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Speaker 1: Hi.

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Speaker 2: I'm Sherry Harris, owner of Life Source Water. As a

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Speaker 2: new grandmother in lifelong Californian, I care about what's in

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Speaker 2: the water my family uses every day. For over forty years,

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Speaker 2: our whole house water system has protected Bay Area families

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Speaker 2: with filtered water from every tap. Now we are offering

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Speaker 2: a double dip in savings free basic installation plus an

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Speaker 2: extra two hundred and fifty dollars off. That's up to

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Speaker 2: twelve hundred dollars in savings. Call our factory at one

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Speaker 2: eight hundred Water ninety nine or visit Life sourcewater dot com.

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Speaker 2: Hurry offer in September thirty.

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Speaker 3: Warranty limitations applying.

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Speaker 1: My graduates from my school being forts Bag, drop Bag Drop,

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Speaker 1: Mike drot Bag, drop bag drop.

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Speaker 3: All right, guys, welcome back. This is an extremely highly

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Speaker 3: anticipated episode. Before we start, we gotta let you know.

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Speaker 3: So you know, we got a lot a lot of

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Speaker 3: requests to extend the sale for Eyle University and it

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Speaker 3: was supposed to get shut down on January one, but

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Speaker 3: as you know, Ayle University, or as you might not know,

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Speaker 3: it's actually ending as its current form and graduate school

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Speaker 3: will begin. So we was planning on launching and graduate school.

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Speaker 3: January first ran to some technical difficulties, had to make

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Speaker 3: sure everything was right with the website and all that,

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Speaker 3: so we pushed it back a week. So you guys

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Speaker 3: still have seven days to join at the current price.

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Speaker 3: The price made double may, tripping, may quadruple. We have

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Speaker 3: to know, but it's going to be completely revamped. It's

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Speaker 3: gonna be a different situation. But ey University includes over

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Speaker 3: one hundred past webinars, weekly webinars, access to our movie club,

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Speaker 3: access to our book club, access to our Facebook group,

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Speaker 3: bi weekly vial estate calls with MG the mortgage guy,

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Speaker 3: and once a month financial planning calls with me. All

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Speaker 3: of that is included in the Eyo University membership. So

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Speaker 3: if you're interested, you can or to Eyo university dot

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Speaker 3: com right now and into promo code e y l

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Speaker 3: at checkout for forty percent off. You got five days. Yeah,

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Speaker 3: So you know, this is one of these situations where

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Speaker 3: it is the momentum has built pretty substantially over the

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Speaker 3: last year, and him five hundred has really grown an

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Speaker 3: online community, and he's done it diligently, and he's done

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Speaker 3: it in real life. We actually got a chance to

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Speaker 3: see a lot of his work. Want to see his conference,

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Speaker 3: and it's very impressive what he's put together. So we've

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Speaker 3: talked about credit before and shout out to everybody that's

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Speaker 3: been on our platform. Ey University and EYL has talked

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Speaker 3: about credit and the credit dude. And but for the

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Speaker 3: most part, the credit that we've talked about is like

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Speaker 3: on the along the lines of like how to repair

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Speaker 3: your credit or how to establish you know, basic level

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Speaker 3: established credit, which is important. We need that levels of

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Speaker 3: understand but you know, it's like there's different sectors of

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Speaker 3: credit and just different sectors of financial literacy. So him

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Speaker 3: five hundred, he focuses on a variety of different things.

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Speaker 3: But I guess what he's been known for the most

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Speaker 3: is how to turn credit into cash. And it's a

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Speaker 3: lot of cool stuff as far as like working with

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Speaker 3: credit and understanding how to utilize cards, understanding how to

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Speaker 3: utilize cards, understanding all kinds.

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Speaker 4: Of we don't seen it all in real life, yea, all.

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Speaker 3: Kinds of stuff, and yeah, it happened in real life.

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Speaker 3: Like I said, you know, we shout out to the

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Speaker 3: whole crew in Atlanta. I don't want to to get anybody,

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Speaker 3: but you know, Alex him five hundred Gooch Maddy j

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Speaker 3: just two weeks out, two weeks out, Yeah, everybody her

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Speaker 3: five hundred. Yeah, most that's a fact. So we we

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Speaker 3: go down there. He realize that they got a whole

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Speaker 3: movement of entrepreneurs out there that's doing that thing. And

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Speaker 3: the young they're black, they're all networking with each other.

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Speaker 3: And him five hundred is the he's one of the

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Speaker 3: members of the crew. And everything that he he raps about,

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Speaker 3: he talks about real life.

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Speaker 4: They said, he's a positive pressure guy. Yo, you got

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Speaker 4: that car, you need to get this call.

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Speaker 3: It's like these rappers, like some rappers actually live it.

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Speaker 3: Some rappers just rapping about it. But everything he talks

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Speaker 3: about he actually lives and we saw it firsthand. So

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Speaker 3: this is an exciting conversation. I'm excited to have it.

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Speaker 3: We're going to talk about a wide variety of hacks,

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Speaker 3: financial literacy, credit stuff that you can't google. This information

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Speaker 3: you can't google. That's what you got.

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Speaker 4: This is in a safe you got you can't crack

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Speaker 4: the safe on this.

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Speaker 3: I like that. So Marcus Barney aka him five hundred,

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Speaker 3: Welcome to EYL. Thank you for joining us.

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Speaker 4: And I appreciate you guys having me. I appreciate it.

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Speaker 4: I'm excited.

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Speaker 3: Yeah, man, yeah, yeah, So let's let's jump right into it.

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Speaker 3: So you have a whole community and you teach thousands

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Speaker 3: of people. But it didn't always start like that, right,

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Speaker 3: So from my understanding, you started as a manager in

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Speaker 3: the cell phone store.

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Speaker 1: Yeah, so I getting started, one of the things that

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Speaker 1: I noticed was, I mean, early on what I started

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Speaker 1: was that was actually doing self phone repair. But I

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Speaker 1: started with real estate at eighteen in California. But that

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Speaker 1: was two thousand and six, market crash two thousand and seven,

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Speaker 1: two thousand and eight, I moved to Atlanta. So when

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Speaker 1: I moved to Atlanta, I found myself doing cell phone

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Speaker 1: repairing cell phones, like doing run around the city fixing

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Speaker 1: everybody's cell phones, and ended up landing me in a

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Speaker 1: cell phone repair shop, and I partnered with the owner

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Speaker 1: and then I started to run a cell phone shop

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Speaker 1: for him on a cell phone repair shot.

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Speaker 3: Okay, so how did that morph into because I know

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Speaker 3: there was some trials and tribulations up to them, How

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Speaker 3: did that turn into what you're doing now?

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Speaker 1: Honestly, that's one of the things that I don't even

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Speaker 1: think a lot of people don't know, share a little

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Speaker 1: bit of insights that I ran into a time at

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Speaker 1: that age, between the age of eighteen and twenty five.

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Speaker 1: I always tell people it's like the most trying time

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Speaker 1: for a young man. And I let money get ahead

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Speaker 1: of me right I started making I probably was making

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Speaker 1: seven to ten thousand dollars a month at the time,

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Speaker 1: had maybe thirty forty thousand dollars in savings. And so

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Speaker 1: as it started to grow, I started to become addicted

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Speaker 1: to money, you know. And as money starts to play

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Speaker 1: a part, it plays, it agreed comes in the play.

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Speaker 1: And what happened was is that the owner Sprint, came

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Speaker 1: and told us, basically, if you don't have three locations,

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Speaker 1: you have to shut your repair center down. What a

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Speaker 1: repair center was making us about twenty plus thousand a

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Speaker 1: month with me running it, I was bringing I was

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Speaker 1: taking fifty percent, he was taking fifty percent. He put

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Speaker 1: it in. He was like, yo, well listen, give me

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Speaker 1: some time. I'm gonna figure something out. But at this

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Speaker 1: time on everybody was like buying iPhones, you know, on

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Speaker 1: the black market, to resell to send overseas. And this

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Speaker 1: is when Sprint first started doing it. So people will

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Speaker 1: come in and people will try to buy iPhones from

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Speaker 1: us for like three four hundred bucks over regular price,

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Speaker 1: but we got paid off the contract. Well, he was like, yo,

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Speaker 1: if I may have an account that probably can order

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Speaker 1: like a few hundred iPhones, you think that the people

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Speaker 1: will buy them. Like, I'm sure they'll buy guaranteed.

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Speaker 4: It's like the first iPhone.

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Speaker 1: This is the it was multiple but it was when

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Speaker 1: they first came to Sprint. So I'm like, yeah, for

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Speaker 1: sure they're buying. I put the phone call in. He

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Speaker 1: brought the account ordered one hundred, one hundred iPhones, one

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Speaker 1: hundred and fifty iPhones. They was worth one hundred thousand dollars. Well,

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Speaker 1: we sold them, split it and twenty two years old.

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Speaker 1: I don't know the back end yet. I don't really

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Speaker 1: know business.

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Speaker 4: He said. Insurance are covered MI.

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Speaker 1: I'm like, yeah, Well he found out the rough and

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Speaker 1: the rugged truth insurance only covered six thousand dollars. Since

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Speaker 1: insurance covered six thousand dollars, you owe ninety four thousand

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Speaker 1: on one hundred thousand dollars worth of iPhones. They already

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Speaker 1: then came out and looked into it. Nobody figured out

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Speaker 1: what happened where they got ordered from nothing, but since

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Speaker 1: it came under his story ID it came back a

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Speaker 1: year later he goes and submits information and say, well,

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Speaker 1: it came from this IP address, and if it came

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Speaker 1: from this IP address, he did it and threw me

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Speaker 1: under the bus. And at this time, now I'm twenty three,

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Speaker 1: twenty four, twenty three almost twenty four, were going back

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Speaker 1: and forth to court and my lawyer just go He's

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Speaker 1: just like, yo, listen, it's nothing concrete saying you did it.

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Speaker 1: But I've seen people convicted on less and I would

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Speaker 1: hate for you to go and fight it and still lose.

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Speaker 1: And I'm like his role, he said, you can put

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Speaker 1: that in there, like basically, if you tell and go

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Speaker 1: to prison, you're still going to Now you're going to

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Speaker 1: go to prison with the jacket on like a jail.

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Speaker 4: You told. So what's your options is it go to

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Speaker 4: jail or repay? Did they give you that option? Like

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Speaker 4: you got to pay this ninety four thousand or go

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Speaker 4: to jail.

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Speaker 1: So that's what they what they did was it's crazy, listen.

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Speaker 1: This is one of the reasons and I always say it,

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Speaker 1: I'm thankful I had a white lawyer for so long.

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Speaker 1: We didn't see eye to eye.

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Speaker 4: I let him go.

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Speaker 1: I was going back and forth to court, and I

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Speaker 1: hire one of my friend's wife to be my lawyer.

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Speaker 1: She was a lawyer. She came to court and when

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Speaker 1: she came to court, she came to court with a

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Speaker 1: Louis bag, diamond bracelet, nice watch, a diamond ring, right.

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Speaker 1: And I look and I go, you like you look

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Speaker 1: popping keep it a buck like you pop it right.

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Speaker 1: And I'm just thinking to myself, like I'm fin think

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Speaker 1: get grilled. We walk in and DA switched. It was

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Speaker 1: nothing but black women. DA's It was a new black girl,

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Speaker 1: D eight and all her assistants and her whole team

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Speaker 1: was black women. Every other lawyer in the courtroom that

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Speaker 1: day was white white men. They some kind of black

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Speaker 1: girl magic happened. She came back and she said, well, listen,

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Speaker 1: how much you feel comfortable that you owe? What's your

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Speaker 1: rep what's the part you feel like you?

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Speaker 4: Oh?

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Speaker 1: I said sixty thousand. She was like okay, they said,

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Speaker 1: you pay the sixty thousand back, you get probation, and

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Speaker 1: you get first offenders like it never happened. And I'm

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Speaker 1: looking at thinking to myself, I've been fighting this case

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Speaker 1: two years going back and forth court and it's over.

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Speaker 1: She yeah, it's over sixty thousand and it's over. But

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Speaker 1: the part, the most trying part, was through the time.

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Speaker 1: I've never been in that situation. So through that time,

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Speaker 1: I don't know what life is because I don't got control.

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Speaker 1: Now I'm like, yo, I have no control over my life.

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Speaker 1: I've never been in a situation where since eighteen i've

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Speaker 1: been in real estate, I've always been ahead and in control.

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Speaker 1: I felt like I ran, like I ran my life,

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Speaker 1: and then I realized, like, yo, you better be on

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Speaker 1: the right path to run your life because this can

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Speaker 1: be gone like this. And so from there that's when

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Speaker 1: I realized, like we closed it out. I got that

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Speaker 1: behind me, and then I started figuring out, you know, me,

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Speaker 1: I worked in banks, so like knowing all the bank procedures,

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Speaker 1: but I know I can't go back if this hold

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Speaker 1: was above me. You know, I couldn't do it while

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Speaker 1: I was fighting the case. So at that point, that's

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Speaker 1: when really I started really learning and digging into credit

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Speaker 1: because I had to figure out, like, yo, I have

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Speaker 1: to now have my own loop, my financial backing, because

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Speaker 1: there's nowhere else for me to get you know, I

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Speaker 1: can't go to work. Kind of money I want to make,

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Speaker 1: I can't go to work, So I need some kind

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Speaker 1: of fund, some kind of trust fund behind me. And

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Speaker 1: I started digging into credit, really getting heavy into that,

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Speaker 1: and then leveraging everything I did working at the banks,

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Speaker 1: and ended up actually even going back to a bank,

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Speaker 1: getting back in and kind of helping people. And then

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Speaker 1: that's when the credit stuff started, because I couldn't work

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Speaker 1: a job because I was used to making money already.

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Speaker 4: That's crazy, man, I mean I read your story. It

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Speaker 4: was like, you've always been an entrepreneur, and so to

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Speaker 4: even have the sixty thousands to beat that that, I mean,

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Speaker 4: that's pretty remarkable.

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Speaker 1: So I had to make payments. I'm not gonna front.

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Speaker 1: I mean I had to make I had to make

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Speaker 1: payments to get it.

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Speaker 3: Then, yeah, I mean, but yeah, I mean that's one

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Speaker 3: of those things where it's like, sometimes everything happens for

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Speaker 3: a reason, well not even sometimes. Everything always happens for

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Speaker 3: a reason, right, And it's like, like you said, between

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Speaker 3: the ages of eighteen and twenty five, especially for anybody,

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Speaker 3: but especially young men, especially black men, it's very tempting.

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Speaker 3: You have a lot of temptations you have music, you

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Speaker 3: have just the culture, society, and a lot of times,

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Speaker 3: you know, we want to get to the finish line

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Speaker 3: a lot quicker than we should with our parents, with

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Speaker 3: our grandparents would advise us. And you know, a hard

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Speaker 3: head makes a soft fast that.

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Speaker 4: I was actually thinking that, like, your life is fast

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Speaker 4: and choosing to move quicker. And then on the other

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Speaker 4: part was like we always talk about this line of shot.

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Speaker 4: You be like, yo, change the school to cop but

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Speaker 4: more poort as loyalties. Yeah, but you got toot out

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Speaker 4: the whole.

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Speaker 3: But the shining light in that for me is that you,

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Speaker 3: you know, saying that using the financial space and me

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Speaker 3: being in the financial space. I know, anything on your

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Speaker 3: record like that, it prohibits you from a lot, like

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Speaker 3: ever really working in the financial space. So it's like

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Speaker 3: now you forced to kind of figure it out. You

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Speaker 3: still have a financial space mind. But that didn't happen.

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Speaker 3: You probably would have just been a regular corporate worker maybe,

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Speaker 3: but now you have to like kind of force yourself

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Speaker 3: in to be like an entrepreneur on the credit side

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Speaker 3: and learn credit. And then that blossomed until where you

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Speaker 3: are now.

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Speaker 1: So learning What happened was is that I said listen.

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Speaker 1: My goal wasn't even getting credit.

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Speaker 4: I started.

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Speaker 1: I learned credit when I was eighteen. My broker, my

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Speaker 1: real estate broker, had a credit pair company. I did

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Speaker 1: all the underwrite, but my goal. When I started messing

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Speaker 1: on credit, I go, okay, I need to get mine together, right,

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Speaker 1: So I start focusing on my credit, figuring it out.

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Speaker 1: And when everything happened, I never like literally the date

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Speaker 1: was January fourth. It was January fourth, two thousand and

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Speaker 1: fifteen when the case closed and was done January twentieth,

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Speaker 1: I started my credit repair company. Between that time, I

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Speaker 1: was figuring out what am I going to do? Like,

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Speaker 1: what am I going to do? I started messing my

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Speaker 1: credit and then I said, well, I'm gonna help other people.

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Speaker 1: And I remember putting it out there like yo, I'm

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Speaker 1: gonna help other people with their credit.

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Speaker 4: Right, I'm leveraging. Mind.

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Speaker 1: I figured it out, see people need it. I remember

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Speaker 1: I made eleven thousand first month. Boom, I go okay,

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Speaker 1: I got something. Start slowing down, and I remember like leveraging,

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Speaker 1: like starting to build my credit up and figuring out

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Speaker 1: what's the benefits because I knew it was more. It

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Speaker 1: had to be more than get buy a house, buy

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Speaker 1: a car, and get a credit card just for emergency purposes.

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Speaker 1: I'm like, nah, it's more to this. This has to

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Speaker 1: be worth more than just this what it is on

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Speaker 1: the simple on the surface. That's where it started to

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Speaker 1: like flourish, and I started digging deep into like, yo,

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Speaker 1: how do I really go and get money? If I

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Speaker 1: want to get credit card and I want to get

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Speaker 1: funded in front of my own business, where do how

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Speaker 1: I get the money?

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Speaker 4: So in twenty fifteen, right, you said, January, what type

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Speaker 4: of things are you doing to leverage your credit? At

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Speaker 4: this point? Are in the beginning.

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Speaker 1: Now, At the beginning, I was trying to make money, okay,

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Speaker 1: So that was the business. That was the business that

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Speaker 1: I had, helping people, showing them how to make money.

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Speaker 1: So when it came from like I remember working in

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Speaker 1: the banks helping helping people with it, and they still

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Speaker 1: couldn't get approved. So then at that point I'm going,

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Speaker 1: I'm looking now, And that's when I started really publicly

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Speaker 1: helping people versus like you know, when I was working before,

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Speaker 1: when I'm working in the bank going through all my trials,

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Speaker 1: I can help people.

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Speaker 4: But it was quiet.

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Speaker 1: It wasn't like a marketed company. So now it's out

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Speaker 1: publicly and I'm working it and it started bringing in

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Speaker 1: So now I'm going, Okay, this is my business. I'm

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Speaker 1: making money off of it. I have good credit. Now, okay,

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Speaker 1: what's the benefits and perks of it? Yeah, that's and

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Speaker 1: then at that point, that's when I started leveraging it,

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Speaker 1: like learned about rewards, how to get credit cards, how

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Speaker 1: to like start credit card stacking and stuff like that.

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Speaker 3: So all right, let's get into it. Let's get into

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Speaker 3: the meat and potatoes of what everybody wants to know

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Speaker 3: this information. So I got questions, I know Troy got

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Speaker 3: some questions. But one thing, that one thing that we

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Speaker 3: have I haven't spoken about Alisha yet, and a lot

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Speaker 3: of people have always asked us to cover it, and

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Speaker 3: they always ask questions about it. It's tradelines. So I'm

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Speaker 3: gonna ask you a couple of questions about tradelines. But before,

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Speaker 3: for people that might not even ever heard of a tradeline,

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Speaker 3: they don't even know what that is. What is a tradeline?

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Speaker 1: So a tradeline is essentially an count on your credit report.

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Speaker 1: So a trade line is any account on your credit

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Speaker 1: report that reports on your credit. So vehicle the vehicle,

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Speaker 1: the history of that of the vehicle from when you

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Speaker 1: open it to when you close it. That's a trade

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Speaker 1: line on your credit report. So it's any account that

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Speaker 1: reflects and shows on your credit report.

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Speaker 3: Okay, so there's like a hack where you can actually

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Speaker 3: add people to Tradeline.

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Speaker 1: As to adding people to your card as an authorized user.

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Speaker 1: So now what happens is this when it comes to

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Speaker 1: authorized users, And yes, it's a lot of details to

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Speaker 1: it that you have to understand, and like different applying

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Speaker 1: when you're applying and you know, getting different things and

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Speaker 1: the benefits of them.

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Speaker 4: But essentially what it is is that if.

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Speaker 1: I got a credit card and I got ten spaces available,

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Speaker 1: I can add you on to my credit card as

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Speaker 1: an authorized user.

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Speaker 4: And this is an authorized user tradeline.

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Speaker 1: If I add you on as an authorized user and

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Speaker 1: I have ten spots available, I charge you six to

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Speaker 1: fifty right, well, six fifty times ten. That's sixty five

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Speaker 1: hundred dollars. I'm only going to leave you on my

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Speaker 1: card for sixty days. I never give you access. I

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Speaker 1: set my account up in a way that you can't

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Speaker 1: compromise me. Now I make sixty five hundred dollars every

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Speaker 1: sixty days off on credit card. End of the year,

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Speaker 1: I make forty thousand dollars off having a credit card,

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Speaker 1: never going into debt, never actually using and spending the

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Speaker 1: bank's money.

