Latest / Motion and Success / How to Use AI to Fix Your Credit in 2026 + Life Insurance Wealth Strategy | Ft. Angel Spear

Transcript

How to Use AI to Fix Your Credit in 2026 + Life Insurance Wealth Strategy | Ft. Angel Spear · Motion and Success

0:00
[SPEAKER_00]: Hey, my name is Angel Spear.
0:02
[SPEAKER_00]: I am the finance angel.
0:04
[SPEAKER_00]: I help entrepreneurs helping them to leverage their credit so that they can actually get fun.
0:07
[SPEAKER_00]: They're not literally been doing people here since I was like 11 years old.
0:10
[SPEAKER_00]: So like 25 plus years.
0:12
[SPEAKER_00]: Wow.
0:12
[SPEAKER_00]: Yeah.
0:13
[SPEAKER_06]: Did you have me home so long?
0:14
[SPEAKER_00]: Yeah, here are some alanas.
0:16
[SPEAKER_00]: So long sweet, still play that.
0:17
[SPEAKER_06]: So what happened?
0:17
[SPEAKER_06]: Like, what was the transition?
0:19
[SPEAKER_06]: Like, why did you stop after 25 years?
0:21
[SPEAKER_00]: What changed for me was the defamation?
0:23
[SPEAKER_00]: My son was my only son, Gabriel, he was 18 years old.
0:26
[SPEAKER_00]: He was murdered by his supposed to be best friends.
0:30
[SPEAKER_00]: Boys that he grew up with since he was a fifth grade.
0:32
[SPEAKER_00]: So when that happened, I was both homicidal and suicidal.
0:36
[SPEAKER_00]: Kind of like, push back from everything at that point.
0:39
[SPEAKER_00]: So for almost a year or so, I might have to do anything really.
0:42
[SPEAKER_00]: some like get I had to figure it out so I transitioned from here into transportation.
0:47
[SPEAKER_00]: So one day I woke up and was like how am I going to buy a truck?
0:51
[SPEAKER_00]: Okay.
0:51
[SPEAKER_00]: And I mean it worked out.
0:52
[SPEAKER_00]: It worked I have to tell my story because I know it can help other people.
0:55
[SPEAKER_00]: So that's my why now and that's the thing that keeps me pushing to do it.
0:59
[SPEAKER_00]: I made out of mistakes.
1:00
[SPEAKER_00]: I've been through all of that for you so that you don't have to.
1:02
[SPEAKER_00]: So that you can actually start it, build it, scale it, and protect it.
1:06
[SPEAKER_00]: If I could do it, you could do it.
1:08
[SPEAKER_04]: What's going on, family, it's Iowa and Cody, and today's episode is sponsored by Mailbox Millionaire Academy, the number one credit and business by mentorship in the country.
1:19
[SPEAKER_04]: Mailbox Millionaire Academy teaches high-level entrepreneurs and first-time business owners how to buy small profitable businesses that already work.
1:29
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1:32
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1:36
[SPEAKER_04]: And the best part about it is if you don't have the money, you can use creative, finance, strategies, you'll get inside the academy.
1:43
[SPEAKER_04]: Let's be real ya.
1:45
[SPEAKER_04]: Most people want to get into commercial real estate, but they don't want to deal with tenants.
1:52
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1:53
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1:54
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2:04
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2:09
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2:18
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2:24
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2:28
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2:34
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2:49
[SPEAKER_06]: And right now, right now,
2:51
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2:54
[SPEAKER_06]: All you have to do is text the word motion so that's MOTION to the number 347-429-6496 to get instant access.
3:07
[SPEAKER_06]: Again, text the word motion so that's MOTION to the number
3:13
[SPEAKER_06]: 347-429-6496 and tell him, listen, you can't find the motion in success family, so that way you can bless you guys.
3:24
[SPEAKER_06]: Let's get back to this episode because this one is going to be a bang.
3:33
[SPEAKER_04]: It's IO and listen, we are back with another amazing episode.
3:37
[SPEAKER_04]: I'm really excited for this one, bro.
3:39
[SPEAKER_06]: I'm excited for this one as well.
3:40
[SPEAKER_06]: So this is an episode where we get to interview a young lady by the name of Angel.
3:45
[SPEAKER_06]: She is crushing it in the financial literacy space.
3:49
[SPEAKER_06]: She's helping our Spunus build their credit, get coverage, and everything.
3:53
[SPEAKER_06]: So if you're an entrepreneur, you're looking to get more coverage.
3:56
[SPEAKER_06]: If you're looking to get more funding, you're looking to scale your business.
3:59
[SPEAKER_06]: this is the podcast that you've got to watch from the start, all the way over to the end because I promise you this is going to be a banger.
4:06
[SPEAKER_06]: So, as you guys are here right now, for anybody that wants to get a free course, go ahead and type text us to the number 646-624-0611.
4:16
[SPEAKER_06]: Text the word GHL.
4:18
[SPEAKER_06]: We'll go ahead and give you a software that has been working for us.
4:21
[SPEAKER_06]: Along with a three course, if you go anywhere else there is no other opportunity for that.
4:26
[SPEAKER_06]: So listen guys, go ahead and text where GHL to the number 646-624-0611.
4:33
[SPEAKER_06]: I promise you this software has literally changed the game for us over the past few months.
4:37
[SPEAKER_06]: So, Angel, go ahead and introduce yourself.
4:39
[SPEAKER_06]: Let the people know who you are and we can start from there.
4:42
[SPEAKER_00]: Hey, my name is Angel Spear.
4:45
[SPEAKER_00]: I am the finance angel.
4:47
[SPEAKER_00]: What I do is I help entrepreneurs stop blocking their access to capital.
4:51
[SPEAKER_00]: All right, so by way of just helping them, you'll make sure that their businesses are structured.
4:54
[SPEAKER_00]: Helping them to leverage their credit, so they can actually get funding that they need for the business.
4:59
[SPEAKER_00]: So they can actually start it, build it, scale it, and protect it.
5:04
[SPEAKER_00]: OK.
5:04
[SPEAKER_00]: Put a bit of fabric ahead of business at age rooms.
5:07
[SPEAKER_06]: No, it's nice, nice, nice, nice.
5:08
[SPEAKER_06]: OK.
5:09
[SPEAKER_06]: So we'll get started, bro.
5:10
[SPEAKER_04]: Yeah, definitely, um, I want a little bit of, you know, we like to jump in the back story like kind of like, because I know before all the success, you know, before the business success, you know, who was injured before that?
5:21
[SPEAKER_00]: I mean, intro was a young girl who, uh...
5:25
[SPEAKER_00]: live though of basically of love like you know people have like fantasies of life and all that as you can I was on those people but I kind of knew exactly what I wanted for my life already so I was like the 70 year old kid who like we come to come to a really large family who my cousins would come over and I would like see them as like my baby dolls I would take a party here do they here I would get in trouble so from back in a day I knew what I wanted from seven years old I could tell you I wanted one son and I wanted to do here
5:54
[SPEAKER_00]: I want it to do here.
5:55
[SPEAKER_00]: Oh, and I also want it to become a lawyer when I was a kid You know as a kid, I don't know.
6:00
[SPEAKER_04]: I just knew I received up on TV and be like, I want to do that Was it like because like I know some time when it'd be like people who talk a lot, you know, you're gonna end up being a lawyer
6:10
[SPEAKER_04]: That's right.
6:11
[SPEAKER_00]: All right.
6:11
[SPEAKER_00]: All right.
6:13
[SPEAKER_00]: What did he say?
6:13
[SPEAKER_00]: Like on the one revs.
6:15
[SPEAKER_00]: All right.
6:16
[SPEAKER_00]: Yeah.
6:16
[SPEAKER_00]: But no, no.
6:17
[SPEAKER_00]: So I knew I wanted to be an attorney.
6:18
[SPEAKER_00]: It was later on that I was like, hey, I wanted to be like an criminal justice.
6:22
[SPEAKER_00]: But then I started looking like, it was so much going on.
6:25
[SPEAKER_00]: I started noticing.
6:27
[SPEAKER_00]: They liked the biggest liars and made some time couldn't know what it's here.
6:30
[SPEAKER_00]: Their person is guilty, you got it and want to do that.
6:32
[SPEAKER_00]: So I was like, yeah, the Lord thing kind of went.
6:34
[SPEAKER_00]: But what stuck with me was here.
6:36
[SPEAKER_00]: Like I literally been doing people here since I was like 11 years old.
6:39
[SPEAKER_00]: Wow.
6:40
[SPEAKER_00]: Yeah.
6:40
[SPEAKER_06]: Open to like, I don't know.
6:42
[SPEAKER_00]: Um, up until basically COVID.
6:44
[SPEAKER_00]: COVID.
6:45
[SPEAKER_00]: Yeah.
6:45
[SPEAKER_00]: So like 25 plus years.
6:47
[SPEAKER_06]: Wow.
6:49
[SPEAKER_06]: Did you call us along?
6:51
[SPEAKER_00]: Yeah.
6:51
[SPEAKER_00]: Here are some sweet stuff like that.
6:54
[SPEAKER_00]: A few years.
6:55
[SPEAKER_00]: I was on a street called Memorial Drive in Atlanta for years.
6:59
[SPEAKER_00]: I'm talking here.
7:00
[SPEAKER_00]: Like 12 years.
7:02
[SPEAKER_00]: So what happened?
7:03
[SPEAKER_06]: What was the transition?
7:06
[SPEAKER_06]: Why did you stop after 25 years?
7:08
[SPEAKER_06]: You had your own salon.
7:09
[SPEAKER_06]: You had your sweet.
7:10
[SPEAKER_06]: You have people coming to you.
7:12
[SPEAKER_06]: I'm sure you got repeat clients for you probably seeing them when they were kids.
7:15
[SPEAKER_06]: And so they got up and was like, I don't have a lot of bargaret at one point.
7:19
[SPEAKER_06]: I was like a kid, like a little shit.
7:21
[SPEAKER_06]: You don't have me like a new boy.
7:23
[SPEAKER_06]: Yeah, I should grow some men.
7:25
[SPEAKER_06]: Oh, years and years and years and years and years.
7:27
[SPEAKER_06]: You've seen me grow as a team.
7:28
[SPEAKER_06]: Come here.
7:29
[SPEAKER_00]: For sure, it becomes family at that point.
7:31
[SPEAKER_00]: So for, yeah, yeah, for sure.
7:33
[SPEAKER_00]: So I really loved to hear and shade of 40 me a lot of opportunities.
7:37
[SPEAKER_00]: I became a teenage mom so it helped me to be able to be there and make sure I could be there for my son one financially.
7:43
[SPEAKER_00]: But I never had to miss anything with him.
7:44
[SPEAKER_00]: I was always attracted me to football games, whatever it is that they had.
7:48
[SPEAKER_00]: Teacher could call up to the school, whatever the situation was.
7:51
[SPEAKER_00]: So I loved that part of it and I also excel pretty good with it.
7:54
[SPEAKER_00]: So I went on different reality shows and was doing here.
7:56
[SPEAKER_00]: Difficult like that and LA all type of stuff.
7:58
[SPEAKER_00]: But what changed for me was the death of my son, so when that happened I kind of like
8:04
[SPEAKER_00]: push back from everything at that point.
8:07
[SPEAKER_00]: So for almost a year, it's time I didn't do anything really.
8:10
[SPEAKER_00]: So I started getting my moments and back and then they come COVID.
8:14
[SPEAKER_00]: So it was like, all right, with that I said, you know what, it'd never be a time where I have to sit in the house and not make money again, because I just came from that.
8:21
[SPEAKER_00]: You know, so I'm like, yeah, I had to figure it out.
8:22
[SPEAKER_00]: So I transitioned from here in to transportation.
8:26
[SPEAKER_00]: So one day I woke up and was like, how am I going to go by a truck?
8:30
[SPEAKER_00]: And I mean it worked out.
8:31
[SPEAKER_00]: It worked out.
8:31
[SPEAKER_00]: So I scared it's killing that business, but it was not fulfilling to me.
8:34
[SPEAKER_00]: I don't love it.
8:35
[SPEAKER_00]: I've never drove a truck.
8:36
[SPEAKER_00]: I don't have a CDF.
8:38
[SPEAKER_00]: So with that, I guess it became more of just the business aspect because I love doing business.
8:42
[SPEAKER_00]: But it wasn't fulfilling.
8:43
[SPEAKER_00]: It wasn't something that I love to do.
8:46
[SPEAKER_04]: So yeah, that definitely sounds like a hard and it's a journey, you know, especially after a loss.
8:54
[SPEAKER_04]: and still, you know, having to go out pay bills, still a lot of hustle, like, how was your mindset during that time?
9:00
[SPEAKER_04]: And like, how do you overcome something like that?
9:03
[SPEAKER_00]: And I'm just be always 100 who I am, you know, I'm put it all on the table during the time.
9:08
[SPEAKER_00]: My son was my only son, Gabriel, who's 18 years old.
9:11
[SPEAKER_00]: So when that happened, I was both.
9:13
[SPEAKER_00]: Homocidal and suicidal.
9:16
[SPEAKER_00]: And I was saying, because like, you go from being there with your child every day, him leaving to say, hey, my love of you, I see you later, to never see them again.
9:24
[SPEAKER_00]: The hardest thing, so my mindset was not here, right?
9:27
[SPEAKER_00]: And I think the piece that made it even harder was the lack of knowledge that I had about protection, like coverage, you know, insurance.
9:34
[SPEAKER_00]: Because you know, you think, oh, okay, well, you know, I got insurance for me with a writer on my policy this whole time.
9:39
[SPEAKER_00]: You think, oh, that's gonna be enough.
9:41
[SPEAKER_00]: It's not sufficient.
9:42
[SPEAKER_00]: I had a $25,000 policy, which he was a writer on.
9:46
[SPEAKER_00]: He had two services.
9:47
[SPEAKER_00]: I didn't work for over six months, you know?
9:50
[SPEAKER_00]: So it was like, you got bills or type of things, you know?
9:52
[SPEAKER_00]: So it's like thankfully, I've always been a type that was decent with money and my credit was good.
9:56
[SPEAKER_00]: So I was able to keep going, but it showed me like I'll have to learn more about the life insurance thing.
10:01
[SPEAKER_00]: And now that just for me, I could teach others with that.
10:04
[SPEAKER_00]: So that became another part of the life.
10:06
[SPEAKER_00]: But yeah, so yeah, that was what my mindset was.
10:09
[SPEAKER_06]: Okay, question.
10:10
[SPEAKER_06]: If you don't mind me asking, how do you pass your way?
10:12
[SPEAKER_06]: We'll have to.
