Fresh & Fit - Money Monday Call-In Show

00:00:00.000 Thank you.

00:05:41.000 And we are live.

00:05:42.000 What's up guys?

00:05:43.000 Welcome to the Freshman Podcast.

00:05:44.000 Man, it is Money Monday.

00:05:45.000 We got something new for y'all.

00:05:46.000 Let's get into it, baby.

00:05:47.000 Let's go. Let's go.

00:06:17.000 Let's go.

00:06:47.000 Let's go. Let's go.

00:06:52.000 whether it's a credit episode or whatever, or a guest, But for the most part, I think the most effective way is for us to do a lot of these call-in shows.

00:07:02.000 We're going to put the number up, which by the way is 515-605-9740.

00:07:06.000 That number again is 515-605-9740.

00:07:09.000 As usual, if you super chat, you can go ahead and cut the line and get to the front.

00:07:15.000 Or Rumble Rant In, either or.

00:07:18.000 Or FNFSuperChat.com, you got three main ways to donate, guys.

00:07:21.000 So FNFSuperChat.com, right, if you're on YouTube.

00:07:24.000 If you're watching on Rumble, you can Rumble Rant In, or you can use FNFSuperChat.

00:07:28.000 If you're watching on Castle Club, you can donate on Castle Club.

00:07:32.000 As well.

00:07:33.000 So those are the three main ways.

00:07:34.000 And that number is 515-605-9740.

00:07:39.000 Also, guys, get into Cal's Club for completely free right now.

00:07:43.000 All you gotta do is just put your email in there, make an account, and if we host a free Zoom call, we'll let you guys know and you guys can join in.

00:07:50.000 I don't know if we have any scheduled for this week, but you guys should absolutely jump in there for absolutely free.

00:07:56.000 Get on the list.

00:07:57.000 Get the value that we give.

00:07:58.000 We give out emails where we give you guys all kinds of value on there.

00:08:01.000 And the link is pinned in the chat as well, guys.

00:08:03.000 The link is pinned, man.

00:08:04.000 Join Cals Club for absolutely free.

00:08:05.000 And tomorrow we have a Zoom call with David Amari, YouTube Automation, 7 p.m.

00:08:09.000 EST on Tuesday.

00:08:10.000 So that's going to be an awesome call.

00:08:11.000 Premium only, by the way.

00:08:12.000 That's for Cals Club Premium, right?

00:08:14.000 So yeah, Cals Club, guys, we got two portions of it.

00:08:16.000 We got regular Cals Club and we got Cals Club Premium.

00:08:18.000 Cals Club Premium, a lot of times, is where we really dial in with someone or one of us.

00:08:24.000 When we go into one topic, like, really intimately pause.

00:08:28.000 And the crowd is a lot smaller.

00:08:29.000 So we were on a Zoom call yesterday.

00:08:30.000 We had like 100-some guys in there.

00:08:34.000 And we were just doing open Q&A, answering all types of questions for the premium.

00:08:38.000 We get really into the sauce on specific topics.

00:08:40.000 Yep.

00:08:41.000 All right?

00:08:43.000 So, yeah.

00:08:44.000 I love you in there.

00:08:45.000 A lot of value, guys.

00:08:46.000 A lot of value, man. 0.96

00:08:47.000 There's no one else that provides the amount of value that we have on there when it comes to making money, getting girls, getting your shit together in general, not being a brokie. 0.92

00:08:54.000 If you guys had listened to us, Bitcoin is at like almost $90,000, guys.

00:09:00.000 If you guys got in Charlie and Miguel's chorus when we told y'all to, or bought Bitcoin when we told you guys to, you would be up right now so much.

00:09:08.000 Ethereum when we told you guys.

00:09:09.000 Look, man, I don't want to say we're right.

00:09:12.000 But we are, we're riding a lot.

00:09:15.000 Experts told us what to do.

00:09:16.000 You know?

00:09:17.000 So, for everyone that said, oh, the crypto course is a scam.

00:09:20.000 Bruh, if you had gotten in there, you would have been making hella money right now.

00:09:23.000 Bitcoin now is 89K. 89,000.

00:09:25.000 On the top.

00:09:25.000 Ethereum is 3K. 3.3K. So it went up.

00:09:28.000 So, yeah.

00:09:29.000 So, yeah.

00:09:30.000 See, I can see a couple guys in the chat said, I got in, I got in, I made the right choice.

00:09:33.000 Yeah.

00:09:33.000 Shout out to all you guys that are smart that got in.

00:09:36.000 Oh, it's a scam, bro.

00:09:38.000 It's a scam.

00:09:39.000 Yo.

00:09:39.000 Incredible, bro.

00:09:40.000 See?

00:09:42.000 Cryptocurrency is here to stay, guys.

00:09:43.000 100%.

00:09:44.000 Alright, so let's go ahead.

00:09:47.000 Okay, I see right here TSMix goes, mine, I was on the last call-in show and I asked you guys if I could put the $11,000 I had saved up into Bitcoin to pay debt.

00:09:56.000 Bitcoin went up $10,000.

00:09:57.000 How much did we miss out on?

00:10:02.000 Wait.

00:10:02.000 He said the last concert.

00:10:03.000 I don't know when that is.

00:10:04.000 I don't know which one you mean.

00:10:06.000 If you were in hella debt, bro, we didn't want you to put your money into that, if you're asking that question.

00:10:11.000 Because, dude, who it is, he was like, what, hella debt, credit cards, personal debt as well.

00:10:18.000 I don't know if that was him, but one of these people that made a phone call had hella debt.

00:10:22.000 We didn't want him to waste money, if at all, into Bitcoin at that time.

00:10:27.000 Yeah, because remember, if you had...

00:10:29.000 Yeah, because I don't know what the price...

00:10:30.000 We would need to know what the price of Bitcoin back then was or whatever.

00:10:32.000 Remember, the rule is you put money that you don't need into Bitcoin and assets like that.

00:10:35.000 But if you need the money, then don't do it, bro.

00:10:37.000 Yeah.

00:10:39.000 So...

00:10:39.000 But either way, it's fine.

00:10:41.000 All right.

00:10:42.000 So we're going to go to the phone lines here in a little bit.

00:10:45.000 Again, guys, number call into the show, 515-605-9740.

00:10:49.000 Call into the show.

00:10:51.000 We want to talk to you guys.

00:10:53.000 We're live on all platforms right now.

00:10:54.000 We're live on Rumble, Castle Club, YouTube, and Twitter.

00:10:59.000 This is our first Money Monday call-in show.

00:11:01.000 Yeah, first one.

00:11:02.000 Kind of like Dave Ramsey, but for niggas. 1.00

00:11:04.000 So, yeah, we're less professional. 0.94

00:11:07.000 Nigga Ramsey. 1.00

00:11:08.000 Yeah, Nigga Ramsey.

00:11:09.000 Welcome to the Nigga Ramsey Show.

00:11:10.000 We're here.

00:11:11.000 We made it!

00:11:12.000 Yeah, so...

00:11:14.000 Okay, so first caller.

00:11:16.000 Yeah.

00:11:16.000 Well, I do want to bring up as well Bitcoin.

00:11:18.000 And again, it cuts the line, guys.

00:11:19.000 FNFSuperChat.com.

00:11:21.000 Rumble Rant, Castle Club Donation, any of those will help you cut the line if you guys want.

00:11:26.000 Yeah.

00:11:26.000 Right?

00:11:27.000 Bitcoin itself, though, that's remarkable.

00:11:30.000 I remember when Charlie and Miguel said years ago, oh, it's going to be $100K one day.

00:11:34.000 People are like, no way.

00:11:35.000 We've never reached that point ever.

00:11:37.000 It's at $90K right now.

00:11:39.000 It's coming true.

00:11:39.000 They don't miss, bro.

00:11:40.000 You said that like two years ago?

00:11:41.000 Yeah.

00:11:42.000 People are laughing.

00:11:42.000 Oh, they never reached that number.

00:11:44.000 You guys are capping.

00:11:46.000 Man, they're experts, bro.

00:11:47.000 I'm telling you.

00:11:48.000 You did for a while.

00:11:49.000 Went down to 30K. Yeah.

00:11:51.000 It's here to stay, guys.

00:11:53.000 It's here to stay.

00:11:55.000 It is here to stay.

00:11:56.000 And, oh yeah, just so you guys know, all of your chats are going to be shown on screen.

00:12:01.000 So, that's kind of how we're doing it.

00:12:02.000 Every single chat that comes in, we show it on screen.

00:12:04.000 Shout out to Bills, the magician in the back.

00:12:07.000 Do we have the phone lines open, guys?

00:12:09.000 Yeah.

00:12:09.000 Okay.

00:12:11.000 We got someone online?

00:12:13.000 Mo?

00:12:15.000 I'll just check if anyone donated.

00:12:17.000 Let's see you real quick.

00:12:20.000 We can take a free caller first.

00:12:21.000 Okay.

00:12:23.000 We'll take a free caller first.

00:12:25.000 Again, guys, cut the line.

00:12:28.000 Call in, put the last four digits of your phone number, and we got you.

00:12:32.000 3819, you're up.

00:12:33.000 3819, welcome to the show.

00:12:35.000 3819, you're up.

00:12:37.000 Does Dave ask them where they're from?

00:12:39.000 Yeah, name, age, where you're from, right?

00:12:41.000 Yeah, we'll just say name and where you're from.

00:12:42.000 Cool.

00:12:43.000 Alright, what's up, bro?

00:12:46.000 I'm from Mississippi.

00:12:47.000 What's your name?

00:12:48.000 Mississippi?

00:12:51.000 Can you guys hear me?

00:12:53.000 Yeah, we got you.

00:12:53.000 You're from Mississippi.

00:12:54.000 What's your name?

00:12:55.000 You sound a bit far, though.

00:12:59.000 My name's Manuel.

00:13:00.000 I'm calling to ask about my credit advice.

00:13:06.000 My current score is 687.

00:13:10.000 I have five hard in court.

00:13:13.000 My first card, number one.

00:13:16.000 Hey, bro, bro, bro.

00:13:18.000 Look, look, look, look.

00:13:19.000 Take a deep breath. 1.00

00:13:21.000 Your connection sucks balls. 1.00

00:13:22.000 We can barely hear you. 1.00

00:13:24.000 So I don't know if you're using bad service or you're talking to us on speaker, but try to get into an area where we can actually hear you, bro.

00:13:32.000 Come on.

00:13:33.000 We got you, bro.

00:13:36.000 So I got a Capital One Platinum credit card.

00:13:42.000 I got it in March.

00:13:42.000 It's my first card.

00:13:44.000 My current score is six.

00:13:51.000 How did you get those five hard inquiries?

00:13:56.000 What's it for?

00:13:56.000 It was before I got my first card.

00:14:02.000 I kept getting declined because it was my first one.

00:14:06.000 Oh, you were applying for cards.

00:14:09.000 Yes, I was before I got my first card.

00:14:13.000 Typically, they fall off within the year.

00:14:15.000 In two years, they're fully off your score.

00:14:17.000 So the first year affects your score, but after that, the second year...

00:14:19.000 Yeah, and it's not that big of an effect, man.

00:14:22.000 Three points.

00:14:23.000 Yeah, just focus on the most important things when it comes to credit cards and your credit score in general, bro, is...

00:14:29.000 Utility?

00:14:30.000 Credit utilization, right?

00:14:32.000 Making sure that you're...

00:14:33.000 I like the goal of the number is to be under 10%, but most people can't do that.

00:14:37.000 So just be under Do you have any current debt right now, bro?

00:14:47.000 That you need to pay off?

00:14:50.000 No debt.

00:14:51.000 All right.

00:14:52.000 Then you're in a good place, bro.

00:14:53.000 Just keep your utilization low.

00:14:55.000 What's your credit limit on that credit card?

00:14:57.000 $300. 0.99

00:15:01.000 Okay, so what you got to do is you just got to max it out then like pay it down immediately because $300 is not shit, bro. 0.95

00:15:07.000 And then you're going to need to ask for credit increase after the first month or two. 0.94

00:15:12.000 Well, twice for credit increase.

00:15:20.000 You said you asked twice?

00:15:24.000 Yes, I've got declined twice.

00:15:26.000 Yeah, it's because you haven't had the card long enough, bro.

00:15:28.000 How long have you had the card?

00:15:30.000 You said you just got it, right?

00:15:33.000 I had it since March.

00:15:37.000 Have you been making your payments on time?

00:15:40.000 Yes.

00:15:43.000 And they declined you from getting a credit card increase?

00:15:48.000 Yes.

00:15:49.000 So you've been paying on time since March and you asked for an increase and they told you no.

00:15:56.000 Yeah, they declined twice.

00:15:58.000 Something's up there.

00:15:59.000 Yeah, something's up here, bro.

00:16:00.000 Did you call them or did you try it through the app?

00:16:04.000 I tried through the app.

00:16:06.000 Okay, call them.

00:16:07.000 Yeah, it's a system that does it automatically, guys, so it can give you that a lot of times. 0.52

00:16:12.000 Let me guess, it probably asked you for your income and shit like that and you did it through the app and then it declined you?

00:16:18.000 Yes. 0.98

00:16:19.000 Okay, you got to call them, bro.

00:16:20.000 Also, when you call them, make sure it's paid off so it looks good as well.

00:16:24.000 And hey, I've been paying off my statement for the past six months and I want to get an increase.

00:16:29.000 And there's going to be a person talking to you saying, you know, all right, let me look at your history.

00:16:32.000 Okay, verified.

00:16:33.000 All right, we got you.

00:16:34.000 Try to get it to $1,000, bro.

00:16:35.000 The algorithm might just reject you automatically. 0.99

00:16:38.000 Try to get it from somewhere from $600 to $1,000 because $300 ain't shit, bro.

00:16:41.000 You need a bigger credit limit so that you can carry a larger balance so that way you're not always hitting 90% utilization for using it once.

00:16:48.000 Also, a lot of you need to expand your credit.

00:16:50.000 For example, you might need to expand to maybe a car you can afford, by the way, or maybe a cell phone.

00:16:56.000 Whatever it is you can expand your credit with, you should do.

00:16:58.000 Because a credit card alone won't put your score that high.

00:17:00.000 You need more stuff to actually expand that credit score to a higher score.

00:17:03.000 And once you hit 700, try to get some other cards, bro.

00:17:06.000 The problem is, you know what you probably did?

00:17:07.000 You probably put off more than you can chew.

00:17:09.000 You probably applied for cards that need a 720 flexes, etc.

00:17:13.000 If you want to get these actual good cards that are worth fucking having, it need to be 720 plus.

00:17:18.000 So for you, you're in this awkward range where that's why you got declined. 0.75

00:17:22.000 Because what probably happened was you applied for cards that give you benefits, $2 cash back, whatever it may be.

00:17:27.000 And these are...

00:17:29.000 These are cards that you need to have pretty good credit to get.

00:17:31.000 So you need to go back, bro, and get some more basic cards. 0.97

00:17:34.000 It might suck that you gotta carry some credit cards that don't give you intrinsic benefit from having them, but it's worth it so that you can pass that fucking 720 mark. 0.92

00:17:41.000 Also, just out to your point, there's one fact that we forgot to mention. 0.87

00:17:45.000 Whenever you have a credit request, Also, your income matters as well.

00:17:50.000 So, back when I had my first card, like, I wanted a bigger Chase card.

00:17:53.000 I couldn't get it because my income was so low compared to what the offer was.

00:17:56.000 I wasn't able to accept that either.

00:17:58.000 So, how much do you make a year, bro?

00:18:02.000 Less than 40K. See?

00:18:05.000 That's kind of problem, too.

00:18:06.000 Your income is too low, bro.

00:18:07.000 Dude, so, see, you got to do three things here.

00:18:09.000 You said less than 40K. Nigga, tell us how much exactly. 1.00

00:18:11.000 Yeah, what's that number, bro?

00:18:15.000 Uh...

00:18:19.000 36k.

00:18:20.000 Alright, cool.

00:18:21.000 I mean, he's a Mississippi, low cost of living, one of the poorest states in America, so I get it. 0.99

00:18:25.000 But, yeah, bro, that's also going to keep you back.

00:18:28.000 So, you're going to need to go ahead and get some cards that are easier to get.

00:18:33.000 You know, like beginner credit cards.

00:18:35.000 How old are you, bro?

00:18:36.000 Because he said, you got a Capital One Quicksilver, you said?

00:18:39.000 Which kind of credit card did you get?

00:18:42.000 Capital One Platinum.

00:18:45.000 What's the benefit on that one?

00:18:46.000 It gives you a dollar back?

00:18:49.000 It's a cashback card, that one, or what is it?

00:18:54.000 No, there's no benefits.

00:18:58.000 There's got to be one benefit, because I've heard of that card before.

00:19:01.000 The platinum.

00:19:03.000 I'm looking right now.

00:19:06.000 This is like a beginner card.

00:19:07.000 That is a beginner card.

00:19:08.000 I have it.

00:19:10.000 So there's no benefit to that card?

00:19:11.000 No.

00:19:12.000 Zero?

00:19:13.000 Zero.

00:19:14.000 Alright.

00:19:14.000 It's a beginner credit card.

00:19:15.000 I have that.

00:19:16.000 Okay.

00:19:17.000 Nothing?

00:19:18.000 Nothing.

00:19:18.000 Yeah.

00:19:20.000 No cashbacks?

00:19:21.000 No.

00:19:22.000 No cashback?

00:19:22.000 No nothing?

00:19:23.000 No. 1.00

00:19:24.000 Damn. 1.00

00:19:25.000 Alright. 0.99

00:19:25.000 Yeah, bro. 0.99

00:19:25.000 This card, all you need is a fair score. 0.99

00:19:29.000 Okay.

00:19:30.000 You don't have any good.

00:19:32.000 You just need a fair.

00:19:32.000 Okay.

00:19:33.000 So, bro, you need to get a couple more fair credit cards then, is what you need.

00:19:37.000 Yeah.

00:19:39.000 So, if you can...

00:19:40.000 Bro, you gotta start somewhere.

00:19:41.000 I thought I had the quick silver.

00:19:42.000 Because your income...

00:19:43.000 Also, at that point, pay it off more and ask for an increase as well once the income goes up as well.

00:19:49.000 But, yeah.

00:19:51.000 That's why, bro.

00:19:51.000 I remember you said those beginner cards, those are the ones that you have to have to keep the longest.

00:19:57.000 Oh, yeah, yeah, yeah, yeah.

00:19:58.000 Okay, it was a card that you got in the beginning and you just can't get rid of it now.

00:20:01.000 Yes.

00:20:01.000 Okay, gotcha.

00:20:02.000 Okay.

00:20:03.000 So Moe's in the same boat as you, bro.

00:20:05.000 He got that card too.

00:20:07.000 Well, I was.

00:20:08.000 Yeah, he was.

00:20:11.000 Okay.

00:20:12.000 Alright, so yeah, bro.

00:20:13.000 So you know what you need to do?

00:20:14.000 Yeah.

00:20:15.000 Call Capital One.

00:20:16.000 So step one for you.

00:20:17.000 Call Capital One, increase your limit, and then try to see if you can get another card.

00:20:22.000 Alright?

00:20:23.000 Alright, got it.

00:20:24.000 And you're going to have to get the basic card.

00:20:25.000 And work your way up to 720 credit scores so that you can get a card that's worth actually having.

00:20:29.000 Cool?

00:20:31.000 Alright, one last question.

00:20:33.000 What are the top five content creators for credit advice?

00:20:40.000 Definitely us.

00:20:41.000 Who else?

00:20:42.000 I'm trying to think.

00:20:42.000 Graham Stephan?

00:20:44.000 Yeah, does Graham Stephan cover credit cards like that anymore?

00:20:46.000 He used to back in the day for sure.

00:20:47.000 Yeah, I don't know if he still does.

00:20:49.000 There's an Asian guy.

00:20:50.000 There's an Asian guy.

00:20:51.000 I'm trying to remember.

00:20:52.000 Of course he's Asian.

00:20:53.000 Yeah, it's always Asian, I guess, bro. 1.00

00:20:54.000 I'll be honest with you.

00:20:54.000 I forgot his name.

00:20:56.000 Hold on, let me find him right now.

00:20:58.000 Who we got?

00:20:59.000 I forgot his name. 0.94

00:21:00.000 I was supposed to bring him on, but I lost my fucking Instagram that I was talking to him on.

00:21:04.000 There's one in Colombia that we met.

