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Angel Rich Full Interview · The Steve Harvey Morning Show

• 0:00
  Speaker 1: My next guest is a proud HBCU grad. She's earned
• 0:03
  Speaker 1: the title Wealth Pioneer. She's the founder of the Wealth Factory.
• 0:08
  Speaker 1: At the Wealth Factory, their mission is to reduce poverty
• 0:11
  Speaker 1: by by providing equal access to quality, easy to understand
• 0:16
  Speaker 1: financial literacy across the world. Please working the money making conversations,
• 0:22
  Speaker 1: Angel Rich, Hey, hey, hey, thanks for having me today. Well, well,
• 0:28
  Speaker 1: thank you for getting on the call of day. And
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  Speaker 1: first of all, where yet in this early daytime hour. Yes,
• 0:36
  Speaker 1: I'm in the beautiful capital of Washington, d C. My
• 0:40
  Speaker 1: home city around fourth generation, so always happy to be
• 0:44
  Speaker 1: back into the city. Just got back from New York
• 0:46
  Speaker 1: last night. Okay, good, So what's this? What's a typical day?
• 0:49
  Speaker 1: Because I wanted want of the people understand who you are.
• 0:52
  Speaker 1: We're gonna go through the story of two breaks, and uh,
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  Speaker 1: you know, I'm fascinated by My degree is in mathematics,
• 0:57
  Speaker 1: so you know, you, you know, what you're doing is
• 1:00
  Speaker 1: way beyond what I'm doing now because I got into scriptwriting,
• 1:03
  Speaker 1: I got in the sitcom, I got into producing town,
• 1:06
  Speaker 1: so I left all my algorithm life behind other than
• 1:09
  Speaker 1: just counting money. Okay, and you stayed in that lane
• 1:13
  Speaker 1: and you and you blossomed in that lane. So explain
• 1:15
  Speaker 1: to everybody what exactly you do. Yes. So, our company,
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  Speaker 1: Wealthy Life designs financial literacy education technology games. We walk
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  Speaker 1: people from birth to retirement through twelve interactive modules to
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  Speaker 1: exceed the personal finance common Core standards. We also use
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  Speaker 1: these games to be able to collect and disseminate financial information. Right.
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  Speaker 1: The first game that we have is called Credit Stactors.
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  Speaker 1: It's similar to Candy Crush, except for swapping around candy
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  Speaker 1: around credit type, pay y off your debts, achieve a
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  Speaker 1: hot core score, and learn from the multiple choice question.
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  Speaker 1: Now that's now what what with that being said, as
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  Speaker 1: you named a very popular game, and like you said,
• 2:03
  Speaker 1: what is the what is the reaction to you're trying
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  Speaker 1: to educate because it's education, right that you're trying to
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  Speaker 1: push here. Let people know how to control their money,
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  Speaker 1: how to grow their money, how to stay I guess
• 2:16
  Speaker 1: I want to say financially stable. Correct. Yeah, So it's
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  Speaker 1: been doing very well. We were able to scale to
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  Speaker 1: over two hundred thousand downloads during our first ten days.
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  Speaker 1: We now have over four hundred thousand downloads. It's the
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  Speaker 1: number one education app is fourteen countries. It's top five
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  Speaker 1: and forty countries, and it's been named the best financial
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  Speaker 1: literacy product in the country by the White House Department
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  Speaker 1: of Education Multitake and we're happy to be a member
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  Speaker 1: of the Top fifty Apps department as well with Google
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  Speaker 1: if they have identified it as one of the top
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  Speaker 1: apps in the world for the past three years. Now
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  Speaker 1: that now that's all amazing. Now Here a lot of
• 2:54
  Speaker 1: people get on more show talk a boy dropping apps,
• 2:57
  Speaker 1: trying to get apps out there, trying to get in
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  Speaker 1: from How does one or through relationships or your reputation,
• 3:04
  Speaker 1: how does one drop an app get the do you
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  Speaker 1: promoted through social media? How does that happen? Angel? Well,
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  Speaker 1: you know, honestly, we didn't ask any of that. I was,
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  Speaker 1: you know, I'm still a regular person. But at the time, no,
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  Speaker 1: you know, I know, you know, you don't stop that
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  Speaker 1: regular person the angel A Angel, You're not a regular person.
