[Applause] it’s Saturday morning and the Gantt man
it’s Saturday morning and the Gantt man
it’s Saturday morning and the Gantt man has made a declaration we are going to
has made a declaration we are going to
has made a declaration we are going to host our first manly man male-bonding
host our first manly man male-bonding
host our first manly man male-bonding breakfast now if you don’t know anything
breakfast now if you don’t know anything
breakfast now if you don’t know anything about men we think better with food so
about men we think better with food so
about men we think better with food so we picked a great restaurant so we’re at
we picked a great restaurant so we’re at
we picked a great restaurant so we’re at a restaurant and we’ve decided that it’s
a restaurant and we’ve decided that it’s
a restaurant and we’ve decided that it’s time for us to conquer some of our
time for us to conquer some of our
time for us to conquer some of our problems of the world and in doing that
problems of the world and in doing that
problems of the world and in doing that we decided that we needed to get going
we decided that we needed to get going
we decided that we needed to get going so we’re a breakfast and just like every
so we’re a breakfast and just like every
so we’re a breakfast and just like every other man you’re like what do we do we
other man you’re like what do we do we
other man you’re like what do we do we you know you really need a woman to help
you know you really need a woman to help
you know you really need a woman to help you get started so we do what we men do
you get started so we do what we men do
you get started so we do what we men do best small talk we talked about sports
best small talk we talked about sports
best small talk we talked about sports like why did my dad like the Cleveland
like why did my dad like the Cleveland
like why did my dad like the Cleveland Browns I mean nobody likes the Cleveland
Browns I mean nobody likes the Cleveland
Browns I mean nobody likes the Cleveland Browns we talked about politics we
Browns we talked about politics we
Browns we talked about politics we talked about religion we all go to the
talked about religion we all go to the
talked about religion we all go to the same church and finally we get to the
same church and finally we get to the
same church and finally we get to the point to where we actually cross about
point to where we actually cross about
point to where we actually cross about what’s going on in modern world we were
what’s going on in modern world we were
what’s going on in modern world we were going through a major real estate bubble
going through a major real estate bubble
going through a major real estate bubble and the market had blown up and I was
and the market had blown up and I was
and the market had blown up and I was with my family so I felt really
with my family so I felt really
with my family so I felt really comfortable comfortable with them saying
comfortable comfortable with them saying
comfortable comfortable with them saying you know I feel like I’m real estate
you know I feel like I’m real estate
you know I feel like I’m real estate poor and we bought this big house and
poor and we bought this big house and
poor and we bought this big house and the deal was was that years before I had
the deal was was that years before I had
the deal was was that years before I had purchased the most amazing house five
purchased the most amazing house five
purchased the most amazing house five acres of land five bedrooms six and a
acres of land five bedrooms six and a
acres of land five bedrooms six and a half baths all on the most amazing lake
half baths all on the most amazing lake
half baths all on the most amazing lake that you could ever want to see so my
that you could ever want to see so my
that you could ever want to see so my dad pipe something he says dude you’re
dad pipe something he says dude you’re
dad pipe something he says dude you’re the financial guru of the family I
the financial guru of the family I
the financial guru of the family I thought you had all this under control
thought you had all this under control
thought you had all this under control now as you know us men we’re not big
now as you know us men we’re not big
now as you know us men we’re not big talkers so I had never asked my dad for
talkers so I had never asked my dad for
talkers so I had never asked my dad for advice and he had never offered advice
advice and he had never offered advice
advice and he had never offered advice to be totally honest with you my mother
to be totally honest with you my mother
to be totally honest with you my mother gave us the sex talk
gave us the sex talk
gave us the sex talk true so he pipes up and he begins to say
true so he pipes up and he begins to say
true so he pipes up and he begins to say and mention everything that anyone would
and mention everything that anyone would
and mention everything that anyone would want to know err consider before you
want to know err consider before you
want to know err consider before you make a major purchase like that so I
make a major purchase like that so I
make a major purchase like that so I immediately you know as a as a
immediately you know as a as a
immediately you know as a as a professional I’m thinking and I’m like
professional I’m thinking and I’m like
professional I’m thinking and I’m like well you know my friends haven’t been
