The Debrief With MyronGainesX - How To Get Rich With Credit, The TRUTH About The Bondi Beach Shooters, Rob Reiner Murdered By Son？!

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00:07:32.000 All right.

00:07:32.440 We're live.

00:07:32.760 What's up, guys?

00:07:33.780 Welcome to the stream.

00:07:34.600 Welcome to the stream.

00:07:35.280 As you guys know, we're live streaming on all the platforms right now.

00:07:38.900 We're on YouTube, Rumble X.

00:07:40.900 We're on the Fresh to Fit channels as well.

00:07:44.120 Doing something a little bit different.

00:07:45.240 And I think you guys enjoyed.

00:07:46.240 I think you guys enjoyed the last time when I did a Money Monday.

00:07:49.420 All right.

00:07:49.620 We're live.

00:07:49.940 What's up, guys?

00:07:51.020 Welcome.

00:07:51.580 Sorry.

00:07:54.860 Close out some of these tabs.

00:07:57.000 So, yeah.

00:07:57.240 We got a lot to cover today, guys.

00:07:58.220 So, I'm going to kick the show off with, obviously, Money Monday.

00:08:03.080 You know, well, Fresh could tell the story later when you guys see him for After Hours.

00:08:08.620 But we do have After Hours tonight.

00:08:10.160 But let's see here.

00:08:14.420 Anyway.

00:08:16.840 We do have After Hours tonight.

00:08:18.140 So, I figured, you know what?

00:08:19.040 I'll just go ahead and knock out Money Monday real quick.

00:08:21.560 We're live also on Fresh to Fit right now, guys, on Rumble and on YouTube.

00:08:24.860 As you guys know, the Fresh to Fit channel, pretty much on YouTube, we've turned it basically

00:08:29.340 into, like, a financial channel almost.

00:08:30.960 We only cover Money Mondays on there.

00:08:33.320 And then we also, what was the other thing I was going to say?

00:08:38.760 Sorry.

00:08:40.900 And, you know, we'll see what happens if we get re-approved into the YPP.

00:08:44.060 If we do, then we can go from there.

00:08:45.240 But for now, it's a financial channel only.

00:08:47.960 And then all the other stuff goes on Rumble for Fresh to Fit, man.

00:08:50.980 So, if you guys, obviously, you know, have been wondering where we've been on YouTube,

00:08:55.400 we're still here.

00:08:56.300 It's just that we've pretty much moved the channel, essentially, the majority of the content

00:09:03.260 over to Rumble only.

00:09:06.220 We also stream on Kick, too, but we don't promote that as much.

00:09:09.640 But, yeah.

00:09:10.800 So, what's the stuff today?

00:09:12.180 We're going to talk about credit.

00:09:13.580 Okay?

00:09:14.200 We're not going to spend too much time, guys, so get your questions in now while you guys

00:09:16.880 can.

00:09:17.380 You guys have been asking me to do another Money Monday on here on Myron Gains X, so I'm doing

00:09:20.520 it, basically.

00:09:21.540 And I'm also streaming on Fresh and Fit.

00:09:23.620 But let me just make sure I'm not missing anything here from chat.

00:09:28.940 What happened with the rest of the Diddy documentary from Low Red?

00:09:31.880 It's on Party.

00:09:35.140 Flaminger says, you know you spent the right amount of time around Myron when you hear

00:09:38.220 someone play drill music loudly in a car next to you and you think it's Wakanda.

00:09:41.800 Yeah.

00:09:42.760 Myron, I'm Aussie and I'm embarrassed for the other day.

00:09:45.300 I saw you were going to talk about the shooting, but I also understand that things don't always

00:09:48.240 go to plan.

00:09:48.720 Again, people just think they have the right to complain regardless of the circumstances.

00:09:52.980 You know, a lot of us are all like them and some of us actually respect your time and don't

00:09:56.160 feel beholden to it.

00:09:56.780 I appreciate that, bro.

00:09:57.560 Thank you.

00:09:58.540 Yeah, yeah.

00:09:58.840 That guy was a weirdo, but it's cool, man.

00:10:01.140 You know, we're going to cover it today, though, so don't worry.

00:10:04.200 Definitely going to go into it.

00:10:05.900 We're going to cover that.

00:10:07.080 We're going to cover the Rob Reiner murder.

00:10:11.060 Absolutely nuts.

00:10:11.660 He got, you know, him and his wife were found. 0.64

00:10:13.620 Murder.

00:10:13.760 But yeah, I'm not going to spend too much time on the Money Monday.

00:10:15.640 I'm going to cover a bit of it, guys.

00:10:17.360 Have a Q&A.

00:10:18.620 And then what I'm going to do after that is I'll cut the Freshly Fit Streams on Castle

00:10:26.900 Club and YouTube and Rumble.

00:10:29.100 And then we'll keep, well, I could probably keep Castle Club open.

00:10:31.780 But yeah.

00:10:32.120 And then I'll, you know, go from there.

00:10:34.800 But let's see here.

00:10:37.240 Let me make sure.

00:10:38.100 Okay.

00:10:41.300 Okay.

00:10:41.760 So let's talk about credit.

00:10:42.760 Okay, guys.

00:10:46.060 So this is something.

00:10:49.720 And this is, again, this is like beginners, right?

00:10:52.020 Like basic stuff.

00:10:54.000 Because I realized that every time I build up a new audience, get new people and stuff

00:10:57.100 like that, they haven't watched our, you know, Money Mondays episodes before.

00:11:01.540 So I'll kind of go through this.

00:11:02.620 And also we got a lot of people on Myron Games X that have never seen me do financial

00:11:05.860 content, right?

00:11:06.400 They might have seen me do the minimalism episode a week or two ago, but they've never

00:11:11.760 really seen me talk about credit.

00:11:12.860 So, you know, a refresher.

00:11:15.060 So if you guys, you know, I've seen, if you guys understand credit very well, you could

00:11:19.160 still possibly learn something here.

00:11:20.660 But regardless.

00:11:21.740 So in the United States, guys, okay, right?

00:11:26.640 And as well as many other Western countries, credit is extremely important.

00:11:32.960 Okay.

00:11:33.460 What is credit?

00:11:34.260 Credit is basically your, think of it as like a score of your trustworthiness, right?

00:11:40.180 Your financial responsibility capabilities.

00:11:43.620 Okay.

00:11:44.140 How financially responsible are you?

00:11:46.620 Typically, the higher credit someone has, the more financially responsible they are, right?

00:11:52.800 And the higher your financial responsibility, i.e.

00:11:57.800 credit score, the more opportunities are afforded to you to get money lent to you that can be

00:12:04.120 used to purchase things, right?

00:12:06.940 Now, let me be very clear about this, okay?

00:12:10.380 I know people like Dave Ramsey and others say debt is bad no matter what, right?

00:12:17.060 And I would say if you're a normie, yes, this is true.

00:12:19.640 Debt is bad for the average normie, et cetera.

00:12:23.260 But if you're watching me right now, more than likely you go against the grain on some things

00:12:28.160 or you're on the path to getting there, okay?

00:12:32.500 People that watch me typically aren't normies.

00:12:34.700 You seek out this type of information, right, when it comes to improving your dating life,

00:12:39.740 how to be attractive, how the world really works, et cetera.

00:12:43.700 If you're watching my stuff, I already know you're red pill to some degree, right?

00:12:47.060 So that applies even with finances.

00:12:49.640 Now, most Americans are really bad with money.

00:12:53.640 We know this.

00:12:54.380 We know even six-figure earners, a majority of them live paycheck to paycheck.

00:12:59.080 We know a lot of, we know a lot of, excuse me, guys.

00:13:06.140 We're on a solo show here.

00:13:07.340 Okay.

00:13:09.120 We know a lot of Americans live paycheck to paycheck.

00:13:11.260 We know a lot of Americans wouldn't be able to cover an emergency $500 to $1,000 expense, right?

00:13:16.600 We know a lot of Americans don't have savings, et cetera.

00:13:19.160 I don't want you guys to be that way, right?

00:13:21.320 But I do think it's important that we understand good debt versus bad debt.

00:13:25.040 Now, for normies, you watch Dave Ramsey, he's going to tell you all debt is bad,

00:13:27.720 which I understand, right?

00:13:29.060 Because, um, Kamala Gang. 0.93

00:13:39.460 Which I understand because when you explain finances to people,

00:13:43.100 you got to, you got to go off the lowest common denominator.

00:13:46.940 And since most Americans are fiscally irresponsible,

00:13:49.740 telling that you can acquire debt in one way, it might mess everything up

00:13:54.400 because they won't understand this.

00:13:56.080 But since I, but I give you guys far more credit than that.

00:13:58.840 So I'm going to kind of give the difference here, right?

00:14:01.400 Because I already know just by you guys watching me, you're not normies.

00:14:03.400 So you have consumer debt and then you have real estate debt, okay?

00:14:11.140 When it comes to consumer debt, this is what you would typically assume.

00:14:15.740 Credit card spending, buying things that aren't necessarily assets, right?

00:14:21.480 Running up the credit card for random stuff.

00:14:25.140 Movies, experiences, vacations, clothes, cars, like a bunch of BS, right?

00:14:30.240 And then you have real estate debt where you go to a bank,

00:14:35.200 you put down anywhere from three to 20% of a home, right?

00:14:41.720 Down payment.

00:14:42.640 Say a house is $100,000.

00:14:44.840 You put somewhere between three to $20,000 down, right?

00:14:49.760 20%.

00:14:50.320 And the bank gives you the other 20 to 97%,

00:14:56.440 97 to 20%, depending on what type of loan you're getting.

00:14:59.280 If it's your first time buying a house,

00:15:01.060 you can get approved for like a three to 5% down payment.

00:15:05.140 If you're a real estate investor, you got to put about 20% down, right?

00:15:09.080 But the bottom line is that the bank is giving you the majority of the money

00:15:12.000 to purchase the home, okay?

00:15:15.460 Now, let me be explicitly clear about this

00:15:17.960 because this is extremely important.

00:15:19.620 Bank of America will give you a loan, right?

00:15:27.700 To buy a home, but they won't give you a loan to buy their stock.

00:15:39.540 Let that sink in.

00:15:41.800 Bank of America, or any bank for that matter,

00:15:44.700 will give you a loan to purchase a home instead of their stock.

00:15:51.920 Why am I telling you this?

00:15:53.480 I'm telling you this because it goes to show

00:15:55.540 the security at which banks feel

00:15:59.120 to lend you money to buy real estate

00:16:01.800 because real estate, okay,

00:16:04.480 is a tangible asset

00:16:06.140 that typically holds

00:16:10.200 but more than likely appreciates in value, right?

00:16:15.960 It's a hard asset.

00:16:20.560 And fortunately,

00:16:22.340 we only have limited space on earth

00:16:24.200 so you have a finite amount of land, right?

00:16:29.220 Though it is small,

00:16:30.640 that little piece of property that you buy

00:16:32.320 in the grand scheme of things,

00:16:33.040 it is still a part of earth.

00:16:35.340 So therefore,

00:16:36.320 it's solid.

00:16:39.700 If I can break it down in a simple manner.

00:16:42.800 So,

00:16:43.660 if you're able to go ahead and get this loan

00:16:47.420 to purchase this home,

00:16:50.200 that should tell you guys

00:16:50.900 that real estate is a very respected

00:16:53.320 and trusted asset class.

00:16:56.700 95% or so,

00:16:59.200 or over 90% of millionaires

00:17:01.720 make their first million on real estate.

00:17:04.880 And I'll tell you guys,

00:17:05.960 I actually didn't know

00:17:07.900 I was a millionaire

00:17:09.620 until like my real estate guy told me.

00:17:11.580 I'll never forget.

00:17:12.260 I'm just sitting on the phone

00:17:12.900 talking to them about some other stuff.

00:17:14.440 He's like,

00:17:14.680 oh, yo,

00:17:15.000 did you know that you,

00:17:16.060 you know,

00:17:16.900 the house is worth this much,

00:17:18.080 this house,

00:17:18.440 blah, blah, blah.

00:17:18.760 And you're like,

00:17:19.060 wait, what?

00:17:19.500 And I was like,

00:17:19.880 well, what?

00:17:20.420 He's like,

00:17:20.700 yeah, yeah, yeah.

00:17:21.480 And then I did the math.

00:17:22.220 I was like,

00:17:22.400 oh, wow.

00:17:23.980 Because your net worth is simply,

00:17:25.220 you know,

00:17:26.140 total money you have minus liabilities.

00:17:28.300 So the houses I had purchased

00:17:29.840 appreciate over time.

00:17:32.700 And then before you know it,

00:17:33.680 boom,

00:17:34.020 you become a millionaire,

00:17:35.220 right?

00:17:35.680 Because your house

00:17:36.280 increases in value.

00:17:36.880 You don't even know it.

00:17:37.440 Then you do an appraisal.

00:17:38.220 You figure it out.

00:17:38.800 Oh, wow.

00:17:39.300 Okay.

00:17:41.340 So that house you bought

00:17:42.140 for $100,000

00:17:42.840 is now worth $200,000.

00:17:44.720 You gain $100,000 in equity.

00:17:50.860 That can increase your net worth

00:17:51.920 and then boom,

00:17:52.340 bring you into the,

00:17:53.100 you know,

00:17:54.560 1M range.

00:17:55.120 So that's the beauty of real estate.

00:17:57.700 Also,

00:17:58.020 it's a very good way

00:17:58.900 to hedge against inflation.

00:18:03.080 Right?

00:18:03.740 Protect the buying power

00:18:04.900 of your house.

00:18:08.360 Because that money

00:18:09.300 that you put into that house,

00:18:10.620 we know that cash

00:18:12.080 is going to lose value

00:18:13.020 thanks to inflation.

00:18:15.340 Right?

00:18:15.700 We know somewhere

00:18:16.100 with 2% to 3%,

00:18:16.800 maybe even higher

00:18:17.440 if you look at other charts.

00:18:19.260 So you putting that money

00:18:20.180 into that house

00:18:20.920 does a better job

00:18:23.740 of protecting

00:18:24.580 that money's value

00:18:26.520 long term

00:18:27.440 because the house appreciates

00:18:29.020 versus if you had just

00:18:30.040 had it in cash,

00:18:30.760 it wouldn't have appreciated.

00:18:32.480 Okay?

00:18:33.440 Now,

00:18:33.900 let me bring this back

00:18:34.680 to what I was talking about before.

00:18:38.960 At the top of this discussion,

00:18:41.000 I told you guys about

00:18:42.620 consumer debt

00:18:44.580 and then real estate debt.

00:18:45.940 The consumer debt,

00:18:46.860 this is the low IQ debt

00:18:47.880 that you want to avoid.

00:18:49.700 This is the Gucci,

00:18:50.380 the Fendi,

00:18:51.260 your car payment,

00:18:52.840 experiences,

00:18:53.540 traveling, 0.95

00:18:53.940 all this other crap. 0.96

00:18:55.100 This is where 1.00

00:18:55.800 most Americans

00:18:57.040 mess up 0.99

00:18:57.520 and have a ridiculous amount.

00:18:59.040 Then you have

00:18:59.760 the good debt

00:19:00.960 which is the real estate.

00:19:02.820 Now,

00:19:03.260 the reason why

00:19:03.940 I wanted to have this episode

00:19:04.940 with you guys,

00:19:05.500 right,

00:19:05.660 give you guys

00:19:06.040 kind of a refresher on this

00:19:06.940 is because

00:19:07.780 a lot of Americans

00:19:09.460 don't understand

00:19:10.120 that in order

00:19:11.380 to build wealth,

00:19:12.380 at least in the most efficient

00:19:14.120 and productive manner possible,

00:19:16.820 you don't want

00:19:17.500 to use your money.

00:19:19.040 Okay?

00:19:19.300 You want to borrow money

00:19:21.620 to acquire an asset

00:19:25.340 and control the asset

00:19:26.620 with as much little,

00:19:27.700 with as little money down

00:19:29.380 as you can get away with.

00:19:31.500 Okay?

00:19:32.720 It's called leverage.

00:19:35.200 And

00:19:35.600 if you buy a house,

00:19:37.860 right,

00:19:38.540 let's say you have,

00:19:39.620 you buy like a duplex

00:19:40.800 or a triplex.

00:19:41.360 I'm going to keep easy numbers here,

00:19:42.420 guys.

00:19:42.600 I know these numbers

00:19:43.520 would never work

00:19:44.060 in the real world,

00:19:44.500 but I'm keeping it very easy.

00:19:45.680 Let's say you buy,

00:19:46.340 you know,

00:19:47.940 a real estate property,

00:19:49.140 right?

00:19:49.520 You get yourself a duplex.

00:19:50.920 You put 3% to 5% down,

00:19:52.280 you live in it for a year,

00:19:53.280 right?

00:19:54.500 Your tenant

00:19:55.080 is giving you,

00:19:56.080 and you live on one side,

00:19:57.280 your tenant lives on the other side.

00:19:58.320 Your tenant is either,

00:19:59.280 A,

00:20:00.020 paying the mortgage

00:20:00.660 that you pay every month,

00:20:01.380 let's say it's $1,000,

00:20:02.520 or they're covering

00:20:04.660 a majority of it,

00:20:06.560 or they're covering it

00:20:07.300 so much where

00:20:07.800 you pay your mortgage off

00:20:09.100 and you still have

00:20:09.520 a little bit left over.

00:20:10.280 But the point is that

00:20:10.920 you're living for damn near nothing,

00:20:12.380 right?

00:20:13.460 You live in a house

00:20:14.180 for a year,

00:20:15.260 maybe two years,

00:20:16.100 three years,

00:20:16.460 whatever you want.

00:20:18.000 Then,

00:20:19.000 you

00:20:19.360 move out,

00:20:21.780 give that unit

00:20:22.340 to someone else,

00:20:23.860 charge them $1,000,

00:20:24.980 now that house

00:20:25.460 generates $2,000 for you.

00:20:27.520 And then you can go ahead

00:20:28.460 and get into

00:20:29.140 another property,

00:20:31.200 like a duplex

00:20:31.900 or a triplex

00:20:32.460 or whatever,

00:20:33.780 put your 3% to 5% down,

00:20:35.700 and do that again,

00:20:37.340 right?

00:20:37.880 And you can do this

00:20:38.660 up to, I think,

00:20:39.140 four to five times

00:20:39.880 with these FHA loans,

00:20:42.180 okay?

00:20:43.100 So before you know it,

00:20:44.680 if you do this correctly,

00:20:46.640 you just leapfrog

00:20:47.220 from house to house

00:20:47.940 and then you're going

00:20:49.040 to have yourself

00:20:49.460 a nice little portfolio

00:20:50.320 of some homes,

00:20:52.080 right?

00:20:53.520 That'll generate

00:20:54.200 revenue for you.

00:20:56.180 And,

00:20:57.080 importantly,

00:20:57.980 not only are you

00:20:58.340 getting the cash flow,

00:20:59.000 you're also getting

00:20:59.460 the appreciation

00:21:00.020 from that house

00:21:00.580 because every year

00:21:01.000 that passes by,

00:21:01.740 that house is going

00:21:02.300 to go up in value,

00:21:03.420 right?

00:21:04.320 Depending on where you live,

00:21:05.300 it'll go,

00:21:05.720 some areas will scale up

00:21:07.180 higher than others,

00:21:08.200 but that's typically

00:21:10.200 how it goes.

00:21:11.280 So the reason why

00:21:11.820 it's so important

00:21:12.240 to have good credit,

00:21:13.000 guys,

00:21:13.160 is because you need

00:21:14.160 good credit

00:21:14.660 to be able to borrow money

00:21:16.340 to buy assets,

00:21:17.540 okay?

00:21:22.460 Because if you don't

00:21:23.260 have good credit,

00:21:24.720 opportunities

00:21:26.000 just aren't going

00:21:27.740 to come your way.

00:21:29.340 So having good credit,

00:21:30.800 guys,

00:21:31.340 is critical

00:21:32.460 for creating wealth.

00:21:34.820 Now,

00:21:36.280 let me be clear

00:21:36.760 because I could already

00:21:37.240 see some people

00:21:38.000 are going to be like,

00:21:38.420 oh,

00:21:38.620 well,

00:21:38.760 Myron,

00:21:39.020 I invest in crypto,

00:21:39.960 my credit stocks,

00:21:40.740 Myron,

00:21:41.000 I invest in the stock market,

00:21:42.040 blah, blah, blah.

00:21:42.460 That's cool.

00:21:43.700 That's cool.

00:21:44.200 You can do that.

00:21:47.940 I tell you guys

00:21:48.640 all the time,

00:21:49.040 it's very important

00:21:49.480 to be diversified,

00:21:50.300 right?

00:21:51.420 It's very important

00:21:52.040 to be diversified.

00:21:54.400 However,

00:21:54.960 let's be honest here.

00:21:58.260 The only asset class

00:21:59.400 that's going to pay you money,

00:22:02.540 appreciate over time,

00:22:03.460 and give you enormous

00:22:05.080 tax benefits

00:22:05.760 all in one package

00:22:06.760 is real estate.

00:22:10.980 Sorry.

00:22:13.860 So,

00:22:14.380 you can absolutely

00:22:15.520 invest in these

00:22:18.000 other asset classes,

00:22:19.160 but they're not

00:22:20.500 going to come close

00:22:21.380 to the amount of value

00:22:23.200 that real estate

00:22:25.100 is going to give you.

00:22:25.660 And this is why

00:22:26.200 I tell you guys

00:22:26.700 you need to go ahead

00:22:27.240 and get your credit up

00:22:27.980 as high as possible.

00:22:30.240 Okay?

00:22:31.600 To be able to

00:22:32.360 procure real estate

00:22:33.180 with good interest rates,

00:22:35.560 right?

00:22:37.820 A fair down payment,

00:22:39.140 and slowly start

00:22:41.020 to build up your portfolio.

00:22:43.060 Because real estate

00:22:43.860 is by far

00:22:44.620 the most trusted path

00:22:46.120 to building wealth.

00:22:47.640 Has too many benefits.

00:22:49.160 Inflation proof,

00:22:50.200 tax benefits,

00:22:51.980 getting cash flow

00:22:52.600 at the same time,

00:22:53.200 appreciation over time.

00:22:54.240 No asset class

00:22:55.020 performs better.

00:22:56.440 Sorry.

00:22:57.860 You know?

00:22:59.160 And consistently.

00:23:00.400 And,

00:23:00.900 most importantly,

00:23:01.800 no other asset class

00:23:04.240 can you go ahead

00:23:05.180 and take a loan

00:23:05.700 from the bank

00:23:06.220 to purchase it

00:23:07.040 and use other people's money

00:23:09.820 or OPM.

00:23:11.760 Now,

00:23:12.320 you guys are probably wondering,

00:23:13.720 okay, Mario,

00:23:14.220 this all sounds all good,

00:23:15.140 et cetera.

00:23:15.320 How do I start?

00:23:16.720 Well,

00:23:16.980 I don't have anything

00:23:17.440 to sell you guys.

00:23:18.800 I'm here to just give you guys

00:23:19.960 some fundamental basics

00:23:21.420 to get yourself

00:23:22.460 in a position

00:23:23.000 where you have

00:23:23.700 a decent credit score

00:23:24.560 and a good credit score

00:23:25.400 so that you can eventually

00:23:26.360 get your first house,

00:23:27.500 your first real estate property,

00:23:28.520 et cetera.

00:23:29.600 Okay?

00:23:30.400 So,

00:23:30.960 first,

00:23:31.420 what I want you guys to do

00:23:32.400 is to figure out

00:23:33.800 what your credit score is.

00:23:35.320 Okay?

00:23:35.940 There's many different websites

00:23:37.100 and services

00:23:37.760 that allow you

00:23:39.380 to track this.

00:23:41.000 I mean,

00:23:41.280 nowadays,

00:23:41.620 when you get a credit card,

00:23:43.080 almost every credit card

00:23:44.280 has an app

00:23:45.140 that's connected

00:23:45.860 to the card

00:23:46.540 which will give you

00:23:47.560 the opportunity

00:23:48.020 to look at your FICO score,

00:23:49.260 your Experian,

00:23:50.320 Equifax,

00:23:52.140 et cetera.

00:23:53.840 Right?

00:23:55.640 So,

00:23:56.200 first,

00:23:56.660 we got to get

00:23:57.000 a starting point.

00:23:57.860 What is your credit score?

00:23:59.760 Right?

00:24:02.300 I want every single

00:24:03.320 one of you guys

00:24:04.040 to be aiming

00:24:05.200 for a 750.

00:24:09.200 Right?

00:24:09.660 Which will put you

00:24:10.240 very close to

00:24:11.280 or at the excellent range.

00:24:13.140 And the reason for that

00:24:14.300 is because

00:24:15.800 once you get

00:24:17.440 into that range,

00:24:18.680 you're pretty much

00:24:20.060 going to get

00:24:20.380 the most favorable terms

00:24:21.520 for anything

00:24:22.480 you try to purchase

00:24:23.300 or any type of deal

00:24:25.240 you try to strike.

00:24:26.700 Right?

00:24:27.880 And

00:24:28.280 getting these

00:24:29.880 better deals

00:24:30.620 over time

00:24:33.080 is going to help

00:24:34.700 you out significantly.

00:24:36.640 Because remember,

00:24:37.380 when you buy a house,

00:24:38.000 you're going to get

00:24:38.320 an interest rate.

00:24:40.060 All right?

00:24:41.480 You want

00:24:42.120 the lowest interest rate

00:24:43.020 you can

00:24:43.460 because

00:24:44.520 what's going to happen

00:24:45.740 is

00:24:45.960 the more interest

00:24:47.000 you have,

00:24:48.480 sorry,

00:24:49.040 the lower your interest,

00:24:50.180 the less money

00:24:51.060 you pay over time.

00:24:51.780 okay?

00:24:53.360 When you look at

00:24:54.100 what's called

00:24:54.580 an amortization scale,

00:24:56.300 right?

00:24:56.940 When you take a,

00:24:57.840 when you get a 30-year

00:24:58.640 fixed rate

00:24:59.980 loan,

00:25:01.560 sorry,

00:25:02.060 fixed interest rate

00:25:02.840 on a 30-year mortgage

00:25:04.280 for a home,

00:25:05.800 that interest rate

00:25:08.040 stays fixed.

00:25:09.760 But you realize

00:25:10.780 when you look at

00:25:11.620 that 30-year loan,

00:25:12.700 the majority

00:25:13.300 of the interest

00:25:14.120 is paid up front.

00:25:18.540 So,

00:25:19.220 you really don't start

00:25:19.980 getting into the

00:25:20.720 principal of the house

00:25:21.420 until years later.

