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- [00:00]
John Hope Bryant
This is an iHeart podcast.
- [00:04]
Coca Cola Announcer
Whoa, what a vibe we've got, y'.
- [00:07]
Ryan Seacrest
All.
- [00:07]
Coca Cola Announcer
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. Mm, 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.
- [00:43]
John Hope Bryant
Black Friday's here and the Home Depot's got the best prices of the year. You can get up to 40% off.
- [00:48]
Coca Cola Announcer
Select Smart devices like the Ring Floodlight.
- [00:51]
John Hope Bryant
Camera, which is perfect for keeping your home safe during the holidays. Don't sleep. Upgrade your home into the smartest holiday home this season. Whether you're hosting family or throwing an annual holiday party, the Home Depot has savings on top brands and exclusive deals all in one place. It's your one stop shop for an entirely connecting home. So start shopping now@homedepot.com.
- [01:12]
State Farm Announcer
You'Ve been working in the garage with your dad every week, Monday to Sunday, trying to get the old school up and running. Today, after all the hard work, y' all finally finished it. Even better, your dad says. All yours, son. Yep. Same car that belonged to your grandpa that your dad helped him fix. It's yours. To really keep the tradition going, you need to get State Farm Insurance just like them generation to generation. Remember to choose the agents that your family counted on. Like a good neighbor, State Farm is there.
- [01:46]
Washable Sofas Announcer
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- [02:45]
Ryan Seacrest
Hey, it's Ryan Seacrest for Albertsons and Safeway. As winter approaches, make sure you set aside some time for self care now through December 2nd. Get great savings on personal care essentials when you shop in store or online. Buy two participating self care items and save $3. Shop for items like Tresemme Shampoo, Dove Shampoo, Dove Men's Care Body Wash, Dove Body Wash, and Axe Shower gel. And save $3 when you buy two or more items. Offer ends December 2nd. Restrictions apply. Offers may vary. Visit albertsons or safeway.com for more details.
- [03:16]
John Hope Bryant
Welcome to Money and Wealth with John Ho Bryant, a production of the Black Effect podcast network and iHeartRadio. Hey, hey, it's John Hope Bryant, and this is Money and Wealth and an exciting episode. I am talking about artificial intelligence once again, one of my very important focus areas for 2025 and 2026. We're doing as a whole series, so buckle up. So I'm in my office, downtown Atlanta, the offices for the global corporation. There was a time where everything happened here, or it didn't happen at all. If you weren't sitting behind one of these computers, if you were not sitting in one of these cubicles, if you're not in an office meeting, then nothing mattered. It didn't record. It didn't happen. You needed the infrastructure. You needed this system. And before this there was another system. And now we're about to experience a whole new way of life through AI. And it doesn't require you to sit in this office building. Now, we gather here for a different reason. It's building culture. I think culture is cool. I like making smart sexy, as you know, one of my phrases. And I think that by getting people together and gathering, it matters. But for you to benefit from the power of artificial intelligence, you don't necessarily need all this infrastructure that I have and that we've paid millions of dollars for. You can do this right from where you sit. I don't want you to be afraid of AI. I don't want you to be pushing away from the table because you're afraid that artificial intelligence is going to take your job. I'm thinking about people who occupy the seats of my company. I've told them, and I'm telling you what I told them. Your job's not going to be replaced by AI. Your job is going to be replaced by someone who can use AI. And I hope it's you as in them. But one thing that's absolutely the case. Everybody's got to become comfortable with artificial intelligence Very quickly, this is not optional. It's not the cassette tape. This is not the dvd. This is not a movement to digital music or something. This is not even the Internet, which was quite powerful. You had an option of whether you wanted to use it or not. This is not that there are no options. This is the new world. And I want to teach you, I want to inspire you to participate in it. So let me explain. Explain first where we came from so that you understand how powerful this moment is and what it compares to. I've told you, it doesn't compare to, you know, any other sort of transformations in American society. So let's. We'd have to go back a hundred years. We'd have to come back 125 years. We have to go back almost 200 years. To give you a snapshot of what this moment looks like, think about 1850, the horse and buggy. Think about 1860, 1870, 18, 1880, 1890, 1900. Those periods were defined by the horse and buggy. It was defined by the horse. The horse was machinery. The horse was luxury. The horse was wealth. The horse was transportation. The horse was flossing. Right. Think about the Mercedes of this day, that was your horse. Think about your Louis Vuitton. Whatever it is that you think is flossing, that was a