The Secrets to The Wealthy

Summary

---

Podcast Summary: Earn Your Leisure – "The Secrets to The Wealthy"

Host: Rashad Bilal & Troy Millings (iHeartPodcasts)
Guest: Ash Cash
Release Date: July 5, 2026

---

Episode Overview

In this episode of Earn Your Leisure, Rashad Bilal and Troy Millings interview financial educator and author Ash Cash to uncover "The Secrets to The Wealthy." The discussion is a vibrant blend of personal money journeys, insights from a career in banking, the realities of entrepreneurship, and the ways cultural context shapes financial education. Hip-hop references and authenticity are woven throughout, making complex financial wisdom accessible and relatable.

---

Key Discussion Points & Insights

1. Ash Cash’s Path: From Bank Teller to Financial Educator

• Early Banking Career & Pursuit of Independence:

  • Ash starts at 19 in banking, quickly moving through roles from teller to branch manager, eventually CEO of a credit union.
  • He balances a "hustler" mentality with the security of traditional employment before fully embracing entrepreneurship at age 30.
  • Quote [02:29]: "I've always sort of like been a hustler... I wanted to be an entrepreneur, but that security is what kept me in the game." – Ash Cash

• Navigating Multiple Income Streams:

  • Importance of maintaining a job while building other ventures for stability.
  • Encourages listeners not to fall for social media myths about entrepreneurship success.
  • Quote [05:22]: "Your job is your investor. It is your first investor." – Ash Cash

2. The Importance of Mindset & Financial Literacy

• Mindset Over Money:

  • Mindset is critical—without it, high income does not guarantee wealth or stability.
  • Stressing the need to maintain basic needs through employment to foster entrepreneurial creativity.
  • Quote [05:22]: "Money is mindset. If you don't have the proper mindset... you're still gonna be broke." – Ash Cash

• Financial Education as the Foundation:

  • Realizes through his work in Harlem and Queensbridge that access to money, without education, isn’t enough.
  • Narrates challenges of bringing banking services to underserved communities.
  • Quote [15:30]: "Yes, access to capital is important... but that financial education piece is more important. If you give people money without changing their mindset, they'll lose it." – Ash Cash

3. Entrepreneurship: The Real vs. The Perceived

• Balancing Job and Side Hustle:
  • Hosts and Ash discuss myths about leaving the 9-to-5 too soon.
  • Emphasize the grind: working overtime on your dream after your day job.
  • Quote [06:49]: "You have to be willing to put in overtime—not at your job, but on your business—after hours. Most aren’t willing." – Financial Educator/Host

4. Institutional Barriers & Authenticity

• Building Credibility & Navigating Rules:

  • Ash shares having to write his first book under a pseudonym due to institutional conflicts.
  • Advocates for authenticity—using one’s cultural background (hip-hop, language) to connect and educate.
  • Quote [17:11]: "They advised me not to mix hip-hop and money, said it's too serious… But when I did, it became my most successful book." – Ash Cash

• Being Culturally Responsive:

  • Teaching financial literacy must begin "where people are," utilizing language and culture they know.

5. The Wealthy Playbook: It’s All About the Team

• Inside Private Banking:

  • Ash explains how wealthy clients have entire teams managing every aspect of their finances, from investments to mortgages.
  • These systems keep wealth growing and reduce stress—unlike most individuals, who must manage their own financial lives.
  • Quote [21:10]: "My richest client was worth $22 million… there was a team managing every part—banking, investments, mortgage—so the wealthy person didn’t have to think about money." – Ash Cash

• Contrast with the Everyday Person:

  • Most people manage everything themselves, leading to overwhelm and less optimal financial outcomes.
  • The “rich get richer” because of these supportive systems and constant proactive management.
  • Quote [26:40]: "There were people working around the clock to manage their money, to make sure that their money grows… That's why the rich get richer." – Ash Cash

6. Hip-Hop as a Financial Literacy Tool

• Bridging Cultures:

  • Hip-hop is more than music: it's a communication tool for financial wisdom.
  • Lyrics and hip-hop culture teach, positively or negatively—it's powerful when redirected towards financial education.
  • Quote [29:06]: "People say hip-hop is not finance. Hip-hop actually is finance. It's a business, and it's always been about education." – Financial Educator/Host

• Authenticity Matters:

  • Encouragement to be yourself—“it’s easiest to do you.”
  • Citing Drake and Nas as examples.

