Latest / The Steve Harvey Morning Show / Interview of the Week: Ash Cash is America’s leading Financial Motivator, Founder of MindRight Money Management, and hosts “Inside the Vault”
Transcript
- 0:04Speaker 1: Welcome to money Making Conversations. It's the show that she
- 0:07Speaker 1: has the secrets of success experience firsthand by marketing and
- 0:10Speaker 1: Brandon expert Rashan McDonald. I will know he's giving me
- 0:13Speaker 1: advice to many occasions in the casion didn't notice, I'm
- 0:16Speaker 1: not broke. You know he'll be interviewing celebrity CEOs, entrepreneurs
- 0:20Speaker 1: and industry decision makers. It's what he likes to do.
- 0:22Speaker 1: It's what he likes to share. Now it's time to
- 0:25Speaker 1: hear from my man, Rashan McDonald. Money Making Conversations. Here
- 0:29Speaker 1: we come. Welcome to money Making Conversations. I'm your host,
- 0:32Speaker 1: ram Sean McDonald. It's time to stop reading other people's
- 0:35Speaker 1: success stories and come on y'all and start writing your own.
- 0:38Speaker 1: I always tell people who always leave with their gifts,
- 0:40Speaker 1: their passion, and don't let your age, friends, family, and
- 0:43Speaker 1: coworkers stop you from planning or living your dreams. My
- 0:46Speaker 1: interviews did not do on money making conversation. Always provide
- 0:49Speaker 1: the consumer that's your business owners, access to celebrity CEOs,
- 0:53Speaker 1: entrepreneurs and industry decision makers. My next guest is truly
- 0:56Speaker 1: an industry decision maker. My next guest name is as Cash.
- 1:00Speaker 1: He's one of the nation's top financial educators, personal bank
- 1:03Speaker 1: personal finance experts, business coach, motivational speaker, a former fifteen
- 1:07Speaker 1: year banking executive, and the author of many books, including
- 1:11Speaker 1: four Amazon dot Com bestsellers. He's been featured on many
- 1:14Speaker 1: media outlets such as CNN, The New York Times, Ball
- 1:17Speaker 1: Street Journal, American Banker, CNBC, The Street, dot Com, Black Enterprise,
- 1:22Speaker 1: Esens Magazine, and Ebony. He's dubbed as the financial Motivator.
- 1:26Speaker 1: He uses a culturally responsive approach and teaching financial literacy,
- 1:30Speaker 1: wealth building, and entrepreneurship. Please work with the money making conversations.
- 1:33Speaker 1: He's my friend, ash Cash brother. Thank you so much
- 1:38Speaker 1: for having me. I appreciate you. It's a pleasure. You know.
- 1:40Speaker 1: I have to throw my money making shirt off half
- 1:42Speaker 1: a little because money making conversations. So we have to
- 1:45Speaker 1: make happen. What's the great thing about it is that
- 1:48Speaker 1: watching you build your career and watching you, as you know,
- 1:51Speaker 1: stay on the sideline, watch people. I'm started. People I
- 1:54Speaker 1: don't understand. You don't have to jump out there immediately
- 1:56Speaker 1: to say I've arrived. You should have come with some experience.
- 2:00Speaker 1: Let's talk about your background a little bit on being
- 2:02Speaker 1: able to make you an authority, make you authentic, make
- 2:05Speaker 1: you organically appreciated by the people who you give advice to.
- 2:09Speaker 1: How did it all start for you? Yes, it's it's
- 2:12Speaker 1: it started uh nineteen years old, straight out of high school. Actually,
- 2:17Speaker 1: I was working at a video store rest in Peace
- 2:19Speaker 1: to Blockbuster videos, and I knew that I didn't want to,
- 2:23Speaker 1: uh you know, be a store manager. And one day
- 2:25Speaker 1: one of the assistant managers said that they were hiring
- 2:27Speaker 1: at Chase Bank for tellers. Uh. And so I said, oh,
- 2:31Speaker 1: you know what you know, let me let me just
- 2:32Speaker 1: test it out. I love money, let me just go
- 2:34Speaker 1: test it out. Um. And so I started my career
- 2:37Speaker 1: as a as a teller at nineteen years old. Uh.
- 2:40Speaker 1: And I did everything you know in banking, from teller
- 2:43Speaker 1: to personal banking to a private banker branch manager. I
- 2:47Speaker 1: was a CEO of a credit union. Um. And while
- 2:50Speaker 1: I was working though one of my my joy I
- 2:54Speaker 1: used to go to to to jails, you know, Rikers Island,
- 2:58Speaker 1: to churches to be of the based organizations and teach
- 3:01Speaker 1: financial literacy. Um. And I'm a big jay Z fan.
- 3:05Speaker 1: So in the in the words of the Honorable Sean Carter. Uh,
- 3:08Speaker 1: there's much bigger issues in the world, I know. So
- 3:10Speaker 1: I first had to take care of the world, I know,
- 3:13Speaker 1: And so I figured, I said, you know what, I
- 3:15Speaker 1: want to do this for a living. And so from
- 3:17Speaker 1: there I just decided, like how do I make money?
- 3:21Speaker 1: How do I make impact? Number one? But then how
- 3:23Speaker 1: do I make an income and an impact? Um? And
- 3:26Speaker 1: that's when I wrote my first book in two thousand
- 3:27Speaker 1: and nine. Uh, and really just kind of you know,
- 3:30Speaker 1: became a speaker, became a financial educator, um. And then
- 3:33Speaker 1: you know, here I am today, still doing the same thing,
- 3:36Speaker 1: still still a financial educator, but really uh, you know,
- 3:40Speaker 1: doing it at a at a level that allows me
- 3:43Speaker 1: to have you know, more impact. Uh. And you know
- 3:46Speaker 1: combine that with with with income as well. Know asked
- 3:48Speaker 1: when we when when I brought you on the show,
- 3:50Speaker 1: and bring you on the show. The whole process is
- 3:52Speaker 1: just to break down a lot of things that people fear,
- 3:55Speaker 1: and people fear money, and people fear banks. Banks intimidate people,
- 3:59Speaker 1: taxes intimidate people. What's the common effects? You know, because
- 4:03Speaker 1: you've been in the bank and you've seen all those
- 4:05Speaker 1: different layers that you have. What is the number one
- 4:08Speaker 1: common denominator that people have and not be afraid of
- 4:11Speaker 1: when they bank. Yeah, I think I think first and
- 4:15Speaker 1: foremost is knowledge, uh, and then second, second of all,
- 4:20Speaker 1: it's the mindset, right because um, you know, once you
- 4:23Speaker 1: have knowledge, the people are afraid of what they don't understand, um.
