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Feb. 5, 2024 - Fresh & Fit

01:31:44

Top 5 Business Credit Cards

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Time	Text
	Thank you.
	What's up guys?
	Welcome to Fresh Fit Podcast.
	Regular edition is Money Monday.
	Today we're going to be talking about business credit cards.
	Guys, I've got a lot to share with you.
	Let's get into it.
	it.
	Let's go.
	Damn, man.
	Actually, it was fun.
	If you missed out on that, sorry to say it.
	Yeah, I did the Fed Reacts.
	We did Bonnie and Clyde.
	And then I'm going to re-upload it to YouTube, by the way, guys.
	It's on Rumble right now, the episode that we did with Bonnie and Clyde, but we're re-uploading it We gotta do an edit first.
	Yeah, but we gotta edit some stuff, but yeah, we're gonna re-upload it back to YouTube for you guys.
	And then after that, I went to the gym, and then we went ahead and did Overwatch.
	We went live at like 1.30 in the morning, because after I finished FedReacts, I was pissed off.
	I wanted to go hit the gym, because we played one game.
	Me and Fresh played one game after I finished FedReacts, and we lost.
	I was like, man, fuck this shit.
	So I went to work out real quick, and then I came back, and then we played again.
	We won most of our games, I think.
	I think we won, out of eight, we won at least six or five.
	Yeah, we lost like three games.
	Three.
	Three, yeah.
	Yeah, something like that.
	It was fun, though.
	We didn't rank up, though, so it doesn't matter, man.
	The whole ranking system is retarded.
	You can be the best player in the world.
	If your team sucks, bro, you lose.
	You can't do nothing, man.
	You can't do nothing.
	Oh, man.
	But anyway, yeah, we're playing that.
	That was a good time.
	They're going to make a league for it.
	We should play.
	Well, yeah, anybody can enter.
	We can make a team and just enter in.
	We need to talk to players, though.
	Good players.
	Yeah, we could make a team and just go in there with the new league that they got.
	Let's go.
	Fresh and Fit Pro Gamers.
	We'll get banned.
	No, you won't get us banned!
	We're going to get banned at the registration, bro!
	Myron Unleashed, Captain T-Bag, it's a wrap, bro.
	Well, yeah, I mean, put it this way, guys.
	There's a reason why we stream that on Rumble and we don't stream it on YouTube, bro.
	We would be banned within a day if you guys saw those streams on YouTube, bro.
	They're going to be like, excuse me, sir, what is your screening?
	Oh, I'm Captain T-Bag.
	Wait, what?
	Because we can't use stream elements for it either.
	We've got to use a whole other thing.
	It's going to be called Real Naked Gaming.
	So check it out.
	We're bringing Toxic Gaming back, guys.
	We're bringing it back.
	We're bringing it back to 2004 or 2005 where you can go in that lobby and talk shit and say what you've got to say and roast people for having nerdy-ass voices and being losers.
	We're doing that shit now, man.
	So, yeah, Real Naked Gaming is here.
	I think for the first time people play games, they've never been called out.
	And Myron will call you out.
	You suck, bro!
	I'm like the only person that does it, they'll be shocked too.
	They'll be shocked like, what the hell is going on here, man?
	And then they get mad and throw the game like, oh, you made fun of me!
	I'm gonna throw the game!
	I'm gonna stand still now.
	But yeah, bro, nobody trash talks anymore.
	When I trash talk, people look at me like I'm crazy, but I'm like, yeah, man, we gotta trash talk.
	See, I'm focused on winning the game.
	So I don't wanna talk to nobody.
	I'd be in the match too, like the match job, like y'all niggas trash.
	Yo, you can hear it from the other side of the room.
	Because you can talk to another team, but you can put in the chat.
	So I'll tell them you guys suck.
	And then certain words are banned.
	So instead of like, you know, saying pussies, I got to spell it with like a bunch of O's instead of a U. Or if I want to use the F word, if you guys know I'm talking about bundle of sticks, I got to go with a P-H. And then A-A-A-A-A-G-O-T-S. You know, shit like that.
	So, yeah.
	Anyway.
	Gotta be creative.
	And then they voice banned me for two weeks.
	And you got it back.
	I don't know how.
	Allegedly.
	Allegedly.
	It must have been my good endorsements.
	Yeah, but sometimes I sign and it says your account is silenced.
	Then I like re-sign back in and then I could talk.
	I'm like, oh shit, it's lit.
	Oh my god.
	Whatever works, man.
	Yeah.
	Anyhow.
	Bro, you just gave him the draw.
	Once again.
	Today's sponsor is Rumble.
	Yeah, rumble.com slash fresherfitman.
	That is the home base for us.
	And as well Twitter.
	Yeah, that's why we do our gaming streams too, guys.
	Because as y'all know, we can't stream on YouTube.
	I'll tell you this right now.
	We cannot stream none of our gaming stuff on YouTube, bro.
	Hell no.
	Hell no.
	Yo, why is he still on his Twitter, bro?
	Bills, what's going on, man?
	The world has to hear this, bro.
	What?
	It's a clean episode.
	Oh, yeah, yeah, yeah.
	Check me out on Twitter.
	I'm shadowbanned, though, man.
	I've been growing as much the past week or so, man.
	They shadowbanned me hard.
	I wonder why.
	But here's the thing.
	It's crazy because a lot of my posts still get crazy engagement.
	I'm getting 100k reach on almost all my posts, man.
	Even though they got me shadow banned to hell on Twitter.
	But yeah, guys, check me out over there.
	Unplugged FedEx.
	I go hard in the paint.
	I tweet at least like three to four times a day on there.
	And then also check out FedReacts, man.
	This is the YouTube version.
	We also have FedReacts on Rumble as well, guys.
	Go check it out.
	The Bonnie and Clyde episode is up on Rumble, but it is not up on YouTube because...
	YouTube is lame, and they fucking took it down.
	But it's going to be back up.
	We're going to re-upload it back for you guys.
	We're going to just have to edit real quick the rumble chat at the top because they go crazy in the rumble chat, and we'll put it back on YouTube for y'all.
	But other than that, man, I think we're pretty much good.
	What about you, man, your CEO network?
	Actually, before that, the vlog channel.
	So I went to a car show on Saturday.
	It was the Cars and Coffee in Miami.
	As you can see right there, Lambo Raul...
	His age is 25 years old.
	Has a Bugatti Chiron.
	Carbon fiber.
	All over.
	And I gotta say.
	At that age.
	Own a Lamborghini.
	Sorry.
	Own a Bugatti.
	I'm impressed man.
	I mean he works hard with his family.
	And trading stocks and stuff like that.
	But dude.
	That was inspiring.
	So that was a pretty good vlog.
	Go check it out.
	And listen, man, every day we get inspired by other people.
	But to see him at that age get one of the Bugatti was insane, guys.
	So anything's possible.
	So go check it out.
	And then last but not least, if you guys want to get type into the network, add value, give value, you want success, learn from mentors, hop into the SEO network.
	We do Zoom calls once a week.
	Tonight we have Zuby coming on the network as well.
	And then we'll do some more during the week.
	Is he in Miami?
	Well, no.
	He's in Dubai, I think.
	So we're going to do a Zoom call.
	Zoom call?
	Okay.
	And yeah, man.
	Type into that network.
	I'll see you guys in there.
	Yeah, Zoobie's everywhere.
	He's legendary.
	He's like the definition of like a nomad.
	Super clean.
	Yeah.
	Yeah.
	Yo.
	Bro, he don't swear.
	If you want the truth, but in a nice way, hit up Zoobie, man.
	He's that guy.
	Yeah.
	Literally, we agree on like almost everything.
	But yeah, he's just a cleaner version of us.
	I think if I was more articulate, I'd be like Zoobie.
	There you go.
	If I was.
	You're your African brother.
	My nigga!
	But yeah, today's topic is going to be the top five best credit cards for this year.
	Yeah.
	And as you guys know, we're big on credit.
	You know, credit's going to help you get an apartment, get a job as well, get loans at better rates.
	But ultimately, business credit is different because you want to have the separate personal from business.
	Because again...
	Personal credit cards are great.
	Personal credit is good.
	But it goes on your report.
	It can affect how you get other loans in that continuum respect.
	Versus business credit cards, it shows a history, but it doesn't report to your actual personal.
	Which means you can get more leverage and more, I want to say, debt towards business versus personal.
	So we'll break it down for you guys why business is better than personal.
	But we have five credit cards.
	And then also we should tell them how to get a business credit card from the beginning.
	So guys, so first you're going to need to start a business, right?
	So once you start your business, one of the first things you want to do...
	Is obviously incorporate it.
	We talked about this, by the way.
	Watch the episode that we did with Steve, our accountant.
	But obviously you can start it up as LLC, but at some point within the first year you want to switch it over to an S-Corp.
	Most of the time you're always going to want to switch over to an S-Corp unless it's a real estate property and then you can keep it as LLC. That's the only time you're really going to keep it as LLC. But otherwise you almost always want to switch over to S-Corp.
	Once you have your business established, guys, you want to open up a bank account, show some money in there, and then apply for a business credit card.
	I've noticed that Amex is the easiest to get a business credit card with.
	But keep in mind that a lot of times you're going to have to use your personal credit in order to qualify to get the business credit.
	It's a guarantee.
	So make sure, yeah, you're going to have to be the guarantor or whatever they may say, especially if your business is new.
	So the play is, is to build your personal credit to 720 plus and then apply your business once you make an LLC for your business credit cards.
	Now, with that said, right?
	When you first start your business off, guys, you might not have the credit or you might not be able to get a business credit card off RIP. History.
	It's okay.
	Use your personal credit card, right, in the beginning.
	As a guarantee.
	And that's fine, right?
	For example, when we started Fresher Fit, right, I used my personal credit card to buy a lot of the stuff that we had, right?
	Then, when everything was all said and done, I just separated those transactions and I showed it to my accountant.
	This is the stuff I bought for the businesses, etc.
	And then I immediately got a business credit card after the fact.
	But that first year, right, where you're still getting things ready, you're still creating your LLC and everything else like that, things might be a little discombobulated and it's not going to be easy to offer it to have a business account and have everything ready to go.
	If you could do that, that'd be awesome.
	But let's be honest here.
	Most businesses are unprofitable in the beginning.
	You're starting up from nothing.
	So you don't have all the resource a lot of the times.
	You want to go ahead and try to obviously open up your LLC as soon as you start making some money and then apply for that business credit line.
	You're going to have to use your personal credit, so make sure that your personal credit is good to get that first business credit card.
	And then I've noticed that Amex tends to be the easiest to get a business credit card with.
	Capital One tends to be pretty hard.
	And one of those cards we're going to actually talk about here in a little bit when it comes to Capital One.
	And here's a quick hack too as well.
	Let's say Chase, Wells Fargo, Bank of America.
	If you bank with them and you're a good, I want to say, user of your account is not negative or overdraft.
	If you apply for a credit card, it is way easier because they can see the trust, they see your account.
	Okay, he's a good customer of ours.
	We can assure that he's going to have an account with us, one, but two, he's actually a good customer.
	So we'll give him the card as well as more of a, I want to say, is a better option for you.
	So, I think if you have a bank account with somebody, Chase, Wells Fargo, or Bank of America, it's easier to apply for that credit card from them.
	Alien Papa, we're not saying showing your account and your work purchase enable you to get a credit card.
	That's for your tax purposes.
	What I am saying, though, is that if you don't have your business credit card and you're purchasing things for the business and you use your personal credit card, you need to make sure you differentiate what you purchase for the business from your personal stuff and let your accountant know so they can deduct that.
	That's what I'm saying.
