Survival Mode to Thrival Mode

Yolo has a price tag! Host Nicole Russell-Wharton sits down with Rashad Bilal & Troy Millings, the founders of Earn Your Leisure — a highly popular financial literacy platform, podcast and business. Their platform approaches finance from a practical, "assets over liabilities" perspective, breaking down complex wealth-building concepts into language that is accessible to everyday people. In this episode, they talk about how two best friends from the suburbs of New York built one of the most influential financial literacy platforms in the world, and what it really takes to get there. From recording in a dining room with iPhones to becoming New York Times bestselling authors and creators of Invest Fest and EYL University, Rashad and Troy break down the mindset, strategy, and daily habits behind their success — and what young people need to hear right now. You’ll learn: How Earn Your Leisure started (and why the audience demanded it) The difference between earned leisure and entitled leisure (aka laziness) How they're using AI every single day in their business and investing How young people can use AI to build their finances Hard work vs. smart work — what's the difference? Their advice for anyone starting with no savings, no credit, and no blueprint YOLO vs. planning for the future — can you do both?  Key Moments: 04:17 Rashad explains how EYL was born from audience demand 07:25 Troy breaks down how he created the name as a hashtag, inspired by LeBron's "Earned Not Given" motto 09:20 Nicole asks in order to start a successful business, can you have a balance of working extremely hard and having “living a soft life”? 11:21 Troy talks about incorporating hard work with smart work.   13:33 Feeding AI ideas and then getting its feedback 15:50  Nicole asks is there a relationship that our young people should be building with AI to improve their relationship with their finances? 16:47 Troy talks about using AI as a tool that can give you everything you need to know about finance.  37:12 Troy talks about going from survival mode to “thrival” mode.  Connect with Earn Your Leisure: https://eyluniversity.com A Podcast Presented by Precious Dreams Foundation