How Life Insurance Shapes Black Generational Wealth

The hardest conversation is often the one that saves a family. We tackle the quiet killer of Black generational wealth—life insurance avoidance—and break down how a policy can be more than a payout. With agency owner Willie Nash and ten-year veteran Jennifer Lewis, we explore the stories that fuel distrust, the products that actually work, and the psychology that keeps too many households one tragedy away from crisis.

We start by naming the patterns: group coverage that disappears when you leave a job, tiny industrial policies that soured a generation, and the lure of quick fixes like IULs that demand discipline most people can’t sustain. From there, we map a practical blueprint. Final expense to handle immediate costs fast. Term life to cover income and debts during your peak responsibility years. Whole life for long-term guarantees and measured cash value. And above all, personal ownership that travels with you, so your plan isn’t tied to HR.

Along the way, we get real about family dynamics—adult kids who block smart choices, partners who bristle at confident advisors, and the fear of talking about death. The antidote is leadership and clarity: pick an affordable premium you’ll keep, assign beneficiaries with intention, and document where everything lives. Small payments today beat fish-fry fundraisers tomorrow, and a well-structured stack can keep a home in the family, fund college, and shield your name from panic and debt.

This is an invitation to bring heart and dignity back into our planning. A policy is a love letter that arrives right when your people need it most. Listen, share with someone you love, then take one step this week—get a quote, review your beneficiaries, or lock in coverage you can sustain. If this moved you, subscribe, leave a five-star review, and tell us the next financial myth you want us to unpack.

Call Ms Lewis And Her Team: 770-868-6700

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Transcript

Setting The Stakes

SPEAKER_05 0:00

Now we're faced with it. So we're gonna always be financially behind.

SPEAKER_00 0:05

I'm gonna say this. We lost our love. A lot of us in the community, we lost our heart. Because back in the day, think about it, those 80-year-olds, they took care of business. Now they may have been in the wrong product, but they still did it. It still was important. Even if it didn't show up the way, you know, it was supposed to show up, they still made sure I'm going to take care of this.

The Quiet Killer Of Wealth

Why Mistrust Runs Deep

SPEAKER_04 0:30

What's up, folks? Now you know on this show we cut through the myth, the excuses, and we talk about the things that really build us up as men, women, fathers, mothers, and as a community. Today's topic, one of the quiet killers of black generational wealth. So here's the truth. Too many of us don't trust financial systems. Rightly so. It's not like their record has been squeaky clean, right? But it's costing our families. Most of us, again with good reason, don't believe that these institutions were ever built to protect us. But that mistrust shows up big time around life insurance. There is an institution called Limra, L-I-M-R-A, and they have an insurance barometer, and their studies show that only 54% of black Americans own a life insurance policy. 54%. And what's worse is out of those 54%, half of them will tell you that they don't have enough coverage. So should something happen to the breadwinner, that family's gonna struggle. Meanwhile, other communities are using life insurance not just for funerals, but as a tool to build and pass on wealth. And for those of us who know how powerful these policies can be, it's frustrating to watch these same patterns repeat. So in today's episode, we're talking about why that is. I have my friend Willie Nash, who owns his agency, and one of his colleagues, a 10-year veteran, Miss Jennifer Lewis, who can tell us about what's real, what we should fear, and how we flip these numbers in our favor. Welcome to Manhood Matters. Let's get to it. We have Jennifer and we have returning to the mic, a very good friend of the show, Mr. Nash. Willie Nash, what's up, brother? Hey, what's up, what's up? Happy to be back. All right, what's going on? How are you, Jennifer?

SPEAKER_00 2:34

I'm great. How are you?

Selfishness Versus Legacy

SPEAKER_04 2:35

I'm wonderful. This is something that has been on my mind for a while because I experienced it, I dealt with it, and I could not believe what was going on. I'm not gonna mention the person. He knows who he is. If you listen to the show, he'll listen to this episode. But I remember at one point I was selling life insurance. Less than five minutes because of the frustrations that you guys had to do with. And I am a salesperson. But it was one of those things where it was like something that was near and dear to my heart. I felt like I was helping a cause and I was trying to uplift our people because it wasn't like I'm selling a security system or I'm selling a water filter or I'm selling satellite dish. I'm selling something that's going to serve you and your family for a very long time. Something that can help you build wealth, etc. All these things that you guys already know. So I went to this brother and I said, You have a policy on yourself, right? You got a kid, something happens to you. And he goes, No. And I knew he didn't. So I'll just say, you know, just want to educate him a little bit. He felt as if I was trying to get over. It was like something I'm trying to get for myself. And I was like, nah, bro, it's something you need. He didn't say those words, but I kind of felt like that was the pushback. That's what the resistance was about. So then I kept pushing because again, this mattered to me. So I said, hey, look, you need to get this done. He didn't want to, but I said, I'm gonna get you a quote anyway. So the quote came back and it was like 150 bucks a month. And um, dude was like, man, that's too much money. I don't really want to spend that. I let it go for a little bit, and I came back to him and I said, Look, you smoke, how much you spend on weed? And he forgot the first conversation, so he didn't know where I was going with this. I was like, How much do you spend on weed a week? I was all all nice and shit. You know, it was just like, ah man, like 90 to 100 and 220 a week, depending on what I'm, you know, what I'm getting. But you know, that's my little release. That's my I work hard all a week, and I was like, nah, I I get it, I get it. I said, so if you do the math, you spend about 400 bucks a month on weed, right? But you're not willing to invest$150 for your son. Get him. Yeah. So what do you guys run into, because it's it seems to be rampant in our community. We seem to have a hard time understanding what life insurance is, what it's supposed to do. Why is it such a challenge for our people to understand that it's not it's a necessity. It's not something that you might get, you should get maybe after you pay all your other bills. This is super important.

SPEAKER_00 4:58

I don't think they're confused at all. It's not that the people are confused, they don't understand really if we're gonna be honest about it, people are very selfish. This is a product that they don't directly benefit from. And a lot of people, when I got into the industry, I was like you. I said, I'm gonna help all these people, they're gonna think like I think, they're gonna get it, it's gonna be an easy sale, right? Then we get into the business and it's like, why is it so hard for you to like you said, you do this, you have a shoe habit, you have an eating habit, you have a Chick-fil-A habit, whatever it is, but when we say protect your children, protect your, you know, your spouse, they don't wanna do it. And it's not a knowing problem. It's something in our community, we're we're really being selfish because if I had a hot product like, hey, I'm selling these, you know, red bottoms, or I'm gonna sell you this bracelet, or I can get your hair done.

SPEAKER_04 5:48

Yeah, and there's a good deal.

SPEAKER_00 5:49

They'll do it because or cell phone even.

SPEAKER_04 5:51

Yeah.