	Because a lot of the times, you might not have a business credit card when you start your business off, So you're going to need to make purchases for your business, right?
	In the interim.
	So what do you do?
	You probably have to use your personal credit card.
	And you can do that in the beginning.
	Just make sure that you separate what you use for business and what you use for personal stuff.
	So what I did was, since I had multiple personal credit cards, we started Fresher Fit.
	I used my Amex.
	I had Amex.
	I used that one for...
	For everything for the business, so that way I was able to easily track it, and I was like, okay, I know this, I use this card for, you know, fresh to fit slash unplugged fitness crap, whatever, and then eventually, I open up that credit card, you know, fairly soon after that, that business credit card, then I use that for everything, and then that makes your life way easier, because then at the end of the year, you just print out, you know, January 1st to December 31st.
	Statements.
	Statement?
	One big ass statement that shows all the expenditures and then you just give it to them.
	And then now I have it where I have one for a fresh, I have like two cards for Fresh Fit and then I got one for my real estate business and then I just give them to my accountant based on whatever it may be.
	But that's where you want to get to eventually.
	But in the beginning, you're not going to be able to open up a business line of credit because some of y'all might not even have an LLC made yet.
	But you want to start your business and that's fine.
	You can start your business without starting the LLC and you can incorporate after the fact.
	But make sure that your personal credit is good because you're going to need to use your personal credit to get the business credit, guys.
	And then after that, then you want to start using your business credit to charge for things because when you use your business credit, it's not going to affect your personal credit.
	That's the main benefit, guys, of using business credit cards is they have higher limits.
	You're able to charge way more on them a lot of the times.
	And most importantly, it does not affect your personal credit to the same degree as when you use a personal credit card.
	When you use a personal credit card and you go 30% over utilization, they're going to ding your credit pretty hard.
	But if you have a business credit card and you spend $100,000, it's not going to have the same effect on your personal credit score because it's a business credit card.
	Yeah, well said.
	I think as well, don't forget that with business credit cards, you can also get better rates, one, and you get higher limits like you said before.
	Way higher limits, yeah.
	But keep in mind too as well, with the business credit cards, if you don't have actual credit from before, like it's hard to get a card, like personal guarantees that we said earlier.
	So that's a good point.
	Yeah, so just keep that in mind, guys, that you want to have good personal credit so that you can get your business credit line open, and then you can start charging on your business credit card.
	And we got five business credit cards for you guys today that you can use that will help you in your entrepreneurial ventures.
	Yeah, and then one more thing as well for business, if you're using credit cards for business purchases, if you have employees, right, that you work with on a daily, you can get their own cards from your actual account.
	But you can manage their expenditure way easier, see what they spent for the month, and then tally it up for your taxes as well.
	Good point.
	So, I actually do this.
	So, in my real estate business, guys, my manager, My dad has a credit card and my dad has a credit card.
	Because my manager here in Florida, Roger, he runs my properties here in Miami.
	And then my dad is my property manager in Connecticut.
	So they both have an Amex Gold that I gave them both.
	And then they go ahead and just use it to whether they're hiring people to fix stuff, right?
	Like the other day, we had a pest control guy come by or if I do something with the air conditioning or whatever it may be.
	Because trust me, Stuff is going to break down and you don't want to sit there having to constantly be the one to pay and all this other stuff.
	It's a pain in the ass.
	So always give people that you trust, especially in a real estate game.
	And I'm going to talk to you guys also about this, about how to set up your real estate with how to collect rent properly, etc.
	I pretty much have my infrastructure set up now.
	Hell, I might even bring my brother on and have y'all...
	Because he runs my online shit for me.
	I might even have my brother come on and we'll talk to you guys about how I... Because I have like 50 plus tenants.
	How to deal with that when it comes to headaches with tenants.
	How to deal with collecting rent payments.
	How to deal with purchasing and fixing shit that goes broken or whatever.
	You know what?
	Let's do that.
	Bring your brother on.
	I'll bring my sister on.
	She manages my portfolio for me.
	Oh, okay.
	Both family members can tell the audience how they manage already set properties for us.
	Okay.
	That's pretty good.
	Yeah, we could do that, actually.
	All right.
	Yeah, chat, y'all want that?
	Let's do that, bro.
	Y'all want to see my black-ass brother?
	Yeah, he's black as fresh, bro.
	My brother, man.
	I must say he's pretty old, so there you go.
	Yo, man.
	Okay.
	But yeah, I basically give them that's a good point.
	So give your employees, guys, basically credit cards where they can go ahead and purchase things on your behalf, and it all comes in one statement, and you'll be able to see it.
	So it makes life a lot easier for you so that you don't have to be the one running around and give them the card and shit.
	And then it's under their name.
	So if they go to a place and then they try to...
	Let's say they try to use your card but it doesn't have your name on it.
	And they'll be like, oh, well, we're not going to authorize this purchase because this could be fraud.
	Especially a lot of these retail companies now.
	They're worried because retail fraud is one of the fastest growing crimes.
	You give them a credit card with their name on it and they can make the purchase on your behalf.
	So in my situation, the people that run my properties, they have credit cards so they're able to go ahead and if shit needs to get fixed or whatever, they just make it happen.
	Pretty much.
	Yeah, that's the intro for business credit cards.
	Alright, we got five we can run through real quick, but let's do the chats first if you guys don't mind.
	Bills and Moe.
	L. Davis Fire says, I have a side hustle selling bread on the trunk of my car on weekends.
	I bit my bread starting from the dough, currently making $100 profit on a single weekend.
	Do you know any mentor on bakery businesses?
	Not specifically, but I guarantee if you Google it or YouTube it.
	But actually, there's one person that does it that we met.
	I can't remember his name.
	He called into the show.
	Yeah.
	But it was ice cream though.
	No, no, no.
	Not him.
	Somebody else that we met.
	I can't remember exactly, but I'll look it up.
	A bakery business?
	Yeah, he does a case and stuff like that.
	Okay.
	All right.
	Keem Chillingo, CEO of Network.
	Shout out to you, bro.
	Shout out to you, bro.
	Shout out to Keem.
	And then we got here, who's up next?
	Is that Jutz?
	Jules.
	Jules goes, started watching FNF late 22 since then.
	Started building my credit, almost 704 credit cards.
	Going to the gym four times a week.
	WKT started my Amazon business last year on my way to first 10K sales a month.
	Only 20, by the way.
	WFNF, the value is unmatched.
	Shout out to you, bro.
	That's how you do it, bro.
	What's up, man?
	Oh!
	Apparently, it's a scam.
	Yeah, everything.
	Bro, come on, man.
	If you don't put in the effort and try different things, bro, how would you even know for yourself?
	Speaking of scams, since we're scammers and we're here to scam you out right now, CryptoCourse is open, guys.
	It closes tonight.
	We would never.
	Today's the last day for the CryptoCourse, guys.
	We got 125 of you guys in there, man.
	Shout out to y'all ninjas, man.
	You guys are going to make some money this fucking go-around because I wish you guys had went...
	Last time.
	If you guys had joined in September when we told you guys, you guys would have been able to buy Ethereum at like $1,300, $1,400.
	And you guys would have been up significantly by now.
	But I get it.
	Some of y'all are like, oh, I don't believe, I don't believe.
	But look, man, you guys can see it here.
	They just made a fucking ETF for Bitcoin.
	It is here to stay, my friends.
	So get on the crypto train.
	And this is coming from two guys that are literally real estate dudes.
	We're not fucking crypto guys, right?
	We're fucking real estate guys.
	But we're telling you guys...
	Crypto is the future, man.
	It's going to come out on Friday.
	They're going to do their first call this Friday, Miguel and Charlie.
	They're going to be giving very intensive Zoom calls for like 10 days, I think, or two weeks, where they're going to teach you guys everything you need to know about crypto, whether you're a beginner, all the way up until advance.
	They read the charts.
	They talk about coins that are going to go up and down.
	They get into really detailed stuff that a lot of times you can't get into YouTube.
	So go check them out over there, guys.
	I know some of y'all are like, oh, this is a scam.
	Okay, man, that's fine.
	Y'all can call it a scam, but let me tell you this.
	When we put the course out last September, and you guys were sitting there saying, scam, scam, scam.
	If you had purchased back then, you would have made almost double your money.
	So how's that a scam?
	You know what's crazy about this too?
	Crypto is up significantly.
	McGill and Charlie told you guys from day one, buy two coins.
	Ethereum and Bitcoin.
	Bitcoin and Ethereum.
	Simple.
	That advice alone would have made you thousands of dollars.
	Yeah!
	Yo!
	And that was for free!
	Not to mention...
	That was for free!
	Free value.
	Now granted, you might say to yourself, that's too simple for me.
	I need something more advanced.
	But hold on, it gets better.
	They also mention other coins you could have bought back then.
	If you listen to them...
	Solana, etc.
	Yep.
	I'm telling you right now, guys.
	Guys, the man at work bought those coins.
	And they made hella money.
	But again, it's knowing when to buy and when to sell.
	And that strategy comes within the course.
	So listen, call it whatever you want, but it doesn't make people money.
	If you don't make money, it's fine.
	But this year, we're all making money on our team.
	So it's what it is.
	Yeah, man.
	And like I said, bro, you guys don't have to pay for the course.
	Just take the free information.
	But what I'm saying is at least...
	Take the information in.
	I don't give a fuck if you guys buy the course.
	We got 125 guys in there.
	We're fine.
	What I want you guys to do, though, is look at what the hell is going on with crypto and get in.
	That's all I want y'all to do.
	Get in.
	You don't got to spend a goddamn dime.
	Get in.
	Watch the last episode we did with Charlie and Miguel for free.
	Listen, by the way, you don't got to spend a dollar.
	I was one of you guys, man.
	I was like, crypto?
	I don't know, bro.
	But when I saw Mars Portfolio, bro, I was like, yo, nigga, put me in that shit now, bro.
	But it's all good.
	It's all good.
	Alright, cool.
	Who's the next chat?
	Ivan.
	Thank you guys for everything that you do.
	Because of you, went from 660 credit score to 720 as an immigrant.
	And those bums who were born in the U.S. are crying.
	I got high interest car loan, 28%.
	Goddamn!
	Should I pay it off first?
	Or can I start doing Amazon FBA with KT? 28.
	Bro, 28% is high as hell, bro.
	Is that buy or pay here you bought a car from?
	His credit score probably sucked when he bought it, maybe.
	But it's higher now.
	What should you do?
	Bro, I'm not gonna lie, bro.
	Get rid of it ASAP, bro.
	Because the problem is...
	Even at a loss?
	Yeah.
	I'll say this.
	Let's say he goes with KT, right?
	With KT, he's gonna make money.
	However, the profit margin may be lower at the beginning.
	So it's gonna kind of neglect the actual profit he's gonna make.
	So I would just say, get rid of that first, bro.
	And then when you're more stable...
	Debt-free, then focus on the business.
	Now, granted, if it's going to be higher profits than your interest rate, then maybe you want to play the numbers and see what happens.
	But generally, I would say pay for debt first, then invest into the business because you're going to be at a deficit currently at this point.
	Yeah, whenever you have super high interest loans like that, guys, you got to pay it off, bro.
	Because it's going to eat you alive down the road.
	That's damn near a credit card interest rate, man.
	That's fucking wild, bro.
	Nigga, why'd you...
	Bro, guys, stop letting...
	Yo, you know what we need to do?
	We need to do an episode, because we've been getting a lot of these questions on buying cars.
	Yeah.
	Bro, we need to do an episode on the automobile market and how to navigate it properly in today's day and age.
	Actually, like you said that, I have two experts coming on the show.
