1 00:00:03,640 --> 00:00:05,280 Speaker 1: What's up his way up with Angela Yee. 2 00:00:05,280 --> 00:00:08,160 Speaker 2: I'm Angela Ye and my Wealth Wednesday partner Stacey Tisdale 3 00:00:08,200 --> 00:00:08,479 Speaker 2: is here. 4 00:00:08,640 --> 00:00:11,719 Speaker 3: Happy Wealth Wednesdays everybody, and we are taking you way 5 00:00:11,840 --> 00:00:15,920 Speaker 3: up this financial Literacy Month. We're going to educate entrepreneurs 6 00:00:15,960 --> 00:00:19,360 Speaker 3: out there on how to get money from their business 7 00:00:19,440 --> 00:00:24,040 Speaker 3: and unexpected ways because we have the Haitian CEO. 8 00:00:24,480 --> 00:00:27,040 Speaker 4: Hello, Stacey, thank you for having me. 9 00:00:27,160 --> 00:00:27,600 Speaker 1: Angela. 10 00:00:27,640 --> 00:00:29,400 Speaker 4: I appreciate you, guys, I really appreciate it. 11 00:00:29,560 --> 00:00:32,040 Speaker 1: Herman that's my uncle's name, by the way, so my 12 00:00:32,080 --> 00:00:33,120 Speaker 1: youngest uncle, yeah. 13 00:00:33,040 --> 00:00:37,320 Speaker 3: Good, Yes, his real name is Hermann Dulce. He goes 14 00:00:37,360 --> 00:00:41,440 Speaker 3: by the Haitian Ceo. He's an incredible entrepreneur who has 15 00:00:41,479 --> 00:00:44,599 Speaker 3: taught entrepreneurs how to get money for their business. And 16 00:00:44,600 --> 00:00:47,479 Speaker 3: that's that's the only reason we have you here, so 17 00:00:47,520 --> 00:00:47,880 Speaker 3: we are. 18 00:00:47,800 --> 00:00:50,120 Speaker 2: Not It's something I just had to go to deal 19 00:00:50,200 --> 00:00:52,279 Speaker 2: with too, because a lot of times your booststapping your 20 00:00:52,280 --> 00:00:55,400 Speaker 2: business out of your own pocket sometimes, you know, when 21 00:00:55,400 --> 00:00:57,480 Speaker 2: it comes to loans. I mean it was a whole 22 00:00:57,480 --> 00:01:00,560 Speaker 2: process for us, but you know, even figuring out how 23 00:01:00,600 --> 00:01:02,480 Speaker 2: to make sure you get credit cards, making sure that 24 00:01:02,480 --> 00:01:04,200 Speaker 2: you can pay your bills on time. Sometimes you don't 25 00:01:04,240 --> 00:01:06,120 Speaker 2: have the cash on hand right to be able to 26 00:01:06,120 --> 00:01:09,040 Speaker 2: handle things. So I know for you, you helped a lot 27 00:01:09,120 --> 00:01:11,160 Speaker 2: of your friends when you first got started. 28 00:01:11,240 --> 00:01:13,160 Speaker 4: Yeah. When I first got into game, one of my 29 00:01:13,200 --> 00:01:16,320 Speaker 4: tag lines is success has receipts. So before I went 30 00:01:16,360 --> 00:01:18,080 Speaker 4: out and went on social media, I had to have 31 00:01:18,120 --> 00:01:20,160 Speaker 4: proof of concept. So I went to my friends and 32 00:01:20,200 --> 00:01:22,000 Speaker 4: family first and I was like, hey, you got good credit, 33 00:01:22,120 --> 00:01:23,960 Speaker 4: let me help you get these credit cards in your 34 00:01:24,000 --> 00:01:26,560 Speaker 4: business name. They was like in my business name. I 35 00:01:26,600 --> 00:01:28,480 Speaker 4: was like, yeah, well, let me start an LLC up 36 00:01:28,520 --> 00:01:30,800 Speaker 4: for you first, and then I helped them get a 37 00:01:30,880 --> 00:01:33,280 Speaker 4: proof because they had pretty good credit profiles. And then 38 00:01:33,280 --> 00:01:35,399 Speaker 4: I was able to share that on social media, the 39 00:01:35,440 --> 00:01:38,280 Speaker 4: proof of concept, show those receipts, and then I was 40 00:01:38,319 --> 00:01:41,399 Speaker 4: trusted to be an expert in the space. And that 41 00:01:41,520 --> 00:01:43,760 Speaker 4: was seven years ago and it's been an interesting ride. 42 00:01:44,400 --> 00:01:47,760 Speaker 5: That's what Herman does. He helps people use their leverage, 43 00:01:47,800 --> 00:01:48,360 Speaker 5: their credit. 44 00:01:49,600 --> 00:01:51,160 Speaker 1: And you have to have good money, you have to 45 00:01:51,200 --> 00:01:52,520 Speaker 1: have good personal credit. 46 00:01:52,720 --> 00:01:53,600 Speaker 5: Yeah, talk about that. 47 00:01:53,760 --> 00:01:53,920 Speaker 2: Love. 48 00:01:53,960 --> 00:01:56,680 Speaker 1: That's why credit is so important, right, correct. 49 00:01:56,400 --> 00:01:59,360 Speaker 4: Right, So when people come to me and it's like, hey, 50 00:01:59,360 --> 00:02:01,280 Speaker 4: I want to get money in my business name, right 51 00:02:01,320 --> 00:02:04,320 Speaker 4: because business credit cards. Those business ows are lines of credit. 52 00:02:04,560 --> 00:02:06,000 Speaker 4: Of course, you know, they don't show up on your 53 00:02:06,000 --> 00:02:07,920 Speaker 4: personal side. So you can max out the cards for 54 00:02:07,960 --> 00:02:10,480 Speaker 4: your business deals and you're in the ballgame. But in 55 00:02:10,560 --> 00:02:12,919 Speaker 4: order to do that, the banks are going to look 56 00:02:12,919 --> 00:02:15,640 Speaker 4: at your personal credit first. Because the banks they know 57 00:02:15,760 --> 00:02:19,639 Speaker 4: Herman Dulci, right, they don't know my business Bellastone Enterprises. 58 00:02:19,720 --> 00:02:22,839 Speaker 4: So I have to vouch for my business. So I'm like, nah, 59 00:02:22,840 --> 00:02:24,280 Speaker 4: he's good. They can be like, all right, you vouching 60 00:02:24,360 --> 00:02:27,200 Speaker 4: for this person. You're valued for this business absolutely, So 61 00:02:27,240 --> 00:02:28,880 Speaker 4: they look at my credit. There's like if you're good 62 00:02:28,880 --> 00:02:30,680 Speaker 4: with your credit, then you're definitely going to be good 63 00:02:30,720 --> 00:02:33,040 Speaker 4: with your business's credit and you get way more money 64 00:02:33,040 --> 00:02:34,480 Speaker 4: on the business side. So this is why it's my 65 00:02:34,520 --> 00:02:37,360 Speaker 4: passion when people are starting up their businesses go this 66 00:02:37,400 --> 00:02:39,760 Speaker 4: way first to get the capital rights. 