Earn Your Leisure

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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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January 29 · 9 min
Top Biotech Investment Picks & How AI is Transforming Healthcare
In this Market Mondays clip, Rashad Bilal, Ian Dunlap, and Troy Millings’ dive into the incredible intersection of biotech and artificial intelligence, sharing insights from a recent conversation with Nvidia’s team and breaking down the hottest sectors in healthcare innovation. Discover why Nvidia is more than just a chip maker, how advancements in AI are revolutionizing everything from hospital visits to genomics, and which bNasech stocks and ETFs are topping their watchlists for long-term growth. Ian Dunlap shares why Nvidia is the “BlackRock of AI,” highlighting the company’s massive investments and unique partnerships that are set to change medicine as we know it. Get his top three biotech picks: IBB ETF, Gilead Sciences, and Amgen—plus find out why Amgen stands out as one of the best-run companies in the biotech space. Troy Millings’ offers an alternative trio of biotech leaders, focusing on companies that dominate niche areas: Eli Lilly (Lily), Biogen (BiIB), and Vertex Pharmaceuticals (VRTX). He explains the value of investing in firms that are laser-focused on solving specific medical challenges—like Biogen’s advancements in neurodegenerative drugs for Alzheimer’s and Parkinson’s and Vertex’s leadership in cystic fibrosis care. The discussion also dives into how AI has dramatically reduced timeframes in medical research—think genome sequencing dropping from years to hours—and what this could mean for the future of healthcare innovation and investing. Get insider stories from Rashad Bilal and Troy Millings’ about their dinner with Nas and Peter, who both value learning as the pathway to staying ahead—even when you’re already a legend. Their takeaway: Never take this high-level information for granted and always be ready to soak up what the experts are sharing. Whether you’re interested in AI, biotech innovation, or simply want actionable investment ideas, this clip is packed with value and market insights that you don’t want to miss! **Hashtags:** #MarketMondays #Biotech #Investing #AI #Nvidia #HealthcareInnovation #Stocks #Gilead #Amgen #VertexPharmaceuticals #Biogen #EliLilly #StockMarket #Nas #Technology #Genomics #MedicalAdvancements See omnystudio.com/listener for privacy information.
January 27 · 8 min
Vic Mensa Says The Division Between Black Americans And Africans Is Manufactured
In this powerful clip from Market Mondays, Vic Mensa joins Rashad Bilal for a candid discussion that dives deep into identity, unity, and the divisive narratives that have shaped perceptions among Black Americans and Africans. Vic Mensa shares his personal story of being mixed race—his father from Ghana and his mother from America—and addresses the complexities and sensitivities surrounding his background. The conversation shines a spotlight on the manufactured divisions between Black American and Black African communities, which Vic Mensa argues are perpetuated to prevent collective empowerment. He credits Black Americans with creating the most influential culture globally, and points out the economic and population growth on the African continent, emphasizing the transformative potential if both groups unite. Vic Mensa challenges the anti-African narrative often found online and calls attention to similar misunderstandings pushed by some Africans about their Black American counterparts. Together, he and Rashad Bilal unpack the harmful stereotypes spread by media, confronting issues that impact identity, history, and self-worth within both communities. The clip ends with a heartfelt appeal for unity, stressing that true freedom and advancement can only be achieved when Black Americans and Africans come together—recognizing their collective strength and shared heritage. Tune in for an honest conversation that pushes past division and encourages us all toward unity, empowerment, and cultural pride. **Hashtags:** #VicMensa #MarketMondays #BlackUnity #FBA #AfricanDiaspora #BlackCulture #Identity #MediaNarrative #RashadBilal #Ghana #BlackHistory #AfricanEmpowerment #Unity #HiddenColors #Empowerment #CultureClip See omnystudio.com/listener for privacy information.
