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Would you like to inspect the original subtitles? These are the user uploaded subtitles that are being translated: 1 00:00:28,855 --> 00:00:33,735 Economic justice is actually having the opportunity, a real opportunity. 2 00:00:39,275 --> 00:00:40,735 How you create generational wealth. 3 00:00:42,435 --> 00:00:44,775 How do you teach others to create generational wealth? 4 00:00:49,835 --> 00:00:52,975 The racial wealth gap is not a million dollar problem. 5 00:00:53,045 --> 00:00:56,095 It's not a billion dollar problem, it's a trillion dollar problem. 6 00:00:58,685 --> 00:00:59,895 It's been a never ending story. 7 00:01:13,955 --> 00:01:18,495 It is a challenge when you can't put gas in your car. When you can't buy food, 8 00:01:19,035 --> 00:01:21,535 you can't pay your light bill, or you can't pay your rent. 9 00:01:24,285 --> 00:01:26,695 Life is going on, life is happening. You know, 10 00:01:27,315 --> 00:01:30,975 trying to put a bandaid and stop the bleeding on the effects of generational 11 00:01:30,975 --> 00:01:31,808 poverty, 12 00:01:34,405 --> 00:01:38,495 investments and resources that are meant to get to these communities 13 00:01:39,045 --> 00:01:40,335 haven't gotten to 'em. 14 00:01:43,665 --> 00:01:48,615 There has to be economic warriors in the community to create economic 15 00:01:48,615 --> 00:01:52,095 justice. Hey, what's going on man? Everybody, everybody. Good. 16 00:01:53,555 --> 00:01:58,095 My name is Arlo Washington and my purpose in life is to advance 17 00:01:58,195 --> 00:02:03,055 equity, create opportunities, and build the community 18 00:02:14,085 --> 00:02:17,215 Just for the sake of teaching you departing, I want you to do this right here. 19 00:02:17,595 --> 00:02:19,295 Now watch this. Watch this right here. 20 00:02:19,705 --> 00:02:23,255 We'll go a fourth of an inch in fourth of an inch into the eyebrow. 21 00:02:23,645 --> 00:02:26,855 Take the point of your comb, you put it on the scalp, 22 00:02:27,445 --> 00:02:30,495 take the other hand right here and we'll put it back here in the nap area. 23 00:02:30,595 --> 00:02:33,175 And then we'll just take that point of that comb and just keep it on the scalp 24 00:02:33,595 --> 00:02:36,375 all the way till you feel that point with your, with your index finger. 25 00:02:36,375 --> 00:02:37,495 We feel that point with your index finger. 26 00:02:37,495 --> 00:02:40,415 Just slide your finger up to comb that way and pull it out to the side. 27 00:02:40,955 --> 00:02:42,895 That's one side. Alright? So, 28 00:02:42,955 --> 00:02:45,295 but you really want a good straight line so you can always go back and do it 29 00:02:45,295 --> 00:02:45,715 again. 30 00:02:45,715 --> 00:02:48,255 You just need to put a little bit more pressure on the scalp when you're going 31 00:02:48,255 --> 00:02:50,615 through. So I'm gonna take that and clamp that up. Yeah, there we go. 32 00:02:50,615 --> 00:02:52,815 Appreciate that. So for the first couple of weeks, 33 00:02:52,925 --> 00:02:55,655 this all y'all doing six sections. 34 00:02:56,555 --> 00:02:59,685 1, 2, 3, 4, 5, 6. How long it take? 35 00:03:01,035 --> 00:03:03,565 Five minutes. Now you ready to move on to, to something else? 36 00:03:03,905 --> 00:03:05,045 But let me let you try it. 37 00:03:09,755 --> 00:03:13,925 Good job. Good job Mr. LeBron. Good job Hughes. 38 00:03:14,545 --> 00:03:17,325 Use some of the techniques. Yeah, you got that looking smooth. 39 00:03:18,795 --> 00:03:21,285 What we gonna talk about JB, get our foot in the game. 40 00:03:21,505 --> 00:03:25,885 How to get your foot in the game, build your clientele up, learn the business, 41 00:03:26,625 --> 00:03:30,725 get a name for yourself out here and then open your barbershop up. 42 00:03:30,755 --> 00:03:32,285 When I was 20, I opened my first barbershop. 43 00:03:33,205 --> 00:03:36,885 I worked in my partner shop for two years first and built the clientele up 44 00:03:36,885 --> 00:03:40,205 right. So I had about maybe 80, 9,000 people coming to me every week. 45 00:03:40,755 --> 00:03:44,445 Then I opened up the barbershop. But right now, while you in school, 46 00:03:44,745 --> 00:03:49,205 be patient practice, cut as many hits as you can when you leave and go home. 47 00:03:49,545 --> 00:03:53,125 If you got little cousins, you got people in the neighborhood. Cut, cut, 48 00:03:53,745 --> 00:03:56,725 cut as much as you can. 'cause the more you cut, the better you get. 49 00:04:08,905 --> 00:04:11,725 Hey, hey, what's up Bronson? What's going on with I ain't just been busy. 50 00:04:12,305 --> 00:04:14,005 You are you getting for that application. 51 00:04:28,795 --> 00:04:31,125 Good afternoon. Thank you for calling people Trust. How can I help you? 52 00:04:31,435 --> 00:04:33,725 Yeah, is my credit score. It's gonna mess me 53 00:04:33,725 --> 00:04:34,045 Up at 54 00:04:34,045 --> 00:04:36,405 It. No ma'am. We don't base it off. Your credit score. 