Latest / Earn Your Leisure / Professional Development: CREDIT FUNDAMENTALS

Transcript

Professional Development: CREDIT FUNDAMENTALS · Earn Your Leisure

• 0:00
  Speaker 1: You just realized your business needed to hire someone yesterday.
• 0:04
  Speaker 1: How can you find amazing candidates fast? Easy? Just use Indeed.
• 0:09
  Speaker 1: Stop struggling to get your job posts seen on other
• 0:12
  Speaker 1: job sites. With Indeed sponsored jobs, your post jumps to
• 0:16
  Speaker 1: the top of the page for your relevant candidates, so
• 0:19
  Speaker 1: you can reach the people you want faster. According to
• 0:22
  Speaker 1: Indeed data, sponsored jobs posted directly on Indeed have forty
• 0:26
  Speaker 1: five percent more applications than non sponsored jobs. Don't wait
• 0:30
  Speaker 1: any longer. Speed up your hiring right now with Indeed,
• 0:33
  Speaker 1: and listeners of this show will get a seventy five
• 0:36
  Speaker 1: dollars sponsored job credit to get your jobs more visibility
• 0:39
  Speaker 1: at indeed dot com slash pod Katz thirteen. Just go
• 0:45
  Speaker 1: to Indeed dot com slash pod Katz thirteen right now
• 0:50
  Speaker 1: and support our show by saying you heard about Indeed
• 0:53
  Speaker 1: on this podcast. Terms and conditions apply. Hiring Indeed is
• 0:57
  Speaker 1: all you need.
• 0:58
  Speaker 2: At the end of the day, Guys, if you're gonna
• 1:00
  Speaker 2: start a business, you're gonna miss some bills, Okay, You're
• 1:03
  Speaker 2: gonna lose some friends, You're gonna not talk to family.
• 1:08
  Speaker 2: You're gonna meet people that you would have never thought
• 1:11
  Speaker 2: that would elevate you to a point where you're like, damn,
• 1:13
  Speaker 2: this person does more than my own my own dad,
• 1:17
  Speaker 2: but this person does more than my cousin. This person
• 1:19
  Speaker 2: does more. Guys, I don't have a dad, I don't
• 1:22
  Speaker 2: have a father. My mom's getting divorced from my stepdad again.
• 1:25
  Speaker 2: So that's two dads in my life that am I
• 1:27
  Speaker 2: gonna make excuse? Am I gonna cry about it? Yeah?
• 1:28
  Speaker 2: I cry about it. I get help whatever the case is.
• 1:30
  Speaker 2: But am I gonna Is that gonna prevent me from
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  Speaker 2: doing what I gotta do? No, if you guys lose
• 1:34
  Speaker 2: a friend, if you guys go through a divorce, if
• 1:36
  Speaker 2: you guys go through a loss, if you guys go
• 1:38
  Speaker 2: through a separation, don't let that deter you from doing
• 1:40
  Speaker 2: what your ultimately to have to do. Look, I'm at
• 1:42
  Speaker 2: twelve years. I try to I try to commit suicide
• 1:45
  Speaker 2: years ago. What would have happened if I did that?
• 1:48
  Speaker 2: You know what I mean? I still battle it. But guys,
• 1:50
  Speaker 2: if you're not ready to handle what comes with being
• 1:54
  Speaker 2: in business for ten years, fifteen years, then stop. Go
• 1:57
  Speaker 2: back to you nine to five, go back to what
• 1:59
  Speaker 2: you're doing right now, and be like, you know what
• 2:01
  Speaker 2: I want the education, But you know what, I'm not
• 2:02
  Speaker 2: ready to make this leap yet. I'm not ready to
• 2:04
  Speaker 2: go into this area of my life where I'm going
• 2:07
  Speaker 2: to lose friends and and God is going to test
• 2:10
  Speaker 2: me in a way. I'm not I'm not. I'm not religious,
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  Speaker 2: but I'm very spiritual. I'm wholeheartly believe in in having
• 2:16
  Speaker 2: a higher power, in God and believing that things are
• 2:19
  Speaker 2: meant to be you speaking into existence. Like there's things
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  Speaker 2: in life that if you don't speak it into existence,
• 2:25
  Speaker 2: it's never gonna happen. You guys know about me, I'm
• 2:27
  Speaker 2: not cocky. I'm not. I'm not I'm not conceited. I'm
• 2:30
  Speaker 2: actually a little bit unsure of myself. I'm always nervous
• 2:32
  Speaker 2: when I speak. But that's okay because that's the credit dude,
• 2:35
  Speaker 2: you know what I mean. Like, I'm not going to
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  Speaker 2: go up there and start flashing and black. That's not me.
