Hunters, Skinners, and Cooks: The Hidden Architecture of Wealth

Summary

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Podcast Summary

Money And Wealth With John Hope Bryant

Episode: Hunters, Skinners, and Cooks: The Hidden Architecture of Wealth
Date: December 27, 2025
Host: John Hope Bryant
Network: The Black Effect and iHeartPodcasts

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Episode Overview

This episode, “Hunters, Skinners, and Cooks: The Hidden Architecture of Wealth,” explores the essential roles and mindsets required to build and sustain wealth—both individually and within families or organizations. John Hope Bryant shares “Straight Talk” on how adopting the right mindset, fostering strong relationships, and focusing on structured roles are critical to transitioning from survival to prosperity, especially within the Black community and other underserved groups. He breaks down common myths about money, the importance of mindset over circumstance, and delivers a masterclass on the “Hunter, Skinner, Cook” framework for lasting wealth.

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Key Discussion Points & Insights

1. The Power of Mindset in Building Wealth

• Bryant distinguishes between being ‘broke’ and being ‘poor’:
  • “Being broke is economic, but being poor is a disabling frame of mind, a depressed condition.” ([03:47])
• Poverty is primarily a mindset (beyond basic needs):
  • All forms of poverty, other than sustenance—food, shelter, health care—are ultimately rooted in mindset, not material resources. ([04:39])
• On why simply giving money doesn’t solve poverty:
  • “If you give a homeless man...a million dollars and do nothing else, they’ll be broke in six months.” ([06:03])
  • The “wealth builders will have it back” if you distribute all money equally, unless people’s mindsets change. ([07:19])

2. Myths About Capitalism and Money

• Capitalism is not inherently bad; bad actors are:
  • “Good capitalism is why I benefit and you benefit more. Bad capitalism is where I benefit and you pay a price for it.” ([08:42])
• Money is a tool—not evil in itself:
  • “Money is not evil. It’s the love of money that’s evil.” ([08:24])
• Bryant urges listeners to detach from harmful narratives that demonize wealth-building in the community.

3. The Foundation of Relationship Capital

• Choose partners and friends who add value:
  • “When I say don’t hang around with broke people, I’m not talking about money...I’m trying to get you out of a poverty mindset.” ([03:35])
  • “You can do bad all by yourself. Two plus two in a relationship should not be addition; it should be multiplication.” ([17:26])
• Types of relationships:
  • Giver + Giver = “exotic”
  • Giver + Taker = “neurotic”
  • Taker + Taker = “psychotic” ([22:57])
• Surround yourself with positive, ambitious people.
  • “Hang around nine broke people, you’ll be the tenth.” ([23:54])

4. The Hunter, Skinner, Cook Framework: The Hidden Architecture of Wealth

• Three Essential Roles:
  • Hunter: Finds opportunity, creates momentum, secures the “bag.” Strengths: vision, growth, sales, risk-taking. Weakness: chaos, overspending, big ego. ([28:06])
  • Skinner: Protects and manages resources, plans, budgets, analyzes, keeps things sustainable, manages risk, oversees credit. ([43:02])
  • Cook: Delivers excellence, execution, ensures outcomes, celebrates and builds reputation/culture. Often underappreciated but crucial for turning plans into reality. ([45:33])
• Families, businesses, and communities thrive when these roles are clear and respected:
  • “Nobody eats if everybody hunts. Nobody builds wealth if nobody manages the money, and nobody succeeds long term if nobody delivers excellence.” ([36:21])
• Real-life analogy & case study:
  Bryant references the Bernard and Shirley Kinsey family for how one earned and one invested, building generational wealth. ([38:05])

5. Relationship Dynamics and Alignment

• Avoid relationship imbalance:
  • “What you cannot have is just somebody who just spends the money.” ([35:32])
• Importance of complementary roles in family and business:
  • “If you have both people who are alphas...you create an inferno. What you need is a little positive heat and the right balance.” ([42:27])
• Credit score as a metaphor for trust and hope:
  • “Credit is a trust score...a high credit score allows you to access prime capital.” ([44:03])

6. Integrity, Credit, and Character

• Defining key concepts:
  • “Credit comes from the Latin ‘credito,’ which means credibility. Has nothing to do with money.” ([54:59])
  • “Banking is a trust business. None of those three things actually has anything directly to do with money.” ([54:59])
• Bryant urges striving for resilience and integrity over perfection:
  • “A saint is a sinner that got up. Just do the best you can.” ([55:50])
  • “Failure is information, not a verdict.” ([57:39])

7. Action Steps and Lasting Lessons

• Curate your circle:
  • “Look at your circle. Who gives in your circle? You want more of them. Who takes? You want less. Who drains you? You want none.” ([63:10])
• Wealth is built, not lucked into:
  • “Wealth isn’t luck. It’s structure, character, and discipline repeated over time.” ([66:17])
  • “You make money during the day, you build wealth in your sleep.” (quote attributed to Tony Ressler, [66:33]**)
• Final exhortation:
  • “Stop trying to impress somebody you don’t want to be like. Eagles don’t fly in packs… you are either an eagle or an eagle-in-training.” ([69:50])
  • “Wealth is not just about money. It’s about alignment.” ([63:00])

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Notable Quotes & Memorable Moments

• On poverty and mindset:
  “Being broke is economic, but being poor is a disabling frame of mind, a depressed condition… You must vow never, ever, ever to be poor again.”
  — John Hope Bryant ([03:47])

• On the futility of just giving money:
  "If you give a homeless man or woman a million dollars and do nothing else...they'll be broke in six months."
  — John Hope Bryant ([06:03])

• On relationships:
  “You can do bad all by yourself. The late Quincy Jones… once told me, John, the only thing worse than being alone is wishing that you were.”
  — John Hope Bryant ([17:26])

• On structure and roles:
  “Nobody eats if everybody hunts. Nobody builds wealth if nobody manages the money, and nobody succeeds long term if nobody delivers excellence.”
  — John Hope Bryant ([36:21])

• On compounding and relationships:
  “A giver and a giver leads to compounding of trust and growth. A giver and a taker leads to burnout… A taker and a taker leads to collapse.”
  — John Hope Bryant ([50:37])

• On resilience and self-worth:
  “When you’ve got the power, you don’t need to use it ... If I don’t love me, I don’t have a clue how to love you ... You can’t give what you don’t have.”
  — John Hope Bryant ([68:09])

• On eagles vs. buzzards:
  “Eagles don't fly in packs...Eagles are high altitude birds. Buzzards love packs, and...low altitude birds shoot at the eagles when they can't be like them.”
  — John Hope Bryant ([69:50])

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Key Timestamps

• [02:10] – Bryant opens, emphasizing mindset
• [03:35] – Broke vs. poor and the power of mindset
• [06:03] – Why simply giving money isn’t enough
• [08:24] – The truth about capitalism and money
• [17:26] – Relationships as multipliers and the Quincy Jones story
• [22:57] – Three types of relationships: giver, taker, exotic/neurotic/psychotic
• [28:06] – Explanation of the “Hunter, Skinner, Cook” framework
• [35:32] – Relationship pitfalls: spenders vs. managers
• [42:27] – On balancing “red” (hunter) and “blue” (skinner/cook) energies
• [44:03] – Credit score as holistic trust indicator
• [54:59] – Integrity and the real meaning of credit and capitalism
• [63:10] – Curating your circle and focusing on alignment
• [66:17] – Closing wisdom: structure, discipline, and the formula for wealth
• [69:50] – “Eagles don’t fly in packs”—choose your role and your circle

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Takeaways for Listeners

• True wealth comes from shifting from a survival to a winning mindset.
• Structure matters: wealth is built with the right mix of roles—hunter, skinner, cook—whether in a family, business, or community.
• Relationships are fundamental—seek compounding, not draining dynamics.
• Your credit, resilience, integrity, and purpose are central to your financial destiny.
• Don’t chase money or external validation; focus on alignment, discipline, and legacy.

