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Investing Beliefs We Changed Our Minds On Jan 18, 2026

Show notes

In this candid Market Mondays clip, Rashad Bilal, Troy Millings, and Ian Dunlap dive into how their investing beliefs have evolved, sharing real-life shifts in perspective that can help every investor sharpen their game. Troy Millings kicks off by explaining why he’s had a change of heart about stocks priced under $25—especially in changing political and economic environments. While he was once wary of these "cheaper" stocks, Troy now sees their potential for major short-term gains, emphasizing that swing trades (rather than long holds) may be the best strategy in certain market climates. Ian Dunlap gets honest about his long-held conviction that Disney could dethrone Netflix as the top streaming giant. Drawing on years of data, updates on Disney’s streaming and ESPN efforts, and a comparison to the S&P’s performance, Ian reveals why he no longer sees Disney as a challenger to Netflix’s crown and questions whether Disney should have even entered the streaming wars. Rashad Bilal provides a valuable lesson for new and experienced investors alike, unpacking the popular advice to "invest in what you use and know." Instead, Rashad suggests going a step further: invest in companies the world *needs*—not just the ones you personally love. Whether it's Apple, semiconductor giants, or companies essential to healthcare, Rashad highlights why focusing on necessity over personal preference can lead to stronger investing outcomes. Together, Rashad, Troy, and Ian bring humor, honesty, and practical wisdom—showing that the best strategies often come from re-examining old beliefs and staying open to new ideas. *Don’t miss out on these key insights:*

Reconsidering undervalued stocks in unique market conditions
The realities behind Disney’s streaming business and legacy
Why loving a company isn’t enough—and what to look for instead
A practical approach to building a resilient, smart portfolio

If you appreciate real talk about money, mindsets, and markets, hit like, subscribe, and let us know in the comments: What investing belief have you changed your mind on? #MarketMondays #Investing #StockMarket #Disney #Netflix #PersonalFinance #InvestmentStrategy #Stocks #FinancialFreedom #TechStocks #MarketTrends #MoneyTalks #FinanceClip --- *Stay tuned for more discussions, unfiltered opinions, and the tools to grow your wealth with Rashad, Troy, and Ian.*

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Who Will Win the AI Race? Apple, Google, Microsoft and More Jan 17, 2026

Show notes

In this insightful clip from Market Mondays, Rashad Bilal, Ian Dunlap, and Troy Millings dive deep into the future of software companies in the rapidly evolving AI era. As artificial intelligence transforms every industry, which tech titans are set to thrive—and who is at risk of falling behind? Ian Dunlap highlights "AI indestructible" companies, naming SAP, Intuit, and ADP as strong contenders, while noting that well-known names like Duolingo and Adobe may face challenges. The panel debates the obvious winners—like Microsoft, with its Copilot integration and innovation through Azure—and discuss sleeper picks such as ServiceNow, lauded for its forward-thinking leadership and connectivity solutions. The discussion shifts to the race for an "agentic AI stack": an AI platform that can handle personal tasks like answering all your emails hands-free. Rashad Bilal and Ian Dunlap weigh in on whether Google, Apple, Microsoft, or Tesla will be first, with Google considered a front-runner thanks to its deep AI roots and integration with essential services like email and calendar. However, Rashad argues Apple’s dominance in vertical integration (managing texts, music, calendar, and email on a device most Americans use) gives it an edge—if it can catch up in AI investments. The clip doesn’t shy away from tough criticism of Apple’s leadership, with Rashad questioning Tim Cook's strategy and pointing out that Apple was offered the same deal that made Microsoft an AI leader—and turned it down. While Apple products remain indispensable and its ecosystem robust, signs of underinvestment in AI are causing market cap slippage and stirring calls for leadership change. Comparisons are drawn to companies that failed to keep up with innovation in the past—like BlackBerry and Intel—serving as a cautionary tale for Apple if it doesn’t shake things up. The hosts discuss what Apple should do next, from innovating through major acquisitions to fostering new executive leadership capable of driving AI progress. The debate closes with a reflection on whether being top of the market is enough—or if Apple, like in sports, needs new leadership to set a winning culture. Are Tim Cook’s days numbered, and is internal succession already in motion? Don’t miss this candid, thought-provoking conversation on how AI is reshaping the tech landscape for giants like Apple, Google, Microsoft, Amazon, Meta, and more. *Hashtags:* #AIEra #TechStocks #MarketMondays #Apple #Google #Microsoft #Innovation #Investing #TimCook #AIInvesting #TechTalk #SoftwareStocks #FutureOfAI #ServiceNow #SAP #Intuit #Amazon #Meta

