1
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Economic justice is actually having the opportunity,

2
00:00:21,750 --> 00:00:22,713
a real opportunity.

3
00:00:28,080 --> 00:00:29,980
How do you create generational wealth?

4
00:00:31,320 --> 00:00:34,020
How do you teach others to create generational wealth?

5
00:00:38,670 --> 00:00:41,850
The racial wealth gap, it's not a million-dollar problem.

6
00:00:41,850 --> 00:00:43,710
It's not a billion-dollar problem.

7
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It's a trillion-dollar problem.

8
00:00:47,580 --> 00:00:49,130
It's been a never-ending story.

9
00:01:02,640 --> 00:01:06,450
It is a challenge when you can't put gas in your car,

10
00:01:06,450 --> 00:01:09,240
when you can't buy food, you can't pay your light bill,

11
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or you can't pay your rent.

12
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Life is going on, life is happening, you know,

13
00:01:15,990 --> 00:01:18,270
and you're trying to put a bandaid and stop the bleeding

14
00:01:18,270 --> 00:01:20,343
on the effects of generational poverty.

15
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Investments and resources that are meant

16
00:01:26,220 --> 00:01:29,103
to get to these communities haven't gotten to them.

17
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There has to be economic warriors in the community

18
00:01:36,600 --> 00:01:38,073
to create economic justice.

19
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Hey, what's going on man? Everybody good?

20
00:01:42,420 --> 00:01:43,830
My name is Arlo Washington,

21
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and my purpose in life is to advance equity

22
00:01:47,850 --> 00:01:52,286
and create opportunities and build the community.

23
00:02:02,970 --> 00:02:05,070
Just for the sake of teaching you to parting,

24
00:02:05,070 --> 00:02:06,540
I want you to do this right here.

25
00:02:06,540 --> 00:02:08,520
Now watch this. Watch this right here.

26
00:02:08,520 --> 00:02:10,520
So we'll go a fourth of a inch in.

27
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Go a fourth of a inch into the eyebrow.

28
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Take the point of your comb. You put it on the scalp.

29
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We'll take the other hand right here,

30
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and we'll put it back here in the nape area.

31
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And then we'll just take that point of that comb

32
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and just keep it on the scalp all the way

33
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'til you feel that point with your index finger.

34
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When you feel that point with your index finger,

35
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just slide your finger up the comb that way

36
00:02:28,200 --> 00:02:29,820
and pull it out to the side.

37
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That's one side, all right?

38
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So, but you really want a good, straight line,

39
00:02:33,060 --> 00:02:34,650
so you can always go back and do it again.

40
00:02:34,650 --> 00:02:36,060
You just need to put a little bit more pressure

41
00:02:36,060 --> 00:02:37,830
on the scalp when you're going through.

42
00:02:37,830 --> 00:02:38,880
So I'm gonna take that and clamp that up.

43
00:02:38,880 --> 00:02:40,680
Yeah, there we go, appreciate that.

44
00:02:40,680 --> 00:02:43,770
So for the first couple of weeks, this is all y'all doing.

45
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Six sections, on, two, three, four, five, six.

46
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How long did it take?

47
00:02:49,830 --> 00:02:50,670
Five minutes.

48
00:02:50,670 --> 00:02:52,770
Now you ready to move on to something else,

49
00:02:52,770 --> 00:02:54,670
but let me let you try it.

50
00:02:58,590 --> 00:03:00,213
Good job, good job, Mr. LeBron.

51
00:03:01,623 --> 00:03:03,420
Good job, Hughes.

52
00:03:03,420 --> 00:03:04,800
Use some of the techniques.

53
00:03:04,800 --> 00:03:06,700
Yeah, but you got that looking smooth.

54
00:03:07,710 --> 00:03:09,197
What we gonna talk about, JB?

55
00:03:09,197 --> 00:03:10,532
Getting our foot in the game.

56
00:03:10,532 --> 00:03:13,740
How to get your foot in the game, build your clientele up,

57
00:03:13,740 --> 00:03:17,460
learn the business, get a name for yourself out here,

58
00:03:17,460 --> 00:03:19,710
and then open your barbershop up.

59
00:03:19,710 --> 00:03:22,200
When I was 20, I opened my first barbershop.

60
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I worked in my partner's shop for two years first

61
00:03:24,420 --> 00:03:26,040
and built the clientele up, right?

62
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So I had about maybe 80, 90, 100 people

63
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coming to me every week.

64
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Then I open up the barbershop.

65
00:03:31,920 --> 00:03:34,680
But right now, while you in school, be patient,

66
00:03:34,680 --> 00:03:36,840
practice, cut as many heads as you can.

67
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When you leave and go home, if you got little cousins,

68
00:03:39,540 --> 00:03:40,950
you got people in the neighborhood,

69
00:03:40,950 --> 00:03:43,620
cut, cut, cut as much as you can,

70
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'cause the more you cut, the better you get.

71
00:03:57,750 --> 00:04:00,012
Hey, hey, what's up, Bronson? What's going on with you?

72
00:04:00,012 --> 00:04:01,576
I just been busy.

73
00:04:01,576 --> 00:04:03,413
You got, are you getting through that application?

74
00:04:17,670 --> 00:04:18,503
Good afternoon,

75
00:04:18,503 --> 00:04:19,530
thank you for calling People Trust.

76
00:04:19,530 --> 00:04:20,695
How can I help you?

77
00:04:20,695 --> 00:04:21,820
Well, it's my credit score.

78
00:04:21,820 --> 00:04:23,130
It's gonna mess me up, ain't it?

79
00:04:23,130 --> 00:04:25,610
No, ma'am, we don't base it off your credit score.

80
00:04:44,490 --> 00:04:46,080
Trucking Logistics, LLC.

81
00:04:46,080 --> 00:04:48,660
Yes, sir.
This your plan right here.

82
00:04:48,660 --> 00:04:49,770
Have you got any business funding?

83
00:04:49,770 --> 00:04:51,240
Or you've been doing this all out your pocket?

84
00:04:51,240 --> 00:04:53,010
It's just all out of my pocket so far.

