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Nov. 18, 2024 - Fresh & Fit

01:46:38

Guy Crashes Car Working Uber?! Money Monday Call In Show!

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Time	Text
	Thank you.
	What's up, guys?
	Welcome to the Fresh and Fit Podcast.
	It's Money Monday, man.
	We got a better version of Dave Ramsey's show.
	Let's get it, Toy Ninjas!
	Let's go.
	What's up, guys?
	Welcome to Fresh Air Podcast, man.
	I'm here with Frank.
	I love you, too, buddy.
	I love you, too.
	But yeah, guys, today we're going to be doing a call-in show.
	As you guys know, it's Money Monday.
	This is the nigga version of the Dave Ramsey show, so I hope you guys are going to enjoy it.
	We're going to be talking about a bunch of different things when it comes to whether it's credit, real estate, whatever questions you guys got.
	Phone lines are open now.
	Castle Club Zoom is open.
	Link is out, if I'm not mistaken.
	Thank you, Moe.
	On a feed.
	So yeah, and this is going to be kind of like a new series that we do.
	I noticed you guys enjoy this.
	Sorry, I apologize that we're starting a little bit later.
	We actually wrapped up an interview that we did with Noble Gold right before this.
	We're probably going to drop that interview sometime this week or next week, the latest.
	We talked about the current gold market post-Trump presidency, excuse me, president election.
	Buying silver and gold, 10% of your income while you need it, very important.
	Yeah, so we talked all about precious metals, bricks, the world conflicts going on, how that affects things.
	So it's definitely a good interview.
	That'll probably be out here very soon for you guys.
	But yeah, guys, phone lines are open.
	515-605-9740.
	Again, that number is 515-605-9740.
	We'll put the number in the bottom middle so that you guys know exactly where to call in.
	You guys know the deal.
	Put the last four digits of your...
	Put the last four digits of your phone number in the Super Chat, and you'll be able to cut the line.
	So, if you're watching on YouTube, use FNFSuperChat.com.
	If you guys are using Rumble, Rumble Rants It In, or FNFSuperChat.com.
	Or, if you're on Castle Club, you can donate through Castle Club.
	Or, if you're a Castle Club member and you're on the Zoom call, we're going to be going back and forth.
	But if you want to cut the line on Castle Club to be at the top, top of the line, donate to Castle Club, and then we'll get you in right away.
	And you can let Mo know in the Zoom call or whatever it may be.
	But those are the different ways that you guys can get involved in the show depending on what platform you're on.
	If you're on X, use FNFSuperChat.com.
	But we're live on all the platforms right now.
	Except for Twitch.
	Fuck them.
	But we are live on YouTube, Rumble, Castle Club, and X. And FNFSuperChat is the main way to donate.
	But, like I said before, you can use Rumble Rants or Castle Club Chats as well.
	Yes.
	Cool.
	All right, guys.
	Also, sign up, guys, for Castle Club Free down below.
	Join the newsletter.
	And also, another thing, if you guys want, you can actually watch the stream on Castle Club right now and join the Castle Club chat because the chat over there is way more fun.
	They go crazy with the memes and all this other shit.
	So if you guys want to join a funny community over there of guys that make funny-ass memes, whether it's Fresh Updates or any of the other guys that put these hilarious-ass fucking super chats together where they rhyme like Cam two times, etc., Definitely join the Castle Club chat.
	If you want to roast, enjoy the actual show and put whatever you want.
	Yeah, y'all want to cook Moe and shit like that?
	That's the best place to go to.
	Y'all want to put your memes of a certain dude that used to be an artist back in the 40s?
	You guys want to do that shit?
	Do it on CastleClub.tv, man.
	All right?
	So anyway, what are we going to hit first here, guys?
	We got Big Lou, 4-6-5-5.
	Okay, so right into it.
	Any other announcements that I missed?
	Well, apparently we're back in the news cycle for, you know, those people.
	Yeah, we're going viral right now.
	Once again, it's like 2021 all over again, bro.
	Or 2022 all over again.
	Yeah, I didn't know how many black queens there were until recently.
	Quite a few.
	Shout out to black queens, man.
	Yo.
	Oh, God.
	Addresses getting doxxed.
	Dudes threatening to kill me.
	Dude, you know what's funny?
	Uh...
	Like, Angie gets all these messages from these people or whatever.
	She's used to it now.
	She doesn't care.
	But it's just interesting to me because, like, people message me.
	I'm getting, like, random text messages from people saying, oh, I know where you live.
	I'm going to come find your shit.
	Hey, look at that shit.
	I'm like, pull up.
	All right.
	And then just, like, go about my day.
	Like, we're just so used to getting hate now at this point or people threatening our lives.
	Isn't it fucking comical?
	Because I've seen people get, like, 1% of the hate that we get and they have fucking meltdowns, bro.
	Like, for us, it's just another day.
	I think we've been through it so many times it's like, hey, you want to have at it?
	Go ahead, brother.
	How many times have we like gone internationally viral where we get an influx of hate?
	I could think of like five or ten different times.
	At least four times to five times at least.
	Actually, no, six times because Punish Bad Behavior, that was one.
	That was probably the first one.
	Yep.
	Punish Bad Behavior is when we first hit mainstream news.
	Dating app.
	Blacked.
	Yep.
	What else?
	Oh.
	We went viral in Australia for single moms.
	Yeah, yeah.
	What else?
	Oh, the girl claiming she was pregnant.
	Yep.
	What's her name again?
	The loser.
	The OF304. The one claiming that she was...
	Oh, the one that had bad breath.
	When she went on A3 talking shit about us.
	Oh, yeah, yeah, yeah, yeah.
	Yep.
	I forgot about her.
	Yeah.
	What else?
	A lot of shit, bro.
	Oh, Asian Doll?
	Asian Doll.
	Because we went viral for the whole black thing twice.
	Yeah.
	What else?
	Obviously, the boxing match with Anus and Reach.
	Yeah, yeah.
	Miss China.
	China.
	What else?
	Okay, that's at least like seven now.
	Telling you, bro.
	And now this shit.
	Now this shit, eight?
	Probably eight.
	What else?
	Goddamn.
	Oh.
	Back in the day, Miranda.
	Miranda?
	Academics, yeah.
	Yep.
	That was a funny story.
	I'm trying to think.
	That's nine?
	Jubilee.
	Jubilee?
	Jubilee.
	Oh, yeah.
	Ten.
	Yeah, most comments ever in Jubilee video.
	Yeah, most comments ever on their video.
	Holy, that's a lot!
	I still think I got number one spot for most comments of people being mad.
	There are more recent videos of like 20 verse 1 are doing really well, but...
	Prior to that, I was like number one.
	But I still think we got number one comments.
	Bro, I kid you not, the most viral I've ever been was that Asian girl shit.
	Bro, I have people that...
	Oh.
	Exodia?
	Debating Destiny?
	Yeah, yeah.
	That too.
	On Israel?
	Before October 7th?
	Yeah.
	So that's at least 10.
	Because we got a bunch of...
	We got putting a bunch of hit pieces on media for that one.
	Yeah.
	What else?
	That's pretty much it.
	I mean, there's probably more, but that's like at least 10.
	God damn, that's 10.
	Hey, man, I'll tell you this, bro.
	Most people...
	So people on the chat are going to probably...
	Real ninjas are going to know.
	Oh, Tommy Sotomayor with the fight.
	Oh, yeah, that too.
	Oh, when the girl pulled out the blicky.
	We're academics here.
	Pull it to your crib.
	The buff guys.
	Oh, yeah.
	Ayande and them.
	Yep.
	Shout out to Ayande.
	We're cool with him.
	Yeah, he's cool.
	Yeah.
	It's so many.
	Shout out to Ayande.
	Yeah, I will say this, though.
	Damn.
	That's like 1215 now?
	Would have probably quit by now.
	Or at least had a breakdown.
	Oh, yeah.
	Like, heavy.
	Like, insanely heavy.
	I'm trying to think.
	And all the channels talking shit about us?
	Yeah, they're constantly talking shit.
	Damn.
	Bro, we've survived a lot of shit, bro.
	Thanks to the chat, man.
	When I think about it.
	Thanks to the supporters.
	Oh, getting demonetized!
	That was worldwide news.
	Bro, his Business Insider did that article on that.
	Yeah.
	Yo, W Rumble, man.
	Yo, Rumble has been saving creators' lives for the past years, and they don't get enough credit, man.
	They've been putting the work in for us as creators that are very controversial, and they take a lot of slack when they should be getting a lot of praise, man.
	Talk to Rumble, man.
	Chris from Rumble, awesome CEO. Download the Rumble app.
	What is that?
	Like 15 things that literally have put us on mainstream media?
	At least.
	Bro.
	New York Post did a hit piece on me saying I'm the new Andrew Tate.
	Yeah.
	That was earlier this year.
	Yeah.
	Bro.
	It's a lot, man.
	It's a lot.
	I'll take this, bro.
	It's been fun.
	It's been a long time.
	You know, and it's interesting because the niggas that talk the most shit about us, nobody writes on them.
	Nobodies.
	It's funny, because a lot of our biggest critics, the people that make hippies on us constantly and talk shit, etc.
	Oh, I made all this money talking shit about Fresher Fit.
	Nobody talks about you, though.
	Nobody cares about you.
	You have to watch us, we don't watch you.
	Isn't that crazy?
	You know it's a formula too.
	We can actually do XYZ and trigger somebody and it blows up on purpose.
	I'm convinced we're so fucking popular that a new YouTuber could go ahead and make a video on us and their shit will automatically blow up.
	Automatically.
	I've seen people that have no following.
	Their video, like, 100 views.
	They make a video on us?
	10,000, 50,000, 100,000 views.
	Yeah.
	Why do you think African-Americans do it so much?
	Yep.
	Yep.
	But I'll tell you this.
	No one's writing an article on them niggas.
	Nah.
	I'll tell you that.
	Ain't nobody write an article on those fucking guys, bro.
	To be fair, we put them on the map.
	The Canada Tribune ain't even gonna write on you motherfuckers, bro.
	Fuck out of here.
	To be fair.
	So, that's fucking funny, bro.
	And we're shadow banned too.
	And we're shadow banned.
	Yeah.
	Shadow banned, blackballed, demonetized.
	Yeah, we're still more relevant than 99% of these streamers.
	And it said that we're not blacks after being blackballed.
	We are black, man.
	Come on, man.
	We're black.
	So, whatever.
	So, very, very interesting.
	I know some people in the chat here are going to think of other arcs that we went through and shit like that and survived.
	But bro, I'll tell y'all, man.
	I don't think any other...
	YouTuber would survive the bullshit that we've been through.
	Also, guys, you can learn from our mistakes, man.
	Like, you know, we're not perfect.
	We make mistakes every now and then, and, you know, you can learn from it.
	Good or bad, you still learn from it, so.
	Alright, let's hit the first caller.
	Alright.
	I think that was the first guy in Council Club?
	Yes.
	What is it?
	What's going on, brother?
	4-6-5-5, you're up.
	4-6-5-5, you're up.
	Hey, what's up?
	What's up?
	You can hear me?
	Yeah.
	Hey, how you doing, man?
	I've been Ninja watching for like the past year and a half, I think.
	I'm that one model that I don't be liking the videos.
	I just be forgetting.
	You like the video this time?
	I got a big-ass back payment.
	Did you like the video this time?
	No, I didn't.
	Like the video.
	Okay.
	Guys, we got 1,200 Yacht Ninjas watching on YouTube and like another 1,600 or so on Rumble.
	Guys, do me a favor.
	Like the video.