00:21:06.000 Brian Jung.

00:21:07.000 Brian Jung is pretty good.

00:21:09.000 I was talking with him, bro. 0.99

00:21:10.000 I was about to get him on the fucking show, on my old account, and then he got fucking banned, bro. 1.00

00:21:14.000 Fucking bullshit. 1.00

00:21:15.000 Yeah, Brian. 1.00

00:21:15.000 Yeah, check out Brian Jung, bro. 1.00

00:21:17.000 It's Brian.

00:21:18.000 Alright?

00:21:19.000 He's good, too.

00:21:20.000 Us and Brian Jung.

00:21:23.000 So you can't call Brian Jung, though.

00:21:27.000 So, he's going to give you general sauce, but we give you the sauce particular for you.

00:21:31.000 Your biggest thing, you've got to call Capital One, call them personally, get your credit limit increase.

00:21:37.000 After you get your credit limit increase, try to get another card that's going to be a basic card that's easy to get so you can increase your overall credit that you have.

00:21:46.000 Does that make sense?

00:21:47.000 Try applying with another company.

00:21:50.000 Alright?

00:21:51.000 Well, you got it, bro.

00:21:52.000 Alright.

00:21:53.000 Actually, matter of fact, while you're on the phone...

00:21:54.000 Hold on.

00:21:55.000 While you're on the phone with the guy with the representative, see what cards he can get you.

00:22:00.000 Going through them with them actually helps, too.

00:22:03.000 So, get your credit.

00:22:04.000 Let me increase it.

00:22:04.000 Tell him that you're also interested in getting another card.

00:22:07.000 Alright?

00:22:09.000 Alright.

00:22:10.000 I appreciate a shout-out.

00:22:12.000 Trump 2024.

00:22:13.000 Have a good day, fellas.

00:22:15.000 Alright, bro.

00:22:15.000 Take it easy.

00:22:16.000 And make more money, too.

00:22:18.000 You gotta start somewhere, man.

00:22:20.000 Yeah, no, absolutely.

00:22:20.000 Don't be ashamed, bro.

00:22:21.000 Yeah, yeah, yeah, no.

00:22:22.000 36k, it's fine.

00:22:23.000 You sound like a young guy.

00:22:24.000 Yeah.

00:22:25.000 We'll get that up.

00:22:25.000 So, no, we need name, age, or where you're from, at least.

00:22:28.000 Yeah, yeah, yeah.

00:22:28.000 You're right, you're right.

00:22:29.000 We gotta actually see.

00:22:30.000 Yeah, well, that too, because that way we'll tell him what he needs to be focusing on, too.

00:22:35.000 Yeah, yeah. 0.83

00:22:35.000 You know, a 35-year-old, we're gonna give him significantly different advice than someone that's fucking- Yeah, 21 or 18. 0.83

00:22:41.000 Yep. 0.95

00:22:42.000 All right, guys.

00:22:42.000 Final 5, 605-9740.

00:22:44.000 I see some of you guys are donating some stuff here.

00:22:46.000 Put the last four digits of your number, and we'll get you on the line ASAP. You will cut the line, okay?

00:22:50.000 Once again, if you're watching on YouTube, FNFSuperChat.com, donate that way.

00:22:54.000 If you're watching on Rumble, Rumble Rant It In, or FNFSuperChat.com.

00:22:58.000 If you're watching on Castle Club, just send a tip in with the last four digits of your number.

00:23:02.000 And if you're on X, well, nigga, I don't know what to tell you. 1.00

00:23:05.000 If you're a...

00:23:06.000 Come on over to Rumble.

00:23:07.000 Yeah, if you're watching on FNFSuperChat, call out to the show.

00:23:11.000 FNFSuperChat.com.

00:23:13.000 FNFSuperChat.com.

00:23:14.000 Yeah, there you go.

00:23:14.000 Boom.

00:23:15.000 So, alright, cool.

00:23:16.000 Let's go ahead and get this thing going.

00:23:18.000 Who's up next?

00:23:19.000 We have 4-5-1-7.

00:23:22.000 You are up.

00:23:23.000 4-5-1-7.

00:23:24.000 You are up.

00:23:25.000 Okay, good.

00:23:26.000 And we got FNF News coming up after 10 p.m.

00:23:28.000 for you guys.

00:23:29.000 Yes.

00:23:29.000 Go on, bro.

00:23:29.000 With a special guest.

00:23:31.000 Hey, what's up, man?

00:23:32.000 Yeah, I just wanted to talk about some crypto...

00:23:35.000 So I was seeing over here in Charlie and Miguel, their thing.

00:23:39.000 They got the 10K play going on.

00:23:42.000 Are you guys in that thing or do you guys know about that or no?

00:23:46.000 No.

00:23:48.000 No.

00:23:49.000 Okay.

00:23:51.000 But do you know when they have, when they're going to open up their course again?

00:23:55.000 Probably first quarter next year.

00:23:57.000 Yeah.

00:23:58.000 Probably first quarter next year.

00:23:59.000 If you missed it, probably next year.

00:24:02.000 Okay, okay, okay.

00:24:04.000 But, hold on, hold on.

00:24:06.000 Bro, are you a Castle Club premium?

00:24:08.000 Yes.

00:24:09.000 No, not premium, no.

00:24:10.000 Bro, you gotta get in there because we do a Zoom call with them a couple times a month.

00:24:14.000 With Charlie and Miguel.

00:24:16.000 Okay, okay.

00:24:17.000 65 bucks a month.

00:24:18.000 Action whatever you want.

00:24:19.000 Yeah, literally 65 a month. 1.00

00:24:21.000 It's cheaper than fucking... 0.99

00:24:22.000 What coins to buy, when to sell. 1.00

00:24:23.000 Yeah, it's cheaper than getting the course.

00:24:24.000 So, get in Castle Club right now, bro.

00:24:26.000 He's already a regular Castle Club.

00:24:28.000 I mean premium.

00:24:29.000 Yes, yeah.

00:24:30.000 She was up, by the way.

00:24:32.000 I'm going to get in the premium soon.

00:24:33.000 I'm going to get in there.

00:24:34.000 I'm going to get in there.

00:24:34.000 Probably tonight.

00:24:36.000 Do it now, bro.

00:24:38.000 Do it now.

00:24:38.000 Is it worth it for the American Express Platinum card?

00:24:42.000 Is it worth it or no?

00:24:44.000 Yeah, worth it.

00:24:45.000 Do you travel or no?

00:24:48.000 Not a lot, but hopefully soon.

00:24:51.000 Then just get yourself, bro, if you don't travel like that, just get yourself a good cashback card, bro.

00:24:55.000 Yeah.

00:24:56.000 Be honest with you.

00:24:57.000 You can do Blue Cash.

00:24:59.000 Yeah.

00:25:00.000 Blue Cash is a good one if you want to go with Amex.

00:25:04.000 The Citi Double Cash Rewards, that's a 2% cashback flat across every single platform.

00:25:10.000 That's a really good cashback credit card.

00:25:12.000 If you eat out a lot, the gold is good too.

00:25:14.000 Amex, gold.

00:25:18.000 Yeah, I think they stopped offering me that.

00:25:20.000 They started giving me the platinum.

00:25:22.000 Yeah, because the thing is, bro, the platinum...

00:25:24.000 It's more travel-based, though.

00:25:26.000 It's more travel-based, and it's like $600 to $700 annual fee, bro.

00:25:29.000 Yeah, it's higher.

00:25:30.000 Like, you need to really be utilizing...

00:25:32.000 What?

00:25:35.000 $675, I was just reading.

00:25:36.000 Yeah, so $700 annual fee, bro.

00:25:38.000 So you need to utilize all those benefits if it's worth it for you.

00:25:41.000 And for most people, I'll just be honest with you, it's not.

00:25:43.000 So I'll say for you, maybe a cashback credit card might be the best.

00:25:47.000 I always tell people in general, most regular people benefit the most from cashback credit cards.

00:25:52.000 Yeah, because you're spending money anyway.

00:25:55.000 Yeah, and it won't be a crazy annual fee.

00:26:00.000 I guess that's about it, man.

00:26:02.000 All right.

00:26:03.000 Castle Club Premium, bro.

00:26:04.000 Get in there.

00:26:04.000 We'll see you later, bro.

00:26:05.000 When do we have, on the schedule, Noble, when do we got Charlie Miguel for Castle Club Premium?

00:26:10.000 Let me check right now.

00:26:11.000 All right.

00:26:12.000 Noble will...

00:26:12.000 We had them on Sunday, actually.

00:26:14.000 Oh, we just had them this Sunday?

00:26:15.000 Yeah.

00:26:16.000 We just had them this Sunday.

00:26:17.000 See, bro, you could have been in there.

00:26:18.000 See, the biggest thing is no more coins to buy and when to sell.

00:26:21.000 If you know that, bro, it's a W. Yeah, Charlie will be in there. 0.72

00:26:23.000 So we'll see...

00:26:25.000 We got them the 24th.

00:26:26.000 The 24th of this month, bro.

00:26:27.000 Getting Castle Club Premium now, bro.

00:26:30.000 All right, definitely, bro.

00:26:31.000 All right, inshallah.

00:26:31.000 See you, Rick.

00:26:32.000 Yep, 65 bucks a month, bro. 1.00

00:26:33.000 Cheap as fuck, man. 1.00

00:26:34.000 You got it. 1.00

00:26:34.000 It's the 24th of November. 1.00

00:26:36.000 All right, man.

00:26:36.000 Who's up next?

00:26:38.000 Yeah.

00:26:39.000 505-605-9740.

00:26:41.000 Guys, call on to the show.

00:26:41.000 By the way, 9789.

00:26:43.000 You donated, but you're not in the line.

00:26:45.000 So get in there. 0.98

00:26:45.000 You already donated. 0.98

00:26:46.000 You donated on Castle Club, but I'm looking for you.

00:26:48.000 You're not in the line.

00:26:49.000 All right.

00:26:50.000 So next up is 5544.

00:26:52.000 You are up.

00:26:54.000 5544.

00:26:55.000 You are up.

00:26:56.000 Go ahead.

00:26:58.000 Yo, can you guys hear me?

00:26:59.000 Yep.

00:27:00.000 Here we got you.

00:27:02.000 Badass.

00:27:02.000 Hey, I just want to let that other guy know too.

00:27:04.000 I had like zero credit and I was making about 85 grand a year and I applied to Capital One.

00:27:10.000 I got a venture card for 3% cash back.

00:27:14.000 Sorry, that was actually my second card.

00:27:15.000 The first one I got was the Capital One Saver one, and that one gives you 1.5% cash back. 0.96

00:27:21.000 So you just got to go through a little bit of research, and like you guys always say, there's plenty of fucking cards out there that will pay you back. 0.82

00:27:28.000 Yeah, the thing with him, bro, the thing with him is that his credit score is a little too low to get those cards. 0.97

00:27:33.000 And income as well.

00:27:34.000 Yeah.

00:27:35.000 Yours is double his. 0.70

00:27:36.000 For the 1.5% back, I didn't even have a salary position.

00:27:42.000 I was a 1099 contractor, and I applied with zero credit.

00:27:47.000 And I got that card and gave me like $300.

00:27:49.000 To you, you might think it was zero credit.

00:27:51.000 Here's the thing, bro.

00:27:52.000 Out of free, this is a good card.

00:27:53.000 We're getting 3% cash back, and if you spend $5,000, they give you like 40,000 miles.

00:27:58.000 So I do travel a lot, so I think that's worth it, but it's a pretty good card.

00:28:02.000 Yeah.

00:28:02.000 Yeah, you've got to spend that in the first year, though, typically.

00:28:04.000 That's like an entry bonus.

00:28:06.000 It's like you've got to spend it within...

00:28:07.000 A lot of these cards have a sign-up bonus where you have to spend a certain amount of money within a few months.

00:28:14.000 So just keep that in mind, guys.

00:28:15.000 To get that big mileage bonus that he's talking about, you typically have to spend that money within...

00:28:21.000 Somewhere between one to six months.

00:28:23.000 Depends on how much.

00:28:24.000 Sorry, what's your question, bro?

00:28:25.000 When I first started watching you, Myron, you said to purchase everything on a credit card, no matter what it is, and just get the credit going.

00:28:33.000 Ever since I heard that advice from you, I literally buy every fucking thing in my life on a credit card that I can and just immediately pay it off. 0.62

00:28:40.000 Maybe that definitely helps, too. 0.97

00:28:42.000 Yeah.

00:28:42.000 It helps a lot.

00:28:44.000 Fresh, do not listen to the fucking haters. 1.00

00:28:46.000 You are awesome. 1.00

00:28:48.000 I love the fact that you guys do...

00:28:50.000 It's like yin and yang.

00:28:51.000 You guys are perfect together, so I love it.

00:28:54.000 And thank you very much.

00:28:56.000 I heard a guy call in last week, and he was saying that he was from Detroit, and he voted for a bunch of other people, and because he was watching you guys, he voted for Trump.

00:29:04.000 So I have a lot of black friends, and you guys have red-pilled all of them. 1.00

00:29:09.000 Nice.

00:29:09.000 W, man.

00:29:11.000 Love the guests.

00:29:12.000 Love you guys.

00:29:13.000 And yeah, talk later.

00:29:15.000 Thank you, man.

00:29:16.000 Appreciate it, bro.

00:29:16.000 Yeah, no, Aaron Clary actually hit me fresh up and he said that we probably brought a bunch of the black vote over to Trump.

00:29:23.000 And I was like, damn, you know what? 0.98

00:29:24.000 You're right. 0.99

00:29:25.000 Because...

00:29:27.000 I would say we're probably the most based conservative black guys on the internet by far.

00:29:31.000 By far.

00:29:32.000 Yeah.

00:29:32.000 No one even comes close.

00:29:33.000 I feel like Hot Springs are lighter skinned, so they don't count. 1.00

00:29:35.000 Yeah, they're the clean version of us.

00:29:37.000 They don't count.

00:29:37.000 To be honest.

00:29:39.000 100%.

00:29:39.000 Alright, thank you guys.

00:29:41.000 Have a good one.

00:29:41.000 Shout out to you.

00:29:42.000 Shout out to them.

00:29:43.000 We had them on the show, actually.

00:29:44.000 But yeah, we're definitely a bit further right than they are.

00:29:48.000 Back in the day, it was like, Keith, come here!

00:29:51.000 Yeah.

00:29:51.000 That show's funny, bro.

00:29:53.000 Shout out to them, man.

00:29:53.000 Yeah, no, I like the hardest ones.

00:29:54.000 But yeah, we're like a...

00:29:55.000 I would say they're definitely right-wing, but we're further.

00:30:00.000 And they're very funny, too.

00:30:02.000 Yeah.

00:30:02.000 Awesome guys.

00:30:03.000 We're like the crazier version of them niggas, bro. 1.00

00:30:06.000 The darker versus the crazier versus the niggas, man. 1.00

00:30:09.000 Shout out to the Hot Swords, man.

00:30:11.000 Yo, we need them in the studio here, bro.

00:30:12.000 Yeah, no, I gotta get them over here, man.

00:30:16.000 They're cool, man.

00:30:17.000 Yeah, and they're definitely aware of, you know what I'm saying?

00:30:20.000 Them is some real niggas, man. 1.00

00:30:21.000 Yeah, they're aware of that shit. 1.00

00:30:23.000 So that's big respect. 0.99

00:30:24.000 Anytime someone notices of that, I'm like, okay.

00:30:27.000 6,595.

00:30:30.000 Oh, that's his number.

00:30:31.000 By the way, BRT, yes, I did vote for Trump.

00:30:33.000 That was the BTS? TTS. Okay, oh, I forgot to mention that.

00:30:36.000 Guys, you can also... 1.00

00:30:38.000 Shit, I need to save this war. 1.00

00:30:40.000 Our boy, Justin, was like, nigga, I didn't even know you guys offered this. 1.00

00:30:44.000 Yes, guys, we have Texas Speech, right?

00:30:46.000 So if you guys want to get involved in the show and have your chat read out loud, Texas Speech, it's, what's that, 20 bucks or 50?

00:30:52.000 50.

00:30:53.000 It's 50?

00:30:54.000 We need a bigger font on that.

00:30:55.000 We need a bigger font and different colors or something.

00:30:57.000 Let's put that above.

00:30:58.000 Yeah, let's put that above the FNF Super Chat, the numbers.

00:31:01.000 Tell us how you really feel.

00:31:02.000 And yeah, we can take the Cast Club branding off too.

00:31:07.000 Let's congest it on the screen for the ninjas so they know what's going on.

00:31:09.000 Yeah.

00:31:10.000 Yeah, let's put the TTS there on top of the FNFSuperChat.com.

00:31:15.000 So they know, and then obviously let's put the phone number somewhere big where they know as well.

00:31:19.000 Let's go to the TTS guy.

00:31:19.000 Who's next?

00:31:21.000 He's on the line right now.

00:31:22.000 Okay, TTS guy.

00:31:23.000 And by the way, 9789, I'm still looking for you.

00:31:23.000 What's up, bro?

00:31:26.000 But for now, the TTS guy, $100.

00:31:28.000 Thank you so much. 0.95

00:31:30.000 Shout out to you, nigga. 1.00

00:31:31.000 Yep. 0.98

00:31:32.000 TTS nigga, you're on the line. 1.00

00:31:33.000 Go ahead. 0.51

00:31:33.000 What's going on, bro? 0.51

00:31:34.000 6595, you're up.

00:31:36.000 6595, you're up.

00:31:39.000 How you guys doing?

00:31:39.000 Hey, guys.

00:31:40.000 What's up, bro?

00:31:41.000 What's your name and where you from?

00:31:41.000 What's up?

00:31:42.000 Hey, so...

00:31:44.000 Hey, so Myron, I've actually spoken to you before.

00:31:46.000 It's Lester from On Point Politics, but I was actually just calling in because I wanted to ask something about your real estate portfolio.

00:31:54.000 You know, I've been doing YouTube for a couple months now, since January, and I've gotten it up to about 60k subscribers, so I'm thinking of doing that.

00:32:03.000 We spoke on X, right?

00:32:05.000 We spoke on X, if I'm not mistaken?

00:32:07.000 Yes, yes, we did.

00:32:10.000 But what I was calling for was, so I started doing this in January, and I'm at about 60k now.

00:32:17.000 And so what I was asking is, how did you start getting into real estate?

00:32:21.000 Because, you know, I want to start now with Trump being elected and stuff like that, the economy is going to be a lot better to be doing stuff like this.

00:32:28.000 Yeah.

00:32:30.000 What's your, like, if somebody were to start getting into real estate, what was the best advice you would give them?

00:32:35.000 I have my notes ready, so I'll just be writing stuff down.

00:32:37.000 Alright, cool.

00:32:38.000 So you have two routes that you can go about this, okay?

00:32:40.000 You can either buy A, as an investor, or buy B, under the house hacking methodology, right?

00:32:44.000 And me and Fresh can talk to you about both.

00:32:48.000 When I got my first property, I just got it as an investor, right? 1.00

00:32:50.000 I said, fuck it. 0.99

00:32:52.000 I got it as an investor, but Fresh, what he did was he got his under the house hacking. 1.00

00:32:57.000 So it depends on how much capital you have.

00:32:59.000 If you have a lot of capital, I suggest you get it as an investor.

00:33:02.000 If you don't, then you could go ahead and get it under the house hacking thing, which house hacking is basically where you get a 3.5% loan, You control the property, but you have to live in the property for a year.

00:33:14.000 Now, if you're going to do this, I highly suggest you get a duplex or a triplex, because if you get a duplex or a triplex, you can have your tenants kind of- Pay down equity.

00:33:23.000 Yeah, they'll help you bring up the equity, because they're going to be the ones paying your mortgage for you, and you're going to live essentially for free.

00:33:31.000 The house hacking method, yeah, you could do it with a single family home, but it's not going to be as effective because you've got to pay that mortgage down yourself or you're going to have to go ahead and have tenants come in and you give them rooms.

00:33:40.000 So I suggest if you're going to do a house hacking method, at least try to do it with a duplex. 0.68

00:33:44.000 But you're here in Florida with us, so you already know that a duplex down here, you're going to need at least half a million dollars to get a fucking duplex in South Florida somewhere. 0.94

00:33:52.000 Yeah, they're expensive. 0.99

00:33:54.000 Yeah, they're expensive.

00:33:55.000 So for you, you might need to go ahead and do the house acting method unless you got $100,000 to $200,000 that you're ready to invest as an investor.

