Nightcap - Hour 1: Mahomes defends Chiefs, John Hope Bryant joins, financial literacy

Summary

Podcast Summary: Club Shay Shay – Nightcap Episode 1

Title: Nightcap - Hour 1: Mahomes Defends Chiefs, John Hope Bryant Joins, Financial Literacy
Release Date: January 23, 2025
Host/Authors: Shannon Sharpe & Chad Ochocinco
Guest: John Hope Bryant
Description: NFL legend Shannon Sharpe and former NFL star Chad Ochocinco engage with prominent figures to discuss sports, financial literacy, and community empowerment.

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1. Introduction and Episode Overview

The episode kicks off with Shannon Sharpe and Chad Ochocinco welcoming listeners to "Nightcap," emphasizing their dual role in entertainment and education. They introduce the episode's primary themes: defending Patrick Mahomes and the Kansas City Chiefs against claims of receiving favorable officiating, and a deep dive into financial literacy with special guest John Hope Bryant.

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2. Patrick Mahomes and the Kansas City Chiefs’ Officiating

Discussion Highlights:

• Mahomes' Defense of Officiating: Patrick Mahomes addresses allegations that the Chiefs receive favorable calls from referees. Mahomes maintains, “[Referees] are doing the best they can... they can never really tell because every play is different” (07:20).

• Statistical Breakdown: Chad Ochocinco presents statistics showing that Mahomes and the Chiefs are among the least penalized teams. Mahomes has received only six roughing the passer calls and two unsportsmanlike conduct penalties despite being sacked 106 times this season (10:12).

• Comparison with Other Quarterbacks: The hosts compare Mahomes’ penalty rates with other quarterbacks like Russell Wilson and Baker Mayfield, highlighting that Mahomes is penalized significantly less (08:07).

• Impact of Media Presence: Chad Ochocinco suggests that the Chiefs' constant media presence might make any minor favorable calls seem more significant to the public (09:08).

• Mahomes' Game Management: Discussions include Mahomes’ strategy of sliding late and occasionally faking contact to draw penalties, which Chad acknowledges as leveraging the rules to his advantage (11:02).

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3. Comparing Chiefs to the New England Patriots

Discussion Highlights:

• Sustained Success: Chad Ochocinco draws parallels between the Chiefs’ dominance under Mahomes and Andy Reid and the Patriots’ era with Tom Brady and Bill Belichick, noting public fatigue over their repeated successes (12:32).

• Public Perception: Both teams are perpetually in the spotlight, leading to increased scrutiny and scrutiny-induced fatigue among fans (17:23).

• Legacy and Future Challenges: Shannon Sharpe emphasizes that Mahomes hasn’t experienced not winning a division title, contrasting with Tom Brady’s extensive championship history, highlighting the pressure to maintain success (18:06).

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4. Financial Literacy Segment with John Hope Bryant

Introduction of Guest:

Shannon Sharpe introduces John Hope Bryant, a renowned financial expert, emphasizing his expertise in helping individuals build and manage wealth. John Hope Bryant shares insights on financial literacy as a critical component for community empowerment.

Key Discussions:

• Importance of Credit Scores: John Hope Bryant underscores that a strong credit score is as vital as a college degree, stating, “Financial literacy is as important as the right to vote” (29:15). He discusses how different communities manage their credit scores and the long-term impacts on wealth accumulation.

• Financial Habits and Wealth Building: The conversation delves into effective financial habits, such as reducing unnecessary expenses (e.g., frequent Starbucks visits and cigarette purchases) to increase disposable income for investments (53:29). John emphasizes investing small amounts regularly, like fractional shares, to build wealth over time.

• Systemic Barriers and Financial Education: John Hope Bryant explains how historical and systemic barriers have hindered financial literacy in the Black community. He advocates for education and access to financial resources as tools to combat these challenges, noting, “We are brilliant... but we were never taught financial literacy” (33:29).

• Operation Hope Initiative: Highlighting his work with Operation Hope, John showcases how financial coaching and education have empowered over half a billion dollars in Black and Brown neighborhoods, emphasizing practical steps towards financial independence (58:05).

• Five Pillars of Success: John outlines five pillars essential for financial success:

  1. Education: Continuous learning and self-improvement.
  2. Understanding Money: Mastering the language and mechanics of finance.
  3. Self-Esteem and Confidence: Building personal worth and financial self-assurance.
  4. Family Structure and Resilience: Maintaining strong family ties and bouncing back from financial setbacks.
  5. Role Models and Environment: Surrounding oneself with successful and supportive influences (60:06).

Notable Quotes:

• John Hope Bryant: “Money has velocity. It's not stopping. It will go. And if you're financially illiterate, people who are illiterate will separate you from that $1.7 trillion we generate and spend every year” (32:45).

• Shannon Sharpe: “If I want to argue with you, I want to argue with you. Don't give me facts because now you're going to ruin the argument” (09:08).

• John Hope Bryant: “Financial literacy is a civil rights issue of this generation” (33:29).

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5. Practical Financial Advice and Community Empowerment

Strategies for Wealth Building:

• Avoiding Unnecessary Debt: Shannon and John discuss the dangers of accruing debt for non-essential items, such as luxury vacations or expensive cars, and the importance of living within one’s means (70:15).

• Investing Wisely: Encouraging listeners to invest spare funds into portfolios, even starting with small amounts to take advantage of compound interest and market growth (56:08).

• Utilizing Government Programs: John Hope Bryant highlights the Earned Income Tax Credit (EITC), explaining how eligible individuals can receive significant refunds, emphasizing the importance of utilizing available resources (57:45).

Community Initiatives:

• Operation Hope: John elaborates on his initiative, which offers free financial counseling through over 1,500 offices, aiming to increase homeownership and reduce debt in underserved communities (59:57).

• Encouraging Entrepreneurship: Both hosts and John advocate for Black and Brown entrepreneurship, suggesting that owning businesses is a critical path to wealth accumulation and community upliftment (63:14).

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6. Closing Remarks and Key Takeaways

Closing Thoughts:

Shannon Sharpe and Chad Ochocinco thank John Hope Bryant for his invaluable insights, reinforcing the episode's commitment to not only entertain but also educate and empower their audience. They reiterate the importance of financial literacy and responsible money management as foundations for long-term success and stability.

Key Takeaways:

• Financial Literacy is Crucial: Understanding and managing personal finances are essential for building and sustaining wealth, especially within underserved communities.

• Invest Wisely and Live Within Means: Reducing unnecessary expenses and investing strategically can lead to significant financial growth over time.

• Community Empowerment through Education: Initiatives like Operation Hope play a vital role in providing financial education and resources to those who need them most.

• Balanced Success in Sports and Finances: While athletic success is celebrated, it must be complemented with financial acumen to ensure lasting prosperity beyond the sports career.

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Notable Quotes with Timestamps

• Patrick Mahomes on Officiating:

  “I don't feel that way. At the end of the day, the referees are doing the best they can.” (07:20)

• Chad Ochocinco on Chiefs' Penalties:

  “Facts ruin an argument. If you point this out, then they then, okay, then they go to something else.” (09:08)

• John Hope Bryant on Financial Literacy:

  “Financial literacy is a civil rights issue of this generation.” (33:29)

• Shannon Sharpe on Financial Responsibility:

  “You got money to go on all these vacations. I’ve never understood borrowing money to go on a vacation.” (70:15)

• John Hope Bryant on Wealth Building:

  “You build wealth in your sleep. Stocks, bonds, homeownership, investments, businesses.” (61:03)

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Conclusion

This episode of "Nightcap" masterfully intertwines sports commentary with critical discussions on financial literacy and community empowerment. By addressing misconceptions about sports officiating and delving deep into financial strategies with John Hope Bryant, Shannon Sharpe and Chad Ochocinco provide listeners with both entertaining insights and practical advice for personal and communal growth.

For those seeking a blend of sports analysis and financial wisdom, this episode serves as an informative and engaging resource, encouraging listeners to not only support their favorite teams but also take proactive steps toward financial independence and community upliftment.

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Timestamps Reference:

• Timestamp Format: MM:SS
• Example: (07:20) corresponds to 7 minutes and 20 seconds into the podcast.

Note: The timestamps are indicative and correspond to key sections within the transcript.