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Speaker 3: And that's to help other people build their credit.

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Speaker 1: That's helping other people build and established because it comes

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Speaker 1: to data points on a credit card. How many positive

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Speaker 1: accounts do you have? What's your credit card utilization? All

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Speaker 1: of these things going to consideration when applying and leveraging

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Speaker 1: and using your credit. So when those things come into play,

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Speaker 1: authorized users hit so many points because it gives you accounts,

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Speaker 1: it gives you age history, it gives you utilization. So

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Speaker 1: when your utilization everything is right on your credit card.

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Speaker 1: All of these things reflect on your grown up person's

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Speaker 1: credit report. Who purchases the authorized user.

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Speaker 4: So if I'm the person that's the authorized user, do

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Speaker 4: I get a card or I don't get a card?

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Speaker 4: You don't get a card because like when I this

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Speaker 4: is crazy, Like my credit history goes back to thirty

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Speaker 4: five years, right, I'm thirty eight, but my mom put

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Speaker 4: an American Express card in my name, so my credit

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Speaker 4: so like technically I'm an authorized user. So that was

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Speaker 4: a trade line that she made for me in a sense.

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Speaker 1: So she gave you a card on her account. Yeah,

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Speaker 1: so what happened is is that if she gave you

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Speaker 1: a card on her account, that made you the authorized user,

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Speaker 1: and then that's what started building your history. But see

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Speaker 1: what American expressed, They don't report back history, they just

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Speaker 1: report going forward. So the whole time that you've had

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Speaker 1: that card and she opened that account up, it's been

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Speaker 1: on your credit right building out.

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Speaker 3: So let me ask you this, thanks mom, because.

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Speaker 4: Yeah, shout out to your mom. Thanks mam.

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Speaker 3: We have a large listenership in jails and the federal jails,

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Speaker 3: state jails. It's a very interesting dynamic. I have a

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Speaker 3: lot of friends, family members, and they always report back

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Speaker 3: to me and say that EYL is big in jail.

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Speaker 3: So first of all, shout out to all the guys

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Speaker 3: in jail, hold your head and all the returning citizens.

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Speaker 3: So you was giving us some game about information for

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Speaker 3: that right, as far as like the core logics for

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Speaker 3: felons and things of that nature.

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Speaker 1: Yeah, yeah, So now that's a whole nother bar for everybody.

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Speaker 1: Like listen, I come out of the community. So I've

401
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Speaker 1: been a victim of every single side of prison. Right,

402
00:20:39,480 --> 00:20:44,320
Speaker 1: Pop's gone for life, Uncle gone, So family members, every

403
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Speaker 1: single friend that I grew up with originally from my

404
00:20:46,960 --> 00:20:51,080
Speaker 1: neighborhood has went down that path. And I tell people

405
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Speaker 1: all the time is that those are some of the

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Speaker 1: people coming home from prison that trying to get rehabilitated

407
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Speaker 1: could be the hardest, like trying to get back in

408
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Speaker 1: the community and it's like yo, all doors shut in

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Speaker 1: your face. So what I tell people is that I

410
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Speaker 1: figured out was that core Logic this is what credit learning,

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Speaker 1: the secondary bureaus, Like most people don't know that secondary

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Speaker 1: bureaus is what it's some of the companies that verify

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Speaker 1: your data. So you got companies like Intervis, core Logics, Lexus, Nextus, Sage,

414
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Speaker 1: stream Ars. These are all companies that have secondary data

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Speaker 1: when it comes to your credit. So they're just data

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Speaker 1: furnishing companies. So when you dispute something, a lot of

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Speaker 1: times they're the ones who verify it. Well, I found

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Speaker 1: out that core Logic was the one who verified evictions

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Speaker 1: and convictions. At that point when I realized that core

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Speaker 1: Logic is the company that verifies evictions and convictions, I knew.

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Speaker 1: I said, listen, you mean to tell me that I

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Speaker 1: can fix somebody's credit, but they still get to denial.

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Speaker 1: We if I opt out of core logic, if you

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Speaker 1: got an eviction, you still can get to approval. If

425
00:22:01,000 --> 00:22:03,040
Speaker 1: you got a conviction, you can get to approval because

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Speaker 1: I never gave them permission to share that data and

427
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Speaker 1: that information. So now when you go to get an apartment,

428
00:22:08,640 --> 00:22:11,040
Speaker 1: now write somebody who's in a position they go listen, well,

429
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Speaker 1: I can help people get apartments. So if you understand

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Speaker 1: how to clean your credit and opt out of the

431
00:22:16,320 --> 00:22:19,199
Speaker 1: secondary bureaus, you opt out of core logics. Now you

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Speaker 1: can go and get an approval for apartment.

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Speaker 3: But that's a big thing that hold people from getting apartments,

434
00:22:24,400 --> 00:22:25,680
Speaker 3: is there yep.

435
00:22:25,960 --> 00:22:28,360
Speaker 4: So essentially, like this, I'll break down the whole blueprint.

436
00:22:28,400 --> 00:22:30,199
Speaker 1: This is what you're gonna do, is that you're going

437
00:22:30,240 --> 00:22:35,080
Speaker 1: to opt out and suppress your core Logics, Lexus, Nexus,

438
00:22:35,119 --> 00:22:39,320
Speaker 1: savestream ars in office. You're going to suppress all of those.

439
00:22:39,440 --> 00:22:42,000
Speaker 1: Once you suppress those, now you're going to force the

440
00:22:42,040 --> 00:22:45,680
Speaker 1: credit bureaus to do an investigation with a six oho

441
00:22:45,720 --> 00:22:47,679
Speaker 1: nine letter. So you use a six oh nine dispute

442
00:22:47,760 --> 00:22:49,679
Speaker 1: letter when you sit in that six oh nine dispute

443
00:22:49,720 --> 00:22:52,160
Speaker 1: letter and it's going to make them either verify that

444
00:22:52,200 --> 00:22:56,760
Speaker 1: this account is accurate and verify that it belongs to you. Well,

445
00:22:57,200 --> 00:22:59,920
Speaker 1: now since they don't have anybody to check the accurs

446
00:23:00,080 --> 00:23:03,359
Speaker 1: he's with, they're gonna now have to do investigation. Most

447
00:23:03,480 --> 00:23:06,119
Speaker 1: likely most of the things sixty to seventy times sixties

448
00:23:06,160 --> 00:23:09,480
Speaker 1: to seventy percent of the negative items get removed because

449
00:23:09,480 --> 00:23:15,239
Speaker 1: you already remove the middleman company who's verifying everything. So

450
00:23:15,320 --> 00:23:17,080
Speaker 1: now once you do that, when you go to apply

451
00:23:17,160 --> 00:23:20,639
Speaker 1: for apartments, you now can go and apply and if

452
00:23:20,680 --> 00:23:22,520
Speaker 1: you've ever been evicted, it's not going to show up

453
00:23:22,520 --> 00:23:25,560
Speaker 1: because you suppressed core Logics. And if you got a

454
00:23:25,560 --> 00:23:27,840
Speaker 1: felony on your background, it's not going to show up

455
00:23:27,840 --> 00:23:28,760
Speaker 1: because you've.

456
00:23:30,160 --> 00:23:31,560
Speaker 4: Suppress the chor logic company.

457
00:23:31,560 --> 00:23:32,600
Speaker 3: But like, how do you suppress it?

458
00:23:32,640 --> 00:23:35,120
Speaker 4: Like you have to what's the time length on the suppression?

459
00:23:35,160 --> 00:23:37,040
Speaker 4: Does that happen? So suppress you?

460
00:23:37,160 --> 00:23:39,160
Speaker 1: Basically what you do is freeze the report and opt

461
00:23:39,160 --> 00:23:41,800
Speaker 1: out of them report sewing, and they do it and

462
00:23:41,840 --> 00:23:43,440
Speaker 1: definitely until you opt back in.

463
00:23:43,560 --> 00:23:44,919
Speaker 3: So you like call them and say I want to

464
00:23:44,920 --> 00:23:45,320
Speaker 3: opt out.

465
00:23:45,440 --> 00:23:47,760
Speaker 1: Yeah, so you can call them, you could call or

466
00:23:47,800 --> 00:23:50,920
Speaker 1: you can do it online. So if you like Google

467
00:23:51,440 --> 00:23:54,240
Speaker 1: like Lexus Nexus opt out. You can Google it and

468
00:23:54,280 --> 00:23:56,000
Speaker 1: it'll pop up and take you to the form to

469
00:23:56,000 --> 00:23:57,560
Speaker 1: actually opt out of that report.

470
00:23:58,560 --> 00:23:59,880
Speaker 3: Good to know. Did you know that, Troy?

471
00:24:00,080 --> 00:24:00,800
Speaker 4: I did not know that.

472
00:24:00,960 --> 00:24:01,560
Speaker 3: I do not know.

473
00:24:02,000 --> 00:24:03,520
Speaker 4: I feel like there's gonna be a lot of things today.

474
00:24:03,720 --> 00:24:05,119
Speaker 4: We all go to learn together.

475
00:24:05,160 --> 00:24:07,639
Speaker 1: People don't understand listen, right and the community. That's one

476
00:24:07,640 --> 00:24:09,640
Speaker 1: of the dope things is that I tell people listen.

477
00:24:09,760 --> 00:24:10,840
Speaker 1: That's a business in itself.

478
00:24:10,920 --> 00:24:11,080
Speaker 4: Right.

479
00:24:11,119 --> 00:24:13,359
Speaker 1: We don't know about the secondary bureaus. So you mean

480
00:24:13,440 --> 00:24:15,040
Speaker 1: to tell me, I say, listen. You mean to tell

481
00:24:15,080 --> 00:24:18,879
Speaker 1: me that there's companies out there that do all this information.

482
00:24:18,880 --> 00:24:21,720
Speaker 1: I say, well, listen to one company, Core Logic gives

483
00:24:21,800 --> 00:24:25,080
Speaker 1: us a whole business model. Because if I opt out

484
00:24:25,080 --> 00:24:27,919
Speaker 1: of that, I can now help people clean their credit.

485
00:24:28,440 --> 00:24:32,080
Speaker 1: That's a service. I can now help you get an apartment.

486
00:24:32,560 --> 00:24:34,760
Speaker 1: That's a service. I can bundle it together if I want.

487
00:24:34,760 --> 00:24:37,199
Speaker 1: But listen, I help you get an apartment. Now what

488
00:24:37,240 --> 00:24:38,960
Speaker 1: else do I do? If I know I'm helping people

489
00:24:39,000 --> 00:24:41,320
Speaker 1: get into condos? Listen, I'm gonna find that the newest

490
00:24:41,359 --> 00:24:43,840
Speaker 1: building that's not fully occupied, and I'm gonna send people there.

491
00:24:44,080 --> 00:24:46,080
Speaker 1: Well after three or four people go in and be like, yo,

492
00:24:46,160 --> 00:24:48,480
Speaker 1: him five hundred sent me in here to get apartment.

493
00:24:48,680 --> 00:24:50,560
Speaker 1: They're gonna kind of get familiar and be wonder who's

494
00:24:50,600 --> 00:24:52,880
Speaker 1: in five hundred. And then I show up with gift

495
00:24:52,880 --> 00:24:55,399
Speaker 1: cards and trinkets and nice things, and I build a

496
00:24:55,480 --> 00:24:57,639
Speaker 1: relationship and I say, hey, listen, Now what I do

497
00:24:57,680 --> 00:24:59,480
Speaker 1: is I'm an apartment specialist. I just help people find

498
00:24:59,520 --> 00:25:02,480
Speaker 1: apartments and get into the city, especially new condos, things

499
00:25:02,520 --> 00:25:04,480
Speaker 1: like this, and just ensure that they can get the

500
00:25:04,560 --> 00:25:07,080
Speaker 1: approval when they come. Have my people been getting approved?

501
00:25:07,160 --> 00:25:07,480
Speaker 4: Yes?

502
00:25:07,800 --> 00:25:11,040
Speaker 1: Cool, boom, nice to meet you. Set this, set the

503
00:25:11,119 --> 00:25:14,480
Speaker 1: relationship up. Guess what happens Now I get a referral

504
00:25:14,480 --> 00:25:17,160
Speaker 1: fee from the leasing agent. Now I send it directly

505
00:25:17,200 --> 00:25:20,720
Speaker 1: to the leasing agent. She's gonna want to get paid

506
00:25:20,720 --> 00:25:23,040
Speaker 1: for getting people the least. Well, guess what Now I

507
00:25:23,080 --> 00:25:25,159
Speaker 1: get paid for helping people get the apartment from the

508
00:25:25,240 --> 00:25:25,680
Speaker 1: leasing agent.

509
00:25:25,680 --> 00:25:27,840
Speaker 4: You've been paid four times already. That's three times.

510
00:25:27,840 --> 00:25:30,560
Speaker 1: Three times I got paid from the client for helping

511
00:25:30,560 --> 00:25:32,880
Speaker 1: them with their credit. I got paid for helping them

512
00:25:32,880 --> 00:25:35,520
Speaker 1: get the apartment, making sure everything was approved, make sure

513
00:25:35,520 --> 00:25:38,680
Speaker 1: to get the approval. Then I get the referral fee

514
00:25:38,720 --> 00:25:43,399
Speaker 1: from the leasing agent. Now I'm pretty much responsible for

515
00:25:43,440 --> 00:25:45,080
Speaker 1: helping everybody get apartments in the city.

516
00:25:45,359 --> 00:25:47,000
Speaker 4: I become Penthouse Poppy.

517
00:25:47,000 --> 00:25:52,600
Speaker 1: Imagine right, right, right, yeah, trademark you right, So I

518
00:25:52,640 --> 00:25:54,960
Speaker 1: become Penthouse Poppy. So now I'm I'm in front of

519
00:25:54,960 --> 00:25:57,399
Speaker 1: all the fly buildings, right, I'm in front of all

520
00:25:57,440 --> 00:26:00,600
Speaker 1: the fly buildings. I'm in the penthouses, in the condos.

521
00:26:00,760 --> 00:26:02,760
Speaker 1: But what's the biggest thing when it come to these condos.

522
00:26:03,520 --> 00:26:05,320
Speaker 4: Furniture? Right.

523
00:26:05,359 --> 00:26:07,240
Speaker 1: So, now a lot of people overlook it and don't

524
00:26:07,240 --> 00:26:10,879
Speaker 1: realize furniture has one of the biggest markups. Right, Furniture's

525
00:26:10,920 --> 00:26:14,200
Speaker 1: markup is ridiculous. So then I go to one of

526
00:26:14,240 --> 00:26:16,359
Speaker 1: the furniture stores, the mom and pop furniture stores in

527
00:26:16,359 --> 00:26:19,560
Speaker 1: the area. Guess what they do financing? You can fund,

528
00:26:19,600 --> 00:26:20,720
Speaker 1: you can finance furniture.

529
00:26:20,960 --> 00:26:21,320
Speaker 4: True.

530
00:26:21,760 --> 00:26:24,000
Speaker 1: So now guess what I go and build a relationship. Listen,

531
00:26:24,280 --> 00:26:27,200
Speaker 1: what does it take to get ten thousand dollars in furniture? Right,

532
00:26:27,440 --> 00:26:29,280
Speaker 1: I need a ten thousand dollars approval. Let me see

533
00:26:29,280 --> 00:26:31,040
Speaker 1: what that credit report needs to look like. What does

534
00:26:31,040 --> 00:26:33,480
Speaker 1: this need to look like? This approval process. Now, when

535
00:26:33,520 --> 00:26:36,080
Speaker 1: I get people apartments, I'm gonna send you to the

536
00:26:36,160 --> 00:26:39,920
Speaker 1: local furniture store to now even get the furniture. I'm

537
00:26:39,960 --> 00:26:42,760
Speaker 1: not gonna charge you for that. No, I got the relationship.

538
00:26:42,800 --> 00:26:46,119
Speaker 1: I'm gonna charge the furniture store. And hey, listen, Markup

539
00:26:46,200 --> 00:26:48,800
Speaker 1: is crazy on this. You probably selling for ten thousand,

540
00:26:48,800 --> 00:26:50,879
Speaker 1: you giving them twenty five hundred dollars worth of furniture,

541
00:26:51,119 --> 00:26:54,160
Speaker 1: maybe four. I need a seven hundred and fifty dollars

542
00:26:54,160 --> 00:26:55,720
Speaker 1: referral fee for every client.

543
00:26:55,760 --> 00:26:57,080
Speaker 4: I send it here. But when I go in, you

544
00:26:57,119 --> 00:26:59,159
Speaker 4: go in and introduce yourself. Is listen, makeup.

545
00:26:59,160 --> 00:27:02,520
Speaker 1: And I'm a part and specialists, right, I specialize in

546
00:27:02,600 --> 00:27:06,280
Speaker 1: and I'm an occupancy specialist. Right, I specialize in getting

547
00:27:06,359 --> 00:27:08,840
Speaker 1: all the apartments in the area fully occupied or an

548
00:27:08,880 --> 00:27:14,200
Speaker 1: occupancy level of ninety five plus percent. They're gonna be confused.

549
00:27:14,240 --> 00:27:16,320
Speaker 1: I don't know what that is. But he get people apartments.

550
00:27:16,640 --> 00:27:18,640
Speaker 1: I got a list of people that.

551
00:27:18,680 --> 00:27:20,520
Speaker 4: Need furniture and terry decorated to you.

552
00:27:20,760 --> 00:27:24,119
Speaker 1: Yeah right, yeah, I do interior decorated. So now I

553
00:27:24,160 --> 00:27:27,000
Speaker 1: get paid. Now only am I helping you get the apartment.

554
00:27:27,200 --> 00:27:29,040
Speaker 1: I'm getting paid from getting you the apartment from the

555
00:27:29,119 --> 00:27:31,160
Speaker 1: least an agent. And I'm over here with the furniture

556
00:27:31,160 --> 00:27:33,000
Speaker 1: guy and get a kick on the back end, because

557
00:27:33,000 --> 00:27:34,720
Speaker 1: I'm gonna tell you, hey, listen, your credit is together.

558
00:27:34,760 --> 00:27:36,480
Speaker 1: You can go over here and get ten thousand furniture.

559
00:27:37,160 --> 00:27:40,480
Speaker 1: Now your condo is furnished. And now you just got

560
00:27:40,480 --> 00:27:43,480
Speaker 1: paid four times. Now you get paid four times. That's Penhouse, Poppy.

561
00:27:43,520 --> 00:27:46,200
Speaker 1: That's a business for anybody that's listening. It don't matter

562
00:27:46,200 --> 00:27:47,720
Speaker 1: what your background is, it don't matter.

563
00:27:47,880 --> 00:27:50,879
Speaker 4: It all started from you just suppressing one thing so

564
00:27:50,960 --> 00:27:52,200
Speaker 4: somebody could be approved.

565
00:27:52,560 --> 00:27:55,880
Speaker 1: Literally, that's that's realistically. I used to run that company

566
00:27:56,080 --> 00:27:58,159
Speaker 1: and that's where it started from. That's literally how that

567
00:27:58,200 --> 00:27:59,160
Speaker 1: business started.

568
00:27:58,880 --> 00:27:59,080
Speaker 3: You know what.

569
00:27:59,200 --> 00:28:02,840
Speaker 1: Derek Grace, Yeah, I don't know him personally, but online

570
00:28:02,920 --> 00:28:03,360
Speaker 1: see him.

571
00:28:03,480 --> 00:28:07,320
Speaker 3: Uh, that's that's our guy, good friend of ours. He posted,

572
00:28:07,400 --> 00:28:10,000
Speaker 3: I mean, he posted a post of yours and he

573
00:28:10,080 --> 00:28:11,800
Speaker 3: was like, I don't know bro, but he dangerous.

574
00:28:14,000 --> 00:28:15,560
Speaker 4: Yeah listen, I'm gonna tell you.

575
00:28:15,600 --> 00:28:18,399
Speaker 1: I'm gonna tell you, right, I watched Bro posts and

576
00:28:18,400 --> 00:28:20,600
Speaker 1: and and I and I look and I be like, boy,

577
00:28:20,680 --> 00:28:25,200
Speaker 1: he we we do different stuff, right, But I said, yo,

578
00:28:25,440 --> 00:28:26,560
Speaker 1: he he give it up?

579
00:28:26,640 --> 00:28:27,119
Speaker 4: Like he not?

580
00:28:27,320 --> 00:28:30,359
Speaker 1: He not capping on nothing. He says, like even from

581
00:28:30,480 --> 00:28:32,440
Speaker 1: you know, I look, I don't care.

582
00:28:32,480 --> 00:28:33,360
Speaker 4: I'm wearing diamonds.