January 25 · 8 min
Down Stocks to Think About Buying Right Now
In this Market Mondays clip, Rashad Bilal, Ian Dunlap, and Troy Millings dive deep into the world of "downward stocks," discussing some of the most prominent tech giants currently facing stock declines. The conversation kicks off with Rashad Bilal listing major losses: Netflix down by 34%, Meta by 22%, Microsoft by 17%, Tesla by 12%, and others. Which one is the most appealing right now? Ian Dunlap breaks down his long-term confidence in all of them but singles out Microsoft as his top short-term pick, followed closely by Tesla and Netflix. The discussion quickly pivots to Netflix’s latest ventures—from content strategy concerns to rumors about launching its own music streaming service and potentially signing superstars like Drake. Rashad Bilal voices his worries over Netflix's content quality and shifting focus but acknowledges the platform’s heavy-hitting original series and recent foray into live sports and blockbuster documentaries. Troy Millings sheds light on Netflix’s traditionally strong fourth and first quarters—pointing out successes like Stranger Things, Squid Game, and live sporting events, emphasizing optimism around Netflix’s near-future earnings and strategic partnerships, particularly regarding a potential Warner Brothers deal. Turning to Microsoft, Rashad Bilal and Ian Dunlap analyze the company’s flat stock performance over the past year. Ian Dunlap suggests Microsoft’s growth trajectory hinges on onboarding a new AI partner and the potential public offering of OpenAI, which could serve as major catalysts. He also draws parallels between Microsoft’s situation and opportunities in Bitcoin, highlighting potential long-term value despite recent stagnation. And let’s not forget Tesla—Ian Dunlap hints at the company's ongoing reinvention, distancing itself from merely being a car manufacturer and embracing advancements in autonomous tech, signaling renewed focus and long-term vision. Whether you’re an investor, tech enthusiast, or just want the inside scoop on today’s most-watched stocks, this clip offers premium insights and lively debate on what’s next for some of the market’s biggest names. Watch to hear which stocks the Market Mondays crew are watching most closely and why. *#MarketMondays #Stocks #Netflix #Microsoft #Tesla #TechStocks #Investing #AI #StreamingWars #FinancialAnalysis #StockMarket #LongTermInvesting #IanDunlap #RashadBilal #TroyMillings* See omnystudio.com/listener for privacy information.
January 24 · 13 min
HOW TO RAISE YOUR CREDIT SCORE FAST
Ready to buy a home or level up your finances? In this clip from "Black Out with Ian & Rashad," credit expert Jose Rodrigues breaks down everything you need to know about boosting your credit score and getting mortgage-ready. Jose dives deep into the real facts behind credit reporting and scoring. Find out why checking your credit monthly (or even weekly!) is a game-changer, and how knowing what’s on your report can save you from surprises when you apply for that dream home. Jose explains why your credit data matters more than your actual score, the truth about payment history and credit utilization, and why one small late payment can drop your score by 60 points! Discover the five main categories that impact your score the most, from payment history to credit mix and inquiries. Wondering about those “hard pulls” and how much they really hurt? Jose has the answers—spoiler: late payments and collections hit harder than inquiries. Get advice on using tools like Self Lender and Petal Credit Card to build credit from scratch, and learn how to work with local credit unions for a stronger financial foundation. If you already have credit cards, hear why paying them down aggressively (not just to 30%) can boost your mortgage approval power. Jose also touches on student loans, how to handle negative marks, and the advantages of using business credit to keep your personal score high. Thinking about leveraging your LLC for business vehicles? He explains why this move can help you borrow more when home shopping. Don’t get tripped up by mistakes like maxing cards before your mortgage pull or relying on Credit Karma’s limited reports. Jose gives actionable steps for REAL credit improvement—no fluff. If you want to raise your credit score fast, make smarter moves before buying real estate, or just get your financial life on track, this clip is loaded with practical tips. **Timestamps (rough guide):** - Why and how to check your credit (00:00:00) - Understanding score categories and point breakdown (00:01:17) - How payment history and utilization impact your score (00:02:13) - Building credit with Self Lender, Petal, Capital One, and credit unions (00:05:00) - Avoiding trade lines for mortgages – do it yourself or authorized user tips (00:06:05) - The impact of credit card balances and limits (00:06:43) - Using business credit and moving car loans off personal credit (00:09:02) - Student loans, forbearance, and default solutions (00:08:23) **Listen now to take the guesswork out of raising your credit score!** **#CreditScore #HomeBuying #FinancialTips #JoseRodrigues #CreditRepair #MortgageTips #CreditUtilization #BusinessCredit #CreditCardDebt #PersonalFinance #BlackOutPodcast** --- Jump in, get the insights, and start building a credit profile that unlocks doors—literally. Subscribe for more smart money advice each week! See omnystudio.com/listener for privacy information.