---

Memorable Quotes & Moments

• On balancing two lives:

  • "I’ll be Ash Exantis from 9 to 5 and Ash Cash every other time... that worked for me. I was building both simultaneously." – Ash Cash [04:28]

• On mindset and creativity:

  • "If you have to struggle, the brain space that it takes for you to be creative... your entrepreneurship venture isn’t going to be as successful." – Ash Cash [05:22]

• On team advantage of the wealthy:

  • "While people in our community are trying to make the money and manage it, the wealthy have teams and systems that work for them constantly." – Ash Cash [26:40]

• On cultural relevance:

  • "Being culturally responsive is powerful; we teach people from where they are, not where we’re at." – Financial Educator/Host [18:07, paraphrased]

• On authenticity:

  • "You could be anything you want, even yourself." – Drake quote, referenced by the host [19:56]

---

Timestamps for Key Segments

• 02:29 – 05:05: Ash’s early banking career, transition to entrepreneurship, importance of multiple incomes.
• 05:22 – 07:00: On mindset, the value of 9-to-5 jobs, and managing creativity.
• 07:34 – 10:54: Running a credit union at Queensbridge, challenges of helping underserved communities.
• 15:30 – 16:39: The role of financial education in overcoming intergenerational disenfranchisement.
• 17:11 – 19:19: On making financial literacy content culturally relevant through hip-hop.
• 21:10 – 23:00: How the wealthy use teams to manage their money.
• 26:40 – 29:46: Wealthy mindsets vs. everyday struggles, the power of cultural representation in education.
• 29:06 – 30:14: Using hip-hop lyrics and financial lessons as teaching tools.

---

Conclusion

This episode delivers practical personal finance truths, dispels entrepreneurship myths, and highlights the systemic advantages of the wealthy. Through candid storytelling and hip-hop-infused language, Ash Cash and the hosts prove that authentic, culturally relevant education can change lives.
Core Message: Genuine financial empowerment blends mindset, multiple streams of income, access to education—and meeting people where they are. Authenticity and community roots are superpowers in building collective wealth.

---

Transcript

[Lele Pons]

This is an iHeart podcast.

[Jonas Brothers]

Guaranteed Human Paramount is now the home

[Ash Cash]

of all your BET Favorites.

[iHeart Podcast Announcer]

That sounds nice.

[Ash Cash]

With all new episodes of all the Queen's Men. You stand up when you talk to the Queen. Plus a whole new world of movies like Gladiator 2, I must have Power, original series like the Shy Life comes at you fast whether you ready for it or not. And live sports like ufc.

[Jake Brennan]

Unbelievable new home, welcome to paradise.

[Financial Educator/Host]

Same family.

[Lele Pons]

That's all that matters to me.

[Jonas Brothers]

Your bet 3 favorites are now on Paramount subscribe now.

[Co-host or Guest Financial Educator]

Earners what's up? Look, building wealth isn't just about making money. It's about knowing where your money is working for you. That's why we partner with Empower. Empower is all about helping you invest well so you can go out and live a little. Their free Empower Personal Dashboard gives you a complete view of your financial life in one place. Track your net worth, monitor your budget, analyze your investments, set retirement goals, and more. You've worked hard for your money, now make sure it's working hard for you. Download the Empower Personal dashboard or visit empower.com not an empower client, paid or sponsored when traveling for events or festivals throughout the country, every dollar matters. We compare flights prices, hotel rates, and restaurant options. So why wouldn't we compare rides? Personally, I always check Lyft before booking a ride. Prices can change throughout the day, depending on traffic, weather, and what's happening in the city. If you're headed to a concert, out to dinner, or catching up with your friends on a Friday night, taking a few seconds to check Lyft could leave you with more money. To enjoy the experience, save money. Check Lyft earners what's up? Look, if you've been sitting on a business idea, a side hustle, or a brand you wanted to launch, this is your sign to finally make it happen. Wix Harmony lets you create an entire website just by telling it what you want. Literally, you type it and it builds a site for you with business features already included. And the best part? You still have full control to edit everything yourself. It's fast, it's smart, and it makes building a website way easier than people think. Try it [e-mail] Harmony that's wix.com Harmony

[iHeart Podcast Announcer]

run a business and not thinking about podcasting? Think again. More Americans listen to podcasts than add supported streaming music from Spotify and Pandora. And as the number one podcaster, iHeart's twice as large as the next two combined. Learn how podcasting can help your business. Call 844-844-IHeart.

