WEBVTT - Cliff Notes: THE FASTEST WAYS TO PAY OFF DEBT

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<v Speaker 1>Coach, the energy out there felt different. What changed for

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<v Speaker 1>the team today?

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<v Speaker 2>It was a new game day, scratches from the California

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<v Speaker 2>Lottery players, everything. Those games sent the team's energy through

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<v Speaker 2>the roof.

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<v Speaker 1>Are you saying it was the off field play that

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<v Speaker 1>made the difference on the field.

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<v Speaker 2>Hey, little play makes your day, and today it made

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<v Speaker 2>the game. That's all for now, Coach, one.

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<v Speaker 1>More question play than you Los Angeles Chargers, San Francisco

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<v Speaker 1>forty nine Ers and Los Angeles Rams scratchers from the

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<v Speaker 1>California Lottery. A little play can make your day. Peace

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<v Speaker 1>made responsibily. Must be eighteen years or older to purchase

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<v Speaker 1>plate or claimant to ask.

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<v Speaker 3>I want a question because I feel like we talked

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<v Speaker 3>about stock a lot on this show, but it's more

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<v Speaker 3>just a stock shows. It's a it's a business show financial.

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<v Speaker 3>So one of the things that's crippling on people the

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<v Speaker 3>most in this world is dead. Even on our podcast,

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<v Speaker 3>you Go, I talked a lot some different strategies to

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<v Speaker 3>pay off debt. I think is the avalanche approach? And

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<v Speaker 3>did of another approach? Can you talk about that?

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<v Speaker 4>Yeah?

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<v Speaker 5>No, absolutely, And I think that also too. I think

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<v Speaker 5>I want people to open up their minds about the market.

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<v Speaker 5>There are so many markets to invest in. I became

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<v Speaker 5>a millionaire and I invest in like stocks, but that's

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<v Speaker 5>that's not my main source. You know, I feel like

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<v Speaker 5>you should. A smart investor is an investor that's willing

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<v Speaker 5>to do the research in the thing they enjoy investing in.

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<v Speaker 6>So yes, that well.

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<v Speaker 5>And I'll say this too about black and brown people

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<v Speaker 5>in debt, that I'm gonna share with you ways to

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<v Speaker 5>pay off your debt, but I want you to set

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<v Speaker 5>it and semi forget it. That is not your focus.

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<v Speaker 5>A study was done that black and brown people focus

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<v Speaker 5>more on getting out of debt, where the larger population

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<v Speaker 5>focus more on on growing wealth. And it is why

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<v Speaker 5>we are here because debt is a is a goal

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<v Speaker 5>on the way to the destination. It's not the destination itself,

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<v Speaker 5>you know, Like it's not like, Yay, I'm debt free,

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<v Speaker 5>and I always say so is my four year old

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<v Speaker 5>nephew Roman.

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<v Speaker 6>He's still broke and you can go free.

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<v Speaker 5>Yes, de free, don't ego broke. Don't let people out

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<v Speaker 5>here fool you. Debt free, don't ego broke. Your toddler

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<v Speaker 5>is that free? They still broke the growth broke. So anyway,

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<v Speaker 5>here's some of the methods to get out of debt.

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<v Speaker 5>First method that I like is the snowball method. That's

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<v Speaker 5>when you pay off the debt with the lowest balance first,

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<v Speaker 5>and you can find snowball calculators online, do your googles,

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<v Speaker 5>and so the reason why you do that is because

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<v Speaker 5>people are emotional and they need early success. So if

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<v Speaker 5>you pay off the debt with the lowest balance first,

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<v Speaker 5>and then while you're paying off the debt with the

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<v Speaker 5>lowest balance, you are also paying the minimum to the

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<v Speaker 5>rest of your debt on your list because you're wanting

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<v Speaker 5>to give that debt it's minimum plus any extra you

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<v Speaker 5>can pull. So let's just say you can pull an

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<v Speaker 5>extra five hundred dollars a month from your budget. You know,

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<v Speaker 5>so first debt gets its minimum plus the five hundred.

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<v Speaker 5>Once that debt is paid off, you roll over that

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<v Speaker 5>full amount to the second lowest step. Second lowest stet

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<v Speaker 5>gets first lowest sets minimum it's minimum plus that five hundred,

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<v Speaker 5>pay off that debt you roll it over. So imagine

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<v Speaker 5>like a snowball rolling down the hill that the more

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<v Speaker 5>it rolls, the bigger it gets. So the premise of

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<v Speaker 5>the snowball method is as you get to debt with

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<v Speaker 5>bigger and bigger balances, you have more and more money

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<v Speaker 5>to put toward it because you're collecting minimums along the way.

