I agree with this dude 100 percent . As a Mexican American and insurance broker , I personally have experienced how minorities lack basic knowledge on financial matters, most have no type of insurance or retirement plan and is pretty sad . Jews and other races have years of compound knowledge and wealth . We need to step our game up as minorities and educate our people on finances to secure a better future .

I'm deleting all social media. I'm going to start reading, talking to real people and focusing on reality. Any objections?

Financial literacy is low many of our black communities. Pilot is right! Economics should education should be discussed in the house, the same way Love&Hip-Hop is discussed!!!

who said smart wasn't cool? this brother is sharp!

Listen Up, he just gave us the best information for free !!!

That's why I have so much respect for my family and especially my dad. He is 96 everything is in order for all three of his children .My Aunt dud the same. We all need to recalibrate our minds. .

he right about life insurance being culture cause my father has a $10,000 policy leaving our family to struggle.... polight was right about it being culture

Vlad, these are the type of interviews we want to see more of. Some of the other interviews i come away feeling dumber but with this one and others similar to this deposits enlightenment into the viewers! Love it!

Also, I can attest to this because both of my parents are deceased. Insurance companies don't go out of their way to explain larger insurance payouts to black people, even if your income can afford the premiums. And, most black people don't question it. My parents had insurance policies, but after their deaths, I researched and found out that each of them would have qualified for a 5 digit policy instead of a 4 digit policy. In my opinion, the insurance companies are programmed to sell low payout policies to minorities.

Very priceless jewelz, needed to be reminded this and change my prioritization, Much Respect! ✊

Polight is definitely dropping some jewels in this segment. The mortgage industry is designed for you to default. When you are approved to buy a home, the mortgage company specifies the maximum monthly mortgage payment (homeowners principal, interest, insurance, real estate taxes, etc.) that you can afford based on your income and debt obligations. I purchased a home three years ago and was approved for an amount that was too much based on my income. I could have purchased a five bedroom home with a pool. Thankfully I made it a point to not live beyond my means. I purchased a home and my mortgage payment is almost 50% less than the maximum for which I was approved. I had enough sense to avoid the trap, but some are not so lucky. Fortunately, my wife and I increased our total income by nearly $50k since then and we can afford to upgrade when decide to move.

We keep giving our money to the church🤔

The amount of jewels this man shared in this short video can propel your life

You live above your means. You lose

THE LEARNING I GET FROM HIM IS AMAZING. GEMS ON GEMS

thxYou on sharing this wonderful update learn as we grow

My English Teacher made us do a project about life planning and insurance

It ain't a Jewish thing - It's a who set up for their kids to get 1Mil when they die thing .

Thanks for the knowledge

My God. we need a 3 hour interview of this

Love this brothers knowledge 👏👏👏

i feel him. im 21 and have a term life insurance plan and a whole life insurance plan. i dont even have kids yet but when i do they gonna be straight when its my time to go. bein a young black male in a donald trump america, i can go to sleep easy knowin that if i get slept by some police brutality bullshit, my family aint gonna have to make a go-fund-me to get me buried, or raise money for a competent lawyer.

somebody watched the big short. good info as always Polight.

I have studied Jewish people and my people and compared the two. I realized Jewish people are caring about the generation to come after them. They set up the next generation with wealth thru investments and life insurance. I argued this point t with my dad and he said something that bothered me. He said, “ if I leave money to my kids when I die, if my son is not smart he will blow the money, if my son is smart he can make his own money”. I then realized why my people are not successful, and that is because of my dad’s mentality. His philosophy is lazy and a cop out. Instead he should think , if my son is not smart I should educate him, my son that is smart I should encourage him and help him be more successful. I don’t blame my dad since no one taught him to be a deep thinker and think about generation rather then think about today only.

The people that really need this info will never see it

Brother Polight just gave a Harvard Business School semester course for FREE, yet pundits would rather pay over $599.00 USD per hour to a much less educated trickster for an online course. Go figure! Thank you and respect due to Brother Polight on this content and subject matter.

Good info!!!!

Excellent! A really great concise powerful lecture. 90,000 have listened; many more need to. Great message!

Thank god this man recognizes the biggest oppression is lack of financial knowledge and literacy and shares it. So true.

This topic is one of the topics that I can totally agree with from Brother Polite. All truth. We have to sacrifice in this generation for the next one. #Salute #Respect

This dude has knowledge and he's giving it away, we complain about not having this knowledge in our culture, Vlad how about weekly videos with Brother Polight on different economic topics? It's an idea anyway. I'm looking in to whole life insurance asap not only for my mother but myself as well so my son is good when I pass. Thanks for the videos.

Great Interview.Thanks

Damn! This gentleman knows the game and can explain it in the clearest way I’ve ever heard.

How could someone not like this? This is all real 💩

Wow I've never heard of this guy. But I'm floored with the level of awareness he possesses. I just got taken to school bro. Thanks for sharing

Stress of anything can kill you. FACTS!!

This is spot on.

Vlad you put this out to inform, this offsets the other bullshit. Appreciated.

i come back to this interview every time i’m feeling unmotivated

so true…live within your means and always keep a stash…when getting a mortgage think like this: “can I honestly hold it down at least 6 months until I get more income?"

