A Transformational You

Summary

Podcast Summary: "A Transformational You"

Podcast Title: Money And Wealth With John Hope Bryant
Host: John Hope Bryant
Produced by: The Black Effect and iHeartRadio
Episode: A Transformational You
Release Date: January 9, 2025

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1. Introduction and Purpose

John Hope Bryant inaugurates the podcast series "Money and Wealth" by outlining its mission to empower listeners, especially within the Black community, to develop a wealth-building mindset. He emphasizes the importance of financial literacy as a cornerstone for personal and communal prosperity.

Notable Quote:
"Success is going from failure to failure without loss of enthusiasm." ([05:15])

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2. Personal Journey and Background

Bryant shares his personal narrative, tracing his roots from growing up in impoverished neighborhoods in Compton and South Central Los Angeles to becoming a successful entrepreneur and philanthropist. He highlights the foundational role of his parents, particularly his mother's financial discipline, in shaping his understanding of wealth.

Notable Quote:
"My mother worked an hourly job and became a millionaire before she passed away, making $15 to $18 an hour." ([07:45])

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3. Broke vs. Poor: Understanding the Difference

A critical distinction is made between being "broke" and being "poor." Bryant explains that while being broke is a temporary economic state, being poor encompasses a more debilitating mindset that hinders financial growth and personal development.

Notable Quote:
"Being broke is economic. Being poor is a disabling frame of mind." ([09:30])

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4. The Importance of Self-Esteem

Bryant delves into the impact of self-esteem on financial success. He discusses how historical factors have eroded self-worth within the Black community and stresses the necessity of rebuilding self-esteem to foster economic empowerment.

Notable Quote:
"If I don't like me, I'm not going to like you." ([11:00])

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5. The Three Reconstructions

Drawing parallels to historical periods, Bryant outlines three "Reconstructions" that have shaped the socio-economic landscape:

• First Reconstruction: Post-Civil War economic initiatives like the Freedmen's Bank aimed at financial literacy for freed slaves.
• Second Reconstruction: The Civil Rights Movement led by Dr. Martin Luther King Jr., focusing on legal and social equality.
• Third Reconstruction: Emerging from events like the murder of George Floyd and the COVID-19 pandemic, emphasizing economic justice through an economic lens.

Notable Quote:
"Financial literacy is a civil rights issue of this generation." ([20:22])

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6. Current Environment: Radical Indifference

Bryant characterizes the present socio-economic climate as one of "radical indifference," where mainstream society is increasingly disconnected from the successes and struggles of marginalized communities. He argues that this apathy poses a significant barrier to collective progress.

Notable Quote:
"It's not love or hate, it's just indifference, just shrugging their shoulders. Not my problem." ([24:10])

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7. Becoming the Transformational You: Tools and Principles

The core of the episode focuses on actionable strategies for personal transformation:

• Self-Ownership: Emphasizing the importance of taking responsibility for one's financial and personal growth.
• Good Habits: Cultivating habits that align with long-term success and distancing oneself from negative influences.
• Continuous Learning: Advocating for lifelong education and adaptability, especially in the face of technological advancements like AI.

Notable Quote:
"Become obsessed with becoming reasonably comfortable in your own skin. This is your primary asset." ([29:50])

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8. The Role of Associations and Networking

Bryant highlights the significance of surrounding oneself with high-frequency individuals who inspire and challenge one to grow. He contrasts "eagles," who soar independently, with "buzzards" and "turkeys," who thrive in toxic environments.

Notable Quote:
"If you hang around nine broke people, you're going to be the 10th." ([17:05])

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9. Financial Literacy as a Civil Rights Issue

Expanding on earlier points, Bryant reiterates that understanding and managing finances is not just a personal benefit but a communal necessity. He connects financial literacy to broader civil rights, asserting that economic empowerment is essential for true equality.

Notable Quote:
"I believe financial literacy is a civil rights issue of this generation." ([30:40])

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10. Conclusion and Call to Action

Bryant concludes by urging listeners to embrace their unique identities, invest in their personal growth, and contribute positively to their communities. He emphasizes resilience, continuous improvement, and the collective upliftment of marginalized groups as pathways to meaningful wealth and success.

Notable Quote:
"Tell all your friends to follow this episode series for 2025. I want you to become obsessed. This is why I became obsessed, absolutely focused on financial literacy." ([34:50])

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Key Takeaways:

• Distinguish Between Being Broke and Being Poor: Recognize that true poverty stems from a mindset, not just economic status.
• Rebuild Self-Esteem: Essential for personal and financial growth.
• Embrace Continuous Learning: Adapt and evolve with changing economic landscapes.
• Cultivate Positive Associations: Surround yourself with individuals who inspire and elevate.
• Understand Financial Literacy as a Civil Rights Issue: Economic empowerment is crucial for equality and justice.
• Take Action: Commit to personal growth, resilience, and contributing to community upliftment.

Additional Resources:

• Books by John Hope Bryant:
  • Financial Literacy for All (Bestseller)
  • Up from Nothing (Bestseller)
  • Love Leadership
• Future Episodes: Bryant hints at upcoming masterclasses and discussions on navigating the current economic environment and leveraging $100 trillion in opportunities.

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Support and Further Engagement: Listeners are encouraged to subscribe to the podcast, follow John Hope Bryant on social media, and engage with the broader Black Effect network to stay updated on future content and initiatives aimed at fostering financial empowerment and personal transformation.

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This summary encapsulates the main content of the "A Transformational You" episode, providing a comprehensive overview for those who have not listened to the podcast.

Transcript

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[John Hope Bryant]

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[John Hope Bryant]

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[John Hope Bryant]

All of us equally. Or one of us is like the star. What did you see? My audi's wife was Ms. Casey. If you wouldn't find out what happened to her, I'll help.

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She's still alive.

[John Hope Bryant]

I want to see my wife. He should have left Severa. New season streaming January 17th only on Apple TV.

