Fresh & Fit - The Top 5 Things To Get Your Finances In Order In 2026 STEP BY STEP

00:02:03.000 And we're live.

00:02:03.000 What's up, guys?

00:02:04.000 Welcome to the Freshly Podcast, man.

00:02:05.000 Boots on next all year.

00:02:05.000 It's 2026.

00:02:06.000 We are going to be talking about five ways to get your money in order for 2026.

00:02:10.000 Let's go.

00:02:10.000 Let's get into it.

00:02:53.000 What's up, guys?

00:02:54.000 Welcome to the Freshly Podcast, man.

00:02:55.000 We got it back.

00:02:55.000 Money Monday.

00:02:56.000 I know some of you guys are probably wondering, hey, why don't we have Roger here?

00:02:58.000 Roger's going to be here probably not next week because we've got a guest next week, but it's probably going to be the 26th.

00:03:03.000 He's handling some stuff right now for me, guys, legally, with one of my properties, which, you know, actually it's going to end up being a really good story for you guys, a telltale, a cautionary tale.

00:03:14.000 So it'll be, put it this way.

00:03:17.000 You guys are going to have more information.

00:03:18.000 Uh, I learned something big from, uh, this situation that we're dealing with right now, but it's good because it's going to be a learning situation that we could put out.

00:03:25.000 Isn't it funny?

00:03:25.000 Real estate seems very simple, but it could be very complex.

00:03:28.000 It's a lot of work, dude.

00:03:29.000 Um, especially once you start getting more doors, uh, it's, it starts to become extremely time consuming, right?

00:03:29.000 It's a lot of work.

00:03:34.000 I got a manager, Roger handles all my stuff.

00:03:36.000 Um, but yeah, we'll go ahead and show you guys like, you know, Buying real estate, managing real estate, things that you should be looking out for or not be looking out for when you're making a purchase, things that could be a pain in the ass later on.

00:03:53.000 Getting tenants out, all that stuff, dude.

00:03:53.000 Getting tenants out of your crib.

00:03:55.000 I've dealt with all that bullshit over the past couple of years, so I'm really excited to finally bring that information to you guys.

00:04:00.000 But it's going to be a very thorough show.

00:04:02.000 So don't worry, he's gonna come with the numbers and everything and it'll be good.

00:04:05.000 Um, and sorry for the delay, guys.

00:04:07.000 I was in an X-Space debating, uh, with Dan Bilzerian about this ice shooting situation.

00:04:11.000 So obviously I didn't want to, like, run like a, like a bitch. 1.00

00:04:13.000 Uh, cause I was literally about to get off as he joined in the space.

00:04:18.000 And, you know, we had a discussion on that thing.

00:04:21.000 Obviously, as you guys know, I already gave my position on that whole shooting.

00:04:24.000 It's a clean shoot no matter how you slice it.

00:04:26.000 People get offended and, you know, make immoral arguments, but that's not really what matters.

00:04:30.000 What matters is what is a reasonable shoot from under the eyes of the law and that's what he's going to be judged under you know, for the most part.

00:04:36.000 And the reality is, yeah, you know, I mean, the Trump administration thinks so.

00:04:39.000 Many law enforcement officials think so.

00:04:41.000 You obviously got some okies out there that are pissed off like, oh, this is so messed up.

00:04:45.000 He murdered that woman. 0.70

00:04:45.000 This is a travesty. 0.70

00:04:46.000 Well, you know, don't go ahead and run into people with cars.

00:04:49.000 A car is considered a deadly weapon.

00:04:51.000 So You know, any way you slice it from a legal perspective, he's pretty much going to be covered.

00:04:55.000 But hey, it is what it is.

00:04:57.000 You know, a lot of moral arguments that were made, but from a factual basis, it was a reasonable shoot.

00:05:01.000 And that's what he's going to be judged on.

00:05:03.000 But yeah, today's episode obviously is on the five things that you need to have in place for 2026.

00:05:08.000 Shout out to Fresh for cultivating a majority of this list.

00:05:11.000 It's a brand new year, man.

00:05:12.000 You want to give them a quick little thing on?

00:05:15.000 So, guys, we've been doing this show for five years now, Money Mondays, basically, and people have been always answering the question, how do I do better, make more money, and still save for any day?

00:05:15.000 Of course.

00:05:27.000 However, most of the time, you guys see us in Miami, you know, doing our thing, but you don't see how we budget, how we save, how we actually, you know, we invest all the time.

00:05:37.000 Despite the fact that we've been demonetized for two years.

00:05:39.000 Guys, no other YouTube channel would be able to exist the way that we've been able to exist and survive without AdSense.

00:05:39.000 Yeah, yeah.

00:05:46.000 We haven't just been able to survive, we've been able to thrive and really make the show better despite YouTube turning off the monetization on us because they're bitches, but that's a whole other conversation. 0.99

00:06:00.000 And when I started budgeting, I thought I was good.

00:06:03.000 Myron's got to hear.

00:06:03.000 No, no.

00:06:04.000 I'm not that close to Myron, bro.

00:06:05.000 Well, I don't even budget.

00:06:06.000 I just don't spend a lot.

00:06:07.000 When you don't spend a lot, you don't have to budget.

00:06:09.000 There you go.

00:06:09.000 That's my way.

00:06:10.000 It's like kind of retard-proof. 0.99

00:06:12.000 Because if you simply don't spend, if you spend less than you make, then you're going to be fine, right?

00:06:19.000 Budgeting really comes into play when you're trying to, you know.

00:06:24.000 I guess the max which for me. I try not to do that I try to spend very little on my personal stuff if anything is just for the show and make the show better But um, but yeah, dude, I mean most youtubers wouldn't be able to exist But hold on for you guys watching though the average Joe small just like us Because guys man, no mistake.

00:06:24.000 Take your paycheck.

00:06:40.000 We're still human beings as well.

00:06:41.000 We still have the same issues the same problems But a little more you know finesse.

00:06:47.000 Anyhow, the point is that like right now what's happening with AI? And job loss is crazy.

00:06:51.000 I got friends in tech, I told you guys this before, they have the master's degrees, all these qualifications, and they're getting fired day by day.

00:06:59.000 And getting a job is hard because, guys, the industry is cooked.

00:07:02.000 There's at least a cloud code program that's going to eliminate most programming jobs.

00:07:09.000 So, I mean, this is crazy, guys.

00:07:11.000 But by any means, tech always leads the industry.

00:07:14.000 What happens next with tech is other industries as well.

00:07:17.000 So, Uh, you gotta budget from now, because if you don't budget from now, you lose your job, what are you gonna do? You know what I'm saying?

00:07:22.000 So fellas, we got five things we could cover here today.

00:07:24.000 What is it, you and Gary said people only got like, what, three years to make as much money as possible?

00:07:28.000 By 2030, we're all cooked, bro.

00:07:30.000 Like, okay, look.

00:07:31.000 Remember, TikTok was booming, right, with creators?

00:07:34.000 You can go on TikTok, make a video.

00:07:35.000 You gotta pay a dollar per view, pretty much, right?

00:07:37.000 Yep.

00:07:38.000 You know how much you're paying now, per view?

00:07:40.000 20 cents.

00:07:41.000 Nigga. 1.00

00:07:42.000 Because you can automate content now.

00:07:46.000 I've seen a lot of AI channels pop up on YouTube and shit.

00:07:48.000 I'm in rooms with people that I shouldn't be in.

00:07:50.000 Now I can say shit because I'm not training.

00:07:53.000 YouTube is cut, bro.

00:07:54.000 I'm just going to keep things transparent.

00:07:56.000 I can say shit now because I'm free.

00:07:59.000 But even YouTube itself is doing AI automated checks.

00:08:03.000 Which means with the algo, it's no longer humans saying, you know what, let's bypass this.

00:08:06.000 It's like an AI robot saying, okay, this is an AI slop.

00:08:10.000 I think it is. Ban it. Terminate it. So guys, even content that may be considered Safe, if it's considered AI slop, it's gone now.

00:08:18.000 They're banning a lot of YouTube channels for that shit.

00:08:19.000 The whole system itself of social media, online money is changing day by day.

00:08:26.000 So nobody's safe, fellas.

00:08:27.000 Not even the guys you see at the top, because their shit could fall down tomorrow.

00:08:30.000 But to make things more hopeful, here's some things today you can do to kind of prepare for this, right?

00:08:35.000 So number one is going to be pretty much rudimentary, and it's increase income as much as possible.

00:08:42.000 We're counting down from five to one, right?

00:08:44.000 Five to one, yeah.

00:08:44.000 Okay.

00:08:45.000 Five most important things.

00:08:46.000 We've also displayed this as well on the show, but we'll just keep it for this one, no video.

00:08:50.000 And it's because this is very important.

00:08:52.000 Income, guys, is very important for everybody, whether it's the rich, poor, well, my class is gone now, but you get the point.

00:08:59.000 And it's because, guys, without money, we can't survive.

00:09:02.000 And ask anybody that's ever sick or has an issue that they can't solve, most of the time it's money that's going to solve the issue.

00:09:08.000 So you're asking the question, how do you increase income?

00:09:11.000 Well, we do a show called Money Mondays every Monday, talking about things you can do. There's e-commerce, there's our boy Alex with the land flipping, many options you can do. However, the most simplest one we've found works very well, people, is Uber. Now, Uber Eats is one thing as well, but Uber itself is pretty good because, guys, I did Uber back in the day. For two years, actually. I did Uber and my job. If you didn't do Uber, I definitely did. Now, mind you, I had three jobs. I had Chick-fil-A, AT&T,

00:09:38.000 and Uber. So I created income for myself because I realized one job was not enough. $7 an hour? Yeah, bro, I can't survive off of that. Even though I was ordering Chipotle every day, it wasn't really money I could save from after that. So I had my two jobs and Uber. So you're fresh,

00:09:53.000 bro. Uber's beneath me. Well, my friend, guess what's also beneath you? Being broke and not having enough income. So Uber is one thing I can recommend. It's pretty easy. You have a car. By 2020 and up, you should be good to go. It's five years down, I believe, or seven years down. One of those two years, but anything below 7-5 years, you should be good. At that point, sign up for the app and drive. Now, I'm not saying doing it all day. No, I'm saying doing it especially during holidays,

00:10:20.000 you can get 10x or 5x the actual pay from Uber, but also look at weekends. Everyone wants to party and they want to drink. So what does that mean for you? More money because if they're drinking, they don't want to drive. So I'm just saying, guys, as an extra step to make some extra income. He gets Uber as well. I have two more bellies. I didn't do this as well, but one more point. I mean, the thing is, a lot of you guys don't have a saving problem. Well, a lot of you guys do have a saving problem,

00:10:47.000 but also it comes down to having an income problem. You have to make more money, bro. In today's day and age, with the way how things are expensive, we got instability all over the world. The US dollar, you know, is no longer the titan that it once was in a world stage.

00:11:04.000 We see financial institutions buying more gold.

00:11:08.000 Whenever they buy more gold, you see the price of gold shooting up this year.

00:11:11.000 That tells you that things are not as stable whenever gold goes up in precious metals in general.

00:11:16.000 They're talking about invading Greenland.

00:11:18.000 Obviously, we just went ahead and went into Venezuela.

00:11:21.000 Yes, there are going to be some short-term benefits, economic benefits for us, but long-term, this is absolutely going to – and the reason why they invaded, by the way, also, as you guys know, is because the hegemon of the U.S. dollar has been challenged.

00:11:32.000 That's why we did.

00:11:33.000 So the only thing that you can really do, guys, at this point, is take these next couple of years to earn as much money as you possibly can.