horse. Whatever you believe is wealth, that was horse. However you brought in your crops, that was led by the horse. In fact, 1 out of 10 jobs in 1870, ish. 1 out of 10 jobs was a farrier. A farrier is somebody who changes horseshoes. And my guess is a number of other jobs were tied to folks tied to the farrier. So the folks who gave the metal for the horseshoes or the iron, the folks who gave the staples or the mini nails, the tacks, the horseshoe hammer, all of the pieces, the medicines, case there was an infection. A lot of industries ground up around a farrier. This was everything. We got the word phrase horsepower from the horse being the center of our universe. But by 1901, you had a surge of automobile companies. This new invention that showed up. By 1910, you had 100 automobile companies. A lot of them failed, by the way. But by 1910, one thing was absolutely sure. The most valuable use of the horse. I'm sorry to hurt the feelings of horse lovers. I don't mean this intentional. This is not personal. I'm just telling you what history says. The most valuable thing for a horse by 1920 or 1910, ish, was glue. As in horse glue or horse as glue. The automobile changed everything. So we're going to go that took 60 years, ladies and gentlemen. We're going to go from the horse being the center of the universe to the automobile that was 60 years, to labor of human beings with the beginning of industrialization. We're to go from being labor centric to technology centric in six years between 2025, 2024, I really believe is when it started in 2030. By 2030, you won't recognize the world as we know it today. But don't be afraid, right? I want you to be empowered. I want you to embrace this. So I'm here to talk to you today. If you got limited times and you want your friends to listen to this episode, I want you to tell them to start around marker 7 minute 7 where John Bryant gets into this. So the title of this podcast today is Rebuilding the World with AI Millionaire Opportunities hiding in plain Sight. Get out your pen and pencil or your iPad or your iPhone or your Android, whatever it is you take notes on. Let's time. It's time to take the time to write the future of time for yourself. So start writing your business plan because if you're not writing it, it's not real. What's the difference between a hustler and a businessman? Or a businesswoman? Paperwork, Details, documentation. I want you to document this because this just might be one of the most important conversations in your life because it's going to help you to pivot. Let me tell you what AI is not very quickly. It's not checking sports results. You can do that on it with an Internet search. This is not a fancy Internet search. Right. This is the beginning of everything artificial intelligence. I use AI as my co creator in my life. That's right. I use artificial intelligence as a co creator in my life. So as I'm doing something, I turn to artificial intelligence to help me make up time, to quicken things, to cut through the the haze. But I know what I want to get to. I know what I'm trying to solve. I use this global machine of artificial intelligence to help me get there. That's just, that's my purposes. Now. Let me tell you in a practical way. You, I'm talking to you now. Somebody who's not in an office building, not running a multimillion dollar corporation. Not saying you're not. I'm saying this is the average person. What can you do? So let me tell you this quick story about a young man and I want to give Gary Vee credit for inspiring me to do this as an example, a young man or young woman who's 14 or 15 years of age and they have mastered artificial intelligence. They have gotten this down. They are a techno geek like I grew up being a techno geek. They're in a small town or a medium sized city and they're going to start calling around to small businesses and saying Mr. And Mrs. Small Business, you have a website that you paid 4,000, 5,000, maybe $20,000 for. Let's just put, pick a middle range, $5,000 for that website five years ago, eight years ago. It's outdated. I can, I will, with the help of artificial intelligence and plugging you into E commerce like Shopify, et cetera, I'm going to redo your whole website and update it for $500. So it costs you 5,000. I'm willing to update it for 500. How many takers do you think that young man or young woman would get on that little idea? I'm gonna let you think about that for a moment because if somebody had called me with that offer as a hustling small business owner who. I don't have time to change my mind. I don't have time to check my website. I don't understand artificial intelligence. I'm trying to meet payroll. I got too much money. At the end of my money I'm hustling from can't see in the morning to can't see at night. I would say yes, sure. Particularly if he sounded like he knew what he was talking about. If that young man, if that kid using AI tools like ChatGPT, my favorite. I'm co chair of the AI Ethics Council with my friend Sam Altman. Or Wix, AI Wix or Shopify Magic, right. Or all the other tools. Google and everybody else has their own tools now, right? I would charge $500 if I was this kid and I would see the business immediately lift. And if the kid does 10 of these a month, that's $5,000, do it for a year, that's $60,000. This is middle class income. Now add some strategy, you've got a six figure business. Add a team, you got a million dollar agency. Let me be very specific. As you know, I like math because it doesn't have an opinion. That's a Melody Hobson quote that I have co opted and I give her credit for it, she's a friend. If you did. If this young man or young woman in a medium sized city targeted this strategy on dominating this area of AI upgrading of software and did over the course of a year 2000 contracts for $500 each, which again, these are not crazy numbers. That young man or young woman would be a millionaire on paper. In other words, they'd have a million dollar revenue business at 2,000 contracts. And that's 160 contracts, give or take a month. It's not unreasonable. 