Latest / Earn Your Leisure / EYL #115 Credit is King feat. Him 500

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EYL #115 Credit is King feat. Him 500 · Earn Your Leisure

• 0:00
  Speaker 1: Hi.
• 0:00
  Speaker 2: I'm Sherry Harris, owner of Life Source Water. As a
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  Speaker 2: Hurry offer in September thirty.
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  Speaker 3: Warranty limitations applying.
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  Speaker 1: My graduates from my school being forts Bag, drop Bag Drop,
• 0:39
  Speaker 1: Mike drot Bag, drop bag drop.
• 0:52
  Speaker 3: All right, guys, welcome back. This is an extremely highly
• 0:55
  Speaker 3: anticipated episode. Before we start, we gotta let you know.
• 1:00
  Speaker 3: So you know, we got a lot a lot of
• 1:03
  Speaker 3: requests to extend the sale for Eyle University and it
• 1:07
  Speaker 3: was supposed to get shut down on January one, but
• 1:10
  Speaker 3: as you know, Ayle University, or as you might not know,
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  Speaker 3: it's actually ending as its current form and graduate school
• 1:17
  Speaker 3: will begin. So we was planning on launching and graduate school.
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  Speaker 3: January first ran to some technical difficulties, had to make
• 1:23
  Speaker 3: sure everything was right with the website and all that,
• 1:25
  Speaker 3: so we pushed it back a week. So you guys
• 1:28
  Speaker 3: still have seven days to join at the current price.
• 1:30
  Speaker 3: The price made double may, tripping, may quadruple. We have
• 1:35
  Speaker 3: to know, but it's going to be completely revamped. It's
• 1:39
  Speaker 3: gonna be a different situation. But ey University includes over
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  Speaker 3: one hundred past webinars, weekly webinars, access to our movie club,
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  Speaker 3: access to our book club, access to our Facebook group,
• 1:49
  Speaker 3: bi weekly vial estate calls with MG the mortgage guy,
• 1:52
  Speaker 3: and once a month financial planning calls with me. All
• 1:56
  Speaker 3: of that is included in the Eyo University membership. So
• 1:59
  Speaker 3: if you're interested, you can or to Eyo university dot
• 2:01
  Speaker 3: com right now and into promo code e y l
• 2:05
  Speaker 3: at checkout for forty percent off. You got five days. Yeah,
• 2:10
  Speaker 3: So you know, this is one of these situations where
• 2:15
  Speaker 3: it is the momentum has built pretty substantially over the
• 2:21
  Speaker 3: last year, and him five hundred has really grown an
• 2:26
  Speaker 3: online community, and he's done it diligently, and he's done
• 2:31
  Speaker 3: it in real life. We actually got a chance to
• 2:33
  Speaker 3: see a lot of his work. Want to see his conference,
• 2:36
  Speaker 3: and it's very impressive what he's put together. So we've
• 2:39
  Speaker 3: talked about credit before and shout out to everybody that's
• 2:42
  Speaker 3: been on our platform. Ey University and EYL has talked
• 2:44
  Speaker 3: about credit and the credit dude. And but for the
• 2:48
  Speaker 3: most part, the credit that we've talked about is like
• 2:51
  Speaker 3: on the along the lines of like how to repair
• 2:53
  Speaker 3: your credit or how to establish you know, basic level
• 2:57
  Speaker 3: established credit, which is important. We need that levels of
• 2:59
  Speaker 3: understand but you know, it's like there's different sectors of
• 3:03
  Speaker 3: credit and just different sectors of financial literacy. So him
• 3:07
  Speaker 3: five hundred, he focuses on a variety of different things.
• 3:12
  Speaker 3: But I guess what he's been known for the most
• 3:14
  Speaker 3: is how to turn credit into cash. And it's a
• 3:18
  Speaker 3: lot of cool stuff as far as like working with
• 3:21
  Speaker 3: credit and understanding how to utilize cards, understanding how to
• 3:26
  Speaker 3: utilize cards, understanding all kinds.
• 3:29
  Speaker 4: Of we don't seen it all in real life, yea, all.
• 3:33
  Speaker 3: Kinds of stuff, and yeah, it happened in real life.
• 3:35
  Speaker 3: Like I said, you know, we shout out to the
• 3:37
  Speaker 3: whole crew in Atlanta. I don't want to to get anybody,
• 3:41
  Speaker 3: but you know, Alex him five hundred Gooch Maddy j
• 3:48
  Speaker 3: just two weeks out, two weeks out, Yeah, everybody her
• 3:55
  Speaker 3: five hundred. Yeah, most that's a fact. So we we
• 4:00
  Speaker 3: go down there. He realize that they got a whole
• 4:02
  Speaker 3: movement of entrepreneurs out there that's doing that thing. And
• 4:04
  Speaker 3: the young they're black, they're all networking with each other.
• 4:06
  Speaker 3: And him five hundred is the he's one of the
• 4:10
  Speaker 3: members of the crew. And everything that he he raps about,
• 4:14
  Speaker 3: he talks about real life.
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  Speaker 4: They said, he's a positive pressure guy. Yo, you got
• 4:21
  Speaker 4: that car, you need to get this call.
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  Speaker 3: It's like these rappers, like some rappers actually live it.
• 4:28
  Speaker 3: Some rappers just rapping about it. But everything he talks
• 4:31
  Speaker 3: about he actually lives and we saw it firsthand. So
• 4:34
  Speaker 3: this is an exciting conversation. I'm excited to have it.
• 4:37
  Speaker 3: We're going to talk about a wide variety of hacks,
• 4:41
  Speaker 3: financial literacy, credit stuff that you can't google. This information
• 4:45
  Speaker 3: you can't google. That's what you got.
• 4:47
  Speaker 4: This is in a safe you got you can't crack
• 4:49
  Speaker 4: the safe on this.
• 4:50
  Speaker 3: I like that. So Marcus Barney aka him five hundred,
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  Speaker 3: Welcome to EYL. Thank you for joining us.
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  Speaker 4: And I appreciate you guys having me. I appreciate it.
• 4:58
  Speaker 4: I'm excited.
• 4:59
  Speaker 3: Yeah, man, yeah, yeah, So let's let's jump right into it.
• 5:01
  Speaker 3: So you have a whole community and you teach thousands
• 5:06
  Speaker 3: of people. But it didn't always start like that, right,
• 5:09
  Speaker 3: So from my understanding, you started as a manager in
• 5:13
  Speaker 3: the cell phone store.
• 5:15
  Speaker 1: Yeah, so I getting started, one of the things that
• 5:18
  Speaker 1: I noticed was, I mean, early on what I started
• 5:21
  Speaker 1: was that was actually doing self phone repair. But I
• 5:23
  Speaker 1: started with real estate at eighteen in California. But that
• 5:27
  Speaker 1: was two thousand and six, market crash two thousand and seven,
• 5:30
  Speaker 1: two thousand and eight, I moved to Atlanta. So when
• 5:32
  Speaker 1: I moved to Atlanta, I found myself doing cell phone
• 5:36
  Speaker 1: repairing cell phones, like doing run around the city fixing
• 5:40
  Speaker 1: everybody's cell phones, and ended up landing me in a
• 5:42
  Speaker 1: cell phone repair shop, and I partnered with the owner
• 5:44
  Speaker 1: and then I started to run a cell phone shop
• 5:48
  Speaker 1: for him on a cell phone repair shot.
• 5:51
  Speaker 3: Okay, so how did that morph into because I know
• 5:54
  Speaker 3: there was some trials and tribulations up to them, How
• 5:57
  Speaker 3: did that turn into what you're doing now?
• 6:01
  Speaker 1: Honestly, that's one of the things that I don't even
• 6:04
  Speaker 1: think a lot of people don't know, share a little
• 6:08
  Speaker 1: bit of insights that I ran into a time at
• 6:11
  Speaker 1: that age, between the age of eighteen and twenty five.
• 6:14
  Speaker 1: I always tell people it's like the most trying time
• 6:16
  Speaker 1: for a young man. And I let money get ahead
• 6:20
  Speaker 1: of me right I started making I probably was making
• 6:22
  Speaker 1: seven to ten thousand dollars a month at the time,
• 6:25
  Speaker 1: had maybe thirty forty thousand dollars in savings. And so
• 6:29
  Speaker 1: as it started to grow, I started to become addicted
• 6:32
  Speaker 1: to money, you know. And as money starts to play
• 6:35
  Speaker 1: a part, it plays, it agreed comes in the play.
• 6:38
  Speaker 1: And what happened was is that the owner Sprint, came
• 6:41
  Speaker 1: and told us, basically, if you don't have three locations,
• 6:45
  Speaker 1: you have to shut your repair center down. What a
• 6:47
  Speaker 1: repair center was making us about twenty plus thousand a
• 6:49
  Speaker 1: month with me running it, I was bringing I was
• 6:52
  Speaker 1: taking fifty percent, he was taking fifty percent. He put
• 6:55
  Speaker 1: it in. He was like, yo, well listen, give me
• 6:58
  Speaker 1: some time. I'm gonna figure something out. But at this
• 6:59
  Speaker 1: time on everybody was like buying iPhones, you know, on
• 7:03
  Speaker 1: the black market, to resell to send overseas. And this
• 7:06
  Speaker 1: is when Sprint first started doing it. So people will
• 7:09
  Speaker 1: come in and people will try to buy iPhones from
• 7:11
  Speaker 1: us for like three four hundred bucks over regular price,
• 7:15
  Speaker 1: but we got paid off the contract. Well, he was like, yo,
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  Speaker 1: if I may have an account that probably can order
• 7:25
  Speaker 1: like a few hundred iPhones, you think that the people
• 7:29
  Speaker 1: will buy them. Like, I'm sure they'll buy guaranteed.
• 7:34
  Speaker 4: It's like the first iPhone.
• 7:36
  Speaker 1: This is the it was multiple but it was when
• 7:38
  Speaker 1: they first came to Sprint. So I'm like, yeah, for
• 7:41
  Speaker 1: sure they're buying. I put the phone call in. He
• 7:46
  Speaker 1: brought the account ordered one hundred, one hundred iPhones, one
• 7:50
  Speaker 1: hundred and fifty iPhones. They was worth one hundred thousand dollars. Well,
• 7:55
  Speaker 1: we sold them, split it and twenty two years old.
• 8:02
  Speaker 1: I don't know the back end yet. I don't really
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  Speaker 1: know business.
• 8:05
  Speaker 4: He said. Insurance are covered MI.
• 8:08
  Speaker 1: I'm like, yeah, Well he found out the rough and
• 8:12
  Speaker 1: the rugged truth insurance only covered six thousand dollars. Since
• 8:17
  Speaker 1: insurance covered six thousand dollars, you owe ninety four thousand
• 8:21
  Speaker 1: on one hundred thousand dollars worth of iPhones. They already
• 8:24
  Speaker 1: then came out and looked into it. Nobody figured out
• 8:27
  Speaker 1: what happened where they got ordered from nothing, but since
• 8:32
  Speaker 1: it came under his story ID it came back a
• 8:37
  Speaker 1: year later he goes and submits information and say, well,
• 8:40
  Speaker 1: it came from this IP address, and if it came
• 8:43
  Speaker 1: from this IP address, he did it and threw me
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  Speaker 1: under the bus. And at this time, now I'm twenty three,
• 8:53
  Speaker 1: twenty four, twenty three almost twenty four, were going back
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  Speaker 1: and forth to court and my lawyer just go He's
• 9:01
  Speaker 1: just like, yo, listen, it's nothing concrete saying you did it.
• 9:05
  Speaker 1: But I've seen people convicted on less and I would
• 9:08
  Speaker 1: hate for you to go and fight it and still lose.
• 9:12
  Speaker 1: And I'm like his role, he said, you can put
• 9:15
  Speaker 1: that in there, like basically, if you tell and go
• 9:18
  Speaker 1: to prison, you're still going to Now you're going to
• 9:20
  Speaker 1: go to prison with the jacket on like a jail.
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  Speaker 4: You told. So what's your options is it go to
• 9:26
  Speaker 4: jail or repay? Did they give you that option? Like
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  Speaker 4: you got to pay this ninety four thousand or go
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  Speaker 4: to jail.
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  Speaker 1: So that's what they what they did was it's crazy, listen.
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  Speaker 1: This is one of the reasons and I always say it,
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  Speaker 1: I'm thankful I had a white lawyer for so long.
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  Speaker 1: We didn't see eye to eye.
• 9:42
  Speaker 4: I let him go.
• 9:44
  Speaker 1: I was going back and forth to court, and I
• 9:47
  Speaker 1: hire one of my friend's wife to be my lawyer.
• 9:50
  Speaker 1: She was a lawyer. She came to court and when
• 9:53
  Speaker 1: she came to court, she came to court with a
• 9:56
  Speaker 1: Louis bag, diamond bracelet, nice watch, a diamond ring, right.
• 10:04
  Speaker 1: And I look and I go, you like you look
• 10:06
  Speaker 1: popping keep it a buck like you pop it right.
• 10:12
  Speaker 1: And I'm just thinking to myself, like I'm fin think
• 10:14
  Speaker 1: get grilled. We walk in and DA switched. It was
• 10:18
  Speaker 1: nothing but black women. DA's It was a new black girl,
• 10:21
  Speaker 1: D eight and all her assistants and her whole team
• 10:23
  Speaker 1: was black women. Every other lawyer in the courtroom that
• 10:26
  Speaker 1: day was white white men. They some kind of black
• 10:32
  Speaker 1: girl magic happened. She came back and she said, well, listen,
• 10:39
  Speaker 1: how much you feel comfortable that you owe? What's your
• 10:42
  Speaker 1: rep what's the part you feel like you?
• 10:44
  Speaker 4: Oh?
• 10:44
  Speaker 1: I said sixty thousand. She was like okay, they said,
• 10:48
  Speaker 1: you pay the sixty thousand back, you get probation, and
• 10:51
  Speaker 1: you get first offenders like it never happened. And I'm
• 10:56
  Speaker 1: looking at thinking to myself, I've been fighting this case
• 10:58
  Speaker 1: two years going back and forth court and it's over.
• 11:03
  Speaker 1: She yeah, it's over sixty thousand and it's over. But
• 11:08
  Speaker 1: the part, the most trying part, was through the time.
• 11:13
  Speaker 1: I've never been in that situation. So through that time,
• 11:16
  Speaker 1: I don't know what life is because I don't got control.
• 11:19
  Speaker 1: Now I'm like, yo, I have no control over my life.
• 11:22
  Speaker 1: I've never been in a situation where since eighteen i've
• 11:25
  Speaker 1: been in real estate, I've always been ahead and in control.
• 11:28
  Speaker 1: I felt like I ran, like I ran my life,
• 11:32
  Speaker 1: and then I realized, like, yo, you better be on
• 11:35
  Speaker 1: the right path to run your life because this can
• 11:38
  Speaker 1: be gone like this. And so from there that's when
• 11:43
  Speaker 1: I realized, like we closed it out. I got that
• 11:46
  Speaker 1: behind me, and then I started figuring out, you know, me,
• 11:50
  Speaker 1: I worked in banks, so like knowing all the bank procedures,
• 11:54
  Speaker 1: but I know I can't go back if this hold
• 11:57
  Speaker 1: was above me. You know, I couldn't do it while
• 11:59
  Speaker 1: I was fighting the case. So at that point, that's
• 12:01
  Speaker 1: when really I started really learning and digging into credit
• 12:04
  Speaker 1: because I had to figure out, like, yo, I have
• 12:07
  Speaker 1: to now have my own loop, my financial backing, because
• 12:10
  Speaker 1: there's nowhere else for me to get you know, I
• 12:12
  Speaker 1: can't go to work. Kind of money I want to make,
• 12:14
  Speaker 1: I can't go to work, So I need some kind
• 12:16
  Speaker 1: of fund, some kind of trust fund behind me. And
• 12:18
  Speaker 1: I started digging into credit, really getting heavy into that,
• 12:23
  Speaker 1: and then leveraging everything I did working at the banks,
• 12:26
  Speaker 1: and ended up actually even going back to a bank,
• 12:28
  Speaker 1: getting back in and kind of helping people. And then
• 12:31
  Speaker 1: that's when the credit stuff started, because I couldn't work
• 12:33
  Speaker 1: a job because I was used to making money already.