	We should be at 1,000 likes.
	Let's hit 1,000 likes.
	But go ahead, bro.
	What's your question?
	I got a big-ass back payment from the VA a couple months ago.
	And without thinking about it, I put it all into crypto.
	How much is it?
	I just want to know.
	How much is it?
	I got like 40K. Where do you live?
	It was 38,000.
	No, where do you live?
	I live in Tampa.
	Yeah, you probably can't get a house out there for that.
	You put all of it in crypto?
	He's thinking about putting all of it in crypto.
	I put all of it in crypto, yeah.
	Oh no, he already did.
	Oh, you already did?
	Yeah, yeah.
	How much did you put in?
	Like, you put 38k, and then how much...
	When did you do it?
	Yeah, that's the key.
	Did you do it before Trump got elected?
	Oh, this was back in March, yeah.
	Okay, so you're probably up then, significantly.
	Not yet.
	I mean, the coins that I put into aren't that high yet.
	Like the Gala, Hex, Pulsex, they haven't really taken off like that.
	Oh, who put it in alternate coins?
	Bro, why'd you put it in altcoins?
	Why'd you put that shit in either BTC or Ethereum?
	You don't watch the show?
	Because they're going to go crazy.
	That's why I mean, they're going to make me way more money than Ethereum.
	I'm in the, what's it called, with Charlie and...
	You are in there?
	Okay.
	If Charlie and Miguel told you...
	Told you to do it?
	Okay.
	Yeah, cool.
	Okay.
	Alright.
	So, what's the question, bro?
	I just wanted to know, so when all of this goes up...
	But you're up right now, right?
	Just before you get into this, you've probably made quite a bit of money, right?
	Yeah, a couple thousand.
	All right.
	Go ahead.
	What were you going to say?
	I was going to say, when all of this shit goes up, and I have a hell of money, hopefully, your advice is to mainly put it into real estate.
	From what I've been hearing, you always preach on real estate.
	So that's how you think that I should build my wealth?
	I preach being diversified.
	But my thing is, I like real estate.
	I think it's the best asset class because it pays you money, gives you a tax benefit, and it typically almost always appreciates it.
	It's the best hedge against inflation, I would argue.
	And you could borrow against it.
	So there's so many different benefits with real estate.
	Do you have to get into real estate?
	No.
	Because obviously the barrier to entry is kind of high.
	I'm not going to lie to you.
	You need to get good credit.
	You need to get a lender involved.
	All these different things.
	And if you don't have a lender involved, you've got to buy it cash, which is even more pretty taxing.
	So I like real estate because it's the number one way to build wealth.
	And it's created like 90% plus of millionaires is through real estate because of the appreciation and everything else.
	But it's up to you what you want to do, bro.
	You want to be a crypto bro, that's fine too.
	I mean, the good thing is, bro, we do Money Monday, so you have multiple options you could invest into.
	Gold and silver, you got real estate.
	Gold and silver is huge.
	You got ATM machines, Bitcoin machines.
	Yep.
	You got a lot of options, bro.
	Everyone should be at least 10% in when it comes to precious metals, guys.
	Yeah.
	You got options, bro.
	So, my cousin be telling me, he used to be a realtor.
	And he always be telling me to, whenever I go to any realtor to talk about buying a house, he tells me to always ask for, like, the off-market deals.
	Yeah.
	And he told me that.
	All right, hold on, hold on, bro.
	Hold on, hold on, hold on.
	Okay.
	So, because we got a lot of people on the line, so I'm just going to go through this quickly and answer this.
	Do you control any real estate right now?
	No, not at all.
	Okay.
	You said your cousin's a realtor, right?
	Yes.
	Most realtors don't have real estate.
	Does your cousin actually control real estate as an investor?
	He has two properties.
	He has two?
	And he owns them outright?
	Yes.
	So, look, off-market deals are cool and everything else like that, but bro, you gotta find a deal first before we even talk about, oh yeah, I'm gonna go look off-market, whatever.
	Yes, off-market can absolutely give you good deals, whatever, but the point is that we gotta learn how to crawl before we sprint.
	Because the thing with off-market, and I'm going to tell you why I'm telling you this.
	Off-market deals are off-market for a reason.
	Typically, the reason why is because there's problems with the house that it doesn't make sense to list it because buying it in a conventional manner won't be feasible.
	Does that make sense?
	I'll give you an example.
	Let me give you an example.
	Let's say there's a house that is worth maybe $300,000, but it has really bad plumbing issues that would never get approved by a bank, right?
	So the reason why it's off-market is because the seller understands that they'll never be able to get what they want for the house.
	So they have it off market where you have more aggressive and creative real estate investors because they're looking off market and they'll go ahead and be able to take that in and they have some type of infrastructure where they can, maybe they didn't know a plumber, maybe they can get it fixed for a certain amount where it would make sense for them.
	But for a conventional regular investor like yourself who would be a beginner, you're not going to have that infrastructure where you can come in, you know, save $100,000 on buying a house, but now you need to go ahead and redo all the fucking plumbing.
	Does that make sense?
	Yeah.
	Off-market deals, 9 out of 10 times are off-market deals because they're a more sophisticated deal that requires a more sophisticated investor that knows what he's doing to take on that risk.
	Does that make sense?
	I got that for sure.
	So for you, bro, just get your first house.
	Do it with house hacking.
	You know, try to get a house that's damn near turnkey.
	I always advocate that beginners should always be looking for turnkey properties as their first property so you don't get a bad taste in your mouth getting into the real estate game.
	Pause.
	Because you can absolutely be disheartened and be pissed off if your first deal is a bad one and you want to save a couple bucks, you want to rehab all this other shit.
	That's a lot for a beginning investor to do.
	Get a turnkey, FHA that bitch, and you'll be fine.
	Put your 3.5% down.
	Live in the same area, live in the house.
	If you don't live in the same area, if you're not going to live in the house, at least get it as an investor.
	Put that 20% down.
	Be in the area so you can do it.
	How do I say this?
	You kind of get your training wheels and your feet wet in the best arena possible for real estate investing.
	That all makes sense, man.
	Thank you for the advice, man.
	No problem, man.
	That's what we're here for you guys to do, bro.
	So thank you so much for calling into the show, and I'm glad you asked that question because that's something that I think a lot of people that are new to real estate need to focus on.
	Guys, please, your first house, you have two options.
	Get it under FHA where you put 3.5% down and house act that bitch.
	Or B, if you're going to buy it as an investor, put your 20% down.
	But the thing that you should be doing as your first deal every single time is it needs to be a turnkey.
	What is a turnkey?
	A turnkey property, guys, is a property that you're coming in and it's pretty much good to go, ready to rent right then and there.
	Maybe some painting, maybe some minor shit, maybe take carpets out.
	Nothing too crazy.
	Nothing major.
	Right?
	We're talking about fixes that you could probably do yourself or someone that is a handyman can do.
	That's your first deal that you want to do.
	Okay?
	You don't want to go ahead and, you know, be one of these niggas come in and buy a house for 10k that needs to be completely rehabbed and all this other stuff and you got to go ahead and take out a loan and, oh yeah, I'm going to go ahead and work on my, getting my ARV after repair value.
	Fuck that shit, bro.
	That's all for sophisticated investors.
	But no, man, we got a lot of people on the line, bro.
	Oh, my bad.
	Okay, ask the last one, because you're a cast club, so that's fine.
	I'll give you one more.
	I saw this little duplex when I was looking for houses.
	I was thinking of doing, you know, the ramp one side out and then living the other side.
	That's house hacking.
	With the VA loan.
	That's house hacking.
	That's what we tell you guys to do all the time.
	Yeah, but it had a septic problem with the septic system.
	You said that I had to replace it for like 10K. Do you think that's something I should have done?
	Well, if that's the only issue...
	If that's the only issue when you have the extra money and you know someone that can do it, fine.
	But normally, septic problems can be fairly costly.
	I mean, that's not terrible.
	That's about average.
	Yeah.
	10k.
	If you've got the capital, do it.
	But if you don't, then...
	But you better...
	Tell the fucking seller to take 10k off the asking price.
	You could do that, too.
	That's something I would negotiate for a lower contract price.
	All right, bro.
	Thank you.
	All right, bro.
	Cool.
	That changed my life for real.
	No worries, brother.
	We got you, man.
	Hey, hold on.
	We changed your life?
	You can like the video?
	Bruh.
	It's all good, man.
	Hey, bro.
	I'm sorry, bro.
	I'll just be forgetting, bro.
	It's all good.
	It's all good.
	You're good, man.
	Ninja Watchers out here.
	All right, who's up next?
	This person donated $70 on Castle Club?
	Mm-hmm.
	What's up, brother?
	7800, you are up.
	7800.
	Yo, what's up, guys?
	What's up, man?
	Yeah, we can hear you.
	First of all, I'd love to thank you all for the content you guys did.
	To be honest, I know it's Monday, Monday, but I've been trying to connect with you guys for a while.
	And, uh, I'm from the Middle East, from the UAE, so...
	Hey, bro, your phone, your connection, your phone doesn't sound very good, so just ask the question right away, bro, because your phone, you're from the UAE, cool.
	But just ask your question, because your phone really sucks, no offense.
	Oh, no, it's alright.
	Um, it's not really a question, it's, um, I just wanna thank you guys, uh, you helped me out through my divorce.
	It's been really, really tough.
	I just wanted to thank you guys.
	After God, I was really lost.
	You guys helped me out a lot.
	I don't think you guys realized you guys literally saved lives.
	I think you were sent from God or something because you really did help me.
	When you get married, you save a lot of money, like $150K for marriage.
	It turns out the girl, whatever, the feminist or whatever, you get divorced and you just lost all your money.
	That's messed up.
	Watching your concepts really, really helped me just to...
	because I'm on the right path and yeah, I just want to say that.
	I'm sorry for taking up the time.
	You guys are awesome and I know it's Money Monday, so I'm not going to take a long time, but I just want to really, really say thank you guys.
	No, I really appreciate that, man, and thank you for calling in and letting us know how we impacted your life.
	Like I said, the only reason is because your phone sounds kind of bad on the air, but we were able to make out what you were saying.
	So thank you so much for calling in and giving us that.
	Guys like you definitely motivate us and inspire us to keep going, despite the fact that, hell, we counted up 15 different occasions where people have come for our necks.
	So guys like you kind of remind us why we do what we do, bro.
	So thank you so much.
	And divorce is never easy, bro.
	It never is, man.
	Congrats to you for getting out of it.
	Who's on the line next?
	Thank you for calling in, brother.
	One more thing.
	People always criticize Fresh.
	This is pretty stupid because you all know you are in business.
	No one can do anything by its own.
	It's always, you have a good team around you.
	And I know Myron probably, you know, sometimes carries the podcast or whatever, but I don't think the podcast would exist without Chris.
	Without, sorry, what Chris is about.
	I love Chris, sorry.
	But I don't think it would exist without Fresh.
	No, it wouldn't.
	That's absolutely true.
	We would have been banned everywhere.
	Sorry?
	No, I said you're absolutely right.
	If it wasn't for Fresh, we'd be banned everywhere.
	Yeah, yeah.
	No, but also, you know, like, yeah, one hand doesn't clap, man.
	You need a team around you.
	Anyone who starts a business knows that.
	And I think the people who criticize Fresh haven't started a business because...
	Man, you can't do anything alone.
	You always need to have a team around you.
	So, kudos to you guys.
	I just don't want to take too long on the line because people are going to call in.
	But yeah, I just want to say thank you.
	And keep doing what you're doing, man.
	Keep doing what you're doing, to be honest.
	Thank you, bro.
