Latest / The Steve Harvey Morning Show / Uplift: HBCU Grad helps members open 3,000+ accounts to invest over $7.4 million, reaching users in 24 countries.

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Uplift: HBCU Grad helps members open 3,000+ accounts to invest over $7.4 million, reaching users in 24 countries. · The Steve Harvey Morning Show

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Speaker 1: Hi. I am Rashan McDonald, a host the weekly Money
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Speaker 1: Making Conversation Masterclass show. The interviews and information that this
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Speaker 1: show provides are for everyone. It's time to stop reading
0:09
Speaker 1: other people's success stories and start living your own. If
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Speaker 1: you want to be a guest on my show, please
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Speaker 1: visit our website, Moneymakingconversations dot com and clip the be
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Speaker 1: a Guest button. Press submit and information will come directly
0:23
Speaker 1: to me. Now let's get this show started. My guest
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Speaker 1: is founder and chief executive officer of Implify, a leading
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Speaker 1: fintech company dedicated to financial education. She is the former
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Speaker 1: Wall Street analyst, Howell University graduate and an expert in
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Speaker 1: our field and financial education. It's a new year, a
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Speaker 1: new White House administration, so it's time to update your
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Speaker 1: financial literacy. Please welcome the Money Making Conversation Masterclass Ashley M. Fox.
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Speaker 2: Thank you for having me. Thank you.
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Speaker 1: Welcome Ashley, thank you, thank you. What do you do?
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Speaker 3: I financially empower the world, showing them that they that
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Speaker 3: they can start with who they are and what they
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Speaker 3: have and effectively build wealth generation at the generation.
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Speaker 1: How is it that defined in your brand? How did
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Speaker 1: you figure that out?
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Speaker 3: So? I always wanted to be in finance cause I
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Speaker 3: liked making money and I liked business. So I went
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Speaker 3: to Howard major in finance, and I wanted to be
1:23
Speaker 3: in the financial.
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Speaker 2: Capital of the world, which was Wall Street.
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Speaker 3: Now, remember I just wanted to make money, so I
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Speaker 3: wanted to be around it, and had four internships laying
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Speaker 3: in my dream job working with ultra high network in
1:35
Speaker 3: individuals on Wall Street, and I got to see the
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Speaker 3: ins and outs of what everybody did with their money.
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Speaker 3: So if you had at least twenty five million dollars,
1:42
Speaker 3: I was in your bank account. And from where they shop, traveled, lived,
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Speaker 3: what they invested in, how they avoided taxes. Like I
1:48
Speaker 3: learned so much. But when I went back home in
1:50
Speaker 3: to Philly, where I'm from, people thought I was rich.
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Speaker 2: And so I'm making a.
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Speaker 3: Good six figures in my twenties. But I'm like, this
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Speaker 3: isn't money what I'm seeing on Wall Street. I want
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Speaker 3: that life and I want the world to have that.
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Speaker 3: And so I learned that to truly build wealth in
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Speaker 3: this country, you have to either create your own idea
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Speaker 3: or invest in somebody else's idea. And I wanted to
2:07
Speaker 3: be able to create my own, and so I left
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Speaker 3: Wall Street and created this word called amplify, which was
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Speaker 3: more really about a feeling because the biggest thing I
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Speaker 3: learned on Wall Street it's not that there's a lack
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Speaker 3: of financial education. There may be a lack of implementation,
2:20
Speaker 3: but there's also a lack of self belief. When you
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Speaker 3: think and know and believe you have the power to
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Speaker 3: create wealth and you deserve wealth, you move a different way.
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Speaker 3: But if you don't come from money, you're not around it.
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Speaker 3: The lack of belief is there. And so I wanted
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Speaker 3: to be able to instill the Wall Street experience, the
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Speaker 3: Wall Street knowledge and bring it to the everyday person,
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Speaker 3: and so create this word called emplify, which is a
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Speaker 3: word in power and modify merge together. Where the goal
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Speaker 3: was to be able to give you those financial tools
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Speaker 3: and resources, give it you in the palm of your hand,
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Speaker 3: so that you're not running from money or afraid to
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Speaker 3: talk about it, you're running towards it. And so left
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Speaker 3: Wall Street creating them five lost Everything got to a
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Speaker 3: point where.
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Speaker 1: Now lost everything explain.
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Speaker 3: Got kicked out my apartment, maxed out credit cards, and
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Speaker 3: slept on my parents' couch for two years. After being
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Speaker 3: evicted from my apartment with the intent to build empathy.
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Speaker 3: And I think when you get to a certain point
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Speaker 3: in life where you see certain things. I could not
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Speaker 3: unsee the money that Wall Street exposed me to. So
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Speaker 3: you couldn't tell me that I couldn't have it, and
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Speaker 3: you couldn't tell me that the world could not obtain it,
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Speaker 3: and I was gonna be the woman.
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Speaker 2: To be able to give it to the world.
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Speaker 3: Went on to create financial education programs in school systems
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Speaker 3: and prison systems because I felt like prison systems, yeah,
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Speaker 3: one of the things. So prior to after leaving Wall Street,
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Speaker 3: I was a financial advisor, so I was targeting load
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Speaker 3: of moderate income individuals but giving them the tools and
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Speaker 3: resources Wall Street gave to its rich clients. Got to
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Speaker 3: a point where I felt like I was dealing with
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Speaker 3: a lot of mentally and financially broken adults, and it's like,
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Speaker 3: how can we prevent that from happening? Because you shouldn't
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Speaker 3: learn about money once you get it. You should learn
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Speaker 3: about it before you even get to that space in life.
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Speaker 3: And so he wanted to go into the school system,
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Speaker 3: and so I went into the school system, was teaching schools,
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Speaker 3: had contracts with school districts, and then the prison system
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Speaker 3: reached out to me, and so that was never the
4:01
Speaker 3: I was n I think the big overarching goal was
4:03
Speaker 3: a target at ninety nine percent. I think I stopped
4:06
Speaker 3: worrying about how I was gonna do it and just
4:08
Speaker 3: knew the impact was going to be felt when when
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Speaker 3: the right opportunities came to the prison system. So at
4:12
Speaker 3: the time they were there were a lot of children
4:14
Speaker 3: or miners incarcerated at Rikers, and they created that law
4:18
Speaker 3: that now says adults and children cannot be housed in
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Speaker 3: prison together. And so they took all those children who
4:24
Speaker 3: were under eighteen from Rikers and we've taught them financial education.
