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Dec. 18, 2023 - Fresh & Fit

01:40:47

Top 5 Reasons Why You Are Poor

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Time	Text
	Thank you.
	What's up, guys?
	Welcome to the Fresh Shirt Podcast, man.
	It is Money Monday.
	We're going to be talking about five ways that you're going to stay a brokie and how to avoid them.
	Let's get into it.
	Let's go.
	What's up, guys?
	Welcome to the Fresh Day Podcast, man.
	It is Money Monday.
	This is probably going to be one of the more important episodes, right?
	We always tell you guys things to look forward to do.
	But today, we're going to teach you guys what to not do and how to avoid being broke.
	You might be able to identify with some of these things, man.
	If you're able to take some honest, introspective, look at yourself in the mirror, you might align with some of the things that we're going to talk about today and it might answer some questions as to why you're not where you want to be financially.
	I gotta say, though, that intro is fire.
	That intro is very nice.
	That's a dope intro.
	Hope y'all like that.
	That was fire.
	Yeah, I hope y'all like that.
	That's actually a very pretty accurate assessment, too, of, like, what we do during the day.
	Like, you know, I wake up late as hell, I go to the gym, and then Fresh, you know, he's riding around Miami getting chicks.
	All this other shit.
	I'm working, though.
	I'm working.
	I'm not doing that right now.
	I'm working.
	I'm working.
	Okay, there you go.
	But yeah, man.
	Money Mondays, bro.
	All right.
	So today's video.
	Sponsored by Rumble.
	Yeah, rumble.com slash freshspit, guys.
	That is home base, man.
	If you guys want to know.
	Where to find us if we ever get canceled?
	Check us out over there on rumble.com slash freshandfitman.
	Also, castleclub.tv, guys.
	Only 20 bucks to join if you want to go ahead and get involved in the show.
	I see a lot of you guys are joining the Castle Club because you guys want to get your Super Chats right on air without having to pay more.
	Very, very smart.
	It's only 20 bucks a month, man, and you're able to get your Super Chats right in.
	A couple of y'all see what y'all are doing.
	You get the Castle Club, and then you donate a dollar, two dollars, whatever, and you get your Castle Club thing right in.
	Who's that guy that donates a dollar?
	What's his name again?
	Damn, he's super smart.
	Punisher.
	Punisher, there you go.
	Punisher, 4-5-1, right?
	No, but we still be getting discounts.
	If it's like 20, then Castle Club will be like 5 or 10.
	If it's like 50, Castle Club gets like 10 or 20.
	Yeah, okay.
	So you get it right on there.
	It evens out.
	Yeah, pretty much.
	You get it right on air with donating way less.
	For a discount, if it's like from the beginning.
	Especially if we got like 20,000 watching and shit like that.
	If it's like from the beginning, then it's like $1.
	You know, if it's from the very beginning.
	When you start doing the cutoffs, you know, they get like 5 or 10 in them.
	Yeah.
	Alright.
	But yeah, guys.
	Rumble.com slash FreshFit.
	And then obviously CasClub.tv.
	And then also, guys, check me out on Twitter.
	UnpluggedFitX.
	I'm trying to grow this thing.
	We're over 50k, man.
	So I'm in only a month, about.
	Roughly a month.
	So shout out to y'all.
	We're at 52-something here.
	You know, I've been tweeting on there quite a bit.
	Reacting to different things.
	Yeah, that's all I'll say.
	We don't want to show the Twitter right now, but...
	Yeah.
	You just did.
	Okay.
	No, I mean show the tweets.
	Okay.
	The tweets, not the tweets.
	Thank God.
	But yeah, check me out over there.
	And then you want to tell them about the CEO Network?
	Yes, guys.
	Well, first off, let's get into the vlogs, man, because that's where the action is.
	You see the lifestyle.
	Listen...
	I'm playing GTA in real life right now.
	Literally, in Miami.
	So shout out to the lifestyle vlogs and everyone in them.
	You see my trainer, all my friends, how we network and do stuff.
	And then as well, if you want more access to people that are successful, millionaires, and Zoom calls that masterminds, tap into the CEO Network, man.
	Add value, give value.
	Hop into that.
	We've got a Zoom call coming as well this week.
	I'm going to break down how to network from A to Z. Step two of my book coming out very soon, so go check it out.
	See you guys in there.
	Yeah, and video game streams coming soon, guys.
	We just got to figure out when we're going to do it.
	These guys got to unlock competitive on the team because they suck.
	With Overwatch 2, guys, you have to win 50 games in quick play to be able to compete competitive.
	And, you know, the best stuff is playing competitive, not playing quick play.
	Cliff plays trash.
	What the fuck?
	I'm pretty good, man.
	Come on.
	I mean, I'll give it to you, Fresh.
	You only need eight more wins?
	Seven.
	Seven, okay.
	So Fresh is at 43 wins right now.
	Let's go!
	And he just started playing the game, so I'll give it to him, man.
	He's been playing his Reinhardt, getting better at the game.
	So, yeah.
	But, yeah, if you guys want to watch us stream Overwatch 2, we're going to be probably doing that here somewhat soon.
	Y'all will be able to see us play the game.
	As a team, hopefully.
	Play competitive.
	Yeah.
	Especially play competitive.
	Yo, Bills, you suck, bro.
	Yeah, yeah, yeah.
	Bills does suck, man.
	Moe sucks too, man.
	I'm an excellent healer.
	I'm actually one of the best healers around, bro.
	So W, best healer.
	No.
	You're okay, man.
	You're okay.
	You're okay, man.
	WMercy, WBeptis.
	No game awareness, man.
	But anyway.
	Can you imagine we're streaming at like 10, 20k viewers and you think of rage quits?
	No, I never rage quit.
	I never, ever rage quit.
	No, never, never, never, never.
	I will not leave the game.
	I'll rage, but I'll never quit.
	Okay.
	I'll just play it out and, you know, whatever.
	You'll curse everyone out.
	Yeah, yeah.
	I'll just tell everyone that they suck.
	But I never ever quit.
	Because if you quit, you lose a lot of SR and shit.
	So I don't know, man.
	But yeah, man.
	We'll probably stream that.
	And then maybe other games in the future as well.
	But for now, right now, we're playing Overwatch.
	As you guys know, I played Overwatch way back in the day at a very high level.
	So I'm getting my mojo back.
	I've been playing now for about two weeks, I would say.
	You know what's bad?
	Went right before stream.
	This nigga's playing.
	Yo!
	Normally, right, we take a break between the first show and the show that goes, right?
	So I'm like, yo, where's Myron?
	Looking around.
	Is he in the gym?
	He's on the gym.
	Where's this nigga at?
	Chris is like, look in the back.
	I'm like, look in the back.
	All right, we'll go in the back.
	What's this nigga doing?
	Play overwatch!
	All you hear is, all you hear is, you suck!
	It's hot noon.
	You suck!
	Bro, they do be sucking though, man.
	Kids are trash, man.
	It's a team sport.
	It's a team game.
	When they suck, it just tears the whole game down.
	Because, bro, you're playing good yourself, and they go killed, the dumb stuff, they don't heal.
	I'm like, bro, what are you doing?
	See?
	Now you feel my pain.
	I understand now.
	That shit's annoying, isn't it?
	I understand.
	I understand now.
	Martin still curses him out when his team doing good, bro.
	He's like, yeah!
	Get these mother...
	So, but yeah, man.
	So you guys will be able to see us play.
	The reason why I know some of you are like, yo, why don't you just stream now, blah, blah, blah.
	Well, number one, we got to get fresh to be able to play competitive.
	And then number two, I've been brushing up all my skills.
	As you guys know, I'm a competitive individual.
	I don't want to be trash playing a game.
	A lot of these influencers, what they'll do is they'll play a game and they'll fucking suck.
	It's like, bro, I don't want to watch you suck.
	I want to watch you be good and actually destroy people.
	So I have some goddamn respect on my name.
	I don't want to play and be sorry.
	What if you're getting better as you go?
	Nah, man, you gotta have some level of at least decent competence and then get better from there.
	Okay, okay.
	I don't know.
	Maybe it's my pride, because I used to be a top 500 player.
	So, like, for me, it's like, man, I can't be seeing people, having people watch me miss and shit like that and not be, you know, connecting kills and stuff.
	So, anyway, but as soon as it's gonna come, guys, probably in the next week or two, we'll do a stream for y'all where we'll play.
	I just gotta watch my mouth.
	And that's another thing, too.
	I'm working on, like, not swearing and going as crazy.
	I wonder if you can do it on the podcast, too.
	I wonder.
	Might have to be Rumble only.
	Yo, the nigga was trying to kill the wheels, bro.
	Yo, relax, man.
	Oh, that episode was crazy.
	Yo!
	Yo, y'all gotta go watch the last episode.
	Rumble.
	You gotta watch Rumble.
	Yeah, yeah, yeah.
	Fresh cut that shit immediately.
	Yeah, bro.
	No, no, no.
	Chris is like, you sure, bro?
	You sure?
	I'm like, Chris, we tied it.
	End this shit, bro.
	Yeah, man.
	It was funny.
	But anyway, today we're going to be talking about five reasons why you're broke.
	You're actually playing video games with one of them.
	I told you guys before.
	I said this months ago.
	You shouldn't be playing video games, man, unless you're fucking, you know, Make it six figures a year.
	And you should get all your other stuff done throughout the day before you even turn that fucking thing on.
	Granted, most people play games and do other stuff, like, for example, going out, partying, getting drunk, when they're not even where they want to be.
	That's an issue a lot of people have as well.
	Yeah, man, yeah.
	So, you know, you better not be playing video games if you're a brokie, goddammit.
	Alright, so I'll read some of these chats, so we'll get into number five.
	Yes.
	Alright, cool.
	And guys, do me a favor.
	We got 2,000 of y'all watching on YouTube.
	Another 1,800 or so y'all watching on Rumble.
	So, like the video, guys, please.
	Really appreciate if you guys would.
	Because we got a bunch of haters that watch the show that just dislike the video just because, because they be hatin'.
	And if you can, send it to a friend, bro.
	Yeah, send it to a friend that's a brokie.
	Not be as poor.
	Tactical Chicken says, soon going to inherit some decent equity.
	I'm Europe-based.
	Who do I talk to to open a HELOC or cash out refi to invest in U.S. as a foreign investor?
	Well, you got to double check, bro, because as a foreign investor, it depends on what country you're from.
	And where you want to invest.
	So I would definitely check the laws.
	Make sure that you can invest depending on what your nationality is.
	Some countries are going to have more restrictions than others as far as being a U.S.-based investor that's foreign.
	So go from there.
	StillFree98 says, Free Jonathan Majors.
	Yeah, bro.
	That shit crazy, man.
	He lost his whole Marvel deal over some 304, man.
	So apparently they show footage of him running from the chick.
	Yeah.
	But they said he beat her up in a taxi.
	Isn't that crazy?
	Yeah.
	So he's walking away from the chick, right, trying to escape.
	Yeah.
	And they said, no, no, no.
	He beat her in a taxi.
	Bro, where's the footage?
	Where's the footage?
	Yeah.
	Yo, that's crazy.
	But again, this is a Tory Lanez part two.
	Yeah.
	Successful black man doing his thing.
	Yep.
	And he doesn't follow the agenda.
	Oh, shut him out.
	Get him out of there.
	It sucks, bro.
	Man.
	Bro, that's why you having a fight with your girl, man.
	Just record that shit and leave, man.
	Bro.
	Don't live with her, man.
	Yo, New York City trash, bro.
	Don't live with her, bro.
	I genuinely hate New York City, bro.
	It's another reason for y'all to not be in places like that, man.
	The jury found him guilty, probably a bunch of woke people.
	Oh, bro, he must have done it.
	He's a man, man.
	They're toxic.
	Fucking ridiculous, bro.
	And then, you know, Marvel dropped him.
	So it's like, bam, like what?
	He lost like $250 million, something crazy like that?
	You know the worst part, bro?
	What?
	His reputation is done.
	Like, in the industry?
	Yeah.
	Like, just for any more gigs, bro, he's going to be known as that guy that beats women.
	Yeah.
	Which just sucks, bro.
	Unfortunately, yeah, you're right.
	You're right.
	Mind you, this is because of what?
	Allegation.
	One girl.
	Yeah.
	No, what's this one girl destroyed this whole empire, bro?
	This shit's crazy, dog.
	Oh, man.
	To The Max says...
	But the question is, did he do it?
	Get it?
	Did he do it?
	Did he?
	All right, never mind.
	Okay, never mind.
	Jonas goes, why is it called Frank Castle when someone kicks someone out?
	Oh, you must be new here.
	That person's new.
	Must be new here.
	Yeah, so basically the reason why, guys, is because I went viral on TikTok for saying you need to punish bad behavior from girls whenever they flake on dates.
	And, you know, people went crazy.
	Punish women?
	Oh, my God.
	What are we?
	Dogs?
	Blah, blah.
	The View reacted to it.
	A bunch of people went crazy all over the place.
	This is back in 2020 when TikTok was starting to become a thing.
	And that video got millions of views.