• 12:36
  Speaker 4: That's crazy, man, I mean I read your story. It
• 12:38
  Speaker 4: was like, you've always been an entrepreneur, and so to
• 12:41
  Speaker 4: even have the sixty thousands to beat that that, I mean,
• 12:44
  Speaker 4: that's pretty remarkable.
• 12:46
  Speaker 1: So I had to make payments. I'm not gonna front.
• 12:49
  Speaker 1: I mean I had to make I had to make
• 12:50
  Speaker 1: payments to get it.
• 12:52
  Speaker 3: Then, yeah, I mean, but yeah, I mean that's one
• 12:54
  Speaker 3: of those things where it's like, sometimes everything happens for
• 12:58
  Speaker 3: a reason, well not even sometimes. Everything always happens for
• 13:00
  Speaker 3: a reason, right, And it's like, like you said, between
• 13:03
  Speaker 3: the ages of eighteen and twenty five, especially for anybody,
• 13:06
  Speaker 3: but especially young men, especially black men, it's very tempting.
• 13:09
  Speaker 3: You have a lot of temptations you have music, you
• 13:12
  Speaker 3: have just the culture, society, and a lot of times,
• 13:15
  Speaker 3: you know, we want to get to the finish line
• 13:17
  Speaker 3: a lot quicker than we should with our parents, with
• 13:21
  Speaker 3: our grandparents would advise us. And you know, a hard
• 13:24
  Speaker 3: head makes a soft fast that.
• 13:26
  Speaker 4: I was actually thinking that, like, your life is fast
• 13:28
  Speaker 4: and choosing to move quicker. And then on the other
• 13:31
  Speaker 4: part was like we always talk about this line of shot.
• 13:32
  Speaker 4: You be like, yo, change the school to cop but
• 13:34
  Speaker 4: more poort as loyalties. Yeah, but you got toot out
• 13:39
  Speaker 4: the whole.
• 13:39
  Speaker 3: But the shining light in that for me is that you,
• 13:44
  Speaker 3: you know, saying that using the financial space and me
• 13:46
  Speaker 3: being in the financial space. I know, anything on your
• 13:47
  Speaker 3: record like that, it prohibits you from a lot, like
• 13:50
  Speaker 3: ever really working in the financial space. So it's like
• 13:53
  Speaker 3: now you forced to kind of figure it out. You
• 13:56
  Speaker 3: still have a financial space mind. But that didn't happen.
• 14:00
  Speaker 3: You probably would have just been a regular corporate worker maybe,
• 14:03
  Speaker 3: but now you have to like kind of force yourself
• 14:05
  Speaker 3: in to be like an entrepreneur on the credit side
• 14:07
  Speaker 3: and learn credit. And then that blossomed until where you
• 14:11
  Speaker 3: are now.
• 14:12
  Speaker 1: So learning What happened was is that I said listen.
• 14:16
  Speaker 1: My goal wasn't even getting credit.
• 14:18
  Speaker 4: I started.
• 14:19
  Speaker 1: I learned credit when I was eighteen. My broker, my
• 14:22
  Speaker 1: real estate broker, had a credit pair company. I did
• 14:24
  Speaker 1: all the underwrite, but my goal. When I started messing
• 14:26
  Speaker 1: on credit, I go, okay, I need to get mine together, right,
• 14:30
  Speaker 1: So I start focusing on my credit, figuring it out.
• 14:33
  Speaker 1: And when everything happened, I never like literally the date
• 14:37
  Speaker 1: was January fourth. It was January fourth, two thousand and
• 14:43
  Speaker 1: fifteen when the case closed and was done January twentieth,
• 14:50
  Speaker 1: I started my credit repair company. Between that time, I
• 14:53
  Speaker 1: was figuring out what am I going to do? Like,
• 14:55
  Speaker 1: what am I going to do? I started messing my
• 14:57
  Speaker 1: credit and then I said, well, I'm gonna help other people.
• 14:59
  Speaker 1: And I remember putting it out there like yo, I'm
• 15:01
  Speaker 1: gonna help other people with their credit.
• 15:03
  Speaker 4: Right, I'm leveraging. Mind.
• 15:04
  Speaker 1: I figured it out, see people need it. I remember
• 15:07
  Speaker 1: I made eleven thousand first month. Boom, I go okay,
• 15:10
  Speaker 1: I got something. Start slowing down, and I remember like leveraging,
• 15:16
  Speaker 1: like starting to build my credit up and figuring out
• 15:18
  Speaker 1: what's the benefits because I knew it was more. It
• 15:21
  Speaker 1: had to be more than get buy a house, buy
• 15:25
  Speaker 1: a car, and get a credit card just for emergency purposes.
• 15:28
  Speaker 1: I'm like, nah, it's more to this. This has to
• 15:30
  Speaker 1: be worth more than just this what it is on
• 15:33
  Speaker 1: the simple on the surface. That's where it started to
• 15:36
  Speaker 1: like flourish, and I started digging deep into like, yo,
• 15:40
  Speaker 1: how do I really go and get money? If I
• 15:42
  Speaker 1: want to get credit card and I want to get
• 15:43
  Speaker 1: funded in front of my own business, where do how
• 15:45
  Speaker 1: I get the money?
• 15:46
  Speaker 4: So in twenty fifteen, right, you said, January, what type
• 15:49
  Speaker 4: of things are you doing to leverage your credit? At
• 15:51
  Speaker 4: this point? Are in the beginning.
• 15:52
  Speaker 1: Now, At the beginning, I was trying to make money, okay,
• 15:55
  Speaker 1: So that was the business. That was the business that
• 15:57
  Speaker 1: I had, helping people, showing them how to make money.
• 16:01
  Speaker 1: So when it came from like I remember working in
• 16:03
  Speaker 1: the banks helping helping people with it, and they still
• 16:07
  Speaker 1: couldn't get approved. So then at that point I'm going,
• 16:10
  Speaker 1: I'm looking now, And that's when I started really publicly
• 16:13
  Speaker 1: helping people versus like you know, when I was working before,
• 16:16
  Speaker 1: when I'm working in the bank going through all my trials,
• 16:20
  Speaker 1: I can help people.
• 16:21
  Speaker 4: But it was quiet.
• 16:22
  Speaker 1: It wasn't like a marketed company. So now it's out
• 16:26
  Speaker 1: publicly and I'm working it and it started bringing in
• 16:29
  Speaker 1: So now I'm going, Okay, this is my business. I'm
• 16:32
  Speaker 1: making money off of it. I have good credit. Now, okay,
• 16:36
  Speaker 1: what's the benefits and perks of it? Yeah, that's and
• 16:39
  Speaker 1: then at that point, that's when I started leveraging it,
• 16:41
  Speaker 1: like learned about rewards, how to get credit cards, how
• 16:45
  Speaker 1: to like start credit card stacking and stuff like that.
• 16:48
  Speaker 3: So all right, let's get into it. Let's get into
• 16:50
  Speaker 3: the meat and potatoes of what everybody wants to know
• 16:53
  Speaker 3: this information. So I got questions, I know Troy got
• 16:56
  Speaker 3: some questions. But one thing, that one thing that we
• 16:59
  Speaker 3: have I haven't spoken about Alisha yet, and a lot
• 17:02
  Speaker 3: of people have always asked us to cover it, and
• 17:05
  Speaker 3: they always ask questions about it. It's tradelines. So I'm
• 17:08
  Speaker 3: gonna ask you a couple of questions about tradelines. But before,
• 17:11
  Speaker 3: for people that might not even ever heard of a tradeline,
• 17:14
  Speaker 3: they don't even know what that is. What is a tradeline?
• 17:17
  Speaker 1: So a tradeline is essentially an count on your credit report.
• 17:21
  Speaker 1: So a trade line is any account on your credit
• 17:23
  Speaker 1: report that reports on your credit. So vehicle the vehicle,
• 17:26
  Speaker 1: the history of that of the vehicle from when you
• 17:29
  Speaker 1: open it to when you close it. That's a trade
• 17:32
  Speaker 1: line on your credit report. So it's any account that
• 17:34
  Speaker 1: reflects and shows on your credit report.
• 17:36
  Speaker 3: Okay, so there's like a hack where you can actually
• 17:39
  Speaker 3: add people to Tradeline.
• 17:41
  Speaker 1: As to adding people to your card as an authorized user.
• 17:44
  Speaker 1: So now what happens is this when it comes to
• 17:46
  Speaker 1: authorized users, And yes, it's a lot of details to
• 17:49
  Speaker 1: it that you have to understand, and like different applying
• 17:52
  Speaker 1: when you're applying and you know, getting different things and
• 17:54
  Speaker 1: the benefits of them.
• 17:55
  Speaker 4: But essentially what it is is that if.
• 17:57
  Speaker 1: I got a credit card and I got ten spaces available,
• 18:01
  Speaker 1: I can add you on to my credit card as
• 18:04
  Speaker 1: an authorized user.
• 18:05
  Speaker 4: And this is an authorized user tradeline.
• 18:06
  Speaker 1: If I add you on as an authorized user and
• 18:08
  Speaker 1: I have ten spots available, I charge you six to
• 18:12
  Speaker 1: fifty right, well, six fifty times ten. That's sixty five
• 18:16
  Speaker 1: hundred dollars. I'm only going to leave you on my
• 18:18
  Speaker 1: card for sixty days. I never give you access. I
• 18:21
  Speaker 1: set my account up in a way that you can't
• 18:24
  Speaker 1: compromise me. Now I make sixty five hundred dollars every
• 18:27
  Speaker 1: sixty days off on credit card. End of the year,
• 18:30
  Speaker 1: I make forty thousand dollars off having a credit card,
• 18:33
  Speaker 1: never going into debt, never actually using and spending the
• 18:36
  Speaker 1: bank's money.
• 18:38
  Speaker 3: And that's to help other people build their credit.
• 18:40
  Speaker 1: That's helping other people build and established because it comes
• 18:43
  Speaker 1: to data points on a credit card. How many positive
• 18:45
  Speaker 1: accounts do you have? What's your credit card utilization? All
• 18:48
  Speaker 1: of these things going to consideration when applying and leveraging
• 18:51
  Speaker 1: and using your credit. So when those things come into play,
• 18:54
  Speaker 1: authorized users hit so many points because it gives you accounts,
• 18:57
  Speaker 1: it gives you age history, it gives you utilization. So
• 19:01
  Speaker 1: when your utilization everything is right on your credit card.
• 19:04
  Speaker 1: All of these things reflect on your grown up person's
• 19:06
  Speaker 1: credit report. Who purchases the authorized user.
• 19:09
  Speaker 4: So if I'm the person that's the authorized user, do
• 19:11
  Speaker 4: I get a card or I don't get a card?
• 19:13
  Speaker 4: You don't get a card because like when I this
• 19:15
  Speaker 4: is crazy, Like my credit history goes back to thirty
• 19:18
  Speaker 4: five years, right, I'm thirty eight, but my mom put
• 19:22
  Speaker 4: an American Express card in my name, so my credit
• 19:25
  Speaker 4: so like technically I'm an authorized user. So that was
• 19:27
  Speaker 4: a trade line that she made for me in a sense.
• 19:29
  Speaker 1: So she gave you a card on her account. Yeah,
• 19:32
  Speaker 1: so what happened is is that if she gave you
• 19:34
  Speaker 1: a card on her account, that made you the authorized user,
• 19:38
  Speaker 1: and then that's what started building your history. But see
• 19:40
  Speaker 1: what American expressed, They don't report back history, they just
• 19:43
  Speaker 1: report going forward. So the whole time that you've had
• 19:46
  Speaker 1: that card and she opened that account up, it's been
• 19:48
  Speaker 1: on your credit right building out.
• 19:50
  Speaker 3: So let me ask you this, thanks mom, because.
• 19:53
  Speaker 4: Yeah, shout out to your mom. Thanks mam.
• 19:56
  Speaker 3: We have a large listenership in jails and the federal jails,
• 20:03
  Speaker 3: state jails. It's a very interesting dynamic. I have a
• 20:07
  Speaker 3: lot of friends, family members, and they always report back
• 20:09
  Speaker 3: to me and say that EYL is big in jail.
• 20:11
  Speaker 3: So first of all, shout out to all the guys
• 20:14
  Speaker 3: in jail, hold your head and all the returning citizens.
• 20:18
  Speaker 3: So you was giving us some game about information for
• 20:22
  Speaker 3: that right, as far as like the core logics for
• 20:24
  Speaker 3: felons and things of that nature.
• 20:26
  Speaker 1: Yeah, yeah, So now that's a whole nother bar for everybody.
• 20:29
  Speaker 1: Like listen, I come out of the community. So I've
• 20:35
  Speaker 1: been a victim of every single side of prison. Right,
• 20:39
  Speaker 1: Pop's gone for life, Uncle gone, So family members, every
• 20:44
  Speaker 1: single friend that I grew up with originally from my
• 20:46
  Speaker 1: neighborhood has went down that path. And I tell people
• 20:51
  Speaker 1: all the time is that those are some of the
• 20:53
  Speaker 1: people coming home from prison that trying to get rehabilitated
• 20:58
  Speaker 1: could be the hardest, like trying to get back in
• 21:01
  Speaker 1: the community and it's like yo, all doors shut in
• 21:03
  Speaker 1: your face. So what I tell people is that I
• 21:05
  Speaker 1: figured out was that core Logic this is what credit learning,
• 21:10
  Speaker 1: the secondary bureaus, Like most people don't know that secondary
• 21:14
  Speaker 1: bureaus is what it's some of the companies that verify
• 21:17
  Speaker 1: your data. So you got companies like Intervis, core Logics, Lexus, Nextus, Sage,
• 21:23
  Speaker 1: stream Ars. These are all companies that have secondary data
• 21:28
  Speaker 1: when it comes to your credit. So they're just data
• 21:32
  Speaker 1: furnishing companies. So when you dispute something, a lot of
• 21:35
  Speaker 1: times they're the ones who verify it. Well, I found
• 21:37
  Speaker 1: out that core Logic was the one who verified evictions
• 21:41
  Speaker 1: and convictions. At that point when I realized that core
• 21:46
  Speaker 1: Logic is the company that verifies evictions and convictions, I knew.
• 21:50
  Speaker 1: I said, listen, you mean to tell me that I
• 21:53
  Speaker 1: can fix somebody's credit, but they still get to denial.
• 21:56
  Speaker 1: We if I opt out of core logic, if you
• 21:57
  Speaker 1: got an eviction, you still can get to approval. If
• 22:01
  Speaker 1: you got a conviction, you can get to approval because
• 22:03
  Speaker 1: I never gave them permission to share that data and
• 22:05
  Speaker 1: that information. So now when you go to get an apartment,
• 22:08
  Speaker 1: now write somebody who's in a position they go listen, well,
• 22:11
  Speaker 1: I can help people get apartments. So if you understand
• 22:13
  Speaker 1: how to clean your credit and opt out of the
• 22:16
  Speaker 1: secondary bureaus, you opt out of core logics. Now you
• 22:19
  Speaker 1: can go and get an approval for apartment.
• 22:22
  Speaker 3: But that's a big thing that hold people from getting apartments,
• 22:24
  Speaker 3: is there yep.
• 22:25
  Speaker 4: So essentially, like this, I'll break down the whole blueprint.
• 22:28
  Speaker 1: This is what you're gonna do, is that you're going
• 22:30
  Speaker 1: to opt out and suppress your core Logics, Lexus, Nexus,
• 22:35
  Speaker 1: savestream ars in office. You're going to suppress all of those.