10:14
[SPEAKER_00]: So, the story that I got was that he was murdered by his supposed to be best friends, boys that he grew up with since he became a fifth grade, like they all went through 12 grade high school.
10:27
[SPEAKER_00]: So, for what I understand in school is a bit more of a jealousy thing.
10:30
[SPEAKER_00]: That story is still like, that's another thing that made it really, really hard for me to deal with the situation.
10:37
[SPEAKER_00]: Because for me, being in a job like the entire time and then being essentially your best friend telling me you just stop that, I should not know.
10:43
[SPEAKER_00]: One thing I would say about Gabriel, his name is Gabe.
10:45
[SPEAKER_00]: He's gave it all, I'm Angel.
10:48
[SPEAKER_00]: My thing with him was always y'all.
10:50
[SPEAKER_00]: It don't matter what you tell other people in the streets.
10:52
[SPEAKER_00]: Like when it comes to those don't lights, because we don't want anyone to help you get through it.
10:56
[SPEAKER_00]: So he'd tell me stuff like I did this morning's happen or you don't want to be honest.
11:00
[SPEAKER_00]: So for me having that relationship with him to not knowing what happened to him, it's like...
11:05
[SPEAKER_00]: insane.
11:06
[SPEAKER_00]: So that was just so even now that was like, you know, you get conflict and things.
11:11
[SPEAKER_00]: So the text and say this thing, you know, you hear people on the street say that you just kind of, but one thing I know for sure is my baby is mine.
11:18
[SPEAKER_00]: So I guess now it don't matter what happened or what's in the situation.
11:21
[SPEAKER_00]: It's like I'm still living what I never did.
11:24
[SPEAKER_06]: Yeah, how do you do that?
11:25
[SPEAKER_00]: then I guess, I don't even say I guess God, because God and therapy, right?
11:32
[SPEAKER_00]: And like yeah, little of my therapist has been like my saving grace and God because I still do it every day and it's hard to get up every day because you sit near like you don't have anybody else, why do I go so hard?
11:45
[SPEAKER_00]: Today I wake up and I'm like, yo,
11:47
[SPEAKER_00]: I don't have to go hard today because what is my wife?
11:51
[SPEAKER_00]: You know, people say all the time they're wise.
11:52
[SPEAKER_00]: Oh, it's my kids.
11:54
[SPEAKER_00]: It's my family.
11:54
[SPEAKER_00]: I don't have that.
11:55
[SPEAKER_00]: I'm divorced.
11:56
[SPEAKER_00]: And my child is gone.
11:58
[SPEAKER_00]: So I guess not what just mean.
11:59
[SPEAKER_00]: No one now my wife is.
12:01
[SPEAKER_00]: I have to get in front of these cameras now because I never used to do it.
12:04
[SPEAKER_00]: I have to tell my story because I know it can help other people.
12:08
[SPEAKER_00]: So that's my wife now and that's the thing that keeps me pushing to do it.
12:13
[SPEAKER_00]: He's difficult as it is.
12:14
[SPEAKER_00]: I mean, going through a separate depression.
12:17
[SPEAKER_00]: I'm depressed.
12:19
[SPEAKER_00]: Some days, I don't want to do it, but I think about the people.
12:22
[SPEAKER_00]: I have to.
12:26
[SPEAKER_04]: I really love that, because honestly, a lot of people, things like that happen.
12:31
[SPEAKER_04]: They don't really know how to grieve.
12:33
[SPEAKER_04]: A lot of them, you know, they put the business aside.
12:36
[SPEAKER_04]: They kind of enter a space where it's like,
12:39
[SPEAKER_04]: you know, they're not in their right mind.
12:42
[SPEAKER_04]: Some of you might actually meet medical health.
12:46
[SPEAKER_04]: You know, so it really could get bad.
12:47
[SPEAKER_04]: So the fact that you're coping with it and you know, you're out here still impacting, you know, here on a podcast, you know, pushing your business like, it's amazing.
12:58
[SPEAKER_00]: Yeah, it comes down to, you have to make a decision, right?
13:01
[SPEAKER_00]: Cause I'm sitting there, I'm at the house, I'm alone, right?
13:03
[SPEAKER_00]: And like I said in the beginning, I was both homicidal and suicidal.
13:06
[SPEAKER_00]: So I'm like, then one day it was just like,
13:09
[SPEAKER_00]: What gave thing?
13:10
[SPEAKER_00]: He would be like, what's up?
13:12
[SPEAKER_00]: What's going on?
13:13
[SPEAKER_00]: He was my biggest supporter.
13:15
[SPEAKER_00]: I couldn't cry.
13:16
[SPEAKER_00]: I'm coming over, bring it in, you know?
13:18
[SPEAKER_00]: Since I'm like, I had to put that to the side and say, I've seen both sides.
13:21
[SPEAKER_00]: I've seen people turn their drugs to alcohol, to master a problem.
13:24
[SPEAKER_00]: And I made a decision, you know, I'm not going to drink.
13:27
[SPEAKER_00]: Because I would be alcoholic, because what are you doing?
13:29
[SPEAKER_00]: You're trying to mask your pain, right?
13:30
[SPEAKER_00]: I would probably drink through the time I woke up to the time I went to sleep if that was a key.
13:33
[SPEAKER_00]: So I had to still decide to be the mom that gave you still be proud of.
13:38
[SPEAKER_00]: no matter how hard that is.
13:39
[SPEAKER_00]: So I think about him like every single day in every decision.
13:43
[SPEAKER_00]: Like even right now I say God and him let me hear in my dad.
13:46
[SPEAKER_00]: You know what I mean?
13:46
[SPEAKER_00]: Because to be able to sell my story up to like this happen now nine years, right?
13:53
[SPEAKER_00]: But it still feels like yesterday to me.
13:56
[SPEAKER_00]: And up to like maybe a year and a half ago, I couldn't sit and have this conversation.
14:00
[SPEAKER_00]: I couldn't sit and say, oh my son, what's my, I couldn't even say it was worth.
14:06
[SPEAKER_00]: through process, through saying, okay, my baby leave me, through knowing that people have been in my same similar shoes and they feel alone, because that's what you feel, you feel isolated.
14:16
[SPEAKER_00]: You feel like you don't know about it, understand what I'm going through.
14:19
[SPEAKER_00]: But I need to let people know that I understand.
14:21
[SPEAKER_00]: So that's the big thing right now, and that's why I'm here.
14:24
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15:01
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15:04
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15:35
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15:42
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[SPEAKER_04]: Back to the episode, yeah.
15:57
[SPEAKER_06]: I love that, I love that, I love that, I love that.
16:00
[SPEAKER_06]: Now you're, you're, you're, you're, you know, you're not, now you're the finance angel, you know, like,
16:07
[SPEAKER_06]: You're aimed at other people, like, kind of live by your name at this point, because your story, your message, things that you went through your whole life, you know, definitely inspires other people.
16:16
[SPEAKER_06]: We're off to do the thing I do because I, oh man, if she went through this, like, and she's still driving, and she's still going crazy like, I think I can do the same.
16:24
[SPEAKER_06]: Absolutely, you know.
16:26
[SPEAKER_06]: And that's really what it's mean to you about.
16:28
[SPEAKER_06]: Sometimes you've got to see somebody as an example, you know?
16:32
[SPEAKER_06]: And I mean, you're a perfect example, and they kind of,
16:35
[SPEAKER_06]: I didn't really know like too much of like, you know, how you're story gonna do, but it makes sense like the reason why you're doing what you're doing, how are you doing, how can things like, by the way, sure, to help people start their business, and say, I don't, you know, do the hair business, you know, from going from a brick and mortar to an online business, it's completely different from what you call it, like this.
16:56
[SPEAKER_06]: Absolutely.
16:56
[SPEAKER_05]: So, let's get started.
16:59
[SPEAKER_05]: Yeah.
16:59
[SPEAKER_04]: Yeah, definitely I want to jump into you know this this the new the business side like jumping you know going from salon To jumping into the financial world.
17:10
[SPEAKER_04]: How was that transition was it difficult was it like You had to go back to the drum board a few times how to relearn some things like how was that transition?
17:19
[SPEAKER_00]: Oh, man, you go from the hair angel to the finance angel.
17:23
[SPEAKER_00]: Yeah.
17:23
[SPEAKER_00]: Because it's completely different worlds.
17:25
[SPEAKER_00]: So you go from being in the salon, being out, it's not going to be people like, I am my own, you know, business car.
17:31
[SPEAKER_00]: So people like, oh, you look good.
17:32
[SPEAKER_00]: We know, that's my promotion.
17:34
[SPEAKER_00]: That's in person.
17:35
[SPEAKER_00]: So now I'm saying, who have to get on Instagram?
17:39
[SPEAKER_00]: I have to come on these podcasts.
17:40
[SPEAKER_00]: I have to completely different.
17:42
[SPEAKER_00]: Like, honestly, you know, I'm still struggling with that.
17:45
[SPEAKER_00]: Because I've come from a life where people know me for one thing, and I was able to still maintain, so I'm privacy in my life.
17:51
[SPEAKER_00]: So now, being in front of people all the time, hey, I'm in, you know, and so I'm kind of about different parts of my life, and then now I'll say, you have to show different parts of your life.
17:58
[SPEAKER_00]: You do it.
17:58
[SPEAKER_00]: It's very, very different.
17:59
[SPEAKER_00]: And some of them should go with that.
18:01
[SPEAKER_00]: But again, it goes back to, I say, you have to do this.
18:05
[SPEAKER_00]: What I realize is, I'm being selfish if I'm not putting myself out here for people.
18:10
[SPEAKER_00]: I'm not doing people in justice, you know what I'm saying?
18:13
[SPEAKER_00]: I'm just disservice at this point, if I don't show people what I hate, if I could do it, you could do it.
18:18
[SPEAKER_00]: And a transition was already there for me in the finance because
18:23
[SPEAKER_00]: being an entrepreneur, I've been an entrepreneur my entire life.
18:25
[SPEAKER_00]: You have to have some type of financial literacy to be able to sustain yourself in the industry.
18:30
[SPEAKER_00]: But of course, I was doing it all wrong, but thankfully, I was making enough money to do it.
18:36
[SPEAKER_00]: Cause I was so funded, everything.
18:38
[SPEAKER_00]: So that's another reason why I've got into financial literacy.
18:41
[SPEAKER_00]: Everything I do right now is from my own personal experience.
18:44
[SPEAKER_00]: So that makes the difference for me and some people.
18:46
[SPEAKER_00]: Some people will talk about what they see, this is the life that I live, from doing this, self-funded, from going through the things with the finance, the life insurance, from Barry and my dad, who not having coverage, you know, and me thinking, okay, well, you know, just cancel that, you know, I'm saying, I got you, you pay for what you don't know.
19:06
[SPEAKER_00]: So it's like bottles, different things, and then me having my own personal injury story.
19:10
[SPEAKER_00]: and have a life insurance help me so it's like yo it's all been personal it's all been experience so yeah I definitely I do want to jump into those stories but
19:21
[SPEAKER_04]: Being that she was in the here, you know, space.
19:24
[SPEAKER_04]: How was like marketing the business like?
19:25
[SPEAKER_04]: Was it like, did you really like, because I know nowadays, everybody, you know, they're posting the hair styles on social media, on Instagram, TikTok, nowadays, is like, what's the, what's the good salons in that land and in New York?
19:37
[SPEAKER_04]: Like, were you like using social media at that time or was it like word and mouth, which is so long?
19:43
[SPEAKER_00]: Yeah, I think about having, I've been doing this for years.
19:45
[SPEAKER_00]: I've been through the 90s, early 2000s.
19:47
[SPEAKER_00]: So you think about,
19:48
[SPEAKER_06]: and someone's so crazy right up in the game from the 25 years you've got to think about it, right?
19:56
[SPEAKER_00]: Exactly.
19:57
[SPEAKER_00]: So you think about when I started it was it was flyers on people cars.
20:02
[SPEAKER_00]: Yeah.
20:02
[SPEAKER_00]: It was word amount, you know, you talking to one person you get referrals.
20:05
[SPEAKER_00]: It wasn't, oh, the biggest thing at the time you might see is somebody had a billboard.
20:09
[SPEAKER_00]: That was a big issue ever.
20:10
[SPEAKER_00]: If you hear somebody on the radio, it's about that bit, oh man, because at the end of that, I'm passing out business cards.
20:15
[SPEAKER_00]: It was business card, because we didn't have all the social media and stuff, and when that finally came out, we didn't know to utilize it for promotion.
20:22
[SPEAKER_00]: We just put in post on upstairs though.
20:24
[SPEAKER_00]: It wasn't the time where we was showing people how to do it.
20:26
[SPEAKER_00]: But we had digital products, none of that stuff was going on.
20:29
[SPEAKER_00]: I'm so proud.
20:29
[SPEAKER_00]: I come from the $5 pack of weed.
20:32
[SPEAKER_00]: You know what I'm saying?
20:32
[SPEAKER_00]: Yeah, we braided and they put in their microwave, $2 a pack.
20:35
[SPEAKER_00]: So yeah, you know what I'm saying?
20:37
[SPEAKER_00]: These is back at a day, I don't know, yeah, a little younger.
20:39
[SPEAKER_00]: Back at a day, somebody was putting the little chip bags in the microwave.
20:42
[SPEAKER_00]: No one now would have blew your microwave up.
20:43
[SPEAKER_00]: I'm so proud, this is where I come from.
20:46
[SPEAKER_00]: No one girls here at high school, so it's like, yeah, it was completely different.
20:50
[SPEAKER_00]: It was a word of mouth-based.
20:52
[SPEAKER_00]: That and your business cart was everything.
20:54
[SPEAKER_00]: It was putting those in the bowl of digas.
20:55
[SPEAKER_00]: You putting them in the Chinese store, you know what I'm saying?
20:58
[SPEAKER_00]: Yeah, it was nothing like this.
20:59
[SPEAKER_00]: I was innovative when I made a flyer with the little snippets.
21:02
[SPEAKER_00]: I could peel my number off.
21:03
[SPEAKER_00]: I could peel it off the middle five minutes.
21:05
[SPEAKER_00]: Yeah, yeah, that was where we came from.
21:07
[SPEAKER_06]: Yeah, yeah, yeah.
21:08
[SPEAKER_06]: You ain't got a cigarette.
21:09
[SPEAKER_06]: You got pages and, you know, you know, beepers and stuff.
21:12
[SPEAKER_06]: Yeah, yeah, yeah, yeah, yeah, yeah, yeah.
21:15
[SPEAKER_06]: Yeah, yeah, yeah, yeah.
21:16
[SPEAKER_00]: Those days, yeah, but here's the thing when that was, okay, some order, but not that order.
