Tag: Careers

Knowing When to Walk Away in 2025

Posted on by Nkozi Knight

By Nkozi Knight

We tell ourselves that success comes from more effort and more time. That belief still matters. Yet in 2025 another truth is just as important. Half the game is choosing where you spend your effort in the first place. Sometimes the smart move is to walk away.

The labor market is reshaping itself in real time. Generative AI tools now handle work that once kept whole teams busy. Companies are reorganizing to chase efficiency and speed. Leadership teams are under pressure to do more with fewer people. Global talent markets are wide open. H1B holders bring real skill and many firms are recruiting globally before they look locally. None of this is a moral judgment. It is the environment. In this environment staying put out of habit can become the most expensive decision you make.

Silent quitting defined the last few years. People stayed but pulled back. In 2025 the bigger risk is silent stagnation. You keep delivering while the org chart keeps shifting. Systems take over routine tasks. Budgets move to automation and to roles that can scale. If your seat does not compound your skills or your network, the clock is already ticking even if you cannot hear it.

Walking away is not drama. It is strategy. The question is simple. Does this role increase your value twelve months from now. If the honest answer is no, the cost of loyalty is too high. Loyalty to your future is the only loyalty that compounds.

To evaluate your situation ask yourself whether the outcomes you deliver are unique to your skill set or whether a model could replace them. Consider whether the learning curve in your current role is still steep or if you are repeating cycles that add little to your future. Reflect on whether your work places you near decision makers or keeps you locked in execution only. And finally, consider whether the relationships you build today will serve you tomorrow. These questions offer quiet clarity that no performance review will provide.

Leaving does not always mean quitting your employer. It can mean walking away from the wrong team, the wrong leader, the wrong product line, or the wrong client mix. It can mean seeking roles that sit beside the machines rather than beneath them. Human judgment, trust building, original insight, and accountable ownership remain scarce. Aim your career at the work that needs a signature, not just a keyboard.

The H1B debate is loud this year and will stay loud. The best response is not resentment. It is readiness. Build competencies that translate across industries. Learn the tools that drive your field so you can direct them rather than compete with them. Grow relationships that outlast any single title. When your value is clear and portable you will not fear any policy cycle.

For leaders the message is just as direct. People are watching how you treat them during this transition. If you use AI to strip away meaningful work without creating new ladders, your best people will exit first. If you invest in upskilling and in clear career paths, your organization will retain its core talent and attract more. Markets reward firms that act with clarity and care at the same time.

The choice to walk away is never easy. It asks for courage and a clear view of the road ahead. Yet the market is telling the truth every day. Growth rarely happens in places that mute your voice or drain your energy. If the room you are in no longer fits the person you are becoming, it is time to leave the room.

In 2025 the winners will not be those who simply grind harder. They will be those who choose their arenas wisely and walk away when the environment no longer deserves them.

Private Equity’s Greed Is Catching Up: Why Ordinary Americans Will Pay the Price

Posted on by Nkozi Knight

April 30, 2025 • By NKOZI KNIGHT

Many of us do not realize that private equity firms has always been about extraction, not creation. The model is simple. Borrow heavily, buy a company, slash jobs and benefits, sell off assets, and walk away with fees long before the damage shows. Communities are left with shuttered stores, abandoned buildings, bankrupt chains, and broken promises.

The list of casualties is long. Toys “R” Us was loaded with more than $5 billion dollars in debt by Bain Capital and KKR before it collapsed, taking 30,000 jobs with it. Payless ShoeSource closed its doors, erasing 18,000 jobs. J. Crew, Gymboree, Shopko, Forever 21, and Sears each followed the same path. Behind nearly every failure was a private equity deal that turned once-profitable companies into vehicles for debt. Blackstone, the largest of them all, drew criticism for gutting nursing homes and rental housing, where residents and tenants bore the consequences. Carlyle, Apollo, and Sycamore Partners engineered deals that enriched executives while leaving behind bankruptcies across retail, energy, and health care.

The damage has never been limited to debt. Private equity firms extract billions in fees on top of what they load onto companies. They sell the land and buildings, forcing the very businesses they own to pay rent back to them. In franchise models, they skim off royalty payments while cutting services and staff. They charge management fees to companies they already control, ensuring that even if a business fails, the firm still profits. These practices are not side effects. They are the business model.

For years the system ran on cheap money. With interest rates near zero, debt was abundant and investors were eager. Firms could buy, bleed, and flip companies in two or three years. That era is gone. Interest rates now sit above five percent. Debt costs more, buyers are scarce, and the IPO market has dried up. Firms are stuck holding companies that are drowning under the very leverage designed to enrich their owners.

The numbers are staggering. Nearly $12 trillion dollars in private equity assets now sit unsold. Exit activity has collapsed more than 70 percent since 2021. To raise cash, firms are borrowing against their own portfolios with NAV loans or dumping stakes at steep discounts on the secondary market. Even the giants like Blackstone, KKR, Apollo, Carlyle, Bain are stuck with bad debt no one wants. They cannot sell, yet their investors are demanding cash.

The quiet truth is that these firms are already maneuvering for Washington’s help. During the 2008 financial crisis, banks and insurers were rescued with taxpayer dollars. Private equity, which profited handsomely off that same collapse, is positioning itself for similar treatment.

This is not just an elite problem. It is a national one. When private equity runs out of road, it is not the billionaire partners who suffer. It is the workers whose jobs are cut, the retirees whose pensions cannot meet obligations, the students whose tuition rises because endowments cannot keep pace, and the taxpayers who are asked to backstop the system.