well you know my friends haven’t been
well you know my friends haven’t been real good to me
real good to me
real good to me ego Prai silence I said I need a new set
ego Prai silence I said I need a new set
ego Prai silence I said I need a new set of friends so I began to think about
of friends so I began to think about
of friends so I began to think about this and I said I need to be more open I
this and I said I need to be more open I
this and I said I need to be more open I need to ask more questions I need to be
need to ask more questions I need to be
need to ask more questions I need to be more vulnerable so with that I said you
more vulnerable so with that I said you
more vulnerable so with that I said you know I have to begin to figure out how
know I have to begin to figure out how
know I have to begin to figure out how to do this and it wasn’t easy it wasn’t
to do this and it wasn’t easy it wasn’t
to do this and it wasn’t easy it wasn’t easy it wasn’t it was so difficult that
easy it wasn’t it was so difficult that
easy it wasn’t it was so difficult that I’m gonna ask you to help me figure out
I’m gonna ask you to help me figure out
I’m gonna ask you to help me figure out so you could figure out what it felt
so you could figure out what it felt
so you could figure out what it felt like for me to be vulnerable so what I
like for me to be vulnerable so what I
like for me to be vulnerable so what I want you to do I want you to drop your
want you to do I want you to drop your
want you to do I want you to drop your inhibitions I know you’ve had a lot of
inhibitions I know you’ve had a lot of
inhibitions I know you’ve had a lot of serious talks drop your inhibitions take
serious talks drop your inhibitions take
serious talks drop your inhibitions take a deep breath and I simply want you to
a deep breath and I simply want you to
a deep breath and I simply want you to turn to your neighbor and ask your
turn to your neighbor and ask your
turn to your neighbor and ask your neighbor how much money
exactly now listen your discomfort comes
exactly now listen your discomfort comes from the fact that talking about money
from the fact that talking about money
from the fact that talking about money is the single largest taboo that we’ve
is the single largest taboo that we’ve
is the single largest taboo that we’ve left we talk about everything nowadays
left we talk about everything nowadays
left we talk about everything nowadays if you don’t know it asking someone how
if you don’t know it asking someone how
if you don’t know it asking someone how much money they make is a major nono we
much money they make is a major nono we
much money they make is a major nono we don’t do it personally we don’t do what
don’t do it personally we don’t do what
don’t do it personally we don’t do what at work you know I dated someone I still
at work you know I dated someone I still
at work you know I dated someone I still don’t know how much money she makes all
don’t know how much money she makes all
don’t know how much money she makes all right so you just don’t do it so in the
right so you just don’t do it so in the
right so you just don’t do it so in the process of well what happens if I do
process of well what happens if I do
process of well what happens if I do well check out my man here his name is
well check out my man here his name is
well check out my man here his name is Greg guy Greg worked for Twitter for two
Greg guy Greg worked for Twitter for two
Greg guy Greg worked for Twitter for two days before a three year old old
days before a three year old old
days before a three year old old Facebook post resurfaced where he had
Facebook post resurfaced where he had
Facebook post resurfaced where he had ridicule some homeless people in San
ridicule some homeless people in San
ridicule some homeless people in San Francisco now if you didn’t hear what I
Francisco now if you didn’t hear what I
Francisco now if you didn’t hear what I said he worked there two days because
said he worked there two days because
said he worked there two days because the taboo of criticizing the homeless
the taboo of criticizing the homeless
the taboo of criticizing the homeless got him fired we talked about everything
got him fired we talked about everything
got him fired we talked about everything we talked about politics
we talked about politics
we talked about politics how many of you have lost friends lately
how many of you have lost friends lately
how many of you have lost friends lately talking about politics
talking about politics
talking about politics I mean seriously right we talked about
I mean seriously right we talked about
I mean seriously right we talked about religion we talked about sex
religion we talked about sex
religion we talked about sex remember when you thought Fifty Shades
remember when you thought Fifty Shades
remember when you thought Fifty Shades of Grey was just the color palette now
of Grey was just the color palette now
of Grey was just the color palette now everybody knows what the Red Room is so
everybody knows what the Red Room is so
everybody knows what the Red Room is so if you notice we have talked about
if you notice we have talked about
if you notice we have talked about everything and we feel comfortable
everything and we feel comfortable
everything and we feel comfortable talking about everything except for the
talking about everything except for the