00:11:39.000 That means working two, three jobs, do it, okay?

00:11:43.000 Guys, you have four years left, by the way.

00:11:45.000 Yeah.

00:11:45.000 Go ahead.

00:11:46.000 Yo, former – fellas, fellas.

00:11:48.000 there's an economy where people are so above the grade, we're like, they don't have to work anymore. But us? Bro, we have four years. Think about it. What was the American dream? White picket fence. Yep. Nice house. You and the wife and two kids. Right? That was the American dream. Yep. A great job. You could pay for your mortgage,

00:12:05.000 get a car or two for the family, go on vacations. Now what's the American dream? Just surviving, my nigga. Yo, dude. Nigga Ramsey. This shit's real, bro. Like, imagine this, right? People can't even afford to pay for their cars anymore. The repo rate is so high now,

00:12:22.000 guys. It's times five what it used to be in a recession. So, imagine the end of this year. And by the way, Here's the hack. They call it the Clorna hack. You know what the hack is? The Clorna? Yeah, it's a TikTok going around where you can get someone's social security number, make an account under their name, and max out the Clorna account. 10k plus. It's a hack, so to speak, bro. You're going to go to jail, my nigga. That's jail time, bro. All jokes aside, bro, you're going to jail,

00:12:50.000 bro. Remember the Chase Bank app? Oh yeah, I'm going to use it. Oh yeah, yeah, yeah. When they were doing that play, I remember that. Guess what's happening, bro? Really, nigga? Niggas are in jail now. So listen, all these toxic gays are doing, bro, won't work, Bro, it takes hard work and responsibility and discipline to make more money. 1.00

00:13:10.000 Remember the dudes that went to jail for the Edd?

00:13:11.000 Yeah, but niggas made a song called Edd Bro uh, ppp loans? 0.99

00:13:16.000 Yeah, man guys, you may look good in the moment guys yeah, that show's hilarious.

00:13:20.000 Bro, guess where they're at?

00:13:21.000 Yeah, I mean popping bottles, getting yachts?

00:13:23.000 Yep, for how long niggas got cooked? 1.00

00:13:25.000 Four months, five months, and then feds got them and then they're gone cooked.

00:13:28.000 So fellas, all these taxes online, don't even try, bro.

00:13:31.000 You're gonna go to jail, nigga. 1.00

00:13:32.000 Now all i'm saying is we got limited amount of time left so listen, girls are always gonna be there. 0.99

00:13:37.000 Actually, better.

00:13:39.000 Yet when you got money bro, guess what's gonna happen?

00:13:41.000 You know the top dog, because where do they go?

00:13:43.000 They're homeless, nigga. 1.00

00:13:44.000 They need some food.

00:13:45.000 bitch. You want some food? Get on your knees. I'm just kidding. I'm just kidding. What the fuck? Stupid. The point is, bro, is I'll let you know. This nigga fresh. You want the power? So, keep that in mind, bro. Just saying. Yeah, Yeah, crazy. 1.00

00:14:01.000 But yeah, you guys, earning problem is a big issue for most people.

00:14:04.000 I mean, a lot of you guys have saving problems as well, but it comes down to an earning problem, man.

00:14:09.000 All right, number four.

00:14:09.000 Yep.

00:14:10.000 All right, gain as many assets as possible before 2030.

00:14:15.000 Now, fellas, real estate used to be our main thing.

00:14:18.000 Gun hole, buy real estate, no questions now. 0.89

00:14:20.000 Still is for me.

00:14:21.000 But yeah, you know, you got to be nuanced about it too.

00:14:24.000 But you need money to survive.

00:14:26.000 Because, okay, I get what you're saying, real estate, because it's easy for us to get into.

00:14:29.000 But to maintain a period of time for loan periods, bro, you need money, bro.

00:14:33.000 For repairs, issues, bad tenants.

00:14:33.000 Yeah, yeah, yeah, for sure.

00:14:36.000 You just don't know what can happen, bro.

00:14:37.000 Like, it's unpredictable.

00:14:38.000 Yeah, you got to have a reserve.

00:14:40.000 Like, Murphy's Law?

00:14:42.000 For, you know, for fixes, for tenants not paying rent.

00:14:44.000 and all that other stuff because, yeah, dude, it's, yeah, there's a lot of headaches that come your way.

00:14:50.000 Bro, I had a roof issue, right?

00:14:52.000 I sent someone up there to go look at the roof.

00:14:54.000 I need a whole new roof.

00:14:55.000 Yeah, 10 to 20K, easy.

00:14:56.000 That was 12K.

00:14:57.000 I got a discount because I knew the guy.

00:14:57.000 A roof, yeah.

00:14:59.000 Yep.

00:14:59.000 So, bro, imagine.

00:15:01.000 I had to pay like 20 for mine or 20 or 30, bro.

00:15:03.000 For a roof, yeah.

00:15:03.000 Really?

00:15:04.000 You should call me, nigga. 1.00

00:15:05.000 Yeah.

00:15:06.000 Well, it was here, but forget this.

00:15:09.000 Imagine you just bought a house, bro.

00:15:11.000 Your last month of money.

00:15:12.000 Yeah, mom and dad, we got a house.

00:15:13.000 We're good to go.

00:15:15.000 Plumbing issue.

00:15:17.000 Roofing issue.

00:15:18.000 What are you going to do?

00:15:18.000 Yeah.

00:15:19.000 Remember, now you're the landlord.

00:15:20.000 You got to pay.

00:15:22.000 So, I'm just saying for assets itself, start where you can actually manage it because maintaining an asset is not easy.

00:15:28.000 especially real estate. Now, stocks, I'm saying, crypto, so to speak, these are more like, I would say, less of a burn. But again, property can be costly. Now,

00:15:40.000 I got a video to play here as well with assets. I believe the one, Bill, we have there is in the chat. Let's see real quick. For number four? Yes! This one here is from our friend on TikTok and he goes through five things you can put your money into now to survive this coming crisis. Here we go. The only five places to put your money in 2026 once you get your paycheck. My name's Steve. I'm a former public school teacher turned millionaire now teaching finance. And guys,

00:16:08.000 I made a tweet earlier today, right? On X. I mentioned some funny things there, but one important thing I put there was learn like an Asian. Listen, fellas, I know a I'm going to be black, But coming very soon, Rush Hour 4, with your boy starring Jackie Chan.

00:16:29.000 All right.

00:16:33.000 It's online, so you don't have to pay for it.

00:16:35.000 First, I would only put enough money into my checking account to cover for two months of expenses.

00:16:40.000 Nothing more than that.

00:16:42.000 Two, I would use any of these tools here to keep track of my finances and put away around $500 a month into a high-yield savings account to build at least a three to six-month emergency fund.

00:16:51.000 These are the ones that I like right now, or you can comment savings and I'll send you my favorite ones for this month.

00:16:56.000 And if my company didn't have a match, I would most likely skip this step.

00:17:00.000 Four, I would open a Roth IRA with any of these brokerages and contribute around $500 a month and invest it into a low-cost index fund.

00:17:07.000 Pause.

00:17:07.000 These are the ones that I...

00:17:09.000 So there's some index funds here that we have as well.

00:17:13.000 I'll tell you guys what I use right now.

00:17:15.000 Let me open up my brokerage account right now.

00:17:17.000 I'll help you guys out with this one.

00:17:18.000 And VU is the tech one, right?

00:17:20.000 VU, I think, is the S&P 500, if I'm not mistaken.

00:17:20.000 VU?

00:17:23.000 And VTSAXX is...

00:17:24.000 Okay, so you know what we need to do?

00:17:26.000 We need to do an episode for them on index funds and ETFs.

00:17:29.000 Maybe that'll be after Roger.

00:17:31.000 Yeah, we could.

00:17:32.000 Because it's been a while since we've done an episode for you guys on that.

00:17:34.000 So look, guys, there's many different brokers that you can use.

00:17:36.000 Vanguard, Videlity.

00:17:37.000 It doesn't matter what brokerage you use.

00:17:39.000 What you do need to know is invest in an index fund, right?

00:17:39.000 Yeah.

00:17:43.000 Because index funds, man, it's reliable.

00:17:49.000 Computer does it for you, right?

00:17:51.000 It does better than a lot of these financial advisors.

00:17:53.000 Nice and simple.

00:17:54.000 You could just kind of set it and forget it.

00:17:55.000 And what I have right here...

00:17:57.000 So let me...

00:17:58.000 I'll literally show you guys what my portfolio has in here.

00:18:00.000 I have...

00:18:03.000 I invest in VTSAXX and VU.

00:18:05.000 VU...

00:18:06.000 I invest in VTSAXX and VTSAXX.

00:18:06.000 and this is for Vanguard. But there's going to be Fidelity. There's going to be all these different ones that have their own code. For something that follows S&P 500 and something that follows the entire stock market. That's what I have. I have, I think, And VTSAX and VU, let me pull it up here for you guys.

00:18:22.000 But you were going to say something?

00:18:23.000 Yeah, but also, guys, he mentioned before how you'll save his accounts.

00:18:26.000 Guys, putting money in bank is an L. At least you can get up to 4% max on your money in how you'll save his account.

00:18:32.000 And guys, just have one, bro.

00:18:34.000 Putting all the money in bank is pointless.

00:18:36.000 So I have VU, which is Vanguard S&P 500 Index ETF.

00:18:39.000 And then I have VTSAX, which is Total Stock Market Index.

00:18:44.000 So those are the two things I invest in because they're very safe.

00:18:47.000 Like, S&P 500 is the top 500 companies in America.

00:18:47.000 Because S&P 500 is the top 500 companies in America.

00:18:50.000 Think of it as, like, you have, like, an assortment of all the top.

00:18:50.000 Think of it as you have an assortment of all the top.

00:18:53.000 Like, if you were to, like, look at it, like, physically, the S&P 500 is, like, a cookie, like, a mix and match of all the top cookies.

00:19:01.000 Right?

00:19:02.000 If one cookie starts to do bad, it doesn't matter because that decline is going to be absorbed by the others.

00:19:07.000 So it's a very stable thing to invest in because if, bro, if the S&P 500 crashes, bro, we're cooked.

00:19:12.000 That's the top 500.

00:19:13.000 We got way bigger problems.

00:19:14.000 This is zombie apocalypse probably.

00:19:15.000 And then VT Sacks is the entire stock market.

00:19:18.000 So these are things that, you know, you're typically going to get easily a 10% return, historically speaking.

00:19:24.000 Yeah.

00:19:24.000 Imagine putting your eggs in an all-one basket.

00:19:26.000 and it drops.

00:19:27.000 Yeah.

00:19:27.000 At least this one has many more baskets.

00:19:28.000 Yeah.

00:19:29.000 So I do S&P 500 and the total stock market.

00:19:32.000 I think those are the safest ones that you could put in.

00:19:34.000 Put in, you know, a couple hundred a month, whatever you can afford.

00:19:37.000 Whatever you can.

00:19:38.000 That's not going to make you lose sleep over it.

00:19:40.000 And, you know, just kind of let the...

00:19:42.000 And then reinvest the dividends.

00:19:43.000 That's another big thing.

00:19:44.000 Reinvest the dividends, guys.

00:19:45.000 Do not sit there and invest and be like, yeah, let me go ahead and take the profit.

00:19:48.000 No, reinvest all the dividends and you'll thank me in about 20 years.

00:19:52.000 Yep.

00:19:53.000 And what's the next one?

00:19:54.000 Oh, no, sorry.

00:19:55.000 Sorry, we're almost done here.

00:19:55.000 We're almost done here.

00:19:56.000 Oh yeah, the video.

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

00:19:57.000 Yep.