21:20
[SPEAKER_00]: Yeah, I'd say beepers.
21:22
[SPEAKER_00]: Yeah, beepers.
21:22
[SPEAKER_00]: I mean, the beepers got over.
21:25
[SPEAKER_06]: Yeah, I was around.
21:26
[SPEAKER_00]: You know, I didn't know.
21:27
[SPEAKER_00]: I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't know, I don't
21:48
[SPEAKER_00]: And I feel back as I always say, you guys don't know where we came from, which was fun because we didn't have like all the GPS and all the meat me here at this time, we were by herself and we were like, yo, meat me on the corner, you know, so I was stop and say, oh, whatever you write, I threw it in a club, you know, everybody had the meat there.
22:06
[SPEAKER_00]: And I was like, oh, I'll get there when I get there, it's running late.
22:08
[SPEAKER_00]: We met a question, we printed it out from our computer, I didn't get here, like, yeah, it's time's in fun, it's time's in that fun, yeah.
22:15
[SPEAKER_00]: But yeah, that was the difference.
22:17
[SPEAKER_00]: Back then, we didn't have the social media.
22:18
[SPEAKER_00]: It's the word of mouth and it's me hustling.
22:20
[SPEAKER_00]: I'm standing outside the salon.
22:22
[SPEAKER_00]: Yo, come here.
22:22
[SPEAKER_00]: You know, get people, come in.
22:23
[SPEAKER_00]: We're going to the eyebrows.
22:24
[SPEAKER_00]: You know, it's all kind of stuff.
22:26
[SPEAKER_00]: Yeah.
22:26
[SPEAKER_00]: Hey, sorry to interrupt your episode.
22:28
[SPEAKER_00]: My name's Angel Spear, the finance angel.
22:31
[SPEAKER_00]: If you're tired of your credit holding you back, you don't want to pay somebody to fix it.
22:35
[SPEAKER_00]: Because chances are they're not going to fix it right anyways.
22:37
[SPEAKER_00]: And you want to learn how to do it on your own?
22:39
[SPEAKER_00]: I'll also weekly class on Sundays at 7pm Eastern.
22:42
[SPEAKER_00]: All you have to do is join me and I'll see you how to do it on your own.
22:45
[SPEAKER_00]: I'll see you how to make sure credit leverages so you can get money for your business as well as protect the life insurance.
22:51
[SPEAKER_00]: I'll host a class again every Sunday at 7pm.
22:53
[SPEAKER_00]: The link is going to be www.thefinanceangel.com for slash class.
23:00
[SPEAKER_00]: Once again, that's www.thefinanceangel.com for slash class.
23:06
[SPEAKER_00]: I'll see you then, now back to your episode.
23:08
[SPEAKER_04]: It's crazy, because nowadays the game has changed so much.
23:11
[SPEAKER_04]: Now, you know, a lot of the younger girls, they just posted a hairstyle in a lot and now they're the biggest stylists and they said it's just crazy.
23:17
[SPEAKER_05]: You know, he has stylists and everything.
23:19
[SPEAKER_06]: Right?
23:20
[SPEAKER_06]: But I do want to jump into your framework, you know, because I know, like, you kind of figure things out to a point where you transition from, you know,
23:29
[SPEAKER_06]: here in the street, you know, from past no fliers, you know, little posts is on the wall of your Chinese story and you know, to now, you know, fast forward, actually even having your first brick and mortar location for years, to now you're doing on my business and helping people in a financial industry, let me know a little bit more about, you know, what should you do, how do you help people, you know, now it's 20, 16, 24,
23:53
[SPEAKER_00]: Maybe like what do I do as a whole.
23:55
[SPEAKER_00]: Okay, so yeah, what I do now is again like I was saying earlier You know, I help people to make sure their credit is right because you you have to have good credit to be able to leverage it And that's the thing like I help people on the financial side if it's to understand credit because a lot of us have good credit But it don't matter if we're not leveraging it.
24:13
[SPEAKER_00]: We're not making money from our credit then what are we doing right?
24:16
[SPEAKER_00]: So I've seen people how to do it on the front end and the back end.
24:19
[SPEAKER_00]: So I'm seeing entrepreneurs how to get the credit proper, you know, be able to go leverage it so they can go to these banks, you know, and get funding, and stuff like that.
24:26
[SPEAKER_00]: So it's like, you know, it's a number of different ones.
24:29
[SPEAKER_00]: I don't know if you want me to do that anymore or whatever because, um,
24:32
[SPEAKER_00]: Some of the things that I really, really like, if you're an entrepreneur, likes for me, I love things like the financial fitness association, right?
24:40
[SPEAKER_00]: And what they do, they help entrepreneurs, especially to get into different credit unions, but more than that, they also help you with financial literacy.
24:48
[SPEAKER_00]: They have classes and different stuff that you can go online for free.
24:51
[SPEAKER_00]: Once you get in, if I ate dollars a year.
24:53
[SPEAKER_00]: to join right so then also like once you get established you have your business you know already structured properly and you know you looking for the funding I like this place called fundira fundira is part of nerd wallet and what they do is they do like comparisons they show you like with different APRs look like
25:10
[SPEAKER_00]: They help you with the different lines of credit, but they do like a comparison type of thing where you can actually see.
25:16
[SPEAKER_00]: This one may be for me, this one may not.
25:19
[SPEAKER_00]: So if Nurt Wallet will fund it by Nurt Wallet, it's my favorite.
25:22
[SPEAKER_00]: And I also like banknet.gov, excuse me.
25:25
[SPEAKER_00]: And I like them because they're regulated by the OCC.
25:28
[SPEAKER_00]: What the OCCs, they make sure that everybody's being treated fairly.
25:31
[SPEAKER_00]: You know, because a lot of the time you go into a bank.
25:33
[SPEAKER_00]: Yes, it might be right, but they'll tell you that it's not, especially, you know, you walk in there like us, right?
25:39
[SPEAKER_00]: So, with them, they're governed by the OCC, so they make sure they kind of regulate those things.
25:45
[SPEAKER_00]: So those are the things that I like, you know, especially like in this industry.
25:47
[SPEAKER_00]: So that's part of my framework and how, you know, somebody's coming into the industry to help them to get to where they need to go, we look at those.
25:55
[SPEAKER_04]: I don't know if you had mentioned,
26:00
[SPEAKER_04]: You had mentioned credit, like fixing, like, you know, again, people's credit together.
26:05
[SPEAKER_04]: Being that, you know, you was self-funded early on and you had this alone and things like that.
26:09
[SPEAKER_04]: Was like your credit messed up or was it like, you wouldn't have the right information when it came to utilizing credit.
26:16
[SPEAKER_04]: Like, ha ha, like, because I know self-funded, it's coming out of your pocket.
26:21
[SPEAKER_00]: That's the real real real real real real real good question, right?
26:24
[SPEAKER_00]: So I guess I'd have always,
26:27
[SPEAKER_00]: Where's the thing?
26:28
[SPEAKER_00]: I always knew about credit.
26:29
[SPEAKER_00]: I learned some things from my friends, back in the days who does, where families were different, you know?
26:35
[SPEAKER_00]: Others were like, you know, a Jewish person and like an Indian guy gave you some, some real good game.
26:40
[SPEAKER_00]: I was 18, I never forget.
26:41
[SPEAKER_00]: I got what Americans press when I was 18 and I've been with them for 25, 26 years now.
26:46
[SPEAKER_00]: And like just learn this stuff like that, I always kept those things tight that would even tell me, of course, those things changed over time, but I always stuck to the thing, tell you bills on time, make sure, you keep your utilization.
26:56
[SPEAKER_00]: to me this week's five between two and nine percent because you're always able to you know go get money but um so with that it was like okay I knew that I had those things good but I didn't know about the part of you know being able to actually go get capital for my business
27:11
[SPEAKER_00]: So that's where the funding not a pocket is, okay.
27:13
[SPEAKER_00]: So I used to do good good business.
27:14
[SPEAKER_00]: I had a lot of large clients out.
27:17
[SPEAKER_00]: And I never was scared to charge for my, for my, you know, I've been charging people.
27:23
[SPEAKER_00]: You come in and you want to get away, you might pay $600.
27:26
[SPEAKER_00]: When I was, yeah, because my thing is this, people spend money for what they want, right?
27:31
[SPEAKER_00]: So if I'm going to sit here and I know I'm going to give you quality service, I'm going to charge you for it, right?
27:35
[SPEAKER_00]: So even with that, I was making a money, but it was like a hamster will for me.
27:38
[SPEAKER_00]: Because without the funding, it's like, okay, you've making money, but you've got to put it back in your business.
27:42
[SPEAKER_00]: You've got to still survive at home.
27:44
[SPEAKER_00]: So it's like this, I never could really just grow and scale to where I needed to get to, because it's the constant.
27:49
[SPEAKER_00]: And more than that, the constant worry about him, if I don't go to work or if something goes wrong,
27:54
[SPEAKER_00]: I'm in trouble, right?
27:56
[SPEAKER_00]: So that took a lot of time.
27:57
[SPEAKER_00]: So it kept me from being able to enjoy my life and enjoy my money.
28:01
[SPEAKER_00]: You know, I'm saying because I'm constantly in the salon.
28:03
[SPEAKER_00]: So I was always working in my business that I owe my business because I had to fund it.
28:08
[SPEAKER_00]: So yeah, that was the difference.
28:09
[SPEAKER_00]: And that right there, what made me get into this deal because I said, it's so many people like me.
28:14
[SPEAKER_00]: I know it's the world, a lot of y'all out there.
28:16
[SPEAKER_00]: But the young business had a pocket, because I know where I came from for years.
28:20
[SPEAKER_00]: And I think you did ask me that it ruined my credit.
28:23
[SPEAKER_00]: And the hair industry, it did not, right?
28:25
[SPEAKER_00]: It didn't help me to boost it, but once I got into that transportation, baby!
28:30
[SPEAKER_00]: Yeah, them trucks are expensive.
28:32
[SPEAKER_00]: One of my trucks had like a $9,000 repair.
28:36
[SPEAKER_00]: Swiped it on my credit card.
28:38
[SPEAKER_00]: sick my utilization of super high.
28:41
[SPEAKER_05]: On your personal credit card.
28:42
[SPEAKER_00]: Oh, it's no.
28:42
[SPEAKER_00]: Again, it's so funded.
28:43
[SPEAKER_00]: I don't have no business.
28:44
[SPEAKER_00]: I didn't have business credit.
28:46
[SPEAKER_00]: I didn't structure nothing for business.
28:48
[SPEAKER_00]: It's still a funding out of pocket.
28:50
[SPEAKER_00]: So not only did I get a truck, I bought it cash the first one, which was still a bad idea, because the business would have sunk out with us on community, right?
29:00
[SPEAKER_00]: That $9,000 cost me $127 points on my credit.
29:04
[SPEAKER_00]: It's hate my score.
29:08
[SPEAKER_00]: now I'm sitting there sick.
29:09
[SPEAKER_00]: I got to make the money back to be able to pay this, but also my credit suffering.
29:13
[SPEAKER_00]: So what I said to myself is I got to fix this.
29:16
[SPEAKER_00]: I was able to fix it, you know, I'm saying the interim a couple of my other stuff I started getting late because I was so focused on paying back that $9,000 on here.
29:23
[SPEAKER_00]: The score tank, I fixed it, I fixed it on my own, and my sense of myself, you know, that was like, I have a moment from your, like, I could do this for myself, and I know the reason that my subject, I got to help my people, because you know, I know, okay, just be me going through this.
29:41
[SPEAKER_00]: So now I'm like this, yeah, let me fix your credit, everybody, let me fix your credit for free, and that's what
29:47
[SPEAKER_06]: and that's what things to go.
29:49
[SPEAKER_00]: Yeah, oh, yes.
29:50
[SPEAKER_00]: I really realized I had a full understanding of how credit worked in that point.
29:53
[SPEAKER_04]: Sorry to break this amazing episode.
29:55
[SPEAKER_04]: I just have to let you guys know.
29:57
[SPEAKER_04]: The best tool for marketing in 2025 is podcasting.
30:01
[SPEAKER_04]: Listen, it transformed our lives.
30:03
[SPEAKER_04]: Across all platforms, we was able to hate 15 million plus people.
30:07
[SPEAKER_04]: Imagine what it did for our business.
30:09
[SPEAKER_04]: To mention, we also have some notable likes, just through podcasting.
30:13
[SPEAKER_04]: People like you, same boat, the way in weight, Kevin Garnet.
30:16
[SPEAKER_06]: Steven A Smith, Edward D. Intitator, Queen Latifa, but more importantly, having engagement by your dream clients is probably the most important thing that will move the needle for you in your business.
30:28
[SPEAKER_06]: So what we want to teach you is exactly how to go out and start creating an amazing content that will find your dream audience to go ahead and start paying you for your products and your services.
30:38
[SPEAKER_06]: If you want to be able to learn exactly how to build up an audience and
30:43
[SPEAKER_06]: where people start knowing you like you and buying from you for your products and services.
30:48
[SPEAKER_06]: What I want to do is invite you guys to our next free masterclass, where we're showing you exactly how you can start taking your content and being seen online by your dream clients.
30:57
[SPEAKER_06]: And possibly some celebrities as well.
30:59
[SPEAKER_06]: Go ahead and click the link down below, and I'm going to see you guys in that next masterclass.
31:03
[SPEAKER_06]: So now, like, break it down from me because you've went from self-underview business to going out there, ruining your credit.
31:11
[SPEAKER_06]: Incredible, wow.
31:12
[SPEAKER_06]: to now, you know, help your own friends and family members.
31:15
[SPEAKER_06]: Like, what's the step-by-step strategy that you'd probably give to my watching this, this podcast right now to go out and fix their credit because sometimes people may say, hey, listen, I don't want to invite you if it's my credit for anything.
31:26
[SPEAKER_06]: I don't want to pace my S and do it for me.
31:28
[SPEAKER_06]: How about the learn how to do it myself?
31:31
[SPEAKER_00]: The thing, I mean, I actually love that because I'm in power by that statement and I'm in power by people fill it that way because it's the easiest thing for me to say, Oh, hey, my social got my everything, you go do it and you don't learn anything from it.
31:44
[SPEAKER_00]: Yeah, you don't learn anything from it.
31:45
[SPEAKER_00]: So that's what we're going to talk about that because that's my speed right here and so you want me to break in that part or just get set by, okay.
31:53
[SPEAKER_00]: So first first thing is getting your credit profile, right?
31:57
[SPEAKER_00]: And you have to know how to view it.
31:59
[SPEAKER_00]: And then there's ways that you can learn.
32:01
[SPEAKER_00]: If you, you know, everybody, everybody got a different than chatGPTs and the Google's, right?