talking about everything except for the one thing that divides us the most money
one thing that divides us the most money
one thing that divides us the most money it is not uncommon for us to see wealthy
it is not uncommon for us to see wealthy
it is not uncommon for us to see wealthy people look at poor and poor people look
people look at poor and poor people look
people look at poor and poor people look and act rich I mean it is the
and act rich I mean it is the
and act rich I mean it is the straightest thing in the universe I
straightest thing in the universe I
straightest thing in the universe I regularly have clients that come see me
regularly have clients that come see me
regularly have clients that come see me and they’re they’re pretty much a
and they’re they’re pretty much a
and they’re they’re pretty much a wealthy clients and they show up in
wealthy clients and they show up in
wealthy clients and they show up in khakis Levi’s some some work shoes they
khakis Levi’s some some work shoes they
khakis Levi’s some some work shoes they get out of a pickup truck
get out of a pickup truck
get out of a pickup truck and they come in and you would never
and they come in and you would never
and they come in and you would never know they had a dime and I have other
know they had a dime and I have other
know they had a dime and I have other clients that are less substantial and
clients that are less substantial and
clients that are less substantial and they show up in an outfit with designer
they show up in an outfit with designer
they show up in an outfit with designer outfit from Tom Ford and I automobiles
outfit from Tom Ford and I automobiles
outfit from Tom Ford and I automobiles is worth half the price of their home
is worth half the price of their home
is worth half the price of their home and the question we begin to ask
and the question we begin to ask
and the question we begin to ask ourselves is how can this be why do we
ourselves is how can this be why do we
ourselves is how can this be why do we do it and what we have to come
do it and what we have to come
do it and what we have to come understand is that the taboo of
understand is that the taboo of
understand is that the taboo of discussing money makes us embarrassed
discussing money makes us embarrassed
discussing money makes us embarrassed it makes us fearful so we take a look
it makes us fearful so we take a look
it makes us fearful so we take a look and we take a step back and we say well
and we take a step back and we say well
and we take a step back and we say well why should I care you should care
why should I care you should care
why should I care you should care because we live in the most abundant
because we live in the most abundant
because we live in the most abundant society in the world at the best time
society in the world at the best time
society in the world at the best time ever and people are silently suffering
ever and people are silently suffering
ever and people are silently suffering in financial desperation now wealthy
in financial desperation now wealthy
in financial desperation now wealthy people will go out and they’ll say hey I
people will go out and they’ll say hey I
people will go out and they’ll say hey I need to hire somebody and we saw this in
need to hire somebody and we saw this in
need to hire somebody and we saw this in the last election they’ll hire somebody
the last election they’ll hire somebody
the last election they’ll hire somebody to make them save more money on taxes
to make them save more money on taxes
to make them save more money on taxes and things while the rest of us we’re in
and things while the rest of us we’re in
and things while the rest of us we’re in the library or the bookstore looking for
the library or the bookstore looking for
the library or the bookstore looking for it look call investments for dummies all
it look call investments for dummies all
it look call investments for dummies all right so we have to be careful to
right so we have to be careful to
right so we have to be careful to understand that it is a stigma and a
understand that it is a stigma and a
understand that it is a stigma and a taboo so I was looking at some
taboo so I was looking at some
taboo so I was looking at some statistics you are not going to believe
statistics you are not going to believe
statistics you are not going to believe this seventy five percent of working
this seventy five percent of working
this seventy five percent of working American families are living check to
American families are living check to
American families are living check to check that means they have less than
check that means they have less than
check that means they have less than $400 anywhere I mean think about this
$400 anywhere I mean think about this
$400 anywhere I mean think about this they are one emergency away from a
they are one emergency away from a
they are one emergency away from a market from a personal crisis just one
market from a personal crisis just one
market from a personal crisis just one emergency last week this is not a lie
emergency last week this is not a lie
emergency last week this is not a lie last week I got a flat tire that cost me
last week I got a flat tire that cost me
last week I got a flat tire that cost me four hundred fifty dollars and this then
four hundred fifty dollars and this then
four hundred fifty dollars and this then the stim on a different tire broke and
