In this Market Mondays clip, Ian Dunlap and Troy Millings dive into the current state of the stock market, addressing one of the hottest questions: Is everything overvalued and why are stocks falling? Ian highlights the ongoing correction as prices return to their true value after years of massive gains, reminding us that the last time we saw three consecutive years with over 20% returns was during the dot-com era. There's been a frenzy around AI and tech stocks, with everyone scrambling to “front-run” gains hoping to weather an anticipated downturn in the next few years. Ian weighs in on why hype and overvaluation—especially in stocks like Nvidia, Oracle, Palantir, Bitcoin, and Oscar Health—have created a precarious situation. Troy adds that valuations, while driven by impressive earnings growth, have reached almost uncomfortable heights and can’t keep pace forever. Both discuss the risk of the market depending too much on blockbuster earnings from a single tech giant like Nvidia. Drawing parallels to the way Apple was once the market’s linchpin, they explore what happens when stocks are “priced to perfection”—and why perfection won’t always be enough. Despite the daunting pressure, Troy argues that if any company can shoulder these expectations, Nvidia is uniquely positioned. They break down the shifting landscape of tech, with Apple and Google now seen as the new “bonds”—safe havens expected to deliver steady returns over the next five years. But not all companies will weather the storm: Ian points out how several quantum computing stocks are already down 40% or more, warning investors to brace for possible broader market pullbacks. Whether you’re new to investing or a seasoned trader, this insightful discussion will help you understand the dynamics driving today’s market volatility, the role of AI hype, and why it’s so important to keep a critical eye on valuations and earnings moving forward. *Hashtags:* #MarketMondays #StockMarket #Nvidia #Apple #TechStocks #AI #Investing #Finance #StockMarketCorrection #Overvaluation #WallStreet #Google #Meta #Microsoft #Palantir

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In this insightful Market Mondays clip, Rashad and Troy dive into Google’s evolution as an AI powerhouse, its strategy in the competitive tech landscape, and why it might just be one of the quiet leaders in artificial intelligence. The discussion starts with Rashad asking if Google is a sleeper AI company. Troy responds by praising Google’s flawless execution and adaptability, especially when Apple lost its focus. The duo highlight how Google invested in AI, redefining its approach to innovation and solidifying its presence as a tech titan. The clip explores Google’s strategic moves, such as the anticipated pipeline reduction in search pages and the company’s potential new deal with Apple to serve as the primary search engine. Rashad shares how industry insiders foresaw the arrival of major AI products from Google and how he benefited by making smart investment choices based on these trends. The hosts also discuss Gemini, Google’s standout AI product, and its continuous improvements, alongside other innovations like VO3. Troy draws comparisons to Netflix’s move to stop password sharing, emphasizing how data is the new oil and Google owns the pipeline and refineries. They reflect on Google’s powerful earnings, impressive product rollouts, and dominance in both AI and traditional search, underscoring how every innovation from Google prompts competitive responses in the tech sector. In a forward-looking segment, Rashad and Troy touch on the potential integration of Google’s AI technologies with YouTube, which could transform content creation for millions. They salute Google’s team for their ongoing innovation, while wishing Apple had taken a similar path. If you’re interested in the latest AI breakthroughs, competitive strategies in big tech, and how innovation is reshaping the digital landscape, this clip is not to be missed! *Hashtags:* #MarketMondays #GoogleAI #ArtificialIntelligence #TechInnovation #AILeadership #GeminiAI #YouTubeAI #SearchEngine #AppleVsGoogle #TechTalk #Innovation #BigTech #Finance #Investing #RashadBilal #TroyMillings

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In this captivating video, join the rising artist Symba as he opens up about the life-altering journey he took to Africa. Delve into the rich experiences and cultural revelations that deeply impacted him and led him to reassess his values and lifestyle choices. One significant transformation Symba shares is his decision to stop wearing jewelry, reflecting a shift in his priorities. Through vivid stories and heartfelt reflections, Symba paints a picture of the vibrant cultures, traditions, and landscapes that touched his soul. Whether you are a fan of Symba or someone who loves travel stories, this video is a treasure trove of insights into personal growth and the power of embracing new cultures. #SymbasJourney #LifeTr ansformation #CulturalAwakening