Transcript

[Shannon Sharpe]

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[Chad Ochocinco]

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[John Hope Bryant]

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[Chad Ochocinco]

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[John Hope Bryant]

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[Chad Ochocinco]

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[John Hope Bryant]

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[Chad Ochocinco]

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[Shannon Sharpe]

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[John Hope Bryant]

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[Shannon Sharpe]

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[John Hope Bryant]

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[Shannon Sharpe]

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Call 1-800- gambler or in West Virginia, visit 1-800-ambler.net In New York, call 877-8-HOPENY or text hopeny467-369 In Connecticut, help is available for problem gambling. Call 888-789-7777 or visit ccpg.org Please play responsibly on behalf of Boothill Casino and Resort in Kansas, 21 and over. Age varies by jurisdiction. Void in on sweat bet per new customer issued as one Bonus bet based on amount of initial losing bet. Bonus bets expire 168 hours after issuance. See dkng.com promos for deposit, wagering and eligibility restrictions terms and responsible gaming resources. Hello ladies and gentlemen, and thank you for joining us for another episode of Nightcap. Y'all know who I am. I'm your favorite unc, Shannon Sharpe, the Liberty City legend, the Bingo Ring of Fame honoree, the Pro Bowler, the All Pro dressed up in his E, all blinged out. That's Chad Ochocinko Johnson. Please make sure you hit that subscribe button. Please make sure you hit that like button. Tell a family friend or loved one to do likewise. Subscribe. And like, make sure you go subscribe to the Nightcap podcast feed wherever you get your podcast from. Thank you guys for being so supportive. You've supported us all the way 23, 24, 25, and hopefully you'll continue to support us 25 and beyond. Make sure you check out Shea by Laportier. We do have it in stock. Let's celebrate the New Year. What better way to celebrate than with a bottle of Shea by La Portier? Now, if you cannot find it in a city or state near you, order it. We'll ship it directly to your door. And please, please drink responsibly. Go follow my Media Company page on all of its platforms. That's Shay Shay Media. Make sure you tune into Humble Baddies tomorrow night at 8pm Eastern. That's the new Netflix show Wags to Riches that premiered today. They talk about us, Ocho. So we all there a little bit. We all there a little bit. So make sure you go check out Humble Baddies live show tomorrow night at 8pm Eastern. Also, my clothing company 84 with 84 being spelled out. Our newest releases just dropped last month. Shirts, sweats, beanies, koozies and mugs. But remember, quantities are limited so please make sure you grab yours while supplies Last tickets for the super bowl show in New Orleans. This is our first spring tour stop. The tickets are on sale now. The link is pinned at the top of the chat. Unfortunately, the VIP meet and greet tickets are sold out, but there are still many more tickets left for you to attend the big show Feb. 6 at the Mahalia Jackson Theater in New Orleans. We got big time guests coming on. We got a very. There's something else special. Check me out. Check this out guys. When we announce what's going to happen, the show is going to sell out in a matter of minutes. So I advise you, please listen to me. Now. Y'all know I be shooting. I shoot you straight. I don't bull jive you. We got a very, very, very special feature that's going to happen during the live show. You don't want to miss it. If you're in New Orleans, grab your tickets now. You will not be disappointed. Both Nightcap and Club Shay Shay are both nominated for NAACP Image Award. Nightcap is nominated for the outstanding podcast Art, Sports and entertainment. Club Shiseay was nominated Outstanding Podcast Society and Culture. Please go vote for your favorite guys, Unc and Ocho. The link is pinned at the top of our social bios. We have a very special guest joining us tonight in a bit, the legendary John Hope Bryant. But first, Ocho, we got these games this weekend. Let's talk about the two time defending champs, the Chiefs. The Houston Texans might think Patrick Mahomes and the Chiefs receive favorable calls from game officials, but Mahomes doesn't agree. I don't feel that way, mahomes said. At the end of the day, the referees are doing the best they can. Best to call the game as fair and as proper as they possibly can. And all they can do is go out there and play. And all we can do is go out there and play the game that you love as hard as you can and live with the results. I think we preach that here in Kansas City. You get new referees every year. You get new circumstances. You can never really tell because they every play is different and that's what makes the NFL so special. I feel like I've just continued to play the game and I just try to win. Whatever happens, happens kind of happens. Ocho, check this out. Roughing calls per hundred pass attempts. Patrick Mahomes receives the fewest he 63% of the time, Russell Wilson 71% of the time, Baker Mayfield 93, 73% of the time, cousins 74% of the time, Deshaun Watson, 78, Derrick Goff 78 and Josh Allen almost 94%.

[Chad Ochocinco]

You know what's funny? And now that's, now that you broke it down like that. Earlier today on Inside the NFL, we broke down the numbers. We talked about the same thing, about people feeling that Patrick Mahomes and the Chiefs in general got all these, all these calls and come to find out it was nothing like that. When you look at the numbers in its totality and they are the least penalized team, you know, as far as Mahomes is concerned, as far. But what I did find out is they're the most penalized offense. The offensive line, the holding calls. Yes, they're here at the top of.

[Shannon Sharpe]

The league in that Juwan Watson, the right, the right tackle, has been penalized. They have had 14 accepted penalties on him.

[Chad Ochocinco]

Yeah, on him by itself.

[Shannon Sharpe]

On him alone. You see what happens, though, Ocho? Facts ruin an argument. Because, see, if you point this out, then they then, okay, then they go to something else. But what about this call saying they're receiving preferential treatment, but when we show you the numbers don't bear that out, then you have to find something else to argue about.

[Chad Ochocinco]

Exactly. So, and another thing, another thing, I will say this, too. The Chiefs are continuously, always on tv. That's one. They're always playoffs. They're always in the AFC Championship. And what I have come to find out is, is the calls that they do get that go in their favor, it's not that many, but the ones that they do get, they happen at the opportune times where it's advantageous for them.

[Shannon Sharpe]

Right.

[Chad Ochocinco]

Important moment.

[Shannon Sharpe]

Yes.

[Chad Ochocinco]

Always an important moment. So people take that. They run with them to say, oh, they get all the calls. But that's. That's truly not the case. And I thought, honestly, and I might be. I might be one of them. I just, from the outside looking in, I would say, you know what? God damn, did she get all the goddamn calls? But when, when I, when they broke it down today and we're able to look at the numbers and skim through them, I'm like, well, not even close. It's not even close. Not even close to what everybody is saying. But I think it's because they're always on TV in the few calls that they do get. It always happened. It always happens in very important times in a game.

[Shannon Sharpe]

Patrick Mahomes has been sacked or knocked down 106 times this season. He's been the beneficiary of six roughing the passer calls and two unsportsmanlike conduct calls. He gets calls. Seven percent of the time he gets contacted. Now, when you reference that with others, it's not even close. Yeah, it's not even close. But see, facts are ruining an argument. Ocho, if I want to argue with you, I want to argue with you. Don't give me facts because now you're going to ruin the argument. I won't have anything to argue about right now. It's kind of like in a relationship, Ocho, you give the person the facts. No, no. But still, now they find something else to argue about. No, let's continue to talk about this because this, what was in your crawl. This what was ruffled your dandruff. This what got you in a ball right now, I give you the facts. Oh, it's something else.

[Chad Ochocinco]

Now, another thing I will say now, when it comes to Mahomes, the NFL has implemented rules to protect the quarterback. Yes, all quarterbacks, all quarterbacks are protected. Now, what I do find Patrick Mahomes doing in chat, y'all can agree with me to this and you can attest to this, because we've all watch him. He is taking advantage of the rules. He's sliding late. He's sliding late. He's flopping a little bit with some of the hits. Now, the hit on Will Anderson, I can see the ref seeing it. He hit him around the chest plate area. Him flopping and throwing himself back a little bit when it's time to go out of bounds. You've seen it, too. This year, instead of stepping out of bounds, he's taking it up field, sometimes even slowing down before stepping out just so he can create the contact to try and draw a foul. Now, I've seen that a few times.

[Shannon Sharpe]

But if he slowed down in his ass in bounds. Blasted.

[Chad Ochocinco]

But yeah, but listen, you can. And he's done that. I forgot what week it was. He did it. And he did it just this previous week, too. He slowed down instead of just going out. Going out.

[Shannon Sharpe]

That was in Texas. You remember Caleb Williams did that.

[John Hope Bryant]

Yeah.

[Shannon Sharpe]

And Dan Campbell says, look here, refs, this is what he does. He pretends like he's gonna go out of bounds. He slows up and sometimes he cuts back. Now he's inbounds. We're going to blast his ass if he does that. And lo and behold, right on cue, Thanksgiving, he did that. And Jack Campbell, I think, was the linebacker, he blasted it. That's what should happen. Blast his ass. If he's in bounds, I don't care what he is. If he's in bounds and he's standing upright, knock his shoes off.

[Chad Ochocinco]

Listen, the Chiefs right now are in the same position that the Patriots were in for a very long time.

[Shannon Sharpe]

Absolutely.

[Chad Ochocinco]

People were tired of seeing them win. They're always in contention. Super Bowl 2, back to back, Super Bowls, a chance to 3 peat. And I think people are just tired of in finding things to argue and fuss about when they have. Once you look at the facts and skim through it, as far as the penalty is concerned, is nowhere near what everybody chirping out to be.