	Thank you, brother.
	Okay, let's get to the next caller.
	Guys, let's try to keep it on money questions because obviously it's Money Monday.
	This is the Nigga Dave Ramsey show.
	You know what this actually reminds me of, bro?
	Tom Likas.
	Back in the day, man, he would have people calling and like...
	Dad, you saved my life!
	And it's like, damn, did you really do that?
	And it's another full story.
	It's like, wow, he did because his rhetoric, his speech, his mindset, people were able to be more aware of what was happening in real time with dating, money, investments, and to be fair, he changed my life too.
	I remember I was dating a single mom and I'm marrying her, bro, and I felt alone and depressed and by myself.
	I was like, damn, what do I do here?
	I Googled on YouTube, dating single mothers.
	He came up.
	SoloTV84 came up.
	Ken Richards came up.
	I watched your episodes, but Tom's video was like, to the point, I heard all this call and said, listen, my life is in shambles.
	I feel alone.
	I felt the same way.
	I was like, damn!
	What's going on?
	And that right there changed my whole life path.
	And if that wouldn't happen, I would not be here today.
	So I mean, listen guys, you might hear a line or maybe a video or watch a couple of videos and say, damn, this changed my whole life path and it can help you anyway.
	So either way, it's a good show.
	All right.
	Who's up next?
	All right.
	Alright, so we got a Cast Club member here.
	Adam Russell on the line.
	What up, Adam?
	Thank you for cutting the line, my friend.
	He paid a little bit and, you know, put his money where his mouth is.
	What's up, Russell?
	Hit us with your question.
	Cool.
	Yeah, unmute him right now.
	Thanks to unmute.
	Hello, you hear me?
	Yeah, we got you, bro.
	Yeah, how you been, guys?
	Hey, I'm the guy same with the Uber, but I haven't figured it out yet.
	I just got my rental car from this model.
	You know, you know what I'm talking about.
	Oh, are you a BMW guy?
	It was a BMW Mercedes guy?
	You got crashed, right?
	Yeah, yeah, yeah, the BMW. Hey, I will let you know whenever the case is over with the gab because I called gab and I called these...
	Great juice.
	Okay, so what is your...
	You know what I mean, right?
	Okay, because I remember explicitly that Fresh told you you need to figure out what your payoff price was.
	Do you know it?
	I remember this.
	Yeah, I already talked with him, too.
	I just got a two-question, Myron.
	Wait, you talked with Fresh already?
	I mean, not two-question, really.
	Hold on.
	Whoa, whoa, whoa.
	Whoa, whoa, whoa.
	Okay.
	I don't think you talked with Fresh.
	Now that you...
	Because that was your homework.
	What is the payoff price now?
	Oh, it's...
	They haven't...
	They haven't did...
	They say...
	They just, they haven't settled it yet.
	I couldn't figure it out.
	I try to get something from them.
	No, bro.
	You're supposed to call the dealership you got the car from.
	Listen, it takes maybe a day or 30 minutes, depending on the company.
	It's not that hard to get that payoff amount.
	Yeah, yeah, yeah.
	Right now, the insurers try to take the car, and the loaner, they took the car.
	And the other issue is when they get involved.
	It's messed up.
	That's what I'm telling you.
	Brother, what are you doing with my brother?
	You know what?
	Ask him a question, bro.
	Just ask him a question.
	I think you're lost.
	No, no, hold on.
	No, no, no, no.
	Hold on.
	Stop the show.
	Stop the show.
	Bro, I vividly remember this because we spent like 10 to 20 minutes on the phone with you and Fresh went systematically, step by step, what you need to do.
	I remember your story.
	You got in a car accident.
	You were doing Uber.
	You had a passenger in your car.
	The car that you have is a luxury vehicle and it got totaled and literally Fresh told you, step one, you need to figure out what's still left on the car because I remember that you had said, oh, I don't want to make the payments anymore and Fresh told you, no, don't do that because they're going to sue your ass.
	Yeah.
	So I literally remember step by step what Fresh told you.
	Because this is obviously a memorable situation.
	How the fuck do you not know what the payoff amount is yet?
	That was the first thing Fresh told you to do.
	Yes, yes sir.
	I know what you're saying.
	Because I exactly went there.
	I told them.
	Each one of them, they gave me a reason.
	That's why I told you.
	I will call you later to let you know what's going to happen.
	They're calling now, brother.
	Or what happened.
	Because right now, the insurance, the dealer, they'll be like, okay.
	Nigga, this was a week ago.
	You had seven days.
	Yeah, that's what I'm saying.
	They've been playing, man.
	Brother.
	I called the lien holder today.
	I was like, bro, what's going on?
	I need to do this.
	I need to do that.
	How much I owe you?
	They was like, oh, we cannot do that.
	We have to do another whatever.
	And they said, call your lawyer or call your progressive.
	Call this.
	Each one of them, they threw me on someone.
	So...
	It's hard to deal with it, man.
	These guys are trained.
	Well, did you buy a car from a buyer?
	Or is it a real dealership?
	I bought it from DriveTime.
	I bought it from DriveTime.
	It's a corporate company.
	They should be giving you that ASAP. Yeah, man, it's so hard to deal with them, man.
	They even, like, they don't want to, they don't, like, the lien, the lien, the car lien, the company, they don't want to even give it to the...
	Okay, look, bro, take it away.
	So keep this very simple, bro.
	If you can't get that from the actual dealership, something's wrong.
	However, if you want to know the exact number or close to it, Go to kellyblueboat.com, kellyblueboat.com, type in your car trim, model, and year, and it's going to tell you the range between what the car is valued at at the current time.
	That's how you can know what the value of the car is in real time.
	But again, it's better if you have the more precise number from the company, but for whatever reason you're saying they're not giving it to you, which I don't understand why, but that's what I would do right now.
	Anyway, then the gap insurance.
	Did you forget that shit out?
	Did they give you yes or no on gap insurance or no?
	I talked with the Gab.
	They told me, look, man, whenever they settle everything and your issue is pay the lien holder, we will come after that and cover the rest of the thing.
	And they told me, look, whenever everything's done, call us when everything's done.
	Good.
	So it's in effect.
	So they're going to cover your difference, right?
	So they're going to reimburse it after.
	The problem now, they're progressive for Uber.
	They're fighting with my company for the lead.
	And they were like, oh, you give me the car.
	Oh, where is the car?
	And they called me, hey, where is the car?
	And now I figured out the car is in a coupon.
	I was like, damn, you guys calling me for that?
	Yeah, it's crazy, man.
	That's why I try to hit you with a different question.
	It's too much, man.
	But I'm going to let you know what happened.
	Just for the audience and for everybody, for the Cuts Club family, man.
	The Cuts where?
	The Cuts at the Coupart.
	Cooport?
	Carport?
	Yeah, Cooport.
	It's an app.
	Whenever the car gets hit, they send it there to sell it on auction.
	So typically, they send a car to either your choosing of a company to repair, like a repair shop, or their company that they repair cars at.
	Either way.
	But listen, bro.
	Keep it very simple, bro.
	The payoff should either be in your email.
	You know what, bro?
	If you go back to your first email...
	You want to hear his two questions that he had?
	Yeah, but let's get this real quick.
	The payoff should...
	The payoff...
	The amount or the real amount should be in your email from the first thing you got in the car or in your app.
	I think you can check that either way.
	But nonetheless, bro, the gap is going to cover your car and the difference.
	That's good.
	So that's good.
	But in any case, though, bro, you should know the payoff amount because you got to know if they're going to jip you or not.
	Because you need to know what you owe them and the difference so they can cover that difference for you.
	If you don't know that, then it's kind of up in the air.
	But whatever.
	That's my right question.
	No, no.
	Yes, sir.
	Appreciate it.
	Appreciate it, Frenchman.
	You had a lot of value.
	Thank you, Myron, too.
	What was your question that you want to ask?
	I heard you a lot.
	You say, hey, listen, guys.
	Listen, guys.
	Listen to what's going on.
	I don't understand what that means.
	I kind of understand a little bit, but I don't understand.
	Look, last time, last show when he kicked that hoe, he was like, okay, okay, guys.
	I need you to listen.
	There is something going on.
	You guys listen.
	When the hoes were talking to each other.
	So, either, like, you try to show us the women nature, or either, like, you try to say, listen, guys, women are black-built, and they read the room.
	I couldn't understand.
	Can you make, like, two episodes or one episode, whatever you want to call it, your own fresh translation?
	Like, I love you when you say translation.
	Whatever you want to call that episode, because sometimes I don't understand these hoes, man.
	Like, how they do the narcissistic tactic or...
	You said already, women are experts when they read the room.
	And there was a lot of issues going on.
	And then we saw what's going on.
	Like, hey, you smell like onion.
	Oh, you didn't look at me.
	We saw all the drama.
	We couldn't even know anything.
	But they was knowing each other.
	I don't know what I'm talking about.
	All right.
	If you know what I'm saying.
	Yeah, I know.
	Okay.
	What's the second thing you wanted to ask?
	That was it, right?
	Yeah, the woman translation or whatever you want to call it.
	That's it?
	Womanese.
	Yes, sir.
	That's it.
	Okay.
	I'm going to go through this.
	Appreciate it.
	Okay.
	Let me do this real fast.
	Okay.
	Let's go from the top here.
	As you guys know, we had a Fresher Fit After Hour show last Friday, right?
	We had the show at an unnormal hour.
	And the reason for that was because there was a boxing match between Jake Paul and Mike Tyson.
	The fight didn't end until damn near 1 o'clock in the morning or so.
	So we ended up doing the stream a lot later than usual.
	The girls, however, had been here since about 10 p.m.
	Some girls started showing up around 9, 10 p.m.-ish.
	All the girls got here somewhere around 12.
	Why do I say that?
	Because the girls had spent a significant amount of time with each other in the back room waiting for the show to start.
	I had ordered them food, they were hanging out, they were socializing, etc.
	And this is unlike most of the time where the girls come in, they're here for maybe an hour or so and then we're starting a show.
	So in this situation, they kind of like sat next to each other and kind of let their social...
	Differences permeate for bits, okay?
	Now, what this showed when we actually brought the women to the table and started having a discussion was when the women were having disagreements or arguments or whatever, and they would bring up certain topics or stories on their experiences from them being cooped up with each other back there for a few hours, what it revealed was Women are able to see social situations and be able to feel things on a deeper level than men are.
	They're able to read the room better than us.
	They're able to pick up on little nuances.
	They can pick up animosity.
	They can pick up resentment.
	They can pick up jealousy.
	So, that is what went down.
	Now, what do we tell you guys all the time on this podcast?
	Women are very good at concealing...
	You know, the truth from each other.
	They lie, right?
	They lie a lot.
	Oh, you look great, all this other shit.
	But the reality is they have some other pent-up resentment in the back of their minds and it's not until they're pressed or they have a disagreement that they actually let the things come loose.
	What do I mean by this?
	One of the girls apparently smelled bad.
	It wasn't until they got in a full-on argument That the girl brought it up.
	Hey, you smell like onions, etc.
	You're singing randomly.
	This was really weird, disturbing behavior, blah, blah, blah.
	But she never mentioned any of that when they were in the back over there.
	And it wasn't until they came to a heads that she finally admitted this stuff.
	And the little nuances that they picked up on, if you guys watched that episode back, it's a fantastic representation of female psychology.
	How, oh, you didn't say this to me or you said this to me in a certain way.
	It goes to what I always tell you guys on this podcast.
	Women don't necessarily care about what it's said.
	They care about how it's said.
	And the...
