Coca Cola Representative (21:37)

The holidays are about spending time with your loved ones and creating magical memories that will last a lifetime. So whether it's family and friends you haven't seen in a while, or those who you see all the time, share holiday magic this season with an ice cold Coca Cola. Copyright 2024 the Coca Cola Company.

Pandora Jewelry Representative (21:59)

The.

John Hope Bryant (21:59)

Holidays are here, and it's that time of year to think about, yes, gifts, but not only gifts. It's the guests, the party planning, and the true meaning of the season. Spending time with family and friends. We know it's a lot, but we're here to ease your mind and share some tips. So we'll make it through together. With the season getting underway, now is the time to shop early for amazing holiday deals at Amazon. Amazon has a wide selection for all your holiday needs. The reason I love this so much is because it is the holidays. And there's things that I've had family members and friends ask me for throughout the year that I simply would not give them the money to get, but I will get them the actual items. So whether it's laptops, hair steamers, dining sets, makeup, better wigs for Lauren La Rosa, whatever it is they need, Amazon got it. So please remember that Amazon Black Friday Week is here with deals up to 40% off. Shop black Friday Week deals now on Amazon and visit Amazon.com black effect podcast for my favorite picks.

Home Depot Representative (22:58)

The holidays are officially here at the Home Depot, which means it's time to deck the halls and your home with festive cheer. If you're on the hunt for the perfect tree, we've got you covered. Explore our huge assortment of trees in all shapes, sizes and styles designed to fit any holiday vibe and every holiday budget. Like the Jackson Noble Fir, it's not only super easy to assemble, but it also comes Pre lit with 1200 color changing bulbs and multiple lighting functions. Or maybe the flocked starry light Frasier Fir is more your style. With over 1900 pre lit memory wire branches that hold their shape, this tree's ready to shine right out of the box. Whether it's trees, wreaths or twinkling lights, we've got everything you need to make your home holiday ready. So shop now@home depot.com and enjoy fast and free delivery on select holiday decor subject to availability. See home depot.comdelivery for details.

Diet Coke Representative (23:59)

You could sit there and listen to ads, or you could take a moment to have a Diet Coke break. First, grab a chilled Diet Coke because if you want it to be perfect, it needs to be crispy. Next, get a big cup of ice because everyone knows Diet Coke is best served swimming in ice. Then sip it slowly, feel that burn and enjoy your break for as long as possible. When you need a break, don't forget to grab an ice cold Diet Coke and take a Diet Coke break.

Pandora Jewelry Representative (24:28)

