Fresh & Fit - Top 5 Reasons Why You Are Poor

00:04:09.000 And we're live.

00:04:09.000 What's up, guys?

00:04:10.000 Welcome to the Fresh Shirt Podcast, man.

00:04:11.000 It is Money Monday.

00:04:12.000 We're going to be talking about five ways that you're going to stay a brokie and how to avoid them. 1.00

00:04:16.000 Let's get into it.

00:04:17.000 Let's go!

00:05:07.000 Alright, we're back.

00:05:08.000 What's up, guys?

00:05:08.000 Welcome to the Fresh Day Podcast, man.

00:05:10.000 It is Money Monday.

00:05:11.000 This is probably going to be one of the more important episodes, right?

00:05:13.000 We always tell you guys things to look forward to do.

00:05:16.000 But today, we're going to teach you guys what to not do and how to avoid being broke.

00:05:21.000 You might be able to identify with some of these things, man.

00:05:23.000 If you're able to take some honest, introspective, look at yourself in the mirror, you might align with some of the things that we're going to talk about today and it might answer some questions as to why you're not where you want to be financially.

00:05:33.000 I gotta say, though, that intro is fire.

00:05:34.000 That intro is very nice.

00:05:35.000 That's a dope intro. 0.60

00:05:36.000 Hope y'all like that.

00:05:36.000 That was fire.

00:05:37.000 Yeah, I hope y'all like that.

00:05:38.000 That's actually a very pretty accurate assessment, too, of, like, what we do during the day.

00:05:42.000 Like, you know, I wake up late as hell, I go to the gym, and then Fresh, you know, he's riding around Miami getting chicks. 0.98

00:05:47.000 All this other shit. 0.98

00:05:48.000 I'm working, though. 0.99

00:05:49.000 I'm working.

00:05:49.000 I'm not doing that right now.

00:05:51.000 I'm working.

00:05:52.000 I'm working.

00:05:52.000 Okay, there you go.

00:05:53.000 But yeah, man.

00:05:53.000 Money Mondays, bro.

00:05:55.000 All right.

00:05:56.000 So today's video.

00:05:57.000 Sponsored by Rumble.

00:05:59.000 Yeah, rumble.com slash freshspit, guys.

00:06:00.000 That is home base, man.

00:06:01.000 If you guys want to know.

00:06:03.000 Where to find us if we ever get canceled?

00:06:05.000 Check us out over there on rumble.com slash freshandfitman.

00:06:09.000 Also, castleclub.tv, guys.

00:06:10.000 Only 20 bucks to join if you want to go ahead and get involved in the show.

00:06:13.000 I see a lot of you guys are joining the Castle Club because you guys want to get your Super Chats right on air without having to pay more.

00:06:18.000 Very, very smart.

00:06:19.000 It's only 20 bucks a month, man, and you're able to get your Super Chats right in.

00:06:22.000 A couple of y'all see what y'all are doing.

00:06:24.000 You get the Castle Club, and then you donate a dollar, two dollars, whatever, and you get your Castle Club thing right in.

00:06:29.000 Who's that guy that donates a dollar?

00:06:31.000 What's his name again? 0.99

00:06:32.000 Damn, he's super smart. 1.00

00:06:33.000 Punisher. 1.00

00:06:34.000 Punisher, there you go.

00:06:34.000 Punisher, 4-5-1, right?

00:06:36.000 No, but we still be getting discounts.

00:06:38.000 If it's like 20, then Castle Club will be like 5 or 10.

00:06:42.000 If it's like 50, Castle Club gets like 10 or 20.

00:06:46.000 Yeah, okay.

00:06:47.000 So you get it right on there.

00:06:47.000 It evens out.

00:06:48.000 Yeah, pretty much.

00:06:49.000 You get it right on air with donating way less.

00:06:51.000 For a discount, if it's like from the beginning. 0.89

00:06:52.000 Especially if we got like 20,000 watching and shit like that.

00:06:54.000 If it's like from the beginning, then it's like $1. 0.88

00:06:56.000 You know, if it's from the very beginning.

00:06:57.000 When you start doing the cutoffs, you know, they get like 5 or 10 in them.

00:07:01.000 Yeah.

00:07:02.000 Alright.

00:07:03.000 But yeah, guys.

00:07:04.000 Rumble.com slash FreshFit.

00:07:05.000 And then obviously CasClub.tv.

00:07:07.000 And then also, guys, check me out on Twitter.

00:07:09.000 UnpluggedFitX.

00:07:09.000 I'm trying to grow this thing.

00:07:10.000 We're over 50k, man.

00:07:11.000 So I'm in only a month, about.

00:07:13.000 Roughly a month.

00:07:14.000 So shout out to y'all.

00:07:15.000 We're at 52-something here.

00:07:17.000 You know, I've been tweeting on there quite a bit.

00:07:19.000 Reacting to different things.

00:07:21.000 Yeah, that's all I'll say.

00:07:23.000 We don't want to show the Twitter right now, but...

00:07:25.000 Yeah.

00:07:26.000 You just did.

00:07:27.000 Okay.

00:07:28.000 No, I mean show the tweets.

00:07:30.000 Okay.

00:07:30.000 The tweets, not the tweets.

00:07:31.000 Thank God.

00:07:32.000 But yeah, check me out over there.

00:07:34.000 And then you want to tell them about the CEO Network?

00:07:36.000 Yes, guys.

00:07:37.000 Well, first off, let's get into the vlogs, man, because that's where the action is.

00:07:40.000 You see the lifestyle.

00:07:41.000 Listen...

00:07:41.000 I'm playing GTA in real life right now.

00:07:43.000 Literally, in Miami.

00:07:44.000 So shout out to the lifestyle vlogs and everyone in them.

00:07:47.000 You see my trainer, all my friends, how we network and do stuff.

00:07:50.000 And then as well, if you want more access to people that are successful, millionaires, and Zoom calls that masterminds, tap into the CEO Network, man.

00:07:57.000 Add value, give value.

00:07:58.000 Hop into that.

00:07:59.000 We've got a Zoom call coming as well this week.

00:08:01.000 I'm going to break down how to network from A to Z. Step two of my book coming out very soon, so go check it out.

00:08:06.000 See you guys in there.

00:08:07.000 Yeah, and video game streams coming soon, guys.

00:08:10.000 We just got to figure out when we're going to do it. 0.98

00:08:14.000 These guys got to unlock competitive on the team because they suck.

00:08:17.000 With Overwatch 2, guys, you have to win 50 games in quick play to be able to compete competitive. 0.94

00:08:23.000 And, you know, the best stuff is playing competitive, not playing quick play.

00:08:25.000 Cliff plays trash. 1.00

00:08:28.000 What the fuck? 1.00

00:08:29.000 I'm pretty good, man. 1.00

00:08:30.000 Come on.

00:08:30.000 I mean, I'll give it to you, Fresh.

00:08:32.000 You only need eight more wins?

00:08:33.000 Seven.

00:08:34.000 Seven, okay.

00:08:34.000 So Fresh is at 43 wins right now.

00:08:36.000 Let's go!

00:08:37.000 And he just started playing the game, so I'll give it to him, man.

00:08:39.000 He's been playing his Reinhardt, getting better at the game.

00:08:41.000 So, yeah.

00:08:42.000 But, yeah, if you guys want to watch us stream Overwatch 2, we're going to be probably doing that here somewhat soon.

00:08:47.000 Y'all will be able to see us play the game.

00:08:50.000 As a team, hopefully.

00:08:50.000 Play competitive.

00:08:51.000 Yeah.

00:08:51.000 Especially play competitive.

00:08:52.000 Yo, Bills, you suck, bro. 1.00

00:08:54.000 Yeah, yeah, yeah. 1.00

00:08:55.000 Bills does suck, man. 1.00

00:08:56.000 Moe sucks too, man. 1.00

00:08:57.000 I'm an excellent healer. 0.99

00:08:58.000 I'm actually one of the best healers around, bro.

00:09:00.000 So W, best healer.

00:09:05.000 No.

00:09:06.000 You're okay, man.

00:09:06.000 You're okay.

00:09:07.000 You're okay, man.

00:09:09.000 WMercy, WBeptis. 0.93

00:09:10.000 No game awareness, man.

00:09:11.000 But anyway.

00:09:12.000 Can you imagine we're streaming at like 10, 20k viewers and you think of rage quits?

00:09:17.000 No, I never rage quit.

00:09:18.000 I never, ever rage quit.

00:09:19.000 No, never, never, never, never.

00:09:21.000 I will not leave the game.

00:09:22.000 I'll rage, but I'll never quit.

00:09:23.000 Okay.

00:09:24.000 I'll just play it out and, you know, whatever.

00:09:25.000 You'll curse everyone out.

00:09:27.000 Yeah, yeah. 1.00

00:09:27.000 I'll just tell everyone that they suck. 1.00

00:09:29.000 But I never ever quit. 1.00

00:09:31.000 Because if you quit, you lose a lot of SR and shit. 0.98

00:09:33.000 So I don't know, man. 0.97

00:09:34.000 But yeah, man.

00:09:36.000 We'll probably stream that.

00:09:37.000 And then maybe other games in the future as well.

00:09:39.000 But for now, right now, we're playing Overwatch.

00:09:41.000 As you guys know, I played Overwatch way back in the day at a very high level.

00:09:44.000 So I'm getting my mojo back.

00:09:46.000 I've been playing now for about two weeks, I would say.

00:09:49.000 You know what's bad?

00:09:50.000 Went right before stream. 0.87

00:09:51.000 This nigga's playing. 1.00

00:09:52.000 Yo! 1.00

00:09:54.000 Normally, right, we take a break between the first show and the show that goes, right?

00:09:58.000 So I'm like, yo, where's Myron?

00:09:59.000 Looking around.

00:10:00.000 Is he in the gym?

00:10:01.000 He's on the gym. 0.99

00:10:01.000 Where's this nigga at? 0.99

00:10:02.000 Chris is like, look in the back. 0.98

00:10:04.000 I'm like, look in the back.

00:10:04.000 All right, we'll go in the back.

00:10:06.000 What's this nigga doing? 1.00

00:10:07.000 Play overwatch! 1.00

00:10:07.000 All you hear is, all you hear is, you suck! 1.00

00:10:11.000 It's hot noon. 1.00

00:10:12.000 You suck! 1.00

00:10:15.000 Bro, they do be sucking though, man. 1.00

00:10:17.000 Kids are trash, man. 1.00

00:10:19.000 It's a team sport. 1.00

00:10:20.000 It's a team game. 0.97

00:10:21.000 When they suck, it just tears the whole game down. 0.99

00:10:23.000 Because, bro, you're playing good yourself, and they go killed, the dumb stuff, they don't heal. 1.00

00:10:27.000 I'm like, bro, what are you doing? 0.98

00:10:28.000 See?

00:10:29.000 Now you feel my pain.

00:10:30.000 I understand now. 1.00

00:10:30.000 That shit's annoying, isn't it? 1.00

00:10:31.000 I understand. 1.00

00:10:31.000 I understand now. 1.00

00:10:32.000 Martin still curses him out when his team doing good, bro.

00:10:34.000 He's like, yeah!

00:10:36.000 Get these mother... 0.99

00:10:42.000 But yeah, man.

00:10:43.000 So you guys will be able to see us play.

00:10:45.000 The reason why I know some of you are like, yo, why don't you just stream now, blah, blah, blah.

00:10:48.000 Well, number one, we got to get fresh to be able to play competitive.

00:10:50.000 And then number two, I've been brushing up all my skills.

00:10:53.000 As you guys know, I'm a competitive individual.

00:10:54.000 I don't want to be trash playing a game. 1.00

00:10:56.000 A lot of these influencers, what they'll do is they'll play a game and they'll fucking suck. 1.00

00:11:00.000 It's like, bro, I don't want to watch you suck. 1.00

00:11:02.000 I want to watch you be good and actually destroy people. 1.00

00:11:05.000 So I have some goddamn respect on my name. 0.98

00:11:07.000 I don't want to play and be sorry. 0.97

00:11:08.000 What if you're getting better as you go?

00:11:10.000 Nah, man, you gotta have some level of at least decent competence and then get better from there.

00:11:14.000 I don't know.

00:11:14.000 Okay, okay.

00:11:15.000 Maybe it's my pride, because I used to be a top 500 player.

00:11:17.000 So, like, for me, it's like, man, I can't be seeing people, having people watch me miss and shit like that and not be, you know, connecting kills and stuff.

00:11:24.000 So, anyway, but as soon as it's gonna come, guys, probably in the next week or two, we'll do a stream for y'all where we'll play.

00:11:31.000 I just gotta watch my mouth.

00:11:33.000 I'm working on, like, not swearing and going as crazy.

00:11:33.000 And that's another thing, too.

00:11:35.000 I wonder if you can do it on the podcast, too.

00:11:37.000 I wonder.

00:11:40.000 Might have to be Rumble only. 0.90

00:11:41.000 Yo, the nigga was trying to kill the wheels, bro. 1.00

00:11:45.000 Yo, relax, man. 0.98

00:11:49.000 Oh, that episode was crazy.

00:11:50.000 Yo! 1.00

00:11:51.000 Yo, y'all gotta go watch the last episode.

00:11:53.000 You gotta watch Rumble.

00:11:53.000 Rumble.

00:11:54.000 Yeah, yeah, yeah. 1.00

00:11:55.000 Fresh cut that shit immediately. 1.00

00:11:57.000 Yeah, bro. 1.00

00:11:57.000 No, no, no. 1.00

00:11:58.000 Chris is like, you sure, bro?

00:12:00.000 You sure?

00:12:00.000 I'm like, Chris, we tied it.

00:12:03.000 End this shit, bro. 1.00

00:12:04.000 Yeah, man. 1.00

00:12:05.000 It was funny.

00:12:06.000 But anyway, today we're going to be talking about five reasons why you're broke.

00:12:09.000 You're actually playing video games with one of them.

00:12:10.000 I told you guys before.

00:12:11.000 I said this months ago. 0.99

00:12:12.000 You shouldn't be playing video games, man, unless you're fucking, you know, Make it six figures a year. 1.00

00:12:17.000 And you should get all your other stuff done throughout the day before you even turn that fucking thing on. 0.99

00:12:21.000 Granted, most people play games and do other stuff, like, for example, going out, partying, getting drunk, when they're not even where they want to be. 0.98

00:12:27.000 That's an issue a lot of people have as well.

00:12:28.000 Yeah, man, yeah. 0.89

00:12:29.000 So, you know, you better not be playing video games if you're a brokie, goddammit. 1.00

00:12:32.000 Alright, so I'll read some of these chats, so we'll get into number five. 0.82

00:12:34.000 Yes.

00:12:35.000 Alright, cool.

00:12:36.000 And guys, do me a favor.

00:12:36.000 We got 2,000 of y'all watching on YouTube.

00:12:38.000 Another 1,800 or so y'all watching on Rumble.

00:12:41.000 So, like the video, guys, please.

00:12:43.000 Really appreciate if you guys would.

00:12:45.000 Because we got a bunch of haters that watch the show that just dislike the video just because, because they be hatin'.

00:12:50.000 And if you can, send it to a friend, bro.

00:12:52.000 Yeah, send it to a friend that's a brokie. 1.00

00:12:53.000 Not be as poor.

00:12:54.000 Tactical Chicken says, soon going to inherit some decent equity.

00:12:58.000 I'm Europe-based.

00:12:58.000 Who do I talk to to open a HELOC or cash out refi to invest in U.S. as a foreign investor?

00:13:05.000 Well, you got to double check, bro, because as a foreign investor, it depends on what country you're from.

00:13:10.000 And where you want to invest.

00:13:11.000 So I would definitely check the laws.

00:13:14.000 Make sure that you can invest depending on what your nationality is.

00:13:18.000 Some countries are going to have more restrictions than others as far as being a U.S.-based investor that's foreign.

00:13:23.000 So go from there.

00:13:25.000 StillFree98 says, Free Jonathan Majors. 1.00

00:13:27.000 That shit crazy, man. 1.00

00:13:27.000 Yeah, bro. 1.00

00:13:29.000 He lost his whole Marvel deal over some 304, man.

00:13:31.000 So apparently they show footage of him running from the chick.

00:13:35.000 Yeah.

00:13:35.000 But they said he beat her up in a taxi.

00:13:37.000 Isn't that crazy?

00:13:38.000 Yeah.

00:13:38.000 So he's walking away from the chick, right, trying to escape.

00:13:40.000 Yeah.

00:13:41.000 And they said, no, no, no.

00:13:42.000 He beat her in a taxi.

00:13:43.000 Bro, where's the footage?

00:13:44.000 Where's the footage?

00:13:44.000 Yeah.

00:13:45.000 Yo, that's crazy.

00:13:46.000 But again, this is a Tory Lanez part two.

00:13:48.000 Yeah.

00:13:49.000 Successful black man doing his thing.

00:13:51.000 Yep.

00:13:51.000 And he doesn't follow the agenda.

00:13:52.000 Oh, shut him out.

00:13:54.000 Get him out of there. 1.00

00:13:55.000 It sucks, bro. 1.00

00:13:55.000 Man. 1.00

00:13:56.000 Bro, that's why you having a fight with your girl, man. 1.00

00:13:58.000 Just record that shit and leave, man. 1.00

00:13:59.000 Bro. 1.00

00:14:01.000 Don't live with her, man. 1.00

00:14:02.000 Yo, New York City trash, bro. 1.00

00:14:03.000 Don't live with her, bro. 1.00

00:14:04.000 I genuinely hate New York City, bro.

00:14:06.000 It's another reason for y'all to not be in places like that, man.

00:14:09.000 The jury found him guilty, probably a bunch of woke people.

00:14:11.000 Oh, bro, he must have done it.

00:14:12.000 He's a man, man.

00:14:13.000 They're toxic. 1.00

00:14:14.000 Fucking ridiculous, bro. 1.00

00:14:16.000 And then, you know, Marvel dropped him. 1.00

00:14:18.000 So it's like, bam, like what?

00:14:19.000 He lost like $250 million, something crazy like that?

00:14:23.000 You know the worst part, bro?

00:14:24.000 What?

00:14:24.000 His reputation is done.

00:14:26.000 Like, in the industry?

00:14:27.000 Yeah.

00:14:27.000 Like, just for any more gigs, bro, he's going to be known as that guy that beats women.

00:14:30.000 Yeah. 0.99

00:14:31.000 Which just sucks, bro. 0.89

00:14:31.000 Unfortunately, yeah, you're right. 0.89

00:14:33.000 You're right.

00:14:34.000 Mind you, this is because of what?

00:14:35.000 Allegation.

00:14:36.000 One girl.

00:14:36.000 Yeah.

00:14:37.000 No, what's this one girl destroyed this whole empire, bro? 1.00

00:14:40.000 This shit's crazy, dog. 1.00

00:14:41.000 Oh, man. 1.00

00:14:44.000 To The Max says...

00:14:45.000 But the question is, did he do it?

00:14:47.000 Get it?

00:14:48.000 Did he do it?

00:14:49.000 Did he?

00:14:51.000 All right, never mind.

00:14:57.000 Jonas goes, why is it called Frank Castle when someone kicks someone out?