	What you guys saw on the panel from the ladies arguing with each other or bickering, etc.
	was a perfect culmination and representation of how women battle in the cerebral when dealing with each other versus in the physical like men do.
	That's what you guys were able to effectively see on the podcast last Friday.
	I really do want you guys to go back and watch it.
	And you guys, besides the fighting and the ratchetness, you guys are going to see a lot of the social nuances and differences between men and women picking up on petty little things to substantiate their disagreements or dislike for each Yeah.
	Cool.
	Does that make sense now?
	Yes, sir.
	Appreciate it, man.
	Thank you so much.
	All right.
	I hope you do an episode on Women's Translation, too.
	Like, you explain everything about these hoes, man.
	All right.
	Cool.
	I appreciate that, bro.
	Let's get to the next person.
	Thank you.
	Shout out to you, bro.
	Thank you so much.
	Have a good one.
	Appreciate it.
	Do it with the car, man.
	Do it with the car, man.
	Come on, man.
	Yes, sir.
	Give me what's in the chat if that made sense for you, ninjas.
	Yeah.
	That was a tough day.
	It was definitely a chat.
	Yeah.
	Funny, though, but tough.
	What's up next?
	Again, guys, for you guys that are just joining in, there's three ways to get involved in the show.
	Call to the show, guys.
	505-605-9740.
	Again, that number is 515-605-9740.
	Call to the show.
	If you want to skip the line, all you have to do is either donate on FNFSuperChat.com with the last four digits of your number.
	Donate with a Rumble rant on Rumble.
	Donate with FNFSuperChat.com if you're on X or on YouTube.
	Well, no matter what platform you're on, you can get involved with the show, FNFSuperChat.com.
	If you're on Rumble, Rumble Rant, or if you're on Castle Club, go ahead and send a donation through Castle Club, and we'll skip you in the line, because we got a bunch of guys on hold here on the Zoom call as well.
	Yep.
	So, go ahead.
	What do we got here?
	What's up next?
	Mr.
	Cardoza?
	Go ahead, bro.
	Guys, let's keep it focused on money.
	It's Money Monday.
	Go ahead, Cardozo.
	What's your question?
	Can you guys hear me okay?
	Yes.
	Yeah, we got you.
	Hey, awesome.
	Quick question.
	I'm sorry I have a stuttering problem, like fresh too.
	So yeah, so I have a house.
	I just got a house not too long ago, but I got it with...
	With a rural development loan.
	I was just wondering if there could be an issue if I bring in an Airbnb guest here and there to make some money.
	Could there be a potential problem with the bank or things like that?
	Where do you live?
	The house is in Kansas.
	So, okay, you bought this house.
	How'd you buy it?
	You said you used a rural land loan, which I've never heard of that.
	Me either.
	A rural development loan.
	Okay, was the house already built?
	Or did you build it?
	Yeah.
	Yeah, it's already built, but there's a type of...
	There's an FHA type of loan, and then there's the Rural Development Loan.
	Did it give you money to renovate the property to as well?
	Or do you get a funding for that, or no?
	How does that work?
	No.
	No.
	Okay.
	How much money did you put down?
	Not a lot.
	Only like...
	3%.
	But then I put a lot of that money down into the loan.
	So yeah, I didn't have to put a lot of money down.
	Okay.
	What was the purchase price?
	How much money did you put down?
	I didn't really put a lot of money down because I put a lot of the...
	Bro, I'm not asking.
	I'm asking how much was the purchase price and how much did you put down?
	Come on, man.
	Just answer the question.
	The purchase price was $122,000.
	Okay.
	And...
	Yeah, no money down because...
	So, wait, you put 3.5% down or you didn't put any money down?
	I didn't put any money down.
	I think you're changing the story all over the place.
	Yo, bro, okay, hold on.
	What's the question?
	You want to do Airbnb in the property?
	He wants to do Airbnb in the property.
	But here's the thing, though.
	You don't live in it, right?
	I do.
	I do.
	So you want Airbnb rooms in it?
	Yeah.
	Yeah, just for a while.
	Not for too long.
	I was just wondering if you guys...
	Are you sure?
	Hold on.
	Is there a detached structure at the property?
	No.
	What kind of house?
	No, it's a three-bedroom house.
	Two bathrooms.
	I'm a single guy right now.
	Dude, use Roomster, bro.
	It's less invasive.
	And the problem with Airbnb is that a lot of states, a lot of counties, they don't approve of it.
	So if you're, for example, HOA community or your, for example, district doesn't allow that, and you do it and you get caught, you may get in trouble.
	But if you do Roomster, you're just renting out a room.
	You think that's a safer alternative, right?
	Yeah.
	Roomster?
	Yeah.
	Never heard of that one.
	You put your house or your room online, people apply to it, and you just see the credit score, you see where they're at, what their job is, and you say yes or no.
	So it's more of a long-term tenant versus dealing with...
	Because, bro, I'm concerned with you having an Airbnb and people revolving, coming in, random people in your crib, bro.
	And for example, you don't give them what they want.
	They can just make a complaint and then your property comes up and you get in trouble.
	You may get fined.
	You may either get an alert.
	So a room store is more safe because it's more off-market and it's just like they're renting a room.
	Boom.
	Done.
	Yeah.
	So it gives the homeowner more power.
	You won't be liable for whatever happens.
	Like, for example, things break.
	Oh, that wasn't me.
	That was you.
	You're the landlord.
	I'm going to complain to Airbnb about you.
	So they make it more streamlined, just doing Roomster.
	Gotcha, gotcha.
	Because they have less avenues to complain.
	Yeah, 100%.
	Gives you more power.
	Okay, yeah, bro.
	Take Fresh's advice on that one, bro.
	Because, yeah, I would be very...
	I mean, we had to fucking drag it out of you.
	But I would be very apprehensive to have an Airbnb where I live in and I have random people coming in and out.
	I'll tell you this.
	My first ever home I lived in in Florida, bro, I got it on Craigslist.
	I went on Craigslist.
	It's on rooms to rent.
	I found a listing in Pembroke Pines, a very nice area.
	There's a family from Peru.
	Shout out to them, by the way.
	And my rent was like $500 a month.
	I had a nice-ass room and a nice-ass development.
	And I did it for almost a year and a half.
	So it came up pretty well.
	Rooms are pretty similar.
	Alright, boom.
	There you go, bro.
	Alright.
	Yeah, I was just trying to do an Airbnb because I thought I would be able to make a little more cash that way, you know?
	Yeah, you can, but at the cost of more risk.
	And then let's also keep in mind, you're going to be at the mercy of the vacation.
	Bro, ain't nobody going to Kansas, nigga.
	Like, come on, man.
	No, trust me, there's people here.
	Yeah, but enough where you're going to constantly have enough people coming in to actually generate the volume of money that you want?
	Probably not.
	You're probably better off being in a rural area like that.
	Hell, you've got a rural loan.
	You're probably better off getting a solidified...
	Basically a roommate, essentially, that pays you consistently that you actually know and you can do credit checks on versus Airbnb people.
	Also, Roomster and Craigslist, bro, you can actually negotiate cash.
	You don't have to pay with credit.
	No intermediary.
	You can make your own terms.
	Boom.
	So there you go.
	Okay, okay.
	All right, bro.
	That's what it is.
	All right, man.
	Thanks, guys.
	No problem.
	Hey, so let me get this...
	Alright, let's put some ground rules here.
	Guys, when you call to the show, right, stop withholding information because when you withhold information, it makes the process extremely grueling for us to be able to actually help you.
	Like, I notice here that, because this happened a few times now, where we ask you guys certain questions that are extremely pertinent for us to be able to give you the best answer we can, and you guys either lie about said answer or you don't want to disclose it, and then we're kind of sitting here like, well, what the fuck?
	This doesn't make sense.
	So, you guys have to be fairly transparent.
	You know, trust me.
	Nobody knows who you guys are.
	Nobody cares where you guys are at.
	Like, ain't nobody gonna come find you niggas.
	So, okay?
	So, just be honest about stuff.
	We're not gonna ask anything that's gonna put you in a precarious situation where you can actually be identified.
	Alright?
	We're not retards.
	So, please just answer the questions, guys.
	Yeah, man.
	It ain't that hard, man.
	Like, bro, I'm over here like, how much money you put down?
	Oh, I put some down.
	Yeah, I put like three and a half percent down.
	Okay, cool.
	Oh, no, I didn't put any money down.
	Bro, what the fuck?
	That loan type, I never heard about it before.
	I thought it was the one that they give you funding for your renovations.
	And the reason why I ask that is because typically, the less money you put down, the less wiggle room you have to put tenants and Airbnb and do all this other shit.
	You know what I mean?
	Because they're giving you the house a lot of times with a lower down payment, assuming that you're going to live in it.
	So you try to do some fuck shit like this, you can fuck up your loan.
	Yeah, if they find out you're cooked, bro.
	You are cooked.
	That's why we're asking this shit.
	But Airbnb and your shit is way more intrusive than having a roommate paying you a couple hundred dollars for a room.
	Way more public.
	You know what I'm saying?
	Yeah.
	So you open yourself up to way more liability.
	Good suggestion, bro, with the roomster shit.
	Who's up next?
	Hey, man.
	After living in my car for a little bit, that was way better than...
	It was a lot of shit, man.
	It was tough.
	All right.
	We have 0865.
	You are up.
	0865.
	You are up.
	What's up, man?
	Yo, what's going on?
	What's going on, man?
	Hey, quick thing.
	The last guy who called, he's talking about a USDA loan.
	It's called a USDA loan.
	If you got a property that sits on like 20 acres or plus, then, I mean, it's not that, and it's 100% financing.
	And you have to live on a farm.
	It's like a, you know, a homestead farm.
	And he can't do that.
	That's the reason why he's being, you know, deflected the shit.
	There you go.
	He can't do what you said?
	So he's not allowed to do that, basically, because...
	The Airbnb?
	100% financing.
	Well, yeah, that's what he...
	Yeah, yeah.
	He was trying to be slick.
	Just called in to say, man, Myron, that show about that space you did on X, hilarious.
	Oh.
	Do more of that, man.
	Do more of that, man.
	We missed Unhinged Myron, bro.
	Fresh.
	Let him loose.
	Let him cook.
	I have to do that shit on X or Rumble Only, bro.
	I can't do that shit on YouTube.
	Unfortunately, my friend for business is not always the best.
	Unfortunately.
	Yeah, y'all get in spurts, man.
	But I'm glad that you enjoyed it.
	Yeah, I did.
	I did, man.
	And the thing is that a lot of people complain about you sucking up to white supremacists and all that.
	If you did that, you'd be sucking up to the boys, man.
	They don't understand it.
	Yeah, they're idiots, bro.
	So, alright.
	Cool, man.
	I appreciate you calling in.
	Alright, man.
	Thank you.
	And clarifying what this guy didn't want to say.
	So, okay.
	Who's up next?
	Alright guys, call on to the show.
	5-5-605-9740.
	Call in with your financial questions.
	We'd be happy to give you guys our perspective.
	We're not financial advisors, but we'd love to, you know, kind of give you guys a different perspective.
	Obviously this isn't financial advice, it's just maybe some suggestions of what we would do if we were in your shoes.
	Let me help you in certain ways.
	Help you a little bit, you know what I'm saying?
	Hopefully we can help.
	You know?
	We have many different expertises in the financial world, so we can help y'all out.
	But this is not financial advice.
	Yep.
	This is bro advice.
	Yeah.
	For the bros.
	Exactly.
	It's big bro advice.
	Not for the hoes.
	Alright, who's up next?
	8458, you're up.
	8458, you are up.
	And we got First Fit News coming up after this, guys.
