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Oct. 28, 2024 - Fresh & Fit
01:10:00
5 Money Mistakes People Make That Block Their Success
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Time Text
Thank you.
And we are live.
What's up, guys?
Welcome to Freshman Podcast of Money Monday, man.
We got some things to talk about.
Let's get into it, guys.
Let's go.
for Halloween.
I know what I'm going to be.
No Diddy.
But real quick guys in the studio, what are you going to be Bills for Halloween?
Go Bills.
Do you know?
No clue.
You could be a rapper, bro.
No.
Okay, you could be Freddy Wap.
Just shut one eye, bro.
Yeah, you know what?
You could be Freddy Wap.
Yeah, it's funny.
You know what?
Give me an idea.
Moe, what's your costume?
What should you do?
The vampire?
Just let him find out on Wednesday, bro.
Okay, okay, okay.
Guys, give us some ideas, man, in the chat, what we should be for Halloween.
And are you going to be Osama?
I'd get banned if we did that.
I did want to do that.
Yeah, you're right.
Yeah, yeah, yeah.
That'd be too accurate.
Yeah, probably.
You saw what happened with Sneeko, so he'll get all offended, probably.
Holy, that'd be terrible.
Yeah.
Wish him the best, though.
But anyway, Money Mondays, man.
Yeah, that was bullshit.
Dude, everywhere.
That's kind of crazy, like, back-to-back.
It's like, yo, you know what?
Sneeko's on a block list.
Get him out of here.
Kind of crazy.
Oh, mine should be Goku Black.
Goku Black?
Yeah.
The evil Goku?
Oh, well, I don't know, man.
Dragon Ball Super.
Yeah, I know, I know, I know.
I know from Dragon Ball Super.
He likes Vegito, bro.
Why would he be...
Yeah, he likes Vegito.
So, uh...
Basically.
So anyway, yeah, guys, welcome to today's episode of Money Monday.
Sorry for the later start.
You know, we're getting some things set up behind the scenes, and...
I had a late night.
I didn't wake up too long ago, man.
I was freaking...
I had a late night.
I did like a six or seven hour stream yesterday.
That reacts to?
Yeah.
The video's down on YouTube, guys, because for some odd reason, when I played a portion of A-Ha, I didn't play the music video.
I didn't play like the music.
I only just played...
Take On Me?
Huh?
Take On Me?
Like the song Take On Me?
Uh-huh?
Like...
No, no, no.
Little Dierks.
Oh, Little Dierks.
Uh-huh.
Yeah.
Because I played the video.
But I didn't play the actual song.
I had it muted while I was in the background.
Because I was trying to find...
Apparently there was someone in the music video that had been involved in a murder for hire prior...
To what happened so I was trying to find them in the music video and Like YouTube took the video down, so it's up on rumble It's actually up on our fresh to fit page.
I don't our YouTube guy like our manager He messed up you put it on the fresh to fit rumble page instead of the Fed reacts.
Okay But it's fine.
You guys can still go get it there.
So if you guys want to go see FedReacts yesterday where I covered it, it was with academics too.
We talked about the Dirk thing.
I went into very great detail.
I read all the documents.
I read the indictment and I also read the criminal complaint on the Dirk case.
And then me and academics talked about it.
It's all there on Rumble.
It's like 6 or 7 hour stream.
And it's also on Castle Club as well.
Castleclub.tv guys.
And we also reacted to a certain band documentary as well for a bit.
And major labels.
That's why you got...
I think that's why too.
I think it was UMG that sent me something.
Because he's under Interscope and Def Jam.
Those are like huge mainstream.
They're very quick.
All those mainstream labels are very quick.
So I appealed it.
Hopefully it'll be back up today or tomorrow, but if you guys want to watch it now, it's on Rumble.
So go ahead and check it out on Rumble, guys.
Rumble.com slash Fresh and Fit.
It's actually on the Fresh and Fit one, so it should be easy for you guys to find.
I see Cal's Club's already getting our costumes ready for us.
These guys are funny, man.
Yo, Fresh Mr.
Popo, Mo Falbert, Myron Painter, oh god, Chris, homeless nigga, the nigga from iCarly.
Who's that?
Wait, he has dreads?
Uh, yeah.
I forgot his name.
Not Leon Thomas.
Anyhow, it's fine.
Listen, it's Money Mondays, man.
Money talk today.
It is.
For you guys, you can learn some advice from us and our past mistakes as well.
And this is what happens, today's topic is going to be five mistakes you can make to destroy your success on the road to, also on your journey.
So, we can start with number one.
This one's pretty basic.
But, escaping your reality, right?
What does that mean?
It means you try to get through with drinks, drugs, and also activities to either escape your current lifestyle or the issues you have in life.
Which could mean it's just you trying to escape, like...
You choose at home or maybe with your girlfriend.
Whatever that may be, you use drugs and alcohol to kind of escape it.
So, for example, you finish work, you go to your happy hour bar, you drink some more with your friends at a pub, and then from there, you drink some more before you go to sleep.
And you kind of forget what happened that day and reset.
So, if you do the math, right?
Let's say you do, I don't know, you do weed, you do alcohol, you You might do a little other stuff too as well.
But let's say money-wise, right?
Let's talk money.
You buy weed every month.
You buy drinks every month, right?
One drink, especially in Miami, is like $20.
Maybe $10 in your area, wherever you're at.
But you add that up over a period of time.
Let's say just being fair, you get weed and alcohol, right?
Let's say for a month, doing the math here, let's say you buy like what?
A quarter?
Is that how that works?
A quarter?
Is that how it works?
I don't know.
Let's say a quarter, right?
That's probably what?
120?
200?
And you add in alcohol weekly?
So you're both probably going to be around like 5 to 1k.
Minimum.
Now, mind you, if you're on your way up, getting yourself in order, you're working a regular job, let's say you're making like $2,000, $3,000.
That's already like a third year income gone on just luxuries that take away from your success and your mental clarity.
So over time, you're spending money on drugs and liquor.
It's going to add up, bro.
And then, to add to that, your productivity is going to go down because you're not going to be thinking clear.
You're going to be either high or messed up or even hangover.
And then, at that point, you can't even think clearly to make moves for yourself.
So I think...
This is going to need a lot of things where you can think for clarity, and if it's going to be drugs or alcohol, don't do it, guys.
Big mistake.
Yeah, man.
I've harped on this before.
I'll harp on it again.
If you're smoking weed, drinking alcohol, doing hard drugs, even recreational drugs at the club every couple of weeks, it really isn't worth it, man.
It's a complete L. Absolutely, it's a complete L. Now, I know what some people do is like, oh, well, I drink.
It's nothing too crazy.
I drink every now and then.