00:34:03.000 So those are the two methods you can go with, but it really depends on how much capital you have ready to put in.

00:34:09.000 Yeah, FHA or conventional loans.

00:34:11.000 Yeah.

00:34:11.000 Either way.

00:34:13.000 Which are both going to be 30-year fixed.

00:34:16.000 Excuse me?

00:34:17.000 I was going to say, whether you get it as an investor or you get it as FHA, it's still going to be a 30-year fixed.

00:34:24.000 Okay, I see.

00:34:25.000 Alright, and Myron, one more question, and this is, is it fine if I ask you something politically related?

00:34:31.000 I know it's Money Monday, but I've been wanting to ask you this.

00:34:34.000 Yeah, sure.

00:34:36.000 Okay, so obviously I'm more America first.

00:34:40.000 I was more liberal back in pre-2020 when I was younger, and now I'm about to turn 20, and I've been more America first.

00:34:46.000 I voted for Donald Trump this time around, my first time vote, and I've heard your criticisms.

00:34:53.000 I know you're a fan of Donald Trump for the most part, but I've heard your criticisms about him in terms of his Israel stance.

00:35:00.000 Now, I am not super familiar with geopolitics, and I've heard stuff from Ben Shapiro.

00:35:06.000 I've heard stuff from Nick.

00:35:07.000 And I can have my opinions about everybody, but I want to hear from you.

00:35:12.000 What is the baseline general relationship as to why you believe it's not in the best interest to – what's the whole thing behind this whole Israel thing with you not exactly approving of it?

00:35:25.000 Again, I don't approve any foreign aid to any country.

00:35:28.000 I think we need to cut all 4.8, period.

00:35:31.000 But I wanted to kind of hear your opinion, because I respect you guys, and I think that your opinion in politics is very valuable.

00:35:38.000 And so, what's your kind of stance on Israel and why you are against it right now?

00:35:44.000 Okay, that's not really on topic with the show, but what I'll do is I'm going to give you a very abridged version of why I oppose.

00:35:51.000 Because, look...

00:35:54.000 Foreign policy is one of the most important things.

00:35:56.000 It's actually the number one reason why I voted in this election, because only the president really can dictate foreign policy, right?

00:36:02.000 The Secretary of State is nothing more than an extension of the sitting president's foreign policy.

00:36:09.000 And the other thing, too, is foreign policy dictates foreign conflicts, and foreign conflicts...

00:36:13.000 Can't necessarily be staved off by yourself or your, you know, how much money you make, right?

00:36:17.000 Like we could talk about inflation and how whether inflation is here or not, you know, if you make enough money, you won't really feel it, right?

00:36:22.000 If the president's in or the president, no matter who's in office, if you're poor, you're going to be poor, right?

00:36:27.000 It's on you to be successful and like get it out the mud.

00:36:29.000 But the one thing that you can't control is if we're in the middle of a nuclear war, right?

00:36:32.000 No matter how successful you are, like, you know, us being in a nuclear warfare is going to be a problem.

00:36:38.000 So my thing is I'm very...

00:36:41.000 I pay a lot of attention to geopolitics because I think foreign relations is something that's extremely important that not enough Americans pay attention to, right?

00:36:47.000 Now, with that said, the reason why I dislike our aid for Israel is because we propped them up to be an instigator in the Middle East and potentially drag us into foreign conflicts that we don't necessarily need to be involved in, whether it's through Lebanon, Yemen, Iran, etc. 0.71

00:37:02.000 Because Iran doesn't really want war with us.

00:37:04.000 Because they know that we're the superpower.

00:37:04.000 They really don't.

00:37:06.000 But what ends up happening is Our allies over there try to stimulate and antagonize a war.

00:37:12.000 They've been doing it for several months now by assassinating world leaders, which I've talked about ad nauseum here on our Monday news shows.

00:37:21.000 And I'm going to go into this in a little bit more detail, so stay tuned for tonight.

00:37:23.000 But that's kind of a very abridged version why I oppose aid to Israel.

00:37:29.000 Basically, this skate war is the Middle East that we don't need to be involved in, just like Iraq in 2003.

00:37:34.000 Okay.

00:37:35.000 All right, guys.

00:37:36.000 Thank you very much.

00:37:37.000 Thanks for calling in, bro.

00:37:39.000 And good luck with your real estate stuff.

00:37:40.000 Bye-bye.

00:37:40.000 Thank you, brother.

00:37:41.000 Bye.

00:37:41.000 Thank you.

00:37:42.000 Appreciate it.

00:37:43.000 Bye-bye.

00:37:43.000 All right.

00:37:46.000 Who's up next?

00:37:47.000 We have 1-8-7-8.

00:37:51.000 You are up.

00:37:52.000 1-8-7-8.

00:37:54.000 You are up.

00:37:56.000 1-8-7-8.

00:37:57.000 You are up.

00:37:59.000 Hey, what's going on, guys?

00:38:00.000 Yo.

00:38:01.000 What's up, man?

00:38:02.000 Hey, big time supporter here.

00:38:05.000 Quick questions for you guys.

00:38:07.000 I have some debt that I've acquired over the last year, I'd say, and a half.

00:38:12.000 I just moved back from Houston, Texas, back to Cleveland, Ohio.

00:38:16.000 I acquired about eight grand of credit card debt just from living outside my means, and this also goes to show that Guys, do not live with a woman because it will make you soft and you'll be in way more debt than you should be. 0.99

00:38:29.000 Honey, can we go to dinner tonight?

00:38:30.000 Can we go travel next week?

00:38:33.000 Before you know it, you're spending thousands, bro. 0.98

00:38:34.000 Yeah, it fucks you up, bro. 0.98

00:38:36.000 Oh, it was insane. 0.97

00:38:37.000 I mean, I had a job at Alpohan and it was doing alright, but, you know, just wasn't paying the bills.

00:38:43.000 Alpohan out there in Houston?

00:38:45.000 Texas.

00:38:46.000 Yeah, yeah, in Houston, Texas. 1.00

00:38:48.000 Oh, shit, you were working for Christian. 1.00

00:38:50.000 I was working for Christian. 1.00

00:38:52.000 I was a big, big supporter of Apple.

00:38:53.000 We still am wearing it right now.

00:38:56.000 But, yeah, so my biggest question is, so I have about $8,000 of credit card debt.

00:39:01.000 I have $3,000 on a Capital One Platinum card, and I have $5,000 on a Chase Sapphire Preferred.

00:39:08.000 So should I do the snowball method to take off, like, all the debt?

00:39:13.000 So should I do...

00:39:14.000 Pay off the chase first, and then whatever I'm using to pay off the chase to roll it over into the Capital One to pay all that off, because I also have a car payment as well.

00:39:21.000 But that has been an issue in my entire life.

00:39:25.000 Yeah, which one has a higher interest rate?

00:39:28.000 I'm pretty sure the chase card does.

00:39:30.000 And there's $5K on that one, right?

00:39:32.000 So, $5K on that one, yeah.

00:39:34.000 And I'm making around $55K a year.

00:39:35.000 I'm a bartender, so I do pretty well in the city where I'm at and the bars that I'm working at, so...

00:39:42.000 Obviously not ideal money for where I want to be the rest of my life, but just moving back, my whole world crashed out of me.

00:39:49.000 Where are you living?

00:39:50.000 How old are you, bro?

00:39:52.000 I'm 26.

00:39:53.000 And where do you live?

00:39:54.000 You're probably in Texas somewhere?

00:39:56.000 Cleveland, Ohio.

00:39:57.000 Oh, you moved back.

00:39:57.000 Okay, you left Houston.

00:39:59.000 Yeah, I moved back.

00:40:00.000 I'm from Ohio originally.

00:40:02.000 Family's out here, and I moved out to Houston on a dream to go.

00:40:05.000 I was a videographer out in I was a freelance and then things kind of hit the fan for me.

00:40:11.000 The fitness niche is kind of dead when it came to fitness content.

00:40:15.000 So I kind of lost a lot of the market and then acquired a lot more debt because of it.

00:40:19.000 I've been telling people that too.

00:40:22.000 If you want to get into fitness YouTube, you need an accessory niche because fitness is a dead genre on YouTube nowadays.

00:40:30.000 I think people just don't care anymore.

00:40:31.000 I didn't care about the camera on me.

00:40:36.000 I didn't care about the camera on everybody else.

00:40:38.000 So, but yeah, the fitness realm is completely dead.

00:40:41.000 Um, I was offered to be a trainer there, but I, again, it wasn't, wasn't in the cards for me.

00:40:46.000 Okay.

00:40:47.000 So you think I should make the payments for the chase first and then move it onto the capital?

00:40:51.000 Yeah.

00:40:52.000 The other thing you can do too, bro.

00:40:54.000 Well, the other thing you can do, if your credit is somewhat decent, you can also roll that debt into another credit card.

00:41:01.000 That was my next question.

00:41:03.000 So I had a 790 when I was in Texas, and then when, obviously, with, like, acquiring all the debt, and my cards were basically maxed out from having to move back and traveling and everything, it tanked it down a lot.

00:41:15.000 So I'm sitting at, like, a 6...

00:41:18.000 I'm, like, at 630. 1.00

00:41:20.000 Shit. 1.00

00:41:20.000 Because I couldn't... 1.00

00:41:22.000 It took me three months to move back and forth, traveling back and forth, getting out of the weas, and the weas took a dink of my credit.

00:41:27.000 Yeah.

00:41:28.000 I'm having to break that early.

00:41:29.000 Are you with your folks?

00:41:30.000 Are you with your folks?

00:41:30.000 Do like a breakup.

00:41:32.000 So...

00:41:32.000 No, I'm not with my girl.

00:41:34.000 Your parents.

00:41:34.000 No, no, no.

00:41:36.000 Are you with your family?

00:41:37.000 Oh, yes, yes.

00:41:38.000 Good, good.

00:41:39.000 So this is a strategy.

00:41:39.000 All right, bro.

00:41:40.000 If I were in your shoes right now, right, this is what I would do.

00:41:43.000 I'll pick up another job and make more money.

00:41:45.000 55K, though you're in Ohio and that's not bad in Ohio, I would pick up another job and make more money, right?

00:41:51.000 And the good thing is with a bartender, it's fairly flexible.

00:41:53.000 You're probably working nights and weekends.

00:41:54.000 So pick up another job that you could work during the day. 0.98

00:41:58.000 Now, this is going to suck, bro, but you're going to have to grind and make as much money as you can because your number one objective is It's going to be to pay this debt off because this, you know, consumer debt on credit cards is absolutely going to fuck you up. 0.93

00:42:10.000 And you can see, look, it's dragged your credit down over 100 points. 0.96

00:42:13.000 So we need to get this down.

00:42:15.000 Now, the other strategy you can employ, right, to kind of make this a little bit better is you can go ahead and get another credit card that has maybe like a zero intro APR for a bit, and you can roll that debt over.

00:42:26.000 Now, there's certain credit cards that you can do this with.

00:42:28.000 I would do some research and figure out which card, because I can't think of one off the top of my head that is specific for this situation.

00:42:36.000 But you can absolutely go ahead and get another credit card.

00:42:39.000 Your credit score sucks right now, so you're going to have to probably get one of these shittier credit cards.

00:42:42.000 Well, if you go find one that will allow you to roll your debt over, which a lot of them do, and maybe have some kind of intro APR where you don't have to pay that balance, that will give you time to pay that money off. 0.96

00:42:53.000 And bro, the next six months, you need to be literally dedicated and devoted to paying that debt off, because this credit card debt is going to eat you alive and fuck you up and keep you away from a lot of opportunities if you don't get this under control now.

00:43:08.000 Because you're at this middle ground, right, where first it's like $3,000.

00:43:12.000 Then it gets to like $5,000. 0.99

00:43:13.000 Then it gets to once you break $10k, that's when shit can really start to spiral. 0.97

00:43:18.000 And you're right there at that cusp, bro. 0.98

00:43:19.000 If you don't fix this now, this is going to drag on for years, bro.

00:43:23.000 Drag on for absolute years, and you're already probably starting to notice this.

00:43:26.000 I just had Rocket Money actually just showed me a thing, because I used Rocket Money to do some budgeting, and it showed I paid over like $600 worth of interest, and that like woke me up, and then I saw you guys were having a call-in show, and I had to call and get some advice, just because I did not know where to go from here, because...

00:43:39.000 The credit card companies, bro, they don't want us having this conversation with you and paying the debt off, because they actually make money on interest the longer you sit there.

00:43:45.000 They want you to hold that balance, so they can just fucking collect interest, and you're not paying down your principal.

00:43:49.000 They beg how you're not paying. 1.00

00:43:50.000 They bank on that shit. 1.00

00:43:51.000 They want you to not pay at all. 1.00

00:43:52.000 By the way, there's some cards you can actually transfer your balance to.

00:43:56.000 Capital One's Quicksilver Cash rewards card.

00:43:58.000 You didn't qualify for that though?

00:44:01.000 His credit score is down.

00:44:03.000 I've had a Capital One card for, I think, going on six years.

00:44:08.000 I've had a good, you know, I've been good with them.

00:44:11.000 I've had an on-time payment.

00:44:12.000 I've never had a late payment before.

00:44:13.000 Yeah, with history, it might help you, but a more fair card you can use, which is kind of like, in your range, a City Rewards Plus card.

00:44:19.000 A 0% interest for 15 months, and APR is 28% once you've got to pay after that year.

00:44:25.000 And $0 annual fee.

00:44:27.000 And it's a fair amount to get that card.

00:44:30.000 What's the name of that card, William?

00:44:31.000 City Rewards plus card.

00:44:32.000 And he can roll it over?

00:44:34.000 City Rewards plus card.

00:44:35.000 Okay.

00:44:35.000 There you go, bro.

00:44:36.000 And these niggas aren't paying us. 1.00

00:44:38.000 Fresh is researching this for you right now.

00:44:40.000 Brother, it's very simple.

00:44:40.000 I appreciate it.

00:44:42.000 That means a lot.

00:44:43.000 You got this, bro.

00:44:44.000 We want you to win.

00:44:45.000 We don't want none of you guys to get crippled by debt, bro.

00:44:47.000 I'll tell you this, man.

00:44:48.000 When you pay off your debt, bro, it's like a weight lifted off your shoulders, bro.

00:44:51.000 You feel great.

00:44:52.000 You feel amazing.

00:44:53.000 You feel free.

00:44:54.000 And once again, niggas start investing money into assets that you want to invest into because you're free of debt. 1.00

00:44:58.000 You have money now in your pocket.

00:44:59.000 So step one, bro.

00:45:00.000 Pick up another job.

00:45:01.000 Step two, you're going to go ahead and try to get this credit card and do a balance transfer over. 0.99

00:45:08.000 And then you're going to aggressively pay this shit down. 0.99

00:45:12.000 Just because you're not accruing interest doesn't mean you're not going to pay it down. 0.99

00:45:15.000 We're just trying to stop the bleeding a bit where they're not killing you on interest rates.

00:45:19.000 That's why we want to roll it over.

00:45:21.000 Hopefully they allow you to do it.

00:45:22.000 If they don't, Fine.

00:45:23.000 Just pick up the other job and pay it down anyway.

00:45:25.000 But the point is that you need to pay this down aggressively, bro.

00:45:28.000 Set a deadline for yourself.

00:45:29.000 Three months, man.

00:45:30.000 Three months completely debt-free. 0.98

00:45:31.000 That means you're going to have to fucking work a lot. 0.98

00:45:33.000 It's going to suck and you're not going to spend money or be out having fun. 0.99

00:45:36.000 But it's fine, bro.

00:45:37.000 90 days, I need you to lock in and knock out this debt, bro. 1.00

00:45:39.000 Because this shit is going to fuck you up into your 30s if you don't take care of this now. 1.00

00:45:44.000 Yeah. 1.00

00:45:44.000 You want to buy a property? 1.00

00:45:45.000 You're literally staring at the abyss and you're right there about getting sucked in.

00:45:48.000 You want to get property, get a nice apartment, get something really nice for your family, get a nice car. 1.00

00:45:53.000 Bro, you're fucked. 1.00

00:45:54.000 You can't do shit, bro. 1.00

00:45:55.000 You won't be able to do shit, bro. 1.00

00:45:56.000 You have to handle this now. 1.00

00:45:57.000 And you're with your folks, which is good.

00:45:58.000 Don't be ashamed of it.

00:45:59.000 It's fine.

00:46:00.000 Take 90 days lock-in.

00:46:01.000 Alright?

00:46:02.000 I want you to call in in 90 days and you tell me I'm debt-free.

00:46:05.000 I'm the bartender that I used to work at Alpha Land.

00:46:09.000 So how much money would you say, once everything's paid off, how much money would you say Should you have to be able to move out comfortably into an apartment or buying your first house?

00:46:18.000 For you, bro, one year.

00:46:20.000 One year for you.

00:46:22.000 One year?

00:46:22.000 Okay.

00:46:22.000 You need one year of whatever it would cost you to live.

00:46:25.000 If you lost your income right now and you didn't have any money left, I would want you to not leave your parents' house until you have one year of savings.

00:46:32.000 That could take care of you.

00:46:33.000 Bro, how old are you?

00:46:34.000 26.

00:46:35.000 26?

00:46:36.000 I'm 26.

00:46:37.000 Okay.

00:46:37.000 Ohio.

00:46:37.000 That's cool.

00:46:38.000 So yeah, one year, bro.

00:46:39.000 So you're probably going to have to spend...

00:46:42.000 Two years with your folks, which is fine.

00:46:44.000 Nothing wrong with it.

00:46:44.000 You'll be out by 828.

00:46:45.000 You need to buckle down and grind, bro.

00:46:48.000 I'm serious. 1.00

00:46:48.000 No bitches, no alcohol, no partying, none of that shit. 1.00

00:46:53.000 I know you're a bartender. 1.00

00:46:55.000 You're going to be that bartender that doesn't do shots.

00:46:58.000 Just listen to me.

00:46:59.000 You're going to be that bartender. 1.00

00:47:01.000 Where they're gonna be like, oh yeah, do a shot with us, and you're gonna put water in your shit. 1.00

00:47:06.000 No alcohol for you. 1.00

00:47:07.000 Two years, bro.

00:47:08.000 Two years.

00:47:09.000 I already don't drink as is.

00:47:11.000 Good.

00:47:11.000 I just don't.

00:47:11.000 There's no point of it for me.

00:47:12.000 Good.

00:47:13.000 Good.

00:47:13.000 Bro, you're in a hole?

00:47:15.000 We just gave you the path to get out?

00:47:16.000 You can get out?

00:47:18.000 Right? 0.99

00:47:18.000 But if you don't fix this now, I promise you, you're going to be in debt into your fucking 30s because you're right at that fucking cusp right there, man. 0.99

00:47:25.000 Once you have 10K in debt, it's just going to spiral out and you won't be able to control it no more. 0.98

00:47:28.000 I'll tell you this, though.

00:47:28.000 The first step is to ask for help.

00:47:29.000 I want to call you guys just to get some information, just to get some help from you guys.

00:47:33.000 So I really appreciate you guys.

00:47:34.000 I don't want to help any other callers.

00:47:36.000 I want to make sure you guys can get everybody.

00:47:38.000 What's the name of that card one more time?

00:47:39.000 City Rewards Plus.

00:47:41.000 City Rewards Plus, bro.

00:47:42.000 City Rewards Plus, alright?

00:47:44.000 I would love to come down and help you guys out.

00:47:46.000 So...

00:47:47.000 All right, bro.

00:47:47.000 Fix that debt first, though.

00:47:48.000 All right, man.

00:47:49.000 Appreciate you.

00:47:49.000 Thank you, guys.

00:47:50.000 Love you, guys.

00:47:50.000 Appreciate it.

00:47:51.000 No problem, bro.

00:47:51.000 Cool.

00:47:52.000 Okay.

00:47:52.000 I'll tell you this, though.

00:47:53.000 The first step is recognizing that you're in debt and then addressing it full on.

00:47:55.000 The biggest step is calling in and being vulnerable like that. 0.99

00:47:58.000 It sucks, bro. 1.00

00:47:58.000 Looking at your accountant saying that, you're in debt, bro, sucks. 1.00

00:48:00.000 It sucks. 1.00

00:48:01.000 Big time. 0.99

00:48:02.000 I've been there.

