you who are more, I don't know, financially disadvantaged, or even you know, minority. I mean, uh look, I don't exclude white people. You can hear this podcast too. Maybe you can share this with someone. This is why I don't have that limiting belief. Oh, I don't want to block these certain people. No, who knows? Maybe you know, there's some whites that are truly woke. Woke in the original definition, not the political definitions. That's garbage. I don't go for that either. I sadly I was kind of I was kind of with the Republicans until they became woke themselves with using anti-Semitism. But we're not gonna get into that. What you talking about the original definition of woke, what woke is supposed to be, you know, beware of the injustices, the biases, you know. It goes even beyond race. It could be like, you know, the weight and all that other stuff, the weight issue, yeah, because they're you know, they've been they're poisoning foods and stuff. So, but don't worry, we're not gonna talk about food here. That's already a couple episodes ago. I'm gonna start doing this more often. And you look, it's not that, look, it's not about being bad and all that. It's just as a guest, I gotta call some of you out. You're not the most respectful people. And I want to just address this right out front. Some of you are not, and some of you've wasted my time. And to be honest, that's a very good way to agitate me. I'm a New Yorker, I want to get things done. I like to go boom, boom, boom, boom, and I'm proud to um embrace my New Yorkness, okay? With that out of the way, let's introduce Stoy Hall. And he's gonna give you, well, he's gonna give you some goodies, goodies, by the way. Yeah, you know, come on, come on, you he can't be a hypocrite now, you know. But we we'll get to that a little later, okay? Before I keep rambling my mouth, what do you want the audience and the viewers to know about you? Introduce yourself.

SPEAKER_00: 3:02

Yeah, absolutely. So Stoy Hall CFP, founder of Black Mammoths, also host of Nobs Wealth Podcast and our 31 collective that we have. My whole bringing up was single white mother, black father, not in a picture, right? That's that's how I started. And I it's sports were my way out. So I ended up playing football at Drake University and got my degree in finance. But I I went to school for money, for finance, but quickly understood that the emotions and human nature come into play a lot with money. More so than one plus one equals two. We all understand that. Now I worked at the Boys and Girls Club for about four and a half years, and that's where I really understood that we have a financial illiteracy issue. Now I think we have more of a financial education issue, which we can go deeper into that if we want. But it now comes down to the fact that people know there's enough information and resources out there. There's enough, you know, politics and we got stuff on TikTok and Instagram. Enough for you to have the information, but you just don't know what to do with it. And you don't know how to instill it into your life because your life is not what you see out in the media. And so I launched Black Mammoth in 2020, during the pandemic, focus on the modern family office. The modern family office approach, we'll dive into it deeper if we want, but it truly is where you come to us and we help you with any part of life. We have the resources around the world to get what needs to be done for you. Now, a lot of you are like, I don't have that much money. Well, that's why we modernized it. The traditional family office is the Rockefellers, is, you know, all of the big names, the Clintons, everybody you've heard of has a family office and they run their entire financial life. They're the ones that buy their planes, they're the ones that do their shopping, set up their travel, all of those decisions. Well, you can do that and you can have that too. And so we've built our modern family office for the minorities, LGBTQ, and women business owners exclusively. Also with the no BS Wealth Podcast, it's no bullshit. Literally bring in no bullshit conversations around money every day. And that's why I love coming on podcasts like this to spew more of that and to show you the truth behind all of it, not just what you see on social media. So, Elias, I appreciate you having me on. And yeah, if we want to dive into politics, I love that side of it too, because it all deals with money at the end of the day. I like it.

SPEAKER_01: 5:21

Yeah, let's dive a little more to modern family. Yeah, I want to, you know, feel free to talk. Talk, take over. This is your path to take over this episode.

SPEAKER_00: 5:29

Yeah, absolutely. Well, the Modern Family Office, really, when you guys think about it, so think about right now, close your eyes and picture what you're doing in your life. You're looking at your budget, your bank account, whether you have money or don't have money, at the end of the day, you're going, I don't know what to do to get ahead. We're all in that same boat. I don't know what to do, what's coming down the pipe. I don't know what to do because SNAP benefits aren't being paid out. I don't know what to do when tax season comes. I've got four kids, Christmas is coming up. All of those questions are what a modern family office is designed to answer and to help you through. Not just like right now when you need it, but six months, 12 months, 18 months. We are planning these things out. You have a question about health insurance, we got you. Investments, we got you. Hey, I want to move from Iowa because it's terrible, to Hawaii, to New York, to France. We got you. I've got legal issues, we've got you. Well, I want to start a business, or my business wants to grow and grow across the globe. We got you. Ultimately, we are your right hand, and we're there to be able to be there for you emotionally, where a lot of people aren't. Money and emotions go hand in hand. And I'm gonna ask you this one. Did you were you raised saying don't make emotional decisions with your money? Elias? Oh, of course. Right? And so I'm there to flip that. We're humans. Every decision we make is emotional. So why are we trying to not be emotional when it comes to our money? And those that don't end up making mistakes. Those that do have money integrained with what they do every day, and that's what you see from a success standpoint. So that's what a modern family office does. Can we go deeper? Yeah, I mean, there's a lot of documents we could talk about, but ultimately we are here for you in every part of your life. That way you're not sitting there going, man, I'm alone in this, and no one can understand what I'm going through. We do. We've seen it, we research it, we've been through it, we have an experience for you.