January 23 · 8 min
Is OpenAI in Trouble? Lawsuits, Leadership & the AI Arms Race
In this clip from Market Mondays, Rashad Bilal and Ian Dunlap dive deep into the dramatic developments surrounding OpenAI. They tackle the recent lawsuit against the company, growing questions about leadership, and the fierce competition from major players like Google’s Gemini, Anthropic, and Meta. Rashad Bilal highlights the risks developers face with proprietary information uploaded to OpenAI, pointing out unsettling claims that some product outputs mirror confidential data. He discusses how Elon Musk's ongoing legal battle with OpenAI underscores wider issues, including shifting sentiment towards CEO Sam Altman and Microsoft’s strategic maneuvers—like moving Azure clients to other large language models. Ian Dunlap digs into OpenAI’s financial challenges. Even with an impressive $20 billion in revenue, their high spending has kept them unprofitable, prompting the unexpected introduction of ads on ChatGPT. Ian explains how competitors, like Google’s Gemini, are leveraging OpenAI’s struggles to strengthen their own platforms by pledging never to run ads. The conversation uncovers how OpenAI’s support network—from Microsoft, Oracle, and Nvidia to SoftBank and Broadcom—remains strong, but not unshakeable. Both Rashad and Ian emphasize that erratic leadership and mounting negative press could erode investor confidence and accelerate an exodus to rival platforms, especially as Anthropic nears a public offering and gains customers like Microsoft. The hosts also touch on concerning rumors emanating from San Francisco about the origins of OpenAI and the transition from nonprofit to for-profit status. They suggest leaders need composure and credibility to succeed at the helm of a company driving the future of artificial intelligence. Join Market Mondays as Rashad Bilal and Ian Dunlap break down the high-stakes battle for AI supremacy, exploring OpenAI’s opportunities and challenges—and what this means for the future of tech. *Don’t forget to like & subscribe for more insights on business, investing, and tech!* #OpenAI #MarketMondays #ArtificialIntelligence #TechNews #SamAltman #Microsoft #Anthropic #Gemini #ElonMusk #Nvidia #IanDunlap #RashadBilal #AIWars #BusinessInsights See omnystudio.com/listener for privacy information.
January 23 · 1 hr 22 min
I Lost $65 Million In One Day… And It Changed Everything- Dan Fleyshman
In This Earn Your Leisure Interview, We Sit Down With Dan Fleyshman To Break Down One Of The Most Unconventional Business Journeys Ever. From Becoming The Youngest Person In History To Take A Company Public At 23, To Building Multimillion-Dollar Businesses, Dan Shares What It Really Takes To Win Early—and Stay In The Game Long Term. We Dive Deep Into The Real Pros And Cons Of Running A Public Company, How A $2.4 Million Investment Turned Into A Six-Figure-Per-Week Poker Business, And Why Losing $65 Million In A Single Day Ended Up Being The Best Thing That Ever Happened To Him. Dan Also Explains Why Most Companies Fail, The Importance Of Capital Management, And Why Creative Marketing Is The Only Way Startups Can Compete With Conglomerates. Dan Breaks Down His 40/40/20 Investing Strategy, How He Identifies Winning Companies, The Business Model Behind Influencers Making Real Money, And How To Successfully Pitch Brands. This Episode Is A Masterclass On Risk, Branding, Social Media, And Building Sustainable Wealth In A Noisy World. Invest Fest Tickets: investfest.com #EarnYourLeisure #DanFleyshman #Entrepreneurship #Investing #BusinessGame #IPO #PersonalBrand #SocialMediaBusiness #StartupLessons #WealthBuilding #MarketingStrategy See omnystudio.com/listener for privacy information.
