ABOUT THIS EPISODE
What if five to ten dollars a week could change your money story? We dive into the real-world differences between fiat investing and crypto, why regulation matters for beginners, and how to use fractional shares to turn small habits into long-term ownership. From banks lending your deposits to blue-chip brands you already buy, we connect the dots so you can stop guessing and start building.
We walk through practical examples—Apple, Microsoft, Amazon, Meta, Nvidia—and show how fractional investing lets you participate without buying full shares. You’ll hear exactly how to set a simple budget, automate contributions, and choose a platform that fits your style. Whether you prefer Robinhood’s simplicity, Cash App’s dual stock-and-Bitcoin approach, Fidelity and Schwab’s name recognition, or an education-first vibe, the goal is the same: create a process you can stick to. Consistency beats prediction, and ownership beats impulse.
Mindset is the multiplier. Small steps count more than big intentions. Treat investing as stewardship, not fear, and let learning replace anxiety. If you’re just starting out, focus on the basics: regulated accounts, clear disclosures, recurring buys, and patience. If you’re more experienced, refine your plan with risk sizing and better research. Either way, you don’t need to time the market to build wealth—you need discipline, time, and a plan you’ll actually follow.
Ready to move from spender to owner? Hit play, set your first recurring buy, and join us on the path to practical wealth. If this helped you, subscribe, share with a friend, and leave a review so more people can start small and build strong.
Learn more about the FBN initiative and get access to all social media platforms at https://linktr.ee/fbnlinks
SHOW NOTES 🔗
TRANSCRIPT 🔗
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First and foremost, we want to be clear that what we are sharing with you are strategies and concepts that can be implemented by individuals who understand the logistics of how these techniques work.
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We are not giving you specific acts or financial advice.
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We are simply giving you the three key elements of how to approach such platforms as far as the literal, the mental, and spiritual format needed to be successful with your education.
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Hey, this is Michael DePoe, the other half.
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The other half.
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I love doing that.
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Yeah, I know, right?
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We're coming to you with Finance for the Unknown.
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We are honored to be here with you, our present and future wealthians.
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Welcome, everybody.
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Welcome, welcome, welcome.
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Hey, y'all, right up front, I'm a little under the weather, got a little bit of a cough, but the show must go on.
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Okay.
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I got some hauls and we're going to get through this.
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We're going to make it happen.
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Never let the grind stop, y'all.
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Yeah, that's how we do it.
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Yeah, man.
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Mike, thanks for being my partner in this.
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Thanks for being a great best friend, great business partner.
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I mean, you guys, I'm just gonna say this up front.
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Wasn't even planning on giving you homage like this, but this man drives hours and hours a week to make sure that we can come together in this studio and put this stuff together for y'all.
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He does a lot of riding in the background.
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He's a good friend, somebody I can always call on.
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And I I wish that for all of y'all out there.
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I appreciate it.
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In business and in life.
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I appreciate that.
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And right back at you.
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Appreciate it.
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You know, I'm um it doesn't work without support from one another.
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It don't, man.
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Just like any relationship.
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You know, the relationship, you gotta have support for one and other beliefs and likes and wants to for each other to be happy.
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Because in this environment where we are right now, we can't do it all by ourselves.
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Real talk.
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Yeah, I know that's right.
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Man, and look, we got a great topic today.
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No, we we got into some we got into some really good stuff last week, you know, and that's something that I feel like is gonna go down in in history.
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Right.
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Right, so right, and we're gonna we're gonna definitely kind of segue into this with that with last week's episode.
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So you watch last week's episode, you're gonna be prepped for this right here, okay?
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So we are simulcasting, okay, on our podcast.
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So remember, what you're seeing on the TV show right now, HHN TV, you also gonna be able to be listening to at your podcast stations, you know, your iHeart, your Apple, all that stuff.
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All right.
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So keep that in mind, okay?
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Whatever you see here, you'll be able to go back and listen to when you're driving on your way home or going to work or whatever you wherever you might be going.
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All right.
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So today we're gonna be talking about this or that investing fiat or crypto.
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So that's right.
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This or that.
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This or that.
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Now, does that remind you of something?
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You know me.
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Every time we got something going, it reminds me of our hip hop and our hip-hop community, you know, black sheep.
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Yeah, black sheep did that.
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There we go.
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Let's put it in the background.
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This or that.
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There we go, y'all.
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Here we go.
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I love that, man.
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Oh, yeah.
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Hey, boy, you know what you're coming with the hooks, Mike.
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Hey, hey, hey, we gotta make it, we gotta have our wealthians enjoy what we do.
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It's not just like I always say, I'm not that accountant who's gonna sit there and restructuring that.
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Come on, we gotta have fun with this.
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And I know it's entertaining, and that's how we bring it to you.
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Unfortunately, you know, you didn't get it in school, you didn't get it where you were supposed to get it.
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So, in this environment, we're gonna make it fun, we're gonna make it relatable.
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And, you know, our community, our underprivileged community, love the hip-hop of genre, and we love what they brought to us.
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I mean, this was a great song, you know, from Black Sheep.
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So, you know, you get the MFFA hats.
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Make finance fun again.
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There you go.
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I don't even know if it was ever fun, so make it fun, period.
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But I like that concept though.
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Yep, yep.
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And so, you know, we we just want to keep it simple.
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And we're gonna we're gonna go through this one real quick because I know the last episode was about an hour, and then and it's because it's new, right?
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I wanted to make sure we explained it.
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And and some of you might not have been like, I ain't ready for that, but I love the blueprint, man.
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It was good, it was good for me.
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Listen, we we we have to get involved.
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If if we want, if we're if we're putting our mindset to be a wealthian, to become a wealthian, these are certain things that you have to do.
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So just just be mindful.
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If you want to be a wealthian, some of these things that the society that's given us to to become wealthy, you have to get involved in.
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And it's just that simple.
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You know what I'm saying?
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Yeah, yeah, absolutely.
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Absolutely, brother.
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And um, in the spirit of that, um, as far as you know, us discussing crypto, uh, in this episode, you know, we're shifting to talk about fiat investing, right?