SPEAKER_01: 7:21

Look at that. Come on. That was a good, good, I mean, wide range of services right there. Come on, people. If you're struggling, look, you don't have to do this alone. Yeah, I get it. And you point a lot of good points. The misinformation, the constant noises on social media, we internalize it and we start projecting what we know just based on social media. Well, newsflash, such a few Gen Zs and the alphas, and sadly the older millennials want to act like children. I'm a millennial, by the way. So yes, I don't mind bashing my own generation there. Social media doesn't teach you everything. If you think short clips, it's gonna teach you complex things. If I'm gonna be kind, I will call you silly. If I'm gonna be mean, I'll call you stupid. It depends on my mood. Yeah, and look, I love to say I don't have emo emotions and all that, but I'll be lying to you. I don't I like to sound logical and cold to scare people. Yes, I like to do that. But I got emotions just like you. Unfortunately, I got a beating heart, not an electronic battery. That's just programmed just to go and execute. That's it. No reason, no context. Fulfill the command, okay? And you're right. And that's the thing. And to be honest, this is why I've been currently embracing. Yeah, the emotions are not the worst thing, you know. And let me just talk about the gender part a little bit. Men have funny relationships with emotions. Let's be clear. Women embrace them a lot more. That's a fact. I'm learning how to get along with them, if you will. But I'm not gonna talk about me too much, but it's a bit just I'm just proving this point further. It's not just I like to be logical, unbiased, thinking that emotions are involved, they are involved. Rat even when you suppress them, they're just deep in there waiting to erupt at some point. You don't know when, and it's gonna be scary when it erupts. I I actually agree. I'm learning something too. Just because I'm the host, the host hat doesn't mean I know everything. Okay, and I always like to emphasize that. And well, some of you think I know nothing. You know, some of you go to the opposite ends. Okay, I know something now. I'm not gonna beat myself, I'm not gonna beat me up that much now. Come on now. I'll still say some of the comment sections. Oh you're wrong, you're wrong, wrong, wrong, wrong, wrong. That's cute. That's cute. How I'm wrong. That, you know, you gotta be more thoughtful in your comments, people. That's I'm calling you out, those of you in the comment section, because you say I'm wrong. Some of you point it out, and I say, okay, I agree. That was misinformation. Congrats. I mean, to be a true fight of misinformation, you sometimes have to accept that you're the unintentional source of it. So that's what I'm gonna say. But uh, you know, let me I'm gonna stop right there. I know I said a lot, a lot of good stuff, but I want to stop right there because I want you to level up your financial game in the way this should have been taught. This is very 21st century. This is not economics 1990s or even earlier, okay? Those were different times, they were simpler in general. We gotta operate like we're in the 21st century. Stop. Yeah, stop using 1980s, 1950s tactics to 2025. I think that's a problem a lot of America. Nutrition, finance, so much subjects. So much subjects. We gotta get you gotta get it together, America. I mean, come on. I love you, America. I'm a tough lover, but you gotta get it together. All right, that's what I'm gonna say. Alright, anything else you want to add before I get to my next question? No, go ahead. Hit me, hit me. All right, so let's navigate, because we talked a little bit um prior to the recording off air, about how we're gonna navigate diversity and adversity with a financial system, because you can see last statistics, blacks, you know, the LGBTQ, women, I think even though women are doing better, they're they continue to make strides on that. I want to acknowledge that as well. But the system is um against them because they still think and operate to some degree, I'm gonna be a little nice because some are modernizing, as a traditional family. How can they generally navigate through this of these financial hurdles that are unintentionally or intentionally set up against them? That's up to you if you want to debate that.

SPEAKER_00: 11:33

Yeah. I I mean it was in it's been intentional. Has it been trying to be broken down? Absolutely. But you know, we we go back to the system. Was it built intentionally? Yes, it was. It wasn't built for women, right? Even when the blacks decided, hey, yeah, we're gonna get out of this until subminging happens, right? So it has the red line, you name it, it's been built against. All right, let's be real. Now, did we try to catch up? Yeah, we try to have DEI, but DEI got always portrayed as a race issue, and it wasn't a race issue, right? And that's why it's gone now, too. So it's a system built against, well, will be the majority very soon, and it's been built against us. The problem is one, the system's built wrong. Two, we allowed the system to take advantage of us more and more and more and more again. And the reason for that is I don't know, but I do know growing up as a black man in America, instead of helping each other get smarter, build the next building, get the next business going, we just want to pull each other down, right? Whether that's in the drug game, whether you name it, we're pulling each other down, not helping each other up. And I will promise this and I will guarantee this. I don't guarantee a lot of things because one, the SEC would be up my ass, two, because I don't think it's everything's guaranteeable. This is wealthy people help each other get more wealthy. That's it. That's all they do. Their friends and their circles keep getting more and more rich because they're helping each other. Anyone middle, probably top middle class, maybe middle middle class, all the way down to poverty, do the exact opposite. We're not there to help each other out. We're there to pull each other down and say, hey, why don't why don't you help me out in my business? Or my best, my favorite one for business owners, you guys will get a kick out of this one, is your friend comes to you, you sell a widget service, doesn't matter. And they're like, hey, what about what about a friends and family discount? Why, why should I have to discount to my friends and family? Why? Why are you asking for a reach out? All you're doing is pull my business down and spending more of my resources. So ultimately, yes, system, bad, but we have not helped our child ourselves out. And that is the bigger issue, in my opinion. One, there's not very many black CFPs out there. So good luck. There's not a lot of minority CFPs or even women. And so even the ones that are in position to help, you guys don't hear us. You don't see us. You see the ones on social media, the ones that are gonna flaunt. Guess what? They're usually not your minority women, LGBTQ or black men. We're not the ones out there flaunting our boats, our yachts, our fancy cars and everything. But that's what you see, and that's what you engage with, which means the algorithm's gonna feed you more of that shit. And that's at the end of the day, what is causing our bigger issues. Now, back to all of that. Okay, it's our fault, it's the system's fault. What can we do right now, today, listening to kind of try to heal that and move forward? One, answer this question for yourself. What is your first money memory? What do you remember from that first thing about money? Mine was, I was about nine, 10 years old, finally made my first, I don't know, like$5. And I wanted to take my mom to get an ice cream cone from McDonald's. Okay. My treat, I wanted to provide for. She's provided for me up until then. And I go to McDonald's and I come out and my friend scares me and I crush it and I drop it on the ground. It hurts me to this day the fact that I could not provide for my mother because it was my only money I had for that ice cream cone. I couldn't go get another one. Now, is it because, and is it a big deal? Did McDonald's and them give me a free one? Yeah, but that's not the point. The point was what I bought, what I wanted to give my mother with my own money was ruined, and I didn't have enough to go back in and get another one for her. And to this day, I don't let that happen. If I can buy one thing, I can buy it again. Or at least I can figure out a way to buy it at some point. Credit, loan, you name it. Because I want to make sure I'm not in that point. What has that done to me with my money relationship growing up? Well, it's been it's been tough, right? Because that means I don't want to spend on things. I wore the same clothes and the same shoes for years. I drove the same shitty car for a very long time because that wasn't a priority for me. What was a priority was providing food and stuff like that, my time, etc. I didn't get all those fancy things. To this day, my wife still forces me to go buy clothes and buy me buy clothes. She buys the clothes and I just tell them if I like her or not. I like them or not. So I have trauma. I know I have trauma. I do this every day. I think about money and other people's trauma daily to get better. But you don't. You're still stuck in that eight-year-old body with whatever trauma you went through. And now you're an adult as an eight-year-old with money. It's not working, right? It's not working. So I just task you with this today is just think about that money memory and then connect it with what truly brings you joy in life today. And is that experiences? Is that a Gucci bang? What the hell is it? But figure that out and you can start to heal and move forward.