• 22:39
  Speaker 1: Once you suppress those, now you're going to force the
• 22:42
  Speaker 1: credit bureaus to do an investigation with a six oho
• 22:45
  Speaker 1: nine letter. So you use a six oh nine dispute
• 22:47
  Speaker 1: letter when you sit in that six oh nine dispute
• 22:49
  Speaker 1: letter and it's going to make them either verify that
• 22:52
  Speaker 1: this account is accurate and verify that it belongs to you. Well,
• 22:57
  Speaker 1: now since they don't have anybody to check the accurs
• 23:00
  Speaker 1: he's with, they're gonna now have to do investigation. Most
• 23:03
  Speaker 1: likely most of the things sixty to seventy times sixties
• 23:06
  Speaker 1: to seventy percent of the negative items get removed because
• 23:09
  Speaker 1: you already remove the middleman company who's verifying everything. So
• 23:15
  Speaker 1: now once you do that, when you go to apply
• 23:17
  Speaker 1: for apartments, you now can go and apply and if
• 23:20
  Speaker 1: you've ever been evicted, it's not going to show up
• 23:22
  Speaker 1: because you suppressed core Logics. And if you got a
• 23:25
  Speaker 1: felony on your background, it's not going to show up
• 23:27
  Speaker 1: because you've.
• 23:30
  Speaker 4: Suppress the chor logic company.
• 23:31
  Speaker 3: But like, how do you suppress it?
• 23:32
  Speaker 4: Like you have to what's the time length on the suppression?
• 23:35
  Speaker 4: Does that happen? So suppress you?
• 23:37
  Speaker 1: Basically what you do is freeze the report and opt
• 23:39
  Speaker 1: out of them report sewing, and they do it and
• 23:41
  Speaker 1: definitely until you opt back in.
• 23:43
  Speaker 3: So you like call them and say I want to
• 23:44
  Speaker 3: opt out.
• 23:45
  Speaker 1: Yeah, so you can call them, you could call or
• 23:47
  Speaker 1: you can do it online. So if you like Google
• 23:51
  Speaker 1: like Lexus Nexus opt out. You can Google it and
• 23:54
  Speaker 1: it'll pop up and take you to the form to
• 23:56
  Speaker 1: actually opt out of that report.
• 23:58
  Speaker 3: Good to know. Did you know that, Troy?
• 24:00
  Speaker 4: I did not know that.
• 24:00
  Speaker 3: I do not know.
• 24:02
  Speaker 4: I feel like there's gonna be a lot of things today.
• 24:03
  Speaker 4: We all go to learn together.
• 24:05
  Speaker 1: People don't understand listen, right and the community. That's one
• 24:07
  Speaker 1: of the dope things is that I tell people listen.
• 24:09
  Speaker 1: That's a business in itself.
• 24:10
  Speaker 4: Right.
• 24:11
  Speaker 1: We don't know about the secondary bureaus. So you mean
• 24:13
  Speaker 1: to tell me, I say, listen. You mean to tell
• 24:15
  Speaker 1: me that there's companies out there that do all this information.
• 24:18
  Speaker 1: I say, well, listen to one company, Core Logic gives
• 24:21
  Speaker 1: us a whole business model. Because if I opt out
• 24:25
  Speaker 1: of that, I can now help people clean their credit.
• 24:28
  Speaker 1: That's a service. I can now help you get an apartment.
• 24:32
  Speaker 1: That's a service. I can bundle it together if I want.
• 24:34
  Speaker 1: But listen, I help you get an apartment. Now what
• 24:37
  Speaker 1: else do I do? If I know I'm helping people
• 24:39
  Speaker 1: get into condos? Listen, I'm gonna find that the newest
• 24:41
  Speaker 1: building that's not fully occupied, and I'm gonna send people there.
• 24:44
  Speaker 1: Well after three or four people go in and be like, yo,
• 24:46
  Speaker 1: him five hundred sent me in here to get apartment.
• 24:48
  Speaker 1: They're gonna kind of get familiar and be wonder who's
• 24:50
  Speaker 1: in five hundred. And then I show up with gift
• 24:52
  Speaker 1: cards and trinkets and nice things, and I build a
• 24:55
  Speaker 1: relationship and I say, hey, listen, Now what I do
• 24:57
  Speaker 1: is I'm an apartment specialist. I just help people find
• 24:59
  Speaker 1: apartments and get into the city, especially new condos, things
• 25:02
  Speaker 1: like this, and just ensure that they can get the
• 25:04
  Speaker 1: approval when they come. Have my people been getting approved?
• 25:07
  Speaker 4: Yes?
• 25:07
  Speaker 1: Cool, boom, nice to meet you. Set this, set the
• 25:11
  Speaker 1: relationship up. Guess what happens Now I get a referral
• 25:14
  Speaker 1: fee from the leasing agent. Now I send it directly
• 25:17
  Speaker 1: to the leasing agent. She's gonna want to get paid
• 25:20
  Speaker 1: for getting people the least. Well, guess what Now I
• 25:23
  Speaker 1: get paid for helping people get the apartment from the
• 25:25
  Speaker 1: leasing agent.
• 25:25
  Speaker 4: You've been paid four times already. That's three times.
• 25:27
  Speaker 1: Three times I got paid from the client for helping
• 25:30
  Speaker 1: them with their credit. I got paid for helping them
• 25:32
  Speaker 1: get the apartment, making sure everything was approved, make sure
• 25:35
  Speaker 1: to get the approval. Then I get the referral fee
• 25:38
  Speaker 1: from the leasing agent. Now I'm pretty much responsible for
• 25:43
  Speaker 1: helping everybody get apartments in the city.
• 25:45
  Speaker 4: I become Penthouse Poppy.
• 25:47
  Speaker 1: Imagine right, right, right, yeah, trademark you right, So I
• 25:52
  Speaker 1: become Penthouse Poppy. So now I'm I'm in front of
• 25:54
  Speaker 1: all the fly buildings, right, I'm in front of all
• 25:57
  Speaker 1: the fly buildings. I'm in the penthouses, in the condos.
• 26:00
  Speaker 1: But what's the biggest thing when it come to these condos.
• 26:03
  Speaker 4: Furniture? Right.
• 26:05
  Speaker 1: So, now a lot of people overlook it and don't
• 26:07
  Speaker 1: realize furniture has one of the biggest markups. Right, Furniture's
• 26:10
  Speaker 1: markup is ridiculous. So then I go to one of
• 26:14
  Speaker 1: the furniture stores, the mom and pop furniture stores in
• 26:16
  Speaker 1: the area. Guess what they do financing? You can fund,
• 26:19
  Speaker 1: you can finance furniture.
• 26:20
  Speaker 4: True.
• 26:21
  Speaker 1: So now guess what I go and build a relationship. Listen,
• 26:24
  Speaker 1: what does it take to get ten thousand dollars in furniture? Right,
• 26:27
  Speaker 1: I need a ten thousand dollars approval. Let me see
• 26:29
  Speaker 1: what that credit report needs to look like. What does
• 26:31
  Speaker 1: this need to look like? This approval process. Now, when
• 26:33
  Speaker 1: I get people apartments, I'm gonna send you to the
• 26:36
  Speaker 1: local furniture store to now even get the furniture. I'm
• 26:39
  Speaker 1: not gonna charge you for that. No, I got the relationship.
• 26:42
  Speaker 1: I'm gonna charge the furniture store. And hey, listen, Markup
• 26:46
  Speaker 1: is crazy on this. You probably selling for ten thousand,
• 26:48
  Speaker 1: you giving them twenty five hundred dollars worth of furniture,
• 26:51
  Speaker 1: maybe four. I need a seven hundred and fifty dollars
• 26:54
  Speaker 1: referral fee for every client.
• 26:55
  Speaker 4: I send it here. But when I go in, you
• 26:57
  Speaker 4: go in and introduce yourself. Is listen, makeup.
• 26:59
  Speaker 1: And I'm a part and specialists, right, I specialize in
• 27:02
  Speaker 1: and I'm an occupancy specialist. Right, I specialize in getting
• 27:06
  Speaker 1: all the apartments in the area fully occupied or an
• 27:08
  Speaker 1: occupancy level of ninety five plus percent. They're gonna be confused.
• 27:14
  Speaker 1: I don't know what that is. But he get people apartments.
• 27:16
  Speaker 1: I got a list of people that.
• 27:18
  Speaker 4: Need furniture and terry decorated to you.
• 27:20
  Speaker 1: Yeah right, yeah, I do interior decorated. So now I
• 27:24
  Speaker 1: get paid. Now only am I helping you get the apartment.
• 27:27
  Speaker 1: I'm getting paid from getting you the apartment from the
• 27:29
  Speaker 1: least an agent. And I'm over here with the furniture
• 27:31
  Speaker 1: guy and get a kick on the back end, because
• 27:33
  Speaker 1: I'm gonna tell you, hey, listen, your credit is together.
• 27:34
  Speaker 1: You can go over here and get ten thousand furniture.
• 27:37
  Speaker 1: Now your condo is furnished. And now you just got
• 27:40
  Speaker 1: paid four times. Now you get paid four times. That's Penhouse, Poppy.
• 27:43
  Speaker 1: That's a business for anybody that's listening. It don't matter
• 27:46
  Speaker 1: what your background is, it don't matter.
• 27:47
  Speaker 4: It all started from you just suppressing one thing so
• 27:50
  Speaker 4: somebody could be approved.
• 27:52
  Speaker 1: Literally, that's that's realistically. I used to run that company
• 27:56
  Speaker 1: and that's where it started from. That's literally how that
• 27:58
  Speaker 1: business started.
• 27:58
  Speaker 3: You know what.
• 27:59
  Speaker 1: Derek Grace, Yeah, I don't know him personally, but online
• 28:02
  Speaker 1: see him.
• 28:03
  Speaker 3: Uh, that's that's our guy, good friend of ours. He posted,
• 28:07
  Speaker 3: I mean, he posted a post of yours and he
• 28:10
  Speaker 3: was like, I don't know bro, but he dangerous.
• 28:14
  Speaker 4: Yeah listen, I'm gonna tell you.
• 28:15
  Speaker 1: I'm gonna tell you, right, I watched Bro posts and
• 28:18
  Speaker 1: and and I and I look and I be like, boy,
• 28:20
  Speaker 1: he we we do different stuff, right, But I said, yo,
• 28:25
  Speaker 1: he he give it up?
• 28:26
  Speaker 4: Like he not?
• 28:27
  Speaker 1: He not capping on nothing. He says, like even from
• 28:30
  Speaker 1: you know, I look, I don't care.
• 28:32
  Speaker 4: I'm wearing diamonds.
• 28:34
  Speaker 1: Yeah, but you know, but you know, even with the
• 28:39
  Speaker 1: gold game man like bro Vicious, Now it's much respect.
• 28:42
  Speaker 3: When he said that that was real, he actually got
• 28:45
  Speaker 3: my attention with that. I'm like, nah, it's Dode is
• 28:47
  Speaker 3: dangerous man, He's dangerous. Like it's a lot of your
• 28:51
  Speaker 3: information is the most important thing in the world, like
• 28:54
  Speaker 3: because it's like there's so much stuff that you can
• 28:56
  Speaker 3: just change your whole, your whole life, your whole your
• 28:58
  Speaker 3: whole generation with just a few vital pieces of information.
• 29:03
  Speaker 1: It's all to take, and it's so many of us
• 29:05
  Speaker 1: out here leading away giving it up to us and
• 29:08
  Speaker 1: giving the information of to really see how people could
• 29:10
  Speaker 1: change their life. Like I just laid out, like we're
• 29:12
  Speaker 1: on a public podcast, and I just gave out a
• 29:14
  Speaker 1: whole business plan off of leveraging one piece of information
• 29:17
  Speaker 1: before that, I gave a blueprint.
• 29:19
  Speaker 4: I hope they take notes, like, listen.
• 29:20
  Speaker 1: I'm giving you. I gave the blueprint. This is how
• 29:23
  Speaker 1: you clean your credit after I use a six or
• 29:26
  Speaker 1: nine letter. Get familiar with companies like CFPB. This is
• 29:30
  Speaker 1: the companies that regulate the credit bureaus. These are things
• 29:32
  Speaker 1: that we need to know information that we need and
• 29:35
  Speaker 1: I'm looking now when I go, we start looking, and
• 29:38
  Speaker 1: so many lives. It's changing off of information.
• 29:42
  Speaker 4: Yes, it's a lot.
• 29:43
  Speaker 3: Let me ask you. Let me ask you another question.
• 29:45
  Speaker 3: You got an interesting thing when you said that turn
• 29:47
  Speaker 3: a liability into an asset, And that really struck my
• 29:51
  Speaker 3: attention because it's, like you said, we've been programmed so
• 29:53
  Speaker 3: long to think that everything is liability on a certain level,
• 29:59
  Speaker 3: like that an asset, traditional assets like cars for instance. Right,
• 30:03
  Speaker 3: it's like no matter Like we did a video about
• 30:05
  Speaker 3: how to like put your car in your business name
• 30:07
  Speaker 3: and take the deduction and all that, and a lot
• 30:09
  Speaker 3: of people was like that. I didn't know any But
• 30:11
  Speaker 3: then there was always some skeptics like, well it's still
• 30:13
  Speaker 3: a liability. You still wasting money on it. Well you
• 30:15
  Speaker 3: broke down something, and that was kind of crazy. You
• 30:18
  Speaker 3: got my attention to how you can actually turn make
• 30:21
  Speaker 3: money with the car, like running ads and can you
• 30:25
  Speaker 3: talk about that logit?
• 30:26
  Speaker 1: Yeah, So when it comes to that, one of the
• 30:28
  Speaker 1: things is that, look, I it's fraying and it probably
• 30:32
  Speaker 1: rub people the wrong way. Cars are liabilities, right, that's
• 30:37
  Speaker 1: a nineteenth century mindset, right, Take that back. That's in
• 30:42
  Speaker 1: the nineties and the eighties that that mindset exists. It's
• 30:45
  Speaker 1: not relevant now. Only people that that's relevant to is
• 30:48
  Speaker 1: people who won't acquire new information and don't stay up
• 30:50
  Speaker 1: to date with systems, right, because it's no way that
• 30:52
  Speaker 1: you can look at a vehicle unless you just don't
• 30:54
  Speaker 1: have the information. I got friends that make six figures
• 30:58
  Speaker 1: off of vehicles. No way you're gonna tell me that
• 31:01
  Speaker 1: that's a liability. It's a liability if we don't utilize it. Right.
• 31:04
  Speaker 1: So then I started telling people, I say, listen, you
• 31:06
  Speaker 1: won't you want to learn? Okay, here, let's take a car,
• 31:08
  Speaker 1: like a smart car.
• 31:09
  Speaker 3: Right.
• 31:10
  Speaker 1: I went and found the littlest car, right, littlest car
• 31:13
  Speaker 1: that nobody wants. When I tell you, right, it's the
• 31:16
  Speaker 1: smart car for two right, Listen to me.
• 31:19
  Speaker 4: I didn't think it was yours when I saw it, Right,
• 31:20
  Speaker 4: I did. That's all you driving?
• 31:21
  Speaker 1: I say, yeah, right, and I'm like yo, Like I
• 31:24
  Speaker 1: put music in and everything got beat.
• 31:26
  Speaker 4: I'm like, listen.
• 31:27
  Speaker 1: Funny thing is that I bought a smart car, and
• 31:29
  Speaker 1: then not only so, I bought a smart car. I
• 31:32
  Speaker 1: tell people, listen, let me explain something to you. I
• 31:34
  Speaker 1: got the smart car. And this is what I teach
• 31:36
  Speaker 1: people as well. I say, look, you can go to
• 31:38
  Speaker 1: a swap police and literally do a least takeover, put
• 31:41
  Speaker 1: no money down out of pocket. Get a car that
• 31:44
  Speaker 1: costs two hundred dollars a month. This vehicle costs two
• 31:46
  Speaker 1: hundred dollars a month. Now what happens next? Since this
• 31:49
  Speaker 1: vehicle costs two hundred dollars a month, I say, he listen,
• 31:51
  Speaker 1: early leisure. I got a car that's gonna be in
• 31:54
  Speaker 1: in downtown Metro Atlanta twelve hours a day. It'll probably
• 31:57
  Speaker 1: get exposed to about twenty thirty thousand people a month.