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Right, mate.
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Right, right.
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Also known as traditional cash.
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All right, so two things, two, the two are slightly different, but you know, fiat is more more regulated.
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Is that right?
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That's right.
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Yeah, so uh fiat investing, aka cash investing, aka, you know, money that's coming out of your account, that's all considered fiat, and it's it's been regulating, regulated from the end of time, as you know, as far as the stock market is concerned, and so on and so forth.
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So where crypto is not really regulated, they are they are starting to regulate it a little bit, but you still can jump in more or less as opposed to the fiat, they're still gonna ask for social security numbers.
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It's like opening up a bank account.
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If you want to stock trade, they want all that information because the government it's it's currency that the government is regulating.
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Remember, we had said at one time you can't take out$10,000 out of a bank just like that, cash, without you filling out a form.
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The government's gonna know, oh, you took out 10 G's or more than 10 G's.
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So anything more than$10,000 at one time, you're taking out 15 G's, 20 G's, 30 G's.
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You know, it maybe you came into some type of windfall, and then you're gonna be like, I'm just taking out my money.
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What's the big deal?
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This is how the government regulates and makes sure that currency, and unfortunately, it's not really to come after you, it's it's really to make sure people are not using it to do illegal stuff.
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When they start seeing big money coming in and out of an account like that, they're going, wait a minute, why is all this money coming?
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Because it doesn't take that much money for you to live, even though I could say differ now, because the way prices are going up, we might have to pay$10,000 for a loaf of bread, then what?
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But you know, but obviously they probably move the bar up if that's ever the case.
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But yeah, but the point is taking out big money like that needs to be regulated so to make sure illegal stuff is not going on.
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So that's why when you go into uh the fiat cash regulation for currency and stuff like that, you know, you you and you plan on let's say investing in stocks, you're gonna have to fill out the phone.
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It's gonna be like opening up a uh a bank account.
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So just just be mindful of that.
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So if you want to jump into uh fiat uh or fractional investing, you have to figure out, okay, I'm gonna jump into start investing in these big companies, right?
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But these big companies, you know, you can invest a dollar, five dollars, ten dollars into.
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And then and you're like, oh, okay, I can do that.
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Yeah, yeah.
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You can do that.
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Yeah, and and you know, and and and the reason uh for that, you know, these big companies will become like like Amazon, you know, Amazon's what, like four, four, something like four hundred dollars a share right now.
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Yeah, yeah, yeah.
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You know, meta, Facebook Meta, their their stock tickers meta now, they're at over six hundred dollars a share.
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Right.
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These are these are huge, huge companies, right?
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Nvidia is around$300 a share right now, right?
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Skyrocketed as everybody knows lately because you know they're a big power player in AI.
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Right, right.
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Yay.
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AI.
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We're gonna talk about that soon, probably near the NNC.
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We're gonna talk about to give it to them.
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Yeah, yeah.
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We're gonna talk about AI.
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It's not it's not coming no more.
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It's here, it's here, it's here.
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It could be a big decision in your financial life when it comes to AI.
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Real talk.
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Yeah, I don't think it's gonna be messing with you, but let me just give you a little bit of tidbit.
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I've seen uh them build a fast food place with all AI.
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Now imagine that.
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I don't need to hire no, and that's kind of your first place you get your first job.
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Right, right.
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Yeah, imagine that's going away.
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My first job was uh my first job was uh it was at one of them first jobs was at a fast food place.
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Taco Taco Bell when I was in school hot.
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See, and my first job uh at a it was a bakery, actually.
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Yeah, it was a bakery.
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So imagine in the back, they got the the the arms, the robotic arms, uh mixing the dough and putting it and making the shapes of the bread and then putting it in the oven, it comes out.
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There's another arm that bags it, and then there's another arm that puts it on the shelf, and all you have to do is walk guys, swipe your credit card, take the bread, go.
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If you're 16, that's not gonna be your first job.
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That ain't gonna be your first job no more.
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So we'll talk about it, but let's get back on track.
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Yeah, you know, just like in crypto, like right now, if you were to uh go into crypto, you can't buy a bib coin for a hundred uh thousand dollars.
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No, it's one coin.
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Most people can't, yeah.
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Right.
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So that one coin for a hundred thousand dollars or whatever it goes up to, you can't, but you can buy it fractionally, you know.
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You could buy a piece of it, you put one dollar, two dollars in, it'll be like 0.00000, whatever, but at least you still own that bitcoin, and when it goes up, it goes up, you know, relatively to what you put in.
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Very simple.
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So if the Bitcoin doubles and you had one dollar, you get two dollars.
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It's that simple.
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So, but if you had what Bitcoin is at$100,000, it doubles to$200,000.
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What you have now?
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$200,000.
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So that's how you have to think about it.
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But with um, but the platform for fractional banking, uh, or sorry, flat fractional stock investing, it's sort of the same thing.
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You're allowed to invest like five, ten, you know, uh, fifteen dollars in in the stocks, like you mentioned, those stocks that are like 200, 300, 400.
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So there's platforms for that now.
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Right, right, right.
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So and and it's mad easy.
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And again, we we we wasn't gonna go into the we, we're gonna try to keep it simple for you.
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Yeah, yeah.
00:11:39.440 --> 00:11:57.679
And if you want to do it, and and the fact that unlike crypto, this is very popular, this is very easy to get to, and it's just another form of sort of savings, so to speak, because now you're investing in something that's been around forever, it's regular, yeah, yeah.
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Things that you you know everyday things, whether it's toothpaste or or or toilet paper or things that you just already are using all the time, right?
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Right?
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Maybe maybe you even own a Tesla or something like that.
00:12:09.360 --> 00:12:15.440
You know, I you you sort of I've seen plenty of videos out there where they talk to kids about this stuff.
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You know, you love buying them Nike shoes right there, but what if you took the same$250 you bought for them pair of shoes and got you some Nike stock?
00:12:24.480 --> 00:12:26.320
Right now you're an owner, right?