Proving trust is more important than ever, especially when it comes to your security program. Vanta helps centralize program requirements and automate evidence collection for frameworks like SoC2, ISO 27001, HIPAA and more. So you save time and money and build customer trust. And with Vanta, you get continuous visibility into the state of your controls. Join more than 8,000 global companies like Atlassian Flow Health and Quora who trust Vanta to manage risk and prove security in real time. Now that's a new way to GRC. Get $1,000 off Vanta when you go to vanta.comspecial. that's vanta.comspecial for $1,000 off Derek understood that he's a shareholder. Do you know that Black America as an Example is one of the largest consumer spending forces in the world. 1.6 give or take trillion dollars. But 90 plus percent of that is consumer spending consumption not consumer spending. Consumption is not going anything that renews itself or invests in itself. It's consumption. Right. We're just feeding the beast. Right. And 96% I believe it is off my memory of all black businesses are sole proprietorships. Right. You're not compounding that building that you're just a self employment project. Right. We're not dumb and we're not stupid. Is when the rules are published in playing fields level we kill it. We become experts. And where does that happen? Professional sports and the arts. Faith in community faith church politics. Where the rules are published in the playing fields level. We absolutely kill it. We succeed. But no one taught us the lessons of free enterprise. Capitalism's economics and opportunity and Derek young. Derek may be broke but he'll never be poor. There's a difference between being broke and being poor. Being broke is economic. Being poor is a disabling frame of mind. A depressed condition of your spirit. You must vow never ever ever to be poor again. It's okay if you don't like me. I like me. I really respect me and learn to like me than like me and never respect me. Or as Quincy Jones once told me not one out to my self esteem depends on your acceptance of me. Derek is an eagle. Even if he's surrounded by buzzers and turkeys. He may be broke occasionally that happens in life. But he will never be poor. Because he's been empowered with the civil rights issue of this generation financial literacy. Now he's become a stockholder. Do you know when you own one share of stock of any publicly traded company? Please listen to me now. One trade of share stock of any publicly traded company. You have the right to get financials and all the inside information from that company. One share of stock. So now we're going to switch from the story of Derek and the story of the kid who has become. Who started as a. As a young investor with the help of their parents and maybe their part time job and became by middle age a millionaire. And by the way if you want to double it up and put $400 a month and compounding 7% you can cut the time in half that that young kid of yours becomes a millionaire. But $40 a month is probably a heavy clip. That's a car note for somebody or a part of a car note. So I'm trying to be sensitive to the fact that these are working families. So 200amonth is something you could probably do. Let's now switch to a working class family then. I'm going to now switch to the big baller option to build real wealth before we stop this podcast episode. So now you're a working class person, right? The family makes $50,000 a year. And there's somebody in your family that you get along with who makes 35,000, $38,000 a year with three kids. Okay, so slow down. This is the average family, by the way, working class family. So you make $50,000 a year. I'm going to show you how to become a millionaire in about five to eight years. Okay? So I want you to do what my mother did. My mother died, God rest her soul, a millionaire. When she passed away, she had worked an hourly job. Juanita Smith, she's in the book financial literacy for all. Read about her high school education. Got her high school equivalency when she was 60 plus years of age. Walked with those with cap and gown and 18 years of age just to prove she could do it. This is a bad woman. Credit score 854. Okay, hourly job now. So I want you to buy a home. Number one way you build wealth in America is home ownership. Don't buy a mini mansion. Don't buy something fancy. Stop trying to impress people who you don't know with money. You don't have to discuss it and brag about things that don't matter with people you have no clue if you'll ever see again and doesn't really care. It shouldn't matter to you whether you impress them or not, right? I want you to buy a home and I want you to live in it, right? And after a couple, three years, I want you to take a modest line of credit out and buy another home in a working class neighborhood. I want you to buy the worst house on the best block. And now your cousin or sister or brother or somebody you know makes 38, 35, $38,000 a year with three children. I want you to cut a deal with them to start a limited liability corporation document. This business is not personal. Keep it business. You're. You're going to say to them, do you know about the eitc? They're going to say, what's that? You're going to say, congratulations, you've just got a check. Because if you have never heard of EITC and you make less than $60,000, $65,000 a year, the government owes you a check for working in this example, I'm hitting a Sweet spot of $38,000 a year in income and three children. 35, 38,000 a year in income and 3 children. That person gets a check of between 6 and 7,500. $6,070 $500 cash. It's called the earned income tax credit. My coaches at Operation Hope can help you through the VITA sites and through Operation Hope to amend or file your tax returns so you can get this payment and make sure it goes into a bank account, an FDIC insured bank. Okay, now you turn to your cousin and you say, now you never heard of EITC before? Nope, never heard of it before. Great. Congratulations. Because it's retroactive for three years. So if you've never filed, you get up to three years of that. So three years time. Let's keep a simple number. $6,000. That's $18,000 rounded up to $20,000. You have just under $20,000 and you're going to use that as a down payment for this house. In the southeast region, you can buy a house that is, that needs rehab for, you know, $60,000. Still, even if it's $100,000, you have more than 10% required for a down payment. You know, buy the house, you can get a rehab loan, hopefully. Are you going to use this earned income tax cutting money credit money I'm talking about? And there are other funds that are available to you that through financial literacy education, you'll learn about when you talk to my coaches, you're going to take this money and you're going to, you're going to reap in you and members of your family, hopefully on the weekend or you're going to. And. Or you're going to get a proper construction loan and get vendors. Proper vendors, not your cousin Jojo. Right. Somebody who's qualified to rehab this property with minority vendors. So you're reinvesting the neighborhood. You're going to rehab it and you're going to rent it. And make a long story short, over a period of time, six years in this example, you're going to do that twice. You own your