00:48:03.000 I know what that's like. 1.00

00:48:05.000 Shit. 1.00

00:48:05.000 Who's up next? 1.00

00:48:07.000 You guys liking this format?

00:48:09.000 I think it's cool.

00:48:10.000 I think y'all liking this.

00:48:11.000 Some gems being dropped here.

00:48:12.000 Because some of y'all are probably in the same situation as some of these guys.

00:48:15.000 I'll tell you this.

00:48:15.000 Keep it a thousand with you.

00:48:16.000 If I didn't tell you this shit. 1.00

00:48:17.000 Yep. 1.00

00:48:18.000 That's what we call him right now.

00:48:19.000 Yep.

00:48:19.000 Or a big bro.

00:48:20.000 Yeah.

00:48:21.000 Or uncle.

00:48:22.000 And again, guys, 50 text-to-speech, FNFSuperChat.com.

00:48:26.000 If you're watching on YouTube, FNFSuperChat.com.

00:48:28.000 Go ahead and put the last four digits of your number.

00:48:30.000 We'll get you in.

00:48:30.000 If you're watching on Cast Club, tip there.

00:48:33.000 If you're watching on Rumble, Rumble Rant In, or FNFSuperChat.com, FNFSuperChat.com works for anybody, no matter how you're watching, whether you're watching on X or any of these platforms.

00:48:43.000 But, you know, obviously on Castle Club and Rumble, it's a bit easier to just do it right there on the app.

00:48:49.000 515-605-9740, guys, is the number to call.

00:48:52.000 We got Carlos Valencia who put his full phone number in there.

00:48:55.000 This is crazy. 0.99

00:48:55.000 God damn, my boy! 0.99

00:48:56.000 Okay. 1.00

00:48:57.000 Talk to yourself.

00:48:58.000 Alright, who's up next on the list, Mo?

00:49:00.000 Yo, why you do that, man?

00:49:01.000 2245, you're up.

00:49:03.000 2245. 0.90

00:49:04.000 I ain't calling you, but some weird nigga might call you. 1.00

00:49:05.000 Yeah, welcome to the Nick Ramsey Show. 0.87

00:49:07.000 We should be calling this the Nigga Ramsey Show.

00:49:09.000 Oh my god.

00:49:11.000 That's not marketed, bro.

00:49:12.000 Nah, nah, nah.

00:49:13.000 It's funny to us.

00:49:15.000 What if he's white? 0.99

00:49:16.000 Oh, these guys are niggas. 1.00

00:49:18.000 I don't want help from them. 0.99

00:49:19.000 Alright, go ahead, bro.

00:49:20.000 What's your...

00:49:21.000 You guys can hear me?

00:49:24.000 Yeah, we got you, bro.

00:49:25.000 Yeah, we got you.

00:49:26.000 Okay.

00:49:27.000 Yeah, I'm a big fan of the show.

00:49:29.000 My name's Devontae.

00:49:30.000 I'm from California, 28th.

00:49:32.000 Speaking on debt too, I'm 13k in debt right now.

00:49:35.000 I'm out here in Cali, but I've got a plan to pay it off by April.

00:49:38.000 But my biggest question right now is, I'm starting out a YouTube channel, and how do you guys do it starting out?

00:49:47.000 I know I'm not expecting to grow overnight, but what's the main thing you would say to start that business?

00:49:53.000 What's the main thing I need to prioritize, basically?

00:49:55.000 Is it the content?

00:49:56.000 What exactly is it?

00:49:57.000 Well, we don't know what you're going to make for content.

00:49:59.000 Yeah, what are you going to...

00:50:00.000 Oh, sorry. 0.98

00:50:02.000 Basically, just like a satire kind of channel making fun of all these woke lefties and shit like that.

00:50:09.000 Alright, so you're going to basically be like libs of TikTok on YouTube, essentially.

00:50:17.000 No, not like with the TikTok.

00:50:19.000 I don't think she does commentary. 1.00

00:50:20.000 I'm just going to be like roasting like Hassan and fucking eating client shit like that. 1.00

00:50:23.000 Yeah, so it's going to be a political commentary show. 1.00

00:50:25.000 Yeah, or slash culture.

00:50:27.000 Bro, that's a very...

00:50:28.000 Hold on, hold on.

00:50:29.000 You want to make money or you want to be right?

00:50:31.000 See, see, you can't really do both, my friend, unless you're like popping.

00:50:34.000 Like, bro, I'll keep it real with you.

00:50:36.000 The business angle of this, bro, you want to make money or you want to be right?

00:50:39.000 I'm asking you right now.

00:50:41.000 Which one do you want?

00:50:42.000 Um...

00:50:44.000 I would say I want to make good content, and if money comes, money comes.

00:50:47.000 Okay, so you don't care.

00:50:48.000 Awesome.

00:50:48.000 Well, go for it, my friend.

00:50:50.000 But keep in mind, brother, when you start...

00:50:53.000 Right-wing creators are significantly...

00:50:55.000 You'll be demonetized or heavily silenced or banned.

00:50:59.000 But do keep in mind, bro, bro, hopefully with the new Trump administration, that might change a little bit, but we don't know yet.

00:51:04.000 We're still waiting to see what happens.

00:51:05.000 But all in all, bro, it's simple.

00:51:07.000 You plan a schedule for content...

00:51:09.000 From A to Z. I would say, bro, is you plan three months in advance, if possible, have topics for each day, and do at least three times a week, at least.

00:51:18.000 We used to do Monday, actually, we used to do every single day, seven days a week, at the very beginning.

00:51:22.000 But, most people, you know, that's not actually going to be a thing for you.

00:51:26.000 So, at least three times a week, you can plan out, maybe the Tuesday, Thursday, Saturday, or Monday, Wednesday, Friday, whatever works for you.

00:51:32.000 You pick a topic for each day of that week.

00:51:34.000 Or, for example, videos to react to.

00:51:36.000 Now, Once that's done, and you start making videos, start doing clips as well.

00:51:41.000 So you do clips and videos as well on that channel, and then when you hit, like, let's say you hit, like, 50 to 100k, make a second channel for clips only.

00:51:48.000 Because you want to expand, once you get a fan base, to clips, because I feel like clips nowadays, bro, go further than any other videos because shorts and clips, or people digest mainly because right now, bro, Yeah,

00:52:17.000 if you're gonna be a right-wing creator Understand that you're gonna get suppressed on YouTube, you're gonna get banned on TikTok, you're gonna get...

00:52:26.000 Censorship is par for the course if you're right-wing, bro.

00:52:31.000 I'll tell you this, bro.

00:52:31.000 Most creators that try to do what we do, it's not going to work.

00:52:35.000 The policy that he just announced about free speech, or about, I guess, regulating Google, I'm kind of hopeful that you guys do.

00:52:41.000 It kind of affects you guys, too.

00:52:43.000 We got to see, brother.

00:52:46.000 It sounds good on paper, but in actual reality, bro, it happening in real time.

00:52:52.000 We don't know, man.

00:52:52.000 We don't know yet.

00:52:53.000 I'm not banking on it is what I'm trying to tell you.

00:52:56.000 I'm glad that Trump is in, but I'm not banking on people getting their channels back or getting re-monetized or any of that other stuff because it's tough, bro.

00:53:05.000 Anytime you make content that's right-wing, you're always going to get suppressed by whether it's the mainstream platforms, bro.

00:53:11.000 It is what it is, unfortunately.

00:53:13.000 And then also, you're going to have to grind, bro, because a lot of people make that kind of content, so you're going to have to really fight to get noticed because it's a saturated market, man.

00:53:22.000 But in short, three things.

00:53:23.000 Do you already have a social media platform or no?

00:53:27.000 No, I just made it recently.

00:53:28.000 I just made the YouTube, the Twitch, and the Instagram.

00:53:30.000 But I have no followers, though.

00:53:32.000 Time to start it.

00:53:34.000 But bro, post everywhere.

00:53:35.000 TikTok, YouTube, Instagram, X as well.

00:53:39.000 And keep in mind, again, this is where you gotta...

00:53:43.000 You know what?

00:53:44.000 This is for everybody.

00:53:45.000 Content-wise, have a schedule.

00:53:45.000 Three things.

00:53:47.000 Number one.

00:53:48.000 Be consistent every single week.

00:53:49.000 Don't miss days.

00:53:51.000 Number two, have a plan of action.

00:53:52.000 To do collaborations because you by yourself are very smart at the very beginning.

00:53:57.000 We could pay for collaborations or, for example, have friends in the industry like us or somebody like that, and they collab with you in the future.

00:54:03.000 And then three, understand that this line of work does come at a cost.

00:54:07.000 And look, We're all about free speech, but guys, it comes with free content courses too as well.

00:54:11.000 So keep that in mind, in essence, because right now, guys, this type of content is very, very shadow ban on most platforms.

00:54:18.000 So that right there is going to be your main obstacle for this content creation, bro.

00:54:22.000 Just keeping it real. 0.99

00:54:24.000 Damn, yeah. 0.99

00:54:25.000 Yeah, I'm aware of that. 0.99

00:54:27.000 I mean, I do commercial real estate and I have a job that I do too.

00:54:30.000 So I'm just like, I just want to get involved in the sphere.

00:54:32.000 You know, I want to just basically just enter that realm now.

00:54:36.000 Well, if you are done for the course, bro, shout out to you, man.

00:54:39.000 Yeah, we just want to warn you.

00:54:41.000 I just wanted to warn you, like, because I'd be...

00:54:43.000 That is true that you mentioned that, Fresh, because we don't want you to get into this thing thinking you're going to make money, and then, like, you get demonetized, or they fucking take down your accounts and shit like that without us warning you.

00:54:52.000 So, you know, just keep in mind that that could happen as well, bro, right?

00:54:58.000 Yeah, yeah, thank you.

00:54:59.000 No problem.

00:55:00.000 Okay, who's up next?

00:55:03.000 Alright, we got...

00:55:05.000 2, 4, 8, 1, you are up.

00:55:07.000 That's so true.

00:55:08.000 Do you want to be right or do you want to make money? 0.98

00:55:09.000 That's so fucking true. 0.96

00:55:10.000 2, 4, 8, right, you are up. 0.99

00:55:12.000 2, 4, 8, 1, you are up.

00:55:15.000 Monos. 1.00

00:55:19.000 This nigga has a shit plan. 1.00

00:55:20.000 Yo, pause the video in the back, bro. 1.00

00:55:22.000 Please, if you don't mind.

00:55:23.000 And I know he can hear us.

00:55:26.000 This guy here?

00:55:27.000 Bro, we can hear you and your screen, brother!

00:55:31.000 Alright, move on to the next person.

00:55:33.000 Next caller. 1.00

00:55:34.000 He's gonna be like, damn. 1.00

00:55:35.000 Snicket, bro. 1.00

00:55:36.000 I missed the train.

00:55:37.000 Yo.

00:55:38.000 Well, he's gonna see now because he obviously has a show on playback.

00:55:40.000 Yeah.

00:55:40.000 Bro, unmute us in the back and then be ready on the phone, guys.

00:55:43.000 Alright?

00:55:44.000 Oh, he's up.

00:55:44.000 Okay.

00:55:45.000 Guys, by the way, when I speak sometimes, just lower the speed to like negative 2.5.

00:55:50.000 If I'm going too fast, my bad.

00:55:52.000 What's up next?

00:55:54.000 6283, you are up.

00:55:57.000 6283, you are up.

00:55:59.000 What's up, guys?

00:56:00.000 Can you guys hear me?

00:56:01.000 Yep.

00:56:01.000 That's your question, bro.

00:56:04.000 Alright guys, so I've been working my first sales job.

00:56:07.000 I just passed over a year.

00:56:08.000 As of now, I'm 23 and I have acquired the top salesman position.

00:56:13.000 W! Good.

00:56:14.000 As of my year to date.

00:56:16.000 Thank you guys.

00:56:17.000 How old are you, bro?

00:56:18.000 23.

00:56:19.000 What was that?

00:56:20.000 How old are you?

00:56:22.000 23.

00:56:23.000 Cool.

00:56:23.000 Awesome.

00:56:23.000 Go ahead.

00:56:25.000 So my year to date, as of now, I've just passed over six figures.

00:56:29.000 But this is my question.

00:56:31.000 I work in a non-luxury dealership right now, car dealership.

00:56:36.000 I have the opportunity to work at a Porsche dealership.

00:56:40.000 My question is, do I stick as a big fish in a little pond and stick where I'm at right now?

00:56:47.000 Or should I look to go to this luxury dealership?

00:56:52.000 Yeah, it's gonna be a little difficult to make money in the first couple months, but then long term, I could see More money, more connections with clients, and just a...

00:57:04.000 A higher level environment.

00:57:06.000 That's my question for you guys.

00:57:07.000 This is your wheelhouse right away.

00:57:08.000 A lot of times, guys, this choice is going to be based off your actual goals and what you actually want to achieve.

00:57:13.000 So let me ask you this, brother.

00:57:15.000 In this case, do you want to have multiple rich clients you could talk to, network with, and have collaborations?

00:57:21.000 Or do you want to stay in a small pond where actually you can have a hierarchy where you're at the top, but your clientele is going to be not that influential or affluent?

00:57:31.000 What do you want?

00:57:34.000 It's nice to make the money and be at the top, but I think I can be at the top wherever I go.

00:57:39.000 That's just the mentality I have.

00:57:41.000 The other point you brought is that the high-level clientele, I think that would be great to have in the future.

00:57:47.000 You and your networking, you know how important it is to have those connections.

00:57:52.000 I like to think the same way about that.

00:57:54.000 So, you just answered yourself, brother.

00:57:56.000 Now you know what you want to do.

00:57:57.000 But keep in mind, though, this is why I said to everyone, make two columns on a piece of paper, pros and cons of each choice, and then weigh them out to see what's better for you.

00:58:07.000 But you already told us what you want to do.

00:58:08.000 And I think for Portrait Stealth, bro, this brand is tested and true, and it's been there for years.

00:58:13.000 So Portrait Stealth, bro, is going to sell no matter what happens.

00:58:15.000 The thing is, though, is when we get the connections that have the, I want to say, advantage for your career is going to be important.

00:58:22.000 So, I would say, go to the dealership, look around, see what they're about, and just ask questions.

00:58:28.000 Hey, brother, how long have you been here?

00:58:30.000 Where are you from?

00:58:31.000 When did you start?

00:58:32.000 And you'd be surprised.

00:58:33.000 They'd be like, yo, bro, sign up.

00:58:35.000 I'll train you while you're here.

00:58:36.000 You find a mentor in that space, they train you, bro.

00:58:39.000 He probably already has a job lined up, though, is what it looks like.

00:58:41.000 You got a job lined up with Porsche?

00:58:43.000 I don't think so.

00:58:44.000 I do have a connection that could put me on and I think I'd kill the interview without a doubt.

00:58:50.000 Okay.

00:58:51.000 Well, in that case, bro, I don't see why not.

00:58:53.000 You think you should do it even with the car market down like this?

00:58:55.000 100%.

00:58:56.000 Because the thing with that clientele, Porsche is Porsche. 0.65

00:58:59.000 So no matter what happens...

00:59:00.000 Okay.

00:59:01.000 By the way, crypto's up.

00:59:02.000 So what's going to happen?

00:59:04.000 More cars are going to sell.

00:59:05.000 When the market's down, people don't really buy.

00:59:07.000 When it's going up, people buy all the time.

00:59:08.000 But that clientele, guys, has money forever.

00:59:11.000 So they're not going out of business anytime soon.

00:59:13.000 Okay.

00:59:13.000 Yeah.

00:59:14.000 All right.

00:59:14.000 So there you go, bro.

00:59:15.000 Sounds good.

00:59:16.000 And I also have one more question...

00:59:19.000 Kind of tying in with that is more about investments.

00:59:22.000 I have about $60K in a high-yield savings account from this one year of grinding.

00:59:27.000 I do live at my parents' house, so I'm blessed because of that, and I don't have to pay rent as of now.

00:59:33.000 How would you split your income into either what goes into a savings account or what goes into investing?

00:59:42.000 Percentages you guys would give me at the top of your head real quick?

00:59:45.000 Invest as much as you possibly can.

00:59:47.000 If you can invest 50% or more of your income, bro, or save it, that's what you want.

00:59:51.000 I mean, you live with your parents, bro.

00:59:52.000 You should be able to put 80% away.

00:59:55.000 Got it.

00:59:57.000 That should be your goal.

00:59:58.000 80% goes immediately into some type of asset class that will make you money back.

01:00:07.000 All right.

01:00:08.000 Got it, man.

01:00:08.000 Cool.

01:00:09.000 Thank you.

01:00:09.000 Thank you, Meyer and Fresh.

01:00:10.000 I appreciate you guys.

01:00:11.000 All right, man.

01:00:11.000 You're on a good path, bro.

01:00:12.000 23 years old already killing us.

01:00:13.000 So let us know how the Porsche thing goes, all right?

01:00:15.000 But before you make that jump, bro, the money you've made, bro, just stock it to the side.

01:00:20.000 And if you can, like I said before, find a mentor in there that you probably already did.

01:00:24.000 Asking questions, get the full breakdown, what it's like working there, and then go for it, bro.

01:00:28.000 Because I'll tell you this, bro.

01:00:29.000 The clientele that you meet over there can introduce you to making investments, different events, and even give you a job themselves.

01:00:36.000 You never know, bro.

01:00:37.000 If they like you especially, you're likable, you can go very far.

01:00:41.000 All right.

01:00:42.000 Appreciate that, Fresh.

01:00:42.000 I appreciate you, boys.

01:00:44.000 Thank you guys so much.

01:00:44.000 Shout out to you, bro.

01:00:45.000 No worries, bro.

01:00:46.000 Who's up next?

01:00:48.000 I love cars, man, but God, they're expensive. 0.99

01:00:50.000 Goddamn. 1.00

01:00:51.000 Holy shit, dude. 1.00

01:00:52.000 248. 0.99

01:00:53.000 Still driving my Honda, man.

01:00:56.000 Yeah.

01:00:56.000 But networking-wise, it does give it a benefit.

01:00:59.000 Let's try this again.

01:01:00.000 2481, you are up.

01:01:02.000 2481, you are up.

01:01:05.000 Go on, bro.

01:01:05.000 Can y'all hear me?

01:01:06.000 Yep.

01:01:06.000 Shout out to you, bro.

01:01:07.000 Yep.

01:01:08.000 All right.

01:01:09.000 I am a longtime viewer of the show.

01:01:12.000 I really love you guys.

01:01:13.000 Turning 24 next month.

01:01:16.000 Myron, I hope you got your notepad ready because this is kind of a detailed question.

01:01:22.000 I am $100,000 in debt.

01:01:26.000 I'm living at home currently.

01:01:30.000 It's student loans.

01:01:31.000 I'm the pilot, so I paid for college myself.

01:01:35.000 So I'm living at home currently, making about $100,000 a year, except for, here's the thing, I'm on leave right now, so I'm not actually flying, but once I get back in the swing, That's what it'll be.

01:01:49.000 Let's talk about this debt real quick.

01:01:51.000 You said a student loan debt.

01:01:54.000 Who controls your debt right now?

01:01:56.000 Is it probably Navient?

01:01:58.000 Or is it probably Sallie Mae when you took it out?

01:01:59.000 Or who controls it now?

01:02:02.000 It's actually a private loan.

01:02:04.000 It's a private loan, so it's 6.6% interest.

01:02:07.000 Okay.

01:02:08.000 It was a private student loan, because that's kind of low, so that would be kind of for a student loan.

01:02:12.000 So it wasn't like government or anything else like that, private loan.

01:02:15.000 The whole $100,000, you took it for school?

01:02:19.000 Yeah, yep.

01:02:19.000 It was all used for school to get my bachelor's degree and flight ratings.

01:02:23.000 Okay.

01:02:24.000 Who do you work for right now?

01:02:25.000 Is it a government entity or not?

01:02:28.000 No, I work for a company.

01:02:31.000 We fly for actually all major airlines.

01:02:32.000 So it's one of the regional companies, an airline.

01:02:36.000 Commercial.

01:02:37.000 It's like Delta, United, Alaska, those guys.

01:02:39.000 Okay, and that wouldn't qualify under public service, right?

01:02:44.000 Ooh, that's actually a good question.

01:02:47.000 I should write that down.

01:02:48.000 See where I'm going with this?

01:02:50.000 Because here's the thing, there's something called public service loan relief, right?

01:02:57.000 For people that have a job in government and or for the state.

