In this episode of the Fresh Air Podcast, we are doing a call-in show where you guys can call in and ask any questions you have about credit, real estate, or any other thing you want to ask us. We will be answering all of your questions and talking about a bunch of different things. Thanks for calling in and we hope you enjoy the show! If you guys like the show, please HIT SUBSCRIBE so you can get notified when we upload a new episode every Monday morning. Thanks again for listening and God bless! Peace, Blessings, Cheers. - The BrokeBaddies CHAT WITH ME AND THE BOYS IN OUR FACEBOOK GROUP AND DISCORD CHAT SERVER! CHAT AND GIVE TO CASTLE CLUB AND RUMBLE RANT AND RANT ON THE CHAT CHAT. CHAT AT CHAT! AND DONATE TO CASH AND GROW YOUR MONEY AND SUPPORT THE SHOW! CHECK OUT CASH & FRIENDS IN OUR INSTAGRAM AND OTHER SOCIAL MEDIA AND PODCAST PLATFORMS! CHATING AND TALKING ABOUT THE SHOW AND MORE! CHATING ABOUT THE MONEY, LIFE AND LIFE AND DEALS, WELL-DEDUCATION AND PRICING! CHEERS! WELL, WE HAVE A LOTS OF FOLLOWING LINKS AND PROMOTION AND PRODUCING! - CHAT & GIVING TO COULDY BABY BECAUSE WE'REACHIEVEMENTS AND OTHER THOUGHT AND PRACTIONS, WE'LL BE AVAILABLE IN OUR MONEY & PRACTICYNN'S BABOUT TO HELP SUPPORT OUR MEDITATION AND WELL AND OTHER MONEY! YO'LL HAVE A PRODCAST AND WE WILL HAVE A CALL-IN SHOW AND OTHER FUN AND GOT A PRACTICE TO SUPPORT US IN OUR NEXT EPISODCASTLE CLOUT AND OTHER MEETING TO HELP WITH OUR FUN AND MONEY BOUT SOMETHING? WE WILL BE TALK ABOUT ALL OF THE FUN AND OTHER PRACTICS AND STUFF THAT WE WILL GET A CALL IN AND GOSHTOWNING IN AND OTHER DOGS TO HELP OUT AND SUPPORT OUR MAKING FUN AND FUN AND MEETINGS AND TAYLOR AND GIVES TO OUR PUT ON THE SHOW, WE WILL ALSO GET A PROODS TO HELP THEM DO SOMETHOOD AND OTHER VOTED TO HELP ME OUT AND OTHER PLACED TO GET AN IDEA OF HOW TO SUPPORT OUR FUNDS AND MALAY AND OTHER MAKING MONEY TO HELP US GET HELP AND SUPPORTER SUPPORT AND SUPPODCAST WITH OUR SUPPORTED AND OTHER FEEDBACK!
00:12:13.000This is the nigga version of the Dave Ramsey show, so I hope you guys are going to enjoy it.
00:12:16.000We're going to be talking about a bunch of different things when it comes to whether it's credit, real estate, whatever questions you guys got.
00:13:16.000Put the last four digits of your phone number in the Super Chat, and you'll be able to cut the line.
00:13:21.000So, if you're watching on YouTube, use FNFSuperChat.com.
00:13:24.000If you guys are using Rumble, Rumble Rants It In, or FNFSuperChat.com.
00:13:28.000Or, if you're on Castle Club, you can donate through Castle Club.
00:13:31.000Or, if you're a Castle Club member and you're on the Zoom call, we're going to be going back and forth.
00:13:35.000But if you want to cut the line on Castle Club to be at the top, top of the line, donate to Castle Club, and then we'll get you in right away.
00:13:41.000And you can let Mo know in the Zoom call or whatever it may be.
00:13:44.000But those are the different ways that you guys can get involved in the show depending on what platform you're on.
00:14:10.000And also, another thing, if you guys want, you can actually watch the stream on Castle Club right now and join the Castle Club chat because the chat over there is way more fun.
00:14:19.000They go crazy with the memes and all this other shit.
