Beyond the Paycheck & The Choices That Shape Our Financial Journey | DISC 6: Vitality | 411 PODCAST (Episode 65) - video Dailymotion

Lerin Gaines

Beyond the Paycheck & The Choices That Shape Our Financial Journey | DISC 6: Vitality | 411 PODCAST (Episode 65)   "Where Everyday Conversations Lead to Financial Awareness"   Featuring: Financial Friday, Mentorship Series   Friday | October 23rd, 2026   Broadcasting on all social media platforms @LERINGAINES   https://leringaines.com  https://linktr.ee/leringaines  https://www.facebook.com/leringaines  http://instagram.com/leringaines  https://www.tiktok.com/@leringaines  http://twitter.com/leringaines  https://www.youtube.com/@leringaines  https://www.twitch.tv/leringaines  https://kick.com/leringaines  https://dailymotion.com/LerinGaines   Song of The Day: "The Choice Is Yours" by Black Sheep  Released 1991 | A Wolf in Sheep's Clothing   Burning Questions for Reflections!  How have the decisions you've made throughout your life shaped your relationship with money, your definition of success, and the future you're building?   Share your response to tonight's Burning Questions...  Text: (609) 200-1098 | Email: Info@LerinGaines.com   DM on any social media platform @LERINGAINES (Facebook, Instagram, X, TikTok, YouTube, KICK, Twitch, DailyMotion)   Check out my FREE Monthly digital Newsletter 'Whispers of Wisdom' for updates, exclusives, and inspiration!   #LerinGaines #FinancialCoach #BlackDiamondConsultations #DebtFreeLiving #WhispersofWisdom #VacationWithMe #BurningQuestions #Facebook #Instagram #TikTok #X #YouTube #KICK #Twitch #DailyMotion #BlackDiamonConsultationsNetwork #411PODCAST #DISC6 #Vitality   DISCLAIMER: The content and information provided by Black Diamond Consultations are intended solely for educational and entertainment purposes. We do not guarantee the accuracy or completeness of the materials, and any reliance you place on them is strictly at your own risk. Our content is not intended to be a substitute for professional advice or judgment. Black Diamond Consultations shall not be liable for any errors or omissions in the educational and entertainment content or for any actions taken based on the information provided.   411 PODCAST  DISC 6: Vitality  Track 65: Beyond the Paycheck & The Choices That Shape Our Financial Journey  ©️ 2026 Black Diamond Consultations Network  LerinGaines.com

Transcript

03:01You're now tuned into the 411 podcast, where everyday conversations lead to financial awareness. Powered by the Black Diamond Consultations

03:11Network. This is your sanctuary for self-discovery, healing, and personal growth. Here, we explore what it means to live

03:20debt-free, not just financially, but spiritually, mentally, physically, and emotionally.

03:26Every episode is part of a journey across our weekly mentorship series, spiritual Sundays, mental Mondays, transformational Tuesdays, wisdom Wednesdays,

03:37coaching sessions Thursdays, and financial Fridays. Each day holds space for wisdom, clarity, and real conversations.

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04:00motion.

04:02Text your thoughts anytime to our official hotline at 609-200-1098. So, grab your journal, open your mind, and

04:12prepare to go beyond the surface. Here, we don't just talk, we transform lives.

04:17And now, here's your guide through it all, entrepreneur, mentor, and financial coach, Laren Gaines.

04:35Welcome, welcome, welcome, welcome. Welcome on in to the 411 podcast, where everyday conversations lead to financial awareness.

04:46We are here, ladies and gentlemen, episode 65, Beyond the Paycheck and the Choices that Shape Our Financial Journey.

04:55Yes, ladies and gentlemen, we are going to go beyond the paycheck, and we are going to speak about the

05:01choices that we make.

05:04Now, I always say that the choice is yours, and I always say that we write our own story.

05:14And if you know anything about me, for a while, you know that I didn't always have that mindset.

05:20I had a mentor reach out to me and help me out. I believe it was 98-99, and I

05:28didn't know that the choice was mine.

05:30I didn't know that I had the power to write my own story back in 98-ish, I want to

05:37say 99.

05:39So, if you're out there listening, and you might be struggling, you may not understand, you may not know who

05:45you are, it is true.

05:48The choice is definitely yours.

05:51We won't get into it, but I just want to leave that open to let you know that, yes, this

05:55is a choice.

05:56We all have a choice in this situation.

05:58We all have a choice in this journey here that we call life.

06:04Episode 65, Beyond the Paycheck and the Choices that Shape Our Financial Journey.

06:13Good show tonight, but before we get into it, I want to say very special thank you to everybody out

06:18there who is listening.

06:19You know, I always say good morning, very special good morning to the Facebook crew, YouTube crew, wherever you're listening

06:28at.

06:29Definitely want to say thank you so much.

06:31Please do me a favor.

06:32Hit that like button, subscribe, tag a friend, text a friend, and invite a friend in because you never know

06:38what breakthrough moments you are going to get here on a 411 podcast.

06:43And I most certainly cannot do it without the help of each and every one of you out there.

06:47We are broadcasting on so many different platforms all over the world, most recently, including Italy, as well as India.

07:00So thank you all so much.

07:01Cannot do it without your help and your love and support over the years.

07:06And of course, I most certainly cannot do it without my executive producer.

07:10I want to thank God for giving me the strength, the courage, the wisdom, the understanding to keep pressing on.

07:17And with that, ladies and gentlemen, you know what time it is.

07:21It's time for the song of the day.

07:33So I spoke about choices.

07:35So we're just going to keep this theme going.

07:38Song of the day.