[Ash Cash]

So I started my career straight outta high school. So I was 19 years old when I started working at the bank. Did everything tell a personal banker, private banker, branch manager, was the CEO of a credit union. And for me, I kind of, I mean, I've always sort of like been a hustler. Like, I always knew that I didn't want people to tell me what to do and things of that nature. Like, I wanted to be an entrepreneur, but like you said that security is what kept me in the game as long as I was in game. But for me, that transition, it is difficult though, right? It is that up and down. Because I know, I remember, you know, I retired from banking when I was 30 years old, keyword retired, right? I threw, you know, I even threw myself a party, retirement party at 40 Club, right? I was just about to turn 30 and, you know, I was making money, right? I was making six figures at the bank, Wound up quitting, becoming an entrepreneur. I almost fell on my face though, right? To be honest, I almost got to a space where I wasn't making as much money because I was used to that lifestyle. And so I had to go back into the working world, figure some things out. And then now I was like, all right, now I'm gonna jump back in there. And so partly what worked for me was being able to create that multiple streams of income. And that's why I tell people that whatever you do, make sure that you're not only relying on one source of income, because having multiple streams of was what allowed me to say, okay, you know what? Now I could jump out and be comfortable. But being on the institutional side, it was tough, right? Because I mean, you know, as being a licensed financial advisor, there's certain things that you like. You're highly regulated, right? And so, you know, even when I wrote my first book, Modern, right Money, right? So my real name is Ash Exantis, right? And the reason why I write under Ash Cash was because back in 2009 when, when I wanted to write my first book, mine, right? Money 10 laws of financial Freedom, I needed to ask permission from the institution to see whether I could write the book because I was a licensed rep with them, it was a conflict of interest and they wouldn't let me write the book, right? And so ask for forgiveness, not for permission. So I decided, I'm like, you know what? I'm going to write this book under Ash Cash. If they find out, they find out, But I'll be ash exams from 9 to 5 and I'll be Ash Cash, you know, every other, every other time. And that worked to me because I was building both simultaneously to the point where Ash Cash got hot enough, where I was able to leave my nine to five and you know, create some income by doing that.

[Financial Educator/Host]

And that's something that I always encourage people to do as well, is where you don't have to do all at the same time, right? Everything at the same time. So you can still work a regular job while building up your entrepreneurial business. And then when that gets to a point where it can support you, then you take the lead, right?

[Ash Cash]

Like, like people, I don't know where this anti 9 to 5 thing come from. Like, stop watching social media if they lying, yo, you know how many people who out, who's out here acting like they independent and then you bump into them at their nine to five and they try to say like, what's up, bro? Right? Like, stop listening to them. Like it's a lie. Like, your job is your investor. It is your first investor. You quit your job. So the reason why. So I have a company called Mind, right? Money Management. The reason why it's Mind, right? Money Management, because it's a mindset. First money is mindset. If you don't have the proper mindset, I don't care if you make $100,000, a million dollars, $10 million. If you don't have the proper mindset, you're still gonna be broke, right? And what people don't realize is that if you have to struggle, the brain space that it takes for you to be creative, you're not gonna be as creative. Your entrepreneurship venture is not gonna be as successful as it could be had you had the proper brain space to not have to focus on the basics. So I tell people, Listen, keep your 9 to 5. It is your first investor. It is investing in your business. It removes you having to think about the basics, where I'm gonna live, how I'm gonna eat, and then the rest is how you invest your time period.

[Financial Educator/Host]

Well, the key to that is that you have to be willing to put in overtime.

[Ash Cash]

Oh, absolutely.

[Financial Educator/Host]

When I say overtime, not overtime at your job, overtime. As far as to say, okay, I work from 9 to 5, from 6 o' clock to 11 o' clock at night. Not a lot of people are willing

[Ash Cash]

to do that, right?

[Financial Educator/Host]

That's the thing. And we talk about the social media thing, it's crazy. It's like that's what stops a lot of people is to say, okay, I can still work A job. But I'm gonna work another job that I'm not gonna get paid for. Right, because you entrepreneurial. The first year, first two years, first five years, whatever, you might work the same nine to five on the night in and not get a dollar for it. That's a sacrifice that a lot of people's not willing to make. But let me ask you this, because I wanted to. So you said that one position in general kind of changed your whole way of thinking. Right. You the CEO of a credit union. A credit union, yep. And Credit Queensbridge. Right.

[Ash Cash]

Queensbridge projects.

[Financial Educator/Host]

So, all right, so Queensbridge is the largest projects in North America, if anybody's not familiar. Also home to hip hop royalty.

[Ash Cash]

Yes.

