Money Matters
Money Matters
From Financial Cluelessness to Financial Independence: College Students' Journey to Mastering Money
What if you were never taught how to manage money but were suddenly thrown into financial independence? Join us as Ambrose Gabriel and Narin Sanders share their eye-opening experiences and reveal the challenges of navigating the financial maze of college life. They candidly rate their initial financial readiness at a mere two or three out of ten, shedding light on the pressing need for better financial education. Discover their stories of struggle and resilience as they learned to prioritize spending and handle financial responsibilities, from paying rent to budgeting for essentials like food.
Ever wondered how friendship and determination could ignite a passion for financial literacy? We explore pivotal moments where a simple introduction to a financial course by a friend sets the stage for a transformative journey. The episode delves into the importance of humility, seeking mentors, and leveraging resources like YouTube and Google to expand financial knowledge. Through honest discussions, we emphasize the role of hard work and networking in finding credible financial guidance, ultimately leading to a deeper understanding and control over personal finances.
Brick by Brick Empire stands as a beacon of hope in this narrative. Founded by Ambrose Gabriel, this organization aims to break the "broke college student" stereotype and empower students with essential financial skills. From understanding credit to investing, we discuss the critical financial knowledge every young adult needs. Listen to inspiring stories and practical advice encouraging young adults to seize opportunities and take actionable steps toward financial success. Whether you're a high school student eager to get ahead or a college student navigating financial independence, this episode is packed with insights and resources to guide your financial journey.
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Welcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union.
The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.
Welcome to.
Speaker 2:Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want. Now here is your host, ms Kim.
Speaker 1:Chapman. Welcome to another edition of Money Matters. I am your host, kim Chapman, today. Pay attention college students, parents or even potential college students. Are you ready financially for college? What do you know about money? Has your prior education prepared you for the future, for you to be able to go off on your own, potentially, and make those smart, wise decisions about money? Do you have a budget? Do you know how you're going to make ends meet now that you might be independent? Well, today we're going to tackle those discussions. I have two college students here with me that will give us a little insight about their journey, their passion for financial education, what they've learned and maybe where has our education system failed them, maybe where they have missed the mark. So welcome, gentlemen.
Speaker 3:Hello, thank you. Thank you for actually having us Right. Yeah, thank you for bringing us all.
Speaker 1:So start off by, of course, telling us your name, telling us a little bit about your background. I know that both of you, of course, are college students and you're beyond that freshman stage, so you've got a little experience under your belt, and then we'll start getting into the discussion. Ok.
Speaker 3:Yes, thank you, first of all, just inviting us here. It's definitely a privilege to just talk about this and just to be here. Honestly, my name is Ambrose Gabriel. I'm the founder and CEO of Brick by Brick Empire. I'm currently at Louisiana State University studying interdisciplinary studies. I have three minors in entrepreneurship, leadership, development and sociology. I'm from New Orleans, louisiana, born and raised. I'm just excited to be here, honestly.
Speaker 2:I work in radio so I got to give my whole little introduction. My name is Narvin Rico Andre Sanders. You ain't got to rule it all, but it will be appreciated. I'm currently a producer at WBLK Radio. Right now I'm actually I'm fresh out of college. I just graduated from Talladega College out in Alabama, hbcu, proud.
Speaker 1:All right. So if you had to rank your financial readiness on a scale of one to 10, you know one being look, I didn't know anything at all, and 10 was hey, I was well prepared. I knew exactly what I was walking into. How would you rank it? What's up with?
Speaker 3:you, ambrose. Walking in. It definitely was about a two honestly, honestly walking in, walking into college, not really being prepared for things that I know now. You know about budgeting, about student loans, about just having those responsibilities as a young adult, about it too.
Speaker 2:OK yeah, walking in yet to two, two, three and two, three. Probably probably one up because my, my, my grandfather is is a business manager. He knows how to handle it word minutes. But that's just one point up, just just just from being related to somebody. It probably is 1.03 all right.
Speaker 1:So I imagine it had to be pretty scary, being that you know, at least looking back. Maybe you didn't realize what it was when you were walking into it, but I'm sure in hindsight you're looking back saying, oh, it's two. That's pretty low on the totem pole. So let's talk about some of the challenges. What were some of the first challenges that you faced that made you realize? Hmm, I wish I had known a little bit more about money.