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Speaker 3: So literally every single week I was in a prison
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Speaker 3: system teaching kids from Rikers how to build wealth, which.
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Speaker 1: Was Now, when you say underserved community, who are you
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Speaker 1: talking about to me?
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Speaker 3: When I say that, I mean the individuals that could
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Speaker 3: not walk to the twenty seventh floor that big bank
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Speaker 3: that I worked at because they did not have twenty
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Speaker 3: five million dollars. The people who didn't have the financial
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Speaker 3: education and resources may not have come from money but
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Speaker 3: deserved to have it, just don't know how to make
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Speaker 3: financially educated decisions.
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Speaker 1: Now you say twenty dollars. Absolutely, twenty dollars.
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Speaker 2: We could go to ten.
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Speaker 1: Talk to us because my audience is listening.
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Speaker 3: So when you think about investing, when it comes to
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Speaker 3: investing in your own idea of somebody else's idea, one,
5:06
Speaker 3: don't let the internet fool you. You don't have to
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Speaker 3: have a business to build wealth. Right now, you can
5:11
Speaker 3: invest in somebody else's business. And one of the easiest
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Speaker 3: ways to do that, where you don't need a lot
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Speaker 3: of money to start, you don't need to be an
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Speaker 3: expert in finance, is to buy a stock. And I
5:19
Speaker 3: think back when I was on Wall Street back in
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Speaker 3: like twenty ten, the.
5:23
Speaker 2: Game was different.
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Speaker 3: Now it is a lot easier, it's a lot more accessible,
5:27
Speaker 3: and you have the Internet now, and so you can
5:29
Speaker 3: open broken accounts. It's the account that you need to
5:31
Speaker 3: buy a stock with less than twenty dollars. I always
5:34
Speaker 3: tell people just start with twenty dollars because you can
5:36
Speaker 3: buy pieces of company. So the way I think of
5:37
Speaker 3: a stock is like a box of pizza. The company
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Speaker 3: is the whole pie, but each slice is a piece
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Speaker 3: of that company. When you go and buy a stock,
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Speaker 3: you're buying that slice. Every slice has a price Now,
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Speaker 3: let's just say the price is one hundred dollars, but
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Speaker 3: you don't have one hundred dollars. You might only have fifty.
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Speaker 3: You can get a half of that slice. You still
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Speaker 3: own a piece of that company. You still have that slice.
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Speaker 3: And if the value of that slice goes up, down,
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Speaker 3: or however moves, so does your net worth attached to it.
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Speaker 2: And so the.
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Speaker 3: Biggest thing I tell people is that you don't have
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Speaker 3: to have a lot of money to start.
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Speaker 2: You just have to have the will to begin.
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Speaker 3: Because investing is not just something that you are, something
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Speaker 3: that you do. It's one thing you become. And you
6:12
Speaker 3: gotta be consistent. Because if I told you now, I'd
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Speaker 3: give you twenty dollars every single month for.
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Speaker 2: The rest of your life, would you take it?
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Speaker 3: Yeah?
6:19
Speaker 2: Why would you take it?
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Speaker 1: Right? It's not a lot of money, but I feel
6:22
Speaker 1: that it's money.
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Speaker 3: Right, So that's how we got to think about it.
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Speaker 3: So a whole lot of twenty dollars can get you
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Speaker 3: to a million as long as.
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Speaker 2: You don't stop.
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Speaker 1: Right, let's talk about this. I'm speaking to Ashley M. Fox,
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Speaker 1: founder of Amplifier. Ashley, before we go any further, how
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Speaker 1: do we reach out to you, so you.
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Speaker 2: Can email me infow at implify dot com.
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Speaker 3: Our website is wwwmpify dot com empify dot com and
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Speaker 3: I'm all across all social media platforms on Instagram, Underscore,
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Speaker 3: Ashley and Fox, TikTok, I am the Ashley m Fox
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Speaker 3: LinkedIn YouTube, Ashley and Fox as well.
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Speaker 1: Okay, I've been intervying you a lot, and if I
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Speaker 1: always walked away educated because you had it you being
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Speaker 1: in HBCU graduate Howard Yes, the Big Age, Yes went
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Speaker 1: to Wall Street. Talk about that moment when you went,
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Speaker 1: this is not me.
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Speaker 2: Okay, I remember it.
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Speaker 3: There was a day, well eight months into my job,
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Speaker 3: I was a bit uneasy. I didn't have the desire
7:22
Speaker 3: to be great. I didn't have the desire to stay late,
7:24
Speaker 3: and I'm wired to strive for excellence. I did everything
7:27
Speaker 3: I could. Four internships at I were graduated when honors.
7:30
Speaker 3: I had to be the best of anything.
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Speaker 2: That I did.
7:33
Speaker 3: But I didn't want to be the best on Wall Street,
7:34
Speaker 3: and so I thought something was wrong with me. But
7:36
Speaker 3: I got more joy out of studying our clients and
7:39
Speaker 3: learning how they built their wealth versus watching them sustain
7:43
Speaker 3: it and helping them stay rich. And I actually always
7:45
Speaker 3: want to be a teacher, though, but I did not
7:47
Speaker 3: associate education with money, and so I chose the money
7:51
Speaker 3: route personally. But I remember this one time, a really
7:55
Speaker 3: good friend of mine told me to go to so
7:58
Speaker 3: I worked at the head quarters of a company on
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Speaker 3: Overlooking Park Avenue, and so I sat on the twenty
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Speaker 3: seventh floor. He's like, look outside and look at all
8:05
Speaker 3: the people. How do you feel? And I was like,
8:07
Speaker 3: I feel trapped, right, And he was just like, okay,
8:09
Speaker 3: I want you to close your eyes and envision its
8:10
Speaker 3: building is empty and it's all yours. How do you feel?
8:13
Speaker 3: And I was like, I feel on top of the world.
8:15
Speaker 3: And in that moment, I couldn't tell you why I
8:18
Speaker 3: felt trapped. And in that moment, when that building was mine,
8:21
Speaker 3: I felt like I could do anything. And that just
8:23
Speaker 3: did something to me. So I think that exact same
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Speaker 3: exercise with one of my colleagues. I'm like, look out
8:28
Speaker 3: the window. How do you feel. He's like I feel fine?
8:30
Speaker 3: And I'm like, no, no, no, how do you feel?
