Fresh & Fit - Guy Crashes Car Working Uber?! Money Monday Call In Show!

00:00:00.000 Thank you.

00:11:08.000 What's up, guys?

00:11:08.000 Welcome to the Fresh and Fit Podcast.

00:11:10.000 It's Money Monday, man.

00:11:10.000 We got a better version of Dave Ramsey's show.

00:11:12.000 Let's get it, Toy Ninjas! 0.89

00:11:13.000 Let's go.

00:12:04.000 What's up, guys?

00:12:04.000 Welcome to Fresh Air Podcast, man.

00:12:06.000 I'm here with Frank.

00:12:06.000 I love you, too, buddy.

00:12:08.000 I love you, too.

00:12:09.000 But yeah, guys, today we're going to be doing a call-in show.

00:12:11.000 As you guys know, it's Money Monday.

00:12:13.000 This is the nigga version of the Dave Ramsey show, so I hope you guys are going to enjoy it. 1.00

00:12:16.000 We'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.

00:12:21.000 Phone lines are open now.

00:12:22.000 Castle Club Zoom is open.

00:12:23.000 Link is out, if I'm not mistaken.

00:12:24.000 Thank you, Moe.

00:12:25.000 On a feed.

00:12:27.000 So yeah, and this is going to be kind of like a new series that we do.

00:12:29.000 I noticed you guys enjoy this.

00:12:31.000 Sorry, I apologize that we're starting a little bit later.

00:12:33.000 We actually wrapped up an interview that we did with Noble Gold right before this.

00:12:36.000 We're probably going to drop that interview sometime this week or next week, the latest.

00:12:40.000 We talked about the current gold market post-Trump presidency, excuse me, president election.

00:12:45.000 Buying silver and gold, 10% of your income while you need it, very important.

00:12:48.000 Yeah, so we talked all about precious metals, bricks, the world conflicts going on, how that affects things.

00:12:54.000 So it's definitely a good interview.

00:12:56.000 That'll probably be out here very soon for you guys.

00:12:58.000 But yeah, guys, phone lines are open.

00:13:00.000 515-605-9740.

00:13:04.000 Again, that number is 515-605-9740.

00:13:08.000 We'll put the number in the bottom middle so that you guys know exactly where to call in.

00:13:12.000 You guys know the deal.

00:13:13.000 Put the last four digits of your...

00:13:16.000 Put the last four digits of your phone number in the Super Chat, and you'll be able to cut the line.

00:13:21.000 So, if you're watching on YouTube, use FNFSuperChat.com.

00:13:24.000 If you guys are using Rumble, Rumble Rants It In, or FNFSuperChat.com.

00:13:28.000 Or, if you're on Castle Club, you can donate through Castle Club.

00:13:31.000 Or, if you're a Castle Club member and you're on the Zoom call, we're going to be going back and forth.

00:13:35.000 But 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.

00:13:41.000 And you can let Mo know in the Zoom call or whatever it may be.

00:13:44.000 But those are the different ways that you guys can get involved in the show depending on what platform you're on.

00:13:47.000 If you're on X, use FNFSuperChat.com.

00:13:49.000 But we're live on all the platforms right now.

00:13:51.000 Except for Twitch. 1.00

00:13:52.000 Fuck them. 1.00

00:13:53.000 But we are live on YouTube, Rumble, Castle Club, and X. And FNFSuperChat is the main way to donate. 1.00

00:14:00.000 But, like I said before, you can use Rumble Rants or Castle Club Chats as well.

00:14:04.000 Yes.

00:14:05.000 Cool.

00:14:06.000 All right, guys.

00:14:06.000 Also, sign up, guys, for Castle Club Free down below.

00:14:09.000 Join the newsletter.

00:14:10.000 And 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. 0.53

00:14:19.000 They go crazy with the memes and all this other shit.

00:14:21.000 So 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. 0.97

00:14:33.000 If you want to roast, enjoy the actual show and put whatever you want. 0.96

00:14:36.000 Yeah, y'all want to cook Moe and shit like that? 0.98

00:14:37.000 That's the best place to go to. 0.89

00:14:38.000 Y'all want to put your memes of a certain dude that used to be an artist back in the 40s? 0.99

00:14:41.000 You guys want to do that shit? 0.98

00:14:42.000 Do it on CastleClub.tv, man. 1.00

00:14:44.000 All right?

00:14:45.000 So anyway, what are we going to hit first here, guys?

00:14:48.000 We got Big Lou, 4-6-5-5.

00:14:51.000 Okay, so right into it.

00:14:52.000 Any other announcements that I missed?

00:14:54.000 Well, apparently we're back in the news cycle for, you know, those people.

00:15:00.000 Yeah, we're going viral right now.

00:15:01.000 Once again, it's like 2021 all over again, bro.

00:15:03.000 Or 2022 all over again.

00:15:05.000 Yeah, I didn't know how many black queens there were until recently. 1.00

00:15:07.000 Quite a few.

00:15:09.000 Shout out to black queens, man. 1.00

00:15:10.000 Yo. 0.96

00:15:11.000 Oh, God.

00:15:11.000 Addresses getting doxxed.

00:15:12.000 Dudes threatening to kill me.

00:15:13.000 Dude, you know what's funny? 0.80

00:15:16.000 Uh...

00:15:16.000 Like, Angie gets all these messages from these people or whatever.

00:15:18.000 She's used to it now.

00:15:19.000 She doesn't care.

00:15:20.000 But it's just interesting to me because, like, people message me.

00:15:24.000 I'm getting, like, random text messages from people saying, oh, I know where you live. 0.99

00:15:27.000 I'm going to come find your shit. 1.00

00:15:28.000 Hey, look at that shit. 1.00

00:15:29.000 I'm like, pull up. 1.00

00:15:31.000 All right.

00:15:31.000 And then just, like, go about my day.

00:15:33.000 Like, we're just so used to getting hate now at this point or people threatening our lives. 0.96

00:15:38.000 Isn't it fucking comical? 0.99

00:15:39.000 Because I've seen people get, like, 1% of the hate that we get and they have fucking meltdowns, bro. 0.99

00:15:44.000 Like, for us, it's just another day. 0.98

00:15:46.000 I think we've been through it so many times it's like, hey, you want to have at it?

00:15:50.000 Go ahead, brother.

00:15:50.000 How many times have we like gone internationally viral where we get an influx of hate?

00:15:57.000 I could think of like five or ten different times.

00:15:59.000 At least four times to five times at least.

00:16:02.000 Actually, no, six times because Punish Bad Behavior, that was one. 0.90

00:16:06.000 That was probably the first one.

00:16:07.000 Yep.

00:16:07.000 Punish Bad Behavior is when we first hit mainstream news.

00:16:09.000 Dating app.

00:16:11.000 Blacked. 1.00

00:16:11.000 Yep. 1.00

00:16:12.000 What else?

00:16:14.000 Oh.

00:16:15.000 We went viral in Australia for single moms.

00:16:18.000 Yeah, yeah.

00:16:19.000 What else?

00:16:20.000 Oh, the girl claiming she was pregnant. 0.98

00:16:23.000 Yep.

00:16:24.000 What's her name again? 1.00

00:16:25.000 The loser. 0.99

00:16:26.000 The OF304. The one claiming that she was... 0.99

00:16:29.000 Oh, the one that had bad breath. 1.00

00:16:32.000 When she went on A3 talking shit about us. 0.99

00:16:35.000 Oh, yeah, yeah, yeah, yeah. 0.99

00:16:37.000 Yep.

00:16:37.000 I forgot about her.

00:16:38.000 Yeah.

00:16:39.000 What else? 1.00

00:16:41.000 A lot of shit, bro. 1.00

00:16:42.000 Oh, Asian Doll? 1.00

00:16:43.000 Asian Doll.

00:16:44.000 Because we went viral for the whole black thing twice. 0.92

00:16:47.000 Yeah.

00:16:49.000 What else?

00:16:51.000 Obviously, the boxing match with Anus and Reach.

00:16:53.000 Yeah, yeah.

00:16:55.000 Miss China. 0.95

00:16:56.000 China.

00:16:57.000 What else?

00:16:58.000 Okay, that's at least like seven now.

00:17:00.000 Telling you, bro. 1.00

00:17:01.000 And now this shit. 1.00

00:17:02.000 Now this shit, eight? 1.00

00:17:03.000 Probably eight. 1.00

00:17:04.000 What else? 1.00

00:17:05.000 Goddamn. 0.99

00:17:05.000 Oh. 0.99

00:17:09.000 Back in the day, Miranda.

00:17:11.000 Miranda?

00:17:12.000 Academics, yeah.

00:17:12.000 Yep.

00:17:13.000 That was a funny story.

00:17:14.000 I'm trying to think.

00:17:14.000 That's nine?

00:17:15.000 Jubilee.

00:17:16.000 Jubilee?

00:17:17.000 Jubilee.

00:17:18.000 Oh, yeah.

00:17:19.000 Ten.

00:17:19.000 Yeah, most comments ever in Jubilee video.

00:17:21.000 Yeah, most comments ever on their video.

00:17:23.000 Holy, that's a lot!

00:17:24.000 I still think I got number one spot for most comments of people being mad.

00:17:28.000 There are more recent videos of like 20 verse 1 are doing really well, but...

00:17:33.000 Prior to that, I was like number one.

00:17:34.000 But I still think we got number one comments. 1.00

00:17:36.000 Bro, I kid you not, the most viral I've ever been was that Asian girl shit. 1.00

00:17:40.000 Bro, I have people that... 1.00

00:17:41.000 Oh.

00:17:44.000 Exodia?

00:17:45.000 Debating Destiny?

00:17:46.000 Yeah, yeah.

00:17:47.000 That too.

00:17:47.000 On Israel?

00:17:48.000 Before October 7th?

00:17:50.000 Yeah.

00:17:50.000 So that's at least 10.

00:17:51.000 Because we got a bunch of...

00:17:53.000 We got putting a bunch of hit pieces on media for that one.

00:17:56.000 Yeah.

00:17:57.000 What else?

00:17:59.000 That's pretty much it.

00:18:00.000 I mean, there's probably more, but that's like at least 10. 0.98

00:18:02.000 God damn, that's 10. 0.97

00:18:05.000 Hey, man, I'll tell you this, bro. 0.99

00:18:06.000 Most people...

00:18:07.000 So people on the chat are going to probably...

00:18:08.000 Real ninjas are going to know.

00:18:09.000 Oh, Tommy Sotomayor with the fight.

00:18:10.000 Oh, yeah, that too.

00:18:11.000 Oh, when the girl pulled out the blicky. 0.96

00:18:15.000 We're academics here.

00:18:16.000 Pull it to your crib.

00:18:17.000 The buff guys.

00:18:18.000 Oh, yeah.

00:18:19.000 Ayande and them.

00:18:20.000 Yep.

00:18:20.000 Shout out to Ayande.

00:18:21.000 We're cool with him.

00:18:22.000 Yeah, he's cool.

00:18:22.000 Yeah.

00:18:25.000 It's so many.

00:18:26.000 Shout out to Ayande.

00:18:27.000 Yeah, I will say this, though. 1.00

00:18:29.000 Damn. 0.99

00:18:29.000 That's like 1215 now? 0.99

00:18:31.000 Would have probably quit by now.

00:18:32.000 Or at least had a breakdown.

00:18:33.000 Oh, yeah.

00:18:34.000 Like, heavy.

00:18:35.000 Like, insanely heavy.

00:18:37.000 I'm trying to think. 0.99

00:18:38.000 And all the channels talking shit about us? 1.00

00:18:39.000 Yeah, they're constantly talking shit. 1.00

00:18:43.000 Damn. 1.00

00:18:44.000 Bro, we've survived a lot of shit, bro. 1.00

00:18:46.000 Thanks to the chat, man. 1.00

00:18:47.000 When I think about it.

00:18:48.000 Thanks to the supporters.

00:18:48.000 Oh, getting demonetized!

00:18:49.000 That was worldwide news.

00:18:51.000 Bro, his Business Insider did that article on that.

00:18:56.000 Yeah.

00:18:57.000 Yo, W Rumble, man.

00:18:58.000 Yo, Rumble has been saving creators' lives for the past years, and they don't get enough credit, man.

00:19:05.000 They'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.

00:19:13.000 Talk to Rumble, man.

00:19:13.000 Chris from Rumble, awesome CEO. Download the Rumble app.

00:19:17.000 What is that?

00:19:17.000 Like 15 things that literally have put us on mainstream media?

00:19:22.000 At least.

00:19:24.000 Bro.

00:19:26.000 New York Post did a hit piece on me saying I'm the new Andrew Tate.

00:19:28.000 Yeah.

00:19:29.000 That was earlier this year.

00:19:30.000 Yeah.

00:19:33.000 Bro.

00:19:33.000 It's a lot, man.

00:19:34.000 It's a lot.

00:19:36.000 I'll take this, bro.

00:19:37.000 It's been fun.

00:19:38.000 It's been a long time. 0.99

00:19:38.000 You know, and it's interesting because the niggas that talk the most shit about us, nobody writes on them. 0.99

00:19:47.000 Nobodies. 0.99

00:19:48.000 It's funny, because a lot of our biggest critics, the people that make hippies on us constantly and talk shit, etc. 0.99

00:19:55.000 Oh, I made all this money talking shit about Fresher Fit. 0.99

00:19:57.000 Nobody talks about you, though. 0.99

00:19:59.000 Nobody cares about you.

00:20:00.000 You have to watch us, we don't watch you.

00:20:02.000 Isn't that crazy?

00:20:03.000 You know it's a formula too.

00:20:04.000 We can actually do XYZ and trigger somebody and it blows up on purpose. 0.99

00:20:10.000 I'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. 0.99

00:20:20.000 Automatically. 0.99

00:20:21.000 I've seen people that have no following.

00:20:24.000 Their video, like, 100 views.

00:20:26.000 They make a video on us?

00:20:27.000 10,000, 50,000, 100,000 views.

00:20:30.000 Yeah.

00:20:32.000 Why do you think African-Americans do it so much? 1.00

00:20:34.000 Yep.

00:20:36.000 Yep.

00:20:37.000 But I'll tell you this.

00:20:38.000 No one's writing an article on them niggas. 1.00

00:20:40.000 Nah.

00:20:41.000 I'll tell you that. 1.00

00:20:42.000 Ain't nobody write an article on those fucking guys, bro. 0.99

00:20:45.000 To be fair, we put them on the map. 1.00

00:20:45.000 The Canada Tribune ain't even gonna write on you motherfuckers, bro. 1.00

00:20:48.000 Fuck out of here. 1.00

00:20:49.000 To be fair. 1.00

00:20:50.000 So, that's fucking funny, bro. 0.98

00:20:54.000 And we're shadow banned too. 0.98

00:20:55.000 And we're shadow banned.

00:20:56.000 Yeah.

00:20:57.000 Shadow banned, blackballed, demonetized.

00:20:58.000 Yeah, we're still more relevant than 99% of these streamers.

00:21:02.000 And it said that we're not blacks after being blackballed.

00:21:04.000 We are black, man.

00:21:05.000 Come on, man.

00:21:06.000 We're black. 0.56

00:21:06.000 So, whatever. 0.56

00:21:07.000 So, very, very interesting. 0.96

00:21:09.000 I know some people in the chat here are going to think of other arcs that we went through and shit like that and survived. 0.91

00:21:13.000 But bro, I'll tell y'all, man. 0.63

00:21:15.000 I don't think any other... 0.99

00:21:17.000 YouTuber would survive the bullshit that we've been through. 0.99

00:21:19.000 Also, guys, you can learn from our mistakes, man. 0.98

00:21:22.000 Like, you know, we're not perfect.