	Go ahead, man.
	Yo, can you hear me?
	What's up?
	Yeah, man.
	Oh, shit.
	Yeah, man, I've watched you ever since you had Sneak along for the first time.
	And, yeah, I'm 18.
	I just graduated high school.
	I decided not to go to college.
	Because, like, I watched, like, an old sneaker video about a lycologist scam, and I pretty much, like, I pretty much saw that for my whole life.
	So, right now, I'm working with my dad.
	I'm working with my dad.
	He doesn't, he's in handy, man.
	And, but, he doesn't have a license.
	He doesn't, like, reap all the rewards.
	And right now, I feel kind of lost, because I don't know what to do.
	Like, I don't know, because I've been grifting trade school for a bit, becoming a Christian.
	But, like, I see, like, the life he lives, like, how hard the job is.
	So I've been thinking of doing something online, like YouTube automation or something.
	See, I just want to ask, like, do you have any advice for me on what I should do?
	What does your father do?
	Like, what's the trade?
	He's a handyman.
	We're in New York, so he does, like, everything.
	Like, electricity, plumbing, key rock, construction, everything.
	So, bro, I mean, okay, since you help your dad, which of those things do you like the most?
	Do you prefer when you're helping him with the plumbing?
	Do you prefer when you help him with electricity?
	Boom.
	Okay, my friend.
	Now, you've identified something that you actually like doing, thanks to your father being a handyman in a bunch of different places.
	Now, you can go ahead and start the process of becoming an electrician.
	Go to a trade school.
	Yeah, why don't you get certified yourself?
	Get certified.
	So you become the predominant one.
	And then bring your father along to help you.
	And now you're the boss.
	Obviously, you might have to do it under the table or some shit, but you get the idea.
	You're the captain now at that point.
	Yeah, yeah, yeah.
	Yeah, bro.
	I think going to electrician school might be the move for you, bro.
	And isn't it funding for that?
	You can get funding.
	Yeah.
	Probably.
	So, bro, at least you know what you want to do, bro.
	Yeah.
	Your dad actually blessed you by exposing you to many different trades, and now you can pick what you actually like.
	That's the biggest step.
	Know what you want to do.
	So go thank your father for that.
	All right, man.
	Thank you.
	Shout out to you for the space last night.
	You were cooking.
	Appreciate that, man.
	We always try.
	Thanks for calling into the show, bro.
	All right.
	Thanks.
	No problem, brother.
	That's good, man.
	18 years old, obviously getting his feet wet with his father and figuring out what he likes.
	That's a blessing, bro.
	I'll tell you this, bro.
	Most people don't know what they want to do until way later on.
	Huge blessing.
	What's my purpose?
	There you go.
	Huge fucking blessing.
	Yeah.
	Zoom?
	All right.
	We got a Zoom call on the line.
	Go ahead, bro.
	What's your question?
	Hit us.
	Baith.
	Baith going once.
	Hello?
	Go ahead, bro.
	What's up?
	We got you.
	Hey, guys.
	Thank you again, as always.
	My question is, it was more for Justin back there about...
	He's not here, bro.
	He's not here today.
	But ask it, and if I know the answer, I can answer for you.
	Go ahead.
	It's probably, I'm assuming, something on digital marketing and sales.
	Go ahead.
	Yeah, because the software I use is similar to probably what Justin's using for his digital marketing sales agency, and I'm trying to network and work with people like that.
	Are you on Cows Club Premium?
	Yes.
	Yeah, he is.
	Okay.
	We got a call coming up.
	You know what?
	Since he's a premium guy, could we take care of him and get...
	You just want to know what software Justin uses, right?
	Well, just get connected with him and talk about network and ask him advice about it as well.
	Okay, we got you on a premium.
	Noble, can you make a note of that?
	Yeah, we'll set something up with you.
	Yeah, we got you, brother.
	Guys, at Castle Club Premium, we take care of all niggas.
	Pause.
	Noble, take care of him, man.
	Like that.
	Especially for more detailed stuff, guys.
	And what he's asking, guys, for those that are wondering, our marketing guy behind the scenes, he's actually one of them boys, too, which is hilarious.
	Um...
	He helps us with emails and running a lot of our stuff.
	He's talking about Justin.
	So if you guys are on Castle Club Premium, y'all get access to him.
	He's obviously in our Zoom calls as well.
	You can answer questions there too.
	But he really gets into in-depth on stuff on Castle Club Premium.
	And if you guys want really detailed shit, that's where you guys got to be.
	It's only, what, $65 a month or some shit like that?
	That's it.
	65.
	Cool for now.
	And you guys get direct access to a lot of the guys on our team.
	It might go up.
	Charlie from Cultivate Crypto, you get access to KC, us, etc.
	Rob.
	And we have, once a week, we have calls that are focused on one topic only, where we really hammer that shit down.
	How to make money, how to get dates, how to actually invest in coins, and what coins to get.
	We got one on fitness coming up this week that I'm going to do that's only going to be fitness.
	The classes are smaller, maybe 10 to 20 guys in there.
	Ain't those crazy people...
	Get massive value, because they come back every week saying I learned something new, I can apply today to my life.
	So listen, guys, if you want to learn these different categories of life, we got you guys.
	Because we can only go surface level here, but there, I can literally sit there with you and be like, alright, you show me a real estate deal, give me that fucking address.
	I pull it up and I run the numbers there.
	Also, if you want to see my value, go on premium, you're going to see it.
	Because I give y'all niggas this shit for free.
	Yeah, and we can't go into detail on certain things.
	I can't be honestly real here.
	But Baith, since you're a premium guy, don't worry, we're going to give you access to Justin.
	Alright?
	Noble's already made a note of that for you, so we'll get you in touch with him, no problem.
	Yeah, you want to be a millionaire?
	This will start in two days, but you can get the process going as soon as possible.
	Yeah.
	And we're the only niggas dumb enough to give y'all our people.
	That is true, actually.
	We give y'all our accountant.
	We give y'all our fucking marketing guy.
	Like, probably niggas stupid enough to do that shit, but that's fine.
	We love you guys.
	I wish I had this coming up in America, bro.
	I had to figure this shit out on my own.
	Go to different events, go to meetings, meet this person, that person.
	Y'all think Grant Cardone is ever going to give you his copywriter, nigga?
	Fuck no.
	Fuck no.
	You think Alex Arbose is ever going to give y'all his guy that helps him behind the scenes?
	Fuck no.
	Not even.
	You know what the biggest do?
	They sit in the front and make it look like it's just them.
	I'm pure upsells.
	It works.
	Thank you, bro, so much for calling in.
	We got you, though.
	We'll take care of you with Justin.
	Pause.
	Who's up next?
	Ace.
	Ace.
	If he was here, I would have got you, but we'll put you in touch with him.
	Ace, what's up?
	Hey, what's up?
	Can you guys hear me?
	Yo, what's up?
	Hey, question.
	Do you guys have anyone in the B2B space, like in business to business, corporate space?
	Say that again?
	You're going to have what?
	B2B. Okay.
	Yeah.
	Why?
	Well, just trying to see, what's that person's name so I can see if I can connect with him or her?
	Premium, bro.
	Premium.
	Got you.
	And another question is a two-part question.
	It'll be the last one.
	Besides, like, sales, what other avenues would you guys recommend, specifically staying, like, in a white-collar space?
	But hold on.
	Well, to be more fair, if you want something like that, go to Alex Ramosi.
	He's pretty good.
	What is he asking?
	Like, oh, B2B? Yeah, business.
	All right.
	I mean, dude, it depends on what skill set you have.
	Like, do you have a degree?
	What do you...
	I'm currently going for my associates in business.
	I work in B2B's retirement sales for small businesses.
	So I was trying to just pick someone's knowledge that I've been working in the space for quite some time.
	Well, that in particular is not...
	I mean, generally, Alex covers a lot of business stuff.
	He's one of the best that I know personally.
	But yours is retirement.
	You know what?
	Hold on.
	I'm trying to understand here.
	So, what is your question?
	You want to stay white collar, but do something else outside of sales.
	Is that what you're basically asking right now?
	Well, no.
	That was my second question.
	My first initial question was B2B. I've done B2B tech sales.
	Right now, I'm in retirement, but I've done tech sales.
	I've done real estate sales as well.
	That's a Justin question.
	So it's a vast industry and that's why I'm trying to see if you guys have anyone in that space.
	Justin is your guy for that because he does a lot of this stuff where he deals with, because we're like the only influencers he works with, but he normally works with like brick and mortar businesses and businesses like that you're talking about right now.
	So we're the only influencers that he works with.
	So that's definitely a question for Justin.
	If you're a premium bro, he'll hook you up with that, no problem.
	It's $65, man.
	It's fucking cheap.
	And then your second question is what?
	I'm going to look into that.
	Let's drop the link for him.
	He's in the Zoom call, right?
	For premium.
	But that's a very niche place that you're in, bro.
	So you need someone that's actually a mentor in that space.
	Yeah.
	What's your second question?
	That's why I was asking if you guys had any other avenues besides, you know, sales in that white-collar space that you would recommend.
	A lot of time, that's going to come with a skill set, bro.
	Whether you want to be an accountant, you want to get into finance, you're probably going to need some type.
	You want to be a lawyer.
	You're going to need a degree a lot of times for these other jobs that are white-collar that are higher-earning.
	Okay, that makes sense.
	And the two names, you said Alex Friedman and who else?
	Alex Hormosi.
	Alex Hormosi and what was the other?
	Justin Hu?
	No, Justin's our guy.
	To be honest with you, I think Justin will help you more than Hormozy, because Hormozy gives general stuff, but Justin will be able to answer your questions more direct on what you're doing, specifically.
	Okay, and I get access to him if I do premium.
	That's premium, yep.
	Yep.
	Okay.
	I appreciate it.
	And I also want to say, I've been listening to you guys for about a year now.
	I appreciate all the info you guys are putting out, Myron and Walter.
	And I hope you guys have a good night, man.
	Yeah.
	If you join a premium now, Noble's actually here.
	He'll look at you.
	If you sign up right now, he'll get you in with Justin.
	So just let us know if you're going to do it.
	If you do it today, we'll get you in touch with Justin today.
	All right?
	No sweat.
	Will do.
	Appreciate it, gentlemen.
	Thank you.
	All right, man.
	Cool.
	Okay, who's up next?
	On the phone line, 6828, you are up.
	6828, you are up.
	Go on, bro.
	What's up, guys?
	This is Joshua, Long Island, New York.
	Thank you very much for having me.
	I have a bit of a two-part question, obviously money-related.
	One of them is personal and the other is business-wise.
	So, on the personal side...
	I'm very big on trying to have savings accounts that will be able to have high interest rates and such.
	The one that I currently have is SoFi, and SoFi currently has a 4.5% APR.
	And I was wondering what other savings accounts, in your opinion, is higher, or they would recommend to have money interest accruing.
	How much do you have in your account right now, SoFi, roughly?
	Six figures or...
	Currently on SoFi I have about almost $20,000.
	Okay.
	Because Charles Schwab is like what?
	Bank of America.
	How much is that one?
	Merrill Lynch.
	Oh, sorry.
	Merrill Lynch.
	Yeah, but you need 100K. It's called preferred deposit.
	But you need 100K to open an account there.
	But you get...
	Right now, I literally just checked it the other day.
	It's like 4.27 interest in that account per year, annual, right now.
	I don't know any lower ones under 100K. I think Justin had mentioned to me something like Charles Schwab has it.
	We might have to lock the money in.
	Yeah, you gotta lock it in.
