Speaker 1: Hi.
Speaker 2: I'm Sherry Harris, owner of Life Source Water. As a
Speaker 2: new grandmother in lifelong Californian, I care about what's in
Speaker 2: the water my family uses every day. For over forty years,
Speaker 2: our whole house water system has protected Bay Area families
Speaker 2: with filtered water from every tap. Now we are offering
Speaker 2: a double dip in savings free basic installation plus an
Speaker 2: extra two hundred and fifty dollars off. That's up to
Speaker 2: twelve hundred dollars in savings. Call our factory at one
Speaker 2: eight hundred Water ninety nine or visit Life sourcewater dot com.
Speaker 2: Hurry offer in September thirty.
Speaker 3: Warranty limitations applying.
Speaker 1: My graduates from my school being forts Bag, drop Bag Drop,
Speaker 1: Mike drot Bag, drop bag drop.
Speaker 3: All right, guys, welcome back. This is an extremely highly
Speaker 3: anticipated episode. Before we start, we gotta let you know.
Speaker 3: So you know, we got a lot a lot of
Speaker 3: requests to extend the sale for Eyle University and it
Speaker 3: was supposed to get shut down on January one, but
Speaker 3: as you know, Ayle University, or as you might not know,
Speaker 3: it's actually ending as its current form and graduate school
Speaker 3: will begin. So we was planning on launching and graduate school.
Speaker 3: January first ran to some technical difficulties, had to make
Speaker 3: sure everything was right with the website and all that,
Speaker 3: so we pushed it back a week. So you guys
Speaker 3: still have seven days to join at the current price.
Speaker 3: The price made double may, tripping, may quadruple. We have
Speaker 3: to know, but it's going to be completely revamped. It's
Speaker 3: gonna be a different situation. But ey University includes over
Speaker 3: one hundred past webinars, weekly webinars, access to our movie club,
Speaker 3: access to our book club, access to our Facebook group,
Speaker 3: bi weekly vial estate calls with MG the mortgage guy,
Speaker 3: and once a month financial planning calls with me. All
Speaker 3: of that is included in the Eyo University membership. So
Speaker 3: if you're interested, you can or to Eyo university dot
Speaker 3: com right now and into promo code e y l
Speaker 3: at checkout for forty percent off. You got five days. Yeah,
Speaker 3: So you know, this is one of these situations where
Speaker 3: it is the momentum has built pretty substantially over the
Speaker 3: last year, and him five hundred has really grown an
Speaker 3: online community, and he's done it diligently, and he's done
Speaker 3: it in real life. We actually got a chance to
Speaker 3: see a lot of his work. Want to see his conference,
Speaker 3: and it's very impressive what he's put together. So we've
Speaker 3: talked about credit before and shout out to everybody that's
Speaker 3: been on our platform. Ey University and EYL has talked
Speaker 3: about credit and the credit dude. And but for the
Speaker 3: most part, the credit that we've talked about is like
Speaker 3: on the along the lines of like how to repair
Speaker 3: your credit or how to establish you know, basic level
Speaker 3: established credit, which is important. We need that levels of
Speaker 3: understand but you know, it's like there's different sectors of
Speaker 3: credit and just different sectors of financial literacy. So him
Speaker 3: five hundred, he focuses on a variety of different things.
Speaker 3: But I guess what he's been known for the most
Speaker 3: is how to turn credit into cash. And it's a
Speaker 3: lot of cool stuff as far as like working with
Speaker 3: credit and understanding how to utilize cards, understanding how to
Speaker 3: utilize cards, understanding all kinds.
Speaker 4: Of we don't seen it all in real life, yea, all.
Speaker 3: Kinds of stuff, and yeah, it happened in real life.
Speaker 3: Like I said, you know, we shout out to the
Speaker 3: whole crew in Atlanta. I don't want to to get anybody,
Speaker 3: but you know, Alex him five hundred Gooch Maddy j
Speaker 3: just two weeks out, two weeks out, Yeah, everybody her
Speaker 3: five hundred. Yeah, most that's a fact. So we we
Speaker 3: go down there. He realize that they got a whole
Speaker 3: movement of entrepreneurs out there that's doing that thing. And
Speaker 3: the young they're black, they're all networking with each other.
Speaker 3: And him five hundred is the he's one of the
Speaker 3: members of the crew. And everything that he he raps about,
Speaker 3: he talks about real life.
Speaker 4: They said, he's a positive pressure guy. Yo, you got
Speaker 4: that car, you need to get this call.
Speaker 3: It's like these rappers, like some rappers actually live it.
Speaker 3: Some rappers just rapping about it. But everything he talks
Speaker 3: about he actually lives and we saw it firsthand. So
Speaker 3: this is an exciting conversation. I'm excited to have it.
Speaker 3: We're going to talk about a wide variety of hacks,
Speaker 3: financial literacy, credit stuff that you can't google. This information
Speaker 3: you can't google. That's what you got.
Speaker 4: This is in a safe you got you can't crack
Speaker 4: the safe on this.
Speaker 3: I like that. So Marcus Barney aka him five hundred,
Speaker 3: Welcome to EYL. Thank you for joining us.
Speaker 4: And I appreciate you guys having me. I appreciate it.
Speaker 4: I'm excited.
Speaker 3: Yeah, man, yeah, yeah, So let's let's jump right into it.
Speaker 3: So you have a whole community and you teach thousands
Speaker 3: of people. But it didn't always start like that, right,
Speaker 3: So from my understanding, you started as a manager in
Speaker 3: the cell phone store.
Speaker 1: Yeah, so I getting started, one of the things that
Speaker 1: I noticed was, I mean, early on what I started
Speaker 1: was that was actually doing self phone repair. But I
Speaker 1: started with real estate at eighteen in California. But that
Speaker 1: was two thousand and six, market crash two thousand and seven,
Speaker 1: two thousand and eight, I moved to Atlanta. So when
Speaker 1: I moved to Atlanta, I found myself doing cell phone
Speaker 1: repairing cell phones, like doing run around the city fixing
Speaker 1: everybody's cell phones, and ended up landing me in a
Speaker 1: cell phone repair shop, and I partnered with the owner
Speaker 1: and then I started to run a cell phone shop
Speaker 1: for him on a cell phone repair shot.
Speaker 3: Okay, so how did that morph into because I know
Speaker 3: there was some trials and tribulations up to them, How
Speaker 3: did that turn into what you're doing now?
Speaker 1: Honestly, that's one of the things that I don't even
Speaker 1: think a lot of people don't know, share a little
Speaker 1: bit of insights that I ran into a time at
Speaker 1: that age, between the age of eighteen and twenty five.
Speaker 1: I always tell people it's like the most trying time
Speaker 1: for a young man. And I let money get ahead
Speaker 1: of me right I started making I probably was making
Speaker 1: seven to ten thousand dollars a month at the time,
Speaker 1: had maybe thirty forty thousand dollars in savings. And so
Speaker 1: as it started to grow, I started to become addicted
Speaker 1: to money, you know. And as money starts to play
Speaker 1: a part, it plays, it agreed comes in the play.
Speaker 1: And what happened was is that the owner Sprint, came
Speaker 1: and told us, basically, if you don't have three locations,
Speaker 1: you have to shut your repair center down. What a
Speaker 1: repair center was making us about twenty plus thousand a
Speaker 1: month with me running it, I was bringing I was
Speaker 1: taking fifty percent, he was taking fifty percent. He put
Speaker 1: it in. He was like, yo, well listen, give me
Speaker 1: some time. I'm gonna figure something out. But at this
Speaker 1: time on everybody was like buying iPhones, you know, on
Speaker 1: the black market, to resell to send overseas. And this
Speaker 1: is when Sprint first started doing it. So people will
Speaker 1: come in and people will try to buy iPhones from
Speaker 1: us for like three four hundred bucks over regular price,
Speaker 1: but we got paid off the contract. Well, he was like, yo,
Speaker 1: if I may have an account that probably can order
Speaker 1: like a few hundred iPhones, you think that the people
Speaker 1: will buy them. Like, I'm sure they'll buy guaranteed.
Speaker 4: It's like the first iPhone.
Speaker 1: This is the it was multiple but it was when
Speaker 1: they first came to Sprint. So I'm like, yeah, for
Speaker 1: sure they're buying. I put the phone call in. He
Speaker 1: brought the account ordered one hundred, one hundred iPhones, one
Speaker 1: hundred and fifty iPhones. They was worth one hundred thousand dollars. Well,
Speaker 1: we sold them, split it and twenty two years old.
Speaker 1: I don't know the back end yet. I don't really
Speaker 1: know business.
Speaker 4: He said. Insurance are covered MI.
Speaker 1: I'm like, yeah, Well he found out the rough and
Speaker 1: the rugged truth insurance only covered six thousand dollars. Since
Speaker 1: insurance covered six thousand dollars, you owe ninety four thousand
Speaker 1: on one hundred thousand dollars worth of iPhones. They already
Speaker 1: then came out and looked into it. Nobody figured out
Speaker 1: what happened where they got ordered from nothing, but since
Speaker 1: it came under his story ID it came back a
Speaker 1: year later he goes and submits information and say, well,
Speaker 1: it came from this IP address, and if it came
Speaker 1: from this IP address, he did it and threw me
Speaker 1: under the bus. And at this time, now I'm twenty three,
Speaker 1: twenty four, twenty three almost twenty four, were going back
Speaker 1: and forth to court and my lawyer just go He's
Speaker 1: just like, yo, listen, it's nothing concrete saying you did it.
Speaker 1: But I've seen people convicted on less and I would
Speaker 1: hate for you to go and fight it and still lose.
Speaker 1: And I'm like his role, he said, you can put
Speaker 1: that in there, like basically, if you tell and go
Speaker 1: to prison, you're still going to Now you're going to
Speaker 1: go to prison with the jacket on like a jail.
Speaker 4: You told. So what's your options is it go to
Speaker 4: jail or repay? Did they give you that option? Like
Speaker 4: you got to pay this ninety four thousand or go
Speaker 4: to jail.
Speaker 1: So that's what they what they did was it's crazy, listen.
Speaker 1: This is one of the reasons and I always say it,
Speaker 1: I'm thankful I had a white lawyer for so long.
Speaker 1: We didn't see eye to eye.
Speaker 4: I let him go.
Speaker 1: I was going back and forth to court, and I
Speaker 1: hire one of my friend's wife to be my lawyer.
Speaker 1: She was a lawyer. She came to court and when
Speaker 1: she came to court, she came to court with a
Speaker 1: Louis bag, diamond bracelet, nice watch, a diamond ring, right.
Speaker 1: And I look and I go, you like you look
Speaker 1: popping keep it a buck like you pop it right.
Speaker 1: And I'm just thinking to myself, like I'm fin think
Speaker 1: get grilled. We walk in and DA switched. It was
Speaker 1: nothing but black women. DA's It was a new black girl,
Speaker 1: D eight and all her assistants and her whole team
Speaker 1: was black women. Every other lawyer in the courtroom that
Speaker 1: day was white white men. They some kind of black
Speaker 1: girl magic happened. She came back and she said, well, listen,
Speaker 1: how much you feel comfortable that you owe? What's your
Speaker 1: rep what's the part you feel like you?
Speaker 4: Oh?
Speaker 1: I said sixty thousand. She was like okay, they said,
Speaker 1: you pay the sixty thousand back, you get probation, and
Speaker 1: you get first offenders like it never happened. And I'm
Speaker 1: looking at thinking to myself, I've been fighting this case
Speaker 1: two years going back and forth court and it's over.
Speaker 1: She yeah, it's over sixty thousand and it's over. But
Speaker 1: the part, the most trying part, was through the time.
Speaker 1: I've never been in that situation. So through that time,
Speaker 1: I don't know what life is because I don't got control.
Speaker 1: Now I'm like, yo, I have no control over my life.
Speaker 1: I've never been in a situation where since eighteen i've
Speaker 1: been in real estate, I've always been ahead and in control.
Speaker 1: I felt like I ran, like I ran my life,
Speaker 1: and then I realized, like, yo, you better be on
Speaker 1: the right path to run your life because this can
Speaker 1: be gone like this. And so from there that's when
Speaker 1: I realized, like we closed it out. I got that
Speaker 1: behind me, and then I started figuring out, you know, me,
Speaker 1: I worked in banks, so like knowing all the bank procedures,
Speaker 1: but I know I can't go back if this hold
Speaker 1: was above me. You know, I couldn't do it while
Speaker 1: I was fighting the case. So at that point, that's
Speaker 1: when really I started really learning and digging into credit
Speaker 1: because I had to figure out, like, yo, I have
Speaker 1: to now have my own loop, my financial backing, because
Speaker 1: there's nowhere else for me to get you know, I
Speaker 1: can't go to work. Kind of money I want to make,
Speaker 1: I can't go to work, So I need some kind
Speaker 1: of fund, some kind of trust fund behind me. And
Speaker 1: I started digging into credit, really getting heavy into that,
Speaker 1: and then leveraging everything I did working at the banks,
Speaker 1: and ended up actually even going back to a bank,
Speaker 1: getting back in and kind of helping people. And then
Speaker 1: that's when the credit stuff started, because I couldn't work
Speaker 1: a job because I was used to making money already.