SPEAKER_00 5:52

People pay, you know, a lot for cell phone insurance and all this other insurance because it is directly benefiting them. The number one thing that, you know, um Willie and I get is, well, I'm gonna die anyway. I'm not gonna see the money. It's not gonna benefit me. So some people are brave enough to say it out loud. A lot of people are not, but that's what it is. They say, I want that insurance that I can get something out of. I want that IUL insurance. What's that thing called that? UL? That's what I want. Well, I can go in and get something. Because if they can't get anything out of the deal, they do not want it.

SPEAKER_05 6:26

Immediate gratification. Yes. You know, that's what that's what they want.

SPEAKER_04 6:29

Unfortunately. Yeah. That's pretty interesting. I still think that there has to be, you know, the education factor. I still think because I mean, what is it with us? We're not so when I go back to I look at our people, right? I look at our people all the way back to the ancestors and I look at Africa. We are a very tribal society in a sense that we really connect with each other. We are, you know, the terms it takes a village comes from our people. It doesn't come from anywhere else. All of these different things is because we are so interconnected and we help each other out and we look out for each other. So I'm not sure if it's something that's innate or if it's something else to where did we along the way, was there a strand that's broken in the DNA along the way where we kind of lost that, or do we really not understand? Because I've attended funerals of white people, and no matter how traumatic the death might have been, there's a certain level of decorum that is still there. And I've gone to funerals with black folks and they want to throw themselves under the casket, especially when it's the person that was the provider that's gone.

SPEAKER_05 7:32

You know, I listening to you talk, what I just thought about was black folks don't want to take risks. We like to be in a comfort zone. We like to know what it is and how it's gonna be. And I think life insurance has burnt people in a sense where they don't trust it. Uh why? How? Because you have situations where they answer the health questions and they may not answer the health questions correctly or tell the truth and it comes out. Now the insurance policy doesn't pay.

SPEAKER_04 7:58

Oh, I see.

SPEAKER_05 7:59

You know, or the policy wasn't explained to the family exactly the like it needed to be explained so they can understand what they have, so the claim didn't pay out. So for black people with that risk that's involved, I think that it's happened so many times, or that we're just simply not educated enough on the matter because it has something to do with finance, which is not widely talked about in black communities. Yeah. So I think it's all relevant. And I think that that is what's causing that missing piece that we have while we don't see the value in it.

SPEAKER_00 8:31

I would say this too. That is for the older population. Remember back in the day the insurance man would come out and they pick up the cash.

SPEAKER_02 8:37

That's right.

SPEAKER_00 8:38

So a lot of those policies didn't pay out.

SPEAKER_02 8:40

Yeah.

SPEAKER_00 8:40

Or a lot of those policies that have been paying on it for years, and it was like, oh, you kidding me? Grandma been paying on this for years, and this is only three or five thousand dollars. So they don't like it. You know, so that that group was probably about 80, 90 years old. So when you get to their children now who are about 60, they don't like it. They figure it didn't pay out, or their mother, you know, missed a payment. So now it didn't pay out. So they're like, I don't want it, I don't believe it, y'all just want money. You know, you just trying to get a sale. And another thing, too, I also feel in our community when you said us being educated, we have something surrounding us about seeing our people get paid. I mean, if we're gonna be quite honest, it's it's we're sometimes we're not comfortable seeing our people profit. It's you know, you hear that, you know, you hear small business owners sometimes say it when we go into a shop, we want to get a discount. We want to find a way where you can bring it down. But if we go in Neiman Market somewhere, we're just gonna pay what it is. Or if it's a certain other store, somebody a different race, we're just gonna accept it. But with our people, you know, I've been doing this for about 10 years now. And this is not all. I just want to say this is of course, we're not talking about everybody, the large percentage that does get the insurance, because I know some people here like they just 10 or something today, right?

SPEAKER_04 9:58

Well, you know, and and that's the thing, but we're coming from a place of love because my place I know where you guys are coming from, and it's more of a concern to say, hey, look, we can do better as a people. So this is what we're doing. Those who are educated, those who know better, those who are not thinking, oh, my finances is my business. Let me just call, you know, hold everything close and near and dear to me. That's the exception. And they're doing just fine. They don't need help. But overall, there is an overwhelming macro consciousness that is enveloping our people, and that we need to just lift that veil.

SPEAKER_00 10:30

Yeah, I like what Willie said. That's that's huge. It didn't pay out before, or it paid out very little, so now they don't trust.

SPEAKER_05 10:37

And that story from generation to generation. You remember when when grandmama and she didn't do it and they didn't pay, and they I went through all this and I sent them all this death certificate stuff, and it still didn't pay. You know, trickle-down effect.

SPEAKER_04 10:50

So that has to do with the snake oil salesman who came by and tricked us people. Right. And for the most part, what did that person look like?

SPEAKER_00 10:58

They they didn't look like us.

SPEAKER_04 10:59

My point is that person was going around with a suitcase selling to our folks, insurance salesmen, some forty, fifty years ago, right? And and I know for from my own personal experience that, especially in small towns. I've been in Mississippi selling in Memphis in certain parts of town, where people would doubt me more and be more wary of me selling to them because I'm black. To sell into black people. Yeah. Right? But they'll buy they'll buy from a white person because there's more trust. But that trust has been broken. And so now they are looking at the entire industry as in, you know, this is something that's happened and it's gonna keep happening, so that's why we don't believe it.

SPEAKER_00 11:38

I want to say one more thing too. And Willie, you've probably noticed this. Sometimes when we go out, people have been burned in life and they're not happy. So they get to a certain age and they've gotten so miserable because their life didn't turn out the way they wanted it to. So when you show up, we're showing up as help, but to them, we're showing up as a bill. We're showing up as a problem.

SPEAKER_05 12:03

We're showing up as instead of the solution to a problem.

SPEAKER_00 12:07

And mind you, they sent the lead in. They they're the ones who filled out a form for us to come out to see them. But if you happen to show up on the wrong day, they want to bring up a story. When they filled the form out, they were in a good mood that day. They were thinking, right, I'm gonna do the right thing, right? But then you don't know what transpired in those last two weeks. So now when we show up, it's you know, kind of like I didn't get what I wanted out of life, so I don't want to leave anything behind.

SPEAKER_05 12:34

You know, nobody had no party off me.

SPEAKER_00 12:36

Yeah, nobody left me nothing.

SPEAKER_04 12:38

So that's a jacked up way of thinking. But that's how they think though. We hear it. I don't want to leave anything for anyone behind.

SPEAKER_00 12:43

But that's what we hear.