[Financial Educator/Host]

Nas, nas, mob, dupont, Ron Artest, Quamega. Yeah, a bunch of people. They ran Queensbridge in the 90s. Late 90s.

[Co-host or Guest Financial Educator]

MC SHN don't forget them. We gotta go all the way back,

[Financial Educator/Host]

but we can't fit. I was just having this debate about, like, rap, right? And in the 90s, it was like Queens, the borough just was unstoppable.

[Co-host or Guest Financial Educator]

It was a resurgence. It was a resurgence.

[Financial Educator/Host]

And it's like Queens Bridge. And specifically, if you think about it, like, for one project to have that much talent come out of it, it's crazy. But it's 96 buildings.

[Ash Cash]

96.

[Financial Educator/Host]

So they had their own credit union in the projects, right?

[Ash Cash]

Yeah. So Urban upbound is a nonprofit that provided services within that area. And so Bishop Taylor, the CEO of the nonprofit, decided that he wanted to open up a credit union to serve those members. And so, you know, we had a mutual friend when I was working at Citibank at the time. We had a mutual friend. And he was like, listen, you're the perfect person, right? You grew up in the projects. You're a VP at a bank. You understand our people, but you also understand how to run a branch from, you know, P Ls and all that stuff. And so he tapped me and was like, listen, I want you to run this credit union. And So I was 31 at the time. And so at the time, I was one of the youngest CEOs of a federally chartered bank. And that really kind of changed my perspective on just what we need from a financial education perspective. Because a couple of things I realized is that when I was working at Citibank in the same type of environment, right, I was running a $45 million branch right, on 144th street and 7th Avenue in Harlem. Same demographic, public housing. It was low income, but because we had the capital, we were able to provide the products and services that they needed. Working at the credit union, I realized that Jay said this, right? He says, I can't help the poor if I'm one of them. So I got rich and gave back to me. That's the win win. I didn't understand that until I became the CEO of a credit union and realized that in order to help them one, we needed to educate them first because they were so used to using check cash in places and giving their money away that there was an education part first. But then there was capital thing as well, right? Meaning that a lot of people were going to the check cash in places, were going to the pawn shops, were taking payday loans, were doing all of those things because they needed access, right? I, as a CEO of a credit union, could not give them access because there's a balance between taking risk as an institution, right? And so let's say, for instance, I had $2 million in deposits. That means, you know, there's a reserve, right? I can't lend up to $2 million. I have to, you know, keep a reserve. And so let's say I can lend $1.2 million, but now I have to look at the risk. Like as a credit union, the people who put their money in own the credit union, right? Your owner of the credit union. But I can't lend $5,000 to somebody who has not demonstrated that they will be able to pay it back, even though I know that they need it and that I can help and so

[iHeart Podcast Announcer]

run a business and not thinking about pod. Think again. More Americans listen to podcasts than ad supported streaming music from Spotify and Pandora. And as the number one podcaster, iHeart's twice as large as the next two combined. So whatever your customers listen to, they'll hear your message. Plus, only iHeart can extend your message to audiences across broadcast radio. Think podcasting can help your business? Think iHeart streaming radio and podcasting. Let us show [e-mail] that's iheartadvertising.com hey,

[Jonas Brothers]

everyone, it's the Jonas Brothers. If you haven't heard, our new podcast is called hey Jonas. And this week we're hanging out with someone we're really big fans of. Millie Bobby Brown. That's right, Eleven herself. We talk about her new movie, Enola Holmes three Family life and all the amazing things she has going on right now. This blew my mind when I saw this. Millie Bobby Brown, you have over 60 animals. First of all, how do you even keep track of everybody? And Second, do you have favorites? Who are they and why? Yeah, I need to know about this.

[Lele Pons]

Okay. I don't know where the number 60 and I've really got to figure that out. And I could actually have over 60. I just need to really know that number. There have been plenty of sheep in my bed. And yeah, it's a big bed in the bed. Literally sleeping in the bed. Yeah.

[Jonas Brothers]

Plus, we find out what she really feels about stranger things ending five seasons, almost 10 years of your life.

[Lele Pons]

I could have never have guessed it. I started when I was 10 years old.

[Jonas Brothers]

Our conversation with Millie Bobby Brown is out now. Go check it out. Listen to hey, Jonas on the iHeartRadio app, Apple podcast or wherever you get your podcasts.

[Hoda Kotb]

Hey, I'm Hoda Kotb, host of the podcast Joy 101 with Hoda Kotb. Okay. If you know me, you know this. I'm always searching for inspiration, for support and useful tools to help maximize joy. So this podcast lets us uncover all of that together. We're gonna have these meaningful conversations with with the world's most fascinating people. Like when actress Olivia Munn shared how she overcame fierce health challenges that she never saw coming.