8:33
Speaker 3: He's like I feel regular? And that's when I knew
8:34
Speaker 3: I was different. That's when I knew I wasn't the
8:36
Speaker 3: woman helping wealthy people stay wealthy. I was that wealthy
8:39
Speaker 3: client that belonged in that building. But I also knew
8:41
Speaker 3: that I could create that life for myself by showing
8:43
Speaker 3: others how they could do the same.
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Speaker 1: But you've done that, Now how are you reaching people?
8:47
Speaker 1: I know you have the social website, but how do
8:51
Speaker 1: you reach your clients?
8:53
Speaker 3: The biggest way right now, considering this day and age,
8:55
Speaker 3: is digital marketing when it comes to maximize on all
8:58
Speaker 3: social media platforms. I think the big this thing for
9:00
Speaker 3: me is just being normal, meeting people where they are.
9:03
Speaker 3: I don't have to have a suit, I don't have
9:05
Speaker 3: to be on Wall Street. It's meeting people where they
9:07
Speaker 3: are with what they have. So where are our customers.
9:09
Speaker 3: Our customers aren't walking into a Wall Street bank, They're
9:12
Speaker 3: on social media, they're watching television.
9:13
Speaker 2: How can I meet them where they are?
9:14
Speaker 3: And we have our Welfareess community membership platform who are
9:18
Speaker 3: now adults on their phone can learn financial education and
9:21
Speaker 3: be anywhere in the world, will be amongst thousands of
9:23
Speaker 3: people doing the exact same thing. And so I would
9:26
Speaker 3: say the biggest, biggest and most impact for us is
9:28
Speaker 3: maximizing social media because one of the biggest things I
9:30
Speaker 3: always tell people, you never know who's watching. I've gone
9:32
Speaker 3: on national television because a company slid in my dms
9:36
Speaker 3: on LinkedIn, or on TikTok or on Instagram. And so
9:39
Speaker 3: if for me, it's like, how do I tell our story?
9:41
Speaker 3: How do I live my normal life? How do I
9:43
Speaker 3: show you my ups my downs? Bring you along this journey,
9:45
Speaker 3: but give you the most education that you can receive
9:49
Speaker 3: that the school system forgot.
9:50
Speaker 2: They give you.
9:50
Speaker 1: Your brand is Ashley M. Fox. Yes, three numbers, seven
9:55
Speaker 1: point four million, Yes, three thousand, Yes, accounts twenty five
10:00
Speaker 1: for countries. Wow, those are milestones.
10:04
Speaker 2: Yes, absolutely you And how were you university to graduate? Yes?
10:08
Speaker 1: Your job was to work on Wall Street. Tell us
10:11
Speaker 1: about that journey to what I just said?
10:15
Speaker 2: Woof okay, okay.
10:18
Speaker 3: So we got to the point where I got kicked out,
10:21
Speaker 3: We got to the point where where we were teaching schools.
10:23
Speaker 3: We got to the point where in prison systems. It
10:25
Speaker 3: got to a point where so many people were reaching
10:27
Speaker 3: out to us that I couldn't scale. I turned into
10:32
Speaker 3: an individual who built a company that was hiring and
10:35
Speaker 3: firing people, not massively distributing financial education. And in that moment,
10:39
Speaker 3: I realized I needed technology now. At that point. I
10:41
Speaker 3: had no idea what that was. I just knew how
10:43
Speaker 3: could I take financial education? And I want to give
10:45
Speaker 3: people in person and give that same dynamic experience through
10:48
Speaker 3: technology to scale it. And so in twenty twenty, when
10:52
Speaker 3: COVID hit, schools didn't know how to operate, and so
10:56
Speaker 3: the beauty of that was, at that point, we were
10:58
Speaker 3: only teaching children, okay, and adults were like, hey what
11:02
Speaker 3: about us? And I didn't want to be a financial
11:04
Speaker 3: advisor because I can only talk to so many people
11:06
Speaker 3: as your advisor, So how can I massively reach children?
11:08
Speaker 3: How can I massively reach adults With the financial education
11:11
Speaker 3: and resources they're asking for.
11:13
Speaker 2: I just gotta figure out how to give it to them.
11:15
Speaker 3: And so when COVID hit, the beauty of it was
11:17
Speaker 3: we could not go into schools anymore cause they didn't
11:19
Speaker 3: even know how to operate. And so that's when we
11:20
Speaker 3: launched our membership based platform, the Well for this community,
11:23
Speaker 3: which we like to call like the Netflix of finance,
11:25
Speaker 3: where you have access to over three hundred hours of
11:27
Speaker 3: of classes, tools, resources. We have events in person digital
11:31
Speaker 3: events where you're learning how to build wealth, whether it's
11:34
Speaker 3: from buying your first stock to building your estate planning,
11:36
Speaker 3: to properly pass down your wealth plan for retirement, invest
11:39
Speaker 3: for your children. And so literally, with those numbers you
11:42
Speaker 3: were stating, our members have opened over three thousand accounts.
11:45
Speaker 3: So we're talking about first time investors who might not
11:47
Speaker 3: who might not have even had twenty dollars, but figured
11:50
Speaker 3: out how to start with at least five dollars to
11:53
Speaker 3: get their account open and to buy their first stock.
11:55
Speaker 3: And collectively our members have invested over seven point four
11:58
Speaker 3: million dollars. And this is like, if you to this
12:00
Speaker 3: out of today, you want to invest for with one
12:01
Speaker 3: hundred dollars, we track that number you submitted it. We
12:04
Speaker 3: have this race. We're on a race to now ten million.
12:06
Speaker 3: My goal for twenty twenty five is a race to
12:08
Speaker 3: twenty million.
12:09
Speaker 1: So okay, okay, let's get in this race. Now, get
12:12
Speaker 1: me in this race. Talk to me.
12:16
Speaker 3: You now you well one, this is exclusive to the
12:20
Speaker 3: wealth biteressed community. So you gotta get in. And when
12:23
Speaker 3: you're in, you got to commit to investing. There is
12:26
Speaker 3: no pressure on how much, There is no pressure on
12:29
Speaker 3: what you buy. It is I need to know you
12:30
Speaker 3: process that transaction and you investing in somebody else's company
12:33
Speaker 3: with the intent to build your wealth for you and
12:35
Speaker 3: your family. And we have an infrastructure in place that
12:37
Speaker 3: calculates and all of the investments that our members doing.
