Latest / The Steve Harvey Morning Show / Dr. Cozette White Full Interview

Transcript

Dr. Cozette White Full Interview · The Steve Harvey Morning Show

• 0:00
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  Speaker 1: next gets the founder and CEO of my Financial Home
• 1:11
  Speaker 1: Enterprise and global financial consultancy firm providing comprehensive accounting, tax
• 1:17
  Speaker 1: and financial management services for businesses and individuals. The Women
• 1:21
  Speaker 1: of Wealth dubbed her wealth Builder Extraordinaire and she was
• 1:25
  Speaker 1: awarded a President's Lifetime Achievement Award by President of Barack Obama.
• 1:31
  Speaker 1: Please welcome to the Money Making Conversation. Dr Cosette White,
• 1:36
  Speaker 1: Good morning. How's everyone doing? How are you? Rashaan? Well?
• 1:39
  Speaker 1: Good because you know you can say everyone, because I
• 1:40
  Speaker 1: got my booth is packed in here. You know you're
• 1:43
  Speaker 1: you're only gonna be talking to me though, But they're
• 1:45
  Speaker 1: staring at me though. They making sure you don't make
• 1:47
  Speaker 1: any mistakes. You know. They get pushing buttons and closing
• 1:50
  Speaker 1: curtains so I won't sweat in the booth, you know,
• 1:52
  Speaker 1: because the outdoor light gets too heavy on me. It's
• 1:54
  Speaker 1: too hot. Give me some what, Give me some what?
• 1:58
  Speaker 1: So it's great. I finally got you a much show.
• 2:00
  Speaker 1: I always see you on LinkedIn. I search your profile
• 2:03
  Speaker 1: to see what you're doing this wide So tell me,
• 2:05
  Speaker 1: tell everybody what you do, and then we're gonna get
• 2:07
  Speaker 1: a detail about number of questions that I have outlined
• 2:10
  Speaker 1: that I'm going to ask you about. Tell us about Yes,
• 2:15
  Speaker 1: I love this well, Dr cosettem White. I help individuals
• 2:19
  Speaker 1: gain clarity and focus with their finances. I also help
• 2:23
  Speaker 1: thousands of taxpayers who owe the I r s but
• 2:27
  Speaker 1: simply can't afford to pay the I r s. So
• 2:30
  Speaker 1: I provide benefits such as pain and relief um from
• 2:34
  Speaker 1: the I r S and just help individuals regain their
• 2:37
  Speaker 1: normal sleep habits back by helping them reduce that tax liability.
• 2:42
  Speaker 1: I'm also an author of Unveiling the Mask as well
• 2:46
  Speaker 1: as a best selling author of Attracting the Best. So
• 2:50
  Speaker 1: I play with numbers all day. That's what I do.
• 2:52
  Speaker 1: Which what is your degree? En? Then my degree is
• 2:55
  Speaker 1: a mathematics I will admit I don't play with numbers
• 2:57
  Speaker 1: all day. If you give me a math problem, I
• 3:00
  Speaker 1: might get in the fight with you because you're trying
• 3:02
  Speaker 1: to make me look bad. My my undergraduate degree is
• 3:07
  Speaker 1: in accounting. It's an accounting and then I have my
• 3:09
  Speaker 1: master's degree in business administration. So let me ask you this.
• 3:13
  Speaker 1: When you said people who you said? You said you
• 3:16
  Speaker 1: you do taxes right, and you do taxes with people
• 3:19
  Speaker 1: who owe money? Did you say that yes the I
• 3:22
  Speaker 1: R S. Okay, Now what does that mean? Like? So
• 3:24
  Speaker 1: when I file, you know, my goal is not to owe.
