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Nov. 11, 2024 - Fresh & Fit

01:57:29

Money Monday Call-In Show

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Time	Text
	Thank you.
	And we are live.
	What's up guys?
	Welcome to the Freshman Podcast.
	Man, it is Money Monday.
	We got something new for y'all.
	Let's get into it, baby.
	Let's go. Let's go.
	Let's go.
	Let's go. Let's go.
	whether it's a credit episode or whatever, or a guest, But for the most part, I think the most effective way is for us to do a lot of these call-in shows.
	We're going to put the number up, which by the way is 515-605-9740.
	That number again is 515-605-9740.
	As usual, if you super chat, you can go ahead and cut the line and get to the front.
	Or Rumble Rant In, either or.
	Or FNFSuperChat.com, you got three main ways to donate, guys.
	So FNFSuperChat.com, right, if you're on YouTube.
	If you're watching on Rumble, you can Rumble Rant In, or you can use FNFSuperChat.
	If you're watching on Castle Club, you can donate on Castle Club.
	As well.
	So those are the three main ways.
	And that number is 515-605-9740.
	Also, guys, get into Cal's Club for completely free right now.
	All you gotta do is just put your email in there, make an account, and if we host a free Zoom call, we'll let you guys know and you guys can join in.
	I don't know if we have any scheduled for this week, but you guys should absolutely jump in there for absolutely free.
	Get on the list.
	Get the value that we give.
	We give out emails where we give you guys all kinds of value on there.
	And the link is pinned in the chat as well, guys.
	The link is pinned, man.
	Join Cals Club for absolutely free.
	And tomorrow we have a Zoom call with David Amari, YouTube Automation, 7 p.m.
	EST on Tuesday.
	So that's going to be an awesome call.
	Premium only, by the way.
	That's for Cals Club Premium, right?
	So yeah, Cals Club, guys, we got two portions of it.
	We got regular Cals Club and we got Cals Club Premium.
	Cals Club Premium, a lot of times, is where we really dial in with someone or one of us.
	When we go into one topic, like, really intimately pause.
	And the crowd is a lot smaller.
	So we were on a Zoom call yesterday.
	We had like 100-some guys in there.
	And we were just doing open Q&A, answering all types of questions for the premium.
	We get really into the sauce on specific topics.
	Yep.
	All right?
	So, yeah.
	I love you in there.
	A lot of value, guys.
	A lot of value, man.
	There's no one else that provides the amount of value that we have on there when it comes to making money, getting girls, getting your shit together in general, not being a brokie.
	If you guys had listened to us, Bitcoin is at like almost $90,000, guys.
	If you guys got in Charlie and Miguel's chorus when we told y'all to, or bought Bitcoin when we told you guys to, you would be up right now so much.
	Ethereum when we told you guys.
	Look, man, I don't want to say we're right.
	But we are, we're riding a lot.
	Experts told us what to do.
	You know?
	So, for everyone that said, oh, the crypto course is a scam.
	Bruh, if you had gotten in there, you would have been making hella money right now.
	Bitcoin now is 89K. 89,000.
	On the top.
	Ethereum is 3K. 3.3K. So it went up.
	So, yeah.
	So, yeah.
	See, I can see a couple guys in the chat said, I got in, I got in, I made the right choice.
	Yeah.
	Shout out to all you guys that are smart that got in.
	Oh, it's a scam, bro.
	It's a scam.
	Yo.
	Incredible, bro.
	See?
	Cryptocurrency is here to stay, guys.
	100%.
	Alright, so let's go ahead.
	Okay, I see right here TSMix goes, mine, I was on the last call-in show and I asked you guys if I could put the $11,000 I had saved up into Bitcoin to pay debt.
	Bitcoin went up $10,000.
	How much did we miss out on?
	Wait.
	He said the last concert.
	I don't know when that is.
	I don't know which one you mean.
	If you were in hella debt, bro, we didn't want you to put your money into that, if you're asking that question.
	Because, dude, who it is, he was like, what, hella debt, credit cards, personal debt as well.
	I don't know if that was him, but one of these people that made a phone call had hella debt.
	We didn't want him to waste money, if at all, into Bitcoin at that time.
	Yeah, because remember, if you had...
	Yeah, because I don't know what the price...
	We would need to know what the price of Bitcoin back then was or whatever.
	Remember, the rule is you put money that you don't need into Bitcoin and assets like that.
	But if you need the money, then don't do it, bro.
	Yeah.
	So...
	But either way, it's fine.
	All right.
	So we're going to go to the phone lines here in a little bit.
	Again, guys, number call into the show, 515-605-9740.
	Call into the show.
	We want to talk to you guys.
	We're live on all platforms right now.
	We're live on Rumble, Castle Club, YouTube, and Twitter.
	This is our first Money Monday call-in show.
	Yeah, first one.
	Kind of like Dave Ramsey, but for niggas.
	So, yeah, we're less professional.
	Nigga Ramsey.
	Yeah, Nigga Ramsey.
	Welcome to the Nigga Ramsey Show.
	We're here.
	We made it!
	Yeah, so...
	Okay, so first caller.
	Yeah.
	Well, I do want to bring up as well Bitcoin.
	And again, it cuts the line, guys.
	FNFSuperChat.com.
	Rumble Rant, Castle Club Donation, any of those will help you cut the line if you guys want.
	Yeah.
	Right?
	Bitcoin itself, though, that's remarkable.
	I remember when Charlie and Miguel said years ago, oh, it's going to be $100K one day.
	People are like, no way.
	We've never reached that point ever.
	It's at $90K right now.
	It's coming true.
	They don't miss, bro.
	You said that like two years ago?
	Yeah.
	People are laughing.
	Oh, they never reached that number.
	You guys are capping.
	Man, they're experts, bro.
	I'm telling you.
	You did for a while.
	Went down to 30K. Yeah.
	It's here to stay, guys.
	It's here to stay.
	It is here to stay.
	And, oh yeah, just so you guys know, all of your chats are going to be shown on screen.
	So, that's kind of how we're doing it.
	Every single chat that comes in, we show it on screen.
	Shout out to Bills, the magician in the back.
	Do we have the phone lines open, guys?
	Yeah.
	Okay.
	We got someone online?
	Mo?
	I'll just check if anyone donated.
	Let's see you real quick.
	We can take a free caller first.
	Okay.
	We'll take a free caller first.
	Again, guys, cut the line.
	Call in, put the last four digits of your phone number, and we got you.
	3819, you're up.
	3819, welcome to the show.
	3819, you're up.
	Does Dave ask them where they're from?
	Yeah, name, age, where you're from, right?
	Yeah, we'll just say name and where you're from.
	Cool.
	Alright, what's up, bro?
	I'm from Mississippi.
	What's your name?
	Mississippi?
	Can you guys hear me?
	Yeah, we got you.
	You're from Mississippi.
	What's your name?
	You sound a bit far, though.
	My name's Manuel.
	I'm calling to ask about my credit advice.
	My current score is 687.
	I have five hard in court.
	My first card, number one.
	Hey, bro, bro, bro.
	Look, look, look, look.
	Take a deep breath.
	Your connection sucks balls.
	We can barely hear you.
	So I don't know if you're using bad service or you're talking to us on speaker, but try to get into an area where we can actually hear you, bro.
	Come on.
	We got you, bro.
	So I got a Capital One Platinum credit card.
	I got it in March.
	It's my first card.
	My current score is six.
	How did you get those five hard inquiries?
	What's it for?
	It was before I got my first card.
	I kept getting declined because it was my first one.
	Oh, you were applying for cards.
	Yes, I was before I got my first card.
	Typically, they fall off within the year.
	In two years, they're fully off your score.
	So the first year affects your score, but after that, the second year...
	Yeah, and it's not that big of an effect, man.
	Three points.
	Yeah, just focus on the most important things when it comes to credit cards and your credit score in general, bro, is...
	Utility?
	Credit utilization, right?
	Making sure that you're...
	I like the goal of the number is to be under 10%, but most people can't do that.
	So just be under Do you have any current debt right now, bro?
	That you need to pay off?
	No debt.
	No debt.
	All right.
	Then you're in a good place, bro.
	Just keep your utilization low.
	What's your credit limit on that credit card?
	$300.
	Okay, so what you got to do is you just got to max it out then like pay it down immediately because $300 is not shit, bro.
	And then you're going to need to ask for credit increase after the first month or two.
	Well, twice for credit increase.
	You said you asked twice?
	Yes, I've got declined twice.
	Yeah, it's because you haven't had the card long enough, bro.
	How long have you had the card?
	You said you just got it, right?
	I had it since March.
	Have you been making your payments on time?
	Yes.
	And they declined you from getting a credit card increase?
	Yes.
	So you've been paying on time since March and you asked for an increase and they told you no.
	Yeah, they declined twice.
	Something's up there.
	Yeah, something's up here, bro.
	Did you call them or did you try it through the app?
	I tried through the app.
	Okay, call them.
	Yeah, it's a system that does it automatically, guys, so it can give you that a lot of times.
	Let me guess, it probably asked you for your income and shit like that and you did it through the app and then it declined you?
	Yes.
	Okay, you got to call them, bro.
	Also, when you call them, make sure it's paid off so it looks good as well.
	And hey, I've been paying off my statement for the past six months and I want to get an increase.
	And there's going to be a person talking to you saying, you know, all right, let me look at your history.
	Okay, verified.
	All right, we got you.
	Try to get it to $1,000, bro.
	The algorithm might just reject you automatically.
	Try to get it from somewhere from $600 to $1,000 because $300 ain't shit, bro.
	You need a bigger credit limit so that you can carry a larger balance so that way you're not always hitting 90% utilization for using it once.
	Also, a lot of you need to expand your credit.
	For example, you might need to expand to maybe a car you can afford, by the way, or maybe a cell phone.
	Whatever it is you can expand your credit with, you should do.
	Because a credit card alone won't put your score that high.
	You need more stuff to actually expand that credit score to a higher score.
	And once you hit 700, try to get some other cards, bro.
	The problem is, you know what you probably did?
	You probably put off more than you can chew.
	You probably applied for cards that need a 720 flexes, etc.
	If you want to get these actual good cards that are worth fucking having, it need to be 720 plus.
	So for you, you're in this awkward range where that's why you got declined.
	Because what probably happened was you applied for cards that give you benefits, $2 cash back, whatever it may be.
	And these are...
	These are cards that you need to have pretty good credit to get.
	So you need to go back, bro, and get some more basic cards.
	It might suck that you gotta carry some credit cards that don't give you intrinsic benefit from having them, but it's worth it so that you can pass that fucking 720 mark.
	Also, just out to your point, there's one fact that we forgot to mention.
	Whenever you have a credit request, Also, your income matters as well.
	So, back when I had my first card, like, I wanted a bigger Chase card.
	I couldn't get it because my income was so low compared to what the offer was.
	I wasn't able to accept that either.
	So, how much do you make a year, bro?
	Less than 40K. See?
	That's kind of problem, too.
	Your income is too low, bro.
	Dude, so, see, you got to do three things here.
	You said less than 40K. Nigga, tell us how much exactly.
	Yeah, what's that number, bro?
	Uh...
	36k.
	Alright, cool.
	I mean, he's a Mississippi, low cost of living, one of the poorest states in America, so I get it.
	But, yeah, bro, that's also going to keep you back.
	So, you're going to need to go ahead and get some cards that are easier to get.
	You know, like beginner credit cards.
	How old are you, bro?
	Because he said, you got a Capital One Quicksilver, you said?
	Which kind of credit card did you get?
	Capital One Platinum.
	What's the benefit on that one?
	It gives you a dollar back?
	It's a cashback card, that one, or what is it?
	No, there's no benefits.
	There's got to be one benefit, because I've heard of that card before.
	The platinum.
	I'm looking right now.
	This is like a beginner card.
	That is a beginner card.
	I have it.
	So there's no benefit to that card?
	No.
	Zero?
	Zero.
	Alright.
	It's a beginner credit card.
	I have that.
	Okay.
	Nothing?
	Nothing.
	Yeah.
	No cashbacks?
	No.
	No cashback?
	No nothing?
	No.
	Damn.
	Alright.
	Yeah, bro.
	This card, all you need is a fair score.
	Okay.
	You don't have any good.
	You just need a fair.
	Okay.
	So, bro, you need to get a couple more fair credit cards then, is what you need.
	Yeah.
	So, if you can...
	Bro, you gotta start somewhere.
	I thought I had the quick silver.
	Because your income...
	Also, at that point, pay it off more and ask for an increase as well once the income goes up as well.
	But, yeah.
	That's why, bro.
	I remember you said those beginner cards, those are the ones that you have to have to keep the longest.
	Oh, yeah, yeah, yeah, yeah.
	Okay, it was a card that you got in the beginning and you just can't get rid of it now.
	Yes.
	Okay, gotcha.
	Okay.
	So Moe's in the same boat as you, bro.
	He got that card too.
	Well, I was.
	Yeah, he was.
	Okay.
	Alright, so yeah, bro.
	So you know what you need to do?
	Yeah.
	Call Capital One.
	So step one for you.
	Call Capital One, increase your limit, and then try to see if you can get another card.
	Alright?
	Alright, got it.
	And you're going to have to get the basic card.
	And work your way up to 720 credit scores so that you can get a card that's worth actually having.
	Cool?
	Alright, one last question.
	What are the top five content creators for credit advice?
	Definitely us.
	Who else?
	I'm trying to think.
	Graham Stephan?
	Yeah, does Graham Stephan cover credit cards like that anymore?
	He used to back in the day for sure.
	Yeah, I don't know if he still does.
	There's an Asian guy.
	There's an Asian guy.
	I'm trying to remember.
	Of course he's Asian.
	Yeah, it's always Asian, I guess, bro.
	I'll be honest with you.
	I forgot his name.
	Hold on, let me find him right now.
	Who we got?
	I forgot his name.
	I was supposed to bring him on, but I lost my fucking Instagram that I was talking to him on.
	There's one in Colombia that we met.
	Brian Jung.
	Brian Jung is pretty good.