55 00:04:55,645 --> 00:04:59,245 Trucking, logistics. LLC? Yes sir. This is your plan right here. 56 00:04:59,755 --> 00:05:02,165 Have you got any business funding? You've been doing this all out your pocket? 57 00:05:02,345 --> 00:05:05,605 It just all in my pocket so far. As far as just driving. Yeah, 58 00:05:05,715 --> 00:05:09,405 I've been in business for you 10 years and my dad is a driver as well. 59 00:05:09,915 --> 00:05:13,165 I've cover every corner of the transportation industry, 60 00:05:13,345 --> 00:05:16,565 so I would want to create those jobs for other people. 61 00:05:17,555 --> 00:05:19,605 Tell me what it is that you wanna do. Uh, 62 00:05:19,635 --> 00:05:20,605 Long term, uh, 63 00:05:20,805 --> 00:05:24,285 I would ultimately like to have my own salon or become an instructor. Okay, 64 00:05:24,595 --> 00:05:28,885 Okay. Okay. You've been traveling to your customers? Yes. Like their homes, 65 00:05:29,215 --> 00:05:32,125 their Yes. Oh, okay. Yeah, that ain't, yeah. Yeah. 66 00:05:32,265 --> 00:05:34,405 Do you have any operating capital right now? 67 00:05:35,145 --> 00:05:36,885 Um, fortunately I do not at this time. 68 00:05:37,115 --> 00:05:40,885 Okay. Okay. So you need, so you need gas money, correct? You need, 69 00:05:40,885 --> 00:05:41,845 you need food, money, 70 00:05:42,275 --> 00:05:43,085 Product, 71 00:05:43,085 --> 00:05:44,325 Products and supplies. 72 00:05:44,945 --> 00:05:49,365 Um, and I have a business name. I made my own logo. I've been working. 73 00:05:49,905 --> 00:05:52,285 So we spoke on the phone. You were saying you were interested in the loan? 74 00:05:52,465 --> 00:05:54,765 Yes ma'am. Okay. I'm just gonna get this out. 75 00:05:54,765 --> 00:05:57,485 So tell me about what you're doing with your businesses. 76 00:05:57,865 --> 00:06:00,885 I'm Barbara SI do credit restoration. 77 00:06:01,165 --> 00:06:04,445 I also have a T-shirt and decal line. Okay. 78 00:06:05,105 --> 00:06:08,685 Due to the things that I deal with in life. Mm-Hmm. Such as sickle cell? Mm-Hmm. 79 00:06:08,765 --> 00:06:12,285 Having a pacemaker, having 80% mass in my right breast. 80 00:06:12,655 --> 00:06:16,845 Going to treatment once a week. And then you still run three businesses? 81 00:06:16,905 --> 00:06:18,485 Yes ma'am. I heard that now. 82 00:06:22,825 --> 00:06:26,765 You know, capital is a lifeblood of a community. If the blood ain't circulating, 83 00:06:27,875 --> 00:06:30,085 then you going to have some issues. 84 00:06:30,865 --> 00:06:33,725 So the blood has not been circulating for a long time. 85 00:06:36,065 --> 00:06:39,485 Why is it that we overlook this economically segregated 86 00:06:40,475 --> 00:06:45,245 community? Why is the issue swept under the rug and not talked about? 87 00:07:08,995 --> 00:07:12,045 What do you think and feel when you hear the word ownership? 88 00:07:13,705 --> 00:07:15,405 For me, when I think about ownership, 89 00:07:15,675 --> 00:07:20,485 it's owning my own home so that I'll have something to pass down to 90 00:07:20,545 --> 00:07:21,378 my children. 91 00:07:21,585 --> 00:07:23,485 Nobody in my family own anything. 92 00:07:24,105 --> 00:07:28,885 So ownership is important to me because I want to create jobs and 93 00:07:28,885 --> 00:07:33,205 opportunities for my boys and my little cousins. 94 00:07:33,385 --> 00:07:34,285 And my nephews, 95 00:07:34,705 --> 00:07:38,845 My oldest is 27 and my youngest is seven. Um, and I think about it a lot. 96 00:07:39,025 --> 00:07:43,245 Of course nothing was passed down to me and I don't have anything to pass down 97 00:07:43,245 --> 00:07:44,078 to them. 98 00:07:44,105 --> 00:07:48,125 It just feel good to know that you have something that is yours that nobody can 99 00:07:48,125 --> 00:07:52,765 take away for so long. We haven't had anything that was ours. Yeah. 100 00:07:52,905 --> 00:07:55,845 We damn proud of. You know, when we do own something, 101 00:07:55,845 --> 00:07:59,605 whether it's a Cadillac or a house or a 102 00:07:59,715 --> 00:08:00,435 Boat, 103 00:08:00,435 --> 00:08:04,965 it's the idea of it belonging to you and that you can 104 00:08:05,555 --> 00:08:09,925 self determine what will happen to it without having to ask anyone. 105 00:08:10,785 --> 00:08:12,125 You don't have to ask for permission. 106 00:08:13,465 --> 00:08:13,755 Come 107 00:08:13,755 --> 00:08:14,915 In. Alright, thank you. You doing 108 00:08:15,195 --> 00:08:15,985 Williams? You 109 00:08:15,985 --> 00:08:16,818 Back today? 110 00:08:17,385 --> 00:08:20,435 I've been making Philly cheese steaks in Hogan since I was 16 years old. 111 00:08:20,825 --> 00:08:22,715 I've been in restaurant business for 26 years. 112 00:08:23,375 --> 00:08:24,675 You have a food truck or you 113 00:08:24,895 --> 00:08:26,395 I'm a food truck. Truck. I got food truck. 114 00:08:26,415 --> 00:08:29,595 But my ambition within 12 months is to have a brick and mortar. 