David Banner on Losing $12M for Black Activism, Depression, & Why Integration Was Worse Than Slavery

This week on Earn Your Leisure, we sit down with the legendary David Banner for one of the most raw, thought-provoking, and inspiring conversations we’ve ever had.From building a studio in his van while homeless to negotiating Gatorade deals and launching a three-state distribution network, Banner breaks down his journey from Mississippi to mogul. He opens up about writing his first contract, navigating taxes, battling depression, and losing millions as an activist — all while staying true to his vision and purpose.We also dive deep into race, culture, and responsibility. From comparing the music industry to the plantation system, to his controversial views on integration, to the influence of modern music on our communities — this episode is a masterclass in business, leadership, and self-awareness. Plus, we hear powerful moments about fatherhood, faith, and the high cost of being a visionary.Invest Fest Ticket Link: https://investfest.com#DavidBanner #EarnYourLeisure #EYL #MusicIndustry #Activism #BlackExcellence #HipHopBusiness #CulturalLeadership #Entrepreneurship #SwizzBeatz #SnoopDogg #IndependentArtists #Depression #Visionary #RacialJustice #Integration #Taxes #FinancialFreedom #Parenting #FaithAndPurpose #Mississippi #EYLNetworkOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this thought-provoking clip from Market Mondays, renowned futurist and entrepreneur 19 Keys sits down with Ian Dunlap for an intimate, no-holds-barred discussion about the role of artificial intelligence in our culture and economic future. Is AI a threat to cultural identity and prosperity, or could it be a tool for empowerment and resilience? The conversation digs deep into the duality of technology and the mindset required to navigate the fast-evolving digital landscape.19 Keys emphasizes that imagination is humanity’s greatest strength, setting us apart and enabling us to shape the future. He challenges the popular narrative rooted in negative collective memories and urges the community to reframe their relationship with technology—not to fear it, but to master it with intention and creativity. According to 19 Keys, the real asset in this new era isn’t just time—it’s cognition. The quality of your thinking and capacity for adaptation have become the ultimate KPIs, especially in a world where AI is a “Messianic digital figure” for many.The clip touches on the MIT report warning about “cognitive debt” from overusing AI, highlighting that mindlessly relying on tech decreases your long-term memory and problem-solving skills. 19 Keys shares his disciplined approach: thinking independently before consulting AI, constantly questioning its output, and focusing on sustained neurological growth—neuro-adaptation—rather than just short-term memory boosts. He underscores the importance of rituals like journaling, reflection, and taking action on insights, explaining that optimal results come from human + AI synergy, not from blindly following algorithms.If you want insights into safeguarding your cognitive wellness and using AI as a lever for success—without losing your sense of self—this clip is a must-watch.*Tune in and join the conversation on how we can consciously shape the future of our culture, economy, and minds.*---*Hashtags:*#MarketMondays #19Keys #IanDunlap #ArtificialIntelligence #AIFuture #Cognition #DigitalWellness #BlackExcellence #Futurism #CultureAndTech #AIEthics #DigitalResilience #PersonalDevelopmentOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this can't-miss clip of Market Mondays, hosts Rashad Bilal, Troy Millings, and Ian Dunlap dive deep into the fierce competition between the world's biggest tech companies. Is Apple's reign over as the industry's top dog coming to an end, or can Cupertino make a comeback? The hosts break down who might overtake Apple in market capitalization, what Apple needs to do to avoid falling behind, and which companies are nipping at its heels.Ian highlights the critical importance of Apple investing in AI and warns that without significant moves—like partnering with leaders in AI or blockchain—Apple could slip even further down the rankings, possibly to fifth place by 2030. The guys discuss heavyweights like Google (Meta), Amazon, Microsoft, Nvidia, and Saudi Aramco, analyzing each company's strategies and advantages. Troy emphasizes how automation and cloud services, especially Amazon’s AWS, are transforming profit margins and growth potential in the tech world.But it’s not just about the winners at the top! The hosts also tackle a fan question about how to spot when a stock is simply “dead” versus when