Look, man, if you really want to become the best version of yourself, you need to abstain from alcohol for long periods of time.
I'm talking at least six months at a time, right?
Because the thing with getting your stuff together is it's kind of like momentum-based.
And when I mean momentum-based, I mean as in you need to be doing the right things over and over again.
For a good amount of time for things to actually change.
It's not just, oh yeah, I'm gonna do one day where I'm super productive.
No, you gotta be super productive for multiple days in a row, multiple weeks in a row, multiple months in a row, and then that will actually lead to some verifiable change.
But if you're just like, oh yeah, I'm gonna work really hard Monday through Friday, and then Saturday, Sunday comes around, and I drink, and I get super fucking wasted, then I start back up on Monday.
Well, you just wasted an entire week of being productive.
One day of drinking can easily undo a week or two of training really hard in the gym or going hard with your diet or whatever else it is.
So you need to actually make that change and stick to it for a significant amount of time.
You gotta be super consistent for a long period of time to actually see any real change.
So, booze, drugs, etc.
It's not worth it.
And the other thing too, guys, right?
I'm just gonna say it.
You guys are men.
You guys are not, you know, pretty girls where you can go ahead and coast on your looks and just kind of get invited to a party here or get certain opportunities given to you there because of the way that you look or that you have a set of boobs.
It's not gonna happen for you.
You have to fight for every single scrap that you get as a guy.
The worst thing you can do is put yourself in a situation where you have a disadvantage for no fucking reason.
You're handicapping yourself for no reason in life, right?
If I told a girl, right, hey look, we're inviting you to this party, Drake and Future and a bunch of other A-list celebrities, Leonardo DiCaprio, you know, etc., they're all going to be there, right?
You think that girl's gonna show up in sweatpants and not showered and her hair all fucked up?
No!
What's she gonna do?
She's gonna show up in her best dress, makeup, hair done, etc.
She's gonna look the best that she can.
Why?
Because she knows that I'm gonna be in an environment, in a sexual marketplace where there's higher status men, there's a lot of attractive girls, and I need to be able to compete.
Guys, by you sitting there and saying, oh yeah, I'm gonna go ahead and smoke weed and do drugs, that's equivalent to a girl showing up to a party like that with sweatpants, fucked up hair, stinking, didn't shower, none of that stuff.
Like, you're putting yourself at a disadvantage for no fucking reason.
And here's the difference.
You have way higher stakes than meeting Leonardo DiCaprio.
You have way higher stakes because you need to become successful as a man.
As a man, it's non-negotiable, right?
Girls can kind of get by, you know, look, I want to find a guy that will take care of me, whatever.
Fine, they can do that.
They get that privilege.
You fucking don't.
So it's literally do or die.
And this is just about finding a girl.
This is about finding a job.
This is about getting a career.
This is about making an income.
This is about being able to have enough money so you can take care of a family in the future.
Like, you, if you fuck up Your life with drugs and alcohol, it's going to have long-term negative ramifications on the rest of your life.
You can't get bailed out by somebody later as a dude.
Just not going to happen, right?
So why the hell are you going to handicap yourself when you don't need to?
Absolutely ridiculous.
Well said.
Speaking of girls though, so I mentioned before it's drinks and weed, right?
But that's only for you.
If you're adding girls now, for example, you're going on a date with a chick, you're buying alcohol for you and for her.
That does add up.
So someone mentioned in the chat, okay, fresh, you don't know the price of quarters.
Okay, whoopsie-doo, I don't buy like that.
So granted though...
I looked it up.
It says a quarter of weed is $50 to $100.
So it is still pretty close to $120 anyway.
So you do that, plus buying for a girl as well, or buying even for your friends at the bar, it does add up significantly to your income.
So imagine, right, you're making $2 to $3K a month.
That right there is $1K gone completely.
And you don't get it back.
Start the show.
This dumbass right here, Mushroom11g goes, Elon Musk and Joe Rogan smoke weed, Obama McGregor, etc.
Plenty of successful people smoke weed.
See, this is what idiots like you say to cope for the fact that you're a fucking moron, right?
When you're building something up, the last thing you can afford to have is distractions or things that are gonna inhibit you from getting to where you need to go, okay?
You're talking about people that have already fucking made it.
Once you make it, you want to have some fucking weed and smoking on a show to look cool or whatever?
That's one thing.
But I guarantee you, when you're building up, etc., you will get to your goal way faster if you don't have distractions.
And this is typically what a lot of losers tell me all the time.
Oh, well, XYZ smokes weed.
This person does this.
Bro, you're not them.
Clearly, you're not fucking them.
You're not a rapper.
Okay?
You're not them.
So shut the fuck up when you say this stupid shit.
It's amazing to me how people will sit there and cope and find some type of excuse or reason to continue doing their bad behavior.
Well, that person's fat and they become successful.
Well, this person smokes cigarettes and they became successful.
This person did that.
That's not you, bitch!
It's not you!
Alright?
This Mushroom 11G idiot on Rumble.
Like, oh, bro, a million successful people smoke weed.
That's not you, though.
You're in a fucking rumble chat named Mushroom Nigga talking shit.
Shut the fuck up.
Hey, man.
You want to go ahead and name anomalies, etc., as if they were smoking weed the whole way on their trajectory of success.
They started doing the drugs once they made it to the success.
Exactly.
People talk all the time, well, Mike Tyson smokes weed.
Mike Tyson does drugs.
Yeah, that was after he became successful.
His career's over.
Stupid.
And guess what it did?
It fucked his career up.
He started doing cocaine, doing threesomes, getting involved with women, all this other shit.
Fucked his career up.
He didn't do it before.
Before though, he didn't do it on the way up at all.
You can't afford to have distractions on the way up.
But idiots always want to find an excuse or a reason to be a degenerative piece of fucking shit every single time.
Well, you know, if I drink wine, it's actually good for the heart.
No, it's not!
Shut up!
Dudes are always trying to find a way to be a lazy piece of shit and find a way to have an excuse to participate in their fucking vices.
You know what's the funniest point?
He's not like gambling every now and then.
He's actually good for the brain and cognitive function.
Shut the fuck up, man!
All you guys do is sit there and cry and complain about why you're not successful, and then I go ahead and figure out why you're not successful.
It's because you do stupid shit like that that distracts you.
You're not Mike Tyson.
You're not Joe Rogan.
You're not Elon Musk.
You're some nigga named Mushroom in a fucking Rumble Chat watching a Fresh Fit podcast.
Shut the fuck up!
Holy shit.
It's amazing to me.
You guys will work harder to be a lazy piece of fucking shit than abstaining from the very activity that puts you in the negative predicament that you're fucking in, you stupid fuck.
Incredible.