- 4:28Speaker 1: And so what happens is that a lot of people
- 4:31Speaker 1: don't really understand how banking works, how taxes work. They
- 4:35Speaker 1: don't understand that part of the game, and so what
- 4:38Speaker 1: they attach themselves to is other people's experiences, other what
- 4:42Speaker 1: other people go through, which is normally the negative stuff, um.
- 4:46Speaker 1: And so they attach themselves to that negative aspect of it,
- 4:49Speaker 1: and so that becomes their reality. But if they start
- 4:51Speaker 1: to you know, get knowledgeable, right, the more we understand
- 4:56Speaker 1: how things work, um, that is going to the knowledge
- 4:59Speaker 1: is going to change our mindset and in our mindset
- 5:02Speaker 1: is going to to let us know, um that these
- 5:05Speaker 1: are you know, banking is a tool. Money is a tool.
- 5:08Speaker 1: You know, taxes even are are. It's a tool. And
- 5:11Speaker 1: if you know how to use it the right way,
- 5:13Speaker 1: you can actually use it, you know in your favor.
- 5:16Speaker 1: You know, they're really funny when you are just hearing
- 5:18Speaker 1: your conversation. I smiled because you know, you was talking
- 5:21Speaker 1: about how people can stop you from doing your dreams.
- 5:24Speaker 1: You know, and they have negative spirits because you can
- 5:27Speaker 1: go to people, they're gonna have a negative store before
- 5:28Speaker 1: we have a good store. That's that's fact of life.
- 5:31Speaker 1: And so and in the beginning, I always tell people,
- 5:33Speaker 1: you know, don't let your age, friends, family, and cowork
- 5:36Speaker 1: can stop you from planning and living your dream. At
- 5:38Speaker 1: the age of nineteen, you know, you left Blockbuster, went
- 5:41Speaker 1: to a bank, and then you started having dreams of
- 5:44Speaker 1: thoughts of running the bank, being an executive, talking about
- 5:47Speaker 1: people who didn't believe that you could do that, that
- 5:50Speaker 1: they questioned you and said, no, you're just gonna be
- 5:53Speaker 1: a teller. No, you're not gonna have run a credit union.
- 5:56Speaker 1: Because let's stop so many people's dreams and they allow
- 5:58Speaker 1: those negative so much to dominate and then redirect their dreams. Yeah,
- 6:04Speaker 1: I think I think I think it's important, um that
- 6:07Speaker 1: you know, uh, you can't. You can't excuse me, I
- 6:10Speaker 1: don't know. If you hit a dog, don't worry about it, okay, Um,
- 6:15Speaker 1: And so you know, I think I think it's important that, um,
- 6:19Speaker 1: you know, when you have a dream, you have to
- 6:21Speaker 1: realize that the dream was given to you for a
- 6:24Speaker 1: particular reason. A lot of times people are so interested in, um,
- 6:29Speaker 1: you know, what their family has to say, what their
- 6:32Speaker 1: friends have to say, not realizing that the dream wasn't
- 6:35Speaker 1: given to them. And so I was met with a
- 6:37Speaker 1: lot of opposition when I had this dream of being
- 6:40Speaker 1: a banker, when I had a dream of, you know,
- 6:42Speaker 1: being a branch manager. Because the truth of the matter
- 6:46Speaker 1: is that, you know, the finance industry is two percent
- 6:49Speaker 1: you know, black, right's supercent minority. And so when when
- 6:52Speaker 1: you know you see so, you know, a black guy
- 6:55Speaker 1: who's from the from the hood, you know, right, I
- 6:57Speaker 1: grew up with St. Nicholas projects in Armand and so
- 7:00Speaker 1: h you know, black guy from Hallam who doesn't have
- 7:03Speaker 1: the education that that was necessary. Um. I had a
- 7:06Speaker 1: lot of nay says that, a lot of people telling
- 7:08Speaker 1: me what I could and couldn't do. But the one
- 7:11Speaker 1: thing is that I just had to attach myself to
- 7:14Speaker 1: that vision. I had to attach myself to that goal
- 7:17Speaker 1: and make sure that I that I just stay focused
- 7:21Speaker 1: on it. One you know, uh they always say representation matters, um,
- 7:25Speaker 1: And the one thing all I needed to see is
- 7:27Speaker 1: one person. I didn't need to see a thousand people.
- 7:29Speaker 1: I just need to see one person that looked like me,
- 7:32Speaker 1: that did what I wanted to do. And once I
- 7:34Speaker 1: saw that one person, that's who I locked in on.
- 7:37Speaker 1: And everything that everybody said, or everybody all the nay says,
- 7:41Speaker 1: it really didn't matter to me because I knew it
- 7:44Speaker 1: was possible, and that belief system, that mindset of knowing
- 7:48Speaker 1: is possible was all I needed. And so I would
- 7:50Speaker 1: tell anybody who has this dream, don't don't share your
- 7:53Speaker 1: dream with somebody who has not lived your dream or
- 7:58Speaker 1: is it has experienced your dream or is experiencing it,
- 8:01Speaker 1: because they're coming from a space of they don't have
- 8:05Speaker 1: the knowledge, right. And so if if you're looking to
- 8:07Speaker 1: to have a successful relationship, you can't talk to somebody
- 8:11Speaker 1: who's never been in a relationship and get and get
- 8:13Speaker 1: relationship advice for them. If you're looking for money advice,
- 8:17Speaker 1: you can't talk to somebody who doesn't have money experience,
- 8:19Speaker 1: Like you have to have money making conversations with people
- 8:23Speaker 1: who know how to make money, been around money, who
- 8:26Speaker 1: want to stand money. So that way that that advice
- 8:29Speaker 1: is coming from a place of where you want to
- 8:32Speaker 1: be or where you wanna go. But though once you
- 8:35Speaker 1: get their advice, it doesn't mean you hold on to
- 8:37Speaker 1: it because things change to right, you take their advice
- 8:40Speaker 1: and now you you mold it. You you create it
- 8:43Speaker 1: for you so it could it would be tailor made
- 8:46Speaker 1: for you, and then you move forward from there. Yeah,
- 8:48Speaker 1: that's why I love That's why I was excited about
- 8:50Speaker 1: bringing on this show. Because you live my monitor, you know.
