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Dec. 2, 2024 - Fresh & Fit

01:53:38

Money Monday Call-In Show

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	Thank you.
	What's up, guys?
	Welcome to Fresh Your Podcast, man.
	It is Money Monday.
	Call and show.
	Let's get into it.
	Let's go.
	What's up, guys?
	Welcome to the Fresh Fit Podcast, man.
	It is Monday.
	We are giving you guys our new segment here, Money Monday's call-in show, where we go ahead and, you know, kind of take the Dave Ramsey approach, a.k.a.
	the nigga Ramsey approach, and answer your guys' questions live on air when it comes to starting a business, taxes, making money, entrepreneurship.
	If you want to become a consecuator, we answer all kinds of questions.
	Especially when it comes to like real estate and credit score stuff.
	That's like one of our main specialties.
	We're helping you guys out.
	How many of you guys increase your credit scores from, you know, four, five, six hundreds into the seven hundreds and beyond.
	Help you guys qualify, get your first real estate property, et cetera.
	Index funds.
	We cover all that stuff.
	Crypto.
	Actually, if you guys have bought crypto, let me tell you guys, last time with Charlie and Miguel, you'd be up now like a ton of money.
	So, Ethereum, Bitcoin went way up.
	So, there you go.
	Yeah, almost $100,000 on Bitcoin, man.
	So, we are definitely, it's good times, man, to be in crypto for sure.
	And we had a call yesterday, actually, with Charlie and Miguel on CC Premium, Casco Premium.
	Guys, I don't know if you know this, but certain coins that you buy that are altcoins are going way up right now.
	So if you know what to buy right now, especially with the current marketplace, you're going to have a hell of money in the market with altcoins.
	Which is basically the meme coins, basically.
	Yeah.
	So, yeah, man.
	Phone lines are open, guys.
	Number to call into the show is 505-605-9740.
	We'll put that number up on screen right now.
	But the number is 515-605-9740.
	That's the number we've had for damn near four years now every time we do a call-in show, guys.
	So it's right there, bottom center.
	Right there, as you guys can see, 505-605-9740.
	Call into the show.
	If...
	You want to cut the line, go ahead and donate whether you're watching on YouTube, FNFSuperChat.com, Rumble, Rumble Rant It In, or if you're watching on Castle Club, you can go ahead and just donate via Castle Club.
	There's a tip button there.
	But FNFSuperChat is probably the easiest way for a lot of you guys.
	That's the website.
	Just go there, put in your question, or actually put the last four digits of your phone number.
	And then call into the show and then we'll get you and Mo is basically working behind the scenes where he's screening every call, seeing every phone number, getting you guys on the line.
	You know what's crazy?
	People used to call out phone numbers saying, yo, is this your number, Fresh or Myron?
	I'm like, bro, it's not our numbers.
	It's a call-a-number, bro.
	Yeah, it's a call-a-number, bro.
	Yeah, so that's how we do it, guys.
	It's for you guys to kind of get in here.
	Do we have any chats or do we go right to the full nights?
	Phone lines?
	Alright, let's go ahead and hit the phone lines and get the first caller in.
	Oh, by the way, we're going to give you guys an after-hour show tonight with some girls.
	We only gave y'all last week like one, so we were like, you know what, we'll give you guys another one this week.
	So I think Bum Chris is showing up later.
	You can call this a Cyber Monday special for after-hours.
	How about that?
	Yeah, so yeah, man.
	Who's up first?
	Oh, by the way, real quick, we added a feature for Cast Club Premium.
	I've got to tell you this.
	We made for you guys a Telegram chat.
	Now you're probably wondering, oh, Telegram is free!
	Guys, when it comes to talking to us, especially like daily, hit us up.
	In the chat as well.
	Whenever we're available, we'll respond.
	And of course, all the members are in there talking back and forth about crypto, what's going on in the news, all the fun stuff.
	So guys, if you're part of Premium, there should be an actual link or an automatic insertion of you in the new chat for Telegram.
	Just type into that as well.
	First caller?
	Yeah, cool Nine six six seven you're up nine six set nine six six 9667, you are up.
	9667. Hi.
	Hi.
	Can you guys hear me?
	Yeah, we got you, bro.
	All right.
	My name is Handler.
	I am 20 years old, and I currently work part-time, entering approximately $1,200 per month.
	Unfortunately, I encountered an issue with my previous banking institution, which, due to a series of circumstances, has led to...
	My permanent irrevocable expulsion from the bank.
	As a result, I find myself now in need of a new banking institution, and I'm uncertain of where I should turn next.
	What guidance or recommendations could you guys offer regarding reputable banking institutions that might be suitable for my current situation?
	Okay, so here's the thing when it comes to banks, bro.
	They're all pretty much the same.
	Whether it's Bank of America, Chase, TD, they're all fairly similar when it comes to the offers that they give you, the interest rates that they give you, the benefits, partners, all this other shit.
	I look at banks a lot of the times as just a place to store your money where it's liquid and also where you can use it to deploy into real assets.
	So I wouldn't fret too much about where you put your bank.
	Now what I will say is if you got a credit union around you, a credit union tends to be a bit better because if you go ahead and get a loan through a credit union, they'll give you a way better deal than other places.
	Uh, caller, real quick.
	Don't tell me that you did that money glitch with Chase.
	Is that what you did?
	No, no, no.
	Funny enough, it was actually with Chase that I got banned with, but no, it was totally different from that.
	It didn't have to do that.
	Yeah, I mean, bro, it's not the end of the world.
	Getting debanked from one of these major banks, it doesn't really matter because, again, they don't offer value where it would hurt you to not be there anymore.
	So I would say if you're a veteran, Navy Credit Union is pretty good if you're in the military.
	But yeah, bro.
	Honestly, dude, like, it's not that big a deal.
	Because these banks are strictly there for you to hold your money, deploy it to, you know, have it liquid and or deploy it to a real asset.
	But I would say look at credit unions.
	Credit unions do pretty good when it comes to giving you loans or everything else like that.
	Because they typically, since they're smaller and they don't have the same level of business, for them to draw in customers, they typically almost always give better rates when it comes to loans and offers and opportunities, etc.
	Like we have here in Florida, Navy Federal.
	That's a good one, too.
	I don't know where you're at, but just type into Google.
	Cardians are on you.
	Pretty much.
	Got you.
	Got you.
	Also, I've been contemplating the pursuit of a side endeavor.
	In the past, I dabbled in sports betting.
	However...
	The inherent unpredictability and inconsistency associated with it eventually led me to step away.
	And I'm now considering delving into the stock market.
	I'm honestly still in my formative stages, and I would greatly appreciate any insights or recommendations you guys might have, or if you guys could redirect me to an expert that's more well-versed in the intricacies.
	Don't gamble, bro.
	Don't gamble.
	You don't make...
	Number one, it's not worth it.
	Number two, it's a terrible...
	I'm in the hard way, man.
	Yeah.
	Yeah, that might be the reason why I got in trouble and got debanked.
	But yeah, bro.