The parallels to 2008 are frightening. Then it was mortgage backed securities. Now it is unsellable companies and illiquid funds. In 2008, families lost homes and jobs while Wall Street was saved. Today the scale is even larger. With trillions in assets frozen, the next bailout could dwarf the last one.

Meanwhile, private equity’s destruction also extends into America’s hospitals and nursing homes and people are paying with their lives. Studies show that Medicare patients undergoing emergency surgeries in private equity–owned hospitals are 42 percent more likely to die within 30 days compared to those treated in community hospitals . A nationwide study found infections, falls, and other preventable adverse events increased following private equity takeovers of hospitals . Even the U.S. Department of Health and Human Services condemned the impact, warning that private equity ownership of nursing homes led to an 11 percent increase in patient deaths .

Recent reporting shows the financial calculus behind these tragedies. Nursing home operators in New York’s Capital Region diverted Medicare and Medicaid funds through inflated rent and bogus salaries. That left facilities chronically understaffed and suffering neglect so severe that it led to cases of serious injury and death .

By turning hospitals and nursing homes into profit centers rather than care centers, private equity firms aren’t just bankrupting businesses, they are literally killing people. And when that business model collapses, it will be everyday Americans who pay the cost once again.

The message is not subtle. If private equity’s gamble fails, the richest players will once again be saved. For ordinary Americans, the reckoning will look like it always does. Lost jobs. Higher taxes. Vanishing pensions. Rising tuition. And another generation paying for someone else’s greed.

This is the American cycle. The profits are privatized, the losses are socialized, and working families are forced to carry the cost.

The Private Equity Trap: How Harvard, Yale, and Princeton Got Caught in a Liquidity Crisis

Posted on by Nkozi Knight

For decades, private equity was the hottest corner of finance. The model was simple. Buy a company, cut costs, load it with debt and fees, polish the books, and sell it again within two to three years for a hefty profit. It was called the “flip,” and it made fortunes for firms like Blackstone, KKR, and Carlyle. Endowments and pensions rushed to get a piece of it.

That model is now broken.

The exits that once came fast and lucrative have slowed to a crawl. A world of near-zero interest rates is gone. Debt that once financed buyouts at minimal cost now comes with punishing interest, squeezing margins and stretching holding periods. Instead of flipping companies in two years, funds are sitting on assets for six, seven, even ten years. The portfolio backlog is staggering: more than $12 trillion worth of private equity assets sit unsold worldwide.

And at the center of this crisis are the universities that built their wealth on the promise of private equity. Harvard, Yale, and Princeton reshaped modern investing by betting heavily on illiquid alternatives. They now face the consequences of that bet.

The Death of the Flip

The two-year turnaround was never sustainable, but for a time it worked. Cheap debt fueled endless rounds of leveraged buyouts, where firms borrowed heavily, stripped assets, cut staff, and pushed companies back to market at inflated valuations.

But the cycle depended on two things: cheap money and eager buyers. Both have disappeared. The Federal Reserve’s rate hikes have doubled and tripled the cost of debt financing. Buyers are cautious, corporate balance sheets are tighter, and the IPO window remains largely shut.

Exit activity tells the story. In 2021, private equity firms sold $840 billion worth of companies. By 2023, that figure had collapsed to $234 billion, a drop of 72 percent. Even with a partial rebound in 2024 to $468 billion, exits are far too low to clear the backlog. Funds are holding twice as many assets as they did in 2019, but are selling them at the same pace as five years ago.

Without exits, distributions to investors dry up. Endowments that expected cash back to fund university budgets are left waiting.

Interest Rates as the Choke Point

Private equity’s entire model is built on leverage. A firm that buys a company for $10 billion may finance $7 billion of that price with debt, leaving just $3 billion of investor equity. If interest rates are low, debt is cheap, and any improvement in the business magnifies returns.

But with rates at five percent or higher, the math no longer works. Debt service eats into earnings. Refinancing becomes expensive or impossible. Companies bought at lofty valuations in 2020 and 2021 are now struggling to cover interest costs, let alone generate attractive profits for resale.

For the funds that hold them, paper valuations remain high, but real buyers demand discounts. That gap between reported NAV and market reality is another reason sales have slowed.

The Mechanics of Desperation

To keep investors from revolting, firms have engineered liquidity out of thin air. NAV loans lines of credit secured by the assets in a fund allow managers to borrow cash and hand it back to investors as if it were a distribution. Continuation funds where a firm sells a portfolio company from one of its funds into another fund it also controls in effect creates the illusion of an exit, while extending the holding period indefinitely.

On the investor side, endowments and pensions have turned to the secondary market, selling their stakes in private equity funds to buyers willing to take them at a discount. In 2024, secondary volume hit a record $155 billion. Harvard sold $1 billion worth of fund stakes. Yale is preparing to sell as much as $6 billion. The New York City pension system sold $5 billion. Buyers snapped them up at 10 to 15 percent discounts to stated value. For venture portfolios, the discounts were as steep as 50 percent.

These maneuvers do not solve the problem. They buy time. The only true fix is exits with real sales, IPOs, or recapitalizations and the industry is years away from clearing the overhang.

Case Studies: The Ivy League Squeeze

Harvard has a $53 billion endowment, the largest in the world. Nearly 40 percent of it is tied up in private equity. In April 2025, Harvard moved to sell $1 billion of those stakes through Jefferies, while simultaneously planning to issue $750 million in bonds. The official explanation is liquidity management, not distress. But the resemblance to 2008, when Harvard was forced to borrow billions to cover private equity calls, is unmistakable.