115 00:08:29,895 --> 00:08:31,755 So who do you bank with right now? Well, 116 00:08:31,795 --> 00:08:34,395 I and and did you consider them for getting a loan? 117 00:08:35,475 --> 00:08:37,885 They gave me an understanding that they wouldn't owe me any money. Really? 118 00:08:38,275 --> 00:08:39,565 They still want my business. 119 00:08:39,565 --> 00:08:42,525 They still want me to process my credit card payment. 120 00:08:42,675 --> 00:08:46,605 Your business is still making deposits in this bank? Yes. Yes. 121 00:08:46,605 --> 00:08:48,725 That in turn will not make you a loan. 122 00:08:49,065 --> 00:08:49,898 Yes. 123 00:08:50,705 --> 00:08:52,925 The wealth gap has grown tremendously. 124 00:08:53,185 --> 00:08:57,365 The CDFI is a community development financial institution. 125 00:08:57,905 --> 00:09:02,205 All people matter regardless of their credit history. We are not restricted. 126 00:09:02,205 --> 00:09:06,525 So I was at a traditional bank for nine years, sadly. 127 00:09:06,955 --> 00:09:09,565 Bank and while black is, um, a real thing, 128 00:09:10,195 --> 00:09:13,525 they don't necessarily train you to know that. 129 00:09:13,865 --> 00:09:18,765 But once you get in there and you actually see that the person coming 130 00:09:18,825 --> 00:09:21,925 in, if they're white, they're gonna offer them credit cards, 131 00:09:21,995 --> 00:09:26,965 they're gonna offer them loans, financing, you know, all of those. 132 00:09:27,225 --> 00:09:30,965 But you come in, you're black. It's no services offered. 133 00:09:31,985 --> 00:09:35,605 Um, sometimes the interaction with the teller, it is, you know, 134 00:09:35,605 --> 00:09:38,885 you can see the difference in how they treat you. Uh, so I just don't, 135 00:09:39,005 --> 00:09:39,845 I just don't use banks 136 00:09:40,195 --> 00:09:42,485 Banking while black does exist, 137 00:09:43,035 --> 00:09:47,165 banking while black driving while black eating while black, 138 00:09:47,475 --> 00:09:50,285 your waiter or your waitress can treat you differently. I mean, 139 00:09:50,285 --> 00:09:53,405 there is just so many things. It's crazy. 140 00:09:53,665 --> 00:09:55,805 The the things that black people have to deal with. 141 00:09:56,065 --> 00:09:58,085 It becomes an experience that you just, 142 00:09:58,545 --> 00:10:02,285 you try to avoid the disappointment of it. 143 00:10:02,785 --> 00:10:04,925 And rather than go through the frustration, 144 00:10:07,935 --> 00:10:10,555 you, you work around it. It's a workaround. 145 00:10:14,375 --> 00:10:18,355 Big banks, they don't know the community. They don't know 'em, 146 00:10:18,665 --> 00:10:19,915 they don't have a relationship. 147 00:10:20,335 --> 00:10:23,475 You know, and you want to be able to be sustainable and you wanna be profitable. 148 00:10:23,475 --> 00:10:24,635 Exactly. And you wanna be scalable. 149 00:10:24,895 --> 00:10:28,435 But we just want you to think about every aspect. Yeah. All. Okay. 150 00:10:28,435 --> 00:10:29,755 And best position yourself. 151 00:10:30,145 --> 00:10:34,475 This helps you to really build your credit profile so we can provide you with 152 00:10:34,475 --> 00:10:37,355 some ongoing technical assistance to kind of help you along the way. 153 00:10:38,375 --> 00:10:42,435 We got the name People trust because trust in the financial system is just not 154 00:10:42,435 --> 00:10:43,268 there. 155 00:10:43,735 --> 00:10:48,515 My goal is to restore the trust and a system that may 156 00:10:48,515 --> 00:10:53,155 have not been built for you. So we try to see what's the problem, 157 00:10:54,455 --> 00:10:56,435 how can we help? We find a way. 158 00:10:56,905 --> 00:10:58,995 I've always wanted to own my own business. 159 00:11:00,115 --> 00:11:02,715 I hear it so much. If you, if I, if you could just gimme a chance, 160 00:11:02,745 --> 00:11:03,635 just gimme a chance 161 00:11:05,495 --> 00:11:10,315 to prove that I'm trustworthy, that I'm, 162 00:11:10,315 --> 00:11:13,835 that I'm credit worthy, that I can run, I can, I can, 163 00:11:13,875 --> 00:11:15,515 I can run this business successfully. 164 00:11:18,245 --> 00:11:20,875 Y'all ready? All right. 165 00:11:20,935 --> 00:11:25,935 1, 2, 3, 4, 5, 6, 7 166 00:11:43,745 --> 00:11:48,355 Uhuh. That should be a backing. She knew. She knew. Come on, let's go to one. 167 00:11:51,755 --> 00:11:53,850 Historically barbers have been the go-to, in the community, 168 00:11:54,505 --> 00:11:58,085 one of the oldest and most prestigious professions. They were the doctors. 169 00:11:58,915 --> 00:12:01,365 They did the bloodletting, they did the tooth pulling. They did the, 170 00:12:01,365 --> 00:12:02,198 they were the priest. 171 00:12:03,625 --> 00:12:08,485 One customer lost his job and he had been a faithful customer coming all 172 00:12:08,485 --> 00:12:12,885 the time. I mean, bringing his family, his kids, everybody, you know, he said, 173 00:12:12,885 --> 00:12:14,205 Mr. Washington, he said, uh, 174 00:12:15,745 --> 00:12:19,405 I'm down really bad and I need to borrow $150. 