07:39The Choice is Yours by Black Sheep, released in 1991 off of their album Wolf in Sheep's Clothing.

07:49Now, I do have to say again that The Choice is Yours.

07:53And if you remember this record, it was so popular.

07:57And they said it plenty of times over and over and over again.

08:00You can get with this or you can get with that.

08:03Because you can get with this or you can get with that.

08:06Because you can get with this or you can get with that.

08:08Because you can get with this.

08:10Because this is where it's at.

08:11So in your financial journey, and it may not even just be finances, but, you know, this is Financial Friday.

08:17So I'm just going to, you know, keep the theme going.

08:20But it's so true that you can either go left or you can go right when it comes to your

08:24finances.

08:25When it comes to your mindset of how you think and how you feel about money, you can either go

08:31left or you can go right.

08:32You can have no money, you can have some money, or you can have lots of money.

08:37But remember that the choice really is yours.

08:41And I take it back to spiritual, but most certainly take it to mindset as well, the mental aspect of

08:48it.

08:49Because it all boils down to how you think and how you feel about money.

08:53Now, some of us, we grew up and we were programmed.

08:58If you don't think that you were programmed, then I have to tell you again, you have been programmed.

09:04We have been programmed since we were brought here.

09:07It started as soon as we came into this world.

09:09So whatever you were brought up in, whatever your mom thought, whatever your father thought, whatever grandma thought, you know,

09:18great-grandfather thought, a lot of that is the programming that you have received.

09:23Now, if you don't like, and you don't, basically that's it.

09:29If you don't like what you have saw growing up as a child, if you don't like the current situation

09:33that you're in, you can change it.

09:38You have the power to shift that, change that.

09:44Your words have power, and they are so powerful.

09:47And I'm going to take it to Proverbs 18, 21.

09:53They say, death and life are in the power of the tongue.

09:57And that's so important because a lot of us, we don't realize how powerful the words that are in our

10:04lives.

10:06And I interact with people on a day-to-day basis.

10:08You interact with people on a day-to-day basis.

10:11I challenge you all.

10:14Pay attention.

10:15Pay attention to things that people speak over their own lives, when it comes to their finances, when it comes

10:21to romance, when it comes to so many different aspects of their life.

10:28Health is another thing.

10:31Pay attention.

10:32The tongue is so small, but it's also so powerful as well.

10:38And it's the little things that we say over our lives, over our finances, over our health, which shapes and

10:49molds exactly what we are experiencing here today.

10:52Because, see, it starts in the mental.

10:56It comes out verbally.

10:59And we don't realize that you are listening.

11:04I know that that sounds interesting.

11:06But we don't realize that you are listening.

11:10Your subconscious mind is listening to every single thing that you are speaking and saying over your life.

11:19And it has no idea whether you're joking.

11:21It has no idea whether, you know, you're playing.

11:24You know, I was just joking.

11:26No, I'm just playing.

11:27I have single-handedly witnessed people put curses on their own lives, saying that they are broke, saying that they

11:37are poor, saying that they are always miserable, saying so many different things.

11:42Again, that tongue, life and death is in the power of tongues, saying so many things in a joking way,

11:47interacting with other people, constantly complaining.

11:52And they have no idea that all they are doing is just laying curse upon curse upon curse upon curse

11:59over their lives.

12:00The choice truly is yours.

12:03You can either go left or you can go right.

12:06You can follow that righteous path or you can follow the other path.

12:11Or you can continue to do the same exact thing that you have been doing and get the same results

12:17that you have been getting.

12:18If you're here, if you want something different, just remember that the choice is yours.

12:24You can either get with this or you can get with that.

12:26But the choice truly is yours.

12:29The song of the day, the choice is yours, by Black Sheep, off of their album, Wolf in Sheep's Clothing,

12:37released in 1991.

12:47I have to say that I really could continue to go on and on and on and on and I'm

12:52going to calm myself down.

12:54I'm going to pump my brakes a little bit and back up because we got to get our special guests

12:58in here tonight.

12:58But this topic here about mindset and about the words that we speak over our lives and I can go,

13:09I can do a whole show on this.

13:11I'm so passionate about it because ladies and gentlemen, the person that you listen to time and time again here

13:18on a 411 podcast, I was not always him.

13:21I'll take that back.

13:22I was always him, but I forgot who I was.

13:25See, when we come into this world, we are perfect.

13:29We are 100.

13:30But it's the things that happen to us that chip away at us little by little by little and then

13:37we forget who we are.

13:39But see, when you know who you are, that's another thing.

13:44When you know whose you are and you'll remember who you are.

13:48Again, like I said, I can go on this topic.

13:54The whole show we could do this because it's so powerful and it's so important.

14:00And once you start a little bit, you'll be like, OK, I get it.

14:05More of this is coming in 2027.

14:06But in the meantime, in the meantime, between time, we have a very special guest, DG Saphir.

14:15We're going to go ahead and reach out to him and see what he thinks about the choice being yours

14:20and these choices that we make on our financial journey.

14:40Hello, hello, hello.

14:41What's going on?

14:43Hey, brother, how are you doing?

14:45I'm doing good, doing good.

14:47Welcome on into the 4-in-1 podcast.

14:50Thank you for having me, brother.

14:52Yes, sir.

14:54So I always ask my special guests, where are you calling from?

15:01Well, you won't believe this, but I'm in Scottsdale, Arizona.

15:05Wow.

15:06That's one of my favorite spots.

15:08I've been there plenty of times.

15:10Oh, good.

15:11Good.

15:12You know, how they can get here.

15:14I have not been there at the peak season, but I will tell you that I love the desert.