own home and you buy two properties in the worst house in the best block. You're going to rehab it and rent that property and hold it, do not sell. And you get a will, a one page will, a good place to start. And you can get a life insurance policy. As a young couple or young person doing this, you can get a life insurance policy if you're in decent health for a term policy, you can get whole life. But a term policy will cost you $10, $25 a month. Even as much as a million dollar policy you can get for less than $100 a month. Probably more like $50 a month if you're in decent health. I've heard as low as $25 a month. Somebody in really young person in good health. And you don't know how long you going to live, but you dang sure, no, you're going to die. What's the mystery? So you're going to make a million times two because you're going to be a worth a million dollars of net worth irrespective of the job that you're working based on the real estate value, the appreciation and net equity in the properties that over time, right? So within a decade, without question, you'll be a millionaire. And when you pass on the glory, at some point you will because you have a life insurance policy and a will you're going to bestow upon your children or those you love, a mother or whoever you're trying to hook up, wife, et cetera, husband, a million dollars of life insurance policy, in this example, generational wealth. Okay, I've even gotten to the good part though. So I've given you now two, three strategies, right, that are very practical. This is the power of financial literacy. Now here's the last one and I want anybody who's really. Those who I really want to pay attention to this are the strivers, those who want to be small business owners, those who want to be entrepreneurs, those, those with high ambitions to not just, you know, have a live a middle class life. They want to build, they want to write the check, not just cash it. Somebody making six figures who has been able to put a little bit aside, they don't want to work for the man anymore or the woman, right? I want you to hear what I'm saying. There's a silver tsunami coming your way. Listen now write this down. A silver tsunami. You've heard me talk about the silver rights movement from the streets to the suites, from civil rights to silver rights. This is a different kind of silver. By the way, did you know that the first backer of currency in America was not gold? The first backing currency was silver. Little factoid for you. It went from silver to gold and then it went. We got off the gold standard and now US currency is backed by the full faith in currency of the US government, which means America, which is the only flight to quality currency in the world, is a big baller shot caller. Everybody wants to Invest in America and have American currency. I don't care what anybody tells you. We are where China and Russia. Everybody's complaining about us. They want to be us. And they're buying. Once the TV cameras turn off, Putin and all those people are buying assets in America. And I want you to understand the value of the thing that everybody else wants. And we're looking right past. So here you go. Please write this down. I've written this extensively about this extensively in the business plan for America. You can look it up online. All the statistical data is in there. You can download it, read my Time magazine op ed where I talk about inclusive economics as a software upgrade on DE and I. Here we go. Within this generation, you're going to have for the first time in history, a majority of individuals, adults over the age of 65. It's never happened. These are baby boomers. Read. White, wealthy and trying to retire. They're all heading out the door at the same time. They all want to go play golf and vacation at the same time. 70 to 75 million baby boomers are coming of age. They're tired, they're exhausted, they're worn out. They're just. They want to change their scenery, change their mind. They may not want to retire, but they want to rewire. They want to go do something else. And those folks who, the vast majority of those who created wealth and have high incomes who are retiring all at the same time in this demographic bomb that's about to go off in the next decade. This is happening in the next 10 years. And also I say in the business plan for America, 40% of this country today is black and Brown. And within 10 years, it'll be a majority of minorities. And if we want to continue to be the sole superpower in the world and the biggest economic force in the world, those two things have always gone together. By the way, you never had a superpower that wasn't the economic power in the history of the world. If we want that to happen, then our rich friends need might make sure that our poor friends do better, if only to stay rich. I said that in my book how the Poor Can Save Capitalism. I think that was my third book. My rich friends need my poor friends to do better, if only to stay rich. I'll go one step further. The racist even needs black people to succeed, if only because gdp, gross domestic product rises, lifts all boats, even the racist benefits and wins when black people succeed. So why is that important? Because this demographic shift is happening in a way and at a time where everybody who's built wealth and it's created great incomes are sort of walking off the stage at the same time. And the people coming on the stage haven't been given the memo on money and wealth creation. You make money during the day, you build wealth in your sleep. Have not been taught financial literacy, the civil rights issue of this generation. Have not been given the tools to go from the streets to the suites. Have not been empowered to become owners of things that actually generate real wealth. You can make more money on money than you can ever make on labor. That's a word that's, as my friend TI would say, say less. You can make more money on money than you can ever make on your labor. So that's a podcast for another time when I will peel that back. The silver tsunami is this. Please tell all your friends, please write this down. 70 to 75 million millennials retiring all the same time. America has about $150 trillion of combined wealth, more wealth than any place in the world. 150 trillion, 50 trillion of that created in the last 20 years. Please listen to me. So in the history of America, $150 trillion of combined assets, of equity, of net worth of wealth, $150 trillion of wealth. And 50 trillion of that 150 trillion was created since the year 2000. So the last 24 years, a massive increase. And at the same time, you've had this huge wave of millennials who are reaching the age of 65 years of age and they're about to walk off the stage at the same time. And there's going to be a tsunami of 68 trillion to $100 trillion of wealth transfer in the next decade. When that happens, those who own this wealth, who hold it, my guess is, are going to bestow through inheritance, the house or homes, the stocks, the bonds, the cash, going to give it to those that they love. When they turn around to say, and here's our business, the kid's going to say, no, no, no, we're good. We don't want that. That's work. It's an old saying that applies. First generation makes it, second generation spins it, third generation loses it.