160 contracts a month is about five new contracts, six new contracts a day. Now you have to be really assertive to do that as a person, as an individual. But think if you had a team of three or four people doing this, three or four young people with endless boundless energy just walking door to door, knocking on doors, saying, can I upgrade your website? Can I upgrade your website? Sign here. This new contract can upgrade your website. Sign here. We'll schedule you. And then once you got three or four of these signed up, then you use that as credibility to go get some others signed up. Because you say, look, I've got Joe, Jack and Schmo around the corner who've already signed a contract with me. You couldn't show the contract privacy rules, but you could sell. Tell the new client, the new prospective client, who the other clients were that have signed up to your business. And now the new ones want to sign up because the, oh, because the risk is already rung out of this model. You've gotten other people to take the risk on you. So they say, yes, I'll do it too. This is not a very complicated example, is it? What if I told you that everything around you, literally everything, is about to be rebuilt with artificial intelligence, with AI, and you can be the one to do it. Now, I just gave you again, that was inspired by Gary V. But there's so many examples that you can now imagine for yourself. And I'm going to help you with some of those. Let's now think about the great AI. Rebuild. Every industry, every tool, every process is being completely reimagined right now. The fear is out front in everybody's minds. Because if you're a corporate leader today, racing with your competitor, these are big companies now to invest in AI. Essentially what you're doing is trying to become what they call efficient. And there's a guesstimate now that artificial intelligence will increase businesses efficiency by about 30%. That means in the short term, extraction. It means anything that can be processed, remove it, repetitive process, remove it, replace it with automation, robotics, artificial intelligence technology, et cetera. That means people in the short term. So the fear in everybody's mind is I'm going to lose my job. And if you're in customer service or some of these low level fields. That might be actually the case. If you're making six figures in the business that you're in can be processed then in time. If you're working for somebody else, that might mean you too. Yes. What did I say to you earlier? You're not going to lose your job because of AI or to AI. You're going to lose your job to somebody who can use AI I want to teach you now how to use AI so you can make money and build wealth. Limu Emu 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. Limu is that guy with the binoculars watching us. Cut the camera. They see us.
- [19:43]
Ryan Seacrest
Only pay for what you need@libertymutual.com Liberty Liberty.
- [19:47]
John Hope Bryant
Liberty. Liberty Savings.
- [19:49]
Ryan Seacrest
Very unwritten by Liberty Mutual Insurance Company and affiliates.
- [19:50]
John Hope Bryant
Excludes Massachusetts.
- [19:51]
Coca Cola Announcer
Whoa, what a vibe we've got y'.
- [19:53]
Ryan Seacrest
All.
- [19:54]
Coca Cola Announcer
As always, it's classic HBCU energy. Non stop 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. Mm, 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.
- [20:30]
State Farm Announcer
The wait was worth it. Positive affirmations and all the hard work. The keys to your dream home from the vision board have been secured. I see you. A whole new future awaits your planning. From top notch decor but on a budget to late night backyard summer cookouts. Life feels good. Now comes the time to fill it with memories. What will you host first? Maybe movie night, Game night. Stories that make us laugh. And spades tournaments that make us cry. First you need to get movers and new furniture. And what about party favors? Will there be a theme? Of course it's theme. Because you're always doing the most. Oh yeah. The food to cook or order out. Don't forget to put it in the group chat so everybody can all ready to see who gonna be there. All that planning can be stressful. But insuring your home shouldn't be. And that's where State Farm comes in. Because State Farm agents can help you choose the coverage you need. Just call, go online or check out the app. An agent is ready to help so you can focus on showing off your new home. If you know you know like a good neighbor, State Farm is there.