Spot on Brother Polight. We need to focus on the present and economic empowerment for our people . 🦁🤴🏿

MORE BROTHER POLITE VLAD, me and my friends are sitting in a circle taking in this knowledge and for once we're not passing around a blunt.

All facts & very powerful

Very fundamental thank you a whole lot...

... Word ...

Bro. Polight, is a MAD GENIUS IN THE SAME VIEN AS A MAD SCIENTIST. But just like today's RAP ARTIST, he came through the streets, HE FANAGLED the streets, and USED the streets as FUEL TO TRAVEL AND LAND SOMEWHERE ELSE. All he had to do was become self made, through the INFO that he has ACQUIRED, and simply CONDUCT OR HOLD CLASSES AND CHARGE PEOPLE FOR THAT INFORMATION, BUT HE DIDN'T; WHY, BECAUSE THAT WOULD OF TAKEN LONGER AND HIS PERSONAL AMBITIONS HAD A SHORTER FUSE THAN THAT! Anybody who is successful can turn around and sell their FORMULA to CONSUMERS, BUT HE CHOSE OTHER-WISE, VLAD NEEDS TO ASK HIM THOSE QUESTIONS, JUST LIKE WHEN HE INTERVIEWS A RAP ARTIST AND ASKS THEM ALL SORTS OF SELF INDICTING QUESTIONS! I HOPE EVERYBODY READS THIS!

very well said.. peace to you

Thank you Brother for this video.

When you Learn Better, you Do Better 💯💯💯💯

I swear this dude grabs my attention every time he speaks!!!!

i am so glad this was addressed. immediately i was in disbelief.

Good info, just be careful with the Balance transfer as there are numerous stipulations regarding fees/deferred interest..etc.Everything else spot on, most of the mortgage industry info is referenced in the "Big Short" movie

It's called life insurance 😂😂😂

This is exactly the truth. Generational awareness, education, preparedness and wealth. It's why the powers that be have been there for ages. Time to change it y'all. 1

Good teachings

Damn brother polite is mad informative good shit

Y'all need to actually listen to the interview not the title, no where in the interview hi is race bating. Guy is trying to tell blank people to not worried about race and try to provide for their families and themselves. All he says is that some races have an advantage but that doesn't mean you can't try and achieve your dreams. Provide for the prior you care about.

Yo R.I.P. Charlie Murphy

Spitting knowledge and wisdom. Great role model.

Hotep brother thanks for great information...in process getting whole life insurance...not just for me for my son to build on

The Brotha Sharp...

Nice headline Vlad. Now we're going to get a bunch of people who will feel justified in making blanket negative comments about black people

I need to get around this brother

Glad said "when I started my music Career"

Pardon me but who are the viewers red arrowing this educational video. This applies to everyone no matter what race you are.. This is probably Vladtv's best video ever if you ask me

This guy is smart

wow brotha polite, youre smart! i have learned things from you today that took the last 25 yrs to sink in!

I love knowledge he gave a great weekend interview this man know his stuff

He's woke yall

Dam he taught me more shit in 10 min than I learned my time in school

That's real information right here

Knowledge is key......

Ppl came on here just to talk shit don't forget ..

why do ppl assume that everybody has the discipline to manage money & debt?

He actually understands and talking 100% truth!

Hes talkin bout Sa Neter weird ass towards the end, peep the subtle shots

This all boils down to investing and money managing. Black people don't save money for the future, they live in the now too much. Example, living in section 8 housing driving a 96 civic but putting $4,000 rims on the car... or buying $10k worth of jewellery instead of saving up that money to put a down payment on a house. They do not build equity, generally black people buy materials that depreciate . This only applies to the black kids that "get nothing". However, the ones they do get something is a result of their parents having good money management skills.

My parents got a 2OOk$ insurance policy for me when they die , I'm BLACK

more of this guy please. dudes smart.

If u didn’t understand it the first, second, or third time, keep listening until u do. He broke down one of the most important things every future or current home owner should know.

Build a your legacy and Leave your legacy. That’s how you keep your old money going. Don’t forget African Americans started late due to slavery and we just started to own property. Just think back to 90 years ago. It’s time to bridge the gap.

po light be safe bro! keep teachin but be safe

Where's the whole video?

good video, i learned some new shit

why do New York cats speak with so much more intelligence than the rest of the country?

Overall this video was meant to promote financial literacy. regardless of race you could benefit from watching. Rather than doing so you choose to discuss race when in this video he talks about not pulling the race card.

we need a new immortal technique interview asap

Dude is so smart much love bro

smh: title really lies. Polight on it! wake up people.

There are black jewish people

u need to interview him more

VERY informative,much love for this brother,I know it's not a new drug or a dance he's discussing,but LISTEN people!✊

Brother Polight bout to mysteriously disappear...

his knowledge can move a mountain but his muscles couldnt move 100 pounds 😂

Good interview

How do he know so much this is amazing

one fish, two fish, red fish, blue fish, knick knack, paddy whack, give a dog a bone, two thousand, zero, zero, party, oops!

Y'all ain't watch the video. and I know it.

MIND BLOWN!!

Well, Said Brother Great Job!!