Motivation: Smith highlights how preparation, education, mindset, and adaptability are keys to success.

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3:09New Money Making Conversations Masterclass episodes drop daily. I want to keep you on alert because my guests provide tips on how you can uplift your community, improve your financial planning, motivation, or advice on how to be successful entrepreneur. Now let's get this podcast started. My guest is a former All Pro in the NFL. That's right, the NFL National Football League. He's an executive. He's an author. Speaker will over 25 years of leadership experience in sports, business, broadcasting, and community. I have a moment on my show today to talk about the big transition. When you have a dream and that dream can change overnight or that dream, you see coming to an end. Please welcome to Money Making Conversations Masterclass Al Smith. How you doing, Mr. Smith? Don't get it. Don't get it. Pleasure to be here. You know, off air, we know, thank you first of all. You know, I've been wanting to get you on the show for a while. And Richa, I wanted to get you on the show for a while because they they fell, which is the most popular sport in America.

4:09And I should say as they are spreading across this internet, they got games coming in Australia. They got games in Germany, games in England, Brazil. So it's becoming a worldwide sport. Tell us about your NFL experience, Al. Well, my experience, it was a good experience. I mean, one of the things with me, I was drafted out of Utah State University in the sixth round. They had 12 rounds back then. So when I look at it, it was like, you got a 50-pifty shot. I was, you know, to make the team at that time, you weren't able to finish school. They didn't have rules for you to finish school before you, you know, after you got drafted. Now, if you get drafted, they let kids finish school before they have to report to the team. Right. Back then, they didn't. You know, it's almost like, well, you got drafted. A lot of guys just, you know, quit school. It just go. But I looked at it as it was a 50-pifty shot. Like, there's no guarantee now that I quit school and then go and get cut. And then I had nothing.

5:09So my whole thing was that I had to get something out of the deal. As far as something out of the deal, it was like, okay, well, how much time can I miss? Because at Utah State, we were on a quarter system. Right. And the quarter system, if you miss, you know, two, three weeks, you know, that could be, you know, detrimental to you. Obviously, you're great. And I was like, in my spring semester, here I made my at the finish line on the 10-yard line. You just go, you know, you go quit. You know, I couldn't do that and live with myself with no guarantee of making the team. You know, it wasn't like big, you know, big money at that time. Whatever the case may be, but you had your dream, you got drafted, you have an opportunity, and all these type of things like that. So what I did was talk to teachers or whatever, we get, give myself the opportunity to see how much time I can miss because at that time, four linebackers were drafted, the year I was drafted. So I have three other guys that played lineback, you know, two before me and one after me. Right. And they all stayed and would have you.

6:11So I stayed as long as, you know, stayed during many camps and did all that. So I'm feeling like, okay, they're getting ahead of me or whatever the case may be. But I found a how much time I was able to leave from school. And once I knew that, the teachers were allowed me to, you know, to miss up a couple of weeks or when the case and I make up whatever I need to make up. But those guys stayed the whole time from that April draft all the way into training camp. So I stayed as much as I could learn as much as I could, went back, got my degree. And I felt like I got one out of the two. And I got one thing done. So now I'm all in as far as making this team. So, you know, locked in, you know, locked into a training camp, locked into what have you. I was fourth on the on the depth chart, looking at the line like this. I'm in the back. And that team was what me. What team is this we were talking about and NFL? This is the Houston dollars, which are now the Tennessee times for people who the Houston dollars were.

7:15You know, I know he needs to stop his painful. It's painful. I don't don't bring up the Houston dollars. Okay. Earl Campbell days because I'm a Houstonian that I just wanted you to say what you do on before y'all left in the night and then in the night to the T. I needed that to but that was above my pay grade. Absolutely. You know, the reason I'm bringing that up air because you know, I, you know, like I said, I'm a Houstonian. You, you got drafted because I was at 100% all in fan of the Houston dollars at the time. And I still followed you when the team went to Tennessee. Fear stops a lot of people from making decisions or the right decisions. Like, you know, should they move? Should they take a job? But you had fear looking you square in the eyes and plus you saw competition looking you square in the eyes. And as a young man, you had to make the right decision for you. How did you do that? Well, I did it. I turned my fear into fire. Okay.