00:12:26.639 --> 00:12:26.799
Right?
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Right.
00:12:27.279 --> 00:12:29.279
And yeah, cool, spoil yourself every now and then.
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But buying the new shakes that come out every six months, right?
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Or every three months, however often they come out, I mean, now I and I get it.
00:12:40.080 --> 00:12:41.519
Some of these shoes are worth a bunch of money.
00:12:41.600 --> 00:12:45.519
Now you got people who are making money making a living off selling shoes now and stuff like that.
00:12:46.000 --> 00:12:49.919
But just consider it though, because everybody's not gonna, there's always that one percent.
00:12:50.080 --> 00:12:51.519
They show you the one percent.
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The one percent of people that are millionaires off of making money on shoes, just like the one percent are going to the to the NBA or to the NFL, right?
00:13:00.320 --> 00:13:06.960
Uh it's it's the one, it's not, it's it's the one percent, it's not the likelihood that that's gonna happen to uh a wide range of people, right?
00:13:07.120 --> 00:13:09.600
So, but anybody can go and buy some stock.
00:13:09.759 --> 00:13:10.399
Yeah, yeah.
00:13:10.559 --> 00:13:13.279
And and and like I said, it's easy to get into.
00:13:13.440 --> 00:13:20.000
And and just think about it, like you know, think about the stuff that you're using and you putting money because you use it.
00:13:20.240 --> 00:13:32.240
So you of three billion people, because these companies are worldwide, they're being used worldwide, and they're that's why their stocks is up so high per share.
00:13:32.720 --> 00:13:42.639
And but you know, we uh uh the society has built a way to say, hey, you know, what if you want to get into it just a fraction of it, you know, just a percentage of it.
00:13:42.799 --> 00:13:50.399
So you at least that gives you the understanding on how it works, how your money can grow, and how you can make money from it.
00:13:50.799 --> 00:13:57.279
And by and and you could do like back in 20 uh 20 years ago, 30 years ago, that's what your parents put in.
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They'll they'll buy one share.
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And then 30 years later, that one share is worth like four or five thousand dollars.
00:14:05.200 --> 00:14:06.399
You're like, how does that happen?
00:14:06.559 --> 00:14:08.080
There's discipline in that though.
00:14:08.240 --> 00:14:08.720
Exactly.
00:14:09.120 --> 00:14:11.919
We in a we in a microwave generation right now, right?
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Instant gratification.
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A lot of our parents and grandparents was able to, you know, buy those things and hold on to them for a long, long time.
00:14:20.559 --> 00:14:22.799
Right, and even pass them on down.
00:14:23.279 --> 00:14:26.080
So yeah, so you gotta think about that.
00:14:26.639 --> 00:14:32.480
Just kind of understand that's what they did, but now um the things are a little bit easier.
00:14:32.559 --> 00:14:38.240
And to your point, it's uh it's a micro generation, that's why we have fractional fragrances.
00:14:38.399 --> 00:14:40.960
It's like so it's fair, right?
00:14:41.279 --> 00:14:44.960
Because you don't have to have uh$300 to go get an Amazon.
00:14:45.600 --> 00:14:55.440
Right, right, you know, or if you have$200, you could buy a certain amount of percentage, and if it goes up, so let's say the share does double, your money double, you know.
00:14:55.600 --> 00:14:57.679
So if the share doubles, the money doubles.
00:14:57.919 --> 00:14:59.519
So that's all you gotta think about.
00:14:59.679 --> 00:15:06.159
And again, instead of taking that money and spending it, you got a couple of dollars, you're putting it away every week.
00:15:06.960 --> 00:15:09.919
You Gucci, you're doing good, you know?
00:15:10.159 --> 00:15:15.919
Because one day you'll wake up, you're like, hey, I have this much in it, and then you find out, hey, wait a minute, I invest in this.
00:15:16.720 --> 00:15:24.399
Apple has come out with this new futuristic uh uh phone, and it's like, okay, their stock just went up 50%.
00:15:25.200 --> 00:15:27.440
Guess what happened to your little fractional money?
00:15:28.000 --> 00:15:29.120
It went up 50%.
00:15:30.639 --> 00:15:32.720
So you have to think about these things.
00:15:32.799 --> 00:15:36.799
These are some of the tools in society that helps be people become wealthy.
00:15:36.960 --> 00:15:48.080
But we gotta start as UPIs, underprivileged income people, we have to start somewhere and we have to take advantage of some of these tools, some of these opportunities that are out there.
00:15:48.159 --> 00:15:49.840
And sometimes you just don't know.
00:15:50.559 --> 00:15:52.240
And that's why we're here, right, Anton?
00:15:52.399 --> 00:15:52.639
That's right.
00:15:52.960 --> 00:16:00.559
We're here to bring these things to you so to know that there is an opportunity, but it's gonna take discipline.
00:16:01.279 --> 00:16:10.159
It's gonna take, and that's and I real talk UP uh our UPI, our underprivileged community do not have that discipline.
00:16:10.559 --> 00:16:17.360
And it's even harder for you to have that discipline because your environment doesn't have that discipline.
00:16:17.600 --> 00:16:22.320
Because let's say you you download an app to to do fractional uh investing.
00:16:22.720 --> 00:16:24.240
Your mom's gonna be, what you doing?
00:16:24.320 --> 00:16:25.440
Oh, what the heck is this?
00:16:25.600 --> 00:16:26.080
What is this?
00:16:26.159 --> 00:16:29.360
This you can spend that five dollars can be spent doing something else.
00:16:29.600 --> 00:16:32.080
That five, why don't you put that five dollars away?
00:16:32.320 --> 00:16:34.720
But what if you do put it in a fraction?
00:16:35.039 --> 00:16:48.240
Now you put the five hours away uh uh in a fractional investing thing, uh uh app or platform, and then all of a sudden, mom is saying something, but three months later that five dollars was becomes ten dollars.
00:16:48.559 --> 00:16:51.360
Then that ten dollars become you know twenty dollars.
00:16:52.159 --> 00:16:54.720
And you ain't stressing, you just letting it grow.