32:08
[SPEAKER_00]: What they should be looking for is to make sure that their personal information is accurate.
32:13
[SPEAKER_00]: But they only need to have one of each.
32:15
[SPEAKER_00]: One name that matches their driver's license or passport whatever.
32:18
[SPEAKER_00]: One address.
32:20
[SPEAKER_00]: employer, right?
32:22
[SPEAKER_00]: That's the key things we're going to want to look for in accuracy.
32:25
[SPEAKER_00]: The biggest thing is that people don't realize that there's a post of reported accurately across the board, which means all three bureaus are supposed to be saying the same thing.
32:34
[SPEAKER_00]: And if they're not, then that's a violation to your rights.
32:37
[SPEAKER_00]: right so sometimes you look at your credit report you might say all they said it was opened in January of 2021 this one I say February of 2024 like it's a bunch of you know different discrepancies on there you want to look for that they showed me and you want to make sure to do that everything that the report is actually yours because a lot of the data on there is not always correct I've looked online before I'm like hey I didn't like yeah that's not in
33:01
[SPEAKER_00]: Come to find out names a lot of times, especially if you have a similar name.
33:04
[SPEAKER_00]: So those are the things that you want to look for initially.
33:06
[SPEAKER_00]: You want to get your employer credit report.
33:08
[SPEAKER_00]: You want to make sure that you, you know, you do it properly.
33:10
[SPEAKER_00]: And if you don't, I told you, you can always get a system similar to how to do it.
33:13
[SPEAKER_00]: You want to make sure that there's any inaccuracies.
33:15
[SPEAKER_00]: And the next thing you want to do, you want to sit down.
33:17
[SPEAKER_00]: You can put it in chatGPT and say, hey, chat, copy it, put it in there and say, hey, listen.
33:23
[SPEAKER_00]: These are the discrepancies I want you to set out some laws from state that says, I'm supposed to be protected by this law saying that they are a government to be able to you know, and accuracy is to make sure everything is.
33:35
[SPEAKER_00]: Chad GPC will be your friend.
33:38
[SPEAKER_00]: And bigger than that, I don't know if you I want notebook Ellen, but notebook Ellen?
33:42
[SPEAKER_05]: What's that?
33:43
[SPEAKER_00]: Oh man, notebook Ellen goes a little further with a research and they're more accurate.
33:47
[SPEAKER_00]: They're like an AI tool.
33:49
[SPEAKER_00]: It's 93% accurate, where Shatt is more like 83% to 86% accurate.
33:54
[SPEAKER_00]: So it's never just gonna go crazy.
33:56
[SPEAKER_00]: So you go on there notebook Ellen.
33:59
[SPEAKER_00]: same thing putting your information and then you can also use other resources.
34:03
[SPEAKER_00]: Now I can use other resources like say I go on YouTube right and I follow Herman and somebody right and they're they're all good what like the funding and the credit I could take the snippet of that put it in there and go against my credit report and see if it's in line with what he's talking about because I know Herman is valued and he's right about what he's talking about right?
34:22
[SPEAKER_00]: So look
34:27
[SPEAKER_00]: So make sure because you know what chat, it's just giving you was available on any whatever website or whatever because that's where they get all the information from the internet.
34:35
[SPEAKER_00]: Versus notebook, they're not that way.
34:37
[SPEAKER_06]: I've never, I don't know.
34:38
[SPEAKER_00]: So it's like, oh book, it's open AI and clothes, right?
34:42
[SPEAKER_00]: Yeah.
34:42
[SPEAKER_00]: Nope, it's fun changing life.
34:44
[SPEAKER_00]: And then the other thing I love about notebook LM is you can take your actual notes and then put everything into there digitally.
34:52
[SPEAKER_00]: and give you a source.
34:54
[SPEAKER_00]: And you know, you guys would just podcast?
34:55
[SPEAKER_00]: Yes.
34:55
[SPEAKER_00]: It'll sit there, you could say, hey, do it podcast out.
34:57
[SPEAKER_00]: It'll tell you.
34:58
[SPEAKER_00]: It'll sit there and tell you back and forth you could talk to it like a podcast.
35:01
[SPEAKER_00]: Or sometimes you will hear a podcast one on it.
35:03
[SPEAKER_00]: You can intervene.
35:03
[SPEAKER_00]: It's a hey, I have a question.
35:05
[SPEAKER_00]: And it will give you information based off in which your question is, is super dope, yeah.
35:10
[SPEAKER_06]: So this is a free AI tool that people can use and go out there and repair their credit.
35:14
[SPEAKER_00]: Absolutely.
35:15
[SPEAKER_00]: And I find it a little more reliable than chat GPT, and other things with notebook LM is more to you Like I said, it's a closed AI, so it's not this everybody getting the same information because you know I mean even now, I'm sure to be able to use to say oh, everybody use this you know this you know, this prompt This is specific to you.
35:32
[SPEAKER_06]: Right.
35:33
[SPEAKER_06]: Yeah, so is it safe to say you know With this kind of information you can go out there repair credit not have to pay for any kind of
35:41
[SPEAKER_06]: Cut-away care specials or services and still be able to get the results that you would get as if you paid a profession.
35:49
[SPEAKER_00]: I want to say the exact same because I mean we do have different knowledge of the laws and that that you're not going to have going this is good enough.
35:57
[SPEAKER_00]: It's good enough to get, you know, at least to even verify if it's yours or not.
36:04
[SPEAKER_00]: Because they're definitely, you don't know what prompts to put in, you know what I'm saying?
36:08
[SPEAKER_00]: Like you don't know what laws, you don't know what to ask it directly, but you can get a good enough view and like I say, get it words verified or not verified and makes me want to act to them.
36:17
[SPEAKER_00]: How did that with their source of verification?
36:20
[SPEAKER_00]: So it's good enough to start the paper trail So definitely definitely definitely good.
36:24
[SPEAKER_05]: I've never heard about that.
36:25
[SPEAKER_05]: That's really good Yeah, that's a lot of game.
36:28
[SPEAKER_04]: That's a lot of game.
36:29
[SPEAKER_06]: It's a lot of credit.
36:30
[SPEAKER_06]: But I never did this one.
36:32
[SPEAKER_04]: Yeah Like it's not definitely so after they they you know, let's say they they go out the execute on you know
36:40
[SPEAKER_04]: using AI to fix their credit using Notebook LM.
36:43
[SPEAKER_04]: What's the next step for them?
36:44
[SPEAKER_04]: Like do they start creating letters sending it out to the bureaus?
36:49
[SPEAKER_00]: Yeah, once they put it in there, yeah, you ask them to, you know, you'll make a prompt to ask them to write a letter for you.
36:54
[SPEAKER_00]: So you definitely want to, but here's the thing you don't want to just send them to the regular three bureaus that everybody sends them to you.
36:59
[SPEAKER_00]: Yeah, again we got the OCC, you have the BBB, you know, it's so many other ones that you are sending them to, you know you can you you can send them to um
37:08
[SPEAKER_00]: So, yeah, BBV, this is what I'm the OCC.
37:11
[SPEAKER_00]: There's another one I'm missing.
37:13
[SPEAKER_00]: I'm gonna come back with it.
37:14
[SPEAKER_00]: But yeah, I mean, of course, you'll listen to them and be the three main ones as well in your second areas, but it's definitely you want to listen them to.
37:21
[SPEAKER_00]: And my biggest thing I tell people to, I go directly to the creditor.
37:25
[SPEAKER_00]: That's my, that's my story, my story.
37:27
[SPEAKER_06]: I'm a person that actually put that stuff.
37:29
[SPEAKER_00]: Yeah, because what happens is,
37:31
[SPEAKER_00]: The creditors tell the three bureaus, right?
37:35
[SPEAKER_00]: Who, and then, if you don't pay, in turn, tells the debt collector, I want to go straight to the source, then one to the middle man.
37:41
[SPEAKER_00]: So I find a lot of success that way.
37:43
[SPEAKER_00]: Like, I actually funny thing, for any story, again, always self, right?
37:47
[SPEAKER_00]: So I go to Jim called Crunch Fitness.
37:50
[SPEAKER_00]: They mixed my program with somebody else's, and they started calling them, I'm like, why are you calling me?
37:58
[SPEAKER_00]: I said, yeah, I got a wrong information, wrong birthday, everything.
38:01
[SPEAKER_00]: You notice people put this on my credit, swear, December, December, gone, they put on my credit, I call on them like, oh, what's up?
38:09
[SPEAKER_00]: So I went to the gym and they're like, oh, we can't help you.
38:12
[SPEAKER_00]: I called the direct credit like, oh, listen, let me tell you something.
38:15
[SPEAKER_00]: Yeah, but I get this off my credit report.
38:17
[SPEAKER_00]: Oh, it's out of our hands now.
38:19
[SPEAKER_00]: And I think people don't realize, once they sell that, that somebody else, you no longer responsible for it.
38:24
[SPEAKER_00]: So I know that.
38:26
[SPEAKER_00]: Oh, the credit reporter is saying, listen, yeah, I got 15 days to get this off from my
38:30
[SPEAKER_00]: And guess what?
38:32
[SPEAKER_00]: 15 days has gone.
38:33
[SPEAKER_00]: I sent them a letter.
38:34
[SPEAKER_00]: I sent one up, see CFPB.
38:36
[SPEAKER_00]: If they don't come and comply, he's going to show it over CFPB.
38:40
[SPEAKER_00]: Because they got show back.
38:41
[SPEAKER_00]: Because they're going to do it.
38:42
[SPEAKER_00]: They're going to hit them up and say, hey, listen, we need what you need.
38:44
[SPEAKER_00]: You know, this is the complaint.
38:45
[SPEAKER_00]: Again, shot.
38:46
[SPEAKER_00]: Don't know about it one.
38:47
[SPEAKER_00]: That's like review is writing your business.
38:49
[SPEAKER_00]: Nobody want a bad review.
38:50
[SPEAKER_00]: Right.
38:50
[SPEAKER_00]: So people don't want to play with CFPB.
38:54
[SPEAKER_04]: So you said when they sell, so when they sell like your debt to like collections or other people, you're not, it shouldn't be on your credit report?
39:03
[SPEAKER_00]: No, it's really against a lot, that point.
39:06
[SPEAKER_00]: Charger jobs, all that stuff, then that's supposed to be on your report.
39:09
[SPEAKER_00]: But we don't know that after we did, right?
39:12
[SPEAKER_00]: And we don't know that they get paid for a report.
39:14
[SPEAKER_00]: And that's why they don't care about it being accurate.
39:17
[SPEAKER_00]: They don't care about it all the time.
39:18
[SPEAKER_00]: And then when they evaluate everyone in your room, in your law, because they know we don't know.
39:22
[SPEAKER_00]: Yeah.
39:24
[SPEAKER_04]: Yeah.
39:24
[SPEAKER_04]: That's crazy.
39:25
[SPEAKER_04]: Because you know how many, how many people probably I don't watch in this right now, they have that credit for years.
39:30
[SPEAKER_04]: Yeah, for years.
39:31
[SPEAKER_04]: It's interesting to stays on a report.
39:33
[SPEAKER_00]: But that's not a report, look, yeah, go to my, actually go to my, my Instagram and you got a free, free copy of your report.
39:40
[SPEAKER_00]: My Instagram is the finance angel.
39:43
[SPEAKER_00]: Go there and look at go to my link in my bio, click that.
39:45
[SPEAKER_00]: You can get your free report.
39:46
[SPEAKER_00]: It's a free for seven days.
39:48
[SPEAKER_00]: Check it.
39:49
[SPEAKER_00]: That's the very first important thing you need to do is check it.
39:52
[SPEAKER_06]: Wow.
39:53
[SPEAKER_06]: Okay.
39:53
[SPEAKER_06]: Okay.
39:54
[SPEAKER_06]: I mean, so now we're cooking with fire angel.
39:56
[SPEAKER_00]: I'm not going down.
39:56
[SPEAKER_06]: I really, really cooking right now.
39:58
[SPEAKER_06]: So.
39:59
[SPEAKER_06]: Let's take it into the funding aspect, right?
40:02
[SPEAKER_06]: So a lot of people may drive a ton of they wouldn't have taken their credit for a few months and it's either to buy a house, buy a car, get an apartment, get a new job, or even fund their business, right?
40:14
[SPEAKER_06]: When they're going out, they're getting funded for their business, like, what's your tips?
40:19
[SPEAKER_06]: What's your advice like, what's your strategy to go out there and get funded now?
40:23
[SPEAKER_06]: Because now they got the credit fix, they got the stuff removed out to the profile, like, how can we get some funding?
40:30
[SPEAKER_00]: I will say two things.
40:31
[SPEAKER_00]: The first thing is to create relationships with your, everybody say things, I love credit unions.
40:37
[SPEAKER_00]: Create a relationship with them.
40:38
[SPEAKER_00]: Again, like I told you guys, the financial fitness association.
40:41
[SPEAKER_00]: Go on there is like $8 a year.
40:43
[SPEAKER_00]: Go on there and create a relationship with them.
40:45
[SPEAKER_00]: They will also teach you financial literacy in the interim.
40:48
[SPEAKER_00]: But start going out to these credit unions and making steady deposits.
40:52
[SPEAKER_00]: We all don't have a lot of money.
40:53
[SPEAKER_00]: Even if you make a deposit of $50 a week, do it steadily, right?
40:58
[SPEAKER_00]: Play the long game when you don't feel like oh my dude, that's the other part.
41:01
[SPEAKER_00]: Take your time.
41:02
[SPEAKER_00]: Everybody want to do it.
41:03
[SPEAKER_00]: Sixty days, forty days, ninety days, no.
41:05
[SPEAKER_00]: Take your time.
41:06
[SPEAKER_00]: Give yourself six months.
41:07
[SPEAKER_00]: Be yourself eight months.
41:08
[SPEAKER_00]: Because you guess what?
41:09
[SPEAKER_00]: You didn't get yourself into this.
41:10
[SPEAKER_00]: It's an issue overnight.
41:11
[SPEAKER_00]: So give yourself time to build with these relationships, right?
41:14
[SPEAKER_00]: great relationships with the the banks and the credit unions preferably first.
41:19
[SPEAKER_00]: After that you want to make sure that your built your your credit profile the way and which they want to see it, right?
41:25
[SPEAKER_00]: So I tell people to educate themselves because a lot of some of you want to know what what um data points or what they're looking at when they decide to give you the funding.
41:33
[SPEAKER_00]: So you want to make sure that you what we just made sure that there's no derogatory and there's no late payments, right?
41:37
[SPEAKER_00]: But we want to make sure that you have
41:41
[SPEAKER_00]: We want to make sure that credit history is there.
