Artificial Intelligence didn’t start in Silicon Valley—and it didn’t start recently. Long before today’s AI boom, a Black scientist laid critical groundwork that modern AI systems still rely on. In this video, we uncover the overlooked history behind AI and why the title “Father of AI” deserves a deeper, more honest conversation.

We break down the legacy of David Blackwell, a pioneering mathematician and statistician whose work in probability theory, game theory, and decision-making under uncertainty directly influences how machines learn, optimize, and make decisions today. From Markov decision processes to statistical inference, Blackwell’s contributions shaped the mathematical foundation of artificial intelligence—yet his name is rarely mentioned. This is the history many were never taught.

#ArtificialIntelligence #DavidBlackwell #BlackHistory #HiddenHistory #AIOrigins #STEM #BlackExcellence #TechHistory #EarnYourLeisure #MarketMondays

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In this powerful clip from Market Mondays, Vic Mensa joins Rashad Bilal for a candid discussion that dives deep into identity, unity, and the divisive narratives that have shaped perceptions among Black Americans and Africans. Vic Mensa shares his personal story of being mixed race—his father from Ghana and his mother from America—and addresses the complexities and sensitivities surrounding his background.

The conversation shines a spotlight on the manufactured divisions between Black American and Black African communities, which Vic Mensa argues are perpetuated to prevent collective empowerment. He credits Black Americans with creating the most influential culture globally, and points out the economic and population growth on the African continent, emphasizing the transformative potential if both groups unite.

Vic Mensa challenges the anti-African narrative often found online and calls attention to similar misunderstandings pushed by some Africans about their Black American counterparts. Together, he and Rashad Bilal unpack the harmful stereotypes spread by media, confronting issues that impact identity, history, and self-worth within both communities.

The clip ends with a heartfelt appeal for unity, stressing that true freedom and advancement can only be achieved when Black Americans and Africans come together—recognizing their collective strength and shared heritage.

Tune in for an honest conversation that pushes past division and encourages us all toward unity, empowerment, and cultural pride.

**Hashtags:** 

#VicMensa #MarketMondays #BlackUnity #FBA #AfricanDiaspora #BlackCulture #Identity #MediaNarrative #RashadBilal #Ghana #BlackHistory #AfricanEmpowerment #Unity #HiddenColors #Empowerment #CultureClip

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In this Market Mondays clip, Rashad Bilal, Ian Dunlap, and Troy Millings dive deep into the world of "downward stocks," discussing some of the most prominent tech giants currently facing stock declines. The conversation kicks off with Rashad Bilal listing major losses: Netflix down by 34%, Meta by 22%, Microsoft by 17%, Tesla by 12%, and others. Which one is the most appealing right now? Ian Dunlap breaks down his long-term confidence in all of them but singles out Microsoft as his top short-term pick, followed closely by Tesla and Netflix. The discussion quickly pivots to Netflix’s latest ventures—from content strategy concerns to rumors about launching its own music streaming service and potentially signing superstars like Drake. Rashad Bilal voices his worries over Netflix's content quality and shifting focus but acknowledges the platform’s heavy-hitting original series and recent foray into live sports and blockbuster documentaries. Troy Millings sheds light on Netflix’s traditionally strong fourth and first quarters—pointing out successes like Stranger Things, Squid Game, and live sporting events, emphasizing optimism around Netflix’s near-future earnings and strategic partnerships, particularly regarding a potential Warner Brothers deal. Turning to Microsoft, Rashad Bilal and Ian Dunlap analyze the company’s flat stock performance over the past year. Ian Dunlap suggests Microsoft’s growth trajectory hinges on onboarding a new AI partner and the potential public offering of OpenAI, which could serve as major catalysts. He also draws parallels between Microsoft’s situation and opportunities in Bitcoin, highlighting potential long-term value despite recent stagnation. And let’s not forget Tesla—Ian Dunlap hints at the company's ongoing reinvention, distancing itself from merely being a car manufacturer and embracing advancements in autonomous tech, signaling renewed focus and long-term vision. Whether you’re an investor, tech enthusiast, or just want the inside scoop on today’s most-watched stocks, this clip offers premium insights and lively debate on what’s next for some of the market’s biggest names. Watch to hear which stocks the Market Mondays crew are watching most closely and why. *#MarketMondays #Stocks #Netflix #Microsoft #Tesla #TechStocks #Investing #AI #StreamingWars #FinancialAnalysis #StockMarket #LongTermInvesting #IanDunlap #RashadBilal #TroyMillings*

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Ready to buy a home or level up your finances? In this clip from "Black Out with Ian & Rashad," credit expert Jose Rodrigues breaks down everything you need to know about boosting your credit score and getting mortgage-ready.