• 2:38
  Speaker 2: But I'm telling you guys right now, whatever industry you're
• 2:41
  Speaker 2: trying to do, right, if your credit is messed up,
• 2:44
  Speaker 2: don't let your credit being messed up to tear you
• 2:46
  Speaker 2: from starting that business. Because I started the business with
• 2:50
  Speaker 2: a little bit of credit. And if I'll bankruptcy a year,
• 2:52
  Speaker 2: like a year after I quit my job, and for
• 2:55
  Speaker 2: five years I had bankrupcy in my credit report, you
• 2:57
  Speaker 2: know what I mean. So don't look at things like
• 3:02
  Speaker 2: you might have to leave this behind and get back
• 3:04
  Speaker 2: to it later, you know what I mean. You know what, guys,
• 3:06
  Speaker 2: I would have to leave my family in the back
• 3:07
  Speaker 2: burner for a little bit. Not immediate family, but like
• 3:10
  Speaker 2: my friends and everybody everybody at the club, pop and
• 3:13
  Speaker 2: bottle like guys, truth be told, swear to God all
• 3:16
  Speaker 2: my life. My first pair of Jordans that I bought
• 3:20
  Speaker 2: was for the Jacob Javic Center seminar. I think that
• 3:23
  Speaker 2: was December of twenty nineteen. That was my first pair
• 3:25
  Speaker 2: of Jordan's, first pair of air Jordans. And I didn't
• 3:28
  Speaker 2: even buy my wife did. I said, what are you doing?
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  Speaker 2: You crazy? Are you crazy? But yet everybody that I see,
• 3:34
  Speaker 2: oh they got Jordans, but they got a five sixty
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  Speaker 2: credit score. Like I literally was that person that was like,
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  Speaker 2: I'm not buying any pair of Jordans because I don't
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  Speaker 2: deserve it. You know what I mean. You're going into
• 3:43
  Speaker 2: a relationship, You're going into a marriage, You're going into
• 3:45
  Speaker 2: something like it was in the Breakfast Covey to day.
• 3:47
  Speaker 2: It was crazy. It was like, if you don't have
• 3:48
  Speaker 2: at least twenty five thousand dollars in the bank, you
• 3:50
  Speaker 2: shouldn't be with them. You shouldn't. What can you offer?
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  Speaker 2: It makes sense to a certain extent, you know what
• 3:56
  Speaker 2: I mean. But you have to understand, like you are
• 4:00
  Speaker 2: are in control of every single Yeah. T. K. Kirkland
• 4:03
  Speaker 2: was the one that said it, so you guys can
• 4:04
  Speaker 2: check that out. The thing is, guys, you're in control
• 4:06
  Speaker 2: of everything in your life. Guys. My mom was the
• 4:08
  Speaker 2: one that told me, oh, you're crazy for starting your business.
• 4:11
  Speaker 1: You you.
• 4:13
  Speaker 2: Have health insurance with the government. What is wrong with you? Right?