67 00:02:40,080 --> 00:02:42,120 Speaker 2: Sometimes if you can't take that a loan right away, 68 00:02:42,200 --> 00:02:44,200 Speaker 2: because sometimes you need to have like a certain amount 69 00:02:44,200 --> 00:02:48,840 Speaker 2: of history correct right to have say your business operating 70 00:02:48,840 --> 00:02:50,320 Speaker 2: for two years, or you have to have made a 71 00:02:50,360 --> 00:02:52,320 Speaker 2: certain amount of money. But being able to get a 72 00:02:52,320 --> 00:02:55,200 Speaker 2: credit card is kind of like also being able to 73 00:02:55,200 --> 00:02:56,760 Speaker 2: get a loan, but it's a you know, you can 74 00:02:56,880 --> 00:02:59,280 Speaker 2: use your personal credit against that, which is a valuable 75 00:02:59,320 --> 00:03:02,600 Speaker 2: thing because there is nothing more stressful than when you're 76 00:03:02,600 --> 00:03:05,079 Speaker 2: a business owner and you owe money to a lot 77 00:03:05,080 --> 00:03:07,320 Speaker 2: of people. And maybe sometimes it's bringing in goods that 78 00:03:07,360 --> 00:03:09,440 Speaker 2: you can't get because you haven't paid on these yet, 79 00:03:09,440 --> 00:03:10,760 Speaker 2: but you don't have the money to pay because you're 80 00:03:10,760 --> 00:03:12,880 Speaker 2: waiting for this person to pay you. There's a lot 81 00:03:12,919 --> 00:03:15,640 Speaker 2: that goes into running a business and money coming in 82 00:03:15,680 --> 00:03:18,000 Speaker 2: and going out in a timely fashion, right right, right. 83 00:03:18,320 --> 00:03:21,280 Speaker 4: My best example that I say with is is I 84 00:03:21,320 --> 00:03:25,560 Speaker 4: want to talk about this also is having different type 85 00:03:25,560 --> 00:03:27,760 Speaker 4: of business partners. I call my business credit cards my 86 00:03:27,760 --> 00:03:31,000 Speaker 4: business partners. The first business partner anyone should have is 87 00:03:31,040 --> 00:03:34,360 Speaker 4: their job. Okay, so before you go barring other people's 88 00:03:34,360 --> 00:03:37,000 Speaker 4: money and messing up the bag, have proof of concept first. 89 00:03:37,320 --> 00:03:41,960 Speaker 4: So my guy Storm Leroy, he was one of my mentors. 90 00:03:41,960 --> 00:03:42,560 Speaker 5: That's my guy. 91 00:03:43,160 --> 00:03:45,080 Speaker 4: And when he said it, I was like, Yo, he's 92 00:03:45,120 --> 00:03:47,520 Speaker 4: absolutely right. So the savings that I got after I 93 00:03:47,560 --> 00:03:49,560 Speaker 4: paid my bills for my job, that's the money I 94 00:03:49,640 --> 00:03:52,600 Speaker 4: invested into my business first and it worked. Now I'm 95 00:03:52,640 --> 00:03:54,800 Speaker 4: able to put gasoline on a proof of concept, and 96 00:03:54,800 --> 00:03:57,000 Speaker 4: that's when I go to my second business partners, which 97 00:03:57,040 --> 00:04:00,320 Speaker 4: our American Express, Chase, etc. And then when your business up, 98 00:04:00,360 --> 00:04:02,040 Speaker 4: you go to venture capitalists and you ask them for 99 00:04:02,160 --> 00:04:04,040 Speaker 4: money too. So this level to the games. 100 00:04:04,640 --> 00:04:05,240 Speaker 1: Like that, it's. 101 00:04:05,160 --> 00:04:05,880 Speaker 4: Level the game. 102 00:04:06,440 --> 00:04:09,000 Speaker 3: Some people can't get their head around this personal credit 103 00:04:09,040 --> 00:04:12,920 Speaker 3: business credit because so many, particularly in our community, entrepreneurs 104 00:04:12,960 --> 00:04:14,040 Speaker 3: bootstrap right. 105 00:04:14,240 --> 00:04:16,120 Speaker 5: So talk about the difference. 106 00:04:16,120 --> 00:04:18,600 Speaker 3: And I remember in a conversation we had so many 107 00:04:18,640 --> 00:04:21,839 Speaker 3: people don't realize that when you get your business to 108 00:04:21,839 --> 00:04:24,000 Speaker 3: a point where you can get business credit cards and stuff, 109 00:04:24,080 --> 00:04:25,920 Speaker 3: it doesn't affect your personal credit. 110 00:04:26,080 --> 00:04:28,000 Speaker 4: Correct, It doesn't affort you. So I'll give you a 111 00:04:28,000 --> 00:04:30,520 Speaker 4: good story with that. So when I first started my 112 00:04:30,640 --> 00:04:33,120 Speaker 4: entrepreneurial journey, I got into real estate, like everybody does. 113 00:04:33,360 --> 00:04:35,159 Speaker 4: We watched a couple we watched a couple of HTV 114 00:04:35,520 --> 00:04:38,719 Speaker 4: state right right here, I know, we watched a couple 115 00:04:38,720 --> 00:04:39,480 Speaker 4: of TV shows. 116 00:04:40,520 --> 00:04:41,279 Speaker 1: We watched a couple of. 117 00:04:41,240 --> 00:04:43,040 Speaker 4: TV shows and we're like, yeah, I know what I'm doing. 