	Gambling is absolutely a cancer on your life, bro.
	You know, Scary Caller, I was actually at Hard Rock at 2 a.m.
	I don't know why I was there.
	I shouldn't have been there.
	And I saw people gambling their life savings away.
	This guy...
	Yo, I kid you not, bro.
	It was like hell on earth.
	People that are drunk...
	Out of shape, literally throwing the money away, and I'm like, bro, this is what people do at 2 in the morning?
	This is crazy.
	So don't do it, bro.
	Yeah, man.
	You have the wherewithal to understand that it's not good.
	So, yeah, bro, just give it up.
	Stop gambling, and get your life on track, and you'll be all right.
	Yeah.
	All right, man.
	If it's okay for me to ask one more question?
	Bro, you asked two right there.
	Come on, man.
	Alright, alright.
	You're good, you're good.
	Also, you're playing the video back in your PC. We can hear it, so it's like...
	But thank you though, bro.
	Alright.
	Cool.
	Who's next?
	We have...
	That was so wild, bro.
	Seeing people gamble that late at night.
	Intoxicated.
	Cancer, bro.
	Gambling, alcohol and drugs are like the fucking evil, man.
	Who's up next?
	6-0-1-6, you are up.
	6-0-1-6, you are up.
	6-0-1-6.
	You guys hear me?
	Yep.
	We got you, bro.
	Yeah.
	Hey, guys.
	First of all, I'd like to thank you guys for everything that you guys do and everything with you guys' show and everything like that without you guys.
	It would be where I am at today, but I do have a question about the debt thing.
	So, like, with just student loans alone, I have $5,600 in student loans debt, and I'm trying to figure out if it's just either to pay it all off at once or more of, like, pay it monthly by payments or anything like that.
	Wait, $5,600 or $56,000?
	$5,600.
	Okay.
	That's not bad.
	That's not bad.
	Yeah, bro.
	I mean, where'd you get the loan from?
	Did you get it from like a private bank or federal?
	I'm trying to remember because it happened, it was six years ago.
	I don't know if it was actually from...
	What's the interest rate?
	What's federal because it's subsidized and it's subsidized and it's subsidized at a loan.
	All right.
	What's the interest rate?
	Do you remember?
	What was that?
	I couldn't hear you.
	Say it again.
	What's the interest rate?
	I believe it was 30% I think.
	30%?
	It's kind of high bro.
	That's like a credit card and there's no way a student loan interest rate would be that high.
	That's insane.
	Let me double check.
	No, I think it was the 5 or 6%.
	That makes sense.
	That makes sense.
	Yeah bro, just pay it off.
	Just pay it off all one shot bro.
	5600 is that much money.
	Just pay it off.
	Is that your only debt?
	I got my car, but I'm able to make the monthly payments on that easily, but it's more of the student loans I want to get out of the way.
	Just pay it off in full because here's the thing.
	If you want to go ahead and pay 10 years and take your time, what ends up happening is you're going to pay more in interest than you borrowed in the first place.
	Yeah, also people forget the clarity that you have mentally when you pay a debt off.
	Like, it's a legit booster in confidence, progression, and as well, like, mindset.
	So, yeah, just pay it off, bro, at this point.
	Yeah, 5600 is 100% doable, bro.
	Yeah.
	Awesome, man.
	Perfect.
	Yeah, I was always worried about how that was when I was able to just get it started.
	Yeah, luckily for you, the good thing for you is that it's a student loan, so the interest rate is bearable.
	It's not going to destroy you.
	But at the same time, you don't want to fall into this thing where you pay for 10 years, 20 years, whatever it is.
	The repayment plan that they give you, which a lot of times this repayment plan that they give you, is set up where you're paying interest.
	You're not paying anything towards the actual principal.
	The amortization schedule is set up for you to fail so that you pay them a bunch of money.
	Then when you actually do the math and you look back at it, you've paid double, if not triple, what you originally borrowed in interest.
	That's what they're banking on.
	So don't give them that, bro.
	And $5,600 is not that expensive.
	You can absolutely knock that out.
	Right.
	Yeah, it was always just whether to do the monthly or just knock it out all at once.
	Knock it all at once, bro.
	Knock it all out at once.
	Because once you do that, then everything from that point forward is 100% profit, bro.
	I'll tell you this, bro.
	Some people got like 50k, 100k in debt.
	So, you know?
	I mean, 5600 is so low that you could probably even borrow that money.
	That's why I stopped going to school because I didn't want to do that.
	Bro, 5600 is so cheap that you could probably get somebody to do that.
	Raj tipped $50, 8,352.
	Shout out to you, Raj.
	Shout out to Raj.
	Yeah, bro.
	5600 is so low that you could probably get that from like a family member or something like that.
	And then they give it to you and you pay it off and then you just pay them back.
	And you don't got to worry about interest.
	But obviously don't be a piece of shit.
	Make sure you pay them back.
	You know what I mean?
	Within a timely fashion.
	Try to do it within a year.
	But yeah, bro.
	$5,600 is something that you can borrow from someone that you trust or that you know.
	And knock it out.
	And then just pay that person back.
	And now you don't got to deal with the interest.
	Perfect.
	Awesome.
	Thank you, man.
	That's all I needed.
	Looking for the rest of the show.
	Thank you, guys.
	Appreciate it.
	No worries, bro.
	Get it done.
	Alright, who's up next?
	Yeah, 5600 is completely doable.
	He could do that just from working a lot of overtime.
	Get that done in a few months.
	This is the one that donated $50.
	Raj, 8352, you're up.
	8352, you're up.
	What's up, Raj?
	Can you guys hear me?
	Yeah, we got you, bro.
	What's up?
	Oh, hey, man.
	First of all, man, I just want to say thank you for all that you guys do for us.
	My question is regarding my credit score.
	So right now I'm at a 746. The highest I ever had was a 780. And I guess all those credit pools that they did made it go lower.
	And the only debt I have is real estate.
	It's all real estate, no credit card, no consumer, no student loans, no car payments, none of that.
	Is there a way I can make that go like a little higher, maybe reach that 800?
	Alright, so two things.
	Number one, you need to get credit cards.
	You need to get credit cards.
	Because the only way that you're gonna boost your...
	Because here's the thing, you've basically handicapped yourself, right?
	So, if your only credit history is you with having home loans, well, you're not gonna pay the home loans down because if you're intelligent, you use leverage and you purchase a home with leverage, which I think me and you discussed before.
	So, obviously, paying the homes off is not gonna be in your best interest, right?
	Though it might shoot your credit score up, it's going to put you in a very bad spot when it comes to your actual return because you put all this cash into it for no reason.
	So what you need to do, bro, is you need to open up some credit cards.
	And when you open up the credit cards, you need to keep your utilization below 30%.
	Optimally, you want to have it under 10%.
	And then you want to have lots of lines of credit, and that's why it keeps your utilization low.
	And you also need to make your payments 100% on time.
	That's the biggest thing.
	The two biggest things when it comes to your credit score, guys...
