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Earn Your Leisure

Podcast Earn Your Leisure
EYL Network
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 vie...

Available Episodes

5 of 1175
  • The Biggest Financial Mistakes to Avoid in 2025
    Welcome to Market Mondays! In this episode, hosts Ian Dunlap, Troy Millings, and Rashad Bilal dive deep into the most significant financial mistakes people should avoid in 2025. Whether you're experienced in investing or just starting, this video is packed with valuable insights you won't want to miss!*Key Discussions:**0:00 - Biggest Financial Mistakes for 2025:*Ian Dunlap kicks off the episode by emphasizing the importance of staying focused and not getting distracted by irrelevant conversations or social media debates. He shares a personal anecdote about someone who stopped making gains simply because they got distracted.*1:09 - Eliminate Distractions:*Ian continues discussing the importance of eliminating distractions from your life to stay financially productive. He urges listeners to consistently invest in their chosen asset class—whether it's crypto, equities, real estate, or business—for long-term gains.*3:08 - Buying a Home:*Rashad Bilal highlights the biggest mistake people can make: buying a home they can't afford or aren't prepared for. Referencing the advice from their episode with Kiana Watson on real estate, Rashad brings up Cash Doll's financial regret of buying an expensive mansion as a cautionary tale.*4:36 - Learning from Experience:*Troy Millings adds that it's crucial to learn from experiences and those who've made mistakes before you. He emphasizes that many people don’t openly share their pitfalls, making it all the more essential to pay attention to those who do.*5:09 - Avoiding Bad Advice:*Troy warns against letting others trick you out of your position, whether it’s in investing or any other aspect of life. He advises to stay committed and not let momentary distractions or misleading advice divert you from your goals. *6:45 - Long-term Vision:*Ian and Troy discuss the importance of staying committed for the long haul. Ian uses the recent example of the banking elite overtaking the retail crypto market to drive home the point: stay locked in and think long-term.*Additional Resources:**Things to Know Before Buying a Home ft. Kiana Watson:* [Watch here](#) This episode shares essential tips for prospective homebuyers to prepare and avoid common pitfalls.*Hosted by:*Ian DunlapTroy MillingsRashad Bilal*Why Subscribe?*Market Mondays brings you weekly insights on investing, financial planning, and economic trends, making it easier than ever to make informed decisions. Tune in every week to get the latest updates and strategies from industry experts. 📌 *Don't forget to like, subscribe, and hit the notification bell* so you never miss out on our latest episodes!#MarketMondays #FinancialMistakes #Investing #RealEstate #Crypto #StockMarket #FinancialPlanning #IanDunlap #TroyMillings #RashadBilal---By focusing on common pitfalls and providing insightful advice, this video aims to help viewers navigate their financial journeys more effectively. Whether you're looking to avoid mistakes in the real estate market or seeking ways to stay focused on your investment goals, this Market Mondays episode has you covered.Our Sponsors:* Check out Acorns: https://acorns.com/EYL* Check out Chime: https://chime.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
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  • Best Stocks Under $100 to Buy NOW
    Welcome to another insightful clip from Market Mondays! In this clip, our hosts Rashad Bilal, Troy Millings, and investor Ian Dunlap dive into an essential topic for all investors: the best stocks under $100 worth buying. Whether you're a seasoned investor or just starting, this discussion offers valuable insights into making informed investments.*Time Stamps:*00:00 - Are there any stocks under a hundred dollars worth buying?00:04 - Ian Dunlap's take on Nvidia and AMD01:15 - Troy Millings' picks: Micron and Dell02:07 - Best practices for portfolio management 03:12 - Importance of using an LLC for trading accounts04:14 - Avoiding overextension in multiple stocks*Key Highlights:***Nvidia (NVDA)**: Ian Dunlap emphasizes that Nvidia remains a compelling pick even after its stock split, noting that it's a promising long-term investment. He suggests that investors should consider buying Nvidia stocks, especially if they dip under $100. With Nvidia's current growth trajectory, it could reach $350 in a few years.**Advanced Micro Devices (AMD)**: Ian and Troy have a spirited debate on AMD, but they both agree it is a worthwhile investment. Like Nvidia, AMD is projected to perform well in the long-term, especially as the tech landscape continues to evolve.**Micron Technology (MU)**: Troy Millings highlights Micron's vital role in data storage, particularly in connection with GPUs and AI applications. With Micron priced around $90, it stands as a strategic investment for those interested in tech stocks.