00:25:23.840 Right?

00:25:25.860 The better your credit,

00:25:27.180 the better you can

00:25:27.920 try to negotiate

00:25:28.540 to get a good

00:25:29.120 interest rate.

00:25:29.820 And that interest rate

00:25:30.660 is going to dictate

00:25:31.620 you paying less money

00:25:33.180 over time.

00:25:35.120 Okay?

00:25:36.240 Very important.

00:25:42.700 Also,

00:25:43.180 this puts you

00:25:45.440 in a position

00:25:45.820 where you don't

00:25:46.180 have to get

00:25:46.520 predatory loans.

00:25:49.620 A lot of you guys

00:25:50.440 probably know

00:25:50.980 about hard money lenders.

00:25:52.560 Right?

00:25:53.120 They give you

00:25:53.620 the money fast,

00:25:55.340 little to no

00:25:56.160 background check

00:25:56.780 or very limited

00:25:58.040 credit check,

00:25:59.320 but the interest rate

00:26:00.320 is ridiculous.

00:26:00.900 It's more used 0.99

00:26:01.300 for desperate people.

00:26:03.260 You don't want

00:26:03.880 to be in a situation,

00:26:04.740 guys,

00:26:05.020 where you have to

00:26:05.680 go to these loan sharks

00:26:06.600 to get money.

00:26:09.260 Okay?

00:26:09.900 It's a very bad look.

00:26:11.680 And,

00:26:12.020 a lot of these loans

00:26:14.020 are pretty much

00:26:15.400 criminal,

00:26:16.100 if I'm going to be

00:26:16.480 honest with y'all.

00:26:17.480 And we know why.

00:26:19.440 But,

00:26:20.040 I want you guys

00:26:21.140 to be able to get

00:26:21.660 a conventional

00:26:22.660 fixed interest rate,

00:26:24.840 30-year

00:26:25.560 simple

00:26:26.440 home loan

00:26:27.440 and get the best

00:26:28.820 interest rate

00:26:29.680 you possibly can

00:26:30.500 so that

00:26:31.160 you can

00:26:31.880 pay

00:26:33.200 a certain amount

00:26:33.900 over time

00:26:34.380 and not get

00:26:34.920 destroyed as much

00:26:35.720 by amortization.

00:26:36.500 because they

00:26:37.620 always make

00:26:38.100 you pay

00:26:38.520 the interest

00:26:39.200 up front

00:26:39.560 in the beginning

00:26:40.020 of your loan

00:26:40.480 and you don't

00:26:40.800 start paying

00:26:41.200 into the principal

00:26:41.880 until like

00:26:42.460 damn near

00:26:42.780 10 years later. 0.98

00:26:44.460 Right?

00:26:51.500 So,

00:26:52.100 and of course

00:26:53.580 we got some

00:26:54.140 people here

00:26:54.740 that think

00:26:55.200 that they're

00:26:55.640 real estate

00:26:57.660 bucket people. 0.91

00:26:59.740 That's always funny.

00:27:01.600 I love a one

00:27:02.220 like

00:27:02.520 random brokies

00:27:05.520 try to tell me.

00:27:07.440 How to buy

00:27:08.020 real estate.

00:27:08.560 Okay,

00:27:08.780 buddy.

00:27:10.480 Get rid of

00:27:11.260 his,

00:27:12.320 oh,

00:27:12.940 here's Frank guys.

00:27:14.780 What's up,

00:27:15.180 buddy?

00:27:15.960 He has his

00:27:16.320 little

00:27:16.560 Santa hat.

00:27:21.400 Sorry,

00:27:21.860 where was I?

00:27:22.500 Frank,

00:27:22.700 go to your bed.

00:27:23.220 No,

00:27:23.460 bed,

00:27:23.700 bed,

00:27:24.260 bed.

00:27:30.120 Bro's chilling.

00:27:32.400 Boarding for

00:27:32.960 flight 246

00:27:33.780 to Toronto

00:27:34.240 is delayed

00:27:34.820 50 minutes.

00:27:35.720 Oh,

00:27:36.180 what?

00:27:37.220 Sounds like

00:27:37.820 Ojo time.

00:27:38.740 Play Ojo?

00:27:39.540 Great idea.

00:27:40.480 Feel the fun

00:27:41.080 with all the

00:27:41.540 latest slots

00:27:42.080 and live casino

00:27:42.700 games and with

00:27:43.340 no wagering

00:27:43.820 requirements.

00:27:44.620 What you win

00:27:45.180 is yours to

00:27:45.720 keep.

00:27:46.100 Groovy.

00:27:46.600 Hey,

00:27:47.120 I won.

00:27:51.880 Boarding will

00:27:52.320 begin when

00:27:52.780 passenger

00:27:53.180 Fisher is done

00:27:54.100 celebrating.

00:27:54.980 19 plus

00:27:55.440 Ontario only.

00:27:56.140 Please play

00:27:56.420 responsibly.

00:27:57.000 Concerned by

00:27:57.340 your gambling

00:27:57.700 or that of

00:27:58.080 someone close

00:27:58.520 to you?

00:27:58.740 Call 1-866-531-2600

00:28:00.740 or visit

00:28:01.200 connexontario.ca.

00:28:02.300 So where

00:28:03.940 was I?

00:28:04.280 Okay.

00:28:04.680 So yeah,

00:28:04.940 you want to get

00:28:05.300 your credit

00:28:05.560 score up.

00:28:06.260 Okay.

00:28:07.300 So you can go

00:28:08.020 ahead and get

00:28:09.060 the best interest

00:28:09.580 rate,

00:28:09.800 get the best

00:28:10.140 interest rate.

00:28:10.860 You're not

00:28:11.160 paying as much

00:28:11.640 over time.

00:28:12.580 Works out for

00:28:13.060 you,

00:28:13.260 more favorable

00:28:13.660 terms,

00:28:14.080 blah,

00:28:14.220 blah,

00:28:14.320 blah.

00:28:14.580 Cool.

00:28:15.800 And then also

00:28:17.000 it makes you

00:28:17.380 more,

00:28:18.200 and then also

00:28:18.820 you can shop

00:28:19.320 rates as well.

00:28:20.440 Right?

00:28:20.860 You can shop

00:28:21.260 rates.

00:28:21.560 It puts you

00:28:21.900 in a position

00:28:22.260 of power

00:28:22.620 where you

00:28:22.900 can kind

00:28:23.680 of negotiate

00:28:24.840 a bit more

00:28:25.300 for a

00:28:25.540 interest rate

00:28:25.960 because other

00:28:26.500 banks want

00:28:26.880 to work with

00:28:27.180 you because

00:28:27.380 you've got

00:28:27.620 a high

00:28:28.060 credit score

00:28:28.480 versus when

00:28:29.600 you don't

00:28:29.840 have a good

00:28:30.200 credit score,

00:28:30.740 you have to

00:28:31.200 go to hard

00:28:31.600 many lenders

00:28:32.100 or banks

00:28:32.940 that give

00:28:33.240 you unfavorable

00:28:33.820 terms.

00:28:34.080 You don't

00:28:34.240 want that.

00:28:34.560 You want

00:28:34.740 to be able

00:28:34.940 to get

00:28:35.200 these guys

00:28:35.540 to compete

00:28:35.880 for your

00:28:36.160 business

00:28:36.420 because,

00:28:37.320 like I said

00:28:37.620 before,

00:28:38.120 your credit

00:28:38.480 score is

00:28:38.880 your

00:28:39.020 trustworthiness

00:28:39.560 level.

00:28:40.040 Your

00:28:40.200 trustworthiness

00:28:40.720 level dictates

00:28:41.700 your ability

00:28:42.140 to be financially

00:28:42.700 responsible,

00:28:43.280 pay loans

00:28:43.600 back,

00:28:44.140 and then that

00:28:45.020 will dictate

00:28:45.500 the type

00:28:46.300 of favorable

00:28:46.700 terms that

00:28:47.120 you can get.

00:28:47.680 The higher

00:28:47.940 credit score,

00:28:48.420 the better

00:28:48.660 the terms

00:28:49.020 can be.

00:28:49.720 Boom.

00:28:50.240 Now,

00:28:50.700 once you

00:28:51.000 acquire these,

00:28:52.520 so let's

00:28:53.360 talk about

00:28:53.600 how to get

00:28:53.900 your credit

00:28:54.160 score up.

00:28:54.940 Right?

00:28:55.300 So step

00:28:55.740 one,

00:28:56.200 figure out

00:28:56.740 what your

00:28:57.740 score is.

00:28:58.820 Okay?

00:28:59.240 Once you

00:28:59.680 figure out

00:29:00.000 what your

00:29:00.240 score is.

00:29:06.800 Hold on,

00:29:07.240 one sec,

00:29:07.480 chat.

00:29:07.660 We got

00:29:08.280 some mouth 0.62

00:29:09.160 breathers in

00:29:09.800 the party

00:29:11.560 chat,

00:29:11.920 bro.

00:29:13.180 Hold on.

00:29:16.640 Dude literally

00:29:17.180 says,

00:29:17.520 Myron,

00:29:17.760 you're ignoring

00:29:18.180 BTC because

00:29:18.880 you got

00:29:19.180 scanning.

00:29:20.580 Dude,

00:29:20.960 did you not

00:29:21.300 hear what I

00:29:21.680 said earlier

00:29:22.000 when I said

00:29:22.380 I think

00:29:23.480 people should

00:29:23.800 be diversified

00:29:25.360 and they should

00:29:25.720 get Bitcoin

00:29:26.180 too and crypto?

00:29:27.080 Dude,

00:29:27.220 I have Bitcoin.

00:29:27.820 What's wrong

00:29:28.100 with you?

00:29:29.480 Anyway,

00:29:30.580 what was I?

00:29:33.280 Okay,

00:29:33.720 so step one,

00:29:34.720 figure out what

00:29:35.060 your credit

00:29:35.260 score is.

00:29:36.040 Right?

00:29:36.440 Once you

00:29:36.760 figure that

00:29:37.060 out,

00:29:37.660 write what

00:29:38.480 your credit

00:29:38.720 score is.

00:29:40.560 You got to

00:29:41.100 come up with

00:29:41.380 a plan.

00:29:41.760 Figure out

00:29:42.180 how much

00:29:42.580 money you

00:29:42.880 owe.

00:29:43.200 Do you

00:29:43.340 have anything

00:29:43.700 in collections?

00:29:44.820 That's

00:29:45.120 actually step

00:29:45.540 one.

00:29:46.220 Make sure

00:29:46.580 you don't

00:29:46.740 have anything

00:29:47.100 in collections.

00:29:48.360 Okay?

00:29:49.460 Because one

00:29:50.420 of the ways,

00:29:52.160 one of the

00:29:53.840 fastest ways

00:29:54.380 to absolutely

00:29:55.180 tank your

00:29:56.820 credit score

00:29:57.320 is by allowing

00:29:59.240 anything to get

00:29:59.740 into collections.

00:30:00.800 And a lot

00:30:01.240 of the times,

00:30:02.040 you won't even

00:30:02.660 know sometimes.

00:30:03.960 Let's say

00:30:04.320 you got

00:30:04.520 injured

00:30:04.740 three,

00:30:05.320 four years

00:30:05.700 ago and

00:30:06.960 you went

00:30:07.180 to the

00:30:07.380 hospital.

00:30:08.020 You had

00:30:08.380 an ambulance,

00:30:09.280 right?

00:30:10.420 And you

00:30:10.820 just forgot

00:30:11.180 about it.

00:30:11.480 You didn't

00:30:11.660 pay.

00:30:13.220 That can

00:30:13.680 stick on your

00:30:14.120 record and

00:30:14.440 then that can

00:30:15.560 ding you. 0.89

00:30:16.760 Or if you've

00:30:17.340 had an eviction,

00:30:18.540 or if you ever

00:30:19.240 filed for a

00:30:20.200 bankruptcy,

00:30:20.580 then you're

00:30:20.780 really cooked.

00:30:21.900 But you guys

00:30:22.320 get the idea.

00:30:23.140 Sometimes things

00:30:23.780 will go into

00:30:24.140 collections that

00:30:24.640 you don't even

00:30:24.960 know about.

00:30:26.720 Right?

00:30:27.380 You're like,

00:30:27.720 wait,

00:30:27.860 what?

00:30:28.020 I remember

00:30:30.080 it happened

00:30:30.300 one time to

00:30:30.700 me.

00:30:34.960 Literally,

00:30:35.440 guys,

00:30:35.700 literally,

00:30:35.980 I just had

00:30:36.840 to deal with

00:30:37.180 this.

00:30:38.200 So I'm

00:30:39.820 going through

00:30:40.120 my credit

00:30:40.440 score,

00:30:40.680 right?

00:30:41.120 And I

00:30:41.380 noticed it

00:30:41.720 dropped off

00:30:42.160 like 50,

00:30:42.640 60 points.

00:30:43.060 I was like,

00:30:43.320 wait,

00:30:43.460 what?

00:30:44.100 So I go

00:30:44.680 and I look

00:30:45.140 and it says

00:30:46.220 that I hadn't

00:30:46.600 paid a mortgage

00:30:47.080 on a house.

00:30:47.720 It was like

00:30:47.960 30 days past

00:30:48.540 whatever.

00:30:49.120 And I was

00:30:49.300 like,

00:30:49.780 wait,

00:30:49.980 what?

00:30:50.660 I matched

00:30:51.140 up the loan

00:30:51.580 number on

00:30:53.020 the house.

00:30:53.780 I matched

00:30:54.180 up the mortgage

00:30:55.720 number,

00:30:56.840 figured out

00:30:57.160 which house

00:30:57.580 it was.

00:30:57.900 As you guys

00:30:58.300 know,

00:30:58.440 I have

00:30:58.620 like 20

00:30:59.000 something

00:30:59.180 properties,

00:31:00.020 right?

00:31:00.200 So I have

00:31:00.460 to figure

00:31:00.900 out which

00:31:01.180 one it

00:31:01.420 was.

00:31:02.060 And I

00:31:02.200 was like,

00:31:02.380 wait,

00:31:02.500 what?

00:31:03.120 And I

00:31:03.420 went and

00:31:03.700 I looked

00:31:04.120 and I

00:31:05.180 was like,

00:31:05.380 wait,

00:31:05.480 I've been

00:31:05.660 paying this

00:31:05.940 thing.

00:31:06.060 What are

00:31:06.460 these guys

00:31:06.740 talking about?

00:31:07.680 Here's the

00:31:08.040 problem.

00:31:10.640 When I

00:31:11.140 bought the

00:31:11.460 house,

00:31:11.880 I got one

00:31:12.520 lender that

00:31:13.380 was responsible

00:31:13.880 for the

00:31:14.180 loan.

00:31:15.320 That lender

00:31:16.080 sold that

00:31:17.760 loan to

00:31:18.780 another bank.

00:31:20.440 This happens

00:31:21.060 all the time.

00:31:22.700 You'll buy a

00:31:23.320 house.

00:31:24.060 You'll have a

00:31:24.620 loan with a

00:31:25.060 certain bank.

00:31:26.960 That bank

00:31:27.720 will sell

00:31:28.520 that loan

00:31:29.080 to another

00:31:32.460 bank and

00:31:32.960 then they

00:31:33.260 take over

00:31:33.860 collecting the

00:31:35.960 money from

00:31:36.300 you.

00:31:37.180 So what

00:31:37.520 ended up

00:31:37.740 happening

00:31:38.120 was this

00:31:41.620 bank that

00:31:42.180 I had been

00:31:42.820 paying transferred

00:31:44.120 the loan to

00:31:45.580 another lender

00:31:46.240 so I was

00:31:48.840 able to

00:31:50.360 contact them

00:31:51.080 and kind

00:31:51.640 of get this

00:31:52.860 thing fixed

00:31:53.680 because I was

00:31:54.860 paying but it

00:31:55.260 wasn't reporting

00:31:55.700 properly to the

00:31:56.280 credit bureaus

00:31:56.800 and then

00:31:58.560 bam,

00:31:58.780 my credit

00:31:59.080 score shot

00:31:59.500 up like

00:32:00.400 significantly.

00:32:01.200 Let me see.

00:32:02.780 I'll literally

00:32:03.440 show y'all.

00:32:04.020 I walk it

00:32:04.840 like I talk

00:32:05.260 it, man.

00:32:10.480 Let me pull

00:32:11.000 this up for

00:32:11.360 you guys.

00:32:12.540 I'll hide

00:32:12.960 any info

00:32:16.380 that will make

00:32:17.140 me look crazy

00:32:17.860 but well

00:32:20.360 personal if I

00:32:20.960 mean.

00:32:21.740 I'm pulling it

00:32:22.200 up for you guys

00:32:22.620 right now.

00:32:28.060 And guys,

00:32:28.620 get your

00:32:28.820 chats in by

00:32:29.300 the way,

00:32:29.560 please.

00:32:32.500 Get your

00:32:32.940 chats in if

00:32:33.380 you guys got

00:32:33.740 questions on

00:32:34.200 this.

00:32:46.700 Okay.

00:32:48.420 Here's my

00:32:48.940 credit score.

00:32:49.460 Here's my

00:32:49.740 credit score.

00:32:49.780 Here's my

00:32:50.460 credit score.

00:32:51.460 right now,

00:32:53.540 ninjas.

00:32:56.580 Y'all see

00:33:01.120 that?

00:33:02.740 So 834,

00:33:03.840 right?

00:33:05.400 Let me show

00:33:06.100 y'all when I

00:33:06.500 had this number

00:33:07.320 crash.

00:33:07.720 Okay.

00:33:07.800 Okay.

00:33:21.460 trying to see

00:33:28.960 if I can find

00:33:29.500 it.

00:33:32.400 Because it

00:33:32.780 has a chart

00:33:33.260 of your

00:33:33.560 score over

00:33:34.500 time.

00:33:35.820 I'm trying to

00:33:36.360 pull it up for

00:33:36.740 you guys so I

00:33:37.260 can.

00:33:37.480 And by the

00:33:48.800 way, guys,

00:33:49.160 the max is

00:33:49.660 850.

00:34:01.780 Okay.

00:34:02.060 So yeah,

00:34:03.160 I think I

00:34:03.460 can share

00:34:03.720 everything on

00:34:04.220 the screen.

00:34:04.720 So look,

00:34:05.000 you can see

00:34:05.300 it right

00:34:05.520 there,

00:34:05.740 right?

00:34:06.200 834,

00:34:06.860 right?

00:34:08.180 No cap.

00:34:08.980 You guys can

00:34:09.360 see that right

00:34:09.880 there.

00:34:10.300 It works,

00:34:10.860 whatever,

00:34:11.220 right?

00:34:12.020 Then this

00:34:15.320 is what

00:34:15.720 affects.

00:34:19.560 See that

00:34:20.160 list right

00:34:20.860 there,

00:34:21.080 guys?

00:34:22.420 Payment

00:34:22.700 history,

00:34:23.460 amount of

00:34:23.840 debt,

00:34:24.840 okay?

00:34:25.180 Length

00:34:28.060 of credit

00:34:28.380 history,

00:34:28.780 amount of

00:34:29.060 new credit,

00:34:30.060 and then

00:34:30.700 credit mix,

00:34:31.340 right?

00:34:33.780 So the

00:34:34.360 number one

00:34:34.660 thing here,

00:34:35.040 guys,

00:34:35.280 is payment

00:34:35.720 history,

00:34:36.960 all right?

00:34:37.660 Accounts of

00:34:38.020 late payments

00:34:38.400 for 30

00:34:38.840 plus days,

00:34:39.640 zero.

00:34:41.020 Because I

00:34:41.300 always pay

00:34:41.860 my stuff on

00:34:42.340 time.

00:34:42.800 Now what

00:34:43.100 happened was

00:34:43.940 this mortgage

00:34:46.220 company reported

00:34:46.940 that I paid

00:34:47.440 late.

00:34:48.560 That dinged

00:34:49.280 my credit

00:34:49.620 like 50

00:34:50.140 points.

00:34:51.480 So I

00:34:52.020 contacted

00:34:52.460 them and

00:34:53.560 the other

00:34:53.900 lender and

00:34:54.380 told them,

00:34:54.740 hey,

00:34:56.100 fix this

00:34:56.420 between you

00:34:57.380 guys because

00:34:59.300 I paid

00:35:01.120 you,

00:35:02.520 but the

00:35:04.160 guy that

00:35:04.420 you bought

00:35:04.720 the loan

00:35:05.060 from didn't

00:35:06.380 report that

00:35:06.820 you guys took

00:35:07.300 over the

00:35:07.620 loan.

00:35:10.360 So I

00:35:10.800 basically got

00:35:11.140 a hold of

00:35:11.440 both companies

00:35:12.040 and got them

00:35:13.780 to fix that

00:35:14.320 because there

00:35:15.180 was no late

00:35:15.540 payment because

00:35:15.900 I was paying

00:35:16.320 the other

00:35:16.880 lender that

00:35:17.580 had just

00:35:17.900 purchased the

00:35:18.460 loan from

00:35:19.380 the prior

00:35:19.740 lender.

00:35:20.720 Does that

00:35:21.140 make sense,

00:35:21.540 chat?

00:35:21.860 Give me

00:35:22.060 once if that

00:35:22.400 makes sense.

00:35:22.860 give me

00:35:30.360 once if

00:35:30.580 that

00:35:30.700 makes

00:35:30.860 sense.

00:35:31.100 all right,

00:35:46.220 cool.

00:35:48.220 So that's

00:35:48.820 what I

00:35:49.020 did.

00:35:50.940 Got that

00:35:51.480 handled,

00:35:51.980 contacted

00:35:52.380 them,

00:35:52.820 and I was

00:35:53.540 able to get

00:35:53.800 that squared

00:35:54.080 away.

00:35:54.260 but what's

00:35:54.740 the lesson

00:35:55.080 from this?

00:35:58.900 There's a

00:35:59.360 lesson to be

00:35:59.820 had here,

00:36:00.180 guys.

00:36:00.620 The lesson

00:36:00.940 is simply

00:36:01.340 this.

00:36:02.460 You must

00:36:03.040 monitor your

00:36:03.500 credit.

00:36:04.120 If you don't

00:36:04.660 monitor your

00:36:05.060 credit,

00:36:05.760 things can

00:36:06.220 happen.

00:36:06.540 No one is

00:36:06.880 impervious to

00:36:07.820 the BS.

00:36:08.520 And there

00:36:08.960 might be

00:36:09.320 debts that

00:36:09.640 you weren't

00:36:09.920 even aware

00:36:10.320 of that you

00:36:10.660 had or

00:36:11.420 bills that

00:36:11.800 went into

00:36:12.120 collections that

00:36:12.520 you didn't

00:36:12.760 know that's

00:36:13.140 dragging your

00:36:13.560 credit score

00:36:13.940 down 50,

00:36:14.920 100,

00:36:15.340 200,

00:36:15.680 300 points.

00:36:17.340 Okay?

00:36:18.500 And late

00:36:19.040 payments is one

00:36:19.580 of the fastest

00:36:20.580 ways to mess

00:36:21.240 that up.

00:36:21.620 Okay?

00:36:24.780 Figure out if

00:36:25.340 you have

00:36:25.480 anything in

00:36:25.840 collections and

00:36:26.280 pay those

00:36:26.620 off first.

00:36:27.640 And you're

00:36:28.140 going to

00:36:28.320 notice your

00:36:28.700 credit score

00:36:29.200 is going to

00:36:29.500 shoot up 0.98

00:36:29.800 immediately.

00:36:31.540 Okay?

00:36:33.500 So,

00:36:34.320 number one,

00:36:35.120 pay off any

00:36:35.500 debt that

00:36:36.460 you might

00:36:36.780 have that's

00:36:37.760 in collections

00:36:38.140 especially,

00:36:38.740 because that's

00:36:39.020 dinging you the

00:36:39.460 hardest.

00:36:40.500 You can call

00:36:40.900 these debt

00:36:41.240 collectors,

00:36:42.340 because typically

00:36:42.820 once a company

00:36:44.280 can't get a

00:36:44.720 hold of you or

00:36:45.120 can't get your

00:36:45.520 money, they

00:36:46.160 sell your debt

00:36:46.700 to another

00:36:47.040 company, another

00:36:47.600 third party,

00:36:48.280 then that third

00:36:48.840 party, they're

00:36:49.640 contacting you trying

00:36:50.360 to get paid.

00:36:50.740 Every time you

00:36:51.140 get those

00:36:51.400 small calls like,

00:36:52.000 hey, you got

00:36:52.360 debt, blah, blah.

00:36:53.200 More than

00:36:53.640 likely, that

00:36:54.560 debt that

00:36:56.620 they're holding

00:36:57.140 right there, they

00:36:57.700 bought it from

00:36:58.120 another company.

00:37:00.520 Okay?

00:37:01.380 And now they're

00:37:02.000 trying to collect

00:37:02.540 because they have

00:37:03.140 the resources to

00:37:03.780 collect.

00:37:04.180 You go to a

00:37:04.720 hospital, you 0.99

00:37:05.480 don't pay the

00:37:05.820 hospital, the

00:37:06.820 hospital ain't

00:37:07.120 going to sit

00:37:07.440 there and try

00:37:07.800 to chase you

00:37:08.180 down for $1,000.

00:37:09.440 They're going to

00:37:09.900 just sell the

00:37:10.340 debt to a

00:37:11.100 debt collector.

00:37:12.340 Debt collector's

00:37:12.960 going to buy the

00:37:13.380 debt from them,

00:37:13.880 then they're going

00:37:14.360 to go ahead and

00:37:14.840 harass you to get 0.66

00:37:15.380 the money.

00:37:16.360 Now, here's the

00:37:16.820 other thing, too.

00:37:17.620 If you do have

00:37:18.200 something in

00:37:18.560 collections and

00:37:19.980 you want to get

00:37:22.620 your credit score

00:37:23.060 up, you can

00:37:24.040 contact these

00:37:24.780 collectors a lot

00:37:25.360 of the times and

00:37:26.060 offer to get on

00:37:27.120 a payment plan,

00:37:28.400 offer to pay a

00:37:28.980 portion of it,

00:37:29.560 et cetera, and

00:37:31.260 work with them,

00:37:31.860 and that will

00:37:32.560 help you

00:37:32.840 significantly

00:37:33.440 increase your

00:37:35.400 credit score.

00:37:36.780 Right?

00:37:38.060 You'd be surprised

00:37:38.820 at how much that

00:37:39.680 will help you.

