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    Business

    Earn Your Leisure

    Welcome to The Earn Your Leisure Podcast. Rashad Bilal and Troy Millings will be your host. Earn Your Leisure will be giving you behind the scenes financial views into the entertainment and sports industries as well as highlighting back stories of entrepreneurs. We will also be breaking down business models and examining the latest trends in finance. Earn Your Leisure is a college business class mixed with pop culture. We blend the two together for a unique and exciting look into the world of business. Let’s go!! #earnyourleisurepodcast

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    Copyright: © 2022 EYL Network

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    Latest Episodes:
    How to Build Real Estate Wealth & Save Hundreds of Thousands Sourcing from China Jun 20, 2025
    Show notes

    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 #RealEstateTips


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    My Experience in CHINA: Cost of Living, Wealth Gaps & Capitalist Design Jun 17, 2025
    Show notes

    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*


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    Where Should Investors Focus Now? AI, Finance & Business Strategies for Success Jun 12, 2025
    Show notes

    In this powerful Market Mondays clip, host Troy Millings and guest Paul Judge break down exactly where new graduates, investors, and entrepreneurs should direct their focus in today’s rapidly evolving business world—especially as artificial intelligence (AI) transforms every sector.


    Paul Judge demystifies the best approach for thriving in tech: focus less on flashy technology and more on solving real, valuable problems that businesses are willing to pay for. Drawing from his own experience, Paul explains why success often comes from understanding the three core business layers—IT infrastructure, finance, and people.

    • *IT Infrastructure:* Discover how the shift from the cloud to AI and agentic IT is creating huge opportunities for innovation in cybersecurity and enterprise software.
    • *Finance:* Learn why embedded finance and open banking are now major arenas for anyone looking to capitalize on the globalization of money movement and fintech disruption.
    • *People & Healthcare:* As AI reshapes the future of work, upskilling, retraining, and healthcare tech are more relevant than ever. There are massive inefficiencies waiting to be solved in the $4 trillion healthcare industry.


    Paul’s advice? Identify a pressing business problem, solve it for one customer, then scale and grow. The tech itself is just a tool—the real key is delivering value and repeatable results.


    Whether you’re a recent graduate, a tech investor, or an entrepreneur aiming to build the next big thing, this clip gives you a practical playbook for making smarter moves in a world changed by AI and digital transformation.


    🔔 *Don’t miss out on our Market Mondays insights—hit subscribe and stay ahead of the curve!*


    #MarketMondays #Investing #AI #Entrepreneurship #Finance #Fintech #BusinessStrategy #Cybersecurity #HealthcareTech #TechCareers #BusinessGrowth


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    Building a Farm from Scratch: Lessons and Advice from Kenya Jun 11, 2025
    Show notes

    In this clip from EYL, special guest Kelis shares her incredible journey of building a farm from the ground up in Kenya, offering invaluable insights for anyone curious about agriculture as a business opportunity. She dives into the realities of land acquisition, the true profitability of farming, and why Kenya presents unique advantages compared to places like California or Texas.


    Kelis discusses her experience navigating land deals, revealing how prices can vary dramatically depending on factors like proximity to main roads and the deep cultural value of heritage land. If you've ever wondered if land in Kenya can be as affordable as in some US states, she breaks it all down—including why sometimes a small plot can be just as pricey as a full acre.


    The conversation shifts to the profitable side of farming, specifically how crops like onions are in high demand due to local supply needs. Kelis offers real numbers, explaining how an $11,000 investment in a five-acre onion farm can yield $30,000–$35,000 per quarter, highlighting agriculture as a practical, lucrative business with plenty of room for growth.


    But farming isn’t just about buying land and planting seeds—there’s a whole operational side involving irrigation systems, workforce, pest control, and fencing. Kelis talks about the complex technology and manpower that goes into a successful farm, debunking the myth that farming is old-fashioned or low-tech. She emphasizes the value of local expertise, sharing stories of how Kenyan agronomists and horticulturists have supported her every step of the way.


    One of the biggest surprises for Kelis was the incredible generosity and support from the Kenyan community. She explains how locals are always willing to offer advice, share best practices, and genuinely want newcomers to succeed in their farming ventures. These connections have been crucial to her progress, making an otherwise daunting endeavor feel accessible and welcoming.


    The clip also touches on practical challenges, from dealing with droughts and pests to installing a borehole (a specialized well system) for consistent irrigation—something that requires technical knowledge and upfront investment but ensures long-term farm sustainability. She offers tips on what to check before buying land, such as the importance of geological surveys to guarantee water access.


    Lastly, Kelis highlights the unique ecosystem of Kenyan farms, including encounters with wildlife like hyenas and giraffes, and underscores the importance of working with nature rather than against it—a lesson she’s applying as she grows her farm in a way that maintains the local environment.