Speaker 4: That's crazy, man, I mean I read your story. It
Speaker 4: was like, you've always been an entrepreneur, and so to
Speaker 4: even have the sixty thousands to beat that that, I mean,
Speaker 4: that's pretty remarkable.
Speaker 1: So I had to make payments. I'm not gonna front.
Speaker 1: I mean I had to make I had to make
Speaker 1: payments to get it.
Speaker 3: Then, yeah, I mean, but yeah, I mean that's one
Speaker 3: of those things where it's like, sometimes everything happens for
Speaker 3: a reason, well not even sometimes. Everything always happens for
Speaker 3: a reason, right, And it's like, like you said, between
Speaker 3: the ages of eighteen and twenty five, especially for anybody,
Speaker 3: but especially young men, especially black men, it's very tempting.
Speaker 3: You have a lot of temptations you have music, you
Speaker 3: have just the culture, society, and a lot of times,
Speaker 3: you know, we want to get to the finish line
Speaker 3: a lot quicker than we should with our parents, with
Speaker 3: our grandparents would advise us. And you know, a hard
Speaker 3: head makes a soft fast that.
Speaker 4: I was actually thinking that, like, your life is fast
Speaker 4: and choosing to move quicker. And then on the other
Speaker 4: part was like we always talk about this line of shot.
Speaker 4: You be like, yo, change the school to cop but
Speaker 4: more poort as loyalties. Yeah, but you got toot out
Speaker 4: the whole.
Speaker 3: But the shining light in that for me is that you,
Speaker 3: you know, saying that using the financial space and me
Speaker 3: being in the financial space. I know, anything on your
Speaker 3: record like that, it prohibits you from a lot, like
Speaker 3: ever really working in the financial space. So it's like
Speaker 3: now you forced to kind of figure it out. You
Speaker 3: still have a financial space mind. But that didn't happen.
Speaker 3: You probably would have just been a regular corporate worker maybe,
Speaker 3: but now you have to like kind of force yourself
Speaker 3: in to be like an entrepreneur on the credit side
Speaker 3: and learn credit. And then that blossomed until where you
Speaker 3: are now.
Speaker 1: So learning What happened was is that I said listen.
Speaker 1: My goal wasn't even getting credit.
Speaker 4: I started.
Speaker 1: I learned credit when I was eighteen. My broker, my
Speaker 1: real estate broker, had a credit pair company. I did
Speaker 1: all the underwrite, but my goal. When I started messing
Speaker 1: on credit, I go, okay, I need to get mine together, right,
Speaker 1: So I start focusing on my credit, figuring it out.
Speaker 1: And when everything happened, I never like literally the date
Speaker 1: was January fourth. It was January fourth, two thousand and
Speaker 1: fifteen when the case closed and was done January twentieth,
Speaker 1: I started my credit repair company. Between that time, I
Speaker 1: was figuring out what am I going to do? Like,
Speaker 1: what am I going to do? I started messing my
Speaker 1: credit and then I said, well, I'm gonna help other people.
Speaker 1: And I remember putting it out there like yo, I'm
Speaker 1: gonna help other people with their credit.
Speaker 4: Right, I'm leveraging. Mind.
Speaker 1: I figured it out, see people need it. I remember
Speaker 1: I made eleven thousand first month. Boom, I go okay,
Speaker 1: I got something. Start slowing down, and I remember like leveraging,
Speaker 1: like starting to build my credit up and figuring out
Speaker 1: what's the benefits because I knew it was more. It
Speaker 1: had to be more than get buy a house, buy
Speaker 1: a car, and get a credit card just for emergency purposes.
Speaker 1: I'm like, nah, it's more to this. This has to
Speaker 1: be worth more than just this what it is on
Speaker 1: the simple on the surface. That's where it started to
Speaker 1: like flourish, and I started digging deep into like, yo,
Speaker 1: how do I really go and get money? If I
Speaker 1: want to get credit card and I want to get
Speaker 1: funded in front of my own business, where do how
Speaker 1: I get the money?
Speaker 4: So in twenty fifteen, right, you said, January, what type
Speaker 4: of things are you doing to leverage your credit? At
Speaker 4: this point? Are in the beginning.
Speaker 1: Now, At the beginning, I was trying to make money, okay,
Speaker 1: So that was the business. That was the business that
Speaker 1: I had, helping people, showing them how to make money.
Speaker 1: So when it came from like I remember working in
Speaker 1: the banks helping helping people with it, and they still
Speaker 1: couldn't get approved. So then at that point I'm going,
Speaker 1: I'm looking now, And that's when I started really publicly
Speaker 1: helping people versus like you know, when I was working before,
Speaker 1: when I'm working in the bank going through all my trials,
Speaker 1: I can help people.
Speaker 4: But it was quiet.
Speaker 1: It wasn't like a marketed company. So now it's out
Speaker 1: publicly and I'm working it and it started bringing in
Speaker 1: So now I'm going, Okay, this is my business. I'm
Speaker 1: making money off of it. I have good credit. Now, okay,
Speaker 1: what's the benefits and perks of it? Yeah, that's and
Speaker 1: then at that point, that's when I started leveraging it,
Speaker 1: like learned about rewards, how to get credit cards, how
Speaker 1: to like start credit card stacking and stuff like that.
Speaker 3: So all right, let's get into it. Let's get into
Speaker 3: the meat and potatoes of what everybody wants to know
Speaker 3: this information. So I got questions, I know Troy got
Speaker 3: some questions. But one thing, that one thing that we
Speaker 3: have I haven't spoken about Alisha yet, and a lot
Speaker 3: of people have always asked us to cover it, and
Speaker 3: they always ask questions about it. It's tradelines. So I'm
Speaker 3: gonna ask you a couple of questions about tradelines. But before,
Speaker 3: for people that might not even ever heard of a tradeline,
Speaker 3: they don't even know what that is. What is a tradeline?
Speaker 1: So a tradeline is essentially an count on your credit report.
Speaker 1: So a trade line is any account on your credit
Speaker 1: report that reports on your credit. So vehicle the vehicle,
Speaker 1: the history of that of the vehicle from when you
Speaker 1: open it to when you close it. That's a trade
Speaker 1: line on your credit report. So it's any account that
Speaker 1: reflects and shows on your credit report.
Speaker 3: Okay, so there's like a hack where you can actually
Speaker 3: add people to Tradeline.
Speaker 1: As to adding people to your card as an authorized user.
Speaker 1: So now what happens is this when it comes to
Speaker 1: authorized users, And yes, it's a lot of details to
Speaker 1: it that you have to understand, and like different applying
Speaker 1: when you're applying and you know, getting different things and
Speaker 1: the benefits of them.
Speaker 4: But essentially what it is is that if.
Speaker 1: I got a credit card and I got ten spaces available,
Speaker 1: I can add you on to my credit card as
Speaker 1: an authorized user.
Speaker 4: And this is an authorized user tradeline.
Speaker 1: If I add you on as an authorized user and
Speaker 1: I have ten spots available, I charge you six to
Speaker 1: fifty right, well, six fifty times ten. That's sixty five
Speaker 1: hundred dollars. I'm only going to leave you on my
Speaker 1: card for sixty days. I never give you access. I
Speaker 1: set my account up in a way that you can't
Speaker 1: compromise me. Now I make sixty five hundred dollars every
Speaker 1: sixty days off on credit card. End of the year,
Speaker 1: I make forty thousand dollars off having a credit card,
Speaker 1: never going into debt, never actually using and spending the
Speaker 1: bank's money.
Speaker 3: And that's to help other people build their credit.
Speaker 1: That's helping other people build and established because it comes
Speaker 1: to data points on a credit card. How many positive
Speaker 1: accounts do you have? What's your credit card utilization? All
Speaker 1: of these things going to consideration when applying and leveraging
Speaker 1: and using your credit. So when those things come into play,
Speaker 1: authorized users hit so many points because it gives you accounts,
Speaker 1: it gives you age history, it gives you utilization. So
Speaker 1: when your utilization everything is right on your credit card.
Speaker 1: All of these things reflect on your grown up person's
Speaker 1: credit report. Who purchases the authorized user.
Speaker 4: So if I'm the person that's the authorized user, do
Speaker 4: I get a card or I don't get a card?
Speaker 4: You don't get a card because like when I this
Speaker 4: is crazy, Like my credit history goes back to thirty
Speaker 4: five years, right, I'm thirty eight, but my mom put
Speaker 4: an American Express card in my name, so my credit
Speaker 4: so like technically I'm an authorized user. So that was
Speaker 4: a trade line that she made for me in a sense.
Speaker 1: So she gave you a card on her account. Yeah,
Speaker 1: so what happened is is that if she gave you
Speaker 1: a card on her account, that made you the authorized user,
Speaker 1: and then that's what started building your history. But see
Speaker 1: what American expressed, They don't report back history, they just
Speaker 1: report going forward. So the whole time that you've had
Speaker 1: that card and she opened that account up, it's been
Speaker 1: on your credit right building out.
Speaker 3: So let me ask you this, thanks mom, because.
Speaker 4: Yeah, shout out to your mom. Thanks mam.
Speaker 3: We have a large listenership in jails and the federal jails,
Speaker 3: state jails. It's a very interesting dynamic. I have a
Speaker 3: lot of friends, family members, and they always report back
Speaker 3: to me and say that EYL is big in jail.
Speaker 3: So first of all, shout out to all the guys
Speaker 3: in jail, hold your head and all the returning citizens.
Speaker 3: So you was giving us some game about information for
Speaker 3: that right, as far as like the core logics for
Speaker 3: felons and things of that nature.
Speaker 1: Yeah, yeah, So now that's a whole nother bar for everybody.
Speaker 1: Like listen, I come out of the community. So I've
Speaker 1: been a victim of every single side of prison. Right,
Speaker 1: Pop's gone for life, Uncle gone, So family members, every
Speaker 1: single friend that I grew up with originally from my
Speaker 1: neighborhood has went down that path. And I tell people
Speaker 1: all the time is that those are some of the
Speaker 1: people coming home from prison that trying to get rehabilitated
Speaker 1: could be the hardest, like trying to get back in
Speaker 1: the community and it's like yo, all doors shut in
Speaker 1: your face. So what I tell people is that I
Speaker 1: figured out was that core Logic this is what credit learning,
Speaker 1: the secondary bureaus, Like most people don't know that secondary
Speaker 1: bureaus is what it's some of the companies that verify
Speaker 1: your data. So you got companies like Intervis, core Logics, Lexus, Nextus, Sage,
Speaker 1: stream Ars. These are all companies that have secondary data
Speaker 1: when it comes to your credit. So they're just data
Speaker 1: furnishing companies. So when you dispute something, a lot of
Speaker 1: times they're the ones who verify it. Well, I found
Speaker 1: out that core Logic was the one who verified evictions
Speaker 1: and convictions. At that point when I realized that core
Speaker 1: Logic is the company that verifies evictions and convictions, I knew.
Speaker 1: I said, listen, you mean to tell me that I
Speaker 1: can fix somebody's credit, but they still get to denial.
Speaker 1: We if I opt out of core logic, if you
Speaker 1: got an eviction, you still can get to approval. If
Speaker 1: you got a conviction, you can get to approval because
Speaker 1: I never gave them permission to share that data and
Speaker 1: that information. So now when you go to get an apartment,
Speaker 1: now write somebody who's in a position they go listen, well,
Speaker 1: I can help people get apartments. So if you understand
Speaker 1: how to clean your credit and opt out of the
Speaker 1: secondary bureaus, you opt out of core logics. Now you
Speaker 1: can go and get an approval for apartment.
Speaker 3: But that's a big thing that hold people from getting apartments,
Speaker 3: is there yep.
Speaker 4: So essentially, like this, I'll break down the whole blueprint.
Speaker 1: This is what you're gonna do, is that you're going
Speaker 1: to opt out and suppress your core Logics, Lexus, Nexus,
Speaker 1: savestream ars in office. You're going to suppress all of those.