00:16:54.879 --> 00:16:56.240
Let it rise, let it go.
00:16:56.480 --> 00:17:02.320
Always remember, ladies and gentlemen, money needs money to make money.
00:17:02.559 --> 00:17:07.359
If that makes sense to you, money has to move to be for it to grow.
00:17:07.599 --> 00:17:10.000
Money ain't making money unless it's what?
00:17:10.240 --> 00:17:11.039
Unless it's moving.
00:17:11.359 --> 00:17:11.839
Moving.
00:17:12.079 --> 00:17:13.279
It's gotta be moving, man.
00:17:13.440 --> 00:17:22.240
So if it's sitting in that checking account, not doing nothing, sitting in that savings account collecting what?0001%, right?
00:17:22.720 --> 00:17:24.000
It ain't doing nothing.
00:17:24.240 --> 00:17:29.519
That's why if everybody went to the bank to get their money out at the same time, they wouldn't have the money to give.
00:17:29.680 --> 00:17:30.079
Exactly.
00:17:30.240 --> 00:17:33.200
Because it ain't there, because they're moving it, they're moving it.
00:17:33.359 --> 00:17:34.880
The banks are moving, that's how they're making money.
00:17:35.599 --> 00:17:36.799
It starts moving, it's in rotation.
00:17:36.960 --> 00:17:37.279
That's right.
00:17:37.759 --> 00:17:38.720
Digitally, yeah, sure.
00:17:38.799 --> 00:17:39.440
You see your account.
00:17:40.319 --> 00:17:43.920
Yeah, but in the back end, there's like, ah, okay.
00:17:44.079 --> 00:17:47.440
Tommy put this much or uh or James put this much in there.
00:17:47.599 --> 00:17:52.000
All right, we're gonna leave that show where he pulls it up on his bank account, it shows us there.
00:17:52.160 --> 00:17:59.200
But we took that money, we're gonna make ten dollars on that one dollar, or nine dollars on that one dollar.
00:17:59.359 --> 00:18:00.319
Yeah, absolutely.
00:18:00.480 --> 00:18:02.240
Because it's uh it's a rule of thumb.
00:18:02.319 --> 00:18:03.039
You can look this up.
00:18:03.200 --> 00:18:06.559
Yeah, for every one dollar banks handle, they can lend it out ten times.
00:18:06.799 --> 00:18:07.519
Ten times.
00:18:07.759 --> 00:18:16.799
And when we talk about, and we're gonna get into this about uh about insurance companies and why the wealthy leverage them so much, right?
00:18:17.119 --> 00:18:22.720
Because for every one dollar the insurance company handles, they have to have three to five in reserve.
00:18:22.960 --> 00:18:23.599
That's the difference.
00:18:23.759 --> 00:18:27.680
It's a reverse philosophy, it's a reverse philosophy with insurance companies.
00:18:28.000 --> 00:18:29.519
But let's let's get back on track.
00:18:29.839 --> 00:18:32.640
So so what are the we mentioned some of the top companies.
00:18:32.799 --> 00:18:35.359
Invest in what you know, like these fractional stocks.
00:18:35.440 --> 00:18:38.480
You know Apple, you know Amazon, Microsoft.
00:18:38.640 --> 00:18:41.440
You're probably using it on your computer, uh, Google.
00:18:41.759 --> 00:18:42.880
Probably watching this on it right now.
00:18:43.440 --> 00:18:44.480
Maybe you watch it on right now.
00:18:45.359 --> 00:18:54.319
So imagine you invest in it, and and you know, every day, you the millions millions of people who buy this stuff and jump on is is crazy.
00:18:54.480 --> 00:18:58.960
Like these numbers will drive, will say, oh my God, I can't believe that much people.
00:18:59.119 --> 00:19:00.960
Sometimes they will show sales, yeah.
00:19:01.039 --> 00:19:07.119
Uh a Microsoft uh software, this was selling every 12 minutes and it was$300.
00:19:07.759 --> 00:19:08.559
Think about that.
00:19:08.720 --> 00:19:10.720
Every 12 minutes of selling$300.
00:19:11.119 --> 00:19:11.920
And what does that do?
00:19:12.000 --> 00:19:13.599
That helps their stock go up.
00:19:13.920 --> 00:19:14.880
And what does that do?
00:19:14.960 --> 00:19:20.160
If you put your little fractional money in there, in that stock, that's going up.
00:19:20.319 --> 00:19:21.039
Yeah, yeah.
00:19:21.359 --> 00:19:22.480
So think about that.
00:19:22.799 --> 00:19:36.640
And and again, and it helps you build, it exercises your mind on once you get to a bigger level, once you have that money, that if you're doing this, your money is making money.
00:19:37.119 --> 00:19:41.519
Absolutely, absolutely, and you get that momentum to get that, right?
00:19:41.680 --> 00:19:41.839
Right.
00:19:41.920 --> 00:19:49.119
And look, and look, as if y'all didn't hear the hear the disclaimer look, we we obviously FBN Finance Bro is not telling you what to go out and buy.
00:19:49.359 --> 00:19:49.440
Right.
00:19:49.680 --> 00:19:59.839
Our our main goal here remains the same provide fundamentals, encourage curiosity, give you guys enough motivation to go out there and do your own due diligence, do your homework.
00:20:00.240 --> 00:20:01.759
Work to figure out what's best for you.
00:20:01.920 --> 00:20:02.640
There you go.
00:20:03.119 --> 00:20:04.400
So, so yeah.
00:20:04.559 --> 00:20:09.839
So basically, we we told you what you could do, but you're like, Mike, so how do I do this?
00:20:10.000 --> 00:20:11.119
Well, I'm gonna tell you.
00:20:11.279 --> 00:20:13.200
You know, you know, you know I'm gonna tell you.
00:20:13.680 --> 00:20:14.799
You know, I'm gonna keep it simple.
00:20:14.880 --> 00:20:16.240
So keep it simple, absolutely.
00:20:16.400 --> 00:20:20.160
So basically, it's going, and what I'll do as I mentioned the names, I'll put it up.