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How Chocolate Clothes Global Turned African Culture Into a Global Fashion Brand Jan 16, 2026

Show notes

On today’s episode of Earn Your Leisure, we sit down with Kwaku Bediako, founder of Chocolate Clothes Global, for a powerful conversation on fashion, culture, and building a global brand with African roots 🌍👕. Kwaku breaks down what inspired him to expand Chocolate Clothes Global, how a six-month run on CNN helped legitimize and scale the brand, and why African influence is shaping global fashion more than ever. He also shares how America played a role in the brand’s evolution, the mentality required to succeed as a fashion designer, and the realities of building a business on the continent. We dive into pivotal moments—including a styling opportunity with Steve Harvey, lessons from a missed chance to style Naomi Campbell, and how Chocolate Clothes Global landed a partnership with the NBA. From building a subscription model to understanding why organic growth takes time, this episode is packed with real gems for creatives, entrepreneurs, and anyone looking to build something meaningful and global. #EarnYourLeisure #ChocolateClothesGlobal #AfricanFashion #FashionBusiness #BlackOwnedBusiness #GlobalBrand #Entrepreneurship #CreativeEconomy #AfricanCreators #FashionIndustry #BusinessFromAfrica #CulturalImpact #BrandBuilding #SubscriptionBusiness #NBApartnership #OrganicGrowth

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Trump vs The Fed: How Political Pressure on Jerome Powell Could Shake the Markets Jan 14, 2026

Show notes

In this revealing Market Mondays clip, Rashad Bilal, Ian Dunlap, and Troy Millings dive deep into the unprecedented Justice Department investigation into Federal Reserve Chair Jerome Powell at the direction of Donald Trump. With the market watching closely, the trio explores how politicizing the Fed could threaten its longstanding autonomy and set a dangerous precedent for America’s financial stability. Rashad highlights the seriousness of the Fed potentially losing its independence and becoming subject to presidential influence, emphasizing that Trump is not a traditional president and is aggressively consolidating power. Ian points out that the way Trump operates—allegedly using punitive measures against those who don’t comply—mirrors tactics seen in less democratic governments, raising alarms about the long-term impact on the economy and markets. Troy provides insight into Powell’s actual record, noting that Powell led the charge on recent interest rate cuts and managed the pandemic recovery strategically, yet is now facing political retaliation for not moving quickly enough to meet presidential demands. The hosts analyze how Powell's possible indictment—something never before seen in American history—may undermine confidence in future Fed chairs, making them vulnerable to political pressure instead of focusing on serving the public good. They also examine how this move fits into the larger context of Project 2025, designed to consolidate executive power across U.S. institutions. From the recent resilience of the stock market despite political turmoil, to the deeper questions about democracy, legacy, and financial policy, this discussion unpacks the real risks investors and citizens face when the independence of critical economic institutions is threatened. Will these actions cause a market crash or a slow erosion of trust in America’s financial system? Is this the beginning of long-term instability or just another political skirmish? Don’t miss this essential conversation for anyone concerned about the intersection of politics, economics, and market moves. *Timestamps:*

Trump’s DOJ investigates Fed Chair Jerome Powell
Why Fed independence matters
Will this impact the stock market and economy?
Project 2025 and executive power consolidation
How Jerome Powell managed rate cuts and market recovery
Predictions for the market in the second half of the year

--- #MarketMondays #JeromePowell #FederalReserve #DonaldTrump #StockMarket #Economy #Project2025 #Investing #Finance #FinancialNews #EconomicPolicy #MarketAnalysis Subscribe for valuable insights on business, investing, and the biggest financial stories shaping our world.

