Podcast
Earn Your Leisure
Welcome to The Earn Your Leisure Podcast. Rashad Bilal and Troy Millings will be your host. Earn Your Leisure will be giving you behind the scenes financial views into the entertainment and sports industries as well as highlighting back stories of entrepreneurs. We will also be breaking down business models and examining the latest trends in finance. Earn Your Leisure is a college business class mixed with pop culture. We blend the two together for a unique and exciting look into the world of business. Let’s go!! #earnyourleisurepodcast
- Investing chart
- #75
- Episodes
- 1,606
- Releases
- Daily
- Typical length
- 12 min
- On air since
- 2019
- Latest episode
- 9 hours ago
Episodes
1,606 episodes, newest first
-
12 min
The AI Boom Is Hiding a Dangerous Financial Problem
Show notes
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12 min
BLACK FAMILY NET WORTH IS TOO LOW FOR LOW-LEVEL CONVERSATIONS‼️
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Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
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12 min
The Middle-Class Wealth Trap Nobody Warns You About
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Market Monday Clips - https://bit.ly/4zBtFnx
Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
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10 min
Robert Smith Explains Private Equity vs. Venture Capital
Show notes
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Market Monday Clips - https://bit.ly/4zBtFnx
Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
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1 hr 9 min
YOU’RE OVERPAYING FOR YOUR PHONE BILL—HE BUILT A $1 BILLION BUSINESS MAKING IT FREE 👀
Show notes
Are you getting ripped off on your cell phone bill? On this episode of Earn Your Leisure, we sit down with TextNow founder Derek Ting to break down how he built a free mobile phone service that has generated $1 billion in lifetime revenue. From a backdoor hack to its first million users through word of mouth, Derek shares the story behind TextNow and what it takes to serve 10 million active users while challenging the telecom industry.
We explore his entrepreneurial journey, from building a BitTorrent tracker at 15 to turning $8,000 into $80,000 through stock investing. Derek explains why building products matters more than chasing investors—and the mindset behind driving a $350,000 car while refusing to pay for parking.
We also dive into how AI is changing the way people learn programming and build businesses. Derek shares his perspective on vibe coding, why AI creates a competitive advantage for tech companies, and whether it represents a bigger threat or opportunity. Plus, we discuss what the next 10 years could look like as AI reshapes how we work and live.
Chapters:
Chapters
00:00 Opening highlights
01:36 Introducing Derek Ting and TextNow
02:44 How TextNow service works
04:58 Starting TextNow in college
07:29 Early texting technology and iPod users
09:34 Reducing phone bills and switching carriers
13:32 Funding free service with ads
14:26 First business and BitTorrent
18:00 Apple Card paid partnership
19:27 Learning to code and choosing entrepreneurship
22:29 Learning business operations
23:10 Fundraising, bootstrapping and profitability
27:00 AI tools and product development
29:34 AI safeguards and the future of work
32:35 Advertising revenue and pricing evolution
36:27 Customer acquisition and platform fees
38:00 Carrier competition and the AT&T partnership
39:07 Scaling infrastructure for millions of users
41:55 Apple stock and investing lessons
44:50 Frugality, spending and finding value
50:48 Revisiting email-to-text technology
52:12 Using TextNow internationally
52:52 Marketing campaign and personal interests
54:41 Future tools for small businesses
57:42 Phone prices, consolidation and network upgrades
1:02:07 Phone health concerns and screen time
1:03:26 Growth goals and lower-cost data
1:04:14 Second lines and replacing existing service
1:07:00 Saving on family phone plans
1:08:02 Closing and where to find TextNow#EarnYourLeisure #TextNow #DerekTing #Entrepreneurship #Business #ArtificialIntelligence #AI #Tech #Investing #VibeCoding #TelecomSubscribe to EYL - https://bit.ly/4jnU7Mr
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Earn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2EYL Highlights - https://bit.ly/4yqCvn9
EYL Clips - https://bit.ly/3Wqpz32
Market Monday Clips - https://bit.ly/4zBtFnx
Black Out Clips - https://bit.ly/4zxnr7ZJoin the EYL community for deeper training and a more detailed approach:
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-
18 min
"What's Your Way Of Resolving Conflicts?" 19Keys Ft Rashad Bilal
Show notes
Subscribe to EYLClips - https://bit.ly/4yqBw6r
Subscribe to EYL - https://bit.ly/4jnU7MrWatch more from the EYL Network:
EYL Highlights - https://bit.ly/4yqCvn9
EYL Clips - https://bit.ly/3Wqpz32
Market Monday Clips - https://bit.ly/4zBtFnx
Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
https://www.eyluniversity.comJoin the number one stock club in the world:
https://www.ianinvest.com#earnyourleisure
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-
10 min
Avoid These 10 Overhyped Stocks Before It Destroys Your Portfolio
Show notes
Subscribe to EYLClips - https://bit.ly/4yqBw6r
Subscribe to EYL - https://bit.ly/4jnU7MrWatch more from the EYL Network:
EYL Highlights - https://bit.ly/4yqCvn9
EYL Clips - https://bit.ly/3Wqpz32
Market Monday Clips - https://bit.ly/4zBtFnx
Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
https://www.eyluniversity.comJoin the number one stock club in the world:
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-
12 min
Why People Making $500,000 Are Broke!