85
00:04:53,010 --> 00:04:54,750
As far as just driving, yeah,

86
00:04:54,750 --> 00:04:56,280
I've been in the business for 10 years,

87
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and my dad is a driver as well.

88
00:04:58,620 --> 00:05:02,010
I've covered every corner of transportation in the industry,

89
00:05:02,010 --> 00:05:05,463
so I would wanna create those jobs for other people.

90
00:05:06,360 --> 00:05:08,370
Tell me what it is that you wanna do.

91
00:05:08,370 --> 00:05:11,520
Long term, I would ultimately like to have my own salon

92
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or become an instructor.

93
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Okay, okay, okay.

94
00:05:15,351 --> 00:05:16,740
And you've been traveling to your customers?

95
00:05:16,740 --> 00:05:18,090
Yes.
Like their homes,

96
00:05:18,090 --> 00:05:18,990
their-
Yes, yes.

97
00:05:18,990 --> 00:05:20,370
Oh, okay, yeah, that ain't.

98
00:05:20,370 --> 00:05:21,203
Yeah.
Yeah.

99
00:05:21,203 --> 00:05:23,910
Do you have any operating capital right now?

100
00:05:23,910 --> 00:05:25,770
Unfortunately, I do not at this time.

101
00:05:25,770 --> 00:05:27,210
Okay, okay, so you need-
I won't-

102
00:05:27,210 --> 00:05:29,010
So you need gas money.

103
00:05:29,010 --> 00:05:31,410
Correct.
You need food money.

104
00:05:31,410 --> 00:05:33,750
Product.
Products and supplies.

105
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And I have a business name.

106
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I made my own logo. I've been working.

107
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So we spoke on the phone.

108
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You were saying you are interested in a loan?

109
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Yes, ma'am.

110
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Okay, I'm just gonna get this out.

111
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So tell me about what you're doing with your businesses.

112
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I'm Barbara Salas. I do credit restoration.

113
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I also have a T-shirt and decal line.

114
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Okay.

115
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Due to the things that I deal with in life,

116
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such as sickle cell, having a pacemaker,

117
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having 80% mass in my right breast,

118
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going to treatment once a week-

119
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And then you still run three businesses?

120
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Yes, ma'am.

121
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I heard that now.

122
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You know, capital is a lifeblood of a community.

123
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If the blood ain't circulating,

124
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then you gonna have some issues.

125
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So the blood has not been circulating for a long time.

126
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Why is it that we overlook

127
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this economically segregated community?

128
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Why is the issue swept under the rug and not talked about?

129
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What do you think and feel

130
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when you hear the word ownership?

131
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For me, when I think about ownership,

132
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it's owning my own home

133
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so that I'll have something to pass down to my children.

134
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Nobody in my family own anything.

135
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So ownership is important to me

136
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because I wanna create jobs and opportunities

137
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for my boys and my little cousins and my nephews.

138
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My oldest is 27, and my youngest is seven,

139
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and I think about it a lot.

140
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Of course, nothing was passed down to me,

141
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and I don't have anything to pass down to them.

142
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It just feel good to know that you have something

143
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that is yours that nobody can take away.

144
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For so long, we haven't had anything that was ours.

145
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Yeah, we damn proud of, you know, when we do own something,

146
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whether it's a Cadillac or a house or a boat.

147
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It's the idea of it belonging to you

148
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and that you can self-determine what will happen to it

149
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without having to ask anyone.

150
00:07:59,670 --> 00:08:01,470
You don't have to ask for permission

151
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Come in.

152
00:08:03,203 --> 00:08:04,785
All right, thank you.
How you doing, Mr. Williams?

153
00:08:04,785 --> 00:08:05,707
Glad to see you back today.
Hello, Sandra.

154
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I've been making Philly cheesesteaks and hoagies

155
00:08:07,980 --> 00:08:09,750
since I was 16 years old.

156
00:08:09,750 --> 00:08:12,360
I've been in restaurant business for 26 years.

157
00:08:12,360 --> 00:08:13,590
You have a food truck or-

158
00:08:13,590 --> 00:08:14,538
Have a food truck,

159
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a food truck.
Got a food truck.

160
00:08:15,371 --> 00:08:17,100
But my ambition within 12 months

161
00:08:17,100 --> 00:08:18,600
is to have a brick and mortar.

162
00:08:18,600 --> 00:08:20,280
So who you bank with right now?

163
00:08:20,280 --> 00:08:22,500
Well, I-
And did you consider them

164
00:08:22,500 --> 00:08:24,330
for getting the loan?

165
00:08:24,330 --> 00:08:25,230
They gave me an understanding

166
00:08:25,230 --> 00:08:26,370
that they wouldn't loan me any money.

167
00:08:26,370 --> 00:08:27,203
Really?

168
00:08:27,203 --> 00:08:28,440
They still want my business.

169
00:08:28,440 --> 00:08:31,560
They still want me to process my credit card payment.

170
00:08:31,560 --> 00:08:34,560
Your business is still making deposits in this bank.

171
00:08:34,560 --> 00:08:35,393
Yes, yes.

172
00:08:35,393 --> 00:08:37,740
And in turn, will not make you a loan.

173
00:08:37,740 --> 00:08:38,573
Yes.

174
00:08:39,540 --> 00:08:42,233
The wealth gap has grown tremendously.

175
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The CDFI is a community development financial institution.

176
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All people matter, regardless of their credit history.

177
00:08:49,950 --> 00:08:51,180
We're not restricted, so-

178
00:08:51,180 --> 00:08:54,630
I was at a traditional bank for nine years.

179
00:08:54,630 --> 00:08:59,190
Sadly, banking while Black is a real thing.

180
00:08:59,190 --> 00:09:02,670
They don't necessarily train you to know that,

181
00:09:02,670 --> 00:09:04,230
but once you get in there

182
00:09:04,230 --> 00:09:08,070
and you actually see that the person coming in,

183
00:09:08,070 --> 00:09:11,010
if they're white, they're gonna offer them credit cards.

184
00:09:11,010 --> 00:09:14,100
They're gonna offer them loans, financing,

185
00:09:14,100 --> 00:09:16,140
you know, all of those.

186
00:09:16,140 --> 00:09:20,103
But you come in and you're Black, it's no services offered.