01:03:02.000 So I don't know if the agency that you work for would qualify under that.

01:03:07.000 Maybe not because it's probably a private entity.

01:03:09.000 But if you have public service and you make payments for 10 years that qualify, the rest of your loan is forgiven.

01:03:19.000 If you're a public service, what are they called public service?

01:03:21.000 Like repayment?

01:03:22.000 Yeah, 10 years of basically 365 payments, or 360 payments, 10 years of...

01:03:29.000 365, whatever.

01:03:31.000 Either way, 10 years of payments on time, qualifying payments will allow you to get the rest of your loan forgiven.

01:03:39.000 But I don't know if that would qualify.

01:03:41.000 PSLF, someone put in the chat.

01:03:43.000 Okay.

01:03:44.000 But it's got to be a federal loan.

01:03:46.000 Oh, yeah, you're right.

01:03:47.000 They said your loan must be a federal loan.

01:03:48.000 Yeah, yeah, yeah, you're right.

01:03:51.000 Well, you're earning $100,000 per year.

01:03:53.000 What's your monthly payment like?

01:03:56.000 So the minimum payment is only $1,000 a month.

01:03:59.000 And so I've been trying to do that and then save.

01:04:02.000 I've got a high-yield savings account.

01:04:04.000 So that 4.5% interest that you make a year is really bringing that 6.6%.

01:04:11.000 Um, off the student or off the student loans down to really like 2%.

01:04:15.000 So I'm trying to pay the minimum payment and then save like another thousand dollars a month.

01:04:21.000 Um, and so I can get, you know, some kind of asset and get moved out.

01:04:25.000 But that was where, you know, I was relaying this question to her parlaying too, is when do you think would be a good time for me to move out?

01:04:32.000 Cause right now, man, I'm really just paying a car payment and then the student loans, like the only, and then obviously like, you know, some food here or there, whatever.

01:04:39.000 Bullshit, but that's really my only obligation is like a car payment and then the student loan. 0.92

01:04:46.000 Yeah, man. 1.00

01:04:47.000 I would say stay at your folks' house as long as you can, bro, and see if you can.

01:04:50.000 So you got two options.

01:04:51.000 I see what you're doing here.

01:04:52.000 You're putting money into a high-yield savings account because you look at it like you're going to make some money back and then you'll be able to.

01:04:58.000 So let me ask this.

01:05:00.000 Are you putting this money into this high-yield savings account on the hope and premise that it's going to be returning and you're going to take that money and use it to do a lump sum payment on your loan?

01:05:13.000 No, I'm thinking, I was thinking to acquire like a duplex or something after, you know, however long it takes to save a good amount, to put the 3% down, house hack it, and then have enough for, obviously, reserves, right?

01:05:27.000 In case anything went wrong with the property.

01:05:31.000 Okay, so what's your plan to pay this thing off?

01:05:33.000 Just make monthly payments for the rest of your life and just have it be another bill?

01:05:38.000 Or were you planning to acquire a real estate asset, let the equity build in it a bit and then take that equity and then dump it into this loan and get rid of it?

01:05:46.000 What's your strategy?

01:05:48.000 Yeah, so the thing with aviation, as you know, you can easily make $300,000 and I'm probably about five to seven years off of making $300,000 plus a year.

01:05:58.000 And so basically make minimum payments on the loans for let's just call it five years then stack the other thousand bucks a month till I can get a property and then He's basically kind of giving us his strategy on what he wants

01:06:28.000 to do.

01:06:29.000 Look, that's a way that you could do it.

01:06:31.000 You could do it that way.

01:06:34.000 Because basically what he's saying is that he makes only $100K right now.

01:06:37.000 That's not enough to knock off this $100K loan.

01:06:39.000 He wants to make more money, put money into Sammy's account, buy property, and then live in that property.

01:06:49.000 Here's the thing, bro.

01:06:50.000 You're going to make more money But are you going to be able to aggressively pay down your debt like you think you will be?

01:06:54.000 You probably won't be able to, because remember, your costs are going to come up.

01:06:57.000 Yeah, you'll make more money, but your costs are going to come up.

01:06:58.000 So you're going to be pretty much a square one.

01:07:01.000 Like you are now.

01:07:03.000 If I house hack it, though, if I get the property and house hack it, then not really, right?

01:07:07.000 Because then I'm not really paying to live there. 0.99

01:07:10.000 Okay, but let me ask you this, because a lot of people say they're going to do this shit. 0.99

01:07:13.000 You're going to be making $300,000 per year. 0.99

01:07:14.000 Are you willing to go ahead and put your money into a house and then live like you make only $50,000 to $100,000 per year?

01:07:20.000 Are you going to actually commit to that?

01:07:22.000 Because that's what's going to end up happening. 0.99

01:07:23.000 Yeah, you're going to live in a house, but it ain't going to be some fucking mansion. 0.99

01:07:26.000 You're probably going to live... 0.99

01:07:27.000 You're going to buy a car?

01:07:28.000 You're going to buy a duplex or a triplex?

01:07:30.000 Yeah.

01:07:30.000 You're going to have to fix it up.

01:07:32.000 It's not going to be in the best area a lot of the time so that you can get it at a good affordable price.

01:07:35.000 You're going to have to live in it for a year.

01:07:36.000 You're going to have tenants and you're going to have to deal with them.

01:07:39.000 Are you prepared to make that sacrifice and live like that for a year or two?

01:07:44.000 I would live like that for longer because that's why I love you guys.

01:07:47.000 I grew up with single moms. 1.00

01:07:51.000 Where do you live?

01:07:52.000 What state are you in and city?

01:07:55.000 I'm in Austin.

01:07:57.000 Okay, so what, you're gonna pick up a house somewhere like in New Braunfels or some shit like that?

01:08:02.000 Uh, Del Valle, actually.

01:08:03.000 Close to the airport. 0.96

01:08:05.000 Alright, well, whatever you do, just make sure, cause you live in one of the most inflated real estate markets in the fucking country right now, in Austin, Texas. 0.98

01:08:11.000 So, um, and who knows what the fuck is gonna be in a couple years from now when you actually try to procure yourself a house. 0.96

01:08:16.000 So, just try to find it a good deal. 0.96

01:08:18.000 That's not a bad plan, though.

01:08:19.000 It's not a bad plan.

01:08:21.000 I mean, yeah, yeah, you're just gonna, like, the thing is, bro, your strategy can work.

01:08:24.000 It's just, you're gonna have to be super fucking disciplined, dude.

01:08:27.000 I'll say this, guys.

01:08:27.000 My strategy works because if you don't spend a lot of money, bro, and you save it and invest it, you're going to win.

01:08:32.000 Yeah, but you're going to have to live...

01:08:34.000 And the rents, actually, the rents, too, here have been coming down, actually, because, like you said, there's so many places to live here that they're actually starting to come back down.

01:08:42.000 You guys are going through what Florida's going through.

01:08:43.000 You guys are going through a correction just like us.

01:08:45.000 Because Austin was an even hotter market than South Florida.

01:08:48.000 So, yeah, bro, that strategy could work.

01:08:51.000 Like I said, just focus on making as much money as you can.

01:08:53.000 Save as much money as you can right now with your family.

01:08:55.000 Make the payments.

01:08:57.000 $8,352.

01:08:59.000 And then you can go ahead and pick up that house.

01:09:02.000 And then hopefully also, the equity that you're going to build from having that house, that will also allow you to make maybe a big lump sum payment and pay off all your... 0.90

01:09:11.000 Yeah, you can pull it out on a heel lock or some shit.

01:09:14.000 The final question I have for you, Myron, on this is, would you consider... 0.84

01:09:17.000 Because like I said, I'm going to be only 24 next month.

01:09:18.000 Would you consider giving away five years here from 24 to 29?

01:09:22.000 because, like, my mom literally said, like, hey, you could be at home until you get out of student loan debt.

01:09:26.000 Would you consider doing that just to get out of student loan debt before moving out, and that way I move out?

01:09:31.000 Like, I sacrificed my 24 to 29, but then I come out at 30 with, should I have over 100 grand in the high-yield savings account debt-free?

01:09:38.000 Like, I'll hit the open market at 29. 0.87

01:09:40.000 Bitch, I'm rich, and I'm fine, and I'm strong. 1.00

01:09:43.000 Like, what the fuck is that? 1.00

01:09:45.000 Yeah, bro. 0.99

01:09:46.000 Absolutely do that.

01:09:47.000 Absolutely do that, man.

01:09:48.000 Your 20s are literally a building block so that you can live a better life in your 30s and 40s, bro.

01:09:53.000 Yes, absolutely.

01:09:54.000 I didn't get out here to Miami until I was damn near 30, and I didn't really start living life until I was about 30 years old.

01:09:59.000 So yeah, bro.

01:10:00.000 Absolutely do it.

01:10:01.000 Sacrifice and grind.

01:10:02.000 Pay down that debt as aggressively as you can, whether you want to do it through making the monthly payments or by doing a lump sum payment by you putting a bunch of that money into this high-yield savings account and then pulling it out later to make a payment.

01:10:12.000 Whatever it is, just stay at home as long as you fucking can and knock this debt down, right?

01:10:17.000 Okay. 0.96

01:10:17.000 And that 6.6 is locked, right? 0.96

01:10:21.000 Yes, sir.

01:10:22.000 Not changing.

01:10:23.000 Alright, not the worst.

01:10:24.000 Not the worst.

01:10:25.000 That's a good plan.

01:10:26.000 Yeah, it's not the worst.

01:10:28.000 And then also keep in mind, when you get that property, you can also do a cash out refinance if rates come down.

01:10:33.000 Let's say you can do a cash out refinance at 3%, 4%.

01:10:35.000 Well, that's better. 0.90

01:10:37.000 Then it might make sense for you to go ahead, take that cash out, pay your fucking debt down, and you're paying a 3% interest rate versus a 6% interest rate. 0.97

01:10:46.000 Does that make sense? 0.99

01:10:48.000 So using real estate to help deal with your fucking student loan debt might be the way to go. 0.97

01:10:52.000 Because real estate debt, a lot of times, is going to be a bit more competitive. 0.98

01:10:56.000 6 isn't terrible.

01:10:58.000 6.6 isn't terrible, especially on a private loan.

01:11:00.000 But yeah, dude.

01:11:02.000 Alright?

01:11:03.000 Thanks for the sauce.

01:11:04.000 Appreciate it.

01:11:05.000 No worries, bro.

01:11:05.000 Alright, let's get to the next person.

01:11:07.000 Any paid callers?

01:11:09.000 These all have been paid callers.

01:11:12.000 Because it's almost time for Deep State.

01:11:14.000 Yeah, we're not going to go until 10 for the news.

01:11:16.000 Cool.

01:11:17.000 We got a little bit of time.

01:11:18.000 But yeah, someone sends a TTS in.

01:11:20.000 He's actually in here.

01:11:21.000 Okay.

01:11:22.000 Let's go.

01:11:22.000 TTS nigga, what's up?

01:11:24.000 8352, you are up.

01:11:26.000 8352, you are up.

01:11:27.000 This is a good show, man.

01:11:28.000 Calling a show.

01:11:29.000 Yeah.

01:11:29.000 For Money Mondays.

01:11:30.000 Yeah.

01:11:31.000 I'm telling you, man.

01:11:32.000 No, no. 1.00

01:11:33.000 That nigga's white, bro. 1.00

01:11:34.000 We're not like him. 0.99

01:11:35.000 We're different.

01:11:35.000 We got to call it the nigga-lation something.

01:11:38.000 Okay, no. 0.98

01:11:39.000 Let's leave nigga out of it. 1.00

01:11:40.000 Let's call it... 1.00

01:11:41.000 Black. 0.93

01:11:42.000 Hold on! 0.98

01:11:42.000 I got it! 0.98

01:11:43.000 Black Money Mondays.

01:11:45.000 We're not black, though.

01:11:46.000 That's better.

01:11:47.000 According to them.

01:11:48.000 Okay, how about...

01:11:50.000 I was going to sit with everybody.

01:11:51.000 Alright, go ahead, bro.

01:11:52.000 I hear you're on the line.

01:11:56.000 Hey, Myron Fresh.

01:11:57.000 How you guys doing?

01:11:57.000 What's up, man?

01:11:58.000 What's up, bro?

01:11:59.000 What's your name and where you from?

01:12:00.000 Give us a name for this show, man.

01:12:01.000 And age.

01:12:02.000 Hey, my name is Raj.

01:12:04.000 I'm 26.

01:12:05.000 I'm out here in California.

01:12:07.000 Your name is Raj?

01:12:09.000 Hey man, quick question.

01:12:11.000 So, like I said, I'm 26.

01:12:13.000 I watched your guys' episode with Miguel and Charlie.

01:12:16.000 I invested in cryptos, man.

01:12:18.000 And now my portfolio is like six figures.

01:12:21.000 W, bro!

01:12:22.000 I just want to say thank you.

01:12:24.000 Yeah, I just want to say thank you.

01:12:25.000 His name is Rajneet. 0.99

01:12:29.000 You can't make this shit up, man. 1.00

01:12:31.000 Nigga's name is literally Rajneet. 1.00

01:12:33.000 Hey, do you want a cassation?

01:12:36.000 Nah, nah, nah, nah. 1.00

01:12:37.000 Darn it. 0.99

01:12:37.000 Okay, cool, never mind. 0.99

01:12:38.000 I need some coconut water, bro.

01:12:41.000 But yeah, so congratulations on your six-figure portfolio, bro.

01:12:44.000 That's a big feat, my friend.

01:12:45.000 Congratulations on that.

01:12:46.000 Good job, bro.

01:12:46.000 I'm glad that you took action when you did with the crypto.

01:12:48.000 Thank you to you guys, man.

01:12:50.000 Awesome.

01:12:51.000 Caller, I remember when people said, you guys are scamming us, bro.

01:12:55.000 Crypto's dead.

01:12:56.000 And we told you guys, listen, we're going to tell your experts. 1.00

01:12:59.000 They've been doing this shit for years. 0.99

01:13:00.000 They predicted a loss that came through. 1.00

01:13:02.000 And the course is very extensive, guys.

01:13:04.000 You get to learn what coins to buy, when to sell, when to actually buy these meme coins.

01:13:08.000 And if you do it correctly, what he did, six figures in your account.

01:13:11.000 Boom.

01:13:11.000 So Raj, what's your question, bro?

01:13:14.000 Hit us.

01:13:14.000 Go ahead.

01:13:15.000 Do you guys think I should pull that money out and reinvest in a house?

01:13:21.000 Because, like I said, I'm 26.

01:13:22.000 I already have four houses.

01:13:24.000 I watched you guys this episode with BiggerPockets.

01:13:27.000 Man, I followed that step by step, you know, use the house hacking method.

01:13:31.000 So I was able to buy four houses.

01:13:33.000 Come on.

01:13:34.000 Thanks to you guys, man.

01:13:38.000 Thanks to you guys.

01:13:40.000 You see what happens, bro?

01:13:41.000 We do Money Mondays.

01:13:42.000 Niggas are like, oh, bro, you don't get views on this show, da-da-da. 1.00

01:13:45.000 We follow the Money Mondays that we do, take the advice, and actually implement it, bro.

01:13:49.000 Six-figure portfolio for real estate properties. 0.99

01:13:52.000 Let's fucking go. 0.99

01:13:52.000 So when niggas say, oh, bro, we can't afford CC Premium or CC, you don't follow the advice, bro, because if you did, you'd make money right now. 0.99

01:13:59.000 Yeah, that's just off the free advice, too.

01:14:01.000 Yo, so this is what you do, bro.

01:14:04.000 Don't touch your crypto.

01:14:06.000 Let it stay.

01:14:07.000 Don't touch your crypto, bro.

01:14:09.000 Alright?

01:14:10.000 That's my advice to you.

01:14:12.000 It's gonna keep pumping for over the next four years.

01:14:15.000 Don't touch it.

01:14:16.000 Also, I would verify when Miguel and Charlie went to sell or went to buy.

01:14:19.000 Yeah, especially if you got...

01:14:22.000 Are you mostly in Ethereum and Bitcoin?

01:14:25.000 It's mostly Ethereum, but I have a little bit of Bitcoin, but I would say 80% Ethereum, 20% Bitcoin.

01:14:32.000 Yeah, don't touch it, bro.

01:14:34.000 Let it keep pumping, man.

01:14:35.000 Let it keep pumping.

01:14:37.000 Just take that income that you make.

01:14:40.000 If anything, pull equity out of your houses to get another house, but don't touch your crypto, bro.

01:14:44.000 Let it sit.

01:14:46.000 Let it sit, okay.

01:14:47.000 I mean, the funny thing is, I didn't have to get in the course.

01:14:49.000 I just re-watched all the episodes you guys did with Miguel and Charlie, and There you go.

01:14:56.000 Free advice, by the way.

01:14:57.000 Thank you so much, you guys.

01:14:58.000 No, man, I'm happy to hear that, bro.

01:15:01.000 I've thought myself, I've looked at my portfolio and I'm like, damn, I could go get a house.

01:15:04.000 No, man, let us sit there, bro, especially since you're in two asset classes that are very powerful, Bitcoin and Ethereum.

01:15:12.000 Because those are going to be what I call the guardrails, the training wheels for the whole crypto push.

01:15:18.000 So, no man, keep your money.

01:15:19.000 Let it sit there.

01:15:20.000 It's going to keep pumping up.

01:15:21.000 It's going to keep going up.

01:15:22.000 Hold, right? 1.00

01:15:24.000 Diamond fucking hands in this case. 0.99

01:15:26.000 And if you want to go ahead and procure another house, take some equity out of that real estate instead. 0.99

01:15:31.000 Whether it's through a cash out refi or a home equity line of credit.

01:15:33.000 And pick up another house.

01:15:34.000 But don't touch your crypto.

01:15:35.000 Let it sit there, alright?

01:15:37.000 Don't touch it.

01:15:38.000 Thank you, man.

01:15:38.000 Alright, man.

01:15:39.000 And for all you guys' viewers, man, go back and watch the episodes they did with BiggerPockets.

01:15:44.000 It's a gem.

01:15:45.000 Hey, man.

01:15:46.000 We got you, bro.

01:15:46.000 I appreciate that, my friend.

01:15:48.000 Hey, man.

01:15:49.000 WBG in the chat, bro.

01:15:50.000 WBG. Thank you for calling into the show, bro.

01:15:50.000 Yeah, shout out to you, man.

01:15:54.000 Who do we got up next?

01:15:56.000 Did he donate again?

01:16:00.000 Who do we got up next?

01:16:01.000 How old is he again?

01:16:03.000 26, bro.

01:16:04.000 What does he do for a living?

01:16:06.000 I didn't ask him what he did for a moment.

01:16:08.000 Yeah, what do you do?

01:16:11.000 Oh, bro, I work at a healthcare facility.

01:16:13.000 I'm a patient care technician, so there's a lot of overtime.

01:16:17.000 And then, like I said, I watch you guys' Money Mondays.

01:16:21.000 And, man, just following your guys' advice, trying to follow in Myron's footsteps.

01:16:26.000 Hey, nigga, what about me?

01:16:26.000 Awesome, bro.

01:16:27.000 I'm too black for you, bro? 0.92

01:16:29.000 Hey, you too, Fresh. 0.99

01:16:29.000 Come on, man. 0.99

01:16:30.000 Hey, man, you get a lot of hate, man, but people really underestimate how much value you bring to the show, man, especially on, I think, Money Mondays and Womanizer Wednesday.

01:16:38.000 That's where you really shine, man, because I follow your advice on, like, Instagram and stuff.

01:16:42.000 Yeah.

01:16:43.000 It really helps. 0.99

01:16:44.000 Listen, bro, I know you don't know me that well, but what I like is ass and money. 0.99

01:16:51.000 That's it. 0.99

01:16:51.000 And cars, too. 0.99

01:16:52.000 You know what I'm saying? 0.98

01:16:53.000 I'm true to myself as a nigga. 0.96

01:16:56.000 Alright. 0.93

01:16:57.000 Who's up next?

01:16:59.000 Thanks, bro.

01:16:59.000 Thanks, Raj, for calling again.

01:17:01.000 Who do we got next?

01:17:04.000 9142, you are up.

01:17:06.000 Call me the BBL bully, man.

01:17:07.000 I'm out here.

01:17:09.000 9142, go ahead.

01:17:10.000 What's up, bro?

01:17:12.000 Can you hear me?

01:17:13.000 Yeah, we got you.