[Shannon Sharpe]

But the thing is, Ocho, when you look at some of the past interference calls, I mean, and that's what got it, James Bradbury iv, he literally said out of his own mouth, I held Juju. People argue with a man that was on the field and actually said he held him. Yeah, but you can't make the why, Ocho. The objective is when they put the rules in place, they didn't say time. Well, you can't make this in the fourth quarter with two minutes to go. You can't make this call late in the ball game. You can't make this call early. They said a penalty. No matter time or place on the field, if you do it, it is a penalty.

[Chad Ochocinco]

Ye.

[Shannon Sharpe]

James Bradbury said I held a guy, I felt him getting away. I was hoping, he said, I was hoping they didn't see it. Yeah, that's what he said. Everybody argued this man. Well, he just do it. No, I promise you guys don't just do the right thing. In situations like that, guys don't say, nah, I help. If they didn't hold, he's gonna go to his gr. No, I didn't hold him. And then the pool reporter, I think it was Carl Cheppers, came out. I forget who the official was saying what happened. Juju released inside. He's looking to option back away and he tugged him. Because they run so many shallow crosses. That's why it's so easy for them to option back out, Ocho, because you know, I gotta beat you over the top. Cause I don't want you to get the first down, right? So now he gets that hard running and stop and shoves the option away. You got the tug because your momentum is going over the top. So you tug and you use your momentum, like we call it slingshot, to catch back up with it. They threw the flag. You can't make that call in that situation. You absolutely can, because. And this was the question I asked, if a guy had done that to AJ Brown or DeVonta Smith, would you have wanted that call? Yes or no. Or would you have said, you can't make that call in that situation?

[Chad Ochocinco]

They don't want that call now. Of course they gonna want that call.

[Shannon Sharpe]

It was a foul. You're right, Ocho. When you win as much, people like for you to win, but I don't want you to win too much. Och, I like Nightcap, but, hey, man, y'all gotta stop winning all these awards now. Damn. Every time I turn around, it's a Webby. It's an iHeart award, it's an NAACP award, it's a this, it's a that. Come on, now. Yeah, come on, now. Come on. Hey, let somebody else win, huh? But this ain't second grade. Let somebody else. You go out there and you compete and you try to produce the best that you possibly can. I mean, you don't. You know what? Hey, O, man, you know what? I think we don't want to. Enough. Okay, man, look, let's produce some bad content. Let's not even do. Don't even worry about the Webbies. Don't even worry about these awards. No. If we gonna get up and spend all this time that we do, we do sometimes.

[John Hope Bryant]

What?

[Shannon Sharpe]

We went six straight days.

[John Hope Bryant]

We went.

[Shannon Sharpe]

We went like seven, eight days. One day around Christmas time. Went that Monday. We went that Wednesday, Thursday, Friday, Saturday, Sunday back to Monday. No, no, no, no, no, no, no, no, no. It doesn't work like that. We're going to produce. We're going to do. And the teams, they go out there. Oh, y'all done did all this work. I'm out there, and it's cold as hell. It's 10 degrees. It's minus degrees. It's 100 degrees. And now you gonna talk about let somebody else win? I want to see somebody else win. Yes. We went nine straight days during the Olympics. Remember the Olympics, Ocho? We were on every day.

[John Hope Bryant]

Oh, yeah.

[Shannon Sharpe]

Every day. So, look, I get it. But when you play. When you play the game, Ocho.

[Chad Ochocinco]

Yes, sir.

[Shannon Sharpe]

You have a different perspective because you know what it takes. Because winning isn't easy at All. And as you go further and further along, it gets harder and harder and harder.

[Chad Ochocinco]

You know, it's funny for fans, let's say, in general, regardless of who your team is, when you look at the Patriots, the Patriots have spoiled everybody. That tenure with Tom Brady and Bill Belichick, throughout all those years, they had people thinking, it's very easy. It's very easy to do what they did. What Andy Reid and Patrick Mahomes are doing consistently year in, year in and year out for the past seven years, or however many years Patrick Mahomes has been, started going to the AFC Championship. They have people. It's very, very easy. Man, it ain't easy.

[Shannon Sharpe]

Hell no.

[Chad Ochocinco]

It is very hard to do what they're doing. It just. People have been spoiled by what they've been able to accomplish. It just isn't a testament to their greatness and how good they are as two coach, as a coach and a player. And now Andy Reid and Patrick Mahomes are having that same success, and people are just tired of seeing it, huh?

[Shannon Sharpe]

It is, Ocho. But think about it. Think about how many times I think Tom Brady might have won the division, like 15, 16, 17 times in his career. Ocho, I won as many Super Bowls as I did division titles. And I played 14 years. Yeah. I won three division titles. Patrick Mahomes doesn't know what it's like to not win the division title.

[John Hope Bryant]

Right.

[Shannon Sharpe]

They wanted, what, eight, nine straight years? Cause they wanted a couple of years with Alex Smith, and then they won it when my homeboy took over. Yeah. So for the most part, if you got to Kansas City in the last, say, six, seven, eight years, you don't know what it's like not to be the AFC west champs. You don't know what it's like not to play in the AFC Championship game. Cause that's all you know. It's like a family that goes on vacation. They don't know what it's like not to go on vacation during the summer. Our black ass didn't know what it was like to go on vacation during the summer. So you're like, damn. I mean, I'm like, man, I sure wish they could. I wish they stopped going on vacation.

[Chad Ochocinco]

Why?

[John Hope Bryant]

You missing somebody?

[Shannon Sharpe]

Don't you want your team to beat them? I thought you to be the man. You gotta beat the man to be the champ. You got to beat the champ.

[Chad Ochocinco]

Listen. Hey, that game gonna be so good, man.

[Shannon Sharpe]

Yes. At least that's what we hope.

[Chad Ochocinco]

It's Saturday.

[Shannon Sharpe]

It's Sunday. Sunday. Both games On Sunday, same time. Like 3 and 6:30, I think. 3 and 6, 6:30, something like that.

[Chad Ochocinco]

And the thing, yeah, my prediction, I, I predicted. Listen, Mahomes is great. The Chiefs are great spags. The defense and what they're, what they're doing is great. And Josh Allen has played phenomenal football this year. And one of the things that's always been Zachee's heel is turning the ball over. And he's fixed it, he's fixed that. And people ask me who's going to win the game? And I said the team or the quarterback that makes the fewest mistakes? The team of the quarterback that makes the fewest mistakes. So I had to score. I had to score. The game being low and with the way Josh Allen is playing, if he can play like he played last week, week, not turn the ball over, protect the ball, everyone makes the play they need to make. I say they have a good chance at finally beating the greatness that is passed.

[Shannon Sharpe]

Exercising those demons. Yeah, because here's the thing, Ocho. People keep saying, well, you know, can. Does Josh Allen has to be Superman. No, he doesn't. He can be Clark Kidd long he don't turn the ball over. We've seen him beat Superman in certain situations. But turnovers be his undoing. As long as he doesn't turn the ball over, they have an excellent chance of winning the game. And if you look at Josh's history, more times than not when he takes care of the football, they win or they're in position to win. When you start turning the ball over late, you can talk about a division around. Go back and look last week, the teams that turned the ball over, they lost all of them. All of them. It's really that simple. The teams that turn the football over lose. As you go further, you pay more and more price, a heavier, heavier price for turning the football over. But you look, that's, that's what you get, Ocho, when a team is win. Because we're not used to seeing teams win like, like the Chiefs, we, we got the, the Patriots did it and we like, oh, so we done with that now, Ocho. We ain't got to worry about seeing.

[John Hope Bryant]

That for another 20, 30 years.

[Shannon Sharpe]

Hold on. How does the Patriots, they fall off when they lose Tom Brady and there's Patrick Mahomes right here to just to pick right back up. Yeah, because I don't know if you know this ojo, but animals, like if you have an infant, like if you have a, a squirrel or a raccoon problem.

[John Hope Bryant]

Yeah.

[Shannon Sharpe]

If you get rid of them and you don't board it up, another. Another family will come in. Because those animals are territorial. So if one move, the other one will move right in. It's kind of like just like an abandoned building. You got homeless people living in it. If you don't board it up, guess what? You move one that said I, they gonna come. Nobody coming right back in, Right? So if you don't fix this problem, they got a good quarterback. They got. So they got the next quarterback in line to Tom Brady. Why are we surprised?

[Chad Ochocinco]

It's gonna be. It's gonna be like this for a while. We got a long way to go now.

[Shannon Sharpe]

He's 29.

[Chad Ochocinco]

Long way to go.

[Shannon Sharpe]

He's 29.

[John Hope Bryant]

Yeah.

