➡ The speaker is emphasizing the importance of building a legacy and wealth independently, without relying on banks or external financing. He encourages changing our mentality to value our neighborhoods and land, and to use our resources to create opportunities and jobs. He stresses the need to focus on long-term growth and legacy, rather than short-term gains or impressing others. The speaker also criticizes the current mindset of seeking immediate gratification and entertainment, instead of investing time and effort in gaining knowledge and building a sustainable future.

➡ The text emphasizes the importance of being self-reliant, not depending on banks, and eliminating debt. It also highlights the necessity of leaving an inheritance for your family when you pass away. This is seen as a requirement for those who are ‘chasers’, a term used to describe ambitious and hardworking individuals. The text also encourages people to join their Patreon, a platform for supporting creators.

This was an interesting conversation. Shannon Sharp and Chad Ocho Cinco had a conversation on Nightcap about the cost of living. I was telling the people that was in the bag chasers that I had planned on reviewing this during this show and that I wanted to have this conversation. I did not watch the whole thing. I only watched the first two minutes. But I want to see exactly what they have to say about the cost of living in today’s time. Check it out. Hello, it’s your favorite sports star. Cost of living the most years ago in 1985.

Which one of these items surprises you the most? Hold on. I can’t. I can’t. I can’t see that. They’re good now. Hold on. Can you see it now? A new house costs $84,300. The average income was $23,600. Minimum wage was $335 an hour. Average rent $432 a month. College tuition $4,560. A spanking brand new car was less than $7,700. Milk was $220 a gallon. Eggs was $85,700. A loaf of bread cost $0.68. A movie ticket was $355. And gas cost $1.12 a gallon. Now, let me say this before they give their input. Because we’re looking at this.

They said a new house was $84,000. But minimum wage was only $3. Average income was only $23,000 a year. I will also tell you this. A lot of people are looking at this through the lens of what they make now. Man, man. If I could buy a car for $7,700, $7,600. Well, that’s because you’re basing it off of how much you make now. Try to buy a car making $12,000 a year. Because if you actually break it down, let’s say that the average car costs $45,000 a year now, right? Let’s say the average car costs $45,000 a year.

But you make $80, $90, $100. Some of y’all make $80, $90, $1,000, $100,000 a year. It’s commensurate. Because you make more than double whatever the cost is. So if you made $14,000 a year, right? You made $23,000 a year. A lot of y’all keep telling you making $120,000, $130,000, $140,000 a year. Then that’s commensurate almost pretty much commensurate with whatever it is that you make. So a lot of us are looking at this through the lens of what we make now. You can’t look at it through the lens of what you make now. You got to look at it through the lens of what they made.

And I will also do you something else better. I’ll do you another thing better, right? What also was interesting was that we didn’t have financing like we have it now. You bought a house for $84,000, but you paid in the teens of interest rates. Let me look at what the interest rates was in 1985. Interest rates, let me show this, because I want people to understand this. A lot of times we had these conversations in a vacuum. Interest rates in 1985, average 30-year fixed mortgage interest rate was 12.43%. 12.5% was the interest rate. So you paid, you bought an $85,000 house on a $20,000 salary with a 12.5% interest rate.

And you stayed in the hood. Ah, so it’s different now, huh? It’s different now, huh? 30-year interest rate, 12.5% in 1985. So when people say, man, they need to get the interest rates back below 3%, boy, don’t you realize that that was a blip in time? Interest rates ain’t never been no 2.5%, 3%. Historically, interest rates have always been high when it comes to financing a home, but that was your forever home. You moved in there, you stayed in there, you lived in there, you knew your neighbors, you raised your kids in there. You had 13 kids living in three and a half, three bedrooms and one and a half bathroom and everybody had one shower.

They all use one shower and you lived there your entire life. I’m telling you what it was, 12.5% interest rates. And so, yeah, it is different now, but they’ve also, and let me tell you what the real trick is, the real trick was in the financing. The real trick was in the financing because when they realized that people would go based off of, they would buy things based off of what their payment was instead of what the purchase price was, financing ruined everything. It wasn’t the cost of money, it wasn’t the inflation, it wasn’t none of that, it was financing.

Financing is the biggest factor when it came to raising prices for items because people didn’t go in and say, how much is the item? And they said, what is my payment going to be? And so what that allowed for the seller of these products to do was to raise the prices based off of how much you were willing to finance. So if you were able to finance, whereas back in the 70s and the 80s, they saved for their car and then they purchased it cash. They made the sacrifice, they saved for their cars, they saved for their houses, they put down a 20% dollar payment, all of that, and then they paid for their stuff straight up.

That’s what they did. You saved for your car, you got you a new car, that was the end of it. That was the end of it. And then you took care of it, you worked on it, you took care of it, you changed and all this other stuff. So now what they did was they said, listen, we could sell them anything if they willing to finance it long enough. And then they made money on the front end of the car because the manufacturer then separated itself from the financing, right? And then most of the time the manufacturer and the financing actually was under the same car, just different departments and different umbrellas, but they accounted for it differently.