00:21:23.000 We make mistakes every now and then, and, you know, you can learn from it.

00:21:25.000 Good or bad, you still learn from it, so.

00:21:27.000 Alright, let's hit the first caller.

00:21:29.000 Alright.

00:21:31.000 I think that was the first guy in Council Club?

00:21:36.000 Yes.

00:21:37.000 What is it?

00:21:39.000 What's going on, brother?

00:21:41.000 4-6-5-5, you're up.

00:21:42.000 4-6-5-5, you're up.

00:21:45.000 Hey, what's up?

00:21:46.000 What's up?

00:21:46.000 You can hear me?

00:21:46.000 Yeah.

00:21:47.000 Hey, how you doing, man?

00:21:51.000 I've been Ninja watching for like the past year and a half, I think.

00:21:54.000 I'm that one model that I don't be liking the videos.

00:21:57.000 I just be forgetting.

00:21:59.000 You like the video this time?

00:22:02.000 I got a big-ass back payment.

00:22:04.000 Did you like the video this time?

00:22:06.000 No, I didn't.

00:22:09.000 Like the video.

00:22:10.000 Okay.

00:22:11.000 Guys, we got 1,200 Yacht Ninjas watching on YouTube and like another 1,600 or so on Rumble.

00:22:15.000 Guys, do me a favor.

00:22:16.000 Like the video.

00:22:16.000 We should be at 1,000 likes.

00:22:17.000 Let's hit 1,000 likes.

00:22:18.000 But go ahead, bro.

00:22:18.000 What's your question?

00:22:22.000 I got a big-ass back payment from the VA a couple months ago.

00:22:26.000 And without thinking about it, I put it all into crypto.

00:22:29.000 How much is it?

00:22:30.000 I just want to know.

00:22:31.000 How much is it?

00:22:32.000 I got like 40K. Where do you live?

00:22:36.000 It was 38,000.

00:22:38.000 No, where do you live?

00:22:40.000 I live in Tampa.

00:22:43.000 Yeah, you probably can't get a house out there for that.

00:22:46.000 You put all of it in crypto?

00:22:48.000 He's thinking about putting all of it in crypto.

00:22:49.000 I put all of it in crypto, yeah.

00:22:50.000 Oh no, he already did.

00:22:51.000 Oh, you already did?

00:22:54.000 Yeah, yeah.

00:22:55.000 How much did you put in?

00:22:56.000 Like, you put 38k, and then how much...

00:22:58.000 When did you do it?

00:22:59.000 Yeah, that's the key.

00:23:00.000 Did you do it before Trump got elected?

00:23:04.000 Oh, this was back in March, yeah.

00:23:07.000 Okay, so you're probably up then, significantly.

00:23:11.000 Not yet.

00:23:12.000 I mean, the coins that I put into aren't that high yet.

00:23:15.000 Like the Gala, Hex, Pulsex, they haven't really taken off like that.

00:23:20.000 Oh, who put it in alternate coins?

00:23:23.000 Bro, why'd you put it in altcoins? 0.99

00:23:24.000 Why'd you put that shit in either BTC or Ethereum? 1.00

00:23:28.000 You don't watch the show? 1.00

00:23:30.000 Because they're going to go crazy.

00:23:32.000 That's why I mean, they're going to make me way more money than Ethereum.

00:23:37.000 I'm in the, what's it called, with Charlie and...

00:23:40.000 You are in there?

00:23:40.000 Okay.

00:23:41.000 If Charlie and Miguel told you...

00:23:44.000 Told you to do it?

00:23:44.000 Okay.

00:23:45.000 Yeah, cool.

00:23:46.000 Okay.

00:23:46.000 Alright.

00:23:47.000 So, what's the question, bro?

00:23:50.000 I just wanted to know, so when all of this goes up...

00:23:53.000 But you're up right now, right?

00:23:54.000 Just before you get into this, you've probably made quite a bit of money, right?

00:24:00.000 Yeah, a couple thousand.

00:24:01.000 All right.

00:24:03.000 Go ahead.

00:24:03.000 What were you going to say?

00:24:06.000 I 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. 0.97

00:24:16.000 From what I've been hearing, you always preach on real estate. 0.97

00:24:19.000 So that's how you think that I should build my wealth?

00:24:22.000 I preach being diversified.

00:24:24.000 But my thing is, I like real estate.

00:24:27.000 I think it's the best asset class because it pays you money, gives you a tax benefit, and it typically almost always appreciates it.

00:24:36.000 It's the best hedge against inflation, I would argue.

00:24:39.000 And you could borrow against it.

00:24:41.000 So there's so many different benefits with real estate.

00:24:44.000 Do you have to get into real estate?

00:24:45.000 No.

00:24:46.000 Because obviously the barrier to entry is kind of high.

00:24:48.000 I'm not going to lie to you.

00:24:48.000 You need to get good credit.

00:24:50.000 You need to get a lender involved.

00:24:51.000 All these different things.

00:24:52.000 And if you don't have a lender involved, you've got to buy it cash, which is even more pretty taxing.

00:24:57.000 So I like real estate because it's the number one way to build wealth.

00:25:02.000 And it's created like 90% plus of millionaires is through real estate because of the appreciation and everything else.

00:25:09.000 But it's up to you what you want to do, bro.

00:25:10.000 You want to be a crypto bro, that's fine too.

00:25:12.000 I mean, the good thing is, bro, we do Money Monday, so you have multiple options you could invest into.

00:25:16.000 Gold and silver, you got real estate.

00:25:18.000 Gold and silver is huge.

00:25:19.000 You got ATM machines, Bitcoin machines.

00:25:22.000 Yep.

00:25:22.000 You got a lot of options, bro.

00:25:22.000 Everyone should be at least 10% in when it comes to precious metals, guys.

00:25:28.000 Yeah.

00:25:30.000 You got options, bro.

00:25:32.000 So, my cousin be telling me, he used to be a realtor.

00:25:37.000 And 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.

00:25:46.000 Yeah.

00:25:47.000 And he told me that.

00:25:49.000 All right, hold on, hold on, bro.

00:25:50.000 Hold on, hold on, hold on.

00:25:51.000 Okay.

00:25:52.000 So, because we got a lot of people on the line, so I'm just going to go through this quickly and answer this.

00:25:58.000 Do you control any real estate right now?

00:26:01.000 No, not at all.

00:26:03.000 Okay.

00:26:03.000 You said your cousin's a realtor, right?

00:26:08.000 Yes.

00:26:08.000 Most realtors don't have real estate.

00:26:10.000 Does your cousin actually control real estate as an investor?

00:26:15.000 He has two properties.

00:26:17.000 He has two?

00:26:18.000 And he owns them outright?

00:26:19.000 Yes.

00:26:20.000 So, 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.

00:26:29.000 Yes, off-market can absolutely give you good deals, whatever, but the point is that we gotta learn how to crawl before we sprint.

00:26:36.000 Because the thing with off-market, and I'm going to tell you why I'm telling you this.

00:26:39.000 Off-market deals are off-market for a reason.

00:26:40.000 Typically, 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.

00:26:50.000 Does that make sense?

00:26:52.000 I'll give you an example.

00:26:53.000 Let me give you an example.

00:26:55.000 Let'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?

00:27:06.000 So 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.

00:27:12.000 So 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. 0.81

00:27:28.000 But 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. 0.84

00:27:39.000 Does that make sense? 0.95

00:27:40.000 Yeah.

00:27:40.000 Off-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.

00:27:51.000 Does that make sense?

00:27:53.000 I got that for sure.

00:27:55.000 So for you, bro, just get your first house.

00:27:58.000 Do it with house hacking.

00:28:00.000 You know, try to get a house that's damn near turnkey.

00:28:02.000 I 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.

00:28:10.000 Pause. 0.97

00:28:11.000 Because 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. 0.97

00:28:20.000 That's a lot for a beginning investor to do. 1.00

00:28:22.000 Get a turnkey, FHA that bitch, and you'll be fine. 1.00

00:28:25.000 Put your 3.5% down. 1.00

00:28:27.000 Live in the same area, live in the house.

00:28:29.000 If you don't live in the same area, if you're not going to live in the house, at least get it as an investor.

00:28:34.000 Put that 20% down.

00:28:35.000 Be in the area so you can do it.

00:28:38.000 How do I say this?

00:28:39.000 You kind of get your training wheels and your feet wet in the best arena possible for real estate investing.

00:28:46.000 That all makes sense, man.

00:28:48.000 Thank you for the advice, man.

00:28:49.000 No problem, man.

00:28:50.000 That's what we're here for you guys to do, bro.

00:28:51.000 So 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.

00:29:00.000 Guys, please, your first house, you have two options. 0.97

00:29:04.000 Get it under FHA where you put 3.5% down and house act that bitch. 1.00

00:29:08.000 Or B, if you're going to buy it as an investor, put your 20% down.

00:29:12.000 But the thing that you should be doing as your first deal every single time is it needs to be a turnkey.

00:29:17.000 What is a turnkey?

00:29:18.000 A turnkey property, guys, is a property that you're coming in and it's pretty much good to go, ready to rent right then and there.

00:29:25.000 Maybe some painting, maybe some minor shit, maybe take carpets out. 0.67

00:29:29.000 Nothing too crazy. 0.98

00:29:31.000 Nothing major.

00:29:32.000 Right?

00:29:32.000 We're talking about fixes that you could probably do yourself or someone that is a handyman can do.

00:29:38.000 That's your first deal that you want to do.

00:29:40.000 Okay?

00:29:40.000 You 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.

00:29:53.000 Fuck that shit, bro. 1.00

00:29:54.000 That's all for sophisticated investors. 1.00

00:29:56.000 But no, man, we got a lot of people on the line, bro.

00:29:59.000 Oh, my bad.

00:30:00.000 Okay, ask the last one, because you're a cast club, so that's fine.

00:30:03.000 I'll give you one more.

00:30:05.000 I saw this little duplex when I was looking for houses.

00:30:09.000 I was thinking of doing, you know, the ramp one side out and then living the other side.

00:30:13.000 That's house hacking.

00:30:14.000 With the VA loan.

00:30:15.000 That's house hacking.

00:30:16.000 That's what we tell you guys to do all the time.

00:30:19.000 Yeah, but it had a septic problem with the septic system.

00:30:24.000 You said that I had to replace it for like 10K. Do you think that's something I should have done?

00:30:30.000 Well, if that's the only issue...

00:30:31.000 If that's the only issue when you have the extra money and you know someone that can do it, fine.

00:30:37.000 But normally, septic problems can be fairly costly.

00:30:43.000 I mean, that's not terrible.

00:30:43.000 That's about average.

00:30:44.000 Yeah.

00:30:45.000 10k.

00:30:45.000 If you've got the capital, do it.

00:30:47.000 But if you don't, then...

00:30:48.000 But you better... 0.99

00:30:49.000 Tell the fucking seller to take 10k off the asking price. 0.99

00:30:52.000 You could do that, too. 0.99

00:30:55.000 That's something I would negotiate for a lower contract price.

00:31:01.000 All right, bro.

00:31:01.000 Thank you.

00:31:02.000 All right, bro.

00:31:03.000 Cool.

00:31:03.000 That changed my life for real.

00:31:04.000 No worries, brother.

00:31:05.000 We got you, man.

00:31:06.000 Hey, hold on.

00:31:06.000 We changed your life?

00:31:07.000 You can like the video?

00:31:09.000 Bruh.

00:31:10.000 It's all good, man.

00:31:11.000 Hey, bro.

00:31:12.000 I'm sorry, bro.

00:31:12.000 I'll just be forgetting, bro.

00:31:14.000 It's all good.

00:31:15.000 You're good, man.

00:31:15.000 Ninja Watchers out here.

00:31:16.000 All right, who's up next?

00:31:19.000 This person donated $70 on Castle Club?

00:31:22.000 Mm-hmm.

00:31:24.000 What's up, brother?

00:31:26.000 7800, you are up.

00:31:28.000 7800.

00:31:31.000 Yo, what's up, guys?

00:31:32.000 What's up, man?

00:31:34.000 Yeah, we can hear you.

00:31:38.000 First of all, I'd love to thank you all for the content you guys did.

00:31:47.000 To be honest, I know it's Monday, Monday, but I've been trying to connect with you guys for a while.

00:31:53.000 And, uh, I'm from the Middle East, from the UAE, so...

00:31:57.000 Hey, 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. 0.91

00:32:05.000 But just ask your question, because your phone really sucks, no offense. 0.84

00:32:09.000 Oh, no, it's alright. 0.91

00:32:11.000 Um, it's not really a question, it's, um, I just wanna thank you guys, uh, you helped me out through my divorce.

00:32:19.000 It's been really, really tough.

00:32:21.000 I just wanted to thank you guys.

00:32:23.000 After God, I was really lost.

00:32:25.000 You guys helped me out a lot.

00:32:28.000 I don't think you guys realized you guys literally saved lives.

00:32:34.000 I think you were sent from God or something because you really did help me.

00:32:41.000 When you get married, you save a lot of money, like $150K for marriage.

00:32:48.000 It turns out the girl, whatever, the feminist or whatever, you get divorced and you just lost all your money.

00:32:56.000 That's messed up.

00:32:57.000 Watching your concepts really, really helped me just to...

00:33:01.000 because I'm on the right path and yeah, I just want to say that.

00:33:06.000 I'm sorry for taking up the time.

00:33:08.000 You 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.

00:33:15.000 No, I really appreciate that, man, and thank you for calling in and letting us know how we impacted your life.

00:33:20.000 Like 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.

00:33:27.000 So thank you so much for calling in and giving us that.

00:33:29.000 Guys 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.

00:33:37.000 So guys like you kind of remind us why we do what we do, bro.

00:33:41.000 So thank you so much.

00:33:41.000 And divorce is never easy, bro.

00:33:42.000 It never is, man.

00:33:43.000 Congrats to you for getting out of it.

00:33:45.000 Who's on the line next?

00:33:47.000 Thank you for calling in, brother.

00:33:48.000 One more thing.

00:33:51.000 People always criticize Fresh. 0.98

00:33:53.000 This is pretty stupid because you all know you are in business. 0.98

00:33:58.000 No one can do anything by its own. 1.00

00:34:00.000 It's always, you have a good team around you.

00:34:02.000 And I know Myron probably, you know, sometimes carries the podcast or whatever, but I don't think the podcast would exist without Chris.

00:34:09.000 Without, sorry, what Chris is about.

00:34:11.000 I love Chris, sorry.

00:34:13.000 But I don't think it would exist without Fresh.

00:34:16.000 No, it wouldn't.

00:34:16.000 That's absolutely true.

00:34:17.000 We would have been banned everywhere.

00:34:21.000 Sorry?

00:34:22.000 No, I said you're absolutely right.

00:34:23.000 If it wasn't for Fresh, we'd be banned everywhere.

00:34:27.000 Yeah, yeah.

00:34:28.000 No, but also, you know, like, yeah, one hand doesn't clap, man.

00:34:34.000 You need a team around you.

00:34:35.000 Anyone who starts a business knows that.

00:34:37.000 And I think the people who criticize Fresh haven't started a business because...

00:34:41.000 Man, you can't do anything alone.

00:34:44.000 You always need to have a team around you.