583
00:28:34,880 --> 00:28:39,360
Speaker 1: Yeah, but you know, but you know, even with the

584
00:28:39,360 --> 00:28:42,200
Speaker 1: gold game man like bro Vicious, Now it's much respect.

585
00:28:42,960 --> 00:28:45,440
Speaker 3: When he said that that was real, he actually got

586
00:28:45,440 --> 00:28:47,120
Speaker 3: my attention with that. I'm like, nah, it's Dode is

587
00:28:47,160 --> 00:28:51,680
Speaker 3: dangerous man, He's dangerous. Like it's a lot of your

588
00:28:51,800 --> 00:28:54,280
Speaker 3: information is the most important thing in the world, like

589
00:28:54,320 --> 00:28:56,160
Speaker 3: because it's like there's so much stuff that you can

590
00:28:56,240 --> 00:28:58,760
Speaker 3: just change your whole, your whole life, your whole your

591
00:28:58,760 --> 00:29:03,160
Speaker 3: whole generation with just a few vital pieces of information.

592
00:29:03,640 --> 00:29:05,320
Speaker 1: It's all to take, and it's so many of us

593
00:29:05,320 --> 00:29:08,320
Speaker 1: out here leading away giving it up to us and

594
00:29:08,400 --> 00:29:10,560
Speaker 1: giving the information of to really see how people could

595
00:29:10,600 --> 00:29:12,240
Speaker 1: change their life. Like I just laid out, like we're

596
00:29:12,240 --> 00:29:14,440
Speaker 1: on a public podcast, and I just gave out a

597
00:29:14,480 --> 00:29:17,440
Speaker 1: whole business plan off of leveraging one piece of information

598
00:29:17,960 --> 00:29:19,320
Speaker 1: before that, I gave a blueprint.

599
00:29:19,400 --> 00:29:21,120
Speaker 4: I hope they take notes, like, listen.

600
00:29:20,880 --> 00:29:23,840
Speaker 1: I'm giving you. I gave the blueprint. This is how

601
00:29:23,840 --> 00:29:26,480
Speaker 1: you clean your credit after I use a six or

602
00:29:26,560 --> 00:29:30,120
Speaker 1: nine letter. Get familiar with companies like CFPB. This is

603
00:29:30,120 --> 00:29:32,480
Speaker 1: the companies that regulate the credit bureaus. These are things

604
00:29:32,520 --> 00:29:35,720
Speaker 1: that we need to know information that we need and

605
00:29:35,800 --> 00:29:38,280
Speaker 1: I'm looking now when I go, we start looking, and

606
00:29:38,760 --> 00:29:40,840
Speaker 1: so many lives. It's changing off of information.

607
00:29:42,280 --> 00:29:43,080
Speaker 4: Yes, it's a lot.

608
00:29:43,560 --> 00:29:45,240
Speaker 3: Let me ask you. Let me ask you another question.

609
00:29:45,800 --> 00:29:47,920
Speaker 3: You got an interesting thing when you said that turn

610
00:29:47,960 --> 00:29:51,240
Speaker 3: a liability into an asset, And that really struck my

611
00:29:51,280 --> 00:29:53,440
Speaker 3: attention because it's, like you said, we've been programmed so

612
00:29:53,560 --> 00:29:59,280
Speaker 3: long to think that everything is liability on a certain level,

613
00:29:59,360 --> 00:30:02,800
Speaker 3: like that an asset, traditional assets like cars for instance. Right,

614
00:30:03,080 --> 00:30:05,640
Speaker 3: it's like no matter Like we did a video about

615
00:30:05,640 --> 00:30:07,440
Speaker 3: how to like put your car in your business name

616
00:30:07,520 --> 00:30:09,440
Speaker 3: and take the deduction and all that, and a lot

617
00:30:09,440 --> 00:30:11,000
Speaker 3: of people was like that. I didn't know any But

618
00:30:11,040 --> 00:30:13,080
Speaker 3: then there was always some skeptics like, well it's still

619
00:30:13,080 --> 00:30:15,560
Speaker 3: a liability. You still wasting money on it. Well you

620
00:30:15,640 --> 00:30:18,720
Speaker 3: broke down something, and that was kind of crazy. You

621
00:30:18,760 --> 00:30:20,920
Speaker 3: got my attention to how you can actually turn make

622
00:30:21,040 --> 00:30:25,320
Speaker 3: money with the car, like running ads and can you

623
00:30:25,360 --> 00:30:26,160
Speaker 3: talk about that logit?

624
00:30:26,360 --> 00:30:28,680
Speaker 1: Yeah, So when it comes to that, one of the

625
00:30:28,720 --> 00:30:32,520
Speaker 1: things is that, look, I it's fraying and it probably

626
00:30:32,560 --> 00:30:38,320
Speaker 1: rub people the wrong way. Cars are liabilities, right, that's

627
00:30:37,800 --> 00:30:42,000
Speaker 1: a nineteenth century mindset, right, Take that back. That's in

628
00:30:42,040 --> 00:30:45,400
Speaker 1: the nineties and the eighties that that mindset exists. It's

629
00:30:45,400 --> 00:30:47,960
Speaker 1: not relevant now. Only people that that's relevant to is

630
00:30:48,000 --> 00:30:50,280
Speaker 1: people who won't acquire new information and don't stay up

631
00:30:50,280 --> 00:30:52,560
Speaker 1: to date with systems, right, because it's no way that

632
00:30:52,600 --> 00:30:54,480
Speaker 1: you can look at a vehicle unless you just don't

633
00:30:54,520 --> 00:30:58,480
Speaker 1: have the information. I got friends that make six figures

634
00:30:58,600 --> 00:31:01,040
Speaker 1: off of vehicles. No way you're gonna tell me that

635
00:31:01,040 --> 00:31:04,480
Speaker 1: that's a liability. It's a liability if we don't utilize it. Right.

636
00:31:04,720 --> 00:31:06,400
Speaker 1: So then I started telling people, I say, listen, you

637
00:31:06,400 --> 00:31:08,840
Speaker 1: won't you want to learn? Okay, here, let's take a car,

638
00:31:08,920 --> 00:31:09,720
Speaker 1: like a smart car.

639
00:31:09,920 --> 00:31:10,080
Speaker 3: Right.

640
00:31:10,480 --> 00:31:13,560
Speaker 1: I went and found the littlest car, right, littlest car

641
00:31:13,640 --> 00:31:16,480
Speaker 1: that nobody wants. When I tell you, right, it's the

642
00:31:16,520 --> 00:31:18,360
Speaker 1: smart car for two right, Listen to me.

643
00:31:19,040 --> 00:31:20,719
Speaker 4: I didn't think it was yours when I saw it, Right,

644
00:31:20,800 --> 00:31:21,720
Speaker 4: I did. That's all you driving?

645
00:31:21,800 --> 00:31:24,840
Speaker 1: I say, yeah, right, and I'm like yo, Like I

646
00:31:24,880 --> 00:31:26,440
Speaker 1: put music in and everything got beat.

647
00:31:26,480 --> 00:31:27,240
Speaker 4: I'm like, listen.

648
00:31:27,560 --> 00:31:29,640
Speaker 1: Funny thing is that I bought a smart car, and

649
00:31:29,680 --> 00:31:32,080
Speaker 1: then not only so, I bought a smart car. I

650
00:31:32,120 --> 00:31:34,120
Speaker 1: tell people, listen, let me explain something to you. I

651
00:31:34,160 --> 00:31:36,600
Speaker 1: got the smart car. And this is what I teach

652
00:31:36,600 --> 00:31:38,360
Speaker 1: people as well. I say, look, you can go to

653
00:31:38,400 --> 00:31:41,720
Speaker 1: a swap police and literally do a least takeover, put

654
00:31:41,800 --> 00:31:44,000
Speaker 1: no money down out of pocket. Get a car that

655
00:31:44,040 --> 00:31:46,600
Speaker 1: costs two hundred dollars a month. This vehicle costs two

656
00:31:46,640 --> 00:31:49,000
Speaker 1: hundred dollars a month. Now what happens next? Since this

657
00:31:49,080 --> 00:31:51,840
Speaker 1: vehicle costs two hundred dollars a month, I say, he listen,

658
00:31:51,880 --> 00:31:54,080
Speaker 1: early leisure. I got a car that's gonna be in

659
00:31:54,080 --> 00:31:57,120
Speaker 1: in downtown Metro Atlanta twelve hours a day. It'll probably

660
00:31:57,160 --> 00:31:59,560
Speaker 1: get exposed to about twenty thirty thousand people a month.

661
00:32:00,440 --> 00:32:02,560
Speaker 1: Give me two hundred bucks. I want to put earn

662
00:32:02,560 --> 00:32:05,360
Speaker 1: your leisure on the left side in your company promotion.

663
00:32:05,880 --> 00:32:10,800
Speaker 4: Is that something that you'll be okay with? Will do it?

664
00:32:10,880 --> 00:32:12,240
Speaker 3: Sold lights? Right?

665
00:32:12,280 --> 00:32:14,160
Speaker 4: That's that's light. Okay.

666
00:32:14,240 --> 00:32:17,600
Speaker 1: Well, guess what I'm gonna get somebody else to put

667
00:32:17,960 --> 00:32:20,400
Speaker 1: their business on the on the right side. I'm gonna

668
00:32:20,400 --> 00:32:22,240
Speaker 1: get another business to put their business on the back

669
00:32:22,240 --> 00:32:24,560
Speaker 1: of the door, on the back of the vehicle.

670
00:32:24,840 --> 00:32:25,040
Speaker 4: Right.

671
00:32:25,440 --> 00:32:27,840
Speaker 1: I now make six hundred bucks off of two hundred

672
00:32:27,880 --> 00:32:33,400
Speaker 1: dollars liability. Then I say, say, well, how you gonna

673
00:32:33,440 --> 00:32:36,160
Speaker 1: keep it in the Metro Atlanta for twelve hours a day.

674
00:32:36,680 --> 00:32:39,200
Speaker 1: You're gonna drive it. No, I'm gonna go and hire

675
00:32:39,240 --> 00:32:41,959
Speaker 1: somebody to drive it. So now I'm gonna, well, I'm

676
00:32:41,960 --> 00:32:43,520
Speaker 1: gonna rent the car out to somebody who want to

677
00:32:43,560 --> 00:32:46,640
Speaker 1: drive for Uber Eats, grub Hub, door Dash, one of

678
00:32:46,640 --> 00:32:50,840
Speaker 1: the grocery delivery services. Look, give me one fifty a week.

679
00:32:50,960 --> 00:32:53,120
Speaker 1: You don't pay gas or insurance. You give me one

680
00:32:53,160 --> 00:32:56,160
Speaker 1: fifty a week, and you use the vehicle. Now I

681
00:32:56,160 --> 00:32:58,040
Speaker 1: got and you use the car six hours a day.

682
00:32:58,120 --> 00:33:00,920
Speaker 1: You got options, you got access to six hours a day,

683
00:33:01,360 --> 00:33:02,240
Speaker 1: seven days a week.

684
00:33:03,320 --> 00:33:05,040
Speaker 4: That's one person. I do two people.

685
00:33:05,320 --> 00:33:08,160
Speaker 1: So now that's twelve hours. That's the twelve hour shift

686
00:33:08,160 --> 00:33:10,479
Speaker 1: in the day. That's two people paying me one fifty

687
00:33:11,880 --> 00:33:14,480
Speaker 1: one fifty a week. That's three hundred dollars. That's twelve

688
00:33:14,560 --> 00:33:17,440
Speaker 1: hundred dollars a month. So now making twelve hundred dollars

689
00:33:17,440 --> 00:33:20,680
Speaker 1: a month off the drivers, six hundred off the advertisement,

690
00:33:20,960 --> 00:33:23,560
Speaker 1: that's eighteen hundred dollars a month. Sixteen hundred of that

691
00:33:23,680 --> 00:33:27,240
Speaker 1: is profit. I'm making sixteen hundred dollars profit off of

692
00:33:27,280 --> 00:33:31,560
Speaker 1: one vehicle that they said was a liability. If I

693
00:33:31,600 --> 00:33:33,920
Speaker 1: got two cars. I'm thirty two hundred dollars to the

694
00:33:33,960 --> 00:33:37,080
Speaker 1: good every month to the good, thirty two hundred dollars

695
00:33:37,120 --> 00:33:38,160
Speaker 1: a month straight cash on.

696
00:33:38,160 --> 00:33:40,080
Speaker 4: Me what it's one of the best things I've heard

697
00:33:40,120 --> 00:33:42,320
Speaker 4: you say, Man, mindset is the only liability.

698
00:33:42,720 --> 00:33:45,120
Speaker 1: It's and now you make thirty two hundreds a month.

699
00:33:45,120 --> 00:33:49,120
Speaker 1: Imagine this. What's your background need to be? What do

700
00:33:49,160 --> 00:33:51,520
Speaker 1: you need a degree in? That's thirty two hundred dollars

701
00:33:51,560 --> 00:33:54,040
Speaker 1: a month paying for a vehicle. Now, if you really

702
00:33:54,080 --> 00:33:56,400
Speaker 1: get tricky and you understand is that then you go, well,

703
00:33:56,440 --> 00:33:58,040
Speaker 1: it's the other cars out there, and you can look

704
00:33:58,120 --> 00:34:00,440
Speaker 1: up it's websites that attack and say, hey, look, these

705
00:34:00,480 --> 00:34:03,959
Speaker 1: cards perform the best on touro. Right, you can literally

706
00:34:03,960 --> 00:34:05,720
Speaker 1: get one of those cards and then make it pay

707
00:34:05,800 --> 00:34:09,320
Speaker 1: for your other ones, or you just use it as income.

708
00:34:10,239 --> 00:34:11,640
Speaker 1: You come home and you're like, yo, I got my

709
00:34:11,680 --> 00:34:13,399
Speaker 1: credit together, but I don't know what to do with it.

710
00:34:13,560 --> 00:34:15,040
Speaker 4: How do I turn my credit to cash?

711
00:34:15,080 --> 00:34:17,480
Speaker 1: That's one of the credit to cash strategies is actually

712
00:34:17,520 --> 00:34:20,520
Speaker 1: learning how to execute and learn systems.

713
00:34:20,640 --> 00:34:23,200
Speaker 4: All right, So I want to talk about something that

714
00:34:23,280 --> 00:34:25,640
Speaker 4: was a whole lot of game what you're known for,

715
00:34:25,880 --> 00:34:29,360
Speaker 4: and that's turning credit into cash. Most people, when we

716
00:34:29,400 --> 00:34:31,000
Speaker 4: think credit cards and how we get cash on it,

717
00:34:31,000 --> 00:34:33,480
Speaker 4: it's like, hell, if we get a cash advance, then

718
00:34:33,480 --> 00:34:35,759
Speaker 4: we can take money out from it. Yeah, but your

719
00:34:35,760 --> 00:34:39,600
Speaker 4: strategy has no cash advance and it stills liquid and

720
00:34:39,640 --> 00:34:41,920
Speaker 4: can you break that down? So it's a little bit different.

721
00:34:41,920 --> 00:34:43,640
Speaker 1: Like it's a whole bunch of different ways, right when

722
00:34:43,680 --> 00:34:47,160
Speaker 1: it come to like turning credit to cash. And I

723
00:34:47,200 --> 00:34:49,600
Speaker 1: tell people one you don't ever want to do. If

724
00:34:49,600 --> 00:34:51,400
Speaker 1: you had to pull money out doing a cash advance,

725
00:34:51,400 --> 00:34:53,239
Speaker 1: they're going to charge you more and they hit you

726
00:34:53,239 --> 00:34:55,480
Speaker 1: with extra fees and a higher percentage. So I tell

727
00:34:55,520 --> 00:34:57,400
Speaker 1: people kind of stay away from the cash advances. But

728
00:34:57,440 --> 00:34:59,799
Speaker 1: I do things like it's just ways to generate cash.

729
00:35:00,000 --> 00:35:02,759
Speaker 1: That's like my mindset is entrepreneur at all time. So

730
00:35:02,800 --> 00:35:05,239
Speaker 1: like I tell people do things like you know, knowing

731
00:35:05,280 --> 00:35:08,920
Speaker 1: which credit cards to use to do certain things. For example,

732
00:35:10,440 --> 00:35:14,279
Speaker 1: if I go and run ads, right, like I could

733
00:35:14,360 --> 00:35:17,200
Speaker 1: run ads, and when I run ads, I can run

734
00:35:17,239 --> 00:35:20,200
Speaker 1: ads and generate income back. But if I wanted to

735
00:35:20,239 --> 00:35:22,080
Speaker 1: like pull money off, like what you just said, something

736
00:35:22,120 --> 00:35:23,759
Speaker 1: like you just said, like trying to pull money off

737
00:35:23,760 --> 00:35:26,960
Speaker 1: without doing a cash advans fee One of the things

738
00:35:26,960 --> 00:35:28,600
Speaker 1: that we used to do for fun is like I

739
00:35:28,640 --> 00:35:30,560
Speaker 1: would go on a cruise and because when I go

740
00:35:30,600 --> 00:35:32,239
Speaker 1: on a cruise ship, guess what happens on a cruise

741
00:35:32,280 --> 00:35:35,920
Speaker 1: ship is that they give you the debit card the

742
00:35:36,040 --> 00:35:38,200
Speaker 1: room key. So when I go on a cruise ship

743
00:35:38,200 --> 00:35:40,120
Speaker 1: and use the room key, I would just go to

744
00:35:40,200 --> 00:35:44,040
Speaker 1: the casino and get twenty thirty thousand chips and get

745
00:35:44,040 --> 00:35:48,040
Speaker 1: a cashier check and go home. I just pulled my

746
00:35:48,120 --> 00:35:50,399
Speaker 1: money off my credit card, and I got reward points

747
00:35:50,400 --> 00:35:52,239
Speaker 1: because I was on a cruise ship. So since you're

748
00:35:52,239 --> 00:35:53,959
Speaker 1: on a cruise ship, you get five points per dollar.

749
00:35:55,160 --> 00:35:57,080
Speaker 1: So since I'm on a cruise ship, I get five

750
00:35:57,080 --> 00:36:00,160
Speaker 1: points per dollar. I literally got chips. With the room key,

751
00:36:00,280 --> 00:36:02,120
Speaker 1: I can max every card of if I wanted to

752
00:36:02,400 --> 00:36:04,359
Speaker 1: and go home with the cashiers check if I needed

753
00:36:04,360 --> 00:36:06,319
Speaker 1: to use it to invest whatever I needed to do,

754
00:36:06,600 --> 00:36:08,880
Speaker 1: and I still accumulated the reward points. So if I

755
00:36:08,920 --> 00:36:10,440
Speaker 1: need to go buy a house, I literally can go

756
00:36:10,480 --> 00:36:12,880
Speaker 1: on a cruise three days for two hundred bucks, go

757
00:36:12,920 --> 00:36:16,040
Speaker 1: pull off fifty thousand, come home with cashier checks, and

758
00:36:16,080 --> 00:36:17,040
Speaker 1: go do my investment.

759
00:36:17,360 --> 00:36:22,560
Speaker 4: But you sold you. This guy is name, So when

760
00:36:22,600 --> 00:36:24,879
Speaker 4: you take the twenty, no Joe. So when you take

761
00:36:24,920 --> 00:36:27,160
Speaker 4: the twenty, you are paying the twenty back, but you

762
00:36:27,200 --> 00:36:29,480
Speaker 4: are redeeming the rewards.

763
00:36:29,080 --> 00:36:31,200
Speaker 1: Points that come with spending that amount of money. You

764
00:36:31,239 --> 00:36:33,320
Speaker 1: can keep the reward points. That's the perks and benefits

765
00:36:33,320 --> 00:36:35,680
Speaker 1: of having credit. And that's one of the main perks

766
00:36:35,680 --> 00:36:38,040
Speaker 1: and benefits of having credit I tell people is that

767
00:36:38,320 --> 00:36:41,080
Speaker 1: credit cards versus debit cards is that you spend your cash,

768
00:36:41,120 --> 00:36:44,000
Speaker 1: you get nothing back. You don't get big interest from

769
00:36:44,120 --> 00:36:46,440
Speaker 1: letting it sit in the bank. Right, But how do

770
00:36:46,520 --> 00:36:49,319
Speaker 1: we actually use the bank for a benefit? What do

771
00:36:49,360 --> 00:36:51,399
Speaker 1: we get from the bank? And one of the things

772
00:36:51,440 --> 00:36:54,320
Speaker 1: is that why they incentivized it was the reward points.

773
00:36:54,480 --> 00:36:56,080
Speaker 1: But a lot of people in our community don't have

774
00:36:56,120 --> 00:36:59,160
Speaker 1: that information and know how to use the incentives that

775
00:36:59,160 --> 00:36:59,799
Speaker 1: they give us.

776
00:37:00,200 --> 00:37:02,920
Speaker 4: We don't even do the research. The research. I feel

777
00:37:02,920 --> 00:37:06,120
Speaker 4: like like that's like the fine line, Like nobody's reading

778
00:37:06,120 --> 00:37:08,000
Speaker 4: the fine line, Like, yo, you get this these? I

779
00:37:08,000 --> 00:37:09,880
Speaker 4: mean the most we ever look at. It's like, yo,

780
00:37:09,920 --> 00:37:14,480
Speaker 4: can we get airplane rewards or airport awards and hotel rewards?