175 00:12:20,835 --> 00:12:22,725 I've been a barber in the community for over 20 years. 176 00:12:23,625 --> 00:12:25,645 So when the community start hurting, what do you think they gonna come to? 177 00:12:25,645 --> 00:12:28,085 They came to the people that they can come to for help. He said, I, 178 00:12:28,145 --> 00:12:31,565 I'm getting a job and I can pay you back in 30 days. 179 00:12:32,785 --> 00:12:35,285 So I made him a loan. You know, 180 00:12:35,445 --> 00:12:37,765 I didn't think he was gonna pay it back when I gave him the loan at the time. 181 00:12:38,425 --> 00:12:39,965 But he came back and he paid it back. 182 00:12:40,905 --> 00:12:45,845 And a couple weeks later he came back again. Guess what he did? He paid me back. 183 00:12:46,065 --> 00:12:49,405 So I made him another loan and he paid that loan back. 184 00:12:50,425 --> 00:12:51,605 So then we started thinking about, 185 00:12:51,605 --> 00:12:55,725 well how can these small loans at that size really have an impact? 186 00:12:56,465 --> 00:12:59,765 If they don't have credit, then they can't get a loan from a bank. 187 00:13:00,755 --> 00:13:04,445 That means they have to go to a loan shark or they have to go to some payday 188 00:13:04,445 --> 00:13:07,525 lender that's going to never let 'em pay 'em off. 189 00:13:08,145 --> 00:13:09,845 And I thought about it and I said, wait a minute. 190 00:13:10,475 --> 00:13:12,245 This is what's affecting my community. 191 00:13:17,475 --> 00:13:20,415 So you see how it built up now, man, we in service like 2020, 192 00:13:20,415 --> 00:13:21,535 we serving 900 folks. 193 00:13:22,555 --> 00:13:27,335 And so what we did was we applied to become a community development financial 194 00:13:27,335 --> 00:13:28,168 institution, 195 00:13:29,025 --> 00:13:33,935 which was put in place to be able to help low and 196 00:13:34,055 --> 00:13:38,255 moderate income communities that wouldn't otherwise receive the opportunity. 197 00:13:40,755 --> 00:13:41,855 Let him down and let him go. 198 00:13:49,315 --> 00:13:50,148 Come on in, 199 00:13:51,265 --> 00:13:55,765 In April of this year, my house caught a fire. So, you know, 200 00:13:56,765 --> 00:13:58,245 I was pushed out. Mm-Hmm. 201 00:13:59,325 --> 00:14:03,205 I was calling to inquire about your, uh, rental assistance. 202 00:14:03,625 --> 00:14:07,725 You're behind on rent now. I forgot your name. Give me your name again. 203 00:14:08,205 --> 00:14:11,005 Cece Ford. Okay. Cancer Survivor. Yeah. 204 00:14:11,475 --> 00:14:14,245 Unfortunately it's just a one time deal. 205 00:14:14,845 --> 00:14:18,485 I believe we're the only rapid rehousing that is in central Arkansas. 206 00:14:18,785 --> 00:14:21,565 How much does it cost you to, to live every month? 207 00:14:22,165 --> 00:14:23,165 I don't know. 'cause I ain't 208 00:14:23,165 --> 00:14:23,998 Never been on my own. 209 00:14:24,075 --> 00:14:26,805 Okay. Have you been looking around? Yeah, I don't, 210 00:14:27,325 --> 00:14:29,965 I had a landlord in today and I asked him, he doesn't have anything. 211 00:14:30,585 --> 00:14:31,335 And when you move, 212 00:14:31,335 --> 00:14:34,965 we'll pay the security deposit and your first three months rent. 213 00:14:45,375 --> 00:14:46,405 Let's talk about a budget. 214 00:14:47,615 --> 00:14:49,125 How's the job looking any? 215 00:14:49,675 --> 00:14:50,685 Well, uh, just, 216 00:14:50,825 --> 00:14:52,205 It is really that I'm, 217 00:14:52,595 --> 00:14:56,005 it's hard because I don't have nowhere to shower and stuff. Right? 218 00:14:56,515 --> 00:14:58,125 That is one thing about Little Rock. 219 00:14:58,475 --> 00:15:02,325 There's just really not a lot of affordable housing. 220 00:15:02,755 --> 00:15:04,085 There's a huge housing need. 221 00:15:04,495 --> 00:15:07,405 Right? There's just too many people waiting for help. 222 00:15:09,785 --> 00:15:11,925 You're four months behind. But did she tell you the balance? 223 00:15:12,995 --> 00:15:15,725 This is a grant, just an emergency grant. As I heard you say, 224 00:15:15,725 --> 00:15:18,565 you didn't have any clothes, you didn't have any transportation. You, you know, 225 00:15:18,905 --> 00:15:20,485 if everything burnt up for 226 00:15:20,805 --> 00:15:23,605 17 days in a hotel, man, 227 00:15:25,295 --> 00:15:28,565 There you go. How much is the weekly rent? 228 00:15:29,465 --> 00:15:31,965 The weekly rent Uhhuh. It's not weekly. 229 00:15:32,145 --> 00:15:34,845 She was just gonna charge me like 5 25 a month. 230 00:15:35,585 --> 00:15:37,885 My mother, she, she passed away with cancer. And uh, 231 00:15:38,465 --> 00:15:41,565 so I'm just thinking if since you, you know, in that situation, 232 00:15:41,565 --> 00:15:44,045 maybe if we was able to do, you know, maybe a, 233 00:15:44,445 --> 00:15:47,645 a grant for a month that'd give you time to find a place. 234 00:15:48,505 --> 00:15:49,338 How you think that works? 