January 21 · 40 min
How to Buy a Home in 2026 w/ MG The Mortgage Guy
Welcome back to Market Mondays In this insightful clip, Troy Millings sits down with Matt Garland—better known as MG the Mortgage Guy—to unpack the biggest trends, myths, and strategies shaping the 2026 real estate landscape. MG the Mortgage Guy drops gems you won’t hear anywhere else about home ownership, interest rates, economic shifts, and how anyone—regardless of starting point—can build generational wealth through smart real estate moves. From debunking the internet “housing crash” rumors to revealing why now is one of the best times to buy, MG gives his unfiltered, expert perspective after 23 years in the mortgage industry. Highlights in this clip: - Why a housing crash isn’t coming (and who benefits from these rumors) - The truth about interest rates, government policies, and what buyers can expect heading into 2026 and 2027 - Game-changing down payment assistance programs, ADU options, and how new loan rules can help buyers qualify in expensive cities - The power of group buying, family compounds, and multi-generational living to get on the property ladder - Controversial advice about renting vs. buying your own home (and why it’s not “either/or” for Black and Brown communities seeking wealth) - Why listening to real estate “gurus” could cost you your shot at generational wealth Plus, Troy and MG discuss the critical mindset shifts, planning strategies, and simple hacks to thrive—whether you’re a first-time buyer or looking to scale up your real estate investments. MG addresses common mistakes high income earners and entrepreneurs make, and why a solid “mortgage plan” is your secret weapon. Ready to turn knowledge into action? Hit play and take notes, because this clip might change how you approach real estate forever. Don’t forget to like, comment, and subscribe for more unfiltered convos and wealth-building wisdom! **#RealEstate2026 #HomebuyingTips #MortgageAdvice #BlackOutPodcast #MGMortgageGuy #TroyMillings #GenerationalWealth #FinancialLiteracy #InterestRates #InvestFest #EarnYourLeisure #HousingMarket #ADU #DownPaymentAssistance #GroupBuying #FamilyCompound #BlackWealth #EconomicEmpowerment #SmartMoneyMoves** See omnystudio.com/listener for privacy information.
January 20 · 14 min
Where Will Gold & Silver Peak in 2026?
In this Market Mondays clip, join Rashad Bilal, Ian Dunlap, and Troy Millings as they break down the outlook for gold, silver, and other precious metals heading into 2026. The trio dives deep into why gold and silver are hitting historic highs, forecasting where prices could peak, and what investors need to watch out for in these turbulent times. Ian analyzes the connection between precious metals, economic threats, and historic moments such as the pre-Covid era, the European debt crisis, and the 2008 crash. He projects that in a worst-case scenario, gold could reach $5,480 an ounce, with silver potentially soaring to $153 or even $1,054. The discussion examines how economic instability, geopolitical tension, and uncertain leadership continue to drive investors to safer assets. Troy points out that major banks and analysts, like J.P. Morgan and HSBC, have gold targets of $5,000 an ounce by Q4 of 2026, emphasizing that supply chain issues, instability, and a weakening dollar are fueling these bullish predictions. He recalls Robert Kiyosaki's early advocacy for silver and notes how commodities often thrive during times of global uncertainty. Rashad provides context on the U.S. national debt’s rapid growth and its impact on dollar value, highlighting how increased government spending under recent administrations contributes to the ongoing bull market for stores of value like gold, silver, and even Bitcoin. He relays insight from Mike Novogratz, who forecasts a gold price of $10,000 if spending continues at its current pace. Together, the Market Mondays team discusses the fading confidence in American economic leadership and traditional finance, how corporate profits are consolidating into a handful of companies, and why market highs aren’t telling the full story about the broader economy. They also touch on the potential for Bitcoin and other digital assets as additional stores of value, and tease upcoming conversations around platinum, copper, and rare earth elements. **WHAT YOU’LL LEARN IN THIS CLIP:** - Expert predictions for gold and silver prices in 2026 - The connections between economic crises, government debt, and precious metals - Analyst expectations from J.P. Morgan, HSBC, Morgan Stanley and more - Impacts of geopolitical turmoil and the weakening U.S. dollar - Why investors are turning to gold, silver, Bitcoin, and other commodities - Insights about the current state of big tech and S&P 500 performance - A peek at platinum, copper, and rare earth metals investment trends Stay ahead of the market and understand how macroeconomic pressures and political events shape your investing strategy. Don’t miss this Market Mondays clip if you’re serious about wealth preservation and opportunity in uncertain times. **Subscribe for more market insights and wealth-building strategies!** #Gold #Silver #Investing #MarketMondays #PreciousMetals #2026Forecast #Bitcoin #Stocks #Economy #Finance #WealthBuilding See omnystudio.com/listener for privacy information.
January 18 · 9 min
Investing Beliefs We Changed Our Minds On
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.* See omnystudio.com/listener for privacy information.