	Yeah, so the thing is, bro, with a lot of these money market accounts, it's one of two things.
	It's either there's a high barrier to entry where you need quite a bit of money to put it in, Or B, you're able to get in at a lower cost, but you have to lock that money in for a certain amount of time.
	So you kind of got to pick one.
	If you want to be able to pull money from it and keep liquid, fine, but you got to put a lot of money in.
	If you want to be able to get a good interest rate, but you don't have the money, you got to lock it in for a few years.
	So they always find a way to ensure that they get, you know, they say the house never lose.
	That's what I mean.
	So you kind of have to go off of based on where you are financially.
	If you have less capital, you might have to go ahead and put that money into an account where it's locked for a few years.
	Because it makes sense with 100k plus.
	20k is not enough, bro.
	Especially with inflation, too.
	It's tough.
	You might be better off putting that money into something else.
	Yeah, to be honest.
	Alright, so I'll just stick with what happened now until I get enough to get the account that you just mentioned.
	Alright, the second part of the question is on the business-related.
	I currently own a business of auto detailing, so I clean cars and I enjoy it.
	And I was thinking, obviously, with me being here up in New York, it's going to get the cold season, so it's obviously going to get slow.
	Well, I want to keep the money going, right?
	And I was thinking about making another completely separate business on helping others deal with budgeting, like have a good budget to try and get them out of debt.
	Basically, I kind of got this idea from you guys because you guys keep on helping others, like, get the heck out of debt, you know what I mean?
	So I was doing a test run on...
	My family members and I helped some of them get out like $20,000 worth of debt.
	Nice.
	Yeah, but okay.
	Alright, so hold on, hold on, hold on.
	I'm going to ask you exactly because I could already hear in my head like what Justin would say if you heard this shit.
	Okay, that's cool.
	You said before that you kind of have helped family members or whatever, but outside of family members, how are you going to get out to new people?
	That's what I was going to say is that I want to try and be part of a networking group, which I'm already in, and try to spread it around through word of mouth first, see what their thoughts are and things of that sort.
	But just wanted to get your input on it.
	So, okay.
	You have two options here.
	Obviously, you've got your car-dealing-tailing business.
	How do you market that?
	Currently through Google Ads and Facebook Ads.
	So you're running ads to it, right?
	That's fair.
	Correct.
	Okay.
	So you already kind of had the picture.
	So for everybody out there, right?
	If you guys don't have like a big platform and people don't know who you are, there's no way around it.
	You're going to have to run ads so people know about your business and your services, right?
	So...
	So you have two options.
	You can either A, keep doing your car detail business in New York and then potentially move to a warmer area where you can continue to use the Google Ads and see if you can still get that car detailing business going, maybe to Florida or somewhere warmer.
	Or B, you can start up this new business that you mentioned where you're going to be helping people with budgeting and stuff like that.
	But if you start this new business with budgeting, etc., people know you for the car detailing.
	So you're going to have to kind of Market in a whole other way and you're gonna have to pay for ads and ad spend is Can be very expensive very quickly, especially when you have an established name So are you okay with having to run ads and spend quite a bit of money on getting yourself out there in front of people?
	Yeah, I'm currently doing like up to a thousand dollars a month with running ads which is running me pretty good so far, but I Obviously slow season is slow season and that's why I was thinking about starting this other one and I was thinking about taking some money from my detailing business and putting it towards I'm a small startup of the budgeting business, so I just wanted to see if it was going to be a good move or not.
	There's one more option you can do, Caller, is you can create your own social media content in itself, where you give people advice, free value up front, and then you offer them a consult or you offer them a business deal.
	We'd have to get on social media to do that.
	Yeah, but you have to be more vocal and be on social media yourself, Instagram, TikTok, and YouTube.
	You can do that as well.
	But again, that's more of a hustle and more of an actual job.
	So that is a whole other avenue of making money.
	But the beauty with that is you don't have to run ads as much.
	So you could do that as well.
	Cool?
	Alright, thanks a lot.
	I appreciate it.
	Alright, brothers.
	Yeah, so some things to think about, man.
	Alright, who's up next?
	We have...
	5-6-0-5-9-7-4-0, guys.
	The number to call into the show.
	Because honestly, bro, if I was him, I would just hit up my clients.
	I'd wash their cars.
	Hey, are you in debt?
	I can help you.
	You could do that, too.
	But then again, if the season goes out of season, then he has to...
	It can be snowing.
	2098, you are up.
	2098, you are up.
	Hello?
	Yo, what's up, caller?
	Yeah.
	Can you hear me, guys?
	Yep.
	Yeah.
	So, I have a question regarding my dad's financial situation.
	So, me and my brothers, we take care of my dad.
	My dad is 87 years old, and he has a financial situation.
	Like he has a big debt of credit card loans, about like 80K.
	So we take care of him.
	So he started receiving letters in mail, threatening jail time.
	Should he file for bankruptcy?
	I'm not sure how this works.
	Wait, for not paying his debt, they won't put him in jail?
	Yes.
	Yeah.
	Did he take, like, federal loans or something?
	Whoa.
	I'm not sure because he needs to have his own business.
	And also that he has a medical issue.
	Like, he has dementia.
	He's experiencing dementia.
	So I'm not sure what exactly he's going through.
	And it's like, we take care of him.
	We check the mails for him, all that.
	And he's like, he has a baby.
	Okay, how old is he?
	You said he's in his 80s.
	Realistically speaking, how much more time do you think?
	What?
	What is it, I'm sorry?
	He's 87.
	No, like, realistically speaking, how much longer do you think that he has to live?
	Like, from the doctor?
	Yo, play the music, uh...
	Uh, no...
	Play the music.
	So, uh...
	He's in a good condition.
	Listen, bro.
	I'm not going with you.
	He's doing good.
	He's doing good.
	This is, uh...
	Like, just a dimension.
	This is your...
	This is not your conventional show about money.
	I will say this.
	Nigganomics.
	He gonna die soon, right?
	Listen, I'm not saying this for this to happen.
	I'm just saying, if you were to go to jail, bro, I mean, it's a lot of money, bro.
	80 kids are a lot of money.
	So, you gonna pay it back?
	Yeah.
	I'm not sure, but I mean, this is what I'm asking.
	I don't think so.
	So, you got two options from me.
	This is Nickonomics, bro.
	This is thinking with no brain.
	You fall back, Rupsy.
	I just call it a day.
	I send that nigga to jail.
	And that's it.
	Because, nigga, that's 80 kids all that money, bro.
	You gonna pay that shit back?
	Well, the debt won't go to him.
	I know, but it's his dad.
	He wants to help him out.
	Yeah, I know.
	I get it.
	Yeah, so that's what I'm asking, bro.
	How much more time do you think he has?
	Like, what did the doctor say?
	I'm gonna put him on life insurance.
	Like, he's doing good.
	Like, he's healthy.
	It's fine.
	But, I mean, just the dementia, I think.
	Dementia?
	I mean, bro, honestly, if you guys take care of him and he's financially dependent on y'all, that means that he doesn't really have to worry about his own credit or sustaining himself.
	If you guys take care of him, let him file for bankruptcy, bro.
	Might as well.
	It's not your...
	Got it.
	Honestly, it's not your credit, so...
	Yeah, because y'all already support him, so he doesn't really need to be, like, have a good credit score and, you know, work and all this other shit.
	Y'all take care of him.
	So since you guys take care of him, let him file for bankruptcy so he can get this debt off his back.
	He lived a full life, man.
	That nigga old man.
	Let him rest in peace, bro.
	Yeah, let him enjoy the last of his years, man.
	File bankruptcy and you guys got him.
	Yeah.
	Got it.
	Lean on me.
	I'm not sure, like, how this works, like, the bankruptcy, like...
	Basically, he's gonna fuck his credit up for, like, seven years.
	So if he files bankruptcy, what's gonna end up happening is, like, outside of, like, unless he has student loans, but you're saying this is all credit card debt.
	If it's all credit card debt, what they're basically gonna do is they're gonna give him a free, a clean slate, but his credit's gonna be fucked.
	For like seven or eight years.
	He won't be able to get a loan.
	He's going to have to report it to any job that he wants to get.
	But he's probably retired towards the latter part of his life.
	So him filing for bankruptcy at 87 isn't really like a killer like it would be for someone that's in the middle of their life, bro.
	And you guys support him financially already and take care of him, so it doesn't matter.
	So I would say let him just file the bankruptcy and get this debt off his back.
	Does he have any savings at all?
	Probably not.
	I don't think so.
	He just, he receives like, uh, like social security benefits monthly.
	Okay.
	Yeah, bro.
	This is what you do.
	Let him fall for bankruptcy.
	You take care of him.
	That's your father, bro.
	He brought you into this world.
	So now it's time for you to pay it back.
	He took care of you.
	Wiped your ass when you were a baby.
	Now it's time to pay it back and let him enjoy the rest of his life.
	I know he's suffering through some dementia.
	So let's make sure that the last few years of his life are great and that he can remember it.
	So let him do the bankruptcy.
	Get that shit out, out the way, and then you take care of him and let him kind of ride into the sunset.
	Listen, I was joking earlier about the, you know, going to jail thing, but to be fair, bro, life insurance is the way to go.
	He ain't going to get it, bro.
	There's no way he's going to get life insurance, bro.
	87 years old, no one will take that on.
	Hey, you never know, bro.
	There's a backdoor salesman over there that says, hey, brother, you want some insurance?
	I got you.
	Yeah, nah, man.
	Just let him declare the bankruptcy, bro.
	get the debt off his back, and y'all take care of him.
	Yes, sir.
	And also, like, one quick question.
	So, Chuy, how do you fire that?
	Do you reach out to a lawyer?
	How do you work for that?
	There's bankruptcy lawyers out there.
	Yeah, there's bankruptcy lawyers.
	Do a consultation with a few and figure out what your guys' options are.
	But yeah, nothing too crazy.
	Go to federal court, get it done.
	Got it.
	But would that affect all of his social security benefits or anything like that? - Or I don't think so. - There is a potential that they can take a portion of his social security benefits.
	There is that possibility.
	But, you know, if you get a good lawyer, that's where the lawyer comes in and, you know, make sure that the government doesn't try to, you know, take that from him.
	Or the creditors don't, excuse me.
	All right.
	That's what you pay the lawyer for, to negotiate these types of things.
	No problem, man.
	All right, bro.
	Take it easy, man.
	Thank you so much.
	Appreciate it.
	Thanks a lot.
	All right, man.
	Bro, going to jail for not paying dad is crazy, bro.
	Yeah, but that's where he's got to take care of his dad.
	Yeah.
	This is why you have children, for stuff like this.
	Yeah.
	You know what I mean?
	Who's up next?
	8402, you are up.
	8402, you are up.
	Hey, man, y'all are just talking, bro.
	My dad wasn't there for me, so.
	Niggas cooked.
	Hey, what's up, bro?
	Hey, guys.
	Myron Fresh.
	I'm the caller that called, like, was super chatting a lot during Neil's TPT episode.
	I told you guys I opened an Amex gold card for business for my watch.
	Oh, yeah, yeah, yeah.
	You're the watch middle man, yep.
	Yeah, yeah, yeah.
	And I just opened a business unlimited with Chase as well, 900 bonus that they're giving me, you know, 10K limits.
	But I just wanted to know, what is the...
	Because you guys never delved into this.
	How do I get high credit limits?
	Like, you know, as my business builds?
	Because I want to get that.
	I know you guys always did episodes on how to open credit cards.
	So this is how it goes.
	This is how it goes.
	You said you got Amex cards, right?
	Yeah.
	So the Amex cards you got, what do you got?
