Latest / The Steve Harvey Morning Show / Andre Iguodala, Ellen Kershaw, Sonia Lewis & DeRetta Cole Rhodes, Ph.D.

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Andre Iguodala, Ellen Kershaw, Sonia Lewis & DeRetta Cole Rhodes, Ph.D. · The Steve Harvey Morning Show

0:05
Speaker 1: Welcome to Money Making Conversations. It's the show that she
0:07
Speaker 1: has the secrets of success experience firsthand by marketing and
0:10
Speaker 1: Brandon expert Rashan McDonald. I will know he's giving me
0:13
Speaker 1: advice on many occasions. In incase you didn't notice, I'm
0:16
Speaker 1: not broke. You know, he'll be interviewing celebrity CEOs and
0:19
Speaker 1: entrepreneurs and industry decision makers. It's what he likes to do,
0:22
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0:25
Speaker 1: hear from my man, Rashan McDonald money Making Conversations. Absolutely, absolutely,
0:30
Speaker 1: you're listening to Rushan McDonald and you're on being played
0:33
Speaker 1: on the airways of Money Making Conversation, the fastest growing
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0:38
Speaker 1: it's happened. I'm just telling the truth. But if you're
0:41
Speaker 1: not listening to me on podcast, you can hear me
0:44
Speaker 1: in the line of Georgia. That's just a part of
0:46
Speaker 1: the journey that I've been able to develop in building
0:48
Speaker 1: this brand that we call Money Making Conversation. My next guest,
0:51
Speaker 1: he's on the phone right now and I'm excited to
0:53
Speaker 1: interview him. He is an NBA All Star tech investor
0:58
Speaker 1: and New York Times bestselling Arthur of the sixth Man.
1:01
Speaker 1: The swing Man was an All Star NBA All Star
1:04
Speaker 1: in twenty twelve and it's been named to the NBA
1:06
Speaker 1: All Defensive Team twice. He was the NBING Founders m
1:11
Speaker 1: v P. I remember that year Tara tarab And was
1:16
Speaker 1: a key component to the basketball basketball success then the
1:20
Speaker 1: world championship run of the Golden State Wars. Please welcome
1:24
Speaker 1: to money making conversation, Andre igu Dollar. How you doing, sir?
1:29
Speaker 1: I'm doing good? My friends? Are you you sound alert here? Andre?
1:33
Speaker 1: You know what what city? Or yeah? My friend? I
1:36
Speaker 1: mean Eli at the moment, getting a little UM work
1:40
Speaker 1: done on the body, listening a little bit and uh
1:42
Speaker 1: getting some PRP plasma replacement UH treatment for the body
1:47
Speaker 1: the uh you know, for the upcoming season, trying to
1:49
Speaker 1: get ready um and have another successful run of it. Well,
1:54
Speaker 1: you know the interesting thing about in part of your
1:55
Speaker 1: book you talk about, you know that the training, a
1:58
Speaker 1: lot of you know, the high tech ain'ting that you
2:01
Speaker 1: you really have to look at your body. You know,
2:02
Speaker 1: I've heard when I was reading about uh Lebron James,
2:05
Speaker 1: he spends over a million dollars here when he flies,
2:08
Speaker 1: his trainers fly with him. What exactly do do you?
2:12
Speaker 1: What exactly do? When? When did the mindset that you
2:14
Speaker 1: have to take care of your body start? Because I
2:17
Speaker 1: read your book which is called the Six Mans six
2:20
Speaker 1: the Sixth Man, and it started your journey, you know,
2:23
Speaker 1: in Springfield, Illinois, and then you go through high school.
2:27
Speaker 1: You know, we're really started elementary middle school. You're talking
2:30
Speaker 1: about your brother Frank, and then you get to College
2:31
Speaker 1: of Arizona. You almost went to Arkansas and then uh
2:34
Speaker 1: Nola Richards he resigned and so you changed your mind
2:38
Speaker 1: with Arizona. So when did you start taking care of
2:40
Speaker 1: your body? Uh? I say, you know, you start having
2:44
Speaker 1: those conversations early in the league. I mean the league
2:47
Speaker 1: tries to uh pact as much information into UM a
2:53
Speaker 1: week as they can, you know, because that's all the
2:55
Speaker 1: time they have. It's called the Rickie Transition program. And
2:59
Speaker 1: you hear that monor here. You know if you if
3:02
Speaker 1: you brought a ferrari would you put cheap gas in it?
3:05
Speaker 1: You start you start hearing out a lot. You can
3:09
Speaker 1: apply that to pretty much anything that you're doing, and say,
3:14
Speaker 1: you know, if you had a Ferrarie, how would you
3:16
Speaker 1: treat it. You know, how many times would you wash it?
3:18
Speaker 1: You handwash it, you would handwah it, or you know,
3:21
Speaker 1: you would make sure you didn't get a scratch, or
3:23
Speaker 1: you will put the right fluids into it. Um, you
3:26
Speaker 1: will put the right things in any part of the engine,
3:29
Speaker 1: and you will put top of the line products with it.
3:32
Speaker 1: You know, Uh, cleaning the tires, you're trying to use
3:35
Speaker 1: the best tire cleaner. So and in terms of just
3:38
Speaker 1: my body, UM, I start to watch other guys and
3:42
Speaker 1: see what they were doing. And it took me, uh
3:47
Speaker 1: some years to find kind of like my niche and
3:49
Speaker 1: kind of find what was optimal for me. And the
3:53
Speaker 1: big thing was just doing a lot of homework, doing
3:55
Speaker 1: my own study, and um, surrounding myself with people who
4:00
Speaker 1: we're sharing that knowledge. And it was about it was
4:05
Speaker 1: really when I started fixing my sleep and taking my
4:10
Speaker 1: behind the bed is when a lot of things change.
4:13
Speaker 1: And I said, okay, I'm not getting enough sleep. And
4:16
Speaker 1: I started studying sleep and saying, okay, you gotta get
4:20
Speaker 1: the eight hours a night and these are the things
4:22
Speaker 1: that are keeping you up, and these are the things
4:24
Speaker 1: that will help you go to sleep. Once you start
4:26
Speaker 1: with that layer, you get really in depth with one
4:29
Speaker 1: thing and it flows into a lot of other lifestyle
4:31
Speaker 1: things in terms of health, and from there, the the
4:35
Speaker 1: what I would started eating float into it. You know. UM,
4:38
Speaker 1: let's meet a lot like like you know, almost cut
4:41
Speaker 1: out meat, UH, dairy, UM, sugar. Trying to working on that,
4:46
Speaker 1: which is hard, really hard to do because it's just
4:48
Speaker 1: so accustomed to having those things in the American diet
4:51
Speaker 1: and really a lot of us going back to tracing
4:55
Speaker 1: my roots and seeing you know, what was beneficial to
4:59
Speaker 1: uh um, you know, generations and generations before me, and
5:05
Speaker 1: what their diets are like and how that affected their body.
5:08
Speaker 1: Read a book right now called The Sports Gene and
5:10
Speaker 1: talks in terms of you know what genus different cultures
5:15
Speaker 1: have and how that effects are performances in different sports.
5:19
Speaker 1: And you know why ep Opians and Kings are great
5:22
Speaker 1: at uh long distance, and how Jamaicans are great at sprinting,
5:26
Speaker 1: and you know how diets can help and hand you
5:29
Speaker 1: or how a diet can help you compete with the
5:31
Speaker 1: likes of those cultures. So um just really started to
5:35
Speaker 1: do my homework or anything UM involving you know, whether
5:38
Speaker 1: it be basketball, whether it be business and how I
5:41
Speaker 1: can be my optimal self. Now I ask you this, Um,
5:47
Speaker 1: we we're talking about your book The Sixth Man, But you,
5:49
Speaker 1: as a person, what what view or what perspective of
5:53
Speaker 1: person would you would want a person to have about
5:55
Speaker 1: you as a as a man, as a as a husband,
5:59
Speaker 1: as a father, as a as a business person? What what? What? What? What?
6:03
Speaker 1: What image do you want to project when people say
6:06
Speaker 1: your name or you walk into a room. I think
6:10
Speaker 1: I just want people to realize that, you know, I'll
6:13
Speaker 1: do my homework. You know, I'm very focused on process.
