Transcript of The Power of Financial Literacy: What Every Family Needs to Hear w/ Troy Millings 📋 EP153

Ladies and gentlemen, welcome to a special edition of the Money Mondays podcast, where we cover three core topics: How to make money, how to invest money, how to give it away to charity. Normally, I do these podcasts inside of an RV motorhome traveling around the country, but I'm in New York City. We should do that. We got the toy... We can still do it. We should still do that. We can do a second episode. We got the toy drives coming up at the American Dream Mall, Miami Heat Arena. We're doing one in Virginia with Allen Iverson. There's so much going on, so I decided, why don't I stop by where the guys from earn your leisure, EYL University and VesFest, going to go by and visit them and knock out back to back podcast with some of the cofounders. So as you guys know, when we do these podcasts, they're under 40 minutes because The average workout is 45 minutes. The average commute to work is 45 minutes. This episode will be between 35 and 38 minutes for your listening pleasure. We have a 93 % listen through rate, which helps us with the podcast chart rankings, and you guys help us with the podcast chart rankings by liking, commenting, subscribing, marketing, etc.

When you listen to these episodes, it's not just for you. It could be someone in your friends, family, and followers, or it could be for someone from your past, present, or future. When you hear these things, don't just learn for yourself. There might be other people that are useful to forward this podcast episode, too, especially this one. This gentleman that we have today has been deeply immersed into the space of teaching, finance, stock market, live events, and all those things that are important to me, and he's done it at a grand scale. So Troy Millings. If you can give us the quick two-minute bio, so we get straight to the money.

I am Troy Millings, co-founder of earn your leisure, co-founder of InvestFest, EY University. Anything that encompasses the world of earn your leisure, I've had my fingerprint on it. Started my career in education Education was a teacher in the Bronx. And I tell you, if you've ever been a teacher in an inner city, you learn a lot of things about yourself, but you learn a lot of things about the world, too. One of those things I learned was what wasn't being taught to our youth. And at the top of that was financial education. To have an opportunity to teach kids throughout the summer what it meant to have money, gave them core principles of sharing, saving, spending, and investing. Kids loved it so much. It was like one of these things. I taught for 10 months in the school district, and then In six weeks that I had kids, it felt so much more fulfilling. I was like, I got to turn this into something. That program, I tried to scale. I put it in a few schools, and I was like, This is what's needed. At the same time, my partner, Rashaad, was creating his own imprint on social media, but he was my financial advisor.

He was my best friend throughout high school, obviously, when he went to college. But he was a financial advisor, and I was like, Perfect. This is great. You can come in and co-teach with me. You know more about finance than I do. I know more about the educational setting. We can team up and do this thing in a classroom setting. We did that, and we did that for 10 summers before anybody ever heard of us. It went really good. Halfway through that, he had this idea like, We should record these classroom sessions. He would have who's our CEO now at5th of July. He had them record. He would sit there and just record the classrooms, and he would post it on social media. And I'm busy teaching, trying to figure out how to scale this thing. And people were like, Wait, where's that program? Where is that? How do we get there? I want my kids in that. And he was like, Yeah, we got something. And that led to him doing shows. And then one day, he said, Look, we should start a podcast. And I was like, Okay. And not because I was like, I'm 100% sure that this is going to work, but more so of I'm a firm believer in our brotherhood and our friendship, and he believes in something, and it's an idea that he truly wants to follow through with.

Let's go do it. We've done it before. We've had businesses that didn't work, but that never changed our friendship. And so I was like, All right, let's do it. Never came from an audio background, didn't do any studying of journalism, just had a passion for music, had a passion for sports, and had a passion for the money behind those career paths. And it was the conversations that we usually have. Once we started talking, we were like, Wait, people People aren't having these conversations. And so we knew we had something early on. And now we have what the world sees as Earning your leisure, this huge brand. But it was just an idea that started in the basement of a house with an iPhone and an idea, and some guys coming together and saying, Let's change the world.

So we grew up thinking it's rude to talk about money. And the whole concept for me with the Money Mondays, and I'm sure with your messaging and Market Mondays and the way you teach with kids, we know that it's important to talk about money in households, in communities, et cetera. How can we change the narrative? What can we do? Or what can people that are listening do to start having this conversation so people don't think it's rude to talk about money?