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  Speaker 1: No you're not. I see what you're not gonna do
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  Speaker 1: is come on money made conversation and act like I
• 3:29
  Speaker 1: talk corregular people. I was a regular person. I'm dropped
• 3:37
  Speaker 1: and I sat back in my um in my office
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  Speaker 1: and as myself, how was we going to be able
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  Speaker 1: to scale this without any funding. And so you know,
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  Speaker 1: I kind of put the mathematical statistician head on and
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  Speaker 1: we derived an algorithm. UM. So we were ros engineer
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  Speaker 1: Facebook and Gram and Google, and we came up with
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  Speaker 1: our own algorithm for user acquisition of the ads and
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  Speaker 1: we did something in UM historic and groundbreaking. So our
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  Speaker 1: algorithm actually now outperforms Google by seven point five times
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  Speaker 1: and Facebook by twelve points five times. There's no systems
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  Speaker 1: that can advertise to me that can attract users better
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  Speaker 1: than what we're already doing. And we actually had Google
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  Speaker 1: call and tell us this and confirmed this. We we
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  Speaker 1: knew we were doing something amazing. But when Google called
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  Speaker 1: and told us that they've never seen anything like it, UM,
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  Speaker 1: we really knew we were owning something. So we've actually
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  Speaker 1: kind of flashed that out into an algorithm on its
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  Speaker 1: own that we call rich CPI, and we're working with
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  Speaker 1: other companies to now help them be able to scale
• 4:48
  Speaker 1: their products. Now you need to be working with mcnow.
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  Speaker 1: But now, how did rash come get in? The Angel?
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  Speaker 1: Rich business? Stuff? Very serious because I I was sitting
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  Speaker 1: with my staff this morning talking about algorith of them,
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  Speaker 1: there are special people that that's what they do because
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  Speaker 1: they understand this new form of marketing, this new form
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  Speaker 1: of branding, this new form of being able to target
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  Speaker 1: the audience that you're that you're communicating with. How does
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  Speaker 1: an individual or I guess, I guess you couldn't say,
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  Speaker 1: I'm an individual on a company. We'll be able to
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  Speaker 1: take my brand and walking into the front door to
• 5:19
  Speaker 1: sit down and have a meeting with you or your team.
• 5:21
  Speaker 1: How does that work? Yes, so you would email us
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  Speaker 1: at info at get welcome right there down y'all right
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  Speaker 1: there down there, write that down there, and I'm gonna say,
• 5:31
  Speaker 1: if uh info at UM to this info at get
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  Speaker 1: welcome life dot com and um, it's very important to
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  Speaker 1: email us. A lot of people try to DM, linked in, Facebook, message,
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  Speaker 1: text me, all different types of things, but I really
• 5:48
  Speaker 1: only take you seriously if you email me and so
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  Speaker 1: UM on them is a great way to to get
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  Speaker 1: to me. You know your LinkedIn and I say your LinkedIn,
• 5:58
  Speaker 1: went to LinkedIn and read about I'm on LinkedIn too,
• 6:01
  Speaker 1: by the way, Yeah, so that that is a great
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  Speaker 1: way to get to me. But the most sufficient way
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  Speaker 1: of getting to the entire team and everyone, it's info
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  Speaker 1: at get walson life dot com. Now when that happens,
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  Speaker 1: so much is going to contact me back and we're
• 6:16
  Speaker 1: gonna set up a meeting with a team member or
• 6:18
  Speaker 1: we elevated to talk to just you. How does this work? Yeah,
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  Speaker 1: so it depends on the size of of your of
• 6:26
  Speaker 1: your deal um is right now, we definitely are trying
• 6:30
  Speaker 1: to look for higher level of clients. It's a T
• 6:33
  Speaker 1: and T or Johnson and Jonathan falls. Obviously, I'm going
• 6:35
  Speaker 1: to get on the phoney rash Yeah, I love talking
• 6:41