	Delicious owners and car sellers for auctions coming on the show.
	When?
	When?
	We need to do it ASAP, bro, because these dudes are out here getting killed.
	Bro, the 28%?
	The biggest crime, I think, is buying a brand new car.
	Because they don't tell you when you buy that car.
	The moment you drive off the lot, you're losing at least 20-30% of that car right away.
	So you're going to be upside down on the car no matter what you do.
	Buying a brand new car.
	And I did it.
	Trust me, I know.
	It burned me to actually pay it off, but bro, that's the only way to get rid of it, or pay the difference.
	So, it sucks, bro.
	We need to do an episode for you guys on how to, we should do it at different levels.
	Like, how to buy, how to purchase a vehicle properly, whether it's a, you said don't buy a brand new car, so I guess never buy a brand new car.
	Nah.
	But how to purchase a car and then we give them certain budgets.
	So for someone that wants to spend no more than $10,000.
	Someone that wants to spend no more than $20,000.
	Someone that wants to spend no more than $5,000.
	Whatever the fuck.
	And then we just work our way up and give them the best practices on how to deal with this shit.
	Some examples too.
	We've had so many of you guys either call in or be in the car market, try to buy a new car, etc.
	And I'm like, bro, if we had maybe put out an episode or something like that, we could have saved some of y'all from spending this goddamn money or getting locked into these terrible upside down high interest rate deals that you guys are getting with these cars.
	Like, bro, the buyer, if I'm not mistaken, right now, even though it's a shitty market, the buyer has the advantage, right?
	It does suck.
	So y'all shouldn't be getting finessed like this.
	The dealers need to be on your fucking tie, not the other way around.
	And the thing is, you have options, bro.
	If you're not giving them what you want from that dealership, go somewhere else.
	Simple.
	So, we need a whole episode on that.
	Yeah, we need to do an episode on this for the guys because this is like maybe the 50th guy I've seen within the past month.
	Even myself, the money I've wasted a loss on cars was immense.
	However, if we can stop you guys from doing that for yourself, it'd be way better because...
	Yeah, bro.
	For a guy, a car is going to be his, I want to say, go-to thing to buy, so that hurt you a lot.
	We'll do an episode for you guys on cars, and we'll do it from...
	Fucking Hondas all the way up to if you want to get a luxury car.
	Yeah.
	How to properly do it.
	Because I think at this point, Fresh, you pretty much know how to get any type of car.
	Bro, I took too many L's to not tell you guys.
	Actually, you know what?
	Golden rule.
	Never buy a brand new car.
	Unless you get an allocation for like a Lamborghini, a special, or a Ferrari special.
	But an average car, luxury car, regular, don't buy it brand new.
	Trust me when they say you're going to lose money.
	100%.
	Even for business purposes?
	Even business, I wouldn't do it.
	Damn, even behind a G-Wagon for the tax write-off.
	I'll get pre-owned or off-lease.
	I will not buy a brand new car ever again.
	Unless you get an allocation where it benefits you, for example, a special Lamborghini or Ferrari.
	That's the only reason I'll buy a brand new car.
	Okay.
	Because that actual allocation is set for you, and there's not many of them on the marketplace.
	So when you drive the car, you can sell it for a higher amount or to break even, at least.
	Okay, but I'm assuming there's only...
	That's probably like collector's item type vehicles.
	And you're buying it probably cashed.
	So, I mean, honestly speaking, just buy, use, or pre-owned.
	This is better for an Irish person.
	Okay.
	All right.
	We'll do that episode for you guys, man.
	We got you guys.
	And then Fresh has more resources now, too, because he has his...
	You literally have a car rental business, so...
	I'm going to drop a full-length video about this, but you can actually get cars that you want, rent them out, let it pay for itself, and have your dream car at the same time.
	We'll talk about it more, but that's coming in the near future.
	Okay.
	We got y'all, man.
	Yo, this is literally the 100th person I've seen get finessed by these fucking dealerships, and it pisses me off.
	Guys, this year, we're moving smart, making money.
	And gang bitches.
	All in one, man.
	We got y'all, man.
	On GTA Online, it's a lot of trash talking.
	Oh, I never played GTA Online.
	We have here, Batfeast says, what's the difference between a pirate and a privateer?
	Nothing but a letter of marquee and reprisal.
	If you know, you know.
	Does no one care about the 10th Amendment?
	I will start by voluntarily closing my constitutional borough on, sorry, and let the state do its job.
	What you talking about?
	B-A-T-F-E? Nothing but...
	Oh, I think he's trying to be funny.
	He's playing on the ATF. Beer of Alcohol, Tobacco, Firearms and Explosives.
	Okay.
	But no one calls him that, man.
	Okay.
	Okay.
	User goes, hey, FNF, I live in Ireland, but there are no credit cards here slash scores.
	If I was to come to the U.S. and tell a bank, hey, I want to open up a bank account slash credit card credit, but I'm a student in Ireland and don't live in the U.S.A., can I pay bills on time in Ireland, etc.?
	I think there are credit cards for foreign nationals that you could apply for.
	But you might have to go ahead and start with maybe a secured credit card or something like that.
	Jeremy Williams goes, Good evening, fellas.
	Shout out to you guys.
	I've been trying to get in contact with you.
	I have a trucking business called Running Scared Trucking and would love to be on the show and talk about the ups and downs of the trucking.
	IG is...
	Big Ting San Juan.
	I guess he's Jamaican.
	Big Ting San Juan.
	Big Ting's a guan.
	Oh, okay.
	I guess he's Jamaican.
	Alright, can you look that up?
	Not Bill's, Moe, please.
	I does about $46 worth of silver, okay?
	175 troy ounces.
	I use my credit card, credit sign-up bonus, and my tax refund to reduce the bill down to $1,400.
	Guys, buy silver.
	Its spot price is dipping and premiums are in the dirt.
	Accumulate assets 2024 is our year, boys.
	Hey, man.
	What's that, bro?
	Hey, bro.
	I tell y'all everything, man.
	I got silver myself.
	I got like 200 ounces.
	You should have silver.
	You should have cash.
	You should have real estate.
	You should have crypto.
	You should have every fucking asset class, guys.
	Everything.
	Get some gold, too, if you guys want, even though gold is almost too valuable.
	But...
	Well, yeah.
	Precious metals are good, man.
	You know, I know a lot of people are like, oh, this is just what fucking boomers and doomers get.
	Hey, man.
	Precious metals are good, too.
	What else do we got here?
	Dennis.
	Oh.
	Oh.
	Clego Myron goes, when you guys planning on talking geopolitics again and them boys with either Scott Ritter, Douglas McGregor, Jake Shields, Owen Benjamin, Ryan Dawson, etc.
	Um...
	We will have Jake Shields on.
	I'm going to probably see him while I'm in Vegas, but we've got to figure out when we're going to do the pod with him.
	Douglas McGregor?
	Oh, I sent him a thing on Twitter.
	See, these older guys, bro, they don't manage their social media, so they don't know.
	I've got to get a hold of them.
	And then Ryan Dawson, you guys know.
	And then Ritter was in Russia.
	I think he's back now.
	I could hit him up.
	But...
	Guys, anything political is going to be rumble only, bro.
	Just to let y'all know.
	We won't be able to do it on YouTube, man.
	Because YouTube is...
	Different.
	Does any crypto wallet matter?
	Like a cold storage wallet?
	They mentioned...
	Trezor.
	Trezor is the one that they recommend.
	Yeah.
	So be careful.
	Could you please do an episode with an expert to talk about credit and especially real estate in Australia, A to Z? Rules are so different.
	High limits can hurt you with loans.
	No one's as transparent as FNF. That's true.
	These other YouTubers would never show you guys what the fuck they got.
	Bro, we need to go to Australia, man.
	Yeah, we are going to do Australia.
	Don't worry, guys.
	We should do this trip.
	But I don't think we know anyone in Australia that's Australian with real estate.
	We can figure it out.
	When we go out there, maybe we'll do an episode like that.
	Yeah.
	But we will go out to Australia, guys.
	Don't worry.
	We need a panel with the girls, bro.
	There's some baddies over there.
	They're going to be the same as here, man.
	Hey, man.
	Australia, bro.
	What up?
	They're going to be the same as here, bro.
	Yeah, yeah, of course.
	But still.
	What's up, fellas?
	Recently got my LLC, and I was wondering from you guys' experience, what is the best business credit card?
	We're going to go through that list right now.
	I got you.
	Third iProfit goes, so I tried getting in the crypto course, couldn't figure out how to buy it with crypto messages, support email last Friday, and have nothing from them.
	What do I do?
	I don't want to miss this.
	You gotta message charlie at cultivatecrypto.com.
	I'll tell you this, bro.
	They're very busy.
	So I guarantee you a bunch of guys have probably messaged them to get the crypto discount.
	But, bro, it's 15%.
	If they're not responding, bro, just fucking just go ahead and get the course.
	Just spend the $1,000.
	Get in there.
	And then you could probably iron it out with Charlie on how to get that discount after the fact.
	They'll definitely honor a discount after.
	So just do that.
	Uh...
	Avengers Centennial.
	Uh...
	Listen, man.
	I'm gonna say it right now, bro.
	I can read it.
	I'm gonna say it right now.
	Okay, go ahead.
	Luke Belmar is a friend of mine.
	He's an awesome guy.
	And he's been on, you know, network a couple times before.
	We'll bring him on the pod.
	Alright.
	Right?
	Eventually.
	Yeah.
	He's not here, right?
	Yeah.
	He'll be here soon.
	Okay.
	Yeah.
	Does he even live in America?
	I don't know where that nigga lives, bro.
	Oh, okay.
	But hey, he's a good guy.
	Yeah, y'all always ask, but he's never here, bro.
	Yeah, he's all traveling and stuff.
	Yeah, we'll get him on, all right?
	So stop fucking asking, man.
	Goddamn.
	All right, before I watched, this nigga make fun of me.
	Before I watched FNF, I was a tech nerd virgin making 300K, and now I'm a Miami club promoter getting late every weekend making 40K. Thanks, guys.
	Also, y'all should listen to this song, Domestic Violence by Pretty Whores.
	I think it's about Amber Heard and Johnny Depp or O.J. Simpson.
	I think he's just trying to be funny.
	Okay.
	I will continue to support the chat until it happens.
	Please get Andy Elliott for Money Monday.
	Who's Andy Elliott?
	I think he said that before.
	I can't remember who that is.
	I don't know who that is.
	Hey, Martin, I plan on buying one gram of gold a month, $100 worth.
	What website do you recommend me purchasing it from?
	Also, I know you said put oil in my protein shakes for weight gain, but how much?
	Just measure it out, bro.
	If you're having issues with gaining weight, just put a couple tablespoons of olive oil in there and it'll help you with...
	Artificially increasing the calories without you necessarily feeling it and getting a full-ass stomach.
	Pause.
	And then as far as...
	What was the other thing he had?
	Other question?
	Oh, gold.
	Watch the episode that we did with Aaron Cleary where he talked about buying precious metals and how to get gold.
	But I know, if I'm not mistaken, because I don't buy gold, but I know you need the...
	God damn it.
	The certificate.
	But honestly guys, it's better to just get the gold itself versus getting like a receipt.
	Like we owe you this much gold.
	Fuck that shit.
	Get the gold bar itself.
	Get the gold bar itself.
	Like don't do the shit where they give you like a little thing saying like I owe you.
	Nah.
	Get the actual hard asset itself.
	But I don't have gold myself guys.
	I just got silver.
	So you might want to check back that episode where we did.
	I think Aaron Cleary talked about how to buy gold properly.
	And he gave the website.