	In the United States, and I think any other Western country that offers this, is utilization, keeping it under 30%, 10% preferably, and on-time payments, which means you always pay on time.
	Whether you put an automatic payment thing, whatever, you always pay on time.
	So your thing, bro, is if you want to go ahead and bring your credit score up, you need to open up some credit cards and do that.
	Because obviously the real estate and then all the inquiries that you've done over the past few years to acquire the real estate, because you use bank loans, digs your credit score.
	Next thing, don't get too hung up on credit score numbers, bro.
	Anything, what, 760, 770 above?
	Like, bro, it becomes vanity at that point.
	Like, you know, because once you get, all you need to do is get into the excellent range.
	And if I'm not mistaken, that's 760 and above.
	So, if you have 760 and above, bro, it doesn't matter.
	At that point, it's just about, oh, I got 800 credit score.
	It doesn't matter, dude.
	Just get into the excellent range and you're fine.
	That's what matters the most.
	Bro, I had 850 a couple years ago.
	It's just a flex, bro, but there's no benefit to it.
	Once you're past 760, it's an excellent score.
	It doesn't matter.
	So he's right.
	Yeah, you just need to get into the proper range that give you the benefits.
	Like, if you have a 770 credit score and someone has 800, honestly, you're going to be able to do all the same shit that person with 800 is doing.
	Exactly.
	You'll get very similar rates.
	You'll get very similar benefits.
	You'll get very similar opportunities.
	So don't get hung up so much on the number.
	Just work on getting into the excellent range, which in your case is going to be easy.
	Open up a couple of credit cards.
	Keep utilization low.
	Yes, you are going to get dinged because it's going to be hard inquiries, but you're going to show that by being on time with your payments.
	Okay, because right now I only have two.
	I have the Amex platinum, which I actually learned from you guys.
	Then you're good, bro.
	Just use that.
	Just use that and keep your utilization low.
	Yeah, that's the one I've been using for pretty much everything.
	So I have that one, which, like I said, I watched your credit card episodes, and then I have another one from my bank.
	So that's two already over there, but like I said, it's 746. I was just trying to, you know, bump those numbers up.
	Well, banks do want to see diversified types of, like, credit.
	So this is why I did this boosted as well.
	I got a car that I could pay off in full, but I paid it in installments just to make it a little bit higher, too.
	But you don't have to get a car.
	I'm just saying, like, you need diversified amounts of, like, credit lines where they can see this to make it higher.
	But honestly, bro...
	After a while, those hard cards are going to fall off.
	And remember, bro, your credit score changes week to week.
	So I'll tell you this.
	If you have a balance on any of those credit cards, just pay them down to zero and wait a week and watch your score shoot up a couple of points.
	Yeah.
	Okay.
	Yeah, I mean, like I said, there's really nothing on there, but...
	But Rog, you're in a good spot, bro.
	You're in a good spot.
	Yeah, Rog, yeah.
	You're in a good spot, bro.
	But yeah, just keep your utilization low, make on-time payments, and keep in mind, how long have you had these credit lines open for?
	For the credit cards?
	Yeah.
	So from my bank, it's been four years, and for the Amex Platinum, it's like two and a half.
	Yeah, so you're still new, bro.
	You don't have that much credit history.
	What is it?
	Three to five years is more like experience?
	They want you to have like damn near 20 to 30 for you to get the most benefit out of it, having an open credit line.
	So he's still a baby in a credit card game.
	Yeah.
	But yeah, bro, pay off any debts.
	Also, if you can, use one of these services that lets you look at your credit history.
	You might have some accounts that you forgot about that you didn't even realize are still open that you need to pay off.
	So check that, too.
	Do you have a recommendation?
	You could use any of them, bro.
	You can use...
	Credit Karma?
	I mean, you can use Credit Karma.
	I mean, if you got Amex, Amex will give you free access to your FECO score.
	A lot of them will give you...
	Capital One will give you access to your credit where you can look at all your open accounts.
	So I would take a look at that and make sure that you don't have anything there.
	Because people...
	Well, I'll give you an example.
	I remember I bought a watch years ago as a fucking teenager.
	Um, and I had like a credit line open with a jewelry store that I didn't even know I still had.
	Oh shit.
	Yeah.
	So, um, so shit like that can come back, right?
	Hospital bill, whatever.
	I mean, I don't think you have anything that crazy because your credit score is still high, but that's, since you're trying to like really max out here, um, I would say look at that and make sure you don't have any random lines open where you might have some debt on there.
	That will help you too.
	Got it, got it.
	Also, Raj, one more thing.
	You can also call the bank that you have a credit card with and increase your actual limit.
	Oh yeah, that's a big one.
	I'll boost up your score as well.
	Increase your credit card limit so your utilization doesn't go up.
	What's the limit on your card that you got now?
	10, 20, 30k?
	Probably less.
	5k?
	I think it's 10, but I only spend maybe $200 a month.
	I think it's 10k.
	Okay.
	Alright.
	Well, bring that up, bro, so that your utilization always stays low.
	Okay.
	Alright, man.
	Thank you, guys.
	Alright, man.
	No worries.
	See, once you get to that level, you have to start doing more and more invasive things to get your credit score up.
	Because once you pass a certain level, guys, you have to become more creative and really more diligent about getting your credit score up to an increase.
	They want to see you with a diversified lens of credit to see, okay, we can trust this guy with multiple things to boost his score up.
	So yeah, that's pretty much it.
	Alright, who's up next?
	He's in a good spot.
	Yeah, he's in a good spot, bro.
	We have...
	2230. You're up.
	2230. Ron Martinez said he had a good question in Castle Club.
	He said, can you increase your credit card limit?
	If it's a secured card, you can.
	You can.
	But when you got a secured credit card, guys, your goal is to switch it to unsecured as soon as you can.
	Yeah.
	That's your goal.
	It's just a segue.
	Yeah, bro.
	We tell you guys to get secured credit cards just to get yourself in the game, and then within a few months, you want to get off that secured credit card bullshit.
	Who's up next?
	2230. Yo, 2230. What's up?
	You're on the air.
	Yo, what up, Myron?
	It's the Chief.
	Oh, what's up, man?
	Chief, where are you calling in from?
	We should probably get where these guys are calling in from, too, right?
	All right, sure.
	Texas.
	Austin, Texas.
	All right, Texas.
	All right, what's up, bro?
	What's your question?
	Yeah, so I just got on the premium.
	I saw that there was a call-in for the crypto yesterday, but I couldn't find it.
	Is it on that app?
	So basically what they do, Chief, is that they'll post the actual link for the call in Discord or in Telegram.
	Okay, okay, okay.
	Yeah, but also...
	We're also going to post it on the...
	And we're going to post it in CC Premium as well.
	We're also recording in Premium, yeah.
	Okay, then.
	All right, sounds good.
	Oh, your last question for you, Myron?
	I don't know, I'm going to sound like a broken record, but...
	What's up with Tim Ballard, brother?
	You know what?
	Hold on one second.
	Our messaging is managed right now as we speak.
	Yeah, I'm very eager to hear that one, man.