235 00:15:49,775 --> 00:15:50,485 It'll help me a lot. 236 00:15:50,485 --> 00:15:52,885 I think that'll help. What you think. 237 00:15:53,255 --> 00:15:54,165 It'll help me a lot. 238 00:15:58,795 --> 00:16:02,965 Most of the time it's state of emergency, but I needed help. Like yesterday, 239 00:16:06,945 --> 00:16:09,245 we had never got the 40 acres in the mule that was promised. 240 00:16:09,665 --> 00:16:14,365 That's like the big elephant in the room. This was promised to you. 241 00:16:15,265 --> 00:16:18,485 You never got it. Nobody never talked about it. 242 00:16:19,105 --> 00:16:23,165 It didn't come up in any type of other political discussions. 243 00:16:24,505 --> 00:16:26,445 And the fallout is what we see. 244 00:16:27,125 --> 00:16:30,165 A huge racial wealth gap. 245 00:16:31,205 --> 00:16:36,165 Economic injustices. Um, and no, 246 00:16:36,385 --> 00:16:38,685 no, not really an end to it in sight. 247 00:16:43,705 --> 00:16:46,925 Up here in Little Rock, there is a physical divide. 248 00:16:48,555 --> 00:16:51,205 Have on one side, have not on the other. 249 00:16:53,315 --> 00:16:56,245 It's not a wealth gap, it's a wealth chasm. 250 00:17:00,605 --> 00:17:02,605 I six 30, the great divide. 251 00:17:10,055 --> 00:17:12,405 How's it going man? You ready to ride? 252 00:17:14,465 --> 00:17:18,485 You know when we cross I six 30, you can tell a big 253 00:17:19,935 --> 00:17:20,605 Difference. 254 00:17:20,605 --> 00:17:23,805 This neighborhood is the heart of the black community. 255 00:17:24,695 --> 00:17:25,845 There are no banks over here. 256 00:17:25,845 --> 00:17:28,645 And you got about 30,000 community members over here. Mm-Hmm. 257 00:17:28,725 --> 00:17:30,645 You'd be hard pressed to find an ATM. 258 00:17:32,195 --> 00:17:36,525 That community has been economically segregated. 259 00:17:38,555 --> 00:17:40,205 Look at this. We got four, 260 00:17:41,355 --> 00:17:44,085 five boarded up houses on this little half a block. 261 00:17:48,545 --> 00:17:50,085 So we crossed I six 30 262 00:17:51,705 --> 00:17:54,365 and now we're going into the heights. 263 00:17:57,215 --> 00:18:00,915 And in the heights are maybe 8,000 in population. 264 00:18:01,535 --> 00:18:02,795 But you got 14 banks 265 00:18:05,175 --> 00:18:08,595 and you don't see a boarded of house. Not one. 266 00:18:10,145 --> 00:18:13,995 Well you have commerce here. You have places where business can't exist. 267 00:18:14,695 --> 00:18:18,435 You don't see that on the other side of town. You know, 268 00:18:18,435 --> 00:18:23,355 then of course you have redlining where banks would not make money accessible to 269 00:18:23,355 --> 00:18:24,875 people who lived in certain areas. 270 00:18:25,775 --> 00:18:29,515 And oftentimes those certain areas where areas where black folks live 271 00:18:32,585 --> 00:18:36,115 this phenomenon of building interstates through black communities 272 00:18:37,695 --> 00:18:41,195 and they bring about destruction. 273 00:18:45,895 --> 00:18:48,695 I am gonna take you and show you our new location where we opening up. Alright, 274 00:18:48,915 --> 00:18:49,815 that's red line. 275 00:18:53,625 --> 00:18:58,355 This is the first financial institution ever in this community. And so 276 00:18:58,935 --> 00:18:59,768 It looks good too. 277 00:18:59,805 --> 00:19:01,515 Thank you. We've been working hard. 278 00:19:05,875 --> 00:19:08,575 Do you believe in the American dream? What is the American dream? 279 00:19:09,115 --> 00:19:10,535 You tell me and we'll both know. 280 00:19:11,835 --> 00:19:14,975 Uh, I was told this growing up, you work hard, 281 00:19:14,995 --> 00:19:18,255 you do what you're supposed to do and you'll achieve your goal. Right. 282 00:19:19,355 --> 00:19:23,975 And in essence, you, that's supposed to be true. 283 00:19:26,995 --> 00:19:31,815 But I have to say that I've sat at the table in front of my children and 284 00:19:31,815 --> 00:19:33,975 said, as much as this is supposed to be true, 285 00:19:34,915 --> 00:19:38,455 it is still possible that that may not happen for you. 286 00:19:39,115 --> 00:19:39,948 Uh, 287 00:19:40,845 --> 00:19:45,295 nice house cars family taken care of, uh, 288 00:19:46,365 --> 00:19:51,295 bill free. Well, no, I'm just out here surviving. 289 00:19:51,475 --> 00:19:54,215 I'm just trying to make a way. So I couldn't, 290 00:19:54,335 --> 00:19:58,135 I couldn't just elaborate what the American dream as. I wouldn't know. 291 00:20:07,505 --> 00:20:12,495 There was a time in my life early on when I wanted to fix 292 00:20:12,925 --> 00:20:16,935 what my mother was going through, trying to take care of me. 293 00:20:18,075 --> 00:20:22,535 She had me when she was 16 years old, had to drop outta school, get AGED. 294 00:20:25,675 --> 00:20:29,095 So when I was born, I was brought home to this house. 295 00:20:30,515 --> 00:20:35,335 And um, my grandmother was a single parent with 16 kids in the house. 