	Actually, hopefully we'll see him when we're in Vegas.
	That crabby bastard.
	So we'll see where he's at, man.
	Grandpa!
	Yeah, the girl was angry.
	At the clouds!
	Yeah, he's yelling at the clouds all the time.
	These millennials!
	Okay.
	Okay.
	Top five credit cards for business.
	Let's go for number one.
	Okay.
	We'll count down from five to one, right?
	Five to one.
	All right, go ahead, bro.
	Bills.
	First one, 521, is going to be Blue Business Cash.
	I have this card.
	This is a fantastic card, guys.
	What made you get?
	And it's easy to get, too.
	So this was actually the first business credit card that I got, guys.
	Fairly easy to get.
	American Express is pretty flexible when it comes to new business owners.
	This is a charge card, though, which means you need to pay it in full every month.
	But it is a fantastic card.
	And the reason why I like this card so much is...
	Let's see what the...
	Okay, when I got it, it was 2%.
	Okay, yep.
	Okay, yeah.
	So it's the same thing.
	2% cash back on everyday eligible business purchases up to 50k per calendar year automatically credited to your statement.
	So what that basically means, guys, is every...
	You get 2% cash back on everything.
	So if you spend $100, you get $2 back.
	Now you guys are probably like, what the fuck?
	That's nothing.
	Well, if you're spending thousands of dollars for your business, bro, you're going to be getting quite a bit of money back.
	And here's the thing.
	It's free money that you're getting on purchases you were going to make regardless.
	Because a lot of you guys like to buy shit in cash or with a debit card like a fucking idiot.
	No, man.
	Always use credit cards that pay you back.
	Whether it's a travel credit card or a cash credit card, I always typically recommend that when you get a credit card, guys, a beginner, your first...
	Credit card that's going to give you some kind of value back.
	The best one that most people are going to benefit from is a cash back credit card because you can always use cash or you can always, you know, go ahead and afford to get a credit to your statement like this situation does.
	So, you know, down the road when you, you know, when you start a business or you got to travel or you want to travel or whatever it is.
	Or you have certain types of, you spend money at one place all the time, you want to get a specific credit card for that place that you spend money at.
	But in general, when you get your first credit card that gives you some type of reward, guys, cash back is always the way to go.
	And you always want a credit card that gives you 2% cash back, if not more.
	Okay?
	That's the bare minimum I always say.
	Maybe 1.5 if the other benefits are fantastic.
	But 2% is like the standard.
	You always want 2%.
	And for a business credit card, that's really good.
	The beauty is that with this card, everything's 2%.
	You don't have to think about, okay, is it gas today, groceries today?
	Because some cards kind of delegate for different categories.
	What percentage you get is higher.
	But with this one, you set it and forget it.
	2% on everything.
	On everything, yeah.
	You can't beat it.
	And also, spend it.
	I think you would spend money anyway.
	So, for example, putting in gas, buying groceries, for example, maybe making a car payment.
	Whatever you can with your credit card, you should spend money anyway.
	Use it to get points.
	Yeah.
	The dumbest thing that you guys can do, and I've been yelling at you guys for years about this, is use a debit card or cash.
	That's what brokies do, okay?
	Brokies use cash or debit cards, okay?
	Anytime I see somebody pull out a fucking Bank of America debit card or a Chase Bank debit card or a fucking TD Bank credit card, I'm like, brokie, poor.
	Stupid.
	Idiot.
	Not financially savvy.
	Use credit cards for absolutely everything, guys.
	And if you're really smart, you have a credit card based on how you spend your money.
	So for example, I have a travel credit card.
	I got a cashback credit card.
	I got an Apple fucking credit card.
	I got a credit card for any type of situation on where I might spend money.
	And because the reason why, guys, is because when I use this credit card, it's going to give me some kind of benefit back.
	Okay?
	I never spend money unless it's going to give me a benefit back.
	Whether it's a tax write-off, it's going to be cash back, or something like that.
	You always want to have a credit card for the situation.
	And then if there's a situation that's kind of more general, right, you buy some groceries or some shit, okay, the cash back credit card is going to work.
	But for some of you guys, right, that love to go grocery shopping and like to cook and you niggas want to be Amarillo Lagasse and shit, that's fine.
	There's credit cards that you can use specific to grocery shopping.
	They give you like 3% to 5% cash back.
	So, there's always a credit card based on the niche that you like to spend money on.
	If you're always buying gas because maybe you're a truck driver, or maybe you travel a lot, you like to drive, you're one of these like, you know, like to be on open road type niggas, that's fine.
	There's credit cards that are specific to gas stations that give you 3-5% cash back.
	You like fine dining, there's credit cards that are specifically made for that.
	You like to fly fuckin' a certain airline, Southwest or whatever, they got credit cards for that.
	So there's no excuse ever to use a debit card or cash for anything, guys.
	That's brokey behavior.
	Anytime I see someone use cash or debit card, I know automatically you're fucking brokey.
	And nine out of ten times, you probably are now financially savvy.
	You probably have shitty ass credit score, which is why you are relegated to using a fucking debit card like a fucking peasant or cash.
	Never use cash or debit card, guys.
	It's the stupidest thing you can do.
	Why the fuck are you going to use your own money when you can use other people's money and get a benefit from it?
	This is what rich people do.
	They use other people's money to procure benefits.
	Assets and or benefits to themselves.
	Even if you're buying some dumb shit.
	I don't give a fuck.
	You want to go buy some towels at Target or some shit?
	Use a credit card!
	Get some money back!
	The fuck is wrong with you guys?
	I remember when I was a kid, my auntie from Maryland, the Muslim by the way, they would always use cards.
	Now, I'm like, why do they use their credit cards?
	Well, for example, hotels that they would stay at, Marriott especially, they didn't pay anything.
	I was like, how do they make getting these hotel stays and free trips?
	But they were using credit cards.
	And literally, their whole travel expense was paid through cards.
	But they spent money on groceries, car issues, equipment, stuff for their businesses, all in their credit cards.
	So whenever they travel, it was all free.
	Because they did what?
	They were smart to use credit cards for their daily purchases.
	It's just smart, man.
	And here's the thing.
	I just ranted with you guys as far as getting free money, but what you also don't realize is when you use your credit, guess what you do?
	You're bringing up your credit score.
	And when you bring up your credit score, that's the most important thing, because now your credit score is high.
	Guess what?
	You want to apply for a home loan?
	You want to apply for an auto loan?
	You want to apply for...
	For anything that you want to apply for a loan in general, right?
	You're going to be able to get a very good and competitive interest rate because your credit score is high.
	And the thing is, a lot of times, especially if you're trying to buy a fucking house, guys, you want a 30-year fixed loan, you want your credit score as high as possible because that 30-year fixed loan that you're getting, assuming you don't refinance or do anything else like that, you're going to be stuck paying that interest rate forever, right?
	For 30 years.
	But if you have a good credit score and you've got the interest rate, say the market's at 3%, and you're able to get it close to that 3%, bro, you fucking won!
	You just saved yourself thousands upon thousands of dollars by having a good credit score.
	Just from not being an idiot and using a card that you would have been using anyway to purchase things.
	But you must always pay it off.
	Like what my auntie does.
	Every month they pay it off right before the statement date.
	So it's always paid off.
	No interest.
	The smart thing to do, guys, obviously only spend money that you have, right?
	But you should be using that credit card to purchase the things and then pay it off in full so you don't give these credit card companies any interest rates.
	Because if you guys don't, you guys can see here, interest rates fluctuate wildly from 17 all the way up to, I've seen, 30% plus.
	So guys, don't wait!
	If you're using debit, stop it, use credit.
	Alright, number two.
	Second card.
	We're going to talk about this one here, Bills.
	Chase, this idiot said, Meyer promoted credit cards because of a skim card business.
	What the fuck are you talking about skim card?
	Some of y'all niggas are retarded.
	What are you talking about skim card?
	I don't have no fucking skim card business.
	What the fuck are you talking about?
	I honestly think they just talk the talk.
	Yeah, some of you niggas in the chat are idiots, bro.
	Holy fuck, man.
	Some of y'all are literally retarded.
	We get no benefit from telling you guys to get credit cards.
	Zero fucking benefit.
	Zero benefit.
	What the fuck do I get by telling y'all to get your credit score up and to get credit cards?
	These niggas aren't paying us.
	We're not sponsored by none of these cards.
	We're telling you guys to get these cards because we genuinely want you guys to get your credit score up, have multiple credit cards in your arsenal, and get free money, get free travel, get free points, and not have to pay for stupid shit that you can get for free.
	The fuck you talking about credit skimmer?
	What the fuck is a credit skimmer anyway?
	I wish when I was coming up, I had channels like this telling me what cars to get.
	Because I didn't know what to get myself.
	I mean, bro, if you don't see the value in this, bro, just leave, man.
	Just leave, bro.
	We're scammed you guys.
	Bro, come on, man.
	It's free value.
	What the fuck, man?
	Anyhow.
	It's always brokies that say stupid shit like that, bro.
	And here's the thing.
	I've been using credit cards since I was 18 years old, guys.
	I've been telling my friends this shit since I was a fucking teenager.
	Yo, use a credit card.
	Use a credit card.
	Like, this is fucking stupid for you to use cash or debit cards.
	I've been telling people this for fucking the better part of over a decade.
	I got my first credit card when I was 18, bro.
	And this info, your parents should be telling you this.
	But guess what?
	Sometimes, we're just by a single mom.
	She don't know it better.
	So we're going to help you guys out with some advice.
	That's it, man.
	That's really it, bro.
	Goddamn.
	I mean, come on.
	Okay, Chase, Business Unlimited, my favorite credit card, because once again, business credit goes a long way.
	So let me explain.
	Personal credit cards have limits to it.
	Obviously speaking, it's personal credit against your as a guarantee.
	Versus business credit uses businesses for like a, I want to say, foundational pull, which means your business is going to be liable for everything.
	However...
	If you don't want to, you don't want to put your personal credit score.
	But business cards, like this business unlimited here, the limits are way higher because it's a business, one.
	And two, the more you pay it off, the more history you create with this company, which is Chase, the more they'll give you on the credit card.
	So...
	I had this card when I first got into business, maybe like, I want to say, four years ago.
	And this card right here, guys, I had a limit of like, what, 10K? It is not well over 50K. But again, paying it off over a period of time, every single month, they trust you with more loan-to-debt ratio anyway.
	So the point is, guys, you can get a way higher limit using business credit cards as well.
	But this card is unlimited, 1.5% cash back.
	I wish I knew about the American Express book cash before.
	But I banked with Chase, so I wanted the best card with them for cashback that I could see.
	It was this one here.
	And this one has no annual fee.
	That's why it's 1.5 cashback.
	But I'll tell you this.
	My Lyft, for example, 5% cashback.
	So whenever I use Lyft, I have this card attached to that Lyft account, and I get 5% cashback off each ride.
	So it's pretty good.
	And this is typically what will happen, guys.
	So if you get a credit card like this, right, that's like what I call like a multi-use kind of card, right?
	It's not a straight cashback card.
	Where you get 1.5 cash back.
	A lot of times they'll have other benefits, right?
	In this case, you're getting 5% cash back on Lyft.
	Also, open it back up.
	I think there's no fee.
	Yeah, employee cards earn rewards faster than employee cards at no additional cost.
	So other cards will charge you sometimes to give employee cards.
	Remember how we talked about giving people employee cards and authorized users?
	They won't charge you for that, right?
	And then it says flexible redemption options, redeem rewards for cash back, gift cards, travel, and more through Chase Ultimate Rewards.
	Your cash back rewards don't expire as long as your account is open.