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John Hope Bryant closes with encouragement and clarity:
“You can do anything you want to do in this world if you apply yourself—and I believe you will. Enjoy your week and make it spectacular." ([71:52])

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For more, revisit past episodes or Bryant’s books—he’s crafted an “encyclopedia of knowledge” for building wealth, mindset, and confidence.

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Transcript

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[John Hope Bryant]

So you're telling me that the AI that's meant to make everyone's job easier to manage just adds more to manage. On top of the thousands of apps the IT department already manages? Funny how that works. Any business can add AI. IBM helps you scale and manage AI to change how you do business. Let's create smarter Business. IBM. Enterprise leaders are revolutionizing their marketing operations with AWS AI. This proven technology turns resource intensive advertising processes into intelligent autonomous systems that deliver real time optimization on a global scale. Amazon's own transformation journey shows the true power of enterprise AI innovation. And now your organization can tap into the same technology that drives Amazon's advertising success. AWS AI Where Advertising Meets Intelligence Discover the Amazon ad [e-mail] AI our story welcome to Money and Wealth with John Hope Bryant, a production of the Black Effect podcast network and iHeartradio. Here in the United States and around the world. Welcome to my next episode and thank you for making this one of the most popular entrepreneurship and business podcasts in the country and by extension, around the world as well. Okay, let's get into this week's topic. This is a powerful topic about mindset that's going to connect with money. A part, a large part of getting you into the right zone so that you can score is getting you out of the wrong lane so you don't end up in a ditch. So I want to first start by talking about why I talk about certain things in my speeches and my straight talk live videos on social media, the short clips. Why talk about certain things in interview? To bluntly dispel myths that I believe are hurtful to you and those you love and our community broadly define. Our community, our family broadly defined, the human family, our specific families that keeps you from winning. I want you to knock it off. I want you to stop doing things that are dead ends and to start doing things that are bridges, that are highways, that are byways, that are freeways, that are on ramps to your prosperity. And so that just sometimes means dealing with blunt truths. And when I say don't hang around with broke people, I'm not talking about money. I've been broken. I, I have been in places. I mean, I was homeless, right? My, my mom and dad did not have money. Many times they divorced over money. They were broke, but they wasn't. They weren't poor, right? There's a difference between being broke and being poor. Being broke is economic, but being poor is a disabling frame of mind, a depressed condition. Your spirit. You must vow never, ever, ever to be poor again. I'm trying to get you out of a poverty mindset. I'm trying to get you from hanging around people who are broken in spirit because they see the glass of life as half empty and you need to see it as half full. Because whether you believe you can or whether you believe you can't, you're absolutely right. Mindset matters. In fact, here's another egg I'm going to break all forms of poverty other than what I call sustenance, poverty, roof over your head, food on the table and reasonable health care, which I believe almost should be just human rights, things that everybody should make sure are provided to them by society, by our governments, by our infrastructure, all other forms of poverty beyond that, our mindset. Assuming that you're capable and able bodied. Of course if you are disabled, you have a handicap, you have some limitation, then that's a different situation than family, society, others, love, friends, loved ones have a responsibility to help you if you cannot help yourself. But we're talking here about presumably able bodied, self directed individuals. So all forms of poverty other than sustenance, poverty, roof over your head, reasonable health care, food on the table, et cetera, all other forms of poverty or mindset. That's why I have said if you give a homeless man, and I've been homeless by the way, I was economically homeless when I was around 18 years of age. If you give a homeless man or woman a million dollars and do nothing else, change nothing else, they'll be broke in six months. It sounds controversial. It sounds, I guess, cruel. It's not cruel. It's me just saying this is a desk. I'm just talking about a material fact that, that your, your arms, your legs, your movements, your decisions are going to follow your mindset. Okay, somebody says I'm going to break another egg here. Well, John, stop talking about all this capitalism stuff. Just give me the money. I have two things to say about that. Don't talk to me about capitalism, free enterprise, self determination, just give me the money, John. All right, let's try that. Number one, take all the wealth in the world, mine and others that's been hard worked for and, and developed through mindset and, and, and you know, hard work and industry and achievement. Let's take all the wealth in the world and all the wealth creation in the world and just give it away to everybody, distribute to everybody in the world equally. And what will happen in three to five years the wealth builders will have it back. Because if nothing changes here in your mind, nothing's going to change here in your heart, in your soul. Nothing will change here in your hands, your feet and ultimately in your pockets. That even if you want to distribute money like a socialist, you got to first collect it like a capitalist. That God helps those who help themselves. Even the Bible says in Proverbs, to be poor is not to not have anything. To be poor is to Not. Not do anything. And lazy hands make a man poor. That's biblical. We somehow fail to talk about that part of the Bible. The Bible, by the way, talks about money more than it talks about any single other topic. More than 2000 mentions. So capitalism is. Well, money is not evil. Let's start there. It's the love of money that's evil. Okay. Capitalism in and of itself is not bad. It's bad capitalism. Right. And good capitalism is why benefit and you benefit more. Right. Bad capitalism is where I benefit and you pay a price for it. Slavery, prostitution, criminality. We can go on and on. Gaming, the system, the subprime mortgage crisis of 2008, so on and so forth. Transactional activities that are taking in nature. All right. Where I believe that you can do well and do good. I believe you can do well by doing good. I believe that my life is but one example of not perfect, highly imperfect. I've made mistakes. I've made one today, I'm sure. But I think trajectory wise, we have shown you can fall. Even when you fall, you fall forward. That you can be honest, have integrity, run a decent, honorable business, treat people fairly, leave society better and build something worthy of support. Build wealth for yourself and for. For others. My God, even community.

