Description: In this eye-opening discussion, Rich Paul, a notable sports agent who has had the experience of being on LeBron James' payroll for two years, earning $48,000, shares his candid perspective on financial management for athletes. Drawing from his personal journey, he underscores the financial realities confronting many professional athletes, specifically highlighting the hefty cost of flying private. According to Paul, no athlete can afford the luxury of private flying all the time without risking a dent in their financial stability. This conversation extends into a broader discussion on prudent financial practices to prevent athletes from going broke, underlining the importance of wise spending and long-term financial planning. Rich Paul's insights provide a glimpse into the financial pitfalls in the glamorous world of professional sports and offer key takeaways on maintaining fi nancial health amidst a lifestyle of fame and fortune. #klutch #richpaul #sports

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In this Market Mondays clip, Ian Dunlap and Troy Millings dive into the current state of the stock market, addressing one of the hottest questions: Is everything overvalued and why are stocks falling? Ian highlights the ongoing correction as prices return to their true value after years of massive gains, reminding us that the last time we saw three consecutive years with over 20% returns was during the dot-com era. There's been a frenzy around AI and tech stocks, with everyone scrambling to “front-run” gains hoping to weather an anticipated downturn in the next few years. Ian weighs in on why hype and overvaluation—especially in stocks like Nvidia, Oracle, Palantir, Bitcoin, and Oscar Health—have created a precarious situation. Troy adds that valuations, while driven by impressive earnings growth, have reached almost uncomfortable heights and can’t keep pace forever. Both discuss the risk of the market depending too much on blockbuster earnings from a single tech giant like Nvidia. Drawing parallels to the way Apple was once the market’s linchpin, they explore what happens when stocks are “priced to perfection”—and why perfection won’t always be enough. Despite the daunting pressure, Troy argues that if any company can shoulder these expectations, Nvidia is uniquely positioned. They break down the shifting landscape of tech, with Apple and Google now seen as the new “bonds”—safe havens expected to deliver steady returns over the next five years. But not all companies will weather the storm: Ian points out how several quantum computing stocks are already down 40% or more, warning investors to brace for possible broader market pullbacks. Whether you’re new to investing or a seasoned trader, this insightful discussion will help you understand the dynamics driving today’s market volatility, the role of AI hype, and why it’s so important to keep a critical eye on valuations and earnings moving forward. *Hashtags:* #MarketMondays #StockMarket #Nvidia #Apple #TechStocks #AI #Investing #Finance #StockMarketCorrection #Overvaluation #WallStreet #Google #Meta #Microsoft #Palantir

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In this insightful Market Mondays clip, Rashad and Troy dive into Google’s evolution as an AI powerhouse, its strategy in the competitive tech landscape, and why it might just be one of the quiet leaders in artificial intelligence. The discussion starts with Rashad asking if Google is a sleeper AI company. Troy responds by praising Google’s flawless execution and adaptability, especially when Apple lost its focus. The duo highlight how Google invested in AI, redefining its approach to innovation and solidifying its presence as a tech titan. The clip explores Google’s strategic moves, such as the anticipated pipeline reduction in search pages and the company’s potential new deal with Apple to serve as the primary search engine. Rashad shares how industry insiders foresaw the arrival of major AI products from Google and how he benefited by making smart investment choices based on these trends. The hosts also discuss Gemini, Google’s standout AI product, and its continuous improvements, alongside other innovations like VO3. Troy draws comparisons to Netflix’s move to stop password sharing, emphasizing how data is the new oil and Google owns the pipeline and refineries. They reflect on Google’s powerful earnings, impressive product rollouts, and dominance in both AI and traditional search, underscoring how every innovation from Google prompts competitive responses in the tech sector. In a forward-looking segment, Rashad and Troy touch on the potential integration of Google’s AI technologies with YouTube, which could transform content creation for millions. They salute Google’s team for their ongoing innovation, while wishing Apple had taken a similar path. If you’re interested in the latest AI breakthroughs, competitive strategies in big tech, and how innovation is reshaping the digital landscape, this clip is not to be missed! *Hashtags:* #MarketMondays #GoogleAI #ArtificialIntelligence #TechInnovation #AILeadership #GeminiAI #YouTubeAI #SearchEngine #AppleVsGoogle #TechTalk #Innovation #BigTech #Finance #Investing #RashadBilal #TroyMillings