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<v Speaker 5>The other method is the avalanche method. For those of

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<v Speaker 5>you who are really linear and the avalanche that are

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<v Speaker 5>really logical. The avalanche method actually makes more or sense,

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<v Speaker 5>not emotional sense, but makes more mental sense. And that

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<v Speaker 5>you pay off the debt with the highest interest rate

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<v Speaker 5>first because that's the debt that's the most expensive, and

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<v Speaker 5>the same thing to pay off the debt with the

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<v Speaker 5>highest interest rate, they roll it over to the second

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<v Speaker 5>debt with the with the second highest interest rate. I

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<v Speaker 5>believe him doing a mix, start with the snowball and

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<v Speaker 5>when it makes sense, not out debt with the highest

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<v Speaker 5>interest rate. So but honestly, you said it, and Sai,

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<v Speaker 5>I forget it. Like I call him Jake the thief.

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<v Speaker 5>When I was like twenty seven, a friend of mine

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<v Speaker 5>who had like a lambbou a penhouse in New York.

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<v Speaker 5>So I thought he was rich and I was like, yo,

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<v Speaker 5>teach me how to invest, and he promptly stole my money.

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<v Speaker 6>But he's in jail.

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<v Speaker 5>Now, and so he left me and left me thirty

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<v Speaker 5>five thousand dollars in debt. And I remember that I

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<v Speaker 5>put all my energy for two and a half years

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<v Speaker 5>and to pay.

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<v Speaker 6>Off that debt.

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<v Speaker 5>And I remember when it was finally paid off my

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<v Speaker 5>credit card debt, I was like so excited, and I

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<v Speaker 5>was like, yes, I paid up the debt. I did it,

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<v Speaker 5>and I looked around and I was still living in

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<v Speaker 5>the room. That's when the light bar went on, like

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<v Speaker 5>the hell are you doing to me?

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<v Speaker 4>All this time?

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<v Speaker 5>You did all this and yes, you're you paid off

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<v Speaker 5>the debt. Because the next I head of my list

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<v Speaker 5>was my student loan debt. And I said to myself,

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<v Speaker 5>you know what, I'm gonna pay just the minimum to

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<v Speaker 5>the student loan debt because that's fifty thousand dollars. I

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<v Speaker 5>don't want to spend another three years working on getting

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<v Speaker 5>debt free just to be still in this room. And

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<v Speaker 5>I'm gonna spend the next three years working on my

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<v Speaker 5>business investing and so. And then it took the three

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<v Speaker 5>maybe I want to say, maybe four years, and then

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<v Speaker 5>one day I was able to write a full fifty

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<v Speaker 5>two thousand dollars check to my student loan debt like

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<v Speaker 5>it was nothing.

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<v Speaker 6>And so that's why I say I want you to

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<v Speaker 6>focus on growing.

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<v Speaker 5>Wealth and investing and allow debt to happen as a

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<v Speaker 5>result of growing wealth.

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<v Speaker 7>Ernest, what's up? You ever walk into a small business

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<v Speaker 7>seats are digital, tipping is a breeze, and you're out

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<v Speaker 7>That's that's incredible because you know, we just had this

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<v Speaker 7>conversation maybe three hours ago when we in our Booklubs

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<v Speaker 7>shot everybody that was in the book Cup yesterday about

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<v Speaker 7>that scarcely mindset. Whereas like whatever we lack, we focus on, yes,

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<v Speaker 7>whether if I lack money, I'll focus on trying to

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<v Speaker 7>get money. If I lack food, all I can think

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<v Speaker 7>about is getting food.

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<v Speaker 6>If I if I'm trying.

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<v Speaker 7>To be different. All I can think about is a

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<v Speaker 7>debt you're saying, and I agree with you. Was like, yo,

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<v Speaker 7>we should focus on the investment piece and that will

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<v Speaker 7>take care of the other part everything else.

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<v Speaker 3>I'm gonna let you ask you a question, but I

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<v Speaker 3>going to make a statement too, because I feel like,

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<v Speaker 3>especially black people, a lot of telling me feel like this.

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<v Speaker 4>There's no such things as credit jail. Like I used

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<v Speaker 4>to have.

