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Nov. 25, 2024 - Fresh & Fit

02:29:44

Money Monday Call-In Show

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Time	Text
	Thank you.
	What's up, guys?
	Welcome to the Freshman Podcast, man.
	It is Money Monday, Money Monday.
	Call and show Nickonomics.
	Let's get into it!
	it let's
	go it let's go What's up, guys?
	Welcome to the Fresh Air Podcast, regular edition.
	It's Money Monday, guys.
	Happy to have you guys here.
	For all you guys that are wondering, we got a special deal that we got for you guys for Black Friday.
	We're going to announce it a little bit later on in the show.
	I apologize for us starting a little bit later than usual.
	We had to handle some stuff behind the scenes.
	Hope you guys enjoyed my stream yesterday on Rumble only, of course, and on X. I couldn't do it on YouTube.
	But me and Tommy Sotomayor were cooking.
	It was a good time.
	We're going to talk a little bit about that more in the news segment.
	But today is Money Monday call-in show.
	As you guys know, it's kind of like the Dave Ramsey show, but Ninja Edition, so to speak.
	Yeah, for our people.
	Yeah, so as you guys know, rumble.com slash freshfit.
	That is the home base, castleclub.tv.
	You know exactly where to find us.
	If we ever get canceled, you know where we will be.
	And I'll make that announcement a little bit later.
	But let's go ahead.
	We've got the phone lines open, guys.
	To call to the show, what are the rules?
	505-605-9740.
	Again, that number is 505-605-9740.
	We've had that number for four-plus years now at this point.
	And that is the number to call into the show.
	Ask your question.
	If you guys want to cut the line, go ahead and just donate on fnfsuperchat.com or you can rumble rants in.
	If you're watching on YouTube, use fnfsuperchat.com.
	If you're watching on X, fnfsuperchat.com.
	If you're watching on rumble, you've got two choices.
	You can do fnfsuperchat.com or you can rumble rants it in.
	And if you're watching on...
	Yeah, that's pretty much it.
	Yeah, we ain't on Twitch.
	Fuck that place.
	So, yeah.
	What else we got here?
	And then pretty much, guys, premium.
	Wait for the middle of the show.
	We've got a big surprise for you if you're in premium right now for Castle Club.
	Or Castle Club regular.
	Yes, we got you guys.
	If you're in Castle Club regular or premium, we got a big announcement for you guys.
	You guys stuck with us throughout the year and we got something real special that we're going to put out for you guys.
	I think you guys are going to be very happy with it.
	For sure.
	But yeah, again.
	Oh, and then also guys, if you got...
	Are we doing TTS? Yeah, TTS is always there.
	So if you guys want to do that as well, FNFSuperchild.com.
	I think the limit is, what, $20, $35, something like that?
	$35.
	$35.
	So if you guys want to go ahead and interrupt the show and be heard for real, and want to make fun of me, or Fresh, or Moe for being fat, or Bills, or Noble, or...
	Anybody?
	Yeah, one of our guys in the room that's one of the boys.
	Go ahead!
	Go ahead and make sure to go ahead and shoot your chat in and roast any one of us.
	You guys literally have all the rest in the world.
	Raj, tip $100.
	$8,353.
	I'll have to be in the phone line.
	Okay.
	All right.
	Shout out to you, bro.
	Shout out to you, bro.
	Hey, guys, just put the last four digits of your number.
	Some of y'all niggas put your full phone number in there.
	Don't do that.
	Yeah.
	Okay?
	As someone that literally got their phone number doxed recently, it sucks.
	So don't put your phone number up there.
	You got dox?
	Oh, yeah, bro.
	They dox me all the time.
	My brother began calls and shit.
	He'd be like, bro, what the hell?
	All these people hit me up.
	I'm like, hey, they're good.
	What the heck?
	Yeah, bro.
	It's funny, but it's not funny.
	It's like, I'm used to it now.
	I don't even get mad when people dox me.
	I'm just like, all right, whatever, bro.
	Yeah.
	They send me death threats.
	We know where you live.
	All right, come by.
	Hang out.
	Just take your shoes off at the door.
	You tell them to pull up?
	Yeah.
	Yeah, tell them to pull up.
	That's how I pull up all the time, bro.
	They'll be like, oh, this is your address?
	I'll be like, yes, I'll be here today.
	You're about to get smoked.
	No, they're about to get smoked.
	That's what I'm saying.
	They're about to get smoked, man.
	So, hey, man, it is what it is.
	But yeah, at this point, when you've went viral as many times as we have, and you've gotten thousands of death threats like we have, like, bro, nothing fazes you no more.
	I feel like this is mild compared to what we had in the past.
	It's fucking nothing, man.
	It was way worse in the past, for sure.
	Oh, yeah, way worse.
	Way worse.
	Been through way fucking worse.
	This is like a walk in the park.
	Bro, it was so bad.
	I'll go outside niggas to be like...
	Hey, you like black people?
	Nigga, obviously I'm with you guys, right?
	I'm here next to you, right?
	Come on, man.
	It's crazy.
	Bro, at this point, it's like, whatever, man.
	But it's funny, because everyone that comes up to me and says, hey, man, can I get a photo of the show?
	Most of the time, they're black.
	So I was like, alright.
	I'll be honest though, some of them watch only one episode.
	Probably.
	Sometimes they'll be like, oh yeah, I watched you guys.
	What was the last episode you watched?
	Andrew Tate.
	I was like, alright bro.
	That was a while ago.
	That was a while ago.
	Anyway.
	Phone lines?
	Yeah, so we'll go to phone lines.
	505-605-9740.
	Once again, guys, if you're watching on YouTube, FNFSuperChat.com.
	Send in the last four digits of your number.
	Or if you're watching on Rumble, last four digits of your number.
	Or if you're watching on Cast Club, the best place to watch the show, by the way, which you can watch the show on Cast Club right now, by the way, guys, if you're a free member.
	Don't got to pay a dollar.
	Go in there and watch.
	You can join in the chat over there because it's hilarious.
	They pull memes.
	You can donate on there, and you can also go ahead and put the last four digits of your number.
	We'll get you in.
	We got a shooter.
	No, no, no, you don't.
	No, you don't, bro.
	All right, let's set up our guy that donated, Raj.
	Raj.
	Let's get Raj in.
	So, big up to you.
	$120.
	Shout out to you, Raj.
	8352, you are up.
	8352, and thank you for correcting your number.
	Alright.
	Yo, Raj, you there?
	Oh, hey, man.
	Can you guys hear me?
	We got you.
	Go ahead, bro.
	Hey, man.
	First of all, man, I just want to say thank you for all the value that you guys provide, man.
	The free stuff.
	My question is about real estate.
	Do you guys think, because I think I called you guys about two weeks ago, instead of renting out each house to a family, do you think it's a good idea to do it each room individually, that way you can make more money, or should I just stick with the family?
	What's your guys' thoughts and opinions on that?
	What kind of house are you trying to rent out?
	Single family or multi-family?
	Oh man, it's the single family one.
	So all of them, three beds, two baths.
	So, here's the thing, bro.
	Like, if you're rented by the room, you can do that, but that's more tenants that you gotta deal with.
	Yeah.
	And then you can run into issues where, like, they might not get along with each other, they're in close proximity.
	And then also, depending on what state you live in, what town you live in, you could be messing with certain ordinances when it comes to, you know, how you rent your house out, right?
	So...
	I would say, dude, if you're going to have a single family home, the most optimal way is to put a family there and then get the most rent that you can get.
	Like, me personally, I got a couple single family homes that I own, and I own them outright, right?
	I just paid cash for them, I own them outright, I collect all the rent, and it's pretty simple, man, when you have a single family.
	Yeah.
	Especially when they got kids and shit.
	They typically don't want to leave.
	They want to stay there because of schools and all this other stuff.
	So, you could go by room.
	You could do that.
	Like, there's nothing wrong with doing that.
	But just be prepared for a few more headaches, bro.
	Is it a community?
	I did the rooms when I first bought my first one.
	It was the FHA loan.
	Yeah.
	And I was...
	I rented out the rooms and I was kind of tired of dealing with the...
	Yeah, it's a headache.
	It's a headache, bro.
	A huge headache, bro.
	So I pretended to be like the property manager.
	I didn't tell them that I owned the house.
	Yeah.
	I thought, oh, it's the property manager letting me live here and I had to pay rent.
	It's actually something I learned from you guys.
	Yeah, smart.
	Good.
	That's what you do, man.
	Good.
	Yeah, it was a headache.
	It was a headache at this point.
	But, I mean, the family that I have in there...
	I mean, right now it's being managed by property management, and I haven't actually seen them in two years, but then last week I was thinking, like, oh, man, maybe if I do rooms by rooms, then maybe I can get more money out of them.
	Yeah, but look, bro, more money isn't always worth it, bro.
	Like, I will take, you know, $100 less, right, per month to not deal with problematic tenants.
	Yeah, you want steady tenants that are going to pay all this whole time, even if it's less money.
	Yeah.
	Because the thing is with problematic tenants, they could give you more money up front, but you're going to have to pay for it later on.
	They'll break shit.
	They'll want you to fix everything.
	They'll create issues for you.
	Or they pay late, and then you've got to evict them.
	And then you go through the eviction process, you kick them out, and then you have a month or two of vacancy because you have to go ahead and fix that house up, repaint it, and all this other stuff.
	So you're better off, bro, just having consistent tenants and raising the rent on them very rarely.
	Only when you absolutely have to.
	I got a couple tenants that are under market, but they're good tenants, so I'm like, fuck, I'm not going to raise the rent on them too crazy.
	And if I do, it's nothing more than like $50 to $100 at most after a couple of years.
	And that's only because some of the houses I have in hot markets, so I'm able to do that.
	But in general, bro, you want a simpler, you know, you don't want to deal with headaches, bro.
	Okay.
	Sometimes the extra money isn't worth it, bro.
	Keep the family in there.
	Huh?
	What was that?
	I said, I guess I'll just keep the family in there.
	Yeah, I mean, bro.
	Okay, let's crunch the numbers real fast.
	And obviously, you donate a bit more, so I want to really get into this, because some people in here might be property owners.
	How much does a house generate a month?
	Gross.
	Okay, so...
	I have four of them, right?
	One of them I live in, and then the other three I rent out.
	Okay, you have three single family homes?
	I'm evened out.
	Yes.
	Okay.
	The other one I live in.
	So which one is the one that you're talking about renting out the rooms?
	How much does that one generate?
	Or are you talking about all of them?
	Well, all of them.
	I was talking about all of them.
	Oh, you want to put all of them in rent and buy rooms.
	Okay, so you said three or four single-family homes?
	Three single-family homes.
	Three rented out.
	Did you buy them all cash or how did you pick them up?
	You acquired them, you said one through FHA? Yeah, so one through FHA. The other one was through, I took my money out from my 401k.
	And then the third one, I worked a lot of overtime.
	And then the fourth one, I took a little money out from my crypto, but not a whole lot, just a little bit.
	Hold on, okay.
	So all of them, you use mortgages on all of them then, right?
	Yes, yes.
	Okay, how much did you put?
	So on one of them, you said you did FHA, so you put 3.5%, 4%, 5% down.
	What about the other three?
	How did you get those?
	Did you put FHAs on those as well, or did you put more down?
	No, it was 15% to do conventional.
	So you didn't live in them then?
	I don't live on them.
	They're rented out.
	No, but you put 15% down.
	Why'd you put 15% down?
	Oh, that's what the lender required me to.
	As an investor?
	Yeah, as an investor.
	What state are you in?
	FAT on the first one.
	What state are you in?
	And then after that, everything else was...
	What state are you in, bro?
	What state?
	Yeah.
	Oh, I'm in California.
	They let you get away with only.50% down as an investor?
	Goddamn, nigga.
	Okay.
	Yeah, it was the same lender that I was using.
	Alright.
	Hey, I'm not mad about it.
	That's good for you.
	Okay, so yeah, you got a deal there somehow.
	Okay, so basically you did FHA on one house and then the other three you did 50% down on each of them.
	Yes.
	And when did you pick them all up?
	Well, okay, so the recent one I did Oh, like, $50k, $60k?
	Okay.
	Now, are you cash flowing on all of them?
	Oh, I'm sorry.
	The last one, the fourth one, it's actually out in Texas.
	Okay, last one's in Texas?
	Okay, you only picked that one up this year, so you're probably not going to get that much appreciation.
	Okay, how much are you cash flowing on all of them?
	So one of them, I'm evened out.
	And then the other one, it's $500.
	Okay, so one breaks, let me guess, the one that breaks even is probably the one you had the FHA loan on, right?
	No, that's the one I'm making money off.
	Wait, you just said you're breaking even on it.
	The other ones I am.
	Okay.
	Hold on, hold on.
	Raj, Raj, Raj.
	You got to be clear about this.
	So the one that you did with the FHA loan, the first one you picked up, how much does that make you?
	Does that make you money or do you break an even?
	That's the one I'm making money, $500.
	Okay.
	The second one, how much is that making you?
	That's the even, $2,800.
	Okay.
	That one breaks even.
	You put 50% down on that one?
	Yes.
	Okay, third one.
	The third one is out in Texas and it's even.
	Okay, fourth one.
	Fourth one I'm living in.
	That's the one I'm living in.
	Okay, so you make 500 and then the other two you make...
	Okay, now I see why you want to run out the rooms.
	So, the two that are breaking even, you put 50% down on those?
	Yes.
	Okay, what are the rents at?
	Are the rents at market rate?
	Yeah.
	It's like the cap.
	It's $2,800.
	And then the one in Texas is actually $1,300.
	Okay.
	So $2,800.
	So you basically got them at market rents.
	Right.
	Yeah.
	And then the one that I'm making money off, my mortgage is $1,900, but I charged them $2,500.
	And that's because the interest rates were low.
	That's the one I got the lowest.
	It's like a 3.2.
	Okay, so your mortgage is low.
	Okay, so that's why you're cash flowing on that one.
	And then the other two is, what were the interest rates that you purchased those other ones at?
	So this last one I bought was an investment.
	So it was more like a, I think it was a 7.2.
	And then the other ones was a 6.2.
	And then the third one was like a 5.5.
	Okay, and the rates aren't really that much better right now, so you wouldn't want to do a refinance.
	But you have equity in all three of those, right?
	A significant amount of equity because you put 50% down and they appreciate it, except for maybe the one in 2024?
	Right.
	I mean, even in that one, I bought it for like 165, and the appraisal report came back at 180. There's equity in that one too.
	Real quick bro, your properties, are they in the HOA community or are they just like outright alone with no HOA community?
	Are there HOA fees?
	One of them, you said if it's HOA? Yeah, do you have HOA fees?
	Yeah, yeah.
	The very first one, the one that I'm making $500, but I'm taking $500 after everything is paid.
	Yeah.
	So it has HOA fee, but he's profiting.
	But the other ones are single-family homes, standalone, with no HOA. Now I see why he wants to go ahead and rent the rooms.
	He's breaking even.
	Yeah, because he's breaking even on them.
	So look, you got two options, bro.
	I want to cash out refinance.
	Fuck that.
	You're not going to benefit at all.
	You got some equity in two of the houses.
	You could do a home equity line of credit on there, right?
	Since you got some equity in there.
	But honestly, I don't know if that's even worth it as well.
	What you could do, do you have garages?
	Because I've done this before.
	Do you have garages in these houses?
	Yeah.
	You could charge them extra or you can charge them extra to use the garage or have other people use the garage.
	Especially if there's like a lot of space there to park.
	But it depends on what type of area that the houses are in.
	Are you saying like turn the garage into a room?
	No, no, no, no, no.
	You can charge them for parking.
	Extra $100, $200 a month.
	Yeah, you could charge for parking as well.
	That's something that I've done before to get a bit more cash flow out of the houses.
	Or, if you want, you can attach another structure to the property if you've got the space to do it.
	I've seen people...
	David Green, we talked about this with him before where he's done that with some of his houses.
	Like an ADU unit?
	Yeah, basically.
	If you have the space for it and if you want to do it.
	Especially out in California.
	Yeah, yeah.
	And now in California, I mean, it's damn expensive.
	And the zoning is probably a pain in the ass and shit.
	Yeah.
	Like I said, the houses that I have rented out, I'm even.
	I'm not losing anything.
	There's equity in there.
	They pay on time for the past, you know, two years now.
	You know what I would say, bro?
	He can't because he has that at market.
	Eat it for another year or two, dude.
	Build more equity in the homes.
	The good thing is, good for you, is that you're in California, which means it's going to keep going up in price.
	Like, we know that because California just gets more and more expensive.
	And you'll be able to raise the rents probably in the next year or two.
	It might suck, but you're not losing any money and you're gaining equity.
	So, God forbid something happens, you can always do a cash out refinance or pull equity out or whatever.
	It doesn't seem like you're hurting for the money right now, but...
	You've done rooms in the past.
	You know it's a pain in the ass, bro.
	So it might be best to just kind of eat it for another year or two and then raise the rents because the markets are going to go up.
	And you're going to build equity in the homes in the process.
	Okay.
	Yeah, because the only reason I haven't...
