Latest / The Steve Harvey Morning Show / Hill Harper (2nd Appearance) Full Interview
Transcript
- 0:00Speaker 1: This is Julie Hey calendar, what's my morning like? Julie's
- 0:03Speaker 1: about to have a long day at nine am? Soccer
- 0:06Speaker 1: carpool purchase Birthday Card nine oh five, dry cleaning? Did
- 0:11Speaker 1: you just go backwards? I'm sorry, I can't fit that
- 0:14Speaker 1: question into your schedule for a little bit, for days
- 0:18Speaker 1: that won't end. Let Schwan's help. With Schwan's, you can
- 0:21Speaker 1: get delicious meals that go from freezer to table in minutes,
- 0:24Speaker 1: not hours, ordered, delivered done. That's homemade. Easy. Visit today
- 0:28Speaker 1: at Swan's dot com. My next guest is a good
- 0:32Speaker 1: friend and Uh. In fact, I mentioned to him off
- 0:35Speaker 1: air that every time he called me, my brain has
- 0:37Speaker 1: gotten bigger, and it gets what his brain keeps getting
- 0:39Speaker 1: bigger too. Uh is an award winning actor, best selling Arthur,
- 0:44Speaker 1: entrepreneur and philanthropists. He is recognizable for a star role
- 0:48Speaker 1: in the CBS hit television series c S I New York,
- 0:51Speaker 1: for which he want three n double a cp Emmy's
- 0:54Speaker 1: Awards for Best Lead Actor in a Drama, then CBS
- 0:57Speaker 1: series Covert Affairs, Showtimes a War, When they drama Homeland,
- 1:01Speaker 1: I hated when he when he died in Homeland, he
- 1:03Speaker 1: blew him up, blew him up. He was he was
- 1:06Speaker 1: the lead to the President, but they blew him up.
- 1:09Speaker 1: The cast of ABC's number one drama The Good Doctor
- 1:12Speaker 1: and hosts on HLN N h l N How How
- 1:15Speaker 1: It Really Happened and has authors four I repeat four
- 1:19Speaker 1: New York Times bestsellers. Here's something to really more special
- 1:22Speaker 1: about this young man. Experience announced a financial inclusion campaign
- 1:27Speaker 1: called Boost America, featuring him. Please welcome to money making
- 1:31Speaker 1: conversations financial empowerment activists here, Harper. Yeah, yeah, I was
- 1:40Speaker 1: eventually gonna introduce you to talk to you money making conversations. Um,
- 1:45Speaker 1: you know, these types of conversations are so important. So
- 1:47Speaker 1: I'm so proud of you in this show. So fantastic.
- 1:50Speaker 1: Well you came to the right show because he really
- 1:52Speaker 1: is really unique man, because you supported me when I
- 1:55Speaker 1: first launched it, and now more so many platforms and
- 1:58Speaker 1: in my rech just really incredible now especially with my
- 2:01Speaker 1: podcasts and uh, the show is starting to get syndicated
- 2:05Speaker 1: different market. In fact, we started uh Greensboro, North Carolina.
- 2:08Speaker 1: This Mother's Day, I'll start broadcasting there and so well
- 2:12Speaker 1: and so important because we need to have these conversations
- 2:15Speaker 1: for empowerment. We need financial empowerment and m and and
- 2:20Speaker 1: folks need the information. So so what you're doing is
- 2:22Speaker 1: so vital. Thank you. So let's talk about experience, you know,
- 2:25Speaker 1: which is explain what experience is and then all show
- 2:29Speaker 1: your relationship with the Boost America campaign. Okay, So Experience
- 2:34Speaker 1: is one of the big three credit rating agencies, and
- 2:38Speaker 1: and you know, and your audience certainly knows how important
- 2:41Speaker 1: your credit score is in your life. And we can
- 2:44Speaker 1: you know, I think what we should dig deep into
- 2:46Speaker 1: that and we'll talk about that. But what the Experience
- 2:49Speaker 1: Boost America campaign is, and it's really a challenge to individuals,
- 2:54Speaker 1: to folks in town cities, families, friends, and folks across
- 2:57Speaker 1: the country to engage with their credit to take control.
