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Aug. 21, 2023 - Fresh & Fit

01:44:55

Best Business Credit Cards 2023

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	Cars on the list, right?
	Oh yeah, we'll use Ford's list, yeah.
	Oh, do you have that list?
	That website?
	Yeah.
	On the screen share?
	Yeah.
	Alright.
	Whatever now.
	Are we live?
	Yeah.
	Okay.
	Yeah, we live.
	You see the intro first.
	Oh, yeah, bro.
	It's fine.
	It's fine.
	You know what I'm gonna say with the band.
	Hold on a second.
	Okay.
	Alright.
	What's up, guys?
	Welcome to the Fresh to Fit Podcast, man.
	As you guys can see, we are live.
	It's a whole new setup, guys.
	I apologize for the delay in starting.
	I'm going to be in the air.
	And then Chris is doing what he does with getting some of the ladies for the show so that we can get you guys an after-hour show.
	We got the Rumble Chat over here.
	I think I'm pointing to it.
	Yeah, right about there, right above me.
	And then we should be having a chat on the side for y'all that will be showing the YouTube stuff, which we're working on getting right now on the fly for you.
	Yes.
	But, yeah, man.
	A lot of new changes coming, guys.
	I think we had a breakthrough, man, where we said, you know what?
	Enough is enough.
	No, just kidding.
	We understand what it is, and we're going to make the rules play.
	Yeah, so I think we're live on Rumble, Twitch, Twitter, YouTube, and Facebook.
	We're pretty much everywhere right now, okay?
	Can you guys see on YouTube the stream?
	Yeah, y'all should be able to see the stream on YouTube.
	Let's see here.
	Okay, perfect.
	Let's see here now.
	We're on YouTube?
	Sweet.
	So we're everywhere right now.
	We got it.
	Alright!
	We did it somehow!
	Shout out to Myron Gaines for getting Moe's cousin and Moe for getting his cousin as well.
	He's in the back.
	Yeah, man.
	To take it to the next level, bro.
	Really to customize stuff because I got some really good ideas.
	Well, I've already had these ideas.
	As you guys know, I'm fairly creative with what I like to do.
	Sometimes it's not appropriate.
	But I got some creative ideas that RFP is safe to some degree.
	So yeah, we're going to be showing the Rumble chat because my thing is I want y'all to be able to see both chats.
	So whether you're watching us from Rumble or you're watching us from YouTube, etc., you guys are able to see what's going on, get the show more interactive, show y'all the chats.
	I can see the stuff here on YouTube.
	Oh boy, Bill's going to put it up on screen for y'all right now.
	But yeah, man.
	It's a whole new setup.
	Yeah, it's a whole new setup, guys.
	So please bear with us while we go ahead and master this thing because this is all new.
	We literally started doing this.
	We started working on it last night at about...
	Two in the morning.
	And then we've been working on it all night.
	And then we did some more work on it today.
	So I kind of been like, I have my vision of how I want things to go.
	And then, you know, obviously Mo and Bills were able to kind of bring it to fruition.
	And we got some other things that we want to do as well.
	And we're going to refine it as we go.
	So we're going to make it better and better as we go.
	As y'all can see, things are getting...
	You can see the Rumble chat on one side, and then we're going to be putting the other chat on the other side.
	So, yeah.
	Anyway.
	What else?
	It's Money Monday, man!
	Yeah, it's Money Monday.
	Yeah.
	Today we're going to cover top business cards for 2020.
	We're getting a lot of free promo all over YouTube right now.
	Yeah, yeah.
	Thanks to the haters.
	Thanks to the haters, right?
	So it's a part of the game, you know, a part of the plan.
	Let them talk.
	It's fine.
	Our unpaid marketing team.
	Yeah, pretty much.
	It's crazy because everyone is preying on our downfall.
	It's amazing, bro, how a lot of people are jealous on YouTube.
	I will tell you this.
	You can see your real friends who's really supporting you in these times.
	Absolutely.
	It means a lot, man.
	It's funny, too, because a lot of the people that hate on us and don't like us is because maybe we didn't bring them on the pod or we didn't respond to a DM or something like that and people get jaded and angry and they talk smack and it's whatever.
	It is what it is, man.
	Quite a process.
	But yeah, as you guys know, right?
	News everywhere.
	We got demonetized.
	And you know, it is what it is, right?
	We kind of pushed the edge and we've known this for a bit.
	Kinda?
	We did push the edge.
	Okay.
	And you know, that's just kind of what happens when you make content like us, guys.
	It is what it is.
	If you want to be able to be We're good to go.
	Politically correct so to speak, but now we'll be on Rumble.
	Yeah, but yeah, so we're gonna we got some strategies on how we're gonna navigate that But don't worry we're here on YouTube well for now hopefully and We'll continue to be here and give you guys the value and you know at the end of the day the goal is to help you guys out New studios cut is gonna be coming in very soon.
	Yep New studio, new guests.
	Coming soon.
	New equipment as well.
	Upgrades are definitely coming.
	New travel.
	Big guest next month.
	Can't say who it is yet, but you guys are going to see.
	We're going to be in some other places.
	What else?
	This week...
	We've got Fousey.
	On Wednesday.
	On Wednesday.
	We're going to do an interview with him and then we're going to do an after-hour show.
	We'll have Sneeko in the house.
	Then we're going to go over to the tri-state area.
	I can't even name the actual state because he lives in the middle of nowhere.
	We're going to go do a pod with our boy Tim.
	Tim Cast.
	Tim Pool.
	Gonna probably talk politics.
	Gonna talk the Trump situation probably.
	As you guys know, I have intimate knowledge of that from my prior career.
	Is it me or I can't see YouTube?
	Can you see YouTube or your phone?
	I think YouTube might be going in and out because I don't Okay, now I see it.
	Yeah, are we?
	Okay.
	It's good now.
	Okay.
	Okay, so guys, if you can't see it, just refresh and then you can see us on YouTube.
	Yeah, yeah, yeah.
	Yeah, I can see us on YouTube.
	Awesome.
	Yeah, it might be because we don't have a thumbnail on it.
	Because we did it through, what's it called?
	Yeah, it's fine.
	Yeah, we'll fix that.
	Mo, you can do that in the back end, right?
	Alright.
	They got it.
	Yeah, Mo got it in the back.
	Throw a thumbnail on the YouTube thing.
	Today we're going to cover business credit cards.
	And we've got the top picks of this year for you guys.
	Do we have any other announcements before we do it?
	Rumble.com slash Freshofit.
	Yeah.
	Guys, if you really want to support us, it would be really helpful.
	Subscribe to our Rumble as a member.
	As you guys can see, you can actually see it right there at the top left, right above me right here.
	When you're on the chat on the mobile app, you hit subscribe.
	Sorry, not on the mobile app.
	On the desktop, right?
	Or on the Safari or Google Chrome, whatever your browser is on your phone.
	Hit that subscribe button.
	It's only five bucks.
	It really supports us.
	And then the most important thing, if y'all could do it, is fresherfit.locals.com.
	That really helps a lot because, and you guys can see it right there.
	We have it there.
	Because that helps us quite a bit as far as, you know, keeping things up and making sure that we can continue to give you guys this content.
	And yeah.
	And then fresherfitstoreforthemerch.com.
	There you go.
	Yeah, fresherfitstore.
	Get the hoodies and the t-shirts.
	Get the Chris's bum shirt.
	That's my favorite one that I have.
	I have a bunch of those.
	Legendary.
	Legendary.
	That is great.
	And then anything else?
	We're on Spotify.
	And then Clips Channels, of course.
	Yeah, all the URLs are below.
	Check out our Clips Channel.
	We're still posting on the Clips Channel, Fresh If It Clips.
	Yeah.
	Right?
	And then Fresh's Vlog as well, Fresh Prince CEO. Yep.
	And then check me out on FedReacts.
	Oh, yeah, I forgot to mention, I did an episode yesterday on FedReacts on the Las Vegas shooter, guys.
	It's up on YouTube and it's also up on Rumble.
	I made a whole new FedReacts Rumble, guys, so go check that out.
	On there, I can actually show you guys crime scene photos.
	Oh yeah.
	No filter.
	I can show y'all full crime scene photos, body cam footage that's graphic, too graphic for YouTube.
	So if you guys like true crime, if you guys like anything to do with law enforcement, criminal investigations, etc., serial killers, national security, terrorism, all that stuff, go to FedReacts, man.
	I cover pretty much every type of crime on there.
	And on Rumble, I'll be showing y'all...
	I'll show you guys the crime scene stuff, which I couldn't do on YouTube prior.
	So, yeah.
	Make sure to check us out over there.
	But, yeah.
	I think today's episode, we're going to be covering business credit cards, guys, which is very important.
	This is what you guys actually asked for.
	And I actually want you guys, if you haven't already, please go watch the episode that we did last Monday with my accountant, Steve.
	Yes.
	And what happened with Steve was we did an episode on how to properly start an LLC. And...
	What that did was we talked about starting an LLC, switching over to an S-Corp.
	We talked about sole proprietorships, the differences there.
	We talked about how it impacts your taxes, liability, paying yourself.
	Dude, it is the most comprehensive thing.
	Business startup podcast I've ever seen on YouTube.
	I think that's one of the best shows we ever did for starting a business, period.
	And not only that, a bunch of you guys asked fantastic questions on there about starting a business.
	Hey, I'm in this situation.
	What do I do?
	And we were able to give you guys advice with a real tax professional.
	Our own...
	Our own accountant was in here.
	Literally.
	Answering questions for y'all that charges hundreds of dollars for a consultation.
	You guys were able to chat in and get it for free or for a very low price and ask questions.
	And we gave y'all a lot of sauce.
	I exposed for the first time how I set up my real estate stuff.
	Yeah.
	I mean, honestly...
	We gave you guys our gem, basically our hidden secret.
	So now you get it for free.
	You get to know who Steve is, all the secrets of how you start LLC, and as well, the right way to do it.
	Yeah.
	But yeah.
	Okay, so what do we got here as far as...
	Mo, we're getting the Rumble Rants on the side as well?
	Yeah.
	To show?
	Mo.
	Yes.
	Yeah.
	All right.
	Okay, cool.
	Shut the screen.
	All right.
	So let's start first with...
	Well, no, you don't got a share screen yet.
	I'm going to go over what we need to do as far as...
	I'm going to go over what we need to do as far as covering...
	Sorry, guys.
	We got a bunch of stuff going on in the background.
	So what's going on?
	Like, it's literally going...
	Yeah, this is a first.
	So this is why we're, like, literally having a bunch of stuff.
	This is a first doing everything because it's...
	Very complex, but it's fine.
	We're going to master this.
	We're going to get through this together.
	First, we're going to cover business credit cards versus personal credit cards.
	As you guys know, we talk a lot about personal credit.
	Your credit score, how high your credit score is, paying off your debt, all this stuff, because it's going to be very important for you to get your personal credit up to a certain degree and then go ahead and apply for a business credit line down the road.
	Now, can you apply for a business credit line with no personal credit?
	It's going to be tough, man.
	It's going to be very difficult.
	It's better off for you to have good personal credit and then go ahead and leverage that to get yourself business credit.
	It makes it way easier.
	It makes it way easier, right?
	Is it possible?
	Of course.
	Anything is possible.
	But I think it's more efficient and easier for you to do it from a perspective where...
	You have good personal credit, right?
	We tell you guys, you typically want to be 720 or above, and that will set you up for success.
	And even when it comes to getting a job, you know, renting an apartment, getting a car, personal, at the very beginning, you want to have that good credit because it's going to help your life regardless, so get it done.
	Yeah, so get the good personal credit, and then go ahead and use that good personal credit to go ahead and leverage and get yourself business credit.
	Now, you guys might be wondering, yo!
	Well, what's the difference between having personal credit or what's the benefit?
	Like, if I got good personal credit, why do I need business credit?
	Well, there's three main reasons, right?
	With business credit, guys, you get a lot of the sign-up bonuses that these cards give you, which we're going to talk about here in a second when we go through some of these credit cards, right?
	You get a bunch of, you know, free miles.
	Typically, it starts like this.
	Hey, spend $1,000 in the first month or two months or three months, etc.
	With the business credit cards, it's typically more.
	Spend $10,000 in the first three months, blah, blah, blah.
	And, you know...
	Earn this amount of points, whatever, right?
	And the thing is, if you have a business and you're going to spend that money anyway, it's a no-brainer.
	Like, do it, right?
	So that's number one.
	You get sign-up bonuses.
	Number two, it doesn't ding you on your personal credit, right?
	That's huge, by the way.
	That's huge.
	So as you guys know, if you're running a business, right, your spend is going to be significantly more than what you spend on yourself.
	But if you watch our other episodes on credit, one of the biggest factors when it comes to your credit score is utilization, okay?
	So let's say you have a personal utilization of $10,000, right?
	Like let's say all your credit cards, the lines combined, $10,000.
	Let's say you buy something for your business for $5,000.
	You spend $5,000 on your business, $6,000, whatever.
	But you do it on your personal credit cards.
	Well, what's going to happen is your utilization is going to go up to 60%.
	Well, what ends up happening, guys, is if your utilization goes up above 30%, it starts to negatively impact your credit score.
	And your credit score changes every week, right?
	If you're applying for a home or a mortgage, you're trying to get a car loan, etc.
	Like, that will ding you and hurt your credit score to a degree, and it could potentially put you in a situation where they're going to say, oh, this guy's not a trustworthy buyer.
	And you don't want that, okay?
	So, that's why you typically don't want to put business expenses on your personal line of credit.
	Because your utilization's going to go up.
	When your utilization goes up, it's going to hurt your overall credit score, which will hurt your trustworthiness when you apply for a line of credit.