	But from this point forward, bro, this point forward, hear me out on this.
	From this point forward, you don't buy homes unless it cash flows.
	From this fucking point forward.
	Like, I'm not a fan of getting houses that you break even on.
	Like, at all.
	Like, and this is, and here's the thing.
	If you've been watching, I don't know how long you've been watching the podcast, but I literally have done episodes on this where if you're not getting at least a 10% cash on cash return, I tell you not to do the deal.
	Because you run into situations like this.
	I did think about that, but then again, I watched your episode with the bigger pocket guy, and he said that in this market, you don't really have much of a choice.
	Yes, you're not getting the rent.
	But like you said, you get other things like equity, tax, right?
	Yeah, yeah, bro.
	But again, you got to remember that he's a more savvy investor and he's advanced.
	So he can go ahead and have a couple of properties that are breaking even, right?
	He can have an Airbnb property that he's making money on seasonally because he has a base of his portfolio that makes him money consistently month to month.
	That's why I tell new investors, don't pick up your first few houses, need to cash flow.
	And it's fine because, you know, it's not like you're hard for the money.
	It's okay, you know, just a lesson learned.
	But from this point forward, bro, do not do any deals unless you're getting at least a 10% cash on cash return, okay?
	From this point forward.
	Okay, even with this...
	Okay, regardless of what the interest rates are, you think I should just...
	10% cash on cash, bro, because now you've got to offset these two deals that aren't making you money.
	Right.
	You know what I'm saying?
	Yeah, you're right.
	Yeah.
	And like I said, I was always thinking, like, okay, I'll just do a refinance, but then again, who knows how long that will take for the interest rates to go down.
	Yeah, bro.
	Honestly, I'll keep it a thousand with you.
	That house that you got that you picked up at 3%, the other one that you picked up at 5%, you're probably not going to touch those with a refinance.
	You'd be stupid to do it.
	I don't think rates are going to go down that low again for a while.
	Yeah.
	We're going to be sitting at the 6 to 9 range for the next multiple years, man.
	Oh, wow.
	Okay.
	Yeah.
	Okay, then.
	I mean, so unless if the previous tenants move out, then if I get some new people, maybe I can charge them a little bit.
	Yes.
	If you get new tenants, you can go ahead and try to charge them a little bit more, but But again, like I said, most tenants are not going to pay over market for rent unless you got luxurious stuff in the house, which we tell you guys all the time, don't make your house too luxurious.
	Like I said, you might have to eat it for a year or two and then raise the rents on them.
	Or if they decide to move out, but I doubt that they're going to move out because they pay you rent consistently.
	So they're going to probably stick around.
	Like good tenants typically don't go anywhere.
	That's why they're good tenants.
	The good thing is you're not losing money right now.
	Yeah, you're not losing money.
	That's the good part about this.
	Like I said, that's the reason I was able to invest in cryptos and stuff.
	Just from this point forward, bro.
	Matter of fact, next deal you find, call it to the fucking show.
	I'll analyze it with you.
	How about that?
	There you go.
	Oh, I think I actually DM'd you on Instagram about a one-on-one session and I was asking you questions about the Castle Club Premium and the difference.
	Oh, yeah, yeah, yeah.
	Yeah, I think I... Bro, join Castle Club Premium, actually, because we're going to have something special for them.
	So, yeah.
	And on Castle Club Premium, when we do our real estate episode, you guys bring me fucking deals and we'll go through the...
	You give me the address and we'll go through it and I'll show you guys the mortgage calculator, everything on there, if it's a good deal.
	So, yeah, I think...
	Alright, bro.
	Get in the premium, bro.
	Get in the premium.
	I already did.
	I did it.
	You're in there?
	Alright, perfect.
	Perfect.
	Good.
	Good.
	Next deal you find, we'll break it down if you want to do it on live on air here or we'll do it on premium.
	But we won't share the address on YouTube, obviously.
	On premium, we can share the address and I can really break it down.
	Alright?
	Okay.
	All right.
	Thank you, man.
	All right, bro.
	So, yeah.
	You know, that was a very good call.
	So, guys, look.
	And the reason why I kind of wanted to go through that is so you guys understand what real estate, bro.
	Your first couple of deals, guys, it's got a cash flow.
	All right?
	And I always tell you guys, first couple of deals, couple of rules.
	You pick it up yourself.
	Don't do it with anyone else.
	And then make sure it cash flows.
	Why?
	And then also make sure it's in the same state as you.
	Why?
	Because, number one, you get to learn how to deal with a property as a property manager.
	Number two, you see what it's like to deal with a house.
	You're going in it.
	You're walking in it.
	You're looking at it.
	You're figuring out how to inspect it.
	All this other shit, right?
	You're doing a deal and closing it, right?
	You're doing the walkthrough by yourself.
	All this stuff is very important for you to do as an investor in the beginning.
	And then second, make sure it cash flows.
	Why?
	Because if it cash flows, that's going to give you a little bit more motivation to keep going, right?
	To pick up other homes, right?
	And it's just like good for the mental.
	And then the last thing was...
	Also, with rooms and Airbnb, it comes at a cost.
	So just keep that in mind when you buy a property.
	If you're going to do Airbnb, people damage stuff, they party, they also break stuff in your property, and they may do claims against you on the property.
	So it's kind of like a hassle if you're not prepared to go through that struggle.
	But renting out rooms as well could be the same thing.
	Yeah, so cash flow guys, 10% cash on cash is what I recommend, right?
	Bare minimum, right?
	Somewhere between, you know, maybe if you're in a really hot market, like 8%.
	And then make sure you do the deal in your same state so that you can like, you know, be, oh yeah, and then be the property manager there.
	Yeah, that's cheat code.
	You become the property manager, not the owner.
	Yeah, and it's there and you can deal with it.
	Can you do me a favor, bro?
	I know you're the owner.
	Cut me slack on this month.
	Oh, yeah.
	Do a deal by yourself.
	Make sure it's 10% cash on cash and it's in the same state as you.
	So you can go ahead and deal with it and figure out all the rigmarole real estate, guys.
	Yo, I made that mistake at the beginning.
	I was like, yeah, I'm the owner.
	He was like, oh, you are?
	If you can, like, cool.
	He's like, listen, bro, next month I got this issue with my daughter, bro.
	I pay rent late.
	I'm like, nigga, no!
	Yeah.
	When he left, I became property manager real quick.
	All right, who's up next?
	Hell no.
	Guys, again, call to the show, 515-605-9740.
	We've got an important announcement for you guys on a Black Friday offer that we got for you guys.
	I think you guys are going to be pleasantly surprised with it.
	Pause.
	Don't read it.
	Don't read it.
	Dudes want me to do the show that we normally do on Sundays.
	That's from Shuda.
	Alright, bro.
	I was actually talking with Tommy about doing something more consistently for you guys, so stay tuned.
	Maybe on X we'll do more of those spaces.
	Since you guys love us so much.
	Alright.
	9879, you are up.
	9879, you are up.
	Go ahead.
	Alright.
	Niggas on a helicopter.
	Something.
	Go ahead, bro.
	Sprinkler.
	Yeah, dude.
	Yeah, what up?
	What the hell?
	Alright, move on to the next guy.
	We can move on.
	What was that, bro?
	5-0-5-6-0-5-9-7-4-0, guys.
	Call into the show and put your last four digits of your phone number in there and we will get you in.
	Alright.
	0799, you are up.
	0799, you are up.
	Hello?
	Yes, we got you.
	What's up, man?
	So, my question is, I just wanted some advice to see if you're in my shoes and what would you do in my financial situation.
	So, currently...
	I work for an MCA company, Immersion Cash Advanced.
	I'm a loan processor.
	I currently make $4K a month.
	I have about $10K saved up.
	I was wondering what you think I should do with that money.
	I really want to buy a car next year because Trump said he was going to do that thing with the car rates.
	But I don't want to make a dumb decision and just blow it all on that.
	Do you think I should save up I got my first tip here.
	Bro, don't even think about, you need six months of living expenses stashed away somewhere.
	That's number one.
	10k isn't it?
	So you need, I don't know what it costs you, a month to live.
	Let's say it costs you 3k a month to live.
	Then three times six, you're going to need $18,000 just sitting in an account somewhere.
	You could put it into crypto.
	You could put it where...
	I don't know about crypto.
	It's a little bit more volatile.
	But put it somewhere where it's going to...
	An index fund is safe.
	Something like that.
	Where you'll be able...
	And it's liquid.
	So you can get it anytime you need it.
	And have that.
	Just as kind of like your emergency fund of cash whenever you need something.
	You need that first.
	Then we can get into real estate and cars and everything.
	And that first can help you out with the...
	What do you want to talk about cars?
	Well, uh, first thing, bro, do you have a car right now?
	Um, I can't, I can't hear fresh.
	He asked if you have a car right now.
	I can only hear...
	You can't hear me?
	Oh, yes, I do.
	I have a Toyota Corolla.
	Toyota Corolla.
	How many miles?
	How many miles, bro?
	I don't think they can hear me.
	It's like 103. I can't hear fresh.
	I can only hear Myron.
	Yeah, it's fine.
	The chat can hear fresh.
	I don't know why you can't hear fresh.
	Okay, you said 17,000 miles on it?
	Toyota Corolla?
	No, 103,000.
	103,000.
	And you said, what year is it?
	2017 or something?
	Yeah, 2017. I mean, it's a Toyota, bro.
	Those things last forever.
	They last forever.
	Yeah.
	So, yeah, with the whole car market, bro, it is kind of a buyer's market, but I would just say the rate is a little bit higher than usual.
	So, again, a car now would definitely have to wait, because when Trump does that whole, like, car revamp thing...
	You know what?
	Fresh.
	Oh.
	Yeah, bro.
	I would just say with the whole car thing, you could definitely wait on it because with Trump doing the whole revamp for the actual car market, that would help a lot.
	But for now, bro, the interest rate is kind of high.
	And honestly, if your car's working fine, don't buy a new car, bro.
	Just tug it out.
	But when you do buy a car, you can buy cash or buy it with six months of remaining money to spend so you can pay your credit up and it paid off in full.
	And nothing too expensive, just like a Toyota or Honda again.
	But $10K is not enough money to invest anyway, so that's what I would say.
	Okay.
	I appreciate that.
	Cool.
	Alright, cool.
	Let's get to the next caller, man.
	Yeah, build up that six-month savings first, bro, and then you can talk about the other investment classes, but yeah, bro, whatever you do, man, guys, don't buy a fucking car right now, bro.
	Also, my Toyota had $170,000, $150,000 on it, so he's a lot more mileage, bro.
	Fresh said his Toyota had $150,000 to $170,000 on it before he got rid of it.
	It was a lot, bro.
	You still got a lot of life in that car, bro.
	You're good.
	All right.
	Okay.
	I appreciate it.
	All right, man.
	No worries.
	All right.
	Peace.
	Who's up next?
	Bye.
	505-605-9740 is the number to call into the show, guys.
	This person just now donated...
	In the genomics.
	He just donated right now?
	Yeah.
	Real My Lose Word?
	Um...
	2000. Okay.
	2000, you are up.
	What's up, bro?
	2000, you are up.
	Uh...
	It's Real Miles Ward.
	Okay, what's up, man?
	This one goes out to Myron.
	I was just on the Fit Men vs.
	Fit Women episode on Jubilee.
	So if you want to check it out, bro, I'd appreciate it.
	Wait, you were on it like you were a person that talked on it?
	Yeah, I was on the show.
	I've been on a lot of Jubilees, but that was the one that just came out today.
	I was on it.
	Oh, cool.
	Okay.
	Are you a YouTuber or some shit?
	Yeah, well, I started off at Zoo Culture.
	I have some clips of, like, Neon, Sarah Safari, Vitaly.
	And then I started making my own content, going on, like, dating shows and whatnot.
	And then, right now, I've just been trying to get on, like, Too Hot to Handle and stuff like that.
	I don't have, like, a huge following, but, like, I'm, like, around in the scene, if that makes sense.
	Actually, you know what, bro?
	Like, if you go on, like, my TikTok, you'll see a lot of stuff.
	Or my Instagram, rather.
	Yeah.
	So, actually, no, dude, hit me on Instagram because, what's it called?
	I'll probably do something with Jubilee again.
	So, hit me on IG. It's MyronGainesX.
	I don't know what your IG is, but, or Hitmo.
	Yeah, it's RealMilesWord.
	It's Real and then Miles with a Y and the last name Ward.
	Alright, just shoot me a DM real quick on Instagram.
	And you said you got some people over at Jubilee that you work with all the time?
	Yeah, I mean, I didn't add on the episode, too, but yeah, I've been on, like, six or seven.
	I've been on a lot.
	I'm not gonna lie, though.
	Your episode is very different from mine, because, like, I had some, like, you know, I would say more base takes, but I don't go as far as you do just for, like, you know, because, you know, I'm still trying to brand myself.
	I was on a Kaisenat stream.
	I was part of his Mafia-thon, and I live in L.A., but yeah, I'll hit you up.
	If you ever come back to do more streams of Vitality, I know you work out sometimes as U-Culture, so we can work out together or we can talk about content if you're down.
	Yeah, man.
	Yeah.
	You can shoot me a DM. We'll figure something out.
	Okay.
	Is your Instagram back up?
	Nah, it's a new one.
	It's Mario Gaines X. They fucking banned the old one.
	It's fucking annoying.
	But, you know, you know how it goes.
	No, I got you, bro.
	I'll send it to you.
	And, yeah, I'll talk to you later.
	All right, man.
	Later.
	All right, what do we got here?
	you Thank you.
	Who's up next?
	Up next we have 67...
	You was going to say something?
	No, I was just going to say the number again.
	505-605-9740 is the number to call into the show for those that are listening in audio-wise.
	Okay.
	6774, you're up.
	6774, you're up.
	Yo, can you hear me?
	I'm modern and fresh.
	Yeah, we can hear you, bro.
	Oh, perfect, perfect.
	Okay, I came to the United States this year in April.
	Just to summarize my story, right now I'm in Maryland.
	So, I got into a small accident, like I fell off a roof, and then I was taking to an emergency thing in the hospital.
	And then I ended up, obviously I did not have money because I recently moved here and Still don't have a job stability and then I ended up like having $2,000 in debt and then they offered me something called a financial assistance and I took it.
	So I was wondering and then they took away all the bills.
	So I just wondering, will that thing end up affecting me in the future or it's gone?
	Well, two things.
	Whenever you get an accident like that, I need to be put in an ambulance.
	I didn't notice either, but they do charge you for the ambulance.
	I was in a motorcycle accident, bro, and I didn't understand this.
	What?
	I was not taken by an ambulance.
	It was just for a car.
	And then it was taken by my cousin.
	Okay, so you...
	They took me to the hospital, but...
	Yeah.
	Either way, you can have medical bills, bro.
	No matter what it is.
	So, at any day, bro, it goes into collection if you don't pay it.
	You said you took a financial help, you said?
	- Yeah.
	- Okay.
	- Financial system thing, program, and then they told me they were gonna take away off the bill 100%.
	So I'm just wondering, was it just like that they took away the bill, or they gonna end up affecting my future somehow?
	- Well, for sure it's not free, bro.
	And also, what are the terms for this actual assistance?
	Do you have to pay them back?
	Definitely, yeah.
	It'll be interest over time.
	What's the terms for it?
	No, nothing.
	They told me, like, nothing.
	Like, we're going to take away all your bills, 100%.
	And I was, like, obviously skeptical, and I'm not sure.
	But in the situation I'm in, I had to, because I don't want to be in debt, and I just came here.
	So, yeah.
	Well, I've never heard of that before, bro.
	I don't know what that is, but I would call and verify.
	I never heard about it.
	Because, bro, I don't...
	Because typically with medical bills, bro, they don't just pay that shit off for you.
	Like, nigga, that sounds weird as hell.
	So...
	Okay, gotcha, gotcha.
	Okay.
	So, if I were you, bro, what I would do, I'd call a company and say, listen, I want to verify about this payoff.
	Is it done?
	Do I have to pay anything back?
	Verify with them my current terms.
	If not, then, you know...
	Hey, bro, what country are you from?
	I'm from Africa, Kenya.
	How did you come to America?
	Do you guys know it?
	It's Africa.
	No, we know where Kenya is, but how did you come here?
	We heard about it.
	Yeah.
	Yeah, green card.
	So you have a green card in America?
	Yeah.
	My father.
	Nigga, don't lie, bro.
	You got a green card?
	This nigga cap, man.
	This nigga here illegally, bro.
	You're laughing.
	You're funny, bro.
	I'm 19, so...
	What'd you say?
	What'd you say?
	Okay.
	If you're 19, how'd you get a green card, bro?
	Yeah, it's basically a lottery card, so...
	I can't, like, teach anyone about it, so...
	It's definitely God and...
	And my dad worked like this for us, so yeah, for sure.
	It's not like...
	So your whole family's here.
	I don't know how to get it.
	So your whole family's here.
	I'm just the four of us.
	It's the four of us?
	Where you live, bro?
	Alright, nigga.
	Bro, get a job then!
	Where you live, bro?
	If you got a green card, get a job, nigga!