• 3:27
  Speaker 1: How do you wind up owing the I R S? Oh,
• 3:31
  Speaker 1: my goodness. There's a number of different ways that people owe. UM,
• 3:34
  Speaker 1: the I R s they get themselves in trouble. Maybe
• 3:37
  Speaker 1: there are um an entrepreneur employed and maybe they're not
• 3:42
  Speaker 1: paying taxes. They're making the income, but they're not paying
• 3:45
  Speaker 1: the taxes. They're not paying quarterly taxes, they're not paying
• 3:49
  Speaker 1: anything to the internal revenue throughout the year. And then
• 3:52
  Speaker 1: all of a sudden they owe this a big large
• 3:54
  Speaker 1: sum hundred thousand, fifty thousand, you know, whatever that number
• 3:58
  Speaker 1: may look like. And they're not sleeping well because the
• 4:01
  Speaker 1: I R s a sending them notices and knocking on
• 4:04
  Speaker 1: their doors. And we want our money, Like I I
• 4:07
  Speaker 1: have paychecks as a service I use and because if otherwise,
• 4:13
  Speaker 1: I'd probably be a person who owes the government because
• 4:15
  Speaker 1: they take all the money out. They take money out
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  Speaker 1: of my account and out of the account they pay
• 4:19
  Speaker 1: the employee and they pay the government that there's taxes
• 4:22
  Speaker 1: that are due to the government. That's a good way
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  Speaker 1: to protect yourself, correct, Yes, a very good way. Have that.
• 4:28
  Speaker 1: Have it automatically come out of the check. Now let
• 4:31
  Speaker 1: me let me now, Dr White, I'm that from that
• 4:36
  Speaker 1: personal in trouble. I've come to you and our own money.
• 4:39
  Speaker 1: I don't have any money. What did you do for me?
• 4:44
  Speaker 1: How do you? How do you save a guy who
• 4:46
  Speaker 1: started a small business or an individual who got a
• 4:49
  Speaker 1: live bonus and didn't do the taxes on the bonus
• 4:52
  Speaker 1: like he was supposed to, kept saying he was gonna
• 4:55
  Speaker 1: do it, kept saying she was gonna do it, but
• 4:56
  Speaker 1: they didn't do it. End of the year by all
• 4:58
  Speaker 1: those taxes they or thousand dollars. How do they recover
• 5:03
  Speaker 1: from something like that when they come to you, because
• 5:05
  Speaker 1: they also got to pay for your services exactly, they
• 5:09
  Speaker 1: have to pay for the services. Well, there's something that
• 5:12
  Speaker 1: the I R S caused, the debt forgiveness plan, and
• 5:15
  Speaker 1: there's certain criterias that an individual must fall into in
• 5:18
  Speaker 1: order to uh fall into one of the plans. The
• 5:22
  Speaker 1: first one is, of course, the Offer and Compromise program.
• 5:26
  Speaker 1: Then of course, you know, we can fall into the
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  Speaker 1: partial payment installment plans, but who wants to pay partial
• 5:32
  Speaker 1: and partial um partial pay installments? And then there's the
• 5:36
  Speaker 1: penalty of eatement. So when clients come to me, I
• 5:39
  Speaker 1: usually go through an analysis to figure out if they qualify.
• 5:43
  Speaker 1: First of offer any of the programs that forgiveness programs
• 5:47
  Speaker 1: that the I R S is offering, and then from
• 5:49
  Speaker 1: there we look at their financial situation and then do
• 5:52
  Speaker 1: an analysis to say, hey, is this something that the
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  Speaker 1: I R S will approve UM. I don't stick a
• 5:58
  Speaker 1: client into any of the pro programs that the I
• 6:01
  Speaker 1: R S offers unless I know that I am going
• 6:05
  Speaker 1: to have a great success rate. My success rate and
• 6:08
  Speaker 1: settling debt is about so if I don't think that
• 6:13
  Speaker 1: I can settle, then I'm not gonna get you through.