	And I said, you know what, since everyone wants to say, get mad at me for saying Punisher, I'm going to call myself Frank Castle.
	And then bam, the name was born.
	Let's see here.
	Lord Malakai.
	Lord Malakai goes, hey FNF, I'm back again.
	I want to know more about starting a savings account and who I should start it with.
	Also, should I have multiple accounts for each bill or just one account?
	Just turned 21 yesterday as well.
	Bro, most savings accounts are a waste of money.
	They don't actually give you any type of money back as far as interest goes.
	The only one that's worth it, you need $100,000 to even open it up.
	So I would say don't even worry about necessarily having savings accounts for getting money back.
	Keep that savings account as a rainy day fund so that you have that money.
	God forbid something happen to you.
	Okay?
	To the max.
	Myron, please, can you chill with the long-ass rants on FedRex?
	We want to learn about the cases, not on related points.
	Well, that is why timestamps are there, my friend.
	They're there for you, so you can go ahead and skip on through and watch what you want.
	Not Germo goes, "Hey guys, I was here for the other stream trying to get on call.
	My only question was, as a 19 year old, what can I do to start making more money?
	I've tried everything, even courses, but nothing sticks.
	I would love some guidance.
	I DMed on Insta as well." Hmm.
	Bro, you can, dude, you can go, like I told y'all this before, man.
	You could drive Uber and DoorDash, man.
	That's a way to make money without necessarily having a skill.
	At 19, bro, I was mowing lawns.
	I bought a lawnmower with money I had saved up from washing cars.
	Then I started mowing lawns.
	So you can start anything like that.
	Washing cars, mowing lawns, simple stuff you can do.
	Just fast food.
	The thing is this.
	You want to work a job that you're going to enjoy at 19.
	And I'm trying to tell you, bro, most of the jobs you work at 19 are going to suck.
	McDonald's, Wendy's.
	Except the fact that it's probably not going to be fun and you just need to grit your teeth and make it happen.
	You have to suffer as a young man, bro.
	That's just what it comes down to.
	It's a rite of passage.
	So that's what it is.
	You probably want to, oh, let me get some comfortable job where I'm making a bunch of money as a 19-year-old.
	That ain't going to happen, bro.
	And I realize, what do young people want to do now?
	They want to stream.
	They want to stream.
	Influencers.
	YouTube.
	That shit is not easy, bro.
	Make digital products.
	It's not easy, bro.
	You know, for every YouTuber that you see that's 20 years old that's making 10K a month, There's millions that can't do that.
	Millions that don't do it.
	So, you know what I mean?
	There's nothing wrong with getting your feet wet doing a manual labor job.
	Venom goes, how can a woman make you a millionaire if you was already a billionaire?
	Ha ha, I see what you did there, Venom.
	Attitude Era goes, birthday shout out to Stone Cold Steve Austin.
	Are you going to do a live stream for Royal Rumble January 26th in Tampa?
	I don't know.
	Are we going to even be here?
	That's a good question.
	I don't know.
	We'll see.
	Yeah, it's wild, bro.
	I'm fresh fit.
	I'm clean.
	Hey, FNF recently got left by three or four.
	I basically gave my life to.
	Lost all my friends.
	Bums with smoke during relationships, so it's hard to getting over being really lonely.
	People at work 20 years older, so can't reconnect.
	Tips on how to get new people in circle.
	We're going to cover that as well in today's topic.
	Yeah.
	But the other thing too, bro, I've said this before, I'll say it again.
	I said this on a podcast.
	One of the things that you guys do a lot of times is when you get a girlfriend, you forget all your friends.
	Bro, don't do that.
	Like, I can't tell you how many guys lose their friends, their childhood friends, off of a chick, man.
	Like, dude, your friends will always be there.
	The girl won't.
	Like, don't fucking be a simp and spend all your time with your girl and then forget about your friends.
	Like, don't do that, man.
	Like...
	It amazes me how so many guys throw away friendships over girlfriends that don't even like them like that.
	Don't be stupid, man.
	And being the guy that was there when my friend had a girlfriend and he stepped away from the group, I was like, bro, now you want to come back?
	It's not the same, bro.
	Yeah.
	We're laughing at you.
	They might not accept you.
	Yeah, we're laughing at you, bro.
	You might honestly lose your friends, bro, for doing that dumb shit.
	And rightfully so.
	You want to be a white knight?
	Okay.
	Like, bro, this is going to be a L for you.
	Hey, after that, there's a way to take college classes for free before high school graduation, and I want to spread this information because this is how I got to college paid for.
	Should I make a YouTube channel, TikTok, etc.?
	Do it.
	Yeah, why not?
	Yeah, do it, man.
	I'm marketing it, though.
	Tactical Chicken goes, can you name exactly the entire team of financial slash legal profs necessary to buy and maintain residential real estate?
	Professionals, I think.
	Oh, professionals.
	I did an episode talking about that.
	With Roger and Steve, you need to go and watch that, guys.
	But long story short, you got a real estate agent, you got a property manager, you got a lawyer that helps you with your contracts, you got an accountant.
	That's the basics.
	And then as you get bigger and bigger, you're going to have other people.
	Yeah, you have a contractor or whatever, which typically your property manager is going to know.
	So the more real estate properties you have, the bigger your team is going to be and the more people you're going to need.
	So that's what ends up happening, man.
	Unless you want to be doing all the maintenance yourself, which I guarantee you don't want to be doing that, man.
	Alright, so I guess...
	Oh, Rumble Rants.
	Okay.
	Hey, yo, stop giving away my secrets.
	Here's another dollar for the swear jar.
	Punisher.
	541.
	Hey, it was you, bro.
	You fucking cheapskate.
	Hey, Myron, I'm fresh.
	Keep doing God's work.
	Get the likes up.
	Hey, Myron, I'm 5'5".
	Currently 128 pounds.
	I'm aiming for 145 to 150 with 10% body fat.
	Is that a good goal?
	Bro, get to where you want to get where you're pleased with your aesthetic physique.
	That's what matters.
	Okay, the scale doesn't matter as much.
	I mean, obviously it's a guideline, but your body fat percentage and the me are very important.
	Hey, fellas.
	And this is from Kidnapping.
	Hey, fellas.
	Kidnapping69.
	Okay?
	Hey, fellas.
	I think a good stream would be critiquing Dave Ramsey's view on credit cards and debt.
	Would be interesting since you disagree.
	Just check my credit score and it says 704 and I don't own a credit card.
	Good.
	You need to get a credit card, my friend.
	That means you did some other stuff.
	You might have some other things on your name that you're paying off of.
	Yeah.
	And here's the thing with Dave Ramsey.
	See...
	Look, man.
	Dave Ramsey is great.
	I think he does a really good job of helping most Americans that are really financially illiterate get things done.
	Because you guys got to remember, he makes this concept for the lowest common denominator of person.
	The average person.
	The average person who's a complete moron, no financial literacy, doesn't have any type of control with spending.
	So what he does is he makes it what I call stupid proof.
	He has this one thing where he says, like, all your bills, put the money in cash and like envelopes.
	So you can go ahead and pay it off.
	Don't use credit cards.
	Pay everything off in full.
	Which, for most Americans, that's going to help most of them with avoiding debt.
	His thing is not getting you into debt.
	If you really want to build wealth, if you want to become successful like him, you're going to need debt, right?
	You're going to need leverage to go ahead and acquire some of these real estate properties, etc.
	What Dave Ramsey won't tell y'all is that he has a bunch of real estate property, right?
	And I know he talks a lot about how he over-levers himself, the market crashed and he lost a bunch of money, etc.
	But he did it again.
	But he was able to build it up again.
	And then the other thing too is that...
	You got to be intelligent when you buy real estate where you're putting a decent amount of money down and you have some equity in there and then you have tenants that are paying it off.
	So worst case scenario, your tenants are paying the property off.
	You might not make cash flow, but at least it pays for itself because then you control the asset and you're still enjoying the appreciation of tax write-offs, etc.
	But Dave Ramsey makes financial content for most Americans that are absolute morons.
	Here on this side of the internet, we're past that.
	We're obviously teaching you guys how to get out of debt and everything else like that, but we want y'all to not just live, we want y'all to thrive.
	And for you to thrive, you need credit cards, you need credit, you need to understand debt and understand the difference between bad debt and good debt.
	Bad debt, credit card debt, student loans, consumer debt in general.
	Good debt, real estate debt that's paying for itself.
	So that's what you guys want.
	Yeah, there's something called good debt, which is going to be business credit, basically, for real estate, for businesses.
	So there's good debt.
	Yeah.
	Like, for me, guys, roughly...
	Fuck.
	You know what?
	I'll go ahead and pull up my mint, and I'll tell y'all ninjas right now.
	Okay.
	What do we got here?
	Anything else?
	Oh, yeah.
	We got one more thing.
	Kevin Wolf says, Hey, FNF, is there any way I could order FNF hoodie?
	How about you guys sign it?
	Contact anyone or question mark.
	We'll see who wants to sign a hoodie from us, basically.
	We don't know your address, nigga.
	We don't know anything, bro.
	Yeah, hit up Moe, man.
	We'll see what happens here.
	We got Slop Life says, thoughts on having Riley Gaines on the pod?
	A woman I know.
	But I, I think he means, but she is one of the few college athletes that is fighting back against Transformers in female sports.
	Okay.
	That might be pretty good for a late night show with some girls.
	Having her point of view.
	Robert1 says, I get employee discount on stock and have acquired a decent amount.
	Would you suggest cash note to pay down credit card debt?
	Would you suggest cash note to pay down credit card debt?
	Typically, no, because you don't want to mess up your current stock and appreciation of it as well.
	I would just say...
	Pay off your credit card debt.
	Just work harder, bro.
	Get a second job if you can, but take out money from your stock options just to pay off your debt.
	I mean, if it's dire with a high percentage, then maybe, but off the cuff, no, I would not say to do that off rip.
	That's what I would say.
	Jay Ichiban says, Myron, for VA disability, one stream you said you could get caught up and you rated 60% because you can't work.
	You can still work even 100% P&T and be employable.
	You have to be rated unemployable by the VA. So you see in the Disability Act, how do I get caught up by working?
	Okay, Mark, once you said...
	I think you mentioned how you can not get caught up, for example, when you work a job.
	Yeah, yeah.
	I was just saying be careful with it, bro.
	I'm not saying you can't get a job.
	I'm just saying be careful.
	Like, for example, if you say that, oh no, I'm disabled because I have 100% disability, but you're working like a super hard manual labor job, that might cause questions.
	That's all I said, bro.
	Oh.
	Just be careful.
	Did you find your stats?
	Yeah, I'm looking for it right now.
	I'm trying to figure out for y'all how...
	Because just to illustrate a point here, that being in debt, guys, is not what y'all think it is.
	They'll sit there and tell y'all that...
	Damn, I was looking at this the other day.
	Which I suggest, guys, and Mint doesn't even pay me to tell you all this.
	It's a good app because what it does is you connect all your accounts and it'll tell you what your net worth is.
	It'll tell you how much, because you put your sources and everything else like that.
	And then you'll connect your accounts and it'll tell you how much debt you have, credit lines, all that other stuff.
	For me, guys, with all the real estate, I have 18 properties now, I'm like 4 million in real estate debt, right?
	But all of them are cash flowing, and they're all worth like 8 million, 8 to 9 million.
	So you do the math, right?
	So as long as the assets pay for themselves...
	You're fine, man.
	There's nothing wrong, like, I fucking go to sleep at night, fine at night, knowing I'm a four million with real estate debt, but that's fine, because they all pay for themselves, and they're worth more than, they're worth way more than that.
	So, and remember, I collected a bunch of my properties at a way lower price than what they are now, especially my Miami properties.
	All of them are well over $100,000 from what I paid for them, because I bought them at a good time, and I got them at good interest rates, 30-year fixed.
	Debt could be good, guys.
	You know what I mean?
	Like, now, if I was $4 million in consumer debt or college loans, oh, shit, that'd be a problem.
	Oh, fuck.
	But all my assets pay for themselves, and they cash flow, so it's a W, man.
	There's nothing wrong with having real estate debt.
	And, on top of that, I'm in no fucking rush to pay that debt off.
	Because...
	They all pay for themselves.
	I got a low-ass interest rate on them, so it doesn't make sense for me to pay them off.
	I can use that money that I have, excess money, to invest in other properties versus paying that property off.
	It's stupid to pay off your properties.
	Especially when you got a good interest rate.
	I think the issue with Dave's audience is that a lot of them are not responsible and not, I want to say, financially sound.
	So the problem is if you give them advice, for example, of getting into real estate itself and getting into debt like that, If you add, for example, thereby mistakes plus that, they're fucked.
	So you've got to be responsible and consistent with yourself financially to make that happen.
	Exactly.
	And then another thing too, inflation is good for me because as inflation hits and the dollar becomes less and less valuable, well guess what?
	I secured all those loans before at a lower interest rate.
	So...
	You know what I mean?
	You can't lose.
	You can't lose, man.
	The best hedge against inflation is real estate.
	By far, it's the best hedge.
	But if you follow Dave Ramsey's advice, y'all be scared.
	Oh, no, I got to buy all my house's cash.