118 00:04:43,160 --> 00:04:46,760 Speaker 4: So I paid for everything with credit cards. So contractors 119 00:04:46,800 --> 00:04:49,599 Speaker 4: materials forty thousand dollars in credit card debt. And what 120 00:04:49,600 --> 00:04:51,880 Speaker 4: happens when you max out your personal credit cards? Your 121 00:04:51,920 --> 00:04:52,760 Speaker 4: credit score test. 122 00:04:52,880 --> 00:04:53,320 Speaker 1: It does. 123 00:04:53,560 --> 00:04:55,040 Speaker 4: So when it was time for me to cash out 124 00:04:55,080 --> 00:04:57,520 Speaker 4: REFI to take money out the deal. I couldn't, so 125 00:04:57,600 --> 00:04:59,520 Speaker 4: I ended up have to rent it out for two 126 00:04:59,640 --> 00:05:02,080 Speaker 4: years before I can recoup my money back. Because I 127 00:05:02,080 --> 00:05:04,280 Speaker 4: didn't have a mentor and I was an educator. It 128 00:05:04,320 --> 00:05:07,080 Speaker 4: was an expensive lesson, but it was tuition. But now 129 00:05:07,080 --> 00:05:09,440 Speaker 4: that I'm smarter, whenever I get into real estate deals, 130 00:05:09,600 --> 00:05:12,280 Speaker 4: I use my business credit cards. I can maximount do 131 00:05:12,320 --> 00:05:14,240 Speaker 4: what I need to do and it's not going to 132 00:05:14,320 --> 00:05:16,359 Speaker 4: hurt my personal I'm still in the eight hundred club 133 00:05:16,640 --> 00:05:18,520 Speaker 4: cash our refine and I'm onto the next one. 134 00:05:18,640 --> 00:05:19,760 Speaker 2: And you know what, I noticed that a lot of 135 00:05:19,760 --> 00:05:22,240 Speaker 2: credit cards are doing now too. They're letting you take 136 00:05:22,240 --> 00:05:24,799 Speaker 2: out a line of credit, yes you know as well, 137 00:05:24,880 --> 00:05:27,520 Speaker 2: and also you know, like an AMEX card. 138 00:05:27,560 --> 00:05:28,920 Speaker 1: Before you have to pay the whole thing off. 139 00:05:28,960 --> 00:05:31,640 Speaker 2: Now they're letting you pay and installment and installment, And 140 00:05:31,680 --> 00:05:34,520 Speaker 2: a lot of people are doing this, like these installment 141 00:05:34,560 --> 00:05:36,960 Speaker 2: plans as far as credit cards, so you don't have 142 00:05:37,000 --> 00:05:38,520 Speaker 2: to pay the whole thing off at once, and maybe 143 00:05:38,560 --> 00:05:42,120 Speaker 2: you pay like a small percentage of interest, but now 144 00:05:42,160 --> 00:05:43,599 Speaker 2: you're not having to pay the full thing. 145 00:05:43,960 --> 00:05:45,600 Speaker 1: I feel like that's fairly newer. 146 00:05:45,800 --> 00:05:48,640 Speaker 3: It is because they seem to really be embracing the 147 00:05:48,720 --> 00:05:49,800 Speaker 3: new entrepreneurial, the. 148 00:05:49,920 --> 00:05:52,960 Speaker 4: Entrepreneurs space, especially right because they're a charge card and 149 00:05:53,000 --> 00:05:56,159 Speaker 4: that's my favorite shout out to American Espress. Hopefully one 150 00:05:56,240 --> 00:05:57,360 Speaker 4: day you know what I'm saying, y'all take. 151 00:05:57,279 --> 00:05:57,560 Speaker 3: Care of me. 152 00:05:57,680 --> 00:06:01,840 Speaker 4: But I love I love American Express. My wonderful CEO 153 00:06:01,839 --> 00:06:03,599 Speaker 4: of the marriage he puts about thirty to fifty on 154 00:06:03,640 --> 00:06:04,200 Speaker 4: that every. 155 00:06:04,040 --> 00:06:06,800 Speaker 1: Single month, So I stepping it too. 156 00:06:07,440 --> 00:06:07,800 Speaker 5: I know. 157 00:06:10,080 --> 00:06:15,600 Speaker 3: I probably wouldn't You're never. 158 00:06:13,680 --> 00:06:16,440 Speaker 4: I probably wouldn't noticed, but but I saw when they 159 00:06:16,480 --> 00:06:18,400 Speaker 4: first started at It's like, hey, you could just put 160 00:06:18,600 --> 00:06:21,840 Speaker 4: pay fifteen and the rest you can pay over ninety days, 161 00:06:21,880 --> 00:06:24,000 Speaker 4: And I was like, oh, this is really new now, 162 00:06:24,080 --> 00:06:27,320 Speaker 4: cautionary tale. Remember the relationships you have with these banks 163 00:06:27,360 --> 00:06:29,920 Speaker 4: are super important me. I just continue to pay in 164 00:06:29,960 --> 00:06:32,520 Speaker 4: full in thirty days because I want to leverage my 165 00:06:32,560 --> 00:06:35,840 Speaker 4: future relationships with them get higher credit limit increases. I 166 00:06:35,839 --> 00:06:37,760 Speaker 4: don't always want to have a balance with them, but 167 00:06:37,839 --> 00:06:39,520 Speaker 4: I know in the case of an emergency, I know 168 00:06:39,600 --> 00:06:40,640 Speaker 4: I can play that game with them. 169 00:06:40,960 --> 00:06:42,880 Speaker 3: I just got something from them asking me if I 170 00:06:42,880 --> 00:06:45,159 Speaker 3: want to line a credit for my business, and I 171 00:06:45,600 --> 00:06:50,000 Speaker 3: totally get how great this this whole thing is. Personally, 172 00:06:50,080 --> 00:06:53,120 Speaker 3: I get nervous because I'm like a line of credit 173 00:06:53,240 --> 00:06:56,159 Speaker 3: using my business credit cards and stuff. It is debt, 174 00:06:57,320 --> 00:06:58,600 Speaker 3: and that makes me nervous. 175 00:06:58,680 --> 00:07:01,920 Speaker 2: But if it's an emergency, oh, it's an emergency, it's debt. 176 00:07:01,960 --> 00:07:06,200 Speaker 3: But talk about the importance of just not going out 177 00:07:06,200 --> 00:07:07,920 Speaker 3: and say, I'm an entrepreneur. I can get this line 178 00:07:07,960 --> 00:07:09,880 Speaker 3: of credit. You have to know you're going to your 179 00:07:09,880 --> 00:07:11,520 Speaker 3: business is good enough that you can pay it back. 180 00:07:11,720 --> 00:07:16,160 Speaker 5: Correct, So for money, right, it's not free money? 181 00:07:17,000 --> 00:07:17,320 Speaker 3: Right right? 182 00:07:17,360 --> 00:07:17,560 Speaker 5: Right? 183 00:07:17,600 --> 00:07:18,000 Speaker 4: Oh? 184 00:07:18,000 --> 00:07:18,760 Speaker 1: Too soon? Too soon. 185 00:07:20,120 --> 00:07:23,960 Speaker 4: I had to we love that. I had to actually 186 00:07:25,640 --> 00:07:29,080 Speaker 4: pivot some of my business to educate people. Because I'm 187 00:07:29,120 --> 00:07:31,520 Speaker 4: the business credit guy. We're getting twenty thirty one hundred 188 00:07:31,520 --> 00:07:34,160 Speaker 4: thousand dollars in funding. But I realized something. I was 189 00:07:34,200 --> 00:07:35,880 Speaker 4: giving people money who really didn't know what to do 190 00:07:35,920 --> 00:07:38,440 Speaker 4: with the money once they got it. They saw the platinum. 