• 6:15
  Speaker 1: I'm not gonna even try to play with you. I'm
• 6:17
  Speaker 1: gonna be honest up front and say I don't think
• 6:19
  Speaker 1: we can win with this one. But that's that's what
• 6:23
  Speaker 1: I do. I try to put them in one of
• 6:25
  Speaker 1: the three debt forgiveness programs, so you are honest, you're
• 6:29
  Speaker 1: not there just with all these business to make money,
• 6:32
  Speaker 1: but you're not gonna lead somebody down the rabbit hole
• 6:35
  Speaker 1: like you could do something with them, and you see
• 6:37
  Speaker 1: the odds of them winning. It's just you getting paid
• 6:39
  Speaker 1: or getting them more debt because they owe you now,
• 6:42
  Speaker 1: because they owe the government, They're definitely not gonna pay you.
• 6:44
  Speaker 1: You know what I'm saying. No, you know what one
• 6:47
  Speaker 1: thing with Shawn, I'm all about honesty and integrity in
• 6:50
  Speaker 1: the business that I'm in. It's really about building relationships,
• 6:55
  Speaker 1: and the more positive relationships that I build, the more
• 6:59
  Speaker 1: my business is gonna grow. I'm not gonna lead you
• 7:02
  Speaker 1: down the road pass and say hey, I can get
• 7:04
  Speaker 1: you through this, knowing that I can't. I've been before
• 7:07
  Speaker 1: the iris too many times, so I know what will pass,
• 7:10
  Speaker 1: and I know will what will not pass. Okay, I'll
• 7:13
  Speaker 1: tell you what I love about this interview. Your voice
• 7:16
  Speaker 1: you have that you know, you had that doctor type voice,
• 7:19
  Speaker 1: that bedside manner. You know you you you. If I
• 7:22
  Speaker 1: came at you offer, you would make me believe I'm
• 7:24
  Speaker 1: gonna get my money back. I'm gonna go the government
• 7:26
  Speaker 1: gonna leave me a lot. I'll just tell you the
• 7:28
  Speaker 1: truth now, because I've been noticing that going. I don't
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  Speaker 1: know any money I want to I want to sign
• 7:32
  Speaker 1: you up for something. You know, call my white baby,
• 7:36
  Speaker 1: well all anybody, because I met the doctor coach that
• 7:38
  Speaker 1: white ning. I think she I think we can use her. Boy,
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  Speaker 1: we don't owe nobody any money. But you need to
• 7:43
  Speaker 1: listen to her voice. Her voice will hypnotize you to
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  Speaker 1: believe that you were right and the government was wrong.
• 7:53
  Speaker 1: I say that because you've been called the financial physician exactly,
• 7:59
  Speaker 1: that's exactly. I'm not the only one saying that. People
• 8:04
  Speaker 1: making you laugh, but you've been called the financial physician
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  Speaker 1: because of your technique, your style, your bedside manner. Tell
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  Speaker 1: me when you get a title like that, what responsibility
• 8:14
  Speaker 1: comes with it? A lot comes with it because when
• 8:18
  Speaker 1: you just think about the words physician, you know people
• 8:21
  Speaker 1: are looking at me in a different manner. So UM, again,
• 8:24
  Speaker 1: as I said, when I was coined the financial physician,
• 8:28
  Speaker 1: it was just one of those things that individuals came
• 8:30
  Speaker 1: to me because I've been able to diagnose the situation, diagnose.
• 8:38
  Speaker 1: It's just being able to diagnose the financial situation and
• 8:42
  Speaker 1: help people get out of the problems that they're in. UM.
• 8:46
  Speaker 1: And we're not just talking about what taxes, we're talking
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  Speaker 1: about our business owners who may be stuck in a
• 8:52
  Speaker 1: in a rut as well. Maybe their numbers aren't panning
• 8:56
  Speaker 1: out the way that they want and maybe their their
• 8:58
  Speaker 1: their profit margins aren't where they want them to be.