	So there's no limit on the points.
	You could just have them there forever.
	And then I guarantee you guys here, this 5% cash back through Lyft, that's probably going to change.
	A lot of times what these credit card companies will do is they'll rotate certain benefits, right?
	So like maybe one month it'll be Lyft, another month it'll be maybe Uber, another month it'll be maybe a department store.
	So, that's why we always show you guys the website as of when we do this.
	And that's why we have to constantly be doing updates on these credit card episodes because credit card benefits changes every year.
	Because the credit card market is extremely competitive, guys.
	And they want to get your business at the end of the day.
	And that's why I tell you all the time, like, they want to get your business, right?
	And they want people that are, you know...
	Trusted consumers and they want them to use their credit cards because they get paid.
	Every time you use a credit card, by the way, there's merchant fees that the credit card company is getting, right?
	And then on top of that, they're hoping that you're going to not pay the full amount and you're going to give them interest.
	So they want to give you the credit card, let you spend on it, they collect the merchant fees, they collect interest, etc.
	But if you're smart, what do you do?
	You end up using a credit card.
	You pay the bill off in full.
	You don't give them any interest.
	And then you're able to get the free points and the rewards and travel the world and buy free shit off your points for absolutely free and for money that you were going to spend anyway.
	That's why I'm so big on telling you guys.
	I know I got to drill it into your heads.
	But yo...
	Don't use a debit card.
	When I was doing my fitness thing, right?
	And I had a couple spots for you guys, and I got on calls with some of you guys.
	Some of y'all didn't have credit cards.
	Y'all were like, oh yeah, here's my debit card number.
	And I'm like, what the fuck are you doing?
	Give me a debit card number.
	What's wrong with you?
	You should be using a credit card to do this.
	Like, get some goddamn benefit on this expenditure, man.
	Like, guys, every single one y'all watching right now, you should have at least...
	One to two credit cards.
	And that credit card better be giving you some kind of fucking benefit.
	And if it's not giving you a benefit, it better be a fucking startup, you know, a startup credit card or a beginner credit card, maybe a secured credit card to get your credit score up to a point where you can finally apply for and get a good credit card.
	Whether it's a travel card, a cashback card, whatever it is, get your fucking credit score up.
	Get credit cards, guys.
	Get two to three of them and use them, dude.
	Okay?
	Don't go into debt, obviously.
	Pay it off in full.
	But you should never be using a debit card or cash, man.
	That's broke you shit, man.
	Well said.
	Yeah, I mean, I gotta repeat it a million times for them, but it's like, bro, that's...
	And look, the more you know, the better.
	I want y'all to get benefits, man.
	Like, we don't benefit at all by telling you guys this shit.
	Like, we just want y'all to have your credit score up so that you guys can be in a position where if you want to buy a house, you want to buy a car, you want to get a personal loan to deal with something, etc.
	You want to have good credit, man.
	Yo...
	In America, in the United States in general, debt is very important.
	We live in a debt society.
	And being able to have good credit, which means you are a trusted consumer, is extremely important.
	I would rather have an 800 credit score and $200,000 than have a million dollars and a 400 credit score.
	That's how important having credit is, guys.
	There's a slogan that says, American runs on Dunkin'.
	No.
	American runs on credit.
	Literally.
	Because literally, guys, your whole life, if you're not going to be, I want to say, in the system, you're going to need credit at least sometime or another.
	So, guys, understand credit is very important to your success.
	Even as a business owner, you're going to need credit.
	All right.
	Third card.
	We have here...
	All the richest people.
	None of them ever use cash or debit cards, bro.
	They all use credit cards.
	And if they did at one point, they're smart enough and say, you know what?
	It's a waste.
	Let me get credit.
	Even Dave Ramsey, guaranteed he's using credit cards.
	He tells you all the time, hey, don't get a debt, blah, blah, blah.
	Bro, he's using credit cards.
	Trust me.
	But for the average person, though, I see why he says that.
	Because they don't pay back on time, and then they get into more debt, and they get issues, and then, yeah.
	They're idiots.
	But if you're watching this podcast, you're a higher IQ individual.
	If you're watching our shit already and you can see through the bullshit and the clips and people trying to make us look like crazy, massages, whatever, and you're here watching us, I already know for a fact that you don't go with the social narrative.
	You go against the grain and you're probably higher IQ than most people.
	So look, since you're a higher IQ than most people, we need to do higher IQ moves.
	We need to leverage credit to our advantage, guys.
	And the biggest reason why I want you guys to have good credit is at some point I want all you motherfuckers to own a real estate property.
	We don't want you to have a real estate property.
	When you have a real estate property, guys, that is an asset that will pay you back not only in rent and appreciation, but guess what?
	If the fucking storm hits and you guys are broke and you ain't got no money, blah, blah, blah, guess what you could do?
	You could do a fucking cash out refinance, you could do a home equity line of credit, and you can borrow against your fucking house.
	And guess what?
	It's tax-free because it's a fucking loan.
	They can't charge you tax on a fucking loan.
	This is what the wealthy do.
	This is what Robert Kiyosaki does.
	This is what Grant Cardone does.
	This is what fucking Ken McElroy does.
	All these billionaire fucking real estate investors, guys, they don't pay taxes.
	You want to know why?
	Because they borrow against their assets.
	When you borrow against your assets, you don't have to pay taxes on shit.
	Their earned income is down, but they're borrowing against assets that they purchased, and they're getting millions upon millions of dollars off of their fucking assets, and they don't gotta worry about shit, and they're paying the tax man less than you pay.
	You make 50k per year, some of y'all right now, watching this fucking show, making 50, 60, 70, 80k per year, you guys are paying more taxes than Grant Cardone.
	Some of you guys right now that make 100K per year, 120K per year, etc.
	I pay less taxes than you motherfuckers.
	And that should not be what it is.
	But it's because we don't teach people financial literacy.
	We don't tell them to buy assets.
	We don't tell them to go ahead and get their credit score up so they can be in a position where they can get an asset at a good interest rate for a long-term period.
	We don't teach you guys this shit because they want you to stay broke.
	They want you to stay poor.
	They want you to stay in consumer debt like a fucking moron.
	That's what they want.
	They don't teach you guys this shit.
	All right?
	You know what happens, man?
	You're 18.
	You get a credit card.
	Credit card.
	You're going to school.
	You're actually, like, buying stuff, furniture, maybe for your new dorm room.
	You're getting stuff for, like, school.
	You're building a lot of credit score.
	But you're also spending money as well.
	You don't pay it off.
	You buy some clothes.
	You go out with some friends.
	Maybe pop a bottle or two.
	You never paid it back.
	Then you're 30 years old.
	You don't want to buy a property.
	You're working a job now.
	But you go to the banker and he says, hey, listen, man.
	I got a property.
	I got family here.
	You know, wife and some kids.
	And, you know, I think it's time.
	Runs your credit.
	Looks at your, you know, scores.
	All three bureaus.
	He says to you, sir, we can't give you a house.
	Hold on.
	You know, I pay my taxes.
	I'm a good guy.
	What's going on here?
	Looks like you have some, I want to say, unpaid dues.
	What is that?
	Remember when you were 18 years old, you had a credit card, never paid it off.
	So now it's a delinquent, and you have bad debt.
	You never paid off.
	So as a result, it's going to affect your actual process of buying maybe a car or a house.
	But that's the average American on some level because these people don't understand how credit cards actually work.
	And if you don't pay it off, it can come out to haunt you in the future.
	So guys, credit is very important, man, no matter what you do.
	Yeah, man.
	It'll literally hold you back.
	Yeah, it will.
	Alright, what's the next card?
	Alright, so we talked about the Business Inc.
	Alright, quick.
	Oh, okay.
	So this is the legendary plum that we talked to you guys about when we had KT in here, guys.
	KT talked very highly about this card, and I can see why.
	We had to add it to the list, man.
	We had to.
	Yeah, yeah.
	This actually is one card we never mentioned before because obviously we were already...
	I had known about this card, but...
	Yeah, but we didn't really put any money into it.
	But after hearing the benefits...
	Do you want to hear yourself, buddy?
	What?
	I was actually...
	The last business one that we were going to do, I was going to put this card on the list, but I was like, nah, niggas are going to get lazy because it's 60 days.
	60 days.
	I was like, nah, it's going to teach them bad habits.
	They're like, oh, I'm just not going to pay it off.
	I got 60 days.
	But...
	But hold on.
	For business itself, I understand why you may want this card.
	Because at least 60 days is more time for you to pay it off.
	Because, let's be honest here, some businesses are a little slower than others, and let's say for the first month, you don't have all the money you need to make, then you can't pay your card off right away.
	But with the plum, you have what?
	60 days to pay it off.
	For that statement.
	So, listen guys, if you have a business, right, where cash flows aren't as good as you want it to be, maybe it's e-commerce, you have to wait for money to come in.
	Or you might have some type of weird net 30, net 60, where you don't get paid until the month after the fact for a month that already closed.
	Exactly.
	This could be a card for you as well with your business.
	So it's a little bit under the gold and platinum, but it's still a very good card.
	And I just see the benefits here.
	Let's see.
	You have 1.5% early payback discount, which is good because, let's say, for example, you pay back in a month, even better.
	Can we enlarge that real quick?
	60 days to pay.
	Okay.
	With the plump card, get unlimited 1.5 cashback on eligible purchases when you pay within 10 days of your statement.
	Closing date, just pay your minimum payment due by your payment due date and see the discount applied to your next statement.
	That's pretty good.
	That's not bad.
	And then flexibility, peace of mind, extra days to pay.
	Take up to 60 days to pay without interest when you pay the minimum due by the payment due date.
	Which isn't a bad gig, man, because I'll tell you guys this.
	The other cards, like the Amex Gold, Amex Platinum, etc., they're all charge cards.
	And after 30 days, they're going to hit you with interest.
	So this might be a good one.
	And then travel benefits, no foreign transaction fees.
	That's pretty good.
	Because some Amex cards give you foreign transaction fees.
	And you guys are probably wondering, what the fuck is that?
	So let's say you use your credit card in another country.
	You'll get hit with those foreign transaction fees and they can add up very quickly, guys.
	Most credit cards don't have foreign transaction fees.
	That's why I always suggest that you have at least one travel credit card in your repertoire, guys, because you can avoid foreign transaction fees like this.
	What else do we got here?
	And then return protection, which a lot of credit cards have this, but yeah, like if you end up where, you know, consumer protection when you purchase things.
	Let's say you buy an item, never receive it, then you can just call AMX and they'll get it back for you.
	That's another reason too why you always want to use credit cards, man.
	Yep.
	Protection.
	Yeah, bro.
	But yeah.
	And there's a $250 annual fee, which, you know, not bad, not the worst.
	I've seen way worse annual fees, like the AMX Platinum got like a, what is it, $700 or $800?
	$695.
	$700 now.
	And it's going up, by the way.
	Goddamn.
	Holy!
	Yeah, bro.
	Platinum A for everybody, bro.
	Top tier.
	Yeah, so you get a lot of benefits.
	But benefits still kind of do overcome that price.
	They do.
	If you utilize everything, it actually does overcome it.
	But yeah, I mean, it is a little...
	700 annual fee is wild.
	That's why I tell you guys, the Platinum and the Gold and shit like that, these are cards that...
	Once you're really profitable and you're doing well, that's when you want to get those kinds of business cards.
	But in general, man, for the average person, maybe you don't need to be flexing like that.
	I believe, can you upgrade to a different Amex card once you have it?
	Like, let's say you have a plum.
	You can upgrade and you can downgrade.
	That's good.
	You can call Amex and you can upgrade and you can downgrade.