00:19:57.000 Yep, I invest in my portfolio, but you can invest in whatever you're comfortable with.

00:19:58.000 Invest in my portfolio, but you can invest in whatever you're comfortable with.

00:20:02.000 Five, I would open a taxable brokerage account and repeat the same exact steps in step four.

00:20:06.000 And if this video helps in any way, like and follow so we can have a safe place to learn about money together.

00:20:11.000 All right, these are shout out to him, yeah, can't go wrong with the S&p 500 exactly, and it's safer.

00:20:16.000 Yeah because guys, property man, you know, as you know bro, it could be very expensive.

00:20:20.000 So, just just to be honest with you guys yes, property is amazing.

00:20:24.000 Benefits obviously, you know.

00:20:26.000 Write-offs, it's amazing.

00:20:27.000 And also another tip, treat it like your crypto portfolio man.

00:20:30.000 Just put the money in and don't look at it bro, because if you're going to be looking all day in there, you're going to get anxious and shit.

00:20:34.000 Like bro, just put the money in and set and forget it.

00:20:38.000 Yeah, set in and forget it, man.

00:20:38.000 Yeah, set and forget it man, like I have it where every month it takes out a certain amount uh, from my checking.

00:20:39.000 Like I have it where every month it takes out a certain amount from my checking.

00:20:43.000 Uh, that goes, a portion goes to uh, the S&p 500, then another portion goes to the um and total stock market index and that's it.

00:20:44.000 A portion goes to the S&P 500, then another portion goes to the total stock market index.

00:20:50.000 And that's it.

00:20:51.000 I just kind of just sit there.

00:20:52.000 And look, when the stock market goes down, it's going to go down, bro.

00:20:54.000 You're going to be stressed and seeing all the red.

00:20:56.000 But just invest and set in and forget it, bro.

00:20:59.000 Because we know the S&P 500, very predictable, very safe.

00:21:07.000 We're talking about a 10% return pretty much in general.

00:21:11.000 Also, guys, we're on Spotify as well, man.

00:21:13.000 The link is actually in the chat on Rumble.

00:21:15.000 Gold Falls on Spotify.

00:21:16.000 If you're in a car, you're a trucker, you can listen to us on the road.

00:21:19.000 That's very important.

00:21:19.000 Thank you for saying that.

00:21:20.000 We are now back on Spotify, guys.

00:21:22.000 Moe is uploading every single day.

00:21:23.000 Yep.

00:21:24.000 Okay.

00:21:24.000 after the stream, he's uploading it right up to Spotify, so if you guys want to listen to us, etc., we're going to be everywhere, and you guys will be able to find us. The old Spotify, I don't think it works, so we have to make a new one. New one, yeah. Yeah, so we have a new one, and the link is below all of our links. Oh, merch store as well, guys. Merch store is up. Can we accept payments yet, brother? Yeah. Now we can accept payments, so go ahead and get in that merch store, guys. You guys want the Fresher Fit merch, a lot of the historical stuff. We redid them, and we got a new store, so make sure to go ahead and get the merch over there, man. But we're taking over 2026,

00:21:53.000 man. We're not kidding around. We're going hard this year. We're going independent this year. We're going hardest in the paint, bro, so this year we're taking over. But Spotify, we're there for sure. Whether YouTube decides to work with us or not, we can't delay much longer, man. We just said, you know what? Screw it. It is what it is. We got to cook, man. We got to cook,

00:22:07.000 and we got to help you guys out. Yep. So, that's what we're here for. Four more years left. We got next. Pay off or pay down high interest debt. Now, guys, debt is something that can be used correctly or incorrectly. Ask Dave Ramsey. He knows very well. But, of course, it's Nicky Ramsey who will tell you the truth as a black man. So, listen, bro. Debt itself is not a bad thing if you use it in the right ways. Now, most people use their credit card debt, personal loan debt,

00:22:35.000 for dumb stuff. I've been there before. You know what I'm saying? I bought a motorcycle with some personal debt. Not smart. I bought a car with some dumb shit too. But! I feel trapped. When you have bad debt, bro, you feel like you're like a weight is on your shoulders. You feel like you can't breathe because the money you would have spent otherwise is going towards debt. Now when you're free though, financially free, and you're debt free, you can focus on investing, putting money aside for yourself,

00:22:59.000 and even vacations if you want to. But again guys, going on vacation when you're in debt? Nigga, that's stupid. Not smart at all, because now you're going further in debt because you've got to buy food, hotel. So I've got friends, man, that have pretty good jobs, but a lot of debt. They travel all the time. I'm like, you're in Tulum, you're in Mexico? Why are you here? But again, they want to have fun. Girls, I get it. The problem is, fellas, is at some point,

00:23:25.000 you reach your max threshold for your debt. Interest is going to accrue, and it doesn't stop very easily. Let's go ahead and kind of give them a priority of what they should be paying. So, number one, guys, is if you have debt, right, you've got to prioritize it as to what the best thing to attack is. First is going to be hard money loans. Those tend to be the most predatory. Those tend to have the highest interest rates. Pay that off first, okay? These hard money loans, they make the interest rates extremely high on purpose.

00:23:55.000 Do your best to pay that off.

00:23:56.000 I don't care if you've got to fucking take a loan from somewhere else that's at a lower interest rate to pay that off because a lot of these loans are extremely predatory.

00:24:03.000 And they go after you a lot of the time.

00:24:04.000 And they tend to be given to people that have bad credit, whatever.

00:24:07.000 So that's number one.

00:24:08.000 You want to take that out first, right?

00:24:10.000 Hard money loans.

00:24:11.000 Second, I would say is credit cards.

00:24:12.000 Credit cards tend to have anywhere between 17 all the way up to damn near 30 plus percent interest rates.

00:24:17.000 You want to pay that off next.

00:24:19.000 Then it would be...

00:24:20.000 Well, just add credit cards.

00:24:21.000 You can pay a minimum amount to keep it stable on, I would say, relevant because a hard money loan, if you don't pay it exactly the same time, it's going to screw you over.

00:24:30.000 For sure.

00:24:30.000 Credit cards, you can pay the minimum amount and skate through a little bit, but that's the way you've got to pay it off.

00:24:34.000 Yeah.

00:24:35.000 So in order of paying off, hard money loan for sure.

00:24:38.000 Add that out as credit cards.

00:24:39.000 then what would you say is third? Card debt. Oh yeah. Guys, okay, okay. Okay, go ahead. Hey nigga, this is where I got cut, bro. Hold on, this is some factual stuff here, man. Side of car business, right? It did pretty well for a little bit, but as car prices go up and down,

00:24:53.000 Things happen. I had kid you not, fellas. This is me being transparent here. That's on my as well. $500,000 in debt for my car business. I'm going to pay it off this month. Finally. Fellas, it was bad. Owning cars, warehouse, it's a lot of shit, bro. Now, mind you, I feel that the car business, however, I learned so much now, if I do it again, it won't happen again. But keep in the road, you guys. You want to tell, it was like a car rental business,

00:25:23.000 right? Car rental business. I did also exotic repairs, everything. But, um, low-key, I learned so much about cars that now, I won't get fucked over ever again. Now, mind you, I'm a nice guy. People took advantage of me, of course, but it is what it is. But now I know what to do, and we're better off. However, what I do, I lower my expenses, I pay that debt off slowly but surely, and it's my last month paying off this $500K of that. Now, mind you guys, if I was done with money, like, fully done with money, I'd be cut because, remember,

00:25:51.000 I gotta pay for my regular stuff plus that debt. So here's why I say, like, car debt itself is bad because it's a slippery slope because it starts off, okay, I got a car. Great. But repairs, issues, and guys, not to mention the payment.

00:26:07.000 The payment itself stays with you for a long time.

00:26:10.000 Now, I don't know about you guys, but when I get a car, in a year or two, I want a new car.

00:26:15.000 So at some point, you're going to want a new car, and then what are you going to do?

00:26:18.000 Roll over that money to a new car and add on to it?

00:26:20.000 So you would say hard money loan, credit cards, then focus on getting your car paid off?

00:26:26.000 Yep.

00:26:27.000 Even if they got a favorable interest rate, you would say?

00:26:27.000 Sure.

00:26:31.000 If it's below...

00:26:32.000 Yeah, give them parameters of when they should...

00:26:34.000 4%, you got a really good loan for that.

00:26:38.000 But mostly, they're over 7%.

00:26:39.000 So either way...

00:26:41.000 So anything over...

00:26:42.000 So the trigger point for you...

00:26:43.000 7% or above, now that thing is in a hierarchy of payoffs.

00:26:43.000 7%.

00:26:46.000 100%.

00:26:47.000 Yeah, but guys, again, cars are honestly not that special.

00:26:47.000 Okay.

00:26:53.000 I'll tell you this, bro.

00:26:53.000 I've had every car you can think of, and you know the worst part?

00:26:56.000 You can drive your car down the road, right?

00:26:58.000 And then you get hit by somebody.

00:27:01.000 Your insurance goes up.

00:27:02.000 Nigga, how about three? 1.00

00:27:03.000 Yo, I happened to you twice.

00:27:04.000 Nigga! 1.00

00:27:05.000 Bro, bro, bro, bro, bro, bro.

00:27:07.000 Go ahead, tell them, tell them.

00:27:08.000 Yeah, yeah, yeah.

00:27:09.000 I can tell niggas what's up, right, bro? 1.00

00:27:10.000 They're telling this about Zodacar.

00:27:11.000 bro. This is actually real shit. I want a shorty in my car, right, bro? We're going to the gym. I get hit in my Aston Martin. Nigga, my car's down. Mind you, I still got to pay for the car payments, and the insurance. Even though I'm driving the car, it's been a month and a half now. They're repairing it, Whatever, guess what happens.

00:27:26.000 It wasn't my fault, I was going straight.

00:27:28.000 I should post on twitter, you guys should post on twitter.

00:27:30.000 And this guy in a writer truck hit me from the side.

00:27:33.000 Mind you, I got back pain, nigga. 1.00

00:27:35.000 I'm like in shock.

00:27:36.000 I'm like bro, this can't be serious, mind you, that's one car, the Lamborghini Ventador.

00:27:41.000 My first week getting the car bro, on the South Beach to meet um, who's gonna go meet somebody for a stream?

00:27:47.000 I remember that day yeah, and bro, a literal, i'm gonna say the word gay nigga coming from work smacks into me bro, from the back. 0.91

00:27:59.000 Pause pause, big pause, bro.

00:28:01.000 And i'm like nope bro, this might be a joke.

00:28:05.000 So i'm like you know what, all right bro, you know what i'm gonna say, yeah we yeah, have that shit ready to go.

00:28:11.000 I'm gonna stay calm, I come post a nigga, I'm furious, bro, but you know, if I like a nigga, bro, I'm wildin'. So, I'm In my head, but I didn't do that, though. I'm like, sir, I understand. You know, no problems. I'll fix it. And your car, don't stress. Because, you know, if I call the police or whatever, where's my insurance? Here's the insurance. And it's a limited car. It's 500, I think, 0.99

00:28:38.000 in production of an SVR or 600. Anyhow, guess what he does? I'm scared! Calls the police. I'm like, bro, nigga, I fixed your car for free, bro. What are you worried about? Anyhow, I hit the line of bikini. I'm scared. Let's get swapping. There's my insurance, And I got a Carfax on my car now.

00:28:56.000 So when I go sell it, I lose 140K.

00:28:58.000 Bro, nigga. 1.00

00:29:03.000 Nice cars.

00:29:04.000 And that was the SVJ, right?

00:29:05.000 That was the SV.

00:29:06.000 Nice cars are amazing, bro.