00:15:01.000 Oh, you must be new here.

00:15:03.000 That person's new.

00:15:05.000 Must be new here.

00:15:07.000 Yeah, so basically the reason why, guys, is because I went viral on TikTok for saying you need to punish bad behavior from girls whenever they flake on dates.

00:15:13.000 And, you know, people went crazy.

00:15:15.000 Punish women? 1.00

00:15:16.000 Oh, my God.

00:15:17.000 What are we?

00:15:17.000 Dogs?

00:15:18.000 Blah, blah.

00:15:18.000 The View reacted to it.

00:15:19.000 A bunch of people went crazy all over the place.

00:15:21.000 This is back in 2020 when TikTok was starting to become a thing.

00:15:25.000 And that video got millions of views.

00:15:27.000 And I said, you know what, since everyone wants to say, get mad at me for saying Punisher, I'm going to call myself Frank Castle.

00:15:32.000 And then bam, the name was born.

00:15:35.000 Let's see here.

00:15:36.000 Lord Malakai.

00:15:37.000 Lord Malakai goes, hey FNF, I'm back again.

00:15:39.000 I want to know more about starting a savings account and who I should start it with.

00:15:42.000 Also, should I have multiple accounts for each bill or just one account?

00:15:45.000 Just turned 21 yesterday as well.

00:15:46.000 Bro, most savings accounts are a waste of money.

00:15:48.000 They don't actually give you any type of money back as far as interest goes.

00:15:52.000 The only one that's worth it, you need $100,000 to even open it up.

00:15:55.000 So I would say don't even worry about necessarily having savings accounts for getting money back.

00:16:02.000 Keep that savings account as a rainy day fund so that you have that money.

00:16:06.000 God forbid something happen to you.

00:16:07.000 Okay?

00:16:08.000 To the max.

00:16:09.000 Myron, please, can you chill with the long-ass rants on FedRex?

00:16:12.000 We want to learn about the cases, not on related points.

00:16:14.000 Well, that is why timestamps are there, my friend.

00:16:16.000 They're there for you, so you can go ahead and skip on through and watch what you want.

00:16:21.000 Not...

00:16:37.000 I told y'all this before, man.

00:16:42.000 You could drive Uber and DoorDash, man.

00:16:43.000 That's a way to make money without necessarily having a skill.

00:16:46.000 At 19, bro, I was mowing lawns.

00:16:48.000 I bought a lawnmower with money I had saved up from washing cars.

00:16:52.000 Then I started mowing lawns.

00:16:53.000 So you can start anything like that.

00:16:54.000 Washing cars, mowing lawns, simple stuff you can do.

00:16:57.000 Just fast food.

00:16:58.000 The thing is this.

00:16:58.000 You want to work a job that you're going to enjoy at 19.

00:17:00.000 And I'm trying to tell you, bro, most of the jobs you work at 19 are going to suck. 0.92

00:17:03.000 McDonald's, Wendy's.

00:17:05.000 Except the fact that it's probably not going to be fun and you just need to grit your teeth and make it happen.

00:17:09.000 You have to suffer as a young man, bro.

00:17:10.000 That's just what it comes down to.

00:17:11.000 It's a rite of passage.

00:17:12.000 So that's what it is.

00:17:13.000 You probably want to, oh, let me get some comfortable job where I'm making a bunch of money as a 19-year-old.

00:17:17.000 That ain't going to happen, bro.

00:17:18.000 And I realize, what do young people want to do now?

00:17:20.000 They want to stream.

00:17:21.000 They want to stream.

00:17:22.000 Influencers.

00:17:22.000 YouTube.

00:17:23.000 That shit is not easy, bro. 1.00

00:17:23.000 Make digital products. 1.00

00:17:24.000 It's not easy, bro.

00:17:25.000 You know, for every YouTuber that you see that's 20 years old that's making 10K a month, There's millions that can't do that.

00:17:32.000 Millions that don't do it.

00:17:33.000 So, you know what I mean?

00:17:34.000 There's nothing wrong with getting your feet wet doing a manual labor job.

00:17:39.000 Venom goes, how can a woman make you a millionaire if you was already a billionaire? 1.00

00:17:43.000 Ha ha, I see what you did there, Venom. 0.89

00:17:46.000 Attitude Era goes, birthday shout out to Stone Cold Steve Austin.

00:17:50.000 Are you going to do a live stream for Royal Rumble January 26th in Tampa?

00:17:55.000 I don't know.

00:17:57.000 Are we going to even be here?

00:18:00.000 That's a good question.

00:18:01.000 I don't know.

00:18:01.000 We'll see.

00:18:06.000 Yeah, it's wild, bro.

00:18:14.000 I'm fresh fit.

00:18:15.000 I'm clean.

00:18:17.000 Hey, FNF recently got left by three or four.

00:18:18.000 I basically gave my life to.

00:18:19.000 Lost all my friends.

00:18:20.000 Bums with smoke during relationships, so it's hard to getting over being really lonely.

00:18:25.000 People at work 20 years older, so can't reconnect.

00:18:27.000 Tips on how to get new people in circle.

00:18:31.000 We're going to cover that as well in today's topic.

00:18:33.000 Yeah.

00:18:33.000 But the other thing too, bro, I've said this before, I'll say it again.

00:18:35.000 I said this on a podcast.

00:18:38.000 One of the things that you guys do a lot of times is when you get a girlfriend, you forget all your friends.

00:18:42.000 Bro, don't do that.

00:18:44.000 Like, I can't tell you how many guys lose their friends, their childhood friends, off of a chick, man. 1.00

00:18:49.000 Like, dude, your friends will always be there.

00:18:51.000 The girl won't. 0.99

00:18:52.000 Like, don't fucking be a simp and spend all your time with your girl and then forget about your friends. 1.00

00:18:56.000 Like, don't do that, man. 1.00

00:18:58.000 Like...

00:18:58.000 It amazes me how so many guys throw away friendships over girlfriends that don't even like them like that.

00:19:03.000 Don't be stupid, man. 1.00

00:19:03.000 And being the guy that was there when my friend had a girlfriend and he stepped away from the group, I was like, bro, now you want to come back? 1.00

00:19:09.000 It's not the same, bro.

00:19:10.000 Yeah.

00:19:11.000 We're laughing at you.

00:19:12.000 They might not accept you.

00:19:13.000 Yeah, we're laughing at you, bro. 1.00

00:19:13.000 You might honestly lose your friends, bro, for doing that dumb shit. 1.00

00:19:16.000 And rightfully so. 1.00

00:19:16.000 You want to be a white knight? 1.00

00:19:17.000 Okay.

00:19:18.000 Like, bro, this is going to be a L for you. 0.52

00:19:21.000 Hey, after that, there's a way to take college classes for free before high school graduation, and I want to spread this information because this is how I got to college paid for.

00:19:28.000 Should I make a YouTube channel, TikTok, etc.?

00:19:30.000 Do it.

00:19:31.000 Yeah, why not?

00:19:33.000 Yeah, do it, man.

00:19:33.000 I'm marketing it, though.

00:19:34.000 Tactical Chicken goes, can you name exactly the entire team of financial slash legal profs necessary to buy and maintain residential real estate?

00:19:42.000 Professionals, I think.

00:19:43.000 Oh, professionals.

00:19:45.000 I did an episode talking about that.

00:19:48.000 With Roger and Steve, you need to go and watch that, guys.

00:19:52.000 But long story short, you got a real estate agent, you got a property manager, you got a lawyer that helps you with your contracts, you got an accountant.

00:20:00.000 That's the basics.

00:20:01.000 And then as you get bigger and bigger, you're going to have other people.

00:20:03.000 Yeah, you have a contractor or whatever, which typically your property manager is going to know.

00:20:06.000 So the more real estate properties you have, the bigger your team is going to be and the more people you're going to need.

00:20:12.000 So that's what ends up happening, man.

00:20:15.000 Unless you want to be doing all the maintenance yourself, which I guarantee you don't want to be doing that, man.

00:20:20.000 Alright, so I guess...

00:20:22.000 Oh, Rumble Rants.

00:20:23.000 Okay.

00:20:23.000 Hey, yo, stop giving away my secrets.

00:20:25.000 Here's another dollar for the swear jar.

00:20:27.000 Punisher.

00:20:27.000 541.

00:20:28.000 Hey, it was you, bro. 1.00

00:20:29.000 You fucking cheapskate. 1.00

00:20:30.000 Hey, Myron, I'm fresh. 1.00

00:20:30.000 Keep doing God's work. 1.00

00:20:31.000 Get the likes up.

00:20:32.000 Hey, Myron, I'm 5'5".

00:20:33.000 Currently 128 pounds.

00:20:34.000 I'm aiming for 145 to 150 with 10% body fat.

00:20:37.000 Is that a good goal?

00:20:38.000 Bro, get to where you want to get where you're pleased with your aesthetic physique.

00:20:42.000 That's what matters.

00:20:43.000 Okay, the scale doesn't matter as much.

00:20:44.000 I mean, obviously it's a guideline, but your body fat percentage and the me are very important.

00:20:49.000 Hey, fellas. 0.59

00:20:49.000 And this is from Kidnapping. 0.59

00:20:51.000 Hey, fellas. 0.59

00:20:52.000 Kidnapping69.

00:20:53.000 Okay?

00:20:54.000 Hey, fellas. 0.59

00:20:54.000 I think a good stream would be critiquing Dave Ramsey's view on credit cards and debt. 0.59

00:20:58.000 Would be interesting since you disagree.

00:20:59.000 Just check my credit score and it says 704 and I don't own a credit card.

00:21:02.000 Good.

00:21:02.000 You need to get a credit card, my friend.

00:21:03.000 That means you did some other stuff.

00:21:05.000 You might have some other things on your name that you're paying off of.

00:21:09.000 Yeah.

00:21:10.000 And here's the thing with Dave Ramsey.

00:21:12.000 See...

00:21:13.000 Look, man.

00:21:14.000 Dave Ramsey is great.

00:21:16.000 I think he does a really good job of helping most Americans that are really financially illiterate get things done.

00:21:22.000 Because you guys got to remember, he makes this concept for the lowest common denominator of person.

00:21:27.000 The average person. 0.99

00:21:28.000 The average person who's a complete moron, no financial literacy, doesn't have any type of control with spending. 1.00

00:21:34.000 So what he does is he makes it what I call stupid proof. 1.00

00:21:37.000 He has this one thing where he says, like, all your bills, put the money in cash and like envelopes. 0.99

00:21:42.000 So you can go ahead and pay it off.

00:21:44.000 Don't use credit cards.

00:21:45.000 Pay everything off in full.

00:21:47.000 Which, for most Americans, that's going to help most of them with avoiding debt.

00:21:50.000 His thing is not getting you into debt.

00:21:53.000 If you really want to build wealth, if you want to become successful like him, you're going to need debt, right?

00:21:58.000 You're going to need leverage to go ahead and acquire some of these real estate properties, etc.

00:22:02.000 What Dave Ramsey won't tell y'all is that he has a bunch of real estate property, right?

00:22:06.000 And I know he talks a lot about how he over-levers himself, the market crashed and he lost a bunch of money, etc.

00:22:12.000 But he did it again.

00:22:13.000 But he was able to build it up again.

00:22:15.000 And then the other thing too is that...

00:22:18.000 You got to be intelligent when you buy real estate where you're putting a decent amount of money down and you have some equity in there and then you have tenants that are paying it off.

00:22:25.000 So worst case scenario, your tenants are paying the property off.

00:22:28.000 You might not make cash flow, but at least it pays for itself because then you control the asset and you're still enjoying the appreciation of tax write-offs, etc. 1.00

00:22:36.000 But Dave Ramsey makes financial content for most Americans that are absolute morons. 0.98

00:22:41.000 Here on this side of the internet, we're past that. 0.97

00:22:44.000 We're obviously teaching you guys how to get out of debt and everything else like that, but we want y'all to not just live, we want y'all to thrive.

00:22:51.000 And for you to thrive, you need credit cards, you need credit, you need to understand debt and understand the difference between bad debt and good debt.

00:22:58.000 Bad debt, credit card debt, student loans, consumer debt in general.

00:23:03.000 Good debt, real estate debt that's paying for itself.

00:23:06.000 So that's what you guys want.

00:23:08.000 Yeah, there's something called good debt, which is going to be business credit, basically, for real estate, for businesses.

00:23:14.000 So there's good debt.

00:23:16.000 Yeah.

00:23:16.000 Like, for me, guys, roughly...

00:23:19.000 You know what? 1.00

00:23:19.000 Fuck. 1.00

00:23:20.000 I'll go ahead and pull up my mint, and I'll tell y'all ninjas right now. 1.00

00:23:24.000 Okay.

00:23:25.000 What do we got here?

00:23:26.000 Anything else?

00:23:26.000 Oh, yeah.

00:23:27.000 We got one more thing.

00:23:28.000 Kevin Wolf says, Hey, FNF, is there any way I could order FNF hoodie?

00:23:32.000 How about you guys sign it?

00:23:33.000 Contact anyone or question mark.

00:23:35.000 We'll see who wants to sign a hoodie from us, basically. 0.98

00:23:39.000 We don't know your address, nigga. 1.00

00:23:41.000 We don't know anything, bro. 0.96

00:23:44.000 Yeah, hit up Moe, man. 0.80

00:23:45.000 We'll see what happens here.

00:23:46.000 We got Slop Life says, thoughts on having Riley Gaines on the pod?

00:23:50.000 A woman I know.

00:23:51.000 But I, I think he means, but she is one of the few college athletes that is fighting back against Transformers in female sports. 1.00

00:23:58.000 Okay.

00:23:59.000 That might be pretty good for a late night show with some girls. 1.00

00:24:02.000 Having her point of view.

00:24:04.000 Robert1 says, I get employee discount on stock and have acquired a decent amount.

00:24:08.000 Would you suggest cash note to pay down credit card debt?

00:24:12.000 Would you suggest cash note to pay down credit card debt?

00:24:17.000 Typically, no, because you don't want to mess up your current stock and appreciation of it as well.

00:24:22.000 I would just say...

00:24:24.000 Pay off your credit card debt.

00:24:25.000 Just work harder, bro.

00:24:25.000 Get a second job if you can, but take out money from your stock options just to pay off your debt.

00:24:31.000 I mean, if it's dire with a high percentage, then maybe, but off the cuff, no, I would not say to do that off rip.

00:24:36.000 That's what I would say.

00:24:38.000 Jay Ichiban says, Myron, for VA disability, one stream you said you could get caught up and you rated 60% because you can't work.

00:24:46.000 You can still work even 100% P&T and be employable.

00:24:50.000 You have to be rated unemployable by the VA. So you see in the Disability Act, how do I get caught up by working?

00:25:00.000 Okay, Mark, once you said...

00:25:04.000 I think you mentioned how you can not get caught up, for example, when you work a job.

00:25:07.000 Yeah, yeah.

00:25:08.000 I was just saying be careful with it, bro.

00:25:09.000 I'm not saying you can't get a job.

00:25:11.000 I'm just saying be careful.

00:25:12.000 Like, for example, if you say that, oh no, I'm disabled because I have 100% disability, but you're working like a super hard manual labor job, that might cause questions.

00:25:21.000 That's all I said, bro.

00:25:23.000 Oh.

00:25:25.000 Just be careful.

00:25:26.000 Did you find your stats?

00:25:28.000 Yeah, I'm looking for it right now.

00:25:29.000 I'm trying to figure out for y'all how...

00:25:32.000 Because just to illustrate a point here, that being in debt, guys, is not what y'all think it is.

00:25:36.000 They'll sit there and tell y'all that... 0.96

00:25:40.000 Damn, I was looking at this the other day. 0.98

00:25:42.000 Which I suggest, guys, and Mint doesn't even pay me to tell you all this. 0.97

00:25:45.000 It's a good app because what it does is you connect all your accounts and it'll tell you what your net worth is.

00:25:51.000 It'll tell you how much, because you put your sources and everything else like that.

00:25:54.000 And then you'll connect your accounts and it'll tell you how much debt you have, credit lines, all that other stuff.

00:25:59.000 For me, guys, with all the real estate, I have 18 properties now, I'm like 4 million in real estate debt, right?

00:26:05.000 But all of them are cash flowing, and they're all worth like 8 million, 8 to 9 million.

00:26:11.000 So you do the math, right?

00:26:13.000 So as long as the assets pay for themselves...

00:26:16.000 You're fine, man.

00:26:16.000 There's nothing wrong, like, I fucking go to sleep at night, fine at night, knowing I'm a four million with real estate debt, but that's fine, because they all pay for themselves, and they're worth more than, they're worth way more than that.

00:26:28.000 So, and remember, I collected a bunch of my properties at a way lower price than what they are now, especially my Miami properties. 0.65

00:26:35.000 All of them are well over $100,000 from what I paid for them, because I bought them at a good time, and I got them at good interest rates, 30-year fixed.

00:26:43.000 Debt could be good, guys.

00:26:44.000 You know what I mean? 0.99

00:26:45.000 Like, now, if I was $4 million in consumer debt or college loans, oh, shit, that'd be a problem. 1.00

00:26:48.000 Oh, fuck. 0.99

00:26:49.000 But all my assets pay for themselves, and they cash flow, so it's a W, man. 0.99

00:26:53.000 There's nothing wrong with having real estate debt.

00:26:54.000 And, on top of that, I'm in no fucking rush to pay that debt off. 0.92

00:26:58.000 Because... 0.97

00:27:00.000 They all pay for themselves.

00:27:01.000 I got a low-ass interest rate on them, so it doesn't make sense for me to pay them off.

00:27:05.000 I can use that money that I have, excess money, to invest in other properties versus paying that property off. 0.99

00:27:10.000 It's stupid to pay off your properties. 0.96

00:27:11.000 Especially when you got a good interest rate. 0.99

00:27:13.000 I think the issue with Dave's audience is that a lot of them are not responsible and not, I want to say, financially sound. 0.99

00:27:18.000 So the problem is if you give them advice, for example, of getting into real estate itself and getting into debt like that, If you add, for example, thereby mistakes plus that, they're fucked. 0.89

00:27:27.000 So you've got to be responsible and consistent with yourself financially to make that happen. 0.80

00:27:31.000 Exactly.

00:27:32.000 And then another thing too, inflation is good for me because as inflation hits and the dollar becomes less and less valuable, well guess what?

00:27:37.000 I secured all those loans before at a lower interest rate.

00:27:41.000 So...

00:27:43.000 You can't lose.

00:27:43.000 You know what I mean?

00:27:44.000 You can't lose, man.

00:27:45.000 The best hedge against inflation is real estate.

00:27:48.000 By far, it's the best hedge.

00:27:50.000 But if you follow Dave Ramsey's advice, y'all be scared.

00:27:53.000 Oh, no, I got to buy all my house's cash. 0.99

00:27:55.000 Oh, shit, I can't take a loan out to buy a house. 0.99

00:27:57.000 Oh, my God, I'm so worried. 0.99

00:27:58.000 But, yeah, $4 million in debt.

00:28:00.000 But all the houses, net worth, like $8 to $9 million.