- 3:01Speaker 1: You know, right now in this country, there are more
- 3:04Speaker 1: than one million people in the U s who don't
- 3:06Speaker 1: have a fair chance to access to credit today because
- 3:09Speaker 1: they have limit information in their credit files or they
- 3:12Speaker 1: don't have a credit file at all. And that's certainly
- 3:14Speaker 1: not good for them, but it's also not good for
- 3:17Speaker 1: our communities in the American economy. You know, these people
- 3:21Speaker 1: they're forced to rely on high interest credit cards and
- 3:24Speaker 1: loans and and things that the many of us take
- 3:26Speaker 1: for granted. And and the study just came out resounded
- 3:29Speaker 1: that that if you have a subprime score below, you're
- 3:32Speaker 1: gonna pay more than two hundred thousand dollars and added
- 3:36Speaker 1: fees and cause over the course of your lifetime. So
- 3:40Speaker 1: the question is in that environment, how can we ever
- 3:43Speaker 1: build wealth? So the fact that experience is innovating in
- 3:48Speaker 1: this case, they're the first to add to their algorithm
- 3:52Speaker 1: the ability for the consumer that's me and you and
- 3:55Speaker 1: everybody listening to load in positive payment information into their
- 4:00Speaker 1: credit file and in which will ultimately over time, boost
- 4:05Speaker 1: your score. And that's why it's called boost America to
- 4:08Speaker 1: boost your score because up until now that many much
- 4:12Speaker 1: of this positive payment history has not been in your file.
- 4:16Speaker 1: Because we know, folks in our community, the one thing
- 4:19Speaker 1: we do pay every month is our cell phone bill
- 4:21Speaker 1: as an example, right, because that's our lifeline to our
- 4:24Speaker 1: friends and family. One thing we do pay our utility bills.
- 4:27Speaker 1: We keep that electricity on. We we we take care
- 4:30Speaker 1: of our family when things are tight. Sometimes we'll let
- 4:32Speaker 1: our credit card balances run, but we don't let our
- 4:36Speaker 1: cell phone bill run, our electricity or water to pay those,
- 4:40Speaker 1: but we've never gotten credit for that before until now. Exactly.
- 4:44Speaker 1: So this is it's a powerful tool for us. And
- 4:47Speaker 1: and that's why I'm I'm a hundred percent behind it, folks.
- 4:50Speaker 1: Experience is the only one of the big three that
- 4:52Speaker 1: offers this. You know, the other two are called Equifax
- 4:55Speaker 1: and TransUnion, and but Experience the only one is offering it.
- 4:59Speaker 1: Um you go, you go onto the website experien dot com,
- 5:02Speaker 1: backslize boost America. You go in. You have to, you know,
- 5:05Speaker 1: put the information if you're paying these accounts through that
- 5:08Speaker 1: you have to pay your utility yourself one, but you
- 5:11Speaker 1: have to be paying them through your bank account. They're
- 5:13Speaker 1: checking your savings and the names have to match, right.
- 5:16Speaker 1: You can't. You're not gonna get credit for Grandmama paying
- 5:18Speaker 1: her cell bills. But as long as the names match,
- 5:23Speaker 1: you pay them to a bank account, you can get credit.
- 5:26Speaker 1: And it make sure it can give you more positive
- 5:29Speaker 1: payment history into your file and therefore hopefully your score
- 5:33Speaker 1: will will rise. It's really important that people understand how
- 5:37Speaker 1: important credit is. For some reason, uh eighteen seventeen, I
- 5:42Speaker 1: always understood credit. Not that my parents had good credit,
- 5:45Speaker 1: they didn't, but I understood the value of good credit,
- 5:48Speaker 1: the value of paying things off. And and so I
- 5:51Speaker 1: remember back in my day, you know, a serious credit
- 5:53Speaker 1: card really had back in the they had more value
- 5:55Speaker 1: than the American Express. And not seriously is out of business,
- 5:58Speaker 1: but seriously, you gotta serious credit call it opened up
- 6:00Speaker 1: the doors to all your credit cards. And so, so
- 6:03Speaker 1: like my like my credit card score, you Rishan, do
- 6:06Speaker 1: you follow? You do? My credit score right now is
- 6:08Speaker 1: thirty five. Even at my level, I understand that just
- 6:12Speaker 1: because I can generate large sums of income, I can
- 6:16Speaker 1: also I also need credit because you don't want to
- 6:18Speaker 1: be using your income all the time. And so at
- 6:21Speaker 1: my score, and so nine is the maximum you can get.