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[John Hope Bryant]

Welcome to Money and Wealth with John Hope Bryant, a production of the Black Effect podcast network and iHeartRadio. Hey, hey, it's John Hope Ryan and this is Money and Wealth. I'm a Black Effect Network and iHeartRadio podcast series for 2025. This is the kickoff episode. This particular episode is called the Transformational you. That's right, the Transformational you is a pretty audacious title for a pretty bold time. In many ways, I've been preparing to do this podcast episode for the last, well, 30 years, maybe 30 years plus, but certainly since I found it, Operation Hope. So let me get into this. As you're walking or reflecting or meditating or making dinner or breakfast or lunch or heading to work or heading home or want to jog or do whatever it is you're doing while you're listening to your podcast, I want to give you something that you can tuck away in your spirit and pull out and energize your soul. There'll be times where you're going to be tested in 2025. It's going to be a year of incredible opportunity and incredible challenges. Because rainbows only follow storms. You cannot have a rainbow without a storm first. It's actually a scientific fact. I want you to remember when things get tough that success is going from failure to failure without loss of enthusiasm. Never ever, ever ever ever give up. You were born to win. God made you unique and special. There's 8 billion some odd people in the world and no one just like you. He made you absolutely unique. No one has your eyes, no one has your fingerprints. You are completely unique. So why would you want to be a copy of someone else? You want to model good behavior because a lot of success is good habits. And I'm going to teach you some good habits. I'll give you some cheat sheets from what I went through in my life coming up to go from the bottom quartile of the worst environments in Compton, California and South Central Los Angeles. The so called poorest of the poor. We were so broke we couldn't pay attention. We were so poor we couldn't afford the or. We actually were not sustenance poor. In other words. We had a roof on the table, a roof over our head, food on the table, and reasonable health care. My mother worked a job. Mom and dad actually were prosperous at one point, but they got a divorce and my dad when he died I ended up taking care of him. My mother worked the Same job for 32 years. Juanita Smith My dad, Johnny Will Smith both had a high school education, but one had the potential of becoming a millionaire. And one did become a millionaire. My mother, working an hourly job, became a millionaire before she passed away. A million dollar net worth making 15 to $18 an hour. You can listen to her story in a special episode I did Last year in 2024 season of this podcast. You can also chronicle her story in my book Financial Literacy for All, which is now a bestseller. Please pick up your copy. I also talk about her and my dad in my up from Nothing story. That was my favorite fifth book I believe, which is also a bestseller. But they it's very important to recognize that my mom and dad, they were broke, but they weren't poor. There's a difference between being broke and being poor. Being broke is economic. Being poor is a disabling frame of mind. Any depressed condition of your spirit and you must vow never ever, ever to be poor again. Did you hear me? Please underscore this as my friend, God bless his soul, he's been promoted. Quincy Jones once told me, not one ounce of my self esteem depends on your acceptance of me. It wasn't a statement of being better than it was being equal to you're not as good as your compliments. You're not as bad as your criticisms. You are who you are. Which is to say we're not human beings having a spiritual experience. We're spiritual beings having a human experience. And energy matters. Please listen to me. I want you to look at your environment. I want you to look around you and see who you hang around. And you've heard me say this before, but some things are worth repeating again. A lot of success is good habits. If you hang around nine broke people, you're going to be the 10th. And the opposite is also true. Why do people go to Harvard University or Yale or Princeton versus going to the state university or the community college even? Is it that the state university is so much less than these vaulted named universities I mentioned? No. In many cases you're going to get an equivalent education at a state university, maybe even a better education. But your networks may be different. Your network may, you know, at Nebraska State or wherever you happen to be, Arizona State you're going to have maybe incredible relationship capital in the state of Arizona, in this example of Arizona State. And you do business with people you know, respect, reflect and understand who, who you have a relationship with. But if you go to a nationally known university, maybe even globally known, then your relationship capital is going to be, in this example, global as well. And so as they rise, there's a possibility, so do you. It's a club, a country club, a golf club, a fraternity, a sorority, university, graduating class. These are clubs, these are places of association. So I want you to watch who you associate with and understand that eagles don't fly in packs. You've never seen a flock of eagles. Eagles are high altitude birds. They don't feel they're better than anybody else. They just know who they are. And buzzards are low altitude birds. Buzzards love packs. They are always player hating. Every player congratulating always has something negative to say about somebody. And buzzers often shoot at eagles. And then you've got turkeys, turkeys got wings and can't even fly. All they do is profile. Translation, trying to be something they are not. So I want you to watch your circle. I go through life consciously oblivious of most things around me because it just doesn't matter. I spent a lot of time, wasted, a lot of time trying to impress people I didn't even want to be like when I grew up. And when you really thought about it, that foursquare block celebrity in your neighborhood that you're spending so much time trying to be like, not trying to be like, trying to impress, so they like you, trying to get their attention, trying to be popular with them. Why do they have a job that you want? Do they have a career that you want? They have a partnership, a partner that you want. They have an aspirational life that you want. Are they traveling the world, whatever your definition of success is? Probably not. They may be a definition of cool that 20 years later will only make them a fool. A lot of people who I grew up with, who I thought were cool, who teased me, demean me, player hated me, even phrase from the neighborhood 20, 30 years later, trying to get a job for me, trying to get a contract from me because the looks will fall away, the coolness does not pay a bill, and they didn't have a skill that they could rely on for the rest of their lives. I spent my time focusing on that skill, focusing on becoming the best version of me possible. I also became, unbeknownst to myself, resilient because I ignored the noise again. It was. It's not what you answered. It's not what you call me, it's what I answer to that's important. And argue with a fool proves there are two. You know, somebody once said, you don't want to be in an argument with a fool because the people passing by who may be important to you don't. I cannot differentiate one from the other.

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[Charlamagne tha God]

Smash, slam, Another one gone.