00:37:41.780 Now, assuming you

00:37:42.780 don't have anything

00:37:43.300 in collections,

00:37:43.940 thank God, you

00:37:47.020 want to make sure

00:37:47.520 you're always

00:37:48.020 making on-time

00:37:48.900 payments.

00:37:49.580 As you guys

00:37:50.040 saw with my

00:37:51.260 credit score,

00:37:52.660 right, the

00:37:54.140 number one thing

00:37:54.640 that matters the

00:37:55.200 most is on-time

00:37:57.880 payments.

00:37:59.200 Okay?

00:38:00.380 Then, you also

00:38:01.540 want to keep your

00:38:02.100 utilization low.

00:38:04.040 What is

00:38:04.620 utilization?

00:38:05.840 Utilization is

00:38:06.980 the amount of

00:38:07.800 available, it's

00:38:09.400 the percentage of

00:38:11.720 credit that you're

00:38:12.360 using from what's

00:38:13.680 available to you.

00:38:14.760 So let's say you

00:38:15.420 have $100,000

00:38:16.080 worth of credit,

00:38:17.520 right, with all

00:38:18.420 your different

00:38:18.740 credit cards,

00:38:19.180 $100,000 worth

00:38:19.820 of credit,

00:38:20.540 right?

00:38:23.260 You don't want

00:38:23.980 to spend or you

00:38:24.740 don't want to

00:38:25.060 have more than

00:38:27.740 $30,000, right?

00:38:30.040 You don't want to

00:38:30.360 have more than

00:38:30.780 10%, or sorry,

00:38:33.480 more than 30%.

00:38:34.220 30% is the

00:38:35.140 absolute max of

00:38:36.560 utilization.

00:38:37.220 So you have

00:38:37.560 $100,000 worth of

00:38:38.360 credit available to

00:38:39.940 you, you don't want 0.87

00:38:40.640 to have over 30k

00:38:41.820 sitting there.

00:38:42.700 because what ends

00:38:44.400 up happening is

00:38:45.060 once you get over

00:38:46.000 30% utilization,

00:38:47.880 what happens is

00:38:48.880 these credit card

00:38:49.400 companies start to

00:38:50.100 they have a very

00:38:51.380 complex algorithm

00:38:52.260 that they use,

00:38:53.620 right, with

00:38:54.700 statistics and

00:38:55.420 everything else like

00:38:55.860 that.

00:38:56.040 And they pretty

00:38:56.400 much have figured

00:38:57.080 out that if you

00:38:58.140 get over 30%

00:38:59.560 credit utilization,

00:39:01.400 there's going to

00:39:02.120 be a higher and

00:39:02.720 higher likelihood

00:39:03.260 that you're going

00:39:03.960 to default and

00:39:04.520 not pay.

00:39:05.760 So what a lot

00:39:06.760 of credit

00:39:06.960 companies, what

00:39:07.780 will happen is

00:39:08.480 that two things

00:39:08.960 are going to

00:39:09.200 happen.

00:39:10.080 Number one,

00:39:10.960 your credit

00:39:11.240 score is going

00:39:11.580 to drop off a

00:39:12.100 lot once you

00:39:12.440 pass 30%.

00:39:13.160 Number two,

00:39:15.160 some of these

00:39:15.720 credit card

00:39:16.120 companies might

00:39:16.920 turn off your

00:39:17.420 credit card.

00:39:22.260 Every credit

00:39:22.920 card company is

00:39:23.580 different, but if

00:39:24.880 they see that

00:39:25.280 you're starting to

00:39:25.740 utilize a lot,

00:39:27.300 they're going to

00:39:28.180 assume that

00:39:28.680 something's going

00:39:29.280 on and you

00:39:30.440 don't intend to

00:39:31.020 pay this back.

00:39:32.080 And some of them

00:39:32.780 might flat out

00:39:33.320 just like lock

00:39:34.080 your card or not

00:39:34.700 let you make

00:39:35.200 more purchases,

00:39:36.040 despite the fact

00:39:36.720 that you only

00:39:37.260 might be using a

00:39:37.920 percentage.

00:39:39.420 So what I

00:39:44.480 tell you guys

00:39:45.000 is to be

00:39:46.000 safe, keep

00:39:47.840 it 10% or

00:39:48.540 less, ideally

00:39:50.380 1%.

00:39:51.540 I know most

00:39:52.260 people can't do 0.98

00:39:52.720 that, that's

00:39:53.040 fine, but at

00:39:54.240 least guys, try

00:39:55.920 to keep it under

00:39:56.900 10%.

00:39:57.520 That's really

00:39:58.920 good.

00:40:02.880 I know a lot

00:40:03.500 of you guys

00:40:03.760 might have it at

00:40:04.180 20, 30,

00:40:04.840 whatever, doable,

00:40:05.860 but never

00:40:06.180 past 30.

00:40:08.000 Never past

00:40:08.800 30.

00:40:09.700 Once you

00:40:10.160 pass 30,

00:40:10.580 that's when

00:40:10.860 you start

00:40:11.120 getting into

00:40:11.620 dangerous

00:40:13.660 waters.

00:40:14.980 This is when

00:40:15.600 they start,

00:40:16.200 you know,

00:40:16.600 every time you

00:40:17.540 swipe the card,

00:40:18.380 it says,

00:40:18.760 did you just

00:40:19.120 spend this

00:40:19.560 money?

00:40:20.600 You know,

00:40:21.460 they're asking

00:40:22.280 you if there's

00:40:22.640 a fraud alert,

00:40:23.860 a card might

00:40:24.300 decline here,

00:40:24.980 might get

00:40:25.260 declined there,

00:40:25.880 might work

00:40:26.280 over here.

00:40:26.800 Then you start

00:40:27.460 dealing with a

00:40:28.160 whole bunch of

00:40:28.960 BS once you 0.89

00:40:29.460 start getting

00:40:29.860 past that 30%

00:40:30.860 utilization.

00:40:32.620 You know,

00:40:33.200 especially if you

00:40:33.780 don't normally

00:40:34.120 spend that kind

00:40:34.640 of money.

00:40:34.980 So be careful

00:40:37.000 with that,

00:40:37.360 guys.

00:40:38.140 Be careful

00:40:38.480 with that.

00:40:39.480 So,

00:40:40.380 bare minimum,

00:40:41.360 under 30%.

00:40:42.300 Ideal,

00:40:43.940 under 10%,

00:40:44.760 and then

00:40:45.660 dream work,

00:40:47.320 teamwork to

00:40:48.040 make the

00:40:48.240 dream work,

00:40:48.920 1% or less.

00:40:50.720 That's how you

00:40:51.220 get into,

00:40:51.880 you know,

00:40:52.920 this level here.

00:40:56.600 You get an

00:40:56.860 834 credit

00:40:57.540 score.

00:40:58.580 You know?

00:41:00.860 And,

00:41:01.380 and then

00:41:05.620 this is what

00:41:06.120 affects it.

00:41:06.620 Like I said

00:41:06.920 before,

00:41:07.220 number one,

00:41:07.640 look,

00:41:07.940 payment history.

00:41:12.120 Is this

00:41:12.620 blurred still?

00:41:15.220 Okay,

00:41:15.640 whatever.

00:41:16.260 Yeah,

00:41:16.480 payment history,

00:41:17.100 amount of debt,

00:41:18.240 length of credit

00:41:18.720 history,

00:41:19.320 amount of new

00:41:19.780 credit,

00:41:20.360 and then credit

00:41:20.760 mix.

00:41:21.380 Like,

00:41:21.740 that stuff

00:41:22.100 doesn't matter

00:41:22.560 as much,

00:41:23.260 but the two

00:41:23.700 things that

00:41:24.000 matter the most

00:41:24.480 is payment

00:41:24.780 history and

00:41:25.280 amount of

00:41:25.620 debt.

00:41:26.480 Like,

00:41:26.720 right now,

00:41:27.020 I got less

00:41:27.380 than 1%.

00:41:27.760 That's what

00:41:28.240 you guys

00:41:28.480 want.

00:41:29.720 Okay?

00:41:30.300 I'm constantly

00:41:30.960 paying my

00:41:31.380 cards,

00:41:31.900 you know,

00:41:32.740 once a week.

00:41:34.620 Now,

00:41:35.040 you can wait

00:41:35.500 until the

00:41:35.900 statement comes,

00:41:37.380 but I don't

00:41:37.680 like to let it

00:41:38.260 just accumulate

00:41:38.800 like that.

00:41:39.480 So,

00:41:39.820 I just

00:41:40.160 consistently

00:41:40.880 just pay,

00:41:41.560 pay,

00:41:41.720 pay,

00:41:42.020 keeping that

00:41:42.920 balance as

00:41:43.480 low as

00:41:43.760 possible.

00:41:44.940 That's,

00:41:45.340 that's how

00:41:45.680 I do it.

00:41:47.140 Everyone's

00:41:47.500 different.

00:41:47.760 Some people

00:41:48.020 like to take

00:41:48.480 one day of

00:41:48.880 the month,

00:41:49.680 you know,

00:41:50.320 pay all their

00:41:50.740 bills that

00:41:51.160 one day,

00:41:51.740 cool.

00:41:52.340 But me,

00:41:53.060 you have

00:41:53.380 these apps,

00:41:53.940 bro,

00:41:54.100 you can literally

00:41:54.520 just go on

00:41:55.600 your credit card

00:41:56.160 app,

00:41:56.580 every single

00:41:56.940 one of the,

00:41:57.280 whether it's

00:41:57.620 Amex,

00:41:58.440 Capital One,

00:41:59.200 you know,

00:41:59.980 any of these,

00:42:00.700 Chase,

00:42:01.280 whatever,

00:42:02.040 log into the

00:42:02.520 app and then

00:42:02.920 bam,

00:42:03.200 pay and bring

00:42:04.160 that thing

00:42:04.460 down to zero.

00:42:05.080 And you'll

00:42:05.300 notice that

00:42:05.620 your points

00:42:05.900 will go up

00:42:06.180 because typically

00:42:07.300 these FICO

00:42:07.800 and Experian

00:42:08.320 companies run

00:42:09.740 your credit

00:42:09.980 once a week.

00:42:11.800 Okay?

00:42:12.860 Now,

00:42:13.540 do you need to

00:42:13.900 have 800 credit

00:42:14.620 score?

00:42:14.940 No,

00:42:15.220 I'll be honest

00:42:15.620 with y'all.

00:42:16.120 Once you get

00:42:16.700 past like 780,

00:42:18.200 it's a flex.

00:42:18.740 It's just a flex.

00:42:19.880 There's virtually

00:42:20.780 no difference

00:42:21.280 between having

00:42:21.640 like a 780

00:42:22.380 to like an 815.

00:42:23.440 There's like no

00:42:23.880 difference,

00:42:24.240 bro.

00:42:24.780 There's none.

00:42:25.240 It's just

00:42:25.720 literally,

00:42:26.320 it's just

00:42:28.640 literally

00:42:28.980 vanity points

00:42:30.880 at that point.

00:42:32.340 Okay?

00:42:34.180 So,

00:42:35.300 this is why

00:42:37.760 it's so important

00:42:40.220 for you guys

00:42:40.600 to have credit.

00:42:41.400 So let's do

00:42:42.040 a quick little

00:42:42.600 recap here

00:42:43.060 before I answer

00:42:43.440 questions.

00:42:43.780 Number one,

00:42:49.200 the United States

00:42:49.640 of America

00:42:50.100 and most

00:42:50.760 first world

00:42:51.160 countries

00:42:51.600 rely heavily

00:42:52.740 upon credit.

00:42:54.300 What is credit?

00:42:55.520 Credit is

00:42:56.240 basically

00:42:56.700 your trustworthiness.

00:42:59.160 Okay?

00:43:00.040 Your credit

00:43:00.720 score is a

00:43:01.580 representation

00:43:02.020 of your

00:43:03.000 trustworthiness

00:43:03.640 to be able

00:43:04.320 to borrow

00:43:05.220 money

00:43:05.660 and pay it

00:43:07.060 back to the

00:43:07.500 institution

00:43:07.980 in time

00:43:09.780 with no

00:43:10.420 delays.

00:43:11.780 Okay?

00:43:11.980 Okay?

00:43:13.780 The higher

00:43:14.240 credit score,

00:43:15.200 the more

00:43:15.440 opportunities

00:43:15.920 are available

00:43:16.500 to you.

00:43:17.700 Right?

00:43:18.380 Now,

00:43:19.020 in the grand

00:43:19.540 scheme of

00:43:19.860 things,

00:43:20.260 if you really

00:43:20.720 want to build

00:43:21.120 wealth,

00:43:21.840 the easiest

00:43:22.480 and fastest

00:43:22.920 way to do

00:43:23.480 it,

00:43:24.140 typically,

00:43:24.980 is via real

00:43:25.540 estate.

00:43:26.760 Because of the

00:43:27.480 benefits of

00:43:27.920 cash flow,

00:43:28.820 tax benefits,

00:43:30.320 hedging against

00:43:31.480 inflation because

00:43:32.080 it goes up in

00:43:32.600 value,

00:43:33.060 so many different

00:43:33.640 benefits.

00:43:34.740 And the way

00:43:35.400 to procure real

00:43:36.000 estate,

00:43:37.020 optimally,

00:43:38.740 is by leveraging

00:43:39.640 loans,

00:43:41.640 using leverage,

00:43:42.500 where you put

00:43:43.280 a percentage

00:43:43.620 of money down,

00:43:44.900 you acquire

00:43:45.360 the asset,

00:43:45.960 you control

00:43:46.360 the asset,

00:43:47.020 with only using

00:43:47.760 a portion of

00:43:48.260 your money,

00:43:49.020 and the bank

00:43:49.440 gives you the

00:43:49.820 rest.

00:43:50.340 The bank

00:43:50.760 giving you

00:43:51.140 that loan,

00:43:52.680 aka on

00:43:53.040 leverage or

00:43:53.400 whatever,

00:43:55.040 is based upon,

00:43:56.300 or the terms

00:43:56.920 of you getting

00:43:57.380 that loan,

00:43:58.180 is based upon

00:43:58.840 your credit

00:43:59.220 score.

00:44:00.120 So this is why

00:44:00.700 having a good

00:44:03.160 credit score is

00:44:03.600 extremely important

00:44:04.160 for your ability

00:44:05.000 to build wealth

00:44:05.520 because we know

00:44:06.200 the number one

00:44:06.920 builder of wealth

00:44:07.500 that makes the

00:44:08.200 most millionaires

00:44:08.660 is real estate.

00:44:09.820 And your ability

00:44:10.280 to purchase real

00:44:10.920 estate and control

00:44:11.900 real estate is

00:44:12.860 heavily contingent

00:44:13.540 upon your

00:44:14.200 ability to have

00:44:14.820 a good credit

00:44:15.520 score unless

00:44:16.060 you're buying

00:44:16.420 houses cash,

00:44:17.200 which I don't

00:44:17.800 suggest you do

00:44:18.340 that.

00:44:20.280 Okay,

00:44:20.740 it's not really

00:44:21.240 the,

00:44:22.420 if you want to

00:44:22.860 be optimal,

00:44:23.340 buying houses cash

00:44:24.040 is not the

00:44:24.480 best way to go.

00:44:25.320 Obviously,

00:44:25.620 there's situations

00:44:26.220 and scenarios

00:44:27.520 where it could

00:44:28.200 make sense to

00:44:28.660 buy a house cash,

00:44:29.860 but in most

00:44:30.920 situations,

00:44:31.320 it's probably not

00:44:31.940 going to benefit

00:44:32.400 you in the long

00:44:32.920 term buying a house

00:44:33.480 cash.

00:44:34.120 But that's a

00:44:34.460 whole other

00:44:34.720 conversation,

00:44:35.640 right?

00:44:36.440 then the way

00:44:42.760 to get your

00:44:43.300 credit score up

00:44:44.080 quickly is by

00:44:45.700 number one,

00:44:46.740 making on-time

00:44:47.280 payments,

00:44:47.880 then number two,

00:44:48.680 keep your

00:44:48.940 utilization low.

00:44:50.180 Under 30%

00:44:50.960 total,

00:44:52.640 under 10%

00:44:53.340 optimal,

00:44:53.840 and then under

00:44:54.340 1% if you're

00:44:55.000 a real G. 0.79

00:44:56.560 Okay?

00:44:57.720 And this can be

00:44:58.480 done paying,

00:44:59.240 you know,

00:45:00.220 your credit cards

00:45:00.800 every couple of

00:45:01.360 days,

00:45:01.680 every week,

00:45:02.120 whatever,

00:45:02.480 everyone's different,

00:45:03.100 how they do it,

00:45:03.600 me personally,

00:45:04.360 since I have like,

00:45:04.920 you know,

00:45:05.160 different business

00:45:05.660 credit cards or

00:45:06.140 whatever,

00:45:06.380 I'm paying that

00:45:06.940 thing off like

00:45:07.420 maybe once a

00:45:07.940 week,

00:45:08.520 knocking it

00:45:08.880 down.

00:45:11.140 And then also

00:45:11.780 another benefit

00:45:12.340 besides the real

00:45:12.900 estate,

00:45:13.120 which I didn't

00:45:13.380 get to tell you

00:45:13.820 guys,

00:45:14.180 is the better

00:45:14.640 your credit,

00:45:15.020 the better

00:45:15.420 credit cards

00:45:16.040 you can get.

00:45:17.660 Okay?

00:45:18.660 This is another

00:45:19.260 reason too,

00:45:20.100 why I heavily

00:45:20.540 suggest none of

00:45:21.820 you ever use

00:45:22.380 cash.

00:45:24.500 Using cash to

00:45:25.620 purchase things, 1.00

00:45:26.600 you stupid, 1.00

00:45:27.800 is probably one of 1.00

00:45:28.660 the most ridiculous 0.99

00:45:30.460 and low IQ things 1.00

00:45:32.060 you can ever do.

00:45:33.180 Why?

00:45:34.620 Because you are

00:45:35.380 spending money

00:45:36.040 that you otherwise

00:45:38.160 would have been

00:45:38.640 spending regardless

00:45:39.480 and you're not

00:45:40.680 getting a benefit

00:45:41.140 for it.

00:45:42.440 Let's say I want

00:45:43.140 to buy,

00:45:43.660 I don't know,

00:45:44.820 a TV,

00:45:45.520 right?

00:45:49.280 Two scenarios.

00:45:50.780 Scenario one.

00:45:55.220 I go in there

00:45:56.180 and I buy the TV,

00:45:59.600 cash.

00:46:00.540 All right,

00:46:00.840 cool,

00:46:01.420 whatever.

00:46:03.000 Scenario two.

00:46:04.360 I go in there

00:46:05.100 and I use a credit

00:46:05.680 card,

00:46:06.860 right?

00:46:09.320 TV breaks in two

00:46:10.260 weeks.

00:46:11.680 Well,

00:46:12.220 if I don't have a

00:46:12.940 warranty or anything,

00:46:13.520 I'm cooked.

00:46:15.860 TV breaks in the

00:46:16.740 second scenario,

00:46:17.420 we'll have a credit

00:46:17.940 card that,

00:46:18.780 you know,

00:46:19.100 has insurance for

00:46:20.100 electronics bought.

00:46:21.060 Maybe it's one of

00:46:21.540 the perks of the

00:46:21.960 credit card,

00:46:22.440 right?

00:46:24.000 I go ahead and get

00:46:24.600 that thing replaced 0.98

00:46:25.200 because I purchased

00:46:25.800 it with a certain

00:46:26.220 credit card or I,

00:46:27.180 you know,

00:46:27.820 do some type of claim

00:46:28.560 or I get points.

00:46:32.920 I get a cash back,

00:46:34.220 right?

00:46:34.360 I got a 2% cash back

00:46:35.320 credit card where

00:46:36.700 everything that I

00:46:37.240 purchased,

00:46:37.500 I'm getting 2% on

00:46:38.160 that,

00:46:38.940 right?

00:46:40.240 And then over a

00:46:41.520 period of time,

00:46:43.160 over a bit,

00:46:44.080 over a period of

00:46:44.520 time,

00:46:44.760 when you use a

00:46:45.300 cash back credit

00:46:45.760 card,

00:46:45.960 you just earn

00:46:46.420 hundreds if not

00:46:47.020 thousands of

00:46:47.420 dollars over time

00:46:48.140 for money that

00:46:49.060 you also were

00:46:49.640 already going to

00:46:50.240 spend.

00:46:53.740 So at bare minimum,

00:46:54.680 guys,

00:46:55.200 let's assume you

00:46:55.680 don't want to buy

00:46:56.040 real estate.

00:46:56.840 I don't want to

00:46:57.280 do that,

00:46:57.540 Myron.

00:46:57.660 I just want to

00:46:58.060 focus on,

00:46:58.760 you know,

00:47:00.480 cryptocurrency.

00:47:01.160 I want to

00:47:01.360 focus on the

00:47:01.760 stock market.

00:47:02.260 Cool.

00:47:02.800 No problem.

00:47:04.180 But at least get

00:47:05.120 good credit so

00:47:06.360 that you can go

00:47:06.920 ahead and keep

00:47:07.480 opportunities open

00:47:08.120 for yourself and

00:47:09.760 so that you can go

00:47:10.880 ahead and utilize

00:47:11.800 credit cards that

00:47:12.960 actually give you

00:47:13.480 benefits back.

00:47:15.000 Guys,

00:47:15.540 buying for things

00:47:16.080 in cash or

00:47:17.180 with a debit

00:47:17.580 card quite literally

00:47:19.120 is throwing money

00:47:20.040 outside,

00:47:20.500 it's throwing it

00:47:21.000 out the window

00:47:21.440 because you can

00:47:23.960 use a credit

00:47:24.360 card which is

00:47:25.320 going to reward

00:47:26.040 you for spending

00:47:27.820 that money that

00:47:28.780 you otherwise

00:47:29.120 would have

00:47:29.400 spent and

00:47:30.280 you get a

00:47:30.560 bunch of

00:47:30.780 points.

00:47:32.180 Guys,

00:47:33.020 I'm going to

00:47:33.420 show you guys

00:47:33.780 my Amex thing

00:47:34.400 real quick.

00:47:34.820 give me one

00:47:47.420 second and

00:47:47.760 just.

00:47:54.900 Y'all see

00:47:55.500 that?

00:47:57.060 1.5 million

00:47:58.280 points.

00:47:59.060 1.5 million

00:48:02.160 points on Amex

00:48:02.960 just from buying

00:48:04.840 things that I

00:48:05.280 otherwise would

00:48:05.760 have already

00:48:06.060 bought.

00:48:08.040 I could go do a

00:48:09.100 world tour right

00:48:09.680 now for free

00:48:10.120 pretty much.

00:48:11.760 Right?

00:48:12.200 I want to take a

00:48:12.780 random vacation.

00:48:13.920 I want to go to,

00:48:14.700 I don't know,

00:48:15.300 Tulum.

00:48:16.420 I can literally do

00:48:17.260 that right now

00:48:17.820 for free.

00:48:24.760 This is why I

00:48:25.420 tell you guys,

00:48:27.200 get your credit

00:48:28.120 on point,

00:48:29.060 once you get

00:48:30.360 your credit

00:48:30.620 on point and

00:48:31.000 you show that

00:48:31.320 you're a

00:48:31.580 trustworthy

00:48:31.860 borrower,

00:48:33.880 you get to

00:48:35.160 get better

00:48:35.860 credit cards.

00:48:36.760 Better credit

00:48:37.180 cards give you

00:48:37.680 better perks.

00:48:39.520 Use those perks

00:48:40.080 when you want.

00:48:43.460 It's free money.

00:48:45.000 It's literally

00:48:45.300 free money.

00:48:47.980 Okay?

00:48:51.540 You guys

00:48:52.060 wonder,

00:48:52.340 you guys tell me

00:48:52.720 all the time,

00:48:53.020 why are you a

00:48:53.460 minimalist?

00:48:53.960 Why do you not

00:48:54.440 spend money?

00:48:54.980 That's why.

00:48:55.580 keep my credit

00:48:59.220 score high.

00:49:00.740 Got a bunch of

00:49:01.380 benefits.

00:49:01.780 I can travel

00:49:02.160 whenever I want,

00:49:02.700 whatever,

00:49:02.940 even though I'm

00:49:03.220 not going nowhere.

00:49:05.540 But it's good to

00:49:06.240 have.

00:49:07.880 It's good to have.

00:49:10.820 Right?

00:49:12.260 You can use your

00:49:12.900 points to travel

00:49:14.480 instead of

00:49:15.700 spending your own

00:49:16.880 money.

00:49:17.100 money.

00:49:19.420 So this is the

00:49:20.060 benefit,

00:49:20.460 guys,

00:49:20.840 when you

00:49:22.640 have good

00:49:23.340 credit and

00:49:23.700 then you

00:49:23.940 utilize credit

00:49:24.760 cards that

00:49:25.060 give you

00:49:25.240 something back

00:49:25.720 in exchange.

00:49:27.020 And here's the

00:49:27.300 thing,

00:49:27.460 guys,

00:49:27.560 you don't

00:49:27.720 got to get

00:49:28.120 like a,

00:49:28.560 you don't

00:49:31.160 got to get

00:49:31.460 an Amex

00:49:31.860 platinum or

00:49:32.240 whatever.

00:49:32.480 I have an

00:49:32.700 Amex platinum

00:49:33.160 gold,

00:49:33.480 whatever.

00:49:34.020 Bro,

00:49:34.700 for you guys

00:49:35.460 here that are

00:49:35.840 like kind of

00:49:36.300 new to this,

00:49:37.000 just get

00:49:37.320 yourself a

00:49:37.740 good cash

00:49:38.120 back credit

00:49:38.460 card.

00:49:38.800 That's it.

00:49:39.620 Honestly.

00:49:40.720 I tell

00:49:41.240 everyone at

00:49:41.820 least,

00:49:42.480 at least,

00:49:43.300 please,

00:49:44.700 if you guys

00:49:45.000 are going to

00:49:45.180 do one

00:49:45.500 thing,

00:49:45.760 have two

00:49:48.800 requests.

00:49:49.840 Number one,

00:49:50.460 don't pay for

00:49:51.040 things with

00:49:51.420 cash or a

00:49:52.040 debit card.

00:49:52.500 Please don't

00:49:52.840 do that.

00:49:53.860 Okay?

00:49:54.220 Don't do

00:49:54.700 that.

00:49:55.520 That's number

00:49:55.900 one.

00:49:56.520 Number two,

00:49:57.940 get yourself a

00:49:58.780 cash back credit

00:49:59.420 card that gets

00:49:59.920 you somewhere

00:50:00.240 between 1.5

00:50:01.640 to 2% cash

00:50:02.380 back on all

00:50:03.060 categories.