SPEAKER_04 12:44

That's so interesting. Because again, like I said, going to these funerals and attending these funerals, I would see that when the main provider, mom or dad, those people, when they leave, everyone is falling apart because just like this was financially the backbone of this family. On top of the pain and dealing with the loss. You know, the loss, now you have to you're also thinking, I'm about to lose this house, I'm about to lose everything else. So how is that not something that our folks are looking at? Even down when it comes to just even burying the person, it always breaks my heart whenever I see that they have doing some they're doing some kind of GoFundMe for this person. And I saw next door the other day, the app next door, where, you know, they posted this picture of this young man who's in his thirties, three very young children, and he dies, and now there's a GoFundMe to just bury him. Forget trying to take care of the family, just to take care of his burial. And that's not something that was put in place by a lot of people.

SPEAKER_05 13:41

And that and people don't realize just that selfishness puts those three children, they don't have a a great a great foot in life. You know, they're they're already behind.

SPEAKER_04 13:51

Yeah.

SPEAKER_05 13:51

Because nothing was put in place to ensure that those three children would be able to prosper. I mean, that just keeps going and going and going. So we all know that most of our counterparts, they got their wealth from insurance, from life insurance, from annuities, from those little IULs, you know, when they do work you know.

SPEAKER_04 14:15

When you say counterparts, you mean the other races, the other races. Other people who are more educated about this stuff.

Final Expense Explained

SPEAKER_05 14:20

Exactly. Gotcha. Exactly. So we're already doing our families a disjustice, you know, just by not having five to eight to twelve, fifteen thousand dollars worth of burial coverage in place.

SPEAKER_02 14:31

Yeah.

SPEAKER_05 14:31

I made a post uh here recently and it said if you think paying fifty dollars a month is hard, try coming up with fifteen thousand dollars in a week. That's pressure.

SPEAKER_04 14:42

Yeah.

SPEAKER_05 14:43

But we don't think about that or don't care about that until now we're faced with it. So we're gonna always be financially behind the I'm gonna say this.

SPEAKER_00 14:53

We lost, you know, our love. A lot of us in the community, we lost our heart. Because back in the day, think about it, those 80-year-olds, they took care of business. Now they may have been in the wrong product and didn't know any better and doing it. But they still did it. It still was important. Even if it didn't show up the way, you know, it was supposed to show up, they still made sure I'm going to take care of this. It's like a love letter. What has happened in our community, I can even tell, let me give you an example. We can go in a house. Now, back in the day, if you went into an old person's house, they're gonna offer you something. They're gonna have some food, they're gonna make you eat it.

SPEAKER_02 15:31

Mm-hmm. Bring some coffee or something.

SPEAKER_00 15:33

You know what I mean? They're gonna have something. Baby, let me get you something.

SPEAKER_05 15:36

Some water.

SPEAKER_00 15:39

Now, this is not for the people that buy, you know, but I've gone to a lot of homes and I'm like, man, people aren't cooking anymore. They're not offering anything. It's no hospitality. Correct. Like stuff that my grandmother would just, are you kidding me? If we didn't have enough, if we thought we had enough for us, it was like, no, you're gonna split that because we got unexpected company.

SPEAKER_02 15:58

Yeah.

SPEAKER_00 15:59

And that's what you're gonna do, and you better not frown about it, right? Um, so that love and that baby, we're gonna be all right regardless, because I prayed, that is missing in the community. So when you take that out, people think, oh, that's that's not a big deal. It is because you're losing the heart of the person, and that heart of that that same type of person is gonna take their last dime and make sure their babies is okay. If it's$50 or$80, they're gonna scrub it together, right? So now when you lose that, you have that same grandmother or grandfather now that just, oh no, no, no, you know, they ain't living up with me, this kid don't even come over here, you know.

SPEAKER_04 16:38

That was a good impression.

SPEAKER_02 16:40

See, she was just doing the impression at the end of the show.

Term, Whole, And Cash Value

SPEAKER_00 16:46

I think we need to think we're about clipping this corner again. But they do that. And we're sitting there like, you send this in now. You need to get yourself together, Mr. Jones, right? But he's mad. He's mad at the world. They don't take accountability. Mm-hmm. You know, we gotta kind of think about this too. A lot of that generation, if we're gonna get real serious about this, a lot of them got on drugs real bad. Like if I go into certain, you know, areas where I get a 70-year-old or something, their kids got on drugs real bad. Like they worked for Ford or they worked for certain companies, they were dignified and they had it together. But as children don't. So when we're dealing with the children.

SPEAKER_05 17:26

Are those uh the children that say my mama got a policy on me?

SPEAKER_00 17:29

Exactly.

SPEAKER_05 17:30

My daddy can't.

SPEAKER_00 17:31

Or let's be real, or they get a men. Or they're living in the house.

SPEAKER_05 17:34

Or they're living in the house. You know, he's a good thing. 50-60 years old still living in the house.

SPEAKER_00 17:38

You get what I mean? And not the 80-year-old putting the insurance on a 55, 60-year-old man.

SPEAKER_02 17:43

Yeah.

SPEAKER_00 17:44

You know, but when she passes away or he passes away that that generation, the people that don't buy that 40%, a lot of that is at 40%. So when you lose the heart of a person, of a culture, we've had, you know, where we go in, and you probably experienced it too. Back in the day, you would never, especially in the South, we're talking about the South here.

SPEAKER_02 18:05

Yeah.

SPEAKER_00 18:06

You would never experience someone, what you doing here? Get on out of here. No, I ain't called you. You know, you d you we didn't get that. Right. We got the, hey baby, and what you need, and come on in. Now I'm sometimes we get that. But that's not it's rare. Well, that used to be the majority.

SPEAKER_01 18:23

Right.

SPEAKER_00 18:23

And the mean person would be rare.

SPEAKER_01 18:25

Right.

SPEAKER_00 18:25

Now the mean, you know, personality is catching up with uh the sweetness and hey baby, how you doing? So a whole hey, baby person, they like, Lord, I ain't got no Lord. Let me figure this out, let me think. Why give me$30? Well, they get a piece of money.

SPEAKER_02 18:42

Yeah. Exactly.

SPEAKER_00 18:44

And now you don't get that. They ain't getting a piece of nothing. But think about this. The grandmothers and grandfathers are different. You know, somebody put a post up and it was funny, but it wasn't funny. He said, if I see one more grandma drinking Hennessy and Tights, let's think about that now.

SPEAKER_03 19:02

Oh man.

SPEAKER_00 19:03

You got a grandma drinking hennessy and in tights.

SPEAKER_02 19:06

Yeah.

SPEAKER_00 19:07

Well, back in the day you had a grandma, a little fat.

SPEAKER_02 19:10

Mm-hmm.

SPEAKER_00 19:11

You know, my grandma's real skinny, but either way, one one of the two. And they cooking all the time and they loving on you.

