Earn Your Leisure

MG The Mortgage Guy, a mortgage industry expert, shares savvy strategies for navigating real estate development costs. He emphasizes the importance of obtaining multiple contractor quotes and harnessing AI tools, like ChatGPT, to analyze pricing and interview contractors effectively. Rashad Bilal reveals how sourcing materials from China can lead to impressive savings of 30-50%, enhancing profit margins for developers. Their insights on negotiation tactics and international sourcing will revolutionize your approach to renovation and development.

Dre London, a veteran music executive and the mastermind behind Post Malone's rise, shares his incredible journey from Brixton to Hollywood. He reveals how he discovered Post in a content house and turned songs like "White Iverson" and "Rockstar" into global hits. Dre discusses the importance of managing budgets and setting boundaries with family while navigating fame. He also dives into his newest venture, Don Londrés Tequila, detailing the challenges of branding and achieving over $2 million in sales within 18 months.

Unlock your path to financial wholeness with Tiffany "Budgetnista" Aliche! In this episode, Tiffany breaks down her 10 essential steps to financial freedom—what she calls "financial wholeness." Whether you’re just starting out or looking to strengthen your foundation, she shares practical advice and real-life stories that can transform your relationship with money. Tiffany, a self-made millionaire, entrepreneur, and educator, discusses why mastering the basics—budgeting, saving, debt management, and more—is crucial for true financial security, regardless of your income. She explains the importance of tools like insurance, building net worth, putting together a trusted money team, and estate planning to ensure your wealth lasts for generations. Throughout the video, Tiffany and host Rashad Bilal keep it real about what it takes to build wealth you can actually keep. Learn the difference between being debt free and truly wealthy, why credit is a powerful lever, and how fundamental habits form the deep roots of lasting success. Tiffany shares insider tips on umbrella insurance, retirement investing, choosing financial professionals, and setting up your legacy. Whether you want to stop feeling overwhelmed by money or take your finances to the next level, this conversation is packed with actionable steps, powerful analogies, and inspiration. Don’t miss out—this is your crash course in building a rock-solid financial foundation! 👇 Drop your favorite tip in the comments and hit subscribe for more conversations about wealth, business, and legacy. Grab Tiffany’s book: [Get Good With Money](https://getgoodwithmoney.com)  Follow @budgetnista for more tips! #FinancialFreedom #Budgetnista #MoneyManagement #PersonalFinance #WealthBuilding #FinancialLiteracy #Investing #Insurance #DebtFree #EYL #MarketMondays #FinancialWholeness #GenerationalWealth #MoneyTeam #FinanceTipsSee omnystudio.com/listener for privacy information.

Explore the intriguing psychology of trading as hosts discuss the risks of overly tight stop losses that can lead to missed gains. Learn why emotional fallout from premature exits can derail your strategy. Discover practical insights on setting thresholds that account for volatility and adjusting strategies based on companies like Nvidia and Microsoft. The conversation emphasizes the importance of a clear trading plan and managing FOMO, reminding listeners to focus on their unique goals rather than comparing themselves to others.

Welcome to Market Mondays! In this episode, Rashad Bilal dives into Amazon’s headline-making announcement of its largest layoffs ever—up to 30,000 jobs—and explores what this move means for investors and the future of work. Is this the start of a new era of efficiency driven by robotics and automation, or a troubling sign for growth investors? Rashad Bilal unpacks the complex implications, noting that while Amazon’s hard pivot toward efficiency mirrors trends initiated by industry leaders like Elon Musk and OpenAI, it also signals ripple effects across the entire job market. With Amazon planning to avoid hiring an additional 180,000 workers by 2027, Rashad discusses how these decisions could forever reshape the corporate landscape. The episode also analyzes key areas that investors should watch in Amazon’s upcoming quarterly report, from AWS performance and advertising growth to international e-commerce expansion. Rashad Bilal breaks down how profitability—especially the improvements in Amazon’s net margin from 5% to over 10%—is being achieved amid rising capital expenditure in AI and automation. These changes underline Amazon’s play for long-term dominance at the expense of traditional workforce structures. Tune in for a balanced take on Amazon’s strategy: the double-edged sword of short-term pain for employees versus stronger cash flow and stock performance for investors. Rashad Bilal also highlights why Amazon remains a personal favorite in his portfolio and why understanding these shifts is crucial for anyone interested in the intersection of technology, investing, and the future of corporate America. Don’t miss this insightful breakdown of one of the world’s biggest companies at a pivotal moment. Subscribe and join the conversation on Market Mondays! *Key Topics Covered:* Amazon’s massive layoffs: headline versus deeper impact Robotics, automation, and the efficiency era How Amazon’s strategy is setting trends for other corporations The role of AI in workforce and profitability shifts What investors should watch for in Amazon’s report Analysis of AWS, advertising, and global expansion Net margin improvements and long-term growth implications *Hashtags:* #MarketMondays #AmazonLayoffs #TechInvesting #EfficiencyEra #Automation #AWS #AITrends #StockMarket #AmazonStock #CorporateLandscape #GrowthInvesting #FinancialNews #RashadBilalSee omnystudio.com/listener for privacy information.