191 00:07:38,000 --> 00:07:41,640 Speaker 5: Card, my credit card, right, my cousin back exactly. 192 00:07:42,040 --> 00:07:44,720 Speaker 4: And I'm like, guys, even when I first started my 193 00:07:44,840 --> 00:07:47,320 Speaker 4: entrepreneurial journey and I didn't have an exit plan with 194 00:07:47,360 --> 00:07:50,160 Speaker 4: the real estate deal, I'm telling everybody you need to 195 00:07:50,160 --> 00:07:52,520 Speaker 4: have a business plan up front, especially with this credit 196 00:07:52,560 --> 00:07:54,840 Speaker 4: card debt. That's why I say use your money first 197 00:07:55,160 --> 00:07:57,320 Speaker 4: to make sure that the proof of concept works. Have 198 00:07:57,360 --> 00:07:59,880 Speaker 4: a business plan, pick us because these banks will give 199 00:07:59,920 --> 00:08:02,320 Speaker 4: you twenty thirty fifty thousand dollars and you need to 200 00:08:02,360 --> 00:08:05,240 Speaker 4: have a plan with it from jump so that you're 201 00:08:05,280 --> 00:08:08,040 Speaker 4: able to pay it off every month fifty thousand dollars. 202 00:08:08,120 --> 00:08:10,520 Speaker 4: Your percent interest's only five hundred a month. If you 203 00:08:10,560 --> 00:08:12,320 Speaker 4: can't pay five hundred has a month, you should not 204 00:08:12,360 --> 00:08:14,200 Speaker 4: be in business right if you don't have a play 205 00:08:14,240 --> 00:08:17,120 Speaker 4: to make that happen. So cautionary tale. It's a gift 206 00:08:17,120 --> 00:08:19,880 Speaker 4: and a curse, but it's a wonderful gift if you 207 00:08:20,000 --> 00:08:20,720 Speaker 4: use it right now. 208 00:08:20,720 --> 00:08:23,080 Speaker 2: Can you talk about how you even got into starting 209 00:08:23,080 --> 00:08:27,640 Speaker 2: your own business with Bellaston Academy? And I know you 210 00:08:27,720 --> 00:08:31,720 Speaker 2: had a regular day job, yes, okay, and then you 211 00:08:31,760 --> 00:08:33,000 Speaker 2: saw social I. 212 00:08:32,920 --> 00:08:35,400 Speaker 4: Was a social worker. Yes, I went to Temple and 213 00:08:35,400 --> 00:08:37,360 Speaker 4: then I went to Lincoln and got my master's degree, 214 00:08:37,760 --> 00:08:41,200 Speaker 4: and I was a social worker. Then I was an 215 00:08:41,200 --> 00:08:43,640 Speaker 4: executive director at a nonprofit. And shout out to a 216 00:08:43,640 --> 00:08:46,360 Speaker 4: good friend of mine, Charlene. She told me that you 217 00:08:46,520 --> 00:08:49,400 Speaker 4: only make as much as your clients do, so as 218 00:08:49,400 --> 00:08:52,640 Speaker 4: a social worker, your clients don't make any money. And 219 00:08:53,040 --> 00:08:56,560 Speaker 4: I ended up going to Italy for my baby moon 220 00:08:56,600 --> 00:08:59,320 Speaker 4: with my wife Janelle. Right, baby moon is a tripy 221 00:08:59,320 --> 00:09:01,320 Speaker 4: take before your first kid comes, because I knew your 222 00:09:01,320 --> 00:09:02,640 Speaker 4: life is never going to be the same after that. 223 00:09:03,120 --> 00:09:04,960 Speaker 4: So had a blast, had a great time. We were 224 00:09:04,960 --> 00:09:07,400 Speaker 4: there for like nine ten days. Came back, I had 225 00:09:07,400 --> 00:09:09,560 Speaker 4: no more vacation time and I was telling my brother 226 00:09:09,679 --> 00:09:11,320 Speaker 4: was the best trip I've ever had. It was amazing. 227 00:09:11,600 --> 00:09:13,520 Speaker 4: But now when Bella came, I couldn't spend any time 228 00:09:13,520 --> 00:09:14,920 Speaker 4: with her because I had to go to work. And 229 00:09:14,960 --> 00:09:16,959 Speaker 4: he said, you know the old jay Z line. Unless 230 00:09:16,960 --> 00:09:19,240 Speaker 4: you own your own you'll never be free. And I 231 00:09:19,280 --> 00:09:20,440 Speaker 4: was like, what am I going to sell? What am 232 00:09:20,480 --> 00:09:22,680 Speaker 4: I gonna do? He's like that credit thing that you do, 233 00:09:22,800 --> 00:09:25,240 Speaker 4: like you used to start charging people for that. I'm like, no, 234 00:09:25,240 --> 00:09:27,520 Speaker 4: I'm not gonna charge people, like people really need that game. 235 00:09:28,040 --> 00:09:30,360 Speaker 4: And he was like, they're going to pay somebody, they 236 00:09:30,440 --> 00:09:32,840 Speaker 4: might as well pay you. So that was the birth 237 00:09:32,880 --> 00:09:35,840 Speaker 4: of Bellisone Enterprises, where we started helping people with their credit, 238 00:09:35,920 --> 00:09:39,240 Speaker 4: helping them get funding. But the Bellosone Academy came into 239 00:09:39,280 --> 00:09:42,600 Speaker 4: fruition when I realized there's a lot of adults that 240 00:09:42,880 --> 00:09:46,600 Speaker 4: do not know or have access to this education at all. 241 00:09:46,960 --> 00:09:49,640 Speaker 4: So we started a mentorship program where we started teaching people. 242 00:09:49,679 --> 00:09:51,760 Speaker 4: We have amazing coaches. Shout out to Regime, shout out 243 00:09:51,760 --> 00:09:55,559 Speaker 4: to coach Mike who teached this to adults, this wonderful 244 00:09:55,559 --> 00:09:59,920 Speaker 4: information about credit leveraging, it starting businesses, investing. And now 245 00:10:00,080 --> 00:10:01,600 Speaker 4: we're taking it to the next level where we're going 246 00:10:01,640 --> 00:10:05,600 Speaker 4: to be teaching youth children, college people. Because it starts 247 00:10:05,640 --> 00:10:07,760 Speaker 4: at a younger age, our kind of parts have this 248 00:10:07,840 --> 00:10:10,240 Speaker 4: information much younger. So I was like, let's get this 249 00:10:10,280 --> 00:10:11,400 Speaker 4: information to younger people. 