Speaker 1: Once you suppress those, now you're going to force the
Speaker 1: credit bureaus to do an investigation with a six oho
Speaker 1: nine letter. So you use a six oh nine dispute
Speaker 1: letter when you sit in that six oh nine dispute
Speaker 1: letter and it's going to make them either verify that
Speaker 1: this account is accurate and verify that it belongs to you. Well,
Speaker 1: now since they don't have anybody to check the accurs
Speaker 1: he's with, they're gonna now have to do investigation. Most
Speaker 1: likely most of the things sixty to seventy times sixties
Speaker 1: to seventy percent of the negative items get removed because
Speaker 1: you already remove the middleman company who's verifying everything. So
Speaker 1: now once you do that, when you go to apply
Speaker 1: for apartments, you now can go and apply and if
Speaker 1: you've ever been evicted, it's not going to show up
Speaker 1: because you suppressed core Logics. And if you got a
Speaker 1: felony on your background, it's not going to show up
Speaker 1: because you've.
Speaker 4: Suppress the chor logic company.
Speaker 3: But like, how do you suppress it?
Speaker 4: Like you have to what's the time length on the suppression?
Speaker 4: Does that happen? So suppress you?
Speaker 1: Basically what you do is freeze the report and opt
Speaker 1: out of them report sewing, and they do it and
Speaker 1: definitely until you opt back in.
Speaker 3: So you like call them and say I want to
Speaker 3: opt out.
Speaker 1: Yeah, so you can call them, you could call or
Speaker 1: you can do it online. So if you like Google
Speaker 1: like Lexus Nexus opt out. You can Google it and
Speaker 1: it'll pop up and take you to the form to
Speaker 1: actually opt out of that report.
Speaker 3: Good to know. Did you know that, Troy?
Speaker 4: I did not know that.
Speaker 3: I do not know.
Speaker 4: I feel like there's gonna be a lot of things today.
Speaker 4: We all go to learn together.
Speaker 1: People don't understand listen, right and the community. That's one
Speaker 1: of the dope things is that I tell people listen.
Speaker 1: That's a business in itself.
Speaker 4: Right.
Speaker 1: We don't know about the secondary bureaus. So you mean
Speaker 1: to tell me, I say, listen. You mean to tell
Speaker 1: me that there's companies out there that do all this information.
Speaker 1: I say, well, listen to one company, Core Logic gives
Speaker 1: us a whole business model. Because if I opt out
Speaker 1: of that, I can now help people clean their credit.
Speaker 1: That's a service. I can now help you get an apartment.
Speaker 1: That's a service. I can bundle it together if I want.
Speaker 1: But listen, I help you get an apartment. Now what
Speaker 1: else do I do? If I know I'm helping people
Speaker 1: get into condos? Listen, I'm gonna find that the newest
Speaker 1: building that's not fully occupied, and I'm gonna send people there.
Speaker 1: Well after three or four people go in and be like, yo,
Speaker 1: him five hundred sent me in here to get apartment.
Speaker 1: They're gonna kind of get familiar and be wonder who's
Speaker 1: in five hundred. And then I show up with gift
Speaker 1: cards and trinkets and nice things, and I build a
Speaker 1: relationship and I say, hey, listen, Now what I do
Speaker 1: is I'm an apartment specialist. I just help people find
Speaker 1: apartments and get into the city, especially new condos, things
Speaker 1: like this, and just ensure that they can get the
Speaker 1: approval when they come. Have my people been getting approved?
Speaker 4: Yes?
Speaker 1: Cool, boom, nice to meet you. Set this, set the
Speaker 1: relationship up. Guess what happens Now I get a referral
Speaker 1: fee from the leasing agent. Now I send it directly
Speaker 1: to the leasing agent. She's gonna want to get paid
Speaker 1: for getting people the least. Well, guess what Now I
Speaker 1: get paid for helping people get the apartment from the
Speaker 1: leasing agent.
Speaker 4: You've been paid four times already. That's three times.
Speaker 1: Three times I got paid from the client for helping
Speaker 1: them with their credit. I got paid for helping them
Speaker 1: get the apartment, making sure everything was approved, make sure
Speaker 1: to get the approval. Then I get the referral fee
Speaker 1: from the leasing agent. Now I'm pretty much responsible for
Speaker 1: helping everybody get apartments in the city.
Speaker 4: I become Penthouse Poppy.
Speaker 1: Imagine right, right, right, yeah, trademark you right, So I
Speaker 1: become Penthouse Poppy. So now I'm I'm in front of
Speaker 1: all the fly buildings, right, I'm in front of all
Speaker 1: the fly buildings. I'm in the penthouses, in the condos.
Speaker 1: But what's the biggest thing when it come to these condos.
Speaker 4: Furniture? Right.
Speaker 1: So, now a lot of people overlook it and don't
Speaker 1: realize furniture has one of the biggest markups. Right, Furniture's
Speaker 1: markup is ridiculous. So then I go to one of
Speaker 1: the furniture stores, the mom and pop furniture stores in
Speaker 1: the area. Guess what they do financing? You can fund,
Speaker 1: you can finance furniture.
Speaker 4: True.
Speaker 1: So now guess what I go and build a relationship. Listen,
Speaker 1: what does it take to get ten thousand dollars in furniture? Right,
Speaker 1: I need a ten thousand dollars approval. Let me see
Speaker 1: what that credit report needs to look like. What does
Speaker 1: this need to look like? This approval process. Now, when
Speaker 1: I get people apartments, I'm gonna send you to the
Speaker 1: local furniture store to now even get the furniture. I'm
Speaker 1: not gonna charge you for that. No, I got the relationship.
Speaker 1: I'm gonna charge the furniture store. And hey, listen, Markup
Speaker 1: is crazy on this. You probably selling for ten thousand,
Speaker 1: you giving them twenty five hundred dollars worth of furniture,
Speaker 1: maybe four. I need a seven hundred and fifty dollars
Speaker 1: referral fee for every client.
Speaker 4: I send it here. But when I go in, you
Speaker 4: go in and introduce yourself. Is listen, makeup.
Speaker 1: And I'm a part and specialists, right, I specialize in
Speaker 1: and I'm an occupancy specialist. Right, I specialize in getting
Speaker 1: all the apartments in the area fully occupied or an
Speaker 1: occupancy level of ninety five plus percent. They're gonna be confused.
Speaker 1: I don't know what that is. But he get people apartments.
Speaker 1: I got a list of people that.
Speaker 4: Need furniture and terry decorated to you.
Speaker 1: Yeah right, yeah, I do interior decorated. So now I
Speaker 1: get paid. Now only am I helping you get the apartment.
Speaker 1: I'm getting paid from getting you the apartment from the
Speaker 1: least an agent. And I'm over here with the furniture
Speaker 1: guy and get a kick on the back end, because
Speaker 1: I'm gonna tell you, hey, listen, your credit is together.
Speaker 1: You can go over here and get ten thousand furniture.
Speaker 1: Now your condo is furnished. And now you just got
Speaker 1: paid four times. Now you get paid four times. That's Penhouse, Poppy.
Speaker 1: That's a business for anybody that's listening. It don't matter
Speaker 1: what your background is, it don't matter.
Speaker 4: It all started from you just suppressing one thing so
Speaker 4: somebody could be approved.
Speaker 1: Literally, that's that's realistically. I used to run that company
Speaker 1: and that's where it started from. That's literally how that
Speaker 1: business started.
Speaker 3: You know what.
Speaker 1: Derek Grace, Yeah, I don't know him personally, but online
Speaker 1: see him.
Speaker 3: Uh, that's that's our guy, good friend of ours. He posted,
Speaker 3: I mean, he posted a post of yours and he
Speaker 3: was like, I don't know bro, but he dangerous.
Speaker 4: Yeah listen, I'm gonna tell you.
Speaker 1: I'm gonna tell you, right, I watched Bro posts and
Speaker 1: and and I and I look and I be like, boy,
Speaker 1: he we we do different stuff, right, But I said, yo,
Speaker 1: he he give it up?
Speaker 4: Like he not?
Speaker 1: He not capping on nothing. He says, like even from
Speaker 1: you know, I look, I don't care.
Speaker 4: I'm wearing diamonds.
Speaker 1: Yeah, but you know, but you know, even with the
Speaker 1: gold game man like bro Vicious, Now it's much respect.
Speaker 3: When he said that that was real, he actually got
Speaker 3: my attention with that. I'm like, nah, it's Dode is
Speaker 3: dangerous man, He's dangerous. Like it's a lot of your
Speaker 3: information is the most important thing in the world, like
Speaker 3: because it's like there's so much stuff that you can
Speaker 3: just change your whole, your whole life, your whole your
Speaker 3: whole generation with just a few vital pieces of information.
Speaker 1: It's all to take, and it's so many of us
Speaker 1: out here leading away giving it up to us and
Speaker 1: giving the information of to really see how people could
Speaker 1: change their life. Like I just laid out, like we're
Speaker 1: on a public podcast, and I just gave out a
Speaker 1: whole business plan off of leveraging one piece of information
Speaker 1: before that, I gave a blueprint.
Speaker 4: I hope they take notes, like, listen.
Speaker 1: I'm giving you. I gave the blueprint. This is how
Speaker 1: you clean your credit after I use a six or
Speaker 1: nine letter. Get familiar with companies like CFPB. This is
Speaker 1: the companies that regulate the credit bureaus. These are things
Speaker 1: that we need to know information that we need and
Speaker 1: I'm looking now when I go, we start looking, and
Speaker 1: so many lives. It's changing off of information.
Speaker 4: Yes, it's a lot.
Speaker 3: Let me ask you. Let me ask you another question.
Speaker 3: You got an interesting thing when you said that turn
Speaker 3: a liability into an asset, And that really struck my
Speaker 3: attention because it's, like you said, we've been programmed so
Speaker 3: long to think that everything is liability on a certain level,
Speaker 3: like that an asset, traditional assets like cars for instance. Right,
Speaker 3: it's like no matter Like we did a video about
Speaker 3: how to like put your car in your business name
Speaker 3: and take the deduction and all that, and a lot
Speaker 3: of people was like that. I didn't know any But
Speaker 3: then there was always some skeptics like, well it's still
Speaker 3: a liability. You still wasting money on it. Well you
Speaker 3: broke down something, and that was kind of crazy. You
Speaker 3: got my attention to how you can actually turn make
Speaker 3: money with the car, like running ads and can you
Speaker 3: talk about that logit?
Speaker 1: Yeah, So when it comes to that, one of the
Speaker 1: things is that, look, I it's fraying and it probably
Speaker 1: rub people the wrong way. Cars are liabilities, right, that's
Speaker 1: a nineteenth century mindset, right, Take that back. That's in
Speaker 1: the nineties and the eighties that that mindset exists. It's
Speaker 1: not relevant now. Only people that that's relevant to is
Speaker 1: people who won't acquire new information and don't stay up
Speaker 1: to date with systems, right, because it's no way that
Speaker 1: you can look at a vehicle unless you just don't
Speaker 1: have the information. I got friends that make six figures
Speaker 1: off of vehicles. No way you're gonna tell me that
Speaker 1: that's a liability. It's a liability if we don't utilize it. Right.
Speaker 1: So then I started telling people, I say, listen, you
Speaker 1: won't you want to learn? Okay, here, let's take a car,
Speaker 1: like a smart car.
Speaker 3: Right.
Speaker 1: I went and found the littlest car, right, littlest car
Speaker 1: that nobody wants. When I tell you, right, it's the
Speaker 1: smart car for two right, Listen to me.
Speaker 4: I didn't think it was yours when I saw it, Right,
Speaker 4: I did. That's all you driving?
Speaker 1: I say, yeah, right, and I'm like yo, Like I
Speaker 1: put music in and everything got beat.
Speaker 4: I'm like, listen.
Speaker 1: Funny thing is that I bought a smart car, and
Speaker 1: then not only so, I bought a smart car. I
Speaker 1: tell people, listen, let me explain something to you. I
Speaker 1: got the smart car. And this is what I teach
Speaker 1: people as well. I say, look, you can go to
Speaker 1: a swap police and literally do a least takeover, put
Speaker 1: no money down out of pocket. Get a car that
Speaker 1: costs two hundred dollars a month. This vehicle costs two
Speaker 1: hundred dollars a month. Now what happens next? Since this
Speaker 1: vehicle costs two hundred dollars a month, I say, he listen,
Speaker 1: early leisure. I got a car that's gonna be in
Speaker 1: in downtown Metro Atlanta twelve hours a day. It'll probably
Speaker 1: get exposed to about twenty thirty thousand people a month.
Speaker 1: Give me two hundred bucks. I want to put earn
Speaker 1: your leisure on the left side in your company promotion.
Speaker 4: Is that something that you'll be okay with? Will do it?