[Shannon Sharpe]

Now, there are a lot of great young quarterbacks. There are a lot of great young quarterbacks. I mean, Big Ben was a good quarterback. Philip river was a good quarterback. Peyton Manning was in the league at the time. There are a lot of quarterbacks in the league. Donovan McNabb was in the league at the time. Steve McNair was in the league at the time. Drew Brees within the league at the time. Let's not pretend there weren't no good quarterbacks in the league when Tom was in. Yeah, they were. He just happened to be at the top of the picking order. So until somebody beat him. And you're gonna, hey, don't think now you can knock them because Cincinnati knocked them off one year and guess what? They came back and got two more. So just cause you knock them off, don't think that's the end of them now. Because remember from Tom Brady, from the time he won his third until he won his fourth, there was a decade lapse and everybody said, oh yeah, we don't see that's the end of it. Nah, that man came back and went fomo. We all have experience paying extra fees. Like the one time I had a layover in Salt Lake City, they canceled my flight and I had to buy another plane ticket just to make it home. When we're trying to make progress, life's curveballs often feel like taking one step forward and two steps backwards. A Chime checking account makes financial progress easier with features like no maintenance fees. Fee free overdraft up to $200, or getting paid up to two days early with direct deposit. It don't even ask me how I paid for my first house when I made it to the league. That's the beauty of Chime Chime helps you make progress. Fee free overdraft up to $200 by applying your next deposit to your balance. In addition, there's no monthly fees or maintenance fees and chime offers over 50,000 fee free ATMs. Make progress towards a better financial future with Chime. Open an account in 2 [e-mail] nightcap that's chime.com nightcap Chime feels like progress. Banking services and debit cards provided by Bancorp North America or Stride Bank North America members FDIC SPOTME eligibility requirements and overdraft limits apply. Booths are available to eligible CHIME members enrolled at Spotme and are subject to monthly limits. Timing depends on submission of payment file fees. Apply at out of Network Atmospheric you can count on T Mobile to help keep you connected from big cities to small towns on America's largest 5G network. Switch the T Mobile keep your phone and they'll pay it off up to 800 bucks per line via prepaid card. Learn more@t mobile.com Keep and switch up to four lines via virtual prepaid card. Allow 15 days qualifying unlock device, credit service port in 90 plus days with device and eligible carrier and timely redemption card. Has no cash access and expires in six months. The new year means new health goals not just for your body, but your finances too. But did you know financial health is directly related to identity protection? You need Lifelock because your personal info is in endless places that are outside of your control. It only takes one mistake, and not even your mistake to expose you to identity theft and lost funds. Lifelock monitors hundreds of millions of data points per second and alerts you to threats you could miss on your own. If your identity is stolen, LifeLock's US based restoration specialists will fix it, backed by the million dollar protection package. In fact, restoration is guaranteed or your subscription money back. Don't face drained accounts, fraudulent loans or other financial losses from identity theft alone. Resolve to make identity, health and wealth part of your New Year's goals with LifeLock. Visit LifeLock.com iHeart and save up to 40% your first year. That's 40% [e-mail] iHeart terms apply. Oh, such a clutch off season pickup, Dave. I know right? I was worried we'd bring back the same team. Oh no, I meant those Blackout motorized shades. MVP of the room. Blinds.com made it crazy affordable to replace our old blinds. Hard to install? No, it's easy.

[John Hope Bryant]

Even you could do it.

[Shannon Sharpe]

Nice. I installed these and then got some for my mom too. You fly across the country to do the install? Nope. Blinds.com can do it all. All she had to do was pick what she wanted. She talked to a design consultant for free and scheduled a professional measure and install. Look at you. Hall of fame, son. Oh, I just picked the winning team. They're the number one online retailer of custom window coverings in the world.

[John Hope Bryant]

Oh.

[Shannon Sharpe]

Blinds.com is the goat. The goat shop. Blinds.com right now. And get up to 45% off select styles, plus a professional measure and a 100% satisfaction guarantee. Save up to [e-mail]. blinds.com rules and restrictions may apply. All right, Ocho, we got a very special guest joining us. Very good friend I met. Had a conversation with him. Ask him would he join us from time to time. Great guy, Great financial guy. Had some great ideas of how and what you should do if you get some money, how you can save your money. He and I had a great conversation. Talking about, he told me, like, if your assets are on your ass, you not set. So without it. Without any further ado, let's give it up. Good friend of mine, John Holbright. John, how you doing?

[John Hope Bryant]

All good, my man. Good to be with you.

[Shannon Sharpe]

Good to be with you. So a couple of weeks ago, you did a lot of work.

[John Hope Bryant]

You know what? You know what? The ladies, the ladies had talked to me about you since you were at the farm, and they said, you know, you know what the biggest thing on Shannon Sharpe is? I was like, I don't know if I know the answer to this question. No, no. The biggest thing on Shannon Sharpe is his credit score. He's got a 800 credit score. This brother's making smart sexy. We've been making dumb sexy for way too long. We've gone down and celebrated it. It's time to make smart sexy again. You want to impress me? Give me a. Get an A in math. You want to impress me? Yeah, right. Don't just be cute. When you go to the club tonight. When you go to the club tonight, you ask her a name. Yeah, you finally. Then what's your credit score? That's your partner for life. Anyway, I heard that you're a very high credit score, Shannon. Kudos to you, brother. I am.

[Shannon Sharpe]

I'm trying to get it back to 850. I'm trying to get it back to 850. It's been real slow to get back to get it back up there, but I'm trying.

[John Hope Bryant]

Yeah.

[Chad Ochocinco]

And, brother John, I'm glad you opened up with that I'm glad you opened up with the credit score thing. For the people that are in the chat I see this discourse many times, especially on Twitter, where people are always arguing. There'll be a question, would you rather 800 credit score or a certain amount of money? And it'd be a lot of money. Let's say just a million dollars. It might be. And every time on Twitter, they arguing for hours and hours at a time. And everybody chooses a certain amount of money as opposed to a credit score. For those that are in the chat, can you please explain to them how important it is to have a credit score over for any amount of money? People don't. People see the. The dollar figures and the amount of money and they forget credit. I want to lump some of money.

[John Hope Bryant]

Yeah. Ambassador Andrew young, who was doctor. Who's Dr. King, by the way. Good to see you. God bless you, man. Both of you guys are legends. Well, when ambassador Young was on that balcony with Dr. King when he was assassinated, he's also built. The city I'm in now is the only international city in the American south. The biggest economy in The south, the 10 largest economy in the U. S. And he would say to live in a system of free enterprise and not to understand the rules of free enterprise must be the very definition of slavery. So, wow. So you make money. My boy, Tony Rustler, billionaire tone, taught me this lesson. You make money during the day. He owns the Atlanta, Atlanta Hawks. For those who have just our sports fanatics, that's not where he made his money. That was originally his toy. It was just something to play with. Now it's worth billions. But he made his money in finance, actually in Aries management. Anyway. Built his wealth. A really good guy. He said, you make your money during the day, you build wealth in your sleep. Okay, so this is a similar situation. People become obsessed with the wrong thing. You ask a very good question. I want to get that cash. What? Get this dollar. I want to get this bag. I want to give this money. I want to give. Useless, completely useless. Money has velocity. It's not stopping. It will go. And if you're financially illiterate, people who are illiterate will separate you from that $92 of all GDP of blacks in America. 1.6, $1.7 trillion we generate and spend every year. 92% is consumption. So the man, if you want to call it that, he knows you're just going to go spend it. They don't need to hire you to be the spokesman for Louis Vuitton. You're going to be a walking billboard for it anyway. They don't even hire sports figures to Be Gucci sports people. And whatever the brands are, they're going to wear it on anyway because our assets are all too often on our ass. So we are. Because the rules are published in the Plain Jewelers level, we kill it. Professional sports, the arts, politics, faith. The rules are published in the Plainfields level. But we've never been taught capitalism and free enterprise and financial literacy, which I consider to be. Financial literacy is a civil rights issue of this generation. So it's what you don't know that you don't know that's killing you, but you think you know. So now I'm going to drop a bomb here that makes the point that money in and of itself is absolutely useless. If I gave a homeless guy. I was homeless for six months of my life. I was 18 years old. It was economic homeless. Most homelessness is mental illness and depression and other things, drugs. If you give a homeless man a million dollars and do nothing else, he'll be broke in six months. Because if nothing changes here and then nothing changes here, values, then nothing's going to change here and here. You will walk away from your money or somebody will walk away with your money. And we want to blame the man for these bad contracts in the music business. And bad. You signed it. The clan didn't tell you to sign it. Nobody stood up your head with a butcher knife and said, sign that contract. You said, yo, I don't need to. I, I, I just want to. I just want to do the music. I just want to. I just want to play ball. I don't want to mess around with that. That. It's the music business. It's the business of music. It's the sports business. It's the business of sports. So we are brilliant in so many ways. We've been doing so much with so little for so long, we can almost do anything with nothing. But we were never taught financial literacy. There was a Freedmen's bank created in 1865 after the Civil War. Abraham Lincoln did it with Frederick Douglass, and he was killed the next month for that and promising blacks the right to vote. The bank failed. We never were taught how money works. So in some ways it's not our fault. But we live in a capitalist democracy. So all these folks, 70% of those who win the lottery, 70% broke in five years. Wow.