296 00:20:36,035 --> 00:20:40,935 And now my mother at 16 was bringing home another addition 297 00:20:40,935 --> 00:20:45,255 to the family. You know, watching my mother, 298 00:20:45,835 --> 00:20:50,765 uh, early in my life and watching the sacrifices that she made for, 299 00:20:51,465 --> 00:20:52,765 you know, folks in the neighborhood. 300 00:20:53,425 --> 00:20:57,685 She wanted to be an inspiration to the folks that lived in the housing projects 301 00:20:57,685 --> 00:20:59,325 to let them know that they didn't have to stay there. 302 00:21:02,755 --> 00:21:07,205 This is where my mother was eulogized. She had cervical cancer 303 00:21:08,945 --> 00:21:11,485 two weeks before I graduated high school. My mother passed away. 304 00:21:11,665 --> 00:21:15,925 She didn't see me walk. Um, that was, 305 00:21:16,355 --> 00:21:20,725 that was tough. I felt, I felt lost. That left me lost. Feeling lost. 306 00:21:22,275 --> 00:21:25,645 Okay. What do I do now? You know, I have two younger sisters. 307 00:21:27,015 --> 00:21:28,165 Where do I go from here? 308 00:21:32,575 --> 00:21:33,055 Hello. 309 00:21:33,055 --> 00:21:34,925 Hello. Doing, how are you? I'm 310 00:21:34,925 --> 00:21:36,485 Good. How are you? I have an eighth month old. 311 00:21:36,755 --> 00:21:39,005 Like you can't be without no lights. I 312 00:21:39,005 --> 00:21:40,645 Think the first thing is to get you off the streets. 313 00:21:41,335 --> 00:21:45,165 We're gonna do you emergency grant. Let's do a $1,500 grant. 314 00:21:45,675 --> 00:21:48,045 This is a new beginning. You know what I'm saying? 315 00:21:48,405 --> 00:21:52,725 I kind of adopted some of the mission that she had that she didn't get a chance 316 00:21:52,725 --> 00:21:55,845 to live out. You understand? Thank you. Yeah, absolutely. Thank you very 317 00:21:55,845 --> 00:21:56,805 Much. I appreciate you. 318 00:21:58,745 --> 00:22:01,085 It fell on me to carry the torch. Torch. 319 00:22:07,825 --> 00:22:12,805 My mother provided such a great example of being of humanity 320 00:22:12,865 --> 00:22:17,845 and having compassion and understanding that life circumstances 321 00:22:17,865 --> 00:22:22,565 happen and when they happen, that people need compassion. 322 00:22:22,825 --> 00:22:27,285 People need restoration. People need rehabilitation. People need love. 323 00:22:35,925 --> 00:22:40,775 I want you and I want you to stand up for a 324 00:22:40,775 --> 00:22:41,608 second. 325 00:22:42,955 --> 00:22:46,215 I'm gonna show you something right now that we don't hardly ever do. 326 00:22:46,595 --> 00:22:48,615 But I want you to, for two minutes, 327 00:22:50,035 --> 00:22:53,985 I want you to look at him in his eyes and I want you to be with him. 328 00:22:54,285 --> 00:22:58,735 And I want you to be with him for two minutes. Alright? Come closer. 329 00:22:58,745 --> 00:23:00,895 Right here. Now don't look off 330 00:23:05,335 --> 00:23:06,665 when you look in those eyes, 331 00:23:09,675 --> 00:23:10,745 think about your kids. 332 00:23:13,415 --> 00:23:14,885 Think about your loved ones. 333 00:23:16,765 --> 00:23:20,645 Think about the setbacks and the wins. 334 00:23:22,425 --> 00:23:26,005 All the hard lessons and just see all the hurt. 335 00:23:27,065 --> 00:23:30,835 See all the pain. Be with him right now. 336 00:23:35,015 --> 00:23:39,045 Time. It's all, it's all right. 337 00:23:40,195 --> 00:23:41,885 Alright. It's all right. 338 00:23:49,495 --> 00:23:50,328 Sorry. 339 00:23:54,525 --> 00:23:57,365 I seen my big brother. My I ain't seen cell. I was 12 years old. 340 00:23:57,585 --> 00:23:58,418 Mm-Hmm. 341 00:23:59,835 --> 00:24:00,075 I, 342 00:24:00,075 --> 00:24:05,035 I say a lot. Tell a whole story, you know, and that was uncomfortable for them. 343 00:24:05,435 --> 00:24:07,035 I know it was 'cause I'd done it before. 344 00:24:07,935 --> 00:24:09,675 But that's an exercise that will help you. 345 00:24:09,675 --> 00:24:12,755 If you're somebody that's introvert and you're somebody that's, uh, 346 00:24:12,825 --> 00:24:15,755 kind of in a shell and help you be more assertive and help you to be more, 347 00:24:15,935 --> 00:24:18,875 you know, understanding to what other people are going through. 348 00:24:22,775 --> 00:24:26,995 You went to prison and when you went to prison, what did that mean? 349 00:24:28,415 --> 00:24:30,075 10 years of my life. I mean, 350 00:24:30,215 --> 00:24:31,115 And where'd that leave you? 351 00:24:31,925 --> 00:24:32,758 Right? 352 00:24:33,985 --> 00:24:38,915 Lost. So, 353 00:24:38,935 --> 00:24:43,635 you know, when you secluded from the world for that amount of time, man, you, 354 00:24:43,655 --> 00:24:44,515 you can come behind. 355 00:24:46,665 --> 00:24:50,275 Okay. You 28, 27. Now what you going to do? 356 00:24:50,825 --> 00:24:52,955 There's a black man. No, we not, 357 00:24:53,655 --> 00:24:58,275 we not offered opportunities, especially after times that, 358 00:24:58,575 --> 00:25:01,195 you know, we made a messed up or made a mistake in our life. 359 00:25:03,575 --> 00:25:06,235 So it's like now, okay, I gotta do something. 