Incredible to fucking cope and the excuses people will make to stay a degenerative fucking scumbag.
Go ahead.
Now, the funny one that people mention is Kanye West.
He's doing helium.
He's doing the gas.
So it must be good.
His brain is fried, bro.
His brain is literally fried from doing that shit.
And he did it after his career is over.
So it's like, bro, like, come on, man.
Anyhow, that excuse to say other people do it doesn't work for you.
You're not where you want to be yet.
So obviously speaking, does it make sense?
No.
A mushroom, you thought it was much in the chat, bro.
You must be broke.
Anyhow, the point is...
I'm successful in the chat.
I'm sure you are, bro.
And look, bro, it doesn't matter if you are and you smoke weed.
The majority of guys aren't gonna fucking get there from smoking weed, bro.
Yeah.
Like, just because it works for you doesn't mean it's gonna work for other people.
For example, I no longer track my calories, right?
Because I know what the hell I'm eating.
But I still suggest to people that are getting into it, you need to track your fucking calories.
Right?
Because I understand that I'm in a position where I've done it for a while.
I understand how many calories is in food, how many grams of protein, etc.
I know what I'm doing.
But again, I would never tell people to, oh yeah, just eyeball it.
No, because I know for the general masses, you need to give it to them nice and simple.
Fuck your track of calories.
Incredible, bro.
Show the MLD, man.
Yo, I just find it funny that...
The ability to lock in is a rare skill that few people have locking in, boys.
Absolutely, bro.
Absolutely.
And you think you're going to be able to lock it in when you're smoking weed because Elon Musk does it?
Also, bro, Elon Musk is fat and out of shape.
Shut the fuck up.
Nobody wants to look like Elon Musk, bro.
And he has some tics too.
You know what I mean?
Shut up!
Do you want to fucking hop around when Donald Trump is talking and then you can see your fucking belly hanging out?
Nobody wants to look like that!
Maybe he does.
We'll give him that.
Maybe he does.
Okay.
Number two.
Because this guy thinks he's...
Dudes will fight tooth and nail to stay fucking degenerative losers, bro.
You guys will...
You motherfuckers will sit there and fight me so you can eat cake and drink wine and drink booze.
Instead of going to the gym.
If you're wrong, you're wrong.
Okay, number two.
Getting into a relationship with a girl way too early.
Now, typically, you want to find a girlfriend, a wife that you love and adore, and that you care for.
However, nowadays, modern society, women are more focused on what they can take from you.
Not all, of course, but a majority are focused on what you can give to them or bring to the table.
Which means you need to come to them with some value up front.
So, as a man, if you're working on your success and your journey to go all the way up, you're not there yet.
Or you're getting there, but you're not fully where you need to be.
Which means, if you get a girlfriend, you gotta pay maybe for her hair, her nails, outings, dates, travel.
The money should be spent towards your future and skills.
So imagine a world where you spend, I want to say, a third or half your income with your girl doing activities, taking her out.
That's money you could have spent learning a skill, learning a trade, even learning from a mentor in a space you want to learn in.
And that money would have been better spent there than on your girlfriend.
Because I'll tell you this.
More often than not, she'll get bored.
She'll say, you know what?
I could do better.
Instagram, TikTok.
Her friends are like, oh, why are you with this guy?
Come out with us.
Let's party.
And before you know it, you spend all the money and time, and she's gone.
Versus, you get the skill, trade, the success in that endeavor that you want to do, aka real estate, aka e-commerce, whatever that may be.
That goes a long way to your future and it stays with you.
So money-wise, I just think if you're going to pick a girl for a relationship, she can't ever take from you in that sense where it's going to hurt your ability to invest in yourself or your future.
And more often than not, girls are going to take from you no matter what you do.
So I would say just to prepare yourself as a young guy coming up, Avoid relationships with girls, especially when you don't have what you need to have with the value up front, which is the ability to provide and pay for yourself and others.
Don't even think about girls at this point.
It's a bad trap and a big mistake.
Yeah, and guys, FNFSuperChat.com, if you guys got questions, we'll have like a short Q&A also.
You can do, you can super chat there, Castle Club, or you can do a Rumble Rant if you want.
Oh, one more thing.
Yeah.
I've had friends in school, right?
And mind you, I was not the best looking guy in school.
Go figure.
And I didn't have any girlfriends, right?
But!
They had girlfriends.
They had like, you know, the hottest girl in cheerleading, whatever.
And doing volleyball, whatever.
And I'm like, alright, cool.
You know what I'm saying?
I'm just gonna stick to myself and play my video games and do what I gotta do.
I kid you not.
Most of them don't have kids.
They're still broke, working at a supermarket, and they're like, yo, bro, how'd you do it?
Well, for one, I didn't have kids that early.
And two, I didn't choose to be with, no offense to these hoes, running around with a hoe, wasting money that I didn't even have.
So I would just say, like...
If you see your friends doing it, guys, I'm telling you, don't fall for the hype.
It is not what it's all cracked up to be because I'll tell you this, bro.
Having kids early or getting trapped in our relationship early will fuck you up 100%, bro.
I got friends that legit would have been freaking doctors, lawyers, would have been successful, but one girl they stuck with for years that just left them after a while anyway...
It's over.
Like, you're already 30 years old now, bro.
Like, what are you gonna do now?
So, you should start smart and think about this in a way where you can win and not lose.
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There you go.
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What else do we got here?
Over on number two, how if you get into a relationship too early, you could destroy your future.
We got some chats coming.
But we'll do some chats too.
Okay.
So I'll cover my point and then we'll go into the chats.
Again, guys, FNFSuperChat.com or RumbleRant your questions in.
Because I know we're not showing the chat on screen, make it a little bit cleaner.
So it's a bit more professional for you ninjas.
So women, right?
And getting into relationships.
Bro, this is probably one of the...
Silent killers of success that no one talks about and no one actually wants to admit because, you know, here's the thing, right?
We talk a lot on the podcast about having a nuclear family, raising children is important to do, right?
But in today's society, right, as a man, getting, you know, a girl pregnant at 18 years old is no longer the move.
Maybe in 1954 you could have done that, but in 2024 doing that is a big mistake because You can no longer support a family on a single income with a factory job.
Very difficult to do in today's society.
So you have to get a skill set that you can earn a good amount of money where you can actually take care of a family.
You pretty much need to make six figures, if not more, To be able to raise a family in a lot of parts of the United States.
There are some rural areas maybe that you can make less and be able to raise a family.
But in a lot of places in the United States, especially places that are desirable where people want to live, you need to make a good amount of money to be able to raise a family by yourself on one income.
So knowing that, that the cost of living has went up, you cannot go ahead and have the nuclear family as early as you used to be able and our counterparts prior to us.