• 4:16
  Speaker 2: And now we provide one hundred percent health insurance for
• 4:19
  Speaker 2: all our employees. You understand what I'm saying. It's like
• 4:22
  Speaker 2: I'm paying my momself. Like it's not to brag. I'll
• 4:24
  Speaker 2: say that here. I want to say that like on
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  Speaker 2: instagrammer you too, because the people look at it. I'm
• 4:27
  Speaker 2: not bragging, but I'm just letting you know that your
• 4:30
  Speaker 2: parents never going to have bad intentions for you. They're
• 4:32
  Speaker 2: always going to want to play it safe. You know
• 4:34
  Speaker 2: what I mean. When I went to the breakfast club,
• 4:36
  Speaker 2: as I mentioned my dad, my dad said, He's like, yeah, man,
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  Speaker 2: you know, just know that I always knew you were
• 4:42
  Speaker 2: going to be great because my blood runs through you,
• 4:45
  Speaker 2: and I knew you were going to be great. So
• 4:47
  Speaker 2: just don't forget where you got this idea from, because
• 4:50
  Speaker 2: if it wasn't for me, you wouldn't be here. Like
• 4:53
  Speaker 2: what type of person speaks that way? You didn't see
• 4:57
  Speaker 2: what I'm saying? So for me, am I at a
• 4:58
  Speaker 2: loss with my dad. I'm a block my dad. I
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  Speaker 2: don't I don't I let him. I let him hit
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  Speaker 2: me up. Hit me up, bro, Like, at least, at
• 5:05
  Speaker 2: least I know you're alive. That's how I know my
• 5:06
  Speaker 2: dad's alive when he hit me up for money. You
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  Speaker 2: know what I mean? I can take that in soul.
• 5:10
  Speaker 3: It can be.
• 5:10
  Speaker 2: I'm like, listen, I've got bigger problems. I got a payroll,
• 5:13
  Speaker 2: you know what I mean?
• 5:15
  Speaker 4: Erners, what's up? You ever walk into a small business
• 5:18
  Speaker 4: and everything just works like? The checkout is fast, the
• 5:21
  Speaker 4: receipts are digital, tipping is a breeze, and you're out
• 5:25
  Speaker 4: the door before the line even builds. Odds are they're
• 5:28
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• 5:32
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• 5:38
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• 5:41
  Speaker 4: to take payments, manage inventory, and run their business with confidence,
• 5:45
  Speaker 4: all from one simple system. If you're a business owner
• 5:49
  Speaker 4: or even just thinking about launching something soon, Square is
• 5:52
  Speaker 4: hands down one of the best tools out there to
• 5:54
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• 6:01
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• 6:05
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• 6:15
  Speaker 4: Don't wait, don't hesitate. Let's Square handle the back end
• 6:18
  Speaker 4: so you can keep pushing your vision forward. This episode
• 6:25
  Speaker 4: is brought to you by P and C Bank. A
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• 7:02
  Speaker 4: National Association Member FDIC.
• 7:06
  Speaker 1: You just realized your business needed to hire someone yesterday.
• 7:10
  Speaker 1: How can you find amazing candidates fast? Easy? Just use
• 7:15
  Speaker 1: Indeed stop struggling to get your job posts seen on
• 7:18
  Speaker 1: other job sites. With Indeed sponsored jobs, your post jumps
• 7:22
  Speaker 1: to the top of the page for your relevant candidates,
• 7:25
  Speaker 1: so you can reach the people you want faster. According
• 7:28
  Speaker 1: to Indeed data, sponsored jobs posted directly on Indeed have
• 7:31
  Speaker 1: forty five percent more applications than non sponsored jobs. Don't
• 7:36
  Speaker 1: wait any longer, speed up your hiring right now with Indeed,
• 7:40
  Speaker 1: and listeners of this show will get a seventy five
• 7:42
  Speaker 1: dollars sponsored job credit to get your jobs more visibility
• 7:45
  Speaker 1: at indeed dot com slash pod Katz thirteen. Just go
• 7:51
  Speaker 1: to Indeed dot com slash pod Katz thirteen right now
• 7:56
  Speaker 1: and support our show by saying you heard about Indeed
• 7:59
  Speaker 1: on this podcast, terms and conditions applying hiring indeed is
• 8:03
  Speaker 1: all you need.
• 8:04
  Speaker 2: I got six figure, seven figure payroll a year that
• 8:06
  Speaker 2: I gotta worry about, you know what I mean. So
• 8:08
  Speaker 2: I'm not worried about that I woulda get. I'm gonna
• 8:10
  Speaker 2: get back to that later when I'm ready. You instead
• 8:13
  Speaker 2: what I'm saying. So, guys, twelve years in business, bankruptcy, divorced.