Jose dives deep into the real facts behind credit reporting and scoring. Find out why checking your credit monthly (or even weekly!) is a game-changer, and how knowing what’s on your report can save you from surprises when you apply for that dream home. Jose explains why your credit data matters more than your actual score, the truth about payment history and credit utilization, and why one small late payment can drop your score by 60 points!

Discover the five main categories that impact your score the most, from payment history to credit mix and inquiries. Wondering about those “hard pulls” and how much they really hurt? Jose has the answers—spoiler: late payments and collections hit harder than inquiries.

Get advice on using tools like Self Lender and Petal Credit Card to build credit from scratch, and learn how to work with local credit unions for a stronger financial foundation. If you already have credit cards, hear why paying them down aggressively (not just to 30%) can boost your mortgage approval power.

Jose also touches on student loans, how to handle negative marks, and the advantages of using business credit to keep your personal score high. Thinking about leveraging your LLC for business vehicles? He explains why this move can help you borrow more when home shopping.

Don’t get tripped up by mistakes like maxing cards before your mortgage pull or relying on Credit Karma’s limited reports. Jose gives actionable steps for REAL credit improvement—no fluff.

If you want to raise your credit score fast, make smarter moves before buying real estate, or just get your financial life on track, this clip is loaded with practical tips.

**Timestamps (rough guide):**
- Why and how to check your credit (00:00:00)
- Understanding score categories and point breakdown (00:01:17)
- How payment history and utilization impact your score (00:02:13)
- Building credit with Self Lender, Petal, Capital One, and credit unions (00:05:00)
- Avoiding trade lines for mortgages – do it yourself or authorized user tips (00:06:05)
- The impact of credit card balances and limits (00:06:43)
- Using business credit and moving car loans off personal credit (00:09:02)
- Student loans, forbearance, and default solutions (00:08:23)

**Listen now to take the guesswork out of raising your credit score!**

**#CreditScore #HomeBuying #FinancialTips #JoseRodrigues #CreditRepair #MortgageTips #CreditUtilization #BusinessCredit #CreditCardDebt #PersonalFinance #BlackOutPodcast**

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Jump in, get the insights, and start building a credit profile that unlocks doors—literally. 

Subscribe for more smart money advice each week!

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In this clip from Market Mondays, Rashad Bilal and Ian Dunlap dive deep into the dramatic developments surrounding OpenAI. They tackle the recent lawsuit against the company, growing questions about leadership, and the fierce competition from major players like Google’s Gemini, Anthropic, and Meta. Rashad Bilal highlights the risks developers face with proprietary information uploaded to OpenAI, pointing out unsettling claims that some product outputs mirror confidential data. He discusses how Elon Musk's ongoing legal battle with OpenAI underscores wider issues, including shifting sentiment towards CEO Sam Altman and Microsoft’s strategic maneuvers—like moving Azure clients to other large language models. Ian Dunlap digs into OpenAI’s financial challenges. Even with an impressive $20 billion in revenue, their high spending has kept them unprofitable, prompting the unexpected introduction of ads on ChatGPT. Ian explains how competitors, like Google’s Gemini, are leveraging OpenAI’s struggles to strengthen their own platforms by pledging never to run ads. The conversation uncovers how OpenAI’s support network—from Microsoft, Oracle, and Nvidia to SoftBank and Broadcom—remains strong, but not unshakeable. Both Rashad and Ian emphasize that erratic leadership and mounting negative press could erode investor confidence and accelerate an exodus to rival platforms, especially as Anthropic nears a public offering and gains customers like Microsoft. The hosts also touch on concerning rumors emanating from San Francisco about the origins of OpenAI and the transition from nonprofit to for-profit status. They suggest leaders need composure and credibility to succeed at the helm of a company driving the future of artificial intelligence. Join Market Mondays as Rashad Bilal and Ian Dunlap break down the high-stakes battle for AI supremacy, exploring OpenAI’s opportunities and challenges—and what this means for the future of tech. *Don’t forget to like & subscribe for more insights on business, investing, and tech!* #OpenAI #MarketMondays #ArtificialIntelligence #TechNews #SamAltman #Microsoft #Anthropic #Gemini #ElonMusk #Nvidia #IanDunlap #RashadBilal #AIWars #BusinessInsights