	But when you use a business line of credit, they know that you're going to spend a lot more money to run your business than you would on, say, a personal credit card.
	So utilization doesn't have the same impact on your business line of credit.
	So that's why it's so important, because especially if you run a brick-and-mortar business, let's say you run a restaurant, you're going to spend a lot of money on food, Payroll, potentially.
	Supplies.
	Equipment.
	Upgrades.
	It's going to be very expensive for you to run a brick and mortar type business.
	Could you imagine putting that on your personal credit?
	That'd be crazy.
	Maybe in the beginning you could do that just to get things going, but you want to switch to a business credit card immediately so you can go ahead and alleviate yourself of that burden of carrying that high utilization.
	We teach you guys how to decrease your utilization percentage by opening up more lines of credit and asking for increases on your credit line, which we've taught you guys before.
	Call in, use an app.
	Hey, I've been good with paying on time for the past month or whatever.
	Can I increase my credit line from, let's say, 2,000 to 5,000?
	And just by you doing that a lot of times, that will decrease the percentage of credit used, right, on the credit lines that you do have, and then your credit score is going to increase as a bipartisan.
	Does that make sense?
	Give me once in the chat, guys, if that makes sense to y'all what I just explained as far as credit utilization and the importance of keeping it down and how a business credit line is not necessarily going to affect your utilization and lower your personal credit score.
	Give me once in the chat if that makes sense.
	I know that was a little all over the place.
	Long-winded.
	You're talking about leverage, because personal credit cards do have the place for the person, but at the same time, it will cost you because it affects you personally.
	Business, on the other hand, is more of like, you know what, okay, you spend the money on a business card, right?
	It goes to business.
	Real quick, guys, if it's a two...
	Type 2 and why it doesn't make sense.
	Sorry, continue on.
	It's mostly ones, yeah.
	And then for business, it's like, okay, let's say you're using a business card.
	You can use that as leverage because now it doesn't show up on your personal credit.
	The only downfall is if you don't pay it back within a 30-day or 60-day period.
	Depends on which card you get.
	Yeah, depending on the card.
	Then it'll go to your collections and personal.
	But at the same time, you have a time period where you can just use that leverage, get what you want for your business card, and at the same time, not have a thing on your credit score.
	And guys, the name of the game, and I want to make this very clear because this applies to all credit cards.
	Credit cards are basically you using other people's money To procure things that you were going to buy anyway, while simultaneously building your credit, building your trustworthiness, and keeping your own capital safe for a period of time.
	It gives you basically a 30-day grace period, or maybe more if you want to pay interest, to hold on to your cash for other more important things or emergencies and use other people's money.
	Alright?
	So that's why it's so important.
	And you get benefits for it.
	So if you're watching this show right now, and you use a debit card, I need you to cut that debit card right now and apply for a credit card.
	I don't care if it's a secure credit card.
	I don't care if it's a piece of crap credit card that doesn't give you benefits.
	It has an annual fee and it gives you zero benefits.
	You need to build your credit, guys.
	You should never be paying for anything in cash.
	You should never be paying for anything with a debit card.
	You shouldn't be using cashier's checks.
	None of that.
	You should always say, Do you guys accept credit?
	And try to pay everything in credit card, guys.
	I'm serious.
	I've taken it so far where I will pay credit card processing fees to use a credit card.
	Because that's how important it is for me to use a credit card.
	Because when I look at it like this, okay, I might pay a little bit more, but I'm getting points back.
	And most importantly, the transaction is documented.
	If the transaction is documented, guess what I can do?
	I can write it off at the end of the year.
	That ability for it to be documented overrides saving a couple of bucks to pay for it in cash or whatever.
	But Myron, I can get it documented on my debit card too from my bank.
	Yeah, but now have fun with that.
	You're going to give your accountant your debit card statement, your credit card statement, your business credit card statement.
	No, you're better off.
	Make your accountant's life easy.
	Hey, end of the year, January 1st to December 31st, For the entire year, you print out that credit card statement from your business.
	Bam!
	Done.
	I got one credit card I used for Fresher Fit.
	I got another credit card I used for my real estate business.
	And I basically give both to my accountant.
	It makes his job super easy.
	Because he's able to take all those expenses and categorize them as he needs to for taxes.
	But people forget that also it's about protection too.
	Because protection goes a long way.
	So let's say you're at a gas station, right?
	And they have one of those phony filters.
	Skimmers.
	Yeah, skimmers.
	On the gas pump to put the credit card.
	You put in your debit card.
	Okay, 100 bucks in gas.
	Cool.
	But really, they stole your money.
	So now it's gone.
	You're like, wait, what's going on?
	You call the bank.
	Hey, I was at Shell Gas Station and they sent my money.
	Oh, well, sorry.
	You know, it's a debit card.
	We can't help you.
	Versus a credit card.
	Hey, this happened to me at Shell Gas Station.
	Now my money's gone.
	What can you do about it?
	Okay, credit card.
	Easily returned.
	You're good to go.
	So I would just say protection-wise and security-wise, credit cards go way longer.
	And as well, bro...
	Any type of scam or issue that you might come up with, you just make a phone call, it's resolved.
	So honestly, security is another reason why to as well.
	Yeah, I forgot to mention that.
	Almost every credit card is going to have fraud protection and all this other stuff.
	So it's an added insurance policy towards you getting your stuff.
	Because I can't tell you how many times my wallet's gotten stolen or I lost my card.
	Or someone swiped the credit card numbers and you see weird ass charges in other countries.
	So having your...
	Having a credit card also gives you that extra layer of protection where you're able to get that money back.
	Most credit card companies understand that and they're able to get you a full refund.
	This is fraud, dude.
	The money's being spent in San Francisco and I'm over here in Miami or something.
	It is so bad, people misuse the system because they're going to give you your money back with a credit card.
	And I see some of you guys on YouTube saying, yo, I can't super chat or whatever.
	I might have a question.
	Go on over to Rumble, guys.
	Right?
	Rumble.com slash Fresh and Fit.
	Watch us over there.
	And what I want you guys to do is shoot in your Rumble rant over there.
	Right now, we're setting up something with Streamlabs for y'all as well, where you'll be able to super chat through there.
	On YouTube.
	But it's not done yet.
	And we want to make sure we roll it out correctly before we roll it out for y'all.
	But in the meantime, go on over to Rumble, if you're watching us on rumble, rumble.com slash fresherfit, and get your rants in there.
	You can actually send in your Super Chat right from the app.
	Okay?
	So in the Super Chat, if you want to send a Super Chat through Rumble, or it's called the Rumble Rant, it's right there.
	And then if you want to subscribe, you can also do it from there as well.
	It's five bucks.
	Yeah, it's five bucks, man.
	So subscribe to the channel.
	You basically become a member.
	And we got emotes over there, too, for y'all.
	Funny emotes.
	So, yeah, man.
	Become a member.
	Support the channel.
	It'd be great.
	All right.
	So let's get some of these.
	Mo, do we have Rumble Rants ready to go?
	Oh, good to go.
	Yep.
	Mo got it.
	Yeah, Mo got the Rumble Rats.
	All right.
	All right, let's shoot, because I want to answer some questions before we get into the...
	Here we go.
	Other name taken.
	500 bucks.
	Shout out to you, bro.
	Don DeMarco.
	Thank you so much, bro.
	I got no online presence.
	Signed up here only...
	Let me finish.
	Yeah.
	Signed up here only for you guys.
	F the haters.
	Happy to help if you need another to help move.
	Keep on representing the best of men online.
	Wow.
	That means a lot, bro.
	Thank you so much.
	That's a lot of support, bro.
	Appreciate you, man.
	FJ92. Follow up the YouTube news with one of your best episodes ever and on and off day.
	Yeah!
	Guys, please go watch the episode that we did with Psych Hacks.
	That was amazing.
	That was really good.
	We talked about psychology from both genders.
	Of value.
	Yeah.
	And he broke it down in a scientific and also want to say most practical way I could ever see possible.
	Yeah.
	And he's a real psychologist.
	Yeah.
	We get both perspectives, guys.
	So he had Myron like this.
	Holy shit.
	Yeah.
	A lot of really cool analogies.
	So, yeah.
	And you know, wait, let me finish reading it, though.
	It's okay, guys.
	It's Bill's first day on the job, so.
	That's why this channel will never die.
	The women treat men like jobs analogy made so many things more clear.
	Got you, bro.
	Yeah, that's true.
	Yeah.
	Yeah.
	Guys, go watch that episode if you haven't already.
	What else?
	Last call in.
	Fresh told caller he'd wait until saving 50k before buying first property.
	Does everyone agree?
	Which loan?
	Can you break down how much money, buy, down payment, emergency fund, monthly, etc.?
	Yeah, so I remember that call.
	It's because...
	When you buy a house, guys, remember that you're buying the house and you're making a down payment and a closing cost.
	But don't forget, things will go wrong.
	I think it's called Murphy's Law.
	And trust me when I say things will go wrong.
	So let's say you buy a house, right?
	You spend all your money you saved up to get this property.
	Awesome!
	You got it!
	But the problem is, when the roof has issues, let's say the bathroom has issues as well, let's say the sink is dripping, let's say things go wrong with your property, you have no reserves, what's going to happen is you can't fix it.
	And over time, tenants get upset, or even yourself, and then what...
	The worst part is being house poor.
	When you're house poor, you can't do anything about it.
	So my thing is, save the money from the very beginning, get a property, of course, but have a statement so that when things go wrong, you can fix it right away, or call somebody to fix it for you.
	Yeah, you don't want to, um...
	And I mean, yeah, we can be honest here.
	The reason why Fresh can tell you guys this is because Fresh made that mistake when he bought his first property.
	He didn't have any reserves.
	He basically had all his money to purchase the property, cover closing costs, and that was pretty much it.
	And I spent two years saving that money, by the way.
	So it was tough.
	You definitely want to have reserves.
	So we're telling you guys that so that you don't end up in a situation where you get into the property and now you can't even put it on the market because you have something that won't make it rentable.
	Yeah.
	You know what I mean?
	Because you don't have enough money.
	So you want to have money in reserves, guys, for each of your properties.
	You know...
	And I explained this in the last episode, and I'm going to have more detail for y'all.
	We should do another Real Estate 101 for these guys.
	And we will, don't worry.
	But I'm going to break down for y'all setting up your LLCs, having a holding company for your LLCs, having bank accounts for each LLC so that that money is there that you can use for each property, etc.
	But the main point I want to tell you guys is peace of mind.
	Because peace of mind means you get a property, you know you have savings, so no matter what happens to your property, you can cover it without any shadow of a doubt.
	Yeah.
	Cool.
	Alright, what else do we got here?
	And let's keep the clean chats, because we're still on YouTube.
	Mo?
	Yes.
	Because I know on Rubble, they'd be going crazy over there.
	Which I love it!
	Only the good ones!
	Yeah, just for now, because we're still on YouTube.
	And yo guys, if you guys are on YouTube, we never forget about y'all.
	Like the video, please subscribe to the channel if you haven't already.
	And let's keep going.
	What else do we got here?
	Digital John goes, let's go, boy.
	Still not subscribed because I can't find the button, but we'll do as soon as I can.
	Yeah, it's tough, bro.
	So what you got to do, bro, is you got to go over, and Rumble's going to fix this.
	We're talking with the CEO about this.
	You got to go on Safari on your phone or Google Chrome, whatever your browser that you're going to use, and then open up Rumble there, and it's going to have a subscribe button.
	And then you hit subscribe once you click the channel.
	So you go to a live episode, or when it's already been aired, you go to your chat, it'll say subscribe at the right bottom.
	And I'll demonstrate it for you, too.
	And you guys can see it from there.
	But yeah, you know, We're working on it.
	Yeah, we're working on it, man.
	And then we're going to get the...
	To make it easier for y'all, we're going to get the Streamlabs thing going too for the YouTube guys so that they can just click that link and go in and bam, we'll be able to...
	It'll pop up on screen for y'all.
	I think by Wednesday we should be good to go.
	Yeah, we should have that for y'all.
	Don't worry.
	And we're trying to do it in a...
	We're not just trying to do it.
	We're trying to do it at a high level where it's like funny and animated and stuff like that.
	And yeah, we're going to have some fun.
	You can add gifts to the actual donations too.
	Which is dope.
	We're going to make it lit for y'all.
	My goal isn't to just sit here and be like, oh yeah, let's collect money.
	No, our thing is I want to make sure that number one, you guys get heard.
	No matter what platform you're on.
	And then number two, you can ask the questions.
	It's interactive.
	And that's another thing too.
	Bro, we're live.
	Interactive.
	Reading your chats.
	Answering your questions real time.
	As Chris would say, we do it live.
	We do it live, bro.
	So, that's why, like, I don't even get mad.
	Like, these haters, they talk smack.
	And I'm just like, bro, y'all not even close to us.
	Like, what do y'all do?
	You guys are just waiting for news, right?
	You guys want to go ahead and just talk about us all the time.
	They're going to get curious.
	They come on over to Fresh DeFi.
	They're like, wow, wow, this is a lot of value.
	I'm going to subscribe.
	I'm going to watch this channel.
	You're like, what's the news?
	No, what's the value, bro?
	Yeah.
	You have no value.
	You have no value.
	So, okay.
	You guys are basically glorified TMZ channels is what y'all are, man.
	It's ridiculous.
	Don't worry.
	We'll give you a payday.
	And the thing, too, is that people try to say, oh, Myron cried.
	Let me make this very clear.
	I didn't cry.
	I was very saddened by the fact that our reach might get hurt and we can't reach more men.
	Pause.
	And help them with the situations that they might be in.
	Guys, I got a DM, right?
	I talked about this on FedReacts, but I really want to mention it here too.