00:14:21.000So if you guys want to join a funny community over there of guys that make funny-ass memes, whether it's Fresh Updates or any of the other guys that put these hilarious-ass fucking super chats together where they rhyme like Cam two times, etc., Definitely join the Castle Club chat.
00:14:33.000If you want to roast, enjoy the actual show and put whatever you want.
00:14:36.000Yeah, y'all want to cook Moe and shit like that?
00:18:58.000Yo, Rumble has been saving creators' lives for the past years, and they don't get enough credit, man.
00:19:05.000They've been putting the work in for us as creators that are very controversial, and they take a lot of slack when they should be getting a lot of praise, man.
00:20:04.000We can actually do XYZ and trigger somebody and it blows up on purpose.
00:20:10.000I'm convinced we're so fucking popular that a new YouTuber could go ahead and make a video on us and their shit will automatically blow up.
00:24:06.000I was going to say, when all of this shit goes up, and I have a hell of money, hopefully, your advice is to mainly put it into real estate.
00:24:16.000From what I've been hearing, you always preach on real estate.
00:24:19.000So that's how you think that I should build my wealth?
00:25:32.000So, my cousin be telling me, he used to be a realtor.
00:25:37.000And he always be telling me to, whenever I go to any realtor to talk about buying a house, he tells me to always ask for, like, the off-market deals.
00:26:20.000So, look, off-market deals are cool and everything else like that, but bro, you gotta find a deal first before we even talk about, oh yeah, I'm gonna go look off-market, whatever.
00:26:29.000Yes, off-market can absolutely give you good deals, whatever, but the point is that we gotta learn how to crawl before we sprint.
00:26:36.000Because the thing with off-market, and I'm going to tell you why I'm telling you this.
00:26:39.000Off-market deals are off-market for a reason.
00:26:40.000Typically, the reason why is because there's problems with the house that it doesn't make sense to list it because buying it in a conventional manner won't be feasible.
00:26:55.000Let's say there's a house that is worth maybe $300,000, but it has really bad plumbing issues that would never get approved by a bank, right?
00:27:06.000So the reason why it's off-market is because the seller understands that they'll never be able to get what they want for the house.
00:27:12.000So they have it off market where you have more aggressive and creative real estate investors because they're looking off market and they'll go ahead and be able to take that in and they have some type of infrastructure where they can, maybe they didn't know a plumber, maybe they can get it fixed for a certain amount where it would make sense for them.
00:27:28.000But for a conventional regular investor like yourself who would be a beginner, you're not going to have that infrastructure where you can come in, you know, save $100,000 on buying a house, but now you need to go ahead and redo all the fucking plumbing.
00:27:40.000Off-market deals, 9 out of 10 times are off-market deals because they're a more sophisticated deal that requires a more sophisticated investor that knows what he's doing to take on that risk.
00:28:00.000You know, try to get a house that's damn near turnkey.
00:28:02.000I always advocate that beginners should always be looking for turnkey properties as their first property so you don't get a bad taste in your mouth getting into the real estate game.
00:28:11.000Because you can absolutely be disheartened and be pissed off if your first deal is a bad one and you want to save a couple bucks, you want to rehab all this other shit.
00:28:20.000That's a lot for a beginning investor to do.
00:28:22.000Get a turnkey, FHA that bitch, and you'll be fine.
00:28:50.000That's what we're here for you guys to do, bro.
00:28:51.000So thank you so much for calling into the show, and I'm glad you asked that question because that's something that I think a lot of people that are new to real estate need to focus on.
00:29:00.000Guys, please, your first house, you have two options.
00:29:04.000Get it under FHA where you put 3.5% down and house act that bitch.
00:29:08.000Or B, if you're going to buy it as an investor, put your 20% down.
00:29:12.000But the thing that you should be doing as your first deal every single time is it needs to be a turnkey.
00:29:40.000You don't want to go ahead and, you know, be one of these niggas come in and buy a house for 10k that needs to be completely rehabbed and all this other stuff and you got to go ahead and take out a loan and, oh yeah, I'm going to go ahead and work on my, getting my ARV after repair value.
