Latest / The Steve Harvey Morning Show / Financial Motivator: Building financial literacy at any age to start creating generational wealth, Ashley M. Fox.

Transcript

Financial Motivator: Building financial literacy at any age to start creating generational wealth, Ashley M. Fox. · The Steve Harvey Morning Show

0:00
Speaker 1: If you're about to make a change in your life
0:03
Speaker 1: and you feel uncomfortable, that's the best feeling you can
0:06
Speaker 1: have because for the first time in your life, you'll
0:10
Speaker 1: make a new decision that's going to be best for
0:12
Speaker 1: you and not what somebody told you to do. And
0:16
Speaker 1: that's when all bets are off. Welcome to Money Making
0:18
Speaker 1: Conversation Masterclass. I'm your host with Shan McDonald. Our theme
0:22
Speaker 1: is there's no perfect time to start following your dreams.
0:25
Speaker 1: I recognize that we all have different definitions of success.
0:28
Speaker 1: For you and maybe decide to your h it's time
0:31
Speaker 1: to stop reading other people's success stories to start living
0:34
Speaker 1: your own keep winning. My next guest, Ashley M. Fox
0:42
Speaker 1: is a former Wall Street analyst, Howard University grad HBCU
0:46
Speaker 1: and an expert in a field as a financial education specialist.
0:50
Speaker 1: After helping manage money for both millionaires and billionaires during
0:53
Speaker 1: her career on Wall Street, actually quite a job and
0:55
Speaker 1: started own company, Implify. Implify, merging of the words empower
1:00
Speaker 1: and modify, is a financial ad tech startup that was
1:04
Speaker 1: created to show both adults and children how to build wealth.
1:07
Speaker 1: Since twenty fourteen, Implifier has reached thousands of individuals and
1:11
Speaker 1: his programs have been implementing over fifty different schools and
1:14
Speaker 1: organizations across the country. Her work and story have been
1:17
Speaker 1: featured on Jim Kramer's The Street, Y'allhoo, Finance, Rolling Out Magazine,
1:21
Speaker 1: Philly dot Com, Fox News, ABC, Huffington Post, Glamour Magazine,
1:25
Speaker 1: and forks Please Work with the Money Making Conversation Ashley M. Fox?
1:31
Speaker 2: How are you?
1:31
Speaker 1: How are you? Did I miss the thing?
1:33
Speaker 3: Asked?
1:33
Speaker 1: Because you know you got a lot to talk about.
1:35
Speaker 1: Did I miss anything?
1:35
Speaker 2: You know?
1:36
Speaker 1: I want to make sure everybody know you are the bomb.
1:39
Speaker 1: You know when it comes to what we're about to
1:40
Speaker 1: talk about it, you know, I get a lot of
1:41
Speaker 1: people to show down. They kind of have the credits
1:44
Speaker 1: they you know, they'll throw some credits out there, but
1:46
Speaker 1: you your credits all at the top of the food
1:48
Speaker 1: chain credits there. You know, how do you feel about that?
1:52
Speaker 1: When you know you're out there working in your brand,
1:54
Speaker 1: Because that's what it is all about. You got to
1:56
Speaker 1: you gotta get gain respect for your brand. Then you
1:59
Speaker 1: have to put it out there so people can know
2:01
Speaker 1: about your brand. Because you left Wall Street, tell us
2:03
Speaker 1: about just update I mentioned any of the credit to
2:06
Speaker 1: updates about how did you make that decision, because a
2:08
Speaker 1: lot of people are afraid when they leaveing a solid
2:11
Speaker 1: base to something that's not so clear.
2:15
Speaker 2: I think for me, when I never wanted to be
2:18
Speaker 2: an entrepreneur, I always wanted to be a profound African
2:21
Speaker 2: American on Wall Street. So after being there, ultimately my
2:25
Speaker 2: goal was to do something bigger and better. I think
2:29
Speaker 2: working on Wallstreet, I worked with millionaires and billionaire so
2:31
Speaker 2: if you had at least twenty five million dollars, it
2:33
Speaker 2: was our job to manage your money. And after a while,
2:36
Speaker 2: when you are working with millionaires and millionaires and you
2:38
Speaker 2: realized that you deserved to be just like the client,
2:41
Speaker 2: when you're on the other end of the table, you
2:43
Speaker 2: realize you're not going to get there serving the wealthy people.
2:46
Speaker 2: And for me, I always actually wanted to be a teacher.
2:49
Speaker 2: I just never became a teacher because in my mind,
2:51
Speaker 2: I felt like teachers didn't make a lot of money.