Coca Cola Representative (40:20)

The holidays are about spending time with your loved ones and creating magical memories that will last a lifetime. So whether it's family and friends you haven't seen in a while, or those who you see all the time, share holiday magic this season with an ice cold Coca Cola. Copyright 2024, the Coca Cola Company.

Pandora Jewelry Representative (40:42)

The.

John Hope Bryant (40:42)

Holidays are here, and it's that time of year to think about. Yes, gifts. But not only gifts, it's the guests, the party planning and the true meaning of the season. Spending time with family and friends. We know it's a lot, but we're here to ease your mind and share some tips so we'll make it through together. With the season getting underway, now is the time to shop early for amazing holiday deals at Amazon. Amazon has a wide selection for all your holiday needs. The reason I love this so much is because it is the holidays and there's things that I've had family members and friends ask me for throughout the year that I simply would not give them the money to get. But I will get them the actual items. So whether it's laptops, hair steamers, dining sets, makeup, better wigs for Lauren La Rosa, whatever it is they need, Amazon got it. So please remember that Amazon Black Friday Week is here with deals up to 40% off. Shop black Friday Week deals now on Amazon and visit Amazon.com black effect podcast for my favorite picks.

Home Depot Representative (41:41)

The holidays are officially here at the Home Depot, which means it's time to deck the halls and your home with festive cheer. If you're on the hunt for the perfect treat, we've got you covered. Explore our huge assortment of trees in all shapes, sizes and styles designed to fit any holiday vibe and every holiday budget. Like the Jackson Noble fur, it's not only super easy to assemble, but it also comes Pre lit with 1200 color changing bulbs and multiple lighting functions. Or maybe the flocked starry light Frasier fur is more your style. With over 90 pre lit memory wire branches that hold their shape, this tree's ready to shine right out of the box. Whether it's trees, wreaths or twinkling lights, we've got everything you need to make your home holiday ready. So shop now@home depot.com and enjoy fast and free delivery on select holiday decor subject to availability. See home depot.comdelivery for details.