6:19
Speaker 1: You know, it's not necessarily about the end results or
6:24
Speaker 1: you know, the money or the fame. For me, it's
6:27
Speaker 1: about seeing a journey or seeing and go. And I
6:34
Speaker 1: really enjoy putting all the pieces together to build that
6:40
Speaker 1: ultimate puzzle, you know, whether that be on the championship
6:44
Speaker 1: team or helping the team be the best team that
6:48
Speaker 1: that they can be. You know, it may only be
6:51
Speaker 1: the team first round exited, but that we played our
6:54
Speaker 1: best basketball, We got the most out of every single
6:57
Speaker 1: person on the team. You know, that was a successful
6:59
Speaker 1: year for that particular team. You know, I feel like
7:02
Speaker 1: I'm trying to enhance anyone that I'm around. You know,
7:06
Speaker 1: to for friends that or to business people that that
7:08
Speaker 1: I get close to, or invest in companies. You know,
7:11
Speaker 1: when I invest in the company and they say, well, us,
7:13
Speaker 1: do you bring the table to the table besides you
7:15
Speaker 1: know the financial side or did the equity? And I say, however,
7:21
Speaker 1: I can help the company, and that may be putting
7:24
Speaker 1: you in touch with other companies that I invested in,
7:27
Speaker 1: or putting you in touch with UM power movers who
7:31
Speaker 1: can help you find a CFO or help you find
7:34
Speaker 1: the CMO. You know, I've tried to find a good
7:37
Speaker 1: network of people across the globe and UM just connecting
7:41
Speaker 1: people and UM building great products, building great companies, and
7:47
Speaker 1: it's been a great journey. It's sort of like being
7:49
Speaker 1: a GM on a basketball team. You know, you got
7:51
Speaker 1: to find the right coach right UM basketball development system
7:55
Speaker 1: to enhance the players, just bringing the best out of everybody.
8:00
Speaker 1: We know. The thing about when I was reading your book,
8:02
Speaker 1: the book is called the Sixth Band, I'm talking. I'm
8:04
Speaker 1: interviewing andre Iguadolla in the book and this New York
8:08
Speaker 1: Times best selling book. The thing that came across when
8:11
Speaker 1: you talk about your brother, who was an amazing athlete,
8:13
Speaker 1: you talked about Jeff Walker, You talked about different athletes
8:17
Speaker 1: who who came along your life. You took what they
8:20
Speaker 1: what you felt they never took to the next level
8:24
Speaker 1: like finishes you talk about. You know, you read newspapers.
8:27
Speaker 1: You know, people walking a room and go, why why
8:30
Speaker 1: are this young kid reading newspaper because they thought that
8:31
Speaker 1: was add but your but that was part of the house.
8:34
Speaker 1: You could read the newspapers your parents, your mom excuse me,
8:37
Speaker 1: your mom felt that was part of the growth process
8:39
Speaker 1: to know the world for real. I do that with
8:41
Speaker 1: my daughter. Always tell my daughter all my life, I said,
8:44
Speaker 1: sit down and look at the six o'clock news, so
8:46
Speaker 1: you won't to know what life. Look at the news.
8:47
Speaker 1: Don't look at those to that other stuff. But you
8:49
Speaker 1: gotta look at the news. And that was your mom's
8:51
Speaker 1: approach was the newspaper. My approach was the six o'clock news.
8:54
Speaker 1: And so when you look at the things that did
8:56
Speaker 1: you value and did you're growing? And we got like
8:58
Speaker 1: fifty seconds left in this, can you say real quick
9:01
Speaker 1: about what bothered you when you didn't see people with
9:04
Speaker 1: talent take advantage of it. Yeah, so I really we'll
9:10
Speaker 1: try to process that, especially at young age, and you've
9:13
Speaker 1: got people older than you, um, who you looked up to.
9:17
Speaker 1: And what I found was, you know, you can become
9:20
Speaker 1: a product in your environment where you know, folks didn't
9:23
Speaker 1: expect you, you know, they generalized you. They didn't expect
9:26
Speaker 1: you to have success in the classroom. They didn't expect
9:28
Speaker 1: you to you know, have a mind and be able
9:30
Speaker 1: to speak it and be able to articulate it. Um.
9:34
Speaker 1: So for me, it was that it was a challenge.
9:36
Speaker 1: You know, I made that a challenge. You know, Okay,
9:38
Speaker 1: I'm gonna show you that it's more than dribbling the ball.
9:41
Speaker 1: You know, I'm gonna be able to have success in
9:42
Speaker 1: the classroom. I'm gonna be able to uh spark a
9:46
Speaker 1: debate and be able to articulate you know why I
9:48
Speaker 1: feel the way that I feel, And I'm gonna learn
9:52
Speaker 1: as much as I can to be able to have
9:54
Speaker 1: success in those conversations. So it was just it was
9:57
Speaker 1: a challenge that I tried to put on my self
10:00
Speaker 1: and you completed. Man, you know, just here and you talk,
10:04
Speaker 1: you know, just here, the strength in your tone, the
10:07
Speaker 1: knowledge um, your mom. You know, I'll be remissed if
10:11
Speaker 1: I don't bring her name up. Doing this conversation, just
10:15
Speaker 1: tell us the impact that she had in your life
10:18
Speaker 1: and and how are you caring that impact to affect
10:21
Speaker 1: other people positively. Yeah, my mom was very instrumental and
10:27
Speaker 1: you know everything that I did, you know, even in
10:29
Speaker 1: playing sports. Uh, she played a little bit of ball,
10:32
Speaker 1: but she understood the game. She watched the game, and
10:35
Speaker 1: she was very specific in terms of where her goals
10:39
Speaker 1: were and where she wanted us to be. Uh. We
10:42
Speaker 1: didn't have to be rich or or you know, we
10:45
Speaker 1: had She had her own definition of success, which was
10:48
Speaker 1: you know, experience in the world, you know, not being
10:52
Speaker 1: having a small town mindset, which a lot of the
10:54
Speaker 1: athletes where I come from, half they're always afraid to
10:59
Speaker 1: experience different. That's why they end up right back at
11:01
Speaker 1: home when they you know, after after a couple of
11:03
Speaker 1: months of college. You know, that was like the norm,
11:06
Speaker 1: you know, go to college for a couple of months
11:07
Speaker 1: and to end up right back home. I couldn't handle
11:09
Speaker 1: the pressures or you know, the you know, weren't astra
11:14
Speaker 1: mayor with that environment and couldn't handle it. So that
11:19
Speaker 1: was stuck in up my mind at a young age.
11:21
Speaker 1: You know, you're getting out, he's going forward and home
11:23
Speaker 1: as possible, and you're gonna see the world and you're
11:26
Speaker 1: gonna maximize your potentials. And she was very tough at times,
11:29
Speaker 1: but she was loving at the same time. You know,
11:31
Speaker 1: I was a mama's boy, so I was very attached
11:33
Speaker 1: to her um. So you know, it's just having somebody
11:37
Speaker 1: that had confidence in you were having somebody that held
11:39
Speaker 1: your accountable. And when you got the line out of line,
11:41
Speaker 1: she put you right back And how you going really sad? Yeah,
11:45
Speaker 1: he didn't play no games, but at the same time,
11:48
Speaker 1: you knew somebody that had your back. You knew it
11:49
Speaker 1: came from a loving place, so you know, it actually
11:53
Speaker 1: made it easy. We know, when I got trouble by
11:54
Speaker 1: my mother, you know I would sit back and reflecting
11:56
Speaker 1: me like I was in the room. You know, most
11:58
Speaker 1: of us should be like on my mom did me wrong,
12:01
Speaker 1: my dad did me wrong, and I don't understand why
12:03
Speaker 1: they're doing this to me. But for me, it was
12:05
Speaker 1: like I don't know what it was. She this was
12:06
Speaker 1: such a great parent that I understood everything she was
12:09
Speaker 1: trying to love it to do or get across, and
12:11
Speaker 1: she just wanted me to be successful. My man NBA
12:14
Speaker 1: all start in twenty twelve, NBA All Start, All Defensive
12:17
Speaker 1: Team twice, NBA World Champion, Olympic Champion also should have
12:23
Speaker 1: been slam Junk Slam Dunk Champion, but that didn't happen
12:27
Speaker 1: because guess what, there's a bad job just sitting at
12:29
Speaker 1: the table. Y'all go out and buy his book. He's
12:31
Speaker 1: my man, Andre Equa Dollar, the sixth Man, getting excited
12:36
Speaker 1: to talk about that slam dunk. They should have gave you,
12:38
Speaker 1: my man. I appreciate you coming on the show, and
12:41
Speaker 1: if you ever need me, tell you PR people to
12:42
Speaker 1: send me some some banners so I can putting on
12:45
Speaker 1: my social media so I can extend the opportunities to
12:47
Speaker 1: promoe out there. Man, you're great, dude. Do not change
12:50
Speaker 1: anything that you do about yourself. Okay, I appreciate it.
12:53
Speaker 1: Thank you so much. We'll be right back from March McDonald.
12:58
Speaker 1: The money making conversations that don't touch that. We were
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Speaker 1: having coffee and I asked Jen where we should go
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Speaker 1: on vacation, and I said, with our bills, I don't
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Speaker 1: see a vacation happening. Yeah. Between our credit cards, a
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Speaker 1: car repair Yeah, that wasn't in the budget anyway. We
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Speaker 1: agreed to take the week to research choices for a
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Speaker 1: credit approval, actual rate, Peace in approval times Berry. Hi,
14:02
Speaker 1: this Rashan McDonald. You're listening to money making conversations everybody
14:06
Speaker 1: knows about to show them, which I really have worked
14:08
Speaker 1: harder the last two years along with my staff to
14:11
Speaker 1: get the message out about money making conversation. Uh, the
14:13
Speaker 1: purpose of money making conversations about entrepreneurship and entertainment. I
14:17
Speaker 1: provide the consumer and business owner access to celebrities, CEOs,
14:21
Speaker 1: entrepreneurs and industry decision makers. They in turn deliver information
14:24
Speaker 1: by career planning, motivation, financial literacy, and how they lead
14:28
Speaker 1: the balance life. And the part of the balance life
14:30
Speaker 1: is giving back. It's something I've been doing all my life.