	I was talking with him, bro.
	I was about to get him on the fucking show, on my old account, and then he got fucking banned, bro.
	Fucking bullshit.
	Yeah, Brian.
	Yeah, check out Brian Jung, bro.
	It's Brian.
	Alright?
	He's good, too.
	Us and Brian Jung.
	So you can't call Brian Jung, though.
	So, he's going to give you general sauce, but we give you the sauce particular for you.
	Your biggest thing, you've got to call Capital One, call them personally, get your credit limit increase.
	After you get your credit limit increase, try to get another card that's going to be a basic card that's easy to get so you can increase your overall credit that you have.
	Does that make sense?
	Try applying with another company.
	Alright?
	Well, you got it, bro.
	Alright.
	Actually, matter of fact, while you're on the phone...
	Hold on.
	While you're on the phone with the guy with the representative, see what cards he can get you.
	Going through them with them actually helps, too.
	So, get your credit.
	Let me increase it.
	Tell him that you're also interested in getting another card.
	Alright?
	Alright.
	I appreciate a shout-out.
	Trump 2024.
	Have a good day, fellas.
	Alright, bro.
	Take it easy.
	And make more money, too.
	You gotta start somewhere, man.
	Yeah, no, absolutely.
	Don't be ashamed, bro.
	Yeah, yeah, yeah, no.
	36k, it's fine.
	You sound like a young guy.
	Yeah.
	We'll get that up.
	So, no, we need name, age, or where you're from, at least.
	Yeah, yeah, yeah.
	You're right, you're right.
	We gotta actually see.
	Yeah, well, that too, because that way we'll tell him what he needs to be focusing on, too.
	Yeah, yeah.
	You know, a 35-year-old, we're gonna give him significantly different advice than someone that's fucking- Yeah, 21 or 18.
	Yep.
	All right, guys.
	Final 5, 605-9740.
	I see some of you guys are donating some stuff here.
	Put the last four digits of your number, and we'll get you on the line ASAP. You will cut the line, okay?
	Once again, if you're watching on YouTube, FNFSuperChat.com, donate that way.
	If you're watching on Rumble, Rumble Rant It In, or FNFSuperChat.com.
	If you're watching on Castle Club, just send a tip in with the last four digits of your number.
	And if you're on X, well, nigga, I don't know what to tell you.
	If you're a...
	Come on over to Rumble.
	Yeah, if you're watching on FNFSuperChat, call out to the show.
	FNFSuperChat.com.
	FNFSuperChat.com.
	Yeah, there you go.
	Boom.
	So, alright, cool.
	Let's go ahead and get this thing going.
	Who's up next?
	We have 4-5-1-7.
	You are up.
	4-5-1-7.
	You are up.
	Okay, good.
	And we got FNF News coming up after 10 p.m.
	for you guys.
	Yes.
	Go on, bro.
	With a special guest.
	Hey, what's up, man?
	Yeah, I just wanted to talk about some crypto...
	So I was seeing over here in Charlie and Miguel, their thing.
	They got the 10K play going on.
	Are you guys in that thing or do you guys know about that or no?
	No.
	No.
	Okay.
	But do you know when they have, when they're going to open up their course again?
	Probably first quarter next year.
	Yeah.
	Probably first quarter next year.
	If you missed it, probably next year.
	Okay, okay, okay.
	But, hold on, hold on.
	Bro, are you a Castle Club premium?
	Yes.
	No, not premium, no.
	Bro, you gotta get in there because we do a Zoom call with them a couple times a month.
	With Charlie and Miguel.
	Okay, okay.
	65 bucks a month.
	Action whatever you want.
	Yeah, literally 65 a month.
	It's cheaper than fucking...
	What coins to buy, when to sell.
	Yeah, it's cheaper than getting the course.
	So, get in Castle Club right now, bro.
	He's already a regular Castle Club.
	I mean premium.
	Yes, yeah.
	She was up, by the way.
	I'm going to get in the premium soon.
	I'm going to get in there.
	I'm going to get in there.
	Probably tonight.
	Do it now, bro.
	Do it now.
	Is it worth it for the American Express Platinum card?
	Is it worth it or no?
	Yeah, worth it.
	Do you travel or no?
	Not a lot, but hopefully soon.
	Then just get yourself, bro, if you don't travel like that, just get yourself a good cashback card, bro.
	Yeah.
	Be honest with you.
	You can do Blue Cash.
	Yeah.
	Blue Cash is a good one if you want to go with Amex.
	The Citi Double Cash Rewards, that's a 2% cashback flat across every single platform.
	That's a really good cashback credit card.
	If you eat out a lot, the gold is good too.
	Amex, gold.
	Yeah, I think they stopped offering me that.
	They started giving me the platinum.
	Yeah, because the thing is, bro, the platinum...
	It's more travel-based, though.
	It's more travel-based, and it's like $600 to $700 annual fee, bro.
	Yeah, it's higher.
	Like, you need to really be utilizing...
	What?
	$675, I was just reading.
	Yeah, so $700 annual fee, bro.
	So you need to utilize all those benefits if it's worth it for you.
	And for most people, I'll just be honest with you, it's not.
	So I'll say for you, maybe a cashback credit card might be the best.
	I always tell people in general, most regular people benefit the most from cashback credit cards.
	Yeah, because you're spending money anyway.
	Yeah, and it won't be a crazy annual fee.
	I guess that's about it, man.
	All right.
	Castle Club Premium, bro.
	Get in there.
	We'll see you later, bro.
	When do we have, on the schedule, Noble, when do we got Charlie Miguel for Castle Club Premium?
	Let me check right now.
	All right.
	Noble will...
	We had them on Sunday, actually.
	Oh, we just had them this Sunday?
	Yeah.
	We just had them this Sunday.
	See, bro, you could have been in there.
	See, the biggest thing is no more coins to buy and when to sell.
	If you know that, bro, it's a W. Yeah, Charlie will be in there.
	So we'll see...
	We got them the 24th.
	The 24th of this month, bro.
	Getting Castle Club Premium now, bro.
	All right, definitely, bro.
	All right, inshallah.
	See you, Rick.
	Yep, 65 bucks a month, bro.
	Cheap as fuck, man.
	You got it.
	It's the 24th of November.
	All right, man.
	Who's up next?
	Yeah.
	505-605-9740.
	Guys, call on to the show.
	By the way, 9789.
	You donated, but you're not in the line.
	So get in there.
	You already donated.
	You donated on Castle Club, but I'm looking for you.
	You're not in the line.
	All right.
	So next up is 5544.
	You are up.
	5544.
	You are up.
	Go ahead.
	Yo, can you guys hear me?
	Yep.
	Here we got you.
	Badass.
	Hey, I just want to let that other guy know too.
	I had like zero credit and I was making about 85 grand a year and I applied to Capital One.
	I got a venture card for 3% cash back.
	Sorry, that was actually my second card.
	The first one I got was the Capital One Saver one, and that one gives you 1.5% cash back.
	So you just got to go through a little bit of research, and like you guys always say, there's plenty of fucking cards out there that will pay you back.
	Yeah, the thing with him, bro, the thing with him is that his credit score is a little too low to get those cards.
	And income as well.
	Yeah.
	Yours is double his.
	For the 1.5% back, I didn't even have a salary position.
	I was a 1099 contractor, and I applied with zero credit.
	And I got that card and gave me like $300.
	To you, you might think it was zero credit.
	Here's the thing, bro.
	Out of free, this is a good card.
	We're getting 3% cash back, and if you spend $5,000, they give you like 40,000 miles.
	So I do travel a lot, so I think that's worth it, but it's a pretty good card.
	Yeah.
	Yeah, you've got to spend that in the first year, though, typically.
	That's like an entry bonus.
	It's like you've got to spend it within...
	A lot of these cards have a sign-up bonus where you have to spend a certain amount of money within a few months.
	So just keep that in mind, guys.
	To get that big mileage bonus that he's talking about, you typically have to spend that money within...
	Somewhere between one to six months.
	Depends on how much.
	Sorry, what's your question, bro?
	When I first started watching you, Myron, you said to purchase everything on a credit card, no matter what it is, and just get the credit going.
	Ever since I heard that advice from you, I literally buy every fucking thing in my life on a credit card that I can and just immediately pay it off.
	Maybe that definitely helps, too.
	Yeah.
	It helps a lot.
	Fresh, do not listen to the fucking haters.
	You are awesome.
	I love the fact that you guys do...
	It's like yin and yang.
	You guys are perfect together, so I love it.
	And thank you very much.
	I heard a guy call in last week, and he was saying that he was from Detroit, and he voted for a bunch of other people, and because he was watching you guys, he voted for Trump.
	So I have a lot of black friends, and you guys have red-pilled all of them.
	Nice.
	W, man.
	Love the guests.
	Love you guys.
	And yeah, talk later.
	Thank you, man.
	Appreciate it, bro.
	Yeah, no, Aaron Clary actually hit me fresh up and he said that we probably brought a bunch of the black vote over to Trump.
	And I was like, damn, you know what?
	You're right.
	Because...
	I would say we're probably the most based conservative black guys on the internet by far.
	By far.
	Yeah.
	No one even comes close.
	I feel like Hot Springs are lighter skinned, so they don't count.
	Yeah, they're the clean version of us.
	They don't count.
	To be honest.
	100%.
	Alright, thank you guys.
	Have a good one.
	Shout out to you.
	Shout out to them.
	We had them on the show, actually.
	But yeah, we're definitely a bit further right than they are.
	Back in the day, it was like, Keith, come here!
	Yeah.
	That show's funny, bro.
	Shout out to them, man.
	Yeah, no, I like the hardest ones.
	But yeah, we're like a...
	I would say they're definitely right-wing, but we're further.
	And they're very funny, too.
	Yeah.
	Awesome guys.
	We're like the crazier version of them niggas, bro.
	The darker versus the crazier versus the niggas, man.
	Shout out to the Hot Swords, man.
	Yo, we need them in the studio here, bro.
	Yeah, no, I gotta get them over here, man.
	They're cool, man.
	Yeah, and they're definitely aware of, you know what I'm saying?
	Them is some real niggas, man.
	Yeah, they're aware of that shit.
	So that's big respect.
	Anytime someone notices of that, I'm like, okay.
	6,595.
	Oh, that's his number.
	By the way, BRT, yes, I did vote for Trump.
	That was the BTS? TTS. Okay, oh, I forgot to mention that.
	Guys, you can also...
	Shit, I need to save this war.
	Our boy, Justin, was like, nigga, I didn't even know you guys offered this.
	Yes, guys, we have Texas Speech, right?
	So if you guys want to get involved in the show and have your chat read out loud, Texas Speech, it's, what's that, 20 bucks or 50?
	50.
	It's 50?
	We need a bigger font on that.
	We need a bigger font and different colors or something.
	Let's put that above.
	Yeah, let's put that above the FNF Super Chat, the numbers.
	Tell us how you really feel.
	And yeah, we can take the Cast Club branding off too.
	Let's congest it on the screen for the ninjas so they know what's going on.
	Yeah.
	Yeah, let's put the TTS there on top of the FNFSuperChat.com.
	So they know, and then obviously let's put the phone number somewhere big where they know as well.
	Who's next?
	Let's go to the TTS guy.
	He's on the line right now.
	Okay, TTS guy.
	What's up, bro?
	And by the way, 9789, I'm still looking for you.
	But for now, the TTS guy, $100.
	Thank you so much.
	Shout out to you, nigga.
	Yep.
	TTS nigga, you're on the line.
	Go ahead.
	What's going on, bro?
	6595, you're up.
	6595, you're up.
	Hey, guys.
	How you guys doing?
	What's up, bro?
	What's up?
	What's your name and where you from?
	Hey, so...
	Hey, so Myron, I've actually spoken to you before.
	It's Lester from On Point Politics, but I was actually just calling in because I wanted to ask something about your real estate portfolio.
	You know, I've been doing YouTube for a couple months now, since January, and I've gotten it up to about 60k subscribers, so I'm thinking of doing that.
	We spoke on X, right?
	We spoke on X, if I'm not mistaken?
	Yes, yes, we did.
	But what I was calling for was, so I started doing this in January, and I'm at about 60k now.
	And so what I was asking is, how did you start getting into real estate?
	Because, you know, I want to start now with Trump being elected and stuff like that, the economy is going to be a lot better to be doing stuff like this.
	Yeah.
	What's your, like, if somebody were to start getting into real estate, what was the best advice you would give them?
	I have my notes ready, so I'll just be writing stuff down.
	Alright, cool.
	So you have two routes that you can go about this, okay?
	You can either buy A, as an investor, or buy B, under the house hacking methodology, right?
	And me and Fresh can talk to you about both.
	When I got my first property, I just got it as an investor, right?
	I said, fuck it.
	I got it as an investor, but Fresh, what he did was he got his under the house hacking.
	So it depends on how much capital you have.
	If you have a lot of capital, I suggest you get it as an investor.
	If you don't, then you could go ahead and get it under the house hacking thing, which house hacking is basically where you get a 3.5% loan, You control the property, but you have to live in the property for a year.
	Now, if you're going to do this, I highly suggest you get a duplex or a triplex, because if you get a duplex or a triplex, you can have your tenants kind of- Pay down equity.
	Yeah, they'll help you bring up the equity, because they're going to be the ones paying your mortgage for you, and you're going to live essentially for free.
	The house hacking method, yeah, you could do it with a single family home, but it's not going to be as effective because you've got to pay that mortgage down yourself or you're going to have to go ahead and have tenants come in and you give them rooms.
	So I suggest if you're going to do a house hacking method, at least try to do it with a duplex.
	But you're here in Florida with us, so you already know that a duplex down here, you're going to need at least half a million dollars to get a fucking duplex in South Florida somewhere.
	Yeah, they're expensive.
	Yeah, they're expensive.
	So for you, you might need to go ahead and do the house acting method unless you got $100,000 to $200,000 that you're ready to invest as an investor.
	So those are the two methods you can go with, but it really depends on how much capital you have ready to put in.