00:20:20.240 --> 00:20:22.720
Uh you'll see it uh on my left over here.
00:20:22.880 --> 00:20:28.400
You'll see I'll put up the the app or that you could go into and it's right on your smartphone.
00:20:28.480 --> 00:20:30.160
All you need is a smart form.
00:20:30.319 --> 00:20:38.720
And remember, like I said, to join, they might ask you some pertinent information, which some personal information, but just think about it as like opening up a bank account.
00:20:38.799 --> 00:20:42.799
Again, it's a regulated thing that you could be making money on.
00:20:43.039 --> 00:20:44.640
So we have Robin Hood.
00:20:44.799 --> 00:20:49.519
Robinhood is probably one of the best sites, no fees, very popular, very popular.
00:20:49.680 --> 00:21:08.240
People have it on the phone, and you could just uh take your your cash from your bank account straight into a stock, and then you could say, okay, they're saying this is one dollar or five dollars to pitch your uh to uh to uh to buy some stocks into the uh into this company, and then boom, you could just go on the app and do that.
00:21:08.400 --> 00:21:09.039
Cash app.
00:21:09.279 --> 00:21:11.279
Now a lot of people are using Cash App.
00:21:11.599 --> 00:21:17.599
Yes, Cash App, not only Cash App has fractional stock, it has crypto too, it has Bitcoin on there too.
00:21:17.680 --> 00:21:19.119
So a lot of people don't know that.
00:21:19.200 --> 00:21:26.640
That's why we said this or that, because they're trying to make these platforms, Robin Hood, Cash App, have both.
00:21:26.799 --> 00:21:33.119
They have crypto or they have uh um they have the fiat or fractional stocks.
00:21:33.440 --> 00:21:36.000
So you want to go towards the regulated side, they got you.
00:21:36.160 --> 00:21:41.119
Do you want to go towards the crypto side, deregulated, that's not regulated as much now, they got you.
00:21:41.359 --> 00:21:48.240
Either way, it's it's it's based on your risk assessment on what you feel you're comfortable in doing it.
00:21:48.319 --> 00:21:50.400
So just just keep that in mind.
00:21:50.559 --> 00:21:51.680
Um, fidelity.
00:21:51.839 --> 00:21:53.599
Fidelity is a brokerage house.
00:21:53.839 --> 00:21:56.000
Again, I'm gonna put it up there so you guys can see it.
00:21:56.079 --> 00:21:59.759
So maybe if you if you want to look up the app, you can see what the app looked like.
00:21:59.920 --> 00:22:03.440
You can have because I know our our UPI people are very visual.
00:22:03.599 --> 00:22:04.079
We know that.
00:22:04.240 --> 00:22:05.279
You're very visual.
00:22:05.440 --> 00:22:09.279
It's up on the board, it's up on the board, and Charles Schwab.
00:22:09.359 --> 00:22:11.920
Charles Schwab is also another brokerage that does that.
00:22:12.079 --> 00:22:14.319
They have an app, and then you could look on an app.
00:22:14.400 --> 00:22:17.200
Uh, and I found one, one that was at the top five.
00:22:17.279 --> 00:22:20.720
I thought that was it, even I didn't know this company called Public.
00:22:20.880 --> 00:22:24.640
So, Public is another company that it helps educate you.
00:22:24.799 --> 00:22:27.680
Like if you go through the website, and we're telling you these things again.
00:22:27.759 --> 00:22:30.720
Well, Anton just said, do your due diligence, do your homework, yeah.
00:22:30.960 --> 00:22:31.920
Do your homework.
00:22:32.240 --> 00:22:41.599
These sites they provide information, they let you read what you're getting into before you get into it, so you understand the full spectrum of what you're getting into.
00:22:42.559 --> 00:22:50.240
So just make sure before you you you start putting money into stuff, read everything, understand everything.
00:22:50.400 --> 00:22:57.440
But you know, I just gave you like five apps that you can go in and then again invest.
00:22:57.680 --> 00:23:04.799
If you don't want to go through the crypto side, go to the uh uh the fiat, the cash side, where you can put some money in.
00:23:04.960 --> 00:23:07.920
You know, we have to start somewhere.
00:23:08.160 --> 00:23:12.000
We have to help our our our families get out of that rut.
00:23:12.079 --> 00:23:20.160
Yeah, your mom or dad may not understand it, or maybe somebody in the family is not aware of it, your environment is not conducive to it.
00:23:20.319 --> 00:23:30.640
But if you got yourself a little job and at the end of the day, that money you get, and you you still might have some for savings or some for doing something that you want.
00:23:30.799 --> 00:23:32.960
You know, that was one of our episodes, right?
00:23:33.039 --> 00:23:36.400
The uh your wishes, what you wish for, what you want to grow in.
00:23:36.640 --> 00:23:38.559
So just think about that.
00:23:38.720 --> 00:23:42.319
You know, maybe you could put$5,$10 every week.
00:23:42.400 --> 00:23:42.880
Guess what?
00:23:42.960 --> 00:23:43.920
It adds up.
00:23:44.240 --> 00:23:45.039
Sure does, man.
00:23:45.200 --> 00:23:46.160
It adds up, right?
00:23:46.640 --> 00:23:51.119
So, you know, pennies equal dollars and dollars make sense equals dollars make sense.
00:23:51.279 --> 00:23:51.599
Yep.
00:23:51.759 --> 00:23:52.640
So that that's it.
00:23:52.720 --> 00:23:54.000
That's that's pretty much it.
00:23:54.079 --> 00:23:55.279
There's not much about it, right?
00:23:55.440 --> 00:23:57.519
Hey, look, Mike, we're not gonna be the dead horse, man.
00:23:57.839 --> 00:24:00.480
We're gonna get we we in and out like a drive through this episode.
00:24:00.559 --> 00:24:01.759
We're gonna get right into the breakdown.
00:24:02.000 --> 00:24:02.400
There you go.
00:24:02.480 --> 00:24:02.960
There you go.
00:24:04.079 --> 00:24:05.119
That's what it was about it.
