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Aug. 19, 2024 - Fresh & Fit

01:24:07

Why Millennials Are Wealthier Now Than Their Parents Were

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Time	Text
	Thank you.
	What's up guys?
	Welcome to Fresh Up Podcast, man.
	It's a Monday, Monday.
	We've got some things to talk about, educate you guys on what's going on.
	Let's get into it.
	Let's go.
	All right, and we are back.
	What's up, guys?
	Welcome to Fresh Up Podcast.
	Man, Fresh, literally, we're just talking...
	More debates.
	...about sending, again, you guys, some more religious debates.
	Fresh, apparently, I didn't know this, has, like, the contacts over on the Christian side.
	He knows them.
	Of course, brother.
	I have to, man.
	You got, like, the numbers and stuff?
	Yeah, Instagram.
	Remember, before my main page, I had all of them damned, other than the sound, because you'd use Skype, but, yeah.
	I believe him.
	He's old school.
	What year is this?
	Yeah, I know, bro.
	He's way behind, but that's fine.
	So yeah, we'll set something up.
	They want a 3v3.
	So we're going to do three Christian debaters versus three Islamic debaters as well.
	Okay, I think I got like two that hit me up.
	I could easily make it three.
	That's fine.
	We need one more.
	Okay.
	We'll make that happen.
	Probably not this week, guys, because I'm going to be going to Las Vegas tomorrow.
	I'm going to be doing some content out there.
	With my fool.
	Yeah, yeah, yeah.
	We're going to do some with Jake Shields, the Twins, Dan Bilzerian.
	Fire.
	So, we're going to make some stuff happen.
	It's going to be a good time.
	What else?
	I was going to say the Twitter space yesterday, but we're on YouTube.
	Yeah, yeah, yeah.
	So, I won't even talk about that really.
	Actually, you know what?
	We'll talk about it a little bit more on Fresh Fit News.
	Yeah, I'll talk to y'all a little bit about it.
	I'll give you guys the clean version of it on Fresh Fit News.
	Super clean.
	What else?
	Rumble.com slash Fresh Fit and Calciclub.tv, guys.
	Zoom call was fire.
	We did it for the guys.
	It was a pretty good fire call.
	What else?
	I got a debate on communism and capitalism coming up for you guys with...
	We're Andrew Wilson and Haas.
	Okay.
	That's probably going to be on the 24th.
	So we got some things coming up for you guys that are going to be good.
	So some Vegas content this week.
	Fresh is going to stay back and do some stuff.
	Oh, you want to tell them what you're going to do Wednesday?
	Yes.
	So there was a recent article and a recent news report of a woman that drove a car and crashed into two other cars and killed two people.
	And for whatever reason, she was on our podcast a couple years ago.
	So we're going to talk about that.
	Exactly.
	One year ago to be exact.
	April last year.
	Yeah.
	So we're going to talk about it in detail because I actually know her pretty well and my co-host for that day.
	So it's going to be funny to react to that.
	And not funny, but go into detail of what will happen.
	Wait, your co-host for that day?
	Co-host.
	Co-host for that day.
	You're not going to be here.
	Oh, okay.
	Oh, Kevo knows her too?
	Yeah, yeah.
	It's crazy, bro.
	Small world.
	Alright.
	It's wild.
	Anyhow, yeah, that's the update.
	Yeah, they're gonna talk about that.
	But yeah, that'll be on Wednesday.
	And then they're gonna do After Hours as well with some ladies.
	So yeah, but I will be out there in Vegas filming some stuff.
	I'm gonna bring Bills with me.
	We'll IRL stream some of this stuff as well.
	So it's gonna be fun, guys.
	It's gonna be fun.
	Yeah.
	But that is sad though.
	Like you said, two dads died that day for her reckless driving on drugs.
	Yeah, bro.
	I showed the crash yesterday on Rumble.
	As you guys know, I did the El Mayo breakdown on Fed Reacts.
	On FedReacts, then I went a little bit longer.
	We did a Twitter space, whatever.
	I did that on Rumble for obvious reasons.
	And we talked about a bunch of stuff.
	But at the end, someone asked me about it.
	And I was like, let me look this up.
	And I looked up, you know, shot to Donovan Sharp, his video.
	And we saw, obviously, the crash.
	It was crazy.
	But yeah, Fred's going to go into more detail.
	I didn't know that you knew her.
	Yeah.
	Yeah, I didn't know that.
	So, he'll give you guys some more stuff tomorrow.
	Hey man, don't ask all I know her.
	Don't ask.
	Anyhow, let's continue.
	CastleClub.tv, guys.
	Check us out over there.
	And then, rumble.com slash FreshFit.
	That is the home base.
	And then, today's episode, guys, with Money Monday, instead of having more of a...
	Main topic.
	Like a main topic that we're going to talk about, we're going to talk to you guys more about the markets and what's going on.
	So, you guys are kind of aware since Monday.
	This is the news.
	So, you want to kick out the first topic?
	Yeah.
	Yeah, so we broke it down into three topics mainly.
	And the first one is going to be rates.
	So what's happening now, guys, is that the rates are actually at an all-time high.
	We've got an article here, right?
	Yeah, actually lowering rates in the future.
	But right now where we're at, a lot of people are worried about buying property.
	Oh, Q&A too, guys.
	So get your questions in as well because we want this to be more like a discussion as well with you ninjas.
	Yeah.
	And obviously people are worried because they want to invest money, but they want to wait until rates go down, right?
	That's most people's concern.
	So there's an article right here, if you don't mind, Myron.
	If you don't mind, brother.
	Yeah, I was already getting my glasses ready because I knew you wanted me to read this.
	Of course.
	Over the past couple of years, Americans have dealt with, and I'm sorry guys that my voice sounds funny like this.
	I was going on some rants yesterday on X, so I apologize.
	Some.
	Did you hear?
	You heard them?
	Some rants?
	I snuck in a few times.
	You heard what I said about citizenship?
	I've snuck in a few times.
	Over the past couple of years, Americans dealt with persistent inflation in the US economy in an effort to keep inflation at bay.
	The Federal Reserve raised its benchmark rate several times and now remains at a 23-year high.
	As a result, this increased, which by the way guys, we did a whole talk on the Fed and how central banking messes up economies, but that's a whole other thing.
	As a result, this increased interest rates for many consumer loans, including mortgages, making it too expensive for many people to buy a home.
	While mortgage rates remain relatively high, today's average 30-year mortgage rate as of August 19, 2024, is 6.57%.
	Which is significantly higher than the pandemic-era lows of 3% rates.
	Mortgage rates have started to decline a little in recent months, and the Fed might cut rates soon, which could lead to even lower mortgage rates.
	That said, in today's unusual economic environment, there are other factors that could also impact mortgage rates, such as the health of the economy.
	Bad news for the economy can be good news for mortgage rates, says Melissa Cohen.
	Regional Vice President Williams Ravis Mortgage.
	With that in mind, where are the mortgage rates heading this fall?
	We asked some experts for their predictions.
	Who gave him that sound clip back?
	Who gave that back to him, bro?
	I did it myself.
	All right, so here's the thing.
	Let me give you guys my opinion on this, and then you guys can kind of, and then I'll turn it back to Fred.
	So I want you guys to know, do not let...
	Higher interest rates keep you from buying a house, right?
	I know some of you guys heard me on the yacht say, hey, residential is being annoying right now or sucks right now.
	Yes, in Miami.
	In Miami, residential right now sucks because what's going on in Miami right now, right?
	Is the houses are too expensive and the interest rates are also too expensive where you cannot charge enough rent where it makes sense to buy the house.
	Does that make sense, guys?
	So when you buy a home, you've got to calculate how much your monthly payment is going to be.
	And when I calculate how much the monthly payment's gonna be based on the price of the home and the interest rate, along with how much rent that house will be able to collect, right?
	A lot of times you either break even or you don't profit.
	If it doesn't profit, you don't buy it.
	And in Miami, the housing is like at damn near all-time highs because So many people have moved here.
	You guys gotta understand, since 2020, the population of Miami, or not Miami, Florida in general, has went up significantly because people realized a couple of things.
	Number one, there's no state income taxes here.
	Number two, the weather's fantastic.
	Number three, it's way cheaper to live here than up north.
	And then number four, you can work from anywhere, so if you can work from anywhere, right, that's what the pandemic pretty much proved, why are you gonna live in New York, right?
	So everyone moved down here because it's way cheaper to live.
	I'll give you guys an example.
	You want to get, at least back in 2020 prices, you could get a one-bedroom Nice apartment in Brickell, right, in Miami, back in 2020, 2019-ish.
	I was paying $1,700 for my spot.
	Incredible, by the way.
	I was paying $1,700 for my old spot.
	When you guys look at our old...
	When we first started doing Freshly Fit, you look at my old stuff when I was like...
	You could see the background or whatever, and I first started streaming.
	That was my old apartment.
	It was down the street.
	It was actually down at the...
	Fuck it, I'll say it.
	It was down at the Fortune House.
	Yeah.
	Right?
	It's the property with all the people on it, the black paint with white people on it.
	Yeah.
	And that building is a hotel and a condo.
	All in one.
	Yeah, all in one.