00:34:47.000 So, kudos to you guys.

00:34:48.000 I just don't want to take too long on the line because people are going to call in.

00:34:53.000 But yeah, I just want to say thank you.

00:34:54.000 And keep doing what you're doing, man.

00:34:56.000 Keep doing what you're doing, to be honest.

00:35:00.000 Thank you, bro.

00:35:01.000 Thank you, brother.

00:35:02.000 Okay, let's get to the next caller.

00:35:04.000 Guys, let's try to keep it on money questions because obviously it's Money Monday.

00:35:08.000 This is the Nigga Dave Ramsey show.

00:35:12.000 You know what this actually reminds me of, bro?

00:35:15.000 Tom Likas.

00:35:17.000 Back in the day, man, he would have people calling and like...

00:35:20.000 Dad, you saved my life! 0.99

00:35:21.000 And it's like, damn, did you really do that? 0.99

00:35:23.000 And it's another full story. 0.99

00:35:25.000 It'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.

00:35:37.000 I remember I was dating a single mom and I'm marrying her, bro, and I felt alone and depressed and by myself. 0.92

00:35:44.000 I was like, damn, what do I do here? 0.92

00:35:45.000 I Googled on YouTube, dating single mothers. 0.99

00:35:48.000 He came up.

00:35:50.000 SoloTV84 came up.

00:35:51.000 Ken Richards came up.

00:35:52.000 I watched your episodes, but Tom's video was like, to the point, I heard all this call and said, listen, my life is in shambles.

00:35:59.000 I feel alone.

00:36:00.000 I felt the same way. 0.99

00:36:00.000 I was like, damn! 0.99

00:36:01.000 What's going on? 0.99

00:36:02.000 And that right there changed my whole life path.

00:36:06.000 And if that wouldn't happen, I would not be here today.

00:36:08.000 So 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.

00:36:17.000 So either way, it's a good show. 0.53

00:36:19.000 All right.

00:36:20.000 Who's up next?

00:36:22.000 All right.

00:36:24.000 Alright, so we got a Cast Club member here.

00:36:27.000 Adam Russell on the line.

00:36:28.000 What up, Adam?

00:36:29.000 Thank you for cutting the line, my friend.

00:36:30.000 He paid a little bit and, you know, put his money where his mouth is.

00:36:32.000 What's up, Russell?

00:36:33.000 Hit us with your question.

00:36:34.000 Cool.

00:36:36.000 Yeah, unmute him right now.

00:36:38.000 Thanks to unmute.

00:36:39.000 Hello, you hear me?

00:36:40.000 Yeah, we got you, bro.

00:36:41.000 Yeah, how you been, guys?

00:36:43.000 Hey, I'm the guy same with the Uber, but I haven't figured it out yet.

00:36:47.000 I just got my rental car from this model.

00:36:50.000 You know, you know what I'm talking about.

00:36:52.000 Oh, are you a BMW guy?

00:36:53.000 It was a BMW Mercedes guy?

00:36:54.000 You got crashed, right?

00:36:55.000 Yeah, yeah, yeah, the BMW. Hey, I will let you know whenever the case is over with the gab because I called gab and I called these...

00:37:05.000 Great juice.

00:37:06.000 Okay, so what is your...

00:37:08.000 You know what I mean, right?

00:37:08.000 Okay, because I remember explicitly that Fresh told you you need to figure out what your payoff price was.

00:37:12.000 Do you know it?

00:37:13.000 I remember this.

00:37:13.000 Yeah, I already talked with him, too.

00:37:15.000 I just got a two-question, Myron.

00:37:17.000 Wait, you talked with Fresh already?

00:37:18.000 I mean, not two-question, really.

00:37:19.000 Hold on.

00:37:19.000 Whoa, whoa, whoa.

00:37:20.000 Whoa, whoa, whoa.

00:37:22.000 Okay.

00:37:23.000 I don't think you talked with Fresh.

00:37:24.000 Now that you...

00:37:25.000 Because that was your homework.

00:37:26.000 What is the payoff price now?

00:37:27.000 Oh, it's...

00:37:30.000 They haven't...

00:37:30.000 They haven't did...

00:37:31.000 They say...

00:37:33.000 They just, they haven't settled it yet.

00:37:36.000 I couldn't figure it out.

00:37:37.000 I try to get something from them.

00:37:39.000 No, bro.

00:37:40.000 You're supposed to call the dealership you got the car from.

00:37:43.000 Listen, it takes maybe a day or 30 minutes, depending on the company.

00:37:47.000 It's not that hard to get that payoff amount.

00:37:49.000 Yeah, yeah, yeah.

00:37:50.000 Right now, the insurers try to take the car, and the loaner, they took the car.

00:37:58.000 And the other issue is when they get involved.

00:38:00.000 It's messed up.

00:38:01.000 That's what I'm telling you.

00:38:02.000 Brother, what are you doing with my brother?

00:38:04.000 You know what?

00:38:05.000 Ask him a question, bro.

00:38:06.000 Just ask him a question.

00:38:07.000 I think you're lost.

00:38:09.000 No, no, hold on.

00:38:10.000 No, no, no, no.

00:38:10.000 Hold on.

00:38:11.000 Stop the show.

00:38:12.000 Bro, 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.

00:38:20.000 I remember your story.

00:38:22.000 You got in a car accident.

00:38:23.000 You were doing Uber.

00:38:24.000 You had a passenger in your car. 0.99

00:38:26.000 The 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. 0.98

00:38:40.000 Yeah. 0.94

00:38:40.000 So I literally remember step by step what Fresh told you. 0.94

00:38:43.000 Because this is obviously a memorable situation. 0.82

00:38:46.000 How the fuck do you not know what the payoff amount is yet? 0.97

00:38:48.000 That was the first thing Fresh told you to do. 0.99

00:38:51.000 Yes, yes sir.

00:38:52.000 I know what you're saying.

00:38:53.000 Because I exactly went there.

00:38:54.000 I told them.

00:38:56.000 Each one of them, they gave me a reason.

00:38:58.000 That's why I told you.

00:38:59.000 I will call you later to let you know what's going to happen.

00:39:03.000 They're calling now, brother.

00:39:03.000 Or what happened.

00:39:04.000 Because right now, the insurance, the dealer, they'll be like, okay.

00:39:09.000 Nigga, this was a week ago. 1.00

00:39:11.000 You had seven days.

00:39:12.000 Yeah, that's what I'm saying.

00:39:13.000 They've been playing, man.

00:39:15.000 Brother.

00:39:16.000 I called the lien holder today.

00:39:21.000 I was like, bro, what's going on?

00:39:23.000 I need to do this.

00:39:24.000 I need to do that.

00:39:25.000 How much I owe you?

00:39:26.000 They was like, oh, we cannot do that.

00:39:29.000 We have to do another whatever.

00:39:31.000 And they said, call your lawyer or call your progressive.

00:39:36.000 Call this.

00:39:37.000 Each one of them, they threw me on someone.

00:39:39.000 So...

00:39:41.000 It's hard to deal with it, man.

00:39:42.000 These guys are trained.

00:39:44.000 Well, did you buy a car from a buyer?

00:39:46.000 Or is it a real dealership?

00:39:47.000 I bought it from DriveTime.

00:39:49.000 I bought it from DriveTime.

00:39:51.000 It's a corporate company.

00:39:52.000 They should be giving you that ASAP. Yeah, man, it's so hard to deal with them, man.

00:39:58.000 They 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...

00:40:06.000 Okay, look, bro, take it away.

00:40:08.000 So keep this very simple, bro.

00:40:10.000 If you can't get that from the actual dealership, something's wrong.

00:40:13.000 However, 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.

00:40:30.000 That's how you can know what the value of the car is in real time.

00:40:33.000 But 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.

00:40:42.000 Anyway, then the gap insurance. 0.98

00:40:44.000 Did you forget that shit out? 0.99

00:40:45.000 Did they give you yes or no on gap insurance or no? 1.00

00:40:49.000 I talked with the Gab.

00:40:50.000 They 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.

00:41:00.000 And they told me, look, whenever everything's done, call us when everything's done.

00:41:05.000 Good.

00:41:05.000 So it's in effect.

00:41:06.000 So they're going to cover your difference, right?

00:41:08.000 So they're going to reimburse it after.

00:41:10.000 The problem now, they're progressive for Uber.

00:41:14.000 They're fighting with my company for the lead.

00:41:16.000 And they were like, oh, you give me the car.

00:41:18.000 Oh, where is the car?

00:41:19.000 And they called me, hey, where is the car?

00:41:21.000 And now I figured out the car is in a coupon. 0.99

00:41:24.000 I was like, damn, you guys calling me for that? 0.99

00:41:26.000 Yeah, it's crazy, man. 0.99

00:41:28.000 That's why I try to hit you with a different question.

00:41:30.000 It's too much, man.

00:41:31.000 But I'm going to let you know what happened.

00:41:33.000 Just for the audience and for everybody, for the Cuts Club family, man.

00:41:37.000 The Cuts where?

00:41:38.000 The Cuts at the Coupart.

00:41:42.000 Cooport?

00:41:42.000 Carport?

00:41:43.000 Yeah, Cooport. 0.99

00:41:44.000 It's an app.

00:41:45.000 Whenever the car gets hit, they send it there to sell it on auction.

00:41:49.000 So 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.

00:41:56.000 Either way.

00:41:57.000 But listen, bro.

00:41:58.000 Keep it very simple, bro.

00:42:00.000 The payoff should either be in your email.

00:42:03.000 You know what, bro?

00:42:04.000 If you go back to your first email...

00:42:05.000 You want to hear his two questions that he had?

00:42:07.000 Yeah, but let's get this real quick.

00:42:09.000 The payoff should...

00:42:10.000 The payoff...

00:42:11.000 The amount or the real amount should be in your email from the first thing you got in the car or in your app.

00:42:17.000 I think you can check that either way.

00:42:18.000 But nonetheless, bro, the gap is going to cover your car and the difference.

00:42:21.000 That's good.

00:42:23.000 So that's good.

00:42:25.000 But in any case, though, bro, you should know the payoff amount because you got to know if they're going to jip you or not.

00:42:29.000 Because you need to know what you owe them and the difference so they can cover that difference for you.

00:42:33.000 If you don't know that, then it's kind of up in the air.

00:42:35.000 But whatever.

00:42:36.000 That's my right question.

00:42:37.000 No, no.

00:42:37.000 Yes, sir.

00:42:37.000 Appreciate it.

00:42:38.000 Appreciate it, Frenchman.

00:42:39.000 You had a lot of value.

00:42:40.000 Thank you, Myron, too.

00:42:42.000 What was your question that you want to ask?

00:42:45.000 I heard you a lot.

00:42:47.000 You say, hey, listen, guys.

00:42:48.000 Listen, guys.

00:42:49.000 Listen to what's going on.

00:42:50.000 I don't understand what that means.

00:42:51.000 I kind of understand a little bit, but I don't understand.

00:42:54.000 Look, last time, last show when he kicked that hoe, he was like, okay, okay, guys. 1.00

00:42:59.000 I need you to listen.

00:43:00.000 There is something going on.

00:43:01.000 You guys listen.

00:43:02.000 When the hoes were talking to each other. 1.00

00:43:05.000 So, 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. 0.98

00:43:14.000 I couldn't understand.

00:43:15.000 Can you make, like, two episodes or one episode, whatever you want to call it, your own fresh translation?

00:43:20.000 Like, I love you when you say translation.

00:43:23.000 Whatever you want to call that episode, because sometimes I don't understand these hoes, man. 1.00

00:43:28.000 Like, how they do the narcissistic tactic or...

00:43:34.000 You said already, women are experts when they read the room. 1.00

00:43:37.000 And there was a lot of issues going on.

00:43:41.000 And then we saw what's going on.

00:43:43.000 Like, hey, you smell like onion.

00:43:45.000 Oh, you didn't look at me.

00:43:46.000 We saw all the drama.

00:43:47.000 We couldn't even know anything.

00:43:48.000 But they was knowing each other.

00:43:50.000 I don't know what I'm talking about.

00:43:52.000 All right.

00:43:52.000 If you know what I'm saying.

00:43:53.000 Yeah, I know.

00:43:54.000 Okay.

00:43:55.000 What's the second thing you wanted to ask?

00:43:57.000 That was it, right?

00:43:59.000 Yeah, the woman translation or whatever you want to call it. 1.00

00:44:02.000 That's it?

00:44:03.000 Womanese. 0.92

00:44:03.000 Yes, sir. 0.92

00:44:04.000 That's it.

00:44:04.000 Okay.

00:44:05.000 I'm going to go through this.

00:44:06.000 Appreciate it.

00:44:06.000 Okay.

00:44:07.000 Let me do this real fast.

00:44:08.000 Okay.

00:44:10.000 Let's go from the top here.

00:44:12.000 As you guys know, we had a Fresher Fit After Hour show last Friday, right?

00:44:17.000 We had the show at an unnormal hour.

00:44:19.000 And the reason for that was because there was a boxing match between Jake Paul and Mike Tyson.

00:44:25.000 The fight didn't end until damn near 1 o'clock in the morning or so.

00:44:28.000 So we ended up doing the stream a lot later than usual.

00:44:30.000 The girls, however, had been here since about 10 p.m. 0.99

00:44:34.000 Some girls started showing up around 9, 10 p.m.-ish. 0.94

00:44:37.000 All the girls got here somewhere around 12. 0.99

00:44:40.000 Why do I say that?

00:44:40.000 Because the girls had spent a significant amount of time with each other in the back room waiting for the show to start.

00:44:46.000 I had ordered them food, they were hanging out, they were socializing, etc.

00:44:51.000 And this is unlike most of the time where the girls come in, they're here for maybe an hour or so and then we're starting a show. 1.00

00:44:58.000 So in this situation, they kind of like sat next to each other and kind of let their social...

00:45:02.000 Differences permeate for bits, okay?

00:45:04.000 Now, 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.

00:45:28.000 They're able to read the room better than us.

00:45:30.000 They're able to pick up on little nuances.

00:45:31.000 They can pick up animosity.

00:45:32.000 They can pick up resentment.

00:45:33.000 They can pick up jealousy.

00:45:34.000 So, that is what went down.

00:45:36.000 Now, what do we tell you guys all the time on this podcast?

00:45:38.000 Women are very good at concealing... 1.00

00:45:42.000 You know, the truth from each other. 0.86

00:45:44.000 They lie, right?

00:45:45.000 They lie a lot. 1.00

00:45:46.000 Oh, you look great, all this other shit. 0.99

00:45:48.000 But 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. 0.98

00:45:55.000 What do I mean by this?

00:45:56.000 One of the girls apparently smelled bad. 1.00

00:45:58.000 It wasn't until they got in a full-on argument That the girl brought it up.

00:46:01.000 Hey, you smell like onions, etc.

00:46:03.000 You're singing randomly.

00:46:04.000 This was really weird, disturbing behavior, blah, blah, blah.

00:46:06.000 But she never mentioned any of that when they were in the back over there.

00:46:09.000 And it wasn't until they came to a heads that she finally admitted this stuff.

00:46:12.000 And the little nuances that they picked up on, if you guys watched that episode back, it's a fantastic representation of female psychology.

00:46:18.000 How, oh, you didn't say this to me or you said this to me in a certain way.

00:46:22.000 It goes to what I always tell you guys on this podcast.

00:46:24.000 Women don't necessarily care about what it's said. 1.00

00:46:26.000 They care about how it's said.