01:17:14.000 Welcome to the show, bro.

01:17:16.000 What's your question?

01:17:17.000 Hey, what's up, Iron?

01:17:18.000 So my question is, how would you go about moving to another state?

01:17:22.000 How old are you again?

01:17:23.000 How old are you?

01:17:24.000 And what's your name and where are you from?

01:17:27.000 I'm from Illinois right now.

01:17:29.000 I'm 21.

01:17:30.000 I have 50K saved up.

01:17:31.000 What's your name?

01:17:33.000 I'm trying to move. 0.99

01:17:35.000 Nigga, what's your name? 1.00

01:17:37.000 David.

01:17:38.000 Okay, David.

01:17:39.000 All right.

01:17:40.000 So 21, where are you trying to go?

01:17:42.000 You're trying to get out of Illinois?

01:17:44.000 Either Texas or Florida.

01:17:46.000 Okay, why do you want to leave?

01:17:50.000 I just feel like I'd have a better chance in those days.

01:17:53.000 Do you got a job lined up or anything?

01:17:54.000 What do you do there in Illinois?

01:17:57.000 I do remodeling on my own.

01:18:00.000 Okay.

01:18:01.000 Do you think you'll be able to find work in Florida or Texas doing remodeling?

01:18:06.000 Well, Florida, they just had a hurricane, so I think there'd be a lot of work there.

01:18:12.000 Well, okay, I mean, the thing is, bro, like, I don't want you to come out here and you don't have, like, a network or you don't have, like, jobs lined up because that 50k, you'll eat through it very quickly if you don't have, like, an infrastructure kind of set up while you come down here.

01:18:28.000 Yeah, bro.

01:18:29.000 Don't come over here.

01:18:30.000 I want you to have a plan.

01:18:31.000 So, like, if you want to move, that's fine.

01:18:33.000 I have no problem with you moving.

01:18:34.000 But your job that you have is kind of contingent upon having clients that know, trust, and know and trust you of your work.

01:18:41.000 So, like, you coming down here and doing remodeling, that's not like it's an easy job to do by yourself.

01:18:47.000 Like, that's going to require some legwork on your end to kind of, like, build a relationship with people.

01:18:52.000 So that might take a bit.

01:18:53.000 Yeah, Florida's full, bro.

01:18:55.000 Well, my plan would be to get a job, do modeling on the side, and then try to make money online.

01:19:01.000 But I want to go to one of those two states to do that.

01:19:05.000 Okay.

01:19:07.000 How about this?

01:19:08.000 I don't have a problem with what you get. 0.95

01:19:09.000 If you want to get the fuck out of Illinois, nothing wrong with that, right? 0.96

01:19:12.000 These blue states are all failing. 0.97

01:19:13.000 But all I'm saying is, you have 50k to your name, you're still young.

01:19:18.000 Like, try to obviously find a job, line it up before you move.

01:19:22.000 Don't come out here with nothing.

01:19:23.000 That's all I'm trying to say.

01:19:25.000 Have a job lined up.

01:19:26.000 Okay.

01:19:26.000 Do that job.

01:19:27.000 You could do the remodeling on the side.

01:19:28.000 Build up your repertoire, right?

01:19:31.000 Your portfolio of people that you helped, right?

01:19:34.000 Social proof.

01:19:35.000 And then I'm a little bit more comfortable with that. 0.99

01:19:39.000 Maybe pick up a job at maybe a Home Depot or some shit, bro. 0.98

01:19:42.000 That might help out. 0.99

01:19:44.000 We're off camera.

01:19:47.000 Okay.

01:19:48.000 Well, how would I know what area to, like, go to?

01:19:50.000 To, like, find a job there?

01:19:52.000 Well, it's wherever you get a job, bro.

01:19:55.000 Honestly...

01:19:55.000 Get a job at Home Depot or Lowe's, bro, because I'm sure when people there, like, they might need some remodeling, and you're like, hey, look, you can buy this.

01:20:02.000 Oh, by the way, on the side, I have a remodeling business.

01:20:04.000 Yeah, Segway.

01:20:05.000 Segway right there, bro. 0.99

01:20:06.000 And I suck, you working at Lowe's or Home Depot for a bit, but that's gonna be rightful fucking clients that you can talk to. 0.99

01:20:14.000 So anywhere in the state, big cities, or stay in the suburbs of big cities? 0.99

01:20:19.000 I'd say to keep your costs low, bro, try to stay in the suburbs.

01:20:21.000 Don't go to, like, a Tampa or Miami yet.

01:20:25.000 Okay.

01:20:27.000 Be 30 to 40 minutes outside of these major metropolitan areas.

01:20:30.000 You're close enough, but you're not, like, paying those crazy costs.

01:20:34.000 You know what job I miss, bro?

01:20:35.000 I miss doing Uber, you know?

01:20:37.000 Like in Miami, right?

01:20:38.000 You want to come to Florida?

01:20:39.000 You can do Uber too on the side.

01:20:41.000 That'll be another thing if you want to come out here.

01:20:44.000 Maybe I should do Uber again.

01:20:45.000 That'd be funny.

01:20:47.000 And record it.

01:20:47.000 I feel like back to my roots, man.

01:20:51.000 Back to your roots?

01:20:52.000 Yeah.

01:20:53.000 I think he'll get more love than roasts.

01:20:54.000 It's very humbling.

01:20:56.000 Alright, but yeah, bro.

01:20:57.000 Does that make sense?

01:20:59.000 Yeah, that makes sense.

01:21:00.000 Thank you, guys.

01:21:00.000 No problem, bro.

01:21:04.000 Uber.

01:21:04.000 Uber Fresh.

01:21:06.000 Who do we got up next?

01:21:09.000 1616.

01:21:10.000 You are up.

01:21:11.000 1616.

01:21:11.000 One of the guys that he makes.

01:21:12.000 2K a week doing Uber.

01:21:14.000 Yo.

01:21:15.000 I'm telling you, bro.

01:21:16.000 What's up, man?

01:21:18.000 What's up?

01:21:19.000 So I just wanted to tell you guys about the situation I'm in and see if you can help because I know you guys are both landlords.

01:21:26.000 So I just got into the restaurant industry.

01:21:30.000 I actually had prior experience about I got into it, and I'm paying about $2,000 a month for rent, and I have been in it for about seven months.

01:21:42.000 And I had an incident to where, like, I had someone attempt to break in, and it just hasn't been the best decision.

01:21:52.000 You know, sales, they're all right, and the area isn't that well.

01:21:56.000 And also, on top of that, I've been working somewhere else Full-time and making a steady income over there.

01:22:04.000 So it just hasn't been, you know, worth it for me anymore.

01:22:07.000 But the issue is I signed a three-year lease, right?

01:22:12.000 And I just wanted to know if you have any advice or anything on how I can possibly break the lease or I don't know how that works.

01:22:21.000 Okay, so how are you only paying $2,000 to run a restaurant?

01:22:26.000 I'm sorry?

01:22:26.000 Where do you live?

01:22:29.000 I live in Ohio.

01:22:31.000 Okay.

01:22:33.000 And, like, I'm assuming you're renting from a landlord and running a restaurant out of this place?

01:22:38.000 Yes.

01:22:39.000 Okay.

01:22:40.000 Yeah, that's pretty...

01:22:42.000 Okay.

01:22:43.000 Wait, so you almost got robbed?

01:22:46.000 Yeah, like, it was some guy came up asking for stuff, and we denied him service, and he just came and, you know, started trying to break the door and stuff, so...

01:23:00.000 You have insurance, right?

01:23:03.000 Yeah, but he didn't break anything.

01:23:07.000 Okay, let me guess.

01:23:09.000 You don't like the area.

01:23:10.000 It's not safe.

01:23:11.000 You want to get out of there.

01:23:13.000 Right.

01:23:14.000 I signed a three-year lease.

01:23:16.000 Landlord, say.

01:23:19.000 I told the landlord I'll try to sell it, and if it doesn't sell, by the end of this month, then we have to figure something out.

01:23:26.000 And he said, okay.

01:23:28.000 But I don't know how commercial leases work.

01:23:32.000 Like, how I can break the contract?

01:23:34.000 Do I have to call an attorney?

01:23:35.000 Is there no other option?

01:23:36.000 Can I mutually...

01:23:37.000 So here's the thing, bro.

01:23:38.000 Every state is different, and obviously this is a...

01:23:41.000 I'm assuming this is a...

01:23:42.000 What is this, like a plaza that you're renting from this guy?

01:23:44.000 It's like a...

01:23:45.000 What kind of space is this?

01:23:50.000 Say that one more time.

01:23:51.000 What kind of space is this?

01:23:53.000 Is it like a plaza that you're running your restaurant out of?

01:23:53.000 I'm assuming it's like...

01:23:57.000 Like, what kind of commercial space is this?

01:24:01.000 It's like a walk-up.

01:24:03.000 It's like drive-through only.

01:24:06.000 Interesting.

01:24:07.000 Okay, so it's only drive-through.

01:24:09.000 So how did this guy walk into your place?

01:24:13.000 No, no, he didn't walk in.

01:24:14.000 He came to the window and he tried to kick the back door down.

01:24:20.000 Are you in Cleveland or something?

01:24:21.000 Where are you at in Ohio?

01:24:24.000 No, no, no.

01:24:25.000 I live in Ohio, but the restaurant's in Michigan.

01:24:27.000 I drive to Michigan.

01:24:30.000 Where is it in Michigan?

01:24:33.000 It's in...

01:24:34.000 What's the area?

01:24:37.000 Taylor.

01:24:39.000 Okay.

01:24:41.000 So, bro, at this point, just what I would say, bro, like, right now, bro, you're supposed to, the landlord is, give you, like, a somewhat resolution to where, if it doesn't sell, you guys can work it out?

01:24:50.000 When he says sell, what do you mean?

01:24:52.000 Sell your business or sell, like, the lease to someone else?

01:24:57.000 Yeah, sell the lease to someone else.

01:24:58.000 Alright, how much are you generating at this restaurant per month?

01:25:08.000 Gross. 0.98

01:25:13.000 Bro, if you want us to help you, you need to be transparent about everything, otherwise we can't fucking help you. 0.98

01:25:21.000 Alright, so we're gonna ask you questions. 0.52

01:25:22.000 You know what?

01:25:24.000 Hey, you know what?

01:25:25.000 Yeah, alright.

01:25:26.000 There was some, I thought some people I knew would be watching, but that's it.

01:25:29.000 I'm just going to be transparent. 1.00

01:25:31.000 Yeah, because you're hiding shit. 1.00

01:25:32.000 The business is in Michigan. 0.99

01:25:34.000 It's an ice cream shop, and it's not a restaurant, but I thought some people I know would be watching, so I didn't want to.

01:25:40.000 I want to, you know, switch it up.

01:25:42.000 But I'm just going to be transparent. 1.00

01:25:43.000 Fuck it. 1.00

01:25:44.000 How much does it earn per month? 1.00

01:25:44.000 Okay. 1.00

01:25:45.000 So, in the summertime, we were making around 10k a month.

01:25:49.000 Okay.

01:25:50.000 Right?

01:25:50.000 And then now, we've been making around 6 to 7, 6, 5, 6, 7.

01:25:55.000 It's cold, obviously, so niggas don't want ice cream as much. 1.00

01:25:55.000 Okay. 1.00

01:25:58.000 Okay.

01:25:59.000 Right.

01:25:59.000 So, you're profiting maybe $2,000 or $3,000 a month?

01:26:03.000 Right.

01:26:04.000 Okay. 1.00

01:26:04.000 Damn. 1.00

01:26:06.000 Well, it's Ohio and Michigan. 1.00

01:26:08.000 Significantly cheaper.

01:26:10.000 No, no, no.

01:26:10.000 It's not Ohio.

01:26:11.000 I was capping, bro. 1.00

01:26:11.000 I thought people I knew was watching this shit. 1.00

01:26:14.000 Snicker, bro. 1.00

01:26:15.000 I get it.

01:26:16.000 I get it.

01:26:16.000 Yeah, I get it.

01:26:17.000 But it's like, bro, you got to be somewhat transparent so we can actually help you here.

01:26:20.000 Okay.

01:26:21.000 So basically, all right.

01:26:22.000 So you're Michigan.

01:26:23.000 But at the same time, I'm sorry to interrupt, but at the same time, I have basically a full-time job that I would get off early at, and I'll make around $5K a month from it.

01:26:34.000 Okay, who runs this other shop?

01:26:37.000 Like a friend of yours, a family member?

01:26:38.000 Who runs it when you're not there?

01:26:39.000 Yes, a family member.

01:26:41.000 So basically you got a full-time job that you make your money with and then obviously you also have this side hustle that you kind of do where you run the shop.

01:26:49.000 It's a drive-through type shop, ice cream, whatever it may be.

01:26:53.000 So it's like not real food.

01:26:54.000 It's like kind of like a luxury and it's drive-through and then it's in a questionable area and you don't want to deal with it anymore because it's causing your headaches and the profit isn't necessarily worth the headache.

01:27:03.000 Is that where we're at here?

01:27:03.000 Okay.

01:27:05.000 Correct.

01:27:05.000 Okay.

01:27:06.000 That's completely correct.

01:27:07.000 Okay.

01:27:07.000 Thank God.

01:27:08.000 It took us a bit to get this out of you, but all right.

01:27:10.000 So you got a couple options, bro.

01:27:12.000 You can either, A, find somebody to sublet that space for you, and then they run their business out of there.

01:27:17.000 Which is kind of hard.

01:27:18.000 Which is going to be a little bit hard.

01:27:20.000 But that might be the easiest way to kind of get out this scot-free.

01:27:23.000 If you can.

01:27:23.000 Second, fortunately, you're in a state that actually favors tenants.

01:27:28.000 You're in Michigan.

01:27:29.000 Okay.

01:27:29.000 Okay?

01:27:30.000 I would go ahead, it might be worth the money, invest an hour and talk with a real estate attorney and figure out what your options are.

01:27:37.000 Because commercial real estate and dealing with leases like this, completely different world.

01:27:43.000 You might want to go ahead and have a legal professional look through it and see what your options are.

01:27:47.000 And I would say those are the two main things you can do.

01:27:49.000 I'll tell you this, too.

01:27:50.000 If you get a lawyer that can go through the actual lease agreement...

01:27:53.000 ...and make a clause where if you are in danger or, for example, are being targeted, you might be able to squeeze out of this legally.

01:27:53.000 That's what I'm saying.

01:27:59.000 But again, we don't know because we don't know your state that well or your actual clause. 0.99

01:28:03.000 Did you have camera surveillance footage of this guy trying to do this shit? 0.99

01:28:07.000 I have a police report. 0.99

01:28:10.000 All right.

01:28:10.000 Okay.

01:28:10.000 There you go.

01:28:11.000 Yeah, bro.

01:28:11.000 Maybe there's a clause in there.

01:28:13.000 You never know.

01:28:13.000 Again, this is Michigan.

01:28:14.000 It's a very nuanced area because we're talking about Michigan, and we're talking about Michigan commercial real estate laws.

01:28:20.000 You need to talk with a lawyer, figure out what your options are, and then I would talk with the lawyer first, see what your options are.

01:28:26.000 And then also, while you're doing that, see if you can find someone that wants to take over that space from you.

01:28:31.000 Because that might be the way that's the easiest with no litigation.

01:28:35.000 Yeah.

01:28:36.000 All right?

01:28:37.000 Cool.

01:28:37.000 Yeah, I was going to give it like two months to see if it would sell because I can't keep paying $2,000 for free.

01:28:44.000 I'm not even using the space.

01:28:46.000 Oh, have you disbanded operations?

01:28:48.000 Hold on, hold on, hold on. 0.99

01:28:49.000 So you're not selling shit there no more. 0.99

01:28:51.000 You've disbanded operations? 0.98

01:28:54.000 Correct.

01:28:55.000 Oh, you didn't say that part.

01:28:56.000 Yeah, you didn't say that part either.

01:28:58.000 So that changes things quite a bit too.

01:28:58.000 Okay.

01:29:01.000 So can you resume operations if you wanted to?

01:29:04.000 A three-year lease, bro.

01:29:05.000 Yeah, yeah.

01:29:06.000 I could.

01:29:07.000 Yeah, bro.

01:29:08.000 It might make sense to resume...

01:29:09.000 I know it's wintertime right now, but it might make sense to resume operations and maybe add some stuff to the menu?

01:29:14.000 Just so that you can make some money so that, like, you're not completely eating $2,000 every month?

01:29:20.000 No.

01:29:22.000 God, that makes sense, but the thing is, like, bro...

01:29:26.000 Like, I already have, like, a full-time job that I work so much at, you know?

01:29:31.000 I know, but you said you had a family member helping you, right?

01:29:33.000 I was very motivated and stuff like that, but it's like, it was hurt, my health, everything like that.

01:29:41.000 But didn't you have someone helping you?

01:29:42.000 I was putting a lot into it.

01:29:43.000 Bro, bro, bro, didn't you just say you had a family member helping you with it for a while?

01:29:48.000 No, no, no, not helping me with it.

01:29:50.000 The full-time job I have, that's the family member that I work with.

01:29:55.000 Not the ice cream shop.

01:29:58.000 Bro, I'm confused now, bro.

01:30:00.000 God, man. 0.98

01:30:01.000 Yo, you really suck at explaining things, bro.

01:30:02.000 In your effort to conceal certain facts, you've made this extremely confusing for not just us, but the viewers as well. 1.00

01:30:08.000 And they're like, what the fuck? 0.99

01:30:09.000 Look. 1.00

01:30:09.000 I got you. 1.00

01:30:10.000 Yeah, bro.

01:30:10.000 You gotta...

01:30:11.000 Look, I get it.

01:30:12.000 You want to kind of keep things private.

01:30:14.000 Yeah, I was trying to like switch it up, so... 0.98

01:30:16.000 Yeah, you fucked everything up. 0.99

01:30:18.000 Look, bro. 0.99

01:30:19.000 You've been...

01:30:20.000 Jesus.

01:30:21.000 Okay.

01:30:22.000 It's King.

01:30:23.000 Yo, you gotta go.

01:30:25.000 And talk with a lawyer.

01:30:26.000 That's step one.

01:30:26.000 And then step two, you're also going to try to see if you can find someone that can go ahead and take it.

01:30:30.000 Because now, I'm over here thinking your business was still operational.

01:30:33.000 It's not even operational anymore.

01:30:34.000 You've disbanded it because of your health.

01:30:37.000 I think he's done with it.

01:30:38.000 Yeah, he's done with it.

01:30:38.000 He doesn't want to...

01:30:39.000 No, no, no.

01:30:39.000 Not my health.

01:30:41.000 Just because it's not worth it anymore.

01:30:43.000 That's what I'm trying to say.

01:30:44.000 Yeah, but you said, I can't put time into it because of my health.

01:30:46.000 I'm working like seven days.

01:30:48.000 I get it.

01:30:49.000 I get it.

01:30:50.000 Because I'm saying that's what you said.

01:30:51.000 You said, hey, I can't put time into it because of my health.

01:30:53.000 You did say that earlier.

01:30:53.000 Bro.

01:30:54.000 But look, lawyer, put the money in.

01:30:57.000 Talk with a real estate attorney that specializes in commercial real estate.

01:31:00.000 Yeah, we can move on.

01:31:01.000 And then number two, try to find someone that can take on that lease. 0.84

01:31:05.000 Yeah.

01:31:06.000 You got it though, bro.

01:31:07.000 All right.

01:31:08.000 That's the two things you got to do.

01:31:09.000 Hey, appreciate you, Myron.

01:31:11.000 Appreciate you.

01:31:12.000 You know, I was just trying to conceal some stuff just so, you know, because I know some people. 0.63

01:31:16.000 Yeah, bro, but you made this extremely difficult for us to give you a real answer and shit like doing that. 0.83

01:31:22.000 All right. 0.97

01:31:23.000 All right, man.

01:31:24.000 No worries.

01:31:25.000 I understand, though.

01:31:25.000 Take it easy.

01:31:26.000 All right?

01:31:29.000 All right.

01:31:30.000 I would be too. 1.00

01:31:32.000 Fuck. 1.00

01:31:33.000 It's fine, guys. 1.00

01:31:34.000 Bro, he's fucking... 0.99

01:31:35.000 You know what I mean? 1.00

01:31:36.000 I get it.