You need to push it off a bit longer, right, as a man.
So with that said, right, one of the fastest ways to kill your ability to become successful and kill your wealth is having children too early.
And that comes from being in a relationship too early with a woman.
Now, the other problem too is this, guys.
A lot of you guys...
We'll go ahead and get a girlfriend and start becoming a fucking simp.
Let's just call it what it is.
Alright?
You guys will follow everything that she does.
She'll say, I'm going to college here.
Your dumbass will look for colleges over there even though she's going to some shitty ass school in the middle of Virginia somewhere.
And you got approved for a way better school.
But you'll go to try to be closer to her.
So you'll hurt your ability to get a better education and get a degree that will make you make more money to go ahead and chase her dream.
Too many guys put themselves in compromising positions to follow a woman's lead.
Right?
In 2024.
Because men aren't men anymore.
Right?
And also, we have all this propaganda out there that tells you to be equal to your girl, your equal partners, all this other bullshit.
But the reality is that attraction doesn't work that way.
Right?
So, the worst thing you can do as a young guy is get wrapped up with a female because inevitably you don't have The mental fortitude, the skill set, the masculinity, and the experience to be able to stand up to our fuckery.
And you won't be able to be a leader, a proper leader, because you're both young.
Right?
So, what I tell guys is, don't even bother getting in serious relationships until you're like damn near in your 30s.
Why?
Because at that point, you've built some experience, you've been to the gym for a bit, you have a job at this point, you have a skill set, you have a career, you make some good money.
So now, you're finally in a position where you're actually an asset to a female.
As an 18 year old guy, you're fucking useless.
Right?
People always try to come and attack me and say, Myron, you're a massager, you're a massager.
No, I'm a fucking realist.
And I'm telling you guys, as an 18-year-old guy, you're fucking useless.
You really are.
You don't bring anything to the table yet.
Okay?
You have to earn your fucking value.
So you're sitting there getting in a relationship with a woman as a fucking nobody that has almost no utility.
You can't provide her value, right?
You haven't built yourself up yet.
And now you're hurting your ability to build value because you have someone attached to you, right?
That's going to drain from you.
Gentlemen, women are natural extractors of resources and status and everything else like that.
So by you having a girl, even though she might be a great girl and she takes care of you and helps you out and shit like that, she's still going to be extracting from you to some degree.
Whether it's your energy, your creativity, whatever it may be, your time, you're going to have to give up something to be in said relationship which you can use to build yourself up into something better so that you can be in a position where you can get a girl that will follow your lead because you've actually fucking accomplished something.
Getting involved with women young almost always ends fucking badly.
Are there some guys out there that meet their high school sweetheart and they make it work and it's awesome?
Sure, of course.
But for the general masses, a lot of you guys are going to simp and be in a bad position and not be able to lead your girl.
And that's going to lead to a bunch of problems.
And in the process of you being in that relationship, you're going to miss many opportunities that you could have had to become successful and build yourself up.
I'll tell you this, man.
Working two jobs is a better idea.
Working on a skill at the work is a better idea.
Having friends that are successful, you hang around, is a better idea because you focus on your girl, bro, 100%.
Like what I'm saying here, what's going to happen is your time and energy is going to go towards her.
And before you know it, you've lost your chance at that opportunity you had at the very beginning.
Work the jobs, man.
Work till you're tired.
Work till you can't work no more.
Stack up some cash.
Invest in yourself.
But having a long-term grow at the very beginning, listen, you might be lucky, but is it worth it?
I think for most people, you could say you've tried it and it didn't work, understandably.
But again, it's a mistake because at least have that foundation set where you've made money for yourself or you've gained some success.
Then when you get the girl, she can follow your lead completely.
So this is a better idea to do it after, not before.
All right, some chats real quick.
DripCon.
You should consider starting a self-improvement camp where guys could sign up who struggle with looks, losing weight, getting girls' money, etc.
They could send a video message where they tell you their story and you could determine if they would be interesting enough for the show.
Amiring yelling at some fat guy to do more push-ups as a drill sergeant would be great IRL streaming content.
You could also set up them on dates with girls so they could improve in that way also.
It's not a bad idea.
FNF Boot Camp?
I can see you doing that.
Okay.
Gaz.
Mo can be Chocolate Boo.
Bills can be Bob Marley.
Chris can be anything he can afford.
Bum.
Fresh can be Mr.
Popo.
Myron can be Probably Mustache Man.
Yeah, probably, yeah.
Yeah.
Alright.
Okay.
Fresh updates, and then this is the...
Mr.
Popo, Painter, Fat Albert, Homeless Guy.
Hi, Carly.
Okay.
I read the one earlier.
Punisher.
Fresh can be Uncle Ben.
Mario can be Clayton Bisbee.
Chris can be Speech Coach.
Mo can be Fitness slash Dietitian.
Instructor.
Bills can be Dollar Store.
2 Chainz.
What?
Goddamn, nigga.
It's a costume.
Of all the oxymoron.
That's a good one though.
That's pretty funny.
More as a fitness instructor.
You wear gym shorts?
Bro, it's Halloween, not opposite day, bro!
Well, it's a costume, bro, so I mean, it wouldn't be too bad.
Okay, number three.
I thought my room was going to like that joke.
Alright, go ahead.
No?
No, you got it.
You don't like that joke or no?
Yeah, it's like, it's Halloween, not opposite day.
That's not funny.
Alright, cool.
Yes, sir!
Alright, number three, guys, is having a plan of action for your money to follow once you get it.
So, imagine you did the first two steps, you got two or three jobs, you're working on yourself, becoming successful, making some money.
And as well, you didn't waste it on drugs, on girls, or drinks.
Now you're making maybe like 20, 30k extra.
You got money in the bank.
Okay.
Big baller now.
The problem is though, when it comes to the money coming in, I'm telling you bro, I did it myself too.
I got friends that did it as well.
But I don't plan where to put that money.
It can be tough.
And I'll tell you this right now.
If you have money without purpose or direction to go in, the money's going to go elsewhere really fast.
Ask any athlete or celebrity, someone that won the lotto, to get a bunch of money, and before you know it, it's gone in an instant.
So you need a budget.
No matter who you are, where you're at, and I'll tell you this.
A budget that you can follow is just you saying, here's my bills, here's my expenses, here's my income.
All this together, you could do either two sides of this column or three.
But just keep it simple, expenses and income.
And then from there, you can see your actual income every month.
Because remember, don't forget, your salary itself, you might get two, three K, but minus expenses, what you really have in your hand at the end of the month.
Which means, let's say you make like what?
3k, right?
Let's say your bills are rent is like 800 bucks, car, food.
Let's say your bills are like $1,500 when it's done at the end of the month, right?
So you got $1,500 left over at the end of the month.