12:41
Speaker 3: Right now, we're at seven point four million, but I
12:43
Speaker 3: believe we can get to twenty million this year. And
12:45
Speaker 3: so the more people we impact, the more education we
12:47
Speaker 3: give them, the more comfortable they are with investing for themselves.
12:51
Speaker 2: We're able to get that done.
12:52
Speaker 1: My daughter when she hears you, she's a fan. And
12:56
Speaker 1: because you simplify things, because you impa five thids.
13:01
Speaker 2: Yes, okay, there you go.
13:04
Speaker 1: Educating families. How do you do that?
13:08
Speaker 3: There's always one wealth builder in the family there. You
13:11
Speaker 3: gotta find that one. And it's not not everybody is
13:14
Speaker 3: always ready. Everybody wants money, but not everybody's ready to
13:18
Speaker 3: become the person they need to become to prioritize themselves
13:22
Speaker 3: and wealth for their family. Because it's so much bigger
13:25
Speaker 3: than how much money you make. It's so much bigger
13:27
Speaker 3: than your past, so much bigger than your credit score,
13:29
Speaker 3: so much bigger than a president in the United States.
13:30
Speaker 3: It has to be something inside of you. So you
13:32
Speaker 3: gotta find that one person in the family that says,
13:34
Speaker 3: nobody but me is gonna lead the charge for my family,
13:37
Speaker 3: and I'm gonna do it whether they're on board or not.
13:39
Speaker 3: And so for me, that was me and my family
13:41
Speaker 3: when my my family didn't buy stocks, so I opened
13:43
Speaker 3: all their brother's accounts, I funded all their accounts, I
13:46
Speaker 3: got all the life insurance policies. But now we're in
13:49
Speaker 3: a space where they're doing it themselves. Now they're in
13:52
Speaker 3: a space where they're trusting themselves to be able to
13:55
Speaker 3: do it, and that's important. So it's one you have
13:58
Speaker 3: to set the tone for yourself and shine that light
14:00
Speaker 3: on you first, because at some point that light will
14:03
Speaker 3: shine on your family.
14:03
Speaker 2: They'll either follow sup, but they're always watching.
14:06
Speaker 3: And as long as you commit to something more than
14:08
Speaker 3: just your personal gain, because it has to be bigger
14:10
Speaker 3: than you, Especially for parents, it's like you might not
14:12
Speaker 3: have had it when they were growing up, or you
14:14
Speaker 3: might not have had it growing up. But what about today,
14:16
Speaker 3: What if we can twenty dollars our way so that
14:19
Speaker 3: our kids don't have to take our student loans the
14:20
Speaker 3: way we did. What if we can twenty dollars our
14:22
Speaker 3: way to ensure that our kids are set for retirement
14:24
Speaker 3: because we may not have been set for retirement and
14:26
Speaker 3: so it has to be something.
14:27
Speaker 2: So much bigger than you.
14:28
Speaker 3: And then once your family sees what you're committed to
14:31
Speaker 3: and they see your growth, they will begin to follow suit.
14:34
Speaker 3: Now it might take long, you might not get every
14:35
Speaker 3: family member, but you cannot say that you did not
14:38
Speaker 3: do the best that you can for the people that
14:39
Speaker 3: you love without having to rely on anybody else, or
14:42
Speaker 3: any infrastructure or any system.
14:44
Speaker 2: Just a person in the mirror.
14:45
Speaker 1: Are you, Ashley, in fact, part of a movement?
14:50
Speaker 2: That is a great question.
14:51
Speaker 1: HM.
14:53
Speaker 2: My first thought was, amplify is the movement? It just
14:56
Speaker 2: has My.
14:57
Speaker 1: DNA and financial livers say, seems trendy. I see a
15:03
Speaker 1: lot of people out there. I won't say no names,
15:06
Speaker 1: I won't say they're frauds, but I don't like what
15:09
Speaker 1: they're doing because I know it's not right in the
15:12
Speaker 1: way they apply it, like it's a YouTube setup. How
15:16
Speaker 1: do you separate yourself from I want to say competition.
15:20
Speaker 3: One of the biggest thing I do I don't do
15:22
Speaker 3: is bash other people. That's the first that's my first standard.
15:27
Speaker 3: Because I remember when I was on Wall Street, when
15:29
Speaker 3: I bought my first stock in twenty eleven, twenty twelve,
15:31
Speaker 3: there was no financial educational Internet. I have my Wall
15:35
Speaker 3: Street and the everyday person did not have it. It
15:38
Speaker 3: was not in your school system. You weren't talking about
15:39
Speaker 3: the dinner table. So one of the beautiful things about
15:42
Speaker 3: the Internet is that at least there is a conversation
15:45
Speaker 3: about something our community has never talked about. That's the
15:48
Speaker 3: first thing. So I applaud anybody who makes an attempt
15:52
Speaker 3: right now. One of the biggest things that I think
15:54
Speaker 3: I do, and an advantage I might have, is I come.
15:57
Speaker 2: From a Wall Street background.
15:58
Speaker 3: Yes, so I knew finance and was doing finance before
16:02
Speaker 3: the Internet became a thing. The Internet just became an
16:05
Speaker 3: outlet for me to release what was already inside of
16:07
Speaker 3: my heart. And so my story never changed from the
16:10
Speaker 3: day I started posting on Instagram to the day I
16:12
Speaker 3: left Wall Street.
16:13
Speaker 2: My mission has never changed.
16:14
Speaker 3: I've gone through things in life, I've evolved as a woman,
16:17
Speaker 3: but the core focus was always dedicated to the people
16:19
Speaker 3: that I did not see come into that building when
16:21
Speaker 3: I worked on Wall Street. And so I think one
16:22
Speaker 3: of the biggest differentiators is one I never did this
16:25
Speaker 3: for money, mm, because if I wanted money, I would
16:28
Speaker 3: have stayed on Wall Street. Like if I'm if like
16:30
Speaker 3: I went through a lot to even try to figure
16:32
Speaker 3: out how to teach a child how to buy a
16:34
Speaker 3: stock when people were not paying emplify anything. And so
16:37
Speaker 3: I think one the authenticity around the purpose where it's
16:41
Speaker 3: not driven by money but driven by the how.
16:42
Speaker 2: To show the world how to build that wealth.