01:31:37.000 I get it, too. 1.00

01:31:37.000 He's probably a little worried for his safety and shit. 1.00

01:31:39.000 Some nigga tried to break into his shit. 1.00

01:31:40.000 I get it, man. 1.00

01:31:41.000 I understand.

01:31:42.000 I understand.

01:31:44.000 But just tell us from the beginning, because, bruh, that was, what, 10 minutes gone?

01:31:48.000 We've got a show coming up right now. 1.00

01:31:50.000 Yeah, shit. 1.00

01:31:50.000 Who's next? 1.00

01:31:51.000 Yep.

01:31:53.000 503...

01:31:53.000 How many more calls we got?

01:31:55.000 Like two?

01:31:56.000 Okay.

01:31:57.000 Let's knock out these two that paid and then we'll... 0.99

01:32:00.000 5-0-3-6, you're up.

01:32:02.000 Chat, you guys liking this, by the way?

01:32:04.000 This Nigga Ramsey show?

01:32:06.000 No, no.

01:32:07.000 Hold on, hold on.

01:32:07.000 Let's forget Ramsey.

01:32:08.000 Hold on.

01:32:10.000 He don't care about us. 1.00

01:32:11.000 Forget that nigga. 1.00

01:32:12.000 Actually, that white man. 1.00

01:32:13.000 We are certified.

01:32:15.000 He's known for this.

01:32:18.000 Yeah, but we do it better, though.

01:32:19.000 We do do it better.

01:32:20.000 We got some comedy here too as well.

01:32:21.000 We're way more on the ground down to earth.

01:32:23.000 Because this thing is like, he gives like the...

01:32:25.000 Come on, man.

01:32:26.000 Save face advice.

01:32:27.000 Like, oh, save money.

01:32:29.000 Don't buy real estate.

01:32:30.000 Buy in cash.

01:32:31.000 It's dummy proof.

01:32:32.000 It's dummy proof, yeah.

01:32:33.000 Versus like for us, we give y'all dummy proof advice too.

01:32:36.000 Well, this isn't financial advice.

01:32:38.000 We give y'all ideas.

01:32:40.000 Dummy proof ideas as well, but it depends on where you're at.

01:32:43.000 Right.

01:32:43.000 It helps, man.

01:32:44.000 All right.

01:32:45.000 Who's up next?

01:32:47.000 5036, you are up.

01:32:48.000 5036, what's your name?

01:32:49.000 Where are you from in your age?

01:32:50.000 What's a good name for this?

01:32:52.000 Adam, I'm from Louisiana, but I'm working in Texas in the oil field.

01:32:56.000 How you doing, sir?

01:32:57.000 What's up, man?

01:32:58.000 What's up, bro?

01:32:59.000 Yeah.

01:33:00.000 What's your question?

01:33:00.000 Hit us, bro, because we got...

01:33:01.000 Yeah, I was working here in the oil field, and my dumb ass tried an Uber. 1.00

01:33:07.000 I went to Uber, then I had an accident. 0.99

01:33:10.000 And I have a car at 2018 BMW and I have a cab insurance.

01:33:17.000 My insurance didn't want to involve Progressive and the guy who hit me, Progressive also covered Uber.

01:33:25.000 So, what I should do?

01:33:26.000 Keep doing the payment when I don't have the car?

01:33:29.000 I already called a lawyer, but I think lawyer all the care.

01:33:32.000 My friend, I can relate to you so much, brother.

01:33:36.000 I mean, listen, I've been hit in the back, pause, by a bundle of sticks, pause, and it was a Lamborghini, bro.

01:33:45.000 That hurt.

01:33:46.000 Here's a spot, Mike, bro.

01:33:47.000 You've made an agreement with the dealership when you bought this car to pay monthly.

01:33:51.000 To break this dealership deal, bro, you need to either pay the car off in full, Or, pay the difference that you owe on the car.

01:33:58.000 Wait, were you driving for Uber when you got hit?

01:34:00.000 Yeah.

01:34:01.000 Yeah, yeah, I was driving for Uber.

01:34:03.000 So, your gap insurance should have saved you, but for whatever reason it ain't going to affect, now you're cooked.

01:34:09.000 So, brother, you got two options.

01:34:11.000 Make a deal with dealerships, say, listen, hey, I want this car gone, what do I owe on the car?

01:34:15.000 They'll give you the payoff payment, and you gotta pay the difference, and then start new.

01:34:19.000 What's the difference, bro?

01:34:20.000 Well, he might not even know.

01:34:22.000 Do you know?

01:34:25.000 Like, do you mean like get a cheaper car from them or?

01:34:28.000 No, no.

01:34:29.000 He's asking you, what's the current payoff?

01:34:30.000 How much money you have left on that BMW? How much did you buy for?

01:34:33.000 How much did you put down there to pay off total?

01:34:35.000 I think I paid $15,000 already and I had like $21,000 left.

01:34:44.000 How much is the payment for the car?

01:34:48.000 He paid off a lot though.

01:34:49.000 It's only $6k left.

01:34:50.000 Every month I pay $620.

01:34:54.000 What car is it?

01:34:56.000 BMW. BMW 2015.

01:34:59.000 What model?

01:35:00.000 What is that?

01:35:02.000 350?

01:35:03.000 Series 3.

01:35:08.000 2018i.

01:35:11.000 2018i?

01:35:12.000 33i.

01:35:13.000 33i.

01:35:15.000 Series.

01:35:15.000 Yes.

01:35:17.000 Alright, so 2018-33-I. Bro, he bought it for $21K, he already had $15K paid off, so it's only $5,000 left.

01:35:24.000 Should you just eat it?

01:35:26.000 Wait.

01:35:27.000 No, because remember, it's the value of the car currently.

01:35:31.000 Let's see here.

01:35:32.000 I'm looking up right now.

01:35:33.000 So we got B&W. I just look at the value right now.

01:35:41.000 Okay, right now.

01:35:44.000 Give or take.

01:35:46.000 Let's see.

01:35:47.000 Cars for sale.

01:35:49.000 One second.

01:35:50.000 Yeah, bro, because who did you deal with?

01:35:54.000 What company?

01:35:55.000 B&W themselves or a different bank?

01:35:58.000 It was a driver time, but it was like another loaner.

01:36:04.000 They just got involved.

01:36:06.000 The car dealer, they do it in loan companies too.

01:36:09.000 But the problem is that when I had a gap insurance, they told me, if you have an accident, we're just going to give you $5,000.

01:36:16.000 We're going to take the car.

01:36:17.000 Right now I'm hearing different things, you know.

01:36:19.000 Because the car's value now is $9,000 to $10,000, if what you told me is showing.

01:36:25.000 Yeah, that's right.

01:36:26.000 Which means you owe $21,000, right?

01:36:28.000 No, no.

01:36:29.000 He paid $15,000 already.

01:36:31.000 So there's $5,000 left.

01:36:34.000 No, no.

01:36:34.000 Hold on.

01:36:37.000 How much did you get a car for?

01:36:41.000 So I got it for the $23,000.

01:36:45.000 I pay 15 and the rest is they say that once you pay that amount, we're just gonna refinance it or something like that.

01:36:53.000 I don't know.

01:36:53.000 I don't understand about loans.

01:36:54.000 It was my first...

01:36:55.000 I was listening to you guys and then when I fixed my credit, My car got tired, so I went...

01:37:03.000 Bro, okay.

01:37:03.000 The problem is, bro, you don't know how much you own the car.

01:37:06.000 Okay, so you need to do this tomorrow or today if you can.

01:37:09.000 Call the lender to lend you the money for the car and say, hey, listen, I want a payoff statement for this car.

01:37:15.000 How much do I owe?

01:37:16.000 Once you get that amount, you can know how much you got to pay for the car in total.

01:37:19.000 But what do we know now?

01:37:20.000 He literally said he paid $15,000.

01:37:22.000 He bought the car for how much again?

01:37:23.000 Yeah, I paid $15,000.

01:37:25.000 Yeah, I paid $15,000, but the balance is not accurate.

01:37:29.000 I don't know.

01:37:30.000 No, bro, because...

01:37:30.000 No, hold on, hold on.

01:37:31.000 See, here's the problem, right?

01:37:33.000 You paid for the car, but you know what you did?

01:37:34.000 You paid interest for the car.

01:37:36.000 That $15,000 is not what he paid.

01:37:37.000 He paid maybe like $6,000, $7,000 at best.

01:37:40.000 So he owes a lot more than he's telling us right now, which is why only they know the payoff because they've been keeping a record of this.

01:37:46.000 Gotcha.

01:37:46.000 Remember, you're paying interest up front for the car when you buy it.

01:37:48.000 For the majority of the payments, just like a house, right?

01:37:49.000 With amortization?

01:37:50.000 That most of your payments are interest only in the beginning.

01:37:53.000 So maybe half of that is what went towards the actual principle of this car.

01:37:56.000 So brother, we can't help you right now because you don't know your payoff amount.

01:37:59.000 What's your interest rate?

01:38:00.000 Do you know what your interest rate was?

01:38:02.000 No, I don't even know. 1.00

01:38:04.000 When the fuck did you buy this car? 1.00

01:38:06.000 Hold on. 1.00

01:38:06.000 We're going off on assumptions here. 1.00

01:38:08.000 I never bought a payment car.

01:38:11.000 Wait, when did you buy the car?

01:38:13.000 I just want to know that.

01:38:14.000 When did you buy it?

01:38:15.000 I bought it on January 2023, like a year and a half ago.

01:38:23.000 And I've been paying six...

01:38:24.000 Bro, okay, I can tell you right now, bro, if you bought this car last year, you paid me $600, but you'd pay maybe like $200 in principle, at best, right?

01:38:36.000 Because the interest is probably your heavy-loaded loan.

01:38:39.000 How much did you put down when you bought it?

01:38:42.000 I put $6,000.

01:38:44.000 I put it down.

01:38:47.000 And the money you put down, I'm assuming that goes to the principal right?

01:38:50.000 Not all the time, bro.

01:38:51.000 Yeah, I think so.

01:38:51.000 It might go towards tax, sales tax.

01:38:53.000 My question is, Myron, please, you and Fresh, my question is, can I stop doing the payment or I have to...

01:38:59.000 Nigga, you cannot stop. 1.00

01:39:00.000 Okay, hold on.

01:39:01.000 Brother, brother, listen to me.

01:39:02.000 Listen to me. 0.99

01:39:03.000 I've been fucked over by cars myself, bro. 0.99

01:39:05.000 I'll tell you this right now. 0.99

01:39:06.000 You cannot stop making a payment.

01:39:08.000 Because you know what will happen if you start making that payment, they're going to do what? 1.00

01:39:10.000 Sue your ass. 1.00

01:39:11.000 And then you got a lawsuit on you for the company and you got to pay regardless anyway. 1.00

01:39:15.000 The garnish from your wages or they'll take the money out of your account 100%.

01:39:20.000 What about the GAP? What about the GAP insurance?

01:39:22.000 They say, if you have an accident, we're just going to take the car and give you $5,000.

01:39:26.000 What about that?

01:39:27.000 I was paying two months because of the GAP. But you said that the insurance didn't qualify you for GAP, for whatever reason.

01:39:33.000 No, no.

01:39:34.000 The insurance did not.

01:39:35.000 No, my insurance, they don't want to get involved.

01:39:38.000 Uber got insurance because I have a passenger.

01:39:41.000 I had a girl.

01:39:42.000 She was screaming because, like Myron said, women live like an easy motor. 1.00

01:39:45.000 They cannot leave.

01:39:46.000 She was screaming while I was driving. 0.99

01:39:47.000 I stopped the car barely, and she don't even want to get out the car. 1.00

01:39:51.000 I said, do you want to get out?

01:39:53.000 I helped her out to get out. 1.00

01:39:54.000 For her, it's payday, my friend.

01:39:56.000 For you, it's pay-up day.

01:39:58.000 Listen, bro, this is what you need to do.

01:40:00.000 Tomorrow, but he said, just to finish, you said, so you are going to get $5,000 from the gap insurance.

01:40:07.000 That's what they say when I buy the car in the beginning.

01:40:10.000 But now...

01:40:11.000 Uber has their own rules.

01:40:12.000 Uber, they got...

01:40:13.000 So when you have a rider with you, customer, when they are in there, like progressive, they are responsible for you and the rider.

01:40:24.000 They don't want your insurance involved.

01:40:26.000 They don't want gap insurance involved.

01:40:27.000 They will be like, oh, we got you.

01:40:33.000 Bro, bro, this is simple, bro.

01:40:36.000 Dude, dude, dude, this is simple, right?

01:40:39.000 You want help?

01:40:40.000 I'm trying to help you right now.

01:40:41.000 You need to actually call the lender and say, listen, I want to pay off a month for this car, and I'll give it to you either in a couple hours or next day.

01:40:48.000 Once you get that...

01:40:49.000 How much you owe in the car.

01:40:51.000 Then you need to figure out from your insurance company if it's going to give you GAAP insurance coverage or not.

01:40:54.000 But you drive an Uber, so there are policies on claims and getting funding.

01:41:01.000 So you need to verify Uber.

01:41:03.000 Hey, listen, this accident happened under your guise that a passenger is in the seat behind me.

01:41:08.000 What is the payout or what's the insurance going to do for me with this car?

01:41:11.000 Because right now you're just rambling with a bunch of things you are assuming, but you don't really know.

01:41:15.000 Then, you can say, with a logically sound mind, alright, this car, I need to pay off like 10k on this car.

01:41:21.000 Do I have it to get rid of it?

01:41:22.000 Cool.

01:41:23.000 If you don't, you need to make some more money to pay off this car once it gets fixed.

01:41:27.000 If it gets fixed by the insurance company with the insurance.

01:41:30.000 Now, the gap, they will bridge the gap between you and what's owed on the car if you're qualified for the gap insurance. 1.00

01:41:35.000 If you're not, you're fucked. 0.99

01:41:37.000 So, you need to figure out... 1.00

01:41:38.000 Yeah, I'm already qualified because I've been paying a lot for the gap.

01:41:44.000 My car payment is too much because of the gap.

01:41:47.000 I have an engine, transmission, and steering warranty.

01:41:53.000 And accident warranty on it.

01:41:55.000 Are you the one at fault?

01:41:57.000 And is the car total?

01:41:59.000 No, I was driving.

01:42:00.000 He hit me from the side.

01:42:01.000 He was from behind.

01:42:02.000 Okay.

01:42:03.000 Dude, this is simple.

01:42:04.000 Just call your insurance.

01:42:06.000 Do they know what happened?

01:42:08.000 Of course.

01:42:08.000 You got a police report?

01:42:10.000 No, the insurance, they don't want to invoke.

01:42:12.000 My insurance, they don't want to invoke.

01:42:13.000 They was like, oh, he was with another insurance.

01:42:16.000 We protect you when you're not working with Uber.

01:42:19.000 Otherwise, you got to make Uber.

01:42:21.000 Dude, this is the problem, bro.

01:42:23.000 You are...

01:42:24.000 Okay, hold on.

01:42:25.000 This is very simple, bro. 0.99

01:42:26.000 Your insurance company, if they're not going to cover you, that don't mean shit, bro. 0.97

01:42:29.000 Because right now you're telling me that. 0.96

01:42:31.000 You do it for Uber, right?

01:42:33.000 Yeah, yeah.

01:42:34.000 So, you follow Uber's policies.

01:42:36.000 I'm a truck driver, but I was an Uber.

01:42:36.000 I'm not an Uber.

01:42:38.000 But the thing is, I have an insurance vehicle.

01:42:41.000 I have a full coverage.

01:42:42.000 But I don't know what's going on.

01:42:44.000 There is something going on behind the scenes.

01:42:45.000 I don't understand it.

01:42:48.000 My question is, should I keep making payments for something I don't own no more?

01:42:53.000 I don't have the car no more.

01:42:54.000 They told me.

01:42:55.000 Yeah, dude, you are on the hook for that car as long as your...

01:42:59.000 I think the bottom line here is you're going to have to keep paying is the bottom line.

01:43:02.000 Yeah, you can't just stop paying.

01:43:03.000 However, you're going to have to keep paying because like Fresh said, they're going to come after you.

01:43:07.000 They're going to sue you legally.

01:43:07.000 They're going to sue you and they're going to come after you regardless.

01:43:09.000 And they're going to take your credit.

01:43:11.000 Guys, I'll tell you what happened to me personally with my Lambo, right? 1.00

01:43:13.000 So a couple months ago, I bought a Lamborghini SV, right?

01:43:16.000 Red, amazing car, my dream car, right?

01:43:18.000 I want to keep that car forever.

01:43:20.000 I'm driving on South Beach.

01:43:22.000 I get hit from behind.

01:43:23.000 From a bundle of sticks, right?

01:43:25.000 He's like, oh my god, I'm gonna call the police and hit a Lamborghini.

01:43:27.000 Bro, don't call the police.

01:43:28.000 I'll fix it myself.

01:43:29.000 Fix your car too.

01:43:30.000 Don't fret.

01:43:31.000 Call the police.

01:43:32.000 Get a police report. 0.99

01:43:33.000 I gotta go to my insurance now to figure this shit out. 0.91

01:43:36.000 Now, as you guys know, this car is very limited. 0.98

01:43:38.000 It's only $600 in America.

01:43:39.000 That car being hit is a downer for the value.

01:43:42.000 I lost $180K on that car.

01:43:43.000 Plus, whatever the market was down for as well.

01:43:45.000 So, guess what I do, guys?

01:43:47.000 To go to that car, I got to pay the full amount of what I owe.

01:43:50.000 Same thing with you, bro.

01:43:51.000 You can't just stop paying the car.

01:43:52.000 Whatever you owe on the car, you got to finish off paying or pay monthly just to keep the car running because you made an agreement with the bank or lender for that car.

01:43:58.000 You can't just say, oh, I'm done paying because I don't have the car. 0.98

01:44:00.000 No, nigga. 1.00

01:44:01.000 You're on hook forever until the car is paid off. 0.97

01:44:02.000 Now, Granted, though, you've got insurance, you have an Uber policy as well.

01:44:07.000 Verify with them what is going to happen next because, bro, you're just telling us these things, but we don't know because you need to confirm with the bank or Uber, what's the next step?

01:44:15.000 Once you figure that out, you know your payoff, then pay it off if you have the money.

01:44:18.000 If not, you're going to keep paying for the car.

01:44:20.000 Granted, though, if you have insurance covered and they're going to cover it for you, which you said they're not going to, you're good.

01:44:24.000 So verify again with the lender, what's your payoff amount?

01:44:28.000 And then two, figure out from Uber if they're going to cover you with insurance.

01:44:31.000 Because remember, You're the passenger in the car.

01:44:33.000 That's a whole other liability itself to deal with.

01:44:35.000 So I don't know what you're going to happen with Uber, but verify with them what's their next strategy for you and with the lender how much you owe.

01:44:41.000 So to be clear here, to be extremely clear here, you're on the hook for the car, bro.

01:44:46.000 You got to pay no matter what.

01:44:48.000 Now, so that's the bottom line.

01:44:50.000 You've got to keep paying.

01:44:51.000 However, now it's a matter of how much are you going to pay, which is what we're going to figure out.

01:44:55.000 And that's going to be contingent upon your insurance alongside the gap, and then obviously you had a passenger inside.

01:45:00.000 These three factors are going to play into how much you've got to pay.

01:45:04.000 But the point is that you've got to keep making the monthly payments until you square away with this insurance situation.

01:45:10.000 And that will finally dictate the final cost of what you're going to have to come out of pocket.

01:45:13.000 But the point is that you have to keep coming out of pocket monthly to honor the contract that you signed.

01:45:19.000 Otherwise, they're going to destroy your credit, sue you, and come after you for the money that you owe.

01:45:24.000 So keep making the payments because Fresh has dealt with this before, not him personally, but he knows guys that have decided not to make the payments.

01:45:31.000 And they get sued and they come after you, these car companies.

01:45:31.000 And they get sued.

01:45:33.000 Yep.

01:45:34.000 So you got to keep making the payments, bro.

01:45:35.000 Right now, what we got to figure out is how much you got to pay.

01:45:39.000 And you're going to know that once you call your lender tomorrow and figure out what the payment amount is because you don't know because a lot of that money that you paid, this monthly payment of 620, the $6,000 that you put down, a lot of that is attributed to interest.

01:45:51.000 And to the closing cost to make the deal happen.

01:45:53.000 So you don't know what the principal left is.

01:45:55.000 Because a lot of this payment went over towards the insurance.