Now, you could either go out phone with friends, go party, even go on vacation with the money.
But if you're not where you want to be right now, what's a better option for you to do?
Oh wait, I have an idea for you.
Make a plan where you put either aside 500 bucks, whatever's good for you, into savings, or you put it towards a skill or a mentor that can teach you what you want to learn in real time.
Because what happens, guys, is that we're not getting any younger.
We're getting older every single day.
And the money you're making right now will lose its value with depreciation and inflation as well.
So I think for most people here, if you have a plan of action, like a, maybe like a, you could do a written budget or an online budget.
There's also Mint.com.
The Mint you can use is an app you can use to monitor your actual, like, income and Accounts.
But I recommend writing it down so you can see it in real time because it hurts, man.
It hurts.
Seeing your actual income at the very beginning, writing it down, it stinks.
I'll tell you this, man.
I did that for the first time.
I was like, I'm making, what, $30 a week?
You guys saw that Grant Cardone video.
That was actually real.
And it hurt because I'm seeing in real time what it is I'm actually making.
But, once you get the money, you have a plan of action, then you can use it correctly at that point.
Because, hold on, if you look at it from a standpoint of budget and over a period of time, if you budget correctly over a period of time, you're going to have success in many factors.
Savings, Either a property or asset, or maybe even a skill that you learned.
First is, you just make money and you just spend it, you don't know where it's going, and there's no real value to you at the end of the day.
So, all in all guys, you need a budget no matter who you are, at the very beginning at least, see if that foundation is set, and then imagine you make like, what, 50k extra one year, what are you going to do with the money?
Waste it?
or put towards a property, a skill, whatever that may be, have a plan of action for the money at all times.
So we're doing budgets and understanding...
Yeah, no, of course, of course.
Look, man, guys, when it comes to...
And a lot of guys have...
Some of you guys even contact us like, hey, what should I do with the money?
I have this much saved.
I have that much saved.
I think the first thing that you need to focus on doing is building up that six months of reserves, right?
Once you have that six months of reserves where, let's say you were out of your job, you lost your job, you get sick, something like that, you can take care of yourself for six months to one year, right?
Once you have those reserves built up, then...
You could take the money outside of that and go ahead and put it into some type of investment, whether it's cryptocurrency, real estate, stock market, index funds, whatever it may be.
And that really depends upon you because everyone is different.
Everyone has different risk tolerances.
Some people are very...
Risk tolerant and other people are more risk averse.
So for you, you might say, you know, I just want to put my money into a fund that tracks the S&P 500 where I know that I'm going to get a guaranteed return of between 8 to 10%, right?
Some other people might say, no, fuck that.
I want to put my money into real estate where I know I can get a 30 to 40% ROI based on appreciation and cash flow and taxes, benefits, etc.
And then some people might say, you know what?
No, I'm really risk tolerant.
I'm going to put my money into cryptocurrency, right?
So It really comes down to how resilient you are.
The point is that we have videos on all that stuff, so you guys can kind of make the proper assessment.
But what I think you should do is be in all of them.
Be in real estate, be in crypto, be in index funds, be in the stock market, be in all of them.
Because the more you have your money divot out in different pots, Right?
And have a diversified portfolio, the better you are able to combat market turbulence.
Because let's say the real estate market goes down, well, if the stock market goes up, you're making money there.
Let's say real estate goes up, but crypto goes down, you made money in real estate, and you didn't lose as much on cryptocurrency.
But when you're all in, Obviously, you're gonna be, you know, sitting there pinching a butthole all the time, it going crazy if the price of Ethereum goes up $100.
Or if it goes down $100, you might jump off a balcony like some people have done here in Miami, right?
So, that's one of the negatives.
Of not really having a strategy and putting that money in where it needs to go.
Now, the other thing I'll say is if you're an entrepreneur, the best place you can put that money is always your fucking business.
As you guys know, we spend a significant amount of money on this studio, right?
We can literally run through the cameras here.
You see all the different camera angles we have, right?
We have like 16 different camera angles, guys, right?
We have...
We're using really expensive Sony cinema cameras, right?
If you guys are watching on Rumble right now, if you are watching actually, open up a tab on Rumble, guys, and watch it.
You can watch this in damn near 4K on Rumble, right?
And you'll see the power of these cameras.
And the reason for that Is because I said, you know what?
If we're going to run a podcast, we need to do this right.
We need to do this at the highest level possible.
And that's a big reason why we were able to kind of come into the YouTube thing.
By the way, we just had our four-year anniversary not too long ago.
It was two days ago.
It was two days ago.
October 27th.
26th was our first episode.
October 26th.
So four years, guys, on YouTube officially as of two days ago.
And we're still here.
For now.
Despite everyone talking shit and trying to get us taken down, we're still here.
That's what the haters say, for now.
So...
And the reason for that, guys, is why we're able to kind of come into YouTube and like just take over within four years, right?
And doing a massive amount of growth in a short period of time is because we came in, you know, we put our money where our mouth is.
We invested in high quality equipment from the beginning and we just focused on always scaling up and doing better.
Now, we pretty much, you know, Stabilize when it comes to the quality of cameras and stuff like that and audio.
We make upgrades here and there, but in general, we have the best of the best right now.
So you need to kind of have the same mindset where whatever your business is, invest in your business, guys, because if you invest in your business, that's going to allow you to make more money down the road.
Also, he's speaking about opportunity costs.
Imagine you have a lot of opportunity in front of you, but no money to invest.
It's almost like if you had a chance of life to really excel and do better, but you didn't have the money to employ these tactics, for example, these strategies to make it happen.
So even with the podcast itself, we were able to get a studio pretty quickly at the very beginning and as well get equipment right away because money was there from Myron's account that helped us push towards that goal.
So again, when it comes to actual budgeting opportunity, if you have that money in hand, opportunity comes up, you can use it to your advantage to make it happen in real time.
But on the other hand, if you use money incorrectly, you go gambling, you go partying with your friends, you go on vacations, then money's going to be used in a bad way where, like, opportunity cost is going to be at all time because at that point, the money could be used better to help you move forward in your business or, for example, your career.
So either way, use it correctly, budget the money, and be smart about how you use it.
Cool.
Number four.
Anything you want to add to that or no?
No, no.
Cool.
All right, guys, number four.
Abusing the power of credit cards and using it for bad debt.
So this one's big because imagine a lot of kids nowadays, they are growing up to see people splurging money, cars, lifestyle, iPads, iPhones, all this stuff.
And usually at that age, you don't have money.
So you may be lucky to get a credit card or, for example, have your mom or dad get you one.
Now, as a kid though, let's be real here.
All of us can say when we were younger, we wasted a lot of money.
I know I did for sure.