**Dell Technologies (DELL)**: Known for its reliability and adaptation to the AI revolution, Dell is another stock Troy recommends. Sitting at $100, Dell offers long-term growth potential, especially in data center infrastructure.**Best Practices for Trading**: Rashad and Ian stress the importance of not risking more than 10% of your portfolio on trades to avoid irrational decision-making. For instance, if you have $100,000 to invest, only $10,000 should be used for trading to maintain a balanced portfolio.**Use an LLC for Trading Accounts**: The hosts suggest setting up an LLC for your trading activities. This provides protection against lawsuits and helps manage risks better if you're handling significant amounts of money in brokerage accounts.**Consolidate Investments**: Rashad finishes by advising against spreading investments too thin across multiple stocks. Holding too many positions can dilute your returns and make it challenging to see meaningful gains.This clip offers not only stock picks but also valuable advice on managing your portfolio and protecting your investments. Whether you're interested in Nvidia, AMD, Micron, or Dell, the goal is to make smart, informed decisions and hold these stocks with a long-term vision.*Don't forget to like, subscribe, and hit the notification bell to stay updated with the latest market insights and investment strategies from Market Mondays!**Hashtags:*#MarketMondays #StockMarket #Investing #Nvidia #AMD #Micron #Dell #StockTips #FinancialAdvice #LongTermInvesting #AssetProtection #InvestmentStrategyOur Sponsors:* Check out Acorns: https://acorns.com/EYL* Check out Chime: https://chime.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
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  • How To Boost Your Credit Score FAST: 5 Proven Strategies Revealed with Shonda Martin
    In this insightful episode of Earn Your Leisure, we engage in a comprehensive discussion with certified credit educator Shonda Martin, who shares her personal journey from grappling with poor credit to becoming a leading authority in credit education. Shonda offers practical strategies to enhance your credit score effectively.A key focus is on understanding credit utilization; she emphasizes the importance of maintaining a low credit utilization ratio, advising that keeping it under 10% can significantly boost your score. Additionally, Shonda underscores the critical role of timely payments, noting that consistent on-time payments are fundamental to credit improvement.She also delves into the process of building a solid credit history, providing guidance on establishing and maintaining good credit practices, even for those starting anew. The discussion includes insights into the use of secured credit cards as a valuable tool for rebuilding and enhancing your credit profile.Furthermore, Shonda highlights common pitfalls that can harm your credit score and offers advice on how to avoid them. Whether you’re aiming to repair damaged credit or build a strong credit foundation, this episode provides actionable steps to help you achieve your financial goals.#CreditScore #ShondaMartin #EarnYourLeisure #CreditRepair #FinancialTipsOur Sponsors:* Check out Acorns: https://acorns.com/EYL* Check out Chime: https://chime.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
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  • Essential Home Buying Tips: Utilities, HOA, and Mortgage Insurance Explained
    In this insightful clip from EYL, we're joined by the incredible Quiana Watson to delve into the often-overlooked costs and fees associated with purchasing a home. As first-time homebuyers, we usually focus on the big-ticket items like the mortgage and property tax, but what about the other expenses that can catch us off guard? Quiana breaks it down for us!*Key Takeaways:*1. **Utility Costs**:Quiana emphasizes the importance of getting a statement of utility bills from the previous homeowner. Understanding these costs ahead of time can prevent unexpected expenses, especially when moving from a smaller apartment to a much larger home.2. **Homeowners Association (HOA) Fees**:The realities of HOA fees can be both beneficial and burdensome. While they help maintain neighborhood standards and can include utilities and amenities, they also add to your monthly expenses. Quiana points out that understanding what’s included in these fees is crucial before making a purchase.3. **Routine Maintenance & Home Warranties**:Owning a home means you're responsible for its upkeep. Quiana suggests investing in a home warranty to cover large expenses like H-Vac system replacements. Routine maintenance, such as gutter cleaning and pressure washing, should also be factored into your budget.4. **Mortgage Insurance**:Often misunderstood, mortgage insurance is required if you put down less than 20% on your home. Quiana clarifies that this insurance protects the lender, not you. However, once you've paid 20% of your loan principal, you can request to have this insurance removed.5. **Homeowner’s Insurance**:Quality matters. Many homebuyers opt for the cheapest insurance but, as Quiana advises, cheaper isn't always better. Proper coverage is essential, particularly if you've invested in upgrades. Always inform your insurer of significant changes to ensure you're fully protected.6. **Budgeting for the Unexpected**:Rashad Bilal adds the importance of having a well-thought-out budget that encompasses all potential costs, not just the mortgage. This foresight helps prevent financial strain and ensures you enjoy your new home without constant worry.