	Yeah, FHA or conventional loans.
	Yeah.
	Either way.
	Which are both going to be 30-year fixed.
	Excuse me?
	I was going to say, whether you get it as an investor or you get it as FHA, it's still going to be a 30-year fixed.
	Okay, I see.
	Alright, and Myron, one more question, and this is, is it fine if I ask you something politically related?
	I know it's Money Monday, but I've been wanting to ask you this.
	Yeah, sure.
	Okay, so obviously I'm more America first.
	I was more liberal back in pre-2020 when I was younger, and now I'm about to turn 20, and I've been more America first.
	I voted for Donald Trump this time around, my first time vote, and I've heard your criticisms.
	I know you're a fan of Donald Trump for the most part, but I've heard your criticisms about him in terms of his Israel stance.
	Now, I am not super familiar with geopolitics, and I've heard stuff from Ben Shapiro.
	I've heard stuff from Nick.
	And I can have my opinions about everybody, but I want to hear from you.
	What is the baseline general relationship as to why you believe it's not in the best interest to – what's the whole thing behind this whole Israel thing with you not exactly approving of it?
	Again, I don't approve any foreign aid to any country.
	I think we need to cut all 4.8, period.
	But I wanted to kind of hear your opinion, because I respect you guys, and I think that your opinion in politics is very valuable.
	And so, what's your kind of stance on Israel and why you are against it right now?
	Okay, that's not really on topic with the show, but what I'll do is I'm going to give you a very abridged version of why I oppose.
	Because, look...
	Foreign policy is one of the most important things.
	It's actually the number one reason why I voted in this election, because only the president really can dictate foreign policy, right?
	The Secretary of State is nothing more than an extension of the sitting president's foreign policy.
	And the other thing, too, is foreign policy dictates foreign conflicts, and foreign conflicts...
	Can't necessarily be staved off by yourself or your, you know, how much money you make, right?
	Like we could talk about inflation and how whether inflation is here or not, you know, if you make enough money, you won't really feel it, right?
	If the president's in or the president, no matter who's in office, if you're poor, you're going to be poor, right?
	It's on you to be successful and like get it out the mud.
	But the one thing that you can't control is if we're in the middle of a nuclear war, right?
	No matter how successful you are, like, you know, us being in a nuclear warfare is going to be a problem.
	So my thing is I'm very...
	I pay a lot of attention to geopolitics because I think foreign relations is something that's extremely important that not enough Americans pay attention to, right?
	Now, with that said, the reason why I dislike our aid for Israel is because we propped them up to be an instigator in the Middle East and potentially drag us into foreign conflicts that we don't necessarily need to be involved in, whether it's through Lebanon, Yemen, Iran, etc.
	Because Iran doesn't really want war with us.
	They really don't.
	Because they know that we're the superpower.
	But what ends up happening is Our allies over there try to stimulate and antagonize a war.
	They've been doing it for several months now by assassinating world leaders, which I've talked about ad nauseum here on our Monday news shows.
	And I'm going to go into this in a little bit more detail, so stay tuned for tonight.
	But that's kind of a very abridged version why I oppose aid to Israel.
	Basically, this skate war is the Middle East that we don't need to be involved in, just like Iraq in 2003.
	Okay.
	All right, guys.
	Thank you very much.
	Thanks for calling in, bro.
	And good luck with your real estate stuff.
	Bye-bye.
	Thank you, brother.
	Bye.
	Thank you.
	Appreciate it.
	All right.
	Bye-bye.
	All right.
	Who's up next?
	We have 1-8-7-8.
	You are up.
	1-8-7-8.
	You are up.
	1-8-7-8.
	You are up.
	Hey, what's going on, guys?
	Yo.
	What's up, man?
	Hey, big time supporter here.
	Quick questions for you guys.
	I have some debt that I've acquired over the last year, I'd say, and a half.
	I just moved back from Houston, Texas, back to Cleveland, Ohio.
	I acquired about eight grand of credit card debt just from living outside my means, and this also goes to show that Guys, do not live with a woman because it will make you soft and you'll be in way more debt than you should be.
	Honey, can we go to dinner tonight?
	Can we go travel next week?
	Before you know it, you're spending thousands, bro.
	Yeah, it fucks you up, bro.
	Oh, it was insane.
	I mean, I had a job at Alpohan and it was doing alright, but, you know, just wasn't paying the bills.
	Alpohan out there in Houston?
	Texas.
	Yeah, yeah, in Houston, Texas.
	Oh, shit, you were working for Christian.
	I was working for Christian.
	I was a big, big supporter of Apple.
	We still am wearing it right now.
	But, yeah, so my biggest question is, so I have about $8,000 of credit card debt.
	I have $3,000 on a Capital One Platinum card, and I have $5,000 on a Chase Sapphire Preferred.
	So should I do the snowball method to take off, like, all the debt?
	So should I do...
	Pay off the chase first, and then whatever I'm using to pay off the chase to roll it over into the Capital One to pay all that off, because I also have a car payment as well.
	But that has been an issue in my entire life.
	Yeah, which one has a higher interest rate?
	I'm pretty sure the chase card does.
	And there's $5K on that one, right?
	So, $5K on that one, yeah.
	And I'm making around $55K a year.
	I'm a bartender, so I do pretty well in the city where I'm at and the bars that I'm working at, so...
	Obviously not ideal money for where I want to be the rest of my life, but just moving back, my whole world crashed out of me.
	Where are you living?
	How old are you, bro?
	I'm 26.
	And where do you live?
	You're probably in Texas somewhere?
	Cleveland, Ohio.
	Oh, you moved back.
	Okay, you left Houston.
	Yeah, I moved back.
	I'm from Ohio originally.
	Family's out here, and I moved out to Houston on a dream to go.
	I was a videographer out in I was a freelance and then things kind of hit the fan for me.
	The fitness niche is kind of dead when it came to fitness content.
	So I kind of lost a lot of the market and then acquired a lot more debt because of it.
	I've been telling people that too.
	If you want to get into fitness YouTube, you need an accessory niche because fitness is a dead genre on YouTube nowadays.
	I think people just don't care anymore.
	I didn't care about the camera on me.
	I didn't care about the camera on everybody else.
	So, but yeah, the fitness realm is completely dead.
	Um, I was offered to be a trainer there, but I, again, it wasn't, wasn't in the cards for me.
	Okay.
	So you think I should make the payments for the chase first and then move it onto the capital?
	Yeah.
	The other thing you can do too, bro.
	Well, the other thing you can do, if your credit is somewhat decent, you can also roll that debt into another credit card.
	That was my next question.
	So I had a 790 when I was in Texas, and then when, obviously, with, like, acquiring all the debt, and my cards were basically maxed out from having to move back and traveling and everything, it tanked it down a lot.
	So I'm sitting at, like, a 6...
	I'm, like, at 630.
	Shit.
	Because I couldn't...
	It took me three months to move back and forth, traveling back and forth, getting out of the weas, and the weas took a dink of my credit.
	Yeah.
	I'm having to break that early.
	Are you with your folks?
	Are you with your folks?
	Do like a breakup.
	So...
	No, I'm not with my girl.
	No, no, no.
	No, no, no.
	Your parents.
	Are you with your family?
	Oh, yes, yes.
	Good, good.
	All right, bro.
	So this is a strategy.
	If I were in your shoes right now, right, this is what I would do.
	I'll pick up another job and make more money.
	55K, though you're in Ohio and that's not bad in Ohio, I would pick up another job and make more money, right?
	And the good thing is with a bartender, it's fairly flexible.
	You're probably working nights and weekends.
	So pick up another job that you could work during the day.
	Now, this is going to suck, bro, but you're going to have to grind and make as much money as you can because your number one objective is It's going to be to pay this debt off because this, you know, consumer debt on credit cards is absolutely going to fuck you up.
	And you can see, look, it's dragged your credit down over 100 points.
	So we need to get this down.
	Now, the other strategy you can employ, right, to kind of make this a little bit better is you can go ahead and get another credit card that has maybe like a zero intro APR for a bit, and you can roll that debt over.
	Now, there's certain credit cards that you can do this with.
	I would do some research and figure out which card, because I can't think of one off the top of my head that is specific for this situation.
	But you can absolutely go ahead and get another credit card.
	Your credit score sucks right now, so you're going to have to probably get one of these shittier credit cards.
	Well, if you go find one that will allow you to roll your debt over, which a lot of them do, and maybe have some kind of intro APR where you don't have to pay that balance, that will give you time to pay that money off.
	And bro, the next six months, you need to be literally dedicated and devoted to paying that debt off, because this credit card debt is going to eat you alive and fuck you up and keep you away from a lot of opportunities if you don't get this under control now.
	Because you're at this middle ground, right, where first it's like $3,000.
	Then it gets to like $5,000.
	Then it gets to once you break $10k, that's when shit can really start to spiral.
	And you're right there at that cusp, bro.
	If you don't fix this now, this is going to drag on for years, bro.
	Drag on for absolute years, and you're already probably starting to notice this.
	I just had Rocket Money actually just showed me a thing, because I used Rocket Money to do some budgeting, and it showed I paid over like $600 worth of interest, and that like woke me up, and then I saw you guys were having a call-in show, and I had to call and get some advice, just because I did not know where to go from here, because...
	The credit card companies, bro, they don't want us having this conversation with you and paying the debt off, because they actually make money on interest the longer you sit there.
	They want you to hold that balance, so they can just fucking collect interest, and you're not paying down your principal.
	They beg how you're not paying.
	They bank on that shit.
	They want you to not pay at all.
	By the way, there's some cards you can actually transfer your balance to.
	Capital One's Quicksilver Cash rewards card.
	You didn't qualify for that though?
	His credit score is down.
	I've had a Capital One card for, I think, going on six years.
	I've had a good, you know, I've been good with them.
	I've had an on-time payment.
	I've never had a late payment before.
	Yeah, with history, it might help you, but a more fair card you can use, which is kind of like, in your range, a City Rewards Plus card.
	A 0% interest for 15 months, and APR is 28% once you've got to pay after that year.
	And $0 annual fee.
	And it's a fair amount to get that card.
	What's the name of that card, William?
	City Rewards plus card.
	And he can roll it over?
	City Rewards plus card.
	Okay.
	There you go, bro.
	And these niggas aren't paying us.
	Fresh is researching this for you right now.
	Brother, it's very simple.
	I appreciate it.
	That means a lot.
	You got this, bro.
	We want you to win.
	We don't want none of you guys to get crippled by debt, bro.
	I'll tell you this, man.
	When you pay off your debt, bro, it's like a weight lifted off your shoulders, bro.
	You feel great.
	You feel amazing.
	You feel free.
	And once again, niggas start investing money into assets that you want to invest into because you're free of debt.
	You have money now in your pocket.
	So step one, bro.
	Pick up another job.
	Step two, you're going to go ahead and try to get this credit card and do a balance transfer over.
	And then you're going to aggressively pay this shit down.
	Just because you're not accruing interest doesn't mean you're not going to pay it down.
	We're just trying to stop the bleeding a bit where they're not killing you on interest rates.
	That's why we want to roll it over.
	Hopefully they allow you to do it.
	If they don't, Fine.
	Just pick up the other job and pay it down anyway.
	But the point is that you need to pay this down aggressively, bro.
	Set a deadline for yourself.
	Three months, man.
	Three months completely debt-free.
	That means you're going to have to fucking work a lot.
	It's going to suck and you're not going to spend money or be out having fun.
	But it's fine, bro.
	90 days, I need you to lock in and knock out this debt, bro.
	Because this shit is going to fuck you up into your 30s if you don't take care of this now.
	Yeah.
	You want to buy a property?
	You're literally staring at the abyss and you're right there about getting sucked in.
	You want to get property, get a nice apartment, get something really nice for your family, get a nice car.
	Bro, you're fucked.
	You can't do shit, bro.
	You won't be able to do shit, bro.
	You have to handle this now.
	And you're with your folks, which is good.
	Don't be ashamed of it.
	It's fine.
	Take 90 days lock-in.
	Alright?
	I want you to call in in 90 days and you tell me I'm debt-free.
	I'm the bartender that I used to work at Alpha Land.
	So how much money would you say, once everything's paid off, how much money would you say Should you have to be able to move out comfortably into an apartment or buying your first house?
	For you, bro, one year.
	One year for you.
	One year?
	Okay.
	You need one year of whatever it would cost you to live.
	If you lost your income right now and you didn't have any money left, I would want you to not leave your parents' house until you have one year of savings.
	That could take care of you.
	Bro, how old are you?
	26.
	26?
	I'm 26.
	Okay.
	Ohio.
	That's cool.
	So yeah, one year, bro.
	So you're probably going to have to spend...
	Two years with your folks, which is fine.
	Nothing wrong with it.
	You'll be out by 828.
	You need to buckle down and grind, bro.
	I'm serious.
	No bitches, no alcohol, no partying, none of that shit.
	I know you're a bartender.
	You're going to be that bartender that doesn't do shots.
	Just listen to me.
	You're going to be that bartender.
	Where they're gonna be like, oh yeah, do a shot with us, and you're gonna put water in your shit.
	No alcohol for you.
	Two years, bro.
	Two years.
	I already don't drink as is.
	Good.
	I just don't.
	There's no point of it for me.
	Good.
	Good.
	Bro, you're in a hole?
	We just gave you the path to get out?
	You can get out?
	Right?
	But if you don't fix this now, I promise you, you're going to be in debt into your fucking 30s because you're right at that fucking cusp right there, man.
	Once you have 10K in debt, it's just going to spiral out and you won't be able to control it no more.
	I'll tell you this, though.
	The first step is to ask for help.
	I want to call you guys just to get some information, just to get some help from you guys.
	So I really appreciate you guys.
	I don't want to help any other callers.
	I want to make sure you guys can get everybody.
	What's the name of that card one more time?
	City Rewards Plus.
	City Rewards Plus, bro.
	City Rewards Plus, alright?
	I would love to come down and help you guys out.
	So...
	All right, bro.
	Fix that debt first, though.
	All right, man.
	Appreciate you.