00:50:03.780 Okay?

00:50:06.820 If you

00:50:07.320 could do

00:50:07.560 that,

00:50:07.980 it's going to

00:50:08.320 hurt.

00:50:08.480 You literally

00:50:08.820 just use that

00:50:09.360 card for

00:50:09.720 everything and

00:50:10.460 you just

00:50:10.720 run it up

00:50:12.160 and just pay

00:50:14.100 it off.

00:50:14.480 Run it up,

00:50:14.980 pay it off,

00:50:15.340 run it up,

00:50:15.880 pay it off.

00:50:18.000 You do

00:50:18.480 this for a

00:50:19.500 month.

00:50:20.260 You do

00:50:20.720 this for a

00:50:21.640 year.

00:50:22.000 You do

00:50:22.220 this for

00:50:22.660 years.

00:50:23.320 Now we're

00:50:23.640 talking about

00:50:23.960 thousands of

00:50:24.360 dollars that

00:50:24.740 you're making

00:50:25.060 for simply

00:50:26.880 swiping a

00:50:27.400 card,

00:50:28.640 for purchases

00:50:29.680 you would have

00:50:29.980 done anyway.

00:50:31.440 So at least

00:50:31.940 guys get a

00:50:32.480 cash back

00:50:32.820 credit card.

00:50:33.720 Now if you

00:50:34.080 like to

00:50:34.320 travel,

00:50:34.920 you go ahead

00:50:35.300 and get

00:50:35.480 yourself a

00:50:37.200 travel credit

00:50:37.660 card.

00:50:38.820 And none of

00:50:39.320 these guys are

00:50:39.720 paying me to

00:50:40.040 tell you all

00:50:40.320 this.

00:50:40.500 I'm just

00:50:40.800 telling you

00:50:41.100 guys,

00:50:41.680 you know,

00:50:42.640 from my

00:50:43.280 experience of

00:50:43.700 what I do,

00:50:44.160 and I

00:50:47.660 just want to

00:50:47.960 help you

00:50:48.180 guys out.

00:50:49.100 But get

00:50:49.340 yourself first

00:50:50.400 a good

00:50:51.000 cash back

00:50:51.380 credit card.

00:50:52.100 Once you get

00:50:52.440 a good

00:50:52.640 cash back

00:50:52.980 credit card,

00:50:53.440 then you can

00:50:53.820 diversify going

00:50:54.400 to get

00:50:54.620 yourself a

00:50:54.940 good travel

00:50:55.260 credit card.

00:50:57.040 Then if you

00:50:57.620 start a

00:50:57.920 business,

00:50:58.260 go ahead and

00:50:58.540 get yourself

00:50:58.920 a business

00:50:59.300 credit card.

00:50:59.700 But that's

00:51:03.080 step one.

00:51:04.800 Okay?

00:51:05.160 So even if

00:51:05.800 you don't

00:51:05.960 want to

00:51:06.140 buy real

00:51:06.440 estate,

00:51:06.740 guys,

00:51:07.440 no problem.

00:51:09.760 Leverage

00:51:10.080 that good

00:51:10.340 credit to

00:51:10.800 get good

00:51:11.100 credit cards

00:51:11.560 that pay

00:51:11.900 you back.

00:51:14.020 Free

00:51:14.400 trips,

00:51:14.800 free money,

00:51:15.700 free hotel,

00:51:16.600 whatever.

00:51:18.620 Okay.

00:51:21.680 Let me

00:51:22.140 answer some

00:51:22.540 questions here.

00:51:24.480 Guys,

00:51:24.900 get your

00:51:25.080 questions in

00:51:25.560 and then I'm

00:51:25.920 going to end

00:51:26.260 the Fresh

00:51:26.540 Fit chat

00:51:27.000 here soon.

00:51:28.220 Let's

00:51:32.220 see here.

00:51:41.500 Okay.

00:51:43.960 CJBC says,

00:51:44.820 Yo,

00:51:44.980 Amar,

00:51:45.120 I just

00:51:45.280 joined OSS

00:51:45.780 today.

00:51:45.920 I'm 29.

00:51:46.340 I got a

00:51:46.600 promotion this

00:51:47.100 year and I

00:51:47.420 now make

00:51:47.800 10K a

00:51:48.440 month.

00:51:48.960 All I

00:51:49.220 do is

00:51:49.400 work out

00:51:49.700 and work

00:51:51.520 listening to

00:51:51.900 you break

00:51:52.200 down how

00:51:52.540 the world

00:51:52.800 really works.

00:51:53.260 Your words

00:51:53.480 are what

00:51:54.020 all young

00:51:54.300 men need 1.00

00:51:54.600 to hear

00:51:54.800 these days.

00:51:55.520 I put

00:51:56.160 all three

00:51:56.420 of my

00:51:56.560 younger

00:51:56.720 brothers

00:51:56.980 on to

00:51:57.320 you.

00:51:57.560 I'll

00:51:57.640 be the

00:51:57.880 first

00:51:58.100 in line

00:51:58.400 for

00:51:58.520 OSS

00:51:58.800 Secret

00:51:58.980 Police.

00:51:59.260 I

00:51:59.320 appreciate

00:51:59.620 that,

00:51:59.880 my

00:51:59.980 friend.

00:52:00.980 I

00:52:01.100 always

00:52:01.340 appreciate

00:52:01.740 the

00:52:01.900 Yugo

00:52:02.040 references.

00:52:02.960 Thank

00:52:03.100 you,

00:52:03.260 dude.

00:52:03.400 I'm glad

00:52:03.720 that I'm

00:52:03.980 able to

00:52:04.220 help,

00:52:04.520 man.

00:52:04.840 I really

00:52:07.000 do

00:52:07.320 treasure the

00:52:10.520 fact that a

00:52:10.880 lot of you

00:52:11.140 guys look at

00:52:11.460 me as an

00:52:11.800 older brother

00:52:12.220 or a father

00:52:13.280 figure.

00:52:14.020 I have

00:52:14.620 that duty

00:52:15.060 and responsibility

00:52:15.560 to give

00:52:16.260 you guys as

00:52:16.600 much value

00:52:16.940 as I can,

00:52:17.320 whether it's

00:52:17.580 geopolitics,

00:52:18.600 financial

00:52:18.880 stuff,

00:52:19.780 how you

00:52:20.580 can build

00:52:20.880 wealth,

00:52:21.720 just get

00:52:23.100 your life

00:52:23.380 together.

00:52:23.940 This is what

00:52:24.200 I'm here

00:52:24.420 for,

00:52:24.700 so thank

00:52:28.100 124

00:52:28.420 because of

00:52:29.120 you.

00:52:29.300 Thanks.

00:52:29.720 Awesome.

00:52:30.460 Congratulations,

00:52:31.000 Drewski.

00:52:31.240 That's huge.

00:52:32.280 That's huge,

00:52:32.920 man.

00:52:33.720 That's great,

00:52:34.360 dude.

00:52:35.140 You literally

00:52:35.680 went,

00:52:36.000 because like

00:52:36.320 650 is

00:52:36.960 considered

00:52:37.380 fair.

00:52:38.040 You basically

00:52:38.400 went from

00:52:38.720 low-end

00:52:39.300 fair to

00:52:40.760 good.

00:52:42.220 Get yourself

00:52:42.840 to 750

00:52:43.280 and then

00:52:43.640 you'll be

00:52:43.880 cooking.

00:52:45.140 Roberto,

00:52:45.520 what do you

00:52:45.760 think about

00:52:46.120 going in

00:52:46.620 debt to

00:52:47.000 pay for

00:52:47.300 online course?

00:52:47.940 The course

00:52:48.240 is from

00:52:48.840 one of

00:52:49.080 Brandon

00:52:49.260 Carter's

00:52:51.080 good friends.

00:52:51.780 What would

00:52:52.080 you do?

00:52:53.020 Look,

00:52:53.600 I've done

00:52:54.800 that myself.

00:52:55.600 When I

00:52:55.940 went and got

00:52:56.420 Brandon

00:52:56.840 Carter's

00:52:57.140 program,

00:52:57.540 that put

00:52:57.820 me in

00:52:58.060 debt

00:52:58.200 too,

00:52:59.020 but I

00:52:59.540 just bet

00:52:59.820 on myself

00:53:00.200 that I

00:53:00.560 would make

00:53:00.840 sure I

00:53:01.060 would do

00:53:01.260 everything.

00:53:01.740 My thing

00:53:02.060 is if

00:53:02.360 you're

00:53:02.460 going to

00:53:02.640 go in

00:53:03.040 debt to

00:53:03.780 pay for

00:53:04.080 a course,

00:53:04.700 I'd prefer

00:53:05.140 you don't,

00:53:06.060 but I'd

00:53:07.020 prefer you

00:53:07.320 save the

00:53:07.620 money.

00:53:07.900 But if

00:53:08.100 time isn't

00:53:08.820 necessarily

00:53:09.320 available to

00:53:10.080 you like

00:53:10.360 that,

00:53:11.000 you just

00:53:11.580 got to

00:53:11.900 make sure

00:53:12.460 that you're

00:53:12.920 100%

00:53:13.380 serious about

00:53:13.840 this and

00:53:14.140 you're

00:53:14.260 going to

00:53:14.420 watch all

00:53:14.720 the modules,

00:53:15.200 et cetera.

00:53:15.740 Look,

00:53:16.540 I don't have

00:53:16.960 a course to

00:53:17.340 sell y'all.

00:53:18.080 I don't have

00:53:18.500 anything to

00:53:18.900 sell y'all.

00:53:19.740 What I

00:53:20.000 will say

00:53:20.220 is this.

00:53:20.560 If you're

00:53:20.760 going to

00:53:20.920 go ahead

00:53:21.180 and buy

00:53:21.400 a course

00:53:21.840 that's going

00:53:22.400 to teach

00:53:22.600 you how

00:53:22.740 to make

00:53:22.920 money or

00:53:23.400 learn some

00:53:24.000 type of

00:53:24.320 high-income

00:53:24.680 skill,

00:53:25.380 that's fine.

00:53:26.780 Do your

00:53:27.100 research.

00:53:28.180 You can do

00:53:28.960 it, but

00:53:29.640 please make

00:53:31.260 sure that you

00:53:32.180 guys are

00:53:32.580 about that

00:53:33.120 life.

00:53:33.780 Make sure

00:53:34.180 you're going

00:53:34.460 to watch

00:53:34.700 the modules.

00:53:35.240 Make sure

00:53:35.700 you're going

00:53:36.140 to go to

00:53:36.540 the follow-up

00:53:37.460 Zoom calls

00:53:37.860 if they have

00:53:38.280 them.

00:53:38.660 Make sure

00:53:39.020 you follow

00:53:39.440 every single

00:53:40.220 instruction.

00:53:41.560 Make sure

00:53:41.880 you do

00:53:42.200 everything

00:53:42.440 that you

00:53:42.700 need to

00:53:42.920 do.

00:53:43.180 A lot

00:53:44.660 of

00:53:44.720 people

00:53:44.880 buy a

00:53:45.220 course

00:53:45.400 and

00:53:45.540 they

00:53:45.640 don't

00:53:45.880 actually

00:53:46.300 take

00:53:46.520 action

00:53:46.960 on

00:53:47.420 the

00:53:48.120 outline.

00:53:52.660 You can

00:53:53.580 absolutely

00:53:54.060 do that,

00:53:55.900 but be

00:53:57.180 wary.

00:54:00.540 It's

00:54:00.940 only going

00:54:01.220 to work

00:54:01.480 if you

00:54:01.700 do.

00:54:03.640 Jay's

00:54:04.000 higher

00:54:04.120 says,

00:54:04.480 hey,

00:54:04.640 Myron,

00:54:04.820 regarding

00:54:05.040 Money

00:54:05.240 Monday,

00:54:05.620 what are

00:54:05.960 some of

00:54:06.280 the best

00:54:06.560 things you

00:54:06.820 could do

00:54:07.020 as a

00:54:07.200 20-year-old

00:54:07.600 with a

00:54:08.100 loan

00:54:08.340 to get

00:54:08.920 credit

00:54:09.140 up?

00:54:10.640 Just

00:54:11.000 make timely

00:54:11.400 payments.

00:54:12.220 Make

00:54:12.380 timely

00:54:12.620 payments,

00:54:13.020 and then

00:54:13.320 also

00:54:13.540 keep

00:54:13.760 your

00:54:13.880 utilization

00:54:14.500 low.

00:54:15.440 Another

00:54:15.640 pro tip

00:54:15.960 for you

00:54:16.200 guys.

00:54:17.540 If you

00:54:18.020 notice

00:54:18.260 that you

00:54:18.500 constantly

00:54:18.800 hit over

00:54:21.620 30%

00:54:22.240 utilization,

00:54:23.260 another

00:54:23.500 pro tip

00:54:23.840 you guys

00:54:24.120 can do

00:54:24.440 is if

00:54:26.900 you've

00:54:27.040 had your

00:54:27.280 credit card

00:54:27.580 for a

00:54:27.800 few months,

00:54:28.280 six months

00:54:28.680 to a

00:54:28.840 year,

00:54:29.860 request

00:54:30.180 a credit

00:54:31.240 line

00:54:31.400 increase.

00:54:32.980 Because when

00:54:33.480 you request

00:54:33.840 a credit

00:54:34.100 line

00:54:34.280 increase,

00:54:35.080 every time

00:54:35.680 you spend

00:54:35.920 money,

00:54:36.200 your

00:54:36.240 utilization

00:54:36.580 on that

00:54:37.140 credit

00:54:37.320 card is

00:54:37.540 going to

00:54:37.680 go lower

00:54:38.000 and lower.

00:54:39.380 Always

00:54:39.740 try to get

00:54:40.240 your available

00:54:42.200 credit,

00:54:42.520 guys,

00:54:42.780 as high

00:54:43.040 as possible

00:54:43.500 so that

00:54:44.800 your

00:54:45.560 utilization

00:54:45.980 stays within

00:54:47.260 an acceptable

00:54:47.840 parameter.

00:54:48.420 Does that

00:54:48.580 make sense?

00:54:49.620 So one of the

00:54:50.120 fastest ways to

00:54:50.640 do that,

00:54:51.480 call your credit

00:54:51.880 card directly

00:54:52.380 or use the

00:54:53.080 app,

00:54:53.680 request a

00:54:54.420 credit line

00:54:56.060 increase,

00:54:56.660 and then

00:54:57.200 bam.

00:54:59.100 You know,

00:55:00.220 let's say you

00:55:01.060 have $1,000.

00:55:03.300 Would you spend

00:55:04.000 $3,000?

00:55:05.140 Right?

00:55:05.400 Now you're

00:55:06.940 at 30%

00:55:07.380 utilization,

00:55:08.320 not looking

00:55:08.600 so good.

00:55:09.820 But if you

00:55:10.380 get it to

00:55:10.820 $20,000,

00:55:12.580 right,

00:55:13.400 and you

00:55:13.640 spend that

00:55:13.980 $1,000,

00:55:14.680 it drops

00:55:15.100 in half.

00:55:16.100 So this

00:55:16.660 is why

00:55:16.980 increasing

00:55:17.640 your credit

00:55:17.900 line is

00:55:18.500 very helpful.

00:55:20.220 It's a

00:55:20.680 very easy

00:55:21.160 way to

00:55:21.540 just bring

00:55:23.100 your utilization

00:55:23.580 down without

00:55:24.180 even trying.

00:55:25.880 Okay,

00:55:26.320 Lane says,

00:55:27.280 want to let

00:55:28.200 you know,

00:55:28.760 I watched

00:55:29.060 my first

00:55:29.400 Money Monday

00:55:29.720 episode two

00:55:30.120 years ago

00:55:30.460 and got my

00:55:30.860 car repoed

00:55:32.100 and I hit

00:55:32.480 rock bottom.

00:55:33.400 From there,

00:55:33.820 repaired my

00:55:34.260 credit,

00:55:34.560 worked three

00:55:34.900 jobs,

00:55:35.300 and started

00:55:35.560 an Amazon

00:55:35.920 FBA store.

00:55:36.940 Within those

00:55:37.360 two years,

00:55:37.760 I leveraged

00:55:38.120 my Amex

00:55:38.500 Plum,

00:55:39.700 Navy Federal

00:55:40.220 Platinum,

00:55:41.300 and Chase

00:55:41.960 Inc.

00:55:42.220 Card to

00:55:42.860 now hit

00:55:43.520 $50,000 a

00:55:44.320 month living

00:55:44.680 downtown Austin,

00:55:45.400 Texas.

00:55:45.640 My girl cooks

00:55:46.180 and cleans

00:55:46.500 and respects

00:55:46.840 me.

00:55:47.320 Not going

00:55:47.620 to lie,

00:55:47.900 man,

00:55:48.620 this would

00:55:49.100 have never

00:55:49.380 happened if

00:55:49.880 you weren't

00:55:50.160 hard on

00:55:50.500 young men

00:55:50.820 like me.

00:55:51.420 Thank you,

00:55:51.920 bro,

00:55:52.200 for real.

00:55:55.960 I don't

00:55:59.940 really know

00:56:00.320 what to say.

00:56:01.120 I mean,

00:56:01.940 guys,

00:56:04.020 messages like

00:56:04.480 this is why

00:56:04.880 I do

00:56:05.060 what I

00:56:05.260 do.

00:56:06.260 Honestly,

00:56:07.380 every time

00:56:08.040 I get one 1.00

00:56:09.360 of these dumb 0.99

00:56:09.780 messages from 1.00

00:56:10.280 a hater saying

00:56:11.360 some BS or

00:56:12.060 someone drops

00:56:12.520 a hit piece

00:56:12.880 or whatever,

00:56:13.880 it's messages

00:56:14.400 like this that

00:56:14.900 remind me,

00:56:15.380 okay,

00:56:15.960 stay the

00:56:16.240 course,

00:56:16.540 this is why

00:56:16.720 I got to

00:56:16.960 keep doing

00:56:17.220 what I'm

00:56:17.420 doing.

00:56:18.020 We're over

00:56:18.260 here changing

00:56:18.620 guys' lives,

00:56:19.160 helping them

00:56:19.480 become financially

00:56:20.080 independent,

00:56:20.760 helping them

00:56:21.160 take control

00:56:22.100 of their life,

00:56:23.060 helping them

00:56:23.360 be in a

00:56:23.660 position where

00:56:24.060 they can

00:56:24.280 take care of

00:56:24.620 their family

00:56:25.000 or their

00:56:25.280 loved ones.

00:56:25.680 So I

00:56:26.260 really appreciate

00:56:26.820 that,

00:56:27.140 man.

00:56:27.680 I really

00:56:27.980 do.

00:56:28.200 my ops

00:56:30.120 can never

00:56:30.680 ever get

00:56:31.640 messages like

00:56:32.180 this and

00:56:32.540 this is what

00:56:32.780 I pride

00:56:33.040 myself on.

00:56:34.880 All my

00:56:35.440 biggest haters

00:56:35.940 don't get

00:56:36.320 messages like

00:56:36.820 this and

00:56:37.160 this is

00:56:37.520 literally

00:56:37.860 what sets

00:56:39.560 me apart

00:56:39.920 from these

00:56:40.200 guys and

00:56:40.480 I really

00:56:40.980 appreciate

00:56:42.020 that you

00:56:43.200 guys give

00:56:43.720 me that

00:56:44.900 privilege of

00:56:46.560 being able to

00:56:47.220 brag on your

00:56:47.720 guys' success

00:56:48.380 because I

00:56:48.700 really do be

00:56:49.120 bragging about

00:56:49.620 y'all's success,

00:56:50.240 bro.

00:56:50.980 That's literally

00:56:51.560 my biggest

00:56:52.320 flex is you

00:56:53.640 guys being able

00:56:54.140 to flex.

00:56:54.660 Pause.

00:56:54.920 The Mulatto 0.98

00:56:56.820 says donated.

00:56:57.780 Thank you so

00:56:58.080 much,

00:56:58.260 bro,

00:56:58.360 for the

00:56:58.580 30.

00:56:59.000 Appreciate

00:56:59.240 you,

00:56:59.520 bro.

00:57:03.940 I can't

00:57:04.580 imagine how

00:57:04.960 much you

00:57:05.280 owe in

00:57:05.800 property taxes

00:57:06.440 for multiple

00:57:06.980 properties.

00:57:07.660 Yeah.

00:57:08.100 Yeah,

00:57:08.340 it's a pain,

00:57:08.980 dude.

00:57:09.080 It kind of 0.99

00:57:09.400 sucks. 1.00

00:57:10.560 It sucks, 1.00

00:57:11.240 property taxes. 0.99

00:57:12.720 Joseph,

00:57:13.060 can I ask you

00:57:13.540 what your

00:57:13.920 process looks

00:57:14.520 like when it

00:57:15.060 comes to

00:57:15.360 getting and

00:57:15.740 vetting good

00:57:16.120 tenants?

00:57:16.780 Also,

00:57:17.260 when you buy

00:57:17.620 the property,

00:57:18.060 how long

00:57:18.440 will you be

00:57:18.960 paying the

00:57:19.520 mortgage out-of-pocket

00:57:20.260 and average

00:57:20.720 before you find

00:57:21.240 a tenant?

00:57:21.700 Okay,

00:57:21.980 so I'm going

00:57:22.280 to cover this

00:57:22.700 in detail with

00:57:23.220 Roger.

00:57:24.640 I'm going

00:57:25.060 to cover this

00:57:25.480 in detail with

00:57:26.000 Roger.

00:57:27.400 For those of

00:57:28.000 you that don't

00:57:28.360 know,

00:57:28.600 new here,

00:57:29.080 Roger is my

00:57:29.680 real estate

00:57:30.120 guy and he's

00:57:31.360 also my

00:57:31.760 property manager.

00:57:33.160 Okay?

00:57:33.840 We've had to

00:57:34.460 evict a bunch 0.99

00:57:34.920 of different

00:57:35.220 people.

00:57:36.620 We've had to

00:57:37.200 deal with a

00:57:37.520 whole bunch

00:57:37.820 of BS with

00:57:38.200 annoying tenants.

00:57:39.240 So we learned

00:57:39.920 quite a bit.

00:57:42.100 But what I will

00:57:43.140 say is this.

00:57:45.860 When it comes

00:57:46.440 to tenants,

00:57:46.900 man,

00:57:47.080 credit score is

00:57:47.580 almost like the

00:57:48.260 most important

00:57:48.660 thing,

00:57:48.960 dude,

00:57:49.340 pretty much.

00:57:50.820 I used to

00:57:51.460 think 60K,

00:57:53.640 right?

00:57:53.960 Above typically

00:57:54.720 and above makes

00:57:56.420 them somewhat

00:57:57.060 reputable and

00:57:58.160 safe.

00:57:58.900 But no,

00:57:59.420 man,

00:57:59.540 it's credit

00:57:59.800 score.

00:58:00.080 Because I've

00:58:00.340 had people that

00:58:00.740 make six figures,

00:58:02.160 their credit

00:58:02.500 score isn't good.

00:58:03.420 Boom,

00:58:03.800 they're still not

00:58:04.540 paying and stuff

00:58:05.060 like that.

00:58:05.380 I had to evict a 1.00

00:58:05.820 guy who was

00:58:06.080 like an airline

00:58:06.540 mechanic.

00:58:07.660 Still wasn't

00:58:08.280 making payments

00:58:08.920 and being

00:58:09.260 extremely

00:58:09.740 irresponsible.

00:58:11.300 So credit

00:58:12.120 score,

00:58:12.420 man,

00:58:12.620 is super

00:58:13.140 important.

00:58:13.640 It's a

00:58:13.860 combination.

00:58:14.680 You want

00:58:15.020 them to be

00:58:15.340 60K plus and

00:58:16.200 then also have

00:58:16.780 a good credit

00:58:17.140 score.

00:58:17.900 That's what I

00:58:18.340 would say are

00:58:18.620 the two things

00:58:19.040 that you want

00:58:19.380 to look at.

00:58:19.760 But I'm

00:58:21.560 going to go

00:58:21.820 into way more

00:58:22.280 detail on this

00:58:22.780 when I bring

00:58:23.120 Roger in.

00:58:23.960 So make sure

00:58:24.720 you guys tune

00:58:25.080 in for that

00:58:25.360 one.

00:58:26.060 Probably going

00:58:26.480 to be in the

00:58:26.820 new year because

00:58:27.420 Roger I think

00:58:28.460 is gone for

00:58:28.920 the holidays.

00:58:29.620 Red Pill Clipper

00:58:30.200 says,

00:58:30.540 my wife has a

00:58:31.220 680 and I'm

00:58:31.820 at 648.

00:58:33.320 Can me and her

00:58:34.000 get our first

00:58:34.960 time house

00:58:35.660 buying approved

00:58:36.220 with this or

00:58:37.040 should I keep

00:58:37.400 raising?

00:58:37.720 I was at 521

00:58:38.340 and you guys

00:58:38.740 helped me get

00:58:39.100 it to where it

00:58:39.460 is now.

00:58:39.740 Thanks for

00:58:39.980 that.

00:58:40.440 Yeah,

00:58:40.720 no problem.

00:58:41.420 Yeah,

00:58:41.660 dude,

00:58:41.840 you want to

00:58:42.140 get it to

00:58:42.480 at least 750.

00:58:43.720 At least 750,

00:58:45.520 Red Pill Clipper.

00:58:49.380 Can you buy

00:58:49.960 a house at 680?

00:58:50.700 Of course.

00:58:51.920 But if you

00:58:52.320 want more

00:58:52.860 favorable terms,

00:58:54.620 you definitely

00:58:55.540 want to get

00:58:57.500 it to at least

00:58:57.960 into the mid

00:58:58.640 700 range to

00:59:00.100 give yourself

00:59:00.460 the best

00:59:00.780 opportunities.

00:59:03.480 How do we

00:59:04.000 go about

00:59:04.260 final taxes

00:59:04.660 after we

00:59:04.920 bought a

00:59:06.300 home duplex

00:59:06.780 for the first

00:59:07.180 time since tax

00:59:07.760 season is coming

00:59:08.180 up?

00:59:08.580 Well,

00:59:08.740 you're going

00:59:08.920 to do

00:59:09.120 depreciation

00:59:09.720 and you're

00:59:09.940 going to

00:59:10.060 do cost

00:59:10.380 segregation.

00:59:12.320 Okay,

00:59:12.700 and I've

00:59:12.900 done episodes

00:59:13.280 where I

00:59:13.500 explain that

00:59:13.860 in more

00:59:14.060 detail.