Yale built the “Yale model,” with nearly half of its $41 billion endowment allocated to private assets. For years, this made Yale the envy of institutional investors. But in 2024, Yale returned just 5.7 percent, compared to 13.5 percent for a basic stock-bond index. Now it is exploring a $6 billion secondary sale, nearly 15 percent of its endowment. The sale is not about strategy. It is about cash.

Princeton has a smaller endowment, about $35 billion, but the same exposure. Its longtime CIO Andrew Golden called 2023 the worst liquidity environment he had ever seen. Princeton raised $1.4 billion in bonds to shore up its balance sheet. Like Harvard and Yale, it insists the strategy is intact. But the reality is that illiquidity has become a liability.

Why This Matters to Everyday Americans

It is tempting to see this as an elite problem, billion dollar universities mismanaging their fortune. But it is not.

Endowments fund scholarships, financial aid, and core research. If Harvard or Yale faces a liquidity squeeze, it means fewer students receive aid. It means tuition rises to fill the gap. It means labs lose funding and staff lose jobs. What begins as a crisis in private equity becomes a crisis for students and families.

The same holds true in pensions. State retirement systems have billions tied up in private equity. When distributions dry up, they cannot meet obligations to retirees. That shortfall has to be covered by raising taxes, cutting benefits, or, in the worst case, turning to the federal government for relief. For millions of working and middle class Americans, this is not abstract. It is their retirement on the line.

The parallels to 2008 are chilling. Then, it was mortgage backed securities that turned toxic. Homeowners defaulted, banks failed, and Washington rushed in with taxpayer bailouts. Families lost houses, jobs, and savings, while Wall Street was rescued. Today, the scale is even larger. With twelve trillion dollars in unsold assets stuck on private equity books, the next bailout could dwarf 2008.

Imagine the politics of that moment. A populist like Donald Trump could frame it as Ivy League elites and Wall Street executives begging for lifelines while ordinary Americans pay the price. But the structural interdependence is real. If endowments and pensions buckle, the pressure on Washington to intervene may be irresistible. The federal government does not have the fiscal room to absorb another trillion dollar rescue, yet that may be exactly what is asked of it.

The burden would not fall on universities or private equity firms alone. It would fall on taxpayers, on students already struggling with debt, on workers who depend on pensions, on families already squeezed by inflation and high borrowing costs. In short, it would fall on the very people who had no hand in creating the mess.

Private equity sold itself as the smartest bet of modern finance. But the two year flip is dead, interest rates have choked the model, and endowments that once trusted in illiquidity now find themselves trapped. For everyday Americans, the lesson is as clear as it was in 2008: when the smartest people in the room gamble with other people’s money and lose, it is everyone else who ends up paying the price.

Behind Washington’s Latest Bipartisan Marvel: The Quiet Power Grab in the GENIUS Act

Posted on by Nkozi Knight

Date: Wisconsin, June 28, 2025

When the Senate voted 68-30 last week to pass the Guiding and Establishing National Innovation for U.S. Stablecoins Act, or better known as the GENIUS Act, the moment barely registered in a news cycle crowded with updates from the Diddy trial, ominous talk of World War III, and who does and does have have nuclear warheads a in the Middle East. Yet the bill is poised to reshape American money itself, setting the stage for bank-issued digital dollars and a vastly expanded federal role in everyday payments that will impact every Americans for the next decade.

House leaders now plan to bundle the measure with a separate market-structure bill, the CLARITY Act, and move both to the floor in a single vote as early as the week of July 7. President Trump has already signaled he will sign the package “without delay.”  

A $265 Million Campaign Pays Off

Passage caps the costliest crypto lobbying blitz on record. Industry groups and super PACs spent more than $265 million during the 2024 election cycle, which is nearly double the previous year, to elect crypto-friendly candidates and draft the very language that now governs them.  

Much of that money flowed through Fairshake, a super PAC bankrolled by Coinbase, Ripple and venture fund a16z, which alone poured over $130 million into congressional races. Thirty-three of its thirty-five endorsed candidates won which ties them with AIPAC.

The bill’s corporate sponsors read like a who’s-who of finance:

JPMorgan Chase filed a trademark for JPMD, a deposit-backed token it can now launch on Coinbase’s Base network.   PayPal and several regional banks lobbied for an exemption that lets them issue “payment stablecoins” under state charters.   World Liberty Financial, the Trump-family venture behind the USD1 stablecoin, secured a new $100 million investment from a UAE fund days before the vote.  

What the Bill Actually Does

This bill re-labels stablecoins as “payment systems,” taking them out of securities law and handing primary oversight to the Fed and the Office of the Comptroller of the Currency, creating an aura of legitimacy. It also creates a licensing moat: only banks and “permitted issuers” that meet 1-to-1 reserve, audit and AML rules can mint tokens—locking smaller DeFi projects outside the gate. Mandates monthly disclosures of reserves but allows issuers to hold short-term Treasuries, providing fresh demand for federal debt.   Bars members of Congress and their immediate families from trading stablecoins—but notably leaves the White House exempt. Senator Elizabeth Warren called this “a loophole big enough to drive a truck full of crypto through.”

The Bipartisan Pattern: Crypto and Foreign Wars

The only other legislation that has moved this smoothly across party lines in recent years is foreign-aid spending for Ukraine and Israel. In April 2024 Congress passed a $95 billion package for Ukraine, Israel and Taiwan with overwhelming majorities in both chambers, with all packages hovering over $300 billion in the last 5 years.

Critics argue the same donor class such as defense contractors abroad and crypto financiers at home, dictates both agendas. “If it involves new weapons or new money rails, Congress finds consensus,” says Sarah Bryer, a former Senate banking staffer now at watchdog group Public Citizen. “Everything else stalls.”