- 6:24Speaker 1: And so so I'm proud of that score. But it
- 6:27Speaker 1: takes well I'm about to break, you know, eight fifties max.
- 6:30Speaker 1: So you're right there, okay, right there, fifteen points of weight.
- 6:38Speaker 1: And so and watch this experience boost even worse for
- 6:41Speaker 1: you that has high credit. That's why I'm telling everybody
- 6:44Speaker 1: to do it. Your score may only go up one
- 6:47Speaker 1: or two numbers, but that's better than zero. See, every
- 6:51Speaker 1: single time it moves, I feel good. If I see
- 6:54Speaker 1: my score go up one point, I feel good. And
- 6:56Speaker 1: and and this is the thing you have to think
- 6:58Speaker 1: about with credit. This is a really important thing. Credit
- 7:02Speaker 1: is a tool. And this is a tool just like
- 7:04Speaker 1: money as a tool. You know, people get real emotional
- 7:07Speaker 1: about it. They get stressed out of about think about
- 7:08Speaker 1: credit like a hammer. You don't get emotional about a hammer.
- 7:12Speaker 1: Hammers can can build things, but they also can tare
- 7:15Speaker 1: things down. And credit is the exact same way. You
- 7:17Speaker 1: use it properly can help you build your life, help
- 7:19Speaker 1: you achieve your goals and drains. If use it improperly,
- 7:22Speaker 1: it actually hurts you because you're in a lot of
- 7:24Speaker 1: debt and you and and you're servicing that debt, and
- 7:27Speaker 1: you're and you're paying more and and it's hard to
- 7:29Speaker 1: get out from under it. Let's let's put out some
- 7:32Speaker 1: good things here, uh where you can go for discussions
- 7:34Speaker 1: about ww dot Experience dot com, Ford slash boost America
- 7:39Speaker 1: and follow hashtag hashtag boost America. And then this is
- 7:44Speaker 1: a big engagement campaign with hashtag credit Credit chat on
- 7:48Speaker 1: May fifteen, Uh yes, tell us about that. So I'll
- 7:52Speaker 1: be doing a credit chat on Twitter, Live chat on Twitter,
- 7:55Speaker 1: any questions anybody has on May fifteenth, and so that'll
- 7:59Speaker 1: be that'll be live and it's a chance to engage. Uh,
- 8:02Speaker 1: anybody who's listening now, or if you know somebody, if
- 8:05Speaker 1: you know a young person who ask questions, you know,
- 8:07Speaker 1: we can do a whole We're gonna do a whole
- 8:09Speaker 1: Twitter chat or maybe things. Just check out my Twitter
- 8:12Speaker 1: which is at Hill Harper or my Instagram at Hill
- 8:14Speaker 1: Harper and you and you'll get the information on on
- 8:17Speaker 1: that Twitter chat how to come on and we can
- 8:20Speaker 1: engage because so many people have so many questions. Uh,
- 8:24Speaker 1: you know it's not you know, boost this innovative product,
- 8:26Speaker 1: this Boost America product with experience is one thing, but
- 8:30Speaker 1: you know it's the first step to helping you engage
- 8:32Speaker 1: with their credit to make take other steps to improve
- 8:35Speaker 1: it long term as well. It's really important. So so
- 8:39Speaker 1: one can just call mean toxic call because it's really good.
- 8:41Speaker 1: Because money making conversations started on Facebook, it started on Twitter,
- 8:46Speaker 1: and so I know the value of how you can
- 8:48Speaker 1: start something somewhere and then people around the world. That's
- 8:51Speaker 1: the one thing that really blew me with without getting
- 8:53Speaker 1: questions from South Africa, from England. So so know that
- 8:56Speaker 1: your questions and your international start that's gonna be real
- 8:59Speaker 1: now hell, so your courtions are gonna come from everywhere, man.
