 This is State Tech Hawaii, Community Matters here. Guys, welcome back to the Prince of Investment Live right here in Hau'olulu, Hawaii. Thank you guys for tuning in all across the globe. This is episode number 11, and we still haven't gotten canceled, ain't that great? But anyway guys, as always guys, don't forget to, you know, hit the like, subscribe, comment, share button, all the other great stuff. Thank you guys for tuning in to the show and all the great things that we've done across the globe. But as always, I don't have a lot of time, and I definitely know you guys don't have a lot of time, so we're going to jump straight into it. So as we always talk, you know, this is a financial literacy show, have we done older episodes, we talk different topics ranging from investing to insurance to stocks, business, all the other great stuff. But today I have a very, very, very special guest calling in from all the way from DC. Her name is Miss Angela Rich. She's done so many great things in philanthropy to all in financial literacy. She had to tell a lot of the stuff, but I know one of the keynote things that we saw was by her being on the Forbes, you know, mentioning by Forbes is being possibly the next Steve Jobs. I think that's pretty awesome to have a minority female have that type of title and prestige, but she has a long, long history. And what I further do, guys, Miss Angela Rich, how you doing, Miss Rich? Awesome. Awesome. So the people out there who don't know who Miss Angela Rich is, tell them who you are. Angel, angel. I'm sorry. Sorry about that. Angel. Okay. Awesome. So how did you, you know, being this little girl from DC, how did you get into, I know you had this history of your family being into, you know, like insurance if I'm not mistaken. Yeah. What made you take financial literacy by, you know, what made you think it's so important? What made you just, you know, out of all the things you could have done and all the great accolades that you have, what make you take financial literacy? Okay. Awesome. Now that you said that you grew up with a family of financial literacy and that, you know, how it was taught and how you figured out a way to do things like that, I saw that, you know, you raised over what $200,000 for this app for teaching financial literacy. You know, could you tell us about the app? That is so amazing. So Ms. Rich, how old are you right now? If you don't mind me asking, I know that may be, you know, a personal question. Oh, that's the app theory. Look at that, right? And the reason why I asked that, you know, I know that you're a young lady, but I wanted to just say, you know, a young African-American woman, young black woman who has grown up and done something in technology. And what's the name of the app that you just mentioned? Credit Stacker. Credit Stacker. Yes. Credit Stacker. And it's on the Apple Store and Google Store? Yes. Okay. So everybody out there, parents, it's a good thing, I'm guessing for parents, school teachers and stuff like that, Credit Stacker, that you can download and help teach kids about financial literacy and financial education. And that was amazing how, you know, oh, okay, great, great. And I like the concept when you took Candy Crush, because it's like putting medicine in the candy, right? You know, you kind of, you know, you make candy. So you kind of put a little medicine in there, so it's not dry. Because I know financial literacy could be pretty dry. So now, my next thing is that you said about growing up with a family around insurance, right? How do you think insurance plays a role into financial literacy? I'm glad that you mentioned that, because, you know, when you think about the world of investing, most people think, you know, real estate, maybe business. Some people think of stocks, bonds and stuff like that. Which are all great products. But it's like insurance seems to be this hidden gem that a lot of people don't know about. And I know that you came from a family line of insurance. Why do you think that is? Put all of that down, too, by the way. I got it all meant to know that. That was a great one that you, you know, because when you use insurance with sprinkler systems, I thought, when I thought of investing as a, you know, I'm originally from Georgia, right? And being from a small town, when I always heard the word of investing, I thought, oh, you got to be rich. You know, that's for rich people. We're barely getting by every day, or we're just a little bit over, you know, getting a bill's pay, so you think, oh, that's investing. That's for rich people. So you don't even look that way. So you kind of think that's out of my league, maybe one day when I'm rich, or I have, you know, rich problems that I think about investing. But then, like you said, when you look and you learn, you say, wow, I can get an insurance policy for this cheap. And one of the things is, what is the question I want to say? How does insurance, like you said, it's the foundation of a financial plan, how does insurance play a role into generational wealth? That's very true. And the reason why I asked that question, I said, hey, you know, I don't want people to always hear me say it over and over like I'm beating a dead horse. I like to hear other people say it and get their perspectives on it as well. Now, another thing you mentioned earlier, when you said, when you looked at the world of investing, you said, hey, insurance is like one of the most risk sensitive. Can you explain that there's somebody who says, what does she mean by risk sensitive? Also, that's a great way you explain that. So I want to make sure everybody out there understood about the risk sensitivity. Now, another question for you, since you said about life insurance and how it passes down and stuff like that. And you know, financial literacy and your app, credit stacker, you also written books before, right? How many books have you written? I know you've written one at least. Got it, got it. What is this book's release? English release. Okay, so the first two people to comment, you know, the first two comments that I see, whether it's YouTube, Facebook, Twitter, Instagram, or whatnot, a podcast, how do you maybe get this episode? The first two people to comment, we're going to purchase you two copies of a book and we'll have them sent to wherever you at around the world. So that's it, awesome, awesome. So now out there, if you guys want to follow Ms. Rich, right? You know, she has a app, credit stacker, which I'm definitely going to check out. I know, well, my producer's talking to my ear, you tell me you got to take a break. So guys, stay right here, stay tuned to the prison of investing and we'll be right back. Thank you. This is Think Tech Hawaii, raising