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The War Between Netflix & YouTube: How Podcasting & Content is Being Reshaped with Ian Schwartzman Jan 13, 2026

Show notes

In this clip, Rashad Bilal, Troy Millings, and Ian Schwartzman dive deep into Netflix's recent $100M deal to bring IHeart podcasts—including hits like The Breakfast Club and shows from Joe and Jada—onto their platform. What does this mean for the future of creators, viewers, and the entire podcast industry? Hear Rashad Bilal break down a conversation with Charlemagne about how Netflix is challenging YouTube’s long-standing dominance over creators. The hosts debate whether Netflix’s move will truly shake things up, offering alternative options for content creators who’ve long been under YouTube’s thumb. Troy Millings analyzes Netflix’s strategy to compete with both YouTube and cable TV, highlighting how podcasting and vodcasting (video podcasts) have become crucial to premium content platforms. The conversation uncovers how major platforms are fighting for the most-viewed and most-listened-to content on the planet. The group explores the financial implications for creators and companies—revealing how platform deals can mean guaranteed money but also restrict creator control. They caution that some fans may lose access to their favorite shows as content moves behind Netflix’s walls. Ian Schwartzman brings valuable insights from recent industry conversations, describing how contracts have evolved to include video rights, and how newer creators may trade those rights for bigger checks, sometimes before realizing their true value. Whether you’re a creator, a business-minded viewer, or just fascinated by the seismic shifts in the entertainment landscape, this clip offers powerful commentary on why video rights matter, how platform monopolies are breaking, and what the next decade might hold for podcasts and vodcasts. *Key Topics Discussed:*

Netflix’s strategy to acquire podcast video content
The ongoing battle between YouTube and Netflix
How platform exclusivity impacts creators and fans
Contract negotiation shifts: the value of video rights
The financial motivations behind deals for creators

Let us know in the comments: Will Netflix’s push into podcasting change how you watch and listen to your favorite content? Do you think creators are giving up too much? *#Netflix #Podcasting #YouTube #ContentCreators #BusinessNews #EntertainmentIndustry #BreakfastClub #IHeartRadio #JoeAndJada #StreamingWars #Monopoly #Vodcast #MediaIndustry*

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Why Wealthy Families Demand Prenups Jan 12, 2026

Show notes

In this powerful clip from "Black Out with Ian & Rashad," hosts Ian Dunlap and Rashad Bilal sit down and watch a viral moment in this Internet clip about the role of prenups—not just in marriage, but as a cornerstone of estate planning. Discover why some parents require their children to sign prenuptial agreements, with the threat of being written out of the family’s will if they refuse. Learn how this isn’t just about protecting wealth from in-laws, but about preserving legacies that generations have worked to build. Rashad Bilal explores the rarely heard perspective of parents implementing strict financial guidelines for their children’s marriages. Ian Dunlap shares the challenges and realities of generational wealth—making sure that what’s built isn’t lost due to poor personal decisions or opportunistic partners. This clip dives into topics like:

Why prenups matter beyond just marriage
How estate planning can affect family dynamics
Real-life examples from wealthy families (including a reference to the House of Gucci saga)
The difference between “builders” and “takers” in the world of generational wealth
Strategies to protect family assets from external risks

Whether you’re building your own legacy or just curious about how the ultra-wealthy manage their affairs, this conversation is filled with wisdom, funny anecdotes, and actionable financial insight. Hit play to learn why smart estate planning isn’t just about money—it’s about family, strategy, and safeguarding your future. If you’re interested in generational wealth or the business of protecting what you earn, you won’t want to miss this clip! --- *Hashtags:* #Prenup #EstatePlanning #GenerationalWealth #BlackOutPodcast #IanDunlap #RashadBilal #MarriageAndMoney #FamilyLegacy #WealthManagement #HouseOfGucci #MoneyTalks #FinancialPlanning #ProtectYourWealth

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2026 Stock Market Predictions: AI, Political Risk & Global Conflict Jan 11, 2026