00:31:38.000First of all, I'd love to thank you all for the content you guys did.
00:31:47.000To be honest, I know it's Monday, Monday, but I've been trying to connect with you guys for a while.
00:31:53.000And, uh, I'm from the Middle East, from the UAE, so...
00:31:57.000Hey, bro, your phone, your connection, your phone doesn't sound very good, so just ask the question right away, bro, because your phone, you're from the UAE, cool.
00:32:05.000But just ask your question, because your phone really sucks, no offense.
00:33:08.000You guys are awesome and I know it's Money Monday, so I'm not going to take a long time, but I just want to really, really say thank you guys.
00:33:15.000No, I really appreciate that, man, and thank you for calling in and letting us know how we impacted your life.
00:33:20.000Like I said, the only reason is because your phone sounds kind of bad on the air, but we were able to make out what you were saying.
00:33:27.000So thank you so much for calling in and giving us that.
00:33:29.000Guys like you definitely motivate us and inspire us to keep going, despite the fact that, hell, we counted up 15 different occasions where people have come for our necks.
00:33:37.000So guys like you kind of remind us why we do what we do, bro.
00:35:25.000It's like, wow, he did because his rhetoric, his speech, his mindset, people were able to be more aware of what was happening in real time with dating, money, investments, and to be fair, he changed my life too.
00:35:37.000I remember I was dating a single mom and I'm marrying her, bro, and I felt alone and depressed and by myself.
00:36:02.000And that right there changed my whole life path.
00:36:06.000And if that wouldn't happen, I would not be here today.
00:36:08.000So I mean, listen guys, you might hear a line or maybe a video or watch a couple of videos and say, damn, this changed my whole life path and it can help you anyway.
00:38:12.000Bro, I vividly remember this because we spent like 10 to 20 minutes on the phone with you and Fresh went systematically, step by step, what you need to do.
00:38:26.000The car that you have is a luxury vehicle and it got totaled and literally Fresh told you, step one, you need to figure out what's still left on the car because I remember that you had said, oh, I don't want to make the payments anymore and Fresh told you, no, don't do that because they're going to sue your ass.
00:39:52.000They should be giving you that ASAP. Yeah, man, it's so hard to deal with them, man.
00:39:58.000They even, like, they don't want to, they don't, like, the lien, the lien, the car lien, the company, they don't want to even give it to the...
00:40:10.000If you can't get that from the actual dealership, something's wrong.
00:40:13.000However, if you want to know the exact number or close to it, Go to kellyblueboat.com, kellyblueboat.com, type in your car trim, model, and year, and it's going to tell you the range between what the car is valued at at the current time.
00:40:30.000That's how you can know what the value of the car is in real time.
00:40:33.000But again, it's better if you have the more precise number from the company, but for whatever reason you're saying they're not giving it to you, which I don't understand why, but that's what I would do right now.
00:40:50.000They told me, look, man, whenever they settle everything and your issue is pay the lien holder, we will come after that and cover the rest of the thing.
00:41:00.000And they told me, look, whenever everything's done, call us when everything's done.
00:41:45.000Whenever the car gets hit, they send it there to sell it on auction.
00:41:49.000So typically, they send a car to either your choosing of a company to repair, like a repair shop, or their company that they repair cars at.
00:43:02.000When the hoes were talking to each other.
00:43:05.000So, either, like, you try to show us the women nature, or either, like, you try to say, listen, guys, women are black-built, and they read the room.
00:45:04.000Now, what this showed when we actually brought the women to the table and started having a discussion was when the women were having disagreements or arguments or whatever, and they would bring up certain topics or stories on their experiences from them being cooped up with each other back there for a few hours, what it revealed was Women are able to see social situations and be able to feel things on a deeper level than men are.
00:45:28.000They're able to read the room better than us.
00:45:30.000They're able to pick up on little nuances.
00:45:46.000Oh, you look great, all this other shit.
00:45:48.000But the reality is they have some other pent-up resentment in the back of their minds and it's not until they're pressed or they have a disagreement that they actually let the things come loose.