• 8:20
  Speaker 2: As far as my parents going through it, abuse, hearing
• 8:24
  Speaker 2: about abuse, not paying a bills, not knowing like me
• 8:30
  Speaker 2: and my wife, guys used to go to anybody know
• 8:34
  Speaker 2: what like write it is because I know there's people
• 8:35
  Speaker 2: like in different areas of the country, right aid. Me
• 8:38
  Speaker 2: and my wife used to go food shopping at Rite
• 8:40
  Speaker 2: aid with care credit because I had no cash in
• 8:43
  Speaker 2: the bank. My bank account was negative. I couldn't pull
• 8:46
  Speaker 2: money out, so I had to go to Walgreens and
• 8:48
  Speaker 2: write aid to use my care credit card to buy bread,
• 8:51
  Speaker 2: to buy milk. This is the guys, This is twenty sixteen, seventeen.
• 8:55
  Speaker 2: This ain't eight ten years ago. This was but this
• 8:58
  Speaker 2: all leads up to the park. Guys. You might have
• 9:00
  Speaker 2: to not go to a party. You guys might not
• 9:03
  Speaker 2: have to go to a club. You guys might have
• 9:05
  Speaker 2: to skip out on two or three years of gifts
• 9:08
  Speaker 2: to your family, like I used to buy gifts on
• 9:10
  Speaker 2: finger Hut from my family. You know what I mean,
• 9:13
  Speaker 2: finger Hut. You know what I mean. So you guys
• 9:16
  Speaker 2: might have to go through things in order to get
• 9:20
  Speaker 2: to year one. Forget about year twelve. Why you're worrying
• 9:23
  Speaker 2: about why you want Why you wanted about retiring your
• 9:25
  Speaker 2: mom and your wife and all this, and now you
• 9:26
  Speaker 2: can't even retire yourselfiet you know what I mean. You
• 9:28
  Speaker 2: see what I'm saying. You're worrying about retiring people and
• 9:31
  Speaker 2: having this vision over here when you haven't even let
• 9:34
  Speaker 2: go of the people that are preventing you from being great.
• 9:37
  Speaker 2: Like my model, guys, is I have Life is good
• 9:39
  Speaker 2: on my tax I have. Life is good. I got
• 9:41
  Speaker 2: it for a reason, right, Life is good. So remember
• 9:44
  Speaker 2: to always be great. Like that's if you think about
• 9:47
  Speaker 2: that every day. Life is great? All right? Who cares
• 9:50
  Speaker 2: if I got this problem? Life is great, Life is good.
• 9:52
  Speaker 2: Be great, Always speak about stuff. You don't need to
• 9:55
  Speaker 2: be cocky, you don't need to be conceited. You don't
• 9:57
  Speaker 2: need to be that person that's flashy, like I don't
• 9:59
  Speaker 2: wear like guys. I have a jewels I don't ever
• 10:01
  Speaker 2: wear it. I forget to wear my wedding room Sometimes
• 10:04
  Speaker 2: my wife wants to beat me up. I just not
• 10:05
  Speaker 2: the type of guy to wear a jewelry. You know
• 10:07
  Speaker 2: what I mean? Yeah? Be great. Being great does not
• 10:10
  Speaker 2: mean showing that you have more than other people. It
• 10:13
  Speaker 2: means being great because you know what you standing in line.
• 10:16
  Speaker 2: You might not know.
• 10:17
  Speaker 3: That's the mayor of Atlantic City, that's the mayor of
• 10:20
  Speaker 3: New York. That's the president of a bank. That is
• 10:23
  Speaker 3: the one person you need that's gonna get you through
• 10:25
  Speaker 3: the day because you just lost eight thousand clients. I've
• 10:29
  Speaker 3: had five five employees where they took two three thousand clients.
• 10:32
  Speaker 2: You know what I'm saying. What I'm saying, So, guys,
• 10:35
  Speaker 2: if you can do Turo bakery business like, you know,
• 10:38
  Speaker 2: remove Turo and Airbnb because obviously a lot of people
• 10:41
  Speaker 2: think that Turo and Airbnb are one of the only
• 10:43
  Speaker 2: ways that can really make money. I have a personal
• 10:45
  Speaker 2: friend of mine, I grew up with her. Guys, she
• 10:47
  Speaker 2: owns a bakery company. Look her up Pretty Pops by
• 10:50
  Speaker 2: Jackie on Instagram. She left for nine to five. She
• 10:53
  Speaker 2: has three kids, and she has an amazing bakery business.