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<v Speaker 3>Terrible credit when I was in college. I got out

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<v Speaker 3>of college, I ran up credit cards and I actually

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<v Speaker 3>I think I had a lean on a judgment.

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<v Speaker 4>On one of the credit cards I couldn't pay back

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<v Speaker 4>when I was like in my early twenties.

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<v Speaker 3>And eyl one of my eyl nives shout out to PTG.

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<v Speaker 3>They just dropped the car off for me. We'll reveal,

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<v Speaker 3>we'll do a whole revealing. But what was my credit score?

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<v Speaker 4>A fifty two? A fifty two. So it's like, you

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<v Speaker 4>know what I'm saying, don't ever let somebody tell you that, yes,

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<v Speaker 4>if you got that credit credit.

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<v Speaker 6>I don't sweat credit.

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<v Speaker 5>I just want, honest see, if all the things to

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<v Speaker 5>worry about, it's the least you should worry about. All

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<v Speaker 5>your financial because it's the easiest thing to trick, right,

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<v Speaker 5>Like you're like, oh, hey, hey Graham, I you could

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<v Speaker 5>put me on your credit card as an authorized user.

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<v Speaker 5>Boom some points, you know, hey, let me pay off

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<v Speaker 5>a credit card. If this is what I when I

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<v Speaker 5>lost my job and I my credit score fell from

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<v Speaker 5>like a oo two to a five forty seven after

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<v Speaker 5>I couldn't for my mortgage and when it's a foreclosure,

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<v Speaker 5>I put a debt. A debt lawyer told me, Tiffany,

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<v Speaker 5>get a credit card, put Netflix on it, or the gym,

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<v Speaker 5>your gym membership on it, and paid off every month

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<v Speaker 5>in full.

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<v Speaker 6>Boom boom boom. I did it for two.

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<v Speaker 5>I used to call my jump like Jordan card. Right,

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<v Speaker 5>I'm like, yo, this credit card is about to jump

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<v Speaker 5>like Jordan. I did it with two, and in like

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<v Speaker 5>two and a half years, my five forty seven became

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<v Speaker 5>a seven fifty with an active foreclosure. Some of y'all

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<v Speaker 5>don't have no foreclosures, still don't have no seven fifty, right,

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<v Speaker 5>And I was just like, no, so credit. I don't

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<v Speaker 5>swear credit. Like now my credit score is probably like

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<v Speaker 5>I don't know, eight oh seven. I think last time

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<v Speaker 5>I checked quite honestly, I don't care I can raise

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<v Speaker 5>credit like this. I'm focused on growing wealth. I'm focused

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<v Speaker 5>on managing debt. I'm actually debt free like four year rold,

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<v Speaker 5>but I'm focused on managing debt. I'm focused on increasing

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<v Speaker 5>business opportunities. I'm always like my mentee always tell me, like, yo, Tippy,

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<v Speaker 5>you wait on a coin. I'm like, I will yo.

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<v Speaker 5>I will have an idea that I know probably won't

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<v Speaker 5>see the money for for five to ten years.

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<v Speaker 6>I'm good on that because if you start planning.

0:10:05.600 --> 0:10:10.040
<v Speaker 5>Seeds now, like I'm forty, I'm reaping my thirty year

0:10:10.080 --> 0:10:12.400
<v Speaker 5>old seeds. Well, people don't get That's why I don't

0:10:12.440 --> 0:10:14.000
<v Speaker 5>mind planning seeds at forty. I'm not going to see

0:10:14.000 --> 0:10:16.600
<v Speaker 5>the fifty because I'm like, I'm good. I'm reaping millions

0:10:16.600 --> 0:10:19.160
<v Speaker 5>of dollars because of seeds I've planned at thirty thirty one,

0:10:19.320 --> 0:10:22.120
<v Speaker 5>thirty two, thirty three. If you continue to plant, you

0:10:22.120 --> 0:10:25.360
<v Speaker 5>will continue to reap. And that's the issue is that

0:10:25.480 --> 0:10:28.600
<v Speaker 5>most people, the reason why they don't achieve the wealth

0:10:28.679 --> 0:10:30.880
<v Speaker 5>and the success that they want is that at some

0:10:31.040 --> 0:10:34.680
<v Speaker 5>point they don't see the seed grow fast enough, so

0:10:34.760 --> 0:10:37.719
<v Speaker 5>they stop right and then five years later, one of

0:10:37.720 --> 0:10:39.800
<v Speaker 5>those seats sprouts up and they're like, oh snap, that's

0:10:39.800 --> 0:10:40.680
<v Speaker 5>from five years ago.