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[John Hope Bryant]

So now we've broken some of those eggs, some of the negatives and let me deal with another one real quickly. I've talked about in some of my Straight Talk videos that we over romanticized relationships and, and that the baseline of this philosophy, this belief is that whatever decision you make emotionally is going to be a bad decision, Right? And so if you are in a relationship, let's call it a loving or romantic relationship, and your primary or God forbid, your only criteria for that relationship is my gosh, he's fine or he's handsome, then you're going to win the battle and lose a war. You're going to be rearranging the deck chairs on the Titanic. The ship is sinking and you're picking drapes. It's bound to fail. How could it not? You've invested your time and attention to something that is transitory, temporary, and is going to fall away, quite literally. The looks are going to fade and the body's going to fall away. And what do you have left? That marriage before it was, even before we romanticize it, before God made it, endowed it with spiritual dimensions 3,000 years before the story of Christ. There were stories around the world of marriage and it was basically a business arrangement. It was asset protection, wealth creation, so on and so forth. In fact, early marriages, oftentimes the husband and wife, you want to call them the adjoined group that people have different terminologies, even for the beloved. The husband and wife didn't even sleep in the same domicile. They didn't sleep in the same bed. You'll find a lot of stories in Europe during the Middle Ages where they're married couples and they slept in, quote, separate castles, end quote. So I'm not saying that you should do away with your romantic beliefs. Of course not. You should love who you're with, but make sure they're not a dummy. You know, I love a lot of people, but I don't want to be in a relationship with them. I mean, I love my. There's family members I won't loan money to. I mean, I'll give them some money, but I'm not going to loan them some money. It's, it's It's, I mean, that is asking for trouble. They've proven themselves incapable of managing financial affairs. Other people in my family, in my love circle are very capable. They get certain other considerations. I. I love everybody. But again, one is charity and one is a proper business relationship. So when you. Again, I joke when you go to the club after your long week, know, you go to the club and you hanging out and you say, oh my gosh, he's fine. Oh, he's handsome. What's your credit score? Okay, and I'm joking, but I'm serious. Because you just. You. If you, if you select the right partner, that's not just your love partner, your romantic partner, not your hanging partner, your ride or die partner, your fun partner. That's your business partner. And if you do it right for life. And you should be better together. Now we're starting to make the pivot right. From what you should be, a discussion about what you're against to what you're for. Your partner should make you better. You can do bad all by yourself. The late Quincy Jones, a dear brother and friend, once told me, john, the only thing worse than being alone is wishing that you were. He's correct. You can do bad all by yourself. Two plus two in a relationship should not be addition, should be multiplication. Multiplication, meaning you should be better together. Two plus two should equal six, eight or ten or. What are you doing?

[Sprite Advertiser]

There's nothing better than the holidays. The house is full, music, playing cousins, talking trash over games. It's like the family group chat finally made it to real life. And right there, when you need a fresh pick me up is Sprite Winter Spice Cranberry. It has that crisp cranberry flavor with a smooth winter spice twist. Just feels made for festive moments like these. Whether you're cooking with your auntie, laughing with old friends, or catching up with a favorite cousin that you haven't seen all year, Sprite keeps the celebration bright and refreshing. It's the perfect holiday sip. It's light, flavorful, festive, and worth sharing. But heads up. Sprite Winter Spice Cranberry is only here for a limited time, so grab it now, throw it in the fridge, and crack another open to keep the good vibes flowing. Your favorite flavor has officially arrived. Sprite Winter Spice Cranberry Sprite. Obey your thirst.

[Odoo Advertiser]

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[Sophie Cunningham]

Season 2 of unrivaled basketball is here and the talent is unreal. Paige Beckers, Nafiza Collier, Kelsey Plumb, Brianna Stewart and more are are back to redefine the game. Unrivaled basketball Season 2, sponsored by Samsung Galaxy, tips off January 5 on TNT, TruTV and HBO Max.

[Public Investing Advertiser]

Support for the show comes from Public, the investing platform for those who take it seriously. On Public, you can build a multi asset portfolio of stocks, bonds, options, crypto and now generated assets which allow you to turn any idea into an investable index with AI. It all starts with your prompt. From renewable energy companies with high free cash flow to semiconductor suppliers growing revenue over 20% year over year, you can literally type any prompt and put the AI to work. It screens thousands of stocks, builds a one of a kind index and lets you back test it against the S&P 500. Then you can invest in a few clicks. Generated assets are like EFTs with infinite possibilities, completely customizable and based on your thesis, not someone else's. Go to public.com podcast and earn an uncapped 1% bonus when you transfer your portfolio. That's public.com podcast paid for by Public Investing Brokerage Services by Open to the Public Investing Inc. Member Finra SIPC Advisory Services by Public Advisors, llc. SEC Registered Advisor Generated Assets is an interactive analysis tool. Output is for informational purposes only and is not investment recommendation or advice. Complete disclosures [e-mail] disclosures.

[John Hope Bryant]