• 10:57
  Speaker 2: She was one of my first clients. She's getting approof
• 10:59
  Speaker 2: of credit left them right. She's like, oh my god,
• 11:01
  Speaker 2: I can't believe it. She started like a few years
• 11:04
  Speaker 2: after me, and she's like, I'm so glad I didn't
• 11:06
  Speaker 2: give up. I'm so glad you told me to stay,
• 11:09
  Speaker 2: tried to stand, you know. And now she's she's booked
• 11:12
  Speaker 2: out until April. It's February. She's booked out until April
• 11:16
  Speaker 2: with orders for for like what is it, the March,
• 11:21
  Speaker 2: marchild baby, Saint Patrick's Day, Valentine's Day, you know what
• 11:24
  Speaker 2: I mean? Like Easter, your Easter too, Like she's booked out,
• 11:27
  Speaker 2: but she didn't quit. A lot of people would have said, man,
• 11:30
  Speaker 2: this is hard. You know what, I'm just gonna give
• 11:32
  Speaker 2: up and go back. Like, guys, you I would be
• 11:34
  Speaker 2: the worst. I would be your worst employee. And that's
• 11:37
  Speaker 2: what you got. And that's what I'm before I get
• 11:38
  Speaker 2: into my speech today. And you you have to make
• 11:41
  Speaker 2: it to where you would be the worst employee for
• 11:43
  Speaker 2: a company, right, you have to make yourself unemployable. You
• 11:47
  Speaker 2: gotta work the fifteen sixteen seventeen eighteen hours a day.
• 11:50
  Speaker 2: An employer's even be like, yoh man, you're working too
• 11:52
  Speaker 2: much overtime. I gotta let you go. You're costing me
• 11:53
  Speaker 2: too much money. But make that yourself. You know what
• 11:56
  Speaker 2: I mean. I would rather work eighty nineties dred hours
• 12:00
  Speaker 2: a week than to work for the government. Again. I
• 12:02
  Speaker 2: know what it's like being ONNED. I know what it's
• 12:04
  Speaker 2: like being in prison. I know what it's like being
• 12:05
  Speaker 2: on by the military, and I know what it's like
• 12:07
  Speaker 2: being on by the government. Because it's two different things,
• 12:09
  Speaker 2: you know. I mean, you have the military, yet that
• 12:10
  Speaker 2: I used to work for the government as well. You
• 12:12
  Speaker 2: have to realize, guys, get yourself to a point where
• 12:15
  Speaker 2: you are unemployable, and that is how you know you
• 12:18
  Speaker 2: will never fail at what you do.
• 12:21
  Speaker 1: You just realized your business needed to hire someone yesterday.
• 12:25
  Speaker 1: How can you find amazing candidates fast? Easy? Just use Indeed.
• 12:30
  Speaker 1: Stop struggling to get your job posts seen on other
• 12:33
  Speaker 1: job sites. With indeed sponsored jobs, your post jumps to
• 12:37
  Speaker 1: the top of the page for your relevant candidates, so
• 12:39
  Speaker 1: you can reach the people you want faster. According to
• 12:42
  Speaker 1: Indeed data, sponsored jobs posted directly on Indeed have forty
• 12:46
  Speaker 1: five percent more applications than non sponsored jobs. Don't wait
• 12:50
  Speaker 1: any longer. Speed up your hiring right now with Indeed,
• 12:54
  Speaker 1: and listeners of this show will get a seventy five
• 12:56
  Speaker 1: dollars sponsored job credit to get your jobs more visibility
• 13:00
  Speaker 1: at indeed dot com slash p O d k A
• 13:03
  Speaker 1: t z thirteen. Just go to indeed dot com slash
• 13:07
  Speaker 1: p O d k A t z thirteen right now
• 13:11
  Speaker 1: and support our show by saying you heard about Indeed
• 13:13
  Speaker 1: on this podcast. Terms and conditions apply. Hiring Indeed is
• 13:18
  Speaker 1: all you need