  Speaker 1: to a go I'm gonna just tell you what you
• 6:43
  Speaker 1: what you had with my time, Rashan Johnson and call
• 6:48
  Speaker 1: no no, Rashan McDonald coole, Uh, put him on hold,
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  Speaker 1: tell him I love him, but we'll be right back
• 6:55
  Speaker 1: with him. Okay, with a T n T. Come on,
• 6:57
  Speaker 1: let's talk now, because that's really that's really what it's
• 7:00
  Speaker 1: all about. But but because you've discovered something and I
• 7:04
  Speaker 1: don't want to, I don't want to blow past this
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  Speaker 1: whole concept of of what you guys created, you know,
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  Speaker 1: with this algorithm, I'm assuming that it was a team
• 7:13
  Speaker 1: of you or what's it you and a friend or
• 7:16
  Speaker 1: how did that whole concept come about? Because when I
• 7:18
  Speaker 1: when I sit down and I and I and I
• 7:20
  Speaker 1: think about those things because with my mathematic background, there's
• 7:23
  Speaker 1: a certain logic that comes to comes to about the
• 7:26
  Speaker 1: way I think. How does one go about what your
• 7:29
  Speaker 1: team or uh or you felt it. There's no different
• 7:32
  Speaker 1: Steve Jobs sitting down or Bill Gates and down. There's
• 7:35
  Speaker 1: are visionary people. I have to say, you're a visionary
• 7:37
  Speaker 1: person because you come up with something that even Google
• 7:40
  Speaker 1: has called about. So how does that start? Angel? Okay,
• 7:45
  Speaker 1: so I'll answer that question in reverse. Um, do you
• 7:49
  Speaker 1: have three pieces of intellectual property sort of wrapped into
• 7:54
  Speaker 1: the game? Okay? Um, the first piece is the user
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  Speaker 1: acquisition algorithms which speak to your UM. I did that
• 8:01
  Speaker 1: solely by myself, and I've never showed it to a
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  Speaker 1: never so even my co founder has never seen it.
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  Speaker 1: Like the McDonald's secret sauce. Right exactly, it's like the
• 8:11
  Speaker 1: Coca cola recipe. That's that's it, unless somebody want to
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  Speaker 1: come along and bout Coca cola. Right now, you're not
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  Speaker 1: seeing the algorithm, now you go, girl, exactly. Uh, we
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  Speaker 1: have an algorithm that actually helps people to systematically pay
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  Speaker 1: off their debt and raise their credit score. Um, We're
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  Speaker 1: gonna release that in the next version of the game,
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  Speaker 1: where we're gonna be rounding up people change to pay
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  Speaker 1: off their debt. Uh that with that on their credit
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  Speaker 1: report and systematically increase their credit score. Now that's that's
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  Speaker 1: something that's coming out now, right, Yeah, that's something that's
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  Speaker 1: coming out next. And then start well, but let's let's
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  Speaker 1: stop right there. Let's stop right there, Diet. This is
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  Speaker 1: about this, this credit score, because that's really big, because
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  Speaker 1: I want to get to the other thing that credit
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  Speaker 1: scores was stopped so many people for some reason. Like
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  Speaker 1: even when I came out of high school many years ago,
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  Speaker 1: I always knew I needed to maintain my credit. They
• 9:08
  Speaker 1: weren't even talking about scores back then. It was just
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  Speaker 1: like I gotta have good credit, build your credit, get
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  Speaker 1: one credit card, then you go. Sears was like better
• 9:15
  Speaker 1: than American Express when I was young, and then you
• 9:18
  Speaker 1: get you know something I had. The Montgomery Awards were
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  Speaker 1: just closed now, so I was just building my credit.
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  Speaker 1: I went to got my Sears and then I got
• 9:25
  Speaker 1: my Mortgommery ward card, and then I got my j
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  Speaker 1: C Penning card. Then I got my first Shell gas car,
• 9:32
  Speaker 1: got my Shell gas card. You know that that was
• 9:34
  Speaker 1: hard cars to get back in the day, you know,
• 9:38
  Speaker 1: and and and so and so and so and so.
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  Speaker 1: Then I finally got my American Expreence Green card, you know.
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  Speaker 1: And then I was set. And then my sister, My
• 9:47
  Speaker 1: sister came to me and said, look, I want to
• 9:50
  Speaker 1: borrow your card to go buy uh some Christmas present.
• 9:55
  Speaker 1: I said, okay, how much you're gonna spend two hundred
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  Speaker 1: and fifty dollars. We're about to go to the break.
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  Speaker 1: I want to the story, and so so Mcgoverny ward.