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In This Earn Your Leisure Interview, We Sit Down With Dan Fleyshman To Break Down One Of The Most Unconventional Business Journeys Ever. From Becoming The Youngest Person In History To Take A Company Public At 23, To Building Multimillion-Dollar Businesses, Dan Shares What It Really Takes To Win Early—and Stay In The Game Long Term. We Dive Deep Into The Real Pros And Cons Of Running A Public Company, How A $2.4 Million Investment Turned Into A Six-Figure-Per-Week Poker Business, And Why Losing $65 Million In A Single Day Ended Up Being The Best Thing That Ever Happened To Him. Dan Also Explains Why Most Companies Fail, The Importance Of Capital Management, And Why Creative Marketing Is The Only Way Startups Can Compete With Conglomerates. Dan Breaks Down His 40/40/20 Investing Strategy, How He Identifies Winning Companies, The Business Model Behind Influencers Making Real Money, And How To Successfully Pitch Brands. This Episode Is A Masterclass On Risk, Branding, Social Media, And Building Sustainable Wealth In A Noisy World. Invest Fest Tickets: investfest.com #EarnYourLeisure #DanFleyshman #Entrepreneurship #Investing #BusinessGame #IPO #PersonalBrand #SocialMediaBusiness #StartupLessons #WealthBuilding #MarketingStrategy

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Welcome back to Market Mondays In this insightful clip, Troy Millings sits down with Matt Garland—better known as MG the Mortgage Guy—to unpack the biggest trends, myths, and strategies shaping the 2026 real estate landscape.

MG the Mortgage Guy drops gems you won’t hear anywhere else about home ownership, interest rates, economic shifts, and how anyone—regardless of starting point—can build generational wealth through smart real estate moves. From debunking the internet “housing crash” rumors to revealing why now is one of the best times to buy, MG gives his unfiltered, expert perspective after 23 years in the mortgage industry.

Highlights in this clip:
- Why a housing crash isn’t coming (and who benefits from these rumors)
- The truth about interest rates, government policies, and what buyers can expect heading into 2026 and 2027
- Game-changing down payment assistance programs, ADU options, and how new loan rules can help buyers qualify in expensive cities
- The power of group buying, family compounds, and multi-generational living to get on the property ladder
- Controversial advice about renting vs. buying your own home (and why it’s not “either/or” for Black and Brown communities seeking wealth)
- Why listening to real estate “gurus” could cost you your shot at generational wealth

Plus, Troy and MG discuss the critical mindset shifts, planning strategies, and simple hacks to thrive—whether you’re a first-time buyer or looking to scale up your real estate investments. MG addresses common mistakes high income earners and entrepreneurs make, and why a solid “mortgage plan” is your secret weapon.

Ready to turn knowledge into action? Hit play and take notes, because this clip might change how you approach real estate forever.

Don’t forget to like, comment, and subscribe for more unfiltered convos and wealth-building wisdom!

**#RealEstate2026 #HomebuyingTips #MortgageAdvice #BlackOutPodcast #MGMortgageGuy #TroyMillings #GenerationalWealth #FinancialLiteracy #InterestRates #InvestFest #EarnYourLeisure #HousingMarket #ADU #DownPaymentAssistance #GroupBuying #FamilyCompound #BlackWealth #EconomicEmpowerment #SmartMoneyMoves**

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In this Market Mondays clip, join Rashad Bilal, Ian Dunlap, and Troy Millings as they break down the outlook for gold, silver, and other precious metals heading into 2026. The trio dives deep into why gold and silver are hitting historic highs, forecasting where prices could peak, and what investors need to watch out for in these turbulent times.