16:44
Speaker 3: MM people can feel that, and I run my entire
16:47
Speaker 3: company like that. And so when we think of Empify,
16:50
Speaker 3: and if you look at our logo, it's it's it's
16:52
Speaker 3: a transformation into the colored green. Green doesn't represent money,
16:56
Speaker 3: it represents the heart chakra. So everything we lead with
16:59
Speaker 3: is from all Because if you love the person in
17:01
Speaker 3: the mirror, you can build any type of wealth that
17:03
Speaker 3: you need. But if you don't believe in a person
17:04
Speaker 3: in the mirror, it's now empathized job to believe in you.
17:08
Speaker 3: And because I've seen what was possible and you might
17:10
Speaker 3: not have, you got to borrow my belief. But if
17:13
Speaker 3: I don't love you for who you are to take
17:14
Speaker 3: you where you need to go, it doesn't work. And
17:15
Speaker 3: I think that is what people can feel.
17:17
Speaker 4: Please don't go anywhere. We'll be right back with more
17:21
Speaker 4: money making conversations masterclass. Welcome back to the money Making
17:30
Speaker 4: Conversations Masterclass hosted by Rashaan McDonald. Money Making Conversations Masterclass
17:36
Speaker 4: continues online at Moneymakingconversations dot com and follow money Making
17:41
Speaker 4: Conversations Masterclass on Facebook, Twitter, and Instagram.
17:44
Speaker 1: Ashley, I go to your social media, you are fire taking,
17:51
Speaker 1: I see finance, I see fashion. Is that intentional?
17:55
Speaker 2: Absolutely?
17:58
Speaker 3: When I went to Howard, one of the best there's
18:00
Speaker 3: things I loved about Howard is that you had to
18:02
Speaker 3: wear a black and blue suit to business orientation twice
18:05
Speaker 3: a week. Yes, I learned how to eat, I learned
18:07
Speaker 3: how to dress. I had the ugly stockings, I had
18:09
Speaker 3: to shoes. I had all of that to prepare me
18:11
Speaker 3: to be on Wall Street. And I don't I couldn't
18:14
Speaker 3: say that it was fully who I was, And I
18:17
Speaker 3: can't say that that always resonates with the people that
18:19
Speaker 3: I serve. And so the day that I left Wall Street,
18:21
Speaker 3: I told myself, I will never go wear stockings. I
18:24
Speaker 3: would not force myself to wear a black or blue suit.
18:27
Speaker 3: I was going to create and feel that Ashley I
18:32
Speaker 3: wanted to be and show the world wealth doesn't have
18:34
Speaker 3: a color. Therefore it looks like Ashton Marie Fox, and
18:37
Speaker 3: so I am intentional about what I wear, how I look,
18:41
Speaker 3: because if I wore a suit, if I look like
18:44
Speaker 3: I'm on Wall Street, you would judge me, Yes, you
18:47
Speaker 3: would you You would have a preconcy perception.
18:49
Speaker 2: You might be a little intimidated.
18:51
Speaker 3: But no matter what I look like, the moment I
18:54
Speaker 3: open my mouth, it sounds like I worked on Wall Street.
18:56
Speaker 3: It sounds like that I have education, And so for me,
18:58
Speaker 3: I want to be Ashley and I wanna connect with
19:01
Speaker 3: the people that from a normal place. I don't want
19:04
Speaker 3: to be black and blue suit trench coach like Wall
19:06
Speaker 3: Street has a look and it it works well. But
19:09
Speaker 3: for the audience, I want to serve who who hasn't
19:11
Speaker 3: had the opportunity to be in that building. What if
19:13
Speaker 3: I built my own building and we looked we all
19:15
Speaker 3: looked a different way, and it didn't have a uniform
19:18
Speaker 3: and had a level of excellence based off of who
19:20
Speaker 3: you were and what you wanted to do.
19:21
Speaker 2: And this is just who actually is.
19:23
Speaker 1: That's all Ashley Financial literacy, social media engagement. Are you
19:28
Speaker 1: shocked how people react to you?
19:30
Speaker 3: In the beginning, I was if I'm if I'm being
19:33
Speaker 3: really honest? The reason I went the reason I went
19:35
Speaker 3: to therapy is I was asked to be on Fox News.
19:39
Speaker 3: This was like twenty seventeen and no, no, even before that,
19:42
Speaker 3: I was featured on Jim Kramer's The Street in twenty fourteen.
19:45
Speaker 3: That was the first time I had makeup. I was
19:46
Speaker 3: in a green room and I was I didn't really
19:48
Speaker 3: sign out to be famous. And I was also on
19:49
Speaker 3: the version and kicked out my apartment. So I felt like,
19:51
Speaker 3: who am Midasa? The world about money and I don't
19:53
Speaker 3: even have it. But when I started going on TV
19:56
Speaker 3: and people started to reach out, I liked what I saw. Uh,
20:00
Speaker 3: you know how you look at yourself on camera, you
20:01
Speaker 3: tryn to find what's wrong with you, Like there was
20:03
Speaker 3: nothing wrong. I did great, but I couldn't handle it.
20:06
Speaker 3: And so I remember a mentor of mine telling me,
20:09
Speaker 3: it's selfish of you to how who you are from
20:10
Speaker 3: the world, knowing what you know. And in that moment,
20:13
Speaker 3: it was kind of like, however, Astuley and her energy
20:15
Speaker 3: and whoever she is, and it's becoming that needs to
20:19
Speaker 3: be seen because when I think about just a a
20:22
Speaker 3: black person in finance, with the education, with the intellect,
20:26
Speaker 3: with the credentials, we don't always have that and it's
20:29
Speaker 3: like they might exist, but they might not be allowed
20:32
Speaker 3: to be public the way I am because we were
20:34
Speaker 3: for a bank.
20:34
Speaker 2: You can't really do a lot of those things.
20:36
Speaker 3: And so it was really important for me to accept
20:39
Speaker 3: who I was and know that my purpose in life
20:43
Speaker 3: was not for what I wanted, but what I felt like.
20:44
Speaker 2: The world deserved to have.
20:46
Speaker 3: And then as time progressed, it was kind of like, Okay,
20:49
Speaker 3: maybe you're kind of good at this, right because I
20:52
Speaker 3: never really did it for the money, and I I
20:54
Speaker 3: also didn't know what came with the world knowing who
20:56
Speaker 3: I was. M. I thought it just came with the
20:58
Speaker 3: world having what was inside my brain.
21:00
Speaker 4: MM.
21:00
Speaker 2: And I think it's a culmination of both.
21:02
Speaker 3: And I think we do the Black community specifically, a
21:05
Speaker 3: disservice by hiding who we are because there's not enough
21:08
Speaker 3: of the excellence dominating our time lines or dominating the world.