- 8:52Speaker 1: Stop reading other people's success story, that's their advice, you know,
- 8:56Speaker 1: and start writing your own. Because their pathway or how
- 8:58Speaker 1: they got there is there. For the age is different.
- 9:01Speaker 1: Their agenda may be different than whether you know they're
- 9:03Speaker 1: they're their parental support may be different, and so but
- 9:07Speaker 1: the advice is important. Just don't try to live it
- 9:09Speaker 1: the way they and achieve it the way they achieved it.
- 9:12Speaker 1: But more importantly, when I when I listened to you
- 9:14Speaker 1: communicate all these these these nuggets of information about your
- 9:18Speaker 1: your history, and I tell people between the ages of
- 9:20Speaker 1: eighteen and twenty and three are important because that's when
- 9:23Speaker 1: you're you're out there being yourself. You're you're champion your
- 9:26Speaker 1: own causes. You know, you may not be married yet,
- 9:29Speaker 1: you may be just a guy inspired female inspired by
- 9:32Speaker 1: your dreams. When you get out of that, when you
- 9:35Speaker 1: get your thirds and farties, is when your dreams may
- 9:37Speaker 1: get shifted out of pocket. Now, as you were starting
- 9:41Speaker 1: to grow, what started shifting in and who helped you
- 9:44Speaker 1: stay online? Ash? Because I always call those people important.
- 9:48Speaker 1: A lot of people who just step to the plate
- 9:50Speaker 1: with rashan, are you crazy? Rash, don't do that. Yeah, So,
- 9:55Speaker 1: so I would say first and foremost, Um, you know
- 9:59Speaker 1: I have to, I have to say my wife, right
- 10:02Speaker 1: because when I met her, um, you know, we worked
- 10:05Speaker 1: at the bank together actually, um, and she was my
- 10:09Speaker 1: biggest champion. She saw a lot in me that I
- 10:12Speaker 1: didn't even really see yet. It took me a while
- 10:14Speaker 1: for me to see it, right, And so she was
- 10:16Speaker 1: always speaking life to me. Right. She was always telling me,
- 10:20Speaker 1: you know, like if I accepted something that was less
- 10:22Speaker 1: than you know, what what what what I what I knew,
- 10:25Speaker 1: or or less than what I deserved, she would be like, Na,
- 10:28Speaker 1: you need to you need to step that up, right. Um. So,
- 10:31Speaker 1: so definitely, my my wife was a big part of
- 10:34Speaker 1: my success. But then also, oddly enough, it was people
- 10:40Speaker 1: I I never even met, right, because a lot of um,
- 10:44Speaker 1: you know, my neighborhood, growing up, how I grew up, Um,
- 10:48Speaker 1: you know, I didn't have access to business mentors. I
- 10:51Speaker 1: didn't have access to people that could directly mentor me. Um.
- 10:55Speaker 1: And so a lot of part of my success was
- 10:58Speaker 1: reading books. Part of my six US was watching documentaries.
- 11:01Speaker 1: Part of my success was really, um, just just understanding that,
- 11:07Speaker 1: you know, other people have done what I wanna do.
- 11:09Speaker 1: They laid the blueprint. Uh. And and I stayed motivated
- 11:13Speaker 1: by always, you know, focusing on you know, somebody's story
- 11:17Speaker 1: that you know that that I said, oh wow, this
- 11:19Speaker 1: person came you know, from from from from the neighborhood.
- 11:22Speaker 1: Oh this you know this person is is Is, you know,
- 11:26Speaker 1: has nine brothers, assistants. They grew up in the inner
- 11:28Speaker 1: city too, and they and they got two Emmies and
- 11:30Speaker 1: they you know what I'm saying. It was those type
- 11:33Speaker 1: of stories that got me that that that really kind
- 11:35Speaker 1: of allowed me to continue pushing. So I would definitely say,
- 11:39Speaker 1: you know, my you know, my wife, I would definitely say,
- 11:42Speaker 1: you know stories, uh, you know, documentaries, celebrities, business people.
- 11:47Speaker 1: You know. Reginald Lewis was a big you know uh
- 11:49Speaker 1: you know, you know a big big uh success. Uh,
- 11:52Speaker 1: you know a big influence in my life. Black enterprise, right,
- 11:55Speaker 1: Alfred Edmund Uh, you know a lot of people who
- 11:58Speaker 1: I've watched from afar. But but then eventually, and not
- 12:02Speaker 1: to get philosophical, but eventually, as you start vibrating on
- 12:06Speaker 1: the on the energy of success, you start to now
- 12:09Speaker 1: attract success, right, success attract success. And so as I
- 12:14Speaker 1: started to had to pretend and create these mentors in
- 12:17Speaker 1: my head, as I started to get successful, I now
- 12:21Speaker 1: started to to attract other successful people who have now
- 12:25Speaker 1: been my mentors directly. And so you know, I would
- 12:28Speaker 1: say it's a combination of you know, of of what
- 12:31Speaker 1: I read who are attracted, and then also my my
- 12:34Speaker 1: wife as well. I'm speaking to Ash Cash. He's the
- 12:36Speaker 1: founder and chief financial educated mind Right Money Management, a
- 12:40Speaker 1: financial education and media company have been They blends psychology
- 12:45Speaker 1: and personal finance with music, pop culture, and relevant news
- 12:48Speaker 1: to help people manage their money. Just to keep this conversation,
- 12:50Speaker 1: by managing your money, but I don't see your lifestyle
- 12:52Speaker 1: better in order to live the life that you want.
- 12:55Speaker 1: And that's important because so many people make mistakes when
- 12:58Speaker 1: they always say looking to the person's yard, you know,
- 13:01Speaker 1: just because they got the roads, don't mean you have
- 13:03Speaker 1: to have a roads or your roads that big. You
- 13:04Speaker 1: can buy a small roads for a lot less money
- 13:07Speaker 1: and let it grow to that. But a lot of
- 13:08Speaker 1: people want to match up. And that's a lot of
- 13:11Speaker 1: that's what a lot of people make the errors with money.
- 13:13Speaker 1: They want to match up to what they think is successful.
- 13:15Speaker 1: Like you said earlier, in a lot of their take area,
- 13:18Speaker 1: financial area, you see very few black people people they
- 13:21Speaker 1: look like you. Well, that's why blacks a lot of
- 13:24Speaker 1: times attracted to sports because sports are dominated by African America.