	Thank you, guys.
	Love you, guys.
	Appreciate it.
	No problem, bro.
	Cool.
	Okay.
	I'll tell you this, though.
	The first step is recognizing that you're in debt and then addressing it full on.
	The biggest step is calling in and being vulnerable like that.
	It sucks, bro.
	Looking at your accountant saying that, you're in debt, bro, sucks.
	It sucks.
	Big time.
	I've been there.
	I know what that's like.
	Shit.
	Who's up next?
	You guys liking this format?
	I think it's cool.
	I think y'all liking this.
	Some gems being dropped here.
	Because some of y'all are probably in the same situation as some of these guys.
	I'll tell you this.
	Keep it a thousand with you.
	If I didn't tell you this shit.
	Yep.
	That's what we call him right now.
	Yep.
	Or a big bro.
	Yeah.
	Or uncle.
	And again, guys, 50 text-to-speech, FNFSuperChat.com.
	If you're watching on YouTube, FNFSuperChat.com.
	Go ahead and put the last four digits of your number.
	We'll get you in.
	If you're watching on Cast Club, tip there.
	If you're watching on Rumble, Rumble Rant In, or FNFSuperChat.com, FNFSuperChat.com works for anybody, no matter how you're watching, whether you're watching on X or any of these platforms.
	But, you know, obviously on Castle Club and Rumble, it's a bit easier to just do it right there on the app.
	515-605-9740, guys, is the number to call.
	We got Carlos Valencia who put his full phone number in there.
	This is crazy.
	God damn, my boy!
	Okay.
	Talk to yourself.
	Alright, who's up next on the list, Mo?
	Yo, why you do that, man?
	2245, you're up.
	2245.
	I ain't calling you, but some weird nigga might call you.
	Yeah, welcome to the Nick Ramsey Show.
	We should be calling this the Nigga Ramsey Show.
	Oh my god.
	That's not marketed, bro.
	Nah, nah, nah.
	It's funny to us.
	What if he's white?
	Oh, these guys are niggas.
	I don't want help from them.
	Alright, go ahead, bro.
	What's your...
	You guys can hear me?
	Yeah, we got you, bro.
	Yeah, we got you.
	Okay.
	Yeah, I'm a big fan of the show.
	My name's Devontae.
	I'm from California, 28th.
	Speaking on debt too, I'm 13k in debt right now.
	I'm out here in Cali, but I've got a plan to pay it off by April.
	But my biggest question right now is, I'm starting out a YouTube channel, and how do you guys do it starting out?
	I know I'm not expecting to grow overnight, but what's the main thing you would say to start that business?
	What's the main thing I need to prioritize, basically?
	Is it the content?
	What exactly is it?
	Well, we don't know what you're going to make for content.
	Yeah, what are you going to...
	Oh, sorry.
	Basically, just like a satire kind of channel making fun of all these woke lefties and shit like that.
	Alright, so you're going to basically be like libs of TikTok on YouTube, essentially.
	No, not like with the TikTok.
	I don't think she does commentary.
	I'm just going to be like roasting like Hassan and fucking eating client shit like that.
	Yeah, so it's going to be a political commentary show.
	Yeah, or slash culture.
	Bro, that's a very...
	Hold on, hold on.
	You want to make money or you want to be right?
	See, see, you can't really do both, my friend, unless you're like popping.
	Like, bro, I'll keep it real with you.
	The business angle of this, bro, you want to make money or you want to be right?
	I'm asking you right now.
	Which one do you want?
	Um...
	I would say I want to make good content, and if money comes, money comes.
	Okay, so you don't care.
	Awesome.
	Well, go for it, my friend.
	But keep in mind, brother, when you start...
	Right-wing creators are significantly...
	You'll be demonetized or heavily silenced or banned.
	But do keep in mind, bro, bro, hopefully with the new Trump administration, that might change a little bit, but we don't know yet.
	We're still waiting to see what happens.
	But all in all, bro, it's simple.
	You plan a schedule for content...
	From A to Z. I would say, bro, is you plan three months in advance, if possible, have topics for each day, and do at least three times a week, at least.
	We used to do Monday, actually, we used to do every single day, seven days a week, at the very beginning.
	But, most people, you know, that's not actually going to be a thing for you.
	So, at least three times a week, you can plan out, maybe the Tuesday, Thursday, Saturday, or Monday, Wednesday, Friday, whatever works for you.
	You pick a topic for each day of that week.
	Or, for example, videos to react to.
	Now, Once that's done, and you start making videos, start doing clips as well.
	So you do clips and videos as well on that channel, and then when you hit, like, let's say you hit, like, 50 to 100k, make a second channel for clips only.
	Because you want to expand, once you get a fan base, to clips, because I feel like clips nowadays, bro, go further than any other videos because shorts and clips, or people digest mainly because right now, bro, Yeah,
	if you're gonna be a right-wing creator Understand that you're gonna get suppressed on YouTube, you're gonna get banned on TikTok, you're gonna get...
	Censorship is par for the course if you're right-wing, bro.
	I'll tell you this, bro.
	Most creators that try to do what we do, it's not going to work.
	The policy that he just announced about free speech, or about, I guess, regulating Google, I'm kind of hopeful that you guys do.
	It kind of affects you guys, too.
	We got to see, brother.
	It sounds good on paper, but in actual reality, bro, it happening in real time.
	We don't know, man.
	We don't know yet.
	I'm not banking on it is what I'm trying to tell you.
	I'm glad that Trump is in, but I'm not banking on people getting their channels back or getting re-monetized or any of that other stuff because it's tough, bro.
	Anytime you make content that's right-wing, you're always going to get suppressed by whether it's the mainstream platforms, bro.
	It is what it is, unfortunately.
	And then also, you're going to have to grind, bro, because a lot of people make that kind of content, so you're going to have to really fight to get noticed because it's a saturated market, man.
	But in short, three things.
	Do you already have a social media platform or no?
	No, I just made it recently.
	I just made the YouTube, the Twitch, and the Instagram.
	But I have no followers, though.
	Time to start it.
	But bro, post everywhere.
	TikTok, YouTube, Instagram, X as well.
	And keep in mind, again, this is where you gotta...
	You know what?
	This is for everybody.
	Three things.
	Content-wise, have a schedule.
	Number one.
	Be consistent every single week.
	Don't miss days.
	Number two, have a plan of action.
	To do collaborations because you by yourself are very smart at the very beginning.
	We could pay for collaborations or, for example, have friends in the industry like us or somebody like that, and they collab with you in the future.
	And then three, understand that this line of work does come at a cost.
	And look, We're all about free speech, but guys, it comes with free content courses too as well.
	So keep that in mind, in essence, because right now, guys, this type of content is very, very shadow ban on most platforms.
	So that right there is going to be your main obstacle for this content creation, bro.
	Just keeping it real.
	Damn, yeah.
	Yeah, I'm aware of that.
	I mean, I do commercial real estate and I have a job that I do too.
	So I'm just like, I just want to get involved in the sphere.
	You know, I want to just basically just enter that realm now.
	Well, if you are done for the course, bro, shout out to you, man.
	Yeah, we just want to warn you.
	I just wanted to warn you, like, because I'd be...
	That is true that you mentioned that, Fresh, because we don't want you to get into this thing thinking you're going to make money, and then, like, you get demonetized, or they fucking take down your accounts and shit like that without us warning you.
	So, you know, just keep in mind that that could happen as well, bro, right?
	Yeah, yeah, thank you.
	No problem.
	Okay, who's up next?
	Alright, we got...
	2, 4, 8, 1, you are up.
	That's so true.
	Do you want to be right or do you want to make money?
	That's so fucking true.
	2, 4, 8, right, you are up.
	2, 4, 8, 1, you are up.
	Monos.
	This nigga has a shit plan.
	Yo, pause the video in the back, bro.
	Please, if you don't mind.
	And I know he can hear us.
	This guy here?
	Bro, we can hear you and your screen, brother!
	Alright, move on to the next person.
	Next caller.
	He's gonna be like, damn.
	Snicket, bro.
	I missed the train.
	Yo.
	Well, he's gonna see now because he obviously has a show on playback.
	Yeah.
	Bro, unmute us in the back and then be ready on the phone, guys.
	Alright?
	Oh, he's up.
	Okay.
	Guys, by the way, when I speak sometimes, just lower the speed to like negative 2.5.
	If I'm going too fast, my bad.
	What's up next?
	6283, you are up.
	6283, you are up.
	What's up, guys?
	Can you guys hear me?
	Yep.
	That's your question, bro.
	Alright guys, so I've been working my first sales job.
	I just passed over a year.
	As of now, I'm 23 and I have acquired the top salesman position.
	W! Good.
	As of my year to date.
	Thank you guys.
	How old are you, bro?
	23.
	What was that?
	How old are you?
	23.
	Cool.
	Awesome.
	Go ahead.
	So my year to date, as of now, I've just passed over six figures.
	But this is my question.
	I work in a non-luxury dealership right now, car dealership.
	I have the opportunity to work at a Porsche dealership.
	My question is, do I stick as a big fish in a little pond and stick where I'm at right now?
	Or should I look to go to this luxury dealership?
	Yeah, it's gonna be a little difficult to make money in the first couple months, but then long term, I could see More money, more connections with clients, and just a...
	A higher level environment.
	That's my question for you guys.
	This is your wheelhouse right away.
	A lot of times, guys, this choice is going to be based off your actual goals and what you actually want to achieve.
	So let me ask you this, brother.
	In this case, do you want to have multiple rich clients you could talk to, network with, and have collaborations?
	Or do you want to stay in a small pond where actually you can have a hierarchy where you're at the top, but your clientele is going to be not that influential or affluent?
	What do you want?
	It's nice to make the money and be at the top, but I think I can be at the top wherever I go.
	That's just the mentality I have.
	The other point you brought is that the high-level clientele, I think that would be great to have in the future.
	You and your networking, you know how important it is to have those connections.
	I like to think the same way about that.
	So, you just answered yourself, brother.
	Now you know what you want to do.
	But keep in mind, though, this is why I said to everyone, make two columns on a piece of paper, pros and cons of each choice, and then weigh them out to see what's better for you.
	But you already told us what you want to do.
	And I think for Portrait Stealth, bro, this brand is tested and true, and it's been there for years.
	So Portrait Stealth, bro, is going to sell no matter what happens.
	The thing is, though, is when we get the connections that have the, I want to say, advantage for your career is going to be important.
	So, I would say, go to the dealership, look around, see what they're about, and just ask questions.
	Hey, brother, how long have you been here?
	Where are you from?
	When did you start?
	And you'd be surprised.
	They'd be like, yo, bro, sign up.
	I'll train you while you're here.
	You find a mentor in that space, they train you, bro.
	He probably already has a job lined up, though, is what it looks like.
	You got a job lined up with Porsche?
	I don't think so.
	I do have a connection that could put me on and I think I'd kill the interview without a doubt.
	Okay.
	Well, in that case, bro, I don't see why not.
	You think you should do it even with the car market down like this?
	100%.
	Because the thing with that clientele, Porsche is Porsche.
	So no matter what happens...
	Okay.
	By the way, crypto's up.
	So what's going to happen?
	More cars are going to sell.
	When the market's down, people don't really buy.
	When it's going up, people buy all the time.
	But that clientele, guys, has money forever.
	So they're not going out of business anytime soon.
	Okay.
	Yeah.
	All right.
	So there you go, bro.
	Sounds good.
	And I also have one more question...
	Kind of tying in with that is more about investments.
	I have about $60K in a high-yield savings account from this one year of grinding.
	I do live at my parents' house, so I'm blessed because of that, and I don't have to pay rent as of now.
	How would you split your income into either what goes into a savings account or what goes into investing?
	Percentages you guys would give me at the top of your head real quick?
	Invest as much as you possibly can.
	If you can invest 50% or more of your income, bro, or save it, that's what you want.
	I mean, you live with your parents, bro.
	You should be able to put 80% away.
	Got it.
	That should be your goal.
	80% goes immediately into some type of asset class that will make you money back.
	All right.
	Got it, man.
	Cool.
	Thank you.
	Thank you, Meyer and Fresh.
	I appreciate you guys.
	All right, man.
	You're on a good path, bro.
	23 years old already killing us.
	So let us know how the Porsche thing goes, all right?
	But before you make that jump, bro, the money you've made, bro, just stock it to the side.
	And if you can, like I said before, find a mentor in there that you probably already did.
	Asking questions, get the full breakdown, what it's like working there, and then go for it, bro.
	Because I'll tell you this, bro.
	The clientele that you meet over there can introduce you to making investments, different events, and even give you a job themselves.
	You never know, bro.
	If they like you especially, you're likable, you can go very far.
	All right.
	Appreciate that, Fresh.
	I appreciate you, boys.
	Thank you guys so much.
	Shout out to you, bro.
	No worries, bro.
	Who's up next?
	I love cars, man, but God, they're expensive.
	Goddamn.
	Holy shit, dude.
	248.
	Still driving my Honda, man.
	Yeah.
	But networking-wise, it does give it a benefit.
	Let's try this again.
	2481, you are up.
	2481, you are up.
	Go on, bro.
	Can y'all hear me?
	Yep.
	Shout out to you, bro.
	Yep.
	All right.
	I am a longtime viewer of the show.
	I really love you guys.
	Turning 24 next month.
	Myron, I hope you got your notepad ready because this is kind of a detailed question.
	I am $100,000 in debt.
	I'm living at home currently.
	It's student loans.
	I'm the pilot, so I paid for college myself.
	So I'm living at home currently, making about $100,000 a year, except for, here's the thing, I'm on leave right now, so I'm not actually flying, but once I get back in the swing, That's what it'll be.
	Let's talk about this debt real quick.
	You said a student loan debt.
	Who controls your debt right now?
	Is it probably Navient?
	Or is it probably Sallie Mae when you took it out?
	Or who controls it now?
	It's actually a private loan.
	It's a private loan, so it's 6.6% interest.
	Okay.
	It was a private student loan, because that's kind of low, so that would be kind of for a student loan.