00:46:28.000 And the...

00:46:30.000 What you guys saw on the panel from the ladies arguing with each other or bickering, etc.

00:46:34.000 was a perfect culmination and representation of how women battle in the cerebral when dealing with each other versus in the physical like men do.

00:46:42.000 That's what you guys were able to effectively see on the podcast last Friday.

00:46:46.000 I really do want you guys to go back and watch it.

00:46:48.000 And 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.

00:47:00.000 Cool.

00:47:00.000 Does that make sense now?

00:47:02.000 Yes, sir.

00:47:03.000 Appreciate it, man.

00:47:04.000 Thank you so much.

00:47:05.000 All right.

00:47:05.000 I hope you do an episode on Women's Translation, too.

00:47:08.000 Like, you explain everything about these hoes, man. 1.00

00:47:11.000 All right.

00:47:11.000 Cool.

00:47:11.000 I appreciate that, bro.

00:47:12.000 Let's get to the next person.

00:47:13.000 Thank you.

00:47:13.000 Shout out to you, bro.

00:47:14.000 Thank you so much.

00:47:15.000 Have a good one.

00:47:16.000 Appreciate it.

00:47:16.000 Do it with the car, man.

00:47:17.000 Come on, man.

00:47:18.000 Yes, sir.

00:47:19.000 Give me what's in the chat if that made sense for you, ninjas.

00:47:21.000 Yeah.

00:47:22.000 That was a tough day.

00:47:25.000 It was definitely a chat.

00:47:26.000 Yeah.

00:47:27.000 Funny, though, but tough.

00:47:28.000 What's up next?

00:47:33.000 Again, guys, for you guys that are just joining in, there's three ways to get involved in the show.

00:47:37.000 Call to the show, guys.

00:47:38.000 505-605-9740.

00:47:39.000 Again, that number is 515-605-9740.

00:47:43.000 Call to the show.

00:47:44.000 If you want to skip the line, all you have to do is either donate on FNFSuperChat.com with the last four digits of your number.

00:47:51.000 Donate with a Rumble rant on Rumble.

00:47:53.000 Donate with FNFSuperChat.com if you're on X or on YouTube.

00:47:57.000 Well, no matter what platform you're on, you can get involved with the show, FNFSuperChat.com.

00:48:00.000 If 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.

00:48:08.000 Yep.

00:48:08.000 So, go ahead.

00:48:10.000 What do we got here?

00:48:11.000 What's up next?

00:48:12.000 Mr.

00:48:12.000 Cardoza?

00:48:12.000 Go ahead, bro.

00:48:13.000 Guys, let's keep it focused on money.

00:48:22.000 It's Money Monday.

00:48:23.000 Go ahead, Cardozo.

00:48:24.000 What's your question?

00:48:24.000 Can you guys hear me okay?

00:48:25.000 Yes.

00:48:26.000 Yeah, we got you.

00:48:27.000 Hey, awesome.

00:48:28.000 Quick question.

00:48:30.000 I'm sorry I have a stuttering problem, like fresh too.

00:48:34.000 So yeah, so I have a house.

00:48:36.000 I just got a house not too long ago, but I got it with...

00:48:40.000 With a rural development loan.

00:48:42.000 I was just wondering if there could be an issue if I bring in an Airbnb guest here and there to make some money.

00:48:54.000 Could there be a potential problem with the bank or things like that?

00:48:58.000 Where do you live?

00:49:00.000 The house is in Kansas.

00:49:03.000 So, okay, you bought this house.

00:49:05.000 How'd you buy it?

00:49:06.000 You said you used a rural land loan, which I've never heard of that.

00:49:09.000 Me either.

00:49:10.000 A rural development loan.

00:49:13.000 Okay, was the house already built?

00:49:15.000 Or did you build it?

00:49:16.000 Yeah.

00:49:17.000 Yeah, it's already built, but there's a type of...

00:49:21.000 There's an FHA type of loan, and then there's the Rural Development Loan.

00:49:26.000 Did it give you money to renovate the property to as well?

00:49:29.000 Or do you get a funding for that, or no?

00:49:30.000 How does that work?

00:49:31.000 No.

00:49:32.000 No.

00:49:32.000 Okay.

00:49:32.000 How much money did you put down?

00:49:36.000 Not a lot.

00:49:37.000 Only like...

00:49:39.000 3%.

00:49:40.000 But then I put a lot of that money down into the loan.

00:49:44.000 So yeah, I didn't have to put a lot of money down.

00:49:48.000 Okay.

00:49:48.000 What was the purchase price?

00:49:49.000 How much money did you put down?

00:49:54.000 I didn't really put a lot of money down because I put a lot of the...

00:49:58.000 Bro, I'm not asking.

00:50:01.000 I'm asking how much was the purchase price and how much did you put down?

00:50:03.000 Come on, man.

00:50:04.000 Just answer the question.

00:50:05.000 The purchase price was $122,000.

00:50:08.000 Okay.

00:50:10.000 And...

00:50:11.000 Yeah, no money down because...

00:50:15.000 So, wait, you put 3.5% down or you didn't put any money down?

00:50:19.000 I didn't put any money down.

00:50:22.000 I think you're changing the story all over the place.

00:50:24.000 Yo, bro, okay, hold on.

00:50:25.000 What's the question?

00:50:25.000 You want to do Airbnb in the property?

00:50:27.000 He wants to do Airbnb in the property.

00:50:28.000 But here's the thing, though.

00:50:29.000 You don't live in it, right?

00:50:30.000 I do.

00:50:31.000 I do.

00:50:32.000 So you want Airbnb rooms in it?

00:50:35.000 Yeah.

00:50:36.000 Yeah, just for a while.

00:50:37.000 Not for too long.

00:50:38.000 I was just wondering if you guys...

00:50:40.000 Are you sure?

00:50:41.000 Hold on.

00:50:42.000 Is there a detached structure at the property?

00:50:46.000 No.

00:50:47.000 What kind of house?

00:50:47.000 No, it's a three-bedroom house.

00:50:51.000 Two bathrooms.

00:50:52.000 I'm a single guy right now.

00:50:54.000 Dude, use Roomster, bro.

00:50:56.000 It's less invasive.

00:50:58.000 And the problem with Airbnb is that a lot of states, a lot of counties, they don't approve of it.

00:51:02.000 So 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.

00:51:11.000 But if you do Roomster, you're just renting out a room.

00:51:14.000 You think that's a safer alternative, right?

00:51:16.000 Yeah.

00:51:17.000 Roomster?

00:51:17.000 Yeah.

00:51:18.000 Never heard of that one.

00:51:18.000 You 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.

00:51:25.000 So it's more of a long-term tenant versus dealing with...

00:51:28.000 Because, bro, I'm concerned with you having an Airbnb and people revolving, coming in, random people in your crib, bro.

00:51:35.000 And for example, you don't give them what they want.

00:51:39.000 They can just make a complaint and then your property comes up and you get in trouble.

00:51:42.000 You may get fined.

00:51:43.000 You may either get an alert.

00:51:44.000 So a room store is more safe because it's more off-market and it's just like they're renting a room.

00:51:48.000 Boom.

00:51:49.000 Done.

00:51:49.000 Yeah.

00:51:50.000 So it gives the homeowner more power.

00:51:52.000 You won't be liable for whatever happens.

00:51:54.000 Like, for example, things break.

00:51:56.000 Oh, that wasn't me.

00:51:56.000 That was you.

00:51:57.000 You're the landlord.

00:51:58.000 I'm going to complain to Airbnb about you.

00:52:00.000 So they make it more streamlined, just doing Roomster.

00:52:03.000 Gotcha, gotcha.

00:52:04.000 Because they have less avenues to complain.

00:52:06.000 Yeah, 100%.

00:52:06.000 Gives you more power.

00:52:07.000 Okay, yeah, bro.

00:52:09.000 Take Fresh's advice on that one, bro.

00:52:10.000 Because, yeah, I would be very... 0.97

00:52:13.000 I mean, we had to fucking drag it out of you. 0.84

00:52:15.000 But I would be very apprehensive to have an Airbnb where I live in and I have random people coming in and out. 0.96

00:52:20.000 I'll tell you this.

00:52:20.000 My first ever home I lived in in Florida, bro, I got it on Craigslist.

00:52:25.000 I went on Craigslist.

00:52:26.000 It's on rooms to rent.

00:52:28.000 I found a listing in Pembroke Pines, a very nice area.

00:52:31.000 There's a family from Peru.

00:52:32.000 Shout out to them, by the way.

00:52:33.000 And my rent was like $500 a month.

00:52:36.000 I had a nice-ass room and a nice-ass development.

00:52:39.000 And I did it for almost a year and a half.

00:52:41.000 So it came up pretty well.

00:52:42.000 Rooms are pretty similar.

00:52:43.000 Alright, boom.

00:52:44.000 There you go, bro.

00:52:45.000 Alright.

00:52:46.000 Yeah, I was just trying to do an Airbnb because I thought I would be able to make a little more cash that way, you know?

00:52:52.000 Yeah, you can, but at the cost of more risk.

00:52:55.000 And then let's also keep in mind, you're going to be at the mercy of the vacation. 0.96

00:53:00.000 Bro, ain't nobody going to Kansas, nigga. 1.00

00:53:02.000 Like, come on, man. 0.61

00:53:04.000 No, trust me, there's people here.

00:53:07.000 Yeah, but enough where you're going to constantly have enough people coming in to actually generate the volume of money that you want?

00:53:14.000 Probably not.

00:53:15.000 You're probably better off being in a rural area like that.

00:53:17.000 Hell, you've got a rural loan.

00:53:18.000 You're probably better off getting a solidified...

00:53:23.000 Basically a roommate, essentially, that pays you consistently that you actually know and you can do credit checks on versus Airbnb people.

00:53:28.000 Also, Roomster and Craigslist, bro, you can actually negotiate cash.

00:53:32.000 You don't have to pay with credit.

00:53:34.000 No intermediary.

00:53:35.000 You can make your own terms.

00:53:37.000 Boom.

00:53:37.000 So there you go.

00:53:38.000 Okay, okay.

00:53:39.000 All right, bro.

00:53:39.000 That's what it is.

00:53:42.000 All right, man.

00:53:43.000 Thanks, guys.

00:53:43.000 No problem.

00:53:44.000 Hey, so let me get this...

00:53:46.000 Alright, let's put some ground rules here.

00:53:48.000 Guys, 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. 0.96

00:53:59.000 Like, 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? 0.97

00:54:13.000 This doesn't make sense.

00:54:14.000 So, you guys have to be fairly transparent.

00:54:16.000 You know, trust me.

00:54:17.000 Nobody knows who you guys are.

00:54:19.000 Nobody cares where you guys are at.

00:54:20.000 Like, ain't nobody gonna come find you niggas. 1.00

00:54:22.000 So, okay?

00:54:23.000 So, just be honest about stuff.

00:54:24.000 We're not gonna ask anything that's gonna put you in a precarious situation where you can actually be identified.

00:54:28.000 Alright?

00:54:28.000 We're not retards.

00:54:29.000 So, please just answer the questions, guys.

00:54:32.000 Yeah, man.

00:54:32.000 It ain't that hard, man.

00:54:34.000 Like, bro, I'm over here like, how much money you put down?

00:54:36.000 Oh, I put some down.

00:54:37.000 Yeah, I put like three and a half percent down.

00:54:39.000 Okay, cool.

00:54:39.000 Oh, no, I didn't put any money down.

00:54:42.000 Bro, what the fuck? 0.99

00:54:43.000 That loan type, I never heard about it before. 0.99

00:54:45.000 I thought it was the one that they give you funding for your renovations.

00:54:47.000 And 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. 0.65

00:54:55.000 You know what I mean?

00:54:56.000 Because they're giving you the house a lot of times with a lower down payment, assuming that you're going to live in it. 1.00

00:55:02.000 So you try to do some fuck shit like this, you can fuck up your loan. 1.00

00:55:05.000 Yeah, if they find out you're cooked, bro. 1.00

00:55:07.000 You are cooked. 1.00

00:55:08.000 That's why we're asking this shit. 1.00

00:55:09.000 But Airbnb and your shit is way more intrusive than having a roommate paying you a couple hundred dollars for a room. 1.00

00:55:15.000 Way more public. 1.00

00:55:16.000 You know what I'm saying?

00:55:16.000 Yeah.

00:55:17.000 So you open yourself up to way more liability. 1.00

00:55:19.000 Good suggestion, bro, with the roomster shit. 0.99

00:55:21.000 Who's up next? 0.99

00:55:23.000 Hey, man.

00:55:24.000 After living in my car for a little bit, that was way better than... 1.00

00:55:26.000 It was a lot of shit, man. 1.00

00:55:27.000 It was tough. 1.00

00:55:29.000 All right.

00:55:30.000 We have 0865.

00:55:33.000 You are up.

00:55:35.000 0865.

00:55:35.000 You are up.

00:55:38.000 What's up, man?

00:55:39.000 Yo, what's going on?

00:55:41.000 What's going on, man?

00:55:42.000 Hey, quick thing.

00:55:44.000 The last guy who called, he's talking about a USDA loan.

00:55:47.000 It's called a USDA loan.

00:55:48.000 If you got a property that sits on like 20 acres or plus, then, I mean, it's not that, and it's 100% financing.

00:55:55.000 And you have to live on a farm.

00:55:57.000 It's like a, you know, a homestead farm.

00:56:00.000 And he can't do that. 0.99

00:56:01.000 That's the reason why he's being, you know, deflected the shit. 1.00

00:56:05.000 There you go. 0.99

00:56:07.000 He can't do what you said?

00:56:08.000 So he's not allowed to do that, basically, because...

00:56:11.000 The Airbnb?

00:56:11.000 100% financing.

00:56:12.000 Well, yeah, that's what he...

00:56:13.000 Yeah, yeah.

00:56:15.000 He was trying to be slick.

00:56:17.000 Just called in to say, man, Myron, that show about that space you did on X, hilarious.

00:56:23.000 Oh.

00:56:24.000 Do more of that, man.

00:56:25.000 Do more of that, man.

00:56:26.000 We missed Unhinged Myron, bro.

00:56:29.000 Fresh.

00:56:29.000 Let him loose.

00:56:30.000 Let him cook. 1.00

00:56:31.000 I have to do that shit on X or Rumble Only, bro. 1.00

00:56:33.000 I can't do that shit on YouTube. 1.00

00:56:34.000 Unfortunately, my friend for business is not always the best. 1.00

00:56:37.000 Unfortunately.

00:56:37.000 Yeah, y'all get in spurts, man.

00:56:38.000 But I'm glad that you enjoyed it.

00:56:41.000 Yeah, I did.

00:56:42.000 I did, man. 0.99

00:56:42.000 And the thing is that a lot of people complain about you sucking up to white supremacists and all that. 0.99

00:56:46.000 If you did that, you'd be sucking up to the boys, man. 1.00

00:56:49.000 They don't understand it. 1.00

00:56:50.000 Yeah, they're idiots, bro. 1.00

00:56:52.000 So, alright. 1.00

00:56:53.000 Cool, man.

00:56:54.000 I appreciate you calling in.

00:56:55.000 Alright, man.

00:56:55.000 Thank you.

00:56:56.000 And clarifying what this guy didn't want to say.

00:56:58.000 So, okay.

00:57:00.000 Who's up next?

00:57:02.000 Alright guys, call on to the show.

00:57:04.000 5-5-605-9740.