SPEAKER_05 19:17

With a moo moo on. Yeah.

The IUL Hype And Risks

SPEAKER_00 19:18

Yeah, with a moo on. Even if she dressed up, she was always serving. Yeah, right. Now it's the culture, I'ma get me.

SPEAKER_04 19:26

It's about me. Yeah, it was a certain dignity. Yes. And, you know, altruism from that generation. And from the generation we have right now. Because like you said, grandfathers. I ain't keeping no baby. I gotta go to the club myself. Grandfathers and grandmothers are 40-50. Right? And if you think about it, when we were like 10, 12 years old, they were still 40-50, but there was a different way that they acted. Yes. Right? So it's it's it's definitely lost. You said something a little earlier, Jennifer. I caught I caught on. I don't know if you have that trademark, but if you don't, you need to. If you made it up, I don't know.

SPEAKER_02 19:58

Okay.

SPEAKER_04 19:58

But an insurance policy is a love letter. Did you make that up? No. No. I did. Oh man, bro. That's dope.

SPEAKER_05 20:03

That's a love letter that you need back to your family. Bro, that is so powerful.

SPEAKER_04 20:08

But it's it's such a true statement. That's why it caught me. It is a true statement. Do you use that when you talk to people? Yes. I mean, yeah, because that that just makes sense. Yeah. I remember I have um an uncle who we were trying to get a policy on, and we were just asking him to pay a little bit on it. And he flipped out. He was just like, I don't care. We were like, listen, when you go, just so we can at least take care of those expenses, you're not leaving anything for anyone behind, but let's not put anyone else in a financial burden based on you know your demise. And his response was, man, I'm going. I don't care. Throw me in the box.

SPEAKER_00 20:40

The backyard.

SPEAKER_04 20:41

Yeah, throw me in the box, put me wherever. And I'm just like, yeah, I'm I'm game. I'll put him in the box. I'm like, it's fine. Sure. You know. Whatever you want.

SPEAKER_00 20:50

But that's not a real believer, too, because a lot of our community, we say we're Christians. I'm a Christian, I'm a believer. They go to church every Sunday, but in their actions, it's like, you won't even put$50 away. So when you say, where does that come from? And it's heart. You know, we have really lost our heart. That that has need to be studied. We need to I'm I'm being serious.

SPEAKER_04 21:15

I think that you hit the nail on the head with that one. The theme of this whole thing, this entire conversation is we've lost our heart. It really makes sense. So I want to ask, because there's two different types of policies that we're talking about. One is an what do you call it? Is it an end-of-life policy or final expense policy? Talk to us about that a little bit, what it covers, how it works, why people should get it.

SPEAKER_00 21:38

Okay. Final expense, that's normally for people age 50 to 85. This is a strict burial insurance. Why should they get it? Because most people have term and it's going to expire, and this is the only policy that will pretty much forever be there, one of the only ones. And a lot of people can get it because it's going to take care of the burial or the cremation. It's going to pay out a lot quicker than your$100,000 million dollar policy. It has that particular benefit. It's going to pay quicker, it's whole life.

Work Insurance Is Not Enough

SPEAKER_04 22:07

It's so even if you have something else, you should just get that because this is strictly for your final expense and it's so immediate, so you don't have to dig into the bigger policy if you have a larger policy.

SPEAKER_00 22:21

Exactly. And I have that too. I'm sorry, Willie. I have that too. So we have a lot of policies. If you're a good insurance agent, because we know I'm talking about the ones that don't even have a policy trying to sell the insurance, and they don't have insurance. So I even tell my family like, look, we have the final expense. You're going to take this, and this is what you're going to use for the funeral. All mommy's other policies, it's whole life, this bigger, whole life, is bigger turn, all those other policies, they're going to drag their feet a little bit, maybe. Okay, they got like legally have up to 90 days to pay it out. It's legit. But nobody's going to be in a rush to give you girls, you know, a million dollars.

SPEAKER_04 22:56

And you're all going to be stressing about how to take care of those five weeks of the year.

SPEAKER_05 23:01

And I I like to use this uh analogy when I'm talking to the client, you know, that life insurance policy that you have or a lifestyle policy, you keep that, let that pay off your bills or possibly even financial gain. You know, this particular program right here is going to take a care of that that immediate need, which you all just said. However, I like to include the final expense policy is going to protect that larger policy. That makes sense. You're not going to have to wait on it. That money is going to be secure for everything else. This is going to be earmarked for this. And um it's a better system, it's a better way. It's just financial planning. So we're not trying to replace anything that you have. We just want to add to what you have.

SPEAKER_04 23:41

Yeah. And it makes sense. That particular product makes sense. I'm surprised that it's fifty to eighty-five considering just we are living longer for some reason. Maybe it's just because, you know, I've had to face mortality lately because I've lost some friends. But I'm also seeing people in their 40s just kick the bucket a whole lot. So I'm not sure that's just a target market.

SPEAKER_00 24:02

We do have a uh carry we're with that goes from zero to eighty-five. The reason why this product, this final expense product, is like that, they're not doing blood and urine. They're not really checking that deep.

SPEAKER_05 24:12

So let's say no hide and wait.

SPEAKER_00 24:14

Yeah. Let's say we got a gentleman, you know, an uncle or something. He never goes to the hospital. He could be sick. We have to cover him. If he never goes, he would get final expense first day coverage because he doesn't know he's sick. So it's easy to get. So he's he dies immediately. We got to pay it out. Yeah. So the rate is a little higher because one, they're older, it's a smaller policy, and they're not doing all that blood and urine. So the insurance company is taking a huge risk.

SPEAKER_02 24:39

That's right.

SPEAKER_00 24:39

You know, by taking you on. So a lot of times they only like to deal with 50 to 85. Because it's like, okay.

SPEAKER_04 24:46

Trevor Burrus, Jr.: Okay, that makes sense. So now talk to us about the other policies, the other products. So one of them that I hear a lot is term versus whole life. What exactly is whole life itself?

Family Dynamics And Sabotage

SPEAKER_00 24:58

Aaron Ross Powell, Jr.: Whole life is still that final expense plan. It's just a smaller one. A whole life is yes, say you have a for a child or 20, 30, 40-year-old, you're going to get a better rate. It's just a policy that's going to build cash value. And it's going to be like that when you have some carriers where you don't have to do blood and urine, but for the most part you do. They want to make sure you're healthy and that they're going to put you in the product because they got a the insurance company's on the hook. If you die soon, that they had a hundred thousand, five hundred thousand, maybe a million dollar policy. Those are a lot more expensive. But I try to get people early to get those because that's when people go into business and they say, Well, what's that policy to wear? When people borrow off it, that's that whole life policy. But that's you're gonna pay about$100,000,$200 a month for that policy. Trevor Burrus, Jr.