15:19So one of my favorite spots is Palm Springs, California, and I love it in the summertime.

15:25You know, when people run away, like they run away from Arizona in July.

15:30Yeah, I'm the one that's right there coming in during that time frame.

15:34And then they run back here in September and October, November, you know.

15:38Right, right, right.

15:39Yeah, get away from that cold weather back east.

15:45Exactly.

15:46So, yeah, I'm in good old, you know, northeast, you know, New Jersey, and we're about 40s, 50s, right about

15:54now.

15:54We get up to the 60s, but yeah, I would prefer to be exactly where you're at right now.

16:00I'm from New York City, so I can relate to where you're coming from.

16:04That's why I escaped.

16:06See what I'm saying?

16:07See?

16:08See?

16:09That's what I'm saying.

16:11People don't understand.

16:12I can try to shovel in snow, man, you know, and all that.

16:16I can do better things with my time.

16:18See?

16:19That's what I'm saying.

16:21People look at me like I'm crazy when I say that.

16:24Once I get up out of here, I am up out of here, let me tell you.

16:28Yeah, I'm done.

16:29Got to do it.

16:31Okay, so at this moment, please go ahead and introduce yourself to the Black Diamond community.

16:38Let everybody know who you are and what you have to offer.

17:12Well, I'm D.G.

17:13spiritual law on the radio.

17:15So when you talk about free will and choice, you're really talking my language, you know?

17:20So everything I do in the business world is based on spirit, you know, and because that's your foundation.

17:26Without that strong spiritual foundation, the house is not going to stand very long.

17:31You know, when a hurricane comes, it's over.

17:34I know that's right.

17:38Now, so anyway, I've been involved with co-ops most of my adult life since I was 24 years young,

17:47cooperative economic development.

17:49So that's, you know, where I focus my energies because it's based on natural and spiritual law.

17:55It's better to give than to receive because through the act of giving, you automatically receive.

18:00And so we're out here chasing our tails every day in the capitalistic system, not understanding there's a better way

18:06to go.

18:10Yeah, yeah.

18:11You definitely started opening up some doors and I have lots of questions for you.

18:19So that's why I'm here.

18:22Okay, so let I, a lot of people get this twisted and it's not going to say that it's their

18:30fault, but it can be sort of confusing to people when it comes to spirituality and money.

18:37There's a lot of people out there that think that, you know, they go off to the scripture and they

18:42have it twisted that money is evil because money is the root of all evil.

18:48But in reality, it says, for the love of money is the root of all evil.

18:52And I've listened to a great podcaster, Myron Golden, and he says it's because people love the money more than

19:02they love the people instead of taking the money and using the money to love the people.

19:10Yep, that's why I love co-op because co-op is about service first.

19:15And when you provide service to people, the money will come.

19:21Okay, explain that to the people who don't know what that is.

19:24You said co-op, explain that to us.

19:27You know, cooperatively owned business, most people, not most people, but a lot of people bank with credit unions.

19:37Credit unions are the best example of a co-op.

19:40A lot of people who even actually bank with credit unions don't even know that a credit union is a

19:45co-op or cooperatively owned business.

19:47You know, you're a member of the credit union.

19:51You become an equal member of the credit union with all the other members.

19:54So that's the best example out there of a co-op.

19:58Of course, there's other co-ops.

20:00Any business can be a co-op.

20:02You know, you have co-op farmers, cooperatively owned farms like Sunkist, Lando Lakes, True Value Hardware Store.

20:12There's a lot of retail co-ops out there.

20:15You've got energy co-ops.

20:18You've got housing co-ops.

20:20It just basically means that you own the development equally with all the other people who are a member of

20:26the co-op or a member of the or the housing development.

20:31And that was my first beginning was working with a co-op called Co-op Village, which is interestingly the

20:39name of my new book that just came out, Creating a Co-op Village.

20:42And that began back in Pasadena, California in the 70s, late 70s.

20:51And I was the assistant project director of a $6.4 million 22-acre co-op housing development and recreation

21:00center and shopping center, a really beautiful model for cooperation because the housing was owned by the people who own

21:11equal ownership of each co-op townhouse unit.

21:16They own it equally, 255 townhouses.

21:21They also own the recreation center next door and the shopping center across the street.

21:26So the money from the shopping center leasing from the shopping center tenants went back to the housing co-op

21:35to help lower the housing costs.

21:36And that's a big thing that we need today is we need to find ways that we can reduce our

21:41housing costs.

21:42So if we're buying from a shopping center that we own across the street to help that can help lower

21:48our rent and keep the money in the community so we don't keep giving our money away to people who

21:54don't give any of it back.

21:59That's why we keep chasing our tails because we know we're not capturing the dollars that we spend every day.

22:07And so if we capture the dollars that we spend every day, none of us would be broke.

22:13You know, we would never be broke.

22:15You can't be broke if you recycle the money back to yourself.

22:17And so that, you know, it dawned on me when I was 24 years old and I realized that that

22:24was the way to go.

22:25Cooperative economics was the way to go.

22:28For example, if you had ties to yourself, Lauren, you had tied 10 percent of your income since you started

22:38working, you probably wouldn't be talking to me.

22:41You'd probably be on an island somewhere chilling with a margarita.

22:48You'd be financially set.

22:51So we just tie 10 percent of what we make every day.

22:55There's no there's no challenge.

22:56If we recycle the money that we make back to ourselves every day in the community, then we don't have

23:03a need for the government oversight.

23:06We don't have need for government money.

23:07We don't have need for any of that because we can manage ourselves if we're keeping the money in the

23:12community, in the neighborhood.