January 17 · 15 min
Who Will Win the AI Race? Apple, Google, Microsoft and More
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 See omnystudio.com/listener for privacy information.
January 16 · 1 hr 6 min
How Chocolate Clothes Global Turned African Culture Into a Global Fashion Brand
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 See omnystudio.com/listener for privacy information.
January 14 · 14 min
Trump vs The Fed: How Political Pressure on Jerome Powell Could Shake the Markets
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. See omnystudio.com/listener for privacy information.
January 13 · 11 min
The War Between Netflix & YouTube: How Podcasting & Content is Being Reshaped with Ian Schwartzman
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* See omnystudio.com/listener for privacy information.
January 12 · 9 min
Why Wealthy Families Demand Prenups
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 See omnystudio.com/listener for privacy information.
January 11 · 10 min
2026 Stock Market Predictions: AI, Political Risk & Global Conflict
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 See omnystudio.com/listener for privacy information.
January 10 · 9 min
5 Daily Habits for Success in 2026
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 See omnystudio.com/listener for privacy information.
January 9 · 12 min
Will China Invade Taiwan? Market Impact, Tensions & The Semiconductor Race
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 See omnystudio.com/listener for privacy information.
January 8 · 1 hr 17 min
90% of Podcasts Are Doing It Wrong — Truth Behind Media Deals & Inside the Joe Budden Podcast Empire
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 See omnystudio.com/listener for privacy information.
January 7 · 14 min
Venezuela, Oil, & the Investments Set to Benefit
In this clip from Market Mondays, Rashad Bilal and Ian Dunlap dive deep into the unfolding situation in Venezuela and its global financial impact. They discuss the dramatic court hearing of Venezuela’s ousted president in New York, the ongoing disputes over oil, and how U.S. companies may stand to benefit from geopolitical shifts. Ian Dunlap identifies major players in the oil industry—Schlumberger, Chevron, ExxonMobil, ConocoPhillips, Halliburton, Baker Hughes—and key ETFs like XLE and ITA that are at the center of this fast-moving trade. The conversation explores how these companies and investments could be affected, but also raises the big question: how long will this oil trade remain relevant given the volatility in Venezuela? Rashad Bilal highlights the complexity of Venezuela’s oil situation, noting its thick crude oil and refining challenges, compounded by years of sanctions. The clip uncovers how U.S. interests may be less about regime change and more about friendly extortion and strategic alignment, drawing parallels to historic situations in Iraq and Libya but also pointing out important differences. This is not just a discussion about profit and trades—it’s a candid look at the moral dilemmas facing investors. Is it right to invest in sectors benefitting from international turmoil? Rashad Bilal reflects on how many Venezuelans accept U.S. involvement for a chance at a better future, underlining that the story isn’t black or white. The conversation wraps with speculation about wider ambitions for U.S. influence, naming Colombia, Cuba, Mexico, and even Greenland as potential targets for strategic moves. This is a must-watch for anyone interested in the intersection of geopolitics, finance, and morality. *Hashtags:* #Venezuela #OilTrade #Geopolitics #MarketMondays #RashadBilal #IanDunlap #Investing #Finance #USPolitics #Imperialism #StockMarket #OilStocks #GlobalMarkets See omnystudio.com/listener for privacy information.
January 6 · 8 min
EYL’s 2026 Stock Picks
In this episode, Troy Millings and Ian Dunlap break down their top stock picks for 2026, highlighting key moves by giants like Meta, Nvidia, Google, and more. They dive deep into Meta’s overlooked $2 billion Manus acquisition, Nvidia’s groundbreaking purchase of Gronk for LPUs, and Google’s visionary plays with SpaceX and Samsung. Tune in for insights on why companies like TSM, AMD, Micron, Western Digital, GeV, Lily, Hood, and Visa remain core long-term holdings and how innovation in AI, chip manufacturing, and strategic partnerships are set to define the next wave of growth in tech investments. Whether you’re a seasoned investor or just starting out, this episode is packed with actionable analysis and fresh perspectives on the future of tech stocks. #TechStocks #AI #Nvidia #Meta #Google #Investing #StockMarket #TSM #Micron #AMD #SpaceX #Samsung #Manus #Grok #Portfolio #GrowthStocks #EYL See omnystudio.com/listener for privacy information.