[Shannon Sharpe]

Broke.

[John Hope Bryant]

So all this stuff about, give me that money, give me that dollar. I'm going to be really dramatic here. Here, let's take all the money in the world, including mine, including yours, including Shannon's chat Let's take. Because we're. We're green. Really. We're not black at this point. We're. We're green. We've made it. Take all our money with all the. With everybody else's money, the top 3%. We just made the whole world socialist now redistributed to everybody in the world equally. Within three years, we'll all have it better.

[Shannon Sharpe]

Yep.

[John Hope Bryant]

If you don't do anything else, we'll all have it back. Because somebody understands how capitalism and free enterprise and money works, and somebody just understand how to spend it. People say, I can be a millionaire. I won't go broke. Yes, you will. Millionaires go broke every day. You could. A billionaire can go broke. Yeah, it's hard. But you can go broke. If your outflow sees your inflow, then your overhead will be your downfall. What you really want is mindset knowledge. You know what I like about Shannon? He came into the whole global forum. We had the whole global forum, and my man just was nosy. Asked Quincy Jones, how'd you get so smart? I'm just nosy as hell. I want to know everything about everything. He was nosy. He was all up in everybody's business asking this billionaire question, asking that billionaire question, asking that CEO a question, all up in my face, asking me questions, trying to learn what he doesn't know.

[Shannon Sharpe]

You don't know what you don't know. John, let me ask you this. And I don't know if you know this off the top of your head, but I was reading, like, in the Jewish community, the dollar stays there like 43, 45 days. In the Asian community, it stays there like 20 days. And the white community stays there like 10 days, 15 days. In the black community, it stays there like, like two minutes.

[John Hope Bryant]

That's right. And now. And that's where the pit stop.

[Shannon Sharpe]

I. Ocho and I had a conversation. We have the conversation. The Ocho was like, yes. So. So, Doc, if I gave somebody. If I gave a person $380,000, and that's all the money I ever. They gave, and they weren't working. What, they're 20 years old? Let's just say 25, 30. Would that money last them a lifetime?

[John Hope Bryant]

Won't last them six months. Look, it happens every day. It's called lawsuit settlements. It happens every day. You go to urban radio station. Let's just have a real conversation. I mean, because Malcolm X said, we've been bamboozled. We've been tricked, we've been fooled, We've been hoodwinked. That applies to so much. President Bill Clinton once said it's hard to get somebody to agree to the truth when the liars paying their paycheck. That here are the bookends, usual statements in bookends. Hoodwing, bamboozled.

[Shannon Sharpe]

Let us straight run them up.

[John Hope Bryant]

Yeah, the other comment. It's hard to get somebody to agree to the truth if a lie is paying the paycheck. Now in the middle is financial illiteracy. Now you go to an urban radio station focusing our community and listen to the ads. 80% of the ads are pivot law firms lawsuits. I mean high interest rate C paper mortgages C paper auto loans is right there in broad daylight. I'm going to go one step further. And so they get these settlements slip and falls whatever people running in front of cars and tripping. By the way AI is going to make criminality really a bad business. These robotics, these cameras and artificial intelligence. You need to get a new gig. That, that, that day is soon and I mean the next couple years over. But anyway back to this point, you go to our neighborhood, you go to a place where we grew up and here's what you see. The check casher next to a payday, loan lender next to a rental owned store next to a title lender next to a liquor store next to a pawn shop, fast food store, restaurant and a church down the street trying to make you feel a little bit better once a week. That's your neighborhood psychologist. That's your neighborhood strength. We, we don't want to admit we crazy. Oh I, I can't go to a psychologist or a street. Somebody might think I'm crazy. If you black in America and don't think you're crazy, you're crazy. So we go there hooping. Holla. Used to, that's one of our problems. We don't go to church anymore. We don't have any spirituality anymore. That's a whole nother conversation. We've been really hoodwinked now because now we think money's gone, we think materialism's gone, we think some rappers got. Anyway, so, so now the one place you could go and hoop and holler, we don't go there anymore. That's so you don't go crazy now literally you're being pimped. A 500 credit score neighborhood. That all you see? The only place you see those places. Or is it a 500 credit score neighborhood by the way? Black and brown, urban, poor, white, rural. Now you go 15 minutes away in every city in America. I've mapped every zip code to earn it by credit scores. I Hope Financial, the Hope Financial Wellness Index. And go my website and put. You put in your, put in your zip code, I'll tell you your credit score in your neighborhood. I'll tell you how you're living. You go 15 minutes away from that zip code and you're in a 700 credit score neighborhood. In Chicago, I think it's Lincoln something. And then 15 minutes from there, I think it's Garfield park or something. 500 versus 700. 700 versus 500. You go, you know, Atlanta's the same thing. LA is the same thing everywhere, wherever you are now. And that's 7 degrees. Core neighborhood, two parent households. Prime financing.75 homeownership rate, prime almost not existence. Whole Foods, sit down restaurants, proper businesses, mainstream banks. Right 15 minutes away, a third world country. We think this is normal. This is why you cannot give somebody 350, $380,000 and think that they're going forget a lifetime. It won't last them a year. I said six months. I'll be gracious. It won't let. If your outflow sees your inflow, then your overhead will be your downfall. I'm gonna go one step further. We are brilliant. Black Americans are literally geniuses. We came here enslaved. My second great grandfather on my mother, my dad's side and my second great grandmother on my mother's side, both slaves. My grandfather was a sharecropper. So I'm talking from the real place. We come from nothing. I come from the bottom quartel of poverty in Compton, in South Central to the top 1% in one lifetime because of what we're talking about and me understanding how this system actually works now. We, we're brilliant and we're geniuses. Imagine what would have happened ultra cinco. Imagine what would happen, Shannon, if we had a black Jewish business plan. Imagine what would happen if we didn't have a 40% homeownership. Go ahead, Shannon. What are you about to say?

[Shannon Sharpe]

I wanted that. I want you to explain what that means and what that actually is.

[John Hope Bryant]

You're owning something versus talking about something. You know, poor people talking about other people. Wealthy people talk about their ideas. Go to a barbershop, go to a nail salon in black community. Go. I'm not talking about us. I'm helping her to help us. Listen to what we're talking about. We're talking about mostly other people. Go ahead. Go ahead, Chad. You like channel Ultra Single, by the way.

[Chad Ochocinco]

Now, it doesn't matter what you call me, I'm answer. I have a question about one of the things you just said. The others talk about their ideas and how they can work together when it comes to us. We have a problem working together because we don't want to see each other win. We're always in competition with each other. As opposed to other ethnicities. They're more so. Okay, if you have this idea, well, I'm going to pick you up and then whoever's above him, well, I'm gonna pick you up. Where they always, they always work in unison. And a very small percentage of us want to see each other win or help us get to a level where we want to. All right, we want to see you win. You know what I want to see? I want to see Joe win, but I want to see him doing better than me.

[John Hope Bryant]

Would you like me to tell you why?

[Shannon Sharpe]

Why?

[John Hope Bryant]