23:14OK, co-ops do.

23:16So now you just again, you keep opening up these doors.

23:22So how much time you got, man?

23:26Well, I definitely a lot of you touch base on something that I'm so passionate about.

23:33And again, I only really got that got it together only a few years ago.

23:39So, again, I'm here at expert, but I have learned what ownership is.

23:45And a lot of a lot of us don't know what ownership is.

23:50And you also opened up a door as well in my mind when it comes to tithing.

23:55And a lot of people don't know what what that is.

23:59They think that sometimes tithing is just going ahead and giving all your money to the church, which is another

24:04situation.

24:05And even that they will go ahead and give their last dime to the church, but they forget to pay

24:10themselves first.

24:13That's programming.

24:15Exactly.

24:16But the ownership, when you own, depending on what it is, like you said, recycling the money.

24:24So it could be you might own some paper at who knows.

24:29But some of these things, obviously, you get customers that will be able to pay you back.

24:34You get dividends and things of that nature.

24:36But why do you think a lot of people don't know about ownership?

24:43Well, you know, there's contradictions, you know.

24:45You know, people will say in church that charity begins at home, you know.

24:50And people will say self-preservation is the first law of nature.

24:56But then they don't live it.

24:58They don't they don't practice it every day, you know.

25:01So if they if they you know, it's just it's just talk.

25:04It's just conversation.

25:05But if they actually live the spiritual laws, it's better to give than to receive.

25:10Because through the act of giving, you automatically receive.

25:13Then they wouldn't be challenged financially or spiritually or otherwise.

25:19But they don't believe it.

25:21You know, they think it's just talk because they haven't practiced it.

25:24And you have to practice it in order for it to be recorded as a wisdom in your being.

25:29You have to practice it every day.

25:31Otherwise, it's just intellectual conversation.

25:33People say the right words, but it doesn't mean anything because they're not doing it.

25:39You know, they preach on Sunday or Saturday or Friday, whatever it is.

25:43But then they go out and do the same stuff that they've been doing.

25:46Wow.

25:48Yeah.

25:48People think just because I get up and I go to church every Sunday, then I know, you know.

25:54Wow.

25:55OK.

25:56So spiritual law.

25:57Well, they think because they go to the gym and exercise that they take care of themselves.

26:01But it starts with your spirit, man.

26:04It starts with spiritual practice every day to practice the spiritual principles that you say you believe in.

26:11And so as you do that every day, like I said, it becomes recorded as wisdom and it's automatically you

26:16automatically do it without being prompted to do it.

26:21Recorded as wisdom.

26:22I'm writing, you know, I'm writing some of this stuff down now.

26:25So spiritual law.

26:27And I've heard you say this several times in this past 20 minutes, almost 30 minutes we've been speaking here.

26:33Spiritual law.

26:34It's better to give than it is to receive.

26:38Because through the act of giving, you automatically receive.

26:41You know, you're going to get a mirror reflection back of your own consciousness.

26:45You know, so whatever you think is going to be brought to you in your life, you're going to manifest

26:50it into your life.

26:51That's why we have to watch our judgments.

26:53We have to be very careful about what we judge.

26:56Because, you know, we say judge not, at least we be judged, but we don't live it.

27:01We don't understand it, that it's talking about us.

27:04You know, that whatever you put out in consciousness is going to be mirrored back to you in your life.

27:09And so if you keep judging your life and judging people in your life, you're going to keep repeating the

27:16same stuff over and over again.

27:18Like in relationships, you know, a guy will have a bad relationship with a woman.

27:22A woman has a bad relationship with a guy.

27:25And, you know, they're going to keep repeating the same type of person all the time because they keep judging

27:31the person that they were in the relationship before.

27:34Unless they can say thank you and be in gratitude for the relationship, they're going to keep repeating it.

27:41And we don't understand that that's part of spiritual law, is that when you can say thank you to the

27:48person who came into your life, because remember now, they only came into your life because you asked them to.

27:54You invited them to come in.

27:56So you needed the wisdom of the lesson.

28:00But we want to say that we made a mistake, but there was no mistake.

28:04There was no mistake.

28:06You know, just take your lumps and bumps like the rest of us and say thank you.

28:10You know, the people that are most difficult in your life are the ones that you should listen to the

28:14most.

28:16Because you can't learn anything from anybody who agrees with everything you say.

28:20How can you learn anything from them?

28:22You know, amen corner.

28:24That's all you're going to get is an amen corner.

28:26But the people who have been in the most challenging people in my life, from my first sergeant in the

28:30Army to my business partners, you know, I thank them for challenging me.

28:38Because without challenging me, then I wouldn't have become better.

28:43Right.

28:44I think, yeah, go ahead.

28:52I will put this on here.

28:55I think we might have a little bit of a connection issue here.

29:01But we'll go ahead and try to bring up your mic again.

29:04But what I will say is that that was some powerful information.

29:07I'm going to bring them up again.

29:08But that is so true because a lot of things didn't change in my life until I started to say

29:14thank you.

29:15Because before, you know, everybody who rocks with me and listens knows that I used to point fingers and blame

29:20everybody.

29:21Even from the things that happened as a child, you know, people know that I have blamed some family members

29:28for a long time and would not give them any slack at all.

29:31But once I started to wake up and say, you know, I can't say anything about it because, listen, we

29:40write our own stories.

29:41And like DG said, we asked them to come here.

29:47That is so profound.

29:49We asked them to come here, which I want to touch base on that a little bit more.

29:53So you can't get so upset and worked up over the people that you have wrote into your story.