00:59:15.820 But yeah,

00:59:16.360 those are

00:59:16.620 going to

00:59:16.740 be your

00:59:16.980 two big

00:59:17.360 ways to

00:59:17.740 write off

00:59:17.980 real estate.

00:59:18.460 Cost

00:59:18.620 segregation

00:59:19.020 and then

00:59:19.560 depreciation.

00:59:21.800 Joseph,

00:59:22.380 do you

00:59:22.560 think you

00:59:22.800 can still

00:59:23.400 find good

00:59:24.100 deals for

00:59:24.460 $100,000

00:59:24.900 especially

00:59:25.400 given the

00:59:26.080 interest rate?

00:59:26.920 I was

00:59:27.140 looking at

00:59:27.380 a property

00:59:27.620 in Abu

00:59:28.220 Dhabi,

00:59:28.540 very intriguing,

00:59:29.060 but you'll

00:59:29.300 need a

00:59:30.140 bigger down

00:59:30.640 payment.

00:59:35.620 It depends

00:59:36.240 on where

00:59:36.460 you live,

00:59:36.760 bro.

00:59:36.920 If you're

00:59:37.120 in the

00:59:37.260 Midwest,

00:59:38.100 you can,

00:59:39.340 but if

00:59:40.480 you're in

00:59:40.660 New England

00:59:40.960 or Florida

00:59:41.900 or something

00:59:42.140 like that,

00:59:42.420 it's going

00:59:42.560 to be really

00:59:42.840 hard to find

00:59:43.240 a house that

00:59:43.680 cheap.

00:59:45.220 My son,

00:59:45.500 when it

00:59:45.640 comes to

00:59:45.880 minimalism,

00:59:46.300 what's your

00:59:46.500 thoughts on

00:59:46.960 buying design

00:59:47.800 counterfeits?

00:59:48.980 Because I have

00:59:49.500 a Rolex that

00:59:50.020 looks one-to-one

00:59:50.720 with a real

00:59:51.020 Rolex and

00:59:51.360 other Gucci

00:59:51.700 bags and

00:59:52.120 sure,

00:59:52.560 pretty

00:59:52.720 satisfied.

00:59:53.140 I'll be

00:59:53.340 costing around

00:59:53.880 under $50.

00:59:54.960 I mean,

00:59:55.560 if you really

00:59:56.020 want to do

00:59:56.700 that,

00:59:56.960 bro,

00:59:57.200 but I've

00:59:57.760 always frowned

00:59:58.940 upon,

00:59:59.240 me personally,

00:59:59.760 I don't like

01:00:00.280 wearing

01:00:00.860 counterfeit stuff.

01:00:01.640 It just feels

01:00:03.100 weird,

01:00:03.600 right?

01:00:04.520 But I know a lot

01:00:05.140 of people that

01:00:05.520 do it,

01:00:05.860 they'll wear a

01:00:06.340 fake Rolex or

01:00:07.040 wear a fake

01:00:07.820 chain and

01:00:08.240 not care.

01:00:09.320 But I don't

01:00:09.940 like that,

01:00:10.280 dude.

01:00:10.880 I don't like

01:00:11.260 that.

01:00:12.100 Personally,

01:00:12.500 me.

01:00:12.840 I just don't.

01:00:13.300 I don't like

01:00:13.820 luxury items in

01:00:14.500 general,

01:00:14.760 so I'm not

01:00:15.360 going to do a

01:00:15.760 fake one.

01:00:16.120 But that's a

01:00:16.680 personal decision,

01:00:17.440 so up to you.

01:00:19.400 Yo,

01:00:19.640 Mario,

01:00:19.800 just joined

01:00:20.060 OSS.

01:00:20.420 Where's the

01:00:20.640 video to talk

01:00:21.100 about World

01:00:21.560 War II in

01:00:21.920 detail?

01:00:22.380 Way back,

01:00:22.880 bro.

01:00:24.100 Mario,

01:00:24.320 so my parents

01:00:24.740 got an offer

01:00:25.260 to use the

01:00:25.700 blue card Amex.

01:00:26.580 Got an 800

01:00:26.920 plus credit

01:00:27.320 score.

01:00:27.560 Is it worth

01:00:27.880 it?

01:00:28.360 Plus,

01:00:28.600 they also want

01:00:29.420 me under

01:00:29.960 their credit

01:00:30.320 score.

01:00:30.760 How would

01:00:31.020 that work?

01:00:31.480 Do I get

01:00:31.840 the 800

01:00:32.240 plus instantly

01:00:32.760 or paying

01:00:33.860 things bit

01:00:34.280 by bit?

01:00:34.640 19 years old,

01:00:35.140 by the way.

01:00:35.480 Yeah,

01:00:35.760 no,

01:00:36.280 so the blue

01:00:37.360 card Amex is

01:00:38.040 actually pretty

01:00:38.400 good.

01:00:38.600 I have that

01:00:39.000 card.

01:00:40.080 I do have

01:00:40.680 that card,

01:00:41.060 if I'm not

01:00:41.340 mistaken.

01:00:42.780 Yeah,

01:00:43.180 they can put

01:00:43.660 you as

01:00:43.880 an authorized

01:00:44.200 user and

01:00:44.660 that will

01:00:44.880 help you

01:00:45.160 start with

01:00:47.560 your credit.

01:00:47.920 So yeah,

01:00:48.240 it's a fantastic

01:00:48.760 way to start

01:00:49.160 building your

01:00:49.480 credit,

01:00:49.720 bro.

01:00:50.760 So definitely

01:00:51.180 do it.

01:00:53.900 Kay says,

01:00:54.780 hey,

01:00:54.920 Martin,

01:00:55.180 when you owe

01:00:55.760 hospital,

01:00:56.560 don't they have

01:00:57.120 no effect on

01:00:58.680 your credit

01:00:58.940 score because

01:00:59.360 of HIPAA?

01:00:59.780 It depends.

01:01:00.720 I've seen

01:01:01.040 people that

01:01:02.020 had an

01:01:02.360 ambulance

01:01:02.840 ride,

01:01:04.560 forgot about

01:01:05.400 it,

01:01:05.540 and that

01:01:05.800 thing came

01:01:06.140 back to

01:01:06.440 haunt them

01:01:06.720 10 years 0.97

01:01:07.080 later.

01:01:07.800 So it

01:01:08.040 really depends.

01:01:10.260 Ken Rose,

01:01:10.660 hi there,

01:01:11.000 fear.

01:01:11.340 Will your

01:01:11.860 50-year

01:01:12.160 mortgages

01:01:12.520 become a

01:01:12.960 reality?

01:01:13.500 It's

01:01:13.680 possible,

01:01:14.120 bro.

01:01:14.640 It's

01:01:14.780 definitely

01:01:15.000 possible.

01:01:16.480 Naval

01:01:16.700 aviator,

01:01:17.520 been gone

01:01:18.040 for a bit.

01:01:18.660 If I

01:01:18.840 wasn't

01:01:19.080 flying,

01:01:19.540 I was

01:01:19.860 hardcore

01:01:20.120 studying

01:01:20.440 for stuff.

01:01:21.500 Didn't

01:01:21.680 know if

01:01:21.920 you had

01:01:22.100 covered

01:01:22.400 this,

01:01:22.820 but have

01:01:23.080 you seen

01:01:23.360 the autistic

01:01:23.720 teen in

01:01:24.060 Atlanta

01:01:24.240 who had

01:01:24.560 his eye

01:01:24.880 gouged

01:01:25.200 out by,

01:01:25.760 no,

01:01:26.080 I did

01:01:32.020 in future

01:01:32.340 generations.

01:01:32.840 Good,

01:01:33.060 good,

01:01:33.380 awesome,

01:01:33.700 that's

01:01:33.880 excellent,

01:01:34.200 man.

01:01:35.200 Excellent.

01:01:37.080 Peppy,

01:01:37.440 and I

01:01:37.540 have two

01:01:37.800 high-interest

01:01:38.840 credit cards,

01:01:39.500 both around

01:01:39.840 26%.

01:01:40.440 Yeah,

01:01:40.660 I mean,

01:01:40.840 that's

01:01:40.960 credit cards

01:01:41.320 in general.

01:01:42.340 I owe

01:01:42.540 about 7,500

01:01:43.180 total.

01:01:43.660 My credit

01:01:43.960 score is

01:01:44.320 in the

01:01:44.500 2,720.

01:01:45.140 Should I

01:01:45.380 do credit

01:01:45.980 card

01:01:46.180 consolidation

01:01:46.520 loan for

01:01:47.380 the lowest

01:01:47.660 lower interest

01:01:48.680 with my

01:01:49.020 credit union?

01:01:50.080 You could,

01:01:50.640 you could,

01:01:52.100 you could,

01:01:55.560 but dude,

01:01:56.820 I would say,

01:01:57.680 I mean,

01:01:57.940 you could do

01:01:58.320 that or

01:01:58.620 whatever.

01:01:58.960 I would say

01:01:59.240 work more

01:01:59.580 hours,

01:01:59.900 bro,

01:02:00.520 and just

01:02:02.020 that again.

01:02:03.100 Never let

01:02:03.440 it run

01:02:04.420 up like

01:02:04.680 that again.

01:02:06.880 Big ZD 0.78

01:02:07.300 says,

01:02:07.780 why do you

01:02:08.440 have Kamala

01:02:08.780 Harris book

01:02:09.120 behind you?

01:02:12.080 Big ZD 0.78

01:02:12.580 must be

01:02:12.880 new here.

01:02:14.300 So I'm

01:02:14.500 going to

01:02:14.580 check,

01:02:14.860 and when

01:02:15.000 you all

01:02:15.160 explain it

01:02:15.520 to him?

01:02:20.080 Bro's

01:02:20.420 new here.

01:02:22.280 Ah,

01:02:22.420 boys,

01:02:22.800 do you

01:02:23.040 recommend

01:02:23.280 having an

01:02:23.680 Amex

01:02:23.940 gold card?

01:02:24.600 I want

01:02:24.920 another

01:02:25.300 credit card

01:02:26.340 in my

01:02:26.580 portfolio.

01:02:27.940 I already

01:02:28.300 have the

01:02:28.540 platinum,

01:02:28.820 but it's

01:02:29.000 a business

01:02:29.200 card.

01:02:29.420 Yeah,

01:02:29.720 the gold

01:02:30.000 is good.

01:02:30.300 once I

01:02:32.580 get better

01:02:32.860 cards,

01:02:33.180 what do

01:02:33.440 I do

01:02:34.060 with the 0.60

01:02:34.440 crappy 0.90

01:02:34.700 ones

01:02:35.000 that I

01:02:36.200 pay off

01:02:36.520 as a

01:02:36.820 high

01:02:36.920 monthly

01:02:37.120 interest?

01:02:37.800 Keep

01:02:38.120 them open.

01:02:39.360 Keep

01:02:39.500 them open.

01:02:40.580 Always,

01:02:41.180 so pro tip

01:02:42.180 guys,

01:02:42.720 let's say

01:02:43.040 you have

01:02:43.300 an old

01:02:43.780 credit card

01:02:44.300 that isn't

01:02:46.720 that good

01:02:47.000 anymore or

01:02:47.480 you don't

01:02:47.700 use it or

01:02:48.180 doesn't give

01:02:48.500 you any

01:02:48.720 benefit.

01:02:49.440 Always keep

01:02:49.980 your oldest

01:02:50.340 credit line

01:02:50.740 open because

01:02:51.800 credit line

01:02:52.500 history and

01:02:53.180 length does

01:02:53.880 matter.

01:02:54.700 Like right

01:02:55.020 now,

01:02:55.220 I'll give

01:02:55.340 you an 0.64

01:02:55.480 example.

01:02:55.760 for

01:03:01.420 example,

01:03:02.500 I have

01:03:03.200 a Capital

01:03:05.400 One card

01:03:05.960 that charges

01:03:06.760 me like

01:03:07.140 $30 a

01:03:08.080 year,

01:03:08.880 right?

01:03:09.460 Card 1.00

01:03:09.800 sucks, 0.99

01:03:10.400 but I've 0.97

01:03:10.660 had it since

01:03:11.020 I was

01:03:11.220 like 17.

01:03:12.600 So I

01:03:13.160 won't close

01:03:13.560 it because

01:03:13.880 it's a

01:03:14.460 big part

01:03:14.820 of my

01:03:15.120 credit

01:03:15.480 history.

01:03:16.540 So I

01:03:16.700 just,

01:03:17.080 you know,

01:03:17.760 bite the 0.99

01:03:18.180 bullet and 1.00

01:03:19.740 pay that

01:03:20.360 annual fee.

01:03:21.160 If I had to

01:03:21.520 do it again,

01:03:22.300 your first

01:03:22.620 credit card

01:03:23.000 guys,

01:03:23.280 make sure

01:03:23.520 there's no

01:03:23.840 annual fee.

01:03:24.320 All right?

01:03:25.800 And then

01:03:25.980 keep it

01:03:26.220 open.

01:03:26.860 So try to

01:03:27.440 refrain from

01:03:27.860 closing credit

01:03:28.320 cards if

01:03:28.800 you can,

01:03:29.240 especially

01:03:29.540 old lines.

01:03:33.360 Options

01:03:33.760 says,

01:03:34.240 I'm 30,

01:03:34.780 have an

01:03:34.960 excellent credit

01:03:35.320 score over

01:03:35.760 a year's

01:03:36.120 worth in

01:03:36.500 monthly expenses

01:03:37.060 saved,

01:03:37.420 lived in

01:03:37.640 LA,

01:03:37.920 but want

01:03:38.220 to get

01:03:38.880 rental property

01:03:39.420 in different

01:03:39.740 states.

01:03:40.140 I've never

01:03:41.060 taken a

01:03:41.520 personal loan

01:03:42.040 for a

01:03:42.560 home,

01:03:42.800 but I

01:03:43.420 want to

01:03:43.700 take a

01:03:43.940 loan as

01:03:44.200 a business.

01:03:44.860 Should I

01:03:45.300 aim to

01:03:45.500 get an

01:03:45.700 LLC

01:03:45.880 first?

01:03:46.220 Not

01:03:46.340 sure what

01:03:46.680 my

01:03:46.840 first step

01:03:47.200 should

01:03:47.300 be.

01:03:49.100 Purchase

01:03:49.460 a

01:03:49.580 home.

01:03:51.020 Once you

01:03:51.480 have it

01:03:51.820 buy it

01:03:53.460 and have

01:03:53.800 it good

01:03:54.280 to go,

01:03:54.720 then you

01:03:54.920 can create

01:03:55.240 an LLC

01:03:55.540 later for

01:03:56.040 it.

01:03:57.340 Northern

01:03:57.640 Noticer.

01:03:58.100 Hey,

01:03:58.280 Myron,

01:03:58.660 can't catch

01:03:59.620 this live

01:04:00.080 due to

01:04:00.420 work,

01:04:00.800 but I'm

01:04:01.060 going to

01:04:01.260 watch this

01:04:01.600 back.

01:04:02.180 What

01:04:02.280 business

01:04:02.480 credit card

01:04:02.880 would you

01:04:03.140 recommend

01:04:03.460 for a

01:04:03.720 start-up

01:04:03.940 business

01:04:04.240 slash

01:04:04.780 new

01:04:04.940 business

01:04:05.120 owner?

01:04:05.380 I have

01:04:05.480 an

01:04:05.560 A17

01:04:05.900 credit

01:04:06.100 score.

01:04:06.800 I'm

01:04:06.980 in

01:04:07.060 Canada.

01:04:07.860 If

01:04:08.020 you

01:04:08.100 can

01:04:08.240 think

01:04:08.440 of

01:04:08.560 anything

01:04:08.820 on

01:04:09.000 the

01:04:09.080 spot,

01:04:09.320 no

01:04:09.420 worries.

01:04:09.720 Thanks

01:04:09.920 for

01:04:10.020 all

01:04:10.100 you

01:04:10.180 do.

01:04:10.300 Yeah,

01:04:10.800 I

01:04:10.840 mean,

01:04:11.020 you can

01:04:11.480 just

01:04:11.600 get

01:04:11.740 an

01:04:11.840 Amex

01:04:12.080 platinum,

01:04:12.360 bro.

01:04:13.060 You

01:04:13.180 got

01:04:13.300 an

01:04:13.400 A17,

01:04:13.840 you

01:04:13.880 got a

01:04:15.440 good

01:04:15.880 credit

01:04:16.200 score.

01:04:16.580 Get

01:04:16.680 an

01:04:17.060 Amex.

01:04:19.800 Northern

01:04:20.180 Noticer.

01:04:22.000 Okay,

01:04:22.460 yep,

01:04:22.640 we got

01:04:22.920 that one.

01:04:24.540 Lonick

01:04:24.800 says,

01:04:25.080 I was a

01:04:25.340 drug addict, 0.78

01:04:26.360 alcoholic,

01:04:26.860 did not

01:04:27.100 pay taxes

01:04:27.520 for over

01:04:27.800 10 years.

01:04:28.580 You were

01:04:28.800 the one

01:04:29.020 who got

01:04:29.280 me

01:04:29.600 through

01:04:30.320 to be

01:04:31.240 a man.

01:04:31.680 I have

01:04:31.860 a tax

01:04:32.220 lawyer and

01:04:32.900 am

01:04:33.040 working

01:04:33.320 myself

01:04:33.820 back.

01:04:34.180 Thank

01:04:34.320 you.

01:04:35.280 Lonick

01:04:35.520 77,

01:04:36.080 I

01:04:36.180 appreciate

01:04:36.440 that,

01:04:36.780 dude.

01:04:37.420 I'm glad

01:04:38.040 that you

01:04:40.300 dropped

01:04:40.600 the drug

01:04:41.660 use,

01:04:41.920 bro.

01:04:42.040 That's

01:04:42.380 awesome.

01:04:43.880 An

01:04:44.060 enormous

01:04:44.340 amount

01:04:44.600 of

01:04:44.720 respect

01:04:44.940 for

01:04:45.120 anyone

01:04:45.340 that

01:04:45.540 kicks

01:04:45.760 a

01:04:46.420 drug

01:04:46.600 habit,

01:04:46.900 man.

01:04:47.900 Congrats,

01:04:48.380 bro.

01:04:48.520 That's

01:04:48.840 a big

01:04:49.180 deal.

01:04:50.280 Pat

01:04:50.420 yourself

01:04:50.600 on the

01:04:50.880 back

01:04:51.040 because

01:04:51.160 most

01:04:51.340 people

01:04:51.500 don't

01:04:51.680 make it

01:04:51.940 to the

01:04:52.140 other

01:04:52.260 side

01:04:52.580 of

01:04:53.140 the

01:04:53.240 abyss

01:04:53.480 on

01:04:53.620 that.

01:04:53.980 So

01:04:54.100 that

01:04:54.920 in

01:04:55.040 itself

01:04:55.340 is

01:04:55.600 huge.

01:04:56.800 And

01:04:56.860 I

01:04:56.960 appreciate

01:04:57.240 that I

01:04:57.500 was able

01:04:57.700 to help

01:04:58.080 contribute

01:04:58.360 to

01:04:58.540 that.

01:04:59.520 It's

01:04:59.620 what I

01:04:59.840 do

01:04:59.980 what I

01:05:00.160 do,

01:05:00.380 man.

01:05:01.060 Why

01:05:01.260 I

01:05:01.380 do

01:05:01.480 what

01:05:01.560 I

01:05:01.660 do.

01:05:02.440 Thanks

01:05:02.660 for

01:05:02.920 helping

01:05:03.020 me

01:05:03.120 bring

01:05:03.260 my

01:05:03.400 credit

01:05:03.600 for

01:05:03.760 $647

01:05:04.280 to $740.

01:05:04.960 Awesome.

01:05:05.380 Good

01:05:05.500 stuff,

01:05:05.840 Louis.

01:05:06.780 Under what

01:05:07.500 circumstances

01:05:07.920 should we

01:05:08.440 get an

01:05:08.680 Amex gold

01:05:09.160 card?

01:05:11.560 I

01:05:11.920 mean,

01:05:12.140 bro,

01:05:12.420 look,

01:05:13.500 if you

01:05:14.020 got a

01:05:14.660 platinum,

01:05:15.540 right,

01:05:16.360 you don't

01:05:16.600 really need

01:05:16.920 a gold,

01:05:18.560 but if

01:05:19.340 you don't

01:05:19.540 like,

01:05:19.860 because the

01:05:20.140 platinum has

01:05:20.540 a very

01:05:20.780 high annual

01:05:21.320 fee,

01:05:21.820 it's like

01:05:22.060 $700 or

01:05:22.440 $800 or

01:05:23.060 something wild

01:05:23.440 like that,

01:05:23.800 I forget,

01:05:25.080 right,

01:05:25.300 but that's

01:05:25.600 because of

01:05:25.940 all the

01:05:26.160 perks.

01:05:26.840 You can

01:05:27.040 go ahead

01:05:27.260 and get

01:05:27.440 a gold

01:05:27.820 if you

01:05:29.060 want to

01:05:29.640 pay a

01:05:29.880 lower

01:05:30.180 annual

01:05:30.460 fee.

01:05:32.240 Big

01:05:32.600 boss,

01:05:32.860 take your

01:05:33.100 mom.

01:05:33.760 I have

01:05:34.200 an old

01:05:34.380 business

01:05:34.620 credit card.

01:05:35.460 I say

01:05:35.820 old business

01:05:36.840 credit card

01:05:37.320 because my

01:05:37.680 home cleaning

01:05:38.200 business

01:05:38.520 failed.

01:05:38.860 I just

01:05:39.040 paid it

01:05:39.300 off.

01:05:39.820 Should I

01:05:40.020 cancel

01:05:40.220 it or

01:05:40.380 keep it?

01:05:41.300 Keep it.

01:05:42.980 Keep it.

01:05:43.520 You never

01:05:43.760 know.

01:05:46.720 Because

01:05:47.080 it'll,

01:05:47.460 you know,

01:05:47.720 just don't

01:05:47.980 use it.

01:05:49.560 Options.

01:05:50.040 The value

01:05:50.420 on the

01:05:50.720 Money Mondays

01:05:51.220 is absolutely

01:05:51.720 underrated.

01:05:52.440 After Hours

01:05:52.840 is funny,

01:05:53.220 entertaining,

01:05:53.600 but this

01:05:54.080 part is

01:05:54.320 1,000%

01:05:55.140 more

01:05:55.420 worthwhile.

01:05:56.240 You're

01:05:56.340 not a

01:05:56.540 regular

01:05:56.740 YouTuber.

01:05:57.160 Much

01:05:57.320 respect,

01:05:57.720 big

01:05:57.840 bro.

01:05:58.220 Hey,

01:05:58.440 man,

01:05:58.720 I

01:05:58.900 appreciate

01:05:59.140 that,

01:05:59.440 bro.

01:06:00.080 I

01:06:00.200 really

01:06:00.360 do,

01:06:00.620 man.

01:06:02.000 Yeah,

01:06:02.460 I mean,

01:06:03.400 honestly,

01:06:03.860 man,

01:06:04.020 I've made

01:06:04.380 a bunch

01:06:04.660 of mistakes,

01:06:05.180 so I try

01:06:05.540 to tell

01:06:05.780 you guys

01:06:06.140 what to

01:06:06.420 do so

01:06:06.660 you guys

01:06:06.900 don't

01:06:07.020 make

01:06:07.180 the same

01:06:07.460 mistakes

01:06:07.760 I

01:06:07.960 do,

01:06:08.200 man.

01:06:09.380 So I've

01:06:10.120 already

01:06:10.320 kind of

01:06:10.740 been through

01:06:11.140 some of

01:06:11.380 the BS,

01:06:11.880 man.

01:06:12.120 So anything

01:06:12.840 that helps

01:06:13.220 you guys

01:06:13.500 out.

01:06:13.720 So I

01:06:13.860 appreciate

01:06:14.120 that,

01:06:14.440 man.

01:06:15.060 I

01:06:15.200 appreciate

01:06:15.500 that.

01:06:16.700 Men and

01:06:17.060 women sell 1.00

01:06:17.460 dreams in

01:06:17.820 different ways.

01:06:18.320 Women sell 1.00

01:06:18.640 the dream of

01:06:19.020 purity and

01:06:19.320 men sell

01:06:19.600 the dream

01:06:19.840 of security.

01:06:20.340 Absolutely.

01:06:21.180 Mario,

01:06:21.340 I can't

01:06:21.520 thank you

01:06:21.760 enough,

01:06:21.980 man.

01:06:22.140 Locked in 0.94

01:06:22.460 a 120K

01:06:23.220 a year job

01:06:23.760 because of

01:06:24.060 you and

01:06:24.240 got my

01:06:24.500 credit from

01:06:24.860 603 to

01:06:25.380 748.

01:06:26.160 Love from

01:06:27.640 SD.

01:06:28.240 Shout out

01:06:28.540 to you,

01:06:29.160 Jaden.

01:06:31.480 Shout out

01:06:31.940 to you,

01:06:32.200 man.

01:06:32.320 Jaden Pauley.

01:06:33.560 Congratulations,

01:06:34.040 dude.

01:06:34.100 That's a

01:06:34.380 big deal.

01:06:35.080 You're a

01:06:35.260 six-figure

01:06:35.580 earner with

01:06:37.100 a 750 credit

01:06:37.800 score.

01:06:38.060 Pretty much

01:06:38.380 you're killing 1.00

01:06:38.860 it, 1.00

01:06:39.060 man.

01:06:39.580 Keep

01:06:39.740 going.

01:06:40.920 Ben says,

01:06:41.560 thank you,

01:06:42.020 Mark,

01:06:42.120 for sharing

01:06:42.380 such valuable

01:06:42.840 guidance on

01:06:43.300 buying a

01:06:43.640 home as

01:06:43.980 a first-time

01:06:44.400 buyer.

01:06:45.220 Two years

01:06:45.640 ago,

01:06:45.820 I purchased

01:06:46.120 my first

01:06:46.500 property

01:06:46.760 using your

01:06:47.120 advice,

01:06:47.520 and now

01:06:47.800 I'm a

01:06:48.020 year into

01:06:48.860 fully renting

01:06:49.460 it out.

01:06:49.980 I'm incredibly

01:06:50.380 grateful for

01:06:51.140 the foundation

01:06:51.620 to help me

01:06:51.960 build.

01:06:52.240 Now I'm

01:06:52.500 preparing to

01:06:53.000 lock in

01:06:53.420 my second

01:06:54.140 rental at

01:06:54.480 25.

01:06:54.860 Truly

01:06:55.020 appreciate

01:06:55.320 the knowledge

01:06:55.640 you share.