187
00:09:21,480 --> 00:09:24,212
Sometimes the interaction with the teller is,

188
00:09:24,212 --> 00:09:26,910
you know, you can see the difference in how they treat you.

189
00:09:26,910 --> 00:09:29,070
So I just don't, I just don't use banks.

190
00:09:29,070 --> 00:09:31,980
Banking while Black does exist.

191
00:09:31,980 --> 00:09:34,980
Banking while Black, driving while Black,

192
00:09:34,980 --> 00:09:37,980
eating while Black, your waiter or your waitress

193
00:09:37,980 --> 00:09:38,940
can treat you differently.

194
00:09:38,940 --> 00:09:41,700
I mean, there is just so many things.

195
00:09:41,700 --> 00:09:44,820
It's crazy the things that Black people have to deal with.

196
00:09:44,820 --> 00:09:47,340
It becomes an experience that you just,

197
00:09:47,340 --> 00:09:51,480
you try to avoid the disappointment of it,

198
00:09:51,480 --> 00:09:54,123
and rather than go through the frustration,

199
00:09:57,360 --> 00:09:58,530
you work around it.

200
00:09:58,530 --> 00:10:00,411
It's a workaround.

201
00:10:03,120 --> 00:10:05,870
Big banks, they don't know the community.

202
00:10:05,870 --> 00:10:09,617
They don't know 'em. They don't have a relationship.

203
00:10:09,617 --> 00:10:10,863
And you wanna be able to be sustainable,

204
00:10:10,863 --> 00:10:13,860
and you wanna be profitable, and you wanna be scalable.

205
00:10:13,860 --> 00:10:16,626
But we just want you to think about every aspect.

206
00:10:16,626 --> 00:10:18,930
Yeah, okay.
And best position yourself.

207
00:10:18,930 --> 00:10:21,960
This helps you to really build your credit profile.

208
00:10:21,960 --> 00:10:24,930
So we can provide you with some ongoing technical assistance

209
00:10:24,930 --> 00:10:27,120
to kind of help you along the way.

210
00:10:27,120 --> 00:10:28,410
We got the name People Trust

211
00:10:28,410 --> 00:10:32,580
because trust in the financial system is just not there.

212
00:10:32,580 --> 00:10:36,720
My goal is to restore the trust in a system

213
00:10:36,720 --> 00:10:39,093
that may have not been built for you.

214
00:10:40,230 --> 00:10:44,460
So we try to see what's the problem, how can we help.

215
00:10:44,460 --> 00:10:45,690
We find a way.

216
00:10:45,690 --> 00:10:48,810
I've always wanted to own my own business.

217
00:10:48,810 --> 00:10:51,840
I hear so much, "If you could just gimme a chance,

218
00:10:51,840 --> 00:10:56,840
just gimme a chance to prove that I'm trustworthy,

219
00:10:58,620 --> 00:11:02,610
that I'm creditworthy, that I can run,

220
00:11:02,610 --> 00:11:05,370
I can run this business successfully."

221
00:11:07,140 --> 00:11:10,323
Y'all ready? All right, one,

222
00:11:13,590 --> 00:11:14,423
two,

223
00:11:17,220 --> 00:11:18,053
three,

224
00:11:21,845 --> 00:11:22,678
four,

225
00:11:25,574 --> 00:11:26,407
five,

226
00:11:28,795 --> 00:11:29,628
six,

227
00:11:31,720 --> 00:11:34,874
seven, uh-uh, that should be a backhand.

228
00:11:34,874 --> 00:11:36,150
She knew. She knew.

229
00:11:36,150 --> 00:11:37,400
Come on, let's go to one.

230
00:11:40,230 --> 00:11:42,000
Historically, barbers have been the go-to

231
00:11:42,000 --> 00:11:44,010
in the community, one of the oldest

232
00:11:44,010 --> 00:11:46,170
and most prestigious professions.

233
00:11:46,170 --> 00:11:48,720
They were the doctors. They did the blood letting.

234
00:11:48,720 --> 00:11:49,560
They did the tooth pulling.

235
00:11:49,560 --> 00:11:51,360
They did the, they were the priests.

236
00:11:52,320 --> 00:11:55,260
One customer lost his job,

237
00:11:55,260 --> 00:11:57,990
and he had been a faithful customer, come in all the time,

238
00:11:57,990 --> 00:12:01,260
I mean, bring in his family, his kids, everybody, you know.

239
00:12:01,260 --> 00:12:02,400
He said, "Mr. Washington,"

240
00:12:02,400 --> 00:12:07,400
he said, "I'm down really bad, and I need to borrow $150."

241
00:12:09,690 --> 00:12:12,420
I've been a barber in the community for over 20 years,

242
00:12:12,420 --> 00:12:13,980
so when the community start hurting,

243
00:12:13,980 --> 00:12:14,813
who do you think they gonna come to?

244
00:12:14,813 --> 00:12:16,560
They came to the people that they can come to for help.

245
00:12:16,560 --> 00:12:18,420
He said, "I'm getting a job,

246
00:12:18,420 --> 00:12:21,630
and I can pay you back in 30 days."

247
00:12:21,630 --> 00:12:24,163
So I made him a loan, you know.

248
00:12:24,163 --> 00:12:25,350
I didn't think he was gonna pay it back

249
00:12:25,350 --> 00:12:27,240
when I gave him the loan at the time,

250
00:12:27,240 --> 00:12:29,610
but he came back, and he paid it back.

251
00:12:29,610 --> 00:12:33,150
And a couple weeks later, he came back again.

252
00:12:33,150 --> 00:12:35,040
Guess what he did? He paid me back!

253
00:12:35,040 --> 00:12:39,150
So I made him another loan, and he paid that loan back.

254
00:12:39,150 --> 00:12:40,297
So then we started thinking about,

255
00:12:40,297 --> 00:12:42,360
"Well, how can these small loans

256
00:12:42,360 --> 00:12:45,210
at that size really have an impact?"

257
00:12:45,210 --> 00:12:47,130
If they don't have credit,

258
00:12:47,130 --> 00:12:49,590
then they can't get a loan from a bank.