Speaker 3: Sold lights? Right?
Speaker 4: That's that's light. Okay.
Speaker 1: Well, guess what I'm gonna get somebody else to put
Speaker 1: their business on the on the right side. I'm gonna
Speaker 1: get another business to put their business on the back
Speaker 1: of the door, on the back of the vehicle.
Speaker 4: Right.
Speaker 1: I now make six hundred bucks off of two hundred
Speaker 1: dollars liability. Then I say, say, well, how you gonna
Speaker 1: keep it in the Metro Atlanta for twelve hours a day.
Speaker 1: You're gonna drive it. No, I'm gonna go and hire
Speaker 1: somebody to drive it. So now I'm gonna, well, I'm
Speaker 1: gonna rent the car out to somebody who want to
Speaker 1: drive for Uber Eats, grub Hub, door Dash, one of
Speaker 1: the grocery delivery services. Look, give me one fifty a week.
Speaker 1: You don't pay gas or insurance. You give me one
Speaker 1: fifty a week, and you use the vehicle. Now I
Speaker 1: got and you use the car six hours a day.
Speaker 1: You got options, you got access to six hours a day,
Speaker 1: seven days a week.
Speaker 4: That's one person. I do two people.
Speaker 1: So now that's twelve hours. That's the twelve hour shift
Speaker 1: in the day. That's two people paying me one fifty
Speaker 1: one fifty a week. That's three hundred dollars. That's twelve
Speaker 1: hundred dollars a month. So now making twelve hundred dollars
Speaker 1: a month off the drivers, six hundred off the advertisement,
Speaker 1: that's eighteen hundred dollars a month. Sixteen hundred of that
Speaker 1: is profit. I'm making sixteen hundred dollars profit off of
Speaker 1: one vehicle that they said was a liability. If I
Speaker 1: got two cars. I'm thirty two hundred dollars to the
Speaker 1: good every month to the good, thirty two hundred dollars
Speaker 1: a month straight cash on.
Speaker 4: Me what it's one of the best things I've heard
Speaker 4: you say, Man, mindset is the only liability.
Speaker 1: It's and now you make thirty two hundreds a month.
Speaker 1: Imagine this. What's your background need to be? What do
Speaker 1: you need a degree in? That's thirty two hundred dollars
Speaker 1: a month paying for a vehicle. Now, if you really
Speaker 1: get tricky and you understand is that then you go, well,
Speaker 1: it's the other cars out there, and you can look
Speaker 1: up it's websites that attack and say, hey, look, these
Speaker 1: cards perform the best on touro. Right, you can literally
Speaker 1: get one of those cards and then make it pay
Speaker 1: for your other ones, or you just use it as income.
Speaker 1: You come home and you're like, yo, I got my
Speaker 1: credit together, but I don't know what to do with it.
Speaker 4: How do I turn my credit to cash?
Speaker 1: That's one of the credit to cash strategies is actually
Speaker 1: learning how to execute and learn systems.
Speaker 4: All right, So I want to talk about something that
Speaker 4: was a whole lot of game what you're known for,
Speaker 4: and that's turning credit into cash. Most people, when we
Speaker 4: think credit cards and how we get cash on it,
Speaker 4: it's like, hell, if we get a cash advance, then
Speaker 4: we can take money out from it. Yeah, but your
Speaker 4: strategy has no cash advance and it stills liquid and
Speaker 4: can you break that down? So it's a little bit different.
Speaker 1: Like it's a whole bunch of different ways, right when
Speaker 1: it come to like turning credit to cash. And I
Speaker 1: tell people one you don't ever want to do. If
Speaker 1: you had to pull money out doing a cash advance,
Speaker 1: they're going to charge you more and they hit you
Speaker 1: with extra fees and a higher percentage. So I tell
Speaker 1: people kind of stay away from the cash advances. But
Speaker 1: I do things like it's just ways to generate cash.
Speaker 1: That's like my mindset is entrepreneur at all time. So
Speaker 1: like I tell people do things like you know, knowing
Speaker 1: which credit cards to use to do certain things. For example,
Speaker 1: if I go and run ads, right, like I could
Speaker 1: run ads, and when I run ads, I can run
Speaker 1: ads and generate income back. But if I wanted to
Speaker 1: like pull money off, like what you just said, something
Speaker 1: like you just said, like trying to pull money off
Speaker 1: without doing a cash advans fee One of the things
Speaker 1: that we used to do for fun is like I
Speaker 1: would go on a cruise and because when I go
Speaker 1: on a cruise ship, guess what happens on a cruise
Speaker 1: ship is that they give you the debit card the
Speaker 1: room key. So when I go on a cruise ship
Speaker 1: and use the room key, I would just go to
Speaker 1: the casino and get twenty thirty thousand chips and get
Speaker 1: a cashier check and go home. I just pulled my
Speaker 1: money off my credit card, and I got reward points
Speaker 1: because I was on a cruise ship. So since you're
Speaker 1: on a cruise ship, you get five points per dollar.
Speaker 1: So since I'm on a cruise ship, I get five
Speaker 1: points per dollar. I literally got chips. With the room key,
Speaker 1: I can max every card of if I wanted to
Speaker 1: and go home with the cashiers check if I needed
Speaker 1: to use it to invest whatever I needed to do,
Speaker 1: and I still accumulated the reward points. So if I
Speaker 1: need to go buy a house, I literally can go
Speaker 1: on a cruise three days for two hundred bucks, go
Speaker 1: pull off fifty thousand, come home with cashier checks, and
Speaker 1: go do my investment.
Speaker 4: But you sold you. This guy is name, So when
Speaker 4: you take the twenty, no Joe. So when you take
Speaker 4: the twenty, you are paying the twenty back, but you
Speaker 4: are redeeming the rewards.
Speaker 1: Points that come with spending that amount of money. You
Speaker 1: can keep the reward points. That's the perks and benefits
Speaker 1: of having credit. And that's one of the main perks
Speaker 1: and benefits of having credit I tell people is that
Speaker 1: credit cards versus debit cards is that you spend your cash,
Speaker 1: you get nothing back. You don't get big interest from
Speaker 1: letting it sit in the bank. Right, But how do
Speaker 1: we actually use the bank for a benefit? What do
Speaker 1: we get from the bank? And one of the things
Speaker 1: is that why they incentivized it was the reward points.
Speaker 1: But a lot of people in our community don't have
Speaker 1: that information and know how to use the incentives that
Speaker 1: they give us.
Speaker 4: We don't even do the research. The research. I feel
Speaker 4: like like that's like the fine line, Like nobody's reading
Speaker 4: the fine line, Like, yo, you get this these? I
Speaker 4: mean the most we ever look at. It's like, yo,
Speaker 4: can we get airplane rewards or airport awards and hotel rewards?
Speaker 4: But there's so many other things like that.
Speaker 1: You can actually be using this for yo. Listen, Right,
Speaker 1: is that one of the key things is this right.
Speaker 4: Today.
Speaker 1: You know I got on recession proof, right, But I'm
Speaker 1: an advocate of my community. I'm advocated where I come from.
Speaker 1: Some people will be like, yo, it's eight in y'all,
Speaker 1: we shouldn't wear designer clothes. We shouldn't do this and
Speaker 1: do that. Wear support black, own whatever it is, whatever
Speaker 1: you want to wear where naturally you know, things that's
Speaker 1: made from natural products, not cotton. I like wearing nice
Speaker 1: clothes Louis vu Tom FINDI right now some of my
Speaker 1: favorite dre But I know everybody, a lot of people
Speaker 1: in the community, this is what they're after. These the
Speaker 1: things that they desire to wear because it gets a status, right.
Speaker 1: It's kind of a sense of status, and I'll keep
Speaker 1: it a buck it is. It's a sense of status
Speaker 1: that people want something that costs more, something that's extra
Speaker 1: fly and make it separate. We got people growing up
Speaker 1: that in the kids that don't know how to actually
Speaker 1: go and get it without doing something illegal. Right, So
Speaker 1: they going selling drugs and robbing people for these designer
Speaker 1: clothes because nobody told them that, Hey, listen, you can
Speaker 1: actually be an entrepreneur and learn business for you could
Speaker 1: leverage credit and get it for free. So what I
Speaker 1: did was this, I started going and don't I don't
Speaker 1: want to spend my money on stuff. I'm cheap, right,
Speaker 1: I really don't like spending my money. So when I
Speaker 1: get designer clothes, I get it for free. I'm not
Speaker 1: going to spend cash. So in order for me to
Speaker 1: get designer clothes, I say, listen, I can run up
Speaker 1: my reward points and then redeem the transaction. So when
Speaker 1: I go, like I went and went to Louis Vuitton,
Speaker 1: spent six thousand, right like, sixty five hundred dollars in
Speaker 1: Louis Vuitton, and I literally redeem my reward points to
Speaker 1: cover it. How do you get the reward points? People
Speaker 1: don't know. It's the benefits of a credit card. Like
Speaker 1: you said, your gold American Express card alone gives you
Speaker 1: four to five points per dollar, four to five points
Speaker 1: per dollar every dollar you spend on running ads. So
Speaker 1: you mean to tell me you're gonna incentivize me making
Speaker 1: money with your money. Here's one hundred thousand dollars credit card.
Speaker 1: Go run and spend it. Run ads to market your
Speaker 1: business and get in front of people. And I'm gonna
Speaker 1: give you rewards for using my money. I ran one
Speaker 1: hundred thousand ads may had a million dollar money on
Speaker 1: the back end. They gave me seventy five hundred.
Speaker 4: Can we not let that just go over everybody's We're
Speaker 4: just I mean, congrats to you for that.
Speaker 1: Nah, I appreciate it. I appreciate it. But that is
Speaker 1: is that even with that, I'm gonna stay on that power.
Speaker 1: And nobody can say it's not powering a black dollar, right,
Speaker 1: because that is the black dollar. These are things that
Speaker 1: are in services and the community. I built for our community,
Speaker 1: and so this is our money circulating within our community.
Speaker 1: But I literally this is the point, is that the
Speaker 1: information I literally ran off my amex goal, spent one
Speaker 1: hundred thousand, wrung back a million, and then got close
Speaker 1: to like nine thousand reward points. So then I redeemed
Speaker 1: it and went shopping at Louis spent six thousand.
Speaker 4: So when are you redeeming it? Are you getting a
Speaker 4: gift card to the store, Like, are you getting like
Speaker 4: a SAX card or how's that work? Well?
Speaker 1: No, I literally went shopping. Swipe my card. When I
Speaker 1: go shopping and swipe the card, I literally go in
Speaker 1: and you can go into the reward the membership site
Speaker 1: and you just go, hey, redeem purchase. So you just
Speaker 1: redeem the points to cover the purchase the transaction that
Speaker 1: you made and it covered, gotcha.
Speaker 3: Yeah. And the good thing is you can use that
Speaker 3: for variety of different things like travel anything. So it's
Speaker 3: like you're not paying for like you SA. I mean,
Speaker 3: it's like anything that you do. And that's I'm glad
Speaker 3: you said that because it's like I feel like it's
Speaker 3: financial literacy teachers. It's our job to do things responsible.
Speaker 3: So like even when we got our cars, me, Matt
Speaker 3: and Troy, we got raped.
Speaker 4: This episode is brought to you by P and C Bank.
Speaker 4: A lot of people think podcasts about work are boring,
Speaker 4: and sure they definitely can be, but understanding of professionals
Speaker 4: routine shows us how they achieve their success little by little,
Speaker 4: day after day. It's like banking with P and C Bank.
Speaker 4: It might seem boring to save, plan and make calculated
Speaker 4: decisions with your bank, but keeping your money boring is
Speaker 4: what helps you live or more happily fulfilled life. P
Speaker 4: and C Bank Brilliantly boring since eighteen sixty five. Brilliantly
Speaker 4: boring since eighteen sixty five is a service mark of
Speaker 4: the PNC Financial Service Group, Inc. P and C Bank
Speaker 4: National Association member FDIC ernest What's up You ever walk
Speaker 4: into a small business, everything just works like the checkout
Speaker 4: is fast, the receipts are digital, tipping is a breeze,
Speaker 4: and you're out the door before the line even builds
Speaker 4: odds are they're using Square. We love supporting businesses that
Speaker 4: run on Square because it just feels seamless. Whether it's
Speaker 4: a local coffee shop, a vendor at a pop up market,
Speaker 4: or even one of our merch partners. Square makes it
Speaker 4: easy for them to take payments, manage inventory, and run
Speaker 4: their business with confidence, all from one simple system. If
Speaker 4: you're a business owner or even just thinking about launching
Speaker 4: something soon, Square is hands down one of the best
Speaker 4: tools out there to help you start, run, and grow.