	So that's one of the good things with them as well.
	So you can start here and then work your way up.
	You can work your way up, yeah.
	Depending on how profitable you are.
	And then also, just so you know, the annual fee, you can write that off.
	Or, you know what I did?
	So I saw that annual fee hit me.
	It actually hit me, I think, at the end of the year, I think December.
	I just used the points that I already had to just pay it off.
	So you can use points that you accumulate, right, from using the card and just use those points towards that annual fee and then it's done.
	Speaking of points, business credit cards, we're traveling on Thursday to Las Vegas.
	And as you guys know, it is what?
	Super Bowl weekend.
	Holy!
	Yeah, the prices are terrible.
	Prices are skyrocket.
	Listen, I love Roti Exotics in Vegas, my boy's rental company.
	I want to rent a Lamborghini Urus.
	That ain't taxing me, bro, because it's Super Bowl.
	I get it.
	So not only cars are expensive, but hotels, dinner, everything's going to be way up.
	So we said, you know what?
	How do we avert this cost and save money?
	As, you know, smart people that do business, you know, and as well, we want to save money.
	So we say, you know what?
	Perfect.
	What do we use every single day?
	Business credit cards.
	But what do we get when we use the cards?
	We get points.
	So we just deduct that point from the actual price of the hotel and we pay almost nothing.
	So I think, guys, on some level, if you're smart, you can pay for travel as you go whenever you use your card.
	But at the same time, if you want to save money, you can do as well.
	So I think either way, getting points is good for you as well.
	And travel always works because who wants to spend money when you travel?
	I mean, I don't.
	So it's pretty good.
	Yeah.
	Oh, and by the way, we're staying at a nice hotel, by the way.
	Yeah, not bad.
	Yeah, and all paid for with the points, man.
	Yeah, W. Yo, shout out to the two trolls in the fucking Rumble chat.
	What?
	He's asking why are we going to fucking Vegas when we don't watch sports.
	There's a slap, there's a power slap event we're going with Rumble.
	So...
	Yeah.
	They just be hating, bro.
	Yo, I'll never understand, like, haters.
	No, don't ban them, guys.
	Don't remove them.
	Don't remove them.
	Let them fucking stay in here and talk shit.
	See, you're better than me, bro, because I'm not going to respond.
	I'm just like, okay, cool.
	No, no, let them sit there and talk their shit, man.
	Don't ban them, mods.
	Don't ban them.
	Let them fucking sit there and troll their weirdos.
	Okay.
	I'll unban them.
	No, yeah, don't ban them, bro.
	I'm unbanning them.
	You're unbanning them?
	Yeah.
	Yeah, I think it's like the Weed 420 dude and some EG or some shit like that.
	Don't ban them.
	Let them say what they want.
	Who's up next?
	All right, who's next?
	Capital One.
	Oh, okay.
	This is the next one.
	This is actually a very good card, man.
	This is not an easy card to get, though.
	This is a hard card to get, guys.
	The Spark Capital One.
	Spark Cash Plus.
	This is a really good business credit card.
	It's a green card, but it's almost like a black card.
	Bills, this is actually a card your mom uses, right?
	Yeah, absolutely.
	You mind giving us some detail about this card?
	Some backstory?
	Yeah, my mom loves this card.
	It pretty much, she has no limit on it.
	She could just like, she could pretty much, I mean, it's a charge card.
	She has to pay it all back the same month, of course.
	But it's pretty much, it's a heavy metal card.
	It's metal.
	I use this a couple times.
	It's nice.
	She loves it.
	She loves it more than her Amex Gold.
	She uses it more than her Amex Gold, so...
	Capital spark.
	Yep.
	Alright.
	And then some more stuff here on the card.
	So, earn cash back on primary employee cards.
	Rewards don't expire.
	No foreign transaction fees.
	Cons.
	Buy a month must be paid in full every month.
	Has an annual fee, which is $150, which is too bad.
	But high spending requirement to hit a full welcome bonus and a bonus offers.
	And that's going to be a lot of business credit cards, guys.
	They're going to have, like, a lot of times they'll give you a sign-up bonus, like they'll give you, we'll give you $1,000, $500, $1,000 back, but y'all got to spend $10K in the first three months of opening the account.
	Well, look, man, if you got a business, it's really not that hard to spend $10,000 in three months, guys.
	But you know what's crazy?
	It really isn't.
	You want to meet somebody, want to get a new business credit card.
	Because they want to spend money.
	So listen bro, we're friends, right bro?
	Hey man, you need points for that limit.
	You need points, you need to spend money to get those points.
	So why not, why don't you just like buy this, you know, this bottle for me.
	Just buy this, you know, food for me.
	You know what?
	Bro, you got a new card?
	Spend money.
	Because they need to spend money anyway, so.
	And not only that, the other thing too, guys, a lot of these credit cards, they'll give you like, you know, 0% interest the first 12 or 18 months, right?
	So you got to spend that money, right?
	You spend that money in the first three months or whatever, but you have like a year to pay it off, a year and a half without any interest.
	Not bad gig, man.
	Not bad.
	I had to spend 15K on my card.
	Bro, I was so nice to people.
	Listen, bro, dinner is on me.
	Movie's on me.
	Model on me.
	Let me spend the money real quick.
	Cash out me real quick.
	But hey, man, for the points, bro.
	Yeah, you get the points.
	Yeah, pretty good.
	Alright, what else do we got here?
	But yeah, this is a good card, man.
	The annual fee is $150.
	Sign-up bonus for a limited time.
	Earn $3,000 cash bonus.
	Oh, wow, that's quite a bit.
	$1,500 once you spend $20,000 the first three months.
	Yeah, see?
	God damn!
	And an additional $1,500 once you spend $100,000 the first six months.
	Now, here's the thing, though, bro.
	If you got a brick-and-mortar business, Where you got like a storefront or some shit like that, that's not that much.
	It's not.
	Supplies, equipment.
	Payroll, shit like that.
	You can easily spend that.
	Maybe even rent.
	Yeah.
	Oh, yeah, yeah, yeah.
	Rent for your business?
	Yeah.
	Yeah, bro.
	Yeah, like that.
	You could spend that...
	Spending $20,000 in three months is totally possible if you're a business owner, especially if you've got a brick and mortar business, guys.
	So ongoing rewards earn 2% cash back on every purchase, every reward, no limits or category restrictions.
	That's really good.
	So you can really let that 2% fly up.
	Because you guys saw the other cash back ones that we had, like the Amex Blue Cash, it's up to $50,000 per the calendar year.
	So you can only earn up to $50,000 Which sucks.
	Yeah, it sucks.
	But that's fine.
	But this one is unlimited.
	And then earn 5% cash back on hotels and rental cars booked through the Capital One Travel.
	That's pretty fucking nice.
	5% cash back on hotels and rental cars?
	Hey, man.
	Traveling, get a car.
	That's a good one.
	Use your card.
	That's fucking lit.
	Like, yeah, it does have high spend, but this card is going to be really fantastic for you guys if you have a brick-and-mortar business, bro.
	Because $20k in three months is totally possible, and then $100k in six months is totally possible.
	Because remember, payroll, equipment, cars, rent, any of this shit you can use for your business credit card.
	Just because it's running the business, man.
	So that's 100% possible.
	And then you get $3,000 cash bonus, and you're getting 2% cash back on that?
	This is a really fucking good card, guys.
	And the good part is, you're spending the money anyway.
	You're spending it anyway.
	So, might as well make some money off of it, too.
	Yeah.
	And it's better.
	And they get your annual fee refunded every year.
	You spend at least $150K. Bam!
	So, if you spend $150K per year, there is no annual fee on this thing.
	Which is totally possible as a business owner, guys.
	Rewards won't expire for the life of the account.
	No preset spending limit.
	Benefits may change over time.
	So, guys, this is a charge card as well.
	No limit.
	You want to spend fucking $100,000 and purchase something right then and there?
	Boom.
	You can make it happen.
	Hey, some of you want a black card.
	Well, guess what?
	You might not get it.
	You might get a green card, though.
	So, there you go.
	There you go.
	You can use this instead, man.
	There you go.
	So, yeah, that's actually...
	It's a really good business credit card, but I'm going to warn you guys, it's hard to get.
	That credit card is very hard to get.
	So, make sure you have all your shit in line before you apply.
	Okay.
	Last one here?
	Yeah.
	Last one.
	Y'all know what this one is?
	Hey, we know what it is.
	I am Mrs.
	Blattem Cards!
	We got both.
	Gold and platinum.
	Amex need to cut us a check, man.
	This is some bullshit, bro.
	We keep promoting you fucking losers.
	We got gold and platinum, nigga.
	By the way, my hotel, my flight to Europe, everything, bro.
	Shout out to Amex, man, for the points.
	Yeah, shout out to y'all, man.
	Yeah, they definitely fresh booked everything for us with Amex.
	So, great card, guys.
	But I'll keep it a thousand with y'all, man.
	This is a...
	Make sure that you're profitable when you have a card like this.
	Like I said, it's a $700 annual fee.
	If you don't travel a lot, etc., you might not use it to its biggest capacity because this is a travel card.
	The Amex Platinum is a travel card.
	I'll tell you what.
	Predominantly.
	With the intro bonus for this card, if you actually...
	Make the points within the three month period of using this card.
	It'll pay for the annual fee actually.
	That could be your bonus too as well.
	Pay for yourself.
	And all the benefits too as well.
	The benefits of the card.
	Travel, points, gift card, everything.
	It just maximizes your actual choice of the card.
	Mind you, Uber eats...
	Uber itself.
	Let's pull it up real quick.
	Whenever you use a card, you get actual cash back and points to it as well.
	Let's see here.
	So you get 5x on flights and prepaid hotels, 1.5 points on eligible purchases, 1 points on other eligible purchases.
	You get a $400 statement credit.
	Scroll down real quick.
	Okay, Shop Dell.
	Okay, so they still got to deal with Dell.
	With Dell.
	So if you want to buy computers with Dell for your business, you can.
	You got to deal with Indeed.
	Build your team up with Indeed.
	Adobe Creative Solutions.
	Okay, I think that's new.
	$150 credit towards that.
	Wireless credit.
	Get up to $120 per year back for a purchase on U.S. wireless telephone service providers.
	So, you know, you want to go ahead and get a phone line.
	They'll cover that.
	The Global Launch Collection.
	So...
	Guys, a lot of big airports will have the Centurion lounges, right?
	They'll have free food in there.
	It's way more comfortable.
	They got showers and shit like that.
	So if you travel a lot and you get these long-ass layovers, etc., you can go ahead and chill in these lounges.
	I was headed to Jamaica, and I was there super early.
	I was hungry.
	Went to the lounge and got free food.
	Got a nice place to sit, chill out until my flight was ready, and I'm Wi-Fi, all that, versus like sitting with all the bro keys in a regular area.
	Yep.
	This is pretty helpful.
	Clear, that's good.
	You get $109, $80 towards Clear, man, so you can go ahead and cut the lines.
	Oh, shoot.
	I need to renew my Clear.
	Yeah, there you go.
	Bam.
	Yeah, Clear.
	Your card will take care of that.
	Clear is real good, man.
	I got a lifetime membership.
	Yeah, clear is lit.
	No, no, but they did an update.
	You have to go inside to the clear department to get your ID checked and get a facial recognition to update for the new rules.
	For the audience, because they're probably wondering what the fuck is clear.
	So when you're at the airport, guys, clear, what it does is it basically scans your face, especially your, I think it's your, they do it mostly off your eyes.
	It scans your face and then what ends up happening is you pretty much cut the line and you can go right to TSA. Yeah.
	So yeah, Bills used to work for Clear, actually.