	You said you got a gold, right?
	Gold, yeah.
	Gold has no limit, bro.
	It's a charge card.
	Mm-hmm.
	So, gold, platinum, etc., they're charge cards, which basically means you've got to pay it off within 30 days.
	I mean, there are some options there where you can kind of let a balance carry, but it's a charge card, and the benefit is you can charge as much as you want, and there's no real limit.
	The negative is you've got to pay it back within 30 days, if not deal with higher interest rates.
	There's spending power on those cards.
	I was going to say next.
	They'll cut you off.
	They do, depending on what it is.
	But what you could do is, let's say you know that you're going to procure an expensive-ass watch for $20,000 and you normally don't spend that kind of money.
	Fine.
	You could go ahead into the Amex app, let them know check spending power, click the button and basically give an estimate of how much you're going to spend so that when you do go ahead and buy that watch, you're not going to get declined.
	And then what ends up happening with the algorithms and everything else like that with Amex, it depends on how much you're spending a month.
	So if you're spending a certain amount consistently every month, then you don't need to check the spending power.
	But if you're sporadically buying things here and there with a quick turnaround, then you might need to go ahead and use the app and check the spending power.
	But yeah, bro, just use your Amex cards if credit limits are a thing for you.
	And then the other thing too, if you're not using charge cards, you're using conventional credit cards where you have limits, that just takes time and trust.
	So use a credit card for six months to a year.
	You've been making your payments well.
	You're not carrying a high balance.
	Your utilization's good, etc.
	You're making more money.
	You can always apply to increase the credit limit over a period of time, whether you do it via the app or just call them directly and say that you want to increase your limit.
	But those are the ways to deal with it.
	Cool?
	Okay.
	Yeah, that's pretty much why.
	I just wanted interest-free, you know, interest-free and not being under the pressure to sell.
	Because sometimes, you know, you buy a product, you think you can sell it quick.
	Here's the thing, bro.
	I'm going to be very blunt about this.
	This whole interest-free thing, 0% APR intro, that's a temporary thing.
	Yeah.
	That's always somewhere between 6 to 18 months just as a promo for opening a lot of these cards.
	So don't get used to it and don't bank on it, right?
	Obviously, we give it to you guys as a tool and a way to kind of strategize getting yourself out of debt.
	I remember one guy called in, said that he has a bunch of debt on one credit card, and we said, hey, roll that over into another card that has 0% APR to give yourself more time to buy.
	But I don't want y'all becoming reliant upon that.
	So...
	The thing I'm trying to say is have good credit practices and utilize this 0% APR to build wealth versus staving off the inevitable and paying your debt back.
	Does that make sense?
	Try to stay away from that.
	I got you.
	Alright, thank you so much, man.
	I appreciate it.
	Alright, brother.
	Peace.
	Alright.
	Yeah, because that ends up becoming like a crux for people.
	Yeah.
	You have like 10, 5 cards.
	Yeah, you know what I'm saying?
	And then, yeah.
	It's one thing you transfer it to one card, then you transfer it to another after that and after that.
	It's tough.
	What's up next?
	8903, you're up.
	8903, go ahead.
	Yo, yo, Myron Fresh, can you not hear me?
	Yep, we got you, bro.
	Yeah.
	All right, brothers.
	First and foremost, I just want to thank you guys for all the work on the free game that you guys did about.
	My name is TC. I'm from Springfield, Massachusetts.
	Shout out to you, Myron.
	You grew up in Down the Street for me.
	The situation that I'm in currently, I work two jobs about 90 hours a week.
	I've been aggressively paying off debt.
	It wasn't anything super crazy.
	I had credit card debt.
	It was only like a $2,500 card.
	I paid that off recently.
	I have a car payment.
	That's getting paid off.
	I have $1,800 left on that.
	And then I have college loans.
	I dropped out from college.
	There's a lot of shit behind that.
	But anyways, it's like $11,000.
	But like I said, I'm working 90 hours a week.
	I'm gradually getting off debt.
	I know my income to, like, expenses to the dollar.
	So, like, I'm making anywhere between $6,000 to $8,000 a month.
	And my expenses are, like, $3,000 and less.
	So, my question to you guys, first and foremost, and recently I just applied for a credit card.
	It's a secure card because I guess I had credit.
	Sorry, I'm all over the place.
	Credit score is 693 right now.
	This card that I just recently applied for is a Discover card.
	$200 secured limit on it, but that's because, like I just said, all of my loans that I've been paying off, I just emptied out my savings.
	I put $2,500 to Bitcoin recently.
	Shout out Donald Trump.
	And then the rest of that, I've just been aggressively paying off the loans.
	I just emptied out my savings for like eight days.
	What do you guys suggest my next step is?
	Because I do want to get into how tight did you guys talk about.
	Yeah, what do you guys suggest next?
	Okay.
	I'm glad that you already have a lot of this stuff documented, which is beautiful because once you, you know, I always say what gets measured gets managed.
	You know exactly how much money you're making per month, how much money is going out.
	So if I'm not mistaken, you said you make somewhere between $6,000 to $8,000 a month.
	You're spending about $3,000.
	So you're pocketing roughly half of that, which is great.
	You put some money into Bitcoin.
	You're paying off your debt.
	You said you're $11,000 in student debt.
	How much of credit card debt are you?
	$1,800?
	No, that's what's left on your vehicle, right?
	No, no, I paid that off.
	I literally just paid that off.
	Okay, and then you said you only have $1,800 left on your car?
	$1,800 left on my car, but I'm literally trying to pay that off before the year ends so I can literally start getting at the...
	I'm trying to pay at least $2,000 to $3,000 for the college loan debt as soon as the year starts.
	Well, hold on, hold on, hold on.
	The college debt...
	What kind of college loan do you have?
	I'm not even sure, to be honest.
	I don't know the difference between each.
	I paid off one, but I think that was something like light.
	I think for housing or something like that.
	Okay.
	Do you know the interest rate?
	I do not.
	I do have to contact them soon because I think they're taking out like a hundred a month.
	Were they private loans or federal loans?
	Were they private or federal loans?
	I think private.
	Okay, so you're in a good space because you know what's coming in and coming out, which you've already done 80% of the work just by doing that.
	And then you have only $1,800 on your car, which is fantastic.
	So you're virtually only going to have student loan debt, which I would argue, if you're going to carry any type of debt, student loan debt is the best one to carry.
	So, okay.
	You said that, and then you said you kind of want to get into investing and everything else like that.
	I mean, bro, I would say step one for you is, and I see you're already taking steps with this, you've got to get your credit score to at least a 720.
	You said you're around 693, so you're right there.
	I'll tell you this.
	Because you won't be able to get into the real estate game with a shitty credit score.
	Like a 690 is going to hold you back in a lot of situations.
	Hold on.
	Once you pay that car off, bro, it'll shoot up probably like 720 plus.
	Once you pay that car off, 100%, bro.
	That's all you need to do right now.
	Pay it off, it'll shoot right up.
	Perfect.
	Perfect.
	One more thing.
	Well, not one more thing.
	So I'm not planning.
	I'm in a blessed situation right now.
	I'm living with my parents, or my mom, rather.
	Rent is like $200 a month, but that's not shit.
	So I'm able to kind of pocket a lot of that money.
	I'm not really looking to get right into it, Myron.
	I know everything.
	Like we talk about instant gratification.
	We don't want that.
	We want the longevity.
	So I'm knowing that I'm going to have to spend at least another year or two in our house.
	So, by the time I get that year, I know I'm going to be in the space of at least 7 to 17.
	You know what I'm saying?
	So, like, I'm not trying to get right into it, but I'm asking, like, should I just keep grinding?
	Also, one more thing.
	Just kind of a little congratulation to myself.
	I've been trying to get into the federal job, so I applied to be a firefighter recently.
	Today, I just passed the physical portion of the exam with 100.
	I'm waiting for my results for the written exam.
	Once those come out, I'll probably get that job, so that'll increase my income monthly even more, because I'm going to keep my side job as well.
	So, but what I'm asking you guys is, what is the, like, should I just keep doing what I'm doing?
	Is there a variation that you want me to add into it?
	How old are you, bro?
	How old are you?
	I'm 26 years old, brother.
	Alright, bro.
	Just, you know what?
	Stay with your mom.
	Save more money.
	You know what I mean?
	I wouldn't move out the house until you got your student loan debt done.
	The car's going to be knocked out this month probably before the end of the year.
	So I will say ride out with your mom until either A, you got that college loan debt gone, or B, you become a firefighter.
	And hell, even if you become a firefighter, I will say stay with your mom until you're making $100,000 per year.
	Facts, bro.
	Use it.
	Use it to your advantage, bro.
	But you're in a good position.
	And Fresh is right.
	Once you pay off your car note, your credit score is going to shoot up.
	So you'll be in a good position.
	And once it shoots up, you'll be able to take advantage of better cards.
	But bro, keep doing what you're doing.
	You're in a good position.
	Stay living with your mom.
	Pay off that student loan debt.
	Pay off that car.
	Knock it out.
	Get your credit score up.
	And then continue the process of being a firefighter.
	If you do get on as a firefighter, stay with your mom until you're making $100,000 per year.
	Or you pay your student loan debt off.
	Then we can talk about you potentially moving out and shit.
	But you're in a good position, bro.
	Keep doing what you're doing.
	Yep.
	Alright?
	Yes, sir.
	Two more things before I end it off.
	So, one.
	Bro, bro, bro, bro, bro, bro.
	We gotta move on, bro.
	Nigga, we got a lot of people.
	All right.
	7195, you're up.
	Also, whenever you pay a car off, it will dip a little bit at the beginning, but it's just right up after that.
	Yeah.
	Yeah, yeah, yeah, bro.
	We love you and everything, man, but, bro, we got a lot of beware.
	Nigga trying to beat the system, man.
	Come on, bro.
	7195, you're up.
	Was he from Castle Club, that guy?
	Yeah.
	Yeah.
	He was Castle Club guy?
	Yes.
	Alright, you call back in, bro, if we got time.
	We don't.
	But we got a lot of people.
	We don't.
	Go ahead, bro.
	Hit us with your question.
	You got any?
	Yeah.
	Alright, I'm in Minnesota.
	I just had a quick question for you guys.
	I won't take too much time.
	How do you guys balance your pursuit of belief or pursuit of faith with your pursuit of wealth?
	Pursuit of safe?
	Yeah, so a little background.
	I'm a Orthodox Christian.
	Oh, faith.
	He said faith.
	Oh, faith.
	Faith.
	Bro, we're not really religious.
	Me and Fresh, we've been pretty open about that.
	We're not religious at all.
	We should be, but we're not.
	Yeah.
	To be honest.
	Being transparent here.
	Yeah.
	Okay.
	I guess that's more of a question towards Fresh.
	I know you've been kind of battling into the Christian world as well.
	Bro.
	How have you been doing it?
	I'm not bad at anything.
	I'm actually very secular, but I should be more faith-driven.
	I think for me, more of it is more like, I've been raised in a church, I know what I should be doing.
	Bro, you don't have a money question?
	Well, no, let's tie into it because faith and success, he wants to put it together, see how we balance it.
	But what I will say is success is what I more work towards, for example, getting deals, moving towards getting connections, networking.
	And it came at a price of being places that I didn't want to be sometimes.
	Sometimes I didn't want to go out, I didn't want to go to certain events, but I had to be there because I had to be a part of that community to make it work.
	Almost like you're a chameleon.
	You have to change your current setup to maneuver in that environment.
	And then once I got what I needed, I just came back to doing me.
	So I would say for me balancing it, I didn't really balance because I didn't have to.