Speaker 4: It's not just about payments, it's about giving you time
Speaker 4: back so you can focus on what matters most ready.
Speaker 4: To see how Square can transform your business, visit Square
Speaker 4: dot com backslash go backslash eyl to learn more that
Speaker 4: Square dot com backslash, go backslash eyl. Don't wait, don't hesitate,
Speaker 4: let's Square handle the best back in so you can
Speaker 4: keep pushing your vision forward.
Speaker 5: You just realized your business needed to hire someone yesterday.
Speaker 5: How can you find amazing candidates fast? Easy? Just use Indeed.
Speaker 5: Stop struggling to get your job posts seen on other
Speaker 5: job sites. With Indeed sponsored jobs, your post jumps to
Speaker 5: the top of the page for your relevant candidates, so
Speaker 5: you can reach the people you want faster. According to
Speaker 5: Indeed data, sponsored jobs posted directly on Indeed have forty
Speaker 5: five percent more applications than non sponsored jobs. Don't wait
Speaker 5: any longer, speed up your hiring right now with Indeed,
Speaker 5: and listeners of this show will get a seventy five
Speaker 5: dollars sponsored job credit to get your jobs more visibility
Speaker 5: at indeed dot com slash pod Katz thirteen. Just go
Speaker 5: to Indeed dot com slash pod katz thirteen right now
Speaker 5: and support our show by saying you heard about Indeed
Speaker 5: on this podcast terms and conditions of hiring Indeed is
Speaker 5: all you need.
Speaker 3: Thank rovers. But we made a video and in what
Speaker 3: like semi viral, but I put it in there like
Speaker 3: don't think that we just did this irresponsibly. And then
Speaker 3: we made like a whole video like explaining like how
Speaker 3: you can actually put your car in your business name
Speaker 3: and take a deduction and all of that. So it's
Speaker 3: like when people see you with you know, these designer
Speaker 3: clothes on, it's not like he's just getting money and
Speaker 3: just spending it on that. Technically, it didn't really cost
Speaker 3: you anything because you're paying for it with reward points.
Speaker 3: You reinvested your money into your business, which grossed more money,
Speaker 3: but you didn't even take the profit of that. You
Speaker 3: just used the reward points to pay for that.
Speaker 1: And I ain't even reinvest my money in my business.
Speaker 1: I'm gonna use their money again next month to make
Speaker 1: more money.
Speaker 3: Well, yeah, because the credit credit.
Speaker 4: I use my money go buy stuff. I think the
Speaker 4: best part is what you said is like, y'all, chief,
Speaker 4: I don't like spending my money. I'm buying that. I'm buying.
Speaker 1: I'm in the middle right now buying a bank one
Speaker 1: point five million. I'm buying a bank in the sense
Speaker 1: I'm buying the land.
Speaker 3: Talk about that, talking about that break.
Speaker 1: Right, yeah, listen, right, So right now I'm in negotiations
Speaker 1: of buying a piece of land that a bank happens
Speaker 1: to sit on, a sun Trust bank.
Speaker 4: They have a twelve year lease in Georgia. Yeah, in Georgia.
Speaker 1: And they're then the amount they pay is about one
Speaker 1: twenty a year. They pay one twenty a year on
Speaker 1: the lease. They got a twelve year lease. The property
Speaker 1: is like one point five. I'm trying to give them
Speaker 1: one point five for the land. Now I own that
Speaker 1: they have a twelve year lease, meaning and a bare
Speaker 1: minimum locking of eight years. So for the next eight years,
Speaker 1: I'm gonna make one point two I mean one hundred
Speaker 1: and twenty five thousand a year. That's a hell of
Speaker 1: a salary off on the land on the bank. And
Speaker 1: I'm still right. This is reinvest This where I put
Speaker 1: my money at instead of putting it into like yo,
Speaker 1: I'm gonna go buy a designer clothes. Now I'm gonna
Speaker 1: keep acquiring land, keep acquiring property and really build and
Speaker 1: learning what to do with money and learning how to
Speaker 1: play real estate. So now I got a long term
Speaker 1: hold at least now it's a bank there, I got
Speaker 1: a long term play for the next eight to ten years.
Speaker 1: That money now just goes back into that can go
Speaker 1: and invest into it with my daughter. And now, you know,
Speaker 1: especially when you can play with money, y'all get so
Speaker 1: many people in here that teach us how to save
Speaker 1: money and invest it and let the interest compound. You
Speaker 1: imagine having one hundred and twenty five thousand coming in
Speaker 1: every year compounding for the next eight years to twelve years.
Speaker 3: We'll ask you this as far as the credit, because
Speaker 3: you're using your AMEX to run the ads, how did
Speaker 3: you get the like how did you get your first
Speaker 3: business credit card? Or you're using your personal credit card
Speaker 3: or is that through the business credit card?
Speaker 4: Business?
Speaker 1: But it started Everything starts like business credit is super sexy,
Speaker 1: is everybody want to talk about business credit? But it
Speaker 1: all starts with your personal So my personal credit report
Speaker 1: was structured properly and I was a PG. So I
Speaker 1: did a personal get tour, put my social on the line,
Speaker 1: put in my business name, and then that's how how
Speaker 1: you're doing I just kept building.
Speaker 3: Just kept doing it, like that same thing with the
Speaker 3: personal like the same way you build personal credit. You
Speaker 3: just build it that way. Yeah, could history pay your
Speaker 3: bills on time.
Speaker 1: Getting your net thirties, net sixties, different things on it.
Speaker 1: But my main goal, like where I really focused that
Speaker 1: was all on the personal side.
Speaker 3: So what was the first limit? You remember, like the
Speaker 3: first limit that you got on your business credit like
Speaker 3: a small with a small amount.
Speaker 1: Yeah, but oh business or personal business on the business side,
Speaker 1: first limit, Nah, that first limit wasn't That first limit
Speaker 1: was nasty.
Speaker 4: It was like thirty thousand.
Speaker 3: Then we started getting you already established it from the personal.
Speaker 4: Yeah, not my ea.
Speaker 3: So as long as your personal is good, you should
Speaker 3: be able to get a substantial amount of business.
Speaker 4: You just Yeah.
Speaker 1: The thing is that That's why I tell people work
Speaker 1: your personal because then once you work your personal credit,
Speaker 1: once you work that personal side, when you go to
Speaker 1: get business credit, you're going to get double on trip
Speaker 1: of your limits from what you have on the personal.
Speaker 1: So if you work this, get these large, let them season.
Speaker 1: Let your personal card season.
Speaker 4: And grow those.
Speaker 1: When you go to apply for business you should you
Speaker 1: shouldn't be going getting a ten thousand dollar business credit card.
Speaker 3: So you have multiple because like they say, personal cards,
Speaker 3: you shouldn't have like more than like three or four.
Speaker 3: Like does that matter with business.
Speaker 4: Or business is a little bit.
Speaker 1: Business is different because business doesn't report on your credit.
Speaker 1: Some do, like Capital one. Don't get that one if
Speaker 1: you don't want to show on your credit report. That's
Speaker 1: one of the business cards that show but my thing
Speaker 1: is that I show I specialize in like personal side.
Speaker 1: I got a sequence I learned how to do and
Speaker 1: go get fifteen personal credit cards with only like five inquiries.
Speaker 4: I need to ask you that, but before I want
Speaker 4: the explanation on that. But while you're saying this, and like,
Speaker 4: how does one grow the limits on their credit cards?
Speaker 1: Right?
Speaker 4: Because like sometimes like you can have a credit card,
Speaker 4: you pay it off, and like you actually have to
Speaker 4: go in and try to increase it. But sometimes there
Speaker 4: will be a situation where the company will say we've
Speaker 4: increased it because of your good standing. Is there a
Speaker 4: strategy to grow it? To double it and triple it?
Speaker 1: So when it comes to growing your credit cards, like
Speaker 1: I tell people that you want to put everything on them,
Speaker 1: I'll take like, if you're gonna work credit cards, take
Speaker 1: a few of them, like because I teach how to
Speaker 1: get massive amounts. But if you only have a few,
Speaker 1: what you want to do is put everything. You should
Speaker 1: never use a debit card, right, And this is the
Speaker 1: example I tell people. I say, listen, if if you're
Speaker 1: walking down a dark alley with ten thousand in your
Speaker 1: pocket where they robbing people at who money you want
Speaker 1: in your pocket yours or mine, it's yours exactly. So
Speaker 1: every day you go out and you swiping your debit
Speaker 1: card with your heart o money, your hard earned money versus,
Speaker 1: and you put it at risk. We all know how
Speaker 1: fraud and how high it is now, right, So every
Speaker 1: day when you go out and you're using your debit
Speaker 1: card and you're putting it online and you're making purchases,
Speaker 1: you're putting your money at risk. So when you put
Speaker 1: your money at risk, why would instead of put everything
Speaker 1: on your debit card, I mean on your credit card,
Speaker 1: put everything that you spend on a credit card and
Speaker 1: pay it off, not go buy and buy whatever you
Speaker 1: want the money that you would have spent out of
Speaker 1: your debit. Then you pay your credit card back off,
Speaker 1: pay your credit card bill a few days early, two
Speaker 1: three days early, but pay your credit card back off.
Speaker 1: And not only are you leveraging and putting somebody else's
Speaker 1: money at risk, you also get incentivized for using it.
Speaker 1: So everything that you spend should automatically run off of
Speaker 1: an actual credit card. I run everything that I spend
Speaker 1: off a credit card, and so that decision increases it.
Speaker 4: Yeah, yeah, when you keep.
Speaker 1: Maxing it out, like if you can figure out depending
Speaker 1: on what you're doing. Like with me, we'll run it
Speaker 1: ass Like I specialize with really helping entrepreneurs, Like we
Speaker 1: all have to learn how to make money ourselves. How
Speaker 1: do we turn our credit to cash? How do we
Speaker 1: grow our businesses? So if we're going to use and
Speaker 1: grow a business, I'm gonna use my car. So like
Speaker 1: I max my card out on ads, right, I'm Facebook ads,
Speaker 1: Facebook ads, things like that.
Speaker 4: I also built a relationship. Man, y'all got me talking.
Speaker 4: Don't worry, no one's listening.
Speaker 1: I built a relationship. I built a relationship with a
Speaker 1: guy at a watch store, and he would resell watches, right,
Speaker 1: So he had the opportunity. He was like, Yo, you
Speaker 1: know it only takes me about seven or fourteen days
Speaker 1: to resell a watch. People come in all the time,
Speaker 1: trade in. You know, you get hit when you go
Speaker 1: to trade to watch it, so they're not going to
Speaker 1: give you full value. Well, he says, listen, if we
Speaker 1: buy it the same night, I can get it for
Speaker 1: what they paid before my store puts it online and
Speaker 1: puts it in the system. We can buy it for
Speaker 1: the same price. So what we would do is literally
Speaker 1: I gave him I let him hold one of my platinums.
Speaker 1: He would buy the watch when it came in at night,
Speaker 1: resell it because for the value of it. He already
Speaker 1: was known for selling watches. He reseller for the value.
Speaker 1: I'm getting credit on my credit card for how much
Speaker 1: to watch costs. We started with twelve thousand, We didn't,
Speaker 1: did sixty thousand, we didn't did fourteen's twenty fours, and
Speaker 1: literally built it out, max in the card out. Now
Speaker 1: my credit card on like that platinum I got. It's
Speaker 1: two hundred thousand a limit, sure, but it's just information
Speaker 1: and being able to seize the opportunity. And you know,
Speaker 1: that was one of the things we had a good
Speaker 1: relationship and trust coming to play. That ain't something you
Speaker 1: can people can duplicate. So I don't really speak on
Speaker 1: that a lot because that's not something you can duplicate.
Speaker 1: But it's just things that happen.
Speaker 3: Just knowing.
Speaker 4: So let's go back a little bit. So how do
Speaker 4: we acquire the multiple cards without having so many inquiries?
Speaker 4: Because that's I mean, I do anything and it's like
Speaker 4: you've got an alert. I'm like, yeah, is that man?
Speaker 1: So so no, look we here, man, it's really for
Speaker 1: the coach.
Speaker 4: Hey, listen, I'm gonna tell y'all. Listen, I'm gonna be
Speaker 4: telling people, right. Yeah, so, but no, it's one of
Speaker 4: the greatest.
Speaker 3: Yeah.
Speaker 1: So what we do is that we gotta understand, right,
Speaker 1: I'm gonna break it down to yalls that we got
Speaker 1: to understand that banks have rules.
Speaker 4: Right.
Speaker 1: I remember going to people. I'm not gonna hold you.