• 32:00
  Speaker 1: Give me two hundred bucks. I want to put earn
• 32:02
  Speaker 1: your leisure on the left side in your company promotion.
• 32:05
  Speaker 4: Is that something that you'll be okay with? Will do it?
• 32:10
  Speaker 3: Sold lights? Right?
• 32:12
  Speaker 4: That's that's light. Okay.
• 32:14
  Speaker 1: Well, guess what I'm gonna get somebody else to put
• 32:17
  Speaker 1: their business on the on the right side. I'm gonna
• 32:20
  Speaker 1: get another business to put their business on the back
• 32:22
  Speaker 1: of the door, on the back of the vehicle.
• 32:24
  Speaker 4: Right.
• 32:25
  Speaker 1: I now make six hundred bucks off of two hundred
• 32:27
  Speaker 1: dollars liability. Then I say, say, well, how you gonna
• 32:33
  Speaker 1: keep it in the Metro Atlanta for twelve hours a day.
• 32:36
  Speaker 1: You're gonna drive it. No, I'm gonna go and hire
• 32:39
  Speaker 1: somebody to drive it. So now I'm gonna, well, I'm
• 32:41
  Speaker 1: gonna rent the car out to somebody who want to
• 32:43
  Speaker 1: drive for Uber Eats, grub Hub, door Dash, one of
• 32:46
  Speaker 1: the grocery delivery services. Look, give me one fifty a week.
• 32:50
  Speaker 1: You don't pay gas or insurance. You give me one
• 32:53
  Speaker 1: fifty a week, and you use the vehicle. Now I
• 32:56
  Speaker 1: got and you use the car six hours a day.
• 32:58
  Speaker 1: You got options, you got access to six hours a day,
• 33:01
  Speaker 1: seven days a week.
• 33:03
  Speaker 4: That's one person. I do two people.
• 33:05
  Speaker 1: So now that's twelve hours. That's the twelve hour shift
• 33:08
  Speaker 1: in the day. That's two people paying me one fifty
• 33:11
  Speaker 1: one fifty a week. That's three hundred dollars. That's twelve
• 33:14
  Speaker 1: hundred dollars a month. So now making twelve hundred dollars
• 33:17
  Speaker 1: a month off the drivers, six hundred off the advertisement,
• 33:20
  Speaker 1: that's eighteen hundred dollars a month. Sixteen hundred of that
• 33:23
  Speaker 1: is profit. I'm making sixteen hundred dollars profit off of
• 33:27
  Speaker 1: one vehicle that they said was a liability. If I
• 33:31
  Speaker 1: got two cars. I'm thirty two hundred dollars to the
• 33:33
  Speaker 1: good every month to the good, thirty two hundred dollars
• 33:37
  Speaker 1: a month straight cash on.
• 33:38
  Speaker 4: Me what it's one of the best things I've heard
• 33:40
  Speaker 4: you say, Man, mindset is the only liability.
• 33:42
  Speaker 1: It's and now you make thirty two hundreds a month.
• 33:45
  Speaker 1: Imagine this. What's your background need to be? What do
• 33:49
  Speaker 1: you need a degree in? That's thirty two hundred dollars
• 33:51
  Speaker 1: a month paying for a vehicle. Now, if you really
• 33:54
  Speaker 1: get tricky and you understand is that then you go, well,
• 33:56
  Speaker 1: it's the other cars out there, and you can look
• 33:58
  Speaker 1: up it's websites that attack and say, hey, look, these
• 34:00
  Speaker 1: cards perform the best on touro. Right, you can literally
• 34:03
  Speaker 1: get one of those cards and then make it pay
• 34:05
  Speaker 1: for your other ones, or you just use it as income.
• 34:10
  Speaker 1: You come home and you're like, yo, I got my
• 34:11
  Speaker 1: credit together, but I don't know what to do with it.
• 34:13
  Speaker 4: How do I turn my credit to cash?
• 34:15
  Speaker 1: That's one of the credit to cash strategies is actually
• 34:17
  Speaker 1: learning how to execute and learn systems.
• 34:20
  Speaker 4: All right, So I want to talk about something that
• 34:23
  Speaker 4: was a whole lot of game what you're known for,
• 34:25
  Speaker 4: and that's turning credit into cash. Most people, when we
• 34:29
  Speaker 4: think credit cards and how we get cash on it,
• 34:31
  Speaker 4: it's like, hell, if we get a cash advance, then
• 34:33
  Speaker 4: we can take money out from it. Yeah, but your
• 34:35
  Speaker 4: strategy has no cash advance and it stills liquid and
• 34:39
  Speaker 4: can you break that down? So it's a little bit different.
• 34:41
  Speaker 1: Like it's a whole bunch of different ways, right when
• 34:43
  Speaker 1: it come to like turning credit to cash. And I
• 34:47
  Speaker 1: tell people one you don't ever want to do. If
• 34:49
  Speaker 1: you had to pull money out doing a cash advance,
• 34:51
  Speaker 1: they're going to charge you more and they hit you
• 34:53
  Speaker 1: with extra fees and a higher percentage. So I tell
• 34:55
  Speaker 1: people kind of stay away from the cash advances. But
• 34:57
  Speaker 1: I do things like it's just ways to generate cash.
• 35:00
  Speaker 1: That's like my mindset is entrepreneur at all time. So
• 35:02
  Speaker 1: like I tell people do things like you know, knowing
• 35:05
  Speaker 1: which credit cards to use to do certain things. For example,
• 35:10
  Speaker 1: if I go and run ads, right, like I could
• 35:14
  Speaker 1: run ads, and when I run ads, I can run
• 35:17
  Speaker 1: ads and generate income back. But if I wanted to
• 35:20
  Speaker 1: like pull money off, like what you just said, something
• 35:22
  Speaker 1: like you just said, like trying to pull money off
• 35:23
  Speaker 1: without doing a cash advans fee One of the things
• 35:26
  Speaker 1: that we used to do for fun is like I
• 35:28
  Speaker 1: would go on a cruise and because when I go
• 35:30
  Speaker 1: on a cruise ship, guess what happens on a cruise
• 35:32
  Speaker 1: ship is that they give you the debit card the
• 35:36
  Speaker 1: room key. So when I go on a cruise ship
• 35:38
  Speaker 1: and use the room key, I would just go to
• 35:40
  Speaker 1: the casino and get twenty thirty thousand chips and get
• 35:44
  Speaker 1: a cashier check and go home. I just pulled my
• 35:48
  Speaker 1: money off my credit card, and I got reward points
• 35:50
  Speaker 1: because I was on a cruise ship. So since you're
• 35:52
  Speaker 1: on a cruise ship, you get five points per dollar.
• 35:55
  Speaker 1: So since I'm on a cruise ship, I get five
• 35:57
  Speaker 1: points per dollar. I literally got chips. With the room key,
• 36:00
  Speaker 1: I can max every card of if I wanted to
• 36:02
  Speaker 1: and go home with the cashiers check if I needed
• 36:04
  Speaker 1: to use it to invest whatever I needed to do,
• 36:06
  Speaker 1: and I still accumulated the reward points. So if I
• 36:08
  Speaker 1: need to go buy a house, I literally can go
• 36:10
  Speaker 1: on a cruise three days for two hundred bucks, go
• 36:12
  Speaker 1: pull off fifty thousand, come home with cashier checks, and
• 36:16
  Speaker 1: go do my investment.
• 36:17
  Speaker 4: But you sold you. This guy is name, So when
• 36:22
  Speaker 4: you take the twenty, no Joe. So when you take
• 36:24
  Speaker 4: the twenty, you are paying the twenty back, but you
• 36:27
  Speaker 4: are redeeming the rewards.
• 36:29
  Speaker 1: Points that come with spending that amount of money. You
• 36:31
  Speaker 1: can keep the reward points. That's the perks and benefits
• 36:33
  Speaker 1: of having credit. And that's one of the main perks
• 36:35
  Speaker 1: and benefits of having credit I tell people is that
• 36:38
  Speaker 1: credit cards versus debit cards is that you spend your cash,
• 36:41
  Speaker 1: you get nothing back. You don't get big interest from
• 36:44
  Speaker 1: letting it sit in the bank. Right, But how do
• 36:46
  Speaker 1: we actually use the bank for a benefit? What do
• 36:49
  Speaker 1: we get from the bank? And one of the things
• 36:51
  Speaker 1: is that why they incentivized it was the reward points.
• 36:54
  Speaker 1: But a lot of people in our community don't have
• 36:56
  Speaker 1: that information and know how to use the incentives that
• 36:59
  Speaker 1: they give us.
• 37:00
  Speaker 4: We don't even do the research. The research. I feel
• 37:02
  Speaker 4: like like that's like the fine line, Like nobody's reading
• 37:06
  Speaker 4: the fine line, Like, yo, you get this these? I
• 37:08
  Speaker 4: mean the most we ever look at. It's like, yo,
• 37:09
  Speaker 4: can we get airplane rewards or airport awards and hotel rewards?
• 37:14
  Speaker 4: But there's so many other things like that.
• 37:17
  Speaker 1: You can actually be using this for yo. Listen, Right,
• 37:20
  Speaker 1: is that one of the key things is this right.
• 37:23
  Speaker 4: Today.
• 37:24
  Speaker 1: You know I got on recession proof, right, But I'm
• 37:27
  Speaker 1: an advocate of my community. I'm advocated where I come from.
• 37:30
  Speaker 1: Some people will be like, yo, it's eight in y'all,
• 37:32
  Speaker 1: we shouldn't wear designer clothes. We shouldn't do this and
• 37:35
  Speaker 1: do that. Wear support black, own whatever it is, whatever
• 37:39
  Speaker 1: you want to wear where naturally you know, things that's
• 37:42
  Speaker 1: made from natural products, not cotton. I like wearing nice
• 37:48
  Speaker 1: clothes Louis vu Tom FINDI right now some of my
• 37:51
  Speaker 1: favorite dre But I know everybody, a lot of people
• 37:55
  Speaker 1: in the community, this is what they're after. These the
• 37:57
  Speaker 1: things that they desire to wear because it gets a status, right.
• 38:00
  Speaker 1: It's kind of a sense of status, and I'll keep
• 38:02
  Speaker 1: it a buck it is. It's a sense of status
• 38:04
  Speaker 1: that people want something that costs more, something that's extra
• 38:06
  Speaker 1: fly and make it separate. We got people growing up
• 38:09
  Speaker 1: that in the kids that don't know how to actually
• 38:14
  Speaker 1: go and get it without doing something illegal. Right, So
• 38:18
  Speaker 1: they going selling drugs and robbing people for these designer
• 38:21
  Speaker 1: clothes because nobody told them that, Hey, listen, you can
• 38:23
  Speaker 1: actually be an entrepreneur and learn business for you could
• 38:25
  Speaker 1: leverage credit and get it for free. So what I
• 38:28
  Speaker 1: did was this, I started going and don't I don't
• 38:32
  Speaker 1: want to spend my money on stuff. I'm cheap, right,
• 38:33
  Speaker 1: I really don't like spending my money. So when I
• 38:36
  Speaker 1: get designer clothes, I get it for free. I'm not
• 38:38
  Speaker 1: going to spend cash. So in order for me to
• 38:40
  Speaker 1: get designer clothes, I say, listen, I can run up
• 38:42
  Speaker 1: my reward points and then redeem the transaction. So when
• 38:48
  Speaker 1: I go, like I went and went to Louis Vuitton,
• 38:51
  Speaker 1: spent six thousand, right like, sixty five hundred dollars in
• 38:54
  Speaker 1: Louis Vuitton, and I literally redeem my reward points to
• 38:57
  Speaker 1: cover it. How do you get the reward points? People
• 39:00
  Speaker 1: don't know. It's the benefits of a credit card. Like
• 39:02
  Speaker 1: you said, your gold American Express card alone gives you
• 39:06
  Speaker 1: four to five points per dollar, four to five points
• 39:09
  Speaker 1: per dollar every dollar you spend on running ads. So
• 39:14
  Speaker 1: you mean to tell me you're gonna incentivize me making
• 39:18
  Speaker 1: money with your money. Here's one hundred thousand dollars credit card.
• 39:24
  Speaker 1: Go run and spend it. Run ads to market your
• 39:28
  Speaker 1: business and get in front of people. And I'm gonna
• 39:30
  Speaker 1: give you rewards for using my money. I ran one
• 39:35
  Speaker 1: hundred thousand ads may had a million dollar money on
• 39:41
  Speaker 1: the back end. They gave me seventy five hundred.
• 39:44
  Speaker 4: Can we not let that just go over everybody's We're
• 39:48
  Speaker 4: just I mean, congrats to you for that.
• 39:52
  Speaker 1: Nah, I appreciate it. I appreciate it. But that is
• 39:57
  Speaker 1: is that even with that, I'm gonna stay on that power.
• 40:00
  Speaker 1: And nobody can say it's not powering a black dollar, right,
• 40:04
  Speaker 1: because that is the black dollar. These are things that
• 40:06
  Speaker 1: are in services and the community. I built for our community,
• 40:09
  Speaker 1: and so this is our money circulating within our community.
• 40:13
  Speaker 1: But I literally this is the point, is that the
• 40:15
  Speaker 1: information I literally ran off my amex goal, spent one
• 40:19
  Speaker 1: hundred thousand, wrung back a million, and then got close
• 40:26
  Speaker 1: to like nine thousand reward points. So then I redeemed
• 40:29
  Speaker 1: it and went shopping at Louis spent six thousand.
• 40:32
  Speaker 4: So when are you redeeming it? Are you getting a
• 40:34
  Speaker 4: gift card to the store, Like, are you getting like
• 40:36
  Speaker 4: a SAX card or how's that work? Well?
• 40:38
  Speaker 1: No, I literally went shopping. Swipe my card. When I
• 40:41
  Speaker 1: go shopping and swipe the card, I literally go in
• 40:44
  Speaker 1: and you can go into the reward the membership site
• 40:47
  Speaker 1: and you just go, hey, redeem purchase. So you just
• 40:49
  Speaker 1: redeem the points to cover the purchase the transaction that
• 40:52
  Speaker 1: you made and it covered, gotcha.
• 40:54
  Speaker 3: Yeah. And the good thing is you can use that
• 40:55
  Speaker 3: for variety of different things like travel anything. So it's
• 40:58
  Speaker 3: like you're not paying for like you SA. I mean,
• 41:00
  Speaker 3: it's like anything that you do. And that's I'm glad
• 41:03
  Speaker 3: you said that because it's like I feel like it's
• 41:04
  Speaker 3: financial literacy teachers. It's our job to do things responsible.
• 41:09
  Speaker 3: So like even when we got our cars, me, Matt
• 41:12
  Speaker 3: and Troy, we got raped.
• 41:14
  Speaker 4: This episode is brought to you by P and C Bank.
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• 44:03
  Speaker 3: Thank rovers. But we made a video and in what
• 44:05
  Speaker 3: like semi viral, but I put it in there like
• 44:08
  Speaker 3: don't think that we just did this irresponsibly. And then
• 44:11
  Speaker 3: we made like a whole video like explaining like how
• 44:14
  Speaker 3: you can actually put your car in your business name
• 44:16
  Speaker 3: and take a deduction and all of that. So it's
• 44:17
  Speaker 3: like when people see you with you know, these designer
• 44:20
  Speaker 3: clothes on, it's not like he's just getting money and
• 44:23
  Speaker 3: just spending it on that. Technically, it didn't really cost
• 44:26
  Speaker 3: you anything because you're paying for it with reward points.
• 44:30
  Speaker 3: You reinvested your money into your business, which grossed more money,
• 44:34
  Speaker 3: but you didn't even take the profit of that. You
• 44:36
  Speaker 3: just used the reward points to pay for that.
• 44:39
  Speaker 1: And I ain't even reinvest my money in my business.