Speaker 3:Yes, when you started to have to pay rent, when you started to have certain bills that you had to pay as a young adult, like rent, you know just having those expenses of life, just to live, you know expenses and all those different things, especially paying for college and paying for books and paying for your necessities. It is very expensive and when you're not taught how to manage that or manage the finance that you actually have, you could spend it recklessly. You actually have, you couldn't spend it recklessly. You know, because I know, being a freshman in college, a lot of it's it's broadcasted to have, you know, have fun. You know spend your money on food and when we love to eat especially college students we love to eat and that's where a lot of my money went to. A lot of food, a lot of takeout, um, but understanding that I have responsibilities and priorities that need to be paid first. That's one of the things that I learned. It was a struggle for me, but that was the biggest struggle was understanding man, I have things to pay now.
Speaker 1:All right, what about you, naren?
Speaker 2:Yeah, right off the bat it was. I remember about a week after my people dropped me off and you know it's home.
Speaker 1:Reality check.
Speaker 2:So the the calf, so you got time for the calf, right? You gotta say like nine o'clock till four o'clock, maybe five, six, six, six, six o'clock hit and you hungry, you calling your mama. Like my money I need. You know, I used to like to not like with a taco bell or to get me some food. Yeah, so definitely like groceries and just trying to keep yourself, because even over the weekend the times are shorter in the cafeteria where I went to college at so so by like three o'clock, if you didn't eat, even if you did, you still gonna be hungry by the time seven o'clock comes. Yeah, yeah.
Speaker 1:That freshman 15.
Speaker 3:Yeah, I was just talking about that too.
Speaker 2:It's really hard to feed yourself. It's really, it's really scary, because your stomach grow out. You can't do nothing about it. You can't go in the kitchen and see what grandma cooking.
Speaker 1:And would you say your peers were experiencing the same thing? Oh, yeah, yes. So let's back up and talk about your financial education. What did you learn, if anything, in terms of in a formal manner in school, or did you whatever you knew? Did you learn from your parents, or was there basically not really a discussion? It was like, hey, here's some money, You're supposed to figure it out.
Speaker 3:So, compared to the financial education and as a whole, looking at it as a broad perspective, it was very little education that we received a broad perspective. It was very little education that we received. Well, speaking for me, like I received, my parents always taught me okay, get money and then save it, that was the biggest thing. Save your money, save your money, be wise with your money. That was the main thing that they taught me.
Speaker 1:So I have to stop you right here. Did you listen?
Speaker 3:Yeah, I listened, I listened.
Speaker 1:Because sometimes they'll teach us things, but we like to go to the school of hard knocks and learn the hard way when our stomach is growling at about three o'clock. But go ahead, Ambrose.
Speaker 3:And that's I would say I was a pretty good saver. That's one of the things that I could attest to is being a good saver and really listening to that. But over time, you know, there was people that was teachers or educators in my school system that would tell me okay, you can invest, you can invest this way, you can open a certain savings account for your money to grow and things like that. But it wasn't a structured curriculum for us to actually learn that.
Speaker 1:All right, what about your experience?
Speaker 2:I thought about this question too, and I think the only thing I could think of. As far as financial education goes back to elementary school, we had a junior achievement program, and junior achievement is this program that comes to the schools and they, you know, teach you different financial stuff like cash and checks.
Speaker 1:Shout out for junior achievement. Love that program.
Speaker 2:Yeah, and I think that was the last real like educational program of anything that I did. That really had me like sitting down and seeing how money, how money, works. I remember they had a warehouse they took us to like a field trip and it's like a little town. You could go to different places and spend your money and then they had entertainment, so that's like video games and toys and stuff where you can spend your money for that, and it was teaching us so okay, so you can either go to the grocery and get this fake banana, which obviously you will be pretending like you're gonna eat it, or you go play the week for like 15 and if you had that but you had to have some type of groceries at the end, and if you didn't have it, then obviously you know you're in a're in a bad spot.
Speaker 2:So after that, other than being in math class and they telling us, you know, johnny got 10 apples and each of them cost $2. How much the apples cost? Yeah, there has been no real like okay, yeah, well, once you get here and once taxes start to hit and once the bills start to come, you're going to have to set out a plan to really, you know, put your money in the places where it needs to be. Yeah, not even for my family, and all that I got from them was just save up.