SPEAKER_04 25:44

Unless you got it when you were like 20 years old. Yes. Is that right?

SPEAKER_00 25:47

Exactly. And most people don't get it at that age, and most people a parent will get it that's very well informed. Yeah. Will get it for their children. But those type of policies are great policies to have. It builds cash value. You can borrow against it. So it's it's very beneficial. We have those policies as well.

SPEAKER_04 26:02

Aaron Powell So I hear a whole lot of, you know, you'll see those TikTok videos or any type of reel where someone will say that we don't use our money. We amassed all this wealth from our insurance. What exactly are they talking about? How is that happening? Is that a bunch of bullshit or is that what is that? Trevor Burrus, Jr.

SPEAKER_05 26:21

Man, that's you can go ahead, Jeff.

SPEAKER_00 26:23

Those are those IULs. Oh my God, people kill me with that. And I'm like, listen, I'm not saying you cannot do an IUL. IUL.

SPEAKER_04 26:32

What does that send for?

SPEAKER_00 26:33

Index universal life policy.

SPEAKER_04 26:35

I still don't know what that means. But it has to do with the stock market. Yes, it does.

SPEAKER_00 26:38

So what it is is you're supposed to take a certain amount of money. It's just like a whole life policy. Similar. But let's say your premium is supposed to be for that a million dollar policy. Let's say it's supposed to be, you know, if you're young,$400 a month. This idea is don't just pay$400 a month. You're going to dump in an extra$400 a month, right? Because you want to make it pop. But it's dependent on the S P$500. Now it's indexed, it means you won't lose any money if the market tanks, but you won't gain anything. And what happens with that policy, if you are not able to keep up those high payments, you're going to stop doing it. And when I forgot in the industry, I was like, yeah, I want to sell this, it's a good product, and let's put people in it. But it's very few people that can afford it. Think about it. If it's only 10% of the population that earns$100,000 or more, now, how many people are going to really be able to keep up with that because they're living a certain lifestyle?

SPEAKER_04 27:32

Yeah, you're effectively you're shrinking your target market.

Respect, Bias, And Sales Psychology

SPEAKER_00 27:35

Yeah, you're shrink shrinking the target market. But for people that want it, and I and we see all this TikTok stuff and what they don't take, a lot of these guys that's been on these podcasts, they're in jail. Because legally, even if somebody insurance companies allow you to do something, legally as insurance agents, we're not supposed to show you how to get in a product to beat taxes. Even though it has that MEC thing and MEC and all of that, it's like I'm not supposed to show you how to overfund. It's still considered a life insurance policy. So now people are getting sued. Insurance company, they get sued, guess who they're gonna sue? They're gonna shoot that insurance guy. You get what I mean? For trying to to show it and project it is gonna do this and this, and people on a hype. But most people who even want the product and explain it that way, they want quick money. I want what is it gonna do in five years? If you're thinking five years, this is not the product for you. If you're not thinking 20 years from now, do not get into it. And a lot of people are getting into it late. You are 55 and 60. You are okay, I'm glad you're making money now, but this is really not the product for you. How many people are gonna keep do the statistics, right? Most people when they get to a certain age, their income goes down. Because you retire, you get older, whatever reason. Right. So you're projecting that your income is gonna stay this high throughout your whole life and you're gonna want to overfund it. I get people, I could put a few people in that product in a year. In a year, they're trying to pull money out. Like you just put the money in here. It's it's not gonna pop, showed you it's not gonna pop to at least year three. I mean do anything. I'm not even saying pop, just do anything at year three, any cash value. Yeah. So they waste the money. I think it's a good thing.

SPEAKER_05 29:16

And they're getting it because they can't afford to pay the premiums anyway. Something happens at a trucking company and the trucking industry, where I need my money, then I it's a headache.

SPEAKER_00 29:27

So I just tell people don't.

SPEAKER_04 29:29

Gotcha. Gotcha.

SPEAKER_05 29:30

Don't believe the hype.

SPEAKER_04 29:34

So what I hear a lot also as an objection as to why they don't need a policy is because I'm already insured through work. I already have a policy. And that has to be a lot of people because I've heard it a lot. And I'm not in the industry, and I still hear it. Well, I'm insured through my company, you know, I've got a policy, so I'm good. I don't need to buy anything extra. Trevor Burrus, Jr.

SPEAKER_05 29:54

Man, I mean, that just goes to being uneducated. I mean, what if the job quit? It's you or you quit the job. Then what you got? Many of my clients, they worked all their lives. They have this insurance on their job. Now they retired. They're 65, 66, whatever. Now they don't have any life insurance. I think people think that it dictates the thing. If you work for the st the state or the government, I mean sometimes those type of policies, you know, can transfer, can follow you. But I mean, the ordinary Joe Blow, I mean, when you quit trading, you know, hours for dollars, they're done with you. You know? They own the policy. When you when there's a work policy in place, you get a certificate, but you don't actually hold the policy in your hand. They don't send that to you. You know, because it's all paid in that group benefit. You know? And I see so many times now they retire, now they got health issues. Now they got a heart problem, they got this going on, so now they got to pay more. You know. A lot more for. And it is it's unfortunate. And I hate to hear people say that.

Planning For Elders Without Taboo

SPEAKER_04 30:57

Yeah. You know? To me, it's such an easy objection to handle. Because if I hear it, to me it should be, oh, you didn't know. Well, listen, when you no longer have that job, you don't longer have that policy. And then you're 20, 30 years older, even if you don't have health issues, it's just going to be more expensive by sheer virtue of your age. And that conversation should be done. Right. But I still hear pushback. I'm like, what are we doing? What are we still talking about? Did I just explain it to you?

SPEAKER_00 31:20

Because there's still is new, I think for one, with the education piece on that, is new. So it's like their brain is digesting. So it's like, okay, let me digest this in my brain. Is they telling the truth and I really don't want to spend the money. So they're trying to outthink you. It's like they're trying to play chess in their brain. Like, what other way can I tell her, no, I don't want to do that.

SPEAKER_05 31:38

Anything but pay some money or invest some money in your future.

SPEAKER_00 31:43

And I'm gonna tell you something too. I found that to me, that's the easier one, depending on what type of what they do for a living. For the most part, when people are doing, you know, high sometimes high-paying career people think different.

SPEAKER_01 31:57

That's true.

SPEAKER_00 31:58

If you sit down with them, they at least let you sit down and explain. You get what I mean? But sometimes when people are making a lesser m amount of income and depending on what they do for a living, I get more headache from that person. And also, too, I will say this too, on that type of thing, the higher level of income, because you gotta be a certain level, you know, most of the time, certain level of person to get to that income. Your word means something to them. So when their word means something, if I say, let's schedule an appointment, this or this, they're more likely to like, oh, she got me, right? And they'll show up and they'll listen, and nine times out of ten, because they're big on their word, they're either gonna buy something or they're gonna refer you. I've kind of found that to be a lot easier to say, like, hey, you do have it. However, let's look at this, and also too, as agents, that's where our training comes in. Not making people wrong.