[John Hope Bryant]

Bash bam.

[Charlamagne tha God]

Another one gone.

[John Hope Bryant]

A cracker, the bat.

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And another one gone. A tip for the cap cause another one gone.

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[John Hope Bryant]

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[John Hope Bryant]

So let's now move from what you don't want to what you do want. And you really don't want the drama. You really don't want the toxicity. And I'm going to tell you why you can't afford it either. How do I say this? Well, let me do it directly. Thirty years ago, when I founded Operation Hope as the first nonprofit social investment banking organization in America, I really thought at that time that it was going to be transformational. I didn't know how or didn't know why. I just thought it was going to be transformational. And I had a hunch that even then the color wasn't. The issue before us in our generation was not going to be black or white. Race, primarily racism is real. I'm not saying it's not real, but it won't be the primary issue. The issue won't be politics, Republican or Democrat. I know that's hard to believe in the current environment, but that won't be your Primary impediment. It's not going to be black or white or red or blue. It's going to be green economics. This was going to be the defining thing of this century. Issue of this century. And if that's true, that would mean that things like financial literacy, which was something that was pioneered by Abraham Lincoln and Frederick Douglass after the Civil War, 1865, and signed into law with the Freedmen's Bank March 3, 1865. And I'm the only American citizen that ever triggered and inspired the renaming of a building on the White House campus, the Freedmen's bank building. With my friend Wale Adeyemo and others helped to make real at the Treasury Department during the Obama administration and to this day is called the Freedmen's bank building. That bank was chartered to teach free slaves about money. That's financial literacy circa 1865. So I thought that this unfinished work, Abraham Lincoln was assassinated a month after he signed it into law. And here comes Dr. King. So that called that the first reconstruction. From the fields of slavery to the streets of freedom, the fields of freedom, the factories, the job, the opportunity for, you know, basically freedom of choice. Then the second reconstruction was really from those fields into the field of exploration, of access literally to the factory jobs and to access to public facilities and the voting booths. And that was the civil rights movement, Second Reconstruction, which Dr. King and my mentor, Ambassador Andrew Young, that movement they led, and that's what we call civil rights, right? And that was led centered in government as the central element for change. And Dr. King dealt with love and hate very pointedly. People said they even loved them or hated them. They made it very clear where they stood. Dr. King only had 20% of the black community support at his height, 20% of the white community support at his height, and half of the white community support was Jewish. Most people sat on their hands. They were indifferent. They said, not my problem. And even with that, by the way, give you a point of inspiration. 5% of role models. Just 5% of role models. The book the Tipping Point. Malcolm Gladwell University of Illinois Study the book, Malcolm Gladwell's book the Tipping Point. You should read it. University of Illinois study proved that at 5% of all role models, 5% positive role models, every community stabilizes. Look at the black and brown communities. My podcast is for everybody. But I'm hyper focusing on the black community because we're the only ones enslaved on American soil and our self esteem was destroyed. I deal with that with the five pillars of success from my book up from Nothing. Our self esteem was destroyed. Even though we had high confidence because we're competent, we had low self esteem because people convinced us we were a thing or at least tried to. And we're now repairing that. We're healing that. So if I don't like me, I'm not going to like you. If I don't feel good about me, I'm not going to feel good about you. If I don't respect me, don't expect me to respect you. If I don't have a purpose in my life, I'll make your life a living hell. Whatever goes around comes around. So had to repair self esteem. But when you look at the third reconstruction, which I believe started with George Floyd's murder In the pandemic, 2020 will go to 2030, give or take. I believe. And I think this is social justice through an economic lens. I think this is about economic opportunity for all. Believe the color is green. There's something else that came along with that though, really, the pulling back the draperies on the real challenge, which is class. And often race baiting is a placeholder. Race diminishing racism is a placeholder. It's a convenient distraction for what people are really after, which is class differentiation. And I'm better than you in whatever way vernacular you want to describe it puts me, if I succeed in convention, that puts me further ahead of the line which allows me to get more economic opportunity than you. There's redlining in all these things that happen as a result of that. I was perceived in one way in a positive light. You're perceived in another light, another light in a less positive way. Right. So I'll deal with all these in my masterclass in 2025. I'll unpack all these things. I'm going to unpack what got us here, why, what's holding us back and how do we move forward in a positive way. Right? Because I believe there's enough poverty to go around. There's no need to argue and compete about that. If you're a non profit, we should all be working together to try to lift everybody up. And there's enough room in the success table because you expanding the table and adding a chair. So nobody should feel insecure because blacks or browns, Latinos or women, poor whites or whoever are succeeding or middle class people become upper class again. I've gone from the bottom quartile of all poverty in this country to the top 1%. As I was saying earlier, in one generation and if I did that right, did that legally, I brought People up. I've created employees. I've created wealth. I've created tax base. I paid my taxes. I employ people. I've created opportunities for others. As I've come up, I've built a ladder that other people can follow. I've done well and done good. Good capitalism is where I benefit and you benefit more. Bad capitalism is where I do benefit. Where I benefit and you pay a price for it. I'm talking about good capitalism. So no one should feel insecure about my success or yours. They should applaud it. I've said that if blacks succeed legitimately in this country, even the racist wins, because all boats rise. Now let's get back to why I had an epiphany 32 years ago. Because if what I just said is correct and if the seas of transformational change have shifted, then the issue is primarily not love or hate. As Dr. King dealt with Andrew Young, my mentor, Dr. Dorothy Heiden Curtis, got King all these heroes and sheroes, and even going back to the first Reconstruction, that was. Well, that was class structure primarily, but it was. It was. It was sort of masked in love and hate, racism. I mean, slavery was about money. I do a whole podcast about that. It was a. It was primarily an economic exploitation situation. Okay, it's about money. How do you get people who work for free build a country for free? So what I'm saying now, though, is the issue is not love or hate. It's radical indifference. Please hear me, because now, minute 17th mark of this podcast, I'm about to talk about what it's going to take for you to become the transformational you again. This works for anybody, but it's going to really work for African Americans and Latinos and people of color. Because when mainstream America has a headache, black and brown have pneumonia. They're sick. But we're really sick. It could kill us. And I want you to get this success formula, and I want you to understand that initially, everybody may not see it, or they see it, they may not acknowledge it because they're insecure about your success. And may player hate it, Maybe challenged or threatened by it, first they will ignore you, then they will criticize you. If you keep at it, then you win. First they will ignore you, then they will criticize you, and you keep at it, and then you win. Never, ever, ever, ever, ever, ever, ever give up. But if the issue is radical indifference, then somebody does not care enough about you to hate you. Let me give you some signals about this. Private communities, private streets, private security, gated Communities, private clubs, private homesteads, private. Private transportation, private security. Starting to get it. And they're popping up all across this country. Popping off of all around the world. People just differentiate. They're just saying, look, if you want to tear yourself up, if you want to blow yourself up, you want to destroy your own community, I don't care. They're saying, that's your business. I'm not saying it's right. I'm telling you this is when religion falls away, when spirituality gets diminished, then people start making decisions that are more transactional and more selfish in nature. And we got to get our spirituality back. But that is a fight for another. Another day. I'm trying to make sure that you have the tools you need to compete and succeed in the current environment. And I believe the current environment, political, economic, social, societal, cultural, etc. Is. This is a futurist comment for you. Now. I believe the current environment, supercharged by an overlay of technology and artificial intelligence that will aid and abet progress for progress's sake. It would be progress at the speed of light. As Dr. King said, the world is moving at jet like speed and America is moving at horse and buggy pace. When it came to social progress, we are at this inflection point again. But back then he could make a moral case and people listened. Okay, there's a whole bunch of reasons for that. While the moral case worked and all that, we won't get into that in this podcast, but for a range of reasons. I'm telling you that people are increasingly disconnecting from your success or your failure. It's not love or hate, it's just indifference, just shrugging their shoulders. Not my problem. And until we can get everybody back on the same page and realize we're better together, you might be on your own for a minute. Okay? Now there are some benefits to being on your own. As you get yourself right. Nobody's coming to save you is a great wake up call. You don't you realize you cannot subcontract your democracy or your freedom or your opportunity. You realize you have to vote and you got to be a stakeholder, otherwise there's no stake in what you're voting for. So you tend not to vote. You understand that nobody washes rental cars? Okay. Right. You got to own something and that starts with owning yourself. So I want you to become. Please write this down. Now, this is the most important thing I'm going to say in the first 20 minutes of this podcast and I'm not getting to now I'm Getting to the meat of the matter. I want you to become obsessed with becoming reasonably comfortable in your own skin. Obsessed. This is your primary asset. That's why this, this is a money and wealth podcast. Yes, but, but you are the product. Okay? Please hear me. And I want you to become obsessed with becoming reasonably comfortable in your own skin. Because when you like you, you can love somebody like somebody else. When you love you, you can love somebody else. When you're comfortable with you, you're comfortable with everybody else. See how that works? And the opposite, unfortunately is also true. You're insecure. You're going to be insecure about others. If you hate yourself, you're going to hate other people. If you don't like yourself, it's going to be hard for you to like somebody else. You don't love yourself. How do you say how to love somebody else? And so on and so forth. The most dangerous person in the world is a person with no hope. So I want you to learn to become reasonably comfortable in your own skin. I'm going to literally give you a prescription for that here in a moment. I want you to heal from the hurt of your 18 year old self. Heal from the hurt of your 18 year old or your 15 year old or your 12 year old or your 8 year old or your 5 year old self. Whatever that pain is. I want you to become focused on healing from that thing and becoming a new version, a new powerful version of your newfound self.