01:45:58.000 Which is very common.

01:45:59.000 Excuse me, not the insurance.

01:46:00.000 The interest.

01:46:01.000 It didn't go to your principal. 1.00

01:46:02.000 Just like with a home loan, these assholes make sure they get their money on the front end, bro. 0.99

01:46:06.000 That's how amortization works. 0.99

01:46:08.000 So we got to figure out how much is left on the principal that you owe. 1.00

01:46:13.000 You know it's fucking two men doing that shit, man. 1.00

01:46:16.000 What? 1.00

01:46:17.000 I said, I always motherfucking Jew doing that shit, man. 1.00

01:46:20.000 They keep you on hook. 1.00

01:46:23.000 No, my friend.

01:46:24.000 You made a choice, and you signed the deal?

01:46:27.000 This is your fault, my friend.

01:46:28.000 Not an accident, but this is your loan.

01:46:31.000 Anyhow, we helped you, bro.

01:46:32.000 You know what you gotta do, man?

01:46:33.000 I wish you the best, but yeah, the cars, when you get hit, it's a headache, especially when they don't cover you for insurance, but you got it, though, bro.

01:46:39.000 All right.

01:46:40.000 We gotta show the run.

01:46:40.000 Yeah, we gotta...

01:46:41.000 Yeah, bro.

01:46:42.000 One more caller.

01:46:43.000 All right.

01:46:43.000 Yeah.

01:46:43.000 One more caller?

01:46:44.000 One more caller, and then...

01:46:47.000 Yeah.

01:46:48.000 Can you guys get a Zoom link also for us?

01:46:49.000 Guys, just a note for you guys when you buy a car.

01:46:52.000 You may feel like you don't have to make payments.

01:46:54.000 You made a deal with the dealership, basically with the devil.

01:46:56.000 You can't stop making payments, bro. 1.00

01:46:58.000 If not, I'm going to report a car and then sue your ass for whatever you owe. 0.98

01:47:02.000 And I'm telling you right now, guys, you can sue by them, it's not going to be nice. 0.97

01:47:05.000 Because I'm telling you right now, guys, I don't want to pay 180K. I don't want to pay it, but I have to because now I'm going to deal with the devil and I got paid off because at that point...

01:47:13.000 You can't just stop paying because you're on the hook for that amount of money for the car.

01:47:17.000 No matter what you do, bro.

01:47:18.000 Yeah, because then now the bank is involved.

01:47:22.000 But if you pay it off, like what Myron did, it's Honda, then you're good, so don't matter.

01:47:25.000 Guys, I think this should be a lesson to all you guys. 0.99

01:47:28.000 Bro, don't lease no fucking cars, bro. 1.00

01:47:30.000 Fuck that shit, man. 1.00

01:47:32.000 Especially if you get hit and burger cooked. 1.00

01:47:33.000 Yeah, don't do it, man.

01:47:35.000 Especially with the car market right now, the way it's down.

01:47:37.000 Who's the last person?

01:47:39.000 2788, you're up.

01:47:40.000 2788, you're up.

01:47:43.000 Hey brothers, how you doing?

01:47:44.000 What's up, bro?

01:47:46.000 Cool.

01:47:47.000 So my big question is, what are my next money moves?

01:47:49.000 I have a list of things here ready.

01:47:51.000 Me, I make $120,000 a year as a trucker, and I'm an online personal trainer.

01:47:57.000 I work 70 to 90 hours per week.

01:47:59.000 My wife is a pharmacist who makes $80,000 a year.

01:48:02.000 I'm 37 years old.

01:48:04.000 She is 34.

01:48:05.000 Credit score is 720.

01:48:08.000 I'm from Chicago.

01:48:09.000 We have our first kid on the way in February.

01:48:11.000 Probably going to get a used 2019.

01:48:14.000 Yeah, 2019 to 2022 Porsche Macan.

01:48:17.000 The new baby car, $35,000 out the door budget for that.

01:48:22.000 We have two current cars right now paid off.

01:48:25.000 We have two current debts per student loans and our mortgage.

01:48:28.000 One home is paid off, so we're living in our second home currently.

01:48:33.000 We have a Chase Sapphire we use for everything, and we use the perks mainly for travel to Vietnam, which we're going to in a couple weeks.

01:48:41.000 And my big question, what are my next money moves?

01:48:44.000 You think to basically double my money by next year?

01:48:47.000 Yo, is this a one-trust 8-packer?

01:48:50.000 Yep.

01:48:51.000 Oh, by the way, I got your information tomorrow from my guy for the Porsche.

01:48:55.000 So you want to know what's your next money move for you?

01:49:00.000 Yes, sir.

01:49:00.000 Is the car necessary?

01:49:01.000 Yes.

01:49:03.000 I'm not gonna lie, it's luxury.

01:49:04.000 Bro, is the car necessary 100%, bro?

01:49:09.000 You already got two cars paid off, bro.

01:49:10.000 Do you really need it?

01:49:13.000 Yeah, we can stay with our two current ones.

01:49:15.000 My wife really watches. 1.00

01:49:17.000 She's been a good wife, but we have 80K in reserve right now, so we could, but I'd rather invest.

01:49:24.000 Yeah, bro.

01:49:25.000 I'll tell you this, bro.

01:49:27.000 Listen.

01:49:27.000 Tell her no, man.

01:49:28.000 I'll tell you this, bro.

01:49:29.000 Let your property pay for the car.

01:49:32.000 That's better.

01:49:33.000 At least get property if you can. 0.99

01:49:36.000 And I know your wife isn't good to you and she wants it and she probably hasn't asked you for a lot of shit, but bro, tell her no, man. 0.99

01:49:41.000 It's not worth it, bro. 0.99

01:49:42.000 Especially if the car market down right now, just tell her, hey baby, it's not a good time right now.

01:49:46.000 You're seeing all the horror stories right now that we're listening to.

01:49:49.000 Wait, but hold on, hold on, hold on.

01:49:50.000 If I get him this deal where it's way below value and he just pays cash for it, he's good.

01:49:54.000 Okay.

01:49:54.000 25, 30k, knock it out, you're done paying for it, no extra fees, you're good.

01:49:59.000 But any higher than that, I wouldn't do it.

01:50:00.000 Yeah, so if Fresh can't lock you this deal right now, then don't do it, bro.

01:50:03.000 Yeah.

01:50:06.000 But keep in mind, guys, Porsche does take a lot to maintain sometimes when it has issues, especially if it's a used car.

01:50:11.000 So, you got the comfort of that as well, brother.

01:50:13.000 So, again, like Myron said, we're opposing Collins, man, because having a car right now, especially these times, could be tricky.

01:50:19.000 If Fresh can't get you this deal, bro, don't do it.

01:50:20.000 Yeah, but you should be- And then use- Blame Fresh, actually.

01:50:23.000 What the? 0.98

01:50:24.000 Nigga! 1.00

01:50:24.000 Just blame Fresh. 1.00

01:50:25.000 Me?

01:50:25.000 Hey, sorry, baby.

01:50:26.000 This nigga couldn't come through. 1.00

01:50:27.000 Okay, okay, okay, great. 0.99

01:50:28.000 Yeah, he could've- You what? 1.00

01:50:31.000 Yeah, he could say this black nigga tried to rob us. 1.00

01:50:32.000 Yeah. 1.00

01:50:35.000 Hey, just keep it real, man. 1.00

01:50:37.000 You know, nigga shit, man. 1.00

01:50:39.000 Yeah. 1.00

01:50:39.000 But, yeah, bro, I mean, because, dude, again, I know we've got Trump in office and everything, but let's not, like, you know, count our chickens before they hatch, right? 1.00

01:50:47.000 Because we've got to January until he gets in office.

01:50:48.000 Yeah.

01:50:49.000 So we've got to wait and see.

01:50:49.000 Who knows?

01:50:50.000 Yeah.

01:50:51.000 But in terms of, like, your next money move, bro, like, I would just say, man, focus on assets, like what Myron does with real estate, bro.

01:50:57.000 Yeah, try to pick up some real estate properties.

01:50:59.000 I'd be happier if you took that $30K or $20K and try to put it towards the house, bro.

01:51:04.000 Yeah.

01:51:05.000 Don't do what I did, bro.

01:51:09.000 Alright.

01:51:10.000 Sounds good.

01:51:10.000 Learn from precious mistakes.

01:51:12.000 Yeah, bro.

01:51:12.000 Cars right now, man, is a bad move.

01:51:15.000 I don't know if you heard the caller right before you, bro, but holy.

01:51:17.000 Guys, I made mistakes so you don't have to make the same mistakes, man.

01:51:20.000 Girls, cars, everything.

01:51:21.000 There you go. 1.00

01:51:22.000 Especially with these fucking German and Italian cars, bro. 1.00

01:51:25.000 Maintenance on it is a pain in the ass, bro. 1.00

01:51:26.000 You can't take it to the regular mechanic, bro. 0.99

01:51:28.000 You just can't.

01:51:29.000 And if you do, they're going to charge you.

01:51:30.000 They're going to upcharge you like crazy.

01:51:32.000 I'll text you tomorrow, bro, on Instagram with the update.

01:51:35.000 I got you, bro.

01:51:37.000 You rock.

01:51:38.000 Thanks, guys.

01:51:38.000 Got you, bro.

01:51:40.000 All right.

01:51:40.000 And niggas say I don't add value, man.

01:51:42.000 Freaking haters, bro. 0.74

01:51:43.000 Haters are going to hate, bro. 0.98

01:51:44.000 It's all good, dawg.

01:51:45.000 It's all good.

01:51:46.000 Haters are going to hate.

01:51:47.000 Well, at least the BMW guy kind of knows what he's in for.

01:51:49.000 Then he goes by to stop making payments.

01:51:52.000 That would have been a bad mistake.

01:51:53.000 I'll tell you this.

01:51:53.000 I know some YouTubers stop making payments and they've been sued.

01:51:57.000 Google their names.

01:51:58.000 It's all online.

01:51:59.000 Bro, when they sue you, bro, it goes everywhere.

01:52:01.000 So all dealerships know and lenders know this guy has a bankruptcy on this car.

01:52:07.000 Don't give him a deal.

01:52:08.000 And actually, you know, one of them, I got him a deal, even though he didn't pay his car, and I did it on the table because, you know, but some of your favorite celebrities have, because they got sued by companies.

01:52:19.000 Diddy's son got sued by his car company for not making payments. 0.99

01:52:24.000 Damn. 0.99

01:52:24.000 Alright, so they make it a point to come after you. 0.99

01:52:26.000 Dude, it's public, bro.

01:52:28.000 Okay, so not only do they sue you and come for your money, they...

01:52:32.000 You do not want to be sued, bro.

01:52:33.000 Okay.

01:52:34.000 Alright.

01:52:34.000 Not all.

01:52:35.000 BMW, nigga, bro. 1.00

01:52:36.000 Hey, man. 0.87

01:52:36.000 Make that payment, man. 0.87

01:52:37.000 Yeah, Myron's seen my mistakes, man, so guys, don't do it. 1.00

01:52:40.000 Yeah, fuck cars, bro. 1.00

01:52:41.000 Yeah. 1.00

01:52:41.000 Anything else? 1.00

01:52:42.000 That's it.

01:52:42.000 That's it?

01:52:43.000 So, guys, we're going to be back with...

01:52:45.000 Oh, last chats?

01:52:46.000 Yeah, let's read them real quick.

01:52:47.000 You guys like that?

01:52:48.000 We need to make this a segment.

01:52:50.000 Bro, this is the...

01:52:51.000 Give me ones in the chat if you guys like this.

01:52:55.000 Give me twos if you don't like it and what we can approve.

01:52:57.000 If you don't like it or you have a criticism, put two in Y. Wshow, one.

01:53:03.000 Give me a two in Y. Love it.

01:53:05.000 Ones.

01:53:05.000 Oh, straight ones, bro.

01:53:07.000 Shout out to you guys, man.

01:53:08.000 Give twos a suggestion if you're going to put a two.

01:53:10.000 Give me a suggestion.

01:53:11.000 You know what we could do?

01:53:11.000 Bring in guests as well.

01:53:13.000 Money Monday guests.

01:53:14.000 Okay.

01:53:15.000 To talk with us, with them.

01:53:16.000 I like money talk.

01:53:17.000 Nigga put a two, but didn't put Y. Yo, put Y! Damn! 1.00

01:53:21.000 I saw someone put a two with criticism on YouTube. 1.00

01:53:24.000 He said, uh, two fresh sucks. 0.97

01:53:26.000 Thanks, bro. 0.98

01:53:27.000 No, no, he didn't say that.

01:53:28.000 No, he didn't.

01:53:28.000 Well, no, this person on Rumble.

01:53:29.000 Well, yeah. 0.99

01:53:31.000 Uh, sucker for... 0.99

01:53:35.000 Yo. 0.99

01:53:35.000 Oh, Raiklin. 0.99

01:53:36.000 Two bring me in.

01:53:37.000 Two peak content.

01:53:38.000 What is that?

01:53:38.000 Scroll up.

01:53:39.000 No.

01:53:40.000 Scroll up, Bill's on the YouTube.

01:53:41.000 Said two...

01:53:45.000 Scroll up.

01:53:45.000 Advice for what people?

01:53:46.000 Best part of the show.

01:53:47.000 No.

01:53:47.000 It's peak content, helpful, real life, various.

01:53:51.000 Okay.

01:53:52.000 He didn't give a criticism, though.

01:53:54.000 It's all good.

01:53:54.000 If you put a two, tell us why.

01:53:55.000 But we got hello ones.

01:53:56.000 Someone said two no immigrants.

01:53:57.000 He's probably saying it's too good.

01:53:59.000 Two special guests, we can do that.

01:54:00.000 Yeah, we can do that.

01:54:01.000 All right, cool.

01:54:01.000 All right.

01:54:02.000 Awesome.

01:54:03.000 I think we found something for Money Mondays for you ninjas. 0.92

01:54:06.000 Yeah.

01:54:06.000 Outside of like, you know what we should do?

01:54:08.000 We should make all of them a call-in show.

01:54:10.000 Maybe if we're going to cover a topic, we'll cover the topic and then open up the phone lines.

01:54:14.000 Once we've got time.

01:54:15.000 If we've got time, yeah.

01:54:16.000 Alright, we've got some guests coming next Monday, Monday as well.

01:54:19.000 Actually, let me not say no.

01:54:22.000 Big Mo, LOL. Oh, okay.

01:54:25.000 Okay.

01:54:28.000 Submit two, the one, the true God.

01:54:30.000 What?

01:54:30.000 Okay.

01:54:31.000 Two no immigrants.

01:54:31.000 Alright, man.

01:54:32.000 It's a W show, man.

01:54:33.000 Someone said two make it longer.

01:54:34.000 Okay.

01:54:34.000 Alright.

01:54:35.000 Y'all niggas like it. 1.00

01:54:36.000 Nah, nigga. 1.00

01:54:36.000 If you want longer, CC Premium, bro. 1.00

01:54:38.000 Yeah, get on Casco.

01:54:39.000 Yo, we got some sauce in there, man.

01:54:40.000 You want to get on crypto, stocks, dating.

01:54:44.000 Bro, the real sauce is right there, bro.

01:54:45.000 So, alright guys, we're going to segue into Freshly Fit News.

01:54:49.000 We're going to probably start here in the next 10 minutes or so.

01:54:52.000 My name is Darwin.

01:54:53.000 I'm 26-year-old, credit score 696.

01:54:55.000 And my experience credit score went from 750 dropped down to 730.

01:54:57.000 How would I get my experience score back up?

01:54:59.000 Make payments on time?

01:55:00.000 Bring your utilization down. 0.67

01:55:02.000 You do those two things, your credit score is going to shoot up.

01:55:04.000 Bring your utilization down is the biggest cheat code to bring your credit score up.

01:55:09.000 Utilization down.

01:55:10.000 WFNF Fresh Updates, thank you so much.

01:55:11.000 Appreciate that.

01:55:12.000 TS goes, I called in Thursday, Bitcoin went from 77 to now 90.

01:55:16.000 I told you.

01:55:16.000 Let's go.

01:55:16.000 TS. I have a guest idea, the guy from Minority Mindset.

01:55:20.000 Oh yeah, he's pretty dope actually.

01:55:22.000 He's a minimalist too.

01:55:23.000 I don't know who that is.

01:55:24.000 He's a Pajit, right? 0.72

01:55:25.000 Yeah, he went to my gym.

01:55:26.000 Oh, you know him?

01:55:27.000 Yeah, yeah.

01:55:28.000 He used to go to the gym that I work at.

01:55:30.000 You got his contact?

01:55:31.000 Yeah.

01:55:32.000 Let's bring him on.

01:55:33.000 Alright, let's make the Pajit network happen. 0.99

01:55:35.000 He has a big channel.

01:55:36.000 What ETF would you recommend to invest in my Roth IRA, investing 100 bucks every paycheck?

01:55:41.000 What ETF? I'll tell you right now.

01:55:46.000 It depends on which broker you're using, which we did a whole thing on index funds.

01:55:50.000 Something that tracks the S&P 500, something that tracks the total stock market.

01:55:54.000 Nice and simple.

01:55:56.000 S&P 500 never fails, guys. 1.00

01:55:58.000 If that shit fails, nigga, we got picked up. 1.00

01:56:00.000 We're cooked. 1.00

01:56:01.000 I think Vu's good, though.

01:56:01.000 V-O-O. I think that tracks the S&P 500.

01:56:03.000 Yeah.

01:56:04.000 But that depends.

01:56:04.000 He might not be on Vanguard.

01:56:06.000 Ah, yeah, you're right.

01:56:06.000 See what I mean?

01:56:07.000 Okay, cool.

01:56:07.000 So every brokerage has a different code for their thing.

01:56:10.000 So that's why I tell them in general, just S&P 500, an ETF that tracks the S&P 500, or an ETF that tracks the total stock market.

01:56:19.000 Me, personally, I have one that follows the S&P 500 and the total stock market index on Vanguard.

01:56:23.000 But you can use any of these companies, guys.

01:56:25.000 Also, we got a last chat here that says, Lyndon Lane.

01:56:29.000 Yo, whoever's in Austin and in Aviation, hit my Discord.

01:56:32.000 Lyndon Lane official.

01:56:33.000 Alright, cool.

01:56:34.000 Alright.

01:56:35.000 Anybody else?

01:56:36.000 To be honest, if you're on the come up, you should just buy a cheap 5 to 10k car.

01:56:40.000 That's what I'm doing.

01:56:41.000 Chat, think about this. 1.00

01:56:42.000 Fuck a lease. 1.00

01:56:43.000 Yeah. 1.00

01:56:43.000 There you go. 1.00

01:56:44.000 I agree, bro.

01:56:44.000 I agree.

01:56:45.000 Yo, whoever is in Austin in aviation...

01:56:48.000 Oh no, got that one.

01:56:49.000 This concept is fire.

01:56:50.000 Call-in Money Mondays and call-in Womanizer Wednesdays would be dope, too, where callers talk about their dating issues and Friday can be call-ins for whatever situation.

01:56:57.000 Not a bad idea.

01:56:58.000 Yeah?

01:56:59.000 Yeah, oh boy, it's not bad.

01:57:00.000 We could do that.

01:57:01.000 Well, once a month, we do a call on Wednesday for girls only.

01:57:04.000 That's good.

01:57:05.000 All right. 0.99

01:57:05.000 Some of you guys are fucking lost. 0.99

01:57:08.000 Yeah. 1.00

01:57:09.000 Holy.

01:57:09.000 Okay.

01:57:10.000 Anything else?

01:57:10.000 We got a show for Monday News.

01:57:13.000 Sorry, Monday News.

01:57:14.000 Coming up right now.

01:57:15.000 Yeah, I got a bunch of different topics we're going to talk in.

01:57:17.000 We're going to have Ivan Raiklin call in.

01:57:19.000 We're going to talk about some political stuff.

01:57:20.000 We'll probably call him in first.

01:57:21.000 Yeah.

01:57:21.000 So that we don't keep him up.

01:57:22.000 He's got to be up early.

01:57:23.000 All right, guys.

01:57:24.000 We'll be back in, give us about 10 minutes.

01:57:26.000 10.15 minutes.

01:57:27.000 We're going to be on live by like 10.30 no later.

01:57:29.000 Love you guys.

Fresh & Fit - March 10, 2025

Money Monday Call-In Show

Episode Stats

Summary

Transcript