00:29:06.000 Yeah.

00:29:07.000 But, like, the things that happen to those cars, bro, could really mess you up.

00:29:10.000 So listen, I'm just saying with cars, fellas, an accident can mess up your entire car investment, so to speak, just from one person being dumb.

00:29:20.000 And not too much in my motorcycles, bro.

00:29:22.000 That was even worse.

00:29:22.000 I was drunk, ran a light, hit me.

00:29:25.000 So I'm just saying for cars, man, like, focus on getting a car that works for you, working back.

00:29:30.000 And that's crazy because, guys, it could be a really bad investment if you get hit or something like that.

00:29:35.000 So get cars or whatever.

00:29:37.000 at this point for me. And I'm glad that we got 3,000 of you guys in here for Money Monday, man. I appreciate that, guys. So, guys, like I said, bro, we're going to keep giving the value. Like I said, I know that these shows don't typically do. The greatest, but I've noticed that this creates the greatest impact, And, you know, some of this advice might really help you guys out.

00:29:54.000 So going back to the priority of paying things off.

00:29:57.000 So number one, high interest, hard money loans, right?

00:30:02.000 God forbid you have to take one out, but we understand all of us end up in situations where we might need to get ourselves out of a bond, right?

00:30:09.000 Second is credit cards.

00:30:10.000 Third is a car if it's over 7%.

00:30:12.000 Yes.

00:30:13.000 Yes.

00:30:13.000 Right?

00:30:14.000 What would you say is after that?

00:30:16.000 After cars, maybe like personal loans.

00:30:19.000 Actually, personal should be before cars because if personal has a high interest rate.

00:30:23.000 It depends on the interest rate.

00:30:23.000 You got to really go off interest rate.

00:30:25.000 Yeah, right.

00:30:26.000 Interest rate typically dictates, but in general, these things, hard money loans almost always have the highest interest rates.

00:30:32.000 And then credit cards, then your car, if it's over 7%, they do that.

00:30:37.000 Guys, before you go buy cars, well, guys, please don't buy a new car.

00:30:40.000 Yeah.

00:30:41.000 Okay, listen, niggas. 1.00

00:30:42.000 I know I stutter sometimes, so you understand what I'm saying.

00:30:45.000 Understand this, bro.

00:30:46.000 A new car will fuck you up.

00:30:48.000 bro. Because you know what's going to happen with new cars? Did they just buy old car cash, bro? Is that the best move? The cheapest new car, average, is $50,000. And that's a Toyota, Honda, Hyundai. Bro, you're cooked. So imagine you're going to be paying for that car for five years at an 8% interest rate, plus insurance, plus incidentals. Guys, that money could have been put into S&P 500, real estate,

00:31:12.000 or even a single stock. Crypto? Crypto? Whatever. Fellas, trust me, I've made all these mistakes to tell you guys up front, don't do it, bro. New cars are terrible, bro. Get a used car. Used is the best? A pre-owned used car that's been tested. So what's the ideal situation? Buy it cash or buy it with a loan? Here's what you do. If you can pay cash,

00:31:33.000 amazing. You're in the best spot possible. You just did something that most people can't do, and you have no car payments. You're free. If you go and get a car with a loan, then you bring a mechanic, of course, for both Loan car. But with a loan car, make sure because, again, if you buy a car with a loan and it's issues with that car, bro, you're going to pay a car, interest, So even if you buy from a dealership, bring a mechanic? Even if. Because you never know. So yeah, it's a good car. And then a week passes by,

00:32:03.000 something goes wrong with the alternator, what are you going to do? You should have bought the car, bro. Yeah, fair enough. And then, I guess, college loans are probably going to be at the bottom. Chat? Your college loan debt? That's going to be at the bottom because college loans tend to be pretty low interest rates. Yeah. So I would say that's the bottom,

00:32:19.000 obviously. And then paying your house off, look, that's a slippery slope because it really depends on did you get a good interest rate, right? Like if you got a good interest rate, you got, you know, sub 4%, you know, it's like damn near. I wish I didn't pay mine off. You know, do you have a triplex or a duplex? It's like someone paying your rent off for you. If the interest rate is good and you've got like a multiple unit property or something like that, that's different. Well, if you're renting,

00:32:47.000 you're going to have to pay that no matter what. But if you're house, I would say that's lower on the totem pole too. But I would say the top three to pay off for sure, hard money loan, credit cards, and then a car payment if it's over 7%, like First said. Also, when it comes to cars, guys, if you want a nice looking car that's reliable, Lexus. I've seen many millionaires that are successful have Lexus in their garage. Maybe a Mercedes, and that's it. And I'm like, why don't you buy a Lambo or a Ferrari? What's wrong with y'all niggas? It's because it's comfort. They can go any place they want to go to, 1.00

00:33:14.000 won't be bothered. Now I understand. And if they get hit, they can go buy another one. Ain't that crazy? But a Lambo? You get hit, bro, you're cooked. Yeah, man. Yeah, bro. So did you say for anyone out there that wants to buy an exotic car and flex, you might as well just own that shit? If I ever buy another one, I'm going to buy cash. Just the pain points of what I've been through and I didn't do anything wrong, bro, my worst enemy, I wouldn't even wish on. I think it's that bad,

00:33:43.000 bro. So you would never lease an exotic ever again? Never again. Even though I get benefits from the tax write-offs? Excuse me, you would never, because you didn't lease it, you were financing it. No, I leased it for the business. So I did get write-offs, but like, it wasn't even worth it, bro. After all that bullshit, I would just buy cash. Okay. Own it outright. Own it outright. Make sure you like it. Make sure it's a make and model that you truly love and you don't want to get rid of? What you should do is rent the car first, drive it for like a day or two, then go buy it. Because the problem is buying exotic cars,

00:34:10.000 you might hop in it for a test drive, oh, this feels good. But a day passes, your back starts to ache, oh, this is uncomfortable. Oh, your bitch is like, oh, this car is not, it's too small. Bro, just get it for a day or two, rent it out, and then go buy it afterwards because you know how it feels. Yeah. And stay away from exotic cars in general. Yeah, bro. Like, honestly, bro, it's not even, fucking fuck that shit, bro. Yeah, bro. Alright. Go travel, man. Hey guys, do me a favor. Guys, 0.97

00:34:34.000 smash that like button for me if you guys are watching on YouTube. We got 3,000 plus of you guys in here, man. Not too bad for our first Money Monday back. I want to get to a point where we got 5,000 watching concurrently. I'll be happy with that. Watching 5,000 concurrently on a Money Monday. You know, so smash that. You weren't here in school. This is personal experience coming from the heart, bro. Nigga, we've been through it. So this is real talk. Yeah. What's the next one? This is number two. On the list? Yep. We got here build emergency fund,

00:35:02.000 especially with AI and job loss coming to your front door. Fellas, I know we mentioned it before I started the show, but job loss is a real thing. Guys, the industries we have today are not actually built to last with AI. AI is here to have companies move at a progressive rate and still have high income For low expenses. That means for us as human beings here,

00:35:25.000 fellas, you're expendable. You always were expendable, by the way. You know your manager at your job would be like, Hey, Joe, you want to go to the bar after for some beers? They're watching you, bro, to see how you act outside of work, to judge you. And then next thing they say, okay, who are we going to fire? Yeah, Joe is a slob at the bar, bro. Get rid of him. Fellas, they're not your friends, bro. Your manager? You what? Not your friend. Your co-workers are your friends. Jealousy, bro. You're doing well at work? They chill with you. So what's up,

00:35:55.000 bro? He's smashing the receptionist at the job. Hey, you know Joe's smashing Susie, right? Oh, really? Company guidelines! Fuck! Just like that. Now you're going for your job. So, fellas, Here co-workers, not your friends Your boss either, your manager Go to work, do your job Go to fuck home bro Anything else over that bro?

00:36:15.000 Nope It's retarded Now, the job loss itself is bad We got a video to play here as well It illustrates what happens with job loss in real time Should be the one Which one? 1.00

00:36:28.000 Yeah, here we go Guys, have an emergency fund man, very important Should have an emergency fund If you don't have one as we get into 2026 That should be your main priority People say 3-6 months I say at least $10,000 This is gonna give you a level of security Just in case you get fired today Pause You aren't fucking panicking I'm a friend Works At least By the way

00:36:54.000 at least 10-12 hours a day. Loves his job. He works in tech. Was fired last month. But he saved his money for a year in case of emergency. Now he's moving to DR to live full time. And because he realized,

00:37:11.000 bro, the America that we knew isn't coming back. What's happening is going to be factories and robots running our infrastructure. Which means most people's jobs, bro, are in danger. And he saw it. He was an AI. So, guys, you need money in case you get fired. Because it's a reality. It's going to happen tomorrow, today, who knows, bro. So just be ready if it just happens to you. Here we go. Smash that like button, by the way,

00:37:39.000 guys. Let's get to it. Pause real quick. This isn't a thought as a teenager. What are the likes at? Let's see real quick. Yeah, let's get a like meter up, too, if we can. Bills, I know you may or may not have the thing still. Guys, let's get those likes up. Let's get 2,000 likes, man. Smash that like button. We're coming back on YouTube. Got to get the engagement up. Okay? This is some of the most important stuff. So, but yeah, we can play the video. Let's get to 2019. I think a lot of people that come out of college are like, oh,

00:38:06.000 I'm gonna work. David in YouTube chat. Yo, he says they're hiring everywhere. Can get it all super easy. Listen, nigga. Tell that to the people that worked for Tyson and I think KY. Bro, their job is gone. Tyson's not gonna be working there anymore in that state. And that state has like what? I think 8-10k people in it? They fired 4,000 people. Where they gonna go now, bro? Like, dude, this is not a joke, 0.99

00:38:30.000 bro. This is real. Yo. They've been suppressing the numbers for so long that no one knows that we're in a recession. Nigga, we are in a recession, bro. Oh, yeah. They tried to change the definition of a recession last year. Dude, they lied. Under Biden. Yeah, I remember. Because you know why? We're chasing the fan. You know what they're going to do? Nigga's trying to change the definition of a recession,

00:38:45.000 bro. Here's some universal basic income. We'll take care of you. But guess what happens now? Now you're not free. You're under their control. Dude, this is fucked, man. They've been lying to you guys for years, bro. But this recession, it is here to stay. It's only going to get worse, bro. Jobs are not easy to find, bro. Hey,

00:39:02.000 it's coming, bro. I'm gonna fire you again, bro. Like, come on. Use common sense. Anyhow, let's continue the video, bro. Sex. Nigga retarded. Whatever. For the next 40 years and nothing's gonna happen, until you experience your first termination, until you get laid off on a random Thursday, 1.00

00:39:17.000 you haven't been saving adequately, and now you're fucking panicking. I am a big advocate for sitting the fuck down and getting your finances right. The same thing that you do every single weekend or your daily habits that cost you a lot of money monthly We'll still be there four to five,

00:39:32.000 six months later. If you can buckle down for three to five months. I live in Chicago. It's cold right now. You don't really have to do shit. You won't miss a goddamn thing. You can get your finances in order. I have a two-year emergency fund. That gives me great security. The whole purpose of an emergency fund isn't to deplete it from $70,000 to zero,

00:39:51.000 but I don't have to stress. If my job says, "Fuck you. We don't need you no more." I'm going to sit on my couch and relax for a little bit. There are plenty of ways to stack money. And I'm not looking for any excuses as to why you can't take on a second. So,

00:40:07.000 two years is really good. If you got a two-year fund, that's great. You know, I think bare minimum is three. I like six. And I think a year is great. But two years is even better. The more you have, the better, man. Honestly. And quite frankly, the harder your job is, like,

00:40:22.000 the easier it is for you to get laid off, the more money you should have around. For sure. You don't know when it may happen. You just never know. Yeah, so but yeah, that's pretty much it for the video Um, what'd you say about Merge's fun other than that? Just uh, you got to have it, dude Yeah, you you really you really absolutely have to have it. I know we've been harping on this with you guys for a few years I know we sound like a broken record when we said that you need to have three months to a year of savings But it's that important guys. It really is that important because you never know what could happen. I mean,

00:40:50.000 You know, You and here's other things, not just for yourself guys, but like for your family, right, you might have an emergency expense that you need to pay, and Could you imagine if you're not in a position to help your family out in that situation?