[Charlamagne tha God]

Peace to the planet Charlamagne Tha God here. And I just want you to know, if you're not on Amazon prime, you're seriously missing out. It's not just about the fast free delivery, although let's be real, that's a game changer. It especially was for me this holiday season. Prime is like your personal guide to everything you're into or want to get into. Whether it's binge watching the latest hit on prime video, you know, listening to your favorite playlist on Amazon music, or getting those last minute gifts with same day free delivery. Prime's got you covered. And here's the kicker. Prime isn't just about getting you closer to your passions. It's about helping you discover new ones too. Got a hobby you're obsessed with? Prime fuels it. Trying something new. Prime helps you dive deep into whatever's next. It's like me being passionate about mental health. You can order all kinds of books on mental health on Prime. My favorite is the Unapologetic Guide to Black mental health by Dr. Rita Walker. Prime gets you closer to what really matters, making all times of the year that much more special. Whether it's screaming your favorite movie or getting that perfect gift delivered the same day, prime makes everything easy and stress free. Whatever you're into, it's on Prime. Visit Amazon.comprime now looking for excitement?

[Unknown]

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[Dr. Joy Harden Bradford]

Seek terms and conditions hey y'all, I'm Dr. Joy Harden Bradford, host of Therapy for Black Girls, and I'm thrilled to invite you to our January Jumpstart series. For the third year running all January, I'll be joined by inspiring guests who help you kickstart your personal growth with actionable ideas and real conversations. We're talking about topics like building community and creating an inner and outer glow.

[Unknown]

I always tell people that when you buy a handbag, it doesn't cover a childhood scar. You know, when you buy a jacket, it doesn't reaffirm what you love about the hair you were told not to love. So when I think about beauty is so emotional because it starts to go back into the archives of who we were, how we want to see ourselves and who we know ourselves to be and who we can be. So a little bit of past, present and future all in one idea. Soothing something from the past. And it doesn't have to be always an insecurity. It could be something that you love.

[Dr. Joy Harden Bradford]

All to help you start 2025 feeling empowered and ready. Listen to Therapy for Black Girls starting on January 1st on the iHeartRadio app, Apple Podcasts or wherever you get your podcast.