• 10:03
  Speaker 1: I went to Montgomery Awards. This is mcgomery Wards. Its
• 10:05
  Speaker 1: closed now, okay. I went to Mortgovery Wards because I
• 10:08
  Speaker 1: wanted to buy me a VCR back then VCRs with
• 10:10
  Speaker 1: eight hundred dollars. Okay, they were eight harnds. She's laughing,
• 10:15
  Speaker 1: she's laughing at me. And so I go on there,
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  Speaker 1: I got, I got, I got the credit you know.
• 10:20
  Speaker 1: And then and then then they said, I put my
• 10:22
  Speaker 1: mortgovery Walk card down. She says, excuse me, said, uh,
• 10:25
  Speaker 1: you you exceed your limits? Like, huh exceed my limit?
• 10:28
  Speaker 1: I said, I said, excuse me, I got heard of
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  Speaker 1: all the credit line now, you know, not all my
• 10:33
  Speaker 1: credit cards are unlimited now, so that's way back there.
• 10:35
  Speaker 1: And so she said, no, uh no, somebody's coming here
• 10:38
  Speaker 1: and boat like two thousand merchandises. And I went, uh really,
• 10:45
  Speaker 1: and this is so we can't even do you and
• 10:47
  Speaker 1: that I'm a finishing story in our next break. But
• 10:49
  Speaker 1: Angel hanging out, I'm just telling you I am a
• 10:52
  Speaker 1: victim of a person who should have had that game
• 10:54
  Speaker 1: and I should have been passing out to my relatives
• 10:56
  Speaker 1: back into this so they can understand the value of
• 10:57
  Speaker 1: good credit. We'll be back with more of my friend.
• 11:00
  Speaker 1: She's my friend. She's in Washton in d C. Angel Rich,
• 11:08
  Speaker 1: I just Reashan McDonald's. You know, I've been reciting my
• 11:11
  Speaker 1: my credit story. How my first bumping my credit and
• 11:14
  Speaker 1: I'm on the phone is very talented. Uh proud, HBC,
• 11:17
  Speaker 1: you grab Angel Rich. She's she's been a credit with
• 11:21
  Speaker 1: the title of a wealth Pioneer. She's the founder of
• 11:24
  Speaker 1: the Wealth Factory. Angel is still there, Yes, of course. Okay,
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  Speaker 1: so let me just wrap up the story real quick
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  Speaker 1: because I want to get to the more important things
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  Speaker 1: about how person like me fixes problems. Even though they're
• 11:36
  Speaker 1: way back then, they actually happened in the day, especially
• 11:38
  Speaker 1: with student loans and all these things where people just
• 11:41
  Speaker 1: try to walk away and think that they could really
• 11:43
  Speaker 1: live a life with a bad line of credit and
• 11:46
  Speaker 1: poor credit scores. And so so I go home and
• 11:49
  Speaker 1: my sister she's in bed right, and so um she's sleeping,
• 11:54
  Speaker 1: and I go, I woke, I wake up, I said,
• 11:56
  Speaker 1: I said, I said, such as such, I can't telling
• 11:59
  Speaker 1: that she's she killed me because I got six sisters,
• 12:01
  Speaker 1: so you know they all so they they'd be fun
• 12:05
  Speaker 1: to figure out who I'm talking about. But the family,
• 12:07
  Speaker 1: as I said, I said, what what did you do?
• 12:10
  Speaker 1: You told me you're only gonna spend two fifty and
• 12:13
  Speaker 1: she went She looked me square and asked her, boy,
• 12:15
  Speaker 1: you got money, right, I said, huh, And then I said, no,
• 12:21
  Speaker 1: you can't do me like that. The next word on
• 12:23
  Speaker 1: math was Mama, Mama, come on, call Mama on me,
• 12:29
  Speaker 1: Call Mama on me. So I walked. I walked out
• 12:32
  Speaker 1: of there in debt because I was like I had to.
• 12:35
  Speaker 1: I had to pay that off. I was not gonna
• 12:38
  Speaker 1: walk away from that debt, and I had to pay
• 12:41
  Speaker 1: it off. And so the lesson learned is that you
• 12:43
  Speaker 1: have to protect your credit. Just like she was talking
• 12:46
  Speaker 1: about Hey, don't nobody know about this algorithm but me.