14:34
Speaker 1: I guess in college in some way I pledged to
14:37
Speaker 1: return into call of making sci fire and allowed me
14:40
Speaker 1: to give back to my community. That way gave me structure,
14:43
Speaker 1: gave me a vorce, and I've been doing it ever
14:46
Speaker 1: since I pleased in eighteen eighty three. So I've been
14:48
Speaker 1: involved in some type of philanthropic give back or some
14:52
Speaker 1: charitable form of being able to say, people who don't
14:55
Speaker 1: have what I have, let me see if I can
14:57
Speaker 1: enable them to get at least close to what I
14:59
Speaker 1: had out. My next guest is a philanthropist and co
15:03
Speaker 1: founder of Kershaw's Challenge. It is co founded in twenty
15:07
Speaker 1: It was co founded in Ellen and her husband, the
15:10
Speaker 1: eight time Major League Baseball All Star Clayton Kershaw. Today,
15:14
Speaker 1: the Kershaw's Challenge seeks to serve vulnerable and at ricks
15:17
Speaker 1: at risk children living in Los Angeles, Dallas, Zambia, and
15:21
Speaker 1: the Dominican Republic. The goal is to partner with organizations
15:25
Speaker 1: that are committed to this as well as and work
15:27
Speaker 1: alongside them on Pacific projects to make life better for children.
15:32
Speaker 1: One of their signature events is the upcoming seventh annual
15:36
Speaker 1: Ping Pong for Purpose, the Number four Purpose, being held
15:40
Speaker 1: at Dodger Stabnum on August eight. Please welcome to Money
15:43
Speaker 1: Making Conversations the very first time, and I'm proud to
15:46
Speaker 1: have them. Ellen Kershaw, Hi, thanks for having me. Excited
15:51
Speaker 1: to be here today to talk about Kershaw's challenge and
15:53
Speaker 1: our events are benefit saries and everything in between. Well,
15:57
Speaker 1: let's talk about it. Let's talk about the date says
15:59
Speaker 1: twenty level it was founded. Yeah, okay, obviously something was
16:03
Speaker 1: bothering you two in life. You're just seeing things and
16:07
Speaker 1: you're going because a lot of times you get frustrated.
16:09
Speaker 1: And I know that I participated in stuff because people
16:12
Speaker 1: have asked me to participate in it. I've lended, I've
16:14
Speaker 1: lent my name and my my dollars as well. So
16:17
Speaker 1: this is a program that you two decided to uh
16:21
Speaker 1: to engage as part of your brain. What drove that commitment?
16:24
Speaker 1: In You know, that's a great question. I don't. I
16:28
Speaker 1: don't know that we ever expected Kirkshaw's Challenge to be
16:30
Speaker 1: where it is today. We didn't. We didn't begin it
16:33
Speaker 1: hoping that it would flourish into what it is become.
16:37
Speaker 1: It honestly started with just this finding, this need that
16:40
Speaker 1: needed to be met right away. And I've been going
16:43
Speaker 1: to Zambia, Africa, my entire college um time, and and
16:47
Speaker 1: it was really important to me that Clayton would go
16:50
Speaker 1: with me right after we got married. That three weeks
16:53
Speaker 1: after we got married, we went to Africa and he
16:55
Speaker 1: got to meet this little orphan, the same hope who
16:57
Speaker 1: I had fallen in love with, and to be honest,
17:00
Speaker 1: the most critical nequish. She just needed a home. She
17:03
Speaker 1: needs a safe place to call home, a stable environment,
17:06
Speaker 1: and a family. And and that's where it began. We
17:09
Speaker 1: realized that Clayton's platform, the talent of baseball, gives us
17:13
Speaker 1: an incredible voice, an opportunity to raise money and awareness
17:17
Speaker 1: for this. And so it was on our plane flight
17:19
Speaker 1: back from that first trip to Zambia that we just
17:21
Speaker 1: decided we were gonna um start this mission and Clayton
17:25
Speaker 1: would donate money for every strikeout he made and and
17:27
Speaker 1: really start to use his platform to give back. So
17:30
Speaker 1: in essence, we didn't expect it to grow to where
17:32
Speaker 1: it is today. We honestly just went in thinking we've
17:35
Speaker 1: got to build this girl at home. We wanted to
17:37
Speaker 1: start with this children's home where orphans just like Hope
17:41
Speaker 1: would have a place to grow up in a family environment.
17:43
Speaker 1: So that's where it began, with just a singular focus,
17:46
Speaker 1: meat and passion, and gosh, it is snowballed and escalated
17:50
Speaker 1: and grown into something beyond. Our wildest dreams were dreams
17:53
Speaker 1: of what made this happen. It was an emotionally what
17:55
Speaker 1: made this happen. I'm speaking to Ellen Kershaw Um. We're
17:59
Speaker 1: discussing the foundation that she started with her husband, Clade Crowshaw.
18:02
Speaker 1: And there's some other cities. We started with Zambia and
18:05
Speaker 1: then but you have Los Angeles, you have Dallas, and
18:07
Speaker 1: we're gonna talk about the Dominican Republic. Los Angeles were
18:10
Speaker 1: your base. So I think that's a natural relationship that
18:13
Speaker 1: you walk out your front door, you see trouble, you
18:16
Speaker 1: want to fix it close to home. But Dallas, so
18:21
Speaker 1: Dallas is where Clayton and I are goes from We
18:23
Speaker 1: actually spend our off season there. We still very much
18:26
Speaker 1: consider that our home base. So um, even though we're
18:28
Speaker 1: in l A during the season, and that absolutely become
18:31
Speaker 1: a second home to us. We also spend a good
18:33
Speaker 1: amount of time in Dallas, and for a while we
18:35
Speaker 1: were only getting to go to Africa once a year
18:37
Speaker 1: during the off season, and UM, Clayton and I heart
18:40
Speaker 1: just continued to crave service and finding those kids who
18:43
Speaker 1: are vulnerable and in need, and um that we could
18:46
Speaker 1: be touching throughout the baseball season and during the off season.
18:49
Speaker 1: So that's how we began to include Los Angeles and Dallas.
18:52
Speaker 1: Are are two home bases to Curtius challenge. You have
18:54
Speaker 1: Arma Texas bar from Houston, Texas. So I didn't know.
18:57
Speaker 1: I didn't know y'all with Texas. So this is kind
19:00
Speaker 1: says you got in most spec Now, now mean did
19:04
Speaker 1: your Dallas you know, you know you up in Dallas,
19:06
Speaker 1: you know you're used to really where it's happening. I'm
19:08
Speaker 1: gonna just let you know that, Ellen, I'm just gonna
19:11
Speaker 1: let you know. There's my show. I could say that,
19:13
Speaker 1: but you do some great cause. Now not a Dominican Republic,
19:17
Speaker 1: How did we get over there to the Dominican Republic.
19:19
Speaker 1: So that was really important to Clayton. That actually is
19:22
Speaker 1: where his passion really stemmed from. He has had so
19:25
Speaker 1: many teammates that have come from the d R, and
19:27
Speaker 1: you know, over there, baseball is value that kind of
19:30
Speaker 1: the most important. That for a lot of kids, the
19:33
Speaker 1: ticket off the island and they just kind of hold
19:35
Speaker 1: it with such reverence that sport. That Clayton really knew
19:38
Speaker 1: how powerful his voice and his platform would be over there.
19:42
Speaker 1: And and he's met so many baseball players that were
19:45
Speaker 1: once those honorable kids that really needed an extra boost
19:48
Speaker 1: and a helping hand to get them to where they
19:51
Speaker 1: are today. So that's where that's where we added on
19:54
Speaker 1: the Dominican Republic. Okay, cool. So you have like four locations.
19:57
Speaker 1: You have Dallas, Zambi Up, and Dominical Republic in each location.