01:06:56.100 Hey,

01:06:56.300 bro,

01:06:56.680 that's awesome.

01:06:58.080 For you to

01:06:58.300 have a property

01:06:58.800 already at

01:06:59.120 25,

01:06:59.600 dude,

01:06:59.760 you're ahead

01:07:00.280 of me.

01:07:01.280 So keep 1.00

01:07:01.660 killing it. 1.00

01:07:02.120 That's 1.00

01:07:02.320 awesome.

01:07:09.740 You guys

01:07:19.220 are not

01:07:19.480 alone,

01:07:19.840 man.

01:07:20.600 You are

01:07:20.840 not

01:07:21.000 alone.

01:07:22.740 Lugo

01:07:23.140 Rep,

01:07:23.460 38 years

01:07:23.880 old,

01:07:24.140 watch you

01:07:24.440 since early

01:07:24.840 2020 with

01:07:25.600 K.

01:07:25.840 Samuels

01:07:26.120 and Rolo.

01:07:27.020 I used

01:07:27.580 to watch

01:07:27.960 with my

01:07:28.360 older brother,

01:07:29.020 but unfortunately

01:07:29.540 he's taking a

01:07:30.240 turn for the

01:07:30.600 worse with

01:07:30.920 degenerative

01:07:31.280 behavior like

01:07:31.780 drugs not

01:07:32.140 keeping a

01:07:32.560 consistent

01:07:32.840 income and

01:07:33.260 borrowing

01:07:33.480 from family

01:07:34.340 to make

01:07:34.620 ends meet.

01:07:35.400 I noticed

01:07:35.660 he hasn't

01:07:35.980 wanted to

01:07:37.200 watch your

01:07:37.680 material,

01:07:38.480 even attempted

01:07:38.960 to discourage

01:07:39.520 me from

01:07:39.820 watching.

01:07:41.020 Through the

01:07:41.520 ups and

01:07:41.860 downs that

01:07:42.320 I have

01:07:42.620 gone through,

01:07:43.260 I've seen

01:07:43.600 a different

01:07:44.000 I've seen

01:07:45.680 a different

01:07:46.000 Thank you

01:07:46.860 for always

01:07:47.100 being a

01:07:47.400 consistent

01:07:47.580 role model.

01:07:48.020 I appreciate

01:07:48.360 that,

01:07:48.640 man.

01:07:49.100 I appreciate

01:07:49.480 that and

01:07:49.800 hopefully your

01:07:50.220 brother is

01:07:50.680 able to

01:07:51.060 pick himself

01:07:51.780 up from

01:07:53.460 where he's

01:07:53.760 at,

01:07:53.980 man.

01:07:55.060 Yeah,

01:07:55.500 a lot of

01:07:55.860 guys don't

01:07:56.160 like watching

01:07:56.560 me when

01:07:57.980 they're doing

01:07:58.300 bad because

01:07:58.800 I kind of

01:07:59.200 give them a

01:07:59.500 reminder that

01:07:59.960 it's their

01:08:00.260 fault of 1.00

01:08:00.540 their losers. 1.00

01:08:01.100 So, 0.99

01:08:01.340 you know,

01:08:01.700 people don't

01:08:02.120 like to feel

01:08:02.580 uncomfortable,

01:08:03.060 man,

01:08:03.840 and get that

01:08:04.340 spotlight shined

01:08:05.020 on them.

01:08:05.340 Jack says

01:08:07.020 about 20K in

01:08:07.980 debt between

01:08:08.280 credit cards

01:08:08.780 and a loan

01:08:09.080 I took to

01:08:09.480 pay off the

01:08:09.840 depreciation of

01:08:10.500 my car.

01:08:11.700 Discovered you

01:08:12.120 all too late

01:08:12.460 before the

01:08:12.800 car up so

01:08:13.140 were fresh.

01:08:13.880 Should I

01:08:14.080 take more

01:08:14.460 of a loan

01:08:14.900 out to get

01:08:16.120 my credit

01:08:16.480 cards down?

01:08:17.740 No.

01:08:18.560 No,

01:08:18.900 you don't

01:08:19.100 want to

01:08:19.420 take on

01:08:20.160 more debt

01:08:20.640 to pay

01:08:21.080 debt.

01:08:22.860 I would

01:08:23.740 say,

01:08:23.940 bro,

01:08:24.140 you're going

01:08:24.400 to just

01:08:24.580 have to

01:08:24.800 work more

01:08:25.060 hours and

01:08:25.320 make more

01:08:25.560 money.

01:08:26.420 This is an

01:08:27.140 earning problem.

01:08:28.960 Got to

01:08:29.360 make more

01:08:29.620 money.

01:08:30.920 Now,

01:08:31.440 let me be

01:08:31.860 clear about

01:08:32.240 this.

01:08:33.080 You're not

01:08:33.540 going to have

01:08:33.800 a social life

01:08:35.340 to do

01:08:35.520 this.

01:08:36.440 Let me be

01:08:36.680 explicitly

01:08:37.000 clear about

01:08:37.400 that.

01:08:37.560 You're going

01:08:37.700 to pick up

01:08:37.960 a second

01:08:38.220 job,

01:08:38.540 third job,

01:08:38.940 whatever it

01:08:39.240 is,

01:08:40.360 and it's

01:08:40.640 going to 0.97

01:08:40.860 suck, 1.00

01:08:41.660 but you're 1.00

01:08:43.880 going to

01:08:43.980 need to

01:08:44.180 do that.

01:08:46.060 Okay?

01:08:49.220 Hello,

01:08:49.620 a similar

01:08:50.000 thing happened

01:08:50.520 to me.

01:08:50.860 Charges from

01:08:51.240 an apartment

01:08:51.580 from five

01:08:51.980 years ago.

01:08:52.420 Went to

01:08:52.620 collections

01:08:52.900 due to

01:08:53.220 bad roommate

01:08:53.640 at the

01:08:53.940 time.

01:08:54.580 Dropped my

01:08:54.860 score from

01:08:55.220 830 to

01:08:55.680 710.

01:08:56.500 Fought the

01:08:56.780 case of

01:08:57.040 a lawyer and

01:08:57.380 went against

01:08:57.780 all three

01:08:58.200 bureaus.

01:08:58.520 Never let

01:08:58.820 collections

01:08:59.120 hit your

01:08:59.380 account.

01:08:59.680 Yeah,

01:08:59.820 dude,

01:09:00.020 don't do

01:09:05.340 and through

01:09:05.580 every time

01:09:05.980 I tell him

01:09:06.320 something,

01:09:06.620 he thinks

01:09:06.880 I'm aggressive.

01:09:07.360 What should

01:09:07.540 I do?

01:09:08.360 He's going

01:09:08.680 to have to

01:09:08.900 learn the

01:09:09.080 hard way,

01:09:09.400 bro.

01:09:09.640 Get his 1.00

01:09:09.880 hand burned 0.98

01:09:10.200 on the

01:09:10.400 stove.

01:09:12.740 What's the

01:09:13.140 best cashback

01:09:13.680 and travel

01:09:13.980 credit card

01:09:14.400 to get?

01:09:15.020 Just get the

01:09:15.540 city double

01:09:15.900 cash.

01:09:16.260 They're not

01:09:16.440 paying me to

01:09:16.760 tell you

01:09:16.960 that.

01:09:17.500 That's a

01:09:17.800 simple one.

01:09:18.600 And then you

01:09:18.860 could get

01:09:19.180 for a travel

01:09:19.820 credit card

01:09:20.260 that isn't

01:09:20.580 too crazy.

01:09:21.480 You could

01:09:21.840 get a

01:09:22.180 Capital One

01:09:22.580 Venture.

01:09:23.920 Capital One

01:09:24.380 Venture.

01:09:24.940 Annual fee

01:09:25.420 won't be too

01:09:25.760 bad.

01:09:26.460 How should I

01:09:26.740 best utilize a

01:09:27.280 high tax refund

01:09:35.340 absolutely.

01:09:36.100 Alejandro

01:09:36.460 Ramirez,

01:09:36.820 YouTuber

01:09:37.780 Patrick CC

01:09:38.400 has made a

01:09:38.960 video about

01:09:39.700 your beef with

01:09:40.140 Akash.

01:09:40.500 It's a good

01:09:40.760 watch.

01:09:41.780 I don't know

01:09:42.400 who Patrick

01:09:42.720 CC is.

01:09:44.240 Never heard

01:09:44.820 of him.

01:09:48.440 But Akash

01:09:49.360 got cooked.

01:09:52.160 Definitely

01:09:52.560 got cooked,

01:09:53.160 man.

01:09:53.440 This stand-up

01:09:53.940 comedian is

01:09:55.380 being humiliated.

01:09:56.820 Oh,

01:09:57.200 I've seen this

01:09:57.860 guy before.

01:09:58.340 Okay,

01:09:58.480 I know who

01:09:58.700 you're talking

01:09:58.880 about.

01:09:59.020 He's like one

01:09:59.320 of these

01:09:59.480 voiceover

01:09:59.840 channels.

01:10:02.100 TPC Films

01:10:02.880 are all

01:10:04.720 these amazing

01:10:05.220 positive

01:10:05.540 testimonials

01:10:06.000 towards you,

01:10:06.720 but your

01:10:07.020 office will

01:10:07.300 never clip

01:10:07.660 this.

01:10:08.200 Absolutely.

01:10:09.420 Hussein

01:10:09.640 Usman,

01:10:10.080 hey,

01:10:10.340 what advice

01:10:10.720 do you

01:10:10.880 have to

01:10:11.940 an

01:10:12.060 international

01:10:12.400 student that

01:10:12.820 can only

01:10:13.120 legally work

01:10:13.620 on campus?

01:10:14.360 Save up

01:10:14.620 all your

01:10:14.840 money.

01:10:15.680 Save

01:10:15.880 all your

01:10:16.160 money and

01:10:16.400 pick up

01:10:16.640 as many

01:10:16.900 hours as

01:10:17.200 you can.

01:10:18.300 Cash

01:10:18.580 says,

01:10:20.120 take on

01:10:21.020 another job,

01:10:21.700 no more

01:10:21.960 debt.

01:10:22.260 Absolutely,

01:10:22.640 bro.

01:10:23.940 Absolutely.

01:10:24.880 Okay,

01:10:25.220 cool.

01:10:25.980 So,

01:10:26.340 guys,

01:10:26.820 I'm going 1.00

01:10:27.000 to kill 1.00

01:10:27.340 the fresh

01:10:27.740 fit stream,

01:10:28.840 and we're

01:10:29.540 going to

01:10:29.720 start getting

01:10:30.140 into the

01:10:32.200 political

01:10:33.700 stuff now.

01:10:34.240 Okay,

01:10:35.100 we're going

01:10:35.300 to cover

01:10:35.500 some of the

01:10:35.760 political

01:10:35.940 stuff.

01:10:36.240 We're going

01:10:36.340 to talk

01:10:36.500 about the

01:10:36.720 Australian

01:10:37.020 shooting,

01:10:37.640 and we're

01:10:37.840 also going

01:10:38.120 to talk

01:10:38.360 about the

01:10:38.940 Rob

01:10:40.620 Rainer murder.

01:10:42.160 Okay,

01:10:42.960 so I am

01:10:43.480 going to end

01:10:44.160 the fresh

01:10:44.460 fit stream

01:10:44.840 here.

01:10:45.360 If you guys

01:10:46.000 want,

01:10:46.400 come on

01:10:46.660 over to

01:10:47.240 Myron Gaines X

01:10:47.960 on both

01:10:48.300 Rumble,

01:10:48.620 YouTube,

01:10:48.980 Kick.

01:10:49.140 I'm live 0.80

01:10:49.420 everywhere right

01:10:49.920 now.

01:10:50.500 So whatever

01:10:50.760 platform you

01:10:51.260 guys prefer,

01:10:52.360 come on over

01:10:52.800 if you're

01:10:52.980 watching on

01:10:53.320 Fresh and Fit,

01:10:53.820 but I am

01:10:54.200 going to end

01:10:54.660 the Fresh

01:10:55.380 and Fit

01:10:55.600 stream here

01:10:56.580 on both

01:10:57.280 Rumble

01:10:57.560 and YouTube.

01:10:59.020 Castle Club,

01:10:59.560 I'll keep

01:10:59.780 y'all up

01:11:00.160 because you

01:11:01.000 guys are my

01:11:01.320 ninjas,

01:11:02.000 but Rumble

01:11:03.200 and YouTube

01:11:04.500 killing it 0.65

01:11:05.380 right now, 1.00

01:11:05.720 guys,

01:11:06.420 come on over

01:11:07.040 or at least

01:11:08.260 I'm going 1.00

01:11:08.420 to kill 1.00

01:11:08.600 the YouTube 0.99

01:11:09.020 for Fresh

01:11:09.600 and Fit.

01:11:10.580 Maybe I'll,

01:11:11.100 yeah,

01:11:11.280 I'm going to 1.00

01:11:11.560 kill Rumble 0.99

01:11:12.260 and Fresh 0.57

01:11:12.700 Fit because

01:11:13.060 they need

01:11:13.600 to make

01:11:13.780 an event.

01:11:14.440 So going

01:11:15.860 on for Fresh

01:11:16.280 Fit,

01:11:16.440 guys,

01:11:16.700 come on

01:11:17.020 over to

01:11:17.680 Myron Gaines X

01:11:18.360 on all

01:11:18.560 platforms,

01:11:18.920 okay? 0.99

01:11:19.720 So killing 0.92

01:11:20.280 the Fresh

01:11:20.660 Fit YouTube

01:11:21.080 now,

01:11:22.560 and then I'm

01:11:23.520 going to do

01:11:23.800 the Fresh

01:11:24.100 Fit Rumble

01:11:24.420 now.

01:11:24.820 Okay.

01:11:30.140 Let me

01:11:30.680 double check

01:11:31.340 that we're

01:11:31.700 good.

01:11:47.700 Maybe I'll,

01:11:48.480 yeah,

01:11:48.680 I'm going to,

01:11:49.020 yeah,

01:11:49.180 okay,

01:11:50.100 I think,

01:11:50.540 I think

01:11:52.540 it's done

01:11:52.880 now.

01:11:54.820 Let me

01:12:01.220 just double

01:12:01.640 check I'm

01:12:02.200 off stream

01:12:02.780 on Fresh

01:12:03.180 and Fit.

01:12:17.800 Okay.

01:12:20.280 Let me

01:12:20.860 see.

01:12:21.480 Okay,

01:12:22.020 let's get

01:12:22.480 into

01:12:23.200 I had some

01:12:26.040 red pill

01:12:26.340 stuff I

01:12:26.620 wanted to

01:12:26.840 share with

01:12:27.100 you guys,

01:12:27.400 but I

01:12:27.560 don't think

01:12:27.800 we're going

01:12:28.020 to have

01:12:28.200 time for

01:12:28.640 it.

01:12:29.640 So I'll

01:12:30.160 just go

01:12:30.480 ahead and

01:12:30.760 just,

01:12:31.040 we'll go

01:12:31.600 straight into

01:12:32.860 some of

01:12:36.000 the political

01:12:36.400 stuff.

01:12:47.780 Hold on one

01:12:48.340 sec,

01:12:48.500 guys.

01:12:49.800 I might

01:12:50.280 need Mo

01:12:50.800 to turn off

01:12:51.620 the stream.

01:12:51.880 Give me one

01:12:52.080 sec.

01:12:52.220 Thank you.

01:13:04.960 You

01:13:11.680 You

01:13:13.900 see,

01:13:14.440 you

01:13:16.840 Thank you.

01:13:46.840 Thank you.

01:14:16.840 All right.

01:14:22.320 Sorry about that, guys.

01:14:24.480 Okay.

01:14:25.400 Now we're going to transition.

01:14:26.760 We are going to talk about the Robert Norman Rayner, okay, real fast.

01:14:37.440 So, who is he?

01:14:46.080 Here he is.

01:14:49.600 Hold on.

01:14:50.180 Let me get the...

01:14:51.260 Okay.

01:14:51.760 Now we got the chat back up.

01:14:52.740 All right.

01:14:53.020 Now we're cooking chat.

01:14:53.780 Now we are...

01:14:56.180 We are...

01:14:57.920 We are so back.

01:14:58.860 Okay.

01:15:16.860 Okay.

01:15:21.120 Okay.

01:15:26.020 Okay.

01:15:26.680 So, here he is, guys.

01:15:28.360 He was an American film director, producer, screenwriter, actor, and political activist.

01:15:31.600 He began his career as an actor before transition in filmmaking, directing a series of acclaimed American studio films across multiple genres.

01:15:38.260 Okay.

01:15:38.600 So, very esteemed director.

01:15:43.020 And, yes, if you're wondering, yes, every single time, of course.

01:15:46.840 Every single time.

01:15:48.160 But, anyway, here's the breaking news.

01:15:51.860 We'll cover it.

01:15:52.560 ...is out of Los Angeles from the deaths of Rob and Michelle Reiner.

01:15:55.800 I want to get back to Stephanie Elam.

01:15:58.680 What are you learning, Stephanie?

01:16:01.980 Pamela, we have a big development here now.

01:16:04.280 We can tell you that Nick Reiner, the 32-year-old son of Rob and Michelle Reiner, has been booked into a Los Angeles jail that happened on Monday, happened today, after his parents were found dead.

01:16:17.520 Now, what is worth noting here is that it doesn't exactly say what he's charged with, but we do know that his bail has been set at $4 million, according to these jail records that we are seeing here, but still not clear on what has happened here.

01:16:36.080 And family members are continuing to be interviewed as this investigation continues.

01:16:40.700 But, obviously, this is a very large development here, that there has been an arrest booking into jail for this case, for the deaths of Rob and Michelle Reiner.

01:16:52.700 And now learning that the person that who has been booked into jail is their 32-year-old son.

01:16:59.900 Yeah.

01:17:00.240 Absolutely nuts.

01:17:01.180 That's an amazing development, indeed.

01:17:05.020 I want to bring in our chief media analyst, Brian Stelter, who's joining us right now.

01:17:09.060 Now, typically, guys, whenever homicides occur, right, the spouse is almost always the first, you know, is always the first person that the police suspect.

01:17:22.120 But the fact that it's the son makes it even stranger.

01:17:30.200 So, absolutely crazy stuff, man.

01:17:35.620 Development.

01:17:36.600 I must say, Rob Reiner was such a major presence in Hollywood all of these years.

01:17:42.360 But give us your reaction to what the breaking news is.

01:17:45.160 That's right, and Rob and Michelle Reiner had three children, two sons and one daughter.

01:17:52.020 They were most recently photographed together, all as a family, on the red carpet for the family's newest movie.

01:17:59.500 Rob and Michelle had both worked on, Rob had directed a sequel to This Is Spinal Tap.

01:18:05.200 So, they were out there being photographed in September, all together as a family.

01:18:10.100 But it's going to obviously come up right away that Nick Reiner struggled for many years with drug abuse.

01:18:18.660 He was homeless for a time.

01:18:20.820 And that's something that Rob Reiner spoke about and was public about and was transparent about.

01:18:25.060 In fact, the two men worked on a film together about 10 years ago.

01:18:29.100 The film was titled Being Charlie, and it was loosely based on his son Nick's experiences earlier in life.

01:18:36.240 Nick Reiner did not end up getting other screenwriting credits later.

01:18:40.100 But they did come together for that collaboration about a decade ago.

01:18:43.460 And Rob Reiner spoke very eloquently about learning about his son, about learning about Nick's struggles through that filmmaking.

01:18:50.600 You know, this is why, guys, I tell you all the time, I truly do believe that one of the worst things that could happen for you as a man is coming from a rich family, dude.

01:19:02.440 So, controversial take, very controversial take, but young men should not grow up wealthy, dude, at all, at all.

01:19:14.740 You get to, you know, experience all the benefits, right, of being a man with none of the work. 0.99

01:19:22.900 And it makes you an incredibly entitled, petulant, spoiled fucking brat that has no real appreciation for anything. 0.99

01:19:31.700 Right? 1.00

01:19:32.640 I got a little bit of criticism the other day because I mentioned how, you know, Kaysenat is like a pussy. 1.00

01:19:40.840 And because he went up, right, when he accepted an award and he said something about, like, hey, man, focus on your mental health, blah, blah, blah. 0.98

01:19:52.460 Which, I understand the importance, right, to have mental health awareness for men, but he was referring it from the position of, like, being a streamer, right? 0.97

01:20:08.480 And, quite frankly, I think if you have the privilege, keyword privilege, of making money on the internet to talk into a camera and a microphone, you should shut the fuck up and never complain about anything. 0.96

01:20:26.020 But that's me, though, right? 0.96

01:20:32.660 The only way you're going to appreciate up is if you've been down.

01:20:36.260 The only way you're going to appreciate life is if you've been in the dark.

01:20:40.340 And, unfortunately, with this new generation of men, what I've realized is a lot of these guys don't want to be, you know, traditional masculine men.

01:20:50.240 They want to be guys that, like, you know, oh, I want to be a streamer.

01:20:52.660 I want clout.

01:20:53.200 I want to be, you know, an influencer. 0.54

01:20:55.760 And it's very strange to me because, you know, I don't want to sound like these old niggas, right? 1.00

01:21:00.160 But the truth is, is, like, you know, me growing up, we used to be like, hey, I want to be a doctor.

01:21:04.660 I want to be an astronaut.

01:21:05.240 I want to be, you know, you know, a police officer, a firefighter, whatever.

01:21:10.420 I've realized that, like, with these young guys, none of them have these aspirations anymore.

01:21:16.420 You know?

01:21:17.480 This is something that I've noticed only with, like, these young guys where everyone wants to be an influencer.

01:21:23.820 And I'm like, what the hell?

01:21:26.060 Who are you going to influence? 0.81

01:21:27.240 What experience do you have to influence anyone?

01:21:30.580 Right? 0.99

01:21:30.940 And it shows because a lot of these, like, you know, super young streamers, they make dumb content. 0.95

01:21:35.120 They don't do anything that actually adds value. 1.00

01:21:36.540 It's just a bunch of fucking mind rot. 1.00

01:21:38.720 Right? 1.00

01:21:39.040 Because they don't have the prerequisite experience to teach you anything.

01:21:40.900 If they're not teaching you anything, what is this?

01:21:42.260 It's a waste of time.

01:21:43.660 It's a big waste of time.

01:21:45.820 Right?

01:21:46.100 Now, with that said, I'm not saying be, like, a weirdo and not be entertaining and stuff.

01:21:50.220 Absolutely be entertaining.

01:21:51.140 I get it.

01:21:52.080 But I also think it's important for people to know that your value as a man is based on the things you've overcome.

01:22:04.800 So, anyway.

01:22:06.600 Let's get back to it.

01:22:07.420 But, yeah.

01:22:07.760 I mean, this guy's son obviously took his father's success for granted.

01:22:11.320 You know, it's always these celebrity people's children that always end up being drug addicts.

01:22:17.120 How can you be a drug addict when you've had the world given to you?

01:22:19.800 It's because they don't appreciate it.

01:22:23.320 ...process.

01:22:24.140 Quoting from the Los Angeles Times back then, Reiner and his wife struggled as their son Nick was addicted to hard drugs,

01:22:30.880 rotating in and out of rehab facilities like they were shopping malls.

01:22:34.500 The couple wondered if there was an end in sight.

01:22:36.480 So, that's a decade ago.

01:22:38.020 That is in the past.

01:22:39.540 But it is relevant context about Nick Reiner, 32 years old,

01:22:43.880 as people are going to be wondering now why he has been taken into custody

01:22:47.220 and why he's been booked on this felony charge.

01:22:49.840 And now, Wolf, we're going to wait for answers from authorities there in Los Angeles.

01:22:55.060 Yeah.

01:22:55.860 We are waiting for answers.

01:22:57.380 And, Stephanie, on that point, what happens next for Nick Reiner?

01:23:00.100 Do we know?

01:23:01.120 And also, can you tell us anything more about him?

01:23:03.780 We learned from Brian, but I know you can expand.

01:23:06.480 Yeah, I think what's also worth noting, right, we learned about this happening,

01:23:13.140 that it happened in the late afternoon local time here in California yesterday.

01:23:18.200 Looking at the jail booking document, you can see that Nick Reiner was arrested yesterday.

01:23:24.640 That's a new development that we've seen in there, and he was booked into jail today.

01:23:28.740 We did hear from the Los Angeles Police Department that they had to get a search warrant

01:23:33.180 to further their investigation before they could even go farther with saying who they thought

01:23:39.140 may be the suspect in the case and what may have been a motive.

01:23:42.240 We were standing out here very early this morning when they took away the police tape,

01:23:47.240 opened up the street, and now, shortly thereafter, we're getting this booking information from the jail.

01:23:52.340 So just giving a bit of contact on how we can do that.

01:23:57.660 All right.

01:23:59.320 I think we're losing our connection with Stephanie Elam, but we'll get back to her for sure.

01:24:03.040 Brian Stelter, you're still with us.

01:24:04.660 Talk a little bit more about Rob Reiner's impact on Hollywood.

01:24:08.260 As all of us who grew up watching Rob Reiner, we know he was huge.

01:24:12.280 And in so many different ways.

01:24:17.080 That's one of the reasons why Rob Reiner was a special figure.

01:24:20.120 It's why some people today are likening him to a mayor, an unofficial mayor of Hollywood.

01:24:24.860 It's because he was not just a writer and actor.

01:24:27.560 He was not just a director and a producer.

01:24:29.820 He was not just a role model to younger filmmakers.

01:24:32.640 He was all of the above.

01:24:35.200 You know, that's why we saw other legends like Larry David hurrying to his home in Brentwood

01:24:40.600 yesterday, wanting to try to be there, wanting to try to be close to the scene.

01:24:44.840 Reiner was larger than life in that way, partly because he worked for so many different decades.

01:24:50.560 You know, getting his start at a playhouse in Bucks County, Pennsylvania, and then on

01:24:54.400 the Smothers Brothers Comedy Hour on CBS in the late 60s, those writing credits then turned

01:24:59.720 into acting credits, most famously with All in the Family.

01:25:03.460 And, you know, you think about even the name of that sitcom.

01:25:05.720 You think about him playing Archie Bunker's son-in-law.

01:25:07.920 Family and that connection of family was really important through his decades.

01:25:13.180 I mentioned that he had three children with Michelle, and that was a love story in and

01:25:16.880 of itself that spanned almost 40 years and helped inspire the ending of When Harry Met Sally,

01:25:21.780 something we've been talking about here on the air this morning.