8:15And yes, you know, I didn't know. I could have, you know, gotten cut because I didn't, you know, I wasn't there the whole time. Whatever the case may be, you know, I got teased at that time. Our head coach was Jerry Gennel, Glennville, you know, they, you know, they, you know, they were harder on rookies back then than they are today. So, you know, it takes shots at you. Hey, let's go and say it was hazy. There's hazy. You know, you know, you know, he paid in school and, you know, like shots, you know, taking those shots, but I took, you know, I took all the shots. I took all the negative. I had a good conversation with Warren Moon. You know, he's an LA guy too. And all the frame, and the Hall of Famer. And the Hall of Famer. And I had talked to Warren. He's like, you know, man, I'm really struggling with this, you know, this decision of what to do and what have you. And he told me, you know, being a veteran and being, you know, obviously a leader on the team and he told me, you know, you two close is finished school. You come, you know, come back. And, you know, you'll make the team. You know, you know, gave me some confidence. You know, you'll make the team everything will work out. And that's what, that's what happened.

9:17I went back, like I said, I was in the bag of that line and kind of, you know, week by week, you just kind of, you know, you move up a little bit. You move up a little bit. Got one guy get hurt and bam, you know, by the third precincts of gang. I was, you put me in the line up as a starter, seeing how I would respond. Wow. Responded well and then started, started every NFL game ever played after that. Congratulations. Now, you know, I got to get this out the way, you know, whenever we watch college games, it's always high mom never high dad, you know, that's a negative. And then you're bio you say your mom played a critical role in your life. Please talk to us about that. Yeah, my mom was an angel. She was like a, a, a, a, a side of the sass in sort of sweet. No, she, you know, had big, carried a big stick, but then talk a lot of what have you. I had both of my parents together. My parents got divorced as I was going, you know, after my senior high school.

10:17So, you know, I was going away during that time, but my mother was always there through, you know, injuries through, you know, you know, you know, dollar in your pocket. No, in I am back then, gang. No, you know, you can be playing in the club, playing in the conference with no money. But at the same time, I mean, you figured it out, you learn how to compete, you learn how to adapt. You learn how to overcome and all those type of things that I think has helped me today and helped me in my life as far as all those type of things. Because I think that's where kids struggle now. Look, a little competition. I'm out of here. Right. You know, a little friction or the coach didn't talk to me. You know, the way I talk, you know, he wants to talk or didn't guarantee a starting job, you know, if you think it guarantee the starting job, well, I'm going to switch to transfer schools transfer portal, transfer portal. And I am opportunity did you not pay him enough money? You know, please don't go anywhere.

11:21We'll be right back with more money making conversations masterclass. Welcome back to money making conversation masterclass hosted by me, Rishan McDonald. Let's get back into it. Talking to Al Smith, you know, he entered the NFL by being drafted by the Houston dollars and then they went up to Tennessee, became the Tennessee Titans. But he's still a good friend of mine. And I appreciate it made all pro. It's really interesting. I was fortunate to get my degree in mathematics got me a job at IBM. Okay. And at that time when I got that job at IBM, they had never laid off anybody in the history of IBM. So I felt that was a job that I probably would have been at if I probably would have retired. Now, when you get drafted in the NFL, basically any major sport, there are no guarantees. How do you, first of all, there's an excitement and an accomplishment to get drafted.

12:21Do you have to compete for your job every year? How do you wrap your mind around a position or an opportunity? That's a could be a let's not even talk about injuries that it can be taken away from you through competition. And there's no guarantee to longevity. Well, with that aspect is very tough. Because you're fighting against the unknown. Right. But you know, by doing so, at least for me, my mind mechanism or against that was I treated each year. Well, first of all, when you get drafted, you don't guarantee you make the team. You still have to make the team after you get drafted. So I'm happy with that you get drafted. Oh, yeah. You know, everybody, those things the money. You still got to make the team. Right. And then once you make the team, then obviously that. But then after you make the team that year, each year is a one year deal. So you have to make the, you know, still make the team every year. So I wanted to each year as if it was my last one. So I prepare it as if each year is my last year, knowing that I still want to play.