250 00:10:11,480 --> 00:10:13,760 Speaker 2: You know, that's valuable because I feel like it's worth it. 251 00:10:13,800 --> 00:10:16,240 Speaker 2: If it's gonna save me money and make me money, ye, 252 00:10:16,520 --> 00:10:17,960 Speaker 2: I'll pay for it, you know. 253 00:10:18,240 --> 00:10:21,600 Speaker 3: And they're not even expensive. I can't believe how inexpensive, 254 00:10:22,080 --> 00:10:27,800 Speaker 3: right ellis Sloan Academy DOT And yeah, thank you. 255 00:10:27,679 --> 00:10:29,520 Speaker 5: So much Ellus Sloan Academy DOT. 256 00:10:29,720 --> 00:10:31,920 Speaker 4: I appreciate that. It's fifty dollars a month. And we 257 00:10:31,960 --> 00:10:34,720 Speaker 4: meet every single Wednesday night for two to three hours. 258 00:10:34,400 --> 00:10:36,480 Speaker 1: And we teach what do you teach? 259 00:10:36,559 --> 00:10:36,880 Speaker 5: People? 260 00:10:37,679 --> 00:10:40,600 Speaker 4: So we teach. So the two main cores is helping 261 00:10:40,640 --> 00:10:43,880 Speaker 4: them repair their credit, fixing their credit, establishing their credit 262 00:10:43,920 --> 00:10:45,720 Speaker 4: because fixing your credit is one thing, but then you 263 00:10:45,720 --> 00:10:48,200 Speaker 4: have to establish good credit also for a period of time. 264 00:10:48,480 --> 00:10:50,760 Speaker 4: They then we teach them how to set up their 265 00:10:50,880 --> 00:10:53,600 Speaker 4: LLC property, their business properly, because you just can't go 266 00:10:53,600 --> 00:10:54,960 Speaker 4: into a bank and get money. You have to have 267 00:10:54,960 --> 00:10:58,160 Speaker 4: a website, business phone number, business address, business email. You 268 00:10:58,160 --> 00:10:59,920 Speaker 4: gotta look pro So we help them set that up, 269 00:11:00,200 --> 00:11:02,199 Speaker 4: and then we help them get the funding for their businesses. 270 00:11:02,480 --> 00:11:04,560 Speaker 4: And then we have different coaches come on week to 271 00:11:04,640 --> 00:11:07,640 Speaker 4: week to who are in different entrepreneurs spaces. I don't 272 00:11:07,679 --> 00:11:09,920 Speaker 4: know everything, so I got to bring different speakers on 273 00:11:10,200 --> 00:11:12,480 Speaker 4: that talk about, Hey, I'm in Toro. Hey I'm doing Airbnb. 274 00:11:12,640 --> 00:11:16,000 Speaker 4: Hey I'm in a syndication deal in real estate. So 275 00:11:16,040 --> 00:11:18,160 Speaker 4: these different speakers come on and teach and educate. 276 00:11:18,720 --> 00:11:19,960 Speaker 5: Is fifty dollars a month. 277 00:11:20,200 --> 00:11:21,920 Speaker 4: Fifty dollars a month, Yes, the. 278 00:11:22,040 --> 00:11:24,960 Speaker 5: Lasloan Academy dot com dot com? 279 00:11:25,040 --> 00:11:25,199 Speaker 3: Yes? 280 00:11:25,440 --> 00:11:27,320 Speaker 2: And what about the people you surround yourself with? Because 281 00:11:27,360 --> 00:11:29,280 Speaker 2: I always talk about how important that is, like the 282 00:11:29,400 --> 00:11:33,319 Speaker 2: circle of people who are around you, because I'm always 283 00:11:33,320 --> 00:11:35,600 Speaker 2: still a student too, Like in spite of all the things, 284 00:11:35,640 --> 00:11:37,720 Speaker 2: that I've learned and that I know. I always feel like, 285 00:11:37,840 --> 00:11:39,880 Speaker 2: you know, Stacy will come in here teach me something. 286 00:11:40,240 --> 00:11:42,040 Speaker 1: Wealth Wednesday. I always learned a lot when we have 287 00:11:42,040 --> 00:11:42,560 Speaker 1: different guests. 288 00:11:42,600 --> 00:11:45,880 Speaker 5: We've learned so much from Wealth Wednesdays. Yeah, yeah, I'm like, oh, 289 00:11:45,880 --> 00:11:47,439 Speaker 5: I want to learn about that. Let's bring somebody else. 290 00:11:47,760 --> 00:11:49,600 Speaker 2: But you know, I think that's important too, to talk 291 00:11:49,600 --> 00:11:52,320 Speaker 2: about the process, because some people might feel like I 292 00:11:52,360 --> 00:11:55,000 Speaker 2: have it all, I don't need any you know, anything additional. 293 00:11:55,080 --> 00:11:58,240 Speaker 2: But I think even for me, I'm still taking classes, 294 00:11:58,280 --> 00:12:01,480 Speaker 2: still trying to get certified certain things, and still trying 295 00:12:01,480 --> 00:12:02,120 Speaker 2: to learn and grow. 296 00:12:02,200 --> 00:12:03,880 Speaker 1: So how important is your circle. 297 00:12:03,679 --> 00:12:06,079 Speaker 4: If your mentor doesn't have a mentor or is it 298 00:12:06,120 --> 00:12:09,760 Speaker 4: still learning during your in trouble. So I always circle 299 00:12:09,840 --> 00:12:12,959 Speaker 4: myself myself around people who know more than me, who 300 00:12:12,960 --> 00:12:15,120 Speaker 4: are richer than me, who were educated in me, more 301 00:12:15,120 --> 00:12:18,000 Speaker 4: wiser than me. So I have another tagline called audit 302 00:12:18,000 --> 00:12:18,520 Speaker 4: your circle. 303 00:12:18,679 --> 00:12:18,880 Speaker 5: Right. 