Speaker 1: I remember going and I was I was in credit
Speaker 1: and I was getting good and I'm going try and
Speaker 1: figure out how they do funding because I'm like, yo,
Speaker 1: I don't believe in no man fishing for me, right,
Speaker 1: You're not gonna go and fish for me. I want
Speaker 1: to learn how to fish myself, so I wouldn't pay
Speaker 1: anybody to get me funded. So I'm not gonna go
Speaker 1: and say, hey, let me go to Rashad so he
Speaker 1: can get me funded, and I'm gonna give him ten percent.
Speaker 4: Right.
Speaker 1: A lot of people are okay with it because they're lazy,
Speaker 1: they don't want to they don't have that drive. My
Speaker 1: thing is that I need to know it because I
Speaker 1: need to be able to make adjustments and help other people.
Speaker 1: Put my other family on. Were not often to come
Speaker 1: and give you ten percent. So I remember running through
Speaker 1: a sequence and figuring out. I'm like, how do I
Speaker 1: do it? And I try to apply for credit cards
Speaker 1: and they all got to not I'm like something wrong.
Speaker 1: So I'm like, okay, do more research because you can't
Speaker 1: just apply for credit cards.
Speaker 4: So I go okay.
Speaker 1: So over time i'm and I apologize. My family might
Speaker 1: feel some kind of way. I torched so many credit reports,
Speaker 1: like yo, I'm telling you they had increaes, Like my
Speaker 1: wife at one point had like twenty four inquiries. I
Speaker 1: was trying to figure it out, right like moms, brothers, right,
Speaker 1: everybody had it like everybody. One of my cousins is
Speaker 1: the ones who when we figured it out with he
Speaker 1: got the move. But I started learning that banks have rules.
Speaker 1: A lot of people are familiar that Chase has a
Speaker 1: five to twenty four rule. You can't get more than
Speaker 1: five credit cards with Chase in twenty four months, right,
Speaker 1: and so okay, okay, get it. So then I started researching,
Speaker 1: and then you got banks like Bank of America that
Speaker 1: has a.
Speaker 4: Two three four rule.
Speaker 1: You can get two credit cards every three months, three
Speaker 1: credit cards in a year, four credit cards total. Okay,
Speaker 1: that's their rule. But they don't worry about if you
Speaker 1: get credit cards from other banks. So I started learning
Speaker 1: the rules. Barclays has a rule you can get one
Speaker 1: credit card every day, so it excites people. But the
Speaker 1: cold part is The exciting part was the fact that
Speaker 1: Bank of America will let you get two credit cards
Speaker 1: every three months. But the two credit cards that you
Speaker 1: can get every three months you can get the same day.
Speaker 1: If you get them at the same time, you get
Speaker 1: them on the same inquiry, you get one inquiry to
Speaker 1: credit cards. See Barclays ain't that great yet? One credit
Speaker 1: card every day, I can only get one because I
Speaker 1: can't come back tomorrow. Once these inquiries hit, I'm done,
Speaker 1: can't come back right. So this is when I started
Speaker 1: learning how to stack my credit card applications together. Then
Speaker 1: you have to understand is that listen every bank see
Speaker 1: a lot of people get their credit together and the
Speaker 1: dream credit cards American Express.
Speaker 4: Listen to me.
Speaker 1: American Express goes last before discover the reason being they're
Speaker 1: not strict on inquiries. They're strict on new accounts. So
Speaker 1: if you don't have any new accounts within the last
Speaker 1: six months, I can get you approved for American Express
Speaker 1: with eighteen inquiries. This is where you want to be
Speaker 1: at is you want to look and go amex Chase.
Speaker 1: You put them last. They're not super strict on inquiries,
Speaker 1: and you have to understand with them is that they're
Speaker 1: going to come. And the reason they're not strict on
Speaker 1: inquiries is because they're going to do more of their
Speaker 1: verification and underwriting on the back end. You got companies
Speaker 1: like Barclays, Alliant, Davy, they do their underwriting on the
Speaker 1: front So if anybody like most of the time, when
Speaker 1: you get approval from Barclays, it may take you forty
Speaker 1: eight hours, and it takes you forty eight hours because
Speaker 1: they're doing their underwriting on the front side. They don't
Speaker 1: go through. They may hit you and ask you for
Speaker 1: verification documents income prove your income. They may hit you
Speaker 1: with that cool Chase is gonna hit you with a
Speaker 1: soft pool.
Speaker 4: Later.
Speaker 1: Let your credit card utilization start going out of whack,
Speaker 1: like you're using this credit card heavy. They'll hit you
Speaker 1: with a soft pool. When they do a soft pool.
Speaker 1: If your credit score it has dropped, you gotta derogatory marks.
Speaker 1: Your utilization is out of whack, they gonna slice your limits.
Speaker 1: American Express is gonna come and say well you put
Speaker 1: one hundred and fifty thousand on your application. They gonna
Speaker 1: come a year later ask for an income verification. They're
Speaker 1: gonna ask to dish your tie your tax returns and say,
Speaker 1: well you already made forty thousand, slice your limits, discover
Speaker 1: does the same thing. All of this is what helps
Speaker 1: we have to under This is the information that we
Speaker 1: have to understand when it comes to credit card stacking.
Speaker 1: So when you say, how do you get multiple credit
Speaker 1: cards at one time? You have to look and learn
Speaker 1: the rules of which credit cards can I apply for
Speaker 1: and get multiple cards at one time from one bank
Speaker 1: on one inquiry, literally stack them all together and do
Speaker 1: it at the same time.
Speaker 4: M hm, So key to that man fire outstanding.
Speaker 3: So let's let's talk about recession proof, right, because at
Speaker 3: some point it's like you learning all this stuff, learning
Speaker 3: this information, and it's changing your life. I'm assuming it's
Speaker 3: changing your family's life. At what point do you turn
Speaker 3: that into changing and educating other people?
Speaker 1: Listen with that part, that was never my goal, right,
Speaker 1: I'm honest, like that was never my goal. My goal
Speaker 1: was never to help other people. It was it was
Speaker 1: a secret. Right, you understand everything my family thought I
Speaker 1: sold drugs, right, Like I always see people people think that, yo, everybody,
Speaker 1: these dudes be online selling information. This is how they
Speaker 1: make money. They ain't really doing it. Tell people fact
Speaker 1: check me. I have Bentley Truck before I ever help somebody,
Speaker 1: ever right, g Wagon, before ever own my house investment
Speaker 1: properties before I assisted because I had the game, but
Speaker 1: I wouldn't. You know, It's how we feel we know something.
Speaker 1: Sometimes we don't tell people. You got secrets and stuff
Speaker 1: that you know, be like yo, now I know how
Speaker 1: we get the podcast number one. We know, like yo,
Speaker 1: I'm not telling, right, You're not gonna come. I'm not
Speaker 1: gonna tell, So you have to go figure out yourself.
Speaker 1: Eric Thomas Eric Thomas. I was in Masters of the
Speaker 1: Game and Eric Thomas said that if you know something
Speaker 1: that can help another man change the trajectory of his
Speaker 1: family in their future, and you don't share that information,
Speaker 1: you selfish. And it sat on me for a while
Speaker 1: because I still was like, yeah sounds good, Yeah right.
Speaker 4: It sat on me for a while, but.
Speaker 1: It came to a point to where it was like, yo,
Speaker 1: is that what's the what's the impact that you don't
Speaker 1: really want to make now that you're making money. I
Speaker 1: have my daughter, and then I started really seeing like
Speaker 1: I was born. When I was born, my mom was homeless.
Speaker 1: We lived in a shelter from the gate. When I
Speaker 1: had my daughter, she came home to a house I own,
Speaker 1: and I think, and I look, and I go, there's
Speaker 1: so many people that need this. I'm gonna be wrong
Speaker 1: if I don't share, right, And so everything I created
Speaker 1: though was like for myself, So then I started sharing
Speaker 1: it with people. That's when the recession proof started. And
Speaker 1: that's when I created a community. But I didn't create
Speaker 1: like a program. I literally create a family. So everything
Speaker 1: that we need, I go out and we do things right.
Speaker 1: Like events that we had. When y'all came to the event,
Speaker 1: I fly on private jets. Guess what happened. My mentees
Speaker 1: fly on private jets. You're a party, we a family.
Speaker 1: We operate on the same level. So they flying in
Speaker 1: on private jets. We got all the exotic vehicles. They
Speaker 1: drive nice vehicles. They driving nice cars. The whole event
Speaker 1: was free. So what happens is is that not only
Speaker 1: are they learning being able to be financial literate, they
Speaker 1: learn how to run and scale businesses. So now teach
Speaker 1: you everything you need to know about credit. But then
Speaker 1: I'm creating leaders because it's in order for what I
Speaker 1: did for my community, how can I get I was like, Yo,
Speaker 1: I need at least ten to fifteen other people doing this.
Speaker 1: I never expected it to be hundreds. Yet thousands of
Speaker 1: people going, nah, I need to help my community. I
Speaker 1: need to help my community. And it's still people out
Speaker 1: there who don't know who I am or that I exist,
Speaker 1: but it's thousands of us helping our community. So when
Speaker 1: we get on these platforms, the growth point is that
Speaker 1: we need more leaders in our community. We need more
Speaker 1: people who are financial literate to take this back. Everybody's
Speaker 1: not going to have the tenacity and say I want
Speaker 1: to fish for myself, but for those who do, those
Speaker 1: are the people that we need to stand up in
Speaker 1: the community. That they need to take that back home
Speaker 1: and be that for their family. They need to be
Speaker 1: that for the people around them, source for them to
Speaker 1: come and get this information from.
Speaker 4: Because if they're watching this podcast or listen to this podcast, how.
Speaker 1: Many people they know who don't listen to it, who
Speaker 1: didn't catch this information. So that's my point is like
Speaker 1: when you look at recession proof, my whole goal is
Speaker 1: to create leaders in the community when it come to
Speaker 1: financial literacy, when it comes to actually business, when it
Speaker 1: comes to growing and scaling and just being all around leaders.
Speaker 1: Not only with financial literacy. But if you see we
Speaker 1: did the Takeoveray, remember we did the Kroger takeover shut
Speaker 1: it down, kind of went viral a little bit that
Speaker 1: I was a big that was big.
Speaker 3: Oh yeah, slue to that I forgot about that to
Speaker 3: that that was yeah, that was really dope. Everybody was
Speaker 3: not familiar. The guys went into Kroger in Atlanta, and
Speaker 3: I think they are twenty dollars forty thousand dollars for
Speaker 3: families for for Thanksgiving so they can you know, not
Speaker 3: have to worry about that bill and you know, buy groceries.
Speaker 1: So yeah, y'all did the free gas too, did the
Speaker 1: free gas. The crazy thing is we did the gas
Speaker 1: before for the Kroger. Before the Kroger, we almost went
Speaker 1: to do another gas station, but instead we was like, yo,
Speaker 1: we decided let's just.
Speaker 4: Go do the Kroger. Went the Kroger.
Speaker 1: We tried to do gift cards and realized that wasn't
Speaker 1: gonna work, and we just said open the lines up.
Speaker 1: Everybody just running through. That's why the receipts for so long.
Speaker 1: We just let the line run. Everybody run through running
Speaker 1: grocery store. It was two days before Thanksgiving. Everybody ran
Speaker 1: through and we took care of it. Me and all
Speaker 1: the guys, a whole bunch of entrepreneurs. We all got
Speaker 1: together and collectively we did it together. We did a
Speaker 1: collective amount of forty thousand. But my point was that
Speaker 1: as a leader in the community and the leader of
Speaker 1: like recession proof, my mentees turned around a few days ago.
Speaker 1: They before yesterday's shout out to Bees for heading that out.
Speaker 4: My guy went out.
Speaker 1: They went out collectively and they put their money together
Speaker 1: my mentees and went and shut down a whole Walmart
Speaker 1: for like a Falster Care kind of company, not Falter Care,
Speaker 1: but like a sheltered company that takes families in and
Speaker 1: helped them get rebuilded, and pretty much went and shut
Speaker 1: in about all the Walmart out. One of the mentees
Speaker 1: how the truck. He went and learned how to leverage
Speaker 1: his credit, got his own trucking company started. He literally
Speaker 1: brung his truck to Florida. The Mentees fly out, they
Speaker 1: all on Recession Proof shirts and the news cameras out there,
Speaker 1: they go shut Walmart down and do a giveback. Had
Speaker 1: nothing to do with me. Guess what the name was
Speaker 1: that represented them when they.
Speaker 4: Said who did it? Session proof?
Speaker 1: They said Recession Proof Network, And I'm like, Yo, this
Speaker 1: just shows the selflessness of the community that we built it.
