A (18:10)

Hey, it's Ryan Seacrest for Albertsons and Safeway this fall. Take care of the little ones in the family with Baby Club Savings now through November 4th. Spend $25 on select Baby Club products and save $5. Shop for items like Pediasure bottles, Pedialyte powder packs, Huggies, baby wipes, Huggies diapers, Gerber puffs and Gerber pouches. And save $5 when you buy $25 or more on participating products. Offer ends November 4th. Restrictions apply. Offers may vary. Visit albertsons or safeway.com for more details. Limu cable and Doug Here we have the Limu Emu in its natural habitat helping people customize their car insurance and save hundreds with Liberty Mutual. Fascinating. It's accompanied by his natural ally Doug.

B (18:58)

Limu is that guy with the binoculars watching us.

A (19:00)

Cut the camera. They see us. Only pay for what you need@libertymutual.com Liberty Liberty Liberty Liberty Savings Very underwritten by Liberty Mutual Insurance Company affiliates excludes Massachusetts.

B (19:10)

This is Matt Rogers and Bowen Yang from Las Culturistas with Matt Rogers and Bowen Yang.

A (19:14)

JBL Tour Pro 3 earbuds are for those who don't conform to the standard. Yeah, I mean if you want to.

B (19:20)

Get into some touchscreen technology, how about.

A (19:23)

The smart charging case clear sound? These are not standard things. You're only going to get them with the JBL Tour Pro 3, baby. And I love the sound of JB Owen goes these earbuds are packed with innovation because you can't stand out by following others. Touchscreen smart charging case for one touch control, instant EQ customization, true adaptive noise canceling and the one of a kind audio transmitter which can plug and play with everything from game consoles to in flight entertainment. The audio transmitter also allows for JBL Spatial360 sound that takes any audio and turns it into a 360 immersive experience. What more could you want?

B (20:00)

First doesn't follow.

A (20:01)

Grab a pair@jbl.com this is Buzz Knight from Taking a Walk. Lexus believes in the importance of standards. One of my standards I never want to be late. I always want to show up on time. For Lexus, the standard is simple experience. Amazing. Their benchmarks aren't stats or specs, they're feelings. Exhilaration, joy. That sense your car was designed just for you. Machines built to make you feel more human. Because a car that doesn't make you feel something is a car that stops short of amazing experience. Amazing at your Lexus dealer.

B (20:47)