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In this captivating video, join the rising artist Symba as he opens up about the life-altering journey he took to Africa. Delve into the rich experiences and cultural revelations that deeply impacted him and led him to reassess his values and lifestyle choices. One significant transformation Symba shares is his decision to stop wearing jewelry, reflecting a shift in his priorities. Through vivid stories and heartfelt reflections, Symba paints a picture of the vibrant cultures, traditions, and landscapes that touched his soul. Whether you are a fan of Symba or someone who loves travel stories, this video is a treasure trove of insights into personal growth and the power of embracing new cultures. #SymbasJourney #LifeTr ansformation #CulturalAwakening

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In this thought-provoking clip of *Black Out with Ian & Rashad*, Rashad Bilal and Ian Dunlap break down Donald Trump’s headline-grabbing proposal for a 50-year mortgage. Would a mortgage plan stretching across half a century actually help homebuyers—or is it just another win for the banks? Rashad and Ian don’t just debate the policy; they get real about how most Americans use their homes, why people rarely stay the full 30 years, and how monthly payments might change with a longer loan term. Rashad argues there’s a strategy here: use a lower monthly payment to get a foot in the door, build equity, and plan your exit from day one. Ian, meanwhile, gets straight to the point: these mortgage products are designed to benefit the banks, not the buyers—and without discipline, most folks won’t invest their savings but instead boost their lifestyle spending. The conversation weaves through home appreciation, investing strategies, and why every homeowner needs an exit plan before they even move in. Whether you’re thinking about buying, already own a home, or just want to know how today’s policies might affect your wallet, don’t miss this honest, practical take. Hit play, and join the discussion! Would you take a 50-year mortgage if it meant you could afford the home you really want? Or is it a wealth-building pitfall? Let us know your thoughts in the comments. *Hashtags:* #RealEstate #TrumpMortgage #BlackOutPodcast #RashadBilal #IanDunlap #PersonalFinance #WealthBuilding #HomeOwnership #MortgageTips #FinancialLiteracy

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Welcome to Market Mondays! In this thought-provoking clip, Rashad Bilal, Troy Millings, and Ian Dunlap break down the fundamentals of FICO—your adult "transcript"—and explore why understanding your credit score is more important than ever. Whether you’re just starting your financial journey, rebuilding, or leveling up, this segment’s “building block, corner” is packed with essential insights! Rashad Bilal shares how explaining FICO to his son made him realize that your credit score is truly your adult report card, shaping everything from your ability to buy a home, lease an apartment, land a job, or finance a car. Troy Millings calls FICO your “financial trust score,” noting how crucial it’s become even for career opportunities. Ian Dunlap points out that FICO isn’t just a score—it’s a public company (Fair Isaac Corporation), and its stock performance tells a story of monopoly power and skyrocketing growth since its IPO in 1987. Dig into the business side as Ian Dunlap reveals how FICO actually earns its billions by licensing the credit score algorithms, not directly selling scores, and how economic cycles—like low interest rates—can supercharge its profits. You’ll hear about how FICO’s stock price exploded after 2010, paralleling changes in credit reporting’s importance after the Great Recession and new legislation. The trio also ties credit’s cultural impact to music, echoing Wu-Tang’s “Cash Rules Everything Around Me”—but now, as Rashad Bilal says, “Credit rules everything around me.” Learn how the shift to a cashless society has made understanding and managing your credit more vital than ever. They even shout out iconic artists like Clipse and discuss how staying sharp and following trends (even in music!) intersects with financial literacy and generational wealth. Whether you’re curious about why FICO matters, how its monopoly works, what’s changed since the ‘80s, or how credit touches every aspect of modern life, this clip delivers the essentials. Tune in for practical knowledge, cultural connections, and expert takes from Rashad Bilal, Troy Millings, and Ian Dunlap. *Don’t miss:*