• 12:50
  Speaker 1: You don't trust anybody with your valuables or anything, because
• 12:53
  Speaker 1: that doesn't mean that they're gonna respond the same way
• 12:56
  Speaker 1: if a mistake happens in your life. So, with that
• 12:59
  Speaker 1: being said, how does a person like me, I boarded
• 13:03
  Speaker 1: it because I paid it off. You got these low
• 13:05
  Speaker 1: credit scores, and and you don't know why you got
• 13:07
  Speaker 1: the credit score. Now you have this algorithm. Why was
• 13:10
  Speaker 1: this so important in your line of thought process? I
• 13:13
  Speaker 1: just told you my personal story that you people need
• 13:16
  Speaker 1: this service of fixing their credit scores and paying off
• 13:19
  Speaker 1: their debt. Well, I think you dred was cute? Hey, No, no,
• 13:29
  Speaker 1: you you laughed. No, you laughed at my eight hundred
• 13:31
  Speaker 1: dollar VC. Yeah, that was that was That's wild. That's wold.
• 13:36
  Speaker 1: Guess that's like Blu Ray back in the day. You know.
• 13:38
  Speaker 1: So I understand, um, but I actually had a family
• 13:43
  Speaker 1: member leave me a hundred and eighty thousand dollars in
• 13:46
  Speaker 1: that and so um, I didn't get the chance to
• 13:51
  Speaker 1: participate in any of that money. And I would say
• 13:56
  Speaker 1: about eighty of it was for my college education because
• 14:00
  Speaker 1: I was told that it was. Hey, but it wasn't
• 14:03
  Speaker 1: so about eighty thousand was for college and a hundred
• 14:06
  Speaker 1: thousands random household experiences and random things. And so I
• 14:13
  Speaker 1: graduated that two years old with a hundred and eighty
• 14:16
  Speaker 1: thousand dollars worth of debt. And when I sat back
• 14:21
  Speaker 1: and I calculated how long it would take me to
• 14:24
  Speaker 1: pay this debt off, I would have been fifty five
• 14:26
  Speaker 1: years old. And so I had to figure out. I
• 14:31
  Speaker 1: had to figure out how to reverse engineering the credit
• 14:34
  Speaker 1: reporting system. I had to figure out an algorithm for
• 14:37
  Speaker 1: effectively paying off my debt to be able to raise
• 14:41
  Speaker 1: my credit call. All the different components that you've seen
• 14:43
  Speaker 1: in the game, I had to figure them out for myself. UM,
• 14:47
  Speaker 1: the different connections, UM, the letters, uh, dis using inquiries, UM,
• 14:53
  Speaker 1: all of these very different things. Even being able to
• 14:56
  Speaker 1: master the seven year period and so a lot of
• 15:01
  Speaker 1: people don't realize it's a different um that falls off
• 15:05
  Speaker 1: by different time periods per different states. Some states a
• 15:09
  Speaker 1: fall off and fibers six years. But you got to
• 15:11
  Speaker 1: know your regulation of your state, right and so, uh
• 15:15
  Speaker 1: so that's kind of what led me to this direction.
• 15:18
  Speaker 1: Wants to ork on this, yeah, this entire credit issue,
• 15:21
  Speaker 1: because I want to help avoid UH students and other
• 15:25
  Speaker 1: people from from going through this. And that's why the
• 15:28
  Speaker 1: next phase of the project focuses on rounding up people
• 15:31
  Speaker 1: change to be able to help them pay off their debt. Now,
• 15:34
  Speaker 1: I will just tell you this, Angel, I didn't know
• 15:36
  Speaker 1: about your debt. I didn't know about that. I know
• 15:38
  Speaker 1: my little two and three dollars was really like pennies
• 15:42
  Speaker 1: in comparison. So I don't want to offend you because
• 15:45
  Speaker 1: there was in nobodio or nowhere. I was just one
• 15:48
  Speaker 1: of my stories. I wanted to tell it because my stories.
• 15:50
  Speaker 1: But it's still it's deep though, to each your own.
• 15:53
  Speaker 1: That's that's still definitely deep. But trust me, brother, you
• 15:56
  Speaker 1: don't want that one a d over your head. I
• 16:00
  Speaker 1: love it right right right right and and it's building up.