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In this thought-provoking clip of *Black Out with Ian & Rashad*, Rashad Bilal and Ian Dunlap break down Donald Trump’s headline-grabbing proposal for a 50-year mortgage. Would a mortgage plan stretching across half a century actually help homebuyers—or is it just another win for the banks? Rashad and Ian don’t just debate the policy; they get real about how most Americans use their homes, why people rarely stay the full 30 years, and how monthly payments might change with a longer loan term. Rashad argues there’s a strategy here: use a lower monthly payment to get a foot in the door, build equity, and plan your exit from day one. Ian, meanwhile, gets straight to the point: these mortgage products are designed to benefit the banks, not the buyers—and without discipline, most folks won’t invest their savings but instead boost their lifestyle spending. The conversation weaves through home appreciation, investing strategies, and why every homeowner needs an exit plan before they even move in. Whether you’re thinking about buying, already own a home, or just want to know how today’s policies might affect your wallet, don’t miss this honest, practical take. Hit play, and join the discussion! Would you take a 50-year mortgage if it meant you could afford the home you really want? Or is it a wealth-building pitfall? Let us know your thoughts in the comments. *Hashtags:* #RealEstate #TrumpMortgage #BlackOutPodcast #RashadBilal #IanDunlap #PersonalFinance #WealthBuilding #HomeOwnership #MortgageTips #FinancialLiteracy

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Welcome to Market Mondays! In this thought-provoking clip, Rashad Bilal, Troy Millings, and Ian Dunlap break down the fundamentals of FICO—your adult "transcript"—and explore why understanding your credit score is more important than ever. Whether you’re just starting your financial journey, rebuilding, or leveling up, this segment’s “building block, corner” is packed with essential insights! Rashad Bilal shares how explaining FICO to his son made him realize that your credit score is truly your adult report card, shaping everything from your ability to buy a home, lease an apartment, land a job, or finance a car. Troy Millings calls FICO your “financial trust score,” noting how crucial it’s become even for career opportunities. Ian Dunlap points out that FICO isn’t just a score—it’s a public company (Fair Isaac Corporation), and its stock performance tells a story of monopoly power and skyrocketing growth since its IPO in 1987. Dig into the business side as Ian Dunlap reveals how FICO actually earns its billions by licensing the credit score algorithms, not directly selling scores, and how economic cycles—like low interest rates—can supercharge its profits. You’ll hear about how FICO’s stock price exploded after 2010, paralleling changes in credit reporting’s importance after the Great Recession and new legislation. The trio also ties credit’s cultural impact to music, echoing Wu-Tang’s “Cash Rules Everything Around Me”—but now, as Rashad Bilal says, “Credit rules everything around me.” Learn how the shift to a cashless society has made understanding and managing your credit more vital than ever. They even shout out iconic artists like Clipse and discuss how staying sharp and following trends (even in music!) intersects with financial literacy and generational wealth. Whether you’re curious about why FICO matters, how its monopoly works, what’s changed since the ‘80s, or how credit touches every aspect of modern life, this clip delivers the essentials. Tune in for practical knowledge, cultural connections, and expert takes from Rashad Bilal, Troy Millings, and Ian Dunlap. *Don’t miss:*

• The hidden monopoly behind FICO’s business
• Why your credit score shapes your future, career, and finances
• How shifts in culture and technology made credit king
• FICO’s stock market success story
• Real-world tips on building credit and wealth

*Subscribe for more insights on money, markets, culture, and wealth creation every week!* #MarketMondays #CreditScore #FICO #FinanceTips #Investing #FinancialLiteracy #RashadBilal #TroyMillings #IanDunlap #WealthMindset #StockMarket #CulturalImpact #BuildingBlocks #ClipsNotEpisodes

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This week on Earn Your Leisure, we sit down with two cultural powerhouses — Venus X and Stanley Lumax — for a masterclass on credit, culture, creativity, and building real financial foundations.

We break down why the EYL x Chase Freedom Rise partnership matters and how it’s creating new pathways for young adults to build credit early. We talk about the biggest credit mistakes people make—especially during their college years—and why having money means nothing without discipline and a strong credit profile.

Venus X takes us deep into the business behind being a celebrity DJ, from branding and scaling to creating value in a way that impacts entire communities. Stanley Lumax shares the strategy behind building culture-forward businesses and why proving your work ethic to financial institutions can unlock life-changing opportunities.