	Where you live, bro?
	Yeah, yes, yes, yes.
	Yes, I do.
	Hold up, hold up, hold up, hold up.
	I did get a job, but some comedy drama that made me lose a job, but next week I'm starting another job, so.
	Nigga, if you got a green card, and you're lawfully here, and you can actually work, because you got a green card, which means you're a lawful permanent resident, get a fucking job, nigga!
	Yeah.
	Come on, man!
	I did.
	I did.
	Alright, we'll keep a job.
	I was in Texas.
	Can you keep a job?
	Come on, man.
	Oh, that's so good.
	Come on, man.
	Can you keep a job?
	Can you keep a job, bro?
	Come on, Dikembe.
	Fuck off, man.
	I'll show you the way.
	These niggas.
	Keep the job.
	These niggas.
	Long term.
	Come on, niggas.
	I'm sorry?
	No, I said these niggas.
	These niggas.
	Can you keep a job?
	I was listening to you guys when I was in Kenya.
	I was looking to get those in Kenya, so you guys are impacting us from Kenya, so yeah, for sure.
	Alright.
	Motherfucker!
	Bro, I appreciate that motherfucker, but bro, you gotta keep a job, nigga.
	Like, you gotta get a job, keep a job.
	Alright, Kenya, keep the job.
	Yeah, but as far as I know, bro, there's no program that gives you that 100% medical bills taken care of.
	Yeah, bro.
	Yeah, that's a sign off there, bro.
	Doesn't sound right, bro.
	Some niggas from Nigeria are trying to scam you.
	You're trying to scam us, nigga?
	You guys are funny.
	Nah, all jokes aside, bro, you're here legally, bro.
	So, you might not even qualify for that shit, to be honest with you.
	A lot of that shit is for illegal aliens, nigga.
	You're here legally.
	You gotta go get a job like the rest of us.
	Alright?
	Hey, boy.
	Hey, I'll tell you this, bro.
	Trump is in office, so better watch you back.
	Well, if you got a green card, he's straight.
	Yeah, yeah.
	I don't mind that.
	Alright.
	Alright, bro.
	Thanks for coming to the show, but yeah, they're going to get a job.
	Keep it, alright?
	And call to verify those terms for that financial aid, because it's all kind of fishy.
	Yeah, bro.
	That shit don't sound right, man.
	At all, bro.
	It does not?
	Okay.
	I just had to because I cannot pay it off.
	Nigga, you can pay it off, bro.
	Nigga, get a job.
	Yes, you can pay it off.
	2K is crazy for me.
	Bro, yes, you can.
	2K is crazy?
	Nigga, you sound crazy.
	2K is not crazy.
	Nigga, get a job and pay that shit off.
	You can do it, man.
	And bro, you have no debt other than that, bro.
	Yeah, bro.
	Because let me tell you what's going to happen if you don't pay it off.
	That bill's going to follow you around and it's going to fuck your credit up, Dikembe.
	Yeah, I was paying it off earlier, but I lost a job because of the injury.
	There's a lot of drama with that job and the family stuff going around.
	Come on, man.
	You're making us Africans look bad, nigga.
	Come on, man.
	All I hear is excuses.
	Bro, all I hear is excuses, bro.
	That's your cousin, bro.
	Nah, he ain't my cousin, man.
	Nah, I'm not giving excuses, bro.
	Alright, bro.
	Alright, get a job, nigga.
	Yeah, but yeah, for sure.
	No excuses, bro.
	We'll show you the way.
	The way is to a job.
	And to keep the job.
	Alright, who's up next?
	Yeah.
	He sounds like an old man, bro.
	He's 19. That's crazy.
	But yeah, medical bills aren't bad, but if they go to collections, they will affect you.
	Yeah, it'll fuck you up, bro.
	Yeah, it will affect you.
	It'll fuck you up.
	And I've seen people where they do a credit check and they wonder why, oh shit, my credit score is 500, and they don't realize they had an ambulance three years ago when they were in college or some shit, and they didn't pay.
	After my accident, I got called two months later like, hey, this collection is like, collections?
	Because I didn't pay.
	I didn't know about it until after the fact.
	And they're quick to send that shit off.
	Hospitals ought to sit there chasing you after that shit, bro.
	They sell that debt off immediately.
	They don't play, bro.
	Don't put it.
	So, yeah, bro.
	You think over here you just, you know, drank and had a little bit of fun at a fucking keg party.
	Next thing you know, five years later, you thought college left you behind, but that bill didn't leave you behind.
	Definitely not.
	When they rushed your dumb ass to pump that alcohol out of you.
	Who's up next?
	He's in the chest that he sounds lazy as fuck.
	Nigga probably just sitting there like, I don't want to work.
	And he's just like talking to us on the fucking phone, like on the fucking headset and shit.
	Nigga just lying back like this.
	Fucked up toes and shit.
	Just feet hanging on the fucking thing.
	Nigga in a hammock.
	I don't know why.
	It reminds me of like Jean-Pierre.
	It sounds like a Jean-Pierre like, I don't work, man.
	I make money in my sleep.
	Sorry, Jean-Pierre.
	Okay, let's call her, man.
	That accent sucked.
	Yeah, it was terrible.
	That's why I'm not Haitian.
	That was a horrible accent.
	4-3-2-6, you're up.
	Sorry, I thought my mic was muted.
	4-3-2-6, you're up.
	4-3-2-6, you are up.
	How's it going?
	Can you guys hear me?
	Yeah, what's up, bro?
	How you doing, man?
	Hey, I don't have a question for Money.
	I actually have a question for Myron.
	I've been hearing you, and I'm pretty sure you guys are familiar with Andrew Wilson.
	Yeah.
	How can we collectively revoke the 19th Amendment?
	My friend, that is going to be very difficult to do and damn near impossible.
	Look, look, look, me and Andrew Wilson have had very long conversations about this.
	Like, honestly, every time he comes to Miami, me and him end up talking about this shit we're getting sushi, about revoking the 19th Amendment.
	But like, bruh, it's just not gonna happen.
	You know, our boy Gary, our manager, actually did come up with a good idea.
	What he said was, his proposal was, we offer to pay their debt off with taxpayer dollars, but then they forever forfeit their ability to vote.
	Which, it might be expensive up front, which it might be, right?
	But then they would never vote again.
	And not only that, they wouldn't have the power to send men to war.
	Because by default, if a woman has the right to vote, then she has the power to send men to war.
	Yeah.
	Right.
	That doesn't mean anything because even if you draft them, you can't put them in the front lines because we all know what would happen if you put women in the front lines against the enemy of the United States.
	Yeah, they shouldn't be in combat, bro.
	We gotta protect women.
	We can't be putting them in fucking combat.
	And then the thing, you look at Trump's neocon fucking cabinet that he's bringing in, right?
	Yeah, you got a bunch of Warhawks.
	You know, you got Hexeth, who's a fucking, you know, hardcore shill.
	I won't say too much more because we're on YouTube.
	But yeah, it's just not...
	Warhawk, bro.
	A bunch of neocon Warhawks that we got in the cabinet.
	Marco Rubio, all these guys.
	But...
	But yeah, that's one way to do it.
	You know, that's one thing that Gary came up with, which I thought was actually a very good idea, is, hey, we forgive your debt, but you forfeit the right to vote forever, which would be actually kind of like a great way to do it.
	But yeah, man, repealing the 19th Amendment would be very fucking difficult.
	But anyway, no, thanks for calling the show, bro.
	All right, thank you, man.
	Have a good one.
	All right, bro.
	We had a left field, but okay.
	I will tell you this, though.
	If we had to rely on the female vote, they would have put Kamala Harris in.
	Thank God.
	Kamala Harris would have won the election.
	We had to rely on the female vote, guys.
	Yeah.
	That is true.
	Yep.
	Who's up next?
	9051, you're up.
	Someone did an electoral college map in the U.S. with only the female vote.
	Hello?
	Yeah, what's up, bro?
	I had some questions about relationships and money at the same time.
	Focus on the money stuff, bro, because this is Money Monday.
	We'll do a dating show on Wednesday or tomorrow, so you can ask your questions for that maybe tomorrow.
	And your mic really sucks, bro.
	Sounds like you're muffled or some shit.
	It does.
	Can you hear me better now?
	A little bit.
	Hit us with your first money question.
	Go ahead.
	Try to make it quick because we've got a lot of people on the line.
	I'm a server.
	I'm a server.
	I make $4K a month.
	And I'm about to go into school for aviation maintenance.
	Honestly, I just wanted to make more money, but I don't know what to put my money in.
	I don't really know how everything works.
	Wait.
	Okay.
	How old are you?
	20. Okay.
	You said your server, you're making $4K a month.
	Where do you live?
	D.C. area.
	Okay.
	And you're 20 years old.
	Are you in college or you said you're in school for aviation mechanic?
	No.
	Yeah, I'm about to go into school for aviation mechanic.
	How long is that trade school?
	I'm not in school.
	Two years.
	How much you got?
	You're going to be making...
	Aviation mechanic, you're going to be making $100,000 plus a year.
	I remember I had a tenant that did that shit.
	Yeah, yeah, yeah.
	I know.
	It's pretty good money.
	Bro, I mean...
	The average age is 50. Okay.
	Do you live with your parents?
	Yeah, as right now, yeah.
	Bro, pocket that money, work as many hours as you can, save up as much as you can, and just focus on getting through aviation school.
	How much is it going to cost you?
	Do you have financial aid to pay for it?
	Yeah, my parents are actually helping me pay for it, and they said after, once I actually get the job, I could slowly pay them back.
	Oh, so you're good, bro.
	Alright, nigga.
	Yeah, bro.
	You're good.
	Yo, you're on a good path, bro.
	Save up the money that you have, right?
	Make as much money as you can.
	Work, you know, work overtime, etc.
	You're making what?
	You said you make 4k a month?
	You're 4 times 12. Yeah, bro.
	You're making like 40, 50k a year?
	You start making like 70, 80k off the bat.
	Yeah, with aviation mechanics make quite a bit of money.
	So, yeah bro, just stay at home, live with your parents, save all the money, don't do no dumb shit, don't do drugs, don't drink.
	Like, you're just, basically bro, you got the world ahead of you, just don't fuck up.
	Don't buy a car.
	Yeah, don't buy a car, don't pick up no fucking stupid ass habits, don't gamble, don't do any of that shit.
	And, yeah bro, you're okay for now.
	I would say just pick up more hours so that you can make more money.
	You can easily get yourself to like 6-7k a month if you work some more hours probably.
	Ask your job for more, um...
	For more hours.
	No, I'm already working like double shifts and everything right now.
	You're working 12 hours a day?
	I'm working like, so my shift from like 11 to 3, then I got a break from 3 to 4, then I got the dinner from 4 to like 10. Okay, so you're going from 11 a.m.
	to 10 p.m.?
	Pretty much, yeah.
	Okay, so you're working like 10 hours a day roughly.
	11 hours.
	Okay.
	And you're making 4K a month doing that?
	Every single day?
	No, we are working every single day.
	Five, six days a week.
	How many days a week?
	Five to six.
	Damn.
	You're getting mostly tips, right?
	Sounds like slave work.
	Yeah, all tips, yeah.
	Do you think I should be making more?
	I mean, you're probably out there in the middle of nowhere out there.
	Where are you at?
	You're probably in West Virginia or Maryland or one of these sticks areas.
	I work in Georgetown.
	How much do you get paid per hour, bro?
	Probably nothing in your server.
	I get paid nothing.
	I just get tips.
	That's why.
	Yeah, servers don't get anything.
	Yeah, bro, just grind it out, man.
	You live with your parents, so it doesn't matter.
	Just save all the money that you make and then prepare for aviation school.
	That's what I would say.
	Okay.
	I guess, yeah, tomorrow I'll just call back in for the relationship question.
	And I just wanted to tell you something, Myron.
	So, next time they tell you you're not black, Sudan is actually the land of the blacks.
	I say that all the time.
	People are stupid, bro.
	Yeah.
	They don't know.
	Okay, bro.
	Dicks are dumb, bro.
	But, hey, it is what it is.
	Hey, congratulations on doing the aviation school, bro.
	Stick with that.
	That's going to be a really good paying job.
	That's a high-income skill, my friend, that will take you very far.
	Okay, okay.
	Thank you so much, man.
	I'll call back tomorrow.
	Alright, bro.
	Alright, peace.
	Yeah, tomorrow, not Wednesday.
	Yeah, I think we're going to do it, yeah.
	Okay, and with that said, guys, quick little announcement for you ninjas.
	So, for all you guys, right, that have stuck with us, we got something special for you guys, right?
	And we got a Black Friday sale going, so this is the way it's going to go.
	If you guys are a member, or excuse me, well, a free member of Castle Club, right?
	And you might not necessarily be paying the monthly fee or whatever, you have a chance to get Castle Club for a year and DMs on demand, which we sell for typically $6.97, for $6.20.
	So again, guys, literally, big-ass deal.
	$6.20, you get Castle Club and DMs on demand together for a year.
	Castle Club access, DMs on demand, together, if you act right now.
	And the special's gonna run for this week.
	Now, if you're a Castle Club member, and you've been rocking with us, guys, all you gotta do is upgrade to premium, 65 bucks, and you get access to Castle Club just with it, for free.
	Boom.
	So you get access to Zoom calls, where we do one-on-one coaching with y'all, and more direct subjects where we cover, like I did a fitness one last week, Fresh did a networking one.
	We're going to do one on real estate.
	Stocks.
	Stocks.
	We do it on crypto with Charlie and Miguel.
	We're bringing experts and we really go in on one thing and you guys are able to kind of get in the real stuff.
	So you can get in premium for $65 if you're a Cast Club member and you get DMs on demand.
	So that is for you guys that have been with us, that rock with us, you guys supported us when everyone tried to cancel us, etc.
	So like, you know what?
	We're going to basically give you all DMs on demand, DM there for free.
	Just join Castle Club Premium.
	And if you remember before in Premium, you got it right now for you.
	Yes.
	It's done.
	And if you're in Premium, you get it for absolutely fucking free.
	Right now.
	If you're in Premium right now, you're going to get it.
	We're going to upload it in there for you guys.
	For the diehard supporters that rock with us on Castle Club Premium, y'all get it completely for fucking free.
	So once again, here's the offer.
	If you're not in Castle Club, you're just on an email list, whatever it may be, all you have to do is, at 620, you get into Castle Club for a year, and you get DMs on demand together.
	If you're a Castle Club member, upgrade to premium, $65, get DMs on demand for free in there.
	And you get all the other crap that comes in with premium on top of that.
	So you basically get DMs on demand for free.
	Then, if you're on premium already...
	Get absolutely free.
	Thank you guys for supporting us.
	Thanks.
	Also as well, guys, you're going to get Zoom calls coming up to ask your questions once you go through the course live with us in person.
	So we're going to do Zoom calls once you do the course.
	Two weeks after, we'll do Zoom calls for questions, live Q&A, with the course for anything you guys want to know with Instagram, a network of high-value people, and so on and so on.
	So the link is in the description, guys, to get in, depending on where you are.
	Like I said before...
	If you are, and it's for everything, so if you're not at Castle Club paying, $620, you get Castle Club for a year, and you get DMs on demand completely free, together, right?
	Bundled up.
	And we normally sell DMs on demand for $700, right?
	We normally don't release it.
	We release it maybe once a year, twice a year, if that.
	And close it.
	Right?
	And then close it.
	If you're in Castle Club, $65, get into premium, get it for $65.
	Basically for free with all the other perks of premium.
	And if you're already in premium, absolutely free.
	Love you guys.
	Thank you guys so much for supporting us.
	And that's only going to be for the guys that are in premium now.
	Yep.
	So if you're not a premium now, you're not going to get it.
	You have to upgrade to the premium and then you get it.
	And once this week is over, it's over.
	Yeah.
	No more course in premium.
	This is only for this week.
	Yeah, it's only for this week.
	So you guys will be grandfathered in and then we're going to take the course out of premium after that.
	But if you get it now, for this week, Black Friday sale, we're going to be running all week for you ninjas, right?
	So if you're broke and you need to get some money, scrounge up some change, it's fine.
	You've got a couple of days.
	Right?
	But you could go ahead and get in.
	So guys, this is probably the cheapest, best way to get, not only into Castle Club, but Castle Club Premium.
	We also get DMs on demand, all one package.
	Make it nice and simple for you guys.
	And for the guys that have supported us that are in Castle Club or in Premium, y'all get it for damn near free.
	Yeah.
	And you guys have asked us for this course forever.
	We're going to finally give it to you for Premium and as well for free members if they join Premium.
	So, we got you guys.
	So, yeah.
	Links are below, guys.
	The first thing, Mo, you want to kind of explain to them how the linking works on there?
	Real fast?
	Yeah.
	Everything's down below.
	Yeah, in the description.
	At the top, our first link is you can join the Cast Club community at the annual price and get DMs on demand included with that annual price.
	And then our second link we got there, if you're already a member of Castle Club and you joined Castle Club Premium, you get DMs on demand.
	But that's just for this week.
	After that, the DMs on demand course is going to be taken out for anyone who purchased it.