20:02
Speaker 1: Is the responsibility of the purpose the same in each
20:04
Speaker 1: location or do they shift based on needs? You know,
20:08
Speaker 1: it does shift based on needs. But the essence of
20:10
Speaker 1: Kershaw's challenge is vulnerable and at rich children. Especially when
20:14
Speaker 1: Clayton and I became parents ourselves, it is unimaginable for
20:17
Speaker 1: us to think about kids out there who don't have
20:20
Speaker 1: a stable environment, a safe place to call home, as
20:22
Speaker 1: our kids do, and so really our heart reaches in
20:25
Speaker 1: a whole new capacity once he's become parents. I know
20:28
Speaker 1: that you know I'm a parent. I know exactly what
20:30
Speaker 1: I see um kids who are being abused, the kids
20:33
Speaker 1: that don't have what I think it's should be normal,
20:36
Speaker 1: it really is. It's really uh, it's unexplainable. So I
20:40
Speaker 1: find what you're saying very relatable. From an emotional standpoint,
20:43
Speaker 1: I find it amendable that you took your emotion and
20:46
Speaker 1: turned it into a passion. That passion became an idea
20:49
Speaker 1: and using Now now you know you say your husband
20:53
Speaker 1: Clayton Clayton and then you say, hey, Rashan, let me
20:56
Speaker 1: just get your straights. Zambia was was something I was
20:58
Speaker 1: involved in when I was in college. Now, how did
21:01
Speaker 1: y'all Brunette scope together and they formed this? This is
21:05
Speaker 1: now we're twenty eleven. Now you know you you got
21:07
Speaker 1: this passion. You know you you're making decisions that you
21:10
Speaker 1: have four four cities already in place, or did you
21:13
Speaker 1: start with one city and just started expanding. That's a
21:16
Speaker 1: great question. M Clayton and I actually started dating when
21:19
Speaker 1: we were in high school. We were just fourteen years
21:21
Speaker 1: old and best friends. And and then I actually went
21:23
Speaker 1: off to college at Texane m and I'm a university
21:29
Speaker 1: used in Cougar. Now you need to stop talking. Now
21:31
Speaker 1: you need to stop talking. Thanks gim. We have these
21:41
Speaker 1: four years where both of us really got to flourish
21:43
Speaker 1: on our own and we were still dating, but he
21:45
Speaker 1: was pursuing his dream of baseball, and meanwhile I was
21:48
Speaker 1: going to spending my college summers going to Africa, and
21:51
Speaker 1: so we almost were going down the two completely opposite past,
21:55
Speaker 1: both both pursuing our passions and dreams, and and part
21:58
Speaker 1: of us were a little it worried about like how
22:01
Speaker 1: can these actually ever intersect? How are we going to
22:03
Speaker 1: figure out how we suppose get to do what we
22:05
Speaker 1: are passionate about, and how there be any overlap. And
22:09
Speaker 1: that's kind of the beauty of Kershaw's challenge. It it it
22:11
Speaker 1: is the perfect culmination of my passion for Zambia and
22:16
Speaker 1: the orphans there, and Clayton getting to use his platform
22:19
Speaker 1: to rescue him to bring awareness to them, to raise
22:22
Speaker 1: a lot of money for them. And even though it
22:25
Speaker 1: began as my passion and my calling, I mean once
22:28
Speaker 1: Clayton went over there and thought from himself, you you
22:31
Speaker 1: can't help, but it becomes your passion and your calling
22:33
Speaker 1: to it. Just it changes who you are, and um,
22:36
Speaker 1: you leave a part of your heart over there that
22:38
Speaker 1: you never get back. Um, it's very much become a
22:41
Speaker 1: part of who he is as well. Never let's talk
22:43
Speaker 1: about this because I know when you do locations like this,
22:47
Speaker 1: you have to pardon with organizations that are already committed
22:50
Speaker 1: in this direction. How do you select it? Because that's
22:52
Speaker 1: a trust factor, because now you're putting your brand and
22:55
Speaker 1: your association and you know sometimes when you do good,
22:58
Speaker 1: if you do good with the wrong people, they can't
23:00
Speaker 1: come back with a negative back back lash. How do
23:03
Speaker 1: you selectly? You know, how do you how do you
23:07
Speaker 1: partner up with? How do you vent the organization that
23:09
Speaker 1: you're partnering up with? You know, we have a really
23:12
Speaker 1: extensive application and interview process and um, we ask for references,
23:18
Speaker 1: we do site visit, um arise Africa with who we
23:22
Speaker 1: partner with an Africa and we've actually Clinton and I
23:24
Speaker 1: got to be with them from the very beginning and
23:26
Speaker 1: so in essence we've a little bit gotten to help
23:28
Speaker 1: them grow and grows from the very beginning, and that's
23:31
Speaker 1: made a huge different set. What are some of the
23:34
Speaker 1: other upcoming projects that the Kershaw's Challenges doing this year
23:37
Speaker 1: and in the future. So locally in l A. Actually
23:41
Speaker 1: next week, we have this event. It's really special. It's
23:44
Speaker 1: called the Back to School Bash, and we partner with
23:46
Speaker 1: the Dream Center here in Los Angeles. We get to
23:48
Speaker 1: pack up pass out thousands and thousands of backpacks two
23:52
Speaker 1: kids who are about to start school and maybe you're
23:55
Speaker 1: going into the school, you're feeling very unprepared. Um. And
23:58
Speaker 1: so these families thing line up around the block starting
24:02
Speaker 1: at c a m. In the morning, just to make
24:04
Speaker 1: sure that their kid get a backpack filled with all
24:07
Speaker 1: of the school spots they'll needs that these parents can't
24:10
Speaker 1: provide themselves. And so once um, once the kids and
24:14
Speaker 1: the families enter the line starting at ten am, I
24:17
Speaker 1: mean they've now waited out there for seven hours hoping
24:19
Speaker 1: to be one of the first two lines. And Clayton
24:22
Speaker 1: and I get to stand at the front of the
24:23
Speaker 1: lines and and see the smiles on these kids faces,
24:26
Speaker 1: just feeling like they are now fully prepared and equipped
24:29
Speaker 1: to start school. But once they enter the Back to
24:31
Speaker 1: School Bash, it's pretty magical. Um. We get to do
24:35
Speaker 1: I exam physicals, UM, back to school shopping, we have
24:39
Speaker 1: racks of clothes, we do bike giveaways, haircut to start
24:43
Speaker 1: school off. Really just all the things that I grew
24:47
Speaker 1: up very much taking for granted. And these kids don't
24:50
Speaker 1: they realize what an opportunity this is. And um, they're
24:54
Speaker 1: just very thankful and it's incredible to get to witness
24:56
Speaker 1: first hand passing a backpack out to a kid that
24:59
Speaker 1: otherwise would not get that before school started. Awesome, before
25:03
Speaker 1: I go, uh, we've got a one mint enough. In
25:04
Speaker 1: this interview, I want to talk about how people can
25:06
Speaker 1: give back and find out more about challenge. So you
25:11
Speaker 1: can go to Kershaw's Challenge dot com that has all
25:14
Speaker 1: of the information that anybody would need. Ways to get involved.
25:17
Speaker 1: We have UM sometimes throughout the year we'll be selling
25:20
Speaker 1: T shirts. You can represent here different stories of people
25:24
Speaker 1: that are also giving back in their own unique ways.
25:26
Speaker 1: Here about all the beneficiaries that we're getting to raise
25:29
Speaker 1: money for this year. UM. That's where you can find
25:32
Speaker 1: all of the information, but also follow us on social media.
25:35
Speaker 1: We've got an Instagram account, of Facebook page, Twitter accounts,
25:39
Speaker 1: and daily we are posting updates on those so um
25:42
Speaker 1: we love our followers to follow along here the daily
25:45
Speaker 1: changes and impact. Well, I would tell you something not
25:48
Speaker 1: on the before a route on the back of school
25:50
Speaker 1: batches that open to everybody, or these family screened or
25:53
Speaker 1: can I post it on social media? It is open
25:55
Speaker 1: to It is open to everybody. They just need to
25:57
Speaker 1: look up the Dream Center in Los Angeles meet us there. Okay, cool,
26:01
Speaker 1: thank you for coming on my show. You're amazing. Uh,
26:05
Speaker 1: what's continued success? I'm an Astro fan, but I wish
26:07
Speaker 1: continue says with the Dodges. Do they meet the astrod
26:11
Speaker 1: serial keep I'm a post as much as I can
26:14
Speaker 1: to promote everything that you do in the future. Okay,
26:16
Speaker 1: thank you for calling. We'll be right back with more
26:20
Speaker 1: from McDonald of money making conversations. That we were having
26:24
Speaker 1: coffee and I asked Jen where we should go on vacation,
26:26
Speaker 1: and I said, with our bills, I don't see a
26:29
Speaker 1: vacation happening. Yeah, between our credit cards, a washer and
26:33
Speaker 1: stove we bought on credit, and that unexpected car repair, yeah,
26:37
Speaker 1: that wasn't in the budget anyway, we agreed to take
26:40
Speaker 1: the week to research choices for a fixed rate personal
26:42
Speaker 1: loan that would let us consolidate all our bills into
26:45
Speaker 1: one low monthly payment and maybe have some leftover for vacation.
26:49
Speaker 1: And the crazy thing is we both chose best egg
26:52
Speaker 1: dot com Right best Day got five stars on Consumer
26:55
Speaker 1: Affairs for their easy online loan app that takes about
26:58
Speaker 1: a minute and doesn't impact your credit score. Yeah, and
27:01
Speaker 1: we got approved in one business day for an amazing
27:03
Speaker 1: personal loan. We paid off all our cards and bills
27:07
Speaker 1: and still lowered our monthly payment. Yeah, and now we
27:09
Speaker 1: saved enough to take a little vacation. Yeah. Get your
27:12
Speaker 1: bills under control and your finances back on track at
27:16
Speaker 1: best egg dot com slash Life. Best egg dot com
27:20
Speaker 1: slash Life subject to credit approval, actual rates, vis and
27:23
Speaker 1: approval times. Verry. Let me tell you about the host
27:30
Speaker 1: of money Making Conversations, Rashaan McDonald. He's a social media influencer.
