Fresh & Fit - 5 Steps To Budget For Your Financial Success

00:03:23.000 What's up guys?

00:03:23.000 And we are live.

00:03:24.000 Welcome to the Fresh Air Podcast, man.

00:03:25.000 It's Money Monday.

00:03:26.000 We're going to talk about budgeting.

00:03:27.000 This is going to be one of the most important episodes.

00:03:29.000 Let's get into it.

00:03:29.000 Let's go!

00:04:19.000 All right.

00:04:20.000 Yo, what's up, guys?

00:04:21.000 Welcome to the Freshman Podcast, man.

00:04:22.000 It is Money Monday today, guys.

00:04:24.000 We got a very important episode today.

00:04:26.000 This is going to be one of those, what I call, an evergreen episode that you're going to keep in the back, and you're going to watch it later on, or you can send it to someone that needs help with this, but this is going to be a very important episode that you can use for the rest of your life.

00:04:38.000 But before we get into it- The foundation that you need for success financially.

00:04:42.000 Absolutely, man.

00:04:42.000 Everyone needs this, at least, at the very beginning.

00:04:44.000 Number one.

00:04:45.000 Guys, rumble.com slash fresherfit.

00:04:47.000 I know there's been...

00:04:48.000 They're under attack.

00:04:49.000 Yeah, they're under attack right now.

00:04:51.000 I know that the app has been down a little bit, I think, since maybe this afternoon.

00:04:55.000 This weekend.

00:04:56.000 Yeah.

00:04:57.000 But I don't know.

00:04:58.000 Is it back up fully now?

00:04:59.000 Some people have it, some people don't.

00:05:01.000 But it should be back up soon for everybody.

00:05:03.000 Oh, we got 2K watching on Rumble, so it looks like they fixed it already.

00:05:05.000 There you go.

00:05:05.000 Alright, so there was something earlier today, guys, where there was like a little bug and it was like kind of temporarily slowing down and stuff like that.

00:05:13.000 It should be good now.

00:05:14.000 Hey man, Frosch saved Rumble.

00:05:16.000 Yeah, but you know...

00:05:18.000 You guys gotta understand, bro, so it's very expensive and difficult and demanding to be running a video streaming slash website, something like YouTube, similar to YouTube, and Rumble is obviously in early stages, so there are gonna be bugs here and there,

00:05:34.000 but the good thing about it is that they correct things very quickly and fix things, so it's the future, bro.

00:05:40.000 It is gonna be the future, guys.

00:05:42.000 As you guys know, they just unbanned Alex Jones on X. There you go.

00:05:47.000 You know what I'm saying?

00:05:48.000 Like, yo.

00:05:50.000 The conspiracy theorist God, bro.

00:05:53.000 And this is a huge win for guys like us on this side of the internet where we're constantly being suppressed.

00:06:01.000 We're constantly being told, hey, you can't be saying this and that.

00:06:04.000 And we challenge the mainstream narrative.

00:06:07.000 And Rumble, guys, Rumble and X really are the two platforms where...

00:06:12.000 Free speech is available.

00:06:13.000 You know what I mean?

00:06:13.000 These other platforms don't allow for it, man.

00:06:16.000 So you guys gotta support Rumble, bro.

00:06:18.000 You just have to.

00:06:19.000 Because if you don't, guys like us, guys like Alex Jones, guys like Andrew Tate, guys like Sneeko, Steven Crowder, Fuentes, everybody that makes this content that's controversial, right?

00:06:32.000 I mean, if you look at it...

00:06:33.000 You can only really find us on X and Rumble.

00:06:35.000 We're fighting countries, governments, and business people that don't want to see us or our content out there.

00:06:41.000 Yeah.

00:06:41.000 It's affecting everything that you can do.

00:06:43.000 And even X, bro.

00:06:44.000 I think X is great, but to be honest, bro, X is really a way to keep your thoughts and your ideas in check and keep data as well.

00:06:52.000 So I'm kind of worried about X. Rumble for sure is safe, but X, I don't know, man.

00:06:56.000 I mean, bro, once I saw that they brought Jones back, I was like, okay.

00:06:59.000 But think about it.

00:07:00.000 All your tweets are there to stay.

00:07:02.000 Yeah.

00:07:03.000 And can be against you anytime in the future.

00:07:04.000 Of course.

00:07:05.000 Of course.

00:07:05.000 And they always do.

00:07:07.000 And it always is like 10 years later, too.

00:07:08.000 Yeah.

00:07:09.000 But thankfully, you know, now it's being run by someone that actually does believe in free speech.

00:07:14.000 And, you know, it's a big W against the Matrix, man.

00:07:18.000 But the thing is, though, this is why y'all got to support Rumble, right?

00:07:22.000 When I tell you guys, yo, subscribe to Rumble, that's not for us to make money.

00:07:25.000 That's for Rumble, guys.

00:07:26.000 Because at the end of the day...

00:07:27.000 To run a streaming service like this, it's expensive.

00:07:30.000 It's not cheap.

00:07:32.000 It's not easy.

00:07:33.000 People are constantly going to come at you.

00:07:35.000 People are going to try to destroy you.

00:07:38.000 Andrew said something really smart yesterday.

00:07:40.000 They did a stream together, and he was saying that your ability to speak is heavily weighed against your influence.

00:07:47.000 In other words, the more influence you have, the less you can speak.

00:07:50.000 You know what I mean?

00:07:51.000 In a perfect example of this, I love him, but I just got to keep it 1,000.

00:07:54.000 Did you see The Rock's interview with Joe Rogan?

00:07:56.000 No.

00:07:56.000 Okay, so The Rock did an interview with Joe Rogan.

00:07:59.000 Joe Rogan talked more than him.

00:08:01.000 He barely said anything.

00:08:02.000 Why is that?

00:08:03.000 Well, it's because The Rock is a top-tier actor, doesn't want to lose roles, kept silent on certain conflicts, kept silent on certain takes, can't really give a take, because for him to keep getting certain movie roles and be the level he's at in Hollywood...

00:08:21.000 He can't take a stance on anything, right?

00:08:23.000 Another example, Drake and DJ Khaled.

00:08:26.000 The whole war on these two countries, they can't because they say anything at all.

00:08:31.000 I think Drake made one comment.

00:08:33.000 Somewhat.

00:08:34.000 Somewhat. 0.99

00:08:34.000 Yeah, but in general, Khaled didn't say nothing, which fucking, bro. 0.99

00:08:38.000 That's crazy, bro. 0.99

00:08:39.000 Hurrah!

00:08:39.000 That's your country, bro.

00:08:40.000 That's your country.

00:08:40.000 Yeah, bro.

00:08:41.000 This nigga's stupid, man. 1.00

00:08:42.000 You know what I mean? 1.00

00:08:44.000 God did!

00:08:45.000 Yeah, bro.

00:08:47.000 But hold on.

00:08:47.000 What did you do?

00:08:48.000 Nothing.

00:08:49.000 Yeah.

00:08:49.000 So I don't know, man.

00:08:50.000 It's crazy, man.

00:08:51.000 As a fellow Arab, he should know better, man. 1.00

00:08:53.000 What the fuck's wrong with that nigga, man? 1.00

00:08:54.000 But anyway... 1.00

00:08:57.000 Long story short though, in any case, the more influence you have, the less you can speak on certain topics.

00:09:02.000 Absolutely, man. 1.00

00:09:03.000 So X and Rumble are the pioneers for that shit, man. 0.99

00:09:07.000 That's why we support Rumble so hard because we know that's the future. 0.99

00:09:09.000 It's about to be an election year, which means the censorship is going to be even stronger.

00:09:12.000 You know what I mean?

00:09:14.000 So that's where we really got to join in and find support, man.

00:09:19.000 So guys, hit that subscribe button for Rumble, man.

00:09:21.000 CastleClub.tv, like I said, it's all to keep.

00:09:36.000 We're good to go.

00:09:45.000 You know what I mean?

00:09:46.000 They write an article on you, next thing you know, ads again, poll, then that's how you get canceled.

00:09:49.000 They're being funded by certain groups that should not be named on this podcast, but with the funding, man, you can do whatever you want, pretty much.

00:09:56.000 So, yeah, man.

00:09:57.000 Shout out to them, man. 1.00

00:09:59.000 It's crazy, because if this happened two years ago, this shit wasn't around. 1.00

00:10:02.000 Isn't that wild? 1.00

00:10:05.000 It's a world, man.

00:10:05.000 Yo.

00:10:06.000 The world's ending.

00:10:06.000 Yeah, dude.

00:10:07.000 It's wild, man.

00:10:08.000 So shout out to these guys running free speech.

00:10:11.000 But that was a huge W with Lant and Alex Jones back on.

00:10:15.000 Let's see here.

00:10:16.000 I'm going to try to get him on the pod for y'all, man.

00:10:17.000 Don't worry.

00:10:18.000 I'm in contact with his people.

00:10:19.000 We just got to make it happen.

00:10:20.000 I've spoke with him before.

00:10:21.000 He said he's going to do it.

00:10:22.000 He's 100% down to do Fresh and Fit.

00:10:24.000 It's just we got to find a timing and make it happen.

00:10:26.000 But we will get him on this podcast, guys.

00:10:28.000 Mark my words.

00:10:29.000 I will make sure that we get him on here.

00:10:30.000 And coming in January, we've got some big things coming for the podcast as well.

00:10:34.000 Yes!

00:10:35.000 In different countries.

00:10:35.000 Yes!

00:10:36.000 Yes, yes, yes.

00:10:37.000 We're probably going to do an international tour early next year, guys.

00:10:41.000 Should be fun.

00:10:42.000 We'll make the run.

00:10:43.000 We'll be out there in the UK and everything else like that.

00:10:45.000 Demand him.

00:10:46.000 We're due for another tour.

00:10:48.000 We haven't done a press run in a while, actually, to be honest with y'all.

00:10:50.000 We need to go to Poland, bro. 0.80

00:10:51.000 Poor us all.

00:10:52.000 Oh, yeah.

00:10:53.000 We didn't go last time.

00:10:53.000 Yeah, yeah, yeah.

00:10:54.000 Yeah, we're going to do a Europe tour for a while.

00:10:56.000 Chris said he's going to take us, but I don't think he can now.

00:10:59.000 Yeah, I don't think.

00:11:00.000 Not now.

00:11:01.000 I know they got recently, they can travel more in Romania, but I don't know if they could leave.

00:11:05.000 I don't think they could leave yet.

00:11:06.000 Yeah, probably not.

00:11:07.000 We'll see.

00:11:07.000 Yeah, but either way, guys, international tour coming in early next year, where we'll definitely be out here doing a couple interviews and everything else like that.

00:11:17.000 You know, if you guys got some British influencers y'all want us to jump on with, man, we'll make some contacts.

00:11:21.000 You know where we haven't been to yet that's really good that we need to go to?

00:11:24.000 Canada, bro.

00:11:26.000 We got a lot of supporters there.

00:11:27.000 A lot of people there that actually support us.

00:11:30.000 So I think a good tour.

00:11:31.000 Yeah, we need to go to Canada, too.

00:11:33.000 Toronto.

00:11:34.000 We got so many supporters in Canada, man.

00:11:37.000 I was shocked, bro. 0.98

00:11:39.000 The only thing that sucks about Canada, bro, is like... 0.98

00:11:41.000 Yeah, the country itself, I don't know, bro. 0.97

00:11:42.000 Y'all are on the verge of communism up there, man.

00:11:44.000 All my Canadian guys? 0.99

00:11:45.000 God damn, I feel sorry for y'all, bro. 1.00

00:11:47.000 Like, Trudeau is fucking clueless, man. 1.00

00:11:49.000 Yeah, it's funny. 1.00

00:11:50.000 Canadians that come to...

00:11:50.000 Well, Biden is too.

00:11:51.000 So, we're both taking notes.

00:11:54.000 Canadians that come to Miami are very late. 0.83

00:11:55.000 Yo, I'm staying in Miami. 0.99

00:11:56.000 I hate Canada. 0.70

00:11:57.000 I'm like, that's crazy. 0.99

00:11:58.000 I mean, Rumble is Canadian. 0.99

00:12:01.000 Isn't that fucking wild? 0.99

00:12:03.000 Canadians are the ones fighting for free speech, not even Americans, bro. 1.00

00:12:07.000 Like, goddamn, man! 0.99

00:12:08.000 Well, certain ones. 1.00

00:12:09.000 Yeah, well...

00:12:10.000 The ones that are cool.

00:12:12.000 Yeah, yeah, yeah.

00:12:13.000 You got what I'm saying, though.

00:12:14.000 But it's crazy, though, that it's like Rumble is a Canadian company fighting for free speech, which is like an American thing.

00:12:20.000 Yo, the stuff for the truckers is really bad, though.

00:12:22.000 That was terrible, bro.

00:12:23.000 That's a foresight, though, for what's coming. 1.00

00:12:25.000 Fucking crazy, bro. 0.96

00:12:26.000 But yeah, I just wanted to give a huge shout-out and thanks to Elon Musk, Chris, Rumble, everyone that's really pushing for free speech, regardless of how they feel. 0.99

00:12:36.000 You know what I mean?

00:12:37.000 I think a big thing is being able to platform and have people on that you don't agree with and still showing that respect.

00:12:44.000 As you guys know, last week, we had a discussion about Destiny, right?

00:12:49.000 And shout out to Destiny, man.

00:12:50.000 Like, he made a video.

00:12:52.000 He was saying, hey, you know, Myron was class act.

00:12:54.000 He was respectful in his comments.

00:12:55.000 And like, yeah, bro, I'm not going to kick Destiny while he's down.

00:12:57.000 Like, obviously, we can learn a lot from his situation. 0.99

00:13:00.000 But at the end of the day, I'm not going to be like, ha ha, look at this shit. 0.99

00:13:03.000 And try to... 1.00

00:13:04.000 Like, bring him down even more so.

00:13:06.000 Like, yo, divorce is never fun.

00:13:07.000 It's never good.

00:13:08.000 I mean, he's another man that's going through it.

00:13:10.000 We talk about the divorce machine. 0.97

00:13:11.000 How the fuck are we gonna sit here and say, yo, we try to help guys out, especially when it comes to the divorce machine, then laugh at someone that's going through it. 0.99

00:13:16.000 How the fuck would we look? 0.98

00:13:17.000 You know, I think there's lessons to be learned, but the last thing I'm gonna do is kick someone there down, especially someone that I've worked with before, someone that I have professional respect for, someone who I think is intelligent, good person. 1.00

00:13:26.000 I'm not gonna fuck shit on them. 0.98

00:13:27.000 And that's a perfect example of someone that I disagree with on almost everything. 1.00

00:13:32.000 However, His ability to say what he wants to say and what he views, that needs to be protected.

00:13:37.000 He needs to be able to say his viewpoints regardless of how I feel about it.

00:13:40.000 And I think that's very important.

00:13:41.000 People need to be able to be mature to have these conversations with people that they might not necessarily agree with or they might not even like.

00:13:49.000 Because that's the beauty of free speech.

00:13:52.000 Hear another perspective.

00:13:53.000 You don't have to agree with it, but you need to protect their ability to say it.

00:13:56.000 Yeah, I mean, unless it's the Ops, we're gonna laugh at you, though.

00:13:59.000 Yeah, yeah, yeah.

00:14:00.000 If it's a real Ops, we're gonna laugh at you. 1.00

00:14:01.000 Yeah, if it's a real Ops, yeah, fuck you. 1.00

00:14:02.000 We're about to roast you, but dang it, it's okay. 1.00

00:14:04.000 We like Destiny, man. 0.54

00:14:05.000 Like I said before, that's a perfect example of someone that I have an enormous amount of respect for, even though I don't agree with him on, like, anything.