	So you got to get in now if you're Castle Club member.
	Yep.
	And we'll play the video as well for the actual course.
	And then if you're a premium already, if you're in Castle Club Premium, get it for free.
	It'll be uploaded probably, what, later tonight for them?
	It's already in there.
	Oh, it's already in there for you niggas.
	Alright, cool.
	There you go.
	So it's already in there for you guys that are in premium.
	And we go through each module, guys, in the course, and as well, we have Zoom calls.
	Oh, another big thing.
	In two weeks, we're going to do a DMs on Demand specific Zoom call for you guys in two weeks.
	So it's going to give you guys some time to go through the course, figure it out, etc., Then we're going to go ahead and do the Zoom call with you guys.
	But we want to give you guys this for next to nothing, bro.
	So if you're premium, free.
	If you're in Castle Club, $65.
	And if you're not in Castle Club at all, then you can get into Castle Club for the year and get the course together bundled.
	Because you're going to learn how to actually talk to girls and get girls from Instagram and in person.
	And as well, guys, you're going to learn how to network people of higher value.
	Listen, the biggest thing with networking is getting higher value people to actually respect you or work with you on a different level, and at the same time, get access to places you never got before.
	That's the big thing with networking, man.
	Added value, give value, you get it back as well.
	Let's play the video real quick as well, Bill, if you don't mind.
	This is in the course as well, one of the bonus sections.
	Do's and don'ts of Instagram.
	In other words, guys, don't send dick pics.
	You know what I'm saying?
	Or, like, sexualize off-rip.
	Like, that's weird.
	Yeah, don't sexualize me.
	Don't say you want to smash on the first date.
	Yeah.
	Bro, common sense.
	Yeah.
	All right, number two.
	How do you feel when guys approach you in public?
	It depends on how you approach me.
	Because one thing about it is, like, don't touch me.
	Because some guys are very touchy, and I don't like that.
	I mean, I'm speaking on other women.
	I'm pretty sure I don't like being touched.
	Or, like, catcalling.
	I hate that shit.
	And let me break that down real quick for you guys.
	A lot of you guys that catcall, you catcall because you're scared to get rejected correctly.
	Because if you make a real approach and you put your nuts on the table and you tell her, hey, I thought you were attractive.
	I wanted to meet you real quick, whatever it may be.
	She actually has the opportunity to truly reject you.
	Whereas when you catcall, you have that ability to kind of absolve yourself of responsibility.
	Like, oh, I'm just catcalling.
	I'm not really trying to hit on her like that.
	But a lot of guys do that because they're scared of making a real masculine approach.
	But we always...
	But yeah, there's a lot of value in there, guys, for Instagram itself and dating.
	Could you guys get into that?
	Again, premium with the actual course as well.
	Premium is for free.
	And then, for example, if you're not in the premium or not Castle Club, you can join and get the course as well with a bundle for the year.
	So type into that, guys.
	Link is down below.
	And we got another video as well for the Zoom call, right?
	I think there's one more.
	We do also, guys, as well, networking in there as well, and as well, business stuff for you guys.
	It should be the one with the actual document, just showing it real quick.
	How to build relationships, and also as well, how to actually get into confidence, to build it up, to do more for yourself as a guy that you need to be.
	Alright, cool.
	No, it's fine.
	Alright, what's the next caller?
	See, so guys, again, after Friday, this is gone.
	The course is going to be outside of premium.
	It's going to be gone.
	So get it now while you still can.
	Guys, you know, we open it for a little bit and then close it because we want to keep it more private.
	But again, it's open right now until Friday, and then it's gone completely out of premium.
	All right.
	What's next caller?
	All right.
	Let's see if 9879 is back.
	9879. All right.
	Are you...
	Hello?
	Yeah, we got you, bro.
	Hey.
	Hey, I'm driving right now, but yeah, so one second.
	Let me get it together.
	Yes, I have a question for mine or fresh, either.
	So I'm transitioning over to W-2, right, my job?
	So right now, I'm working a 1099 job right now.
	How much should I, like, save away for tax?
	Like, how much percent?
	Like, percentage of my income?
	To be safe, 40%, they say.
	Just to be safe, yeah.
	Roughly 30 to 40%.
	What's your income bracket?
	Like, roughly.
	Do you know?
	Alright, so...
	Last month, I usually flirt around like $6,000 to $8,000.
	But then this month alone, since I started drinking, I've hit about a lot.
	I think I'm going to break like $12,000 this month.
	Are you drinking right now?
	You still drunk right now, bro.
	You still drunk right now?
	No, no, no.
	I'm driving.
	I'm tired as heck.
	I'm doing like 15-hour shit right now.
	Are you a truck driver?
	Are you a truck driver?
	No, no, no.
	I do delivery and I also work for AT&T. Wait, did you say you started making more money when you started drinking?
	I stopped drinking.
	Oh, you stopped drinking.
	Okay, okay.
	Yeah, I'll tell you this, bro.
	You sound like you're drunk right now.
	I've been up since like 4 in the morning.
	I'm still working right now.
	So, roughly, you're making 80k a year, basically.
	Or 80k plus.
	So, yeah.
	I would say 30%.
	It's fine.
	Yeah, and obviously, you can bring your taxes down by having assets, right?
	Especially, like, real estate and shit like that.
	But, you know, as a truck driver, you know, you might...
	Yeah.
	I'll tell you this, bro.
	Drinking itself is bad for you, bro.
	So, that's a good move.
	Right, right.
	Nah, because...
	I remember the episode that I watched.
	I think you...
	Maybe that dude was drunk.
	While he was like, I guess, talking on the live or whatever, Zoom call?
	Oh yeah, on the Zoom call, yeah, yeah.
	Yeah, that, because I started drinking for like two weeks already, right?
	And I was grinding hard.
	And then when that happened, it kind of like, bring back, I was like, wow, this dude's really doing what I was doing.
	And then I was like, damn.
	You don't want to be that.
	Yeah, you don't want to be that.
	Yeah, that really hit home right there.
	Yeah, it was tough love, but he needed it, bro, because he was down and out, drunk, kept being drunk every single day.
	Alcohol is the fucking devil, bro.
	Yeah.
	It's truly the devil, man.
	Did he ever...
	I definitely see that, because right now, I'm tired, but I'm out here making money, and I'm focused.
	Yeah, it's crazy how much money you can make when you don't drink.
	Yeah, bro.
	Alright, well, keep cooking, man, and obviously stay away from the booze and keep making money, but I'd say to be safe, bro, 30-40%, but talk with your accountant, man.
	Maybe you could write off some shit that you buy for your truck.
	Yeah.
	Right, because a lot of people say 30%, so I'm like, okay, let me just confirm it, because 30%, but you say to be safe, 40%, right?
	Yeah, 30-40%, are you going to get taxed that much?
	No, but I would say talk with your accountant and see what you can write off as well, bro.
	Right?
	Okay, sounds good.
	Appreciate it.
	And obviously start an LLC if you can, if you don't already, like, you know what I mean?
	Oh, okay, so how did that work?
	Like, so if I had $210.99, right, could I just start an LLC? Yeah, technically, because you're kind of an independent contractor.
	You should have been at one, bro.
	Yeah, because you're an independent contractor.
	Yeah, I'm not too sure about that, because I asked my boss, too, right, because he...
	I worked for him.
	I'm an independent contractor with him.
	I asked him about it, and he didn't really give me a confirmed confirmation about it.
	When I asked him about the LLC last year, I'd be doing it or not.
	Well, it's more personal.
	From what you're telling me here, bro, it looks like you could probably, because it doesn't seem like you're employed with them full-time gain benefits, so you're basically a contractor because you're getting a 1099. So you could probably do an LLC, open it up, turn it into an escort.
	We talked about this with Steve, but I would talk with an accountant, bro, 100%, just to make sure that you're good.
	Bro, question.
	Are you black?
	But this is a possibility.
	Are you black, bro?
	No, I'm not black.
	I'm Asian.
	Oh, you're Asian.
	I think you should be super smart, bro.
	What the hell?
	Come on, man.
	Well, hold on.
	We have episodes on this, actually, on Money Mondays with Steve from Accounting.
	So just to go to those episodes, bro.
	Also, we have a truck driver one, too.
	We have a truck driver one, too, with one of our guys, the Jamaican man.
	Bahamian.
	Big things are going on.
	No, he's Jamaican.
	Bahamian.
	Oh, he's Bahamian?
	Oh, shit.
	He's got a Jamaican...
	Name, okay.
	But yeah, I do think more than likely, bro, since you're a 1099, you could probably open up an LLC and technically you're kind of self-employed because you're getting 1099s.
	So you can probably go ahead and start writing off some of the shit that you do for the truck, bro.
	Gas, food, travel.
	But again, talk with an accountant.
	We're just putting you onto this idea that you could probably start to deduct some of this stuff and be able to save on taxes.
	But I would say talk with an accountant.
	You got the money, hire one for an hour and talk to him.
	Or consult with Steve, bro.
	Disclaimer, this is not financial advice.
	Not financial advice, but yeah.
	If I do open like an LLC, right, how would I, you know, like let's say like a restaurant, they'll have the LLC as a restaurant.
	Okay, you open up the LLC, you open up the LLC, and then you got to shift it over to an S-Corp.
	Bro, you know what?
	This may be too much.
	Have someone do it for you.
	Yeah.
	It's simple to do yourself, but just to be safe, that's the one who tries to do it for you.
	But the thing is that we're pushing you to this line of you're probably going to have to open up an LLC and then it's going to have to shift to an S-Corp at some point.
	But at least we're putting this in your head because this could probably save me money on taxes.
	Because I'm almost certain you as a 1099, you can more than likely probably open an LLC since you're technically an entrepreneur kind of and you're contracting your work out to different people.
	Yeah.
	Fair?
	Right, yeah, that's fair.
	You know what to do, my friend.
	Get a hold of an accountant and make it happen, alright?
	Wait, so, caller, real quick.
	Just real quick.
	You were delivering packages drunk?
	No, no, no, no, no, no.
	No, I'm talking about, like, you know, like, dude was, like, basically, like, he worked, right?
	What he was saying?
	Like, at the end of the day, you know, I work, and I come on, I always, like, go get my booze and shit.
	Gotcha.
	After work.
	Cool.
	Okay, just clarifying.
	Alright, brother.
	Appreciate it, man.
	Alright, bro.
	Stay away from the booze, man.
	Fuck that shit.
	It's the devil.
	Right?
	Yeah, bro.
	Yes, sir.
	Alright, man.
	Yo, what agent says yes sir?
	This thing's like a black Asian bro.
	Black Filipino or some shit.
	Is he Atlanta or something?
	Yeah, I don't know.
	The Atlanta Asian.
	Atlanta Asian bro.
	Oh man.
	Alright, who's up next?
	A lot of Southeast Asians talk like that.
	Okay.
	Yes sir!
	7090, you're up.
	7090. That nigga Filipino or Vietnamese or some shit.
	He a nigga Asian.
	He's a sneaker.
	Louse.
	He's a sneaker.
	Yeah, he's a sneaker.
	Nigga, a sneaker.
	All right.
	9-0.
	I mean, sorry.
	7-0-9-0.
	You're up.
	All right.
	7-0-9-0.
	All right.
	Carla, what's up?
	Hello?
	Yo.
	Welcome to the Money Monday show.
	What's your question?
	Hey, so currently...
	So just to get straight to the point, currently in my situation right now...
	I have a question about financing my truck.
	So right now I'm financing my truck through the dealer.
	And I'm trying to see if I can get a trade-in for something smaller.
	Alright, what kind of truck is it?
	This is 100% a fresh question, but let's go ahead and go through some of the numbers.
	What kind of truck is it?
	What year?
	It's a 2021 Toyota Tacoma.
	How many miles?
	Very good truck.
	40,000.
	Is that a 6,000 pound car?
	I believe it is, actually.
	Okay.
	You have a business?
	I'm not sure.
	Look it up real quick, because I'm almost certain.
	Me and my dad got one for the real estate business.
	I have the pink slip right here.
	I could check.
	It's 4,750 pounds.
	Okay, it's one of these other ones, and that was a 6,000.
	Okay.
	All right, Toyota Tacoma.
	You said what year?
	2021?
	2021 Toyota Tacoma.
	How much did you buy it for?
	Uh, fuck.
	Um, maybe around $40,000.
	I could see the payoff amount right now is $34,000.
	But I've been financing it for the past two years.
	Okay.
	So he probably bought it for around $40,000, $45,000.
	I don't know.
	How much did he put down when you walked out?
	None.
	It was my first car.
	I got it with my dad signing off on it.
	So, uh, if you sold it to a dealership now, how much would they give you for it?
	The payoff amount would be $34,471.75.
	I don't know, but how much would they give you for that car right now, for the truck?
	I mean, I wouldn't.
	I don't know.
	I never told them how much they would give.
	What's your goal here, to get another truck or to get rid of this one and then wait a little bit?
	You would say to pay off this truck?
	No, I'm asking you.
	What's your goal here?
	Do you want to get another truck, or do you want to pay this off and wait a little bit?
	What's your goal here?
	Oh, no.
	I'm trying to get something smaller, more, like, less payments, you know, monthly.
	What's your monthly payment right now?
	How much do you pay?
	My regular payment right now, which I chose it, was $850, but it could be $740 to, like, you know, meet that bare minimum payment monthly, but I put it to $850.
	My question is, like, the truck itself, do you use it for work?
	No, I love the truck.
	The truck does everything for me.
	It goes to work, you know, anything.
	I'm an electrician, so I travel far, and, you know, it takes me everywhere.
	I love it, but, you know, I'm trying to be a minimalist and, you know, try to spend as much cash as possible.
	All right, so cool.
	So here's what you do, right, bro?
	You go to the dealership that you bought the car from.
	So listen...
	I want to get a car in a lot and trade it in.
	And they're going to tell you, alright, we'll give you, let's say, 32K for this car, pay a 2K difference, and you can get into this car.
	Or they may say, hey, we'll give you like 35K, you can take 1K and walk away and get into that new car.
	Regardless of the fact is, you need to verify how much money you'll get for the car up front.
	Once you verify that, you can trade into a new car at any time.
	But again, you need to know the value of the car they're going to give you up front for the car.
	So once they tell you how much the payoff is, and then, well, you know that it's $34K, they'll tell you how much they'll pay you for the car, and then whatever that is, the difference, you've got to pay off, or the surplus, you get to keep for yourself.
	But once that's done, you can go get a new car under that dealership or under a new one.
	But you need to figure out how much they'll give you.
	Do you suggest that he gets a car that's significantly worth, significantly less?
	Well, he wants to be a minimalist.
	So for him, he needs to get a car that's like a Toyota or Honda, like something lower.
	Okay, what do you suggest he gets?
	Like a Honda Pilot.
	I mean, that's kind of like a mom car.
	Maybe like a...
	Wait, how old are you, bro?
	I'm 24. You need a lot of space to carry equipment around?
	I feel like you do good with a Lexus.
	I asked 250, 350. I do carry a lot of tools, but mostly they stay at the job site most of the time.
	Okay.
	Do you ever tow anything?
	I didn't hear that.
	Do you ever, like, tow anything?
	No, never.
	Oh, so you don't even need it, bro.
	Yo, bro, you know what?
	Fuck it.
	Just get an older Tacoma.
	Just get an older one.
	It's going to be less payments.
	Because of that truck so much, right?
	Just get an older one.
	Maybe like a 2015, 16. What year is yours?
	2021. Yeah, just get a 2021. $17, $18.
	They all look the same, bro.
	Pretty much.
	And rock out that way.
	Get rid of this one.
	Get rid of this high payment.
	And get a lower one.
	Get like a $300 or $400 payment.
	And you're good.
	You don't think the dealer will fuck me over, like, trying to get, trying to get, like, or trying to buy the car off really, really cheap, and I'll have to pay, like, a huge amount?
	I mean, obviously, right, they'll try to do that to me?
	No.
	See, okay, here's the problem, right?
	You're going in there with a plan.
	You don't have them tell you what to do.
	You're going in there with a plan.
	The plan is, you want to get this car off your plate to either lower your payment to nothing, and then get a new car that's a lower payment.
	That's it.
	But I'm looking right now, 2024 Toyota Coma is around like $40K. And you owe $34K. On a 2021. 2021. So, let's see the price of this.
	I'm looking at Kelly Blue Book here real quick.
	Another thing, too, that I should probably bring up.
	I checked the car facts on the car or the truck.
	Just to check it.
	Everything lives clean, but the truck does have a little bit of damage because I've been hit when I was parked.
	So it does, you know, I mean, I should probably bring that up.
	What do you think about that?
	Bro, I would have mentioned it.
	If they look at the car and they don't see it, perfect.
	But if it's visible, then yeah, you might have to bring that shit in, nigga.
	But yeah, so real quick.
	So MSRP that they will give you for the car 2021 is like going to be between $21,000 to $32,000 is what they'll probably give you for it.
	Is it double cab or just...
	It's the access cab.
	It's the four-door, but the access cab for the back door, it doesn't have like, you know, yeah.
	You know what I mean?
	Okay.
	So, MSRP for that was $22K to $33K, from what it's saying here.