360 00:25:07,315 --> 00:25:10,715 I always could cut hair, you know? But I just never thought, man, 361 00:25:10,715 --> 00:25:14,835 maybe I should go to school. I went in and rode to Washington Barber College. 362 00:25:15,355 --> 00:25:19,715 I learned so much. Just things that, you know, 363 00:25:19,715 --> 00:25:23,195 things that you need to know, sharpen yourself up to be successful. 364 00:25:25,795 --> 00:25:28,395 I did seven years in prison, seven years, five months, 365 00:25:28,415 --> 00:25:33,195 six days to be exact on a 30 year sentence. And I sit before you right now, 366 00:25:33,195 --> 00:25:35,915 16 years later and I'm still not free. 367 00:25:37,675 --> 00:25:38,035 I 368 00:25:38,035 --> 00:25:41,075 Was homeless three times. Mm. From when, when I got outta prison, 369 00:25:41,395 --> 00:25:45,235 I was homeless three times. I, I went on to the shelters. Yeah. 370 00:25:45,455 --> 00:25:48,275 Did what I needed to do. Mm-Hmm. Saved my money up, got out. 371 00:25:48,975 --> 00:25:53,515 But my crime does not make me an eternal 372 00:25:53,955 --> 00:25:54,788 criminal. Right. 373 00:25:55,525 --> 00:26:00,475 Three of our barbers that were formerly incarcerated and they were just each 374 00:26:00,475 --> 00:26:04,475 sharing the trauma that they experienced. Mm-Hmm. Uh, while being there and how, 375 00:26:04,815 --> 00:26:07,835 you know, to be out, it's a huge adjustment. 376 00:26:08,015 --> 00:26:11,515 So on day one, if you have nothing, you ain't got a tooth, press on toothpaste, 377 00:26:12,055 --> 00:26:15,915 all of those essential things, you right back at stress one. 378 00:26:16,125 --> 00:26:19,555 Right after they get out, they call me within 72 hours, 379 00:26:20,375 --> 00:26:25,155 I'm able to send their name, their release dates, uh, 380 00:26:25,175 --> 00:26:26,555 and how much time they did. 381 00:26:27,215 --> 00:26:32,195 And then I just email everything over and people trust contacts them and 382 00:26:32,945 --> 00:26:35,635 they go pick up a $325 grant. 383 00:26:35,645 --> 00:26:39,755 Which I think is so great because coming out of, uh, any system, 384 00:26:39,885 --> 00:26:42,195 especially the jail system, you don't come out with any money. 385 00:26:42,695 --> 00:26:44,725 You Arlo have made it possible. 386 00:26:45,265 --> 00:26:49,365 You are looking at everything from the perspective of 387 00:26:49,955 --> 00:26:50,788 inclusion. 388 00:26:51,365 --> 00:26:52,165 Absolutely. 389 00:26:52,165 --> 00:26:56,805 Absolutely. See where for so many years, uh, I and so many, 390 00:26:57,665 --> 00:27:01,365 uh, have saw only exclusion. 391 00:27:01,595 --> 00:27:04,325 It's truly community development. And that's developing. 392 00:27:04,325 --> 00:27:06,525 You can't develop a community if you don't develop the people. 393 00:27:06,715 --> 00:27:07,548 Exactly. 394 00:27:08,745 --> 00:27:12,765 The reason I do what I do and the what gives me energy to keep going 395 00:27:13,585 --> 00:27:18,085 is equity, equity, equity, equity. So that means if, uh, the way it is over, 396 00:27:18,705 --> 00:27:20,125 you know, on this side of town, 397 00:27:20,155 --> 00:27:22,645 it's on this side of the freeway is this way over here as well. 398 00:27:23,785 --> 00:27:26,085 The resources that's over here, the resources over there, 399 00:27:27,265 --> 00:27:31,405 the banks that's over here, banks over here, money over here, money over there, 400 00:27:31,625 --> 00:27:33,165 credit over here, credit over there. 401 00:27:37,345 --> 00:27:38,765 How you doing? Alright. 402 00:27:41,305 --> 00:27:42,925 You don't do any body work do you? 403 00:27:43,265 --> 00:27:45,125 Little bit. Little bit. Not a whole bunch. 404 00:27:46,865 --> 00:27:47,085 How 405 00:27:47,085 --> 00:27:48,085 Long you been wanting to do this? 406 00:27:48,715 --> 00:27:51,805 Been in the automotive business for 20, 25 years. 407 00:27:52,235 --> 00:27:54,565 Running the jet lube for the last five. 408 00:27:55,025 --> 00:28:00,005 But the owner came and told 409 00:28:00,005 --> 00:28:01,725 him, told me he was selling a business. 410 00:28:02,505 --> 00:28:05,765 So when they let you go, you know, you had to, 411 00:28:05,785 --> 00:28:09,165 you had to think quick on your feet. What am I gonna do now? Yeah. 412 00:28:09,665 --> 00:28:14,565 And I needed to open up new avenues and the biggest one and being able to 413 00:28:14,565 --> 00:28:16,165 get this loan to get started. 414 00:28:16,415 --> 00:28:18,845 Y'all give it up for Lynn Cola Franklin, 415 00:28:22,615 --> 00:28:27,045 While you were in the program, you accessed, uh, 3,500 small business loan. 416 00:28:27,305 --> 00:28:30,045 So maybe if we could extend that. Mm-Hmm. 417 00:28:30,385 --> 00:28:33,245 So if we extend the 3,500 that we already gave you Mm-Hmm. 418 00:28:33,325 --> 00:28:35,965 To up to 10,000 and we do it for two years, 419 00:28:35,965 --> 00:28:38,165 your payments be at like 4 52 a month. 