27:35
Speaker 1: Of his seven hundred thousand plus social media followers are female.
27:39
Speaker 1: He's a two time Emmy Award winner, three time n
27:42
Speaker 1: double A CP Image Award winner, sitcom writer, stand up comic,
27:46
Speaker 1: former IBM executive, and has a degree in mathematics. More importantly,
27:51
Speaker 1: Rashan McDonald will use his business and celebrity relationships to
27:54
Speaker 1: empower small businesses with information to succeed. My next guest
28:02
Speaker 1: is one of those people and the entrepreneurship lane, but
28:06
Speaker 1: she's tied to education. So you're getting two things out
28:09
Speaker 1: of you. Get your life right from a from a
28:12
Speaker 1: business standpoint, and get your life right from an educational standpoint,
28:16
Speaker 1: because she's trying to make your life right after you
28:19
Speaker 1: got your degree, because a lot of times if you
28:21
Speaker 1: go to school, you can walk away. Was it dead?
28:24
Speaker 1: My next guest is the CEO of an award winning
28:26
Speaker 1: business called the Student Loan Doctor. The Student Loan Doctor
28:31
Speaker 1: is a student debt repayment company. She's considered the people's
28:35
Speaker 1: expert for all matters related to student loan debt repayment.
28:39
Speaker 1: She has over seven years of practical, higher education and
28:42
Speaker 1: financial aid experience. Please welcome to money making conversation. Son,
28:47
Speaker 1: your Lewis. Thank you so much for having me. I'll
28:52
Speaker 1: tell you what that was. A that was an applause
28:54
Speaker 1: driven up. You gotta get some applause, Sam, you know,
28:56
Speaker 1: because I'm doing these applause Nowaday. You know, it's like,
28:59
Speaker 1: you know, like I'm a I'm a performer. So usually
29:01
Speaker 1: when people introduced me on the stage, it's applause that
29:04
Speaker 1: carries me on the stage. So now I'm setting up
29:06
Speaker 1: to all these great introduces, introductions and individuals. I need
29:09
Speaker 1: a little paul. I'm not you know, it's something that
29:11
Speaker 1: I don't have to pay for. Mixture is a copy free, okay,
29:15
Speaker 1: trademark free. You know how you doing? Ms Lewis, I'm
29:20
Speaker 1: how are you today? I'm doing fine? And where are
29:22
Speaker 1: you based that right now? Calling from? Yeah? Okay, I've
29:29
Speaker 1: just talked to another good friend up there in the
29:31
Speaker 1: Philadelphy A area. I've been spent a lot of time
29:34
Speaker 1: up there in New York. I take to exhale the
29:37
Speaker 1: sale down from New York to d C. That's my
29:40
Speaker 1: favorite way. I don't jump on the plane. I just
29:42
Speaker 1: hop on that amtract train come on down. So I'm
29:44
Speaker 1: always passing through Philly and it's a great opportunity to
29:48
Speaker 1: get some good food. I just hang out and fairly
29:50
Speaker 1: a lot. When I was imagining, Steve Harvey was there
29:53
Speaker 1: at the Rich call to right downtown, that little area
29:55
Speaker 1: down there, right across from that bookstore down there, That's
29:58
Speaker 1: where I would hang out. So Philly area is good
30:01
Speaker 1: to me. Now you my friend started the student long doctor. Yes,
30:07
Speaker 1: because I was going through my own trials. In general,
30:13
Speaker 1: that usual gives your inspiration. That gives you inspiration when
30:18
Speaker 1: you're going through the problem. How do I fix this problem?
30:21
Speaker 1: Then you're fixing? You go you don't Maybe I can
30:22
Speaker 1: fix this for other people. So what was your problem?
30:24
Speaker 1: Give us your story about your dad that really traumatized
30:28
Speaker 1: you to the point that you you're inspired to fix
30:32
Speaker 1: other people's problems. Yeah. So I started getting help with
30:36
Speaker 1: my death because I really realized that I wasn't living
30:40
Speaker 1: the life that God had told me to live. So
30:43
Speaker 1: you can't be a good giver broke, and you can't
30:46
Speaker 1: motivate or be encouraging to anyone if you are down
30:48
Speaker 1: and dump yourself. And a lot of times I felt
30:51
Speaker 1: like our problems fell from finances, right, So I had
30:55
Speaker 1: to get me together. But if you're a good friend
30:57
Speaker 1: and you care about the people around you, you want
30:59
Speaker 1: to help them themselves together too. So I started to
31:03
Speaker 1: help my friends and family because I'm like, they don't
31:06
Speaker 1: know this information. I know they would have told me, right,
31:09
Speaker 1: So I started helping people, and then people at the
31:13
Speaker 1: church started to tell other people about the work we
31:16
Speaker 1: were doing on Sundays after church. And you know I've
31:20
Speaker 1: said Jesus saidn't say everybody had to be free. Now
31:23
Speaker 1: I didn't. I didn't hear that. I didn't see that
31:24
Speaker 1: in the scripture. So I started consulte when people want
31:29
Speaker 1: about their stead the loans, because it was this thing
31:31
Speaker 1: that everybody was coming to me for. Now. This is
31:34
Speaker 1: my professional background. UM. For over nine years, I've been
31:37
Speaker 1: doing this work UM for other colleges and universities. So
31:41
Speaker 1: I'm like, well, what would it look like to do
31:43
Speaker 1: it for yourself. So for the last three years, I've
31:47
Speaker 1: been in business, initially myself for a year, and then
31:51
Speaker 1: the last two I've hired a wonderful team to help
31:54
Speaker 1: me take on uh this one point five trillion dollars
31:57
Speaker 1: dead Now. I'm just gonna let you know. I was
32:00
Speaker 1: talking to my staff a stay off the camera afradio,
32:04
Speaker 1: excuse me, and we was talking about I was watching
32:06
Speaker 1: this special NBC and it was these students, a group
32:09
Speaker 1: of students out there who are in debt, and they're
32:11
Speaker 1: just saying, we're not paying it back, We're just refusing
32:14
Speaker 1: to pay. We're just gonna be it's comes out if
32:16
Speaker 1: they ain'tven got a hashtag we won't pay, And I'm
32:20
Speaker 1: going like, okay, how you how can you how? First
32:23
Speaker 1: of all, I was mad at him because you know,
32:25
Speaker 1: they just they were showing them shredding up their invoences.
32:28
Speaker 1: They were coming in and going like really really, so
32:31
Speaker 1: if you don't pay, who's gonna pay? So so, first
32:34
Speaker 1: of all, I'm reckoning, I'm burning his little face, you know,
32:36
Speaker 1: because they wouldn't reveal his name, you know, for some ready,
32:39
Speaker 1: but they just showing his face. I don't know, I
32:41
Speaker 1: don't know how, I don't know what what education they got,
32:44
Speaker 1: But if I see your face, I'm eventually gonna know
32:46
Speaker 1: your name, especially if you're gonna want a job one day.
32:49
Speaker 1: So you have this group of students out there who
32:52
Speaker 1: are ignoring their responsibility. I'm gonna say, they've accepted the
32:57
Speaker 1: the financial aid to get a degree. Now they've left
33:01
Speaker 1: college and I'm not gonna pay. What do you say
33:04
Speaker 1: the individuals that are doing that out there? So that's
33:09
Speaker 1: not a good plan. Um, this is the only day
33:12
Speaker 1: in the United States of America that you don't have
33:14
Speaker 1: to be a part of for them to collect on.
33:17
Speaker 1: I know that people are frustrated I know that they
33:19
Speaker 1: are mad, but no one's trying to gun to these
33:22
Speaker 1: people's head in terms of borrowing. Right, So you knew
33:25
Speaker 1: when you were borrowing elected that there's the situation here
33:28
Speaker 1: where they may be incapable of being good borrowers and repayment.
33:32
Speaker 1: But other than that, you knew about this that, right,
33:35
Speaker 1: So shredding up the paper, that's fine because when they
33:38
Speaker 1: electronically go into that bank account or to that employer
33:42
Speaker 1: that is mandated to get fIF team per cent per check,
33:45
Speaker 1: it is not going to be a game anymore. So
33:48
Speaker 1: we don't we don't want to institute that plan. So
33:51
Speaker 1: uh so that was that was professionally stated, but very
33:55
Speaker 1: funny because I thought the same thing. Okay, I got
33:59
Speaker 1: a problem with you because guess what, nobody Nobody just
34:02
Speaker 1: stopped you. Now you want to stop the system from collecting. Now,
34:06
Speaker 1: let's we want to go through some of them, some
34:08
Speaker 1: some questions that were presented to me so I can
34:10
Speaker 1: make sure I get all the information that and people.
34:13
Speaker 1: First of all, how can people contact you. Let's get
34:15
Speaker 1: that out the way first, and we're gonna do now
34:17
Speaker 1: at the end of the ship. Yeah, the best play
34:20
Speaker 1: is doctor, please help me dot com doctor, please help
34:23
Speaker 1: me dot com um where they can call us. Uh,
34:26
Speaker 1: they can do that as well to six seven three
34:28
Speaker 1: eight six one one one six or I always say.