• 9:01
  Speaker 1: But just being able to really clearly look at the
• 9:03
  Speaker 1: numbers and say, hey, let's shift things a little bit
• 9:06
  Speaker 1: and maybe this this will work. So um, just being
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  Speaker 1: able to really really, as I said, diagnosed situations as
• 9:13
  Speaker 1: it relates to money. Rashan, I'm not gonna play around
• 9:16
  Speaker 1: with nothing else but the numbers. This is really interesting
• 9:19
  Speaker 1: because when you came out of college, did you go
• 9:23
  Speaker 1: work for someone that did you go immediately into a
• 9:26
  Speaker 1: small business platform. No. When I came out of college,
• 9:29
  Speaker 1: I worked in corporate America, and actually, truth be told,
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  Speaker 1: I stayed in corporate America for twenty years. Um. I
• 9:36
  Speaker 1: had the business as well as working in corporate America.
• 9:40
  Speaker 1: And I kept saying, I need to really get from
• 9:43
  Speaker 1: underneath his corporate job because I have so much, so
• 9:47
  Speaker 1: much talent, you know, God has gifted me, and why
• 9:50
  Speaker 1: am I staying here? But something just kept pulling at
• 9:52
  Speaker 1: me to stay there with corporate and um, eventually I
• 9:57
  Speaker 1: just said, hey, I need to take this jump, and
• 10:00
  Speaker 1: I did. I took the leap, and I stepped out
• 10:02
  Speaker 1: on face and I began to grow the business. Now,
• 10:05
  Speaker 1: let me just say this, in those twenty years, I
• 10:09
  Speaker 1: did leave corporate America, but I wasn't prepared. So I
• 10:12
  Speaker 1: had to step back in. And as I say, I
• 10:15
  Speaker 1: say this all the time, we fall down, but we
• 10:17
  Speaker 1: get up. Um, I had to step back in. I
• 10:21
  Speaker 1: was a single parent, I was going through some situations
• 10:23
  Speaker 1: in my life, and I needed to get back in
• 10:26
  Speaker 1: and and rely on what so many of us do
• 10:30
  Speaker 1: that pro check to pro check, you know. We become
• 10:33
  Speaker 1: co dependent upon it, you know. And so that was
• 10:36
  Speaker 1: me at one point in time. But that's that's why
• 10:39
  Speaker 1: I like my show, because I want people to be honest. Because,
• 10:42
  Speaker 1: you know, a lot of time and entertainment, all you
• 10:44
  Speaker 1: see is the twenty five million dollar contract or the
• 10:47
  Speaker 1: contracts signed by an athlete or a singer. So all
• 10:51
  Speaker 1: the movies blockbusters, but the work to get there, the mistakes,
• 10:55
  Speaker 1: the mistakes, the the that we don't hear about important
• 10:59
  Speaker 1: on this oh, because because their journey. So that's why
• 11:02
  Speaker 1: that's why I'm willing to tell people I have failed.
• 11:04
  Speaker 1: I remember I told my daughter when she was struggling
• 11:06
  Speaker 1: in college. I told her, I gotta If you look
• 11:08
  Speaker 1: at my resume, there is an f for my resume.
• 11:12
  Speaker 1: I go, yeah, but there's also a dean's list on
• 11:15
  Speaker 1: my resume to now dad graduated with a math degree
• 11:17
  Speaker 1: now and work for I b M. So don't don't
• 11:19
  Speaker 1: look at me square when I say that. Now, it's
• 11:21
  Speaker 1: a lot of upside on my resume, but there is
• 11:23
  Speaker 1: a mistake, and I didn't allow that mistake to slow
• 11:26
  Speaker 1: me down. And it's important that people understand that. And
• 11:29
  Speaker 1: when we come back and we'll talk to the to
• 11:31
  Speaker 1: the physician, to financial physicians some more, because our best
• 11:34
  Speaker 1: side manner is incredible. I'm talking to she got a
• 11:36
  Speaker 1: lifetime achieving the ward from the president, President Barack Obama.
• 11:39
  Speaker 1: That's how good years. So I got one on my wall.
• 11:41
  Speaker 1: I know our special I keep the dust off mine, Doc,
• 11:44
  Speaker 1: I keep the dust off mine. When we come back
• 11:46
  Speaker 1: and get bored of what she has to say in
• 11:48
  Speaker 1: her future planning tax strategies keeping people out of debt.