41:44
[SPEAKER_00]: We want to make sure it's four or five years at minimum.
41:48
[SPEAKER_00]: We want to make sure that you keep all your cards if you do have current cards.
41:51
[SPEAKER_00]: Your utilization, again, I told you that sweet pit percentages between two and nine.
41:56
[SPEAKER_00]: Everybody says 30%.
41:57
[SPEAKER_00]: But if you go under with 30% utilization, you look like you're dependent on these cards and you're not.
42:02
[SPEAKER_00]: doing a good job at paying back, all right.
42:05
[SPEAKER_00]: So you want to keep it like to meet under 10%.
42:07
[SPEAKER_00]: All right.
42:09
[SPEAKER_00]: So those are the main things to make sure that you're structured properly.
42:12
[SPEAKER_00]: If you're going on a business way, you're going to make sure that you have.
42:15
[SPEAKER_00]: Not your mom and dad's house.
42:17
[SPEAKER_00]: You know, so not your house.
42:18
[SPEAKER_00]: You want to make sure that you have a business address listed.
42:21
[SPEAKER_02]: Okay.
42:22
[SPEAKER_00]: That's a Googleable address listed.
42:24
[SPEAKER_00]: You want to make sure that you have a business phone number, not just sell phone.
42:27
[SPEAKER_00]: Yeah.
42:28
[SPEAKER_00]: You want to make sure that you have the good business email.
42:32
[SPEAKER_00]: Not sure, yeah, yeah, yeah, who are your Gmail.
42:35
[SPEAKER_00]: You want to say like me, info at thefinanceangel.com, right?
42:41
[SPEAKER_00]: You want to make sure you have those things in order straight up beforehand.
42:44
[SPEAKER_00]: You want to make sure you have the EIM present.
42:46
[SPEAKER_00]: You want to make sure you have your business bank account already established.
42:50
[SPEAKER_00]: Those are the things that you want to make sure you haven't.
42:52
[SPEAKER_00]: In the same time on which after you clean your credit, that those are going on while you're building.
42:56
[SPEAKER_00]: Yeah.
42:57
[SPEAKER_00]: These are relationships.
42:58
[SPEAKER_06]: You know, it's so crazy that you mentioned this because a lot of times it is, you know, some people, they say, they may be self-employed, right?
43:05
[SPEAKER_06]: But the problem is that everything is all going to their personal income, you know what I mean?
43:11
[SPEAKER_06]: So now, it's like,
43:13
[SPEAKER_06]: When they actually forward that should certainly.
43:15
[SPEAKER_06]: Where can you give it?
43:16
[SPEAKER_06]: Where when they actually forward for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a, for a,
43:26
[SPEAKER_06]: By the way, that coming from, you know, and the crazy thing about it, too, is a lot of entrepreneurs who are making money, but you know what I mean, like, they can't prove.
43:35
[SPEAKER_06]: And I've seen time the time again where, for example, people that I do here, like, they cash at me, but they never deposit in their account.
43:42
[SPEAKER_06]: You have me, they never deposit in a business account.
43:45
[SPEAKER_06]: That's where these are why some of them are stuck like,
43:48
[SPEAKER_00]: Good people listen listen.
43:56
[SPEAKER_00]: I've been there done that as again.
43:58
[SPEAKER_00]: I was self-taught these things Like I said I've been in the industry for a year as I'm my own and it I didn't come from a family who knew these things I didn't come from a family of entrepreneurs, so I get it the biggest thing you want to do is make sure Yeah, you making your money, but as I said before you want to make sure you have your business bank accounts
44:11
[SPEAKER_00]: And you want to have your personal and your business completely separate.
44:14
[SPEAKER_00]: You do not want to call me, mingle your funds.
44:16
[SPEAKER_00]: You can't allow me to pay you for business and you go and put in your personal account.
44:20
[SPEAKER_00]: Or you can't pay your house bills, audio business, it does not work that way.
44:24
[SPEAKER_00]: Okay, so you want to make sure you have those two separate your account completely different.
44:28
[SPEAKER_00]: That's why you have your Social Security number.
44:30
[SPEAKER_00]: That's why you have the EI in because you're two separate entities, right?
44:33
[SPEAKER_00]: That's the first thing.
44:34
[SPEAKER_00]: You want to make sure that that's going to give you the statements and that that you need.
44:39
[SPEAKER_00]: You want to give you a trail, a paper trail, right?
44:42
[SPEAKER_00]: You want to also make sure that you are falling in taxes people.
44:46
[SPEAKER_00]: And the thing is what I have culture, especially, will do so good throughout the year and bankrupt our business at the end.
44:52
[SPEAKER_00]: Stop all these writers, you know, you don't need a write-off for everything.
44:55
[SPEAKER_00]: Duction for this, oh, I lost money and do that to yourself here business because you'll never be able to buy anything, right?
45:02
[SPEAKER_00]: And also a lot of the time, we come into this business and I talk to people about this a lot.
45:05
[SPEAKER_00]: We as people, we don't know.
45:07
[SPEAKER_00]: We think, oh, I'm out to make this business and that's all we know, I'm out to make this LLC.
45:11
[SPEAKER_00]: We'll never sit back and think about it.
45:13
[SPEAKER_00]: my exit plan.
45:15
[SPEAKER_00]: We don't think about, oh, I may want to sell this business one day.
45:18
[SPEAKER_00]: So we don't think about the complete structure.
45:19
[SPEAKER_00]: All we know is door L.O.C.
45:21
[SPEAKER_00]: We don't think about it going to be a C-Corp as corp, but you know what elections are in there.
45:24
[SPEAKER_00]: We don't notice that and we don't think about these things.
45:27
[SPEAKER_00]: And those are the things that I teach.
45:29
[SPEAKER_00]: Because to me it's so important for us to know because we're always the last one to notice that.
45:32
[SPEAKER_00]: All right.
45:33
[SPEAKER_00]: right so again we want to make sure we have a paper show we want to make sure that we're making regular deposits of the bank so they know yeah we got money but we also got income to be able to prove it right we want to go buy a house we want to go be able to buy a car we can't we don't have those things we can't if we continue to say all I didn't make money this year my business it's a difference between a paper loss and an actual profit loss come on it's cool paper loss alright but your actual profit loss no you're killing yourself that
46:00
[SPEAKER_05]: That's true, that's true.
46:02
[SPEAKER_00]: But we're conditioned to do that.
46:05
[SPEAKER_05]: That was definitely the stuff.
46:06
[SPEAKER_00]: Right, you're my mom.
46:07
[SPEAKER_00]: Because it's gonna save us somebody, right?
46:09
[SPEAKER_00]: No, no, no, no, no.
46:11
[SPEAKER_00]: We don't have to, we have to start looking at the irises like business partners instead of, you know.
46:16
[SPEAKER_03]: Can I give you a quick tip on how to build wealth?
46:18
[SPEAKER_03]: I mean, take everything you think you know about investing and throw it off the window.
46:22
[SPEAKER_03]: The one skill that's holding you back isn't what you think it is.
46:25
[SPEAKER_03]: You've got the draw, you have the vision, you may even have the capital, but for some strange reasons, you are still not seeing the returns that you are looking for.
46:33
[SPEAKER_03]: Sounds familiar, right?
46:34
[SPEAKER_03]: I know.
46:35
[SPEAKER_03]: I understand exactly how you feel.
46:37
[SPEAKER_03]: Because for me, it was the exact same thing.
46:39
[SPEAKER_03]: For years, I spent time buying single family houses, doing Airbnb arbitrage, renting cars on Toro, doing seven different businesses, looking for seven different streams of income to become a millionaire.
46:52
[SPEAKER_03]: And it was the exact opposite of what I needed to do to build true wealth.
46:56
[SPEAKER_03]: The truth is, it was my ability to find already existing cash flowing businesses that are generating money immediately.
47:04
[SPEAKER_03]: In fact, 90% of business owners fell within the first 10 years.
47:08
[SPEAKER_03]: So I was steady taking a chance of being part of that 10% to build wealth.
47:12
[SPEAKER_03]: When 10,000 baby boomers are retiring every single day who ran businesses for 10, 20, 30 years and are looking to retire and sell those businesses directly to people like you to collect that cash flow.
47:25
[SPEAKER_03]: immediately.
47:26
[SPEAKER_03]: So now you can buy those businesses for pennies on the dollar, which is why I put together my completely free workshop while I'm going to show you my four-step process to get access to a quarter million dollars in funding in 90 days to invest to buy already cash for on business.
47:41
[SPEAKER_03]: This is exactly what Cookie Robinson did by purchasing her very first cash on business, a package ship business that has bring in a money day one and she did it creatively with little
47:53
[SPEAKER_03]: This is exactly where Naya, the legacy bill that has done.
47:56
[SPEAKER_03]: She purchased a dry-cleaned business utilizing creative finance.
48:00
[SPEAKER_03]: And I want to teach you these exact strategies that you can implement and start making money immediately.
48:05
[SPEAKER_03]: This is the fastest way to build wealth in 2025.
48:08
[SPEAKER_03]: So I'm having a completely free training.
48:10
[SPEAKER_03]: Click this link below.
48:11
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48:13
[SPEAKER_03]: It's time for you to build a legacy for you and your friends.
48:15
[SPEAKER_06]: Even without me, I was like, you know, like, a lot of times it is.
48:19
[SPEAKER_06]: people are more concerned, like, of taxes, you know, but especially as a business owner, you have a lot of opportunities that are concerned to tax.
48:28
[SPEAKER_06]: And there's a lot of credit, so there's a lot of deductions you can take down.
48:32
[SPEAKER_06]: take advantage of things that make sure so, you know, it's something not really as a business owner is, like, like, almost think about yourself like a woman, like, what even in McDonald's, like, they have everything on the border, everything is in structure.
48:47
[SPEAKER_06]: So, like, we have to move like that too.
48:49
[SPEAKER_00]: Absolutely, I mean, that's so, so true.
48:52
[SPEAKER_00]: And, like you said, we only know, like, one thing go by at the car or a truck, that there's so many other ways to do it, through heart.
48:59
[SPEAKER_00]: through donations, through, you know, through your truck, there's so many different ways to be able to get to where you need to get to in terms of the tax, you know, bracket, the tax payment that you want to get to.
49:09
[SPEAKER_00]: Instead of bankrupting your business.
49:11
[SPEAKER_00]: Yeah.
49:11
[SPEAKER_00]: So many different ways to get here.
49:13
[SPEAKER_06]: When we started, you mentioned something very interesting, you know, and they kind of brought it back to, you know, your old story with your son, you said your dad or your wife?
49:21
[SPEAKER_00]: Oh, yeah, my dad.
49:22
[SPEAKER_06]: Your dad.
49:22
[SPEAKER_06]: So, you know, both of those loved ones passed away
49:28
[SPEAKER_06]: You said your son had a life insurance policy, but your dad, unfortunately, did it.
49:33
[SPEAKER_06]: I definitely want to jump into the life insurance aspect of your business.
49:38
[SPEAKER_06]: Life insurance is definitely important, you know?
49:41
[SPEAKER_06]: And I interviewed him in a little while back, and she said, you know, life insurance is basically or not, but it actually leads to a family, you know?
49:49
[SPEAKER_06]: Because I can even, you know, for sure, we're going to die.
49:53
[SPEAKER_01]: I'm sorry.
49:53
[SPEAKER_06]: It's not a question, it's guaranteed.
49:55
[SPEAKER_06]: Yeah, we're going to check out, we just don't know what it is.
50:00
[SPEAKER_06]: Tell me a little bit about, you know, life insurance, some of the benefits why us people needed, you know, some of the myths and the stipulations that people think about my insurance, but let's let's let's let's jump into that.
50:12
[SPEAKER_00]: Okay.
50:13
[SPEAKER_00]: I know he's talking to the first of all.
50:14
[SPEAKER_00]: Shout out, Brianna, Kayla, that's my dog.
50:17
[SPEAKER_00]: She's my partner.
50:18
[SPEAKER_00]: It's like a journey.
50:19
[SPEAKER_00]: Yeah.
50:19
[SPEAKER_00]: Wow.
50:19
[SPEAKER_00]: It's nice.
50:20
[SPEAKER_00]: Actually, the on-to.
50:21
[SPEAKER_00]: Like, yeah, we all guess.
50:23
[SPEAKER_00]: Shout out to Brianna.
50:24
[SPEAKER_05]: That's where I got her from.
50:26
[SPEAKER_00]: They see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me, I see me
50:52
[SPEAKER_00]: So, go back to again, I had to learn about it because my son was under insurer, my dad was uninsured, right?
50:58
[SPEAKER_00]: I got a 30-year-old.
50:59
[SPEAKER_06]: I was under insurer, like, for the people I don't know, what does that mean?
51:02
[SPEAKER_00]: Under insurer means you don't have enough insurance to be able to sustain either your life while your life in an accident tragedy, you know?
51:11
[SPEAKER_00]: Terminal illnesses or those things, or in an event of death, you don't have enough to be buried.
51:16
[SPEAKER_00]: right or enough to be able to pay for your assets like a lot of times people die and their houses you know get taken or whatever they didn't leave yes they didn't leave enough to be able to cover that so what happens now is I'll talk to a lot of clients and sometimes you know us as a people sometimes it could be like oh what happened that yeah but what happens is your love ones get to cry twice now because you're gone but now they can't afford to live in the house or the life's out of here because they live in that for them right
51:44
[SPEAKER_00]: So you had to under-insure a thing is pretty much the thing that we a lot of time go it because we don't know exactly how much we need.
51:53
[SPEAKER_00]: We assume, oh, just get me to 100,000 and I'm good.
51:57
[SPEAKER_06]: So question, so like, how does a person know how much life insurance they need?
52:02
[SPEAKER_06]: A person may be like, oh, I got life insurance to my job, don't even worry about it.
52:05
[SPEAKER_06]: It's a hundred thousand or it's twenty-fucked out or it's fifty thousand.
52:09
[SPEAKER_06]: Like, how do you actually calculate how much life insurance is actually needed to, like, comfortably, you know, die?
52:18
[SPEAKER_00]: So what you would need to do is, that's how people understand, just speak with an agent, right?
52:23
[SPEAKER_00]: Somebody who's reputable, somebody who knows what you're doing.
52:26
[SPEAKER_00]: We do this thing called a dime at that, right?
52:28
[SPEAKER_00]: And what it is, dime is debt.
52:30
[SPEAKER_00]: It's debt income.
52:34
[SPEAKER_00]: mortgage education, right?
52:36
[SPEAKER_00]: So what you do, you base all those things of, hey, do I have kids who might need to grow a school?
52:40
[SPEAKER_00]: What is my debt?
52:41
[SPEAKER_00]: What is my mortgage?