    If you’re considering investing in agriculture, dreaming of a farm in Africa, or just interested in real-world entrepreneurship outside the typical business world, this clip is packed with practical advice, motivation, and fascinating stories straight from the source.


    *Don’t forget to like, comment, and subscribe for more insightful conversations and entrepreneurial journeys!*


    #FarmingInKenya #AgricultureBusiness #EYL #FarmToTable #LandInvestment #Entrepreneurship #AfricanFarming #Kelis #KenyaAgriculture #BusinessOpportunities #SustainableFarming #OnionFarming #FarmLife #BuildingAFarm #InvestmentAfrica


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    Magic Johnson's Billionaire Blueprint: The Story Behind His 125 Starbucks Empire Jun 07, 2025
    Show notes

    In this powerful Market Mondays clip, we dive deep into the extraordinary entrepreneurial journey of Magic Johnson—a legend whose business moves have made just as much impact as his sports legacy. Inspired by a stellar Instagram video, the crew takes time to break down why Magic’s story is full of valuable lessons every aspiring entrepreneur should hear.


    Hear directly from a clip of Magic Johnson as he shares his struggles and triumphs in accessing capital: from being rejected by banks, to finally securing funding from CalPERS after proving his business acumen with a massive profit flip on a shopping center in the inner city. This pivotal moment opened doors for Magic, leading to his historic partnership with Starbucks—despite early skepticism that minority communities would pay “$3 for a cup of coffee.”


    The Market Mondays team discusses how Magic’s foresight and courage revolutionized inner city communities: he brought both movie theaters and coffee shops to places others ignored, proving how recognizing cultural needs can lead to incredible success. Magic’s journey is highlighted as a case study in scalability, business intuition, and breaking through barriers in corporate America.


    Get inspired by Magic’s evolution from sports icon to entrepreneur, as he transitions from selling successful portfolios, acquiring real estate, to owning major stakes in sports teams like the LA Dodgers and the Washington Commanders. The hosts remind us that Magic's business empire was built step by step—scratching and clawing, never relying on just one big break.


    This clip also lays out important messages for black entrepreneurs: Don’t let anyone convince you that there isn’t money or opportunity in serving underrepresented communities. Major companies like Target and Nike face challenges for ignoring this market, proof that authenticity and cultural relevance are key to business longevity.


    Tune in as Market Mondays celebrates Magic Johnson as one of the top black billionaires in U.S. history and calls for more recognition of living legends. Let’s learn, get inspired, and remember to give our superheroes their flowers while they’re here.


    *Don’t forget to like, subscribe, and share if you found value in this discussion. Got someone in business you’d like us to highlight next month? Drop a comment below!*


    ---


    *Hashtags:*

    #MarketMondays #MagicJohnson #Entrepreneurship #BlackExcellence #BusinessInspiration #CulturalLeadership #BillionaireBlueprint #InnerCitySuccess #AccessToCapital #RepresentationMatters #Starbucks #BusinessClip #BusinessLeadership #LearnFromLegends


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    Why Kelis Left America to Buy a 300 Acre Farm in Kenya & Show Others How to Build Wealth in Africa Jun 05, 2025
    Show notes

    On this powerful episode of Earn Your Leisure, we sit down with Grammy-nominated artist and entrepreneur Kelis, who opens up about her bold decision to leave America and build a new life in Kenya. She shares why she purchased 150 acres of farmland, how she navigated land ownership as a foreigner, and what it really costs to run a profitable farm in Africa.


    Kelis also breaks down her investment strategy in Africa, the benefits of hiring local talent, the mortgage system in Kenya, and her upcoming luxury wellness retreat. From tech innovation to raising children with AI-powered education, this episode is packed with insights on wealth building, sustainability, and why Africa is the future for serious investors.


    Link to Invest Fest: https://investfest.com


    http://FEEDTHEPPL.COM


    #EarnYourLeisure #Kelis #InvestInAfrica #Kenya #FarmingInAfrica #BlackWealth #LandOwnership #SustainableFarming #EYL #Entrepreneurship #WellnessRetreat #AfricaIsNow


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    OpenAI's Bold Move, Apple’s Next Battle & The Future of Tech Jun 03, 2025
    Show notes

    In this insightful clip from Market Mondays, Rashad Bilal, Ian Dunlap, and Troy Millings break down one of the most disruptive tech deals of 2024—OpenAI’s $6.5 billion purchase of Johnny Ive’s design company IO. This landmark acquisition signals a major shift in the race for consumer AI devices and puts the future of Apple, the iPhone, and the wider tech ecosystem in the spotlight.