01:25:24.360 So that's just going to intensify the curiosity and the concern about why one of his sons,

01:25:30.140 Nick, has been booked on this felony charge, this unknown felony charge.

01:25:35.040 Unfortunately, we're in a little bit of an information vacuum right now, but we do know

01:25:39.240 a family member was interviewed by police last night, and now we know one of the sons is

01:25:43.200 in custody.

01:25:44.300 Yeah, and tell us more.

01:25:45.660 Let's see if there's any updates on this besides that.

01:25:47.760 Oh, yeah.

01:26:04.500 He hates Trump, by the way, too, this guy.

01:26:06.260 Hold on, I got something to show you guys.

01:26:10.080 This actually comes from one of the homies right here just sent me something. 1.00

01:26:17.320 Let me pull this up for you guys real quick.

01:26:19.340 Trump did a true social post on this.

01:26:22.340 He goes,

01:26:31.080 A very sad thing happened last night in Hollywood.

01:26:33.440 Rob Rainer tortured and struggling, but once a very talented movie director and comedy star

01:26:37.420 has passed away.

01:26:38.500 Together with his wife, Michelle, reportedly due to the anger he caused others through

01:26:41.880 his massive, unyielding, and incurable affliction with a mind-crippling disease known as

01:26:45.820 Trump derangement syndrome, sometimes referred to as TDS.

01:26:48.620 He was known to have driven people crazy by his raging obsessions of President Donald

01:26:52.760 J. Trump with his obvious paranoia reaching new heights as the Trump administration passed

01:26:56.700 all goals and expectations of greatness, and with the golden age of America upon us, perhaps

01:27:00.580 like never before.

01:27:01.740 May Rob and Michelle rest in peace.

01:27:05.580 Bruh.

01:27:08.180 This is like the most backhanded RIP I've ever seen in my life, bruh.

01:27:18.620 Bro, really said he had Trump derangement syndrome.

01:27:22.900 Come on, man.

01:27:26.280 Come on, dude. 1.00

01:27:30.160 Yo, this guy Trump is crazy, bro. 1.00

01:27:35.400 Bro, this is the definition of give no fucks, man. 1.00

01:27:40.400 You want Frank? 0.98

01:27:41.580 Frank, go.

01:27:46.240 Hilarious, dude. 0.99

01:27:47.280 Bro is crazy. 0.91

01:27:47.900 Okay. 0.96

01:27:49.520 Okay.

01:27:50.580 Where was I?

01:27:55.260 Okay.

01:27:59.140 Frank, hey, you want to take him downstairs, right?

01:28:01.860 Okay.

01:28:02.160 Frank, go.

01:28:03.340 Go.

01:28:09.500 Come on, Chad.

01:28:10.520 Come on, Frank.

01:28:10.960 Come on.

01:28:11.160 Come on.

01:28:11.780 Come on.

01:28:12.160 Come on.

01:28:13.160 Come on.

01:28:14.160 Come on.

01:28:15.160 Come on.

01:28:17.160 Come on.

01:28:18.620 Oh, yeah, that's a good person to take.

01:28:26.260 All right.

01:28:27.880 Sorry, Ice is going to take him for a walk.

01:28:29.720 All right.

01:28:30.040 We want to start with a story that really is shaking, I would say Hollywood, but really

01:28:38.660 shaking the country because it's the death of popular actor and producer Rob Reiner and

01:28:43.720 his wife, his son, his wife, his son, their son, I should say, now in custody.

01:28:49.040 Right.

01:28:49.560 And so this has kind of been developing new information coming in throughout the day.

01:28:52.980 We want to bring in TMZ's Michael Babcock with the latest on this investigation.

01:28:57.720 You guys are now reporting that it was their daughter that that found her parents.

01:29:04.340 Morning, Shannon.

01:29:05.260 Hi, Lauren.

01:29:06.040 Yeah, I just said an incredible...

01:29:07.500 And they were stabbed.

01:29:08.380 You guys know, you know, stabbing is obviously a very intimate way to kill someone.

01:29:11.800 You know, you got to be really hate. 0.96

01:29:12.900 You really got to hate them to do that.

01:29:14.280 It's an incredibly sad and tragic story.

01:29:16.840 We have, over the last few hours here, learned a good deal of new information about what allegedly

01:29:22.940 happened, really starting Saturday night and then obviously into yesterday afternoon when,

01:29:27.640 like you said, Shannon, at about 3.30, one of their other children, now their son, Nick,

01:29:32.500 who is 32 years old, he is currently in custody.

01:29:35.520 Unclear exactly why he's being held, but it is in connection to the deaths of his mom and

01:29:40.580 dad.

01:29:40.840 But yesterday, he has a sibling, a sister, and we have been told that about 3.30, she

01:29:47.980 found her parents, called 9-1-1.

01:29:50.580 Tragically, at that point, it was too late.

01:29:52.900 There was nothing that could be done to save Rob or Michelle, sadly.

01:29:57.720 Yeah, I mean, this is just an awful story.

01:30:01.300 We're looking more into Nick, the 32-year-old that is being held right now.

01:30:08.700 I saw that he has had, I mean, years since, like, his 15th birthday, I think it said, was

01:30:14.920 the first time that he was taken to a rehab facility and that it had been, like, dozens

01:30:21.540 of visitors or dozens of visits, rather, to other rehabilitation facilities over the years

01:30:30.760 as well.

01:30:31.320 But at the same point, like, him and his dad, they made a movie together.

01:30:36.180 So, like, I look at this and I'm like, clearly they had a connection, but this is just, I

01:30:42.440 mean, to see this turn of events is just sad.

01:30:45.960 No, I agree, Lauren.

01:30:47.400 And, you know, to your point, they did make a movie together.

01:30:50.700 I was watching interviews that they did, you know, obviously after the tragic incident

01:30:54.020 yesterday and looking into his son, into Nick, and they, yeah, they had the project that

01:31:00.080 they made that, I think, by accounts was what was pretty good and well-received.

01:31:03.760 They did a lot of interviews together.

01:31:05.260 It seemed like they had a loving relationship.

01:31:07.060 So, to consider what might have happened, obviously, we're not yet completely sure here,

01:31:12.020 but to consider what might have happened, it's just awful.

01:31:14.940 We were told that... 0.97

01:31:16.200 Yo, imagine your father puts you on as an actor and you repay him by stabbing him, bro. 0.98

01:31:20.620 Yo, come on, man. 0.80

01:31:26.760 Yo, I texted my pops yesterday, man, and, you know, and I told him, hey, I'll never forget

01:31:35.340 what you did to raise us, right?

01:31:38.980 Working in a cast, refusing to take welfare, you know, struggling in a country where he didn't

01:31:47.080 learn, he didn't know the language, but he figured it out.

01:31:50.620 Right?

01:31:50.940 Like, driving a cab, working as a security guard, getting minimum wage, struggling to 0.99

01:31:56.000 fucking raise us. 0.91

01:31:56.640 Like, I sent him a thank you about that literally yesterday, man. 0.99

01:32:01.040 This picture right here is so symbolic. 0.94

01:32:04.500 I saw this picture while I was on Twitter and I was like, holy shit, like, this is, you 0.97

01:32:08.240 know, this is literally the embodiment of your father. 0.98

01:32:10.740 Can y'all see that?

01:32:14.440 Hold on.

01:32:16.360 Let me get this to focus.

01:32:19.420 Right there.

01:32:26.260 And dads don't get enough credit for that.

01:32:30.640 You know what I mean?

01:32:31.700 Dads don't get enough credit for that. 0.98

01:32:32.900 So, yeah, for him to stab his dad and kill him like that, that's how you repay him, dude? 0.99

01:32:46.380 Seriously? 1.00

01:32:48.360 You know?

01:32:48.860 And it's relevant to their relationship and where they might have been right now.

01:32:55.660 They went Saturday night to Conan O'Brien's holiday party.

01:32:59.740 It's something he throws every year and you get a lot of celebrity friends who go over

01:33:03.760 and they have this big party where they all have a nice time.

01:33:06.480 Well, Rob Reiner went this year with his wife, Michelle, but they also brought Nick with

01:33:10.680 them.

01:33:11.280 We have been told that there was a blowout fight.

01:33:14.060 And let me be honestly here, guys, like I was thinking about this yesterday.

01:33:22.420 Your number one job as like a son, in my opinion, is to make sure that your parents don't work

01:33:30.240 into their old ages.

01:33:31.800 I think every man's goal should be to retire their parents.

01:33:36.400 I think that's the only way to go about things.

01:33:40.700 Every single one of your guys' goal should be to retire your parents.

01:33:50.200 You know, especially if you came from a good background, your parents took care of you.

01:33:54.740 You know, I could look back, even though we grew up poor and we struggled a lot, you know,

01:33:59.340 I remember days where, you know, we didn't have food in the house or, you know, we didn't

01:34:05.700 have anything or parents paid rent late or we couldn't, you know, put the heat on in 0.88

01:34:10.720 the winter and shit like that. 0.60

01:34:11.640 Like, I remember all that stuff. 0.95

01:34:12.860 I remember opening up a cereal box and having roaches in them.

01:34:17.180 You know, I remember that.

01:34:18.240 I remember like going to school wearing the same clothes.

01:34:21.300 Like, I just remember that stuff.

01:34:23.100 Right.

01:34:23.780 And, you know, my parents really struggled, really, really struggled, struggled as immigrants 0.99

01:34:32.280 coming here and figuring it out.

01:34:34.860 So, um, every single one of you guys, like your goal should be to retire your parents.

01:34:42.760 Do not let your parents work into their seventies and sixties, bro.

01:34:46.440 Like, that's not, that's not good.

01:34:48.580 You know, if they do work, it needs to be electively.

01:34:51.500 So like I told my parents, they need to quit their jobs.

01:34:53.880 They still work because they're hardheaded, but you know, they're not doing the crazy overtime

01:34:58.020 they used to do, but that should be everyone's goal.

01:35:02.280 Take care of parents.

01:35:05.840 Like how they took care of you, man.

01:35:07.220 You only get one pair at Conan O'Brien's party on Saturday night where it got so bad

01:35:13.560 or so intense that Rob and Michelle left unclear if Nick left, but Rob and Michelle left the

01:35:18.760 party because they got into this fight with Nick.

01:35:21.100 And then obviously less than 24 hours later, we know, uh, you know, tragically, uh, what

01:35:27.360 happened to them.

01:35:28.120 And, uh, now as there is some evidence to at least indicate that he may have had something

01:35:34.220 to do with it, it's, I think it kind of puts that argument into focus and, uh, they were

01:35:40.080 not in a good place that we've, we've been told that they were, were at wit's end for

01:35:44.800 lack of a better term with what to do with Nick and how to help him.

01:35:47.980 And they love their son very much, but they just didn't know where to turn.

01:35:50.700 And it just paints a picture of a, of a, you know, parents and a son.

01:35:54.900 Yeah, guys, this is why, bro, I tell y'all, man, guys, please don't use drugs, man.

01:36:00.060 Even if it's smoking pot every now and then it's not worth it, dude.

01:36:03.840 I don't care.

01:36:04.520 Anyone says weed is the gateway drug.

01:36:06.660 Everyone starts with pot and then they move on from there.

01:36:11.700 Who were really in crisis with one another.

01:36:14.000 And the next thing you know, you're literally killing the people that brought you on earth

01:36:16.660 because you, you, uh, because they won't let you use drugs anymore.

01:36:19.740 Yeah.

01:36:20.280 That movie was called being Charlie.

01:36:21.820 I, and I bring it back up because three things to stay away from drugs, alcohol, gambling,

01:36:29.520 right?

01:36:33.760 We can also add women to that, but the three that you must avoid by any means necessary, 1.00

01:36:40.080 gambling, drugs, alcohol, bro.

01:36:42.200 Those three things will destroy your life easily, easily.

01:36:50.620 It's about, it is Nick writing about himself based on his experience with addiction,

01:36:55.640 with homelessness as well.

01:36:57.960 Um, he even told people magazine that he was homeless, uh, in Maine.

01:37:01.160 Some media says, don't blame drugs, bro. 0.99

01:37:02.620 Get the fuck out my chat, bro. 1.00

01:37:04.600 Get the fuck out my chat, man. 1.00

01:37:06.360 You must be new here, bro. 1.00

01:37:07.420 You got these weirdos in here that smoke weed and do drugs and shit like that. 0.99

01:37:12.580 Trying to come in here and be like, oh no, that's not true, bro. 1.00

01:37:16.120 Shut the fuck up. 1.00

01:37:17.360 New Jersey. 1.00

01:37:17.960 He was homeless in Texas.

01:37:19.600 He said he spent nights on the street, weeks on the street.

01:37:22.760 Um, and it did, it does seem like that they would keep going to him and trying to get him

01:37:27.860 help, trying to get him on the right page. 1.00

01:37:30.280 I'm sending a bunch of stupid niggas to the shadow realm. 1.00

01:37:34.400 Not going to say and argue with some of you idiots. 1.00

01:37:36.080 Dude said, oh, just, yo, I'm just playing the video, bro. 1.00

01:37:38.360 You're losing viewers. 0.99

01:37:39.120 Get the fuck out my chat, bro. 1.00

01:37:42.460 Literally about to send a bunch of you niggas into the tune world, bro. 1.00

01:37:45.340 Like, and I think, I just think of so many parents who probably have been in this same

01:37:49.280 boat where they're trying so hard to help their kid.

01:37:51.560 But at the same point, you know, you feel like you're just playing the same old story.

01:37:55.380 And they had all the resources in the world, but it's, I think it's an important message.

01:37:58.780 It goes to show that money is, it's, you know, that's not all that matters.

01:38:02.420 And, and he seemingly, you know, had demons and, and battled real issues.

01:38:07.360 And, you know, Rob Reiner obviously had all the contacts, all the money.

01:38:10.520 And still Nick was really struggling.

01:38:12.960 And, and, you know, his bouts of homelessness, I think it paints that picture.

01:38:17.160 It did seem like they were in, at times, at least they were in a good place.

01:38:21.380 And it seemed like even here.

01:38:22.760 So let's go ahead and look at this interview that they did, which is nuts.

01:38:27.480 Won't watch the full thing, but this is an interview they did together.

01:38:29.820 It wasn't very tough. I mean, it was pretty nice experience for me.

01:38:34.820 I, I don't really think it was like, um, tough at all.

01:38:40.580 Really?

01:38:41.520 I mean, of course it was a little bit, but.

01:38:43.980 I mean, we did, you know, we did get into fights over things,

01:38:46.720 but ultimately it forced us to, uh, make the, make the film better.

01:38:51.220 I mean, you know, we get into issues and I would see, you know, he would, the whole process for me,

01:38:57.060 I can just speak for myself.

01:38:58.280 It, it did make me understand him a lot more and I think it made me a better father.

01:39:03.960 Hopefully it did.

01:39:05.320 Um, I, I don't know, but I, I, I, I think that, and you'll see it in the film.

01:39:11.180 What happens is, uh, you know, your kid, if your kid is going through rough times, you, you know, the parent is your main job is to keep your child safe.

01:39:21.480 So I, I, I would do anything.

01:39:23.580 I didn't, I even, I felt at a loss, so I would do anything that, as we say in the film, anybody with a desk and a diploma,

01:39:28.940 I would listen to them and the whole idea of tough love and you have to be a certain way and I, it's not my nature.

01:39:34.940 It's not the way I am built, but I went and did that, you know, and I think that, uh, you know, at the end of the day,

01:39:42.940 I know my child better than an expert does and I probably should have trusted my own instinct and that's one of the things I did learn about the whole experience.

01:39:51.940 I think the bonding came not from the story itself, but from the fact that we were working on a movie together and I could see him in his,

01:40:01.940 I would think in the form that he could express himself the best, which is making movies because he has so much experience.

01:40:07.940 And so seeing, I ain't gonna lie, bro looks crazy. He does look a little crazy chat.

01:40:12.940 That sort of turned me around to be like, okay, I should probably, no, sorry, I'm responding.

01:40:17.940 Also do me a favor guys smash that like button. We got 2,100 ninjas in here. Smash that like button for me. 0.95

01:40:24.940 I think I'm going to leave for a Phoenix on Wednesday guys Wednesday.

01:40:28.940 I'm pretty sure I'm going to be leaving for Phoenix going to be at America fest.

01:40:31.940 It's going to be a good time. So I will be there for the majority of the week.

01:40:39.940 This is probably shut up and listen to him because he knows a lot more about this.

01:40:43.940 He knows any, I don't know anything. So I'll learn whatever he has to teach me.

01:40:48.940 I just think that's such a fascinating thing.

01:40:50.940 It's so crazy watching this interview after what, wow. Seeing this now is chilling.

01:40:55.940 Imagine wanting to do everything you can to keep your child safe. 0.56

01:40:57.940 And then they murder you and their mother too.

01:40:58.940 We tell how much Rob loves Nick's in the video.

01:41:00.940 Also hints of how disturbed Nick was.

01:41:05.940 You can see how hard Rob tries to reach out to him comments and constantly so sad to watch, bro.

01:41:10.940 They say that like your, your father who you would always want to be at his best as your father may be a type of person who's at his best when he's making movies.

01:41:19.940 And that makes him more understandable or relatable as a father to you, which is so fascinating to me.

01:41:24.940 Yeah. It really clicked for me because we didn't bond a lot as a kid.

01:41:28.940 Like he really liked baseball. I like basketball and he could watch that with my brother, but baseball.

01:41:34.940 But I just, when I saw him do that and it was something that I'm interested in, I was like, wow, like he really knows a lot.

01:41:39.940 And like, it made me feel closer to him and be like, yeah.

01:41:43.940 You're like, wow, my dad's Rob Reiner.

01:41:45.940 I never had thought about it and then.

01:41:48.940 Yeah. It didn't cross your mind, right?

01:41:50.940 Never.

01:41:51.940 Never watched A Few Good Men. Didn't see that one.

01:41:53.940 No.

01:41:54.940 But it's interesting that Nick would talk about it in that way because, yeah, we did share that experience.

01:42:02.940 But, you know, even though I've had a lot of experience making movies, you know, and I said this to him many, many times that he was the heart and soul of the film.

01:42:12.940 So when it came to making the film deeper and better, I would have to really defer to him.

01:42:21.940 I mean, even though I have had all this experience in making films, the core of this film, I really had to look to him.

01:42:28.940 I relied on him for giving it the honesty and the truth that it has.

01:42:34.940 Did you work with him on set? Were you on set for the majority of the shooting?

01:42:38.940 Mm-hmm. I was on set with him.

01:42:40.940 Yeah.

01:42:41.940 No, sorry. Go ahead.

01:42:42.940 I have no idea what I was going to say.

01:42:44.940 Yeah.

01:42:45.940 No, he was there every day.

01:42:46.940 I mean, we worked for a year before, you know, helping craft a script and then doing the whole shooting.

01:42:53.940 And then post-production, he would come in the cutting room.

01:42:56.940 I mean, we went through it together.

01:42:58.940 There's no question.

01:42:59.940 I have to ask, you know, you said it's the most-

01:43:01.940 That's nuts.

01:43:02.940 I'm reading some of these chats.

01:43:11.940 Jiggy says, to follow up, should I use it to pay off my debts before I invest?

01:43:16.940 Pay off a majority of your debts where it's like, you know, manageable.

01:43:20.940 Continuation of 20K in debt question.

01:43:23.940 Also, don't have any expenses outside of health insurance or rent.

01:43:25.940 Fast way to get back on track, work more hours and pay that thing down as quickly as possible. 0.51

01:43:29.940 You don't have other expenses.

01:43:30.940 T. Wright, credit to pay off your credit is cool and all, but if you don't change your behavior, it won't do anything.

01:43:36.940 Yep.

01:43:37.940 And that's why I'm reluctant to tell people to do that.

01:43:38.940 Let's help people to do that.

01:43:39.940 Hungary, Cambodia.

01:43:40.940 Yomaren, how much money do I need to have saved in a bank account to use a VA loan on a duplex?

01:43:45.940 Well, you don't got to put any money down, but they're probably going to want to see money in your account.

01:43:49.940 Outside Logic, I'm new here.

01:43:50.940 I've been wanting to join your OSS, but I've been busy.

01:43:53.940 Thank you for what you do.

01:43:54.940 No worries, bro.

01:43:55.940 It's just L. YouTube is a code.

01:43:57.940 Yomaren, what's your approach to negotiating a good house price for a new home?

01:44:00.940 Very valuable information as always.

01:44:02.940 You know, just, you know, negotiate, give a good offer and go from there.

01:44:08.940 If you've got a counter offer, if it's highly contested, you do what you've got to do,

01:44:12.940 but just make sure that the house cash flows when you close.

01:44:14.940 Peter Bailey, keep you on, bro.

01:44:16.940 I appreciate you.

01:44:17.940 My 18-year-old son appreciates you as well.

01:44:18.940 He notices things with the girls.

01:44:19.940 He's around almost instantly now.

01:44:21.940 Definitely red pill them.

01:44:22.940 Awesome.

01:44:23.940 Alejandro, I know you'll cover at some point, but the UFC champion Tapria is going through 0.94

01:44:26.940 some real red pill shit in real time.

01:44:29.940 Why haven't you got false AQs probably? 0.99

01:44:31.940 My sister more red pill than my brother from Outside Logic. 0.55

01:44:33.940 Believe it, Outside Logic, they cut that money off so he killed them.

01:44:36.940 Oh, that's why.

01:44:37.940 Okay, that makes sense.

01:44:38.940 Privilege breeds weakness.

01:44:39.940 Absolutely. 0.95

01:44:40.940 A bunch of soft as men complaining about mental health. 0.96

01:44:42.940 Facts.

01:44:43.940 Jiggy, if you want to have a big inheritance of your kids, how would you structure?

01:44:47.940 I was thinking more.

01:44:48.940 They can't access until they're 40.

01:44:49.940 That's a way to do it.

01:44:50.940 Hussein Osman, bro, it's so hard to watch anything after being red pill.

01:44:53.940 I can't watch movies, watch any other games or podcasts, maybe besides Joe Rogan.

01:44:57.940 It's incredible how addictive and harsh brutal truth can be.

01:44:59.940 That was kicked off yesterday.

01:45:00.940 Okay.

01:45:01.940 Well, I appreciate that, but all good. 1.00

01:45:03.940 He's just being an idiot. 1.00

01:45:05.940 Rainer and his wife was stabbed and had their throat slit by their son. 1.00

01:45:11.940 Trump's response, TDS. 0.96

01:45:12.940 Yeah, bro, that's crazy.

01:45:14.940 My dad, that was incredibly insensitive.

01:45:17.940 Abraham says, my dad came to the U.S. in his teen years, worked 20 plus hours a day,

01:45:22.940 Fox Bowl kids, for not appreciating their parents.

01:45:24.940 Absolutely.

01:45:28.940 Okay.

01:45:30.940 The most personal project that you've ever been a part of.

01:45:33.940 And I think when people watch an hour and a half movie, they can sort of feel the person.

01:45:37.940 All right, let's get into this Bondi Beach shooting.

01:45:40.940 As you guys know, two gunmen opened fire on Bondi Beach during a Hanukkah event.

01:45:44.940 Roughly, maybe 48 hours ago now.

01:45:46.940 Okay. 0.64

01:45:47.940 Absolutely nuts.

01:45:48.940 Bunch of people got killed.

01:45:50.940 One guy came out as the hero.

01:45:52.940 The Bondi Beach terror attack was the worst mass shooting Australia has seen in three decades.

01:46:09.940 Yeah.

01:46:10.940 The last time I think was like the Port Arthur massacre, if I'm not mistaken, because Australia

01:46:15.940 has very strict gun laws and that actually, you know, this is what made them actually reform.

01:46:26.940 I think this was like late 1996.

01:46:29.940 Yep.

01:46:30.940 Boom.

01:46:31.940 Massacre was a mass shooting that occurred on April 28th, 1996 at Port Arthur, a tourist known

01:46:34.940 in the Australian state of Tasmania.

01:46:37.940 The perpetrator Martin Bryant killed 35 people and wounded 23 others.

01:46:41.940 The deadliest massacre in modern Australian history, the attack led to fundamental changes

01:46:44.940 in his gun laws.

01:46:45.940 So this guy was the shooter right here.

01:46:46.940 Martin Bryant.

01:46:47.940 So.

01:46:48.940 Currently in jail right now.

01:46:51.940 He got 1,652 years with a possibility of parole.

01:47:05.940 Holy bro.

01:47:06.940 At this point, why not just say life? 1.00

01:47:11.940 God damn. 1.00

01:47:12.940 They got a thousand years. 1.00

01:47:15.940 Bro going to be in jail for a millennia.

01:47:20.940 The attacks went on for so long that people had time to scream out the gunmen were reloading

01:47:24.940 while they were running from the beach.

01:47:25.940 This is what happened.

01:47:26.940 As the sun set, around 2,000 people had gathered at a small park at the back of the beach to light

01:47:38.940 candles and celebrate an event called Hanukabai Nasi.

01:47:42.940 How many?

01:47:43.940 It's enough.

01:47:44.940 Just to feel the Hanukkah. 0.75

01:47:57.940 It was a family event that promised doughnuts, face painting, a petting farm, giant mineral

01:48:04.940 lighting.

01:48:05.940 At 6.45pm, gunshots rang out.

01:48:06.940 Two gunmen were positioned onto this elevated footbridge linking Campbell Parade with the

01:48:17.940 Bondi Surf Club.

01:48:18.940 From there, they opened fire toward the beach and the Hanukkah gathering below.

01:48:22.940 Hundreds of people ran across open seats trying to get to safety.

01:48:33.940 People barricaded themselves in toilet blocks, restaurants, surf clubs.

01:48:37.940 Others who were leaving the area were forced to crouch down on buses, not sure of what was

01:48:51.940 going on.

01:48:52.940 Witnesses said the shooting wouldn't stop.

01:48:53.940 Some reported up to 50 rounds being fired before the gunmen were silenced.

01:48:56.940 Heard like heaps of gunshots, like at least like unloaded the gun I reckon.

01:49:14.940 This was the moment that went viral.

01:49:16.940 A bystander who heroically tackled and disarmed one of the gunmen.

01:49:19.940 This is 43 year old Ahmed El Ahmed, a Sydney local who owns a fruit shop in Sutherland.

01:49:25.940 He could be seen rushing through cars and grabbing the gunmen in a headlock from behind.

01:49:29.940 Now this guy is a hero.

01:49:30.940 I think he had a GoFundMe.

01:49:31.940 It's probably like $2 million right now.

01:49:51.940 When I looked,

01:49:52.940 He owes at like $1.7 yesterday.