52:42
[SPEAKER_00]: What is, you know, it's also like a lot of different things that you look at and they come up with a number of that way, right?
52:48
[SPEAKER_00]: There's a lot of something we don't think we need as much as we need.
52:51
[SPEAKER_00]: And you really do, you know?
52:53
[SPEAKER_00]: So it gives you a scale and to be able to tell you exactly how much you need, right?
52:58
[SPEAKER_00]: So that would be the first thing I would say to go to somebody and have a consultation,
53:03
[SPEAKER_00]: I quote for you.
53:04
[SPEAKER_06]: And then they will basically go over like some of the things that you owe assets, setting your kids up for your children.
53:11
[SPEAKER_00]: Absolutely.
53:12
[SPEAKER_00]: So it's all broke down, itemized.
53:14
[SPEAKER_06]: How about a health test?
53:15
[SPEAKER_06]: Do you guys like, is it usually a thing where, you know, when you're getting a life insurance policy, do they have to go out and do some kind of health tests?
53:23
[SPEAKER_06]: I go to your local doctor.
53:24
[SPEAKER_00]: Not what all, not what all policies depends on what type of policy you're getting in the amount.
53:29
[SPEAKER_00]: But sometimes, now there's so many, you know, it's no tests needed, so, you know, it just depends again, like I said, what you're getting it for.
53:37
[SPEAKER_00]: But, back to what we were saying to about, like, you know, the uninsured thing.
53:41
[SPEAKER_00]: So, my dad, he was previously insured, but he waited till he was so much older as I have to help elements and stuff that he got like insurance, and that's why I tell people what a time.
53:50
[SPEAKER_00]: It's better to get your coverage while you're young and healthy.
53:52
[SPEAKER_00]: And that way, that rate will go with you because when you get older, it's way more expensive.
53:59
[SPEAKER_00]: I'm healthy, I'll be 45, I'll be a 45 year-old healthy woman, right?
54:04
[SPEAKER_00]: But you might be a 25 year-old man, what's the little more expensive if a man?
54:07
[SPEAKER_00]: But, verse to say, if it's $200 for me, it might be $50 for you, and I don't really quote, but you don't say, it's just a difference.
54:15
[SPEAKER_00]: You're able to carry that which you locked in in that price, and it is.
54:18
[SPEAKER_00]: versus getting it later on in life now it is more expensive to you So that's what he did and I'm essentially it was his premium that he had like the payment was high and the coverage was low So for me it just didn't make sense that his he paying like hundreds of dollars every month for a little bit of coverage That's all that you know just cancel it you know anything happened
54:40
[SPEAKER_00]: pay for what you don't know, but of course if he's on a fixed income, I don't want that to be a big burden on him.
54:45
[SPEAKER_00]: So when he did pass away, unfortunately, I got a $38 insurance check.
54:51
[SPEAKER_06]: $38?
54:52
[SPEAKER_06]: $38?
54:52
[SPEAKER_05]: They're like $38.
54:54
[SPEAKER_05]: $38?
54:55
[SPEAKER_00]: I have it.
54:56
[SPEAKER_00]: Yeah.
54:57
[SPEAKER_00]: I still have it.
55:00
[SPEAKER_00]: I should have a picture in my phone, yeah, from my life insurance company.
55:06
[SPEAKER_00]: Why did you give you 38 dollars?
55:08
[SPEAKER_00]: That's what was left.
55:09
[SPEAKER_00]: Okay, so a lot of our parents do.
55:12
[SPEAKER_00]: So like whatever you pay instead of premium, right?
55:14
[SPEAKER_00]: Say for instance, like once you cancel it, it's like, oh, okay, they'll just keep taking like the one-stop-pan rather.
55:20
[SPEAKER_00]: They'll just take whatever premium he was paying off of, however much you paid into it already.
55:24
[SPEAKER_00]: And that's how much was left after that, yeah.
55:28
[SPEAKER_00]: Now I've got a chance to pay for another funeral, on a pocket.
55:32
[SPEAKER_04]: Wow.
55:34
[SPEAKER_04]: Yeah.
55:34
[SPEAKER_04]: Yeah.
55:34
[SPEAKER_04]: And you had mentioned, wait, first, I didn't want to actually took as you said, for men, it's a little bit more expensive.
55:40
[SPEAKER_04]: Why is that?
55:41
[SPEAKER_05]: Because they feel you guys are high-risk.
55:43
[SPEAKER_05]: Drive crazy, alcohol.
55:45
[SPEAKER_00]: Yeah, let's like you to go to the doctor.
55:48
[SPEAKER_00]: Yeah.
55:48
[SPEAKER_00]: Exactly.
55:48
[SPEAKER_00]: make sense and you did mention you said you had a personal injury and life insurance helped you how did it help you with that injury yeah we talk about living benefits again right so I had a really bad accident yeah well kind of car bike incident and I was in the hospital for a month to have five surgeries on my leg I didn't walk before and a month both of my legs are broken and they're not time
56:18
[SPEAKER_00]: Because life ensures pays you so you can never stay alive while you're alive.
56:23
[SPEAKER_00]: I couldn't do a couple of the things I couldn't get myself dressed.
56:25
[SPEAKER_00]: I couldn't cook for myself.
56:26
[SPEAKER_00]: I couldn't, you know, manage myself so they paid me.
56:30
[SPEAKER_00]: Yeah, the good part about it was I didn't have to worry about, you know, finance is while recovering.
56:34
[SPEAKER_00]: And that's the worst thing like, and people don't realize that's the best way to go bankrupt too.
56:38
[SPEAKER_01]: True.
56:39
[SPEAKER_00]: To get sick, get sick, right?
56:41
[SPEAKER_00]: And see, if you don't have the right coverage, and also, again, a bunch of business out of your own pocket.
56:47
[SPEAKER_00]: So that it's too quick as ways to go bankrupt, right?
56:50
[SPEAKER_05]: That's true.
56:52
[SPEAKER_05]: That's true, that's true.
56:53
[SPEAKER_05]: We're not even going to mention it, actually, too.
56:54
[SPEAKER_00]: Oh yeah, her story is phenomenal.
56:57
[SPEAKER_00]: Yeah.
56:57
[SPEAKER_04]: Yeah, that is crazy.
56:58
[SPEAKER_04]: A lot of times, a lot of people say life insurance would just death benefits, like,
57:03
[SPEAKER_04]: my family's going to get a big check when I'm going, but I'm not going to be here.
57:06
[SPEAKER_00]: That's very reassuring.
57:08
[SPEAKER_00]: Very reassuring to see.
57:09
[SPEAKER_04]: So how do people structure their policy to make sure they get some living benefits as well?
57:13
[SPEAKER_00]: So there's a thing called living benefits, right?
57:15
[SPEAKER_00]: So it depends on where you are with stage and life you are, and right?
57:18
[SPEAKER_00]: So lots of them were your young and healthy.
57:19
[SPEAKER_00]: Some people get term policies, but to me, term is more or less to me, like when you're buying a house or something like that.
57:26
[SPEAKER_00]: I'd tell people to get, you know, get your regular life insurance policy that you can overfund money into it.
57:32
[SPEAKER_06]: What's that poem?
57:35
[SPEAKER_00]: So it's a whole life policy.
57:36
[SPEAKER_00]: But I like IUL policies, right?
57:38
[SPEAKER_00]: So it's an index universal life policy.
57:40
[SPEAKER_00]: And you're able to fund it in overfunded, which means you can save your money inside your policy.
57:45
[SPEAKER_00]: And the thing about it, nobody can touch it.
57:47
[SPEAKER_00]: Like, it don't matter if you wage it's getting garnish, you go through divorce, or any of those stuff, they can't touch it policy.
57:52
[SPEAKER_00]: How about you, can you touch your own policy?
57:54
[SPEAKER_00]: Absolutely.
57:54
[SPEAKER_00]: You become your own bank.
57:55
[SPEAKER_00]: I think you probably heard that before.
57:57
[SPEAKER_00]: You can actually borrow against it, tax-free.
57:59
[SPEAKER_00]: So, like, say for instance,
58:00
[SPEAKER_00]: The next big, I was talking about the venture with transportation, my last truck actually used the money for my life insurance to purchase it.
58:08
[SPEAKER_00]: And the thing about it is I like the fact that you can take it right and borrow it and it's still compounding interest as if you never took it.
58:16
[SPEAKER_00]: So you can make a decision, I feel like I'm gonna pay back however much money to pay it back to myself.
58:20
[SPEAKER_05]: Wait, why are you mentioning that?
58:22
[SPEAKER_00]: I mean, it's won't build in.
58:24
[SPEAKER_05]: Yeah, why don't you mention that?
58:25
[SPEAKER_00]: So I actually teach my mentees this.
58:28
[SPEAKER_00]: It's won't build in absolutely.
58:29
[SPEAKER_00]: Wow, please, so how much was the truck name?
58:32
[SPEAKER_00]: So the truck was 78,000.
58:32
[SPEAKER_00]: I didn't put the full 78,000.
58:35
[SPEAKER_00]: I didn't put it.
58:38
[SPEAKER_00]: Yeah, I put a nice amount to put down it.
58:42
[SPEAKER_00]: tax-free and is still accumulating interest over there to actually invest in an income asset.
58:49
[SPEAKER_06]: That's cool.
58:50
[SPEAKER_06]: I'm not going for it, that's really, really cool, because sometimes it's like funding is not only just going to look great, it's not only, you know, it's not only just saying, hey, let me go get a credit card or I'm on a credit level, but sometimes if you can pull funds from, you know, you're going to have places that you've got money laid up with.
59:11
[SPEAKER_04]: Yeah, or could you have, um,
59:14
[SPEAKER_04]: could you have like barred against it the same way too?
59:17
[SPEAKER_00]: Yeah, that's what that's what it's considered barred against your policy.
59:19
[SPEAKER_04]: So then money is still in there.
59:21
[SPEAKER_04]: Yeah, that's the case.
59:23
[SPEAKER_00]: So in a case like that, if I don't pay it back, that's when it comes off the back and my death benefits.
59:29
[SPEAKER_00]: Right?
59:30
[UNKNOWN]: But.
59:31
[SPEAKER_04]: So, no credit check, nothing.
59:34
[SPEAKER_00]: No, it's your money.
59:35
[SPEAKER_00]: So, it's good.
59:36
[SPEAKER_00]: So, it's good.
59:37
[SPEAKER_00]: So, it's good.
59:37
[SPEAKER_04]: So, it's good.
59:39
[SPEAKER_06]: So, it's good.
59:40
[SPEAKER_06]: So, it's good.
59:40
[SPEAKER_06]: So, it's good.
59:41
[SPEAKER_06]: So, it's good.
59:42
[SPEAKER_06]: So, it's good.
59:43
[SPEAKER_06]: So, it's good.
59:44
[SPEAKER_06]: So, it's good.
59:44
[SPEAKER_06]: So, it's good.
59:45
[SPEAKER_06]: So, it's good.
59:46
[SPEAKER_06]: So, it's good.
59:46
[SPEAKER_06]: So, it's good.
59:47
[SPEAKER_06]: So, it's good.
59:48
[SPEAKER_06]: So, it's good.
59:50
[SPEAKER_06]: So, it's good.
59:50
[SPEAKER_06]: So, it's good.
59:51
[SPEAKER_06]: So, it's good.
59:53
[SPEAKER_06]: in my own bank association.
59:55
[SPEAKER_00]: Carl Angel Speer.
59:56
[SPEAKER_00]: No, I'm just like, no, I'm joking.
1:00:01
[SPEAKER_00]: So you want to make sure that you're a policy structure property, right?
1:00:06
[SPEAKER_00]: So you want to make sure that it's a policy in which you can overfund.
1:00:09
[SPEAKER_00]: And overfunding your policy essentially means like, what kind of policy you get?
1:00:13
[SPEAKER_00]: Like, a whole life policy, but it's called an IU policy.
1:00:17
[SPEAKER_00]: A universal index policy, right?
1:00:20
[SPEAKER_00]: So the difference with that one is you receive a lot of compound interest on it because you can invest in things like the S&P 500.
1:00:29
[SPEAKER_00]: So one thing I like about these policies that you never lose money on them because even if everything goes crazy, stuff you still have a floor.
1:00:37
[SPEAKER_00]: So it's like a 0.75% interest which is more interesting than the bank, right?
1:00:41
[SPEAKER_00]: So you want to make sure that you have a policy that strikes your property.
1:00:44
[SPEAKER_00]: Yeah, it's overfunded.
1:00:46
[SPEAKER_00]: Overfunded, however much per year is based off of how much your policy is.
1:00:50
[SPEAKER_00]: But they call them men.
1:00:51
[SPEAKER_00]: So you can't go over that or it would out be in text, right?
1:00:54
[SPEAKER_00]: You want to make sure you're able to fund it into there.
1:00:56
[SPEAKER_00]: So you can have as many policies as you want to.
1:00:59
[SPEAKER_00]: That's the other thing.
1:01:00
[SPEAKER_00]: I recommend people have more than one.
1:01:02
[SPEAKER_00]: So that way you're able to get to where you need some faster because you're able to fund it a lot more.
1:01:07
[SPEAKER_00]: Right?
1:01:07
[SPEAKER_00]: So you just want to make sure that it's funded.
1:01:08
[SPEAKER_00]: You want to make sure that your money is there.
1:01:10
[SPEAKER_00]: Sure, you have a policy.
1:01:11
[SPEAKER_00]: That's the strategy, really.
1:01:13
[SPEAKER_00]: It's not super intricate, it's not super intricate, it's just, make sure you put that money in there.
1:01:20
[SPEAKER_06]: Is there, like, a certain timeframe where you can't pull from it?
1:01:24
[SPEAKER_06]: Like, like, within the first year of having the policy, or is it, like, first six months?
1:01:29
[SPEAKER_00]: No, so it depends on the carrier.
1:01:32
[SPEAKER_00]: Some people allow you 30, you know, in 30 days.
1:01:34
[SPEAKER_00]: But it depends on how much you've been funding it because you're not going to...
1:01:37
[SPEAKER_00]: like initially start out with that much money in there, right?
1:01:40
[SPEAKER_00]: So of course with the interest in which you're funding into it that gives you you know higher value.
1:01:44
[SPEAKER_00]: But some people wait like a year's time, like in my case I had it for a few years.
1:01:49
[SPEAKER_00]: Yeah how am I for about four or five years?
1:01:51
[SPEAKER_00]: Right.
1:01:51
[SPEAKER_00]: So it's like yeah.
1:01:52
[SPEAKER_00]: But I mean again it's the long game but it's that game because it's compounding at interest, compounding at interest and you're funded it.
1:01:59
[SPEAKER_00]: I don't care.