Diet Coke Representative (42:41)

You could sit there and listen to ads or you could take a moment to have a Diet Coke break. First, grab a chilled Diet Coke because if you want it to be perfect, it needs to be crispy. Next, get a big cup of ice because everyone knows Diet Coke is best served swimming in ice. Then sip it slowly, feel that burn and enjoy your break for as long as possible. When you need a break, don't forget to grab an ice cold Diet Coke and take a Diet Coke break.

Coca Cola Representative (43:10)

What does it feel like to get the new iPhone 16 Pro with AT&T next up anytime? It's like when you first pick up those tongues and you're now the one running the grill. It's indescribable, like something you never felt before. All the mouth watery anticipation of new possibilities, whether that's making a perfect cheeseburger or treating your family to a grilled baked potato which you know will forever change the way they look at baked potatoes. With AT&T. Next up Anytime you can feel this way again and again. Learn how to get the new iPhone 16 Pro with Apple Intelligence on AT&T and the latest iPhone every year with ATT. Next up anytime ATT connecting changes everything. Apple Intelligence coming fall 2024 with Siri and device languages set to US English. Some features and languages will be coming over the next year. $0 offer may not be available on future iPhones. Next up anytime features may be discontinued at any time subject to change additional fees. Terms and restrictions apply. See att.com iPhone for details.

Pandora Jewelry Representative (44:15)