781
00:37:14,640 --> 00:37:16,920
Speaker 4: But there's so many other things like that.

782
00:37:17,040 --> 00:37:20,200
Speaker 1: You can actually be using this for yo. Listen, Right,

783
00:37:20,360 --> 00:37:22,320
Speaker 1: is that one of the key things is this right.

784
00:37:23,840 --> 00:37:24,160
Speaker 4: Today.

785
00:37:24,360 --> 00:37:27,399
Speaker 1: You know I got on recession proof, right, But I'm

786
00:37:27,400 --> 00:37:30,439
Speaker 1: an advocate of my community. I'm advocated where I come from.

787
00:37:30,880 --> 00:37:32,520
Speaker 1: Some people will be like, yo, it's eight in y'all,

788
00:37:32,560 --> 00:37:35,239
Speaker 1: we shouldn't wear designer clothes. We shouldn't do this and

789
00:37:35,320 --> 00:37:39,680
Speaker 1: do that. Wear support black, own whatever it is, whatever

790
00:37:39,719 --> 00:37:42,600
Speaker 1: you want to wear where naturally you know, things that's

791
00:37:42,680 --> 00:37:48,080
Speaker 1: made from natural products, not cotton. I like wearing nice

792
00:37:48,120 --> 00:37:51,279
Speaker 1: clothes Louis vu Tom FINDI right now some of my

793
00:37:51,360 --> 00:37:55,040
Speaker 1: favorite dre But I know everybody, a lot of people

794
00:37:55,080 --> 00:37:57,680
Speaker 1: in the community, this is what they're after. These the

795
00:37:57,680 --> 00:38:00,520
Speaker 1: things that they desire to wear because it gets a status, right.

796
00:38:00,520 --> 00:38:02,120
Speaker 1: It's kind of a sense of status, and I'll keep

797
00:38:02,120 --> 00:38:04,000
Speaker 1: it a buck it is. It's a sense of status

798
00:38:04,000 --> 00:38:06,279
Speaker 1: that people want something that costs more, something that's extra

799
00:38:06,360 --> 00:38:09,719
Speaker 1: fly and make it separate. We got people growing up

800
00:38:09,760 --> 00:38:14,800
Speaker 1: that in the kids that don't know how to actually

801
00:38:14,800 --> 00:38:18,600
Speaker 1: go and get it without doing something illegal. Right, So

802
00:38:18,640 --> 00:38:21,200
Speaker 1: they going selling drugs and robbing people for these designer

803
00:38:21,280 --> 00:38:23,640
Speaker 1: clothes because nobody told them that, Hey, listen, you can

804
00:38:23,680 --> 00:38:25,920
Speaker 1: actually be an entrepreneur and learn business for you could

805
00:38:25,960 --> 00:38:28,440
Speaker 1: leverage credit and get it for free. So what I

806
00:38:28,440 --> 00:38:32,160
Speaker 1: did was this, I started going and don't I don't

807
00:38:32,200 --> 00:38:33,799
Speaker 1: want to spend my money on stuff. I'm cheap, right,

808
00:38:33,800 --> 00:38:36,600
Speaker 1: I really don't like spending my money. So when I

809
00:38:36,640 --> 00:38:38,440
Speaker 1: get designer clothes, I get it for free. I'm not

810
00:38:38,440 --> 00:38:40,200
Speaker 1: going to spend cash. So in order for me to

811
00:38:40,200 --> 00:38:42,319
Speaker 1: get designer clothes, I say, listen, I can run up

812
00:38:42,360 --> 00:38:48,120
Speaker 1: my reward points and then redeem the transaction. So when

813
00:38:48,120 --> 00:38:50,960
Speaker 1: I go, like I went and went to Louis Vuitton,

814
00:38:51,040 --> 00:38:54,160
Speaker 1: spent six thousand, right like, sixty five hundred dollars in

815
00:38:54,200 --> 00:38:57,440
Speaker 1: Louis Vuitton, and I literally redeem my reward points to

816
00:38:57,480 --> 00:39:00,719
Speaker 1: cover it. How do you get the reward points? People

817
00:39:00,719 --> 00:39:02,440
Speaker 1: don't know. It's the benefits of a credit card. Like

818
00:39:02,520 --> 00:39:06,080
Speaker 1: you said, your gold American Express card alone gives you

819
00:39:06,160 --> 00:39:09,479
Speaker 1: four to five points per dollar, four to five points

820
00:39:09,520 --> 00:39:14,399
Speaker 1: per dollar every dollar you spend on running ads. So

821
00:39:14,440 --> 00:39:18,040
Speaker 1: you mean to tell me you're gonna incentivize me making

822
00:39:18,120 --> 00:39:24,120
Speaker 1: money with your money. Here's one hundred thousand dollars credit card.

823
00:39:24,760 --> 00:39:28,080
Speaker 1: Go run and spend it. Run ads to market your

824
00:39:28,120 --> 00:39:30,839
Speaker 1: business and get in front of people. And I'm gonna

825
00:39:30,840 --> 00:39:35,719
Speaker 1: give you rewards for using my money. I ran one

826
00:39:35,800 --> 00:39:41,839
Speaker 1: hundred thousand ads may had a million dollar money on

827
00:39:41,880 --> 00:39:44,040
Speaker 1: the back end. They gave me seventy five hundred.

828
00:39:44,080 --> 00:39:48,080
Speaker 4: Can we not let that just go over everybody's We're

829
00:39:48,080 --> 00:39:52,319
Speaker 4: just I mean, congrats to you for that.

830
00:39:52,760 --> 00:39:56,839
Speaker 1: Nah, I appreciate it. I appreciate it. But that is

831
00:39:57,480 --> 00:40:00,400
Speaker 1: is that even with that, I'm gonna stay on that power.

832
00:40:00,560 --> 00:40:04,040
Speaker 1: And nobody can say it's not powering a black dollar, right,

833
00:40:04,320 --> 00:40:06,080
Speaker 1: because that is the black dollar. These are things that

834
00:40:06,080 --> 00:40:09,560
Speaker 1: are in services and the community. I built for our community,

835
00:40:09,880 --> 00:40:12,480
Speaker 1: and so this is our money circulating within our community.

836
00:40:13,040 --> 00:40:15,400
Speaker 1: But I literally this is the point, is that the

837
00:40:15,400 --> 00:40:19,799
Speaker 1: information I literally ran off my amex goal, spent one

838
00:40:19,840 --> 00:40:26,040
Speaker 1: hundred thousand, wrung back a million, and then got close

839
00:40:26,120 --> 00:40:29,000
Speaker 1: to like nine thousand reward points. So then I redeemed

840
00:40:29,000 --> 00:40:31,640
Speaker 1: it and went shopping at Louis spent six thousand.

841
00:40:32,760 --> 00:40:34,920
Speaker 4: So when are you redeeming it? Are you getting a

842
00:40:34,960 --> 00:40:36,880
Speaker 4: gift card to the store, Like, are you getting like

843
00:40:36,880 --> 00:40:38,799
Speaker 4: a SAX card or how's that work? Well?

844
00:40:38,800 --> 00:40:41,600
Speaker 1: No, I literally went shopping. Swipe my card. When I

845
00:40:41,640 --> 00:40:44,759
Speaker 1: go shopping and swipe the card, I literally go in

846
00:40:44,800 --> 00:40:47,160
Speaker 1: and you can go into the reward the membership site

847
00:40:47,239 --> 00:40:49,880
Speaker 1: and you just go, hey, redeem purchase. So you just

848
00:40:49,920 --> 00:40:52,719
Speaker 1: redeem the points to cover the purchase the transaction that

849
00:40:52,760 --> 00:40:54,320
Speaker 1: you made and it covered, gotcha.

850
00:40:54,400 --> 00:40:55,640
Speaker 3: Yeah. And the good thing is you can use that

851
00:40:55,680 --> 00:40:58,600
Speaker 3: for variety of different things like travel anything. So it's

852
00:40:58,640 --> 00:41:00,480
Speaker 3: like you're not paying for like you SA. I mean,

853
00:41:00,520 --> 00:41:03,200
Speaker 3: it's like anything that you do. And that's I'm glad

854
00:41:03,239 --> 00:41:04,799
Speaker 3: you said that because it's like I feel like it's

855
00:41:04,840 --> 00:41:08,960
Speaker 3: financial literacy teachers. It's our job to do things responsible.

856
00:41:09,040 --> 00:41:12,040
Speaker 3: So like even when we got our cars, me, Matt

857
00:41:12,080 --> 00:41:13,239
Speaker 3: and Troy, we got raped.

858
00:41:14,440 --> 00:41:16,680
Speaker 4: This episode is brought to you by P and C Bank.

859
00:41:17,080 --> 00:41:19,840
Speaker 4: A lot of people think podcasts about work are boring,

860
00:41:20,040 --> 00:41:23,880
Speaker 4: and sure they definitely can be, but understanding of professionals

861
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Speaker 4: routine shows us how they achieve their success little by little,

862
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Speaker 4: day after day. It's like banking with P and C Bank.

863
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Speaker 4: It might seem boring to save, plan and make calculated

864
00:41:34,560 --> 00:41:37,680
Speaker 4: decisions with your bank, but keeping your money boring is

865
00:41:37,680 --> 00:41:41,040
Speaker 4: what helps you live or more happily fulfilled life. P

866
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Speaker 4: and C Bank Brilliantly boring since eighteen sixty five. Brilliantly

867
00:41:46,000 --> 00:41:48,640
Speaker 4: boring since eighteen sixty five is a service mark of

868
00:41:48,680 --> 00:41:51,920
Speaker 4: the PNC Financial Service Group, Inc. P and C Bank

869
00:41:52,360 --> 00:41:58,960
Speaker 4: National Association member FDIC ernest What's up You ever walk

870
00:41:59,000 --> 00:42:02,560
Speaker 4: into a small business, everything just works like the checkout

871
00:42:02,640 --> 00:42:06,239
Speaker 4: is fast, the receipts are digital, tipping is a breeze,

872
00:42:06,560 --> 00:42:08,800
Speaker 4: and you're out the door before the line even builds

873
00:42:09,040 --> 00:42:13,319
Speaker 4: odds are they're using Square. We love supporting businesses that

874
00:42:13,400 --> 00:42:16,040
Speaker 4: run on Square because it just feels seamless. Whether it's

875
00:42:16,080 --> 00:42:19,040
Speaker 4: a local coffee shop, a vendor at a pop up market,

876
00:42:19,239 --> 00:42:22,120
Speaker 4: or even one of our merch partners. Square makes it

877
00:42:22,239 --> 00:42:25,640
Speaker 4: easy for them to take payments, manage inventory, and run

878
00:42:25,680 --> 00:42:29,680
Speaker 4: their business with confidence, all from one simple system. If

879
00:42:29,719 --> 00:42:32,560
Speaker 4: you're a business owner or even just thinking about launching

880
00:42:32,560 --> 00:42:35,600
Speaker 4: something soon, Square is hands down one of the best

881
00:42:35,600 --> 00:42:38,760
Speaker 4: tools out there to help you start, run, and grow.

882
00:42:39,040 --> 00:42:42,040
Speaker 4: It's not just about payments, it's about giving you time

883
00:42:42,120 --> 00:42:45,040
Speaker 4: back so you can focus on what matters most ready.

884
00:42:45,080 --> 00:42:48,480
Speaker 4: To see how Square can transform your business, visit Square

885
00:42:48,560 --> 00:42:53,080
Speaker 4: dot com backslash go backslash eyl to learn more that

886
00:42:53,280 --> 00:42:58,720
Speaker 4: Square dot com backslash, go backslash eyl. Don't wait, don't hesitate,

887
00:42:58,840 --> 00:43:00,960
Speaker 4: let's Square handle the best back in so you can

888
00:43:01,040 --> 00:43:04,040
Speaker 4: keep pushing your vision forward.

889
00:43:05,120 --> 00:43:09,000
Speaker 5: You just realized your business needed to hire someone yesterday.

890
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891
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904
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905
00:44:03,200 --> 00:44:05,600
Speaker 3: Thank rovers. But we made a video and in what

906
00:44:05,760 --> 00:44:08,279
Speaker 3: like semi viral, but I put it in there like

907
00:44:08,800 --> 00:44:11,440
Speaker 3: don't think that we just did this irresponsibly. And then

908
00:44:11,480 --> 00:44:14,120
Speaker 3: we made like a whole video like explaining like how

909
00:44:14,160 --> 00:44:15,920
Speaker 3: you can actually put your car in your business name

910
00:44:16,000 --> 00:44:17,640
Speaker 3: and take a deduction and all of that. So it's

911
00:44:17,640 --> 00:44:20,640
Speaker 3: like when people see you with you know, these designer

912
00:44:20,719 --> 00:44:23,560
Speaker 3: clothes on, it's not like he's just getting money and

913
00:44:23,640 --> 00:44:26,680
Speaker 3: just spending it on that. Technically, it didn't really cost

914
00:44:26,719 --> 00:44:30,160
Speaker 3: you anything because you're paying for it with reward points.

915
00:44:30,320 --> 00:44:34,160
Speaker 3: You reinvested your money into your business, which grossed more money,

916
00:44:34,560 --> 00:44:36,440
Speaker 3: but you didn't even take the profit of that. You

917
00:44:36,560 --> 00:44:39,080
Speaker 3: just used the reward points to pay for that.

918
00:44:39,360 --> 00:44:41,160
Speaker 1: And I ain't even reinvest my money in my business.

919
00:44:41,160 --> 00:44:43,480
Speaker 1: I'm gonna use their money again next month to make

920
00:44:43,480 --> 00:44:44,000
Speaker 1: more money.

921
00:44:44,080 --> 00:44:45,680
Speaker 3: Well, yeah, because the credit credit.

922
00:44:46,120 --> 00:44:48,400
Speaker 4: I use my money go buy stuff. I think the

923
00:44:48,440 --> 00:44:50,279
Speaker 4: best part is what you said is like, y'all, chief,

924
00:44:51,200 --> 00:44:53,640
Speaker 4: I don't like spending my money. I'm buying that. I'm buying.

925
00:44:53,719 --> 00:44:57,000
Speaker 1: I'm in the middle right now buying a bank one

926
00:44:57,080 --> 00:44:59,959
Speaker 1: point five million. I'm buying a bank in the sense

927
00:45:00,400 --> 00:45:01,320
Speaker 1: I'm buying the land.

928
00:45:01,400 --> 00:45:03,600
Speaker 3: Talk about that, talking about that break.

929
00:45:04,880 --> 00:45:08,400
Speaker 1: Right, yeah, listen, right, So right now I'm in negotiations

930
00:45:08,440 --> 00:45:11,760
Speaker 1: of buying a piece of land that a bank happens

931
00:45:11,760 --> 00:45:13,560
Speaker 1: to sit on, a sun Trust bank.

932
00:45:13,600 --> 00:45:16,480
Speaker 4: They have a twelve year lease in Georgia. Yeah, in Georgia.

933
00:45:16,560 --> 00:45:20,960
Speaker 1: And they're then the amount they pay is about one

934
00:45:21,000 --> 00:45:24,000
Speaker 1: twenty a year. They pay one twenty a year on

935
00:45:24,040 --> 00:45:26,760
Speaker 1: the lease. They got a twelve year lease. The property

936
00:45:26,880 --> 00:45:28,839
Speaker 1: is like one point five. I'm trying to give them

937
00:45:28,920 --> 00:45:31,680
Speaker 1: one point five for the land. Now I own that

938
00:45:31,800 --> 00:45:33,680
Speaker 1: they have a twelve year lease, meaning and a bare

939
00:45:33,719 --> 00:45:37,960
Speaker 1: minimum locking of eight years. So for the next eight years,

940
00:45:38,200 --> 00:45:42,239
Speaker 1: I'm gonna make one point two I mean one hundred

941
00:45:42,280 --> 00:45:47,960
Speaker 1: and twenty five thousand a year. That's a hell of

942
00:45:47,960 --> 00:45:50,440
Speaker 1: a salary off on the land on the bank. And

943
00:45:50,520 --> 00:45:54,680
Speaker 1: I'm still right. This is reinvest This where I put

944
00:45:54,680 --> 00:45:57,279
Speaker 1: my money at instead of putting it into like yo,

945
00:45:57,280 --> 00:45:59,479
Speaker 1: I'm gonna go buy a designer clothes. Now I'm gonna

946
00:45:59,520 --> 00:46:03,680
Speaker 1: keep acquiring land, keep acquiring property and really build and

947
00:46:03,760 --> 00:46:05,759
Speaker 1: learning what to do with money and learning how to

948
00:46:05,800 --> 00:46:08,120
Speaker 1: play real estate. So now I got a long term

949
00:46:08,160 --> 00:46:11,520
Speaker 1: hold at least now it's a bank there, I got

950
00:46:11,520 --> 00:46:13,640
Speaker 1: a long term play for the next eight to ten years.

951
00:46:13,800 --> 00:46:16,120
Speaker 1: That money now just goes back into that can go

952
00:46:16,160 --> 00:46:18,560
Speaker 1: and invest into it with my daughter. And now, you know,

953
00:46:18,640 --> 00:46:20,839
Speaker 1: especially when you can play with money, y'all get so

954
00:46:20,840 --> 00:46:23,000
Speaker 1: many people in here that teach us how to save

955
00:46:23,120 --> 00:46:25,480
Speaker 1: money and invest it and let the interest compound. You

956
00:46:25,560 --> 00:46:27,799
Speaker 1: imagine having one hundred and twenty five thousand coming in

957
00:46:27,840 --> 00:46:30,880
Speaker 1: every year compounding for the next eight years to twelve years.

958
00:46:31,719 --> 00:46:33,440
Speaker 3: We'll ask you this as far as the credit, because

959
00:46:34,239 --> 00:46:39,040
Speaker 3: you're using your AMEX to run the ads, how did

960
00:46:39,080 --> 00:46:41,160
Speaker 3: you get the like how did you get your first

961
00:46:41,160 --> 00:46:43,440
Speaker 3: business credit card? Or you're using your personal credit card

962
00:46:43,520 --> 00:46:45,080
Speaker 3: or is that through the business credit card?

963
00:46:45,239 --> 00:46:45,640
Speaker 4: Business?

964
00:46:45,640 --> 00:46:49,400
Speaker 1: But it started Everything starts like business credit is super sexy,

965
00:46:49,520 --> 00:46:52,799
Speaker 1: is everybody want to talk about business credit? But it

966
00:46:52,840 --> 00:46:56,040
Speaker 1: all starts with your personal So my personal credit report

967
00:46:56,160 --> 00:46:59,200
Speaker 1: was structured properly and I was a PG. So I

968
00:46:59,280 --> 00:47:02,440
Speaker 1: did a personal get tour, put my social on the line,

969
00:47:03,360 --> 00:47:05,880
Speaker 1: put in my business name, and then that's how how

970
00:47:05,880 --> 00:47:07,480
Speaker 1: you're doing I just kept building.

971
00:47:07,440 --> 00:47:08,960
Speaker 3: Just kept doing it, like that same thing with the

972
00:47:08,960 --> 00:47:11,040
Speaker 3: personal like the same way you build personal credit. You

973
00:47:11,040 --> 00:47:13,279
Speaker 3: just build it that way. Yeah, could history pay your

974
00:47:13,320 --> 00:47:14,280
Speaker 3: bills on time.

975
00:47:14,320 --> 00:47:16,759
Speaker 1: Getting your net thirties, net sixties, different things on it.

976
00:47:17,719 --> 00:47:19,920
Speaker 1: But my main goal, like where I really focused that

977
00:47:20,160 --> 00:47:22,360
Speaker 1: was all on the personal side.

978
00:47:22,400 --> 00:47:24,080
Speaker 3: So what was the first limit? You remember, like the

979
00:47:24,080 --> 00:47:26,040
Speaker 3: first limit that you got on your business credit like

980
00:47:26,080 --> 00:47:27,160
Speaker 3: a small with a small amount.

981
00:47:27,400 --> 00:47:31,200
Speaker 1: Yeah, but oh business or personal business on the business side,

982
00:47:31,719 --> 00:47:34,719
Speaker 1: first limit, Nah, that first limit wasn't That first limit

983
00:47:34,800 --> 00:47:35,240
Speaker 1: was nasty.

984
00:47:35,280 --> 00:47:37,320
Speaker 4: It was like thirty thousand.

985
00:47:37,880 --> 00:47:40,600
Speaker 3: Then we started getting you already established it from the personal.

986
00:47:40,400 --> 00:47:41,160
Speaker 4: Yeah, not my ea.

987
00:47:41,200 --> 00:47:43,200
Speaker 3: So as long as your personal is good, you should

988
00:47:43,200 --> 00:47:45,600
Speaker 3: be able to get a substantial amount of business.

989
00:47:45,360 --> 00:47:46,040
Speaker 4: You just Yeah.