2:53
Speaker 2: So if I wanted to make a lot of money,
2:55
Speaker 2: I needed to major in the subject of money, and
2:56
Speaker 2: I needed to work on Wall Street. But after a while,
2:58
Speaker 2: I felt like the things that I've was learning, what
3:01
Speaker 2: I was getting exposed to, so I saw where people
3:03
Speaker 2: were spending their money, where they were traveling, where they
3:04
Speaker 2: were living, what they were investing in, and I felt
3:06
Speaker 2: like you shouldn't have to come from money work in finance,
3:09
Speaker 2: major in finance to learn how to manage, save, and
3:12
Speaker 2: invest your money. And so ultimately I just got to
3:14
Speaker 2: a point where I had a feeling. I knew something
3:16
Speaker 2: was out there, bigger and better, and I did take
3:18
Speaker 2: that leap. It wasn't the easiest thing I did. I
3:20
Speaker 2: did lose a lot along the way, But for me,
3:23
Speaker 2: it wasn't about the money anymore. It was about what
3:26
Speaker 2: was the inside of me saying what was my calling?
3:29
Speaker 2: And I knew that I was there for something bigger
3:32
Speaker 2: and keeping rich people rich wasn't it. But I needed
3:35
Speaker 2: that experience to make sure that I had the tools
3:37
Speaker 2: and resources to educate people who did not get the
3:40
Speaker 2: same exposure that I was giving up.
3:42
Speaker 1: Now do you know, because I was driven by money,
3:44
Speaker 1: I think everybody was driven by money. I remember I
3:46
Speaker 1: went to college my degrees in mathematics and started out
3:48
Speaker 1: in civil engineering because I felt that it would pay
3:50
Speaker 1: me the most money. And I realized that wasn't my calling,
3:53
Speaker 1: and eventually my degree was in mathematics, my mind was
3:56
Speaker 1: in sociology. Do you driven by Are you driven driven
4:00
Speaker 1: about the opportunity to make money?
4:03
Speaker 2: I don't think I'm driven by either. To be honest,
4:05
Speaker 2: I think I'm I'm a big proponent of just knowing
4:08
Speaker 2: that success makes noise because I remember, even when I
4:11
Speaker 2: left my Wall Street career, people were like, you left
4:13
Speaker 2: from working with millionaires and billionaires to work with people
4:15
Speaker 2: who don't have money, and it made me feel like
4:18
Speaker 2: I was crazy, But in all actuality, I was just
4:20
Speaker 2: like yes. And for me, I created a space. I mean,
4:23
Speaker 2: we all say we don't learn about financial education in schools,
4:26
Speaker 2: but nobody really wants to go put it into the
4:28
Speaker 2: school system because it's not the norm. For me, it
4:31
Speaker 2: was like this has to happen, This will happen, and
4:33
Speaker 2: I'm going to figure out how to make it work.
4:35
Speaker 2: And then I started to make money. So for me,
4:38
Speaker 2: I chose happiness over money. And the more I focus
4:41
Speaker 2: on serving people, the more I focus on doing what
4:44
Speaker 2: I felt was my purpose driven life calling, the more
4:48
Speaker 2: money started to come to me. So I created a
4:50
Speaker 2: space where I would go pitch schools and find out
4:53
Speaker 2: how they ran their schools, understanding how they ran their
4:55
Speaker 2: budget to say, hey, let me teach financial education to
4:58
Speaker 2: these students. I think I created a need that was
5:02
Speaker 2: once there, but no one knew how to provide that need,
5:05
Speaker 2: and so in all honestly taste the money. When I
5:07
Speaker 2: did it, I wasn't happy. So and I realized, let
5:10
Speaker 2: me just do what makes Ashley happy, because I'd rather
5:12
Speaker 2: wake up every single day doing what I love and
5:15
Speaker 2: doing what I love and serving the people that I served.
5:18
Speaker 2: Opportunities come to me so much more than when I
5:21
Speaker 2: was just looking to make money, and I think also
5:23
Speaker 2: to when you're just looking to make money, people can
5:24
Speaker 2: feel that like I can't teach financial education to people
5:27
Speaker 2: who don't have a lot of money and then looking
5:30
Speaker 2: to make money off of them. Now it defeats the
5:32
Speaker 2: whole purpose of me serving the world that I felt
5:34
Speaker 2: like God put me here to serve. And so I
5:36
Speaker 2: found that the more I served, the bigger the opportunities got.
5:40
Speaker 2: The bigger the opportunities got, the more people saw that
5:43
Speaker 2: it worked, and the more successful I became.
5:45
Speaker 1: The whole Your curriculum in schools as a elevated O
5:50
Speaker 1: fifty different schools. Now, that's ironic that you said you
5:54
Speaker 1: wanted to be a school teacher, and you left to
5:57
Speaker 1: be in finance, and now you're back to implementing school.
6:00
Speaker 1: So you basically are doing what you wanted to do,
6:03
Speaker 1: but you are controlling, controlling the tone, you know, the
6:07
Speaker 1: tone of you know in other words, you know, you
6:09
Speaker 1: create a curriculum that that values your passion and now
6:12
Speaker 1: you're teaching it as a school teacher would teach your
6:15
Speaker 1: brand and educate the masses like you wanted to do,
6:18
Speaker 1: wanted to do. And so when you when you when
6:20
Speaker 1: you talk about young people, what is the difference that
6:22
Speaker 1: you find the most unique when you're talking to young
6:25
Speaker 1: people about money and talking to adults about money.