00:14:10.000 But he's a good guy, I think he's smart, and you can always respect intelligence.

00:14:15.000 I will say this, Destiny is respectful.

00:14:17.000 We may not always agree, but he is respectful.

00:14:18.000 He's super respectful, man.

00:14:20.000 So we're not gonna kick that guy when he's down, man.

00:14:22.000 I wish him and Melina the best.

00:14:25.000 Okay, what's going on here?

00:14:27.000 Okay, so...

00:14:28.000 Guys, check me out on Twitter!

00:14:29.000 Speaking of Twitter, or X. Unplugged FitX over there, man.

00:14:33.000 I was tweeting.

00:14:33.000 I've been tweeting a storm!

00:14:34.000 God damn it! 0.99

00:14:35.000 I'd be going crazy on there. 0.99

00:14:36.000 Y'all want to see my opinions on certain takes, etc?

00:14:39.000 Go check me out over there on Unplugged FitX, man.

00:14:41.000 I did a whole, like, thing on if your girl does XYZ, she is a 304. 1.00

00:14:45.000 Ways for you to identify chicks that are 304s. 1.00

00:14:48.000 You know, I cover...

00:14:49.000 How dare you?

00:14:50.000 Geopolitics, certain conflicts, all that stuff is there, man.

00:14:53.000 You guys get to see another side that you might not necessarily see over here on YouTube.

00:14:56.000 So check me out over there, guys, on Twitter, man.

00:14:59.000 Yo, yo, okay.

00:15:00.000 Go back to this guy, Adam Lawley.

00:15:01.000 He says, versus giving U.S. financial budget tips when he leases $5,000 cars, it's an investing.

00:15:07.000 Bro, you don't know what I invest in, bro.

00:15:08.000 You have no idea.

00:15:09.000 I just don't post it for good reason.

00:15:11.000 Like, dude, you don't know what I invest in. 1.00

00:15:12.000 So if you say that, you're retarded, bro. 0.99

00:15:14.000 You don't know what I invest in at all. 0.98

00:15:15.000 I mean, I won't say it on camera, but like, I invest in many different things, so.

00:15:20.000 You're funny, bro.

00:15:20.000 Anyhow, guys.

00:15:21.000 Guys, not everyone's like me and is going to tell y'all what they invest in.

00:15:25.000 I'm transparent sometimes even to a fault.

00:15:27.000 Fresh has his stuff set up.

00:15:28.000 It's just that he's not going to share it with y'all because- I'm different.

00:15:31.000 He's different, bro.

00:15:32.000 And a lot of people will be hating.

00:15:33.000 So it's like, whatever.

00:15:34.000 For me, I'll share it because that's just the kind of person I am.

00:15:37.000 But everyone is different, bro.

00:15:39.000 A lot of people are very private about how they invest.

00:15:44.000 They don't want to give away their sauce.

00:15:45.000 Sorry, go ahead.

00:15:46.000 It's fine, though.

00:15:47.000 But yeah, guys.

00:15:48.000 Back to the old vlogs, man.

00:15:49.000 If you want to see more of my lifestyle, more of the fun stuff, go check it out.

00:15:53.000 You know, car show we did recently with Lambo Rao.

00:15:55.000 This is about a Senna.

00:15:56.000 The guy is like 22 years old, bro. 0.99

00:15:58.000 Killing it. 1.00

00:15:58.000 Shout out to him, man. 1.00

00:15:59.000 He's a stock trader.

00:16:00.000 Day trader.

00:16:02.000 Awesome guy as well.

00:16:03.000 And, you know, more people are successful hopping on the vlogs.

00:16:05.000 And, you know, fans, two supporters.

00:16:07.000 Shout out to them.

00:16:08.000 And then, last but not least, guys, SEO Network.

00:16:11.000 You want to add value, give value as well, meet people of higher status, even your peers as well that want to do better.

00:16:16.000 Tap into that.

00:16:17.000 We have guests from all around the world, millionaires, successful guests.

00:16:21.000 Tap into those Zoom calls.

00:16:22.000 Then as well, we have masterminds everywhere in the world.

00:16:24.000 We're going to do, I think, DR Next or Mexico.

00:16:27.000 So hop into that as well.

00:16:28.000 See you guys in there.

00:16:29.000 All right.

00:16:29.000 Cool.

00:16:30.000 All right, guys.

00:16:30.000 So today's episode, man, we're going to be talking about budgeting.

00:16:32.000 And I know that sounds crazy, like, oh, what do you mean budgeting, blah, blah, blah.

00:16:36.000 Though it sounds easy, so many people struggle with this, right?

00:16:39.000 I mean, at the end of the day, what does it come down to?

00:16:40.000 Spend less than you make, right?

00:16:41.000 However, a lot of people have difficulty with doing this.

00:16:44.000 So we're going to go ahead and give you guys some parameters to go by that will help this process even more so and keep you disciplined with spending money, guys.

00:16:52.000 Because if you don't learn this skill set, You're going to have a problem.

00:16:55.000 Because yeah, of course, you need to always make more money. 0.99

00:16:57.000 However, you need to also know how to budget money so that when you do make that more money, you don't do dumb shit. 0.96

00:17:02.000 I would argue that budgeting is one of the most important things you can do even at the very beginning of your journey. 0.96

00:17:09.000 Because ultimately, if you want to be successful, if you make money today and don't save it or invest it correctly, you lose it tomorrow.

00:17:16.000 That's going to be huge.

00:17:17.000 A little bit more transparency for y'all.

00:17:19.000 Yeah.

00:17:19.000 I have two tenants right now, all right?

00:17:21.000 Mm-hmm.

00:17:22.000 Both of them make over six figures per year.

00:17:24.000 Right? 1.00

00:17:24.000 However, they're always late for fucking rent. 1.00

00:17:27.000 Okay? 1.00

00:17:27.000 Why? 1.00

00:17:28.000 Because regardless of how much money you make, if you spend money like a moron, you're typically going to have financial problems. 0.97

00:17:35.000 Versus I have other tenants that make way less money, but they budget better, have better credit scores, and they pay their rent on time. 0.98

00:17:41.000 So...

00:17:42.000 Obviously, we always tell you guys on this podcast, yo, make more money, make more money, make more money. 0.99

00:17:46.000 However, if you make more money, but you still spend like an idiot, what ends up happening is you still live paycheck to paycheck.

00:17:52.000 A lot of people that make six figures a month live paycheck, sorry, six figures a year live paycheck to paycheck, and that's not what you want to do, guys. 1.00

00:17:59.000 It doesn't matter necessarily how much money you make if you spend money like an idiot. 0.98

00:18:01.000 So we're going to teach you a skill set here that will teach you how to budget money correctly regardless of how much you make. 1.00

00:18:07.000 And also, when you budget, it's not in your head, my friend.

00:18:09.000 It is on paper or app.

00:18:11.000 You can't do things in your head 24-7.

00:18:14.000 So you write it down or put it in an app.

00:18:16.000 All right.

00:18:16.000 Cool.

00:18:17.000 Speaking of which, so we're going to go on to the top five things you got to do.

00:18:19.000 Countdown.

00:18:22.000 So we're going to count this down from five, right?

00:18:25.000 Yeah.

00:18:25.000 From one to five.

00:18:26.000 One to five.

00:18:27.000 Okay.

00:18:27.000 In no particular order of importance?

00:18:29.000 No.

00:18:29.000 We can follow a little order here.

00:18:30.000 Okay, so the first thing you're gonna do, guys, is write down your monthly expenses, okay, and income side by side to have a visual representation.

00:18:40.000 Yeah.

00:18:41.000 This is critical, man.

00:18:42.000 Fresh, go ahead, you can take it first.

00:18:43.000 Yeah, this is something that I had an issue with because growing up, I didn't have a budget or anything.

00:18:49.000 I just kind of like, you know, made some money, spent it.

00:18:52.000 But when I did it on my own, it was kind of like, okay, now I'm by myself.

00:18:55.000 I got to figure out how to pay bills, survive, and eat food as well.

00:18:59.000 So for the most part, you're going to want to have an actual pen and paper, a notepad, and make two columns, one for expenses and one for income.

00:19:08.000 Now, for most people, you're going to have more of an issue because you're going to have to break down your everyday expenses and monthly.

00:19:16.000 But to keep it very, I want to say, short and brief, monthly expenses and then monthly income, right?

00:19:22.000 So let's say you're making like $3,000 a month and you have, for example, your rent, car, let's say miscellaneous, food, etc., right?

00:19:32.000 Put it down here, left column, and then your income here, right column.

00:19:36.000 Just breaking it down and then add it up.

00:19:39.000 So monthly income, 3K. Expenses, maybe like 2K. Then with the remainder, you put either an R and the actual amount, and then now you know what money you have every month coming in and what's left over when expenses are paid.

00:19:53.000 That's huge because most people, they just make money and spend it without knowing where it's going or what's happening.

00:19:58.000 And as a result, they can't plan for the future or save money.

00:20:01.000 And actually, there's an article I have in the chat, guys, if you don't remember bringing it up, where most Americans are living paycheck to paycheck.

00:20:07.000 Yes.

00:20:08.000 I think it's 64%.

00:20:09.000 Is that right, Bills or Moe?

00:20:11.000 64%?

00:20:13.000 Pull it up real fast.

00:20:13.000 Yeah.

00:20:14.000 That's a stat that's really crazy, bro.

00:20:15.000 Yeah, even people that make six figures.

00:20:17.000 I'm telling y'all, man, making more money a lot of times doesn't save you. 1.00

00:20:20.000 You've got these two idiotic tenants. 1.00

00:20:21.000 If you can't see it visually, you don't know how you're going to manage it. 1.00

00:20:24.000 How can you manage what you can't see?

00:20:26.000 So that's huge, by the way.

00:20:27.000 Yeah, 64%.

00:20:28.000 Yeah, can you bring it up?

00:20:29.000 Yeah, I'm bringing it up right now.

00:20:30.000 Yeah, that's huge, by the way.

00:20:31.000 So yeah, that's your first step.

00:20:33.000 To write it down, break it down from expenses to actually income, and see the difference between that disparity.

00:20:38.000 And the other reason, too, guys, why it's important is that sometimes you have to take deliberate, overt steps sometimes to solve a problem, right?

00:20:45.000 Like, if you know, alright, I need a budget better, etc.

00:20:48.000 Like, if you just sit there and kind of calculate it in your head, you're going to be like, blah, blah, blah, blah, or you try to do it like an app, but if you sit down and you actually put pen to paper and you do it, There's something about that that just makes it more official.

00:20:59.000 It makes it more like, okay, I'm really out here trying to do it.

00:21:03.000 Because when you take deliberate steps to change, like pulling out a fucking pen and paper and writing it down, more than likely that's gonna go ahead and fuel your decisions after the fact to make something happen. 0.63

00:21:13.000 And it shows an actual effort. 0.94

00:21:17.000 Now that segues perfectly into the second thing.

00:21:20.000 Right?

00:21:22.000 So, writing it down is one thing, and I think that's the best way you can do it, from my opinion.

00:21:27.000 But, if you're more relaxed, you're more new age, there's apps you can use as well.

00:21:31.000 Yeah.

00:21:32.000 Is it Mint?

00:21:33.000 Yeah, Mint helps with that.

00:21:35.000 Different apps you can use to get that budget down packed.

00:21:37.000 But nothing beats writing it down, dude.

00:21:40.000 Writing down your goals, your income, your expenses, your budget is huge, my friend.

00:21:44.000 It's huge.

00:21:45.000 I think you should also have Mint as well, which is a great app to kind of see money coming in and out.

00:21:50.000 But there's just something about putting it down pen to paper with two columns that is just going to set you up.

00:21:56.000 I'd say start with writing it down and then go ahead and get the app as well.

00:21:59.000 Yo, dude, legit bro, I spent literally day after day writing down my goals and my budget back to back.

00:22:07.000 So by the time, like two months, three months passed, it was already in my head.

00:22:10.000 I already knew the numbers, I didn't know how much I could spend, what I can't spend, what I could spend.

00:22:14.000 And it's funny because when I first came to America, I didn't know about tolls.

00:22:18.000 So imagine, right, driving down the toll roads every day from Pema Pines to Boca Raton taking tolls.

00:22:25.000 Then the bill comes at the end of the month. 0.99

00:22:26.000 I'm like, damn. 0.98

00:22:27.000 How can I pay this? 0.99

00:22:28.000 But luckily, I had a budget.

00:22:30.000 So the money I saved up, I put into paying tolls.

00:22:32.000 If not, that would have went from rent to tolls.

00:22:35.000 And that's a sneaky thing that might come up that you might not even notice.

00:22:38.000 You gotta be able to do that.

00:22:38.000 You wouldn't even know.

00:22:40.000 And actually, that segues perfectly, guys.

00:22:41.000 So the reason why you write it down, right?

00:22:43.000 This segues into number two, right?

00:22:46.000 Which is...

00:22:47.000 Hold on.

00:22:49.000 Round two.

00:22:51.000 Fight.

00:22:52.000 Fight.

00:22:53.000 It's going to give you a visual representation of what's going on, right?

00:22:56.000 I've always said when it comes to fitness, when it comes to budgeting, making money, whatever it is, what gets measured gets managed, right?

00:23:02.000 So if I told you, yo, I want you to drive to Alabama, but you've never driven to Alabama before, what's the first thing you're going to do when you get in the car?

00:23:09.000 You're going to put it in your GPS, right?

00:23:12.000 Because...

00:23:13.000 The GPS is going to tell you how to get there.

00:23:15.000 Same exact situation with money.

00:23:17.000 If you want to save more money and be better with your spending, you need a guide to do so.

00:23:22.000 And the only way that you're going to have that guide is if you actually know what the hell is going on.

00:23:26.000 You need a visual representation of what's going on.

00:23:28.000 What gets measured?

00:23:30.000 What's measured can be managed.

00:23:31.000 So as soon as you have that... 0.84

00:23:35.000 That list out of all your expenses, you could quickly be like, damn, wait, I spend this much on subscriptions? 1.00

00:23:41.000 Fuck this shit. 1.00

00:23:42.000 I'm not going to do this, right? 1.00

00:23:43.000 I know Rocket Money helps with that as well.

00:23:45.000 Mint, all these different apps. 0.97

00:23:46.000 But writing it out and actually seeing it visually, you're like, oh, damn, this is a lot of money. 0.85

00:23:50.000 And then you could go ahead and cut it out. 0.89

00:23:52.000 So it puts everything out there for you in perspective for you to actually look at it, see how much it costs you, see what it's costing you versus how much you're making.

00:23:59.000 And it'll give you... 0.99

00:24:01.000 You know, I mean, some people might say, damn man, that's so bleak, I don't want to see that shit. 1.00

00:24:05.000 Yo, you need to see that shit. 1.00

00:24:06.000 Especially if you're having financial and budget problems, you need to look at exactly where your money's going out. 1.00

00:24:10.000 And you're going to be shocked sometimes when you write it back all out, what the hell you're spending money on.

00:24:14.000 And you'll be able to identify a lot of situations where it's just a money dump. 1.00

00:24:18.000 Like you're just draining money on some stupid shit that you don't even use anymore. 1.00

00:24:21.000 You know what's funny about what we just said earlier? 1.00

00:24:22.000 Yeah.

00:24:23.000 Most people would rather not know how much they're actually making and having after their expenses and just wing it.

00:24:30.000 A lot of these niggas are Mario Winans with their money. 1.00

00:24:31.000 Yeah!