00:28:03.000 Because I prefer to have real estate rather than a 401k. 0.99

00:28:06.000 Fuck yeah. 1.00

00:28:06.000 Just saying. 1.00

00:28:07.000 Hell yeah.

00:28:08.000 Real estate all day.

00:28:09.000 Hell yeah, man.

00:28:10.000 Yeah.

00:28:10.000 Or IRA. But they teach you.

00:28:12.000 Yeah.

00:28:13.000 401Ks are the way to go, which actually segues perfectly into number 5.

00:28:18.000 You want to take it, Fresh?

00:28:18.000 Why you're a brokie.

00:28:20.000 Yeah, so we have five steps here, guys, how to not be a brokie. 1.00

00:28:22.000 And basically, you want to have the know-of-all to not take advice from people that don't know what they're talking about.

00:28:28.000 Bam, and that goes right into that 401k situation.

00:28:30.000 People always talk about things that they're not either trained in or had experience with to give you advice.

00:28:36.000 Now, typically speaking, you go to online, right, to YouTube, maybe Twitter, for information sometimes, right?

00:28:41.000 You find a creator.

00:28:43.000 They give you content, and you're like, oh, this is great.

00:28:45.000 I'm learning about a new topic here I didn't know about before.

00:28:47.000 This is awesome.

00:28:48.000 The problem is, though, that person may not have experience in what they're telling you.

00:28:52.000 So you follow their advice, you don't get any results, you're like, damn, why is this not working out for me?

00:28:56.000 I'm following what they're saying, I'm putting in time and effort, but there's no results here.

00:29:00.000 What's happening?

00:29:01.000 And more often than not, That means that either you're not trying hard enough or the person has faulty advice.

00:29:06.000 And I think for most people, the hardest part of finding a mentor that you can actually follow, it gives you good advice.

00:29:11.000 Because for me, it took me a while to find a good mentor.

00:29:13.000 But again, it's like, people are giving advice nowadays without any type of backing or no experience.

00:29:18.000 So the biggest thing I have to say for people that are poor, if you're following bad advice, it can take you down the wrong path.

00:29:23.000 An example could be your parents, your grandparents, you know.

00:29:26.000 Back in the day, they bought property that was worth like nothing, you know.

00:29:30.000 They bought a house for $20,000.

00:29:32.000 Pretty much.

00:29:33.000 Nowadays, what is that? 0.99

00:29:35.000 Yeah, you ain't getting shit. 0.99

00:29:35.000 A pair of shoes? 0.99

00:29:37.000 Maybe if you're lucky, an apartment you could rent for like, what, two, three months? 0.99

00:29:40.000 Or like a fucking shack somewhere in the Midwest. 0.99

00:29:44.000 It's tough. 1.00

00:29:44.000 You know? 1.00

00:29:45.000 So people can give you bad advice, even your family as well.

00:29:47.000 So I would just say, definitely guys, you gotta think about who's giving you the advice and their backing on what they've been through.

00:29:52.000 Because most people, again, they'll tell you what you want to hear, but they actually go through it. 0.97

00:29:56.000 They didn't go through shit. 0.99

00:29:57.000 So why are you taking their advice? 0.99

00:29:59.000 Yeah, and that's so important, man, because a lot of you guys, you might listen to your parents, they'll tell you, you know, what do they tell you, right?

00:30:06.000 Go to school.

00:30:07.000 Get a job.

00:30:08.000 Retire.

00:30:08.000 Get a job.

00:30:10.000 Pension.

00:30:11.000 Get your pension.

00:30:12.000 Get your 401k.

00:30:13.000 IRA. Your IRA. Get your Social Security, and you'll be fine.

00:30:16.000 You'll be good.

00:30:17.000 We used to call in the government a golden parachute retirement plan, right?

00:30:20.000 But the problem is that with the way inflation is going, with how much the cost of living was back when your parents were in the workforce or when your grandparents were in the workforce, etc., Things have changed drastically, okay?

00:30:31.000 There ain't gonna be no fucking Social Security by the time you're old enough to actually collect it. 0.60

00:30:35.000 401ks, they don't... 0.98

00:30:38.000 They don't appreciate enough for you to keep up with inflation, okay?

00:30:41.000 What?

00:30:42.000 You're gonna have $300,000 by the time you retire?

00:30:45.000 That's nothing.

00:30:46.000 That's not gonna do anything for you.

00:30:47.000 You still, you know, if you retire at, let's say, 50, 60, you still got like another 30 years of life.

00:30:53.000 You think 300K is gonna save you?

00:30:54.000 You're gonna have to probably pick up another job again.

00:30:56.000 Do you wanna work in your old age like that?

00:30:58.000 Off of a 401K? Right?

00:31:01.000 Not only that, and then people will say, oh, well, you know, get a job, get your retirement, et cetera, buy a house, right?

00:31:07.000 Well, when your parents bought a house, houses were like 50K. Now, the average home in the United States is somewhere around $350,000.

00:31:15.000 Yeah.

00:31:16.000 That's why so many millennials and guys that are my age group and then even the generation before and then the Gen Zers, all of us, a lot of guys, we have the lowest home ownership of any generation.

00:31:26.000 And the reason for that is because houses skyrocketed in the past 30 years.

00:31:30.000 So I say all that to say this.

00:31:33.000 Taking advice from people that come from a different era that don't deal with the same financial hardships and obstacles that you deal with might not necessarily be in your best interest, okay?

00:31:43.000 It used to be you could take care of a family on 50k per year, right?

00:31:48.000 20, 30 years ago. 1.00

00:31:49.000 Can't do that shit no more! 1.00

00:31:50.000 Now, you got idiots running around on TikTok. 1.00

00:31:53.000 We're dinks. 1.00

00:31:54.000 Double income, no kids. 0.98

00:31:56.000 We're able to do X, Y, Z. Blah, blah, blah, blah, blah.

00:31:58.000 Why do they do that?

00:31:59.000 Well, because nowadays, you need two incomes to live a certain type of lifestyle that you want to live.

00:32:04.000 You know, the days of having one breadwinner and one provider?

00:32:08.000 Very difficult.

00:32:09.000 Very few men can actually pull it off.

00:32:11.000 Especially for a family of more than like three or four or five.

00:32:15.000 Actually, you mentioned retirement, right?

00:32:16.000 This is funny because if you follow our advice, what's going to happen to you?

00:32:20.000 You're going to have a property or multiple properties, right?

00:32:22.000 And you're paying it off slowly.

00:32:23.000 But when you pay it off, let's say 30 years later, you're what?

00:32:26.000 57, 60 years old, right?

00:32:28.000 So now, if you want to sell it, All that money's yours.

00:32:31.000 Yep.

00:32:31.000 Plus what you made over that period of time, cash flowing.

00:32:33.000 Yep.

00:32:33.000 So that's your retirement right there.

00:32:36.000 Plus, you're making money as you go.

00:32:37.000 And you can borrow against it anytime.

00:32:37.000 Yep.

00:32:39.000 Boom.

00:32:40.000 So like, why me and Fresh are so with real estate versus like, look, man.

00:32:40.000 Right?

00:32:45.000 We're not telling you not to put money into a 401k.

00:32:47.000 You can.

00:32:47.000 Do it.

00:32:48.000 Do it.

00:32:48.000 Especially if they're going to match you.

00:32:48.000 You know what I mean?

00:32:50.000 Like, a lot of companies, I know the government, for example, you have something called the Thrift Savings Program.

00:32:55.000 You contribute 5%, and they'll match up to 5%.

00:32:57.000 Cool.

00:32:58.000 At least do the bare minimum.

00:32:59.000 It's free money.

00:33:00.000 And then, it's free money.

00:33:01.000 I'm not telling y'all not to do it.

00:33:01.000 Go ahead, contribute.

00:33:03.000 I actually took, but let me tell y'all what I did. 1.00

00:33:05.000 When I left the government, the first thing I did, I took that money out of my 401k, out of my TSP, took it out, I bought a fucking house with that shit. 0.99

00:33:12.000 I've made more money with that house off of that money I would have made from the 401k. 0.99

00:33:18.000 Because keep in mind, guys, you can't touch it.

00:33:20.000 You can't do nothing with it.

00:33:21.000 Okay?

00:33:21.000 Yeah, it gives you some tax benefits because whatever you contribute helps lower your taxable income.

00:33:26.000 But is it going to give you the same type of tax benefits that real estate's going to get you? 0.98

00:33:30.000 Hell fucking no. 0.94

00:33:31.000 Depreciation of cost segregation is going to give you way more benefit than contributing to a traditional 401k. 0.99

00:33:38.000 And keep in mind...

00:33:39.000 If you do a traditional one, that's when you get the tax benefits.

00:33:42.000 If it's an IRA, you don't get the same tax benefits that you're able to write off.

00:33:46.000 So, obviously contribute, but understand that in today's day and age, A pension and a 401k isn't what it used to be 50, 40, even 30 years ago, like what your parents are telling you.

00:33:58.000 So the advice that your parents are giving you is dated.

00:34:01.000 And I'm not saying, oh, don't listen to your parents, whatever it may be.

00:34:04.000 But the reality is that there's a new normal that your parents aren't necessarily aware of, and the financial market has changed drastically.

00:34:11.000 Yeah.

00:34:12.000 Selling time for money is a fool's game and it's all about a skill set now and leveraging the internet and scale to make as much money as you can and having a skill set is going to help you do that versus trading time for money like you used to be able to do and be able to take care of a family on that. 0.99

00:34:25.000 You can't do that shit no more. 0.97

00:34:26.000 The bottom line is if you see someone that is where you want to be, take their advice. 1.00

00:34:30.000 If they're not where you want to be, why are you taking their advice?

00:34:33.000 Because obviously they didn't go on that road to get to where you want to be.

00:34:35.000 And the other thing too is that that doesn't mean that those people are bad.

00:34:39.000 Just know that their information might be coming from another decade that isn't relevant anymore.

00:34:44.000 Go get a job, go to school, etc.

00:34:47.000 Yeah, that'll work in some degrees, but it used to be go to college, and then that college degree is going to put you head and shoulders above all your competition.

00:34:55.000 You'll be able to find an entry-level job.

00:34:57.000 Everyone has a fun college degree nowadays.

00:34:59.000 So is it worth taking on all that risk, all that debt, spending four years You know, fucking off in college doing this and then entering the workforce later?

00:35:07.000 Might not necessarily be worth it nowadays. 0.50

00:35:07.000 Actually, we've seen... 0.50

00:35:09.000 ...with degrees on the podcast. 0.99

00:35:10.000 Doing dumb jobs. 0.98

00:35:10.000 Yeah. 0.98

00:35:12.000 You know, now, we're not going to be these internet niggas telling y'all, fuck the college, it's a waste of time. 0.99

00:35:17.000 College is absolutely good if you major in the right stuff. 0.99

00:35:17.000 No. 0.99

00:35:20.000 Yeah.

00:35:20.000 You know, but the days of just going off to college and doing a liberal arts degree back in the 80s and 90s and, you know, oh yeah, this would be great.

00:35:27.000 I could get a college degree and I'm going to get an entry level job just because I have a college degree.

00:35:30.000 That ain't happening no more.

00:35:31.000 It's way more competitive.

00:35:32.000 College degree does not have as much oomph and power as it used to have decades ago.

00:35:36.000 So you need to make sure you major in something that's going to give you a skill set that will help you enter the workforce immediately.

00:35:41.000 See, this is what I mean, bro.

00:35:43.000 This guy Plasma Burns on YouTube says, real estate is dead, get out now.

00:35:47.000 This is what I mean, bro. 0.99

00:35:48.000 Giving advice, we don't know fuck all about real estate, bro. 0.94

00:35:51.000 This is what we're talking about, bro. 0.99

00:35:53.000 This is crazy.

00:35:54.000 What are you saying, bro?

00:35:55.000 Literally, what are you saying?

00:35:56.000 Yo! 1.00

00:35:58.000 And this is why you stay broke, bro.

00:35:59.000 This is why you stay broke.

00:36:00.000 Yo! 1.00

00:36:01.000 And here's the thing.

00:36:02.000 Thank you, Mo. 0.99

00:36:02.000 Dog shit advice. 0.99

00:36:03.000 Let me make this extremely clear. 1.00

00:36:05.000 Damn, bro. 1.00

00:36:06.000 To my knowledge, we're the only guys on YouTube that have real estate property that tell you how to buy real estate and we ain't selling you shit. 1.00

00:36:14.000 That's true. 0.99

00:36:15.000 You don't got a course?

00:36:16.000 No course.

00:36:16.000 We're not trying to get y'all to invest money with us?

00:36:18.000 Nothing.

00:36:19.000 There's no benefit to me telling y'all about my real estate portfolio.

00:36:22.000 If anything, it probably hurts me.

00:36:24.000 I'm super transparent about my real estate.

00:36:26.000 Because I want you guys to win.

00:36:26.000 Why?

00:36:28.000 Okay? 0.98

00:36:28.000 So if that means I gotta fucking disclose some of my financial shit, give you guys how I have my stuff set up, whatever, and... 0.98

00:36:34.000 Fuck myself up a little bit. 0.99

00:36:35.000 I think it's worth it. 1.00

00:36:36.000 We have nothing to sell you guys. 0.79

00:36:38.000 This is us just giving y'all genuine free value because we want you guys to be in a position where you're financially free, you're getting money from real estate, then you fucking choose if you want to work or not.

00:36:47.000 I want you to be the person to do that.

00:36:48.000 But, to get that started, you gotta get a job.

00:36:51.000 Make the money, acquire the assets.

00:36:52.000 Once you acquire enough of the assets, you make enough money, then you can decide what you want to do.

00:36:55.000 But it's going to take hard work up front.

00:36:57.000 But like I said before, and we've said this many times, once you get your first property, it's going to be way easier to springboard. 1.00

00:37:02.000 This fucking moron that's saying this, let me tell you how much of an idiot he is. 1.00

00:37:06.000 BlackRock, all the biggest institutions, what the fuck are they doing right now? 1.00

00:37:09.000 Still buying. 0.97

00:37:10.000 They're buying single family homes.

00:37:11.000 Why is that?

00:37:12.000 Why?

00:37:12.000 Hmm.

00:37:13.000 Let me wonder.

00:37:14.000 Let's ponder.

00:37:15.000 Because single-family homes are the most in-demand property class in the United States, okay?

00:37:20.000 We're over 5 million short of single-family homes.

00:37:23.000 So BlackRock is acquiring them like this, right? 0.62

00:37:27.000 Because they know that real estate is really the only real tangible fucking asset that's always going to give you money back, it's going to appreciate over time, and it's nice and safe.

00:37:34.000 There's a reason why 95% plus of... 0.93

00:37:37.000 Millionaires are made through real estate. 1.00

00:37:39.000 This guy's a fucking moron. 1.00

00:37:40.000 Now, if you're going to clarify and say office space and commercial real estate is dying, okay, then you got a point. 1.00

00:37:46.000 But for you to say all real estate is not where it's at, you're a fucking idiot. 1.00

00:37:51.000 You're a moron. 1.00

00:37:52.000 You're an absolute fucking moron. 1.00

00:37:53.000 You're forgetting the main thing about making money anywhere you are in the world. 1.00

00:37:57.000 It's solving an issue, right, with a solution.

00:38:01.000 What's the solution here?

00:38:02.000 Property will always be relevant because people need a place to live.

00:38:05.000 So no matter where you are in the world, guess what?

00:38:07.000 You need to go to bed at night in a property of your choosing, a condo or a house.

00:38:12.000 So ultimately, real estate is here to stay.

00:38:14.000 And then people are saying, oh, they're flipping businesses too.

00:38:16.000 Yeah, of course.

00:38:17.000 But at the end of the day, real estate is the most sustainable, is the easiest, and it's the fastest way to explode your portfolio from a net worth perspective.

00:38:24.000 So real estate is what it is.

00:38:26.000 Now, commercial real estate, yeah, hell no, don't do it.

00:38:28.000 Don't do it.

00:38:29.000 But real estate never dies, man. 0.99

00:38:31.000 Some of y'all are fucking wild. 0.99

00:38:32.000 You know, it's funny too. 1.00

00:38:34.000 You know the people that say that dumb shit? 1.00

00:38:36.000 A perfect example again. 1.00

00:38:38.000 Don't listen to niggas that don't know what the fuck they're talking about. 1.00

00:38:40.000 The people that talk shit the most about real estate, ask them. 1.00

00:38:43.000 How many properties do you control? 0.99

00:38:45.000 How many doors do you control?

00:38:46.000 Well, I have some REITs. 0.99

00:38:47.000 Fucking zero. 0.99

00:38:47.000 I got some REITs. 0.99

00:38:48.000 I have some REITs, bro.

00:38:49.000 Like, I'm an investor, bro.

00:38:50.000 I have some REITs.

00:38:51.000 Look at me.

00:38:52.000 I got some REITs.

00:38:52.000 Oh my God.

00:38:53.000 Bro. 1.00

00:38:54.000 Yo, you REIT niggas, I hate y'all the most. 1.00

00:38:56.000 Bro, go watch the episode that I did with Justin. 1.00

00:38:59.000 We talked about fucking you REIT motherfuckers. 1.00

00:39:02.000 Bro, the dudes that own the REITs are the biggest haters of real estate because guess what? 1.00

00:39:06.000 I got some REITs. 1.00

00:39:07.000 Fuck REITs! 1.00

00:39:08.000 What the fuck? 1.00

00:39:09.000 Oh, I get higher dividends off of my REITs. 1.00

00:39:12.000 You don't get the tax benefits.

00:39:13.000 You don't get the depreciation.

00:39:14.000 You don't get the cross segregation. 0.98

00:39:16.000 A lot of people that invest in REITs are brokies that are fucking scared to deal with tenants. 1.00

00:39:21.000 Stop being a bitch. 1.00

00:39:22.000 Get the fucking loan. 1.00

00:39:24.000 Pull the trigger. 1.00

00:39:25.000 Acquire the property.

00:39:26.000 They'll come back and talk to me. 1.00

00:39:27.000 Don't talk shit about real estate unless you're actually a fucking real estate investor. 0.99

00:39:31.000 But every single real estate investor I know that's a multi-millionaire, not one of them sits there and says, Yeah, real estate's a bad asset class, man. 1.00

00:39:37.000 Fuck this shit. 1.00

00:39:38.000 Are you fucking dumb? 1.00

00:39:39.000 My name is Casey. 1.00

00:39:40.000 I like REITs. 0.97

00:39:41.000 Every single rich motherfucker that you know, all the most successful people, Warren Buffett, etc., all these guys got real estate. 0.98

00:39:47.000 They might not be known for it, but all of them got real estate. 1.00

00:39:51.000 The fuck y'all talking about, man? 0.99

00:39:53.000 Yo, that's the number four. 1.00

00:39:56.000 Spending money you don't have.

00:39:59.000 Yo, Casey, I'm telling you, by the way.

00:40:01.000 Yes, number four, guys.

00:40:03.000 Spending money that you don't have.

00:40:04.000 So look, we get it.

00:40:06.000 You want to live the lifestyle.

00:40:07.000 You want to be famous.

00:40:08.000 You want to be popular.

00:40:09.000 You want to have that CO lifestyle.

00:40:11.000 The problem is you're not where you need to be.