- 9:03Speaker 1: But that which is great, because this is all about empowerment,
- 9:07Speaker 1: you know, and I really believe we're in a time
- 9:09Speaker 1: where we're seeing the wealth gap wide. Rich folks are
- 9:12Speaker 1: getting rich or poor folks are getting poor. We have
- 9:14Speaker 1: to stop that. And part of that is education. It's
- 9:17Speaker 1: letting people know, um, how they can actually build wealth,
- 9:21Speaker 1: what they can do to do that. And part of
- 9:23Speaker 1: it is equal access to credit that's reasonably that's at
- 9:28Speaker 1: a reasonable cost. You know, too often there's that old saying,
- 9:31Speaker 1: and I'm sure you've heard it, it's expensive to be poor.
- 9:35Speaker 1: It shouldn't be that way. Rights with the worst products,
- 9:40Speaker 1: the highest interest rates. You know, in Michigan, your credit
- 9:43Speaker 1: score is used for your for your car insurance. Well,
- 9:46Speaker 1: I don't I don't want to go too far in Michigan.
- 9:48Speaker 1: I wanta take that into the next break. But listen up, everybody,
- 9:50Speaker 1: uh ww dot experience dot com for slash boost America
- 9:55Speaker 1: and follow hashtag hashtag boost America and own made fifteenth
- 10:00Speaker 1: and we're talking about this in the next break. Next
- 10:03Speaker 1: break on Twitter hashtag credit Chat from one pm. Starting
- 10:08Speaker 1: noon to one pm, you'll be able to chat live
- 10:10Speaker 1: with Hill Harper. How this ras Sean McDonald. We're talking
- 10:14Speaker 1: about credit. We're talking about how a lot of people
- 10:18Speaker 1: feel UH disenfranchised because they don't have credit and UH
- 10:22Speaker 1: experience one of the three majors of UH credit score
- 10:27Speaker 1: companies out there that allow you as a partner with
- 10:30Speaker 1: a good friend of mine, Hill Harper, and UH trying
- 10:34Speaker 1: to enhance, trying to get people in an opportunity to
- 10:36Speaker 1: get through the door, the door of opportunity. So he'll
- 10:40Speaker 1: you are, you're living in Detroit, and now you're invested
- 10:44Speaker 1: in Detroit, and then launch and boost America in this
- 10:47Speaker 1: community to help empower it's citizens. But I know I'm
- 10:50Speaker 1: just saying Detroit, but we know this is nationwide. In
- 10:53Speaker 1: some instances, it's worldwide. So why the investment in Detroit? Wise,
- 10:57Speaker 1: Detroit suddenly become just the cool used to put your
- 11:00Speaker 1: money into. Well, well, it's a it's a couple of things.
- 11:03Speaker 1: I was introduced to Detroit originally through a doing films
- 11:07Speaker 1: there because they used to have a mediat tax credit,
- 11:09Speaker 1: much like in Atlanta, UM and there were a lot
- 11:12Speaker 1: of independent films being shot there. I met so many
- 11:14Speaker 1: people that were interested in social Justice and some of
- 11:16Speaker 1: the hardest working salt of the Earth people I've ever met. Um,
- 11:20Speaker 1: a lot of creative people have been moved there because
- 11:22Speaker 1: the cost of living, uh is much lower than many
- 11:25Speaker 1: other major cities across the country. You know, you can
- 11:27Speaker 1: purchase a home uh uh you know, a multi bedroom
- 11:30Speaker 1: home in Detroit still for thirty five fifty dollars. You're
- 11:35Speaker 1: gonna have to put some work into it. But literally
- 11:37Speaker 1: the cost of living and it's you know, is like that,
- 11:40Speaker 1: and and and all these people have stayed with the city.
- 11:43Speaker 1: They worked hard, and and and I was just impressed
- 11:46Speaker 1: by So I bought a business in downtown Detroit called
- 11:48Speaker 1: the Roasting Plant, which is a coffee roastery in downtown Detroit.
- 11:52Speaker 1: And then I bought a home there called the Fisher Mansion,
- 11:55Speaker 1: which is, you know, some people considered Detroit's white House.