	And you guys are probably like, wait, what the fuck are you talking about, Meyer?
	We're in a hotel and a condo?
	Yeah, so in Miami, it's very weird.
	There's buildings that we have.
	It's a Florida thing.
	I haven't seen this in any other states.
	Correct me, guys, if you guys have it in your state, tell me.
	I'd like to know.
	But here in Florida, there's buildings that serve as hotels and as apartment buildings and or...
	Condominiums.
	So, I had a condo that I was renting for $1,700 a month.
	Had a balcony, security, gym, all that, right?
	A valet in the front.
	And the thing I liked about it was, since it's a hotel, guess what?
	It's always fucking clean.
	It's a hotel.
	So...
	So I like that.
	And then also there was valet, all this crap.
	And you shared a pool as well.
	And you shared a pool, all that.
	So it was $1,700 a month, which is cheap.
	If I want an apartment like that, let's say it's in the New York City equivalent, let's say Manhattan.
	Damn.
	Bruh, try $17,000 a month.
	Minimum.
	Easily.
	Yeah.
	So that's why a lot of people came down here, because they were like, okay.
	I'm kind of going over Miami real estate in general, which you guys know we're going to broaden out to the rest of Florida and then the country.
	I'm speaking here just so you guys can see on a more micro level, then we're going to go back out to the macro.
	When it came in Miami, Florida, When people come down to Miami, they usually go to Miami Beach, right?
	Ocean Drive, the beach, Collins, all that other stuff.
	When people think of Miami, like tourists and stuff like that, when they think of Miami, you guys do realize you're not actually staying in Miami.
	You guys are going to Miami Beach.
	That's where all the tourists are.
	That's where everyone hangs out, right?
	Everyone thought, prior to 2020, that Miami was expensive.
	No, it wasn't Miami that was expensive.
	It was Miami Beach that was expensive.
	But the city of Miami was still very affordable back then, right?
	So when I got here in 2018, and I got my apartment for $1,700 a month in Brickell, over there at the Fortune House, you guys can Google it right now, right?
	185 Southeast Terrence, whatever the fuck, I forget the thing, right?
	Um...
	Rent was very cheap and that was all of Miami.
	Like all of like the city of Miami and Brickell.
	You could find a great apartment for under $2,000 in the heart of it and you could walk everywhere.
	Versus you take that functional equivalent And bring it to New York City, whatever.
	You're paying 10 to 20k to get the same thing.
	And that's up north in general.
	Boston, Washington, D.C., New York City.
	Hell, even Philadelphia in some parts was expensive.
	That was the northeast in general.
	Then on top of that, you had the cold weather, the high taxes, crime rates, all this other stuff.
	And then people are like, what the fuck?
	So the pandemic pretty much proved that you can work from anywhere, from home, because everyone's working remotely.
	So what did they do?
	They said...
	So if I don't need to go to the office and I can work remotely, why don't I go down to Florida where it's cheaper, it's warmer, there's no state income tax.
	And there's a beach.
	And there's a beach.
	Fuck that.
	And then everyone started figuring out that the city of Miami is not Miami Beach and you could actually get an apartment for under $2,000.
	Everyone fucking came down here going crazy.
	That's why the city has exploded.
	Guys, every single house that I bought in Miami, In 2020 and 2021, all those buildings are well over $100,000 extra in equity just because of everyone that moved here, right?
	Now, that's in Miami.
	You spread that out to Florida, Orlando, Tampa, etc.
	They haven't grown to the same level as Miami because this is like one of the bigger major cities here, but it's also exploding in popularity as well.
	And that's why real estate prices have went up significantly.
	But with that said, that was in 2020, 2021, maybe even a little bit of 2022.
	The interest rates went up because at this point, the interest rates were like 3%.
	So people were coming here because they were getting houses cheap, they were leaving New York, and they were going to get interest rates at 3%.
	Yeah.
	So everyone's fucking moving because when you get interest rates at 3%, guys, that's like effectively free money.
	Like that's very little added to your mortgage.
	We're talking on a 30-year fix, you buy a $300,000 house, an extra...
	$200 a month, some shit like that.
	30 year fixed?
	It's free money damn near.
	You're borrowing almost for free.
	And you're locking that rating for 30 years.
	That's the big one, guys.
	When you get a home mortgage, it's 30 years fixed rates.
	3%.
	That's crazy.
	So that was Florida.
	That was Texas, right?
	And we saw a bunch of people move from California to Texas.
	We saw Joe Rogan move during the pandemic era.
	We saw Elon Musk move during the pandemic era.
	We saw businesses move during the pandemic era.
	Even Graham Stephan moved.
	Graham Stephan moved.
	We saw a lot of YouTubers.
	And that's just to show you guys on the front lines who moved.
	But in reality, a lot of other people moved too.
	Nevada.
	A lot of people left these blue states.
	New York, Massachusetts, Pennsylvania.
	Well, not Pennsylvania so much, but New York, Massachusetts, California, Colorado, they left these places to go to Nevada, Texas, Florida.
	Interest rates were low.
	So now, obviously, interest rates have doubled, and a house that you could have been able to buy back in 2020, you can't buy now.
	Because not only has the housing market increased, with the price that I just explained to you guys because people moved, But also, interest rates have went up.
	So now, in Miami in particular, since the properties are up, The interest rates are up.
	It's very difficult for you to now go ahead and rent a house and still make profit because rents have pretty much stagnated in Florida.
	I would argue in a lot of places, even rent, you've had to bring it down.
	On a couple of my properties, I've had to bring the rent down.
	Damn.
	Yeah.
	Not by much, but it's still cash flows.
	It's because I got it at such a good rate that it doesn't matter.
	But if I had bought it maybe a year or two later with a higher interest rate, the numbers wouldn't work.
	At all, yeah.
	So, buying it with a low interest rate, guys, does matter.
	And then also, obviously, what you can compart with on rents.
	And rents are pretty much flatlined in Florida.
	At least, especially in Miami.
	So, I have friends that wanted to get into the property, but they're waiting.
	Give me ones if that makes sense for you guys in the chat.
	Give me ones.
	I explained the Florida market, the Miami market in particular, but this also applies to a lot of these other places where people move.
	Give me ones if that makes sense.
	It makes sense.
	But I have friends that wanted to get into property, right?
	And they're thinking to themselves, if I just wait until the thing dies down, then I'll buy property.
	But then I ask a question to them as well, and to the audience.
	If you're gonna wait for people to buy property later on, right?
	Everyone that's invested money right now, as an investor, they would have found a property that bought it already before you because they're looking, as we speak now, for properties.
	And if you're waiting to buy property in the future, when rates are down, everyone that buys properties is already buying properties anyway.
	So my thing is like, when it comes to rates, I understand they are pretty high right now, but if you're smart about it, you get properties now while they're on the market because the biggest thing is finding deals.
	Deals are hard to find anyway.
	When everyone's looking for a deal, then guess what?
	It's going to be extremely hard to find regardless.
	But if people are not looking for deals that much and they're scared to buy, that's when you should buy.
	So with the rates being this high, what I would do is I would buy now while they're still high and then refinance whenever it comes down to a lower rate.
	Because let's be honest here, guys.
	It won't stay high forever.
	And at that point, you just refinance their property or...
	Cash out refinance or HELOC. And then from there, get that money out and then get another property.
	But the biggest thing I want to do with save up rates is that with rates, you always want to have the option to lower them if you can, which means wait for them to drop down and then lower them.
	But don't be scared to buy property, guys.
	Buy now while you still can while they're on the market because all these deals that you see right now on the marketplace won't be there in the future.
	So get it now.
	Yeah.
	You're better off picking up a property now while you guys can.
	But yeah, obviously you've got to find a deal.
	But this is where...
	When the rates are high, like this, guys, this is where you have to come in aggressive and offer, I hate to say, you gotta offer, you gotta lowball price them, you know?
	And the thing is, is that you can.
	You simply can because other, keep in mind, if it doesn't make sense for you and it doesn't make money, it's not gonna make money for other investors as well.
	So you can make a lowball offer.
	What is that?
	Also, they're also motivated to sell because either they need money themselves or they just wanna get out to another property.
	So either way, they're gonna be motivated to sell to you as a buyer.
	Yeah, especially if it's closer to the end of the year, which is what we're at now.
	Because, guys, the reason why is because of something called the 1031 exchange.
	So if they sell the house, they have a certain amount of time to go ahead and get that 1031 exchange done after they take the profits from the deal and then move it over to another property.
	So they'll also be motivated at the end of the year as well.
	So a lot of times I find good deals at the end of the year.
	Sometimes I have to buy them cash because, you know, oh, that's another thing too you guys can do to get around this whole bank shit, right?
	You can buy deals cash.
	Now, I know some of you guys are like, well, hold on, Maureen.
	Didn't you say buying cash is stupid?
	It is.
	It is stupid a lot of the times.
	But there are particular instances where buying a house cash can make sense and then you don't lose access to that capital because as soon as you buy cash, you could turn around and either do a refire or do a HELOC on that house.
	So you have access to that equity that you got.
	Because once you own it outright, there's no bank involved.
	It's your house, right?
	You just pay taxes on it, that's it.