	Chief, what are your thoughts on premium so far?
	What are your thoughts on it?
	To be honest, I haven't been able to...
	I got you, bro.
	All right.
	Just message the manager right now.
	Thanks for the reminder.
	Literally just texted him right now as we speak.
	Thanks for joining Premium, bro.
	We're happy to have you, and you're going to get a lot of value in there.
	You'll see.
	Sounds good, man.
	Alright, bro.
	Keep grinding.
	Alright, bro.
	It's interesting how a lot of our top guys, what are they doing?
	Are you guys in a premium?
	They're fucking working every single time.
	Yep.
	Not saying, oh, bro, I'm 20K in debt.
	Oh, shit, y'all find a way for me to get out of the debt.
	Oh, I ain't selling my rollie, though.
	Stupid.
	Alright, who's up next?
	This person said he's a hater.
	Sure.
	Let's hear it.
	6654, you're up.
	Go ahead, 6654. What's up, Hayter?
	Hey, can y'all hear me?
	What's up, man?
	Yeah, we got you.
	Alright, so I want to make a point here.
	I've been trying to tell y'all this for like six or seven months now.
	Altcoins are a scam, bro.
	It's like all cryptos are not the same.
	Like you guys keep conflating Bitcoin with all these altcoins and they're all scams.
	Here's the thing.
	Let me make this point real quick.
	Altcoins are a scam because, first of all, they have no utility.
	Bitcoin has real-world utility.
	And second of all, with altcoins, the likeliness of you getting into these altcoins at the lows and cashing out at the top is so low.
	Like, look at the charts.
	Look at- Alright, caller, caller, caller.
	Caller, hold on.
	Hold on one second.
	Bro.
	Every single time we talk about cryptocurrency on this show, and people here are my fucking witness.
	What do we say?
	I've always said this.
	Look.
	We focus on Ethereum and Bitcoin.
	That's it.
	That's what we purchase.
	Ethereum is a scam.
	Ethereum is a scam.
	Ethereum is not Bitcoin.
	They're not the same.
	Bro, we understand this.
	Ethereum is a scam, brother.
	Bro, hold on, hold on, hold on.
	Look at the BTC ratio.
	Why did BlackRock just buy a bunch of Ethereum?
	Do you know why?
	Huh?
	BlackRock just bought a bunch of Ethereum.
	Do you know why?
	I don't care what BlackRock does, bro.
	This is about...
	Nigga, who are you?
	Bro, bro, who are you?
	Just all these private equity firms.
	It doesn't matter, bro.
	Like, they don't control the market.
	They do.
	They don't control the market, bro.
	That's like, what's his name?
	Warren Buffett buying a stock.
	Like, you want to get his picks.
	He doesn't control the market either, bro.
	The market has a mind of its own.
	He has a team that...
	Bro, okay, hold on.
	Look, bro.
	Look, man.
	Look, dude, look.
	We've been very adamant about this.
	You guys aren't listening to what I'm saying.
	We are.
	We heard you.
	You don't like Ethereum.
	Okay.
	Ethereum doesn't.
	Great.
	You think Ethereum is a scam.
	That's fine.
	A lot of people would disagree with you on that.
	I would argue most of the crypto community would disagree with you on that.
	We've been big advocates.
	I want you to pull up the ETH BTC ratio.
	I want you to look up the ETH pair to BTC and look at the chart.
	It's done nothing but go down this whole cycle people that are buying a theorem are losing out on games versus Bitcoin They're losing money and you guys are telling people to buy these coins You have no idea what you're talking about, bro.
	Listen.
	I've been in Bitcoin since it was $200 a coin Like I know what I'm talking about.
	I'm more than qualified to speak on this stuff Are you more than qualified to speak on it then Charlie and Miguel?
	Yes, absolutely.
	No, you're not, nigga.
	They got more money than you.
	Shut up.
	Like, no, you're not.
	You're actually not.
	I made millions of dollars, brother.
	Yeah.
	Like, I'm just on Bitcoin.
	Like, I haven't ever touched Ethereum or any of these scam altcoins because they're all...
	You're going to lose money on them.
	Okay, bro.
	If it's such a scam...
	If Ethereum is such a scam, they would have never released an ETF in a fucking...
	Oh, my God.
	- Bro, the SEC doesn't know what they're doing. - ETF on it, yeah. - The SEC cannot regulate these markets.
	The SEC cannot regulate crypto in any way, shape, or form.
	They can make an ETF for Any coin.
	Daddy coin.
	They can make an ETF for whatever they want.
	Yeah, but only Bitcoin right now.
	Bitcoin and Ethereum got pushed through, so that tells you that there's a future for it, bro.
	Look, man.
	Look, you don't have to like Ethereum, bro, but it's been going up.
	I literally bought it two, three years ago, and it's like double what it is now.
	So you can say whatever you want to say.
	I don't like Ethereum.
	It's a scam, etc.
	Fine.
	But the fact of the matter is, bro, it's been going up, and if people bought it early on, it's up now.
	So, you can say whatever you want, dude.
	You clearly have an agenda where you dislike Ethereum and alternative coins.
	And here's the thing, too.
	Bro, bro, shut up!
	Shut up!
	You're calling into my show.
	Shut up!
	Shut the fuck up when I'm talking.
	Alright?
	You're here as a fucking guest.
	Alright?
	Let me be very explicit about this.
	We tell people all the time, get into Bitcoin and Ethereum.
	Then we bring Charlie and Miguel on.
	They also advocate that.
	Then, people always ask, what's your thoughts on XRP? What's your thoughts on this?
	Solana.
	Polkadot, whatever.
	Then Charlie and Miguel answer questions on that, right?
	They also say, oh, well, what do you invest in, Charlie and Miguel?
	Miguel will talk about Hex and everything else like that.
	But they always say, You know, be careful and get the coins that are the most stable, which they always say, Bitcoin, Ethereum.
	Now, your issue is, you don't like Ethereum.
	Fine, bro.
	Cool.
	You don't have to like Ethereum.
	But the fact of the matter is, if people buy Ethereum, when we said to buy Ethereum, everybody would be double to triple their money.
	We've been advocating for Ethereum since like 2020 fucking one, telling people to get it.
	So, bro, just because you don't like it, doesn't mean that people can't make money doing it.
	Because you clearly have some kind of bias here, which is fine.
	But, with all due respect, we don't give a fuck about your opinion, bro.
	That's where you're wrong.
	I don't have a bias.
	That's where you're wrong, Mario.
	Okay, bro.
	Bro, how about this?
	How about this?
	Go ahead and make your own YouTube channel and talk about Bitcoin all day.
	There you go.
	Alright?
	I trust Charlie Miguel's opinion.
	I trust Charlie Miguel's opinion way more than yours.
	You're a random nigga on the internet calling in.
	I trust Charlie Miguel way more than you, bro.
	So we're gonna move on to the next person.
	That's fine, but if you look at the ETH BTC chart, it's been doing nothing but going down.
	All the money that you put into Ethereum, You would have made more money if you had just allocated that into Bitcoin.