00:57:05.000 Call in with your financial questions.

00:57:07.000 We'd be happy to give you guys our perspective.

00:57:09.000 We're not financial advisors, but we'd love to, you know, kind of give you guys a different perspective.

00:57:14.000 Obviously this isn't financial advice, it's just maybe some suggestions of what we would do if we were in your shoes.

00:57:18.000 Let me help you in certain ways.

00:57:20.000 Help you a little bit, you know what I'm saying?

00:57:21.000 Hopefully we can help.

00:57:22.000 You know?

00:57:23.000 We have many different expertises in the financial world, so we can help y'all out.

00:57:26.000 But this is not financial advice.

00:57:27.000 Yep.

00:57:27.000 This is bro advice.

00:57:28.000 Yeah.

00:57:29.000 For the bros.

00:57:29.000 Exactly.

00:57:30.000 It's big bro advice.

00:57:30.000 Not for the hoes.

00:57:33.000 Alright, who's up next?

00:57:35.000 8458, you're up.

00:57:36.000 8458, you are up.

00:57:38.000 And we got First Fit News coming up after this, guys.

00:57:42.000 Go ahead, man.

00:57:43.000 Yo, can you hear me?

00:57:44.000 What's up?

00:57:46.000 Yeah, man. 1.00

00:57:46.000 Oh, shit. 1.00

00:57:48.000 Yeah, man, I've watched you ever since you had Sneak along for the first time. 1.00

00:57:53.000 And, yeah, I'm 18.

00:57:55.000 I just graduated high school.

00:57:57.000 I decided not to go to college.

00:58:00.000 Because, 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.

00:58:08.000 So, right now, I'm working with my dad.

00:58:12.000 I'm working with my dad.

00:58:13.000 He doesn't, he's in handy, man.

00:58:16.000 And, but, he doesn't have a license.

00:58:18.000 He doesn't, like, reap all the rewards.

00:58:20.000 And right now, I feel kind of lost, because I don't know what to do.

00:58:24.000 Like, I don't know, because I've been grifting trade school for a bit, becoming a Christian.

00:58:29.000 But, like, I see, like, the life he lives, like, how hard the job is.

00:58:34.000 So I've been thinking of doing something online, like YouTube automation or something.

00:58:41.000 See, I just want to ask, like, do you have any advice for me on what I should do?

00:58:45.000 What does your father do?

00:58:46.000 Like, what's the trade?

00:58:49.000 He's a handyman.

00:58:51.000 We're in New York, so he does, like, everything.

00:58:53.000 Like, electricity, plumbing, key rock, construction, everything.

00:58:58.000 So, bro, I mean, okay, since you help your dad, which of those things do you like the most?

00:59:03.000 Do you prefer when you're helping him with the plumbing?

00:59:05.000 Do you prefer when you help him with electricity?

00:59:10.000 Boom.

00:59:11.000 Okay, my friend.

00:59:12.000 Now, you've identified something that you actually like doing, thanks to your father being a handyman in a bunch of different places.

00:59:17.000 Now, you can go ahead and start the process of becoming an electrician.

00:59:20.000 Go to a trade school.

00:59:21.000 Yeah, why don't you get certified yourself?

00:59:22.000 Get certified.

00:59:23.000 So you become the predominant one.

00:59:24.000 And then bring your father along to help you.

00:59:26.000 And now you're the boss. 0.99

00:59:28.000 Obviously, you might have to do it under the table or some shit, but you get the idea. 0.98

00:59:30.000 You're the captain now at that point. 0.71

00:59:32.000 Yeah, yeah, yeah.

00:59:34.000 Yeah, bro.

00:59:35.000 I think going to electrician school might be the move for you, bro.

00:59:42.000 And isn't it funding for that?

00:59:43.000 You can get funding.

00:59:44.000 Yeah.

00:59:45.000 Probably.

00:59:46.000 So, bro, at least you know what you want to do, bro.

00:59:47.000 Yeah.

00:59:48.000 Your dad actually blessed you by exposing you to many different trades, and now you can pick what you actually like.

00:59:52.000 That's the biggest step.

00:59:53.000 Know what you want to do.

00:59:54.000 So go thank your father for that.

00:59:58.000 All right, man.

00:59:58.000 Thank you.

00:59:59.000 Shout out to you for the space last night.

01:00:01.000 You were cooking.

01:00:02.000 Appreciate that, man.

01:00:03.000 We always try.

01:00:05.000 Thanks for calling into the show, bro.

01:00:09.000 All right.

01:00:09.000 Thanks.

01:00:10.000 No problem, brother.

01:00:12.000 That's good, man.

01:00:13.000 18 years old, obviously getting his feet wet with his father and figuring out what he likes.

01:00:17.000 That's a blessing, bro.

01:00:18.000 I'll tell you this, bro.

01:00:18.000 Most people don't know what they want to do until way later on.

01:00:21.000 Huge blessing.

01:00:22.000 What's my purpose?

01:00:23.000 There you go. 1.00

01:00:24.000 Huge fucking blessing. 1.00

01:00:25.000 Yeah. 0.99

01:00:26.000 Zoom?

01:00:27.000 All right.

01:00:28.000 We got a Zoom call on the line.

01:00:29.000 Go ahead, bro.

01:00:30.000 What's your question?

01:00:30.000 Hit us.

01:00:32.000 Baith. 0.89

01:00:36.000 Baith going once.

01:00:37.000 Hello?

01:00:38.000 Go ahead, bro.

01:00:39.000 What's up?

01:00:39.000 We got you.

01:00:40.000 Hey, guys.

01:00:41.000 Thank you again, as always.

01:00:44.000 My question is, it was more for Justin back there about...

01:00:49.000 He's not here, bro.

01:00:50.000 He's not here today.

01:00:51.000 But ask it, and if I know the answer, I can answer for you.

01:00:55.000 Go ahead.

01:00:56.000 It's probably, I'm assuming, something on digital marketing and sales.

01:00:58.000 Go ahead.

01:00:59.000 Yeah, 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.

01:01:11.000 Are you on Cows Club Premium?

01:01:13.000 Yes.

01:01:14.000 Yeah, he is.

01:01:14.000 Okay.

01:01:15.000 We got a call coming up.

01:01:16.000 You know what?

01:01:17.000 Since he's a premium guy, could we take care of him and get...

01:01:21.000 You just want to know what software Justin uses, right?

01:01:25.000 Well, just get connected with him and talk about network and ask him advice about it as well.

01:01:32.000 Okay, we got you on a premium.

01:01:35.000 Noble, can you make a note of that?

01:01:36.000 Yeah, we'll set something up with you.

01:01:37.000 Yeah, we got you, brother.

01:01:38.000 Guys, at Castle Club Premium, we take care of all niggas. 1.00

01:01:41.000 Pause.

01:01:41.000 Noble, take care of him, man.

01:01:42.000 Like that.

01:01:43.000 Especially for more detailed stuff, guys.

01:01:46.000 And 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.

01:01:52.000 Um...

01:01:53.000 He helps us with emails and running a lot of our stuff.

01:01:56.000 He's talking about Justin.

01:01:57.000 So if you guys are on Castle Club Premium, y'all get access to him.

01:02:00.000 He's obviously in our Zoom calls as well.

01:02:02.000 You can answer questions there too.

01:02:03.000 But he really gets into in-depth on stuff on Castle Club Premium. 0.97

01:02:07.000 And if you guys want really detailed shit, that's where you guys got to be. 0.96

01:02:10.000 It's only, what, $65 a month or some shit like that? 0.98

01:02:12.000 That's it.

01:02:12.000 65.

01:02:13.000 Cool for now.

01:02:14.000 And you guys get direct access to a lot of the guys on our team.

01:02:17.000 It might go up.

01:02:18.000 Charlie from Cultivate Crypto, you get access to KC, us, etc.

01:02:21.000 Rob. 0.99

01:02:21.000 And we have, once a week, we have calls that are focused on one topic only, where we really hammer that shit down. 0.99

01:02:28.000 How to make money, how to get dates, how to actually invest in coins, and what coins to get. 0.96

01:02:33.000 We got one on fitness coming up this week that I'm going to do that's only going to be fitness.

01:02:37.000 The classes are smaller, maybe 10 to 20 guys in there.

01:02:40.000 Ain't those crazy people...

01:02:41.000 Get massive value, because they come back every week saying I learned something new, I can apply today to my life.

01:02:46.000 So listen, guys, if you want to learn these different categories of life, we got you guys. 0.98

01:02:49.000 Because 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. 0.76

01:02:56.000 I pull it up and I run the numbers there. 0.79

01:02:58.000 Also, if you want to see my value, go on premium, you're going to see it. 0.99

01:03:01.000 Because I give y'all niggas this shit for free. 1.00

01:03:03.000 Yeah, and we can't go into detail on certain things. 0.99

01:03:05.000 I can't be honestly real here.

01:03:06.000 But Baith, since you're a premium guy, don't worry, we're going to give you access to Justin.

01:03:10.000 Alright?

01:03:12.000 Noble's already made a note of that for you, so we'll get you in touch with him, no problem.

01:03:16.000 Yeah, you want to be a millionaire?

01:03:17.000 This will start in two days, but you can get the process going as soon as possible.

01:03:21.000 Yeah. 0.98

01:03:22.000 And we're the only niggas dumb enough to give y'all our people. 0.99

01:03:25.000 That is true, actually. 0.99

01:03:25.000 We give y'all our accountant. 0.99

01:03:27.000 We give y'all our fucking marketing guy. 1.00

01:03:28.000 Like, probably niggas stupid enough to do that shit, but that's fine. 1.00

01:03:31.000 We love you guys. 1.00

01:03:32.000 I wish I had this coming up in America, bro. 0.98

01:03:34.000 I had to figure this shit out on my own. 0.98

01:03:36.000 Go to different events, go to meetings, meet this person, that person. 0.99

01:03:38.000 Y'all think Grant Cardone is ever going to give you his copywriter, nigga? 1.00

01:03:41.000 Fuck no. 1.00

01:03:42.000 Fuck no. 1.00

01:03:42.000 You think Alex Arbose is ever going to give y'all his guy that helps him behind the scenes? 1.00

01:03:46.000 Fuck no. 0.99

01:03:49.000 Not even. 1.00

01:03:50.000 You know what the biggest do?

01:03:51.000 They sit in the front and make it look like it's just them.

01:03:54.000 I'm pure upsells.

01:03:56.000 It works.

01:03:58.000 Thank you, bro, so much for calling in.

01:04:00.000 We got you, though.

01:04:01.000 We'll take care of you with Justin.

01:04:02.000 Pause.

01:04:03.000 Who's up next?

01:04:04.000 Ace.

01:04:05.000 Ace.

01:04:05.000 If he was here, I would have got you, but we'll put you in touch with him.

01:04:08.000 Ace, what's up?

01:04:10.000 Hey, what's up?

01:04:11.000 Can you guys hear me?

01:04:12.000 Yo, what's up?

01:04:14.000 Hey, question.

01:04:16.000 Do you guys have anyone in the B2B space, like in business to business, corporate space?

01:04:22.000 Say that again?

01:04:22.000 You're going to have what?

01:04:23.000 B2B. Okay.

01:04:24.000 Yeah.

01:04:25.000 Why?

01:04:27.000 Well, just trying to see, what's that person's name so I can see if I can connect with him or her?

01:04:33.000 Premium, bro.

01:04:35.000 Premium.

01:04:36.000 Got you.

01:04:37.000 And another question is a two-part question.

01:04:39.000 It'll be the last one.

01:04:40.000 Besides, like, sales, what other avenues would you guys recommend, specifically staying, like, in a white-collar space?

01:04:46.000 But hold on.

01:04:47.000 Well, to be more fair, if you want something like that, go to Alex Ramosi.

01:04:52.000 He's pretty good.

01:04:53.000 What is he asking?

01:04:54.000 Like, oh, B2B? Yeah, business.

01:04:56.000 All right.

01:04:57.000 I mean, dude, it depends on what skill set you have.

01:04:59.000 Like, do you have a degree?

01:05:00.000 What do you...

01:05:01.000 I'm currently going for my associates in business.

01:05:04.000 I work in B2B's retirement sales for small businesses.

01:05:08.000 So I was trying to just pick someone's knowledge that I've been working in the space for quite some time.

01:05:13.000 Well, that in particular is not...

01:05:16.000 I mean, generally, Alex covers a lot of business stuff.

01:05:18.000 He's one of the best that I know personally.

01:05:22.000 But yours is retirement.

01:05:23.000 You know what?

01:05:24.000 Hold on.

01:05:25.000 I'm trying to understand here.

01:05:26.000 So, what is your question?

01:05:27.000 You want to stay white collar, but do something else outside of sales.

01:05:31.000 Is that what you're basically asking right now?

01:05:33.000 Well, no.

01:05:33.000 That was my second question.

01:05:34.000 My first initial question was B2B. I've done B2B tech sales.

01:05:37.000 Right now, I'm in retirement, but I've done tech sales.

01:05:40.000 I've done real estate sales as well.

01:05:43.000 That's a Justin question.

01:05:45.000 So it's a vast industry and that's why I'm trying to see if you guys have anyone in that space.

01:05:53.000 Justin 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.

01:06:04.000 So we're the only influencers that he works with.

01:06:07.000 So that's definitely a question for Justin.

01:06:10.000 If you're a premium bro, he'll hook you up with that, no problem.

01:06:13.000 It's $65, man. 0.99

01:06:15.000 It's fucking cheap. 0.99

01:06:16.000 And then your second question is what? 0.99

01:06:18.000 I'm going to look into that.

01:06:19.000 Let's drop the link for him.

01:06:22.000 He's in the Zoom call, right? 0.60

01:06:25.000 For premium.

01:06:26.000 But that's a very niche place that you're in, bro.

01:06:28.000 So you need someone that's actually a mentor in that space.

01:06:31.000 Yeah.

01:06:31.000 What's your second question?

01:06:34.000 That's why I was asking if you guys had any other avenues besides, you know, sales in that white-collar space that you would recommend.

01:06:42.000 A lot of time, that's going to come with a skill set, bro.

01:06:44.000 Whether you want to be an accountant, you want to get into finance, you're probably going to need some type.

01:06:49.000 You want to be a lawyer.

01:06:52.000 You're going to need a degree a lot of times for these other jobs that are white-collar that are higher-earning.

01:06:59.000 Okay, that makes sense.

01:07:00.000 And the two names, you said Alex Friedman and who else?

01:07:03.000 Alex Hormosi.

01:07:05.000 Alex Hormosi and what was the other?

01:07:07.000 Justin Hu?

01:07:08.000 No, Justin's our guy.

01:07:10.000 To 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.

01:07:21.000 Okay, and I get access to him if I do premium.

01:07:23.000 That's premium, yep.

01:07:25.000 Yep.

01:07:25.000 Okay.

01:07:26.000 I appreciate it.

01:07:27.000 And I also want to say, I've been listening to you guys for about a year now.

01:07:30.000 I appreciate all the info you guys are putting out, Myron and Walter.

01:07:33.000 And I hope you guys have a good night, man.

01:07:34.000 Yeah.

01:07:35.000 If you join a premium now, Noble's actually here.

01:07:38.000 He'll look at you.

01:07:39.000 If you sign up right now, he'll get you in with Justin.

01:07:42.000 So just let us know if you're going to do it.

01:07:44.000 If you do it today, we'll get you in touch with Justin today.

01:07:47.000 All right?