	All the money that it makes, you keep 100% and you don't gotta pay a mortgage or nothing.
	However, I know some people might not wanna tie up two, $300,000.
	That's totally cool.
	You can go ahead and tie up that money and then go ahead and basically get access to it later.
	Will you get access to the full $200,000?
	No.
	You'll only be able to access maybe $160K, $170K, $150K. But you still have access to a portion of that capital, which I think is still a W, assuming you can't get the house through other means.
	Because keep in mind, guys, that there are some deals.
	Where banks won't give you a loan on the house because maybe it doesn't mean they're appraised.
	There's issues with it.
	They don't want to give a loan.
	The seller says, I don't want to do a deal with the bank.
	I need cash only.
	They're trying to make it done quickly because cash deals, you can get the deal done in like two weeks.
	So there's a multitude of reasons why cash can make more sense.
	I mean, I'll tell you guys a story.
	Last year, this was...
	It was the end of 2022.
	End of 2022.
	December, right?
	Yeah, December.
	I bought a house in Pompano Beach, right?
	And I bought it cash.
	$400,000 was a new build, right?
	It's a steel house, right?
	And it won some awards for fucking being super wind resistance, whatever.
	The dude that built it, Long story short, the dude that built it was like a developer.
	He built the house kind of to show, this is a house that's steel that can resist wind, blah, blah, blah.
	And it won some awards, etc.
	Whatever the fuck.
	It's a three-bedroom, two-bath, right?
	But the issue is that he needed to get rid of it quick because he built it to flex, but it cost him quite a bit of money to build.
	But he's okay with that because he wanted to report the losses.
	On his taxes, right?
	So he wanted to report the losses.
	So he built it out of pocket, cost him a lot more money to build it than what he was gonna sell it for, but he didn't go fuck because the losses would actually benefit him.
	Older guy.
	So he was like, look, this is off-market, but $400,000.
	Now, obviously, I grit my teeth.
	I was like, what the fuck?
	But it was the end of the year.
	I said, all right, whatever.
	I bought it, cash, right?
	For $400,000.
	But...
	Now that house is worth $500,000.
	Damn.
	Right?
	It's worth $500,000.
	Three bedroom, two bath, Pompano Beach, and that's an upcoming area.
	That's why when you guys hear me talk to the girls about Pompano Beach or whatever, I know a little bit about it because, you know, I look at that market and I was like, okay, is it worth buying a bullet?
	It is upcoming.
	Normally, three, four years ago, piece of shit.
	Never fucking invest over there.
	But it's getting better because the pandemic made people come to Florida.
	People come to Florida.
	They can't afford to live in Miami anymore because it gets outpriced from all the fucking yuppies that come from New York.
	So where do they go?
	They move in the Miami-Dade, Broward County area.
	Pompano Beach is an area that's going.
	And Pompano Beach, I would say, is more of a Fort Lauderdale.
	It's a Fort Lauderdale suburb.
	So it's funny.
	Cora Black talks about Pompano a lot.
	Yeah.
	Suburb.
	I mean suburb as in the major city.
	I get what you're saying.
	It's the closest major city.
	So Kulak talks about Pompano a lot, right?
	And he's almost glorifying it as the hood area.
	But I went on a date by the boardwalk over there in Pompano.
	I was shocked to see how nice it was as well.
	My bad.
	And then how many white people were there.
	Yeah.
	I was like, what?
	Wait, hold on.
	I thought I was mainly, like, black.
	But there's a bunch of white people there.
	A lot of Brazilians.
	Chilling, buying ice cream, eating dinner.
	I'm like, damn, this era's pretty affluent.
	So over time, it's developed into that side, which is more affluent as well.
	I was surprised.
	I went this weekend, too, so...
	Yeah.
	I was actually very shocked how nice and developed it already was.
	It's getting a lot better.
	It's nice, man.
	I was shocked.
	It's nice.
	Guys, the reason why that place is developing is because people can't afford to live in Miami.
	So what do they do?
	They move.
	They go up north.
	They go to Broward County.
	And there's better schools, too, up north than down here.
	Miami-Dade is notorious for sucking with schools unless you send your kids to a private school.
	So did I want to do that deal?
	I was pissed, but I did it.
	I grit my teeth.
	But now the house is worth way more, right?
	But that's one of the houses I've had to bring my rent down a bit.
	You can't charge as much rent up there in Pompano Beach.
	Because the rents have kind of flattened out.
	So did someone tell you or did you just do it automatically because tenants left?
	How did you know to lower the rent?
	I just know because comparables in the area.
	Comparables in the area and then I could tell with how long it stays on the market.
	So what I'll do is I'll put my...
	And this is a tip you guys can do too.
	If you have property, put your unit on the market for at or a little bit below...
	Market rent, and then let a bidding war occur.
	Okay.
	Let a bidding war occur.
	And then just put the person in.
	Oh, another pro tip.
	Guys, I don't give a fuck how much money they make, and I'm learning this the hard way, because I got two tenants that make over $100,000 a year that still can't pay their fucking rent.
	Actually, I'm evicting a bitch out of one of my houses right now that makes over $100,000.
	What did she do for work?
	I forget what it was.
	She does something.
	I don't know.
	I forget what she does.
	She's a nurse?
	Something in that field.
	That'll make sense.
	Okay.
	You learned something, man.
	Yeah.
	Then I had another dude that was like an airline pilot.
	Not pilot.
	Airline mechanic.
	A plane mechanic.
	Didn't pay his rent.
	But then they both had shitty ass credit scores.
	But I was like, you know what?
	Yeah, I'm making enough money.
	We should be okay.
	Guys, pro tip.
	It doesn't matter how much money they make.
	If their credit score sucks, bro, don't give them the fucking unit, guys.
	Don't give it to them.
	I'll take it further.
	Don't fucking give it to them.
	If you want to date a chick, your score sucks, don't date her, bro.
	700 or above only.
	Facts.
	Alright.
	But yeah, so that's something I learned.
	Like, how much money they make, people can never outspend bad habits, bro.
	Sorry, they can never outlive their bad habits.
	I'll save their bad fucking habits.
	Yeah.
	Like, it's just fucking ridiculous.
	So, yeah, she's a fucking bum.
	But, yeah, she was complaining to all my kids.
	Shut up, man.
	But regardless, though, with risk, we're just saying, guys, as a summary here, don't let them scare you.
	If you want to get into property, do it now while you still can, because I'm telling you, BlackRock and these investors that we have now, New York, Canada, they're buying right now as we speak, and those deals won't be there.
	And I'd argue that articles like that are put out to scare you from buying a house.
	It is.
	Because, just like he said, guys, BlackRock since the pandemic has been buying single-family homes like fucking crazy.
	Almost every hour, basically, if you think about it.
	They're buying houses all the time.
	And Chris Krohn, who we did a Zoom call on him, please go check it out, it was great, guys.
	Yeah.
	He talks about this.
	There's a reason why he buys single-family homes.
	Single-family homes are never going to go out of style.
	You'll always be able to rent those.
	So I got a tip for the guys watching right now.
	If you're here watching right now, this is a goal of mine.
	We can go right now, buy property, and make massive gain.
	So I have an investor friend that lives in Orlando, and he told me this actual location that's really good for buying properties.
	I'm going to buy some as well next coming months.
	Celebration Florida in Orlando.
	Celebration Florida?
	Yeah.
	So that area, any property over there, go on Zillow.com or Redfin, any of those websites, even single-family homes over there have the tendency to go up in value immensely.
	So buying them now while the market's kind of like a little bit shitty, with a year or two, it'll blow up in value.
	Just buying it right now.
	Celebration, Florida.
	Okay.
	There you guys go.
	Yep.
	But yeah, so that house, like I told you guys before, right?
	So I was mad I grew up my teeth, I bought it, but it's worth $500,000 now.
	So effectively, if I wanted to, I could open up a home equity line of credit, or I can do...
	$70,000, $80,000.
	Or I could do a cash out refinance and pull that money out, get 70-80% out, and that would give me access to like $500,000, that set 80%, that'd be like $400,000.
	Damn.
	Yeah.
	70-80%.
	80% no, give me like 400k.
	That's pretty good.
	So yeah, guys, that I could have access to.
	So it does make sense sometimes to buy houses cash, especially when you find a deal like that and the seller, he didn't want to do a bank loan.
	But the problem is people of our generation don't want to buy property nowadays, so they're going to be renters for a long period of time, bro.
	Yeah, which is very bad.
	That's a millennial thing, by the way.
	Millennials and Gen Zers are notorious for not buying stuff.
	Even though they make more money than a lot of people from the past, they still believe in renting.
	Their money doesn't go as far.
	That's why, because of inflation.
	Yeah.
	Speaking of which, our next topic is going to be this exactly, about how millennials are making more money, but at the same time, right now where we live in inflation, high costs, and energy costs as well.
	They're talking about buying land.
	Guys, I personally, look, I'm going to keep it a buck.
	I think buying land is a fucking waste.
	I wouldn't.
	Yeah, I genuinely think buying land is a waste.
	So many people ask me about buying land.
	Guys, I don't fuck with land.
	I think it's a big ass fuck of waste.
	Unless you're gonna build something that's gonna make you money, like instantly, then maybe.