420 00:28:38,745 --> 00:28:41,245 How soon would you, would you need before you start making payments? 421 00:28:41,885 --> 00:28:44,325 I would say a couple months just to get me 422 00:28:44,325 --> 00:28:47,965 Going. So maybe we deferred your payments for 90 days. That'll help you to 423 00:28:47,975 --> 00:28:50,005 Definitely. I appreciate that. Alright, cool. 424 00:28:51,505 --> 00:28:54,965 My clientele is building Mr. Washington. 425 00:28:55,385 --> 00:28:58,725 He seen what my future may look like and I'm, you know, 426 00:28:58,725 --> 00:29:00,605 forever grateful for him believing in me. 427 00:29:02,105 --> 00:29:02,938 As of today, 428 00:29:03,585 --> 00:29:07,165 you doing business says incredible auto earn $50,000. 429 00:29:09,505 --> 00:29:11,805 So you gotta a lease go on. Ready? Yes. You 430 00:29:11,805 --> 00:29:13,205 Talk to this is the hill outside. 431 00:29:14,215 --> 00:29:15,325 About how many square foot is 432 00:29:15,325 --> 00:29:16,285 That? 5,000. 433 00:29:17,875 --> 00:29:18,708 It's nice. 434 00:29:20,595 --> 00:29:24,445 It's like my dream of finally becoming a business owner and not having to work 435 00:29:24,465 --> 00:29:26,965 for anybody else again. 436 00:29:28,045 --> 00:29:32,325 I work for myself now. Thank y'all. 437 00:29:32,405 --> 00:29:33,885 I really want to shed some tears and, 438 00:29:34,065 --> 00:29:37,525 and I don't have to worry about somebody selling a business and somebody coming 439 00:29:37,545 --> 00:29:38,925 in and telling me, Hey, 440 00:29:39,305 --> 00:29:43,985 we don't want to continue with you anymore here. I'm three months later. 441 00:29:46,055 --> 00:29:48,225 When you invest in something that you love to do, 442 00:29:49,125 --> 00:29:50,505 it makes everything a lot easier. 443 00:30:10,365 --> 00:30:14,065 We felt like that if we could redevelop and change this corner, 444 00:30:14,895 --> 00:30:17,425 that it would help turn the neighborhood. 445 00:30:18,415 --> 00:30:22,825 Once they can put funds here and deposits, 446 00:30:23,495 --> 00:30:28,185 then we're not going to allow the money to go outside of this community. 447 00:30:28,185 --> 00:30:30,465 We're going to put the money back into the community 448 00:30:32,125 --> 00:30:36,385 And it's gonna scare some people. It's going to scare the hell out of 'em. 449 00:30:37,255 --> 00:30:41,945 Because now you, you can see that it can be done. 450 00:30:42,405 --> 00:30:43,745 So you have no more excuses. 451 00:30:45,395 --> 00:30:50,145 Those institutions that are in place right now are not going to 452 00:30:50,215 --> 00:30:51,048 idly sit back. 453 00:30:51,325 --> 00:30:53,865 You don't think they, they don't care about this? Yes, 454 00:30:53,865 --> 00:30:57,465 They do. Because if this catches on, 455 00:30:59,375 --> 00:31:00,865 it's a, it becomes a threat. 456 00:31:01,685 --> 00:31:03,225 You really believe that. Mark 457 00:31:03,245 --> 00:31:03,935 My word. 458 00:31:03,935 --> 00:31:08,625 Because it will 'cause it can inspire others to think that they can 459 00:31:09,165 --> 00:31:12,545 be free. This is about being free. 460 00:31:20,185 --> 00:31:22,185 Economic justice is, is right. 461 00:31:22,185 --> 00:31:26,945 And wrongs fixing the system. You know, 462 00:31:26,945 --> 00:31:28,745 some type of repayment for injustice. 463 00:31:33,025 --> 00:31:36,545 A tree is known by the fruit that it bears. So if I don't see any fruit, 464 00:31:37,335 --> 00:31:39,785 then I don't see any impact. 465 00:31:40,485 --> 00:31:44,185 So if you have money and you have wealth and you can't create impact, 466 00:31:45,165 --> 00:31:45,998 what's the point? 467 00:31:47,135 --> 00:31:51,505 What is justice? What does it mean for me? 468 00:31:51,615 --> 00:31:53,785 What does it mean for people of color? 469 00:31:54,495 --> 00:31:55,325 Justice 470 00:31:55,325 --> 00:31:58,505 Is just not quite yet available for everybody. 471 00:31:59,015 --> 00:32:01,945 Justice. Justice. 472 00:32:02,735 --> 00:32:04,425 It's just being a black man in this world. 473 00:32:07,235 --> 00:32:07,585 Ain't 474 00:32:07,585 --> 00:32:08,418 Good luck. 475 00:32:08,735 --> 00:32:09,445 Justice 476 00:32:09,445 --> 00:32:12,265 Is something that we need, but that's what we're fighting for 477 00:32:12,755 --> 00:32:17,265 Right now. Today. I can, I can look at justice as empowerment. 478 00:32:17,655 --> 00:32:21,105 Just doing what's right and being fair. 479 00:32:25,365 --> 00:32:25,585 You 480 00:32:25,585 --> 00:32:26,985 Ever heard that phrase, get your money right? 481 00:32:27,945 --> 00:32:29,585 I gotta help the community get their money. Right. 482 00:32:30,325 --> 00:32:31,705 The community has to get the money right. 483 00:32:31,765 --> 00:32:34,145 And this is an opportunity to get the money right. 484 00:32:36,275 --> 00:32:39,365 So I'm on a mission and it ain't over. 485 00:32:44,565 --> 00:32:45,375 It's just begun. 40364

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