It's a process that I'm learning. I come from a West Indian background, and the only thing that we talked about was money was like, Save it. In fact, I would ask my mom to borrow money, and she was like, If you was money, I would spend you. It was like this running joke we had. And I was like, That's all we're going to talk about when it came to money? And so what I've been doing is I've I've been leading by example in that space because I am the generation of cursebreaker. And so I've been super intentional about making sure that my kids understand what money is and how it works. So the same thing as I used to teach to students, I now teach to my with children. You can do a couple of things with it. You can spend it. We know how to do that. I don't have to teach them that. That is natural because they've seen it, they've been around that. You can share it, which is something that we've learned, and they were part of church. I used to take them to church all the time. I haven't made it to my church as much as we've been traveling, but they saw that.

We were given tides every Sunday. Then the next piece was like, Okay, you can invest it, which nobody talks about. I was like, Oh, there's something here. Leading by example and showing them that, I was like, Okay, well, I want them to see money. So I would have money around the house. When we give back during the Christmas time or when we were giving back to our kids throughout our program, I would I put the money on the table and I have my kids counted. I'm like, Each envelope is getting $200. They're like, Dad, there's 30 kids. I'm like, Yeah, don't worry about that. Each kid, make sure you put $200 in every envelope. Now, the thousands, a couple of thousands dollars is there. It's not They don't take money to them anymore. They've seen it. I used to say, I'm going to put $10,000 in the house for a case of emergencies. Hey, go give that to grandma so she can put it under the bed. Dad, that's $10,000. I know. I want you to give it to grandma just in case we need it. We've never need it. But they've seen that money when we're having to pay the mortgage.

I'm sitting there, he's watching me. My son's watching me very intently. He's watching me write a check. Hey, dad, that's what you're paying every month? Yeah, you live here, right? We got to do this, right? And so now what he's into now is he's watching me invest in the stock market. He owns shares of NVIDIA. He loves to tell his friends he owns shares of NVIDIA. I love that. I love it for him, too. Yeah. So he has a thousand shares of NVIDIA. His sister has a thousand shares. I had an option call that I actually exercised and gave them a thousand shares, and they loved talking about it. But when he realized how much it was worth, I watched his reaction. And because we had done all those things about showing him money. If you look at NVIDIA shares, it's like $181. He's like, Wait, I have a thousand shares.

Wait a minute. Carry the one.

I'm good at math. Wait, there's a comma? But it didn't excite him the same way, and it didn't feel foreign to him. I'm like, That couldn't have been me at 11. That couldn't have been me at 18. The fact that it's a normalcy to him tells me that his ambitions are going to be bigger because of things that we've introduced. People always like, How did you introduce him to the market. I'm like, Well, I met him where he was at. At the time, he's five, six, seven years old. My daughter is 11 years old. What are they playing over there? Robux. Oh, perfect. What are they watching? Disney. Okay, perfect. That's a publicly traded company. Robux is about to IPO. Hey, we can do that. Listen, here's a lesson here. You know that game that you're playing that you're asking $4. 99 from every three days and $9. 99 every month? We could actually own shares in that. What's that? You can own a piece of the company. So we'll be meeting them with that. The funniest story is that as I'm teaching them financial education, I'm driving to school one day, and it's maybe the end of March, and I'm driving, and this ad comes on for the IRS.

It's tax season, right? And he's like, Dad, I want to be the IRS. I'm like, What? Turned on the mute. What are you talking about? He's like, I want to be the IRS. I'm like, Why do you want to be the IRS? He's like, Because they take everybody's money every year. I'm like, Oh, yes. Okay, well, we can't be them, but I understand why you want to be them. But this is now a lesson on how taxes work. So it's about meeting them with the ad leading by example, not hiding it from them, not making it taboo for them. I feel like our parents and our adults that were older than us, especially in our community, it was taboo to talk about money because they weren't educated about money. You don't want to talk about it because you don't know. And when you don't know, you don't feel confident talking about it. And so they weren't confident. And that was a lesson learned in itself. I know we can't do that because we know the repercussions of it.

So on the make money side, why do you think people are held They get to a certain point, they make 60 grand, 70 grand, 80 grand a year, and they become complacent. What do you think holds them back from either side hustles, investing in a real estate, stock market? What holds people back from doing that next step? Fear.