I'm sure everyone in here wasted money as well.
And you learn from experiencing from mistakes you make in real time, for the most part.
However, in school, in college, with a credit card, you can go crazy.
You could buy food.
You could maybe buy a bottle at a club.
You could even do, I don't know, do a whole full Amazon order for months on your credit card.
Nonetheless, though, using the card incorrectly causes debt to happen.
And like anyone can tell you, credit card debt is one of the highest APR interest rates you can have because that's like 27% now or so?
26%?
Yeah, it fluctuates greatly.
So imagine you're not paying that back before the end of the month.
That's going to add up very quickly.
And before you know it, it may even become a part of your current income always because...
That amount of money, guys, if it adds up correctly, and if it is going to be done from a credit card, can be massive amounts of money at a time if you don't pay it back.
So I'll have to say that, like, at the very beginning, especially with credit cards, you need to understand the game of how it works and not be messed up because in the game of credit, if you use it incorrectly, it'll fuck you up.
I'll give you an example.
So, two guys are in the same job, same level of life, same household, same rent, same everything, right?
Same income, same expenses.
One guy has a credit card, let's call him guy A, and he does shopping at the mall, travel, vacation, on a credit card.
But he doesn't pay it off every month.
Second guy, Guy B, has a credit card, but only pays for gas, business expenses, maybe a couple nights out that are going to be more like lower costs, and he pays off the bill every single month.
Obviously, from this example, you can see who's a better user of the credit card, but eventually, guy A is going to have debt he can't pay off or debt has so much money that anything that comes up with opportunity, I mentioned before, he can't afford to do it because he's stuck on credit card debt.
So eventually, over a period of time, guy B is going to be more able to, I guess, take advantage because he's going to have money in reserves and a full credit card he can use at all times versus guy A will only have maybe his reserve income and be lucky if he has money from his credit card to use at all.
In short, guys, credit itself can help you get a job, help you get, for example, a car, a house, even possible business ventures that we don't know of right now.
And it's because people see credit as a way to see, okay, is he actually smart with his money?
Is he able to pay back on time?
If they can see that, then you get a lot done in life.
And as well, if you want to get a property, you need credit.
So it works out better for you anyway.
This is probably one of the worst things that most Americans mess up is their credit.
And most Americans have consumer debt, which 9 out of 10 times comes from credit cards because they're using money they don't have.
To purchase things they don't need with credit cards that will sink them deeper into debt and decrease their credit score at the same time.
So you're failing on multiple angles because you're literally putting yourself in debt and not only putting yourself in debt, to pay back said debt, you're paying it at an incredibly high interest rate.
These credit card companies, guys, don't make money when you use the credit card and pay it back in full.
That's what they don't want you to do.
They want you to make the minimum payment so they can continue to Make money on you on interest rates and this rates are extremely high They can fluctuate anywhere from 15 all the way up to 30% on some of these credit cards depending on what time of the year it is etc.
and it's always can fluctuate so using credit cards guys to purchase things that are you know, you don't need like not for a business is the L most of the time now if you're using the credit card To purchase something that can help you make money, that's one thing.
But most people, let's be honest, most Americans use credit cards to buy stupid shit that isn't necessarily going to benefit them.
Vacations, clothes, Fucking luxury items, luxury experiences.
Let me tell you guys this, man.
This whole concept of luxury, 9 out of 10 times, it's a fucking scam.
Fine dining, luxury travel, all this other...
It's all a fucking scam.
Especially fine dining.
It's a fucking scam, bro.
I'm telling you guys.
It's all a fucking scam.
Because the reality is, they're buying chicken from the same niggas that buy the chicken from Chipotle.
Same shit!
Okay?
They're just telling you that it's, oh yeah, it's imported chicken from Italy.
No!
They're buying the same fucking chicken from the same distributor that Chipotle buys their fucking chicken and all these other restaurants.
It's just that they go ahead, put some stupid ass sauce on it, put some other flavoring on it.
You know, got some guy with a fucking weird mustache that comes out this way that says he's a fucking Picasso chef.
Then he sprinkles up shit on it and then they're charging you 10x the fucking price.
That's what's really going down here.
Sprinkle, sprinkle.
You know?
So, like...
You really want to stay away from these luxury items and luxury experiences, especially in the beginning when you don't have money like that, right?
Like me guys, I'm just starting maybe, every now and then, using luxury services.
But I still don't go eat at fancy ass restaurants like that.
I still don't spend money on fucking luxury cars and any of this other shit.
It's all a fucking scam.
Credit cards allow you to partake in these scams at a higher level and then drag yourself into debt with high interest rates and then you end up under a fucking hole that you can't fucking manage.
And the worst is...
Sip your tea.
I gotta drink my coffee before I say this one.
The worst is you guys that make $80,000 to $300,000 per year.
Why?
Because you guys are at a point where you guys are just starting to make money.
You're doing pretty well.
You can afford better things, right?
But you don't make enough where you can get the top-tier shit, right?
So you can go ahead and get yourself a first-class flight or business or whatever it may be, right?
Every now and then, no problem.
You can go ahead and eat at a fancy restaurant.
You can go ahead and get yourself that Mercedes...
C-Class or E-Class, right?
Maybe not the S, you ain't there yet, but you can go ahead and get yourself the C or the E-Class.
You can get yourself a BMW 3 Series or 5 Series, right?
And lease it and pay your $300- $500 a month.
And that is where it's the most dangerous.
Because once you start getting money, right?
You can start affording things.
A lot of the times what you'll do is you rise up, rise up, rise up.
Oh, I can start affording things.
And you stop.
Because now you're getting these items You're buying these items, you're procuring these items, and then they typically come with debt.
Now you're stuck there paying off this fucking luxury item because you can afford it.
Yeah.
That's where a lot of people end up in the fucking middle class.
Something like 70-80% of people that make 100k or plus more per year still love paycheck to paycheck.
And they tell you, 0% down.
The car can be rich today.
You can walk off this car right now.
0% down.
Are you going to say no?
No, you're going to say like, 0% down?
Let's go!
To all my earners, right, young professionals, you guys that are entry level or, you know, maybe even executive level, you're making, you know, $80,000 to $300,000, $400,000 a year.
You guys, a lot of you guys fall in this category where you make good money and you can do certain things, but you still, right, purchase these luxury items and then you become a slave to these fucking luxury items and drag yourself in debt when you didn't need to.
Guys, Fucking multimillionaire, I still drive my 2002 fucking Honda.
And guess what?
I'm going to continue to drive that fucking 2002 Honda because I understand that cars and paying a fucking monthly bill 9 out of 10 times is a fucking scam.
Fresh will tell you.
No, no.
100%.
He learned the hard way.
He can tell you guys.