[Questlove]

Sup, y'all? This is Questlove and I'm here to tell you about a new podcast I've been working on with the story pirates and John Glickman called Historical Records. It's a family friendly podcast. Yeah, you heard that right. A podcast for all ages. One you can listen to and enjoy with your kids. Starting on September 27th. I'm going to toss it over to the host of Historical Records Nemini to tell you all about it. Make sure you check it out.

[Nimini]

Hey y'all Nimini here. I'm the host of a brand new history podcast for kids and families called Historical Records. Historical Records brings history to life through.

[Charlamagne tha God]

Hip hop, Smash, slam, Another one gone. Bash bam, another one gone. The crack of the bat and another one gone. The tip of the cap cause another one gone.

[Nimini]

Each episode is about a different inspiring figure from history. Like this one about Claudette Colvin, a 15 year old girl in Alabama who refused to give up her seat on the city bus nine whole months before Rosa Parks did the same thing. Check it. Get the kids in your life excited about history by tuning in to Historical Records. Because in order to make history, you have to make some noise. Listen to historical records on the iHeartRadio app, Apple Podcasts or wherever you get your podcasts.

[John Hope Bryant]

The forces shaping markets and the economy are often hiding behind a blur of numbers.

[Unknown]

So that's why we created the Big Take from Bloomberg Podcasts to give you the context you need to make sense of it all.

[John Hope Bryant]

Every day in just 15 minutes, we dive into one global business story that matters.

[Unknown]

You'll hear from Bloomberg journalists like Matt Levine.

[John Hope Bryant]

A lot of this Meme stock stuff is, I think, embarrassing to the search.

[Unknown]

Amanda Mull, who writes our Business Week Buying Power column.

[John Hope Bryant]

Very few companies who go viral are like totally prepared for what that means.

[Unknown]

And Zoe Tillman, senior legal reporter. Courts are not supposed to decide elections. Courts are not really supposed to play a big role in choosing our elected leaders. It's for the voters to decide.

[John Hope Bryant]