Straight up fear. And I've watched it cripple people in my family. I've watched it cripple people in my community. But fear is only conquered by education. It always goes back to that. There's this idea of what if it It doesn't work? But I always like to live feerless. What if it does work? We're closer to zero than we think. You know what I mean? The person that I remember making $32,000 a year. I remember making $65,000 a year. I remember having a seven-figure year. That's $65,000. I'm closer to zero than I am at this level. And so the idea that we're kept because of our irrational feelings about situations cripples And we don't take chances, then we don't get educated about it. And I remember, this is a true story, we had just started Earning a Leisure. At the time, I had just got my teaching salary up to $115,000 a year. And I know most people are like, Oh, my gosh, that's a lot of money. But I'm like, New York, salaries are different, obviously. And I'm like, This is a goal. And Richelle was like, Look, you got an opportunity here to do something bigger.

He was like, Don't let making $100,000 a year stop you from making $100,000 a month. There's opportunity here. There's no ceiling on what you can do as an entrepreneur. I was like, Hey, he's got something. I think he's right about that. There's something here that can't be replicated because we're doing it, we're originating it. But there's also no ceiling on what we can create. So at that point, it was like, There is no boundary on this. Why fear this? This could work.

So on the brand side of investing, as you're building a EY university, as people can buy coaching and learning and training, et cetera, you throw live events. Something like InvestFest can cost hundreds of thousands, can also cost millions of dollars to produce as you guys keep scaling it, why not take the easy route, just keep doing what I call one to many online, versus we're going to have 4,000 people, 10,000 people, 25,000 people show up to the city of Atlanta and spend millions of dollars to produce these live large format events.

Yeah, it's bigger than us. I always have that as my mindset. This is... Investfest isn't even about us. Obviously, when it was branded, it wasn't, hey, earn your leisure presents. It was InvestFest. It was very intentional about that. There's no faces to that logo because, again, it's not us. It's about what we wanted to create for a community that didn't have this. We knew the things that we catered towards. We knew the things that we liked. We're from the community. We're from the culture. We know we love entertainment. We know we love music. We know we love sports, but we know we love business, too. How do we combine all those things? How do we make this edutainment? It hadn't been done. When we looked at the landscape, we saw people do events, and we saw a conference It was like, Okay, those things are cool. That piece of the event is nice, but if we added this piece and we got food trucks here and made it a real festival, it hadn't been done. So, yeah, it started out with 4,000 people. We were like, Look, how do we get How do we improve?

Never resting on like, All right, that was a success. Let's just replicate what we did. How do we get better? Because if we get better, then we can impact more people. It always goes back to those people. Then it's 12,000 people. Then it's 25,000 people, which means now there's more business that's going to happen because more vendors get to come there, more people get to showcase their business, more attendees get to go there. What happens when more attendees come? That means they're just more cross- networking. People are finding business deals, they're finding partners, they're finding capital angel investors. They're finding more ideas. All those things are happening because you created something for them to come to. I talk about this speaker this year, Marcus Rozier, and he had this profound thing. He's like, Sometimes in life, you have to become who you're going to be so somebody else can become what they're going to be. Wow. And he said, he goes into the story of how he never thought he'd be standing in front of 13,000, 15,000 people giving speeches to help them with their lives. He never thought he'd actually create a career out of that.

But he needed earn your leisure to create an invest fast so he could be on the stage doing exactly that. I was like, Wow, that's it. We had to create something so that thousands, if not millions of people over the course of the past seven years, can become who they're going to be, whether it was from the information that they heard, whether it was from a person that they met, whether it was from a businessopportunity. Com presented to them, just happenstance, encounter with something. All those things have happened because of an event that was created.

Why should people invest into themselves? Why buy the ticket, get on the airplane, pay for the hotel, fly to Atlanta to Invest Fest, or other events in their cities if they want to learn about real estate, stocks, et cetera? Why spend the money, time, and energy to go to live events?

Yeah. There's this idea of being in the right place at the right time. I have to go to that one event. I like to believe it's being at the right all the time. And so social media is great, and those platforms are great, but there's nothing like the real-life in-person encounter. Nothing can get lost in translation if we're meeting each other. And so it's It's important to be in those rooms because, again, you don't know who you're going to meet. You don't know who's seeing you for the first time. You don't know what idea can be sparked. You don't know what piece of information that you can now apply to your real life or execute on the next day that can to change things for you. It's like what you've been saying. It's like, if you change one person, that change is a household, which then in turn changes a community, which changes pretty much an entire environment. If that one person decides, I'm going to take that step, that first step, that jump off the porch moment, I'm going to go there, and they come back with something. We'll never know what the thing was, maybe.

Who knows what these companies or these people will create. But the idea that they did it It was forced because they actually said, All right, I'm going. Here's what I'm coming back with.