00:46:04.000This was really weird, disturbing behavior, blah, blah, blah.
00:46:06.000But she never mentioned any of that when they were in the back over there.
00:46:09.000And it wasn't until they came to a heads that she finally admitted this stuff.
00:46:12.000And the little nuances that they picked up on, if you guys watched that episode back, it's a fantastic representation of female psychology.
00:46:18.000How, oh, you didn't say this to me or you said this to me in a certain way.
00:46:22.000It goes to what I always tell you guys on this podcast.
00:46:24.000Women don't necessarily care about what it's said.
00:46:30.000What you guys saw on the panel from the ladies arguing with each other or bickering, etc.
00:46:34.000was a perfect culmination and representation of how women battle in the cerebral when dealing with each other versus in the physical like men do.
00:46:42.000That's what you guys were able to effectively see on the podcast last Friday.
00:46:46.000I really do want you guys to go back and watch it.
00:46:48.000And you guys, besides the fighting and the ratchetness, you guys are going to see a lot of the social nuances and differences between men and women picking up on petty little things to substantiate their disagreements or dislike for each Yeah.
00:47:53.000Donate with FNFSuperChat.com if you're on X or on YouTube.
00:47:57.000Well, no matter what platform you're on, you can get involved with the show, FNFSuperChat.com.
00:48:00.000If you're on Rumble, Rumble Rant, or if you're on Castle Club, go ahead and send a donation through Castle Club, and we'll skip you in the line, because we got a bunch of guys on hold here on the Zoom call as well.
00:50:58.000And the problem with Airbnb is that a lot of states, a lot of counties, they don't approve of it.
00:51:02.000So if you're, for example, HOA community or your, for example, district doesn't allow that, and you do it and you get caught, you may get in trouble.
00:51:11.000But if you do Roomster, you're just renting out a room.
00:51:14.000You think that's a safer alternative, right?
00:51:18.000You put your house or your room online, people apply to it, and you just see the credit score, you see where they're at, what their job is, and you say yes or no.
00:51:25.000So it's more of a long-term tenant versus dealing with...
00:51:28.000Because, bro, I'm concerned with you having an Airbnb and people revolving, coming in, random people in your crib, bro.
00:51:35.000And for example, you don't give them what they want.
00:51:39.000They can just make a complaint and then your property comes up and you get in trouble.
00:53:46.000Alright, let's put some ground rules here.
00:53:48.000Guys, when you call to the show, right, stop withholding information because when you withhold information, it makes the process extremely grueling for us to be able to actually help you.
00:53:59.000Like, I notice here that, because this happened a few times now, where we ask you guys certain questions that are extremely pertinent for us to be able to give you the best answer we can, and you guys either lie about said answer or you don't want to disclose it, and then we're kind of sitting here like, well, what the fuck?
00:54:43.000That loan type, I never heard about it before.
00:54:45.000I thought it was the one that they give you funding for your renovations.
00:54:47.000And the reason why I ask that is because typically, the less money you put down, the less wiggle room you have to put tenants and Airbnb and do all this other shit.
00:58:00.000Because, like, I watched, like, an old sneaker video about a lycologist scam, and I pretty much, like, I pretty much saw that for my whole life.
00:58:08.000So, right now, I'm working with my dad.
01:00:59.000Yeah, because the software I use is similar to probably what Justin's using for his digital marketing sales agency, and I'm trying to network and work with people like that.
01:01:43.000Especially for more detailed stuff, guys.
01:01:46.000And what he's asking, guys, for those that are wondering, our marketing guy behind the scenes, he's actually one of them boys, too, which is hilarious.
01:02:41.000Get massive value, because they come back every week saying I learned something new, I can apply today to my life.
01:02:46.000So listen, guys, if you want to learn these different categories of life, we got you guys.
01:02:49.000Because we can only go surface level here, but there, I can literally sit there with you and be like, alright, you show me a real estate deal, give me that fucking address.
01:02:56.000I pull it up and I run the numbers there.