	Wait, what's the opposite to that?
	TSA pre-check.
	TSA pre-check.
	You could get TSA pre-check, too.
	Either or works.
	Yeah, either or.
	You could get both if you want, too.
	Because some airports might not be as compatible with Clear.
	But I see it at every major airport.
	We've been to them.
	We see Clear.
	I go straight there.
	We get the line, I go straight there.
	We be cutting, man.
	Fuck y'all brokies.
	We need to go.
	On Thursday.
	Yeah, so we use clear all the time, bro, because we be getting there late, I go live, but we be cutting the live real quick.
	Whose fault is it, getting there late?
	I know, you ain't talking.
	Yo, let's look at the vlogs.
	It's his fault.
	No, it's not my fault.
	Bro, Myron, Byron, the fuck's at 10 o'clock.
	All right, bro, it's 9.30, let's go.
	9.30, nigga?
	You better be late.
	I'll tell you this, man.
	I used to be on the job.
	When I used to work for the job, bro, we used to go around, man.
	Waiting in lines is like new to me, man.
	Yo.
	When I used to be on the job, bro, you go around the back and you go in through where the pilots and shit go and you just cut the line, bro.
	See, my mom taught me, bro.
	No TSA, man.
	Show up two hours early because you never know what could happen.
	Yeah.
	But we got clear.
	Accident.
	So we good.
	Flat tire, you never know.
	What's the other shit?
	Global entry.
	And I think they give you global entry.
	So, yo, you could do both with the Amex thing.
	Yeah, they give it all.
	They give you it all, bro.
	So, you know, you get $200 airline credit fee.
	We use the fine hotels and resort program as well.
	So, you know, you got the Marriott.
	So, guys, there's a lot of benefits, obviously.
	That's why it comes with the hefty $700 fucking thing.
	Platinum card?
	It is a pretty nice card.
	Yo, you're on a date, bro.
	Right?
	You're on a bro-key, bro.
	You worked your ass off to become successful.
	You know, you got your own business.
	Yo, the tab comes for dinner.
	You're like...
	Pull my card out.
	Make sure she sees it.
	Hold on, hold on.
	Make sure you're like...
	Which one should I use?
	Gold or the platinum?
	Ooh.
	Platinum, bitch.
	I'm paying for it.
	That's it.
	But hold on.
	It gets better.
	Don't look at the actual receipt.
	Just put it down.
	Oh, just put the card down and look away.
	Take it.
	Shit, man.
	Don't look at it.
	There you go.
	That's it, man.
	It works every time.
	W-game.
	W-game.
	Alright.
	Okay.
	But yeah, it's a good card, man.
	And then, honorable mention, I think the Amex Gold is also good.
	If you don't want to deal with this high of an annual fee, the Amex Gold gives you a lot of similar benefits.
	But more catered towards food and dining.
	Yeah.
	Yeah, it's not as lit as the Amex Platinum, but it's a cheaper annual fee.
	It still looks good.
	You can make the argument that the Amex Gold actually looks better than the Platinum.
	I would say it looks better.
	It looks better.
	And it comes in Rolls Gold?
	The Rolls Gold one hard.
	I'm not going to lie.
	I fuck with that one.
	Rolls Gold Platinum?
	Bro, holy.
	Guys, that is the top five business credit cards for this year we recommend.
	And honestly speaking, guys, any of them is good, but having multiple is good as well.
	What you guys should do, you should have a card for every purpose.
	For travel?
	You should have one travel card.
	Cashback.
	One cashback.
	And then- One business credit card.
	Business credit card.
	And then from there, once you have that, that's what I call like the starter pack.
	You have those three, right?
	Then from there, that's when you can get into like- Charmander, Bulbasaur, Squirtle.
	What?
	What?
	Starter pack, bro.
	Yeah, starter pack.
	Hey, man.
	Come on, bro.
	But, yeah, from there, that's when you can go ahead and get into, like, the more, you know, specific cards, right?
	Like, there's some people that have, like, a Walmart credit card because they shop at Walmart all the time.
	There's some people that have a Marriott card because they always stay in Marriott.
	Delta.
	Delta or some shit like that.
	Yeah.
	But before you get a specific credit card that's used for a specific company, make sure that you have your basics done.
	Have one good cashback credit card, have one good travel credit card, have one good business credit card if you're a business owner, and then from there, you can build your credit card collection from there.
	But yo, you guys should at least have those three, man.
	And if you don't, bro, you guys got to work towards it.
	And then at bare minimum, let's say you don't travel.
	Cool.
	Let's say you don't have a business.
	Cool.
	At least have a cashback credit card, bro.
	At least have that.
	Because why?
	You're spending the money anyway.
	Yeah.
	Like every single one of y'all watching this podcast right now needs to have a cashback credit card at bare fucking minimum.
	That's getting you back 1.5 to 2% cashback.
	We've done a whole episode on cashback credit cards.
	I think the one that we always recommend is the City Double Cashback.
	Yeah.
	Which we don't even have, by the way.
	It's just a good cashback credit card, right?
	It's like, we're giving you guys thoughts that we don't even, we might not even have the card, but we still are able to be card agnostic and tell you guys, yo, this is the best cashback credit card, right?
	Just like, for general purposes.
	The CD double cashback, it's like green and blue if I'm not mistaken.
	We'll pull it up on screen for these ninjas real fast.
	How many cards do you have in total?
	Me?
	I have like five or six.
	I have four credit cards.
	Yeah.
	You said it's the city.
	A city double cashback, if I'm not mistaken.
	Like, oh, y'all should at least have that, bro.
	At least.
	At least.
	If you don't want to use...
	Yeah, yeah, yeah.
	Yeah, that's it right there.
	Boom.
	You get 2% cashback.
	1% when you pay, 1% when you spend.
	So 2% flat.
	This is basically one of the best cashback cards, man.
	I know some of y'all in the chat are saying Apple credit card.
	Here's the thing with Apple card.
	I don't suggest you do the Apple card unless you like to use Apple Pay a lot or you buy a lot of Apple products.
	I'm going to keep it a thousand with you.
	I got the Apple credit card.
	Because the physical card itself, I ain't going to lie, it's nice.
	It's white and metal.
	It's a nice flex card.
	However, you have to request it.
	If you want it.
	They don't give it to you.
	If you get approved for the Apple Card, they don't give you the physical card unless you ask for it.
	And then if you use the card, it defeats the purpose because if I'm not mistaken, you only get like 1.5% to 2% cash back, but if you use Apple Pay, you get 3% cash back.
	So...
	For you to get the full benefits of the Apple Card, you need to use Apple Pay.
	And I think you get 5% cash back if you purchase Apple products.
	So unless you use Apple products all the time or you use Apple Pay all the time, it might not be worth it for you to get an Apple Card, guys.
	Just keep it in a thousand with y'all, even though I have one.
	But I genuinely think the best all-around cash back credit card, even though we don't have it, is the City Cash Back.
	The reason why I don't have it is because it doesn't make sense.
	I already have like two or three cash back credit cards.
	It doesn't make sense for me to get one.
	But for you guys, that's a fantastic cash back card.
	Alright.
	Boom.
	Damn, that's it.
	We gave you a lot of sauce, man.
	Good sauce.
	And then, okay, what is...
	We got chats?
	Oh yeah, we got some chats right here.
	Okay, we got here.
	Jaleel goes, hey FNF, I know this is super late for me to do, and I don't blame at all if you don't give me shit for this, but I'm about to get my first credit card at 23 soon.
	What is the best way to start off as someone who has no credit and no...
	Debt, I always bought in cash.
	Yeah, that's brokey shit right there, which I'm glad.
	And it's not too late, bro.
	At 23, good job.
	There's a hack you can do where you can actually become a cardholder of a family member, for example, father, mother, uncle, auntie.
	And on their credit card, you can actually get points way faster because you're going to see history of your family member.
	But if you're an authorized user, you get those same benefits as well.
	But of course, don't run up the card.
	Don't waste money.
	I respect that they did that for you.
	And I think within three or five bumps, you're going to see a bump in your credit score instantly.
	Now, if you don't have someone that's willing to put you as an authorized user, the other option you could do is get one of these secured credit cards.
	Yes.
	And a secured credit card, watch our episode that we did with like how to get in credit cards with no to low credit.
	A secured credit card, basically, you put money up front, you get that credit card so it's backed by the money that you put in, and then once you have that card for a few months, you can go ahead and upgrade it to an unsecured credit card.
	And then that's how you kind of get your foot in the door and get your way up.
	But that's good, bro, at 23 that you're thinking about this, but yeah, bro, paying in cash and debit card is brokey shit.
	No one that's watched this podcast should ever be doing that shit.
	I'll tell you this.
	I know some people, 30-plus years old, no credit cards.
	Idiots.
	So you're way ahead of the game, bro.
	Stupid fucks.
	30-plus years old with no credit cards.
	Stupid.
	Amen.
	Stupid, stupid, stupid.
	There you go.
	Can't do it times.
	When will you guys have a show in front of a live audience again?
	I can see in like two or three years y'all could have a tour show in arenas or venues all over having crowd shows answering their questions.
	I'm going to make sure I make it to the next one.
	We have actually someone in the back who wants to help us with this as well.
	My boy here.
	So we'll talk about this bro behind the scenes but yeah I think we're going to move on to that next.
	Yeah, we'll do...
	Detox in the building.
	It's just that coordinating a man is very...
	It's a lot of work, bro.
	Yeah, bro.
	What's up, guys?
	What?
	We love it, man.
	I mean, too much.
	Yeah.
	What's up, guys?
	Thanks for all the value you provide, despite the haters say, the day the haters get a W, the world will end.
	P.S., can we get an after-hours show in Japan with MLD so we can see the contrast between the East and West?
	Yeah, Japan is definitely on the list for us to go out there.
	Yeah.
	Mars Glock, yo, I appreciate you guys so much for giving us free sauce.
	I recommend you guys put referral links in the description for these cards so you can get a kickback.
	Nah, man.
	Fuck that shit.
	We don't give a fuck about making money, bro.
	When it comes to that shit, we just want y'all to have the sauce.
	We're genuinely not getting paid by these companies.
	We're not using no affiliate links, none of that shit.
	I know a lot of credit card YouTubers typically put kickback links, so if people sign up, they get a kickback, but nah, man.
	We're keeping it organic for you guys, so we don't get paid for this shit.
	We just want to give y'all the best sauce.
	TimoTV goes, I have one question.
	I'm 23.
	I have saved a good amount of money, about $20,000, and I have 734 credit score.
	Good job.
	Question, is it a good time to get a house as right now, even though interest is at 7% or should I wait?
	Bro, look, man, for all you fucking house masturbators that watch this podcast.
	Always buy real estate.
	Don't sit there and say, yo, the market's gonna crash or is it a good time to buy?
	No.
	Fucking buy.
	Okay?
	And the reason why I say buy is because if you got a good deal in front of you, buy the fucking deal.
	Okay?
	Guys, we have a shortage of houses in the United States.
	Alright?
	Especially the single family home.
	There's a housing shortage.
	There's no way that the real estate market is going to crash when we have a housing shortage.
	Impossible.
	Okay?
	So for all the doom and gloomers that say the housing market is going to crash, that's not happening.
	Number two, BlackRock is buying houses like fucking crazy.
	They're buying single family homes.
	That should tell you something.
	And then number three...
	Who cares if the interest rates are high right now?
	The interest rates are going to come down this election year more than likely because every single fucking president always campaigns on the fact that I'm bringing interest rates down.
	So guess what?
	Let's say you buy the house, you know, at a 7% interest rate right now, but then it goes down to 4 to 5.