So oftentimes people want to invest into things, but they just don't know what to invest into. You got the real estate, stock market, cash flow in businesses, angel investing, their friends, new thing that they get pitched on. They are bombarded with pitches. They're bombarded with what they see on social media. Should I gamble? They don't know what to do because there's so many options. How can someone learn or try to decide what they should be investing their discretionary capital into?

It's interesting because there's so many distractions, right? And there's so many people telling you that this is the way. I would say, specifically for me, it was like, where do I find the greatest interest? Who can I get around that can help me and mentor me, or I can listen to to get me through that process? You're talking to a guy that doesn't come from finance. You're talking to a guy who never worked on Wall Street or never worked for a finance financial institution, but decided that, Hey, I see real growth in the stock market. I'm going to become assessive about it. I have this thing, I don't want to be good at something. I want to be great at it. That became the thing. I'm going to study this. I want to become one of the best people that has ever done this. I want to be the person that people can now go to just as the educator in me. If I learn it, I know I can teach it. Every day, I'm trying to learn so I can teach. It was that for me in terms of the stock But it could have been real estate as well, right?

If that was the thing. I've had experiences with real estate that weren't great, and it's been documented. If that was the thing, it would have been the same passion, right? Who can I get around? What event can I go to? Who's the person that can mentor me? Or the group of people that can help me in God through this process that I can now pour myself into and really dedicate to this is the way. It's not an either or thing. It's which one do I feel can present the best growth for me? I'm one, but who could present a legacy building situation for my family as well?

So you're at InvestFest, you're walking through the hallway, someone pitches you. They want you to invest into their company. What are the things that make it an automatic no for you when they pitch you?

The automatic no. I think the first thing is when they tell me, I need to. I feel like the I need to idea is one of those turn offs. I think, especially when we have With relationships with other people and how we've created our brand, it's always like, How can we help? How can we help? How can this idea help? A lot of times people were like, Hey, you're in this position. They perceive that you have this capital. I need you to do this. I need you to do that. If you do this, this is why this will grow. If we have you on board, this is why I could help. It becomes like that selfish mindset. Why do I need to do this? Leading with the value add of how it can help help a business that we're doing or an idea that we're trying to get off the ground, I think those are the ideas that stick around a little longer, and those pass through the door. There's obviously levels to get to that first phone call or that meeting to discuss further. But the value adds into something that we have going on.

How they can add value is always the first barrier. Like, Okay, this is something that can actually help us. Now we can have further conversations about things that they're interested in as well.

So as you personally start to earn more capital, you get more and more options. How do you decide when you know I'm good at the stock market? I think I know I understand real estate, or I'm around good real estate guys. I could invest in my friend's seventh salon, or seventh gym, or seventh barbershop, or seventh restaurant. How are you deciding now with all these options?

I look at the growth potential. And so inside of the market, what are the things that I'm invested in? What do I really know? And so tech is one of those sectors that I'm just hugely enamored with. I'm always reading, trying to figure out the next thing, trying to see where the future is headed in tech. And so when opportunities are presented for them, I'm like, What's the tech component? First and foremost, in this space, you know, Hey, if people are looking at valuations, that business is good. Next thing they're looking for is-Is there some AI in it? What's the tech component? How are we going to do this? Because they know that tech helps scale business, and it makes business a lot more efficient. If you have that, okay, this is something we can talk about whether it is from an e-commerce platform, or I know we've looked at e-vehicles, those type of things. It's like, Oh, I see a need there. I see the future is heading that way. Definitely a tech component, something that's future-facing, and then good leadership, too. A lot of times when we get the decks from companies, we can see it.

Then when we talk to the CEO or the founder of the company, it tells us a lot. How confident are they this? How long have they been in the space? Have they had some bumps along the road? Have they had failures before? Have they been part of companies before? Have they founded things before? You get to know the person who's actually coming up with their idea to see their history. You combine it with all the other information. It's like, All right, this sounds like a sound idea. How can we be involved?

When someone's at one of your events where they're on one of the big social communities, and they meet someone that wants to partner with them, and they don't know how to structure the deal. They're trying to figure out what to do. How do I do this? I've never navigated this before. What would you say? Should they start reading certain books? Should they go to a university? What should they do to learn before they make a partnership deal?