01:02:58.000Also, if you want to see my value, go on premium, you're going to see it.
01:03:01.000Because I give y'all niggas this shit for free.
01:03:03.000Yeah, and we can't go into detail on certain things.
01:05:45.000So it's a vast industry and that's why I'm trying to see if you guys have anyone in that space.
01:05:53.000Justin is your guy for that because he does a lot of this stuff where he deals with, because we're like the only influencers he works with, but he normally works with like brick and mortar businesses and businesses like that you're talking about right now.
01:06:04.000So we're the only influencers that he works with.
01:06:07.000So that's definitely a question for Justin.
01:06:10.000If you're a premium bro, he'll hook you up with that, no problem.
01:07:10.000To be honest with you, I think Justin will help you more than Hormozy, because Hormozy gives general stuff, but Justin will be able to answer your questions more direct on what you're doing, specifically.
01:07:21.000Okay, and I get access to him if I do premium.
01:09:35.000Yeah, so the thing is, bro, with a lot of these money market accounts, it's one of two things.
01:09:40.000It's either there's a high barrier to entry where you need quite a bit of money to put it in, Or B, you're able to get in at a lower cost, but you have to lock that money in for a certain amount of time.
01:10:31.000Alright, so I'll just stick with what happened now until I get enough to get the account that you just mentioned.
01:10:37.000Alright, the second part of the question is on the business-related.
01:10:42.000I currently own a business of auto detailing, so I clean cars and I enjoy it.
01:10:47.000And I was thinking, obviously, with me being here up in New York, it's going to get the cold season, so it's obviously going to get slow.
01:10:54.000Well, I want to keep the money going, right?
01:10:56.000And I was thinking about making another completely separate business on helping others deal with budgeting, like have a good budget to try and get them out of debt.
01:11:09.000Basically, I kind of got this idea from you guys because you guys keep on helping others, like, get the heck out of debt, you know what I mean?
01:11:35.000You said before that you kind of have helped family members or whatever, but outside of family members, how are you going to get out to new people?
01:11:42.000That's what I was going to say is that I want to try and be part of a networking group, which I'm already in, and try to spread it around through word of mouth first, see what their thoughts are and things of that sort.
01:11:55.000But just wanted to get your input on it.
01:12:31.000You can either A, keep doing your car detail business in New York and then potentially move to a warmer area where you can continue to use the Google Ads and see if you can still get that car detailing business going, maybe to Florida or somewhere warmer.
01:12:43.000Or B, you can start up this new business that you mentioned where you're going to be helping people with budgeting and stuff like that.
01:12:48.000But if you start this new business with budgeting, etc., people know you for the car detailing.
01:12:53.000So you're going to have to kind of Market in a whole other way and you're gonna have to pay for ads and ad spend is Can be very expensive very quickly, especially when you have an established name So are you okay with having to run ads and spend quite a bit of money on getting yourself out there in front of people?
01:13:13.000Yeah, I'm currently doing like up to a thousand dollars a month with running ads which is running me pretty good so far, but I Obviously slow season is slow season and that's why I was thinking about starting this other one and I was thinking about taking some money from my detailing business and putting it towards I'm a small startup of the budgeting business, so I just wanted to see if it was going to be a good move or not.
01:13:37.000There's one more option you can do, Caller, is you can create your own social media content in itself, where you give people advice, free value up front, and then you offer them a consult or you offer them a business deal.
01:13:47.000We'd have to get on social media to do that.
01:13:49.000Yeah, but you have to be more vocal and be on social media yourself, Instagram, TikTok, and YouTube.
01:17:34.000I mean, bro, honestly, if you guys take care of him and he's financially dependent on y'all, that means that he doesn't really have to worry about his own credit or sustaining himself.
01:17:44.000If you guys take care of him, let him file for bankruptcy, bro.
01:17:51.000Yeah, because y'all already support him, so he doesn't really need to be, like, have a good credit score and, you know, work and all this other shit.
01:18:12.000I'm not sure, like, how this works, like, the bankruptcy, like...
01:18:15.000Basically, he's gonna fuck his credit up for, like, seven years.