	But even then, I'd be cautioned about it.
	A lot of you guys buy land in random ass places too.
	Like, bro, look.
	If you want to buy land in fucking Wynwood, in Miami, cool.
	Be my guest.
	You're sitting on a couple million dollars, right?
	Because there's a bunch of people.
	If you go to Wynwood, Miami right now, there's a bunch of open fucking lots that have signs around them saying building coming soon, blah, blah, blah.
	Those are smart people that bought that land for $500,000, whatever it may be.
	Now it's going to be worth millions because they're going to put a fucking high rise there.
	Then we could have a conversation about buying fucking land.
	But in general, buying land is a waste of money, man.
	You don't get the same tax write-offs because you can't cost segregate it.
	At all.
	And for you guys that are wondering, cost segregation is based on the actual property, the wear and tear of the house.
	But if you have land, because when you do cost segregation, you can't put the land into the cost segregation survey.
	So you're not able to derive the same benefits from a tax perspective for buying land.
	And let's be honest here, a lot of times land, you're not making money on it.
	You just buy it and you kind of sit on it, unless you have like a parking lot on it or something like that.
	And you got to pay taxes on it too.
	Yeah.
	It's costing you money.
	I don't know.
	I think land is stupid because I saw someone in here talking about buying land.
	Fuck that shit, bro.
	Unless you're a very savvy investor, you got your portfolio set up, you're making cash flow, whatever, you want to dabble in land and it's a long-term thing, whatever, you know what you're doing.
	Fine.
	But most of you guys that are watching this show right now, bro, land is...
	Nah.
	If I had a network of developers that I knew personally, then I'll buy land.
	Other than that, I'm not buying land.
	Yeah.
	It's a big fucking waste.
	Yeah.
	Yeah.
	Go ahead.
	Okay, cool.
	So we've got the article here, Bills?
	Yes.
	All right.
	Millennials are wealthier now than their parents who are at the same age in drastic turnaround report.
	I've got a video here as well.
	Yeah, you can play it.
	Just the first part.
	Fun fact, he's in Orlando as well.
	I spend the day in my steel-toed boots.
	Oh, that's commercial.
	Lame!
	Anyhow, yeah, he talks about what's going on with the current market and millennials, and it's really crazy what he's talking about with the...
	Yeah, I think most of us in America would define the middle class as somebody who can work a 40-hour-a-week career and could have the income to purchase the average home in America and possibly even have a spouse at home, raise a couple children, take a two-week vacation, have a car that's five to ten years old, nothing fancy.
	You know, still turning the lights off in the house.
	A lot of us grew up middle class, and we watched what middle class was in the 80s and 90s as millennials.
	And nowadays, that's what's moved the goalpost more than anything is the housing market.
	Because just five years ago, the median household income was about $60,000, $70,000, and that's what you needed to qualify for a home.
	Now in 2024, the average home is $400,000, $420,000 for most of Americans, and you need about $120,000 as an income to have a shot at qualifying for that house.
	So just in the housing market alone, I feel, is what shifted the goalpost.
	And if someone can't afford Yeah.
	Yeah.
	Yeah.
	So, nowadays, people bring up middle class.
	I think it's pretty much like dead.
	I think now where middle class is, it's basically like either you're successful and you have a high-paying career, or you're not successful and you're working at minimum wage or average minimum wage.
	What do you think about that, middle class?
	Yeah, I mean, it's slowly evaporating, right?
	Because I don't...
	It's either...
	I would say, if anything, it's more along the lines of you're either poor or upper middle class.
	But this whole middle class thing, it's not even...
	Because you could barely make a living with a middle class salary.
	I mean, other than paying your mortgage and paying for the cars...
	And food?
	Because food is outrageous right now.
	To me, vacation, maybe once a year, if you're lucky?
	That much?
	50k a year?
	Yeah.
	50k a year, you could provide for yourself as a single guy, but for a family, man, I remember you used to be able to provide for a family with 50k per year when I was growing up.
	Now there's no way.
	Like you mentioned, most properties now are 400k plus.
	That is not cheap.
	And then you add in the cost of living, food, groceries, and then car prices?
	I think the average medium is like, when we talk about Chris Wall, is it like $300,000 to $400,000?
	Yep.
	Nationwide, $300,000 to $500,000?
	Yep.
	So you're going to need a lot more money, and as well, everyday expenses are even higher.
	So I think middle class is pretty much gone.
	Upper middle class is a good thing to say as well, but honestly, guys, this is why people nowadays, especially millennials, don't want to buy.
	They just want to rent.
	They want to travel, they want to go out to eat, and they want to enjoy life, but not have a heavy bill on their expenses.
	And I get it.
	They'd rather rent, which I think is stupid a lot of times, but...
	It is, but their mindset is, okay, I could spend all this money and be burdened by this weight on my shoulder, which is the property, or just rent and move when I want to move.
	So the freedom of moving and having that access ability is what's driving them to say, you know what, I'll just travel, rent, and then eat wherever I want.
	I mean, I get it, but it's not smart, though.
	Because you're paying rent to somebody's mortgage when you pay your own rent, which is your mortgage.
	Yeah, I mean, renting makes sense sometimes.
	I mean, actually, it makes sense most of the time, right?
	Like, buying is not always necessarily the best, but my issue is that they don't own any assets.
	That's the biggest thing.
	It's like, they don't have any assets.
	If you want to rent where you live, that's fine, but do you own assets?
	And most of them don't.
	Let's say you were...
	Pretty scared about spending money, right?
	Let's see if you borrow a property, maybe...
	Well, also keep in mind, millennials, that's our age group, they have the Dave Ramsey advice.
	Don't have debt!
	True.
	Right?
	You know, save your money, like, you know, it's this whole, like, doom of having debt in general, and they think all debt is bad, but the reality is it's only really consumer debt, because...
	Dave Ramsey teaches millennials and even people like our age, he tells you don't even take a mortgage to buy a house, Dave Ramsey.
	But to be fair, people should follow his advice though, because most people are not good with money.
	So they're going to do the worst things possible to the extreme.
	For idiots, yes.
	For idiots that don't understand how credit works and how debt really works.
	Especially when you live in a country like America that's run by a central fucking bank.
	Debt, if you know what you're doing, is very intelligent.
	I like how...
	Because Robert Kiyosaki, Grant Cardone, Ken McElroy, these guys talk about debt where you can use debt as a fucking asset, which is true.
	Because we live in a debt monetary-based system.
	If you're able to use the debt intelligently and acquire assets that pay for themselves, then the debt is 100% worth it.
	So.
	Okay.
	I mean, honestly, bro, from my opinion, what millennials should do is they should work their asses off, do, I want to say, overtime as much as possible, and at that point, use the money to buy property.
	And if you can't do that, work two or three jobs, minimum.
	Yeah, you got to suffer for a few years.
	Oh, I'm tired from work.
	I want to watch TikTok.
	All right, buddy.
	Well, then that's where you're going to live at.
	Rent forever and die as a renter.
	Yep.
	Quick order from our sponsors.
	Go ahead, Bill.
	Moe.
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	All right.
	Cool.
	Thank you, Mo.
	So, where we at here?
	So, for millennials, what advice would you give to them to, like, move forward and become better?
	I think buying real estate is the way to go.
	Like, I think all your money guys that you, like, work as many jobs as you can, even if you've got, like, a bullshit, like, you know...
	You know, minimum wage, job, whatever.
	Like, you can work multiple of those.
	You can work maybe at a burger spot, then do Uber, then do maybe some Uber Eats, whatever it may be, and then make as much money as you can and pick up your first property and house hack your way in.
	I think that's the best way to get in as a money owner, because at least once you get that first property, I don't even care if you become a real estate investor.
	Once you get that first property and you're able to live in it and rent out the other side or you have roommates or whatever, you're able to live for free.
	So at least you're going to cut your biggest expense, which is living expense for most Americans.
	And then let's say you own your car.
	Bro, that in itself is going to make your life so much easier.
	You know what's crazy about, especially guys as well for cars?
	Cars are our biggest thing that we buy after rent.
	Usually we buy cars either with lease or finance.
	But the more I'm in the car space, the more I learn about cars, bro.
	It is literally eating at your wealth the more you do that.
	So paying a car off actually saves you a hell of money over time.
	So that's well said.
	Yeah, man.
	Guys, just drive a beater, bro.
	It really isn't that serious, man.
	A lot of people want to have the nicest car or whatever.
	For most of you guys, it doesn't make sense.
	Unless you're running a business and you're buying a car that's like 6,000, what is it, 3,000 or 6,000 pounds?
	I believe it's 6,000 pounds.
	It doesn't make sense financially to buy a super nice car, man.
	It really doesn't make sense for you.
	Because a lot of you guys have regular jobs, you're not an entrepreneur.
	It doesn't make sense.
	And don't fall for the fucking, you know, bullshit.
	Oh, bro, you know, have a super nice car.
	You know, it's worth it.
	Live a little, blah, blah, blah.
	Like, nah, man.
	Don't fall for that shit, bro.
	Six thousand pounds.
	Six thousand pounds.
	Like, don't fall for that shit, guys.
	It's not worth it, man.
	Especially...