SPEAKER_01: 16:21

Listeners and viewers, this is a serious, mature common activity. Answer that question to the comments. Answer that. What is your first money memory? Was it positive? Was it traumatic? Let's be real. You remember the traumatic ones more than the positive ones. I remember my first positive money memory is where I was able to actually almost do the opposite. Buy my family somewhere. They were dead broke. I saved$200. Like I said, this is me really bragging now, but I could back it up. Seven years old.$200. Almost unheard of. I just save money. I just saved money. But but but there were there is a negative component to it. So don't worry, I'm gonna make it as mixed as possible. But I'm gonna get the happy part out of the way. I was able to get my family food that they need for that day. There is a however, a part of me said, Well, as a kid like me, I have my family these things, they should have been more responsible with that. I just started developing this cynical and self-reliant attitude that I gotta save my own money, I gotta do this. I even develop secretive habits of not telling people stuff unless they really, really, really need it. And I set money aside for emergencies. So yeah, that shaped me. But that's just to tell you something. So I don't know if it's the happiest memory, but I say it's a mixed memory. Because yeah, I was able to save my family, but I said, come on, freaking like seven years old, and yeah, you can call me an asshole if you want. I I I won't argue against that for this in this case I won't. Come on, my parents are supposed to provide for me. I'm a freaking seven-year-old kid. And I think starting then, I just start stop trusting people less and less and less. And when it comes to money, oh, you better have a perfect sales picture. Cause if I find one little thing wrong with it, I'm gonna say this kindly to you. Fuck you, you ain't getting shit. And I almost knock a self salesperson down. So I started, but it's a balancing act. I'm learning it through because yeah, you be generous, help family, well, you also gotta help yourself. So that's the balancing act for me, right there. So that's the point of that. That the balancing act is not always easy. Because yeah, even my stupid older brother who should be better than me with money. But no, my mom told me a secret. No, you you're the smartest kid when it comes to money. Because what do my two brothers do? They spending on toys and stuff. Purely emotional, purely, but that's normal. I'm not the normal one there. I saved money. I was already saving money because I already saw some of the poverty and stuff. But then, you know, I just started questioning things. Look, I'm not asking you to praise me or even criticize me. You could do both. I really don't care. This that this is my money story. It's a mixed money memory because I remember internalizing these things. I said, This is ironic. I'm the kid that helped the family out when they were not doing so well. I was a here. They rejected at first, but they needed the money. I was a here, here, here, here. But I'm happy I was on one day, but it but it revealed something to me. And I think, and not I think, I know for a fact that carry me through to some extent even to this day. Because yeah, money is a lot more psychological and emotional than you would you would like to admit. Come look at the stock market. Something bad happens, woo, goes down. It doesn't have to affect them up directly, which is bad news. The stock market is shaking, it's very psychological. If it was logical, it would have gone down if it affected them directly, or I don't know, someone stole the money or something, but it it could be like a I don't know, oil spill, but yeah, a lot of stocks go downhill. Or, you know, Donald Trump saying crazy stuff. Well, that was a little different. That might that that's actually a good reason to act crazy. Forget that one. But oil spill, you know, health products. I don't know, but we do need oil for a lot of things. So, okay, fine. I actually got a better one. A hair salon. No, actually no, stock markets don't care about hairs. Trying to find a very good one. Yeah, let's stick to oil spill, right? Let's stick to oil. I give up. We're gonna stick to oil spill, okay? Companies that have nothing to do with oil, even their stocks go down a bit. Well, they recover, yeah. But it takes time to recover. It recovers little by little. Oh well, it comes to a plunge. Ooh, it goes down real, really fast. Nice free fall. And it's gonna take some time to recover, okay? So that's my money memory. And it's a mixed one. So judge me all you like. This is the uncensored version. Feel free to put that in the comment section. But if you're brave, reveal your money story. I don't need all the tea, we don't need all the details. I'll tell you that much. That you'll deal with them once you go to you know to the Martha family services. I don't need those details. Just give a general story. So, you know. That's all I'm gonna say about that. You know, I think this is a nice tie-in of you know what? Let's define true. Actually, have anything else you want to add before I get to that? Okay, so let's define true wealth. What does that mean? Does it go beyond possession? Is it mindset? Is it health?

SPEAKER_00: 21:30

Yeah, so this one I love talking about all the time because it's one I fight in my industry damn near Twitter every day about this conversation. We've been built to think that wealth equals money, right? Everyone thinks that. When I say wealth, you think money. You think I gotta have a lot of money. It's not the truth. Okay. True wealth is being able to live a happy, fulfilling life, giving back to others where you see fit and having those life experiences that bring you joy. Now, does it take money to get some of that? Yeah, yeah, absolutely. But it's not because I have$10 million sitting in the bank that I'm wealthy. It's because I'm able to use that$10 million sitting in the bank to provide for others, to give back, to live life the way I want, to fly my family to Hawaii, whatever the hell it is. That's true wealth. And what where I learned true wealth was in 2011 when we went over to Tanzania as a football team and we get off the buses and they're celebrating. By the way, these boys can jump 40, 60 inches, I swear. Just up and down. Like you need to go play basketball, you make a lot of money. Um, we go through the the villages and the women are sweeping mud floors. Okay, obviously they live in mud huts. Mud floors it is, but they're sweeping it and they're taking care of it. While we were there for two weeks, I started to realize that they they have true wealth. They're happy, they're content of what they got. Now, do they want more? Absolutely, we all do. But they're not over there fighting each other for it or pulling each other down and getting in the comment section and calls and all this issues because they're not happy with themselves. They're happy with themselves. They just don't like the situation they're in. That's cool. I can get behind that. But it's when you, personally, which is your true wealth, are fat and out of shape, bad medical history, not wanting to care, not wanting to move forward and start attacking others, that's when it becomes really nasty and dirty and the shit happens in the world. So true wealth, living a joyful, happy life, being able to give back to others and live life experiences the way you want to, while using money as the tool to achieve those, but not having money be the end result of what makes you truly wealthy. And that's what true wealthy means.