The last time something like this happened to us was during the Industrial Revolution. That was a focus on machines. The Internet revolution. That was a focus on websites. By the way, I remember in 2000 when the Internet was the new rage, all the rage. I remember thinking I was going to change the name. Literally change the legal name of Operation Hope to Operation Hope.org and Brian Group Companies as it was called back then, Brian Group Companies into Brian Group Companies dot com. That's the how manic this was. But you thought you have to change everything. It's all going to be Internet based. And it was a big shift for everybody. And we all know how important the Internet is today. But that was overblown. I'm not sure that the current hype, if you want to call it that, on AI, is actually overblown. I think it may be underestimated how much this is going to transform society because it truly is another intelligence which in some ways outstrips for the first time ever, a level, not all, but a level of a portion of human intelligence over time. We haven't gotten that yet, but one can see the writing on the wall. By the way, as an entrepreneur, I do not think AI will take my job, right? So as a, there's there, there are, there are talents and tools that human beings bring to something that I do not think can be replaced. But anyway, that was the Internet revolution, the mobile app explosion, that's iPhones, Uber, et cetera. So these are some examples where a lot of things changed all at the same time. AI is bigger than all of these. But unlike those errors, the barrier to entry is now free or near free. Please, please hear me. You don't need a factory. You just need to focus. There's your quota for the day. You don't need a factory. You need a focus and you need to focus. You know, racism is a big deal, we talk about it, discrimination, etc. My friend Van Jones, who's on the AI Ethics Council with me, and I think he's underestimated in his brilliance, particularly this technology area. He said to me that 99% of black folks in his estimation don't really know a thing about AI. Not their fault. But then he said, you know, it's also true that 99% of white folks don't know a thing about AI either. So we're all equal opportunity, discriminated against here. This, everything starts at a new baseline, but the access at the moment is basically free. Bottom up millionaire AI opportunities. Bottom up AI millionaire opportunities. These are some opportunities that anyone with hustle and curiosity can act on. No PhD required. Number one website upgrades for small business. Just explained that business walked you through. It even walked you through a little of the math of how you could run a million dollar a year business. And basically you can control your market like you look at. Do an evaluation in your town, in your city, in your county, in your community. Do an evaluation of how many small businesses there are where you live. You don't need a national platform, you don't need to be an international business. You can do this in the Caribbean, in a small community, in one of the Caribbean nations. You can do this in a Small town in South Carolina. You can do this in Alabama, you can do this in, in the Mojave Desert in California, you can do this in Buffalo, New York. You can do this in Pittsburgh, Pennsylvania. You can do this in, in the most rural areas of America. And you can control your marketplace with this one little business and create a business with an enormous profit margin on that $500. I explained you earlier, profit margin in that thing is about 90%. I mean as much as 90%. So you're, they bought it for 5,000 or more. The website, you can do it for 500. It may cost you 50 bucks to do everything you need to do. You want to hire people, whatever, and scale up, that may be a different situation. But you see what I'm saying, there's just, it's a lot of room there for you to be great wherever you are and make a living, dignified living in this new AI era. So in this example, you have AI powered redesigns, SEO updates, chatbot installs, right? You do, in my opinion, you plug in some e commerce again, I love Shopify as an example to that. You also have Amazon, that does it and so on and so forth. Walmart, I'm not sure if they have an E commerce platform you can log into, but you should look at what they're doing because they do it as a best in class organization and maybe take some ideas from them. Number two, digital marketing revamps. Use ChatGPT and Canva AI to create better ads, better emails, social media strategies. Number three, digital marketing revamps was if you need me to go into that more. But that's an easy one for somebody who's running, let's say an advertising agency, a public relations agency, anybody who's, who is involved in marketing and pr. Again, this is not going to replace you. You've got to augment what you do. So you're your own replacement. You're upgrading your own software so you can compete in the 21st century. Because you want to be in this example, the example I love to give, you want to be Netflix, not Blockbuster, right? Blockbuster could have bought Netflix for a very small amount of money. They got arrogant, got obnoxious, threw their nose up at Netflix, told him to go away. Remember the Blockbuster dates on every corner every week. And over time, Blockbuster went out of business. Netflix surged. There's one Blockbuster in the world today. So you want to be blocked. You want to be Netflix, not Blockbuster. You want to be Amazon, Walmart, not Sears and Robux or Kmart that went out of business. You Want to be the iPhone today, not Kodak. So if you're running a PR firm, a marketing firm, et cetera, an ad first, an ad agency, I want you to think about how you augment what you're doing with artificial intelligence to take you from good to great and competitive for the 21st century. Number three, as I mentioned, create a local AI concierge service. This is so cool. Help older businesses and older business owners adapt AI for bookkeeping, scheduling, customer service, etc. Someone will pay you to do this. I guarantee you this is the case. This is a huge opportunity. I'm going to repeat that. Creating a local AI concierge service will help you help other businesses, older businesses to adopt AI for bookkeeping, scheduling, customer service and other essential services. Number four, there's a number of ways you can do that. You can do it as a consultant, you can do it as a cost saving analysis. Anyway, there's a huge opportunity. Huge opportunity there. Most of America are small businesses, by the way, they call it the Fortune 500 because there's only 500 of them, right? But there are literally tens of thousands of businesses in America and you want to target the portion of that's in your neighborhood or your community. Help them help themselves and you do well and do good with good capitalism at the same time. Number four, start an AI tutoring and literacy class in your neighborhood. Class or classes? Teach others how to use AI. Charge 20 to $100 per session per person. Again, pull out that calculator. Do that math. Not bad revenue. This can be your side hustle. By the way. Let your nine to five finance your five to nine. Work somebody's job. Get their. Get their health care, get give them, give them good service. Rather, don't cheat on the good job. Deliver. But when you come home, you can then pursue your dream and this is something you do part time. Teach others how to use AI and charge 20 to $100 per session per person. Number five, AI powered resumes and LinkedIn makeovers. Help job seekers become future proofed. Number six, write AI powered books and e courses. Use AI to help others tell their stories or share their knowledge. Again, you're comfortable with something other people are not. Don't wait two years to do this. The market will be flooded. I want you. If you're going to do any of this, do it right now. Be in a hurry, be excited about this and master it before other people become comfortable with it. Number seven, Reimagine the church bulletin. I just love this one. We can all relate to it because we all, growing up, most of us went to a church and we knew how raggedy these church bulletins were. Reimagine the church bulletin, community newsletter and or community newsletter with a I digitize it, brand it logo for the church or community group, make it interactive, sell it as a service. So you're going to get them out of the paper business, by the way, we'll save some trees, stop polluting the earth maybe. And you're going to get. Because most people have a phone. They've got a digital phone. They've got, you can put a coat, you can put a, you know, a code on the phone. I'm sorry, on the pamphlet. A QR code that people can pull from to pull their pamphlet up at church or their bulletin. There are many ways to do this, but the point is everybody these days has a digital phone in their hand. And so you don't even need to worry about what they're going to read it on. They've got something to read it on. You just need to move folks into the 21st century. Number eight, launch a micro AI agency for local elected officials or nonprofits. I'm talking about speeches, strategy, email writing, grant writing, and you become the hub for the new intelligence in the community. For folks who want to do the work but understand the technology, they've confused business with busyness. They want to go out there and just sell and hustle, but they need somebody to be that backroom business manager in that new world. That could be you. And you're not doing it for one business in this example or one nonprofit or one elected official in this example, it's elected official or nonprofit. You can have a range of clients. Okay. Number nine, start a Fix My Biz Mobile AI consulting. Pop up a physical booth or truck where you offer quick AI solutions to small business owners. You want to be mobile? Combine this with Uber if you like or Lyft do too. Give people rides. And when you're not doing that, do a pop up with an AI Fix My Biz Mobile app business or mobile AI consulting business. A physical booth or truck where you offer AI solutions to small businesses and you move around. It's again, people who don't like being stuck in an office and want to see new things, new places. Number 10, create an AI based voiceover or video business. You can use Eve 11 Labs, Pictory, that's P I C T O R Y or other apps to offer a $50 explainer, video or ads from mom and pop shops. And there's so many more examples. I just gave you some that don't require. As I said, a PhD. Don't wait to be hired by the future. I want you to create it for yourself.