Before they do a partnership, I would first get counsel. I think that's the most important thing. A lot of times, we just overlook. I know we've seen it's just a handshake deal, and then you get years down the road and you're like, Well, that handshake never turned into paperwork, which could be an ugly situation. I would first seek counsel from an attorney, whatever field that you're in. I would see guidance from people who've been in that field who've actually structured deals before, because the worst thing you can do is be naive to say, I know it. I think the people who go down that route usually will end up having some really harsh ramifications, if not so. But it's not easy. There's no school for it. In EYLU, our thing is like, how can we look at areas that don't have an education and now find experts who can provide it? That's always our goal. If there's a leak, it's like, All right, okay, grants. We were talking about grants during our episode, and I'm like, That's crazy. We just did a whole episode on how grant writing and grant funding is an area that we don't look at, but we should.

I wouldn't even call them pain points, but they're interest points of where we can now meet. But partnering with anybody, I think there's certain things that you should be looking for. I always talked about people's energy. Is there an energy shift there? When you guys are talking, do they speak with confidence? Do they have integrity in their thought process? Those are things that before there's any paperwork, we need to check off on the box to see if this is going to be a partnership that's worthwhile.

I'll give you guys a fun theoretical story for you guys to argue about in your households or in your office. It's based on what if you just said is a partnership deal that's just off of a handshake. Let's say that Troy and I start Troy, Dan Lemonade Stand. Troy, Dan Lemonade Stand. We open one here in New York City, and we crush it. We start doing $900 a day at Troy, Dan Lemonade Stand here in New York City. We open up one in New Jersey, second location, Troy Dan Lemonade Stan, crushing. 600 bucks a day. Third location. We're out there in Virginia, opened up location. This one is $1,300 a day in gross revenues, $7,000. Lemonades. But Troy gets an offer from Netflix to become the President of the entire company. $40 million a year, huge salary deal. He goes off and says, Hey, I got to do it. And he goes and becomes the President of Netflix. I go open location number 4, 5, 6, 7, 13, 19. 26 locations later, two years later, there's 26 locations of Troy Dan Lemonade stands all over the country, and two of them in London. Does Troy still own 50% of the other 23 locations after he went to become the President of Netflix?

All we had was a handshake.

Technically, I was saying yes because I'm Troy, and I would love to have the other stands, but there's no written agreement to say otherwise. It's named after you. It's named after. My name is on it. It's been licensed in my name. The idea is something that we created together.

I put up the money for the other 23 locations. What happens? You weren't even there, Troy. What happens?

Our hands still attached to our body.

It's a fun theoretical thing that We could argue either side. I could for sure argue Troy side. It's named after him, and he was there for the first location. I could for sure argue my side because I just spent all my own money, time, and energy for the other 23 locations. You weren't even there. You don't even know the addresses of the other locations. Why do you own 50% of them? We could argue both sides. All of that could be fixed by a memorandum of understanding, a scope of work, a contract. A very simple one-page agreement would make it very simple for Troy and I to know does he own 50% of the other 23 locations? If it's just a handshake, it's going to be up to the lawyers and battling for the next two or three years. You've got to sign contracts even with your mom. I say that in a funny sense. Signing contracts even with your mom means you're never going to sue your mom. But the concept is you and your mom might have different agreements or different concepts of what what we promised, what we thought, what Troy and I thought before he went to become the president of Netflix, what did we think was going to happen?

You can fix that by simply signing contracts. In your space, as you're teaching, first you were teaching children, now you're teaching adults all over the world. What is the common theme that starts when they first start to realize and they start to open up their eyes of what's actually possible?

I think the first idea that comes across their mind is disbelief. They can't believe it's happening. It's like, this is unreal. I think the next thing, and I feel like it's the natural thing, is I wish I would have known sooner. Whether that comes with knowledge or whether it comes to money, it's always that I wish I would have known sooner because I would have made better decisions, which is part of the reason where it was like, Okay, we keep seeing that theme over and over. How do you combat that? Well, if we think about it, where do people start to learn? School. Which is why we were super intentional. We've gotten to this level. Now we got to go back to the beginning because every adult says the same thing. Man, I wish I would have learned about that in school. I wish I would have learned about money in school. Nobody Nobody had taught us about money in school or taxes or real estate or the stock. But what if somebody did? And so that was the, okay, well, we have to go back and create curriculum to now put in schools. And so we've been hyper-focused on that as well.