- 13:28Speaker 1: Six of the NFL is black, over of the NBA
- 13:31Speaker 1: is black, and so they oh, that's that's they feel
- 13:34Speaker 1: that's easy. But still in anything you do as there
- 13:39Speaker 1: is work, there is competition. Let's take the blinders off
- 13:43Speaker 1: the fake game. Just because you see a lot of
- 13:45Speaker 1: us don't mean it's easy talk to us. Yeah, And
- 13:49Speaker 1: I love I love that you said that because I
- 13:51Speaker 1: think that's that's what happens right especially now because we
- 13:55Speaker 1: have social media UM. And so social media UM is
- 13:58Speaker 1: the highlight reels. So you see the highlight reel UM
- 14:01Speaker 1: and people say, oh, if he could do it, then
- 14:03Speaker 1: I could do it. But people don't see the sleepless nights.
- 14:06Speaker 1: People don't see the you know, the first you're the
- 14:09Speaker 1: first to wake up, the last to go to bed.
- 14:10Speaker 1: You know that. People don't see the grind that goes
- 14:13Speaker 1: behind that. Um. And so I think I think number one. UM.
- 14:17Speaker 1: That's why when they say life is a is a journey,
- 14:20Speaker 1: not a destination. That's important for people to realize that
- 14:23Speaker 1: if if, if success is a place for you, then
- 14:27Speaker 1: you're doing it wrong. Success can't be a place. Success
- 14:30Speaker 1: can't say I'm successful when I reached this place. That's
- 14:34Speaker 1: absolutely false. You're successful when you wake up every single
- 14:37Speaker 1: day with purpose. You're successful when you say, you know what,
- 14:40Speaker 1: this is what I want. But I love the process
- 14:43Speaker 1: that has taken me to get there, because I promise you,
- 14:47Speaker 1: once you get to whatever destination is there is, there's
- 14:50Speaker 1: going to be something else. You're gonna stop, You're gonna
- 14:52Speaker 1: rest if you must, but then you're you know, you're
- 14:54Speaker 1: gonna say, oh I want you know this, now I
- 14:57Speaker 1: desire this, and then now there's gonna be another The journey, right,
- 15:00Speaker 1: the journey doesn't stop. And so understand that don't look
- 15:05Speaker 1: at somebody else's success and and and fall in love
- 15:08Speaker 1: with the highlight reel. Don't fall in love with you
- 15:11Speaker 1: know the what they're posting on social media? Find out
- 15:15Speaker 1: what is the process? What process did they take to
- 15:18Speaker 1: get to that level? And you know what is that process?
- 15:22Speaker 1: And can you fall in love with the process. If
- 15:25Speaker 1: you cannot fall in love with the process, the success
- 15:28Speaker 1: isn't for you. Right. If you can't fall in love
- 15:31Speaker 1: with the process of what what what it entails to
- 15:35Speaker 1: to to attain what you want to attain, then you
- 15:38Speaker 1: should be focused on something else every single day. Right.
- 15:41Speaker 1: My goal is to inspire and motivate people to be
- 15:45Speaker 1: the best that they could possibly be. Whether I gotta
- 15:48Speaker 1: dime for it or not. I am that right in
- 15:51Speaker 1: my being. I am inspiration in my being. I am motivation.
- 15:55Speaker 1: And so it doesn't feel like work. I know people
- 15:57Speaker 1: say if you if you find, if you find a
- 15:59Speaker 1: job you love, you'll never work a day in your life.
- 16:02Speaker 1: And so when I say it doesn't feel like work,
- 16:04Speaker 1: I don't mean that there aren't times where I wake
- 16:06Speaker 1: up and I'm like that. I still love it, right, love,
- 16:12Speaker 1: love and time not usually exclusive. Right, still love it
- 16:16Speaker 1: and still be right and still right. But just understand
- 16:19Speaker 1: though that once I get going, I'm like, ah, this
- 16:22Speaker 1: is this is this is what I'm meant to do,
- 16:23Speaker 1: is what I love to do it. So you know,
- 16:25Speaker 1: I mean everybody to who's who's after success. Just know
- 16:29Speaker 1: that it's a journey to it and make sure you
- 16:31Speaker 1: fall in love with that journey. It's finally here the
- 16:34Speaker 1: season of celebration, and no matter how you celebrate with
- 16:37Speaker 1: family and friends, whether you're preparing for reys magos or
- 16:41Speaker 1: Karamu lighting the Manura, are going to midnight mass, Coals
- 16:45Speaker 1: has just what you need to make those traditions special.
- 16:48Speaker 1: Plus you'll find gifts for all your loved ones. Send
- 16:51Speaker 1: warm wishes with Cozy Fleece's sweaters, loungeware, blankets and throws.
- 16:56Speaker 1: Support minority owned or founded brands by giving gifts from
- 17:00Speaker 1: Human Nation and Shame Moisture, or treat them to everyone's
- 17:03Speaker 1: favorite active wear from top brands like Nike, Adidas, and
- 17:07Speaker 1: under Armour. And in the spirit of giving, Coals Cares
- 17:10Speaker 1: is donating eight million dollars to local nonprofits nationwide committed
- 17:15Speaker 1: to the health and well being of our communities. No
- 17:17Speaker 1: matter how you celebrate, when you shop at Coals, you're
- 17:21Speaker 1: right where you belong, So this season give with all
- 17:24Speaker 1: your heart with great gifts from Coals or Coals dot com.
- 17:28Speaker 1: Look for your children's eyes to see the true magic
- 17:31Speaker 1: of a forest. It's a storybook world for them. You
- 17:34Speaker 1: look and see a tree. They see the wrinkled face
- 17:37Speaker 1: of a wizard with arms outstretched to the sky. They
- 17:41Speaker 1: see treasure and pebbles. They see a windy path that
- 17:44Speaker 1: could lead to adventure, and they see you. They're fearless. Guide.
- 17:49Speaker 1: Is this fascinating world? Find a forest near you and
- 17:52Speaker 1: start exploring a Discover the Forest dot org brought to
- 17:55Speaker 1: you by the United States Forest Service and the ad Council.
- 17:58Speaker 1: Adoption of teams and foster care is a topic not
- 18:01Speaker 1: enough people know about, and we're here to change that.