	And then, purchase price is $21,000 to $32,000.
	So, yeah, bro.
	Somewhere around there, they'll give you for the car.
	But again, you need to figure out what that is.
	You know what?
	Fresh, just tell him.
	Because clearly, the guy is kind of unsure about what he should do.
	So, what is the strategy?
	What car should he go in there and tell them, this is what I want, etc.
	Like, what's the strategy to go in there?
	Because he's kind of unsure.
	And you're saying that you need to have a fucking idea when you go in there so they don't swindle you because he's kind of worried about being swindled.
	What car should he go in there and say, this is the car that I want, roughly the year, etc.
	Try to get a deal.
	Because I'm assuming he's trying to lower his monthly payment here.
	I'm not a Toyota person, so I have to look at the cars right now.
	But what I will say is Camry is a reliable car.
	They're very good on gas, and they last a long time.
	So if you are down to downsizing and be a minimalist, you can get a Camry for like $20,000, bro.
	It's going to run forever, and your payment's welcome to like $300, $400.
	Are you cool with that?
	Okay.
	Um...
	And, well, my current interest rate is 9.85.
	Will they try to, like, you know, fuck me over on that, or...
	Well, whatever's going right, bro, is what you're gonna get.
	Are the rates less now?
	What's your credit score?
	Right now it just increased to 756. Yeah, so you're an excellent score category, bro.
	That's why he got away with not putting no money down last time.
	Yeah, so yeah, you're fine, bro.
	Listen, right now the rates are what they are, bro.
	I mean, hopefully Trump does his thing and it does help the rates, but right now it's what it is, bro.
	And if you want a lower payment, then...
	You know?
	You're going to have to downsize significantly.
	You know what you do with rates, bro?
	Is you pay double.
	So, for example, let's say your payment was $740, right?
	And you want to lower your actual car payment and lower the equity you have in the price of the car.
	You pay twice during the month.
	Like, this is a strategy you can do.
	You can look it up as well.
	You're paying twice.
	Yeah, but he wants to lower his car payment is what he wants.
	Caller, why are you doing this?
	You just want to lower your monthly payment, right?
	I mean, that too, and just pay the car monthly payments as quick as possible, paying off the car.
	Yeah, I think he wants to own it.
	So, dude, this is what you do, bro.
	You go to Toyota, or you go to where you bought the car from, hey, listen, I want to see how much you can give me for this car.
	You can go to...
	CarMax or Toyota, it doesn't matter.
	They'll give you a valuation for the car.
	Then once you get that price, what you owe, either you have to pay to get out the car, or you gain some profit from the car.
	Either way, you need to figure that out.
	Once you figure that out, then you can go to either Toyota, Honda, and then find a car like a Camry, or maybe like a...
	Not Supra.
	You can get like a Cross, a Signia.
	This is all the Toyota lines, by the way.
	Not Prius, that's just kind of...
	But the point is that you can...
	Go ahead.
	Go ahead.
	Sorry.
	Once you figure out the actual price they're going to give you for the car, then you can go from there with power to the dealership to get a new car.
	But again, you need to figure out how much you're going to owe or how much you're going to gain from how much they're going to give you for the car.
	That's the biggest thing.
	Okay.
	And I should stick with the same dealer instead of going with my bank, which is maybe federal.
	Wait, is that credit union?
	Yeah, it's a bank.
	Maybe a federal credit union.
	Hell yeah, bro.
	Yeah, because they have way better rates than most people.
	So yeah, stay with them, bro.
	For sure.
	Unless they're going to give you an incentive, lowering the price of the car, like 5K or something like that.
	Because Toyota has these benefits where they'll give you like a...
	Use one of their lenders?
	Owner reduction for the car.
	So Toyota has a deal with everybody in the car today.
	They finance you.
	Yes, they do.
	So basically owner financing.
	They become the landlord.
	Exactly.
	And they give you 5k off the car.
	So, if that's there as an incentive, then maybe you want to compare the two.
	But I would just say, generally speaking, they get better rates at credit unions.
	Pretty much.
	So, cool?
	Okay.
	I mean, yeah.
	I mean, it sounds good.
	Mr. Drippy.
	Tipped $35.
	2015 Toyota Tacoma.
	Most reliable year and half the price.
	There you go.
	There you go.
	Someone literally just sent that in.
	He said, 2015 Toyota Tacoma, most reliable year and half the price, bro.
	That's another one you can look into.
	Yeah.
	Because when it comes to cars, bro, it's what you want to drive, bro.
	I can't tell you what to drive.
	Okay.
	Alright, well, sounds good, man.
	I appreciate it.
	Cool.
	Alright, bro.
	Yeah.
	That's calling us the show.
	Who's up next?
	Alright, thank you.
	No worries.
	I think for most people here, man, the car will define you as a person in a way because that's going to be your signature when you pull up.
	So that's who you are.
	Yeah, you can tell he really likes that car.
	Yeah.
	So maybe get the older one, bro.
	It's his move.
	Because he didn't seem happy when you said Toyota Camry.
	I'm telling you.
	See, here's the thing about you niggas, bro.
	Hold on one sec.
	Boom!
	A lot of you niggas want to be minimalist, but you guys don't want to do what's required to be a fucking minimalist.
	Are you prepared to fucking drive around your 2002 Honda like me?
	Are you prepared to wear the same fucking clothes every day?
	Are you guys prepared to literally, like, not really spend money on clothing at all?
	Right?
	Or the luxuries?
	Guys, I don't even eat at fancy restaurants.
	He doesn't.
	I might do it maybe three, four times a year with this nigga.
	He doesn't.
	Right?
	Because he drags me out.
	So, like, a lot of you guys say you want to be a minimalist, but a lot of you guys aren't willing to do what's required to be a fucking minimalist.
	So you have to have that honest conversation with yourself in the mirror.
	Like, are you really serious about this shit?
	Because some of y'all aren't cut out for it.
	I'll be very honest.
	Like, a lot of you guys are not cut out for it.
	You want to, you know, enjoy the fire and things in life and shit?
	That's cool.
	But...
	Yeah.
	What happened?
	No, we're talking about your car.
	My car?
	Yeah, I got my $2,000 still.
	You got a rear view camera though.
	Yeah, I put that in there.
	And CarPlay.
	Yeah.
	I've had that shit.
	Guys, I've had that car since 2013, bro.
	Yo, Myron's car is gangsta, Brian.
	Hey!
	I put a little backup camera in and shit, but that cost me maybe, like, what?
	700 bucks altogether?
	Hold on.
	You guys want to see it?
	Yeah.
	My 2002 on there.
	I still have it.
	Angie drives it everywhere.
	I don't even drive it.
	I can pull it up right now.
	Angie basically has it all the time.
	You want to see it?
	Sure, if you want.
	But yeah, guys, if you want to be a minimalist, man, understand, guys, that it ain't easy, bro.
	You guys are going to have to significantly downgrade a bunch of luxuries in your life.
	You know?
	What else was I going to say?
	I was going to say something else here.
	Oh, and while we wait for Fresh to pull up my old-ass car, guys, special for you guys, this week only, Black Friday sale.
	If you're a Castle Club member, we are giving away DMs on Demand for a very cheap price.
	You can go ahead and get Castle Club for a year and DMs on Demand together, bundled for only $6.20.
	The price of the course, normally by itself, is $6.97.
	We're giving you guys Castle Club for a year and...
	DMs on Demand together, bundled.
	If you're a Cals Club member for free, a free Cals Club member, you get it for $620.
	If you're already a paying Cals Club member, all you guys got to do is pay $65, upgrade to premium, you get DMs on Demand for absolutely fucking free.
	And if you guys are a part of Cals Club Premium, you already have DMs on Demand as we speak for absolutely free.
	And on top of all the other stuff that we're going to be giving you guys where we have these weekly Zoom calls, et cetera, on different things, whether it's cryptocurrency, whether it's Miguel and Charlie, fitness with me.
	Dating slash Instagram slash networking.
	We're fresh.
	In real estate.
	All the stuff.
	We got even our buddy, Justin, aka one of them boys.
	He can help y'all when it comes to sales and marketing and emails, right?
	He's a digital marketer.
	Great.
	We got Rob with stocks.
	Rob with stocks.
	He's actually, all of his actual recommendations are what stocks to buy.
	He's had winning numbers and people are making hella money with Rob.
	Everybody on premium is up.
	Sorry, Bill Noble.
	What's the max someone made with Rob?
	Rob has a 100% win rate right now, and someone made 2K. There you go.
	Boom.
	2K, guys.
	Off of making plays.
	And guys, after this Friday, the course is going to be taken out, so you can only get DMs on demand with premium and on Cal's Club if you act this week.
	It's the only time, guys.
	So we're going to be promoting it all week for you guys.
	But again, if you're a free Cal's Club member, you can get DMs on demand and Cal's Club for a year for only $620.
	Crazy discount, right?
	You get both.
	Then, on top of that, which you get the Zoom calls and all the other stuff that comes with Cash Club.
	If you're already a member of Cash Club, all you gotta do is pay $65 and you get DMs on demand attached with that for $65, guys.
	Literally like 90% off.
	Okay?
	And you join Premium and then you're able to get all the other benefits of being in Cash Club Premium.
	As well as being a regular Cal's Club and getting the Zoom calls there and then getting the DMV and getting the more detailed Zoom calls where we go on a specific topic and we go really into it.
	Because with Cal's Club, guys, we have Zoom calls, but it's general.
	Open Q&A, answer all types of stuff.
	We can't go as deep because we got hundreds of guys in there a lot of the times when we do these Zoom calls.
	But on premium, it's way smaller.
	10, 20, 30, 40, 50 guys at the most.
	And we're able to really go deep on stuff.
	Tighter community.
	Pause.
	So, guys, this is a big deal.
	If you're on Castle Club Premium already, you get the course for free.
	If you're on regular Castle Club, upgrade to Premium, $65.
	Fucking cheap as hell.
	And then, boom, you got DMs on demand.
	And it's only available this week.
	We're going to take DMs on demand out after.
	So you'll be grandfathered in if you sign up this week.
	You'll make way more in there as well.
	Here's a video of your car actually.
	Moving into the building.
	Oh, shit.
	This is history right now.
	Started with a Honda Accord.
	Still got it.
	Boxing.
	Chris was in shape.
	Wait a minute.
	Wait a minute.
	Hold up.
	Chris was in shape.
	Look at that nigga.
	He's not fat.
	Let's go.
	Who is he, brother?
	He's in shape.
	That nigga doing work.
	And I still got that car. - What the fuck?
	From the bottom, you feel me?
	That was like our first day moving into a fucking panorama, bro.
	That's crazy.
	You feel me?
	That's when I was so cool.
	Back in the day.
	I was so cool back in the day, man.
	I was that guy.
	Now I'm just the guy, you know?
	I'm just the guy.
	But yeah, guys, join Cast Club, man.
	Cast Club and Cast Club Premium, guys.
	Wow.
	Literally $65 if you're already in Castle Club.
	If you're not in Castle Club, get Castle Club for a year and DMs on demand together.
	Crazy bundle deal.
	Crazy value.
	Alright.
	Okay.
	Any more callers?
	Yeah.
	And that's really, guys, because we could have given more of a discount and just sold it at a lower price, but honestly, since you guys have been with us in Castle Club and rocked with us for the past year and been supporting, we're like, you know what?
	We give y'all fucking DMs on demand, DMing it for free.
	And if you're a premium, you already get it for free, which a lot of our hardcore supporters are there.
	So you guys get DMs on demand for free just for rocking with us.
	Thank you so much.
	So we want to give back.
	Me, me, Chris, in Castle Club.
	So...
	Want to get back to you guys that rock with us, man, because we love you guys over in Castle Club.
	Because Castle Club is what keeps the show going, guys, to be honest with y'all.
	Rumble Castle Club is what it is, because if we get canceled, y'all saw, man, fucking bitch-ass Twitch on some bullshit, banned for no reason, off-platform behavior, like, fucking stupid.
	You know what I mean?
	They can ban you for any fucking reason, bro.
	Yeah.
	And the TOS isn't, like, evenly enforced at all.
	Like, yo, literally, off-platform behavior.
	I was like, didn't break no rules on Twitch.
	They have to say, oh, off-platform shit.
	Fuck Twitch.
	So, you know what I mean?
	If we get it back, great.
	If we don't, eh.
	It is what it is.
	Fuck those motherfuckers.
	Yeah, we don't get it back, bro.
	Bitch-ass app, bro.
	Just cooked.
	But it's all good.
	Next caller?
	4498, you are up.
	4498 you are up We can't hear you brother 4498 4498-505-605-9740 is the number to call into the show, guys.
	Put the last four digits of your number.
	Donate in.
	What's up, bro?
	So you can cut the line.
	We can hear you now.
	Okay.
	First of all, I want to say thank you guys for inviting me on the show.
	I'm at work right now.
	I have one recommendation.
	It would be, like, when you go on the list and you look for all the videos, like, it's a lot of them you can't find.
	Like, you can't find, like, the videos that have to donate.
	Wait, this should all be on Rumble.
	Wait, what do you mean YouTube or Rumble?
	On Locals and on Rumble.
	And even on YouTube.
	Even on YouTube, you can't find the episodes anywhere.
	On YouTube, probably not, bro, because we have to erase a lot of our videos because, you know, fucking YouTube is what it is.
	But there should be on Rumble, right?
	I don't think Rumble, but...
	He's saying Minister Jap and Academics episodes.
	They're a bit older though.
	They were much older.
	But I can have them tonight.
	Alright.
	Okay, cool.
	You know what?
	Caller, Mo's got you right now.
	He's going to upload them tonight for you.
	He's going to upload...
	Which Academics episode are you talking about though?
	He's been on a few times.
	You can just bring them all up.
	Mainly when the girl pulled the blicky, that shit was fucking fire.
	Oh, the blicky episode?
	Alright, we will go ahead and put that on Rumble.
	Because that might have been before.
	Nigga want to see violence.
	Yeah, of course.
	Alright, we'll put that episode up and then we'll put the minister job one.
	Got you, alright?
	I have a personal question.
	Can I ask that too or no?
	Oh yeah, go ahead.
	Just make it quick.
	Me personally, I'm in Palm Beach right now.
	I'm 21. I'm the same dude that works at the warehouse.
	You got yelled at me about quitting.
	I'm currently, like, I'm in, like, a little bit of debt because I was making very good money and I made bad decisions.
	Like, I bought a new car.
	I moved out.
	Like, I thought I was grown.
	And right now, I'm in, like, 5K worth of credit card debt.
	It happens, bro.
	And, like, I make around, like, yeah, I make around, like, 6-5K a month.
	But it's like I've been stuck with the same debt for like almost a year.
	Like I moved back in with like my grandparents and stuff like that.
	But it's like my car payment, like it's not super heavy.
	But it's like I keep trying to pay the cars and stuff off, but the interest keeps getting me.
	So like, what do you think I should do?
	I only have like five, six K saved up.
	Nigga, paid off.
	Yeah.
	Bro, you live with your family right now and you said you got two K debt, but you got five, six K saved?
	No, no, no.
	I have like five, six K debt.
	Okay, and you have how much money saved?
	5k.
	Around like 5k.
	Alright, bro.
	You live with your family.
	It's fine.
	You gotta take that 5k and just pay off the majority of that debt.
	I'll tell you this, bro.
	Because the interest is what's fucking you up.
	And the reason why the interest is so high and why you're making these payments and not making a dent is because the goddamn principal, you're not attacking a principal.
	You're attacking only the interest.
	Also, look at it this way, bro.
	Right now you're negative 5k.
	So, you're at zero now.
	So, if you look at it in that way, you have $5,000 in savings and then $5,000 in debt, basically.
	$6,000, yeah.
	$5,000, $6,000.
	If you don't pay that off, you're negative or you're like zero.
	So, right now, your net worth effectively is $1,000.
	Negative $1,000.
	Yeah, negative $1,000.
	Pretty much.
	Because you're a 5K in debt and you have 5K cash.
	So, bro, I would take that 5K. You live with your family already.
	Maybe you could go ahead and take 4K. Keep $1,000 just in case.
	Take that 4K and knock that fucking debt down.
	Because the thing is that you're going to keep getting killed on the interest rate because you let the principal go up too high.
	Also, you're forgetting, bro.
	And the principal is what dictates that high-ass interest rate.
	The principle is what dictates those high-ass payments that you're paying everyone.
	You're going to have mental clarity.
	Lift off your shoulders, bro.
	You're going to be at ease.
	You're going to be able to make more money because you're going to be more focused.
	That's going to be a lifesaver, bro.
	How many hours a week are you working right now?
	Let's pay it off, bro.
	Well, let's not forget who started this problem themselves, though.
	You did it to yourself my friend.
	Ugh, shit.
	Alright, yo, look, bro.
	It's very simple.
	This is what you're gonna do.
	Step one, you're gonna work more hours of your job.
	I want you to start picking up 70 hours per week for the next two, three weeks, okay?
	Step two, you're gonna take $4,000 out of your savings.
	You're gonna knock down that fucking principal down to $2,000 that you owe, okay?