*Expert Insights:*Quiana shares her professional experiences to highlight common pitfalls and offers practical advice to make the home buying process smoother. Her emphasis on value appreciation and ownership as primary reasons for entering real estate is a critical reminder for new homeowners.Whether you’re considering buying your first home or looking to understand more about the additional costs associated with homeownership, this episode is a must-watch. Budgeting accurately and having a strategy in place can make all the difference.*Join the conversation!* Share your thoughts and experiences with us in the comments. Have you encountered unexpected expenses in homeownership? How did you handle them?*Don't miss out on this essential advice! Make sure to like, subscribe, and hit the notification bell for more expert insights.*---*Hashtags:*#EYL #HomeBuyingTips #QuianaWatson #FirstTimeHomebuyer #HomeOwnership #Utilities #HOAfees #MortgageInsurance #HomeMaintenance #RealEstate #PropertyInvestment #HomeBudgeting #ExpertAdvice #FinancialPlanning #DreamHome---By covering all these essential topics, this clip aims to provide a comprehensive guide to help you navigate the complex world of homeownership with confidence and ease.Our Sponsors:* Check out Acorns: https://acorns.com/EYL* Check out Chime: https://chime.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
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  • Is the American Dream Dead?
    Welcome to the latest clip of Black Out with Ian & Rashad where hosts Ian Dunlap and Rashad Bilal dive deep into a topic that touches everyone's lives: Is the American Dream dead? 🏡💭From the foundational myths of upward mobility to the harsh realities of today's economic landscape, Rashad and Ian dissect the very fabric of what many believe to be the "dream." Rashad opens the discussion by recognizing the appeal of America for entrepreneurs and go-getters. Yet, he quickly transitions to a sobering critique of the societal norms that portray a middle-class life as the pinnacle of success. He argues that the idea of attaining the American Dream by simply working hard and climbing the economic ladder is a myth.Rashad highlights the structural issues within the mortgage system, explaining how the banking system manipulates the concept of homeownership. He points out how the vast majority of Americans are buying homes they can't afford, leading to catastrophic outcomes such as mortgage defaults and long-term debt. He underscores the fact that most Americans live paycheck to paycheck, making them one step away from financial ruin and even homelessness.Ian then shifts the focus to the broader implications of this crisis. He questions who the American Dream is really for and posits that while it may be dead for the average citizen, it's very much alive for financial institutions. Ian paints a stark picture of the middle class's erosion, driven by ever-increasing debts—from credit card bills to student loans.Both hosts draw a connecting line from individual debt to societal control, pointing out how actual wages have stagnated while the cost of living has skyrocketed. They reveal a troubling reality where most people can't afford basic necessities without relying on more debt, making the notion of the American Dream more of a nightmare for many.Join us as we explore these pressing questions and hear Rashad and Ian's unfiltered thoughts. This is a conversation you don't want to miss!*Timestamps:*00:00 - Intro00:13 - Ian's Opening Question: Is the American Dream Dead?00:52 - Rashad on Entrepreneurship in America01:57 - The Mortgage System and Middle-Class Myth03:09 - The Economic Strain and Homelessness Risk04:35 - Ian on Financial Institutions' Perspective08:08 - Final Reflections and Call to Action*Key Takeaways:*The myth versus reality of the American DreamThe financial traps embedded in the mortgage and credit systemsWhy the middle-class dream is more of a nightmareThe societal implications of indebtedness and stagnant wages*Hashtags:*#BlackOutPodcast #AmericanDream #EconomicReality #DebtCrisis #MiddleClass #FinancialFreedom #HomeOwnership #StudentLoans #EconomicDiscussion #IanAndRashadDon't forget to like, comment, and subscribe for more insightful discussions! 🚀Our Sponsors:* Check out Acorns: https://acorns.com/EYL* Check out Chime: https://chime.com/EARNAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
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About Earn Your Leisure

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

  • Podcast Market Mondays
    Market Mondays
    Investing, Business
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