Speaker 1: And that's why I was like, Yo, this is different.
Speaker 4: So it's really a fan.
Speaker 3: So in the Recession Proof you actually so you also
Speaker 3: teach people like different steps on like all of it.
Speaker 3: Because what I'm realizing, even myself I had to be
Speaker 3: educated on because it's like you said, a lot of people, everybody,
Speaker 3: a lot of people have courses and things of that
Speaker 3: nature and educational platforms and things, and it's like, what
Speaker 3: I'm realizing is that you can only really learn so
Speaker 3: much much from like YouTube, yeah, or like even like
Speaker 3: a podcast like our podcast I think is the best
Speaker 3: out period and you can dis plenty of information where
Speaker 3: you can just act on that just a loan. But
Speaker 3: then some people want to It's like, you know, some
Speaker 3: people want to go further with the education, So like
Speaker 3: what do you actually teach in that? Like what are
Speaker 3: some of the subjects that you actually teach in the
Speaker 3: in the.
Speaker 4: Community in the community.
Speaker 1: My main topics that I teach is how to start
Speaker 1: a credit pair of business, how to scale it, how
Speaker 1: to grow it, how to automate it so you don't
Speaker 1: have to be the one doing it. Everybody needs a
Speaker 1: solid financial foundation. Teach people how to be that person
Speaker 1: and everybody gets it. Everybody needs it, so now you
Speaker 1: can be that home base. I teach people how to
Speaker 1: run a tradeline business, so that way you know how
Speaker 1: to actually turn something that's in your wallet into cash, right,
Speaker 1: something you already have, how to turn that into cash flow.
Speaker 1: So literally, how to start and run and scale a
Speaker 1: tradeline business. I teach people how to start and help
Speaker 1: you will get funded, meaning you're going If people don't
Speaker 1: want to learn how to do it themselves, then well
Speaker 1: then you help them for ten percent, so now you
Speaker 1: have your own funding business. Then I teach you all
Speaker 1: the every mastery trick you can learn about credit cards,
Speaker 1: Which credit cards to do for running ads, which ones
Speaker 1: for free hotels and you name it, How to master
Speaker 1: your credit cards, how to travel for free, teach them
Speaker 1: about private jets. I teach them how to get luxury
Speaker 1: cars so you don't pay for them, right because The
Speaker 1: goal is like, even when I told you about the
Speaker 1: reward points earlier, I may have went on a sixty
Speaker 1: five hundred dollars shopping spree, but that's because I'm established.
Speaker 1: Before I'm established, you don't spend sixty five hundred on clothes.
Speaker 1: You spend sixty five hundred on bills. So you don't
Speaker 1: pay for your groceries, you don't pay for your utilities,
Speaker 1: you don't pay for your mortgage, you don't pay for
Speaker 1: your insurance, you don't pay for your Netflix. You use
Speaker 1: the reward points to make you have a zero overhead
Speaker 1: while your business grows. So these are all things that
Speaker 1: I teach. But then I realized, like you said, you
Speaker 1: can only I can only teach so much. When you
Speaker 1: say you got a family, you can't go and say, well,
Speaker 1: imagine a father saying, yo, my kids gonna only know
Speaker 1: what I know. I'm only gonna teach you what I know.
Speaker 1: And all I did was learn financial literacy. When I
Speaker 1: know that I got brothers out here like Alice, get
Speaker 1: energy who running, and got people making six figures in trucking,
Speaker 1: So I say, yo, I need you to come and
Speaker 1: train my people on trucking. I got people like Wall
Speaker 1: Street trapper who know stocks and killing it and start
Speaker 1: say yo, I need you to come and give them
Speaker 1: an introduction to stocks. I got people like Justin Owens
Speaker 1: with four rex. I got trusts. How to actually minimize
Speaker 1: taxes to where you can defer your taxes. And you know,
Speaker 1: I can close out a year doing millions and paid
Speaker 1: same thing Trump paid right. How do we protect our self?
Speaker 1: Asset protection? All of these things come in because these
Speaker 1: are things that we needed. Facebook ads, how do we
Speaker 1: run Facebook ads? How do you scale a business? How
Speaker 1: to post on social media? I bring people in to
Speaker 1: teach us everything that we need to know in today's society.
Speaker 1: And I gave him an e book to sell so
Speaker 1: that way they have a digital product. It's just in
Speaker 1: case you got nothing else your author. I also help
Speaker 1: you become an author. So now that you're an author,
Speaker 1: what happens is that if you got nothing else, you
Speaker 1: can go and repeat my content what I said on
Speaker 1: E Y L.
Speaker 4: You go put it out to people who didn't.
Speaker 1: See and you say, well, I got a d I
Speaker 1: Y credit ebook that him five hundred told me. He
Speaker 1: taught me how to set up click funnels. He told
Speaker 1: me how to run ads. I'm run ads on this video,
Speaker 1: sell this digital product, and I still I got another business.
Speaker 4: And when you go on the book to it, I
Speaker 4: don't forget the event space.
Speaker 1: Yeah yeah, oh yeah.
Speaker 4: I taught him from me.
Speaker 1: Look my brother, me and my David Neil shout out Neil.
Speaker 3: But that fate would have it because like when we
Speaker 3: you know, we take our time because it's like we
Speaker 3: gotta be responsible about who we bring on the platform,
Speaker 3: and you know, we kind of you know, try to
Speaker 3: see if we know anybody that so we was looking
Speaker 3: and and it just so happened that somebody that we
Speaker 3: grew up would actually purchased became a part of the community.
Speaker 3: And he said he actually made money. What do you make?
Speaker 3: I don't gotta say his name, but so it's in
Speaker 3: its first month.
Speaker 4: He's been thirty thousand.
Speaker 3: Yeah, for sure, he made thirty thousand. So I'm not
Speaker 3: saying that's gonna happen to every single person, but we
Speaker 3: personally know it and doing our due diligence, Like I said,
Speaker 3: it just so happened that we actually knew somebody that
Speaker 3: was from our neighborhood. That yeah, it worked out.
Speaker 4: That's heavy.
Speaker 3: You know, you never know.
Speaker 1: You know what's crazy is that thirty thousand person month.
Speaker 1: That's amazing and double salute. We're gonna talk about off camera.
Speaker 1: But that's the goal for twenty twenty one is that.
Speaker 1: My goal is that you know, I've helped make three
Speaker 1: people millionaires throughout my program. Now, I got three millionaires,
Speaker 1: and I got sixty people who've been able to walk
Speaker 1: away from their job. And this year the reason why
Speaker 1: I put everything now, like like why would you bring events,
Speaker 1: space and all these different why are you bringing all
Speaker 1: this together? I said, oh, listen, my goal is I
Speaker 1: don't want to make one hundred millionaires in twenty twenty one.
Speaker 1: So my goal is to be able to go out
Speaker 1: back into the community and twenty twenty one, I want
Speaker 1: to help create one hundred millionaires. With that kind of goal,
Speaker 1: we got one hundred millionaire challenge, I said, listen, people
Speaker 1: don't understand it. You're going to make one hundred millionaires.
Speaker 1: I say, Yo, that's a big number. Million dollars, A
Speaker 1: big number. I said, listen, I made a million dollars
Speaker 1: and thirty days. If they can perform at a tenth
Speaker 1: of me, they'll be a millionaire. All they need to
Speaker 1: do is perform at one tenth of what I do.
Speaker 1: And if they fail and lose and do twenty percent,
Speaker 1: they walk away three four hundred thousand a year. Hell,
Speaker 1: were still successful in our community is a lot better.
Speaker 3: That's a fact. So, and one of the things with EYL,
Speaker 3: I feel like online of education is in new college.
Speaker 3: Everybody thinks I'm anti college. I'm not anti college. If
Speaker 3: you want to go to I went to college for
Speaker 3: ye has a degree. So you know, fortunately I have
Speaker 3: to spend money for college.
Speaker 4: But yo, why do that? I did.
Speaker 3: I'm just saying so I did.
Speaker 4: I did. We'll talk about that after so.
Speaker 3: But yeah, one thing, you know, people come on, whether
Speaker 3: it's Alex, whether it's our brother Hif from Bendam, Oh, everybody.
Speaker 3: A lot of people, you know, entrepreneurs. They have different
Speaker 3: programs and different things. That nation. The only thing that
Speaker 3: we ever ask is that, you know, they just show
Speaker 3: us a little love and give us a discount for
Speaker 3: anybody that watches ey L. And of course, you know,
Speaker 3: like I said, if you invest in education, you invest
Speaker 3: in educations up to you. If not, you know, just
Speaker 3: learning from the podcast is going to change your life.
Speaker 3: But you know, we do. That's like a stickler, like
Speaker 3: if you want to come on like you definitely we
Speaker 3: encourage people to to do a discount, and everybody today
Speaker 3: Credit has always obliged that and Marcus has been no difference.
Speaker 3: So five hundred dollars off is what Marcus agreed. Uh,
Speaker 3: we are greatly, greatly appreciative of that. So it's five
Speaker 3: hundred dollars off of the program, which is actually the
Speaker 3: lowest price on the market right now. And he did
Speaker 3: something exclusively for us, set up a website r p
Speaker 3: x e y l dot com, so there's no code needed, nothing.
Speaker 3: You cannot get this price for the Recession Proof program
Speaker 3: anywhere else. It's the cheapest that it's at anywhere right now,
Speaker 3: five hundred dollars off, and you just click the link.
Speaker 3: We'll have it in this description of this YouTube video.
Speaker 3: We'll have the description if you're listening on iTunes, Spotify.
Speaker 3: Also have it on our website under the Alumni tab,
Speaker 3: or you can just go to the website directly r
Speaker 3: p x e y l dot com. Once again, that's
Speaker 3: five hundred dollars off of the Recession Proof program. And
Speaker 3: that's a special it's not even a discount or code.
Speaker 3: It's just a special situation that he did for E
Speaker 3: y L and we greatly appreciate that, brother. Thank you.
Speaker 3: So if you're interested in joining the Recession Proof family
Speaker 3: once again, the website is r p X e y
Speaker 3: L dot com. No code needed. It is a special
Speaker 3: website set up with a special price, which is five
Speaker 3: hundred dollars off and we are honored to have that
Speaker 3: as the lowest price that you have anywhere in the
Speaker 3: world right now. There's no other place that you can
Speaker 3: get it toward that price. Appreciate you for doing that.
Speaker 3: Thank you.
Speaker 4: Love for the community, Yeah, yeah.
Speaker 3: For sure. So what do you have on the horizon?
Speaker 3: What are you working on? What would you like to
Speaker 3: tell of people? How can they contact you? Any last
Speaker 3: good words that you want to give the people.
Speaker 1: One of the things that I'm well, now you know
Speaker 1: what I like. I like still educating. He brungs something
Speaker 1: up that I want to say.
Speaker 4: We ended on this.
Speaker 1: My name is him five hundred. I'm credit specialist. I
Speaker 1: teach people how to leverage credit turned to cash. He
Speaker 1: said he paid for college. A lot of times we
Speaker 1: pay for college and we don't have a benefit from it.
Speaker 1: We don't make money from it. So I tell people listening,
Speaker 1: you want to know one the benefits of having student
Speaker 1: loans if you keep them, if you do go to college,
Speaker 1: and if you're in college right now, if you keep
Speaker 1: your student loans in good shape, what happens is is
Speaker 1: your credit report needs to look a certain way. There's
Speaker 1: data points that need to be hit. You need to
Speaker 1: have at least ten plus positive accounts. You want to
Speaker 1: build the age of your credit report as well, so
Speaker 1: we're going to stay there. You want two to three well,
Speaker 1: you need two to three inquiries or below. Right, you
Speaker 1: want a utilization rate of under nine percent. Your utilization
Speaker 1: rate under nine Everybody tells you thirty percent. That's cool,
Speaker 1: it doesn't have a negative effect. But it's not that
Speaker 1: it's optimal point. It's that it's optimal point when it's
Speaker 1: below nine percent. Between two and nine percent, you also
Speaker 1: want to have one hundred percent payment history. But the
Speaker 1: key point is that you want to have ten plus
Speaker 1: positive accounts, and you want to build the age of
Speaker 1: at least four to five years average age and your
Speaker 1: credit report. Nobody gets a student loan that was yesterday.
Speaker 1: They got it yesterday, right. Everybody has student loans that
Speaker 1: are old. One thing about student loans also is that
Speaker 1: there's never just one, So you have multiple student loans. Well,
Speaker 1: when you come to hit those data points, guess what,
Speaker 1: you may not even use that degree. But if you
Speaker 1: get those student loans in the right shape and you
Speaker 1: keep them in deferment where you have good payment, history
Speaker 1: helps you with the total number of counsel and your
Speaker 1: credit report, and it helps you with the age of
Speaker 1: your credit report. So then when you add a few
Speaker 1: more tradelines, different kind of tradelines, not just aus. When
Speaker 1: you add a few more different tradelines and bank products
Speaker 1: to your report, it's easier for you to get funding.