So let me now talk about this segment as we pivot into hunters, skinners and cooks. The Hidden Architecture of Wealth let's start with an easy one. Married couples or someone who's married is exponentially more likely to be wealthy and to build wealth on balance over time than someone who's single. That doesn't mean you can't build wealth single, clearly. But you get the right partner and it's a rocket ship. I'm going to get into what I mean by that, but let me now define three threes. Right? The first threes are kinds of relationships. So you have what I call a giver and a giver, and that's exotic. You have a giver and a taker. That's neurotic. You have a taker and a taker. Well, that's psychotic. And guess which relationships you don't want or shouldn't want. The latter two, what most what are most relationships? We end up with the latter two. If you're listening to this as you're working out or commuting or cooking or going about your life or even better, sitting with family members in a weekly family meeting, or sitting with your boys at the barbershop, or sitting with your girls and sorority meeting or around family members that you think are aspirational and want to do better, I'm going to suggest that you're probably the giver in a relationship and somebody else is probably the taker. Well, that's a relationship. You need to at least reevaluate what you want. Ideally, yes, life is not perfect. Don't let the perfect become the death of the good. But you don't want to intentionally create a situation where you can't win. So I have worked very diligently to remove toxicity and toxic people out of my life. Some people didn't want to go, right? The word personality comes from the Latin root word Persona, which means to perform. So your personality is literally your performance you're putting on for the world. Doesn't mean it's a lie. It just means that's what we're doing. It's a step removed from yourself. So you just need to make sure that the people that are close to you are putting on an honorable performance. Right? And again, I'm going goes back to a giver and a giver is exotic. A giver taker is neurotic. A taker to take her psychotic. That a positive per. I can't guarantee that being positive is going to make you a success, but I absolutely guarantee you that being negative is in time going to make you fail. So make sure you curate your environment. You hang around nine broke people, you'll be the tenth. Now these things are starting to weave together. Maybe it starts to make more sense to you. And the opposite is also true by the way. It's compounding, right? You make money during the day, you build wealth in your sleep. That's not just a financial term, it's education, it's aspiration, it's mindset. I wake up every day with the intention of being better than I went to bed last night or better than I was yesterday. So today is an accumulation of everything I learned and everything I evolved through yesterday and how I ended up today with sleep and rest. So I have a, I have a map that I follow a graph and maybe I'll add it to some of the social media that comes the clips that come with my weekly podcast. But it's every day. It's a, it's vision, mission, strategy, plan, tactics to do's to dones, assessment, evaluation, reimagination based on the evaluation reset based on the evaluation and re and reimagination reset. Right? And then refine vision. It's a software upgrade. We should all be attempting to have software upgrades in our lives all the time. You should always endeavor to make a better version of yourself when you get that iPhone. I have an iPhone 17 Pro. I love it. But once I received it immediately, within two weeks I got a notice from Apple. Hey, it's time you plug your phone in because it's time for a download of our, you know, 17.5, 17, 17.3, 17 point, 17.1. And then you know, now this 18 point something that's the phone just came out. They don't even begrudge themselves with perfection. They realize that all you can do is all you can do and you can adjust as you go. So don't let the perfect become the death of the good. Remember, a saint is a sinner that got up. We're all, to quote my father in law, Dr. David Dalton, Angels with dirty faces. And by the way, my wife Sha Bryant, who has a credit score better than me by the way and is a smarter than me in many areas. And I focus on wealth, she focuses on health. I make pretty good decisions around money and all that kind of stuff. I make the house, she turns into a home. Okay, I, I build the wealth and she makes sure the health is in a way that sustains our life. So again, you are you better together? Does your partner clearly make you a better human being, a better leader? So here's some so I've given you some foundational. Now let's go into the second three, three group. I gave you the first three group of the type of relationship capital you should want around you. And I could spend an entire podcast just on that. But I want to cover a lot of ground here. Now, this is a segment topic here. Hunter, Skinner, Cook. These are the three categories that I want you to focus on in total in your life as a framework after you've gotten the right relationship capital, right energy around you, the right team, the right special forces team. Once you know you've got that. Now let's talk about the roles and responsibilities. So every successful family, every winning partnership, every great business, every great community advocacy activity, including the civil rights movement, by the way, that my mentor, Ambassador Andrew Young, helped to lead with Dr. King. And it will start making sense to you when I give you these analogies of who is playing which roles or which instruments. If you're thinking about an orchestra assembly, an orchestra organization. But every successful family, winning partnership, group, business, etc. And frankly, every civilization that has everlasted has three kinds of people, essentially a hunter, a skinner, and a cook. The hunter goes out and secures the bag. They find opportunity, create momentum. The skinner protects the bag, analyzes it, organizes it, counts it, manages it, and makes sure it lasts. And the cook delivers, turns vision and resources into something real, valuable and excellent. Here's the problem. Most of us were never taught. This is what we're not dumb and we're not stupid. It's what we don't know, that we don't know, but we think we know. There's an old Southern saying, no matter how much I love you, my son, or my daughter, if I don't have wisdom, all I can give you is my own ignorance. So out of love, we pass down bad habits from generation to generation out of love and good intentions. Good intentions are not enough alone. Love is not enough. You need knowledge, you need applied knowledge, and you need a good business plan to apply that knowledge and that love with and against. And two, we were taught to hustle. That's what surviving Mindset does. That was my seventh book coming out next year called Capitalism for all on the 250th anniversary of America. But before that was Financial Literacy for All, which Is a bestseller right now. Thank you all who supported that book. Been on the bestseller in his category for going on two years now. The book before that was up from nothing. The book from that was the Memo. There's seven books, right? Goes on, goes on. How the Poor Can Save Capitalism, Love, Leadership, Backing our Future. Probably miss one, but the book, the Memo talks about mindsets, right? And a surviving mindset is what we see in the neighborhood, the struggling neighborhoods where we grow up in. And, and that's where you see a 500 credit score. And that's why you see a check, cash, or next to a payday loan lender, next to a rental owned store, next to a title lender, next to a liquor store, next to a pawn shop and a church down the street. That's your neighborhood therapist trying to make you sure you don't go crazy, go postal once a week, right? And talk to black people, my people. I said, you know what, you should go see a psychologist. Go see a therapy therapist over this, get some help. Oh, I don't want to go to a therapist. I don't go to psychologist. Somebody might think I'm crazy. My joke, joking response, sort of slightly serious. If you, black in America don't think you're crazy, you are crazy, right? So the church is playing that role. Plus plus, because the spirituality is the base of everything. We're not human beings having a spiritual experience, we're spiritual beings having a human experience. But, but we have unfortunately normalized very much like through coaching, through counseling, spirituality switch, spirituality and the love of God rises up or sneaks up upon you and you start to see his or her, her value. Bad things sneak up on you in broad daylight and we normalize it like check cashes, payday loan lenders, rental stores. These businesses in and of themselves, by the way, are not evil, like money's not evil. But if they're in a neighborhood designed to prey upon a vulnerable population who's depressed, distressed, in a surviving mindset, well, that's a different thing. So most of us were never taught the framework that I am outlining for you in this podcast episode and the rest of the series that's now covering two years going on two years now, or my Straight Talk Live series, or the books that I've written, or what the work that Operation Hope does. No one's ever taught you this, and no one's ever taught you financial literacy, which I believe is a civil rights issue of this generation. If you don't know better, you cannot do better. We were taught to Hustle. We were taught to dream, but we were not taught how to actually win and how winning works. Nobody eats if everybody hunts, nobody builds wealth if nobody manages the money and nobody succeeds long term if nobody delivers. Excellence in the organization, in the sense of a family. You can think about what I just talked about there. The excellence delivery person, the product delivery person, the cook is whoever the domestic engineer is, the mother or the father who stays home and takes care of the children and helps to raise them. That's you're delivering a product, probably the primary product of the family, right? Whoever manages the family budget is in this case, the Skinner. And whoever goes and pulls in the paycheck, the income, closes the deals, whatever, that person's the hunter. Guess which one I am, by. The way. My wife calls me a double alpha. Red, red, red, red, red. Well, that's what I'm good at, right? And here's. And here's another thing that I can tell you about a relationship. You can have somebody who makes some money and spends it, okay? And maybe if you're single that then that you're doing both roles. You can, you can have somebody who make. Who, who. Who manages the money and spends it, but you can't not have somebody who just spends it. Okay, I'll say it again. You can have somebody who makes the money and spends it. With the presumption is that they're managing it. Or in a relationship, you have somebody who makes the money and I'm sorry, somebody, Somebody else who, who, who manages the money and spends it. But what you cannot have is just somebody who just spends the money. Again, look at the quality of your relationships and whether you got a giver or a taker right next to you.

[Sprite Advertiser]

Right?

[John Hope Bryant]