- 11:58Speaker 1: And I've been renovating and you know, it's it's and
- 12:00Speaker 1: I put my art collection and I'm bringing my art
- 12:02Speaker 1: foundation into teach kids art there. But all that said
- 12:06Speaker 1: is that you realize that in many ways, Detroit is
- 12:09Speaker 1: becoming a tale of two cities where you have all
- 12:12Speaker 1: this resurgence having in the downtown core, but the people
- 12:16Speaker 1: in the communities, the people that have been there struggling,
- 12:19Speaker 1: are not tasting that resurgence, they're not participating in it.
- 12:25Speaker 1: And I'm I'm all about financial inclusion. And that's why
- 12:31Speaker 1: UM this program is important. And that's why UM having
- 12:34Speaker 1: discussions like this and financial literacy is important because Detroit
- 12:39Speaker 1: unfortunately has one of the lowest aggregate credit scores of
- 12:43Speaker 1: any major city in the country. And so I took
- 12:46Speaker 1: up home myself to say, I'm gonna raise the credit
- 12:48Speaker 1: score of the entire city because the folks in the
- 12:50Speaker 1: communities can't get access to capital. Even though the houses
- 12:54Speaker 1: are thirty five to fifty thou dollars. If you can't
- 12:56Speaker 1: get a thirty thousand dollar alone, you can't buy that house, right.
- 13:00Speaker 1: So we to create inclusion, we have to do it.
- 13:03Speaker 1: We have to make it happen for folks and raise
- 13:05Speaker 1: their credit score, get them access to capital. And that's
- 13:08Speaker 1: why I wanted to focus on Detroit and and this
- 13:10Speaker 1: is happening in many season across the country. I mean,
- 13:12Speaker 1: look at Baltimore, the same things going on there. Look
- 13:16Speaker 1: at look at Newark, New Jersey. UM, you know, these
- 13:19Speaker 1: things happen, so you can see this happening in other
- 13:22Speaker 1: places where folks are getting left out of the resurgence
- 13:25Speaker 1: of the city even though they've been the ones that
- 13:27Speaker 1: have been there the longest. Again, on that's a noon
- 13:31Speaker 1: to one pm, there's gonna be hashtag credit chats on Twitter.
- 13:37Speaker 1: It's gonna be hosted by a good friend and actor
- 13:39Speaker 1: extraordinaire financial activists. Uh here, Harper, uh here? What type
- 13:45Speaker 1: of question do you expect to get doing that credit chat?
- 13:48Speaker 1: I expect folks to say, listen, you know, um, my
- 13:52Speaker 1: credit score is low because of some mistakes. This is
- 13:55Speaker 1: what I get a lot, even on the street. Say Hill,
- 13:58Speaker 1: I know you're working with experience. My credit scores well,
- 14:01Speaker 1: because when I was in college, I ended up with
- 14:04Speaker 1: some high interest credit cards that I've just been and
- 14:06Speaker 1: you know, I've just been paying the minimums on. And
- 14:09Speaker 1: then I had my student loans. You know, what do
- 14:11Speaker 1: I pay off first? How can I approach increasing my
- 14:15Speaker 1: score but at the same time keep my head above water?
- 14:17Speaker 1: You know, these types of questions and and and I'll
- 14:20Speaker 1: be able to break those things down obviously to just
- 14:22Speaker 1: to give a quick answer to if someone has that
- 14:25Speaker 1: question out there right now, listening, whatever your highest interest
- 14:30Speaker 1: you know, debt is that's what you want to tackle first,
- 14:33Speaker 1: and that's usually your credit cards or usually your higher interests.
- 14:36Speaker 1: You can also negotiate your interest rates on your credit cards.
- 14:39Speaker 1: Don't take that as a given. The other thing is,
- 14:42Speaker 1: do not max out your available credit. Because somebody said
- 14:44Speaker 1: to me, Hill, I pay off my cards every month,
- 14:48Speaker 1: but and then I but my score is not going up.
- 14:50Speaker 1: And I said, well, how much of your available credit use?
- 14:52Speaker 1: E said, well, oh, I max out the card, but
- 14:54Speaker 1: then I pay it off completely. I said, well, no, no no, no, no.