it’s a hidden gem ready to bounce back—using Robinhood, Zoom, and Zillow as prime examples. Ian shares his investing philosophy: instead of focusing on dead charts, look for companies with great fundamentals and management, and don’t miss those moments to load up on quality shares during a downturn.Whether you’re trading daily or building your long-term portfolio, this Market Mondays clip is packed with insights on: The current top 10 companies by market cap What’s holding Apple back—and what could help it surge ahead Why AI and cloud computing are game-changers Tactical investing tips for identifying true opportunitiesPlus, enjoy some classic Market Mondays banter and gems you won’t hear anywhere else. Don’t forget to hit the like button, share the video, and check out Invest Fest deals mentioned by the hosts!*Hashtags:* #MarketMondays #Apple #Nvidia #Google #Amazon #TechStocks #Investing #AI #StockMarket #Clip #InvestFest #StockTips #FinancialEducationOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this episode of Earn Your Leisure, we sit down with hip hop media pioneer Ralph McDaniels, creator of Video Music Box. He shares how he built the show like a mixtape, maintained full creative control, and gave artists like Nas their first shot in front of the camera.We explore the golden era of music videos, MTV’s impact, and whether Suge Knight gets enough credit for shaping the industry. Ralph also responds to Dr. Umar’s critiques of hip hop and discusses the genre’s lasting power to connect people worldwide.From stories about DMX, Kanye, and Drake, to thoughts on New York’s musical influence and threats like Project 2025, this episode is full of game, history, and cultural insight. Tap in.Invest Fest Ticket Link: https://investfest.com#RalphMcDaniels #VideoMusicBox #Nas #HipHopHistory #SugeKnight #MTV #KanyeWest #Drake #Project2025 #EarnYourLeisure #EYL #DMX #BlackExcellenceOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome to another insightful Market Mondays clip! In this discussion, Ian Dunlap, Troy Millings, and Rashad Bilal break down the major players driving the surge in defense technology and the moral dilemmas facing investors today.This week, we focus on Meta, Palantir, and OpenAI—three giants shaping not just the tech world but the future of defense and AI. The hosts address why Meta and Palantir stocks are on the rise, with Meta’s Mark Zuckerberg rumored to be cozying up to political power, and Palantir increasingly seen as a force in modern warfare scenarios. There’s also talk about OpenAI’s potential as a future public market player and how Anduril, another defense tech company not yet publicly traded, is pushing the boundaries of the industry.Ian, Troy, and Rashad explore the shift in Silicon Valley, where defense tech has gone from “antiquated” to trendy, with CEOs turning into celebrities—and wars discussed not just as tragedies, but as investment opportunities. They dive into why RTX (Raytheon Technologies) has outpaced other traditional defense stocks and discuss how the IPO market is heating up for these types of companies.But with these meteoric rises come tough questions. As defense becomes big tech’s next growth sector, is it moral to invest in companies profiting from conflict? The trio comments on the dilemma of investing for growth versus navigating personal and societal ethics. They also touch on the personal stories behind the companies—like how Palmer Luckey’s firing from Meta allegedly for supporting Trump fuels the "revenge story" of Anduril, and what it means for today’s business and political climate.If you’re interested in the intersection of tech, war, and Wall Street, this clip is for you. Discover how the investment landscape is changing, which companies are set to skyrocket, and why defense tech is no longer operating in the shadows.*Key Topics in this Clip:*Meta, Palantir & OpenAI: What’s driving their dominance?Why traditional defense stocks like Raytheon aren’t moving as expectedEmerging companies (like Anduril) and their potential IPOsThe celebrity CEOs of defense tech and the mainstreaming of warMoral dilemmas: investing for profit vs. personal ethics in defense techBehind the business: Palmer Luckey, Mark Zuckerberg & political power movesJoin the conversation with Ian, Troy, and Rashad as they challenge you to think about your role—and your responsibility—as an investor in today’s volatile world.*Don’t forget to like, subscribe, and let us know your thoughts in the comments!