Low self esteem. So check this out. If you're African American, by the way, there are only African American ghettos in America. There are places where Italians live, where Polish people live. There are places where Caribbean blacks live. There are places where black Africans live. There are places. I want to make sure I put black people in this, but there's only African Americans ghettos in America. Inner cities that are magnet in a holding place for poverty. What does that relate to when we people say, oh, African Americans, y'all lazy, all non intelligent. Really? So you went 400 years ago, halfway around the world in an agricultural economy to go get dummies from Africa and walk them all the way across the world at incredible expense and brought them to America because we're stupid? No, no, no, no, no. We were agricultural geniuses of the land. I'm coming to your point. Now they had this soil in the American south that was a gold mine. It produced crops that were incredible. Gold mines, cotton and tobacco. It's gold mines. In fact, Haiti was the wealthiest. The wealthiest outpost for France in the world was Haiti. And that's a whole nother story. We get to it before we end because that's the reason America exists, is Haiti. But let me come back to this for a minute. So now they bring us over here. Now the guy's as big as viewing Shannon. Now, high self esteem, confidence. You're tribal leaders, your chieftains, they captured you, they brought you here, but they got to beat the self esteem out of you. The first thing you gonna do is fight. You see your wife being abused. You see your children being sold off. I'm not trying to start a anybody worked up. I'm trying to explain to them how we get to this low self esteem. So you're, they're abusing your wife, they're holding you down. It takes probably eight people to hold Shannon down. They're holding them down just until he stops fighting. Because that means he realizes he cannot do anything to help his wife. They broke his spirit. They're not trying to break his body. They eat his body. They're trying to break his spirit. We're not human beings having a spiritual experience. Were spiritual beings having a human experience. Energy matters. So now they sold your kids off in a different direction. So you don't have any hope for that. Most dangerous person was a person with no hope. They now abused your wife. You can't do any protect her now. You just broke a broken man just the way they need you now. They put you to work building these crops, by the way. Blacks and whites, poor blacks and whites were friends in the 1600s in America on a plantation. True fact is, again, some of this we want to, we should go deep on. But to answer your question, they had to break your spirit. They had to keep you away from books. They had to not teach you financial literacy. They needed you to have confidence in taking dead soil and bringing it back to life. What were we experts at? Africa is hot. The soil dies all the time. We were geniuses of the land bringing it back to life. What's the largest untapped natural resource in the world today? To this day, it's Africa. That's what everybody needs. By the way, Africa is the future to American world demographics because the youngest people in the world are in Nigeria. Anyway, back to this story. So now you've got high confidence today. Let's fast forward now. African Americans, we're killing it in many, many sectors. We have incredible confidence because we're competent. But we have low self esteem. So I don't like me. I'm not gonna like you. If I don't feel good about me, I'm not gonna feel good about you. If I don't respect me, don't expect me to respect you. If I don't love me, I don't have a clue how to love you. And here's the big one. If I don't have a purpose in my life, I wanna make your life a living hell. Because whatever goes around comes around. And hurt people. Hurt people. There you go with crab in the barrel. So now you have all these smart people who are hooked on cash, not building wealth, Hooked on giving it away versus collecting it, hooked on transactions versus relationships. Hooked on what I got to get versus what I have to give. Being told religion isn't important anymore. Forget about that in spirituality. Now the devil's got you. When? When you and Shannon get up in the morning and me, the devil says, oh, they're up. There's not enough of us. Because when you succeed, I love it. I applaud you. I don't have a self esteem problem. It's okay if you don't like me. I like me. So. So. But self esteem and arrogance are two different things. So what do we need? Five pillars of success. So my last book is financial literacy. For all the bestseller, one before that was up from nothing. Before that, six of them. But this last, the one before that up from Nothing had five pillars. As much education as you can shove down your throat. How do we reverse what. What we're talking about? As much education you can shove down your throat. That's why you see books all around me in my office. I'm always reading. That's why. Again, Shannon's nosy. You're nosy. I love it. Number two, Understanding how the. The language of money works. Financial literacy is as important as the right to vote. As a four year education. A 700 credit score is. Is as important as a four year college degree. Yes, I said it. And everybody who works for me is a college degree. And they better have a good credit score. Because you never had a billionaire didn't do it on good debt. You never had a successful country or city that didn't do it on good debt. You cannot succeed unless you understand how the system works. And you need cheap access to good credit. Number three, you need self esteem and confidence. Number well. Number three, you need. We need family structure and resilience. Number three. Number four, you need self esteem and confidence. We just covered that. That. Number five, you need role models in the right environment. So why do my kids want to be rap stars, athletes and drug dealers to the exclusion of everything else? Because that's all they see in our neighborhoods are symbols of success. We're not dumb and we aren't stupid. We're brilliant. We're modeling what we see. Let's give the kids something different to see. Let's widen their aperture. Let's make smart sexy again. Let's make. Forget black lives matter. Let's make black capitalists matter. So that's why I say a black Jewish business plan. Number one way you build wealth in America. Homeownership. What do we argue about endlessly? Because we. 41, 42, 43% of black people own a home compared to 75% of our mainstream counterparts. Read White the whole tax code in America is designed to support credit scores. I'm sorry, design to support homeownership. But we want to argue about John, you know there's somebody probably in the chat right now who you talking about? We don't own the home. The bank owns a home. If you don't pay. I mean I can go at this all day. I like math because it doesn't have an opinion. But no one taught us this. I mean this is basic stuff. Three things have never gone down in value. Stock market value, real estate values and GDP of America. Gross domestic product in the history of America gone up there was a recession and receded and corrected above the line every time.

[Shannon Sharpe]

You can count on T Mobile to help keep you connected from big cities to small towns on America's largest 5G network. Switch the T Mobile keep your phone and they'll pay it off up to 800 bucks per line via prepaid card. Learn more@t mobile.com Keep and switch up to four lines via virtual prepaid card. Allow 15 days qualifying unlock device credit service port in 90 plus days with device and eligible carrier and timely redemption required. Card has no cash access and expires in six months. Whether you're ordering wings for the game, whipping up a seven layer dip, or ordering pizza, there's something about football that makes you want to eat. And this football season, Uber Eats has the best deals on game day food no matter what you're craving, from two for one pizza. To buy one, get one wings.

[Chad Ochocinco]

Uber Eats will be dropping new deals.

[Shannon Sharpe]

Each week all season long. Uber Eats, the official on demand delivery partner of the NFL. Order now for game day.

[Chad Ochocinco]

Terms and conditions apply. See app for details.

[John Hope Bryant]

This is Ashley Iconetty from the Ben.

[Shannon Sharpe]

And Ashley I Almost Famous Podcast.

[John Hope Bryant]

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[Shannon Sharpe]

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[John Hope Bryant]

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[Shannon Sharpe]

Results may vary. Sponsored by Future Health Famous Smoke Shop isn't just your average cigar store. They've been dominating the cigar game since 1939. That's 85 years of experience knowing exactly what goes into a premium cigar and delivering the ultimate smoking experience. Whether you're celebrating a big win or just kicking back for the game Famous has you covered. Head to famous smoke.com use code nightcap to get $20 off your order of 99 or more famous stores. The best cigars in their 20,000 square foot humidor. So you can get the freshest cigars at better prices than your local shop. From heavy hitters like Macanudo, Monte Cristo, Kahiba to petite and flavors options, they've got millions of premium cigars ready to ship right to your door. The biggest selections, best prices and backed by a freshness guarantee. Famous isn't playing any games. Visit famous smoke.com use code nightcap to score 20 off. That's famous smoke.com code nightcap underage sale prohibited website restricted to age 21 plus tobacco consumers but John, let me ask you this. But here's the thing though John. You know, in order to really invest in a stock you got to have what we call disposable income. If you're using check if you live living, check to check if you got to pay a mortgage or rent. If you got to pay a car note and you got to pay bills, that leaves you very little disposable income in order to put into the market. So therefore there why like a lot of people that don't have disposable disposable income, it's hard for them to accumulate forget generational wealth just enough that when they retire. Because I ain't really counting on, I ain't really counting on Medicaid and Medicare to take care of Shannon Sharp. So I'm just like hey, that's gonna be over with. But when you don't. So how would one that has very little or marginal disposable income accumulate something that when they retire they have something to have a nice little nest egg.

[John Hope Bryant]

So you got, you don't have a self esteem problem, Shannon?

[Shannon Sharpe]

No, hell no. I love it.

[John Hope Bryant]

You won't have a problem with me when I say to you that what you just said is wrong. Okay now, now when it comes to professional sports and homework, I gotta come to you and just shut up. Cause I don't know, I have no clue.

[Shannon Sharpe]

Okay?

[John Hope Bryant]

But there's occasionally, occasionally I might have something that I can give to you. And he just was a beautiful setup. That is just incorrect. My mother worked 32, 32 years at McDonald Billings Aircraft making $15 an hour. She died September last with a million dollar net worth. She had bought and sold seven homes. Her credit score like you was 854. I believe it was used to go over 850. It was 854. So when, so when, when somebody, somebody watching this says, well, Shannon just made a great point. And he did make a great point. Here you go. I don't have any disposable income. You went to Starbucks last week. Cigarettes. If you go to Starbucks three times a week and you've got a cigarette habit, that's $6,000 a year. You're making $36,000 a year. That's 20% of your income. I'll let that sink in for a minute. The cigarettes on the box says, this shit will kill you. Like I don't know if I can see that on your pocket. This stuff will kill you. All right, so stop smoking cigarettes and go get you a cured machine at home and make your own coffee. You've now just recaptured three grand. Two grand. Take that, put it in the. By the way, don't even do that. Just do. Just stop doing silly stuff like going to a fast food restaurant every other night. Cook something at home. And by the way, it might extend your life because you cannot have a soul food diet for the rest of your life and live to 80 years old. There are no 300 pound 80 year olds. And that's a design, a diet that was designed for slavery because they put them. Anyway, point back to this point.

[Shannon Sharpe]

They were working it off, Doc.

[John Hope Bryant]

Huh?

[Shannon Sharpe]

You could eat like, you could eat like that when you was in those fields working 14 hours a day.

[John Hope Bryant]

You had to because they threw the, they threw the worst parts of the animal out back. As a disrespect to you. All you do is turn it into a delicacy. Whole cake.

[Shannon Sharpe]

Yes.

[John Hope Bryant]

Grits, hollow balls, pig feet, fried chicken, oxtails, neck oxtails. I love oxtails. And we put salt on all the meat so it didn't die in the heat. Right?

[Shannon Sharpe]

Yes. You had to cure it. You're absolutely right.