• The hidden monopoly behind FICO’s business
• Why your credit score shapes your future, career, and finances
• How shifts in culture and technology made credit king
• FICO’s stock market success story
• Real-world tips on building credit and wealth

*Subscribe for more insights on money, markets, culture, and wealth creation every week!* #MarketMondays #CreditScore #FICO #FinanceTips #Investing #FinancialLiteracy #RashadBilal #TroyMillings #IanDunlap #WealthMindset #StockMarket #CulturalImpact #BuildingBlocks #ClipsNotEpisodes

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This week on Earn Your Leisure, we sit down with two cultural powerhouses — Venus X and Stanley Lumax — for a masterclass on credit, culture, creativity, and building real financial foundations.

We break down why the EYL x Chase Freedom Rise partnership matters and how it’s creating new pathways for young adults to build credit early. We talk about the biggest credit mistakes people make—especially during their college years—and why having money means nothing without discipline and a strong credit profile.

Venus X takes us deep into the business behind being a celebrity DJ, from branding and scaling to creating value in a way that impacts entire communities. Stanley Lumax shares the strategy behind building culture-forward businesses and why proving your work ethic to financial institutions can unlock life-changing opportunities.

We also discuss how parents can give their kids a credit head start, why budgeting is crucial, and the most common financial regrets people have later in life.

Whether you’re a creative, entrepreneur, or student trying to get your money right, this episode delivers game you can use immediately.

#EarnYourLeisure #EYL #VenusX #StanleyLumax #ChaseFreedomRise #FinancialLiteracy #CreditEducation #DJBusiness #CultureCreators #Entrepreneurship #WealthBuilding #MoneyManagement #CreditTips #BusinessOfCulture

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In this insightful Market Mondays clip, Rashad Bilal, Ian Dunlap, and Troy Millings break down the crucial mistakes to avoid right after achieving millionaire status—and share what you should do instead. Whether you’re just starting your financial journey or you’ve already crossed seven figures, this is a must-watch for building sustainable wealth. Rashad Bilal emphasizes the importance of not making large purchases (including a primary home or luxury cars) immediately after accumulating your first million. He explains why buying a single-family home can quickly turn that financial progress into new liabilities, and why it’s smarter to keep your cash accessible and prioritize acquiring assets that grow your wealth. Ian Dunlap offers practical steps for maintaining your financial edge—like avoiding “lifestyle creep” until your net worth reaches $11 million, staying debt-free, and focusing on investments that can never go to zero. He gets real about the emotional journey: the rush of making your first million fades, so it’s crucial to concentrate on growing your fortune and happiness, not just your bank balance. Troy Millings shares his personal blueprint, describing how he continued to live below his means and kept his housing costs minimal—even after hitting the million mark. Troy talks about strategic investing, not rushing into big purchases, and using discipline to keep growing his wealth. He encourages viewers to be hyper-vigilant about how they manage, respect, and protect their money, especially in uncertain times. The trio also touch on why certain classic status symbols—like diamonds and luxury watches—typically aren’t smart investments, especially with new technology and shifting markets transforming their value. *What you’ll learn in this clip:*

• Why your first million isn’t the finish line—and what really matters next
• The dangers of rapid “lifestyle upgrades” (and how to avoid going broke)
• How multifamily real estate and smart renting can be better wealth moves than buying a flashy house
• Tax strategies, asset protection, and avoiding financial traps that target the newly wealthy
• The declining value of luxury assets like diamonds and cars—and smarter things to do with your money

Whether your goal is to hit seven figures or multiply it, let Rashad Bilal, Ian Dunlap, and Troy Millings guide you through the mindset, habits, and strategies for lasting success. *Subscribe for more Market Mondays insights!* #MarketMondays #WealthBuilding #FinancialFreedom #RashadBilal #IanDunlap #TroyMillings #MillionaireMindset #MoneyManagement #Investing #PersonalFinance #Clip --- Watch, learn, and level up your financial game with every Market Mondays clip!

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