Don't blame it on me. I'm just. Don't point and say, john told you to get into a fight tonight. I'm just saying you can work this stuff out through conversation. Communication. Even if somebody is being a taker, they may not know they're being a taker. That may be how they were raised. It may be just. It just may be habit, maybe circumstances. Maybe they have a surviving mindset when they need to be having a building, winning mindset. Right? There's surviving, thriving and building mindset. This from my book, the Memo. So getting back to this, it's not about blame. This is about correction. This is about repair, healing. You can't heal if you don't deal. I'm gonna repeat this now. Nobody eats if everybody hunts. Nobody builds wealth if nobody manages the money and Nobody succeeds long term if nobody delivers. Excellence. This is relates to relationships, partnerships, business, business ships. It relates to everything. Church, non profits for profits, by the way, don't trust me. Apply this to whatever you're thinking about and you tell me whether you think I'm right or not. Clubs, your organizations, your fraternities, your sororities, okay. And how they manage. And once you understand the framework, you start to see why families thrive, some families thrive, and why some businesses scale. And you begin to see why others, just as talented, struggle and fail. And many times, while it may be racial or some kind of bias or prejudice on the front end of what got people there to a point where they're inclined to fail, the failure itself is not in and of itself racial, in and of itself biased. Because you're in control, whoever the you is of what you do with what you have to work with at that moment. I often say that people of color, minorities, women, et cetera, we've been doing so much with so little for so long, we can almost do anything with nothing, including poor whites, by the way, there's more poor whites in America than poor anybody else. But struggle enough is not struggle. Alone, I'm sorry, is not enough. You need a business plan, as I said earlier, attached to it. And consider me your economic plumber. Consider me the community's economic plumber. I'm trying to put the plumbing back in to a system or into a system that's never had it. Talent galore, but no North Star and a map and a road map and a plan to get there. Today I want to talk about, about mindset, wealth, relationships and character and how aligning the right people in the right roles with the right values is the difference between surviving and winning. Okay, so let's now get into the three roles, right? You should write this down, you should take notes. You should go back and listen to this with those you love, right? This is literally a master class hunter. Again, that's me. And oftentimes I play several roles, but that's at very least me. They are opportunity finders. They are in roles like sales, deals, vision, momentum. One of the strengths they have is growth. They are obsessed with growth, the risk, chaos, ego, overspending, because, well, they think they can do anything. An entrepreneur jumps out of a airplane and builds a parachute on the way down. An entrepreneur works 18 hours, they keep getting a job. An entrepreneur believes they can do anything. Business leaders, builders. Sometimes the ego, the confidence gets away from us. And we need something to root us all right, by the way, in A family, talking about a family situation. If it's a couple and they're both, you're both working, try to create a situation where one person earns the money, you with their income, paycheck or whatever, right? The other person, you invest the money with their income or paycheck or whatever, right? So one's making a living paying for that. The other one's building wealth, investing in that. There's a. The Bernard, Shirley Kinsey, African American family out of California. He was an executive with Xerox and she was raising Khalil, I think the kid's name, their child's name, their son. And they literally built from a working class and middle class family up to a multimillion dollar situation with incredible art collections now touring the country and incredible wealth of the house overlooking a cliff in lower Malibu. Built all this on these principles that I'm talking to you about. I'm not talking to them, I'm just giving them as an example. So shout out to Bernard and Shirley Kenzie and their family. You should research them as a model for this. They did it from exactly what I'm talking about. One person, Bernard made the money, right. And he paid the bills. And then Shirley with, with the income she was creating and some excess money from, you know, that Bernard Kinsey didn't need to pay bills. She invested it, right. And, and that compounding created wealth of two lifetimes. Hunters create momentum. But momentum without discipline can destroy you. Let's talk about the Skinner. By the way, I think your relationships also should have a red and a blue. And this says this is gender neutral. A red is the fire truck. Ferrari. Kick it. Kick. Rear intake. Names. Move. Follow lead, follow. Get the head out. Get the heck out of the way. Go, go, go. Do, do, do. Get, get, get. Make, make, make. The leader. The driver of the car. Guess which one I am. And the blue is the passenger of the car. Down contour on a. On a rainy Sunday afternoon. The nurturer. The fireplace. The fire pit. The.

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The warmth.

[John Hope Bryant]

The, the down the. The. The. The support base. The, the person that, that nests. That makes it all okay. That brings purpose and meaning to everything that's being so called pioneered here. You need not one or the other. You need both. And you, you, if you have both, that people are alphas, both reds. You put fire in a fire, you create an inferno. What you need to do is put water on fire and create a little bit of steam, maybe a little bit of positive heat, but you need to put that fire out. And so you really These roles again are not gender specific. But you need to figure out what your strength is and what your partner's strength is, whether it's business or personal relationships and organizationally who is doing what and make sure you aren't stepping on each other's lines. Just quote enacting metaphor. Talk about the Skinner now. Organizer, protector, manager, budgeting, credit systems, Risk, strength, sustainability, risk, fear, paralysis, no growth. They don't want things to go wrong. They don't, they're, they're afraid of the boogeyman. They're afraid things are going to go wrong with this banker came and taught financial literacy to me when I was nine years old. Many of you know that, that story. And I said to the banker, what do you do for a living? He taught me this financial literacy course in conflict. He said I'm a banker and I finance entrepreneurs. I said I don't know what an entrepreneur is, but if it's legal and you're financing it, I'm going to be one. That's what I am today. Bankers keep the entrepreneur out of the ditch. Well, accountants and lawyers do too. But the bank, the banker is putting parameters hopefully around that entrepreneur's zest and energy. Well, the banker doesn't. The accountants and the, and the lawyers are going to tell that entrepreneur you shouldn't do this, shouldn't do that, Maybe don't do this, don't do that. The entrepreneur's job is to, is to, is to listen to and to be boundless within boundaries. But to ignore the vision that the banker and the accountant and the lawyer don't understand. Also because that entrepreneur's job is to drive growth. That's his or her strength. So the banker needs the entrepreneur, the entrepreneur needs the bankers. You understand that, right? The wife needs a husband, the husband needs the wife, right? But stop, stop, stop dismissing each other's role or stepping on each other's mission and mandate or, and in or, or maligning or disrespecting somebody, you just don't understand their role is different. It's not better for worse, it's just different. So that Skinner is going to be risk averse. So there's going to be a little constructive friction between the skinner and the hunter. Right? Again, rightly so. That constructive friction calls conversation called discussion in a relationship. And through that relationship you find the right balance. Here's your key tie ins. This is where credit score lives, right? Because you can balance all this risk out if you know, if your credit score is high above 700 ideally then you know, you're not taking undue risk because you're paying your bills. You're sort of keeping it all in balance. And that credit score, a high credit score allows you to access prime credit. And there's no billionaire, millionaire, multimillionaire, city, municipality, county, state, country company that didn't do it without the help of good debt, right? So good debts tied to something that appreciates bad debts, something depreciates. Giving you a lot of stuff in one podcast episode is going to be a master class. So you, you want to be able to access prime capital, right? That's power. A good skinner doesn't kill the dream. They make sure it survives. Again, you may make the house, your partner turns it into a home. It's just about roles and responsibilities. Everybody's doing their part. The cook, it's execution, excellence and reputation. Is product, service, customer experience the strength of this role? Trust and value. What's the risk? Burnout, being undervalued. That domestic engineer in the household who's raising the kids feels that their partner doesn't give them sometimes the credit that they deserve. So stop and celebrate them, acknowledge them, because they're doing one of the hardest jobs on the planet. But the cook oftentimes is undervalued. Ambassador Andrew Young was in many ways both the skinner and the cook in the civil rights movement, more so the Skinner. But occasionally he was a cook also. But, but Dr. King in that example was the hunter and he got all the attention. But Dr. King realized he needed an Andrew Young and a credit. Scott King and you know, Dr. Dorothy Hyde and all the heroes and sheroes in the the movement had roles to play. So you don't build wealth on ideas, you build it on delivery. Or as my friend, the CEO of Gallup, former CEO of Gallup, chairman of Gallup, once told me, he said, john, an innovation without a customer next to it is not a business. And he was correct. Jim Clifton is his name. I've now covered a lot of ground about these key roles and responsibilities. I've talked to you about a giver and a giver and that's compounding trust, growth, right? A giver, taker, burnout, resentment is where these leads to, right? A taker to taker leads to collapse. I'm repeat that a giver to giver leads to compounding trust and growth. I. What did I say? You make money during the day, you build wealth in your sleep. You start to get all this as it started to come together. We are, we're going to do this in less than 40 minutes. Change your world in less than 40 minutes. Share this Share this episode with everybody you know. Repeat, rinse, repeat, play it over. Because again, if you don't hear it a dozen times in your head, it may not ring true. It may not bake in this is literally everything. Other stuff builds on this. You go in different directions, but if this is your foundation, then you begin to start sort of making the right choices and decisions. A giver and a giver leads to compounding of trust and growth. And I believe, well, physical wealth, health, wealth, spiritual wealth, emotional wealth, psychological wealth, real wealth, relationship, capital changes, endorphins in your brain change, you become more positive anyway. And that's why I think you live longer. By the way, if you live in a 500 credit score neighborhood, you live 61 years of age on average. That's our Hope Financial Wellness Index. Thank you Experian for that data that you give us in the Census Bureau. If you live in a 700 credit score neighborhood 15 minutes apart, by the way, typically in urban communities across this country we have evaluated through our Hope Index, you live to 81 years of age. So for every 50 point increase in your credit score, you're living another five years. That's not about the credit scores. The trending indicators of hope, well being, belief, confidence, trust, optimism. Right. Which is affecting everything else. Again, whether you believe you can or whether you believe you can't. You're right again. A giver and a taker leads to burnout, resentment from the person doing the giving. By the way, a taker to taker just leads to collapse. The relationship just comes unglued. Unglued. It's just, it's transactional and it's selfish and it's, it's not sustainable. And I want you to step over mess, not in it. I don't want you to rearrange the deck chairs and the Titanic ship is sinking and you picking drapes. I don't want that for you. You cannot out earn bad relationships. I'm going to repeat that. You cannot out earn bad relationships. They're just going to collapse. It's just a matter of time. So we talked about how this relates to family, business partnerships, friend groups, romantic relationships.

