WEBVTT - Cliff Notes: House Hacking & Credit Hacks with Angela Yee

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<v Speaker 3>other side. Earners, what's going on? You are now?

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<v Speaker 2>The cliff Notes the number one place for investment strategies,

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<v Speaker 2>tips and advice. Make sure you have your note pads ready,

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<v Speaker 2>but more importantly, make sure you're ready to execute on

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<v Speaker 2>the information.

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<v Speaker 6>I think the best thing to do is to have

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<v Speaker 6>a goal, right, like buying a house. To me, I'm

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<v Speaker 6>living in this house and it's a two family house,

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<v Speaker 6>so that pays half my mortgage, you know, and my

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<v Speaker 6>mortgage is less than what my rent would be for

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<v Speaker 6>something this side. Three bedrooms, you know, two and a

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<v Speaker 6>half bathrooms, a full backyard brownstone. And so I think

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<v Speaker 6>what you have to do is think of what a

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<v Speaker 6>smart investment is to you. And if you're living here,

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<v Speaker 6>you would have been paying rent somewhere else, and so

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<v Speaker 6>to me, that's money you would have been spending anyway.

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<v Speaker 6>And so the two family house or a three family house,

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<v Speaker 6>if I would have had a three family house, it

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<v Speaker 6>would have probably paid the home mortgage. It was just

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<v Speaker 6>coming up with that down payment. And so that's why

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<v Speaker 6>I'm a big fan of having a goal of financially

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<v Speaker 6>Every month, I have a goal of how much I

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<v Speaker 6>want in my account for the next move I'm about

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<v Speaker 6>to make. So I go really hard to reach it.

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<v Speaker 6>And I've been doing really good at that, and so

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<v Speaker 6>it helps me. Not because I used to be such

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<v Speaker 6>a spend I used to love to shop, like I

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<v Speaker 6>would be at the mall literally every week, you know,

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<v Speaker 6>what can I buy? What can I get? But when

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<v Speaker 6>you have goals like that, it makes you realize how

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<v Speaker 6>unimportant that can be and not that you can't treat yourself,

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<v Speaker 6>but it'll be like, Okay, I've hit this goal, I

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<v Speaker 6>made this money. I have an extra fifteen hundred dollars.

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<v Speaker 6>What am I going to do with it? You know,

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<v Speaker 6>let me do something nice for myself. But I really

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<v Speaker 6>do things, like I'm really big on using points. I

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<v Speaker 6>use my MX cards for everything, and like, even I

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<v Speaker 6>have a new house in Brooklyn that I'm renovating, I'm

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<v Speaker 6>putting everything on my MX car so I can get

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<v Speaker 6>those points and then I'll be buying furniture with the

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<v Speaker 6>points that I got from using my MX card. You know,

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<v Speaker 6>when I travel, I always fly on Delta because I

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<v Speaker 6>have so many free flights now that I can use,

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<v Speaker 6>and I get upgraded all the time because of my

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<v Speaker 6>status on there.

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<v Speaker 7>So I just try to do things that I know

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<v Speaker 7>makes sense for me.

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<v Speaker 5>That's something that's extremely important.

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<v Speaker 2>Shot to the Hipop hundred Style has like.

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<v Speaker 4>And all this stuff, but he was like, he's not

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<v Speaker 4>buying all this design and stuff. He spends one hundred

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<v Speaker 4>thousand dollars a month on Facebook ads and on his

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<v Speaker 4>AMEX cards and he gets like seven thousand dollars reward

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<v Speaker 4>points back so that seven thousand dollars reward points.

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<v Speaker 5>He just goes to Nemen markets and just goes crazy.

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<v Speaker 3>I got my first.

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<v Speaker 7>Lily bag and my first and bag with points on

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<v Speaker 7>my MX car.

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<v Speaker 5>As though that's a gym in itself, Well it is that.

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<v Speaker 4>Well we got to save that one in that's that's separate.

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<v Speaker 4>That's a different one. But Angela, that's something that's extremely important.

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<v Speaker 4>As far as house hacking. I don't want people to

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<v Speaker 4>breeze over that because shout out to MPT the mortgage guy.

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<v Speaker 4>We talked to him and he always talks about house hacking.

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<v Speaker 4>House hacking is like when you live like what she's doing.

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<v Speaker 4>She's a two family home, you live on one unit,

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<v Speaker 4>you you rent out the other unit, or three family

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<v Speaker 4>or four family whatever. So I think it says a

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<v Speaker 4>lot when somebody she's famous and she's humble enough to

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<v Speaker 4>living in a two family home renting out the other

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<v Speaker 4>part because she under stands that it makes economic sense

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<v Speaker 4>a lot of us, Like some people are struggling day

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<v Speaker 4>to day and they got too much.