6:29
Speaker 2: I think working with kids, there's there. Okay, so when
6:33
Speaker 2: you're an adult, we were once that child where possibilities
6:36
Speaker 2: were internet. You're once that that child who thought we
6:39
Speaker 2: could do, be and have everything. And the more we
6:41
Speaker 2: grow up, including our experiences growing up with our parents
6:45
Speaker 2: and our environment, society, the news, we then we then
6:51
Speaker 2: don't feel like it's possible. So we feel like we
6:54
Speaker 2: have to go to work every single day because we
6:55
Speaker 2: have to say build that dream of being happy no
6:57
Speaker 2: longer exists because we feel like we got to do
6:59
Speaker 2: a we got to do working with a child, the
7:02
Speaker 2: possibilities are infinite. Shifting their mindset is infinite, and I
7:06
Speaker 2: think there's less conditioning when you deal with a child
7:10
Speaker 2: than it is with adult. Now, it's not impossible with
7:12
Speaker 2: an adult. You just got to break through a lot
7:14
Speaker 2: more barriers because they've been told no too many times,
7:17
Speaker 2: they've been afraid too often. Whereas a child, they still
7:20
Speaker 2: believe it's possible. A child hasn't seen a bill, So
7:22
Speaker 2: let me prepare you for what a bill looks like.
7:24
Speaker 2: But then also show you how you can build wealth
7:26
Speaker 2: like the people you idolize. But let me start early
7:29
Speaker 2: so that you don't make the same mistakes that adults
7:32
Speaker 2: have made in the past. So in all, honestly, it's
7:34
Speaker 2: it's a lot easier to teach a child because they believe,
7:37
Speaker 2: and also they're there to learn. They know they're coming
7:41
Speaker 2: to school to learn, whereas adults, their fear, there's doubt,
7:44
Speaker 2: there's worried, there's I don't have time. A child, they
7:47
Speaker 2: don't have those excuses because essentially their kids, they haven't
7:49
Speaker 2: gotten to that point in life where they where they
7:51
Speaker 2: would tell themselves no, because society has told them no,
7:55
Speaker 2: too often important.
7:57
Speaker 1: That you say that. I would tell people that when
7:59
Speaker 1: you look at their life when they hit forty and fifty,
8:02
Speaker 1: that really, when you don't know what you want to
8:04
Speaker 1: do with your life, just look at look back when
8:05
Speaker 1: you was eighteen to twenty five. We were feearless when
8:09
Speaker 1: you had dreams that, like you stated, the dreams of
8:12
Speaker 1: the impossible, until you start putting up these stops signs,
8:14
Speaker 1: or you got married, or you went off to the
8:16
Speaker 1: military assignment, or you just your dreams or I can't
8:20
Speaker 1: do this because we are very self defeating a race
8:23
Speaker 1: of people once we reach a certain age, I'm not
8:25
Speaker 1: going to try to do that. And that's what a
8:27
Speaker 1: lot of people just kind of like give up, to
8:28
Speaker 1: give up on how they look in the mirror, to
8:30
Speaker 1: give them on what they can do, and the car
8:32
Speaker 1: they drive, the house that live, the neighborhood they live in.
8:34
Speaker 1: And that really is true because as a young person,
8:37
Speaker 1: all you see is what I could can be. And
8:40
Speaker 1: I always tell people I never tell a child what
8:42
Speaker 1: they can't be. Not if they can't sing, I'll tell them, hey,
8:45
Speaker 1: you know you can't sing. Now you need to stop
8:47
Speaker 1: all that manness. Okay, maybe you can rap. Now try
8:50
Speaker 1: rap it, but you can't sing okay, and you know
8:52
Speaker 1: you can't dunk. But from a physical standpoint, but from
8:54
Speaker 1: a mental standpoint, you're unlimited on what you can do
8:58
Speaker 1: as long as you stay in the lane of what
8:59
Speaker 1: you're capable were doing, and that's what you were just
9:01
Speaker 1: implementing right there. That adults tend to doing the teaching process.
9:05
Speaker 1: They got all these limiteds that they keep putting in
9:07
Speaker 1: their brain. I don't have enough money to do that.
9:10
Speaker 1: Oh I don't have time to do that. Why would
9:13
Speaker 1: I want to do that? While you just telling them how,
9:15
Speaker 1: they're telling themselves what they can't do. That's really distracting
9:18
Speaker 1: when you're trying to teach people how to be successful.
9:21
Speaker 1: Can you get can you can you? Can you get
9:23
Speaker 1: them to overcome that? Or you just lay down the plan?
9:27
Speaker 1: And so I'm not going to do it, and a
9:29
Speaker 1: lot of them are not going to do it.