Hey, listen, guys.
Mine is 100% right.
I have my phone with cars, but I'll tell you this, man.
That shit is expensive for no reason.
And they...
Hold on.
The house always wins.
Understand that.
Good point.
The house, in this case, this dealership, always wins.
Even if he's your friend, you guys are cool, brother, they're there to make money.
So at the end of the day, guys, having a car is a liability.
And if you're just starting out, it will just, you know what it will do?
The money you would have spent on yourself, either to procure a skill, it's going to go towards your car payment, and your insurance.
And God forbid something goes wrong with the car.
Cooked.
Yeah, bro.
So, look.
I mean, obviously, I'm a bit extreme here with this 2002 Honda.
But, you know, I say it to let you guys know that having super nice things isn't necessary all the time.
And a lot of the time, it's bullshit.
You can get by on way less.
Way, way less, right?
I'll be honest with you.
If we didn't have this podcast, I'd be living in a fucking one-bedroom apartment, super fucking cheap, chill, that comes furnished, right?
Learn to be happy with less, guys.
Learn to be happy with being a minimalist.
Learn to be happy with just having less things.
It'll make you feel better.
You won't have as much debt.
You won't have to worry about shit because once you're attached to things, right, because once you procure something on credit, Now, that thing owns you.
You don't own it.
It owns you.
Because you have to pay for it every single month to maintain it.
And a lot of times, it's not worth it.
So who owns what?
If you don't pay, it's gone.
So all the money you spend is gone for nothing.
So guys, don't be a slave to debt, man.
Don't be a slave to items.
Don't be a slave to a certain lifestyle.
Like, buy what you can afford and then go below that.
It really isn't necessary.
This is coming from guys that got some money and we're telling you.
Fresh is the experience.
He's telling y'all, don't fucking do it.
Learn from his mistake.
Bro, I've had all the cars you can think of.
I'll say this, man.
Was it worth it?
Maybe a little bit, but not totally.
The experience was nice, but the money wasn't nice.
Yeah, man.
It's not worth it, guys.
It's not worth it, bro.
So guys, just live way below your means.
Try not to drag yourself in credit card debt because that credit card debt, those things that you buy that you think you own, they actually own you because now you have to fund maintaining it and keeping it.
I'll tell you what.
The best thing you can do is when you get to that level of success, you spend the money on experiences that you care about.
That's a reward in itself because, for example, you and Angie, you want to go eat, you want to go travel, see your family, you can do that with no sleep because you can afford it after the fact and you did it where it doesn't bother you at all.
Versus you do it at the very beginning, shit, I got to pay my rent, I got to pay my credit card, shit, I just spent like $1,200 on traveling.
So having experience with people you care about after the fact is way more impressive and as well.
Way more rewarding because now, it's only your time, your dime, without an issue at all.
Yeah, I mean, but refrain from traveling in the beginning, guys.
Yeah, yeah.
That will kill your money, too.
Like, what Fresh is saying is, like, you've made a bunch of money and you don't spend, you're very frugal.
Like, if you want to go ahead and have a, you know, a stake somewhere, it won't matter because you...
Your cost of living are so goddamn low compared to what you make where you don't even think twice.
And that's where I want you guys to be.
That's the point where I'm at because I wear the same clothes every day.
I don't buy nothing really like that outside of business expenses where I eat Chipotle every day.
So if I decide one day, not that I would, but I'm going to go eat a Komodo one day.
I'm going to go get a fucking skirt steak because I do like that.
I think their skirt steak is good.
That's the only reason I even go to that place even though they're scammers.
Well, we know who owns it.
Wait a minute.
Wait a minute.
They're not scammers.
They make good money.
And the owner's a great guy.
Anyway, right?
Good friend of mine.
Yeah, well, Fresh was going to say that.
I don't give a shit.
So, yeah.
I care.
Yeah, I get it.
But to me, I look at this, it's all fine dining is a fucking scam, right?
So, if I go there and I want to go ahead and get some food there, I don't got to think twice because my cost of living is so fucking low where if I go to a place like this and eat once, it's not going to matter.
Right?
But if I got all these other expenditures because I'm buying all this fancy shit to impress people that don't give a fuck about me, well then yeah, I'm going to be looking at that receipt.
Like, hold on, am I going to be able to get this and then pay for my car payment and then also for my also super expensive other bills that I got?
It's not worth it, man.
So, guys, just live way below your means, I'm telling you, man.
You should be able to pay your rent like three to four times over.
You want to hear a joke?
Uh...
Yo, quick slap.
Fuck you, nigga.
Yo, fuck you, nigga.
Anyhow, um...
I've had friends, super rich friends, that say all the time, your partner Myron, he's legit.
I said, what do you mean?
He's like, the guy doesn't spend no money.
And I'm like, I wish it could be him.
I'm like, what do you mean?
He's like, bro, I'm happy with my life, but I have constant bills every month.
The house, the mansion, the girl, mom, all these things I gotta pay is a burden.
He just wakes up, does a podcast, Xpace, goes to the gym.
No stress.
Well, I mean, you got a little bit of stress because of real estate, but other than that, nothing's really there.
And he said, yo, you know what?
Being minimalist is key because now...
Less expenses, more freedom, more mental clarity you could use towards either a new business or new goals.
So honestly, guys, being a minimalist is key because shit, I'm learning it now too as well and I'm like, I'm way happier now because the less things I have in my possession, for example, cars and lifestyle, The more free I feel.
Honestly, guys, I'm happier just being with me here at Dog Park, driving in the car, coming here, doing a show, hanging with the guys.
That's it, man.
And a couple days here and there.
So, being a minimalist is better overall, I would say.
What's the last one?
Number five.
The last one's going to be Circle of Friends, guys.
This guy, Renek, says that we're both brokies.
Okay, we are.
Well, well, well, hold on.
Renex, what's your account?
How much money you got, bro?
Show us your bank account.
How about that?
You show us how much better you are off than us.
No, we're still poor.
We're poor.
No, no.
Renex, no.
For real.
Send us something you can show us.
How much money you got?
Okay.
Last one here, guys.
Account probably not even worth the studio.
Hey, man, we wish you the best.
Oh, my bad.
Oh, and by the way, we own all this shit.
Yeah.
None of this is on debt.
We own all of it.
Choosing the wrong circle of friends is very costly.
So we mentioned before, you know, time management, budgeting, and having money you can use correctly to benefit yourself, the future, not waste it.
However...
All these things are great, but if your friends are these people that do these activities, and they're drinking, smoking, spending money, doing dumb stuff, and traveling, when they themselves are not where they need to be, guess what you're going to do?
Same as that thing.
Now you may say to yourself, nah bro, I'm an alpha G, I'm strong, I'm independent bro, I'm strong bro, I can do this shit on my own.