259
00:12:49,590 --> 00:12:51,750
That means they have to go to a loan shark

260
00:12:51,750 --> 00:12:54,210
or they have to go to some payday lender

261
00:12:54,210 --> 00:12:56,940
that's going to never let them pay them off.

262
00:12:56,940 --> 00:12:59,190
And I thought about it, and I said, "Wait a minute.

263
00:12:59,190 --> 00:13:01,748
This is what's affecting my community."

264
00:13:06,330 --> 00:13:07,560
So you see how it built up?

265
00:13:07,560 --> 00:13:11,340
Now, man, we done service like, 2020, we serving 900 folks.

266
00:13:11,340 --> 00:13:14,220
And so what we did was we applied

267
00:13:14,220 --> 00:13:17,790
to become a community development financial institution,

268
00:13:17,790 --> 00:13:21,180
which was put in place to be able

269
00:13:21,180 --> 00:13:24,540
to help low- and moderate-income communities

270
00:13:24,540 --> 00:13:27,363
that wouldn't otherwise receive the opportunity.

271
00:13:29,520 --> 00:13:30,920
Let him down and let him go.

272
00:13:38,190 --> 00:13:39,023
Come on in.

273
00:13:40,321 --> 00:13:43,650
In April this year, my house caught on fire.

274
00:13:43,650 --> 00:13:46,863
So you know, I was pushed out.

275
00:13:48,000 --> 00:13:50,070
I was calling to inquire

276
00:13:50,070 --> 00:13:52,500
about your rental assistance.

277
00:13:52,500 --> 00:13:54,930
You're behind on rent now?

278
00:13:54,930 --> 00:13:56,580
I forgot your name. Give me your name again.

279
00:13:56,580 --> 00:13:57,420
Candace Ford.

280
00:13:57,420 --> 00:13:59,490
Okay, cancer survivor.

281
00:13:59,490 --> 00:14:00,330
Yeah.

282
00:14:00,330 --> 00:14:03,360
Unfortunately it's just a one-time deal.

283
00:14:03,360 --> 00:14:05,760
I believe we're the only rapid rehousing

284
00:14:05,760 --> 00:14:07,770
that is in Central Arkansas.

285
00:14:07,770 --> 00:14:11,010
How much does it cost you to live every month?

286
00:14:11,010 --> 00:14:12,690
I don't know, 'cause I ain't never been on my own.

287
00:14:12,690 --> 00:14:13,523
Okay.

288
00:14:13,523 --> 00:14:15,030
Have you been looking around?

289
00:14:15,030 --> 00:14:17,501
Yeah, every time I have a-
I had a landlord in today,

290
00:14:17,501 --> 00:14:19,107
and I asked him, and he doesn't have anything.

291
00:14:19,107 --> 00:14:22,260
And when you move, we'll pay the security deposit

292
00:14:22,260 --> 00:14:23,960
and your first three months' rent.

293
00:14:34,170 --> 00:14:36,330
Let's talk about a budget.

294
00:14:36,330 --> 00:14:38,310
How's the job looking? Any-

295
00:14:38,310 --> 00:14:41,695
Well, just, it's really that I'm,

296
00:14:41,695 --> 00:14:44,520
it's hard because I don't have nowhere to shower and stuff.

297
00:14:44,520 --> 00:14:47,280
Right, that is one thing about Little Rock.

298
00:14:47,280 --> 00:14:51,690
There's just really not a lot of affordable housing.

299
00:14:51,690 --> 00:14:53,520
There's a huge housing need.

300
00:14:53,520 --> 00:14:56,759
Correct, there's just too many people waiting for help.

301
00:14:58,740 --> 00:14:59,670
You're four months behind,

302
00:14:59,670 --> 00:15:01,830
but did she tell you the balance?

303
00:15:01,830 --> 00:15:03,467
This is a grant, just an emergency grant,

304
00:15:03,467 --> 00:15:05,430
'cause I heard you say you didn't have any clothes,

305
00:15:05,430 --> 00:15:06,900
you didn't have any transportation.

306
00:15:06,900 --> 00:15:08,970
You know, everything burnt up.

307
00:15:08,970 --> 00:15:12,783
For 17 days in a hotel, man.

308
00:15:14,370 --> 00:15:15,203
There you go.

309
00:15:16,290 --> 00:15:18,270
How much is the weekly rent?

310
00:15:18,270 --> 00:15:19,103
The weekly rent?

311
00:15:19,103 --> 00:15:20,010
Uh-huh.

312
00:15:20,010 --> 00:15:20,850
It's not weekly.

313
00:15:20,850 --> 00:15:24,360
She was just gonna charge me like 525 a month.

314
00:15:24,360 --> 00:15:26,280
My mother, she passed away with cancer,

315
00:15:26,280 --> 00:15:29,610
and so I'm just thinking if, since you, you know,

316
00:15:29,610 --> 00:15:32,340
in that situation, maybe if we was able to do,

317
00:15:32,340 --> 00:15:34,980
you know, maybe a grant for a month,

318
00:15:34,980 --> 00:15:37,350
that'd give you time to find a place.

319
00:15:37,350 --> 00:15:38,874
How do you think that works?

320
00:15:38,874 --> 00:15:41,308
It'll help me a lot.
I think that'll help.

321
00:15:41,308 --> 00:15:42,199
What you think?

322
00:15:42,199 --> 00:15:44,136
It'll help me a lot.

323
00:15:47,670 --> 00:15:50,407
Most of the time it's state of emergency.

324
00:15:50,407 --> 00:15:52,257
"Well, I needed help like yesterday."

325
00:15:55,770 --> 00:15:58,470
We never got the 40 acres and the mule that was promised.

326
00:15:58,470 --> 00:16:00,520
That's like the big elephant in the room.

327
00:16:01,650 --> 00:16:05,850
This was promised to you. You never got it.

328
00:16:05,850 --> 00:16:07,980
Nobody never talked about it.

329
00:16:07,980 --> 00:16:09,660
It didn't come up in any type

330
00:16:09,660 --> 00:16:12,483
of other political discussions.

331
00:16:13,320 --> 00:16:15,780
And the fallout is what we see,

332
00:16:15,780 --> 00:16:20,780
a huge racial wealth gap, economic injustices,

333
00:16:24,480 --> 00:16:28,630
and no, not really an end to it in sight.