	I got a DM from a guy, right?
	And he told me he had the day picked out, he had the tree picked out on a hill in the UK, that he was going to go ahead and end it all, right?
	And the only thing that held him back is he was waiting for good weather so he could look at something beautiful before he passed, right?
	And two days before he was going to do it, he stumbled upon our podcast.
	Started binge-watching it and said, I'm not gonna do this anymore.
	In other words, he turned into Leonardo DiCaprio.
	So he decides he's gonna keep going.
	Fast forward, has a six figure job now, has a child, has a wife, has a family.
	That is why I was sad.
	It's not about the money guys.
	I have 14 real estate properties.
	I'm fine.
	Fresh is fine.
	It's about keeping the show going for you guys.
	People said, oh, Fresh, you're so nonchalant.
	Because we're good, bro.
	We're really good.
	However, for you guys, this can't end.
	You can't.
	Because when I saw that message, and I literally have hundreds of these messages, guys.
	Right?
	That's when I was like, this is bigger than us.
	That's why I was sad.
	And that's why, because, again, from my prior profession, I've saved lives.
	I've actually literally went out and saved people's lives.
	And I'm doing the same thing here, on a bigger scale, on a worldwide scale.
	This is someone from the UK. I get messages from guys in Australia, get messages from guys in other countries that aren't even English speaking, right?
	Saying that, yo, we need to translate your content to Portuguese, to Spanish, to Arabic, to Russian.
	People need to hear this stuff.
	Right?
	Do you think these haters that talk about us, do you think they want to translate their reaction videos?
	No!
	Bro, I go outside.
	I go to events.
	I talk about the guy that I met at the event.
	He said I was broke, working in security.
	I started an episode about crypto.
	I bought some.
	I bought Ethereum.
	I bought Bitcoin back in the day.
	And back then it was super low, thanks to Miguel and Charlie for telling us when to go buy it.
	He bought it.
	Portfolio is $600K now.
	And it's like, okay, we add value every single day, but when someone takes the advice that we give for people to follow and actually apply it, it works in real time and real life, and they get results.
	So, I mean, honestly, man, these people get pictures with people, maybe they're fans, but do they add real value?
	No.
	So, it is what it is.
	Yeah.
	So, like, from a financial perspective, personally, I'm fine, right?
	I knew that this could potentially happen, so that's why I started investing in real estate like crazy.
	But like I said before, my thing is, I was sad because I was like, damn, we have people that really need us, and like, let's...
	That's just one guy that messaged me his plan that we stopped.
	How many others?
	Oh, there's many.
	You know what I mean?
	A lot of people aren't going to open up about something like that.
	That's a very difficult situation, very traumatizing situation.
	So, you know, it is what it is, and I'm like, damn, well, if we aren't on YouTube, it's going to be very difficult for people to find us to get the message.
	And then, people are making fun of that video, but you don't understand, like...
	We put in so much work.
	And I would extend the favor and say Mike put in more than me because he gave up his, I want to say, living quarters for the studio.
	I didn't.
	He did.
	He also gave up his career that he loved.
	I mean, bro, like, to be fair...
	If it were up to me, I'd be in a shoebox apartment.
	If it were up to me.
	To be fair, I didn't like my job that much.
	It was cool, but it wasn't like, oh my god, I love my job.
	Oh, he hated his job.
	But at the same time, to give up what you love for a maybe mystery that you might love, which he does love now, it was a lot.
	So, I mean, you make fun of him, but you don't understand what we went through to get to this point.
	And as well, all the hate, all the, I want to say, bad press, all the bad things that happened to us.
	Dude, this is why I can understand Andrew so much.
	Because I can't imagine what he's going through.
	Yeah.
	Compared to what we went through.
	It's a lot still, but that's 10 times.
	That's why we defend them so hard.
	That's why we defend them so hard, because we know what it's like to be on national news.
	International news.
	That's a big reason why we went viral, because on TikTok, whatever, we'd go viral, and then they'd, oh, misogynistic podcast, blah, blah, blah.
	We've gotten death threats.
	We've gotten people trying to do stuff to us in public.
	It's just like...
	You understand, like, at the same time, you guys laugh and say it's funny, but it's not, because if you were in our shoes, you would understand it takes a sacrifice that most people don't want to give up.
	Yeah.
	And, you know, it is what it is, right?
	But, yeah, I mean...
	And then to be here, every Monday, Wednesday, Friday, no matter what, rain, shine, snow, and as well, we were here for two years.
	We've never really taken more than a week off.
	And even if we did take a week off, we were out filming other content with other people.
	The first two years, we were here Monday to Sunday, every single day.
	Who does that?
	We have 1,700 videos on Fresh and Fix.
	Who does that, bro?
	And we haven't been on for three years yet.
	October 26th is going to be three years.
	Who shows up every single day for two years straight for a maybe?
	And then also, I want to extend a big shout out to Rumble because Rumble...
	Got our backs.
	We're good.
	We got something in place with them.
	So we're straight, guys, from that perspective.
	That's what we say.
	Support Rumble.
	Yeah, support Rumble.
	You support us.
	Because Rumble supports us.
	So we're good, but we need y'all to support Rumble because Rumble is really the home of free speech, man.
	You talk about guys like us, Steven Crowder, Andrew Tate.
	I'm drawing a blank right now.
	There's so many.
	A lot of the top conservative creators are on Rumble.
	Bongino?
	Yeah, Bongino.
	Yeah, bro.
	And it's about to be an election year, guys.
	You know what time it is.
	You know what time it is, bro.
	Okay, let's keep going here.
	We have various layers.
	CEO Network, let's go!
	Shout out to my boy Cody, man.
	I was supporting.
	Burberry831 says, I was about to take my main to Cabo this week, but over the weekend she threw a fit.
	About being a boss B, now I'm flying out to the PBD event next week.
	Y'all going?
	Uh, no.
	But, have fun there, brother.
	And, um, yeah.
	Yeah, shout out to Valu Taylor, man.
	If she's throwing a fit, bro, you know what time it is.
	Steven Jonas, uh, says 562.
	My favorite part of Fresh and Fit, if I can't watch Money Mondays live, I watch it during lunch.
	Love y'all.
	You saved my life and helped me get my fantasies in order.
	And we're not fucking leaving.
	There you go.
	Shout out to you.
	And guys, if things seem segmented, it's because we're using a whole new streaming platform right now.
	Yeah.
	I said no Slumyard.
	I'm like, wait, this is a little off.
	Blah, blah, blah.
	It's because we're using a completely different thing.
	We're using Streamlabs and OBS and all this other stuff, which is a lot more complex than Streamyard.
	So we apologize.
	It's our first time doing it.
	So don't worry.
	It's going to get better and better as we continue to practice.
	You guys are going to see more and more additions to the show.
	But this is kind of how it is.
	When you upgrade, you kind of have to go through some trials and tribulations, figure it out, master it.
	Once you master it, then it runs seamlessly.
	But yeah.
	Santino!
	Shout out FNF. Thanks for fighting back and not giving up.
	Shout out to you, bro.
	Absolutely, bro.
	We got Apolino says, let's go!
	I started my second LLC, so I need this video.
	I appreciate you.
	Oh, Apolino, go watch our episode that we did with Steve.
	You need to transfer that to an S-Corp immediately, my friend.
	Yeah, see if I'm accounting.
	Unless it's a real estate property.
	Okay.
	Yep.
	Paul Maurice says, 5 for the fight against the Matrix.
	Love you guys.
	WFNF, WTates.
	Alright, shout out to you, bro.
	Steven Jones says, I'm a full electrician and just started my LLC. With contractors licensed for the LLC, getting my S-Corp, need help with marketing ideas, and company credit cards.
	Let's drop off business cards on doors.
	So I guess he wants the marketing tips, basically, for his business.
	I mean, bro, honestly speaking, we did a show with Jeremy, right?
	Yeah.
	That's a really good show on marketing.
	Oh, yeah.
	Using Facebook ads and stuff like that?
	Using ads?
	Yeah.
	Because the old school way of doing hard-knock, guerrilla stuff is cool, but people don't really respond to that like they used to, so I'll do online tactics now, if anything.
	Yeah.
	And another thing you could do is you could pay for promo.
	That helps quite a bit too.
	Like jumping on a popular podcast, jumping on Instagram, paying for promo, that will help you quite a bit.
	I gotta say this, man.
	Radio, newspaper is kind of dead.
	It's dead, bro.
	Podcasts are the new wave.
	I'm telling you this right now.
	If you don't believe me, what is everyone doing right now?
	Starting a podcast.
	I'll give you an example.
	Look at someone like Vivek Ramaswamy, right?
	Running for presidency from the Republican Party, right?
	He's jumping on all types of platforms and do a podcast because alternate media is like the new media now.
	People don't trust the mainstream media anymore, right?
	They see what's going on with Trump.
	Wrong.
	And they're like, yo...
	You are fake news.
	So it's just like people are understanding, yo, I need to go ahead and get my information from other alternative media sources, right?
	Whether it's us, Joe Rogan, they're talking...
	Who else?
	I'm trying to think here.
	It would be some alternative.
	Tim Kass.
	Yeah, Tim Kass, right?
	Crowder, Bongino.
	Like, people don't trust the mainstream media anymore, bro.
	Yeah.
	I mean, they've been caught lying to us a bunch of times.
	I mean, you guys, we've exposed a bunch of it for y'all anyway on Rumble, right?
	When we talk about 9-11 and all the stuff that went down.
	So anyway, what else?
	Speaking of Rumble, we should go to Rumble.
	Okay.
	Well, we got to still cover...
	We should show up.
	Oh, and so we covered the differences between personal credit cards and business credit cards.
	Why do you need it?
	Why you need it.
	Two-go-seven to cover.
	Yeah, so number one, we said, again, just a quick little recap.
	Difference between personal and business.
	Then we talked about the benefits of a business credit card, right?
	You get sign-up bonuses, right?
	So you can basically double-dip with sign-up bonuses.
	You don't incur...
	Debt on your personal debt, because it's a business credit line, so it doesn't affect your personal credit to the same degree, so you can charge more.
	Also, business credit cards typically tend to give you guys higher limits, which is good.
	And then it allows you to build your business credit, which is good.
	So the credit is tied to the business versus your personal name.
	And else was security as well.
	Yeah.
	And scam.
	Exactly.
	Yes.
	And okay, so we're going to go ahead and name some of the best business credit cards for y'all, which me and Fresh have some of these so we can talk to you guys from a personal experience standpoint.
	This year.
	Yeah, this year.
	Because they change each year.
	Yeah, so we went ahead and pulled...
	You pulled this list, right, Fresh?
	Yeah, from Forbes, actually.
	Yeah, from Forbes.
	Okay.
	So we're going to go ahead and identify some of the best ones from this list.
	There's a bunch of them here, but we're going to give you guys some of our personal favorites and kind of go through it.
	And what we'll do is we'll take you guys to the actual website.
	Guys, real big pro tip right here, okay?
	Before you sign up for a credit card, right?
	Please.
	Simple.
	Make sure you go to the website and look at their current benefits, okay?
	Because it happens all the time.
	The credit card market is extremely competitive, right?
	And extremely restrictive to a degree.
	And what I mean by that is a new credit card will come out.
	It'll be too powerful, right?
	Just like a new character in a video game.
	They'll nerf it, right?
	And then you'll sign up at the worst time after they nerf the credit card.
	And then what ends up happening?
	Sign-ups go down, and then they'll bring back that good sign-up originally that got nerfed for like a month, and you missed the window.
	Because a lot of times, once you sign up for the credit card and you get that bonus, you can't get it again.
	Done.
	Here's another advanced tip as well.
	If you want to be smart about it...
	You get points for the sign-up right away.
	So let's say you go to American Express, right?
	You look at her platinum card.
	You might get like 150 points per se.
	However, if you Google American Platinum Business Card, there's other alternate sites that give you more points for that same card.
	So if you can find those same...
	Let's say you find American Express platinum card for 150 points sign-up, right?
	That's cool.
	But you can go to like, I guess, Ali something card express.
	You can go there as well and get that same card for like 200 points.
	So you can get more points from alternate websites than the real one as well.
	And then sometimes there's benefits that you get with a credit card where if you sign up in branch that you might not get when you sign up online.
	True.
	With the really good cards.
	So the point I'm trying to make, guys, is make sure before you sign up for the credit card, Because sometimes people advertise and tell you, oh yeah, look at all the benefits this credit card gets.
	Go to the live website and see what their current benefits are because they're always changing it around every year, every season, etc.
	Because the credit card market is so competitive and they're constantly nerfing cards.
	Or, find a friend that has that card, get a referral code from them, you both win.
	That works as well, too.
	That works as well, too.
	They could put you on.
	So, cool.
	And then the other thing, oh, another pro tip.
	If you have a credit card, right?
	Let's say you have a personal credit card with Capital One or with American Express or whatever.
	It's going to be a lot easier to get a business credit card through them.
	That is true.
	Okay?
	So keep that in mind as well.
	Or if you bank with them personally.
	Like Chase.
	Yeah.
	And I actually suggest, and we talked about this in our other episodes, if you have a personal, like let's say you have a Chase Bank account, right?
	Mm-hmm.
	Well, getting a Chase credit card might be a good idea for you because it's going to be easier for you to go ahead and get around the application process.
	You might be able to, if you have a degree of history with them, it'll be easier for you to get approved.
	And hopefully you're not a negative account or you're a Chase account.
	Yeah, yeah.
	Hopefully you're on positive.
	Yeah, please.
	Please apply with somebody in the bank.
	Yo, niggas are overdraft.
	Can I get a credit card?
	You can't get one.
	If you're going to go and apply for a credit card through your bank, don't have negative money in that bank, okay?