What Gets Missed While Washington Innovates

Poverty: The Supplemental Poverty Measure rose to 12.9 percent in 2023, the first increase in a decade.   Homelessness: More than 770,000 Americans were unhoused on a single night in January 2024, the highest count ever recorded.   Disaster Recovery: Communities from Maui to East Palestine still wait on promised federal funds years after their crises. To date the U.S. Congress has held nine hearings but passed no comprehensive relief bills for any of these victims.

Yet lawmakers devoted 18 months of hearings and four mark-ups to ensure banks can mint digital dollars.

A New Architecture for Control

Civil-liberties attorneys warn that putting money on permissioned blockchains invites mission creep. Once every transaction is traceable:

Payments can be geofenced or frozen at the click of a regulator’s dashboard. Political dissenters can be de-banked without ever seeing a courtroom. Cash’s untraceable refuge disappears, replaced by tokens that obey code written in Washington and often debugged on Wall Street.

Senator Warren, one of just eleven Democrats opposed, likened the bill to the 2000 Commodities Futures Modernization Act, which green-lit credit-default swaps before the 2008 crash. “We’re repeating history,” she warned on the floor. 

What Happens Next

If the House delivers the bill to President Trump before the July 4 recess, bank-branded stablecoins could hit the market within a year. JPMorgan’s JPMD pilot is ready; PayPal has quietly updated code to let its wallet swap into compliant tokens.

For ordinary Americans, the promise is faster payments, at least until the rules change. “Digital dollars are programmable,” notes Bryer. “Today they clear instantly. Tomorrow they refuse to buy a bus ticket to the wrong protest.”

The Bottom Line

The GENIUS Act is not just a regulatory tweak; it is the blueprint for a cashless, centrally mediated economy shaped by the largest banks, the loudest lobbyists and a White House with skin in the game. That it passed under the radar says as much about the media distractions of the moment as it does about the power of money in Washington.

As many households grapple with rising rents, increased living expenses, stubborn poverty and record homelessness, Congress has found rare harmony over who controls the future of money itself. When the dust settles, Americans may discover their new digital wallet comes with fewer rights than the battered leather one it replaced.

While You’re Watching Game 7 of the NBA Finals, We’re Being Sold Out Piece by Piece

Posted on by Nkozi Knight

We’re not watching a dramatic fall of America. There are no breaking news alerts about the end. No explosions in the streets. No economic sirens.

But make no mistake….something terrible is happening.

Piece by piece, decision by decision, we are being sold out. Our labor, our taxes, our future, it is all being extracted. And while it happens, we are told to look the other way while letting AI take many of our jobs.

Watch the game. Scroll the feed. Place a bet. Argue online about culture wars that do not affect your rent, your hospital bill, or your ability to afford groceries.

Meanwhile, the money keeps flowing. Out of your paycheck. Out of your neighborhood. Out of this country. Straight into the hands of foreign governments, defense contractors, and elite interests.

This is not the dramatic fall of a nation. It is a transfer of wealth, security, and stability away from ordinary Americans and toward a system that was never built to serve us. It is a system that acts globally, extracts locally, and survives only as long as we do not look directly at it.

You can call it a government. You can call it a machine. But what it really functions as is an empire. And the longer we ignore it, the more it takes.

The Cost of That Empire Is Being Paid in Evictions and Empty Refrigerators

While your tax dollars are used to fund missile systems in Israel, people across the United States are struggling just to keep a roof over their heads. Since 2020, the median price of a home has risen by more than 40 percent. Interest rates have climbed above 7 percent, making homeownership unreachable for millions (National Association of Realtors, 2024).

At the same time, Americans like myself, carry over $1.7 trillion in student loan debt. Medical bankruptcies remain the most common form of personal financial ruin. A premature baby that has to stay in a neonatal intensive care unit for over a month can cost well over a million dollars. On top of that, more than half of the country cannot afford an unexpected five hundred dollar emergency.

And yet, every year, tens of billions of dollars are approved for foreign aid without hesitation.

Israel receives more U.S. taxpayer money than any other nation on Earth. Since 1948, it has received over 300 billion dollars in aid, including nearly 4 billion annually in guaranteed military funding (Congressional Research Service, 2023).

That money has helped fund a public healthcare system, subsidized childcare, and modern infrastructure. Israel’s students have new schools. Their citizens have access to doctors without going bankrupt.

Meanwhile, in American cities, teachers work second jobs. Classrooms go without books. People drive across state lines to afford prescriptions. And in cities like Flint, Michigan and Jackson, Mississippi, families still live without safe drinking water.

This is not about scarcity. It is about priorities.

An Economy Built to Keep Us Consuming

We are told that the economy is doing well. But it only looks strong on paper because we are constantly spending to survive.

Wages have remained flat for decades, while the cost of everything else has gone up. Food, gas, housing, tuition, and insurance have all exploded. But instead of fixing the system, the solution we are offered is more debt.

–Buy now, pay later.

–Zero percent financing.

–Monthly subscriptions for everything, even the essentials.

Our economy runs on credit cards and desperation.

We are not building wealth. We are surviving one paycheck at a time, and no one is willing to admit it.

And when that stress becomes too much, we are handed another solution, a distraction. Sometimes it’s a RICO case of a famous celebrity, other times it’s the United States bombing an empty nuclear facility in Iran, and other times it’s something as simple as sports and sports betting.