• 11:53
  Speaker 1: You're listening to money making conversation. I'm talking to doctor
• 11:55
  Speaker 1: Becausette White. Hi, this was Sean McDonald. You're listening to
• 11:59
  Speaker 1: money making conversations on the phone. She was dubbed by
• 12:03
  Speaker 1: the Women of Wealth wealth Builders Extraordinaire, and she was
• 12:07
  Speaker 1: awarded a President's Lifetime Achievement Award by President Barack Obama.
• 12:12
  Speaker 1: On the phone? Is a doctor, Cosette White? Still there?
• 12:15
  Speaker 1: Doctor um here? Yes? I am well Doc, I'm tell
• 12:18
  Speaker 1: you some um. You have a new book out called
• 12:21
  Speaker 1: Unveiling the Mask. Is your passionate? Uh called the other
• 12:25
  Speaker 1: victims of domestic violence and substance abuse to stop hiding
• 12:28
  Speaker 1: behind their mask of shame and fear and to step
• 12:31
  Speaker 1: out and embrace the life they have always dreamed up.
• 12:34
  Speaker 1: That's a pretty powerful statement. Why did you write that book? Yes,
• 12:39
  Speaker 1: most definitely I wrote a book Unveiling the Mask because
• 12:42
  Speaker 1: Number one, I just felt it was time for my listeners,
• 12:46
  Speaker 1: my viewers, my community to really know more about me,
• 12:50
  Speaker 1: because that in White um, A lot of times we
• 12:53
  Speaker 1: walk around um or I walk around and people don't
• 12:56
  Speaker 1: did not really know the true story behind me. They
• 13:00
  Speaker 1: to know bits and pieces about me, and so I
• 13:02
  Speaker 1: just felt it was time to be a voice for
• 13:05
  Speaker 1: others that are going through the same or similar situations
• 13:08
  Speaker 1: that I did some years ago, and just to really
• 13:11
  Speaker 1: let them know that there is light at the end
• 13:14
  Speaker 1: of the tunnel with um, you know, resilience, courage, and
• 13:18
  Speaker 1: and just um knowing that that they too can come
• 13:22
  Speaker 1: out of a situation just as I did. Maybe not
• 13:25
  Speaker 1: the same way that I came out of it, but
• 13:27
  Speaker 1: I just wanted to be that voice, especially when I
• 13:30
  Speaker 1: started hearing that so many women and men have walked
• 13:33
  Speaker 1: in the same pair of shoes that I did at
• 13:35
  Speaker 1: one particular time. Um, And so that was my that
• 13:39
  Speaker 1: is my true reasoning for unveiling the mask, And as
• 13:44
  Speaker 1: the book title is, really take that mask off and
• 13:47
  Speaker 1: let everyone know who you are, what situations you've gone
• 13:50
  Speaker 1: through in life, and um, hey they can they can
• 13:53
  Speaker 1: see things a lot clearer, just like you did. You
• 13:57
  Speaker 1: really was it therapeutic for you? Uh? Yeah, I was
• 14:03
  Speaker 1: very therapeutic. But let me just say this. I hesitated
• 14:06
  Speaker 1: on whether or not I really wanted to let the
• 14:09
  Speaker 1: world know what transpired in my life earlier on because
• 14:13
  Speaker 1: I didn't know how people were gonna view me. Um.
• 14:15
  Speaker 1: I started writing the book and then I put it
• 14:17
  Speaker 1: down for a while, and then I you know, reach
• 14:20
  Speaker 1: out to individuals and say, hey, if you were going
• 14:23
  Speaker 1: to do this journey, write your book and let people
• 14:26
  Speaker 1: know the inside of you, how would you feel? And
• 14:30
  Speaker 1: I just have to really get over some some personal
• 14:32
  Speaker 1: things and say, hey, this is your life story, this
• 14:35
  Speaker 1: is what happened, this is the outcome. Tell the world,
• 14:38
  Speaker 1: share the shared with the world, and many people will
• 14:41
  Speaker 1: and um embrace. And so I've as you know, it's
• 14:45
  Speaker 1: only been out less than a month, and the feedback
• 14:47
  Speaker 1: that I've gotten thus far Rashawn has been great. Um.