the stim on a different tire broke and
the stim on a different tire broke and that cost me $400 just one emergency
that cost me $400 just one emergency
that cost me $400 just one emergency away from not being able to drive to get
away from not being able to drive to get
away from not being able to drive to get to work
to work
to work for most of our American families and
for most of our American families and
for most of our American families and you might say well thank God dudes not
you might say well thank God dudes not
you might say well thank God dudes not talking to me I got 400 bucks right but
talking to me I got 400 bucks right but
talking to me I got 400 bucks right but the reality is is that this affects all
the reality is is that this affects all
the reality is is that this affects all of us so I’ll tell you on a whim they
of us so I’ll tell you on a whim they
of us so I’ll tell you on a whim they might in my little traffic pattern one
might in my little traffic pattern one
might in my little traffic pattern one of my buddies has a small business and
of my buddies has a small business and
of my buddies has a small business and it’s not really small I call it small so
it’s not really small I call it small so
it’s not really small I call it small so I stopped by and I get past the
I stopped by and I get past the
I stopped by and I get past the gatekeeper and this dude’s got the best
gatekeeper and this dude’s got the best
gatekeeper and this dude’s got the best policy ever he always allows anyone
policy ever he always allows anyone
policy ever he always allows anyone that’s a family or friend that they stop
that’s a family or friend that they stop
that’s a family or friend that they stop or call him he will stop what he’s doing
or call him he will stop what he’s doing
or call him he will stop what he’s doing he’ll
he’ll
he’ll tame them or communicate with them so I
tame them or communicate with them so I
tame them or communicate with them so I get by the gatekeeper and I get into his
get by the gatekeeper and I get into his
get by the gatekeeper and I get into his office and I see dude it’s like he’s
office and I see dude it’s like he’s
office and I see dude it’s like he’s like staring at his computer and he’s
like staring at his computer and he’s
like staring at his computer and he’s really kind of upset and I had never
really kind of upset and I had never
really kind of upset and I had never seen his dude upset over the last five
seen his dude upset over the last five
seen his dude upset over the last five six years so I looked at him he weighs
six years so I looked at him he weighs
six years so I looked at him he weighs me in and I said hey you look a little
me in and I said hey you look a little
me in and I said hey you look a little intense should I come back he said no no
intense should I come back he said no no
intense should I come back he said no no no maybe you can help me with something
no maybe you can help me with something
no maybe you can help me with something I said okay well what can I help you
I said okay well what can I help you
I said okay well what can I help you with he said I’m looking at my son’s
with he said I’m looking at my son’s
with he said I’m looking at my son’s bank statement and his accounts
bank statement and his accounts
bank statement and his accounts overdrawn and I said well why are you
overdrawn and I said well why are you
overdrawn and I said well why are you looking at your son’s bank statement he
looking at your son’s bank statement he
looking at your son’s bank statement he said you know my son say no more
said you know my son say no more
said you know my son say no more so he’s looking in this son’s bank
so he’s looking in this son’s bank
so he’s looking in this son’s bank statement and it counts negative and I
statement and it counts negative and I
statement and it counts negative and I said well why are you so there’s
said well why are you so there’s
said well why are you so there’s negative
negative
negative he said I’m upset because I just paid
he said I’m upset because I just paid
he said I’m upset because I just paid dude two days ago and I was like okay I
dude two days ago and I was like okay I
dude two days ago and I was like okay I said I pretty much can tell you what
said I pretty much can tell you what
said I pretty much can tell you what happened he says how can you tell what
happened he says how can you tell what
happened he says how can you tell what happened him looking at the computer I
happened him looking at the computer I
happened him looking at the computer I said let me tell you what happened
said let me tell you what happened
said let me tell you what happened so young will was doing what what 22
so young will was doing what what 22
so young will was doing what what 22 year olds do he overspent you know it’s
year olds do he overspent you know it’s
year olds do he overspent you know it’s easy to do when you just swipe the card
easy to do when you just swipe the card
easy to do when you just swipe the card cuz there’s no checking balance marks I
cuz there’s no checking balance marks I
cuz there’s no checking balance marks I said you overspent and he was too
said you overspent and he was too
said you overspent and he was too embarrassed or scared to go to his rich
embarrassed or scared to go to his rich
embarrassed or scared to go to his rich dad and say dad I’m broke I overspent I