Speaker 1:Just save up, and so I want to kind of spend a little time talking about that experience. You said it was way back in elementary school, because I know Junior Achievement does have that program. I think the proper name of it is JA. In a day, and I know not a lot of other. Their housing, their car, you know how much are they going to spend on food, all of those things, and the goal of it obviously is for them to look at oh wow, you know, I want a two-seater car, I want a penthouse, but at the same time, hmm, I'm not going to have any money left for clothing. And we give them children too. It's like, oh, I've got to pay for daycare.
Speaker 1:And so you mentioned this was back early in elementary school. So obviously maybe the gap between elementary school and college was a little bit too far. So what do you think would be an appropriate age for a student to go through a fair like that? Or do you even think something like that will have an impact in terms of, okay, I'm getting ready to go to college. This is something I really need to learn how to do.
Speaker 2:Yeah, definitely, I say right before they go, I think seniors. Because if I had that type of refreshment, because the only thing I was worried about as a senior was applying for colleges and making sure that my grade point averages and stuff were up just to get into college, I didn't have any conversation about how much college cost Well, obviously you had to look at it, but it was. It wasn't just beware of it, it was just magic Go in financial aid and fast when everybody will figure it out when you get. So I think, yeah, I don't think it's ever too late or too early to get that information.
Speaker 3:No, but I'm an education junkie so I love knowledge no-transcript and how to manage that because, I'm a senior now and student loan and interest will be interest in the amount of loans that I'm getting and that that that topic. In general, just about loans and student loans, I definitely wish I would have learned about paying it off early, but also income generation Because, yes, we can have knowledge about budgeting, we can have knowledge about saving, we can have knowledge about investing, but if we're not making money or having money come in, then we can't.
Speaker 1:What's there to budget if you don't have an income? Okay, what about you? What are some things that you wish hindsight you had learned before getting to college?
Speaker 2:One thing personally is credit, and I ain't saying that because we in the Federal Credit Union, but I had a friend whose mother she actually has her own business now. Her mom put her own credit and had her building her credit while we were in high school and by the time my sophomore year in college came, I was looking for a car and she just got a brand new BMW. So yeah, definitely, definitely, somebody should put me on credit so I could be up there.
Speaker 1:All right. So definitely, reality fairs. We need to do a little bit more about credit. So now let's kind of fast forward to those freshman years. We know Niren was over here starving. Fast forward to those freshman years. We know Niren was over here starving. Tell us a little bit about your experiences day to day. What sort of things impacted the fact that you didn't know enough about money and finances and budgeting, and then talk a little bit about when did you start to learn? Did somebody come up to you and say, hey, you know, do you want to learn about money? We'll talk about your organization shortly. Did you have to go out and find it yourself? Were there courses that you took? You know what really got you on the right path?
Speaker 3:So first, really, and as a freshman and as a sophomore, I was very I didn't have the knowledge, so I didn't know what I didn't know.
Speaker 3:And so there was a person his name was Josh Manning he's still good friends to this day and he actually presented me with a course that he was undergoing and it talked about investing and day trading and in stocks and things like that, and I was like, ok, that's something that I'm very intrigued to learn Because, honestly, he had, you know, like he he like nara, said he, his friend had a bmw, but he had a nice, a mustang.
Speaker 3:It was very, very fast, it was loud, it was all the good things that we see, right. But from my perspective and being younger, that motivated me to ask how did you get that? Because I was still looking for a car and just trying to make ends meet. And then he introduced me to a trading course and a financial literacy course that he went through and I went through that course for about two and a half years and that really sparked my passion for financial literacy and ever since, I've been always wanting to learn how to expand my range on so many different topics, like taxes, like credit, like investing, and broadening and sharpening my skills when it comes to finances, not only for my personal life, but also to teach others about that as well. But I would say that would be the turning point of my life was being introduced by a friend that was already taking a course in financial literacy.
Speaker 1:Okay, what about you? How did you get on the bandwagon and start learning about financial education?
Speaker 2:It's a little different. It's kind of the harder way, I would say. Like I said you, you know we were starving and everything I mean, I was starving really like, but really hungry.
Speaker 2:In a different type of aspect too, to where I just knew I wanted to be in a place, not just physically but financially, like I wanted to be able to say that, yeah, I have this and I'm I'm comfortable, uh, but the only thing I knew was hard work. Only thing I knew was hustling and hustling is different for everybody, but I'm not talking about drugs or anything, but really like putting the work in and getting you know, getting paid for what you do, and I learned that from my father and that's why that saving and stuff comes from.