	Oh, shit, I can't take a loan out to buy a house.
	Oh, my God, I'm so worried.
	But, yeah, $4 million in debt.
	But all the houses, net worth, like $8 to $9 million.
	Because I prefer to have real estate rather than a 401k.
	Just saying.
	Fuck yeah.
	Hell yeah.
	Real estate all day.
	Hell yeah, man.
	Yeah.
	Or IRA. But they teach you.
	Yeah.
	401Ks are the way to go, which actually segues perfectly into number 5.
	Why you're a brokie.
	You want to take it, Fresh?
	Yeah, so we have five steps here, guys, how to not be a brokie.
	And basically, you want to have the know-of-all to not take advice from people that don't know what they're talking about.
	Bam, and that goes right into that 401k situation.
	People always talk about things that they're not either trained in or had experience with to give you advice.
	Now, typically speaking, you go to online, right, to YouTube, maybe Twitter, for information sometimes, right?
	You find a creator.
	They give you content, and you're like, oh, this is great.
	I'm learning about a new topic here I didn't know about before.
	This is awesome.
	The problem is, though, that person may not have experience in what they're telling you.
	So you follow their advice, you don't get any results, you're like, damn, why is this not working out for me?
	I'm following what they're saying, I'm putting in time and effort, but there's no results here.
	What's happening?
	And more often than not, That means that either you're not trying hard enough or the person has faulty advice.
	And I think for most people, the hardest part of finding a mentor that you can actually follow, it gives you good advice.
	Because for me, it took me a while to find a good mentor.
	But again, it's like, people are giving advice nowadays without any type of backing or no experience.
	So the biggest thing I have to say for people that are poor, if you're following bad advice, it can take you down the wrong path.
	An example could be your parents, your grandparents, you know.
	Back in the day, they bought property that was worth like nothing, you know.
	They bought a house for $20,000.
	Pretty much.
	Nowadays, what is that?
	A pair of shoes?
	Yeah, you ain't getting shit.
	Maybe if you're lucky, an apartment you could rent for like, what, two, three months?
	Or like a fucking shack somewhere in the Midwest.
	It's tough.
	You know?
	So people can give you bad advice, even your family as well.
	So I would just say, definitely guys, you gotta think about who's giving you the advice and their backing on what they've been through.
	Because most people, again, they'll tell you what you want to hear, but they actually go through it.
	They didn't go through shit.
	So why are you taking their advice?
	Yeah, and that's so important, man, because a lot of you guys, you might listen to your parents, they'll tell you, you know, what do they tell you, right?
	Go to school.
	Get a job.
	Get a job.
	Retire.
	Pension.
	Get your pension.
	Get your 401k.
	IRA. Your IRA. Get your Social Security, and you'll be fine.
	You'll be good.
	We used to call in the government a golden parachute retirement plan, right?
	But the problem is that with the way inflation is going, with how much the cost of living was back when your parents were in the workforce or when your grandparents were in the workforce, etc., Things have changed drastically, okay?
	There ain't gonna be no fucking Social Security by the time you're old enough to actually collect it.
	401ks, they don't...
	They don't appreciate enough for you to keep up with inflation, okay?
	What?
	You're gonna have $300,000 by the time you retire?
	That's nothing.
	That's not gonna do anything for you.
	You still, you know, if you retire at, let's say, 50, 60, you still got like another 30 years of life.
	You think 300K is gonna save you?
	You're gonna have to probably pick up another job again.
	Do you wanna work in your old age like that?
	Off of a 401K? Right?
	Not only that, and then people will say, oh, well, you know, get a job, get your retirement, et cetera, buy a house, right?
	Well, when your parents bought a house, houses were like 50K. Now, the average home in the United States is somewhere around $350,000.
	Yeah.
	That's why so many millennials and guys that are my age group and then even the generation before and then the Gen Zers, all of us, a lot of guys, we have the lowest home ownership of any generation.
	And the reason for that is because houses skyrocketed in the past 30 years.
	So I say all that to say this.
	Taking advice from people that come from a different era that don't deal with the same financial hardships and obstacles that you deal with might not necessarily be in your best interest, okay?
	It used to be you could take care of a family on 50k per year, right?
	20, 30 years ago.
	Can't do that shit no more!
	Now, you got idiots running around on TikTok.
	We're dinks.
	Double income, no kids.
	We're able to do X, Y, Z. Blah, blah, blah, blah, blah.
	Why do they do that?
	Well, because nowadays, you need two incomes to live a certain type of lifestyle that you want to live.
	You know, the days of having one breadwinner and one provider?
	Very difficult.
	Very few men can actually pull it off.
	Especially for a family of more than like three or four or five.
	Actually, you mentioned retirement, right?
	This is funny because if you follow our advice, what's going to happen to you?
	You're going to have a property or multiple properties, right?
	And you're paying it off slowly.
	But when you pay it off, let's say 30 years later, you're what?
	57, 60 years old, right?
	So now, if you want to sell it, All that money's yours.
	Yep.
	Plus what you made over that period of time, cash flowing.
	Yep.
	So that's your retirement right there.
	Plus, you're making money as you go.
	Yep.
	And you can borrow against it anytime.
	Boom.
	Right?
	So like, why me and Fresh are so with real estate versus like, look, man.
	We're not telling you not to put money into a 401k.
	Do it.
	You can.
	Do it.
	You know what I mean?
	Especially if they're going to match you.
	Like, a lot of companies, I know the government, for example, you have something called the Thrift Savings Program.
	You contribute 5%, and they'll match up to 5%.
	Cool.
	At least do the bare minimum.
	It's free money.
	And then, it's free money.
	Go ahead, contribute.
	I'm not telling y'all not to do it.
	I actually took, but let me tell y'all what I did.
	When I left the government, the first thing I did, I took that money out of my 401k, out of my TSP, took it out, I bought a fucking house with that shit.
	I've made more money with that house off of that money I would have made from the 401k.
	Because keep in mind, guys, you can't touch it.
	You can't do nothing with it.
	Okay?
	Yeah, it gives you some tax benefits because whatever you contribute helps lower your taxable income.
	But is it going to give you the same type of tax benefits that real estate's going to get you?
	Hell fucking no.
	Depreciation of cost segregation is going to give you way more benefit than contributing to a traditional 401k.
	And keep in mind...
	If you do a traditional one, that's when you get the tax benefits.
	If it's an IRA, you don't get the same tax benefits that you're able to write off.
	So, obviously contribute, but understand that in today's day and age, A pension and a 401k isn't what it used to be 50, 40, even 30 years ago, like what your parents are telling you.
	So the advice that your parents are giving you is dated.
	And I'm not saying, oh, don't listen to your parents, whatever it may be.
	But the reality is that there's a new normal that your parents aren't necessarily aware of, and the financial market has changed drastically.
	Yeah.
	Selling time for money is a fool's game and it's all about a skill set now and leveraging the internet and scale to make as much money as you can and having a skill set is going to help you do that versus trading time for money like you used to be able to do and be able to take care of a family on that.
	You can't do that shit no more.
	The bottom line is if you see someone that is where you want to be, take their advice.
	If they're not where you want to be, why are you taking their advice?
	Because obviously they didn't go on that road to get to where you want to be.
	And the other thing too is that that doesn't mean that those people are bad.
	Just know that their information might be coming from another decade that isn't relevant anymore.
	Go get a job, go to school, etc.
	Yeah, that'll work in some degrees, but it used to be go to college, and then that college degree is going to put you head and shoulders above all your competition.
	You'll be able to find an entry-level job.
	Everyone has a fun college degree nowadays.
	So is it worth taking on all that risk, all that debt, spending four years You know, fucking off in college doing this and then entering the workforce later?
	Actually, we've seen...
	Might not necessarily be worth it nowadays.
	...with degrees on the podcast.
	Yeah.
	Doing dumb jobs.
	You know, now, we're not going to be these internet niggas telling y'all, fuck the college, it's a waste of time.
	No.
	College is absolutely good if you major in the right stuff.
	Yeah.
	You know, but the days of just going off to college and doing a liberal arts degree back in the 80s and 90s and, you know, oh yeah, this would be great.
	I could get a college degree and I'm going to get an entry level job just because I have a college degree.
	That ain't happening no more.
	It's way more competitive.
	College degree does not have as much oomph and power as it used to have decades ago.
	So you need to make sure you major in something that's going to give you a skill set that will help you enter the workforce immediately.
	See, this is what I mean, bro.
	This guy Plasma Burns on YouTube says, real estate is dead, get out now.
	This is what I mean, bro.
	Giving advice, we don't know fuck all about real estate, bro.
	This is what we're talking about, bro.
	This is crazy.
	What are you saying, bro?
	Literally, what are you saying?
	Yo!
	And this is why you stay broke, bro.
	This is why you stay broke.
	Yo!
	And here's the thing.
	Dog shit advice.
	Thank you, Mo.
	Let me make this extremely clear.
	Damn, bro.
	To my knowledge, we're the only guys on YouTube that have real estate property that tell you how to buy real estate and we ain't selling you shit.
	That's true.
	You don't got a course?
	No course.
	We're not trying to get y'all to invest money with us?
	Nothing.
	There's no benefit to me telling y'all about my real estate portfolio.
	If anything, it probably hurts me.
	I'm super transparent about my real estate.
	Why?
	Because I want you guys to win.
	Okay?
	So if that means I gotta fucking disclose some of my financial shit, give you guys how I have my stuff set up, whatever, and...
	Fuck myself up a little bit.
	I think it's worth it.
	We have nothing to sell you guys.
	This is us just giving y'all genuine free value because we want you guys to be in a position where you're financially free, you're getting money from real estate, then you fucking choose if you want to work or not.
	I want you to be the person to do that.
	But, to get that started, you gotta get a job.
	Make the money, acquire the assets.
	Once you acquire enough of the assets, you make enough money, then you can decide what you want to do.
	But it's going to take hard work up front.
	But like I said before, and we've said this many times, once you get your first property, it's going to be way easier to springboard.
	This fucking moron that's saying this, let me tell you how much of an idiot he is.
	BlackRock, all the biggest institutions, what the fuck are they doing right now?
	Still buying.
	They're buying single family homes.
	Why is that?
	Why?
	Hmm.
	Let me wonder.
	Let's ponder.
	Because single-family homes are the most in-demand property class in the United States, okay?
	We're over 5 million short of single-family homes.
	So BlackRock is acquiring them like this, right?
	Because they know that real estate is really the only real tangible fucking asset that's always going to give you money back, it's going to appreciate over time, and it's nice and safe.
	There's a reason why 95% plus of...
	Millionaires are made through real estate.
	This guy's a fucking moron.
	Now, if you're going to clarify and say office space and commercial real estate is dying, okay, then you got a point.
	But for you to say all real estate is not where it's at, you're a fucking idiot.
	You're a moron.
	You're an absolute fucking moron.
	You're forgetting the main thing about making money anywhere you are in the world.
	It's solving an issue, right, with a solution.
	What's the solution here?
	Property will always be relevant because people need a place to live.
	So no matter where you are in the world, guess what?
	You need to go to bed at night in a property of your choosing, a condo or a house.
	So ultimately, real estate is here to stay.
	And then people are saying, oh, they're flipping businesses too.
	Yeah, of course.
	But at the end of the day, real estate is the most sustainable, is the easiest, and it's the fastest way to explode your portfolio from a net worth perspective.
	So real estate is what it is.
	Now, commercial real estate, yeah, hell no, don't do it.
	Don't do it.
	But real estate never dies, man.
	Some of y'all are fucking wild.
	You know, it's funny too.
	You know the people that say that dumb shit?
	A perfect example again.
	Don't listen to niggas that don't know what the fuck they're talking about.
	The people that talk shit the most about real estate, ask them.
	How many properties do you control?
	How many doors do you control?
	Well, I have some REITs.
	Fucking zero.
	I got some REITs.
	I have some REITs, bro.
	Like, I'm an investor, bro.
	I have some REITs.
	Look at me.
	I got some REITs.
	Oh my God.
	Bro.
	Yo, you REIT niggas, I hate y'all the most.
	Bro, go watch the episode that I did with Justin.
	We talked about fucking you REIT motherfuckers.
	Bro, the dudes that own the REITs are the biggest haters of real estate because guess what?
	I got some REITs.
	Fuck REITs!
	What the fuck?
	Oh, I get higher dividends off of my REITs.
	You don't get the tax benefits.
	You don't get the depreciation.
	You don't get the cross segregation.
	A lot of people that invest in REITs are brokies that are fucking scared to deal with tenants.
	Stop being a bitch.
	Get the fucking loan.
	Pull the trigger.
	Acquire the property.
	They'll come back and talk to me.
	Don't talk shit about real estate unless you're actually a fucking real estate investor.
	But every single real estate investor I know that's a multi-millionaire, not one of them sits there and says, Yeah, real estate's a bad asset class, man.
	Fuck this shit.
	Are you fucking dumb?
	My name is Casey.
	I like REITs.
	Every single rich motherfucker that you know, all the most successful people, Warren Buffett, etc., all these guys got real estate.
	They might not be known for it, but all of them got real estate.