9:31
Speaker 2: So I'm a firm believer that things are not taught,
9:34
Speaker 2: they're caught, and I think when people are ready, they'll
9:37
Speaker 2: be open to it. So one of the biggest things,
9:39
Speaker 2: and this is since since I've left my Wall Street career,
9:42
Speaker 2: I've never solicited what I did. I never said, hey,
9:45
Speaker 2: I can show you how to make a bunch of money.
9:47
Speaker 2: Let me show you how to do this. I get
9:49
Speaker 2: people to a point where they're ready. They've exhausted all options.
9:52
Speaker 2: They taken the classes they can take, they went to
9:53
Speaker 2: the bank, they tried to learn everything possible, yet they
9:56
Speaker 2: don't feel connected to the people that are providing the
9:58
Speaker 2: information that they need. And it gets to a point
10:00
Speaker 2: where they say, Okay, I'm frustrated being frustrated, but I
10:03
Speaker 2: know I deserve to make a change. And ultimately that's
10:05
Speaker 2: why the word emplithy was community because it's one thing
10:08
Speaker 2: that gives people education. But in all honesty, everything we
10:11
Speaker 2: teach you can google it. But the real question is
10:13
Speaker 2: why don't we take that information off of Google and
10:15
Speaker 2: actually implement it. That means that there's a mental barrier
10:18
Speaker 2: that is stopping us from executing on the information we
10:21
Speaker 2: have access to. And I think it's one thing to
10:23
Speaker 2: get information, but it's also another thing to get that
10:26
Speaker 2: with inspiration. And so that's where the empower part of
10:28
Speaker 2: emplify comes in. The first three letters are E ANDP.
10:31
Speaker 2: That comes from empower because I can give your resources,
10:34
Speaker 2: but I need you to feel empowered to know that
10:36
Speaker 2: you can do something with these resources, no matter where
10:38
Speaker 2: you are, no matter how much you have, it is
10:40
Speaker 2: still possible. And then ultimately, when you have that inspiration,
10:44
Speaker 2: you have the tools and resources, it then changes the
10:46
Speaker 2: way you see yourself in the role of money in
10:48
Speaker 2: your life, which is where modify comes from, because that's
10:51
Speaker 2: where the change takes place. And so ultimately we start
10:54
Speaker 2: with the mind. If I can change your mind, I
10:56
Speaker 2: can change your bank account. So we focus on your
10:58
Speaker 2: thought process. We know what you we know what you're
11:01
Speaker 2: dreaming of, we know what's uncomfortable for you, and we
11:04
Speaker 2: literally do the complete opposite of that. And then once
11:06
Speaker 2: we do that, give you the tools and resources, and
11:08
Speaker 2: then you realize, hey, I actually can do this. Hey
11:10
Speaker 2: maybe these beliefs that I have are not in mine.
11:12
Speaker 2: Maybe society put them in my mind. Maybe my parents
11:15
Speaker 2: gave me these fears, but they're not my narrative. And
11:18
Speaker 2: so we take those narratives and those beliefs and we
11:21
Speaker 2: change the thinking behind the person with the money, and
11:23
Speaker 2: once you have the tools and resources, you go running
11:25
Speaker 2: after that.
11:27
Speaker 1: Ashley and Fox, you know, when I interviewed you a
11:31
Speaker 1: couple of years ago, you was a bad girl back
11:32
Speaker 1: then you're on fire. Now you're on fire. I'm just
11:37
Speaker 1: listened to you going this girl here is you know,
11:40
Speaker 1: because we all learn. I've learned, I've grown, I've grown
11:42
Speaker 1: as an interview I've grown as a person my brain.
11:45
Speaker 1: I know exactly what my brand is and pushing it
11:47
Speaker 1: in the right direction. And I'm listening to a person
11:49
Speaker 1: who's really focused, who knows. And I'm not saying you
11:52
Speaker 1: wouldn't focus when I first interview, but you on fire now?
11:55
Speaker 1: Tell us what makes you have such a strong comfort
11:58
Speaker 1: zone and how did you get to this point to
12:00
Speaker 1: be as comfortable as I'm hearing you speak now? And
12:03
Speaker 1: as I've been following your brand on social media, every
12:06
Speaker 1: time an article pops up, I reading about Ashley and
12:08
Speaker 1: Fox tell us this whole march too, and I know
12:11
Speaker 1: you're not there where You're trying to get what I do.
12:14
Speaker 1: Notice a different tone, a different message being spoken by
12:17
Speaker 1: Ashley and Fox. Am I right?
12:20
Speaker 2: Absolutely? I think I think as the as I grow,
12:25
Speaker 2: the company grows. I think There's been a lot of
12:27
Speaker 2: years of spiritual internal work, a lot of years of
12:30
Speaker 2: therapy also, and to be honest, me recognizing what my
12:34
Speaker 2: beliefs were right. One of the biggest things that I've
12:37
Speaker 2: noticed is while I can sit and say, hey, I
12:39
Speaker 2: want to be a millionaire, the idea of having a
12:41
Speaker 2: million dollars actually frightens me. Right, So there's times where
12:45
Speaker 2: I want to have big dreams, but when I'm presented
12:47
Speaker 2: with the opportunity, I get scared. I remember when I
12:49
Speaker 2: got my first six figure contract. It was just this
12:52
Speaker 2: mind blowing experience, but it was like, hey, you can't
12:55
Speaker 2: sit here and say you want to be a billionaire
12:57
Speaker 2: and you're afraid to cash a check for over one
12:59
Speaker 2: hundred thousand dollars. And so I think as I break
13:02
Speaker 2: through my mental barriers, as I do more, the company
13:05
Speaker 2: grows right along with me. So I personally do not
13:08
Speaker 2: teach anything that I do not do or have not done.