dad and say dad I’m broke I overspent I
dad and say dad I’m broke I overspent I need some money so what he did was he
need some money so what he did was he
need some money so what he did was he went to the bank and he got an early
went to the bank and he got an early
went to the bank and he got an early access loan and then he said whoa whoa
access loan and then he said whoa whoa
access loan and then he said whoa whoa whoa and then nothing
whoa and then nothing
whoa and then nothing what’s an early access well I said you
what’s an early access well I said you
what’s an early access well I said you don’t know what the payday loan is he’s
don’t know what the payday loan is he’s
don’t know what the payday loan is he’s like no I said you don’t know what a pay
like no I said you don’t know what a pay
like no I said you don’t know what a pay cheque advances he said do what is it I
cheque advances he said do what is it I
cheque advances he said do what is it I said okay here we go
said okay here we go
said okay here we go a payday loan is when you go to your
a payday loan is when you go to your
a payday loan is when you go to your bank and in this case you don’t have to
bank and in this case you don’t have to
bank and in this case you don’t have to leave your phone or your computer and
leave your phone or your computer and
leave your phone or your computer and you click a button that says hey if I
you click a button that says hey if I
you click a button that says hey if I make $1,000 I want you to advance me
make $1,000 I want you to advance me
make $1,000 I want you to advance me seven hundred bucks right and then on
seven hundred bucks right and then on
seven hundred bucks right and then on the next payday
the next payday
the next payday as soon as I get my check the loan shark
as soon as I get my check the loan shark
as soon as I get my check the loan shark I’m sorry the bank
I’m sorry the bank
I’m sorry the bank once their money back so they get their
once their money back so they get their
once their money back so they get their money back plus they charge you a fee
money back plus they charge you a fee
money back plus they charge you a fee 10% 15% 20% 29% let’s just say it’s 10%
10% 15% 20% 29% let’s just say it’s 10%
10% 15% 20% 29% let’s just say it’s 10% that leaves young will two hundred and
that leaves young will two hundred and
that leaves young will two hundred and thirty dollars now he goes but his
thirty dollars now he goes but his
thirty dollars now he goes but his accounts negative I said I’m not done
accounts negative I said I’m not done
accounts negative I said I’m not done I’m gonna tell you what he did so what
I’m gonna tell you what he did so what
I’m gonna tell you what he did so what he did was he went out and he
he did was he went out and he
he did was he went out and he automatically had some of his bills paid
automatically had some of his bills paid
automatically had some of his bills paid maybe yet his car automatically paid
maybe yet his car automatically paid
maybe yet his car automatically paid maybe his rents automatically paid or
maybe his rents automatically paid or
maybe his rents automatically paid or his car insurance so he did that they
his car insurance so he did that they
his car insurance so he did that they bounced one of them clear and his
bounced one of them clear and his
bounced one of them clear and his accounts negative and he said that’s
accounts negative and he said that’s
accounts negative and he said that’s highway robbery I see you sit on the
highway robbery I see you sit on the
highway robbery I see you sit on the bank board he’s is that he was livid now
bank board he’s is that he was livid now
bank board he’s is that he was livid now the question becomes are you ready to go
the question becomes are you ready to go
the question becomes are you ready to go to payday loan I hope not because
to payday loan I hope not because
to payday loan I hope not because there’s nothing but sharks out there so
there’s nothing but sharks out there so
there’s nothing but sharks out there so he says what can we do about this
he says what can we do about this
he says what can we do about this I said well obviously you need to talk
I said well obviously you need to talk
I said well obviously you need to talk to young will I said better yet you
to young will I said better yet you
to young will I said better yet you should probably let me talk to young
should probably let me talk to young
should probably let me talk to young will and help him understand how not to
will and help him understand how not to
will and help him understand how not to get out of this because if you notice if
get out of this because if you notice if
get out of this because if you notice if he only had 230 dollars left guess what
he only had 230 dollars left guess what
he only had 230 dollars left guess what he has to pay out of that check that he
he has to pay out of that check that he
he has to pay out of that check that he was supposed to have money for and he
was supposed to have money for and he
was supposed to have money for and he doesn’t have it so the cycle starts
doesn’t have it so the cycle starts
doesn’t have it so the cycle starts again so he is wild so the question
again so he is wild so the question
again so he is wild so the question becomes what if all of us could to
becomes what if all of us could to
becomes what if all of us could to openly talk about our money situation I