Follow the Big Take podcast on the I Heart Radio app, Apple Podcasts or wherever you listen. I want you to understand that you might be broke, but you're not poor. That God made you unique and powerful and special and different and he made you to win. I want you to learn to manage all kinds of things coming at you in an age of radical indifference. I want you to see opportunity everywhere. There's $100 trillion worth of opportunities coming your way. I'll cover this in the Future podcast. $100 trillion of economic opportunity coming your way and no one's paying attention to it. And I'm going to give you the roadmap in future episodes of how to get at it yourself. It's going to be easy to go after a 30 million dollar opportunity in the next few years, the next 10 years for sure than it is to going after a. A $20,000 opportunity. Yes, I said that easy to go after $20 million. That an opportunity. The way I going to tell you how to pursue it than going after a $20,000 or $200,000 startup opportunity. But we'll get to that in successive episodes. Tell all your friends to follow this episode series for 2025. I want you to become obsessed. This, this is why I became obsessed absolutely focused on financial literacy. I believe it's a civil rights issue of this generation. That's why I think it's one of the most radical thing I could do was to teach you financial literacy. And now I think that financial literacy is a civil rights issue of this generation. And I believe that AI literacy, artificial intelligence, AI literacy is the silver rights issue of this generation. And I want you to go from the streets to the suite, from the streets to the business suites. I want you to cut deals. I want you to get on that aspirational ladder. I want you to be the aspiration generation that I know you can be. But you're going to have to be obsessively focused on from a technical perspective, financial literacy. Because we live in an economic democracy, a capitalist democracy. The United States of America, the largest economy in the world, the sole superpower in the world is a capitalist democracy and a free enterprise democracy. Please hear me. And if you don't understand money. Pastor Andrew young, my mentor, Dr. King's right arm, the civil rights movement, the guy who built the biggest economy in the traditional south, the only international city in the south, the only mayor ever mentored by Dr. Martin King Jr said to live in a system of free enterprise and not to understand the rules of free enterprise must be the very definition of slavery. Can I get an amen? And what I've said is what you. It's what you don't know that you don't know that's killing you, but you think you know. Hello. So here we go. I'm going to now tell you why most people will never be successful. Now this is something that I've been. That I've had in my file since 2004. I believe it's a poem, if you will, a memo to self that was written by a gentleman by the name of Dr. Ben Hardy. Okay? And I want you to listen very carefully to this because this is how I live my life. When I say I want you to become reasonably comfortable in your own skin. When I talk about being high frequency, this is a phrase that I really first heard from, from my wife, Shaytra Bryant. But I want you to. I didn't living. I just didn't know what the phrase was, did not describe it. So I'm about to explain this to you. Please listen to this. Go back make notes and write this down. Listen to this podcast and hit reverse rewind. That's great thing about podcast, you can go back and listen to it again. Talk to your friends about this and unpack what I'm about to tell you. Success isn't just having lots of money. Many people with lots of money have horribly unhappy and radically imbalanced lives. Success is continuously improving who you are, how you live, how you serve, how you relate. So why won't most people be successful? Why don't most people evolve? The more evolved you become, the more focused you must be on those few things which matter most. Now I'm gonna pause here and say, this is me talking, not Dr. Harding. Please remember now. I think I really do believe people are dumb on purpose. Yes, I said it. I think you're stupid and dumb on purpose. You have a smartphone in your. In your hand. You never had more access to data and information easily obtainable in your life. Before you had a smartphone and AI, you had an Internet search, Google search. The library of the world is open to you. You. If I'm nosy about everything, Quincy Jones, how'd you get so smart? I'm just nosy as hell. I want to know everything about everything. Well, John O'Brien is nosy. God give you two ears and one mouth, so you listen twice as much as you talk. So if you. If you. If you're not successful today, you're, well, not successful. Sorry, that's separate. Because that is about choice, luck and opportunity and a few other things. But if you're dumb today, if you're stupid, you're stupid on purpose. Unless you have a mental illness or something that you can't control, you have some kind of a chemical imbalance, that's a different thing. But if you're a reasonable, sound mind. That's what I'm talking about. You know what I'm talking about. So what am I saying? Love is work. Non, love is laziness. Anti, love is evil. Evil exists, but it's very rare. Most people are just lazy. Intellectually lazy, financially lazy, spiritually lazy, emotionally lazy. They don't want to do the work. They want somebody else to do it for them. They want to subcontract the work. Well, only in the dictionary does the word success come before the word work, because it's alphabetical. Can I get an amen? You've got to do the work. There's no excuse for the work. There's no way around it. So doing the work's tough. Doing the work may be dealing with your pain, your drama, unhealing, unhealed nature of your 18 year old self or your 12 year old self whenever somebody abused or took advantage of you. You've got to make peace with that pain and turn it into promise. You've got to be committed to evolving every day and waking up tomorrow better than you were yesterday when you went to bed. That is my commitment to myself. I'm obsessed with it. That's why I love books and learning. Because once you learn and you can't, no one can take that from you. You don't unlearn it. Right. And once the Riverband is expanded, it never returns to its original size. The more involved you become, the more focused you must be on those few things which matter most. Yet as Jim Rohn has said, quote, a lot of people don't do well simply because they major in minor things. In quote, to be successful, you can't continue being with low frequency people long periods of time. I'm going to repeat that. To be successful, you can't continue being around low frequency people for long periods of time. I'm not judging anybody. It is what it is. I'm just, I'm not saying somebody's better or worse. I'm saying they're either high frequency, low frequency, a medium frequency. They're either highly evolved in critical thinking and do the work and all that stuff or they just. You figure out what low frequency is, you define it yourself. I think you got good common sense. Look around you. Eagles, buzzards, turkeys. Hello. You can't continue eating crappy food regardless of your spouse's or colleague's food choices. There's an old southern saying. No matter how much I love you, my son or my daughter, if I don't have wisdom, I can only give you my own ignorance. Hello. I'll say it again. No matter how much I love you, my son or my daughter, if I don't have wisdom, I can only give you my own ignorance. I can only give you what I've got. So out of. Please listen to me now. Out of love we pass down bad habits from generation to generation. Out of love we do that. Because what you don't know that you don't know that's killing you. But you think you know it's what you don't know that you don't know that maybe killing you, but you think you know so somebody can love you and give you bad advice. Hello. You can't continue eating crappy food regardless of who your spouse or colleagues foods choices may be. What they may be. Your day must consistently be spent on high quality activities. The more successful you become, which is balancing the few essential things parentheses, spiritual, relational, financial, physical in parentheses. This is balancing the few essential things in your life and removing everything else. The less you can justify low quality. I'll repeat that the more successful you become, the less you can justify low quality in your life before you evolve. By the way, it's a whole another I just love Quincy Jones. Again, he said the only worse than being alone is wishing that you were you can do better all by yourself. Before you evolve, you can. You can reasonably spend time with just about anyone. This is called youth. Young being a young person growing up having fun. Before you evolve as a child, you say you can reasonably spend time and justify spending time with about anyone you like. You can reasonably eat anything placed in front of you. Again, this is what children often do. Young people who are immature and not evolved. You know your body can absorb anything. At a young age, it appears you can reasonably justify activities and behaviors that are frankly mediocre. As your vision for yourself expands, you realize you have to make certain adjustments. You need to cut back on spending all of your money and time on crap and entertainment. You have to save more hello financial literacy and invest more in your education and your future. The more successful you become, the less you can justify low quality, the more focused you must become. The more consistently your daily behaviors must be high quality and increasingly higher quality. This isn't about perfection. It's definitely not about being busy all the time. Actually, the balance of true success involves what Tim Ferriss calls mini retirements or regular sabbaticals. I love this by the way, and I was doing this long before I read this. Just told me I was on the right track. Yet if your daily behaviors are consistently low quality, what do you expect your life's output to be? Let me go back now to these mini retirements or regular sabbaticals for a second. So I work my tail off. I work from can't see in the morning, I can't see at night. I. I believe an entrepreneur works 18 hours a day to keep from getting a job, frankly. Right. My middle name is work, but I've learned that my body and my brain needs a rest. I'm on travel now doing this podcast in Las Vegas because my friend Ed Bashen, the CEO of Delta, invited me and my wife to come out to support them as they support their as they celebrate their 100th anniversary and so and so forth. He's a friend. He supported Opera Chult's work. And I'm proud of him. So we left our sabbatical, we left our retreat, but with the family. Me and Shakespeare were on a family retreat, which I go on every six months to recharge. Because the world is discharging itself on you. Your world is maybe refueling you, but it can't re energize you. Okay, because the world, because gas comes from fuel, right? But you need energy source material, which means you need to step off the field sometimes and get quiet with yourself and recharge. I hope this is making sense. So I step off the field so I can re energize myself, read, reflect, go to the left side of my brain, analytical and dealing with tactics and strategies and doing things and the urgent. And I go from the urgent to the important. Important. I switch from the left brain to the right brain. Creativity and hope, well being, faith, you know, wellness, inner thought, consciousness exist and I. And I heal myself and I read books and I sleep long, take long naps and play in the water, the ocean, and let my body and soul heal so I can go back into the battle. Because capitalism is. Is a gladiator sport and I need full force to be able to deal with all that. So I step off for a retreat, which in this example is called a sabbatical. But I take mini retirements every night when I read a book or watch something silly on YouTube for 15 or 20 