00:40:13.000 So you're using credit card, you're borrowing money, and you're spending your money before you even get it.

00:40:18.000 So typically, you get paid from your job, right?

00:40:20.000 Every month or bi-weekly, depending on what your salary setup is.

00:40:24.000 Then, from that point on, We're good to go.

00:40:56.000 But if you're spending money like crazy, with any plan behind it, what are you really doing?

00:41:00.000 You're holding yourself back. 0.75

00:41:02.000 So spending money you don't have just means you get money coming in, and the money you get coming in goes towards dumb stuff.

00:41:08.000 So ultimately, how's that being done?

00:41:11.000 With a credit card, money you don't have.

00:41:13.000 So my thing is like, okay, if you're going to actually break the cycle of being broke and the mentality of being broke...

00:41:20.000 The money needs to go towards things that help you move forward to your goals and actually tangible things you can use to excel and move forward better.

00:41:27.000 Because, look, we get it.

00:41:28.000 You want to have fun in life, but every man that I know, person that's been successful, took a period of time where they just focused, saved money, invested in themselves, and then it became successful. 0.99

00:41:40.000 If you're broke right now, and you're spending your paycheck before you even get it, you're fucked up. 0.90

00:41:44.000 Because it needs to go towards something tangible to your future. 0.98

00:41:47.000 If you're just blowing money at the club, on girls, experiences, traveling, without any type of savings yourself, what are you doing, bro?

00:41:54.000 Stop it.

00:41:56.000 Yeah. 1.00

00:41:57.000 If you're spending money, you don't have to impress people you don't even like like that, bro, or to compete or keep it up with the Joneses, man, you're fucking up, bro. 0.92

00:42:04.000 Guys, it amazes me how some of y'all will put yourselves in bad situations and lease a car that you don't have money for or go into finance something that you don't need to. 0.97

00:42:14.000 Guys, I've said it before, I'll say it again. 0.99

00:42:16.000 I'm a multimillionaire driving around my 2002 fucking Honda. 0.99

00:42:18.000 That should tell y'all something, man. 0.97

00:42:19.000 I want you guys to be the same way where you don't want to take on debt that you don't need to fucking take on unless it absolutely benefits you to some degree. 0.99

00:42:26.000 And a lot of y'all over here doing some dumb shit with your money, man, to impress people that don't give a fuck about you. 0.99

00:42:31.000 You know? 1.00

00:42:31.000 Oh, y'all need to be fresh. 1.00

00:42:33.000 Kanye West said this on his song a while ago.

00:42:38.000 All falls down, you know?

00:42:40.000 Then I spent X and X just to say, nigga, you ain't up on this. 0.96

00:42:43.000 Like, bro.

00:42:44.000 Yo, real talk.

00:42:45.000 Ask yourself.

00:42:46.000 Real talk, man. 1.00

00:42:47.000 And that shit was real. 0.99

00:42:49.000 Then I spent X, X, you know, whatever, just to say, nigga, you ain't up on this. 0.99

00:42:53.000 Like, if you're buying things for bragging rights, more than likely it's not worth buying.

00:42:59.000 Like, it really isn't worth buying a lot of the time.

00:43:01.000 Just so you can flex on people, like, it's not worth it, bro, a lot of the times.

00:43:05.000 Let me give you a good example.

00:43:06.000 So, I love going to car shows, right?

00:43:08.000 Cars are my actual love, joy, love the speed, love the experience, right?

00:43:13.000 I go to car shows every second Saturday of the month.

00:43:15.000 It's Supercar Saturdays.

00:43:17.000 I know guys that go to car shows, right?

00:43:19.000 And they buy cars that they can't afford to look the part.

00:43:22.000 So, oh, I own a Ferrari.

00:43:25.000 I own a Lambo.

00:43:26.000 Look at my car.

00:43:27.000 It's sick.

00:43:28.000 And then give it like three, four months, five months, six months.

00:43:32.000 Where's the car?

00:43:33.000 Oh, bro.

00:43:35.000 Man, you know, things were tough.

00:43:36.000 I had to sell a car.

00:43:38.000 Why? 0.99

00:43:38.000 Damn. 0.99

00:43:39.000 You couldn't afford it. 1.00

00:43:40.000 But you want to let the part.

00:43:41.000 Yeah.

00:43:41.000 Now, guys in the game that actually have skin in the game, they love their cars.

00:43:45.000 And they bought it because they love the car.

00:43:47.000 Not for other people.

00:43:48.000 And they keep their cars longer.

00:43:49.000 The point is that, like, people in the game of the car space, bro, buy it to look cooler.

00:43:53.000 But I'll tell you, you know what happens when you buy a car, bro?

00:43:56.000 Nice car, bro!

00:43:57.000 They walk away.

00:43:58.000 It's done.

00:43:59.000 Like, for example, you buy a car for girls.

00:44:02.000 You buy a Lamborghini.

00:44:03.000 They don't even know what it is.

00:44:04.000 They don't even know what it is.

00:44:06.000 The point is that you buy a car, do it for yourself, not for anybody else.

00:44:09.000 Because you're wasting money at that point.

00:44:11.000 Yeah, man. 0.99

00:44:14.000 Guys, don't spend money you don't have on shit that you don't need. 0.99

00:44:18.000 Just some rules just to live by to make your life light easier. 1.00

00:44:23.000 Don't buy a fucking designer. 0.99

00:44:25.000 Don't spend money on luxury vehicles. 1.00

00:44:26.000 Don't go on vacations and trips. 0.91

00:44:29.000 Bro, we've been doing this show straight for damn what? 0.77

00:44:32.000 Two years plus? 0.95

00:44:33.000 Three years?

00:44:34.000 Yeah.

00:44:34.000 Three years plus?

00:44:35.000 We ain't take no fucking time off and do a vacation. 0.99

00:44:37.000 If we did travel, we'd go to Dubai or Romania or some other shit. 0.99

00:44:40.000 We're working. 0.97

00:44:40.000 We're there to work! 0.97

00:44:41.000 And I can tell you guys firsthand, I did that dumb shit. 1.00

00:44:44.000 I bought designer, I bought the jewelry, all that shit. 1.00

00:44:46.000 Look at me now. 0.99

00:44:47.000 Small piece, Rolex, plain Jane, little bracelet here.

00:44:52.000 But to tell you this in a matter of fact is, I did that stuff, did it feel any better?

00:44:57.000 No.

00:44:58.000 And the more I think about it, the more shape I get, I can wear a black tee.

00:45:02.000 Fits me well.

00:45:04.000 Don't need a designer.

00:45:05.000 You know what I notice about people that buy designer?

00:45:08.000 They're out of shape.

00:45:10.000 They're trying to hide their insecurities.

00:45:12.000 I'm telling you, bro.

00:45:13.000 The more in shape you are, you can wear anything.

00:45:16.000 So, it goes a long way, man.

00:45:17.000 Yeah, man.

00:45:18.000 So, guys... 0.99

00:45:20.000 Bro, like, designer, Jordans, expensive Nikes, all this shit, bro. 0.99

00:45:25.000 Oh, I gotta be dripped out. 1.00

00:45:26.000 Like, fuck that shit, man. 1.00

00:45:27.000 It's a waste of money. 1.00

00:45:28.000 It's stupid. 1.00

00:45:29.000 You're just giving that money to them boys. 1.00

00:45:31.000 It's not worth it, bro.

00:45:32.000 Save your money.

00:45:34.000 Buy assets, okay?

00:45:35.000 Because let me tell you, them boys own a real estate for a fact, okay?

00:45:40.000 And just be intelligent, man. 1.00

00:45:41.000 Like, you don't need to be out here buying a bunch of useless shit for no reason. 1.00

00:45:44.000 For bragging rights? 1.00

00:45:45.000 To say, nigga, you ain't up on this! 1.00

00:45:47.000 Like, stupid! 1.00

00:45:47.000 And there's one more type of guy I forgot to mention. 1.00

00:45:49.000 The guy that finds a girlfriend and asks her what she wants to do.

00:45:54.000 She wants to go to Paris.

00:45:55.000 She wants to go to Dubai.

00:45:57.000 She wants to go to Curacao.

00:45:58.000 Yeah.

00:45:58.000 Freaking Costa Rica.

00:45:59.000 Alright, they're working a regular job at Target or Best Buy.

00:46:04.000 Nigga, you want to spend all your savings on a trip? 1.00

00:46:05.000 Yeah, hell nah.

00:46:06.000 And she's going to leave anyway. 0.99

00:46:07.000 Yeah, hell nah.

00:46:08.000 What are you doing, bro? 0.99

00:46:09.000 Hell nah, bro. 0.87

00:46:10.000 So it's like, yeah.

00:46:11.000 Yeah, and here's the thing. 0.96

00:46:13.000 A lot of y'all want to travel and all this other bullshit. 0.99

00:46:15.000 You want to fucking travel? 1.00

00:46:16.000 You want to be like one of these bimbos taking pictures by the Lena Tower of Pizza and all this other pussy shit? 1.00

00:46:20.000 Get a fucking travel credit card and earn that shit with your points, goddammit. 1.00

00:46:24.000 There you go. 1.00

00:46:24.000 Do not spend a goddamn fucking dollar of your earned money on traveling. 1.00

00:46:29.000 That's feminine bullshit. 1.00

00:46:31.000 You don't need to travel as a man in your fucking 20s or even your 30s. 1.00

00:46:34.000 You need to be focused on making goddamn money because you don't have the luxury of having motherfuckers fly you out. 1.00

00:46:39.000 It ain't gonna happen. 1.00

00:46:40.000 You don't have the luxury of going to a major city, touchdown, with no fucking contacts, and still figuring out how to get into the VIP section of a fucking table. 0.99

00:46:49.000 You know how many bitches come here to Miami and are able to get a place to stay, get a club, invite, get free dinners, etc? 1.00

00:46:57.000 Bro, they don't know anybody here and they're able to figure it out. 1.00

00:46:59.000 You can't do that as a fucking man. 1.00

00:47:01.000 So you better... 1.00

00:47:03.000 Make some goddamn money, have a travel credit card, and travel for free. 1.00

00:47:06.000 You could be like these girls, but you earned it on your own by getting goddamn points. 1.00

00:47:09.000 You want to travel? 0.98

00:47:10.000 Get a Capital One Venture, get an Amex Platinum, get an Amex Gold, get one of these credit cards, watch our travel credit card episode.

00:47:15.000 We give it to y'all, the best travel credit cards to get, regardless of your credit score.

00:47:19.000 Get one of those, and then travel for free.

00:47:21.000 Hold on.

00:47:22.000 Do you remember...

00:47:24.000 There was two girls here that traveled to multiple locations by themselves. 1.00

00:47:29.000 They said they worked at a bar.

00:47:32.000 Oh, the European chicks. 1.00

00:47:33.000 Yeah.

00:47:34.000 Would you know, I saw them a couple nights ago.

00:47:38.000 They're still here?

00:47:39.000 I was wondering something.

00:47:40.000 I was like, hold on.

00:47:41.000 They look so familiar.

00:47:43.000 I had to think of their faces.

00:47:44.000 But hold on.

00:47:45.000 It's more to the story.

00:47:47.000 I'm sitting at the club, right?

00:47:49.000 And I'm like, hold on.

00:47:52.000 I know a whole boy that she's with.

00:47:54.000 So I text somebody, yo, come to my table, bro.

00:47:57.000 I know he's with her, right?

00:47:59.000 He brings her over.

00:48:00.000 I'm like, yo, what's up, dog?

00:48:02.000 You know she was on my show, right?

00:48:03.000 He's like, yeah, bro. 1.00

00:48:04.000 I've been fucking her for a minute. 1.00

00:48:06.000 I'm like, where's she staying? 1.00

00:48:07.000 On my spot.

00:48:09.000 I'm like, bro!

00:48:11.000 So my you, right?

00:48:12.000 My you, my you, my you, my you.

00:48:15.000 They making money!

00:48:16.000 But I just know, bro.

00:48:18.000 I just know, for a matter of fact, bro. 1.00

00:48:21.000 They can't free shit. 0.99

00:48:22.000 Yeah, they've been here, bro. 0.99

00:48:23.000 I was gonna say, they're still here.

00:48:25.000 Like, what the hell? 0.97

00:48:25.000 From niggas. 0.97

00:48:26.000 Bro. 0.99

00:48:26.000 But you as a guy, you go somewhere for the first time by yourself, no one gives a fuck. 0.99

00:48:30.000 Yeah. 0.99

00:48:31.000 Bro, figure it out.

00:48:31.000 Ain't nobody gonna let you crash in their crypt.

00:48:33.000 Bro, they've been here for weeks.

00:48:34.000 I didn't even know they were still here.

00:48:36.000 Bro, they're still here, bro.

00:48:36.000 Bro.

00:48:38.000 Get it smashed and dashed.

00:48:39.000 Yeah, man.

00:48:39.000 Bro, like, yo, and I'm trying to tell y'all, like, you don't have that luxury as a guy, bro.

00:48:43.000 Like, these girls be coming and traveling, be on boats, free alcohol, food, major cities expensive, and be getting, like, gifts and shit and getting shopping sprees. 1.00

00:48:52.000 Bro, what man gets that done? 0.99

00:48:53.000 You ain't getting none of that! 1.00

00:48:55.000 Unless you're a gigolo, maybe, but god damn. 0.99

00:48:56.000 Bro, y'all ain't getting none of that, so you better save your god damn money, make more money, and if you want to travel, do it off of god damn points. 0.99

00:49:03.000 I know one guy, Casey, he gets spoiled like that. 0.98

00:49:06.000 Comes to Miami, has a place to stay.

00:49:08.000 Food too.

00:49:09.000 Anyhow, let's continue.

00:49:11.000 Pause, man.

00:49:13.000 Yeah, we'll go number three.

00:49:14.000 Surround themselves with people with less value so they feel better.

00:49:21.000 Start off.

00:49:22.000 Yeah, I mean, bro, your network is your net worth.

00:49:24.000 You gotta surround yourself with people that are like-minded and people that are go-getters and people that are at least at your level socioeconomically, if not better, so that you aspire, so you have something to look towards, you know what I mean?

00:49:35.000 Something to motivate you, you know what I mean?

00:49:37.000 You need people that are doing better than you financially around you in your circle, right?

00:49:40.000 Luckily, you know, we've been blessed where we have...

00:49:42.000 A bunch of guys that we work with, other guys that are wildly successful. 0.74

00:49:46.000 We're like, damn, alright, we want to aspire to get to this level, right?

00:49:48.000 We've networked with a bunch of really successful people, whether it's Robert Kiyosaki, Grant Cardone, Brandon Carter, Mike Rasheed doing well. 0.97

00:49:57.000 Steve from Accounting. 0.99

00:49:58.000 Steve from Accounting, fucking killing it, man. 1.00

00:50:00.000 Roger. 1.00

00:50:02.000 Andrew Tate.

00:50:03.000 Wes Watson, Andrew Tate.

00:50:05.000 All these guys are super successful and making a bunch of money. 0.97

00:50:09.000 You want to surround yourself with people like that so that you're like, damn, okay, I got to get after it. 0.93

00:50:12.000 Yo, this dude's making this much money. 0.95

00:50:13.000 We talk numbers with a lot of these guys. 0.99

00:50:15.000 Damn, we could do more. 0.99

00:50:16.000 You know what I mean? 0.99

00:50:17.000 PPD, Justin Waller.

00:50:18.000 PPD, all these guys.

00:50:19.000 Justin, you want people like that that keep you motivated, man.

00:50:22.000 I mean, hell, after I did the stream with Waller, we talked about real estate.

00:50:26.000 He taught me a whole thing about trailer homes and trailer parks and Doing lease to own, sorry, rent to own type deals, owner financing, like all these things. 0.96

00:50:37.000 I'm like, wow, this is really fucking great. 0.98

00:50:39.000 And he's killing it, dude. 0.98

00:50:40.000 But you only learn stuff like that from talking to people that have different expertises and different knowledges that you don't have.

00:50:46.000 So you got to be around people that are killing it, man.

00:50:49.000 So a couple of days ago, I did a masterclass about networking.

00:50:53.000 And the number one point was to be humble.

00:50:55.000 So it's very cliche, very simple to say, but what does that mean?

00:51:01.000 You understand who you are.

00:51:03.000 You know your way.

00:51:04.000 You know your place.

00:51:05.000 And for most people, they want to meet people that are higher status.

00:51:08.000 They want to network.

00:51:09.000 They want to make connections.

00:51:11.000 But they don't know why they're here.

00:51:12.000 They don't know what value they bring to people.

00:51:14.000 They're just floating in the space of the world itself.

00:51:17.000 So being humble just means...

00:51:19.000 You know what you want, you know what you're about, and you know your place.

00:51:22.000 And I think for most people, if you want to have people around you that are successful, they're better than you, they want to help people that are humble, that know their place, and want to move forward with a positive attitude.

00:51:32.000 If you're negative, not humble, if you're arrogant, people like that won't get helped.

00:51:38.000 And people that are in groups of people that are successful, they want positive energy around them, not negative, not draining, People adding value.

00:51:46.000 So I think on some level, if you want to go further and succeed, you have to understand what you're about, who you are, what value you bring to the table.

00:51:56.000 And you'd be surprised.

00:51:58.000 Having that mentality, going into any space or hobby or sport or even event...

00:52:04.000 People gravitate towards you because they know, wow, he's a positive energy, he wants to go somewhere in his life, and he's head on straight.

00:52:11.000 It goes a long way, man.

00:52:12.000 So I would just say being humble is going to be key to your success. 0.99

00:52:15.000 And real quick, because I see some idiots in the chat saying, yo, you're not going to be making millions, and yo, these guys are out of touch with reality, or yo, just find millionaires. 1.00

00:52:23.000 It's easy, bro. 1.00

00:52:25.000 You fucking idiots. 1.00

00:52:26.000 What we're saying is find someone that's at your level if not doing better relative to you. 1.00

00:52:31.000 It's amazing that I have to...

00:52:33.000 I gave you guys examples from my perspective of people that are doing good on my level if not better than myself relative to me.

00:52:41.000 If you're making 50k per year, Network with the guys that are higher up in the company than yourself.

00:52:46.000 Network with the guys that are where you want to be in the company.

00:52:49.000 Network with guys that are in maybe a similar profession, maybe working for another company that are making as much as, if not more than you.

00:52:55.000 Network with people in your situation.

00:52:56.000 When I worked in law enforcement, right?

00:52:58.000 I made sure I had a friend over at the FBI. I made sure I had a friend over at DEA. I made sure I had a friend over at...

00:53:05.000 At almost every single federal agency. 1.00

00:53:07.000 Fuck! 1.00

00:53:07.000 I even had a contact over a fish and fucking wildlife. 1.00

00:53:09.000 Okay? 0.98

00:53:10.000 And the reason why is because if I needed something, I'd be able to call them.

00:53:13.000 Yeah.