*#MarketMondays #DefenseTech #Palantir #Meta #OpenAI #Anduril #Investing #TechStocks #AI #WallStreet #MoralInvesting #IPO #Finance #WarEconomyOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this episode of Earn Your Leisure, Kirk Franklin and Norman Gyamfi sit down for a powerful conversation that bridges faith, culture, and business. They share the story of how their partnership began and why their mission goes far beyond music. Norman reveals how a lack of marketing in the gospel industry motivated him to get involved, and he breaks down the business behind Insignia Assets. Kirk opens up about his past experiences working with family and friends, and the hard lessons he learned from signing a bad record deal.Together, they explore the current state of gospel music—its struggles with cultural relevance, outdated record structures, and slow adaptation to streaming. Kirk and Norman reflect on whether today’s generation is searching for a new kind of spirituality and whether the church is meeting them where they are. They discuss the impact of artificial intelligence on music and faith, questioning if technology could ever replace real authenticity or even spiritual leadership.The conversation goes deep on themes of judgment, power, and how the Black church has both uplifted and, at times, weaponized religion. Kirk questions whether being held to a higher standard has truly benefited him, while Norman reminds us why we should never lose hope in humanity. This episode is raw, honest, and necessary for anyone thinking critically about the intersection of faith, leadership, and legacy.Invest Fest Ticket Link: https://investfest.com#EarnYourLeisure #KirkFranklin #NormanGyamfi #GospelMusic #FaithAndBusiness #ChristianityToday #BlackChurch #MusicIndustry #Entrepreneurship #Spirituality #CulturalRelevance #EYLOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this insightful clip from EYL, MG The Mortgage Guy joins Troy Millings and Rashad Bilal to break down creative real estate hacks that can help you qualify for a mortgage and scale your income—especially if you’re not navigating the process alone!Discover how you can leverage roommate (or "border") income, even if it's a boyfriend, girlfriend, or college roommate, to boost your mortgage qualification. MG explains Fannie Mae’s Homeready program, which lets you use documented rental payments from roommates to strengthen your application, as long as you’ve collected proof over at least 9 of the last 12 months.The clip dives into the vital importance of documentation—leases, payment records with memos clarifying "rent," and making sure everyone’s on board. They also discuss common scenarios, like living with a partner (who isn’t on your lease), and how putting everything in writing can unlock significant buying power, all while keeping your finances and future flexibility secure.Graduating college soon? MG reveals a little-known hack: you can use your college history as work history for mortgage qualification, and if you’ve collected rent from roommates (with all the right paperwork), that’s extra income to help you buy your first home right after graduation!For those interested in maximizing every opportunity, they touch on leveraging an ADU (Accessory Dwelling Unit) for long- or mid-term rental income, and how areas near hospitals, airports, or New AI data centers can create lucrative mid-term rental plays—ideal for traveling professionals, corporate consultants, or construction workers on multi-month assignments.Whether you have a pool to rent out (think Swimply), extra space in your home, or are just getting started, this strategy-packed clip is a must-watch for anyone looking to house hack, generate additional income, or simply make smarter real estate moves.Hit play to learn how better documentation, teamwork, and a little creativity can make real estate investing more accessible than you ever thought possible!*#RealEstate #HouseHacking #MortgageTips #EYL #RoommateIncome #ADU #HomeBuying #FinancialFreedom #Swimply #Investing #CollegeHacks #WealthBuilding*Our Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this clip from Market Mondays, hosts Troy Millings, Rashad Bilal, and Ian Dunlap tackle the burning question on every tech investor’s mind: Is it time to sell Apple stock? With Apple’s latest WWDC leaving many underwhelmed and AI innovation seemingly lagging behind major competitors like Microsoft, OpenAI, Google, and Meta, the crew dives deep into what's next for one of the world’s most valuable companies.Ian Dunlap doesn’t pull any punches, calling this year’s WWDC the “most disappointing in the last 15 years” and sets a bold ultimatum—if Apple doesn’t deliver significant AI development by 2026, he’ll recommend liquidating all Apple positions. With Apple three months in the red and missing key opportunities in the AI race, the discussion turns to real concerns about their