There is always something to pull our focus. Sports betting is now a multi-billion dollar industry thanks to ESPN, Draft Kings, Prize Picks, and MGM Sports betting. On television, sex-laden reality shows dominate prime time and paid subscriptions. Viral celebrity drama trends daily. Meanwhile, airstrikes in Gaza or explosions in Tehran are buried beneath all this noise but we pay for all of it.

None of this is random. It is a carefully designed system.

We Fund a Better Life for Others While We Are Told to Settle for Less

The average American is constantly being told to sacrifice.

Tighten your belt.

Use credit.

Be patient.

Inflation is temporary.

Work harder.

But there is no austerity when it comes to military aid.

There is always money for war. There is always money for foreign governments. There is always money to rebuild somewhere else in a land most have never been, but there is nothing for Maui, East Palestine, Flint, New Orleans, and many other cities in America.

Since 1948, Israel has received over 300 billion dollars in U.S. assistance (Reuters, 2024). That money has helped create one of the best publicly funded healthcare and education systems in the world—for a country with fewer people than New York City.

In America, we have veterans sleeping on the street in every major city.

We have kids learning from worksheets because their school cannot afford books.

We have families rationing insulin and choosing between medication and rent.

This is not just a funding issue. It is a values issue.

We are paying for the stability of others while our own communities are crumbling.

They Keep Us Distracted So We Do Not See It

Every time the conversation gets too close to real issues, the distractions flood in.

The headlines suddenly shift, and Operation Mockingbird goes full tilt. The scandals erupt more salacious than the prior one. The outrage machine gets turns on, and Americans are pinned against each other.

We are told to obsess over celebrities, argue over culture wars, and follow political soap operas like they are sports teams.

This is not a coincidence. It is the only way this corrupt system survives.

Because if we stop fighting each other, we might start asking the real questions.

Where is the money going?

Why can’t we afford basic services while funding foreign militaries?

Why is our economy built on debt and distraction?

And who exactly is benefiting from all of this since it’s not US?

This Is Not Incompetence. It Is a Strategy.

The truth is that the United States has all the resources it needs to take care of its people….if it wanted to.

But we do not. Not because we can’t. But because we are not supposed to.

We are expected to work, consume, and remain distracted.

We are expected to stay tired, stay anxious, and stay divided.

And we are expected to believe that any attempt to change the system is unrealistic, unpatriotic, or impossible.

But the truth is, the system is not broken. It is functioning exactly as designed.

It is designed to take.

It is designed to distract.

And it is designed to leave us wondering why we are doing everything right and still falling behind.

Can You Relate

If you are working harder than ever but getting nowhere, you are not alone.

If you are wondering why another country has healthcare and you cannot afford a routine checkup, you are asking the right question.

If you are tired of being told that sacrifice is patriotic while billionaires and foreign allies get blank checks, then maybe it is time we stop playing along.

They do not fear Iran. They do not fear China. They do not fear Russia.

What they fear is that you will start paying attention.

Because the moment we stop watching the show and start watching the system, the game is over.

Sources

National Association of Realtors. (2024). Median home price trends

Congressional Research Service. (2023). U.S. Foreign Aid to Israel

Reuters. (2024). Israel aid totals and annual packages

CNBC. (2023). 80 percent of Americans live paycheck to paycheck

Cato Institute. (2021). U.S. Military Footprint: 750 bases in 80 countries

Al Jazeera. (2021). U.S. global base presence overview

Zeus Network Exposed: The True Creators and the CEO Who Cut Them Out

Posted on by Nkozi Knight

DeStorm Power, King Bach and Amanda Cerny, the original creators of Zeus Network.

Zeus Network launched in 2018 as a creator driven platform dreamed up by DeStorm Power, King Bach and Amanda Cerny working alongside Lemuel Plummer. DeStorm was the first to believe in the vision so much that he invested one hundred thirty five thousand dollars of his own money to make it happen. He even came up with the name Zeus after being inspired by Nike. King Bach brought his thirty million plus followers from Vine and Instagram as built in hype for day one. Amanda used her brand partnerships know how to land sponsorship deals and bring in real revenue when most startups were still figuring out how to sell ads. Together they handled content production promotion and funding while Plummer kept the network running behind the scenes  .

Once Zeus picked up steam Plummer cut the founders out of the financial picture. They say he locked them out of company accounts erased their names on contracts and denied them the earnings they had a right to. Instead he allegedly reported to the IRS that the original partners made millions in profits. DeStorm, King Bach and Amanda have received K1 tax documents showing those figures and they are forced to pay taxes on money they never saw  . That alone is the heart of their lawsuit. How can you justify billing someone for income that never landed in their bank account?

This is not the only time Zeus has faced legal action over shady deals. In 2020 singer Omarion sued Zeus and Plummer for two hundred thousand dollars for breach of contract and fraud after the network aired his Millennium Tour Live Concert without paying the agreed revenue share  . More recently Paramount Global’s Viacom filed suit accusing Zeus of ripping off Wild ’N Out with Bad Vs Wild and intentionally inducing Nick Cannon to breach his contract  . Even reality star Chrisean Rock says Zeus still owes her money for Crazy In Love and claims Diddy confronted Plummer over the unpaid checks  .

When you look at the roster of lawsuits it shows a pattern of profit first and fairness nowhere. DeStorm Power, King Bach and Amanda Cerny built the network with their talent hustle and cash. Now they are in court fighting to reclaim the fruits of their labor and clear their names from inflated IRS documents. Their case is about more than unpaid equity. It is a fight for creator rights and a warning to anyone thinking they can build a brand and be cut out of the story.

