Earn Your Leisure

In this Market Mondays clip, the hosts dive deep into Netflix’s blockbuster performance this year and debate whether its explosive growth can keep going—or if a stock pullback is on the horizon. Rashad Bilal, Ian Dunlap, and Troy Millings breakdown recent Netflix news: the company’s ad-supported tier is expected to double revenue in 2025, fresh moves into live sports, premium content strategy, and why they remain the clear leader in the streaming space.Ian praises Netflix as the “HBO of our era,” highlighting their dominance and innovative approach, including recent sports deals and content quality that outpaces competitors like Disney, Prime, and Max. Troy explains the recent 5% stock pullback—even after outstanding earnings—and addresses concerns about the stock running up “too high, too fast.” The team discusses the possibility of a stock split as Netflix’s price hovers at all-time highs, and whether now is the right time to buy, hold, or wait for a dip.Key points covered in the clip:*Netflix’s Ad-Supporte

Get ready for a wild ride as Earn Your Leisure links up with the comedy legends behind the 85 South Show — DC Young Fly, Karlous Miller, and Chico Bean. In this episode, we dive into how they built a cultural movement rooted in authenticity, improvisation, and ownership. From creating Channel 85 to selling out arenas with no scripts, they broke down the business of comedy and how they turned laughs into legacy.We also talked about the deeper stuff — brotherhood, purpose, and pressure. Chico Bean opened up about modern relationships, marriage, and being misunderstood. Karlous shared what he learned from lawsuits, contracts, and industry politics, while DC gave insight into fatherhood and staying grounded in the spotlight. The crew also shared behind-the-scenes moments from the road, including wild tour stories, travel headaches, and the brilliance of their paid content strategy.This episode is a masterclass in how to build something real without selling out. Whether you’re into business, comedy, content creati

In this clip from Market Mondays, Troy Millings dives deep into why Uber is such a standout opportunity from both a fundamental and strategic perspective. If you’ve been eyeing Uber or wondering what makes it different from the competition, this breakdown is for you!*Key Topics Covered:**Profitability Milestone:* Uber’s journey from initial struggles as a ride-sharing service to achieving sustainable profitability.*Business Transformation:* Beyond ride-sharing, Uber has significantly expanded through Uber Eats, aggressive cost-cutting, and innovative advertising strategies.*Autonomous Vehicles:* The real game changer. Troy unpacks how Uber’s early moves into autonomous driving—especially with their partnership with Waymo—could disrupt the entire transportation economy.*The Middleman Advantage:* Like Amazon, Uber profits by facilitating connections between customers and services, without the high overhead of making vehicles themselves.*Unmatched Scale & Trust:* With over 200 million monthly active users an

In this insightful Market Mondays clip, hosts Troy Millings and Ian Dunlap break down why now might be the greatest era for investing—and it’s far from just talk. They revisit their own journeys, from buying Bitcoin at $5,000 (when people doubted it would ever be worth more) to witnessing its meteoric rise to $122,000. If you’ve ever wondered whether you’ve missed the boat on crypto or if owning assets still holds promise, this discussion gives you real-life examples and clear perspectives. Troy shares what it felt like investing early in Bitcoin, facing skepticism at every price milestone. Ian highlights the critical role of institutional backing (think: BlackRock, Vanguard) in bolstering Bitcoin’s stability compared to years past, reducing those scary price swings we used to see. The conversation expands to smart strategies: Is there still upside in Bitcoin? What about leveraged plays like MicroStrategy, or using options to accelerate those returns? Troy explains how, even if you missed the 10,000% runs o

In this insightful clip from EYL, host Rashad Bilal sits down with music industry legend David Banner to break down how big corporations take over independent brands and reshape entire industries—including hip hop and music. Banner and Rashad dive deep into the legendary Beats by Dre/Apple acquisition and uncover how companies often "buy to shelf"—buying a successful brand only to suppress it and eliminate competition.David Banner shares game-changing stories from his own journey, revealing how major labels and corporations systematically absorbed independent artists, distributors, and even mom-and-pop record stores to achieve near-total control. Banner reflects on how independent success used to be possible through solid distribution and creativity, but the system changed dramatically when large entities started buying out every level of the music business.This discussion goes further, exploring how the transition to streaming has impacted artists' earnings—comparing the $10 per album model to to