00:53:14.000 Right? 0.98

00:53:14.000 So since I got to dumb it down for some of you retarded niggas in the chat, I'm saying network with people, right, in your level, if not better, relative to where you are. 0.98

00:53:25.000 Okay? 0.97

00:53:25.000 So that doesn't mean that if you work at McDonald's, I'm telling you how to go out and seek multi-millionaires and become friends with them. 0.97

00:53:30.000 That's gonna be tough, because a lot of times, there's gonna be a paywall that they won't let you fucking in. 0.86

00:53:33.000 And they do that for a reason, because they want certain people in. 0.84

00:53:36.000 So what I'm saying is that, of course, not all of you are gonna become multi-millionaires watching this show.

00:53:40.000 We understand that.

00:53:41.000 But if you can go ahead and increase your income, and then increase your net worth, that's a W. Most of you are not gonna become multi-millionaires, and there's nothing wrong with that. 0.86

00:53:48.000 But, I want y'all to either fucking become, um... 0.99

00:53:52.000 Well off doing so or die fucking trying. 1.00

00:53:55.000 Okay? 1.00

00:53:55.000 Make six figures. 1.00

00:53:56.000 And that's the thing. 1.00

00:53:57.000 A lot of y'all have this stupid ass mindset in the chat. 1.00

00:53:59.000 Well, yeah, just network with millionaires. 1.00

00:54:00.000 That's going to be easy.

00:54:01.000 Or these guys aren't in touch with reality. 1.00

00:54:03.000 Motherfucker, we worked regular jobs before we did this shit. 1.00

00:54:06.000 Okay? 1.00

00:54:07.000 I was working a job where I was making 50k per year.

00:54:09.000 Worked my way up through the government.

00:54:10.000 Got a bunch of respect.

00:54:12.000 Was able to network and deal with other people in different agencies.

00:54:15.000 And...

00:54:16.000 And build a name for myself and I was able to come to Miami. 0.80

00:54:19.000 I was only able to come to Miami and transfer from my field office because I network with people and I understood that my work speaks for itself and the only way I'm going to transfer out of fucking Laredo this hellhole is I need to become a better agent and do what the fuck I want to do where other offices want me.

00:54:32.000 So what ended up happening was I had a choice. 0.84

00:54:34.000 I could have went to Dallas or I could have went to Miami.

00:54:36.000 I ended up going to Miami. 0.95

00:54:37.000 And then had I not networked and done the best that I could and not get accepted by the Miami office, y'all would not have fucking fresh and fit. 0.96

00:54:43.000 So don't sit there and fucking tell me, oh, well, bro, just network with people. 0.97

00:54:47.000 Yeah, it sounds so easy. 0.99

00:54:48.000 Yo, just meet other millionaires.

00:54:49.000 Meet people that are successful relative to you and use that as a springboard to become even better and then go up the total pool. 0.99

00:54:56.000 That's what we're fucking telling you, man. 0.97

00:54:57.000 Are all of you going to become millionaires? 0.99

00:54:58.000 No.

00:54:59.000 But all of you can definitely earn six figures per year.

00:55:01.000 All of you can definitely get financially free. 0.99

00:55:02.000 All of you can definitely become better than where the fuck you're at. 1.00

00:55:05.000 Instead of sitting there playing with your fucking titties and your fucking dick. 1.00

00:55:08.000 Oh, I don't know if I'm ever going to be successful. 1.00

00:55:09.000 Stop being a fucking bitch! 1.00

00:55:10.000 If you're broke, if you're fat, if you're a loser, it's your fucking fault. 1.00

00:55:13.000 Stop blaming other people for where the fuck that you're not supposed to, where you're supposed to be, man. 1.00

00:55:17.000 If you're a fucking loser, it's your fucking fault. 1.00

00:55:21.000 There's no excuse to be broke or not networked with successful people if you live in the fucking United States. 1.00

00:55:27.000 You might have to pay to get into a network. 0.99

00:55:29.000 You might have to pay to get into a mastermind.

00:55:30.000 What I did was, to get into the internet world, I went ahead and networked with John Monolent Dating.

00:55:34.000 Shout out to him.

00:55:35.000 Right?

00:55:36.000 He opened up the network to me.

00:55:37.000 I always give him credit.

00:55:38.000 If it hadn't been for John, I wouldn't be where I'm at right now.

00:55:41.000 But, thankfully...

00:55:43.000 I met him.

00:55:43.000 He was wildly successful.

00:55:44.000 He's still killing it to this fucking day. 0.99

00:55:46.000 And I was like, yo, I need to network with people like this. 0.99

00:55:48.000 And I was able to segue over from the government into the internet world by having someone that was very well versed in marketing and knowing what the fuck he was going to do. 0.94

00:55:56.000 And I'm here now. 0.96

00:55:57.000 Right?

00:55:58.000 So you need to understand that you need to network with people relative to you at your level, if not better.

00:56:05.000 So you can become better. 0.98

00:56:06.000 And then, most importantly, when you do become successful, you don't forget about those fucking people that help put you on. 0.99

00:56:12.000 Alright? 0.98

00:56:13.000 Because that's about honor and integrity. 1.00

00:56:16.000 So stop making excuses in the fucking chat, man. 1.00

00:56:18.000 A lot of you niggas are brokies and that's why you have that stupid ass mindset. 1.00

00:56:20.000 Well, I'm not going to become a millionaire, so I'm just going to fucking keep whacking off the porn and hanging out. 1.00

00:56:24.000 No! 1.00

00:56:25.000 The fuck, man! 1.00

00:56:26.000 I don't care if y'all become a millionaire. 1.00

00:56:28.000 Make six figures a year.

00:56:29.000 Make 70k per year. 0.99

00:56:30.000 Make better than what the fuck you're doing right now. 0.98

00:56:33.000 All of you can self-improve. 0.98

00:56:38.000 Incredible, man.

00:56:39.000 W rant.

00:56:40.000 It's funny because it goes into number two.

00:56:43.000 Always have a story or excuse why they can't make it.

00:56:46.000 Bam! 0.98

00:56:47.000 Perfect segue!

00:56:48.000 Perfect segue! 1.00

00:56:50.000 That's why a lot of you motherfuckers are broke. 1.00

00:56:52.000 You always have an excuse for why you're not where you're supposed to be. 1.00

00:56:56.000 Some idiot called in a couple weeks ago on the call-in show. 0.99

00:57:00.000 Well, Myron, you guys over here selling success points to these guys. 1.00

00:57:03.000 Telling them to buy real estate.

00:57:04.000 Telling them to become millionaires.

00:57:05.000 Not everyone's going to become successful, bro.

00:57:07.000 Blah, blah, blah.

00:57:08.000 Look, man.

00:57:09.000 There's a phrase.

00:57:11.000 Shoot for the moon.

00:57:12.000 If you fail, you'll land on the stars, right?

00:57:15.000 Always aim high.

00:57:16.000 Because if you miss, you're still going to end up where you want to be anyway. 0.93

00:57:19.000 I know that most of y'all are not going to become multi-millionaires, multi-billionaires, whatever the fuck it is. 0.72

00:57:24.000 I know that.

00:57:25.000 But if I could take a guy that was making $40K per year, make him making $60K per year, or make him $80K per year, bring him to $100K per year, bro, that's going to be a W. That's a win.

00:57:35.000 It's about self-improving relative to you to where you're at.

00:57:38.000 That's what it's about, guys.

00:57:40.000 But a lot of y'all had this defeatist mindset, well, I'll never be a millionaire, so I'm not even going to try. 0.99

00:57:44.000 What the fuck is wrong with y'all? 0.99

00:57:46.000 And then you wonder why no girl wants to go on a date with you. 1.00

00:57:49.000 Then you wonder why no one fucking respects you. 0.99

00:57:50.000 Then you wonder why you're ostracized by society. 0.98

00:57:53.000 Then you wonder why people don't invite you out to do anything. 1.00

00:57:55.000 Because you're a fucking loser. 1.00

00:57:56.000 And you don't deserve to be invited to shit. 1.00

00:57:58.000 You don't deserve to get your fucking dick sucked. 1.00

00:58:00.000 You don't deserve to go on dates with girls. 1.00

00:58:01.000 You're a fucking loser. 1.00

00:58:03.000 A lot of you guys right now in this chat are making excuses for why you're a brokie, for why you're a loser, for why you're a fat piece of shit. 1.00

00:58:08.000 That's why you're whacking off the porn every single fucking day. 1.00

00:58:10.000 You need to look at yourself in the mirror and ask yourself, damn, am I happy with what I see back looking at me? 1.00

00:58:15.000 Most of y'all can't say yes. 0.99

00:58:17.000 That's the cold hard reality. 1.00

00:58:18.000 Most of y'all look at the fucking mirror and are not happy with what you see looking back at you and you don't want to fucking do shit about it. 0.99

00:58:23.000 All right? 1.00

00:58:23.000 Until you decide, hmm, I don't like what I see looking back at me. 1.00

00:58:27.000 I'm going to make a real concerted effort to improve.

00:58:31.000 I'm going to go to the gym.

00:58:32.000 I'm going to make more money. 1.00

00:58:33.000 I'm going to change my fucking mindset. 1.00

00:58:34.000 I'm going to stop having this fucking victim defeatist mindset. 1.00

00:58:38.000 You're not a loser because you're not broke because of the color of your skin or your religion or any of that shit. 1.00

00:58:43.000 None of that stuff holds you back if you live in the United States, okay? 1.00

00:58:46.000 Get the fuck out of here with this defeatist mindset. 1.00

00:58:47.000 The only person holding themselves back is fucking you, alright? 1.00

00:58:51.000 That's the only person holding themselves back. 1.00

00:58:53.000 So I need y'all.

00:58:54.000 Look in the mirror. 0.97

00:58:55.000 If the answer is no to am I happy with myself, you need to fucking take real effort to change yourself. 0.98

00:59:01.000 Stop sitting there and making excuses for where you're supposed to be. 0.98

00:59:08.000 W-Rant. 1.00

00:59:09.000 Fucking incredible, man. 0.99

00:59:11.000 Incredible. 1.00

00:59:11.000 It's like, women are delusional about where they stand in the sexual marketplace. 1.00

00:59:15.000 Men are delusional about why they're not where they're supposed to fucking be in the sexual marketplace. 0.99

00:59:20.000 So, someone mentioned, why am I going to network people at Walmart that are higher up than me? 0.99

00:59:26.000 And I'm like, yo, are you serious, bro?

00:59:28.000 Like, if you're at a job, obviously speaking, you want to be the best you can at that job.

00:59:33.000 Because when you're the best at that job, you get what?

00:59:36.000 Opportunities.

00:59:36.000 I mean, anyone that's successful can tell you this.

00:59:38.000 You work at a job or company.

00:59:40.000 The higher up you go, the more opportunities you get.

00:59:43.000 So obviously speaking, you want to network with your boss.

00:59:45.000 People are better than you because they give you opportunities.

00:59:47.000 And they give you a pay raise.

00:59:49.000 I remember back in my job, bro, like...

00:59:51.000 I was making like a flat salary, less than $15 an hour basically they were making.

00:59:56.000 I said, you know what?

00:59:57.000 I want to make more money.

00:59:58.000 How do I do that?

00:59:59.000 People at the very top are making the most money.

01:00:02.000 So I talk to them, be cool with them.

01:00:04.000 Oh yeah, dude, work overtime.

01:00:06.000 It's unlimited.

01:00:07.000 Okay, awesome!

01:00:08.000 So now, working with them, being cool with them, actually getting into their meetings, I'm looking for a company, I got a raise, and I can work unlimited overtime.

01:00:18.000 What did that result to?

01:00:19.000 Me buying my first property.

01:00:21.000 So I mean, look, listen, you might say, oh, why be cool with my boss?

01:00:24.000 Why even network people in my company higher than me?

01:00:28.000 It's because it opens up the doors for you, which just means more access.

01:00:32.000 And again, guys, I get it.

01:00:33.000 You're saying, oh, well, you know what?

01:00:35.000 I'm working at McDonald's, Walmart.

01:00:36.000 It doesn't matter, bro.

01:00:37.000 It's just more opportunity.

01:00:38.000 And then when you get to that level where you're a manager, maybe you're even a boss of a store, Cool!

01:00:44.000 You're running the store.

01:00:45.000 Alright, now I can play this in my own business.

01:00:47.000 The skills I've learned from this job.

01:00:49.000 I make it work.

01:00:50.000 So, you might just say, why?

01:00:52.000 Why this company?

01:00:53.000 Why do this?

01:00:54.000 It's for a reason for yourself to become more successful and move forward, guys.

01:00:57.000 Look, I get it.

01:00:58.000 You don't want to be there at Walmart, McDonald's, but listen, you're there right now.

01:01:01.000 How do you get out of it?

01:01:02.000 Become better.

01:01:03.000 Work better.

01:01:05.000 Yeah, man.

01:01:06.000 And a lot of you guys have this mindset of, oh, I'm going to start off making $100,000 per year.

01:01:11.000 No! 0.86

01:01:11.000 It ain't fucking going to go that way, man. 0.86

01:01:13.000 You're going to have to work your way up. 0.90

01:01:14.000 I remember when I was an intern, I was making fucking like $900 every two weeks back in like 2010.

01:01:19.000 Every two weeks, like $800 to $900, man. 0.99

01:01:21.000 Fucking broke in college, trying to figure shit out, barely afford to live on anything. 0.99

01:01:26.000 And it's just like... 0.99

01:01:27.000 Hey, you're not always going to start off making a bunch of money. 0.75

01:01:30.000 Do not fall for this internet porn out here.

01:01:32.000 Oh, you're going to be an entrepreneur, laptop lifestyle at 19 years old, make it 100k a month. 1.00

01:01:36.000 It's not going to fucking happen, bro. 0.99

01:01:37.000 It's not going to fucking happen. 0.99

01:01:38.000 There's no such thing as a job is too low for you. 1.00

01:01:41.000 Work at McDonald's, work at fucking Burger King, Uber Eats, fucking drive Uber. 1.00

01:01:45.000 It doesn't matter. 1.00

01:01:46.000 Get your feet wet.

01:01:47.000 Make some money, and then climb up the totem pole, man.

01:01:49.000 You're going to have to scratch and claw to get to where you want to be in life, and it is what it is.

01:01:53.000 There's nothing wrong with working your way up, bro.

01:01:55.000 There's nothing wrong with that.

01:01:56.000 And you know what?

01:01:57.000 Here's the other thing, too. 0.98

01:01:58.000 You guys want to fucking know a secret? 0.99

01:01:59.000 It's better that you get it that way. 1.00

01:02:01.000 You look at a lot of these fucking delusional ass YouTubers that are young, they're fucking idiots! 1.00

01:02:05.000 They're fucking idiots! 1.00

01:02:07.000 Why are they idiots? 1.00

01:02:07.000 Because they've never had to endure and actually get out the fucking mud. 1.00

01:02:12.000 The important thing about suffering as a man is it teaches you fucking character. 1.00

01:02:16.000 So when I say shit like, yo, integrity. 0.99

01:02:19.000 Respect those that respect you. 0.99

01:02:20.000 Don't betray your friends.

01:02:21.000 Don't backstab them. 0.98

01:02:22.000 Don't sit there and talk shit about them on the internet after you worked with them. 1.00

01:02:25.000 That's fucking weird. 0.99

01:02:26.000 Be a guy that values relationships over clout. 1.00

01:02:31.000 A lot of these young guys don't understand a lot of this shit. 1.00

01:02:33.000 It's like I speak a fucking Chinese. 1.00

01:02:34.000 They don't even know what the fuck is going on. 1.00

01:02:37.000 I'm telling y'all. 1.00

01:02:37.000 You learn this shit when you climb up the ranks and you get out the mud. 1.00

01:02:41.000 Because you're not gonna get out the mud unless you understand that integrity and being truthful, being an honorable, dutiful man is gonna get you far in fucking life. 1.00

01:02:49.000 But you learn this shit through trials and tribulations of working a real fucking job. 0.99

01:02:53.000 I want y'all to be real fucking men. 1.00

01:02:55.000 Not being on the internet, cloud chasing all over the fucking place, not understanding how the world really works, and then you get in 25, 26 years old, you don't know shit, because you never actually had to endure, you never had to suffer. 0.99

01:03:05.000 Real men are made from suffering, okay? 0.99

01:03:08.000 When I was an athlete in college, and I was waking up every fucking morning at 5 o'clock, I didn't fucking feel like it, felt like shit, dizziness, because I had to run 7 miles, rowing all the time, going to the gym, etc., training 3, 4, 5 times a fucking day, for hours on end, I was like, God damn, this fucking sucks, but I thank God that I went through it. 0.99

01:03:25.000 Why? 0.99

01:03:25.000 So now, when I see some fucking loser like Anderson Reach, I know I'd smack the shit out of him because I've been through more in life. 0.99

01:03:31.000 It gives you the confidence. 1.00

01:03:32.000 It gives you the backbone to be able to stand there on your two fucking feet, ten toes down and say what the fuck you want to say because you've been through more than other motherfuckers. 1.00

01:03:39.000 A lot of you guys have now suffered enough and you wonder why? 1.00

01:03:41.000 No one fucking respects you because you're a bitch! 1.00

01:03:43.000 You're a fucking bitch! 1.00

01:03:44.000 You're sitting in your chest like... 1.00

01:03:48.000 You're a fucking pussy! 1.00

01:03:50.000 What the fuck is wrong with you? 1.00

01:03:51.000 If you've suffered enough, no one will stop you from getting it. 1.00

01:03:54.000 Okay?

01:03:55.000 You're gonna have the mindset that I have. 0.98

01:03:56.000 I will not fucking lose! 1.00

01:03:59.000 These two pussies in Canada try to destroy us. 1.00

01:04:01.000 Guess what fucking happens? 1.00

01:04:02.000 We became even stronger from that shit. 1.00

01:04:04.000 I'm like a fucking Saiyan. 1.00

01:04:05.000 You hit me, I lived through the battle, and I get stronger after the fact. 0.99

01:04:08.000 Now, we're number one fucking mess podcast in the world. 1.00

01:04:11.000 Those two pussy clowns tried to destroy us, and they fucking failed. 1.00

01:04:15.000 And Abba knows that if I ever see him, he's gonna see the wrath of fucking hell when I hit him in the fucking face with my fist and knock every tooth out of his fucking mouth. 1.00

01:04:21.000 That's why he ducked me. 1.00

01:04:22.000 That's what I want you to do.

01:04:24.000 I want your opponents...

01:04:25.000 To fear you!

01:04:26.000 Have the fear of God! 1.00

01:04:27.000 If I ever run into this motherfucker, he's gonna beat the shit out of me! 1.00

01:04:29.000 That's what I want! 1.00

01:04:30.000 Because you have the fierce tenacity that no one can fucking stop you! 0.99

01:04:34.000 You understand? 1.00

01:04:35.000 Stop being a fucking pussy in this chat! 1.00

01:04:37.000 Tell me some dumb shit about, I don't know where he's dead! 1.00

01:04:39.000 I don't know if I can do it! 1.00

01:04:40.000 Yes, you can! 1.00

01:04:42.000 Stop being a bitch! 1.00

01:04:45.000 Fuck, man! 1.00

01:04:46.000 That's what I want y'all to be. 1.00

01:04:47.000 Where everyone is scared of you. 1.00

01:04:49.000 They cannot stop you because they know if I get in this motherfucker's way, he's going to run me over. 1.00

01:04:54.000 And he's going to destroy me in the process. 1.00

01:04:56.000 No one can stop you.