Even with my friends.
At the beginning, you may have control.
Eventually, as time passes, you're going to say like, damn, Tommy's over here in Bahamas.
My boy's over here doing this with his new car.
Damn, he just got a new set of clothes, bro, from Gucci and LV. Why can't I do the same thing?
And that's how you become a prisoner of the middle class.
Your friends...
Your family, your hang around, your lifestyle is indicative of them having and keeping up with the Joneses.
So as a result, they literally become a market for themselves of just buying what people think they need to have to be relevant in people's eyes.
Which means they don't really need it.
So if you are one of these people, and this is your circle of friends, by default, you become just like them.
So this is all good and dandy, guys.
This list here is all good and dandy, but without a proper foundation of good people around you, I'll tell you this right now.
You can do the same thing that they do.
The same trap is, hey, listen.
You hang with us?
Hey, bro!
Why you don't ever pay for, like, a vacation like how we do, bro?
Hey, bro!
Why you don't ever, like, buy a car like us, bro?
You're broke or whatever?
Before you know it, peer pressure, or even, for example, just a period of time passing, you're like, fuck it.
I want to do it, too.
And this is a problem, guys.
Your friends does dictate what you do for a living.
Not career-wise.
I mean, for example, you're actually on your habits because eventually you're going to say, why not me?
What can you do?
Why can't I do it?
This is why it's very important to have friends that are very sound-based and foundationally stable in what they do.
And they're not swayed by society, by TV, by TikTok and social media.
And they actually have a base of, hey, listen, this is who I am.
Take it or leave it.
That right there has a clarity because they understand what they're about and they're not swayed by any persuasion of people in the streets or, for example, media.
Which means, if you have good friends around you that are more concrete and more grounded in that sense, you can either scale up on business, mindset, growth, gym, all these things.
Other friends that are going to party, drink, and waste money like that, you'll do it too.
So...
Yeah, man.
It's an old saying, but show me your friends and I'll show you what you'll become.
It's very true, man.
If you're the fifth, you know, if you hang out with a group of five intelligent individuals, you'll be the sixth.
If you hang out with five idiots, you'll be the sixth, right?
I mean, look at Little Dirk right now.
Being around a bunch of goons all the time as a successful music artist ended up happening.
Now he's getting, you know, taken down for murder-for-hire for being around a bunch of street niggas that wanted to go ahead and get retaliation.
Obviously, he wanted to get retaliation, too.
But, you know, this is what happens when you are around people that are low-level, low-vibrational, thinking of, oh, yeah, we gotta get back, we gotta slide for Vaughn, blah, blah, blah.
Now he's going to prison for it.
To your point, King Vaughn wasn't around Lil Durk all the time.
He became poppin'.
Lil Durk started hanging around him after that.
What'd you notice?
More balance in his music.
More like, hey, we slide for people, we come back and forth.
And when he passed away, it was almost like if, like...
It is the homie.
I gotta spin the block.
Look who I've been in.
Yeah.
So, you need to keep good people in your circle, man.
And sometimes, I'll tell you guys this, it's better to have no people in your circle than have bad people in your circle.
And so many people are concerned with, like, having friends, where you guys will sit there and have really bad friends for you, right, at the cost of your success, because you're that terrified of, like, being alone.
Like, guys, you're better off literally having zero friends than having shitty friends.
When I was in South Texas, there'd be months where I wouldn't talk to anybody.
I would just focus on work, talk with my colleagues and shit like that, but I'd be a loner.
And I was okay with being by myself.
That's a skill set in itself, being able to be alone and not have an issue with it or feel lonely or not always needing to be around people.
Leaving yourself alone with your thoughts.
It keeps you more focused.
You're able to be like, okay, I need to get this done, I need to get that done, etc.
Having friends a lot of times, guys, is a fucking distraction.
Unless they're super successful and they push you, but most of the time they don't.
What do they do?
They enable a lot of your bad habits.
You want to go gambling, you want to go drinking, you want to go partying, etc.
They're going to go ahead and enable that bullshit a lot of times.
So...
Unless you got like a star panel of buddies that you guys are on the same level and they're higher than you and they're pushing you to become better, which, let's be honest, for most of you guys, that's not the fucking case.
It's okay to just be by yourself.
Nothing wrong with that shit.
You know what's the good part about this too?
We have what?
Castle Club.
Guys, you can be anywhere in the world.
You can be in Dubai, France, Spain, America, Canada.
You need friends that are like-minded.
You know where they may be?
Well, shoot, no.
Not where they may be.
They are in Council Club because they're vetted, they've been with us from the very beginning or near, damn near the next day, and as well, they have value for, for example, a business, they're RP-minded, or they understand how the world actually works.
And that right there, guys, you can't even pay for that because finding people like that around you is almost impossible.
Join Castle Club, man.
Join the community.
We do meetups as well, Zoom calls.
Tap into that as well.
And don't forget, guys, remember, friendship could be virtual or a person.
Preferably in person, though.
But nonetheless, guys, that's where you want to find brothers like yourself in Castle Club.
Hey, man, castleclub.tv, guys.
Yep.
Over 6,000 strong.
So jump on in there.
We can read some chats?
Yeah, we can.
And then we've got news coming up.
Yeah, and then news coming up.
Close this show out, and then we'll be back...
What do you do on the next one?
What do we got here?
Okay.
Okay.
Fresh updates.
Niggas, we're at Halloween college parties this weekend.
Acting brain dead and getting high.
Meanwhile, I was getting two jobs.
WFNFD's Money Monday changed my mindset since 2022.
Think about this.
Don't do drugs chat.
Just don't.
Yeah, facts, bro.
Shout out to you, bro.
And in college, bro, that's where the most, you know, they'll try to tempt you with some bullshit, man.
Don't do it, man.
Don't do it.
Joe Naden goes, Hey, Myron, how did you go about withdrawing your TSP? I remember you saying that, but they only let you withdraw only if you're a retirement age or separate from the federal government.
Yeah, bro, they're not going to let you withdraw the full amount unless you leave.
So I left, so I was able to get most of it out.
But for you, bro, you can borrow against it.
If you're going to buy a house, but, you know, obviously you're going to have to pay it back in interest, so really, you know, weigh the options if it's worth it for you.
Alright.
Cool.
So, guys, we're going to be back with the news.
10?
Yeah, at approximately, yeah, probably around 9.45 or 10.
Or, Bill, how long do you think it'll take you to get it going?
However long you need, guys.
Well, yeah, I mean, we're going to stay here.
So, yeah, let's just...
Yeah, guys, so we'll be back with the news here very shortly, probably by 10 o'clock.
Cool.
All right, guys.
Peace.
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