00:24:32.000 Hold on! 0.98

00:24:32.000 I don't wanna know! 0.98

00:24:34.000 But who is the main culprit?

00:24:35.000 Girls, bro.

00:24:36.000 They literally go to work.

00:24:36.000 Yeah.

00:24:39.000 Buy makeup, dress up, buy random shit in the mall, and then say, damn, why am I broke? 0.99

00:24:45.000 But then they go to the club, get drinks paid for, but you know what? 0.99

00:24:48.000 I'm living life, partying, having fun, and then they're broke as hell! 1.00

00:24:51.000 And you're up there kissing their asses, like, bro, come on, man. 0.99

00:24:54.000 But listen, though, it's real. 0.99

00:24:55.000 If you don't know what you're spending...

00:24:57.000 How can you manage it?

00:24:58.000 You can't manage it.

00:24:58.000 You have to measure it to get it managed.

00:25:00.000 You got to get in the Jeep.

00:25:01.000 That's like driving to Alabama without a GPS. What the fuck? 1.00

00:25:05.000 Nigga, you got to be somewhere in the middle of nowhere. 1.00

00:25:08.000 The next thing you know, some dudes with a white hood show up. 0.99

00:25:10.000 You're like, oh shit, I'm in the wrong place. 1.00

00:25:11.000 Because you took the wrong road because you didn't know where the fuck you were going. 1.00

00:25:15.000 But if you had a GPS, you had a map, you would have been able to get there quickly. 0.99

00:25:18.000 Now, with that said...

00:25:20.000 Can you still get to your destination of Alabama without the GPS? Of course you can, but guess what's going to happen?

00:25:24.000 It's probably going to take you longer.

00:25:25.000 You're going to waste a bunch of gas.

00:25:27.000 You're going to have a headache.

00:25:28.000 You might break down your car in the middle of the situation.

00:25:31.000 Anytime you're going on a journey and going somewhere you've never been before, guys, if you don't have a roadmap to get there, you're going to pretty much increase the difficulty of that journey significantly, the time, the duration, the stress, etc.

00:25:43.000 And then who knows? 1.00

00:25:44.000 During the trip, you might say, fuck this shit. 1.00

00:25:45.000 I don't want to do this anymore. 1.00

00:25:48.000 If you go ahead and you have everything written out, you now have a game plan and you have a strategy to get from point A to point B as quickly and as efficiently as possible.

00:25:56.000 Same thing with fitness.

00:25:57.000 If you guys want to lose weight, you've got to track your calories.

00:25:59.000 Mo's been tracking his calories.

00:26:00.000 We've been cutting his macros down every...

00:26:03.000 A few weeks, right, so that he continuously loses weight, right?

00:26:06.000 Some of y'all, oh, lose it way too slow, blah, blah, blah.

00:26:08.000 Well, the reason for that, guys, is that number one, so he doesn't get saggy skin.

00:26:11.000 Number two, so that it's sustainable. 0.99

00:26:12.000 So number three, he can hit that goal and stay at that fucking goal. 0.99

00:26:15.000 Same thing with budgeting. 0.98

00:26:16.000 You need to have a visual representation.

00:26:18.000 You need to have that game plan, that GPS, et cetera, to get to your destination efficiently, in the best way you can, in a sustainable manner.

00:26:25.000 Same thing with budgeting, guys.

00:26:28.000 Now, some people may say, bro, this is too much work.

00:26:31.000 I don't want to look at numbers.

00:26:33.000 But I'll tell you this.

00:26:34.000 You want to be successful?

00:26:36.000 If you can't manage your money when it gets big.

00:26:40.000 Sorry, when it's small, imagine when it gets big.

00:26:43.000 Like with my tennis, they have shitty credit scores. 0.99

00:26:45.000 They make more money, but they still don't pay fucking rent on time. 1.00

00:26:48.000 They're idiots. 1.00

00:26:49.000 I know guys that do their whole budgeting system on Excel Spreadsheet. 1.00

00:26:53.000 Now, I'm not going to lie.

00:26:55.000 That's too much for me.

00:26:56.000 But they're so concerned about their budget and how they spend their money. 1.00

00:26:59.000 They're going to take a computer, Microsoft Excel, and they live by that shit. 0.99

00:27:03.000 Yeah, and they put a formula in there. 0.99

00:27:04.000 And it does everything for them and tallies it up.

00:27:06.000 But the problem is, guys, I get it.

00:27:09.000 We're good to go.

00:27:31.000 My expenses are so low, bro.

00:27:33.000 I could buy 20 more cars, bro.

00:27:35.000 I'll be fine.

00:27:36.000 But it's because I budget my money.

00:27:38.000 Now, obviously, I don't show you my investments because I think that's none of your business.

00:27:41.000 But when I budget my money, I put it towards, obviously, savings, investments.

00:27:46.000 And then when it's done, I'll buy my toys because I know I budgeted money correctly.

00:27:50.000 But mind you, I budgeted a little bit of money at the very beginning, so I understand the fundamentals.

00:27:55.000 But imagine, let's say you win the lotto, right?

00:27:58.000 Let's say you never budgeted money before, never had it before, you win the lotto.

00:28:02.000 What happens to most winners?

00:28:03.000 They get the money, they spend it right away.

00:28:05.000 With any inclination on how to actually save the money and invest it.

00:28:08.000 Versus at the very beginning, you budgeted it at the very beginning of your journey. 1.00

00:28:22.000 Making more money with an idiotic mindset is still going to leave you broke. 1.00

00:28:26.000 Yeah. 1.00

00:28:27.000 Because if you have a spending problem, if you have a budgeting problem, all that's going to happen is your spending now is going to be more sensationalized. 0.99

00:28:35.000 You're going to buy all the dumb shit that you couldn't afford before. 0.97

00:28:38.000 Making more money a lot of the times doesn't help if you have a broken mindset when it comes to saving and budgeting correctly and knowing how to deal with your money. 0.99

00:28:45.000 So this is a skill set, guys, that you need to learn Early, when you're a brokie, so that when you become more successful and you make money, you're able to keep more of your money that you make, guys. 0.98

00:28:54.000 This isn't about just making more money.

00:28:56.000 It's about keeping the money that you work so hard to make in the first place.

00:29:01.000 I wish when I was 18 years old, I had this.

00:29:04.000 At 18, bro, or 16 years old, being this aware at the budget of money from the very beginning is huge, bro.

00:29:10.000 Yeah, man.

00:29:11.000 You start earlier, bro.

00:29:12.000 Dude, I'm telling you, when you get more money, better position, more paycheck, you're gonna be glad because now, the more money you make, you get your expenses low, and you make more money, so now what you can do is invest.

00:29:23.000 Yeah.

00:29:24.000 So, I pay off debt too, by the way. 0.99

00:29:25.000 Yeah, especially you guys that like to have experiences and spend money, you definitely have to do this shit, right? 0.91

00:29:29.000 Like, some of us, right, we're just like, we just have low spenders, so it's, we're just, like, for example, me, right? 0.97

00:29:34.000 Luckily for me, I spend so little that...

00:29:37.000 You're better than me, bro.

00:29:38.000 Yeah, I've never had to worry about writing it down and putting it all down, blah, blah, blah.

00:29:42.000 I use Mint, and it helps me, but my expenses are so goddamn low, they've always been low, so I've never had that issue because I don't wear designer or anything else like that.

00:29:49.000 The only thing I really spend money on is eating out.

00:29:52.000 But a lot of you guys like to have certain experiences, like to go on vacation, like to go out, do things, cool, totally fine.

00:29:58.000 Make sure that you write it down, though. 0.94

00:29:59.000 Make sure you track what the fuck you're doing, because you just gotta make one bad purchase, and that could fuck up everything, bro. 0.99

00:30:08.000 Or lose your job. 0.99

00:30:09.000 Or lose your job.

00:30:10.000 That could fuck up everything.

00:30:12.000 If you're one of these people that's like, hey, I want to live my life.

00:30:15.000 I make this amount of money.

00:30:17.000 I want to live my life. 0.97

00:30:17.000 I want to be able to do vacations and all this shit. 0.97

00:30:19.000 I'm not telling you not to do that, but what I am saying is that if you like to enjoy... 0.61

00:30:24.000 If you like things in life and you like to spend money and everything else like that, cool! 0.97

00:30:27.000 But you better fucking write it down. 0.97

00:30:30.000 Because I acknowledge that most people aren't hermits like me. 0.99

00:30:32.000 Sit inside, right?

00:30:33.000 And not spend money.

00:30:34.000 Minimalists.

00:30:34.000 Yeah, most people are not minimalist, which is fine.

00:30:37.000 So if you're not a minimalist, you need to write your shit down, man, and keep track of what the fuck's going on. 0.99

00:30:43.000 Alright? 0.99

00:30:44.000 Okay, so, chats, and then, or do you want to hit three?

00:30:47.000 Chats. 0.99

00:30:47.000 Okay, I'll read these chats real quick, and then we'll get right back to it. 0.99

00:30:50.000 Cool.

00:30:51.000 All Might.

00:30:52.000 That's from Anime Reference here.

00:30:54.000 He says, Shout to Mario and Luigi Tate for stealing the Saint of Sinners stuff and making their own podcast called Saint of Sinners, where I quit and did it first.

00:31:03.000 What?

00:31:05.000 What's he talking about?

00:31:07.000 Okay.

00:31:08.000 I don't know what the hell he's talking about, man.

00:31:10.000 BritishFellOff says, Yo, Myron, will you start a Twitter community?

00:31:14.000 And will you ever add a political show on FNF or another political channel?

00:31:18.000 Last year you can gain a lot of followers.

00:31:20.000 You are intelligent politically.

00:31:23.000 Don't let go to waste.

00:31:27.000 Mo, don't. 1.00

00:31:28.000 Shut up. 0.99

00:31:29.000 Yeah, I don't know, man. 0.99

00:31:31.000 I don't know.

00:31:32.000 I mean, we might have some stuff like that in 2024.

00:31:35.000 We just got to figure out how we're going to do it. 0.98

00:31:37.000 Probably going to have to be rumbling shit like that. 0.99

00:31:39.000 It's weird though, man, because I see other channels do certain things, but it seems to me like, bro, when we do shit, people, like, there's always a magnifying glass on us, man. 0.99

00:31:45.000 Yeah, we have the... 0.84

00:31:46.000 We don't get a lot of privileges of stuff done.

00:31:49.000 Yeah, because I've seen other people do shit that we've done, and we get penalized, and they don't...

00:31:53.000 We get punished for a lot of stuff. 1.00

00:31:54.000 It's fucking retarded, bro. 1.00

00:31:55.000 I'm not even going to go into that, but yeah, dude. 0.99

00:31:57.000 It's very clear that there's a double standard that other people get away with that we don't.

00:32:02.000 So it's like, bro. 0.87

00:32:03.000 Captain Times, on no weird shit, the first week I started watching FNF, I felt the same way as the first... 0.90

00:32:10.000 What? 0.97

00:32:11.000 Where are we at here?

00:32:12.000 Yeah.

00:32:13.000 As the first guy that followed Forrest Gump when he was running saying, here's a man that has his act together, blah, blah, blah, then said, I'll follow you where?

00:32:22.000 Anywhere, Mr.

00:32:22.000 Gump.

00:32:23.000 Oh, I appreciate that, man.

00:32:24.000 Thank you.

00:32:24.000 That's dope.

00:32:24.000 Yeah, man.

00:32:25.000 We try to help y'all, man.

00:32:27.000 T.D.J.D. goes, it's been about one year since I got out of a 13-year relationship.

00:32:34.000 I never check ex's socials, but I made the mistake and she has five months pregnant. 1.00

00:32:38.000 This hoe was probably talking to this new dude the whole time and my feelings say something smack me out of it. 1.00

00:32:43.000 Bro, good.

00:32:44.000 Good riddance.

00:32:45.000 Could you imagine if you stuck it out with her and then she had a kid and tried to put it on you?

00:32:49.000 Bro, you are blessed, bro.

00:32:50.000 You're blessed, man.

00:32:51.000 You should be happy that you know the truth.

00:32:53.000 Bro, the whole baby? 1.00

00:32:56.000 Imagine you stayed and then she's like, oh yeah, this is your kid and then you're dumbass in love. 1.00

00:33:00.000 Okay. 0.98

00:33:01.000 And then you raise it and realize it's not yours.

00:33:03.000 At that point, you need a big budget.

00:33:05.000 Yeah, man.

00:33:05.000 Holy.

00:33:06.000 So, bro, you should thank your lucky stars, man. 0.92

00:33:09.000 What the hell are you getting mad for, bro?

00:33:11.000 Don't get mad, get glad, man. 1.00

00:33:12.000 Not even on some sandwich shit, but yo, for real. 0.99

00:33:16.000 Dude. 0.99

00:33:17.000 Thank God, bro. 1.00

00:33:17.000 What the fuck is wrong with you, man? 1.00

00:33:18.000 Be happy, man. 1.00

00:33:19.000 That's literally a huge W for you.

00:33:21.000 Put a smile on my face, bro.

00:33:24.000 Chase7004 goes, fresh really a stand-up nigga. 1.00

00:33:27.000 Thanks again, gas money.

00:33:29.000 Okay.

00:33:29.000 No problem, man.

00:33:31.000 Oh, Chase from the car show.

00:33:33.000 Oh, okay.

00:33:34.000 Disney G, just got a new Capital One credit card, 1.5 cashback with a 10k limit.

00:33:39.000 Not a big spender, but really want to build my credit.

00:33:41.000 Any tips, Chris is bummed.

00:33:42.000 Bro, you could have got a credit card with 2%.

00:33:44.000 Bro, did you watch our credit card episode, man?

00:33:46.000 Yeah, bro, 2%.

00:33:47.000 Come on, man.

00:33:47.000 At least.

00:33:48.000 Yo, you should be getting 2% at least, bro.

00:33:49.000 Amex Blue Cash?

00:33:50.000 Yeah, man.

00:33:50.000 Or something.

00:33:51.000 Yo, yo, yo, man.

00:33:52.000 Come on, man.

00:33:53.000 Did you see our credit card episode?

00:33:54.000 We literally did a whole episode on cashback credit cards, man.

00:33:57.000 The good thing is, if you have Chase, maybe you could upgrade to a different card.

00:34:00.000 But yeah, bro, you could get way better cashback.

00:34:02.000 Unless it's one of those cards that gives 1.5% cashback and then it has other benefits.

00:34:08.000 But yeah, bro, if you want a strict...

00:34:10.000 Yeah, but maybe it's a base 1.5% and then if you spend in certain categories...

00:34:13.000 But we've always told y'all, like...

00:34:16.000 It's best a lot of times to just get a flat 2% cash back credit card.

00:34:20.000 Unless you actually spend a lot of money, let's say you drive a lot and you spend a lot of money on gas, and you know that that credit card rewards gas specifically.

00:34:28.000 I guess in that situation it could work.

00:34:29.000 I mean, I don't know all the information, but at least have one credit card that gives you a flat 2% cash back, guys.

00:34:36.000 Albo Ace, DJ Cowens is speaking up because we all know who his real boss is and higher ups.

00:34:40.000 Cha-ching, bro sold out.

00:34:41.000 Yeah.

00:34:42.000 Yeah, the music industry is run by them boys, so you know how it is.

00:34:45.000 I mean, you know what's crazy?

00:34:46.000 The more I'm around these people, I kind of understand what it is, though.

00:34:50.000 It's almost like if you want to live and maintain this lifestyle or, for example, be in the trending news or be with what's popping...

00:34:58.000 This is a game you've played.