01:04:58.000 That's what I want you guys to have.

01:05:04.000 Okay, that was a W rant, because that was real. 0.99

01:05:09.000 God damn, niggas pushed the grill of mine off the table. 1.00

01:05:13.000 Holy. 1.00

01:05:15.000 On a lighter note, that was a good rant, by the way.

01:05:18.000 Listen, here's some motivation for you guys, man.

01:05:21.000 You don't believe in yourself.

01:05:23.000 You don't know what to do.

01:05:24.000 You're making excuses for yourself.

01:05:26.000 Watch this video here.

01:05:28.000 It's at 8 million views right now.

01:05:29.000 I believe that people are in this position where they want to do better, but they can't.

01:05:33.000 In their head, when you know it's possible, you can do better for yourself.

01:05:37.000 So check this out real quick.

01:05:39.000 Make last month.

01:05:41.000 $120.

01:05:42.000 $30 a week is what you made last month.

01:05:44.000 How much money did we make?

01:05:44.000 If you're going to 10x rule, I really would like to make $100,000.

01:05:47.000 Why $100,000?

01:05:49.000 Done.

01:05:49.000 You don't have whatever it takes.

01:05:51.000 Thank you.

01:05:52.000 Good luck to you, all right?

01:05:53.000 Thank you.

01:05:53.000 Good luck to you, man.

01:05:54.000 This is what every company in America is going through.

01:05:57.000 We get worn out looking at resumes, so we end up hiring Walter.

01:06:16.000 So back then, I had a business.

01:06:22.000 30 bucks a week, right?

01:06:24.000 That was my little, like, actual salary.

01:06:28.000 Affiliate marketing.

01:06:28.000 It's terrible.

01:06:30.000 People laughed at me.

01:06:31.000 Talked about it.

01:06:32.000 I was nervous as hell.

01:06:34.000 Went to this job interview with Grant Cardone.

01:06:36.000 And obviously I'm nervous in that room.

01:06:37.000 I'm like, camera's here.

01:06:39.000 I want to work for him.

01:06:40.000 He's a mentor to me.

01:06:41.000 But it didn't work out, you know? 0.99

01:06:42.000 I felt like shit after that, of course. 0.96

01:06:44.000 And I didn't know what I wanted to do. 0.98

01:06:46.000 But I need one thing.

01:06:47.000 I don't want to give up.

01:06:48.000 And because of that, you know, I realized I was not fit to be in that room.

01:06:52.000 I was not where I needed to be, one.

01:06:54.000 Two, I wasn't able to actually comprehend, you know, that level of, I want to say, entrepreneurship.

01:06:59.000 And then three, I was not the man I needed to be.

01:07:02.000 But that sparked me going through other things and having my own thoughts, my own ideas.

01:07:06.000 And then from there, I worked two jobs where my ass off got to this point.

01:07:10.000 So, guys, you're asking the question, why network?

01:07:13.000 Why even push harder towards working in a company?

01:07:16.000 It's because, guys, that's where you're at right now.

01:07:20.000 It's not an end-all be-all, but that's where you're at right now.

01:07:23.000 So ultimately, if you work towards doing better for yourself in a company, what does that mean?

01:07:27.000 It translates to real life as well.

01:07:29.000 When you're in the gym working hard, that's kind of like your place to recover, have clarity, to release their frustration, right?

01:07:36.000 Same thing with your business, wherever you work.

01:07:38.000 You're working there right now at a job, but you're not there forever.

01:07:41.000 So work hard there, learn some skills for yourself to apply outside of the job, and make it work for you.

01:07:46.000 So that's what I would say.

01:07:48.000 Bam.

01:07:49.000 Chats, and then we...

01:07:50.000 Number one?

01:07:50.000 And then we'll go into number one.

01:07:52.000 Cool.

01:07:53.000 All right, let's see here.

01:07:54.000 Cool.

01:07:55.000 Okay.

01:07:56.000 We got Joe.

01:07:57.000 At age 27, in 2016, I decided to take out money I put into BTC. So I got anonymously sports gamble with family...

01:08:04.000 Sorry, without family finding out.

01:08:06.000 I hit a big parlay on 100 BTC. Goddamn. 0.99

01:08:10.000 I lost it all on sports. 0.99

01:08:11.000 Now I get sad every time I hear crypto, how to get over it.

01:08:17.000 That's life, bro.

01:08:17.000 You make mistakes.

01:08:19.000 You know, obviously that was a really bad mistake, and this is why we're so against gambling. 0.93

01:08:24.000 But you just gotta look at yourself and say, damn, well, if I made it one time, I could do it again. 0.99

01:08:30.000 I mean, bro, that sucks, bro. 0.99

01:08:32.000 100BTC? Yeah. 0.97

01:08:33.000 What'd you do with it? 1.00

01:08:34.000 God damn! 0.99

01:08:35.000 That's a couple millions now. 1.00

01:08:37.000 Hey man, you're still breathing, bro.

01:08:38.000 You might not get that back, but hey, you got something close to it.

01:08:42.000 Yeah, if you made it one time, you could make it again, bro.

01:08:44.000 You might not make as much, but you could definitely make something comparable to it again.

01:08:48.000 I want to gamble, though, bro.

01:08:49.000 I would just not gamble.

01:08:49.000 Yeah, just don't gamble, man.

01:08:51.000 This is why we're so against gambling, bro. 1.00

01:08:53.000 Fucking gambling is terrible, bro. 0.99

01:08:55.000 I'm 38 years old, firefighter, paramedic in Florida. 1.00

01:08:58.000 I make $85k a year, $100k with overtime or more.

01:09:01.000 I have a wife and two kids and a mortgage.

01:09:03.000 I want to be a better provider.

01:09:05.000 Only have $10k saved up and I feel broke.

01:09:07.000 How can I be better?

01:09:08.000 Well, my friend, again, you are working in Florida.

01:09:13.000 The salary for one job is not enough.

01:09:15.000 So you need either two jobs or a side business or a side hustle.

01:09:18.000 Either way, you need to make more time for your income and for your money.

01:09:22.000 Now, ultimately, it's going to suck because you have a wife and two kids, so less time for them.

01:09:26.000 But in the long run, the more money you make, the better for them as well.

01:09:30.000 Yeah.

01:09:30.000 It's a sacrifice, bro.

01:09:31.000 And also, look into investing in real estate, man.

01:09:34.000 You might have to move your family, right?

01:09:36.000 You might have to go ahead and do an FHA loan and move your family and get a multi-family, but that will set you up in the long term where you won't have to work as much in the future, man.

01:09:46.000 Jay the Shooter...

01:09:46.000 Oh, no, sorry.

01:09:48.000 LOL says, I love your socked feet, Myron.

01:09:52.000 Okay.

01:09:53.000 Jay Garcia says, Jay the Shooter is a successful...

01:09:59.000 Fire...

01:10:00.000 FFL? I would like to run a profitable firearm business in the future.

01:10:03.000 Suitable guest?

01:10:04.000 Oh, okay.

01:10:06.000 He has a firearms license to sell.

01:10:09.000 Darren Myron, in Norway, real estate faces challenges with the 22% of mortgage interest deductible? 0.99

01:10:15.000 Goddamn! 0.93

01:10:16.000 2,500 monthly loan may yield 1,700 in rent, causing a deficit. 0.98

01:10:21.000 Seeking advice on optimizing returns in this environment.

01:10:23.000 Your insights.

01:10:25.000 Bro, you gotta invest somewhere else.

01:10:26.000 So, if the returns aren't good where you are in real estate, you gotta go somewhere else.

01:10:31.000 Maybe it means you gotta start investing in the United States.

01:10:34.000 Maybe in, I wouldn't do Canada.

01:10:37.000 Maybe Dubai.

01:10:38.000 I know Dubai has a thriving real estate market right now.

01:10:40.000 But yeah, bro, if you're not going to get returns in your home country, look into becoming a foreign investor in the United States. 0.98

01:10:47.000 That sucks, bro. 0.99

01:10:48.000 Holy. 0.99

01:10:48.000 Yeah, I'm not surprised. 0.99

01:10:49.000 Super fucking woke, liberal country. 0.99

01:10:52.000 That's what they tend to do. 1.00

01:10:54.000 Jerome.

01:10:54.000 Jerome goes, y'all making me reconsider the two Glocks.

01:10:57.000 I bought this one on WFNF. Bro, what do you need two Glocks for, man?

01:11:00.000 Just get one.

01:11:00.000 That's it, man.

01:11:02.000 Nigga trying to be John Wick. 1.00

01:11:04.000 Yeah, man.

01:11:05.000 Yeah.

01:11:06.000 Come on, man. 0.67

01:11:07.000 Like, what the hell?

01:11:08.000 Faye's goes, Dear Myron in Norway, Real Estate.

01:11:11.000 Oh, no.

01:11:11.000 Read that one before.

01:11:13.000 No, he didn't.

01:11:14.000 I think he resented.

01:11:15.000 I guess he sent it twice.

01:11:15.000 He said it twice?

01:11:16.000 Yeah.

01:11:17.000 Yeah, but that's my answer to him.

01:11:19.000 Look elsewhere.

01:11:19.000 You got to look elsewhere, man.

01:11:21.000 Look into the United States, see if you can become an investor here.

01:11:23.000 Logan, evening brothers.

01:11:25.000 Myron, if you're able to discuss it, how much was your first ever real estate property?

01:11:29.000 Also, is it worth me going out there for closed properties to get started in real estate, or is there a better route?

01:11:33.000 Foreclosure is a great way to go.

01:11:34.000 It's just a little bit harder to go because you're going to have to go to the auctions, wake up in the morning early and go and bid on them.

01:11:40.000 But foreclosures are always good.

01:11:41.000 You can get them at a good deal.

01:11:42.000 My first property, guys, what I ended up doing was I took over a property from my parents that they couldn't afford to deal with anymore.

01:11:48.000 So I bought that cash and I took it and pretty much let the tenants know what fucking time it was and put it under new management and now we're good.

01:11:56.000 So that was my first property that I bought my childhood home. 0.96

01:11:59.000 Wow, that's hard, bro.

01:12:00.000 Yeah.

01:12:01.000 That's a good story, man.

01:12:02.000 I didn't tell y'all that story?

01:12:03.000 No.

01:12:04.000 You didn't mention it was your childhood home.

01:12:05.000 You just mentioned you bought a property for your parents.

01:12:07.000 Yeah, so, yeah.

01:12:09.000 Basically, my parents were struggling with this house.

01:12:13.000 The tenants weren't paying. 1.00

01:12:14.000 It was a pain in the ass. 0.99

01:12:15.000 They still had to pay the mortgage and everything else like that. 0.99

01:12:17.000 So I said, you know what?

01:12:18.000 I'll take it off, y'all.

01:12:19.000 I bought it cash.

01:12:20.000 Actually, I took my retirement money out, and I paid the rest of it in cash.

01:12:24.000 They'd had that house since, like, the year 2000. 0.99

01:12:26.000 Damn. 0.99

01:12:27.000 And my parents, like, kept refinancing it because they weren't the best financially. 0.99

01:12:31.000 So they had a lot of debt on it.

01:12:33.000 So... 0.51

01:12:33.000 They paid it down a good amount, and then I just paid off the rest of it, took it over, let the tenants know, I and my parents, I'm going to kick y'all the fuck out of here, I'm not nice like them, and they started paying rent, and we got it now under management, and it's good. 0.51

01:12:47.000 All right.

01:12:48.000 So yeah, got to bail them out of that situation.

01:12:50.000 That was good.

01:12:51.000 Yeah, man, it was tough for them.

01:12:54.000 Steve, and that was right when I left the government too, so it was a scary time in general.

01:12:58.000 But hey, man, who dares wins, right?

01:13:00.000 Made it work.

01:13:01.000 Steve goes, start a new job at a car dealership.

01:13:04.000 What would good advice going in?

01:13:07.000 Advice, average pay is actually 80K, which is mainly a commission-based, but has a great model and daily requirements, so I'm excited.

01:13:15.000 Would not have taken the steps if not for you.

01:13:18.000 Yo, just, bro.

01:13:19.000 Be nice to everyone.

01:13:20.000 Be respectful.

01:13:21.000 Be a sponge.

01:13:22.000 Soak up as much as you can.

01:13:23.000 It's a sales job, so it's going to teach you a lot of things about life.

01:13:27.000 You could take that skill set into other endeavors.

01:13:30.000 And, yo, just enjoy the ride, man.

01:13:32.000 But be nice.

01:13:33.000 Like, bro, be, just like Fresh said, with networking, one of the most important things is being humble.

01:13:37.000 Like, be a sponge.

01:13:39.000 Learn from everybody.

01:13:41.000 Be humble.

01:13:41.000 Be polite.

01:13:42.000 Always make yourself available.

01:13:44.000 If someone needs help, always help them.

01:13:46.000 Even without them even asking.

01:13:47.000 Just be that guy.

01:13:49.000 You see a colleague that's been on the job for a while.

01:13:51.000 He's doing a deal.

01:13:52.000 Whatever.

01:13:53.000 Can't find a pen. 1.00

01:13:53.000 You fucking walk in. 1.00

01:13:54.000 Here you go. 1.00

01:13:54.000 Bam. 1.00

01:13:55.000 You know what I mean? 1.00

01:13:55.000 Little shit like that. 1.00

01:13:56.000 People remember. 0.99

01:13:56.000 I'm telling y'all, man. 0.99

01:13:58.000 So, be an asset.

01:14:00.000 Just remember, people don't buy cars, they buy people.

01:14:03.000 Meaning, for example, if you are a good salesman, even the worst car in a lot, they'll buy from you.

01:14:08.000 So, it's just like sales, honestly.

01:14:10.000 So, I'll get a mentor in sales that's really good at sales.

01:14:14.000 I think we're a good car salesman. 1.00

01:14:17.000 Shit. 1.00

01:14:17.000 Even Grant, man. 1.00

01:14:18.000 Grant was a car salesman first.

01:14:19.000 Yeah, he was at one point.

01:14:21.000 Find a mentor in the space, learn about sales, and obviously practice with your clients and help them out as well.

01:14:26.000 But remember, put them first as a client.

01:14:29.000 Dr.

01:14:29.000 B84 or, yeah.

01:14:31.000 Oh no, Dennis.

01:14:33.000 Got a question for Fresh.

01:14:35.000 Fresh, I got a Civic right now.

01:14:36.000 What would you think if I got a pickup as my next vehicle?

01:14:39.000 I'm flipping the Civic.

01:14:40.000 I just finished fixing it.

01:14:41.000 I was planning on getting pickup to tow trailers.

01:14:45.000 Also, Wstream, Wchatting, sorry.

01:14:47.000 So you have a Civic right now.

01:14:48.000 You're trying to flip it?

01:14:49.000 So it looks like he's going to start a towing business?

01:14:51.000 How are you flipping a Civic?

01:14:52.000 Oh, maybe he works on it himself.

01:14:54.000 Okay, if that's the case, then that's fine.

01:14:56.000 Um...

01:14:57.000 Yeah, I don't see why not.

01:14:58.000 I mean, you can use the truck for towing vehicles to make some money. 0.95

01:15:02.000 Start a business and write that shit off and make sure the truck is over 6,000 pounds. 0.95

01:15:05.000 Actually, I know a guy that has a tow truck. 0.99

01:15:07.000 He started on Craigslist.

01:15:09.000 He's charging, I think, 300 bucks per pickup.

01:15:12.000 Now he charges $1,000 per pickup.

01:15:14.000 He has like two drivers too as well, making some good money too.

01:15:17.000 It starts small, but you can work on it and make it way better.

01:15:20.000 For my real estate business, I got a pickup truck.

01:15:22.000 I'll use my Amex Gold, my real estate card, to put the down payment on it.

01:15:26.000 And that car is over 6,000 pounds.

01:15:28.000 It's 100% going to get the tax benefit.

01:15:32.000 8%.

01:15:32.000 Yeah, man.

01:15:33.000 So make sure, yeah, 80% of it for this year.

01:15:35.000 So, yo, if you're going to pick up a pickup truck, just make sure it's over 6,000 pounds.

01:15:38.000 Write it off under your business and you'll be straight.

01:15:40.000 And if you can, try to see if you can put the down payment on the credit card.

01:15:42.000 There you go.

01:15:43.000 That's what I did.

01:15:44.000 Cheat code.

01:15:45.000 Yeah, man.

01:15:46.000 So you get all the benefits right there.

01:15:48.000 WFNF, I appreciated all the value, eat, pain, and suffering for breakfast, WT. That's what it is, man.

01:15:52.000 You gotta suffer, my friends. 0.99

01:15:53.000 A lot of you guys don't want to do it to fucking work. 1.00

01:15:56.000 That's why you stay broke. 0.98

01:15:57.000 DrB84 goes, when I started residency in 2012, I was making $44K a year.

01:16:01.000 I literally had one couch in my apartment, and it cost me $300, and I make $400K a year.

01:16:05.000 And on three sections in my house, three sectionals in my house, started from the bottom.

01:16:09.000 Shout out to DrB84, the doctor that got it out the mud.

01:16:12.000 There you go, bro.

01:16:13.000 Mando goes, want to put my rental in an LLC, live in Cali.

01:16:19.000 Issue is I'm not sure if I should own a trust to own an LLC so that I may never be sued directly.

01:16:25.000 Any suggestions that I can have the trust own more LLCs with one for each rental.

01:16:30.000 Where should the trust be?

01:16:31.000 Bro, just start simple. 0.99

01:16:33.000 Get your property LLC first before you start talking about trust and all this other bullshit. 0.96

01:16:36.000 Start with, like right now you're trying to sprint before you even learn how to crawl.

01:16:40.000 Get the property under an LLC first.

01:16:43.000 Have a holding company for that LLC. Then you can have a trust that holds all the main real estate LLC and all the subsidiary LLCs underneath that.

01:16:55.000 But right now you're trying to sprint before you even crawl, bro. 0.98

01:16:57.000 Get that shit first under an LLC before you even talk about trusts. 0.99

01:17:01.000 And to be honest, I want to worry about trusts until you got a couple of properties. 0.99

01:17:05.000 Alright?

01:17:07.000 Yeah, it's kind of doing too much.

01:17:08.000 Yeah.

01:17:09.000 Get the basics first.

01:17:10.000 A lot of you guys are analysis by paralysis, bro.

01:17:13.000 Or sorry, paralysis by analysis.

01:17:14.000 Y'all are like analyzing minute details when you don't have the basics down.

01:17:18.000 Get your property under an LLC first. 1.00

01:17:20.000 Get it off your fucking name. 1.00

01:17:21.000 Okay? 1.00

01:17:22.000 And we did a whole episode on that, by the way.

01:17:24.000 LLCs versus S-Corps.

01:17:25.000 Watch that that we did with Steve.

01:17:27.000 Yeah, very good episode.

01:17:27.000 Okay?

01:17:28.000 And I explain how you do that.

01:17:31.000 Cobalt says, moving cross-country in March, should I rent first to see where I want to buy or just do more due diligence up front and buy right away so I'm not wasting money on rent?

01:17:41.000 I'd rent first.