00:24:05.200 --> 00:24:08.319
Now what now we just going right through it, and it's really simple, people.
00:24:08.400 --> 00:24:09.359
You just gotta go out and do it.
00:24:09.599 --> 00:24:11.119
Once you got the foundation, the structure.
00:24:11.279 --> 00:24:11.759
Yeah, yeah.
00:24:11.920 --> 00:24:12.880
You can just run through it quick.
00:24:13.200 --> 00:24:14.079
You just went through it.
00:24:14.160 --> 00:24:16.480
So, all right, so so we're gonna hit them with the literal.
00:24:16.559 --> 00:24:20.400
The literal is start with a budget of five to ten dollars.
00:24:20.480 --> 00:24:21.839
Remember, I just said that a week.
00:24:22.160 --> 00:24:23.200
Anybody can do that, yeah.
00:24:23.440 --> 00:24:28.559
Five to ten dollars a week to invest, don't exceed what you can't afford.
00:24:28.799 --> 00:24:29.440
There you go.
00:24:29.920 --> 00:24:31.039
So that's the literal.
00:24:31.119 --> 00:24:33.440
So think about that when you're about to start today invest.
00:24:33.759 --> 00:24:34.880
Five to ten dollars.
00:24:35.119 --> 00:24:37.599
You can save five to ten dollars a week.
00:24:38.000 --> 00:24:41.680
And if you're putting it where the money is moving, the money's growing.
00:24:42.319 --> 00:24:43.680
You understand what I'm saying?
00:24:43.920 --> 00:24:47.119
Okay, I think we all can admit we waste five dollars a week.
00:24:47.359 --> 00:24:48.480
Oh, all day, every day.
00:24:48.640 --> 00:24:49.119
For the most part.
00:24:49.440 --> 00:24:50.400
What is 20 bucks?
00:24:50.559 --> 00:24:51.119
That's what you call it?
00:24:51.279 --> 00:24:51.599
20 bucks.
00:24:51.680 --> 00:24:52.480
That's called 20 bucks.
00:24:52.640 --> 00:24:53.759
20 bucks, not Starbucks?
00:24:53.920 --> 00:24:54.720
Nah, nah, it's 20 bucks.
00:24:54.880 --> 00:24:55.680
It's 20 bucks.
00:24:56.799 --> 00:24:58.480
If you got kids, it might be 40 bucks.
00:24:58.799 --> 00:24:59.920
It might be 40 bucks.
00:25:01.119 --> 00:25:02.720
So, so what's the mental here?
00:25:02.799 --> 00:25:05.119
The mental is small steps count.
00:25:05.359 --> 00:25:06.079
I just said that.
00:25:06.319 --> 00:25:07.359
Small step count.
00:25:07.599 --> 00:25:12.240
It's better to invest five a month than zero yearly.
00:25:12.880 --> 00:25:13.759
How about that?
00:25:14.079 --> 00:25:15.279
Five a month than zero.
00:25:15.359 --> 00:25:19.599
Yeah, five a month is a sixty dollar investment a year, and who knows?
00:25:19.759 --> 00:25:26.480
Investing either in crypto or in these fractional stocks, that that 60 might not be a hundred.
00:25:27.519 --> 00:25:33.920
Where if you didn't put that five or ten bucks a month away, um uh, you know, you will have zero.
00:25:34.000 --> 00:25:35.039
You won't have anything.
00:25:35.200 --> 00:25:37.519
So mentally, just think about that.
00:25:37.839 --> 00:25:43.519
If I just put away five or or ten bucks a month into something, boom.
00:25:43.839 --> 00:25:45.359
That's not a month.
00:25:46.400 --> 00:25:51.680
And and I know there's some people out there who can't do that when we get that, but you're gonna get there.
00:25:51.920 --> 00:25:58.000
There's you're gonna get help to get there because if you're at that point in your life, it is a whole different thing for you.
00:25:58.160 --> 00:26:07.759
But if you have the opportunity to watch Finance Bros Network, and and we're happy that you're either listening to us or you're watching us, and and and just just stay positive.
00:26:07.920 --> 00:26:29.599
Help will come to you, and then you could always come back and watch this show again or listen to the podcast again to say, oh, I remember when I was down and out, I was listening to these guys, or I saw these guys, and they were talking about something about, you know, I got this last five hours, I paid everything, but you know, I'm on hard time, but I'm leveling up.
00:26:29.680 --> 00:26:33.039
I'm gonna make sure I never get back to where I have no money again.
00:26:33.200 --> 00:26:34.079
I love that, bro.
00:26:34.160 --> 00:26:35.440
Now it really means something.
00:26:35.599 --> 00:26:36.079
You feel me?
00:26:36.240 --> 00:26:37.119
Because it's applicable.
00:26:37.279 --> 00:26:37.599
Right.
00:26:37.759 --> 00:26:38.319
You know what I mean?
00:26:38.559 --> 00:26:39.200
I love that, man.
00:26:39.440 --> 00:26:44.640
Once it's once it's on, once it's recorded and it's on it's on wax, it's in the vault, yep, can't take it away.
00:26:44.799 --> 00:26:45.440
Yep, yep.
00:26:45.599 --> 00:26:46.480
Yeah, I like that, brother.
00:26:46.720 --> 00:26:48.000
All right, hit him with the spiritual, bro.
00:26:48.160 --> 00:26:48.559
All right, brother.
00:26:48.640 --> 00:26:49.839
So here's the spiritual man.
00:26:50.000 --> 00:26:54.079
Let investing be a form of stewardship, not fear.
00:26:54.799 --> 00:27:04.319
And in saying that, Mike, I want to make it very clear that when you take the time to learn about something, the fear of it starts to go.
00:27:05.680 --> 00:27:08.799
It starts to go away because you understand it a little more.
00:27:08.960 --> 00:27:18.640
And when you get involved with something, any this is anything we put our time into, it's gonna be investing, it's gonna be relationships, it could be a new job you might be going into or a career or a business you're about to go and start.