SPEAKER_01: 23:36

Okay, now I'm gonna uh encourage the trolls here for a second. Do you want to challenge that? You wanna challenge that? You wanna say true, you know, true wealth is Kim Kardashian lifestyle with her abundant ass. Yeah, I'm gonna say like that. Or what's that? We gas lips. Yeah. Whatever her name is? Yeah. Come on, now. You wanna say that? I mean, feel free. Like I said, you are entitled to your opinion and your stupidity. What you're not entitled to is the truth. And remember, YouTube censors you. So if you wanna be a little patient, wait to get on Rumble to be spicy, do that if I was you. But if you're so impatient, go on YouTube, risk it all. It's your choice at the end of the day. Okay? That's all I'm gonna say. I mean, look, I don't mind disagreements. I I can handle disagreements. Well, I don't even handle all disrespect. I just ignore it because a lot of y'all have demonstrated you have low IQ or you're miserable and you're actually truly poor and you're experienced sauce. If Stoy would have told me that 20 years ago, I would have been on the troll side. I said, no, well, this Kim Kardashian and you know, Donald Trump and Bill Gates and Elon Musk. That's true wealth. Yeah, you know, I get to just throw money, things go my way. Yeah, telling these people to do things, spread racist message. There, you go, yeah, I can control the world. To me, that's true wealth. But when you become more mature, it's not even a word. Become more self-aware, you become more in tune, especially, you know, we like to avoid talking about the spirit. I don't this podcast doesn't avoid that. If you're good there, and I love that Tanzanian that Tanzanian example, that's such a really good one. I will give like like really hokey corny ones, but I'm gonna take that one. So I'm stealing that one for this episode. And then at future episodes, you're gonna deal with the corny one again, because I'm gonna probably forget about it. And that story's example, by the way. So I'm gonna respect that. Yeah, they're happy. Yeah, they they don't like the situation, but let's flip that around, for example. Imagine those Tanzania is in America, and America's a Tanzania. I think the Americans will lose their shit. Shit. Are you kidding me? Yeah, feel free to add that comment. Let's flip that around.

SPEAKER_00: 25:49

If it if it was the other way around, first of all, there would be some type of civil war. There'd be so much death and violence around in America that it wouldn't even be funny. Don't get me wrong, there is violence and stuff in Tanzania and in Africa in general. Now, you know, that's a whole different thing. But but like if we're talking about America, oh man, it would be a bloodbath. And it would be, you want to talk about race situations, that gap would be even further. It wouldn't even be funny. And the reason for that is because that's all that's the only thing that's really holding us more together, in my opinion, is the fact that we do have money, we do have the capability, and we have this American mindset that we're gonna figure it the fuck out somehow. Not all of us, right? There's there's a lot of people that really suck, but the most of us are gonna figure it out. There's ways for us to move forward to make money, to get ahead, to get our better our lives. If that was flipped the other way, man, one, the Tanzanians would be, I mean, again, they would take America to another degree, in my opinion. But ultimately, if it was flipped for us to be that way, nah. America wouldn't be America anymore. We might as well be one of the third world countries somewhere. I don't even know. Name one. That's what we'd be.

SPEAKER_01: 26:54

Yeah, that's throwing Bangladesh, that's what I'm gonna throw on there. Really poor as hell. Living in the cardboard box. I think a mud a mud house is a little wealthier than that, if you ask me. At least they have a structure. Like cardboard box, just a simple wind, rain. I mean, even just a regular day is sucks, but I don't know. Maybe I would have been one of those Americans getting a pitchfork stick stabbing somebody already. Who knows? Ooh, too graphic for you. Hey, this is uncensored pot. Well, the real uncensors where it's gonna go beyond a paywall, you think this is me being crazy. Ooh. Just you wait once you get behind the paywall. I gotta hurt you somewhere. If you want to hear me go crazy, I need a wallet, okay? I need a wallet because I'm not gonna be canceled yet unless I have enough fuck you money. Okay, then I could care less. And I want to be intentional when I'm controversial. I'll at least have a hidden wise message, you know, kind of like South Park, if you will, if you want to throw that in there. It's wise also very controversial. I can argue with that. That's why I love it. They're not afraid to attack, they're not afraid to to tackle taboo um issues, but we're not gonna talk about South Park um too much here, unless you want to chime in on that. But uh look, listen, I just think America's the way we are, we drugged up, bring out drugs. Um, I was it's even some of the laziness. And some of us are too burnt out, so we're gonna be psychotic either way. Either lazy, we're gonna lose our minds because they're where's Uber? I don't think no Uber. Walk your ass. Run. You better use them feet. Feet don't fail me now. So look, okay, I'm enjoying this a little too much. This this fantasy. Okay, okay, let's get back to reality. Americans are America, the Tanzania is back in Tanzania. Okay, that's it. Uh I like to make these weird scenarios because look, it's interesting. And I just think, yeah, I think it'll become like blood mud, I think, if anything, because of so much death and disruption. I mean, let's be let's be honest. I love America, I do. Oh, but we are violent people, we could get violent. We could get really, really violent. I mean, our history is very violent. We've been more on war than not in our short history. It's a fact. It's a fact. I'm not bashing America. You can say that if you want, you far-right losers. You you could you could say that, but this can be easily backed up. And it will take me for forever to list the sources, so I'm not gonna do that. I'm gonna sign a snoty levy, just just just Google it. Just Google our war history. You'll find so much. It's an easy Google search, or Brave, or whatever other search engine you use. I'm gonna be a little inclusive right there. Okay, you're gonna find stuff a lot of stuff, and you and your brain's gonna be it's gonna turn too mush. That's how wrong you but don't admit that to me, just keep that to yourself, okay? Just just research that it's it's true, it's true. That's both, but yeah, I think if you use that violence to fight evil more properly, we will have been a heroic nation. But let's be real, some of it is stupid, some you know, civil war happened, that was very the worst one ever. And I want to prevent a second civil war to happen because. Because that one's gonna be far more bloodier and we have a lot more people this time. It's not gonna be based on slavery, it's gonna be based on crazy ideologies, both the left and the right. Uh don't want that to happen. And I'm sitting in I'm in the middle, so let's not get into that. I don't want to get into that. And before we get into politics, which I would love to get into that, uh before let's get to the more solution. You know, you come here for the finance people. Let's let's be real. And then and then we can shove in some some politics. Hopefully not too much. What's the I like this one? Cause look, let's be honest, we all have different financial situations. We all was this traditional family, husband, wife, two children. I'm sure they'll have some varying differences, even with that. But come on, there's some that are, you know, you said LGBTQ. I'm sure they got a different financial plan. Or, you know, even um, well, trust me, you've already been profiled in a financial institution. Ray assume you're a black, Latino, white. If you spend a certain way or you save a certain way, I hate to say that. It's actually that's actually on proof of that. I wish it wasn't true to be honest, but uh, but I had a I had to just study that because I like challenging myself, even though sometimes it makes it drives me crazy. I wish it happened. Yeah, wish this was non-existent, but that's that's sadly not true. Oh, you Arabic, if you spend a lot of halal, you know, great stereotype by the way. But why should we have why why is it so important to have a customized financial planning? Besides, you know, everyone has different lives, different priorities, some have children, some want to do vacations. I mean, why is this so important?