30:00You wrote somebody into your story or you wrote a situation and, you know, into your storyline that you didn't

30:08necessarily take time to think about.

30:10And once you got into it, you didn't agree with it.

30:14Wow.

30:14Let's learn.

30:15I lost the connection with you.

30:16I'm back now.

30:17Yeah, I see.

30:18We pulled you back.

30:19Yeah, I got you.

30:20Yeah.

30:21Oh, OK, good.

30:22Yeah, I guess I guess what I was saying was too deep.

30:28But man, did you you cut me off?

30:32Huh?

30:32Man, did you open up some doors and some question marks that I got?

30:36I'm sitting here right in right in the way.

30:38So, well, come on, because I'm mad.

30:40They cut me off, man.

30:41So I'm fired up now even more.

30:43So people don't.

30:44So people don't just show up.

30:46We ask them to come here.

30:48That's right.

30:49We invite them into our lives because we need the wisdom of the lesson that they're going to bring to

30:54us.

30:55Come on now.

30:58And then just being gratitude, man.

31:02And then if you don't get the lesson, then you're bound to do it again.

31:07Of course.

31:08Like that movie Groundhog Day.

31:10Oh, one of my favorite movies.

31:12I love it.

31:13Yeah.

31:13You know, I watched that movie probably 20 times.

31:15I learned something new in it every time I watch it because he did not change the day until he

31:22changes his spiritual attitude about life.

31:25And once he changes his spiritual attitude about life, there was a scene in that movie so funny where he

31:29was sitting at the counter with these two truck drivers.

31:32I think they were truck drivers in the cafeteria.

31:35And he said, man, can you imagine I get up every day to the same music, run to the same

31:41people, do the same stuff every day.

31:43And the two guys looked at each other and said, well, that about that about covers it for us.

31:48We're doing the same thing, too.

31:52He thought he was by himself.

31:54He thought he was the only one experiencing it.

31:55And that's what people are doing every day out here.

31:58They're just in Groundhog Day every day because they're not appreciating the people that they meet.

32:05He hated the groundhog.

32:06He hated the assignment as a newscaster to go to that city to do Groundhog Day because he used to

32:13live there.

32:13And he thought he was better than everybody else.

32:15When he got back there, he's looking down at everybody, thought he was a big cheese.

32:19And then he realized that he wasn't nobody.

32:24Just like everybody else.

32:25Right.

32:26The same people that we sit in there judging and pointing fingers.

32:30We're a reflection.

32:31We're all mirrors.

32:32We're all one in the same.

32:33We're a piece of each other.

32:35So that's why what you were saying.

32:38Yeah, we're just.

32:39Yeah.

32:40You're judging people.

32:41We're just running into a different aspect of God, man, a different aspect of yourself.

32:45That's all it is.

32:47Everything's God.

32:48Everything is God.

32:51Okay.

32:51The most vile, the most vile thing in the universe that you can think about right now, a snake, whatever.

33:00That's God.

33:03That's a representation of God.

33:05Everything's God.

33:07So you don't want to demonize anything.

33:09You don't want to demonize anything because that's an aspect of God that you need to learn about yourself.

33:14There's something.

33:15There's messages in all the animals and all the creatures.

33:18For example, study an ant.

33:20An ant.

33:21Study an ant and become wise.

33:25Ants don't complain.

33:27They don't judge.

33:29They just keep it moving.

33:29You know, they carry a hundred times their own weight without complaining.

33:33They're organized.

33:34You know, they got armies.

33:36They take commands from each other and they do what has to be done to build an ant hill or

33:42whatever they're going to do.

33:44And you know what?

33:45What also is wise about the ant is that when it's summer, the ant is preparing for winter.

33:50And when it's winter, the ant is preparing for summer.

33:53They just keep it moving.

33:55Yeah.

33:56Intuitively, they know, you know, we have to look outside to see what the weather is.

34:03And our financial lives and, you know, just life in general would be a heck of a lot different if

34:10we clean up some of our money issues.

34:11Because if we were thinking like the ant and preparing for winter during the summer and then in the summer

34:17preparing for winter, such as people who have bought or got prepared for the holidays in July, Christmas in July,

34:24they wouldn't be stressed out and struggling over these next couple of weeks that are going to come up if

34:30they were thinking like the ant.

34:31But, Larry, we don't have money issues.

34:34We have cooperation, lack of cooperation issues.

34:39If we cooperate and serve each other, if we bought and sold from each other within the community and kept

34:48the money in the community and within the neighborhood, within our family, you know, within the city, within the nation,

34:56within the state.

34:57I mean, we wouldn't have these issues.

34:59We have these issues because we keep looking outside of ourselves for God when God is within.

35:05You go to church and it says you the kingdom of God is within.

35:08But then we, after we leave church, we get amnesia.

35:13Okay.

35:14Okay.

35:14Now, you sure you ain't talking too much now?

35:21Because a lot for a lot of people right here.

35:23They might cut me off again.

35:24I don't know.

35:27Well, okay.

35:29So let's back this up again.

35:31I want you to repeat that again for so many.

35:33Like I said, this is some of the things that, you know, have been eye-opening for me.

35:38A lot of people, they seek.

35:42I'm going to just let you go ahead and say it because I might say too much.

35:45But go ahead.

35:46Well, Larry, look, money is just an illusion.

35:51Okay.

35:52It's a means of exchange.

35:53I mean, we could just do barter.

35:55We could eliminate money by just bartering.

35:58We could barter everything.

36:00We don't need money.

36:00It's just a grand illusion that we've created so we could chase our tails.