• 14:50
  Speaker 1: I'm just amazed at so many stories that I've gotten
• 14:54
  Speaker 1: from other individuals that have been in the same situation,
• 14:58
  Speaker 1: um that I've been in. So it's definitely a testimony. Cool.
• 15:02
  Speaker 1: Here's the deal. I don't have that book, and that's
• 15:05
  Speaker 1: I'm mad because I read all my all books that
• 15:08
  Speaker 1: are delivered to me. So I want to bring you
• 15:10
  Speaker 1: back next month on my show after I've read this book.
• 15:13
  Speaker 1: And so we were talk in detail because I don't
• 15:15
  Speaker 1: like I don't like doing glossy interviews like I've actually
• 15:18
  Speaker 1: kind of got read it and kind of like through
• 15:19
  Speaker 1: some through some hyper lines out of your book so
• 15:21
  Speaker 1: you can respond though that I really want to be
• 15:23
  Speaker 1: engaged in the book and ustly understand your emotional journey,
• 15:27
  Speaker 1: because that's important because that is who you are today.
• 15:30
  Speaker 1: That ability to overcome that makes you overcome a lot
• 15:33
  Speaker 1: of things in the future. Also, you talked about the
• 15:35
  Speaker 1: fear of not wanting to lead to corporate corporate life
• 15:38
  Speaker 1: and then you have to go back. That's also in
• 15:40
  Speaker 1: that book, I'm sure, and that doesn't very important to
• 15:43
  Speaker 1: be able to articulate why are you successful today? Let
• 15:46
  Speaker 1: me ask that question to you right now, point blank,
• 15:49
  Speaker 1: why are you successful today? I think this really determination
• 15:53
  Speaker 1: rashaan um not allowing any obstacles to get in my way.
• 15:57
  Speaker 1: I mean, I could go on and on about the
• 16:00
  Speaker 1: because it tell us tell us a few if you
• 16:02
  Speaker 1: don't mind, you know, not to give, but just tell
• 16:04
  Speaker 1: us a couple. But first of all, my parents passed
• 16:07
  Speaker 1: away at the early age. Both of them were murdered.
• 16:09
  Speaker 1: So that was number one. The obstacle I could have
• 16:12
  Speaker 1: been that statistic of saying, oh, here's a woman you
• 16:15
  Speaker 1: know out there un weelfare, not doing well. So that
• 16:19
  Speaker 1: was number one, and that was earlier on number two,
• 16:21
  Speaker 1: just going through the domestic violence, losing the job, and
• 16:25
  Speaker 1: um being out there unwelfare. I say it un weelfare
• 16:28
  Speaker 1: for a period of time, a short period of time, UM,
• 16:32
  Speaker 1: But I was able to overcome that. So when I
• 16:34
  Speaker 1: say I had obstacles in my life, I did have stones,
• 16:37
  Speaker 1: but I didn't allow those to prevent me from moving forward.
• 16:43
  Speaker 1: And that's important that people hear that. That's why I
• 16:44
  Speaker 1: want when I wanted to sharing your story, the honest
• 16:48
  Speaker 1: story on the story that you can you don't. Whatever
• 16:53
  Speaker 1: life is dealing you at that moment, it doesn't have
• 16:55
  Speaker 1: to consistently deal you that consistently. You can overcome it
• 16:59
  Speaker 1: with a plan. When just when life started turning positive
• 17:02
  Speaker 1: for you, did you who did you have around you?