In this insightful Market Mondays clip, host Rashad Bilal sits down with Pastor Jamal Bryant, a renowned leader in theology who’s made major waves in business activism. Pastor Bryant breaks down the reasoning and strategies behind the massive boycott of Target—a movement that’s become the largest Black-led boycott in 70 years.Discover why Target became the focal point after 14 Fortune 500 companies backed away from their DEI (Diversity, Equity, and Inclusion) commitments following Donald Trump’s inauguration. Pastor Bryant reveals staggering stats, such as Black consumers spending $12 million a day at Target, and how the company’s $2 billion pledge to support Black businesses was abandoned. He details the four clear demands made to Target, from investing in Black banks, partnering with HBCUs, fulfilling their George Floyd commitment, to rewriting their DEI blueprint to offer real pathways to executive leadership for Black professionals.Learn how these efforts have already created real market shifts: Target’s

In this insightful Market Mondays clip, hosts Rashad Bilal, Troy Millings, and crypto analyst Ian Dunlap dive deep into Palantir’s remarkable 78% surge year-to-date and discuss the company’s massive new $795 million federal contract. Is Palantir destined to be the next Nvidia, or is its trajectory more like Tesla’s pre-Elon era? Ian breaks down why Palantir is catching fire and sets bold target prices—predicting a year-end valuation of $158 and a three-year goal of $235.57. Troy adds perspective on defense tech’s future and the potential for Palantir to reach a $1 trillion market cap, even if its use case differs from Nvidia’s.Shifting gears, the crew explores smart crypto portfolio strategies for 2024 and beyond. Ian argues the classic 60/40 bond-equity split is obsolete—he now advises allocating at least 20% of your portfolio to major cryptocurrencies, alongside gold and equities. Hear why historical returns make a compelling case for a bigger Bitcoin position, and get perspective on market cycles and reali

This week on Earn Your Leisure, we sit down with the legendary David Banner for one of the most raw, thought-provoking, and inspiring conversations we’ve ever had.From building a studio in his van while homeless to negotiating Gatorade deals and launching a three-state distribution network, Banner breaks down his journey from Mississippi to mogul. He opens up about writing his first contract, navigating taxes, battling depression, and losing millions as an activist — all while staying true to his vision and purpose.We also dive deep into race, culture, and responsibility. From comparing the music industry to the plantation system, to his controversial views on integration, to the influence of modern music on our communities — this episode is a masterclass in business, leadership, and self-awareness. Plus, we hear powerful moments about fatherhood, faith, and the high cost of being a visionary.Invest Fest Ticket Link: https://investfest.com#DavidBanner #EarnYourLeisure #EYL #MusicIndustry #Activism #BlackExcel

In this thought-provoking clip from Market Mondays, renowned futurist and entrepreneur 19 Keys sits down with Ian Dunlap for an intimate, no-holds-barred discussion about the role of artificial intelligence in our culture and economic future. Is AI a threat to cultural identity and prosperity, or could it be a tool for empowerment and resilience? The conversation digs deep into the duality of technology and the mindset required to navigate the fast-evolving digital landscape.19 Keys emphasizes that imagination is humanity’s greatest strength, setting us apart and enabling us to shape the future. He challenges the popular narrative rooted in negative collective memories and urges the community to reframe their relationship with technology—not to fear it, but to master it with intention and creativity. According to 19 Keys, the real asset in this new era isn’t just time—it’s cognition. The quality of your thinking and capacity for adaptation have become the ultimate KPIs, especially in a world where AI is a “Me

In this can't-miss clip of Market Mondays, hosts Rashad Bilal, Troy Millings, and Ian Dunlap dive deep into the fierce competition between the world's biggest tech companies. Is Apple's reign over as the industry's top dog coming to an end, or can Cupertino make a comeback? The hosts break down who might overtake Apple in market capitalization, what Apple needs to do to avoid falling behind, and which companies are nipping at its heels.Ian highlights the critical importance of Apple investing in AI and warns that without significant moves—like partnering with leaders in AI or blockchain—Apple could slip even further down the rankings, possibly to fifth place by 2030. The guys discuss heavyweights like Google (Meta), Amazon, Microsoft, Nvidia, and Saudi Aramco, analyzing each company's strategies and advantages. Troy emphasizes how automation and cloud services, especially Amazon’s AWS, are transforming profit margins and growth potential in the tech world.But it’s not just about the winner