At the end of the day Zeus may keep churning out viral reality shows but the real story is in these court filings. The people who actually created the platform are the ones left holding the bag. If the court sides with the original founders it will send a message that ideas earned through sweat deserve more than a line item on a tax form. It will remind every creator that building a business with your own hands means protecting your stake and standing up when someone tries to rewrite history

CITY YEAR MILWAUKEE FACES UNCERTAIN FUTURE AS FEDERAL AMERICORPS FUNDING CUTS LOOM

Posted on by Nkozi Knight

City Year Milwaukee, a vital partner in local education equity efforts, may be one of many programs at risk following sweeping cuts to AmeriCorps funding enacted through recent federal executive orders by President Donald Trump.

For years, City Year AmeriCorps members have served as near-peer mentors and tutors in Milwaukee Public Schools, offering support in classrooms where additional academic, emotional, and behavioral reinforcement is needed most. Their work has contributed directly to increased reading scores, stronger attendance, and greater student engagement in underserved communities.

But those outcomes now face disruption.

The federal government’s decision to significantly scale back AmeriCorps support by $400 Million threatens the infrastructure that has powered City Year and dozens of national service programs for decades. The loss of funding doesn’t just cut stipends or operational support, it cuts opportunity in Milwaukee. It cuts the relationships that matter most: those between a struggling student and the one person in their school day who sees their potential and shows up every morning to nurture it.

“This isn’t just a budget line,” said one City Year alum. “It’s a lifeline to kids, to communities, and to those of us who joined AmeriCorps to serve with purpose.”

City Year, a tax-exempt 501(c)(3) nonprofit, remains committed to serving without discrimination based on race, color, gender, origin, political belief, or faith. But continuing that mission requires resources.

Supporters, alumni, and concerned residents can learn more and get involved at: https://www.cityyear.org/milwaukee

In the wake of these cuts, the question is not whether the need still exists. It’s whether we will still show up.

Harvard Expands Free Tuition to Families Earning Under $200,000

Posted on by Nkozi Knight

By Nkozi Knight

In a move aimed at expanding access to higher education, Harvard University announced Monday that it will offer free tuition to students from families earning $200,000 or less starting in the 2025-2026 academic year. This marks a significant expansion of the university’s financial aid program, further removing financial barriers for prospective students.

Students from families with incomes below $100,000 will also have all expenses covered, including housing, food, health insurance, and travel costs. Previously, Harvard provided full financial support only to students from families earning less than $85,000 annually.

“Putting Harvard within financial reach for more individuals widens the array of backgrounds, experiences, and perspectives that all of our students encounter, fostering their intellectual and personal growth,” said Harvard President Alan Garber.

While tuition alone at Harvard currently exceeds $56,000, total costs, including housing and other fees, approach $83,000 per year. The new policy will significantly lessen that burden for many American families.

Families earning above $200,000 may still qualify for tailored financial aid depending on individual circumstances.

This initiative aligns with similar policies at other elite institutions, like the Massachusetts Institute of Technology (MIT), which announced a comparable expansion last fall. Harvard estimates that 86% of U.S. families will now be eligible for some level of financial aid.

“Harvard has long sought to open our doors to the most talented students, no matter their financial circumstances,” said Hopkins Dean of the Faculty of Arts and Sciences. “This investment ensures that every admitted student can pursue their academic passions and contribute to shaping our future.”

The expansion comes amid broader conversations about diversity in higher education, especially following the Supreme Court’s ruling against affirmative action in college admissions. Harvard, along with other institutions like the University of Pennsylvania, views increased financial aid as a pathway to maintaining diversity by ensuring access to students from varied socioeconomic backgrounds.

“We know the most talented students come from different socioeconomic backgrounds and experiences, from every state and around the globe,” said William Fitzsimmons, Harvard’s dean of admissions and financial aid. “Our financial aid is critical to ensuring that these students know Harvard College is a place where they can thrive.”

This policy marks a continued effort to create a more inclusive and accessible environment at one of the nation’s most prestigious universities.

Generative AI: Transforming the Fabric of Education, Business, and Society

Posted on by Nkozi Knight

By Nkozi Knight

The dawn of generative artificial intelligence (AI) is not merely a technological milestone but a transformative force poised to touch every corner of our lives, reshaping the fabric of our world. Imagine a future where AI-driven systems enhance learning experiences in classrooms from rural villages to urban centers, personalize healthcare treatments globally, and revolutionize businesses, driving unprecedented innovation and efficiency. The potential for AI to create new opportunities and solve complex problems is immense, making it a topic of critical importance for everyone from tech enthusiasts to policymakers, but most importantly for everyday citizens.

A Revolution in Our Society

Generative AI has begun to alter the societal landscape significantly. Major advancements by platforms like OpenAI’s ChatGPT and Google’s Gemini Advanced demonstrate AI’s capabilities in creating human-like text and solving complex problems. These tools are increasingly integrated into customer service, content creation, and strategic decision-making processes. According to McKinsey, over 55% of organizations now use AI in at least one business unit, up from 20% in 2017 .

This surge in adoption highlights the tangible benefits of AI, such as cost reductions and revenue increases. For instance, the use of AI in human resources has led to significant cost savings, while its application in supply chain management has boosted revenues by over 5% . However, this rapid integration is not without challenges, as issues like data privacy, intellectual property, and the accuracy of AI outputs remain pressing concerns .

Education: A New Frontier

In the realm of education, generative AI is revolutionizing how students learn and educators teach. AI-driven platforms are providing personalized learning experiences, adaptive testing, and real-time feedback, thereby making education more accessible and tailored to individual needs. Google’s Gemini Advanced, for example, can create interactive learning modules that adapt to a student’s progress, enhancing engagement and retention.