	So it wasn't like government or anything else like that, private loan.
	The whole $100,000, you took it for school?
	Yeah, yep.
	It was all used for school to get my bachelor's degree and flight ratings.
	Okay.
	Who do you work for right now?
	Is it a government entity or not?
	No, I work for a company.
	We fly for actually all major airlines.
	So it's one of the regional companies, an airline.
	Commercial.
	It's like Delta, United, Alaska, those guys.
	Okay, and that wouldn't qualify under public service, right?
	Ooh, that's actually a good question.
	I should write that down.
	See where I'm going with this?
	Because here's the thing, there's something called public service loan relief, right?
	For people that have a job in government and or for the state.
	So I don't know if the agency that you work for would qualify under that.
	Maybe not because it's probably a private entity.
	But if you have public service and you make payments for 10 years that qualify, the rest of your loan is forgiven.
	If you're a public service, what are they called public service?
	Like repayment?
	Yeah, 10 years of basically 365 payments, or 360 payments, 10 years of...
	365, whatever.
	Either way, 10 years of payments on time, qualifying payments will allow you to get the rest of your loan forgiven.
	But I don't know if that would qualify.
	PSLF, someone put in the chat.
	Okay.
	But it's got to be a federal loan.
	Oh, yeah, you're right.
	They said your loan must be a federal loan.
	Yeah, yeah, yeah, you're right.
	Well, you're earning $100,000 per year.
	What's your monthly payment like?
	So the minimum payment is only $1,000 a month.
	And so I've been trying to do that and then save.
	I've got a high-yield savings account.
	So that 4.5% interest that you make a year is really bringing that 6.6%.
	Um, off the student or off the student loans down to really like 2%.
	So I'm trying to pay the minimum payment and then save like another thousand dollars a month.
	Um, and so I can get, you know, some kind of asset and get moved out.
	But that was where, you know, I was relaying this question to her parlaying too, is when do you think would be a good time for me to move out?
	Cause right now, man, I'm really just paying a car payment and then the student loans, like the only, and then obviously like, you know, some food here or there, whatever.
	Bullshit, but that's really my only obligation is like a car payment and then the student loan.
	Yeah, man.
	I would say stay at your folks' house as long as you can, bro, and see if you can.
	So you got two options.
	I see what you're doing here.
	You're putting money into a high-yield savings account because you look at it like you're going to make some money back and then you'll be able to.
	So let me ask this.
	Are you putting this money into this high-yield savings account on the hope and premise that it's going to be returning and you're going to take that money and use it to do a lump sum payment on your loan?
	No, I'm thinking, I was thinking to acquire like a duplex or something after, you know, however long it takes to save a good amount, to put the 3% down, house hack it, and then have enough for, obviously, reserves, right?
	In case anything went wrong with the property.
	Okay, so what's your plan to pay this thing off?
	Just make monthly payments for the rest of your life and just have it be another bill?
	Or were you planning to acquire a real estate asset, let the equity build in it a bit and then take that equity and then dump it into this loan and get rid of it?
	What's your strategy?
	Yeah, so the thing with aviation, as you know, you can easily make $300,000 and I'm probably about five to seven years off of making $300,000 plus a year.
	And so basically make minimum payments on the loans for let's just call it five years then stack the other thousand bucks a month till I can get a property and then He's basically kind of giving us his strategy on what he wants
	to do.
	Look, that's a way that you could do it.
	You could do it that way.
	Because basically what he's saying is that he makes only $100K right now.
	That's not enough to knock off this $100K loan.
	He wants to make more money, put money into Sammy's account, buy property, and then live in that property.
	Here's the thing, bro.
	You're going to make more money But are you going to be able to aggressively pay down your debt like you think you will be?
	You probably won't be able to, because remember, your costs are going to come up.
	Yeah, you'll make more money, but your costs are going to come up.
	So you're going to be pretty much a square one.
	Like you are now.
	If I house hack it, though, if I get the property and house hack it, then not really, right?
	Because then I'm not really paying to live there.
	Okay, but let me ask you this, because a lot of people say they're going to do this shit.
	You're going to be making $300,000 per year.
	Are you willing to go ahead and put your money into a house and then live like you make only $50,000 to $100,000 per year?
	Are you going to actually commit to that?
	Because that's what's going to end up happening.
	Yeah, you're going to live in a house, but it ain't going to be some fucking mansion.
	You're probably going to live...
	You're going to buy a car?
	You're going to buy a duplex or a triplex?
	Yeah.
	You're going to have to fix it up.
	It's not going to be in the best area a lot of the time so that you can get it at a good affordable price.
	You're going to have to live in it for a year.
	You're going to have tenants and you're going to have to deal with them.
	Are you prepared to make that sacrifice and live like that for a year or two?
	I would live like that for longer because that's why I love you guys.
	I grew up with single moms.
	Where do you live?
	What state are you in and city?
	I'm in Austin.
	Okay, so what, you're gonna pick up a house somewhere like in New Braunfels or some shit like that?
	Uh, Del Valle, actually.
	Close to the airport.
	Alright, well, whatever you do, just make sure, cause you live in one of the most inflated real estate markets in the fucking country right now, in Austin, Texas.
	So, um, and who knows what the fuck is gonna be in a couple years from now when you actually try to procure yourself a house.
	So, just try to find it a good deal.
	That's not a bad plan, though.
	It's not a bad plan.
	I mean, yeah, yeah, you're just gonna, like, the thing is, bro, your strategy can work.
	It's just, you're gonna have to be super fucking disciplined, dude.
	I'll say this, guys.
	My strategy works because if you don't spend a lot of money, bro, and you save it and invest it, you're going to win.
	Yeah, but you're going to have to live...
	And the rents, actually, the rents, too, here have been coming down, actually, because, like you said, there's so many places to live here that they're actually starting to come back down.
	You guys are going through what Florida's going through.
	You guys are going through a correction just like us.
	Because Austin was an even hotter market than South Florida.
	So, yeah, bro, that strategy could work.
	Like I said, just focus on making as much money as you can.
	Save as much money as you can right now with your family.
	Make the payments.
	$8,352.
	And then you can go ahead and pick up that house.
	And then hopefully also, the equity that you're going to build from having that house, that will also allow you to make maybe a big lump sum payment and pay off all your...
	Yeah, you can pull it out on a heel lock or some shit.
	The final question I have for you, Myron, on this is, would you consider...
	Because like I said, I'm going to be only 24 next month.
	Would you consider giving away five years here from 24 to 29?
	because, like, my mom literally said, like, hey, you could be at home until you get out of student loan debt.
	Would you consider doing that just to get out of student loan debt before moving out, and that way I move out?
	Like, I sacrificed my 24 to 29, but then I come out at 30 with, should I have over 100 grand in the high-yield savings account debt-free?
	Like, I'll hit the open market at 29.
	Bitch, I'm rich, and I'm fine, and I'm strong.
	Like, what the fuck is that?
	Yeah, bro.
	Absolutely do that.
	Absolutely do that, man.
	Your 20s are literally a building block so that you can live a better life in your 30s and 40s, bro.
	Yes, absolutely.
	I didn't get out here to Miami until I was damn near 30, and I didn't really start living life until I was about 30 years old.
	So yeah, bro.
	Absolutely do it.
	Sacrifice and grind.
	Pay down that debt as aggressively as you can, whether you want to do it through making the monthly payments or by doing a lump sum payment by you putting a bunch of that money into this high-yield savings account and then pulling it out later to make a payment.
	Whatever it is, just stay at home as long as you fucking can and knock this debt down, right?
	Okay.
	And that 6.6 is locked, right?
	Yes, sir.
	Not changing.
	Alright, not the worst.
	Not the worst.
	That's a good plan.
	Yeah, it's not the worst.
	And then also keep in mind, when you get that property, you can also do a cash out refinance if rates come down.
	Let's say you can do a cash out refinance at 3%, 4%.
	Well, that's better.
	Then it might make sense for you to go ahead, take that cash out, pay your fucking debt down, and you're paying a 3% interest rate versus a 6% interest rate.
	Does that make sense?
	So using real estate to help deal with your fucking student loan debt might be the way to go.
	Because real estate debt, a lot of times, is going to be a bit more competitive.
	6 isn't terrible.
	6.6 isn't terrible, especially on a private loan.
	But yeah, dude.
	Alright?
	Thanks for the sauce.
	Appreciate it.
	No worries, bro.
	Alright, let's get to the next person.
	Any paid callers?
	These all have been paid callers.
	Because it's almost time for Deep State.
	Yeah, we're not going to go until 10 for the news.
	Cool.
	We got a little bit of time.
	But yeah, someone sends a TTS in.
	He's actually in here.
	Okay.
	Let's go.
	TTS nigga, what's up?
	8352, you are up.
	8352, you are up.
	This is a good show, man.
	Calling a show.
	Yeah.
	For Money Mondays.
	Yeah.
	I'm telling you, man.
	No, no.
	That nigga's white, bro.
	We're not like him.
	We're different.
	We got to call it the nigga-lation something.
	Okay, no.
	Let's leave nigga out of it.
	Let's call it...
	Black.
	Hold on!
	I got it!
	Black Money Mondays.
	We're not black, though.
	That's better.
	According to them.
	Okay, how about...
	I was going to sit with everybody.
	Alright, go ahead, bro.
	I hear you're on the line.
	Hey, Myron Fresh.
	How you guys doing?
	What's up, man?
	What's up, bro?
	What's your name and where you from?
	Give us a name for this show, man.
	And age.
	Hey, my name is Raj.
	I'm 26.
	I'm out here in California.
	Your name is Raj?
	Hey man, quick question.
	So, like I said, I'm 26.
	I watched your guys' episode with Miguel and Charlie.
	I invested in cryptos, man.
	And now my portfolio is like six figures.
	W, bro!
	I just want to say thank you.
	Yeah, I just want to say thank you.
	His name is Rajneet.
	You can't make this shit up, man.
	Nigga's name is literally Rajneet.
	Hey, do you want a cassation?
	Nah, nah, nah, nah.
	Darn it.
	Okay, cool, never mind.
	I need some coconut water, bro.
	But yeah, so congratulations on your six-figure portfolio, bro.
	That's a big feat, my friend.
	Congratulations on that.
	Good job, bro.
	I'm glad that you took action when you did with the crypto.
	Thank you to you guys, man.
	Awesome.
	Caller, I remember when people said, you guys are scamming us, bro.
	Crypto's dead.
	And we told you guys, listen, we're going to tell your experts.
	They've been doing this shit for years.
	They predicted a loss that came through.
	And the course is very extensive, guys.
	You get to learn what coins to buy, when to sell, when to actually buy these meme coins.
	And if you do it correctly, what he did, six figures in your account.
	Boom.
	So Raj, what's your question, bro?
	Hit us.
	Go ahead.
	Do you guys think I should pull that money out and reinvest in a house?
	Because, like I said, I'm 26.
	I already have four houses.
	I watched you guys this episode with BiggerPockets.
	Man, I followed that step by step, you know, use the house hacking method.
	So I was able to buy four houses.
	Come on.
	Thanks to you guys, man.
	Thanks to you guys.
	You see what happens, bro?
	We do Money Mondays.
	Niggas are like, oh, bro, you don't get views on this show, da-da-da.
	We follow the Money Mondays that we do, take the advice, and actually implement it, bro.
	Six-figure portfolio for real estate properties.
	Let's fucking go.
	So when niggas say, oh, bro, we can't afford CC Premium or CC, you don't follow the advice, bro, because if you did, you'd make money right now.
	Yeah, that's just off the free advice, too.
	Yo, so this is what you do, bro.
	Don't touch your crypto.
	Let it stay.
	Don't touch your crypto, bro.
	Alright?
	That's my advice to you.
	It's gonna keep pumping for over the next four years.
	Don't touch it.
	Also, I would verify when Miguel and Charlie went to sell or went to buy.
	Yeah, especially if you got...
	Are you mostly in Ethereum and Bitcoin?
	It's mostly Ethereum, but I have a little bit of Bitcoin, but I would say 80% Ethereum, 20% Bitcoin.
	Yeah, don't touch it, bro.
	Let it keep pumping, man.
	Let it keep pumping.
	Just take that income that you make.
	If anything, pull equity out of your houses to get another house, but don't touch your crypto, bro.
	Let it sit.
	Let it sit, okay.
	I mean, the funny thing is, I didn't have to get in the course.
	I just re-watched all the episodes you guys did with Miguel and Charlie, and There you go.
	Free advice, by the way.
	Thank you so much, you guys.
	No, man, I'm happy to hear that, bro.
	I've thought myself, I've looked at my portfolio and I'm like, damn, I could go get a house.
	No, man, let us sit there, bro, especially since you're in two asset classes that are very powerful, Bitcoin and Ethereum.
	Because those are going to be what I call the guardrails, the training wheels for the whole crypto push.
	So, no man, keep your money.
	Let it sit there.
	It's going to keep pumping up.
	It's going to keep going up.
	Hold, right?
	Diamond fucking hands in this case.
	And if you want to go ahead and procure another house, take some equity out of that real estate instead.
	Whether it's through a cash out refi or a home equity line of credit.
	And pick up another house.
	But don't touch your crypto.
	Let it sit there, alright?
	Don't touch it.
	Alright, man.
	Thank you, man.
	And for all you guys' viewers, man, go back and watch the episodes they did with BiggerPockets.
	It's a gem.
	Hey, man.
	We got you, bro.
	I appreciate that, my friend.
	Hey, man.
	WBG in the chat, bro.
	Yeah, shout out to you, man.
	WBG. Thank you for calling into the show, bro.
	Who do we got up next?
	Did he donate again?
	Who do we got up next?
	How old is he again?
	26, bro.
	What does he do for a living?
	I didn't ask him what he did for a moment.
	Yeah, what do you do?
	Oh, bro, I work at a healthcare facility.
	I'm a patient care technician, so there's a lot of overtime.
	And then, like I said, I watch you guys' Money Mondays.
	And, man, just following your guys' advice, trying to follow in Myron's footsteps.
	Awesome, bro.