	The fuck y'all talking about, man?
	Yo, that's the number four.
	Spending money you don't have.
	Yo, Casey, I'm telling you, by the way.
	Yes, number four, guys.
	Spending money that you don't have.
	So look, we get it.
	You want to live the lifestyle.
	You want to be famous.
	You want to be popular.
	You want to have that CO lifestyle.
	The problem is you're not where you need to be.
	So you're using credit card, you're borrowing money, and you're spending your money before you even get it.
	So typically, you get paid from your job, right?
	Every month or bi-weekly, depending on what your salary setup is.
	Then, from that point on, you might have to pay your bills, expenses, but after that, you have money left over.
	So people, what do they do?
	They go to concerts.
	They pay for bottle service at clubs.
	They buy food.
	They go to dinner.
	They travel.
	So before you know it, before the month even ends, you've already spent all your money on fun experiences, going out, maybe even girls, right?
	Now, what's the goal for yourself in this life?
	To move forward for your family?
	Maybe to buy a house?
	Maybe to have a savings for your family?
	Maybe to even take care of one of your family for yourself?
	But if you're spending money like crazy, with any plan behind it, what are you really doing?
	You're holding yourself back.
	So spending money you don't have just means you get money coming in, and the money you get coming in goes towards dumb stuff.
	So ultimately, how's that being done?
	With a credit card, money you don't have.
	So my thing is like, okay, if you're going to actually break the cycle of being broke and the mentality of being broke...
	The money needs to go towards things that help you move forward to your goals and actually tangible things you can use to excel and move forward better.
	Because, look, we get it.
	You want to have fun in life, but every man that I know, person that's been successful, took a period of time where they just focused, saved money, invested in themselves, and then it became successful.
	If you're broke right now, and you're spending your paycheck before you even get it, you're fucked up.
	Because it needs to go towards something tangible to your future.
	If you're just blowing money at the club, on girls, experiences, traveling, without any type of savings yourself, what are you doing, bro?
	Stop it.
	Yeah.
	If you're spending money, you don't have to impress people you don't even like like that, bro, or to compete or keep it up with the Joneses, man, you're fucking up, bro.
	Guys, it amazes me how some of y'all will put yourselves in bad situations and lease a car that you don't have money for or go into finance something that you don't need to.
	Guys, I've said it before, I'll say it again.
	I'm a multimillionaire driving around my 2002 fucking Honda.
	That should tell y'all something, man.
	I want you guys to be the same way where you don't want to take on debt that you don't need to fucking take on unless it absolutely benefits you to some degree.
	And a lot of y'all over here doing some dumb shit with your money, man, to impress people that don't give a fuck about you.
	You know?
	Oh, y'all need to be fresh.
	Kanye West said this on his song a while ago.
	All falls down, you know?
	Then I spent X and X just to say, nigga, you ain't up on this.
	Like, bro.
	Yo, real talk.
	Ask yourself.
	Real talk, man.
	And that shit was real.
	Then I spent X, X, you know, whatever, just to say, nigga, you ain't up on this.
	Like, if you're buying things for bragging rights, more than likely it's not worth buying.
	Like, it really isn't worth buying a lot of the time.
	Just so you can flex on people, like, it's not worth it, bro, a lot of the times.
	Let me give you a good example.
	So, I love going to car shows, right?
	Cars are my actual love, joy, love the speed, love the experience, right?
	I go to car shows every second Saturday of the month.
	It's Supercar Saturdays.
	I know guys that go to car shows, right?
	And they buy cars that they can't afford to look the part.
	So, oh, I own a Ferrari.
	I own a Lambo.
	Look at my car.
	It's sick.
	And then give it like three, four months, five months, six months.
	Where's the car?
	Oh, bro.
	Man, you know, things were tough.
	I had to sell a car.
	Why?
	Damn.
	You couldn't afford it.
	But you want to let the part.
	Yeah.
	Now, guys in the game that actually have skin in the game, they love their cars.
	And they bought it because they love the car.
	Not for other people.
	And they keep their cars longer.
	The point is that, like, people in the game of the car space, bro, buy it to look cooler.
	But I'll tell you, you know what happens when you buy a car, bro?
	Nice car, bro!
	They walk away.
	It's done.
	Like, for example, you buy a car for girls.
	You buy a Lamborghini.
	They don't even know what it is.
	They don't even know what it is.
	The point is that you buy a car, do it for yourself, not for anybody else.
	Because you're wasting money at that point.
	Yeah, man.
	Guys, don't spend money you don't have on shit that you don't need.
	Just some rules just to live by to make your life light easier.
	Don't buy a fucking designer.
	Don't spend money on luxury vehicles.
	Don't go on vacations and trips.
	Bro, we've been doing this show straight for damn what?
	Two years plus?
	Three years?
	Yeah.
	Three years plus?
	We ain't take no fucking time off and do a vacation.
	If we did travel, we'd go to Dubai or Romania or some other shit.
	We're working.
	We're there to work!
	And I can tell you guys firsthand, I did that dumb shit.
	I bought designer, I bought the jewelry, all that shit.
	Look at me now.
	Small piece, Rolex, plain Jane, little bracelet here.
	But to tell you this in a matter of fact is, I did that stuff, did it feel any better?
	No.
	And the more I think about it, the more shape I get, I can wear a black tee.
	Fits me well.
	Don't need a designer.
	You know what I notice about people that buy designer?
	They're out of shape.
	They're trying to hide their insecurities.
	I'm telling you, bro.
	The more in shape you are, you can wear anything.
	So, it goes a long way, man.
	Yeah, man.
	So, guys...
	Bro, like, designer, Jordans, expensive Nikes, all this shit, bro.
	Oh, I gotta be dripped out.
	Like, fuck that shit, man.
	It's a waste of money.
	It's stupid.
	You're just giving that money to them boys.
	It's not worth it, bro.
	Save your money.
	Buy assets, okay?
	Because let me tell you, them boys own a real estate for a fact, okay?
	And just be intelligent, man.
	Like, you don't need to be out here buying a bunch of useless shit for no reason.
	For bragging rights?
	To say, nigga, you ain't up on this!
	Like, stupid!
	And there's one more type of guy I forgot to mention.
	The guy that finds a girlfriend and asks her what she wants to do.
	She wants to go to Paris.
	She wants to go to Dubai.
	She wants to go to Curacao.
	Yeah.
	Freaking Costa Rica.
	Alright, they're working a regular job at Target or Best Buy.
	Nigga, you want to spend all your savings on a trip?
	Yeah, hell nah.
	And she's going to leave anyway.
	Yeah, hell nah.
	What are you doing, bro?
	Hell nah, bro.
	So it's like, yeah.
	Yeah, and here's the thing.
	A lot of y'all want to travel and all this other bullshit.
	You want to fucking travel?
	You want to be like one of these bimbos taking pictures by the Lena Tower of Pizza and all this other pussy shit?
	Get a fucking travel credit card and earn that shit with your points, goddammit.
	There you go.
	Do not spend a goddamn fucking dollar of your earned money on traveling.
	That's feminine bullshit.
	You don't need to travel as a man in your fucking 20s or even your 30s.
	You need to be focused on making goddamn money because you don't have the luxury of having motherfuckers fly you out.
	It ain't gonna happen.
	You don't have the luxury of going to a major city, touchdown, with no fucking contacts, and still figuring out how to get into the VIP section of a fucking table.
	You know how many bitches come here to Miami and are able to get a place to stay, get a club, invite, get free dinners, etc?
	Bro, they don't know anybody here and they're able to figure it out.
	You can't do that as a fucking man.
	So you better...
	Make some goddamn money, have a travel credit card, and travel for free.
	You could be like these girls, but you earned it on your own by getting goddamn points.
	You want to travel?
	Get a Capital One Venture, get an Amex Platinum, get an Amex Gold, get one of these credit cards, watch our travel credit card episode.
	We give it to y'all, the best travel credit cards to get, regardless of your credit score.
	Get one of those, and then travel for free.
	Hold on.
	Do you remember...
	There was two girls here that traveled to multiple locations by themselves.
	They said they worked at a bar.
	Oh, the European chicks.
	Yeah.
	Would you know, I saw them a couple nights ago.
	They're still here?
	I was wondering something.
	I was like, hold on.
	They look so familiar.
	I had to think of their faces.
	But hold on.
	It's more to the story.
	I'm sitting at the club, right?
	And I'm like, hold on.
	I know a whole boy that she's with.
	So I text somebody, yo, come to my table, bro.
	I know he's with her, right?
	He brings her over.
	I'm like, yo, what's up, dog?
	You know she was on my show, right?
	He's like, yeah, bro.
	I've been fucking her for a minute.
	I'm like, where's she staying?
	On my spot.
	I'm like, bro!
	So my you, right?
	My you, my you, my you, my you.
	They making money!
	But I just know, bro.
	I just know, for a matter of fact, bro.
	They can't free shit.
	Yeah, they've been here, bro.
	I was gonna say, they're still here.
	Like, what the hell?
	From niggas.
	Bro.
	But you as a guy, you go somewhere for the first time by yourself, no one gives a fuck.
	Yeah.
	Bro, figure it out.
	Ain't nobody gonna let you crash in their crypt.
	Bro, they've been here for weeks.
	I didn't even know they were still here.
	Bro, they're still here, bro.
	Bro.
	Get it smashed and dashed.
	Yeah, man.
	Bro, like, yo, and I'm trying to tell y'all, like, you don't have that luxury as a guy, bro.
	Like, these girls be coming and traveling, be on boats, free alcohol, food, major cities expensive, and be getting, like, gifts and shit and getting shopping sprees.
	Bro, what man gets that done?
	You ain't getting none of that!
	Unless you're a gigolo, maybe, but god damn.
	Bro, y'all ain't getting none of that, so you better save your god damn money, make more money, and if you want to travel, do it off of god damn points.
	I know one guy, Casey, he gets spoiled like that.
	Comes to Miami, has a place to stay.
	Food too.
	Anyhow, let's continue.
	Pause, man.
	Yeah, we'll go number three.
	Surround themselves with people with less value so they feel better.
	Start off.
	Yeah, I mean, bro, your network is your net worth.
	You gotta surround yourself with people that are like-minded and people that are go-getters and people that are at least at your level socioeconomically, if not better, so that you aspire, so you have something to look towards, you know what I mean?
	Something to motivate you, you know what I mean?
	You need people that are doing better than you financially around you in your circle, right?
	Luckily, you know, we've been blessed where we have...
	A bunch of guys that we work with, other guys that are wildly successful.
	We're like, damn, alright, we want to aspire to get to this level, right?
	We've networked with a bunch of really successful people, whether it's Robert Kiyosaki, Grant Cardone, Brandon Carter, Mike Rasheed doing well.
	Steve from Accounting.
	Steve from Accounting, fucking killing it, man.
	Roger.
	Roger.
	Andrew Tate.
	Wes Watson, Andrew Tate.
	All these guys are super successful and making a bunch of money.
	You want to surround yourself with people like that so that you're like, damn, okay, I got to get after it.
	Yo, this dude's making this much money.
	We talk numbers with a lot of these guys.
	Damn, we could do more.
	You know what I mean?
	PPD, Justin Waller.
	PPD, all these guys.
	Justin, you want people like that that keep you motivated, man.
	I mean, hell, after I did the stream with Waller, we talked about real estate.
	He taught me a whole thing about trailer homes and trailer parks and Doing lease to own, sorry, rent to own type deals, owner financing, like all these things.
	I'm like, wow, this is really fucking great.
	And he's killing it, dude.
	But you only learn stuff like that from talking to people that have different expertises and different knowledges that you don't have.
	So you got to be around people that are killing it, man.
	So a couple of days ago, I did a masterclass about networking.
	And the number one point was to be humble.
	So it's very cliche, very simple to say, but what does that mean?
	You understand who you are.
	You know your way.
	You know your place.
	And for most people, they want to meet people that are higher status.
	They want to network.
	They want to make connections.
	But they don't know why they're here.
	They don't know what value they bring to people.
	They're just floating in the space of the world itself.
	So being humble just means...
	You know what you want, you know what you're about, and you know your place.
	And I think for most people, if you want to have people around you that are successful, they're better than you, they want to help people that are humble, that know their place, and want to move forward with a positive attitude.
	If you're negative, not humble, if you're arrogant, people like that won't get helped.
	And people that are in groups of people that are successful, they want positive energy around them, not negative, not draining, People adding value.
	So I think on some level, if you want to go further and succeed, you have to understand what you're about, who you are, what value you bring to the table.
	And you'd be surprised.
	Having that mentality, going into any space or hobby or sport or even event...
	People gravitate towards you because they know, wow, he's a positive energy, he wants to go somewhere in his life, and he's head on straight.
	It goes a long way, man.
	So I would just say being humble is going to be key to your success.
	And real quick, because I see some idiots in the chat saying, yo, you're not going to be making millions, and yo, these guys are out of touch with reality, or yo, just find millionaires.
	It's easy, bro.
	You fucking idiots.
	What we're saying is find someone that's at your level if not doing better relative to you.
	It's amazing that I have to...
	I gave you guys examples from my perspective of people that are doing good on my level if not better than myself relative to me.