SPEAKER_00: 31:38

Besides what you just said, is because we're all fucking different. Everything we do is different. And then guess what? We we mature, we grow up, we we become better adults, we we we change. If you can't change and your plan isn't allowed to be flexible or isn't designed around you and what brings you joy, you're not gonna follow it. Okay? I use this analogy all the time. I I played collegiate football, so like training to me was always very important. We trained for eight months a year at 5, 6 a.m. And then we played opportunity to have 11 football games. We knew what was on our schedule and what was coming down the pipe, and we were training hard for it. In life, we don't know when opportunities are gonna come, yet we don't train for it. And then we think, oh, well, they're just lucky. No, they trained and were prepared for an opportunity to hit them in the mouth. You are lazy and not looking for those opportunities. Okay. Everyone, it's it's gonna be, you know, the first of the year first coming up, right? Got a couple months until that happens. I don't know when that's gonna come out. But, anyways, we all have New Year's resolutions, we all want to lose weight. Get on a fitness plan. Guess what? You don't really want that. And you know how I know? Because by March, you guys cancel all of your damn subscriptions. You don't do anything, you go right back to where you were because it has not aligned to who you are. You just want to be skinnier. You just want to look a certain way. But truly, you as a person don't know who the hell you are yet. And so if you don't know who you are, then you can't train and prepare for an opportunity to come down the pipe at all. And that's where we sit as America, right? And we'll get to politics soon. But where we sit right now, majority of Americans are not planning their life around themselves because they don't know who they are. They think they are whoever they see on TikTok and Instagram and all that. And I want you to know that those people are fake. I've had clients, I know their financials don't please don't think what they put out there is real. It just stars there. Second, because you don't know who you are, then you think, hey, I can do whatever that next hot thing that pops up on Twitter or TikTok is. And so you do it, but you don't know how it fits your life, and then it fails or it succeeds, but you don't know how to deal the next step, and then it fails. And then you come back and say, well, they must have been fake. They didn't know what they're talking about. And then you don't, you blame someone else again, having worked on yourself. Then you take that next step forward. And again, every time you do this, you're losing money, you're losing faith, and you're getting more and more away from who you are. And you cannot move forward until that happens. So to have a customizable plan starts with knowing who the hell you are. That's how we start. My first question to every prospective client is what I said earlier. What's your first money memory? My next is how'd that make you feel? Next is, what brings you joy? Like truly, what brings you joy in life? To me, it's making sure my boys can play sports, I can be around for all of them, food and traveling. Cool. What do we need to do to make sure that your decisions fit that? Then, only then can I create a plan, a budget, uh where the money goes type situation. And if you skip all that first stuff, which takes time, just like your diet, just like that, you know, little workout you decide to do on the on one one, it goes away because it doesn't fit who you are. And you're trying to change something that you're not ready to change. And so that's why it's so important to have a customizable plan and to focus on it for you and yourself. Because if I for me and for you right now, two different things, right? We're both podcast hosts. That's cool, right? You live in New York, I live in Iowa. Our cost of living could not be probably more opposite, right? So I own a house with a nice yard in the suburbs. That might not work out for you, right? It might cost 10 times what it does there. So how the hell could we have the same plan? I can put away more in my 401k because I don't have as much cost of living as you. However, it might be cheaper for you to eat because you're in a bigger population and it costs more here, right? It's different and it has to be different. But you need to know who you are, where you're at, and where you want to go. Otherwise, that plan won't stick.

SPEAKER_01: 35:29

All right. This is again an egg on the trolls. You want to challenge that? Do you want to do you really want to challenge? I mean, that is so profound. And I didn't want to bring him here not just because look, I don't care if I'm considered woke or not to you. I could give less of a damn. I just want to show you organically, there are minorities that are excelling and thriving. And this is me. I look, I want organic natural diversity. That's just my ultimate goal. This is a mixed race person, I got some Latinos, I'm white, even a little bit black. Once I dig into my thing, I'm like freaking mudded dash with some Sasson in there. Okay? I I'm a mixed breed, so but I'm not gonna play this oh, black victim, white always privilege. You know, there's some truth to that. Don't get me wrong. There is some truth to that. But you have an opportunity to do better. There are options out here. I don't want you staying in the victim mindset. Look, I get it. Look, I used to have a oh, you would talk to me as a teenager, you would have thought I was like the great victim. I don't have the strongest victim mindset. Oh, my life sucks. Oh, you know, I'm not uh, you know, I was strong physically, but I didn't look strong. Oh, I'm such a such a nerdy guy, I'm so weak, I'm so this, God doesn't exist. I mean, I could give you so much negative examples, okay? But there are options for you, and now this is just one of them, and this is why this is a side goal. Um I'm at some point I'm gonna make this a main goal. Bring more minorities that are succeeding it, so you can too. I know some of you want proof. I understand it. I'm a skeptic by nature, I completely understand that. I'm not a famous oh, why? What do you mean you need proof? What the hell's wrong? Can you just take my word for it? No, I'm not that kind of person. I got you. Look it up, boom. Try this person out. Yeah, I mean, look, is it hard for minorities? In some cases, yeah, I mean sure. I wish I was in Idaho right now. But as in New York, ooh, is it expensive? I mean, I call this a large cardboard box where I'm at. I would tell you though. And that's yeah, pretty expensive. You're just lucky to get a nice little condo in New York, okay? And or if you're really, really blessed. And I mean, look, you gotta be hopeful too. I think to the point that you're almost delusional. Don't become delusional. I think to the point that you're almost delusional, like flirting with that delusional borderline, okay, in your mind. Don't become delusional to the point that, oh, okay, if I sleep tomorrow, I become a trillionaire. I'm not tomorrow, that kind of delusion. We all know what's gonna happen next. Okay? Look, don't fool yourself like that. But it's true, it's very psychological. It's very, very psychological. And look, financial institutions are not gonna tell you that they're gonna treat you like it's just a simple mathematics, you just break it down like this 50% for necessities, and I think what 30% 20% for entertainment, 30% on savings. That's basic finance. If luck, I have to talk a little financial class, so I know what I'm talking about. And don't don't label me as a financial expert. Hell no, no, don't do that now. No, no, that's your disclaimer. Elias is not a financial expert. Period, okay? Just period. Just no, no, no, let's not do that. Look, Story has a lot more credibility than me, and I'm not gonna debate him on financial planning. Politics, maybe, but not financial planners. Okay, I'm just gonna take the words for oh, I didn't think of it this way. Take the money memory. Who axed that? Most of just gotta you got a budget, yeah, it's systemic, it's you know, they treat like everybody is the same. A single man, single woman, gay couple with 20 children, very unlikely, but let's just throw that in there. Biracial couple with one disabled child. That's all gonna be different. That's all gonna be different, okay? Or I don't know, a frat house. Yeah, let's just get crazy. Let's throw a frat house in there. Oh, they're all gonna spend on liquor, drinks, and all that, not enough on the house. Let's just be stereotypical there. And that's gonna be a different financial plan, okay? I think they need the most work, but that's just my opinion. Uh, I could be wrong and I'll live. I'll be just fine. I won't die if I'm wrong, okay? So look, I like this. Check his stuff out. Come on. For sure. He knows everyone is as unique as their freaking DNA. I didn't want to say that, but you know I was getting that.

unknown: 40:02

Yep.

