WEBVTT - Professional Development: CREDIT FUNDAMENTALS

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<v Speaker 1>You just realized your business needed to hire someone yesterday.

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<v Speaker 1>Stop struggling to get your job posts seen on other

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<v Speaker 1>and listeners of this show will get a seventy five

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<v Speaker 1>at indeed dot com slash pod Katz thirteen. Just go

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<v Speaker 1>to Indeed dot com slash pod Katz thirteen right now

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<v Speaker 1>and support our show by saying you heard about Indeed

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<v Speaker 1>on this podcast. Terms and conditions apply. Hiring Indeed is

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<v Speaker 1>all you need.

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<v Speaker 2>At the end of the day, Guys, if you're gonna

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<v Speaker 2>start a business, you're gonna miss some bills, Okay, You're

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<v Speaker 2>gonna lose some friends, You're gonna not talk to family.

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<v Speaker 2>You're gonna meet people that you would have never thought

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<v Speaker 2>that would elevate you to a point where you're like, damn,

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<v Speaker 2>this person does more than my own my own dad,

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<v Speaker 2>but this person does more than my cousin. This person

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<v Speaker 2>does more. Guys, I don't have a dad, I don't

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<v Speaker 2>have a father. My mom's getting divorced from my stepdad again.

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<v Speaker 2>So that's two dads in my life that am I

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<v Speaker 2>gonna make excuse? Am I gonna cry about it? Yeah?

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<v Speaker 2>I cry about it. I get help whatever the case is.

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<v Speaker 2>But am I gonna Is that gonna prevent me from

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<v Speaker 2>doing what I gotta do? No, if you guys lose

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<v Speaker 2>a friend, if you guys go through a divorce, if

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<v Speaker 2>you guys go through a loss, if you guys go

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<v Speaker 2>through a separation, don't let that deter you from doing

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<v Speaker 2>what your ultimately to have to do. Look, I'm at

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<v Speaker 2>twelve years. I try to I try to commit suicide

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<v Speaker 2>years ago. What would have happened if I did that?

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<v Speaker 2>You know what I mean? I still battle it. But guys,

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<v Speaker 2>if you're not ready to handle what comes with being

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<v Speaker 2>in business for ten years, fifteen years, then stop. Go

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<v Speaker 2>back to you nine to five, go back to what

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<v Speaker 2>you're doing right now, and be like, you know what

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<v Speaker 2>I want the education, But you know what, I'm not

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<v Speaker 2>ready to make this leap yet. I'm not ready to

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<v Speaker 2>go into this area of my life where I'm going

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<v Speaker 2>to lose friends and and God is going to test

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<v Speaker 2>me in a way. I'm not I'm not. I'm not religious,

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<v Speaker 2>but I'm very spiritual. I'm wholeheartly believe in in having

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<v Speaker 2>a higher power, in God and believing that things are

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<v Speaker 2>meant to be you speaking into existence. Like there's things

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<v Speaker 2>in life that if you don't speak it into existence,

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<v Speaker 2>it's never gonna happen. You guys know about me, I'm

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<v Speaker 2>not cocky. I'm not. I'm not I'm not conceited. I'm

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<v Speaker 2>actually a little bit unsure of myself. I'm always nervous

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<v Speaker 2>when I speak. But that's okay because that's the credit dude,

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<v Speaker 2>you know what I mean. Like, I'm not going to

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<v Speaker 2>go up there and start flashing and black. That's not me.

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<v Speaker 2>But I'm telling you guys right now, whatever industry you're

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<v Speaker 2>trying to do, right, if your credit is messed up,

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<v Speaker 2>don't let your credit being messed up to tear you

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<v Speaker 2>from starting that business. Because I started the business with

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<v Speaker 2>a little bit of credit. And if I'll bankruptcy a year,

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<v Speaker 2>like a year after I quit my job, and for

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<v Speaker 2>five years I had bankrupcy in my credit report, you

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<v Speaker 2>know what I mean. So don't look at things like

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<v Speaker 2>you might have to leave this behind and get back

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<v Speaker 2>to it later, you know what I mean. You know what, guys,

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<v Speaker 2>I would have to leave my family in the back

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<v Speaker 2>burner for a little bit. Not immediate family, but like

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<v Speaker 2>my friends and everybody everybody at the club, pop and

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<v Speaker 2>bottle like guys, truth be told, swear to God all

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<v Speaker 2>my life. My first pair of Jordans that I bought

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<v Speaker 2>was for the Jacob Javic Center seminar. I think that

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<v Speaker 2>was December of twenty nineteen. That was my first pair

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<v Speaker 2>of Jordan's, first pair of air Jordans. And I didn't

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<v Speaker 2>even buy my wife did. I said, what are you doing?