990
00:47:46,239 --> 00:47:47,919
Speaker 1: The thing is that That's why I tell people work

991
00:47:47,920 --> 00:47:50,880
Speaker 1: your personal because then once you work your personal credit,

992
00:47:51,120 --> 00:47:53,279
Speaker 1: once you work that personal side, when you go to

993
00:47:53,320 --> 00:47:55,680
Speaker 1: get business credit, you're going to get double on trip

994
00:47:55,680 --> 00:47:57,880
Speaker 1: of your limits from what you have on the personal.

995
00:47:57,960 --> 00:48:00,640
Speaker 1: So if you work this, get these large, let them season.

996
00:48:01,520 --> 00:48:03,279
Speaker 1: Let your personal card season.

997
00:48:03,640 --> 00:48:04,520
Speaker 4: And grow those.

998
00:48:04,719 --> 00:48:06,680
Speaker 1: When you go to apply for business you should you

999
00:48:06,680 --> 00:48:09,319
Speaker 1: shouldn't be going getting a ten thousand dollar business credit card.

1000
00:48:09,680 --> 00:48:11,640
Speaker 3: So you have multiple because like they say, personal cards,

1001
00:48:11,640 --> 00:48:14,040
Speaker 3: you shouldn't have like more than like three or four.

1002
00:48:14,200 --> 00:48:15,879
Speaker 3: Like does that matter with business.

1003
00:48:15,600 --> 00:48:17,680
Speaker 4: Or business is a little bit.

1004
00:48:18,120 --> 00:48:20,720
Speaker 1: Business is different because business doesn't report on your credit.

1005
00:48:21,520 --> 00:48:26,560
Speaker 1: Some do, like Capital one. Don't get that one if

1006
00:48:26,560 --> 00:48:28,319
Speaker 1: you don't want to show on your credit report. That's

1007
00:48:28,320 --> 00:48:31,040
Speaker 1: one of the business cards that show but my thing

1008
00:48:31,160 --> 00:48:33,960
Speaker 1: is that I show I specialize in like personal side.

1009
00:48:34,280 --> 00:48:36,160
Speaker 1: I got a sequence I learned how to do and

1010
00:48:36,200 --> 00:48:39,640
Speaker 1: go get fifteen personal credit cards with only like five inquiries.

1011
00:48:41,680 --> 00:48:43,719
Speaker 4: I need to ask you that, but before I want

1012
00:48:43,719 --> 00:48:46,520
Speaker 4: the explanation on that. But while you're saying this, and like,

1013
00:48:47,400 --> 00:48:50,239
Speaker 4: how does one grow the limits on their credit cards?

1014
00:48:50,320 --> 00:48:50,400
Speaker 1: Right?

1015
00:48:50,400 --> 00:48:52,239
Speaker 4: Because like sometimes like you can have a credit card,

1016
00:48:52,280 --> 00:48:54,799
Speaker 4: you pay it off, and like you actually have to

1017
00:48:54,840 --> 00:48:56,759
Speaker 4: go in and try to increase it. But sometimes there

1018
00:48:56,760 --> 00:49:01,520
Speaker 4: will be a situation where the company will say we've

1019
00:49:01,520 --> 00:49:03,400
Speaker 4: increased it because of your good standing. Is there a

1020
00:49:03,480 --> 00:49:06,359
Speaker 4: strategy to grow it? To double it and triple it?

1021
00:49:06,680 --> 00:49:09,600
Speaker 1: So when it comes to growing your credit cards, like

1022
00:49:09,640 --> 00:49:11,960
Speaker 1: I tell people that you want to put everything on them,

1023
00:49:12,040 --> 00:49:14,399
Speaker 1: I'll take like, if you're gonna work credit cards, take

1024
00:49:14,440 --> 00:49:15,960
Speaker 1: a few of them, like because I teach how to

1025
00:49:15,960 --> 00:49:18,040
Speaker 1: get massive amounts. But if you only have a few,

1026
00:49:18,440 --> 00:49:20,480
Speaker 1: what you want to do is put everything. You should

1027
00:49:20,520 --> 00:49:22,759
Speaker 1: never use a debit card, right, And this is the

1028
00:49:22,840 --> 00:49:26,359
Speaker 1: example I tell people. I say, listen, if if you're

1029
00:49:26,360 --> 00:49:29,600
Speaker 1: walking down a dark alley with ten thousand in your

1030
00:49:29,640 --> 00:49:32,239
Speaker 1: pocket where they robbing people at who money you want

1031
00:49:32,280 --> 00:49:39,200
Speaker 1: in your pocket yours or mine, it's yours exactly. So

1032
00:49:39,480 --> 00:49:42,000
Speaker 1: every day you go out and you swiping your debit

1033
00:49:42,040 --> 00:49:47,000
Speaker 1: card with your heart o money, your hard earned money versus,

1034
00:49:47,040 --> 00:49:48,879
Speaker 1: and you put it at risk. We all know how

1035
00:49:49,280 --> 00:49:53,200
Speaker 1: fraud and how high it is now, right, So every

1036
00:49:53,280 --> 00:49:55,240
Speaker 1: day when you go out and you're using your debit

1037
00:49:55,280 --> 00:49:57,680
Speaker 1: card and you're putting it online and you're making purchases,

1038
00:49:57,920 --> 00:50:01,680
Speaker 1: you're putting your money at risk. So when you put

1039
00:50:01,719 --> 00:50:04,360
Speaker 1: your money at risk, why would instead of put everything

1040
00:50:04,400 --> 00:50:06,200
Speaker 1: on your debit card, I mean on your credit card,

1041
00:50:07,160 --> 00:50:10,040
Speaker 1: put everything that you spend on a credit card and

1042
00:50:10,280 --> 00:50:12,960
Speaker 1: pay it off, not go buy and buy whatever you

1043
00:50:13,080 --> 00:50:15,200
Speaker 1: want the money that you would have spent out of

1044
00:50:15,200 --> 00:50:18,160
Speaker 1: your debit. Then you pay your credit card back off,

1045
00:50:18,719 --> 00:50:20,600
Speaker 1: pay your credit card bill a few days early, two

1046
00:50:20,680 --> 00:50:23,799
Speaker 1: three days early, but pay your credit card back off.

1047
00:50:24,040 --> 00:50:27,000
Speaker 1: And not only are you leveraging and putting somebody else's

1048
00:50:27,000 --> 00:50:30,839
Speaker 1: money at risk, you also get incentivized for using it.

1049
00:50:31,440 --> 00:50:35,160
Speaker 1: So everything that you spend should automatically run off of

1050
00:50:36,000 --> 00:50:38,760
Speaker 1: an actual credit card. I run everything that I spend

1051
00:50:38,760 --> 00:50:42,600
Speaker 1: off a credit card, and so that decision increases it.

1052
00:50:42,920 --> 00:50:44,640
Speaker 4: Yeah, yeah, when you keep.

1053
00:50:44,440 --> 00:50:46,520
Speaker 1: Maxing it out, like if you can figure out depending

1054
00:50:46,520 --> 00:50:48,279
Speaker 1: on what you're doing. Like with me, we'll run it

1055
00:50:48,320 --> 00:50:51,920
Speaker 1: ass Like I specialize with really helping entrepreneurs, Like we

1056
00:50:51,960 --> 00:50:54,279
Speaker 1: all have to learn how to make money ourselves. How

1057
00:50:54,320 --> 00:50:55,800
Speaker 1: do we turn our credit to cash? How do we

1058
00:50:55,840 --> 00:50:58,319
Speaker 1: grow our businesses? So if we're going to use and

1059
00:50:58,360 --> 00:51:00,640
Speaker 1: grow a business, I'm gonna use my car. So like

1060
00:51:00,680 --> 00:51:04,520
Speaker 1: I max my card out on ads, right, I'm Facebook ads,

1061
00:51:04,800 --> 00:51:06,239
Speaker 1: Facebook ads, things like that.

1062
00:51:06,440 --> 00:51:09,080
Speaker 4: I also built a relationship. Man, y'all got me talking.

1063
00:51:11,120 --> 00:51:12,240
Speaker 4: Don't worry, no one's listening.

1064
00:51:13,000 --> 00:51:16,840
Speaker 1: I built a relationship. I built a relationship with a

1065
00:51:16,880 --> 00:51:21,120
Speaker 1: guy at a watch store, and he would resell watches, right,

1066
00:51:21,480 --> 00:51:24,200
Speaker 1: So he had the opportunity. He was like, Yo, you

1067
00:51:24,239 --> 00:51:26,520
Speaker 1: know it only takes me about seven or fourteen days

1068
00:51:26,520 --> 00:51:29,280
Speaker 1: to resell a watch. People come in all the time,

1069
00:51:29,520 --> 00:51:31,279
Speaker 1: trade in. You know, you get hit when you go

1070
00:51:31,320 --> 00:51:33,719
Speaker 1: to trade to watch it, so they're not going to

1071
00:51:33,800 --> 00:51:36,239
Speaker 1: give you full value. Well, he says, listen, if we

1072
00:51:36,239 --> 00:51:38,920
Speaker 1: buy it the same night, I can get it for

1073
00:51:38,960 --> 00:51:41,319
Speaker 1: what they paid before my store puts it online and

1074
00:51:41,360 --> 00:51:43,040
Speaker 1: puts it in the system. We can buy it for

1075
00:51:43,080 --> 00:51:45,240
Speaker 1: the same price. So what we would do is literally

1076
00:51:45,640 --> 00:51:48,360
Speaker 1: I gave him I let him hold one of my platinums.

1077
00:51:48,400 --> 00:51:51,399
Speaker 1: He would buy the watch when it came in at night,

1078
00:51:52,280 --> 00:51:55,080
Speaker 1: resell it because for the value of it. He already

1079
00:51:55,160 --> 00:51:57,640
Speaker 1: was known for selling watches. He reseller for the value.

1080
00:51:58,000 --> 00:52:01,279
Speaker 1: I'm getting credit on my credit card for how much

1081
00:52:01,320 --> 00:52:03,879
Speaker 1: to watch costs. We started with twelve thousand, We didn't,

1082
00:52:03,880 --> 00:52:07,319
Speaker 1: did sixty thousand, we didn't did fourteen's twenty fours, and

1083
00:52:07,680 --> 00:52:10,439
Speaker 1: literally built it out, max in the card out. Now

1084
00:52:10,560 --> 00:52:13,160
Speaker 1: my credit card on like that platinum I got. It's

1085
00:52:13,160 --> 00:52:17,320
Speaker 1: two hundred thousand a limit, sure, but it's just information

1086
00:52:17,400 --> 00:52:19,600
Speaker 1: and being able to seize the opportunity. And you know,

1087
00:52:19,640 --> 00:52:20,879
Speaker 1: that was one of the things we had a good

1088
00:52:20,880 --> 00:52:23,120
Speaker 1: relationship and trust coming to play. That ain't something you

1089
00:52:23,160 --> 00:52:25,440
Speaker 1: can people can duplicate. So I don't really speak on

1090
00:52:25,480 --> 00:52:27,680
Speaker 1: that a lot because that's not something you can duplicate.

1091
00:52:28,000 --> 00:52:29,880
Speaker 1: But it's just things that happen.

1092
00:52:31,120 --> 00:52:32,160
Speaker 3: Just knowing.

1093
00:52:32,200 --> 00:52:34,799
Speaker 4: So let's go back a little bit. So how do

1094
00:52:34,840 --> 00:52:38,040
Speaker 4: we acquire the multiple cards without having so many inquiries?

1095
00:52:38,080 --> 00:52:41,120
Speaker 4: Because that's I mean, I do anything and it's like

1096
00:52:41,760 --> 00:52:48,320
Speaker 4: you've got an alert. I'm like, yeah, is that man?

1097
00:52:48,880 --> 00:52:58,319
Speaker 1: So so no, look we here, man, it's really for

1098
00:52:58,400 --> 00:52:58,719
Speaker 1: the coach.

1099
00:53:00,000 --> 00:53:03,719
Speaker 4: Hey, listen, I'm gonna tell y'all. Listen, I'm gonna be

1100
00:53:03,800 --> 00:53:09,600
Speaker 4: telling people, right. Yeah, so, but no, it's one of

1101
00:53:09,600 --> 00:53:10,040
Speaker 4: the greatest.

1102
00:53:10,320 --> 00:53:10,560
Speaker 3: Yeah.

1103
00:53:10,960 --> 00:53:14,600
Speaker 1: So what we do is that we gotta understand, right,

1104
00:53:14,640 --> 00:53:16,279
Speaker 1: I'm gonna break it down to yalls that we got

1105
00:53:16,320 --> 00:53:17,760
Speaker 1: to understand that banks have rules.

1106
00:53:18,040 --> 00:53:18,239
Speaker 4: Right.

1107
00:53:18,440 --> 00:53:20,759
Speaker 1: I remember going to people. I'm not gonna hold you.

1108
00:53:20,800 --> 00:53:22,879
Speaker 1: I remember going and I was I was in credit

1109
00:53:22,960 --> 00:53:24,680
Speaker 1: and I was getting good and I'm going try and

1110
00:53:24,719 --> 00:53:26,439
Speaker 1: figure out how they do funding because I'm like, yo,

1111
00:53:26,680 --> 00:53:29,799
Speaker 1: I don't believe in no man fishing for me, right,

1112
00:53:30,160 --> 00:53:32,319
Speaker 1: You're not gonna go and fish for me. I want

1113
00:53:32,320 --> 00:53:34,560
Speaker 1: to learn how to fish myself, so I wouldn't pay

1114
00:53:34,600 --> 00:53:36,920
Speaker 1: anybody to get me funded. So I'm not gonna go

1115
00:53:37,000 --> 00:53:38,800
Speaker 1: and say, hey, let me go to Rashad so he

1116
00:53:38,840 --> 00:53:40,680
Speaker 1: can get me funded, and I'm gonna give him ten percent.

1117
00:53:41,320 --> 00:53:41,520
Speaker 4: Right.

1118
00:53:41,920 --> 00:53:44,200
Speaker 1: A lot of people are okay with it because they're lazy,

1119
00:53:44,239 --> 00:53:46,040
Speaker 1: they don't want to they don't have that drive. My

1120
00:53:46,120 --> 00:53:48,359
Speaker 1: thing is that I need to know it because I

1121
00:53:48,400 --> 00:53:51,800
Speaker 1: need to be able to make adjustments and help other people.

1122
00:53:51,920 --> 00:53:53,839
Speaker 1: Put my other family on. Were not often to come

1123
00:53:53,880 --> 00:53:58,719
Speaker 1: and give you ten percent. So I remember running through

1124
00:53:58,719 --> 00:54:01,839
Speaker 1: a sequence and figuring out. I'm like, how do I

1125
00:54:01,880 --> 00:54:04,759
Speaker 1: do it? And I try to apply for credit cards

1126
00:54:04,760 --> 00:54:08,759
Speaker 1: and they all got to not I'm like something wrong.

1127
00:54:09,200 --> 00:54:11,600
Speaker 1: So I'm like, okay, do more research because you can't

1128
00:54:11,600 --> 00:54:12,760
Speaker 1: just apply for credit cards.

1129
00:54:12,800 --> 00:54:13,520
Speaker 4: So I go okay.

1130
00:54:14,760 --> 00:54:18,000
Speaker 1: So over time i'm and I apologize. My family might

1131
00:54:18,000 --> 00:54:20,520
Speaker 1: feel some kind of way. I torched so many credit reports,

1132
00:54:21,000 --> 00:54:23,120
Speaker 1: like yo, I'm telling you they had increaes, Like my

1133
00:54:23,160 --> 00:54:25,160
Speaker 1: wife at one point had like twenty four inquiries. I

1134
00:54:25,200 --> 00:54:29,799
Speaker 1: was trying to figure it out, right like moms, brothers, right,

1135
00:54:30,000 --> 00:54:33,719
Speaker 1: everybody had it like everybody. One of my cousins is

1136
00:54:33,760 --> 00:54:35,520
Speaker 1: the ones who when we figured it out with he

1137
00:54:35,920 --> 00:54:41,240
Speaker 1: got the move. But I started learning that banks have rules.

1138
00:54:41,719 --> 00:54:43,560
Speaker 1: A lot of people are familiar that Chase has a

1139
00:54:43,600 --> 00:54:45,759
Speaker 1: five to twenty four rule. You can't get more than

1140
00:54:45,800 --> 00:54:48,440
Speaker 1: five credit cards with Chase in twenty four months, right,

1141
00:54:48,880 --> 00:54:52,760
Speaker 1: and so okay, okay, get it. So then I started researching,

1142
00:54:52,840 --> 00:54:55,200
Speaker 1: and then you got banks like Bank of America that

1143
00:54:55,360 --> 00:54:55,839
Speaker 1: has a.

1144
00:54:55,760 --> 00:54:56,680
Speaker 4: Two three four rule.

1145
00:54:56,920 --> 00:55:00,560
Speaker 1: You can get two credit cards every three months, three

1146
00:55:00,560 --> 00:55:05,480
Speaker 1: credit cards in a year, four credit cards total. Okay,

1147
00:55:05,680 --> 00:55:08,360
Speaker 1: that's their rule. But they don't worry about if you

1148
00:55:08,400 --> 00:55:12,440
Speaker 1: get credit cards from other banks. So I started learning

1149
00:55:12,440 --> 00:55:14,759
Speaker 1: the rules. Barclays has a rule you can get one

1150
00:55:14,760 --> 00:55:19,920
Speaker 1: credit card every day, so it excites people. But the

1151
00:55:20,239 --> 00:55:22,560
Speaker 1: cold part is The exciting part was the fact that

1152
00:55:22,600 --> 00:55:24,919
Speaker 1: Bank of America will let you get two credit cards

1153
00:55:24,960 --> 00:55:27,960
Speaker 1: every three months. But the two credit cards that you

1154
00:55:27,960 --> 00:55:31,359
Speaker 1: can get every three months you can get the same day.

1155
00:55:31,520 --> 00:55:33,120
Speaker 1: If you get them at the same time, you get

1156
00:55:33,160 --> 00:55:35,080
Speaker 1: them on the same inquiry, you get one inquiry to

1157
00:55:35,200 --> 00:55:40,520
Speaker 1: credit cards. See Barclays ain't that great yet? One credit

1158
00:55:40,520 --> 00:55:42,800
Speaker 1: card every day, I can only get one because I

1159
00:55:42,840 --> 00:55:45,759
Speaker 1: can't come back tomorrow. Once these inquiries hit, I'm done,

1160
00:55:46,040 --> 00:55:49,560
Speaker 1: can't come back right. So this is when I started

1161
00:55:49,600 --> 00:55:53,160
Speaker 1: learning how to stack my credit card applications together. Then

1162
00:55:53,200 --> 00:55:56,640
Speaker 1: you have to understand is that listen every bank see

1163
00:55:56,640 --> 00:55:58,719
Speaker 1: a lot of people get their credit together and the

1164
00:55:58,800 --> 00:56:00,880
Speaker 1: dream credit cards American Express.

1165
00:56:02,040 --> 00:56:02,640
Speaker 4: Listen to me.

1166
00:56:03,320 --> 00:56:08,479
Speaker 1: American Express goes last before discover the reason being they're

1167
00:56:08,480 --> 00:56:11,120
Speaker 1: not strict on inquiries. They're strict on new accounts. So

1168
00:56:11,160 --> 00:56:12,839
Speaker 1: if you don't have any new accounts within the last

1169
00:56:12,840 --> 00:56:15,440
Speaker 1: six months, I can get you approved for American Express

1170
00:56:15,480 --> 00:56:18,480
Speaker 1: with eighteen inquiries. This is where you want to be

1171
00:56:18,520 --> 00:56:22,400
Speaker 1: at is you want to look and go amex Chase.

1172
00:56:22,800 --> 00:56:25,360
Speaker 1: You put them last. They're not super strict on inquiries,

1173
00:56:26,560 --> 00:56:30,200
Speaker 1: and you have to understand with them is that they're

1174
00:56:30,239 --> 00:56:32,200
Speaker 1: going to come. And the reason they're not strict on

1175
00:56:32,200 --> 00:56:34,160
Speaker 1: inquiries is because they're going to do more of their

1176
00:56:34,280 --> 00:56:38,080
Speaker 1: verification and underwriting on the back end. You got companies

1177
00:56:38,200 --> 00:56:44,279
Speaker 1: like Barclays, Alliant, Davy, they do their underwriting on the

1178
00:56:44,320 --> 00:56:46,879
Speaker 1: front So if anybody like most of the time, when

1179
00:56:46,880 --> 00:56:50,720
Speaker 1: you get approval from Barclays, it may take you forty

1180
00:56:50,760 --> 00:56:53,399
Speaker 1: eight hours, and it takes you forty eight hours because

1181
00:56:53,400 --> 00:56:55,759
Speaker 1: they're doing their underwriting on the front side. They don't

1182
00:56:55,800 --> 00:56:57,239
Speaker 1: go through. They may hit you and ask you for

1183
00:56:59,160 --> 00:57:02,080
Speaker 1: verification documents income prove your income. They may hit you

1184
00:57:02,120 --> 00:57:06,640
Speaker 1: with that cool Chase is gonna hit you with a

1185
00:57:06,680 --> 00:57:07,240
Speaker 1: soft pool.