• 16:07
  Speaker 1: It's it's really and it tells me you're a very
• 16:09
  Speaker 1: confident person because of the fact that you know that
• 16:12
  Speaker 1: was a that's a that's a very minus monstrous number
• 16:15
  Speaker 1: to throw out there, and then you took it upon
• 16:17
  Speaker 1: yourself to be responsible for dealing with it. Because it's amazing.
• 16:21
  Speaker 1: I'm just telling everybody when you used to we're here,
• 16:23
  Speaker 1: the word co signing or the hook up or I
• 16:26
  Speaker 1: take care of you later. I don't care if you're
• 16:28
  Speaker 1: loan your family members money. Get a contract, because that's
• 16:31
  Speaker 1: how banks do business. That's how I do it. I
• 16:33
  Speaker 1: tell my relatives now, I say, you wanna borrow money
• 16:35
  Speaker 1: from me. Okay, here's a piece of paper, here's some information.
• 16:38
  Speaker 1: I get a lawyer to draw it up and go,
• 16:40
  Speaker 1: we're signed it right here. Now. If they don't want
• 16:42
  Speaker 1: to do business like that, then they never intended to
• 16:44
  Speaker 1: pay you back, friends, family, or whoever. And so what
• 16:49
  Speaker 1: you have to learn in business, what I've learned in
• 16:51
  Speaker 1: my life is that money, it's important to everybody. It
• 16:56
  Speaker 1: should be most important to the person who's distributing it. Now,
• 17:00
  Speaker 1: if somebody's coming to you asking you for your money,
• 17:03
  Speaker 1: whether there's any fashion that you may not believe it's
• 17:07
  Speaker 1: going to return back to you in the time you
• 17:09
  Speaker 1: want it, get in it right, get it right. And
• 17:12
  Speaker 1: I think that's that's that's one of the bigger things
• 17:14
  Speaker 1: that you have to really promote out the correct angel
• 17:17
  Speaker 1: getting things right. You're you're absolutely right. And I don't
• 17:21
  Speaker 1: want to say too much because people try to listen
• 17:23
  Speaker 1: to me and then't revent things. Thinking I'm thinking of
• 17:28
  Speaker 1: of of an app that actually will help solve that
• 17:31
  Speaker 1: once we are released, the release the next version. There
• 17:35
  Speaker 1: there should be something um that helps solve that, please do,
• 17:41
  Speaker 1: because they need to be like a quick quick agreement app. Okay,
• 17:45
  Speaker 1: you want me to loan your money, press this right here,
• 17:47
  Speaker 1: just like try to signature were good because it's going
• 17:50
  Speaker 1: on too much out there, you know, because it's not.
• 17:53
  Speaker 1: This is like you know, this is like a much
• 17:55
  Speaker 1: more localized form of go fund it. Go fund me
• 17:57
  Speaker 1: is much more sophisticated over there, you know now of you.
• 18:00
  Speaker 1: I've loaned somebody three thousand dollars recently, and I put
• 18:03
  Speaker 1: I put in the play pile, do that by such
• 18:06
  Speaker 1: and such date. I even gave him a grace period,
• 18:09
  Speaker 1: and I was like, it's just not paid by um
• 18:11
  Speaker 1: body's grace spirit. Then I get to revolt the money.
• 18:13
  Speaker 1: But there's technically nothing that actually allows me to revoke
• 18:17
  Speaker 1: the money back. And and there there should be something
• 18:20
  Speaker 1: like that that's already in existence. It really should and
• 18:23
  Speaker 1: this should be also allowed you to be able to
• 18:25
  Speaker 1: affect on you. Hold it here first on this podcast.
• 18:28
  Speaker 1: If you see this money made Conversations Men, Angel, you
• 18:31
  Speaker 1: know your listeners about listening. Yeah, you know, I love
• 18:35
  Speaker 1: talking to you because you almost like a music producer,
• 18:37
  Speaker 1: because the music producer would say that, hey, hey, then
• 18:39
  Speaker 1: my beats I owned it, and so she's said, like
• 18:42
  Speaker 1: I own an intellectual thought. I put it out on
• 18:45
  Speaker 1: Money Made Conversation podcast first. Okay, now that's that's my thought. Now, Okay,
• 18:50
  Speaker 1: don't nobody want run abound because because people do that.