SPEAKER_02 32:47

Yeah.

SPEAKER_00 32:47

If I make you wrong and I everything you say, I'm like, uh-uh, you're wrong. You uh uh you that doesn't work. Yeah, that worked. You shouldn't have did then. Yeah, you ain't you ain't you ain't thinking straight, right? So I'm already kind of told you you don't make the right decisions. So if I say, you know, you right in how you thinking, right? Your thinking is right, but let's do this, let's meet up. Because you know you're sharp, you're gonna make the right decision. So I have to always confirm that they're intelligent and they're gonna make the right decision, then I have an open space to give my knowledge and to educate.

SPEAKER_05 33:22

But if I keep not gonna they're not, they're not gonna be on the defense. Defense. You know, that you're breaking down.

SPEAKER_00 33:27

Yeah, but if I come to you and I was like, Willie, you ain't know what you're doing.

SPEAKER_05 33:31

Willie, why you doing it?

SPEAKER_00 33:33

Yeah, you're like, first of all, I'm gonna miss the appointment.

SPEAKER_05 33:36

I'm gonna call I may call you in counsel. I probably won't ever answer the phone again.

SPEAKER_00 33:41

She's doing too much. Yeah. You know, so it's a psychology game. We're dealing with so many different people. And I think in insurance, we think people think like us.

SPEAKER_04 33:50

Yeah. If I see one more fish fry flyer. I've never seen them.

SPEAKER_00 33:55

You know what the crazy thing?

SPEAKER_04 33:56

Yeah. I didn't know what a fish. I've seen it. I've seen it posted on Facebook.

Stop Waiting For Consensus

SPEAKER_00 34:00

I have never seen a fish fry. So when we first got in the industry and people say it's gonna be a fish fry, they want to f I just be like, what's a fish fry? They were like, Jennifer, the stuff they do and people don't have I said, I have never hot place, girl. When they sell a barbecue, I was like, I didn't know that's on their funeral.

SPEAKER_05 34:19

You think they didn't want to cook for anybody.

SPEAKER_00 34:21

I didn't know why they were selling plates in raising money.

SPEAKER_04 34:24

Before that funeral.

SPEAKER_00 34:27

Now I saw GoFundMe's cause we got those GoFundMe things on. And I tell my own family, I'm mean to divert y'all. Listen, do not call me.

SPEAKER_05 34:35

Don't.

SPEAKER_00 34:36

Don't you dare. I hate to say, if anybody pass away, y'all better pass by me and ask for me.

SPEAKER_05 34:43

I'm not giving a dime. You know what I do? Yeah. You know what I do for a living. I'm I'm at Family Barbecue barbecues talking about life and shit. They see me coming, they're like, You know, where they come. Yeah. Yeah. You don't you don't have a policy with me, do you? Everybody else do, but you don't.

SPEAKER_04 35:00

Yeah. Absolutely. Yeah. I'm I'm with you on that because that just makes sense to me. We know what to do, or at least someone's trying to trying to tell you. But you were too busy trying to push them off as in like, no, no, no, you're trying to sell me something. I don't want to hear it. I'm not interested, whatever. And now someone died. And now you're on Facebook and wherever else, and you're trying to raise money. No, you can't contact me either. I'm with you on that.

SPEAKER_05 35:21

Yeah. I don't want to rap. When I tried to rap with you before you I don't want to rap.

SPEAKER_00 35:28

No, but sometimes they're scared to call you too. I hear from somebody else. You know who a mama died? I'm like, who mama d I'm like, are you kidding me? How many times I've been trying to get that girl? Does she have insurance? Girl, she right here. I said, She'd nobody can call me. Do not call me. It's just despicable. You know what I mean?

SPEAKER_04 35:46

Well, it's not like you didn't try to get to him and help him first. I try to help you prior to it.

SPEAKER_05 35:50

You know how it's like when I told you. And you hate to be one that you said, I told you. You hate to be that person, but I mean, I told you.

Bring Back Honor And Dignity

SPEAKER_04 35:59

Is there something also in our community where even talking about death, it's kind of taboo? You know what I mean? Like people don't like it. You know, grandmother is 85 years old. We know she's gonna go. Hell, we're gonna go. We don't know when. But more likely that person is on their way at some point, right? And we know it's in the near future. And yet when you bring it up to your brothers and sisters and say, hey, we should do something, maybe set some money aside or get a policy, or we should have already gotten it, but let's get it quickly. Right. And they're like, Don't talk about that or whatever. Like, do you run into that a lot?

SPEAKER_00 36:32

It's not a lot. It's just really people don't want to spend the money. All of those things are objections. Because think about it. If you don't want to, the ones that we get that really don't want to talk about it, you know, they say, don't even go through that book, just how much is it? That's when you get is really like, I don't like talking about death. But it's just all of this stuff is just reasons to what they believe they got plans for that money. That hundred dollars a month or eighty dollars a month, or sometimes fifty. And in their mind, you are not coming into their cigarette money. You're not interfering with their, you know, going out. They nail money, and they just foolishness.

SPEAKER_05 37:09

And then some of them are still helping their grown children.

unknown 37:12

Yes.

SPEAKER_05 37:12

Yeah, so they can't really afford it because they got a Right. You know, and then they'll go ahead and get the policy, and then their grown children was get the mama to cancel the policy because it's interfering with the money that she was receiving from her mother. Wow. You know, as we see that too.

SPEAKER_00 37:28

They come out that back room.

SPEAKER_05 37:29

Yeah.

SPEAKER_00 37:30

See, if they have a uh education.

SPEAKER_04 37:31

You know what's funny? I'm I'm so sorry. I I'm picturing it. You know, I'm in the service industry. I've seen exactly what you're talking about. But when I come out that back room, I'm picturing that person doing it. And she's saying it walking down the hall.

SPEAKER_00 37:44

Yeah, what you talking about?

SPEAKER_04 37:45

What mama, what you doing? Exactly.

SPEAKER_00 37:47

She don't need none of that. She don't need none of that. We ain't I'm like, sir.

SPEAKER_03 37:53

You're being provided for.

SPEAKER_00 37:55

So you have a policy. Because I'm gonna get a policy on somebody today. I done drove all the way out here. Somebody getting dipped.

SPEAKER_05 38:02

Somebody buying something. Nah.

SPEAKER_00 38:04

So we then come out the back room. You know, either one or two things. You're gonna either get the ignorant person to come out the back room because they feel like their state of mind is you're taking away the money that mama's gonna get into me.