13:12
Speaker 2: And it's a lot easier because it's not just about
13:14
Speaker 2: I read a book and I learned how to teach
13:16
Speaker 2: individuals how to invest in stocks. It's no, this is
13:19
Speaker 2: how I started, this is what I've learned, and this
13:21
Speaker 2: is what I do. And let me try to understand
13:24
Speaker 2: you to make it, to make it easier for you
13:26
Speaker 2: to understand. And so I think the more I grow
13:29
Speaker 2: the bigger I get, the more people I served. So
13:32
Speaker 2: we recently launched our wealth Builders community at I would
13:36
Speaker 2: have never envisioned me being a black woman in tech right,
13:38
Speaker 2: but every morning I would wake up, go into the
13:41
Speaker 2: mirror and say, you are the owner of an ed
13:45
Speaker 2: tech startup. You are the owner of an app that
13:47
Speaker 2: impacts thousands of people from all over the world. And
13:50
Speaker 2: then when it happened, it was just like a oh
13:51
Speaker 2: my gosh, it's here. But it wasn't about something that
13:54
Speaker 2: I wanted. It was about who I was. And I'm
13:56
Speaker 2: a firm believer you don't attract what you want, you attract.
13:58
Speaker 1: Who you are.
13:59
Speaker 3: Please don't go anywhere. We'll be right back with more
14:02
Speaker 3: Money Making Conversations Masterclass. Welcome back to the Money Making
14:08
Speaker 3: Conversations Master Class, hosted by Grishaan McDonald.
14:12
Speaker 2: So when I started to believe I deserved six figure contracts,
14:15
Speaker 2: when I started to look at one hundred thousand dollars
14:17
Speaker 2: like it wasn't a lot of money, that's when the
14:19
Speaker 2: money started to come faster. But when I was afraid,
14:22
Speaker 2: the money was coming slower, when I was afraid I
14:24
Speaker 2: would lose money, money was coming slower. But if I
14:27
Speaker 2: knew that I was going to keep going, that this
14:28
Speaker 2: was going to work, and I'm going to change the world.
14:30
Speaker 2: When I change my thinking, the company changes. So I
14:33
Speaker 2: think again. As I grow, the company grows. The bigger
14:36
Speaker 2: I get, the company gets, and not just me as
14:38
Speaker 2: an individual or a brand, but my thought process. Like
14:41
Speaker 2: understanding that, hey, we could make a quarter million dollars
14:45
Speaker 2: in a month and saying that doesn't frighten me anymore, right,
14:48
Speaker 2: but at one point, making ten thousand dollars in a
14:50
Speaker 2: month that scared me at one point. Now it's like
14:53
Speaker 2: I can't pay my bills with ten thousand dollars. We
14:55
Speaker 2: got to do bigger team, We got to get better team.
14:56
Speaker 2: But the more people we impact, the bigger the business
15:00
Speaker 2: get to. So I focused on serving the people because
15:03
Speaker 2: if we could serve a billion people, we could make
15:05
Speaker 2: a billion dollars. And now let's figure out how do
15:07
Speaker 2: we get to a billion people to reach that mark.
15:10
Speaker 1: You know, when we started this interview, Ashley said, how
15:13
Speaker 1: many minutes? I guy, because see, you know she got
15:16
Speaker 1: something to say. Now, I'm so impressed with your tone
15:20
Speaker 1: and your leadership in this call, because that's all I
15:23
Speaker 1: want from individuals who call me on money making conversations
15:26
Speaker 1: for their message to be heard. And you're absolutely right
15:29
Speaker 1: unless you believe in something. I know for years, Ashley,
15:32
Speaker 1: as successful as how I have been in my life,
15:35
Speaker 1: it wasn't until my forties that I realized that I
15:39
Speaker 1: accepted my success based on who I was and what
15:41
Speaker 1: I was capable of doing. I just use phrases like
15:44
Speaker 1: right place, right time, just lucky, I know somebody, you
15:48
Speaker 1: knock on wood. All those corny phrases that have nothing
15:51
Speaker 1: to do with being successful, and people use them all
15:54
Speaker 1: the time. And what those phrases do. They limit your
15:56
Speaker 1: capabilities and also limit you and knowledge of what you
16:00
Speaker 1: really are capable of doing.
16:02
Speaker 2: And I like you.