1:02:00
[SPEAKER_00]: People talk about Trump, right, but we talk about he didn't have a couple businesses that bank ripping.
1:02:05
[SPEAKER_00]: Guess where he'd be saving his money at?
1:02:07
[SPEAKER_00]: Inside life insurance.
1:02:08
[SPEAKER_00]: And guess what?
1:02:09
[SPEAKER_00]: People say they're money in the bank.
1:02:10
[SPEAKER_00]: People say, maybe I'm money in the bank, because you know what they're doing.
1:02:13
[SPEAKER_00]: They're going out and they're getting life insurance.
1:02:14
[SPEAKER_00]: It's called a bank-owned life insurance.
1:02:16
[SPEAKER_00]: So when they're taking your money and putting it into a policy and making a lot of interest off of it, a lot of money.
1:02:23
[SPEAKER_00]: So you want to just take your own money and put it where the bank is going to put it that anyway.
1:02:26
[SPEAKER_00]: Do it yourself.
1:02:29
[SPEAKER_04]: Yeah, so when it you spoke about we spoke on fun day you gave a lot of game on fun Let me just say this don't don't don't hold me when I said Trump.
1:02:38
[SPEAKER_00]: I'm not into the politics Yeah, I don't know Yeah, but I'm just I was giving it as an example because a lot of times people say already love it They hate it, but you can't lie It's what I just want to come to you.
1:02:48
[SPEAKER_00]: So no, yeah, I'm not into the politics So don't don't take me there
1:02:54
[SPEAKER_04]: 100% agree like even me like back when I feel like I was a little bit you know ignorant I was like yeah, when he's doing this wrong, you know when he's saving so much money on taxes But in reality is like It's a game everybody can play You know, so you just got to learn from it So we spoke about funding we spoke about life insurance
1:03:14
[SPEAKER_04]: What are some things that, once people get this money, once they set themselves up and you're able to borrow from your policy, what is like some places to go out, go ahead and invest this money?
1:03:24
[SPEAKER_04]: Like, what are some things you did when you got funding?
1:03:27
[SPEAKER_04]: Like, to be able to not only pay that money back, but also get some cash flow.
1:03:32
[SPEAKER_00]: So here's the thing, right?
1:03:33
[SPEAKER_00]: I don't, I don't.
1:03:37
[SPEAKER_00]: They would people who want to just get money to just have it or just to go on vacation wherever.
1:03:42
[SPEAKER_00]: You have to have a plan.
1:03:43
[SPEAKER_00]: And if you don't else it down to strategize, which would be able to get an income producing acid.
1:03:48
[SPEAKER_00]: Because you have to take the series, right?
1:03:51
[SPEAKER_00]: So for me, coming from the hair industry, I deal with a lot of people in the beauty industry.
1:03:56
[SPEAKER_00]: So I'm helping people get funding to start their, their salons, to open salons, sweet.
1:04:00
[SPEAKER_00]: Yeah.
1:04:01
[SPEAKER_00]: Another thing is like,
1:04:03
[SPEAKER_00]: apartment buildings.
1:04:05
[SPEAKER_00]: It ought to be a big building like some like a eight small eight unit for you and it wasn't doplexes any of that stuff.
1:04:11
[SPEAKER_00]: Anything that you can essentially put your money into that's going to bring a nice return.
1:04:17
[SPEAKER_00]: I said that people do transportation.
1:04:19
[SPEAKER_00]: you have to be a hustler, you have to let go of that.
1:04:22
[SPEAKER_00]: But there is a lot of people who are in that industry and need funding for that.
1:04:26
[SPEAKER_00]: So I helped a lot of people with that.
1:04:28
[SPEAKER_00]: I got back actually helped a lot of people with the equipment funding and stuff like that.
1:04:32
[SPEAKER_00]: Yeah, actually, I got a few people in my opinion.
1:04:33
[SPEAKER_00]: Yeah, I love that part of it because like I said, you know, yeah, yeah.
1:04:37
[SPEAKER_06]: Talk to me about one of your stories, as far as a success story, you can request that you probably would never forget, you know, like the client that you made of how something belonged to you.
1:04:49
[SPEAKER_00]: Yeah, it was actually one of my first first client when I was unofficially the finance angel, right?
1:04:54
[SPEAKER_00]: And it really gave me the motivation too, so I knew a guy and, um,
1:04:57
[SPEAKER_00]: He had a couple kids or whatever, and he was going through a divorce.
1:05:01
[SPEAKER_00]: He had been in like the transportation industry, but he had let it go for whatever reason, but he wanted to get back into it.
1:05:07
[SPEAKER_00]: That was him, and it was like a five, 40 something, and you know, 500's across.
1:05:13
[SPEAKER_00]: So I was like, set down with him, I'm like, look, if you serious about it, we could put a strategy together.
1:05:16
[SPEAKER_00]: So we really put the strategy together, got his credit fixed, you know, got him some authorizers put on there.
1:05:21
[SPEAKER_00]: So in it,
1:05:22
[SPEAKER_00]: People look at those and you have to use it just strategically, right?
1:05:26
[SPEAKER_00]: It's not just to have all this, you know, authorized people know.
1:05:29
[SPEAKER_00]: We had to build the credit up.
1:05:30
[SPEAKER_00]: So we said there we built it.
1:05:31
[SPEAKER_00]: We was able to get a $98,000, maybe able to go out and get a truck.
1:05:36
[SPEAKER_00]: And then the coolest part of that was you put a plan together like for industry.
1:05:41
[SPEAKER_00]: He was able to pay a money back.
1:05:42
[SPEAKER_00]: He paid that whole thing back in like two and a half years.
1:05:46
[SPEAKER_02]: Mm-hmm.
1:05:47
[SPEAKER_06]: I like that you mentioned that because
1:05:49
[SPEAKER_06]: A lot of people have the biggest fear of like, you know, I don't want to get a cutie car, I don't want to get a load because my biggest thing is, I don't believe I can pay it back or like, I have to pay this money back.
1:05:59
[SPEAKER_06]: You know what I mean, so basically they say, I don't believe in myself, you know?
1:06:03
[SPEAKER_06]: So I'm glad that you mentioned that, you know, you put a plant, but what was the plan that you put for me?
1:06:08
[SPEAKER_00]: So we put together, so initially, the known that we got was a little higher on the interest side.
1:06:14
[SPEAKER_00]: Because of course, we had just put them to the whole process of cleaning the credit and building it.
1:06:18
[SPEAKER_00]: So he didn't have what people were really initially want.
1:06:21
[SPEAKER_00]: So it was more of like a more prime loan, so the interest was higher on it.
1:06:25
[SPEAKER_00]: So we put a strategy together, okay, this will be going to be going to use part of the 0% interest, right?
1:06:31
[SPEAKER_00]: for being a guy in the car and we're going to use part of money for this and we took the loan actually put some of the money aside so that we can be able to pay for the loan while he's still paying you know what he's got to be able to make money and then you have to worry about the interest over on the car so it was like okay.
1:06:46
[SPEAKER_00]: So money to decide, get in this truck, start driving in and we're going to just make a payment plan.
1:06:51
[SPEAKER_00]: So you know, just keep paying it and just keep paying it and we we've to systemize it to the same amount.
1:06:56
[SPEAKER_00]: It becomes no system.
1:06:57
[SPEAKER_00]: It's already on auto, auto draft.
1:07:00
[SPEAKER_00]: Those are the things.
1:07:01
[SPEAKER_00]: The thing is people a lot of time will allow their feelings to get in the way.
1:07:04
[SPEAKER_00]: Business doesn't have anything to do with feelings.
1:07:06
[SPEAKER_00]: It's all about systems.
1:07:08
[SPEAKER_00]: So once you have a system in place, it doesn't matter what you feel like.
1:07:11
[SPEAKER_00]: It's going to happen.
1:07:12
[SPEAKER_00]: Yeah.
1:07:12
[SPEAKER_00]: So systematically, I want to just come out and it's going back to
1:07:16
[SPEAKER_00]: And he was able to flow his business for the first few months because, you know, you get in business, you know, that's why I said, yeah, I put some of the money to the size you can pay that loan.
1:07:24
[SPEAKER_00]: So he never built this credit crazy and now he could go back in.
1:07:27
[SPEAKER_00]: Yeah, yeah, I paid that so let's get some more money.
1:07:29
[SPEAKER_06]: And I'm sure, again, like confidence.
1:07:31
[SPEAKER_06]: Absolutely.
1:07:32
[SPEAKER_06]: You know, I have like six months both from the expenses to be covered.
1:07:36
[SPEAKER_06]: And I don't know what I'm worried about, you know, expectations.
1:07:40
[SPEAKER_06]: He gives you enough time to go out here.
1:07:42
[SPEAKER_00]: Yeah.
1:07:42
[SPEAKER_00]: He actually skilled.
1:07:45
[SPEAKER_00]: Yeah, I think that was probably one of our big things, you know like you said it's the confidence thing.
1:07:58
[SPEAKER_00]: I think that's another thing about it
1:08:00
[SPEAKER_00]: how the young lady like to believe in herself again, like she had with like a divorce, it kind of be her down that.
1:08:07
[SPEAKER_00]: So like she's in the hair industry too, so I hope there's she got her her hair salon going on.
1:08:11
[SPEAKER_00]: Yeah, I can assure her.
1:08:13
[SPEAKER_00]: She really, really, there I think what it's, so yeah, I think the biggest thing that
1:08:16
[SPEAKER_00]: I enjoy it to it's like feeding in love and like he's the answer I love it on the people because once you have somebody behind you and showing you that Hey, it can really be done.
1:08:25
[SPEAKER_00]: Yeah, and once you had that that game plan What she gives somebody or make that but you know, this is how it could work out long juice stick to the script
1:08:32
[SPEAKER_00]: And you, I had to talk to people all the time about their self-belief and make ensures you show up for yourself.
1:08:37
[SPEAKER_00]: When you start show up for yourself, you believe you could do anything.
1:08:40
[SPEAKER_00]: And it comes out in the area in your life.
1:08:42
[SPEAKER_00]: It's true.
1:08:43
[SPEAKER_00]: It's a good, true thing.
1:08:45
[SPEAKER_04]: Is there ever a point where people come to you for funding?
1:08:48
[SPEAKER_04]: And you're like, it might be like the first business venture, and they might want to pull out like six figures, like, oh, give me $100,000 in funding.
1:08:58
[SPEAKER_04]: Is it like, like, from your perspective, that somebody, you know, who's gonna go, gonna help them get that funding?
1:09:04
[SPEAKER_04]: Do you tell them, like, I think you might shit, you probably should start low or depending on their business, you might think it's the right number.
1:09:10
[SPEAKER_00]: So, me, I always assess it for what it is.
1:09:13
[SPEAKER_00]: Now, I'm gonna tell you exactly what I think, right?
1:09:16
[SPEAKER_00]: I'll tell people, no, I'll decline people until I'm not helping with your funding because your intentions are not right.
1:09:21
[SPEAKER_00]: Well, you don't have a plan, or I know you're not gonna listen to it.
1:09:25
[SPEAKER_00]: You know, so, yeah, definitely I always assess it and I kind of do the research sometime depending on if I'm not, you know, a company that's like sure about the industry, because I want to be for sure that it's the right fit for them.
1:09:37
[SPEAKER_00]: Sometimes we think it's the right fit for us, but we don't know, and as an expert, you know, I want to make sure from a professional side that, hey, this is the right fit and this is what you need for that.
1:09:46
[SPEAKER_00]: Yeah, definitely.
1:09:47
[SPEAKER_00]: I'm in it with people, man, I'm in it with my people.
1:09:49
[SPEAKER_00]: Because it's my name, because my thing is I never want you to come in worse than what you know about.
1:09:54
[SPEAKER_00]: Yeah, yeah, yeah, yeah.
1:09:56
[SPEAKER_00]: So if I know I'm gonna get you this money, you're not gonna do the right thing with it.
1:09:58
[SPEAKER_00]: Because it's gonna happen.
1:09:59
[SPEAKER_00]: As you gon' blame me.
1:10:00
[SPEAKER_00]: Uh-huh.
1:10:01
[SPEAKER_00]: And you just said, all right, and so I did.
1:10:03
[SPEAKER_00]: No, no, no, no, no, no.
1:10:05
[SPEAKER_00]: And I'm real big about giving people the information because I love to give people information.
1:10:09
[SPEAKER_00]: But whatever you do with it, or if you choose to or don't, that's all you need.
1:10:12
[SPEAKER_00]: But you can't say I didn't give it to you.
1:10:13
[SPEAKER_00]: All right, all right, all right, all right, all right.
1:10:16
[SPEAKER_04]: That's real, all right, all right, all right, all right, all right.
1:10:18
[SPEAKER_04]: Unfortunately, some people, they end the funding game and, you know, it will be like, I want $100,150,000.
1:10:23
[SPEAKER_04]: They're just looking at the percentage and when those people school themselves up, you know.
1:10:30
[SPEAKER_00]: Speaking of, it comes back to my angle where I am now currently as a finance angel.
1:10:36
[SPEAKER_00]: I've always felt this way, but it's more now that I'm seeing it in real life because I'm looking and I'm like, oh, there's business owners who don't know the next step.
1:10:45
[SPEAKER_00]: There's people that still find in their business out of their pocket.
1:10:47
[SPEAKER_00]: There's people who, you know,
1:10:49
[SPEAKER_00]: want good credit but they don't know how to do it, you know, and there's some people that want to do what they scared to allow people to help them, right?
1:10:56
[SPEAKER_00]: Because some people get burnt.
1:10:58
[SPEAKER_00]: My thing is I don't want to help without helping, if that makes sense, right?
1:11:03
[SPEAKER_00]: So my thing is now when I'm talking to people and you will come to me for your credit,
1:11:08
[SPEAKER_00]: All right, cool.
1:11:09
[SPEAKER_00]: I don't want to fix your credit.
1:11:10
[SPEAKER_00]: I want to teach you how to fix your credit.
1:11:12
[SPEAKER_00]: I'll walk with you hand in hand to show you.
1:11:15
[SPEAKER_00]: Guess what?
1:11:15
[SPEAKER_00]: Now I know when you leave me, you know how to maintain your credit.
1:11:18
[SPEAKER_00]: You can go help your family and kids.
1:11:20
[SPEAKER_00]: Your neighbors whoever it is.
1:11:21
[SPEAKER_00]: So guess what happens now?
1:11:23
[SPEAKER_00]: My mission is to get even bigger and better and expand faster because I help you.
1:11:27
[SPEAKER_00]: Now you can go help somebody else and it goes on and on.
1:11:29
[SPEAKER_00]: So my thing now, I don't want to do credit repair.