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<v Speaker 5>Prize somebody else right right, like what I'm saying. So

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<v Speaker 5>it's like I don't want that to get missed in

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<v Speaker 5>this conversation.

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<v Speaker 2>Let alone, you couldn't walk in the property before she

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<v Speaker 2>had it.

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<v Speaker 7>Yeah, I can't even see it.

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<v Speaker 5>That's that's a lot to think about.

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<v Speaker 4>People think about it, like I said, she has to

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<v Speaker 4>do that, but she understands the importance of it.

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<v Speaker 5>And it's like, why not.

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<v Speaker 3>Can we talk about balance?

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<v Speaker 2>Me? We go back and forth all the time about balance.

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<v Speaker 2>He likes to have life unbalanced, just how he operates.

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<v Speaker 2>I like to have balance. I'm listening to you. You're

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<v Speaker 2>waking up at four am. Most people can't do that.

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<v Speaker 2>That's dedication, right, your Hall of Fame radio career. Right,

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<v Speaker 2>you have the real estate portfolio, you got the juice bars.

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<v Speaker 2>You just said, you got the coffee shop. People forget that.

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<v Speaker 3>You actually have a very successful podcast, right lip service.

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<v Speaker 3>By the way, we came to your live show.

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<v Speaker 5>We did come to.

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<v Speaker 3>Great show. Davies was there eighty five hours? All brothers

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<v Speaker 3>were there.

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<v Speaker 5>Yeah.

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<v Speaker 3>What does balance look like for you? Erners? What's up?

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<v Speaker 3>You ever walk into a small.

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<v Speaker 2>Business and everything just works like the checkout is fast,

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<v Speaker 2>the receipts are digital, tipping is a breeze, and you're

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<v Speaker 2>out the door before the line even builds odds are

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<v Speaker 2>they're using Square. We love supporting businesses that run on

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<v Speaker 2>even one of our merch partners, Square makes it easy

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<v Speaker 2>business with confidence, all from one simple system. If you're

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<v Speaker 2>the back end so you can keep pushing your vision forward.

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<v Speaker 2>This episode is brought to you by P and C Bank.

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<v Speaker 2>A lot of people think podcasts about work are boring,

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<v Speaker 2>and sure, they definitely can be, but understanding of professionals

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

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<v Speaker 1>all you need.

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<v Speaker 6>Oh and the last thing I want to say is

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<v Speaker 6>I did open a store in Detroit, also a herestore,

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<v Speaker 6>a private label, and I can't forget that.

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<v Speaker 7>I just open it in January.

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<v Speaker 8>And go support it.

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<v Speaker 7>Yeah, it's all thank you. It's like Emil and the

0:09:06.559 --> 0:09:08.000
<v Speaker 7>Quinn every baby, come see.

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<v Speaker 5>Us heavy in Detroit.

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<v Speaker 3>Yeah, listen. How do you manage this? All? So?

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<v Speaker 6>Balance for me is like like I've been working all

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<v Speaker 6>day today. I know I have things that I have

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<v Speaker 6>to do. But what I try to do is I

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<v Speaker 6>always try to have one day out of the week

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<v Speaker 6>during the week that I don't have a lot to do.

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<v Speaker 6>So on that one day, I might have like a

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<v Speaker 6>couple of really light things and that's when I handle

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<v Speaker 6>stuff I need to handle for myself. And then on

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<v Speaker 6>the weekend I try to make sure one of those

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<v Speaker 6>two days is not super busy for me. Also because

0:09:36.480 --> 0:09:38.200
<v Speaker 6>it is important to take a break, Like I try

0:09:38.240 --> 0:09:39.760
<v Speaker 6>to make sure I get enough sleep. If I know

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<v Speaker 6>I've been up working, I make sure like I'm going

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<v Speaker 6>to bed at nine o'clock on you know, Thursday night,

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<v Speaker 6>because I plan it, like I plan everything. My schedule

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<v Speaker 6>is just super rigid and organized, like down to the minute,

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<v Speaker 6>and so you know, that's it. And then a lot

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<v Speaker 6>of times I try to mix business with pleasure as

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<v Speaker 6>far as if I know I had some things to do,

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<v Speaker 6>and you know, before there was a pin pandemic, but

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<v Speaker 6>if I know I had somewhere to be, I'll invite

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<v Speaker 6>some of my friends to come with me because I

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<v Speaker 6>know they'll have a good time. For me, it might

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<v Speaker 6>be work, but for a lot of them it's fun.