21:13
Speaker 3: And sometimes I feel like I have to compete with America.
21:16
Speaker 3: I have to compete because the news is not going
21:18
Speaker 3: to promote all positive things. That's not how they make
21:21
Speaker 3: their money, and I respect it. So if I gotta
21:23
Speaker 3: compete with your timeline our natural desire for negativity, because
21:28
Speaker 3: that's what we're drawn to, that's what we sell. M
21:30
Speaker 3: How can I just give you something that gives you
21:31
Speaker 3: the joy that I need you to feel, and the
21:33
Speaker 3: education and I need you to receive and constantly embedded
21:36
Speaker 3: in your mind so that I'm conditioning you the same
21:38
Speaker 3: way the Internet conditions your mind. And when I started
21:41
Speaker 3: to understand the importance of that and the reframing and
21:44
Speaker 3: the unlearning we have to have when it comes to
21:47
Speaker 3: ref redefining what wealth is, I made that my duty.
21:50
Speaker 3: And so I think in the beginning, no, that wasn't
21:52
Speaker 3: the goal, and I didn't really care. But as I
21:56
Speaker 3: started to evolve, it kind of was just like, who
21:57
Speaker 3: but Ashley Fox is going to do this? And I
22:00
Speaker 3: just that just became my purpose, my life's purpose.
22:02
Speaker 1: Okay, mm compound interests account? Is that a safe way
22:07
Speaker 1: to start a stock?
22:08
Speaker 2: I don't think it's a this or that.
22:10
Speaker 3: I think it's this and that, right, So I don't
22:12
Speaker 3: I think the world tells you you get a job,
22:15
Speaker 3: you go to school, you get the job to pay No,
22:17
Speaker 3: you go to school, get the job, you go you
22:19
Speaker 3: get the job to pay for school back, buy a
22:21
Speaker 3: house and you're good, right, And I think we all
22:24
Speaker 3: know people who make good money. Well that's not the
22:27
Speaker 3: American way, be cause that's not a bankan SYSM makes money.
22:29
Speaker 3: But yes, but if we talking about the actual banking system,
22:33
Speaker 3: you buy that house, you take out that credit card,
22:35
Speaker 3: like the bangan sism thrives off a debt. So if
22:38
Speaker 3: we go the American way, which is fine, I just
22:40
Speaker 3: think that's that's not we can't stop there, right. I'm
22:44
Speaker 3: not telling you to quit your job, but I am
22:45
Speaker 3: telling you to create wealth. I'm not telling you not
22:47
Speaker 3: buy your house, but I do want you to know
22:49
Speaker 3: that America makes a whole lot of money every time
22:50
Speaker 3: you pay that mortgage, and they make a lot more
22:52
Speaker 3: money off of you in that house. You're paying that mortgage,
22:54
Speaker 3: but you got Undertand how the game is played.
22:56
Speaker 2: What happens after that?
22:58
Speaker 3: What if we save and you ud utilize savings accounts
23:01
Speaker 3: because I have a savings account for my short term needs,
23:03
Speaker 3: but not for my long term GA gain like my
23:05
Speaker 3: long term game plan. So yes, you can save and invest.
23:10
Speaker 3: Yes you can invest and pay down debt. So you're
23:13
Speaker 3: not a bad person with debt. You're not a bad person.
23:15
Speaker 3: If you only save, you're not a bad person. If
23:16
Speaker 3: you don't save, but you cannot expect to have the
23:18
Speaker 3: financial ease, the financial clarity, and the freedom you want
23:22
Speaker 3: mentally and financially if all you're gonna do is you
23:25
Speaker 3: to saving the account because you cannot save your weight
23:26
Speaker 3: to wealth and you can't work your way there. And
23:28
Speaker 3: please show me somebody who has done that, cause I
23:30
Speaker 3: would love to talk to them. But when I was
23:32
Speaker 3: on Wall Street, if our clients only had money in
23:34
Speaker 3: a savings account, it was our job to tell them
23:36
Speaker 3: how to put it to work because it's something called inflation.
23:39
Speaker 3: You can't sit and talk to somebody with a hundred
23:40
Speaker 3: million dollars and inflation is three percent, and they they're
23:43
Speaker 3: gonna lose money just by sitting there. So instead of
23:46
Speaker 3: me having a hundred million and losing thirty million on
23:50
Speaker 3: my money, I'm thinking, I'm thinking not thirty million, but
23:54
Speaker 3: you get y yeah, yeah, you get the math. Me
23:57
Speaker 3: thinking what if I had a hundred dollars and I'm
24:00
Speaker 3: losing my three percent? While it might not seem like
24:03
Speaker 3: a lot, I gotta wire my mind, like I'm like,
24:06
Speaker 3: I'm that one hundred million dollar person. And so I
24:08
Speaker 3: used to like train my mind to like they started
24:10
Speaker 3: with one hundred million. I bought my first stop with
24:12
Speaker 3: one hundred dollars and I'm just gonna do it a
24:14
Speaker 3: in a small way and grow over time. But I
24:17
Speaker 3: will watch how if they had savings accounts and there
24:19
Speaker 3: was money sitting in there, we had to go work
24:21
Speaker 3: with investors to put together a structured plan for them
24:25
Speaker 3: to ensure that they're not losing money with it's just
24:28
Speaker 3: sitting there. And people think wealthy people like when you
24:30
Speaker 3: see like big companies or people have billions of dollars
24:34
Speaker 3: or they're worth billions. They're worth billions, they have billions
24:37
Speaker 3: in cash. Wealthy people don't just have cash laying around.
24:40
Speaker 3: It's always going to work. And so it's training people
24:43
Speaker 3: to know. You gotta give your money a job description,
24:45
Speaker 3: what is it going to do, what is it doing,
24:47
Speaker 3: how is it performing? To make sure it gives you
24:49
Speaker 3: what you need and the results you desire. And unfortunately
24:51
Speaker 3: you can't do that in a savings acount. And not
24:53
Speaker 3: to mention when people you saves, again, I don't they
24:55
Speaker 3: know the money gets loaned.
24:56
Speaker 2: Out the people.
24:57
Speaker 3: So your credit card, your student loans, your business sans,
25:00
Speaker 3: all of that comes from somebody savings account and they're
25:02
Speaker 3: just lonely getting charging you a interest but charging someone
25:05
Speaker 3: a higher interest rate on that debt. And that's how
25:07
Speaker 3: the banking system makes money. So yes, but that's not
25:12
Speaker 3: your only option. Okay, and and and and life has
25:15
Speaker 3: shown us that that can't be your only option.