00:41:01.000 I told you guys before and some idiots like tried to mischaracterize the situation I told you guys a story about my uncle, where he had worked for the government some low -level fucking job for the Umar Bashir administration and, With the wars going on in Sudan, They wanted to kill him, Right?

00:41:19.000 They wanted to kill him because there was obviously a civil war going on over there.

00:41:22.000 And my mom asked me for a couple thousand dollars and I knew right then.

00:41:26.000 And there something was wrong, because my parents are very proud.

00:41:28.000 They don't like to ask me for money.

00:41:30.000 But I knew something was going on and they're like, yeah, look, we need to get him on a plane out of here. And I sent her the money. I didn't even think twice. I sent it to her. And could you imagine if I didn't have the money? My uncle dies. You know what I mean? So, and, you know, because the thing you've got to understand also, guys, because some people say oh, he's working for the government, whatever. Yeah,

00:41:48.000 like You can work for the government and not agree with the administration in power, okay? Some of you guys work for the government, you guys might not like Donald Trump. Or some of you guys work for the government, didn't like Joe Biden. Does that mean that you deserve to die because you worked under an administration that you might not necessarily agree with all the way? No. So, for all the idiots out there, well, he worked under Obama for sure, but yeah, nigga, like, do you not realize that most countries, the government is the biggest employer for most people? People are so stupid. Like, in the U.S., one of the biggest employers of the government, for most countries, the government is the biggest employer. So, yeah, they wanted him gone. And, uh, they want to kill him. And if I didn't have that money, 0.95

00:42:18.000 who knows if he'd be alive right now. So, you know, obviously that's an extreme situation or example, but this is the importance guys of having that money because it's not just you that might need it. Someone that you love or someone that you care about might need it. And it might literally be a life or death situation. So, um,

00:42:32.000 be responsible guys, be responsible, have that money there. Um, because it might not be you. It might be someone else's life that depends on it. Good paying, uh, job. And, uh, she got surgery. And, Just like you never know what can happen bro yeah, life is definitely, if not for yourself, at least have that money for your loved ones.

00:42:54.000 Yeah, you know what I mean.

00:42:56.000 Or like or, or friends, or whatever right like people might come to you like hey, I need help, and you know speed is the only thing that that uh matters.

00:43:06.000 And if you can't make that happen, someone can die.

00:43:09.000 Bro, i'm guys like I know I don't mean to be the like, make it like super extreme and sad or whatever, but the reality is is like your financial uh um uh your, for your financial ineptitude can lead to someone dying.

00:43:21.000 It's selfish.

00:43:21.000 That you love.

00:43:22.000 You know, like you, being a broke, he can literally lead to someone you care about dying.

00:43:28.000 You know that's really what it comes down to.

00:43:30.000 It's being selfish bro yeah, it's.

00:43:33.000 Yeah, it is being selfish, it's being irresponsible.

00:43:34.000 So that's why you got to have that money, not just for yourself.

00:43:38.000 Uh, god forbid, something happens, but you're gonna have relatives man, that might need that money or might need your help, and if you can't support, if you can't be there for them, i'll give an example, even just after this as well, Steve will do it his employees, bro.

00:43:53.000 that he hires they won't be able to hire anyone else, pretty much. Because either they're not I want to say at a regular employee rate of employment or they just don't have the means. And he hires them What do you need every month to survive? You ask them. One guy said 18K. Done. But guess what Steve has? Money to do that. So he gives people jobs that wouldn't otherwise get jobs. And that's love,

00:44:18.000 bro, because you don't have to, but you can. That's powerful. Yeah. If you're not going to do it for yourself, guys, that's fine. But at least get that money so that you can take care of your loved ones, because you never know, dude. I remember when I got that call. Yeah. I was like, oh wow. This is do or die. And thank God I was ready. But could you imagine if I didn't? Let's say I wanted to be a dumbass nigga and spend all my money and be an idiot and oh sorry mom,

00:44:40.000 I don't got it. Yeah. Now my irresponsibility has led to someone dying. And that's family. So guys, be in that position, man, where you can help others. That's the importance of that, man. Alright, And last point here is budget cuts.

00:44:59.000 So, like Myron said, he doesn't need to budget.

00:45:02.000 I know I sure he needed to budget at some point because I was wilding.

00:45:05.000 But, you know, I think that at the very beginning you should budget because, guys, discipline does not come easy.

00:45:12.000 Most people are simply not going to spend less than they make.

00:45:15.000 So budgeting is going to be a requirement for most of you, right?

00:45:18.000 Like minimalism is a way to kind of budget without having a budget, so to speak, because you're spending so little doesn't matter.

00:45:24.000 But let's be honest, most people are not going to be minimalists.

00:45:27.000 Most people have bills.

00:45:28.000 Most people want to keep up with an image.

00:45:29.000 Most people want to keep up with the Joneses.

00:45:30.000 So you are going to have to budget and crunch out the numbers.

00:45:33.000 Yeah.

00:45:34.000 We got a video here of a girl that didn't budget.

00:45:37.000 And I want you to, okay, so fellas, we know how girls are with money. 1.00

00:45:39.000 Of course we know they're with money.

00:45:41.000 But this is an extreme where like, look how old she is, bro.

00:45:45.000 I'm with that, she's in.

00:45:46.000 Watch, I'm 22 years old and I have $37 ,515 worth of credit debt.

00:45:58.000 I also have a $7 ,992 student loan.

00:46:05.000 I also still owe $55 ,829 on my car.

00:46:11.000 In total, I have about a hundred.

00:46:12.000 I guarantee you that she bought a new car.

00:46:14.000 I guarantee you she bought a new car.

00:46:15.000 Yeah, for $55 ,000.

00:46:17.000 I guarantee you she bought a new car.

00:46:18.000 Nigga, she's cooked. 1.00

00:46:19.000 55k, that's, yeah.

00:46:21.000 And it's probably, it's probably like at least maybe an entry or mid-tier luxury car, probably.

00:46:26.000 I guarantee you.

00:46:27.000 Yeah.

00:46:28.000 Mercedes C-Class or some shit.

00:46:29.000 Bro.

00:46:30.000 Or a Lexus or something.

00:46:32.000 Gotta be.

00:46:32.000 Yeah.

00:46:33.000 So, dude, that's just 22.

00:46:34.000 There's more.

00:46:37.000 $100,000 worth of debt.

00:46:39.000 If you're anything like me, you haven't made any credit card payments in over six months.

00:46:44.000 You have creditors calling you every single day.

00:46:48.000 And you're feeling hopeless.

00:46:50.000 That's your life.

00:46:51.000 But don't stress out.

00:46:52.000 There's an answer to everything.

00:46:53.000 And you'll get through this.

00:46:55.000 I'll get through this.

00:46:56.000 We'll get through this together.

00:46:57.000 As of today, my credit score is a 498, so join me on this journey to pay off my debts.

00:47:05.000 We'll see how high I can get my credit score.

00:47:08.000 Um, i'm also not here to give financial advice, obviously.

00:47:15.000 I'd probably be the worst person for that.

00:47:17.000 But if you want to watch me tackle this debt, i'll keep my Tiktok updated and yeah, i'm 22 years old.

00:47:27.000 That video doesn't help anybody.

00:47:29.000 She talks about her debt.

00:47:31.000 Now, why she made this video? 0.75

00:47:32.000 I think fishing for simps, because Tiktok was paying around a dollar per view.

00:47:39.000 So if she made this video, you get 3 million views, which people want to hear bad stuff about the people. 0.97

00:47:47.000 She's 30k now now.

00:47:49.000 watch this though, right? There's another video there. I got bills that, um, a guy in a car, uh, yeah, this guy. Now, watch what he says about her video, basically. Nobody say this trend is by far the best trend that has ever hit the internet. It proves that we can all come together,

00:48:09.000 help each other with zero money, zero effort, and very little time. For those that don't know, there's this trend going around called pay off my debt. And usually the person that's making a video says, hey, I only need 30 million views on this video and I'll be completely debt-free. So what are they saying? Well, let me explain. With the creativity program on TikTok, you get paid for the views that you get on your video. But not for all the views, only the qualified views. But what is a qualified view? A qualified view is just a view from a person who has interacted with your video or has watched it more than 5 seconds. In most cases,

00:48:36.000 your qualified views are usually around half of what your overall views are. Now, you also have what is called an RPM. An RPM is just the amount of money that you get paid per every 1,000 views. So let's just say you have 1 million qualified views, and your RPM is set to, let's say, a dollar. Well, then that person will make $1,000 off of that video. So now when you see a video that says, I only need around 30 million views to be completely debt-free, that person is essentially saying, I only need around $25,000 to $30,000. But what's so cool about this? Well,

00:49:01.000 because most people don't have money to help other people. So if you can help somebody by simply watching a video for a few seconds, why not? I've seen this help people pay hospital bills, student loans, home foreclosures. So it did work for a while. Like, get rid of the company. Change your rules for payouts. So now, that shit won't work anymore. Yeah, that shit won't work anymore. So with AI slot, and algorithm's not looking for AI in different ways,

00:49:28.000 you have to be creative. Very creative. And have real information. So this shit don't work anymore, fellas. You can't pay 20 cents per view if you're lucky. So that shit used to work for girls because they were like, oh, I'm, what was me? So adding the simps plus the payout, they're good to go. They make five videos, pay off their shit, back to normal. But guess what happens? Because they didn't fix the habit itself, it happens again. Yeah, yeah. Still thinking you're a cook still! Yeah, their spending habits, yeah, 0.87

00:49:55.000 it doesn't matter because they didn't learn anything. So in her situation, the most damaging thing for her is her credit card debt at $37K. And the fact that she hasn't paid it off in six months, that debt was probably like in the 20s, bro. Yeah. It was probably guaranteed in the 20s and it's been going up significantly because the interest rate is probably killing her and that's what's led to her being out of control. And here's the other thing too, guys, when it comes to your credit score. The biggest thing when it comes to your credit score, three main things go into your credit score just as a refresher here,

00:50:22.000 okay? Number one is on-site payments. Number two is proportionality, right? What percentage of your overall credit limit are you using, right? I tell you guys all the time, you want to be under 30%, but optimally you want to be under 10%.

00:50:39.000 Under 10% is perfect, but under 30%, because once you get over 30%, that's when your credit score starts to take because the credit card companies have simulators and algorithms that once you pass that over 30% usage, now you start to get into riskier territory as a borrower.

00:50:56.000 And they have a bunch of numbers and stuff like that that they crunch in case studies where people that typically pass a certain amount become less and less likely to pay.

00:51:05.000 This is why a lot of the times, guys, if you just start spending your credit card like crazy, all of a sudden, they'll just shut your card off because they're like, whoa, whoa, whoa, what's going on here, right?

00:51:11.000 Because if they see erratic spending and they see you reach a certain limit or pass a certain percentage, your likelihood of you not being able to pay goes up with that, right?

00:51:20.000 So, and credit card companies don't make money on you just spending their money.