00:27:18.720 --> 00:27:19.839
Yeah, take the time.
00:27:20.000 --> 00:27:22.079
Let's take the time to educate ourselves.
00:27:22.319 --> 00:27:22.640
Right.
00:27:22.799 --> 00:27:29.039
So we're making uh we're making decisions based on uh strategy and not emotion.
00:27:29.279 --> 00:27:29.920
There you go.
00:27:30.400 --> 00:27:30.880
There you go.
00:27:31.279 --> 00:27:38.319
So that's the sewership that he's talking about, you know, letting that it become something that you believe in.
00:27:38.799 --> 00:27:41.279
And then and then you won't it will you won't be afraid of it.
00:27:41.680 --> 00:27:44.559
Yeah, and and just just believe in something like that.
00:27:44.720 --> 00:27:46.160
That's that's the spiritual, bro.
00:27:46.480 --> 00:27:46.960
I get it.
00:27:47.039 --> 00:27:47.359
Absolutely.
00:27:47.599 --> 00:27:52.400
And we're all have we all have something, a type of legacy that we're building in our life, all right?
00:27:52.559 --> 00:28:06.160
And to be financially free is a is it it's it's such a huge part of being able to go out and give more and do more and be in flow and in alignment while we're doing it.
00:28:06.319 --> 00:28:08.240
And live life, yeah, man.
00:28:08.640 --> 00:28:09.359
Live life.
00:28:09.519 --> 00:28:21.200
It's like, yeah, it don't be mad that it's wherever you at in life, and maybe you're fortunate enough to be hearing us uh at the age of 15, 17, and then you're adapting these rules.
00:28:21.279 --> 00:28:22.640
Because I wish I had something like that.
00:28:23.920 --> 00:28:31.839
I wish because when you my age, listen, if you actually applying it, when you my age, oh my god, you would be changing the world.
00:28:32.000 --> 00:28:33.119
Elon Musk, who?
00:28:34.880 --> 00:28:35.759
You feel me?
00:28:36.000 --> 00:28:42.160
So if you're applying some of these practicalities in finance, it'll help you grow.
00:28:42.240 --> 00:28:45.920
So yeah, if you have 17, 18, take heart to this.
00:28:46.079 --> 00:28:47.839
Try to adapt it as much as you can.
00:28:48.000 --> 00:28:51.759
But if you have 50, there's there's never no late to start.
00:28:52.240 --> 00:28:53.839
Because now you're wiser.
00:28:54.000 --> 00:28:57.599
What's gonna take that 17, 18 year old maybe 10 years to build?
00:28:57.680 --> 00:28:58.720
You could knock it out in two.
00:28:59.200 --> 00:28:59.599
Yeah, yeah.
00:28:59.680 --> 00:29:02.720
You can't you can change your your situation in two years.
00:29:03.039 --> 00:29:03.519
Right, right.
00:29:04.160 --> 00:29:05.200
So so think about that.
00:29:05.440 --> 00:29:08.400
Yeah, apply application, application at the speed of light.
00:29:08.559 --> 00:29:08.799
Right.
00:29:09.119 --> 00:29:09.599
You know what I mean?
00:29:09.839 --> 00:29:10.880
Right, action right away.
00:29:11.759 --> 00:29:12.240
Don't sit on it.
00:29:12.319 --> 00:29:12.720
There you go.
00:29:12.880 --> 00:29:14.400
Don't sit on your hands, get out there and do it.
00:29:14.559 --> 00:29:15.039
There you go.
00:29:15.119 --> 00:29:21.359
And we're giving you the tools, we're showing you what to do, and and it's not as expensive as you think.
00:29:21.759 --> 00:29:23.680
It's only expensive if you make it expensive.
00:29:23.839 --> 00:29:24.319
How about that?
00:29:24.400 --> 00:29:25.359
Yeah, true.
00:29:26.559 --> 00:29:28.079
Could be more expensive not to do it.
00:29:28.240 --> 00:29:29.359
Right, exactly.
00:29:29.599 --> 00:29:31.519
All right, let me hit them with the t-shirt.
00:29:31.680 --> 00:29:34.400
So the t-shirt says fractional share.
00:29:34.640 --> 00:29:39.200
Uh fractional shares because some of us only get.
00:29:40.000 --> 00:29:41.279
Wait a minute, my bad.
00:29:41.359 --> 00:29:42.480
I gotta read this right.
00:29:42.799 --> 00:29:43.279
It's all good.
00:29:43.359 --> 00:29:43.599
Go ahead.
00:29:43.920 --> 00:29:49.039
Fractional shares because some of us only got fractional paychecks.
00:29:49.200 --> 00:29:49.680
How about that?
00:29:49.839 --> 00:29:50.640
Ain't that something?
00:29:51.599 --> 00:29:56.880
Fraction, in other words, we're getting a piece of something because we're only getting a piece of paycheck.
00:29:56.960 --> 00:29:57.759
You feel me?
00:29:58.000 --> 00:30:02.799
Oh man, as hard as you work, you ain't getting that whole paycheck, no matter what you do.
00:30:02.960 --> 00:30:03.680
Now I feel you.
00:30:03.839 --> 00:30:07.519
Remember, we talked about I take 10% and do something for myself?
00:30:07.759 --> 00:30:11.759
Because that 90% of that check is going to something or somebody else.
00:30:11.839 --> 00:30:12.319
How about that?
00:30:12.720 --> 00:30:13.440
Yeah, that's true.
00:30:13.519 --> 00:30:15.920
But hey, we got you got you gotta tell like it is, man.
00:30:16.000 --> 00:30:16.480
That's true.
00:30:16.640 --> 00:30:17.519
That's very true.
00:30:17.680 --> 00:30:19.920
Hurtful or not, is what it is.
00:30:20.240 --> 00:30:21.039
That's what it is.
00:30:21.119 --> 00:30:24.319
So it is still fair because everybody can get in the game.
00:30:24.480 --> 00:30:24.799
Right, right.
00:30:25.119 --> 00:30:27.359
Everybody can get in the game no matter what we're working with.