Speaker 1:Do the work save up.
Speaker 2:So I just started looking for jobs. I got into work, study on college, and then just moved my way up to an actual official job on the campus, which was a janitorial job but at the same time I got like $2,000 in my pocket every month, versus the people who still you know. So it became a shift once I started putting my work in and, you know, just putting my head down and hustling and still balancing my classes and everything. But now I'm not looking at nobody else but they BMW. Now I'm starting to pay off my own car, which is you know, I know it's not the same, as you know having credit and getting, you know, being in a real high position, but I still got it. So that was my introduction to that and I know, once I had it. Now I want to find a way to expand it, to grow on it and just continue to improve and progress in that, because once money hits your account, you just like the way it looks.
Speaker 1:Absolutely.
Speaker 2:Well, okay, I think I'm going to get some more of that, right, yeah, so really, just hard work and just acquiring funds. I got a lack.
Speaker 1:So, in your quest for learning more about money, was it easy? Did you find a lot of resources? Did you find a lot of content? Did you find other mentors that could help you with money? Or did you find that you ran into roadblocks? Or was it just? You know, hitting Google is great, but Google can open up a can of worms that you wish you had never tapped into. So what was it like, trying to go out there and learn? Like you said, you didn't know what you didn't know. But as you were learning, how easy was it for you to get information, to find maybe certified or legitimate or educated individuals, experts in the industry, to help guide you?
Speaker 3:It's definitely hard. Honestly, because financial literacy is lacking. Honestly, because financial literacy is lacking and if I'm, if I'm lacking in financial literacy nine times out of ten, the people, the people other college students were lacking as well, and outside of just college students, that was lacking the financial literacy. Even you don't really know where to go to ask for help, and that's where Google, that's where YouTube and we have technology today where we could access financial literacy without fingertips. And that's where I had to. Really, I had to be humble enough to be like, okay, I do not know, I don't know Because a lot of things and a lot of's.
Speaker 3:It's funny because there was a point where I was prideful okay, I understand what's going on, you know, I understand, I, I get it and I thought I knew it all, but I didn't, obviously. And that's where YouTube and that's where I started to look for mentors inside of YouTube and and inside of certain resources that I got from Google or just really just doing the research. And then, once I found out, okay, that YouTube and Google could only do so much, that's when I said, okay, there's certain people that knows this type of stuff. There's certified financial planners, there's people that does auditing. There's people that has tax, tax businesses. So just going out and finding those people and then networking and even just meeting with you as well and meeting. I didn't even know about neighbors until I met someone else. So just also networking and finding out, finding out who knows what and that's the thing too is information is very, very key. It's very, very key.
Speaker 1:And if you don't go about seeking that knowledge, you'll never get it. What role, if any, did your college education play into moving you fast forward into the financial education line? And I don't want to you know you don't want to talk bad of your school, but it's like hey, I can't really like all of my days. I don't, it wasn't like really a sit down.
Speaker 2:Okay, now you're going to graduate, bill's going to come. You ain't been working on your interest, you ain't been working on your credit or nothing, so let's get this right. So when you leave here, you can be ready. It was really more so. Did you finish paying? Your debt Right yeah.
Speaker 3:But that was about us growing it financially.
Speaker 2:It was about giving.
Speaker 3:I'll say the same thing. And LSU very, very good school, and I feel like the only way you'll get access to that knowledge is if it's your major. If you're a finance major, then you'll be in the inside scoop of the very fine details of finances. But as far as financial aid and they say, hey, pay your fee bill, this is how you get a loan, this is some grants that you have access to, this is some scholarships, but as far as that, not too much.