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<v Speaker 6>And so that makes work fun for me when I

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<v Speaker 6>have people that are fun around me.

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<v Speaker 5>There you have it.

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<v Speaker 3>It sounds like, offer to achieve over the next five

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<v Speaker 3>years and how can we help?

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<v Speaker 7>You said, what, what's.

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<v Speaker 4>The biggest goal you're trying to achieve over the last

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<v Speaker 4>five years, and how can we help?

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<v Speaker 6>So my biggest goal is for these businesses that I started,

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<v Speaker 6>I want them to be right now. I'm in an

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<v Speaker 6>investment stage of everything, I feel like, you know, except

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<v Speaker 6>for the juice bar, which has been open for a

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<v Speaker 6>few years now, but like with the hair store, I

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<v Speaker 6>need that to you know, start making money. And I

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<v Speaker 6>mean it makes money now, but I need to get

0:10:48.400 --> 0:10:51.200
<v Speaker 6>the return on my investment for the coffee company. The

0:10:51.240 --> 0:10:53.040
<v Speaker 6>goal for the coffee company is for me to be

0:10:53.120 --> 0:10:55.360
<v Speaker 6>able to be in stores, and I have all these

0:10:55.360 --> 0:10:58.400
<v Speaker 6>meetings with different supermarket chains coming up for that and

0:10:58.440 --> 0:11:00.640
<v Speaker 6>for the Press Juice Company, and so I want to

0:11:00.679 --> 0:11:05.080
<v Speaker 6>make sure that those businesses are you know, huge multi

0:11:05.080 --> 0:11:08.080
<v Speaker 6>million dollars one hundred million dollar businesses, and that's the

0:11:08.120 --> 0:11:11.120
<v Speaker 6>goal for those. And then I'm going to franchise the

0:11:11.200 --> 0:11:13.520
<v Speaker 6>coffee shops, and so I'm building it out so that

0:11:13.559 --> 0:11:17.040
<v Speaker 6>it'll be franchisable so that other people can open their own.

0:11:17.440 --> 0:11:19.760
<v Speaker 6>And we're doing our whole education program when it comes

0:11:19.760 --> 0:11:21.720
<v Speaker 6>to coffee, because there's a lot in the coffee business

0:11:21.760 --> 0:11:22.679
<v Speaker 6>that people don't know about.

0:11:22.880 --> 0:11:25.720
<v Speaker 7>And every business that I do, I try to make.

0:11:25.600 --> 0:11:28.720
<v Speaker 6>Sure that I'm always educating myself on it and taking

0:11:28.760 --> 0:11:32.640
<v Speaker 6>classes and like learning everything so that I become somewhat

0:11:32.640 --> 0:11:34.520
<v Speaker 6>of an expert on it, because I think it's the

0:11:34.520 --> 0:11:36.080
<v Speaker 6>worst thing if you open the business and don't know

0:11:36.120 --> 0:11:37.839
<v Speaker 6>anything about the business that you open.

0:11:39.720 --> 0:11:42.319
<v Speaker 4>That's a gym. That is a gym. Moddies and gentlemen,

0:11:43.320 --> 0:11:47.520
<v Speaker 4>are we gonna take the question, Yeah, how we doing

0:11:47.520 --> 0:11:48.920
<v Speaker 4>with time? And they gotta get up early. You got

0:11:48.920 --> 0:11:49.680
<v Speaker 4>a couple more minutes.

0:11:50.000 --> 0:11:51.480
<v Speaker 7>Yeah, I'm fine.

0:11:51.720 --> 0:11:53.160
<v Speaker 3>Can we try like an ask you segment?

0:11:53.240 --> 0:11:53.840
<v Speaker 5>Yeah, let's do it.

0:11:53.920 --> 0:11:56.480
<v Speaker 3>Let's do it. I think he's familiar with that.

0:11:56.559 --> 0:11:56.959
<v Speaker 5>Let's do it.

0:11:57.000 --> 0:11:58.520
<v Speaker 3>All right, let's go Drew ground.

0:11:58.720 --> 0:12:00.760
<v Speaker 5>We're not getting we're not getting really avice.

0:12:00.600 --> 0:12:06.360
<v Speaker 3>No relationship advice, be respectful. Uh, dree yourself. He's been

0:12:06.440 --> 0:12:07.360
<v Speaker 3>up here. That's going on.