Show notes
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Market Monday Clips - https://bit.ly/4zBtFnx
Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
https://www.eyluniversity.comJoin the number one stock club in the world:
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-
11 min
Steve Harvey on Raising Kids Who Never Had to Struggle
Show notes
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Market Monday Clips - https://bit.ly/4zBtFnx
Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
https://www.eyluniversity.comJoin the number one stock club in the world:
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-
12 min
Every Investor Should Run This Test before Buying any Stock
Show notes
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Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
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-
1 hr 11 min
🚨 THE #1 CAREER TO GET INTO BEFORE IT’S TOO LATE—AND THE COLLEGE DEGREES TO AVOID
Show notes
Morgan DeBaun joins Earn Your Leisure for an in-depth conversation about building Blavity, raising $12 million in funding, and creating AfroTech. She explains what inspired her journey, why she might have approached fundraising differently in hindsight, and how Blavity generates revenue without compromising its integrity for advertising dollars.
We break down the business behind AfroTech, including Morgan’s strategy for scaling the conference, securing corporate sponsorships, measuring its economic impact, and selecting the right host city. She also explains what corporations look for before sponsoring an event and why entrepreneurs should focus on building great companies that can shape the future.
The conversation also explores the future of technology: the lack of Black representation in tech, why cybersecurity may be the most important career to pursue, which college degrees are still worth the investment, and the growing risks of artificial intelligence. We discuss AI regulation, data centers, China’s global influence, artificial superintelligence, and whether the Black media industry is facing a serious crisis.
EarnYourLeisure #MorganDeBaun #Blavity #AfroTech #Entrepreneurship #Technology #ArtificialIntelligence #Cybersecurity #CorporateSponsorship #BlackMedia #BlackTech
00:00 AI Power Imbalance
00:19 Media Money Pressures
00:41 Cybersecurity And Regulation
01:33 Meet Morgan DeBaun
02:58 Blavity Origin Story
05:56 Building Black Tech Pipeline
07:18 Venture Capital Tradeoffs
09:58 Ads Subscriptions And AI
15:03 AfroTech Scaling Playbook
16:23 Sponsors Recruiting And ROI
21:28 Metrics Ecosystem And Parties
23:36 Choosing Cities Going Global
28:05 Tech Wealth Gap And Inclusion
31:16 Careers Cybersecurity Energy
33:27 Degrees To Pursue Avoid
35:46 Degrees AI Can Replace
36:14 Which Majors Matter
37:09 Career Path Strategy
38:16 AI Regulation Power Grab
39:36 Rogue AI Accountability
41:52 Global Race Reality
44:01 Fear Versus Literacy
45:06 Teaching Politicians AI
46:50 Data Centers Environment
48:32 Propaganda And Perception
52:44 AGI Superintelligence Debate
57:57 AI Agents Daily Workflow
59:31 Privacy And Model Choice
01:00:20 Future Of Black Media
01:03:22 AfroTech 2026 Preview
01:04:25 Handling Critique Online
01:06:41 Mission Over Discourse
01:10:41 Closing Thanks And OutroSee https://omnystudio.com/listener for privacy information.
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9 min
The REAL Reason Nvidia is Unstoppable
Show notes
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Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
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12 min
The 18-6 Fasting Secret That Reverses Disease
Show notes
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Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
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11 min
Micron’s December 9 Deadline,What Investors Need to Know
Show notes
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Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
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10 min
Steve Harvey Explains How He Stopped Giving Away His Money in Hollywood
Show notes
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Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
https://www.eyluniversity.comJoin the number one stock club in the world:
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-
12 min
144,000 Evictions The Economic Crisis Nobody Sees Coming
Show notes
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Black Out Clips - https://bit.ly/4zxnr7ZEarn Your Leisure - https://bit.ly/4e6VJ9S
Market Mondays - https://bit.ly/4zzN7kt
Black Out - https://bit.ly/3VPSai2Join the EYL community for deeper training and a more detailed approach:
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-
59 min
🚨BILLIONAIRE DAVID RUBENSTEIN WARNS: AMERICA’S IS $100 TRILLION IN DEBT—ONLY THING TO SAVE US!
Show notes
In this powerful conversation, billionaire investor and Baltimore Orioles owner David Rubenstein discusses his journey from working for President Jimmy Carter to co-founding The Carlyle Group just one month before the historic 1987 stock market crash. He shares the hardest parts of building one of the world’s largest investment firms, now managing $485 billion in assets, and explains what he looks for when investing in private companies.
Rubenstein also breaks down America’s growing debt, stock market uncertainty, recession cycles, private equity, AI, China, and the devaluation of money. He explains why sports franchise values have skyrocketed, the economics of owning a professional team, and the biggest challenges facing Major League Baseball.
Plus, he reveals how he missed the opportunity to own 20% of Amazon and how passing on an early $30,000 investment in Facebook may have cost him more than $100 billion.
#EarnYourLeisure #DavidRubenstein #CarlyleGroup #Investing #PrivateEquity #StockMarket #ArtificialIntelligence #BaltimoreOrioles #Business #Economy #Wealth
See https://omnystudio.com/listener for privacy information.
-
12 min
Coinbase is FINISHED! Why Robinhood Just Won The Entire Market?
Show notes
Subscribe and watch more videos
here: https://www.youtube.com/@EarnYourLeisureJoin the EYL community for deeper training and a more detailed approach:
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-
4 min
Tabitha Brown Saved Her Life By Going Vegan For 30 Days
Show notes
Subscribe and watch more videos
here: https://www.youtube.com/@EarnYourLeisureJoin the EYL community for deeper training and a more detailed approach:
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-
49 min
Larenz Tate on Black Hollywood, British Actors Taking Over Film, Finances, & Working with 50 Cent
Show notes
Subscribe and watch more videos
here: https://www.youtube.com/@EarnYourLeisureJoin the EYL community for deeper training and a more detailed approach:
https://www.eyluniversity.comJoin the number one stock club in the world:
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