	Like, you're literally losing out on gains.
	Okay!
	You like Bitcoin more than Ethereum?
	Great, bro!
	Great!
	But if you get nominated in Bitcoin, it's been going down.
	Great!
	You like Ethereum?
	You like Bitcoin more than Ethereum, bro?
	Okay!
	Cool!
	No problem.
	No, it's not about what I like, brother.
	It's about the chart.
	It's about what is reality and what is not reality.
	Brother, like Myron said, go make your channel.
	Talk about it all day.
	We'll give you the props, bro.
	Shout out to you, man.
	You don't like Ethereum?
	Fine.
	You think it's a scam?
	Fine, bro.
	There's people that made millions upon millions.
	There's a reason why people use Ethereum for all their fucking transactions.
	Also, you mentioned altcoins at the very beginning.
	Let me ask you this, brother.
	If you knew from the very beginning what coins to buy, that were going to go up in profit, is that not smart to do?
	If you knew what coins were going to pop.
	Nobody knows what's going to go up, brother.
	Hold on.
	Actually speaking, we were told by Charlie Miguel what to buy, and they went up.
	Actually, two of my watches that I bought were from Ethereum going up, actually.
	And when I sold, I'm going to profit.
	You're missing the point entirely, brother.
	What's the point?
	You're missing my point.
	He doesn't like Ethereum.
	You're not listening to what I'm saying.
	What I'm saying is if you denominate these coins in Bitcoin instead of USD, you're actually losing money.
	Bitcoin is real money.
	USD is fake money.
	This is the whole premise of crypto to begin with, is that USD is not as strong as Bitcoin.
	Bitcoin is real hard.
	No one said it was!
	No one made an argument that it was.
	Bro, what are you talking about?
	We've never once said any of this stuff like, oh yeah, the US dollar, we gotta focus on the US dollar over Bitcoin.
	We've never said that, bro.
	Do you even watch the show, bro?
	No, he clearly doesn't.
	Listen, listen, can I make one more point?
	No, man, get the fuck out of here, bro.
	No, I don't want to talk to you no more, bro.
	Get this nigga out of here, man.
	Get this nigga out of here, bro.
	Get him off the line.
	I don't even want to listen to this nigga no more.
	Brother, chill.
	The fuck, man?
	Brother, just chill, bro.
	Dude calls into the show to argue with me about fucking Ethereum and shit.
	Like, bro, nigga, go call into Charlie Miguel's show, bro.
	Haha.
	The fuck, man?
	Well, you know what?
	They do calling shows, too.
	He says we would make more money if we did...
	They do calling shows.
	More Bitcoin.
	Cool!
	We still make money, though.
	Yeah, they still make money, bro.
	Now everybody has a fucking capital to put in like 30k, 40k, 50k into fucking Bitcoin, bro.
	Like, holy shit, man.
	You know what really changed my mind, though?
	Dude just hates Ethereum.
	Yeah.
	He just really doesn't like Ethereum.
	That's fine!
	But, hold on, we met a guy that had, what, only like 10k in crypto?
	He's now over 70k from buying Ethereum.
	He couldn't afford Bitcoin.
	Bro, like, dude, it doesn't matter what you think.
	They making money?
	Cool.
	We're happy.
	They're happy.
	What does it matter?
	You can make my money.
	Okay.
	At the end of the day, bro, I'm going to listen to Charlie Miguel way more than some random fucking guy on the internet that's, like, fucking sprigging out over fucking Ethereum.
	It ain't that serious, bro.
	If they're losing money, cool.
	But they're making money, so it's fine.
	Holy shit, man.
	But you know what's funny?
	All coins are bad.
	Understandable.
	But if you know what to buy and when to sell, you win!
	It doesn't matter.
	You can make money on any of them, bro.
	It doesn't matter.
	You can make money on all of them, bro.
	This dude's annoying as fuck, man.
	Brother.
	I know the way, brother.
	I know the way only.
	Brother.
	Up next to me, we have 5688. You are up.
	5688. You are up.
	Hi, Myron.
	Hi, Fresh.
	Yo.
	Wait.
	Hi.
	First of all, I just wanted to say I love your show.
	I've been watching for like two years, and I've even gotten my friends to start saying facts over feelings.
	I have a quick question.
	So I'm going to receive 50 grand from a lawsuit, but I just want to know what I should do with it, because I'm a girl, so I'm obviously going to receive it.
	Where do you live?
	Where do you live?
	In Southern California.
	Oh, shit.
	Okay, so that's not enough for real estate in Southern California.
	Yeah, that's a lot.
	How old are you?
	23. Okay.
	So Southern California, LA area.
	It's going to be very difficult for her to get her property.
	Do you have a job?
	Yeah, I do.
	Okay.
	That's like $4,000 a month.
	Okay, so she's earning like $50,000 a year, basically.
	Okay, somewhere in that range.
	I would say put a good amount of that away for your savings, right?
	Like what I call your emergency fund, six months to a year of emergency, right?
	So that you always have that there.
	And then I will go ahead and that will be roughly half the money.
	And then I will take the other $25,000 and you can use it to...
	I mean, with 25,000...
	Index funds?
	She could put it into index or whatever.
	I mean, or she could try to get an FHA loan on a house.
	In California?
	Well, it depends on where she is.
	But remember, she's only got to put 3.5% down.
	She may become house poor.
	Well, she'll have that six months of savings there.
	Do you own the house you live in?
	Yeah, I live with my parents.
	Oh, so I don't pay anything.
	Oh, so good.
	Okay, cool.
	Man, put that money in a crypto or index funds or some shit, or save it and then try to pick up your first real estate property.
	That's what I would do.
	I think if you could get yourself a real estate property in California, Southern California, yes, the barrier to entry is difficult because it's so goddamn high, but what I will tell you is you're absolutely going to enjoy some appreciation.
	California real estate market always goes up.
	Or, another option for you is Las Vegas.
	Three hours away.
	Yeah.
	Not too far.
	Cheaper.
	Booming real estate market.
	It's going up.
	Growing.
	They're bringing sports teams over there.
	Raiders, right?
	I've been telling you out for years that Las Vegas is blowing up in the United States.
	So that's another option for you as well.
	But yeah, you live with your parents.
	Stay with your folks.
	Don't leave until you're married.
	Stay until you're fucking 40 if you need to.
	Hopefully you get married before that.
	Save your money.
	And I would say try to take that, put like six months of it away.
	And I would say take that $25,000 to $30,000 and try to get yourself your first property.
	That's what I would say.
	Because though it is expensive in California, at least I know you'll be able to charge pretty damn good rent.
	And then your appreciation is going to go through.
	You might not cash flow as much, but you live with your parents.
	Do you have any debt at all?
	I have $4,000.
	Pay that off immediately.
	Pay that off first.
	Yeah, pay that off first.
	Good point, good point.
	Is it credit card debt?
	What kind of debt is it?
	Yeah, it's a credit card.
	Yeah, yeah, yeah.
	Step one, pay that first.
	Women always have that, bro.