openly talk about our money situation I
openly talk about our money situation I challenge you to believe that over a
challenge you to believe that over a
challenge you to believe that over a million people millions and millions of
million people millions and millions of
million people millions and millions of people would feel comfortable going out
people would feel comfortable going out
people would feel comfortable going out just just asking for financial help they
just just asking for financial help they
just just asking for financial help they wouldn’t feel the guilt the shame the
wouldn’t feel the guilt the shame the
wouldn’t feel the guilt the shame the embarrassment of talking about their
embarrassment of talking about their
embarrassment of talking about their money situation because we all know
money situation because we all know
money situation because we all know we’re supposed to be able to handle our
we’re supposed to be able to handle our
we’re supposed to be able to handle our money all right
money all right
money all right money would no longer be the number one
money would no longer be the number one
money would no longer be the number one cost for a divorce meaning that we would
cost for a divorce meaning that we would
cost for a divorce meaning that we would have more solid families which means
have more solid families which means
have more solid families which means we’d have a better society men and women
we’d have a better society men and women
we’d have a better society men and women with equal skill sets would get what
with equal skill sets would get what
with equal skill sets would get what equal pay you said a woman said that you
equal pay you said a woman said that you
equal pay you said a woman said that you know right we get equal pay and all of
know right we get equal pay and all of
know right we get equal pay and all of our stress levels would drop I think
our stress levels would drop I think
our stress levels would drop I think there’s just no question so I’ve known
there’s just no question so I’ve known
there’s just no question so I’ve known this forever
this forever
this forever so of course I knew I was doing this
so of course I knew I was doing this
so of course I knew I was doing this talk so I have to go out and do some
talk so I have to go out and do some
talk so I have to go out and do some research and again when you get ready to
research and again when you get ready to
research and again when you get ready to start doing some research and you start
start doing some research and you start
start doing some research and you start asking people questions you know we men
asking people questions you know we men
asking people questions you know we men we do it better with food so I’m not a
we do it better with food so I’m not a
we do it better with food so I’m not a bunch of my buddies for lunch now we’re
bunch of my buddies for lunch now we’re
bunch of my buddies for lunch now we’re doing what we do now the only difference
doing what we do now the only difference
doing what we do now the only difference between this meeting and the meeting
between this meeting and the meeting
between this meeting and the meeting with my dad and my brother is that we
with my dad and my brother is that we
with my dad and my brother is that we talk about sex all right so I’ll meet
talk about sex all right so I’ll meet
talk about sex all right so I’ll meet with my buddies and halfway through
with my buddies and halfway through
with my buddies and halfway through lunch I say to them guys let me ask you
lunch I say to them guys let me ask you
lunch I say to them guys let me ask you a question all of you are successful I
a question all of you are successful I
a question all of you are successful I mean they all do really well which one
mean they all do really well which one
mean they all do really well which one of you learned finance from your mom or
of you learned finance from your mom or
of you learned finance from your mom or dad or from school silence one guy says
dad or from school silence one guy says
dad or from school silence one guy says well my dad I did my dad made me had a
well my dad I did my dad made me had a
well my dad I did my dad made me had a paper route and he made me save every
paper route and he made me save every
paper route and he made me save every dime that I made it the paper route and
dime that I made it the paper route and
dime that I made it the paper route and I said okay cool go I said so you’re
I said okay cool go I said so you’re
I said okay cool go I said so you’re telling me that you learned all about
telling me that you learned all about
telling me that you learned all about charge cards budgeting wants versus
charge cards budgeting wants versus
charge cards budgeting wants versus needs from your dad’s paper out story
needs from your dad’s paper out story
needs from your dad’s paper out story he’s like no so none of you learn
he’s like no so none of you learn
he’s like no so none of you learn anything about personal money management
anything about personal money management
anything about personal money management from home or school now okay and they
from home or school now okay and they
from home or school now okay and they always get ready to get back to the
always get ready to get back to the
always get ready to get back to the normal targets lately lately here’s a