00:34:59.000 You've got to play the game.

00:35:00.000 If you don't play the game, you're outcast.

00:35:02.000 And you're never going to get big breaks or sponsorships.

00:35:05.000 So you either get set out or you don't.

00:35:06.000 It's a big reason why a lot of you guys have criticisms.

00:35:10.000 Oh, yo, you guys, what's this guest on?

00:35:13.000 Blah, blah, blah.

00:35:14.000 But it's a mainstream.

00:35:15.000 Like, bro, they're not going to come on our show. 0.97

00:35:17.000 Are you crazy?

00:35:17.000 I had two guests today, right?

00:35:20.000 One actually had a good reason why they couldn't come.

00:35:22.000 The other one basically was like, yeah, bro, I don't know.

00:35:25.000 I'm worried.

00:35:27.000 He's a celebrity.

00:35:28.000 What can I do?

00:35:29.000 I can't say, come on a podcast.

00:35:31.000 Yeah, that's something that a lot of you guys complain about.

00:35:34.000 It's like, yo, we bring this guest on.

00:35:36.000 Yo, y'all need to bring on better guests. 0.82

00:35:38.000 Bro, you guys got to understand that even though we're big and a lot of people know who we are, And we get a lot of love from a lot of these celebrities. 1.00

00:35:45.000 They hit us up and say, yo, we fuck with your shit. 1.00

00:35:47.000 We're volatile, man. 1.00

00:35:48.000 We're controversial as hell.

00:35:50.000 It's what it is. 0.91

00:35:50.000 So it's like, for them, they're like, damn, if I go on this thing, it'll mess me up. 0.91

00:35:53.000 People are going to automatically assume that I'm a misogynist or some shit just because I went on this podcast. 0.98

00:35:57.000 Because you guys already know the reputation that we got on here. 0.53

00:36:00.000 We keep it real, but keeping it real a lot of times comes with a cost.

00:36:03.000 And in woke society, 2023, where everything is politically correct, People gotta just support us from afar.

00:36:08.000 You know, it is what it is, bro.

00:36:09.000 I've got countless DMs from professional athletes. 1.00

00:36:12.000 We told y'all last week, a top three NBA player walked up to Fresh and said, yo, fuck with the show. 1.00

00:36:17.000 I'll rock with y'all. 0.99

00:36:18.000 Top three NBA player.

00:36:20.000 Huge.

00:36:20.000 Huge NBA player.

00:36:21.000 If I mentioned the name, y'all wouldn't know exactly who the fuck we're talking about. 0.98

00:36:24.000 But, yo, that's just the world that we're in, man. 0.82

00:36:26.000 Like, famous comedians have hit us up, right?

00:36:29.000 It's just...

00:36:31.000 It is what it is, man. 0.99

00:36:32.000 Like, if you guys want us to be out here keeping it real and shit, that comes at a cost. 0.98

00:36:36.000 Yeah. 0.98

00:36:37.000 It's part of the game, bro.

00:36:38.000 It's part of the game, honestly.

00:36:40.000 But again, we'll keep trying, but hey.

00:36:42.000 You know what I mean?

00:36:43.000 We were talking about certain topics before it became cool to talk about it.

00:36:46.000 You know?

00:36:47.000 So, anyway.

00:36:49.000 What else do we got here?

00:36:50.000 Myron, a girl in Dubai I've been on a few dates with now.

00:36:53.000 She's cool.

00:36:54.000 We're into each other.

00:36:54.000 Thought she's a nice girl, but I checked her IG. You're following her.

00:36:58.000 Did you fuck this chick, my guy? 1.00

00:36:59.000 I fell to my knees when I saw you already followed her. 1.00

00:37:01.000 LOL SMH. What's that Lil Durk meme?

00:37:06.000 Fell to my knees when the law came. 1.00

00:37:09.000 Oh shit. 1.00

00:37:10.000 Damn. 1.00

00:37:11.000 Who is it? 0.99

00:37:12.000 He didn't mention.

00:37:12.000 I don't know.

00:37:13.000 I don't know who the hell it is.

00:37:14.000 See, this is why I don't follow no girls, bro. 0.69

00:37:16.000 For that exact reason.

00:37:18.000 Niggas be like, oh, it's fresh as a girl? 1.00

00:37:19.000 Let me DM her. 1.00

00:37:20.000 Fuck y'all niggas, man. 1.00

00:37:22.000 Fuck that shit, bro. 1.00

00:37:23.000 Y'all don't know shit no more, man. 1.00

00:37:25.000 Oh, man. 0.99

00:37:26.000 Tevye goes, hey, I'm 23 years old and I've been saving most of my money for two years now and have 80k saved.

00:37:31.000 How should I invest my money and I'm still living with my parents?

00:37:34.000 23 years old, two years now, 80k saved.

00:37:38.000 That's pretty good, actually.

00:37:42.000 The next step is going to cover that for him.

00:37:43.000 Yeah, yeah.

00:37:44.000 We got you, bro.

00:37:45.000 Next step.

00:37:46.000 I'm doing over part-time.

00:37:47.000 My Altima has 175k miles and I want to get a backup.

00:37:49.000 Found a 2001 Camry with 90k miles for 4.5k.

00:37:52.000 I have 30k saved.

00:37:53.000 Should I keep saving and worry about a car when Altima is ruined or buy Camry?

00:37:59.000 Yeah, bro.

00:37:59.000 Just get it from point A to point B, man.

00:38:01.000 Don't worry about that shit like that right now. 0.99

00:38:03.000 Yeah, bro. 0.99

00:38:04.000 Honestly, bro, if it's still working fine, then keep it.

00:38:07.000 But if it's really bad, then get the Camry.

00:38:11.000 And if you're smart, you have the money already.

00:38:14.000 You just get it on credit, bill up your credit score by paying that monthly, and then pay it off after a year.

00:38:22.000 JG goes, instead of calling show Friday, bring in Andrew Huberman for Fitness Friday.

00:38:26.000 Bro, that's what I'm talking about, man.

00:38:29.000 It is not that easy.

00:38:33.000 Niggas say, Elf Rush for networking. 0.99

00:38:35.000 Bro, you don't understand, bro. 0.99

00:38:36.000 The shit I have to go through, and then when they finally get to that person to make it work... 0.99

00:38:40.000 Let me talk to my PR agent. 1.00

00:38:41.000 Let me talk to my manager.

00:38:45.000 We're not too sure about this.

00:38:46.000 Let's discuss this.

00:38:47.000 And you guys don't understand how much goes into it.

00:38:50.000 Especially these fitness industry guys, bro.

00:38:51.000 They'd be some of the most cautious ones, bro.

00:38:55.000 They're like in the middle.

00:38:56.000 They never go too hard on a topic or go too...

00:38:58.000 It's just like, bro, they got to be safe because sponsors.

00:39:01.000 For sponsors.

00:39:01.000 I get it.

00:39:02.000 And then when you're a fitness influencer, a lot of times you'll have...

00:39:07.000 Like a 50-50 audience with men and women. 1.00

00:39:09.000 So it's like, you really gotta have some balls to come on our shit. 1.00

00:39:12.000 You know what I mean? 1.00

00:39:13.000 I'll try.

00:39:14.000 But yo, like...

00:39:15.000 Come on, man.

00:39:16.000 I already know what more than...

00:39:18.000 Oh, yo.

00:39:18.000 We had a big one, though.

00:39:20.000 But he had to go back the next day.

00:39:22.000 I won't say his name, but...

00:39:23.000 When he comes back from Dubai, he'll be here on the show.

00:39:27.000 I'll tell you after.

00:39:29.000 Alright.

00:39:30.000 Cool.

00:39:30.000 I'll try, though, for y'all, man.

00:39:31.000 I'll try.

00:39:32.000 But like I said, someone like...

00:39:33.000 I wouldn't be surprised.

00:39:34.000 Like him?

00:39:35.000 Bro...

00:39:36.000 Come on, man.

00:39:39.000 He's probably going to be like, man, I don't know if I can do it.

00:39:42.000 I got a girlfriend, man.

00:39:43.000 I don't know. 0.96

00:39:44.000 Y'all kind of crazy.

00:39:46.000 I got a girl, bro. 0.97

00:39:47.000 She won't like it.

00:39:49.000 That's the number one. 1.00

00:39:50.000 Yo, I fuck with y'all. 1.00

00:39:52.000 Oh, no way. 1.00

00:39:53.000 Yo, I fuck with y'all. 1.00

00:39:54.000 I got some monsters, man. 1.00

00:39:58.000 Yo.

00:39:59.000 We get it.

00:39:59.000 We don't get mad, though.

00:40:01.000 We never, ever get mad about it.

00:40:04.000 I know guests that owe me favors just out of love, but it's like, hey, bro, I get it, bro.

00:40:10.000 You don't want to come?

00:40:11.000 I get it, 100%.

00:40:12.000 But it's cool.

00:40:13.000 Wait, hold on.

00:40:13.000 Did somebody say, scroll up a little bit in the YouTube chat?

00:40:16.000 I think somebody gave a name here.

00:40:18.000 Keep going up a little bit, Bills.

00:40:19.000 Go up, go up, go up.

00:40:24.000 Let's see here.

00:40:26.000 No, someone had mentioned a fitness influencer, and I was like, yeah, definitely that person you just mentioned is worried. 0.98

00:40:34.000 Never mind, fuck it, we'll just keep going. 0.99

00:40:36.000 Okay. 1.00

00:40:37.000 Got it.

00:40:38.000 Okay.

00:40:40.000 Where we at here.

00:40:41.000 It's almost like the person has to be canceled for them to be like, okay, cool.

00:40:44.000 They gotta be pretty ballsy, bro.

00:40:46.000 Yeah, yeah, yeah.

00:40:47.000 Andrew Young goes, have my own business grossing over $100,000 a year, but have friends that don't have the same mindset as me, like working weekends.

00:40:55.000 What should I do with those friends?

00:40:57.000 Get ready to cut them off, bro. 1.00

00:40:58.000 Get ready to cut them off. 1.00

00:41:00.000 Oh, there we go. 1.00

00:41:01.000 I fucked up. 0.99

00:41:02.000 He says, I just wrote down all my expenses. 0.99

00:41:04.000 Holy!

00:41:05.000 I need this.

00:41:06.000 Thank you, gents and the Tates and Mike and Rolo.

00:41:08.000 If it wasn't for y'all, I wouldn't be here.

00:41:09.000 That's huge, bro.

00:41:10.000 That's huge.

00:41:10.000 As y'all watch the episode right now, write down your expenses.

00:41:12.000 Fuck it. 1.00

00:41:13.000 Do what he's doing. 1.00

00:41:13.000 He's literally just writing it down while he's watching the show. 1.00

00:41:15.000 Let's do a contest. 0.85

00:41:16.000 Comment below your expenses.

00:41:20.000 For the month.

00:41:20.000 Yeah.

00:41:21.000 Unless he has the most expenses in the actual community.

00:41:24.000 Yeah.

00:41:25.000 Because guys, once you know the truth, I could do it right now.

00:41:27.000 Your eyes open up.

00:41:28.000 Wow.

00:41:29.000 That's crazy.

00:41:30.000 So, someone said Huberman got canceled.

00:41:33.000 No, he didn't.

00:41:34.000 What are you talking about, man?

00:41:36.000 Bro, you don't get canceled as a fitness influencer, bro.

00:41:40.000 That just doesn't happen.

00:41:42.000 Fitness is what I call the one niche where you don't have to really take hard stances on anything, and you'll be fine. 1.00

00:41:50.000 Not high value goes, I can attest to making $200K per year and spending like a dumb fuck. 0.99

00:41:55.000 Now I have a budget and cut expenses, still saving to buy a rental property. 1.00

00:41:59.000 I messed up and bought a personal house $500K two years ago and was technically broke stupid. 0.99

00:42:03.000 Yeah, yeah, man. 0.99

00:42:04.000 Hey, at least you identified the problem, though.

00:42:07.000 Yeah.

00:42:08.000 Jaleel, man, I needed this episode to help grow my financial stability.

00:42:11.000 I got co-ownership in a business, so I'm making more money, but I'm an avid car geek and have an addiction in buying car mods for my Challenger SRT Hellcat.

00:42:20.000 Hopefully this episode will help.

00:42:21.000 You have anything for that?

00:42:22.000 Yeah, man.

00:42:23.000 One of them Tokyo Drift niggas likes to update his car. 1.00

00:42:28.000 Guys be like, yo, I'm a car guy.

00:42:30.000 I'm a car enthusiast, right?

00:42:31.000 Yeah.

00:42:32.000 I understand that.

00:42:33.000 Only problem is, when you put money into a car, you mod the car, it doesn't raise the value.

00:42:38.000 So what's happening is, you're trying to raise the car to higher horsepower, to raise other people.

00:42:42.000 And it just makes it harder down the road if you want to get rid of it, right?

00:42:45.000 Doesn't it just fuck it up for you?

00:42:47.000 Every single day, what's happening to the value of the car?

00:42:48.000 It's dropping. 0.69

00:42:49.000 So you're putting mods in the car, you're spending $5K, $10K, maybe $6K, $20K on a car, and you're like, damn, why am I broke?

00:42:56.000 It's because you're putting all the money into the car.

00:42:59.000 That's doing what?

00:43:00.000 Going on the value.

00:43:01.000 So my thing is like, obviously you love your car, 100%.

00:43:04.000 But do like to media mods.

00:43:06.000 Don't do nothing too crazy, bro, because the car is going to stay the same value.

00:43:09.000 And ultimately, you want to have money saved up for your future and for investing.

00:43:13.000 Buy the car that you want.

00:43:14.000 Smart, of course.

00:43:15.000 Once you have money saved up and you've budgeted it correctly.

00:43:18.000 But then, mods, bro, come on, man.

00:43:20.000 This is my thing, right?

00:43:21.000 I could have modded my EK9. I could have modded my DC5. I could have modded my other cars that were not that higher to year.

00:43:29.000 My Camaro, all this stuff.

00:43:31.000 I was like, you know what?

00:43:32.000 Why not just make money and then buy the car you actually want, which is the Lamborghini?

00:43:36.000 It's just like, bro, if I get to that point and I can afford it, why mod a car just to look cooler and more horsepower? 1.00

00:43:42.000 Some people have hobbies with that shit. 1.00

00:43:45.000 They'll get a WRX and trick it out and shit. 1.00

00:43:48.000 I know a guy that spent over $50K. On a Honda. 0.99

00:43:53.000 Just to like monitor...

00:43:53.000 Is he Puerto Rican?

00:43:54.000 Puerto Rican needs to be doing that. 1.00

00:43:57.000 50k, right?

00:43:58.000 Bro, he could have bought a house.

00:43:59.000 He could have invested in stocks or himself.

00:44:02.000 50k in a car, bro.

00:44:03.000 And the car's worth nothing.

00:44:04.000 I'm like, bro, what are you doing, man?

00:44:06.000 And niggas still broke. 1.00

00:44:07.000 But again, car fans, car enthusiasts, I get it.

00:44:10.000 But come on, man.

00:44:11.000 Be smart, bro.

00:44:11.000 Yeah, you got it.

00:44:12.000 Yeah, guys.

00:44:13.000 And just know that you putting all this stuff and tricking it out and making it faster ain't going to help.

00:44:17.000 If anything, it's probably going to decrease the value.

00:44:20.000 Here's the trick, right?

00:44:21.000 If you're a car vlogger, car video channel, you can turn that mod into money.

00:44:26.000 But if you're not that, bro, you're wasting money and you're wasting time.

00:44:28.000 Facts.