16:03
Speaker 1: I remember in nineteen ninety five of Steve Harvey and
16:05
Speaker 1: I or Janthon bron we did a concert in the
16:08
Speaker 1: Music Hall in Houston, Texas, and I was my first
16:11
Speaker 1: concert to ever promoted, and I had to write a
16:15
Speaker 1: check to Steve for fifty seven thousand dollars and that's
16:20
Speaker 1: nineteen ninety five, and I went, I couldn't believe I
16:23
Speaker 1: was writing that check, just like you couldn't believe you
16:25
Speaker 1: had a six figure And the thing about it is
16:28
Speaker 1: that once you believe in understand that this is part
16:31
Speaker 1: of your life, part of your mantra, part of your mentality.
16:34
Speaker 1: Then guess what, you could write another check like that.
16:37
Speaker 1: But if you stop and disbelief and awe and get
16:40
Speaker 1: giddy like this is not normal. And that's all she's
16:44
Speaker 1: saying right now, this is the normal way she thinks. Now,
16:46
Speaker 1: see the people that she was doing these twenty five
16:48
Speaker 1: million dollars in these billion dollar deals with and all
16:51
Speaker 1: these people around Believe me, they think a certain way.
16:53
Speaker 1: And I think a certain way too, because guess what,
16:56
Speaker 1: I'm successful. So I go on the grocery store. I
16:58
Speaker 1: don't if I have a coupon, I use it. I'll
17:00
Speaker 1: tell you that I use it. But guess what, I
17:03
Speaker 1: just go in the grocery store and shop. And in fact,
17:05
Speaker 1: sometimes I walked out of the grocery store the other day.
17:07
Speaker 1: I didn't even know how much I pay for groceries.
17:10
Speaker 1: I just gave my credit card because that's not part
17:13
Speaker 1: of my mantra to worry about how much I'm going
17:16
Speaker 1: to spend. It's the fact that I have money that
17:19
Speaker 1: can buy it. And that is the mantra that people
17:22
Speaker 1: have to do. As an adult, you get to that
17:23
Speaker 1: point you start saying, I can't live in this type
17:26
Speaker 1: of house, I can't drive this because cause what I
17:29
Speaker 1: don't have to tax money. I don't what's gonna happen
17:33
Speaker 1: next year? Well, I don't think like that. I beat
17:35
Speaker 1: successful people planning next year. They don't think what's not
17:39
Speaker 1: going to happen next year? If you plan next year,
17:41
Speaker 1: I'm a six month, I'm a year. The average person
17:44
Speaker 1: thinks thirty days, and you cannot be successful thinking in
17:48
Speaker 1: thirty day increments in your life because that means you
17:51
Speaker 1: worry about the rent, You worry about stuff that you
17:53
Speaker 1: actually should be controlling by planning. And that's why I
17:56
Speaker 1: wanted to bring you back on the show because the
17:58
Speaker 1: mentality you've always talked about has it been about planning, correct.
18:04
Speaker 2: In abundance. Don't forget abundance.
18:06
Speaker 1: And when you look at all these things, tell us
18:07
Speaker 1: a little bit more about your app. And also you
18:10
Speaker 1: hit it along a built the Wealth Builders community. Talk
18:12
Speaker 1: a little bit about that so we can get a
18:14
Speaker 1: good feel and also how can we download that and
18:17
Speaker 1: also any webinars you have coming up as well as
18:20
Speaker 1: I always like to use a middle age she kind
18:21
Speaker 1: of like forgets you sometime.
18:25
Speaker 2: Thank you. So our wealth Folders Community app. You can
18:29
Speaker 2: literally go to wealth builders Community dot com. You can
18:31
Speaker 2: see everything that we offer. So literally, just imagine the
18:35
Speaker 2: Netflix of finance and the palm of your hands. So
18:37
Speaker 2: you can go to Netflix. You can find all the
18:40
Speaker 2: different types of entertainment. Imagine literally saying hey, I want
18:44
Speaker 2: to learn how to invest? Where can I go? And
18:45
Speaker 2: it all is in your hands, literally lives in your account.
18:49
Speaker 2: But here's the beauty of it. You're now going through
18:51
Speaker 2: this journey not alone, but you're going through it with
18:53
Speaker 2: thousands of people who are just like you from all
18:56
Speaker 2: over the world. And I think we can't at this point.
18:59
Speaker 2: We can't sit the dinner table and talk about learner
19:01
Speaker 2: how to build well. We can't talk about how your
19:03
Speaker 2: stock portfolio was up. We don't talk about how we're
19:06
Speaker 2: investing for our kids to make sure that they're not
19:08
Speaker 2: taking out seat the loan. We don't have these conversations,
19:10
Speaker 2: specifically in the African American community. But this should be
19:13
Speaker 2: our norm, because that is the norm of wealthy people.