SPEAKER_02 38:16

I need$500. That's right.

SPEAKER_00 38:19

Or you get the person who is, he's still an opportunist. But they're they're a little bit deeper thinker. Nah, I'm gonna get mama to put me on this one because, you know, she'll on the other one. You know what I mean? So I'm gonna get on this one. I'm gonna be the beneficiary. So that is a difference. So if I if I get that one, I'm like, good, he can help me. Sit down, sit down. And we're gonna convince Mama to get it.

SPEAKER_05 38:41

A man corner.

SPEAKER_00 38:42

This is a respect level, too. We don't have respect for our race.

SPEAKER_05 38:48

What do you mean by that?

SPEAKER_00 38:49

Because if I come in and we come in looking good. Now I know Willie and I do something.

SPEAKER_05 38:54

Hey, you guys are sharp as hell right now. Look, I would and this wasn't playing. Yeah. Yeah.

SPEAKER_00 38:57

I just threw this in the side.

SPEAKER_05 38:58

This is how you wake up on a Wednesday. I'm talking about the color scheme. Yeah. Yeah. Pink and Jean. We did not. You look my stop. Had no idea.

SPEAKER_00 39:12

Well, we we deal with the respect. And we come in. If I come into your home and you hear someone and you know they're educated, you know they have a license, right? I'm not coming in there with my hair all top of my head and saying ain't got no professional. You come in professional, and then you have our race of somebody who's not professional, and you're trying to outprofessional me and my craft. Yes.

SPEAKER_02 39:40

I think came up with a word.

SPEAKER_03 39:42

That's good, but you gotta explain that one. What what exactly is happening? What's the what's what's uh Jerome out the back room?

SPEAKER_00 39:49

Or or it's a woman. Sometimes it's a woman. We're gonna get into that. So they see you and it's something triggers them.

SPEAKER_01 39:57

Okay.

SPEAKER_00 39:57

I don't like that you're coming in here and you're impressing my mother or father, or you're carrying yourself a certain way. So we get you get sometimes get a little hate. And they come in that room hating, and then they're trying to, you know, their Google knowledge, and you're trying to, and it's like I can't insult you. Yeah, I can't insult you because it could ruin your mother getting insurance and stuff. Something gonna help you anyway. But nine to intend, that person's not even a beneficiary. So they don't have a dog in the fight because you're not a responsible child because you live here.

SPEAKER_02 40:28

Ooh, damn.

SPEAKER_00 40:31

You get what I mean? You in the back room, you're taken care of.

SPEAKER_05 40:34

Right.

SPEAKER_00 40:36

But I have to, and see, in the insurance business, we talk about the product and sell the product, but the psychology of what we have to deal with, what I'm going into.

SPEAKER_02 40:45

Right.

SPEAKER_00 40:45

I may be going into a father or mother that really wants to provide, but they got a knucklehead for a kid that's causing issues, but for some reason, because of maybe guilt, they're allowing that child to kind of control what they do.

SPEAKER_01 41:01

Sure.

SPEAKER_00 41:02

And the child is coming in there, they look at sizing you up. Well, I'm just saying, you can't move here without, you know, calling. You know, like me and your mom got past that. So I gotta redo that with you, right? Then it's another thing. How we know this real? Whatever price you say, man, that's too high. Mama, you can get that for$9.99 on TV. You're like, sir, everybody would be in insurance if it was$9.99 a month.

SPEAKER_05 41:25

Like you freaking kidney. Make it make sense. Yeah.

SPEAKER_00 41:27

So we have to deal with, you know, we dealt with this to respect though. Because I'm gonna be honest with you, if I was a white woman, Jennifer, or if he's white, Mr. Nash, they would be tightened up. You know, nobody wants to talk about it.

SPEAKER_04 41:41

It's like we got company, let's act right. Let's act right.

SPEAKER_00 41:43

And I ain't gonna I ain't gonna question Mr. Charlie. Right. Because evidently he knows what he's talking about, but they can either know what you're talking about, but it's it's the disrespect, it's being envious, you know.

SPEAKER_05 41:56

And don't have a nice car. I know you don't pull up in your car. I do. When I do go, I I uh 99% is done over the phone for me. Yeah. But when I do go out, I'm very conscious of that.

SPEAKER_04 42:08

But there's also the fact that nobody wants to invest in the losers. So at the same time, if they have that right to see success, they're thinking, well, he has to be successful because he does something right. Right. And therefore they're because I, if you pull up my house, whether you're a financial advisor, lawyer, or insurance agent, and you look like you're struggling, I'm probably gonna just hold back a little bit. Because I won't be like, You don't know if you know. I don't know yet.

SPEAKER_05 42:34

That's like going to the barber shop and nobody's ever at that man's seat. It's a reason nobody's the reason. I ain't never seen nobody in your seat before.

SPEAKER_04 42:42

Yeah, I'm not gonna let you experiment on me, bro.

unknown 42:44

No. Yeah.

SPEAKER_04 42:45

You ain't gonna be, you know, I'm not gonna be your first client or whatever's going on, you know. So yeah, I yeah, you're right. People look at all these different things. I have a friend, his grandmother, she's past now, but he brought it up to his father, mother, a couple of cousins and brothers, and they were gonna have a very expensive policy on her. I think it's gonna be some ridiculous amount of money. I mean like a thousand dollars a month, something really, really high because she was old. But it was gonna be a million-dollar policy. And some kind of way, she qualified for it. So he already did the math. This is a super smart dude. He did the math already. He was just like, even if we pay this for like the next five years, the odds of her living past this point. So then he brought it up to the family, had a little meeting. Man, he almost cut this man's head off. She's a matriarch of the family. How dare you? Why are you thinking about her dying? Yeah, and you're trying to profit. So of course, it didn't go five years. Two years later, she passes, and he's looking at them like this. It's a million dollars. He's like, Yeah, we're sad, and she did everything for us. But this was our money. It's not like she would have been paying it. We would have been paying it. Right. And this is inevitable. That's what I'm about to say. It's gonna happen. And I don't know why that's such a hard subject to broach.

SPEAKER_00 44:01

But see, that's where that matriarch has to come into play and say, y'all need to do this.

SPEAKER_04 44:06

Yeah, but again, we go back to the education, right? This is someone matriarch in the sense that she's had the strength and she kept the family together. She did everything she was supposed to do for them. She cooked them biscuits. Yeah, exactly. All that good stuff.