• 44:41
  Speaker 1: I'm gonna use their money again next month to make
• 44:43
  Speaker 1: more money.
• 44:44
  Speaker 3: Well, yeah, because the credit credit.
• 44:46
  Speaker 4: I use my money go buy stuff. I think the
• 44:48
  Speaker 4: best part is what you said is like, y'all, chief,
• 44:51
  Speaker 4: I don't like spending my money. I'm buying that. I'm buying.
• 44:53
  Speaker 1: I'm in the middle right now buying a bank one
• 44:57
  Speaker 1: point five million. I'm buying a bank in the sense
• 45:00
  Speaker 1: I'm buying the land.
• 45:01
  Speaker 3: Talk about that, talking about that break.
• 45:04
  Speaker 1: Right, yeah, listen, right, So right now I'm in negotiations
• 45:08
  Speaker 1: of buying a piece of land that a bank happens
• 45:11
  Speaker 1: to sit on, a sun Trust bank.
• 45:13
  Speaker 4: They have a twelve year lease in Georgia. Yeah, in Georgia.
• 45:16
  Speaker 1: And they're then the amount they pay is about one
• 45:21
  Speaker 1: twenty a year. They pay one twenty a year on
• 45:24
  Speaker 1: the lease. They got a twelve year lease. The property
• 45:26
  Speaker 1: is like one point five. I'm trying to give them
• 45:28
  Speaker 1: one point five for the land. Now I own that
• 45:31
  Speaker 1: they have a twelve year lease, meaning and a bare
• 45:33
  Speaker 1: minimum locking of eight years. So for the next eight years,
• 45:38
  Speaker 1: I'm gonna make one point two I mean one hundred
• 45:42
  Speaker 1: and twenty five thousand a year. That's a hell of
• 45:47
  Speaker 1: a salary off on the land on the bank. And
• 45:50
  Speaker 1: I'm still right. This is reinvest This where I put
• 45:54
  Speaker 1: my money at instead of putting it into like yo,
• 45:57
  Speaker 1: I'm gonna go buy a designer clothes. Now I'm gonna
• 45:59
  Speaker 1: keep acquiring land, keep acquiring property and really build and
• 46:03
  Speaker 1: learning what to do with money and learning how to
• 46:05
  Speaker 1: play real estate. So now I got a long term
• 46:08
  Speaker 1: hold at least now it's a bank there, I got
• 46:11
  Speaker 1: a long term play for the next eight to ten years.
• 46:13
  Speaker 1: That money now just goes back into that can go
• 46:16
  Speaker 1: and invest into it with my daughter. And now, you know,
• 46:18
  Speaker 1: especially when you can play with money, y'all get so
• 46:20
  Speaker 1: many people in here that teach us how to save
• 46:23
  Speaker 1: money and invest it and let the interest compound. You
• 46:25
  Speaker 1: imagine having one hundred and twenty five thousand coming in
• 46:27
  Speaker 1: every year compounding for the next eight years to twelve years.
• 46:31
  Speaker 3: We'll ask you this as far as the credit, because
• 46:34
  Speaker 3: you're using your AMEX to run the ads, how did
• 46:39
  Speaker 3: you get the like how did you get your first
• 46:41
  Speaker 3: business credit card? Or you're using your personal credit card
• 46:43
  Speaker 3: or is that through the business credit card?
• 46:45
  Speaker 4: Business?
• 46:45
  Speaker 1: But it started Everything starts like business credit is super sexy,
• 46:49
  Speaker 1: is everybody want to talk about business credit? But it
• 46:52
  Speaker 1: all starts with your personal So my personal credit report
• 46:56
  Speaker 1: was structured properly and I was a PG. So I
• 46:59
  Speaker 1: did a personal get tour, put my social on the line,
• 47:03
  Speaker 1: put in my business name, and then that's how how
• 47:05
  Speaker 1: you're doing I just kept building.
• 47:07
  Speaker 3: Just kept doing it, like that same thing with the
• 47:08
  Speaker 3: personal like the same way you build personal credit. You
• 47:11
  Speaker 3: just build it that way. Yeah, could history pay your
• 47:13
  Speaker 3: bills on time.
• 47:14
  Speaker 1: Getting your net thirties, net sixties, different things on it.
• 47:17
  Speaker 1: But my main goal, like where I really focused that
• 47:20
  Speaker 1: was all on the personal side.
• 47:22
  Speaker 3: So what was the first limit? You remember, like the
• 47:24
  Speaker 3: first limit that you got on your business credit like
• 47:26
  Speaker 3: a small with a small amount.
• 47:27
  Speaker 1: Yeah, but oh business or personal business on the business side,
• 47:31
  Speaker 1: first limit, Nah, that first limit wasn't That first limit
• 47:34
  Speaker 1: was nasty.
• 47:35
  Speaker 4: It was like thirty thousand.
• 47:37
  Speaker 3: Then we started getting you already established it from the personal.
• 47:40
  Speaker 4: Yeah, not my ea.
• 47:41
  Speaker 3: So as long as your personal is good, you should
• 47:43
  Speaker 3: be able to get a substantial amount of business.
• 47:45
  Speaker 4: You just Yeah.
• 47:46
  Speaker 1: The thing is that That's why I tell people work
• 47:47
  Speaker 1: your personal because then once you work your personal credit,
• 47:51
  Speaker 1: once you work that personal side, when you go to
• 47:53
  Speaker 1: get business credit, you're going to get double on trip
• 47:55
  Speaker 1: of your limits from what you have on the personal.
• 47:57
  Speaker 1: So if you work this, get these large, let them season.
• 48:01
  Speaker 1: Let your personal card season.
• 48:03
  Speaker 4: And grow those.
• 48:04
  Speaker 1: When you go to apply for business you should you
• 48:06
  Speaker 1: shouldn't be going getting a ten thousand dollar business credit card.
• 48:09
  Speaker 3: So you have multiple because like they say, personal cards,
• 48:11
  Speaker 3: you shouldn't have like more than like three or four.
• 48:14
  Speaker 3: Like does that matter with business.
• 48:15
  Speaker 4: Or business is a little bit.
• 48:18
  Speaker 1: Business is different because business doesn't report on your credit.
• 48:21
  Speaker 1: Some do, like Capital one. Don't get that one if
• 48:26
  Speaker 1: you don't want to show on your credit report. That's
• 48:28
  Speaker 1: one of the business cards that show but my thing
• 48:31
  Speaker 1: is that I show I specialize in like personal side.
• 48:34
  Speaker 1: I got a sequence I learned how to do and
• 48:36
  Speaker 1: go get fifteen personal credit cards with only like five inquiries.
• 48:41
  Speaker 4: I need to ask you that, but before I want
• 48:43
  Speaker 4: the explanation on that. But while you're saying this, and like,
• 48:47
  Speaker 4: how does one grow the limits on their credit cards?
• 48:50
  Speaker 1: Right?
• 48:50
  Speaker 4: Because like sometimes like you can have a credit card,
• 48:52
  Speaker 4: you pay it off, and like you actually have to
• 48:54
  Speaker 4: go in and try to increase it. But sometimes there
• 48:56
  Speaker 4: will be a situation where the company will say we've
• 49:01
  Speaker 4: increased it because of your good standing. Is there a
• 49:03
  Speaker 4: strategy to grow it? To double it and triple it?
• 49:06
  Speaker 1: So when it comes to growing your credit cards, like
• 49:09
  Speaker 1: I tell people that you want to put everything on them,
• 49:12
  Speaker 1: I'll take like, if you're gonna work credit cards, take
• 49:14
  Speaker 1: a few of them, like because I teach how to
• 49:15
  Speaker 1: get massive amounts. But if you only have a few,
• 49:18
  Speaker 1: what you want to do is put everything. You should
• 49:20
  Speaker 1: never use a debit card, right, And this is the
• 49:22
  Speaker 1: example I tell people. I say, listen, if if you're
• 49:26
  Speaker 1: walking down a dark alley with ten thousand in your
• 49:29
  Speaker 1: pocket where they robbing people at who money you want
• 49:32
  Speaker 1: in your pocket yours or mine, it's yours exactly. So
• 49:39
  Speaker 1: every day you go out and you swiping your debit
• 49:42
  Speaker 1: card with your heart o money, your hard earned money versus,
• 49:47
  Speaker 1: and you put it at risk. We all know how
• 49:49
  Speaker 1: fraud and how high it is now, right, So every
• 49:53
  Speaker 1: day when you go out and you're using your debit
• 49:55
  Speaker 1: card and you're putting it online and you're making purchases,
• 49:57
  Speaker 1: you're putting your money at risk. So when you put
• 50:01
  Speaker 1: your money at risk, why would instead of put everything
• 50:04
  Speaker 1: on your debit card, I mean on your credit card,
• 50:07
  Speaker 1: put everything that you spend on a credit card and
• 50:10
  Speaker 1: pay it off, not go buy and buy whatever you
• 50:13
  Speaker 1: want the money that you would have spent out of
• 50:15
  Speaker 1: your debit. Then you pay your credit card back off,
• 50:18
  Speaker 1: pay your credit card bill a few days early, two
• 50:20
  Speaker 1: three days early, but pay your credit card back off.
• 50:24
  Speaker 1: And not only are you leveraging and putting somebody else's
• 50:27
  Speaker 1: money at risk, you also get incentivized for using it.
• 50:31
  Speaker 1: So everything that you spend should automatically run off of
• 50:36
  Speaker 1: an actual credit card. I run everything that I spend
• 50:38
  Speaker 1: off a credit card, and so that decision increases it.
• 50:42
  Speaker 4: Yeah, yeah, when you keep.
• 50:44
  Speaker 1: Maxing it out, like if you can figure out depending
• 50:46
  Speaker 1: on what you're doing. Like with me, we'll run it
• 50:48
  Speaker 1: ass Like I specialize with really helping entrepreneurs, Like we
• 50:51
  Speaker 1: all have to learn how to make money ourselves. How
• 50:54
  Speaker 1: do we turn our credit to cash? How do we
• 50:55
  Speaker 1: grow our businesses? So if we're going to use and
• 50:58
  Speaker 1: grow a business, I'm gonna use my car. So like
• 51:00
  Speaker 1: I max my card out on ads, right, I'm Facebook ads,
• 51:04
  Speaker 1: Facebook ads, things like that.
• 51:06
  Speaker 4: I also built a relationship. Man, y'all got me talking.
• 51:11
  Speaker 4: Don't worry, no one's listening.
• 51:13
  Speaker 1: I built a relationship. I built a relationship with a
• 51:16
  Speaker 1: guy at a watch store, and he would resell watches, right,
• 51:21
  Speaker 1: So he had the opportunity. He was like, Yo, you
• 51:24
  Speaker 1: know it only takes me about seven or fourteen days
• 51:26
  Speaker 1: to resell a watch. People come in all the time,
• 51:29
  Speaker 1: trade in. You know, you get hit when you go
• 51:31
  Speaker 1: to trade to watch it, so they're not going to
• 51:33
  Speaker 1: give you full value. Well, he says, listen, if we
• 51:36
  Speaker 1: buy it the same night, I can get it for
• 51:38
  Speaker 1: what they paid before my store puts it online and
• 51:41
  Speaker 1: puts it in the system. We can buy it for
• 51:43
  Speaker 1: the same price. So what we would do is literally
• 51:45
  Speaker 1: I gave him I let him hold one of my platinums.
• 51:48
  Speaker 1: He would buy the watch when it came in at night,
• 51:52
  Speaker 1: resell it because for the value of it. He already
• 51:55
  Speaker 1: was known for selling watches. He reseller for the value.
• 51:58
  Speaker 1: I'm getting credit on my credit card for how much
• 52:01
  Speaker 1: to watch costs. We started with twelve thousand, We didn't,
• 52:03
  Speaker 1: did sixty thousand, we didn't did fourteen's twenty fours, and
• 52:07
  Speaker 1: literally built it out, max in the card out. Now
• 52:10
  Speaker 1: my credit card on like that platinum I got. It's
• 52:13
  Speaker 1: two hundred thousand a limit, sure, but it's just information
• 52:17
  Speaker 1: and being able to seize the opportunity. And you know,
• 52:19
  Speaker 1: that was one of the things we had a good
• 52:20
  Speaker 1: relationship and trust coming to play. That ain't something you
• 52:23
  Speaker 1: can people can duplicate. So I don't really speak on
• 52:25
  Speaker 1: that a lot because that's not something you can duplicate.
• 52:28
  Speaker 1: But it's just things that happen.
• 52:31
  Speaker 3: Just knowing.
• 52:32
  Speaker 4: So let's go back a little bit. So how do
• 52:34
  Speaker 4: we acquire the multiple cards without having so many inquiries?
• 52:38
  Speaker 4: Because that's I mean, I do anything and it's like
• 52:41
  Speaker 4: you've got an alert. I'm like, yeah, is that man?
• 52:48
  Speaker 1: So so no, look we here, man, it's really for
• 52:58
  Speaker 1: the coach.
• 53:00
  Speaker 4: Hey, listen, I'm gonna tell y'all. Listen, I'm gonna be
• 53:03
  Speaker 4: telling people, right. Yeah, so, but no, it's one of
• 53:09
  Speaker 4: the greatest.
• 53:10
  Speaker 3: Yeah.
• 53:10
  Speaker 1: So what we do is that we gotta understand, right,
• 53:14
  Speaker 1: I'm gonna break it down to yalls that we got
• 53:16
  Speaker 1: to understand that banks have rules.
• 53:18
  Speaker 4: Right.
• 53:18
  Speaker 1: I remember going to people. I'm not gonna hold you.
• 53:20
  Speaker 1: I remember going and I was I was in credit
• 53:22
  Speaker 1: and I was getting good and I'm going try and
• 53:24
  Speaker 1: figure out how they do funding because I'm like, yo,
• 53:26
  Speaker 1: I don't believe in no man fishing for me, right,
• 53:30
  Speaker 1: You're not gonna go and fish for me. I want
• 53:32
  Speaker 1: to learn how to fish myself, so I wouldn't pay
• 53:34
  Speaker 1: anybody to get me funded. So I'm not gonna go
• 53:37
  Speaker 1: and say, hey, let me go to Rashad so he
• 53:38
  Speaker 1: can get me funded, and I'm gonna give him ten percent.
• 53:41
  Speaker 4: Right.
• 53:41
  Speaker 1: A lot of people are okay with it because they're lazy,
• 53:44
  Speaker 1: they don't want to they don't have that drive. My
• 53:46
  Speaker 1: thing is that I need to know it because I
• 53:48
  Speaker 1: need to be able to make adjustments and help other people.
• 53:51
  Speaker 1: Put my other family on. Were not often to come
• 53:53
  Speaker 1: and give you ten percent. So I remember running through
• 53:58
  Speaker 1: a sequence and figuring out. I'm like, how do I
• 54:01
  Speaker 1: do it? And I try to apply for credit cards
• 54:04
  Speaker 1: and they all got to not I'm like something wrong.
• 54:09
  Speaker 1: So I'm like, okay, do more research because you can't
• 54:11
  Speaker 1: just apply for credit cards.
• 54:12
  Speaker 4: So I go okay.
• 54:14
  Speaker 1: So over time i'm and I apologize. My family might
• 54:18
  Speaker 1: feel some kind of way. I torched so many credit reports,
• 54:21
  Speaker 1: like yo, I'm telling you they had increaes, Like my
• 54:23
  Speaker 1: wife at one point had like twenty four inquiries. I
• 54:25
  Speaker 1: was trying to figure it out, right like moms, brothers, right,
• 54:30
  Speaker 1: everybody had it like everybody. One of my cousins is
• 54:33
  Speaker 1: the ones who when we figured it out with he
• 54:35
  Speaker 1: got the move. But I started learning that banks have rules.
• 54:41
  Speaker 1: A lot of people are familiar that Chase has a
• 54:43
  Speaker 1: five to twenty four rule. You can't get more than
• 54:45
  Speaker 1: five credit cards with Chase in twenty four months, right,
• 54:48
  Speaker 1: and so okay, okay, get it. So then I started researching,
• 54:52
  Speaker 1: and then you got banks like Bank of America that
• 54:55
  Speaker 1: has a.