13:29You know, putting in the effort of being prepared, but both mentally, mentally and physically to make the team. So if so if they took my job, they're going to remember me. So, you know, I will be remembered by the fact that my play, my study, my work ethic, all those type of things would not be. I would have a question or deny or whatever the case may be. And I can live, you know, be able to live with that. And I had the fact that I had finished school and finished my degree behind me as a motivation to. Right. And that I had something in my back pocket. Right. I got to get to the bottom line of the financial because when you financial industry that, you know, that was one of the talking points because we see the stories bankruptcy, not knowing how to deal with the cash flow relatives. If you had to say off the front because I want to stay on this subject amount a little bit longer because again, I'm just reminding everybody.

14:30I brought out on the show because he is a small business owner. When he got drafted in the sixth round, he was a businessman brought on there. He had to compete. There were no guarantees. Don't that's not familiar when you open your own business. There are no guarantees. He had to give effort. He had to, if the store opened at six o'clock, he had to be at five o'clock. Saying that within a fail, you know, you always hear that thing. He's there before the coaches get there. That means the maximum effort. The coaches, he's still there. Doesn't that sound like a small business owner? Meaning extra effort means that there's no such thing as a 40-hour work week when you are a small business owner. Would that be a sad? You have heard and seen and lived with a lot of disastrous financial industry stories. What are the issues that you think pop up for athletes who are small business owners and who fail to understand the value of their money or how to distribute their money? Talk to me, Al. Well, well, as far as a lot of times with guys, you know, obviously come out out of the league and they have a certain lifestyle that they're trying to keep.

15:42Or they may be married with someone that has a lifestyle. You know, a lot of people think because they're around you, your lifestyle is their lifestyle. That's right. So they, so they want to ride with you. So if you're cutting back, well, that, I mean, they want to cut back because they used to, you know, going to the same restaurants and having the same car or living the same neighborhood, all those type of things like that. And I was very fortunate in my financial journey. Now, Richard, you didn't know that but I had a brother that played in the league before me. Okay, cool. So my brother, he was driving once you saw a state, he was two years ahead of me. He got drafted by the Denver Broncos. And I got a chance to see firsthand, you know, off-season going up there watching those guys working out with older guys, being around other guys before I got into the league, I was able to see how guys move. And understand that. And, and with me, you know, with that, you, your mindset, you know, I let that it is, you know, hey, I just want to just a good start in life.

16:50You know, get your good use card and got my degree. Got a little change in my pocket. I can start off life. I love that. You know, get a card, a little money to bang and go get a good job. So, but so with that being said, I think a lot of guys struggle with that because of the fact that they are trying to uphold some kind of image or some kind of standard that they feel like they have, you know, that they feel like they have to keep up with, but don't have the word with the word that means to do so. You know, post, you know, post, you know, playing or whatever the case may be or or giving their money to other people and relying on other people to make those decisions and not being involved with those decisions. And I always, I always had great mentors and having those mentors when it came to money. I was still saying, we're shining, you know, if you know, hang around nine broke people, you're going to be the tenth one.

17:51So, so I was, was around people who were successful. I remember this one time in Houston and you, and you know, the player with the rockets. And I was looking at some guys like that in Houston. We're great mentors and one time we, and every time we used to do workouts, there were always a mental session. Right. I learned, I learned three, you know, three words, O.W.E. versus O.W.M. Just three words. You want to O or do you want to home? I learned that early. It's three words. I mean, anybody can learn these three, three, three letters. I mean, anyone can learn those three letters, right? O, O, O, O, W, N versus O, W, E. And I tell my son it all the time. He's like, yeah, dad, I get it. O, W, N, O, W. But you don't want to, you know, you don't want to owe people.

18:53And I always kind of live by that and kind of put myself in a situation where if a job or a boss or you get cut or, or IBM or somebody said, oh, we land you off. That your whole world don't get flipped upside down based on how somebody else felt when they woke up that morning. Please don't go anywhere. We'll be right back with more money making conversations, masterclass. Not need for you to do me a favor. Right now, follow or subscribe to money making conversation. It's free. And you can find it on the iHeartRadio app, Spotify, Apple Podcast or wherever you get your podcasts. Please do me that favor. Follow or subscribe money making conversations. Chad G.P.T. can do more than answer questions. It can help you get real work done. Chad G.P.T. work is built for bigger projects with multiple steps. You bring the goal along with the information it needs, like notes, files, customer feedback, calendars, project plans or data.