00:44:29.000 Like Strap Man, Tall Guy, these guys.

00:44:31.000 JF'd Up goes...

00:44:33.000 My fam got me a car, and I got stuck with monthly payments.

00:44:37.000 Car worth $25, but still owe $35 on it.

00:44:41.000 $740 a month.

00:44:42.000 He means cars worth $25k, but he owes $35k on it.

00:44:45.000 10k drop, yep. 0.99

00:44:46.000 Goddamn! 0.99

00:44:47.000 $740 a month. 0.99

00:44:48.000 Should I pay the difference just to get out of it?

00:44:50.000 I want to save as much as I can.

00:44:52.000 Thanks for all the value you guys provide.

00:44:55.000 Guys, this is the dark secret about cars and buying them.

00:44:59.000 Nobody's safe.

00:45:00.000 You can time the market the best you can.

00:45:02.000 You can have the best people telling you what to do.

00:45:05.000 When markets drop, bro, it is what it is.

00:45:08.000 I've lost money from cars as well, buying them, not telling the market correctly.

00:45:12.000 It's part of the game.

00:45:13.000 Now, think about buying cars though.

00:45:15.000 You need an entry point and an exit point.

00:45:17.000 That's the biggest thing for cars, right?

00:45:19.000 So in this case, your exit is probably going to be trashed because of the difference.

00:45:26.000 So what you could do is just pay the difference, get out of it, because that's all you can really do, and then get a regular car, maybe like a Toyota or Honda.

00:45:35.000 That's pretty cheap.

00:45:36.000 But a lot of miles.

00:45:37.000 And then just save up and then reset.

00:45:39.000 Because the problem is, bro, when you're upside down, it's hard to get out of it.

00:45:43.000 But again, that's why you don't buy new cars.

00:45:45.000 You buy cars that are used, pre-owned, that already hit most of their depreciation, and you move on from there.

00:45:49.000 But buying a new car is a waste of time, bro.

00:45:51.000 Yeah, let me be very clear about this.

00:45:52.000 Fresh has been very vocal about telling you guys that you shouldn't be buying a brand new car unless you're an influencer, you're buying it under a business or whatever.

00:46:01.000 A lot of you guys have a regular job and you're not entrepreneurs and you don't have a creative way to...

00:46:06.000 I guess get that car involved in your business where you can write her off. 1.00

00:46:08.000 So he said a billion times, yo, don't buy new cars.

00:46:11.000 Don't buy new cars.

00:46:12.000 Don't do what I'm doing.

00:46:14.000 I have a tax strategy that I'm doing, but for the rest of y'all, don't buy new cars.

00:46:17.000 Like guys, listen to what he's saying, man.

00:46:18.000 Like he's telling y'all, don't buy new cars.

00:46:20.000 In general, and most of the time...

00:46:22.000 Oh, yeah.

00:46:24.000 Yeah, but basically, yeah, guys, rule number one for budgeting and expenses and money, do not buy new cars.

00:46:32.000 They'll give you a deal, say we'll lower your payment, it's brand new, off the lot, The moment you drive off the lot, guys, it is literally losing money.

00:46:40.000 And the problem is, when time comes for you to sell it or get rid of the car, you're upside down 10k like this guy here.

00:46:47.000 Which sucks, by the way, because I did it too as well at the very beginning about a new car.

00:46:51.000 But, again, if you can get a pre-owned car that's used...

00:46:56.000 Not too many miles.

00:46:56.000 It's in good shape.

00:46:57.000 Get that all day, bro.

00:47:00.000 Buying new cars is a waste of time.

00:47:01.000 And modern cars you buy recently also waste too.

00:47:04.000 So the goal is to make money, save money, invest money.

00:47:08.000 And then with your investments, you can buy cars.

00:47:10.000 Even myself, guys.

00:47:11.000 I'm doing it for tax reasons as well.

00:47:13.000 Investment reasons as well.

00:47:14.000 But the main thing, guys, is having the money to do what you want out of life.

00:47:17.000 So that's the biggest thing.

00:47:18.000 Next chat here.

00:47:21.000 Pressure and fit whatever shorts.

00:47:23.000 That's funny.

00:47:25.000 Not yet.

00:47:26.000 I can't hear you.

00:47:27.000 T-Y-F-N-F, for all you do. 1.00

00:47:29.000 Used to work three jobs, and now down to one, making more than I did at three.

00:47:34.000 Good job, brother.

00:47:35.000 Let me know if my YouTube channel name is Fresh and Fit, plus whatever shorts and highlights is okay.

00:47:40.000 I don't want to overstep a new to this YouTube game.

00:47:42.000 Set Hustle Gang.

00:47:44.000 Um...

00:47:45.000 I mean, bro, that's up to you, man.

00:47:47.000 I mean, we're not gonna be supporting that like that, but I mean, it's more power to you, bro.

00:47:53.000 Not gonna stop your hustle.

00:47:55.000 Diddy says, I'm 20, I have a girlfriend.

00:47:57.000 His name is Diddy, bro.

00:47:59.000 That's messed up, dog.

00:48:01.000 Yo, Diddy can't get a break, bro.

00:48:03.000 Diddy's been going through it for weeks now, bro.

00:48:05.000 Back to back.

00:48:06.000 He says, I'm 20, I have a girlfriend, I make $20 an hour.

00:48:10.000 My rent is $12.25, and I have $9,000 in debt, with $1,000 saved.

00:48:14.000 Don't know what to do, I do have a good amount of information about money, but not enough.

00:48:18.000 So he's 20 years old, has a girlfriend, $20 an hour, Alright, I think I'm back.

00:48:24.000 Sorry about that, guys.

00:48:25.000 Yeah.

00:48:26.000 So just to recap here, Diddy says, I'm 20.

00:48:28.000 I have a girlfriend.

00:48:29.000 I have 20 bucks an hour.

00:48:30.000 My rent is $1.25, $12.25, and I have $9K in debt.

00:48:34.000 $1,000 saved.

00:48:35.000 Don't know what to do.

00:48:36.000 I have a good amount of money.

00:48:37.000 Sorry, I have permission about money, but not enough.

00:48:40.000 So it's kind of tough, because $9K in debt is huge, bro.

00:48:43.000 Yeah, you got to make more money, bro.

00:48:45.000 You might need two jobs.

00:48:46.000 Yeah, you're going to pick up another job.

00:48:48.000 You're going to need to pick up another job.

00:48:50.000 And focus on, I don't know what that 9k debt is in.

00:48:53.000 Is it credit card debt?

00:48:54.000 Is it a vehicle?

00:48:55.000 What is it?

00:48:56.000 You know what it could do?

00:48:57.000 Because most people forget this as well.

00:48:59.000 Look in your house and sell everything that you don't need.

00:49:01.000 You might have a garage with old stuff that you don't need, a computer, a TV you don't need as well.

00:49:06.000 Sell all this stuff, pay off your debt.

00:49:10.000 Alright, and then how many more?

00:49:12.000 Two more? 0.74

00:49:13.000 We got Rumble Rants too.

00:49:14.000 Okay.

00:49:15.000 What up, Fresh and Fit?

00:49:15.000 Just want to say thank you for being the voice of the voiceless.

00:49:17.000 No more shenanigans from these 304s. 1.00

00:49:19.000 And most importantly, thanks for the knowledge and wisdom you guys share with us.

00:49:21.000 Got you, bro.

00:49:22.000 D-Generation X goes, you should definitely get the question rapper Eminem on the podcast.

00:49:27.000 He can't be canceled and he knows controversy.

00:49:29.000 That'd be dope. 0.98

00:49:30.000 That'd be great. 0.99

00:49:31.000 But I'd have to find his people and shit like that. 0.97

00:49:34.000 Yeah, I don't know any of his people. 0.98

00:49:35.000 We don't know any of his people.

00:49:36.000 I don't even think...

00:49:37.000 He's not in Florida.

00:49:38.000 He's probably in LA. I don't even know where he's at.

00:49:40.000 I don't know where he's at.

00:49:41.000 Okay.

00:49:42.000 Oda goes, 20 with a 760 credit score as well as three cards.

00:49:46.000 I just got hired to become a plumbing apprentice.

00:49:48.000 7K invested, 5K savings, less 50K to an emergency.

00:49:50.000 Myron, can you explain why Michigan real estate is now?

00:49:54.000 Here, look, any deal can work no matter where you are.

00:49:57.000 I'm just saying that if you don't have to invest in Michigan, I wouldn't do it. 0.99

00:50:00.000 And the reason why is because Michigan has really lax squatter laws where they can literally sit in your shit for a while. 0.98

00:50:07.000 It's one of the most exploitative states when it comes to tenants exploiting landlords for not paying rent. 0.99

00:50:14.000 That's why.

00:50:16.000 Okay, Law of Distraction goes, made a community poll to see preferred clips.

00:50:19.000 Results are people love debates and castles but don't enjoy panel challenges or the jokes as much.

00:50:25.000 Not saying what to do.

00:50:26.000 Just sharing my final shout-out to the squad.

00:50:27.000 Happy Money Monday.

00:50:28.000 Yeah, you know, people are going to like what they like.

00:50:30.000 That's cool.

00:50:30.000 And we're doing 20 and up from here.

00:50:32.000 Yeah, 20 and up from here, right?

00:50:33.000 Yep.

00:50:33.000 Okay.

00:50:34.000 And then Red Gatorade.

00:50:37.000 Huberman got canceled for commenting on...

00:50:40.000 RFK Pod.

00:50:42.000 On RFK Pod and saying there should be more presidential candidates on long form. 0.94

00:50:46.000 His wiki and other things got fucked. 0.95

00:50:48.000 They might be back now. 0.98

00:50:49.000 And get yourself a cough button for your throat clears.

00:50:52.000 Pause.

00:50:52.000 All love.

00:50:55.000 Let's see here.

00:50:58.000 He got cancelled for commenting on an RFK pod?

00:51:00.000 I'm not aware of that. 0.93

00:51:03.000 But if it happened, that does suck.

00:51:04.000 But why would he get cancelled for commenting in an RFK pod when they want RFK cancelled too?

00:51:09.000 RFK is like anti-cough-cough, if you guys know what I'm saying.

00:51:12.000 Shout out to Fresen Miren.

00:51:13.000 Earlier this year, I wrote down my two biggest goals and I achieved both before the ending of this year, moving out and getting a car.

00:51:18.000 Thank you from Arizona.

00:51:19.000 But yeah, I'll reach out to him.

00:51:20.000 I like Huberman.

00:51:21.000 Don't get it twisted, guys.

00:51:22.000 I do like him.

00:51:24.000 Whenever I see people like that, though, I'm like, man, these dudes have got to protect themselves.

00:51:27.000 They're going to probably decline.

00:51:29.000 You know what I'm saying?

00:51:29.000 Write it down.

00:51:30.000 I'm 23 making 100k a year.

00:51:32.000 40k saved.

00:51:32.000 Looking to buy a duplex.

00:51:34.000 375k.

00:51:34.000 New construction.

00:51:36.000 2B2B each unit in a rural area.

00:51:37.000 40 minutes from my job.

00:51:38.000 Any tip of recommendations?

00:51:39.000 Thank you.

00:51:40.000 WFNF Trump 2024.

00:51:41.000 40k saved.

00:51:42.000 Looking to buy a duplex.

00:51:43.000 375k.

00:51:46.000 Yeah, man.

00:51:47.000 If you can get it for a good deal, then pick it up.

00:51:49.000 FHA. You know what I mean?

00:51:51.000 Yeah, bro.

00:51:51.000 Make it happen, man.

00:51:53.000 Just don't become house poor.

00:51:55.000 WFNF, 34-year-old man, disabled with fixed income, 30K a year, own a home, 800 credit score, 500K in an asset slash investments, not including a house.

00:52:01.000 I'm disabled, quadriplegic.

00:52:04.000 What is my best option to create income?

00:52:09.000 Well, it depends.

00:52:10.000 30K a year?

00:52:11.000 Yeah, how are you?

00:52:13.000 He owns a home.

00:52:14.000 How disabled are you?

00:52:16.000 500k assets.

00:52:17.000 No, I know that, but so he can't walk then probably, right?

00:52:20.000 Yeah, he can't walk.

00:52:21.000 But he has, what, that much money in assets?

00:52:24.000 What does he have?

00:52:25.000 Not including his house.

00:52:27.000 I don't know.

00:52:30.000 Brother, we need more info, bro, because obviously, you know, you're not capable to do too much physically.

00:52:37.000 Yeah.

00:52:37.000 You're going to need to do a service-based online business.

00:52:39.000 Online business from home.

00:52:40.000 That's probably what you're going to need to do.

00:52:42.000 But we don't know what your skills are and stuff, so I don't know how.

00:52:45.000 But I would say, just generally speaking, you're going to need to do an online service-based business, my friend.

00:52:48.000 You could do e-commerce.

00:52:49.000 You could do affiliate marketing.

00:52:51.000 You could do...

00:52:51.000 Amazon.

00:52:52.000 Amazon.

00:52:53.000 Selling.

00:52:53.000 DLC, shout out to him.

00:52:54.000 This is the single most important discipline successful people have mastered.

00:52:57.000 I wish I knew this when I was 18.

00:52:58.000 I'm in my 50s and I've lost at least 1 million because I didn't track the money.

00:53:00.000 Well, I'll tell you, bro.

00:53:01.000 DLC. Legit.

00:53:03.000 The earlier you started, the better.

00:53:05.000 And I wish parents would teach your kids this from the very beginning. 1.00

00:53:09.000 They don't teach this shit. 1.00

00:53:09.000 Or even in school. 1.00

00:53:10.000 Yeah.

00:53:10.000 Because what's the most important thing about life?

00:53:12.000 Manage your money.

00:53:13.000 You can't do that?

00:53:15.000 What are you doing?

00:53:16.000 Yeah, bro.

00:53:18.000 So that's what it is.

00:53:20.000 Shout out to DL Saint.

00:53:23.000 Salute to Freshmire and Big Mo Bills, Chris Icy, and the whole FNFM. I'll be in Miami this weekend, I'm sure.

00:53:28.000 I'll bump in the LP. Shout out to you, Saint, man.

00:53:29.000 Shout out to you, bro.

00:53:30.000 All right.

00:53:30.000 Let us know, man.

00:53:31.000 Dev Kade, go check him out, guys.

00:53:32.000 He has his own pod, by the way, too.

00:53:34.000 It's called the I Really Want to Know podcast.

00:53:35.000 He's very...

00:53:36.000 One of the guys in our community, man...

00:53:39.000 Huge.

00:53:40.000 A lot of wisdom.

00:53:41.000 Been around.

00:53:41.000 Yes.

00:53:42.000 Military service.

00:53:42.000 Government service.

00:53:44.000 Really smart, sharp guy.

00:53:45.000 Check him out, man.

00:53:45.000 He's like the OG that everyone needs in their corner.

00:53:47.000 And DLSS always supports this no matter what.

00:53:49.000 Yeah.

00:53:49.000 Shout out to DLSS. Shout out to him.

00:53:50.000 WFNF, I'm 21.

00:53:51.000 I do summer pest sales.

00:53:52.000 Make 50K this summer goal.

00:53:54.000 Next goal is to break 100K next summer.

00:53:56.000 Do y'all have any advice for recruiting sales rep?

00:53:58.000 It's been hard finding guys to rely on 100% commission.

00:54:01.000 Ooh.

00:54:02.000 Yeah.

00:54:02.000 You need somebody motivated that wants to do it.

00:54:05.000 Because the problem with people that do sales most of the time, they do it because it's a luxury or a site job, but it needs to be their main thing.