    The hosts discuss what this means for the tech giants, questioning if the Apple-led era of hardware innovation is waning. Ian Dunlap argues that the “FANG” days are over, and highlights how OpenAI’s move—combining Johnny Ive’s legendary Apple design pedigree with cutting-edge AI—is set to challenge not just Apple, but also the likes of Amazon and Google. Is this the birth of a new artificial intelligence-powered product that could redefine how we interact with technology and make the iPhone obsolete?


    Troy Millings runs through Johnny Ive’s historic impact on Apple, from creating the iMac, iPod, iPhone, iPad and Apple Watch, to reshaping iOS itself. The team reflects on how Apple’s culture might be holding it back from more revolutionary moves, especially as consumer habits begin to shift away from traditional hardware towards integrated AI experiences.


    Rashad Bilal expands on what IO brings to the table: a design firm focused on intuitive, screenless, AI-enabled consumer devices, potentially ushering in an era where everyone has a personal AI assistant for daily tasks and life management. The group ponders whether Apple’s leadership—with Tim Cook at the helm—has lost its innovative edge, and discusses if it’s time for a new vision at the top.


    The conversation also dives into Apple’s global manufacturing strategy amid US-China trade tensions and potential tariffs, and how that could impact Apple’s bottom line and positioning in the international marketplace.


    Highlights include:

    • Detailed analysis of OpenAI’s acquisition of IO and what it means for the future of smart devices
    • A look back at Johnny Ive’s transformative contributions to Apple’s product line
    • The risks and opportunities facing Apple as the tech landscape shifts toward AI
    • Discussion of Apple’s leadership, culture, innovation challenges, and massive cash reserves
    • Insights on US trade policy, tariffs, and the practicalities of moving manufacturing away from China
    • Predictions for both Apple and OpenAI’s future in the global tech hierarchy


    Don’t miss this deep dive into the crossroads between AI, design, and the next wave of technology!


    *Drop your thoughts in the comments: Is Apple falling behind? Can OpenAI and Johnny Ive really reinvent the future of tech?*


    —

    #MarketMondays #OpenAI #Apple #JohnnyIve #AI #TechNews #iPhone #TimCook #ArtificialIntelligence #Microsoft #Design #Innovation #Tariffs #FutureTech #Investing #Stocks


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    Mortgage Rates Surge to 7.5%: Are We Facing a Housing Affordability Crisis? May 31, 2025
    Show notes

    In this insightful clip, Ian Dunlap, Rashad Bilal, and Troy Millings dive deep into the current state of the US housing market as 30-year mortgage rates soar to 7.5%—levels not seen in decades. The conversation kicks off with pressing questions: Are we witnessing the early stages of a housing affordability crisis? What does this mean for homebuyers, sellers, and the broader economy?


    Ian discusses the broader bond market issues, including the recent U.S. Treasury auction struggles and the looming $5 trillion interest payment Americans might face over the next decade. Troy highlights how rising rates, stagnant wages, and mounting personal and institutional debt are making home ownership less attainable, especially for incoming buyers and younger generations. The group also touches on the impact of student loan debt returning from deferment, adding to the financial strains many Americans already face.


    Rashad brings practical advice to the table, sharing his personal experience with a cash-out refinance on an investment property. He breaks down how you can leverage auction properties, increase their value, and use cash-out refi strategies to scale a real estate portfolio, even in today’s high-rate environment. The team also discusses the importance of maintaining good credit and the role of financial education in navigating these challenging times.


    Whether you’re an aspiring homebuyer, a real estate investor, or just trying to make sense of the headlines, this clip offers invaluable perspectives and tips to help you position yourself for success.


    *Key Topics Covered:*

    • The impact of 7.5% mortgage rates on housing affordability
    • Challenges in the bond market and implications for the U.S. economy
    • Supply and demand issues in the housing market
    • The effect of student loan and credit card debt on homeownership
    • Practical strategies for real estate investment, including cash-out refinancing
    • The ongoing need for financial and credit education


    Don’t forget to like, comment, and subscribe for more real-world financial insights!


    *#MortgageRates#HousingCrisis#RealEstateInvesting#CashOutRefi#FinancialEducation#CreditTips#MarketInsights#Homebuyers#InterestRates#PersonalFinance*



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    Exploring Africa’s Hidden Opportunities: Rashad Bilal & Troy Millings Share Rwanda & Kenya Insights May 29, 2025
    Show notes

    In this insightful Market Mondays clip, Rashad Bilal and Troy Millings take you on a powerful journey across Africa as they reflect on their recent travels to Rwanda and Kenya. From attending the NBA Africa League to meeting with influential dignitaries, entrepreneurs, and local citizens, they share firsthand experiences and lessons from the heart of these dynamic countries.