In this episode of Earn Your Leisure, we sit down with hip hop media pioneer Ralph McDaniels, creator of Video Music Box. He shares how he built the show like a mixtape, maintained full creative control, and gave artists like Nas their first shot in front of the camera.We explore the golden era of music videos, MTV’s impact, and whether Suge Knight gets enough credit for shaping the industry. Ralph also responds to Dr. Umar’s critiques of hip hop and discusses the genre’s lasting power to connect people worldwide.From stories about DMX, Kanye, and Drake, to thoughts on New York’s musical influence and threats like Project 2025, this episode is full of game, history, and cultural insight. Tap in.Invest Fest Ticket Link: https://investfest.com#RalphMcDaniels #VideoMusicBox #Nas #HipHopHistory #SugeKnight #MTV #KanyeWest #Drake #Project2025 #EarnYourLeisure #EYL #DMX #BlackExcellenceOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: ht

Welcome to another insightful Market Mondays clip! In this discussion, Ian Dunlap, Troy Millings, and Rashad Bilal break down the major players driving the surge in defense technology and the moral dilemmas facing investors today.This week, we focus on Meta, Palantir, and OpenAI—three giants shaping not just the tech world but the future of defense and AI. The hosts address why Meta and Palantir stocks are on the rise, with Meta’s Mark Zuckerberg rumored to be cozying up to political power, and Palantir increasingly seen as a force in modern warfare scenarios. There’s also talk about OpenAI’s potential as a future public market player and how Anduril, another defense tech company not yet publicly traded, is pushing the boundaries of the industry.Ian, Troy, and Rashad explore the shift in Silicon Valley, where defense tech has gone from “antiquated” to trendy, with CEOs turning into celebrities—and wars discussed not just as tragedies, but as investment opportunities. They dive into why RTX (Raytheon Technolog

In this episode of Earn Your Leisure, Kirk Franklin and Norman Gyamfi sit down for a powerful conversation that bridges faith, culture, and business. They share the story of how their partnership began and why their mission goes far beyond music. Norman reveals how a lack of marketing in the gospel industry motivated him to get involved, and he breaks down the business behind Insignia Assets. Kirk opens up about his past experiences working with family and friends, and the hard lessons he learned from signing a bad record deal.Together, they explore the current state of gospel music—its struggles with cultural relevance, outdated record structures, and slow adaptation to streaming. Kirk and Norman reflect on whether today’s generation is searching for a new kind of spirituality and whether the church is meeting them where they are. They discuss the impact of artificial intelligence on music and faith, questioning if technology could ever replace real authenticity or even spiritual leadership.The conversation

In this insightful clip from EYL, MG The Mortgage Guy joins Troy Millings and Rashad Bilal to break down creative real estate hacks that can help you qualify for a mortgage and scale your income—especially if you’re not navigating the process alone!Discover how you can leverage roommate (or "border") income, even if it's a boyfriend, girlfriend, or college roommate, to boost your mortgage qualification. MG explains Fannie Mae’s Homeready program, which lets you use documented rental payments from roommates to strengthen your application, as long as you’ve collected proof over at least 9 of the last 12 months.The clip dives into the vital importance of documentation—leases, payment records with memos clarifying "rent," and making sure everyone’s on board. They also discuss common scenarios, like living with a partner (who isn’t on your lease), and how putting everything in writing can unlock significant buying power, all while keeping your finances and future flexibility secure.Graduating c

In this clip from Market Mondays, hosts Troy Millings, Rashad Bilal, and Ian Dunlap tackle the burning question on every tech investor’s mind: Is it time to sell Apple stock? With Apple’s latest WWDC leaving many underwhelmed and AI innovation seemingly lagging behind major competitors like Microsoft, OpenAI, Google, and Meta, the crew dives deep into what's next for one of the world’s most valuable companies.Ian Dunlap doesn’t pull any punches, calling this year’s WWDC the “most disappointing in the last 15 years” and sets a bold ultimatum—if Apple doesn’t deliver significant AI development by 2026, he’ll recommend liquidating all Apple positions. With Apple three months in the red and missing key opportunities in the AI race, the discussion turns to real concerns about their innovation culture and leadership under Tim Cook.The hosts debate whether Apple’s rumored features like “liquid glass” are true innovation or just signs that they’re out of touch with the current tech landscape. Is Apple’s massive $