public awareness. I am nice and what's happening guys? Hi, I'm Pete McGinnis-Mark and every Monday at one o'clock, I present Think Tech Hawaii's Research in Manila, where we bring together researchers from across the campus to describe a whole series of scientifically interesting topics of interest, both to Hawaii and around the world. So hopefully you can join me one o'clock Monday afternoon for Think Tech Hawaii's Research in Manila. Guys, and we are right back here live on the Prince of Investing, right here in the beautiful state of Haluulu, Hawaii. We have a, if you guys are just tuning in, we got Ms. Angel Rich here on the line here. She's talking about her app, her app that she launched called Credit Stacker, which is available on Apple and Google Play and that is listed in the top 10 in Google, right? You know, it's done all this, I don't even know all the accolades, Forbes, Google, NASDAQ, all this other great stuff that she's been featured on. And she's talking about her new book, where she's getting ready to do a book tour here with Congressman John Lewis, who we all know that's famous for Selma and Bloody Sunday and stuff like that. So she's out here rocking and kicking. This young lady is doing her thing, makes me feel bad about my life. But anyway, we're glad to have her here on the line. Glad to have her here on the line here to share information and stuff like that and bring it to you live. So she spoke about some great things. She spoke about how simple as investing and financial literacy, how just purchasing insurance, how far it will put you in advance of generational wealth. So another thing I wanted to bring up, right, when she talked about financial literacy, you know, being with Georgia's financial literacy, parents that may be tuned in, what are some of the first steps you can say one could take Ms. Rich? If I were to teach my kids, I would definitely, I don't think that. Okay, so some pretty great tips, right? Now, you just named out, hey, you know, start off by reading, buying a particular growth stock. When she means about a growth stock, people are like, I don't know, what is the stock? She's speaking about probably one of your technology stocks, something like a Facebook or Apple, or you know, that has the potential to grow. They usually take a little bit more of a risk, but you know, that's what she's speaking of. Usually a growth stock is something like a technology stock or something like that, right? So when you're going to, she said, hey, get into a growth stock, start reading, which is very important because if you can't read, then you got some problems with understanding financial literacy, right? You have to be literate in order to be financial literate. So, and you know, that's a pretty important step. Now, when you're doing these things, and you know, you're speaking of some, we live like right now today, the stock market across the Dow Jones, across the New High, over 23,000 points. This is the highest the stock market has ever been. We live in the richest country in the world. Stock market has over 22 trillion, not million, not billion, but trillion dollars in market capitalization. We live in the richest country in the world. The market has been roaring this year and last year, just for the last three or four years. And why do you think this is not taught as a child? Why didn't I really start to understand what investing was? I was about 24, 25, and I was an early bird. I was an early bird when I started like, hey, trying to figure this out. Why do you think, cause my parents just taught me, hey, save your money, work your retire, and that's it. They didn't really understand it. Why do you think this is not taught at an early age? And the thing is, when you hit someone at a young age, right, you are, I don't expect, when I go teach kids, I don't expect them to understand what credit it is once they walk out of there and understand investing. It's just you're planting these little seeds. Cause think about it, I'm 33 years, I just turned 33 years old, and one of the things I can still hear is my mother's voice from when I was five or 10, that I didn't understand at the time, that didn't make sense. But now today I'm like, wow, that makes perfect sense. So sometimes it's not about, hey, I want my kids to come in, just play the stock market and be the next, jeans or anything like that. Sometimes it's just about planting those little seeds, and I don't want to make my son a trillionaire or whatever the case would be. I want him to have a better situation than I had. And then all I want him to do is financially to create a better situation than he had. And then my grandchildren create a better situation and go on like that. So some people say, I don't have a lot of money, I don't have a lot of time and stuff like that. How can I do it? It's just that taking that little money and giving your kids just a tad bit better situation than you had when you graduated college. Even if it's $1,000, hey, when I graduated high school, I had zero, but my son has a thousand. Then your son takes it and he does something. So that's the whole point of it. But now we're coming to the end of the show. And Ms. Rich, I wanted to, I know you got your app credit stacker. I will be downloading that and checking that out here after the show is over. So go out and check out the free app that she has that encourages and helps with financial literacy. She has her book, like I told you the first two people to come in here, you will get a free copy. Don't text me, don't call me, just come in here so I can see it as in the public. You send me your address and you'll get the book out to you wherever you at around the globe. Second thing is, what we also want people to do as well is to, if you want to get in contact with me, Rich, I'll let her explain all that other good stuff, but support her, look out for her. And I really like what she's doing. This is a young lady doing phenomenal things. Congress, White House, all that other great stuff. But before we get out of here, Ms. Rich, is there anything that you want to leave and if you want to get in contact with you, all that other great stuff like that, what would you like to say to them? Okay, awesome, awesome. And is there anything else you want to mention about your book? I know it's on, is it just hardcover paperback? Is there audio and e-book or is it just, you know, great, great, Ms. Rich, thank you for stopping by and taking the time. As always, guys, this is The Prince of Investment, episode 11, I'm your host, Prince Dykes. Thank you guys for tuning in, each and every Tuesday at 11 a.m. Hawaii time. Until the next video podcast, whatever you see me do crazy around the globe, peace, be safe, I'm out, and thank you.