36:06But basically, you know, if we were on an island, you know, by ourselves, like my partner always uses this

36:13analogy,

36:14we'd figure out who can do what.

36:16Right.

36:17You know, because we have to figure out a way to survive on that island, you know, and prosper.

36:24You know, so we figure out who's the best cook, who knows how to, you know, fish, you know, who

36:32can go get some food, you know, who knows how to grow food, you know, who's into agriculture.

36:38You know, we each person would get a job based on what their area of interest was and what they

36:43could do.

36:44And so we would be able to survive, not just survive, but we'd be able to prosper as a community

36:51working together.

36:52So, you know, that's what it's all about, cooperation and service with each other.

36:56So, you know, we have a cop in my book, I talk about the competition conflict paradigm, and that's the

37:04one that we've been caught up in the competition conflict paradigm, you know, keeping up with the Joneses paradigm and

37:11all that kind of stuff.

37:12And that doesn't serve us very well.

37:14So you have the, so what's going on right now, we're at this crossroads, we're going to keep on doing

37:20this competition conflict paradigm, or we're going to either shift from the competition conflict paradigm, which leads to war, and

37:28shift to the what I call cooperation and service paradigm, which leads to peace and prosperity.

37:34So we're at that crossroads now, we got to make a decision, are we going to be stuck on what

37:40my friend used to say, stuck on stupid, and keep on doing the same stuff over and over again, or

37:45we're going to realize that this system has run its course, capitalism, competition, conflict has run its course, we got

37:54to rethink it now, okay, because if we're not careful, what's going to happen is,

38:0010 corporations are going to control the whole world, and we'll be buying everything from them, the people won't own

38:09anything.

38:10So we have an opportunity now to learn about co-ops and cooperative economics, we have the opportunity to create

38:17worker-owned co-ops.

38:19For example, I'm working with another co-op besides my own, I have a co-op called Global Village Co

38:25-op, but I'm working with another co-op called Fair Co-op.

38:28They created a ride-share service and delivery service that is an alternative to Uber and Lyft.

38:35We just did a show on my podcast about it, and I call that show, the topic of that show

38:42was called Volunteer Slavery.

38:45Think about that.

38:47That's what the gig industry has become.

38:49It's become volunteer slavery.

38:52I mean, look at it, you know, they're treating the drivers badly, you know, the wages keep going down, they

38:59keep ticking from the drivers, and they plan to eliminate the drivers soon with these self-autonomous, self-driving vehicles.

39:06You know, so what are these drivers going to do once these self-driving cars take over?

39:10Unless they own the self-driving cars themselves, which is what we're working to create a situation where they can

39:18begin to own, that the drivers can actually own their own self-autonomous vehicles and be at home while they're,

39:26you know, vehicles out there working for them.

39:28And so unless we do that, we're in trouble because the drivers are in trouble and the whole world's in

39:34trouble because you take away the driver's job and all you can get into is a self-driving vehicle.

39:42How boring will that be?

39:46Interesting.

39:46Not to mention you have no more human contact.

39:50How boring is that going to be?

39:51You know, when you eliminate drivers from being on the road doing the driving, the next thing is going to

39:57be all the truck drivers will be losing their job because they'll have self-autonomous, self-driving, attractive trailer vehicles

40:05on the road.

40:06Oh, you didn't hear.

40:07So what are we going to do?

40:08You didn't hear that they already have.

40:11Well, we can't afford these trucks.

40:15Only the big companies can afford the trucks.

40:17So we've got to position ourselves under cooperative economics and creating co-ops where we can actually become owners of

40:24these new technologies so that we can benefit in the same way that Elon Musk and the rest of them

40:30are benefiting.

40:32So we've got to create, you know, at one time when Obama was talking about doing the Affordable Care Act,

40:39they thought about, you know, making the Affordable Care Act a cooperatively owned enterprise.

40:44If they had done that, that means that all of us would own the Affordable Care Act and we'd have

40:48transparency.

40:49We'd know exactly why the prices are what they are.

40:53But, of course, the powers that be didn't want that to happen because they don't want that to happen because

40:59they don't want us to have control and transparency.

41:01The same reason why the banks tried to stop credit unions from going across state lines because the competition is

41:09too great.

41:10The credit union provides better service, better products than most banks.

41:14And so the banks lobbied like crazy to stop credit unions from going across state lines because they knew what

41:20would happen.

41:21So any time we're doing our best to take control of our own lives and empower ourselves through worker-owned

41:29co-ops or consumer co-ops or farm co-ops or whatever kind of co-op we want to create,

41:35the powers that be are trying to destroy that.

41:37They don't want us to be in control of our own destiny.

41:40You know, because you had talked about that earlier when you talk about ownership.

41:44Well, ownership is not just spiritual ownership, but it's also in terms of the means of exchange and the jobs

41:52and manufacturing and things that are out there.

41:55We need to own that, too, as cooperative businesses.

42:00And that's what we've got to do, because otherwise we're just going to be on the plantation and we're going

42:05to continue this volunteer slavery mess.

42:09Absolutely. And last Financial Friday, I was speaking about Warren Buffett.

42:14One of the quotes that he said woke me up and it really was disturbing, but it sure woke me

42:20up quick.

42:21And it's somewhere along the lines. Don't quote me, but it's you need to learn how to make money while

42:26you sleep.

42:27If not, you'll work until you die. How do you feel about that?

42:31Well, that's what that's what the big boys are doing.

42:34And they're making money while they're asleep because they had all this A.I. going on and self-autonomous, self

42:40-driving vehicles.

42:41They just I think Las Vegas has bought seven thousand autonomous self-driving vehicles.