normal targets lately lately here’s a
normal targets lately lately here’s a better question knowing how hard life is
better question knowing how hard life is
better question knowing how hard life is and how long you had to struggle because
and how long you had to struggle because
and how long you had to struggle because all those guys are self-made how many of
all those guys are self-made how many of
all those guys are self-made how many of you taught your kids personal money
you taught your kids personal money
you taught your kids personal money management and all over his truck not
management and all over his truck not
management and all over his truck not one not one so the question becomes why
one not one so the question becomes why
one not one so the question becomes why is it because we’re all just hiding or
is it because we’re all just hiding or
is it because we’re all just hiding or we just don’t know any better I mean it
we just don’t know any better I mean it
we just don’t know any better I mean it really is an interesting thought so when
really is an interesting thought so when
really is an interesting thought so when you begin to look at it and I asked you
you begin to look at it and I asked you
you begin to look at it and I asked you a really serious question earlier right
a really serious question earlier right
a really serious question earlier right ask your neighbor how much money do you
ask your neighbor how much money do you
ask your neighbor how much money do you make
make
make going home I’m gonna give you a secret
going home I’m gonna give you a secret
going home I’m gonna give you a secret going home and saying I liked his talk
going home and saying I liked his talk
going home and saying I liked his talk I’m gonna start talking about money in
I’m gonna start talking about money in
I’m gonna start talking about money in society going home and asking your
society going home and asking your
society going home and asking your neighbor yell bro I laid down 150 last
neighbor yell bro I laid down 150 last
neighbor yell bro I laid down 150 last year what you bring home it ain’t gonna
year what you bring home it ain’t gonna
year what you bring home it ain’t gonna work
work
work you’re gonna lose you’re not gonna get
you’re gonna lose you’re not gonna get
you’re gonna lose you’re not gonna get you get uninvited from the Christmas
you get uninvited from the Christmas
you get uninvited from the Christmas party okay but what if we broke the ice
party okay but what if we broke the ice
party okay but what if we broke the ice in our social media what if we all said
in our social media what if we all said
in our social media what if we all said you know I’m gonna take my triumphs and
you know I’m gonna take my triumphs and
you know I’m gonna take my triumphs and I’m going to share I’m not ask you to
I’m going to share I’m not ask you to
I’m going to share I’m not ask you to share your failures I’m not gonna share
share your failures I’m not gonna share
share your failures I’m not gonna share my and I’m not gonna ask you to anything
my and I’m not gonna ask you to anything
my and I’m not gonna ask you to anything I’m not gonna do but what about your
I’m not gonna do but what about your
I’m not gonna do but what about your triumphs you ever seen that person that
triumphs you ever seen that person that
triumphs you ever seen that person that holds up the pair pants you know and
holds up the pair pants you know and
holds up the pair pants you know and it’s bigger than they are and they go
it’s bigger than they are and they go
it’s bigger than they are and they go this used to be me and I lost 80 pounds
this used to be me and I lost 80 pounds
this used to be me and I lost 80 pounds what happens in the comments all
what happens in the comments all
what happens in the comments all congratulations that was awesome
congratulations that was awesome
congratulations that was awesome incredible how did you do it how long
incredible how did you do it how long
incredible how did you do it how long did it take was it hard did you gain the
did it take was it hard did you gain the
did it take was it hard did you gain the weight back and that person answers
weight back and that person answers
weight back and that person answers those questions either publicly or
those questions either publicly or
those questions either publicly or privately but what if we could do the
privately but what if we could do the
privately but what if we could do the same thing with our money I paid my
same thing with our money I paid my
same thing with our money I paid my house off how did you do it that’s
house off how did you do it that’s
house off how did you do it that’s amazing how long did it take 30 years
amazing how long did it take 30 years
amazing how long did it take 30 years okay what you paid your car off you paid
okay what you paid your car off you paid
okay what you paid your car off you paid your charge card off if you hit a
your charge card off if you hit a
your charge card off if you hit a savings goal hey I hit my savings goal
savings goal hey I hit my savings goal
savings goal hey I hit my savings goal by August and I did the whole year I’m
by August and I did the whole year I’m
by August and I did the whole year I’m gonna blow it out of the water people
gonna blow it out of the water people
gonna blow it out of the water people will begin to feel more comfortable