	Credit cards, car payments.
	Y'all niggas be tricked.
	Yeah, pay that credit card off first then.
	Okay, pay that credit card off first.
	And the reason why we always tell you guys to pay your credit cards off first is because it's variable interest rates.
	These motherfuckers sometimes will charge you 30% interest.
	So, pay the credit card off first.
	Take six months savings and put that away.
	And then try to, if you can, get your first house.
	If you can't, then you can put it into cryptocurrency or index funds.
	But I'd like for you to own a property.
	God forbid something happened to your family or whatever, you have something to your name that appreciates in value.
	Hold on.
	You got a boyfriend?
	We just broke up like two months ago.
	Alright, cool.
	Don't give him no money.
	Yeah, don't give him any money.
	Don't give him any money.
	Did my baby get 50k?
	I love you so much, babe.
	Yeah, don't give him any money.
	That's your shit.
	Matter of fact, don't even tell him what you're getting.
	I need a new car, babe.
	He's gonna come back and say, I'm pregnant.
	He's gonna come back and say, I'm pregnant.
	Yeah, and it's Southern California too, so you know he can say some shit like that.
	Cooks.
	Cooks.
	Yeah, and they can come back and say, I got the baby.
	So yeah.
	Yeah, credit card, pay it off in full.
	Yeah.
	You don't want that on your interest at all.
	Yeah, yeah, yeah.
	So yeah, so this is what you're going to do, okay?
	Step one, all right?
	Yeah.
	Step one, when you get that $50,000 given to you, right?
	Well, you're probably going to have to pay taxes on some of it, right?
	So like $45,000, $46,000.
	What's that?
	They said it was tax-free.
	Oh, nice.
	Okay.
	So you're gonna get the full 50k.
	First thing you're gonna do, you're gonna take 4k and you're gonna pay off your credit card debt completely.
	Boom.
	You're gonna bring yourself out of debt.
	Second, you're gonna put six months to one year away in savings, right?
	That you have access to liquid.
	You can put it in a high-yield savings account and that's fine, right?
	Just make sure you have it for a rainy day.
	Then, you're gonna take that other 20 or 30k or whatever, Either A, start looking at properties, or B, just save some more money and build up your nest egg and then get your first house.
	Or you can go ahead and put into crypto or index funds.
	But I would like, I think the best move here is to get your first property because then you'll have something tangible to your name that you know is going up in worth that can make you some money.
	When you rent it out.
	And you're in Southern California, so the good thing is with Southern California is at least we know that your property is going to go up in value significantly.
	Or, I would say look at the Las Vegas market, which isn't far.
	But you're in a very good place.
	Just pay off that debt, save a good portion of it, and then do some research as to where you want to put it.
	If I were you, I would put it into real estate personally.
	That's what I would do.
	Either in Southern California, if the bear is too high there, look at Las Vegas.
	Okay.
	Sounds good.
	Thank you so much.
	I appreciate it.
	And yeah, I had to ask you guys because Okay, sounds good.
	Thank you so much.
	I appreciate you guys.
	Alright, who's up next?
	Hey, that's a good, that's a W woman.
	Yeah.
	Calling for some advice.
	Yeah, yeah, yeah.
	Some real niggas.
	Shout out to you.
	Shout out to all the girls that get it.
	But wait, I thought y'all hate women.
	Yeah, we do hate women, right?
	Wait, we do?
	Oh, I forgot.
	I mean, that's what Twitter said.
	I forgot my memo.
	That's what Twitter told me.
	Yeah, someone said 25K isn't enough, man.
	That's why I said she needs to save up some more.
	Or, guys, there's some parts of Southern California that suck that she could get a house, guys.
	True.
	But she might have to live in it.
	We'll see.
	I don't know.
	But, yeah.
	I'll tell you this, though.
	Her credit card, she was not going to pay that off.
	Yeah, I'm glad you asked that question.
	Yeah, bro.
	That's got to be step number one, bro.
	Single?
	Man?
	Guys, credit cards, bro?
	Oh, man, bro.
	That shit will ruin your life if you guys don't get a hold of it, man.
	That's always got to be priority number one, guys.
	When it comes to paying bad debt, it's hard money loans, then credit cards.
	Those are the top two you need to pay off immediately.
	Holy.
	What's up next?
	5398, you're up.
	5398, you're up.
	Go ahead, 5-3.
	Hey, good evening.
	Martin Fresh.
	This is Jaleel from Castle Club.
	How are you guys doing tonight?
	Oh, shout out to you, bro.
	What's up, bro?
	Hey, just have a quick question.
	So next month, I'm going to be out of my secured credit card, and I'm going to be into an unsecured card.
	So I currently have two credit cards.
	I have a Discover Beginner card, which has a $500 limit.
	Yep.
	And my second one is a Bank of America card.
	It's a Platinum Rewards card, and this one has about $1,500 on it.
	So that's my limit on that.
	So it's about two grand total.
	So I was wondering, after I get out of that, after I get my deposit back once it's unsecured, Should I stick with Bank of America and Discover, or do you guys recommend I go with a different company?
	What do you guys think?
	I always tell people, let me guess, is your Bank of America, it's a Visa probably, right?
	Yeah, my Bank of America and Discover are both Visas.
	Sorry, my Discover is a MasterCard.
	Wait, your Discover is a MasterCard?
	Really?
	I believe so.
	That's impossible, because Discover is its own credit card company.
	Yeah, actually, yes.
	Discover is MasterCard and Bank of America is Visa.
	Interesting.
	Okay.
	So, yeah, bro.
	I always tell people, always have...
	It says Discover is neither Visa or MasterCard.
	Yeah, that's a little off, man.
	Maybe because it's a secured card?
	Maybe.
	Because it's a secured credit card, right?
	Yeah, both of them are secured credit cards.
	Is it the Discover It?
	Is it the Discover It card?
	I'm sorry, what was that?
	Is it the Discover It's card?
	Uh, yes.
	Can you double check that real quick, Fresh?
	It's its own card.
	You were right, Myron.
	Yeah, it's its own card, right?
	Yeah.
	It's not a MasterCard.
	Yeah, so bro, look.
	This is what I always tell people.
	The two best credit cards that everybody should have in their wallet is one MasterCard and one Visa, at least.
	Okay?
	One Visa, one Master.
	Because these cards are accepted everywhere, you'll be okay.
	Now, when it comes to, you know, other things, obviously I like American Express.
	I don't have any Discover cards myself, but Discover is really good for beginners.
	So, if you want to have one Discover, one Amex, one MasterCard, one Visa, you'll be in a good position there because you can use different cards at different locations, right?
	For example, like I know internationally...
	You might run into some fucking issues with Discover, right?
	And some places don't like American Express because American Express has high transaction fees.
	So having all four of the major ones is very helpful.
	Now when it comes to your situation with Bank of America, I would say...
	If you have a bank account with them, try to increase your limit.
	And then once you turn that Discover It card from a secured card to an unsecured card, try to see what limit you can get.