334
00:16:32,670 --> 00:16:35,943
Here in Little Rock, there is a physical divide,

335
00:16:37,200 --> 00:16:40,233
have on one side, have not on the other.

336
00:16:42,120 --> 00:16:45,755
It's not a wealth gap. It is a wealth chasm.

337
00:16:49,350 --> 00:16:52,059
I-630, the great divide.

338
00:16:58,920 --> 00:17:01,413
How's it going, man? You ready to ride?

339
00:17:03,360 --> 00:17:06,570
You know, when we cross I-630,

340
00:17:06,570 --> 00:17:08,163
you can tell a big difference.

341
00:17:09,330 --> 00:17:12,753
This neighborhood is the heart of the Black community.

342
00:17:13,590 --> 00:17:14,670
There are no banks over here,

343
00:17:14,670 --> 00:17:17,250
and you got about 30,000 community members over here.

344
00:17:17,250 --> 00:17:19,750
You'd be hard-pressed to find a ATM.

345
00:17:20,970 --> 00:17:25,683
That community has been economically segregated.

346
00:17:27,690 --> 00:17:31,590
Look at this, we got four, five boarded-up houses

347
00:17:31,590 --> 00:17:33,003
on this little half a block.

348
00:17:37,440 --> 00:17:39,153
So we crossed I-630,

349
00:17:40,530 --> 00:17:43,443
and now we're going into The Heights,

350
00:17:46,080 --> 00:17:50,400
and in The Heights are maybe 8,000 in population,

351
00:17:50,400 --> 00:17:52,023
but you got 14 banks,

352
00:17:53,970 --> 00:17:57,513
and you don't see a boarded-up house, not one.

353
00:17:58,980 --> 00:18:00,180
Well, you have commerce here.

354
00:18:00,180 --> 00:18:03,390
You have places where business can exist.

355
00:18:03,390 --> 00:18:05,883
You don't see that on the other side of town.

356
00:18:07,242 --> 00:18:09,690
You know, then of course you had redlining

357
00:18:09,690 --> 00:18:12,240
where banks would not make money accessible

358
00:18:12,240 --> 00:18:14,640
to people who lived in certain areas,

359
00:18:14,640 --> 00:18:16,410
and oftentimes those certain areas

360
00:18:16,410 --> 00:18:18,453
were areas where Black folks lived.

361
00:18:21,480 --> 00:18:23,340
This phenomenon of building interstates

362
00:18:23,340 --> 00:18:28,340
through Black communities, and they bring about destruction.

363
00:18:34,680 --> 00:18:35,580
I'm gonna take you and show you

364
00:18:35,580 --> 00:18:37,260
our new location where we opening it up.

365
00:18:37,260 --> 00:18:38,943
All right.
That's redlined.

366
00:18:42,420 --> 00:18:45,120
This is the first financial institution ever

367
00:18:45,120 --> 00:18:46,420
in this community, and so-

368
00:18:47,832 --> 00:18:48,840
And it looks good, too.

369
00:18:48,840 --> 00:18:49,710
Thank you.

370
00:18:49,710 --> 00:18:52,347
We've been working hard.

371
00:18:54,690 --> 00:18:56,250
Do you believe in the American dream?

372
00:18:56,250 --> 00:18:57,900
What is the American dream?

373
00:18:57,900 --> 00:19:01,410
You tell me, and we'll both know.

374
00:19:01,410 --> 00:19:02,827
I was told this growing up.

375
00:19:02,827 --> 00:19:05,280
"You work hard, you do what you're supposed to do,

376
00:19:05,280 --> 00:19:08,190
and you'll achieve your goal," right?

377
00:19:08,190 --> 00:19:12,993
And in essence you, that's supposed to be true.

378
00:19:15,630 --> 00:19:19,320
But I have to say that I've sat at the table

379
00:19:19,320 --> 00:19:20,707
in front of my children and said,

380
00:19:20,707 --> 00:19:23,640
"As much as this is supposed to be true,

381
00:19:23,640 --> 00:19:27,777
it is still possible that that may not happen for you."

382
00:19:29,700 --> 00:19:34,700
Nice house, cars, family tooken care of, bill free.

383
00:19:37,680 --> 00:19:40,533
Well, no, no, I'm just out here surviving.

384
00:19:40,533 --> 00:19:41,789
I'm just trying to make a way.

385
00:19:41,789 --> 00:19:45,180
So I couldn't just elaborate

386
00:19:45,180 --> 00:19:46,530
with the American dream is.

387
00:19:46,530 --> 00:19:48,099
I wouldn't know.

388
00:19:56,622 --> 00:19:59,400
There was a time in my life early on

389
00:19:59,400 --> 00:20:04,140
when I wanted to fix what my mother was going through

390
00:20:04,140 --> 00:20:05,973
trying to take care of me.

391
00:20:07,020 --> 00:20:09,510
She had me when she was 16 years old,

392
00:20:09,510 --> 00:20:11,523
had to drop outta school, get a GED.

393
00:20:14,550 --> 00:20:18,243
So when I was born, I was brought home to this house,

394
00:20:19,260 --> 00:20:22,170
and my grandmother was a single parent

395
00:20:22,170 --> 00:20:24,780
with 16 kids in the house,

396
00:20:24,780 --> 00:20:28,710
and now my mother at 16 was bringing home

397
00:20:28,710 --> 00:20:30,483
another addition to the family.

398
00:20:32,910 --> 00:20:36,010
You know, watching my mother early in my life

399
00:20:37,050 --> 00:20:39,270
and watching the sacrifices that she made

400
00:20:39,270 --> 00:20:42,150
for, you know, folks in the neighborhood,

401
00:20:42,150 --> 00:20:44,670
she wanted to be an inspiration to the folks

402
00:20:44,670 --> 00:20:47,070
that lived in the housing projects to let them know

403
00:20:47,070 --> 00:20:48,863
that they didn't have to stay there.

404
00:20:51,780 --> 00:20:53,680
This is where my mother was eulogized.

405
00:20:55,020 --> 00:20:56,283
She had cervical cancer.