01:07:48.000 No sweat.

01:07:48.000 Will do.

01:07:49.000 Appreciate it, gentlemen.

01:07:50.000 Thank you.

01:07:50.000 All right, man.

01:07:50.000 Cool.

01:07:52.000 Okay, who's up next?

01:07:54.000 On the phone line, 6828, you are up.

01:07:59.000 6828, you are up.

01:08:01.000 Go on, bro.

01:08:03.000 What's up, guys?

01:08:04.000 This is Joshua, Long Island, New York.

01:08:07.000 Thank you very much for having me.

01:08:08.000 I have a bit of a two-part question, obviously money-related.

01:08:14.000 One of them is personal and the other is business-wise.

01:08:17.000 So, on the personal side...

01:08:19.000 I'm very big on trying to have savings accounts that will be able to have high interest rates and such.

01:08:25.000 The one that I currently have is SoFi, and SoFi currently has a 4.5% APR.

01:08:34.000 And I was wondering what other savings accounts, in your opinion, is higher, or they would recommend to have money interest accruing.

01:08:47.000 How much do you have in your account right now, SoFi, roughly?

01:08:50.000 Six figures or...

01:08:53.000 Currently on SoFi I have about almost $20,000.

01:08:58.000 Okay.

01:08:59.000 Because Charles Schwab is like what?

01:09:02.000 Bank of America.

01:09:03.000 How much is that one?

01:09:07.000 Merrill Lynch.

01:09:07.000 Oh, sorry.

01:09:08.000 Merrill Lynch.

01:09:08.000 Yeah, but you need 100K. It's called preferred deposit.

01:09:12.000 But you need 100K to open an account there.

01:09:15.000 But you get...

01:09:15.000 Right now, I literally just checked it the other day.

01:09:18.000 It's like 4.27 interest in that account per year, annual, right now.

01:09:25.000 I don't know any lower ones under 100K. I think Justin had mentioned to me something like Charles Schwab has it.

01:09:33.000 We might have to lock the money in.

01:09:34.000 Yeah, you gotta lock it in.

01:09:35.000 Yeah, so the thing is, bro, with a lot of these money market accounts, it's one of two things.

01:09:40.000 It'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.

01:09:50.000 So you kind of got to pick one.

01:09:52.000 If you want to be able to pull money from it and keep liquid, fine, but you got to put a lot of money in.

01:09:57.000 If you want to be able to get a good interest rate, but you don't have the money, you got to lock it in for a few years.

01:10:02.000 So they always find a way to ensure that they get, you know, they say the house never lose.

01:10:07.000 That's what I mean.

01:10:08.000 So you kind of have to go off of based on where you are financially.

01:10:11.000 If you have less capital, you might have to go ahead and put that money into an account where it's locked for a few years.

01:10:17.000 Because it makes sense with 100k plus.

01:10:19.000 20k is not enough, bro.

01:10:20.000 Especially with inflation, too.

01:10:22.000 It's tough.

01:10:24.000 You might be better off putting that money into something else.

01:10:27.000 Yeah, to be honest.

01:10:31.000 Alright, so I'll just stick with what happened now until I get enough to get the account that you just mentioned.

01:10:37.000 Alright, the second part of the question is on the business-related.

01:10:42.000 I currently own a business of auto detailing, so I clean cars and I enjoy it.

01:10:47.000 And 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.

01:10:54.000 Well, I want to keep the money going, right?

01:10:56.000 And 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.

01:11:09.000 Basically, 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?

01:11:16.000 So I was doing a test run on...

01:11:20.000 My family members and I helped some of them get out like $20,000 worth of debt.

01:11:25.000 Nice.

01:11:25.000 Yeah, but okay.

01:11:26.000 Alright, so hold on, hold on, hold on. 1.00

01:11:29.000 I'm going to ask you exactly because I could already hear in my head like what Justin would say if you heard this shit. 0.99

01:11:34.000 Okay, that's cool. 0.95

01:11:35.000 You 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?

01:11:42.000 That'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.

01:11:55.000 But just wanted to get your input on it.

01:11:58.000 So, okay.

01:12:00.000 You have two options here.

01:12:01.000 Obviously, you've got your car-dealing-tailing business.

01:12:03.000 How do you market that?

01:12:07.000 Currently through Google Ads and Facebook Ads.

01:12:11.000 So you're running ads to it, right?

01:12:13.000 That's fair.

01:12:14.000 Correct.

01:12:15.000 Okay.

01:12:16.000 So you already kind of had the picture.

01:12:18.000 So for everybody out there, right?

01:12:19.000 If you guys don't have like a big platform and people don't know who you are, there's no way around it.

01:12:23.000 You're going to have to run ads so people know about your business and your services, right?

01:12:27.000 So...

01:12:30.000 So you have two options.

01:12:31.000 You 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.

01:12:43.000 Or 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.

01:12:48.000 But if you start this new business with budgeting, etc., people know you for the car detailing.

01:12:53.000 So 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?

01:13:13.000 Yeah, 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.

01:13:37.000 There'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.

01:13:47.000 We'd have to get on social media to do that.

01:13:49.000 Yeah, but you have to be more vocal and be on social media yourself, Instagram, TikTok, and YouTube.

01:13:55.000 You can do that as well.

01:13:56.000 But again, that's more of a hustle and more of an actual job.

01:14:01.000 So that is a whole other avenue of making money.

01:14:03.000 But the beauty with that is you don't have to run ads as much.

01:14:08.000 So you could do that as well.

01:14:11.000 Cool?

01:14:12.000 Alright, thanks a lot.

01:14:12.000 I appreciate it.

01:14:13.000 Alright, brothers.

01:14:14.000 Yeah, so some things to think about, man.

01:14:16.000 Alright, who's up next?

01:14:21.000 We have...

01:14:24.000 5-6-0-5-9-7-4-0, guys.

01:14:26.000 The number to call into the show.

01:14:28.000 Because honestly, bro, if I was him, I would just hit up my clients.

01:14:31.000 I'd wash their cars.

01:14:32.000 Hey, are you in debt?

01:14:33.000 I can help you.

01:14:34.000 You could do that, too.

01:14:35.000 But then again, if the season goes out of season, then he has to...

01:14:38.000 It can be snowing.

01:14:41.000 2098, you are up.

01:14:44.000 2098, you are up.

01:14:48.000 Hello?

01:14:49.000 Yo, what's up, caller?

01:14:52.000 Yeah.

01:14:52.000 Can you hear me, guys?

01:14:53.000 Yep.

01:14:55.000 Yeah.

01:14:56.000 So, I have a question regarding my dad's financial situation.

01:15:00.000 So, me and my brothers, we take care of my dad.

01:15:03.000 My dad is 87 years old, and he has a financial situation.

01:15:12.000 Like he has a big debt of credit card loans, about like 80K.

01:15:22.000 So we take care of him.

01:15:25.000 So he started receiving letters in mail, threatening jail time.

01:15:31.000 Should he file for bankruptcy?

01:15:34.000 I'm not sure how this works.

01:15:36.000 Wait, for not paying his debt, they won't put him in jail?

01:15:38.000 Yes.

01:15:41.000 Yeah.

01:15:41.000 Did he take, like, federal loans or something?

01:15:43.000 Whoa.

01:15:44.000 I'm not sure because he needs to have his own business.

01:15:49.000 And also that he has a medical issue.

01:15:52.000 Like, he has dementia.

01:15:54.000 He's experiencing dementia.

01:15:56.000 So I'm not sure what exactly he's going through.

01:15:59.000 And it's like, we take care of him.

01:16:00.000 We check the mails for him, all that.

01:16:03.000 And he's like, he has a baby.

01:16:04.000 Okay, how old is he?

01:16:05.000 You said he's in his 80s.

01:16:07.000 Realistically speaking, how much more time do you think?

01:16:09.000 What?

01:16:11.000 What is it, I'm sorry?

01:16:12.000 He's 87.

01:16:13.000 No, like, realistically speaking, how much longer do you think that he has to live?

01:16:16.000 Like, from the doctor?

01:16:17.000 Yo, play the music, uh...

01:16:19.000 Uh, no...

01:16:21.000 Play the music.

01:16:22.000 So, uh...

01:16:23.000 He's in a good condition.

01:16:27.000 Listen, bro.

01:16:28.000 I'm not going with you.

01:16:29.000 He's doing good.

01:16:30.000 This is, uh...

01:16:31.000 Like, just a dimension.

01:16:33.000 This is your...

01:16:34.000 This is not your conventional show about money.

01:16:36.000 I will say this.

01:16:37.000 Nigganomics. 1.00

01:16:38.000 He gonna die soon, right? 0.81

01:16:41.000 Listen, I'm not saying this for this to happen.

01:16:43.000 I'm just saying, if you were to go to jail, bro, I mean, it's a lot of money, bro.

01:16:47.000 80 kids are a lot of money.

01:16:49.000 So, you gonna pay it back?

01:16:50.000 Yeah.

01:16:53.000 I'm not sure, but I mean, this is what I'm asking.

01:16:55.000 I don't think so.

01:16:55.000 So, you got two options from me.

01:17:00.000 This is Nickonomics, bro. 0.98

01:17:01.000 This is thinking with no brain. 0.98

01:17:05.000 You fall back, Rupsy. 0.98

01:17:07.000 I just call it a day. 1.00

01:17:08.000 I send that nigga to jail. 1.00

01:17:10.000 And that's it. 1.00

01:17:11.000 Because, nigga, that's 80 kids all that money, bro. 1.00

01:17:12.000 You gonna pay that shit back? 1.00

01:17:14.000 Well, the debt won't go to him. 1.00

01:17:16.000 I know, but it's his dad.

01:17:17.000 He wants to help him out.

01:17:17.000 Yeah, I know.

01:17:18.000 I get it.

01:17:19.000 Yeah, so that's what I'm asking, bro.

01:17:21.000 How much more time do you think he has?

01:17:22.000 Like, what did the doctor say?

01:17:24.000 I'm gonna put him on life insurance.

01:17:27.000 Like, he's doing good.

01:17:29.000 Like, he's healthy.

01:17:30.000 It's fine.

01:17:31.000 But, I mean, just the dementia, I think.

01:17:32.000 Dementia?

01:17:34.000 I 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.

01:17:44.000 If you guys take care of him, let him file for bankruptcy, bro.

01:17:47.000 Might as well.

01:17:48.000 It's not your...

01:17:49.000 Got it.

01:17:49.000 Honestly, it's not your credit, so...

01:17:51.000 Yeah, 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.

01:17:57.000 Y'all take care of him.

01:17:58.000 So since you guys take care of him, let him file for bankruptcy so he can get this debt off his back.

01:18:02.000 He lived a full life, man. 0.93

01:18:03.000 That nigga old man. 1.00

01:18:04.000 Let him rest in peace, bro. 0.99

01:18:05.000 Yeah, let him enjoy the last of his years, man.

01:18:06.000 File bankruptcy and you guys got him.

01:18:08.000 Yeah.

01:18:10.000 Got it.

01:18:10.000 Lean on me.

01:18:12.000 I'm not sure, like, how this works, like, the bankruptcy, like...

01:18:15.000 Basically, he's gonna fuck his credit up for, like, seven years.

01:18:18.000 So 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. 0.98

01:18:25.000 If 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. 0.84

01:18:30.000 For like seven or eight years.

01:18:32.000 He won't be able to get a loan.

01:18:33.000 He's going to have to report it to any job that he wants to get.

01:18:36.000 But he's probably retired towards the latter part of his life.

01:18:39.000 So him filing for bankruptcy at 87 isn't really like a killer like it would be for someone that's in the middle of their life, bro.

01:18:48.000 And you guys support him financially already and take care of him, so it doesn't matter.

01:18:51.000 So I would say let him just file the bankruptcy and get this debt off his back.

01:18:53.000 Does he have any savings at all?

01:18:57.000 Probably not.

01:18:57.000 I don't think so.

01:18:58.000 He just, he receives like, uh, like social security benefits monthly.

01:19:03.000 Okay.

01:19:04.000 Yeah, bro.

01:19:05.000 This is what you do.

01:19:06.000 Let him fall for bankruptcy.

01:19:07.000 You take care of him.

01:19:07.000 That's your father, bro.

01:19:08.000 He brought you into this world.

01:19:09.000 So now it's time for you to pay it back.

01:19:11.000 He took care of you. 1.00

01:19:12.000 Wiped your ass when you were a baby. 1.00

01:19:13.000 Now it's time to pay it back and let him enjoy the rest of his life. 1.00

01:19:15.000 I know he's suffering through some dementia.

01:19:17.000 So let's make sure that the last few years of his life are great and that he can remember it.

01:19:21.000 So let him do the bankruptcy. 0.99

01:19:23.000 Get that shit out, out the way, and then you take care of him and let him kind of ride into the sunset. 0.99

01:19:27.000 Listen, I was joking earlier about the, you know, going to jail thing, but to be fair, bro, life insurance is the way to go. 1.00

01:19:33.000 He ain't going to get it, bro.

01:19:34.000 There's no way he's going to get life insurance, bro.

01:19:36.000 87 years old, no one will take that on.

01:19:38.000 Hey, you never know, bro.

01:19:39.000 There's a backdoor salesman over there that says, hey, brother, you want some insurance?

01:19:42.000 I got you.

01:19:42.000 Yeah, nah, man.

01:19:43.000 Just let him declare the bankruptcy, bro.

01:19:45.000 get the debt off his back, and y'all take care of him.

01:19:47.000 Yes, sir.

01:19:50.000 And also, like, one quick question.

01:19:52.000 So, Chuy, how do you fire that? 1.00

01:19:54.000 Do you reach out to a lawyer?

01:19:56.000 How do you work for that?

01:19:57.000 There's bankruptcy lawyers out there.

01:20:00.000 Yeah, there's bankruptcy lawyers.

01:20:01.000 Do a consultation with a few and figure out what your guys' options are.

01:20:04.000 But yeah, nothing too crazy.

01:20:08.000 Go to federal court, get it done.

01:20:10.000 Got it.

01:20:12.000 But 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.

01:20:20.000 There is that possibility.

01:20:21.000 But, 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.

01:20:29.000 Or the creditors don't, excuse me.

01:20:30.000 All right.

01:20:31.000 That's what you pay the lawyer for, to negotiate these types of things.

01:20:34.000 No problem, man.

01:20:35.000 All right, bro.

01:20:35.000 Take it easy, man.

01:20:36.000 Thank you so much.

01:20:37.000 Appreciate it.

01:20:37.000 Thanks a lot.

01:20:38.000 All right, man.

01:20:39.000 Bro, going to jail for not paying dad is crazy, bro.

01:20:41.000 Yeah, but that's where he's got to take care of his dad.

01:20:44.000 Yeah.

01:20:44.000 This is why you have children, for stuff like this.

01:20:46.000 Yeah.

01:20:46.000 You know what I mean?

01:20:47.000 Who's up next?

01:20:49.000 8402, you are up.

01:20:51.000 8402, you are up.

01:20:52.000 Hey, man, y'all are just talking, bro.

01:20:54.000 My dad wasn't there for me, so.

01:20:57.000 Niggas cooked. 1.00

01:20:58.000 Hey, what's up, bro?

01:20:59.000 Hey, guys.

01:21:01.000 Myron Fresh.

01:21:02.000 I'm the caller that called, like, was super chatting a lot during Neil's TPT episode.

01:21:08.000 I told you guys I opened an Amex gold card for business for my watch.