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<v Speaker 2>You crazy? Are you crazy? But yet everybody that I see,

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<v Speaker 2>oh they got Jordans, but they got a five sixty

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<v Speaker 2>credit score. Like I literally was that person that was like,

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<v Speaker 2>I'm not buying any pair of Jordans because I don't

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<v Speaker 2>deserve it. You know what I mean. You're going into

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<v Speaker 2>a relationship, You're going into a marriage, You're going into

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<v Speaker 2>something like it was in the Breakfast Covey to day.

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<v Speaker 2>It was crazy. It was like, if you don't have

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<v Speaker 2>at least twenty five thousand dollars in the bank, you

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<v Speaker 2>shouldn't be with them. You shouldn't. What can you offer?

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<v Speaker 2>It makes sense to a certain extent, you know what

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<v Speaker 2>I mean. But you have to understand, like you are

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<v Speaker 2>are in control of every single Yeah. T. K. Kirkland

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<v Speaker 2>was the one that said it, so you guys can

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<v Speaker 2>check that out. The thing is, guys, you're in control

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<v Speaker 2>of everything in your life. Guys. My mom was the

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<v Speaker 2>one that told me, oh, you're crazy for starting your business.

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<v Speaker 1>You you.

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<v Speaker 2>Have health insurance with the government. What is wrong with you? Right?

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<v Speaker 2>And now we provide one hundred percent health insurance for

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<v Speaker 2>all our employees. You understand what I'm saying. It's like

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<v Speaker 2>I'm paying my momself. Like it's not to brag. I'll

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<v Speaker 2>say that here. I want to say that like on

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<v Speaker 2>instagrammer you too, because the people look at it. I'm

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<v Speaker 2>not bragging, but I'm just letting you know that your

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<v Speaker 2>parents never going to have bad intentions for you. They're

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<v Speaker 2>always going to want to play it safe. You know

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<v Speaker 2>what I mean. When I went to the breakfast club,

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<v Speaker 2>as I mentioned my dad, my dad said, He's like, yeah, man,

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<v Speaker 2>you know, just know that I always knew you were

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<v Speaker 2>going to be great because my blood runs through you,

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<v Speaker 2>and I knew you were going to be great. So

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<v Speaker 2>just don't forget where you got this idea from, because

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<v Speaker 2>if it wasn't for me, you wouldn't be here. Like

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<v Speaker 2>what type of person speaks that way? You didn't see

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<v Speaker 2>what I'm saying? So for me, am I at a

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<v Speaker 2>loss with my dad. I'm a block my dad. I

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<v Speaker 2>don't I don't I let him. I let him hit

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<v Speaker 2>me up. Hit me up, bro, Like, at least, at

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<v Speaker 2>least I know you're alive. That's how I know my

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<v Speaker 2>dad's alive when he hit me up for money. You

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<v Speaker 2>know what I mean? I can take that in soul.

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<v Speaker 3>It can be.

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<v Speaker 2>I'm like, listen, I've got bigger problems. I got a payroll,

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<v Speaker 2>you know what I mean?

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<v Speaker 4>Erners, what's up? You ever walk into a small business

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<v Speaker 4>and everything just works like? The checkout is fast, the

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<v Speaker 4>receipts are digital, tipping is a breeze, and you're out

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<v Speaker 4>the door before the line even builds. Odds are they're

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<v Speaker 4>Don't wait, don't hesitate. Let's Square handle the back end

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<v Speaker 4>so you can keep pushing your vision forward. This episode

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<v Speaker 4>is brought to you by P and C Bank. A

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<v Speaker 4>lot of people think podcasts about work are boring, and sure,

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<v Speaker 4>they definitely can be, but understanding a professionals routine shows

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<v Speaker 4>us how they achieve their success little by little, day

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<v Speaker 4>after day. It's like banking with P and C Bank.

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<v Speaker 4>It might seem boring to save, plan and make calculated

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<v Speaker 4>National Association Member FDIC.

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<v Speaker 1>You just realized your business needed to hire someone yesterday.

0:07:10.920 --> 0:07:15.160
<v Speaker 1>How can you find amazing candidates fast? Easy? Just use

0:07:15.240 --> 0:07:18.480
<v Speaker 1>Indeed stop struggling to get your job posts seen on

0:07:18.600 --> 0:07:22.520
<v Speaker 1>other job sites. With Indeed sponsored jobs, your post jumps

0:07:22.520 --> 0:07:24.840
<v Speaker 1>to the top of the page for your relevant candidates,

0:07:25.080 --> 0:07:28.160
<v Speaker 1>so you can reach the people you want faster. According

0:07:28.160 --> 0:07:31.800
<v Speaker 1>to Indeed data, sponsored jobs posted directly on Indeed have