So then the people that manufactured the car, let’s say Ford Motor Company would manufacture the car the minute that it left the lot and it went to the dealership that counted as a car sold. Because all the incentive was on the dealership working with the finance company who then got it on the back end too. So then not only did they make the money off the purchase of the car, but they also made the money on the financing for the car because you was paying interest on the car and the majority of the front loaded interest payments was going straight to the finance company.

And if your car got sold and then or your car was upside down, they said, okay, well, you can roll it into the next payment. And so you was always focused on your payment, which kept you under the rest. And then you started financing everything else. Once they figured out the ticket, sell your cars at lower interest rates, at longer terms, then they start giving you credit cards. They start giving you soon loans. They start giving you a car. Now we got car and after. But, dog, somebody told me you can finance the Airbnb. I said, what? They say, yeah, bro.

They said you can finance going into an Airbnb. They got Klarna after pay on this. There was something else that Rita said. Yeah. Look at that because I was buying something. What was I buying? What did I buy? I bought something that was giving you the option to try to do the Klarna after pay. Dog, you can go to a concert off of Klarna and after pay. You can finance your concert tickets. I was like, dog, this is insane. This is insane. This is insane. Y’all finance and breathe in. You financing your groceries. You financing your shoes.

You’re going to StockX and financing shoes, family. We don’t, most of us, most of us do not have an earning problem. We have a spending problem and we have a financing problem. We got to get everything yesterday and you can’t save for nothing. You can’t save for nothing. Somebody said, Anton, because if you’re a part of the Patreon, you know that I build my house with cash. I don’t use no banks, no financing. I’m self-financed. I’m self-banked. And in 10 years, once I get to a certain threshold and once we grow the company, because I got a long term vision for my company, I want to be the biggest developer in Michigan.

In 10 years, the vision is to ultimately be the bank. I want to be the person that built the homes, sell the homes, and finance you the homes. I want you financing through AD Financial. I want to grow the company. I want my daughter to be running the financing arm of what we build in as far as the property. That’s what I wanted to take over. And so I don’t have, I don’t build relationships with banks. And somebody said to me, they said, AD, you know you can scale your company much bigger if you start working with the banks and you start to finance.

And then I said, that’s not the vision. That’s not what we’re doing. We’re going to get this from the ground up. We’re going to be self-contained, self-financed, and we’re going to be one of the most successful, but it has to start with me. In my lifetime, I may never get to that point, but I’m setting my daughter up to where she should be able to grow this company, to a multi-billion dollar company. If she take the fundamentals and she said, that’s what Trump’s dad did. Trump’s dad walked so he could run. Trump is the foundation.

We’re not willing to make the sacrifices for our children. We’re not willing to do the long work. We’re not willing to do the, we’re not willing to, we got to be the big dog. No, you can live a good life and then you set your children up to be able to change the world. I’m not going to change the world the way my daughter is going to change the world. I’m not going to change the world the way my daughter is going to change the world. So I got to do the legwork. I got to stay away from the pitfalls.

I ain’t going to work with the bank. The goal is to become the bank. The goal is not to make the little bit of money on the front end. The goal is to make the big money by setting the foundation and then becoming the bank. So ultimately the goal is to buy the land, build the property, sell the property, but also be the financier. I want to be the bank. I want to be the person that get to get the 30 year mortgage payments. I want to give you the interest rate because I’m not controlled by the FDIC.

I’m not controlled by the banking industry. I don’t have any money to get from them. All of the money is going to be in. Everything is going to be in. It’s going to be contained. That’s the vision. And think about what that story sounds like. Young guy from Detroit born on green lawn between Norfolk and Chippewa between eight miles, seven miles, Wyoming and living noise went to Hampton elementary school. You would be Jesuit for middle school and then cast technical high school built this multi-billion dollar company. And he didn’t take any financing from the banks.

That’s the story. That’s a legacy. That’s a book right there. That’s the foundation. You walk, you build it. You call, you call, you do all of it so that they can run. That’s the goal. That’s the goal. I don’t need no community to finance me. I don’t have to crowd source. I don’t want to do none of that stuff. The goal is to build it from scratch and then give you the blueprint on how to do it along the way. That’s the goal. But we got to think differently. We got to deconstruct what put us in this position in the first place and we so short-sighted and we want to tear each other down and we want to make it so difficult for each other instead of opening the lane so that you can swim.

That’s what our ancestors did. That’s what the people that did before us. That’s what the people that made the sacrifices before us did. We just took the information and we just stomped on it. Sold our grandma’s homes. Sold big mama’s home. Sold out. Felt like you didn’t have to. Man, I’m not staying here. It’s just bad in here. No, it’s only bad because you made it that way. We got to change our mentality. We got to change the way that we look at our neighborhoods. We got to change the way. They ain’t making them on land.