	Hey, nigga, what about me?
	I'm too black for you, bro?
	Come on, man.
	Hey, you too, Fresh.
	Hey, man, you get a lot of hate, man, but people really underestimate how much value you bring to the show, man, especially on, I think, Money Mondays and Womanizer Wednesday.
	That's where you really shine, man, because I follow your advice on, like, Instagram and stuff.
	Yeah.
	It really helps.
	Listen, bro, I know you don't know me that well, but what I like is ass and money.
	That's it.
	And cars, too.
	You know what I'm saying?
	I'm true to myself as a nigga.
	Alright.
	Who's up next?
	Thanks, bro.
	Thanks, Raj, for calling again.
	Who do we got next?
	9142, you are up.
	Call me the BBL bully, man.
	I'm out here.
	9142, go ahead.
	What's up, bro?
	Can you hear me?
	Yeah, we got you.
	Welcome to the show, bro.
	What's your question?
	Hey, what's up, Iron?
	So my question is, how would you go about moving to another state?
	How old are you again?
	How old are you?
	And what's your name and where are you from?
	I'm from Illinois right now.
	I'm 21.
	I have 50K saved up.
	What's your name?
	I'm trying to move.
	Nigga, what's your name?
	David.
	Okay, David.
	All right.
	So 21, where are you trying to go?
	You're trying to get out of Illinois?
	Either Texas or Florida.
	Okay, why do you want to leave?
	I just feel like I'd have a better chance in those days.
	Do you got a job lined up or anything?
	What do you do there in Illinois?
	I do remodeling on my own.
	Okay.
	Do you think you'll be able to find work in Florida or Texas doing remodeling?
	Well, Florida, they just had a hurricane, so I think there'd be a lot of work there.
	Well, okay, I mean, the thing is, bro, like, I don't want you to come out here and you don't have, like, a network or you don't have, like, jobs lined up because that 50k, you'll eat through it very quickly if you don't have, like, an infrastructure kind of set up while you come down here.
	Yeah, bro.
	Don't come over here.
	I want you to have a plan.
	So, like, if you want to move, that's fine.
	I have no problem with you moving.
	But your job that you have is kind of contingent upon having clients that know, trust, and know and trust you of your work.
	So, like, you coming down here and doing remodeling, that's not like it's an easy job to do by yourself.
	Like, that's going to require some legwork on your end to kind of, like, build a relationship with people.
	So that might take a bit.
	Yeah, Florida's full, bro.
	Well, my plan would be to get a job, do modeling on the side, and then try to make money online.
	But I want to go to one of those two states to do that.
	Okay.
	How about this?
	I don't have a problem with what you get.
	If you want to get the fuck out of Illinois, nothing wrong with that, right?
	These blue states are all failing.
	But all I'm saying is, you have 50k to your name, you're still young.
	Like, try to obviously find a job, line it up before you move.
	Don't come out here with nothing.
	That's all I'm trying to say.
	Have a job lined up.
	Okay.
	Do that job.
	You could do the remodeling on the side.
	Build up your repertoire, right?
	Your portfolio of people that you helped, right?
	Social proof.
	And then I'm a little bit more comfortable with that.
	Maybe pick up a job at maybe a Home Depot or some shit, bro.
	That might help out.
	We're off camera.
	Okay.
	Well, how would I know what area to, like, go to?
	To, like, find a job there?
	Well, it's wherever you get a job, bro.
	Honestly...
	Get a job at Home Depot or Lowe's, bro, because I'm sure when people there, like, they might need some remodeling, and you're like, hey, look, you can buy this.
	Oh, by the way, on the side, I have a remodeling business.
	Yeah, Segway.
	Segway right there, bro.
	And I suck, you working at Lowe's or Home Depot for a bit, but that's gonna be rightful fucking clients that you can talk to.
	So anywhere in the state, big cities, or stay in the suburbs of big cities?
	I'd say to keep your costs low, bro, try to stay in the suburbs.
	Don't go to, like, a Tampa or Miami yet.
	Okay.
	Be 30 to 40 minutes outside of these major metropolitan areas.
	You're close enough, but you're not, like, paying those crazy costs.
	You know what job I miss, bro?
	I miss doing Uber, you know?
	Like in Miami, right?
	You want to come to Florida?
	You can do Uber too on the side.
	That'll be another thing if you want to come out here.
	Maybe I should do Uber again.
	That'd be funny.
	And record it.
	I feel like back to my roots, man.
	Back to your roots?
	Yeah.
	I think he'll get more love than roasts.
	It's very humbling.
	Alright, but yeah, bro.
	Does that make sense?
	Yeah, that makes sense.
	Thank you, guys.
	No problem, bro.
	Uber.
	Uber Fresh.
	Who do we got up next?
	1616.
	You are up.
	1616.
	One of the guys that he makes.
	2K a week doing Uber.
	Yo.
	I'm telling you, bro.
	What's up, man?
	What's up?
	So I just wanted to tell you guys about the situation I'm in and see if you can help because I know you guys are both landlords.
	So I just got into the restaurant industry.
	I actually had prior experience about I got into it, and I'm paying about $2,000 a month for rent, and I have been in it for about seven months.
	And I had an incident to where, like, I had someone attempt to break in, and it just hasn't been the best decision.
	You know, sales, they're all right, and the area isn't that well.
	And also, on top of that, I've been working somewhere else Full-time and making a steady income over there.
	So it just hasn't been, you know, worth it for me anymore.
	But the issue is I signed a three-year lease, right?
	And I just wanted to know if you have any advice or anything on how I can possibly break the lease or I don't know how that works.
	Okay, so how are you only paying $2,000 to run a restaurant?
	I'm sorry?
	Where do you live?
	I live in Ohio.
	Okay.
	And, like, I'm assuming you're renting from a landlord and running a restaurant out of this place?
	Yes.
	Okay.
	Yeah, that's pretty...
	Okay.
	Wait, so you almost got robbed?
	Yeah, like, it was some guy came up asking for stuff, and we denied him service, and he just came and, you know, started trying to break the door and stuff, so...
	You have insurance, right?
	Yeah, but he didn't break anything.
	Okay, let me guess.
	You don't like the area.
	It's not safe.
	You want to get out of there.
	Right.
	I signed a three-year lease.
	Landlord, say.
	I told the landlord I'll try to sell it, and if it doesn't sell, by the end of this month, then we have to figure something out.
	And he said, okay.
	But I don't know how commercial leases work.
	Like, how I can break the contract?
	Do I have to call an attorney?
	Is there no other option?
	Can I mutually...
	So here's the thing, bro.
	Every state is different, and obviously this is a...
	I'm assuming this is a...
	What is this, like a plaza that you're renting from this guy?
	It's like a...
	What kind of space is this?
	Say that one more time.
	What kind of space is this?
	I'm assuming it's like...
	Is it like a plaza that you're running your restaurant out of?
	Like, what kind of commercial space is this?
	It's like a walk-up.
	It's like drive-through only.
	Interesting.
	Okay, so it's only drive-through.
	So how did this guy walk into your place?
	No, no, he didn't walk in.
	He came to the window and he tried to kick the back door down.
	Are you in Cleveland or something?
	Where are you at in Ohio?
	No, no, no.
	I live in Ohio, but the restaurant's in Michigan.
	I drive to Michigan.
	Where is it in Michigan?
	It's in...
	What's the area?
	Taylor.
	Okay.
	So, bro, at this point, just what I would say, bro, like, right now, bro, you're supposed to, the landlord is, give you, like, a somewhat resolution to where, if it doesn't sell, you guys can work it out?
	When he says sell, what do you mean?
	Sell your business or sell, like, the lease to someone else?
	Yeah, sell the lease to someone else.
	Alright, how much are you generating at this restaurant per month?
	Gross.
	Bro, if you want us to help you, you need to be transparent about everything, otherwise we can't fucking help you.
	Alright, so we're gonna ask you questions.
	You know what?
	Hey, you know what?
	Yeah, alright.
	There was some, I thought some people I knew would be watching, but that's it.
	I'm just going to be transparent.
	Yeah, because you're hiding shit.
	The business is in Michigan.
	It's an ice cream shop, and it's not a restaurant, but I thought some people I know would be watching, so I didn't want to.
	I want to, you know, switch it up.
	But I'm just going to be transparent.
	Fuck it.
	Okay.
	How much does it earn per month?
	So, in the summertime, we were making around 10k a month.
	Okay.
	Right?
	And then now, we've been making around 6 to 7, 6, 5, 6, 7.
	Okay.
	It's cold, obviously, so niggas don't want ice cream as much.
	Okay.
	Right.
	So, you're profiting maybe $2,000 or $3,000 a month?
	Right.
	Right.
	Okay.
	Damn.
	Well, it's Ohio and Michigan.
	Significantly cheaper.
	No, no, no.
	It's not Ohio.
	I was capping, bro.
	I thought people I knew was watching this shit.
	Snicker, bro.
	I get it.
	I get it.
	Yeah, I get it.
	I get it.
	But it's like, bro, you got to be somewhat transparent so we can actually help you here.
	Okay.
	So basically, all right.
	So you're Michigan.
	But at the same time, I'm sorry to interrupt, but at the same time, I have basically a full-time job that I would get off early at, and I'll make around $5K a month from it.
	Okay, who runs this other shop?
	Like a friend of yours, a family member?
	Who runs it when you're not there?
	Yes, a family member.
	So basically you got a full-time job that you make your money with and then obviously you also have this side hustle that you kind of do where you run the shop.
	It's a drive-through type shop, ice cream, whatever it may be.
	So it's like not real food.
	It's like kind of like a luxury and it's drive-through and then it's in a questionable area and you don't want to deal with it anymore because it's causing your headaches and the profit isn't necessarily worth the headache.
	Okay.
	Is that where we're at here?
	Correct.
	Okay.
	That's completely correct.
	Okay.
	Thank God.
	It took us a bit to get this out of you, but all right.
	So you got a couple options, bro.
	You can either, A, find somebody to sublet that space for you, and then they run their business out of there.
	Which is kind of hard.
	Which is going to be a little bit hard.
	But that might be the easiest way to kind of get out this scot-free.
	If you can.
	Second, fortunately, you're in a state that actually favors tenants.
	You're in Michigan.
	Okay?
	Okay.
	I would go ahead, it might be worth the money, invest an hour and talk with a real estate attorney and figure out what your options are.
	Because commercial real estate and dealing with leases like this, completely different world.
	You might want to go ahead and have a legal professional look through it and see what your options are.
	And I would say those are the two main things you can do.
	I'll tell you this, too.
	If you get a lawyer that can go through the actual lease agreement...
	That's what I'm saying.
	...and make a clause where if you are in danger or, for example, are being targeted, you might be able to squeeze out of this legally.
	But again, we don't know because we don't know your state that well or your actual clause.
	Did you have camera surveillance footage of this guy trying to do this shit?
	I have a police report.
	Okay.
	All right.
	There you go.
	Yeah, bro.
	Maybe there's a clause in there.
	You never know.
	Again, this is Michigan.
	It's a very nuanced area because we're talking about Michigan, and we're talking about Michigan commercial real estate laws.
	You need to talk with a lawyer, figure out what your options are, and then I would talk with the lawyer first, see what your options are.
	And then also, while you're doing that, see if you can find someone that wants to take over that space from you.
	Because that might be the way that's the easiest with no litigation.
	Yeah.
	All right?
	Cool.
	Yeah, I was going to give it like two months to see if it would sell because I can't keep paying $2,000 for free.
	I'm not even using the space.
	Oh, have you disbanded operations?
	Hold on, hold on, hold on.
	So you're not selling shit there no more.
	You've disbanded operations?
	Correct.
	Oh, you didn't say that part.
	Yeah, you didn't say that part either.
	Okay.
	So that changes things quite a bit too.
	So can you resume operations if you wanted to?
	A three-year lease, bro.
	Yeah, yeah.
	I could.
	Yeah, bro.
	It might make sense to resume...
	I know it's wintertime right now, but it might make sense to resume operations and maybe add some stuff to the menu?
	Just so that you can make some money so that, like, you're not completely eating $2,000 every month?
	No.
	God, that makes sense, but the thing is, like, bro...
	Like, I already have, like, a full-time job that I work so much at, you know?
	I know, but you said you had a family member helping you, right?
	I was very motivated and stuff like that, but it's like, it was hurt, my health, everything like that.
	But didn't you have someone helping you?
	I was putting a lot into it.
	Bro, bro, bro, didn't you just say you had a family member helping you with it for a while?
	No, no, no, not helping me with it.
	The full-time job I have, that's the family member that I work with.
	Not the ice cream shop.
	Bro, I'm confused now, bro.
	God, man.
	Yo, you really suck at explaining things, bro.
	In your effort to conceal certain facts, you've made this extremely confusing for not just us, but the viewers as well.
	And they're like, what the fuck?
	Look.
	I got you.
	Yeah, bro.
	You gotta...
	Look, I get it.
	You want to kind of keep things private.
	Yeah, I was trying to like switch it up, so...
	Yeah, you fucked everything up.
	Look, bro.
	You've been...
	Jesus.
	Okay.
	It's King.
	Yo, you gotta go.
	And talk with a lawyer.
	That's step one.
	And then step two, you're also going to try to see if you can find someone that can go ahead and take it.
	Because now, I'm over here thinking your business was still operational.
	It's not even operational anymore.
	You've disbanded it because of your health.
	I think he's done with it.
	Yeah, he's done with it.
	He doesn't want to...
	No, no, no.
	Not my health.
	Just because it's not worth it anymore.
	That's what I'm trying to say.
	Yeah, but you said, I can't put time into it because of my health.
	I'm working like seven days.
	I get it.
	I get it.
	Because I'm saying that's what you said.
	You said, hey, I can't put time into it because of my health.
	You did say that earlier.
	Bro.
	But look, lawyer, put the money in.
	Talk with a real estate attorney that specializes in commercial real estate.
	Yeah, we can move on.
	And then number two, try to find someone that can take on that lease.
	Yeah.
	You got it though, bro.