It's like, okay, if it was missing, great that it was missing, but that leaves somebody to not create. And so the idea was great curriculum. First start in New York City, the largest school district in the country, get it here, then get it to other school districts throughout the country. Getting EY up in there? Ey, yeah. Ey as you learn, the curriculum. It's a financial literacy curriculum, but make it something that's mandated. We went to school and Home Ec, we had to have a half a credit of that, and we had to have a half a credit of art. We had to have a credit of technology, but nobody ever put financial education as a requirement. Imagine if kids were required to have financial education, what they would do throughout their high school career, but what they would do as college students, how many entrepreneurs would have been created that, how many more people in terms of young adulthood would choose professions that they have, and how many would open up 401(k)s or 401(3)bs? How much more financially in-depth would we be if we had it early? That thought of, I can't believe it, number one, man, I wish I knew before.

What am I going to do now is the last piece, and that's the execution. We're big on information, information, education, information. But that can be overwhelming, and it can be overload, and it can feel like, Oh, I'm getting so much. I don't know what to do with any of it. Our thing is the information is always going to be on us. The execution has to be on you. I can't push the button to open your bank account. I don't know the password. I don't know what you're starting with. But the information that's being provided can change what's in there now, and people have to see it that way.

So we talked about making money. We talked about investing money. Let's go to the charity side. Why do you think it's important for brands or corporations to have some type of charity component for their customers, clients, staff, investors, partners, et cetera, to see them doing or working on some type of charity?

Yeah, it was always one of our core principles. And when we started with young adults, that sharing piece is... It's always the last That's the category that we talked about because most people don't realize that it's something that should be pivotal. And we've done it in plenty of ways. When we didn't have UIL, it was, Okay, how can we help communities? I remember taking kids and we would go feed the homeless. The first summer that we did that, I never forget, I had kids get back on the bus after doing it, and they said, I want to do that every week. Something had clicked inside them. They were like, I want to do that every week. How come we can't do that every week? That felt good. I was like, Oh, this is it. This is it. They're learning the foundation of sharing and how good it feels to give back to people. The homeless population, we sat down with them and the gentleman said, I'll never forget. We spoke about it the next day in class. They said, No one thinks they're going to be sitting in this seat. No one thinks they're going to be here, but we're here.

The fact that you guys have come out and provided a meal for us, provided your time. Most people just walk past. You provided your time. That means a lot. Those kids felt so fulfilled. I was like, Here's the foundation of it. As a business, it's the same thing. It's a core principle. The more you give to the world, the more you get back from the world. We never give with saying, what's going to be the repercussion on it? Or what's going to be the benefit? It's like, no, pour out into the world because naturally, that's what we should do. You don't know what's coming back, but you shouldn't care about what's coming back. Can you help people? Can you give impact? Can you encourage? That's always been a core principle. Businesses should do it, but individuals should do it.

There's only one question I ask on every single episode, and I've never gotten the same answer before, and I'm not going to get the same answer today. All right. You build, earn your leisure in all the subsidiary companies. It's a multi-billion dollar business. But one day, unfortunately, Troy passes away. What percentage of your networth do you leave to those two children?

The two children? What about the wife? Just the All right. What percentage of it? I would say, this is tough. 50/50 doesn't feel right to me because there's certain things that they have to learn on the journey of trying to create for their own and build their own. Let's say 30%, 30% for each kid will have charity in as well. I want their families to live on beyond them. We'll create something in terms of a state plan or trust that will keep the money staying in the family for generations. Because the cliché term is generational wealth, but I think it's sustainable wealth. How do we keep this going for generations to generation to generation after that? Because if you track the history, it's like first generation, Second, third. Something got fumbled. How do we put the guardrails up to make sure that it's sustainable? That would be the plan for that.

Where can people find you on social? Where can they find all the companies, events, etc?

They can find me at earn your leisure across all mediums, Instagram, YouTube, anywhere that you see earn your leisure. We have our fingerprints on. And so I'm involved there. On my personal page is Troy Millings. But yeah, man, earn your leisure, man. That's the brand That's what we're going with. That's what got us here.

So make sure to check out. They also have the podcast called The Market Mondays. They've got the live event called Invest Fest. There's a lot of things to dive in to the whole circle of what they've been building, and I'm sure they'll be building more over the course of time. And as you guys know, this podcast is designed for you to share with your friends, family, and followers. I'm not reading much of ads. I'm designing this podcast for a 93% listen-through rate, so you can listen to it easily under 40 minutes and consume it and share with your friends. It might not just be your friends currently. It might be someone a year from now that you think about, Wait a minute. What did Troy say? Let me forward him that podcast. Let me forward her that podcast so they can learn from that as well. I appreciate you guys. Make sure to check back with us every Monday here at themoneymondays. Com.