[Sprite Advertiser]

There's nothing better than the holidays. The house is full, music playing, cousins talking trash over games. It's like the family group chat finally made it to real life. And right there, when you need a fresh pick me up is Sprite Winter spiced cranberry. It has that crisp cranberry flavor with a smooth Winter Spice Twist just feels made for festive moments like these. Whether you're cooking with your auntie, laughing with old friends, or catching up with a favorite cousin that you haven't seen all year, Sprite keeps the celebration bright and refreshing. It's the perfect holiday sip. It's light, flavorful, festive and worth sharing. But heads up. Sprite Winter Spice Cranberry is only here for a limited time, so grab it now, throw it in the fridge and crack another open to keep the good vibes flowing. Your favorite flavor has officially arrived. Sprite Winter Spiced Cranberry Sprite Obey your thirst.

[Odoo Advertiser]

Running a business is hard enough, so why make it harder with a dozen different apps that don't talk to each other? One for sales, another for inventory, a separate one for accounting. Before you know it, you are drowning in software. Instead of growing your business, this is where Odoo comes in. Odoo is the only business software you'll ever need. It's an all in one, fully integrated platform that handles everything CRM, accounting, inventory, E commerce, HR and more. No more app overload, no more juggling log. Just one seamless system that makes work easier. And the best part? Odoo replaces multiple expensive platforms for a fraction of the cost. It's built to grow with your business whether you are just starting out or already scaling up. Plus, it's easy to use, customizable and designed to streamline every process so you can focus on what really matters running your business. Thousands of businesses have made the switch, so why not you try Odoo for [e-mail] that's o d o o.com did you know?

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Microsoft has officially ended Support for Windows 10? Upgrade to Windows 11 with an LG Gram laptop, voted PCMag's Reader's Choice top laptop brand for 2025. Thin and ultra lightweight, the LG Gram keeps you productive anywhere, and Windows 11 gives you access to free security updates and ongoing feature upgrades. Visit lgusa.com iheart for great seasonal savings on LG Gram laptops with Windows 11. PCMag reader's choice used with permission. All rights reserved.

[Sophie Cunningham]

Season 2 of unrivaled basketball is here and the talent is unreal. Paige Beckers, Nafiza Collier, Kelsey Plumb, Briana Stewart and more are back to redefine the game. Unrivaled basketball season two, sponsored by Samsung Galaxy, tips off January 5 on TNT, TruTV and HBO Max.

[Public Investing Advertiser]

Support for the show comes from Public, the investing platform for those who take it seriously On Public. You can build A multi asset portfolio of stocks, bonds, options, crypto and now generated assets which allow you to turn any idea into an investable index with AI. It all starts with your prompt. From renewable energy companies with high free cash flow to semiconductor suppliers growing revenue over 20% year over year, you can literally type any prompt and put the AI to work. It screens thousands of stocks, builds a one of a kind index and lets you back test it against the S&P 500. Then you can invest in a few clicks. Generated assets are like EFTs with infinite possibilities, completely customizable and based on your thesis, not someone else's. Go to public.com podcast and earn an uncapped 1% bonus when you transfer your portfolio. That's public.com podcast paid for by Public Investing Brokerage Services by Open to the Public Investing Inc. Member finra SIPC Advisory Services by Public Advisors llc SEC Registered Advisor Generated assets is an interactive analysis tool. Output is for informational purposes only and is not investment recommendation or advice. Complete disclosures available at public.com disclosures.

[John Hope Bryant]

Let me give you some now some foundational stuff to layer on top of this. Let's talk about integrity, credit and character. Do you know the word credit comes from comes from the Latin root word credito which means credibility has nothing to do with money. You know that capitalism comes from the Latin word capitas which loosely defined means knowledge in the head. Do you know that banking is a trust business? None of the. None of those three things actually has anything directly to do with money. Deep, isn't it? But it leads through money, which is a transfer of value to wealth creation. So let's talk about integrity, credit, Integrity, credit and character. And black folks in particular. We have mastered creativity, culture and cool. And what I want us to master now is credit, capitalism, free enterprise and new community. But go from rocking the mic to owning it. Another podcast for another day. So I want you to pay your bills. I want you to keep your word. I want you to fix mistakes fast. I want you to tell the truth early. I want you to stop stressing on being perfect. There is no perfect. This is the best you can do. We're all angels with dirty faces, right? A saint is a sinner that got up. Just do the best you can. God knows you're a sinner. My God was a miracle. Just, you know, just do the best you can. Just have good intentions and, and, and correct as soon as you can with as much transparency and authenticity as you're able to muster and you'll have and you'll win. You'll. Even when you fail, you fall forward. And remember that rainbows only follow storms. You cannot have a rainbow without a storm first. So you actually grow even through your. Your challenges. And God knows I've had tons of those myself. And I'm certainly better because of actually my book up from Nothing talks about how I really won through my. Have managed my failures, not my successes. I believe that the success in life is about successfully managing pain. The pain we create for ourselves. The pain visited upon us, visited to us by others. Your credit score is not just a number. It's a trust score. And you are in control of it. You. You can't control a lot of things, but you can control that. So a good credit score will lower your cost of capital, right? It leads to freedom. All money is freedom. It leads to options. It leads to personal dignity or gives you personal dignity. What I'm telling you gives you personal dignity, not the credit score or the money itself. I really want you to have resilience. That's one of my top traits is I just never give up. I take no for vitamins over the round and do it. I'm going to get to it like you. I'm warning you, don't get it in front of me. Don't get. Don't get in my way. I'm going to run you over. You're going to get hurt. I'm warning you in advance. Please move aside. I'm coming that way. And if you don't, then it's on you. I warned you. I am unstoppable. That has to be your mindset. There's no when you got the power, you don't need to use it. You don't need to raise your voice. Flex. If. If you are who you are, then the world will know it soon enough. So when you're resilient, you understand that everyone fails. But that's not. You're not a failure. It's just an outcome to an experiment. You get up and you keep moving. You. You understand that winners adjust. You understand that losers quit or blame. But winners innovate and reclaim. Can I get an amen? Failure is information, not a verdict.