406
00:20:57,720 --> 00:20:59,280
Two weeks before I graduated high school,

407
00:20:59,280 --> 00:21:00,450
my mother passed away.

408
00:21:00,450 --> 00:21:01,600
She didn't see me walk.

409
00:21:05,160 --> 00:21:08,130
That was tough. I felt lost.

410
00:21:08,130 --> 00:21:10,113
That left me lost, feeling lost.

411
00:21:11,250 --> 00:21:12,423
Okay, what do I do now?

412
00:21:13,387 --> 00:21:15,930
You know, I have two younger sisters.

413
00:21:15,930 --> 00:21:17,133
Where do I go from here?

414
00:21:21,377 --> 00:21:22,620
Hello.
Hello.

415
00:21:22,620 --> 00:21:23,453
How are you?
How you doing?

416
00:21:23,453 --> 00:21:24,286
I'm good. How are you?

417
00:21:24,286 --> 00:21:25,277
I have a eight-month-old.

418
00:21:25,277 --> 00:21:27,810
Like, you can't be without no lights.

419
00:21:27,810 --> 00:21:30,270
I think the first thing is to get you off the streets.

420
00:21:30,270 --> 00:21:32,400
We're gonna do you an emergency grant.

421
00:21:32,400 --> 00:21:34,530
Let's do a $1,500 grant.

422
00:21:34,530 --> 00:21:37,020
This is a new beginning, you know what I'm saying?

423
00:21:37,020 --> 00:21:40,230
I kind of adopted some of the mission that she had

424
00:21:40,230 --> 00:21:42,930
that she didn't get a chance to live out.

425
00:21:42,930 --> 00:21:43,763
Thank you.
You understand?

426
00:21:43,763 --> 00:21:45,072
Yeah, absolutely.
Thank you very much.

427
00:21:45,072 --> 00:21:47,610
I appreciate you.
Absolutely.

428
00:21:47,610 --> 00:21:50,079
It fell on me to carry the torch.

429
00:21:56,550 --> 00:22:00,930
My mother provided such a great example of being a,

430
00:22:00,930 --> 00:22:03,587
of humanity and having compassion

431
00:22:03,587 --> 00:22:07,860
and understanding that life circumstances happen

432
00:22:07,860 --> 00:22:11,760
and when they happen that people need compassion.

433
00:22:11,760 --> 00:22:15,270
People need restoration. People need rehabilitation.

434
00:22:15,270 --> 00:22:16,353
People need love.

435
00:22:24,690 --> 00:22:29,690
I want you and I want you to stand up for a second.

436
00:22:31,710 --> 00:22:33,390
I'm gonna show you something right now

437
00:22:33,390 --> 00:22:35,400
that we don't hardly ever do.

438
00:22:35,400 --> 00:22:39,210
But I want you to, for two minutes, I want you

439
00:22:39,210 --> 00:22:43,290
to look at him in his eyes, and I want you to be with him,

440
00:22:43,290 --> 00:22:46,830
and I want you to be with him for two minutes.

441
00:22:46,830 --> 00:22:48,540
All right, come closer, right here.

442
00:22:48,540 --> 00:22:49,833
Now, don't look off.

443
00:22:54,240 --> 00:22:59,240
When you look in those eyes, think about your kids.

444
00:23:02,340 --> 00:23:04,023
Think about your loved ones.

445
00:23:05,670 --> 00:23:10,143
Think about the setbacks and the wins,

446
00:23:11,220 --> 00:23:14,883
all the hard lessons, and just see all the hurt.

447
00:23:15,810 --> 00:23:19,863
See all the pain. Be with him right now.

448
00:23:23,760 --> 00:23:24,593
Time.

449
00:23:27,261 --> 00:23:29,583
It's all right, it's all right.

450
00:23:29,583 --> 00:23:31,133
It's all right. It's all right.

451
00:23:38,220 --> 00:23:39,053
It's all right.

452
00:23:43,320 --> 00:23:44,490
I seen my big brother,

453
00:23:44,490 --> 00:23:46,725
who I ain't seen since I was 12 years old.

454
00:23:46,725 --> 00:23:51,725
Mm, that say a lot, tell a whole story, you know?

455
00:23:52,560 --> 00:23:54,180
And that was uncomfortable for them.

456
00:23:54,180 --> 00:23:56,820
I know it was, 'cause I've done it before.

457
00:23:56,820 --> 00:23:58,500
But that's a exercise that will help you,

458
00:23:58,500 --> 00:23:59,975
if you're somebody that's introverted

459
00:23:59,975 --> 00:24:02,490
and you're somebody that's kind of in a shell

460
00:24:02,490 --> 00:24:03,690
and help you be more assertive

461
00:24:03,690 --> 00:24:05,490
and help you to be more, you know,

462
00:24:05,490 --> 00:24:08,163
understanding to what other people are going through.

463
00:24:11,640 --> 00:24:14,283
You went to prison, and when you went to prison,

464
00:24:15,150 --> 00:24:16,100
what did that mean?

465
00:24:17,190 --> 00:24:19,050
10 years of my life, I mean-

466
00:24:19,050 --> 00:24:20,273
And where'd that leave you?

467
00:24:21,108 --> 00:24:22,275
Right. Lost.

468
00:24:27,796 --> 00:24:30,690
So you know, when you are secluded from the world

469
00:24:30,690 --> 00:24:33,543
for that amount of time, man, you become behind.

470
00:24:35,400 --> 00:24:39,780
Okay, you 28, 27 now. What you gonna do?

471
00:24:39,780 --> 00:24:42,480
As a Black man, you know,

472
00:24:42,480 --> 00:24:45,840
we're not offered opportunities,

473
00:24:45,840 --> 00:24:48,051
especially after times that, you know,

474
00:24:48,051 --> 00:24:50,603
we may have messed up or made a mistake in our life.

475
00:24:52,380 --> 00:24:55,167
So it's like now, "Okay, I gotta do something."

476
00:24:56,070 --> 00:24:59,167
I always could cut hair, you know, but I just never thought,

477
00:24:59,167 --> 00:25:01,680
"Man, maybe I should go to school."

478
00:25:01,680 --> 00:25:04,320
I went in and enrolled at Washington Barber College.