19:16
Speaker 2: They're sitting on their yachts talking about big deals that
19:18
Speaker 2: they're closing, when in all actuality, that's why they continue
19:21
Speaker 2: to sustain their wealth. The conversation is different, the thought
19:24
Speaker 2: process is different, and so ultimately our wealth is community
19:28
Speaker 2: is an intimate space where you can come together with
19:30
Speaker 2: people who are just like you on the same journey,
19:33
Speaker 2: both working professionals and entrepreneurs, where you're learning how to
19:37
Speaker 2: build wealth brick by brick, layer by layer, where you're
19:39
Speaker 2: celebrated for your successes. When you're learning how to open
19:42
Speaker 2: an account, you're processing a transaction, but you're getting advice,
19:45
Speaker 2: tools and resources not only from experts but also people
19:48
Speaker 2: who have been in your shoes. But they are growing
19:51
Speaker 2: every single day because they made well building a choice,
19:55
Speaker 2: they made it a commitment, and that's ultimately what our
19:57
Speaker 2: community is about. So we have classes on a weekly bass.
20:01
Speaker 2: We're literally about to launch our parent Accelerator because a
20:05
Speaker 2: lot of our members are parents. And during the time
20:07
Speaker 2: when it's holiday season Q four, we're spending tons of money.
20:11
Speaker 2: Companies are projected to make billions this holiday season. Why
20:14
Speaker 2: is it that we're making all these billion dollar businesses
20:17
Speaker 2: more money and we look up and we still feel
20:19
Speaker 2: like we have nothing. So we're now literally educating our
20:22
Speaker 2: adults to say, hey, it's great to buy gifts for
20:24
Speaker 2: your family, But what about the gifts of wealth? What
20:27
Speaker 2: about buying your kid that stops in the sneaker company
20:29
Speaker 2: because you know the kids are gonna want sneakerts on
20:31
Speaker 2: holiday season, right, But educating the parents to think all
20:35
Speaker 2: the things your parents need not give you all the
20:37
Speaker 2: tools and resources you wish you would have had. Let
20:40
Speaker 2: me show you how to literally educate your children so
20:43
Speaker 2: that you can build for them. So it's literally like
20:45
Speaker 2: emplified now with this particular accelerator that we're launching in
20:48
Speaker 2: our app is now merging both world. We're merging the
20:52
Speaker 2: connections and the classes that we've done with our youth
20:54
Speaker 2: and then the classes and the connections that we've done
20:56
Speaker 2: with the delts, and we're bringing them together. So the classes,
20:59
Speaker 2: adults will be able to take. Classes will learn how
21:01
Speaker 2: to open different accountable themselves and their children, how to
21:04
Speaker 2: put their kids through college. But also now we're giving
21:06
Speaker 2: a resource on this is how you can also do
21:08
Speaker 2: this with your kids. Not just for your kids, but
21:11
Speaker 2: this is how you can do it with your kids,
21:12
Speaker 2: bring your family. So now we'll have classes where kids
21:14
Speaker 2: can participate, and all of these things will live in
21:16
Speaker 2: the app, and I think it's during the time where
21:19
Speaker 2: we're spending so much. Now, let's literally train our minds
21:22
Speaker 2: to look at opportunities. I know, if everybody's going to
21:25
Speaker 2: be spending their holiday season, I need to own these
21:27
Speaker 2: companies that are making billions of dollars during a holiday season.
21:30
Speaker 2: And it's literally rewiring the thought process of our community.
21:34
Speaker 2: And it's been phenomenal. It's been a few months now.
21:38
Speaker 2: It's in the app store, will Google download and Apple download.
21:41
Speaker 2: You can get access to on your iPad or your computer.
21:43
Speaker 2: But literally, wealth builders dot com wealth builders Community dot
21:47
Speaker 2: Com is where you can see everything that we offer.
21:50
Speaker 2: There's tons of everything that we give, but it all
21:53
Speaker 2: actually while the twenty four to seven, three fifty five,
21:55
Speaker 2: access to classes all the time, all day, every day,
21:58
Speaker 2: discussion loads that we're giving out now, Like there's just
22:02
Speaker 2: tons of things where it's like a secret society of
22:04
Speaker 2: wealth builders where you can't step outside and go to
22:06
Speaker 2: the bank, but you can go here and get the
22:08
Speaker 2: tools and resources in a simple and easy to understand
22:11
Speaker 2: language that doesn't speak to you but threw you a
22:14
Speaker 2: into you.
22:15
Speaker 1: Wow, Ashley and Fox, you've given me twenty nine minutes
22:20
Speaker 1: of your time. You are specially thank you. Please give
22:25
Speaker 1: me some banners so I can post it on my
22:27
Speaker 1: social media. You know, I got like a million social
22:29
Speaker 1: media followers and namey two thousands of fanclub members, and
22:32
Speaker 1: I promote you.
22:33
Speaker 2: I love what you do.
22:34
Speaker 1: I learned and then what you've done for me. It's
22:37
Speaker 1: like a little free sessions. Sessions she's given me. I
22:40
Speaker 1: could now walk away confident. But that's what you do, Ashley,
22:43
Speaker 1: and continue to do it. And I always know that
22:44
Speaker 1: you drop something, you can contact me, contact my staff,
22:48
Speaker 1: or contact me directly because I would do anything for you.