34:32
Speaker 1: The fun for us is on social media Instagram, particularly
34:36
Speaker 1: at the Student Loan Doctor. We post about all of
34:39
Speaker 1: our events, our webinars. We do a lot of free
34:42
Speaker 1: community education, so you don't have to ever buy anything
34:45
Speaker 1: from us. But we're going to continue every two weeks
34:47
Speaker 1: for the new webinar on a different area, different focus.
34:50
Speaker 1: About still alone debt. Okay, you know, because some people
34:53
Speaker 1: get all the way through med school, we have two
34:55
Speaker 1: hundred fifty dollars in debt. So when you get out, okay,
34:59
Speaker 1: I can't. I can't cry about that because you knew
35:02
Speaker 1: that you went to school that far because you were
35:04
Speaker 1: trying to get a job. They're gonna pay you a
35:05
Speaker 1: lot of money. And then you now the government saying
35:09
Speaker 1: we're gonna know, we want to know about that debt
35:11
Speaker 1: before you try to buy a home, correct exactly, So
35:16
Speaker 1: they won't even allow you to buy a home. In
35:18
Speaker 1: the pre approval process, you're gonna be held up. So
35:21
Speaker 1: don't even get your credit check because you just need
35:24
Speaker 1: to know going into that's what you're listening today. Put
35:27
Speaker 1: your loans and repayments first. And we partner with so
35:31
Speaker 1: many potential home buyers because we have different lenders in
35:34
Speaker 1: different programs that if you owe over fifty thousand loans,
35:37
Speaker 1: you could still get a home, but we've got to
35:39
Speaker 1: be savvy about how we have to show up on
35:41
Speaker 1: your credit report, and we help. I would say close
35:44
Speaker 1: to three hundred potential buyers a month with this process,
35:47
Speaker 1: so we're very familiar with it. Three hundred potential buyers
35:51
Speaker 1: a month. Yes, this, I'm sure. I'm assuming this is
35:56
Speaker 1: country nationwide that you're getting these calls. Oh yeah, exactly
36:00
Speaker 1: what we were nationwide was client Jack. I think she
36:04
Speaker 1: said that, like us, do you know who you're talking to?
36:07
Speaker 1: We're not just statewide to say, we not wrapped into
36:09
Speaker 1: a zip code with nationwide. In fact, we worldwide. Sometimes
36:13
Speaker 1: when they die alone number we tell no, we don't
36:15
Speaker 1: do anything. You know, it's funny if we do have
36:18
Speaker 1: worldwide clients. But there us decision. I don't know if
36:22
Speaker 1: that there you go, there you go. Let's talk about
36:25
Speaker 1: what does consolidation of my loans mean? That was one
36:28
Speaker 1: of your questions. Yeah, I think we don't support and
36:33
Speaker 1: a lot of people don't understand consolidation, and then they
36:35
Speaker 1: get tricked and they think that the loan will go
36:37
Speaker 1: away or they paid you off the full. No, no,
36:39
Speaker 1: novalidation is just to some photo all your loans into
36:43
Speaker 1: one manageable payment with one lender. And in order to
36:46
Speaker 1: be eligible for home money and service forgiveness programs, you
36:49
Speaker 1: do need to consolidate your loans. It can change the
36:53
Speaker 1: terms of your repayments. So it could make your overall
36:55
Speaker 1: interest rate high because it's the some average of your
36:58
Speaker 1: all of your loans and they're just rate. So that's
37:01
Speaker 1: not fun. But a lot of lenders and again those
37:04
Speaker 1: public service don't forgive this program um that are real, right,
37:08
Speaker 1: they are inconsolidation. Well, you know, I want to tell everybody,
37:11
Speaker 1: like early on in my life or you know, I
37:13
Speaker 1: had multiple credit lines of credit that will open and
37:17
Speaker 1: I consolidated. One of the best moves I did was
37:19
Speaker 1: consolidated my loans into a single payment. But you have
37:22
Speaker 1: to remember that's a debt, so you don't just suddenly
37:26
Speaker 1: go out there those charges, those credit cards that you
37:29
Speaker 1: cleaned up, don't start using them until that single debt
37:32
Speaker 1: is paid up. And that's what people make a lot
37:34
Speaker 1: of mistakes. They go, Okay, a single single payment, Yes,
37:38
Speaker 1: but that single payment resolved some issues over here that
37:41
Speaker 1: you were having because you got out of hand on
37:43
Speaker 1: your spending. So pay off that single debt, live on
37:48
Speaker 1: the cash lifestyle, and that's that's I think it's important
37:51
Speaker 1: that people understand that because I do that problem. I
37:54
Speaker 1: do that in my credit cards because if I charge
37:56
Speaker 1: something that month, then I'm gonna pay it off at
37:58
Speaker 1: the end of the month. I do not overcharge. I
38:01
Speaker 1: do not charge anything I can't pay off in thirty days.
38:03
Speaker 1: I really don't. If I'm gonna charge it, it's gonna
38:06
Speaker 1: be paid off in thirty days. Do not ever charge
38:08
Speaker 1: anything that you go, well, I paid off down the line,
38:11
Speaker 1: because the interest rates will kill you and you can't
38:14
Speaker 1: write it off. You can't write it off. That's my
38:17
Speaker 1: little note about consolidate loans, like we won't talk about
38:20
Speaker 1: you can you kind of hit on this a little
38:22
Speaker 1: bit earlier how to resolve default a wage garnish loans. Yes,
38:29
Speaker 1: So this is a big challenge because so many people,
38:32
Speaker 1: like the example you gave by like I'm not paying it,
38:34
Speaker 1: rip it up right. So that's the group that we'll
38:36
Speaker 1: be hearing from in about nine months, two hundred and
38:39
Speaker 1: seventy business days. Right, So that's the group who want
38:42
Speaker 1: to see you know, they're not having pleasant days at
38:45
Speaker 1: work because they're checking sixteen percent smaller each pay period.
38:49
Speaker 1: Could could wage garnishment and the fault can be resolved. Right,
38:55
Speaker 1: you'd like to do it through consolidation. You might can
38:57
Speaker 1: do it through an affordable repayment plan. But when it
39:00
Speaker 1: gets to that point, that's when collection agencies take over.
39:04
Speaker 1: They take it over and they're not the nicest people.
39:07
Speaker 1: So we help people before or even once they're at
39:09
Speaker 1: that point because it's stressful. I mean literally, it's their
39:13
Speaker 1: job to make you not want to come to an agreement.
39:15
Speaker 1: Because if the collection agency can keep the loans that
39:18
Speaker 1: they were given to work on behalf of the lender,
39:21
Speaker 1: they get to add a six thousand dollar administration feed.
39:25
Speaker 1: So if you never own up to this or you
39:28
Speaker 1: start paying on it without a correct agreement, you just
39:31
Speaker 1: added six thousand dollars to your bill. And a lot
39:34
Speaker 1: of people don't know that. It's at the top of
39:35
Speaker 1: the letter. But of course people don't read every detail.
39:39
Speaker 1: Everybody know about people don't let everybody know what garnish
39:42
Speaker 1: in your wages. You know, like you get you you
39:44
Speaker 1: get your check, let's say six, and the taxes come out.
39:48
Speaker 1: The tax is going to come out, the taxes, the
39:50
Speaker 1: taxes come out, and then that mouth is left. That's
39:53
Speaker 1: the part that's garnish. You know, they don't. They don't
39:58
Speaker 1: garnish the whole of my out before taxes, taxes come out.
40:02
Speaker 1: Uncle Sam gets his money. Then whenever you got left, god,
40:07
Speaker 1: well you got some some child support payments where you've
40:09
Speaker 1: really got problems, then you know, because they're gonna get
40:11
Speaker 1: their money, don't care whatever left, They're gonna get their money.
40:14
Speaker 1: And then it just keeps getting small and small and smaller. Ms. Lewis,
40:17
Speaker 1: I want to thank you for coming on the show
40:19
Speaker 1: that you are just you are entertaining. Are you all?
40:21
Speaker 1: I know that down here and said you're you're very
40:24
Speaker 1: popular expert speaker across the country. You've shown it on
40:27
Speaker 1: this show. And can you tell everybody the phone number
40:30
Speaker 1: again as well as the website so they could be
40:32
Speaker 1: one of those three hundred callers that they call. They
40:36
Speaker 1: call you that number and they want to get support
40:37
Speaker 1: and help and maybe one of those international callers who
40:40
Speaker 1: got property stay side. Yes, So we're open today on
40:43
Speaker 1: the nine pm Eastern uh to six seven three six
40:47
Speaker 1: one one one six and then our website is doctor
40:50
Speaker 1: Please Help Me dot com and on Instagram you can
40:53
Speaker 1: follow my page at the Student Loans Doctor. So thank
40:57
Speaker 1: you so much for having us and I really appreciate
40:59
Speaker 1: your time today and making awareness to this issue. You're
41:03
Speaker 1: you're fantastic and we'll have you back. Thank you for
41:06
Speaker 1: coming on the show. This for Sean McDonald. You're listening
41:08
Speaker 1: to money making conversations. We were having coffee and I
41:11
Speaker 1: asked Jen where we should go on vacation, and I said,
41:14
Speaker 1: with our bills, I don't see a vacation happening. Yeah,
41:17
Speaker 1: between our credit cards, a washer and stove we bought
41:20
Speaker 1: on credit, and that unexpected car repair, Yeah, that wasn't
41:24
Speaker 1: in the budget. Anyway, we agreed to take the week
41:27
Speaker 1: to research choices for a fixed rate personal loan that
41:30
Speaker 1: would let us consolidate all our bills into one low
41:32
Speaker 1: monthly payment and maybe have some left over for vacation.