will begin to feel more comfortable
will begin to feel more comfortable asking those questions so I will tell
asking those questions so I will tell
asking those questions so I will tell you this you can’t go ask your neighbors
you this you can’t go ask your neighbors
you this you can’t go ask your neighbors how much money they make you can’t share
how much money they make you can’t share
how much money they make you can’t share it on social media but you can also have
it on social media but you can also have
it on social media but you can also have the money talk right after you have the
the money talk right after you have the
the money talk right after you have the sex talk right so you set your kid down
sex talk right so you set your kid down
sex talk right so you set your kid down you say yeah don’t touch her and then
you say yeah don’t touch her and then
you say yeah don’t touch her and then you say because she’s gonna cost you
you say because she’s gonna cost you
you say because she’s gonna cost you this much money
this much money
this much money all right so so you have to think about
all right so so you have to think about
all right so so you have to think about having that talk think about encouraging
having that talk think about encouraging
having that talk think about encouraging the school systems to make it mandatory
the school systems to make it mandatory
the school systems to make it mandatory to teach personal money management in
to teach personal money management in
to teach personal money management in high school I called the local area and
high school I called the local area and
high school I called the local area and said hey do you guys have this course do
said hey do you guys have this course do
said hey do you guys have this course do you have anything close to this course I
you have anything close to this course I
you have anything close to this course I emailed my email my email and I got no
emailed my email my email and I got no
emailed my email my email and I got no response and you know what this was
response and you know what this was
response and you know what this was funny thing was is that my brother works
funny thing was is that my brother works
funny thing was is that my brother works for the school system I still got no
for the school system I still got no
for the school system I still got no response they we don’t teach it so I
response they we don’t teach it so I
response they we don’t teach it so I told you that the number one cause for
told you that the number one cause for
told you that the number one cause for divorce was money and it’s not true
divorce was money and it’s not true
divorce was money and it’s not true the number one cause for divorce is lack
the number one cause for divorce is lack
the number one cause for divorce is lack of communication but I’m always right so
of communication but I’m always right so
of communication but I’m always right so what’s the number one conversation and
what’s the number one conversation and
what’s the number one conversation and the communication money exactly so what
the communication money exactly so what
the communication money exactly so what happens if we told every person looking
happens if we told every person looking
happens if we told every person looking to go get a marriage certificate that
to go get a marriage certificate that
to go get a marriage certificate that they needed to complete a financial
they needed to complete a financial
they needed to complete a financial course call my money my mate can’t get
course call my money my mate can’t get
course call my money my mate can’t get married unless you pass this course I’m
married unless you pass this course I’m
married unless you pass this course I’m gonna save more marriages so here’s the
gonna save more marriages so here’s the
gonna save more marriages so here’s the deal I challenge you to begin to talk
deal I challenge you to begin to talk
deal I challenge you to begin to talk about money inside your inner circle
about money inside your inner circle
about money inside your inner circle that’s not scary talk about it in your
that’s not scary talk about it in your
that’s not scary talk about it in your inner circle and what you’re gonna find
inner circle and what you’re gonna find
inner circle and what you’re gonna find is it’ll spread to your outer circle and
is it’ll spread to your outer circle and
is it’ll spread to your outer circle and before you know it
before you know it
before you know it barriers will begin to break down fears
barriers will begin to break down fears
barriers will begin to break down fears will will be diminished societies will
will will be diminished societies will
will will be diminished societies will feel more comfortable asking questions
feel more comfortable asking questions
feel more comfortable asking questions and getting answers that they deserve to
and getting answers that they deserve to
and getting answers that they deserve to get and it will all be for your
get and it will all be for your
get and it will all be for your betterment as well as your daughters who
betterment as well as your daughters who
betterment as well as your daughters who deserve equal pay your future has never
deserve equal pay your future has never
deserve equal pay your future has never been brighter thank you
been brighter thank you
been brighter thank you [Applause]
[Applause]
[Applause] you
”
Be First to Comment