• 54:55
  Speaker 4: Two three four rule.
• 54:56
  Speaker 1: You can get two credit cards every three months, three
• 55:00
  Speaker 1: credit cards in a year, four credit cards total. Okay,
• 55:05
  Speaker 1: that's their rule. But they don't worry about if you
• 55:08
  Speaker 1: get credit cards from other banks. So I started learning
• 55:12
  Speaker 1: the rules. Barclays has a rule you can get one
• 55:14
  Speaker 1: credit card every day, so it excites people. But the
• 55:20
  Speaker 1: cold part is The exciting part was the fact that
• 55:22
  Speaker 1: Bank of America will let you get two credit cards
• 55:24
  Speaker 1: every three months. But the two credit cards that you
• 55:27
  Speaker 1: can get every three months you can get the same day.
• 55:31
  Speaker 1: If you get them at the same time, you get
• 55:33
  Speaker 1: them on the same inquiry, you get one inquiry to
• 55:35
  Speaker 1: credit cards. See Barclays ain't that great yet? One credit
• 55:40
  Speaker 1: card every day, I can only get one because I
• 55:42
  Speaker 1: can't come back tomorrow. Once these inquiries hit, I'm done,
• 55:46
  Speaker 1: can't come back right. So this is when I started
• 55:49
  Speaker 1: learning how to stack my credit card applications together. Then
• 55:53
  Speaker 1: you have to understand is that listen every bank see
• 55:56
  Speaker 1: a lot of people get their credit together and the
• 55:58
  Speaker 1: dream credit cards American Express.
• 56:02
  Speaker 4: Listen to me.
• 56:03
  Speaker 1: American Express goes last before discover the reason being they're
• 56:08
  Speaker 1: not strict on inquiries. They're strict on new accounts. So
• 56:11
  Speaker 1: if you don't have any new accounts within the last
• 56:12
  Speaker 1: six months, I can get you approved for American Express
• 56:15
  Speaker 1: with eighteen inquiries. This is where you want to be
• 56:18
  Speaker 1: at is you want to look and go amex Chase.
• 56:22
  Speaker 1: You put them last. They're not super strict on inquiries,
• 56:26
  Speaker 1: and you have to understand with them is that they're
• 56:30
  Speaker 1: going to come. And the reason they're not strict on
• 56:32
  Speaker 1: inquiries is because they're going to do more of their
• 56:34
  Speaker 1: verification and underwriting on the back end. You got companies
• 56:38
  Speaker 1: like Barclays, Alliant, Davy, they do their underwriting on the
• 56:44
  Speaker 1: front So if anybody like most of the time, when
• 56:46
  Speaker 1: you get approval from Barclays, it may take you forty
• 56:50
  Speaker 1: eight hours, and it takes you forty eight hours because
• 56:53
  Speaker 1: they're doing their underwriting on the front side. They don't
• 56:55
  Speaker 1: go through. They may hit you and ask you for
• 56:59
  Speaker 1: verification documents income prove your income. They may hit you
• 57:02
  Speaker 1: with that cool Chase is gonna hit you with a
• 57:06
  Speaker 1: soft pool.
• 57:07
  Speaker 4: Later.
• 57:08
  Speaker 1: Let your credit card utilization start going out of whack,
• 57:10
  Speaker 1: like you're using this credit card heavy. They'll hit you
• 57:12
  Speaker 1: with a soft pool. When they do a soft pool.
• 57:14
  Speaker 1: If your credit score it has dropped, you gotta derogatory marks.
• 57:18
  Speaker 1: Your utilization is out of whack, they gonna slice your limits.
• 57:21
  Speaker 1: American Express is gonna come and say well you put
• 57:24
  Speaker 1: one hundred and fifty thousand on your application. They gonna
• 57:28
  Speaker 1: come a year later ask for an income verification. They're
• 57:30
  Speaker 1: gonna ask to dish your tie your tax returns and say,
• 57:33
  Speaker 1: well you already made forty thousand, slice your limits, discover
• 57:38
  Speaker 1: does the same thing. All of this is what helps
• 57:41
  Speaker 1: we have to under This is the information that we
• 57:43
  Speaker 1: have to understand when it comes to credit card stacking.
• 57:46
  Speaker 1: So when you say, how do you get multiple credit
• 57:48
  Speaker 1: cards at one time? You have to look and learn
• 57:50
  Speaker 1: the rules of which credit cards can I apply for
• 57:52
  Speaker 1: and get multiple cards at one time from one bank
• 57:55
  Speaker 1: on one inquiry, literally stack them all together and do
• 58:00
  Speaker 1: it at the same time.
• 58:02
  Speaker 4: M hm, So key to that man fire outstanding.
• 58:10
  Speaker 3: So let's let's talk about recession proof, right, because at
• 58:14
  Speaker 3: some point it's like you learning all this stuff, learning
• 58:17
  Speaker 3: this information, and it's changing your life. I'm assuming it's
• 58:20
  Speaker 3: changing your family's life. At what point do you turn
• 58:23
  Speaker 3: that into changing and educating other people?
• 58:29
  Speaker 1: Listen with that part, that was never my goal, right,
• 58:32
  Speaker 1: I'm honest, like that was never my goal. My goal
• 58:35
  Speaker 1: was never to help other people. It was it was
• 58:38
  Speaker 1: a secret. Right, you understand everything my family thought I
• 58:41
  Speaker 1: sold drugs, right, Like I always see people people think that, yo, everybody,
• 58:48
  Speaker 1: these dudes be online selling information. This is how they
• 58:51
  Speaker 1: make money. They ain't really doing it. Tell people fact
• 58:54
  Speaker 1: check me. I have Bentley Truck before I ever help somebody,
• 58:58
  Speaker 1: ever right, g Wagon, before ever own my house investment
• 59:02
  Speaker 1: properties before I assisted because I had the game, but
• 59:07
  Speaker 1: I wouldn't. You know, It's how we feel we know something.
• 59:10
  Speaker 1: Sometimes we don't tell people. You got secrets and stuff
• 59:13
  Speaker 1: that you know, be like yo, now I know how
• 59:15
  Speaker 1: we get the podcast number one. We know, like yo,
• 59:18
  Speaker 1: I'm not telling, right, You're not gonna come. I'm not
• 59:21
  Speaker 1: gonna tell, So you have to go figure out yourself.
• 59:26
  Speaker 1: Eric Thomas Eric Thomas. I was in Masters of the
• 59:29
  Speaker 1: Game and Eric Thomas said that if you know something
• 59:34
  Speaker 1: that can help another man change the trajectory of his
• 59:37
  Speaker 1: family in their future, and you don't share that information,
• 59:40
  Speaker 1: you selfish. And it sat on me for a while
• 59:47
  Speaker 1: because I still was like, yeah sounds good, Yeah right.
• 59:53
  Speaker 4: It sat on me for a while, but.
• 59:58
  Speaker 1: It came to a point to where it was like, yo,
• 1:00:02
  Speaker 1: is that what's the what's the impact that you don't
• 1:00:05
  Speaker 1: really want to make now that you're making money. I
• 1:00:08
  Speaker 1: have my daughter, and then I started really seeing like
• 1:00:10
  Speaker 1: I was born. When I was born, my mom was homeless.
• 1:00:12
  Speaker 1: We lived in a shelter from the gate. When I
• 1:00:16
  Speaker 1: had my daughter, she came home to a house I own,
• 1:00:19
  Speaker 1: and I think, and I look, and I go, there's
• 1:00:21
  Speaker 1: so many people that need this. I'm gonna be wrong
• 1:00:24
  Speaker 1: if I don't share, right, And so everything I created
• 1:00:28
  Speaker 1: though was like for myself, So then I started sharing
• 1:00:31
  Speaker 1: it with people. That's when the recession proof started. And
• 1:00:34
  Speaker 1: that's when I created a community. But I didn't create
• 1:00:37
  Speaker 1: like a program. I literally create a family. So everything
• 1:00:40
  Speaker 1: that we need, I go out and we do things right.
• 1:00:43
  Speaker 1: Like events that we had. When y'all came to the event,
• 1:00:49
  Speaker 1: I fly on private jets. Guess what happened. My mentees
• 1:00:51
  Speaker 1: fly on private jets. You're a party, we a family.
• 1:00:54
  Speaker 1: We operate on the same level. So they flying in
• 1:00:56
  Speaker 1: on private jets. We got all the exotic vehicles. They
• 1:00:59
  Speaker 1: drive nice vehicles. They driving nice cars. The whole event
• 1:01:02
  Speaker 1: was free. So what happens is is that not only
• 1:01:06
  Speaker 1: are they learning being able to be financial literate, they
• 1:01:09
  Speaker 1: learn how to run and scale businesses. So now teach
• 1:01:12
  Speaker 1: you everything you need to know about credit. But then
• 1:01:14
  Speaker 1: I'm creating leaders because it's in order for what I
• 1:01:17
  Speaker 1: did for my community, how can I get I was like, Yo,
• 1:01:20
  Speaker 1: I need at least ten to fifteen other people doing this.
• 1:01:23
  Speaker 1: I never expected it to be hundreds. Yet thousands of
• 1:01:26
  Speaker 1: people going, nah, I need to help my community. I
• 1:01:28
  Speaker 1: need to help my community. And it's still people out
• 1:01:31
  Speaker 1: there who don't know who I am or that I exist,
• 1:01:34
  Speaker 1: but it's thousands of us helping our community. So when
• 1:01:37
  Speaker 1: we get on these platforms, the growth point is that
• 1:01:40
  Speaker 1: we need more leaders in our community. We need more
• 1:01:43
  Speaker 1: people who are financial literate to take this back. Everybody's
• 1:01:46
  Speaker 1: not going to have the tenacity and say I want
• 1:01:48
  Speaker 1: to fish for myself, but for those who do, those
• 1:01:52
  Speaker 1: are the people that we need to stand up in
• 1:01:53
  Speaker 1: the community. That they need to take that back home
• 1:01:56
  Speaker 1: and be that for their family. They need to be
• 1:01:58
  Speaker 1: that for the people around them, source for them to
• 1:02:00
  Speaker 1: come and get this information from.
• 1:02:02
  Speaker 4: Because if they're watching this podcast or listen to this podcast, how.
• 1:02:05
  Speaker 1: Many people they know who don't listen to it, who
• 1:02:08
  Speaker 1: didn't catch this information. So that's my point is like
• 1:02:11
  Speaker 1: when you look at recession proof, my whole goal is
• 1:02:13
  Speaker 1: to create leaders in the community when it come to
• 1:02:15
  Speaker 1: financial literacy, when it comes to actually business, when it
• 1:02:18
  Speaker 1: comes to growing and scaling and just being all around leaders.
• 1:02:22
  Speaker 1: Not only with financial literacy. But if you see we
• 1:02:25
  Speaker 1: did the Takeoveray, remember we did the Kroger takeover shut
• 1:02:29
  Speaker 1: it down, kind of went viral a little bit that
• 1:02:32
  Speaker 1: I was a big that was big.
• 1:02:34
  Speaker 3: Oh yeah, slue to that I forgot about that to
• 1:02:36
  Speaker 3: that that was yeah, that was really dope. Everybody was
• 1:02:38
  Speaker 3: not familiar. The guys went into Kroger in Atlanta, and
• 1:02:43
  Speaker 3: I think they are twenty dollars forty thousand dollars for
• 1:02:48
  Speaker 3: families for for Thanksgiving so they can you know, not
• 1:02:51
  Speaker 3: have to worry about that bill and you know, buy groceries.
• 1:02:54
  Speaker 1: So yeah, y'all did the free gas too, did the
• 1:02:56
  Speaker 1: free gas. The crazy thing is we did the gas
• 1:02:58
  Speaker 1: before for the Kroger. Before the Kroger, we almost went
• 1:03:02
  Speaker 1: to do another gas station, but instead we was like, yo,
• 1:03:06
  Speaker 1: we decided let's just.
• 1:03:08
  Speaker 4: Go do the Kroger. Went the Kroger.
• 1:03:09
  Speaker 1: We tried to do gift cards and realized that wasn't
• 1:03:13
  Speaker 1: gonna work, and we just said open the lines up.
• 1:03:16
  Speaker 1: Everybody just running through. That's why the receipts for so long.
• 1:03:19
  Speaker 1: We just let the line run. Everybody run through running
• 1:03:21
  Speaker 1: grocery store. It was two days before Thanksgiving. Everybody ran
• 1:03:25
  Speaker 1: through and we took care of it. Me and all
• 1:03:28
  Speaker 1: the guys, a whole bunch of entrepreneurs. We all got
• 1:03:30
  Speaker 1: together and collectively we did it together. We did a
• 1:03:33
  Speaker 1: collective amount of forty thousand. But my point was that
• 1:03:37
  Speaker 1: as a leader in the community and the leader of
• 1:03:39
  Speaker 1: like recession proof, my mentees turned around a few days ago.
• 1:03:42
  Speaker 1: They before yesterday's shout out to Bees for heading that out.
• 1:03:47
  Speaker 4: My guy went out.
• 1:03:47
  Speaker 1: They went out collectively and they put their money together
• 1:03:51
  Speaker 1: my mentees and went and shut down a whole Walmart
• 1:03:54
  Speaker 1: for like a Falster Care kind of company, not Falter Care,
• 1:03:59
  Speaker 1: but like a sheltered company that takes families in and
• 1:04:03
  Speaker 1: helped them get rebuilded, and pretty much went and shut
• 1:04:05
  Speaker 1: in about all the Walmart out. One of the mentees
• 1:04:08
  Speaker 1: how the truck. He went and learned how to leverage
• 1:04:10
  Speaker 1: his credit, got his own trucking company started. He literally
• 1:04:13
  Speaker 1: brung his truck to Florida. The Mentees fly out, they
• 1:04:16
  Speaker 1: all on Recession Proof shirts and the news cameras out there,
• 1:04:20
  Speaker 1: they go shut Walmart down and do a giveback. Had
• 1:04:23
  Speaker 1: nothing to do with me. Guess what the name was
• 1:04:26
  Speaker 1: that represented them when they.
• 1:04:27
  Speaker 4: Said who did it? Session proof?
• 1:04:28
  Speaker 1: They said Recession Proof Network, And I'm like, Yo, this
• 1:04:31
  Speaker 1: just shows the selflessness of the community that we built it.
• 1:04:35
  Speaker 1: And that's why I was like, Yo, this is different.
• 1:04:38
  Speaker 4: So it's really a fan.
• 1:04:39
  Speaker 3: So in the Recession Proof you actually so you also
• 1:04:42
  Speaker 3: teach people like different steps on like all of it.
• 1:04:46
  Speaker 3: Because what I'm realizing, even myself I had to be
• 1:04:49
  Speaker 3: educated on because it's like you said, a lot of people, everybody,
• 1:04:52
  Speaker 3: a lot of people have courses and things of that
• 1:04:53
  Speaker 3: nature and educational platforms and things, and it's like, what
• 1:04:56
  Speaker 3: I'm realizing is that you can only really learn so
• 1:04:59
  Speaker 3: much much from like YouTube, yeah, or like even like
• 1:05:04
  Speaker 3: a podcast like our podcast I think is the best
• 1:05:06
  Speaker 3: out period and you can dis plenty of information where
• 1:05:10
  Speaker 3: you can just act on that just a loan. But
• 1:05:12
  Speaker 3: then some people want to It's like, you know, some
• 1:05:14
  Speaker 3: people want to go further with the education, So like
• 1:05:17
  Speaker 3: what do you actually teach in that? Like what are
• 1:05:20
  Speaker 3: some of the subjects that you actually teach in the
• 1:05:23
  Speaker 3: in the.
• 1:05:23
  Speaker 4: Community in the community.