	Don't be overdrafted on that bank.
	I need some more help, man.
	Give me a card.
	Don't do that.
	Be in good standing with that bank if you're going to open up a bank credit card with them.
	And the reason why I say that is, for example, Bank of America, guys, has some pretty good cashback credit cards.
	They have one credit card, right?
	That you can literally take the balance, like the credit card balance, and shift it to your checking account.
	That's huge.
	Like, I forget, it's the...
	Do I have my wallet with me?
	Okay, I'll pull it out for you guys here in a second.
	But it's a Bank of America rewards card.
	And let's say the limit is like $10,000 to $20,000, $30,000, right?
	Because the limits can go up that high.
	You can literally do a transfer balance and move it over to your checking account.
	And the reason why that's really helpful is because, let's say you want to buy real estate.
	Now, you can leverage that personal credit card, put cash into your account, right?
	Maybe you say you needed some money for closing costs or whatever.
	Use it.
	Boom.
	Now you're able to go ahead and purchase that property.
	And then you can turn around and do a cash-out refinance and pay that back.
	And a lot of times they give you an 18-month grace period.
	Where you're able to not really incur interest or defer payments or whatever it may be.
	And the only thing they're going to charge you is what they call a transaction fee.
	Typically somewhere between 2% to 4% of whatever you borrow.
	That's huge!
	You become your own mini bank.
	Yeah.
	Pretty much.
	That's huge!
	You basically were able to leverage a credit card, turn it into cash, take that cash, use it to go buy a real tangible asset, that asset pays you back money real time, now you own that property, you control that property, it's giving you tax benefits, it's giving you real cash flow, it's giving you depreciation, it's giving you cost segregation, which was gonna knock down your tax bill significantly, and that property is gonna appreciate over time!
	See, I wish I knew this at 18 years old, bro.
	Holy moly.
	If you're in the chat right now and you're 18 years old, you're blessed, bro.
	Yeah, bro.
	Just saying.
	That's crazy, right?
	So just by having a good credit score, you're able to get credit cards that give you cash that you can use to buy assets.
	Now, with that said...
	Don't be an idiot, guys.
	Getting into consumer debt, buying bags and really nice clothes and all this other stuff, going on fancy trips.
	Nah, you don't want to do that.
	And I told a story of my friends, sorry, people that I knew early on in my career, where they spent their whole time getting store credit cards like Macy's, you know, Dillard's, and they would go shopping with those cards and never pay them back.
	And then they get older, oh, I want to go buy a house.
	Well, sorry sir, you spent your whole young career buying clothes and not paying for the card.
	I mean, common sense would tell you you gotta pay by your debts.
	But again, personal debts are terrible.
	Business debts can be assets which can help you in the future.
	All right, so let's pull up that screen with some of the best credit cards, and we can kind of go through them one by one.
	Yes.
	All right, so best credit cards of August 2023, and this comes from Forbes, okay, guys?
	Yes.
	And some are better than others, but we'll go into, let's go into the ones that you like fresh first.
	Yeah.
	So actually, the first one here is one I have with me right now.
	Okay.
	The Inc.
	Business Unlimited credit card.
	Now, I am actually kind of lazy when it comes to using my cards because...
	Can you click apply now so that we can actually go to that website?
	Yeah.
	Real quick.
	Because I don't want to spend time looking at bonuses, offers, what's good for that month.
	I'm just lazy when it comes to that.
	I just want to swipe, get points, and call it easy day.
	Now, this card is the definition of easy because, once again, you get unlimited...
	1.5 cashback on everything.
	Okay.
	So there's no thought to it.
	It's like you swipe your card, you get that money back.
	Okay.
	So let's explain what cashback is for the people because some of them might not know.
	Guys, cashback is basically whatever you spend, you get a percentage back.
	So if you spend $100, you get $1.50 back.
	Now, some of you guys might be saying, well, Myron, that doesn't really help.
	Well, over the course of a month...
	A year, years, that adds up very quickly, okay?
	And that's why we tell you guys, you typically want a card, if it's gonna give you cash back, to be at least 1.5 to 2% cash back.
	Now, this isn't a cash back card.
	It's not.
	But, it does cash back as well as the many other benefits.
	So, cash back is a very good, let's say you don't have a business yet, or you're just a college student or whatever, or you're just a guy that just wants to get some kind of credit card reward.
	Cash back credit cards are your best friend.
	Because that will give you...
	That's what I call the catch-all card almost.
	Is that like...
	Because you got travel credit cards, you got business credit cards, you got cash-back cards.
	Cash-back cards is what most of you guys are probably going to want to have.
	You want to have at least one good cash-back card in your wallet.
	Yes.
	Okay?
	But this one is a multi-use card.
	So let's pull it back up.
	Now remember, this is a business credit card.
	So you want to use it on business purchases only.
	Yep.
	Okay?
	Now, this card also has no annual fee.
	Yeah.
	That's big.
	So this is a W. Because I'm going to tell you a secret right now.
	So, I recently went to Jamaica.
	And they're not paying us to tell you guys this, by the way.
	They're not.
	This is all personal stuff.
	We're just giving y'all sauce just because.
	And you pick whatever works for you.
	Now, recently, I just went to Jamaica with some people.
	And I want to say who I was, a celebrity.
	But at the same time, I flew first class.
	And you know me, bro.
	I don't fly first class for nothing.
	But when I got this card at the very beginning, I got bonus points.
	Now, I told you guys earlier, you can find points on a website like Chase.com.
	They give you maybe 70,000 points, 100K points, something like that.
	But, I found a car on an alternate website.
	I got 120 points.
	120K points.
	Which means, I got a huge signing bonus and...
	Cashback.
	So, what did I do?
	The points I never used.
	So, I booked the flight first class with my points, and I got a bunch of points still left over.
	So guys, you can get these cards relatively easy with a Chase account and Chase history, but I would say to me, the cashback is amazing.
	I don't think about it.
	And then as well, you can also as well use the bonus points to get whatever you want.
	First class, you know, flights, hotels.
	But there's some other points here as well you can add to this card.
	Flexible.
	Redemption options, redeem rewards for cashback, gift cards, travel, and more, using Chase Ultimate Rewards.
	Also, 5% cashback on Lyft through March.
	So you can get cashback on different categories as well, but focus mainly on mine.
	And real quick, I want to say this.
	It looks like we got some haters in the chat.
	Oh, we do?
	Yeah, we do.
	Welcome!
	So you know what?
	Welcome.
	Welcome to the show.
	I know some of you guys came from maybe a pair out there in Canada or whatever.
	What I want y'all to do, yo, don't restrict their chat.
	Let them say what they want.
	Because unlike them, we're not going to hide comments.
	There you go.
	So let's let them go ahead and say what they got to say.
	That's fine.
	Maybe you guys might get some value coming on over here.
	Okay?
	Or not.
	I don't know.
	But it's very interesting how they come over and watch our stuff.
	I don't understand that.
	If you don't like someone, why are you watching their stuff?
	Actually, a lot of their fans came over and became our fans with the value.
	So guys, mods, mods, please.
	This just came to my attention.
	Let them say what they want to say.
	It's fine.
	Let them say what they want to say.
	Free speech.
	Let's do it.
	Let them say what they want to say.
	America.
	Yeah, because they're here watching.
	Maybe they might be able to get some sauce.
	Let's go back to the ink.
	Alright.
	And then, like I said before, there's more points here.
	Now, you get a one-time bonus, actually, of $750.
	So that's pretty big, because you pretty much get a free card, because there's no annual fee, and you get a cash bonus of $750, if you want to, with the points.
	Yeah, and you spend...
	You've got to spend within a month, which is nothing, $2,500.
	Okay.
	You can earn up to $1,200 free money your first year.
	That may fluctuate depending on when you get the card, but whatever amount it is for that month or whatever you got to spend, just spend that amount.
	And if you're spending money in business anyway, you can spend the money regardless, so get points for it and you get cash back too.
	Yeah, guys, please just don't buy stuff in cash or with your debit card.
	That's all.
	I just don't want y'all to do that, bro.
	Yeah.
	I want you guys to get rewards, get money, get travel points, get a benefit for you spending money, bro.
	Yes.
	Now, this card has so many benefits, but there's a downside to the card.
	Yeah.
	Which is, when you travel, you will be charged transaction fees for being in a foreign country.
	Ah, foreign transaction fees.
	I know it sucks, but there's no...
	This is actually very common with cards.
	Like, unless you're with a really good travel credit card...
	A lot of times you're going to have to pay transaction fees.
	Yeah.
	Don't say to certain cards.
	But ultimately speaking, man, I want peace of mind.
	I want to be able to sweat my card, get cash back whenever I want to, and as well get a sender bonus.
	You can't beat that.
	Another benefit too, it's a Visa.
	Guys, I'm going to be honest with y'all.
	I love Amex.
	But to keep it a thousand with y'all, you always want at least one Visa or one MasterCard in your repertoire.
	And the reason why is because Visa and MasterCard are accepted everywhere, dude.
	Okay, here we have it.
	So after you spend $6,000 on a purchase in the first three months, you get how much money?
	$750 in your hand.
	Okay.
	Can we highlight that?
	That's amazing, by the way.
	Right there, the new card member effort.
	Yeah, at the bottom, to the left, right there, boom.
	Oh yeah, right there.
	Okay, yeah, seven, yeah.
	You can highlight it real quick, Bill, so they can see it.
	And here's the best part about this card, too.
	So a lot of cards give you this benefit, guys, where in the first month or two or three months, you're able to spend a certain amount and you get certain money.
	So remember, it says, Is business unlimited?
	Well, my friend, that does go a long way because you get also unlimited rewards with no limits, which means you can spend on this card forever and get rewards no matter what.
	Versus other cards, there's a limit to how much money you can spend within that year, and then rewards stop for that card.
	But this card is basically unlimited.
	Yeah.
	Undefeated.
	Alright, so let's go back to the Forbes list.
	Alright.
	Alright.
	Come down.
	Next one on the list.
	Oh, man.
	This card is fantastic.
	Your favorite.
	Yeah, so I actually have this card, guys.
	The Blue Business Plus credit card from American Express.
	Let's pull that one up.
	Hit apply now.
	Let's go.
	So we can go to the live website.
	Again, guys, we're showing you this so that you guys can do this from the comfort of your own home.
	Go on the list.
	Look at the card.
	It brings you right to the website.
	And then you can look at the actual offer and what's going on.
	And it tells you exactly what credit score you need, the range, to get these cards as well.
	Yeah.
	That's pretty good.
	All right.
	So this is the card right here.
	Enjoy low intro APR, no annual fee.
	That right there is huge, guys, because the best credit card is keeping 1,000 ones, y'all.
	Myron, what's an annual fee?
	An annual fee, guys, is a fee that they charge you on the anniversary on which you open the credit card.
	Okay?
	And some credit cards have really expensive annual fees.
	Like Amex, for example, you're going to pay $500 to $700 a year to hold that credit card.
	This card right here, you don't have to worry about that.
	And...
	0% introductory APR on purchases for 12 months from the date of account opening.
	No interest.
	So you're able to basically rack it up on this card without paying any type of interest for a full year.
	Okay?
	But after that, your APR will be a variable rate of 18 to 26%.
	So, uh, yeah.
	Okay.
	What's up?
	That's why we tell y'all don't carry a balance if you can try to avoid it, right?
	And then on this card, right, you get two extra points on every single business purchase, up to $50,000 per calendar year.
	And then after your first $50,000 spent on your blue business card, it goes into one times point.
	So basically, guys, this is a really good cashback credit card, okay, that you can use for your business.
	And...
	You'll get those points very quickly, okay?
	And that American Express can be accepted in 99% of places in the U.S. that accept credit cards.
	This is true, but foreign, I will be honest with y'all, Foreign, a lot of places will not take American Express.
	And there's a lot of small...
	Let's say you go to a small store, like a little tienda or something like that.
	One of these bodegas, whatever.
	They might not take American Express because American Express has some of the most expensive processing fees.
	So keep that in mind, guys.
	That's why I tell y'all, you should always have an American Express card.
	A Visa card, a MasterCard, and then if you want, a Discover card.
	You know Discover's trash, in my personal opinion.
	But I will say that Discover has some of the best benefits.
	They have a very good beginner credit card.
	I think it's called the Secured It credit card, or Discover It, the Secured.
	That's a very good beginner credit card to kind of get your feet in the door and then you can go ahead and turn it from a secured credit card into an unsecured credit card because you have to basically put some money down to get it started, but it's a fantastic beginner.
	But in general, Discover kind of sucks if I'm going to put it on a hierarchy.
	Visa and MasterCard are the top two, right?
	Because they are accepted everywhere.
	And then Amex is right there, a very close third.
	If you're in the United States, you should be good with Amex wherever you go most of the time.
	But when you go to like smaller rinky-dink places, or if you're like at a swap meet or something like that, and they do accept credit cards, but they don't accept MasterCard and Visa, always have one of those cards handy because they won't take American Express.
	And the big reason why they discriminate is because American Express has high processing fees.
	All right, so let's keep scrolling down here, okay?
	Let's see what else benefits they have.
	And again, guys, run the website because they're always changing it up.
	Rewards?
	So, yeah, very simple, man.
	Earn fast with 2x points on any category with no annual fee.
	So you can buy anything, guys, right?
	I tell you all the time that cashback cards are good because you can literally just use it for anything and you're going to get...
	You're going to get points.
	And the points, basically, think of that as a 2% cashback, pretty much, essentially, is what it is.
	And then it goes up to the first $50,000 spent and purchased each year, and then after that, it goes down to one.
	All right?
	Really good beginner.