Ian analyzes the connection between precious metals, economic threats, and historic moments such as the pre-Covid era, the European debt crisis, and the 2008 crash. He projects that in a worst-case scenario, gold could reach $5,480 an ounce, with silver potentially soaring to $153 or even $1,054. The discussion examines how economic instability, geopolitical tension, and uncertain leadership continue to drive investors to safer assets.

Troy points out that major banks and analysts, like J.P. Morgan and HSBC, have gold targets of $5,000 an ounce by Q4 of 2026, emphasizing that supply chain issues, instability, and a weakening dollar are fueling these bullish predictions. He recalls Robert Kiyosaki's early advocacy for silver and notes how commodities often thrive during times of global uncertainty.

Rashad provides context on the U.S. national debt’s rapid growth and its impact on dollar value, highlighting how increased government spending under recent administrations contributes to the ongoing bull market for stores of value like gold, silver, and even Bitcoin. He relays insight from Mike Novogratz, who forecasts a gold price of $10,000 if spending continues at its current pace.

Together, the Market Mondays team discusses the fading confidence in American economic leadership and traditional finance, how corporate profits are consolidating into a handful of companies, and why market highs aren’t telling the full story about the broader economy. They also touch on the potential for Bitcoin and other digital assets as additional stores of value, and tease upcoming conversations around platinum, copper, and rare earth elements.

**WHAT YOU’LL LEARN IN THIS CLIP:**  
- Expert predictions for gold and silver prices in 2026  
- The connections between economic crises, government debt, and precious metals  
- Analyst expectations from J.P. Morgan, HSBC, Morgan Stanley and more  
- Impacts of geopolitical turmoil and the weakening U.S. dollar  
- Why investors are turning to gold, silver, Bitcoin, and other commodities  
- Insights about the current state of big tech and S&P 500 performance  
- A peek at platinum, copper, and rare earth metals investment trends

Stay ahead of the market and understand how macroeconomic pressures and political events shape your investing strategy. Don’t miss this Market Mondays clip if you’re serious about wealth preservation and opportunity in uncertain times.

**Subscribe for more market insights and wealth-building strategies!**  
#Gold #Silver #Investing #MarketMondays #PreciousMetals #2026Forecast #Bitcoin #Stocks #Economy #Finance #WealthBuilding

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In this candid Market Mondays clip, Rashad Bilal, Troy Millings, and Ian Dunlap dive into how their investing beliefs have evolved, sharing real-life shifts in perspective that can help every investor sharpen their game. Troy Millings kicks off by explaining why he’s had a change of heart about stocks priced under $25—especially in changing political and economic environments. While he was once wary of these "cheaper" stocks, Troy now sees their potential for major short-term gains, emphasizing that swing trades (rather than long holds) may be the best strategy in certain market climates. Ian Dunlap gets honest about his long-held conviction that Disney could dethrone Netflix as the top streaming giant. Drawing on years of data, updates on Disney’s streaming and ESPN efforts, and a comparison to the S&P’s performance, Ian reveals why he no longer sees Disney as a challenger to Netflix’s crown and questions whether Disney should have even entered the streaming wars. Rashad Bilal provides a valuable lesson for new and experienced investors alike, unpacking the popular advice to "invest in what you use and know." Instead, Rashad suggests going a step further: invest in companies the world *needs*—not just the ones you personally love. Whether it's Apple, semiconductor giants, or companies essential to healthcare, Rashad highlights why focusing on necessity over personal preference can lead to stronger investing outcomes. Together, Rashad, Troy, and Ian bring humor, honesty, and practical wisdom—showing that the best strategies often come from re-examining old beliefs and staying open to new ideas. *Don’t miss out on these key insights:*

• Reconsidering undervalued stocks in unique market conditions
• The realities behind Disney’s streaming business and legacy
• Why loving a company isn’t enough—and what to look for instead
• A practical approach to building a resilient, smart portfolio