	All right.
	That's the two things you got to do.
	Hey, appreciate you, Myron.
	Appreciate you.
	You know, I was just trying to conceal some stuff just so, you know, because I know some people.
	Yeah, bro, but you made this extremely difficult for us to give you a real answer and shit like doing that.
	All right.
	All right, man.
	No worries.
	I understand, though.
	Take it easy.
	All right?
	All right.
	I would be too.
	Fuck.
	It's fine, guys.
	Bro, he's fucking...
	You know what I mean?
	I get it.
	I get it, too.
	He's probably a little worried for his safety and shit.
	Some nigga tried to break into his shit.
	I get it, man.
	I understand.
	I understand.
	But just tell us from the beginning, because, bruh, that was, what, 10 minutes gone?
	We've got a show coming up right now.
	Yeah, shit.
	Who's next?
	Yep.
	503...
	How many more calls we got?
	Like two?
	Okay.
	Let's knock out these two that paid and then we'll...
	5-0-3-6, you're up.
	Chat, you guys liking this, by the way?
	This Nigga Ramsey show?
	No, no.
	Hold on, hold on.
	Let's forget Ramsey.
	Hold on.
	He don't care about us.
	Forget that nigga.
	Actually, that white man.
	We are certified.
	He's known for this.
	Yeah, but we do it better, though.
	We do do it better.
	We got some comedy here too as well.
	We're way more on the ground down to earth.
	Because this thing is like, he gives like the...
	Come on, man.
	Save face advice.
	Like, oh, save money.
	Don't buy real estate.
	Buy in cash.
	It's dummy proof.
	It's dummy proof, yeah.
	Versus like for us, we give y'all dummy proof advice too.
	Well, this isn't financial advice.
	We give y'all ideas.
	Dummy proof ideas as well, but it depends on where you're at.
	Right.
	It helps, man.
	All right.
	Who's up next?
	5036, you are up.
	5036, what's your name?
	Where are you from in your age?
	What's a good name for this?
	Adam, I'm from Louisiana, but I'm working in Texas in the oil field.
	How you doing, sir?
	What's up, man?
	What's up, bro?
	Yeah.
	What's your question?
	Hit us, bro, because we got...
	Yeah, I was working here in the oil field, and my dumb ass tried an Uber.
	I went to Uber, then I had an accident.
	And I have a car at 2018 BMW and I have a cab insurance.
	My insurance didn't want to involve Progressive and the guy who hit me, Progressive also covered Uber.
	So, what I should do?
	Keep doing the payment when I don't have the car?
	I already called a lawyer, but I think lawyer all the care.
	My friend, I can relate to you so much, brother.
	I mean, listen, I've been hit in the back, pause, by a bundle of sticks, pause, and it was a Lamborghini, bro.
	That hurt.
	Here's a spot, Mike, bro.
	You've made an agreement with the dealership when you bought this car to pay monthly.
	To break this dealership deal, bro, you need to either pay the car off in full, Or, pay the difference that you owe on the car.
	Wait, were you driving for Uber when you got hit?
	Yeah.
	Yeah, yeah, I was driving for Uber.
	So, your gap insurance should have saved you, but for whatever reason it ain't going to affect, now you're cooked.
	So, brother, you got two options.
	Make a deal with dealerships, say, listen, hey, I want this car gone, what do I owe on the car?
	They'll give you the payoff payment, and you gotta pay the difference, and then start new.
	What's the difference, bro?
	Well, he might not even know.
	Do you know?
	Like, do you mean like get a cheaper car from them or?
	No, no.
	He's asking you, what's the current payoff?
	How much money you have left on that BMW? How much did you buy for?
	How much did you put down there to pay off total?
	I think I paid $15,000 already and I had like $21,000 left.
	How much is the payment for the car?
	He paid off a lot though.
	It's only $6k left.
	Every month I pay $620.
	What car is it?
	BMW. BMW 2015.
	What model?
	What is that?
	350?
	Series 3.
	2018i.
	2018i?
	33i.
	33i.
	Series.
	Yes.
	Alright, so 2018-33-I. Bro, he bought it for $21K, he already had $15K paid off, so it's only $5,000 left.
	Should you just eat it?
	Wait.
	No, because remember, it's the value of the car currently.
	Let's see here.
	I'm looking up right now.
	So we got B&W. I just look at the value right now.
	Okay, right now.
	Give or take.
	Let's see.
	Cars for sale.
	One second.
	Yeah, bro, because who did you deal with?
	What company?
	B&W themselves or a different bank?
	It was a driver time, but it was like another loaner.
	They just got involved.
	The car dealer, they do it in loan companies too.
	But the problem is that when I had a gap insurance, they told me, if you have an accident, we're just going to give you $5,000.
	We're going to take the car.
	Right now I'm hearing different things, you know.
	Because the car's value now is $9,000 to $10,000, if what you told me is showing.
	Yeah, that's right.
	Which means you owe $21,000, right?
	No, no.
	He paid $15,000 already.
	So there's $5,000 left.
	No, no.
	Hold on.
	How much did you get a car for?
	So I got it for the $23,000.
	I pay 15 and the rest is they say that once you pay that amount, we're just gonna refinance it or something like that.
	I don't know.
	I don't understand about loans.
	It was my first...
	I was listening to you guys and then when I fixed my credit, My car got tired, so I went...
	Bro, okay.
	The problem is, bro, you don't know how much you own the car.
	Okay, so you need to do this tomorrow or today if you can.
	Call the lender to lend you the money for the car and say, hey, listen, I want a payoff statement for this car.
	How much do I owe?
	Once you get that amount, you can know how much you got to pay for the car in total.
	But what do we know now?
	He literally said he paid $15,000.
	He bought the car for how much again?
	Yeah, I paid $15,000.
	Yeah, I paid $15,000, but the balance is not accurate.
	I don't know.
	No, bro, because...
	No, hold on, hold on.
	See, here's the problem, right?
	You paid for the car, but you know what you did?
	You paid interest for the car.
	That $15,000 is not what he paid.
	He paid maybe like $6,000, $7,000 at best.
	So he owes a lot more than he's telling us right now, which is why only they know the payoff because they've been keeping a record of this.
	Gotcha.
	Remember, you're paying interest up front for the car when you buy it.
	For the majority of the payments, just like a house, right?
	With amortization?
	That most of your payments are interest only in the beginning.
	So maybe half of that is what went towards the actual principle of this car.
	So brother, we can't help you right now because you don't know your payoff amount.
	What's your interest rate?
	Do you know what your interest rate was?
	No, I don't even know.
	When the fuck did you buy this car?
	Hold on.
	We're going off on assumptions here.
	I never bought a payment car.
	Wait, when did you buy the car?
	I just want to know that.
	When did you buy it?
	I bought it on January 2023, like a year and a half ago.
	And I've been paying six...
	Bro, okay, I can tell you right now, bro, if you bought this car last year, you paid me $600, but you'd pay maybe like $200 in principle, at best, right?
	Because the interest is probably your heavy-loaded loan.
	How much did you put down when you bought it?
	I put $6,000.
	I put it down.
	And the money you put down, I'm assuming that goes to the principal right?
	Not all the time, bro.
	Yeah, I think so.
	It might go towards tax, sales tax.
	My question is, Myron, please, you and Fresh, my question is, can I stop doing the payment or I have to...
	Nigga, you cannot stop.
	Okay, hold on.
	Brother, brother, listen to me.
	Listen to me.
	I've been fucked over by cars myself, bro.
	I'll tell you this right now.
	You cannot stop making a payment.
	Because you know what will happen if you start making that payment, they're going to do what?
	Sue your ass.
	And then you got a lawsuit on you for the company and you got to pay regardless anyway.
	The garnish from your wages or they'll take the money out of your account 100%.
	What about the GAP? What about the GAP insurance?
	They say, if you have an accident, we're just going to take the car and give you $5,000.
	What about that?
	I was paying two months because of the GAP. But you said that the insurance didn't qualify you for GAP, for whatever reason.
	No, no.
	The insurance did not.
	No, my insurance, they don't want to get involved.
	Uber got insurance because I have a passenger.
	I had a girl.
	She was screaming because, like Myron said, women live like an easy motor.
	They cannot leave.
	She was screaming while I was driving.
	I stopped the car barely, and she don't even want to get out the car.
	I said, do you want to get out?
	I helped her out to get out.
	For her, it's payday, my friend.
	For you, it's pay-up day.
	Listen, bro, this is what you need to do.
	Tomorrow, but he said, just to finish, you said, so you are going to get $5,000 from the gap insurance.
	That's what they say when I buy the car in the beginning.
	But now...
	Uber has their own rules.
	Uber, they got...
	So when you have a rider with you, customer, when they are in there, like progressive, they are responsible for you and the rider.
	They don't want your insurance involved.
	They don't want gap insurance involved.
	They will be like, oh, we got you.
	Bro, bro, this is simple, bro.
	Dude, dude, dude, this is simple, right?
	You want help?
	I'm trying to help you right now.
	You need to actually call the lender and say, listen, I want to pay off a month for this car, and I'll give it to you either in a couple hours or next day.
	Once you get that...
	How much you owe in the car.
	Then you need to figure out from your insurance company if it's going to give you GAAP insurance coverage or not.
	But you drive an Uber, so there are policies on claims and getting funding.
	So you need to verify Uber.
	Hey, listen, this accident happened under your guise that a passenger is in the seat behind me.
	What is the payout or what's the insurance going to do for me with this car?
	Because right now you're just rambling with a bunch of things you are assuming, but you don't really know.
	Then, you can say, with a logically sound mind, alright, this car, I need to pay off like 10k on this car.
	Do I have it to get rid of it?
	Cool.
	If you don't, you need to make some more money to pay off this car once it gets fixed.
	If it gets fixed by the insurance company with the insurance.
	Now, the gap, they will bridge the gap between you and what's owed on the car if you're qualified for the gap insurance.
	If you're not, you're fucked.
	So, you need to figure out...
	Yeah, I'm already qualified because I've been paying a lot for the gap.
	My car payment is too much because of the gap.
	I have an engine, transmission, and steering warranty.
	And accident warranty on it.
	Are you the one at fault?
	And is the car total?
	No, I was driving.
	He hit me from the side.
	He was from behind.
	Okay.
	Dude, this is simple.
	Just call your insurance.
	Do they know what happened?
	Of course.
	You got a police report?
	No, the insurance, they don't want to invoke.
	My insurance, they don't want to invoke.
	They was like, oh, he was with another insurance.
	We protect you when you're not working with Uber.
	Otherwise, you got to make Uber.
	Dude, this is the problem, bro.
	You are...
	Okay, hold on.
	This is very simple, bro.
	Your insurance company, if they're not going to cover you, that don't mean shit, bro.
	Because right now you're telling me that.
	You do it for Uber, right?
	Yeah, yeah.
	So, you follow Uber's policies.
	I'm not an Uber.
	I'm a truck driver, but I was an Uber.
	But the thing is, I have an insurance vehicle.
	I have a full coverage.
	But I don't know what's going on.
	There is something going on behind the scenes.
	I don't understand it.
	My question is, should I keep making payments for something I don't own no more?
	I don't have the car no more.
	They told me.
	Yeah, dude, you are on the hook for that car as long as your...
	I think the bottom line here is you're going to have to keep paying is the bottom line.
	Yeah, you can't just stop paying.
	However, you're going to have to keep paying because like Fresh said, they're going to come after you.
	They're going to sue you legally.
	They're going to sue you and they're going to come after you regardless.
	And they're going to take your credit.
	Guys, I'll tell you what happened to me personally with my Lambo, right?
	So a couple months ago, I bought a Lamborghini SV, right?
	Red, amazing car, my dream car, right?
	I want to keep that car forever.
	I'm driving on South Beach.
	I get hit from behind.
	From a bundle of sticks, right?
	He's like, oh my god, I'm gonna call the police and hit a Lamborghini.
	Bro, don't call the police.
	I'll fix it myself.
	Fix your car too.
	Don't fret.
	Call the police.
	Get a police report.
	I gotta go to my insurance now to figure this shit out.
	Now, as you guys know, this car is very limited.
	It's only $600 in America.
	That car being hit is a downer for the value.
	I lost $180K on that car.
	Plus, whatever the market was down for as well.
	So, guess what I do, guys?
	To go to that car, I got to pay the full amount of what I owe.
	Same thing with you, bro.
	You can't just stop paying the car.
	Whatever you owe on the car, you got to finish off paying or pay monthly just to keep the car running because you made an agreement with the bank or lender for that car.
	You can't just say, oh, I'm done paying because I don't have the car.
	No, nigga.
	You're on hook forever until the car is paid off.
	Now, Granted, though, you've got insurance, you have an Uber policy as well.
	Verify with them what is going to happen next because, bro, you're just telling us these things, but we don't know because you need to confirm with the bank or Uber, what's the next step?
	Once you figure that out, you know your payoff, then pay it off if you have the money.
	If not, you're going to keep paying for the car.
	Granted, though, if you have insurance covered and they're going to cover it for you, which you said they're not going to, you're good.
	So verify again with the lender, what's your payoff amount?
	And then two, figure out from Uber if they're going to cover you with insurance.
	Because remember, You're the passenger in the car.
	That's a whole other liability itself to deal with.
	So I don't know what you're going to happen with Uber, but verify with them what's their next strategy for you and with the lender how much you owe.
	So to be clear here, to be extremely clear here, you're on the hook for the car, bro.
	You got to pay no matter what.
	Now, so that's the bottom line.
	You've got to keep paying.
	However, now it's a matter of how much are you going to pay, which is what we're going to figure out.
	And that's going to be contingent upon your insurance alongside the gap, and then obviously you had a passenger inside.
	These three factors are going to play into how much you've got to pay.
	But the point is that you've got to keep making the monthly payments until you square away with this insurance situation.
	And that will finally dictate the final cost of what you're going to have to come out of pocket.
	But the point is that you have to keep coming out of pocket monthly to honor the contract that you signed.
	Otherwise, they're going to destroy your credit, sue you, and come after you for the money that you owe.