minutes before I go to bed. I take a mini retirement when I meditate at a stoplight or 15 minutes between meetings and I just go and sit of myself. I become quiet. But in order to do that, you got to love yourself. You've got to be reasonably comfortable in your own skin so that you enjoy your own company. You don't need everybody around you in order to justify who you are or to make you comfortable. I don't even know what the word, but I don't even know what people say when they're bored or they don't have time. I've got more things I'm interested in. I've got time to allocate to it. And I enjoy my own company, even though I really enjoy everybody else's company. Sweet. In this example I gave you of my friend Ed Bastion, we were on a retreat. He asked for us. He invited us to come to this. We stepped away from our retreat because we felt this was important. To come to spend a couple days with him and then in Las Vegas and we're out of here and we're back on a Retreat back on schedule, good habits, back into a quiet space. Because I know that once this year gets going, it won't stop. The light will come on, it won't go off. And the world will use you. And till you know, you say no. There's a lot of love in the word no. Love is not just yes. Love is also no. So that you can say yes later to the right things. High quality things. If your daily behaviors are consistently low quality, what do you expect your life's output to be? Your choices must become higher quality. Again, there's nothing this is about better or worse than somebody else. Everybody's equal, everybody's God's child. This is about you making quality choices and getting the toxicity out your life. Can I get an amen? This is about you saying, I can do better by my dang on self. If 2 plus 2 in a relationship does not equal 4, then what? Sorry? If 2 plus 2 does not equal more than 4, 6, 8 or 10, then what are you doing? What are you doing? You can do bad all by yourself. This is not in a relationship. It's not addition, it's multiplication. Two plus two should equal six, eight or 10. I've said it before, I'll say it now. A giver and a giver is exotic. A giver and a taker is neurotic and a taker and a taker is psychotic. And you want to ruin your, your potential to build income or create wealth. Hook up with somebody who's a leech, who's a. Who's sapping you and sucking you of energy and taking, taking, taking, taking, taking. And the Chief Criticism Officer, Chief Negativity Officer, Chief Toxicity Officer has nothing to give and nothing to offer. How draining can that be? How draining is that? Hello. Hopefully you're not looking to the left and the right of you right now going, hmm. Your choices must become higher quality. Your relationships must become higher quality. Quality. Every area of your life affects every other area of your life. Please hear me. I'm going to say it again. Every area of your life affects every other area of your life. Hence the saying, how you do anything is how you do everything. This is very high level thinking. It only makes sense for people who have removed everything from their lives they hate. I will repeat that this only makes sense for people who have removed everything from their lives that they hate, which includes toxic people too. Which means you may have that with your family. I'm not saying discard your family. I'm saying separate yourself from them on critical decisions and don't let them create a cancer in the core of your life. You can love your cousins and your family members without letting them overtake your thinking or make decisions for you. How can somebody make a decision for you when they're unqualified to do it? Are they successful? Do they have the relationships you like? Again, it goes back to trying to model that four square block celebrity that you admired and wanted to be thought to be cool by. I mean, what is it's cool paying you a mortgage or car note? Do you know there are no ugly billionaires? Don't get me started. This kind of thinking. I'm going to say again, this high level thinking only makes sense for people who have removed everything from their lives that they hate. To actually live this principle, your daily and normal life can only be filled with those things you highly value. I want this to be your aspiration when your days are filled with only those core essentials that means the world to you and is valued by you and you're succeeding in those few areas. Quality over quantity. You absolutely will dominate in all areas of your life because you're focusing on few areas of your life because the only things in your life are the things you highly value. Everything else has slowly been weeded out. You're living intentionally and congruently. You have momentum and balance. You're being who you truly want to be every single day. To actually do this not only takes time, but it is extremely hard to live and practice. I'm going to give you, I'm going to acknowledge that this is extraordinarily hard. What did I say? Love is work. Non love is laziness. Anti love is evil. Whatever you love is going to drive you absolutely crazy. You love your kids. You want to strangle them once, once a month. You love your husband wants a divorce. You know, once a year. You love your job, you love, you hate, you love your career. You love it. Okay, you want to quit, you know, once, once, at least once a year. Whatever you love is going to drive you a little nuts. It's okay. You love your country. You want to strangle your country. You want to divorce from your country sometimes, but you can't. You're stuck with it because it's all we got. We got to make it work. And we will. Because rainbows only follow storms. You cannot have a rainbow without a storm. First. You can't grow except through legitimate suffering. By the way, that's biblical. Saying no to great but irrelevant opportunities is hard. It's maybe a great opportunity, but may not be relevant to you, getting up bad habits is hard. Changing your belief system and expanding your vision takes courage. I said in my book Love Leadership. The courage is nothing more than your faith reaching through your fear. Displaying a selfless action emotional your life. Faith is courage is nothing more than your faith reaching through your fear. Display the selfish action in your life. Changing your belief system and expanding your vision takes courage. It's so easy to revert back to small and mediocre thinking. However, as you come closer to living on a daily basis with your values and ideals, amazing things start to happen. Happen. You'll feel happier. You'll be more present with those you love. I try to be again present at all times is what I call the present a gift. Yesterday's a memory. This is the work. The book the Power of Now by Eckhart Tolle. His philosophy Yesterday's a memory doesn't exist. Tomorrow's the future hasn't happened. Most people have one foot in yesterday, one foot in tomorrow, which is why they're not present, which is why they have anxiety in their lives. Once you have a presence in your life, once you live in the presence of your life, peace comes over you and you create more time. That's a whole other discussion for another time. You'll be more present with those you love. You spend more time. You spend your time better. You'll actually start investing your time versus just spending it. You'll pursue bigger dreams and ambitions. You'll be more resilient during challenges. You'll live at a higher frequency and everything around you will reflect that. But to repeat Jim Rohn's quote, a lot of people don't do well simply because they major in minor things. Said another way, most people are caught in the thick of thin things. Hence, most people won't be successful. Most people won't evolve and progress. But you will. You know it and you can feel it. You've already begun, and every day you're taking one step closer. Soon enough, you'll fully commit to being who you know you can be. Once you pass that point of no return, nothing will stop you. I want you to get up from this podcast with a renewed sense of somebodyness. I want you to know that you're God's child. I want you to know that he made you great. You don't approve it to anybody else. It's already there. What you've got to do is become reasonably comfortable in your own skin. Settle down and saddle up. Buckle up, because it's going to be a ride in your life. People thought they did you some disservice by not giving you attention, by ignoring you, by being indifferent to you. And what they did was set you free. Because it's a great thing to be underestimated and ignored. No one's paying attention to you. People for years didn't pay attention to me. They threw their nose up at me. They disrespected me. They said, oh, John Bryan, that capitalism, financial literacy. I'd go to the White House and White House officials, four honey. Administrations ago. I've known nine presidents, probably six presidents ago. Black men. Even though as Hambassadors. John Bryant, who's a Hambassador, I'd been made a goodwill ambassador for the United Nations Conference Retreat and Development under Geneva, Switzerland. So I was very proud of that. But he called me Hambassador. In other words, I'm just a ham. I'm just talking. It hurt my feelings. It was intended to hurt my feelings. That's okay. Haters just make you better again. Rambles after storms. Do you know that people call it Dr. Martin Luther King Jr. Martin Luther King. Martin Luther Kuhn, Uncle Tom, sellout wannabe. And those were his friends talking. He ignored the noise. And I'm telling you to ignore the noise. I'm telling you that I ignored the noise. I'm not gonna lie to you. It hurt my feelings. I put it in books. I've acknowledged it. It hurt my feelings. But what doesn't kill you makes you stronger. And it made me stronger. It made me resilient. I'd rather you respect me and learn to like me than like me and never respect me. So then when you like me, it's great, but it doesn't define who I am. And I want you to wake up tomorrow knowing that you can do anything you set your mind to. I want you to be a giver. I want you to be about. I want you to what you have to give, not what you have to get. I want you to be about relationships and not transactions. I want you to wake up and figure out what you have to uniquely give and contribute in this world and go about doing that thing. And when you do that thing, you become the best at it in the world. And that will create income and generate brand equity, meaning what your name is worth. And that will then create wealth. And wealth compounds or is created when you sleep. More education, more knowledge, more insight, better, you know, compounding stocks, bonds, investments, a growing organization, more employees, which will then ultimately in time set you free and give you opportunity to, well, have more high frequency conversations like this and get out of the urgent and deal with what's important. Don't never let the urgent crowd out the important. That's another conversation for another day. But today, take your life back. This is John Hope Bryant and this has been my discussion to you on becoming the transformational you in 2025 so you can live a life of wealth from the inside out. Tell all your friends about this podcast. Share this with everybody you know. Tell me. Go get the book Financial Literacy for all my other five books with them. Tell them to subscribe to this podcast and watch it outtakes on YouTube subscribe to my YouTube channel. Follow me on social media. Certainly subscribe to Money and Wealth and the Black Effect Network, other podcasts and on iHeartradio. Support those who are supporting you. Let's start a movement. Let's build ourselves from the shoulders up. Let's make smart sexy again. We've been making dumb sexy for way too long. We've dumbed down and celebrated it. It's time to make smart sexy again. Love and light John O'Brien I'm out money and wealth with John O'Brien is a production of the Black Effect Podcast Network. For more podcasts from the Black Effect Podcast network, visit the iHeartrade radio app, Apple Podcasts or wherever you listen to your favorite show. SA.