We also discuss how parents can give their kids a credit head start, why budgeting is crucial, and the most common financial regrets people have later in life.

Whether you’re a creative, entrepreneur, or student trying to get your money right, this episode delivers game you can use immediately.

#EarnYourLeisure #EYL #VenusX #StanleyLumax #ChaseFreedomRise #FinancialLiteracy #CreditEducation #DJBusiness #CultureCreators #Entrepreneurship #WealthBuilding #MoneyManagement #CreditTips #BusinessOfCulture

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In this insightful Market Mondays clip, Rashad Bilal, Ian Dunlap, and Troy Millings break down the crucial mistakes to avoid right after achieving millionaire status—and share what you should do instead. Whether you’re just starting your financial journey or you’ve already crossed seven figures, this is a must-watch for building sustainable wealth. Rashad Bilal emphasizes the importance of not making large purchases (including a primary home or luxury cars) immediately after accumulating your first million. He explains why buying a single-family home can quickly turn that financial progress into new liabilities, and why it’s smarter to keep your cash accessible and prioritize acquiring assets that grow your wealth. Ian Dunlap offers practical steps for maintaining your financial edge—like avoiding “lifestyle creep” until your net worth reaches $11 million, staying debt-free, and focusing on investments that can never go to zero. He gets real about the emotional journey: the rush of making your first million fades, so it’s crucial to concentrate on growing your fortune and happiness, not just your bank balance. Troy Millings shares his personal blueprint, describing how he continued to live below his means and kept his housing costs minimal—even after hitting the million mark. Troy talks about strategic investing, not rushing into big purchases, and using discipline to keep growing his wealth. He encourages viewers to be hyper-vigilant about how they manage, respect, and protect their money, especially in uncertain times. The trio also touch on why certain classic status symbols—like diamonds and luxury watches—typically aren’t smart investments, especially with new technology and shifting markets transforming their value. *What you’ll learn in this clip:*

• Why your first million isn’t the finish line—and what really matters next
• The dangers of rapid “lifestyle upgrades” (and how to avoid going broke)
• How multifamily real estate and smart renting can be better wealth moves than buying a flashy house
• Tax strategies, asset protection, and avoiding financial traps that target the newly wealthy
• The declining value of luxury assets like diamonds and cars—and smarter things to do with your money

Whether your goal is to hit seven figures or multiply it, let Rashad Bilal, Ian Dunlap, and Troy Millings guide you through the mindset, habits, and strategies for lasting success. *Subscribe for more Market Mondays insights!* #MarketMondays #WealthBuilding #FinancialFreedom #RashadBilal #IanDunlap #TroyMillings #MillionaireMindset #MoneyManagement #Investing #PersonalFinance #Clip --- Watch, learn, and level up your financial game with every Market Mondays clip!

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Welcome to a brand new clip from Market Mondays! In this insightful conversation, Rashad Bilal connects with David Shands and Ian Dunlap to discuss the emotional ups and downs of trading options, the importance of having an exit strategy, and how new traders can navigate the roller coaster of market sentiment. David Shands shares his real-time journey as a content creator stepping into options trading, walking us through his experience with AMD calls and the lessons he learned from previous earnings season traumas (Netflix, anyone?). The hosts dig deep into essential strategies, highlighting why setting profit targets and mapping out positions before investing is crucial for long-term success. Ian Dunlap breaks down the logic behind buying time, analyzing sector sentiment for semiconductors, and explores the bullish momentum around AI stocks like AMD, Nvidia, and ASML. This clip isn’t just about numbers—it’s about mindset. Whether you’re wondering when to sell, how to use AI like ChatGPT as a mentor, or what kinds of daily briefings can help you stay on top of your investments, you’ll find practical advice here. See how David’s journey reflects the experiences of so many new traders, and how thoughtful planning can help you avoid rookie mistakes, take profits, and grow your confidence. Don’t miss the moment where Ian talks about stacking options, leveraging innovation cycles, and accounting for tax implications in your investing decisions. Plus, find out which stocks David currently holds in his portfolio, and some candid discussions about missed Bitcoin opportunities and lessons learned! If you’re an options newbie or seasoned investor looking for community, mentorship, and real trading stories, this Market Mondays clip delivers wisdom, laughter, and learning. *Drop your thoughts and trading questions in the comments below! Make sure to subscribe for more clips following real journeys and actionable advice from Market Mondays.* *Hashtags:* #MarketMondays #OptionsTrading #StockMarket #TradingJourney #AMD #Nvidia #ASML #Investing #FinancialFreedom #IanDunlap #RashadBilal #DavidShands #Crypto #Bitcoin #AIStocks #PortfolioBuilding #WealthMindset