SPEAKER_00 44:18

But you know it like I say, it still goes back to Well, even people back then, when they had those little education, they were smarter than people got degrees. I'm being honest. I'm like, what were y'all learning in school? You know. But it goes back to the, you know, the heart, the education. And sometimes, you know what people gotta stop doing? I I don't like going into a house and people want to rally the whole family together to get a policy. And certain cultures do that. I'm like, okay, calm y I'm not I'm not playing with you. You need to pay for it. And then get your brothers and sisters to pay you back. You get something lower, like if he wanted a million dollars. Maybe you don't need to get a million dollars. Maybe you need to get half a million or two hundred thousand that you can afford, and you just take yourself over there and sign up your grandma.

SPEAKER_05 45:03

Yeah, good he could have done it.

SPEAKER_00 45:05

And what happens is we want to wait on people. And that's why stuff doesn't get done.

SPEAKER_05 45:11

That's true.

SPEAKER_00 45:11

We get calls a lot of times from I always get the calls when they pass away. Right?

SPEAKER_05 45:15

Yeah.

SPEAKER_00 45:16

I see your card, what did mama get? You would get that. And I'm sorry.

SPEAKER_02 45:19

Mama didn't get none.

SPEAKER_00 45:20

Mama didn't get anything. And the next thing they always say is how much it would have cost. We give them we give them a quote. You mean tell me? Oh, we had to pay God, man. We gotta pay$80. Yeah, we could have came up. And in my mind, I'm like, no, you wouldn't, because she would have called you and you would have came up with some reasonable way you want to think about it.

SPEAKER_02 45:40

Yeah.

SPEAKER_00 45:40

So we, you know, we kinda go through that. People, I don't know why people don't think people are gonna die. Like, it's still a puzzle to me, because we actually got a license, you know, we're in the industry. I don't know, I just thought this was gonna be an easy sell, especially with pastors and and church folk. I ain't gonna lie, they the worst.

SPEAKER_02 45:59

I don't know if you need to edit that or not, but I'm being real.

SPEAKER_00 46:03

When I get a when I sit in front of a, God forgive me, a lot of pastors that I'm serious.

SPEAKER_04 46:09

Listen, trust me, God knows about them. Go ahead.

unknown 46:12

Yeah.

SPEAKER_00 46:13

They start this, well, you know, and I'm gonna, you know, make this decision when I feel need, I'll give you a call back. And it's like, sir, what are you talking about? What happens if you die tonight? You working, you know, you're a pastor. What do you what do you mean? They don't want pushback. They have a lot of arrogance. And the wife is back there rolling her eyes, like, oh, I'm so sick of him. You know what I mean? Like he just won't listen to anybody. Yeah. So a lot of pastors, a lot of church people, they're just doing a lot of things that because when I came in, I told my mom, she's having a church of prophetess. I said, Mom, sign up all these church people, you know, we're gonna get them covered. We're gonna She said, Mm-hmm.

SPEAKER_04 46:49

Yeah, she knew.

SPEAKER_00 46:51

She said, baby, all right now. I was like, What you mean, all right now? They they gonna do something. And they were the most difficult. Oh God, they were the most difficult to deal with. I was like, I don't even want to deal with them. Because I was burned so bad from people getting policies that were heavy in the church and were not paying the dang on policy or just would not even get it.

SPEAKER_04 47:14

Yeah. We tried our best through this conversation to have maybe some light be shed on the subject and hopefully that will trigger someone to kinda think a little bit differently and kind of re-look at their situation. I know exactly what you mean from my duty in the back. I keep going back to that because I can tell you, even in selling security systems, that I would go to a house and there was a young woman who just bought a house, she saved it was all hers, and she had a boyfriend, and then she would make the decision for her to be safe. And here comes the boyfriend who was just like leeching off of her, come out the back and then kill the wholesale because she didn't need to be secure because she had him. All he did was hang around the house and play video games all day and drove her car.

SPEAKER_00 47:57

But it was really about you. It it was you.

SPEAKER_04 47:59

Yeah.

SPEAKER_00 48:00

I could have went in and sold her. He a lot of men don't like anyone advising their woman.

SPEAKER_02 48:05

Yeah.

SPEAKER_00 48:06

You get what I mean? If you look a certain way and y'all come in and with a certain level of confidence and you get what I mean? Dressed up, that's a threat.

SPEAKER_02 48:15

Yeah.

SPEAKER_00 48:15

And their brain is thinking, he doesn't think you're gonna come in here one time. His brain is thinking, this thing breaks down, this joker's gonna be on the deck. I keep seeing him. No, no, no.

SPEAKER_02 48:29

I know what you mean.

SPEAKER_00 48:30

That's what their brain is thinking. Like, nah, bro. Get your smooth something. That's true. That is fun.

SPEAKER_04 48:50

So what's your final message to upheaval?

SPEAKER_00 48:53

Bring your heart back. Really self-diagnose yourself and think about your family and who you really love. Check yourself. Like, let's really get back into the heart of it. And it's not a one-person thing, it's a family thing. You know, if you're a child and you notice somebody doesn't have anything, just look around at your family and look at the type of legacy that you want to leave behind and what you want your family known for. Make your family name important and valuable.

SPEAKER_02 49:20

Yeah.

SPEAKER_00 49:21

You know, and that this is what we do. We have honor, we have dignity. And just bring honor and dignity back to your family. And that's the w mo most important way I feel to do it.

SPEAKER_04 49:29

Where can people find you?

SPEAKER_00 49:30

Um I'm Jenny with Build With Jenny on Instagram. Um do you want me to leave my phone number?

SPEAKER_04 49:35

If you want to.

Outro And Five-Star Request

SPEAKER_00 49:36

Yeah, I'll leave my phone number. My contact number is 770-868-6700. But my Facebook name is under Jennifer Lewis, but Bill with Jenny. V-U-I-L-D-W-I-T-H-E-N-N-Y.

SPEAKER_04 49:49

All right, awesome. Final message, brother.

SPEAKER_05 49:51

Man, I don't think I can top that final message. That was all inclusive, and I echo everything that she said. I mean No, I I don't have anything to add to that. That was uh you know, simple amazing. Yeah, that was well put. Yeah.

SPEAKER_04 50:02

All right, cool. We flipped the coin earlier.

SPEAKER_05 50:06

I thought you forgot about that.

SPEAKER_04 50:10

You just have to read the outro notes doing an impression. I don't care who you pick. All right. So let's set this up. So you're gonna be the dude at the back whose grandma or mom is buying an insurance policy and you're coming out.

SPEAKER_05 50:25

Mom. Hey, why don't you get them to leave a five-star review on our Apple Podcast? Thank you so much for listening. We'll catch you next week when we share conversations around the real issues. We deal with everything. How you gonna go back to be Willie? You and I can regular Willie. I could not do that. But you say you can't be a loser? I can't. They can't be a loser. It's hard for me to lose. It's hard for me to be a loser. The real me just came out. I couldn't do it.