• 1:05:27
  Speaker 1: My main topics that I teach is how to start
• 1:05:31
  Speaker 1: a credit pair of business, how to scale it, how
• 1:05:33
  Speaker 1: to grow it, how to automate it so you don't
• 1:05:35
  Speaker 1: have to be the one doing it. Everybody needs a
• 1:05:36
  Speaker 1: solid financial foundation. Teach people how to be that person
• 1:05:41
  Speaker 1: and everybody gets it. Everybody needs it, so now you
• 1:05:43
  Speaker 1: can be that home base. I teach people how to
• 1:05:46
  Speaker 1: run a tradeline business, so that way you know how
• 1:05:48
  Speaker 1: to actually turn something that's in your wallet into cash, right,
• 1:05:51
  Speaker 1: something you already have, how to turn that into cash flow.
• 1:05:54
  Speaker 1: So literally, how to start and run and scale a
• 1:05:57
  Speaker 1: tradeline business. I teach people how to start and help
• 1:05:59
  Speaker 1: you will get funded, meaning you're going If people don't
• 1:06:02
  Speaker 1: want to learn how to do it themselves, then well
• 1:06:03
  Speaker 1: then you help them for ten percent, so now you
• 1:06:06
  Speaker 1: have your own funding business. Then I teach you all
• 1:06:09
  Speaker 1: the every mastery trick you can learn about credit cards,
• 1:06:12
  Speaker 1: Which credit cards to do for running ads, which ones
• 1:06:15
  Speaker 1: for free hotels and you name it, How to master
• 1:06:18
  Speaker 1: your credit cards, how to travel for free, teach them
• 1:06:21
  Speaker 1: about private jets. I teach them how to get luxury
• 1:06:24
  Speaker 1: cars so you don't pay for them, right because The
• 1:06:26
  Speaker 1: goal is like, even when I told you about the
• 1:06:28
  Speaker 1: reward points earlier, I may have went on a sixty
• 1:06:30
  Speaker 1: five hundred dollars shopping spree, but that's because I'm established.
• 1:06:36
  Speaker 1: Before I'm established, you don't spend sixty five hundred on clothes.
• 1:06:39
  Speaker 1: You spend sixty five hundred on bills. So you don't
• 1:06:41
  Speaker 1: pay for your groceries, you don't pay for your utilities,
• 1:06:43
  Speaker 1: you don't pay for your mortgage, you don't pay for
• 1:06:45
  Speaker 1: your insurance, you don't pay for your Netflix. You use
• 1:06:48
  Speaker 1: the reward points to make you have a zero overhead
• 1:06:50
  Speaker 1: while your business grows. So these are all things that
• 1:06:53
  Speaker 1: I teach. But then I realized, like you said, you
• 1:06:56
  Speaker 1: can only I can only teach so much. When you
• 1:07:01
  Speaker 1: say you got a family, you can't go and say, well,
• 1:07:04
  Speaker 1: imagine a father saying, yo, my kids gonna only know
• 1:07:07
  Speaker 1: what I know. I'm only gonna teach you what I know.
• 1:07:09
  Speaker 1: And all I did was learn financial literacy. When I
• 1:07:12
  Speaker 1: know that I got brothers out here like Alice, get
• 1:07:15
  Speaker 1: energy who running, and got people making six figures in trucking,
• 1:07:19
  Speaker 1: So I say, yo, I need you to come and
• 1:07:21
  Speaker 1: train my people on trucking. I got people like Wall
• 1:07:24
  Speaker 1: Street trapper who know stocks and killing it and start
• 1:07:28
  Speaker 1: say yo, I need you to come and give them
• 1:07:29
  Speaker 1: an introduction to stocks. I got people like Justin Owens
• 1:07:33
  Speaker 1: with four rex. I got trusts. How to actually minimize
• 1:07:37
  Speaker 1: taxes to where you can defer your taxes. And you know,
• 1:07:41
  Speaker 1: I can close out a year doing millions and paid
• 1:07:45
  Speaker 1: same thing Trump paid right. How do we protect our self?
• 1:07:48
  Speaker 1: Asset protection? All of these things come in because these
• 1:07:51
  Speaker 1: are things that we needed. Facebook ads, how do we
• 1:07:54
  Speaker 1: run Facebook ads? How do you scale a business? How
• 1:07:58
  Speaker 1: to post on social media? I bring people in to
• 1:08:01
  Speaker 1: teach us everything that we need to know in today's society.
• 1:08:06
  Speaker 1: And I gave him an e book to sell so
• 1:08:08
  Speaker 1: that way they have a digital product. It's just in
• 1:08:11
  Speaker 1: case you got nothing else your author. I also help
• 1:08:14
  Speaker 1: you become an author. So now that you're an author,
• 1:08:16
  Speaker 1: what happens is that if you got nothing else, you
• 1:08:19
  Speaker 1: can go and repeat my content what I said on
• 1:08:22
  Speaker 1: E Y L.
• 1:08:22
  Speaker 4: You go put it out to people who didn't.
• 1:08:25
  Speaker 1: See and you say, well, I got a d I
• 1:08:27
  Speaker 1: Y credit ebook that him five hundred told me. He
• 1:08:30
  Speaker 1: taught me how to set up click funnels. He told
• 1:08:32
  Speaker 1: me how to run ads. I'm run ads on this video,
• 1:08:34
  Speaker 1: sell this digital product, and I still I got another business.
• 1:08:38
  Speaker 4: And when you go on the book to it, I
• 1:08:39
  Speaker 4: don't forget the event space.
• 1:08:40
  Speaker 1: Yeah yeah, oh yeah.
• 1:08:43
  Speaker 4: I taught him from me.
• 1:08:44
  Speaker 1: Look my brother, me and my David Neil shout out Neil.
• 1:08:48
  Speaker 3: But that fate would have it because like when we
• 1:08:51
  Speaker 3: you know, we take our time because it's like we
• 1:08:52
  Speaker 3: gotta be responsible about who we bring on the platform,
• 1:08:54
  Speaker 3: and you know, we kind of you know, try to
• 1:08:56
  Speaker 3: see if we know anybody that so we was looking
• 1:08:59
  Speaker 3: and and it just so happened that somebody that we
• 1:09:01
  Speaker 3: grew up would actually purchased became a part of the community.
• 1:09:05
  Speaker 3: And he said he actually made money. What do you make?
• 1:09:08
  Speaker 3: I don't gotta say his name, but so it's in
• 1:09:15
  Speaker 3: its first month.
• 1:09:19
  Speaker 4: He's been thirty thousand.
• 1:09:22
  Speaker 3: Yeah, for sure, he made thirty thousand. So I'm not
• 1:09:24
  Speaker 3: saying that's gonna happen to every single person, but we
• 1:09:27
  Speaker 3: personally know it and doing our due diligence, Like I said,
• 1:09:30
  Speaker 3: it just so happened that we actually knew somebody that
• 1:09:32
  Speaker 3: was from our neighborhood. That yeah, it worked out.
• 1:09:35
  Speaker 4: That's heavy.
• 1:09:36
  Speaker 3: You know, you never know.
• 1:09:38
  Speaker 1: You know what's crazy is that thirty thousand person month.
• 1:09:43
  Speaker 1: That's amazing and double salute. We're gonna talk about off camera.
• 1:09:48
  Speaker 1: But that's the goal for twenty twenty one is that.
• 1:09:51
  Speaker 1: My goal is that you know, I've helped make three
• 1:09:53
  Speaker 1: people millionaires throughout my program. Now, I got three millionaires,
• 1:09:57
  Speaker 1: and I got sixty people who've been able to walk
• 1:09:59
  Speaker 1: away from their job. And this year the reason why
• 1:10:02
  Speaker 1: I put everything now, like like why would you bring events,
• 1:10:05
  Speaker 1: space and all these different why are you bringing all
• 1:10:07
  Speaker 1: this together? I said, oh, listen, my goal is I
• 1:10:09
  Speaker 1: don't want to make one hundred millionaires in twenty twenty one.
• 1:10:13
  Speaker 1: So my goal is to be able to go out
• 1:10:14
  Speaker 1: back into the community and twenty twenty one, I want
• 1:10:17
  Speaker 1: to help create one hundred millionaires. With that kind of goal,
• 1:10:20
  Speaker 1: we got one hundred millionaire challenge, I said, listen, people
• 1:10:23
  Speaker 1: don't understand it. You're going to make one hundred millionaires.
• 1:10:26
  Speaker 1: I say, Yo, that's a big number. Million dollars, A
• 1:10:29
  Speaker 1: big number. I said, listen, I made a million dollars
• 1:10:31
  Speaker 1: and thirty days. If they can perform at a tenth
• 1:10:33
  Speaker 1: of me, they'll be a millionaire. All they need to
• 1:10:36
  Speaker 1: do is perform at one tenth of what I do.
• 1:10:38
  Speaker 1: And if they fail and lose and do twenty percent,
• 1:10:41
  Speaker 1: they walk away three four hundred thousand a year. Hell,
• 1:10:43
  Speaker 1: were still successful in our community is a lot better.
• 1:10:45
  Speaker 3: That's a fact. So, and one of the things with EYL,
• 1:10:49
  Speaker 3: I feel like online of education is in new college.
• 1:10:51
  Speaker 3: Everybody thinks I'm anti college. I'm not anti college. If
• 1:10:54
  Speaker 3: you want to go to I went to college for
• 1:10:55
  Speaker 3: ye has a degree. So you know, fortunately I have
• 1:10:58
  Speaker 3: to spend money for college.
• 1:10:59
  Speaker 4: But yo, why do that? I did.
• 1:11:01
  Speaker 3: I'm just saying so I did.
• 1:11:04
  Speaker 4: I did. We'll talk about that after so.
• 1:11:06
  Speaker 3: But yeah, one thing, you know, people come on, whether
• 1:11:09
  Speaker 3: it's Alex, whether it's our brother Hif from Bendam, Oh, everybody.
• 1:11:16
  Speaker 3: A lot of people, you know, entrepreneurs. They have different
• 1:11:19
  Speaker 3: programs and different things. That nation. The only thing that
• 1:11:20
  Speaker 3: we ever ask is that, you know, they just show
• 1:11:23
  Speaker 3: us a little love and give us a discount for
• 1:11:25
  Speaker 3: anybody that watches ey L. And of course, you know,
• 1:11:28
  Speaker 3: like I said, if you invest in education, you invest
• 1:11:30
  Speaker 3: in educations up to you. If not, you know, just
• 1:11:32
  Speaker 3: learning from the podcast is going to change your life.
• 1:11:35
  Speaker 3: But you know, we do. That's like a stickler, like
• 1:11:38
  Speaker 3: if you want to come on like you definitely we
• 1:11:40
  Speaker 3: encourage people to to do a discount, and everybody today
• 1:11:43
  Speaker 3: Credit has always obliged that and Marcus has been no difference.
• 1:11:47
  Speaker 3: So five hundred dollars off is what Marcus agreed. Uh,
• 1:11:52
  Speaker 3: we are greatly, greatly appreciative of that. So it's five
• 1:11:55
  Speaker 3: hundred dollars off of the program, which is actually the
• 1:11:59
  Speaker 3: lowest price on the market right now. And he did
• 1:12:02
  Speaker 3: something exclusively for us, set up a website r p
• 1:12:06
  Speaker 3: x e y l dot com, so there's no code needed, nothing.
• 1:12:10
  Speaker 3: You cannot get this price for the Recession Proof program
• 1:12:13
  Speaker 3: anywhere else. It's the cheapest that it's at anywhere right now,
• 1:12:17
  Speaker 3: five hundred dollars off, and you just click the link.
• 1:12:21
  Speaker 3: We'll have it in this description of this YouTube video.
• 1:12:25
  Speaker 3: We'll have the description if you're listening on iTunes, Spotify.
• 1:12:28
  Speaker 3: Also have it on our website under the Alumni tab,
• 1:12:32
  Speaker 3: or you can just go to the website directly r
• 1:12:35
  Speaker 3: p x e y l dot com. Once again, that's
• 1:12:38
  Speaker 3: five hundred dollars off of the Recession Proof program. And
• 1:12:43
  Speaker 3: that's a special it's not even a discount or code.
• 1:12:46
  Speaker 3: It's just a special situation that he did for E
• 1:12:48
  Speaker 3: y L and we greatly appreciate that, brother. Thank you.
• 1:12:53
  Speaker 3: So if you're interested in joining the Recession Proof family
• 1:12:55
  Speaker 3: once again, the website is r p X e y
• 1:12:59
  Speaker 3: L dot com. No code needed. It is a special
• 1:13:04
  Speaker 3: website set up with a special price, which is five
• 1:13:06
  Speaker 3: hundred dollars off and we are honored to have that
• 1:13:10
  Speaker 3: as the lowest price that you have anywhere in the
• 1:13:13
  Speaker 3: world right now. There's no other place that you can
• 1:13:15
  Speaker 3: get it toward that price. Appreciate you for doing that.
• 1:13:19
  Speaker 3: Thank you.
• 1:13:19
  Speaker 4: Love for the community, Yeah, yeah.
• 1:13:21
  Speaker 3: For sure. So what do you have on the horizon?
• 1:13:25
  Speaker 3: What are you working on? What would you like to
• 1:13:27
  Speaker 3: tell of people? How can they contact you? Any last
• 1:13:31
  Speaker 3: good words that you want to give the people.
• 1:13:33
  Speaker 1: One of the things that I'm well, now you know
• 1:13:35
  Speaker 1: what I like. I like still educating. He brungs something
• 1:13:38
  Speaker 1: up that I want to say.
• 1:13:39
  Speaker 4: We ended on this.
• 1:13:40
  Speaker 1: My name is him five hundred. I'm credit specialist. I
• 1:13:43
  Speaker 1: teach people how to leverage credit turned to cash. He
• 1:13:45
  Speaker 1: said he paid for college. A lot of times we
• 1:13:47
  Speaker 1: pay for college and we don't have a benefit from it.
• 1:13:49
  Speaker 1: We don't make money from it. So I tell people listening,
• 1:13:51
  Speaker 1: you want to know one the benefits of having student
• 1:13:53
  Speaker 1: loans if you keep them, if you do go to college,
• 1:13:55
  Speaker 1: and if you're in college right now, if you keep
• 1:13:57
  Speaker 1: your student loans in good shape, what happens is is
• 1:14:00
  Speaker 1: your credit report needs to look a certain way. There's
• 1:14:02
  Speaker 1: data points that need to be hit. You need to
• 1:14:04
  Speaker 1: have at least ten plus positive accounts. You want to
• 1:14:07
  Speaker 1: build the age of your credit report as well, so
• 1:14:09
  Speaker 1: we're going to stay there. You want two to three well,
• 1:14:11
  Speaker 1: you need two to three inquiries or below. Right, you
• 1:14:14
  Speaker 1: want a utilization rate of under nine percent. Your utilization
• 1:14:17
  Speaker 1: rate under nine Everybody tells you thirty percent. That's cool,
• 1:14:20
  Speaker 1: it doesn't have a negative effect. But it's not that
• 1:14:22
  Speaker 1: it's optimal point. It's that it's optimal point when it's
• 1:14:25
  Speaker 1: below nine percent. Between two and nine percent, you also
• 1:14:28
  Speaker 1: want to have one hundred percent payment history. But the
• 1:14:31
  Speaker 1: key point is that you want to have ten plus
• 1:14:33
  Speaker 1: positive accounts, and you want to build the age of
• 1:14:36
  Speaker 1: at least four to five years average age and your
• 1:14:38
  Speaker 1: credit report. Nobody gets a student loan that was yesterday.
• 1:14:41
  Speaker 1: They got it yesterday, right. Everybody has student loans that
• 1:14:44
  Speaker 1: are old. One thing about student loans also is that
• 1:14:47
  Speaker 1: there's never just one, So you have multiple student loans. Well,
• 1:14:50
  Speaker 1: when you come to hit those data points, guess what,
• 1:14:52
  Speaker 1: you may not even use that degree. But if you
• 1:14:54
  Speaker 1: get those student loans in the right shape and you
• 1:14:57
  Speaker 1: keep them in deferment where you have good payment, history
• 1:15:00
  Speaker 1: helps you with the total number of counsel and your
• 1:15:01
  Speaker 1: credit report, and it helps you with the age of
• 1:15:04
  Speaker 1: your credit report. So then when you add a few
• 1:15:06
  Speaker 1: more tradelines, different kind of tradelines, not just aus. When
• 1:15:09
  Speaker 1: you add a few more different tradelines and bank products
• 1:15:11
  Speaker 1: to your report, it's easier for you to get funding.