01:17:42.000 Yeah, rent first, bro.

01:17:43.000 Just because you need to learn your environments.

01:17:45.000 And obviously speaking, you might buy, but you might hate the area.

01:17:48.000 So just rent first, bro.

01:17:49.000 Rent first.

01:17:50.000 Rent first.

01:17:50.000 So you're not stuck with something, dude.

01:17:52.000 Yeah.

01:17:53.000 Um, Latino Engineer says, if it's not making you uncomfortable, you are not growing. 0.91

01:17:58.000 This kind of rant from Myron is what pushed me to level up from 100K to 350K and retired the wife. 1.00

01:18:04.000 Namely, getting over the fear of rejection and stop being a bitch. 1.00

01:18:07.000 Seek mentors. 1.00

01:18:08.000 There you go.

01:18:09.000 Good stuff, man.

01:18:10.000 I'm glad you're able to triple your income.

01:18:11.000 Deal the exit says...

01:18:12.000 A lot of you guys have it in you, man. 1.00

01:18:14.000 That's why I yell at y'all, because a lot of you guys are just fucking soft. 0.99

01:18:16.000 You have the mindset. 0.99

01:18:17.000 If you're watching us, I know you have the mindset. 1.00

01:18:19.000 Because clearly, you don't believe in the narrative on a bunch of this bullshit. 0.98

01:18:23.000 So, if you have the mindset to go and seek alternative information, because you know the Matrix is lying to you and all this other bullshit, you definitely have the mindset to go out there and be successful. 1.00

01:18:31.000 You need to nudge some of you pussies, because you guys are soft. 1.00

01:18:34.000 I think for people, if you don't know it's possible, you won't even try to do it. 0.99

01:18:38.000 And for me, I didn't know it was possible.

01:18:39.000 Remember, I'm from a small island, bro.

01:18:40.000 Never seen a Lamborghini.

01:18:42.000 Never seen a Ferrari.

01:18:43.000 Never seen a condo on this level, this high.

01:18:45.000 So I didn't know it was possible.

01:18:47.000 But coming here, learning from mentors, being open-minded, trying different things, I knew it was possible.

01:18:53.000 And a lot of YouTubers inspired me, like Grim Steffen, Grant Cardone, you know, obviously speaking like Stradman, all these people that had successful stories.

01:19:00.000 So, okay, they can do it.

01:19:01.000 Why can't I do it?

01:19:02.000 So I think the biggest thing known as possible, and then planning your goals around that.

01:19:06.000 Absolutely.

01:19:08.000 And then DODX says, finally, in a place to quit my federal job, I'm looking for advice on how you did it.

01:19:15.000 Liquidating your TSP, how did you avoid a tax penalty?

01:19:17.000 Also, if you didn't have to make the decision to quit or do the pod, do you think you would still be good at DHS? Yeah, I would have stayed.

01:19:25.000 If I didn't have to leave, bro, I would have 100% stayed.

01:19:28.000 Man, that was a great job.

01:19:31.000 Bro, congratulations.

01:19:32.000 That's awesome.

01:19:33.000 You're in a position now where you can pick what you want to do.

01:19:36.000 It depends.

01:19:37.000 If you don't like your government job, then obviously leave.

01:19:39.000 But if you enjoy it, bro, do both.

01:19:40.000 Do both, man. 1.00

01:19:41.000 You know, now it's just that you don't got to worry about your fucking supervisor being on your ass because you can literally tell him at any time, fuck off. 1.00

01:19:47.000 So, it's up to you, though, what you want to do. 1.00

01:19:49.000 Myron in the house. 0.98

01:19:50.000 There is no fucking excuse to not perform. 0.99

01:19:52.000 If you truly aspire to be a man worth your weight who can take care... 0.99

01:19:57.000 He loves to be around.

01:19:58.000 Then you need to perform.

01:19:59.000 You need to rise up every time.

01:20:01.000 Life tries to kick you down. 1.00

01:20:02.000 Fuck being mediocre. 1.00

01:20:03.000 Fuck being a bum. 1.00

01:20:04.000 Fuck being a brokie. 1.00

01:20:05.000 Level the fuck up. 1.00

01:20:05.000 WMRMW Fresh and big fucking W to everyone watching this and leveling up. 1.00

01:20:09.000 Thank you, man, so much. 0.95

01:20:11.000 Baywoods goes, I have a concern.

01:20:12.000 I'm upside down on my car.

01:20:14.000 10 G's and my payments are $800 a month. 1.00

01:20:16.000 Stupid decision I made years ago. 1.00

01:20:17.000 I'm thinking voluntarily. 1.00

01:20:19.000 Repo and hopefully settle with Collector for less.

01:20:21.000 Good or bad idea? 1.00

01:20:22.000 Bad fucking idea, bro. 0.99

01:20:25.000 So, I was on the phone with my friend that was at the dealership today, right? 0.99

01:20:28.000 Yo, repossessions, bro, are at an all-time high.

01:20:31.000 Yo, I can't sell you, bro. 0.98

01:20:32.000 How many cars have been turned in by or picked up by these companies, these banks, and the person's credit is fucked, right? 0.96

01:20:39.000 So, they want to get a new car to go to work. 0.96

01:20:41.000 Can't get a loan.

01:20:42.000 So... 0.52

01:20:43.000 I'll just say, bro, honestly speaking, bite the bullet.

01:20:47.000 Keep making the payments until you can pay it off fully. 0.99

01:20:49.000 I know it sucks, bro, but, like, dude, if you hit that hit on your credit, bro, it's going to fuck you up, bro. 0.99

01:20:54.000 Like, it's not worth it. 0.99

01:20:55.000 Like, you can recover in seven years, but is it worth it?

01:20:57.000 No.

01:20:58.000 Like, just don't do it, bro.

01:20:59.000 Like, you made a mistake, 100%.

01:21:00.000 I get that part, but, dude, just make the payments until you can pay it off.

01:21:04.000 Or, make a deal with the bank if you can.

01:21:07.000 Listen...

01:21:09.000 I'll make a lump sum payment, and then...

01:21:11.000 It depends on the bank, though, because I don't know if they'll do that.

01:21:14.000 It depends on the bank.

01:21:16.000 But if it's eating you that much, bro, you gotta bite the bullet, bro. 1.00

01:21:19.000 Damn. 1.00

01:21:19.000 Yeah, you have to. 1.00

01:21:21.000 But that's the problem, bro.

01:21:22.000 These banks will give you people loans, like 18 years old, 20 years old, of a BMW. I'm like, yo, they can't afford that shit. 1.00

01:21:27.000 Why are you giving them this loan? 1.00

01:21:28.000 But again, it's money in their pocket. 0.99

01:21:31.000 Guys, man, please don't take fucking... 1.00

01:21:32.000 Don't be fucking doing this shit with these cars, man. 1.00

01:21:35.000 Just buy a piece of shit cash, man. 1.00

01:21:37.000 $2,000, get yourself a Honda, nigga. 1.00

01:21:39.000 $800 for a car payment is incredibly high, bro.

01:21:42.000 That is high.

01:21:43.000 Dude, that's like...

01:21:43.000 What you whipping, bro?

01:21:44.000 Like a foreign? 0.99

01:21:45.000 That's a third of your paycheck, probably.

01:21:46.000 Or a quarter. 0.99

01:21:47.000 Goddamn. 1.00

01:21:50.000 You gotta be driving some fucking nice Mercedes or some shit for that. 1.00

01:21:54.000 Goddamn, bro. 1.00

01:21:54.000 It's not worth it, man. 1.00

01:21:55.000 I've seen so many kids that live at their parents' home, get a BMW or Mercedes, a high payment, and they say, oh, cool, I'm working at Publix.

01:22:02.000 All right, bro, let's half your paycheck.

01:22:03.000 Yeah.

01:22:03.000 How do you save and invest in yourself?

01:22:05.000 You can't.

01:22:06.000 Not worth it, bro. 1.00

01:22:07.000 It sucks, bro. 1.00

01:22:08.000 And again, buying shit that they can't afford to impress people they don't even like. 1.00

01:22:12.000 Yeah. 0.97

01:22:13.000 Debbie Meyer, thanks for clarifying.

01:22:15.000 Would you guys consider having someone on for vets to explain VA disability?

01:22:18.000 So many don't know.

01:22:19.000 I would suggest Combat Craig or VA Claims Academy from YouTube.

01:22:22.000 Very notchable.

01:22:23.000 We probably could, yeah.

01:22:24.000 Yeah, we could do that.

01:22:25.000 We had on...

01:22:25.000 What's his name?

01:22:27.000 What's his name again?

01:22:28.000 We could bring... 0.99

01:22:29.000 God damn it. 0.99

01:22:30.000 He did a documentary. 1.00

01:22:32.000 Oh, a documentary.

01:22:33.000 Remember?

01:22:34.000 He was here before.

01:22:35.000 He spoke with veterans.

01:22:36.000 Oh, um... 0.99

01:22:38.000 God damn it. 0.99

01:22:39.000 He's a Donculus. 1.00

01:22:40.000 Him?

01:22:41.000 The guy from Donculus.

01:22:42.000 Oh, yeah, yeah, yeah, yeah.

01:22:43.000 The author.

01:22:44.000 Yeah, yeah.

01:22:44.000 I can't remember his name, though.

01:22:45.000 Yeah, fuck it. 1.00

01:22:46.000 It's escaping me right now, too. 1.00

01:22:47.000 Someone in the chat's gonna put it.

01:22:48.000 Yeah.

01:22:49.000 What else do we got here?

01:22:51.000 Jay Salvador.

01:22:52.000 Howdy from Texas, gentlemen.

01:22:53.000 Hope y'all like my PFP profile photo.

01:22:57.000 Is that me?

01:22:58.000 Yeah.

01:22:59.000 Okay.

01:22:59.000 I can't see.

01:23:00.000 Love what you guys do, but when is Vice City Myron on the wall getting his waves?

01:23:03.000 I don't know.

01:23:04.000 Probably not.

01:23:06.000 J.H. Brown goes, Facts y'all, my boy is selling his single family home in San Diego.

01:23:10.000 He's worried about buyers in this market.

01:23:11.000 Two weeks later, BlackRock showed up offering all cash.

01:23:14.000 Come on, man.

01:23:15.000 You can't.

01:23:16.000 Shout out FNFWMediaMo.

01:23:17.000 I'm telling you guys, dude, like...

01:23:19.000 You can't make this up, bro.

01:23:20.000 People keep saying real estate is bad.

01:23:22.000 Yeah, that's what BlackRock puts out into the media because they don't want you guys to compete with them and they're buying all the single-family homes they can, bro.

01:23:27.000 You know what?

01:23:27.000 Sell it to us, bro.

01:23:28.000 Sell it to us, man.

01:23:28.000 Forget BlackRock.

01:23:28.000 Yeah, fuck with BlackRock, man.

01:23:30.000 Sell it to us. 1.00

01:23:30.000 Give us a discount. 1.00

01:23:31.000 Pressure figure discount.

01:23:31.000 You already know this nigga Plasma's playing to have fun.

01:23:34.000 FNF. What? 0.93

01:23:35.000 Playing to fucking win, bitch. 1.00

01:23:36.000 Bitch-ass niggas. 1.00

01:23:37.000 Okay. 1.00

01:23:38.000 I make almost 90K a year.

01:23:40.000 100K saved up.

01:23:41.000 Crazy.

01:23:41.000 The market we are in.

01:23:42.000 I could barely borrow 300K and shithole properties start at 400K. Our gen is doomed.

01:23:46.000 And those whore demons are helping. 1.00

01:23:50.000 Helping either. 1.00

01:23:51.000 Okay.

01:23:51.000 Are not helping either.

01:23:52.000 Yeah. 1.00

01:23:52.000 Shit happens. 1.00

01:23:53.000 Getting a loan now is going to be tough, bro. 1.00

01:23:55.000 I'm telling you.

01:23:57.000 Lavon goes, if you need another man to motivate you, you're already lost. 1.00

01:24:00.000 Stop being a bitch and try. 1.00

01:24:01.000 You know what's funny about that comment? 1.00

01:24:03.000 I would disagree.

01:24:04.000 Because, again, if you don't know it's possible, how can you even imagine to do it?

01:24:09.000 And I think for most people... 1.00

01:24:10.000 They might not have male figures in their house that can teach them to shit. 1.00

01:24:13.000 That's not in you. 1.00

01:24:14.000 I mean, I grew up with a single mom.

01:24:15.000 Luckily, my guy and I was there for me.

01:24:17.000 So he showed me a different way.

01:24:18.000 But if you don't have that, how do you even know to do better?

01:24:20.000 You can't.

01:24:21.000 It's like you're stuck in that little box of, okay, you know, go to school, get a job, take care of my mom. 0.99

01:24:26.000 Versus, there's actually a fucking man here telling me what to do that's done already. 0.99

01:24:30.000 That's a huge bro. 0.99

01:24:31.000 It's huge.

01:24:32.000 Big difference.

01:24:33.000 Yeah.

01:24:34.000 Big, big difference.

01:24:35.000 Jordan says, my side also is mobile car detailing and I make around 2k a month from it.

01:24:39.000 I use my personal truck to carry my equipment and tools.

01:24:42.000 How do I transition to a business vehicle or ride off my truck?

01:24:45.000 Mmm...

01:24:52.000 Well, you can probably, if it's your personal truck, bro, you might be able to write it off if you got a business.

01:24:56.000 You might have to do it retroactively.

01:24:59.000 Under the LLC, though.

01:25:00.000 Yeah.

01:25:00.000 Because right now, if it's under your personal name, you transfer that title to the LLC. Then, you can put it as a write-off.

01:25:06.000 But right now, it's not a write-off currently.

01:25:08.000 Trade it in and get another one.

01:25:10.000 You could do that, too.

01:25:11.000 And the next one you do, have the dealership or the owner put it under your LLC. Yeah.

01:25:17.000 Yeah.

01:25:17.000 That might be the move.

01:25:18.000 Hopefully he's over.

01:25:19.000 Talk about that accountant. 0.90

01:25:20.000 Maybe you could do something retroactively.

01:25:22.000 Yeah.

01:25:22.000 Hopefully.

01:25:22.000 I don't know.

01:25:23.000 John.

01:25:24.000 John goes, hello FNF. I'm 28 years old.

01:25:27.000 I moved to Florida near Orlando to make 100K a year.

01:25:31.000 I'm planning to open a business on the same niche at work.

01:25:34.000 I have 10K saved, but I need 35K to start.

01:25:36.000 What bank would you recommend to get the rest?

01:25:38.000 700 credit score.

01:25:39.000 Thanks for the help.

01:25:40.000 Watch the episode that we did with Neal Davis.

01:25:42.000 We talked about getting business line credit.

01:25:45.000 Loans.

01:25:46.000 Watch that episode.

01:25:47.000 He rattled off a bunch of banks that you can go to, actually.

01:25:50.000 So go watch that episode that we recently did with Neal Davis, bro.

01:25:53.000 That will be gold for you.

01:25:56.000 That's it.

01:25:57.000 Alright.

01:25:58.000 The last point.

01:26:00.000 Fight ways to not be broke anymore.

01:26:03.000 Alright?

01:26:04.000 Final round.

01:26:05.000 Number five, taking advice from the wrong people.

01:26:08.000 Number four, spending money that you don't have.

01:26:10.000 Number three, showing yourself with people of less value so you feel better.

01:26:14.000 Number two, always having a story or excuse why you can't make it.

01:26:17.000 It's a big one.

01:26:18.000 And number one, worrying about work-life balance.

01:26:21.000 So, I mean, guys, that right there, the term work-life balance just means...

01:26:28.000 You want an easy way to make money and still have fun at the same time.

01:26:33.000 And unfortunately, there's no way to do that.

01:26:35.000 Unless you're a chick. 1.00

01:26:37.000 Wink, wink.

01:26:38.000 Oh no, but to be real though, guys, as a man, I think for most people, we can agree here, I've been on the podcast, we've met in person, but They went through a period of time where they put all their money, time, and effort into a business.

01:26:50.000 And they didn't have any fun, bro.

01:26:52.000 It was basically, they sacrificed their time, money, and mental capacity towards the business.

01:26:58.000 Or even work for a company.

01:27:01.000 Which meant, they honed in, they didn't mow, whatever.

01:27:04.000 They were focused on that business.

01:27:06.000 Now, balance of work and life, probably there was no balance there, bro.

01:27:09.000 It was all hard work going towards direction or goal.

01:27:12.000 So, this theory or myth of work-life balance, if you're starting out from the very bottom on the way up, it doesn't exist.

01:27:20.000 It's like a far-fetched unicorn, you know?

01:27:23.000 Oh, where's the unicorn in the room?

01:27:24.000 It's not there, bro.

01:27:25.000 So, you have to work on yourself as a man and say, you know what?

01:27:28.000 Alright, I'm going to take this year, two years, three years, six months to myself and hone in and master a craft, a skill, or work in a business.

01:27:37.000 I can't answer you guys.

01:27:39.000 Six months to a year, if you plan to work, you can change your entire life.

01:27:42.000 I'm telling you.

01:27:42.000 It seems crazy, but learning a skill or a trade or even a business itself, six months to a year or more than that, that focus that you put into that can change your life.

01:27:53.000 But again, if that was possible, if you know you can do it, believe in yourself or your team.

01:27:58.000 So I would just say, word of balance, get out of your head, bro.

01:28:01.000 It's not a real thing until maybe you've reached a pinnacle of success where it can matter and it does make sense.

01:28:07.000 But at the very beginning, that balance is not there, bro. 0.90

01:28:10.000 Put your ass to work 20 hours if you have to, 16 hours if you have to a day. 0.95

01:28:14.000 But I guarantee you, once you finish that period of time putting that work, you're going to reap the benefits of you putting that work. 0.99

01:28:19.000 Because at the very beginning, guys...

01:28:22.000 You have to work hard.

01:28:23.000 Either work smart or work hard on yourself.

01:28:25.000 Then when that's done, you get to a certain level.

01:28:28.000 Then you can say, you know what?

01:28:29.000 Alright, I've made it.

01:28:31.000 I have family.

01:28:32.000 I've invested.

01:28:33.000 I'm good to go.

01:28:34.000 Let's do some balancing here.

01:28:36.000 But at the beginning, there's no skills being balanced here.

01:28:38.000 It's all hard work.

01:28:39.000 Or smart work.

01:28:41.000 You guys, it really comes down to this.

01:28:43.000 You can either A, right?

01:28:46.000 Sacrifice temporary fun.

01:28:48.000 For permanent dreams or sacrifice your permanent dreams for temporary fun.