304 00:12:19,240 --> 00:12:21,320 Speaker 4: So, as you see, I bought an amazing team with me. 305 00:12:22,120 --> 00:12:23,840 Speaker 4: They do a lot of the heavy lifting. They point 306 00:12:23,840 --> 00:12:25,920 Speaker 4: me in the right direction. And this is one of 307 00:12:25,920 --> 00:12:27,560 Speaker 4: the things I always advised people to do the same 308 00:12:27,559 --> 00:12:29,840 Speaker 4: thing too, because I'm still taking mentorships. I'm still taking 309 00:12:29,880 --> 00:12:33,199 Speaker 4: classes again. Storm is one of my guys. I always 310 00:12:33,200 --> 00:12:34,839 Speaker 4: call Storm like, hey, I need advice on this. 311 00:12:36,880 --> 00:12:42,120 Speaker 3: Yes, shout out to Stormy, marginal Ash cast our buddy's 312 00:12:42,200 --> 00:12:45,080 Speaker 3: path to prosperity. Big shout out, Amazing, you touched on 313 00:12:45,160 --> 00:12:48,199 Speaker 3: something and we are having this conversation a couple of 314 00:12:48,240 --> 00:12:51,360 Speaker 3: weeks ago with Pinky Coal a lot of small businesses. 315 00:12:50,920 --> 00:12:55,080 Speaker 4: And you just had Pink Yes, Yes, Yes, Yes, stage 316 00:12:55,320 --> 00:13:00,800 Speaker 4: yes and her husband, doctor Derek, Doctor Derek. 317 00:13:01,760 --> 00:13:05,680 Speaker 5: She was saying, hire slowly, fire quickly. 318 00:13:05,760 --> 00:13:10,160 Speaker 3: A lot of entrepreneurs get into the situation where they 319 00:13:10,160 --> 00:13:12,440 Speaker 3: should be auditing their circle, but they just have a 320 00:13:12,440 --> 00:13:13,720 Speaker 3: hard time doing that. 321 00:13:13,800 --> 00:13:15,240 Speaker 5: Talk about how important that is. 322 00:13:16,400 --> 00:13:19,960 Speaker 4: Thank god I hired Demarus to handle that because I'm 323 00:13:19,960 --> 00:13:24,800 Speaker 4: too nice of a guy. She can tell yeah, yeah, 324 00:13:24,920 --> 00:13:27,920 Speaker 4: she can tell. She can tell quickly if something isn't 325 00:13:27,920 --> 00:13:30,120 Speaker 4: gonna work out with somebody. I think I saw Gary 326 00:13:30,200 --> 00:13:32,560 Speaker 4: Vee talk about this one time. The reason why we 327 00:13:32,600 --> 00:13:35,160 Speaker 4: take so long to fire people is because of our ego. 328 00:13:35,240 --> 00:13:37,200 Speaker 4: Because you sat through the interview process with them and 329 00:13:37,240 --> 00:13:40,920 Speaker 4: they fooled you, and in two to three weeks you 330 00:13:40,920 --> 00:13:43,000 Speaker 4: should figure out that it's not gonna work. Let them 331 00:13:43,040 --> 00:13:45,360 Speaker 4: go fire quickly so you get the next person in. 332 00:13:45,400 --> 00:13:46,839 Speaker 4: But no, we want to give them ninety days and 333 00:13:46,840 --> 00:13:48,400 Speaker 4: see if it works. No, get them out of here 334 00:13:48,520 --> 00:13:50,320 Speaker 4: because you have a business to run and it's costing 335 00:13:50,360 --> 00:13:51,800 Speaker 4: you money teaching them things. 336 00:13:52,840 --> 00:13:54,400 Speaker 2: You know what else too, I want to talk about 337 00:13:54,600 --> 00:13:58,000 Speaker 2: You call your label as the Haitian CEO. So what 338 00:13:58,080 --> 00:14:00,800 Speaker 2: does your background have to do with even like your 339 00:14:00,880 --> 00:14:01,480 Speaker 2: work ethic? 340 00:14:02,200 --> 00:14:05,800 Speaker 4: Oh wow, that kind of goes to how my parents worked. 341 00:14:06,040 --> 00:14:11,120 Speaker 4: They were from the amazing island of Haiti and they 342 00:14:11,160 --> 00:14:14,120 Speaker 4: were extremely hard workers. Both parents had two jobs. You 343 00:14:14,160 --> 00:14:17,760 Speaker 4: know that story originally from Brooklyn, New York. It was 344 00:14:18,080 --> 00:14:21,800 Speaker 4: five of us, my brother Kevin, my sister Cara. Put 345 00:14:21,840 --> 00:14:24,040 Speaker 4: us in an apartment. There was a one bedroom. They 346 00:14:24,080 --> 00:14:26,760 Speaker 4: saved their money moved us to Philly three bedroom home. 347 00:14:27,040 --> 00:14:29,200 Speaker 4: So they work really hard. That type of ethic you 348 00:14:29,240 --> 00:14:32,280 Speaker 4: saw every single day. It put it inside of me. 349 00:14:32,600 --> 00:14:34,840 Speaker 4: But I also like to say that my parents prepared 350 00:14:34,880 --> 00:14:37,160 Speaker 4: me for a world that no longer exists because my 351 00:14:37,200 --> 00:14:39,320 Speaker 4: parents are from Haiti, where their American dream was to 352 00:14:39,600 --> 00:14:42,200 Speaker 4: get a college education. And you'll be fine, that world 353 00:14:42,240 --> 00:14:45,040 Speaker 4: doesn't exist anymore. So when I told my mom, I 354 00:14:45,080 --> 00:14:47,480 Speaker 4: was quitting my job and my six figure job at 355 00:14:47,520 --> 00:14:49,920 Speaker 4: the time, because I finally moved into tech for like 356 00:14:49,960 --> 00:14:54,920 Speaker 4: six months right, and then I was able to pivot 357 00:14:55,040 --> 00:14:57,000 Speaker 4: into business and tell my mom, Hey, I'm gonna do 358 00:14:57,080 --> 00:14:58,800 Speaker 4: this instead. She was losing her mind. She's like, what 359 00:14:59,040 --> 00:15:01,520 Speaker 4: you put your job crazy? I was like, Mom, you 360 00:15:01,520 --> 00:15:04,080 Speaker 4: gotta trust me, like, I make more money doing this, 361 00:15:04,480 --> 00:15:06,160 Speaker 4: and I actually, to this day I have to convince her. 362 00:15:06,200 --> 00:15:07,840 Speaker 4: And sometimes she doesn't even know what I do. She's like, 363 00:15:07,840 --> 00:15:09,120 Speaker 4: you're going to New York to do what You're going 364 00:15:09,200 --> 00:15:11,200 Speaker 4: to be on who show? And I was like, I'm 365 00:15:11,200 --> 00:15:11,600 Speaker 4: going to work. 366 00:15:11,640 --> 00:15:12,520 Speaker 1: She's like that's work. 367 00:15:12,920 --> 00:15:13,760 Speaker 4: She's like, no, it's work. 368 00:15:13,800 --> 00:15:15,320 Speaker 1: I gotta go. You do love what you do? 369 00:15:15,360 --> 00:15:17,040 Speaker 2: And I think I love what I do because it 370 00:15:17,080 --> 00:15:20,360 Speaker 2: is helping