Speaker 3:And I know for you, you became very passionate and so you decided that, hey, I'm not going to wait around for LSU or any other university to get this information for students. So tell us a little bit about Burke-Biper. Yes, and so that's that's where it all started. Honestly, because I was so passionate about learning about this, because I was in a point of solitude and I had to really put my head down and learn for myself, honestly, like just learn, and it was a year straight that I learned and I grew my knowledge and I worked and I was saying, okay, I am the only person that's doing this. From what I know, out of the people that I know, I feel like I was the only person that was actually doing it, and maybe it did have other people that was doing it, but I didn't know, honestly. And so I said, okay, I really want to make a creative organization that's based around that, because why fit inside of the narrative of the broke college student? Why? Because it's it's a narrative. But I said I don't want to fit in that narrative. Why can't we be wealthy college students? Why can't we be knowledgeable college students? Why can't we understand how finances work? And so I said, okay, I'll create an organization based on that. And I found out that there was no organization like it, so I took it upon myself to create my own, and At first it was based on just entrepreneurship, just about financial literacy, but it grew into a faith-based social venture now, and so we currently host events and we we have digital products and curriculums teaching people about financial literacy, about entrepreneurship, how to generate those finances, people about financial literacy, about entrepreneurship, how to generate those finances, so you can be able to use the budgeting skills.
Speaker 3:And so now we expanded to New Orleans. Now we're partnered with a lot of other organizations, like the Urban League in New Orleans, and that's the main gist of Brick by Brick Empire is making sure that we pave the way for people just like us. You don't have to look like us, it doesn't matter where you come from, but if you're willing to understand and you're willing to humble yourself to be like okay, I need to learn this and I want to learn this to better my future and to honestly just accomplish the goals that we need to need that we set. Because I know there's a lot of college students that have so many different, so many brilliant ideas and the one thing that I found out that was common was that they had no financial education and, for example, there's so many different people that have clothing brands, that have so many different small businesses and so many different things that they're doing in an excellent way, but they're not using the money that they're getting in the right way. They'll go out and spend on whatever the case may be not why, honestly?
Speaker 3:And so that's where I would like to bridge the gap, and we like to bridge the gap between okay, this is what you made from your business, this is what, even if you don't have a business, how can you get those finances in your pocket? And this is how you actually maneuver through accomplishing your goals, because I know there's a lot of people that want cars, that need transportation, or that want to have a house when they graduate, or want to pay off student loans without having debt, and certain things like that. That's where the education piece come in and that's where we play a part in our community.
Speaker 1:So, naren, you were living the typical college life. You know, like you said, many of your peers were having that same issue. We were hungry, we were running out of money. So what made you realize that, as common as it may have looked when you look to your left and to your right, that there was a better way? What made you decide that you wanted to do things differently?
Speaker 2:and that fed into your your passion for financial education um, well, I am a man of faith too and it beat in the word uh, I think it's first, timidly, chapter five, uh, for a man who does not provide for his own family is working, a non-believer, and that. That, that just having faith. And it's funny, you say passion. It sparked that passion in me to also want to provide for, because obviously I'm living like that. It's because I'm, I come from that, you know, from from New Orleans, katrina, babies and everything.
Speaker 2:We, we we got hit. We got hit Even trying to come back to what we had. Nothing was there. So some of us had to rebuild and some of us had to find new jobs and find new ways of income coming back to the city. So and I think my family is really like we still coming up on that and obviously I feel like I'm going to be a person that's going to help shift that, because I'm also the first male on my grandmother's side to graduate from college. So just that pressure and not cracking under it like really, really ambition, looking at everybody else who kind of come from a similar life as me and accepting it. I just didn't want it. I just didn't want to accept it. I just didn't want that to be, that I'm here but, man, I'm struggling. I'm going to graduate, but what I'm going to do with it? I'm going to graduate and I'm gonna do something with it.
Speaker 2:So so, feeling that and just feeling hungry, that that's, that's where the passion came from, really just knowing that, that there's a better, and having that faith and that passion to spark all that so today, what are you hearing from your peers in terms of what do they want to know?
Speaker 1:what do they need to know about financial education? What, what do we need to put more of out there for college students, so that they will not have to necessarily go through the same journey that you two went through?
Speaker 3:I would definitely say a curriculum. A curriculum and not just based on financial majors or based off of certain majors on financial majors or based off a certain major, honestly, before college, honestly, it should be integrated inside of the high schools, even elementary schools, middle schools, because, like Nara said, he still remembers a program that went to him as an elementary student and so that leaves an impact and by us learning this as soon as possible, it's going to set us up regardless, you know, because if you know what you're going into on a financial aspect, then you're going to be able to prepare for it. And definitely a curriculum already integrated inside of the education system.