1186
00:57:07,320 --> 00:57:07,560
Speaker 4: Later.

1187
00:57:08,280 --> 00:57:10,520
Speaker 1: Let your credit card utilization start going out of whack,

1188
00:57:10,560 --> 00:57:12,799
Speaker 1: like you're using this credit card heavy. They'll hit you

1189
00:57:12,840 --> 00:57:14,759
Speaker 1: with a soft pool. When they do a soft pool.

1190
00:57:14,760 --> 00:57:17,960
Speaker 1: If your credit score it has dropped, you gotta derogatory marks.

1191
00:57:18,240 --> 00:57:21,320
Speaker 1: Your utilization is out of whack, they gonna slice your limits.

1192
00:57:21,800 --> 00:57:24,600
Speaker 1: American Express is gonna come and say well you put

1193
00:57:24,880 --> 00:57:28,360
Speaker 1: one hundred and fifty thousand on your application. They gonna

1194
00:57:28,360 --> 00:57:30,360
Speaker 1: come a year later ask for an income verification. They're

1195
00:57:30,360 --> 00:57:33,120
Speaker 1: gonna ask to dish your tie your tax returns and say,

1196
00:57:33,160 --> 00:57:37,960
Speaker 1: well you already made forty thousand, slice your limits, discover

1197
00:57:38,080 --> 00:57:41,680
Speaker 1: does the same thing. All of this is what helps

1198
00:57:41,720 --> 00:57:43,560
Speaker 1: we have to under This is the information that we

1199
00:57:43,680 --> 00:57:46,160
Speaker 1: have to understand when it comes to credit card stacking.

1200
00:57:46,200 --> 00:57:48,000
Speaker 1: So when you say, how do you get multiple credit

1201
00:57:48,000 --> 00:57:50,040
Speaker 1: cards at one time? You have to look and learn

1202
00:57:50,080 --> 00:57:51,960
Speaker 1: the rules of which credit cards can I apply for

1203
00:57:52,040 --> 00:57:54,960
Speaker 1: and get multiple cards at one time from one bank

1204
00:57:55,240 --> 00:58:00,600
Speaker 1: on one inquiry, literally stack them all together and do

1205
00:58:00,680 --> 00:58:01,520
Speaker 1: it at the same time.

1206
00:58:02,520 --> 00:58:09,600
Speaker 4: M hm, So key to that man fire outstanding.

1207
00:58:10,520 --> 00:58:14,320
Speaker 3: So let's let's talk about recession proof, right, because at

1208
00:58:14,360 --> 00:58:17,680
Speaker 3: some point it's like you learning all this stuff, learning

1209
00:58:17,720 --> 00:58:20,200
Speaker 3: this information, and it's changing your life. I'm assuming it's

1210
00:58:20,240 --> 00:58:23,320
Speaker 3: changing your family's life. At what point do you turn

1211
00:58:23,400 --> 00:58:27,880
Speaker 3: that into changing and educating other people?

1212
00:58:29,160 --> 00:58:32,680
Speaker 1: Listen with that part, that was never my goal, right,

1213
00:58:32,760 --> 00:58:35,320
Speaker 1: I'm honest, like that was never my goal. My goal

1214
00:58:35,400 --> 00:58:38,480
Speaker 1: was never to help other people. It was it was

1215
00:58:38,520 --> 00:58:41,960
Speaker 1: a secret. Right, you understand everything my family thought I

1216
00:58:41,960 --> 00:58:48,240
Speaker 1: sold drugs, right, Like I always see people people think that, yo, everybody,

1217
00:58:48,320 --> 00:58:50,960
Speaker 1: these dudes be online selling information. This is how they

1218
00:58:51,000 --> 00:58:54,280
Speaker 1: make money. They ain't really doing it. Tell people fact

1219
00:58:54,400 --> 00:58:57,400
Speaker 1: check me. I have Bentley Truck before I ever help somebody,

1220
00:58:58,240 --> 00:59:02,240
Speaker 1: ever right, g Wagon, before ever own my house investment

1221
00:59:02,280 --> 00:59:07,040
Speaker 1: properties before I assisted because I had the game, but

1222
00:59:07,640 --> 00:59:10,560
Speaker 1: I wouldn't. You know, It's how we feel we know something.

1223
00:59:10,640 --> 00:59:13,280
Speaker 1: Sometimes we don't tell people. You got secrets and stuff

1224
00:59:13,280 --> 00:59:15,280
Speaker 1: that you know, be like yo, now I know how

1225
00:59:15,280 --> 00:59:18,120
Speaker 1: we get the podcast number one. We know, like yo,

1226
00:59:18,640 --> 00:59:20,960
Speaker 1: I'm not telling, right, You're not gonna come. I'm not

1227
00:59:21,000 --> 00:59:25,320
Speaker 1: gonna tell, So you have to go figure out yourself.

1228
00:59:26,440 --> 00:59:29,600
Speaker 1: Eric Thomas Eric Thomas. I was in Masters of the

1229
00:59:29,640 --> 00:59:34,480
Speaker 1: Game and Eric Thomas said that if you know something

1230
00:59:34,760 --> 00:59:37,600
Speaker 1: that can help another man change the trajectory of his

1231
00:59:37,680 --> 00:59:40,360
Speaker 1: family in their future, and you don't share that information,

1232
00:59:40,760 --> 00:59:46,480
Speaker 1: you selfish. And it sat on me for a while

1233
00:59:47,840 --> 00:59:52,720
Speaker 1: because I still was like, yeah sounds good, Yeah right.

1234
00:59:53,960 --> 00:59:56,600
Speaker 4: It sat on me for a while, but.

1235
00:59:58,520 --> 01:00:01,120
Speaker 1: It came to a point to where it was like, yo,

1236
01:00:02,640 --> 01:00:05,760
Speaker 1: is that what's the what's the impact that you don't

1237
01:00:05,800 --> 01:00:08,160
Speaker 1: really want to make now that you're making money. I

1238
01:00:08,200 --> 01:00:10,680
Speaker 1: have my daughter, and then I started really seeing like

1239
01:00:10,760 --> 01:00:12,800
Speaker 1: I was born. When I was born, my mom was homeless.

1240
01:00:12,800 --> 01:00:15,960
Speaker 1: We lived in a shelter from the gate. When I

1241
01:00:16,000 --> 01:00:19,080
Speaker 1: had my daughter, she came home to a house I own,

1242
01:00:19,200 --> 01:00:21,080
Speaker 1: and I think, and I look, and I go, there's

1243
01:00:21,160 --> 01:00:24,040
Speaker 1: so many people that need this. I'm gonna be wrong

1244
01:00:24,160 --> 01:00:28,920
Speaker 1: if I don't share, right, And so everything I created

1245
01:00:28,920 --> 01:00:31,200
Speaker 1: though was like for myself, So then I started sharing

1246
01:00:31,200 --> 01:00:34,240
Speaker 1: it with people. That's when the recession proof started. And

1247
01:00:34,280 --> 01:00:36,920
Speaker 1: that's when I created a community. But I didn't create

1248
01:00:37,000 --> 01:00:40,440
Speaker 1: like a program. I literally create a family. So everything

1249
01:00:40,520 --> 01:00:42,920
Speaker 1: that we need, I go out and we do things right.

1250
01:00:43,000 --> 01:00:45,760
Speaker 1: Like events that we had. When y'all came to the event,

1251
01:00:49,040 --> 01:00:51,720
Speaker 1: I fly on private jets. Guess what happened. My mentees

1252
01:00:51,760 --> 01:00:53,760
Speaker 1: fly on private jets. You're a party, we a family.

1253
01:00:54,000 --> 01:00:56,480
Speaker 1: We operate on the same level. So they flying in

1254
01:00:56,560 --> 01:00:59,320
Speaker 1: on private jets. We got all the exotic vehicles. They

1255
01:00:59,400 --> 01:01:02,560
Speaker 1: drive nice vehicles. They driving nice cars. The whole event

1256
01:01:02,720 --> 01:01:06,680
Speaker 1: was free. So what happens is is that not only

1257
01:01:06,680 --> 01:01:09,400
Speaker 1: are they learning being able to be financial literate, they

1258
01:01:09,480 --> 01:01:12,360
Speaker 1: learn how to run and scale businesses. So now teach

1259
01:01:12,400 --> 01:01:14,520
Speaker 1: you everything you need to know about credit. But then

1260
01:01:14,520 --> 01:01:17,600
Speaker 1: I'm creating leaders because it's in order for what I

1261
01:01:17,640 --> 01:01:20,320
Speaker 1: did for my community, how can I get I was like, Yo,

1262
01:01:20,360 --> 01:01:22,240
Speaker 1: I need at least ten to fifteen other people doing this.

1263
01:01:23,000 --> 01:01:26,200
Speaker 1: I never expected it to be hundreds. Yet thousands of

1264
01:01:26,280 --> 01:01:28,920
Speaker 1: people going, nah, I need to help my community. I

1265
01:01:28,960 --> 01:01:31,280
Speaker 1: need to help my community. And it's still people out

1266
01:01:31,320 --> 01:01:33,840
Speaker 1: there who don't know who I am or that I exist,

1267
01:01:34,880 --> 01:01:37,440
Speaker 1: but it's thousands of us helping our community. So when

1268
01:01:37,440 --> 01:01:40,320
Speaker 1: we get on these platforms, the growth point is that

1269
01:01:40,760 --> 01:01:43,640
Speaker 1: we need more leaders in our community. We need more

1270
01:01:43,640 --> 01:01:46,480
Speaker 1: people who are financial literate to take this back. Everybody's

1271
01:01:46,520 --> 01:01:48,520
Speaker 1: not going to have the tenacity and say I want

1272
01:01:48,520 --> 01:01:52,160
Speaker 1: to fish for myself, but for those who do, those

1273
01:01:52,160 --> 01:01:53,680
Speaker 1: are the people that we need to stand up in

1274
01:01:53,680 --> 01:01:55,760
Speaker 1: the community. That they need to take that back home

1275
01:01:56,160 --> 01:01:58,360
Speaker 1: and be that for their family. They need to be

1276
01:01:58,400 --> 01:02:00,600
Speaker 1: that for the people around them, source for them to

1277
01:02:00,640 --> 01:02:02,000
Speaker 1: come and get this information from.

1278
01:02:02,240 --> 01:02:05,280
Speaker 4: Because if they're watching this podcast or listen to this podcast, how.

1279
01:02:05,160 --> 01:02:08,120
Speaker 1: Many people they know who don't listen to it, who

1280
01:02:08,160 --> 01:02:11,080
Speaker 1: didn't catch this information. So that's my point is like

1281
01:02:11,120 --> 01:02:13,360
Speaker 1: when you look at recession proof, my whole goal is

1282
01:02:13,360 --> 01:02:15,560
Speaker 1: to create leaders in the community when it come to

1283
01:02:15,600 --> 01:02:18,720
Speaker 1: financial literacy, when it comes to actually business, when it

1284
01:02:18,760 --> 01:02:21,160
Speaker 1: comes to growing and scaling and just being all around leaders.

1285
01:02:22,520 --> 01:02:25,480
Speaker 1: Not only with financial literacy. But if you see we

1286
01:02:25,520 --> 01:02:29,520
Speaker 1: did the Takeoveray, remember we did the Kroger takeover shut

1287
01:02:29,520 --> 01:02:32,280
Speaker 1: it down, kind of went viral a little bit that

1288
01:02:32,520 --> 01:02:34,000
Speaker 1: I was a big that was big.

1289
01:02:34,720 --> 01:02:36,720
Speaker 3: Oh yeah, slue to that I forgot about that to

1290
01:02:36,760 --> 01:02:38,840
Speaker 3: that that was yeah, that was really dope. Everybody was

1291
01:02:38,920 --> 01:02:43,080
Speaker 3: not familiar. The guys went into Kroger in Atlanta, and

1292
01:02:43,120 --> 01:02:48,080
Speaker 3: I think they are twenty dollars forty thousand dollars for

1293
01:02:48,280 --> 01:02:51,560
Speaker 3: families for for Thanksgiving so they can you know, not

1294
01:02:51,720 --> 01:02:54,520
Speaker 3: have to worry about that bill and you know, buy groceries.

1295
01:02:54,560 --> 01:02:56,760
Speaker 1: So yeah, y'all did the free gas too, did the

1296
01:02:56,760 --> 01:02:58,960
Speaker 1: free gas. The crazy thing is we did the gas

1297
01:02:58,960 --> 01:03:02,400
Speaker 1: before for the Kroger. Before the Kroger, we almost went

1298
01:03:02,840 --> 01:03:06,160
Speaker 1: to do another gas station, but instead we was like, yo,

1299
01:03:06,400 --> 01:03:08,080
Speaker 1: we decided let's just.

1300
01:03:08,000 --> 01:03:09,800
Speaker 4: Go do the Kroger. Went the Kroger.

1301
01:03:09,800 --> 01:03:13,120
Speaker 1: We tried to do gift cards and realized that wasn't

1302
01:03:13,120 --> 01:03:16,400
Speaker 1: gonna work, and we just said open the lines up.

1303
01:03:16,760 --> 01:03:19,400
Speaker 1: Everybody just running through. That's why the receipts for so long.

1304
01:03:19,680 --> 01:03:21,919
Speaker 1: We just let the line run. Everybody run through running

1305
01:03:21,960 --> 01:03:25,720
Speaker 1: grocery store. It was two days before Thanksgiving. Everybody ran

1306
01:03:25,800 --> 01:03:28,160
Speaker 1: through and we took care of it. Me and all

1307
01:03:28,200 --> 01:03:30,360
Speaker 1: the guys, a whole bunch of entrepreneurs. We all got

1308
01:03:30,440 --> 01:03:33,080
Speaker 1: together and collectively we did it together. We did a

1309
01:03:33,120 --> 01:03:36,480
Speaker 1: collective amount of forty thousand. But my point was that

1310
01:03:37,080 --> 01:03:39,360
Speaker 1: as a leader in the community and the leader of

1311
01:03:39,400 --> 01:03:42,880
Speaker 1: like recession proof, my mentees turned around a few days ago.

1312
01:03:42,920 --> 01:03:46,800
Speaker 1: They before yesterday's shout out to Bees for heading that out.

1313
01:03:47,080 --> 01:03:47,800
Speaker 4: My guy went out.

1314
01:03:47,800 --> 01:03:51,000
Speaker 1: They went out collectively and they put their money together

1315
01:03:51,040 --> 01:03:54,120
Speaker 1: my mentees and went and shut down a whole Walmart

1316
01:03:54,680 --> 01:03:59,640
Speaker 1: for like a Falster Care kind of company, not Falter Care,

1317
01:03:59,680 --> 01:04:03,200
Speaker 1: but like a sheltered company that takes families in and

1318
01:04:03,240 --> 01:04:05,840
Speaker 1: helped them get rebuilded, and pretty much went and shut

1319
01:04:05,840 --> 01:04:07,640
Speaker 1: in about all the Walmart out. One of the mentees

1320
01:04:08,400 --> 01:04:10,440
Speaker 1: how the truck. He went and learned how to leverage

1321
01:04:10,440 --> 01:04:13,160
Speaker 1: his credit, got his own trucking company started. He literally

1322
01:04:13,160 --> 01:04:16,160
Speaker 1: brung his truck to Florida. The Mentees fly out, they

1323
01:04:16,200 --> 01:04:20,439
Speaker 1: all on Recession Proof shirts and the news cameras out there,

1324
01:04:20,560 --> 01:04:23,880
Speaker 1: they go shut Walmart down and do a giveback. Had

1325
01:04:23,920 --> 01:04:26,040
Speaker 1: nothing to do with me. Guess what the name was

1326
01:04:26,080 --> 01:04:27,120
Speaker 1: that represented them when they.

1327
01:04:27,080 --> 01:04:28,720
Speaker 4: Said who did it? Session proof?

1328
01:04:28,920 --> 01:04:31,320
Speaker 1: They said Recession Proof Network, And I'm like, Yo, this

1329
01:04:31,520 --> 01:04:34,960
Speaker 1: just shows the selflessness of the community that we built it.

1330
01:04:35,680 --> 01:04:38,280
Speaker 1: And that's why I was like, Yo, this is different.

1331
01:04:38,800 --> 01:04:39,760
Speaker 4: So it's really a fan.

1332
01:04:39,680 --> 01:04:42,040
Speaker 3: So in the Recession Proof you actually so you also

1333
01:04:42,120 --> 01:04:46,680
Speaker 3: teach people like different steps on like all of it.

1334
01:04:46,720 --> 01:04:49,120
Speaker 3: Because what I'm realizing, even myself I had to be

1335
01:04:49,240 --> 01:04:52,000
Speaker 3: educated on because it's like you said, a lot of people, everybody,

1336
01:04:52,000 --> 01:04:53,480
Speaker 3: a lot of people have courses and things of that

1337
01:04:53,600 --> 01:04:56,360
Speaker 3: nature and educational platforms and things, and it's like, what

1338
01:04:56,400 --> 01:04:59,800
Speaker 3: I'm realizing is that you can only really learn so

1339
01:04:59,880 --> 01:05:04,280
Speaker 3: much much from like YouTube, yeah, or like even like

1340
01:05:04,280 --> 01:05:06,360
Speaker 3: a podcast like our podcast I think is the best

1341
01:05:06,800 --> 01:05:10,400
Speaker 3: out period and you can dis plenty of information where

1342
01:05:10,400 --> 01:05:12,520
Speaker 3: you can just act on that just a loan. But

1343
01:05:12,640 --> 01:05:14,400
Speaker 3: then some people want to It's like, you know, some

1344
01:05:14,440 --> 01:05:17,440
Speaker 3: people want to go further with the education, So like

1345
01:05:17,520 --> 01:05:20,920
Speaker 3: what do you actually teach in that? Like what are

1346
01:05:20,920 --> 01:05:23,320
Speaker 3: some of the subjects that you actually teach in the

1347
01:05:23,640 --> 01:05:23,920
Speaker 3: in the.

1348
01:05:23,840 --> 01:05:25,280
Speaker 4: Community in the community.

1349
01:05:27,680 --> 01:05:31,040
Speaker 1: My main topics that I teach is how to start

1350
01:05:31,120 --> 01:05:33,000
Speaker 1: a credit pair of business, how to scale it, how

1351
01:05:33,040 --> 01:05:35,080
Speaker 1: to grow it, how to automate it so you don't

1352
01:05:35,120 --> 01:05:36,680
Speaker 1: have to be the one doing it. Everybody needs a

1353
01:05:36,680 --> 01:05:41,160
Speaker 1: solid financial foundation. Teach people how to be that person

1354
01:05:41,200 --> 01:05:43,920
Speaker 1: and everybody gets it. Everybody needs it, so now you

1355
01:05:43,960 --> 01:05:46,280
Speaker 1: can be that home base. I teach people how to

1356
01:05:46,320 --> 01:05:48,800
Speaker 1: run a tradeline business, so that way you know how

1357
01:05:48,840 --> 01:05:51,600
Speaker 1: to actually turn something that's in your wallet into cash, right,

1358
01:05:51,680 --> 01:05:54,480
Speaker 1: something you already have, how to turn that into cash flow.

1359
01:05:54,920 --> 01:05:57,480
Speaker 1: So literally, how to start and run and scale a

1360
01:05:57,520 --> 01:05:59,800
Speaker 1: tradeline business. I teach people how to start and help

1361
01:05:59,800 --> 01:06:02,280
Speaker 1: you will get funded, meaning you're going If people don't

1362
01:06:02,280 --> 01:06:03,800
Speaker 1: want to learn how to do it themselves, then well

1363
01:06:03,840 --> 01:06:06,880
Speaker 1: then you help them for ten percent, so now you

1364
01:06:06,920 --> 01:06:09,240
Speaker 1: have your own funding business. Then I teach you all

1365
01:06:09,320 --> 01:06:12,200
Speaker 1: the every mastery trick you can learn about credit cards,

1366
01:06:12,240 --> 01:06:15,320
Speaker 1: Which credit cards to do for running ads, which ones

1367
01:06:15,400 --> 01:06:18,640
Speaker 1: for free hotels and you name it, How to master

1368
01:06:18,680 --> 01:06:21,560
Speaker 1: your credit cards, how to travel for free, teach them

1369
01:06:21,600 --> 01:06:24,000
Speaker 1: about private jets. I teach them how to get luxury

1370
01:06:24,040 --> 01:06:26,520
Speaker 1: cars so you don't pay for them, right because The

1371
01:06:26,560 --> 01:06:28,040
Speaker 1: goal is like, even when I told you about the

1372
01:06:28,080 --> 01:06:30,520
Speaker 1: reward points earlier, I may have went on a sixty

1373
01:06:30,520 --> 01:06:35,640
Speaker 1: five hundred dollars shopping spree, but that's because I'm established.

1374
01:06:36,400 --> 01:06:39,480
Speaker 1: Before I'm established, you don't spend sixty five hundred on clothes.