[John Hope Bryant]

Right. So I love soul food. Twice a month, not three times a day. That's why black folks are inflamed. We're not fat. We are inflamed. 75% of all disease. My wife changes. A wellness expert, she'll tell you. 75 of all disease lives on inflammation. Inflammation. What is it? Comes from bad environment, bad food. Back to this example. Let's assume that you don't have a, I'm about to say, crack habit.

[Shannon Sharpe]

You don't have a Starbucks or cigarette alcohol.

[John Hope Bryant]

Yeah, listen, you don't have that. You're just wasting a little bit of money. Take $25 that you were going to go spend on whatever and do fractional Share investment.

[Shannon Sharpe]

Okay?

[John Hope Bryant]

You can buy a fraction of Warren Buffett's company, a $25 fraction of a share in Target, Tarjay, Walmart, you know, wherever you. Whatever you're dressed in, whatever you like, go buy that and do whatever you can afford. $5, $10, 1, you can do a dollar fractional share. Don't tell me what you cannot do. Earned. So somebody watching this, you better give somebody some money. Somebody watching this, I'm gonna say you got a check coming to you because of Ocho Cinco and Shannon Sharp. You gotta check 5, 6, 10,000, maybe $20,000. It's called the EITC. People say, what's that? The minute somebody in your chat says, what's that? Congratulations, you make less than $60,000 a year, which is half of this country. You just got a check from the federal government through Shannon Sharp and Ocho Cinco. It's called the EITC. If you make $38,000 a year, you live in a small town, you're listening to this podcast, you have three children, the government owes you a check for working. It's not a handout for $7,500. About $7,700. If you've never filed, it's retroactive for three years. That's 20 grand. One out of four Americans who qualify for it never even ask for it. That's $20 billion a year, Shannon. Wow, that's black people. To be real clear, that's us. We don't have a tax problem. We don't have anybody doing our taxes. So. So. And if you're renting for the same cost of a mortgage payment, you should be owning the house. Rent to own. You're paying money uptown with people who don't like you with money. You don't have to buy something you can to be in some place people don't want you there in a doorman, in a house that you. That I own. I'm the landlord. I'm literally the landlord. I'm not.

[Shannon Sharpe]

I was.

[John Hope Bryant]

I felt I'm the largest minority owner of single family rental homes in America. Well, I was. I bought. I built this company, Promise Homes Co. Owned 700 homes between here and Florida. I sold most of the company in 2021, and I did that over five years. And. And I encourage people not to rent from me. Rent and get out, go buy a house. So it's a misnomer that you can't do this. Whether you believe you can or whether you believe you can't, you're right. Is the Glass half full or is it half empty? Depends who's looking at the glass. One thing I know about you two, you're optimist. Over, around and through it. You're gonna get to it. You're gonna run over somebody to do it. Is that right?

[Chad Ochocinco]

Yeah.

[John Hope Bryant]

That's exactly what your listeners should be doing. Never say never. Don't say, I can't do this. It's impossible because I'm making a little money. No, you got to have the right habits. Most of success is hustle and good habits and optimism. Money's overrated. I never focus on money and I got more than I need. I never focus on it. I focus on passion conquers authenticity. I. I'm. Anyway, I'm trying. Look, I can. I can move somebody's credit score listening to you, who's making $40,000 a year. I can turn into a homeowner in a year. I can get your credit score up in 54 points in six months through my Hope Financial coaching. I can get your debt down $3800, your savings up $1200 in six to eight months. I'm doing it through. I have 1500 offices at operation Hope that do financial coaching for free inside of bank branches. So the bank then says yes to you youth to become a homeowner. I'm not talking theory to you, brother. I've done four and a half billion dollars. I've invested four and a half billion dollars in the black and brown neighborhoods through Operation Hope with the exact stuff we're talking about. This is not theory, John.

[Shannon Sharpe]

If we want to get you out of here on this, what would be your. What, what would be your one best piece of advice you could give our chat tonight?

[John Hope Bryant]

Get off your rear end and stop complaining. Stop whining, stop obsessing with stuff. It's like. Look, racism is like rain. It's either falling some place or it's gathering. So get out an umbrella and the color your life and start strolling through it because it's not going to change. It's been around since Jesus. It's not going to change. So you must get your head right, get your mind right, get your spirit right, get your life right, get out of your own way. Me realize that you're God's child. No one has these fingerprints. They're completely unique and they're yours. And you could be great. You can be Ocho Cinco and Shannon Sharp because they were once you. You can be John O'Brien, you can be Charlamagne, you can be who you can be Stephen A. Smith, but there's no billionaire. There's no billionaire who. There's no entertainer or no sports figure who's a billionaire who didn't do it by cross without crossing over into business.

[Shannon Sharpe]

Yeah, it's the only way.

[John Hope Bryant]

You can't 100%. You can't sell enough movie tickets or tick or concert tickets or merchandise. You can't do it with the Ocho Cinco going back. Can't do it with that cash. Won't get there. You build wealth in your sleep. Stocks, bonds, homeownership, investments, businesses. One MBB and operational. We created a half a billion. Sorry, sorry. A half a million black businesses since George Floyd's murder. I'm committed to create a million Black businesses by 2030. This is a black Jewish business plan, Right? And there's only 3.1 million black businesses in America. We've already created 450,000 of them. Just under 500,000. That's 12%, give or take, of the national average. And I'm not going to stop, because this is one of the ways that we can build wealth using our hustle, our talents. Don't just. Don't just stand on the mic. Own that damn thing. Don't work the mic. Own the mic. Rental company. Own the stage rental company. Own the porta potties at the movie studio, in the video shoot, on the lighting system that gets rented. Nobody. These companies don't own that stuff. They rent that stuff. Be the rental company, the VIP bracelets, but own the company that prints those things and sell it to the nightclub. Stop being a fool going to the nightclub, spending 500 on a bottle of champagne that cost them 25. Be the company sells in the bottles. Don't go to the club. Own the club. I was with. I was with the Mike Maples, who's one of the top 20 venture capitalists. I'm sorry, I'm passionate. Am I talking too much? No. Go ahead, bro.

[Chad Ochocinco]

Go ahead, go ahead, go ahead.

[John Hope Bryant]

My mother. My mother always said, you never be the old guy in the club. So before y'all, I'm gonna leave, right? So this guy named Mike Maple, he's a big venture capitalist in Silicon Valley. I was talking to him one day. I said, mike, tell me about your family. Oh, just normal family, Mike. I didn't ask you that I should. Tell me about your family. Well, my dad worked for Microsoft. Okay. What do you do with Microsoft? Oh, he worked for Bill Gates. I said, look, technically, everybody worked for Bill Gates. Yeah, what did he do, by the way? We need a black Bill Gates as much as we need a black president, by the way.

[Chad Ochocinco]

Way.

[John Hope Bryant]

Because that would create more. That would create other billionaires, other centimillionaires, 100 million other multi millionaires who then create philanthropy in their neighborhoods, who hire people who look like them, mentor people, look like them. The cascade effect of that would be incredible. Back to this example. So I said, I work for my. For. For Bill Gates. Okay. I asked him 14 questions. He finally said, well, he was the president of. Of software. I said, hold on, slow down. Did you just say your dad was in pres. Was the president of software at Microsoft? So he really did work for Bill Gates. Yeah, I said, you said you're normal. Your life was normal. Tell me more. Tell me about your first business. Well, you know, my dad, I started this little business. I forget what it was. You know, whatever newspaper business, whatever it was, I forget it was. He was 12 years old, and he made this the biggest business in his neighborhood. And he went to his dad one day. Here's the point. He said, dad, I'm so excited. I have made this the biggest business in our neighborhood. I'm a seller's business to Disney Mindset. Mike Mabel Sr. Said, I'm ashamed of you, son. We don't think like that in this household. I raised you better than that. I'm sitting there scratching my head, going, wait a minute. The kid just said, I'm a businessman. I'm going to sell my business now to Disney. He said, no, no, no. In this household, we don't build a business and sell it to Disney. We build a business to buy Disney. Wow. Drop the mic. What is Mike Maples doing today? Buying businesses. You model what you see. So we need to. We. We need to. We need to become what we want to see. Look, anybody out there saying, let's just give it away. Even if you want to distribute money like a socialist, you got to first collect it like a capitalist. So anybody out there who has a problem with what we've been saying in this last hour, let me say this to you. You try government charity, you try social justice, you try guilt, you try whatever you try. We've tried a bunch of stuff. It ain't worked. Why don't you try capitalism? Hello? It seems to work for everybody else. Everybody who's trying to use free enterprise and capitalism to set themselves free has succeeded. We're brilliant. Why can't we do it? We can. We just have never tried. That's what I'm teaching at. Scale. That's what you're doing. I listen to you. You did a whole thing. When you're talking about credit scores, when you. I mean, I remember you said 800. Do you know now everybody was thinking, well, if I want to be like Shannon, I need an 800 credit score. Ochocinko be dropping. Be dropping some gems. And. And you. You ask me, you be weaving knowledge. Charlemagne is weaving knowledge and education into the entertainment. That's what we need at scale. We got to make this mainstream right now.