- 18:04Speaker 1: I'm April Denuity, hosts of the new podcast Navigating Adoption,
- 18:07Speaker 1: presented by adopt us Kids. Each episode brings you compelling,
- 18:11Speaker 1: real life adoption stories told by the families that lived them,
- 18:14Speaker 1: with commentary from experts. Visit adopt us Kids dot org,
- 18:18Speaker 1: slash podcast, or subscribe to Navigating Adoption presented by adopt
- 18:22Speaker 1: us Kids, brought to you by the U S Department
- 18:24Speaker 1: of Health and Human Services, Administration for children and families
- 18:27Speaker 1: and the ad council. Yeah, it's so funny you say
- 18:29Speaker 1: that because I always tell people I get up at
- 18:31Speaker 1: four o'clock in the morning the Monday through Friday. I said,
- 18:33Speaker 1: I'm not happy getting up. I said, but I know
- 18:35Speaker 1: that's part of the journey. And I always tell the
- 18:37Speaker 1: share the story of people about my wife. One time
- 18:39Speaker 1: she asked me that she has to drive each to
- 18:41Speaker 1: the airport, you know, and she said, wow, you just
- 18:45Speaker 1: you just don't stop, dude. I said, well, it's not
- 18:48Speaker 1: a question of me stopping. It's just this is a
- 18:50Speaker 1: part of my goals. And you put goals in place,
- 18:52Speaker 1: you have to reach him. And she said, as she said,
- 18:55Speaker 1: do you ever get tired? And I told us that
- 18:57Speaker 1: I'm tired right now right what I'm saying. And I
- 19:00Speaker 1: had to tell esther because you knew you would appreciate
- 19:02Speaker 1: what I'm saying, because look, man, look just because I'm
- 19:05Speaker 1: moving forward don't mean I don't want to lay that out.
- 19:07Speaker 1: But that's not part of the mission. And then I
- 19:10Speaker 1: want to throw you a compliment. I'm a big rapper.
- 19:12Speaker 1: I'm a big rapper friend and my all time favorite records,
- 19:15Speaker 1: there's Tupac tupodcast. Nobody can tell me nothing wrong about
- 19:18Speaker 1: TUPAC And there's nothing to do with your side, nothing
- 19:20Speaker 1: do with your color. But just listening to that, those
- 19:23Speaker 1: those I would call the lyrics that you just laid
- 19:25Speaker 1: about motivation and inspiration. Man, if you have dropped the
- 19:29Speaker 1: biggest small beat underneath you, I'm telling you I just
- 19:33Speaker 1: took off. Took off because it felt like I was
- 19:40Speaker 1: listening to the biggest fall of motivational and find out
- 19:43Speaker 1: your expect But you've been dubbed like that. You've been
- 19:45Speaker 1: dubbed to find that your motivator, haven't you. Absolutely, yeah,
- 19:48Speaker 1: I've been you know. You know the funny thing about
- 19:50Speaker 1: that is because you know, like I said, I am fighting,
- 19:53Speaker 1: I am motivation. Uh. And so you know when I teach,
- 19:57Speaker 1: and that's what makes me different. Right, when I teach finance,
- 20:00Speaker 1: I'm not teaching fin I mean, finance could be boring, right,
- 20:03Speaker 1: So I'm not teaching that from a perspective of uh.
- 20:06Speaker 1: You know, you know one plus one equals to number
- 20:09Speaker 1: one is the mindset right, And that's why my company
- 20:11Speaker 1: is called mind Right Money Management, because you have to
- 20:13Speaker 1: have your mind right before you get your money right. Um.
- 20:16Speaker 1: But then you know, I just believe that this. I
- 20:19Speaker 1: believe that every single day that you wake up, it's
- 20:23Speaker 1: a blessing. Everything else is a bonus, right, And so
- 20:26Speaker 1: with that level of excitement, I need people to be excited.
- 20:30Speaker 1: I want you to be excited with the opportunity to earn.
- 20:33Speaker 1: I want you to be excited that you even have
- 20:35Speaker 1: an opportunity to fulfill your dream. You don't. Don't only
- 20:39Speaker 1: be excited because your dream is fulfilled. Be excited that
- 20:42Speaker 1: you have the opportunity. There are a hundred and fifty
- 20:45Speaker 1: thousand people that die every single day who wish they
- 20:49Speaker 1: have the opportunity that you have. And so I just
- 20:51Speaker 1: wake up inspired and motivated and thankful to God that
- 20:56Speaker 1: I have another opportunity to talk to people. And so
- 21:00Speaker 1: you know, you know, uh, I don't drink coffee. So
- 21:02Speaker 1: this energy that you get right now, this is this
- 21:05Speaker 1: is this is number water, this is h two old.
- 21:07Speaker 1: I don't drink coffee, but it's just an excitement. And
- 21:10Speaker 1: that's why they call me the financial motivator because you know,
- 21:12Speaker 1: I have a special way of of using that excitement
- 21:16Speaker 1: for life to teach you about finance. Because I also
- 21:20Speaker 1: believe that abundance is our birth right, um, and so
- 21:22Speaker 1: it's not something that we should be begging for. It
- 21:26Speaker 1: isn't something that we should be compromising ourselves for. It
- 21:29Speaker 1: is our actual birthright. And the more you can get
- 21:33Speaker 1: to the money, the more you can get to your
- 21:35Speaker 1: to the money, the more you can get to the purpose. Right.
- 21:37Speaker 1: So when you start leading with purpose and you start
- 21:40Speaker 1: doing and being who you are every single day, that
- 21:44Speaker 1: is what's going to allow you to uh uh command
- 21:47Speaker 1: the income that you want to command. And the more income, right,
- 21:50Speaker 1: I know Biggie said, more money, more problems, but the
- 21:53Speaker 1: more income, the more impact. Right, more income, more impact.