25:18
Speaker 2: There has to be something more out there for us.
25:20
Speaker 1: To do, right, Okay, let's this Black Enterprise honored you.
25:27
Speaker 3: Black Enterprise, so you know what's so interesting. Black Enterprise
25:30
Speaker 3: was one of the first companies to see me MM.
25:32
Speaker 3: And this is back when like MM scared Ashley was
25:35
Speaker 3: just starting therapy, and they had asked me to start
25:37
Speaker 3: writing for them. And I'm like writing I don't even
25:39
Speaker 3: know I knew how to write, but I'm like, I
25:41
Speaker 3: got something to say. And I've done a lot with them,
25:45
Speaker 3: and I've been featured a lot of places. But I
25:47
Speaker 3: think Black Enterprise meant a lot because I did not know.
25:49
Speaker 3: I remember seeing an email I was getting my hair done.
25:51
Speaker 3: I was like so excited. But I remember what Black
25:54
Speaker 3: Enterprise represented to me growing up and what it represented
25:58
Speaker 3: to me when I was trying to figure out emplify
26:01
Speaker 3: we weren't that when Black Enterprise saw me and I
26:03
Speaker 3: spoke at their conferences and did interviews and things like that.
26:07
Speaker 3: This was not the Ashley that they saw. This was
26:10
Speaker 3: not the emplify like we were still figured. I don't
26:12
Speaker 3: know if we had a website at certain points in time,
26:15
Speaker 3: but it was cool that they saw something and they
26:19
Speaker 3: felt something when it was just the idea in my mind.
26:21
Speaker 3: And so to be able to be on and on
26:23
Speaker 3: their forty under forty list it meant the world to me.
26:27
Speaker 2: I've been featured a lot of places, but it was.
26:28
Speaker 3: Like that was at one place, like you guys saw
26:32
Speaker 3: Ashley when she was in her twenties, before Ashley even
26:35
Speaker 3: knew that this was a possible thing, when she still
26:37
Speaker 3: doubted herself. So it actually really really meant a lot
26:40
Speaker 3: to me, Ashley.
26:42
Speaker 1: I keep going back to social because you are defining
26:46
Speaker 1: wealth from a standpoint of it can be fun, you
26:51
Speaker 1: could be attractive, you can make money, you could be
26:55
Speaker 1: fashion savvy. Because the way people react to you, I'm overwhelmed.
27:00
Speaker 1: I mean brands I go, you know, especially on Instagram,
27:03
Speaker 1: I go that many, like many, that many views, that
27:09
Speaker 1: many views. Really, I know it's not normal because you're
27:13
Speaker 1: not normal. What's the big picture?
27:16
Speaker 3: I think now, it's really not a question of like
27:20
Speaker 3: if it's a matter of when, like at what?
27:23
Speaker 4: What?
27:24
Speaker 2: How big can I go?
27:25
Speaker 3: How big can I create Ashley's brand, empathize reach because
27:30
Speaker 3: there's people all I'll be in the airport, I've I've
27:33
Speaker 3: had conversation. I remember in Greece, I'm teaching people on
27:36
Speaker 3: a boat about investing, and it's like, how do Because,
27:39
Speaker 3: like I said, wealth doesn't have a color. It does
27:41
Speaker 3: like it has no true identity to it. So it's like,
27:44
Speaker 3: how big can I take something so general but so
27:49
Speaker 3: important to so many people and embedded in their mind
27:52
Speaker 3: to show them that you can heal, smile, go to therapy,
27:55
Speaker 3: figure life out, and still build wealth.
27:58
Speaker 2: And still do what it is you want to do.
28:00
Speaker 3: And I think for me, it's all about every post
28:02
Speaker 3: I make has an intention, Every post I make has
28:05
Speaker 3: a training and an unlearning that I want to give
28:08
Speaker 3: the world a sense of inspiration, a sense of guidance,
28:10
Speaker 3: a sense of struggles, Like I want to be as
28:12
Speaker 3: honest and transparent so that people can see me at
28:14
Speaker 3: my core but also see me in the intellect that
28:17
Speaker 3: I present. And at this point, it's just a matter
28:19
Speaker 3: how big can you get and how consistent can you be?
28:23
Speaker 3: And how big of a team can you build so
28:25
Speaker 3: that this is an operating machine that changes the world
28:28
Speaker 3: every single day with every single post.
28:30
Speaker 1: Okay, I'll be remiss if I didn't ask you for tips,
28:34
Speaker 1: at least three tips, then my audience could take away
28:36
Speaker 1: from the Implify brand.
28:39
Speaker 3: The first thing I would say, and this goes for everybody.
28:41
Speaker 3: We don't got to go deep into this, but I
28:43
Speaker 3: feel inclined to say this. The last time I checked personally,
28:48
Speaker 3: there was no president that put me through college was
28:52
Speaker 3: there with me getting kicked out my apartment building. Emplify
28:55
Speaker 3: was there to help me buy my first stock. And
29:00
Speaker 3: the person in the mirror is the person we always
29:02
Speaker 3: got to depend on. And people can have their political views,
29:06
Speaker 3: which I respect. I just think at the end of
29:09
Speaker 3: the day is you and you, and there's no president
29:12
Speaker 3: that can build the wealth that you can create for
29:14
Speaker 3: your family. And I think when we allow our emotion
29:18
Speaker 3: to subside and we start thinking like a business owner
29:23
Speaker 3: with intellect and putting our family and our goals first.
29:28
Speaker 3: Because you can't be angry and bill wealth at the
29:29
Speaker 3: same time. You can't be emotional with the market and
29:34
Speaker 3: build wealth at the same time. And so the biggest
29:37
Speaker 3: thing I would say is let go to the emotions
29:38
Speaker 3: and start using logic and play the game like I
29:41
Speaker 3: wanna build a billion dollar business.
29:43
Speaker 2: I'm not there.
29:43
Speaker 3: Yet, but it's a lot of billion dollar businesses out
29:45
Speaker 3: there that I can own a piece of. I don't
29:48
Speaker 3: have to like you. I don't have to work at
29:51
Speaker 3: the company. But if I use your product, and I'm
29:55
Speaker 3: the reason you're a billion dollar business, I'm helping you
29:58
Speaker 3: build wealth, so I deserve a piece of the pie.