01:18:18.000So if he files bankruptcy, what's gonna end up happening is, like, outside of, like, unless he has student loans, but you're saying this is all credit card debt.
01:18:25.000If it's all credit card debt, what they're basically gonna do is they're gonna give him a free, a clean slate, but his credit's gonna be fucked.
01:20:12.000But would that affect all of his social security benefits or anything like that? - Or I don't think so. - There is a potential that they can take a portion of his social security benefits.
01:20:21.000But, you know, if you get a good lawyer, that's where the lawyer comes in and, you know, make sure that the government doesn't try to, you know, take that from him.
01:21:56.000So, gold, platinum, etc., they're charge cards, which basically means you've got to pay it off within 30 days.
01:22:01.000I mean, there are some options there where you can kind of let a balance carry, but it's a charge card, and the benefit is you can charge as much as you want, and there's no real limit.
01:22:11.000The negative is you've got to pay it back within 30 days, if not deal with higher interest rates.
01:22:14.000There's spending power on those cards.
01:22:19.000But what you could do is, let's say you know that you're going to procure an expensive-ass watch for $20,000 and you normally don't spend that kind of money.
01:22:27.000You could go ahead into the Amex app, let them know check spending power, click the button and basically give an estimate of how much you're going to spend so that when you do go ahead and buy that watch, you're not going to get declined.
01:22:39.000And then what ends up happening with the algorithms and everything else like that with Amex, it depends on how much you're spending a month.
01:22:44.000So if you're spending a certain amount consistently every month, then you don't need to check the spending power.
01:22:48.000But if you're sporadically buying things here and there with a quick turnaround, then you might need to go ahead and use the app and check the spending power.
01:22:55.000But yeah, bro, just use your Amex cards if credit limits are a thing for you.
01:22:58.000And then the other thing too, if you're not using charge cards, you're using conventional credit cards where you have limits, that just takes time and trust.
01:23:05.000So use a credit card for six months to a year.
01:23:08.000You've been making your payments well.
01:23:13.000You can always apply to increase the credit limit over a period of time, whether you do it via the app or just call them directly and say that you want to increase your limit.
01:23:23.000But those are the ways to deal with it.
01:23:48.000That's always somewhere between 6 to 18 months just as a promo for opening a lot of these cards.
01:23:53.000So don't get used to it and don't bank on it, right?
01:23:56.000Obviously, we give it to you guys as a tool and a way to kind of strategize getting yourself out of debt.
01:24:00.000I remember one guy called in, said that he has a bunch of debt on one credit card, and we said, hey, roll that over into another card that has 0% APR to give yourself more time to buy.
01:24:07.000But I don't want y'all becoming reliant upon that.
01:24:12.000The thing I'm trying to say is have good credit practices and utilize this 0% APR to build wealth versus staving off the inevitable and paying your debt back.
01:26:28.000I'm glad that you already have a lot of this stuff documented, which is beautiful because once you, you know, I always say what gets measured gets managed.
01:26:34.000You know exactly how much money you're making per month, how much money is going out.
01:26:37.000So if I'm not mistaken, you said you make somewhere between $6,000 to $8,000 a month.
01:27:47.000Okay, so you're in a good space because you know what's coming in and coming out, which you've already done 80% of the work just by doing that.
01:27:56.000And then you have only $1,800 on your car, which is fantastic.
01:27:59.000So you're virtually only going to have student loan debt, which I would argue, if you're going to carry any type of debt, student loan debt is the best one to carry.
01:28:07.000You said that, and then you said you kind of want to get into investing and everything else like that.
01:28:11.000I mean, bro, I would say step one for you is, and I see you're already taking steps with this, you've got to get your credit score to at least a 720.
01:28:19.000You said you're around 693, so you're right there.
01:29:12.000Just kind of a little congratulation to myself.
01:29:14.000I've been trying to get into the federal job, so I applied to be a firefighter recently.
01:29:18.000Today, I just passed the physical portion of the exam with 100.
01:29:21.000I'm waiting for my results for the written exam.