A (34:43)

Hey, it's Ryan Seacrest for Albertsons and Safeway now through November 4th. Shop the annual beauty event and save $5 when you spend $25 on select beauty products. Shop in store or online for items like Dove Body Wash, Native Body Wash, Cetaphil gentle skin cleanser, Dr. Squatch body wash, Neutrogena Hydro Boost Water Gel, Dial Liquid Hand Soap and Olay Body wash. And save $5 when you spend $25 or more. Offer ends November 4th. Restrictions apply. Offers may vary. Visit albertsons or safeway.com for more details. And Doug Here we have the Limu Emu in its natural habitat helping people customize their car insurance and save hundreds with Liberty Mutual. Fascinating. It's accompanied by his natural ally, Doug.

B (35:31)

Limu is that guy with the binoculars watching us.

A (35:34)

Cut the camera. They see us. Only pay for what you need@liberty mutual.com Liberty Liberty Liberty Liberty Savings Very underwritten by Liberty Mutual Insurance Company affiliates excludes Massachusetts. This is Matt Rogers and Bowen Yang.

B (35:45)

From Las Culturistas with Matt Rogers and Bowen Yang.

A (35:48)

JBL Tour Pro 3 earbuds are for those who don't conform to the standard. Yeah, I mean if you want to.

B (35:54)

Get into some touchscreen technology, how about.