SPEAKER_01: 40:03

So, alright, this is, I mean, people gotta check him out. Come on. He's ready, he's ready giving you truly no bullshit conversation here. Can you disagree? Maybe emotionally, yeah. Probably bringing some good points, but at least it's authentic. That's why like I don't want no yes person. And I I could just say, oh, Story, can I get like a million-dollar budget right now, even though only coming in with 10 grand? Hell no. No, exactly. So if he would have said yes today, I said, oh no, he ain't credible. He's not credible right there. This is just a simple, idiotic question that is delusional to the 100th power, okay? So yeah, I mean it's illogical. And comment section, don't act like you know everything. You act like you know everything. But some of you have very low IQ. I take I can tell you that that much based on how you comment. Some of you. But my loyal listeners, you're fantastic. Even those that disagree with me, you're fantastic at least. At least you're you know, you come up with Dave Cole. Look, I'm I got thick skin both figuratively and literally. So if you come up with creative installs, I'll laugh at them even if it's at my expense. So that's a good one. I have a great sense of humor. So people say I should even be a comedian. I don't know, it's gonna blow up my ego. I tend to make people laugh naturally, you know, but that's up to you. That's up to you if you think that or not. I might try one day, who knows? 2026, maybe, maybe 2027, definitely. Okay? We'll see. We'll see. I I'm not gonna I'm not gonna send myself up for failure just yet. I definitely gotta practice what the comedians are doing, okay? The more successful. I know they got code materials and things like that, but okay, you didn't come listen to my crazy future comedian or hypothetical comedian journey, okay? I'm a podcaster, I tend to make people laugh, so people see wisdom and comedy. Um, I like to do both because look, if people just looking at me like I'm spewing a bunch of intelligent stuff, they can absorb. They're not gonna absorb shit. Delts are worse than children at that. Because they're gonna filter out how can it help me? How is this relevant? The kids just okay. Blank space. That's all about kids. Kids, you're awesome. Adults, I love you. Well, you're complicated. Okay, that's all I'm gonna say. But well, once I get them, it's rewarding. So, now to the politics. And what's the issue? What's our financial issue? Race about Snap, you know, it snapped. It ain't working right now for a lot of the the country, but this is what I think. And Fiffer disagree. I think red states are the ones that are gonna be hit even harder. Well, New York State, I could say they got a backup plan. Um, I don't know about all the blue states, but I said New York does. Um, because they they said they have a backup plan for Snap. A lot of red states. I don't know. And that doesn't include um Idaho. That's uh that's a Republican state, maybe except for their one city. I forget their city's name. I know. That's the elitist of me. Shame on me. I know, I know, I know, I know. That's okay. I'll live. You you could talk shit in the comment section. You that's your 1A, okay? I mean, what's your opinion on that?

SPEAKER_00: 43:05

Yeah, you're not wrong. If we follow the money with it, ultimately, blue states provide the most money to federal benefits anyway. The red states are using them all. They actually are a net negative in terms of providing tax dollars back. So follow the money, yeah, absolutely. Every red state's gonna hit get hit harder, and even more so than what's going on. Then you throw in the fact that there's no workers in the farms, which is uh an issue that's gonna hit us even harder. We are sitting at the most mortgage delinquencies, the most credit card delinquencies, and the most car auto loan delinquencies that we've ever had in record highs, right? We've got inflation, which I don't think when I say inflation, although we can't see the reports because the government's fucking shut down. When I say inflation, I don't mean what the report they give you. I mean when you go to the grocery store and you went to go buy something and you went, that's more expensive. That's inflation. That type of inflation is still high and it's still hitting us harder. You couple that with the fact that they're turning student loans back on. We've got tariffs that haven't fully hit us yet either. They will this come, well, actually it's November, so it's gonna come real soon. Okay. You add all of this crap. What what do we all think is gonna happen? Right. And I don't mean I'm not here to scare everybody. I'm here to be truthful of where I follow the money, right? I'm not the politic thing with Elias in terms of probably the policy itself. I follow it because of the money and what the decisions are being made behind where the money is going. And I will tell you, every event that has happened, every time we talk about a tariff, every time we get rid of a tariff, every time we put a tariff on, anytime we say we're gonna get rid of snap benefits, every time we can put it back on, there are trades being made and people are making hundreds of millions of dollars every time, and we can see it. We are tracking it every time. So to say that the stock market's doing that and everyone's like, oh yeah, I'm making all this money in my stock market, you're being manipulated and you're being used. And at the end of the day, what is happening is today was a dip day. Retail's gonna buy the dip. We did it in 2020. We keep now doing it, we keep buying the dip, keep buying the dip while institutions are selling and getting better positioned. What happens when this thing crashes, say 20, 30%? They're gonna be positioned to buy up your shares when you sell them at 20 or 30% loss. They're there for you to hold the bag and they're gonna buy it cheap and then it's gonna bounce back and they're gonna make all that money. You're gonna be left with nothing. Well, hopefully you have some gains over the last five years, but you're gonna be left with nothing. And that's both politically driven and emotionally driven. And the problem of where we're living in society right now is people think they can do this thing alone, but also want to rely on the government for things, but then not rely on the government for things and feel as if they can make their own decisions or not. You're being manipulated. This thing is being driven in a way for the ultra wealthy, specifically a few of them, to make a lot of money and we can see it happening in lifetime. If Elias was to tell me he owns a company that has a stock and says, hey, Stoy, by the way, we're about to do this deal tomorrow. Go buy some stock. You're gonna make a lot of money on it. I would go to federal prison for making that trade. So would Elias for insider trading. Our politicians can do it. They're legally doing it right now. Our president can do it. All of his rich cronies are doing it. So you tell me where it's the same and it's fair. Or it's our government's looking out for our best interests. It's not happening. It's not happening. And it comes all the way down to the snap benefits, which will have people dying if it doesn't get through by Thanksgiving. So you guys tell me where you're at with that. That's yes, it's politics. Yes, it's red, blue. I'm an independent as well. But you tell me where that's good for our humanity and for our human rights when we have people dying because our government's manipulating us.