	Like, nowadays, especially with the current car market, you're fucked, bro.
	Yeah, no.
	Hell no.
	And the interest rates are high?
	Yeah, wait.
	You're paying $500 to lease a Camry?
	If you're gonna buy a car, buy at least three...
	To four years lower than the current year.
	I'm telling you guys, it looks the exact same, but you're going to save on depreciation and as well, new car tax.
	Because new car tax basically means you buy the car brand new, the moment you drive off the lot, you got to pay a tax.
	A huge tax.
	At least 20% down on the car.
	So off the car.
	Oh, you mean the value of the car goes down?
	Going down, yeah, 100%.
	When you say brand new, are we talking about brand new as in like the year it was released, it's that current year, or do you mean brand new as in like no zero mileage?
	Brand new from the dealership.
	That can mean either the exact year or a new car that was not put miles on at all.
	Okay, so it could be a 2022, but brand new zero mileage.
	Well, at that point, the value should be lowered, but just to be extra careful, three to four years lower, pre-owned.
	So if anyone's buying a car now, they should be looking for a 2021 pre-owned.
	Pre-owned.
	That's in good condition.
	The service by the dealership or manufacturer has a warranty on it.
	Boom.
	That's it.
	What's the price range?
	It depends on what they want.
	But let's say they're getting a Toyota or Honda, you can spend maybe like 12 to 17k.
	Give us like the reliable cars, what they should be spending.
	Camrys, Hondas, like what do you think they should be spending?
	If you're in South Florida, I recommend Rick Case.
	Shout out to them.
	That was my second car I bought from Florida.
	It's Rick Case Hyundai Elantra.
	But those companies have cars that last forever.
	You buy those one time, pre-owned of course, don't buy brand new.
	And what's going to happen is once you buy those cars, you drive to work A to Z for years, and they last forever.
	Now granted though, if you buy a new car from any location at all, What's going to happen is the car value, once you trade off the lot, is going to go down, and then you have to pay what's called, what's the term for it?
	It's when you're, not underwater, but you're like, what's the term for it again?
	When you owe money on a car, when you buy it.
	But the value of the car is below it?
	Yeah, below it.
	That's what it's called.
	Yeah.
	I mean, mostly I call it like being upside down on a deal.
	Oh, okay.
	So when you're upside down on a deal like that, you're going to feel the pain of paying off.
	Because, guys, remember, the car, you still have it.
	You're paying monthly for insurance and the price of the car.
	So as long as you know you want to sell it, guess what you got to do?
	Pay the difference of the car from the value.
	So that means you got to pay between roughly...
	You're overpaying for a car that's worth less.
	Yeah.
	Because you locked in that rate.
	100%.
	Oh.
	And mind you, they know what's happening because to them it's like, okay, you just signed this piece of paper for finance or for lease, we got you.
	Remember, they make money on the front end.
	Because those terms were done at the point when you signed that paper and you're stuck in that.
	They make money from the front end, but mostly from the back end.
	That's what it gets you, bro.
	So the front end is easy.
	The back end, that's where the money goes.
	Dude, buying a new car now, it just seems like there's no way to...
	It's the finesse, bro.
	It's the finesse.
	So at this point, would you advise anyone ever buy a brand new car?
	No.
	Honestly, no.
	There's no point.
	Like, there's cars already that have been made from prior years that are just as good and look exactly the same.
	Ta-da!
	And if you can, if you're a mechanic or you know someone that's a mechanic, you can go to them for a repair or for maintenance.
	Don't go to the dealership.
	Go to them.
	It's way cheaper.
	They do the same job, and they don't tax you.
	So, just some tips here, guys.
	Yeah.
	Okay.
	Damn.
	And then the last topic for today.
	Yeah.
	Kamala Harris recently told everyone her policy on financial gain for the American people.
	So let's see the article.
	Okay.
	Kamala Harris unveils economic plan, including a whopping $1.7 trillion in handouts, Fed ban on grocery store price gouging.
	Wow.
	This is crazy.
	We can play the video as well.
	So she's going to give us handouts.
	Is this going to be like PPP loans?
	Or is it going to be like the, uh, huh?
	New York Post trying to tax us right now.
	Literally, bro.
	Sign up now, bro.
	Okay.
	Raleigh in North Carolina.
	Vice President Kamala Harris on Friday unveiled the economic policy she would enact in her first 100 days in office, and it comes with a whopping estimated $1.7 trillion in handouts as well as government price controls on groceries amid ravaging Biden-Harris administration inflation.
	Her economic plans measure includes Measures to dole out $25,000 to help first-time homeowners with their down payment and give up to $6,000 tax breaks for lower- and middle-class income families who have a child in their first year of life.
	Harris did not say incomes qualify as lower and middle.
	The housing subsidies alone are absolutely inflationary and would push a $2 trillion deficit even higher, Brian Rideau, a senior economic fellow at the Manhattan Institute, told.
	The Post, referring to the already projected budget fall for 2024, Those subsidies make up just $200 billion of the $1.7 trillion handout pledged to voters.
	So, she was critiqued on many platforms about not stating her policies.
	She stated one, and it's already two.
	And it doesn't make sense.
	Yeah.
	I think personally, man, Kamala is just not for us, bro.
	Look, if you guys are watching Fresh and Fit, right, and you're thinking about voting Democrat, you guys are doing something wrong.
	Like, we teach you guys to be entrepreneurs.
	We teach you guys to have a regular job, but also do entrepreneurial ventures on the side.
	Stuff like this is going to fuck you up.
	Because here's the thing.
	You guys gotta understand, right?
	When it comes to taxes, the people that get destroyed the most when it comes to taxes are childless people that earn between, I would say, $80,000 and more.
	And why it sucks is because once you start making $80,000 more, what ends up happening is you're considered like...
	Kinda rich, where the government's like, oh, we're gonna take a bunch of money from you, so you're not making enough yet where you're actually making a fuck ton of money where you can give that money out on taxes and be like, oh man, this sucks, but whatever, it's fine, I'm still okay.
	You're just entry-level getting there.
	But you're still getting taxed like someone who makes significantly more than you because now you hit that tax bracket.
	So you're at the bottom of You're a rich poor nigga, if I'm gonna say it.
	Basically.
	Yeah, you're basically a rich poor nigga.
	So you're getting taxed like a rich dude, but you just made it.
	So now you're getting hit with the fucking high taxes that someone in your bracket is also dealing with, but they make significantly more money than you.
	And that's the thing.
	Taxes are designed to take money from the people that have high income skills that earn a lot of money, that don't have assets and don't have children.
	That's what I tell you guys.
	You need to have assets, especially if you're making quite a bit of money and you don't have kids, because the assets are going to protect you from bills like this.
	Because the thing that people don't get is when they see this stuff like, I'm going to get all this free money, woo!
	Where do you think they get that money from?
	You!
	You!
	She not paying for it.
	You're paying for it.
	I'm paying for it.
	Actually, I'm not even paying for it.
	He ain't paying for it because we don't pay taxes.
	Not no more.
	The rich don't pay taxes, guys.
	The fucking middle class pay the taxes.
	Yeah.
	You know the sad part about this?
	All the...
	I can't say this word on YouTube.
	All the N's are going to be like...
	Free money!
	Yeah, child support money!
	Oh my God!
	And it's like, wait, what's the byproduct of what you're going to do with the money?
	You know what I'm going to do?
	Buy rims, buy shoes, and maybe some hard liquor, and stay in the hood.
	And I'm just like, I'm interested to see how she's going to give them this $25,000 thing for homeowners.
	Yeah.
	How are you gonna give it to them?
	Through app?
	Through the mail?
	Who knows, bro?
	Right for fraud, just like the PPP loans?
	Bro, I just think right now where we're at in the current climate of finances, we're fucked.
	And without proper planning, like this is some bullshit by the way, we're going to go even deeper in debt.
	And can Kamala really save us?
	No, she can't.
	Maybe Trump, but not Kamala.
	Yeah, guys.
	Again, let's pull up that article again.
	This is another example of what I mean when I say that Democrats give our handouts, but they don't understand that.
	Giving those handouts means that you're going to have to take money from the very people that you're trying to get the handouts to.
	But you know what's scary, too?
	If people demand for this kind of behavior from the government, we're going to start relying on them as a source of money, and that means they have more control over us as people.
	So, all the middle-class or, like, lower-class people that want to get these financial benefits are going to say, yo, help us, government.
	We need your help.
	They're going to say, oh, bet, you need our help like this?
	Perfect.
	We'll lock you in.
	Now you're under our control.
	So, it's scary, man.
	So the CRFB estimates make it clear that the Harris agenda, like Biden's before, will be fiscally reckless and economically damaging, Adam Michael, the director of tax policy studies at the Libertarian Cato Institute, told The Post.
	Running people large checks and enforcing price controls is a recipe for expanding demand and shrinking supply, creating shortages and necessitating Yeah, and she actually did that because, if I'm not mistaken, J.D. Vance came up with a similar thing with the child tax.
	I think it was like $4,000 or $5,000.
	This is very reckless to be adding this type of debt to our only already existing mountain of debt, said Joe Griffith.
	Well, they don't care because we print the money.