	So if you're just starting a business, guys, this is a fantastic, absolutely fantastic business credit card.
	And here's the other thing, too.
	I'm going to give you all another little piece of advice, okay?
	You can get a business credit card without starting a business.
	Ooh!
	Oh, wait, what?
	Ooh-wee!
	Yeah!
	Oh, yeah!
	How?
	Did y'all know that?
	How's this possible, Myri?
	You can get a business credit card without starting a business.
	Wait.
	Are you telling me I can get a business card with no business?
	Yeah.
	No way.
	Yeah.
	Please tell me how.
	If you are a sole proprietor, right?
	Because a lot of you guys might be maybe you're a freelance artist.
	You do work here and there, right?
	It's kind of like a side thing that you do.
	You can get a credit card under a sole proprietorship, guys.
	Now, with that said, make this extremely clear.
	You should not do that.
	We did a whole episode again.
	If you're a sole proprietor, please watch the episode that we did with Steve.
	A real accountant here in Florida that does our taxes, that knows the tax code like the back of his hand.
	We're talking about a sole proprietorship is understandable to get your feet in the door, but you need to switch to an S-Corp, guys.
	And you'll be taxed up the wazoo.
	Yes.
	You're going to need to transition over to an LLC and an S-Corp at some point.
	However, If you're watching this show right now and you have a sole proprietorship, you can still get these business credit cards under the sole proprietorship.
	But please switch on over for the tax benefits after the fact.
	But you don't necessarily need a business, guys, to get these business credit cards.
	As my Jamaican friends would say...
	We don't like that.
	Yeah.
	So proprietary now.
	Yeah.
	So if you are one already, it's fine.
	But switch over, please.
	Soon as possible.
	Where else do we got here?
	Oh, yeah.
	Another thing.
	You only got a certain amount of time to switch over, guys.
	Yeah.
	I think a year, right?
	One to two years.
	Yeah, there you go.
	Is what Steve was saying.
	All right.
	Okay.
	So let's go back to the main website.
	Let's scroll down.
	And again, you can see the credit score that you need to have to get your card.
	You can see the credit score, annual fee.
	This is a good website.
	And so on and so on.
	All right.
	So we did American Express.
	NerdWallet.
	NerdWallet is good too.
	We did IncaReady.
	Now the next one is Ink.
	Ink has different levels.
	Yeah.
	Do you want to explain to them real quick?
	Yeah.
	So let's go back to the website real quick.
	For Ink?
	So we can see the comparison.
	Okay.
	Yeah, yeah, yeah.
	They're all there, honestly.
	You can click that one.
	Yeah.
	If you come down to the bottom, you're going to see all the cards.
	And this is common, guys.
	Most of these very good credit cards have levels, right?
	So American Express, you got the platinum, gold, etc.
	Come down some more.
	Some more, some more, some more.
	Cool.
	Compare cards.
	Okay.
	Alright.
	So, relatively, these are all business cards, of course.
	They all have different functions, but they're relatively the same because they all have cash back.
	And you have the business premiere, right?
	Yeah.
	I actually have both now.
	Okay.
	My new business has the premiere.
	But, the premiere is a charge card.
	So, you have to pay the card back.
	So, what's the charge card?
	It's a card you have to pay back every single month.
	Like American Express.
	In 30 days.
	Yeah, 30 days.
	So, you spend the money on the card.
	Most cards you could lay over to next month or whatever.
	Just pay the minimum balance.
	But these cards you have to pay back in full in 30 days.
	So keep that in mind.
	But the Premier, $1,000 bonus cash back after you spend $10k in the first 3 months.
	So if you're a business owner, you buy supplies, you buy stuff for the business, you might buy, I don't know, Travel, plane tickets, that all adds up to $10k, and you get $1,000 back for spending the money on your card.
	And then, of course, 2% unlimited cash back on all purchases, which is pretty good as well.
	So this means the other one we saw was unlimited, $1.5k, but you get 2% back on everything that you should buy.
	And then, of course, 2.5% total cash back on every purchase of $5,000 or more.
	So the more you spend, the better for you.
	$5k is the minimum for that 2.5% cash back on everything you spend.
	It's pretty much the same card after that.
	So other than that, it's a charge card.
	So you must pay it back in 30 days in full.
	If not, you'll be in trouble.
	Yeah.
	Cool.
	Yeah.
	Okay.
	And then I will say this too.
	A lot of these credit card companies, guys, they'll work with you.
	Like, let's say you can't do it in 30 days.
	Yeah.
	You call them.
	Give a courtesy call.
	They'll give you another month.
	Actually, I'm glad you said it because with Chase, if you bank with Chase as well, they can see your income pretty much, or the money coming into your account.
	So, when you need a credit increase, hey man, I've been making this much money a month, you can see it coming into my account, I need to increase that credit limit.
	And they'll do it for you.
	So now I'm over 30k.
	Okay, good.
	You just opened it.
	Okay.
	But yeah, so if this comes to shove, guys, and you can't do it, and you got one of these charge cards, because an Amex plan is a charge card too, we're going to talk about that.
	Um...
	You can call the company.
	They'll work with you a lot of times.
	So, you know, just keep that in mind, you know, in your back pocket if you need to.
	Become cool with your relationship banker.
	I can't stress that enough because, yes, things do go...
	Or a credit card company.
	Yeah.
	Because not like Amex, for example, don't have a bank, right?
	Really.
	True.
	But if you can find a relationship banker in your town or with your bank, become cool with them because they'll tell you benefits that you wouldn't get online or they might have a special...
	You know, incentive behind the scenes that they'll give to you because you're their boy or their girl.
	So at that point, have that relationship built with that person because you get benefits you will not see on paper.
	Real quick announcement for y'all, by the way.
	Just a quick little transition here.
	Uh-oh.
	If you guys are watching the show right now on YouTube and you want to super chat in, we got a link for y'all.
	It just went live just now.
	We got it up right now.
	Go ahead.
	It's pinned at the top of the description and I think it's pinned at the top of the chat.
	Go ahead and send your chat in and send in your chat and then we'll go ahead and we'll pull it up on screen for y'all and we'll answer it.
	So for all the YouTube people, if you guys want to super chat, no problem.
	You still have an option to do so.
	You just go in there through Streamlabs and you can go ahead and send in what you got to say.
	We got like a little neon thing there too, right?
	It still has that cool Miami vibe.
	We might switch it up.
	I don't know.
	We'll see what y'all think.
	If y'all like it, cool.
	We'll keep it.
	If not, then, you know, it is what it is.
	It'll take you over and you just put in what you want to donate and then, yeah, that's what's going to happen.
	So thank you guys so much for supporting, you know, whether you want to support on Rumble Rants, on YouTube, you know, we really appreciate it.
	We really do.
	Cool.
	So where are we at here now?
	Next credit card or did you have something you wanted to share?
	Next credit card.
	Okay.
	Let's go to next card here, guys.
	You guys, and by the way, if you guys are liking this information, please do me a favor.
	Like the video on YouTube because we want to definitely get this out there in the algorithm so more people can get this type of information, learn from it, become better from it, and be able to start a business and not drag themselves into the ground, man.
	A lot of guys do this wrong.
	Yeah.
	And also loans, man.
	You can get way bigger loans for business than you can for personal.
	And it goes way further.
	So I would just say get a business credit card, man.
	It helps you a lot.
	Yeah, as soon as you're able to, guys, if you start a business, get that business credit card, man.
	You really don't want to tie up your personal credit with business credit, because depending on what type of business you're doing, you can easily spend a lot of money.
	Especially if you guys are in the restaurant business, you guys are in the brick-and-mortar type businesses, you're going to be spending a lot of money, dude.
	I'll give you a hack, too.
	All my cards are under my business, so they don't show up where?
	On my personal.
	W. Okay.
	The Bayesian man is scamming everywhere.
	What the...
	We don't have that.
	Okay.
	Where we at next?
	World of Wyatt business credit card.
	Yeah.
	So, this is a hotel card slash travel card because, obviously speaking, it's for Wyatt companies, which is basically a hotel you can go to pretty much anywhere in the world.
	But I would put it above Marriott because they're more established, more, I want to say, luxury, so to speak.
	But higher credit cards are very good because you get a huge bonus at the welcome sign-in, which is 60,000 points.
	I've never held a hotel credit card, so educate me on this.
	So basically, our family, they travel all the time.
	And they go to Marriott, they go to Hyatt, wherever they can, they stay at those hotels because obviously they get points for staying there.
	However, if you own a Hyatt or Marriott or type of hotel card yourself, you get extra points because one, you're a cardholder, but two, you get benefits for even going to that hotel.
	Now, For most people, they're like, okay, you know what?
	I stay normally at a, you know, what do you call it?
	What's a regular hotel you stay at?
	Like a Holiday Inn?
	Yeah.
	Or like, you know, one of those suites?
	A Hilton.
	A Hilton.
	Yeah.
	But you don't get any points for staying there.
	Yeah.
	If you have their card, you book through them, you buy through them, and use their card, you get extra points.
	And as well, whatever you spend in your regular day, go to a point for your hotel stay.
	So ultimately speaking, guys, like I want to say this all for it.
	If you're an avid hotel goer...
	Shout out to Water Dragon, by the way.
	We'll see you, baby.
	That was the first one right there.
	We'll give you a dime and a proud one.
	I heard that jingle.
	So let's say you're an avid Hyatt user.
	This card is perfect because, once again, you can stay at Hyatt anywhere in the world where you go.
	And everything you spend on that card, it goes to worth points for that hotel stay.
	So it works wonders because, honestly speaking...
	Whenever my homie travels, they travel for free.
	So they can sit at Marriott, it's a free stay for five days, four days, because they spent all the money on their cards to go towards their points.
	So it works out.
	Wow.
	So if you're a guy that you travel a lot for work, and you're staying at hotels all the time, this is a no-brainer.
	100%.
	And as well, let's say you get that welcome bonus, your first travel when you stay at the hotel is free because that welcome bonus goes towards your points.
	So you can stay two, three nights.
	And again, because I'm not a hotel guy with the credit cards.
	That's one thing I will admit.
	When it comes to using airline cards, I think that's kind of pointless because you could just use a travel credit card.
	Unless you only use that airline and then hotel credit cards.
	So let me ask you this.
	Does that have any benefit for Airbnb that you can use?
	Are you aware of any card that does that?
	I'm not actually sure, bro.
	No?
	Airbnb?
	Nah, I don't think so.
	Okay.
	That's a very good question, though.
	Alright.
	But I don't have any.
	We can see it right now.
	Oh, no, we can't.
	Yeah.
	Not yet.
	Okay.
	But yeah, and then also there's some more benefits here if you don't mind showing the screen.
	Yeah.
	So there is an annual fee for this card, of course, 200 bucks, but obviously the benefits, they'll weigh the cost of the card itself, and as well, you need a good credit score.
	So just hit play now real quick, if you don't mind.
	For this card here.
	Here we go.
	Loading up.
	Sneaker Frozen.
	Yeah, we got a lot of things going on.
	Yeah.
	Yeah, we're running a bunch of...
	Oh, there we go.
	Yeah.
	New donation.
	Yeah.
	Viper style.
	Yeah, shout out to you, my friend.
	10 bucks.
	Shout out to you, bro.
	And then we'll go back to the Rumble Rants here very soon for y'all as well.
	So, once again...
	You get 60k bonus points just for the sign-up after you spend $5,000 on purchases in the first three months, which is pretty good.
	And you get three free nights wherever you travel to with Hyatt.
	So it's pretty dope if you're an avid Hyatt traveler.
	And of course, there's a $200 annual fee, but other than that, you can't really lose because you're getting more value for that than the actual cost.
	And Viper Style said long live, fresh and fit, 10 bucks.
	Shout out to you, bro.
	Don't worry, guys.
	We're working right now to get the message up.
	We're literally doing this all live right now.
	On the fly.
	We're doing this all fly.
	We're giving you our credit card sauce, right?
	While simultaneously making sure that we get the chats in there, getting you guys heard.
	So, yeah.
	And thank you guys so much.
	We appreciate the support, man.
	Cool.
	We really do, man.
	But that's it for the Hyatt card, basically.
	So basically, whenever you travel, if you've got a Hyatt card, you want to stay there for maximum points, and you can stay there for free nights as well, the more points that you actually get.
	So, pretty cool.
	Cool.
	What's the next card?
	The next card is, let's see here.
	Coming up here.
	Yeah.
	It's going to come up right now.
	Four so far.
	Yeah.
	Next one is a Brex 30 card.
	I don't know too much about this card.
	I don't know if it's Brex either, but the best part is there's no credit check.
	What?
	So imagine for business, there's no credit check.
	I know, it's crazy, right?
	But I was like, why is this card on the list?
	What is Brex?
	What?
	But then they told, you can see there, no credit check.
	Alright, I'm curious.
	Hit that apply now.
	Let's look at this.
	I'm telling you about shit.
	Because a guy in the audience might benefit from this.
	Oh shit, it's gone!
	Whoops, this isn't right.
	Wait, go back.
	It's gone!
	Oh look.
	No, they're just trolling.
	I think they're trolling.
	Are they?
	Yeah, I think they're trolling.
	No, that's the website.
	It's gone.
	Scroll down, scroll down, scroll down.
	Niggas gone!
	What the heck?
	Yo, niggas finessin', bro.
	Go to products at the right top, left.
	Products.
	Go to...
	What the hell?
	She's gone, bro.
	See?
	This is why you gotta check.
	That's why you gotta go with the...
	Yeah, man.
	To make sure you gotta...
	Yeah.
	Okay.
	Go back to the original.
	You get 50 get points, no annual fee, and no credit check.
	Is it really gone?
	No credit check.
	Mayu!
	That's not for us, bro!
	Alright.