innovation culture and leadership under Tim Cook.The hosts debate whether Apple’s rumored features like “liquid glass” are true innovation or just signs that they’re out of touch with the current tech landscape. Is Apple’s massive $130 billion cash reserve enough to let them play catch-up, or has leadership missed too many strategic chances? The conversation gets candid about how the company missed out on big partnerships and acquisitions—including possibilities with OpenAI and DJI.Troy and Rashad bring counterpoints, questioning if Apple’s war chest could still secure its spot in AI’s future, or if the era of “reactive” rather than “proactive” innovation has put them irreversibly behind. They also examine how other companies—like Canva, Meta and Anthropic—are now making bigger AI leaps than Apple, and what that signals for investors.Should Tim Cook step aside for new leadership? Is it too late for Apple to reclaim its innovative edge? And if you’re considering selling Apple stock, where should you move your money next? Get the harsh truth, plus a look at what’s happening at the upper management level that could be holding Apple back from real breakthroughs.Whether you’re a tech investor, Apple fan, or concerned shareholder, this clip is packed with unfiltered insights and actionable perspectives on Apple’s future in AI.*Watch now to find out if it’s time to cash out or hold on. Don’t miss the debate that could shape your portfolio decisions for 2025!*#MarketMondays #AppleStock #AI #TechInvesting #WWDC2024 #TimCook #Innovation #Microsoft #Meta #OpenAI #AppleAI #Investing #StockMarketOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this special episode, we sit down with Matt Garland to talk about what it takes to become a real estate professional in today’s market. We break down creative house hacking strategies, smart financing options, and new wealth-building opportunities in real estate.Plus, Rashad shares what he learned firsthand during his trip to China — including how to source high-quality home materials directly from the source and save thousands on your next real estate project.Whether you’re a first-time investor or seasoned homeowner, this episode is packed with gems you don’t want to miss.Invest Fest Ticket Link: https://investfest.com#RealEstate #HouseHacking #WealthBuilding #ChinaSourcing #RealEstateInvesting #EarnYourLeisure #MGTheMortgageGuy #HouseFlipping #HomeDesign #InteriorSourcing #RashadBilal #EYL #FinancialFreedom #RealEstateTipsOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this eye-opening clip of *Black Out with Ian & Rashad*, Rashad Bilal shares his first impressions from his trip to China, diving deep into cultural differences, the cost of living, and the systems that shape global wealth disparities. Ian Dunlap joins in to unpack how America’s capitalist design compares—and why our views on prosperity, inflation, and opportunity are often based on manufactured realities.Rashad breaks down the striking differences he noticed in China: Low noise pollution and a calm public demeanor, a stark contrast to the fast-paced, loud culture he’s used to in Manhattan. The pace of daily life, where people aren’t in a constant rush, and mid-day breaks are the norm. Affordable living costs, like rent as low as $175 for a one-bedroom apartment—compared to skyrocketing U.S. prices. Technological advances and a booming electric vehicle industry, with 20 EV companies innovating at lightning speed. The vibrant African community in Fu Shuang, driven by international business and trade.Ian and Rashad then dive deeper, connecting the dots between global economics and the impact of outsourcing, inflation, and “greedy capitalism.” How are America’s financial structures forcing unnecessary inflation? Why does our middle class struggle while other countries provide affordable, efficient lifestyles? And what does it mean for the future if we don’t adapt?You’ll also hear personal anecdotes about the real cost of luxury goods, the everyday stress faced by Americans, and why the search for a better quality of life might take us beyond the borders of the U.S.This candid conversation will change the way you think about international living, financial systems, and what it really means to “make it.”*If this conversation sparks your interest, make sure to catch the full Market Mondays breakdown next week!*Don’t forget to like, subscribe, and hit the bell so you never miss a clip from *Black Out with Ian & Rashad*.*#ChinaExperience #CostOfLiving #GlobalWealth #Capitalism #BlackOutPodcast #IanDunlap #RashadBilal #InternationalLiving #WealthDisparity #FinancialFreedom #MarketMondays*Our Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy