Fresh & Fit - America’s #1 Wealth Killer Is Keeping You Poor And No One Told You!

00:05:56.000 And we're a lot.

00:05:57.000 What's up, guys?

00:05:58.000 Welcome to the Freshman Podcast, man.

00:05:59.000 It's money Monday is gonna be a call and show.

00:06:00.000 We're gonna talk about one of the worst wealth killers in America.

00:06:04.000 Let's get into it.

00:06:04.000 Car payments.

00:06:05.000 Let's go.

00:06:51.000 We're leading out to the other side.

00:06:53.000 Pushes in the...

00:06:55.000 All right, we're back.

00:06:56.000 And we are back.

00:06:56.000 What's up guys?

00:06:57.000 Welcome to the Fresh State Podcast regular edition.

00:06:58.000 It's Money Monday, guys.

00:06:59.000 As you guys know, the way that we're gonna be doing things is we're gonna be going live on uh, you know, YouTube, Fresh and Fit for Money Mondays, and then also I think on Fridays, if I'm not like doing a debate or something like that, we're gonna also open it up uh for calling show where the first half of the show is gonna be financial.

00:07:15.000 So the Fresh and Fit channel, guys, basically on YouTube for now for the time being for the next couple months, is gonna basically effectively become a f financial channel, help you guys get your money up.

00:07:24.000 Um me and Fresh are spitball on a bunch of ideas.

00:07:26.000 We can put more content on here for you guys financially financially based, whether it's uh getting your credit score up, helping you guys save money, budgeting, investing in real estate.

00:07:34.000 I still owe you guys an episode on commercial real estate.

00:07:37.000 Um right now, as we speak, me and Roger are kind of finalizing all my stuff.

00:07:42.000 He's doing my bookkeeping and stuff.

00:07:44.000 So I want to make sure I have everything right, and then I'm gonna bring Roger in and we're gonna do a full episode on um you know, my current portfolio, what's going on with that.

00:07:51.000 Uh we're sitting at about 20 to 22, 23 properties right now at the moment.

00:07:54.000 Sure.

00:07:55.000 It's like almost 60 tenants.

00:07:56.000 Um and I have a whole system that we're using where um you know I have an app that I use to keep track of all the tenants and everything and you know, I want to make sure that when we do it for for you guys, it's gonna be super robust, super throw.

00:08:09.000 Bring Roger in here, probably do a call and answer questions for you guys.

00:08:11.000 So be patient.

00:08:13.000 I promise you guys are gonna get it very soon.

00:08:14.000 Um we're just making sure that we have all the bookkeeping handle on our end so that we can really come at you guys uh with all the information.

00:08:20.000 So this channel, um, at least from the YouTube perspective, is gonna be way more financially based for the next few months.

00:08:26.000 You know, if we can't go and do the after hours and everything else like that later on, uh maybe we will, but uh for now, you know, to get our thing back up, uh we're gonna keep it financial.

00:08:36.000 And then obviously everything is gonna be on rumble and on kick the home base. 0.69

00:08:39.000 Nothing changes, you guys better get the after hours there.

00:08:42.000 But for now, we're gonna do after hours and rumble.

00:08:44.000 Everything you guys want, unlimited a rumble, no bars held, everything you want to say we can say there because it's free speech and rumble's the best platform.

00:08:51.000 So there you go.

00:08:52.000 Yeah, so yeah, rum uh rumble and kick is gonna have all the you know Wednesday shows, special guests that are controversial, whatever, but on here we're gonna be doing the financial stuff and um you know, and like I said, we're gonna try to bump it up for you guys, give you one short or one clip a day.

00:09:04.000 Um, and then one to two streams a week on here.

00:09:07.000 And uh yeah, man.

00:09:08.000 We'll we're gonna help you guys with you know, not being um not being brokeies, you know.

00:09:12.000 Obviously, we've been I've been doing a bunch of stuff with buying houses.

00:09:15.000 Uh I just haven't been as open about it.

00:09:17.000 Uh because well, for one, I got banned off Instagram.

00:09:19.000 That was another pain in the ass, too.

00:09:20.000 So I couldn't like Aren't you back now?

00:09:22.000 I am now, but like for a while I didn't post.

00:09:24.000 True.

00:09:25.000 Because like we're a banned for a year, and I used to post a lot of my real estate stuff on Instagram.

00:09:28.000 Yeah.

00:09:28.000 So I'm gonna get back to doing that.

00:09:30.000 Um the Instagram's been uh going at a pretty good rate.

00:09:33.000 Uh, you know, I did a collab with uh with Hayden from Woman Propaganda that that's been pretty helpful.

00:09:37.000 He's gonna be here in September.

00:09:39.000 So that's gonna be good.

00:09:40.000 Oh damn.

00:09:40.000 Uh we'll also have Nick as well here in a couple of weeks.

00:09:43.000 So uh it's gonna be it's it's it's up, guys.

00:09:45.000 It's up.

00:09:45.000 It's we're gonna be cooking, man.

00:09:46.000 Um nothing changes, just know that our more controversial stuff's gonna have to be on rumble and kick.

00:09:51.000 Also, Wednesday we have uh Jeff Anxia Brother Podcast coming for outdoors and day show for day.

00:09:56.000 Oh, yes, yes, yes.

00:09:57.000 Jeff.

00:09:57.000 Yeah, yeah, yeah.

00:09:57.000 The new Kevin Samuels on the blog.

00:09:59.000 Yeah, yeah, that kind of as they say.

00:10:00.000 Yep, yeah.

00:10:01.000 Um, but yeah, man, today's topic is close to home because uh as you guys know, I'm an avid car um fanatic.

00:10:07.000 I love exotic cars to be exact.

00:10:10.000 But at the same time, being in the car industry, being the car business myself, going through it as well with other friends.

00:10:16.000 I've seen trends where if you're not careful, if you're not actually gonna be doing this the right way, it can mess up your financial future for the for the most part.

00:10:23.000 And that means that even if you like buy cars a certain way uh right now, you might be doing it wrong.

00:10:29.000 So we spoke about this behind the scenes, but for example, Myron's standpoint is he's in e-cars because once again he's homeworking for the most part, and his Honda was memorable, right?

00:10:39.000 Yeah, me on the other hand, I just love a lot of cars.

00:10:41.000 I was always wanting to have a Lambo, a Ferrari, all that stuff.

00:10:44.000 I did it, it was cool, but for the marketing.

00:10:46.000 However, here's the issue, right?

00:10:48.000 Most Americans now are paying high price for cars.

00:10:51.000 Actually, they did a study, and the lowest price new car is 40k.

00:10:56.000 That's insane, by the way.

00:10:58.000 So that means literally speaking, by you guys buying a car, 40k is the minimum for a new car.

00:11:03.000 And we also take it on the show, never buy a new car.

00:11:05.000 It's just an L all around, unless you're like an av avid like car collector, you get from the actual dealership allocation.

00:11:11.000 But if you're not that person, forget about it.

00:11:14.000 So again, there's a study that's been going around where people are suffering.

00:11:18.000 They want to know, okay, how to get out of my car, I'm getting repo'd.

00:11:21.000 It's it's at an all-time high.

00:11:22.000 And most Americans are, okay, cool.

00:11:24.000 I have a rent payment, I have a car payment, it's normal.

00:11:28.000 But what's happening is the actual economy itself is shrinking.

00:11:31.000 Uh inflation's going up, uh, wages are staying the same, and people are getting fired.

00:11:35.000 So they want to find ways to minimize their expenses.

00:11:37.000 And the number one thing you can do, what most people do as well, is get rid of their car.

00:11:41.000 That's the biggest thing you can do right now.

00:11:44.000 However, if you have negative equity in your car, it's gonna be hard to get out of it.

00:11:48.000 So here's where like the silver lining is.

00:11:50.000 Most people, especially here in America, want a nice car.

00:11:53.000 I do too.

00:11:54.000 Who doesn't?

00:11:55.000 However, why do you want the car?

00:11:58.000 What's it gonna do for you, and what's the exit?

00:12:00.000 So, real quick, we got a video to play here as well, but we'll do my tweet first, right?

00:12:05.000 So I made a post recently saying, Okay, America's actual stats are here about the car car payments.

00:12:11.000 Uh let's open it.

00:12:12.000 If you don't mind a little bit bigger, yeah.

00:12:16.000 Can't see real quick.

00:12:17.000 Your mouth is that uh Bill's mouth mouse just died, guys.

00:12:23.000 Sorry.

00:12:23.000 His mouse died?

00:12:24.000 His mouse just shut.

00:12:25.000 So yeah.

00:12:28.000 All right, America's biggest wealth killer is buying cars in the finance system.

00:12:32.000 The average car payment is 525 for used cars and 734 for new cars.

00:12:36.000 Don't forget to add in interest.

00:12:37.000 You're more than likely spend double the price of the car.

00:12:40.000 Comment below your car payment amount.

00:12:41.000 So this had a lot of engagement uh for the finance space as well.

00:12:45.000 But the average car payment is 525 for a used car.

00:12:48.000 New car is 734.

00:12:50.000 That's a lot of money.

00:12:51.000 When you add up everything for the year, let's just do the map here real quick, right?

00:12:54.000 Let's say you bought a new car today.

00:12:56.000 At seven what?

00:12:58.000 34 by 12.

00:13:01.000 That's almost 10k.

00:13:03.000 And that's it, doesn't include insurance, repairs, or any miscellaneous things happen in your car.

00:13:08.000 So that's 10k basically, guys, for a new car plus your car, your actual um other expenses.

00:13:14.000 Now, mind you, uh I've seen it where kids well, 12 years ago, right?

00:13:20.000 I was wanting a BNW.

00:13:22.000 Funny, I know, right?

00:13:23.000 And I would see kids that are like 19, 20, appearance also being done being like, okay, how do you acquire this car?

00:13:28.000 Because this was his parents, how's he getting this brand new BNW?

00:13:32.000 But what's happening is they work their job or clever the parents and they're barely affording the car because they're using all the money towards car payment.

00:13:40.000 And technically speaking, you're supposed to have 10% of your money into a car max.

00:13:44.000 More than that, you're crazy.

00:13:46.000 But they're spending when you say 10%, I mean as in like 10% of your savings.

00:13:49.000 Of your income.

00:13:49.000 Over income.

00:13:50.000 So 10% should go towards your car payment.

00:13:53.000 Monthly.

00:13:53.000 So if you make 10,000 a month, you shouldn't be making you shouldn't be spending more than a thousand dollars.

00:13:57.000 Exactly.

00:13:58.000 Wow.

00:13:58.000 But they were spending 50 or more percent of their income, of course, on cars.

00:14:01.000 Because they live at home.

00:14:01.000 Yep.

00:14:01.000 That's a luxury they have.

00:14:03.000 So you see in these cars, fellas, you don't know how they're doing it.

00:14:06.000 And for the most part, people are just winging it.

00:14:08.000 Or just live with their parents.

00:14:09.000 So they can afford these cars because they live at home.

00:14:11.000 Now, but for most Americans, though, um what's coming next is gonna be catastrophic.

00:14:17.000 And I say that because markets are up and down.

00:14:20.000 Uh crypto might go on as well.

00:14:23.000 But the main thing is that your actual budget and your income itself is stationary.

00:14:27.000 So you have to be smart with it and move accordingly.

00:14:30.000 So the number thing you could do, guys, is get rid of your car ASAP because that might be your biggest uh deterrent to wealth at this point.

00:14:37.000 What's it say you?

00:14:38.000 Um, I mean, I told you guys a couple of things, man, that you should stay away from.

00:14:43.000 I think fine dining, luxury cars, um, just luxury items in general are are all a scam.

00:14:49.000 Designer clothing, all that stuff is basically.

00:14:53.000 I wouldn't purpose today, by the way.

00:14:55.000 What is a purpose today?

00:14:56.000 Okay.

00:14:56.000 It's all a Mary's shirt.

00:14:57.000 Okay.

00:14:58.000 Yeah.

00:14:58.000 So, like, guys, fine dining, fat uh, you know, designer clothing, uh, nice cars, it's all a scam, bro.

00:15:06.000 Honestly, um, it's you know, it's a purport of certain type of status or whatever, and I get a lot of you guys, oh, what a good girls, blah blah.

00:15:11.000 But then you're gonna end up making yourself broke in the long run, right?

00:15:14.000 And kill your wealth, you know, four girls. 0.98

00:15:15.000 And honestly, I think going to the gym, getting in good shape, you know, wear some like cheap clothes, you're gonna look good in it because you know it fits you well.

00:15:24.000 And you'll probably go further with that than you know, spending a whole bunch of money on designer and nice cars and everything.

00:15:29.000 And the other thing too that I think that people need to understand is that um I think like Mercedes C classes, Audi A4s, you know, um, you know, BMW 3 series, like these cars are like the what I call like the beginners of like they're entry-level luxury cars.

00:15:44.000 Yeah, right.

00:15:45.000 But the problem is that they're designed specifically for people that aren't rich yet but want to give that look rich vibe.

00:15:51.000 And I think it's worse.

00:15:54.000 Let's say you make 150,000 per year.

00:15:55.000 I've said this a few times on my thing, but I'll say here too.

00:15:58.000 Like making 150,000 per year, right, is actually worse than making 50,000 dollars per year.

00:16:02.000 Now, explain what I mean by this.

00:16:04.000 What's up happening when you make 150,000 is you have enough money to get entry-level luxury goods, right?

00:16:11.000 And maybe go on a vacation here or there, you start to finally get a taste of like the better life.

00:16:16.000 Yeah, a lot of people don't have the discipline though to make that kind of money and not fully uh engulf themselves in this luxury life, right?

00:16:24.000 At least when you're making 50k per year, you know you're a brokeie a lot of the times and you can't do certain shit.

00:16:28.000 You know that you can't go on multiple vacations, you know that you'll go buy a Rolex, you know you can't be buying bottles in a club like that.

00:16:34.000 You're you have to be far you're you're more far more aware of your financial limitations, which I think is good for most people because most people have a spending problem, right?

00:16:43.000 Yeah, as well as earning problem.

00:16:45.000 But when you add the two together, it's even worse.

00:16:47.000 So when you're making 50k per year, your limitation, your financial limitations keep you from doing them things.

00:16:52.000 But when you make 150k per year, 200k per year, this is a dangerous territory because you actually can't afford some of this stuff, right?

00:16:59.000 What ends up happening is you buy this nicer stuff, you get a bigger bill, now you're on these subscriptions, you know, paying this monthly fee because you want to, you know, be able to do certain things.

00:17:09.000 Um, and then you put yourself in perpetual debt, right?

00:17:11.000 You can get yourself an entry-level Rolex.

00:17:12.000 You can go ahead and get yourself a C a C class Mercedes, right?

00:17:15.000 Even an E if you want to really stretch it out.

00:17:17.000 And most people tend to go towards the red line of where they stand financially, and that could create a lot of problems for you as well.

00:17:24.000 So for all the guys out here that are like low six-figure earners or you know, two, three hundred, four hundred thousand, um, you can still put yourself in a really bad financial predicament.

00:17:34.000 They said something like 56% of people that make six figures a year, 100,000 more, still are pay living paycheck to paycheck.

00:17:40.000 And if you're still living paycheck to paycheck while making that kind of money, um, a lot of the times that means that you are buying unnecessary things most of the time.

00:17:48.000 You're not really, you know, you're living in an expensive area, you're maybe spending too much money on going out, you're spending too much money on food, you're spending too much money on certain luxuries that you might not necessarily need.

00:17:57.000 Yeah.

00:17:58.000 Um, you should be able to live on 100k, no problem.

00:18:01.000 So you described the middle class.

00:18:03.000 Assuming you're not balling out or trying to totality.

00:18:05.000 That's the middle class right now. 0.86

00:18:06.000 Yeah, that's it's almost like gone because they're priced out.

00:18:09.000 At this point, you said it.

00:18:10.000 The luxury items that they bought, houses that they bought were next level, but lifestyle, obviously, inflation is a real thing.

00:18:16.000 And that's there's a reason why they have certain tiers, guys.

00:18:18.000 There's a reason why there's a three series BMW versus the seven series, right?

00:18:22.000 There's a reason why there's a C class Mercedes versus the S. Like they're trying to hit as many people as they can.

00:18:27.000 And a lot of the times what ends up happening is when people buy that C class, like that's them maxed out on the amount of money that they get that they can that they qualify for to get that loan, right?

00:18:36.000 For that car.

00:18:37.000 So they do this on purpose to bring in as many people as possible to make these car payments because they make the money off the payments, you know, not necessarily off of I mean they make money if you buy cash as well, but they would prefer for you to finance for obvious reasons.

00:18:51.000 So to your point, this is the actual wealth killer here.

00:18:54.000 So most car dealerships don't sell cars.

00:18:57.000 You know what they sell?

00:18:59.000 Um, yeah.

00:19:01.000 Yeah, yeah.

00:19:01.000 Finance fellas.

00:19:02.000 So that means you're not really buying a car, you're buying the actual agreement for leasing or financing from the dealership.

00:19:08.000 Normally it's owner financing, sorry, uh in-house financing for them, so they get the best terms for themselves, not for you.

00:19:15.000 But that means basically, guys, let's say you go to a dealership, right?

00:19:17.000 You want to pay cash for a car.

00:19:18.000 They'd be like, uh, we don't really want cash because they know if they sell you cash, they don't make money off the uh finance.

00:19:24.000 However, they got a report.

00:19:25.000 They're gonna say we can give you a better better deal if you just finance, you know, we'll lower the the multiple payment, we'll lower this and that, lower the price of the car, just get into a finance deal.

00:19:33.000 And that's what they have it's funny.

00:19:35.000 Cause like I didn't know this going to the game how American system works for cars, but that's why they make most of their money.

00:19:41.000 So the average American is like, oh, I can get a lower car payment, I'll go do it.

00:19:45.000 But smart people understand it's exit that matters.

00:19:48.000 So my manager Pedro McDemie talks about this all the time.

00:19:50.000 When you look at a car contract or car deal deal yourself, look at the exit.

00:19:54.000 How do I get out of this car in two to three years if I get bored of the car, right?

00:19:58.000 And what happens is people buy the car and they get bored of it and say, Oh shit, I need a new car.

00:20:02.000 What do they do?

00:20:03.000 Go to dealership again, probably saying one or a higher one, trading that car for the new car, but then add on what?

00:20:10.000 Negative equity to that car.

00:20:11.000 So mind you, they have their old car, not paid off in full yet.

00:20:14.000 They have negative equity in this car, they want a new one.

00:20:16.000 Let's say they want that they got a BNW three series, they want seven series.

00:20:20.000 They'll go about the BNW, trading this uh three series for seven series, and they add on a negative equity into this car.

00:20:26.000 So now you have multiple issues because you're paying interest on this high-ass loan and they have equity uh uh equity as well, which means you're gonna have multiple points of contention because let's say you gotta save money for your assets.

00:20:39.000 How do you do this?

00:20:40.000 Because you're paying interest and a high car payment for a car that's uh burdened with high um equity.

00:20:46.000 So this is where I say all the time, guys, you gotta look at these deals as for example, what they are, not for the car because we're all emotional when we go buy cars.

00:20:54.000 Oh, I want this car, it's my dream car, bro.

00:20:56.000 I'll pay anything for it.

00:20:57.000 I was there, I did it too, but looking back on it, you gotta move smarter.

00:21:01.000 So the end all bill, guys, is that when you go to buy a car, especially nowadays.

00:21:05.000 Um, well, first of all, you shouldn't buy the cars now anyway.

00:21:07.000 You should wait until after this shit happens with the rates with the feds.

00:21:10.000 But if you're gonna buy a car, look at a contract.

00:21:13.000 If I pay this car off, how much interest I'm gonna pay for this entire term.

00:21:19.000 And funny enough, if you look at the actual uh terms of this disagreement you pay most of the time, you're paying double for the car when it's all said and done.

00:21:26.000 So it's a bad bet because most people should pay their cars off in cash, but most people can't because obviously it's a lot of money.

00:21:34.000 So what happens is let's say the car, let's say there's two cars, right?

00:21:37.000 One car is for I don't know, 5k, right?

00:21:41.000 But you only have like let's say 3k, but the other car for 10k, that's nicer, right?

00:21:47.000 Lower mileage, newer car.

00:21:49.000 You're like, all right, cool.

00:21:50.000 The 10k seems better.

00:21:51.000 And they say, you know what, just put that 3K down, get the 10k car, and drive off.

00:21:56.000 You're good.

00:21:57.000 But they don't they don't tell you that like the car for 5k that you would have got, you only owe 2K on it, a little bit of interest, you'd be done within that year or so, and you're good to go.

00:22:05.000 But 10k, if you lose your job, you know, if your parents, if you get sick, if you end up not working as much as possible, you might lose your car and get repo, right?

00:22:14.000 And they don't care because they're gonna take it back, sell to somebody else.

00:22:17.000 So this whole thing is made towards uh finance more than the car itself, which is why to me, you're not really buying a car, you're buying actual rental or a lease, if that makes sense, because the car isn't yours.

00:22:28.000 If you don't make make all the payments, they just take it back to sell to somebody else.

00:22:32.000 So for Americans, uh, even for myself as well, I just think that like right now, there's not a lot of education on cars itself, and most people get into these things because they don't know better.

00:22:42.000 Um, I didn't know better.

00:22:43.000 Now I know way better than I did before.

00:22:45.000 I'm making excellent deals now, and my friends are as well.

00:22:48.000 So I just felt the burden of sharing this with you guys because to me, if I can say one person making this bad mistake with their finances and ruined their actual wealth, then uh, you know, we did our job here.

00:22:58.000 Uh, but my is a good example because Myron just focuses on our real estate, working, and you still have your old Honda, right?

00:23:04.000 Yeah, I still have it.

00:23:05.000 Uh I never drive it, but um, you know, uh I have it if I need it.

00:23:09.000 I I look, man, I I think um, you know, I get it.

00:23:13.000 Some people want a nice car, they want to be taken seriously, they want to be able to say, look, I'm of a certain status, right?

00:23:18.000 Um, but I I think, especially if you like live in a major city area and you don't need a car, you don't need it, you know, then obviously, you know, stay away from it.

00:23:28.000 But if you're obviously if you're driving a lot, right, and you need a car because you drive all the time and you don't want to put wear and tear, or you got an old non-reliable car, that's fine.

00:23:35.000 But I would always say, like, I think the best thing to do is just buy like a cheap Ronda or some type of Japanese car, four cylinder, um, that's good on gas, and uh buy it cash, own it, right?

00:23:46.000 And um don't have to worry about a car payment because car payments are a pain, man.

00:23:49.000 So let me tell you a story that happened to me actually uh a couple months ago, right?

00:23:54.000 Remember, I used to wear those big ass monkey chains, and uh, you know, the big watch, and I was like, I was not I'm that nigga, right?

00:24:01.000 No, I was not.

00:24:04.000 Actually, what I was was a dummy.

00:24:05.000 Uh so you know, I met some billionaires that we both know, and they don't show their wealth like that.

00:24:11.000 They pretty much just have a paid off house, payoff cars, and they just put money towards the businesses.

00:24:17.000 They don't spend money, you know, stupidly, they don't show it because quite frankly, people don't need to know your your business.

00:24:24.000 But you know, obviously social media world, marketing, I did some stuff.

00:24:28.000 But they spoke to me.

00:24:29.000 Listen, bro, we love you, bro, but you gotta work on some shit, bro.

00:24:32.000 Because this is this some dumb shit.

00:24:34.000 And um I listened.

00:24:35.000 You know, I sold a lot of stuff, got rid of all that blah blah blah.

00:24:38.000 And what happened was I was I was happier having less.

00:24:41.000 Way happier because again, what makes you happy?

00:24:44.000 Not what you have, it's who you are.

00:24:47.000 So, all in all, if billionaires can do this successfully, okay, you guys watching as well, because you don't need all this shit, man.

00:24:54.000 You really don't.

00:24:55.000 And you're a good example of that because you don't have much either.

00:24:57.000 So it's good.

00:24:58.000 Yeah, I mean, I think uh being a minimalist is like really one of the best things you could do because when you own a lot of things, what ends up happening is you start getting like stressed out.

00:25:06.000 You all you you know, you start to be like, oh, I got this car, why can't I get this one?

00:25:09.000 Oh, I want to be a collector now, oh, I want to do this.

00:25:11.000 So um, you know, attaching yourself to materialistic things is the problem is that you're never gonna be satisfied.

00:25:17.000 You're gonna want to buy a new thing, you're gonna want to get whatever, right?

00:25:20.000 Um, you know, like myself, I give you guys an example.

00:25:23.000 So, like I bought an AP and I bought two Rolexes, right?

00:25:25.000 And I was like, oh, you know, I want to get this next Rolex, but then I had to stop myself.

00:25:28.000 I was like, wait, whoa, wait, wait, wait, wait.

00:25:29.000 What the fuck?

00:25:30.000 Why the fuck do I need this?

00:25:30.000 Yeah, right.

00:25:31.000 I wanted to go get the Arab dial um, you know, um I wanted to get an Arab dial pres uh a Rolex uh presidential, the blue face one, right?

00:25:39.000 Um which is worth like a hundred something thousand.

00:25:41.000 I was like, holy shit.

00:25:42.000 But you know, I didn't get it, and and I'm glad that I didn't because I cut it uh, you know, I used that money instead to invest in real estate.

00:25:48.000 But I have to stop my stupidity for a second to say, well, well, you know, hold the gun now.

00:25:52.000 I still have the Rolexes that I bought, right?

00:25:54.000 And thankfully all of them appreciated.

00:25:55.000 Um because I bought like very plain gins.

00:25:57.000 I got uh uh a Pepsi Rolex and I have um you know the Coral Red Oyster Perpetual, and then I have um the AP blackface. 0.77

00:26:05.000 But you know, I bought watches, even though it's like some nigga shit, I bought watches that I knew would hold value, right? 1.00

00:26:10.000 APs and certain pieces of Rolex right now.

00:26:13.000 And they're up, right?

00:26:13.000 So I'm up on all of them.

00:26:14.000 But uh yes, that that is the presidential, yeah.

00:26:17.000 The presidential day day is the uh uh yeah, that's what I was gonna get.

00:26:20.000 Yep, that's precisely that is precisely that's just clean.

00:26:23.000 That was the Arab dial one.

00:26:24.000 That's what I was gonna get.

00:26:25.000 Damn.

00:26:26.000 Um that's clean, bro.

00:26:27.000 Yeah, it's very nice.

00:26:29.000 Um but um, but you know, you look, I had to you know, I had to say uh stop being a fucking idiot, right?

00:26:33.000 I said to stop and I was like, no, no thing.

00:26:37.000 You know, I just didn't do it.

00:26:38.000 Um and I took that money and I saved it anyway, and I think I ended up buying like uh property instead.

00:26:43.000 Nice.

00:26:43.000 But um, but yeah, dude, like uh the problem with material things is like you always want to get more and more and more, and it creates issues.

00:26:50.000 So, you know, you get one nice watch and like I want to get this one, I want to collect, blah, blah, blah.

00:26:53.000 And then it's like, does it really benefit you?

00:26:55.000 Very rarely does buying these luxury items actually make you money back, right?

00:26:58.000 Uh you have to be very good At what you do, you have to buy certain pieces.

00:27:02.000 Um, and then the other thing too is like let's say you get robbed, right?

00:27:05.000 You make yourself a target for no reason.

00:27:06.000 Remember, we were in, I'll never forget every time we went to London, we could have worn a Rolexes, bro.

00:27:10.000 I remember I was there with Justin Waller and Fresh and shit like that, and we everywhere we went, Sterling was there with us.

00:27:14.000 None of us wore Rolexes in London because there's like a whole uh Rolex crew that robs people.

00:27:19.000 So, you know, do you really want to make yourself a target, right?

00:27:22.000 For everything.

00:27:22.000 So look, I think I have a one nice watch, maybe um, that you know is gonna appreciate a very good plane Jane that you know is gonna hold value, maybe a submariner or something like that, basic is fine uh for special events.

00:27:34.000 But in general, man, like luxury items are a scam, dude.

00:27:37.000 They're they really are a scam.

00:27:38.000 And fine dining too is another scam.

00:27:40.000 Komodo and Nobu and all these other fancy places once a year, whatever for a birthday.

00:27:44.000 But dude, realistically speaking, is the food really that great?

00:27:47.000 No, it's not.

00:27:48.000 Well, hold on, hold on.

00:27:49.000 Let me let me uh we're just nope.

00:27:53.000 They're really not, bro.

00:27:54.000 Nope.

00:27:55.000 The food is amazing, but it's bad for you.

00:27:57.000 This is what I'll say, though.

00:27:58.000 Uh for every no, you know, a birthday, a celebration, you know, client.

00:28:03.000 You could you could go Komodo sometimes, you know what I'm saying?

00:28:05.000 Nah, man, it's shit trash.

00:28:06.000 But no, you're you're right.

00:28:07.000 Find nighting is a scam.

00:28:08.000 And we know who owns it too, which makes it even worse.

00:28:09.000 I could find better.

00:28:14.000 But uh just to add to your point real quick.

00:28:16.000 Grumman's a Zionist. 0.73

00:28:18.000 He is what?

00:28:20.000 Every single time, bro.

00:28:21.000 It's a comedy skip.

00:28:22.000 Hey man, uh, we're comedians.

00:28:24.000 Yeah, so so back to cars.

00:28:25.000 So yeah, um, the point is though, is that like people that are actually up there in the wealth class, they move differently.

00:28:32.000 And the more watching, the more I see them how they move and like, oh, okay.

00:28:35.000 Now I see why you do what you do because now I'm here, it's kind of like I see why you do what you do.

00:28:39.000 Uh, but for people watching this this show, right?

00:28:42.000 Look at it this way.

00:28:43.000 Cars can destroy your wealth, 100%.

00:28:46.000 And you buy the wrong car, you're cooked.

00:28:48.000 Actually, there's a video, Bills.

00:28:49.000 You could bring up real quick to kind of illustrate this in more detail.

00:28:51.000 But this video is from this uh Humphrey.

00:28:54.000 Sorry, Humphrey.

00:28:55.000 Shout out to him.

00:28:57.000 Here we go.

00:28:59.000 I think you said it right the first time.

00:29:00.000 Yeah, Humphrey.

00:29:01.000 This is the biggest wealth killer that nobody talks about, and no, it's not your daily coffee.

00:29:06.000 It's actually the car payment and spending money on cars.

00:29:09.000 More than ever, record shares of Americans are paying over a thousand dollars or more on monthly car payments.

00:29:14.000 And I think a lot of this is driven by status and everyone wants to appear that they're successful, and cars represent that.

00:29:20.000 When it comes to the true cost of owning a car, even on a 2023 Honda Civic, the true cost to own over five years is 42,000 or over $8,000 a year.

00:29:28.000 When you're young, try to keep your car payments less than 10 to 15% of your gross monthly paycheck.

00:29:33.000 Let me know what your car payment is in the comments.

00:29:35.000 This is the biggest wealth killer that nobody talks about.

00:29:38.000 The average car payment.

00:29:39.000 You said it's what five something in America.

00:29:42.000 Well, this is actually lowered.

00:29:44.000 His might be more accurate than mine.

00:29:46.000 Um keep in mind, they don't count for actually all luxury cars, just cars in general.

00:29:51.000 Yeah, yeah, yeah.

00:29:51.000 I'm going, yeah.

00:29:52.000 But the car market, people buy luxury because they want to look good.

00:29:56.000 So this actually might be the actual price of a thousand dollars.

00:30:00.000 But I'm saying for the average car payment just for anybody is $525.

00:30:03.000 Yeah, $533.

00:30:03.000 That's still ridiculously high.

00:30:05.000 And the average American doesn't even have $500.

00:30:07.000 It's uh doesn't have uh doesn't have the ability to cover $500 expense the average American.

00:30:11.000 A thousand dollars in savings.

00:30:12.000 Yeah, so imagine just trying to get ahead now in your life.

00:30:14.000 Yeah, you put it towards the car, it's a good kill all your wealth.

00:30:16.000 You're making every single payment like by the skin of your teeth, man.

00:30:19.000 I remember we were in was it Romania?

00:30:21.000 I remember I was, yeah, we were in Romania.

00:30:24.000 We just got paid.

00:30:25.000 I was like, yeah, this is great, bro.

00:30:26.000 Right?

00:30:27.000 And then I saw a withdrawal.

00:30:29.000 I was like, nigga, what?

00:30:31.000 Really, nigga. 1.00

00:30:32.000 This is payday.

00:30:33.000 What the fuck?

00:30:34.000 It was my car payment.

00:30:35.000 Uh nigga. 1.00

00:30:37.000 Bro, when I got that payment, bro, taking out, I was like, my heart.

00:30:40.000 Yo, I was like, dog, this is expensive.

00:30:42.000 I'm not driving the car right now.

00:30:43.000 We're in Romania doing this shit for Andrew.

00:30:45.000 Yeah, yeah, right.

00:30:45.000 And I can't even like enjoy the car.

00:30:47.000 Yeah.

00:30:47.000 So, guys, mental clarity as well as freedom is the best ever.

00:30:52.000 Because again, you can focus on putting your energy towards it towards work.

00:30:56.000 You really want to know?

00:30:57.000 I mean, I think they might be able to learn.

00:30:59.000 Really nigga. 1.00

00:31:00.000 You could tell them.

00:31:00.000 All right, bro.

00:31:01.000 It is it's pretty sweet, though.

00:31:02.000 We gave this because this is the big boy Lambo. 0.89

00:31:05.000 We should have never.

00:31:05.000 What kind of limbo?

00:31:06.000 Was it the SVJ one?

00:31:08.000 This was.

00:31:08.000 Did you have that back then?

00:31:10.000 Yeah.

00:31:11.000 I gotta know how.

00:31:12.000 I do.

00:31:13.000 But this one was yo, you really want to know the payment, bro?

00:31:16.000 Yes.

00:31:16.000 Yo, chat.

00:31:17.000 I think they can learn.

00:31:18.000 If we if if we get if we get how much likes on the video.

00:31:24.000 This is this is this is tough.

00:31:25.000 You got about 3,000 of these guys in here watching between the different platforms.

00:31:29.000 On YouTube, unacceptable.

00:31:30.000 Nah, nah.

00:31:31.000 We need at least.

00:31:32.000 Oh, yeah, guys, we're also gonna open up the phone lines.

00:31:33.000 Uh, we're keeping the the part where we talk to you, the monologue part of our thing low, and then uh we're gonna open it up for QA for you guys as well.

00:31:41.000 Yeah, but we need at least 500 likes, man.

00:31:43.000 let's get 1,000, bro.

00:31:44.000 1,000 likes, bro.

00:31:45.000 Don't say it, and I'll tell you guys what happened with that Lambo actually. 1.00

00:31:48.000 But yeah, man.

00:31:48.000 Um so all in all, fellas, just from my experience and from what I've seen in the marketplace, working with dealerships around uh South Florida around the world.

00:31:57.000 Yeah, cars are a bad bit because it's it's finance, fellas.

00:32:00.000 You just you just finance the interest and the car, but let's be honest here.

00:32:04.000 Who pays off their car in full?

00:32:05.000 Who does that?

00:32:06.000 Nobody.

00:32:06.000 You either lose your job, get repo', or you change cars and you level up to a different car.

00:32:12.000 But again, interest look, you know what?

00:32:15.000 I'll give you a good example.

00:32:17.000 One car, right?

00:32:18.000 Is worth we should open up the phone lines, right?

00:32:20.000 We should, yeah.

00:32:20.000 Yeah, open up the phone lines.

00:32:21.000 So one car is worth three problems, right?

00:32:23.000 So think of this of it this way.

00:32:25.000 If I have three cars, I have how many problems?

00:32:28.000 Three, no, nine.

00:32:30.000 Cause three, no, sorry, because remember, it's three cars.

00:32:34.000 Yeah.

00:32:34.000 So it'd be nine problems.

00:32:36.000 Each car has three problems in itself.

00:32:38.000 Electrical, engine, and miscellaneous, right?

00:32:42.000 So your car also is gonna have issues.

00:32:44.000 Which means over time, those issues are gonna cost money, plus insurance, plus car payment.

00:32:51.000 You're paying way more than a car costs.

00:32:52.000 So let's say car cost you 30k, 40k?

00:32:55.000 No, no, it doesn't cost you at least in that year, 10 to 15k minimum.

00:33:00.000 So that's that's just like people don't see it because they don't understand how it works, but like cars, fellas, it's a fucking hole.

00:33:06.000 I've been there.

00:33:07.000 So not free, but I've been there.

00:33:09.000 Uh do we get the 1000 likes?

00:33:11.000 You want so you can tell them what you paid uh uh let's see.

00:33:16.000 Bro, that's crazy, man.

00:33:18.000 Yeah, but the more you know the better, man.

00:33:19.000 And the more knowledge you guys are.

00:33:20.000 Bro, if I was sp I'd be pissed off if I was paying a thousand dollars a month.

00:33:23.000 Yeah, for a car.

00:33:24.000 Even me at this point.

00:33:25.000 I'd I'd be paying like I'm gonna look at it like it's a robbery.

00:33:28.000 Like, what the hell?

00:33:28.000 I'm getting there.

00:33:30.000 Especially since I don't drive.

00:33:31.000 So it's like we're at 500 likes.

00:33:34.000 So almost there, but 1,000, didn't you just not quite?

00:33:36.000 1,000.

00:33:36.000 You guys see uh how much fresh was paid monthly for his uh cars, because I don't even know, honestly.

00:33:42.000 But guys, uh phone lines are open, right?

00:33:44.000 Bills?

00:33:45.000 Yes, yes, they are.

00:33:46.000 Cool.

00:33:48.000 All right, phone lines are open.

00:33:49.000 646, guys, 490394.

00:33:52.000 Again, uh to call into the show, 646490394.

00:33:55.000 Call in with any questions you guys got on, you know, real estate, um, cars, financing, credit, any of that stuff, uh index funds, cryptocurrency, whatever you guys are.

00:34:07.000 Actually, matter of fact, we got Charlie Miguel coming in about a week and a half for crypto.

00:34:10.000 So also, what's your car payment, fellas?

00:34:12.000 What do you pay in a month for your car?

00:34:14.000 Zero, 200, 1,000.

00:34:16.000 What's got your car payment?

00:34:18.000 Yep.

00:34:19.000 So um yeah, guys, smash the like button so we can uh go ahead and get uh fresh's um so you guys could find out what his um uh car payment was back then.

00:34:29.000 You had two Lambos at that time.

00:34:32.000 No one.

00:34:33.000 One?

00:34:33.000 Okay, yeah.

00:34:34.000 What did you have?

00:34:35.000 Which one?

00:34:36.000 Uh SVJ.

00:34:38.000 My dream car, so to speak.

00:34:40.000 It was cool.

00:34:40.000 Isn't that like a million dollar car?

00:34:42.000 You said it was cool.

00:34:43.000 Yo, that was your dream car.

00:34:44.000 You just said it was cool.

00:34:45.000 Yeah, but that was height in the market when it was like booming, people were going crazy.

00:34:51.000 Yeah.

00:34:51.000 You bought it for how much.

00:34:55.000 Well, remember, I need to.

00:34:58.000 I didn't I didn't pay the full the full car off.

00:35:00.000 So I just put money down and I had the car.

00:35:02.000 Gotcha.

00:35:03.000 Yeah.

00:35:04.000 So yeah.

00:35:05.000 Damn.

00:35:07.000 All right, guys, smash that like button so you guys can go ahead and get uh figure that out.

00:35:10.000 But yeah, 646496.

00:35:12.000 500 car payment, okay.

00:35:13.000 445.

00:35:14.000 Damn, bro.

00:35:15.000 230.

00:35:16.000 I'm telling you, bro, a lot of this is happening under the radar because people aren't aware of what's happening.

00:35:20.000 And before you know it, you're losing money.

00:35:22.000 Bro, why paying so much in investments and assets, and even it's even into yourself.

00:35:26.000 Spending money on thing that you want to spend money on rather than a car, but it's like uh wow.

00:35:31.000 It's tough, bro.

00:35:32.000 That's wild, man.

00:35:34.000 We did a call with Yusuf, a Zoom call with you said for Castle Club.

00:35:37.000 Yo, you should have heard the calls in there, bro.

00:35:39.000 Like it was like negative equity after negative equity was bad.

00:35:42.000 People were like losing their their cars, getting repossessed, houses and shit like that.

00:35:46.000 Because money's just draining from people's pockets.

00:35:48.000 They don't know why.

00:35:49.000 Well, your car payment, bro.

00:35:51.000 Your car is absolutely nuts, dude.

00:35:53.000 Yeah.

00:35:53.000 Wow.

00:35:57.000 All right.

00:35:58.000 Uh phone lines?

00:35:59.000 Yep.

00:36:00.000 Yep.

00:36:00.000 Cool.

00:36:01.000 And as you guys know, if you want to cut the phone lines, just uh, you know, put the last four disappearance super chat in, and we'll get you to the front.

00:36:07.000 Let's go ahead and uh get the first person on the line.

00:36:10.000 8003, you are up.

00:36:12.000 8003, you are up.

00:36:16.000 Yo, what's going on, fresh and fit?

00:36:18.000 Yo, what's up, bro?

00:36:19.000 What's your question?

00:36:21.000 So I'm currently in college.

00:36:22.000 I'm going for accounting.

00:36:24.000 Um I'm in a pretty good financial spot where I'm not paying for my car.

00:36:29.000 Uh my college is basically free.

00:36:31.000 And I'm just wondering what should I do at twenty years old to increase my income.

00:36:37.000 You have a job.

00:36:39.000 Uh yes, sir.

00:36:40.000 What do you do?

00:36:42.000 Uh I have a landscaping business and then I also do Taco Bell on the side with an accounting internship.

00:36:48.000 All right.

00:36:48.000 How much uh does your landscaping business earn you?

00:36:52.000 Right around 300 a week.

00:36:55.000 Okay, so you like business.

00:36:56.000 You landscape for people or do you do it all yourself, I'm assuming?

00:37:00.000 Uh yeah.

00:37:01.000 Okay.

00:37:02.000 Um so you make 300 a week doing that, and then uh you said you do something with Taco Bell.

00:37:08.000 Uh yeah, I just work there part time, maybe like 10 hours, 15 hours a week if I'm not getting clients to do work for, and then my internship is gonna pay me about like four or five hundred a week and then Taco Bell like two hundred.

00:37:22.000 Yeah, I mean, uh, it seems like you got uh, you know, diverse uh uh panel right there of jobs that you have.

00:37:29.000 I mean, uh realistically speaking, bro, you know, I would say it like is your study is your like coursework very uh difficult or is it is your course load hard or do you have a lot of free time?

00:37:42.000 Uh I I would say I have about thirty hours of free time.

00:37:45.000 I forgot what show you guys did, but um I calculated how much free time I had in my day.

00:37:50.000 I think it was with Brandon Carter.

00:37:51.000 Probably a brand new.

00:37:53.000 So I'm just sitting there, I'm like, shit, what can I be doing within these 30 hours?

00:37:58.000 Yeah, increase my skill set, increase my income.

00:38:01.000 Um been looking for mentors as well.

00:38:04.000 Yeah, I mean, I would say, bro, um, you know, whichever of the three that you prefer to do, obviously do that the most and see what you can do it, but obviously one of them is contingent upon having clients with like their landscaping stuff.

00:38:15.000 I would say maybe if you want, you could drop the Taco Bell and instead of doing the Taco Bell, you do like Uber or Uber Eats or something like that.

00:38:23.000 Because the good thing about that is like you could kind of do it on your time.

00:38:26.000 So like, you know, you can go ahead and clock in and work with Uber for a couple hours in between classes or whatever, so it'll give you a little bit more uh flexibility to kind of work on your time when you're not working.

00:38:36.000 So um that's an option.

00:38:38.000 But I mean I would say uh right now, dude, you're just in school, going to class, work as many hours as you can, fill up that calendar, and uh, you know, save that money as much as you can and and and you know, hopefully you graduate with college.

00:38:50.000 And you said you don't you're on a scholarship, right?

00:38:51.000 You're not like gonna be in debt or anything or yeah, yeah, no debt.

00:38:54.000 I'm in SUNY, so it's all paid for by the state.

00:38:57.000 Yeah, man.

00:38:57.000 So at this point, bro, it's really about you know getting out of school with as much money as you can saved.

00:39:03.000 Awesome.

00:39:04.000 Thank you.

00:39:04.000 And then like a little side question, my bad, bro.

00:39:07.000 I know you got other cars on the line.

00:39:08.000 So real estate is also something I'm looking into.

00:39:11.000 Uh getting into my first property.

00:39:14.000 How would you say I should do that?

00:39:16.000 Should I create like a savings goal?

00:39:17.000 Do I FHA loan?

00:39:18.000 Well, that's gonna be that's gonna be very contingent upon where you decide you want to live.

00:39:22.000 I mean, if you're at SUNY, I'm assuming you're in you know, somewhere in the state of New York.

00:39:26.000 Um, you gotta ask yourself, do you want to, you know, be tied to New York, you know, uh with a real estate property, at least for one year, if you especially if you do FHA.

00:39:37.000 I know the taxes here are pretty high compared to uh other places.

00:39:41.000 Very high.

00:39:41.000 But I'm I'm currently in Rochester, New York.

00:39:45.000 And uh it's growing as a market for real estate right now.

00:39:49.000 Everything's heating up, but I just I was also looking at uh Maryland as well.

00:39:53.000 What's the average home in Rochester go for?

00:39:55.000 There ain't nothing up there, so it might be cheap.

00:39:57.000 What what's the average home in Rochester right now?

00:40:00.000 Um I believe around three hundred thousand, it's really not that bad.

00:40:05.000 Yeah, I mean, you know, if you want to if you're cool with living in it for a year, right, and and getting your um and then renting it out, you know, you can get either a duplex or get yourself a um a single family home, three bedroom, uh, you know, two bath is the standard.

00:40:19.000 Um obviously at a single family home is gonna be cheaper than getting a duplex or a triplex.

00:40:24.000 But you know, I always tell people to go for the duplex to the triplex so that you can at least make some money that first year that you're in there or Live for free.

00:40:31.000 Um, because if you do the FHA loan, it's gonna cost more.

00:40:35.000 But uh well, it's if you do the FHA loan with a duplex or triplex, yes, it's gonna cost more.

00:40:39.000 But hopefully, you having c uh tenants in there is going to offset that where you're either A uh breaking even or B making a profit or C um losing just a little bit of money.

00:40:50.000 So you'll live damn near for free.

00:40:51.000 So it's worth it.

00:40:52.000 And then for that year that you're in there, uh, where you're living at a reduced or if uh free price or even cash flowing, um, you're able to save up your money and pick up your next house.

00:41:01.000 So um if you can, save up as much as you can to try to get yourself a duplex or a triplex.

00:41:05.000 If not, then get yourself a single family home and you could use the FHA loan to do that.

00:41:09.000 So yeah, just save that money, bro.

00:41:10.000 So that when you graduate from school, you can pick up a house.

00:41:13.000 Thank you, bro.

00:41:14.000 Shout out Fresh and Fit, man.

00:41:15.000 No problem, man.

00:41:16.000 Take it easy.

00:41:18.000 All right.

00:41:20.000 Normally I'd be against investing in New York, but Rochester, man, it's I've been up there once.

00:41:25.000 It's nothing up there, dude.

00:41:26.000 It's way up north.

00:41:27.000 So by the way, Ross donated 50 subs to the show.

00:41:30.000 Oh, appreciate you, my friend.

00:41:32.000 Dom Demon goes.

00:41:33.000 Also, investor as well in real estate.

00:41:35.000 So I'll shout to him.

00:41:37.000 Uh smart guy.

00:41:38.000 Yeah, yeah.

00:41:38.000 I bought a bunch of houses off the advice we gave.

00:41:40.000 Um, all right.

00:41:40.000 Uh again, guys, 646-490-0394 is the number to call into the show.

00:41:45.000 Um, if you want to skip the phone lines, go ahead and put the last four digits of your number when you super chat in, and we'll get you in.

00:41:50.000 But uh, who's up next?

00:41:51.000 5156, you are up 5156.

00:41:54.000 You are up.

00:41:56.000 Hello, you guys hear me?

00:41:58.000 Yeah, we got you, man.

00:41:59.000 Hit us with your question.

00:42:00.000 Yeah, just a quick question.

00:42:02.000 Uh uh, the Zoom call uh from yesterday.

00:42:04.000 Uh it's not on Castle Club, so we're gonna watch your replay.

00:42:10.000 Oh, uh Noble needs to post it uh told him today this morning.

00:42:12.000 So he didn't.

00:42:13.000 Thank you for letting us know.

00:42:14.000 Let Noble know as soon as uh he comes.

00:42:16.000 Is Noble here?

00:42:19.000 All right, we'll take care of you and put that in there, bro.

00:42:21.000 Yo for letting us know.

00:42:22.000 Fire call though, bro.

00:42:23.000 We got you.

00:42:24.000 All right, thank you.

00:42:25.000 Thank you.

00:42:26.000 All right.

00:42:26.000 Take it easy.

00:42:29.000 Yeah, guys, Zoom calls have a lot of sauce, man.

00:42:31.000 You get personal help as well as information that's not good for you too because certain shit I can't say because it's confidential, but uh, you know, by the scenes, we could kind of give you some hits more hints there.

00:42:42.000 Um things actually.

00:42:45.000 No.

00:42:45.000 Uh let's see.

00:42:46.000 Guys, smash that like button if you guys want to know what first is paying for his Lambos.

00:42:50.000 I think my own.

00:42:52.000 I think I have an idea, honestly.

00:42:53.000 But it's more we need to get our engagement up.

00:42:55.000 Give me a give me a ballpark. 0.94

00:42:56.000 It's probably like 20, 30,000 a month, easily.

00:42:59.000 Nigga, what? 1.00

00:43:00.000 Yeah, bro.

00:43:01.000 Easily.

00:43:01.000 I don't think.

00:43:02.000 Oh shit.

00:43:03.000 Oh shit.

00:43:05.000 You spend a lot.

00:43:06.000 I say 4K.

00:43:07.000 Nigga! 1.00

00:43:07.000 4K 5K. 1.00

00:43:08.000 I'll be bro.

00:43:09.000 I'll say 4K 5K.

00:43:10.000 Yo, my take fresh for a little?

00:43:14.000 Little.

00:43:14.000 You know who I am, nigga?

00:43:15.000 Oh, my bad, my bad.

00:43:17.000 My bad, big dog.

00:43:18.000 My bad, yeah.

00:43:19.000 My bad, big dog.

00:43:20.000 I'm counting all the cars you had at the time.

00:43:22.000 There was a time when this dude had like five cars, bro, at one time.

00:43:24.000 Okay, isn't uploaded the Zoom call now, Noble.

00:43:27.000 Yeah, 2020 and 30k, man.

00:43:29.000 Is it like easily?

00:43:30.000 Because I remember when Fresh had like five, six cars, bro.

00:43:32.000 At one time, like uh I remember Lambo, two Lambo, Tonkabo. 0.99

00:43:37.000 Mercedes, nigga shit, bro. 1.00

00:43:39.000 I did the most nigga shit possible. 1.00

00:43:40.000 Rolls Royce.

00:43:41.000 But I learned a lot too, you know.

00:43:43.000 Was it are you talking all cars or just one car?

00:43:45.000 One Lambo. 0.84

00:43:46.000 I'm talking about one car.

00:43:47.000 What the fuck, Fresh?

00:43:48.000 God damn.

00:43:50.000 That's still the same number of a guest?

00:43:52.000 That's just still like the same ballpark you have with one car.

00:43:55.000 Uh I think the SVJ is probably like, yeah, somewhere between 10 and 30,000 a month, probably.

00:43:59.000 Yeah.

00:43:59.000 Easily.

00:44:00.000 Shit.

00:44:01.000 God damn.

00:44:02.000 That's what I'm estimating.

00:44:02.000 Bombard's call.

00:44:03.000 I don't know.

00:44:04.000 Cheese on the city.

00:44:05.000 No way.

00:44:06.000 Was it more than that?

00:44:07.000 Or is it less?

00:44:08.000 I'm going to go ahead and do this.

00:44:10.000 10 or 30.

00:44:11.000 There's game incoming.

00:44:12.000 You guys will know.

00:44:14.000 Smash the fuck up.

00:44:14.000 I'll let you guys, man.

00:44:15.000 Like the video.

00:44:16.000 We love you guys, man.

00:44:17.000 Who's up next on the list?

00:44:17.000 It's coming.

00:44:18.000 Like the video.

00:44:19.000 Um the 8970, you are up.

00:44:22.000 8970, you are up.

00:44:25.000 All right.

00:44:25.000 8970.

00:44:29.000 Papo. 0.88

00:44:30.000 Demon.

00:44:33.000 So I got two questions.

00:44:34.000 One for fresh and then uh one for Myron.

00:44:36.000 But the one for fresh.

00:44:38.000 So, bro, I uh I ended up uh getting a little accident with my uh my baby.

00:44:43.000 It was a 2005 Acura RL.

00:44:46.000 You um now I'm actually uh looking into getting uh an upgrade.

00:44:52.000 I want to I want to upgrade from that, and I see a uh 2006 Mercedes uh CLS 500.

00:44:59.000 What are your thoughts on that?

00:45:01.000 So question for you, brother.

00:45:04.000 Do you have the car paid off?

00:45:05.000 The current one?

00:45:07.000 Oh, yes, yeah.

00:45:08.000 So let me give you more details on that accuracy.

00:45:10.000 So it was all paid off.

00:45:11.000 Tell me why the person in Navy Federal hit me up with like uh 70 per uh 17% interest rate.

00:45:16.000 Man, he got me good.

00:45:18.000 But I paid that off.

00:45:20.000 My credit went up, thanks to Myron's plans on Money Monday.

00:45:23.000 Awesome.

00:45:24.000 Pay your credit.

00:45:25.000 Uh CLS is not a cheap car, bro.

00:45:26.000 How much do you make per year?

00:45:27.000 Yeah, yeah.

00:45:29.000 So, okay, so this is gonna be uh part uh part two with Myron's question.

00:45:33.000 So I called him the other day um about my bartending.

00:45:36.000 This is Myron's favorite bartender over here, DC.

00:45:38.000 My name is Jervis.

00:45:39.000 Ah, okay, yeah, yeah.

00:45:40.000 And um you gave me some good advice, Myron, but I kind of wanted a little bit more detail, but my dumb ass didn't know how to uh give you a question because it was my first time calling in.

00:45:49.000 But that's part of the second question I wanted to ask.

00:45:51.000 Okay.

00:45:52.000 So first thing first, bro, um let's keep this very baseline, and we'll do an actual play out of this if you got this car, right?

00:46:03.000 So let's say you take this Acura, right?

00:46:07.000 And then you go to dealership for the Mercedes, right?

00:46:11.000 Do you know your value of your Acura right now?

00:46:14.000 Even though it's hit.

00:46:16.000 Um the value of the accuracy I pay when I bought it was like 14, 14k.

00:46:20.000 Okay, but and uh I put about only and I only put maybe like 15,000 miles.

00:46:25.000 So I want to say, and I was a second owner, so I want to say maybe the car, I didn't check it on Kevin.

00:46:29.000 No, no, no, no, no, no, no, no.

00:46:30.000 It's not maybe or assume is what it is.

00:46:33.000 Also, did you mention your car your car was hit before?

00:46:37.000 No, it wasn't hit.

00:46:38.000 It was uh that the accident that I got into the the guy jumped right uh with his truck and this tow hook.

00:46:44.000 It was more damaged than the car could be replaced.

00:46:46.000 So I ended up paying the car off with uh the wage gap.

00:46:51.000 Oh, so so so hold so hold on.

00:46:53.000 So you're telling me that the car was damaged, you fixed it and paid off in full.

00:46:57.000 No, no, no, no, no, no.

00:46:58.000 So the car was damaged, it was complete total total loss, and um they gave me the money and I pay ended up paying the whole vehicle off, and um now I'm looking for another car.

00:47:08.000 It's been three months since I'm gonna go to the house.

00:47:10.000 So now you have no since I'm paying like three thousand forty.

00:47:12.000 So now you have no car at all.

00:47:13.000 You just you just have the money from the car.

00:47:16.000 Yeah, yeah, right now I've been walking, walking, walking to work, walking to the bar that's right next to my house.

00:47:21.000 Perfect.

00:47:21.000 I'm a I'm a professional bartender.

00:47:22.000 So here's what I'm gonna say.

00:47:23.000 How much money do you have though?

00:47:25.000 Yep.

00:47:26.000 So I have two thousand.

00:47:27.000 I have two thousand, but uh uh that's another thing that I don't know if I want to put in that money or if I want to continue to try to build up my credit.

00:47:33.000 Yeah, bro.

00:47:33.000 So here's the issue, right?

00:47:34.000 Uh how much do you make a month?

00:47:36.000 Yes, sir.

00:47:36.000 How much do you make a month?

00:47:37.000 Um a month.

00:47:38.000 I want to say I'm making about 2,800.

00:47:42.000 Uh roughly no more than 3,200.

00:47:44.000 Bro, you have no business buying a Mercedes, bro.

00:47:46.000 You're fucking poor.

00:47:47.000 Yes, wrong with you.

00:47:48.000 But this, no, no, no.

00:47:49.000 You just gotta tell you, listen.

00:47:50.000 No, no, no, no.

00:47:51.000 Well, why are you even buying a car?

00:47:53.000 Wait, wait, huh?

00:47:54.000 You make not even three K a month.

00:47:55.000 He can get a car.

00:47:56.000 Hold on.

00:47:57.000 This hear me out.

00:47:58.000 Um, okay, so so my Myron, my uh let me let me just say this.

00:48:01.000 So, Myron, that's also what I wanted to tell you.

00:48:03.000 So, roughly a year I make about 33,000 per year.

00:48:07.000 That's not including my tip.

00:48:08.000 My tip will roughly I'm a very good skillful bartender, so bro, roughly with tips, I make about it.

00:48:17.000 You're you're no, bro.

00:48:18.000 No.

00:48:19.000 Hold on, hold on.

00:48:21.000 Call her, call her. 1.00

00:48:21.000 Let me just finish real quick, right? 1.00

00:48:23.000 So you want to buy a Mercedes.

00:48:24.000 I'm all for it, bro.

00:48:25.000 You should have a Mercedes.

00:48:27.000 However, let's do the math here, right?

00:48:28.000 So let's see you got this Mercedes.

00:48:30.000 Yeah, first bad.

00:48:31.000 No, no, no, no, no, no, no, no.

00:48:31.000 Hold on.

00:48:31.000 I'm about to lay it off for him right now.

00:48:33.000 Your insurance is gonna be probably $300 plus.

00:48:36.000 I guarantee you for Mercedes, right?

00:48:37.000 Right.

00:48:37.000 That's one thing.

00:48:38.000 Right.

00:48:39.000 So you can have a car payment for sure.

00:48:42.000 That's gonna average between we said earlier, between 700 to $1,000 plus, right?

00:48:48.000 And then you're gonna sucks.

00:48:50.000 Bro, interest is gonna be out the wazoo.

00:48:53.000 So let's add this all together for monthly monthly payment.

00:48:55.000 You're gonna spend on this Mercedes monthly.

00:48:57.000 You know how much you're gonna spend, bro?

00:48:58.000 At least $1,500.

00:49:00.000 Uh you don't make that much money.

00:49:01.000 Okay.

00:49:02.000 Also, economy's down.

00:49:03.000 Things are bad.

00:49:04.000 Tips are gonna be no bueno, because at some point, bro, they're gonna say, uh, well, you know, I want to eat, but I don't want to tip because I don't have money in my account.

00:49:13.000 So tips are good to uh uh, you know, go for it, but right now, bro, the economy sucks, bro.

00:49:17.000 So cut on tips is gonna be an L. So do the math there, bro.

00:49:20.000 If you're gonna spend $1,500 a month for a car for what you make, bro, it doesn't add up.

00:49:25.000 So you're gonna be car poor, bro.

00:49:27.000 So so so in this respect, you c you could buy the car, bro, but like you're gonna be fucked. 0.87

00:49:32.000 Keep it real.

00:49:35.000 Yes, uh, and I agree with you.

00:49:37.000 I a hundred percent I agree with you.

00:49:38.000 Uh, but I wanted to uh just also bring up the car is worth maybe nine thousand.

00:49:42.000 I know that the repairs and everything like that, and I will be driving this car on the weekends because I'm not I'm very humble enough to walk to work, save my money.

00:49:49.000 Thank God Myron has that plan and I am debt free.

00:49:52.000 Um so that's why the only reason why I was looking at a Mercedes, just because that stupid line, I deserve a car.

00:49:58.000 I understand.

00:49:59.000 Bro, you're fucking poor because I'm yo.

00:50:01.000 Look, I'm gonna be very honest with you, bro.

00:50:03.000 You're fucking stupid for even thinking about getting a Mercedes when you make $3,000 a month.

00:50:06.000 Are you fucking stupid?

00:50:08.000 Are you fucking dumb?

00:50:09.000 Like, and I gotta get and I get I gotta give you this this fucking, you know, I gotta give this to you very raw and tough now because you're fucking delusional if you think you're gonna go ahead and get a CLS, which is a very expensive vehicle, by the way, and be able to afford it on making three K a month.

00:50:22.000 My friend, you need to focus on making more money, not any fucking cars.

00:50:26.000 Also, 9K means also keep in mind that you're in the service industry that's contingent upon the economy being good.

00:50:32.000 People go out and drink when they have money, okay?

00:50:34.000 Right now is not a time uh for you to be buying liabilities like this when you can seriously be putting yourself in a very bad situation uh financially.

00:50:43.000 Because remember, bro, you have a job where the bar can get rid of you anytime.

00:50:46.000 People might not necessarily hire you.

00:50:47.000 So what are you gonna do?

00:50:50.000 I uh I do do uh a little side business uh where I do it.

00:50:54.000 And you live in an expensive area.

00:50:56.000 The DMV area is not cheap.

00:50:58.000 So, dude, you you need to you need to you need to seriously like reconsider what you're doing here, man.

00:51:04.000 Like, you gotta ask yourself, do you need this car?

00:51:07.000 The answer's probably no CLS get by with the with a cheaper car, man.

00:51:14.000 Gotta have issues, bro.

00:51:17.000 I would buy my sister.

00:51:18.000 It's a German car.

00:51:19.000 It's a German car.

00:51:21.000 Every time he goes to mechanic, it's gonna be sky high in prices because getting uh Mercedes or BMW service or anything else like that, everything is gonna be triple X. Mercedes maintenance bill for a used Mercedes.

00:51:33.000 Let me tell you, brother.

00:51:37.000 And you know why?

00:51:38.000 Hold on.

00:51:39.000 You know, you know why it's so big deranged because let's say it's mechanical.

00:51:42.000 One thing.

00:51:43.000 Electrical?

00:51:45.000 So, bro, this car can cost you way more than 9K if it's actually 9K.

00:51:49.000 And if that's if it's if it's 9K, bro, something's wrong with it.

00:51:51.000 It has issues, bro.

00:51:52.000 It's gonna have issues, bro.

00:51:53.000 Those cars will go between 13 to 16k minimum.

00:51:56.000 Okay, bro.

00:51:57.000 And I do, and I do, and I do have background.

00:51:59.000 I was certified I went to the city.

00:52:01.000 We don't care, bro.

00:52:01.000 Nigga, we don't care.

00:52:02.000 You can't afford a car, we don't care.

00:52:04.000 Mercedes, 2008.

00:52:05.000 Bro, bro, bro, bro, bro, bro.

00:52:06.000 Yo, you can't afford the car, bro.

00:52:07.000 Don't buy it, bro.

00:52:07.000 You don't buy it.

00:52:08.000 You can't afford the car, bro.

00:52:09.000 Okay.

00:52:10.000 No, no, no, and I appreciate I I I appreciate that that that.

00:52:13.000 So now my second question for you, Myron, and and maybe first you can help us out.

00:52:17.000 Well, what I would say, instead of you focusing on buying a Mercedes, you need to make more money, bro.

00:52:21.000 And and um three thousand dollars a month is unacceptable.

00:52:25.000 You're basically poor, bro.

00:52:26.000 If I'm honest.

00:52:27.000 Yes, living in DC making three thousand dollars a month.

00:52:30.000 Come on, man.

00:52:32.000 How many hours a week are you working?

00:52:34.000 And then I'm uh I'm working at roughly, I'm trying to get more than 40.

00:52:38.000 Uh there's no like I I don't work nothing less than 32.

00:52:41.000 And then uh if I pick up some bartending uh events that I have on the side, I charge no more than at least three to eight thousand dollars just for for that for that little uh event, depending on how many.

00:52:51.000 Mercedes is my ass, bro. 0.75

00:52:54.000 Yeah, yeah.

00:52:55.000 And and what makes it worse is that you live in a very high bro.

00:52:58.000 I go to DC all the time, bro.

00:52:59.000 Every time I go there to go do Timcast, so I'm very familiar with that area.

00:53:03.000 You know, I see what the cost of anything is over there, bro.

00:53:06.000 You live you you don't live in a cheap area, dude.

00:53:08.000 Like, and I'm blessed that uh so I broke up with my baby mama, and uh like Myron said, uh, you got a kids too?

00:53:18.000 But I l I live with my get a minivan.

00:53:20.000 I live with my parents and uh they charge me eight hundred dollars a month.

00:53:24.000 There you go.

00:53:25.000 I knew someone was that's why they really helped me out.

00:53:28.000 Uh I'm really saving my money, and like I said, thanks to Myron's plans, it's been helping me out a lot.

00:53:33.000 That's that's what I know why now I know why he even thought about it.

00:53:36.000 But hold on, because I was trying to figure out why the hell would he try to get a CLS now making sure you live with it?

00:53:41.000 We just told you pre-show.

00:53:43.000 This is the what?

00:53:44.000 Number one wealth killer of Americans.

00:53:45.000 Dude, the interest, the finance, everything is gonna fuck you, bro.

00:53:49.000 Like, dude, you know what I'm saying, bro.

00:53:50.000 This is gonna kill your wealth, bro.

00:53:51.000 Whatever money you're saving your parents, bro, is great, dude.

00:53:54.000 He's gonna spend it.

00:53:54.000 It's gonna be a good thing.

00:53:55.000 If you ever want to leave, you'll never be able to leave.

00:53:57.000 You'll have to continuously mooch off your parents. 0.99

00:53:59.000 How old are you, dude?

00:54:00.000 I just turned 32.

00:54:02.000 This hour.

00:54:03.000 Oh my Yeah, bro.

00:54:04.000 Um, bro, you this is uh this is a coming.

00:54:09.000 This is a come to uh Jesus moment, bro.

00:54:12.000 Yo, Look, dude, you're 32 years old, you're making three K a month, you live with your parents, you have no skills, right?

00:54:21.000 Bartending I would have considered like a high income skill.

00:54:24.000 Like my friend, you need to reassess your entire life right now because what you do over the next three to five years is gonna dictate whether you be are poorer for the rest of your life or if you're gonna get to a point where you won't be poor.

00:54:34.000 And making bad decisions like this where you have a child, you're living with your parents, you have uh no skills, and then trying to buy a Mercedes off of that, right?

00:54:42.000 Cause just cause you can afford the Mercedes doesn't you mean you'll be able to deal with the maintenance and everything else?

00:54:46.000 Because I'll tell you this, bro, the m m uh maintenance for Mercedes or a BMW or any German car for that matter is gonna make you broke immediately.

00:54:52.000 Bro, you need to focus on making more money.

00:54:54.000 Like you need to cut down any type of um liabilities.

00:55:00.000 Caller if you got fired from your job, bro.

00:55:01.000 Okay, what would you do right now?

00:55:04.000 What was that?

00:55:04.000 I'm sorry, I was talking about it.

00:55:07.000 And before before you answer that, how much money do you have saved right now?

00:55:10.000 Total.

00:55:11.000 Uh well this to save in total, no, I just have two thousand dollars and going up a little bit uh here and there, uh, because I have other bills and I'm trying to help out, but roughly two thousand dollars.

00:55:20.000 If you're not fired from your job, what would you do right now?

00:55:23.000 That shit to your kid, nigga. 1.00

00:55:25.000 If you got fired from your job, what would you do right now?

00:55:30.000 So that was the second question that I wanted to ask you guys.

00:55:32.000 So I am a professional bartender, but uh I do have background with cars.

00:55:35.000 What do you think about service advisor?

00:55:37.000 I know I know uh Myron told me about uh the CDL, the truck driving, and to be completely honest with you, I'm not interested in that, but uh uh service advisor.

00:55:45.000 Um I'm a little intimidated by that, but I'm a very persuasive person.

00:55:48.000 So I don't know.

00:55:49.000 What do you think about that, my friend?

00:55:50.000 I have no idea.

00:55:51.000 Um, there's no tips there, bro.

00:55:53.000 Yo, this there's no tips.

00:55:54.000 You're a slave to dealership, bro, and you're hoping your penny don't get fired.

00:55:58.000 Dude, Salesforce, one of the largest sales companies in America laid off four K people.

00:56:03.000 Recently.

00:56:06.000 Four K people got laid off.

00:56:09.000 Mind you, there's more else happening as we go along.

00:56:12.000 So, brother, this is not a joke.

00:56:14.000 It's not uh uh replay.

00:56:16.000 This is real life, bro.

00:56:17.000 If you lose your job today, bro, you're fucked.

00:56:19.000 So this kind of thing.

00:56:20.000 Honestly, the only reason you're not living uh on the street right now is because you're parents.

00:56:23.000 We're gonna be honest, bro.

00:56:24.000 Uh right, exactly.

00:56:25.000 Yeah, no, you're a hundred percent, sir.

00:56:27.000 You're a hundred percent and God bless I have parents that give a fine fuck about me.

00:56:30.000 Yeah.

00:56:31.000 And I know I I know a lot of men, a lot of gentlemen on uh on on our show that on your show, sir.

00:56:35.000 I'm sorry, I'm my fault.

00:56:36.000 They they they're not fortunate.

00:56:38.000 Some of them, some of them le are living in the street. 0.95

00:56:40.000 Thank God I'm so I'm gonna do that.

00:56:41.000 This is what you're gonna do.

00:56:42.000 Yeah, better than my own.

00:56:44.000 Yo, look, just I need you to listen for two seconds, alright?

00:56:46.000 This is what you're gonna do.

00:56:47.000 You're gonna drop this Merced.

00:56:48.000 You're not even gonna say Mercedes ever again.

00:56:50.000 Okay.

00:56:51.000 Um you're not in a position to buy a Mercedes.

00:56:54.000 Let alone even think about one.

00:56:55.000 Honda.

00:56:56.000 You, my friend, need to make more money and find a second job.

00:56:59.000 Being a bartender um is not good enough.

00:57:01.000 Uh, you make three thousand dollars a month as a thirty-two-year-old man living with your parents.

00:57:05.000 That's pathetic.

00:57:06.000 You need to make more money.

00:57:07.000 So pick up another job and make more money.

00:57:09.000 You need to save more money.

00:57:10.000 The fact that you only have two thousand dollars to your name is also pathetic.

00:57:13.000 You need to save more money.

00:57:14.000 So you need to make more money, you need to save more money.

00:57:16.000 Call back to the show when you have 20,000, then we can have a discussion on something.

00:57:20.000 But until then, you're not buying no fucking cars, you're not buying no luxury items, you're not buying nothing nice.

00:57:24.000 I don't even want you to go to Chipotle, to be honest with you.

00:57:26.000 You shouldn't be eating out.

00:57:27.000 You should be literally going to work, going home, nothing else, no girls, no nothing, and you have a kid, bro.

00:57:33.000 Like, dude.

00:57:34.000 I have two.

00:57:36.000 So yeah, bro.

00:57:36.000 So you gotta two kids.

00:57:40.000 You think these studies are gonna let me walk around like pregnant man speculative? 0.98

00:57:45.000 Bro, you need to have uh you need to re really reassess your life, bro.

00:57:48.000 Like you're you're you're in a point right now.

00:57:50.000 I'm telling you, dude, what you do over the next three years, three to five years is gonna dictate whether you live paycheck to paycheck as a brokeie, or if you get yourself out of this fucking um hole that you're in.

00:57:59.000 The only reason why you're not dealing with the bad uh decisions you made through your life is because your parents are holding you down.

00:58:04.000 Bro, if you didn't have your parents, you would literally be fucking homeless right now, more than likely, or living in the ghetto somewhere or struggling.

00:58:10.000 So thank your parents, thank them by not being a loser, make more money, save more money.

00:58:14.000 You don't even deserve a fucking car now at this point, and you need to find another job and get twenty thousand dollars saved.

00:58:20.000 Then we can have a discussion.

00:58:21.000 Until then, I don't care what the hell you do, you're not spending money on no dumb shit, no liabilities, bro.

00:58:25.000 You need to make more money and save more money and have at least twenty thousand dollars to your name.

00:58:30.000 Yes, sir, challenge accepted.

00:58:32.000 Okay, then Myron.

00:58:33.000 I'll hold that to you accountable uh to me.

00:58:35.000 Yeah, absolutely.

00:58:36.000 Uh deal.

00:58:36.000 I wouldn't have to do that.

00:58:36.000 And that shouldn't be hard to do, bro, because you save all your money anyway.

00:58:39.000 You don't got living expenses.

00:58:40.000 You pay eight hundred dollars a month in rent.

00:58:41.000 You're so that leaves you with about assuming you spend another couple three hundred whatever on food, whatever.

00:58:46.000 Dude, you're gonna have you're gonna be pocketing one to two thousand dollars a month easily, and then you should be making more than three thousand.

00:58:50.000 You should be trying to make at least five to ten thousand dollars a month, bro.

00:58:54.000 Color.

00:58:54.000 This is what you can do.

00:58:55.000 Yes.

00:58:55.000 Put in your room an actual image of the Mercedes that you want, put money, image of money in your room.

00:59:01.000 And when you wake up every morning, bro, look at that poster.

00:59:03.000 Look at that actual like picture of the car and the money.

00:59:07.000 So you can focus because bro, you you need some type of guidance, bro, because this is crazy, bro.

00:59:11.000 Like, honestly, this is wild.

00:59:13.000 Yeah.

00:59:14.000 Yeah, man, I I agree with you.

00:59:16.000 I agree with you 100%.

00:59:17.000 No, thank you for the advice.

00:59:18.000 I I will I will do that.

00:59:19.000 I will we'll continue to do uh everything you guys just told me.

00:59:24.000 Oh no, okay, but uh to answer my question, what do you think about the service advisor then position?

00:59:29.000 There's one that that they can hire me, but I I don't know, I'm a little intimidated.

00:59:32.000 What do you think, uh Fraser or Marin?

00:59:34.000 Bro, I just told you, bro, you won't get tips for that job.

00:59:36.000 Oh, I'm you can't receive tips.

00:59:38.000 Okay.

00:59:38.000 So that's one thing.

00:59:40.000 Two, at least with Barton's.

00:59:41.000 It doesn't have job security stuff.

00:59:42.000 You can scale fire people.

00:59:44.000 Bro, uh the job market right now is really bad for this.

00:59:47.000 Like, if you have a job, hold on to it for deal because people aren't hiring.

00:59:51.000 Either it's hotels or roughly like maybe like bartender job, but but that's it.

00:59:54.000 Like um, so it d this whole set, right, bro?

00:59:58.000 If it's gonna be more money for you and more stable, look at the actual long term.

01:00:02.000 Do the math.

01:00:03.000 If you keep your bartended job and you get tips, right?

01:00:06.000 Obviously, it fluctuates, but like let's say average out the tips.

01:00:10.000 What makes more money for you?

01:00:11.000 Then assess the risk.

01:00:13.000 You may get fired at your service job, but you may not get fired at your bartender job.

01:00:19.000 So you need to wait a pros and cons that way.

01:00:21.000 All right, let's get the next person online.

01:00:22.000 All right, bro.

01:00:23.000 You know, you have your margin orders.

01:00:24.000 Make more money.

01:00:25.000 Yeah, five you you need to make five to ten thousand dollars a month and save twenty thousand dollars.

01:00:28.000 Those are your two fucking goals for this month.

01:00:30.000 I don't care about anything else.

01:00:31.000 Five to ten thousand dollars a month is what you gotta earn, which means you gotta put in more hours and work more, get another job, and then you need to save twenty thousand dollars.

01:00:38.000 The fact that you have only two thousand dollars to your name as a 30-year-old man, is completely unacceptable, all right?

01:00:42.000 You got us, bro.

01:00:42.000 You got us, you got this.

01:00:43.000 Yeah.

01:00:44.000 No, no, I definitely do.

01:00:45.000 Much like when we go and start going next caller.

01:00:49.000 Who's up next?

01:00:52.000 We have where were you?

01:00:56.000 There you are.

01:00:56.000 Five three nine eight, you're up.

01:00:58.000 Five three nine eight, you are up.

01:01:01.000 All right.

01:01:01.000 Hey, hey, what's going on?

01:01:03.000 Myron Fresh, FNF.

01:01:04.000 What's going on?

01:01:04.000 It's Jalil from Castle Club.

01:01:06.000 How are you guys doing?

01:01:06.000 Oh, what's up, bro?

01:01:07.000 What's up, man?

01:01:08.000 How does the question with speaking months, man?

01:01:10.000 It's been a while.

01:01:11.000 Um, well, first and foremost, I just have a quick question, but before I begin, I just want to give you guys a quick update.

01:01:16.000 I'm officially 172 pounds a year ago in May, I was 310.

01:01:20.000 So I wanted to give you guys congratulations.

01:01:25.000 Go, go, don't go.

01:01:27.000 Absolutely beautiful thing.

01:01:28.000 And now I have a goal where I want ads by the end of the year.

01:01:30.000 I've never seen my ads before.

01:01:31.000 And I intend on and I intend on accomplishing that with every by any means necessary.

01:01:36.000 And thanks to people like you guys holding me accountable, and I've been able to accomplish that.

01:01:40.000 So much love to all of you first and foremost.

01:01:42.000 Cool.

01:01:42.000 And I miss you guys.

01:01:44.000 That's the first thing I wanted to point out.

01:01:46.000 Um last for context at the at the meetup, I was 245 pounds when I saw you guys.

01:01:51.000 So it's been a really, really great ride.

01:01:54.000 That's the first thing.

01:01:55.000 Um my question that I have for tonight is I want to, although, you know, although I'm doing very well, especially for somebody my age and all aspects of life, and I'm very grateful to God for it first and foremost.

01:02:06.000 What I was wanting to call about is I want to segue into e-commerce because I know that with AI just continuously starting to take over and things starting to progress in that direction.

01:02:17.000 I want to be able to be in a position where I can automate and really maximize um a second source of income so I can be in a financially free position to do pretty much anything I please.

01:02:27.000 I can do most things that I can, you know, I can do a lot of things that I I can pretty much do anything I want for the most part now at you know at this point, but I want to be able to not only be in a position where I can do that at a greater scale, but also be in a position where I can serve others around me and you know put it put put like you know other people on and be able to have that provision.

01:02:46.000 Uh what's the question?

01:02:47.000 He that he's wants to know about e-commerce, basically.

01:02:50.000 Yeah, so you want to know how to get get into it?

01:02:55.000 Sorry, bro.

01:02:56.000 You were you're rambling there.

01:02:57.000 Uh I don't know which body.

01:02:58.000 Wants to get into e-commerce is basically what he has a qu What is he asking about?

01:03:01.000 Because he's saying the expansion of AI.

01:03:03.000 We had uh uh Samir on, we had uh KT on.

01:03:05.000 I'll go more with Samir because he's more focused on uh AI uh rollouts for e-commerce.

01:03:10.000 Yeah, did you see that episode that we do?

01:03:12.000 So watch the episode with Samir and uh actually we have people joining there and make some money as well.

01:03:16.000 Uh so you could type into that coaching with uh Samir.

01:03:19.000 Because doing it by yourself, bro, would be Swiss A, because you lose lose a lot of money.

01:03:23.000 Also, when we had him on, he gave a whole thing on how to start it.

01:03:26.000 Yeah.

01:03:26.000 So did you see that episode that we did with him, bro?

01:03:29.000 I did see clips of it.

01:03:30.000 I didn't watch the whole thing from being a good one.

01:03:32.000 Watch the whole thing.

01:03:32.000 The timestamps are there.

01:03:34.000 And you we kind of had him do um on air, uh how to like kind of started from A to Z, and he he gave all the he gave quite a bit of value as far as like how to get us started with a lot of the websites and everything.

01:03:44.000 So by the way, he made from that one show almost 500k in sales.

01:03:50.000 Isn't that crazy?

01:03:51.000 Oh wow.

01:03:52.000 Frage scores.

01:03:53.000 It's fucking crazy, bro.

01:03:54.000 Well, I'm not well, I was gonna say I'm not doing this entirely alone because I have a castle club group, uh, like group that I actually roll with.

01:04:02.000 You know, I've I've you know I met them in person and we've gone on trips and stuff like this together, and there's one guy who's doing it very well.

01:04:08.000 What I was thinking about was kind of just getting with him as far as like starting it up, and then after that, once I get a good startup on it, I want to see exactly guys that you've brought on as far as who I can follow to actually expand it to a really high level.

01:04:21.000 So that's kind of just what I was wanting to get from you guys as far as where I should proceed, where I should start number one, and then after I started up, where I should proceed after the fact.

01:04:32.000 No, I mean uh you were the one answered his question on the Um It depends, bro.

01:04:40.000 I mean this one I'll say, bro.

01:04:43.000 Right now, times are hard.

01:04:46.000 Um you want to learn the skill for e-commerce for sure, but I would say get all the free value first up front that you can.

01:04:52.000 And then as much as you can.

01:04:54.000 Like, dude, you YouTube is vast for information and knowledgeable e-commerce.

01:04:57.000 Obviously, some is outdated, some is not outdated.

01:04:59.000 You gotta do what's actually relevant and what's new for this year.

01:05:03.000 All videos might be outdated, so don't go to 2023, 24.

01:05:07.000 Go to this year.

01:05:08.000 Do you have a job now?

01:05:08.000 Like what do you earn right now?

01:05:10.000 Here's a job.

01:05:12.000 Yeah, so as a it varies typically depending on like the the month, it's usually between six to seven thousand dollars a month, usually.

01:05:21.000 Yeah, I mean, good money.

01:05:22.000 If you keep your car if you keep your cost low, bro, you can definitely, you know, you're in a position where you can hire a coach.

01:05:27.000 So like I said, um, I would say watch that episode first, bro, and then see if you even want to do it and it's something you want to do.

01:05:32.000 Um, because you know, we give quite a bit of uh information on there for free and see how far you can get uh for free.

01:05:39.000 And if you want to hire a mentor, you can do that as well.

01:05:41.000 But get free value first, bro, and then hit a step after you get free.

01:05:44.000 Yeah, watch that episode first, bro, because you might not even like it, dude.

01:05:46.000 Exactly.

01:05:47.000 So that's what I would say.

01:05:48.000 But yeah, it's all there.

01:05:48.000 Come play for freight, just search e-commerce, I think, search Samir or something like that, and it's gonna come right up on our on our YouTube and the timestamps are there and everything.

01:05:56.000 Okay, awesome.

01:05:57.000 Sounds good.

01:05:58.000 Well, it's great to hear back from you guys.

01:06:00.000 No problem, man.

01:06:00.000 And congrats on the weight loss.

01:06:02.000 Uh let's get the next person on the line.

01:06:03.000 Guys, number call on the show, 646.

01:06:06.000 I can't say 490394.

01:06:13.000 There you go, yeah.

01:06:14.000 646, 490, 0394, guys.

01:06:16.000 The number of call into the show.

01:06:17.000 Put the last four digits of your number.

01:06:19.000 If you want to cut the line, answering questions on personal finance investing, not being a brokeie, whatever it may be.

01:06:29.000 6722, you are up.

01:06:31.000 6722, you are up.

01:06:33.000 All right, go ahead.

01:06:35.000 Hello, guys.

01:06:36.000 Um thank you for what you do.

01:06:38.000 So um right now I'm a regional hotel manager.

01:06:42.000 Uh let's see how much I make in one month after taxes.

01:06:46.000 I bring home 4,000.

01:06:48.000 I've been doing this job for five years now.

01:06:50.000 Um, yeah, I bought me a nice car.

01:06:52.000 My payment is settled on it.

01:06:54.000 You said you make four after taxes, right?

01:06:56.000 So what what do you make before taxes?

01:06:59.000 Before taxes, what is it?

01:07:01.000 Like five something, I believe.

01:07:04.000 Okay.

01:07:04.000 So you earn you're like what 60k per year?

01:07:09.000 65k.

01:07:10.000 All right, 65,000 per year.

01:07:12.000 Okay, and you take home four after taxes.

01:07:14.000 Okay.

01:07:15.000 All right, go ahead.

01:07:16.000 Yeah.

01:07:16.000 Okay, I ain't got no kids.

01:07:18.000 I graduated UNC Spartans.

01:07:20.000 I see you Thursday.

01:07:22.000 Um I bought this car because my wife at the time, you know, I said we were making this good money.

01:07:26.000 She had a good job.

01:07:28.000 Now she has cancer.

01:07:29.000 You know, she's dying. 0.87

01:07:30.000 Probably got about a few more years left.

01:07:33.000 And my only advice I mean, I just got a question.

01:07:36.000 Um, should I just the payments are hard for me, bro?

01:07:40.000 Because I I do live in a nice area, you know.

01:07:42.000 My neighbors don't look like me.

01:07:44.000 I detect the Where do you live?

01:07:46.000 Do you live in Michigan?

01:07:47.000 Go ahead.

01:07:48.000 Where do you live?

01:07:48.000 Huh?

01:07:49.000 I live in Greensboro, North Carolina.

01:07:51.000 Okay.

01:07:52.000 Um, but you went to okay, so you went to school in Michigan, but okay, you live in Greens, bro.

01:07:55.000 You make 65k per year.

01:07:56.000 No, no, I went to school, uh, UNC Spartan, UNCG, you're in North Carolina.

01:08:00.000 Oh, okay, okay.

01:08:01.000 When you said Spartans like that, for some odd reason, I was thinking of uh okay, okay, UNC Spartans, okay, cool.

01:08:05.000 Um, so and that's why you'll be there in Nashville.

01:08:07.000 Okay, that makes sense now.

01:08:08.000 Um, so your your wife, and my condolences that your wife is sick, bro.

01:08:13.000 I'm really sorry to hear that.

01:08:14.000 Um, so she doesn't work right now, you're supporting her, and you said you have a car payment that's expensive?

01:08:21.000 Yeah, I got a car payment, 700.

01:08:23.000 Um, my rent is 1500.

01:08:26.000 Um told you.

01:08:27.000 My plant.

01:08:28.000 What kind of car do you got?

01:08:30.000 What type of car?

01:08:31.000 Oh, it's a Toyota 2025 cameras, zero miles.

01:08:36.000 Damn.

01:08:36.000 Um, brand new.

01:08:37.000 Seven.

01:08:38.000 I mean, look, I got it.

01:08:39.000 No, no, no, no.

01:08:40.000 But you know what?

01:08:42.000 Yo, we don't miss, bro.

01:08:43.000 What did we say?

01:08:44.000 Average car payment, brand new is what?

01:08:47.000 Seven?

01:08:47.000 Yeah.

01:08:48.000 All right.

01:08:48.000 Let's let's let's find a way to get him out of this shitty situation.

01:08:51.000 So I'm assuming you want to get the hell out of this car, right?

01:08:54.000 Yeah, because I'm about to just get them a repo and just buy me a beer and keep my money, my salary, and just keep it moving.

01:08:59.000 Repo?

01:08:59.000 That's what I'm thinking about doing.

01:09:01.000 Let it be a good one.

01:09:02.000 Or something or get traded in something.

01:09:03.000 Like, I I don't I don't really know about cars.

01:09:05.000 That's what I need to know, bro.

01:09:06.000 All right, bro.

01:09:07.000 How much do you do?

01:09:07.000 How much you gotta say up, bro?

01:09:08.000 Yeah.

01:09:09.000 How much I got saved up?

01:09:10.000 Uh I got 5,000 saved up and ride 100 right now.

01:09:13.000 Here's what you do, bro.

01:09:14.000 You go to Car Max.

01:09:16.000 So, listen, uh, I need this car sold.

01:09:19.000 What can you offer me for this car?

01:09:21.000 They're gonna look at a car, go through the car.

01:09:24.000 Hey, what'd you pay for the car?

01:09:27.000 Uh as a new car?

01:09:28.000 What would what'd you pay for it?

01:09:31.000 Oh, uh uh per month?

01:09:33.000 Oh, you're talking about as in from total, how much it is.

01:09:35.000 It's like 50 something K. Yeah, they got me, man. 1.00

01:09:40.000 Look, I call my guy with 50 cents.

01:09:44.000 How much you put down, bro?

01:09:44.000 And this is Toyota.

01:09:46.000 Oh no, it's Toyota isn't cheaper cheap either, bro.

01:09:49.000 Especially not brand new.

01:09:50.000 Uh, how much you put down?

01:09:52.000 Any car?

01:09:53.000 Uh I ain't putting nothing down.

01:09:54.000 Uh I got a good job.

01:09:55.000 They just gave me the keys and I just drove off.

01:09:57.000 Yeah, that's how they get you, bro.

01:09:58.000 They got you, they got your ass, niggas. 1.00

01:10:00.000 When you put no money down, fellas, they got your ass good.

01:10:04.000 All right, bro.

01:10:04.000 This is pretty simple, right?

01:10:06.000 Brother, do not get a repo until you get this car, this beater car.

01:10:11.000 Problem is, bro, is when you go get this beater car, you get that car in for repo, he might not get that car at all.

01:10:17.000 So, here's what you gotta do, bro.

01:10:18.000 Right?

01:10:18.000 This is the first that they got you do.

01:10:20.000 Carmax, you go over there, bring the car, they're gonna evaluate the car for you.

01:10:24.000 You're probably gonna lose like 10k on the car minimum.

01:10:27.000 Uh at this point, yo, bro, if you probably lose 10k on the car.

01:10:31.000 You don't have 10k, so of course you're gonna have to let the car go.

01:10:37.000 Or make the payments until you have enough money to pay the car off.

01:10:40.000 If I were you, that's what I would do.

01:10:41.000 Um, save some money up, pay the difference from the car to negative equity, get out of the car.

01:10:46.000 But in your case, you're talking about you know, repo.

01:10:49.000 If I were you, I wouldn't do that, bro.

01:10:50.000 But that's up to you.

01:10:51.000 But if you're gonna do a repo, have the get the new car first, yeah.

01:10:56.000 Then let them take the car as a repo.

01:10:58.000 Make sense.

01:11:00.000 Yes.

01:11:01.000 So I would advise you to, bro, as a not as an expert, just as someone give you some advice to go ahead and get this money to pay the car off.

01:11:10.000 The negative equity, which probably give me like 10k or so.

01:11:12.000 And then once that's done, let the car go.

01:11:15.000 But if you want to do what you want to do, then by all means, go ahead and get the repo.

01:11:20.000 But get the beer car first because that's gonna save you. 0.98

01:11:22.000 Isn't that gonna cook his credit score though?

01:11:24.000 Definitely will.

01:11:24.000 I uh if I were him, I wouldn't do it.

01:11:26.000 Fuck you up, bro, for seven years.

01:11:28.000 And and and don't they reserve the right to sue him after?

01:11:31.000 They do.

01:11:31.000 For the negative equity.

01:11:33.000 Bro, I don't I don't know if that's the move, bro.

01:11:35.000 Terrible thing to do for your credit, bro.

01:11:38.000 And also your your finances, too.

01:11:39.000 And keep in mind, that's gonna fuck you up, bro, because it's gonna affect your ability to get loans in the future, credit cards in the future, you want to buy a home, any of that stuff is gonna stay on your credit score for a very long time, bro.

01:11:47.000 So I think you really need to consider um doing the repo route.

01:11:52.000 I think just losing what?

01:11:53.000 He would lose 10k if he sold it?

01:11:54.000 No, it could be lower.

01:11:55.000 I'm just doing the highest amount possible I can see from.

01:11:57.000 And mind you, Toyota does hold value, however, it's a brand new car.

01:12:01.000 Yeah, bro.

01:12:01.000 And the the rates, yo, fellas, the rates.

01:12:03.000 So I assume he's gonna lose 10?

01:12:05.000 Probably 10.

01:12:05.000 Bro, I would say just have the 10k loss and and and keep your credit intact, bro.

01:12:09.000 But again, go to Kazakh. 0.98

01:12:11.000 take that 10K anyway.

01:12:12.000 Yeah, get the car max.

01:12:13.000 Look at how much money they'll give you for the car and then make a choice from there.

01:12:16.000 But until then, bro, you just assume at this point.

01:12:19.000 So can you do anything maybe humanitarian since his wife is going through cancer?

01:12:23.000 No.

01:12:24.000 They don't care.

01:12:24.000 You sign a contract, pay me or I'm taking the car back.

01:12:28.000 It sucks, bro.

01:12:29.000 But that's what it is, bro.

01:12:30.000 Once you do that contract, it's it's and yo, hope your wife gets better soon, bro.

01:12:34.000 God bless her. 1.00

01:12:35.000 But yeah, it it's it's car is carbus.

01:12:37.000 How far along is she?

01:12:38.000 They don't care.

01:12:39.000 Uh we got diagnosed three years ago.

01:12:41.000 She's on her last stages now.

01:12:43.000 So I'm just I'm emotionally, I'm a wreck, because all I do now is work.

01:12:46.000 You know what I'm saying?

01:12:47.000 Trying to do all this shit.

01:12:49.000 Hey, man.

01:12:49.000 Well, I'm not gonna make it probably.

01:12:51.000 I'm really sorry to hear that, bro.

01:12:53.000 Um look, stay strong.

01:12:54.000 You know what I mean?

01:12:55.000 You don't want uh you don't you don't want her last image of you is to show weakness, man.

01:13:00.000 So stand by your side.

01:13:02.000 Um I know this situation sucks, but just eat the 10k, bro.

01:13:06.000 That's what we're estimating is probably gonna be the worst for you.

01:13:08.000 I think losing $10,000, um, though it's a pain in the ass is gonna suck.

01:13:12.000 At least you'll still have your credit intact.

01:13:14.000 You'll still be able to go ahead and get loans in the future and you won't totally you know destroy yourself.

01:13:17.000 And keep in mind that they won't be able to come after you legally and sue you down the road, bro.

01:13:21.000 This is why you said, fellas, and this started sorry, you're this example, brother.

01:13:25.000 But whenever you buy a car, bro, if you lose your job, you someone get sick in your family, things change.

01:13:31.000 You know, your income is never static.

01:13:34.000 It could change from tomorrow or from the next day.

01:13:36.000 So a car like this, you know, it could it could mess you up.

01:13:40.000 But it's not the end of the world, bro.

01:13:41.000 10,000 at the most is not as bad as other people.

01:13:43.000 We've had see we've seen people upside down a hundred thousand, dude.

01:13:46.000 Yeah.

01:13:46.000 So, you know, there's been guys that have had really bad situations with cars, man.

01:13:50.000 So you still got a good credit score.

01:13:51.000 You can still get yourself out of this.

01:13:52.000 I would say just get rid of the car, bro.

01:13:55.000 Spend as much time with your wife as you can.

01:13:56.000 Yeah.

01:13:57.000 And you know, God bless, and you know, stay if you ever need to call into the show or whatever, and you know, vent a little bit, it's fine.

01:14:02.000 We're here.

01:14:03.000 You could so find a dealership, put the car on consignment, which means they hit a car into the dealership and they sell it for you.

01:14:09.000 But it may take some time.

01:14:10.000 But repo is not the way, brother.

01:14:12.000 Yeah, I don't I wouldn't repo, bro.

01:14:14.000 Haram!

01:14:15.000 I got you.

01:14:15.000 Thanks.

01:14:16.000 Who knows what you might need?

01:14:17.000 One more last thing.

01:14:18.000 Funeral costs, any of that other stuff.

01:14:19.000 You want to be able to have your credit score good.

01:14:22.000 What?

01:14:22.000 What what'd you say, bro?

01:14:24.000 I say I just want to say one last thing.

01:14:26.000 Rest in peace, Kevin Saims.

01:14:27.000 I used to be a fat ass.

01:14:28.000 Now I'm okay.

01:14:29.000 That's all I want to say.

01:14:30.000 Good start, man.

01:14:31.000 Well glad that you uh that you lost the weight, man.

01:14:33.000 And uh, you know, bless you and your wife, bro.

01:14:36.000 All right, spend time with her.

01:14:37.000 That's what matters.

01:14:39.000 Alright, thank you.

01:14:40.000 All right, man.

01:14:40.000 Bye.

01:14:41.000 Um as well.

01:14:43.000 Here in Florida, there's a lot of uh insurance fraud.

01:14:45.000 And people actually I should say this on camera, should I?

01:14:48.000 Uh fuck it.

01:14:50.000 I'm gonna say people actually go ahead and they uh purposely accents.

01:14:56.000 Yeah, people get the value of the car.

01:14:57.000 Yeah.

01:14:57.000 It's fucked up, but people do all the time.

01:14:59.000 Yeah.

01:15:00.000 Well, again, his situation isn't the worst.

01:15:02.000 Um that's the worst.

01:15:04.000 Yeah, he's I've seen someone buy a fry SF90 for $700,000.

01:15:08.000 It's worth now $300K.

01:15:10.000 So he lost $400K with that car.

01:15:12.000 Yeah.

01:15:12.000 Nigga.

01:15:14.000 Bro.

01:15:14.000 Yeah.

01:15:15.000 If we I mean, if it if the worst is $10,000, yes, that's a pain in the ass.

01:15:18.000 That would piss anybody off.

01:15:19.000 But I think um d do it going the route of letting it get repo, bro.

01:15:23.000 Because I've seen a couple bro, that's a weird, I've heard a couple of people who have that strategy.

01:15:26.000 Just let them repo it.

01:15:26.000 But I'm like the worst strategy of all time.

01:15:28.000 I don't know if that's a good idea.

01:15:30.000 Keep in mind, fellas, whenever a car is repossessed.

01:15:32.000 What's gonna happen is the bank takes it to an auction, sells it for super cheap, whatever you owe for the car, and it's gone.

01:15:38.000 But on your end, they're gonna sue you for the difference of money that they lost on the car.

01:15:42.000 So if you think you're gonna get off scar free, oh yeah, just go on my credit.

01:15:45.000 I don't care.

01:15:46.000 If they sue your ass, nigga, you're cooked. 1.00

01:15:48.000 Because you gotta pay the money regardless.

01:15:49.000 Yeah.

01:15:50.000 So you better all just pay the money off, save enough the money and then pay off and get rid of the car completely, without being sued, and then move far from there.

01:15:56.000 But yeah.

01:15:57.000 All right.

01:15:58.000 Let's uh let's go.

01:15:59.000 Um next person.

01:16:00.000 646, 490, call into the show.

01:16:03.000 No.

01:16:04.000 Alright, cool.

01:16:05.000 But girls are. 1.00

01:16:06.000 Let the show go on.

01:16:08.000 Five, two, six, two, you're up.

01:16:10.000 Five, two, six, two, you're up.

01:16:11.000 All right.

01:16:12.000 I think we got a guy in entropy as well.

01:16:15.000 That we we already had him.

01:16:16.000 We are.

01:16:16.000 Oh, where he spoke to him.

01:16:17.000 Okay, cool.

01:16:17.000 What was it?

01:16:18.000 Entropy.

01:16:18.000 Our new donation.

01:16:19.000 It's our new donation thing.

01:16:21.000 Oh, yeah, you're right.

01:16:21.000 Yeah, yeah.

01:16:22.000 Guys, uh, F um Stream Labs banned us because, you know, elementary trash.

01:16:26.000 Just say FNF Super Chat.com.

01:16:28.000 FNF Super Chat.com is the website still, but it's now we use a different service or that won't ban us.

01:16:32.000 Um, all right.

01:16:34.000 Uh we need to figure out though how to get it on screen and stuff like that, though.

01:16:36.000 We're working on that.

01:16:37.000 Um, who's up on the line?

01:16:39.000 Five two six two.

01:16:40.000 Five two six two.

01:16:42.000 Uh, what's up?

01:16:42.000 Welcome to the show.

01:16:43.000 Thanks, T Fed for the good.

01:16:44.000 What's up, Myron?

01:16:44.000 How you doing?

01:16:45.000 What's up, man?

01:16:46.000 What's the question?

01:16:47.000 Um, I got a question.

01:16:48.000 Um, I need advice.

01:16:50.000 So I've been working for the county for Miami Day for the past two years as a medicine mechanic.

01:16:56.000 Yeah, I made um 43k.

01:16:57.000 What mechanic?

01:16:58.000 I made 43k last year.

01:16:59.000 Hold on, hold on.

01:17:00.000 What mechanic?

01:17:00.000 Uh what mechanic?

01:17:04.000 Say that again. 0.71

01:17:04.000 What kind of mechanic? 0.71

01:17:06.000 Maintenance mechanic.

01:17:07.000 Oh, maybe okay.

01:17:08.000 Like you work on like uh police cars and cars for the estate.

01:17:13.000 Um, no, I go like around the county buildings.

01:17:15.000 Pretty much on like a carpenter.

01:17:17.000 I go around like fixing walls and like doing concrete, like doing construction work.

01:17:22.000 Okay, so you're you're you're a carpenter for the county and you basically do maintenance work for the buildings.

01:17:27.000 Yes.

01:17:27.000 Okay, got you.

01:17:28.000 Okay.

01:17:30.000 Go ahead.

01:17:30.000 And um last year I made um uh 73k last year.

01:17:35.000 Yep.

01:17:36.000 Um this year I haven't been working overtime because I'm a town, but recently I just got hired permanently, so soon I'll be back working over time.

01:17:45.000 But I was thinking about going to school for um construction, tele technology and science.

01:17:49.000 So I'll um be a manager in the future, so I don't have to rely on overtime.

01:17:54.000 And on my car payment, I pay 650.

01:17:58.000 And for my insurance, I pay 309.

01:18:01.000 I'm 23 years old.

01:18:03.000 And I have a and I have a 718 credit score, thanks for you guys.

01:18:09.000 And I hit it this month.

01:18:11.000 And I have no money saved up.

01:18:13.000 I ran through it and I stayed with my parents.

01:18:15.000 So what's the best advice you have for me?

01:18:18.000 Alright, so let me make sure I have this right.

01:18:19.000 So you earn about $70,000 a year, you're 23 years old, you work for the county doing carpentry.

01:18:24.000 Um what kind of car do you have that's costing you a thousand dollars a month with insurance and the payment?

01:18:32.000 Uh a total cameras 2024.

01:18:34.000 These cameras are gang niggas, bro. 0.99

01:18:36.000 Toyota's are not cheap.

01:18:37.000 Okay.

01:18:37.000 Neither Hondas.

01:18:38.000 You gotta okay.

01:18:39.000 Uh where do you live in the city of Miami or where are you at?

01:18:41.000 Nothing's cheap anymore.

01:18:42.000 Yes, I stay, I stay in the city of Miami.

01:18:44.000 Okay, um, so you stay in the city of Miami um and you work for the county, so you drive all, I'm assuming you drive all around the county to do jobs wherever they send you, right?

01:18:52.000 What whatever building?

01:18:53.000 Uh I say I say I drive my car to the trade shops.

01:18:57.000 I get in the county vehicle, and I drive their vehicle around the government building.

01:19:02.000 So I really pretty much don't use my car.

01:19:03.000 Bruh, get rid of that car, man.

01:19:05.000 I would say well, step one is get rid of that car, bro.

01:19:08.000 Well, because he has no money saved and he's paying the thing.

01:19:10.000 Now the thing that's saving him is he lives with his parents.

01:19:11.000 Here's the issue.

01:19:12.000 Wait, how much are you how much money are you pocketing per month?

01:19:15.000 Like uh that you're like actually saving.

01:19:18.000 If you live with your place.

01:19:19.000 Well, with the uh my regular pay is like 43k, but with overtime, I make roughly like 73k with overtime.

01:19:27.000 But if I'm not working that, I say every two weeks I'm bringing like one 1,200.

01:19:38.000 With with no overtime.

01:19:40.000 Yeah.

01:19:40.000 And you have no savings at all?

01:19:43.000 No.

01:19:44.000 You spent it on the car?

01:19:47.000 Um, no, I put no down payment on the car, but all my payments is going like that.

01:19:51.000 Stop doing that, bro.

01:19:52.000 Whoa, whoa, whoa.

01:19:52.000 Stop doing that.

01:19:53.000 That is the worst possible scenario for you.

01:19:56.000 Do not put 0% on a car.

01:19:57.000 It's like property for 0% via alone.

01:19:59.000 Yeah, yeah.

01:20:00.000 It's gonna be a high.

01:20:01.000 Well, that's why he has a really high payment.

01:20:02.000 Bro, where where'd your money go, bro?

01:20:04.000 Don't lie to us.

01:20:04.000 Where do where'd it go, bro?

01:20:05.000 You did some dumb shit with it, didn't you?

01:20:07.000 Probably.

01:20:07.000 What do you do?

01:20:09.000 We spending it, bro.

01:20:11.000 Spending it on dumb things.

01:20:12.000 Nigga shit. 1.00

01:20:13.000 Yeah.

01:20:13.000 What'd you buy, nigga?

01:20:14.000 A switcher? 0.92

01:20:15.000 Yeah.

01:20:15.000 Switch for your gun?

01:20:16.000 Yeah, he's pretty no, he's he's here in Miami, bro.

01:20:17.000 He's probably going to clubs or shit.

01:20:19.000 All right, yo, like, bro.

01:20:22.000 Uh, very simple, man.

01:20:23.000 Um, number one, you gotta get rid of that car.

01:20:26.000 I think uh you need to get something that's cheap because realistically speaking, the fact that you don't even drive your car, you go to you drive to work and then you pick up a county car so you can actually go ahead and do your rounds.

01:20:35.000 Like, you don't need a car, bro.

01:20:36.000 Uh or you don't need a car that that's gonna cost you a thousand dollars a month.

01:20:39.000 That's gonna save you a significant amount.

01:20:41.000 And then you just gotta cut down your spending habits.

01:20:43.000 You're probably buying you smoke weed, bro.

01:20:46.000 No, I don't smell sober, bro.

01:20:47.000 I'm a clean guy, I'm clean.

01:20:49.000 I'm clear.

01:20:49.000 I'm clean.

01:20:50.000 All right, you sound a little bit more.

01:20:52.000 A lot of food and like going out and this all right.

01:20:55.000 You need it, you need to cut going out, bro.

01:20:57.000 No more going out, no more girls, none of that dumb shit. 0.98

01:21:00.000 You gotta get rid of this camera.

01:21:01.000 How do you think you should go about it?

01:21:03.000 2024?

01:21:04.000 He can't.

01:21:05.000 What do you mean he can't?

01:21:06.000 He's fucked.

01:21:08.000 He has no money.

01:21:10.000 Negative equity.

01:21:11.000 Negative equity cooked.

01:21:14.000 Yep.

01:21:15.000 He has money, bro.

01:21:16.000 Okay, how much does he need then?

01:21:17.000 First, Like tell him what he needs to say how much he needs.

01:21:19.000 I wouldn't know.

01:21:20.000 He has to go to the dealership, get the price of the car.

01:21:22.000 Hey, Mr. So and so.

01:21:23.000 How much did you buy it for?

01:21:26.000 I bought it for 39K.

01:21:28.000 See for that.

01:21:30.000 I got it down to 32,000 now.

01:21:32.000 I had it for like a year now.

01:21:35.000 Yeah, so whatever you owe them is going to be negative what you bought the car for.

01:21:39.000 So for example, 32K is what you have now for the car.

01:21:42.000 What's the value of the car?

01:21:43.000 Do you know?

01:21:47.000 If you don't know if you don't know the value of the car, bro, you can go to Kelly Blue Book.com.

01:21:50.000 It's Kelly Blue Book.

01:21:51.000 It's 24,000, like 22,000.

01:21:54.000 Depending on the mouse on the car, because I've been I'd be driving a lot.

01:21:57.000 Okay, so you owe 32, but it's worth how much?

01:22:00.000 24, right?

01:22:01.000 Oh like 23, 24.

01:22:04.000 See?

01:22:04.000 He has no money.

01:22:05.000 He's stuck there.

01:22:06.000 So he needs 10K, basically.

01:22:07.000 Yeah.

01:22:09.000 So do you suggest he saves up 10,000 and gets out the car?

01:22:13.000 Yes.

01:22:13.000 If he can.

01:22:15.000 But he take out a loan.

01:22:16.000 He has a 7 AC credit score.

01:22:18.000 Budget problem, not a money problem.

01:22:20.000 His budgeting issues.

01:22:22.000 Well, yeah, I mean, he doesn't.

01:22:23.000 Yeah.

01:22:24.000 He doesn't say.

01:22:24.000 So he take should he take a loan to get out to get 10K loan and to get out of this thing, or is it now worth it?

01:22:31.000 Because the loan might be at a slow at a lower interest rate.

01:22:33.000 Yeah.

01:22:33.000 What's your interest on this car, brother?

01:22:35.000 Zero percent.

01:22:36.000 So it's probably gonna be high.

01:22:38.000 Oh, yeah, it's pretty high pretty much.

01:22:39.000 I don't know.

01:22:40.000 I just went there.

01:22:41.000 They got me that kind of papers.

01:22:44.000 You don't know the credit on your car?

01:22:45.000 This is the issue.

01:22:46.000 This is the issue, right?

01:22:47.000 No.

01:22:48.000 We all do it.

01:22:48.000 We buy a car.

01:22:50.000 Yeah, we got a new car.

01:22:51.000 But we don't get look at the payments.

01:22:52.000 Uh sorry, the interest rate, no, that shit.

01:22:55.000 I get it, bro.

01:22:55.000 I've been there as well.

01:22:56.000 Okay, what I'm thinking is this.

01:22:57.000 Your best bet is to save the money for the car, the 10K.

01:23:00.000 It could take you a while.

01:23:01.000 Maybe 10 months.

01:23:02.000 But once you do that, get out the car.

01:23:04.000 He's got to work extra overtime.

01:23:06.000 Yeah.

01:23:06.000 He could he could probably save that 10K in a few months.

01:23:08.000 If he works more, saves everything.

01:23:12.000 Also, the other thing you could do, which I'm thinking about, because it seems like we need we need to get this guy 10,000 to get out of this deal.

01:23:17.000 Yeah, there's two options, bro.

01:23:18.000 Personal loan.

01:23:19.000 You could take a personal loan.

01:23:20.000 Or credit card.

01:23:21.000 Or you could use a credit card.

01:23:22.000 Yeah, either way.

01:23:22.000 Because you got a 718 credit score.

01:23:24.000 Or you can get a family member to give you the 10K so you can get out this car.

01:23:27.000 Yeah.

01:23:27.000 Because getting out this car is going to save you a thousand dollars a month easily.

01:23:30.000 Off rip.

01:23:31.000 Let's pay them back.

01:23:31.000 And then and then you could pay them back uh with w with either no interest or no uh low interest, or because I know the interest rate probably on the car is probably high as hell because you didn't put no money down like an idiot.

01:23:40.000 Um so what you could do is also get that personal loan at 10k.

01:23:44.000 The loan that he gets at 10K might be lower than what he's paying on the car.

01:23:47.000 Yeah.

01:23:47.000 So that might be a way out, or someone could give you a loan and help you out.

01:23:51.000 But yeah, bro, you're gonna need about roughly 10,000 to get out of this uh shitty car situation you got, bro.

01:23:55.000 But I would say that's step number one uh with your problems and next car.

01:24:01.000 Okay, put money down on the car, please.

01:24:02.000 At least 10 to 20%.

01:24:04.000 Okay.

01:24:04.000 And then again, no new cars, bro.

01:24:07.000 Only used cars.

01:24:08.000 Yo, I don't want none of y'all niggas buying new cars, bro, until you do it calling to the show, bro. 1.00

01:24:12.000 God damn, man.

01:24:13.000 Yeah.

01:24:13.000 Every single one of you guys, like, yo, if you guys are thinking about buying a brand new car, whatever, just call into the show, give fresh the numbers, and he'll tell you if it's a good deal or not.

01:24:20.000 The moment you buy the car, bro, you're losing at least 20% off the lot.

01:24:23.000 Every single one of you in chat right now that's thinking about buying a car, do not buy the car until you talk to Mir Fresh, bro, at this point, honestly.

01:24:28.000 Because we could have probably saved a bunch of you guys from we said the guy with the CLS.

01:24:32.000 Yeah.

01:24:33.000 He would have been he would have cooked himself.

01:24:35.000 He would have been cooked.

01:24:36.000 So any of you guys that are thinking about buying a new car for this year or in the next couple months, whatever, please hold off until you call on to the show, bro.

01:24:42.000 Spend the five dollars, call on to the show, get life saving advice, it's gonna save you $50,000 or fresh.

01:24:47.000 He'll tell you, he'll run the car right there on Kelly Blue Book, tell you, nope, don't do it.

01:24:51.000 Uh, or hey, I got it here, or do this, whatever.

01:24:54.000 Because you guys are putting yourselves upside down on these cars for no reason, bro.

01:24:57.000 So look at Samir.

01:24:58.000 Look at Samir.

01:24:59.000 He saved millions not buying some of these cars over here in Miami.

01:25:02.000 Bro, uh he makes money too.

01:25:04.000 Look, and you're not in the worst situation, you're kind of like the other brother.

01:25:06.000 You're gonna need about $10,000 to get yourself out of this hole.

01:25:08.000 Yeah.

01:25:08.000 Um it's possible.

01:25:09.000 But it's possible and you got a good credit score.

01:25:12.000 So you could get a personal loan, bro.

01:25:13.000 Uh, with if it has a good interest rate, get out the car, and then you could pay it.

01:25:17.000 You could probably save money by paying that that 10k back versus going the other route.

01:25:22.000 Good option.

01:25:23.000 So that's that's a way to go because you gotta go to the credit score.

01:25:25.000 If you can get a family member they can lend you the 10k, that's even better.

01:25:27.000 Or the other thing you could do is you could do credit card arbitrage too.

01:25:30.000 A lot of these credit card companies, matter of fact, hold on.

01:25:32.000 Now I think about it.

01:25:33.000 Bank of America has a credit card that will let you take the money out up to twenty-five thousand dollars, arbitrage, and then you have uh 18 months to pay that back with no interest.

01:25:44.000 By the way, this is not financial advice.

01:25:47.000 This is just us giving you our knowledge.

01:25:49.000 We're just giving you options and experiences.

01:25:51.000 Yes.

01:25:51.000 So you got three options, bro.

01:25:52.000 Personal loan, family loan, or you could do credit card arbitrage.

01:25:56.000 I know Bank of America right now has a card that you can um, you know, there's a couple banks that do this.

01:26:01.000 What's it called?

01:26:02.000 I gotta get my wallet.

01:26:03.000 Um, but it's uh it's a card, bro, that will let you um basically do a balance transfer.

01:26:08.000 And a couple of banks, it let's say you don't have bank of America, you got chase, whatever.

01:26:11.000 All these banks have a card that will basically let you do a balance transfer where you can get the the limit on the card, put into your bank account hard cash.

01:26:19.000 Okay.

01:26:20.000 Now, obviously the interest rates on these tend to be high, but a lot of them have an offer where you have 18 to 24 months, no interest.

01:26:26.000 So you'll have a year and a half, bro, to pay that 10k back.

01:26:31.000 Okay, sounds great because I was gonna um start by working on overtime and working uh hours to pay this.

01:26:37.000 Oh, yeah, you you gotta you're gonna have to work that overtime even more, bro.

01:26:40.000 You it's time it's time to do slave labor, my friend.

01:26:43.000 So you get out this car.

01:26:44.000 And then never buy another car again without consulting with uh with us.

01:26:47.000 Slave labor. 0.73

01:26:47.000 If we had known is bank and merry card. 0.73

01:26:50.000 Yeah, I've been watching you guys for a year and a half.

01:26:52.000 I'm kind of new, but I didn't know.

01:26:54.000 You had already bought the car before you started watching us?

01:26:57.000 Yeah.

01:26:58.000 Fair enough.

01:26:58.000 Yeah, fair enough.

01:26:59.000 Okay.

01:26:59.000 All right, Mary Man.

01:27:00.000 Well, we're here now.

01:27:00.000 We're in your corner, bro.

01:27:01.000 So uh um do one of those three options, bro.

01:27:04.000 You're not in a horrible spot.

01:27:05.000 You got a good credit score, so you can you can get yourself out of this.

01:27:07.000 Ain't no big deal.

01:27:08.000 10K, you could do it.

01:27:09.000 Yeah, it's gonna suck.

01:27:10.000 You're sending yourself back about six months, but it's okay, it could be done.

01:27:12.000 And you're still young.

01:27:13.000 Yeah.

01:27:14.000 Lessons learned.

01:27:15.000 All right, bro.

01:27:16.000 We'll talk to you.

01:27:17.000 Thank you.

01:27:17.000 All right, man.

01:27:18.000 See, most people aren't taught this at all.

01:27:21.000 Just go to school, get a degree.

01:27:22.000 But then they get a lot of this debt, bro.

01:27:25.000 Fuck, because they don't know how to get out of this.

01:27:26.000 Guys, I am so serious, bro.

01:27:27.000 Any of you guys that want to buy a car, bro?

01:27:29.000 Do not buy a car till you call into the show, bro.

01:27:30.000 Yeah.

01:27:31.000 Oh my god, man.

01:27:32.000 It's bad, bro.

01:27:33.000 You guys are well, we said one guy at least.

01:27:36.000 I say I said thousands, bro.

01:27:38.000 My fucking Zoom called.

01:27:38.000 Well, I mean, on the on the but I'm saying, 'cause a couple of these guys have already gotten bad, bad car deals.

01:27:42.000 Yeah, yeah, yeah.

01:27:43.000 And upside down.

01:27:43.000 But look, 10K isn't the worst, bro.

01:27:45.000 I've seen we've seen dudes with 200k, 300k, upside down on a car, bro.

01:27:48.000 Oh man.

01:27:49.000 Bro, you you see Yusuf, bro?

01:27:51.000 He sees this shit every single day.

01:27:52.000 Yeah.

01:27:53.000 That's just terrible.

01:27:54.000 Stressful, bro.

01:27:55.000 I'm stressed.

01:27:55.000 I don't even have the cars.

01:27:56.000 Yeah.

01:27:57.000 All right.

01:27:57.000 Who's up next?

01:27:58.000 4738.

01:28:00.000 You're up.

01:28:00.000 Four, seven, three, eight, you are up.

01:28:05.000 Hey, you hear me?

01:28:06.000 What's up, man?

01:28:06.000 We got you.

01:28:07.000 Hit us with your question.

01:28:07.000 Uh, Walter, zoom calls are on Castle Club only.

01:28:09.000 So link should be down in uh description, right?

01:28:12.000 Yeah, we do one Zoom call a week, if not sometimes two times a week, man.

01:28:15.000 Yeah.

01:28:16.000 So suddenly we'll do another Zoom call for uh cars.

01:28:18.000 We got one this Wednesday coming up too, probably.

01:28:20.000 Yeah.

01:28:20.000 Um, what's your question?

01:28:21.000 You got a lot of sound on your uh thing, so just be fast.

01:28:24.000 Yeah, so Byron.

01:28:25.000 Um so I'm an OSS, bro.

01:28:28.000 Been watching you guys for you at studios, to be honest.

01:28:31.000 You and Martin fresh.

01:28:33.000 Nice.

01:28:33.000 Um But um my life is really upside down right now.

01:28:37.000 Um I'm just want to know what what would you guys do in if you was in my shoes?

01:28:40.000 Um I got some numbers written down for you guys, so I'm just gonna just spit them out.

01:28:44.000 All right.

01:28:45.000 Um so starting with um the credit scores, is a uh five, five sixty-five.

01:28:50.000 Okay.

01:28:50.000 Um I got two collections.

01:28:52.000 Um that's with family members.

01:28:54.000 Um I can, you know, talk with them and get that paid off.

01:28:56.000 It's only like 500, and then other ones like 200.

01:28:58.000 Okay.

01:28:59.000 Um I have two credit card cards that's maxed out.

01:29:02.000 Um one is like a thousand, and then uh my capital one is like three hundred.

01:29:06.000 Okay.

01:29:07.000 Um I do have a car loan.

01:29:09.000 I have seventeen K left on the loan.

01:29:11.000 It's six hundred a month within with insurance, it's three hundred a month.

01:29:14.000 So it's like basically a thousand a month.

01:29:16.000 All right.

01:29:16.000 Um unfortunately, because I've been listening, I would get rid of the car, but like dumbass, I I owe back taxes on the car, so I gotta pay that off first before I get rid of the car, and I'm also negative equity in the car as well.

01:29:29.000 So it's always I want to get your opinion on that.

01:29:32.000 Um so overall, my debt is around 30k.

01:29:37.000 I'll make uh 70K.

01:29:39.000 Um that's uh after taxes, I make 70K.

01:29:43.000 Um before taxes is around like 80.

01:29:46.000 Um in school do you consuming uh and you're in school too?

01:29:52.000 How much do you uh take home like after taxes per month?

01:29:57.000 After taxes per month is around like six, sometimes with overtime is like six point five.

01:30:02.000 All right.

01:30:03.000 So total expenses added up.

01:30:05.000 Everything.

01:30:06.000 Yeah, what because what is that?

01:30:07.000 Because you make a good amount of money and you shouldn't be in this kind of debt.

01:30:10.000 So I'm trying to figure out here what's going on.

01:30:13.000 Somewhere.

01:30:14.000 Oh man.

01:30:15.000 Yeah, it's a a bunch of shit, bro.

01:30:17.000 Um a horrible relationship that I that I I got out of um domestic violence, all that bullshit.

01:30:23.000 Oh I have lower fees.

01:30:25.000 Um yeah, I'll I was gonna get to that.

01:30:27.000 I was wondering your opinion on that as well.

01:30:30.000 Um, yeah, because there's no reason because I'm like in my head, I'm like, okay, so you okay you owe 17k on a car, you owe like a thousand dollars here, a thousand dollars for the credit card, maybe two K total was what I calculated from your personal debt and your credit card, you're making six K a month, you shouldn't have this problem, but okay.

01:30:45.000 You wanna tell what the bonus point about wealth killer?

01:30:50.000 Second one?

01:30:51.000 Which one?

01:30:51.000 He mentioned it.

01:30:52.000 Women. 0.81

01:30:52.000 Oh, women? 0.81

01:30:53.000 Oh, yeah, yeah, yeah.

01:30:54.000 Of course, of course.

01:30:55.000 Um okay, so let me get this straight.

01:30:57.000 So you're taking home about six thousand dollars a month, and you have one thousand on one credit card maxed, three hundred on other credit card max, and then you said you owe you have two debts and collections from family members?

01:31:09.000 Yeah, it was it was a apartment that we was in, and some damage got done to the apartment, and then they charged us for it.

01:31:15.000 It's like two years old now.

01:31:17.000 Oh, shit and the total of that is you said roughly like $800 or something?

01:31:22.000 Yeah.

01:31:24.000 Okay.

01:31:25.000 So all right, and then and then the reason why, and how much money do you have saved right now at this moment is you're on this phone call?

01:31:31.000 Uh 4500.

01:31:33.000 Okay.

01:31:34.000 Um would it be fair to say that the reason why you're so upside down financially is because you had this domestic violence situation, lawyer fees and stuff?

01:31:42.000 Most def most definitely.

01:31:44.000 And it's it's I got hit with a class D felony, like everything is pending right now, is it's not on my record officially.

01:31:50.000 They're trying to put me into some sort of program that I do well in the program for about a year and then.

01:31:54.000 All right, is your okay let's deal with the criminal case first.

01:31:57.000 Are you or is your case adjudicated yet or what?

01:32:00.000 If it's if it's what?

01:32:02.000 Did you okay?

01:32:02.000 Did you plead guilty or what?

01:32:04.000 What's what's the deal with that?

01:32:05.000 No, no, negative, no.

01:32:06.000 I I didn't play guilty any yet.

01:32:08.000 Okay.

01:32:09.000 So it's still pending.

01:32:10.000 Okay, so where are you?

01:32:11.000 Uh where are you and and are you going to trial?

01:32:13.000 What do you what are you gonna do?

01:32:15.000 Right, yeah.

01:32:16.000 So we've been back and forth with with with court and stuff, and they're trying to put me in in in this program.

01:32:21.000 I forgot the name of it, but it's it's too, you know, see if I do good in it, see if I pass it.

01:32:26.000 And as it she said, my lawyer says about a year and a half.

01:32:29.000 Um, and if I passed it, they they would just get rid of my my charges, according to her.

01:32:35.000 Who told you this prosecutor?

01:32:38.000 My lawyer.

01:32:39.000 Okay, let me let me let me make sure I have this right.

01:32:42.000 So you didn't just get hit with you, you got hit with a uh uh a felony uh assault.

01:32:48.000 No, it's it's a felony of um violation of a protective order.

01:32:51.000 Um I needed my work equipment from the apartment.

01:32:53.000 She lived with me for about two years.

01:32:56.000 Um and she had the fucking yeah, I know. 1.00

01:32:59.000 She had um I had all my work equipment there, and and they kicked me out of my own apartment.

01:33:04.000 Um said I couldn't go back, but all my work shit was in the was in the apartment.

01:33:08.000 So I went back and you know, she started a whole bunch of shit and then she she called a cops and then I got hit with a um, all right. 0.50

01:33:14.000 So okay, so you had a protective order against you from this girl.

01:33:17.000 Like, did you get arrested before for domestic violence with her or no?

01:33:22.000 Um, yeah, I did, yeah.

01:33:23.000 Damn.

01:33:24.000 Did you get did you put guilty on that one?

01:33:26.000 Yeah, a bunch of allegations.

01:33:27.000 Um I have everything on video, but she made a bunch of allegations to me. 1.00

01:33:32.000 Look, look, look, uh let's just keep it simple.

01:33:34.000 So let me get make sure I get this right.

01:33:36.000 You got hit with the domestic violence the first time with her.

01:33:39.000 Did you plead guilty to that?

01:33:41.000 No.

01:33:42.000 What's the deal with that case?

01:33:43.000 That first case.

01:33:44.000 They they they let me go on forgot the exact term for it, but they let me go.

01:33:50.000 Um, and then they put the the domestic violence um or sorry, the um the protective order in place.

01:33:58.000 Uh technical technicality?

01:34:00.000 No, I mean to show up.

01:34:01.000 Bro, how do you not know?

01:34:02.000 You gotta know, bro, dude, you gotta know this type of stuff, man.

01:34:04.000 Like, what happened with your case?

01:34:05.000 Did it get did you get dismissed?

01:34:07.000 Did it get um uh did you get did he plead guilty to a misdemeanor?

01:34:11.000 Like what happened with with that part.

01:34:15.000 Go ahead, Mario.

01:34:16.000 No, no, I'm listening.

01:34:17.000 What what happened?

01:34:18.000 The first one.

01:34:18.000 Oh, um, so the first one, so I did get hit with with the with the um so the first time we got into an incident, the cops called and everything.

01:34:28.000 I got the charges on me from her her allegations, and then they put me in the program.

01:34:33.000 It was about like a two week program.

01:34:35.000 I passed that, and then it was gonna get dismissed.

01:34:38.000 So they they put it ahead for like seven months.

01:34:41.000 And they they it was going to get dismissed um for seven months.

01:34:44.000 And then, you know, seven um around like six and a half months went by.

01:34:48.000 It was around like six days left for everything for me to go to court.

01:34:52.000 And then we got into an issue issue there.

01:34:54.000 And then that's when the violation of protective order got in place again.

01:34:57.000 Wow.

01:34:57.000 For the for the felony.

01:34:59.000 So six days was was was was left for me to go to court and get everything dismissed.

01:35:04.000 And to be honest, every single time I try to break up with her, she she threatens to call the cops, make it make make allegations, and then you know, I was dead serious that time, and then you know, like she called a cops on a six days.

01:35:14.000 Alright, let me make sure, bro.

01:35:15.000 I'll be honest with you, you're horrible at explaining things.

01:35:17.000 So I'm gonna try my best to summarize what's going on here because you don't even know what's going on in your criminal case, so I'm trying to connect the l the dots here so I can figure out how to best give you advice.

01:35:24.000 So you got arrested for domestic violence.

01:35:27.000 While that case was pending, a protective order was issued against you.

01:35:32.000 You violated the protective order by going back to the house to pick up your work equipment.

01:35:35.000 Yeah.

01:35:36.000 And then you got arrested again for felony.

01:35:37.000 Is that fair to say?

01:35:39.000 Yes.

01:35:40.000 And then both cases are still not adjudicated yet.

01:35:42.000 You do you didn't plead guilty to either of them or none of them, neither of them are done.

01:35:47.000 No.

01:35:47.000 And you have to do classes.

01:35:48.000 I'm assuming probably anger management.

01:35:51.000 Yeah, I completed that, but they're they're getting me into another program for um for the for the remainder of the case, I'm assuming.

01:35:57.000 Alright, so you had anger management for the first domestic violence, now you gotta do something else for the set for the for the felony.

01:36:03.000 Right.

01:36:04.000 Okay.

01:36:04.000 And I'm assuming upon completion of these two classes, they're saying that they might potentially dismiss the charges against you.

01:36:11.000 Correct.

01:36:12.000 Wow.

01:36:13.000 Okay.

01:36:13.000 Um how much are you paying a lawyer your lawyer a month?

01:36:17.000 Uh it's around a thousand and the so it's so it's it's it's a loan.

01:36:22.000 So it's around a thousand a month.

01:36:24.000 Okay, so I have like around like six K left to pay off.

01:36:28.000 Oh, he got a lawyer loan?

01:36:29.000 What do you call that?

01:36:31.000 A lawyer loan?

01:36:33.000 Regular loan.

01:36:34.000 Wait, you you took out a loan to pay the lawyer?

01:36:38.000 It's it's with um our firm or whatever you call that shit.

01:36:43.000 It's okay.

01:36:43.000 So it's like they they paid it.

01:36:45.000 Yeah, so is it a pay after th type of thing?

01:36:48.000 You just pay after?

01:36:49.000 Like a firm.

01:36:50.000 Yeah.

01:36:52.000 Yep.

01:36:52.000 Okay.

01:36:52.000 Well, no, you got a private attorney, right?

01:36:54.000 It's not a public defender.

01:36:56.000 Yeah, you don't know.

01:36:56.000 It's a it's a private attorney.

01:36:58.000 So he got a loan from a company, and he's paying the company back for the for the lawyer.

01:37:02.000 Took the money out, hey lawyer.

01:37:03.000 Oh, yeah.

01:37:04.000 So you took a private loan to pay the lawyer.

01:37:06.000 That makes sense.

01:37:06.000 Correct.

01:37:07.000 Yep.

01:37:07.000 I was confused there for second.

01:37:09.000 Bro, uh, I don't want to dude, you gotta work on your articulation skills, man.

01:37:12.000 Like, we have to ask a lot of follow-up questions because you're not very direct, and maybe a skill set you could work on.

01:37:16.000 I get it, you're on the phone first time.

01:37:18.000 But okay, long story short though, you summarized it very well.

01:37:20.000 I just think in this situation, he has a lot of bills going out, right?

01:37:23.000 Well, yeah, of course.

01:37:24.000 But but the other thing too is that like um, you know, I'm just trying to understand here because so he's got two pending criminal cases, and then he has two things in collections.

01:37:33.000 And a loan.

01:37:33.000 Then he has the yeah, so he has he has a private loan, he has two things in collections because of apartment uh the uh problems plus his other bills, and then the car payment, and then okay.

01:37:44.000 So, all right, bro, okay.

01:37:46.000 Now that we kind of understand what's going on here, I'm gonna go through this one more time.

01:37:49.000 So number one, you got two criminal cases open right now, right?

01:37:52.000 One felony, one misdemeanor, and you're that's gonna kind of contingent upon you doing classes.

01:37:56.000 Two, you have a credit card maxed out at one hundred dollars and another sorry, a thousand dollars, then another credit card maxed out at three hundred, then third, you have um some things in collections, uh, three to five hundred dollars, uh, disputes with family members and rent and friends or whatever maybe you guys left an apartment bad, and then you have a seven hundred dollar a month car payment, right?

01:38:16.000 Or some of those, and then uh three hundred.

01:38:19.000 Six hundred with uh three hundred insurance.

01:38:20.000 So another thousand on that.

01:38:22.000 So he's paying a thousand for his car, thousand for his lawyers, uh for his lawyer, um loans.

01:38:27.000 He's got two things in collections for about seven hundred dollars, then he has a credit card maxed out at a thousand, another one for thirteen hundred.

01:38:33.000 Okay.

01:38:33.000 So, okay, this is where this is what I'll say what we'll tackle first.

01:38:36.000 You need to get rid of the stuff in collections.

01:38:38.000 Number one.

01:38:39.000 And honestly, bro, it's less than a thousand bucks.

01:38:41.000 What is it?

01:38:41.000 You said four hundred dollars on one and then like another three hundred dollars?

01:38:45.000 Uh five hundred on one and then two hundred on the next.

01:38:47.000 It's gonna bo it's gonna boost your score.

01:38:48.000 It's gonna boost your score up a lot.

01:38:50.000 So I'll say tackle the collections first, bro, because having anything in collection is gonna fuck your shit up.

01:38:54.000 So um so number one, pay the collections off.

01:38:56.000 It's only seven hundred dollars, bro.

01:38:58.000 You can do it, right?

01:38:59.000 You could think Here, even though you're in a very bad situation uh with all the other stuff, it's not insurmountable.

01:39:04.000 We can absolutely get out of this.

01:39:06.000 Okay.

01:39:06.000 You make a good amount of money a month.

01:39:08.000 Yes, you have these two criminal things, but you know, you gotta you got a private lawyer.

01:39:11.000 More than likely, you're probably out of you know, plead this down to misdemeanor.

01:39:14.000 You might not be able to carry a gun again, I'll be honest with you, but that's fine.

01:39:17.000 Um, it's not a big deal.

01:39:19.000 You have a misdemeanor conviction.

01:39:21.000 Uh just never talk to this girl again and just be smarter. 0.97

01:39:23.000 Yeah.

01:39:23.000 Um, so I would say number one, tackle the collections.

01:39:25.000 That's number one.

01:39:26.000 Number two, pay off the $300 credit card that you have maxed out.

01:39:30.000 Having a maxed out credit card, bro, uh, is always gonna mess your mess your credit score up.

01:39:34.000 Okay.

01:39:35.000 If you can do those the first month, we're that's what, a thousand bucks uh between those three different expenses.

01:39:40.000 Then next I'll knock out the one thousand dollar credit card that's maxed maxed out because the thing that's dinging your credit score right now because you're sitting at about a 530, if I'm not mistaken, is the two things of collections, then your cards being maxed out.

01:39:50.000 Yeah, if you can get rid of the two collections uh payments, um, and then the $1,300 that you own the two credit cards, that's gonna significantly boost your credit score until probably the 600s easily, maybe even low 700.

01:40:00.000 650.

01:40:01.000 Um 650, maybe into 700s.

01:40:04.000 Who knows?

01:40:04.000 Um, assuming that's all the debt you have.

01:40:06.000 And then uh you obviously oh you said about 17k on your car, which is fine.

01:40:10.000 Just keep making the payments on that.

01:40:11.000 Yeah, for now.

01:40:12.000 Uh for now.

01:40:12.000 Because I would say the the credit card collections is way.

01:40:15.000 That's the way.

01:40:17.000 That's that's that's what's really hurting you.

01:40:19.000 Um, and then yeah, dude, I think just off that alone, you'll be fine.

01:40:23.000 Just see it.

01:40:24.000 Obviously, the criminal cases, you gotta deal with that.

01:40:26.000 It kind of sucks.

01:40:27.000 Um, but the good thing is is that it seems like the prosecutor's working with you, and you'll probably be able to get some type of deal where you won't do jail time.

01:40:34.000 Um, whatever you do, do not I I would fight to not get uh plead guilty to a felony.

01:40:39.000 You know, even if you plead guilty to domestic violence, that's kind of bad too.

01:40:43.000 I ain't gonna lie, bro.

01:40:44.000 You'll never be able to own a gun again.

01:40:45.000 Uh, but you don't want to follow any conviction.

01:40:47.000 Damn.

01:40:48.000 Yeah, because it's domestic violence. 1.00

01:40:49.000 If you plead guilty to it's a Lautenberg Act.

01:40:51.000 Um so that's that's what I would say, bro.

01:40:54.000 Uh what do you think, Fresh?

01:40:56.000 Based off that what he told us.

01:40:58.000 It's pretty sound, but again, the car is at least your worries, bro.

01:41:00.000 Yeah.

01:41:00.000 Uh yeah.

01:41:01.000 Your score going up, and you can pay out these small ones first, is way better.

01:41:04.000 Yeah.

01:41:04.000 Collections, bro.

01:41:05.000 Number one.

01:41:05.000 Yeah.

01:41:06.000 Pay those off first.

01:41:06.000 And you got the money, you can do that, bro.

01:41:08.000 You got 450, bro.

01:41:08.000 You can pay that off today.

01:41:10.000 Bro, never live with another girl again, bro.

01:41:11.000 Yeah.

01:41:12.000 Oh my fucking God.

01:41:13.000 Yeah.

01:41:13.000 That hurt my ears, bro.

01:41:14.000 Yeah.

01:41:15.000 Oh, uh, another thing with collections, just so you know.

01:41:18.000 I mean, you could do this if you want, bro, but you could call them and tell them, hey, I don't have all the money.

01:41:22.000 Uh, you know, I could pay you guys this much.

01:41:24.000 But bro, it's so little.

01:41:25.000 We're talking about like 700 bucks, bro.

01:41:27.000 Just pay the 700 bucks to get rid of that shit.

01:41:28.000 I'll take 700 from your 4500, bro, and I'll just pay and get that collections done with, bro.

01:41:32.000 Yeah.

01:41:32.000 Collections absolutely trashes your credit score, bro.

01:41:35.000 It does.

01:41:37.000 All right.

01:41:38.000 Does that does that you write all that down?

01:41:40.000 Yeah, I did.

01:41:41.000 I did actually.

01:41:42.000 So look, bro.

01:41:43.000 No, no, you're watching back.

01:41:45.000 Watch it back.

01:41:45.000 Watch it back too.

01:41:46.000 But this is look.

01:41:53.000 Step one, you're gonna pay off those things in collections.

01:41:55.000 You're gonna take a portion of that 4,500 that you have saved, you're gonna pay off that thing in collections.

01:41:59.000 Then you're gonna attack the credit cards.

01:42:01.000 The $1,000 credit card and the $1,300 credit card, the $300 credit card, you're gonna pay those off next.

01:42:06.000 Okay.

01:42:06.000 So collections first, knock that out, then the credit cards.

01:42:10.000 After you have that done, start saving money again.

01:42:12.000 Prepare for your legal defense, talk with your lawyer, figure out what your options are.

01:42:16.000 Do not plead guilty to a felony if you can avoid it, bro.

01:42:18.000 And then also, if you could plead guilty to something else that isn't a misdemeanor crime of domestic violence where you don't you can still carry a gun, do that as well.

01:42:26.000 You got a private lawyer, you should have some options.

01:42:28.000 Um, and then stay out of trouble, bro.

01:42:30.000 Like the fact that you got arrested twice, twice in a short period of time, that can look very unfavorable for you, especially since you already had a case against you.

01:42:38.000 So um just be on your best behavior, no dumb shit, bro.

01:42:41.000 Uh, save your money because who knows what might happen.

01:42:44.000 Uh I don't foresee you going to jail, but you know, who knows what the hell's gonna happen.

01:42:48.000 So pay off those debts, collections first, credit cards next, save up as much money as you can in the process, pay your lawyer, stay out of trouble, and then as far as your car goes, I wouldn't worry too much about that, bro.

01:42:58.000 Let's deal with the problems at hand first, your criminal case and your collections and your credit card debt.

01:43:02.000 Um, and then as far as the car payment goes, once you have all that handled, man Fresk can help you out with the car payment next.

01:43:07.000 But you you're probably gonna you're gonna be in a similar situation where you're probably upside down on the car, I'm assuming.

01:43:12.000 Yeah.

01:43:13.000 Does that help, bro?

01:43:14.000 For sure.

01:43:18.000 Does that help?

01:43:19.000 Yeah, definitely, Mario.

01:43:20.000 I appreciate it, man.

01:43:21.000 Hey man, you're not alone, bro.

01:43:22.000 We got you.

01:43:22.000 Like you did some mistakes, but it's not the end of your life.

01:43:24.000 You're in a good position.

01:43:25.000 We can still absolutely turn this around, okay?

01:43:28.000 Gotcha.

01:43:29.000 All right, man.

01:43:29.000 Yo, keep your head up, bro.

01:43:31.000 You're fine.

01:43:32.000 Yeah, all right, man.

01:43:33.000 Bye.

01:43:33.000 All right.

01:43:34.000 Yeah.

01:43:34.000 That's a lot of uh holes to fill.

01:43:37.000 But he can do it.

01:43:38.000 Yeah, uh Chris is here.

01:43:39.000 Uh girls are here as well, so we're gonna close out for after hours.

01:43:41.000 All right.

01:43:42.000 Um guys, uh, we're gonna reach out.

01:43:43.000 Yeah.

01:43:44.000 Oh shit, it's already 1045.

01:43:46.000 Yeah.

01:43:46.000 Okay.

01:43:47.000 Uh T Fred.

01:43:48.000 Gifted one uh sub.

01:43:50.000 Appreciate that, bro.

01:43:52.000 Damn, Del Mont, go, go, Del Month, go.

01:43:55.000 Rog, Roger with the 50.

01:43:57.000 Thank you so much for it.

01:43:58.000 Uh Suey says, hey Marvin, I really want to help my mom rent her house, Long Island, and be able to live off tenants.

01:44:03.000 I'm a first gen. Right now, I'm just a lifeguard making two and a half K a month.

01:44:06.000 I'm gonna start a second job this month.

01:44:08.000 What can I do to start helping her?

01:44:09.000 The house has three bathrooms for uh oh, three bathrooms for uh rooms and a downstairs studio uh style living room area.

01:44:18.000 Um I mean you can rent it, bro.

01:44:22.000 Uh you just gotta rent you gotta rent to that market rates, bro.

01:44:26.000 You know what I mean?

01:44:26.000 You gotta rent it at market rate is really what it comes down to.

01:44:31.000 Um for anyone looking for a better uh beater, FB Marketplace is a good place to start.

01:44:35.000 You can get a nice beater vehicle, three to four K cash.

01:44:38.000 All right.

01:44:39.000 Fresh, I'm trying to I'm trying to buy a Lamborghini Mercy Lago with 23% interest.

01:44:42.000 I have 69 dollars to my name.

01:44:44.000 I think it's a good idea.

01:44:45.000 All right, bro.

01:44:46.000 All right, Dam says, can you bring someone that knows how to uh leverage credit cards?

01:44:50.000 I see people next talking about getting 0% APR cards and transferring the balance to your credit checking account to buy stocks in crypto, and it's not a cash advance like most people think.

01:44:58.000 Uh bro, we've we've talked about that on our show plenty of times.

01:45:01.000 Um what about the American, right?

01:45:03.000 The one you just mentioned, Bank of America?

01:45:04.000 Yeah, yeah, there's credit cards that will let you um you know do a balance transfer and then you can like leverage that thing and then you just gotta pay it back in 18 months.

01:45:11.000 So, yeah, bro.

01:45:12.000 We've talked about it plenty of times.

01:45:14.000 Uh Juice Crew Meek, W Money Mondays, F a car.

01:45:16.000 I'm trying to have two duplexes by 30, uh, one more to go.

01:45:18.000 I'm 28.

01:45:19.000 There you go, bro.

01:45:20.000 Good stuff.

01:45:20.000 Your stuff.

01:45:21.000 Um fresh.

01:45:21.000 See, look, if you guys want to buy a car and you know, all this other stuff.

01:45:25.000 If your c if your house could pay for your car, that's a different story.

01:45:28.000 Your your asset pays for your liability.

01:45:30.000 But you don't want your earned income paying for your liability, bro.

01:45:32.000 Uh fresh buying Lambo is paying for box.

01:45:35.000 Don't say it's for you.

01:45:36.000 That's like a 304 sanction dress for a cell. 0.84

01:45:38.000 No, you idiot.

01:45:39.000 First of all, Mario, when I met you, what was one of my goals from the very beginning?

01:45:42.000 Oh, you always want to be uh buying Lambo.

01:45:44.000 I've always won Lambo from this fucking Actually when it's first game.

01:45:47.000 My whole story.

01:45:47.000 Going to Starbucks, same guy with Lambo with a chicken in the front seat.

01:45:50.000 I was one on one.

01:45:51.000 Mm-hmm.

01:45:52.000 Yeah, more girls before Lambeau. 1.00

01:45:53.000 And I honestly, guys, I get more girls with Aston Martin and I do Lambeau.

01:45:56.000 Funny story.

01:45:57.000 It's crazy, but it's less money, but I get way more girls. 1.00

01:46:00.000 So there you go.

01:46:00.000 Yep.

01:46:01.000 Absolutely.

01:46:02.000 Keep tripping says, Fresh buying a Lambo.

01:46:04.000 Oh no, sorry.

01:46:05.000 Uh Mallow Boy says, Myron, I need some advice and real estate.

01:46:08.000 I'm trying to buy a house with my cousins, and I would like to know how much money do we need and what kind of paperwork ins and outs or are you gonna make a real estate episode?

01:46:14.000 I've bro, we have plenty of real estate episodes.

01:46:16.000 Search um how to buy real estate 101.

01:46:19.000 We have a couple episodes on it.

01:46:20.000 We did one with bigger pockets, actually.

01:46:22.000 But here's the one thing I will tell you, bro.

01:46:23.000 Do your first deal by yourself.

01:46:25.000 Do not go in with friends or family your first deal, bro.

01:46:27.000 And the reason why is because you need to learn how to do a deal from beginning to end.

01:46:30.000 Yep.

01:46:31.000 Uh and understand what it's like to be in landlord and figure it all out, man.

01:46:34.000 So don't do your first deal with people.

01:46:36.000 Do it by yourself.

01:46:37.000 Hey, Fresh If it I take a personal loan of 10K and buy a car at seven or six and only pay the bank instead of car loans.

01:46:43.000 Is it better or worse?

01:46:44.000 Give me your opinions on what should I do?

01:46:45.000 Yo, yo, dead ass, bro.

01:46:47.000 It's not a bad idea.

01:46:48.000 So, guys, cheat code, he just said here.

01:46:50.000 Before you go to dealership, every single time, go to your local credit union, get their loan first, then go there.

01:46:58.000 You're gonna see the average of how much interest you pay for credit loan.

01:47:00.000 Sorry, credit credit union loan.

01:47:02.000 So you're saying get a credit union loan, go there and buy a cash.

01:47:04.000 And then pay the credit union instead.

01:47:06.000 And also financing for dealerships are always higher interest rates.

01:47:08.000 Of course.

01:47:09.000 They get they get a cut.

01:47:10.000 Yeah.

01:47:10.000 They get a cut.

01:47:11.000 That's smart, bro.

01:47:11.000 That's my boy.

01:47:12.000 Very smart, bro.

01:47:12.000 But see, here's the thing.

01:47:13.000 I'm assuming you probably can't do that with like 40, 50k.

01:47:15.000 Like if it's a cheaper car, you could do it.

01:47:18.000 Yeah.

01:47:18.000 Yeah, bro.

01:47:18.000 That's a good idea.

01:47:19.000 Even a credit card.

01:47:20.000 You said that balance.

01:47:21.000 Put it into account.

01:47:22.000 0% interest for that entire year.

01:47:24.000 But realistically speaking, bro, just buy the car cash and own it, man.

01:47:28.000 Like at that point, man.

01:47:29.000 Like just buy it, owed it cash.

01:47:30.000 It is better.

01:47:30.000 It's better.

01:47:31.000 Like, why even a credit union?

01:47:32.000 Yeah, I get it.

01:47:33.000 The interest rate's going to be a bit lower, but why even go into the debt?

01:47:35.000 All right.

01:47:36.000 Uh Ken Rose says, I disagree with Fresh.

01:47:37.000 I don't think the American dream is dead per se, or we'll die next year.

01:47:40.000 The traditional path to get there is dead.

01:47:42.000 First of all, the American Dream is dead.

01:47:45.000 What is the American dream?

01:47:46.000 White picket fence, house, family, college degree.

01:47:49.000 Shit is over, my nigga.

01:47:50.000 That shit's 20.

01:47:51.000 2017, nigga. 0.99

01:47:53.000 That shit's over with.

01:47:54.000 Now it's more based off of freedom.

01:47:56.000 That's the American dream.

01:47:57.000 To live a free life and do what you want to do when you want to do it.

01:48:00.000 That's the new American dream.

01:48:01.000 If you don't ask if you don't care if you don't think it's true, bro, ask any multimillionaire what they're doing what the actual living living uh is like.

01:48:09.000 Lifestyle.

01:48:10.000 They could whatever they want whenever they want.

01:48:12.000 Correct?

01:48:13.000 Yeah.

01:48:14.000 Yeah, I mean to a degree, yeah.

01:48:15.000 So who's up next?

01:48:17.000 Greetings, Myron, green expression.

01:48:19.000 Blessings.

01:48:19.000 Thanks, Ken Rose.

01:48:20.000 Blessings, bro.

01:48:20.000 Shout out to you.

01:48:21.000 Edgar, I'm owned two, uh, I've owned two CLS 550 09 and 2010, and they're extremely high maintenance because they come with air suspension.

01:48:28.000 They ride smooth, but damn, they are more high maintenance than a Miami 304.

01:48:31.000 There you go.

01:48:32.000 Boom.

01:48:33.000 So our brother from Washington DC, bro.

01:48:34.000 You look, you have someone right here that had one and he's telling you not to buy it.

01:48:37.000 Yo, CLS is not cheap, bro.

01:48:38.000 That's a 100k car, man.

01:48:39.000 That's a six figure car.

01:48:41.000 Bro, they will rate great pew with uh, you know, repairs.

01:48:45.000 And and the fact that he's getting it at such a price, there's problems.

01:48:48.000 24 launcher, 500 a month, 200 assurance, 5k a month, 36k miles.

01:48:52.000 What's good?

01:48:52.000 My high mileage beat 'em up or E class C class to pivot into.

01:48:56.000 That's a lot of money for a fucking Lantra. 0.98

01:48:59.000 It's a year of 24 though.

01:49:00.000 Yeah.

01:49:01.000 Probably why.

01:49:02.000 Yeah, that's why.

01:49:02.000 These brand new cars are all like damn near luxury.

01:49:04.000 That's why.

01:49:05.000 Bro, you can get a fucking Mercedes for that price.

01:49:07.000 Like, what the fuck?

01:49:08.000 Yeah.

01:49:08.000 Okay, what's the good high beat up?

01:49:10.000 Beat him up.

01:49:11.000 Oh, bro.

01:49:11.000 Get a 20 15 Toyota.

01:49:16.000 14 Toyota.

01:49:18.000 Class C to pivot into.

01:49:19.000 Yeah, bro.

01:49:20.000 Honestly, bro, like, guys, all the newer cars are gonna be map way expensive because of obviously the higher price.

01:49:26.000 Uh yeah, bro.

01:49:27.000 Old Toyota, bro.

01:49:28.000 Goes a long way.

01:49:29.000 Alright, right.

01:49:30.000 What's next?

01:49:31.000 What's up next?

01:49:31.000 Toyota Cammy works too.

01:49:34.000 Cool.

01:49:34.000 Fellas, uh, Chris is here.

01:49:36.000 Really informative episode.

01:49:37.000 Very good episode.

01:49:38.000 We're gonna go live uh on after hours here, probably within the next 20 to 30 minutes.

01:49:42.000 So we're gonna do this most Mondays and Fridays.

01:49:46.000 Mondays will, yeah.

01:49:47.000 So we'll have a topic, guys.

01:49:48.000 The way it's gonna go is we'll have a topic for you guys, then we'll open up the phone lines, answer questions.

01:49:52.000 Yeah.

01:49:52.000 Um, and uh yeah, and then we'll probably do this on Fridays as well for you guys as well.

01:49:56.000 Yeah.

01:49:56.000 Um, but yeah, fresh fit, guys.

01:49:58.000 You guys can see here, man.

01:49:58.000 Lifesaving information here.

01:50:00.000 It's gonna be on YouTube.

01:50:01.000 It's gonna be financial stuff.

01:50:02.000 But for the fun stuff, guys, kick and rumble tonight after hours.

01:50:06.000 So uh so we'll see you guys there.

01:50:07.000 We're not gonna be on YouTube for that.

01:50:09.000 You guys already know.

01:50:09.000 So come on over to Rumble and Kick.

01:50:11.000 Uh we'll drop the link for the streams there.

01:50:13.000 Kick.com slash fresh it fit.

01:50:15.000 Rumble.com slash fresh a fit.

01:50:16.000 Those are our two URLs.

01:50:17.000 And uh yeah, guys, we'll catch you guys over there.

01:50:19.000 Peace.

Fresh & Fit - September 08, 2025

America’s #1 Wealth Killer Is Keeping You Poor And No One Told You!

Episode Stats

Summary

Transcript