In this clip of Market Mondays, host Ian Dunlap sits down with financial literacy powerhouse John Hope Bryant to break down the crucial steps needed to build strong institutional relationships—especially if you’re starting from scratch. John Hope Bryant wastes no time laying out the real foundation: get your credit score up to at least 700! He explains why having good credit isn’t just a personal milestone, but a fundamental requirement for anyone looking to play in the big leagues of business and finance. Drawing from the Hope Financial Wellness Index, Bryant shares how the average credit score for Black Americans hovers around 620—and how improving that number is the key to opening new doors. Ian and John dive deep into practical advice: Instead of wandering into your neighborhood bank branch, seek out the regional or chief credit officer at a community or mid-sized bank, where decision-makers are more accessible. They dish out insider tips on approaching these professionals—don’t go in with just a transaction in mind. Instead, focus on genuine relationship-building. Personal rapport trumps bravado every time. This conversation uncovers the power of relationship capital: why Harvard, country clubs, and elite initiatives function as lifelong “clubs” that drive opportunity. If you’re wondering why boardrooms often seem exclusive, Ian unpacks the concept of discrimination versus racism and challenges viewers to “break up the comfort” and get in the room where decisions are made. Finally, John and Ian discuss their own business journeys, with John opening up about building and selling a $150 million real estate portfolio and the lessons learned from joint ventures and relinquishing control. If you’re serious about transforming your financial future—especially within Black America—this clip is a must-watch. Learn how financial literacy, AI knowledge, and networking “up the ladder” can reshape your path in just five years. *Key topics in this clip:* Building your credit score to access big deals How to approach mid-tier banking executives for real connections The importance of storytelling and genuine rapport in business Relationship capital: Harvard, country clubs, and the “club” mentality Discrimination vs. racism in hiring and networking Real-life real estate and business lessons from John Hope Bryant The urgency of financial and AI literacy as modern civil rights issues Whether you’re a budding entrepreneur, aspiring investor, or simply want practical steps to connect with powerful institutions, this Market Mondays clip gives you the blueprint. *Make sure to like, comment, and subscribe for more sharp financial insights every Monday!* #MarketMondays #FinancialLiteracy #JohnHopeBryant #IanDunlap #RelationshipCapital #BusinessNetworking #CreditScore #BlackWealth #FinancialWellness #RealEstate #AIGeneration #WealthBuilding #Entrepreneurship #NetworkingTips #CommunityBankingSee omnystudio.com/listener for privacy information.

In this insightful clip from EYL, MG The Mortgage Guy joins Troy Millings and Rashad Bilal to break down creative real estate hacks that can help you qualify for a mortgage and scale your income—especially if you’re not navigating the process alone! Discover how you can leverage roommate (or "border") income, even if it's a boyfriend, girlfriend, or college roommate, to boost your mortgage qualification. MG explains Fannie Mae’s Homeready program, which lets you use documented rental payments from roommates to strengthen your application, as long as you’ve collected proof over at least 9 of the last 12 months. The clip dives into the vital importance of documentation—leases, payment records with memos clarifying "rent," and making sure everyone’s on board. They also discuss common scenarios, like living with a partner (who isn’t on your lease), and how putting everything in writing can unlock significant buying power, all while keeping your finances and future flexibility secure. Graduating college soon? MG reveals a little-known hack: you can use your college history as work history for mortgage qualification, and if you’ve collected rent from roommates (with all the right paperwork), that’s extra income to help you buy your first home right after graduation! For those interested in maximizing every opportunity, they touch on leveraging an ADU (Accessory Dwelling Unit) for long- or mid-term rental income, and how areas near hospitals, airports, or New AI data centers can create lucrative mid-term rental plays—ideal for traveling professionals, corporate consultants, or construction workers on multi-month assignments. Whether you have a pool to rent out (think Swimply), extra space in your home, or are just getting started, this strategy-packed clip is a must-watch for anyone looking to house hack, generate additional income, or simply make smarter real estate moves. Hit play to learn how better documentation, teamwork, and a little creativity can make real estate investing more accessible than you ever thought possible! *#RealEstate #HouseHacking #MortgageTips #EYL #RoommateIncome #ADU #HomeBuying #FinancialFreedom #Swimply #Investing #CollegeHacks #WealthBuilding*See omnystudio.com/listener for privacy information.