	Then, those extra hours that you're working, that money that you make extra, that's gonna go to knock off the rest of that 2K that you owe.
	You'll probably be out of this debt within the next 60 days if you do this right.
	That's good, bro.
	Cool?
	But hey, yep.
	That's my plan, man.
	I'll do it, and I'll call back in probably by the end of the year to let y'all know.
	Yeah, and update us when you let me know.
	But yo, you gotta take a big chunk of that debt out, bro.
	Because the biggest thing here for you that's fucking you up, you got the $6,000 that you owe, and what they're doing is they're charging you 30% interest on that $6,000 that you owe.
	That's why you're not making a debt in it, and you've been stuck for the past few months paying it off.
	So you just gotta make a big debt, bro.
	Bring that shit down to like $2,000.
	Honestly, I'll take...
	Yo, pay the full 5k.
	You live with your family.
	You don't gotta pay no bills, bro.
	Just take the full 5k and knock it down to 1,000.
	Also, Cole, I can guarantee you, you don't have a budget for your money.
	Because right now, bro, if you budget your money correctly, you could pay that off even faster.
	But again, it's like, you're not budgeting your money correctly.
	That's what's happening here, too.
	We moved back in, too, with his family.
	Yeah.
	So now he should be able to save some goddamn money.
	Yeah.
	Yeah.
	No more nigger shit, bro.
	No more nigger shit.
	No more going to the club.
	Trust me, bro.
	I've been there.
	No more going to the club, trying to flex on bitches.
	Like, no more of that shit, bro.
	70 hours per week you're working now.
	Like that.
	Like that.
	Keyword, like that.
	Bro, you bought a new car, bro.
	Yeah, you want some nigga shit, bro.
	And you know West Palm Beach, I already know, bro.
	What do you got, a track clock or a Charger or some shit?
	I wish.
	Bro, I got a regular Nissan, bro.
	I got a regular Sentra, bro.
	You bought a Nissan Sentra new?
	Bro, watch it.
	I got a brand new Sentra.
	I got a brand new 224 Sentra with freaking seven miles on it.
	Yeah, I ain't gonna lie.
	I feel like that guy, bro.
	I was 20 making good money.
	I was like, fuck him.
	I don't want a new car.
	Stupid.
	I did that.
	I moved out.
	Never in your life buy another new car, bro.
	It is one of the dumbest things you can do, because the moment you drive off the lot, you lose value in the car.
	And now look, you're fucking 6k upside down because of a fucking dumbass car.
	Bro, again, I'm going to say this one more time for you.
	You're going to pick up more hours of your job.
	I want you to start working 70 to 80 hours a week.
	No more fun, okay?
	You're going to take two weeks where you do this shit.
	Then, you're going to take the full fucking 5k that you got...
	You live with your family.
	You only got no fucking worries.
	Pay it off, bro.
	You're gonna pay 5k off that debt and you're gonna only have a thousand left.
	Then, those extra hours that you work, that's gonna go towards the fucking debt.
	You're gonna knock that shit down to zero and then you're gonna use credit cards and tell you from this point forward.
	And then try to get the fuck out that car if you can.
	Yeah.
	Why the fuck do you got a brand new car, nigga?
	Retarded.
	Well, no.
	I had to pay it off at Apollo at first, but then I had engine problems.
	I had engine and water mixing in it so the engine's speed, so I had to get something.
	You could've got a used car.
	You could've got a used car, bro.
	You could've got your marching corners.
	You know what to do.
	Repeat back to me what you gotta do. - We gotta work 70 hours a week, take most of that money, pay it off within about 90 days, and then try to get out of the car.
	I'm not sure how I got out of the car though, 'cause I got the car about two years ago.
	What I want you to focus on, take that 5k, knock your debt down to 1,000, and then I want you to work 70 to 80 hours the next two, three, three weeks.
	The biggest thing with the car, bro, is that you've got to figure out your payoff amount and how much they'll pay you for your car to take it.
	Let's get your debt down first, then we can talk with you on the next call about your car.
	Yeah.
	Get you out of it, right?
	Alright.
	Alright, bro.
	You know what to do.
	Hey, hey.
	Hey, screw the haters, man.
	Y'all are really changing lives out here, bro.
	Don't let no...
	I'm gonna watch my words.
	Don't let people stop y'all.
	We appreciate that, bro.
	And yo, honestly, bro, you're in a good spot.
	Like, I know we're giving you some tough love, but bro, you're literally in a very good spot.
	You got some of the money there.
	You can knock the debt off.
	This is a completely defeatable objective.
	You got this, alright?
	Alright.
	Alright, bro.
	Peace.
	Okay, who's up next?
	Guys, no more brand new cars.
	If you guys watch this podcast and I hear any of y'all niggas buy brand new cars, bro, I'm gonna yell at you guys.
	Yeah.
	Especially after what you guys saw, Fresh gave you guys that fucking lecture on new cars, bro.
	It's a fucking waste of money.
	Yeah, man.
	Actually, in premium, you guys saw my actual stats on cars, bro.
	I went through it with them.
	Oh, you did?
	Okay.
	You shouldn't do that, yeah.
	It's tough.
	You know what?
	We should do a premium episode on purchasing cars.
	Yeah, we can actually.
	Literally, just purchasing cars, how to navigate the dealership, how to navigate buying a new car, how to navigate not why you shouldn't buy them, but you know.
	I pulled up with a 1.8 Chess Packer, the car he wanted, for premium as well.
	Oh, and y'all worked through it?
	Like the numbers?
	Some options, yeah.
	Okay.
	Some really good ones.
	Okay, who's up next?
	And guys, we're going to do the news here very soon.
	Yes.
	What's the lead story on that?
	Disrespect coming to Rumble.
	Okay.
	Yeah.
	I mean, there's a bunch of news stories there.
	Yeah.
	I'm about to look at the Rumble stock right now.
	Yeah.
	It's up, man.
	18%, 20% is up.
	Go ahead.
	Who's up next?
	Guys, call on to the show.
	505-605-9740.
	Again, premium members, we have a special for you.
	We're giving you the DMs on the math course for free if you're in there.
	If you're in premium.
	Yeah, and if you're not, you can get the one year of Castle Club itself with the course for 620. Yep.
	Or, if you're in Castle Club, just upgrade, because a lot of you guys are watching already in Castle Club.
	I see 157 of you ninjas right now watching this live from Castle Club.
	All you niggas, pay 65 bucks and get DMs on them, man, for fucking free and getting premium right fucking now.
	Massive value in there, man.
	Huge value.
	You guys get the course for 65 fucking bucks, 90% off.
	So, shout out to all my Castle Club guys.
	And that's honestly for you guys.
	If you guys have been in Castle Club, we want to give you guys something special.
	You get the fucking course for dirt fucking cheap, bro.
	And you get access to it.
	On top of all the other value in Castle Club Premium.
	Rubble stock.
	Yeah, it's $7.31 right now.
	Alright.
	I'm looking right now.
	Alright.
	Who's that...
	Who's up next?
	7295, you are up.
	7295, you are up.
	7295, go ahead.
	Welcome to the show, bro.
	What do you got to say?
	What's your question?
	Hello, can you hear me?
	Yeah.
	Hit us with your question.
	So I just want to say thank you for your time, obviously.
	So I'm currently about like...
	10k down in the year.
	I've been trading and right now I'm working.
	So my question is, how can I... Right now my goal is I'm trying to leverage loans to make money.
	Wait, wait, wait.
	Don't tell me what I think you're saying.
	You're saying you're getting a loan to trade?
	Get it.
	Nah, bro.
	Yo, nigga, that's suicide.
	What are you trading?
	Are you trading stocks?
	Crypto?
	What are you trading?
	Stock options.
	Stock options?
	Bro.
	Yo, hold on.
	Are you using a firm or using your money?
	No, I'm using...
	So, I was using my money.
	So, like, about two weeks ago, I did take...
	So, my goal is I want to get my credit card up.
	And right now, I'm 20. I have three credit cards.
	I had them, like, for about a year.
	Got, like, $800, like, on all three of them in total.
	The amount is $800.
	I do have pretty good weeks sometimes, but some weeks do just bring me.
	Bro, you might as well gamble your money, bro.
	Overall, I'm down like $10K.
	Bro, you might as well gamble your money if you want to do this.
	Listen, I think you should get a mentor that's going to show you step by step what to do because the problem with trading bros is that you're going to lose money.
	And you need the money right now to survive and do your stuff, right?
	So you should trade money that you don't need.
	Usually you get a prop firm and they trade for you and then you just keep the difference.
	But the point here is that you're trading money from a loan.
	That's a really bad thing to do because the foundation is shaky because it's a loan.
	So you gotta pay your 10k back because, bro, Right now, you're trading on a faulty foundation.
	The loan that I have is not necessarily 10K. The loan I got was 1K and I already paid it back.
	My goal is just to build a trust between the loan companies because I ultimately want to get a bigger loan because I have taken out a loan and I doubled it the same day.
	And the only reason I took out that loan is because, like I said, I want to be able to trust with the company.
	I get that, bro, but you're borrowing money to trade.
	Do you hear yourself, bro?
	Honestly?
	Yeah.
	Okay, let me get it straight.
	You want to progress in trading, right?
	You want to build this relationship with the company.
	Understandable.
	But getting a loan to that...
	Listen, is it a prop firm?
	Or no?
	Is it just a standalone company?
	No, so I'm trading, I'm using, I'm just trading options on Robinhood, Webull, Robinhood on exchanges like that.
	Okay, where do you learn how to trade?
	Is it from a mentor?
	Are you doing online?
	How do you learn how to trade?
	So I did, so I did learn like online for free, but at the point that I'm at now, I know how to trade by myself.
	And like I said, I do have really good weeks.
	Like last week I was up like around like five to six K off that loan itself.
	But like I said, I have weeks that just kill me and drain me.
	And I do cash out the earnings.
	But ultimately, this year has been the year that I traded the most.
	And I did see myself progress in the year.
	But I'm at the point now where I'm just trying to see how I could further...
	My goal is for the year just to break even for the year.
	Bro, I think trading is an awesome skill, but do you want to know how...
	You know what?
	Most traders don't really make money from trading, right?
	You know that, right?
	Yeah, I understand that.
	This is one of the skills that takes time, effort, and a lot of hard work.
	So if you're okay losing money, that's fine.
	But getting a loan to do it, I get it.
	You're trying to build a relationship with a company.
	It's just a bad foundation, bro.
	You should have money from your job or say that you're willing to trade or get a prop firm that has the money that's on an account, not tied to you directly.
	And that's your way to like, you know, sort of like risk that money.
	You get what I'm saying?
	Because right now you're risking money that like, what if you need to pay it back and it's a big number and you can't pay it back?
	You get what I'm saying?
	And then you're in hell of debt.
	Yeah, so...
	I feel like the problem for me is that I could trade.
	The problem is that I could trade, and yes, I'm down 10K for the year, but like you said, I'm not necessarily comfortable with losing money, but at the same time, I am because I do know I can make it back.
	Right now, I live with my parents.
	All of my money that I make is really just getting saved and paying with bills.
	I think I have no car note.
	Bro, bro, bro, bro.
	I got two of the best traders.
	Three of them that I know personally, right?
	Lambeau, QBanks, and the third one I don't want to say.
	But nonetheless, they had a job, bro, when they were trading.
	At least Q did.
	He had a job at Target.
	He was trading.
	He had his money saved up, and he had some things going on in the background to get some money for funding, and then he did his thing with his job.
	You need a job, bro.
	You're just trading, staying at home, bro.
	Right now, I'm working as we call it right now.
	Okay, you're at work.
	Great.
	Use that money and the loans, bro.
	I will lay out the loans, bro.
	Now, obviously...
	So like I said, I'm using my money to trade, but those loans, I'm just trying to leverage them.
	And they are high interest, but I'm paying them back like literally the same week.
	Okay.
	So you paying them back, does it hurt you then?
	Is what you're saying?
	No, so the interest is not a problem because I'm ultimately paying them back really like the next week.
	That loan that I did have, I just wanted it to be on my credit report because I want my credit score to go up.
	As of now, my credit score is like really low and I'm trying to get that up and that's my ultimate goal.
	Okay.
	Well, listen man, like I said before, I think trading on your loans is crazy, but if you're going to pay it back and it's not going to hurt you, then I can see you trying to build that credit history up.
	But again, bro, I'll find a mentor in the space that you're in because you don't know everything.
	Obviously, you're learning.
	You've got some advanced skills, which is great, but I'll find a mentor that knows what he's doing because the learning curve, bro, for trading is tough.
	And if you think about it as a long-term prospect, Most people either bottom out and they lose everything and they start from scratch or they hit it big, but it's a very small number of people that do it.
	And if they do do it, they have to mentor telling them or showing them how to do it correctly to avoid the pitfalls of trading.
	Because trading, bro, is an amazing skill.
	It's how you can make a hell of money.
	But again, the actual skill itself, it takes time and money and, bro, getting a loan for it could affect you negatively if you can't pay it back.
	So that's all I'll say.
	I definitely agree how you say it could make me a lot of money.
	Like I said, I made a lot of money in the short term, but I also lost it.
	So one more question before I go.
	If I do make the money back in the short term, like I said, I'm down over 10k on the year.
	What do I do from there?
	I'm gonna have to pay taxes on that.
	What do I do from there?
	Let's say I make half of that back, or let's say I'm up the whole 10k.
	The problem is, bro, is that you're forgetting.
	A lot of these guys that trade and make big money are spending big money.
	100k plus on accounts.
	You're spending 5, 10k maybe.
	Bro, the returns are minimal.
	You're not going to get ahead doing it that way.
	You need a prop firm or you need a big amount of money to trade those big wins.
	And bro, honestly speaking, bro, without guidance, bro, you're just winging it.
	You're gambling.
	Honestly, you're gambling money, bro.
	It's an L. You're trying to make it make sense.
	It doesn't make any sense.
	So if I were you, what I would do, bro, I will learn how to trade still with small numbers that I can afford.
	And if the loans you can pay back, I get it.
	Risky there.
	But if you're going to pay back, you're confident you can pay back, fine.
	Then I'll find a mentor that can teach me how to get big amounts of money to do it correctly without losing money as much.
	And then go from there.
	But bringing it like how you're doing around is crazy, bro.
	I heard you say, I was like, are you serious, bro?
	Like, you gotta be joking.
	Bro, I'm not gonna lie, bro.
	I mean, as of now, I did put on some of my friends in trading, and they have made money, because I did open, like, a small Discord with people that I know, and they have made money, and they, like, were satisfied with the returns.
	Like I told you, I've had amazing weeks.
	Yeah, bro, but you're gonna have ups and downs, bro.
	You don't always have ups, bro.
	It's like gambling, bro.
	You get a big win?
	Oh, yeah, I'm that nigga.
	You just get overconfident, you lose, and then...
	It's gambling, bro.
	If you look at it from that point of view.
	Again, we got a premium membership, bro, with Rob.
	He tells you what stocks to pick.
	Yeah, you need to get in there.
	Dude, that is a mentor that's been tested through years of hard working charts and looking at actual numbers in trading to tell you what to do.
	How about this, bro?
	How about you take 65 bucks that you would have potentially thrown away from trading, right?
	Get in there.
	air was the next time we're having Rob on a schedule noble on Saturday well he's literally coming on this Saturday get a classical premium right now bro okay get a classical premium right now if you're not a cast club member you got to get it you got to get because join cast club and then couch the cast go premium yeah the link is there down below all right but get in there bro because you need to talk to talk to our guy Rob because you need someone that's experienced because it's Here's the thing You're going to trade no matter what the fuck we say.
	I can already tell.
	You're over here arguing fresh about why you want to trade.
	So at least...
	Yeah, see?
	He's laughing.
	He knows it's true.
	Yeah, he knows.
	He's going to trade anyway.
	He called in here trying to get, like, oh, bro, he's trying to get our approval.
	I mean, yeah, I'm not going to lie.
	I am going to trade, but I just want to hear someone's other, like, view.
	Okay, so then this is what you're going to do.
	This is what you're going to do.
	If you're going to go ahead and trade anyway, talk to someone that makes way more fucking money than you doing this shit.
	Alright?
	We have a premium.
	65 bucks.
	It's money that you probably would have burned anyway by trading on your own.
	So since you're gonna fucking trade anyway, let us go ahead and give you a guy that's gonna give you some training wheels so you don't fuck yourself up.
	So get into premium right now, bro.
	Because we literally have a guy that does this and every guy that's followed his trades has made a bunch of money.
	Yeah.
	Since you're gonna do this shit anyway.
	Alright.
	Alright, I appreciate the call.
	I appreciate you guys' time, man.
	Thank you for the advice.
	Yeah, bro.
	We're not saying to give up.
	We're just saying do it smart, bro.
	Yeah, do it intelligently.
	You're winging it, bro.
	Yeah, you're winging it, bro.
	So, get a premium right now, bro.
	If we don't see it, go up by...
	What's your name?
	Okay.
	What's your name?
	My name's Ian.
	I'm from Milwaukee.
	Like you said, Milwaukee shit.
	Yeah, Milwaukee does suck, bro.