1375
01:06:39,600 --> 01:06:41,520
Speaker 1: You spend sixty five hundred on bills. So you don't

1376
01:06:41,520 --> 01:06:43,640
Speaker 1: pay for your groceries, you don't pay for your utilities,

1377
01:06:43,640 --> 01:06:45,400
Speaker 1: you don't pay for your mortgage, you don't pay for

1378
01:06:45,440 --> 01:06:48,120
Speaker 1: your insurance, you don't pay for your Netflix. You use

1379
01:06:48,160 --> 01:06:50,480
Speaker 1: the reward points to make you have a zero overhead

1380
01:06:50,480 --> 01:06:53,040
Speaker 1: while your business grows. So these are all things that

1381
01:06:53,080 --> 01:06:56,760
Speaker 1: I teach. But then I realized, like you said, you

1382
01:06:56,800 --> 01:07:01,200
Speaker 1: can only I can only teach so much. When you

1383
01:07:01,240 --> 01:07:04,280
Speaker 1: say you got a family, you can't go and say, well,

1384
01:07:04,800 --> 01:07:07,160
Speaker 1: imagine a father saying, yo, my kids gonna only know

1385
01:07:07,200 --> 01:07:08,960
Speaker 1: what I know. I'm only gonna teach you what I know.

1386
01:07:09,040 --> 01:07:12,120
Speaker 1: And all I did was learn financial literacy. When I

1387
01:07:12,240 --> 01:07:15,680
Speaker 1: know that I got brothers out here like Alice, get

1388
01:07:15,760 --> 01:07:18,960
Speaker 1: energy who running, and got people making six figures in trucking,

1389
01:07:19,520 --> 01:07:21,240
Speaker 1: So I say, yo, I need you to come and

1390
01:07:21,280 --> 01:07:24,840
Speaker 1: train my people on trucking. I got people like Wall

1391
01:07:24,920 --> 01:07:28,160
Speaker 1: Street trapper who know stocks and killing it and start

1392
01:07:28,200 --> 01:07:29,560
Speaker 1: say yo, I need you to come and give them

1393
01:07:29,560 --> 01:07:33,320
Speaker 1: an introduction to stocks. I got people like Justin Owens

1394
01:07:33,320 --> 01:07:37,720
Speaker 1: with four rex. I got trusts. How to actually minimize

1395
01:07:37,760 --> 01:07:40,840
Speaker 1: taxes to where you can defer your taxes. And you know,

1396
01:07:41,000 --> 01:07:45,080
Speaker 1: I can close out a year doing millions and paid

1397
01:07:45,120 --> 01:07:48,640
Speaker 1: same thing Trump paid right. How do we protect our self?

1398
01:07:48,720 --> 01:07:51,360
Speaker 1: Asset protection? All of these things come in because these

1399
01:07:51,400 --> 01:07:54,120
Speaker 1: are things that we needed. Facebook ads, how do we

1400
01:07:54,200 --> 01:07:58,840
Speaker 1: run Facebook ads? How do you scale a business? How

1401
01:07:58,840 --> 01:08:01,560
Speaker 1: to post on social media? I bring people in to

1402
01:08:01,640 --> 01:08:05,360
Speaker 1: teach us everything that we need to know in today's society.

1403
01:08:06,880 --> 01:08:08,800
Speaker 1: And I gave him an e book to sell so

1404
01:08:08,800 --> 01:08:11,600
Speaker 1: that way they have a digital product. It's just in

1405
01:08:11,600 --> 01:08:14,200
Speaker 1: case you got nothing else your author. I also help

1406
01:08:14,280 --> 01:08:16,599
Speaker 1: you become an author. So now that you're an author,

1407
01:08:16,720 --> 01:08:19,720
Speaker 1: what happens is that if you got nothing else, you

1408
01:08:19,760 --> 01:08:22,120
Speaker 1: can go and repeat my content what I said on

1409
01:08:22,160 --> 01:08:22,640
Speaker 1: E Y L.

1410
01:08:22,840 --> 01:08:25,200
Speaker 4: You go put it out to people who didn't.

1411
01:08:25,000 --> 01:08:27,360
Speaker 1: See and you say, well, I got a d I

1412
01:08:27,560 --> 01:08:30,320
Speaker 1: Y credit ebook that him five hundred told me. He

1413
01:08:30,400 --> 01:08:32,400
Speaker 1: taught me how to set up click funnels. He told

1414
01:08:32,439 --> 01:08:34,400
Speaker 1: me how to run ads. I'm run ads on this video,

1415
01:08:34,520 --> 01:08:38,200
Speaker 1: sell this digital product, and I still I got another business.

1416
01:08:38,240 --> 01:08:39,200
Speaker 4: And when you go on the book to it, I

1417
01:08:39,200 --> 01:08:40,280
Speaker 4: don't forget the event space.

1418
01:08:40,680 --> 01:08:43,520
Speaker 1: Yeah yeah, oh yeah.

1419
01:08:43,600 --> 01:08:44,360
Speaker 4: I taught him from me.

1420
01:08:44,600 --> 01:08:48,400
Speaker 1: Look my brother, me and my David Neil shout out Neil.

1421
01:08:48,880 --> 01:08:51,080
Speaker 3: But that fate would have it because like when we

1422
01:08:51,200 --> 01:08:52,680
Speaker 3: you know, we take our time because it's like we

1423
01:08:52,720 --> 01:08:54,920
Speaker 3: gotta be responsible about who we bring on the platform,

1424
01:08:54,960 --> 01:08:56,920
Speaker 3: and you know, we kind of you know, try to

1425
01:08:56,920 --> 01:08:59,719
Speaker 3: see if we know anybody that so we was looking

1426
01:08:59,840 --> 01:09:01,640
Speaker 3: and and it just so happened that somebody that we

1427
01:09:01,680 --> 01:09:05,240
Speaker 3: grew up would actually purchased became a part of the community.

1428
01:09:05,240 --> 01:09:08,200
Speaker 3: And he said he actually made money. What do you make?

1429
01:09:08,880 --> 01:09:15,360
Speaker 3: I don't gotta say his name, but so it's in

1430
01:09:15,400 --> 01:09:16,240
Speaker 3: its first month.

1431
01:09:19,439 --> 01:09:20,439
Speaker 4: He's been thirty thousand.

1432
01:09:22,400 --> 01:09:24,760
Speaker 3: Yeah, for sure, he made thirty thousand. So I'm not

1433
01:09:24,760 --> 01:09:27,000
Speaker 3: saying that's gonna happen to every single person, but we

1434
01:09:27,080 --> 01:09:30,679
Speaker 3: personally know it and doing our due diligence, Like I said,

1435
01:09:30,680 --> 01:09:32,599
Speaker 3: it just so happened that we actually knew somebody that

1436
01:09:32,760 --> 01:09:35,599
Speaker 3: was from our neighborhood. That yeah, it worked out.

1437
01:09:35,680 --> 01:09:36,160
Speaker 4: That's heavy.

1438
01:09:36,680 --> 01:09:37,559
Speaker 3: You know, you never know.

1439
01:09:38,000 --> 01:09:42,559
Speaker 1: You know what's crazy is that thirty thousand person month.

1440
01:09:43,760 --> 01:09:46,639
Speaker 1: That's amazing and double salute. We're gonna talk about off camera.

1441
01:09:48,120 --> 01:09:51,160
Speaker 1: But that's the goal for twenty twenty one is that.

1442
01:09:51,240 --> 01:09:53,040
Speaker 1: My goal is that you know, I've helped make three

1443
01:09:53,080 --> 01:09:57,200
Speaker 1: people millionaires throughout my program. Now, I got three millionaires,

1444
01:09:57,280 --> 01:09:59,200
Speaker 1: and I got sixty people who've been able to walk

1445
01:09:59,200 --> 01:10:02,280
Speaker 1: away from their job. And this year the reason why

1446
01:10:02,479 --> 01:10:05,840
Speaker 1: I put everything now, like like why would you bring events,

1447
01:10:05,840 --> 01:10:07,360
Speaker 1: space and all these different why are you bringing all

1448
01:10:07,360 --> 01:10:09,920
Speaker 1: this together? I said, oh, listen, my goal is I

1449
01:10:09,920 --> 01:10:12,800
Speaker 1: don't want to make one hundred millionaires in twenty twenty one.

1450
01:10:13,280 --> 01:10:14,880
Speaker 1: So my goal is to be able to go out

1451
01:10:14,920 --> 01:10:17,519
Speaker 1: back into the community and twenty twenty one, I want

1452
01:10:17,560 --> 01:10:20,920
Speaker 1: to help create one hundred millionaires. With that kind of goal,

1453
01:10:20,920 --> 01:10:23,519
Speaker 1: we got one hundred millionaire challenge, I said, listen, people

1454
01:10:23,520 --> 01:10:25,960
Speaker 1: don't understand it. You're going to make one hundred millionaires.

1455
01:10:26,000 --> 01:10:29,200
Speaker 1: I say, Yo, that's a big number. Million dollars, A

1456
01:10:29,240 --> 01:10:30,960
Speaker 1: big number. I said, listen, I made a million dollars

1457
01:10:31,000 --> 01:10:33,120
Speaker 1: and thirty days. If they can perform at a tenth

1458
01:10:33,200 --> 01:10:36,720
Speaker 1: of me, they'll be a millionaire. All they need to

1459
01:10:36,720 --> 01:10:38,280
Speaker 1: do is perform at one tenth of what I do.

1460
01:10:38,640 --> 01:10:40,960
Speaker 1: And if they fail and lose and do twenty percent,

1461
01:10:41,120 --> 01:10:43,240
Speaker 1: they walk away three four hundred thousand a year. Hell,

1462
01:10:43,240 --> 01:10:45,400
Speaker 1: were still successful in our community is a lot better.

1463
01:10:45,880 --> 01:10:48,840
Speaker 3: That's a fact. So, and one of the things with EYL,

1464
01:10:49,640 --> 01:10:51,679
Speaker 3: I feel like online of education is in new college.

1465
01:10:51,800 --> 01:10:54,120
Speaker 3: Everybody thinks I'm anti college. I'm not anti college. If

1466
01:10:54,160 --> 01:10:55,519
Speaker 3: you want to go to I went to college for

1467
01:10:55,600 --> 01:10:58,200
Speaker 3: ye has a degree. So you know, fortunately I have

1468
01:10:58,200 --> 01:10:59,240
Speaker 3: to spend money for college.

1469
01:10:59,240 --> 01:11:01,360
Speaker 4: But yo, why do that? I did.

1470
01:11:01,560 --> 01:11:04,320
Speaker 3: I'm just saying so I did.

1471
01:11:04,439 --> 01:11:06,439
Speaker 4: I did. We'll talk about that after so.

1472
01:11:06,800 --> 01:11:08,960
Speaker 3: But yeah, one thing, you know, people come on, whether

1473
01:11:09,000 --> 01:11:15,839
Speaker 3: it's Alex, whether it's our brother Hif from Bendam, Oh, everybody.

1474
01:11:16,080 --> 01:11:19,080
Speaker 3: A lot of people, you know, entrepreneurs. They have different

1475
01:11:19,080 --> 01:11:20,840
Speaker 3: programs and different things. That nation. The only thing that

1476
01:11:20,840 --> 01:11:23,519
Speaker 3: we ever ask is that, you know, they just show

1477
01:11:23,600 --> 01:11:25,400
Speaker 3: us a little love and give us a discount for

1478
01:11:25,439 --> 01:11:28,120
Speaker 3: anybody that watches ey L. And of course, you know,

1479
01:11:28,200 --> 01:11:30,120
Speaker 3: like I said, if you invest in education, you invest

1480
01:11:30,160 --> 01:11:32,200
Speaker 3: in educations up to you. If not, you know, just

1481
01:11:32,280 --> 01:11:34,840
Speaker 3: learning from the podcast is going to change your life.

1482
01:11:35,600 --> 01:11:38,320
Speaker 3: But you know, we do. That's like a stickler, like

1483
01:11:38,360 --> 01:11:40,080
Speaker 3: if you want to come on like you definitely we

1484
01:11:40,200 --> 01:11:43,160
Speaker 3: encourage people to to do a discount, and everybody today

1485
01:11:43,200 --> 01:11:47,360
Speaker 3: Credit has always obliged that and Marcus has been no difference.

1486
01:11:47,479 --> 01:11:51,960
Speaker 3: So five hundred dollars off is what Marcus agreed. Uh,

1487
01:11:52,000 --> 01:11:55,000
Speaker 3: we are greatly, greatly appreciative of that. So it's five

1488
01:11:55,080 --> 01:11:59,120
Speaker 3: hundred dollars off of the program, which is actually the

1489
01:11:59,160 --> 01:12:02,200
Speaker 3: lowest price on the market right now. And he did

1490
01:12:02,200 --> 01:12:05,439
Speaker 3: something exclusively for us, set up a website r p

1491
01:12:06,080 --> 01:12:09,920
Speaker 3: x e y l dot com, so there's no code needed, nothing.

1492
01:12:10,640 --> 01:12:13,440
Speaker 3: You cannot get this price for the Recession Proof program

1493
01:12:13,680 --> 01:12:17,519
Speaker 3: anywhere else. It's the cheapest that it's at anywhere right now,

1494
01:12:17,560 --> 01:12:21,200
Speaker 3: five hundred dollars off, and you just click the link.

1495
01:12:21,600 --> 01:12:25,240
Speaker 3: We'll have it in this description of this YouTube video.

1496
01:12:25,560 --> 01:12:28,360
Speaker 3: We'll have the description if you're listening on iTunes, Spotify.

1497
01:12:28,520 --> 01:12:32,000
Speaker 3: Also have it on our website under the Alumni tab,

1498
01:12:32,400 --> 01:12:35,200
Speaker 3: or you can just go to the website directly r

1499
01:12:35,400 --> 01:12:38,840
Speaker 3: p x e y l dot com. Once again, that's

1500
01:12:38,920 --> 01:12:43,080
Speaker 3: five hundred dollars off of the Recession Proof program. And

1501
01:12:43,120 --> 01:12:46,000
Speaker 3: that's a special it's not even a discount or code.

1502
01:12:46,000 --> 01:12:48,640
Speaker 3: It's just a special situation that he did for E

1503
01:12:48,800 --> 01:12:52,599
Speaker 3: y L and we greatly appreciate that, brother. Thank you.

1504
01:12:53,000 --> 01:12:55,400
Speaker 3: So if you're interested in joining the Recession Proof family

1505
01:12:55,439 --> 01:12:59,280
Speaker 3: once again, the website is r p X e y

1506
01:12:59,400 --> 01:13:04,040
Speaker 3: L dot com. No code needed. It is a special

1507
01:13:04,080 --> 01:13:06,360
Speaker 3: website set up with a special price, which is five

1508
01:13:06,439 --> 01:13:09,920
Speaker 3: hundred dollars off and we are honored to have that

1509
01:13:10,000 --> 01:13:13,880
Speaker 3: as the lowest price that you have anywhere in the

1510
01:13:13,880 --> 01:13:15,760
Speaker 3: world right now. There's no other place that you can

1511
01:13:15,800 --> 01:13:18,599
Speaker 3: get it toward that price. Appreciate you for doing that.

1512
01:13:19,040 --> 01:13:19,360
Speaker 3: Thank you.

1513
01:13:19,920 --> 01:13:21,599
Speaker 4: Love for the community, Yeah, yeah.

1514
01:13:21,439 --> 01:13:24,960
Speaker 3: For sure. So what do you have on the horizon?

1515
01:13:25,720 --> 01:13:27,559
Speaker 3: What are you working on? What would you like to

1516
01:13:27,720 --> 01:13:31,080
Speaker 3: tell of people? How can they contact you? Any last

1517
01:13:31,280 --> 01:13:32,880
Speaker 3: good words that you want to give the people.

1518
01:13:33,680 --> 01:13:35,200
Speaker 1: One of the things that I'm well, now you know

1519
01:13:35,240 --> 01:13:38,200
Speaker 1: what I like. I like still educating. He brungs something

1520
01:13:38,240 --> 01:13:38,960
Speaker 1: up that I want to say.

1521
01:13:39,040 --> 01:13:39,760
Speaker 4: We ended on this.

1522
01:13:40,080 --> 01:13:42,960
Speaker 1: My name is him five hundred. I'm credit specialist. I

1523
01:13:43,000 --> 01:13:45,280
Speaker 1: teach people how to leverage credit turned to cash. He

1524
01:13:45,320 --> 01:13:47,040
Speaker 1: said he paid for college. A lot of times we

1525
01:13:47,080 --> 01:13:49,120
Speaker 1: pay for college and we don't have a benefit from it.

1526
01:13:49,280 --> 01:13:51,320
Speaker 1: We don't make money from it. So I tell people listening,

1527
01:13:51,320 --> 01:13:52,960
Speaker 1: you want to know one the benefits of having student

1528
01:13:53,000 --> 01:13:55,280
Speaker 1: loans if you keep them, if you do go to college,

1529
01:13:55,280 --> 01:13:57,760
Speaker 1: and if you're in college right now, if you keep

1530
01:13:57,800 --> 01:14:00,200
Speaker 1: your student loans in good shape, what happens is is

1531
01:14:00,240 --> 01:14:02,439
Speaker 1: your credit report needs to look a certain way. There's

1532
01:14:02,520 --> 01:14:04,280
Speaker 1: data points that need to be hit. You need to

1533
01:14:04,320 --> 01:14:07,080
Speaker 1: have at least ten plus positive accounts. You want to

1534
01:14:07,120 --> 01:14:09,280
Speaker 1: build the age of your credit report as well, so

1535
01:14:09,320 --> 01:14:11,120
Speaker 1: we're going to stay there. You want two to three well,

1536
01:14:11,240 --> 01:14:14,559
Speaker 1: you need two to three inquiries or below. Right, you

1537
01:14:14,560 --> 01:14:17,639
Speaker 1: want a utilization rate of under nine percent. Your utilization

1538
01:14:17,720 --> 01:14:20,360
Speaker 1: rate under nine Everybody tells you thirty percent. That's cool,

1539
01:14:20,640 --> 01:14:22,720
Speaker 1: it doesn't have a negative effect. But it's not that

1540
01:14:22,800 --> 01:14:25,200
Speaker 1: it's optimal point. It's that it's optimal point when it's

1541
01:14:25,240 --> 01:14:28,360
Speaker 1: below nine percent. Between two and nine percent, you also

1542
01:14:28,479 --> 01:14:31,680
Speaker 1: want to have one hundred percent payment history. But the

1543
01:14:31,840 --> 01:14:33,639
Speaker 1: key point is that you want to have ten plus

1544
01:14:33,720 --> 01:14:36,080
Speaker 1: positive accounts, and you want to build the age of

1545
01:14:36,120 --> 01:14:38,280
Speaker 1: at least four to five years average age and your

1546
01:14:38,280 --> 01:14:41,839
Speaker 1: credit report. Nobody gets a student loan that was yesterday.

1547
01:14:41,880 --> 01:14:44,519
Speaker 1: They got it yesterday, right. Everybody has student loans that

1548
01:14:44,560 --> 01:14:47,000
Speaker 1: are old. One thing about student loans also is that

1549
01:14:47,400 --> 01:14:50,760
Speaker 1: there's never just one, So you have multiple student loans. Well,

1550
01:14:50,760 --> 01:14:52,559
Speaker 1: when you come to hit those data points, guess what,

1551
01:14:52,760 --> 01:14:54,479
Speaker 1: you may not even use that degree. But if you

1552
01:14:54,520 --> 01:14:56,960
Speaker 1: get those student loans in the right shape and you

1553
01:14:57,080 --> 01:14:59,599
Speaker 1: keep them in deferment where you have good payment, history

1554
01:15:00,080 --> 01:15:01,920
Speaker 1: helps you with the total number of counsel and your

1555
01:15:01,920 --> 01:15:04,160
Speaker 1: credit report, and it helps you with the age of

1556
01:15:04,200 --> 01:15:06,320
Speaker 1: your credit report. So then when you add a few

1557
01:15:06,360 --> 01:15:09,120
Speaker 1: more tradelines, different kind of tradelines, not just aus. When

1558
01:15:09,120 --> 01:15:11,839
Speaker 1: you add a few more different tradelines and bank products

1559
01:15:11,840 --> 01:15:13,840
Speaker 1: to your report, it's easier for you to get funding.

1560
01:15:14,040 --> 01:15:16,040
Speaker 1: So don't automatically think that, hey, I need to get

1561
01:15:16,040 --> 01:15:18,200
Speaker 1: my credit together, I need to go and clean these

1562
01:15:18,240 --> 01:15:21,320
Speaker 1: student loans off. Student loans have more positive effect than

1563
01:15:21,320 --> 01:15:23,360
Speaker 1: you believe when it comes to go and acquiring funding

1564
01:15:24,000 --> 01:15:26,519
Speaker 1: and getting credit cards and things like that. I here

1565
01:15:26,560 --> 01:15:29,799
Speaker 1: five hundred, I'm the leader owner of Recession prof Financial Literacy.