This is the second generation and they want to spend it. They don't want to work. I'm not saying they're lazy. I'm saying they, they want to benefit from their parents activities. They want to enjoy their lives. Most of them are going to want to to run these businesses. Occasionally they will but that's going to be 15 to 20%. Please listen to me. This is a gold mine. 15 to 20% of this tsunami of a hundred trillion dollars just put the number right in the middle is are going to be businesses that are going to transfer that want to transfer and there's no place to transfer them to. Listen to me now they have cash flow, they are profitable. They have employees, they have a customer list. Many of them own real estate. They have inventories, they have distribution networks. They've got patents, they've got intellectual property rights. I'm getting excited. They have a brand for the company. They exist. It's a million dollar business, a five million dollar business, a twenty million dollar business, a $200 million business. Occasionally there'll be a billion or two billion dollars privately owned business and the kids don't want it. They have got to provide liquidity for their inheritance so they can go play golf. They're going to have to sell that business and it is much easier. Please listen to me right my people at 1 million black business initiative can help you with this. My people would hope inside our business hope inside locations. We have 1500 locations across the country. My hope financial coaches can help you with this. The U.S. small Business Administration, our partner can help you with this. They're actually they'll be part of the Financing, I'm talking about here in a minute. But you want to buy these businesses. If you're a black business owner, as I said earlier, 96% of all your businesses don't have an employee. It's hard to finance that. I'm not saying give up on that business. Please hear me. I'm not saying don't start a business. I've started businesses. I get it. If you want to start a business, then you go start a. You want to be a startup entrepreneur, then you go do that. You want to be a startup small business owner, you go do that. And yes, there's a difference between a business owner and an entrepreneur. A business owner has an existing business plan, like a franchise. They're modeling an existing business plan. An entrepreneur is a crazy person like me doing something extraordinary and different out of the box and normally fresh and new. Creating value out of nothing. It's a French word. Build something out of nothing. That's a word I learned when I was nine years old in financial literacy class in Compton, California, at El Segundo and Colin B. Kelly Elementary School with that banker. Please hear me. It's much less risky, multiple times less risky to buy an existing business than it is to start a new one. Okay, if I haven't gotten your attention yet, please listen to me. It is really hard to get somebody to fund a $200,000 dream. You may have to use your own savings for that startup or that restaurant or that business or whatever it is you want to do. I'm not saying don't do it. I'm saying it is multiple times harder to get financing or support for a $200,000 business or a $20,000 business even, than it is to buy an existing, profitable $20 million business. Yes, I said it. Let's make it. Let's put it. Let's make it even more relatable. Maybe that green dream was too big for you. Listen to me. There's a $2 million gas station, a $2 million convenience store, a $2 million restaurant, a $2 million distribution center business in your neighborhood. It'll be for sale. $2 million. Okay. And if it has, as I mentioned in a recent podcast with one of my new friends, who's an investment banker, private banker, a private equity guy. If the business has a million dollars in revenue, then you make an offer for it for that business for 900,000 or a million dollars. Give you some quick rules of thumb. If the business has $100,000 of net profit, net profit, net of EBITDA anyway, net profit, you might offer up to 10 times net cash flow to buy that business, but that's getting into the weeds. An investment bank or a broker or business broker, my team can help you figure out what's the best way to figure out the purchase price for a business. But the seller is going to tell you what they want for the business. The seller's running the business. They've gotten advice and accountant from their accountants. They know what they want. But whatever that number is, if it's a reasonable number, and certainly if you can discount the number a little bit, 10%, 20%, 15% off, you can get off that purchase price off of the appraised value or the estimated value of that business. And you go to a private equity firm, you go to a venture capital backer, a venture backer, they maybe even I will back you. Inquiring that business on non recourse debt, meaning you don't personally guarantee it. If you start that $20,000 business, $200,000 startup business, that's your cash, that's your, if you get a loan, it's personally guaranteed. I'm not telling you not to do it and you may lose everything. I'm not telling you not to do it. I'm telling you that all this existing stuff is about to hit a tsunami of opportunity, is about to hit the market all at the same time with no place to go, no buyers, the kids don't want it and they're profitable businesses and Wall street will finance it. This is where I tell you about your credit score, right? If you have a great credit score, you've got great. The word credit comes on the Latin word credito. Credibility is what it means. That's what it comes credit credibility. If you have credibility, if you got good credit, right, Folks will back you. If you have your good reputation, good credit, right? You understand capitalism, which comes from the Latin root word capitas, knowledge in the head, that's where it comes from. Then they will trust you with their capital. Banking is a trust business. So if you have good credit, you can tap capital by showing that you understand capitalism and free enterprise financial literacy, then capital sources within trust you and you show that you're a good manager and you can lead an enterprise, they will trust you, put you right at the top of an existing business, acquire that business, which you then own. If you're interested in this, you can check out resources like Biz, Buy, Sell and other industry specific brokers of businesses to find mature businesses for sale. You can, you can look at financing through The United States Small Business Administration. My friend Administrator Guzman, who I just saw this week, who is fantastic, and her team at the SBA. You can look at CDFIs, Community Development Financial institutions in your neighborhood who might finance acquisitions like this, and private equity partners and private equity firms like my company and others. I'm not telling you to come to me. I tend to finance my own stuff. I'm telling you. I'm saying that if you want to understand what I do, it's private equity. I just finance. I tend to happen to back my, my own things and my own businesses. Of course, I backed Operation Hope, which is a nonprofit. Make sure you get into a mentoring program. Engage with minority business development organizations like Operation hope, like the SBA Score Program for guidance, conduct due diligence, meaning check out this and do proper analysis on the business that you're thinking about buying and never give up. Now I'm going to drop the mic. I'm going to stop here. I've given you a half dozen strategies now on how you can build wealth practically. I laid it all out for you. But it all starts with financial literacy. Financial literacy is a civil rights issue of this generation. When you know better, you do better. And when you don't know better, you can't do better. We're not dumb and we're not stupid. It's what we don't know that we don't know that's killing us, but we think we know is an old Southern saying. If you don't have wisdom, then all I can give you is my own ignorance. Out of love. We pass down bad habits from generation to generation is what we don't know that we don't know that's killing us. But we think we know. So let's get in the know. Let's empower ourselves to transform our lives through wealth accumulation, wealth creation. That let's get money and have our freedom. Turn that money into wealth, sustainable wealth. Let's master this game. Evil. Money's not evil. It's the love of money that's evil. The money is mentioned 2000 plus times in the Bible. Nothing's evil about this. You got to understand this. Because even if you want to distribute money like a socialist, like a do gooder, which is great, you have to first collect it like a capitalist. Drop the mic. John O'Brien this is money and wealth on the Black Effect Network podcast series on iHeartRadio. And I encourage you to tell your friends to follow this podcast. I encourage you to buy the book Financial Literacy for all I Encourage you to call Operation Hope or download the Hope at Hand app and tell them that I sent you and get your $1,000 scholarship for initial coaching and counseling through one of my HOPE Financial coaches. Tell them that I sent you. I encourage you to open a bank account for your child as early as you can. And don't just buy them a toy they're going to break at birthdays and Christmas. Buy them a share of stock. There are companies that actually print a share of stock and you can put it up on your wall. On the kids wall is not a painting, it's not a photo. It's a real stock certificate that represents the stock that they own. You can buy them a share of stock through this company, through companies like, you know, these companies that gift where you can gift a share of stock to a kid and they will send you a framed stock certificate for their wall. And that stock certificate then gives that kid a nu rights to all the financial information information for that company, publicly traded company. Think about how that empowers that kid and that stock, which the kid now can. They can trade and sell it, but they can also track it for the rest of their life and use that as a baseline of conversation for financial literacy. All right, so I hope that you've enjoyed this. This has been a blast. I've been honored to share a little bit of my knowledge with you and I've got some special stuff coming up in the next couple episodes. So tell all your friends about this. Get the book Financial Literacy for all and let's start a movement that that started in the streets with civil rights and ends up in the business suites cutting deals with silver rights. The new color is not black or white or red or blue. It's green. I want you to have some. 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 iHeartRadio app, Apple Podcasts or wherever you listen to your favorite shows.