[Lele Pons]

I've gone through breast cancer and then helped my mother through breast cancer, and that was more difficult. There's a lot of people who understand postpartum depression. I was not prepared for postpartum anxiety.

[Hoda Kotb]

Olympic champ Shawn Johnson revealed why she had no choice but to be a gymnast.

[Lele Pons]

There was something about gymnastics that was intoxicating to me. It's given me a belief that we all have one of those treasures inside of us. We just have to find it.

[Hoda Kotb]

Listen to Joy 101 with Hoda Kotb on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

[Lele Pons]

My first guest is Paris Hilton, Shakira, Luke and Yerin Samira E. Gracie. I'm so excited. On a bouncy bed, you have surprises, many surprises. Welcome to Suite 305 where the group chat comes to life. What up? You're the only person I know that loves a yellow Starburst. This is sweet. 305. Listen to suite 305 with Lele Pons as part of my Cultura podcast Network on the iHeartRadio app, Apple Podcast, or wherever you get your podcasts.

[Jake Brennan]

I'm Jake Brennan, and on the Disgraceland Podcast, I explore the wild lives of rock stars in unbelievable, believable true crime stories from music history. These are the stories you haven't heard, the kind you'll end up telling someone else. Like the time Paul McCartney spent in one of the world's most notorious prisons. Imagine that you're Paul McCartney. It's 1980. You're an ex Beatle, and you're doing time in one of Japan's worst prisons right there alongside Yakuza gangsters. And for a ridiculous charge or the bizarre crime Lady Gaga is accused of. Who is the artist? Lady Gaga is being accused of doing the unthinkable to after allegedly stealing her music and style to become famous. And what about that time Blondie's Debbie Harry escaped a serial killer? The man who had given her that ride she barely escaped from was Ted Bundy. Listen to Disgraceland on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

[Ash Cash]

It made me realize that, yes, access to capital is important, is very, very important. But that financial education piece is more important because again, we've seen people who come from places who they don't have any money. You give them money, they will lose the money. They will go back to square one because they haven't changed their mindset, they haven't recalibrated. And that's what changed my life. I said, you know what? I have to be on a mission, not only locally, right? So prior to that, you know, I was working in Harlem, I was working downtown, I was working in Queensbridge. But I said on a national level, I want to reach people. And that's why I continue to write books. That's why, you know, I started to reach out and become a national voice for financial education. Because our people, most importantly, have been shut out, right? Shut out of this information for so long. And not just like, we didn't do it. Like, these are like, if you read the book Color of Law, you'll realize that there were government sanctioned laws that shut us out of this, you know, shut us out financially. And so now we have to take back control and re educate people.

[Co-host or Guest Financial Educator]

It's dope. Because, like, from an education standpoint, right? And same thing from the financial world. You're inside the system, right? So you can see that the customers and your clients really don't have knowledge. And the same thing that we're kind of doing where I'm in the education system, I know it's not being taught in school, so we have to go out and give the financial education. But one of the things that you said is that you're culturally responsive. And that is so powerful because like I said, culture always changes right down to the name of your company. Right. Money, right? Management. Like, when I heard money, right, automatically I thought, memphis Bleak. And when I was like, yo, is there something there?

[Ash Cash]

Yeah, absolutely, without a doubt. And so. So it's so funny. And this is a testament to why you be your authentic self and do not hear what people say. I'm gonna tell you, Tell you a quick story. I wrote my first book in 2009, right? It's going on 10 years. It was called Mind Right Money, right? Based on the Jay Z and Memphis Bleak song, right? When I wrote the book, though, you know, I did not write the book as if the influence was hip hop, right? Like, I tried to, you know, at the time, you had the Dave Ramsey, Susie Orman's out there, and people were advising me against using hip hop and money. They were like, yo, it's a serious topic. Do not blend the two. How can you possibly do it? And I listened to them and so I said, you know what? Nah, I'm gonna write this book. I'm gonna do it the way I wanna write it, whatever the case may be. Fast forward, right? You know, eight years later where I finally was like, nah, I hear the Jay Z444 album.

[Co-host or Guest Financial Educator]

We're hearing it different.