22:50
Speaker 1: You're that special to me. And to hear your tone,
22:53
Speaker 1: to hear the leadership in your voice, the confidence in
22:56
Speaker 1: your voice. I know you found your brand now you're
23:00
Speaker 1: just building it out. That's what excites me so much
23:02
Speaker 1: because of the fact that I've been watching you looking
23:05
Speaker 1: at your sessions and you drop dimes and people liking
23:08
Speaker 1: you what you hear of you, and you get nice
23:10
Speaker 1: views on your videos when you drop those. You have
23:13
Speaker 1: a voice and people want to hear what you have
23:14
Speaker 1: to say, and you're smart. And I just want to
23:16
Speaker 1: wrap up something I saw it earlier. You know you
23:18
Speaker 1: mentioned in your credits you'r how university graduates?
23:22
Speaker 3: How have you?
23:23
Speaker 1: It's been such a I think a profound moment during
23:26
Speaker 1: this pandemic to see how HBCUs have been so recognized
23:30
Speaker 1: and donations have come in from private sector to HBCUs.
23:35
Speaker 2: What what what? What? Why have? Why? What has?
23:38
Speaker 1: What did the hpc you do for you? I guess
23:40
Speaker 1: I want to ask and why it's so important that
23:43
Speaker 1: people should know the value of an HBCU and it's
23:46
Speaker 1: educational principles.
23:49
Speaker 2: For me personally, Especially at that time, I knew I
23:53
Speaker 2: wanted to be I wanted to go to an HPCU
23:55
Speaker 2: because I wanted to be surrounded by African Americans. But
23:59
Speaker 2: I also wanted to go to the vest HBCU that
24:02
Speaker 2: supported the career trajectory that I was on. So I
24:05
Speaker 2: knew at Howard I wanted to be on Wall Street.
24:07
Speaker 2: I found out how much they paid. During summer internship,
24:10
Speaker 2: Howard taught me how to eat, how to dress, how
24:13
Speaker 2: to do interviews, how to build a resume, how to golf.
24:16
Speaker 2: It was so many things that I knew would equipped
24:18
Speaker 2: me for the industry that I was going in, and
24:21
Speaker 2: I wanted to be the center of attention. I wanted
24:24
Speaker 2: to be the center of the love that was felt.
24:26
Speaker 2: And I feel like an HBCU gave that to me.
24:28
Speaker 2: So I was surrounded by individuals with the same mindset,
24:32
Speaker 2: with the same goals, with the same vision for themselves.
24:34
Speaker 2: And I wanted to be around excellence. And I think
24:37
Speaker 2: I knew at that point in my life I wanted
24:39
Speaker 2: to feel supportive, love and nurture and I had the
24:42
Speaker 2: opportunity to do that in a black environment and a
24:44
Speaker 2: precedious environment. I knew it was a no brainer that
24:46
Speaker 2: I needed to go to Howard University. Plus I didn't
24:48
Speaker 2: want to go too too far from home because I'm
24:50
Speaker 2: from Philly, but I also did want to leave Philadelphia
24:53
Speaker 2: and Ivy League just wasn't what I wanted. I wanted
24:56
Speaker 2: to be around the culture of the environment, the love,
24:59
Speaker 2: and the support, but also have that intentionality around grooming
25:03
Speaker 2: a black woman who wanted to enter into a Wall
25:06
Speaker 2: Street space. And I loved everything that how we'd gave
25:09
Speaker 2: it to prepare me for my Wall Street career.
25:11
Speaker 1: Awesome a wealth builders community dot com. They bring together
25:14
Speaker 1: working professionals and entrepreneurs looking for the support needed to
25:17
Speaker 1: grow financially. They will help them develop the wealth building mindset,
25:22
Speaker 1: habits and knowledge necessary to excel so that they that
25:25
Speaker 1: you can achieve financial freedom, create generational wealth, and become
25:30
Speaker 1: confident in managing, saving, and investing your money. Thank you
25:35
Speaker 1: Ashley and Fox. I've read that directly off her website.
25:37
Speaker 1: That's her mission statement or the mission statement of wealth
25:40
Speaker 1: Builders Community dot com. Please come back on, Please come.
25:43
Speaker 2: Back on my absolutely.
25:46
Speaker 1: If you want to hear more money Making Conversation interviews,
25:48
Speaker 1: please go to money Making Conversation dot com. Unrashan McDonald,
25:51
Speaker 1: I'm your host.
25:55
Speaker 3: Thank you for joining us for this edition of money
25:58
Speaker 3: Making Conversations Masterclass. Money Making Conversations Masterclass with rough Shan
26:03
Speaker 3: McDonald is produced by thirty eight fifteen Media Inc. More
26:07
Speaker 3: information about thirty eight fifteen Media Inc. Is available at
26:11
Speaker 3: thirty eight fifteen media dot com. And always remember to
26:15
Speaker 3: lead with your gifts