	An economic research fellow at the Heritage Foundation told The Post in reference to the rising national deficit that currently sits at $34 trillion and is expected to reach $50 trillion by 2034, the nonpartisan tax foundation in an analysis was particularly troubled by the lack of detail she founded over where the funding for the handouts would come.
	It's gonna come from us, bro.
	It's gonna come from the American people.
	It's crazy, because at this point, bro, what do we even do?
	I mean, if she actually wins the election, bro, which, bro, who knows?
	Like, this is gonna fuck us up.
	I'll give her credit for trying to stop the price gouging for the grocery stores, because they are definitely gouging.
	But, I mean, the other stuff, dude, I don't know.
	It's just not gonna...
	And this is common with Democrats.
	Give out free handouts and they don't understand that.
	Giving out free handouts means you have to tax the very people you're trying to give the handouts to.
	I don't understand.
	It's like they take $100 from you and give you back $70.
	And they say, look, we're helping you.
	That's what they do.
	Right now she's in office, right?
	And Biden's policies didn't work last time.
	This is an upgrade to Biden's policies.
	Is it going to work?
	No.
	It's the same shit.
	But, you know, we're fucked, bro.
	I don't think giving money to the middle class and the poor is the way to go.
	You have to give money.
	This is going to sound like an asshole, but you've got to give money to the people that run businesses and the people that have real estate.
	Why do you do that?
	Because when you give them tax breaks and you give them money, what ends up happening is they employ more people, and then it's a top-down system where they're able to scale their business, they hire more people, they hire more people, they create more jobs.
	Then those people are able to get real money that's coming in from their job versus...
	Getting a handout one time and then spending it recklessly because the whole reason a lot of times people are in the middle class or in the lower class is because they suck with money.
	So if you give them money, their shitty spending habits are going to continue versus you give it to people that are fiscally responsible, able to start a business, people that have businesses, etc.
	They hire the people that are bad with money.
	Also, to your point, when you enable bad behavior, what happens?
	It continues or gets larger.
	Yeah.
	So all these drug addicts, all these like friggin' massive spenders that just waste money every single week on strip clubs or other miscellaneous expenses, they're gonna keep doing that because they know, oh, next month, free check.
	Yeah.
	Who cares?
	Yeah, giving the money, again, giving the money to the lower class almost never works.
	You need to give money, and this is why they get mad.
	They say, well, Republicans give money to the rich and make them richer.
	Duh.
	Yeah, but those people employ the middle class.
	Because here's the thing, it works out because with capitalism, you want to make more money.
	To make more money, you need to scale.
	To scale, what does that mean?
	You need to hire employees.
	Ding, ding, ding.
	Like, that's how it goes, right?
	You need to hire people to scale your fucking business, to scale your business to make more money.
	So capitalism has self-checks and balances in it with that.
	So that's why it works to give, because here's the thing.
	The United States, I always tell you all this, right?
	The United States is built on two main premises, two main principles.
	Small businesses, real estate, right?
	Small businesses, real estate.
	Guess what that does?
	It creates a corner, right?
	This corner right here, you guys see from my elbow?
	This is the cornerstone of the American economy.
	If you're able to create jobs and housing, you basically create an infrastructure.
	That is why they get big tax breaks.
	When they get big tax breaks, they take that money and they put it back into the market either with their business or with their real estate.
	And what does that do?
	That creates jobs and it creates housing.
	This is why people that have real estate or businesses get such big tax breaks because it keeps the economy going.
	When you destroy this cornerstone, boom, we got nothing.
	And then you go ahead and just throw money to the middle class.
	What do they do?
	They continue to have the poor spending habits that put them in the fucking lower or middle class in the first place.
	I love my parents, but they were very bad with money.
	Credit card debt, etc.
	And giving them more money, all they're going to do is take that money and pay off their debts that they got there in the first place because they didn't make enough money or they didn't have the skill set to make enough money, etc.
	And they stay where they're at.
	You need to give it to the people that are actually employing them or housing them so that they can go ahead and hire more people.
	That's how you fix shit.
	I do believe in trickle-down economics, and I'm not saying this now just because I'm a business owner or whatever, but when you look at it on a macro scale, it makes way more sense.
	Unfortunately, the population itself is not smart.
	And this is coming from a guy that came from a lower middle class background.
	I can tell you guys that people in the lower middle class, their biggest issue is they just spend money poorly.
	Credit card debt, etc., I was at AT&T for a year back in the day and I saw people there from all walks of life.
	Haitian, you know, Dominican, Jamaican, American.
	And I asked them, like, how long have you been at this company?
	Some people said five years, ten years, some said 25 years.
	I'm like, god damn.
	This guy I spoke to, though, was there for 30 years.
	And I was like, wait, how old are you?
	Oh, I'm 55.
	And I was like, wait, you spent your entire life here.
	And I don't mean to get into your business, but like, I can imagine what he's making.
	Maybe make it 20 bucks if he's lucky.
	And I'm like, damn, because I'm making $10 as a new hire, right?
	So him being there, maybe 20, 25, make it max.
	But that was a reality that I didn't want to be a part of.
	And people will stay comfortable when they're getting a paycheck.
	So imagine them getting free money like this, but they're not going nowhere.
	And what's going to happen is they're going to encourage, like I said, by behavior, continue it, and then what do we have?
	It's a study that depends on the government that wants control, and they're going to take control over us.
	Yeah, I mean, if you're giving them free money, yeah, you're right.
	I knew people that would literally purposely not work because they made more money on welfare than they did working a job.
	So why are they going to get a job?
	Or if they do get a job, it'll be under the table.
	Yeah.
	You know, some bullshit under the table that they do part-time.
	So, it is what it is, man.
	Okay, some chats, and then...
	Yeah, let's read some of these chats if you guys got questions.
	Oh, one from our sponsor?
	Our chats first.
	I'll do that.
	All right.
	We're from sponsors.
	We're from sponsors.
	Guys, get your questions in while Mo reads this.
	We'd love to answer some of your guys' questions on...
	It's a Money Monday, so Q&A. There you go.
	Get them in, guys.
	Rumble Rant them in.
	Go ahead, Mo.
	You got it.
	This episode is sponsored by Noble Gold Investments.
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	That is noblegoldinvestments.com slash fresh.
	And thank you, Noble Gold, for sponsoring this episode.
	Thank you, Mo.
	And we're back.
	We're back.
	So let's get some of these chats answered.
	Shout out to all you ninjas.
	Hey guys, could you try and get Rana's PTV for Money Monday?
	He shows people how to make $2,000 a week buying Uber and Lyft.
	I think y'all could get along great.
	That'd be dope.
	Because we never had somebody that did Uber or Lyft.
	Yeah, I don't know who that is, but...
	I'll look him up.
	You need to look him up, yeah.
	No three or four today, just boys being boys.
	Okay.
	Boys being boys.
	Fair enough.
	Seattle General Anthony here.
	Excited to announce that the Castle Club Roadman Trucking Group is now live.
	In addition to our city chapters, this group is specifically designed for anyone involved in trucking, logistics, hotshot services, or pursuing a career in transportation.
	If you're part of our local chapters, reach out to your city general and join the Telegram chat.
	If you're not Yeah, I'm part of the Cals Club.
	What are you waiting for?
	And then boom.
	Cals Club Roadman.
	There you go, guys.
	Look, they got the graphic and everything, man.
	We're teaching guys how to make money out here, man.
	Roadman.
	I like that.
	WCals Club, Alexia says, met up with a fellow Cals Club member.
	Got the deluxe interior detail for his truck.
	Chatted up for a bit.
	It's a huge breath of fresh air to meet some more like-minded people.
	It's awesome to the people who are thinking about joining, especially for like-minded people.
	Joining is a must.
	WCals Club Network and WFNF WCals Club.
	Let's go.
	There you go, man.
	Guys are meeting, making money, doing business, deals, etc.
	WFNF, by the way, sorry for not responding when it was my turn on Friday's call-in show.
	I ended up dozing off.
	It's a snooze of accident.
	Your boy has been working as hard as he can at the new job.
	Just wanted to let you know that I got approved for my second credit card today, Discover.
	Good stuff to you.
	I now got two credit cards, and it's all thanks to you guys for the Mondays and the value you guys bring.
	WFNF, WCals Club.
	Shout-out to you, Jalil.
	Let's go, Jalil, bro.
	Killing it.
	What's good afternoon?
	I've just joined Castle Club as a 19-year-old.
	I'm trying to become better.
	I'm only making 65k a year and I know I'm going to be doing better.
	You got to change the mindset.
	Appreciate y'all.
	At 19?
	That's pretty good, bro.
	That's pretty good at 19.
	So keep grinding, man.
	Pick up another job if you can.
	Time in the market beats timing the market.
	The best time to invest was yesterday and the second best time to invest is today.
	Waiting for the market rates to cool down is not really a solution.
	As when it does, prices may increase due to demand and current owners will benefit from it as they can refinance.
	WNF for the advice is absolutely nice to be very nicely, succinctly put up.
	That's so true.
	A bit of Ninja Watcher, but now I'm here.
	Just so you guys know, by the way, we read the Castle Club chats and you're able to donate a fraction of what you need to donate to get your chat read.