Speaker 1:So that is something that, of course is has actually been approved. Louisiana is now requiring for high school students to take financial education. What if you had to name the top three things that you believe this curriculum should include? You know, if you were talking to our new superintendent, what would you say? These are the three. These are the three most critical pieces of information that you think every high school student needs to know before stepping onto a college campus or just becoming an independent person.
Speaker 2:Well, you know, I'm going to say credit definitely, definitely, definitely. You can start as young, like I said, my friend started in high school. I think she was a sophomore when she started, when her mom started helping her with her credit. So, yeah, definitely, I'm going to say credit for one.
Speaker 3:Definitely Top three, for for me it will first be income generation, so actually obtaining funds, you know, having a traditional job plus certain side hustles or businesses that they may have.
Speaker 3:one is generation, two is budgeting, definitely budgeting mmm budgeting and how to maneuver, how to actually allocate certain funds to certain things. Last one would be investing, because investing that could look so many different ways, you know, because there's so many different ways that you can invest through stocks, through day trading, through ETFs, through index funds, and that way that passive income will be coming in without you having to put in labor for it. So those three things.
Speaker 1:And looking at where you are now, because I know a lot of our focus has been what you have and have not learned. You know what your college experience has been like, but now that you're definitely approaching the end of that college career and you've already graduated, where you are now in your life, what are some things now that you still feel you're lacking information that you are still thirsty to learn about in terms of financial education?
Speaker 2:I was just talking about. We were just talking about this. I know well, being a producer in radio, I've got acquainted with a few bank owners, actually vice president and whatnot of Home Bank, and they always come on and talk about credit for one thing and then loan services and rebuilding credit, putting money down on houses and everything. So I say, allocating your money in the right ways and balancing it out for you to, you know, to actually live financially free.
Speaker 3:I think balance is, yeah, balance. I would say three things honestly Credit taxes. There was another one. I'll say everything. Yeah everything, honestly, I couldn't.
Speaker 1:It's a work in progress so you can never, you know know every particular thing.
Speaker 1:So, obviously, hopefully, this particular episode, you know, will start right at the start of the semester for students going to college. What are your pieces of advice in terms of, hey, you're a freshman entering in and regardless of where you are financially because some students are going to come in with a little financial knowledge and some may not know anything what advice would you give them in terms of what do they need to do to learn what's going to be essential for them to be successful for the next four or plus years?
Speaker 3:Definitely come join us at Brick by Brick Empire. That's, that's one of the things, because that's one is what we're there for. Honestly. We're there for college students to learn. Of course, we are college students, so I believe that we have the ability, we have credibility to talk about these certain things because we have overcome, but also having that relatability because I am a college student as well and we're going through the same thing, so I'm still learning. We can all learn together. That first is come join us Brick by Brick Empire, but also just be hungry to learn. Be hungry to learn because that's what it is, is information.
Speaker 1:And where can they find more information about Brick by Brick if they want to join in and start their journey of improving their knowledge of finances?
Speaker 3:So our main point of contact is on Instagram. It's Brick by Brick Empire, and we have a website it's wwwbrickby. Brick by Brick Empire, and we have a website it's wwwbrickbbempirecom.
Speaker 1:And one final thing. Hopefully we have some high schoolers listening that are thinking yeah, I know everything. What is your final piece of advice to those students that may feel like I'm not ready for this? I'll worry about this later. What piece of advice would you give?
Speaker 2:to them. Do that? Get ahead of the game. Get ahead of the game now, definitely, definitely, definitely now.
Speaker 2:Like you said, I just gave a testimony on somebody who's got her own business right now. I wish I'd have known I'd have brought her with me she could tell you but got her own, her own business, the BMW. Fresh into college I was a sophomore, I think she was a freshman brand new BMW. Hey, pick me up and I'm like, oh, look at you, proud of her for real. So you never know what you can do. Don't hold back on yourself and get ahead of the game. This is a cheat code win the game yeah, take action.
Speaker 3:take action on it because we give knowledge and we, we have the resources at our fingertips, but it's only going to work if we take action, just take action.
Speaker 1:Well, I want to thank you, gentlemen, for stopping by and telling us about your journey, what you've learned about financial education, how you're doing your part to help educate your peers, and hopefully they're out there listening and they will take action. So that you know 3 o'clock, I'll stop and listen and see whose stomach's growling.
Speaker 3:Thank, you again, gentlemen, thank you for having us, thank you.