01:21:13.000 Oh, yeah, yeah, yeah.

01:21:14.000 You're the watch middle man, yep.

01:21:16.000 Yeah, yeah, yeah.

01:21:17.000 And I just opened a business unlimited with Chase as well, 900 bonus that they're giving me, you know, 10K limits.

01:21:25.000 But I just wanted to know, what is the...

01:21:28.000 Because you guys never delved into this.

01:21:29.000 How do I get high credit limits?

01:21:31.000 Like, you know, as my business builds?

01:21:33.000 Because I want to get that.

01:21:35.000 I know you guys always did episodes on how to open credit cards.

01:21:39.000 So this is how it goes.

01:21:40.000 This is how it goes.

01:21:41.000 You said you got Amex cards, right?

01:21:44.000 Yeah.

01:21:44.000 So the Amex cards you got, what do you got?

01:21:46.000 You said you got a gold, right?

01:21:47.000 Gold, yeah.

01:21:49.000 Gold has no limit, bro.

01:21:50.000 It's a charge card.

01:21:53.000 Mm-hmm.

01:21:56.000 So, gold, platinum, etc., they're charge cards, which basically means you've got to pay it off within 30 days.

01:22:01.000 I 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.

01:22:11.000 The negative is you've got to pay it back within 30 days, if not deal with higher interest rates.

01:22:14.000 There's spending power on those cards.

01:22:16.000 I was going to say next.

01:22:17.000 They'll cut you off.

01:22:18.000 They do, depending on what it is.

01:22:19.000 But 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.

01:22:27.000 Fine.

01:22:27.000 You 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.

01:22:39.000 And 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.

01:22:44.000 So if you're spending a certain amount consistently every month, then you don't need to check the spending power.

01:22:48.000 But 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.

01:22:55.000 But yeah, bro, just use your Amex cards if credit limits are a thing for you.

01:22:58.000 And 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.

01:23:05.000 So use a credit card for six months to a year.

01:23:08.000 You've been making your payments well.

01:23:10.000 You're not carrying a high balance.

01:23:11.000 Your utilization's good, etc.

01:23:12.000 You're making more money.

01:23:13.000 You 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.

01:23:23.000 But those are the ways to deal with it.

01:23:24.000 Cool?

01:23:26.000 Okay.

01:23:27.000 Yeah, that's pretty much why.

01:23:28.000 I just wanted interest-free, you know, interest-free and not being under the pressure to sell.

01:23:34.000 Because sometimes, you know, you buy a product, you think you can sell it quick.

01:23:38.000 Here's the thing, bro.

01:23:41.000 I'm going to be very blunt about this.

01:23:43.000 This whole interest-free thing, 0% APR intro, that's a temporary thing.

01:23:48.000 Yeah.

01:23:48.000 That's always somewhere between 6 to 18 months just as a promo for opening a lot of these cards.

01:23:53.000 So don't get used to it and don't bank on it, right?

01:23:56.000 Obviously, we give it to you guys as a tool and a way to kind of strategize getting yourself out of debt.

01:24:00.000 I 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.

01:24:07.000 But I don't want y'all becoming reliant upon that.

01:24:10.000 So...

01:24:12.000 The 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.

01:24:23.000 Does that make sense?

01:24:24.000 Try to stay away from that.

01:24:27.000 I got you.

01:24:28.000 Alright, thank you so much, man.

01:24:29.000 I appreciate it.

01:24:31.000 Alright, brother.

01:24:32.000 Peace.

01:24:32.000 Alright.

01:24:33.000 Yeah, because that ends up becoming like a crux for people.

01:24:36.000 Yeah.

01:24:37.000 You have like 10, 5 cards.

01:24:39.000 Yeah, you know what I'm saying?

01:24:40.000 And then, yeah.

01:24:41.000 It's one thing you transfer it to one card, then you transfer it to another after that and after that.

01:24:45.000 It's tough.

01:24:47.000 What's up next?

01:24:49.000 8903, you're up.

01:24:50.000 8903, go ahead.

01:24:52.000 Yo, yo, Myron Fresh, can you not hear me?

01:24:55.000 Yep, we got you, bro.

01:24:56.000 Yeah.

01:24:57.000 All right, brothers.

01:24:58.000 First and foremost, I just want to thank you guys for all the work on the free game that you guys did about.

01:25:03.000 My name is TC. I'm from Springfield, Massachusetts.

01:25:05.000 Shout out to you, Myron.

01:25:06.000 You grew up in Down the Street for me.

01:25:08.000 The situation that I'm in currently, I work two jobs about 90 hours a week.

01:25:12.000 I've been aggressively paying off debt.

01:25:14.000 It wasn't anything super crazy.

01:25:16.000 I had credit card debt.

01:25:18.000 It was only like a $2,500 card.

01:25:19.000 I paid that off recently.

01:25:20.000 I have a car payment.

01:25:22.000 That's getting paid off.

01:25:23.000 I have $1,800 left on that.

01:25:25.000 And then I have college loans.

01:25:26.000 I dropped out from college. 0.99

01:25:28.000 There's a lot of shit behind that. 0.98

01:25:29.000 But anyways, it's like $11,000. 0.99

01:25:31.000 But like I said, I'm working 90 hours a week.

01:25:33.000 I'm gradually getting off debt.

01:25:35.000 I know my income to, like, expenses to the dollar.

01:25:40.000 So, like, I'm making anywhere between $6,000 to $8,000 a month.

01:25:43.000 And my expenses are, like, $3,000 and less.

01:25:46.000 So, my question to you guys, first and foremost, and recently I just applied for a credit card.

01:25:51.000 It's a secure card because I guess I had credit.

01:25:55.000 Sorry, I'm all over the place.

01:25:56.000 Credit score is 693 right now.

01:26:00.000 This card that I just recently applied for is a Discover card.

01:26:03.000 $200 secured limit on it, but that's because, like I just said, all of my loans that I've been paying off, I just emptied out my savings.

01:26:11.000 I put $2,500 to Bitcoin recently.

01:26:13.000 Shout out Donald Trump.

01:26:15.000 And then the rest of that, I've just been aggressively paying off the loans.

01:26:17.000 I just emptied out my savings for like eight days.

01:26:19.000 What do you guys suggest my next step is?

01:26:22.000 Because I do want to get into how tight did you guys talk about.

01:26:25.000 Yeah, what do you guys suggest next?

01:26:27.000 Okay.

01:26:28.000 I'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.

01:26:34.000 You know exactly how much money you're making per month, how much money is going out.

01:26:37.000 So if I'm not mistaken, you said you make somewhere between $6,000 to $8,000 a month.

01:26:39.000 You're spending about $3,000.

01:26:41.000 So you're pocketing roughly half of that, which is great.

01:26:45.000 You put some money into Bitcoin.

01:26:46.000 You're paying off your debt.

01:26:47.000 You said you're $11,000 in student debt.

01:26:49.000 How much of credit card debt are you?

01:26:50.000 $1,800?

01:26:51.000 No, that's what's left on your vehicle, right?

01:26:52.000 No, no, I paid that off.

01:26:54.000 I literally just paid that off.

01:26:55.000 Okay, and then you said you only have $1,800 left on your car?

01:27:02.000 $1,800 left on my car, but I'm literally trying to pay that off before the year ends so I can literally start getting at the...

01:27:08.000 I'm trying to pay at least $2,000 to $3,000 for the college loan debt as soon as the year starts.

01:27:14.000 Well, hold on, hold on, hold on.

01:27:15.000 The college debt...

01:27:16.000 What kind of college loan do you have?

01:27:21.000 I'm not even sure, to be honest.

01:27:23.000 I don't know the difference between each.

01:27:25.000 I paid off one, but I think that was something like light.

01:27:27.000 I think for housing or something like that.

01:27:31.000 Okay.

01:27:32.000 Do you know the interest rate?

01:27:34.000 I do not.

01:27:35.000 I do have to contact them soon because I think they're taking out like a hundred a month.

01:27:43.000 Were they private loans or federal loans?

01:27:45.000 Were they private or federal loans?

01:27:46.000 I think private.

01:27:47.000 Okay, 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.

01:27:56.000 And then you have only $1,800 on your car, which is fantastic.

01:27:59.000 So 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.

01:28:04.000 So, okay.

01:28:07.000 You said that, and then you said you kind of want to get into investing and everything else like that.

01:28:11.000 I 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.

01:28:19.000 You said you're around 693, so you're right there.

01:28:21.000 I'll tell you this. 0.81

01:28:22.000 Because you won't be able to get into the real estate game with a shitty credit score.

01:28:26.000 Like a 690 is going to hold you back in a lot of situations.

01:28:28.000 Hold on.

01:28:28.000 Once you pay that car off, bro, it'll shoot up probably like 720 plus.

01:28:31.000 Once you pay that car off, 100%, bro.

01:28:33.000 That's all you need to do right now.

01:28:34.000 Pay it off, it'll shoot right up.

01:28:35.000 Perfect.

01:28:37.000 Perfect.

01:28:37.000 One more thing.

01:28:38.000 Well, not one more thing.

01:28:40.000 So I'm not planning.

01:28:41.000 I'm in a blessed situation right now.

01:28:43.000 I'm living with my parents, or my mom, rather. 0.96

01:28:46.000 Rent is like $200 a month, but that's not shit.

01:28:48.000 So I'm able to kind of pocket a lot of that money. 0.85

01:28:50.000 I'm not really looking to get right into it, Myron.

01:28:52.000 I know everything.

01:28:53.000 Like we talk about instant gratification.

01:28:55.000 We don't want that.

01:28:56.000 We want the longevity.

01:28:57.000 So I'm knowing that I'm going to have to spend at least another year or two in our house.

01:29:00.000 So, by the time I get that year, I know I'm going to be in the space of at least 7 to 17.

01:29:05.000 You know what I'm saying?

01:29:06.000 So, like, I'm not trying to get right into it, but I'm asking, like, should I just keep grinding?

01:29:10.000 Also, one more thing.

01:29:12.000 Just kind of a little congratulation to myself.

01:29:14.000 I've been trying to get into the federal job, so I applied to be a firefighter recently.

01:29:18.000 Today, I just passed the physical portion of the exam with 100.

01:29:21.000 I'm waiting for my results for the written exam.

01:29:23.000 Once 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.

01:29:30.000 So, but what I'm asking you guys is, what is the, like, should I just keep doing what I'm doing?

01:29:34.000 Is there a variation that you want me to add into it?

01:29:36.000 How old are you, bro?

01:29:38.000 How old are you?

01:29:39.000 I'm 26 years old, brother.

01:29:41.000 Alright, bro.

01:29:42.000 Just, you know what?

01:29:43.000 Stay with your mom.

01:29:44.000 Save more money.

01:29:46.000 You know what I mean?

01:29:47.000 I wouldn't move out the house until you got your student loan debt done.

01:29:51.000 The car's going to be knocked out this month probably before the end of the year.

01:29:54.000 So I will say ride out with your mom until either A, you got that college loan debt gone, or B, you become a firefighter.

01:30:01.000 And hell, even if you become a firefighter, I will say stay with your mom until you're making $100,000 per year.

01:30:05.000 Facts, bro.

01:30:06.000 Use it.

01:30:06.000 Use it to your advantage, bro.

01:30:08.000 But you're in a good position.

01:30:10.000 And Fresh is right.

01:30:11.000 Once you pay off your car note, your credit score is going to shoot up.

01:30:14.000 So you'll be in a good position.

01:30:16.000 And once it shoots up, you'll be able to take advantage of better cards.

01:30:19.000 But bro, keep doing what you're doing.

01:30:21.000 You're in a good position.

01:30:21.000 Stay living with your mom.

01:30:23.000 Pay off that student loan debt.

01:30:25.000 Pay off that car.

01:30:25.000 Knock it out.

01:30:26.000 Get your credit score up.

01:30:27.000 And then continue the process of being a firefighter.

01:30:29.000 If you do get on as a firefighter, stay with your mom until you're making $100,000 per year.

01:30:33.000 Or you pay your student loan debt off. 0.99

01:30:35.000 Then we can talk about you potentially moving out and shit. 0.99

01:30:37.000 But you're in a good position, bro. 0.99

01:30:39.000 Keep doing what you're doing.

01:30:39.000 Yep.

01:30:40.000 Alright?

01:30:41.000 Yes, sir.

01:30:41.000 Two more things before I end it off.

01:30:43.000 So, one.

01:30:44.000 Bro, bro, bro, bro, bro, bro.

01:30:46.000 We gotta move on, bro. 0.58

01:30:46.000 Nigga, we got a lot of people. 0.58

01:30:51.000 All right.

01:30:54.000 7195, you're up.

01:30:55.000 Also, whenever you pay a car off, it will dip a little bit at the beginning, but it's just right up after that.

01:31:01.000 Yeah.

01:31:01.000 Yeah, yeah, yeah, bro.

01:31:02.000 We love you and everything, man, but, bro, we got a lot of beware. 0.89

01:31:04.000 Nigga trying to beat the system, man. 1.00

01:31:05.000 Come on, bro.

01:31:07.000 7195, you're up.

01:31:10.000 Was he from Castle Club, that guy?

01:31:11.000 Yeah.

01:31:12.000 Yeah.

01:31:13.000 He was Castle Club guy?

01:31:14.000 Yes.

01:31:14.000 Alright, you call back in, bro, if we got time.

01:31:17.000 We don't.

01:31:18.000 But we got a lot of people.

01:31:19.000 We don't.

01:31:19.000 Go ahead, bro.

01:31:21.000 Hit us with your question.

01:31:23.000 You got any?

01:31:24.000 Yeah.

01:31:26.000 Alright, I'm in Minnesota.

01:31:29.000 I just had a quick question for you guys.

01:31:30.000 I won't take too much time.

01:31:32.000 How do you guys balance your pursuit of belief or pursuit of faith with your pursuit of wealth?

01:31:42.000 Pursuit of safe?

01:31:46.000 Yeah, so a little background.

01:31:47.000 I'm a Orthodox Christian.

01:31:49.000 Oh, faith.

01:31:50.000 He said faith.

01:31:51.000 Oh, faith.

01:31:52.000 Faith.

01:31:52.000 Bro, we're not really religious.

01:31:53.000 Me and Fresh, we've been pretty open about that.

01:31:55.000 We're not religious at all.

01:31:57.000 We should be, but we're not.

01:31:58.000 Yeah.

01:31:58.000 To be honest.

01:31:59.000 Being transparent here.

01:32:00.000 Yeah.

01:32:01.000 Okay.

01:32:02.000 I guess that's more of a question towards Fresh.

01:32:06.000 I know you've been kind of battling into the Christian world as well.

01:32:11.000 Bro.

01:32:12.000 How have you been doing it?

01:32:15.000 I'm not bad at anything.

01:32:17.000 I'm actually very secular, but I should be more faith-driven.

01:32:22.000 I think for me, more of it is more like, I've been raised in a church, I know what I should be doing.

01:32:27.000 Bro, you don't have a money question?

01:32:31.000 Well, no, let's tie into it because faith and success, he wants to put it together, see how we balance it.

01:32:36.000 But what I will say is success is what I more work towards, for example, getting deals, moving towards getting connections, networking.

01:32:45.000 And it came at a price of being places that I didn't want to be sometimes.

01:32:49.000 Sometimes 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.

01:32:56.000 Almost like you're a chameleon.

01:32:57.000 You have to change your current setup to maneuver in that environment.

01:33:02.000 And then once I got what I needed, I just came back to doing me.