people, It is educating people, it is learning 371 00:15:20,760 --> 00:15:21,880 Speaker 2: from people as well. 372 00:15:22,040 --> 00:15:24,360 Speaker 4: Income and impact. So to be able to make money 373 00:15:24,400 --> 00:15:27,200 Speaker 4: while helping people and changing people's lives. And they're showing 374 00:15:27,240 --> 00:15:29,280 Speaker 4: me the receipts of what they're what they've done is 375 00:15:29,800 --> 00:15:31,800 Speaker 4: is ballgame. People stopping you on the street, not because 376 00:15:31,800 --> 00:15:34,400 Speaker 4: it's necessarily your celebrity, but because hey, Herman, I was 377 00:15:34,440 --> 00:15:35,960 Speaker 4: able to get this off my credit. It went up 378 00:15:36,000 --> 00:15:38,040 Speaker 4: one hundred points. I got ten thousands. I was able 379 00:15:38,080 --> 00:15:40,920 Speaker 4: to quit my job and those stories are always amazing. 380 00:15:41,400 --> 00:15:43,040 Speaker 5: That's awesome. How did you build? 381 00:15:43,160 --> 00:15:46,720 Speaker 3: Now, let's talk about your entrepreneur expertise for a minute. 382 00:15:47,240 --> 00:15:50,240 Speaker 3: So you started this after your brother told you start 383 00:15:50,320 --> 00:15:51,960 Speaker 3: charging people for the credit help. 384 00:15:52,040 --> 00:15:54,680 Speaker 5: And that was twenty seventeen, twenty seventeen, twenty. 385 00:15:54,440 --> 00:15:58,080 Speaker 3: Seventeen, and now you have a multimillion dollar business allegedly. 386 00:15:58,640 --> 00:15:58,840 Speaker 1: Right. 387 00:15:58,920 --> 00:16:04,680 Speaker 4: Yes, we talk about I pas my taxes right time. 388 00:16:05,840 --> 00:16:06,920 Speaker 5: How did you do that? 389 00:16:08,320 --> 00:16:10,480 Speaker 4: Number one? Like we talked about earlier, having the right 390 00:16:10,480 --> 00:16:13,960 Speaker 4: people around you and understanding the market that I'm in. Right, 391 00:16:14,040 --> 00:16:18,080 Speaker 4: So I'm successful in business because I ask the market 392 00:16:18,080 --> 00:16:20,760 Speaker 4: what they want and then I charge the market for 393 00:16:20,800 --> 00:16:21,320 Speaker 4: the answer. 394 00:16:21,800 --> 00:16:22,000 Speaker 5: Right. 395 00:16:22,680 --> 00:16:25,200 Speaker 4: I have a freemium model, so on my Instagram hation 396 00:16:25,320 --> 00:16:28,360 Speaker 4: on the score CEO, I give a lot of stuff 397 00:16:28,400 --> 00:16:31,160 Speaker 4: away for free, free information. Right, this is what you 398 00:16:31,160 --> 00:16:33,080 Speaker 4: got to do fix your credit. You get funding this way, 399 00:16:33,200 --> 00:16:35,400 Speaker 4: and what do people do? They go execute on the 400 00:16:35,440 --> 00:16:36,920 Speaker 4: information and it works. 401 00:16:37,280 --> 00:16:37,480 Speaker 5: Right. 402 00:16:37,680 --> 00:16:39,600 Speaker 4: So I literally tell people I'm going to give you 403 00:16:39,640 --> 00:16:42,520 Speaker 4: the money to pay me. Right, So you do this, 404 00:16:42,600 --> 00:16:45,200 Speaker 4: you do this and then some right. So now I'm 405 00:16:45,200 --> 00:16:47,120 Speaker 4: going to give you the fifty dollars a month to 406 00:16:47,720 --> 00:16:50,520 Speaker 4: come to the academy, right, because I used to charge 407 00:16:50,520 --> 00:16:52,960 Speaker 4: way more money for my academy to be one thousand 408 00:16:52,960 --> 00:16:55,040 Speaker 4: dollars and then DeMars, you have to have somebody looking 409 00:16:55,040 --> 00:16:57,840 Speaker 4: at your numbers. She's like, listen, we're down like eighty percent. 410 00:16:58,160 --> 00:16:59,520 Speaker 5: Stop paying those big fees. 411 00:16:59,520 --> 00:17:02,360 Speaker 4: People start paying those big tea exactly stuff they stopped 412 00:17:02,480 --> 00:17:04,800 Speaker 4: and she's like, listen, we're down seventy percent. I'm like, 413 00:17:04,840 --> 00:17:07,159 Speaker 4: you're kidding. She's like, yeah. So we pivoted to a 414 00:17:07,160 --> 00:17:10,560 Speaker 4: subscription model, right, and it's just absolutely ridiculous. We have 415 00:17:10,600 --> 00:17:13,679 Speaker 4: thousands of subscribers now, and now we have the capital 416 00:17:13,720 --> 00:17:16,520 Speaker 4: to invest in other businesses and invest right back into 417 00:17:16,840 --> 00:17:20,080 Speaker 4: our mentees because now we can get higher level coaches 418 00:17:20,119 --> 00:17:21,760 Speaker 4: to come and teach them, and we're able to afford 419 00:17:21,800 --> 00:17:24,960 Speaker 4: to pay them because we have many subscribers. It's like Netflix, 420 00:17:25,119 --> 00:17:27,560 Speaker 4: they do better shows now because they have many subscribers. 421 00:17:27,760 --> 00:17:30,000 Speaker 4: We have a better platform because we have many subscribers now. 422 00:17:30,119 --> 00:17:33,840 Speaker 4: So that type of pivot and understanding business can can 423 00:17:33,920 --> 00:17:35,760 Speaker 4: make you sink or swim if you're not paying attention. 424 00:17:36,119 --> 00:17:37,720 Speaker 1: See, it's always a process. 425 00:17:37,840 --> 00:17:38,960 Speaker 4: Yeah, it's always a process. 426 00:17:39,200 --> 00:17:41,840 Speaker 3: How much should it help you? So the Philadelphia Tribune 427 00:17:41,920 --> 00:17:44,760 Speaker 3: get a story on you during the pandemic, right right, right, Yeah, 428 00:17:45,160 --> 00:17:48,320 Speaker 3: but at that time where you're just focusing on personal credit. 429 00:17:48,040 --> 00:17:51,640 Speaker 4: Mostly personal credit, we didn't pivot totally to business totally, 430 00:17:52,320 --> 00:17:53,840 Speaker 4: but yeah, we were kind of doing both at the 431 00:17:53,880 --> 00:17:57,760 Speaker 4: time that interview. I don't know how they found me, 432 00:17:57,800 --> 00:18:01,480 Speaker 4: but they found me because they were surprised that entrepreneurs. 