- 14:57Speaker 1: You get a negative report if you're using more than
- 15:02Speaker 1: of your available credit on any even months. So what
- 15:04Speaker 1: does that mean? Call the credit card company, have them
- 15:06Speaker 1: increase your available credit amount, or potentially add another card. Now,
- 15:11Speaker 1: when you add another card, your score may drop a
- 15:14Speaker 1: little bit short term, but long term, because you have
- 15:16Speaker 1: more available credit, it will go up. I tell folks,
- 15:19Speaker 1: don't close any cards as long as they're not high
- 15:21Speaker 1: cost cards to carry um, you know, year after year,
- 15:24Speaker 1: because that will negatively impact your score as well. It's
- 15:27Speaker 1: really interesting where you almost gotta stand debt to a
- 15:30Speaker 1: certain degree to have approval that you can pay off
- 15:34Speaker 1: your new debt. Well, well, No, let's be clear. You
- 15:38Speaker 1: don't have to stay in debt. You have to have
- 15:40Speaker 1: available credit. Those are two different things. Mean you don't
- 15:44Speaker 1: have to use the debt for it for its account.
- 15:48Speaker 1: So so let's say you have a card, you have
- 15:50Speaker 1: a thousand dollars available credit. If you put a few
- 15:52Speaker 1: dollars on it, you know that's fine. You don't have
- 15:55Speaker 1: to use it UM, but you need to keep the
- 15:57Speaker 1: card open. That's the point, right, that's true. What drives
- 16:01Speaker 1: your passion and activism for financial empowerment? We've kind of
- 16:05Speaker 1: hited around, but now this question is you What drives you?
- 16:08Speaker 1: I realized when I started my foundation UM Manifest your Destiny,
- 16:12Speaker 1: that I wanted to empower young people and and in
- 16:16Speaker 1: terms of education, in terms of helping them achieve their
- 16:18Speaker 1: goals Bausiness, and I started to realize the number one
- 16:23Speaker 1: excuse or reason they would give me as to why
- 16:26Speaker 1: they're not following their dreams always went back to money.
- 16:30Speaker 1: And he said, Man, I wanted to study this, I
- 16:32Speaker 1: couldn't afford it. Or I want to start this business
- 16:35Speaker 1: but I couldn't afford it. I wanted to do this,
- 16:37Speaker 1: I wanted to travel here to learn this, but man,
- 16:39Speaker 1: I couldn't afford that. I said, well, and then you
- 16:42Speaker 1: look at couples, and you look at how broken many
- 16:44Speaker 1: of our families are. What's the number one thing couples
- 16:47Speaker 1: argue about? Money? And so we started to say, you know,
- 16:51Speaker 1: if money is the root of what's holding people back
- 16:55Speaker 1: and we don't even teach it in school, what's going on?
- 16:59Speaker 1: You know? We have to educate folks and empower them
- 17:03Speaker 1: financially for them to actually live their best lives and
- 17:07Speaker 1: have an opportunity to live their best lives and and
- 17:10Speaker 1: and create wealth. And I want to create wealth in
- 17:12Speaker 1: our communities. At the end of the day, I want
- 17:14Speaker 1: people to look back at me and say, Hill Harper
- 17:16Speaker 1: created ten thousand black and brown millionaires. So, with that
- 17:20Speaker 1: being said, is that a responsibility when you when you
- 17:23Speaker 1: take on these types of titles or you try to, uh,
- 17:26Speaker 1: you know, empower people to live a better life? Hill? Yes,
- 17:31Speaker 1: you know, when I think about our our our communities,
- 17:35Speaker 1: and I think about the idea of cross generational wealth transfer,
- 17:39Speaker 1: you start to realize that the only way that can
- 17:42Speaker 1: start to happen is if we really take care of
- 17:45Speaker 1: the fundamentals. It's almost like athletics, right, you got. You
- 17:49Speaker 1: gotta learn the fundamentals before you start to win the
- 17:53Speaker 1: trick shots, and so in in in the same holds
- 17:56Speaker 1: true for wealth building and financial literacy. So credit is
- 18:00Speaker 1: one of the foundational elements of learning it and and
- 18:04Speaker 1: and being able to So so we've got to start
- 18:06Speaker 1: at the basics before something. You know, someone can come
- 18:08Speaker 1: up to me, man, I want to own apartment buildings