41:36
Speaker 1: And the crazy thing is we both chose best egg
41:39
Speaker 1: dot com right Best Day got five stars on Consumer
41:42
Speaker 1: Affairs for their easy online loan app that takes about
41:45
Speaker 1: a minute and doesn't impact your credit score. Yeah, and
41:48
Speaker 1: we got approved in one business day. We're an amazing
41:50
Speaker 1: personal loan. We paid off all our cards and bills
41:53
Speaker 1: and still lowered our monthly payment. Yeah and now we
41:56
Speaker 1: saved enough to take a little vacation. Yeah. Get your
41:59
Speaker 1: bills under control and your finances back on track at
42:03
Speaker 1: best egg dot com, slash Life, best egg dot com
42:07
Speaker 1: slash Life subject to credit approval actual RATESPIS and approval
42:10
Speaker 1: times very Facebook and everything in life is really good.
42:13
Speaker 1: I'm good. You can hear me now? All right? This
42:14
Speaker 1: was Sean McDonald live. Of course you can hear I
42:16
Speaker 1: can hear myself. Can you hear me? She's my guests.
42:20
Speaker 1: I can't give her my name because she's my guess.
42:22
Speaker 1: He's an untitled person, but she has a robust personality.
42:26
Speaker 1: Each money making man, each money making conversation, radio talk
42:29
Speaker 1: shows about entrepreneurship and entertainment. I provide the consumer and
42:33
Speaker 1: business owner access to celebrities, CEOs, entrepreneurs and industry decision makers.
42:38
Speaker 1: I have an industry decision makers sitting right next to me.
42:41
Speaker 1: Then turn deliver information, which she will do on my
42:43
Speaker 1: show about career planning motivation. Also just tell you how
42:47
Speaker 1: the hell your money too, because she was She's gonna
42:49
Speaker 1: talk as an area that a lot of people don't understand,
42:51
Speaker 1: how how how intertwines and how to lead the balance life.
42:55
Speaker 1: She just came off vacation, so she understands about See,
42:59
Speaker 1: I didn't six teen years I was managing Steve RP.
43:02
Speaker 1: I was just out there grinding, and my wife was
43:04
Speaker 1: always complained. But the checks were good, so the complaints
43:06
Speaker 1: were low. And so so she's coming back. She's neatly tanned.
43:12
Speaker 1: I've been teasing about how she's peeling on her on
43:14
Speaker 1: the tips of her you know, she looks fantastic, but
43:21
Speaker 1: she is feeling. My next guest received her undergraduate degree
43:26
Speaker 1: from the University of Georgia Dog, her Masters and Business
43:30
Speaker 1: administration from Clark Atlantic University, and her PhD in Adult
43:34
Speaker 1: education from the University of Georgia Good Dog. She is
43:38
Speaker 1: the senior vice president inhead of h R for the
43:41
Speaker 1: Atlanta Brace, which she supports the Major League team. Is
43:44
Speaker 1: my link the system, Okay, battery battery park development in
43:49
Speaker 1: all areas of people capital initiatives. Please welcome to my
43:53
Speaker 1: making conversation for the very first time, my first human
43:55
Speaker 1: resources resources expert doctor doctor. I put doctor in there
44:02
Speaker 1: because yes, the reader cold rolls it. It didn't have
44:07
Speaker 1: doctor nowhere. I went PhD. She's a doctor. Let me
44:10
Speaker 1: let me give you respect, because that's that's a leaner.
44:13
Speaker 1: I stopped at the bachelor. I stopped right there, a
44:16
Speaker 1: bachelor math. My size of mathematics, Rochelle was done right.
44:19
Speaker 1: When you go out NBA and pH d, how do
44:23
Speaker 1: you do that? How? What? What motivation leads you to
44:25
Speaker 1: that next level of education. So that's a great question,
44:28
Speaker 1: and I have people say this to me all the time.
44:30
Speaker 1: I did not go back to get my doctor to
44:32
Speaker 1: be called doctor Rhodes. I went back to give me credibility.
44:37
Speaker 1: So when I was able to walk into a room
44:39
Speaker 1: and have a conversation, or walk into a room and
44:41
Speaker 1: have a seat at the table, that helped that. Because
44:44
Speaker 1: the one thing people can't take away from you are
44:46
Speaker 1: two things. They can't take away your experience and they
44:49
Speaker 1: can't take away your education. I agree with that. I
44:51
Speaker 1: always tell people, you can't repoll your degree. You cannot
44:54
Speaker 1: say page I'm getting long with her already. See, I
44:56
Speaker 1: can't teach good. It is my quote. You get that
45:00
Speaker 1: degree because they can't report once it goes on that wall.
45:03
Speaker 1: That's yours exactly. And so so education is important for you,
45:07
Speaker 1: I'm sure for your family. Talk about how you have
45:10
Speaker 1: you have sons, I do, I can talk about how
45:12
Speaker 1: that your educational influence has shaped their lives. Oh, that's
45:15
Speaker 1: a great question. And you know, I have to tell
45:17
Speaker 1: the story about the fact that my grandmother and my
45:20
Speaker 1: great aunt had their degree. So growing up as a
45:22
Speaker 1: little girl, my grandparents, my grandmother had a degree, and
45:26
Speaker 1: they were from Arkansas and a small town in Arkansas.
45:29
Speaker 1: But my parents have their masters. My dad is everything,
45:32
Speaker 1: but he's a b d. Everything but a dissertation. And
45:36
Speaker 1: so it was instilled in us. And by the way,
45:38
Speaker 1: they were all educators, so it was instilled in us
45:40
Speaker 1: that education was something you had to do in order
45:42
Speaker 1: for you to advance, in order for you to take
45:46
Speaker 1: care of your family. And so interestingly enough to me,
45:49
Speaker 1: the challenge and not the challenge, I think my sons
45:51
Speaker 1: had the opportunity to see me through my educational pursuit.
45:55
Speaker 1: The great thing for me is that they actually saw
46:00
Speaker 1: to get my doctorate, and so out of everything else
46:03
Speaker 1: had happened. I think that that helped them at least
46:05
Speaker 1: to view it and see it. We can talk about
46:07
Speaker 1: it all the time, but to really instill something and someone,
46:11
Speaker 1: they need to experience it. We know. It's always great
46:13
Speaker 1: to hear that because I always tell people about young
46:15
Speaker 1: people and people as they grow. It's amazing what what
46:20
Speaker 1: young minds will will will will register. That's why are
46:24
Speaker 1: always sensitive to abuse relationships, because these these young people
46:29
Speaker 1: are seeing things that you might say at one or
46:31
Speaker 1: two years old, it's not it's registered. It is registering
46:34
Speaker 1: for real. And so as they go, oh that it can.
46:37
Speaker 1: It can create an insecure kid, a confident kid, a
46:40
Speaker 1: kid all these different ways that you that you march
46:43
Speaker 1: and say, your your your children, your son saw you.
46:46
Speaker 1: That was a process was defining to them, that was
46:49
Speaker 1: an effort process, and that allows them when you say
46:52
Speaker 1: you can do it, they go, okay, mom did, and
46:55
Speaker 1: that's really important. And I wanted to get that out
46:58
Speaker 1: because I was important as we talked about what you
47:00
Speaker 1: are achieving as a as a professional, So talk about
47:04
Speaker 1: your position at their Lanta break sure and I absolutely
47:06
Speaker 1: love it. It's so funny. I've been doing human resources.
47:09
Speaker 1: I hate to say it over twenty years, and I've
47:11
Speaker 1: had before we get started, what exactly as human resources exactly?
47:14
Speaker 1: That's a great question. So I have this conversation all
47:16
Speaker 1: the time, but I always view as a human resources professional,
47:21
Speaker 1: your goal is to ensure the engagement and the enhancement
47:27
Speaker 1: of staff. And so the reality is that although we
47:31
Speaker 1: call it human resources, I always state that it's people capital.
47:35
Speaker 1: So when you think about the the balance sheet of
47:39
Speaker 1: any organization, the highest cost is your staff, absolutely, and
47:43
Speaker 1: so when you start thinking of it that way and
47:45
Speaker 1: understanding engagement as critical motivation is critical for you to
47:49
Speaker 1: get the best out of staff in yourself, that's what
47:52
Speaker 1: we do. Now. There are other components, of course that
47:55
Speaker 1: goes into that. So I just gave you a really
47:56
Speaker 1: broad view of is and it all comes down to
48:00
Speaker 1: talent acquisition, making sure that you bring in the right
48:04
Speaker 1: talent for the right roles, making sure once they're there.