1:11:32
[SPEAKER_00]: I don't, I want you to know how to repair your credit and maintain your credit when you're own.
1:11:36
[SPEAKER_00]: So now I'm like, hey, instead of you paying me x, y, z, because I know you're going to come back.
1:11:42
[SPEAKER_00]: Because a lot of times people in credit repair, that's not their first rodeo, it's not their first time doing it.
1:11:46
[SPEAKER_00]: What happens is they lack the knowledge to be able to, to maintain it.
1:11:50
[SPEAKER_00]: Because people will fix it and say, oh, go about your business.
1:11:52
[SPEAKER_00]: I don't do that.
1:11:53
[SPEAKER_00]: So now, instead of you paying x, y, z, let's say $2,000 with me, to fix your credit.
1:11:59
[SPEAKER_00]: Why don't you pay $3,500, whatever the case may be.
1:12:02
[SPEAKER_00]: And me, stem with you, teach you how to do it.
1:12:05
[SPEAKER_00]: Show you how to get leverage, leverage your credit to get money.
1:12:09
[SPEAKER_00]: Show you how to help other people.
1:12:12
[SPEAKER_00]: Show you how to get asset, that's going to bring some money back to you.
1:12:18
[SPEAKER_00]: Let's get a measurement to our ship.
1:12:19
[SPEAKER_00]: Let's walk on and hang.
1:12:20
[SPEAKER_06]: So for the people that was the weirdest kind of game, learn this kind of information, as we touched on a lot.
1:12:25
[SPEAKER_06]: And I don't think our work is getting nice.
1:12:29
[SPEAKER_06]: There's a lot more to this.
1:12:32
[SPEAKER_06]: There's a lot of more trouble is that they're more than like even when I need to get the body of sounds, you know, you can't get enough of your mission, go out there and start the process.
1:12:41
[SPEAKER_06]: But to really get to the next step, we're really getting to the next level, I'm sure there's going to be some kind of good blows.
1:12:46
[SPEAKER_06]: Right?
1:12:47
[SPEAKER_06]: How can the people that are a little bit more from me?
1:12:49
[SPEAKER_00]: I love when you said that by yourself because that's what it is a lot of time because the last time you're buying yourself trying to figure this up out or you have a friend who knows just as much as you, that'd be my room, no, even less than you and they give you advice.
1:13:00
[SPEAKER_00]: So what I do just because I host weekly classes on Sundays, they're free classes, you can pull up 7 p.m. every Sunday and you could actually go to, you know, you can go to,
1:13:09
[SPEAKER_00]: the financeangel.com for slash class and you know enroll in the class and for you know especially for you come in I also give out my free work book and that way you know you're able to have it physically and time to be as well as well as coming to the class and get the knowledge of free and I offer you know like I said I offer courses, mentorships you know some people feel like oh I need you to walk with me hold my hand so you need me you know live so I do a mentorship as well as have a self-paced course.
1:13:35
[SPEAKER_04]: Yeah, that's amazing, that's amazing.
1:13:38
[SPEAKER_04]: I did want to actually, too, on the banking side, like with your experience, you know, getting people funding, like, what are some banks that you would say is like, you know, friendly for like new business owners, so they could probably get maybe their first,
1:13:54
[SPEAKER_04]: 10k, 20k, they're even 50k, possibly.
1:13:58
[SPEAKER_04]: What are some banks or some cars that you know that are really, really good?
1:14:03
[SPEAKER_00]: Yeah, you know, actually, I prefer a credit union, because credit unions are made of people like us, right?
1:14:09
[SPEAKER_00]: They're like, damn, they're non-profit.
1:14:11
[SPEAKER_00]: So they, you know, I prefer them because you don't have to be like perfect versus like the big banks.
1:14:17
[SPEAKER_00]: They're more off the give it to you.
1:14:18
[SPEAKER_00]: It sounds like like the pen fizz.
1:14:20
[SPEAKER_00]: Of course, I like the Navy fizz.
1:14:21
[SPEAKER_00]: I like the Christian communities.
1:14:23
[SPEAKER_00]: You know, those type of, you know, create unions.
1:14:28
[SPEAKER_00]: But of course, if you're going to be, you know, start your funding sequence, you do have to go to, if you're going to go to a big bank, you do have to check in, which is because, Chase, don't like being a second there, you're right?
1:14:36
[SPEAKER_00]: Because it got that fast, but it's more robust.
1:14:38
[SPEAKER_00]: If you have more than five, a lot of time, you'd be less than that, but five, increase within 24 month period, they won't give you anything.
1:14:44
[SPEAKER_00]: It no matter what your credit look like.
1:14:46
[SPEAKER_00]: So yeah, I always say go first like credit unions regional banks smaller bank spares Yeah, do any of the credit unions have any requirements that that people need to to follow or to qualify for A lot of times I'm just being a member be a member and start going in and get their products So like I'll tell people like didn't navy fed Always easy to get into navy federal, you know, so it's a back door play You know my grandfather used to be any past away.
1:15:08
[SPEAKER_00]: You don't you don't have that information And if you don't get through that first time call back You know, it's out of me, you know, but always
1:15:14
[SPEAKER_00]: You know, going to these places and be serious, good relationship, get their products.
1:15:19
[SPEAKER_00]: Go on to Navy Fad, get your good check in account with them, you know, you save in the account, get you a pledge loan, right?
1:15:26
[SPEAKER_00]: A pledge loan is basically taking your own money, putting into your savings account and saying, hey, give me a loan based off my own money.
1:15:32
[SPEAKER_00]: You know, they do they release it right back to you, you take that, pay it down 90% or the next day or two after they pay it for, tell them no auto pay though.
1:15:45
[SPEAKER_00]: It builds your credit up and your rapport with them.
1:15:50
[SPEAKER_00]: You know, I'm sensitive, you know, internal bank score goes crazy with them because now you've got their products and all of them.
1:15:55
[SPEAKER_00]: So I should be honest with you.
1:15:57
[SPEAKER_00]: Wow.
1:15:57
[SPEAKER_00]: And that's what banks love.
1:15:58
[SPEAKER_00]: Because a lot of times I'm especially people who just came out of credit repair.
1:16:02
[SPEAKER_00]: Um.
1:16:03
[SPEAKER_00]: Not knocking what people do, but I ain't that internet, you know what I'm saying?
1:16:07
[SPEAKER_00]: Credit guru, I'm not telling you put on these co-voles and all this crap on your credit because that's the person they look at because they look at like, oh, they just came out of credit repair.
1:16:16
[SPEAKER_00]: I needed to go in these brobanks and get you pledge loans, get you real secure at cards, get you stuff that's real, you know what I'm saying?
1:16:23
[SPEAKER_00]: So that when when other writers looking at you down, look at you sideways, oh, you just bought all this stuff, you just came out of credit repair.
1:16:28
[SPEAKER_00]: No.
1:16:29
[SPEAKER_00]: We need to do this stuff a real and do it right.
1:16:31
[SPEAKER_04]: That's a fact, that's a fact.
1:16:33
[SPEAKER_04]: So known what you know now, right?
1:16:36
[SPEAKER_04]: If you were to go back and already have this information, would you have closed you salon back in back, like during like post pandemic, or would you have like, had the opportunity to go out and get funding and probably open another salon and then kind of just staying in that salon world?
1:16:53
[SPEAKER_04]: Or you feel like, I probably would still
1:16:57
[SPEAKER_00]: It would be a bit of both, but I'll be light-years ahead of where I am now, I'll have to learn sweets.
1:17:02
[SPEAKER_00]: I will have your game as long as this boy, I'll be buying the bill, the instead of buying, getting this, I'll learn rented.
1:17:08
[SPEAKER_00]: I would definitely see, at my goal was always, I always had to exercise strategy.
1:17:13
[SPEAKER_00]: I've never wanted to be 40 in behind a chair.
1:17:15
[SPEAKER_00]: So, I mean, nothing against anybody was, that just wasn't for me.
1:17:19
[SPEAKER_00]: Not always loved people, I love people, so I always loved to educate.
1:17:22
[SPEAKER_00]: So, knowing this stuff, we definitely would have had a fleet of some on-sweets, teacher people how to do it as I do, but I would definitely be in this face, too, because this is what I call and I know after everything I've been through and got along with the get-through, it's for me to teach the people.
1:17:37
[SPEAKER_05]: Sure.
1:17:38
[SPEAKER_00]: Okay, I'm doing people with this service, no one else is up and not telling them and I have such patients and I love for teaching and love for people that it works for me.
1:17:47
[SPEAKER_00]: It works for me.
1:17:48
[SPEAKER_00]: Yeah.
1:17:50
[SPEAKER_04]: Yeah.
1:17:51
[SPEAKER_06]: I really did enjoy this conversation.
1:17:52
[SPEAKER_04]: Definitely.
1:17:54
[SPEAKER_06]: I enjoyed it.
1:17:55
[SPEAKER_06]: I really did enjoy this conversation.
1:17:58
[SPEAKER_06]: Definitely.
1:17:58
[SPEAKER_06]: I enjoyed it.
1:17:58
[SPEAKER_06]: I really did enjoy it.
1:17:59
[SPEAKER_06]: I really did enjoy it.
1:18:00
[SPEAKER_06]: I really did enjoy it.
1:18:01
[SPEAKER_06]: I really did enjoy it.
1:18:01
[SPEAKER_06]: I really did enjoy it.
1:18:03
[SPEAKER_06]: I really did enjoy it.
1:18:04
[SPEAKER_06]: I really did enjoy it.
1:18:05
[SPEAKER_06]: I really did enjoy it.
1:18:06
[SPEAKER_00]: Yeah, just be serious man, you know, and give yourself time, you know, have grades, I mean, we all make mistakes and it's not that we fail because, you know, we not lazy, that we lazy or we not doing the right things, we fail a lot of time because we don't have the proper structure and the proper financial literacy, the proper education.
1:18:28
[SPEAKER_00]: So go out and get these things.
1:18:30
[SPEAKER_00]: You know what I'm saying?
1:18:30
[SPEAKER_00]: Don't act your grandmother, don't act your auntie.
1:18:33
[SPEAKER_00]: Stay away from people who are still, still doing the same things, still think of the same, you know what I'm saying?
1:18:40
[SPEAKER_00]: Stay away from those people, and my other piece of advice, if you want to try it live, or make a council with them, don't act the ass, but they're a thing, because it don't matter.
1:18:50
[SPEAKER_00]: But no, just just give yourself grace.
1:18:52
[SPEAKER_00]: Don't go for a miracle overnight, think if it happens too fast, then yeah, might love you.
1:18:57
[SPEAKER_00]: Stay in the room.
1:18:58
[SPEAKER_00]: Yeah.
1:18:59
[SPEAKER_06]: Well, and also, I'll give the people five of you a little bit more.
1:19:02
[SPEAKER_00]: Oh, so I am the finance angel and all platforms, except TikTok.
1:19:05
[SPEAKER_00]: I am the finance angel one.
1:19:07
[SPEAKER_00]: You can also link in with me at thefinanceangel.com.
1:19:11
[SPEAKER_04]: This was a really good one.
1:19:14
[SPEAKER_04]: It kind of made me think like everything you went through with like a learning experience.
1:19:18
[SPEAKER_04]: Like, you know, now you're, you're really good at life insurance.
1:19:22
[SPEAKER_04]: Now you're helping people get their policies in order from your mistakes.
1:19:26
[SPEAKER_04]: You know, you self-funded yourself early on and then had to close shop.
1:19:30
[SPEAKER_04]: Now you're, you know, you're getting people funding so they can go on and scale their business.
1:19:35
[SPEAKER_04]: So definitely it's amazing.
1:19:37
[SPEAKER_04]: You know that it's to see you learn from your experience and help other people at this point.
1:19:42
[SPEAKER_00]: Let me think that back to the biggest thing I would say is get a mentor.
1:19:45
[SPEAKER_00]: That's the thing that really changed my life.
1:19:47
[SPEAKER_00]: Mentorship.
1:19:49
[SPEAKER_00]: Because if I would have had one the knowledge,
1:19:52
[SPEAKER_00]: And a mentor, again, I would be like years ahead.
1:19:55
[SPEAKER_00]: Because at the time, you know, back in the days, like I said, our time was different.
1:19:59
[SPEAKER_00]: You didn't see online, whatever, my own culture, a mentor, we didn't have that.
1:20:03
[SPEAKER_00]: You might see somebody doing something but that's on day stuff, self-funded too.
1:20:06
[SPEAKER_00]: So we were just making it happen off of what we knew.
1:20:09
[SPEAKER_00]: But you don't have to.
1:20:10
[SPEAKER_00]: I made automostakes.
1:20:11
[SPEAKER_00]: I've been through all of that for you, so that you don't have to, right?
1:20:14
[SPEAKER_00]: Get a mentor.
1:20:16
[SPEAKER_00]: Preferably Angel Speer.
1:20:18
[SPEAKER_00]: I don't know if you can.
1:20:20
[SPEAKER_00]: It's not me, definitely get a mentor.
1:20:22
[SPEAKER_00]: Yeah.
1:20:23
[SPEAKER_00]: Definitely definitely.
1:20:26
[SPEAKER_06]: So yeah, this was another sort of motionier success.
1:20:29
[SPEAKER_06]: Listen guys, I can enjoy this podcast.
1:20:31
[SPEAKER_06]: How about yourself bro?
1:20:32
[SPEAKER_04]: It's a great episode.
1:20:33
[SPEAKER_04]: I learned a lot.
1:20:35
[SPEAKER_06]: I learned a lot too.
1:20:36
[SPEAKER_06]: Especially with that AI tool that you mentioned.
1:20:39
[SPEAKER_04]: Yes.
1:20:39
[SPEAKER_06]: What was it in with that?
1:20:40
[SPEAKER_06]: Notebook, LM.
1:20:41
[SPEAKER_06]: Notebook, LM, that's definitely a huge takeaway for sure for sure.
1:20:44
[SPEAKER_00]: Yeah.
1:20:45
[SPEAKER_06]: Never heard about that one.
1:20:46
[SPEAKER_06]: But definitely this is another episode of Motion and Success.
1:20:49
[SPEAKER_06]: Again, guys, if you look and learn how to grow your digital business online, you need systems.
1:20:53
[SPEAKER_06]: So go ahead and text.
1:20:54
[SPEAKER_06]: Text the word GHL to 646-624-0611.
1:21:00
[SPEAKER_06]: I would definitely give you guys a free course and also after 30 day trial to go out and start using a CR and call go out and level this has been a game changer for us in business So there you have it.
1:21:11
[SPEAKER_06]: That's another episode of motion success.
1:21:13
[SPEAKER_06]: I see you guys in the next one