- [21:42]
Washable Sofas Announcer
There's nothing like sinking into luxury. Annabe sofas combine ultimate comfort and design at an affordable price. Annabe has designed the only fully machine washable sofa from top to bottom. The stain resistant performance fabric slipcovers and cloud like frame duvet can go straight into your wash. Perfect for anyone with kids, pets or anyone who loves an easy to clean spotless sofa. With a modular design and changeable slipcovers, you can customize your sofa to fit any space and style. Whether you need a single chair, chair, loveseat or a luxuriously large sectional, Annabe has you covered. Visit washablesofas.com to upgrade your home. Sofas start at just $699 and right now get early access to Black Friday savings up to 60% off storewide with a 30 day money back guarantee. Shop now@washablesofas.com Add a little to your life. Offers are subject to change and certain restrictions may apply.
- [22:43]
Ryan Seacrest
Hey, it's Ryan Seacrest for Albertsons and Safeway. As winter approaches, make sure you set aside some time for self care now through December 2nd. Get great savings on personal care essentials when you shop in store or online. Buy two participating self care items and save $3. Shop for items like Tresemme Shampoo, Dove Shampoo, Dove Men's Care Body Wash, Dove Body Wash and Axe Shower gel and save $3 when you buy two or more items. Offer ends December 2nd. Restrictions apply. Offers may vary. Visit albertsons or safeway.com for more details.
- [23:19]
John Hope Bryant
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 groupcompanies.com that's 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 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, et cetera. 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. 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, the, the, 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 to 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, there'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 that 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 is 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 them 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 Roebucks 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 do as a consultant, you can do it as a cost saving analysis. Anyway, there's a huge, huge opportunity there. Most of America are small businesses, by the way, they call 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 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 9 to 5 finance your 5 to 9 work somebody's job. Get their get their healthcare, 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 or and or community newsletter with AI. 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 don't 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 this 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.
- [37:15]
Washable Sofas Announcer
Did you know Tide has been upgraded to provide an even better Clean in cold water. Tide is specifically designed to fight any stain you throw at it. Even in cold butter. Yep. Chocolate ice cream. Sure thing, barbecue sauce. Tide's got you covered. You don't need to use warm water. Additionally, Tide pods let you confidently fight tough stains with new coldzyme technology. Just remember, if it's gotta be clean, it's gotta be Tide.
- [37:44]
State Farm Announcer
What a matchup we got, y'.
- [37:46]
Ryan Seacrest
All.
- [37:46]
John Hope Bryant
This is that classic HBCU vibe. Non stop action. The band is rockin' and the crowd lit Chance echo drum beat Everybody show that school pride. A game like this.
- [37:58]
State Farm Announcer
Yeah.
- [37:58]
John Hope Bryant
It calls for an ice cold Coca Cola. Ah, crisp and refreshing. That's a game changer right there. Yeah, that taste always hits the right note. Just like the band at halftime. And just like that, we're back at it. Passionate fans, school colors everywhere. And an ice cold Coca Cola. That's a winning combo. No matter the sport, no matter the yard. Everybody knows fan work is thirsty work.
- [38:26]
State Farm Announcer
So grab a Coca Cola and keep.
- [38:28]
John Hope Bryant
That HBCU pride going.
- [38:31]
State Farm Announcer
The wait was worth it. Positive affirmations and all the hard work. The keys to your dream home from the vision board have been secured. I see you. A whole new future awaits your planning. From top notch decor, but on a budget to late night backyard summer cookouts, life feels good. Now comes the time to fill it with memories. What will you host first? Maybe movie night. Game night. Stories that make us laugh. And spades tournaments that make us cry. First you need to get movers and new furniture. And what about party favors? Will there be a theme? Of course it's theme. Because you're always doing the most. Oh yeah, the food to cook or order out. Don't forget to put it in the group chat so everybody can already see who going to be there. All that planning can be stressful, but insuring your home shouldn't be. And that's where State Farm comes in. Because State Farm agents can help you choose the coverage you need. Just call, go online or check out the app. An agent is ready to help so you can focus on showing off your new home. If you know, you know. Like a good neighbor, State Farm is there.