According to UNESCO, the thoughtful integration of AI into education systems can support lifelong learning and bridge educational gaps by providing resources to underprivileged communities . However, there is a caveat; an over-reliance on technology without adequate human oversight could undermine educational standards and equity.

Business Innovations

Generative AI is also making waves in the business sector, driving operational efficiencies and strategic advancements. Companies are leveraging AI for marketing, sales, product development, and customer engagement. Deloitte’s insights reveal that businesses are moving from pilot projects to large-scale AI deployments, aiming to realize tangible benefits such as improved efficiency and innovation .

AI-driven analytics are enabling businesses to make more informed decisions, ultimately driving growth and competitiveness. For example, AI’s ability to analyze vast amounts of data quickly and accurately helps companies to identify market trends, optimize supply chains, and enhance customer experiences.

Comparing AI Platforms

Different AI platforms bring unique strengths to the table. Here’s a detailed comparison of some leading generative AI tools:

OpenAI’s ChatGPT is exceptional at natural language generation, versatile across multiple domains including customer service, creative writing, and coding assistance. It’s best suited for general-purpose use, especially for enterprises needing versatile AI capabilities.

Google’s Gemini Advanced integrates seamlessly with Google services, providing real-time internet data and robust solutions for data analytics and enterprise applications. It’s ideal for businesses looking for deep integration with Google’s ecosystem, real-time data processing, and enhanced search capabilities.

Apple’s AI system focuses on privacy-centric AI solutions, ensuring secure data management while delivering powerful performance. This makes it a great choice for users and organizations prioritizing data privacy and security.

Microsoft’s Copilot is integrated with the Microsoft Office Suite, enhancing productivity tools like Word and Excel with AI capabilities. It’s perfect for office productivity enhancements, particularly for enterprises that extensively use Microsoft products.

Anthropic’s Claude emphasizes safety and ethical AI use, with a customizable conversational tone and a large context window. It’s best for ethical AI applications and businesses needing secure content generation.

Cohere’s Generate (Command) offers straightforward API integration for text generation, focusing on business use cases like copywriting and data extraction. This tool is well-suited for businesses needing seamless API integration for text generation and analysis.

Midjourney excels at creating artistic and highly stylized images, making it ideal for creative industries and artists looking to enhance their visual content.

DALL·E 3 is easy to use for AI image generation, capable of creating photorealistic and imaginative visuals. It’s best for marketing, design, and any application requiring high-quality images.

These platforms reflect the diverse approaches tech giants are taking to capture the AI market. OpenAI’s emphasis on broad accessibility contrasts with Google’s enterprise-focused strategies and Apple’s commitment to privacy, catering to varied user needs and preferences .

Societal Implications

Generative AI’s societal impact extends beyond business and education. It influences cultural production, healthcare, and even social interactions. AI-generated content, such as music and art, challenges traditional notions of creativity and authorship. In healthcare, AI-driven diagnostic tools and personalized treatment plans are revolutionizing patient care, offering more accurate and timely interventions .

However, these advancements come with ethical considerations. The potential for job displacement, biases in AI algorithms, and the need for regulatory frameworks are critical issues that society must address. Ensuring that AI development is inclusive and benefits all segments of society is paramount.

As generative AI continues to evolve, its role in shaping our future becomes increasingly significant. Whether in classrooms, boardrooms, or everyday life, AI is set to redefine the parameters of possibility, ushering in an era of unprecedented innovation and change.

For more insights on AI and its impact, visit NkoziKnight.com.

Why Do Zoom Meetings Make Us So Sleepy? Unveiling the Mystery of Video Conference Fatigue

Posted on by Nkozi Knight

Over the past few years, the rise of remote work and the need for social distancing have transformed video conferencing tools like Zoom into a ubiquitous communication platform. While these virtual meetings have enabled people to stay connected and productive, many have also reported feeling excessively tired and sleepy after participating in them. In this article, we will explore the reasons behind this phenomenon, often referred to as ‘Zoom fatigue,’ and discuss ways to mitigate its effects.

Reduced Non-verbal Communication

One of the primary reasons for Zoom fatigue is the inherent limitations of non-verbal communication in video calls. In face-to-face interactions, we rely on a plethora of non-verbal cues, such as body language, facial expressions, and tone of voice, to fully grasp the meaning behind someone’s words. However, video calls make it challenging to perceive these cues, as participants often appear in small windows with limited visibility. This forces our brains to work harder to decipher the information, leading to cognitive overload and, ultimately, fatigue.

Constant Self-awareness

Another factor contributing to Zoom fatigue is the increased self-awareness that comes with being on camera. Many people find it difficult to ignore their own video feed, leading to a heightened sense of self-consciousness. This constant self-monitoring can be mentally draining and may cause feelings of exhaustion.

Lack of Physical Movement

During in-person meetings, participants could move around, stretch their legs, and change their posture. In contrast, video calls often require attendees to remain seated and relatively stationary in front of their screens. This lack of physical movement can lead to stiffness, discomfort, and drowsiness.

Screen Overload

In today’s digital world, many of us spend a significant portion of our day staring at screens. Adding video calls to an already screen-heavy routine can exacerbate eye strain and lead to a feeling of fatigue. Moreover, the blue light emitted by screens can disrupt our circadian rhythms, making it more difficult to fall asleep at night.

Back-to-Back Meetings

In a remote work environment, back-to-back video calls are a common occurrence. Without the natural breaks that come with in-person meetings, such as walking to a different room or engaging in casual conversation, Zoom meetings can become an unrelenting series of virtual encounters. This lack of downtime between meetings can contribute to mental exhaustion and feelings of sleepiness.