	I can agree with that, but I can disagree with it.
	Bro, Milwaukee sucks, man.
	When I was there for the R&C, that shit's trash, bro.
	Your niggas is cooked over there, bro.
	Yo!
	What part of where around Milwaukee did you go to?
	I was in downtown, but what did you do after that?
	I ain't do nothing.
	There was nothing to do.
	It was trash.
	Yeah, I could slightly agree with that, but there was definitely something to do around Milwaukee.
	Y'all had the biggest political event, and that shit was still trash, bro.
	Yeah, I was at the Republican National Convention earlier this year.
	But yeah, look, Noble's gonna be on the lookout for your name, bro.
	Sign up now.
	Get in there right now.
	Because we're literally gonna have that Zoom call Saturday.
	I'm telling you, take action now.
	Get in there.
	Alright.
	65 bucks.
	Nothing.
	Alright, peace.
	Alright, who's up next?
	And just so you guys know...
	Black Friday sale.
	If you're a Cast Club member and you're in the free section, all you gotta do, you wanna go in and get dams on demand for absolutely free and get into Cast Club for one year?
	$620.
	Fucking steal.
	The course is normally $697.
	You're able to get in at a fraction of the price and get Cast Club for a fucking year.
	Which means you got all the fucking content behind the scenes.
	All the stuff.
	So if we ever cut a stream or anything like that, you know exactly where to find it at Castle Club.
	Then, if you're already a Castle Club member, thank you so much for being a Castle Club member, you go ahead, pay $65, upgrade to premium, and you get DMs on demand for absolutely fucking free.
	Yep.
	$65, get DMs on demand for free.
	You guys have been waiting, it's your chance to get it for fucking damn near 90% off.
	And if you're in premium already, congratulations, you got the course for fucking free.
	Guys are signing up right now and we just got a bunch of guys that joined.
	Welcome to Cal's Club Premium, guys.
	And join in, guys.
	We're only running this special for this week.
	After this week, we are taking DMs on demand out from Cal's Club Premium.
	If you're in there already, it's going to be grandfathered in.
	You can always have access to it.
	But after this week, we're taking out Black Friday sale special for you guys.
	You basically have the course bundled up for a fraction of the fucking cost because we want you guys in our community.
	We want you guys in there so you guys can get the content and all of the benefits that are in there as well.
	Not just the course.
	Also, everything you get in there, guys, is way more than $65.
	You're getting mentors in every space, pretty much.
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	You can't lose, bro.
	You get access to us, bro.
	You guys really get direct access to us.
	It's a W, man.
	Once you join Castle Club, whether it's regular Castle Club or Castle Club Premium, Where we go more in the weeds on things.
	Join up, guys.
	Join up.
	Bunch of guys just signing up right now, which is awesome.
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	65 bucks, bro.
	And you get DMs on demand.
	You guys been weighing?
	There's your chance to get it right now.
	Only for this week.
	Black Friday sale.
	Who's up next?
	We got to get going to the news.
	We do, actually.
	We'll do what?
	How many more callers?
	Two more.
	All right, we'll do two more.
	And then a news.
	All right.
	Go ahead.
	This person donated again to be back again.
	Let's try to get someone that hasn't...
	Well, we actually ran through all the paid calls.
	Okay.
	Let's hit one free call then.
	And then we'll go to that guy.
	Because he's already been on.
	Cool.
	Alright.
	4359. Yeah, it's 65 monthly, guys.
	Yep.
	Cast Club Premium.
	4359. And you get access to DMs on demand.
	4359, you're up.
	4359, you're up.
	Hello, can you hear me?
	Yeah, what's up, bro?
	First and fifth, how we doing?
	What's up, man?
	What's up, man?
	Hit us with your question.
	Oh, a lot of nothing.
	Man, been watching y'all for a little minute.
	Definitely wanted to speak with you on a few things.
	So, I know it's primarily money, correct?
	Yes, it's money Monday.
	Yes.
	Okay, so, been looking at certain things and Wanted to kind of like go over how to make money and the internet.
	Okay.
	That's a very broad statement.
	Yeah, that's broad.
	What are you looking to get into?
	Is it like, I don't know, e-commerce, content creation, marketing, affiliate marketing?
	What are you looking to get into?
	Yeah, probably definitely like social media.
	I've also heard about e-commerce and stuff like that.
	Okay, I think you're...
	Going in the right direction, just you don't have an actual destination.
	So what I would do if I were you, I would actually go on YouTube and look at these things in detail to see what you have to do to do these tasks.
	Listen, I did it before.
	I want to make money online.
	I didn't know what I wanted to do.
	I looked at e-commerce, affiliate marketing, I looked at freaking everything.
	And I saw what it was to do, and I tried it, and I didn't like it.
	I was not good at it.
	I failed hella times.
	Actually, the interview with Grant Cardone, I was doing affiliate marketing, 30 bucks a week I was making.
	Terrible.
	So, yeah, bro.
	That's what I would do.
	And then we have money, money, bro.
	All right, hold on.
	All right, bro, do you have a regular job?
	Yes.
	How much do you earn per year with your regular job, and what do you do?
	Well, I just started working over there about, say, three weeks ago.
	I worked at a treatment center.
	I worked with boys who are...
	What you want to call it, like with substance abuse and stuff like that.
	Okay.
	And, you know, I teach them.
	I oversee them overnight.
	All right, great.
	So you obviously help at-risk youth that have issues.
	And how much does that job earn you per month, roughly?
	Well, it's 16 an hour.
	Okay, so I don't know how many hours you work.
	Like, what is that per month, roughly?
	I'm working around like 40 to 50 hours.
	Like I said, I haven't been there past a month yet.
	That's why the number isn't ringing.
	Okay.
	Alright, so you want to go ahead and start making money online.
	Is that your goal here?
	It's one of them.
	And also, too, I would like to start coaching.
	Obviously, I have a Athletic background.
	I have a degree from Hampshire University in sports management, and that's mainly my passion.
	Like sports conditioning?
	So you want to do sports coaching?
	Like strength and conditioning?
	Offensive line for football.
	Okay, so it's a very particular niche that you want to get into where you coach football for offensive lines.
	Yeah.
	Have you thought about volunteering at your local high schools?
	Have you thought about volunteering at local high schools and seeing that if you do a really good job, they could potentially bring you on as an assistant coach, then you rise up the ranks?
	Have you thought about that?
	Um, uh, not, well, that, that, I've been more interested in college because I know college is kind of like where it's at.
	Yeah, but you've got to start somewhere, bro.
	The thing is, you've got to start somewhere and build up a name.
	That way, the colleges will then hire you.
	But you have to build up a name.
	If this is your real passion and what you want to do, this is how you're going to do it.
	Because to me, it doesn't look like you want to, like, you kind of want to make money online, but realistically, you kind of have a passion for football, and you're kind of working this job right now with these kids to kind of fund what you want to do.
	So what I would do is this, since you're actually interested in that.
	Work your regular job, volunteer as an assistant coach, right?
	At any of these local high schools or middle schools, whatever it may be, volunteer, rise up the ranks, try to get a part-time and or if not permanent position because becoming a volunteer assistant coach will almost, if you stick it out and you're good at what you do, you'll probably get promoted.
	Then as you go up the ranks, then you can work your way into college.
	But you got to volunteer, bro.
	That's what it is.
	When I was an athlete, bro, bro, just listen, man.
	When I was an athlete, right?
	Every coach that I saw, and Division I, by the way, right?
	Every coach that I saw, they almost always started out as an assistant coach volunteering.
	and then they volunteer, volunteer, volunteer, and then an actual paid co-head coach or an assistant coach that's paid, whatever, that opens up and then they go ahead and take that position and then they just rise up the ranks. - Right, yeah, it's like you gotta crawl before you walk, you gotta start someone.
	No college is going to take you on until you've got a repertoire and a resume behind you.
	Because that's when you start making the big money.
	Once you get into Division I colleges, etc.
	Those are huge programs.
	Multi-million dollar programs.
	Where it's damn near an NFL operation.
	So if you want to get to that point, you need to build up that resume and build up a name.
	And you're going to do it by working with the youth and finding athletes, scouting these athletes.
	And then if you build up a fucking star, bro, that's going to come back to you.
	But it starts with the kids.
	Yeah, that's true.
	And it seems like you're good with children.
	You care about them.
	You obviously picked up a job now.
	We're helping them out.
	So now you can coach them.
	Okay, yeah, yeah, definitely.
	You know, like I said...
	Fuck the online shit, bro.
	That's not what you want to do.
	You just want to make some money.
	Dude, do what you want.
	You clearly love football, so I would say do that.
	Also, social work and online work doesn't go together very well, actually.
	If you're a social worker and you do anything online, it could jeopardize your job, so that's a no-no.
	But that was low-key one.
	I'm like...
	Could I do like the online, you know, social media, stuff like that on the side and, you know, do what I do for real, which is the game of football?
	Well, you could.
	You could make an Instagram based on where you give tips, football tips specific to the offensive line.
	You could do that.
	Make it like on that niche.
	You could absolutely do that.
	And then what you could do is actually, if you end up being this volunteer coach, you can record content with some of the kids that you coach.
	Obviously, you've got to get fucking waivers and make sure that the head coach allows it, etc.
	But you could realistically make a bunch of content where you're coaching the kids and you're teaching them different plays, teach them how to condition, all this stuff.
	And that might get your name out there as well.
	So yeah, man, volunteer.
	Use that to get content.
	Get your name out there.
	Build a fucking good-ass team because people are only going to care about the results.
	Get them to regional states, whatever it may be.
	Get a championship under your belt with them, whether it's middle school or high school.
	And then rise up the ranks, bro.
	That's what I think is the best way if you want to get into social media.
	Do it all for your passion and then volunteer as a coach.
	And then get the content for volunteering as a coach.
	That's good advice.
	There you go.
	The college coach industry will judge you by your former students.
	Did he hear you on that?
	The college coach industry will judge you by your former students.
	That's why you have to start doing the...
	You gotta start high school, bro.
	Or middle school.
	Or parks.
	AAU? So, you gotta start...
	Yeah, youth league, power style, travel team, stuff like that.
	Yeah.
	And then if you find a star, you fucking cultivate that kid into a star, that will help you as well.
	And let it be known it was you that coached him.
	Like, promote him?
	Be like, hey, I got like the...
	The top offensive tackle in the city or like the state.
	Of course.
	I mean, that's where, you know, that's going to be way down the line.
	But the important thing is that that kid, that star, is going to remember that you were their coach.
	And then you'll always have that on your repertoire.
	On your resume.
	For sure, for sure.
	You know, before I go, I was always wondering...
	Would y'all ever bring Far From Week on your podcast?
	Who?
	Far From Week.
	I don't know who it is.
	The faceless YouTuber.
	If he's faceless, why would he come on a public show?
	Well, no, he's great for self-improvement, too.
	You know what I mean?
	I think he had mentioned y'all in one of his videos.
	It wasn't necessarily like...
	I mean, he had Myron in Eclipse, but, you know, it was kind of like something because Myron was, you know, overreacting or, you know, flipping out a little too much.
	But, you know, I think he could kind of like help out too in terms of, you know, great content.
	Why would I bring in a hater that doesn't even show his face?
	Well, the thing is, I wouldn't necessarily call him a hater.
	Like I said, he hasn't like directly came at y'all in particular.
	But, you know, it was like one of the clips, like, you were mad and you had got up and, you know, because...
	You're probably mad at one of the girls that said some stupid shit.
	A lot of girls that do go on there, they can't really, they don't really bring, the only thing they really bring is obviously a cute face and a great body, especially the OnlyFans girls.
	But, you know, I'm just saying that, you know, he's great with self-improvement too, and I'm a big fan of his also, you know.
	So how can you trust him when a self-improvement doesn't even show themselves though?
	Am I allowed to say that again?
	How can you trust someone in a self-improvement space that doesn't even show their face?
	Well, it's faces automation because faces YouTubing is pretty popular on YouTube.
	It is popular.
	I think he wears a mask.
	Yeah, of course.
	Listen, bro.
	uh thanks for the recommendation but no okay well hey thank y'all um Appreciate y'all been watching y'all for a little minute.
	A lot of people around me don't really like y'all like that, but hey, you know, I ain't got no issues with y'all.
	Y'all just very strongly opinionated, that's all.
	I can see why.
	Well, I'll tell you this, they ain't gonna give you sauce like we just gave you.
	Facts.
	Also, if you want an audition, bro, go to David Omari.
	We did a show with him as well.
	Just check him out.
	Yeah.
	Go to who for what?
	YouTube Automation.
	If you want to learn that, you can learn from one of our Money Mondays with David Amari.
	Oh, yeah, yeah, yeah.
	That's good.
	All right, man.
	Well, thanks for calling in the show.
	Yo, someone rubble chats and bite.
	What was that?
	Bite inward.
	Yo, y'all think it's a wallet, bro.
	Y'all think it's a wallet, man.
	Okay, you want some chats or one more caller?
	Yeah, we can do one more caller.
	We had someone that someone donated in, too, for it.
	7090, you're up.
	7090, you are up.
	Hello?
	Yo, bro.
	Yo, bro.
	Hey, sorry, it's me again.
	So I just want to see, like, I just want to get, like, a few pointers and get me in the right direction.
	So currently, right now, I'm in an electrician field.
	I'm working currently 56 hours a week for 10 hours Monday to Thursday and 8 hours Friday to Saturday.
	So I find myself having a little bit of time, but not really.
	I do, I'm a dealer's rep, so I buy, I sell cash cars, but it's super slow right now.
	I'm not making any money off of that.
	So I'm trying to get, you know, into something else.
	Is there any, like, with the small amount of, like, free time I have, would y'all suggest I should, like, kind of do?
	Why don't you just work more hours as an electrician, bro?
	Sorry, say again?
	Why not just work more hours as an electrician?
	It's your trade.
	You're good at it.
	You make money doing it.
	So, I mean, it's pretty much like a set schedule.
	I can't just go in there and ask my super...
	Oh, one more time.
	You know what I mean?
	It's a set schedule.
	You can't work more hours, though?
	You can't ask them, hey, I want to work more hours?
	So, it's kind of hard to explain, but right now I work in a database center, so it's a very secure...
	It's a very secured building where we're working at, so I mean, yeah, I can't even work more than the security is supposed to be there, you know what I mean?
	Alright, can you pick up other positions?
	Like, obviously you have a very highly sought-after trait, like you can't pick up other jobs?
	Other job as in, like, working, like, getting, like, side jobs as an electrician?
	No, no, no, no, no, like being an electrician for someone else.
	Well, I'm still an apprentice.
	I'm still learning.
	I'm not really, you know, like...
	Okay, how much longer until you're a journeyman?
	Two years.
	Oh.
	Okay, so that limits you.
	Okay, now it makes sense.
	Okay, so you have to work under that data.
	Basically, you have to work under your super and work under that data company.
	Yeah, and those set time hours, yep.
	Alright, and you want to make some...
	Bro, I would say, dude, drive Uber, bro.
	Like, that's honestly...
	It's flexible?
	I'm sorry.
	It's flexible?
	You can put in as many hours as you want?
	So I'm the guy with the Toyota, right?
	Yeah, I know, I know.
	So I can't really do Uber.
	Well, you're going to downsize, remember?
	I also need to get...
	Sorry?
	You said you were going to downsize, remember?
	Get that Camry, man.
	Get that Camry, nigga.
	Get Camry, nigga.
	It's time.
	I need money.
	On Niganomics.
	Nigga, that gives you money.
	That gives you money.
	Listen, this is...
	No, yeah, no.
	Listen, call her.
	Call her.
	This is Niganomics 101. You get the Camry, drive to Will's Falloff on Uber, stack your cash up while you do your job.
	Yeah, does Uber actually pay that well?
	Because with being an Uber, you must have, you know, insurance.
	You must have, you know, all that stuff.
	But here's the good part.
	You have it on your car anyway.
	Like, obviously money at a higher tier for Uber, but like, it's still, you're going to make money.
	Obviously, though, to be honest with you, you're going to wear and tear on your car.
	It's going to happen.
	It's going to happen regardless, but more so with Uber.
	However, you're going to make money with surges.
	I think, well, back in my day when I did Uber, that surges were like, it was 5X, 2X, 3X, the amount of money, depending on time of year, holidays.
	Nowadays, I don't know the exact surge numbers or if that even is still a thing, but I do believe there's some things you can do, like go close to airports, go close to colleges, and there's always traffic there for you to drive whenever it's weekends or weekdays.
	But again, it's just a recommendation that we know works really well.
	Yeah.
	Now, Yeah, I mean, so, yeah, I'll try, I'll look into that more, because I do need to do, I do need to put insurance into my truck, which is, I mean, it's a 2021 Toyota, so.
	Wait, you been driving all the time without insurance?
	You got no insurance, bro?
	Uh, hey, nigga time, man, nigga time.
	What the fuck?
	How funny.
	Nigga, are you, are you in Florida?
	No, I'm in Texas.
	Thank God, bro.
	Yo, dog.
	That's the issue in Florida, man.
	Nobody else has insurance.
	Yo, that's crazy, bro.