00:51:23.000 They make money on you paying back with interest.

00:51:25.000 They're hoping that you pay back with interest.

00:51:27.000 So once you start messing with the algorithm, I don't know.

00:51:29.000 they get over 30%. You start to become a high-risk lendee, and they'll turn your card off and then lower your credit score as a part of that. So, on-time payments, percentage, and then what's the third one? Length of credit history as well. Yes, yes. So, it can't be brand new. It's got to be over a period of time. Which is why if your parents put you under credit early when you're young, by the time you're ready to actually get your credit card yourself, you'd be way ahead of the curve. So, I pulled up my FICO score here. So, it goes payment history,

00:51:58.000 amount of debt, length of credit history, amount of new credit, credit mix.

00:52:03.000 So, look, guys, I don't know if y'all can see this.

00:52:05.000 What does that say?

00:52:06.000 Y'all see that?

00:52:07.000 834.

00:52:09.000 Or maybe you can use the projector right here.

00:52:13.000 Oh, okay.

00:52:14.000 Where do I...

00:52:15.000 Oh, boom, right here.

00:52:17.000 Sorry.

00:52:20.000 Maybe I move it back a bit.

00:52:22.000 Boom.

00:52:23.000 Y'all can see that?

00:52:25.000 Okay.

00:52:27.000 Boom.

00:52:28.000 You guys see that right there?

00:52:29.000 That's my credit score, right?

00:52:30.000 834 right now.

00:52:31.000 We're cooking.

00:52:31.000 Now, why?

00:52:34.000 If you guys look...

00:52:36.000 If you guys look, the number one thing.

00:52:38.000 Payment history.

00:52:39.000 What does it say?

00:52:39.000 See, it says...

00:52:41.000 Exceptional.

00:52:41.000 I don't make any late payments.

00:52:43.000 You know, whether it's you're making the minimum or you're making, you know, paying it in full.

00:52:47.000 Look at mine too, nigga.

00:52:48.000 Yeah.

00:52:48.000 Look at that.

00:52:49.000 793.

00:52:50.000 Exceptional.

00:52:51.000 Very high.

00:52:52.000 And then you see here, amount of debt.

00:52:52.000 Right?

00:52:54.000 I got revolving.

00:52:55.000 Right?

00:52:55.000 1%.

00:52:56.000 I'm constantly paying my bills all the time.

00:52:58.000 right? Every week I'm, like, making a payment to make sure my utilization stays low. Right? Then after that, I got length of credit history. Very good. Eight years. Right? The average length. This, guys, it doesn't matter as much because honestly, like, you're going to be, you know, if you're a younger guy, your credit length is not going to be that extensive. And then amount of new credit and then credit mix. Right? I have mortgages. I don't have a car debt, but I did have a car debt for a bit and then we paid it off. The Range Rover. But you guys can see here, Credit mix and everything else like that.

00:53:25.000 These are the things that matter in order of priority.

00:53:27.000 The two biggest thing guys, you guys can see here though, payment history and amount of debt.

00:53:31.000 I always keep my utilization under 10 and I always pay on time.

00:53:35.000 Even if it's a minimum payment, guys always pay on time.

00:53:39.000 Do not miss payments guys, that will fuck your credit score up the most.

00:53:42.000 Yep, I don't care if you got to pay the minimum.

00:53:44.000 And again, why is credit important?

00:53:46.000 Credit is important in the United States because everything uh, revolves around credit.

00:53:51.000 Guys, not having a good credit score is going to limit your ability to create wealth in the future.

00:53:54.000 Right, it's going to hurt your ability to procure real estate, to get favorable terms on loans if you want to buy a car um, even renting yeah, even renting.

00:54:02.000 man. You're going to end up where you got to pay more for shit just because you're financially responsible. And we're talking about tens of thousands of dollars over a lifetime in higher interest rates, penalties, fees, all that shit, dude. It's not worth it. The reason why I tell you guys to have a good credit score is so that you can create financial opportunities for yourself. Most importantly, if you want to invest in real estate, because we know real estate is the number one way to become a millionaire. It's the biggest creator of wealth. Real estate, getting a good interest rate, being able to get approved for loans,

00:54:27.000 that's going to be super contingent upon your credit score, guys. So, yo, make your payments on time. If there's one piece of advice, bro, please make your payments on time. I don't care if it's a minimum payment, but always pay on time. Okay? Do not let your shit get into collections. Do not, um, you know, Let it get too crazy, but at least pay on time, even if it's a minimum payment. Now guys, just to recap, We covered five things you can do to get ready for this year before 2030 when AI is in full effect.

00:54:55.000 Oh, another good point.

00:54:56.000 Someone said in the chat.

00:54:57.000 I'm sorry, Fresh.

00:54:58.000 Yes, you will lose job opportunities while having a bad credit score.

00:55:00.000 Thank you so much for saying that.

00:55:01.000 You guys want to get a clearance?

00:55:01.000 That's true.

00:55:02.000 You guys want to get a job that requires a security clearance?

00:55:05.000 Or you want to get a job where they do background checks?

00:55:07.000 You want to be a lawyer or something like that?

00:55:08.000 Bruh.

00:55:09.000 Law enforcement?

00:55:10.000 Also, car insurance?

00:55:12.000 They'll deny you if your score is too low.

00:55:15.000 They run your credit score for car insurance.

00:55:17.000 I know niggas paying $2,000 for insurance. 1.00

00:55:21.000 It's that bad.

00:55:22.000 Because their credit score sucks.

00:55:22.000 Yeah.

00:55:24.000 It's a Rolls Royce.

00:55:24.000 And how much would they have been paying if their credit score didn't suck?

00:55:27.000 Less than $1,000.

00:55:29.000 And it's out of the car.

00:55:31.000 I'm like, why is this shit so high?

00:55:32.000 Oh, I got bad credit.

00:55:33.000 See, and here's the thing.

00:55:35.000 You know what the crazy part is, guys?

00:55:36.000 You don't realize how much you pay for having bad credit until you got the bad credit.

00:55:40.000 Right?

00:55:40.000 You wouldn't even know.

00:55:40.000 Yeah.

00:55:41.000 You wouldn't even know.

00:55:42.000 But, yo, we're talking about over a lifetime.

00:55:44.000 millions of dollars tens of thousands in a couple of years easily millions of dollars over your lifetime that you're spending just because you can't pay shit on time yeah I know guys only use cash but like yeah bro like I'm on credit because they don't have any credit and here's another thing too and you know what look it's a new year let me remind you motherfuckers if you're paying for cash with things you're an idiot you're fucking stupid if you're paying with a debit card you're paying with cash you're a fucking moron because you should be buying everything with a credit card why?

00:56:13.000 because you build your credit artificially you pay it off in full right or at least make payments towards it you get points get your credit score up and if you're smart like we've taught you guys you get a cash back credit card you get a business credit card that gives you flyer miles whatever. I don't care what it is. At least get a credit card that gives you cashback. 1-2%. We tell you guys all the time, 1.5-2% is the golden number, right? We understand that some of you guys You know, got to build your credit up or whatever,

00:56:38.000 but get your credit to a point where you can get a cash back credit card that's going to pay you back for spending what you already would have spent anyway. Guys, it's free money. You end up making money, you end up saving money, you're able to create financial opportunities for yourself. Guys, having good credit, it's so important. I would argue having a good credit score is more important than having a lot of cash. Yeah. Because you'll have more, I'd rather have a good credit score. And, um,

00:57:04.000 some cash than having a lot of cash and a shitty credit score. Because with a good credit score and some cash, you can start, you can buy assets at a good rate, put some less money down. With a shitty credit score and some cash, like, your opportunities are, you're not going to have opportunities. You're going to have to spend more of that cash. Right? And the beauty of, you know, whether it's real estate or whatever, is you want to be able to use other people's money to control the asset. The goal is to control the asset. The less money of your own that you can use, the bigger the W. So,

00:57:31.000 guys. You know, there's just so many different things, whether it's getting a car loan, getting a home, you know, being able to get a job. We see everything. You know, yo, you want to get a clearance? You got a shitty credit score, bro. Niggas aren't going to hire you because now you're a national security threat because you're a bum. Actually, in China, if your score is too low, you're going to be homeless. Nigga, they're not playing over there, bro. That's coming to America, By the way yeah, you're gonna be like Aldrich Ames, bro. 0.92

00:58:00.000 You're gonna be selling secrets to the Russians and shit man, next thing you know, you're in fucking Florence, Colorado at a maximum security prison because you fucking couldn't get your financial shit in order.

00:58:09.000 Bro, come on man.

00:58:10.000 Oh shit, we got DJ Munch.

00:58:13.000 That's his name.

00:58:13.000 Yeah, question.

00:58:15.000 Would you recommend wait, get your questions in?

00:58:17.000 By the way guys yeah, would you recommend moving in with a friend temporarily, splitting the rent utilities and paying off debts?

00:58:24.000 Yeah bro, don't you do bro, that is like a weight on your shoulder that doesn't go away unless you make a chance and you put time into making it go away, because it's terrible bro, you gotta work at it, man.

00:58:24.000 Yeah, why not?

00:58:34.000 It's it's guys, it's gonna be a.

00:58:37.000 It's gonna be a um uh deliberate, overt and conscious step, because you're gonna have to start prioritizing everything that you do based on, I need to pay my debt off.

00:58:49.000 It's painful, it's gonna dictate how you do things.

00:58:51.000 Once you go through that pain, you're like, you know what freedom is way better guys um, and we tell you guys all the time, we need you guys in the credit score range of at least what?

00:58:59.000 A 720, you would say yeah, guys get at least a 720 bro, 720 dude.

00:59:04.000 Okay we, I know.

00:59:05.000 too. 800 is great. You can hit a 750 without even having a home loan or none of that bullshit. But 740? Anything more than that is vanity numbers because 740 is considered excellent. So, honestly speaking, we're kind of OD, but if you guys just get 720, 740, you're good, Bro yeah, that's all you need.

00:59:22.000 Yeah man, get into the excellent range.

00:59:24.000 At one point I had 850.

00:59:24.000 I was like oh, i'm a g, I remember that.

00:59:27.000 Yeah, it's vanity.

00:59:27.000 That don't mean shit, bro.

00:59:28.000 And obviously, check FICO, check Experian, check all of them right typically, FICO is going to give you a higher score than Experian and shit um, uh and uh, what's Experian?

00:59:38.000 The other one Equifax, Equifax.

00:59:40.000 Those are three main.

00:59:41.000 550 is terrible, by the way.

00:59:42.000 Oh bro, three niggas said 550 is good. 1.00

00:59:45.000 Come on, what the fuck, bro?

00:59:46.000 Bro, even high 600 is trash.

00:59:49.000 Most people sit in the 600 range yeah, which is like considered good credit.

00:59:52.000 Nah bro, that like good enough.

00:59:54.000 Where they can rape you on fucking interest rates and miss payments, that's good enough. 1.00

00:59:57.000 Where they can really start, like six yeah, the lenders love 680 650 yeah, because then they can go ahead.

01:00:04.000 And yeah because yeah, because now they can start giving, because they know that you're not in a position to negotiate like that.

01:00:09.000 That's actually you're just good enough for them to give you the loan.

01:00:13.000 Where you're also not good enough where they could kind of jerk you and be like, all right bro, we know that you can't really go to many other niggas so uh yeah, let's go ahead and get that. 1.00

01:00:21.000 Uh yeah, they're gonna bend you over backwards, guys.

01:00:23.000 Yeah literally, let's thank you all right.

01:00:25.000 Papi Mango says my wife is going to be a veteran next year and we want to use the Va loan to get our first home.