0:10:41.080 --> 0:10:43.680
<v Speaker 6>And you realize, like, dang, had I kept going?

0:10:43.960 --> 0:10:44.360
<v Speaker 3>You will?

0:10:44.400 --> 0:10:47.200
<v Speaker 6>I will always read. Not only will I always read,

0:10:47.480 --> 0:10:49.559
<v Speaker 6>my kids will read. My kids' kids will reap.

0:10:49.600 --> 0:10:51.120
<v Speaker 5>My kids kids will read because I have set it

0:10:51.200 --> 0:10:54.920
<v Speaker 5>up that I am depositing every day. I'm planting every

0:10:54.920 --> 0:10:57.120
<v Speaker 5>single day, So I don't mind waiting on the corn.

0:10:57.200 --> 0:10:59.880
<v Speaker 5>I have ideas that I'm like that that's a billion dollars.

0:11:00.000 --> 0:11:01.839
<v Speaker 5>This is in about fifteen years. The way the market

0:11:01.880 --> 0:11:04.920
<v Speaker 5>is going, like I was just watching, like I don't know.

0:11:04.920 --> 0:11:06.280
<v Speaker 5>I mean, I'm sure you guys have been following, like

0:11:06.320 --> 0:11:08.440
<v Speaker 5>what's happening with Joe button pudding?

0:11:08.840 --> 0:11:09.000
<v Speaker 2>Right?

0:11:09.080 --> 0:11:11.719
<v Speaker 6>Let me get my jersey, my fellow jersey writing.

0:11:11.400 --> 0:11:15.000
<v Speaker 5>Right, you can put the s on it right, right right,

0:11:15.080 --> 0:11:17.520
<v Speaker 5>and so like even Kanye, I mean, you know Kanye,

0:11:17.679 --> 0:11:19.800
<v Speaker 5>but still right right.

0:11:20.280 --> 0:11:20.720
<v Speaker 6>I know.

0:11:22.840 --> 0:11:26.360
<v Speaker 2>My graduates from my school being forced back.

0:11:26.520 --> 0:11:31.160
<v Speaker 4>Drop bag drop Mike, drop bag drop drops.

0:11:41.559 --> 0:11:45.240
<v Speaker 9>An illegal alien from Guatemala charged with raping a child

0:11:45.280 --> 0:11:49.079
<v Speaker 9>in Massachusetts. An MS thirteen gang member from El Salvador

0:11:49.320 --> 0:11:53.440
<v Speaker 9>accused of murdering a Texas man of Venezuelan charged with

0:11:53.520 --> 0:11:57.360
<v Speaker 9>filming and selling child pornography in Michigan. These are just

0:11:57.520 --> 0:12:01.280
<v Speaker 9>some of the heinous migrant criminals caught because of President

0:12:01.320 --> 0:12:04.840
<v Speaker 9>Donald J. Trump's leadership. I'm Christy Noman, the United States

0:12:04.920 --> 0:12:09.720
<v Speaker 9>Secretary of Homeland Security. Under President Trump, attempted illegal border

0:12:09.760 --> 0:12:13.280
<v Speaker 9>crossings are at the lowest levels ever recorded, and over

0:12:13.360 --> 0:12:16.560
<v Speaker 9>one hundred thousand illegal aliens have been arrested. If you

0:12:16.640 --> 0:12:20.480
<v Speaker 9>are here illegally, your next you will be fine nearly

0:12:20.600 --> 0:12:24.600
<v Speaker 9>one thousand dollars a day, imprisoned and deported, you will

0:12:24.640 --> 0:12:28.280
<v Speaker 9>never return. But if you register using our CBP home

0:12:28.320 --> 0:12:31.640
<v Speaker 9>app and leave now, you could be allowed to return legally.

0:12:32.080 --> 0:12:32.880
<v Speaker 9>Do what's right.

0:12:33.440 --> 0:12:34.319
<v Speaker 6>Leave now.

0:12:34.640 --> 0:12:39.440
<v Speaker 9>Under President Trump, America's laws, border and families will be protected.

0:12:39.520 --> 0:12:41.679
<v Speaker 8>Sponsored by the United States Department of Homeland Security.