	If you're making 50k per year, Network with the guys that are higher up in the company than yourself.
	Network with the guys that are where you want to be in the company.
	Network with guys that are in maybe a similar profession, maybe working for another company that are making as much as, if not more than you.
	Network with people in your situation.
	When I worked in law enforcement, right?
	I made sure I had a friend over at the FBI. I made sure I had a friend over at DEA. I made sure I had a friend over at...
	At almost every single federal agency.
	Fuck!
	I even had a contact over a fish and fucking wildlife.
	Okay?
	And the reason why is because if I needed something, I'd be able to call them.
	Yeah.
	Right?
	So since I got to dumb it down for some of you retarded niggas in the chat, I'm saying network with people, right, in your level, if not better, relative to where you are.
	Okay?
	So that doesn't mean that if you work at McDonald's, I'm telling you how to go out and seek multi-millionaires and become friends with them.
	That's gonna be tough, because a lot of times, there's gonna be a paywall that they won't let you fucking in.
	And they do that for a reason, because they want certain people in.
	So what I'm saying is that, of course, not all of you are gonna become multi-millionaires watching this show.
	We understand that.
	But if you can go ahead and increase your income, and then increase your net worth, that's a W. Most of you are not gonna become multi-millionaires, and there's nothing wrong with that.
	But, I want y'all to either fucking become, um...
	Well off doing so or die fucking trying.
	Okay?
	Make six figures.
	And that's the thing.
	A lot of y'all have this stupid ass mindset in the chat.
	Well, yeah, just network with millionaires.
	That's going to be easy.
	Or these guys aren't in touch with reality.
	Motherfucker, we worked regular jobs before we did this shit.
	Okay?
	I was working a job where I was making 50k per year.
	Worked my way up through the government.
	Got a bunch of respect.
	Was able to network and deal with other people in different agencies.
	And...
	And build a name for myself and I was able to come to Miami.
	I was only able to come to Miami and transfer from my field office because I network with people and I understood that my work speaks for itself and the only way I'm going to transfer out of fucking Laredo this hellhole is I need to become a better agent and do what the fuck I want to do where other offices want me.
	So what ended up happening was I had a choice.
	I could have went to Dallas or I could have went to Miami.
	I ended up going to Miami.
	And then had I not networked and done the best that I could and not get accepted by the Miami office, y'all would not have fucking fresh and fit.
	So don't sit there and fucking tell me, oh, well, bro, just network with people.
	Yeah, it sounds so easy.
	Yo, just meet other millionaires.
	Meet people that are successful relative to you and use that as a springboard to become even better and then go up the total pool.
	That's what we're fucking telling you, man.
	Are all of you going to become millionaires?
	No.
	But all of you can definitely earn six figures per year.
	All of you can definitely get financially free.
	All of you can definitely become better than where the fuck you're at.
	Instead of sitting there playing with your fucking titties and your fucking dick.
	Oh, I don't know if I'm ever going to be successful.
	Stop being a fucking bitch!
	If you're broke, if you're fat, if you're a loser, it's your fucking fault.
	Stop blaming other people for where the fuck that you're not supposed to, where you're supposed to be, man.
	If you're a fucking loser, it's your fucking fault.
	There's no excuse to be broke or not networked with successful people if you live in the fucking United States.
	You might have to pay to get into a network.
	You might have to pay to get into a mastermind.
	What I did was, to get into the internet world, I went ahead and networked with John Monolent Dating.
	Shout out to him.
	Right?
	He opened up the network to me.
	I always give him credit.
	If it hadn't been for John, I wouldn't be where I'm at right now.
	But, thankfully...
	I met him.
	He was wildly successful.
	He's still killing it to this fucking day.
	And I was like, yo, I need to network with people like this.
	And I was able to segue over from the government into the internet world by having someone that was very well versed in marketing and knowing what the fuck he was going to do.
	And I'm here now.
	Right?
	So you need to understand that you need to network with people relative to you at your level, if not better.
	So you can become better.
	And then, most importantly, when you do become successful, you don't forget about those fucking people that help put you on.
	Alright?
	Because that's about honor and integrity.
	So stop making excuses in the fucking chat, man.
	A lot of you niggas are brokies and that's why you have that stupid ass mindset.
	Well, I'm not going to become a millionaire, so I'm just going to fucking keep whacking off the porn and hanging out.
	No!
	The fuck, man!
	I don't care if y'all become a millionaire.
	Make six figures a year.
	Make 70k per year.
	Make better than what the fuck you're doing right now.
	All of you can self-improve.
	Incredible, man.
	W rant.
	It's funny because it goes into number two.
	Always have a story or excuse why they can't make it.
	Bam!
	Perfect segue!
	Perfect segue!
	That's why a lot of you motherfuckers are broke.
	You always have an excuse for why you're not where you're supposed to be.
	Some idiot called in a couple weeks ago on the call-in show.
	Well, Myron, you guys over here selling success points to these guys.
	Telling them to buy real estate.
	Telling them to become millionaires.
	Not everyone's going to become successful, bro.
	Blah, blah, blah.
	Look, man.
	There's a phrase.
	Shoot for the moon.
	If you fail, you'll land on the stars, right?
	Always aim high.
	Because if you miss, you're still going to end up where you want to be anyway.
	I know that most of y'all are not going to become multi-millionaires, multi-billionaires, whatever the fuck it is.
	I know that.
	But if I could take a guy that was making $40K per year, make him making $60K per year, or make him $80K per year, bring him to $100K per year, bro, that's going to be a W. That's a win.
	It's about self-improving relative to you to where you're at.
	That's what it's about, guys.
	But a lot of y'all had this defeatist mindset, well, I'll never be a millionaire, so I'm not even going to try.
	What the fuck is wrong with y'all?
	And then you wonder why no girl wants to go on a date with you.
	Then you wonder why no one fucking respects you.
	Then you wonder why you're ostracized by society.
	Then you wonder why people don't invite you out to do anything.
	Because you're a fucking loser.
	And you don't deserve to be invited to shit.
	You don't deserve to get your fucking dick sucked.
	You don't deserve to go on dates with girls.
	You're a fucking loser.
	A lot of you guys right now in this chat are making excuses for why you're a brokie, for why you're a loser, for why you're a fat piece of shit.
	That's why you're whacking off the porn every single fucking day.
	You need to look at yourself in the mirror and ask yourself, damn, am I happy with what I see back looking at me?
	Most of y'all can't say yes.
	That's the cold hard reality.
	Most of y'all look at the fucking mirror and are not happy with what you see looking back at you and you don't want to fucking do shit about it.
	All right?
	Until you decide, hmm, I don't like what I see looking back at me.
	I'm going to make a real concerted effort to improve.
	I'm going to go to the gym.
	I'm going to make more money.
	I'm going to change my fucking mindset.
	I'm going to stop having this fucking victim defeatist mindset.
	You're not a loser because you're not broke because of the color of your skin or your religion or any of that shit.
	None of that stuff holds you back if you live in the United States, okay?
	Get the fuck out of here with this defeatist mindset.
	The only person holding themselves back is fucking you, alright?
	That's the only person holding themselves back.
	So I need y'all.
	Look in the mirror.
	If the answer is no to am I happy with myself, you need to fucking take real effort to change yourself.
	Stop sitting there and making excuses for where you're supposed to be.
	W-Rant.
	Fucking incredible, man.
	Incredible.
	It's like, women are delusional about where they stand in the sexual marketplace.
	Men are delusional about why they're not where they're supposed to fucking be in the sexual marketplace.
	So, someone mentioned, why am I going to network people at Walmart that are higher up than me?
	And I'm like, yo, are you serious, bro?
	Like, if you're at a job, obviously speaking, you want to be the best you can at that job.
	Because when you're the best at that job, you get what?
	Opportunities.
	I mean, anyone that's successful can tell you this.
	You work at a job or company.
	The higher up you go, the more opportunities you get.
	So obviously speaking, you want to network with your boss.
	People are better than you because they give you opportunities.
	And they give you a pay raise.
	I remember back in my job, bro, like...
	I was making like a flat salary, less than $15 an hour basically they were making.
	I said, you know what?
	I want to make more money.
	How do I do that?
	People at the very top are making the most money.
	So I talk to them, be cool with them.
	Oh yeah, dude, work overtime.
	It's unlimited.
	Okay, awesome!
	So now, working with them, being cool with them, actually getting into their meetings, I'm looking for a company, I got a raise, and I can work unlimited overtime.
	What did that result to?
	Me buying my first property.
	So I mean, look, listen, you might say, oh, why be cool with my boss?
	Why even network people in my company higher than me?
	It's because it opens up the doors for you, which just means more access.
	And again, guys, I get it.
	You're saying, oh, well, you know what?
	I'm working at McDonald's, Walmart.
	It doesn't matter, bro.
	It's just more opportunity.
	And then when you get to that level where you're a manager, maybe you're even a boss of a store, Cool!
	You're running the store.
	Alright, now I can play this in my own business.
	The skills I've learned from this job.
	I make it work.
	So, you might just say, why?
	Why this company?
	Why do this?
	It's for a reason for yourself to become more successful and move forward, guys.
	Look, I get it.
	You don't want to be there at Walmart, McDonald's, but listen, you're there right now.
	How do you get out of it?
	Become better.
	Work better.
	Yeah, man.
	And a lot of you guys have this mindset of, oh, I'm going to start off making $100,000 per year.
	No!
	It ain't fucking going to go that way, man.
	You're going to have to work your way up.
	I remember when I was an intern, I was making fucking like $900 every two weeks back in like 2010.
	Every two weeks, like $800 to $900, man.
	Fucking broke in college, trying to figure shit out, barely afford to live on anything.
	And it's just like...
	Hey, you're not always going to start off making a bunch of money.
	Do not fall for this internet porn out here.
	Oh, you're going to be an entrepreneur, laptop lifestyle at 19 years old, make it 100k a month.
	It's not going to fucking happen, bro.
	It's not going to fucking happen.
	There's no such thing as a job is too low for you.
	Work at McDonald's, work at fucking Burger King, Uber Eats, fucking drive Uber.
	It doesn't matter.
	Get your feet wet.
	Make some money, and then climb up the totem pole, man.
	You're going to have to scratch and claw to get to where you want to be in life, and it is what it is.
	There's nothing wrong with working your way up, bro.
	There's nothing wrong with that.
	And you know what?
	Here's the other thing, too.
	You guys want to fucking know a secret?
	It's better that you get it that way.
	You look at a lot of these fucking delusional ass YouTubers that are young, they're fucking idiots!
	They're fucking idiots!
	Why are they idiots?
	Because they've never had to endure and actually get out the fucking mud.
	The important thing about suffering as a man is it teaches you fucking character.
	So when I say shit like, yo, integrity.
	Respect those that respect you.
	Don't betray your friends.
	Don't backstab them.
	Don't sit there and talk shit about them on the internet after you worked with them.
	That's fucking weird.
	Be a guy that values relationships over clout.
	A lot of these young guys don't understand a lot of this shit.
	It's like I speak a fucking Chinese.
	They don't even know what the fuck is going on.
	I'm telling y'all.
	You learn this shit when you climb up the ranks and you get out the mud.
	Because you're not gonna get out the mud unless you understand that integrity and being truthful, being an honorable, dutiful man is gonna get you far in fucking life.
	But you learn this shit through trials and tribulations of working a real fucking job.
	I want y'all to be real fucking men.
	Not being on the internet, cloud chasing all over the fucking place, not understanding how the world really works, and then you get in 25, 26 years old, you don't know shit, because you never actually had to endure, you never had to suffer.
	Real men are made from suffering, okay?
	When I was an athlete in college, and I was waking up every fucking morning at 5 o'clock, I didn't fucking feel like it, felt like shit, dizziness, because I had to run 7 miles, rowing all the time, going to the gym, etc., training 3, 4, 5 times a fucking day, for hours on end, I was like, God damn, this fucking sucks, but I thank God that I went through it.
	Why?
	So now, when I see some fucking loser like Anderson Reach, I know I'd smack the shit out of him because I've been through more in life.
	It gives you the confidence.
	It gives you the backbone to be able to stand there on your two fucking feet, ten toes down and say what the fuck you want to say because you've been through more than other motherfuckers.
	A lot of you guys have now suffered enough and you wonder why?
	No one fucking respects you because you're a bitch!
	You're a fucking bitch!
	You're sitting in your chest like...
	You're a fucking pussy!
	What the fuck is wrong with you?
	If you've suffered enough, no one will stop you from getting it.
	Okay?
	You're gonna have the mindset that I have.
	I will not fucking lose!
	These two pussies in Canada try to destroy us.
	Guess what fucking happens?
	We became even stronger from that shit.
	I'm like a fucking Saiyan.
	You hit me, I lived through the battle, and I get stronger after the fact.
	Now, we're number one fucking mess podcast in the world.
	Those two pussy clowns tried to destroy us, and they fucking failed.
	And Abba knows that if I ever see him, he's gonna see the wrath of fucking hell when I hit him in the fucking face with my fist and knock every tooth out of his fucking mouth.
	That's why he ducked me.
	That's what I want you to do.