- 21:57Speaker 1: So that's what it's about. It's about having motivating people
- 22:01Speaker 1: to get to the bag, right, motivating people to get
- 22:04Speaker 1: to that financial abundance that's their birthright, so that way
- 22:07Speaker 1: they can have more impact. Right. I've been broke before, Right,
- 22:11Speaker 1: I've had I've been a spaces where I'm counting and
- 22:13Speaker 1: figuring out How'm gonna pay bills. I'm not my hundred
- 22:16Speaker 1: percent self, right, I'm not giving you all of ash
- 22:19Speaker 1: cash if I'm trying to figure out how I'm gonna
- 22:22Speaker 1: rob Peter to pay Plaul. But but but I promise
- 22:24Speaker 1: you when I when I when I'm in my purpose
- 22:27Speaker 1: and the income is matching the impact, I get the
- 22:29Speaker 1: impact more. And so it's that motivation pizzas that'd be
- 22:33Speaker 1: very necessary and it's very by the way, I don't
- 22:36Speaker 1: drink off for either. I don't drink tea. I don't
- 22:39Speaker 1: called not because I just don't like the taste. People
- 22:42Speaker 1: do it. I'm proud of and so so because again
- 22:45Speaker 1: it's my I get up because my body tell me
- 22:47Speaker 1: to get up. But I always tell people this is is
- 22:49Speaker 1: the reason I get up, because I have a reason
- 22:51Speaker 1: to get up. A lot of people just go to
- 22:53Speaker 1: bed ash they're just dive in bed and and then
- 22:56Speaker 1: and then when the long go off, they're mad or
- 22:58Speaker 1: they don't know. But when that long go all, what
- 23:01Speaker 1: drags me out of bed is that I know what
- 23:03Speaker 1: I have to do. And it's boy planning for success
- 23:06Speaker 1: and about putting forth that effort. And so when you,
- 23:09Speaker 1: like you said, when Biggest say more money and more problems, oh,
- 23:11Speaker 1: he's saying is look, you can get more money, which
- 23:14Speaker 1: means that you're gonna have to put more effort on
- 23:15Speaker 1: what you're gonna do with it. And that's what this
- 23:17Speaker 1: conversation that we're having is about effort. Everybody wants to
- 23:20Speaker 1: be a great athlete. Everybody wants to be a great singer.
- 23:24Speaker 1: Everybody wants to be rich. Everybody wants a big house.
- 23:27Speaker 1: Taxes come with that, electrical bills come with that, gas,
- 23:31Speaker 1: all of its much more. You know. I remember when
- 23:34Speaker 1: I was reading John Sally when he had his house.
- 23:36Speaker 1: He bought the big house in Detroit. He said he
- 23:38Speaker 1: had like a seventeen thousand dollars electric bill. Guess what,
- 23:42Speaker 1: he bought a big house that who came with it?
- 23:44Speaker 1: He kept the lights on. He all those bad rooms
- 23:47Speaker 1: have to be. All that stuff come with it. And
- 23:49Speaker 1: that's what more money, more problems. As a motivator, what
- 23:53Speaker 1: do you What do you tell people who get frustrated
- 23:56Speaker 1: when the dream isn't what they thought it would be
- 23:58Speaker 1: when they arrived. Yeah, I think I think that. So
- 24:02Speaker 1: the first thing I tell them, uh is be gratefool,
- 24:06Speaker 1: be grateful that you know that this is, this isn't
- 24:08Speaker 1: what you want, right it is. It is as important
- 24:12Speaker 1: to know what you don't want as it is to
- 24:14Speaker 1: know what you do want, right, because knowing what you
- 24:16Speaker 1: don't want will get you to what you want faster.
- 24:19Speaker 1: There are many things that that I thought I wanted.
- 24:22Speaker 1: I was like, oh this is Oh, this is it.
- 24:24Speaker 1: I'm gonna put my blood, sweat and tears. And then
- 24:26Speaker 1: I get to this destination and I'm like, oh that's it.
- 24:29Speaker 1: But but now it kind of it kind of weeds
- 24:32Speaker 1: out all of the all of the all of the things.
- 24:34Speaker 1: And so I don't I don't um, you know, I
- 24:36Speaker 1: don't think it's a loss. Right. A loss isn't a loss.
- 24:39Speaker 1: It's a lesson, right, and so it's not a loss.
- 24:41Speaker 1: It's really a lesson. And so for those who get frustrated,
- 24:44Speaker 1: I think I think frustration, uh is a great tool
- 24:48Speaker 1: if you use it right, right, Because some people use
- 24:51Speaker 1: frustration as a way to stop. Some people use frustration
- 24:55Speaker 1: as a way to give up. Some people use frustration
- 24:57Speaker 1: to say, you know what, I'm not doing this no more.
- 24:59Speaker 1: But you need to know you have to use frustration
- 25:02Speaker 1: as a barometer. Right. I'll give I'll give your example.
- 25:05Speaker 1: If you ever are driving late night on any any highway, right,
- 25:10Speaker 1: and for whatever reasons, you get tired and you start
- 25:13Speaker 1: veering left, what's gonna happen. You're gonna you're gonna run
- 25:16Speaker 1: across those ridgets in the road. It's gonna wake you up.
- 25:19Speaker 1: It's gonna make that noise, it's gonna wake you up.
- 25:22Speaker 1: Imagine if the ridges weren't there, the ridges weren't there,
- 25:25Speaker 1: you'll probably hit the divider, You'll you'll swirl around, your
- 25:28Speaker 1: cause a bad accident. And so those ridgets on the side.
- 25:32Speaker 1: When you get tired and you start you start veering
- 25:34Speaker 1: left or veering right, it's a it's a it's a
- 25:36Speaker 1: wake up call. It's like, yo, wake up, you you
- 25:39Speaker 1: you gotta get up. You're about the crash. Frustration is
- 25:42Speaker 1: that negative negativity, right, negative feelings? It's that, it's not
- 25:47Speaker 1: it's it's not for you to scoff at it. It
- 25:49Speaker 1: is a It is a barometer. When you start doing something,
- 25:52Speaker 1: you start to get frustrated and you're like, I hate this,
- 25:55Speaker 1: then just don't stop. Just take it as a sign
- 25:59Speaker 1: that you need to read route. That the negativity, that
- 26:01Speaker 1: negative feeling that you have is telling you that you
- 26:05Speaker 1: are on the wrong track. And now you gotta figure
- 26:09Speaker 1: out how do I how do I go back to
- 26:11Speaker 1: the middle, How do I go back to this road?
- 26:13Speaker 1: So I could go in the in the direction I
- 26:15Speaker 1: need to go, And so anybody who's feeling frustration. Good,
- 26:18Speaker 1: good that you're frustrating. You either care about this thing
- 26:21Speaker 1: or is you're not supposed to be doing it. So
- 26:23Speaker 1: now take a step back, analyze why are you frustrated?