	So keep making the payments because Fresh has dealt with this before, not him personally, but he knows guys that have decided not to make the payments.
	And they get sued.
	And they get sued and they come after you, these car companies.
	Yep.
	So you got to keep making the payments, bro.
	Right now, what we got to figure out is how much you got to pay.
	And you're going to know that once you call your lender tomorrow and figure out what the payment amount is because you don't know because a lot of that money that you paid, this monthly payment of 620, the $6,000 that you put down, a lot of that is attributed to interest.
	And to the closing cost to make the deal happen.
	So you don't know what the principal left is.
	Because a lot of this payment went over towards the insurance.
	Which is very common.
	Excuse me, not the insurance.
	The interest.
	It didn't go to your principal.
	Just like with a home loan, these assholes make sure they get their money on the front end, bro.
	That's how amortization works.
	So we got to figure out how much is left on the principal that you owe.
	You know it's fucking two men doing that shit, man.
	What?
	I said, I always motherfucking Jew doing that shit, man.
	They keep you on hook.
	No, my friend.
	You made a choice, and you signed the deal?
	This is your fault, my friend.
	Not an accident, but this is your loan.
	Anyhow, we helped you, bro.
	You know what you gotta do, man?
	I wish you the best, but yeah, the cars, when you get hit, it's a headache, especially when they don't cover you for insurance, but you got it, though, bro.
	All right.
	We gotta show the run.
	Yeah, we gotta...
	Yeah, bro.
	One more caller.
	One more caller?
	Yeah.
	All right.
	One more caller, and then...
	Yeah.
	Can you guys get a Zoom link also for us?
	Guys, just a note for you guys when you buy a car.
	You may feel like you don't have to make payments.
	You made a deal with the dealership, basically with the devil.
	You can't stop making payments, bro.
	If not, I'm going to report a car and then sue your ass for whatever you owe.
	And I'm telling you right now, guys, you can sue by them, it's not going to be nice.
	Because I'm telling you right now, guys, I don't want to pay 180K. I don't want to pay it, but I have to because now I'm going to deal with the devil and I got paid off because at that point...
	You can't just stop paying because you're on the hook for that amount of money for the car.
	No matter what you do, bro.
	Yeah, because then now the bank is involved.
	But if you pay it off, like what Myron did, it's Honda, then you're good, so don't matter.
	Guys, I think this should be a lesson to all you guys.
	Bro, don't lease no fucking cars, bro.
	Fuck that shit, man.
	Especially if you get hit and burger cooked.
	Yeah, don't do it, man.
	Especially with the car market right now, the way it's down.
	Who's the last person?
	2788, you're up.
	2788, you're up.
	Hey brothers, how you doing?
	What's up, bro?
	Cool.
	So my big question is, what are my next money moves?
	I have a list of things here ready.
	Me, I make $120,000 a year as a trucker, and I'm an online personal trainer.
	I work 70 to 90 hours per week.
	My wife is a pharmacist who makes $80,000 a year.
	I'm 37 years old.
	She is 34.
	Credit score is 720.
	I'm from Chicago.
	We have our first kid on the way in February.
	Probably going to get a used 2019.
	Yeah, 2019 to 2022 Porsche Macan.
	The new baby car, $35,000 out the door budget for that.
	We have two current cars right now paid off.
	We have two current debts per student loans and our mortgage.
	One home is paid off, so we're living in our second home currently.
	We have a Chase Sapphire we use for everything, and we use the perks mainly for travel to Vietnam, which we're going to in a couple weeks.
	And my big question, what are my next money moves?
	You think to basically double my money by next year?
	Yo, is this a one-trust 8-packer?
	Yep.
	Oh, by the way, I got your information tomorrow from my guy for the Porsche.
	So you want to know what's your next money move for you?
	Yes, sir.
	Is the car necessary?
	Yes.
	I'm not gonna lie, it's luxury.
	Bro, is the car necessary 100%, bro?
	You already got two cars paid off, bro.
	Do you really need it?
	Yeah, we can stay with our two current ones.
	My wife really watches.
	She's been a good wife, but we have 80K in reserve right now, so we could, but I'd rather invest.
	Yeah, bro.
	I'll tell you this, bro.
	Listen.
	Tell her no, man.
	I'll tell you this, bro.
	Let your property pay for the car.
	That's better.
	At least get property if you can.
	And I know your wife isn't good to you and she wants it and she probably hasn't asked you for a lot of shit, but bro, tell her no, man.
	It's not worth it, bro.
	Especially if the car market down right now, just tell her, hey baby, it's not a good time right now.
	You're seeing all the horror stories right now that we're listening to.
	Wait, but hold on, hold on, hold on.
	If I get him this deal where it's way below value and he just pays cash for it, he's good.
	Okay.
	25, 30k, knock it out, you're done paying for it, no extra fees, you're good.
	But any higher than that, I wouldn't do it.
	Yeah, so if Fresh can't lock you this deal right now, then don't do it, bro.
	Yeah.
	But keep in mind, guys, Porsche does take a lot to maintain sometimes when it has issues, especially if it's a used car.
	So, you got the comfort of that as well, brother.
	So, again, like Myron said, we're opposing Collins, man, because having a car right now, especially these times, could be tricky.
	If Fresh can't get you this deal, bro, don't do it.
	Yeah, but you should be- And then use- Blame Fresh, actually.
	What the?
	Nigga!
	Just blame Fresh.
	Me?
	Hey, sorry, baby.
	This nigga couldn't come through.
	Okay, okay, okay, great.
	Yeah, he could've- You what?
	Yeah, he could say this black nigga tried to rob us.
	Yeah.
	Hey, just keep it real, man.
	You know, nigga shit, man.
	Yeah.
	But, yeah, bro, I mean, because, dude, again, I know we've got Trump in office and everything, but let's not, like, you know, count our chickens before they hatch, right?
	Because we've got to January until he gets in office.
	Yeah.
	So we've got to wait and see.
	Who knows?
	Yeah.
	But in terms of, like, your next money move, bro, like, I would just say, man, focus on assets, like what Myron does with real estate, bro.
	Yeah, try to pick up some real estate properties.
	I'd be happier if you took that $30K or $20K and try to put it towards the house, bro.
	Yeah.
	Don't do what I did, bro.
	Alright.
	Sounds good.
	Learn from precious mistakes.
	Yeah, bro.
	Cars right now, man, is a bad move.
	I don't know if you heard the caller right before you, bro, but holy.
	Guys, I made mistakes so you don't have to make the same mistakes, man.
	Girls, cars, everything.
	There you go.
	Especially with these fucking German and Italian cars, bro.
	Maintenance on it is a pain in the ass, bro.
	You can't take it to the regular mechanic, bro.
	You just can't.
	And if you do, they're going to charge you.
	They're going to upcharge you like crazy.
	I'll text you tomorrow, bro, on Instagram with the update.
	I got you, bro.
	You rock.
	Thanks, guys.
	Got you, bro.
	All right.
	And niggas say I don't add value, man.
	Freaking haters, bro.
	Haters are going to hate, bro.
	It's all good, dawg.
	It's all good.
	Haters are going to hate.
	Well, at least the BMW guy kind of knows what he's in for.
	Then he goes by to stop making payments.
	That would have been a bad mistake.
	I'll tell you this.
	I know some YouTubers stop making payments and they've been sued.
	Google their names.
	It's all online.
	Bro, when they sue you, bro, it goes everywhere.
	So all dealerships know and lenders know this guy has a bankruptcy on this car.
	Don't give him a deal.
	And actually, you know, one of them, I got him a deal, even though he didn't pay his car, and I did it on the table because, you know, but some of your favorite celebrities have, because they got sued by companies.
	Diddy's son got sued by his car company for not making payments.
	Damn.
	Alright, so they make it a point to come after you.
	Dude, it's public, bro.
	Okay, so not only do they sue you and come for your money, they...
	You do not want to be sued, bro.
	Okay.
	Alright.
	Not all.
	BMW, nigga, bro.
	Hey, man.
	Make that payment, man.
	Yeah, Myron's seen my mistakes, man, so guys, don't do it.
	Yeah, fuck cars, bro.
	Yeah.
	Anything else?
	That's it.
	That's it?
	So, guys, we're going to be back with...
	Oh, last chats?
	Yeah, let's read them real quick.
	You guys like that?
	We need to make this a segment.
	Bro, this is the...
	Give me ones in the chat if you guys like this.
	Give me twos if you don't like it and what we can approve.
	If you don't like it or you have a criticism, put two in Y. Wshow, one.
	Give me a two in Y. Love it.
	Ones.
	Oh, straight ones, bro.
	Shout out to you guys, man.
	Give twos a suggestion if you're going to put a two.
	Give me a suggestion.
	You know what we could do?
	Bring in guests as well.
	Money Monday guests.
	Okay.
	To talk with us, with them.
	I like money talk.
	Nigga put a two, but didn't put Y. Yo, put Y! Damn!
	I saw someone put a two with criticism on YouTube.
	He said, uh, two fresh sucks.
	Thanks, bro.
	No, no, he didn't say that.
	No, he didn't.
	Well, no, this person on Rumble.
	Well, yeah.
	Uh, sucker for...
	Yo.
	Oh, Raiklin.
	Two bring me in.
	Two peak content.
	What is that?
	Scroll up.
	No.
	Scroll up, Bill's on the YouTube.
	Said two...
	Scroll up.
	Advice for what people?
	Best part of the show.
	No.
	It's peak content, helpful, real life, various.
	Okay.
	He didn't give a criticism, though.
	It's all good.
	If you put a two, tell us why.
	But we got hello ones.
	Someone said two no immigrants.
	He's probably saying it's too good.
	Two special guests, we can do that.
	Yeah, we can do that.
	All right, cool.
	All right.
	Awesome.
	I think we found something for Money Mondays for you ninjas.
	Yeah.
	Outside of like, you know what we should do?
	We should make all of them a call-in show.
	Maybe if we're going to cover a topic, we'll cover the topic and then open up the phone lines.
	Once we've got time.
	If we've got time, yeah.
	Alright, we've got some guests coming next Monday, Monday as well.
	Actually, let me not say no.
	Big Mo, LOL. Oh, okay.
	Okay.
	Submit two, the one, the true God.
	What?
	Okay.
	Two no immigrants.
	Alright, man.
	It's a W show, man.
	Someone said two make it longer.
	Okay.
	Alright.
	Y'all niggas like it.
	Nah, nigga.
	If you want longer, CC Premium, bro.
	Yeah, get on Casco.
	Yo, we got some sauce in there, man.
	You want to get on crypto, stocks, dating.
	Bro, the real sauce is right there, bro.
	So, alright guys, we're going to segue into Freshly Fit News.
	We're going to probably start here in the next 10 minutes or so.
	My name is Darwin.
	I'm 26-year-old, credit score 696.
	And my experience credit score went from 750 dropped down to 730.
	How would I get my experience score back up?
	Make payments on time?
	Bring your utilization down.
	You do those two things, your credit score is going to shoot up.
	Bring your utilization down is the biggest cheat code to bring your credit score up.
	Utilization down.
	WFNF Fresh Updates, thank you so much.
	Appreciate that.
	TS goes, I called in Thursday, Bitcoin went from 77 to now 90.
	I told you.
	Let's go.
	TS. I have a guest idea, the guy from Minority Mindset.
	Oh yeah, he's pretty dope actually.
	He's a minimalist too.
	I don't know who that is.
	He's a Pajit, right?
	Yeah, he went to my gym.
	Oh, you know him?
	Yeah, yeah.
	He used to go to the gym that I work at.
	You got his contact?
	Yeah.
	Let's bring him on.
	Alright, let's make the Pajit network happen.
	He has a big channel.
	What ETF would you recommend to invest in my Roth IRA, investing 100 bucks every paycheck?
	What ETF? I'll tell you right now.
	It depends on which broker you're using, which we did a whole thing on index funds.
	Something that tracks the S&P 500, something that tracks the total stock market.
	Nice and simple.
	S&P 500 never fails, guys.
	If that shit fails, nigga, we got picked up.
	We're cooked.
	I think Vu's good, though.
	V-O-O. I think that tracks the S&P 500.
	Yeah.
	But that depends.
	He might not be on Vanguard.
	Ah, yeah, you're right.
	See what I mean?
	Okay, cool.
	So every brokerage has a different code for their thing.
	So that's why I tell them in general, just S&P 500, an ETF that tracks the S&P 500, or an ETF that tracks the total stock market.
	Me, personally, I have one that follows the S&P 500 and the total stock market index on Vanguard.
	But you can use any of these companies, guys.
	Also, we got a last chat here that says, Lyndon Lane.
	Yo, whoever's in Austin and in Aviation, hit my Discord.
	Lyndon Lane official.
	Alright, cool.
	Alright.
	Anybody else?
	To be honest, if you're on the come up, you should just buy a cheap 5 to 10k car.
	That's what I'm doing.
	Chat, think about this.
	Fuck a lease.
	Yeah.
	There you go.
	I agree, bro.
	I agree.
	Yo, whoever is in Austin in aviation...
	Oh no, got that one.
	This concept is fire.
	Call-in Money Mondays and call-in Womanizer Wednesdays would be dope, too, where callers talk about their dating issues and Friday can be call-ins for whatever situation.
	Not a bad idea.
	Yeah?
	Yeah, oh boy, it's not bad.
	We could do that.
	Well, once a month, we do a call on Wednesday for girls only.
	That's good.
	All right.
	Some of you guys are fucking lost.
	Yeah.
	Holy.
	Okay.
	Anything else?
	We got a show for Monday News.
	Sorry, Monday News.
	Coming up right now.
	Yeah, I got a bunch of different topics we're going to talk in.
	We're going to have Ivan Raiklin call in.
	We're going to talk about some political stuff.
	We'll probably call him in first.
	Yeah.
	So that we don't keep him up.
	He's got to be up early.
	All right, guys.
	We'll be back in, give us about 10 minutes.
	10.15 minutes.
	We're going to be on live by like 10.30 no later.
	Love you guys.

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