	And then maybe, if you want, depending on your credit score, I would say open up maybe one or two more other credit cards.
	Because your goal is to get as much available credit to you as possible so that when you use your credit cards, you don't hit your utilization, you don't trigger high utilization and then lower your credit score.
	Does that make sense?
	Yeah, okay.
	Yeah, that's That actually makes sense.
	And about utilization, I kind of am a little bit bad about that.
	However, I do pay my full bill every month on time or early.
	So I'm usually in the 50 to 60% range utilization.
	I know that you say...
	You gotta bring it way down there.
	You gotta bring it way below, dude.
	And then what I would say is instead of paying it off in full every month...
	I mean, you can do that too.
	But if you want to maintain a good credit score more times during the year, I pay my credit card every week, bro.
	I'll look at my thing.
	I'll log in every couple days, maybe once a week, twice a week even sometimes.
	And I'll look in there and I'll just consistently pay that shit down all the time.
	And always make my utilization be under 30% closer to 10%.
	That's what I would suggest.
	Make more frequent payments than one big lump sum payment.
	That's another big pro tip.
	It's going to have to reset.
	And if you pay it one time...
	And your credit score is always going...
	It's being checked typically once a week, bro.
	So if you're making payments on it all the time, it'll keep your utilization low and it'll keep your credit score higher.
	So that's another pro tip, but I don't think I've shared that with y'all.
	Literally, bro, once to twice a week, I'm in there paying whatever balance is there.
	Knocking it down.
	So that my credit score is almost always high.
	Another pro tip for you guys.
	Oh, damn.
	I never actually thought that paying it every week would really help your credit score.
	Because I'm a new user, so I've only been using credit cards for six months.
	Yeah, I'm sorry I never shared that with y'all.
	Like, yeah, bro.
	One way that I actually keep my credit score pretty high is I'm literally making payments like a couple times a week.
	Right?
	Now, you guys might not need to do that because, you know, for me, we're running a business, so I have to fucking constantly go in there and pay shit.
	But, you know, if your expenditures aren't as high, obviously, because you're not running like a business or whatever, that's fine.
	Just once a week, go in there, pay it off, and that will significantly help you with maintaining a higher credit score year-round versus making only one payment a month.
	If you can, yeah.
	If you could do it.
	If you could do it.
	But if you're making payments in full, bro, then you can clearly do it.
	Because you're paying in full every month.
	So it's just about splitting it up more and cutting it down and making sure that you're never carrying a balance.
	Especially if it's someone like you, where you only have a $2,000 limit.
	Nah, bro.
	You never want your shit to be 50% or above.
	Ever.
	That's when you start getting into problems because these credit card companies have certain algorithms and how do I say this?
	Like meters, like warning meters where the higher utilization goes, the more of an at-risk buyer you become.
	And once you become an at-risk buyer, trigger alarms start to go off in their systems.
	Does that make sense?
	Damn, I never thought of it that way because I always just thought that as long as you pay the full statement, you know, regardless of how much you're using, then you're good.
	So I never thought of it like that, actually.
	Yeah, no, bro.
	Once your utilization passes certain parts, the credit card companies literally start to take precautions on you.
	And they do this because they know that whenever people are desperate for money, they start to emulate certain behaviors.
	And a lot of the times it's like sporadic spending, getting high utilization, etc.
	So this is why we tell you guys all the time.
	Keep your utilization low so that you don't trigger these trip wires that these credit card companies have.
	Because remember, credit card companies are a business.
	They're not there to just give you money.
	No, they're there to give you money so you pay them back with interest.
	But once you reach a certain level where they don't think that you're going to be able to pay them back anymore, that's when these fucking triggers start going in.
	Your credit score gets limited.
	They shut your card off, right?
	I've seen it before many times where you'll have a credit card You'll do one charge of like, let's say $1,000 when it has a 10k limit, but they don't like the way that you spent it or you spent it in an awkward place, whatever, they shut your card down right there and then.
	The credit card companies are in the business of making money and ensuring that they get paid back at some point with interest.
	If you show any type of behaviors that aren't conducive to that, they'll absolutely shut you down and lower your credit score as a penalty.
	Yeah.
	Also, if you've got a high limit, if you don't spend correctly how you should spend, they'll either lower your limit to way less, and that will you spend...
	I mean, Amex, right?
	They literally, if you get like an Amex Platinum, it's a charge card, which means there's no limit.
	But if you make a huge purchase out of nowhere, and you've never made that purchase before, they'll fucking decline your shit, bro.
	Yeah.
	They'll decline your shit.
	Or if you don't like check spending power before you do it.
	So these are all things that you need to kind of keep in mind when it comes to credit card companies, bro.
	But number one, I would say try to open some other credit cards up.
	Number two, bring utilization up.
	And then number three, another pro tip, pay frequently so that you're not carrying a balance, especially since your balance is so goddamn low and you make one purchase and now you're at 50% utilization.
	No, fuck you up, bro.
	So always keep that utilization low and pay frequently for you.
	Cool?
	Awesome.
	Sounds good.
	Sounds good.
	And, uh, Just one last quick thing, if that's okay.
	Like, it'll be super quick.
	All right.
	Just real quick.
	Myron, so I just wanted to ask.
	So the wintertime has come here in Michigan.
	It gets pretty exhausting throughout the day and stuff like that.
	And as you guys probably know, I've been on this weight loss journey.
	I'm only 37 pounds away from my goal.
	I'm almost there.
	So I just wanted to ask you, what tricks and tips would you give me to help keep my energies higher throughout the day?
	Because, you know, I'm in a calorie deficit.
	And, you know, I'm training as hard as I can to lose as much weight as possible and everything else.
	But do you suggest any supplements or vitamins that I could take that could help me stay energized throughout the day?
	Because, you know, I drink black coffee, but my body's becoming used to it.
	So I just wanted to see if you had any other tips or any supplements or anything that they recommend.
	How many hours a night do you sleep?
	Typically between 6 to 8. Yeah, try to bump that to 8 to 10, bro.
	I don't think people understand how important sleep is, bro.
	It's like literally sleep is the most anabolic thing that you could do if your goal is like weight loss and building muscle mass.
	Eight to ten hours, bro.
	Okay.
	That means you might have to go to bed earlier.
	That means you might have to turn shit off.
	But eight to ten hours a night, bro, is what you got to be shooting for every single night, man.
	You'll notice a huge difference just off of doing that.
	Okay.
	And make sure that you're being super accurate about tracking your food and your calories.
	Okay, yeah, sounds good.
	And you know, the weight loss has been great.
	Thanks to all your tough love and your indirect tough love.
	So like whenever you shout at someone calling them a fat ass, whatever it is, when I was bigger, I used to take offense to that.
	And it kind of just made me like, man, I'm tired of doing this shit and or being this way.
	And I made the changes and holding myself accountable has been great.
	And I really appreciate everything you guys do.
	And keep leading the front line, gentlemen.
	Thank you for everything you guys do.
	Much love to both of you and the whole team.
	Thanks, man.
	I appreciate that, man.