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24:16Welcome back to Money Making Conversations, Masterglass. With me, Rishan, make it up. When did your dreams start shifting? Because you were blessed, you got drafted, you had your degree, you had NFL, you getting success. When did your dreams start shifting to outside of that? Well, while I was playing, I was like, I told you, like, each year I played like it was my last year. My last year in a year, 11 years later, I mean, you're not in a nice career. But within that, when it got to the end, as far as, okay, do you want to squeeze out another year or what have you? I was very fortunate to be offered a front office position with a team that I've played all those years with. They said, hey, we want you, I'm like, well, that doesn't happen often. Like, a lot of people are going to coach in or other things like that, but they offer me a position in the front office. So with that, I'm like, at first I was, you know, you know, has an effort, you know, like being around the players now I'm in the front office and things like that.

25:22But I felt like it was an opportunity to be a trailblazer or to open some doors for others that look like us to be able to be on that side of the table and to see that it's the show what's possible. And being able to do those type of things on that side of the fence and that's when you just shifted to me as far as, you know, you know, the business mindset and how the business of football worked and how the business of sports work and how I was able to help teach guys that were coming in to, you know, to get that mindset on the front end. Right. And like the back end. And, and by doing so, that was kind of fulfilling and rewarding for me to be able to give, you know, to give back at the same time, be able to, you know, fulfill some dreams and that which created other opportunities, which, you know, allow me to be a part of the league even in, you know, today.

26:22And in certain passions. Here's interesting thing about it. I remember when I was in, I mean, I think probably the fifth grade, I got tackled and there's an am I said. You said that we forget this. This is not for me. Okay. I got tackled in the fifth is the fifth grade. I had a rude working about being a football player. Well, we'll, we'll, we'll, we'll cut you one thing real quick. Like, like, when you come to that, like, I didn't play tackle football until the 10th grade. Okay. And before that was flag, but in L.A., you know, flag was kind of like street flag, you know, you kind of hit, you know, you got to block without using tack. Yeah. Yeah. That's what I'm talking about. Street flag ball. So I put like I was a little battle battle tested when the pants came on. It was like, oh, this is easy. You know, skin marks.

27:26So you know, the brother, I had six sisters, okay. They, they can give me no advice about flag football in the street. I got tackled. I can turn no brother. Big brother go, hey, should I get up and stay there? I stayed down half. And with this is not for me. Why is it pressure? Well, that's a, that was pressure right there having a whole new brother. Yeah. Not just, but see, not, not just athletically. I had to accomplish it academically because my brother was a good student. And I didn't really, you know, I want to be okay, stew. So it's always like so I always had to come by him with teachers or different people. So the expectation for me was always like, oh, you're gonna be like, I'm gonna be like my brother. Right. You know, my mother had to kind of draw that line. Like, you know, we got two different, you know, two different people and blah, blah, blah. And it had to deal with some coaches. She did. They don't coaches on that too. But that, you know, that was a drive to, you know, to prove your worth. So to speak of accountability.

28:28But, but, you know, you know, best of so I lost, you know, I've lost my, you know, I've lost my brother since then. But he, he was a kind of like a role model. Right. Because, um, your first fights, your first, everything goes, you know, go through your big brother, you know. Right, right, right. And, and the lessons because he started them and ended them in the, in the bathroom. Okay. He's like, no, my mom and dad can't get in there. So, you're like, no, I love, I love, I love, I love, I love, I love you to do some roll up. So, uh, Nuckelop, if they say, Nuckelop, Nuckelop, you know, the hesitate that always amazed me about football players. And, and, and, and they, and they're such a physical sport, you know, and I, you know, Steven, he's been one of my clients. And I was just even, I said, man, that's the only one I know when somebody's over there going, I'ma run really hard in this direction. And then another guy go, no problem. I'ma run really hard at you from the opposite direction. And we go meet and we cool with it.