	Guess what you could do?
	Do a fucking refinance.
	Ta-da!
	Done!
	Okay?
	But don't sit there and be like, the interest rates are too high, so I don't know if I'm going to buy.
	That's the most low IQ, retarded shit that you can do.
	Because the goal is to control the asset.
	Who gives a fuck if the interest rate is high right now?
	It's going to come down, and when it comes down, you just refinance.
	Listen.
	Done!
	A good deal is a good deal.
	Holy fuck!
	No matter when it is.
	A good deal, right numbers, it doesn't matter if it's high interest rate, low interest rate, it's a good deal.
	You just refi, bro!
	Just refi.
	And you're gonna be fine.
	Refi.
	There you go.
	You know?
	Bro, there's lenders out there that will let you do a fucking refi a month after closing.
	Yep.
	So what's the excuse?
	I'm scared, bro!
	I'm scared!
	Oh my god!
	Yeah, man.
	Do not listen to these fucking idiots that sit there and tell you that the real estate market is gonna crash or blah blah blah.
	Tell you this, man.
	What the fuck is BlackRock doing?
	They're buying houses left and right, man.
	They didn't stop.
	They didn't stop at all!
	For nobody.
	Yeah, man.
	Don't let these fucking guys scare you, bro.
	The interest rates are too high, man.
	That's what I want you to think, bro.
	So they could buy houses before you.
	You know how many fucking real estate, I call them real estate masturbators.
	They'll sit there and be like, oh yeah, I'm going to buy my real estate.
	I'm going to buy my first property.
	I'm just waiting until the interest rates come down.
	Interest rates down 3%.
	Oh yeah, they're gonna go down again.
	I'm gonna get at 2%.
	Niggas never buy, bro.
	They never take action and they wonder why they're fucking broke because they don't got no assets.
	Bro, just buy the fucking deal.
	If the numbers work, buy the fucking deal.
	Because guess what?
	When the interest rate comes down, it's only gonna get better for you.
	You just cash out refi, which you don't pay fucking taxes on that, by the way, and you're good.
	You got that better interest rate now.
	Goddamn.
	Casual Germ says, been following you all since June 2021.
	Happy to say everyone sees a difference in my movements and behavior.
	I've increased my credit score by over 100 points during January of 23 to 24.
	Keep preaching the good word, gents.
	Shout out to you, bro.
	Good job on that.
	Scripto Boogie says, Myron, I'm good friends with Miguel, TCC. I'm in real estate and I buy acreage and I subdivide it into half acre lots.
	I'm having a hard time.
	What's that here?
	I'm having a hard time marketing them on Facebook ads.
	Which marketing tools do you use to sell some of your properties?
	Well, you don't sell.
	He's selling land?
	Yeah, he's selling land.
	Bro, it's always going to be harder to sell land, bro.
	Personally, people ask me all the time, why don't you buy land?
	That's exactly why I don't buy land.
	Because it's hard to get rid of.
	Because you don't get tax benefits from land, guys, like that.
	Remember, when you do depreciation and cost segregation, you're doing it against the house, not the fucking property.
	Sorry, not the actual land.
	So, as a matter of fact, that's why when you do depreciation, you're not able to...
	Do it fully is because they account for the, when you do cost seg, I think it's like 80% or something like that, it's because they're accounting for the land.
	So land doesn't give you the same, I mean you could get tax write-offs I'm sure, but you're not going to get the same, you're not going to be able to aggressively deduct at the same level as when you have actual structure on it.
	So, yeah, bro, this is why I purposely don't buy land unless it's in an area that's booming and you know that there's going to be a future.
	You're buying land in fucking Miami or Vegas or whatever, but at that point it's probably too expensive anyway.
	Yeah, but, yeah, man, this is why I don't buy land.
	And I don't sell either.
	My thing is, I buy it, I stick with it.
	I'm not fucking selling for shit, bro.
	I buy and hold all my properties, man, because at the end of the day, real estate is always going to go up.
	It's always going to go up.
	So, it doesn't make...
	I'm not selling shit, man.
	So...
	But that's why it's so important to do your numbers in the beginning and make sure that the cash flows and everything else like that, if the cash flows and the interest rate isn't terrible, Pick it up.
	Jeremy says, Big up to you guys for this live.
	I appreciate y'all taking out the time of your day to even do this for us.
	And for those who don't know any better, so shout out to you guys.
	And don't forget to check my Instagram, BigThingZeguan.
	I messaged Mo.
	Appreciate y'all.
	Mo, you got it?
	Yeah, no E on Mo though.
	Perfect.
	Dom says, Not sure how big of an MMA fan you guys are, but do y'all have any interest in doing a UFC stream like the wrestling one?
	I don't watch UFC, to be honest with you.
	I don't either.
	Yeah.
	Rumble Rants?
	We caught up?
	Okay.
	Jordan, why doesn't Myron play Rainbow Six Siege?
	Siege right down his alley.
	The most recent character looks a lot like him, actually.
	Okay.
	I never liked Rainbow Six.
	Myron, what are your thoughts on Mary Lynch's preferred rewards account?
	And by the way, y'all in black.
	Vegeta hairline.
	Oh, LOL, because he's joking.
	Maryland's preferred?
	If that's what I'm thinking about, are you talking about the account that you need $100,000 to put in first?
	I don't know if that's the one you're talking about.
	I think you mean preferred deposit account.
	I think you mentioned it.
	I did mention it before, but you need $100,000 to put in there.
	But you get a pretty damn good return rate on that.
	Right now, I think it's around 4% to 5%.
	Misi Dula says, hey, one of the problems for young men is lack of a transition or rite of passage.
	Is this something you think would be worthwhile to talk about rites of passage as a transition to manhood?
	I think most guys should go through sacrifice and pain to get to a certain point, for sure, but if you're coddled all the way, then you don't really- That ain't happening in 2014.
	But yeah.
	A tuning train says- They got rid of bullying and they got rid of hazing for that specific reason.
	Yeah.
	I have seven years sales and service experience.
	Currently working at Jaguar Land Rover.
	Yo, those fuckers, bro.
	I remember when I was coming up in America, I had my first job.
	They told me, no, you can't get a Range Rover with us.
	I remember them telling me no specifically.
	Who, Jaguar?
	Fuckers.
	Yeah.
	Oh, shit.
	It's fine, though.
	I got one later on.
	I love with haggling and long-term ownership.
	There's nothing I haven't seen, good or bad credit included.
	Okay.
	Yeah, bro.
	They told me no.
	Yeah.
	Your job is to find the yes, right?
	Yep.
	As my first investment property, should I buy a house with a big land?
	House is dog shit, but potential for subdivision in the future, or buy a newer home, smaller land, better rent?
	In Australia, I can't buy duplexes.
	I mean, I'll show you.
	That comes down to you, bro.
	Do you have the resources and the team to go ahead and knock the house down and build it back up?
	If you have the resources to do it, and you can do it for a good price, then do that.
	But if you don't, then it might be better for you to go ahead and pick yourself up what we call a turnkey, a house that's ready to go and made.
	So it really comes down to your skill set, your resources, your ability, how much money you have and how much time you have.
	Keep in mind, if you're gonna go ahead and purchase a property, then knock it down and fix it or whatever, are you prepared to operate in the red for a few months?
	A lot of real estate investors aren't able to do that.
	They don't want to operate in the red for a few months and fix the house up.
	So it really comes down to your certain situation.
	Third Eye Profit goes, thank you, Myron.
	I thought I could only buy the course in Bitcoin because every single time I use PayPal or Google, it would give me an error, switch browsers, try it, and got it.
	Okay, thank you again.
	Shout out to you, my friend, and welcome to joining the crypto course.
	I think you're probably going to be 126 guy in there.
	Some guys are taking action.
	Shout out to y'all ninjas.
	Guys, the crypto course is going to close tonight.
	They're closing it tonight.
	They're keeping it open for us because they know that it's a Money Monday, and we have y'all...
	Our nighttime show with you guys.
	So, get in there, man.
	Don't be a fucking brokie, man.
	Don't be like these idiots in the chat that are out here paying for shit with cash and debit cards and wondering why they fucking have a shitty credit score and they can't buy no goddamn assets.
	Kevin Wolf goes, Hey, freshman iron, what credit score?
	So I need to get approved for the N-word card.
	Oh, um...
	400 credit score will get you that.
	The black number.
	Whatever's below 500.
	Oh, the black card.
	Oh, wait.
	No, no.
	I think it's rolling.
	Okay.
	Well, yeah.
	To get an Amex platinum...
	Sorry.
	The Amex black card, you have to get invited and I think you need to spend $100,000 a month.
	Something like that.
	Yeah.
	Something crazy.
	My friend just got it.
	But he spends $50,000 a month minimum.
	Oh, shit.
	That took him two years, though.
	Yeah, you got to get invited, you have to qualify, and then, yeah, I thought it was $100,000 a month.
	They do a background check, everything?
	They do, yeah, yeah.
	It's not easy to get it.
	It's not.
	We should apply.
	We'll go.
	We'll go.
	No, they probably won't give it to us.
	Oh, those misogyns.
	I have enough.
	First time though today, I had two questions.
	One, should me as an 18-year-old student still also have a credit card?
	Yes, you should, my friend.
	I got my first credit card when I was 18.
	That's you got to build your credit as early as possible.
	Be responsible, though.
	Responsible.
	Number two, should I have an Australian credit card since I am from Australia or an international different one?
	Thanks.
	Here's the thing.
	If you're going to come study in the United States, then yeah, you probably want a credit card that works in the United States.
	However, if you're going to stay in Australia, bro, then yeah, just build your credit score in Australia and you'll be fine.
	Pretty much all the first world countries, bro, use Equifax and Experian most of the time and TransUnion, right?
	So if you got good credit in one country, whether it's an English-speaking country, what we call the Five Eyes, New Zealand, Canada, United States, Australia, and England should probably translate over, hopefully.
	What else do we got here?
	That's it?
	Caught up?
	Cool.
	All right, guys.
	This nigga said you're fresh.
	You're lying.
	Because they're not vetting applications or vetting.
	Nigga, they invite, bro.
	It's common knowledge.
	They invite.
	Like, what are you talking about?
	That's a lie that they don't invite people to the black card.
	They do.
	Yeah, they do.
	Shit, I want one and they told me they invite only.
	Yeah.
	I call them.
	What do you mean?
	Yeah, the black card.
	Nigga, what are you saying, bro?
	Bro, you can look at some of these credit card YouTubers.
	Like, they literally say, yeah, I had to get invited.
	Like, you can request it, but then they still have to give you the formal invite and let you get the card.
	Bro, it's not an easy card to get, bro.
	It's not.
	Like, I heard one story, like, somebody had a black card, and, like, the dude wanted to do, like, a proposal to his wife.
	Anyway, on, like, a boat or some shit.
	And he said that, yo, I need you to, like, deliver me some flowers or some shit on a helicopter while I'm out to see with my fiancé.
	And niggas did it.
	He did it with the black card.
	Oh.
	Damn.
	Yep.
	Yep.
	Okay.
	Yeah, Niggas uses Blackheart to send.
	But that's why.
	But anyway, guys, I think we got all the lovely ladies here, man, so we're going to go ahead and do our after-hour show here.
	Anything else?
	What was that?
	940.
	940?
	All right, cool.
	Nah, 10.
	Hey, the girls are ready, man.
	Yeah, bro, it's 915.
	Let's go, then.
	Yeah, let's go.
	Let's go.
	Let's go live.
	All right, guys, we'll go 945, man.
	We'll be back in about 30 minutes.
	Love y'all.
	Peace.
	Peace.

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