SPEAKER_01: 46:49

Oof, all I gotta say is this. Look, feel free to argue against that if you're willing. I don't think you will, because you know you're feeling it one way or another. And this is just a pain on minor scale right now, and it's just gonna get worse and worse and worse. I don't do this to scare you, but I'd rather you be prepared for the worse than just giving you fantastical lies, Disney level lies. I give you mushrooms, all your problems go away. Come on. I would love to do that. I'm sure I wish that was the case. Forget it. I don't need to listen to Stoy. He's driving me crazy with that negative crap. You see my mushroom, he's gone, all the problems are gone with it. Wish it was that easy, like a click of a button. It ain't no, it ain't, but he's right though. Nah, now I'm be serious now. He is right, okay? Yeah. This is why I respect a couple of politicians, both the left and the right, pushing for inside, you know, trading stock ban. I'm for it a hundred percent. But it ain't gonna pass because 80% politicians are saying, hell no, I'm not making enough money. Fuck you. No, this this government check ain't enough. You know, they make decent money. Look, I can give you open sources, I can give you getting financially tracked, whether they like it or not. At least at least we got that information. Thank God for that. Imagine that was secretive. Oh, forget it. We won't be able to expose most of this unless an idiot just opened it big mouth and then it opened investigation. But yeah, no, some of them, yeah, a lot of them, they are trading. I mean, look, I attacked Pelosi, I've attacked McConnell, but the ones making a crap ton of money is the president himself. Okay, he's making million. I mean, he's making more money than he lost in the first term. I mean, he's on track for that. I I'm not sure if he did. Yeah, I gotta double check on that, but he's making bank for the cool kids. He's making money for the traditional audience. He's making millions, millions. Let's get definitely hit billions. Okay, yeah, billions. Okay, while people were struggling. People could only barely put two things in their shopping cart. Back then, people used to fill shopping carts easily. Now only one, one, two, maybe at that's five things in a shopping cart. People just getting the bare essentials. Where's the wealth going, people? It's not towards the poor and the middle class. And and I want to emphasize this point that I that you said very well. Yeah, the middle class is tearing each other down. It's competition, it's a rat race. Okay, I wanna take I want to snitch on story to the boss because he's trying to do trying to make some side money. He's not supposed to do that. A company policy says this, he's in trouble. Instead of just, you know, me and him being wealthy, oh yeah, about that stock. Oh yeah, oh yeah, do you see where you heard about that? Yeah, yeah. Let's invest in this stock, man. This is gonna be the future. No, no, not not that, not that dinosaur coin thing. Yeah, we can sell like it's the future for the for the idiots that are gonna buy it and then sell it, and then that's why I don't trust cryptocurrency. Well, especially with celebrity supporting then. You you are just dying. You you know, just burn your money, just do that because you're doing the same thing. Okay? That's why look, cryptocurrency is risky. Some people's got wealthy off it, but saying it's a it's a death trap, but you have to be aware of how volatile it is. And you know, before I was against crypto, now I'm just eh, I got like a small account with crypto, it's making some money. But you know, but but the thing is, look, we me and him doing stock trade, yeah, we'd be we'd be in prison. We will be in prison. But these politicians could get away with it, and they are already making bank with their regular salaries, plus stock trades, some some making millions of dollars. Donald Trump says he has a business background, and if you want to be generous, he's making a lot of money, okay? Just you know. Anything else you want to add, Stoy? I feel like I'm talking too much.

SPEAKER_00: 50:40

No, no, that was it. I mean, I wanted to get that point out. It's a conversation I've been having. I've been doing it in my newsletter and stuff too, is is that I I want I want people to understand what's truly going on. And not to just blindly be okay with what's happening to get themselves ready for what's about to happen. I mean, it's gonna happen. It's just natural, it's just being propped up in a way that's not so that that's what I wanted to talk about. I mean, at some point, I'd love to get back on and talk more policy. There's some policies that are coming out that I think are are are will be whack if they get passed, and that will cause a lot of bigger issues, but that's what I wanted to say. So I appreciate you allowing me to do so.

SPEAKER_01: 51:16

Oh, yeah, no, no problem. I want to get you on for a while. Look, it was here. We're no longer playing email tag alcohol it. Back and forth, back and forth. But hey, I'm happy it happened at this time. Hey, things they are meant to be, some things ain't meant to be, right? But me as an impatient person, just I'm learning, except that hey, let's work on this, you know, this maybe next time. And look, this is this this is a bad habit be in New York. You get impatient because it's very fast-paced. You damn New York. I don't buy yeah, no, yeah, we're don't be very fast-paced. We gotta don't be nope, ABC. No, if you're slowing us by three seconds, we're already about to get agitated. Because we're fast when we've got to go, go, go. There's a lot of things we gotta do. Our schedules are crazy. Sometimes it's filled with bullshit. Don't get me wrong. It's gonna be filled with product, productive things and bullshit. A little bit of the mix, whatever, depends on the person. Yeah, but we we're on the go. And yeah, that's that's my impatient. It definitely bred for being a beating. But I'm still all a problem, New Yorker, at least for now, until I probably move and probably want to go somewhere where uh I could definitely get me owls, the car, no problems. Just I don't know, scrape and buy, because hey, New York is uh is very expensive, you know, parts of California too, very expensive. But a lot of these red states, yeah, they're cheap for a reason. But you know, they're other expensive gotta think about car, gas. I doubt property tax. You want to correct me there? Expensive. No. Yeah, that's another convoluted thing. Maybe yeah, maybe Texas is the one that's I'll say it's pretty expensive for a big red state. Hey, a lot of people going there. Hey, real estate, you know, real estate people not still when they see a lot of people going there. Ooh, that goes up. Look at Florida. Florida, very expensive now, because a lot of people move there. And and they surpassed New York in population. Okay, so and even House representative seats as well. So that's why I don't follow the crowd. No let the crowd suck up the expense of you, dimwits. I'll go somewhere else. I'll go somewhere else where it's not as popular. Yep. Don't follow the crowd, people. That's all I'm gonna say. That's my only one quote unquote financial advice. Follow the crowd. You know, don't listen to the news that much because they'll tell you to do the exact opposite, you become poorer and more miserable. Anything you want to add before we do the shameless plug-in and wrap up? No, let's shameless plug it. All right, people. Just visit the Black Mammoth, all right, the Modern Family Office. And he has a free e-book as well. I want to give you two sites the site and the free ebook. Come on. Come on, come on, some goodies there, some free goodies. Uh, there's been some guests that's giving some free goodies, okay? He's not the only one, and he won't be the last. Go check him out, okay? Go go support a minority who's really trying to outwit the system. One person or family at a time, okay? And look, and you don't have to be a traditional couple, wife, husband, couple of kids, looks out for women, LGBTQ. There it is right there. Okay, and he understands we live in the 21st century, not 1950. Okay? He understands that. Give him a try. I really encourage you to give him a try. I mean, he's intelligent, definitely authentic, and look, he answers my questions really, really well. It's even hard for me to challenge around the spot. There's some guess I can challenge around with the spot. I'm like, mmm, but no, he's he's on point, people. Like the cool kid say, he's on point. Yeah, he knows what he's talking about, okay? Yeah, join the black mammoth. Mammoth.com. Okay? Do not spell black and mammoth. Okay, then I'm gonna embarrass you here. E L A C K. Then let's spell mammoth. Maybe hard for some of you. M-A-M-M-O-T-H. Okay. Dot com. I'm not spelling dot com for you. You can't. Look, it'll be a link in the description if you're just a visual person, if you can't spell it, okay? I always do that. Alright, and anything else? Oh, the podcast. Let me not forget that because he's a podcaster as well. The no BS Wealth podcast. Check him out. Okay. Check it out. Okay, and I'm definitely gonna be following that on really soon. I already heard a few episodes. I was already almost hooked. I was almost too hooked at a country like it was a good drug. I had to step back a little bit. There was some good stuff, but really check it out. It's really good. It's truly no BS, okay? Just like this conversation was completely, it was boy, we're anti-bullshit, that's for sure. May disagree, but at least it's coming from a genuine place, and to me that's more than good enough. It's okay. Disagreement does not equal hate, and that's one thing I say a lot. It doesn't equal hate, it's just just think of ideas fighting instead of people, okay? And sometimes they may merge together. Let's be honest, sometimes one smacks it down. Okay, that's that's just life, and you know, and sometimes we just modify based on the other side, because oh, because oh okay, you brought up a good point. I didn't think about that. Okay, we gotta do that, America. We used to be able to disagree, Democrats, Republicans, instead of just saying, I'm right, you're evil. No, we gotta stop that, people. Okay, we got to stop that for sure. All right, so all those links is gonna be in the description. It's website, the ebook, and the podcast. Really check it out, people. I just don't promote anybody. I think some podcasters are really fake. At best, I only promote them once because they agree to be my show, but I don't really push harder promotion. And those of you that have been great, I'm gonna promote, I'm gonna do like voluntary second sharing, because I just think these people need to be promoted more often. And you people go by emotions. You some of you are not the wisest people, I'm gonna be honest. Okay. Um, and some of them that got five stars with I don't know, a hundred views, I think that's bull crap, in my opinion, okay? But if you got genuine all five stars, because you know, a lot of people love your stuff, great. That's possible too. But again, I don't believe that unless you're kind of forcing people in. That's what I'm gonna say. Anything else you want to add before I do my own shameless plugin?