Coca Cola Representative (57:27)

The holidays are about spending time with your loved ones and creating magical memories that will last a lifetime. So whether it's family and friends you haven't seen in a while or those who you see all the time, share holiday magic this season with an ice cold Coca Cola. Copyright 2024 the Coca Cola Company Company.

John Hope Bryant (57:48)

The holidays are here. It's that time of year to think about, yes, gifts, but not only gifts. It's the guests, the party planning and the true meaning of the season. Spending time with family and friends. We know it's a lot, but we're here to ease your mind and share some tips so we'll make it through together. With the season getting underway, now is the time to shop early for amazing holiday deals at Amazon. Amazon has a wide selection for all your holiday needs. I don't care if you want to get your people's laptops, gaming screens, whatever it is they need. Amazon got it. So please remember that Amazon Black Friday Week is here with deals up to 40% off. Shop black Friday Week deals now on Amazon and visit Amazon.com blackeffectpodcast for my favorite picks.

Pandora Jewelry Representative (58:29)

Ready Set Shop the Black Friday sale.

Diet Coke Representative (58:32)

At Ulta Beauty is on up to 50% off. The best gifts now through November 30.

Pandora Jewelry Representative (58:37)

Starting Tuesday, November 26 snag twelve dollar mascaras from brands like Fenty and Tarte.

Diet Coke Representative (58:43)

Plus twelve dollars lippies from brands like Nars and Kylie Cosmetics. But of course I had to show.

Pandora Jewelry Representative (58:48)

Out with the Mac Maximal Silky Matte Lipstick. Then I topped that off. I love a little glitter with the.

Diet Coke Representative (58:53)

Morphe Shade Thrower Eyeshadow palette.

Pandora Jewelry Representative (58:56)

Get all the best gifts all at Ulta Beauty.

Diet Coke Representative (58:59)

You could sit there and listen to ads or you could take a moment to have a Diet Coke break. First, grab a chilled Diet Coke because if you want it to be perfect, it needs to be crispy. Next, get a big cup of ice because everyone knows Diet Coke is best served swimming in ice. Then sip it slowly, feel that burn and enjoy your break for as long as possible. When you need a break, don't forget to grab an ice cold Diet Coke and take a Diet Coke break.

Amazon Representative (59:29)

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