[Shannon Sharpe]

John, I appreciate you joining us tonight. That's what we're going to do from time to time. Our job here at Club at Nightcap is to not only entertain. That's what we do. We inform people about what transpired in the game and so forth and so on. But we also like to educate people. We like people because we want to see our people succeed. Better way to do it is that people that's been successful. Sometimes we get redundant here from Ocho and I, and sometimes we need to bring a new voice in, someone that succeeded on a grander scale, that can speak to things that Ocho and I, we need help understanding and talking about. So for you to come on tonight and educate our group, our chat, we greatly, greatly appreciate that.

[John Hope Bryant]

Well, let me say this. I think you're brilliant. I think what you've done here is brilliant. I think that you guys are a great partnership. You played very well on each other, and I think it's very elegantly done. And I love seeing you shine. I love seeing you succeed. And other people I know, Bishop, T.D. jakes and Charlamagne and Stephen A. Smith, they're all rooting for you. Isn't that beautiful thing a black man loving on another black man and completely straight.

[Shannon Sharpe]

Right?

[John Hope Bryant]

So your audience, I want you to hear now. Now this last thing. Anybody. All of the folks who want to be ball players and football, God bless you. Fantastic. No problem with it. But 70% of all those in the NBA, 70% of all those in professional football, bankrupt five years after retirement.

[Chad Ochocinco]

Two.

[John Hope Bryant]

Two years. Thank you, Ojo. You would know better than me. I would be conservative. And by the way. And then your wife leaves you.

[Shannon Sharpe]

Yeah.

[John Hope Bryant]

So this is if. If your outflow needs your inflow and your overhead is going to be your downfall. If you've made all this money your whole life and you're now using people, feding you, protecting you, serving you, giving you a paycheck, right? And then the paycheck stops, but your lifestyle is at a point where the bills keep coming and everybody else around you expects you to fund their lifestyle and you're not doing them a favor. By the way, all this posse that you're funding, you're not doing them a favor because they can't take care of themselves. You need people to be self reliant, give them a hand up, not a hand out. And then when you need help, they can't come to help you because you're the source. So we've got to get our line right. Because even when those who are succeeding at the top of their game aren't using an opportunity to turn an income into wealth that pays you when you sleep. So you can be Reggie Jackson, you can be Magic Johnson, you can be Michael Jordan, you can be Shannon Sharp. There's a, you know, there's a whole list of the folks who've actually done this right.

[Shannon Sharpe]

Hey John, I need a couple of those cars that Reggie got. You know, Reggie got a big car.

[John Hope Bryant]

Reggie's balling, man.

[Shannon Sharpe]

Reggie is, he's one. John, thank you so much. I really appreciate that, man. I'll be in touch with you. You know, you and I, we talk, we gonna get together and do the have a chew the fat, sit down and do some business together, bro. I really appreciate what you're doing for our community and, and, and part, and partake in wisdom on our chat tonight. So I greatly appreciate that, man.

[John Hope Bryant]

My, my pleasure. Sending you love and light. Everybody go out and get financial literacy for all. It's my newest book, peace and Light and go get it. Go get operational counseling. I'm giving you $1,000 free scholarships to go to operation Help get a year's worth of coaching and counseling. So don't say that Shannon didn't do anything for you. Shannon and O single.

[Chad Ochocinco]

Thank you, boss.

[John Hope Bryant]

Thank you.

[Shannon Sharpe]

Appreciate that.

[John Hope Bryant]

Peace.

[Shannon Sharpe]

That was John Hope Bryant. He's brilliant, Ocho. I mean the way he can lay out, the way he can explain it to you. The what you should buy and that's what you have to do. You know, people like, well, I ain't got no money. It's funny, you ain't got no money, but you got money to stop by Starbucks, drive through every day and buy a five dollar to a seven dollar latte.

[John Hope Bryant]

Yeah.

[Chad Ochocinco]

And then you got money to do that.

[Shannon Sharpe]

You got money, you got money to go on all these vacations. I've never understood borrowing money to go on a vacation. I never understood that. Maybe that's just me. I'm not going to go if I can't go and pay for it. I'm not going to Go into debt to do it.

[John Hope Bryant]

Yeah.

[Chad Ochocinco]

And you know, one of the things I've always had you noticed, I know you always talking about you don't go on vacation, but I also don't go on vacation until I put in some type of work. I see people listen. There's nothing wrong with that. There's nothing wrong with that. Just my mindset is a little different unless I. When I think about going on vacation. Vacation. To me, the reason for going on vacation is because I put in a certain amount of work and the body needs to reset. I need to have a, a mental lapse of, just of calmness and peace.

[Shannon Sharpe]

Yes.

[Chad Ochocinco]

I just go on a vacation just to be going on vacation. Just take pictures and have fun. I never saw the point in that.

[Shannon Sharpe]

Me personally, Can I ask you a question? How can I go on vacation? And I worried the whole time, how the hell I'm gonna pay for this? This. That ain't no peace, Ocho. I mean, I gotta get away. Like, I ain't gotta worry in the world. I know when I get back, I still got. I got my mortgage going to be paid, the car payment going to be paid, X amount of money going to savings, yada, yada, yada. I don't have to worry about paying for this vacation. If I'm on the vacation and I'm like, oh, Lord have mercy.

[John Hope Bryant]

Woo.

[Shannon Sharpe]

I sure probably shouldn't have come. And I hear people say, oh, I don't know how I pay for this. But I worry about that later.

[John Hope Bryant]

Huh?

[Shannon Sharpe]

Huh?

[John Hope Bryant]

Yeah.

[Shannon Sharpe]

You think that that charge is going to magically disappear on your credit card? And they charge. I don't know what credit card rate is because I pay all my. Probably what. What's credit card rate? 15, 20%. And you pay, you got a 5,000, $10,000 credit card and you send in $200 a month. What the hell you going to do? You'll kid. Somebody else gonna be paying that off.

[Chad Ochocinco]

Listen, it all starts with one of the key things that he did say that I always talk about. I mean, those that have followed me throughout the years, I always talk about financial literacy and having, having the discipline. If you don't have discipline, it doesn't matter what amount of money they give you. You're gonna run through it.

[Shannon Sharpe]

Gonna be gone.

[Chad Ochocinco]

You're gonna run through it. That's why when that argument on Twitter happens every, every so often where people talk about credit score and a certain amount of money, and I see all the Twitter go with, oh, I want this amount of money, because where it is. I'm gonna just pay it off, and then I'm gonna flip it and I'm gonna do this. They got all these ideas. Not really understand it. That's not how it works.

[Shannon Sharpe]

Oh, remember I told you the story. I was in the NFL and my credit was so bad, I couldn't get a car.

[Chad Ochocinco]

Oh, yeah, yeah, yeah, yeah, yeah, yeah, yeah.

[Shannon Sharpe]

Prime example. I couldn't get a car. And so, I mean, now, if you got. If you want to pay cash from everything, they'll graciously accept it. But now, if I got that kind of cash, I'm gonna put it away. I want to put a large portion of it away and let it work for me, because I know I'm gonna get somewhere between 4 and 8%. Yeah. I ain't trying to. I ain't trying to pay no car. I ain't trying to put $200,000. Pay a car for $200,000 or half of the car cost 30,000, 40,000. Or pay. Or. I want to get a house, and I got to pay for the whole house. Pay it off, or I have to get some. No, hell no. No. That's just me. But, John, we really appreciate you. Hopefully chat. You enjoyed that conversation about how to, you know, financial. Be financially and fiscally responsible, because at the end of the day, ain't nobody coming to save you. Oh, now, you. You can hope. You can hope. And we not. We're not doing political. Hey. I've made peace with the decision that the American public made on November. That second. That second Tuesday in November. I've made peace with that. I ain't. I ain't going to work my nerves up. These four years gonna go by the breeze just like the last four years and the four years before that. So y'all can get all upset and talk about, oh, I don't know what I'm gonna do. I don't. I know what I'm gonna do. I'mma keep my head down. I'mma keep my ears closed, and I'm gna go to work, send you the phone. That's what I'm going to do. Now, I don't know what y'all going to do, but I'm going to tell you what Shannon Sharp's going to do. That's what I'm going to do. And when these four years is up, I'm going to look up. There's going to be somebody come in, make a whole lot of promises, and they don't deliver. Some people are going to get delivered. That's going to get delivered on and some people are not. But y'all keep worrying about this. I ain't worried about it. I can't, I can't, I can't work my nerves up. I I've made peace with no show. I think they should Also the volume.

[John Hope Bryant]

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[Shannon Sharpe]

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[John Hope Bryant]

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[Shannon Sharpe]

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[John Hope Bryant]

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[Shannon Sharpe]

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[John Hope Bryant]

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[Shannon Sharpe]

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