SPEAKER_00: 57:08

Just appreciate you having me on. Listeners, reach out, comment. It's the only way we can help. Only way I can provide more content and help is if you reach out and and talk to us via our channel. So I appreciate you.

SPEAKER_01: 57:19

Oh, one more thing. I can't believe you almost forgot. He got a crap ton of social media, okay? Crap ton. I mean, almost any you could think of. Literally, I mean, he needs a he needs a link tree at this point. Damn, Daniel. You need that link tree. Look, yeah, Facebook, Twitter, I'm not calling it X. Fuck Elon Musk on that. Twitter, Twitter, Twitter, Pinterest. I forgot that one existed. We know the YouTube, we know the Instagram, we know LinkedIn for the professional folks, TikTok, which I'm slowly beginning to accept before I was anti them. Threads, the most redundant thing in the world. And a substack. Look at that. Woo! The most links. I'm gonna find a way to consolidate all of that. You need a link tree. You need a link tree, because that is a crap ton. But hey, whatever you add, even the most isolated, unpopular ones, he got you. He actually does got you. I don't. I'm more selective. Well, Twitter's gonna be gone, so don't bother following my Twitter page. That's good. I'm gonna take that one down. It's gonna be Instagram, it's gonna be TikTok. Oh, and Blue Sky. I'm gonna try Blue Sky. I want to see if the quote-unquote left-wing version of social media is better than the right. Yep, that's what I'm doing. I try the right wing, TikTok, not a big fan of it. It's a bunch of stupid people, it's overly toxic for no reason, okay? And somebody just love to argue just for the sake of argument. All right. So now for my own show. Like, comment, subscribe, share this with someone who you believe will benefit tremendously, okay? And leave a pod, leave a review at Apple Podcasts, okay? Give me an honest review, okay? Unlike most of them. If you think it's a four-star, give one, give one constructive criticism. Which area should I improve that? If it's a five-star, give a reason why it's a five-star. Not to say it's great. I don't care about it's great or you suck. I ignore those. Have zero value to me at all. I want to grow. Okay, I really want to grow. So give a reason on your Apple Podcast review. If you give it on Spotify, I don't care about Spotify. Spotify's weird. I don't care about them. You leave it there. I'm gonna ignore it. Unless a lot of you start putting it there, and then I'll change your mind. I'm gonna stick to Apple Podcasts for now, okay? I mean you can listen to Spotify, I'm not against it, but just don't expect me, don't expect me to respond very quickly to that, alright? Oh, and another one. Join PodMatch. For those of you who don't got PodMatch, you know how annoying it is to dig through those email threads, especially if you had to revise your stupid one page or your PDF. Well, you gotta go back to your Microsoft Word or PowerPoint edit and then send me another thing. Come on, be smart. Join Pod Match. You could customize your one page, do your edits, safe, refresh, easy, easy. Join PodMatch. Hey, you can link up with guests and hosts. I mean, come on. I you know, I don't care. I'm gonna say like this. It's kind of like dating, but for podcasts and guests. Are we a match? Are we aligned somewhere or not? Well, you might get some feedback. But hey, but they are generally professional people, they're good people for the most part. I just my only thing is a thing, and I say this again pod match. Try to get more minorities in there. You you need to. It's it's very Caucasian dominant. Dominant. That's all I say. Try to do some outreach. I mean, you outreach to me. I mean, that was great. That's why I joined it because all someone never did. Just do outreach for other people. You know, other people doing podcasts, independent voice, okay? Other than that, it's great. Just join it, okay? And then, oh, the free paper. If you want straight to the fact news with no political spin, I got that for you. Free, just click on it. It's a straight read. If you I know you're busy, your long the longest time is gonna take five minutes. If you that's if you read every single section, if you read if you're selective, that's gonna be one or two minutes. They got sports, international news, national news, politics, stocks, what have you. All of it is are there, okay? All of them are there. And oh, the last thing, the coolest one. Free website guys. Ironically, you could give me money for free. You wanna know how? Click on that link. Click on that, especially if you want a website or need a website, join the free guys, okay? All all those links is you mean in the description. It's all the way in the bottom, okay? For my likes. Okay, so that's all I got for you. So whenever you complete this visual or audio journey, you have a blessed day, afternoon, or night.