[Ash Cash]

And I'm like, nah, I gotta mix hip hop and, you know, and finances together and. And it became my most successful book. Had I listened 10 years ago and said, you know what? Nah, I'm feeling this hip hop and money, I'm gonna mix the two together. But to your point about being culturally responsive, it's that, right? Is that a lot of times, and this is not just financial education, this is a lot of things that we're trying to teach people. We tend to teach people based on our level of understanding, but we don't realize or we forget that we had to go through a journey to even get here. And so, as the educator, let's stop trying to reach people from where we are, but let's reach them where they are. And I think that now that we look at hip hop as being the great equalizer, where, you know, when I listened to my first Jay Z track, I was 15 years old, right? And so throughout those years, I've grown, right? People who listen to hip hop have grown. We have homes now, we have kids, we have families. You know, we have some even have grandchildren and are thinking about legacy building. We are the growing.

[Financial Educator/Host]

Yeah, it's like it's Eric Falcon, Derek Falcon, where he said, we didn't do neo entrepreneurs, whereas we don't necessarily have to wear a suit. If we don't want to, we can wear Vapor Max and we can wear T shirts. That doesn't discredit the information.

[Ash Cash]

Absolutely.

[Financial Educator/Host]

Because it's like, okay, we grew up in the hip hop era. We grew up playing sports. And this is what it is, right? So it's like, as opposed to trying to water it down, be something that we're not, we can deliver the message in a language that the people understand. And that's what. That's one thing I like about you. Because it's in line. What we do as far as with the podcast is like, you know, it's. It's always easy to be yourself.

[Ash Cash]

Absolutely.

[Financial Educator/Host]

You know what I'm saying?

[Co-host or Guest Financial Educator]

I think that's one of my favorite Drake lines. He said that line. He was like, you could be anything you want, even yourself.

[Financial Educator/Host]

Right? Even when Az. When he said, still do me, because it's easy to do. Cause it's like, that really is easy. Like, you know what I'm saying? It takes a lot of effort to try to be somebody that you're not. But a lot of times people do that every single day in the work world and just life in general. And A, it never works. Cause you're trying to duplicate somebody else. And B, it's just not even comfortable. So the message is never gonna get delivered because the people that you're trying to be, like, they know you're not them, right? And the people who you really are, like, they looking at you like you not even you talking down. You know what I'm saying?

[Ash Cash]

You don't sound like us.

[Financial Educator/Host]

You turned your back. But I wanted to ask you something because you said something that was very key. You said when you was on the institutional side working in banks, you realized that, like, wealthy people, like, they have a team, man. And we even said bringing it back with the lyrics, when Nipsey said, I don't need an ID in my bank. I walk in, I got a team in my bank. And you was like, that's one of the things that motivates you to just educate people. Because it's like, we're so far. When I say we, our community, we're so far behind eight ball, we don't even know what's on the other side of the dark. Oh, my God. Can you just explain, like, what's on the other side of the.

[Ash Cash]

So for two years, right, I was a private banker and I managed assets. I had a book of business, 400 mass affluent clients, right? So the term mass affluent just means $250,000 in investable assets. Right? So you have to have liquid $250,000 or more to even qualify to have a private banker. And so my richest client was worth $22 million. I was part of a team, though. I wasn't. I wasn't the only person that worked on that, on that wealthy person's portfolio. You know, I managed the banks and the mutual funds. And there was somebody who was the mortgage guy, There was somebody who was the banker. There was somebody who, you know, worked on, you know, the investment banking side. Like, they had a whole team of people who not only worked for them, meaning that this wealthy person didn't have to think about their money. Like, this wealthy person got up and did what they did every single day to keep their wealth.

[iHeart Podcast Announcer]

Run a business and not thinking about podcasting. Think again. More Americans listen to podcasts than ad supported streaming music from Spotify and Pandora. And as the number one podcaster, iHeart's twice as large as the next two combined. So whatever your customers listen to, they'll hear your message. Plus, only iHeart can extend your message to audiences across broadcast radio. Think podcasting can help your business? Think iHeart streaming radio and podcasting. Call 844-844-IHeart to get started. That's 844-844-IHEART.

[Jonas Brothers]

Hey, everybody, it's the Jonas brothers. This week on the podcast. Hey, Jonas. We're so excited to be hanging out with Mika Abdallah from the hit show off campus. Congratulations on the massive show and that's a success. Got through about episode five. I left the next morning to go meet the guys. Came back, was like, cool, let's pick up where we left off. And that series had been completed without me.

[Jake Brennan]

Oh, no.

[Lele Pons]

That's like the number one rule of watching some. It's literally cheating. That's crazy.

[Jonas Brothers]

We talk about what it's been like watching the show become such a massive hit. What's next for season two and just how close the off campus cast really is.