• 18:52
  Speaker 1: I remember when I was managing Steve Harvey and he
• 18:55
  Speaker 1: mentioned Steve Harvey Nation on on the air, and I'll
• 18:59
  Speaker 1: tell you before we finished that for all broadcast somebody
• 19:01
  Speaker 1: that all wanted and when Steve Harvey Nation dot com. Yeah,
• 19:05
  Speaker 1: I'm telling you, it happens to me all the time.
• 19:07
  Speaker 1: And at first I thought that I was crazy, and
• 19:09
  Speaker 1: then my far disteesting this wild stuff, like this wild
• 19:12
  Speaker 1: stuff like I came up with leg Day. I said
• 19:15
  Speaker 1: to my team, I said, watch this, I'm gonna start
• 19:18
  Speaker 1: saying leg Day, mass tag leg Day. I guarantee you
• 19:21
  Speaker 1: within too much on catch on And it did. Like,
• 19:25
  Speaker 1: but that's a beautiful thing because side But you know, Angel,
• 19:30
  Speaker 1: that's good because that means you have a brand that
• 19:32
  Speaker 1: people listen to. That's good and bad, you know, because
• 19:34
  Speaker 1: They also let you know that you know what you are.
• 19:37
  Speaker 1: You are a lane of information, a brand, and that
• 19:41
  Speaker 1: that when when they're no different than Apple or no
• 19:43
  Speaker 1: different than you know, you have your research and development.
• 19:45
  Speaker 1: That's why people are really tight on that type of
• 19:47
  Speaker 1: information because they know it just can't walk out the door.
• 19:50
  Speaker 1: You know, they cannot just be spoken casually at a
• 19:53
  Speaker 1: restaurant because people ere hustle and one of the said,
• 19:57
  Speaker 1: angel over there, okay, what you're talking about? They sitting
• 19:59
  Speaker 1: next to year at Denny's, you know, listening at the
• 20:02
  Speaker 1: booth behind you, you having the conversation. So so it's
• 20:04
  Speaker 1: really important that you protect your brand and deal with it.
• 20:07
  Speaker 1: With that being said, what is the future of finance?
• 20:10
  Speaker 1: Because we were joking around about different things and about you.
• 20:13
  Speaker 1: They're not joking about your games because they're important to you.
• 20:15
  Speaker 1: And you just breakdown. But here the fourth leg that
• 20:17
  Speaker 1: you wanted to talk about because I stopped the score?
• 20:20
  Speaker 1: Can you can you expound on that before we wrap
• 20:22
  Speaker 1: everything up? Well, first of all, you know a theory
• 20:26
  Speaker 1: that I've been toying with and I started to write
• 20:27
  Speaker 1: a paper on this this last night. I think we
• 20:30
  Speaker 1: need to stop calling it the future of farming the
• 20:34
  Speaker 1: present day of money, because I think with us keep
• 20:38
  Speaker 1: referring to the future of farming. People keep waiting for
• 20:42
  Speaker 1: something to happen in the future, and they're not thinking
• 20:45
  Speaker 1: about the present day economy and the present day innovations
• 20:49
  Speaker 1: that are happening right now before them. In terms of
• 20:53
  Speaker 1: mobile banking, investment options. You got robbin hood, you got acorns,
• 20:58
  Speaker 1: you've got different rights to shurance policies, You've got highest
• 21:02
  Speaker 1: daily um annuity policies out here. So there's so many
• 21:06
  Speaker 1: things that's happening right now, right now, and the receptive
• 21:10
  Speaker 1: is coming in the next two years. So I would
• 21:13
  Speaker 1: hate for people to keep thinking about the future of
• 21:16
  Speaker 1: furmance and then next thing you know, they've they've they've
• 21:20
  Speaker 1: held on to the eight hundred credit scores and they
• 21:23
  Speaker 1: haven't purchased the different properties that they needed to or
• 21:26
  Speaker 1: they had to accept their forum on k up um
• 21:29
  Speaker 1: officially to be for this recession that's about to hit.