Strategies to Combat Zoom Fatigue

  1. Schedule Breaks: Allocate time for short breaks between meetings to allow your brain to rest and recharge.
  2. Encourage Movement: Stand up, stretch, or walk around during video calls to maintain energy levels and reduce stiffness.
  3. Limit Screen Time: Schedule regular screen-free periods throughout your day to reduce eye strain and fatigue.
  4. Use Audio-only Calls: When appropriate, switch to audio-only calls to give your eyes a break and reduce self-consciousness.
  5. Optimize Your Environment: Ensure your workspace is well-lit and ergonomic to minimize physical discomfort and promote alertness.

Zoom fatigue is a real and prevalent issue faced by many people participating in video conference meetings. By understanding the factors that contribute to this exhaustion, we can take steps to minimize its impact and maintain our energy levels throughout the workday.

The Future of Work: Shifting Job Landscape in the United States Over the Next Decade

Posted on by Nkozi Knight

The rapidly evolving technology landscape is altering the world of work, transforming how organizations operate and the roles that employees hold. Over the next decade, we can expect significant shifts in the United States’ job market, with some careers experiencing exponential growth, while others decline. This blog post delves into the trending careers while exploring the impact of technology on employment and companies across various industries.

Trending Careers: Riding the Wave of Technological Advancements

Healthcare Professionals: As the U.S. population continues to age, there is an increasing demand for healthcare services. This need will fuel the growth of jobs in healthcare, such as physicians, nurses, and other medical practitioners. Technological advancements, including telemedicine, medical devices, and health informatics, will also create new opportunities in the industry.

Data Science and Analytics: With the exponential growth of data, businesses are increasingly relying on data-driven insights to make informed decisions. As a result, data science and analytics professionals will be in high demand, with roles like data analysts, data engineers, and data scientists becoming increasingly important.

Cybersecurity Experts: As technology becomes more sophisticated, the threat of cyber-attacks also grows. Consequently, the need for skilled cybersecurity professionals will continue to rise, ensuring the protection of valuable data and digital assets.

Renewable Energy Specialists: Climate change and sustainable energy concerns are driving the growth of the renewable energy sector. Professionals in solar, wind, and other renewable energy fields will see an increased demand for their expertise as countries transition towards more sustainable energy sources.

Mental Health: The increased awareness and focus on mental health will drive job growth in this sector. Counselors, therapists, and psychologists will be in high demand as society continues to prioritize mental health while using data to treat mental health issues faster.

Technology: The tech industry will continue to flourish, creating jobs in areas like artificial intelligence, machine learning, and cybersecurity as mentioned previously. Specialists in data analysis, software development, and information security will be highly sought after.

The future of work in the United States will be led by a continued shift towards technological careers, healthcare, data and renewable energy. While some industries will see growth, others will decline, and workers will need to be adaptable and flexible in order to stay competitive. As technology continues to evolve, it will be critical for workers to develop new skills and expertise in order to stay relevant and valuable in the job market now and in the future.

The Oz Principle: Getting Results Through Individual and Organizational Accountability

Posted on by Nkozi Knight

The Oz Principle, written by Roger Connors, Tom Smith, and Craig Hickman, is a popular management book that explores the concept of accountability in the workplace. The book draws on the classic story of The Wizard of Oz to illustrate how individuals and organizations can take ownership of their actions and outcomes to achieve success. In this blog post, we will summarize the main ideas of The Oz Principle and explain how they can be applied in the workplace.

The Oz Principle presents a framework for personal and organizational accountability based on four key principles: See It, Own It, Solve It, and Do It. Let’s take a closer look at each of these principles:

  1. See It: The first step in the accountability process is to see the problem or opportunity clearly. This involves identifying the root cause of the issue and understanding its impact on the organization. Seeing It requires individuals to be honest and objective in their assessment of the situation, without making excuses or blaming others.
  2. Own It: Once a problem or opportunity has been identified, the next step is to take ownership of it. This means accepting responsibility for the outcome and committing to taking action to address the issue. Owning It requires individuals to be accountable for their role in the situation, regardless of whether they were directly responsible for the problem.
  3. Solve It: The third step in the accountability process is to develop a plan to solve the problem or capitalize on the opportunity. This involves working collaboratively with others to identify and implement solutions that address the root cause of the issue. Solving It requires individuals to be proactive and creative in their problem-solving approach.
  4. Do It: The final step in the accountability process is to execute the plan and achieve the desired outcome. This involves taking action and following through on commitments to ensure that the problem is fully resolved or the opportunity is fully realized. Doing It requires individuals to be persistent and disciplined in their efforts to achieve success.

The Oz Principle emphasizes the importance of accountability in driving individual and organizational performance. By following the See It, Own It, Solve It, and Do It framework, individuals can take control of their actions and outcomes, and work together to achieve shared goals. The book provides practical tools and strategies for implementing accountability in the workplace, including the use of performance scorecards, team charters, and action plans.

In conclusion, The Oz Principle is a powerful management book that offers a fresh perspective on accountability in the workplace. Its four-step framework provides a clear roadmap for personal and organizational success, and its practical tools and strategies can be applied in a wide range of settings. By embracing the principles of See It, Own It, Solve It, and Do It, individuals and organizations can achieve greater accountability, productivity, and success.

What Emmett Till’s Mother Taught Me About Grief and Justice

Posted on by Nkozi Knight

On Feb. 26, 2012, my entire life changed in ways that I could never imagine. Within an instant, after the brutal and inhumane killing of my son, …

What Emmett Till’s Mother Taught Me About Grief and Justice