48:07
Speaker 1: That's the talent management part of that, where you are
48:10
Speaker 1: really enhancing their experience. You are promoting them through the organization,
48:16
Speaker 1: You're teaching them, They're going through learning and development so
48:19
Speaker 1: that they cannot only grow themselves personally, professionally, but also
48:23
Speaker 1: for the organization and so that that component is very
48:26
Speaker 1: critical too, and then all the other aspects that are
48:28
Speaker 1: so important for people. So when you think about what's
48:31
Speaker 1: happening in the world of benefits, in the world of
48:37
Speaker 1: money matters for a one K pension, things of that nature,
48:41
Speaker 1: that's part of what we do to we create tools
48:44
Speaker 1: and we create systems for people to be able to
48:46
Speaker 1: thrive in an organization as opposed to just survive. Let's
48:50
Speaker 1: talk about this for a minute. I'll talk about the
48:52
Speaker 1: whole process of educating an employee. Yeah, yeah, I'm an employer.
48:57
Speaker 1: I'm an employee. I have a certain desire expectation that
49:01
Speaker 1: I should say, and so how do I, Okay, I
49:04
Speaker 1: hire somebody, Um, how do you enhance their value? Because
49:11
Speaker 1: that's the whole purpose of you hire somebody, not to
49:13
Speaker 1: be the person that you hire, but to increase value
49:16
Speaker 1: so they can be an asset for you accomplish your
49:19
Speaker 1: And a lot of times what you think about you're
49:21
Speaker 1: doing is that you are hiring people for their potential.
49:27
Speaker 1: So when you think about hiring people for their potential,
49:31
Speaker 1: you're looking at a piece of paper and you're discerning
49:32
Speaker 1: discerning their resume. But beyond that, it is first teaching
49:37
Speaker 1: them about the organization, have them go through the level
49:40
Speaker 1: of new higher orientation. It gives them an understanding of
49:43
Speaker 1: a culture. And then from there in their specific role,
49:47
Speaker 1: you're either growing them, enhancing them, are you're building them.
49:51
Speaker 1: And so there's a whole lot of ways you need
49:53
Speaker 1: to think about it. And so when I think about
49:56
Speaker 1: strategy around learning and development and taking an individual understanding
50:01
Speaker 1: what their raw skills right and then putting them and
50:05
Speaker 1: putting them in situations where they get you can get
50:08
Speaker 1: classroom learning, but for me, experiential learning is just as
50:12
Speaker 1: critical because going through an experience allows you to understand it. Now,
50:16
Speaker 1: it's really interesting when I watch your education because you know,
50:20
Speaker 1: Georgia than HBCU than Georgia. Let's let's talk about that journey,
50:25
Speaker 1: because I feel that it's important we talk about that
50:28
Speaker 1: because HBCUs don't get the credit oftentimes as an education opportunity,
50:35
Speaker 1: of valid education opportunities. You know, a lot of you know,
50:38
Speaker 1: Howard is like our Harvard that you know, everybody talks
50:41
Speaker 1: about Howard, but it's a spellment also talks about spell.
50:44
Speaker 1: But those those who two to really get that, uh,
50:47
Speaker 1: those to you your home running have a great alumni
50:50
Speaker 1: UH partnership. They passed up students. So talk about your
50:55
Speaker 1: experience of Georgia HBCU Georgia. I love tell a story
51:00
Speaker 1: because my parents both graduated from UM Arkansas, the Universe
51:05
Speaker 1: of Arkansas and pan BLA. So they both went to
51:07
Speaker 1: U A p B. And when I was getting ready
51:11
Speaker 1: to go to college, they were like, you need you
51:13
Speaker 1: can get into U A p B. And I was like, no,
51:15
Speaker 1: I am running as far as I can from an
51:16
Speaker 1: h B c U. I'm not doing that. So I
51:19
Speaker 1: did my undergraduate experience at the University of Georgia. Very
51:22
Speaker 1: rich experience, very amazing experience. But there was one thing
51:24
Speaker 1: I was missing. It was the community that I know
51:28
Speaker 1: my parents had. Yeah, that I and my grandmother they
51:32
Speaker 1: were telling because my grandmother went to U A p
51:34
Speaker 1: B two But all right, and I was like, oh,
51:36
Speaker 1: I know this, I'm going to Georgia. The moment that
51:40
Speaker 1: I had the opportunity and knew that I was going
51:42
Speaker 1: to go back and get my m B A, I
51:44
Speaker 1: knew I was going to an HBCU and so the
51:47
Speaker 1: experience that I got from and again not taking anyway
51:51
Speaker 1: from a majority school, the experience I got at U
51:54
Speaker 1: A p B was absolutely amazing. Those people that I
51:57
Speaker 1: graduated with, it was sixty two of us. All of
52:00
Speaker 1: them were in my wedding. Two of them for them
52:03
Speaker 1: are very close friends of mine. We have forged relationships.
52:06
Speaker 1: And the other thing that I would say to you,
52:08
Speaker 1: my whole thought process around perseverance came from going to
52:12
Speaker 1: A two an HBCU and just the community that I
52:15
Speaker 1: built there. I can talk about Dr Kimbro, I can
52:18
Speaker 1: talk about Dr Davis like I can call these gentlemen
52:21
Speaker 1: still up to this day. And when I got ready
52:23
Speaker 1: to go back to get my doctorate, I did and
52:26
Speaker 1: they gave me a recommendation without a question, which is
52:29
Speaker 1: about relationship. That is exactly right. But a lot of
52:32
Speaker 1: people don't understand of value because I always tell people
52:35
Speaker 1: you can't stand by yourself and you can't climb by yourself.
52:38
Speaker 1: Relationship help you each step of the way, and when
52:41
Speaker 1: you fall back, they can be there with open arms
52:44
Speaker 1: to support you your your sudden come to motivate you
52:48
Speaker 1: to get back up. So, with that being said, what
52:51
Speaker 1: do you do on a daily basis? Got like a
52:53
Speaker 1: minute and a half left. We've been talking up a storm.
52:56
Speaker 1: What do you do over there with the Atlanta Braves.
52:58
Speaker 1: I've rattled off a lot of a lot of affiliate
53:01
Speaker 1: relationships over there. What do you do but day in
53:04
Speaker 1: the life of doctor, So it changes every day, because
53:09
Speaker 1: I will tell you, dealing with the human element changes
53:11
Speaker 1: every single time. And so the one thing that I
53:14
Speaker 1: have the opportunity to do is because it's an amazing brand.
53:18
Speaker 1: And the fact is is that my I feel like
53:20
Speaker 1: my role is just to enhance what was already there,
53:23
Speaker 1: and so that's what I think about doing every single day.
53:26
Speaker 1: What can we do more to teach and and to
53:29
Speaker 1: train and develop our staff? Well, you know the thing
53:32
Speaker 1: about it, I will tell you, and this is anybody
53:34
Speaker 1: who's uh, who's employee, anybody who's looking to open a
53:39
Speaker 1: small business, HR has to be the front of your conversation,
53:43
Speaker 1: has to be at the front of your conversation. Right
53:45
Speaker 1: after finances. HR better be right there because that will
53:49
Speaker 1: because you have to look at employees as capital. And
53:52
Speaker 1: if you don't look at them as money making capital,
53:56
Speaker 1: then guess what you already failed. And what you're trying
53:58
Speaker 1: to do is project success to your story. And you
54:00
Speaker 1: have to treat them like we would treat families. They
54:03
Speaker 1: have issues, you have issues. Learned to merge the two
54:06
Speaker 1: so you can have a positive relationship. That was pretty good.
54:09
Speaker 1: I'm good you didn't need me to come in. You
54:14
Speaker 1: coming back to lots talking about it. That got t
54:16
Speaker 1: second left the countdown. Thank you for coming on my show.
54:19
Speaker 1: You're amazing because we got okay, we got the anniversary
54:22
Speaker 1: coming up in January. We're gonna have you back before.
54:25
Speaker 1: Thank you, Thank you. We were having coffee and I
54:27
Speaker 1: asked Jen where we should go on vacation, and I said,
54:30
Speaker 1: with our bills, I don't see a vacation happening. Yeah,
54:33
Speaker 1: between our credit cards, a washer and stove we bought
54:36
Speaker 1: on credit, and that unexpected car repair, Yeah, that wasn't
54:40
Speaker 1: in the budget anyway, we agreed to take the week
54:43
Speaker 1: to research choices for a fixed rate personal loan that
54:46
Speaker 1: would let us consolidate all our bills into one low
54:48
Speaker 1: monthly payment and maybe have some left over for vacation.
54:52
Speaker 1: And the crazy thing is we both chose best egg
54:55
Speaker 1: dot com right Best. They got five stars on Consumer
54:58
Speaker 1: Affairs for their easy online and loan app that takes
55:01
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