In this special episode, we sit down with Matt Garland to talk about what it takes to become a real estate professional in today’s market. We break down creative house hacking strategies, smart financing options, and new wealth-building opportunities in real estate.Plus, Rashad shares what he learned firsthand during his trip to China — including how to source high-quality home materials directly from the source and save thousands on your next real estate project.Whether you’re a first-time investor or seasoned homeowner, this episode is packed with gems you don’t want to miss.Invest Fest Ticket Link: https://investfest.com#RealEstate #HouseHacking #WealthBuilding #ChinaSourcing #RealEstateInvesting #EarnYourLeisure #MGTheMortgageGuy #HouseFlipping #HomeDesign #InteriorSourcing #RashadBilal #EYL #FinancialFreedom #RealEstateTipsOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Progressive: https://www.progressive.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: http

In this eye-opening clip of *Black Out with Ian & Rashad*, Rashad Bilal shares his first impressions from his trip to China, diving deep into cultural differences, the cost of living, and the systems that shape global wealth disparities. Ian Dunlap joins in to unpack how America’s capitalist design compares—and why our views on prosperity, inflation, and opportunity are often based on manufactured realities.Rashad breaks down the striking differences he noticed in China: Low noise pollution and a calm public demeanor, a stark contrast to the fast-paced, loud culture he’s used to in Manhattan. The pace of daily life, where people aren’t in a constant rush, and mid-day breaks are the norm. Affordable living costs, like rent as low as $175 for a one-bedroom apartment—compared to skyrocketing U.S. prices. Technological advances and a booming electric vehicle industry, with 20 EV companies innovating at lightning speed. The vibrant African community in Fu Shuang, driven by international business and trade

In this powerful Market Mondays clip, host Troy Millings and guest Paul Judge break down exactly where new graduates, investors, and entrepreneurs should direct their focus in today’s rapidly evolving business world—especially as artificial intelligence (AI) transforms every sector.Paul Judge demystifies the best approach for thriving in tech: focus less on flashy technology and more on solving real, valuable problems that businesses are willing to pay for. Drawing from his own experience, Paul explains why success often comes from understanding the three core business layers—IT infrastructure, finance, and people. *IT Infrastructure:* Discover how the shift from the cloud to AI and agentic IT is creating huge opportunities for innovation in cybersecurity and enterprise software. *Finance:* Learn why embedded finance and open banking are now major arenas for anyone looking to capitalize on the globalization of money movement and fintech disruption. *People & Healthcare:* As AI reshapes the future of wo

In this clip from EYL, special guest Kelis shares her incredible journey of building a farm from the ground up in Kenya, offering invaluable insights for anyone curious about agriculture as a business opportunity. She dives into the realities of land acquisition, the true profitability of farming, and why Kenya presents unique advantages compared to places like California or Texas.Kelis discusses her experience navigating land deals, revealing how prices can vary dramatically depending on factors like proximity to main roads and the deep cultural value of heritage land. If you've ever wondered if land in Kenya can be as affordable as in some US states, she breaks it all down—including why sometimes a small plot can be just as pricey as a full acre.The conversation shifts to the profitable side of farming, specifically how crops like onions are in high demand due to local supply needs. Kelis offers real numbers, explaining how an $11,000 investment in a five-acre onion farm can yield $30,000–$35,000 per qu

In this powerful Market Mondays clip, we dive deep into the extraordinary entrepreneurial journey of Magic Johnson—a legend whose business moves have made just as much impact as his sports legacy. Inspired by a stellar Instagram video, the crew takes time to break down why Magic’s story is full of valuable lessons every aspiring entrepreneur should hear.Hear directly from a clip of Magic Johnson as he shares his struggles and triumphs in accessing capital: from being rejected by banks, to finally securing funding from CalPERS after proving his business acumen with a massive profit flip on a shopping center in the inner city. This pivotal moment opened doors for Magic, leading to his historic partnership with Starbucks—despite early skepticism that minority communities would pay “$3 for a cup of coffee.” The Market Mondays team discusses how Magic’s foresight and courage revolutionized inner city communities: he brought both movie theaters and coffee shops to places others ignored, proving how recognizing cult