	So guys, join Castle Club, man.
	Join the Castle Club Brotherhood so you can go ahead and, you know, we read those chats first.
	You don't have to donate as much.
	And you get involved in the community, man.
	I think the biggest thing is you get priority, one.
	But two, the brother you can't be, bro.
	Like, people are like, you can't find anywhere.
	But they're here in Castle Club for you.
	So it's like, yo, why not join?
	Yeah.
	Actually, we got a Castle Club OG right now in here with us.
	Jacob, shout out to him.
	Jacob!
	He won the raffle, actually.
	I don't know if you want to make a camera, but...
	He's here.
	He said he's in.
	He's chilling.
	What else do we got here?
	Been a Ninja Watcher, but now I'm here.
	Could you guys talk about OR? Bring in someone who talks about the Section 8 real estate.
	Thanks for fighting the fight.
	We can.
	I'm not a fan of it, but we could bring people in that do it.
	I've done it before.
	I actually do have a few Section 8 tenants myself, but I would avoid it if I could have.
	Hey, I'm trying to join the...
	Because when I bought the houses, some of them were already in place.
	Okay, okay.
	Hey, I'm trying to join the Telegram and the Discord now, but no idea.
	Message Big Mo on Saturday, but still waiting for the join either or.
	When are you going to do Zoom calls again?
	Mo, go ahead.
	Can you answer that?
	I know that name.
	Check your DM. I just messaged you today.
	Neil Iman, there should be a chat with Dale Saint and Jocasta.
	If not, then just keep bumping them up.
	Yeah, I got you.
	We'll have a Zoom call this week.
	We had one last week, but we're going to have another one this week.
	Yo, Ryan, how much money would I need to save up to move to Miami?
	A lot, bro.
	To get an apartment, you're going to need to move it to an apartment here in Miami?
	You're gonna need like 10,000.
	Listen, this is what you want.
	Because they're gonna want first month, they're gonna want first, last, and a deposit.
	I got them.
	You want to be in Florida that bad?
	This is what you do.
	You get a studio...
	Yeah, I am in this DM!...room.
	You get there, see your room.
	Mo messaged you back, bro.
	Check your shit, man.
	Bro, check your shit.
	It's maybe 600 bucks.
	400 to 600 bucks, you can pay to get a room.
	Live in that room.
	Work two jobs.
	Work your ass off.
	Where are they gonna find it, though?
	Up north.
	Pines, Miramar.
	Oh, okay, okay.
	At least you're in Florida, right?
	Okay.
	You can come down to Miami, just drive down.
	It's a 30-minute drive, right?
	Then, once you're doing those two jobs, saving money up, you have an actual base.
	Then you get a better job, and you just move on from there.
	But coming straight to Brickell to pay the high price is gonna be tough, bro.
	I mean, if you got the money, I'd say easily 10 to 15k is gonna need.
	Minimum.
	Because they're gonna want first month, last month, they're gonna want pay stubs, they're gonna do a background check on you.
	All the buildings here in Brickell, just so you know, do pretty strict background checks.
	Especially now.
	Actually, 15 to 20k.
	Because you know why?
	Why?
	Cost of living.
	Well, I'm just saying what he needs to get into the apartment and get keys.
	That's all.
	I'm saying 10 to 15.
	Oh.
	Just to get keys.
	Oh.
	I'm not talking about furniture or living expenses.
	No, no, no.
	I'm just talking about him being able to get it.
	Yeah.
	And also, if I was someone young coming to Florida first time...
	What's the median rent here for one bedroom?
	2K? No.
	Yeah.
	More.
	25 to 3.
	You know what?
	For a one bedroom here.
	I'm thinking like downtown Edgewater.
	So yeah, Brickle itself.
	You're going to need 25 to 3 is going to be a one bedroom here, a studio, even.
	And also get it furnished.
	You still have a lot of money doing that.
	Yeah, I would say get it furnished.
	Get it furnished, bro.
	I'd say get it furnished, bro.
	Fuck that.
	To me, buying furniture nowadays is kind of like, bro, where are you going to put it, bro?
	You're moving all the time.
	You're renting.
	It's annoying to move.
	Yeah, hell yeah.
	I always get furnished, too.
	Buy TV that much, but that's the basics, bro.
	Yeah.
	That's it.
	But yeah, you're gonna need...
	And you're gonna show your income as well.
	So, keep that in mind.
	Durag Myron said...
	Hello Akbar.
	Habibi!
	WFNF. Fresh updates, shout out to you.
	Double D5000 says...
	Nah, bro.
	Bro, like...
	Bro.
	Weirdos, bro.
	Haters are gonna hate, man.
	Yep.
	BZ Dan says, do my part.
	When all you do is make content, talk a shit about other people, bro, like...
	Yeah.
	I deems I see a link of one of them...
	Oh, I know.
	No, no, no.
	Fresh, we actually already talked about it.
	Oh, we got it?
	Me and Fresh was on it.
	Oh, yeah.
	Oh, people stealing Cows Club stuff?
	Yeah, you guys are gonna lose your channels.
	This is what's gonna happen.
	Like, I don't know why people think it's a game.
	Well, they'll find out.
	Jacob!
	Wait, Jacob!
	Wait, hold on, Jacob!
	Grimscore doesn't only reflect their ability to make money, but it also shows if they have their priorities and check shots, FNF's hospitality.
	We got you, bro.
	Happy to have you here, Jacob.
	What's up, Mario?
	28, working law enforcement.
	I worked on my first property last month.
	Looking to purchase another spring.
	I want to thank UNFNF. Shout out to you, Easy Money Sniper.
	Congratulations to you, by the way.
	Shout out to our blue.
	You should do a real estate episode where you go to Zillow to look at the housing market at every major state, cities, good place to buy, where to not buy, upcoming trends in the housing market, et cetera, so people get a visual representation.
	Mark Q. You know what we could do?
	You guys that are trying to buy houses in...
	And Castle Club, we should go over the deal together on Castle Club.
	Oh, we should actually.
	Yeah.
	That's a good idea.
	For some of you guys.
	And I could do the breakdown with y'all and tell you if it's a good deal or not.
	Also, minor fresh, remember the guy at the app party that gifted you guys some shades?
	That was my boy Julian.
	Yes, we know.
	Met him in person off of Castle Club in Dearborn from the second to last Zoom call and last show.
	And he has been tremendous value and instant brother from day one since my move to Dearborn, Michigan.
	Julian, if you are watching this, shout out to you.
	Much love to you, bro.
	And for all the brokies that talk shit about Castle Club, stay your parasitic asses over there.
	Nothing but tremendous value and brotherhood.
	Shout out to you, Jalil.
	Shout out to you.
	Yeah, you know, like, bro, like...
	I'll tell you this.
	This Cats Club situation made me realize how many people really are weird and just want to watch girls on OnlyFans.
	Some of y'all are bitching about, oh, bro, you guys are over here putting a paywall, L paywall for the girls show.
	And it's like, wait, the shows where we teach you guys how to make money are completely free and I don't see nobody bitching about that.
	We put that behind a paywall.
	Y'all wouldn't care.
	Everyone that worked Money Mondays and applied it and is making money now isn't complaining.
	People that just watched it and said, uh, or didn't watch it at all said, where's the girls at?
	Where the hoes at?
	Where you at now?
	Sad and down.
	So, you can stay over there, too.
	It's fine.
	Bro, fucking weird hoes, man.
	Yeah.
	I mean, if you really want hoes, bro, what should you do first?
	Get the money.
	Understanding.
	And then apply it.
	But if you want to get hoes now, being broke and dumb, then...
	I mean, I can't help you, bro.
	Can't help you at all.
	And buying agricultural land of places like the African countries where there is no...
	Nigga always has to bring it to random shit.
	I'm not talking about Africa, bro.
	Fuck, man.
	Twist the name on, bro.
	What's wrong with you, bro?
	And the population is growing exponentially, and the land has been a very secure investment.
	All right, bro, go invest in Africa.
	I'm talking about the United States.
	Niggas, but I'm going to Columbia.
	Yeah, niggas always, like, bring up random shit.
	Go ahead, dad, bro.
	I don't know Columbia's market.
	You still like Chipotle after they started messing with the portion sizes?
	They didn't mess with a year.
	Facts, fresh on the cars.
	I got a 15-year BMW with less than 100k miles on it.
	When my dad helped me to check it out, saw Prestige with the car with the girls and I didn't pay much for it.
	I'm telling you, bro.
	Listen, I love cars to an extent where we're like, you can't believe.
	And I spent over...
	So he's a W investing in mud huts.
	Oh my god.
	Hey man, Africa has a lot of rich wealth people as well.
	So you'd be surprised.
	Rich resources.
	Yeah, as well.
	Yeah.
	But yeah, cars, man, is a love of mine, but it's expensive.
	Nobody says, why does Jacob look like he should be in handcuffs going back to the southern border?
	Oh my God.
	What the fuck?
	He can see you?
	He can see you, bro?
	Brace yourself, nigga.
	I'm calling ICE on you right to Myron's place.
	The whole thing was set up to deport you.
	Remember the Castle Club, everyone knows each other.
	Yeah, yeah, yeah.
	They know Jacob.