00:30:27.599 --> 00:30:33.119
Everybody can can take a small piece of their effort and apply it towards their future in this way.
00:30:33.279 --> 00:30:33.440
Right.
00:30:33.519 --> 00:30:42.799
And I and I hope who knows that they maybe they're gonna start teaching stuff like this in school because this is the stuff you need to learn when when you get your first job.
00:30:42.880 --> 00:30:46.400
You can start working uh at 15 with with paperwork, right?
00:30:46.559 --> 00:30:46.720
Yeah.
00:30:47.039 --> 00:30:47.759
Most states.
00:30:47.839 --> 00:30:49.519
Uh some might be even 14.
00:30:49.599 --> 00:30:50.480
You could start working.
00:30:50.720 --> 00:30:52.079
Man, get a job that young now.
00:30:52.400 --> 00:30:53.039
Yeah, yeah, yeah.
00:30:53.119 --> 00:30:55.200
But with a work permit.
00:30:56.319 --> 00:31:00.400
So this should have been the first education that they that they roll out, yeah.
00:31:00.960 --> 00:31:02.079
Even before they get paid.
00:31:02.240 --> 00:31:08.000
So we're talking about from junior high school, middle school, junior high school, middle school.
00:31:08.319 --> 00:31:12.480
This should have been an education that uh were given to you.
00:31:12.880 --> 00:31:13.440
But guess what?
00:31:13.519 --> 00:31:14.559
The government ain't gonna do that.
00:31:14.640 --> 00:31:15.839
You crazy, you kidding me?
00:31:16.000 --> 00:31:16.480
Yeah, man.
00:31:16.559 --> 00:31:23.279
And you think about it, like most most people when we think about something like that, it's like I want to get a job so I can go out and buy XYZ.
00:31:23.519 --> 00:31:24.240
That's all they think about.
00:31:24.400 --> 00:31:24.799
It's not.
00:31:25.200 --> 00:31:27.759
I want to go get a job so I can invest and save.
00:31:27.920 --> 00:31:29.759
It's not the it's not the typical conversation.
00:31:30.000 --> 00:31:31.519
And ironically, that's the best time.
00:31:31.599 --> 00:31:32.079
Because guess what?
00:31:32.240 --> 00:31:33.279
Mama's taking care of the rent.
00:31:33.359 --> 00:31:34.880
Mama's taking care of the bills.
00:31:35.119 --> 00:31:36.640
Mama, you you ain't got no bills.
00:31:36.799 --> 00:31:37.920
That's the best time to do it.
00:31:38.000 --> 00:31:39.279
That's the best time to do it.
00:31:40.000 --> 00:31:40.640
So here you go.
00:31:41.119 --> 00:31:41.519
Take advantage.
00:31:41.680 --> 00:31:42.640
All right, we're gonna go.
00:31:43.920 --> 00:31:44.720
Best practice.
00:31:45.200 --> 00:31:49.119
Remember, we're starting from the first episode of the season all the way up to now.
00:31:49.200 --> 00:31:49.759
So here we go.
00:31:50.160 --> 00:31:50.640
Here we go, man.
00:31:50.799 --> 00:31:59.440
Whether it's Trump or anyone else in in office, you are the president of your pocket.
00:32:00.960 --> 00:32:07.119
The wealthian policy is what matters most for your future, and don't forget it.
00:32:07.279 --> 00:32:13.599
Wealthians, the way you move today is how you will slay tomorrow.
00:32:14.079 --> 00:32:19.680
Maybe with digital currency, because ready or not, here it comes.
00:32:19.920 --> 00:32:25.519
So learn it and embrace it because it's the future of our finance.
00:32:26.079 --> 00:32:37.599
Or you can jump into something that's more regulated, and you can trust like five uh fine um fractional stocks.
00:32:38.079 --> 00:32:44.400
So either this or that, wealthier, don't spend it, invest it.
00:32:44.640 --> 00:32:45.519
How about that?
00:32:45.839 --> 00:32:46.640
I love it, Mike.
00:32:46.799 --> 00:32:47.599
There you go, brother.
00:32:47.839 --> 00:32:48.319
It's all right.
00:32:51.119 --> 00:32:52.559
And it just, man, I love it.
00:32:53.200 --> 00:32:57.200
It gets better and better, and it gets bigger and bigger, and we get to watch it all come together.
00:32:57.359 --> 00:32:58.880
Hey y'all, we love y'all.
00:32:59.039 --> 00:33:00.400
Thanks for tuning in.
00:33:01.039 --> 00:33:04.960
Uh, next time, next episode, we're gonna be coming with some knowledge for people on uh on.
00:33:05.200 --> 00:33:07.039
We actually gonna be talking about a little bit about the insurance.
00:33:07.440 --> 00:33:07.839
Yeah, yeah, yeah.
00:33:08.000 --> 00:33:08.400
All right, yeah, yeah.
00:33:08.640 --> 00:33:10.480
Gonna be educational, gonna be fun.
00:33:10.640 --> 00:33:14.880
We're gonna get into some deeper dives as uh as the as the season goes on.
00:33:15.359 --> 00:33:18.480
But we definitely want to break down, like we say, break down some fundamentals for them first.
00:33:18.559 --> 00:33:18.720
All right.
00:33:19.039 --> 00:33:20.319
So we got a real treat for you guys.
00:33:20.400 --> 00:33:24.640
Obviously, don't forget to come check us out right here at our home on HHN TV.
00:33:24.799 --> 00:33:34.880
And don't forget to listen on all your social media podcast platforms, Apple, Apple Podcasts, iHeartRadio, uh, Spotify, you know, anywhere you can find us, all right?
00:33:35.039 --> 00:33:37.200
And obviously, as y'all know, Mike.
00:33:37.440 --> 00:33:38.799
I appreciate you.
00:33:39.359 --> 00:33:40.880
And we'll see you at the bank.
00:33:41.039 --> 00:33:42.000
All right, peace, y'all.
00:33:42.160 --> 00:33:42.799
Take care, world.
00:33:43.119 --> 00:33:43.519
Later.