• 17:04
  Speaker 1: What were your what was your little You know that
• 17:06
  Speaker 1: the white the white club that came around and you said,
• 17:09
  Speaker 1: this is the group that's gonna lift me up and
• 17:11
  Speaker 1: tell me I'm important. That tells me I can win
• 17:14
  Speaker 1: because that's what I have now. I didn't have that,
• 17:16
  Speaker 1: and so so I was out there just going in
• 17:19
  Speaker 1: a different directions. But you need that group of people
• 17:21
  Speaker 1: that sit around you, whether it's your wife, your your husband,
• 17:24
  Speaker 1: your sister, your brother, your your pastor your friends, your
• 17:27
  Speaker 1: your children. They keep uplifting who uplifted you? Number one
• 17:31
  Speaker 1: I I turned to God for everything. That's my Number one.
• 17:34
  Speaker 1: I turned to God Number two, I have two friends
• 17:37
  Speaker 1: that I call on for advice all the time. And
• 17:40
  Speaker 1: when I say friends, there in my back pocket. I
• 17:42
  Speaker 1: could call them whenever I want, um, and I can.
• 17:46
  Speaker 1: I know that they're going to give me the sound
• 17:47
  Speaker 1: advice that I need. And um, those are just two
• 17:51
  Speaker 1: friends that I just for whatever I call them. I
• 17:54
  Speaker 1: bounced my ideas off of them, my brainstorm off of them,
• 17:57
  Speaker 1: and I know that they're going to give me the
• 17:59
  Speaker 1: advice that one UM. As I began to grow, and
• 18:02
  Speaker 1: as the business began to grow, and as I began
• 18:05
  Speaker 1: to grow, my circle of friends began to shift and
• 18:09
  Speaker 1: I started relying on a different group of individuals that
• 18:12
  Speaker 1: I could go to and rely on and they would
• 18:15
  Speaker 1: give me their honest feedback on whatever it may be.
• 18:18
  Speaker 1: And I still rely on those group of individuals tell today.
• 18:22
  Speaker 1: So I will say each level that I have progressed
• 18:24
  Speaker 1: and grown, I may have shifted my circles. Know exactly.
• 18:33
  Speaker 1: Club This is a bad club. You're not Miss White, right,
• 18:38
  Speaker 1: I've been watching it. So here's a great thing about
• 18:42
  Speaker 1: I was reading about something he said after financial disaster.
• 18:46
  Speaker 1: You success is absolutely attainable resiliency, discipline, and faith. You
• 18:53
  Speaker 1: don't disaster, I can forget. That's a check up, a
• 18:57
  Speaker 1: word to come back from disaster. How do you come
• 19:01
  Speaker 1: back from disaster through faith, discipline, and resiliency. Let me
• 19:07
  Speaker 1: just say when we talk about disaster, it was disaster
• 19:10
  Speaker 1: for me. It was a younger age. I was a
• 19:12
  Speaker 1: single mom. Like I said, I had lost the job,
• 19:16
  Speaker 1: I was on welfare, I was practically penniless, and I
• 19:19
  Speaker 1: had almost lost my home. So when we say resilience,
• 19:23
  Speaker 1: just stepping out on faith and knowing that, I just
• 19:28
  Speaker 1: knew that I was not going to be that individual
• 19:31
  Speaker 1: that was down on struggle road. As I always say Rashan,
• 19:35
  Speaker 1: I could not just see myself on struggle road. I
• 19:37
  Speaker 1: had to bounce back over to success the road. So
• 19:41
  Speaker 1: when when and even in writing the book, when you
• 19:43
  Speaker 1: look at where I'm at today, the things that I've accomplished,
• 19:47
  Speaker 1: it's just been hard work, dedication, stepping out on faith
• 19:53
  Speaker 1: and and just making things happen. And the thing that
• 19:57
  Speaker 1: um Struggle wrote, I talked about that in my life
• 20:01
  Speaker 1: a lot. You know, because of the fact that even
• 20:03
  Speaker 1: when you're successful, there is struggle road. You know, because
• 20:06
  Speaker 1: of the fact that I relate to when you said,
• 20:08
  Speaker 1: you know you don't often want to tell people m
• 20:59
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