[Lele Pons]

We're genuinely so close.

[Jonas Brothers]

What's the group chat called? If you can say if it's allowed to be said on the on pod,

[Co-host or Guest Financial Educator]

it's a great question.

[Lele Pons]

One of them is off campus Brazil. Okay.

[Financial Educator/Host]

Okay.

[Jonas Brothers]

Love it. Shout out Brazil.

[Lele Pons]

Shout out Brazil. And then the boys have their own group chat called Dean's.

[Jonas Brothers]

Our conversation with Mika Abdallah is out now. Go check it out. Listen to hey Jonas. And the iHeartRadio app, Apple Podcasts or wherever you get your podcast.

[Hoda Kotb]

Hey, I'm Hoda Kotb, host of the podcast Joy 101 with Hoda Kotb. Okay, if you know me, you know this. I'm always searching for inspiration, for support, and useful tools to help maximize joy. So this podcast lets us uncover all of that together. We're gonna have these meaningful conversations with the world's most fascinating people. Like when actress Olivia Munn shared how she overcame fierce health challenges that she never saw coming.

[Lele Pons]

I've gone through breast cancer and then helped my mother through breast cancer, and that was more difficult. There's a lot of people who understand postpartum depression. I was not prepared for postpartum anxiety.

[Hoda Kotb]

Olympic champ Shawn Johnson revealed why she had no choice but to be a gymnast.

[Lele Pons]

There was something about gymnastics that was intoxicating to me. It's given me a belief that we all have one of those treasures inside of us. We just have to find it.

[Hoda Kotb]

Listen to Joy 101 with Hoda Kotb on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

[Lele Pons]

My first guest is Paris Hilton, Shakira Lul and Yerin Samira y Gracie. I'm so excited.

[Ash Cash]

On a bouncy bed, you have surprises.

[Lele Pons]

Many surprises. Welcome to suite 305, where the group chat comes to life. What up? Hola, amiga.

[Ash Cash]

Hola, Mejora.

[Lele Pons]

Yes. You're the only person I know that loves a yellow Starburst. It's lemonade. This is Sweet305. Listen to Sweet305 with Lele Pons as part of my Cultura Podcast Network on the iHeartRadio app, Apple Podcast, or wherever you get your podcast.

[Jake Brennan]

I'm Jake Brennan, and on my podcast Disgraceland, I tell the stories behind music's biggest names, the moments, rumors and real life events that help shape their legacy. Like the story behind Sonic Youth that starts with downtown New York cool and ends with album art inspired by a true crime. Sonic Youth was not fronted by a groupy hustling alpha like David Lee Ross. No, Sonic Youth's Thurston Moore was an artist in love with with a fellow artist who just happened to play bass in the same band with him and his other artist friends. Her name was Kim Gordon. And Thurston and Kim were every bit as cool as the couple on the COVID of Goo. The same couple involved in one of the UK's darkest true crimes. Disgraceland is part of the Exactly Right network. Listen to new episodes every Tuesday, bonus episodes Thursday, and rewinds on Sunday on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

[Ash Cash]

And there Were people working around the clock to manage their money, to make sure that their money grows, Right? Meaning that from a. From a banking perspective, there were no fees. They weren't charged anything. From an investment perspective, they had someone watching their portfolio. You know, from a mortgage perspective, they had somebody. If rates dropped, with. So these were all people working proactively to maintain or build this person's wealth, while us, you know, people in our community, people who don't have access to this team, like, we're trying to figure out how to. How to do stuff day to day, and we got to think about our money. We got to think about how to make the money. We got to think about how to manage the money. And so that's why when they say that term, you know, the rich get richer is because they have a team. They have things and systems and processes in place that keep them at that level of. And so for me, you know, I'm a big Jay fan, so I'm gonna quote Jay all day, right?

[Co-host or Guest Financial Educator]

You're in the right place, right?

[Financial Educator/Host]

So.

[Ash Cash]

So Jay said, there's much bigger issues in the world. I know, but I first had to take care of the world. I know. And so for me, I'm like, yo, I'm from the. I'm from the projects, B. I'm from. You see, the. The Harlem, right? I'm from the projects. I'm from 129th street and 8th Avenue.

[Co-host or Guest Financial Educator]

Not the new.

[Financial Educator/Host]

All right?