00:54:11.000 Yeah, and the fact that you're making them rely on 100% commission, bro.

00:54:14.000 I get your position there.

00:54:17.000 You want it to be performance-based, but it's going to be tough for you to recruit people with that.

00:54:21.000 So you might have to switch that up a little bit and give them a base salary and commission to get people in.

00:54:27.000 Your best bet is to join communities, people that are entrepreneurs, and see if they want to do it that way.

00:54:31.000 But, I mean, it's still a gamble.

00:54:34.000 Yeah.

00:54:35.000 Anything else?

00:54:36.000 Last one here, I think.

00:54:36.000 Last one.

00:54:37.000 Okay.

00:54:37.000 Here's a new saying.

00:54:38.000 Anyone who is now single after losing their broad wife, girlfriend, etc.

00:54:40.000 because of some hoe behavior. 1.00

00:54:42.000 Your loss is a gain.

00:54:43.000 City boys, we up? 1.00

00:54:45.000 Let's fucking go. 0.99

00:54:46.000 Shout out to Connecticut. 0.99

00:54:46.000 Shout out to CT. All right. 0.99

00:54:47.000 Shout out to you, bro.

00:54:48.000 Alright, so now we're going to go into number three, okay guys?

00:54:51.000 So just a little quick recap, real fast.

00:54:53.000 The first two things.

00:54:54.000 Actually, before number three, let's do today's sponsor.

00:54:57.000 Oh, go ahead.

00:54:58.000 Which is...

00:55:01.000 Airstech.

00:55:02.000 So most of you here have cell phones, tablets, computers.

00:55:07.000 And we all know, on some level, there's radiation from these things.

00:55:11.000 Now, matter of fact is, most people don't realize, but over a period of time, you can get cancer, different issues happen to your body.

00:55:18.000 You're wondering, why is this happening to me?

00:55:20.000 Guys, it's radiation from phones, tablets, and computers.

00:55:23.000 Now...

00:55:24.000 Granted, today's sponsor is called AirStack.

00:55:26.000 And most people don't understand as well that you can actually stop this from happening to you by buying this device.

00:55:31.000 And basically, before you panic or throw your phones, this is one of the best things you can use here, which is essentially proven to have EMF protection on your actual phones and tablets.

00:55:43.000 So guys, once again...

00:55:44.000 Go to Aries Tech and use promo code FRESHFIT30, 30% off.

00:55:48.000 That's promo code FRESHFIT30 at checkout.

00:55:51.000 And once again, guys, that will save you 30% on that actual purchase and protect you from actually getting radiation issues from your phones, tablets, and computers.

00:56:00.000 And actually, we just found out as well, In France, they banned the iPhone 12 because there was so much radiation from the phone, it caused people to have major issues with their health.

00:56:09.000 So again, guys, France banned the phone, the iPhone 12, because it had radiation issues, and that's huge because your health is very important, guys.

00:56:15.000 So type in iristech.com, support us, support them.

00:56:19.000 Link down below.

00:56:20.000 All right.

00:56:21.000 Cool.

00:56:22.000 Cool.

00:56:23.000 So what else do we got here?

00:56:25.000 Number three.

00:56:25.000 Okay.

00:56:25.000 So quick little recap on the first two things, guys.

00:56:29.000 The first two were write down your monthly expenses, right?

00:56:34.000 What you got coming in and what you got going out. 0.57

00:56:38.000 Then from there, you're going to be able to start eliminating things because once you have obviously a visual representation of where your money's coming in and what's going out, you're going to be able to be Like, oh damn, I spend this much on Netflix? 0.97

00:56:49.000 Oh damn, I spend this much on going out? 0.98

00:56:50.000 Oh damn, I spend this much on alcohol? 1.00

00:56:52.000 Whatever the hell it is that you do, you're going to be able to go ahead and see it visually and be like, alright, I just need to cut this stuff out. 0.99

00:56:57.000 So it's a very powerful representation.

00:56:59.000 We talked about this before, where you're not going to drive somewhere you've never been before without a GPS. What gets measured gets managed.

00:57:04.000 So once you measure what the hell you're spending, you're going to be able to manage it and hopefully put yourself in a better position.

00:57:09.000 Also, you can't manage what you don't know.

00:57:11.000 Yes.

00:57:11.000 That's huge, by the way.

00:57:12.000 Now, third, very important, guys.

00:57:14.000 Save towards your emergency fund because life is as real as Murphy's Law, okay?

00:57:18.000 So if something bad will happen, it definitely can.

00:57:20.000 And we talk to you guys about this a lot on the pod, where we want you guys to have an emergency fund.

00:57:25.000 Well, what is an emergency fund?

00:57:26.000 Somewhere between three, preferably, to 12 months of money saved of how much you make.

00:57:32.000 So let's say you make $4K per month, right?

00:57:34.000 That's roughly $52K per year, right?

00:57:37.000 Or $1K a week, right?

00:57:40.000 We want you guys to have somewhere between, I don't know, maybe 50k saved up, because that's pretty much almost a year of salary.

00:57:48.000 If you can have one year of salary saved there, or half of that, maybe six months worth, whatever it may be, or your living expenses...

00:57:56.000 We want you to be able to have that emergency money.

00:57:58.000 God forbid something happen to you guys.

00:57:59.000 Peace of mind.

00:58:00.000 You need that, yeah.

00:58:02.000 Chris Crone calls it a SWAN account, sleep well at night account.

00:58:08.000 You want three months bare minimum all the way up to 12 months.

00:58:13.000 Of living expenses guys there so that if anything happens, you get laid off, family emergency, whatever it is, you have that money.

00:58:19.000 And that money, just by the way, is separate from the money that you're investing.

00:58:24.000 That's money that you have liquid cash ready to go at any time.

00:58:27.000 Yeah.

00:58:27.000 Okay?

00:58:28.000 And there's another article that talks about Americans don't have enough money for savings.

00:58:32.000 And they don't have even a thousand bucks in their accounts, which is huge, by the way.

00:58:37.000 So guys, like Myron said...

00:58:38.000 You might lose your job.

00:58:39.000 You might have to lose one of your income streams.

00:58:43.000 You might actually get hurt or get accident.

00:58:45.000 You might get sick.

00:58:46.000 Family member might need an emergency surgery.

00:58:48.000 Yeah. 0.97

00:58:48.000 And if you can't work to pay for this time off, you're screwed. 0.97

00:58:53.000 Like, I know guys that worked at my old job and, like, they had issues and some of them actually went homeless because they lost their job and they couldn't pay for their rent.

00:59:02.000 They couldn't pay for anything.

00:59:03.000 They lived in their car.

00:59:04.000 So the problem is, guys, especially Americans, we spend money.

00:59:08.000 We don't think about our future or the current state of our income.

00:59:13.000 And with saving, it goes a long way.

00:59:15.000 So the best bet is to have savings for at least, I want to say, 4 to 12 months in your account.

00:59:20.000 So if anything goes wrong, you have peace of mind, one, and you're going to be able to survive for 12 months at least.

00:59:27.000 Yeah.

00:59:27.000 And this money, guys, I just want to be explicit about it.

00:59:29.000 It is not the same as the money that you have that you're using to invest.

00:59:34.000 This is money that's separate that's just there.

00:59:36.000 You have it.

00:59:37.000 You could let it sit in a checking account.

00:59:39.000 You can let it sit maybe.

00:59:41.000 It just needs to be liquid.

00:59:42.000 Hell, I'm okay with you even putting it in, like, maybe even in...

00:59:45.000 Nah, not crypto.

00:59:46.000 Because that could go up and down significantly.

00:59:49.000 Unless you bought when it was really cheap, that's different. 0.85

00:59:51.000 Like, if you bought Ethereum when it was, like, 500 bucks or some shit, that's different.

00:59:55.000 But nowadays, especially with crypto being so drastically different, but you just need to have that money liquid, guys, is my point.

01:00:02.000 Like, it needs to be available to you, whether it's in a...

01:00:06.000 A savings account that you have access to that you can pull from.

01:00:09.000 That's no penalization, by the way.

01:00:12.000 And there's a couple of them out there.

01:00:14.000 You want to make sure that it's liquid that you have it there and you're able to use it whenever you need to.

01:00:17.000 Because that's the whole purpose of having the emergency fund. 0.96

01:00:20.000 You need to be able to pull it out in an emergency quickly with no fucking questions being asked. 0.92

01:00:24.000 I have friends as well that they buy watches for their emergency funds too, which is crazy by the way. 0.99

01:00:29.000 Oh damn, that's a little risky. 0.95

01:00:30.000 They keep it in safe and they just keep it there for periods. 0.99

01:00:32.000 I mean, it's kind of extreme.

01:00:33.000 The only way I could see you even doing that, you'd have to buy it.

01:00:36.000 If you're going to use like crypto or watches or something like that, you better get it for a It has to be a steal.

01:00:40.000 Yeah, it has to be a steal.

01:00:41.000 If you're going to use that as an emergency fund, right?

01:00:45.000 And you've got to really know what you're doing.

01:00:47.000 You've got to have a designated person that you can sell it to that you know will give you the money for it no matter what.

01:00:51.000 That's a bit riskier.

01:00:53.000 But this is why, just after your point, the average person, number one, write down your expenses so you know, and then minus that from your income.

01:01:02.000 Because, guys...

01:01:04.000 If you can save money from your current paycheck, I guarantee you, the more you make, the more you can save.

01:01:09.000 100%.

01:01:10.000 You know what I say?

01:01:11.000 I think one good way to do it is have half that money sitting in a random checking account that you have access to, God forbid, and then also a good portion of it should be in cash. 0.89

01:01:23.000 As much as I hate cash, guys, I genuinely hate cash, but if shit pops off and you need money quick, nothing's like cash, dude.

01:01:33.000 So what I used to do is I used to have my bank set up where all my money coming in from my paycheck, the EFT transfer, 30% goes to my savings. 0.95

01:01:41.000 So that's automatic.

01:01:42.000 Whenever I get paid, 30% goes to savings.

01:01:44.000 30%.

01:01:45.000 Now, depending on who you are as a person, what your expenses are, you can determine how much you want to put into savings right away from your income.

01:01:51.000 Like me?

01:01:52.000 Guys, I got like a stash of cash.

01:01:54.000 My coins.

01:01:55.000 Not coins.

01:01:56.000 Um...

01:01:57.000 Silver?

01:01:57.000 Silver.

01:01:58.000 I have them in coins, though.

01:01:59.000 Cash and silver, right?

01:02:02.000 And why is that?

01:02:03.000 Because you can instantly liquidate that, right?

01:02:06.000 The silver you can sell immediately, and then the cash is very important in an emergency, man.

01:02:11.000 So it's okay to have that backup...

01:02:15.000 Sorry, emergency fund?

01:02:16.000 Yeah.

01:02:17.000 In different ways.

01:02:18.000 Maybe you can have some of it in crypto, then you can have some of it in cash, then some of it in a checking account, whatever you want to do, but make sure that it's liquid and you can immediately get access to it, guys.

01:02:25.000 Even with the crypto, I'm a little worried.

01:02:27.000 So you put it just in a checking account or something.

01:02:29.000 Or if you want it the easiest, keep it in cash.

01:02:31.000 Just make sure you have a safe.

01:02:32.000 Invest in a safe, please, if you're going to keep a lot of cash.

01:02:34.000 All right?

01:02:35.000 And just side note, if you're going to have cash in your house, you bring girls over, please.

01:02:39.000 Yeah.

01:02:39.000 Keep it safe, bro.

01:02:41.000 Lock that shit up, bro. 1.00

01:02:41.000 Yeah, man. 1.00

01:02:42.000 I can't tell you how many stories of guys I know that have wads of cash in their crib.

01:02:45.000 They bring girls over.

01:02:46.000 Where's my cash?

01:02:47.000 Yeah, bro.

01:02:47.000 It's gone.

01:02:48.000 Watches, cash.

01:02:49.000 Bro, guys, have it safe at least, bro. 1.00

01:02:50.000 Lock that shit up, man. 1.00

01:02:51.000 Please. 1.00

01:02:52.000 Bro.

01:02:53.000 God.

01:02:53.000 But the point is, the rule, I don't care how y'all have it, the rule is it needs to be liquid so you can get it within 24 hours.

01:02:59.000 Yes.

01:02:59.000 Even less, probably.

01:03:01.000 Alright, cool.

01:03:02.000 Next.

01:03:03.000 Number four.

01:03:05.000 Get rid of debt as soon as possible.

01:03:07.000 This is huge, by the way.

01:03:08.000 This is one of my main reasons why I was able to buy property, and it's because I had no debt.

01:03:16.000 Now, obviously, guys, if you're working one job, that's your static income.

01:03:21.000 That's what you have monthly.

01:03:23.000 But some of you need two to three jobs.

01:03:25.000 Just because...

01:03:27.000 Your debt is so high that your income will never match the amount of money you need to pay it off completely.

01:03:31.000 And as a result, you're stuck in a cycle of paying for debt for credit cards, maybe buying clothes at the mall, maybe a car.

01:03:40.000 You're never going to really pay off.

01:03:41.000 And as a result, you're stuck in a cycle of depression.

01:03:44.000 It's like a weight on your ankle.

01:03:46.000 What do you call those weighted chains?

01:03:49.000 Oh, yeah, like ankle weights.

01:03:51.000 So imagine in your life, you're walking around with a ball and chain.

01:03:55.000 Yep.

01:04:01.000 We're good to go.

01:04:19.000 Now, again, there's a snowball effect you can use to pay off debt, which is basically you're paying off the highest interest first, or the smallest one first, whatever works for you, and pay it down that way.

01:04:29.000 But the main thing is, guys, you're saving money from your account, from your income, to pay off debt.

01:04:35.000 Now, this is very fundamental, but here's the secret, right?

01:04:39.000 Most people that are successful won't have no personal debt.

01:04:42.000 They have what?

01:04:43.000 Business debt, which means it's all in real estate, all in businesses, but not credit cards that they have to pay 23% on or 18% on.

01:04:51.000 It's only going to be business debt, which is huge towards your financial future.

01:04:55.000 And I think for most people as well, if you look at it this way, you're going to have debt in your lifetime.

01:05:00.000 But how you manage it is going to determine what you can buy, how you move forward in life, even by property.

01:05:06.000 Guys, if you didn't know, you have too many issues, for example, of high payments towards cars, maybe furniture, maybe, for example, different items in your property or even in your life.

01:05:18.000 When they go look at your credit to give you a loan for your house, they won't approve you.

01:05:22.000 Especially student loan debts.

01:05:24.000 That's huge, by the way.

01:05:25.000 Having student loan debts is huge.

01:05:26.000 So I would just say, guys, to your financial future, you want to have money saved up to pay off debt.

01:05:31.000 And if you need two jobs, bro, get two jobs, bro.

01:05:33.000 Because having debt on your mind is going to be crucial to your success.

01:05:38.000 So, again, guys, pay off your debt as soon as possible.

01:05:40.000 Get two jobs, three jobs, whatever you need to pay it off.

01:05:43.000 Maybe even lower expenses even more, but that's going to be crucial to your success.

01:05:47.000 Yeah.

01:05:47.000 The other thing too, guys, is...

01:05:49.000 Oh shit. 1.00

01:05:51.000 Fuck, I lost my train of thought. 1.00

01:05:53.000 Pay off debt? 1.00

01:05:54.000 Oh yeah.

01:05:54.000 Please, please pay off your consumer debt, guys.

01:05:57.000 Credit cards especially.

01:05:59.000 Like we've done...

01:06:00.000 You guys, if you watched our credit card episodes, you guys already know these credit card companies want to kill you.