1566
01:15:30,000 --> 01:15:34,200
Speaker 4: And that's it, yo, man. You know what he finished

1567
01:15:34,200 --> 01:15:35,600
Speaker 4: off like the champion is. You know, I want to

1568
01:15:35,600 --> 01:15:37,200
Speaker 4: ask you something that I've never heard you talked about,

1569
01:15:37,680 --> 01:15:40,160
Speaker 4: and it's like the backbone of your business. I want

1570
01:15:40,200 --> 01:15:43,400
Speaker 4: to talk about her five hundred and her role in

1571
01:15:43,439 --> 01:15:46,960
Speaker 4: the business, and that that balance between I got to

1572
01:15:47,160 --> 01:15:49,280
Speaker 4: man because you know a married man as a married man,

1573
01:15:49,320 --> 01:15:52,280
Speaker 4: and I know it's not easy to balance family life

1574
01:15:52,280 --> 01:15:54,200
Speaker 4: and work life. And I know it's not easy when

1575
01:15:55,000 --> 01:15:56,640
Speaker 4: you know you've got a lot of things pulling you

1576
01:15:56,640 --> 01:15:59,720
Speaker 4: in different ways, but you know you're balancing it pretty well.

1577
01:16:00,560 --> 01:16:02,280
Speaker 4: You talked about her role. Yeah, so.

1578
01:16:04,200 --> 01:16:10,880
Speaker 1: That's the road, backbone, partner, rib punching bag, everything. When

1579
01:16:10,920 --> 01:16:12,519
Speaker 1: I got a bad day, that's the person, you know,

1580
01:16:12,560 --> 01:16:14,320
Speaker 1: that's the only person that I can talk about it with.

1581
01:16:15,560 --> 01:16:18,679
Speaker 1: Not only that, raising my kids, raising their family, raising

1582
01:16:18,720 --> 01:16:21,920
Speaker 1: me from the gate. When we started this company. We

1583
01:16:21,960 --> 01:16:26,360
Speaker 1: started this together, one hundred percent, not boom. We started

1584
01:16:26,400 --> 01:16:29,920
Speaker 1: the credit repair company together. So she knows everything inside now,

1585
01:16:30,200 --> 01:16:33,040
Speaker 1: but she's been more so behind the scenes. See I

1586
01:16:33,160 --> 01:16:34,960
Speaker 1: was more so. I'm on social media.

1587
01:16:34,960 --> 01:16:37,839
Speaker 4: I talk. She don't care. She a sociable person like real.

1588
01:16:37,680 --> 01:16:39,479
Speaker 1: Life, like I'm going out all my friends, I'm on

1589
01:16:39,520 --> 01:16:43,320
Speaker 1: social media, like nah, I'm posting content. First viral video

1590
01:16:43,400 --> 01:16:47,800
Speaker 1: we argue probably ten minutes before to get it right,

1591
01:16:47,880 --> 01:16:52,519
Speaker 1: like hold the light right there, chilled the camera, you

1592
01:16:52,560 --> 01:16:54,479
Speaker 1: got the wrong angle. Look how you're making me look

1593
01:16:54,560 --> 01:16:58,800
Speaker 1: I'm looking bad, Nah, argue Right, everything that we went through,

1594
01:16:58,800 --> 01:17:02,920
Speaker 1: we built this together. And so now one of the

1595
01:17:02,920 --> 01:17:07,160
Speaker 1: dope things is that as I built, we've been building

1596
01:17:07,160 --> 01:17:10,920
Speaker 1: the business infrastructure. Like she's bringing in my HR people.

1597
01:17:11,200 --> 01:17:13,160
Speaker 1: She's the one who goes out and make sure, like

1598
01:17:13,200 --> 01:17:16,040
Speaker 1: the accountants and everything is integrated.

1599
01:17:16,120 --> 01:17:16,280
Speaker 4: Right.

1600
01:17:16,360 --> 01:17:20,680
Speaker 1: She does all my integrations. And now we got it

1601
01:17:20,720 --> 01:17:23,480
Speaker 1: to where we're going to be kind of on autopilot

1602
01:17:23,520 --> 01:17:26,439
Speaker 1: and more active in the community. I actually brung her

1603
01:17:26,479 --> 01:17:30,000
Speaker 1: in and said, well, listen, it's a community of women

1604
01:17:31,240 --> 01:17:34,280
Speaker 1: that search financial literacy that's in this family, a lot

1605
01:17:34,320 --> 01:17:36,639
Speaker 1: of powerful women. But I haven't been able to edify

1606
01:17:36,760 --> 01:17:39,240
Speaker 1: my women in the community. And I as a man,

1607
01:17:39,280 --> 01:17:41,720
Speaker 1: could never edify the women and be like, Yo, let

1608
01:17:41,720 --> 01:17:43,280
Speaker 1: me get a group for y'all, and I'm gonna set

1609
01:17:43,360 --> 01:17:46,080
Speaker 1: things up for you. So now we have a sector

1610
01:17:46,240 --> 01:17:49,600
Speaker 1: for anybody who's in the Recession Proof family. Another just

1611
01:17:49,840 --> 01:17:52,760
Speaker 1: added bonus is the Women of Recession Proof. So now

1612
01:17:52,760 --> 01:17:56,479
Speaker 1: she's gonna run Women of Recession Proof to where they'll

1613
01:17:56,479 --> 01:17:59,320
Speaker 1: do women trips, they'll have women come and speak to them.

1614
01:18:00,080 --> 01:18:04,520
Speaker 1: Women accountability groups just for the women, just because males

1615
01:18:04,840 --> 01:18:07,880
Speaker 1: having more natural dominance. It's more males than it is women,

1616
01:18:08,200 --> 01:18:12,360
Speaker 1: but it's a lot of women in there, like that's bosses.

1617
01:18:12,479 --> 01:18:15,559
Speaker 4: Snoop, shouts to Snoop, shots of Snoop.

1618
01:18:17,360 --> 01:18:20,160
Speaker 1: It's a lot of powerful house women in there. And

1619
01:18:20,200 --> 01:18:23,479
Speaker 1: I'm going, Okay, we're gonna set this group up of

1620
01:18:24,439 --> 01:18:26,640
Speaker 1: the women of recession proof and shout out to her

1621
01:18:26,680 --> 01:18:28,720
Speaker 1: five hundred that's one. That's her secord that she's gonna

1622
01:18:28,720 --> 01:18:30,880
Speaker 1: be able to run and just pour back the things

1623
01:18:30,880 --> 01:18:33,000
Speaker 1: that she's been able to put into me and help

1624
01:18:33,040 --> 01:18:34,599
Speaker 1: be that for the other women in the group.

1625
01:18:34,800 --> 01:18:36,559
Speaker 3: One thing I wanted to ask you too, if you down,

1626
01:18:37,280 --> 01:18:39,800
Speaker 3: and congratulations too. I know you get married, appreciate it,

1627
01:18:39,800 --> 01:18:43,920
Speaker 3: So congratulations on that I asked. I talked to Alex

1628
01:18:43,960 --> 01:18:46,519
Speaker 3: about this. He said that he was down. So I'll

1629
01:18:46,520 --> 01:18:48,200
Speaker 3: put you on the spot to see if you're interested.

1630
01:18:48,400 --> 01:18:50,080
Speaker 3: I know. But you guys did a great thing in

1631
01:18:50,080 --> 01:18:52,760
Speaker 3: Atlanta and we had we had a special event that

1632
01:18:52,840 --> 01:18:55,160
Speaker 3: we did. Shout out the trap he was in town.

1633
01:18:55,160 --> 01:18:56,920
Speaker 3: Shout out to m the mortgage got shot you why

1634
01:18:56,920 --> 01:19:00,280
Speaker 3: that joined us. We was up Chowneldkament and with four

1635
01:19:00,360 --> 01:19:04,599
Speaker 3: hundred families got turkeys gift cards, Disneyland, Trip TV shout

1636
01:19:04,600 --> 01:19:06,080
Speaker 3: out to my man Kim from Thank Me. He said

1637
01:19:06,240 --> 01:19:08,639
Speaker 3: he never seen anything like that since the government cheese days.

1638
01:19:08,640 --> 01:19:12,200
Speaker 3: Like the line the line was literally like five blocks down.

1639
01:19:12,640 --> 01:19:14,519
Speaker 3: So I say that to say, you know, obviously it's

1640
01:19:14,560 --> 01:19:16,639
Speaker 3: a lot of people in need these days, all across

1641
01:19:16,640 --> 01:19:19,559
Speaker 3: the country. So maybe when COVID clears up a little bit,

1642
01:19:19,600 --> 01:19:21,960
Speaker 3: we can play something real big, a give back home

1643
01:19:22,000 --> 01:19:23,760
Speaker 3: and away. We can come to Atlanta, y'all can come

1644
01:19:23,760 --> 01:19:26,280
Speaker 3: to New York. Yeah, if you're interested.

1645
01:19:26,000 --> 01:19:27,559
Speaker 4: Now, one hundred percent, I'm in. You want to know

1646
01:19:27,600 --> 01:19:30,200
Speaker 4: what's so? What's what's crazy? Is that.

1647
01:19:31,600 --> 01:19:33,599
Speaker 1: Word to my mother?

1648
01:19:37,479 --> 01:19:37,639
Speaker 3: Yeah?

1649
01:19:37,720 --> 01:19:41,840
Speaker 1: Right now, listen right our hands down. We did the

1650
01:19:41,880 --> 01:19:45,720
Speaker 1: gas station giveaway. We did the gas station giveaway. Y'all

1651
01:19:45,720 --> 01:19:48,400
Speaker 1: announce that y'all was doing the dyking thing. I'm laying

1652
01:19:48,400 --> 01:19:50,559
Speaker 1: in in bed with my wife. I called Neo and

1653
01:19:50,600 --> 01:19:55,080
Speaker 1: I said, Yo, Neil, let's go to New York. I said, Yo,

1654
01:19:55,800 --> 01:19:58,280
Speaker 1: e y l trapper. They got a thing they're doing

1655
01:19:58,320 --> 01:20:01,559
Speaker 1: with dyking tomorrow. Let's go to New York. Alex had

1656
01:20:01,560 --> 01:20:06,360
Speaker 1: to close on his house and I go. Alex said

1657
01:20:06,400 --> 01:20:08,320
Speaker 1: he couldn't go. He had to do something he couldn't

1658
01:20:08,320 --> 01:20:11,120
Speaker 1: take off. Neil had to go and get his daughter

1659
01:20:12,160 --> 01:20:14,200
Speaker 1: literally was coming. I was like, yo, let's jump on

1660
01:20:14,240 --> 01:20:18,400
Speaker 1: a flight and come as well. And we was gonna

1661
01:20:18,439 --> 01:20:20,320
Speaker 1: pop out here. I swear it was gonna pop out.

1662
01:20:21,200 --> 01:20:22,960
Speaker 1: My thing is like, look, I gotta be involved in

1663
01:20:22,960 --> 01:20:25,960
Speaker 1: the community every way. So I'm with that one hundred percent.

1664
01:20:26,240 --> 01:20:28,200
Speaker 4: And after we did it, shout out to Brandon, I

1665
01:20:28,400 --> 01:20:30,720
Speaker 4: use with him mother night. Yeah, I'm like, yo, bro,

1666
01:20:30,760 --> 01:20:32,160
Speaker 4: we gotta do it. We gotta do something big for

1667
01:20:32,240 --> 01:20:32,559
Speaker 4: New York.

1668
01:20:32,640 --> 01:20:36,679
Speaker 3: So yeah, good good acts always inspire other good acts,

1669
01:20:36,680 --> 01:20:39,920
Speaker 3: and it's like competitive competition to do good. And I

1670
01:20:39,960 --> 01:20:43,479
Speaker 3: think as entrepreneurs it's like, you know, we we we can,

1671
01:20:43,720 --> 01:20:46,840
Speaker 3: you know, show nice things, and that's great. We got

1672
01:20:46,840 --> 01:20:49,160
Speaker 3: to encourage people that way. But I think we also

1673
01:20:49,200 --> 01:20:51,760
Speaker 3: got to encourage people, you know, whatever whatever it is,

1674
01:20:51,760 --> 01:20:53,880
Speaker 3: because it might be five dollars, that's something, it might

1675
01:20:53,920 --> 01:20:56,240
Speaker 3: be a smile. You never know how you can, but

1676
01:20:56,439 --> 01:20:58,960
Speaker 3: you do can affect somebody else to do something good.

1677
01:20:59,000 --> 01:21:00,599
Speaker 3: Like you know what I'm saying, Like you might give

1678
01:21:00,640 --> 01:21:02,560
Speaker 3: away forty thousand dollars. Somebody might not be in a

1679
01:21:02,560 --> 01:21:03,880
Speaker 3: position to do that, but they might be in a

1680
01:21:03,880 --> 01:21:06,680
Speaker 3: position to just help a lady across the street. You

1681
01:21:06,680 --> 01:21:10,080
Speaker 3: know what I'm saying, Just give a kid two dollars

1682
01:21:10,439 --> 01:21:12,160
Speaker 3: and not even say, yo, keep the candy. I don't

1683
01:21:12,160 --> 01:21:13,720
Speaker 3: even want the candy. Just take two dollars, like you

1684
01:21:13,720 --> 01:21:15,559
Speaker 3: know what I'm saying. So we need more of that

1685
01:21:15,560 --> 01:21:17,880
Speaker 3: because we're that's all we really have is each other.

1686
01:21:18,080 --> 01:21:18,280
Speaker 4: You know.

1687
01:21:18,840 --> 01:21:22,280
Speaker 1: And we got an amazing unit and it's just you

1688
01:21:22,360 --> 01:21:25,080
Speaker 1: just brung up, Brandon. And it's crazy being in New

1689
01:21:25,160 --> 01:21:27,320
Speaker 1: York seeing all the love. But it was another thing

1690
01:21:27,400 --> 01:21:32,960
Speaker 1: that I wanted from New York, right, being here seeing love.

1691
01:21:33,000 --> 01:21:35,559
Speaker 1: I rock with New York. Y'all got something here that's

1692
01:21:35,600 --> 01:21:40,720
Speaker 1: different from everywhere else, right, and that's that's whole and

1693
01:21:40,880 --> 01:21:44,400
Speaker 1: rock Nation. One of my goals was to get signed

1694
01:21:44,520 --> 01:21:46,640
Speaker 1: as a management deal, to get met rock Nation to

1695
01:21:46,640 --> 01:21:49,760
Speaker 1: actually manage my company, to help that take it to

1696
01:21:49,800 --> 01:21:50,519
Speaker 1: the next level.

1697
01:21:51,280 --> 01:21:53,760
Speaker 4: And so that's like being in New York too, feeling it.

1698
01:21:53,760 --> 01:21:55,479
Speaker 1: I'm like, well, you just brung it up like so

1699
01:21:55,560 --> 01:21:58,479
Speaker 1: many people here, but we don't think about who manages

1700
01:21:59,120 --> 01:22:04,080
Speaker 1: the entrepreneurs and gives that outlet. Yeah, nobody, no a

1701
01:22:04,240 --> 01:22:08,920
Speaker 1: list company or celebrities really have edified the education in

1702
01:22:08,960 --> 01:22:12,559
Speaker 1: the black community yet and it's it's crazy. Not only

1703
01:22:12,640 --> 01:22:15,720
Speaker 1: is it powerful and impactful, we see it, but then

1704
01:22:15,920 --> 01:22:18,479
Speaker 1: the money that's circulating through the community is crazy.

1705
01:22:19,520 --> 01:22:20,479
Speaker 4: So now that's one of the things.

1706
01:22:21,080 --> 01:22:24,280
Speaker 3: It just so happens that we got. We got the

1707
01:22:24,280 --> 01:22:27,400
Speaker 3: American Gangster album, we got the black album. You know,

1708
01:22:29,479 --> 01:22:32,599
Speaker 3: rock Nation, man, you got a lot of friends, actually,

1709
01:22:32,960 --> 01:22:35,760
Speaker 3: people over the shout out to everybody in Rock Nation

1710
01:22:36,040 --> 01:22:39,400
Speaker 3: for sure, good people over there, people that we know

1711
01:22:39,479 --> 01:22:42,960
Speaker 3: for sure, good people. All right, So how can the

1712
01:22:43,000 --> 01:22:46,200
Speaker 3: people contact you? How's your what's your social media handles?

1713
01:22:46,240 --> 01:22:47,040
Speaker 3: What's your website?

1714
01:22:47,439 --> 01:22:50,479
Speaker 1: All that information at him five hundred on Instagram at

1715
01:22:50,560 --> 01:22:54,280
Speaker 1: him five hundred, on YouTube at him five hundred everywhere

1716
01:22:55,040 --> 01:22:58,480
Speaker 1: on Twitter as well. Recession Proof Extreme is the website

1717
01:22:59,000 --> 01:23:01,680
Speaker 1: to just check out the team that I offer my

1718
01:23:01,800 --> 01:23:04,559
Speaker 1: program wise is Recession Proof Extreme. Also, you can visit

1719
01:23:04,560 --> 01:23:06,960
Speaker 1: me on Instagram at him five hundred, click the link

1720
01:23:07,000 --> 01:23:09,160
Speaker 1: in my bio, or if you want more content and

1721
01:23:09,280 --> 01:23:11,800
Speaker 1: just learn more about financial literacy, take a take a

1722
01:23:11,840 --> 01:23:14,280
Speaker 1: scroll through my page. I got a ton of videos

1723
01:23:14,280 --> 01:23:17,200
Speaker 1: where I just teach and just get information away for free. Yeah.

1724
01:23:17,320 --> 01:23:21,559
Speaker 3: Shout out to Sherry Bryant, President of rock Nation, who

1725
01:23:21,640 --> 01:23:25,080
Speaker 3: is a loyal supporter of Earn Your Leisure, a good

1726
01:23:25,080 --> 01:23:25,800
Speaker 3: friend of ours.

1727
01:23:26,360 --> 01:23:28,519
Speaker 4: I just we got to see one for her.

1728
01:23:28,840 --> 01:23:34,639
Speaker 3: Yeah, whatever you're ready. I sent my congratulations to snow Alectro.

1729
01:23:34,680 --> 01:23:39,479
Speaker 3: Hopefully that got sent to her. Shout out to Sherry.

1730
01:23:39,479 --> 01:23:41,679
Speaker 3: Shout out to Sherry for sure Troy Housekeeping items.

1731
01:23:41,720 --> 01:23:43,880
Speaker 4: Yeah, shout out everybody on Patreon dot com. Y'all know

1732
01:23:43,920 --> 01:23:45,240
Speaker 4: that's our proud to pay program.

1733
01:23:45,280 --> 01:23:45,479
Speaker 1: Man.

1734
01:23:45,600 --> 01:23:47,760
Speaker 4: It is uh, it is grown, man, It's so it's

1735
01:23:47,760 --> 01:23:50,080
Speaker 4: so interesting to watch how that has grown over the time.

1736
01:23:50,520 --> 01:23:52,400
Speaker 4: And I shout out to everybody that is on ey

1737
01:23:52,520 --> 01:23:55,280
Speaker 4: l University. You know, the Patreon Tier five members, you

1738
01:23:55,320 --> 01:23:57,880
Speaker 4: have access to the number one online school for education

1739
01:23:57,960 --> 01:24:00,960
Speaker 4: that is eyl University. And shout out everybody that's a

1740
01:24:01,000 --> 01:24:01,559
Speaker 4: point in the merch.

1741
01:24:01,640 --> 01:24:01,840
Speaker 3: Man.

1742
01:24:02,360 --> 01:24:03,360
Speaker 4: It is going really well.

1743
01:24:03,400 --> 01:24:03,519
Speaker 1: Man.

1744
01:24:03,560 --> 01:24:05,760
Speaker 4: So I'm happy to see everybody out there. I need

1745
01:24:05,760 --> 01:24:08,160
Speaker 4: some people to start tagging when they win the merged though.

1746
01:24:08,160 --> 01:24:08,280
Speaker 1: Man.

1747
01:24:08,280 --> 01:24:09,840
Speaker 4: I like seeing that. Man. I love to see people

1748
01:24:09,840 --> 01:24:12,519
Speaker 4: working out in it. I love to seeing people having

1749
01:24:12,560 --> 01:24:14,559
Speaker 4: it all while they're watching market Mondays or they watching

1750
01:24:14,600 --> 01:24:16,320
Speaker 4: the podcast. So keep doing more of that, man, I

1751
01:24:16,400 --> 01:24:16,920
Speaker 4: love to see it.

1752
01:24:17,320 --> 01:24:20,559
Speaker 3: Yeah, for sure. Thank you guys for rocking with us.

1753
01:24:20,600 --> 01:24:23,639
Speaker 3: We appreciate you. We'll see you next week. Peace.

1754
01:24:23,760 --> 01:24:29,800
Speaker 1: Peace, my graduates from my school being forced back.

1755
01:24:29,920 --> 01:24:34,559
Speaker 3: Drop bag Drop, Mike, drop drop.

1756
01:24:45,040 --> 01:24:48,960
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