01:00:31.000 How can we utilize it the best way possible to make an asset on top of a home for us to live in?

01:00:36.000 If possible, get as many, try to get a.

01:00:39.000 Uh, try to get it.

01:00:40.000 Make it a fourplex.

01:00:40.000 Yeah, because you want to go ahead and um, spread that mortgage amongst as many people as possible, and the reason for that is because if one tenant doesn't pay you.

01:00:48.000 you've got three others that can offset it. Yep. So if you can, the best way to go about this, by far, is to get a fourplex. Okay? Obviously, it's going to be more expensive. You're doing an NVA loan, so you're going to put damn near no money down. But that's why the more tenants, the better. So that's what I would say. Thanks, FNF. Boost on all next. All 2026. Yep. Yike says, since your girl shouldn't live with you, 0.93

01:01:14.000 should she be able to come over when she wants? How to regulate it? I like to tell guys once a week. Unless you're advancing, you really know how to negotiate. But let's be honest, man. A lot of these dudes are one blowjob away from the plantation. Once a week tends to work for most guys so they don't get fucking enamored and become simps. Also,

01:01:32.000 the problem is, whenever she wants to come over, what if you're busy with something or another chick, bro? You what?! Then you're cooked for real. Well, he's probably asking that because that's the only chick. Too far gone. Once a week is what I generally tell guys so that they don't fucking start becoming simps. Look,

01:01:53.000 and just so you guys know, shout out to Bills, by the way, for setting this up. If you guys want to get involved in the show, man, and you're watching on YouTube, you can get involved in the show. We got the link pinned in the chat. Super chat on there. We're reading all the chats, especially on Money Mondays. We want to make sure we answer all your guys' questions and give you guys value. Also,

01:02:08.000 guys. All 2026, man. Rumble Wallet is open on the channel. So you can donate with crypto now and gold. That's a W, man. And the biggest donator gets a trip to Miami with us, on us, by the way. So there you go. Like I said before, man, we're innovating, man. Like I said, YouTube ain't going to stop us. If they don't want to re-monetize, cool. We'll find other ways. We're not going to stop giving y'all this value, man. Chris said OnlyFans. OnlyFans. Realistically, man, every time I meet you guys,

01:02:36.000 the people that come up and say that we've impacted them the most, it's always from the Money Mondays, bro. That's why we refuse to stop doing this segment. That's why we refuse to stop doing this show. It's not all about views. It's about quality views. And a lot of you guys that are watching this stuff, I hope you have a notepad or, you know, we're going to put timestamps up for you guys, But this is the stuff that really can change your life.

01:02:52.000 So what's the next question?

01:02:53.000 Guys, time is limited, by the way.

01:02:54.000 Very limited.

01:02:56.000 Anonymous says, look into STRC stretch, currently paying 11% APR.

01:03:00.000 For what?

01:03:01.000 What, though?

01:03:02.000 What is that?

01:03:03.000 What do you, what do you, what are we, what is that?

01:03:07.000 Okay, Rabbit says, a pro tip for Amex cardholders, the earliest auto pay will let you pay your bills is 15 days after saving close, which guarantees you never have 0% credit utilization.

01:03:19.000 Pay it off manually the day of the close, and credit score goes up 50-plus points.

01:03:23.000 All right, fair.

01:03:24.000 All right, good shit.

01:03:25.000 That's fair.

01:03:26.000 DJ Munch, and guys, your credit score is going to fluctuate every week, by the way.

01:03:29.000 So don't get too harped up on it, don't let it, like you know, crush you.

01:03:34.000 You know, just like I said before, anything over 740 is just really a flex, bro.

01:03:40.000 Once you hit, once you hit the bare minimum of excellent, you're good.

01:03:44.000 Where do we go here?

01:03:45.000 What's next?

01:03:46.000 DJ Munch, oh oh oh, he said it twice.

01:03:46.000 We did that one already.

01:03:50.000 Okay guys, we did the video with Rampage.

01:03:54.000 It was definitely.

01:03:56.000 Yeah, it's on CAST CLUB.

01:03:57.000 I was trying to find it and they said that apparently there's some crazy stuff going on.

01:04:00.000 Yeah, there's a girl there that had a accident on camera, so we wanted to put that on CAST CLUB only.

01:04:06.000 So guys, CAST CLUB man.

01:04:07.000 it was a wild day. Bills was definitely in love. And I was scared for my life because it was, yeah. A lot of ass, bro. Too much ass. Yeah, Rampage ought to go back, right? He'll be back, though, for a podcast with us. Rampage. Okay. Yep. All right. Cooking the cooker. I've grown my profile to 400K training ETFs while working my 150K corp gig. Good. Don't need to invest in real estate. Just learn to market and take advantage of it strategically and don't be a simp. Yeah, well,

01:04:34.000 you gotta remember, bro, you could say you don't need to invest in real estate, but there's not going to be any other asset class that offsets your taxes. Real estate isn't just about making money. It's also about mitigating and limiting your taxes as well. And wealth as well. You're not going to get more tax benefits than with real estate,

01:04:50.000 bro. So, you know, that's why real estate is the best asset class. Look, I know people, oh man, that's biased. Dude, I'm in precious metals, I'm in cryptocurrency, I'm in real estate, I'm in fucking the stock market, I'm in index funds, I'm literally in, I'm one of the most diversified investors, and it doesn't even come close. Real estate is by far the biggest wealth builder, dude, and the numbers show it. 90% plus of people that become earners do it through real estate, because real estate appreciates overtime,

01:05:20.000 it's one of the best hedges against inflation, you just can't go wrong with it, dude. You know, I know some of you guys hate real estate. Oh, bro, I don't want to deal with tenants and toilets. All right, bro, that's fine. But it is a proven track record. Unfortunately, a bank is not going to give you a loan to buy their own stock. You can go to Bank of America tomorrow. Be like, hey, guys, can I borrow $100,000 to buy Bank of America stock? Nope. They'll tell you, no, thank you. Nope. Get the fuck out of our bank. But if you go in there and say, hey, I got a property I want to buy, they'll give you a loan.

01:05:48.000 That should tell you everything you need to know.

01:05:50.000 You know?

01:05:51.000 Niggas won't even give you a loan to buy their own stock, bro. 1.00

01:05:53.000 Come on, man.

01:05:53.000 Nope.

01:05:55.000 What else we got?

01:05:56.000 One chest.

01:05:56.000 It says a lot.

01:05:57.000 One chest.

01:05:58.000 He goes, much respect to you guys for being very transparent and relatable with everything, especially with finances.

01:06:04.000 Helps us know, like, and trust you.

01:06:05.000 Life-changing advice.

01:06:06.000 W, yours have consistently.

01:06:07.000 L, broke, and fat people.

01:06:08.000 Yeah, absolutely, bro.

01:06:09.000 Anus and rechained teaching out none of this shit.

01:06:11.000 Stupid-ass niggas are buying condos. 1.00

01:06:12.000 Fucking dummies.

01:06:14.000 And they're not transparent.

01:06:15.000 And they're not transparent.

01:06:16.000 They try to sit there and make it look like they're...

01:06:18.000 Better than everybody else.

01:06:20.000 Yeah, well, they do that and then they also pretend like they're not making money.

01:06:20.000 Not even...

01:06:23.000 Bro, niggas are multi-millionaires, bro. 1.00

01:06:25.000 Yeah.

01:06:25.000 Niggas try to sit there and they're like, oh, no, we identify with you guys.

01:06:28.000 Like, get the fuck out of here, bro.

01:06:30.000 Y'all niggas are retarded. 1.00

01:06:32.000 And they don't add any value.

01:06:34.000 They were live earlier giving, like, some bullshit...

01:06:36.000 Bro, their content sucks.

01:06:38.000 Like, dude, I've actually started watching their shit.

01:06:40.000 It fucking sucks.

01:06:41.000 Blows.

01:06:42.000 It's really bad.

01:06:43.000 Like, I was like, yo, niggas, watch this? 0.97

01:06:46.000 Because for a very long time, I'm gonna be very honest with y'all.

01:06:48.000 These niggas used to piss me off. 1.00

01:06:50.000 I'd see a video that they made on us.

01:06:51.000 and I'd be fucking, I'd be like, man, fuck this shit. Block. I don't want to even see this bullshit. Now that I'm actually looking at their shit, like to show how, to roast them, like their breakdown on the ice shooting, for example, I'm like, these niggas are stupid. Like, 1.00

01:07:06.000 their political takes are moronic. They clearly don't know what they're talking about. Low IQ, no value, give bullshit-ass commentary. I was like, damn, no wonder these niggas don't livestream. Like, this shit is trash. No value added, nothing. No tangible, like, yo, I'm being deadass. No tangible value given whatsoever, bro. I have not once seen these guys give any advice to actually help their audience. And they lie as well. Crazy. A lot. Their content fucking sucks, man. Oh, 1.00

01:07:36.000 man. I wish I had been watching this shit sooner, man. I would have cooked these niggas years ago, bro. This shit trash. But anyway, let's keep going. Boots on next fall 2026. Anything else? Oh, Sebastian? Okay, what's Sebastian say? I'm 16. Oh, I'm 16 and I want to be rich. I'm just cooked because I am 16 with all this ass stuff currently trying to become a pilot. Hold on. Nothing wrong with being a pilot, bro. Hold on. Pilots are necessary. Now, they invent air automated planes. I ain't got no one, 1.00

01:08:02.000 nigga. Yeah. You know what I'm saying? That's a good gig, sir. Yeah, yeah, yeah. That, my friends, is what we would say a career that's worth putting time into. So, go to high school. You need a consecrated male pilot? I don't need a pilot license. Right? You gotta go to aviation school. But like, do you need to do you need a bachelor's degree to go to aviation school? I think so, right? Somebody look that up for me real quick. But I'll tell you this, bro. But that's a good gig, bro. Do it. Even if you're under 18 or you're 16, bro, you can learn AI to help you benefit. Think about all the clippers making money, bro. Off of clips and AI. Dude, Dude, that's genius.

01:08:31.000 Your biggest thing as a 16-year-old, bro, is don't ruin your life.

01:08:34.000 Don't get a girl pregnant. 1.00

01:08:35.000 Don't get arrested.

01:08:36.000 Don't do drugs.

01:08:37.000 Don't be a degenerate.

01:08:37.000 Don't drink alcohol.

01:08:39.000 Like, eyes on a prize, my friend.

01:08:42.000 Eyes on a prize.

01:08:42.000 Yeah.

01:08:43.000 But that's good that you already have that mindset at 16 years old.

01:08:45.000 So that's awesome.

01:08:47.000 No.

01:08:48.000 Sorry.

01:08:48.000 No college degree needed?

01:08:49.000 No bachelor's degree needed.

01:08:51.000 There you go.

01:08:51.000 Boom.

01:08:51.000 And another thing, too, also, guys, I used to tell people all the time, go to college, get a degree, it'll create more opportunities for you.

01:08:57.000 Nowadays, I cannot, even as someone who went to a prestigious school themselves, I cannot in good faith tell you guys to go to university unless either A, you're going for free, or B, you're majoring in something that requires, sorry, you're trying to do a job that requires a degree.

01:09:08.000 You're trying to do a job that requires a degree.

01:09:10.000 I cannot, in good faith, give this advice anymore.

01:09:10.000 I cannot in good faith give this advice anymore.

01:09:12.000 College is a scam for the most part.

01:09:13.000 Yeah dude, I had a choice to go to FIU or get a job and I looked at how much debt I would have been in bro.

01:09:14.000 Dude, I had a choice to go to FIU or get a job.

01:09:14.000 Yeah.

01:09:17.000 And I looked at how much debt I would have been in.