Show notes

Dive into bold predictions and candid insights about the 2026 financial landscape in this Market Mondays clip! Troy Millings, Ian Dunlap, and Morgan Debaun break down what investors can expect, covering everything from explosive market rallies, looming geopolitical tensions, the future of AI, and the impact of midterm elections. Troy Millings forecasts an "absolutely amazing" first half of the year with the Dow potentially hitting new highs, but flags concerns about a possible mid-year market drop due to geopolitical shocks. He points to record highs in copper, gold, and silver, suggesting that something has to give in this risk-on environment—whether in tech, crypto, or commodities. Troy also calls out leadership at major corporations, hinting it’s time for fresh faces at the helm as several big names continue to struggle. Morgan Debaun brings historic perspective, spotlighting the pattern that when the first five trading days of a year are positive, 85% of the time so is the full year. She discusses the nuanced relationship between war, market volatility, and policy changes, expressing cautious optimism for continued market gains—possibly double digits—while keeping an eye on election-year shifts and their economic consequences. Ian Dunlap emphasizes the profound influence of domestic politics on market performance. He probes the “blue wave” effect, suggesting Democratic wins could mean short-term negative returns, while Republican control is positive for stocks. Ian illustrates how social media and news manipulation—such as the Somali daycare controversy—play into broader political strategies to sway public opinion and market sentiment. He advocates for bold action over safe plays, both in politics and investment. This clip is packed with real talk, actionable insights, and a healthy dose of skepticism about leadership, subsidies, and global game-changers. Whether you’re a seasoned investor or just trying to understand the market’s next move, Market Mondays offers a fresh take on the challenges and opportunities ahead for 2026. *Key Topics Covered:*

2026 market forecasts and why the first half may soar
The role of commodities, tech, and crypto in reshaping risk
Geopolitical conflicts and midterm fallout risks
The enduring strength—and limits—of the AI trend
How political control influences market returns
Real-world examples of news manipulation and corporate bailouts
The need for bold leadership and new strategies in business and government

Join the conversation and let us know: Do you agree with these predictions? What sectors are you betting on? Connect with the Market Mondays community in the comments! *Hashtags:* #StockMarket #Predictions2026 #MarketMondays #Investing #AI #Politics #Geopolitics #DowJones #SP500 #TroyMillings #IanDunlap #MorganDebaun #FinancialInsights #WallStreet #GlobalMarkets

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5 Daily Habits for Success in 2026 Jan 10, 2026

Show notes

In this Market Mondays clip, Rashad Bilal, Troy Millings, and Ian Dunlap come together to share the five daily habits they’re prioritizing for success, health, and well-being in 2026. Dive in as they discuss practical routines, mindset shifts, and intentional living that will help set the foundation for a prosperous and balanced future. Rashad Bilal kicks things off by highlighting the importance of daily exercise, meditation, gratitude through prayer, mindful nutrition, and continuous education. Drawing from years of personal experience, Rashad shares how working out for an hour, starting the day with meditation, and sticking to a nutrition plan—like having only fruit before noon and no food after 8 pm—have all played a pivotal role in his personal growth. He also emphasizes drinking a gallon of water and making sure to dedicate time every day to learning something new, whether through documentaries, books, or podcasts. Troy Millings builds on these habits with his own approach to intentional living. He echoes the need for prayer as the first act of the day and is a firm believer in reading before turning to any screens or distractions. Troy shares the power of self-reflection, including weekly check-ins with his wife to ensure they’re aligned both personally and professionally. Treating the body like a vital infrastructure, he underscores the benefits of incorporating exercise and sauna sessions. Troy also stresses the importance of staying connected with your finances, making it a point to review accounts, investments, and assets daily to avoid surprises and maintain control. Ian Dunlap adds his perspective by focusing on meditation, prayer, and prioritizing personal relationships before business each morning. He talks about gratitude practices, like writing down three things he’s grateful for, and making it a mission to learn and do something new every day to avoid getting stagnant. Ian also mentions the significance of studying markets regularly to stay sharp and ahead. These insights from Rashad, Troy, and Ian go beyond surface-level tips—they’re actionable strategies rooted in experience. Whether you’re an entrepreneur, investor, or anyone looking to level up in 2026, these habits are your roadmap to consistency, growth, and fulfillment. *Want more tips for financial, personal, and professional success? Make sure you subscribe to Market Mondays and turn on notifications so you never miss a clip!* #MarketMondays #DailyHabits #Success2026 #RashadBilal #TroyMillings #IanDunlap #SelfImprovement #FinancialLiteracy #HealthyLiving #PersonalGrowth