	How does that fare in Texas?
	Niggas are going to work with new insurance.
	Bro.
	Back and forth.
	What the fuck?
	No wonder he didn't want to...
	Bro, get insurance, man.
	The fuck is wrong with you?
	You got a real job that you don't want to fucking lose your apprenticeship, man.
	Are you retarded?
	Niggas complaining about insurance with Uber.
	Nigga, you don't have insurance at all.
	What the fuck you doing?
	Like, no wonder.
	Bro, your priorities are all fucked up, man.
	That's like $300 off a month, man.
	I mean, hey man.
	Yo, hold on.
	You know what's the worst part?
	Yo, how much money a year do you make as an electrician?
	So currently, right now, with this new company I moved into, I'm bringing in $4,200 a month.
	Okay.
	And where do you live in Texas?
	Dallas.
	Do you actually live in the city of Dallas, or do you live in like one of the metropolitan area, Dallas-Fort Worth?
	Uh, no, just like in PG, people know.
	Like in the, you know, rural.
	Well, not rural, but, you know.
	Okay, how much is your rent and mortgage and shit?
	Or rent or mortgage, or do you live with your family?
	I live with my dad.
	I give him $500 a month.
	Bruh.
	Nigga!
	Bro!
	Why the fuck are you being a cheapskate?
	Get the insurance!
	Alright, man.
	I'll get it.
	I'll get it.
	Yo, yo, like, yo, no, no, no, I'm serious.
	Bro, you're driving around without insurance.
	Like, are you fucking crazy?
	If you get an accident, you're cooked, and you got, like, a real job.
	You're cooked.
	The fuck is wrong with you?
	You have, like, an actual career that can make you $100,000 plus a year.
	Why are you risking it doing dumb shit like that living in Texas where you drive everywhere?
	Nigga time, man.
	I'm telling you, but...
	Well, guess what?
	Look, this is what you're gonna do, bro.
	Tomorrow, you're gonna call a fucking insurance company, and you're gonna get insurance on that vehicle.
	Then, you're gonna go ahead and also downgrade that fucking car.
	Then, you're gonna drive Uber, make some money on the side with the fucking insurance that you got, by the way.
	Okay?
	And you're gonna make some extra money on the side.
	And then you're not gonna stop.
	You're gonna stop being a fucking idiot.
	You wanna pay $800 for a fucking truck, but you wanna pay for fucking insurance on the car.
	Are you serious?
	What's wrong with you?
	How old are you?
	I'm 24. Fucking retard!
	You could ruin your life already.
	For no reason.
	So you could drive around in a nice truck, $800, you want to buy the truck, but you don't want to get fucking insured, so you're retarded?
	You literally have a license being an electrician, bro.
	You're an apprentice.
	You can't fuck up right now.
	They could get rid of you for anything.
	And this is a career that's going to make you $100,000 plus a year.
	If you stick it out and become a journeyman.
	Don't be a fucking idiot, dude.
	Yeah, I'll get on my dad's insurance.
	That's even cheaper.
	Get on your fucking dad's insurance.
	You're only paying $500 a month.
	You don't have that much overhead.
	Be more responsible with your money.
	Get rid of the fucking truck.
	Downsize to a Camry and drive a Uber on the side.
	Simple.
	Do it for a year or two until you become a fucking journeyman and you're making $100,000 a year, but you can't fuck it up at 24 years old doing dumb shit like this.
	Driving around without insurance in the state of Texas where you literally drive around everywhere because you live in a rural ass area.
	Are you fucking stupid?
	Nigga time.
	And then you...
	What are you gonna say when the troopers pull you over?
	Nigger time!
	DPS pulls you over.
	What the fuck's gonna happen?
	I'll tell you right now.
	They don't fucking play.
	I was a special agent.
	They gave me a fucking ticket.
	What the fuck are they gonna do with your dumb ass without a fucking insurance?
	Are you retarded?
	No time.
	You meet Jill, nigga.
	Yeah.
	Nigger time!
	How do you please?
	Nigga time!
	Yeah.
	Come on, man!
	Yeah, yeah.
	Alright.
	Yeah, yeah.
	No, you're right.
	Get on your dad's insurance tomorrow.
	I'll get on it.
	Downsize the fucking car.
	Drive Uber until you figure something else that you want to do.
	It'll make you some money right now, nice and quick.
	Then you can figure something else out on the side that you want to do.
	So it's the jail time.
	Yeah, it's gonna be jail time.
	Soon.
	God damn, bro.
	Priority's all fucked up.
	Alright, man.
	You know what you gotta do.
	You know what you gotta do.
	And I'm yelling at you because I don't want you to fucking ruin your life.
	24 years old, you got a fucking hundred grand job that you're sitting at and they can get rid of you for anything.
	I'll get to it.
	Thanks, guys.
	Appreciate it.
	Alright, man.
	Don't fuck up your future, bro.
	You got a bright one.
	Don't be a dumb fuck.
	Holy shit, man.
	Alright.
	You know he don't get insurance.
	No, he better get the insurance.
	He ain't getting insurance, bro.
	You better get the fucking insurance, nigga.
	First of all, the first is doubting you, bro.
	You better get the insurance, bro.
	He ain't getting shit.
	No, this nigga's a Mexican.
	You Mexican, right?
	Oh, you're gone?
	Yeah, that's even worse.
	It's a Jorge, nigga.
	I can tell.
	Javier!
	Um, okay.
	We got some chats?
	Someone, there's a trooper in here.
	He says, as a trooper, I'd give this man the fucking ticket.
	Give me daddy.
	Yeah, we got some troopers watching the show right now.
	Nigga said that we'd give you a fucking ticket, nigga.
	Wait, what car did you drive again?
	Not true.
	Oh, man.
	Nigga's excuse was nigga time.
	Shit.
	Bro, what the fuck is wrong with people?
	Neeliman!
	Hey, FNF and the crew.
	Much appreciation toward you guys and good you do.
	Start my new job tomorrow on track to slowly become someone to be able to meet you guys one day.
	Enjoy your night, everyone.
	We'll watch a little bit of the show.
	Just hitting the gym to lose this fat.
	Shout out to you, bro.
	Good, good, good, Neeliman.
	And guys, once again, all you Castle Club niggas, get in Castle Club Premium.
	Get access for free to DMs on demand and then get in Castle Club Premium where we give you guys a bunch of fucking value over there, man.
	I had a question.
	Why don't you guys signing up?
	We're only running the offer for this week.
	For Castle Club members, I'm thinking because I'm doing this daily gym vlog life.
	I want to put on Castle Club for you guys.
	Let me know if you guys want that.
	I'll post at Castle Club only.
	I'll show you guys my start of my day, what I do with Hero, pause, and then what I do at the gym, who I meet, who I talk to, networking, all that stuff, and now I end my day with a shorty or some good food.
	But yeah, I'll post it on Castle Club if you guys want my vlogs from now on with my lifestyle, with the gym.
	If you guys want, let me know in the chat.
	If not...
	Yeah, because these niggas probably won't be as weird and DM the girls and do all the other weird shit.
	Like from the vlogs.
	I wouldn't wait to post the girls.
	Maybe.
	It was funny.
	Mr. Organic is doing his thing with the girls.
	The videos.
	I already know niggas on their asses, bro.
	I already know.
	Niggas like, who's your mom?
	Who's your dad?
	Mudshark.
	That shit's weird, bro.
	Who does that, dude?
	That's his...
	Anyhow, guys let me know.
	I'll put it on Castle Club for you guys.
	Yeah, but I am inspired from you guys doing the Transmission Challenge.
	You guys killed it, man.
	I showed everyone at 1, 1, 8, Chest, Packer.
	Chest 8. Chest 8, Packer.
	Sorry, Trucker.
	And all the rest of the guys.
	Hey Manifresh, can you interview this brother?
	He has an Uber driving who shows you how to make $2,000 a week driving.
	Sometimes y'all tell us to drive Uber and having this guy would be perfect to show us how to make some good money doing it.
	Alright, we'll look for...
	Alright, we could research him and look at some other people maybe.
	That'd be cool.
	Look guys, we're very selective on who we bring on here, man.
	We can't just bring anybody.
	Yo, Fresh, the networking call with the Castle Club Premium members this past Thursday was fire.
	Completely worth the value of the monthly membership.
	Shout out to you.
	And yeah, because you went through with the car with him, line by line.
	Yeah.
	Thank you for your wisdom.
	Guidance and sharing from so many personal experiences.
	Oh, and the tips for purchasing my Porsche Macan.
	Shout out to you, bro.
	Yeah, I started on Hollywood Network with Chris from Rumble and what it took to really talk to a billionaire, meet them, connect with them.
	And yeah, a lot of value in there, man.
	Boom.
	All right.
	Who's up next?
	Huge W for Mo.
	All right, Machaka Boss.
	Oh, okay.
	It's a minute since you guys done a real estate pod.
	Mind doing a refresh for everyone.
	Also, are there any credible real estate investment courses that you fellas would recommend?
	We might release our own, bro, to be honest with you, man.
	Because I'd be looking at these niggas.
	I'd be like, y'all are trash.
	We'll put it on premium.
	You know what?
	Maybe we'll make one and put it on premium for you guys.
	I think that's the move.
	Dude, just...
	No, fuck that.
	Call on premium.
	We'll do a call with you and go line by line through your actual deals, through any questions you guys have in real time.
	Yeah, maybe I'll do a presentation and it'll just be there for you guys.
	There you go.
	And I'll do one line by line.
	And I'll show you...
	I'll actually...
	I'll show you guys some of my properties.
	I'll show all.
	I don't know about that one, bro.
	Niggas already doxxed me anyway.
	Okay, buddy.
	Niggas already doxxed me anyway.
	Fucking losers.
	WFNF, that's for Fresh Updates.
	Appreciate that.
	What's up, FNF? Kind of new to this Bitcoin stuff.
	Been doing it for about two months.
	Is it smart for me to have multiple wallets or should I just invest all into one?
	Well, we did episodes on this.
	Are you a premium, Supra?
	We're going to have Charlie and Miguel.
	When's the next time they're on?
	I gotta check the schedule, but I think for the month they're done, they'll probably be here just the first weekend of December.
	Okay.
	Bro, get in Premium, bro, because they can answer that.
	But yeah, Cold Storage Wallace is the way to go, according to them.
	Cool.
	Who's up next?
	I think Treasure is the one they recommend.
	Urban Grim.
	Is cybersecurity a good field to get into?
	Yes.
	Of course, bro.
	Yes.
	It's heavily demanded, too.
	Good afternoon, fellas.
	My father is an owner-operator, and his truck got totaled in a Union Pacific container yard by one of the workers there.
	He didn't get injured, but was out of work due to this.
	Is it liable for suing for the time not being work, waiting for the insurance?
	If so, what type of lawyers need it?
	Thank you.
	Hell yeah, bro.
	Yeah, you could sue.
	That is probably going to be...
	Man, I mean, there's so many different lawyers...
	Basically what happens is...
	Probably a labor attorney of some kind.
	Typically the company covers your daily expenses while you wait for the settlement.
	So yeah, I would hit the insurance company or the company itself to get, you know, that's sorted because if you can't work, bro, that's not his fault.
	Probably a labor attorney.
	That's what you're going to want.
	Yeah.
	Myron and Fresh, you guys helped me out a lot.
	Now I have a successful car wrapping business over here in Fort Lauderdale.
	I want to return a favor to y'all soon.
	I'll wrap the Honda.
	Any color for free and have it looking brand new.
	I got you too, Fresh.
	Really?
	I appreciate that, Demetrius Raps.
	Yo!
	Hold on, dude.
	I'll just keep it regular.
	Color, bro.
	Nigga, free wrap.
	Nigga, I'll take that shit, nigga.
	That's like 4K. The fuck?
	Of course, Fresh.
	Want to be a nigga, man?
	Nigga time.
	Yeah, Fresh could do it.
	Nigga time.
	Greg says, shout out, crew.
	Fans since 2020. Myron, please read email regarding startup.
	I'm confounding with Ben FFNF. Thank you guys for all you do.
	This guy sent an email.
	Greg, get a premium, bro, and then we can talk about that.
	Stuff like that, man.
	That's for our premium, guys.
	I recently came into an inheritance of high six figures, which is substantially higher than my yearly income.
	Just wondering what the best step forward would be to capitalize.
	Well, I need to know how much money you get and how it's going to be given to you, bro.
	Then we can figure that out and where you live and shit like that.
	So, you know, I need a lot more information than just you inheriting a bunch of money.
	And how you're going to get it, how it's going to be allotted to you.
	I have so many questions.
	Yeah.
	Get a premium, bro, so we can have these fucking discussions.
	Like, guys, like, you know, get a couch club, get a premium, so we can have these talks.
	I don't know why you didn't call into the show.
	It would have been better.
	It would have been better if you called into the show.
	But it's fine.
	We got an actual show now coming up, FNF News.
	Yeah, are we caught up with mostly everybody?
	Alright, guys.
	I hope you guys enjoyed the show.
	Again, one more time.
	Black Friday sale going on this week only.
	Link below.
	Okay?
	Up until Friday.
	The way it goes is this.
	If you're a Cast Club member for free, right?
	No problem.
	Go ahead.
	Get an annual membership and get DMs on demand together.
	Bundled for $620.
	The regular price is $697.
	Get at a fucking crazy discount.
	Now, if you're a Castle Club member, this is where the magic begins.
	You go ahead and upgrade to premium for $65 and you get DMs on demand pretty much for free alongside it.
	And all the other value that comes with Castle Club premium.
	So you're able to get DMs on demand for only $65 if you're a Castle Club member.
	Huge discount.
	Then if you're a Castle Club premium member already, no worries.
	You get the course absolutely free, and it's already there for you.
	And we're doing live Zoom calls for the course two weeks later for any questions you guys may have.
	And as well, what is the course?
	Our number one dating course for getting girls, networking, and having access to girls around the world, no matter where you are, from your phone.
	It is amazing work.
	A lot of people have taken this course and did their own thing.
	Casey Redbear has done his own thing.
	Other people as well.
	So it's the mothership, fathership of everything through Instagram and dating.
	We got you guys, man, for everything.
	As well as the value for networking as well.
	A lot of people's Instagram courses are basically a rip-off of ours.
	So come get it from the original niggas, bro.
	Because we're the first dating coaches to really push Instagram heavy into the mainstream media.
	Like, a lot of other guys were talking about using Tinder, Bumble.
	That's cool and all.
	But we were the first ones to really, like, pioneer using IG. So, guys, get it from the originators, man.
	I like being humble, but, dude, there's no one that does it like me.
	Nobody.
	Just saying.
	Yeah, look at him, man.
	This nigga ugly.
	How do you guys think he gets gross?
	If I could do this shit...
	On replay, day by day, this niggas has seen me in real time.
	Built up an Instagram to a million plus followers.
	Bro, you can do this too.
	Yeah.
	I'm not special.
	I built up my platform to 500k before I got fucking banned.
	He had like 1.2.
	We're building our Instagrams back up again from scratch.
	We just made them again.
	Yeah.
	Despite getting banned, already got pretty big followings on both accounts.
	MyronGainesX and then CEO of Fresh Lifestyle.
	Fresh Lifestyle.
	Hopefully we got our shits back.
	Hopefully.
	Yeah, working again.
	I'm back.
	Yeah, hopefully.
	So guys, yeah, man.
	Talk to the fucking originators, man.
	And you get it for a fucking huge discount, man.
	And we show you from A to Z how to set up Instagram, how to DM the girl, how to FaceTime, how to actually use a FaceTime to a date, and then how to close when you're ready.
	Actually, we got another segment we didn't add to them, First Date Blueprint, but we'll cover that more.
	And y'all, you're saying, how do you access DMs on demand?
	It is on Castle Club Premium right now.
	Link down below, guys.
	So, join Castle Club Premium, and it's already there for you guys.
	So, if you guys remember Castle Club, join Castle Club Premium.
	It's there as soon as you sign in.
	If you're already a member of Castle Club, congratulations.
	You get it for free.
	If you're not a Castle Club member, you're one of these broke-y niggas that waited all this time, that's fine.
	You get Castle Club, and you get, for a year, by the way, and DMs on demand together for $620.
	Real quick, this guy says, because it's what the money does.
	No, you...
	No, you smart one.
	I did this before when I was broke.
	Actually, before I met Mario, I was doing this shit.
	That's when he was like, oh, this nigga's on point.
	Because I did this shit, like, daily.
	Two to three girls a day from Instagram.
	Yeah, when I met him, he was going out with three or four girls a day, bro.
	It's a fucking problem.
	I didn't have nearly a bunch of money as I have now.
	It was way less.
	So, working at, you know, tech companies.
	So, it was like, bro.
	You know, it's funny.
	The last caller that was roasting me was like, oh, bro, your last caller was at Chick-fil-A. No, it was not.
	So, but it's fine.
	Whatever.
	Alright, cool.
	We're going to be back with the news.
	Probably going to start...
	Bills, can you give us the time?
	1110?
	1115. Cool.
	Alright, 1115, we'll be back with the news for you guys.
	Peace.
	Peace.
	I ran, I ran so far away.

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