01:06:04.000 The lowest I've ever seen credit card interest rates is like 13, 17%, right?

01:06:09.000 But normally, it goes well above 20 into the 30s.

01:06:13.000 So credit cards, guys, is what kills you, man.

01:06:15.000 If you got to pay the minimum payments for a period of time, that's one thing.

01:06:18.000 But yo, the credit card debt, bro, you guys got to cut that down immediately because that will always mess you up.

01:06:23.000 And what ends up happening is the way the credit card companies work, they want you to make the minimum payments so that you can continue to pay them forever.

01:06:29.000 You're not going to actually pay off the credit card making the minimum payments.

01:06:33.000 What credit cards don't want you to do is what we teach you guys to do.

01:06:36.000 Get the credit card, get the free points, get the free cash back, get the benefits, then pay it off in full every month and don't give them any interest.

01:06:43.000 They live off of interest.

01:06:45.000 And that's what you don't want to pay, guys.

01:06:46.000 When you pay it off in full every 30 days, You're good, and you get all the benefits from it, guys.

01:06:52.000 So, I would say if you gotta pick one, obviously, credit card debt is some of the worst ones that have the highest interest rates.

01:06:58.000 You always wanna pay out the debts that have the highest interest rates, and credit cards tend to be that.

01:07:02.000 I think a good rule to follow is for credit cards, only buy what you're gonna buy anyway, from your debit card.

01:07:07.000 Yes.

01:07:08.000 So don't buy more, just buy what you're gonna pay for, like gas, groceries, maybe rent if you can, but only what you're gonna pay for normally.

01:07:14.000 Yeah.

01:07:15.000 Use credit cards for expenditures that you were gonna make anyway.

01:07:17.000 Don't make extra expenditures because you got the credit card, okay?

01:07:20.000 That's a big difference.

01:07:21.000 Use the credit card, guys, for things you are going to spend the money on anyway, not for things you're gonna spend on that are new. 1.00

01:07:27.000 Fuck that shit. 1.00

01:07:28.000 Don't do that, guys. 1.00

01:07:29.000 I know people, they get a credit card, they pay for vacations, vacations with their girlfriend, they go buying clothes and stuff like that in the mall.

01:07:37.000 It's like, bro, what are you doing with extra cash that you have?

01:07:39.000 Like, save it, pay off your credit card, and then buy shit you actually need, not just like luxuries. 0.58

01:07:44.000 But again, that's most people's current status. 0.92

01:07:46.000 Have fun now, and pay for it later, if they can.

01:07:49.000 Yeah, man.

01:07:49.000 So, number four.

01:07:51.000 So that's number four, guys.

01:07:52.000 Okay, so we're on here to the last one, okay?

01:07:55.000 We're on the final round.

01:07:56.000 Quick little recap.

01:07:57.000 Yeah!

01:07:59.000 Right?

01:07:59.000 So, number one, guys, was write down your monthly expenses and your income side by side and then have a visual representation, right, of what your money coming in looks like and what your money going out looks like, right?

01:08:11.000 Step two, from there, with the visual representation, you're able to make adjustments real time and be able to remove things that are costing you money that you don't necessarily need, but it gives you a picture of Of what you need to do, right?

01:08:22.000 We always say, well, it doesn't get measured, it doesn't get managed.

01:08:24.000 This is one of the best ways to do it.

01:08:26.000 And then writing it out is going to force you to be honest with yourself.

01:08:29.000 A lot of you guys want to be Mauro Winans, you know, I don't want to know. 0.95

01:08:31.000 You know, you need to fucking know, right? 1.00

01:08:33.000 Don't be one of these idiots that's operating blind financially. 1.00

01:08:36.000 It's going to hurt, but once you find out you can manage it, you're good to go. 1.00

01:08:40.000 Then number three, save towards your emergency fund, guys.

01:08:42.000 Three months bare minimum of your salary, if not six to twelve months preferably.

01:08:46.000 I want y'all to have a year of money ready to go so if anything happens, you get injured, a family member needs the money, emergency comes up, you lose your job, whatever, you can sustain yourself for a significant amount of time, alright?

01:08:57.000 So, twelve months is the goal.

01:08:59.000 Three months is the bare minimum.

01:09:00.000 Six months is good.

01:09:01.000 But try to get 12 months worth of income, okay?

01:09:03.000 So if you make $52K per year, try to have $52K sitting in a bank account somewhere. 0.80

01:09:07.000 That'd be fucking fantastic.

01:09:09.000 That's your emergency fund, right? 0.90

01:09:10.000 And then number four is get rid of debt as soon as possible. 0.71

01:09:13.000 Most importantly, consumer debt like credit cards, which we all know have high interest rates between 13 all the way up to goddamn 30%.

01:09:19.000 And it fluctuates too, guys.

01:09:21.000 Okay?

01:09:21.000 One month they could choose to charge you 30%.

01:09:24.000 Another month they can go ahead and say, oh, no, we're just going to charge you 30%.

01:09:27.000 Yeah.

01:09:27.000 And it's all there.

01:09:28.000 When you guys sign all that goddamn stuff like, oh, do you agree to the terms and conditions? 0.99

01:09:31.000 That's what they're telling you on there. 0.99

01:09:33.000 We reserve the right to increase the interest rate whenever the fuck we feel like it. 0.97

01:09:36.000 And it could easily be up into the 30%. 0.98

01:09:38.000 So, guys, be intelligent with credit cards.

01:09:41.000 Spend it on things that you're already going to spend paid off fully in months so that you get the benefits without having to pay them interest, okay? 0.99

01:09:46.000 Because they're banking on you, not paying it in full, so they can collect interest from you and then keep you as a fucking slave. 0.99

01:09:52.000 You don't want that. 0.97

01:09:53.000 Just like Fresh said, Having a bunch of debt is like putting a ball and chain on your ankle and significantly limiting your freedom and your ability to do things that you want to do.

01:10:01.000 And most importantly, invest in assets that's actually going to give you the freedom.

01:10:05.000 Credit card companies don't want you investing in assets.

01:10:07.000 They want you investing in them so they can continue to collect interest from you.

01:10:10.000 Now we're on the last one.

01:10:11.000 That's what I get you.

01:10:12.000 All right.

01:10:13.000 Save up money to invest into yourself skills to gain more income and invest into real estate, etc.

01:10:18.000 That is the final part of budgeting.

01:10:22.000 Man, this is huge because people sell all the time.

01:10:24.000 You're fresh.

01:10:25.000 Myron, I got 10k saved up, 50k saved up.

01:10:28.000 What should I invest in?

01:10:30.000 Now, number four was important, vital.

01:10:33.000 The problem is, if you want to invest money into yourself or an asset or a skill, if you have debt that is high percentage of, maybe, for example, interest or, for example, just a high rate, whatever you invest in is going to be taken away from that debt.

01:10:50.000 Now, pay off the debt so it's possible.

01:10:52.000 Then, when you get the money from saving, managing, budgeting, whatever money you invest in is not stored, adorted, or, for example, taken away from your debt.

01:11:03.000 Now, regarding saving for your skills, yourself, or making more income, I think for most people, they underestimate themselves.

01:11:11.000 Because, obviously, most Americans, what do they do?

01:11:15.000 They go shopping, they waste money, and when it comes to actually investing themselves, they can't.

01:11:20.000 Now, for me, what I did was I said, you know what?

01:11:22.000 I got two choices here.

01:11:24.000 Either I can focus on saving money now and putting it to myself, or have fun, go out to the bars with friends and relax.

01:11:31.000 Now, luckily, it was number one, which is save money and invest in myself.

01:11:35.000 So, step one, I budgeted, saved money, lower expenses, and I have money left over.

01:11:41.000 For that money, I took it, I paid for a mentor, I went to this workshop, paid for different things I could learn online, for marketing, Instagram, YouTube, all that stuff, right?

01:11:51.000 But real estate as well.

01:11:52.000 And because of that five-year period I spent doing that, whenever I made the money to actually have to invest into things, I knew what to do right away.

01:12:00.000 Now for some of you, I may be learning a skill, getting a trade, going to school, or Whatever it may be, you need money to make it happen.

01:12:07.000 So I think for most people, you need to start from now.

01:12:10.000 Focus on, one, writing down your stuff so you know what money's coming in, what's going out.

01:12:16.000 And then more importantly, number four, be debt-free.

01:12:19.000 I can't see you guys how much peace of mind I had being debt-free.

01:12:22.000 If I was ever going to be successful...

01:12:25.000 The last thing I want to be is highly in debt.

01:12:27.000 I know guys, again, that are making good money.

01:12:29.000 Like, what?

01:12:30.000 500k a year?

01:12:31.000 400k a year?

01:12:33.000 But they have so much debt that they're not happy.

01:12:35.000 And they're slaves to their job or to their business.

01:12:37.000 Because, again, when you're in debt, you have to constantly work overtime, work really hard just to maintain, versus you're debt-free, Peace of mind I can invest into myself, into skills, and again, most Americans are doing what?

01:12:51.000 Living paycheck to paycheck with no savings.

01:12:54.000 So again guys, invest in yourself, have money saved up, have no debt.

01:13:01.000 Good points man.

01:13:03.000 So the whole purpose guys, this whole episode, the name of the episode is obviously budgeting, but you ask yourself, why are you budgeting?

01:13:11.000 The reason why you're budgeting, guys, is so that you keep your expenses low to a point that you're actually able to save some money.

01:13:17.000 When you save money, you're able to take that money and invest it into assets that will create more income for yourself.

01:13:23.000 That's the whole purpose of budgeting and living well below your means. 0.74

01:13:26.000 So you have extra money that you can start to invest.

01:13:30.000 And once you start to invest that money, what ends up happening is you're going to slowly start to buy your time back.

01:13:38.000 You guys know we like real estate a lot.

01:13:40.000 We talk about real estate all the time.

01:13:41.000 It's probably one of the best asset classes that actually pays you back an actual dividend with cash flow and tenants giving you money and it's consistent every month.

01:13:49.000 The reason why we want y'all to budget is that you have extra money, invest that money into real estate, and then what you can slowly start to do if you do this correctly is you can start to cut back on your real job.

01:13:58.000 You can start to have more freedom.

01:14:00.000 You can start to, you know, do things that you want to do versus things that you have to do.

01:14:04.000 And if you do this correctly and you budget hard for a while, right, and you exercise delayed gratification, what you're going to end up doing is you're going to set yourself up where you won't have to work hard forever.

01:14:14.000 Work hard now so you don't have to work hard later.

01:14:17.000 Because as you get older, You want to enjoy your later years, guys. 0.99

01:14:21.000 And the faster and the harder that you make money and budget, the faster you can get out of the fucking rat race. 0.99

01:14:28.000 Okay, guys? 0.99

01:14:29.000 Now, are all you guys going to be retired at 30 years old?

01:14:32.000 No.

01:14:32.000 But if you can retire at 40, 50, 60, have a good amount of money sitting in where you don't have to necessarily work anymore, I think that's a W, right?

01:14:41.000 Where you don't have to worry about, oh man, I gotta stick it out of my job so I can get my pension and all this other bullshit.

01:14:46.000 No, if you do this correctly, guys, you can retire early.

01:14:49.000 That's the whole purpose of budgeting.

01:14:49.000 Right?

01:14:50.000 This isn't budgeting just so you can put money in a bank account and stare at it like an idiot. 1.00

01:14:53.000 No. 0.98

01:14:54.000 It's so that you can take that money, which is, by the way, losing its value through inflation.

01:14:58.000 You can take that money, buy assets that pay you back so that you can start to get your freedom back.

01:15:01.000 This is what it's about, guys.

01:15:02.000 It's about becoming financially free.

01:15:03.000 I've told you a million times.

01:15:04.000 You don't have to become an entrepreneur to be financially free.

01:15:08.000 But you need to invest to become financially free because you can't work, Forever.

01:15:12.000 And a lot of you guys don't want to work forever, and there's nothing wrong with that.

01:15:14.000 But for you to get your freedom back, you need to invest, guys.

01:15:16.000 And budgeting is going to put you in a position where you have excess money that you can invest that will help you purchase assets that will pay you back a dividend so you don't have to work anymore.

01:15:24.000 All right?

01:15:25.000 That's what you want.

01:15:26.000 That's the whole purpose of this budgeting. 1.00

01:15:28.000 It's not just to put money in a checking account and look at it like a moron. 0.99

01:15:30.000 It's to invest in assets that will pay you back so you don't have to worry about checking your goddamn checking account anymore. 1.00

01:15:36.000 Could you imagine... 0.98

01:15:36.000 Well said, by the way. 0.98

01:15:38.000 Could you imagine walking into work because you want to, not because you have to?

01:15:42.000 Could you imagine...

01:15:43.000 Changes the whole scope of things.

01:15:43.000 Actually having money in an account to say, you know what?

01:15:46.000 Today I want to go to Dubai.

01:15:49.000 I have like 100K saved up.

01:15:51.000 I'll take a little trip.

01:15:52.000 Could you imagine seeing a property that you want to buy?

01:15:55.000 With your girlfriend, your wife, maybe your mom. 0.83

01:15:58.000 You know what, mom?

01:15:59.000 I'm buying you the house because I have money saved up and we need a house to live in.

01:16:04.000 Just having that clarity and peace of mind, guys, is priceless.

01:16:07.000 And for most people, you don't have that.

01:16:08.000 It's going to take sacrifice in the beginning.

01:16:10.000 A lot.

01:16:11.000 But instead of going to work to work, go to work to have a plan to get out.

01:16:15.000 And unless you want to stay at your job, that's fine.

01:16:18.000 But having the money and the budget to do what you want out of life is huge, by the way.

01:16:22.000 So, again, guys, like Myron said, you budget to have money in your account, but for a purpose.

01:16:27.000 Not just to look at it, but to put it towards good things.

01:16:30.000 So, that's it.

01:16:33.000 Yo, guys, sacrifice your time now so you don't have to sacrifice your dreams later.

01:16:37.000 That's really what it comes down to, man.

01:16:38.000 That's the basis of delayed gratification.

01:16:40.000 A lot of y'all want to have fun now.

01:16:42.000 I want to enjoy my 20s. 1.00

01:16:43.000 A lot of y'all sound like fucking women, you know? 1.00

01:16:46.000 Yeah. 1.00

01:16:46.000 As a guy? 1.00

01:16:47.000 You have to sacrifice a period of your life to go ahead and make sure that you don't sacrifice your dreams later, man.

01:16:54.000 Good example.

01:16:55.000 You spent your time working for the government, set your money up, made a side business, fitness business, took that money, put it into...

01:16:55.000 Us.

01:17:04.000 Hell, we're doing it even now.

01:17:05.000 Guys, have y'all seen us off the air for more than a week?

01:17:08.000 No.

01:17:09.000 We still haven't taken a break since we started this podcast in 2020.

01:17:12.000 Every time y'all saw us where we weren't on for a week, it was because we were traveling and we were somewhere else filming content.

01:17:17.000 Literally.

01:17:18.000 But we have...

01:17:19.000 Name one week where y'all didn't get no new content from us. 0.99

01:17:22.000 We haven't taken a break since we started this shit in 2020. 0.99

01:17:25.000 Yeah. 0.98

01:17:26.000 If you don't see us on the air going live, that means we're traveling and we're filming content somewhere else.

01:17:29.000 But we're always working.

01:17:31.000 We're the most consistent podcast ever.

01:17:33.000 That I've seen on YouTube by far.

01:17:35.000 Other than Tim Pool, I don't know anybody else.

01:17:37.000 Actually, those skills that we learn are from what?