	I want your opponents...
	To fear you!
	Have the fear of God!
	If I ever run into this motherfucker, he's gonna beat the shit out of me!
	That's what I want!
	Because you have the fierce tenacity that no one can fucking stop you!
	You understand?
	Stop being a fucking pussy in this chat!
	Tell me some dumb shit about, I don't know where he's dead!
	I don't know if I can do it!
	Yes, you can!
	Stop being a bitch!
	Fuck, man!
	That's what I want y'all to be.
	Where everyone is scared of you.
	They cannot stop you because they know if I get in this motherfucker's way, he's going to run me over.
	And he's going to destroy me in the process.
	No one can stop you.
	That's what I want you guys to have.
	Okay.
	That was W.
	Rant?
	Because that was real.
	God damn, niggas pushed the grill of mine off the table.
	Holy.
	On a lighter note, that was a good rant, by the way.
	Listen, here's some motivation for you guys, man.
	You don't believe in yourself.
	You don't know what to do.
	You're making excuses for yourself.
	Watch this video here.
	It's at 8 million views right now.
	I believe that people are in this position where they want to do better, but they can't.
	In their head, when you know it's possible, you can do better for yourself.
	So check this out real quick.
	Make last month.
	$120.
	$30 a week is what you made last month.
	How much money did we make?
	If you're going to 10x rule, I really would like to make $100,000.
	Why $100,000?
	Done.
	You don't have whatever it takes.
	Thank you.
	Good luck to you, all right?
	Thank you.
	Good luck to you, man.
	This is what every company in America is going through.
	We get worn out looking at resumes, so we end up hiring Walter.
	How much money did you make last month?
	$120.
	$30 a week.
	Keeps up with air.
	So back then, I had a business.
	30 bucks a week, right?
	That was my little, like, actual salary.
	Affiliate marketing.
	It's terrible.
	People laughed at me.
	Talked about it.
	I was nervous as hell.
	Went to this job interview with Grant Cardone.
	And obviously I'm nervous in that room.
	I'm like, camera's here.
	I want to work for him.
	He's a mentor to me.
	But it didn't work out, you know?
	I felt like shit after that, of course.
	And I didn't know what I wanted to do.
	But I need one thing.
	I don't want to give up.
	And because of that, you know, I realized I was not fit to be in that room.
	I was not where I needed to be, one.
	Two, I wasn't able to actually comprehend, you know, that level of, I want to say, entrepreneurship.
	And then three, I was not the man I needed to be.
	But that sparked me going through other things and having my own thoughts, my own ideas.
	And then from there, I worked two jobs where my ass off got to this point.
	So, guys, you're asking the question, why network?
	Why even push harder towards working in a company?
	It's because, guys, that's where you're at right now.
	It's not an end-all be-all, but that's where you're at right now.
	So ultimately, if you work towards doing better for yourself in a company, what does that mean?
	It translates to real life as well.
	When you're in the gym working hard, that's kind of like your place to recover, have clarity, to release their frustration, right?
	Same thing with your business, wherever you work.
	You're working there right now at a job, but you're not there forever.
	So work hard there, learn some skills for yourself to apply outside of the job, and make it work for you.
	So that's what I would say.
	Bam.
	Chats, and then we...
	Number one?
	And then we'll go into number one.
	Cool.
	All right, let's see here.
	Cool.
	Okay.
	We got Joe.
	At age 27, in 2016, I decided to take out money I put into BTC. So I got anonymously sports gamble with family...
	Sorry, without family finding out.
	I hit a big parlay on 100 BTC. Goddamn.
	I lost it all on sports.
	Now I get sad every time I hear crypto, how to get over it.
	That's life, bro.
	You make mistakes.
	You know, obviously that was a really bad mistake, and this is why we're so against gambling.
	But you just gotta look at yourself and say, damn, well, if I made it one time, I could do it again.
	I mean, bro, that sucks, bro.
	100BTC? Yeah.
	What'd you do with it?
	God damn!
	That's a couple millions now.
	Hey man, you're still breathing, bro.
	You might not get that back, but hey, you got something close to it.
	Yeah, if you made it one time, you could make it again, bro.
	You might not make as much, but you could definitely make something comparable to it again.
	I want to gamble, though, bro.
	I would just not gamble.
	Yeah, just don't gamble, man.
	This is why we're so against gambling, bro.
	Fucking gambling is terrible, bro.
	I'm 38 years old, firefighter, paramedic in Florida.
	I make $85k a year, $100k with overtime or more.
	I have a wife and two kids and a mortgage.
	I want to be a better provider.
	Only have $10k saved up and I feel broke.
	How can I be better?
	Well, my friend, again, you are working in Florida.
	The salary for one job is not enough.
	So you need either two jobs or a side business or a side hustle.
	Either way, you need to make more time for your income and for your money.
	Now, ultimately, it's going to suck because you have a wife and two kids, so less time for them.
	But in the long run, the more money you make, the better for them as well.
	Yeah.
	It's a sacrifice, bro.
	And also, look into investing in real estate, man.
	You might have to move your family, right?
	You might have to go ahead and do an FHA loan and move your family and get a multi-family, but that will set you up in the long term where you won't have to work as much in the future, man.
	Jay the Shooter...
	Oh, no, sorry.
	LOL says, I love your socked feet, Myron.
	Okay.
	Jay Garcia says, Jay the Shooter is a successful...
	Fire...
	FFL? I would like to run a profitable firearm business in the future.
	Suitable guest?
	Oh, okay.
	He has a firearms license to sell.
	Darren Myron, in Norway, real estate faces challenges with the 22% of mortgage interest deductible?
	Goddamn!
	2,500 monthly loan may yield 1,700 in rent, causing a deficit.
	Seeking advice on optimizing returns in this environment.
	Your insights.
	Bro, you gotta invest somewhere else.
	So, if the returns aren't good where you are in real estate, you gotta go somewhere else.
	Maybe it means you gotta start investing in the United States.
	Maybe in, I wouldn't do Canada.
	Maybe Dubai.
	I know Dubai has a thriving real estate market right now.
	But yeah, bro, if you're not going to get returns in your home country, look into becoming a foreign investor in the United States.
	That sucks, bro.
	Holy.
	Yeah, I'm not surprised.
	Super fucking woke, liberal country.
	That's what they tend to do.
	Jerome.
	Jerome goes, y'all making me reconsider the two Glocks.
	I bought this one on WFNF. Bro, what do you need two Glocks for, man?
	Just get one.
	That's it, man.
	Nigga trying to be John Wick.
	Yeah, man.
	Yeah.
	Come on, man.
	Like, what the hell?
	Faye's goes, Dear Myron in Norway, Real Estate.
	Oh, no.
	Read that one before.
	No, he didn't.
	I think he resented.
	I guess he sent it twice.
	He said it twice?
	Yeah.
	Yeah, but that's my answer to him.
	Look elsewhere.
	You got to look elsewhere, man.
	Look into the United States, see if you can become an investor here.
	Logan, evening brothers.
	Myron, if you're able to discuss it, how much was your first ever real estate property?
	Also, is it worth me going out there for closed properties to get started in real estate, or is there a better route?
	Foreclosure is a great way to go.
	It's just a little bit harder to go because you're going to have to go to the auctions, wake up in the morning early and go and bid on them.
	But foreclosures are always good.
	You can get them at a good deal.
	My first property, guys, what I ended up doing was I took over a property from my parents that they couldn't afford to deal with anymore.
	So I bought that cash and I took it and pretty much let the tenants know what fucking time it was and put it under new management and now we're good.
	So that was my first property that I bought my childhood home.
	Wow, that's hard, bro.
	Yeah.
	That's a good story, man.
	I didn't tell y'all that story?
	No.
	You didn't mention it was your childhood home.
	You just mentioned you bought a property for your parents.
	Yeah, so, yeah.
	Basically, my parents were struggling with this house.
	The tenants weren't paying.
	It was a pain in the ass.
	They still had to pay the mortgage and everything else like that.
	So I said, you know what?
	I'll take it off, y'all.
	I bought it cash.
	Actually, I took my retirement money out, and I paid the rest of it in cash.
	They'd had that house since, like, the year 2000.
	Damn.
	And my parents, like, kept refinancing it because they weren't the best financially.
	So they had a lot of debt on it.
	So...
	They paid it down a good amount, and then I just paid off the rest of it, took it over, let the tenants know, I and my parents, I'm going to kick y'all the fuck out of here, I'm not nice like them, and they started paying rent, and we got it now under management, and it's good.
	All right.
	So yeah, got to bail them out of that situation.
	That was good.
	Yeah, man, it was tough for them.
	Steve, and that was right when I left the government too, so it was a scary time in general.
	But hey, man, who dares wins, right?
	Made it work.
	Steve goes, start a new job at a car dealership.
	What would good advice going in?
	Advice, average pay is actually 80K, which is mainly a commission-based, but has a great model and daily requirements, so I'm excited.
	Would not have taken the steps if not for you.
	Yo, just, bro.
	Be nice to everyone.
	Be respectful.
	Be a sponge.
	Soak up as much as you can.
	It's a sales job, so it's going to teach you a lot of things about life.
	You could take that skill set into other endeavors.
	And, yo, just enjoy the ride, man.
	But be nice.
	Like, bro, be, just like Fresh said, with networking, one of the most important things is being humble.
	Like, be a sponge.
	Learn from everybody.
	Be humble.
	Be polite.
	Always make yourself available.
	If someone needs help, always help them.
	Even without them even asking.
	Just be that guy.
	You see a colleague that's been on the job for a while.
	He's doing a deal.
	Whatever.
	Can't find a pen.
	You fucking walk in.
	Here you go.
	Bam.
	You know what I mean?
	Little shit like that.
	People remember.
	I'm telling y'all, man.
	So, be an asset.
	Just remember, people don't buy cars, they buy people.
	Meaning, for example, if you are a good salesman, even the worst car in a lot, they'll buy from you.
	So, it's just like sales, honestly.
	So, I'll get a mentor in sales that's really good at sales.
	I think we're a good car salesman.
	Shit.
	Even Grant, man.
	Grant was a car salesman first.
	Yeah, he was at one point.
	Find a mentor in the space, learn about sales, and obviously practice with your clients and help them out as well.
	But remember, put them first as a client.
	Dr.
	B84 or, yeah.
	Oh no, Dennis.
	Got a question for Fresh.
	Fresh, I got a Civic right now.
	What would you think if I got a pickup as my next vehicle?
	I'm flipping the Civic.
	I just finished fixing it.
	I was planning on getting pickup to tow trailers.
	Also, Wstream, Wchatting, sorry.
	So you have a Civic right now.
	You're trying to flip it?
	So it looks like he's going to start a towing business?
	How are you flipping a Civic?
	Oh, maybe he works on it himself.
	Okay, if that's the case, then that's fine.
	Um...
	Yeah, I don't see why not.
	I mean, you can use the truck for towing vehicles to make some money.
	Start a business and write that shit off and make sure the truck is over 6,000 pounds.
	Actually, I know a guy that has a tow truck.
	He started on Craigslist.
	He's charging, I think, 300 bucks per pickup.
	Now he charges $1,000 per pickup.
	He has like two drivers too as well, making some good money too.
	It starts small, but you can work on it and make it way better.
	For my real estate business, I got a pickup truck.
	I'll use my Amex Gold, my real estate card, to put the down payment on it.
	And that car is over 6,000 pounds.
	It's 100% going to get the tax benefit.
	8%.
	Yeah, man.
	So make sure, yeah, 80% of it for this year.
	So, yo, if you're going to pick up a pickup truck, just make sure it's over 6,000 pounds.
	Write it off under your business and you'll be straight.
	And if you can, try to see if you can put the down payment on the credit card.
	There you go.
	That's what I did.
	Cheat code.
	Yeah, man.
	So you get all the benefits right there.
	WFNF, I appreciated all the value, eat, pain, and suffering for breakfast, WT. That's what it is, man.
	You gotta suffer, my friends.
	A lot of you guys don't want to do it to fucking work.
	That's why you stay broke.
	DrB84 goes, when I started residency in 2012, I was making $44K a year.
	I literally had one couch in my apartment, and it cost me $300, and I make $400K a year.
	And on three sections in my house, three sectionals in my house, started from the bottom.
	Shout out to DrB84, the doctor that got it out the mud.
	There you go, bro.
	Mando goes, want to put my rental in an LLC, live in Cali.
	Issue is I'm not sure if I should own a trust to own an LLC so that I may never be sued directly.
	Any suggestions that I can have the trust own more LLCs with one for each rental.
	Where should the trust be?
	Bro, just start simple.
	Get your property LLC first before you start talking about trust and all this other bullshit.
	Start with, like right now you're trying to sprint before you even learn how to crawl.
	Get the property under an LLC first.
	Have a holding company for that LLC. Then you can have a trust that holds all the main real estate LLC and all the subsidiary LLCs underneath that.
	But right now you're trying to sprint before you even crawl, bro.
	Get that shit first under an LLC before you even talk about trusts.
	And to be honest, I want to worry about trusts until you got a couple of properties.
	Alright?
	Yeah, it's kind of doing too much.
	Yeah.