42:45What's that going to do to the seven thousand people going to lose their jobs in Las Vegas because of

42:51these these vehicles?

42:52So unless we create a co-op owned ride share service like this company that I'm working with has done

43:00called Fair Co-op, those seven thousand drivers are going to be out of work.

43:06OK, so let's let's let's let's talk action here.

43:09So people who are here for the first time might be fed up with their current situation.

43:15What what how could you guide them?

43:18What would be the next steps? What would be some actions?

43:20Let's correct that. Let's not say they might be fed up.

43:23We know they are fed up.

43:25Right.

43:28No, we would be on fed up.

43:32OK, so if we don't if we don't take action now, like I said, we're going to be we'll be

43:38locked into a situation where we got to remind me of this movie called Solar and Green with Charlton Heston,

43:45where they were picking up all the people off the street and throwing them in garbage trucks.

43:49And then they were making this this food called Solar and Green and it was made with the people's bones

43:58and tissue and they called it food.

44:02And the people didn't know that they were being cannibalized and eating food.

44:07This called Solar and Green, you know, you really and real.

44:12Yeah. And real food was going like a four ounce jar of strawberries.

44:17And this movie was going for like fifty dollars or something crazy like that.

44:20I mean, so and that's what we're seeing at the stores now.

44:23We're seeing these prices continually go up.

44:26We're seeing the rents continually go up.

44:27If we don't take control over those industries, we're going to be in a bad way soon.

44:33I mean, a lot of people are already in a bad way, but it's going to get worse.

44:36It's not going to get better.

44:37So we better take the time, educate ourselves about co-ops, cooperative economics, work our own co-ops, you know,

44:45and and get ahead of this situation before it's too late.

44:50Yeah, man, you said some movies that that really people really should watch.

44:57Soylent Green.

44:58Yes. Soylent Green. That was deep, man.

45:00I mean, they were scooping people up off the street who were like homeless and stuff and turning them into

45:06food.

45:07It was just a modern form of of cannibalism.

45:11And they're doing that.

45:12They're doing that now.

45:14There's people getting kidnapped off the streets now and being used for medical purposes.

45:20I mean, so what's going on right now?

45:21This is not this is not science fiction, man.

45:24This is reality.

45:25I was always told that they put it in the movies first before they go ahead.

45:29And and exactly.

45:31Exactly.

45:32I think there's some sort of.

45:36Yeah.

45:37Yeah, I forgot what it was.

45:38Yeah, I forgot what it's called.

45:41Yeah.

45:42Yeah.

45:43I'm a I'm a Star Trek guy.

45:46I'm a star.

45:47I'm a Trekkie, you know.

45:48And so I watched the old with John Luke and and and and Worf and and and Jody.

45:56Jody.

45:57That's my favorite one.

45:58And, you know, they got this thing that materializes food.

46:02You know, you just tell this computer what kind of food you want and it'll make the food for you.

46:07Oh, yeah.

46:07You know, 3D printing beam in it.

46:10It'll beam the food in.

46:11Yeah.

46:11But it's fake.

46:12It's fake food.

46:13Yes.

46:14Artificial food.

46:15You know, just like, you know, you know, artificial.

46:20Everything is becoming artificial now.

46:22So to find a real thing is going to be really hard at some point, you know, so we've got

46:27to really take charge of the situation.

46:29You know, they're putting GMO seeds in the food now, you know, trying to curve back on population growth and

46:36all these things that Bill Gates and a lot of other people out there are caught up in to reduce

46:41the world population.

46:43There's enough abundance to go around.

46:45I mean, we just don't understand that, you know, we don't have to kill people to because we're just being

46:53too greedy with the resource.

46:55We're taking all the resources, let's say, from the people who don't have any resources who actually, you know, actually

47:02they do have the resource, but we're taking the resource from them and use it for our own benefit.

47:06You know, so you have the haves and the have-nots, you know, you've got 10% of the world

47:11living good and the rest of the world struggling.

47:15You know, I'm tired of it.

47:18I'm tired of it, Leroy, and I don't know about you, but I'm tired of it.

47:24Yeah, it's, I think a lot of people will start to wake up because it's going to come to a

47:31point.

47:31They are waking up, but don't wait too long because, you know, the time is short right now.

47:37You know, the window of opportunity is right now.

47:40You know, while things are shifting in terms of what the administration in D.C. is doing right now, if

47:47that don't wake you up, nothing's going to wake you up.

47:50Exactly.

47:51You can't see the handwriting on the wall now.

47:53You'll never see it.

47:55You know, you're going to be just like sheep going into the slaughterhouse.

47:58You know, and so that's why I've been involved with co-ops all these years and advocate for cooperative economic

48:05development, cooperative ownership, because we have to own the means of exchange.

48:10And if we don't own the means of exchange, whether it's a football team, basketball team, baseball team, whether it's

48:17a business of any kind, it doesn't matter.

48:19We've got to be able, the players, without the players, there's no NFL.

48:25There's no basketball.

48:26There's none of that.

48:28So the players have to take control.

48:30We, as the consumers, have to take control.

48:33That's why we created Global Village Co-op, my co-op, to give people the power so that we can

48:38buy and sell from each other under a closed loop co-op.

48:43You know, you don't have to, you know, demonize the existing system.

48:49Just create another system that's better.

48:52You know, and co-op is that system.

48:54And that's what Buck Master Fuller used to say.

48:56Don't, you know, don't criticize the existing system.

49:00Created a better mousetrap.

49:02And co-ops, I think, are the better mousetrap in my mind anyway.

49:06And so somebody can show me something better.

49:09Bucky Fuller, huh?