433 00:18:01,520 --> 00:18:05,520 Speaker 4: They wanted to know how entrepreneurs were pivoting during the 434 00:18:05,600 --> 00:18:08,080 Speaker 4: world being closed, which is a crazy time. The world 435 00:18:08,119 --> 00:18:10,160 Speaker 4: was really closed. But that was one of the first 436 00:18:10,160 --> 00:18:11,960 Speaker 4: time that my business had to pivot because I was 437 00:18:12,000 --> 00:18:14,479 Speaker 4: doing a lot of in person events and that's when 438 00:18:14,520 --> 00:18:15,919 Speaker 4: I was able to quit my job because once a 439 00:18:15,960 --> 00:18:18,160 Speaker 4: month I was doing a mini conference. Two three hundred 440 00:18:18,160 --> 00:18:19,919 Speaker 4: people would show up. We'd charge them at the door, 441 00:18:19,960 --> 00:18:21,359 Speaker 4: and I only had to do that once a month, 442 00:18:21,800 --> 00:18:23,320 Speaker 4: and then bills were paid and I had a little 443 00:18:23,320 --> 00:18:25,680 Speaker 4: extra change in my pocket. But the world shut down, 444 00:18:25,720 --> 00:18:28,879 Speaker 4: what was I going to do? That's what wonderful Zoom 445 00:18:29,040 --> 00:18:31,359 Speaker 4: and Google sheets and all that stuff. We was able 446 00:18:31,400 --> 00:18:33,800 Speaker 4: to move our business online, and then of course you 447 00:18:33,880 --> 00:18:37,080 Speaker 4: reach more people online. It's absolutely exploded. 448 00:18:37,160 --> 00:18:40,159 Speaker 3: So many people, especially in our community, got into that 449 00:18:40,240 --> 00:18:43,520 Speaker 3: credit crunch exactly, ran into a financial wall exactly to 450 00:18:43,600 --> 00:18:44,679 Speaker 3: take an honest look at. 451 00:18:44,520 --> 00:18:47,760 Speaker 2: It, right, All right, well, listen, how can people find 452 00:18:47,840 --> 00:18:50,080 Speaker 2: you if they want to sign up for Bellison Academy 453 00:18:50,080 --> 00:18:52,640 Speaker 2: if they want to, you know, directly get some help 454 00:18:52,680 --> 00:18:53,080 Speaker 2: from there. 455 00:18:53,119 --> 00:18:55,840 Speaker 4: So if they want to become a subscriber to join 456 00:18:55,880 --> 00:18:58,880 Speaker 4: our mentorship where we teach them about credit, leveraging their 457 00:18:58,920 --> 00:19:01,480 Speaker 4: credit and get business credit it and learning many other things, 458 00:19:01,600 --> 00:19:05,320 Speaker 4: they can go to www dot Bellasloan Academy dot com. 459 00:19:05,440 --> 00:19:08,920 Speaker 4: It's only fifty dollars a month. It's no commitment, you 460 00:19:08,920 --> 00:19:10,800 Speaker 4: can quit whenever you want. We would love to be 461 00:19:10,840 --> 00:19:13,760 Speaker 4: a service. And you can go to BELLOSLOANLLC dot com 462 00:19:13,840 --> 00:19:15,560 Speaker 4: if you want your credit fixed or if you want 463 00:19:15,560 --> 00:19:17,840 Speaker 4: some funding, We would love to be a service to you. 464 00:19:17,960 --> 00:19:19,960 Speaker 2: And if you text Angela to six one oh and 465 00:19:20,040 --> 00:19:22,600 Speaker 2: when you're gonna say that I start over, go ahead. 466 00:19:22,720 --> 00:19:25,040 Speaker 2: And if you text Angela to six one oh eight 467 00:19:25,440 --> 00:19:28,880 Speaker 2: nine seven six two seven, you get five free ebooks 468 00:19:29,080 --> 00:19:31,679 Speaker 2: on how to build business credit and structure your business 469 00:19:31,760 --> 00:19:32,160 Speaker 2: as well. 470 00:19:32,240 --> 00:19:32,920 Speaker 4: Free, free, free. 471 00:19:32,960 --> 00:19:33,560 Speaker 1: We love free. 472 00:19:33,720 --> 00:19:34,720 Speaker 5: We love saying that number. 473 00:19:34,840 --> 00:19:37,480 Speaker 2: There's no reason you can't afford that. Okay, it's six 474 00:19:37,560 --> 00:19:40,280 Speaker 2: one o eight one nine seven six two seven. Just 475 00:19:40,320 --> 00:19:42,639 Speaker 2: text Angela awesome. 476 00:19:42,880 --> 00:19:45,680 Speaker 4: Thank you so much, Heytion CEO, can I talk about 477 00:19:45,680 --> 00:19:48,600 Speaker 4: one thing before you, Chris, So, I have two books 478 00:19:48,640 --> 00:19:50,520 Speaker 4: coming out. I want to make sure we talk about Yes, 479 00:19:50,560 --> 00:19:51,840 Speaker 4: So two books come out, and make sure you guys 480 00:19:51,880 --> 00:19:53,800 Speaker 4: get a copy because we want to get these books 481 00:19:53,840 --> 00:19:56,879 Speaker 4: in younger kids hands. Bella Bill's Business Credit, and we 482 00:19:56,920 --> 00:19:59,960 Speaker 4: have another one called for my second daughter, Olivia. 483 00:19:59,600 --> 00:20:02,200 Speaker 1: The E of Credit Olivia. 484 00:20:03,960 --> 00:20:06,119 Speaker 4: And then that book is really good because as for Apple, 485 00:20:06,160 --> 00:20:08,679 Speaker 4: B is for balance, C is for credit. Because we 486 00:20:08,680 --> 00:20:10,680 Speaker 4: want to get this information into younger hands as soon 487 00:20:10,680 --> 00:20:12,480 Speaker 4: as possible. We'd love to leave a couple of copies 488 00:20:12,520 --> 00:20:13,080 Speaker 4: for you guys. 489 00:20:13,359 --> 00:20:13,840 Speaker 1: I love that. 490 00:20:14,000 --> 00:20:16,639 Speaker 4: Thank you so much for having me Angela. I appreciate it. Stacy, 491 00:20:16,680 --> 00:20:17,960 Speaker 4: it's been a pleasure being here. 492 00:20:18,000 --> 00:20:18,639 Speaker 5: We appreciate it. 493 00:20:18,680 --> 00:20:24,040 Speaker 3: Happy Wealth Wednesday's everybody