0:12:07.679 --> 0:12:12.680
<v Speaker 8>How's it going, y'all? My question actually for for you guys,

0:12:12.720 --> 0:12:16.280
<v Speaker 8>it was about opening up the roth So I just

0:12:16.360 --> 0:12:18.200
<v Speaker 8>had my brother open up a rock. But when I

0:12:18.240 --> 0:12:21.800
<v Speaker 8>was looking up roth a count's on Investipedia, it was

0:12:21.800 --> 0:12:25.520
<v Speaker 8>saying that it has to be earned income and he

0:12:25.559 --> 0:12:27.800
<v Speaker 8>doesn't work a job and he never has, so, like,

0:12:28.000 --> 0:12:31.479
<v Speaker 8>is he able to open up that roth a count?

0:12:31.720 --> 0:12:33.520
<v Speaker 5>How old is he?

0:12:33.520 --> 0:12:34.280
<v Speaker 3>He's nineteen?

0:12:36.360 --> 0:12:37.800
<v Speaker 4>I mean, yeah, they're not really gonna check it like that.

0:12:37.920 --> 0:12:40.000
<v Speaker 4>It's really for the miners, I mean, but yeah, it's

0:12:40.000 --> 0:12:41.920
<v Speaker 4>supposed to be. Like I mean, but how is he

0:12:41.920 --> 0:12:43.400
<v Speaker 4>gonna put money if he never if he never had,

0:12:43.520 --> 0:12:46.040
<v Speaker 4>if he doesn't work, you're gonna put money in for him?

0:12:46.880 --> 0:12:48.720
<v Speaker 8>Well, he has a he has a banker, he has

0:12:48.760 --> 0:12:51.360
<v Speaker 8>like a savings account with some money that he's made

0:12:51.400 --> 0:12:53.679
<v Speaker 8>throughout his life, and we were just gonna move that

0:12:53.760 --> 0:12:54.600
<v Speaker 8>money into his RYE.

0:12:55.480 --> 0:12:58.640
<v Speaker 4>Yeah, I mean to give your because every the bigger

0:12:58.679 --> 0:13:01.559
<v Speaker 4>we get a lot of people. The technical police are

0:13:01.559 --> 0:13:03.640
<v Speaker 4>coming down on us at an alarming rate. I put

0:13:03.679 --> 0:13:06.680
<v Speaker 4>a poster Cazar and they're like, that's tax fraud. He's

0:13:06.720 --> 0:13:11.559
<v Speaker 4>gonna put you in jail. So pay your taxes. Yes, yes,

0:13:12.040 --> 0:13:14.240
<v Speaker 4>it has to be earned income that you received. So

0:13:14.960 --> 0:13:17.000
<v Speaker 4>I'm gonna give you the technical answer on this, and

0:13:17.400 --> 0:13:19.839
<v Speaker 4>you can tell him that once he starts working, then

0:13:19.880 --> 0:13:22.079
<v Speaker 4>he can start putting money into his retirement account.

0:13:22.280 --> 0:13:24.520
<v Speaker 2>To hear a more extended conversation, make sure to check

0:13:24.520 --> 0:13:27.800
<v Speaker 2>out our live YouTube show Market Mondays every Monday, eight

0:13:27.840 --> 0:13:31.160
<v Speaker 2>pm Easter Standard Time, seven pm Central, and check out

0:13:31.200 --> 0:13:34.840
<v Speaker 2>the Market Monday's podcast on iHeart, Spotify, Apple or wherever

0:13:34.880 --> 0:13:36.000
<v Speaker 2>you download your podcast.

0:13:36.040 --> 0:13:42.040
<v Speaker 9>Now my graduates from my school being false back and

0:13:42.120 --> 0:13:46.680
<v Speaker 9>drop drop Mike, drop drop drop.

0:14:00.960 --> 0:14:04.000
<v Speaker 6>Hey, everyone, this is Tatiana Manning, host of Real Talk

0:14:04.040 --> 0:14:07.560
<v Speaker 6>with PGNI. We know small businesses are dealing with rising

0:14:07.600 --> 0:14:10.000
<v Speaker 6>costs and looking for ways to boost their bottom line.

0:14:10.240 --> 0:14:12.720
<v Speaker 6>That's why we're doing the show to help customers save

0:14:12.760 --> 0:14:15.400
<v Speaker 6>with simple and easy to do steps by making sure

0:14:15.520 --> 0:14:17.959
<v Speaker 6>they're on the most optimal rate for their business.

0:14:18.280 --> 0:14:20.840
<v Speaker 8>So check us out on pg dot com, Ford Slash,

0:14:20.920 --> 0:14:23.080
<v Speaker 8>real Talk, and all other streaming platforms.