They did a Jedi mind trek on you to make you think that the land wasn’t valuable because of the people that’s in it. It’s not the land ain’t valuable. It’s that you don’t view it that way because you got a bad mentality. Why you think that they want to devalue the land so that they can buy it under you? They got you running away from the neighborhoods that you’ve been claiming and gang banging and dying on. Your blood is on them streets. Bro. Your blood is on the streets. Think about all of the people that died on the streets.

Think about all of the gang bangers and the drug dealers and the raid vans and the deaths and the dying. You telling me your blood is on them streets and you would never own them? You would never own the very streets that the blood of your ancestors is on? And you talking about power? You going into a rally talking about black queens forever, white, snow bunnies, never? You think that that’s power? That ain’t power. Power is here. And then it translates into your everyday actions. That’s what power is.

But they don’t want you to know that. So they keep you distracted with little, little trinkets and little stuff. And they tell you, you can go on vacation. And yeah, you know, we can go and go to Tulum. And yeah, we can do this. And look what we did on Instagram, man. Fuck Instagram. I’m going to fuck about no pictures. I care about legacy. I care about building things. I care about actually loving the fact that I can employ people and give people jobs and opportunities and knowledge, information. That is the real currency.

That’s the real life. All of this other stuff that we doing, all of this posturing and then talking and going off and all of this stuff, that’s cute. But that ain’t real. That ain’t money. That ain’t legacy. That ain’t power. Power is not being able to be controlled and to say what you want to say when you want to say it. And the minute that you get a leader, that’ll tell you what to do, and the minute that you get somebody to stand up for themselves, the minute that you get somebody that’s willing to put their own money up, you want to kill them because you’re not familiar with what real legacy looks like.

You’re not familiar with what real growth looks like. You don’t even know what leadership is. You wouldn’t know what leadership is if it hit you in the face. You still look into the people of yesteryear. Malcolm X is dead. Martin Luther King is dead. All of those leaders is dead. It ain’t about no Democrat or Republican party. It’s about whether or not you can leverage the information to then build something that other people can benefit off of. That’s legacy. Forget the cost of living. We shouldn’t still be in survival mode in 2025 because you programmed yourself to want to do things that’s not best for you to impress people that don’t care nothing about you.

It’s about blueprint, legacy, life decisions. Make the sacrifice. Stop doing stuff. You already had your fun. Now it’s time to set the precedent so that the people before you or the people that’s after you don’t have to take out student loans so that they didn’t become indoctrinated and then tie themselves to a Democratic party hoping to get student loan forgiveness. That’s legacy. Forget the cost of living. You got to change the way we look at things. I don’t need no banks. I need no Klarna. I need no after pay. You don’t need none of that.

You don’t need nothing. You got two hands, two feet. You got God. That’s all you need. And we got a highway of information that we can leverage. All we got to do is figure out how to contain it and then put it into action. That’s what real growth is. That’s wealth. Wealth is up here. Wealth is here. It’s here. It’s all in your mind. Reprogram yourself not to be dusty. Hopefully somebody hears this message and they say, you know what? I’m going to do things differently. You know what? I’m going to do things differently.

Never going to a bank. I don’t need no bank. A bank? We are the bank. You the bank? Don’t you know that the bank can’t survive without the depositors because the depositors are the ones that’s determining whether or not they can lend out money to make interest off of whatever it is that you’re buying. The bank don’t exist without the depositors. You are the bank. Why would I deposit my money into them instead of giving it to my legacy, instead of building it myself? I don’t need no bank. The bank don’t exist without you.

That’s why they’re trying to guarantee you. FDIC is sure. Listen, if you put your money here, nothing is going to happen to it because they know that they can leverage that and continue to run it up. You the bank? You the ones that’s giving them the money that allows for them to make the interest off of you. Dummy? And they’re going to screw you over. They’re going to get you in life and in death. Hmm. I’m still sorry for the people that left early, right? It wasn’t entertaining enough to them.

Once you start getting to the knowledge, then they start leaving early. Ah, we ain’t talking about no crazy stuff right now. I feel sorry for the people that left early because if it ain’t entertaining, if we not chucking and driving and dancing, we not doing this in front of them, hey! Then they can’t keep their attention span long enough to get the knowledge and the insight. If we not chucking and driving and water waving and shooting each other and killing them and talking about who’s going to jail, then it’s not going to be enough for them.

They got to leave early. That’s what we talk about. That’s why we bag chasers. That’s why we Patreon members. That’s why we don’t depend on no banks. That’s why we get rid of the debt. The Bible say, oh, no, man, nothing. And it also says to make sure that you leave an inheritance for your people when you die. That’s a mandate. That’s over here. If you were a chaser, it’s a mandate for you to be productive, to leave an inheritance, and do not owe any man nothing. It’s a mandate. Make sure you tap into the Patreon.

The link is in the description as well as tap into the top of the chat. [tr:trw].

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