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In this powerful clip of EYL Rashad Bilal and Troy Millings dive deep into the remarkable yet heartbreaking story of Wally Amos—the creator of the iconic Famous Amos cookies. From his trailblazing start as the first Black talent agent at William Morris Agency, guiding legends like Diana Ross and Marvin Gaye, to building a cookie empire on Sunset Boulevard, Amos’s journey seemed destined for greatness.

But success came with challenges. As the business grew, so did the complications: mismanagement, lack of mentorship, and rapid scaling all played a part in unraveling everything Wally had built. In a shocking turn, after selling his multi-million dollar business for a fraction of its value, Amos lost not only his company but also the legal right to use his own name or likeness for any future ventures.

Find out how Amos’s struggle mirrors timeless lessons in entrepreneurship—highlighting the critical importance of understanding business fundamentals, legal trademarks, and the impact of trusting others with your finances.

Rashad Bilal and Troy Millings also shed light on familiar stories of financial mishaps among celebrities and business owners, emphasizing why every creator, artist, and entrepreneur must actively safeguard their brand and legacy.

Despite countless obstacles—financial losses, lawsuits over his name, and battles with depression—Wally Amos’s original love for baking endures. Today, he's found new hope inspiring others and sharing his Aunt Della’s cookie recipe, never letting circumstances define his spirit.

If you’re an aspiring entrepreneur or simply love a moving real-life story, this episode will leave you with invaluable takeaways about resilience, ownership, and learning from the past. Don’t miss this compelling lesson on business, branding, and personal legacy.

**Key themes:**  
- The rise and fall of Famous Amos cookies  
- Wally Amos’s groundbreaking career and setbacks  
- Trademarks, licensing, and the legal side of business  
- The dangers of mismanagement and unchecked trust  
- Lessons all entrepreneurs need to hear

Don’t forget to like, comment, and subscribe for more insightful conversations and powerful life lessons from *Black Out with Ian & Rashad*!

**#FamousAmos #BusinessLessons #WallyAmos #Entrepreneurship #BlackOutPodcast #BrandBuilding #Ownership #TrademarkLaw #LifeLessons #CookieEmpire #BusinessFailure #Resilience**

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In this clip of Market Mondays, Rashad Bilal and Troy Millings dive deep into the world of crypto, power, and politics. Starting with a comparison between Trump, Kanye, and Elon Musk, the conversation quickly explores how influential figures often rely on high-level advisors and sound bites rather than in-depth knowledge. Rashad Bilal shares insights into Trump’s handling of crypto topics like Bitcoin and Binance, revealing how the former president deflects detailed questions and spins challenges to his advantage. Troy Millings joins in to discuss the reality that many investors—even billionaires—often lack real understanding of their assets, highlighting that deploying capital can matter more than mastering every technical detail. The clip further unpacks why those in positions of power, from political leaders to sports team owners, trust advisors and how this dynamic has led to financial scandals like Bernie Madoff’s Ponzi scheme. Together, the hosts reflect on policy decisions, protecting oneself with plausible deniability, and the strategic ignorance at the highest levels of business and government. They talk about the murky origins of Bitcoin and how most people, including major investors and leaders, would probably fail a Bitcoin quiz. The discussion closes with reflections on how misinformation and trusted circles shape decision-making in finance and politics—raising important questions about who actually holds knowledge and power in the markets. Whether you’re curious about how world leaders handle crypto, or want to understand the dynamic between knowledge and investing, this Market Mondays clip is a must-watch! **Hashtags:** #MarketMondays #CryptoTalk #Bitcoin #Investing #Trump #Binance #FinancialAdvisors #PonziScheme #KanyeWest #ElonMusk #PoliticalPower #BitcoinQuiz #CZ #SamBankmanFried #FinanceDiscussion

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