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<v Speaker 1>forty five percent more applications than non sponsored jobs. Don't

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<v Speaker 1>wait any longer, speed up your hiring right now with Indeed,

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<v Speaker 1>and listeners of this show will get a seventy five

0:07:42.400 --> 0:07:45.560
<v Speaker 1>dollars sponsored job credit to get your jobs more visibility

0:07:45.720 --> 0:07:51.440
<v Speaker 1>at indeed dot com slash pod Katz thirteen. Just go

0:07:51.520 --> 0:07:56.280
<v Speaker 1>to Indeed dot com slash pod Katz thirteen right now

0:07:56.600 --> 0:07:59.200
<v Speaker 1>and support our show by saying you heard about Indeed

0:07:59.200 --> 0:08:03.440
<v Speaker 1>on this podcast, terms and conditions applying hiring indeed is

0:08:03.600 --> 0:08:04.320
<v Speaker 1>all you need.

0:08:04.720 --> 0:08:06.840
<v Speaker 2>I got six figure, seven figure payroll a year that

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<v Speaker 2>I gotta worry about, you know what I mean. So

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<v Speaker 2>I'm not worried about that I woulda get. I'm gonna

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<v Speaker 2>get back to that later when I'm ready. You instead

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<v Speaker 2>what I'm saying. So, guys, twelve years in business, bankruptcy, divorced.

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<v Speaker 2>As far as my parents going through it, abuse, hearing

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<v Speaker 2>about abuse, not paying a bills, not knowing like me

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<v Speaker 2>and my wife, guys used to go to anybody know

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<v Speaker 2>what like write it is because I know there's people

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<v Speaker 2>like in different areas of the country, right aid. Me

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<v Speaker 2>and my wife used to go food shopping at Rite

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<v Speaker 2>aid with care credit because I had no cash in

0:08:43.360 --> 0:08:46.079
<v Speaker 2>the bank. My bank account was negative. I couldn't pull

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<v Speaker 2>money out, so I had to go to Walgreens and

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<v Speaker 2>write aid to use my care credit card to buy bread,

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<v Speaker 2>to buy milk. This is the guys, This is twenty sixteen, seventeen.

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<v Speaker 2>This ain't eight ten years ago. This was but this

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<v Speaker 2>all leads up to the park. Guys. You might have

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<v Speaker 2>to not go to a party. You guys might not

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<v Speaker 2>have to go to a club. You guys might have

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<v Speaker 2>to skip out on two or three years of gifts

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<v Speaker 2>to your family, like I used to buy gifts on

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<v Speaker 2>finger Hut from my family. You know what I mean,

0:09:13.480 --> 0:09:16.360
<v Speaker 2>finger Hut. You know what I mean. So you guys

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<v Speaker 2>might have to go through things in order to get

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<v Speaker 2>to year one. Forget about year twelve. Why you're worrying

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<v Speaker 2>about why you want Why you wanted about retiring your

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<v Speaker 2>mom and your wife and all this, and now you

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<v Speaker 2>can't even retire yourselfiet you know what I mean. You

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<v Speaker 2>see what I'm saying. You're worrying about retiring people and

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<v Speaker 2>having this vision over here when you haven't even let

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<v Speaker 2>go of the people that are preventing you from being great.

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<v Speaker 2>Like my model, guys, is I have Life is good

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<v Speaker 2>on my tax I have. Life is good. I got

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<v Speaker 2>it for a reason, right, Life is good. So remember

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<v Speaker 2>to always be great. Like that's if you think about

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<v Speaker 2>that every day. Life is great? All right? Who cares

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<v Speaker 2>if I got this problem? Life is great, Life is good.

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<v Speaker 2>Be great, Always speak about stuff. You don't need to

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<v Speaker 2>be cocky, you don't need to be conceited. You don't

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<v Speaker 2>need to be that person that's flashy, like I don't

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<v Speaker 2>wear like guys. I have a jewels I don't ever

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<v Speaker 2>wear it. I forget to wear my wedding room Sometimes

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<v Speaker 2>my wife wants to beat me up. I just not

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<v Speaker 2>the type of guy to wear a jewelry. You know

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<v Speaker 2>what I mean? Yeah? Be great. Being great does not

0:10:10.600 --> 0:10:13.240
<v Speaker 2>mean showing that you have more than other people. It

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<v Speaker 2>means being great because you know what you standing in line.

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<v Speaker 2>You might not know.

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<v Speaker 3>That's the mayor of Atlantic City, that's the mayor of

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<v Speaker 3>New York. That's the president of a bank. That is

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<v Speaker 3>the one person you need that's gonna get you through

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<v Speaker 3>the day because you just lost eight thousand clients. I've

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<v Speaker 3>had five five employees where they took two three thousand clients.