479
00:25:04,320 --> 00:25:08,580
I learned so much, just things that, you know,

480
00:25:08,580 --> 00:25:09,960
things that you need to know

481
00:25:09,960 --> 00:25:12,303
to sharpen yourself up to be successful.

482
00:25:14,460 --> 00:25:16,230
I did seven years in prison,

483
00:25:16,230 --> 00:25:18,990
seven years, five months, six days to be exact,

484
00:25:18,990 --> 00:25:22,170
on a 30-year sentence, and I sit before you right now

485
00:25:22,170 --> 00:25:25,173
16 years later, and I'm still not free.

486
00:25:26,370 --> 00:25:30,030
I was homeless three times from when I got outta prison.

487
00:25:30,030 --> 00:25:31,590
I was homeless three times.

488
00:25:31,590 --> 00:25:33,810
I went on to the shelters.

489
00:25:33,810 --> 00:25:35,430
Yeah.
Did what I needed to do.

490
00:25:35,430 --> 00:25:37,650
Saved my money up, got out.

491
00:25:37,650 --> 00:25:42,650
But my crime does not make me an eternal criminal.

492
00:25:43,320 --> 00:25:46,590
Right, three of our barbers,

493
00:25:46,590 --> 00:25:48,420
they were formerly incarcerated,

494
00:25:48,420 --> 00:25:50,070
and they were just each sharing the trauma

495
00:25:50,070 --> 00:25:52,650
that they experienced while being there

496
00:25:52,650 --> 00:25:56,730
and how, you know, to be out, it's a huge adjustment.

497
00:25:56,730 --> 00:25:58,830
So on day one, if you have nothing,

498
00:25:58,830 --> 00:26:00,960
you ain't got a toothbrush, no toothpaste,

499
00:26:00,960 --> 00:26:05,010
all of those essential things, you right back at stress one.

500
00:26:05,010 --> 00:26:09,090
Right after they get out, they call me within 72 hours.

501
00:26:09,090 --> 00:26:14,010
I'm able to send their name, their release dates,

502
00:26:14,010 --> 00:26:15,960
and how much time they did,

503
00:26:15,960 --> 00:26:18,120
and then I just email everything over,

504
00:26:18,120 --> 00:26:20,880
and People Trust contacts them,

505
00:26:20,880 --> 00:26:24,510
and they go pick up a $325 grant,

506
00:26:24,510 --> 00:26:25,800
which I think is so great

507
00:26:25,800 --> 00:26:28,950
because coming out of any system,

508
00:26:28,950 --> 00:26:29,940
especially the jail system,

509
00:26:29,940 --> 00:26:31,350
you don't come out with any money.

510
00:26:31,350 --> 00:26:33,870
You, Arlo, have made it possible.

511
00:26:33,870 --> 00:26:36,720
You are looking at everything

512
00:26:36,720 --> 00:26:40,030
from the perspective of inclusion.

513
00:26:40,030 --> 00:26:41,070
Absolutely, absolutely.

514
00:26:41,070 --> 00:26:43,623
See, where for so many years,

515
00:26:44,490 --> 00:26:49,257
I and so many have saw only exclusion.

516
00:26:50,280 --> 00:26:53,070
It's truly community development, and that's developing.

517
00:26:53,070 --> 00:26:54,300
You can't develop a community

518
00:26:54,300 --> 00:26:55,560
if you don't develop the people.

519
00:26:55,560 --> 00:26:56,393
Exactly.

520
00:26:57,600 --> 00:26:59,991
The reason that I do what I do

521
00:26:59,991 --> 00:27:02,250
and what gives me energy to keep going

522
00:27:02,250 --> 00:27:04,650
is equity, equity, equity, equity.

523
00:27:04,650 --> 00:27:07,910
So that means if the way it is over, you know,

524
00:27:07,910 --> 00:27:10,170
on this side of town is, on this side of the freeway

525
00:27:10,170 --> 00:27:11,673
is this way over here as well.

526
00:27:12,630 --> 00:27:16,080
The resources that's over here, the resources over there,

527
00:27:16,080 --> 00:27:18,810
the banks that's over here, banks over here,

528
00:27:18,810 --> 00:27:20,610
money over here, money over there,

529
00:27:20,610 --> 00:27:22,410
credit over here, credit over there.

530
00:27:26,589 --> 00:27:27,559
How you doing?

531
00:27:27,559 --> 00:27:30,120
All right.

532
00:27:30,120 --> 00:27:32,220
You don't do any body work do you?

533
00:27:32,220 --> 00:27:33,053
Little bit.

534
00:27:33,053 --> 00:27:34,570
Little bit?
Not a whole bunch.

535
00:27:35,640 --> 00:27:37,768
How long you been wanting to do this?

536
00:27:37,768 --> 00:27:41,370
Been in an automotive business for 20, 25 years,

537
00:27:41,370 --> 00:27:43,890
running a Jiffy Lube for the last five.

538
00:27:43,890 --> 00:27:48,890
But the owner came and told me

539
00:27:49,350 --> 00:27:51,630
he was selling the business, and so.

540
00:27:51,630 --> 00:27:54,570
When they let you go, you know,

541
00:27:54,570 --> 00:27:56,227
you had to think quick on your feet,

542
00:27:56,227 --> 00:27:57,300
"What am I gonna do now?"

543
00:27:57,300 --> 00:28:00,690
Yeah, but I needed to open up new avenues,

544
00:28:00,690 --> 00:28:03,330
and the biggest one is being able

545
00:28:03,330 --> 00:28:05,160
to get this loan to get started.

546
00:28:05,160 --> 00:28:08,312
Y'all give it up for Lyncola Franklin.

547
00:28:11,490 --> 00:28:13,200
While you were in the program,

548
00:28:13,200 --> 00:28:15,990
you accessed a 3,500 small business loan.

549
00:28:15,990 --> 00:28:18,840
So maybe if we could extend that.

550
00:28:18,840 --> 00:28:19,673
Mm-hmm.

551
00:28:19,673 --> 00:28:21,350
So if we extend the 3,500 that we already gave you

552
00:28:21,350 --> 00:28:24,840
to up to 10,000 and we do it for two years,

553
00:28:24,840 --> 00:28:27,540
your payments would be at like 452 a month.