A (35:57)

The smart charging case Clear sou. These are not standard things. You're only gonna get them with the JBL Tour Pro 3, baby. And I love the sound of JBL when it goes. These earbuds are packed with innovation because you can't stand out by following others. Touchscreen Smart charging case for one touch control, instant EQ customization, true adaptive noise canceling and the one of a kind audio transmitter which can plug and play with everything from game consoles to in flight entertainment. The audio transmitter also allows for JBL Spatial360 sound that takes eight any audio and turns into a 360 immersive experience. What more could you want first doesn't follow. Grab a pair@jbl.com this is Buzz Knight from Taking a Walk. Lexus believes in the importance of standards. One of my standards I never want to be late. I always want to show up on time. For Lexus, the standard is simple experience. Amazing. Their benchmarks aren't stats or specs, they're feelings. Exhilaration, joy. That sense your car was designed just for you. Machines built to make you feel more human because a car that doesn't make you feel something is a car that stops short of amazing experience. Amazing at your Lexus dealer.

B (37:20)

Okay, I'm gonna think I'm looking around my office now just to take this to another level. I'm looking at this painting in front of me of an eagle. That photographer had to wait for the eagle and spend all day hunting for the right photo of the eagle. And I mean the right imagery of the eagle, wait for the sun to be in the right place. And he might have spent all day trying to maybe days hunting for the right situation. Now, you can do this same photo in minutes with the help of artificial intelligence. But let's maybe you say no, no, I want to keep the creative process pure. Okay, that's fine. So let's step away from that. You still want to go out and photograph the ego on your own? And frankly, I do believe natural anything is better than artificial anything. But the process of making the art piece itself, the. The photograph on the metal in this particular example, the backing, all of the creation of this art piece on my wall is going to be reimagined with AI AI and microphone production, AI and picture frame production. I'm looking at my desk. AI and water bottle production, AI and office supply creation and production, AI and furniture production, AI and television production and technology AI and award production, AI and picture frames. I mentioned picture frames already, but I was talking about art. I mean, literally everything in my office is going to be reimagined by somebody who gets obsessed with that thing. AI and sports, AI and baseball within sports, AI and basketball within sports. AI and basketballs, baseballs in sports. Like, literally everything's going to get reimagined with the help of artificial intelligence. Because AI will make it better, more efficient. The process, the system, the way you go about it, and the product that gets output on the other side. Let me now talk about why most people will miss this. They'll just miss it. It's fear. The worst thing to fear is fear itself. Let me remind you of that. But it's fear. It's distraction. I talk about ignoring the noise in your life. You cannot create magic in noise. It's entitlement. You don't think this applies to you? You think that somehow the world's going to work out for you? No. God helps those who help themselves. And this is biblical. To be poor is not to not have anything. To be poor is not to not do anything. And lazy hands make a man poor. That's Proverbs in the Bible. So God helps those who help themselves. I'M trying to help you. I'm trying to be an agent here of God to help you to get moving so you don't get run over when you're being run out of town. Get in front of the crowd and make like a parade. Can I get an amen? It's not even a religious comment, but somebody, even the, not even the person who doesn't believe in anything or anyone or God, please say amen. This is everything. So real talk. And seriously, I don't want you to have an entitled mentality. That's not good for you. I don't want you to be distracted. That's not healthy for you. I don't want you to be fearful. That's not you. You are great. Worse, is somebody just waiting for someone to give them permission. No one's going to give you permission. No one's going to sit you down and walk you through this. Unless it's one of these people who start a business based on one of these ideas and goes and consults with you in their neighborhood. But other than that, you're going to have to do this for yourself. And if you don't do it now, I'm telling you, the world's gonna walk right past you. AI doesn't require you to be rich. I'm gonna repeat that. AI does not require you to be rich. This is mind blowing because for most other things, you gotta start with resources, money, connections, contacts. You gotta do something you gotta start with. You gotta have some starting place. This makes, this puts you at the same basic starting place as a multimillionaire, maybe even a billionaire. And maybe you're in a better position because you got hustle and you've got, and you're hungry for success. And maybe they're not. Maybe they're just sitting around chilling. I'll tell you something about wealth. First generation makes it, second generation spends it, third generation loses it. That's historic over thousands of years. So if you have the hustle of a first generation entrepreneur or small business owner or worker, somebody who's an immigrant or migrant or somebody with just, you know, bottoms up, hustle, and you're willing to work from can't see in the morning to can't see at night, and you're nosy, you're willing to get into this. How do you not succeed is what I'm thinking about. As my friend Tony Wrestler would say, if you don't quit, you can't fail. So AI doesn't require you to be rich. It requires you to be curious and Consistent. This is the new pick and shovel economy. Be the one handing out the tools. Can I get an amen? I'm gonna repeat that. This is the new pick and shovel economy. Be the one handing out the tools. Dr. Dorothy Height, God rest her soul, once told me, john, I like you because you're a dreamer with a shovel in your hands. I want you to be a drummer, a dreamer with a shovel in your hand. I want you to now have the right mindset to seize it. Okay? I want the work. I want you to have the right work ethic. All right? And in fact, I need you to have more work ethic than tech skills. Yes, this is different from science, technology, engineering, and math. Stem. This is different from coding. This is different from the computer class that you needed, the coding classes that you took where it took years and years and years and you had to get that right before you could do anything right? No, you don't need that with AI. I'm sorry, you don't. Now, computer skills may be better for other things like preparing the computer. And there's. There's places where coders and people got these computer skills. They will have a job and a place. But for this that I'm talking about here, you do not need to be a tech genius. You need to have a work ethic that's undeniable and some tech skills. Learn just enough to be dangerous. My friend Tim Burke would say, be dangerous from the neck up. I agree with him. In fact, I want you to be dangerous more than I want you to be famous. YouTube and ChatGPT are your mentors. Focus on adding value to others. AI is the tool. You are the bridge. I hope you guys are writing this down. If you don't rewind the podcast episode and listen to it with friends, listen to it with family. Share it with those you love. Pull out that pen and paper or that digital Inc. On your mobile device and create a business plan for your life based on what I'm telling you. Number six, I want you to have a call to action. The AI challenge. Challenge your audience that's in front of you. Your family members, your. Your. Your coworkers, your. Your loved ones, whoever your audience is. Maybe the audience, by the way, is yourself. But challenge that audience to pick one of these ideas. Let's start with the audience of you. Pick one of these 10 ideas and try it for the next 30 days. Just give it a shot, and even if you fail, you'll fall forward. Even if you're not doing that, you end up doing something Else I guarantee you no different than the advice I give to people about Operation Hope and the coaching and counseling we do with Operation Hope. People who have taken me up on that their lives have been transformed. If I have never had somebody who said I did what you told me to do about credit score, increasing your credit score, lowering debt, increasing savings and I didn't end up a better person, less drama, less stress, more opportunity, more optionality. I didn't have, I mean more self esteem. I've never met anybody who did what I instructed him them to do and their lives have not been transformed. I get stopped every day by people who tell me Operation Hope has transformed their life. There'll be a special announcement soon coming from Operation Hope where we're going to expand the work, our work of financial literacy and include AI literacy with it. Stay tuned for that. In the meantime, check out the AI Ethics Council that Sam Altman and I co chair. Check out the AI LP3, our partnership with Georgia State University and Mayor Andre Dickens and Atlanta Public Schools. That's some primer work for the work to come. But I want you to just fall forward. Don't be afraid. Don't let the perfect become the death of the good. Just step into this world. Invite people you love to try this and then collaborate with you in a bit of an informal club. And I want you to DM each other. I want you to tag each other on social media with the tagline write this down AI Rebuild Challenge. All right. And I'm going to be looking for that over the next weeks and months. I'm going to be looking for the AI Rebuild Challenge. And the rebuild is you. Right? But I want you to infect your friends and those you love with this new mindset starting with you. So one year from now you could be telling me you made your first $1,000 or your first $1,000,000. What you do today will decide that. Here are some tools for the trade for you. Which tools should you use? First of all, very much like we do at Operation Hope in the banking actor area, I don't tell you what to invest in. I tell you how to invest. I don't tell you what banking products or what bank to use. We give you options and you choose. I'm not going to tell you which things or companies to use, but I'm going to tell you ones that I think are credible and then you decide what you want to use. Here are some quick fire AI tools to start with. My favorite ChatGPT Canva Magic durable Co. That's Instant websites, Durable co pictory/Runway ML. That's AI videos, 11 Labs, that's voice AI opus clips, short form video opus clip agent GT GPT agent GPT God mode, dot space. These are build agents. So for that kid business I told you about, I gave you a example here of a tool you can use. You tell me in the comments when you see that this is a clip on social media, you tell me which one of these apps you use to start that website upgrading business. I want you inspired and educated. I want you to have a PhD and a PhD. I want you to have agency in your life. I want you to have hustle and belief. And I want you to understand the free enterprise system and capitalism can work for you. I want you to understand that AI is for everyone, not just for coders and techies. I wanted to give you today some practical action steps, not just theory. I hope that you felt empowered by this. I hope that you feel that there's something in here for you. If you want more on this topic, let me know and let me know what you want me to cover. And I'm happy to do that. I plan on doing this as a series I already have in mind episode two in this series. But you tell me what you want me to focus on. And also I'm bringing back a couple friends from a very popular AI episode I did with them because I think that they can add some context for the larger discussion of how this is going to change our world by 2030. So they're going to give you some theory and some strategy and some perspective. When I come back with Van Jones and others for that conversation, go back and read watch the prior episode we did is in season two this year. And again I'm going to give you a regular diet of this so that I walk you into the future so that you're not afraid. I want you to be bold. I want you to be audacious. I want you to believe in yourself. I didn't know a thing about AI two and a half years ago and now I use it, I don't know, 30, 50 times a day. As my co creator, I have one just to wrap this up, I have one product I use by Plod Plaud and I use it to record staff meetings and to record my ideas on the run. It's not just a transcription, it's artificial intelligence. This one's powered by ChatGPT and it will take my meeting or my comments on the run. It will summarize it, it'll give me a mind map of it. It'll give me transcripts of the meeting. It'll tell me what my to dos are, who I met with, what I promised them, the names I forgot. After the meeting it remembers. It gives me a to do list of what I need to follow up on. So you see AI is not going to take your job or do your job, but it will make it easier for you to be excellent at your job or your chosen profession. And if you don't do this, you can easily see I think why somebody else doing a job even have baked with AI will clock you doing your job excellent without it. This is John o'. Brien. I'm stepping you into the future and I'm taking you with me as I go. This is Money and wealth and please tell a friend. Let's go. 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 show.