29:34Now, if that ain't the craziest thing I've ever heard in my life knowing that this person is as, as, as adamant about going in this direction and you're about as adamant as stopping them from going in that direction. Talk about the mentality of a professional football player. Well, well, well, for me, and I tell people after they feel like, oh, you know, you know, my manager, you know, actually played football. But that was a different do when I played that was a different guy. That's not the guy that you even talking to. So that was, you know, that was a different individual to where, you know, you kind of transform this in some, to somebody else. And, and like you said, to run into a wall or 300 pounders or, you know, car crashes every day, it has to be something more, a driving force. That's right. Other than just that. Yes, it was an opportunity for financial stability.

30:37Yes, it was an opportunity to change your, your family tree, an opportunity to make a name for yourself, all those type of things. But you had to try at least I had to transform myself and like I was transformed themselves into somebody different on the field. But the problem comes a lot of guys can't turn it off. And that same person goes off the field. And off the field. People don't understand that in other people don't accept that type of mentality of the field. And I was able to be able to turn it off when I got off the field. It was like two different people. And that's how I survived. And a lot of guys have done well with that. And some guys have struggled with that. And, you know, and that's the difference. And I was speaking to our Smith former, our pro got drafted by the Houston allers and that's treating transfer it himself to become the Tennessee Titans.

31:43And we were talking about entrepreneurship, small business on the financial literacy overcoming the odds. That's all part of history. When you, as we close here, Al, and you know you're talking to entrepreneurs, you know you're talking to small business owners, you know it's talking to people who are afraid to make changes in life. People who have to overcome the odds sometimes to even go to work every day. What advice would you give them? And don't be short of words. You can take time to present yourself. I'll repeat the one more time. I'm sorry. What I'm saying is that there are people that are listening to this interview and you're a person who overcome the odds. Your person who basically you said every year, you usually look, you treat it every year like it was new year. Which means that there's fear tied to that. You overcame that fear. And you were successful at it. Well, that's the same thing that happens to small business owners and entrepreneurs. What advice would you give them? Well, first and foremost, to never give up on your dream.

32:45When I look at being able to, you know, provide at that time for, you know, for my mother, when she was here or, or, or taking a load off of that because at that point. She was a single mother because, you know, we had she had divorced my. I think my parents had divorced me going into college. So for me to come back and like, you know, you know, don't worry about it. But, you know, I was very fortunate to have a family. You know, they still like the work. And it wasn't like, hey, take care of me, take care of me. But, you know, it was kind of like I'm there if they needed me. But I didn't, you know, I didn't get that, you know, from my family as far as pulling on me in that way. And I was able to, you know, obviously, you know, take care of my mother and help my mother and all of you know, you know, for the rest of her life. But at the same time, not giving up when you're dream. Staying steadfast to it, don't let obstacles and competition do not be scared of competition.

33:46Just because, you know, there's a little adversity. A little being uncomfortable. Because that's where kids nowadays when they get uncomfortable, they shut down. Right. Or a little resistance. They shut down. And it's a different, it's a different, you know, you work out, whatever degree you work out. Once again, get gained every now and then you got to, you know, put a little bit more strain. You have to maybe add a little bit more weight. You may have to go a little bit more distance. You may have to, you know, go at some extra time. But to get those gains, you have to have a little strain. You don't be scared of the strain because, you know, the strain on, you know, the gain I'll raise the strain. I tell you, he's the incredible hour Smith. I want to take your time for coming on Monday making come to these masterclass interview. There's long overdue. That when the future will be a lot, there wouldn't be a lot shorter. Al because you're incredible brother. And I say that because a lot of honesty in this conversation, a lot of success in this conversation.

34:52Because longevity and NFL comes with sacrifice comes with hard work. It also comes with a badge of honor because it's not a cheat. I think I read, I would listen to it says like three years and four days. It's the average life on the NFL football player. I was like, wow. That's a don't get hurt. If you don't get hurt. But again, you will get hurt in the NFL. That's the nature of that sport. But again, thank you for coming on Monday making conversation now. Oh, thank you. I appreciate you guys. Thank you. Thank you for listening to this episode. Not need for you to do me a favor. Right now, you'll follow or subscribe to Monday making conversation. It's free. And you can find it on the iHard Radio app, Spotify, Apple Podcast, or wherever you get your podcast. Please do me that favor. Follow or subscribe, Monday making conversations. Keep winning. Chat GPT can do more than answer questions. It can help you get real work done. With chat GPT work, you bring the goal and the details.

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