[Sprite Advertiser]

There's nothing better than the holidays. The house is full, music playing, cousins talking trash over games. It's like the family group chat finally made it to real life. And right there, when you need a fresh pick me up is Sprite Winter Spice Cranberry. It has that crisp cranberry flavor with a smooth winter spice twist. Just feels made for festive moments like these Whether you're cooking with your auntie, laughing with old friends, or catching up with a favorite cousin that you haven't seen all year, Sprite keeps the celebration bright and refreshing. It's the perfect holiday sip. It's light, flavorful, festive and worth sharing. But heads up. Sprite Winter Spice Cranberry is only here for a limited time, so grab it now, throw it in the fridge and crack another open to keep the good vibes flowing. Your favorite flavor has officially arrived. Sprite Winter Spice Cranberry Sprite Obey your thirst.

[Odoo Advertiser]

Running a business is hard enough, so why make it harder? With a dozen different apps that don't talk to each other? One for sales, another for inventory, a separate one for accounting? Before you know it, you are drowning in software instead of growing your business. This is where Odoo comes in. Odoo is the only business software you'll ever need. It's an all in one, fully integrated platform that handles everything CRM, accounting, inventory, E commerce, HR and more. No more app overload, no more juggling logins. Just one seamless system that makes work easier. And the best part? Odoo replaces multiple expensive platforms for a fraction of the cost. It's built to grow with your business whether you are just starting out or already scaling up. Plus, it's easy to use, customizable and designed to streamline every process so you can focus on what really matters running your business. Thousands of businesses have made the switch, so why not you try Odoo for free at odoo.com that's O-O-O.com did you.

[LG Gram Advertiser]

Know Microsoft has officially ended Support for Windows 10? Upgrade to Windows 11 with an LG Gram laptop voted PCMag's Reader's Choice Top Laptop Brand for 2025. Thin and ultra lightweight, the LG Gram keeps you productive anywhere and Windows 11 gives you access to free security updates and ongoing feature upgrades. Visit lgusa.com iheart for great seasonal savings on LG Gram laptops with Windows 11. PCMag reader's choice used with permission. All rights reserved.

[Sophie Cunningham]

Season 2 of unrivaled basketball is here and the talent is unreal. Paige Beckers, Nafiza Collier, Kelsey Plumb, Brianna Stewart and more are back to redefine the game. Unrivaled basketball season two, sponsored by Samsung Galaxy, tips off January 5 on TNT, TruTV and HBO Max.

[Public Investing Advertiser]

Support for the show comes from Public, the investing platform for those who take it seriously. On Public, you can build a multi asset portfolio of stocks, bonds, options, crypto and now Generated Assets which allow you to turn any idea into an investable index with AI. It all starts with your prompt. From renewable energy companies with high free cash flow to semiconductor suppliers growing revenue over 20% year over year, you can literally type any prompt and put the AI to work. It screens thousands of stocks, builds a one of a kind index, and lets you back test it against the S&P 500. Then you can invest in a few clicks. Generated assets are like EFTs with infinite possibilities, completely customizable and based on your thesis, not someone else's. Go to public.com podcast and earn an uncapped 1% bonus when you transfer your portfolio. That's public.com podcast paid for by Public Investing Brokerage Services by Open to the Public Investing Inc. Member FINR Advisory Services by Public Advisors, llc. SEC Registered Advisor Generated Assets is an interactive analysis tool. Output is for informational purposes only and is not investment recommendation or advice. Complete disclosures available at public.com disclosures.

[John Hope Bryant]

Here's the real question I want to leave you with. Who's hunting in your life? Who's skinning and who's the cook? And just as important, what role are you actually playing? And occasionally you may end up playing all three, by the way. But you want to specialize as soon as you reasonably can. Then look at your circle. Look at your village. Look at your posse. Look at your group. Who gives in your circle? You want more of them. Who takes? You want less of them. Who drains you. You want none of them. Yeah, tell folks all the time you don't have to go. You gotta get the heck out of here. Let the donut hit you with a dog should have bit you. Okay, let me stop. Wealth is not just about money. It's about alignment. That's why I say ignore the noise. You need to move the noise, all the friction out your life. You need alignment. You need to be efficient so you can go and kill it. Not kill someone. Kill the mission. Achieve it. It's about alignment of people, alignment of roles, alignment of values. I walk through life consciously oblivious of most things because it just doesn't matter. I'm very focused and I'm. I'm ruthless about my time. I'm charitable with money and other things. I'm ruthless about my time. I can waste my time. You can High integrity, really important, strong relationships. Prime credit resilience when things go wrong. Again, it's about how you manage failures. Not success is going shopping is easy. Traveling is easy. That's why all this stuff on Instagram and Tick tock all these people flashing and flossing with all this stuff. That's why, you know, it's not real like that. That's not success. That's. That. That's the bounty. That's the. That's the easy stuff. Anybody can do that. Anybody can flex and floss and lease a car and rent a. Rent a fancy house and all that kind of stuff and. And go. Go shopping. Yeah, big deal. Right? But. But can you overrun it through it? Can you get to it? Can you keep going when everybody's falling around you? Can you. Can you outlast out love, Outlive out, out give. I mean, that's a bad. Now that's a bad dude or a bad sister. That's making smart sexy. That's power. When you got the power, you don't need to use it. We've been doing some church today, haven't we? So this is how families win. This is how businesses scale. The last 46 minutes, I've just outlined it. This is how wealth is built and kept. Wealth. Wealth isn't luck. It's structure, character, and discipline repeated over time. Remember that quote, inspired by my friend Tony Ressler? You make money during the day, you build wealth in your sleep. By the way, he is a billionaire, owner of the Atlanta Hawks, my business partner, and a couple ventures, and he is chairman of a $600 billion company called Aries Management, wherein my other friend, Michael Arrietty, who's also a billionaire, who is CEO, who introduced me to Tony. They're my. They're my two partners in one of my ventures and dear friends and their givers. Givers? Givers. Givers with intelligence and rigor and business plans and all that. And they helped me build a team for one of my businesses, one of my most successful. They made sure I had the right team around me. I had to go do the work, but they make sure I had the right team around me. I believe in. I call it the James Brown version of affirmative action. Open the door, I'll get it myself. Right? Somebody may open the door, but you got to go get it. You got to go at it. Nobody, Nobody owes you anything. Right? This is not about charity. It's not about a hand out. It's about a hand up. So once you understand that wealth isn't luck, that it's about structure and character and discipline repeated over time. Once you understand that, you stop chasing money. I tell people all the time, the bag, the money, the dollar, who cares? It's just a transfer of value. Who cares? Just knock it off. All the stuff about cryptocurrency, all that stuff which, which is fine, but it's just understand you're gambling. It's, you know, it's, it's, it's speculation, like it's, it's just computer code, right? That's not, that's not wealth. You're the wealth, right? And if you have the right team around you, you'll make the right analysis on whether cryptocurrency is for you, or whether real estate's just for you, or whether dry cleaning business is just for you, or whether technology is just for you, or whether being married is just for you, or being single just for you, or being in living in Africa or America, Europe or Latin America, Asia, traveling, all these things will make more sense and you'll make really good decisions about them. Where, what, who, when and with whom. And how when you have the right.