• 1:15:14
  Speaker 1: So don't automatically think that, hey, I need to get
• 1:15:16
  Speaker 1: my credit together, I need to go and clean these
• 1:15:18
  Speaker 1: student loans off. Student loans have more positive effect than
• 1:15:21
  Speaker 1: you believe when it comes to go and acquiring funding
• 1:15:24
  Speaker 1: and getting credit cards and things like that. I here
• 1:15:26
  Speaker 1: five hundred, I'm the leader owner of Recession prof Financial Literacy.
• 1:15:30
  Speaker 4: And that's it, yo, man. You know what he finished
• 1:15:34
  Speaker 4: off like the champion is. You know, I want to
• 1:15:35
  Speaker 4: ask you something that I've never heard you talked about,
• 1:15:37
  Speaker 4: and it's like the backbone of your business. I want
• 1:15:40
  Speaker 4: to talk about her five hundred and her role in
• 1:15:43
  Speaker 4: the business, and that that balance between I got to
• 1:15:47
  Speaker 4: man because you know a married man as a married man,
• 1:15:49
  Speaker 4: and I know it's not easy to balance family life
• 1:15:52
  Speaker 4: and work life. And I know it's not easy when
• 1:15:55
  Speaker 4: you know you've got a lot of things pulling you
• 1:15:56
  Speaker 4: in different ways, but you know you're balancing it pretty well.
• 1:16:00
  Speaker 4: You talked about her role. Yeah, so.
• 1:16:04
  Speaker 1: That's the road, backbone, partner, rib punching bag, everything. When
• 1:16:10
  Speaker 1: I got a bad day, that's the person, you know,
• 1:16:12
  Speaker 1: that's the only person that I can talk about it with.
• 1:16:15
  Speaker 1: Not only that, raising my kids, raising their family, raising
• 1:16:18
  Speaker 1: me from the gate. When we started this company. We
• 1:16:21
  Speaker 1: started this together, one hundred percent, not boom. We started
• 1:16:26
  Speaker 1: the credit repair company together. So she knows everything inside now,
• 1:16:30
  Speaker 1: but she's been more so behind the scenes. See I
• 1:16:33
  Speaker 1: was more so. I'm on social media.
• 1:16:34
  Speaker 4: I talk. She don't care. She a sociable person like real.
• 1:16:37
  Speaker 1: Life, like I'm going out all my friends, I'm on
• 1:16:39
  Speaker 1: social media, like nah, I'm posting content. First viral video
• 1:16:43
  Speaker 1: we argue probably ten minutes before to get it right,
• 1:16:47
  Speaker 1: like hold the light right there, chilled the camera, you
• 1:16:52
  Speaker 1: got the wrong angle. Look how you're making me look
• 1:16:54
  Speaker 1: I'm looking bad, Nah, argue Right, everything that we went through,
• 1:16:58
  Speaker 1: we built this together. And so now one of the
• 1:17:02
  Speaker 1: dope things is that as I built, we've been building
• 1:17:07
  Speaker 1: the business infrastructure. Like she's bringing in my HR people.
• 1:17:11
  Speaker 1: She's the one who goes out and make sure, like
• 1:17:13
  Speaker 1: the accountants and everything is integrated.
• 1:17:16
  Speaker 4: Right.
• 1:17:16
  Speaker 1: She does all my integrations. And now we got it
• 1:17:20
  Speaker 1: to where we're going to be kind of on autopilot
• 1:17:23
  Speaker 1: and more active in the community. I actually brung her
• 1:17:26
  Speaker 1: in and said, well, listen, it's a community of women
• 1:17:31
  Speaker 1: that search financial literacy that's in this family, a lot
• 1:17:34
  Speaker 1: of powerful women. But I haven't been able to edify
• 1:17:36
  Speaker 1: my women in the community. And I as a man,
• 1:17:39
  Speaker 1: could never edify the women and be like, Yo, let
• 1:17:41
  Speaker 1: me get a group for y'all, and I'm gonna set
• 1:17:43
  Speaker 1: things up for you. So now we have a sector
• 1:17:46
  Speaker 1: for anybody who's in the Recession Proof family. Another just
• 1:17:49
  Speaker 1: added bonus is the Women of Recession Proof. So now
• 1:17:52
  Speaker 1: she's gonna run Women of Recession Proof to where they'll
• 1:17:56
  Speaker 1: do women trips, they'll have women come and speak to them.
• 1:18:00
  Speaker 1: Women accountability groups just for the women, just because males
• 1:18:04
  Speaker 1: having more natural dominance. It's more males than it is women,
• 1:18:08
  Speaker 1: but it's a lot of women in there, like that's bosses.
• 1:18:12
  Speaker 4: Snoop, shouts to Snoop, shots of Snoop.
• 1:18:17
  Speaker 1: It's a lot of powerful house women in there. And
• 1:18:20
  Speaker 1: I'm going, Okay, we're gonna set this group up of
• 1:18:24
  Speaker 1: the women of recession proof and shout out to her
• 1:18:26
  Speaker 1: five hundred that's one. That's her secord that she's gonna
• 1:18:28
  Speaker 1: be able to run and just pour back the things
• 1:18:30
  Speaker 1: that she's been able to put into me and help
• 1:18:33
  Speaker 1: be that for the other women in the group.
• 1:18:34
  Speaker 3: One thing I wanted to ask you too, if you down,
• 1:18:37
  Speaker 3: and congratulations too. I know you get married, appreciate it,
• 1:18:39
  Speaker 3: So congratulations on that I asked. I talked to Alex
• 1:18:43
  Speaker 3: about this. He said that he was down. So I'll
• 1:18:46
  Speaker 3: put you on the spot to see if you're interested.
• 1:18:48
  Speaker 3: I know. But you guys did a great thing in
• 1:18:50
  Speaker 3: Atlanta and we had we had a special event that
• 1:18:52
  Speaker 3: we did. Shout out the trap he was in town.
• 1:18:55
  Speaker 3: Shout out to m the mortgage got shot you why
• 1:18:56
  Speaker 3: that joined us. We was up Chowneldkament and with four
• 1:19:00
  Speaker 3: hundred families got turkeys gift cards, Disneyland, Trip TV shout
• 1:19:04
  Speaker 3: out to my man Kim from Thank Me. He said
• 1:19:06
  Speaker 3: he never seen anything like that since the government cheese days.
• 1:19:08
  Speaker 3: Like the line the line was literally like five blocks down.
• 1:19:12
  Speaker 3: So I say that to say, you know, obviously it's
• 1:19:14
  Speaker 3: a lot of people in need these days, all across
• 1:19:16
  Speaker 3: the country. So maybe when COVID clears up a little bit,
• 1:19:19
  Speaker 3: we can play something real big, a give back home
• 1:19:22
  Speaker 3: and away. We can come to Atlanta, y'all can come
• 1:19:23
  Speaker 3: to New York. Yeah, if you're interested.
• 1:19:26
  Speaker 4: Now, one hundred percent, I'm in. You want to know
• 1:19:27
  Speaker 4: what's so? What's what's crazy? Is that.
• 1:19:31
  Speaker 1: Word to my mother?
• 1:19:37
  Speaker 3: Yeah?
• 1:19:37
  Speaker 1: Right now, listen right our hands down. We did the
• 1:19:41
  Speaker 1: gas station giveaway. We did the gas station giveaway. Y'all
• 1:19:45
  Speaker 1: announce that y'all was doing the dyking thing. I'm laying
• 1:19:48
  Speaker 1: in in bed with my wife. I called Neo and
• 1:19:50
  Speaker 1: I said, Yo, Neil, let's go to New York. I said, Yo,
• 1:19:55
  Speaker 1: e y l trapper. They got a thing they're doing
• 1:19:58
  Speaker 1: with dyking tomorrow. Let's go to New York. Alex had
• 1:20:01
  Speaker 1: to close on his house and I go. Alex said
• 1:20:06
  Speaker 1: he couldn't go. He had to do something he couldn't
• 1:20:08
  Speaker 1: take off. Neil had to go and get his daughter
• 1:20:12
  Speaker 1: literally was coming. I was like, yo, let's jump on
• 1:20:14
  Speaker 1: a flight and come as well. And we was gonna
• 1:20:18
  Speaker 1: pop out here. I swear it was gonna pop out.
• 1:20:21
  Speaker 1: My thing is like, look, I gotta be involved in
• 1:20:22
  Speaker 1: the community every way. So I'm with that one hundred percent.
• 1:20:26
  Speaker 4: And after we did it, shout out to Brandon, I
• 1:20:28
  Speaker 4: use with him mother night. Yeah, I'm like, yo, bro,
• 1:20:30
  Speaker 4: we gotta do it. We gotta do something big for
• 1:20:32
  Speaker 4: New York.
• 1:20:32
  Speaker 3: So yeah, good good acts always inspire other good acts,
• 1:20:36
  Speaker 3: and it's like competitive competition to do good. And I
• 1:20:39
  Speaker 3: think as entrepreneurs it's like, you know, we we we can,
• 1:20:43
  Speaker 3: you know, show nice things, and that's great. We got
• 1:20:46
  Speaker 3: to encourage people that way. But I think we also
• 1:20:49
  Speaker 3: got to encourage people, you know, whatever whatever it is,
• 1:20:51
  Speaker 3: because it might be five dollars, that's something, it might
• 1:20:53
  Speaker 3: be a smile. You never know how you can, but
• 1:20:56
  Speaker 3: you do can affect somebody else to do something good.
• 1:20:59
  Speaker 3: Like you know what I'm saying, Like you might give
• 1:21:00
  Speaker 3: away forty thousand dollars. Somebody might not be in a
• 1:21:02
  Speaker 3: position to do that, but they might be in a
• 1:21:03
  Speaker 3: position to just help a lady across the street. You
• 1:21:06
  Speaker 3: know what I'm saying, Just give a kid two dollars
• 1:21:10
  Speaker 3: and not even say, yo, keep the candy. I don't
• 1:21:12
  Speaker 3: even want the candy. Just take two dollars, like you
• 1:21:13
  Speaker 3: know what I'm saying. So we need more of that
• 1:21:15
  Speaker 3: because we're that's all we really have is each other.
• 1:21:18
  Speaker 4: You know.
• 1:21:18
  Speaker 1: And we got an amazing unit and it's just you
• 1:21:22
  Speaker 1: just brung up, Brandon. And it's crazy being in New
• 1:21:25
  Speaker 1: York seeing all the love. But it was another thing
• 1:21:27
  Speaker 1: that I wanted from New York, right, being here seeing love.
• 1:21:33
  Speaker 1: I rock with New York. Y'all got something here that's
• 1:21:35
  Speaker 1: different from everywhere else, right, and that's that's whole and
• 1:21:40
  Speaker 1: rock Nation. One of my goals was to get signed
• 1:21:44
  Speaker 1: as a management deal, to get met rock Nation to
• 1:21:46
  Speaker 1: actually manage my company, to help that take it to
• 1:21:49
  Speaker 1: the next level.
• 1:21:51
  Speaker 4: And so that's like being in New York too, feeling it.
• 1:21:53
  Speaker 1: I'm like, well, you just brung it up like so
• 1:21:55
  Speaker 1: many people here, but we don't think about who manages
• 1:21:59
  Speaker 1: the entrepreneurs and gives that outlet. Yeah, nobody, no a
• 1:22:04
  Speaker 1: list company or celebrities really have edified the education in
• 1:22:08
  Speaker 1: the black community yet and it's it's crazy. Not only
• 1:22:12
  Speaker 1: is it powerful and impactful, we see it, but then
• 1:22:15
  Speaker 1: the money that's circulating through the community is crazy.
• 1:22:19
  Speaker 4: So now that's one of the things.
• 1:22:21
  Speaker 3: It just so happens that we got. We got the
• 1:22:24
  Speaker 3: American Gangster album, we got the black album. You know,
• 1:22:29
  Speaker 3: rock Nation, man, you got a lot of friends, actually,
• 1:22:32
  Speaker 3: people over the shout out to everybody in Rock Nation
• 1:22:36
  Speaker 3: for sure, good people over there, people that we know
• 1:22:39
  Speaker 3: for sure, good people. All right, So how can the
• 1:22:43
  Speaker 3: people contact you? How's your what's your social media handles?
• 1:22:46
  Speaker 3: What's your website?
• 1:22:47
  Speaker 1: All that information at him five hundred on Instagram at
• 1:22:50
  Speaker 1: him five hundred, on YouTube at him five hundred everywhere
• 1:22:55
  Speaker 1: on Twitter as well. Recession Proof Extreme is the website
• 1:22:59
  Speaker 1: to just check out the team that I offer my
• 1:23:01
  Speaker 1: program wise is Recession Proof Extreme. Also, you can visit
• 1:23:04
  Speaker 1: me on Instagram at him five hundred, click the link
• 1:23:07
  Speaker 1: in my bio, or if you want more content and
• 1:23:09
  Speaker 1: just learn more about financial literacy, take a take a
• 1:23:11
  Speaker 1: scroll through my page. I got a ton of videos
• 1:23:14
  Speaker 1: where I just teach and just get information away for free. Yeah.
• 1:23:17
  Speaker 3: Shout out to Sherry Bryant, President of rock Nation, who
• 1:23:21
  Speaker 3: is a loyal supporter of Earn Your Leisure, a good
• 1:23:25
  Speaker 3: friend of ours.
• 1:23:26
  Speaker 4: I just we got to see one for her.
• 1:23:28
  Speaker 3: Yeah, whatever you're ready. I sent my congratulations to snow Alectro.
• 1:23:34
  Speaker 3: Hopefully that got sent to her. Shout out to Sherry.
• 1:23:39
  Speaker 3: Shout out to Sherry for sure Troy Housekeeping items.
• 1:23:41
  Speaker 4: Yeah, shout out everybody on Patreon dot com. Y'all know
• 1:23:43
  Speaker 4: that's our proud to pay program.
• 1:23:45
  Speaker 1: Man.
• 1:23:45
  Speaker 4: It is uh, it is grown, man, It's so it's
• 1:23:47
  Speaker 4: so interesting to watch how that has grown over the time.
• 1:23:50
  Speaker 4: And I shout out to everybody that is on ey
• 1:23:52
  Speaker 4: l University. You know, the Patreon Tier five members, you
• 1:23:55
  Speaker 4: have access to the number one online school for education
• 1:23:57
  Speaker 4: that is eyl University. And shout out everybody that's a
• 1:24:01
  Speaker 4: point in the merch.
• 1:24:01
  Speaker 3: Man.
• 1:24:02
  Speaker 4: It is going really well.
• 1:24:03
  Speaker 1: Man.
• 1:24:03
  Speaker 4: So I'm happy to see everybody out there. I need
• 1:24:05
  Speaker 4: some people to start tagging when they win the merged though.
• 1:24:08
  Speaker 1: Man.
• 1:24:08
  Speaker 4: I like seeing that. Man. I love to see people
• 1:24:09
  Speaker 4: working out in it. I love to seeing people having
• 1:24:12
  Speaker 4: it all while they're watching market Mondays or they watching
• 1:24:14
  Speaker 4: the podcast. So keep doing more of that, man, I
• 1:24:16
  Speaker 4: love to see it.
• 1:24:17
  Speaker 3: Yeah, for sure. Thank you guys for rocking with us.
• 1:24:20
  Speaker 3: We appreciate you. We'll see you next week. Peace.
• 1:24:23
  Speaker 1: Peace, my graduates from my school being forced back.
• 1:24:29
  Speaker 3: Drop bag Drop, Mike, drop drop.
• 1:24:45
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