- 18:10Speaker 1: across the country, and I'm like, well, let's talk about
- 18:12Speaker 1: credit first. You know, let's let's go to the basics first,
- 18:15Speaker 1: and then we'll talk about how you can start acquiring
- 18:17Speaker 1: apartment buildings across the country, you know. So, so it's
- 18:20Speaker 1: we always have to go back to the basics in
- 18:23Speaker 1: the beginning. And that's why this partnership with Experience is
- 18:25Speaker 1: so important because I'm I'm celebrating a company that's innovating,
- 18:30Speaker 1: and that's important because unless we have you know, these
- 18:33Speaker 1: companies innovate to try to create products that people can
- 18:37Speaker 1: use to empower themselves. Then then I want to encourage
- 18:41Speaker 1: other companies to follow suits. So so you know, um,
- 18:44Speaker 1: that's why I'm proud to be the brand ambassador for
- 18:47Speaker 1: product and I want people to use it and adopt
- 18:50Speaker 1: it because it will send the message and saying, hey,
- 18:53Speaker 1: the more we do these types of innovation things, um,
- 18:56Speaker 1: the more the more people use them and adopt them,
- 18:59Speaker 1: We're to come out with even more products that can
- 19:02Speaker 1: that people can use to empower themselves. Well, like I
- 19:04Speaker 1: told earlier the interview, I said, uh, all my life,
- 19:08Speaker 1: I've always felt that credit was important to me. I
- 19:11Speaker 1: know that's a certain responsibility. It comes with trying to
- 19:14Speaker 1: maintain and build good credit and to see you as
- 19:18Speaker 1: a brand ambassador under this campaign called boost America, tied
- 19:22Speaker 1: to one of the top credit firms, Experience. Let's me
- 19:25Speaker 1: know that this direction is in good hands, really really
- 19:28Speaker 1: good hands. Well, thank you, thank you, and I appreciate
- 19:32Speaker 1: you having this show in these conversations because all of
- 19:35Speaker 1: this is important too many of us. We we stressed
- 19:39Speaker 1: out about money. We we in credit, and we put
- 19:43Speaker 1: our head in the sand and be like, you know,
- 19:44Speaker 1: someone told me today, I don't even want to know
- 19:46Speaker 1: my score, and I'm saying that's that's m Let's you know,
- 19:51Speaker 1: let's really dig in and and know your score and
- 19:53Speaker 1: then start fixing it. We have to do that for
- 19:56Speaker 1: each other. We have to support each other in it
- 19:59Speaker 1: and you know, Dr King said were all tied together
- 20:01Speaker 1: in a single garment of mutual destiny, So I tortually
- 20:04Speaker 1: believe my destiny is linked with yours. It's just like
- 20:07Speaker 1: you were saying at the beginning, your show has expanded
- 20:09Speaker 1: its reach. So to the extent your show expands, we
- 20:13Speaker 1: we can work together to expand and help each other
- 20:15Speaker 1: spread a message and and and hopefully empower folks. And
- 20:19Speaker 1: that's the way it works with none of her, none
- 20:20Speaker 1: of us are in this alone. And too many times
- 20:23Speaker 1: we have folks that are making the money not sharing
- 20:26Speaker 1: the secrets about how they can empower other people because
- 20:29Speaker 1: they're like I want it all for myself. That's totally
- 20:31Speaker 1: not the type of person I am. I want as
- 20:33Speaker 1: much information. I want other people to win as much
- 20:36Speaker 1: because I know I'm tied to them just as much
- 20:38Speaker 1: they're tied to me. Awesome, Uh this is here, Harper Hell,
- 20:41Speaker 1: thank you again for calling the show. Of course, you
- 20:43Speaker 1: know I gotta promote you there May fifteen date. Uh,
- 20:46Speaker 1: tell your team to get the banners to me. You
- 20:48Speaker 1: know how I operate. Um'll send out the I'm actually
- 20:51Speaker 1: do a special UH fan club blast to my two
- 20:54Speaker 1: and thirty fan club members on that date for you,
- 20:57Speaker 1: because I feel it's important that our community on this
- 21:00Speaker 1: there's value and there's people out there willing to guide
- 21:02Speaker 1: them to their value. Thanks for calling to show. Here.
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