01:49:57.940 Here he is right here.

01:49:59.940 Jewish donors helped raise $1.3 million from Ahmed Ahmed, a Muslim man who disarmed the 1.00

01:50:03.940 Bani Beach attacker.

01:50:04.940 Yeah. 0.95

01:50:05.940 So for all the haters, this guy is literally Muslim.

01:50:08.940 And Bill Ackman even sent some money.

01:50:22.940 Because Netanyahu thought this guy was Jewish, but he was actually a Muslim guy.

01:50:26.940 Syrian too.

01:50:27.940 A Syrian guy.

01:50:29.940 Hold on.

01:50:34.940 Bro's a hero, man.

01:50:36.940 After a struggle, he wrestles the rifle.

01:50:38.940 Yeah.

01:50:39.940 I'll talk about...

01:50:41.940 We're going to do after hours here very soon.

01:50:43.940 I'm going to have to do a part two on this for you guys, man.

01:50:46.940 The rifle away.

01:50:47.940 Ahmed then points the gun at the shooter who walks back towards the bridge while looking...

01:50:51.940 And he got shot.

01:50:52.940 I think he owns like a fruit stand or something like that.

01:50:54.940 He got shot twice.

01:50:55.940 Once, one in the arm and like one in the hand.

01:50:57.940 ...over his shoulder.

01:50:59.940 He's Christian, actually?

01:51:12.940 I don't know about that, bro.

01:51:18.940 Ahmed then places the shotgun against the trade.

01:51:21.940 The guy is super courageous.

01:51:24.940 Meanwhile, police were engaged with the second shooter who was seen ducking in and out of

01:51:31.940 cover during a standoff.

01:51:33.940 Moments...

01:51:34.940 Yeah, father and son.

01:51:35.940 ...later, an officer shot one of the gun dead from behind. 0.97

01:51:38.940 Bash him! 0.55

01:51:48.940 The second was arrested at the scene.

01:51:50.940 The attackers have been identified as Sajid and Naveed Akram, a father and son from Bonnie

01:51:55.940 Rig in Sydney's southwest.

01:51:57.940 That morning, they told family members they were heading to the south coast on a fishing

01:52:01.940 trip.

01:52:02.940 Instead...

01:52:03.940 The family home has been sealed off as part of the investigation.

01:52:18.940 See, they've got a crowd going on right now.

01:52:21.940 Everyone's waiting to see what happened.

01:52:23.940 We've got the coppers right there. 0.99

01:52:25.940 More people over here.

01:52:27.940 That's his house over there.

01:52:29.940 He's getting bloody raided right now.

01:52:31.940 Smash that light button and just...

01:52:34.940 This is the aftermath.

01:52:37.940 Bodies on the ground, emergency services rushing in, and bystanders trying to stop bleeding.

01:52:42.940 Are you good?

01:52:44.940 They're all good.

01:52:45.940 They're all good.

01:52:46.940 A little girl died during this situation too, which is absolutely horrible.

01:52:50.940 I think it was like a ten-year-old girl.

01:52:52.940 I can't cover it in blood of my friends.

01:52:59.940 Oh, I'm so sorry.

01:53:00.940 The brain killed a few centimeters from me.

01:53:03.940 I look, two men, he come, cinture, everything, munition.

01:53:09.940 He had ammunition?

01:53:10.940 Munition.

01:53:11.940 One sniper, very big, and bam, he shoot, he shoot, one.

01:53:15.940 And we all panicked and started running as well, so we left everything behind, like flip-flops, everything.

01:53:20.940 We just ran through the hill.

01:53:21.940 Among the survivors was international human rights lawyer Arsene Ostrovsky, who also survived the October 7 attacks in 2023.

01:53:28.940 This guy is also a strategist, by the way.

01:53:31.940 Just saying.

01:53:33.940 And if you looked at his LinkedIn profile, it says Zionist strategist.

01:53:38.940 He said he never thought he would say this. 1.00

01:53:44.940 We've lived through this, we're going to get through this, and we're going to get the bastards that did this. 0.99

01:53:49.940 And just so you guys know, the father is dead, but the son is at the hospital, obviously under police guard. 0.99

01:54:02.940 Everyone back! Everyone back! Everyone to go! Everyone to go!

01:54:07.940 Boys, go! Everyone, move!

01:54:09.940 After the scene was secured, police launched a bomb disposal operation on Gamble Parade.

01:54:20.940 A nearby vehicle was suspected of containing explosives.

01:54:23.940 Several improvised explosive devices were found, secured and removed.

01:54:28.940 Authorities later declared the shooting an act of terrorism, a targeted attack on Jewish Australians carried out on the first day of Hanukkah.

01:54:35.940 There is no place for this hate, violence and terrorism.

01:54:40.940 And obviously, the Israeli government wasted no time trying to use this tragedy to push the Hasbara. 0.52

01:54:49.940 Netanyahu told the Prime Minister of Australia, this is what, you know, this is what happens when you recognize a Palestinian state. 0.97

01:54:58.940 A bunch of Zionists, oh, Muslim terrorism once again, blah, blah, blah. 0.99

01:55:02.940 Right? Even though a Muslim ended the conflict, ended the shooting. 0.99

01:55:06.940 Right? Or it saved a bunch of lives during said shooting.

01:55:09.940 But they're already using this, bro.

01:55:11.940 With the Zionists, they say, you know, never let a crisis go to waste. 0.99

01:55:15.940 And they're definitely using this crisis to their advantage.

01:55:18.940 In our nation, let me be clear.

01:55:21.940 We will eradicate it.

01:55:23.940 It's a responsibility of all Australians to wrap their arms around Australia's Jewish community.

01:55:29.940 And as you guys know, you know, guns are very difficult to procure in Australia.

01:55:33.940 You have to get like licensing, everything else like that.

01:55:35.940 You got to be a hunter.

01:55:36.940 So mass shootings are not a thing for them.

01:55:39.940 This is a big deal.

01:55:40.940 Like this is almost like they're 9-11.

01:55:42.940 And help them get through this incredibly difficult period.

01:55:46.940 Police believe the attack had been planned for months.

01:55:48.940 Both gunmen were carrying ammunition dump pouches, allowing them to reload quickly.

01:55:53.940 Sources said the men were waving away other citizens before firing in the direction of the hunting crew.

01:55:58.940 Yeah, which is crazy because like there were people filming from the side that said, hey, get out of here.

01:56:01.940 And they just purposely were just shooting at the beach, which is strange.

01:56:05.940 There appeared to be red shotgun shell casings scattered on the ground along with thinner metallic casings that look like those used in hunting style rifles.

01:56:13.940 Police have since revealed the father had a gun license for about 10 years and was in possession of six firearms.

01:56:20.940 Australia has some of the world's strictest gun laws.

01:56:23.940 Firearms must be registered and owners.

01:56:25.940 UK's like that too.

01:56:26.940 Is licensed.

01:56:27.940 The attack drew fierce criticism from Israel.

01:56:29.940 Your government did.

01:56:30.940 Of course.

01:56:31.940 Never let a crisis go to waste, bro.

01:56:34.940 Nothing to stop the spread of anti-Semitism in Australia.

01:56:45.940 Of course.

01:56:46.940 And just so you guys know, Australia had the biggest pro-Palestine march in the world a couple of months back, if you guys remember.

01:56:53.940 I think it was this summer.

01:57:13.940 Yeah, I think this is it.

01:57:20.940 Bruh. 0.66

01:57:21.940 Okay, now it's acting retarded. 0.98

01:57:23.940 You did nothing to curb the cancer cells that were growing inside your country. 0.60

01:57:30.940 You took no action.

01:57:32.940 You let the disease spread.

01:57:34.940 And the result is the horrific attacks on Jews we saw today.

01:57:38.940 We send our warmest strength from here, from Jerusalem.

01:57:42.940 And we repeat our alerts time and again to the Australian government to seek action and fight against the enormous wave of anti-Semitism which is plaguing Australian society.

01:57:54.940 The day after the shooting, Jewish community leaders in Australia revealed they had been warned by police not to open their doors as a safety measure.

01:58:01.940 Overnight, the death toll continued to rise.

01:58:04.940 More than a dozen were killed, including a rabbi with a two-month-old child, a Holocaust survivor, a ten-year-old girl, and travelers from France and Israel.

01:58:13.940 More than 40 others were taken.

01:58:20.940 Authorities are continuing to look into how the attack was planned and carried out.

01:58:25.940 We want to get to the bottom of this.

01:58:27.940 Look at this, guys. 1.00

01:58:30.940 Shit was huge. 1.00

01:58:32.940 90,000, bro. 1.00

01:58:39.940 Despite the rain that come from all over the city and beyond.

01:58:43.940 We just wanted to protest about what's going on in Gaza at the moment.

01:58:46.940 There's too many deaths of young children, too much starvation.

01:58:49.940 It's a sign... 0.99

01:58:50.940 Crazy, dude.

01:58:51.940 ...of the turning tide of the opinion in this country, and it's a sign that people aren't going to put up with it anymore.

01:58:58.940 We want to understand the motives behind it, and we certainly want to...

01:59:10.940 And I will say this.

01:59:12.940 A couple of Australians have been caught, drawn swastikas and other Nazi and or anti-Semitic phrases and terms and symbols on synagogues.

01:59:27.940 So, in other words, they got caught conducting the hate crimes that people supposedly do to them.

01:59:39.940 Yeah, you heard that right.

01:59:43.940 There were a couple of those guys, them boys, they got caught in Australia for drawing swastikas and other anti-Semitic slash Nazi phrases and symbols on synagogues.

02:00:05.940 To perpetuate this hysteria that anti-Semitism is on the rise in Australia. 1.00

02:00:12.940 A couple of them got caught doing that shit, bro. 1.00

02:00:14.940 And the Mossad has been doing this for a while, for those of you that are unaware. 0.99

02:00:19.940 After the state of Israel was created, 1948, a lot of Israelis went to places like Iraq and other Muslim countries and purposely did false flag attacks against the Jewish Arabs that lived there so that they would flee to Israel.

02:00:41.940 This has been widely documented.

02:00:46.940 That undercover Israelis would do false flags in Arab countries to fear monger the Jews that have lived there in peace for centuries to go to Israel. 0.59

02:01:00.940 But no one ever wants to talk about that.

02:01:05.940 I don't understand the actions that have happened.

02:01:07.940 And I don't know if I got time tonight, but I'm going to do a big, deep dive on all the Hezbar that's been going on, guys, because there's a huge side going on. 1.00

02:01:15.940 I'm not saying this shooting here in particular is a 100 percent side up, but there's a bunch of other things going on that we need to kind of bring into focus.

02:01:23.940 And I'm going to gather all the evidence for you guys, probably going to cover it tomorrow in explicit detail because I'll have more time.

02:01:28.940 But for now, we're just going to cover the.

02:01:31.940 The shooting in general with the official narrative.

02:01:35.940 I cannot give a running commentary on the investigation.

02:01:39.940 I want to give the investigators time to work through this properly.

02:01:42.940 The day after the shooting, Jewish community leaders in Australia revealed they had been warned by police not to open their doors as a safety measure.

02:02:05.940 Sydney Muslim leaders said they will refuse to perform Islamic funeral rites or receive the bodies of the Bondi terrorists.

02:02:11.940 The killing of innocent people is never acceptable.

02:02:13.940 Saying they don't see the offenders as real Muslims.

02:02:14.940 They also said the Muslim community was on a high alert and would not be.

02:02:18.940 What was that they said?

02:02:19.940 To perform Islam. 0.96

02:02:21.940 Sydney Muslim leaders said they will refuse to perform Islamic funeral rites or receive the bodies of the Bondi terrorists.

02:02:29.940 Good W.

02:02:31.940 The killing of innocent people is never acceptable.

02:02:34.940 Saying they don't see the offenders as real Muslims.

02:02:38.940 They also said the Muslim community was on a high alert and would not be gathering at mosques in the coming days.

02:02:43.940 Police say the surviving shooting is likely to recover from his injuries and will face criminals.

02:02:59.940 This guy right here.

02:03:00.940 The son.

02:03:01.940 The criminal charges.

02:03:02.940 In the meantime, Australia is devastated and one of the world's most famous beaches has been changed forever.

02:03:09.940 In this moment of darkness, we must be each other's light.

02:03:15.940 Hold on to the true character of the country that we love.

02:03:19.940 Australia is stronger than the cowards who attacked innocent people today.

02:03:24.940 Australia is braver than those who seek to make us afraid.

02:03:29.940 Australia will never submit to division, violence or hatred.

02:03:34.940 We will see justice done and we will come through this together.

02:03:44.940 Yeah.

02:03:45.940 Absolutely nuts.

02:03:48.940 Absolutely nuts.

02:03:49.940 Biggest attack obviously there probably in their history since since Port Arthur.

02:03:55.940 Oh, let me read chats real fast.

02:04:25.940 Okay.

02:04:26.940 Abraham.

02:04:27.940 So my dad came to the U.S. in his teen years.

02:04:31.940 Worked 20 plus hours a day.

02:04:33.940 Worked. 1.00

02:04:34.940 Fuck spoiled kids for not appreciating. 1.00

02:04:35.940 Yep. 1.00

02:04:36.940 Anyway, contact Brett.

02:04:40.940 I have trouble updating my OSS subscription.

02:04:43.940 I mean, how are you going to upgrade it, bro?

02:04:46.940 It goes from $1 to $10 every month.

02:04:47.940 Just one subscription.

02:04:49.940 Of course, this Myron guy is hating once again.

02:04:52.940 I don't even know why this guy is here, bro.

02:04:54.940 Bro, who makes an account to just hate all day? 0.96

02:05:01.940 You do realize like this makes you look like a weirdo. 0.96

02:05:03.940 Right? 0.57

02:05:04.940 And obsessed.

02:05:05.940 Dude says, I'm a pseudo expert in a plethora of topics, but in reality as a master deflection

02:05:11.940 always engages the ad hominems. 0.99

02:05:12.940 You always generalize, which is very dumb. 0.99

02:05:14.940 All right, bro. 0.99

02:05:15.940 I'm not going to entertain you with a response.

02:05:17.940 Enjoy the shadow realm.

02:05:18.940 Enjoy the shadow realm.

02:05:21.940 Enjoy the shadow realm, bro.

02:05:23.940 Okay.

02:05:24.940 VA home loan is relatively simple process.

02:05:27.940 Y'all need enough to cover closing costs and inspections.

02:05:30.940 They do like your savings.

02:05:31.940 Of course.

02:05:32.940 Kendall.

02:05:33.940 Top M tickets for Amfest are sold out, but I didn't get a chance to meet you in Miami

02:05:38.940 last weekend.

02:05:39.940 Just moved to Phoenix.

02:05:40.940 Will there be a chance link while you're here?

02:05:42.940 If I have time.

02:05:43.940 Outside logic.

02:05:44.940 When you reincarnate, you going back to jail?

02:05:46.940 Probably.

02:05:47.940 Outside logic.

02:05:48.940 Do you think this is a setup to get more people to hate Muslims?

02:05:50.940 Absolutely.

02:05:51.940 I do think so.

02:05:52.940 It's a part of it.

02:05:53.940 Yeah.

02:05:54.940 Naval aviator.

02:05:55.940 And there's many other things too.

02:05:56.940 Between Jake Lang, Twitter prioritizing anti-Islam rhetoric.

02:06:01.940 A bunch of Zionists, you know, putting a bunch of anti-Muslim rhetoric out there.

02:06:07.940 There's 100% of SIOP on the way here.

02:06:10.940 100%.

02:06:11.940 I'm going to cover that in more detail tomorrow probably because I don't know how much more

02:06:14.940 time I have tonight.

02:06:16.940 Naval aviator says, I was a broke college kid working at a liquor store when I started

02:06:23.940 watching you.

02:06:24.940 Zero lines of credit.

02:06:25.940 Joined the USN shortly after.

02:06:27.940 Got a military loan for my truck move.

02:06:30.940 Credit score is 500, now 785 with a property in Pensacola to rent and fly school students

02:06:34.940 and truck is paid off only four years later.

02:06:36.940 Congratulations, bro.

02:06:37.940 That's good, man. 1.00

02:06:38.940 Thanks for teaching me shit my parents never did. 0.99

02:06:39.940 Much love. 0.99

02:06:40.940 Got you, my friend.

02:06:41.940 That's what I'm here for.

02:06:42.940 BM says, lost respect for PBD after this.

02:06:44.940 That was from two years ago after October 7, but he acted like it was a response to the

02:06:47.940 Bandi attacks. 0.64

02:06:49.940 Yeah.

02:06:50.940 I mean, yeah, PBD is definitely buying into the Hezbollah. 0.98

02:06:55.940 Absolutely.

02:06:56.940 Buying into the Hezbollah. 0.99

02:06:58.940 But again, like I told you before, bro, you always have to be extremely skeptical of

02:07:02.940 people that will talk about, that'll be critical of Islam, but will not be critical

02:07:07.940 of, you know, them boys.

02:07:09.940 Always be skeptical of these guys.

02:07:12.940 Because then you know, then you know they're not really there to be fair and impartial.

02:07:16.940 They're there with an agenda.

02:07:18.940 That's honestly the easiest way to tell who the real niggas are and who aren't. 1.00

02:07:21.940 Like, if they talk crap about Muslims, fine, no problem. 0.99

02:07:23.940 You want to criticize Islam? 1.00

02:07:24.940 You want to say, isn't that compatible with the West?

02:07:25.940 Fine.

02:07:26.940 You know, I will actually agree with you on that one.

02:07:28.940 But if they're not willing to have difficult discussions on them boys, bro, you can't

02:07:32.940 take them seriously.

02:07:39.940 Legend says, subscribe.

02:07:40.940 Welcome, bro.

02:07:41.940 Extreme.

02:07:42.940 Yo, there's always Holocaust survivors. 0.96

02:07:43.940 Some come on, man.

02:07:44.940 Yep.

02:07:45.940 Sabrina, I saw on X that the shooter was Jay.

02:07:47.940 Is that true?

02:07:48.940 I heard that too.

02:07:49.940 I'm sure I was planning on passing more control measures.

02:07:51.940 They are going to limit the amount of guns a person can have.

02:07:53.940 I believe that too.

02:07:54.940 T.Y.

02:07:55.940 Red pilled me out politics, foreign affairs, finance, laws, self-improvement supporting

02:07:58.940 you from the Midwest.

02:07:59.940 Keep going, big bro.

02:08:00.940 Thank you so much, T.Y.

02:08:02.940 The third right.

02:08:03.940 What would your first 100 days of the U.S. Attorney General look like?

02:08:06.940 We're putting everybody in jail.

02:08:07.940 That's a criminal.

02:08:08.940 Off topic, but where do you buy the Gypsy Crusader gun? 0.99

02:08:13.940 You got to go on his Twitter, I think, to get it.

02:08:16.940 Loserpunk makes comments like that. 1.00

02:08:18.940 He's a loser in life. 1.00

02:08:20.940 Yeah, there's always losers, bro. 1.00

02:08:22.940 I got a lot of weird haters that watch me. 0.91

02:08:23.940 I'll never understand, dude, why so many people hate watch.

02:08:28.940 I got a lot of random FBAs that just hate watch.

02:08:31.940 Strange.

02:08:32.940 For the life of me, I'll never figure it out, bro.

02:08:34.940 Always thought it was very strange and weird.

02:08:36.940 Looking good?

02:08:38.940 Okay.

02:08:39.940 They're doing soundcheck?

02:08:42.940 Okay.

02:08:43.940 All right.

02:08:44.940 What is it?

02:08:45.940 Four?

02:08:46.940 Okay.

02:08:47.940 All right.

02:08:48.940 All right.

02:08:49.940 So we're going to have after hours with you guys with four lovely days, I guess.

02:08:54.940 I'm going to end the stream here soon.

02:08:55.940 Moe's doing a soundcheck.

02:08:57.940 Let me see if there's any other chats.

02:08:58.940 Let me see if there's any other chats.

02:09:00.940 Not only did they do a false flag graffiti on synagogues.

02:09:15.940 They try to put the blame on the Iranian government, which made the Australian government dedicate them to the terrorist organizations a few months ago.

02:09:22.940 Yeah.

02:09:23.940 Yeah.

02:09:24.940 Yeah.

02:09:25.940 Of course.

02:09:26.940 Of course, bro.

02:09:28.940 So, that's just how it goes.

02:09:35.940 Whoo! 0.78

02:09:50.940 They don't lie.

02:09:55.940 Andrew.

02:09:57.940 Thank you, my name's the ______-

02:10:00.940 And so, let me see. 0.99

02:10:02.940 shout out to the idiot uh in the chat pin of shame goes to root seller says one of myron's 0.99

02:10:24.860 paypiggies should tell him port arthur was a false flag okay well enjoy the shadow run bro 1.00

02:10:28.980 enjoy the shadow run my friend

02:10:33.560 oh hold on yeah root seller

02:10:39.960 actually no r r r r2 d2 debt that's what it was my bad

02:10:52.280 r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r r n 1.00

02:11:15.380 Is this dude an idiot? 1.00

02:11:24.240 Why don't you do Freshly Fit anymore? 1.00

02:11:26.980 Tunis, are you stupid? 1.00

02:11:37.400 YouTube chat guy Tunis says, 1.00

02:11:39.360 why do you not do Freshly Fit anymore? 1.00

02:11:42.280 Are you fucking dumb, bro? 1.00

02:11:43.260 Tunis 540 1.00

02:11:45.680 Niggas are a retard, dude 1.00

02:11:46.800 What a fucking dumbass 1.00

02:11:48.960 What the fuck? 1.00

02:11:52.240 You're not just hearing me say 1.00

02:11:53.040 I'm gonna get off soon

02:11:53.820 So I can do Freshly Fit after hours 1.00

02:11:54.980 You fucking retard 1.00

02:11:56.280 Bro, yo, man 1.00

02:11:59.620 We got so many low IQ people in chat sometimes, man 1.00

02:12:02.180 This shit be hurting my brain 1.00

02:12:03.380 A lot of gunshots 1.00

02:12:09.120 A lot of gunshots

02:12:16.540 A lot of gunshots

02:12:18.540 Hey, he's dead, he's dead, he's dead

02:12:20.960 He's dead, he's dead 0.94

02:12:21.960 Hey, he's dead, he's dead, he's dead 0.87

02:12:43.100 He's hit! He's hit! He's hit!

02:12:45.100 Please help me!

02:12:46.100 He's hit! He's hit!

02:12:47.100 Jim! 1.00

02:12:48.100 Fuck! 1.00

02:12:49.100 Get down! 1.00

02:12:50.100 What?

02:12:51.100 What? 0.98

02:12:52.100 What the hell? 1.00

02:12:53.100 I'm trying to fuck you! 1.00

02:12:55.100 Get out of there! 1.00

02:12:56.100 I'm trying, brother!

02:12:57.100 I'm trying!

02:12:58.100 What?

02:13:13.100 One of the shotguns I think they took from the guy.

02:13:34.100 Hero right there, man.

02:13:47.100 Oh! 0.60

02:13:49.100 That's the dad.

02:13:54.100 He disarmed the dad, chap.

02:14:03.100 That's who he disarmed.

02:14:14.100 Drone footage from the scene appeared to capture the last stand of the two gunmen from the bridge behind Bonnie Park.

02:14:22.100 That's the dad dead right there in the sun here.

02:14:33.100 That's the brother Jorge the other view.

02:14:35.100 But before he has no closing!

02:14:36.100 He's a hit!

02:14:38.100 để WatK queBadde информ我 kallende Stri � noite,

02:14:40.100 No they laugh in.

02:14:41.100 Monty baye.

02:14:42.100 Say hi.

02:14:43.100 In the eye.

02:14:44.100 Hello, hello.

02:14:45.100 Hey! 0.99

02:14:46.100 Yo call.

02:14:47.100 Yo call.

02:14:48.100 Hey! 0.99

02:14:49.100 Yo call.

02:14:50.100 Yo call.

02:14:51.100 Yo call.

02:14:52.100 Oh, what's not at town.

02:14:53.100 Hey, yo call this studying no way. 0.99

02:14:55.100 A loser punk 0.99

02:15:10.740 No, okay 1.00

02:15:11.420 Myzam says

02:15:12.580 Not only did they do a false note

02:15:14.160 Read that one

02:15:14.620 Freology

02:15:14.960 Second amendment is vital

02:15:15.780 Because criminals are always going to have guns

02:15:17.700 No matter what the laws are

02:15:18.760 Facts

02:15:19.160 M. Lynch

02:15:21.000 Welcome to the OSS, man

02:15:22.560 Welcome to the OSS for the year, my friend

02:15:27.660 Happy to have you

02:15:28.860 Shout out to you, my friend

02:15:31.120 Welcome, welcome, welcome

02:15:32.560 To the Real Niggas Squad 1.00

02:15:33.540 We'll see what time we finish after ours, man

02:15:42.060 Maybe I'll come back and do a part two for you guys

02:15:43.720 Night train, depending on how I feel

02:15:45.540 Maybe I'll do that

02:15:47.860 So

02:15:48.960 But anyway

02:15:51.060 Alright guys, I'm going to get off

02:15:55.480 Because we've got to get going for after ours here

02:15:57.180 But I'm going to go into more detail

02:16:00.980 With all this Hasbar that's going around 1.00

02:16:04.260 So

02:16:07.880 But anyway

02:16:09.240 Guys, come on over to Fresh and Fit

02:16:12.080 Josie, can you raid me?

02:16:17.160 In there if you can

02:16:18.040 We're already live

02:16:24.380 Here's the link right here, guys

02:16:26.980 Come on over

02:16:27.540 Fresh and Fit

02:16:31.400 We're live on Rumble already

02:16:32.460 Come on over, ninjas

02:16:33.980 I'll catch you guys

02:16:36.440 Link is in the chat

02:16:37.880 Peace out, guys

02:16:40.040 And if we don't finish too late

02:16:42.080 Maybe I'll even do a

02:16:43.160 A night train

02:16:45.220 Tonight

02:16:45.720 If I don't, definitely going to give you guys a banger tomorrow 1.00

02:16:47.560 We're going to cover

02:16:48.120 This thing in totality

02:16:49.860 Because there's many things here

02:16:51.620 At play

02:16:52.960 That I want to bring to your guys' attention

02:16:55.680 So

02:16:57.540 After the ceasefire

02:16:58.480 Cool

02:16:59.980 Love you guys

The Debrief With MyronGainesX - December 16, 2025

How To Get Rich With Credit, The TRUTH About The Bondi Beach Shooters, Rob Reiner Murdered By Son？!

Episode Stats

Summary

Transcript