[Sprite Advertiser]

Team.

[John Hope Bryant]

Then you start building something that lasts. So here you go. This is it. This is the drop the mic. This is the masterclass. This is the winning formula for your life. And even if it's just you doing this, make sure that you structure yourself so that part of your day, your week, your month is you being a hunter, you being a skinner and you being a cook. And make sure that you are talking to you in self affirming ways. But honestly. Because 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 love me, I don't have a clue how to love you. And here's a big one. If I don't have a purpose in my life, I'll make your life a living hell. Because whatever goes around comes around. You can't give what you don't have in a blind town. A one eyed man's king. If you don't know better, you cannot do better. See, it all comes back to some basic principles. Life is pretty simple, we sort of just tend to complicate it. So is success. This is the foundation of it. Let's build on that. Then. Once you listen to this, go and talk to your friends, your girlfriends, your guy friends, your, your family. Listen, they check this out, un dissect it, unpack it, repack it, then go watch and listen to other podcasts I've done through the Money and wealth series from 2025 and then go back to 2024. I've given you a library of giving you an encyclopedia of knowledge of that is a cheat sheet on how I did it and what to avoid, what things to ignore and what things to to stop messing with. I mean a couple pieces of advice I I would give my 18 year old self is stop trying to impress somebody you don't want to be like. Stop trying to be like the the Six Square Block celebrity. Who cares? There's 8 billion people in the world. Why are you obsessing with one with one dude from one zip code or one girl in some high schooler middle school money and wealth. You can have high confidence podcast network. I want you to have high confidence or wherever you listen to your face I want you to know that you're enough. So I would stop trying to impress somebody that I don't want to be like and I let and I'll stop letting people people abuse my time and waste my time because eagles don't fly in packs. You've never seen a flock of eagles, right? Eagles are high altitude birds. They're regal, they're not, they're not pompous, they're not obnoxious, they're not arrogant, they think differently. And they're high altitude birds are hard to get to, they're hard to understand, even hard to see. But buzzards love packs and buzzers are low altitude birds. The buzzers love shooting eagles when they can't be like them. Player hating. Every player congratulates. And then turkeys got wings and can't even fly. I did a piece on social media. Go back and watch that. It's sort of entertaining but it sort of brings that topic in the, in the, in the correct view pretty quickly. So these are all birds, but they're from different categories and different groups. They have different roles, they have different functions. But you are, if you're listening to this podcast, are watching this, you are my guest. Either an eagle or eagle in training. And not everybody's going to understand you and you can't take everybody with you. I'm out. This is John Hope Ryan, Money and Wealth. And this is my podcast series on iHeartRadio and Black Effect. I love you enough to tell you the truth. You can do anything you want to do in this world if you apply yourself and I believe you will enjoy your week and make it spectacular. Whoa, what a vibe we've got y'.

[Sprite Advertiser]

All.

[John Hope Bryant]

As always, it's classic HBCU energy. Nonstop action. The band is rocking and the crowd lit. Chants, echoing, drums beating. Everybody showing that school pride moments like this. Yeah, they call for an ice cold Coca Cola. Crisp and refreshing. That's a game changer right there. Mmm. Yeah, that taste always hit the right note. Just like the band at halftime. Passionate fans, school colors everywhere, and an ice cold Coca Cola. That's a winning combo. No matter the place, no matter the moment. Everybody knows fan work is thirsty work. So grab a Coca Cola and keep that HBCU pride going.

[LG Gram Advertiser]

Did you know Microsoft has officially ended Support for Windows 10? Upgrade to Windows 11 with an LG Gram laptop, voted PCMag's Reader's Choice top laptop for brand for 2025. Thin and ultra lightweight, the LG Gram keeps you productive Anywhere and Windows 11 gives you access to free security updates and ongoing feature upgrades. Visit lgusa.com iheart for great seasonal savings on LG Gram laptops with Windows 11. PCMag reader's choice used with permission. All rights reserved.

[Sophie Cunningham]

Season 2 of unrivaled basketball is here and the talent is unreal. The best women's players on the planet are running it back with even bigger moments and bigger stakes. Don't miss as Paige Becker, Snafeeza Collier, Kelsey Plumb, Brianna Stewart and more take the court and redefine the game. This isn't your regular season. This is unrivaled, where the pace is faster, the energy is higher and every athlete shines. Unrivaled basketball season two, sponsored by Samsung Galaxy, tips off January 5 on TNT, TruTV and HBO Max.

[Public Investing Advertiser]

Support for the show comes from Public, the investing platform for those who take it seriously. On public, you can build a multi asset portfolio of stocks, bonds, options, crypto and now generated assets which allow you to turn any idea into an investable index. With AI. It all starts with your prompt. From renewable energy companies with high free cash flow to semiconductor suppliers growing revenue over 20% year over year. You can literally type any prompt and put the AI to work. It screens thousands of stocks, builds a one of a kind index and lets you back test it against the S&P 500. Then you can invest in a few clicks. Generated assets are like EFTs with infinite possibilities, completely customizable and based on your thesis, not someone else's. Go to public.com podcast and earn an uncapped 1% bonus when you transfer your portfolio. That's public.com podcast paid for by Public Investing Brokerage Services by Open to the Public Investing Inc. Member FINRA SIPC Advisory Services by Public Advisors llc SEC Registered Advisor. Generated Assets is an interactive analysis tool. Output is for informational purposes only. And is not in investment, recommendation or advice. Complete disclosures available at public.com disclosures this.

[Sophie Cunningham]

Is Sophie Cunningham from Show Me Something. Do you know the symptoms of moderate to severe obstructive sleep apnea, or OSA, in adults with obesity? They may be happening to you without you knowing. If anyone has ever said you snored loudly, or if you spend your days fighting off excessive tiredness, irritability and concentration issues, it may be due to osa. OSA is a serious condition where your airway partially or completely collapses during sleep, which may cause breathing interruptions and oxygen deprivation. Learn more at don'tsleep on OSA.com this information is provided by Lilly, A medicine company. This is an iHeart podcast.

[Odoo Advertiser]

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