	So let's verify it.
	I don't know what's happening there.
	Alright.
	Go to pros and cons for the card.
	Pros and cons right there.
	Yep.
	Generous rewards and certain spending categories.
	No personal guarantee required.
	Can't carry balance.
	Okay.
	They always get you somewhere.
	Yeah, there you go.
	Card details real quick.
	Card details?
	Okay, here we go.
	Here's a list of stuff.
	So you can see everything there, guys, pretty much, but unfortunately, the card is not on the website, so I'll be careful about that one.
	But yeah, let's move on.
	Shit's gone, bro.
	Okay.
	Okay, United Club business card.
	So guys, if you travel...
	And you use United a lot.
	This is a card for you, for business, of course.
	You get, for welcome bonus, 50,000 points up front, right?
	Cost for the annual fee is high.
	$450 a year.
	That's kind of high for a card, just to be fair here.
	Oh, wow.
	Okay, here's an airline credit card.
	Yeah, United, of course.
	This is an airline business credit card?
	Yeah.
	Yeah.
	Okay.
	It's United.
	And there it is as the best airline card for business.
	So it must be pretty good.
	Look at card details real quick.
	Yeah.
	So here's the thing with airline credit cards, guys.
	I really don't suggest that you get an airline business credit card or an airline credit card unless you exclusively fly on that airline.
	Let's say, I'll give you guys an example.
	So when I lived in Laredo, Texas, right?
	It was a small regional airport.
	It was only United and American.
	So, okay, maybe it makes sense because I'm only going to fly United to get out of here to go home.
	So, back then it would have made sense to get one of those credit cards.
	But, if you live in a major city, you've got a major airport, why would you want to limit your ability to buy a plane ticket based on the credit card that you carry, if that makes sense?
	Because you might be able to find a way cheaper ticket Spirit!
	Frontier!
	Whatever it may be, right?
	So...
	It might be better for you to just kind of go through with just using a catch-all credit card, a catch-all travel card, versus having one specific for the airline, right?
	Unless you exclusively use that airline because of some situation, right?
	Well, I think if someone's hiring you and you travel back and forth on that airline, then it's fine because that's your airline you use all the time, so it makes sense.
	But other than that, it's kind of niche, so I wouldn't really use that card myself.
	I wouldn't be more widespread itself.
	Cool.
	Okay.
	Alright.
	And we go up next.
	Let's see.
	But yeah, these are the benefits here of the card.
	I mean, it's pretty simple, pretty basic.
	And then...
	What's up next?
	Ink Business Preferred.
	That's one of the ink ones.
	All right.
	Keep going.
	Business Cash.
	Keep going.
	Pretty much the same thing.
	We talked about that one already.
	And then Wealth Fargo Business Elite Signature Card.
	This one's pretty good because you do get a lower APR on this one.
	And as well, this card does have a $1,000 cash bonus when you get it.
	So it's pretty good.
	Oh, wow.
	Wait, just a cashback bonus.
	Yeah.
	How much you got to spend to get it?
	Let's see.
	Card details?
	Yeah, card details.
	Scroll down.
	It says it there.
	Earn a one-time $1,000 cashback bonus or 100,000 bonus points when you spend $25,000 in the first three months of account open date.
	That's a lot of money.
	Goddamn.
	Yeah, but here's the thing, though.
	I mean, you could do that in three months.
	Yeah, you could.
	If you're starting a business or whatever, you could do that easily in three months.
	You pay rent for the building, you pay for supplies, you pay for, you know, Business stuff, like travel, dinner.
	PayPal freelancers or Cash App, whatever it is that you pay people.
	Yeah, you could charge dinners.
	And you could write off, I think, 100% of dinners right now.
	Yeah, actually.
	Shout out to Trump, man.
	That's why I made my sister an employee.
	Just saying, man.
	All right.
	What else do we got?
	So first year is zero bucks.
	After that, $125 a year.
	They ain't playing, man.
	Okay.
	They want their money somehow.
	They want their money back.
	Okay.
	They always want it back in blood and sun degree.
	Somehow.
	Okay.
	What else do we got here?
	That's pretty much it for that one.
	Okay.
	And you got a Wells Fargo.
	Like, yeah.
	So if you got a Wells Fargo bank account, which a lot of y'all do, this might be a card for you.
	Yeah.
	Okay.
	Amazon Business Prime American Express card.
	Wow.
	This is a new one.
	This is a new one.
	It's like a hybrid.
	American Express and Amazon together.
	Yeah.
	Okay.
	Hold on.
	Let's look at this.
	I might get one of those.
	Hold on.
	Earn 5% cash back for 90 days terms on eligible U.S. purchases on Amazon Business, AWS, Amazon.com, and Whole Foods Market.
	Oh, wow.
	And then hit pros and cons real quick.
	Or no foreign transaction fee.
	Fantastic.
	Free employee cards include purchase controls.
	Okay.
	So when you're running a business, this is actually really important.
	Ah!
	So you might have people, whether it's an assistant, someone that's helping you out, whatever it may be, that they just need to have a card, right?
	So for me, for example, right?
	I have a real estate business, you guys know.
	I have the primary card.
	My property manager in Florida has a card.
	And then my dad has a card, right?
	So all fixes that need to be done in Connecticut or management, my dad uses my Amex over there, right?
	And it's his own credit card with his name on it, all that, right?
	And it has the LLC underneath it.
	And then anything here in Florida, my manager...
	It's also my real estate guy, Roger.
	He has a card, he can spend it, boom, done.
	So if he's paying contractors to fix something or a roof or whatever it may be, a plumber coming in fixing something, we use that card, bam, and everything is tracked, right?
	And it shows who each person is.
	This is very important when you have employees or if you have assistants or you have people helping you out, and you might not necessarily be buying supplies or whatever, so they can go ahead and handle all that for you, okay?
	So, and you're able to give these cards out without getting charged.
	A lot of credit card companies will charge you for making multiple of these cards.
	The best part is all charges go to the same place.
	Yes.
	So, under one account still.
	Yeah, it's under one main account, but they're able to use it.
	Right?
	Think of it as kind of like a family thing, but it's for the business.
	Right?
	Can we go back to the screen share?
	So, and then what else we got here?
	And then we got, on eligible purchases, choose 5% back or 90% terms at Amazon and Whole Foods.
	What does a 90 day term is?
	I don't know what that means, bro.
	Okay, so you need an Amazon Prime membership, which a lot of people have nowadays, thanks to 2020.
	And then no intra-APR offer.
	Standard APR can be high depending on your credit.
	Okay, APR is going to be high everywhere.
	It is what it is.
	Cool.
	But this credit card is good.
	It's not too bad, but I will tell you guys this.
	If you guys want just an Amazon card that might not necessarily be tied to a business, get the Amazon Prime card.
	Yeah, that's good.
	Bro, I think everyone should have that in their repertoire.
	I think that's one of those cards that's almost a non-negotiable.
	If you shop on Amazon to any degree, you got Hulu, you got any of these things, dude, just get an Amazon Prime account.
	Shoot, I know guys that only buy their toiletry, all their supplies on Amazon using that card.
	Get other points after that.
	Yeah.
	So, alright, cool.
	And thank you guys so much for the support, man, with the donations.
	We're going to read your chats.
	Don't worry.
	We see them coming in on our screen and we're going to read them for y'all.
	We got you guys.
	Out loud.
	We're going to figure out how to display them.
	Yes.
	Soon.
	Yeah, Bill's doing a bunch of things in the back.
	He's running the show and also just switching things around and moving things around, so shout out to him.
	Yeah, shout out to Bill's.
	Okay, so where we at here?
	We got some more down below.
	U.S. Bank leverage Visa signature card.
	This is another bank card that you can get if you have a U.S. bank account.
	Yes.
	So keep going down.
	Let's see what else they got.
	Bank of America.
	Not bad.
	They have pretty good credit cards.
	What are the Amexes?
	Keep going.
	There we go.
	Okay.
	Here we go.
	Now we're in my territory.
	All right.
	So here's the American Express business gold card, guys.
	Good card.
	Fantastic card.
	Okay.
	Let's go ahead over to the website.
	Hit apply now.
	Okay?
	And also, this card is metal.
	It's a good flex card.
	Looks really nice.
	Okay?
	I have one here.
	You got one, right?
	Oh, yeah, yeah, yeah.
	See, it's metal.
	Fresh is showing it on the screen.
	If y'all could...
	Hold on.
	Go ahead.
	Just...
	Go ahead, Fresh.
	Yeah, right?
	And it shines and all that, and it's heavy.
	So, you know, you want to take a girl out or whatever?
	Yo, dinner's done.
	What's the bill?
	Pay with it.
	Yeah, so it's a good card.
	It looks good.
	It's a good card, right?
	A lot of people like to have a nice card to flex, which I understand, right?
	I just use Apple Pay nowadays.
	I love eating out, so I mean...
	Yeah, well, we know that.
	Let's go back to the thing real fast.
	Not anymore.
	Okay.
	So earn 70,000 membership rewards points after you spend $10,000 on eligible purchases with your card in the first three months of card membership.
	So what?
	That's $3,333?
	Bro, I made sure to spend every possible dollar I could on this card at the very beginning.
	I paid my rent with this card.
	I paid for food with this card.
	I don't see who else I spend the money on.
	But!
	A total 10k pretty easily in the first month.
	Yeah.
	It could be done.
	Yeah.
	Especially if you're running a business.
	So let's go back.
	Especially if you're like paying rent or something like that.
	Yeah.
	Okay.
	So the annual fee is 300 bucks.
	Okay?
	So I know a bunch of you guys are like...
	And I understand that it's expensive, right?
	But now you're starting to get into the more elite credit cards here.
	Okay, so let's scroll down and see what other benefits this card has.
	It has a lot.
	So you go four times the points on top two business categories where your business spent the most each billing cycle.
	So wherever you spent the most money, Amex does it for you.
	They go ahead and just allocate the most points there.
	Okay?
	Then you get 1x points on select purchases made using your business gold card.
	Okay?
	You can pay over time.
	APR on purchases will be a variable rate between 19% and 27% based on your credit worthiness and other factors determined at the time of account spending.
	So this is a charge card, guys.
	You're supposed to pay this, right?
	30 days.
	In 30 days.
	But this card allows you the flexibility where you can turn it into almost a pseudo credit card.
	Okay.
	And then all the benefits and features.
	Americans must be expended.
	Well, yeah, we talked about that, except that in most places in the United States, but we gave you guys the caveat that if you're at like a small, like local mom and pop shop, they might not want you to use Amex because of the high credit card fees.
	Yeah.
	Right?
	Amex obviously isn't going to admit that to you guys on their website.
	Just go down a bit.
	All rewards benefits.
	Maximize rewards with 4x points.
	Earn 4x membership rewards points on the top two categories where your business spent the most each billing cycle from the list below.
	Plus, earn 1x on every other purchase.
	So, you know, airfare purchase directly from the airlines.
	U.S. purchases for advertising and select media, right?
	So, if you want to run ads.
	U.S. purchases made directly from I'll select technology providers or computer hardware, software, and cloud solutions.
	U.S. purchases at gas stations.
	U.S. purchases at restaurants, including takeout and delivery.
	U.S. purchases for shipping.
	Terms and limitations apply.
	So you got four extra points applies to the first $150,000.
	And combined purchases from these two categories, each calendar, and then you earn one point per dollar.
	All right?
	So you can see how this can quickly add up depending on where it is.
	And the beauty is here, Amex automatically gives you the points in whatever you spent the most money in.
	Yeah.
	Right?
	They do all the work for you.
	They do all the work for you.
	Because a lot of credit cards will have what you call like a rotating benefit situation.
	So you can log into the app.
	Check what you can spend money on to get points.
	Go back and forth.
	It's just annoying.
	Some credit cards will be like, oh yeah, rotating benefits.
	These three months, we're going to really prioritize gas.
	These three months, we're going to really prioritize groceries.
	These three months, we're going to prioritize entertainment.
	MX says, you know what?
	Screw that.
	Whatever you spend the most money in, the top two things you spend the most money in, we're going to give you four extra points on it.
	I just want to set it and forget it, honestly.
	Set it and forget it.
	What else do we got here?
	And then...
	That's pretty much it.
	Yeah.
	So, and it's 300 bucks a month.
	Good card.
	A year, a year, a year.
	A year, excuse me.
	Why is it 300 a month?
	300 a year.
	All right?
	So, let's go back now.
	And we both have that card ourselves.
	We both have it.
	United again.
	Yep.
	Keep going.
	Wyndham again.
	That's a hotel.
	Hilton.
	Like I said earlier.
	If you're a travel person and you stay at those hotels all the time, then it makes sense.
	Then go ahead and grab it.
	You know?
	Yeah.
	Like I told y'all before...
	There's always these niche cards that might be good for certain people that use that service all the time or that company all the time.
	Cool.
	Then do it.
	An example.
	If you are at a business and they fly you to LA every two, like twice a month, four times a month, and you got to pay with your own card, you get this card, it makes sense because you get points back and forth, you get free flights, all that stuff, so it makes sense.
	Yeah.
	Yeah, but I would suggest having these niche cards, right, whether it's a certain airline or a certain hotel branch, only if you use it all the time.
	If you don't, then I suggest you get more of a catch-all travel credit card or getting a catch-all business credit card, etc.
	American Express.
	Yeah.
	So, we're giving you guys more general cards that any of you can add to your repertoire and be successful with.
	Yeah.
	All right, let's keep going here.
	I think that's it, pretty much.
	There's no MX Planum?
	I don't believe so.
	Oh, Lord!
	Not for this year.
	You know why?
	They probably took it off because it's expensive to maintain per year.
	But let's go to the Amex Platinum.