554
00:28:27,540 --> 00:28:28,680
How soon would you need

555
00:28:28,680 --> 00:28:30,480
before you start making payments?

556
00:28:30,480 --> 00:28:32,460
I would say a couple months

557
00:28:32,460 --> 00:28:33,420
just to get me going.

558
00:28:33,420 --> 00:28:35,040
So maybe we deferred your payments

559
00:28:35,040 --> 00:28:37,080
for 90 days, that'll help you to-

560
00:28:37,080 --> 00:28:38,580
Definitely, I appreciate that.

561
00:28:38,580 --> 00:28:40,350
All right, cool.

562
00:28:40,350 --> 00:28:42,810
My clientele is building.

563
00:28:42,810 --> 00:28:46,590
Mr. Washington, he seen what my future may look like,

564
00:28:46,590 --> 00:28:49,590
and I'm, you know, forever grateful for him believing in me.

565
00:28:50,790 --> 00:28:54,840
As of today, you doing business as Incredible Auto

566
00:28:54,840 --> 00:28:56,887
earned $50,000.

567
00:28:58,230 --> 00:29:00,210
So you got a lease going already?

568
00:29:00,210 --> 00:29:01,043
Yes, ma'am.
You talk to-

569
00:29:01,043 --> 00:29:02,460
This is the outside.

570
00:29:03,304 --> 00:29:04,469
About how many square foot is that?

571
00:29:04,469 --> 00:29:05,970
5,000.

572
00:29:05,970 --> 00:29:07,470
[whistles] It's nice.

573
00:29:09,390 --> 00:29:12,300
It's like my dream finally becoming a business owner

574
00:29:12,300 --> 00:29:16,830
and not having to work for anybody else again.

575
00:29:16,830 --> 00:29:18,543
I work for myself now.

576
00:29:20,550 --> 00:29:23,071
Thank y'all. I really wanna shed some tears, man.

577
00:29:23,071 --> 00:29:23,904
You're your own boss.
And I don't have to worry

578
00:29:23,904 --> 00:29:25,590
about somebody selling the business

579
00:29:25,590 --> 00:29:27,337
and somebody coming in and telling me,

580
00:29:27,337 --> 00:29:30,057
"Hey, we don't wanna continue with you anymore."

581
00:29:31,290 --> 00:29:32,913
Here I am, three months later.

582
00:29:34,890 --> 00:29:37,980
When you investing in something that you love to do,

583
00:29:37,980 --> 00:29:39,630
it makes everything a lot easier.

584
00:29:59,190 --> 00:30:01,620
We felt like that if we could redevelop

585
00:30:01,620 --> 00:30:03,960
and change this corner,

586
00:30:03,960 --> 00:30:07,230
that it would help turn the neighborhood.

587
00:30:07,230 --> 00:30:12,210
Once they can put funds here and deposits,

588
00:30:12,210 --> 00:30:15,270
then we're not going to allow the money

589
00:30:15,270 --> 00:30:17,010
to go outside of this community.

590
00:30:17,010 --> 00:30:19,660
We're going to put the money back into the community.

591
00:30:21,120 --> 00:30:23,130
And it's gonna scare some people.

592
00:30:23,130 --> 00:30:25,083
It's gonna scare the hell out of 'em,

593
00:30:26,220 --> 00:30:31,220
because now you can see that it can be done,

594
00:30:31,220 --> 00:30:32,793
so you have no more excuses.

595
00:30:34,140 --> 00:30:38,160
Those institutions that are in place right now

596
00:30:38,160 --> 00:30:40,260
are not gonna idly sit back.

597
00:30:40,260 --> 00:30:42,450
You don't think? They don't care about this.

598
00:30:42,450 --> 00:30:46,473
Yes, they do, because if this catches on,

599
00:30:48,690 --> 00:30:50,520
it becomes a threat.

600
00:30:50,520 --> 00:30:51,540
You really believe that.

601
00:30:51,540 --> 00:30:52,890
Mark my word,

602
00:30:52,890 --> 00:30:54,482
because it will-
What kind of threat?

603
00:30:54,482 --> 00:30:55,980
Because it can inspire others

604
00:30:55,980 --> 00:30:58,743
to think that they can be free.

605
00:31:00,180 --> 00:31:01,773
This is about being free.

606
00:31:08,670 --> 00:31:13,670
Economic justice is right and wrongs, fixing the system,

607
00:31:15,540 --> 00:31:18,183
you know, some type of repayment for injustice.

608
00:31:21,780 --> 00:31:24,210
A tree is known by the fruit that it bears.

609
00:31:24,210 --> 00:31:29,160
So if I don't see any fruit, then I don't see any impact.

610
00:31:29,160 --> 00:31:31,680
So if you have money and you have wealth

611
00:31:31,680 --> 00:31:34,923
and you can't create impact, what's the point?

612
00:31:36,090 --> 00:31:40,500
What is justice? What does it mean for me?

613
00:31:40,500 --> 00:31:43,320
What does it mean for people of color?

614
00:31:43,320 --> 00:31:48,270
Justice is just not quite yet available for everybody.

615
00:31:48,270 --> 00:31:51,570
Justice, justice.

616
00:31:51,570 --> 00:31:53,670
It's just being a Black man in this world,

617
00:31:56,070 --> 00:31:56,903
man, good luck.

618
00:31:57,900 --> 00:31:59,520
Justice is something that we need,

619
00:31:59,520 --> 00:32:01,590
but that's what we're fighting for.

620
00:32:01,590 --> 00:32:06,510
Right now, today I can look at justice as empowerment.

621
00:32:06,510 --> 00:32:10,348
Just doing what's right and being fair.

622
00:32:14,280 --> 00:32:16,860
You ever heard that phrase, "Get your money right"?

623
00:32:16,860 --> 00:32:19,230
I gotta help the community get their money right.

624
00:32:19,230 --> 00:32:20,520
The community has to get their money right,

625
00:32:20,520 --> 00:32:23,133
and this is an opportunity to get the money right.

626
00:32:24,930 --> 00:32:28,353
So I'm on a mission, and it ain't over.

627
00:32:33,360 --> 00:32:34,403
It's just begun.