[Ash Cash]

And so, like a spoof, you know what I mean? So I'm from old Harlem, so I understand what it's like to be from the bottom, but then I've done well for myself, so I also understand that other side of it. And I'm like, nah, this ain't it. Like, my people need this, right? So there's much big issues. I could be doing so many other things, but I first had to take care of the world. I know. And I think that, you know, for us. And this is why I appreciate what y' all do as well, is because we're credible messengers, right? Like, you can't. Like, yo, I've. I've. I've been to Rikers island, and I've been in the corporate boardroom, right? Talking the same. It's the same language, and it's nothing nobody could tell me about this be. Because I've been on both sides, and I think that's what makes us credible, because we got receipts, and I think that's important, right? Having those receipts, but reaching people at a level that they understand and hip Hop money, they're not. They're not mutually exclusive.

[Co-host or Guest Financial Educator]

Yeah. It's important because it's like we said this before, it's like the message is for everybody, but the people who need it and are going to be impacted by it, most are going to receive it. You know what I mean? And that's something that we pride ourselves on. Right. Because like you said, we are the messages of this and we have receipts to prove it.

[Financial Educator/Host]

But you know what? It's interesting because people say that hip hop is not finance. Hip hop actually is finance. Everything about it is money. Right. As far as the lyrics, it's a business, a billion dollar business. And it always was about education. At its core was educating. Even if it's not educating you on the right thing, you're still getting educated.

[Ash Cash]

There's a lot of.

[Financial Educator/Host]

The thing about it is, like, even for me, like, you know, I pride myself on having a very good memory, but one of the things I think keeps my memory so good is I have so much rap lyrics that I remembered right. And like I said, a lot of the things that I learned from rap, they weren't necessarily positive, but it was still an education, right?

[Lele Pons]

Sure.

[Financial Educator/Host]

So it's like, now if we can teach people using lyrics and music as something that they can relate to culturally, to me, that's a win.

[iHeart Podcast Announcer]

Win.

[Co-host or Guest Financial Educator]

Earners. What's up? Look, building wealth isn't just about making money. It's about knowing where your money is working for you. That's why we partner with Empower. Empower is all about helping you invest well so you can go out and live a little. Their free Empower Personal Dashboard gives you a complete view of your financial life in one place. Track your net worth, monitor your budget, analyze your investments, set retirement goals, and more. You've worked hard for your money, now make sure it's working hard for you. Download the Empower Personal dashboard or visit empower.com not an empower client. Paid or sponsored. When traveling for events or festivals throughout the country, every dollar matters. We compare flights, prices, hotel rates, and restaurant options. So why wouldn't we compare rides? Personally, I always check Lyft before booking a ride. Prices can change throughout the day, depending on traffic, weather, and what's happening in the city. If you're headed to a concert, out to dinner, or catching up with your friends on a Friday night, taking a few seconds to check Lyft could leave you with more money to enjoy the experience, save money. Check. Lift.

[Hoda Kotb]

Joy is essential, and it's also elusive. But now there's a new and exciting way to start your journey toward a more joyful existence. Joy 101 it's a new podcast hosted by me, Hoda Kotb. If you're craving inspiration to maximize your joy, tune into these candid, uplifting and moving on air chats. Open your free iHeartRadio app search Joy101 and listen now. Joy101 with Hoda Kotb is presented by CBS.

[Ash Cash]

American soccer is exploding.

[Jonas Brothers]

The knockout rounds are here.

[Ash Cash]

The US Won their group and now every match is win or go home.

[Jonas Brothers]

I'm Tab Ramos.

[Ash Cash]

And I'm Tom Boger. On our podcast, Inside American Soccer, we'll talk about the real storylines, discuss the tactics that actually decide matches, and give you the truth about the U.S. national team from inside the program. Whether you're a lifelong fan or this is your first World cup, we've got you covered. Listen. Inside American Soccer with Tom Boger, Tab ramos on the iHeartRadio app, Apple Podcasts or wherever you get your podcast.

[Jonas Brothers]

Hey everybody, it's the Jonas Brothers. This week we're so excited to be hanging out with Mika Abdallah from the hit show Off Campus. We talk about what it's been like watching the show become such a massive hit, what's next for season two, and just how close the Off Campus cast really is. What's the group chat called?

[Lele Pons]

One of them is Off Campus Brazil.

[Jonas Brothers]

Okay.

[Lele Pons]

The boys have their own group chat called Dean's.

[Jonas Brothers]

Our conversation with Mika Abdallah is out. Now go check it out. Listen to hey Jonas and the iHeartRadio app, Apple Podcasts or wherever you get your podcast.

[Lele Pons]

This is an I heart podcast. Guaranteed human.