01:29:23.000Once those come out, I'll probably get that job, so that'll increase my income monthly even more, because I'm going to keep my side job as well.
01:29:30.000So, but what I'm asking you guys is, what is the, like, should I just keep doing what I'm doing?
01:29:34.000Is there a variation that you want me to add into it?
01:32:31.000Well, no, let's tie into it because faith and success, he wants to put it together, see how we balance it.
01:32:36.000But what I will say is success is what I more work towards, for example, getting deals, moving towards getting connections, networking.
01:32:45.000And it came at a price of being places that I didn't want to be sometimes.
01:32:49.000Sometimes I didn't want to go out, I didn't want to go to certain events, but I had to be there because I had to be a part of that community to make it work.
01:33:13.000I would say if you're going to follow the religion and follow faith itself, you should do it all the way.
01:33:18.000Don't just pick and choose what you want to do like what most people do.
01:33:21.000Like the girl the other day was like, oh yeah, I feel like women should be empowered because I feel this way and the Bible should do what I feel like.
01:33:33.000But if you want to balance it both, sometimes you have to say no because it's going to go against your faith or your belief and that's going to be a good or bad thing.
01:33:46.000Yeah, but I put success 100% as a priority.
01:33:51.000And thank God I'm still here, but, you know, I should be putting God more in the front, you know?
01:37:04.000And then they wonder why they don't get any progress or they don't know what to do because you have to expand your mindset to explore more, you know?
01:37:09.000So going for a vacation, not vacation, but like, you know, going to events, going to workshops around the States could help too as well.
01:39:14.000Because, to be honest with you, bro, if you look at your yearly salary minus taxes, you're not going to get that much money towards your debt.
01:39:22.000I would get a second job, bro, at least.
01:39:49.000Because my boss is hella lenient, so I'm able to, I mean, I'd still do, like myself, I work 7 to 3 Monday through Friday, so I could pick up, like, a job on the weekends, and in the afternoons or something, like fast food, I don't really give a fuck, just something else that brings in money.
01:40:06.000So, here's what I would say for you, brother.
01:40:09.000Either you can go on your own and do your own gardening company, for example, like landscaping, where you have your own clients and expand that client base, which is kind of a little bit more harder to do if you don't have your own setup right now.
01:40:21.000Or, you get a second job and use that money to pay off the debt.
01:40:26.000Because, bro, at 28k, which is before tax...
01:40:50.000And then to get into real estate, I was thinking about an FHA loan, but at the same time, I don't really want to live in this house.
01:41:02.000Is there any other types of loans that would be good?
01:41:07.000Unless you're trying to do conventional, no.
01:41:09.000I think for you, bro, you may not want to do it, but to be realistic, that's the best way you can get your foot in the door for 3% down, which is FHA. Okay.
01:41:18.000And actually own the property because, bro, otherwise, 20% down is what you got to put.
01:41:33.000My one buddy, he was telling me, he wanted me to get into the oil rigs, but I also, I really want to be an electrician, like get into the union, and I don't know, what's your thought, like, should I go for the union or should I go for the banks?
01:41:47.000So here's the thing about choosing your career path, right?
01:41:51.000I can't tell you what to do because this is going to be your life.
01:41:53.000But what I will say is, the first thing you need to do is pay off your debt.
01:41:59.000Secondly, I would venture out and if I have friends in the industry, I would ask them or either go to their workplace and see what actually they do and see if I like it and if I can actually do it well.
01:42:10.000If I can do it well and I actually like that field of endeavor, then that's what I'll do.
01:42:13.000Now, you can always like what you do, but if you can choose and see what's in that career path, then by all means, go for it.
01:42:20.000If not, the one who makes the most money, I'll run with that for now.
01:42:50.000You said, um, live it how you want to live it, and what else?
01:42:53.000So again, I think logically, bro, I think what can make the most money, what is going to pay, what's also going to, um, I like to do, and then, for example, what can do for a long period of time to make money.
01:43:05.000I plan out in advance two to three years how much I'm going to make, and I plan for that to invest in real estate and different assets in that way.