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<v Speaker 2>You know what I'm saying. What I'm saying, So, guys,

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<v Speaker 2>if you can do Turo bakery business like, you know,

0:10:38.400 --> 0:10:41.240
<v Speaker 2>remove Turo and Airbnb because obviously a lot of people

0:10:41.280 --> 0:10:43.080
<v Speaker 2>think that Turo and Airbnb are one of the only

0:10:43.080 --> 0:10:45.280
<v Speaker 2>ways that can really make money. I have a personal

0:10:45.320 --> 0:10:47.440
<v Speaker 2>friend of mine, I grew up with her. Guys, she

0:10:47.559 --> 0:10:50.560
<v Speaker 2>owns a bakery company. Look her up Pretty Pops by

0:10:50.640 --> 0:10:53.400
<v Speaker 2>Jackie on Instagram. She left for nine to five. She

0:10:53.480 --> 0:10:57.240
<v Speaker 2>has three kids, and she has an amazing bakery business.

0:10:57.559 --> 0:10:59.839
<v Speaker 2>She was one of my first clients. She's getting approof

0:10:59.880 --> 0:11:01.880
<v Speaker 2>of credit left them right. She's like, oh my god,

0:11:01.920 --> 0:11:04.240
<v Speaker 2>I can't believe it. She started like a few years

0:11:04.280 --> 0:11:06.200
<v Speaker 2>after me, and she's like, I'm so glad I didn't

0:11:06.240 --> 0:11:09.360
<v Speaker 2>give up. I'm so glad you told me to stay,

0:11:09.480 --> 0:11:12.920
<v Speaker 2>tried to stand, you know. And now she's she's booked

0:11:12.920 --> 0:11:16.120
<v Speaker 2>out until April. It's February. She's booked out until April

0:11:16.160 --> 0:11:20.920
<v Speaker 2>with orders for for like what is it, the March,

0:11:21.000 --> 0:11:24.360
<v Speaker 2>marchild baby, Saint Patrick's Day, Valentine's Day, you know what

0:11:24.360 --> 0:11:27.280
<v Speaker 2>I mean? Like Easter, your Easter too, Like she's booked out,

0:11:27.559 --> 0:11:29.959
<v Speaker 2>but she didn't quit. A lot of people would have said, man,

0:11:30.000 --> 0:11:31.920
<v Speaker 2>this is hard. You know what, I'm just gonna give

0:11:32.000 --> 0:11:34.120
<v Speaker 2>up and go back. Like, guys, you I would be

0:11:34.160 --> 0:11:37.080
<v Speaker 2>the worst. I would be your worst employee. And that's

0:11:37.120 --> 0:11:38.600
<v Speaker 2>what you got. And that's what I'm before I get

0:11:38.600 --> 0:11:41.439
<v Speaker 2>into my speech today. And you you have to make

0:11:41.480 --> 0:11:43.480
<v Speaker 2>it to where you would be the worst employee for

0:11:43.520 --> 0:11:47.080
<v Speaker 2>a company, right, you have to make yourself unemployable. You

0:11:47.160 --> 0:11:50.240
<v Speaker 2>gotta work the fifteen sixteen seventeen eighteen hours a day.

0:11:50.600 --> 0:11:52.160
<v Speaker 2>An employer's even be like, yoh man, you're working too

0:11:52.200 --> 0:11:53.880
<v Speaker 2>much overtime. I gotta let you go. You're costing me

0:11:53.880 --> 0:11:56.360
<v Speaker 2>too much money. But make that yourself. You know what

0:11:56.400 --> 0:12:00.480
<v Speaker 2>I mean. I would rather work eighty nineties dred hours

0:12:00.480 --> 0:12:02.520
<v Speaker 2>a week than to work for the government. Again. I

0:12:02.559 --> 0:12:03.959
<v Speaker 2>know what it's like being ONNED. I know what it's

0:12:04.000 --> 0:12:05.719
<v Speaker 2>like being in prison. I know what it's like being

0:12:05.720 --> 0:12:07.480
<v Speaker 2>on by the military, and I know what it's like

0:12:07.559 --> 0:12:09.559
<v Speaker 2>being on by the government. Because it's two different things,

0:12:09.600 --> 0:12:10.800
<v Speaker 2>you know. I mean, you have the military, yet that

0:12:10.960 --> 0:12:12.720
<v Speaker 2>I used to work for the government as well. You

0:12:12.800 --> 0:12:15.880
<v Speaker 2>have to realize, guys, get yourself to a point where

0:12:15.920 --> 0:12:18.480
<v Speaker 2>you are unemployable, and that is how you know you

0:12:18.520 --> 0:12:20.960
<v Speaker 2>will never fail at what you do.

0:12:21.000 --> 0:12:24.880
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