	You can't...
	Bro, the Amex Platinum is always in the top three.
	If you're going to earn more on the goal...
	But this is the best offers for August.
	The Amex hasn't really switched to Platinum that much.
	Open up another...
	Go there, and then type in...
	No, view all business cards.
	Yeah, there you go.
	Business cards?
	View all business cards?
	There you go.
	Bam, there you go.
	It's the first one.
	Learn more.
	All right, so this is the Big Daddy right here.
	All right, this is the Amex Platinum.
	I don't know what that noise was.
	But the annual fee, yes, guys, it is a little high.
	It's $700, but let's talk about all the benefits that you get with this thing.
	Holy grail.
	All right, let's scroll down.
	Okay?
	And this is a card that's respectable.
	If you have this card, people know you mean business, okay?
	Annual fee, 700 bucks.
	I can understand that's expensive, but if you earn enough points, your points will pay for that annual fee.
	Okay?
	So you get 5 extra points on flights and prepaid hotels, right?
	Booked on Amextravel.com.
	Then, you get 1.5 extra points on eligible purchases in key business categories and eligible purchases of 5K or more everywhere else.
	See the details below.
	And then you get 1 extra points on other eligible purchases made using your business platinum credit card.
	And then you get $1,000 in business value.
	You get $200 back semi-annual for U.S. purchases with Dell.
	$90 back with quarter purchases with Indeed.
	$150 back per year for select business purchases with Adobe.
	$10 back monthly for select purchases with U.S. wireless phone services.
	So for your phone bill.
	Global Lounge, right?
	And if you guys know, most of the major airports all over the world, there's American Express Lounges, right?
	And you can basically go there, shower, better food.
	You're able to chill.
	It's way more comfortable.
	Again.
	If you got long layovers.
	I went to Jamaica.
	I was there early.
	Went to the Centurion Lounge.
	American Express.
	Got breakfast.
	Had croissant.
	Had oatmeal.
	Had some fruit.
	Some orange juice.
	Yeah.
	Sat down.
	Comfortable for an hour and a half.
	But why American Express?
	Yep.
	Just saying.
	Shout out to them.
	Shout out to them.
	Okay.
	And then we have, let's see here, 200 airline fee credit.
	So select one qualifying airline to receive up to $200 in credits per year for baggage fees and more.
	And then Clear.
	Oh, yeah.
	This is a W.
	Yeah.
	Yo, actually, hold on.
	This is a big W, by the way.
	Yeah, and they're not paying us to say this.
	But breeze through security with Clear plus at 100 plus airport stadiums and entertainment venues nationwide.
	And get up to $189 back per year on your membership.
	Subject to auto renewal when you use your card.
	This will save you, guys, from missing your flights a lot of the times.
	I can't tell you how many times we would have been late or missed a flight, but thanks to Claire, because Myron, we made it through.
	So, yeah, man, it's really helpful with getting to TSA much faster, guys.
	You skip the lines, it's all with retina scan, and yeah, bro.
	And apparently he's worked for Claire, Mo's cousin.
	Oh, okay.
	Random fact.
	Random fact.
	Okay.
	Shout out to you.
	This thing is Jesus.
	Okay.
	Fetty Wap.
	Fetty Wap.
	Okay.
	All right.
	17, 38.
	Yeah, he's in the back.
	35% airline bonus.
	You can get 35% points back after you use points.
	For all or part of an eligible flight booked with Amex travel up to one million points back per calendar year.
	Find hotels and resorts program for every type of traveler and every type of trip.
	Find your stay with American Express Travel for hotels that are destinations onto themselves.
	There's fine hotels and resorts.
	So guys, the other thing too is that when you have American Express, when you go on the app, it has like a whole travel thing.
	So you're able to book all your stuff on the Amex app and you can use your points to pay for the stuff on there.
	So it's effectively free.
	We went to Vegas for some podcasts.
	We booked our stuff through our AMX portals.
	And we got points for it to pay for itself.
	Pretty much.
	So, it's a W, guys.
	It really is a W. The Amex Platinum, there's a reason why.
	It's the heavyweight.
	It's the reason why this card is carried by a lot of entrepreneurs, a lot of successful people, a lot of people that don't even have a business that just want to have a good credit card.
	This is probably the best travel credit card that you can get.
	It's the elite.
	It's the big boys.
	It's a very good credit card, man.
	So, yeah.
	We covered a lot, man.
	Yeah, we covered a lot for y'all here.
	A whole lot.
	But let's go ahead and hit the Rumble Rants.
	Guys, so if you got questions, hit your questions now.
	We should go to Rumble.
	Oh, yeah.
	Should we go to Rumble right now?
	After we read these from Streamlabs.
	Yeah, yeah, yeah.
	Let's read the Streamlabs questions.
	If you don't mind.
	Donos.
	And guys, just for the people that are watching on YouTube right now, if you want to super chat your question in, we got the link at the top of the description and also pinned.
	Go ahead and send your message in there.
	We see you through twitch as well.
	Shout out to all our twitch ninjas as well over there.
	And I think we're on Twitter as well.
	We're everywhere right now.
	Literally.
	Yeah, we really are everywhere.
	Okay.
	Here we go.
	Do we got the...
	Okay.
	Don't let them break you, and that's from FJ92. Shout out.
	Yeah.
	All they did was motivate me to go even harder, which is why we got the new equipment going on, new equipment coming in, new studio coming in.
	We got...
	We're going harder in the paint.
	Yeah, we're getting...
	Respectfully.
	Yeah, we're...
	This is our first time using, you know, Streamlabs and OBS and all this other stuff.
	Yeah.
	So...
	It's about to get lit in here, guys.
	It's about to get really lit, really interactive.
	I got a bunch of ideas.
	Emotes.
	All that stuff is coming, man.
	The show is going to be even more lit.
	Text to speech.
	Shout out to the haters.
	And we're going to just...
	All the people that made videos talking smack, thank you.
	Yeah.
	Now your audience is going to come over here, check what we're doing, be like, wow, this is actually interesting stuff.
	This is dope.
	I'm going to stay.
	Make some more videos if you don't mind.
	And then they're going to stop watching y'all.
	That's why we've been able to lap you guys in growth.
	For the past two years!
	I'm not gonna lie, bro.
	I want Sonny B2 to make a video saying, The Fall of Fresh and Fit.
	Yeah.
	That'd be hilarious.
	Yeah, that'd be great.
	I like his documentaries, though, man.
	Yeah, I like him, too.
	He's a great channel.
	Yeah, it's a good channel.
	I think so.
	But yeah, for the haters, man, literally, bro, it's funny, because they make videos on us, right?
	And then we just lap them in growth, and I'm like, oh, wow.
	I wonder why.
	You made a video.
	They went and checked it out.
	They're like, wait, this stuff is good.
	I've got to subscribe.
	And then they start watching y'all because you guys don't add no value.
	You guys just sitting there reacting to other people actually doing stuff.
	Isn't that sad?
	Eh, it is what it is, man.
	We're diversified, bro.
	We can give y'all the podcast with the girls and have these discussions.
	We can go ahead and help y'all with making money, setting up a business, etc.
	Bring awesome guests.
	Bring awesome guests.
	Psych hacks.
	Bring girls.
	Talk about dating, all that stuff.
	Benny Boyd, CR goes, Freshly Fit Podcast, number one in the world.
	Ain't nobody giving this much value.
	FNF ain't going nowhere.
	Shout out to you, my friend.
	We're definitely not going anywhere.
	I'm not fucking leaving!
	The show goes off!
	Show goes on, my friends.
	I'm a full-time electrician.
	Just started my LLC with a contractor's license for the LLC. Getting my S-Corp.
	Need help with marketing ideas and company credit cards.
	Oh, we did this one already.
	I drop off business cards on doors.
	Yeah, we did this one already.
	We did?
	Yeah.
	Okay.
	Yeah, switch to S-Corp immediately, bro.
	And then marketing, definitely you want to pay for ads and then jump on pay for promo.
	That will help you a lot in your local area.
	Yeah.
	Hey, guys.
	Just wanted to show some love.
	Keep doing what you do, man.
	You have no idea how different my life would have been if I had you guys when I was 18.
	Guys, 18 to 22, pay attention.
	Hey, man.
	That's what we're trying to do, man.
	All right.
	Motivate the youth.
	CrazyOldMan69.
	Hey, Myron.
	Thank you for helping young men like me.
	I left my toxic ass, changed jobs for $30,000 more a year, been going to the gym consistently, and bought a house, and have a two-year tenant in there now.
	Cheers, FNF, bro.
	That is what I'm talking about.
	Good job, man.
	I mean, are haters teaching now how to do this?
	Nope.
	I would actually argue they teach you nothing, honestly speaking.
	Just a laugh.
	Maybe get a laugh?
	Yeah.
	That's it?
	Yeah.
	Ha, chuckle.
	Yeah.
	They're not adding no value.
	You're still depressed.
	You're still sad.
	You're still fat in some cases.
	In the same position.
	You're still fat, looking like crap, like someone over at a certain channel.
	Layback.
	Ha!
	Hell back.
	You know?
	It's just like, bro, who cares what you think?
	You are morbidly obese.
	Rumble!
	Yeah, so...
	Oh, man.
	Oh, man.
	Okay.
	Cool.
	Vengeance.
	Myron is a warlock.
	Yes, I am a warlock.
	Uncle Luke1980.
	Rumble is a new wave now.
	Just subscribe.
	Shout out to you, Uncle Luke.
	Shout out to Uncle Luke.
	You've been supporting for a minute.
	Hey, guys.
	Support not just us, but support Rumble.
	Subscribe over there, man.
	Become a ninja.
	Become a part of the Fresh and Fit fam.
	Hit that subscribe button over there on Rumble.
	We really appreciate it.
	Because like I said before, Rumble is the last bastion of free speech, man.
	If Rumble goes down, we're done.
	We're going down with him, man.
	We really, like, bro, we are...
	Yeah, we love Rumble, bro.
	We know the people over there personally, and our loyalty is to Rumble for sure.
	They've been good to us.
	They've been really good to us, man.
	So we're with them all the way.
	They're with us.
	We got their back.
	They got our back.
	And Rumble is the new frontier, my friends.
	Especially if you're a proponent of free speech.
	Hi, from Melbourne.
	Got declined for applying for my first credit card.
	Think my income was too low and was applying for quite high of a credit limit.
	How long should I wait for the next application?
	I would say 30 days to 60 days.
	But also, remember, you've got to start small and work your way up.
	You don't want to jump the gun because they will deny you.
	So work slow.
	Cool.
	What else?
	I started sidebends, got LLC, but my bank didn't give me a credit card.
	Does it matter which bank or do I have enough revenue?
	But my bank didn't give me a credit card.
	You've got to apply for it.
	Don't just give it to you.
	Yeah, yeah, you've got to apply, bro.
	What he's saying is that the more money you have in the bank...
	The easier it is for you to get approved.
	Or if they don't approve, you can make an argument.
	So that's why.
	110 Elite.
	What else we got here?
	J-Rack goes, do you guys agree with a female with a high body count as someone with bad credit?
	I hope you both know how much you guys are appreciated and needed.
	Yeah, you could say that's an equivalent.
	Yeah?
	Because your credit trustworthiness, etc.
	Shane, CEO. What is your take on social credit?
	My company is working on a social media platform to build up digital reputation for everyday person.
	No wokeness, opt-in only, and we offer lucrative referrals.
	I don't know about that, my friend.
	I don't know about that.
	I think that's the beginning of the end once we get into social credit scores.
	Yeah.
	Yeah, that's bad.
	Last Monday and Saturday episode is For Them Books.
	Detailed.
	Great job, FNF. Appreciate that, my friend.
	Do whatever you need to do to get monetized again on YouTube.
	I don't care what it is.
	Sing Barney and turn the show into I Love You, whatever.
	Keep the real show on Rumble.
	You're playing Chestnut Checkers, and that's from Replica GL. Appreciate that, Replica.
	That's a good take.
	I see your perspective.
	Yeah, I'm waiting for y'all to let me come on and do a training on direct response inbound leads for small businesses.
	Been doing it in the past five years and it works.
	And that's from CEO Nate.
	Shout out to Nate, man.
	Yeah, message.
	We should message.
	I mean, we're going to have to vet you too, bro.
	You can talk to me, man.
	Okay.
	Message freshman CEO. You got a lot of DMs, though.
	You got to pay me, though.
	Can you talk about investment, what to use for a brokerage account like Webull or other I'm looking to get on this?
	Bro, honestly, there's no special brokerage account.
	It's whatever you want to do from your experience, bro.
	Because honestly, other than Robinhood...
	Vanguard, you can use anything.
	Just don't use Robinhood to buy crypto.
	That's really the main thing.
	But whatever you want to do, you want to use Robinhood, you want to use Vanguard, you want to use Webull, it really doesn't matter, bro.
	It really comes down to whatever you're comfortable with.
	But they all connect you to the same market.
	So it doesn't matter.
	What else we got here?
	Try to be legit.
	22 year old male.
	Made some...
	Wait.
	22 years old.
	Made some money in crypto and side hustles.
	I have 50k plus saved, but never paid taxes and want to get a property.
	What should I do?
	Please don't hit the FBI button, Myron.
	Too late.
	FBI, open up!
	Well, here's the thing, bro.
	They're going to run your credit to a degree when you try to get a loan.
	So...
	Bro, what are you doing, man?
	Yeah.
	I mean, bro, I would handle the...
	Because here's the thing.
	You're going to have to pay property taxes on the house that you buy.
	So, yeah, dude, I would say get your tax situation handled first, right, and see what you might owe before you go ahead and get into the situation of buying a property because that could come back to hurt you.
	And here's the other thing, too.