• 21:33
  Speaker 1: So I really think that almost kind of like, you
• 21:37
  Speaker 1: know what, what was the show called um the Few
• 21:41
  Speaker 1: Touristics show with the robot and um Ah jetsons, So
• 21:50
  Speaker 1: back you went older than me. I can't believe you
• 21:52
  Speaker 1: I guess I'm throwing out Montgomery Wards and says, you're
• 21:55
  Speaker 1: just gonna go back to Jetsons now, you know, you
• 21:57
  Speaker 1: need to stop age. I'm so tired of you. You know,
• 22:01
  Speaker 1: back in the day that cartoon was supposed to be
• 22:04
  Speaker 1: the future of technology in the world. Everything that existed
• 22:08
  Speaker 1: in the Jackson's is here. All this stuff about the
• 22:11
  Speaker 1: future of finance is here. So I think that we
• 22:14
  Speaker 1: need to pause and actually recognize that. Um But yes,
• 22:18
  Speaker 1: I believe that. I believe the future is here where
• 22:21
  Speaker 1: things are going. I think they're preparing us not to
• 22:25
  Speaker 1: get too deep, but I think they're preparing us for
• 22:28
  Speaker 1: another recession the same way the last recession happened. All
• 22:31
  Speaker 1: of a sudden, more housing became available, more credit became available,
• 22:35
  Speaker 1: interest rates were stable, all the same, the same temperature
• 22:39
  Speaker 1: of the market, the same pH balance of the economic
• 22:43
  Speaker 1: climates is the same. That's happening white now. So I
• 22:46
  Speaker 1: would say that there's a recession coming in the next
• 22:48
  Speaker 1: two years and we need to be prepared for it.
• 22:51
  Speaker 1: And I agree with you. You know, different ways I
• 22:53
  Speaker 1: approach money is you know, finding fixed rates and insurance policies,
• 22:58
  Speaker 1: different ways you can protect yourself and but like I
• 23:01
  Speaker 1: said again, you know when you listen to somebody talking
• 23:03
  Speaker 1: about finance, you have to be careful you talk because
• 23:05
  Speaker 1: people hold you accountable saying you were you recommended on
• 23:08
  Speaker 1: your show with show and that's why I vested in this,
• 23:11
  Speaker 1: or they take their advice and manipulate it. But more importantly,
• 23:14
  Speaker 1: how can individuals reach out to your company? I know
• 23:17
  Speaker 1: we're uh for advice for for for business consulting, Please
• 23:22
  Speaker 1: tell us right down, Angel. Yeah, so, first of all,
• 23:26
  Speaker 1: you can email us at info at get Walpi life
• 23:29
  Speaker 1: dot com. We can help directly with your financial situation
• 23:34
  Speaker 1: as well as for your company or school needs. UM.
• 23:37
  Speaker 1: We really kind of see ourselves as consultants as helping
• 23:40
  Speaker 1: with financial literacy on the individual or enterprise level. UM.
• 23:45
  Speaker 1: We can also do it with your data analystics as well,
• 23:48
  Speaker 1: because as we mentioned, we have to use the opposition algorithms,
• 23:51
  Speaker 1: so we're trying to help you save and make money
• 23:55
  Speaker 1: at the wealth Factory. UM. Additionally, we have a book
• 23:59
  Speaker 1: called History of the Block Dollars if you want to
• 24:01
  Speaker 1: kind of dive into the history of money, UM a
• 24:04
  Speaker 1: little bit further. Uh, that's something that you can check
• 24:08
  Speaker 1: out on Amazon dot com and then um, and about
• 24:12
  Speaker 1: another month or so, we're gonna actually finally release the
• 24:15
  Speaker 1: Wealthy Life textbook we hadn't drafted and we're going to
• 24:19
  Speaker 1: begin disseminating that out for individual purchase as well as
• 24:23
  Speaker 1: schools for ars. Can you come back on the show,
• 24:26
  Speaker 1: and when he comes out, so we talk about the
• 24:28
  Speaker 1: Angel We definitely, we definitely can. Um. Yeah, I'm gonna
• 24:32
  Speaker 1: release that room in the next couple of weeks. That
• 24:34
  Speaker 1: would be out before Black Friday. Okay, cool, Oh you're
• 24:36
  Speaker 1: strong and I appreciate your respect you And then guess
• 24:39
  Speaker 1: what coming back on my show, Angel Rich She's she's
• 24:42
  Speaker 1: a beast. She said, the money is now, spend it now,
• 24:45
  Speaker 1: think about it now, not the future.