- 26:27Speaker 1: How can you release this frustration? And and and what
- 26:30Speaker 1: should you be doing? Because now that you know what
- 26:32Speaker 1: you don't want to do or don't like to do,
- 26:35Speaker 1: what are the things that you should be doing? Yeah,
- 26:37Speaker 1: it's two things. Thank you for that. That the blessing.
- 26:39Speaker 1: I'm gonna I'm gonna take that little clip out and
- 26:41Speaker 1: put it on my social and promote you, my brother.
- 26:44Speaker 1: But the other ways you're promoting yourself. You have the
- 26:46Speaker 1: Ash Cash Show or daily live financial news show with
- 26:49Speaker 1: Strange Money through Friday eight am the nine am Eastern
- 26:52Speaker 1: Standard type on your YouTube channel and it provides what
- 26:55Speaker 1: we just hearing, motivation and advice on finance, entrepreneurship and more.
- 26:59Speaker 1: And then I Reaching the appeared on the Vault with
- 27:01Speaker 1: Ash Cast without Town and Labels stepped in and with
- 27:05Speaker 1: the crew where he speaks for successful taste makers and
- 27:09Speaker 1: entrepreneurs on their mindset. When you started tapping into my mindset,
- 27:13Speaker 1: what was your work away? Yeah? Man, so so it
- 27:18Speaker 1: was First of all, it was a classic. It was
- 27:19Speaker 1: an honor to even just be in your presence because
- 27:23Speaker 1: you know, as I said on the show, there was
- 27:24Speaker 1: so there was so much. I'm always the behind the
- 27:28Speaker 1: scenes guy, like, right, what what's making this? What's making
- 27:30Speaker 1: this tick? Um? But when I started tapping into your mindset,
- 27:33Speaker 1: the one thing that that stood out to me, um,
- 27:37Speaker 1: is that it was your resilience, right, was your ability
- 27:41Speaker 1: to not allow nothing, honestly, right, nothing to to stop you.
- 27:46Speaker 1: That you set a goal, right, and you see the
- 27:49Speaker 1: vision for that goal, and you go after that goal regardless, right,
- 27:52Speaker 1: even when they're obstacles. Because you've had a lot of
- 27:55Speaker 1: obstacles in your life. There were things that the normal person, right,
- 28:00Speaker 1: and I'm using normal as a you know, just after word, right,
- 28:03Speaker 1: the normal person would have given up, given the obstacles,
- 28:09Speaker 1: given the things that that have happened in your life. Um,
- 28:12Speaker 1: but but but but but your mindset, you know, I
- 28:14Speaker 1: don't even think you understand what given up means, to
- 28:17Speaker 1: be honest, right, because there were even moments in our
- 28:20Speaker 1: interview that you said something that that the normal persons
- 28:24Speaker 1: would have been more emotionally attached to it, like, oh,
- 28:28Speaker 1: this happened, right, But but she was like, oh yeah, yeah,
- 28:31Speaker 1: it was just that, you know, and I was like,
- 28:33Speaker 1: whoa like again? So so I think I think I
- 28:35Speaker 1: think that mindset of um, you know, you know, you know,
- 28:39Speaker 1: resiliency that I know that the goal is this, and
- 28:44Speaker 1: I know on my way to that goal, they're gonna
- 28:47Speaker 1: be some some obstacles. They're gonna be some roadblocks, they're
- 28:50Speaker 1: gonna be some dechoyes, they're gonna be some things. But
- 28:52Speaker 1: that's not gonna stop me. That's actually right, Like failure
- 28:55Speaker 1: is actually part of success. That's why I got that
- 28:58Speaker 1: that that that the failures, the row blocks, the things
- 29:01Speaker 1: that you might stumble on a part of your role
- 29:04Speaker 1: to successful. Resiliency is that word that I would definitely
- 29:08Speaker 1: attribute to you. Well, thank you. You know. The beauty
- 29:10Speaker 1: of you is that uh my, my blessing is that
- 29:15Speaker 1: meeting people who um make me better and being interviewed value,
- 29:19Speaker 1: sitting around your crew. I walked away a better person,
- 29:22Speaker 1: a better leader. Uh. Motivation, because sometimes you get trapped
- 29:26Speaker 1: into rhythms. And that's why I always tell people to experience.
- 29:29Speaker 1: Why people tell you to go on vacation, so go
- 29:31Speaker 1: to different destinations so you can see things and it's uh,
- 29:35Speaker 1: either frustrate you, which I love that because I love
- 29:37Speaker 1: two words that you stalked over one word you say,
- 29:39Speaker 1: frustration that people don't understand the value of that. Selfishness.
- 29:42Speaker 1: On my side, people don't understand the value that because
- 29:45Speaker 1: they take a negative and to two negative words frustration
- 29:48Speaker 1: and selfishness were really those are the keys toss of
- 29:51Speaker 1: success because you selfishness is denying yourself and taking advantage
- 29:56Speaker 1: of every every hour in the twenty four hours. That's selfishness. Say, man,
- 29:59Speaker 1: look if I gotta get it done, I gotta get
- 30:01Speaker 1: it done. That's overcoming the frustration. And most people say
- 30:05Speaker 1: I can't get it done because I don't have enough time.
- 30:07Speaker 1: I never understood what that meant. Not enough time? Are
- 30:10Speaker 1: you awake? Do you have your help? God bless you
- 30:13Speaker 1: to get up? You have enough time? Set some goals
- 30:15Speaker 1: and what we did done. But the one number one
- 30:17Speaker 1: thing about it, and that's why I'm recommending people to,
- 30:20Speaker 1: you know, just see your your show The Strange Money
- 30:22Speaker 1: through Friday eight am to not not Eastern Standard time
- 30:25Speaker 1: on your YouTube channel, The ass Cash Show. I'm gonna
- 30:28Speaker 1: put that in my newsletter in fact, what I'm gonna do,
- 30:30Speaker 1: I'm gonna get with you because I got these little
- 30:33Speaker 1: links i'd like to drop on my social media and
- 30:35Speaker 1: send people can send you questions and let it drop
- 30:37Speaker 1: into your drop box and then you can see it
- 30:40Speaker 1: and just see how you're affecting people asked. Because you're
- 30:43Speaker 1: an important individual in our society. You're nonstopping. I complimented
- 30:48Speaker 1: about you and being the biggie smallest of financial motivation
- 30:51Speaker 1: was as as ultimate compliments I can get because you
- 30:54Speaker 1: you got the lyrics, and the lyrics is financial literacy.