	But for you, you...
	I would say if you're going to follow the religion and follow faith itself, you should do it all the way.
	Don't just pick and choose what you want to do like what most people do.
	Like the girl the other day was like, oh yeah, I feel like women should be empowered because I feel this way and the Bible should do what I feel like.
	No, that's not how it works.
	The Bible is how it is.
	The Quran is how it is.
	Read it for what it is.
	But if you want to balance it both, sometimes you have to say no because it's going to go against your faith or your belief and that's going to be a good or bad thing.
	Yeah, but I put success 100% as a priority.
	And thank God I'm still here, but, you know, I should be putting God more in the front, you know?
	Gotcha.
	Yeah.
	Alright, any more questions for that?
	No, that's it.
	I appreciate you, man.
	You guys have a good night.
	Alright, bro.
	Cool.
	All right, who's next?
	Shark.
	Sharp.
	What up, Sharp?
	Yeah, but what I will say is, though, I am moved in the spirit to give out to God fully because I got a lot of reminders from you guys.
	And my mom's too, so.
	It's important, man.
	Especially nowadays.
	Could be in the last days.
	Who knows?
	Sharp from the Zoom meeting...
	What up, Sharp?
	Let's start from No Jumper.
	Hey, man!
	She's a hoe!
	Shut the short, man.
	Aaron Angus.
	Hey.
	Good afternoon.
	Good night.
	What's up, bro?
	What's up, man?
	Hey, what's going on, guys?
	So, two questions, actually, really.
	First question is, I was wondering when you guys were going to have KT Hustle back on.
	I kind of asked for him last time.
	I haven't seen him.
	On the podcast.
	I don't know if you guys...
	We've done like three episodes with him, bro.
	Three.
	Back to back.
	How you not seeing that, brother?
	I've seen the three.
	I just want like a...
	I guess a more updated version.
	You know what?
	If you guys want, we can do a Zoom call with him on Castle Club.
	How about that?
	Okay.
	Um, the second question is, um, I'm currently, I'm still new to the DMV area, so I didn't know if you guys, I'm in Casa Club.
	Yeah.
	So, I didn't know if you guys do anybody in the DMV area.
	I'm in IT. Currently go to a, um, HBCU. That's funny.
	I'll tell you this, bro.
	This is the beauty of Castle Club, right?
	We have a Discord in there.
	We have the actual Zoom calls.
	Like we do on Wednesdays or, for example, Sundays.
	And ask questions.
	Hey, who's in the DMV area?
	I do tech.
	Let's meet up.
	Let's link up.
	And actually, in New York, this is very well.
	Guys in New York that are in the Castle Club, they meet up, I think, once a week or once every other week.
	And they do their activities and they do their thing.
	So you can find your tribe in Castle Club.
	Just got to ask questions.
	Who's in the DMV area?
	I'm sure someone in the chat can tell you right now that they're in the DMV. And you guys can link up.
	All right.
	But sometimes you have to leave your environment, bro, to network as well.
	Just the way travel is something that's important because nowadays people don't want to leave their house or leave their environment.
	They think, oh, this is it.
	And then they wonder why they don't get any progress or they don't know what to do because you have to expand your mindset to explore more, you know?
	So going for a vacation, not vacation, but like, you know, going to events, going to workshops around the States could help too as well.
	Florida, New York, Vegas.
	You can meet new people that are like-minded like yourself in that sense as well.
	Cool.
	Okay.
	Alright, who's next?
	Polo.
	What up, Polo?
	Yo, what's up?
	Can y'all hear me?
	Yeah, we got you.
	Yo, shit.
	I didn't think I was getting in.
	But, um, okay, so, look, I'm 20 years old.
	I, uh, I have two kids.
	I want to get into real estate and I got about like 2.5 to 3k in debt.
	I have an Apple card and a Discover card.
	I just I want to know like what do you think should be my next steps?
	I make about like I'd say like 2.4k a month.
	I live in PA and So you're making $2,400 a month?
	Yeah, I do landscaping.
	Okay.
	You have $4,000 in debt, you said?
	$5,000?
	Yeah, pretty much.
	Because I do all my bills on my Discover card, so I pay that off pretty much instantly as soon as my bills hit and my paycheck hits.
	But...
	Then it's just my Apple card that...
	I have an ATM through the ATM together.
	Okay.
	Okay, so I guess I'm pulling in about $170, $200 a month from that.
	It's just one.
	Um...
	But, yeah, so I just, I don't know.
	Yeah, bro, you need another job, bro.
	Because, to be honest with you, bro, if you look at your yearly salary minus taxes, you're not going to get that much money towards your debt.
	I would get a second job, bro, at least.
	Okay, I was thinking about that.
	Dude, you know simple, bro, and people kind of like underestimate it?
	Uber, bro.
	You get in your car.
	Well, I don't know what car you have, but hopefully it's a car that's in the current years.
	I think five years under the current year.
	And you do Uber, bro.
	Definitely not.
	No?
	Okay.
	Okay.
	Yeah, it gets me to and from work, but...
	Maybe not Uber then.
	I mean, I'm definitely...
	No, I'm up for like...
	Because my boss is hella lenient, so I'm able to, I mean, I'd still do, like myself, I work 7 to 3 Monday through Friday, so I could pick up, like, a job on the weekends, and in the afternoons or something, like fast food, I don't really give a fuck, just something else that brings in money.
	So, here's what I would say for you, brother.
	You got two options.
	Either you can go on your own and do your own gardening company, for example, like landscaping, where you have your own clients and expand that client base, which is kind of a little bit more harder to do if you don't have your own setup right now.
	Or, you get a second job and use that money to pay off the debt.
	Because, bro, at 28k, which is before tax...
	No, no, no.
	2.8k.
	$2.8k a month?
	Oh, yeah, yeah, yeah.
	My bad.
	Are you talking about how much I'm in debt or how much I make a month?
	No, yearly.
	Oh, okay, okay, okay.
	So $28k before tax and you got to pay $5k plus in debt?
	Yeah, bro.
	You need a second job, bro, at least.
	Okay.
	And then to get into real estate, I was thinking about an FHA loan, but at the same time, I don't really want to live in this house.
	Is there any other types of loans that would be good?
	Unless you're trying to do conventional, no.
	I think for you, bro, you may not want to do it, but to be realistic, that's the best way you can get your foot in the door for 3% down, which is FHA. Okay.
	And actually own the property because, bro, otherwise, 20% down is what you got to put.
	Oh, shit.
	I will not even look at that as an option.
	Okay.
	If you raise your income, then sure.
	But for now, nah.
	That's not a viable option.
	My one buddy, he was telling me, he wanted me to get into the oil rigs, but I also, I really want to be an electrician, like get into the union, and I don't know, what's your thought, like, should I go for the union or should I go for the banks?
	So here's the thing about choosing your career path, right?
	I can't tell you what to do because this is going to be your life.
	But what I will say is, the first thing you need to do is pay off your debt.
	That's 100%.
	Pay that off first.
	That has to go.
	Secondly, I would venture out and if I have friends in the industry, I would ask them or either go to their workplace and see what actually they do and see if I like it and if I can actually do it well.
	If I can do it well and I actually like that field of endeavor, then that's what I'll do.
	Now, you can always like what you do, but if you can choose and see what's in that career path, then by all means, go for it.
	If not, the one who makes the most money, I'll run with that for now.
	That's what I would do.
	But again, it's your life, brother.
	You gotta live it how you want to live it.
	And I think logically, I think, okay, what's the most money and what I can do very well for a long period of time.
	What'd you say?
	No, so just to repeat.
	Living how you want to live in and what?
	I think logically.
	So I think what's going to make the most money for me.
	Oh, fuck.
	What I can do well.
	Hello?
	Can you hear me?
	Hello?
	Yo, can you hear me?
	Yeah, I can hear you.
	You said, um, live it how you want to live it, and what else?
	So again, I think logically, bro, I think what can make the most money, what is going to pay, what's also going to, um, I like to do, and then, for example, what can do for a long period of time to make money.
	So, that's what I do, bro.
	I plan out in advance two to three years how much I'm going to make, and I plan for that to invest in real estate and different assets in that way.
	But that's just me, though.
	It's up to you what you want to do.
	Cool?
	I hear you 1,000.
	Yo, and before I get off here, I just want to thank y'all, bro.
	For real, I love y'all.
	You, fresh, bro, you get too much hate that you don't deserve.
	So, I just love you, man.
	And you too, Myron.
	I've been listening to y'all for the past, like, two years, two and a half years, and that's how I got my Discover card.
	Shout out to you, man.
	Just to pay out that debt, though.
	Yeah, in fact.
	Alright, brother.
	Y'all have a good night.
	You got it, man.
	Alright, bro.
	Peace.
	Okay, guys.
	We gotta do a call for FNF News coming up.
	So we're actually gonna head into that after these chats.
	And we'll see you guys in there.
	Yeah, but, um, you gotta pay the shout-out, this dead-out first, bro.
	That's gonna be paramount, bro.
	For most people, just pay your dead-out first, if you can.
	Especially your credit cards.
	Tfellyfield says, What's up, FNF gang?
	My name is Terry, 32, and today I finally became a CC Premium member and supporter.
	Shout-out to you, bro.
	Don't have to mark up for this guy.
	I'm coming up in the world.
	I'm ready to take the crypto course.
	I have an intro on the WAP app.
	I can't connect to Discord.
	He keeps timing me out.
	Noble, do you know why he keeps getting timed out in this WAP app for Discord?
	Yeah, I'll go in.
	I see your name on the WAP right now.
	You can see his name?
	Yep.
	Okay, he's going to check it out for you, brother T.Felly.
	He got you, bro.
	Alright.
	Uncle Luke.
	What's up, guys?
	Fresh and fit up in this bitch.
	I have an idea for Money Mondays.
	Educate some of the viewers on college degrees that they can get, which will guarantee them a career once they graduate.
	Medical careers, accounting, engineering, etc.
	So not to waste money.
	Thanks, guys, on gold bills.
	Yeah, that's a good idea.
	We should bring in a professor or something like that for the show.
	Pretty good.
	Freshest dog.
	This is the Uber driver caller.
	Dictator.
	That's a good idea.
	Oh my god.
	Abo Ace.
	To the guy driving Uber who crashed his car asking about an episode on womanese, check the old episodes with Donovan Sharp.
	There's a specific episode strictly about womanese and terms of female use and what they really mean.
	Check them out.
	Only the OGs know.
	That's actually a good episode, guys.
	Go check it out.
	Okay, Fresh Updates again, WFNF. Shout out to you, bro.
	Keeptellin says, you're fresh.
	How do we save our black queens?
	Oh yeah, I did X-Space for like 35 minutes.
	I said, brothers, how can we actually change and help our black queens?
	You know what the end result was?
	Nothing.
	Absolutely nothing.
	They're cooked.
	Alright, what's the next one, bro?
	Yeah, we can't find anything other than takeaway weave and wigs.
	Then they'll be in trouble.
	And then they need our help and we say, listen, you want these things back?
	Do X, Y, Z. Maybe that might help, but I don't know.
	But they're cooked.
	Sine Abrams says, okay, 7195, keep doing what y'all are doing.
	Just sort of quick questions for you fellas.
	Did we do the other one or no?
	Yeah, we did.
	Cool.
	And good to go?
	Yep.
	All right, guys.
	Monday, Monday call-in show.
	Nigganomics was definitely good.
	We covered a lot today.
	And we're going to do a live stream for FNF News right now, actually, in like, what?
	Five, ten minutes?
	See you guys there.
	Awesome show.
	Peace.

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