01:17:40.000 Budgeting money, having routine discipline to move towards our goals.

01:17:44.000 And the key point here, guys, with budgeting, you need a common goal to make this all make sense.

01:17:49.000 So for me, it was buying real estate.

01:17:51.000 My main goal.

01:17:52.000 Buy real estate, save money up, have money to invest.

01:17:55.000 I think that was yours too, right?

01:17:57.000 So again, guys, I think for most people, if you don't have a goal or a map to where you want to go, you're going to be lost.

01:17:57.000 Yeah, yeah.

01:18:04.000 But budgeting is a key to make it work.

01:18:06.000 Get your freedom back, guys, because then you can choose to work.

01:18:09.000 And trust me, it's a lot better when you know that you don't have to do it.

01:18:12.000 It's way more fun.

01:18:14.000 I was going to Wix.com back then. 1.00

01:18:17.000 You hated that shit. 1.00

01:18:19.000 The saddest fresh it's ever been. 1.00

01:18:20.000 You know what's funny?

01:18:21.000 I didn't like the work.

01:18:23.000 I liked the people.

01:18:25.000 You know what I'm saying?

01:18:25.000 People were awesome.

01:18:26.000 But obviously the work is grunt work.

01:18:27.000 It's like, you know, tickets, you know, open up tickets, whatever, whatever.

01:18:30.000 But the point was that I was going to work knowing that, hey, the business is taking off.

01:18:35.000 I don't have to be here anymore.

01:18:36.000 But that feeling, having no debt, side business, is huge.

01:18:41.000 And guess what, guys?

01:18:42.000 The budgeting part of it?

01:18:44.000 I bought a property from the budgeting.

01:18:46.000 So that money was coming in, and the company money was coming in.

01:18:49.000 It's like, okay, now I have a choice to make.

01:18:51.000 Either stay at the company or leave.

01:18:53.000 But unfortunately, me and Myron had to sit down and talk, and we had to leave.

01:18:57.000 But the point is that we had options and choices.

01:18:59.000 It's huge.

01:19:01.000 Yo, guys, by the way, so that is it, guys.

01:19:01.000 Cool.

01:19:04.000 Boom! 0.99

01:19:05.000 The five steps to budgeting properly and getting yourself together.

01:19:09.000 I'll read the rest of these chats and we'll close this thing out.

01:19:11.000 I'm going to run to the gym here before our nighttime show.

01:19:14.000 And guys, do me a favor, man.

01:19:15.000 We only got 1.4K likes, man. 0.99

01:19:17.000 Damn! 0.99

01:19:19.000 We've been getting an influx of haters. 1.00

01:19:20.000 I don't know what it is, bro.

01:19:21.000 We got a bunch of people that watch us that don't like us. 1.00

01:19:24.000 A lot of Anus and Reach fans over here that watch our shit and just leave stupid comments. 0.99

01:19:29.000 And a lot of people dislike the videos on purpose. 0.99

01:19:30.000 So we're getting like a 98, 97% likes on our videos.

01:19:33.000 And I'm like, what the hell?

01:19:34.000 So guys, do me a favor. 0.99

01:19:36.000 Can you guys like the goddamn video? 0.99

01:19:38.000 Because we got a lot of losers that come in and watch the content and purposely dislike the video just to do it, bro. 1.00

01:19:43.000 It's so fucking weird that people do that shit. 0.99

01:19:46.000 Literally, H3 fans, Anderson Reach fans, they just come on over here, dislike the video, and leave. 1.00

01:19:53.000 Or they'll sit there in the chat and talk shit. 0.99

01:19:54.000 It's fucking weird to me that people watch our shit and they don't like us. 0.99

01:19:58.000 So to offset some of the haters, man, just like the video, guys, it helps a lot with the algorithm. 0.99

01:20:01.000 You don't got to donate dollars to the show.

01:20:02.000 The only thing I ask, likes are free.

01:20:04.000 Support the channel. 0.99

01:20:05.000 Send this video to a friend because there's a bunch of people that we know that probably suck at budgeting and they need to hear this shit. 0.99

01:20:10.000 So that's what it's about, man. 0.99

01:20:12.000 Hey, guys, I'm 36, 180K. You know what?

01:20:14.000 Now I know.

01:20:15.000 Y'all come over here because those guys don't give you value.

01:20:17.000 Now it makes sense.

01:20:18.000 There you go.

01:20:18.000 You know, do we need a client or any of them teach y'all how to do anything?

01:20:21.000 No.

01:20:22.000 Anus to Reach, do they give you guys any real life skills? 1.00

01:20:24.000 They give you stupid ass commentary when they're fucking losers. 1.00

01:20:24.000 No. 1.00

01:20:26.000 And low-key they're watching, but they apply some of it.

01:20:29.000 Yeah. 1.00

01:20:29.000 Like, damn, this shit works. 1.00

01:20:30.000 I'm gonna keep watching. 1.00

01:20:31.000 I mean, it's funny because the fans call into the show.

01:20:35.000 I know a lot of y'all are Anus to Reach fans, right?

01:20:37.000 Thank you.

01:20:37.000 Welcome to Fresher Fit, man, where we give you guys advice over here.

01:20:40.000 They've even admitted, yeah, I criticize y'all or whatever, but yeah, y'all give way more value than them. 0.96

01:20:44.000 Yeah, we fucking do. 0.95

01:20:46.000 But it's like, yo, y'all be hating though. 0.99

01:20:47.000 Coming in, disliking the video and shit like that. 0.84

01:20:50.000 So guys, like the video, man, to offset some of the haters. 0.90

01:20:53.000 We'd really appreciate it.

01:20:54.000 We got here, hey guys, I'm 3,600 ADK, 5'6 in shape.

01:20:58.000 Own a sweet house and a bit introverted.

01:21:00.000 I don't really like meeting girls at bars and clubs.

01:21:01.000 I still want to get out there. 0.99

01:21:02.000 Dating sites are garbage. 1.00

01:21:03.000 Met a few crazies. 0.99

01:21:04.000 How can I expand our prospects?

01:21:05.000 Cold approach, my friend.

01:21:06.000 Yep.

01:21:07.000 During the day, especially.

01:21:10.000 If you're picky like that, you're going to find the girls that you want out in day game, out and about.

01:21:15.000 And you'll find them in doing your certain activities.

01:21:18.000 Gym, getting a coffee.

01:21:19.000 Hobbies, too.

01:21:20.000 Grocery shopping.

01:21:21.000 Go to Target on a Sunday.

01:21:23.000 You'll see some hoes in there. 1.00

01:21:25.000 Alright, DatKid goes, I've been listening to the podcast for a year now.

01:21:28.000 I'm 22 from Toronto.

01:21:29.000 Just paid off my 8K credit card and card department?

01:21:34.000 Oh, Dat.

01:21:34.000 Okay, I meant to say Dat.

01:21:35.000 And completed my goal of going to Miami to network for my jewelry business.

01:21:39.000 Thank you guys for listening to y'all.

01:21:40.000 Really boosting my life.

01:21:41.000 Shout out to you, bro.

01:21:41.000 That's what it's about, man.

01:21:42.000 Giving y'all this value, man.

01:21:44.000 Venus and Rich ain't teaching y'all that. 1.00

01:21:46.000 Oh, yeah, it's 20 and up.

01:21:50.000 NYC prop manager trying to invest on my own.

01:21:52.000 I had two accepted offers from...

01:21:54.000 For FAMS in Bridgeport, Connecticut, both fell apart after sellers refused to drop purchase price to appraise value.

01:22:00.000 What other areas should I look at?

01:22:02.000 Okay, he's a property.

01:22:03.000 Guys, please spell check yourself because I'm reading your stuff verbatim and it sounds crazy.

01:22:08.000 Sometimes I have to read it on the fly and see what you mean.

01:22:12.000 Okay, so bro, he says offers for FAMS. Okay, for four FAMS in Bridgeport, Connecticut, both fell apart.

01:22:19.000 Yeah, bro, I wouldn't invest in Bridgeport, man. 1.00

01:22:21.000 Bridgeport's a fucking dump, dude. 1.00

01:22:23.000 It's the hood, ain't it? 1.00

01:22:24.000 Yeah, Bridgeport is one of the worst cities in southern Connecticut, man.

01:22:29.000 Yo, look at New Haven, look at West Haven.

01:22:32.000 Those are areas that I'm looking at.

01:22:34.000 I shouldn't even be giving you all that sauce, but go ahead and look there.

01:22:39.000 Especially Westhaven, they're developing pretty damn well.

01:22:42.000 They got a mall out there.

01:22:43.000 New Haven is where Yale is at.

01:22:45.000 So these are good areas to be.

01:22:47.000 Shelton, Stratford.

01:22:50.000 Fairfield might be a little too expensive.

01:22:52.000 I wouldn't invest in Greenwich either because it's expensive.

01:22:55.000 Stanford would be good if you could find a deal, especially Stanford because people love Stanford.

01:22:59.000 It's right there.

01:23:00.000 WWE is headquartered there.

01:23:02.000 There's a train that goes right into the city.

01:23:03.000 It's close to the city.

01:23:04.000 Isn't that where the office was filmed?

01:23:09.000 No.

01:23:11.000 No?

01:23:12.000 No, I don't know where they filmed the office.

01:23:14.000 They based it at Scrant, Pennsylvania, but it wasn't filmed in Scrant, Pennsylvania.

01:23:18.000 I forget where they filmed it.

01:23:19.000 I forgot where it was filmed.

01:23:20.000 But yeah, Stanford is good.

01:23:22.000 It has a good nightlife over there as well.

01:23:24.000 It's just that it's a little expensive, but if you could find a good deal there, you'd be fine.

01:23:27.000 Norwalk as well.

01:23:28.000 The closer you get to New York, the more expensive you're going to see the deals are.

01:23:32.000 But those are some areas that you could look at.

01:23:33.000 But yeah, Bridgeport, bro, unless it's a fantastic dealer, it's like on the border of Stratford where it's a bit better, I would stay away from Bridgeport, especially the inner city area.

01:23:40.000 That's the worst city in Connecticut by far, you know, aka Gunport over there.

01:23:45.000 Guys, I have a transportation business for one year now, making 12 to 15k a month and do the dispatcher and driver on the same time.

01:23:50.000 I have only two years in USA from Albania.

01:23:52.000 Any ideas how I expand the business?

01:23:55.000 Uh...

01:24:00.000 12-15k a month.

01:24:02.000 A dispatcher and a driver on the seat.

01:24:05.000 Dude, it's simple.

01:24:06.000 Hire more drivers.

01:24:07.000 You're going to hire more drivers.

01:24:08.000 You need people that can drive for you and get more trucks.

01:24:11.000 100%.

01:24:11.000 That's how you're going to grow up, my friend.

01:24:13.000 You're going to need to kind of get out your comfort zone.

01:24:17.000 Okay, anything else?

01:24:21.000 Hold on, one second.

01:24:22.000 There's one more here.

01:24:24.000 Last one?

01:24:24.000 Okay.

01:24:26.000 Girl stayed the night after the third date. 0.98

01:24:28.000 Makeout session was fingering her. 0.98

01:24:29.000 She wants me to make her my girlfriend before we do it. 1.00

01:24:32.000 My B-Day is this Saturday.

01:24:33.000 Would you guys keep pursuing or see if she reaches out? 0.96

01:24:36.000 Yo, I kind of want to ask her some demon time shit, but I shouldn't do that. 0.94

01:24:39.000 That's my advice. 0.99

01:24:42.000 I'm your nigga now. 0.99

01:24:43.000 Just smash a dip. 1.00

01:24:45.000 That's fucked up, though. 1.00

01:24:46.000 If that's what you want, nigga, give me what you want. 1.00

01:24:49.000 But yeah, that's fucked up, man. 0.99

01:24:50.000 I'm not gonna lie. 0.99

01:24:51.000 Oh, man.

01:24:52.000 All right.

01:24:53.000 That will do it.

01:24:54.000 You're my girl for the night, and that's it.

01:24:57.000 Done.

01:24:58.000 I don't know.

01:24:59.000 Something like that.

01:24:59.000 And then the last ones, these literally just came in now.

01:25:02.000 Y'all last second, niggas, man. 1.00

01:25:03.000 All right.

01:25:04.000 W to the whole gang. 0.98

01:25:05.000 Chris is a bum, though. 0.98

01:25:05.000 Facts. 0.98

01:25:06.000 My fecal says 780, but my credit karma says 735.

01:25:08.000 Any thoughts as to why I've had this discrepancy for years between the two?

01:25:12.000 That's just what happens.

01:25:13.000 Credit karma is never 100% accurate.

01:25:15.000 It's close, but not close enough.

01:25:17.000 Yeah.

01:25:18.000 So it's just a rough estimate that's free.

01:25:20.000 Yeah.

01:25:20.000 So...

01:25:21.000 Yeah, they're always going to be different, bro.

01:25:24.000 JJ goes, didn't see an up 23 six-foot six-pack and make six figures.

01:25:29.000 My network needs help, but how else can I get my status up?

01:25:32.000 Love the show, guys.

01:25:33.000 Thank you for all the help.

01:25:35.000 Competence, my friend, and that's just what it is.

01:25:37.000 You know, as a 23-year-old guy, even though you're doing very well for yourself...

01:25:40.000 I mean, you just don't have the maturity and the refinement of an older guy.

01:25:44.000 That's just what it comes down to.

01:25:45.000 And that's just going to come with time and experience, my friend.

01:25:47.000 And you'll get there.

01:25:48.000 Don't worry.

01:25:48.000 You've got to be humble, man.

01:25:49.000 I think for most people, networking is making sure that you're humble.

01:25:53.000 Because people don't want to help you if you're talking arrogant.

01:25:55.000 If you're humble enough to say, you know what?

01:25:57.000 I need help.

01:25:58.000 I'll look for help.

01:25:59.000 They want to help you.

01:26:00.000 Especially if you're young.

01:26:01.000 So, it goes a long way.

01:26:03.000 All right.

01:26:05.000 392Q says, also guys, you can try asking your parents or somebody who lets you be on their insurance plan to make bills cheaper.

01:26:11.000 That is true, by the way.

01:26:12.000 Phone bills and insurance as well.

01:26:13.000 Yeah, absolutely.

01:26:15.000 Guys, hope you guys enjoyed that one, man.

01:26:16.000 Send this one to a friend. 0.96

01:26:17.000 Please like the video, guys, because we got the anus and reach haters in here watching our shit, trying to gain value, then disliking the video on the way out, which I'll never understand. 0.98

01:26:24.000 Weird. 0.97

01:26:24.000 Yeah, really fucking weird. 0.97

01:26:26.000 But WStream, man. 0.88

01:26:27.000 WStream, guys.

01:26:28.000 Hope you guys enjoyed it, man.

01:26:29.000 Shout out to Fresh for coming up with this topic and these five things.

01:26:31.000 You guys can hate on him while you want, but he's the one that actually came up with these five things.

01:26:35.000 Guys, we'll catch you back here with some girls. 1.00

01:26:37.000 I don't know what time because Chris is bumming.

01:26:39.000 He ain't here.

01:26:40.000 I'm going to hit the gym.

01:26:41.000 We'll see you guys back here in a little bit.

01:26:42.000 I'm assuming somewhere between 9.30 to 10 we're going to start.

01:26:45.000 Love you all.

01:26:46.000 Like the video.

01:26:47.000 Peace.

01:26:47.000 I ran.

01:26:49.000 I ran so far away.

01:26:52.000 I just ran.

01:26:54.000 I ran all night and day.

Fresh & Fit - December 11, 2023

5 Steps To Budget For Your Financial Success

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