- 30:58Speaker 1: And if somebody is speaking it, they say, coming off
- 31:00Speaker 1: the dome as you are in financial lives, to take
- 31:03Speaker 1: that crowd, baby, where to the right? Like beg your headed.
- 31:07Speaker 1: Absolutely I appreciate that. He's like, so what's the future
- 31:11Speaker 1: for you? Let's let's wrap it up and let's talk
- 31:12Speaker 1: about what's your what's your future? Next step goes I mean,
- 31:15Speaker 1: I mean the future. The future. The future was uh
- 31:19Speaker 1: Emmy Award talk show. But now the future is he
- 31:22Speaker 1: guy right, if you know you know here is Amy,
- 31:27Speaker 1: uh you know Tony. The future is the Grammy the
- 31:33Speaker 1: Futures of Oscar, the futures and Tony and and you
- 31:36Speaker 1: know courtesy of ras Sean McDonald I received that. Um.
- 31:40Speaker 1: But yeah, you know, the future is really for me, Um,
- 31:44Speaker 1: just continuing to do what I do every single day,
- 31:47Speaker 1: but just on the higher level, right, And so that
- 31:50Speaker 1: that's the beauty of you know what I do. I
- 31:52Speaker 1: have eight books that I've read. I'm writing more books. Um.
- 31:56Speaker 1: You know, I have a daily finance show. I have
- 31:58Speaker 1: Inside the Vault ash Cash, which is a podcast. Um.
- 32:02Speaker 1: You know the goal is, it's just it's just to
- 32:04Speaker 1: continue and reach more people. And so you know, I'm
- 32:07Speaker 1: I might have to reach other hundred thousand or a
- 32:09Speaker 1: million people, but how do I have How do I
- 32:12Speaker 1: get that reach of millions? Yeah, so's just to continue
- 32:16Speaker 1: to do the same thing I'm doing, but on a
- 32:18Speaker 1: on a larger scale. Well, you know, I remember a
- 32:20Speaker 1: couple of years ago, a guy came in with interviewing me.
- 32:23Speaker 1: He said, Man, you're gonna feel stadiums. He said, you
- 32:27Speaker 1: what you say You're going to feel stadiums. And I'm
- 32:29Speaker 1: gonna tell you this, Ash, when I feel that stadium,
- 32:32Speaker 1: You're gonna be on stage with me. Brother. That's how
- 32:33Speaker 1: much I respect you. Uh, you know, I see as
- 32:37Speaker 1: a younger version of me with with different goals that
- 32:41Speaker 1: are that are working for you and I want them
- 32:43Speaker 1: to be different from mine. But more importantly, I want
- 32:45Speaker 1: to share you in any platform that somebody says, who
- 32:49Speaker 1: do you want else on the show? I understand you're
- 32:50Speaker 1: gonna get a call from me, Ash, because man, you
- 32:53Speaker 1: you you're be stud and I love you for that.
- 32:56Speaker 1: I love your team. I love what you're doing. Man,
- 32:58Speaker 1: if you ever need me for anything, ain't I always
- 33:00Speaker 1: know I'm coming without hesitation. That means that means a
- 33:05Speaker 1: lot because you because you you you were on the
- 33:09Speaker 1: mentorship list as well, so you were with somebody that
- 33:12Speaker 1: was a mentor to me. You know, I think I
- 33:14Speaker 1: told you this, but uh, you know when when when
- 33:16Speaker 1: back into Steve Harvey WBLS days, Like when when any
- 33:20Speaker 1: time I went in that building Roshan McDonald was the name.
- 33:23Speaker 1: It rung bells in that building and I was like,
- 33:25Speaker 1: who is this for? Sean McDonald guy? And when I
- 33:28Speaker 1: looked you up, I said, Oh, he's the guy. And
- 33:32Speaker 1: just from a manifestation perspective, right, just like thoughts become
- 33:36Speaker 1: things because you know, now you've been on my show,
- 33:39Speaker 1: I'm on your show. You know what you've just you know,
- 33:43Speaker 1: the help that you've just offered up. That's literally you
- 33:47Speaker 1: know you were once a mentor to me that I
- 33:50Speaker 1: that I didn't have access to. And now I'm I'm vibrating,
- 33:53Speaker 1: I'm in an energetic alignment with Rashan McDonald and now
- 33:57Speaker 1: you know I can have you as a real mentor
- 33:59Speaker 1: from as cash one. Thank you for coming on Money
- 34:02Speaker 1: Making Conversation, my man, Thank you, thank you. I appreciate you. Cool.
- 34:06Speaker 1: If you want to hear more money Making Conversation, I'll
- 34:08Speaker 1: see more Moneming conversation interviews. Please go to money Making
- 34:11Speaker 1: Conversation dot com. I as subscribe to my YouTube channel.
- 34:14Speaker 1: I was Sean McDonald. I am your host. In this
- 34:17Speaker 1: season of giving, Coals has gifts for all your loved ones.
- 34:20Speaker 1: For those who like to keep it cozy, find fleeces, sweaters, loungeware,
- 34:24Speaker 1: blankets and throws, or support minority owned or founded brands
- 34:28Speaker 1: by giving gifts from Human Nation and Shame Moisture and
- 34:31Speaker 1: in the spirit of giving, Coals Cares is donating eight
- 34:35Speaker 1: million dollars to local nonprofits nationwide. Give with all your
- 34:39Speaker 1: heart this season with great gifts from Coals or Coals
- 34:42Speaker 1: dot com. Reclaim your Saturday's God jump and too. Smiling,
- 34:47Speaker 1: happy people will magically appear at your front door. They'll
- 34:50Speaker 1: be driving a clean, shiny truck, and they'll be wearing snappy,
- 34:53Speaker 1: happy uniforms. All you have to do is point point,
- 34:57Speaker 1: point point, and that junk will be con gone, gone, gone, Hooray.
- 35:03Speaker 1: Do you have a Saturday. Give us a call and
- 35:06Speaker 1: we'll give you back your Saturday's got junk for visit
- 35:11Speaker 1: got junk dot com. What girls in the forest, our
- 35:15Speaker 1: imagination and our family bonds. The forest is closer than
- 35:20Speaker 1: you think. Find a forest near you and discover the
- 35:23Speaker 1: forest dot org. Brought to you by the United States
- 35:26Speaker 1: Forest Service and the AD Council