If you appreciate real talk about money, mindsets, and markets, hit like, subscribe, and let us know in the comments: What investing belief have you changed your mind on? #MarketMondays #Investing #StockMarket #Disney #Netflix #PersonalFinance #InvestmentStrategy #Stocks #FinancialFreedom #TechStocks #MarketTrends #MoneyTalks #FinanceClip --- *Stay tuned for more discussions, unfiltered opinions, and the tools to grow your wealth with Rashad, Troy, and Ian.*

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In this insightful clip from Market Mondays, Rashad Bilal, Ian Dunlap, and Troy Millings dive deep into the future of software companies in the rapidly evolving AI era. As artificial intelligence transforms every industry, which tech titans are set to thrive—and who is at risk of falling behind? Ian Dunlap highlights "AI indestructible" companies, naming SAP, Intuit, and ADP as strong contenders, while noting that well-known names like Duolingo and Adobe may face challenges. The panel debates the obvious winners—like Microsoft, with its Copilot integration and innovation through Azure—and discuss sleeper picks such as ServiceNow, lauded for its forward-thinking leadership and connectivity solutions. The discussion shifts to the race for an "agentic AI stack": an AI platform that can handle personal tasks like answering all your emails hands-free. Rashad Bilal and Ian Dunlap weigh in on whether Google, Apple, Microsoft, or Tesla will be first, with Google considered a front-runner thanks to its deep AI roots and integration with essential services like email and calendar. However, Rashad argues Apple’s dominance in vertical integration (managing texts, music, calendar, and email on a device most Americans use) gives it an edge—if it can catch up in AI investments. The clip doesn’t shy away from tough criticism of Apple’s leadership, with Rashad questioning Tim Cook's strategy and pointing out that Apple was offered the same deal that made Microsoft an AI leader—and turned it down. While Apple products remain indispensable and its ecosystem robust, signs of underinvestment in AI are causing market cap slippage and stirring calls for leadership change. Comparisons are drawn to companies that failed to keep up with innovation in the past—like BlackBerry and Intel—serving as a cautionary tale for Apple if it doesn’t shake things up. The hosts discuss what Apple should do next, from innovating through major acquisitions to fostering new executive leadership capable of driving AI progress. The debate closes with a reflection on whether being top of the market is enough—or if Apple, like in sports, needs new leadership to set a winning culture. Are Tim Cook’s days numbered, and is internal succession already in motion? Don’t miss this candid, thought-provoking conversation on how AI is reshaping the tech landscape for giants like Apple, Google, Microsoft, Amazon, Meta, and more. *Hashtags:* #AIEra #TechStocks #MarketMondays #Apple #Google #Microsoft #Innovation #Investing #TimCook #AIInvesting #TechTalk #SoftwareStocks #FutureOfAI #ServiceNow #SAP #Intuit #Amazon #Meta

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On today’s episode of Earn Your Leisure, we sit down with Kwaku Bediako, founder of Chocolate Clothes Global, for a powerful conversation on fashion, culture, and building a global brand with African roots 🌍👕. Kwaku breaks down what inspired him to expand Chocolate Clothes Global, how a six-month run on CNN helped legitimize and scale the brand, and why African influence is shaping global fashion more than ever. He also shares how America played a role in the brand’s evolution, the mentality required to succeed as a fashion designer, and the realities of building a business on the continent. We dive into pivotal moments—including a styling opportunity with Steve Harvey, lessons from a missed chance to style Naomi Campbell, and how Chocolate Clothes Global landed a partnership with the NBA. From building a subscription model to understanding why organic growth takes time, this episode is packed with real gems for creatives, entrepreneurs, and anyone looking to build something meaningful and global. #EarnYourLeisure #ChocolateClothesGlobal #AfricanFashion #FashionBusiness #BlackOwnedBusiness #GlobalBrand #Entrepreneurship #CreativeEconomy #AfricanCreators #FashionIndustry #BusinessFromAfrica #CulturalImpact #BrandBuilding #SubscriptionBusiness #NBApartnership #OrganicGrowth

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