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Will China Invade Taiwan? Market Impact, Tensions & The Semiconductor Race Jan 09, 2026

Show notes

In this Market Mondays clip, Rashad Bilal and Troy Millings deliver an in-depth discussion about the mounting geopolitical tensions surrounding Taiwan, focusing on the global importance of Taiwan Semiconductor Manufacturing (TSMC). The conversation examines whether China is likely to attempt a takeover of Taiwan this year, the potential repercussions for the world's tech economy, and the strategic stakes behind semiconductor manufacturing. Troy Millings and Rashad Bilal break down how TSMC stands at the center of the AI and tech revolution, responsible for manufacturing a staggering 90% of the world’s advanced semiconductors. With both U.S. GDP and leading tech giants—Nvidia, Apple, Microsoft, Meta—heavily reliant on Taiwan’s chips, any threat to TSMC not only jeopardizes global technological progress but could also trigger economic catastrophe. The clip highlights the unlikely scenario of immediate conflict but acknowledges espionage attempts, corporate “kill switch” defenses, and China’s longstanding desire to reunify with Taiwan—all of which add layers to this complex global standoff. Rashad Bilal emphasizes the strategic moves of U.S. investment in semiconductor fabs, aiming to reduce dependency and avoid the risks tied to the hyperconcentration of tech stocks. The duo also exposes the shifting market landscape, noting that just 10 stocks now comprise 35% of the U.S. market’s value—a level of concentration unseen in decades. Subtle references to historical missteps, espionage cases, and “war games” scenarios give viewers a gripping understanding of the stakes at play. Troy Millings and Rashad Bilal invite questions about everything from global manufacturing trends to the realities of modern warfare and economic security. Whether you’re an investor, tech enthusiast, or someone keeping tabs on world events, this is a must-watch analysis showing how one company, one country, and one conflict could reshape the future of the global economy. *Hashtags:* #Taiwan #China #TSMC #Semiconductors #TechStocks #MarketMondays #Geopolitics #Investing #AI #Nvidia #Apple #Microsoft #Meta #Hyperconcentration #USMarket #GlobalEconomy #WarGames #FinancialNews #StockMarket

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90% of Podcasts Are Doing It Wrong — Truth Behind Media Deals & Inside the Joe Budden Podcast Empire Jan 08, 2026

Show notes

On this episode of Earn Your Leisure, we sit down with Ian Schwartzman, business partner and part owner of the Joe Budden Network, for a real behind-the-scenes breakdown of the podcast and media business. Ian opens up about how his partnership with Joe Budden was built, why most podcasts are operating the wrong way, and how content creators often undervalue what they actually own.

We dive deep into why streaming numbers alone don’t define your worth, how the Joe Budden Network operates more like a data company than a traditional media brand, and why too many ad reads can actually hurt long-term value. Ian also explains why so many podcasts fail on Patreon, how network breakups can sometimes lead to stronger ownership structures, and why making smart business decisions shouldn’t be taboo in creative industries.

The conversation expands into the evolving media landscape, including major industry deals like Netflix partnering with iHeartMedia, the negotiation strategies behind big partnerships, and whether podcasters are giving up their video rights too early. From the podcast bubble popping to why experience matters more than a quick ad check, this episode is a must-watch for anyone building in media, content, or business.

EYL University: https://eyluniversity.com

#EarnYourLeisure #PodcastBusiness #IanSchwartzman #JoeBuddenNetwork #ContentCreators #MediaDeals #Netflix #iHeartMedia #PodcastIndustry #Ownership #DigitalMedia #Entrepreneurship

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