- [39:44]
Washable Sofas Announcer
Life gets messy. Spills, stains and kid chaos. But with anime, cleaning up is easy. Our sofas are fully machine washable inside and out, so you never have to stress about messes again. Made with liquid and stain resistant fabrics, that means fewer stains and more peace of mind. Designed for real life, our sofas feature changeable fabric covers allowing you to refresh your style anytime. Need flexibility? Our Modular design lets you rearrange your sofa effortlessly. Perfect for cozy apartments or spacious homes. Plus, they're earth friendly and built to last. That's why over 200,000 happy customers have made the switch. Get early access to Black Friday pricing right now. Sofas started just $699. Visit washablesofas.com now and bring home a sofa made for life. That's washablesofas.com offers are subject to change and certain restrictions may apply.
- [40:44]
Ryan Seacrest
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- [41:20]
John Hope Bryant
Okay, I'm going to 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 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 going to walk right past you. AI doesn't require you to be rich. I'm going to repeat that. AI does not require you to be rich. This is mind blowing because for most other things, you got to start with resources, money, connections, contacts. You got to do something. You got to start with. You got to 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 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, small business owner or worker, somebody who's an immigrant or migrant, or somebody with just know, bottoms up, hustle, and you are 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 Reser 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've 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, not 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 lives. There'll be a special announcement soon coming from Operation Hope where we're going to expand 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 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 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. It's 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 Plaud 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.
- [58:07]
Coca Cola Announcer
Whoa, what a vibe we've got y'.
- [58:08]
Ryan Seacrest
All.
- [58:09]
Coca Cola Announcer
As always, it's classic HBCU energy. Non stop 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.
- [58:26]
State Farm Announcer
Mm.
- [58:27]
Coca Cola Announcer
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.
- [58:45]
John Hope Bryant
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. Uh, Limu is that guy with the binoculars watching us? Cut the camera. They see us.
- [59:07]
Ryan Seacrest
Only pay for what you need@liberty mutual.com.
- [59:09]
John Hope Bryant
Liberty Liberty Liberty Liberty Savings Ferry Unwritten.
- [59:13]
Ryan Seacrest
By Liberty Mutual Insurance Company and affiliates Excludes Massachusetts Ah, greetings from my bath festive friends. The holidays are over. Overwhelming. But I'm tackling this season with PayPal and making the most of my money. Getting 5% cash back when I pay in 4.
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John Hope Bryant
No fees, no interest.
- [59:28]
Ryan Seacrest
I used it to get this portable spa with jets. Now the bubbles can cling to my.
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John Hope Bryant
Sculpted but pruny body.
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Ryan Seacrest
Make the most of your money this holiday with PayPal. Save the offer in the app ends 1231.
- [59:39]
John Hope Bryant
See paypal.com promoter points can be redeemed for cash and more.
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Ryan Seacrest
Paying for subject to terms and approval. PayPal Inc. And MLS 910457Amazon Five Star.
- [59:46]
John Hope Bryant
Theater presents real customer reviews performed by a real serious improv podcaster. Tonight's review Furby I bought a Furby as a nostalgic joke. Joke's on me. Day 1 Adorable giggles wiggles its ears, says me love you. Day 3 Woke me up at 3am Whispering in Furbish. I think it summoned something. Day 5 I'm starting ask it for life advice. Day 7 Blink at me like it knew I blinked back. We've reached an understanding. I fear it. I love it. 5 stars Aaron M. Find your perfect gift this holiday on Amazon.
- [60:24]
Coca Cola Announcer
You know what a girl's best friend.
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Washable Sofas Announcer
Is not diamonds her lawyers.
- [60:28]
John Hope Bryant
From executive producer Ryan Murphy comes a fiery new legal drama.
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Washable Sofas Announcer
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John Hope Bryant
You can't afford to miss.
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Washable Sofas Announcer
Make it ring. Showtime, ladies. Stand up straight and breeze into that room like a storm no one saw coming.
- [60:47]
John Hope Bryant
Hulu Original Series All's Fair now streaming on Hulu and Hulu on Disney plus for bundle subscribers terms apply. This is an I Heart podcast.