A (53:57)

Foreign all new episode of 106 in Sports from executive producers LeBron James and Maverick Carter, Ashley, Nicole Moss and Cam Newton break down top moments in sports, culture and Entertainment. Check out 106 in sports on BET and next day on BET. Hey, it's Ryan Seacrest for Albertsons and Safeway this fall. Take care of the little ones in the family with Baby Club Savings now through November 4th. Spend $25 on select Baby Club products and save $5. Shop for items like Pediasure bottles, Pedialyte powder packs, Huggies, baby wipes, Huggies diapers, Gerber Puffs and Gerber pouches. And save $5 when you buy $25 or more on participating products. Offer ends November 4th. Restrictions apply. Offers may vary. Visit albertsons or safeway.com for more details. Ah, greetings from my bath festive friends. The holidays are overwhelming, but I'm tackling this season with PayPal and making the most of my money, getting 5% cash back when I pay in four. No fees, no interest. I used it to get this portable spa with jets. Now the bubbles can cling to my sculpted but pruny body. Make the most of your money this holiday holiday with PayPal save the offer in the app ends1231. See paypal.com promoter points can be redeemed for cash and more. Paying for subject to terms and approval. PayPal Inc. And MLS 910457 get ready to power up your play with Nintendo Switch 2. Power up the visuals with 4K support and a bigger, more vivid screen. Power up the fun with exclusive new games like Mario Kart World and Donkey Kong bonanza. Nintendo Switch 2 altogether, anytime anywhere games rated E to E10 plus games and systems sold separately. Compatible TV required for 4K display.

B (55:54)

This is an I Heart podcast.