30:01
Speaker 3: So take the logic, own where your dollar goes, and
30:07
Speaker 3: consider owning a piece of the company. Cause they are
30:10
Speaker 3: about five big old companies that are worth trillion dollars,
30:12
Speaker 3: and I can pretty much guarantee at least three out
30:15
Speaker 3: of those five we use on a weekly basis. So
30:18
Speaker 3: my mere existence is, for example, why an Amazon exists.
30:21
Speaker 3: I buy Ketchup, I buy Shower, I buy everything, but
30:24
Speaker 3: I own stock in that company.
30:26
Speaker 2: I don't know bet Jeff Bezos.
30:27
Speaker 3: I don't have to like Jeff Bezos, but I love
30:29
Speaker 3: the company he created and it's getting even better. And
30:32
Speaker 3: but I own a piece of that, and so does
30:34
Speaker 3: my seven year old niece, and she will be wealthy
30:37
Speaker 3: for the rest of her life. So that might have
30:39
Speaker 3: been like five tips in one. But the moral of
30:40
Speaker 3: the story is no emotion, straight logic, and consider the
30:45
Speaker 3: companies you give your money to and own them because
30:49
Speaker 3: they are a lot cheaper than you think. While it's
30:52
Speaker 3: worth a trillion, the stock is like two hundred dollars,
30:55
Speaker 3: the stocks are less than three four hundred dollars, right,
30:57
Speaker 3: So really consider those things.
30:59
Speaker 2: The other thing I would say.
31:00
Speaker 3: Is pay yourself, and we pay everybody. We make money,
31:06
Speaker 3: and we we want, we gotta pay our bills.
31:10
Speaker 2: I gotta pay down debt.
31:11
Speaker 3: It's like I was talking to somebody the other day, like, yeah,
31:12
Speaker 3: I gotta pay down debt, and it's like, yes, do
31:15
Speaker 3: that and invest because when you pay down debt, you're
31:17
Speaker 3: also making the banking system richer. Mm so what about you,
31:22
Speaker 3: Maybe we can consider owning a bank stock that we
31:23
Speaker 3: gotta pay the credit card back to. I don't know,
31:25
Speaker 3: but but pay you and sometimes that is twenty dollars.
31:29
Speaker 3: And then you go pay your rent because you pay
31:31
Speaker 3: your rent, you pay yourself one, but you pay your kids,
31:32
Speaker 3: you pay the restaurant, uh, the bar tend at the restaurant,
31:34
Speaker 3: You pay your cardinal, you pay your ga, you pay everybody,
31:37
Speaker 3: and you look up and you're the one that doesn't
31:39
Speaker 3: have money, and it's like, well, who who's gonna worry
31:41
Speaker 3: about you? M not the American system, not the the
31:45
Speaker 3: not the mortgage company, not the gas nobody's nobody's worrying
31:48
Speaker 3: about you. We want them to, but they're not. They
31:50
Speaker 3: gotta run their business. You gotta look at you like
31:52
Speaker 3: that you incorporated. You have to take care of you.
31:56
Speaker 3: You have to pay you, and sometimes that means you
31:58
Speaker 3: gotta start with twenty dollars. Because people are not gonna
32:01
Speaker 3: be driven by the result. You're gonna be driven by
32:02
Speaker 3: your progress. I need you to be addicted to investing.
32:06
Speaker 3: I need you to question every company you come across
32:09
Speaker 3: and wonder, if it's publicly traded, how much is it.
32:11
Speaker 3: Let me go research that company because I might want
32:13
Speaker 3: to put that in my portfolio. I always tell people,
32:15
Speaker 3: when you think about the stocks that you choose, they're
32:16
Speaker 3: sitting at your table. Their job is to perform for you,
32:19
Speaker 3: and if they're not, you bencham when you get rid
32:21
Speaker 3: of them. These companies deserve to be in your portfolio,
32:25
Speaker 3: but you have to make sure they deserve to be
32:26
Speaker 3: sitting next to you, and that is to me.
32:29
Speaker 2: It's an honor to be in.
32:30
Speaker 3: Ashley's portfolio, because if I don't like you, I'm not
32:33
Speaker 3: investing in you. But I have plans, and I know
32:36
Speaker 3: I don't want to do it alone, so let me
32:38
Speaker 3: help somebody. Let me allow some of these billionaires to
32:40
Speaker 3: help me get money too. You gotta think like that.
32:42
Speaker 3: We can't hate the people with wealth yet yet to
32:44
Speaker 3: have a desire to obtain it. We got to figure
32:46
Speaker 3: out how to take what we know lead, take the good,
32:49
Speaker 3: leave the bad, to be able to change our family's
32:51
Speaker 3: lives because nobody's gonna do it but you.
32:53
Speaker 1: Okay, thank you, Ashley. You're wonderful as you usual. Tell
32:57
Speaker 1: us how to rehuat.
32:58
Speaker 3: You, Ampifi dot com, empify dot com. You can shoot
33:01
Speaker 3: me an email info at mfi dot com. I'm across
33:03
Speaker 3: all social media platforms, Underscore, Ashley, m Fox, TikTok, I
33:06
Speaker 3: am the Ashley m Fox, Ashley and Fox on YouTube,
33:09
Speaker 3: LinkedIn everywhere, and emplithizers all over Instagram social media as well.
33:13
Speaker 3: But yes, I do respond to dms, I do respond
33:16
Speaker 3: to emails. I might not always hit you right when
33:18
Speaker 3: you send it, but I do my best to get
33:19
Speaker 3: back to you. But if you have a question, definitely come.
33:22
Speaker 3: We got a lot of free classes, free resources to
33:24
Speaker 3: be able to help you start so that you can
33:26
Speaker 3: continue to build every single day, break by brick, share
33:29
Speaker 3: by share.
33:30
Speaker 1: Thank you for coming on Money Making Conversation Masterclass. This
33:33
Speaker 1: has been another edition of Money Making Conversation Masterclass hosted
33:37
Speaker 1: by me Rashaun McDonald. Thank you to our guests on
33:40
Speaker 1: the show today and thank you o' listening to your
33:42
Speaker 1: audience now. If you want to listen to any episode
33:45
Speaker 1: I want to be a guest on the show, visit
33:47
Speaker 1: Moneymakingconversations dot com. Our social media handle is money Making Conversation.
33:52
Speaker 1: Join us next week and remember to always leave with
33:55
Speaker 1: your gifts. Keep winning to