01:33:05.000 So I would say for me balancing it, I didn't really balance because I didn't have to.

01:33:10.000 But for you, you...

01:33:13.000 I would say if you're going to follow the religion and follow faith itself, you should do it all the way. 0.69

01:33:18.000 Don't just pick and choose what you want to do like what most people do.

01:33:21.000 Like 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.

01:33:28.000 No, that's not how it works.

01:33:30.000 The Bible is how it is.

01:33:31.000 The Quran is how it is.

01:33:32.000 Read it for what it is.

01:33:33.000 But 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.

01:33:46.000 Yeah, but I put success 100% as a priority.

01:33:51.000 And thank God I'm still here, but, you know, I should be putting God more in the front, you know?

01:34:02.000 Gotcha.

01:34:03.000 Yeah.

01:34:07.000 Alright, any more questions for that?

01:34:12.000 No, that's it.

01:34:13.000 I appreciate you, man.

01:34:13.000 You guys have a good night.

01:34:15.000 Alright, bro.

01:34:17.000 Cool.

01:34:18.000 All right, who's next?

01:34:19.000 Shark.

01:34:27.000 Sharp.

01:34:29.000 What up, Sharp?

01:34:34.000 Yeah, but what I will say is, though, I am moved in the spirit to give out to God fully because I got a lot of reminders from you guys.

01:34:41.000 And my mom's too, so.

01:34:44.000 It's important, man.

01:34:46.000 Especially nowadays.

01:34:47.000 Could be in the last days.

01:34:47.000 Who knows?

01:34:48.000 Sharp from the Zoom meeting...

01:34:55.000 What up, Sharp?

01:34:58.000 Let's start from No Jumper.

01:35:02.000 Hey, man!

01:35:03.000 She's a hoe! 1.00

01:35:05.000 Shut the short, man. 0.93

01:35:06.000 Aaron Angus.

01:35:11.000 Hey.

01:35:12.000 Good afternoon.

01:35:13.000 Good night.

01:35:15.000 What's up, bro?

01:35:16.000 What's up, man?

01:35:17.000 Hey, what's going on, guys?

01:35:20.000 So, two questions, actually, really.

01:35:23.000 First question is, I was wondering when you guys were going to have KT Hustle back on.

01:35:29.000 I kind of asked for him last time.

01:35:31.000 I haven't seen him.

01:35:32.000 On the podcast.

01:35:33.000 I don't know if you guys...

01:35:34.000 We've done like three episodes with him, bro.

01:35:36.000 Three.

01:35:37.000 Back to back.

01:35:38.000 How you not seeing that, brother?

01:35:40.000 I've seen the three.

01:35:42.000 I just want like a...

01:35:43.000 I guess a more updated version.

01:35:46.000 You know what?

01:35:47.000 If you guys want, we can do a Zoom call with him on Castle Club.

01:35:50.000 How about that?

01:35:52.000 Okay.

01:35:53.000 Um, the second question is, um, I'm currently, I'm still new to the DMV area, so I didn't know if you guys, I'm in Casa Club.

01:36:00.000 Yeah.

01:36:00.000 So, I didn't know if you guys do anybody in the DMV area.

01:36:04.000 I'm in IT. Currently go to a, um, HBCU. That's funny.

01:36:14.000 I'll tell you this, bro.

01:36:16.000 This is the beauty of Castle Club, right?

01:36:18.000 We have a Discord in there.

01:36:20.000 We have the actual Zoom calls.

01:36:23.000 Like we do on Wednesdays or, for example, Sundays.

01:36:26.000 And ask questions.

01:36:27.000 Hey, who's in the DMV area?

01:36:29.000 I do tech.

01:36:30.000 Let's meet up.

01:36:30.000 Let's link up.

01:36:31.000 And actually, in New York, this is very well.

01:36:33.000 Guys in New York that are in the Castle Club, they meet up, I think, once a week or once every other week.

01:36:38.000 And they do their activities and they do their thing.

01:36:41.000 So you can find your tribe in Castle Club.

01:36:43.000 Just got to ask questions.

01:36:44.000 Who's in the DMV area?

01:36:45.000 I'm sure someone in the chat can tell you right now that they're in the DMV. And you guys can link up.

01:36:51.000 All right.

01:36:54.000 But sometimes you have to leave your environment, bro, to network as well.

01:36:58.000 Just the way travel is something that's important because nowadays people don't want to leave their house or leave their environment.

01:37:02.000 They think, oh, this is it.

01:37:04.000 And 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?

01:37:09.000 So going for a vacation, not vacation, but like, you know, going to events, going to workshops around the States could help too as well.

01:37:16.000 Florida, New York, Vegas.

01:37:19.000 You can meet new people that are like-minded like yourself in that sense as well.

01:37:23.000 Cool.

01:37:34.000 Okay.

01:37:36.000 Alright, who's next?

01:37:38.000 Polo.

01:37:39.000 What up, Polo?

01:37:41.000 Yo, what's up?

01:37:42.000 Can y'all hear me?

01:37:43.000 Yeah, we got you. 1.00

01:37:45.000 Yo, shit. 1.00

01:37:46.000 I didn't think I was getting in. 1.00

01:37:48.000 But, um, okay, so, look, I'm 20 years old.

01:37:53.000 I, uh, I have two kids.

01:37:56.000 I want to get into real estate and I got about like 2.5 to 3k in debt.

01:38:04.000 I have an Apple card and a Discover card.

01:38:08.000 I just I want to know like what do you think should be my next steps?

01:38:13.000 I make about like I'd say like 2.4k a month.

01:38:22.000 I live in PA and So you're making $2,400 a month?

01:38:29.000 Yeah, I do landscaping.

01:38:31.000 Okay.

01:38:33.000 You have $4,000 in debt, you said?

01:38:36.000 $5,000?

01:38:37.000 Yeah, pretty much.

01:38:40.000 Because I do all my bills on my Discover card, so I pay that off pretty much instantly as soon as my bills hit and my paycheck hits.

01:38:50.000 But...

01:38:52.000 Then it's just my Apple card that...

01:38:54.000 I have an ATM through the ATM together.

01:38:57.000 Okay.

01:38:58.000 Okay, so I guess I'm pulling in about $170, $200 a month from that.

01:39:04.000 It's just one.

01:39:06.000 Um...

01:39:08.000 But, yeah, so I just, I don't know.

01:39:11.000 Yeah, bro, you need another job, bro.

01:39:14.000 Because, 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.

01:39:22.000 I would get a second job, bro, at least.

01:39:25.000 Okay, I was thinking about that.

01:39:27.000 Dude, you know simple, bro, and people kind of like underestimate it?

01:39:31.000 Uber, bro.

01:39:32.000 You get in your car.

01:39:33.000 Well, I don't know what car you have, but hopefully it's a car that's in the current years.

01:39:36.000 I think five years under the current year.

01:39:38.000 And you do Uber, bro.

01:39:39.000 Definitely not.

01:39:40.000 No?

01:39:40.000 Okay.

01:39:41.000 Okay.

01:39:41.000 Yeah, it gets me to and from work, but...

01:39:43.000 Maybe not Uber then.

01:39:45.000 I mean, I'm definitely...

01:39:46.000 No, I'm up for like...

01:39:49.000 Because 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. 0.73

01:40:06.000 So, here's what I would say for you, brother. 0.88

01:40:08.000 You got two options.

01:40:09.000 Either 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.

01:40:21.000 Or, you get a second job and use that money to pay off the debt.

01:40:26.000 Because, bro, at 28k, which is before tax...

01:40:29.000 No, no, no.

01:40:30.000 2.8k.

01:40:32.000 $2.8k a month?

01:40:35.000 Oh, yeah, yeah, yeah.

01:40:36.000 My bad.

01:40:36.000 Are you talking about how much I'm in debt or how much I make a month?

01:40:39.000 No, yearly.

01:40:41.000 Oh, okay, okay, okay.

01:40:42.000 So $28k before tax and you got to pay $5k plus in debt?

01:40:46.000 Yeah, bro.

01:40:46.000 You need a second job, bro, at least.

01:40:49.000 Okay.

01:40:50.000 And 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.

01:41:02.000 Is there any other types of loans that would be good?

01:41:07.000 Unless you're trying to do conventional, no.

01:41:09.000 I 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.

01:41:18.000 And actually own the property because, bro, otherwise, 20% down is what you got to put. 1.00

01:41:22.000 Oh, shit. 0.99

01:41:22.000 I will not even look at that as an option. 0.99

01:41:26.000 Okay.

01:41:27.000 If you raise your income, then sure.

01:41:29.000 But for now, nah.

01:41:30.000 That's not a viable option.

01:41:33.000 My 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?

01:41:47.000 So here's the thing about choosing your career path, right?

01:41:51.000 I can't tell you what to do because this is going to be your life.

01:41:53.000 But what I will say is, the first thing you need to do is pay off your debt.

01:41:56.000 That's 100%.

01:41:57.000 Pay that off first.

01:41:58.000 That has to go.

01:41:59.000 Secondly, 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.

01:42:10.000 If I can do it well and I actually like that field of endeavor, then that's what I'll do.

01:42:13.000 Now, 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.

01:42:20.000 If not, the one who makes the most money, I'll run with that for now.

01:42:24.000 That's what I would do.

01:42:25.000 But again, it's your life, brother.

01:42:27.000 You gotta live it how you want to live it.

01:42:29.000 And I think logically, I think, okay, what's the most money and what I can do very well for a long period of time.

01:42:34.000 What'd you say?

01:42:35.000 No, so just to repeat.

01:42:36.000 Living how you want to live in and what?

01:42:37.000 I think logically.

01:42:38.000 So I think what's going to make the most money for me. 1.00

01:42:40.000 Oh, fuck. 0.99

01:42:41.000 What I can do well. 1.00

01:42:43.000 Hello?

01:42:44.000 Can you hear me?

01:42:47.000 Hello?

01:42:48.000 Yo, can you hear me?

01:42:49.000 Yeah, I can hear you.

01:42:50.000 You said, um, live it how you want to live it, and what else?

01:42:53.000 So 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.

01:43:03.000 So, that's what I do, bro.

01:43:05.000 I 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.

01:43:15.000 But that's just me, though.

01:43:16.000 It's up to you what you want to do.

01:43:18.000 Cool?

01:43:18.000 I hear you 1,000.

01:43:20.000 Yo, and before I get off here, I just want to thank y'all, bro.

01:43:24.000 For real, I love y'all.

01:43:26.000 You, fresh, bro, you get too much hate that you don't deserve.

01:43:30.000 So, I just love you, man.

01:43:32.000 And you too, Myron.

01:43:33.000 I've been listening to y'all for the past, like, two years, two and a half years, and that's how I got my Discover card.

01:43:39.000 Shout out to you, man.

01:43:40.000 Just to pay out that debt, though.

01:43:42.000 Yeah, in fact.

01:43:44.000 Alright, brother.

01:43:45.000 Y'all have a good night.

01:43:46.000 You got it, man.

01:43:47.000 Alright, bro.

01:43:48.000 Peace.

01:43:49.000 Okay, guys.

01:43:50.000 We gotta do a call for FNF News coming up.

01:43:53.000 So we're actually gonna head into that after these chats.

01:43:58.000 And we'll see you guys in there.

01:44:03.000 Yeah, but, um, you gotta pay the shout-out, this dead-out first, bro.

01:44:07.000 That's gonna be paramount, bro.

01:44:08.000 For most people, just pay your dead-out first, if you can.

01:44:11.000 Especially your credit cards.

01:44:13.000 Tfellyfield says, What's up, FNF gang?

01:44:15.000 My name is Terry, 32, and today I finally became a CC Premium member and supporter.

01:44:18.000 Shout-out to you, bro.

01:44:19.000 Don't have to mark up for this guy.

01:44:22.000 I'm coming up in the world.

01:44:24.000 I'm ready to take the crypto course.

01:44:26.000 I have an intro on the WAP app.

01:44:28.000 I can't connect to Discord.

01:44:29.000 He keeps timing me out.

01:44:31.000 Noble, do you know why he keeps getting timed out in this WAP app for Discord?

01:44:36.000 Yeah, I'll go in.

01:44:38.000 I see your name on the WAP right now.

01:44:41.000 You can see his name?

01:44:41.000 Yep.

01:44:43.000 Okay, he's going to check it out for you, brother T.Felly.

01:44:45.000 He got you, bro.

01:44:47.000 Alright.

01:44:48.000 Uncle Luke.

01:44:49.000 What's up, guys? 1.00

01:44:50.000 Fresh and fit up in this bitch. 1.00

01:44:52.000 I have an idea for Money Mondays. 0.98

01:44:54.000 Educate some of the viewers on college degrees that they can get, which will guarantee them a career once they graduate.

01:44:59.000 Medical careers, accounting, engineering, etc.

01:45:01.000 So not to waste money.

01:45:03.000 Thanks, guys, on gold bills.

01:45:04.000 Yeah, that's a good idea.

01:45:06.000 We should bring in a professor or something like that for the show. 0.77

01:45:09.000 Pretty good.

01:45:11.000 Freshest dog.

01:45:12.000 This is the Uber driver caller. 0.79

01:45:14.000 Dictator.

01:45:16.000 That's a good idea.

01:45:17.000 Oh my god.

01:45:19.000 Abo Ace.

01:45:19.000 To the guy driving Uber who crashed his car asking about an episode on womanese, check the old episodes with Donovan Sharp.

01:45:25.000 There's a specific episode strictly about womanese and terms of female use and what they really mean. 0.81

01:45:30.000 Check them out.

01:45:31.000 Only the OGs know.

01:45:32.000 That's actually a good episode, guys.

01:45:33.000 Go check it out.

01:45:35.000 Okay, Fresh Updates again, WFNF. Shout out to you, bro.

01:45:39.000 Keeptellin says, you're fresh. 0.79

01:45:40.000 How do we save our black queens? 0.90

01:45:41.000 Oh yeah, I did X-Space for like 35 minutes. 0.77

01:45:45.000 I said, brothers, how can we actually change and help our black queens?

01:45:50.000 You know what the end result was?

01:45:52.000 Nothing.

01:45:54.000 Absolutely nothing.

01:45:55.000 They're cooked.

01:45:56.000 Alright, what's the next one, bro?

01:45:59.000 Yeah, we can't find anything other than takeaway weave and wigs.

01:46:03.000 Then they'll be in trouble.

01:46:05.000 And then they need our help and we say, listen, you want these things back?

01:46:09.000 Do X, Y, Z. Maybe that might help, but I don't know.

01:46:13.000 But they're cooked.

01:46:14.000 Sine Abrams says, okay, 7195, keep doing what y'all are doing.

01:46:17.000 Just sort of quick questions for you fellas.

01:46:19.000 Did we do the other one or no?

01:46:20.000 Yeah, we did.

01:46:21.000 Cool.

01:46:21.000 And good to go?

01:46:23.000 Yep.

01:46:23.000 All right, guys.

01:46:24.000 Monday, Monday call-in show.

01:46:26.000 Nigganomics was definitely good. 1.00

01:46:28.000 We covered a lot today.

01:46:29.000 And we're going to do a live stream for FNF News right now, actually, in like, what?

01:46:35.000 Five, ten minutes?

01:46:36.000 See you guys there.

01:46:37.000 Awesome show.

01:46:38.000 Peace.

Fresh & Fit - November 18, 2024

Guy Crashes Car Working Uber?! Money Monday Call In Show!

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