	Get the basics first.
	A lot of you guys are analysis by paralysis, bro.
	Or sorry, paralysis by analysis.
	Y'all are like analyzing minute details when you don't have the basics down.
	Get your property under an LLC first.
	Get it off your fucking name.
	Okay?
	And we did a whole episode on that, by the way.
	LLCs versus S-Corps.
	Watch that that we did with Steve.
	Yeah, very good episode.
	Okay?
	And I explain how you do that.
	Cobalt says, moving cross-country in March, should I rent first to see where I want to buy or just do more due diligence up front and buy right away so I'm not wasting money on rent?
	I'd rent first.
	Yeah, rent first, bro.
	Just because you need to learn your environments.
	And obviously speaking, you might buy, but you might hate the area.
	So just rent first, bro.
	Rent first.
	Rent first.
	So you're not stuck with something, dude.
	Yeah.
	Um, Latino Engineer says, if it's not making you uncomfortable, you are not growing.
	This kind of rant from Myron is what pushed me to level up from 100K to 350K and retired the wife.
	Namely, getting over the fear of rejection and stop being a bitch.
	Seek mentors.
	There you go.
	Good stuff, man.
	I'm glad you're able to triple your income.
	Deal the exit says...
	A lot of you guys have it in you, man.
	That's why I yell at y'all, because a lot of you guys are just fucking soft.
	You have the mindset.
	If you're watching us, I know you have the mindset.
	Because clearly, you don't believe in the narrative on a bunch of this bullshit.
	So, if you have the mindset to go and seek alternative information, because you know the Matrix is lying to you and all this other bullshit, you definitely have the mindset to go out there and be successful.
	You need to nudge some of you pussies, because you guys are soft.
	I think for people, if you don't know it's possible, you won't even try to do it.
	And for me, I didn't know it was possible.
	Remember, I'm from a small island, bro.
	Never seen a Lamborghini.
	Never seen a Ferrari.
	Never seen a condo on this level, this high.
	So I didn't know it was possible.
	But coming here, learning from mentors, being open-minded, trying different things, I knew it was possible.
	And a lot of YouTubers inspired me, like Grim Steffen, Grant Cardone, you know, obviously speaking like Stradman, all these people that had successful stories.
	So, okay, they can do it.
	Why can't I do it?
	So I think the biggest thing known as possible, and then planning your goals around that.
	Absolutely.
	And then DODX says, finally, in a place to quit my federal job, I'm looking for advice on how you did it.
	Liquidating your TSP, how did you avoid a tax penalty?
	Also, if you didn't have to make the decision to quit or do the pod, do you think you would still be good at DHS? Yeah, I would have stayed.
	If I didn't have to leave, bro, I would have 100% stayed.
	Man, that was a great job.
	Bro, congratulations.
	That's awesome.
	You're in a position now where you can pick what you want to do.
	It depends.
	If you don't like your government job, then obviously leave.
	But if you enjoy it, bro, do both.
	Do both, man.
	You know, now it's just that you don't got to worry about your fucking supervisor being on your ass because you can literally tell him at any time, fuck off.
	So, it's up to you, though, what you want to do.
	Myron in the house.
	There is no fucking excuse to not perform.
	If you truly aspire to be a man worth your weight who can take care...
	He loves to be around.
	Then you need to perform.
	You need to rise up every time.
	Life tries to kick you down.
	Fuck being mediocre.
	Fuck being a bum.
	Fuck being a brokie.
	Level the fuck up.
	WMRMW Fresh and big fucking W to everyone watching this and leveling up.
	Thank you, man, so much.
	Baywoods goes, I have a concern.
	I'm upside down on my car.
	10 G's and my payments are $800 a month.
	Stupid decision I made years ago.
	I'm thinking voluntarily.
	Repo and hopefully settle with Collector for less.
	Good or bad idea?
	Bad fucking idea, bro.
	So, I was on the phone with my friend that was at the dealership today, right?
	Yo, repossessions, bro, are at an all-time high.
	Yo, I can't sell you, bro.
	How many cars have been turned in by or picked up by these companies, these banks, and the person's credit is fucked, right?
	So, they want to get a new car to go to work.
	Can't get a loan.
	So...
	I'll just say, bro, honestly speaking, bite the bullet.
	Keep making the payments until you can pay it off fully.
	I know it sucks, bro, but, like, dude, if you hit that hit on your credit, bro, it's going to fuck you up, bro.
	Like, it's not worth it.
	Like, you can recover in seven years, but is it worth it?
	No.
	Like, just don't do it, bro.
	Like, you made a mistake, 100%.
	I get that part, but, dude, just make the payments until you can pay it off.
	Or, make a deal with the bank if you can.
	Listen...
	I'll make a lump sum payment, and then...
	It depends on the bank, though, because I don't know if they'll do that.
	It depends on the bank.
	But if it's eating you that much, bro, you gotta bite the bullet, bro.
	Damn.
	Yeah, you have to.
	But that's the problem, bro.
	These banks will give you people loans, like 18 years old, 20 years old, of a BMW. I'm like, yo, they can't afford that shit.
	Why are you giving them this loan?
	But again, it's money in their pocket.
	Guys, man, please don't take fucking...
	Don't be fucking doing this shit with these cars, man.
	Just buy a piece of shit cash, man.
	$2,000, get yourself a Honda, nigga.
	$800 for a car payment is incredibly high, bro.
	That is high.
	Dude, that's like...
	What you whipping, bro?
	Like a foreign?
	That's a third of your paycheck, probably.
	Or a quarter.
	Goddamn.
	You gotta be driving some fucking nice Mercedes or some shit for that.
	Goddamn, bro.
	It's not worth it, man.
	I've seen so many kids that live at their parents' home, get a BMW or Mercedes, a high payment, and they say, oh, cool, I'm working at Publix.
	All right, bro, let's half your paycheck.
	Yeah.
	How do you save and invest in yourself?
	You can't.
	Not worth it, bro.
	It sucks, bro.
	And again, buying shit that they can't afford to impress people they don't even like.
	Yeah.
	Debbie Meyer, thanks for clarifying.
	Would you guys consider having someone on for vets to explain VA disability?
	So many don't know.
	I would suggest Combat Craig or VA Claims Academy from YouTube.
	Very notchable.
	We probably could, yeah.
	Yeah, we could do that.
	We had on...
	What's his name?
	What's his name again?
	We could bring...
	God damn it.
	He did a documentary.
	Oh, a documentary.
	Remember?
	He was here before.
	He spoke with veterans.
	Oh, um...
	God damn it.
	He's a Donculus.
	Him?
	The guy from Donculus.
	Oh, yeah, yeah, yeah, yeah.
	The author.
	Yeah, yeah.
	I can't remember his name, though.
	Yeah, fuck it.
	It's escaping me right now, too.
	Someone in the chat's gonna put it.
	Yeah.
	What else do we got here?
	Jay Salvador.
	Howdy from Texas, gentlemen.
	Hope y'all like my PFP profile photo.
	Is that me?
	Yeah.
	Okay.
	I can't see.
	Love what you guys do, but when is Vice City Myron on the wall getting his waves?
	I don't know.
	Probably not.
	J.H. Brown goes, Facts y'all, my boy is selling his single family home in San Diego.
	He's worried about buyers in this market.
	Two weeks later, BlackRock showed up offering all cash.
	Come on, man.
	You can't.
	Shout out FNFWMediaMo.
	I'm telling you guys, dude, like...
	You can't make this up, bro.
	People keep saying real estate is bad.
	Yeah, that's what BlackRock puts out into the media because they don't want you guys to compete with them and they're buying all the single-family homes they can, bro.
	You know what?
	Sell it to us, bro.
	Forget BlackRock.
	Sell it to us, man.
	Yeah, fuck with BlackRock, man.
	Sell it to us.
	Give us a discount.
	Pressure figure discount.
	You already know this nigga Plasma's playing to have fun.
	FNF. What?
	Playing to fucking win, bitch.
	Bitch-ass niggas.
	Okay.
	I make almost 90K a year.
	100K saved up.
	Crazy.
	The market we are in.
	I could barely borrow 300K and shithole properties start at 400K. Our gen is doomed.
	And those whore demons are helping.
	Helping either.
	Okay.
	Are not helping either.
	Yeah.
	Shit happens.
	Getting a loan now is going to be tough, bro.
	I'm telling you.
	Lavon goes, if you need another man to motivate you, you're already lost.
	Stop being a bitch and try.
	You know what's funny about that comment?
	I would disagree.
	Because, again, if you don't know it's possible, how can you even imagine to do it?
	And I think for most people...
	They might not have male figures in their house that can teach them to shit.
	That's not in you.
	I mean, I grew up with a single mom.
	Luckily, my guy and I was there for me.
	So he showed me a different way.
	But if you don't have that, how do you even know to do better?
	You can't.
	It's like you're stuck in that little box of, okay, you know, go to school, get a job, take care of my mom.
	Versus, there's actually a fucking man here telling me what to do that's done already.
	That's a huge bro.
	It's huge.
	Big difference.
	Yeah.
	Big, big difference.
	Jordan says, my side also is mobile car detailing and I make around 2k a month from it.
	I use my personal truck to carry my equipment and tools.
	How do I transition to a business vehicle or ride off my truck?
	- Hmm.
	So, well you can probably, if it's your personal truck bro, you might be able to write it off if you got a business.
	You might have to do it retroactively.
	Under the LLC, though.
	Yeah.
	Because right now, if it's under your personal name, you transfer that title to the LLC. Then, you can put it as a write-off.
	But right now, it's not a write-off currently.
	Trade it in and get another one.
	You could do that, too.
	And the next one you do, have the dealership or the owner put it under your LLC. Yeah.
	Yeah.
	That might be the move.
	Hopefully he's over.
	Talk about that accountant.
	Maybe you could do something retroactively.
	Yeah.
	Hopefully.
	I don't know.
	John.
	John goes, hello FNF. I'm 28 years old.
	I moved to Florida near Orlando to make 100K a year.
	I'm planning to open a business on the same niche at work.
	I have 10K saved, but I need 35K to start.
	What bank would you recommend to get the rest?
	700 credit score.
	Thanks for the help.
	Watch the episode that we did with Neal Davis.
	We talked about getting business line credit.
	Loans.
	Watch that episode.
	He rattled off a bunch of banks that you can go to, actually.
	So go watch that episode that we recently did with Neal Davis, bro.
	That will be gold for you.
	That's it.
	Alright.
	The last point.
	Fight ways to not be broke anymore.
	Alright?
	Final round.
	Number five, taking advice from the wrong people.
	Number four, spending money that you don't have.
	Number three, showing yourself with people of less value so you feel better.
	Number two, always having a story or excuse why you can't make it.
	It's a big one.
	And number one, worrying about work-life balance.
	So, I mean, guys, that right there, the term work-life balance just means...
	You want an easy way to make money and still have fun at the same time.
	And unfortunately, there's no way to do that.
	Unless you're a chick.
	Wink, wink.
	Oh no, but to be real though, guys, as a man, I think for most people, we can agree here, I've been on the podcast, we've met in person, but They went through a period of time where they put all their money, time, and effort into a business.
	And they didn't have any fun, bro.
	It was basically, they sacrificed their time, money, and mental capacity towards the business.
	Or even work for a company.
	Which meant, they honed in, they didn't mow, whatever.
	They were focused on that business.
	Now, balance of work and life, probably there was no balance there, bro.
	It was all hard work going towards direction or goal.
	So, this theory or myth of work-life balance, if you're starting out from the very bottom on the way up, it doesn't exist.
	It's like a far-fetched unicorn, you know?
	Oh, where's the unicorn in the room?
	It's not there, bro.
	So, you have to work on yourself as a man and say, you know what?
	Alright, I'm going to take this year, two years, three years, six months to myself and hone in and master a craft, a skill, or work in a business.
	I can't answer you guys.
	Six months to a year, if you plan to work, you can change your entire life.
	I'm telling you.
	It seems crazy, but learning a skill or a trade or even a business itself, six months to a year or more than that, that focus that you put into that can change your life.
	But again, if that was possible, if you know you can do it, believe in yourself or your team.
	So I would just say, word of balance, get out of your head, bro.
	It's not a real thing until maybe you've reached a pinnacle of success where it can matter and it does make sense.
	But at the very beginning, that balance is not there, bro.
	Put your ass to work 20 hours if you have to, 16 hours if you have to a day.
	But I guarantee you, once you finish that period of time putting that work, you're going to reap the benefits of you putting that work.
	Because at the very beginning, guys...
	You have to work hard.
	Either work smart or work hard on yourself.
	Then when that's done, you get to a certain level.
	Then you can say, you know what?
	Alright, I've made it.
	I have family.
	I've invested.
	I'm good to go.
	Let's do some balancing here.
	But at the beginning, there's no skills being balanced here.
	It's all hard work.
	Or smart work.
	You guys, it really comes down to this.
	You can either A, right?
	Sacrifice temporary fun.
	For permanent dreams or sacrifice your permanent dreams for temporary fun.
	And the reality is a lot of you guys are willing to sacrifice your permanent dreams for some temporary fun.
	That temporary fun is never going to get you fucking anywhere.