49:10A lot of people don't even know that name.

49:12Huh?

49:13Yeah.

49:13Bucky Master Fuller.

49:15Yeah, yeah.

49:15Bucky Master Fuller.

49:16He was, you know, a closed system.

49:18He was about a closed system approach to living.

49:21If you recycle, look, Laird, if you recycle money, do you need money?

49:27Right.

49:28That's right there.

49:29Come on.

49:30Yeah.

49:31If you recycle glass, do you need glass?

49:33Right, right.

49:34If you recycle plastic, do you need plastic?

49:37If you recycle water, do you need water?

49:41I mean, this is not rocket science.

49:43This is common sense.

49:44All right.

49:45So all we have to do is set up a co-op economic system that we can recycle everything back

49:51to

49:51ourselves because everything in the world is bought and sold.

49:55So why not buy from ourselves and sell to ourselves?

49:58Keep it into a closed loop system like Buckmaster Fuller talked about, a closed systems approach

50:03so the money never leaves the community that never goes out.

50:07But the problem is that we keep giving our money away to these big corporations who don't

50:11give any of it back.

50:12Right, right.

50:14How much these big corporations that take money from us, how much do they give back to

50:18the community?

50:19I'm going to tell you how much they give back ready, ladies and gentlemen.

50:22Here we go.

50:27Nothing.

50:29So we are up against the clock.

50:31We got to get on up out of here.

50:34But before we leave, please let them know your information again, where we can follow you,

50:40where we can listen to you on your podcast.

50:42And then we definitely have to have you come back for part two, three, whatever you'd like.

50:48Please come back to the 411 podcast.

50:50So go ahead.

50:51I would love to because I'm just getting warmed up.

50:54Yeah.

50:55Go to globalvillage.coop.

51:02Globalvillage.coop.

51:05That's our co-op.

51:08Check that out.

51:09Check out Fair Co-op.

51:12F-A-R-E dot co-op, C-O-O-P.

51:19No hyphen in there.

51:21And then my book is on Amazon right now and other locations, other bookstores, called

51:27Creating a Co-op Village by D.G.

51:30Safir Hopton.

51:31And within that book, you will find in the back of that book resources for learning about

51:38co-ops, the National Cooperative Business Association and other of the National Cooperative Bank that

51:45is set up by Congress to loan money to co-ops.

51:47So there's opportunities now.

51:49SBA is now guaranteeing co-op business loans, which is something that's new.

51:56That's a game changer right there.

51:57So you can start your own co-op and get an SBA loan guarantee from the bank that you're dealing

52:04with.

52:05So there's a lot of stuff going on.

52:07And then my email address or my other website is safirworld.com.

52:14Safir, S-A-F-E-E-R, world.com.

52:18And those are the best resources in terms of getting in touch with me and finding out how you can

52:24get

52:25involved with the co-ops.

52:27Wow.

52:28This is some great, powerful information.

52:31And we definitely want to have you come back as well.

52:33So I'll be in touch with that.

52:35We are up against the clock, though, so we got to go ahead and get on up out of here.

52:39But I definitely want to say much for going on as Blaze Financial Friday over on this area here.

52:46Well, I appreciate you, man.

52:48Keep on doing what you're doing.

52:49You're doing a fantastic job.

52:51And all my blessings to the listeners out there to get grounded, man, and begin to live common sense.

52:58And let's get out of this competition, conflict paradigm, which leads to war.

53:05Yeah, absolutely.

53:07Yeah.

53:08Thank you so much.

53:10And I'll be in touch.

53:11Take care now.

53:12All right.

53:13Take care.

53:13Bye-bye.

53:14See you.

53:15Well, ladies and gentlemen, there you have it.

53:19Peace of fear.

53:28I don't even know what to say.

53:30I don't even know what to say.

53:32Mind is completely spinning right now.

53:35We definitely have to have him come back.

53:37So many different things that I have been studying.

53:41And, you know, before I bring them to the forefront, you know, obviously I'm studying and I'm processing them in

53:47my mind.

53:47But so many words that I was, you know, studying, such as paradigm.

53:54And, you know, it just rolls right off of his tongue.

54:00Speechless.

54:01I'm like, yeah, I know that word.

54:03I was just studying that.

54:04Like, ladies and gentlemen, stay up on top of these things and stay current and constantly be looking to learn.

54:12I think that that's one of the key messages.

54:15Like, you don't want to stay stuck.

54:17You don't want to stay stagnant.

54:19You want to continuously learn and be a little bit better.

54:23Get out of that.

54:24What did he say?

54:25The competition.

54:26Get out of the competition.

54:28Stop trying to keep up with the Joneses.

54:30The only person that you need to worry about competing with is self.

54:33Remember, everything starts with self.

54:35That's the only competition that you have.

54:37Are you doing better today than you were yesterday?

54:40Forget about what the other person is doing.

54:42Forget about what they have, what they're posting, where they're going on vacation, what they're doing.

54:46We talk about this all the time.

54:48That is a great way to stay stuck is when you continuously look in a rearview mirror, looking at what

54:55somebody else has.

54:56And on that note, ladies and gentlemen, I'm going to go ahead and leave it on that because we got

54:59to get out of here.

55:00We're up against the clock.

55:01But thank you all so much for joining.

55:02This has been a great episode of the 4-in-1 Podcast.

55:05I'll see you when I see you.

55:07Take care, y'all.

55:43Take care, y'all.

56:02Take care, y'all.

56:03Take care.

Beyond the Paycheck & The Choices That Shape Our Financial Journey | DISC 6: Vitality | 411 PODCAST (Episode 65)

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