Speaker 1: So don't automatically think that, hey, I need to get
Speaker 1: my credit together, I need to go and clean these
Speaker 1: student loans off. Student loans have more positive effect than
Speaker 1: you believe when it comes to go and acquiring funding
Speaker 1: and getting credit cards and things like that. I here
Speaker 1: five hundred, I'm the leader owner of Recession prof Financial Literacy.
Speaker 4: And that's it, yo, man. You know what he finished
Speaker 4: off like the champion is. You know, I want to
Speaker 4: ask you something that I've never heard you talked about,
Speaker 4: and it's like the backbone of your business. I want
Speaker 4: to talk about her five hundred and her role in
Speaker 4: the business, and that that balance between I got to
Speaker 4: man because you know a married man as a married man,
Speaker 4: and I know it's not easy to balance family life
Speaker 4: and work life. And I know it's not easy when
Speaker 4: you know you've got a lot of things pulling you
Speaker 4: in different ways, but you know you're balancing it pretty well.
Speaker 4: You talked about her role. Yeah, so.
Speaker 1: That's the road, backbone, partner, rib punching bag, everything. When
Speaker 1: I got a bad day, that's the person, you know,
Speaker 1: that's the only person that I can talk about it with.
Speaker 1: Not only that, raising my kids, raising their family, raising
Speaker 1: me from the gate. When we started this company. We
Speaker 1: started this together, one hundred percent, not boom. We started
Speaker 1: the credit repair company together. So she knows everything inside now,
Speaker 1: but she's been more so behind the scenes. See I
Speaker 1: was more so. I'm on social media.
Speaker 4: I talk. She don't care. She a sociable person like real.
Speaker 1: Life, like I'm going out all my friends, I'm on
Speaker 1: social media, like nah, I'm posting content. First viral video
Speaker 1: we argue probably ten minutes before to get it right,
Speaker 1: like hold the light right there, chilled the camera, you
Speaker 1: got the wrong angle. Look how you're making me look
Speaker 1: I'm looking bad, Nah, argue Right, everything that we went through,
Speaker 1: we built this together. And so now one of the
Speaker 1: dope things is that as I built, we've been building
Speaker 1: the business infrastructure. Like she's bringing in my HR people.
Speaker 1: She's the one who goes out and make sure, like
Speaker 1: the accountants and everything is integrated.
Speaker 4: Right.
Speaker 1: She does all my integrations. And now we got it
Speaker 1: to where we're going to be kind of on autopilot
Speaker 1: and more active in the community. I actually brung her
Speaker 1: in and said, well, listen, it's a community of women
Speaker 1: that search financial literacy that's in this family, a lot
Speaker 1: of powerful women. But I haven't been able to edify
Speaker 1: my women in the community. And I as a man,
Speaker 1: could never edify the women and be like, Yo, let
Speaker 1: me get a group for y'all, and I'm gonna set
Speaker 1: things up for you. So now we have a sector
Speaker 1: for anybody who's in the Recession Proof family. Another just
Speaker 1: added bonus is the Women of Recession Proof. So now
Speaker 1: she's gonna run Women of Recession Proof to where they'll
Speaker 1: do women trips, they'll have women come and speak to them.
Speaker 1: Women accountability groups just for the women, just because males
Speaker 1: having more natural dominance. It's more males than it is women,
Speaker 1: but it's a lot of women in there, like that's bosses.
Speaker 4: Snoop, shouts to Snoop, shots of Snoop.
Speaker 1: It's a lot of powerful house women in there. And
Speaker 1: I'm going, Okay, we're gonna set this group up of
Speaker 1: the women of recession proof and shout out to her
Speaker 1: five hundred that's one. That's her secord that she's gonna
Speaker 1: be able to run and just pour back the things
Speaker 1: that she's been able to put into me and help
Speaker 1: be that for the other women in the group.
Speaker 3: One thing I wanted to ask you too, if you down,
Speaker 3: and congratulations too. I know you get married, appreciate it,
Speaker 3: So congratulations on that I asked. I talked to Alex
Speaker 3: about this. He said that he was down. So I'll
Speaker 3: put you on the spot to see if you're interested.
Speaker 3: I know. But you guys did a great thing in
Speaker 3: Atlanta and we had we had a special event that
Speaker 3: we did. Shout out the trap he was in town.
Speaker 3: Shout out to m the mortgage got shot you why
Speaker 3: that joined us. We was up Chowneldkament and with four
Speaker 3: hundred families got turkeys gift cards, Disneyland, Trip TV shout
Speaker 3: out to my man Kim from Thank Me. He said
Speaker 3: he never seen anything like that since the government cheese days.
Speaker 3: Like the line the line was literally like five blocks down.
Speaker 3: So I say that to say, you know, obviously it's
Speaker 3: a lot of people in need these days, all across
Speaker 3: the country. So maybe when COVID clears up a little bit,
Speaker 3: we can play something real big, a give back home
Speaker 3: and away. We can come to Atlanta, y'all can come
Speaker 3: to New York. Yeah, if you're interested.
Speaker 4: Now, one hundred percent, I'm in. You want to know
Speaker 4: what's so? What's what's crazy? Is that.
Speaker 1: Word to my mother?
Speaker 3: Yeah?
Speaker 1: Right now, listen right our hands down. We did the
Speaker 1: gas station giveaway. We did the gas station giveaway. Y'all
Speaker 1: announce that y'all was doing the dyking thing. I'm laying
Speaker 1: in in bed with my wife. I called Neo and
Speaker 1: I said, Yo, Neil, let's go to New York. I said, Yo,
Speaker 1: e y l trapper. They got a thing they're doing
Speaker 1: with dyking tomorrow. Let's go to New York. Alex had
Speaker 1: to close on his house and I go. Alex said
Speaker 1: he couldn't go. He had to do something he couldn't
Speaker 1: take off. Neil had to go and get his daughter
Speaker 1: literally was coming. I was like, yo, let's jump on
Speaker 1: a flight and come as well. And we was gonna
Speaker 1: pop out here. I swear it was gonna pop out.
Speaker 1: My thing is like, look, I gotta be involved in
Speaker 1: the community every way. So I'm with that one hundred percent.
Speaker 4: And after we did it, shout out to Brandon, I
Speaker 4: use with him mother night. Yeah, I'm like, yo, bro,
Speaker 4: we gotta do it. We gotta do something big for
Speaker 4: New York.
Speaker 3: So yeah, good good acts always inspire other good acts,
Speaker 3: and it's like competitive competition to do good. And I
Speaker 3: think as entrepreneurs it's like, you know, we we we can,
Speaker 3: you know, show nice things, and that's great. We got
Speaker 3: to encourage people that way. But I think we also
Speaker 3: got to encourage people, you know, whatever whatever it is,
Speaker 3: because it might be five dollars, that's something, it might
Speaker 3: be a smile. You never know how you can, but
Speaker 3: you do can affect somebody else to do something good.
Speaker 3: Like you know what I'm saying, Like you might give
Speaker 3: away forty thousand dollars. Somebody might not be in a
Speaker 3: position to do that, but they might be in a
Speaker 3: position to just help a lady across the street. You
Speaker 3: know what I'm saying, Just give a kid two dollars
Speaker 3: and not even say, yo, keep the candy. I don't
Speaker 3: even want the candy. Just take two dollars, like you
Speaker 3: know what I'm saying. So we need more of that
Speaker 3: because we're that's all we really have is each other.
Speaker 4: You know.
Speaker 1: And we got an amazing unit and it's just you
Speaker 1: just brung up, Brandon. And it's crazy being in New
Speaker 1: York seeing all the love. But it was another thing
Speaker 1: that I wanted from New York, right, being here seeing love.
Speaker 1: I rock with New York. Y'all got something here that's
Speaker 1: different from everywhere else, right, and that's that's whole and
Speaker 1: rock Nation. One of my goals was to get signed
Speaker 1: as a management deal, to get met rock Nation to
Speaker 1: actually manage my company, to help that take it to
Speaker 1: the next level.
Speaker 4: And so that's like being in New York too, feeling it.
Speaker 1: I'm like, well, you just brung it up like so
Speaker 1: many people here, but we don't think about who manages
Speaker 1: the entrepreneurs and gives that outlet. Yeah, nobody, no a
Speaker 1: list company or celebrities really have edified the education in
Speaker 1: the black community yet and it's it's crazy. Not only
Speaker 1: is it powerful and impactful, we see it, but then
Speaker 1: the money that's circulating through the community is crazy.
Speaker 4: So now that's one of the things.
Speaker 3: It just so happens that we got. We got the
Speaker 3: American Gangster album, we got the black album. You know,
Speaker 3: rock Nation, man, you got a lot of friends, actually,
Speaker 3: people over the shout out to everybody in Rock Nation
Speaker 3: for sure, good people over there, people that we know
Speaker 3: for sure, good people. All right, So how can the
Speaker 3: people contact you? How's your what's your social media handles?
Speaker 3: What's your website?
Speaker 1: All that information at him five hundred on Instagram at
Speaker 1: him five hundred, on YouTube at him five hundred everywhere
Speaker 1: on Twitter as well. Recession Proof Extreme is the website
Speaker 1: to just check out the team that I offer my
Speaker 1: program wise is Recession Proof Extreme. Also, you can visit
Speaker 1: me on Instagram at him five hundred, click the link
Speaker 1: in my bio, or if you want more content and
Speaker 1: just learn more about financial literacy, take a take a
Speaker 1: scroll through my page. I got a ton of videos
Speaker 1: where I just teach and just get information away for free. Yeah.
Speaker 3: Shout out to Sherry Bryant, President of rock Nation, who
Speaker 3: is a loyal supporter of Earn Your Leisure, a good
Speaker 3: friend of ours.
Speaker 4: I just we got to see one for her.
Speaker 3: Yeah, whatever you're ready. I sent my congratulations to snow Alectro.
Speaker 3: Hopefully that got sent to her. Shout out to Sherry.
Speaker 3: Shout out to Sherry for sure Troy Housekeeping items.
Speaker 4: Yeah, shout out everybody on Patreon dot com. Y'all know
Speaker 4: that's our proud to pay program.
Speaker 1: Man.
Speaker 4: It is uh, it is grown, man, It's so it's
Speaker 4: so interesting to watch how that has grown over the time.
Speaker 4: And I shout out to everybody that is on ey
Speaker 4: l University. You know, the Patreon Tier five members, you
Speaker 4: have access to the number one online school for education
Speaker 4: that is eyl University. And shout out everybody that's a
Speaker 4: point in the merch.
Speaker 3: Man.
Speaker 4: It is going really well.
Speaker 1: Man.
Speaker 4: So I'm happy to see everybody out there. I need
Speaker 4: some people to start tagging when they win the merged though.
Speaker 1: Man.
Speaker 4: I like seeing that. Man. I love to see people
Speaker 4: working out in it. I love to seeing people having
Speaker 4: it all while they're watching market Mondays or they watching
Speaker 4: the podcast. So keep doing more of that, man, I
Speaker 4: love to see it.
Speaker 3: Yeah, for sure. Thank you guys for rocking with us.
Speaker 3: We appreciate you. We'll see you next week. Peace.
Speaker 1: Peace, my graduates from my school being forced back.
Speaker 3: Drop bag Drop, Mike, drop drop.
Speaker 5: You just realized your business needed to hire someone yesterday.
Speaker 5: How can you find amazing candidates fast? Easy? Just use Indeed.
Speaker 5: Stop struggling to get your job post seen on other
Speaker 5: job sites. With Indeed sponsored jobs, your post jumps to
Speaker 5: the top of the page for your relevant candidates, so
Speaker 5: you can reach the people you want faster. According to
Speaker 5: Indeed data, sponsored jobs posted directly on Indeed have forty
Speaker 5: five percent more applications than non sponsored jobs. Don't wait
Speaker 5: any longer. Speed up your hiring right now with Indeed,
Speaker 5: and listeners of this show will get a seventy five
Speaker 5: dollars sponsored job credit to get your jobs more visibility
Speaker 5: at indeed dot com slash pod Katz thirteen. Just go
Speaker 5: to Indeed dot com slash pod Katz thirteen right now
Speaker 5: and support our show by saying you heard about Indeed
Speaker 5: on this podcast. Terms and conditions apply. Hiring Indeed is
Speaker 5: all you need