Welcome to Market Mondays! In this special clip, Ian Dunlap joins hosts Troy Millings and Rashad Bilal for a deep dive into successful, long-term investing—specifically Ian’s “2Tech2 Index” approach. If you’re seeking clarity on building wealth through investing, this is the discussion you can’t afford to miss. *What’s the “2Tech2 Index” Strategy?* Ian breaks down his simple yet powerful philosophy: You only need four essential companies or assets to achieve financial success. The formula? Anchor your portfolio with two trusted index funds (VOO and VTI) and complement them with two technology giants (Microsoft and Apple). This blend aims to capture broad market growth while focusing on proven tech leaders—making investing easy, straightforward, and effective for anyone. *Crash-Proof Investing & Market Timing Myths* Are you one of the many waiting for a massive market crash to “buy the dip”? Ian has a wake-up call: Most investors won’t have the nerve (or timing) to jump in at rock-bottom prices. Instead of holding cash on the sidelines, Ian insists that regularly investing—especially in companies with strong fundamentals like Nvidia, Microsoft, and others—will serve you much better over time. Historically, some companies actually “melt up” in value while broader markets decline, providing rare opportunities for focused investors. *Investing for Decades, Not Days* Ian, Troy, and Rashad stress that any investment strategy should be solid enough to last for 30 years, not just a year or two. Chasing trends or making frequent strategy changes typically leads to worse outcomes. The bond market may have worked in the past, but today’s environment favors equities—especially dominant US tech firms. *Themes Covered in This Clip:* Why you only need four assets to build lasting wealth The critical role of index funds and top tech stocks Market drops, crashes, and why timing them is nearly impossible The US/China tech war and how it impacts markets The importance of sticking to a consistent investment strategy Whether you’re a new investor or an experienced market participant, this conversation provides actionable insights into portfolio construction and the mindset needed for long-term financial growth. No jargon, just straight talk from the Market Mondays crew! *Drop your thoughts in the comments if you’ve used the 2Tech2 Index—and let us know which companies anchor your investment journey!* *Hashtags:* #MarketMondays #Investing #2Tech2Index #IndexFunds #TechStocks #IanDunlap #Microsoft #Apple #Nvidia #StockMarket #WealthBuilding #PersonalFinance --- Subscribe for more clips and actionable investing wisdom every week!See omnystudio.com/listener for privacy information.

In this week’s episode of Earn Your Leisure, we sit down with Live Alkaline Water, the first Black-owned bottled water company in Walmart, to uncover how two brothers turned a 400-year-old natural spring into a multi-million dollar business. 💧 From meeting EYL at a networking event to becoming the official water sponsor for Invest Fest, their story is a masterclass in execution, strategy, and turning opportunity into ownership. We break down the step-by-step process of bottling water, how they secured their first major deal, and what it really takes to build trust and partnerships that last. We also dive deep into the $300 billion bottled water industry, the science behind alkaline water, why glass bottles are superior, and how LiveAlkalineNC plans to scale globally while staying rooted in family and community legacy. If you believe in faith, business, and legacy — this episode will inspire you to start where you are and build something everlasting. 🌍 #EarnYourLeisure #LiveAlkalineNC #InvestFest #BlackOwnedBusiness #Entrepreneurship #FinancialFreedom #WaterIndustry #EYL #Networking #BusinessGrowth #Ownership #Legacy #WealthBuilding #Motivation #InvestInYourselfSee omnystudio.com/listener for privacy information.

In this Market Mondays clip, Rashad Bilal, Ian Dunlap, and Troy Millings break down Elon Musk’s unprecedented $1 trillion compensation proposal at Tesla. Musk, currently the richest person in the world, has requested a payout package with ambitious benchmarks—he only stands to earn the $1 trillion if Tesla reaches an astounding $8.5 trillion valuation, far above its current worth. The conversation covers the stakes of this deal, Musk’s influence on Tesla’s success, and the implications for shareholders. Tune in as the hosts debate whether one person should hold so much power and value in a company. Is Tesla’s success all about Musk, or does the company provide real innovation that can stand the test of time? The clip draws historical parallels, discussing Steve Jobs’ ousting from Apple and Warren Buffett’s impact on Berkshire Hathaway, all to ask: What happens when a visionary leader steps away? The hosts also explore Musk’s vision for Tesla, which now goes beyond cars into robotics and AI, and consider how much Tesla’s value depends on Musk himself. If you’re a Tesla investor, find out what this vote could mean for you—and for Tesla’s future. Don’t miss this insightful clip as the Market Mondays crew discusses: The $1 trillion compensation package and its benchmarks Musk’s negotiation tactics and threats to walk away The dependence of Tesla’s value on Musk’s leadership Sentiment vs. fundamentals in Tesla’s stock performance Historical lessons from other visionary CEOs What’s next for Tesla beyond Elon Musk If you own Tesla stock, you might have a say in this game-changing decision! Get the full scoop and join the discussion with Market Mondays. *Hashtags:* #ElonMusk #Tesla #MarketMondays #TrillionDollarDeal #StockMarket #Investing #VisionaryLeaders #Compensation #TeslaInvestors #BusinessNewsSee omnystudio.com/listener for privacy information.