    Discover what makes Rwanda one of the cleanest and safest nations on the continent, boasting remarkable infrastructure, efficient governance, and a welcoming environment for investors and expats alike. Hear about Rwanda’s commitment to sustainability—banning plastic bags and introducing strong environmental policies—and learn how the government works hand-in-hand with private sectors and everyday citizens to drive progress.


    Get inspired as Rashad and Troy recount conversations with local entrepreneurs who urge the diaspora to “trade chains for land” and see Africa as a place teeming with investment potential, community, and prosperity. They also highlight Fatima, an innovative entrepreneur shaping Kigali’s real estate scene, and reveal how young, brilliant minds are addressing the continent’s most pressing needs—like the development of tech hubs creating infrastructure for gig workers.


    The conversation moves beyond economic opportunities as Rashad and Troy discuss the cultural richness, safety, and clean living that Rwanda offers. They also touch on the experiences of American expats who have chosen Africa for its unparalleled opportunities, friendly communities, and peaceful lifestyles.


    Whether you’re curious about African real estate, investment prospects, tech innovation, or lifestyle, this clip offers a rare, on-the-ground perspective from two financial educators and entrepreneurs with global ambitions. Don’t miss out on these invaluable insights on how and why you should consider Africa for your next venture or home.


    🔔 If you want actionable tips, real stories, and a deeper connection to the global economy, make sure you subscribe and turn on notifications!


    *Hashtags:*

    #MarketMondays #AfricaInvestment #Rwanda #Kenya #Entrepreneurship #Diaspora #RealEstate #TechInnovation #CleanEnergy #FinancialFreedom #BusinessTravel #GlobalBusiness #NBAAfrica #EconomicDevelopment #ExpatsInAfrica


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    Trademarks & Copyrights Essentials May 26, 2025
    Show notes

    Welcome back to another enlightening episode of EYL! In today's session, we dive deep into the intricate world of trademarks and copyrights with none other than Rosezena Pierce, affectionately known as "The Biz Lawyer."


    Rosezena sits down with hosts Rashad Bilal and Troy Millings to unravel the mysteries surrounding the differences between trademarks and copyrights, and their importance to entrepreneurs and business owners alike.


    *Key Highlights:*


    1. *Difference Between Trademark and Copyright (0:00:00 - 0:02:05):*

    Rosezena distinguishes between trademarks and copyrights succinctly; while copyrights protect creative expressions fixed in tangible mediums, trademarks serve as source identifiers that consumers can trace back to specific providers of goods or services.


    2. *Ownership of Creative Works (0:02:05 - 0:02:44):*

    A significant revelation for many entrepreneurs—hiring someone to create a logo or artwork does not inherently transfer the ownership of the copyright to the hirer. Rosezena explains that a written transfer of rights is necessary, often through a work for hire agreement.


    3. *Increasing the Value of a Trademark (0:02:44 - 0:04:02):*

    Rosezena emphasizes that the quality of products and services is paramount in enhancing a trademark's value. She provides relatable brand examples, highlighting how strong branding can influence consumer perception and loyalty.


    4. *Process and Timeline for Trademark Registration (0:04:02 - 0:06:58):*

    Troy prompts Rosezena to discuss the detailed process and timeline involved in trademark registration, from performing thorough searches and issuing opinion letters to navigating the extended government review timeline post-COVID. She explains the concept of "publication for opposition" and the potential challenges one might face during the application process.


    *Why EYL Medium:*


    Here at EYL, we're committed to offering you the knowledge and tools to elevate your business and entrepreneurial pursuits. Whether you're just starting out or looking to refine your strategies, our expert guests like Rosezena Pierce provide invaluable insights that can help you navigate the complex business landscape.


    *Be Sure To:*


    • *Like, Comment, and Subscribe:* Hit the like button if you found this episode helpful. Leave your questions and thoughts in the comments section; we love hearing from you! Make sure to subscribe and click the notification bell so you never miss an update.


    • *Check Out Our Other Episodes:* Explore more episodes where we bring in experts from various fields to share their knowledge and experiences.


    *Special Thanks:*

    A huge thank you to Rosezena Pierce for sharing her expertise and providing clarity on such a vital topic. Follow her on Instagram (@TheBizLawyer) and check out her website for more information on her services.


    *Stay Tuned:*

    We have more exciting content lined up, including interviews with industry leaders, exclusive webinars, and much more.


    *Support Our Work:*

    If you'd like to support our channel and help us continue to produce quality content, consider becoming a Patreon member. Your support means the world to us and enables us to keep bringing you invaluable insights and information.


    Thank you for watching, and as always, keep striving for excellence and always "Earn Your Leisure."


    *Hashtags:*

    #EYL #Trademarks #Copyrights #BusinessLaw #Entrepreneurship #RosezenaPierce #TheBizLawyer #EarnYourLeisure #BrandProtection #LegalAdvice #IntellectualProperty


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