01:09:19.000 I said, fuck this shit, I'm gonna go get a job, bro.

01:09:19.000 Bro, I said, fuck this shit, I'm going to go get a job, bro.

01:09:21.000 And at that point it worked out because bro, like dude, college would have been 70k in debt.

01:09:26.000 Yeah, college used to be.

01:09:28.000 I had everything up for one year.

01:09:29.000 By the way, college used to be a viable way to spend four years in your adulthood.

01:09:33.000 Now I can't.

01:09:35.000 I can't justify it anymore, unless you're trying to be a doctor, lawyer or some type of career field that requires a degree, or you're going to school for free.

01:09:42.000 If you're finding it your own way.

01:09:43.000 There's no way in good faith I can tell you guys to go to university nowadays.

01:09:47.000 Yeah, what else we got here Joe?

01:09:49.000 Joey retired in May.

01:09:51.000 I collect about 9k a month, tax free.

01:09:53.000 I paid off my 25k and credit card debt.

01:09:55.000 Good, my monthly cost of living is 4500.

01:09:57.000 I have 6k in an empower fund from work any advice for it?

01:10:03.000 And extra cash.

01:10:04.000 So you got.

01:10:05.000 So you got.

01:10:06.000 My cost of living is 45.

01:10:07.000 I have $6,000 in Empower.

01:10:07.000 I'll see you next time.

01:10:09.000 So you have roughly another $5,000.

01:10:12.000 Dude, put that money towards trying to get yourself a real estate property.

01:10:16.000 At least one that you live in for free.

01:10:18.000 Guys, at Bear Minow, I know some of you guys, I don't like real estate, Myron.

01:10:20.000 I don't like real estate, blah, blah, blah.

01:10:22.000 Fine.

01:10:22.000 Do this one favor for me then.

01:10:24.000 At least.

01:10:25.000 Live rent free.

01:10:26.000 Live rent free.

01:10:27.000 Yeah.

01:10:27.000 At least.

01:10:28.000 I'm not telling you how to become fucking Grant Cardone.

01:10:30.000 I'm not telling you how to sit here and be like, well, I'm going to buy a 36 unit.

01:10:33.000 No.

01:10:33.000 Okay.

01:10:34.000 I'm not telling you guys to do none of that.

01:10:35.000 I'm not telling you become Ken McElroy or Robert Kiyosaki.

01:10:39.000 None of that.

01:10:40.000 At least.

01:10:41.000 If you guys don't like real estate, you don't want to deal with tennis, whatever, that's fine.

01:10:44.000 But at Bear Minow, guys.

01:10:46.000 buy yourself a duplex, triplex, or fourplex that you live in where you've cut out the most the biggest expense for most Americans, which is typically going to be their housing. And then here's the beauty. They're paying your debt down for you. You live for free. The house appreciates in value, So you're burning the candle from both ends.

01:11:03.000 You're gaining equity while someone says you're not paying anything, while also saving money and you're getting tax benefits.

01:11:08.000 So bare minimum guys, you don't have to buy a real estate investment property as an investor, Buy it as a first time home buyer or buy it under an FHA loan.

01:11:18.000 Buy it as a resident.

01:11:20.000 Get that 3 -5 % money down, Take advantage of that, Get into the property, Control the property, Put tenants in there and live for free.

01:11:28.000 Do that for me at least.

01:11:30.000 Every single one of you guys.

01:11:31.000 At least.

01:11:33.000 Buy a house, live in it for free.

01:11:36.000 Or damn near free.

01:11:38.000 Remove the biggest expense for most Americans, which is the housing expense.

01:11:41.000 And if you can't, your car next as well.

01:11:43.000 Yeah, it's just like a no -brainer, Bro.

01:11:45.000 Yeah, like you know, I mean a lot of you guys like, look, you know, some of you guys might live in an apartment or whatever and you're renting because you're living in a major.

01:11:51.000 That's fine.

01:11:51.000 But if you have the ability to live in a duplex, triplex or fourplex guys, do that.

01:11:56.000 Live for free, get the tax benefits, get the appreciation, get the rent uh, save the money on your living expense.

01:12:04.000 It's just a w in so many different ways bro, and you'll thank me later.

01:12:07.000 Like you know, you're saving one to two thousand dollars a month.

01:12:11.000 Three thousand dollars a month right most, that's what most people, the average American, is paying what?

01:12:15.000 Somewhere between one to three thousand dollars a month in mortgage or rent.

01:12:19.000 Imagine you saving that a year.

01:12:20.000 I'm not gonna lie bro, when I was, that's twenty four thousand dollars a year that you did that you just saved for nothing.

01:12:24.000 When I became rent free, I bought my Uh Range over yeah, because that's the money I would have spent in rent.

01:12:31.000 nigga, I'm having a little joy now. Yeah, you know what I mean? So, at least do that, bro. Bare minimum. Live for free, guys. Find a way to live. That's what I would say. The pro tip here, find a way to live for free if you can own the asset, even better. DPG Jungle F says, greatest piece of the pod tonight, which everyone should do, no matter the step you're on, is maximize your income. Utilize your time to make more money. Coconut water ain't cheap. Come be a friend to WMIRN, to be broadcast, 1.00

01:12:57.000 and sound engineers. Awesome. Thank you very much, my friend. Cool. Yeah, it's already 11.10. Do we have all the girls here? Yeah. Two more coming up right now? Alright, any other questions or you guys want to close it here? Oh, another chat. Oh, and shout out to all you guys that super chatted into the show and stuff like that. We're using a new program, or well, a different software,

01:13:26.000 so all your chats that come through, guys, every single chat will be shown on screen, even if it doesn't hit a minimum limit. But, you know, for Money Mondays and shit like that, we typically read all of them because you guys ask some really good questions and any way that we can help. We've got one more here. Okay. It just came in right now. Yeah,

01:13:44.000 and whether you guys send in a Castle Club chat or you guys send in a Super Chat from the website or you guys send in a Rumble rant, we're able to show all of them on screen now. So, shout out to Rumble Studio, man. Rumble's coming up, man. And shorts are coming very soon? Shorts are coming on Rumble very soon, bro. I'm telling you, man. Anytime there's other platforms that can compete with YouTube and knock them off the market, I'm all for it, bro. Fuck YouTube. Okay, what do we got here? Okay,

01:14:12.000 how do you guys feel about doing trades and wealth building on the side in Thailand? The West is utterly cooked. I mean, look. One way to kind of build wealth is to go somewhere where your money goes a lot further, where you're able to save. So that's one way to go. I know we have a lot of people that go to foreign countries and become expatriates, right? Their money doesn't go as far in the U.S., so they go Latin America, Southeast Asia. There's many ways to skin a cat, bro. Do what's best for you,

01:14:41.000 bro. But do what's best for you, man. If you enjoy it, you want to be out there, you're tired of America, that's cool too. Your money will go further. You'll be able to save. That's really a personal decision, man. Yeah. We can't tell you what to do. But if you're going to be in the United States, obviously we can help you guys with that too. But yeah,

01:14:56.000 dude. I mean, if your money goes further, you make $50K in Thailand, that's like making maybe $100-something plus K here. If it helps you, then do it. Anything else? We got Rise. I'm currently a government employee with GS5. I'm also going into community college on my own dime. I have my GI Bill,

01:15:15.000 but I'm saving it for university to become a business analyst. Is this a good move? Bro, use your GI Bill for the community college, dude. You can use the GI Bill. Dude, use the GI Bill for all of your higher level education. Why are you paying for your community college? And if you got a GI Bill, bro, just go straight to university. They pay for it. Like, I'm for university if you can not pay for it. But if you're paying for it,

01:15:41.000 then you have to be way more, you know, obviously selective. But if you're not paying for it, that's different, man. You got a GI Bill. So, just try not to waste your time doing like a dumb degree like fucking, I don't know, Wakanda Studies or whatever. Mine are fresh. Thanks for all you do. Mine, I don't get into property due to the interest factor, which is haram. So what should I do as a Muslim? Okay. Well, so you don't want to get involved. Then you're going to have to buy a house outright,

01:16:09.000 my friend. Cash. Buy a house outright and then put tenants in it. So you could do that. Looks like you got a good amount of coins saved depending on where you live. If you're in the Midwest, bro, you can get a house for like $100K, bro. Buy a house and then live in it and put tenants in it. And live for free. What else we got here? And keep in mind that you'll be able to borrow against that house as well. You could do a home equity line of credit on your house,

01:16:33.000 guys, if you got to pay it off. And you have access to that money all the time. It's actually really helpful. And you get really good rates when it's your primary address that you're doing a HELOC on. Show my shot on screen. W, fresh and fit. Thank you, Punisher. Appreciate you. Planomon says,

01:16:48.000 I do have two credit cards. Is that true? That the business signify MasterCard doesn't get, report, or affect my personal credit. Well, I use my personal credit card to keep my very low credit basically under 5%. Thanks for all the helpful information that you bring to the whole world. You're the best. Massive blessings. Yeah,

01:17:04.000 so business credit cards typically don't get reported on your personal credit. Which is good, by the way. Yeah. Because you fuck it up. But still, don't try to carry high balances on them, bro. Try to avoid that. But yeah. What else we got? Martel says, With my credit spending in 790s for years, I've got one more year until my credit age is in the green.

01:17:28.000 Do you think that will put me over 800 finally?

01:17:31.000 Yeah.

01:17:31.000 I mean, dude, the score goes up and down, honestly.

01:17:33.000 Bro, it's vanity metrics, bro.

01:17:35.000 Over 740, it doesn't matter, bro.

01:17:36.000 Yeah, bro.

01:17:37.000 You're already in the excellent range.

01:17:38.000 You're fine.

01:17:38.000 You're not going to get a better, you know what I mean?

01:17:41.000 You go to the car dealership, they're not going to give you a better.

01:17:43.000 You're 10 away.

01:17:43.000 Oh, wow, man.

01:17:44.000 Sorry, we can't give you this rate because you're 10 away from 800.

01:17:46.000 Sorry, buddy.

01:17:47.000 No, bro.

01:17:48.000 You're going to get the same rate that me and Fresh would probably get more than likely.

01:17:52.000 You know what I mean?

01:17:54.000 Just vanity.

01:17:55.000 Yeah, it's vanity.

01:17:56.000 Good questions, by the way, guys.

01:17:58.000 Yeah.

01:17:59.000 I take...

01:18:01.000 I can't see it.

01:18:02.000 We didn't?

01:18:02.000 We got it?

01:18:02.000 Okay, cool.

01:18:03.000 Okay.

01:18:04.000 All right.

01:18:04.000 Cool.

01:18:04.000 All right, so guys, girls are here.

01:18:07.000 We're going to be doing Fresh Fit After Hours here very soon.

01:18:10.000 We're just waiting on another two or whatever.

01:18:11.000 We'll probably be on...

01:18:12.000 Chris, you want to call it?

01:18:13.000 What time we'll be on?

01:18:15.000 11.35?

01:18:16.000 So in about 20 minutes, guys, we'll be back.

01:18:16.000 Yeah.

01:18:18.000 Cool.

01:18:18.000 All right, Chris is going to bring the girls in and see them.

01:18:19.000 and we'll be live here in about 20 minutes. Don't be a show, man. We'll be live on Rumble, YouTube, all the platforms, man. All 2026. Not a bad showing for a First Money Monday back, man. 4K watching. Yeah, so yeah. Yeah, that's more than I would preach. So despite them having a bigger,

Fresh & Fit - January 13, 2026

The Top 5 Things To Get Your Finances In Order In 2026 STEP BY STEP

Episode Stats

Summary

Transcript