	If you owe money...
	Right?
	They could take your house from you, bro.
	Bro, tax evasion is legal.
	Tax avoidance is legal.
	Yeah, so...
	So you need to pay tax evasion.
	Yeah, yeah, get that handled, bro.
	Hire a CPA, figure out what it is.
	We actually talked about this on that episode with Steve.
	Steve mentioned, at a certain time, it does fall off.
	So if you get it checked, and they say, okay, cool, you're going to go pay like four years or five years.
	Yeah.
	Compared to 10 years, then it might...
	Get that handled, bro.
	Get that handled.
	bill of you owe $100,000.
	You can't pay that thing.
	And then they're coming for your house, bro.
	Yeah.
	Uncle Sam is coming for that house.
	So, yeah.
	And it's not a black rock for nothing.
	Yeah.
	Facts.
	Facts.
	They're going to take your house from you that you put this money in and then they're going to literally turn around and sell it for nothing.
	Yeah.
	It's going to go into foreclosure.
	They're going to sell it because the bank doesn't want to sit there and maintain a house.
	They're going to sell it for next to nothing, bro.
	So, nah, man.
	Just get a handle.
	Make sure you're good with Uncle Sam.
	And then go ahead and invest.
	Who's up next?
	Uh...
	Black Vet.
	Goes, can you talk about investment, what to use for a brokerage account like Webull or other I'm looking to get on this?
	We answered this already.
	He might have double chatted it, but thank you so much.
	Any brokerage account, bro, will work.
	Gio vlogs it.
	Y'all be giving so much value to the point where I have to give back to you guys.
	Love y'all.
	Super pause.
	Let's go.
	Shout out to you, bro.
	Appreciate that, Gio.
	Keep vlogging it, bro.
	Yeah, keep vlogging, my friend.
	All right!
	And then, real quick, the Streamlabs don't know us.
	Can we bring those up on screen?
	No, because I see the mini-feed here, Bills.
	I can see what they had said.
	There.
	Yeah, you got to probably bring it up a bit.
	Yeah.
	So scroll up so I can see what they said.
	Okay.
	Okay, Apollo, tip five bucks, he said, hey, Fresh, you made me realize I wasted my earlier 20s by chasing low-value women instead of building my kingdom, using you and Fresh's way of thinking to increase my bag, get in better shape, and vet these 304s.
	Replace, don't chase, WFNF. We got you, Apollo.
	It's up to you, bro.
	KT, oh, wow, okay, there's a bunch of y'all in here.
	Thank you guys so much, man.
	Y'all are real ones, for real.
	Jamie Gonzalez, 25 bucks from Capital One to Amex Gold, baby.
	Major Flex.
	Thanks to FNF. Shout out to you, man.
	Capital One has some good cards.
	And we're going to talk about Capital One in more detail when we cover travel credit cards.
	Oh, another honorable mention here.
	We won't bring it up on screen.
	The Capital One Spark.
	Is a good business credit card as well.
	It's kind of a pain to get, but it's a good business credit card.
	WaterDragon5Bucks.
	Is there a possibility to have personal credit cards to use for business purposes or just keep strict watch on things I charge for my business and which for personal, which is what I have been doing?
	Keep it separate.
	This is what you do.
	You use personal credit cards in the beginning, right?
	To get your business funded, get things going.
	I did this myself.
	But, you want to transition over to a business credit card as soon as possible, bro.
	The problem is, though, if you mix and match business and personal, it'll mess you up.
	It'll mess you up.
	Especially with taxes.
	So, dude, keep it separate.
	Always.
	This is what I did.
	I'll tell you guys exactly what I did step by step.
	Give y'all some more value, okay?
	When I started Freshly Fit, I took one of my cards.
	It was a personal card.
	I only used that for fresh and fit.
	I was like, okay, we're starting a business here.
	I don't have my everything set up yet.
	I'm going to just use this card for this, for business expenses.
	Then I used all my other personal cards for whatever else.
	And then what I did was, when it was time to do taxes, because I got a business credit card later that year, I gave like six months of that personal credit card statement, and then I gave the other six months of the business credit card statement to my accountant.
	Okay?
	So that way, guys, it's all about documenting it to make it easier so that when tax time comes, you're able to properly document your expenditures.
	Okay?
	So it's okay to use a personal credit card at the beginning, but what I suggest is use one personal credit card for your businesses just to get things going.
	Switch over to that business credit card as soon as you can.
	Remember, we told y'all you could do it with a sole proprietorship.
	Okay?
	You don't have to necessarily have an LLC. Then switch over.
	Okay?
	All right.
	It goes over here.
	Okay.
	Okay.
	Bison has set up a monthly tip, five bucks.
	I appreciate that so much, Bison.
	A.K.A. from Street Fighter.
	See you in network.
	Okay, where we at here?
	Yuli has tipped $20.
	Love you guys.
	These shows are priceless.
	Keep it the good work.
	I'm glad to finally be a subscriber.
	We're not fucking leaving.
	You know we're not, man.
	The show goes on!
	And then some of you guys are subscribing on YouTube.
	Guys, do me a favor, man.
	We ain't leaving YouTube, bro.
	Subscribe to the YouTube channel if you're watching and you're not subscribed.
	There's a bunch of y'all in here that might be here from a hater channel.
	If you got some value out of this show, like the video, subscribe to the channel.
	Y'all should watch and review this YouTube video for the channel, A Divorce Attorney's Thoughts on Love and Marriage.
	James Sexton, it's a much watch.
	Okay, I'll take a look at it.
	Legend57, 20 bucks goes, I'm trying to figure out how to sub on Rumbo ASAP. Until then, here you go, fam.
	To those that can't afford to support, this should be a wake-up call.
	Help yourself so you can afford to help others support a cause you to believe in it.
	Thank you so much, and I'll show you guys how to do it right now on my phone.
	Show the legend, man.
	Yeah, shout out to you, bro.
	I'll show you guys how to do it.
	10 bucks.
	Question.
	What advice do you give me?
	I'm a 20-year-old man looking to move up in life but live in Barbados.
	Oh, wow.
	Honestly, bro, I'll get out of Barbados, man, because it's...
	A nice island, I think, is paradise, honestly speaking.
	Beaches, people, the food, you know, the parties are great.
	But in terms of growth-wise and opportunity-wise, it's not very abundant.
	So I would leave as soon as possible.
	Either on a work visa or move here and get married.
	But the point is that, like, you need to always have an option outside of what you have because your current environment where you are in Barbados may not be applicable to make you grow.
	So I would say get out as soon as possible.
	Alright, hit camera 4 real fast.
	There we go.
	I'm going to show them how to do this.
	How to sub on Rumble.
	Yeah, so guys, this is how you do it, right?
	So you're on Rumble on your...
	Let's say you're on Rumble on your phone, right?
	This is what it looks like when you're on your phone.
	And this is how you do it when you're on the web browser, right?
	Chrome.
	Or Safari.
	Or you can do it on Chrome, right?
	So you're watching it.
	You're going to scroll down.
	And then you're gonna see the live chat right here, right?
	You're gonna go down, and then you're just gonna hit that subscribe button right there.
	And you can't do it on the app, guys.
	You gotta do it on the web browser, but that's how you do it.
	So you hit that subscribe button right there, and then bam, it's only five bucks.
	Join in.
	And then if you're on the app, right?
	You can go ahead.
	The app looks like this.
	And then you go, go live.
	And then you're able to go ahead.
	If you want to do a Rumble Rant, click that dollar sign right there.
	And then you can go ahead and say what you want to say right on here.
	Cool.
	So yeah, so for Rumble Rants, guys, you do it on the app.
	For a subscription, you do it web-based.
	And we're working on getting it all in one, right?
	It's a work in progress.
	There's actually gonna be some really big updates to Rumble in the next two weeks that I don't wanna announce yet.
	But trust me, guys, we talk with the CEO all the time and we tell him, hey, these are some things that we can definitely do.
	The thing is that he's hungry, bro.
	He's like, okay, we're gonna do it, we're gonna make it happen.
	So, that's why you guys have seen Rumble grow so fast and you've seen the app get more and more intuitive.
	So, yeah, man.
	Big things coming, man.
	Big things coming for sure.
	Where else do we hire?
	Question, what advice...
	No, saving kids is not great.
	Don't save these guys, save me instead.
	And that's from Illegal Immigrant.
	Okay.
	And then Camino Kill goes, W Streamlabs.
	Got you, bro.
	And we're going to figure out how to put y'all chats on the screen.
	We're going to figure out, hopefully, by the next show.
	Hey, Fit, you made me realize that I wasted my earlier 20s by chasing low-value women instead of building my kingdom, using you and Fresh's Way of Thinking to increase my bag, get in better shape, and vet these 304s.
	Replace, don't chase.
	Was that from before?
	Yeah, it was from before.
	Okay, and then KT goes, we ain't going nowhere.
	738, appreciate it.
	Was that a joke on Bill?
	70?
	30?
	Okay.
	Thank you for all the value.
	And that's from Infliction.
	And then We Ain't Going Nowhere from KT. And then we got you guys are the best in business.
	Your ego is not your amigo.
	Coronel's.
	Cool.
	Silent Sir goes, I'm about to graduate with a six-figure income.
	How much reserve cash should I have before buying my first property?
	How do I find a reputable property management company?
	Thanks and appreciate you guys.
	Stay strong.
	F to haters.
	Very good question.
	So for your first one, how much reserve cash should you have?
	As much as possible.
	As much as possible, but I would say to cover expenses for six months.
	You want to be able to cover expenses for six months.
	What does that mean?
	That means if you're a mortgage, etc., you want to have that much money.
	Now, that's obviously going to be a lot of money, but...
	It's better to have it than to not have it, right?
	So shoot to have six months of mortgage payments there.
	That will put you in a very good position.
	Just invested in some Rumble stock.
	What's the financial outlook for the company, guys?
	Well, I'll tell you this.
	They're growing very quick.
	They're getting a lot of big creators.
	And, yeah, they've got a bunch of big...
	They got Academics, Steven Crowder, Dakai Sanat, Speed.
	Steve will do it.
	Steve will do it.
	Sneeko.
	Ricegum.
	Andrew Tate.
	Ricegum.
	Us.
	Us.
	Dan Bongino.
	Dan Bongino.
	Russell.
	Russell Brand.
	Yeah.
	Yeah.
	They got a lot of...
	Oh, Redacted is over there.
	There you go.
	Right?
	So, they're also a really good alternative news source.
	So, stay tuned.
	I have something with them coming soon as well.
	You know?
	Water Dragon is $5.
	In the auto detailer, got a Citi double cash, 2%.
	Amazon Business, 5%.
	And PayPal for 3% since I use all of them for different work-related stuff.
	It's good to have variety.
	Absolutely, my friend.
	We've talked about...
	Go back and watch our episode, guys, on how to make money on credit cards.
	The City Double Cash is a card that we definitely suggested.
	It's one of the best all-around cashback credit cards.
	And I don't think it has an annual fee either.
	The rest of these are subs and follows on Twitter.
	Sorry, on Twitch.
	The names in here for all you guys that have subscribed.
	Yo.
	Sean Goodes.
	Welcome.
	Welcome to all you Twitch ninjas.
	Shout out to all you guys on YouTube that are subscribing and liking the video.
	Camino Kill.
	The Camino Kill.
	Some of y'all might have come over from one of our haters making a video on us.
	And I am here to say, welcome.
	It's a fresher fit.
	It's making money, getting girls, being attractive, getting in shape, not being fat, understanding how to be attractive, how to not be a loser.
	We got y'all, baby.
	You got this.
	We got you.
	Okay, anything else?
	That's it.
	Cool.
	Guys, we're going to be back with some lovely ladies here in a bit for part two, After Hours.
	And yeah, I think that's it pretty much.
	Think of it a value.
	Yeah.
	Guys, like the video?
	Think of it, my gents.
	50 bucks.
	I'm glad to see y'all.
	My lady was crying on the last announcement.
	Question pertaining on last pod about paying credit card off.
	Will it increase score automatically?
	Of course.
	Yeah, definitely will, bro.
	Some of the fastest ways, guys, to get your credit score to go up significantly.
	Two hacks.
	Pay off debt.
	Pay off your debt, your personal debt, and if you pay your student loans off.
	Yep.
	I know a guy, paid off his student loans in one day, his credit score shot up like 200 points.
	Yeah.
	And it takes a few weeks.
	It holds you back heavily.
	But dude, that literally shot up his credit score like 300 points.
	Imagine 200 points, something like that.
	If you were a kid and you had like, let's say, seven years passed, but ultimately he's paying them back now.
	Yeah.
	Anything in collections, y'all gotta pay that off immediately.
	That has one of the worst things.
	It's bad.
	Anything else?
	We got Rai Gaia.
	Oh, Law of Distraction is here.
	Ignore name.
	Checking are the rules for the clips accounts the same.
	All links in description currently at 32k and the community rides with y'all heavy.
	Just want to help say, hey man, keep posting it.
	It is what it is.
	It's fine.
	You're good, bro.
	We're not.
	You were never able to measure the impact FNF have on saving people's lives, nor will it be publicized, but I promise it's serious, and the real ones are thankful for everything.
	Thank you, family.
	And yo, thanks for reposting our stuff, bro, and thank you for posting a link to the original stuff.
	Appreciate that, man.
	I don't mind y'all using our stuff.
	Y'all want to make a short channel, a clips channel on our stuff?
	Go ahead, bro.
	It's fine.
	I don't care about sharing our content anymore.
	Just please repost if you're watching us on YouTube.
	Follow us on Rumble if you're watching us on Rumble.
	And get a business card for yourself and your family.
	Time stats will be up very soon.
	Love you guys.

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