	After the ad read, there's a new member of the Speech Empediment Committee, Big Mo.
	Let's get it together.
	I was nervous.
	That was my fault.
	It was my fault.
	It was good, gents.
	Are you aware of the new FTC rule banning most non-competent agreements is not scheduled to go into effect until September 4th, 2024?
	No.
	Damn.
	Hey, minor fresh.
	I love you guys.
	No homo.
	Any chance that you can bring programmers or people that know how to handle social media pages, chatbots, or how to make professional websites?
	Damn.
	That's a pretty good idea.
	We could.
	Mallowboy.
	Anybody else?
	Is it?
	FNF. Oh, okay.
	You guys get your questions in and then we're going to close this thing out.
	And I love answering these questions with you guys.
	Nav.
	Nav says, Myron, what's your average X screen time?
	Just curious.
	Let me see here.
	Oh, that's scary, bro.
	How do you even check it?
	25 hours a day.
	Yo, bro, I kid you not.
	26 hours a day.
	Yo, Mo, Bill's, Noble.
	He went from...
	I don't even know how to check it.
	Overwatch...
	To X. To X time.
	I guarantee you it's even more.
	Because it's less stressful, and you can just talk your shit on there all day, bro.
	I don't even know how to check your screen time.
	I don't even check your screen time.
	Actually, I saw my screen time.
	Here it is.
	It's over 9,000!
	It's a lot.
	It's a lot.
	I can't imagine.
	Red eyes, nigga, dragon.
	You guys are funny.
	Bro, I slept twice and Myron was still on the same space, bro.
	Yo, I pop in anonymously sometimes, and I'm like, you think you're still talking?
	I'm out of here, man.
	Sometimes, I'll be honest with you, a lot of times I just host it.
	So for example, they were doing a space yesterday, and Destiny was in there, and they were debating certain things, extradition, for a certain nation state, if you guys know what I'm talking about.
	So I was like, you know what, I'm not going to ruin this conversation, I'll let y'all talk, and I just literally streamed FedReacts.
	While you listen to it?
	No, I didn't listen to it.
	I just put my phone on the side, let them do it.
	While playing sound voice?
	Because if I end the space, then they can't talk.
	So I was just sitting there.
	I mute my mic and I just let it sit there.
	I put my phone away and I'm streaming.
	So I do that a lot where I'll host a space and I won't even be there for a long time of it.
	And they'll just be in there talking.
	Okay.
	So, whatever.
	Red Eyes, Naked Dragon.
	Imagine how much housing prices would go down if these corporations realized that we don't need offices working and renovated all the offices into residential units.
	Also, when is Sneak Odia, the lazy one, coming on Monday news show?
	Oh, they're calling Sneako the lazy one?
	Sneak Odia.
	Sneak Odia.
	How's he the lazy one, bro?
	He's been streaming a lot, right?
	Yeah, he's been streaming.
	He's been traveling.
	Traveling all over the world, bro.
	All over Europe in his head.
	Yeah, bro.
	Yeah.
	I'm making 70k a year.
	I'm 23 with 750 credit score.
	Should I save up 20 or 30% before buying my first house?
	Neither, bro.
	Just go ahead and get in there on FHA if you can.
	3%, bro.
	Unless you really want to put 20-30% down and have more equity, but that's up to you.
	Exception to the rules.
	I'm letting Cash Club members copy my Forex account for free just to pay the copier service because I don't want access to anyone's money or passwords.
	I make 5% a week on balance.
	Entry-level passive income if you're printing money.
	Trading-wise, sell courses.
	Alright.
	That's nice of you, bro.
	That's real nice of you, man.
	Shit, okay.
	Cartier J. He's letting them copy his trades just so they can make money.
	There you go.
	And the Cals Club.
	Shout out to you, bro.
	Yeah, that's hard.
	Hey, bros.
	Love the content.
	Quick question, though.
	I have almost 10K saved up, 3K business saved, and 753 experience...
	Oh, sorry.
	Equifax and Experian credit score.
	Looking to buy my first home, FHA. Multifamily in South Florida.
	Close to Miami this year.
	Any major tips to get a good deal?
	You're a 10K. You don't got shit, bro.
	For a multifamily in South Florida, you need way more than that.
	Way more than that, bro.
	I would say get $20,000 to $30,000 minimum.
	He's going to need more than that.
	He wants a multifamily.
	That means this is going to cost him at least...
	Multi?
	Bro, put it this way.
	I bought a duplex two years ago.
	Just to put things in perspective.
	I bought a duplex two years ago in Miami for $800,000.
	Yeah.
	Goddamn.
	Goddamn.
	I mean...
	Location.
	Three-bedroom, three-bath each side, of course, so it was a good deal.
	Okay.
	But, you're gonna need 500k.
	Bare minimum.
	How much are you gonna say that?
	No, I said 500k.
	I said it's gonna cost you 500k.
	How much should he have built up then?
	If he's gonna live in it, he can only put 3.5% down.
	I'll say have 50.
	Okay.
	Have 50.
	If you're gonna put the 3.5% down.
	Because you're going to need to, you're probably going to have to go in there and fix it.
	See, I'm thinking about when I bought property, so you're right.
	That was three years ago.
	So, yeah, you're right, actually.
	Yeah.
	Damn.
	Okay, that's it.
	Hold on, now we got one last ad from Mo.
	All right.
	Yes, sir.
	Message from a sponsor, get your chats in, guys, and we'll close this out.
	All right.
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	And thank you to the Kids Guide for sponsoring this episode.
	W Trump, man.
	Vote Trump, guys.
	Facts.
	Anything else?
	That is it.
	All right, guys.
	It's 937.
	We're going to reset up and we're going to do FNF News.
	We're going to cover a bunch of different stories that are trending.
	I hope you guys learned something today as far as the markets go.
	Takeaways is this, guys.
	Don't get scared of real estate, even though interest rates are high right now.
	Buy now.
	Still buy.
	Find off-market deals.
	If you have the cash and capital to buy cash, go ahead and do that.
	The other thing you can do, guys, with high rates like this is do homeowner financing.
	Basically where the person that's selling you the house becomes a bank.
	Owner financing.
	That's another way to get around these banks.
	They can give you a better interest rate.
	And then you can buy the house from them at what they want, at the rate that they want, or the price point that they want, because they're financing it to you.
	So that's another thing that you can do.
	So don't be scared, guys.
	Get into real estate because they're putting these stupid-ass articles out there, but BlackRock is still buying.
	So you got to do what BlackRock is doing.
	They're one of the best investment companies.
	They are for a reason.
	They're buying single-family homes.
	Next, don't buy a car.
	What else?
	We have one more chat here.
	Another chat came in?
	Oh, okay.
	Got you.
	Castle Club.
	Castle Club members.
	Okay.
	A bunch.
	What else did I miss?
	Okay.
	Oh.
	Oh.
	Yeah, we're caught up.
	Yeah, we're caught up.
	Hold on.
	You know what?
	We forgot to mention as well.
	Guys, if you send in like a $1 Super Chat on Cast Club, we'll show it right on screen.
	But sometimes we might not read it because it's just a dollar.
	Kamala's policy.
	On the Kamala's policy, it's cap.
	Yes, cap.
	Don't fall for it, guys.
	Yeah, so these are some of the chats that came on before.
	So, um...
	Hey, hey, don't read that one now.
	We're not reading the dollars.
	We're not reading the dollars, Mo.
	I mean, mine.
	Yeah, these are all for a dollar?
	Yes.
	Okay.
	Sort of top shit, man.
	This one's ten.
	You can read this one.
	Okay.
	Icy side tooth.
	This one's ten.
	I'll read it real quick.
	Mario Jacob looking to steal all the tortillas out your fridge.
	Keep your eyes on that sticky Casabira fingered beaner.
	Okay.
	What the heck?
	That's fucked up, icy side tooth.
	Goddamn!
	Yeah, guys.
	We'll...
	Definitely, like I said before, we'll show them on screen, right?
	But if you guys want your chats read, what's the minimum?
	To have it read on air every time.
	It was always different.
	Sometimes I'll make a deal with you guys if you really want.
	But the best...
	Five bucks.
	We'll read on air.
	Ten dollars is the most guaranteed.
	Yeah.
	Okay.
	Yeah.
	Ten bucks, no matter what, is going to get read.
	Five bucks, guys, is going to get read.
	But ten is guaranteed.
	Five, it will more, like, 90% be read depending on how many people are watching.
	And then one dollar, like, we'll show it on screen and stuff like that.
	But, you know...
	I constantly, if you're in the locals chat, the Castle Club chat, I constantly give you guys reminders.
	You guys know too!
	You guys be knowing!
	And we try to actually read the $1 ones.
	You guys can see we read the $1 ones that came in early.
	So you guys want to send $1 chats?
	Make sure you read them early.
	The problem is time.
	Because it's 9.40.
	We got it.
	Yeah, guys.
	We literally got it set up for the next show.
	So it's 9.40 right now.
	So we're going to go ahead and end this and then reset up for the stuff because we're going to get with Noble.
	Make sure we got the news stories ready to go and set everything up.
	Love you guys.
	We'll be back in about 20, 30 minutes.
	Peace.
	Peace.

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