	Because I'll tell you this, going to the club, partying, drinking, popping bottles, are those people going to be there 10 years from now when you're fucking broke and wondering what the fuck you did in the years that you were supposed to be productive?
	Let me tell you something, they won't fucking be there.
	You won't even remember them.
	You might have them in your phone log somewhere, but you won't even know who the fuck they are at that point.
	Your party buddies and shit like that, they won't be around 10 years from now.
	So you gotta ask yourself, Since they're not going to be around, you're going to have yourself.
	Do you want to be able to look at that person in the mirror and be like, damn, I wasted all that time popping bottles, running around chasing women like a fucking moron, and I have nothing to show for it?
	Or you could go ahead and sacrifice that fun right now and then be able to build yourself into a situation where you could go ahead and go to the club and it's not going to set you back.
	It's not going to fuck you up because you built a solid foundation.
	You built an empire up where now you have...
	The privilege that you've earned, by the way, to go out and do these things.
	But a lot of y'all, man, haven't built the kingdom up and you guys are out here, oh, I'm gonna go party, I'm gonna go have fun, I'm gonna go do all this other shit.
	I've told you guys this before, I'm gonna say it again.
	I thank God that I sacrificed my 20s, being a Division I athlete, not doing dumb shit.
	Never taking a drug in my life.
	Not drinking.
	Not doing all that stupid shit.
	It taught me the rudimentary basics of masculinity which is what?
	Sacrifice.
	Discipline.
	Getting shit done regardless of how I feel.
	All these sentiments are things that you need to become successful in other endeavors in life.
	Okay?
	And unfortunately...
	It's just a rite of passage.
	That's what you want.
	That's what you need to do.
	Alright?
	So a lot of you guys right now, bro, how do you deal with fear of missing out, man?
	I'm 22 years old, I'm sitting at home, I'm studying, or I'm doing work, and I don't know, all my friends are having fun on Instagram and shit like that.
	Yeah, it fucking sucks.
	It fucking sucks.
	I can't tell you guys how many times.
	My 20s were dedicated to the US government.
	Uncle Sam took me from 20 all the way up until 30 when I left.
	My 20s were a fucking wash.
	Okay?
	I was in Laredo, Texas, working all the time.
	Didn't really have fun.
	Every now and then, I went back to home to see my friends once a year, every August.
	Other than that, it was work, work, work.
	All the fucking time, guys.
	And I'm glad for it because it kept me disciplined.
	It kept me centered.
	It kept me focused.
	And it made me have this killer mindset where I'm not going to fucking lose.
	And you need to be able to sacrifice fun, which is temporary by the fucking way, For long-term success, man.
	That's just how it is, man.
	Instant gratification almost always hurts you later on, guys.
	Anything that's worth having always hurts up front, but then gives you long-term pleasure.
	But anything that gives you up-front pleasure almost always hurts you long-term.
	Someone said in the comments, my kids mean the world to me.
	And I was like, understandable.
	I don't have kids.
	I can't relate to that.
	I agree with you.
	They mean the world to you.
	But if you're broke, can you give them the world?
	If they're sick, you need money for maybe operation, surgery, can you afford it?
	If things go bad, you might lose your job.
	Can you maintain a family?
	I mean, bro, these are real questions, bro.
	This is real shit, man.
	And it's like, bro, your kids, bro, love you.
	But do you love them enough to sacrifice, plan to work?
	Do you?
	So, I mean...
	Good point.
	A lot of you guys think being a broke kid is like, ha ha ha, yeah, man, I'm just couch surfing a little bit.
	Like, I don't get it.
	People...
	Need you.
	And your dumbass doesn't understand that people need you.
	And you can't even take care of yourself.
	How the fuck are you going to take care of a family?
	Bro.
	Don't you want a son or a daughter that can look up to you and be like, damn.
	They don't need a Batman or a Superman or any of this shit.
	You're their fucking hero.
	Bro.
	My mom is 71 years old.
	Right?
	She worked her whole life for me.
	Sacrifice.
	And I remember she gave up her dream of playing tennis to raise me.
	Dude.
	The moment I got some money to retire her and basically give her the best world possible of traveling, having fun with her friends to give back, how could I say no to that?
	How could I say, oh yeah, well too bad mom, you worked hard for me but I'm going to go live my life.
	No.
	First thing on the day was, in case I could tell you, retired my mom.
	She's going on cruises now, traveling with her friends, happy, but I couldn't do that if I was a brokie.
	You know what I'm saying?
	I just bought a new car.
	60k.
	Paid in cash.
	No payments.
	Houses paid off.
	Retired.
	She gets paid a monthly salary from my business every month.
	It's like, bro, that's not possible if I'm a brokie.
	And...
	I remember, bro, working on my job, right?
	Late night.
	People are like, yo, fresh!
	Come car, come party with us, come drink beer with us, come have fun with us at the club.
	Like, come with us, man.
	Work is done.
	I'm like, no, I gotta stay here, bro.
	6 a.m., I'll go to work, leave at 12 midnight.
	Every day.
	Fucking sucks, bro.
	I wanna cry sometimes.
	I'm here by myself.
	Fucking sucked.
	But what do they want?
	Freedom.
	Retire my mom.
	Lambo.
	Lifestyle.
	Being able to wake up and do what I want every single day.
	You can't do that if you're broke, bro.
	You can't.
	So, what does that mean to you, bro?
	Like, do you want to live, like, a broke for the rest of your life?
	Or do you want to change it for your family and yourself?
	And your kids as well.
	Yeah, and you might not even care about stunting and everything else like that, man, but do you care about the people that care about you?
	Can you take care of them?
	You know what I mean?
	Like, can you take care of your parents?
	Can you take care of your family?
	The answer is no, then you need to make it a fucking yes.
	It's not about stunting again, bitches.
	This isn't about that.
	It's about being able to take care of the people that you care about.
	You know?
	Like, my parents don't gotta fuckin' work anymore, right?
	You know, my dad, he's hard-headed so he's gonna keep his job because he doesn't wanna leave and he's gonna get his pension and my mom doesn't like to have idle hands.
	But they don't need to fuckin' work.
	You know what I mean?
	I pay their mortgage, I take care of them, whenever they need I always cover it.
	But that's where you wanna be.
	You wanna be able to take care of the people that took care of you.
	Like, what the fuck, man?
	Like, this is way bigger than just you guys.
	That's selfish, man.
	Like, a lot of y'all are like, oh, I don't need money like that, blah, blah, blah.
	It's not about having money just for you.
	It's about having money for the people that you care about so they don't have to worry about you, man.
	So they can not have to worry.
	They can fucking, if they want to go ahead and retire, you want your parents to keep working until they fucking die?
	The fuck is wrong with you?
	Nothing about it, bro.
	That's selfish, bro.
	You being broke is selfish, bro.
	Because people that put you into this world, bro, that care about you, they work hard to sacrifice for you.
	You can't do the same for them?
	It's true.
	That's selfish, man.
	If you think about it.
	Yeah, man.
	Make a change, bro.
	Yeah, man.
	Guys, I'm telling you, man.
	If you don't sacrifice fun, you're going to have to sacrifice your dreams.
	That's what it comes down to.
	What do you want to do?
	All right.
	So I think anything else?
	That's pretty much it.
	That's pretty much it, man.
	We'll read the chats and we'll close this thing out.
	What do we got here?
	3020 goes, definitely need a Myron Rant channel so I can listen while working out or working.
	I got y'all.
	Dennis.
	Dennis.
	Oh, Dennis goes, um...
	Guys, it's Dennis again.
	I just finished flipping the Civic.
	It was hit in the front and...
	Okay, got it.
	Now I see what you did here.
	I won it off auction on Copart, planning on selling it for $13,000 to $14,000.
	I was planning to buy Silverado 2500 2016 and save some money from my job to buy pickup.
	So what he did was he bought the car damaged, fixed it up, I'm just gonna sell it for more.
	That makes a lot of sense.
	There we go.
	Good job, bro.
	Good job.
	Send the Rockets.
	Send the Rockets says, Myron Fresh, thank you.
	I follow what you guys say 100%.
	My two-year-old son, mom, self-deleted this year due to seeing me elevating other issues.
	I'm married to a 24-year-old.
	She takes care of him out of the country in my foreign house.
	Should I bring her back?
	No.
	Don't bring her back, bro.
	Yeah, don't bring her, bro.
	Let her be over there.
	The problem is, bro, the moment you bring her back...
	TikTok, the mentality, the environment will change her to be unfit to be your thinker.
	She's going to deprogram a lot of the good habits that she has, unfortunately, bro.
	It sucks, bro, but that's the reality.
	Just let her stay over there.
	Yeah, bro.
	And it'll be better for you anyway.
	You'll be able to take care of them better, give them a better quality of life.
	Actually, you're right, because the money is going to go way further.
	It's going to go way further.
	Depending on where she's at.
	Thank you, amigos.
	I went from 45K as a janitor a year to 73K. Hospital tech, it's only the beginning.
	Gracias, single father.
	And my pride and joy is my daughter.
	Muchas gracias, cabrones.
	Shout out to you, my friend.
	That's what it's about, man.
	For all the haters out there that say, bro, not everyone's going to become a millionaire or become a six-figure earner.
	Bro, that guy just almost doubled his income.
	That's a W for us, man.
	That's a W for him.
	You know what's funny about having- And most importantly, it's a W for his fucking daughter.
	About having money?
	You don't need a lot to enjoy life.
	No, you don't.
	You really don't.
	You really don't.
	Like, dude, the more money I make, the more I'm in this lifestyle.
	You could tell as well because you're a minimalist.
	It's like, the things I want to do aren't that expensive.
	Yeah.
	Maybe go play some golf with some friends, eat some food, go Dave and Buster's, you know, play around a little bit.
	Maybe go on the app with some friends.
	They pay for most of it.
	It's split between all of us.
	It's like, it's not expensive.
	But if you look at it as keeping up with the Joneses, then it is.
	So it just depends on what you want, man.
	And again, you don't need to be a millionaire to enjoy life.
	You don't have to be a millionaire.
	You don't.
	We just want y'all to be...
	Every single one of y'all watching could be a six-figure earner, bro.
	Every single one of you guys can fucking do it.
	Like I said before, you already have the right mindset because you're watching this kind of content, which already tells me that you're Red Pillow wear to some degree.
	Then you're watching a Money Monday, even better.
	So every single one of you motherfuckers, all 9,000 plus you guys...
	Well, no, over 10,000 of you guys in here watching right now can be a six-figure earner.
	You got these bimbos on here.
	If anything, use the motivation of these whores coming on here showing their butthole making $100,000 a month.
	Y'all tell me he can't do that a year?
	I think Andrew posted this as well.
	There's a girl on TikTok that does the NPC movements.
	He was saying in a nutshell, she's making like what?
	I think 30k a week or something like that?
	Yeah.
	Or a day or something like that?
	Yeah, something stupid, bro.
	How else you're making more money than you?
	Like, just saying random shit.
	Absolute moron.
	It's crazy.
	Absolute moron.
	But that's the world that we live in.
	If you let it affect you.
	If that dumb bimbo can make it, you guys can too.
	Exactly.
	So.
	So.
	All right.
	Jaden Pina just subbed the channel.
	Shout out to you, bro.
	And Momo Yasin says, Hey, Myron Refresh.
	Thanks for the tips.
	Question.
	If the interest rate is too high, bro, which it probably is, you might need to just pull the trigger and get rid of that debt, bro.
	Because the interest is going to accrue at a higher rate than whatever he's going to get out of that S&P 500 account.
	Consumer debt, man.
	Y'all gotta get it down, bro.
	You guys gotta get it down because it will absolutely eat you alive.
	Also, being debt-free is one of the first steps to being successful as well.
	Yeah.
	When you're in hella debt that's bad debt, you can't really...
	Do the math.
	Crunch the numbers.
	Yeah.
	Unless you got some kind of deferment plan where you got 18 months interest-free or some shit like that, that's different.
	But if you don't got debt interest-free...
	Bro, I already know.
	Amex, they're going to be charging you somewhere between 13% to 30% easily.
	And then if it's a charge card, oh lord.
	Even worse.
	So, bro, y'all need to be careful with that, man.
	Video Games TV says, on YouTube a long time ago, Ninja Watcher guys, I would like to sell my gaming YouTube channel and eBay does not allow for this type of advertisement.
	Can I please use your platform?
	Do so.
	Thank you in advance.
	Okay.
	Bro, use that YouTube channel and make some goddamn money, bro.
	Andy Elliott broke the record in the U.S. for the most money made a year.
	Car salesman at $715,000 at one year.
	Please get him for Money Monday.
	I don't know who that is, but okay.
	That's dope, though.
	All right, guys.
	All right, man.
	We're going to be back here with some girls for after hours for y'all.
	Hope you guys enjoyed that episode.
	Hopefully, we'll put a fire under your ass.
	You're going to stop being a brokie.
	And last thoughts, man.
	Being broke is being selfish.
	100%, bro.
	Absolutely, man.
	Stop being a brokie, guys.
	We'll catch you guys back here in a little bit.
	Peace.
	Peace.

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