[Dr. Joy Harden Bradford]

SA.

[Unknown]

The new year is here and I'm trying to keep things simple this year. One thing to help me keep things simple is Amazon Prime. It's the cheat code to stay in locked in on whatever you need. It's not just fast delivery. Prime's a whole experience from Prime Video and Amazon Music to Prime Free one day delivery. It's got everything to keep my year stress free. Watching Thursday Night Football. Prime's got you with the same day snack delivery. Want to chill after the game? Find a movie on Prime Video and kick back with some Amazon music. Whatever you're into, it's on Prime. Visit Amazon.comprime now.

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[Dr. Joy Harden Bradford]

Hey y'all, I'm Dr. Joy Harden Bradford, host of Therapy for Black Girls. This January joined me for our third annual January Jumpstart series. Starting January 1st, we'll have inspiring conversations to give you a hand in kickstarting your personal growth. If you've been holding back or playing small, this is your all access pass to step fully into the possibilities of the new year. Listen to Therapy for Black Girls starting on January 1st on the iHeartRadio app, Apple Podcasts or wherever you get your podcasts.

[Questlove]

People, my people, what's up? This is Questlove. Man, I cannot believe we're already wrapping up another season of Questlove Supreme. Man, we've got some amazing guests lined up to close out the season. But you know, I don't want any of you guys to miss all the incredible conversations we've had so so far. I mean, we talked to Amerie, Johnny Mar Eve, Jonathan Schecter, Billy Porter, and so many more. Look, if you haven't heard these episodes yet, hey, now's your chance. You gotta check them out. Listen to Questlove supreme on the iHeartRadio app, Apple Podcasts or wherever you get your podcast.

[Nimini]

Hey y'all, Nimini here. I'm the host of a brand new history podcast for kids and families called Historical Records. Executive produced by Questlove, the Story Pirates and John Glickman, Historical Records brings history.

[John Hope Bryant]

To life through Hip Hop, Flash Slam, Another one Gone. Bash Bam.

[Charlamagne tha God]

Another One Gone.

[John Hope Bryant]

The Cracker, the Bat and Another One Gone.

[Nimini]

A tip but a each episode is about a different inspiring figure from history. Like this one about Claudette Colvin, a 15 year old girl in Alabama who refused to give up her seat on the city bus nine whole months before Rosa Parks did the same thing. Check it. Get the kids in your life excited about history by tuning in to historical records. Because in order to make history, you have to make some noise. Listen to historical records on the iHeartRadio app, Apple Podcasts or wherever you get your podcasts.