01:28:53.000 And the reality is a lot of you guys are willing to sacrifice your permanent dreams for some temporary fun. 0.97

01:28:57.000 That temporary fun is never going to get you fucking anywhere. 0.98

01:29:00.000 Because I'll tell you this, going to the club, partying, drinking, popping bottles, are those people going to be there 10 years from now when you're fucking broke and wondering what the fuck you did in the years that you were supposed to be productive? 0.99

01:29:11.000 Let me tell you something, they won't fucking be there. 0.97

01:29:12.000 You won't even remember them. 0.99

01:29:13.000 You might have them in your phone log somewhere, but you won't even know who the fuck they are at that point. 0.98

01:29:18.000 Your party buddies and shit like that, they won't be around 10 years from now. 0.96

01:29:20.000 So you gotta ask yourself, Since they're not going to be around, you're going to have yourself. 1.00

01:29:24.000 Do you want to be able to look at that person in the mirror and be like, damn, I wasted all that time popping bottles, running around chasing women like a fucking moron, and I have nothing to show for it? 0.99

01:29:34.000 Or you could go ahead and sacrifice that fun right now and then be able to build yourself into a situation where you could go ahead and go to the club and it's not going to set you back. 1.00

01:29:43.000 It's not going to fuck you up because you built a solid foundation.

01:29:45.000 You built an empire up where now you have... 0.95

01:29:48.000 The privilege that you've earned, by the way, to go out and do these things. 0.76

01:29:53.000 But a lot of y'all, man, haven't built the kingdom up and you guys are out here, oh, I'm gonna go party, I'm gonna go have fun, I'm gonna go do all this other shit.

01:29:58.000 I've told you guys this before, I'm gonna say it again. 0.98

01:30:00.000 I thank God that I sacrificed my 20s, being a Division I athlete, not doing dumb shit. 0.86

01:30:05.000 Never taking a drug in my life. 0.99

01:30:06.000 Not drinking. 1.00

01:30:07.000 Not doing all that stupid shit. 1.00

01:30:08.000 It taught me the rudimentary basics of masculinity which is what? 1.00

01:30:13.000 Sacrifice. 0.97

01:30:14.000 Getting shit done regardless of how I feel. 0.99

01:30:14.000 Discipline. 0.99

01:30:17.000 All these sentiments are things that you need to become successful in other endeavors in life.

01:30:22.000 Okay?

01:30:23.000 And unfortunately...

01:30:25.000 It's just a rite of passage.

01:30:27.000 That's what you want.

01:30:28.000 That's what you need to do.

01:30:29.000 So a lot of you guys right now, bro, how do you deal with fear of missing out, man?

01:30:29.000 Alright?

01:30:33.000 I'm 22 years old, I'm sitting at home, I'm studying, or I'm doing work, and I don't know, all my friends are having fun on Instagram and shit like that. 1.00

01:30:40.000 Yeah, it fucking sucks. 1.00

01:30:43.000 It fucking sucks. 1.00

01:30:44.000 I can't tell you guys how many times. 1.00

01:30:45.000 My 20s were dedicated to the US government.

01:30:48.000 Uncle Sam took me from 20 all the way up until 30 when I left. 0.99

01:30:52.000 My 20s were a fucking wash. 0.99

01:30:54.000 Okay? 0.99

01:30:55.000 I was in Laredo, Texas, working all the time.

01:30:57.000 Didn't really have fun.

01:30:58.000 Every now and then, I went back to home to see my friends once a year, every August.

01:31:02.000 Other than that, it was work, work, work. 0.99

01:31:05.000 All the fucking time, guys. 0.99

01:31:06.000 And I'm glad for it because it kept me disciplined. 1.00

01:31:09.000 It kept me centered.

01:31:10.000 It kept me focused. 0.99

01:31:11.000 And it made me have this killer mindset where I'm not going to fucking lose. 0.98

01:31:16.000 And you need to be able to sacrifice fun, which is temporary by the fucking way, For long-term success, man. 0.99

01:31:24.000 That's just how it is, man. 0.98

01:31:25.000 Instant gratification almost always hurts you later on, guys.

01:31:28.000 Anything that's worth having always hurts up front, but then gives you long-term pleasure.

01:31:33.000 But anything that gives you up-front pleasure almost always hurts you long-term.

01:31:36.000 Someone said in the comments, my kids mean the world to me.

01:31:41.000 And I was like, understandable.

01:31:43.000 I don't have kids.

01:31:44.000 I can't relate to that.

01:31:45.000 I agree with you.

01:31:46.000 They mean the world to you.

01:31:47.000 But if you're broke, can you give them the world?

01:31:51.000 If they're sick, you need money for maybe operation, surgery, can you afford it?

01:31:57.000 If things go bad, you might lose your job.

01:32:01.000 Can you maintain a family?

01:32:02.000 I mean, bro, these are real questions, bro.

01:32:04.000 And it's like, bro, your kids, bro, love you. 1.00

01:32:04.000 This is real shit, man. 1.00

01:32:07.000 But do you love them enough to sacrifice, plan to work? 1.00

01:32:10.000 Do you?

01:32:11.000 So, I mean...

01:32:12.000 Good point.

01:32:13.000 A lot of you guys think being a broke kid is like, ha ha ha, yeah, man, I'm just couch surfing a little bit.

01:32:18.000 Like, I don't get it.

01:32:20.000 People...

01:32:21.000 Need you. 1.00

01:32:22.000 And your dumbass doesn't understand that people need you. 1.00

01:32:25.000 And you can't even take care of yourself. 1.00

01:32:26.000 How the fuck are you going to take care of a family? 1.00

01:32:28.000 Bro. 1.00

01:32:28.000 Don't you want a son or a daughter that can look up to you and be like, damn. 1.00

01:32:31.000 They don't need a Batman or a Superman or any of this shit. 1.00

01:32:37.000 You're their fucking hero. 1.00

01:32:39.000 Bro. 1.00

01:32:39.000 My mom is 71 years old. 1.00

01:32:41.000 Right?

01:32:41.000 She worked her whole life for me.

01:32:43.000 Sacrifice.

01:32:44.000 And I remember she gave up her dream of playing tennis to raise me.

01:32:50.000 Dude.

01:32:51.000 The moment I got some money to retire her and basically give her the best world possible of traveling, having fun with her friends to give back, how could I say no to that?

01:33:02.000 How could I say, oh yeah, well too bad mom, you worked hard for me but I'm going to go live my life.

01:33:07.000 No.

01:33:08.000 First thing on the day was, in case I could tell you, retired my mom.

01:33:12.000 She's going on cruises now, traveling with her friends, happy, but I couldn't do that if I was a brokie. 0.97

01:33:18.000 You know what I'm saying?

01:33:19.000 I just bought a new car.

01:33:20.000 60k.

01:33:21.000 Paid in cash.

01:33:22.000 No payments.

01:33:24.000 Houses paid off.

01:33:25.000 Retired.

01:33:26.000 She gets paid a monthly salary from my business every month.

01:33:29.000 It's like, bro, that's not possible if I'm a brokie.

01:33:32.000 And...

01:33:34.000 I remember, bro, working on my job, right?

01:33:36.000 Late night.

01:33:37.000 People are like, yo, fresh!

01:33:39.000 Come car, come party with us, come drink beer with us, come have fun with us at the club.

01:33:42.000 Like, come with us, man.

01:33:43.000 Work is done.

01:33:44.000 I'm like, no, I gotta stay here, bro.

01:33:46.000 6 a.m., I'll go to work, leave at 12 midnight.

01:33:48.000 Every day. 1.00

01:33:49.000 Fucking sucks, bro. 1.00

01:33:50.000 I wanna cry sometimes. 1.00

01:33:51.000 I'm here by myself. 1.00

01:33:53.000 Fucking sucked. 1.00

01:33:54.000 But what do they want? 1.00

01:33:55.000 Freedom.

01:33:56.000 Retire my mom. 0.76

01:33:57.000 Lambo.

01:33:58.000 Lifestyle.

01:33:59.000 Being able to wake up and do what I want every single day.

01:34:01.000 You can't do that if you're broke, bro.

01:34:03.000 You can't.

01:34:04.000 So, what does that mean to you, bro?

01:34:05.000 Like, do you want to live, like, a broke for the rest of your life?

01:34:08.000 Or do you want to change it for your family and yourself?

01:34:10.000 And your kids as well.

01:34:11.000 Yeah, and you might not even care about stunting and everything else like that, man, but do you care about the people that care about you?

01:34:15.000 Can you take care of them?

01:34:16.000 You know what I mean?

01:34:17.000 Like, can you take care of your parents?

01:34:18.000 Can you take care of your family? 0.99

01:34:20.000 The answer is no, then you need to make it a fucking yes. 1.00

01:34:22.000 It's not about stunting again, bitches. 1.00

01:34:23.000 This isn't about that. 0.99

01:34:24.000 It's about being able to take care of the people that you care about.

01:34:28.000 You know?

01:34:29.000 Like, my parents don't gotta fuckin' work anymore, right?

01:34:32.000 You know, my dad, he's hard-headed so he's gonna keep his job because he doesn't wanna leave and he's gonna get his pension and my mom doesn't like to have idle hands. 0.94

01:34:39.000 But they don't need to fuckin' work. 0.90

01:34:40.000 You know what I mean? 0.94

01:34:41.000 I pay their mortgage, I take care of them, whenever they need I always cover it.

01:34:44.000 But that's where you wanna be.

01:34:45.000 You wanna be able to take care of the people that took care of you. 1.00

01:34:48.000 Like, what the fuck, man? 0.99

01:34:48.000 Like, this is way bigger than just you guys. 0.99

01:34:50.000 That's selfish, man.

01:34:51.000 Like, a lot of y'all are like, oh, I don't need money like that, blah, blah, blah.

01:34:54.000 It's not about having money just for you.

01:34:55.000 It's about having money for the people that you care about so they don't have to worry about you, man.

01:34:59.000 So they can not have to worry. 0.99

01:35:01.000 They can fucking, if they want to go ahead and retire, you want your parents to keep working until they fucking die? 1.00

01:35:05.000 The fuck is wrong with you? 1.00

01:35:06.000 Nothing about it, bro. 1.00

01:35:07.000 That's selfish, bro.

01:35:08.000 You being broke is selfish, bro.

01:35:09.000 Because people that put you into this world, bro, that care about you, they work hard to sacrifice for you.

01:35:15.000 You can't do the same for them?

01:35:17.000 It's true.

01:35:18.000 That's selfish, man.

01:35:19.000 If you think about it.

01:35:21.000 Yeah, man.

01:35:22.000 Make a change, bro.

01:35:23.000 Yeah, man.

01:35:23.000 Guys, I'm telling you, man.

01:35:24.000 If you don't sacrifice fun, you're going to have to sacrifice your dreams.

01:35:29.000 That's what it comes down to.

01:35:30.000 What do you want to do?

01:35:32.000 So I think anything else?

01:35:32.000 All right.

01:35:34.000 That's pretty much it.

01:35:34.000 That's pretty much it, man.

01:35:35.000 We'll read the chats and we'll close this thing out.

01:35:38.000 What do we got here?

01:35:40.000 3020 goes, definitely need a Myron Rant channel so I can listen while working out or working.

01:35:44.000 I got y'all.

01:35:46.000 Dennis.

01:35:47.000 Oh, Dennis goes, um...

01:35:49.000 Guys, it's Dennis again.

01:35:50.000 I just finished flipping the Civic.

01:35:52.000 It was hit in the front and...

01:35:54.000 Okay, got it.

01:35:55.000 Now I see what you did here.

01:35:56.000 I won it off auction on Copart, planning on selling it for $13,000 to $14,000.

01:36:00.000 I was planning to buy Silverado 2500 2016 and save some money from my job to buy pickup.

01:36:06.000 So what he did was he bought the car damaged, fixed it up, I'm just gonna sell it for more.

01:36:10.000 That makes a lot of sense.

01:36:11.000 There we go.

01:36:12.000 Good job, bro.

01:36:13.000 Good job.

01:36:13.000 Send the Rockets.

01:36:14.000 Send the Rockets says, Myron Fresh, thank you.

01:36:17.000 I follow what you guys say 100%.

01:36:18.000 My two-year-old son, mom, self-deleted this year due to seeing me elevating other issues.

01:36:24.000 I'm married to a 24-year-old.

01:36:26.000 She takes care of him out of the country in my foreign house. 0.97

01:36:29.000 Should I bring her back?

01:36:29.000 No.

01:36:31.000 Don't bring her back, bro.

01:36:31.000 Yeah, don't bring her, bro.

01:36:33.000 Let her be over there. 1.00

01:36:34.000 The problem is, bro, the moment you bring her back...

01:36:36.000 TikTok, the mentality, the environment will change her to be unfit to be your thinker. 1.00

01:36:42.000 She's going to deprogram a lot of the good habits that she has, unfortunately, bro. 0.94

01:36:46.000 It sucks, bro, but that's the reality. 0.89

01:36:48.000 Just let her stay over there. 1.00

01:36:49.000 Yeah, bro.

01:36:50.000 And it'll be better for you anyway.

01:36:51.000 You'll be able to take care of them better, give them a better quality of life.

01:36:54.000 Actually, you're right, because the money is going to go way further.

01:36:56.000 It's going to go way further.

01:36:57.000 Depending on where she's at.

01:36:58.000 Thank you, amigos.

01:36:59.000 I went from 45K as a janitor a year to 73K. Hospital tech, it's only the beginning.

01:37:03.000 Gracias, single father.

01:37:05.000 And my pride and joy is my daughter.

01:37:07.000 Muchas gracias, cabrones.

01:37:08.000 Shout out to you, my friend.

01:37:09.000 That's what it's about, man.

01:37:10.000 For all the haters out there that say, bro, not everyone's going to become a millionaire or become a six-figure earner.

01:37:14.000 Bro, that guy just almost doubled his income.

01:37:16.000 That's a W for us, man.

01:37:17.000 That's a W for him. 1.00

01:37:18.000 You know what's funny about having- And most importantly, it's a W for his fucking daughter. 0.99

01:37:20.000 About having money? 0.99

01:37:21.000 You don't need a lot to enjoy life.

01:37:23.000 No, you don't.

01:37:24.000 You really don't.

01:37:25.000 Like, dude, the more money I make, the more I'm in this lifestyle.

01:37:28.000 You could tell as well because you're a minimalist.

01:37:30.000 It's like, the things I want to do aren't that expensive.

01:37:34.000 Yeah.

01:37:35.000 Maybe go play some golf with some friends, eat some food, go Dave and Buster's, you know, play around a little bit.

01:37:43.000 Maybe go on the app with some friends.

01:37:45.000 They pay for most of it.

01:37:46.000 It's split between all of us.

01:37:47.000 It's like, it's not expensive.

01:37:49.000 But if you look at it as keeping up with the Joneses, then it is.

01:37:52.000 So it just depends on what you want, man.

01:37:55.000 And again, you don't need to be a millionaire to enjoy life.

01:37:57.000 You don't have to be a millionaire.

01:37:58.000 You don't.

01:37:59.000 We just want y'all to be...

01:38:00.000 Every single one of y'all watching could be a six-figure earner, bro. 0.94

01:38:03.000 Every single one of you guys can fucking do it. 0.80

01:38:05.000 Like I said before, you already have the right mindset because you're watching this kind of content, which already tells me that you're Red Pillow wear to some degree. 0.98

01:38:10.000 Then you're watching a Money Monday, even better. 0.99

01:38:12.000 So every single one of you motherfuckers, all 9,000 plus you guys... 1.00

01:38:16.000 Well, no, over 10,000 of you guys in here watching right now can be a six-figure earner. 1.00

01:38:20.000 You got these bimbos on here. 1.00

01:38:21.000 If anything, use the motivation of these whores coming on here showing their butthole making $100,000 a month. 1.00

01:38:26.000 Y'all tell me he can't do that a year? 0.99

01:38:27.000 I think Andrew posted this as well.

01:38:29.000 There's a girl on TikTok that does the NPC movements.

01:38:33.000 He was saying in a nutshell, she's making like what?

01:38:36.000 I think 30k a week or something like that?

01:38:38.000 Yeah.

01:38:39.000 Or a day or something like that? 1.00

01:38:39.000 Yeah, something stupid, bro. 1.00

01:38:41.000 How else you're making more money than you? 1.00

01:38:44.000 Like, just saying random shit. 1.00

01:38:46.000 Absolute moron. 1.00

01:38:47.000 It's crazy. 1.00

01:38:47.000 Absolute moron. 1.00

01:38:48.000 But that's the world that we live in. 1.00

01:38:49.000 If you let it affect you. 0.99

01:38:51.000 If that dumb bimbo can make it, you guys can too. 1.00

01:38:53.000 Exactly. 1.00

01:38:54.000 So.

01:38:55.000 All right.

01:38:56.000 Jaden Pina just subbed the channel.

01:38:58.000 Shout out to you, bro.

01:38:59.000 And Momo Yasin says, Hey, Myron Refresh.

01:39:01.000 Thanks for the tips.

01:39:05.000 Question.

01:39:05.000 If the interest rate is too high, bro, which it probably is, you might need to just pull the trigger and get rid of that debt,

01:39:20.000 bro.

01:39:24.000 Because the interest is going to accrue at a higher rate than whatever he's going to get out of that S&P 500 account.

01:39:31.000 Consumer debt, man.

01:39:32.000 Y'all gotta get it down, bro.

01:39:33.000 You guys gotta get it down because it will absolutely eat you alive.

01:39:36.000 Also, being debt-free is one of the first steps to being successful as well.

01:39:40.000 Yeah.

01:39:40.000 When you're in hella debt that's bad debt, you can't really...

01:39:43.000 Do the math.

01:39:43.000 Crunch the numbers.

01:39:44.000 Yeah.

01:39:45.000 Unless you got some kind of deferment plan where you got 18 months interest-free or some shit like that, that's different.

01:39:49.000 But if you don't got debt interest-free...

01:39:52.000 Bro, I already know.

01:39:52.000 Amex, they're going to be charging you somewhere between 13% to 30% easily.

01:39:56.000 And then if it's a charge card, oh lord.

01:39:58.000 Even worse.

01:40:00.000 So, bro, y'all need to be careful with that, man.

01:40:02.000 Video Games TV says, on YouTube a long time ago, Ninja Watcher guys, I would like to sell my gaming YouTube channel and eBay does not allow for this type of advertisement.

01:40:12.000 Can I please use your platform?

01:40:13.000 Do so.

01:40:14.000 Thank you in advance.

01:40:18.000 Okay. 0.99

01:40:18.000 Bro, use that YouTube channel and make some goddamn money, bro. 0.99

01:40:21.000 Andy Elliott broke the record in the U.S. for the most money made a year. 0.99

01:40:25.000 Car salesman at $715,000 at one year.

01:40:27.000 Please get him for Money Monday.

01:40:29.000 I don't know who that is, but okay.

01:40:30.000 That's dope, though.

01:40:31.000 All right, guys.

01:40:31.000 All right, man.

01:40:32.000 We're going to be back here with some girls for after hours for y'all. 1.00

01:40:36.000 Hope you guys enjoyed that episode. 0.99

01:40:37.000 Hopefully, we'll put a fire under your ass. 1.00

01:40:38.000 You're going to stop being a brokie. 1.00

01:40:39.000 And last thoughts, man.

01:40:41.000 Being broke is being selfish.

01:40:43.000 100%, bro.

01:40:43.000 Absolutely, man.

01:40:44.000 Stop being a brokie, guys. 1.00

01:40:45.000 We'll catch you guys back here in a little bit.

01:40:46.000 Peace.

01:40:49.000 So far away I just ran I ran all night and day

Fresh & Fit - December 18, 2023

Top 5 Reasons Why You Are Poor

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