	By the way, we paid out all the winners of the Body Transformation Challenge.
	One chest, eight pack trucker won, actually, first place.
	And you were five other spots.
	So shout out to you guys for always...
	You know what's funny?
	They motivated me to get back in the gym, too, as well.
	So shout out to y'all for winning, man, that challenge, and good job.
	And also, real quick, guys, just so you guys know, we are running our Black Friday Cyber Monday sale right now.
	Sale's gonna end tonight for you guys.
	If you guys enjoy what you guys are hearing right here, we're answering phone calls and giving you guys sauce.
	We do this every week, twice a week, on Castle Club, guys.
	So there's three options.
	If you're on Castle Club and you're not paying right now, you got an option where you can get DMs on demand, Castle Club Premium, Castle Club for a year, and...
	The first day of LA blueprint as well as the telegram group.
	$620 bucks you get everything guys for the year.
	Okay?
	DMs on demand is only $700 bucks and the first day of LA blueprint is around $200.
	You're getting like damn near $1,000 plus value for $620 bucks and you're covered for the year until 2020 fucking six guys.
	Alright?
	Goddamn midterms, elections, you guys are covered till.
	So, that's one option.
	If you're already a Cows Club member.
	Thank you.
	All you got to do is just upgrade to premium, 65 bucks, and guess what?
	You get the first day late blueprint, DMs on demand, the telegram chat, etc.
	And if you're already in premium, which a bunch of you guys are, hundreds of you guys are in there, shout out to you all ninjas, everything is free.
	You get the first day late blueprint.
	Deals on demand?
	Deals on demand.
	And you also get the Telegram chat if you're in the Castle Club Premium.
	We're going to close it tonight, guys, after the shows are done.
	So if you try to get in after, you won't have access to DMs on demand and everything else like that.
	So guys, get in now while you guys can.
	We're going to end this sale after tonight, the Cyber Monday sale.
	We extended it for you guys because a lot of you guys said, hey, I don't get paid, etc.
	Can you please extend it for us a little bit?
	Some people, the links didn't work, etc.
	So we're running it until tonight.
	So guys, get in there!
	Also, real quick guys, the sauce you got today is nothing compared to what you get in premium.
	Way more detail.
	You get actual examples, screenshots, everything in full detail because obviously we're on YouTube, we can go all the way in.
	But in premium, we go all the way in.
	With all our mentors, us as well, real life stories.
	So guys, if you want the actual sauce, the real sauce behind the scenes, that's where it is.
	Yeah.
	And just so you guys know, here's the schedule.
	So we do one Zoom call for our Cast Club guys, right?
	And then we have another Zoom call for Cast Club Premium, where, as you guys can see, the Cast Club Premium is more detailed, right?
	So, for example, if that dumbass had called in during a Cast Club Premium call, Miguel and Charlie would basically have eaten his ass up and shown him, look, this is why you're an idiot.
	You don't know what you're talking about.
	Yeah.
	We're going to detail.
	Obviously, we're not going to do that today because we're not the crypto experts, and that's not that type of call.
	But the point I'm trying to make, guys, is we go into way more detail on the premium stuff, whether it's fitness, networking, getting girls, dating, etc.
	We're also going to have a DMs on Demand exclusive Zoom call in about two weeks, sometime in mid-January, so you guys can go ahead and go through the course, and then we're going to answer questions specific to Instagram for you guys on there.
	So first, we're going to be running that call.
	And we do one free call a month for the brokies.
	So that's our December schedule, guys.
	You guys can see nice and organized.
	So yeah, man.
	Get in Castle Club, guys.
	Get in Castle Club regular and get in Castle Club Premium.
	If you're not in Castle Club paying member, you can literally get everything for $620.
	Link is below, guys.
	Two different options.
	One if you're already a Castle Club member.
	And another one where you just upgrade to Premium is $65.
	Or if you're not in it at all, you can now get in.
	At a fucking deal.
	Get everything that you want.
	DMs on demand.
	First day late blueprint.
	Telegram chat.
	All that for a year for $620.
	So that's a fucking steal for Young Ninjas.
	And if you guys don't know what it is, guys, it's a course built on networking, dating, and business.
	Most of the people you see that have done courses outside now copied our course.
	100%.
	But they don't know the real sauce behind the scenes because obviously we created this course from our experiences.
	They don't have the real sauce.
	We got real sauce.
	Everything's there.
	You go through the modules, then we expand on the Zoom calls.
	The Zoom calls is where the value's at because you're able to go through, get the basics, then we answer your real-time questions after that.
	And guys, Fresh built up an Instagram like 1.5 million.
	I built up an Instagram 500,000.
	Like, despite being fucking shadow banned, et cetera, and getting banned, and now we built up our accounts back and we're still doing pretty damn good.
	So, guys, no one knows Instagram better than us, bro.
	Also, our new accounts, look at our actual reach.
	It's insane.
	Yeah.
	Like, it's really insane.
	Despite being censored and shadow banned and all this other shit, we built up our platforms huge.
	Yeah.
	And we got connects, obviously, in the Instagram world as well.
	Obviously, we got banned for very serious shit, but for some of y'all, we got y'all ninjas.
	Hackers, bro.
	Hackers are bad.
	Yeah.
	We're working on getting them back, though.
	What do we got here?
	Who's up next?
	Yeah, sure.
	I'll do it.
	All right.
	Where from our sponsor?
	All right.
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	Cool.
	Alright, next caller?
	Yes.
	We have...
	3697, you are up.
	3697, you are up.
	Also, guys, link is down below for the actual premium and the actual deal that we have going on for Cyber Monday.
	Like the link, man.
	Tell you, man, the value is really in there, bro.
	Really in there.
	Alright, who's next?
	3697, you're on the line?
	Yeah, you can hear me?
	Yeah, we got you, bro.
	Alright.
	First off, I want to thank you guys for saving my relationship.
	I can't thank you guys enough for that.
	And then second, do you guys have any experience in 401k loans?
	You mean taking out the loans from 401ks?
	I'm sorry, say it again?
	So you want to take a loan out of your 401k for property or just for the money?
	No, no, no.
	So I already have a 401k, but I was wondering how you guys feel about 401k loans.
	I don't like it.
	I don't like it, bro.
	It's like the equivalent to borrowing against your TSP and the government.
	Nah, bro.
	I would say stay away from it if you can, because you've got to pay that back.
	And you're losing the potential money that you can make because you're pulling that money out, which obviously defeats the whole purpose of even using one of these 401ks.
	You're depending on compound interest.
	So when you pull money out of there, you effectively hurt your ability to grow.
	The only exception, I would say?
	Property.
	Is if you're going to use it to buy real estate that's going to cash flow for you.
	Then that can make sense because I know for a fact the real estate between you making the cash flow, the appreciation, the cost segregation, the tax benefits, etc., then it'll make sense.
	But if you're going to pull that money out for anything else and buying, and let me be clear about this, it's got to be an investment property.
	I wouldn't even do it to buy a single family home that you're going to live in.
	It needs to be an investment property if you're going to pull that money out.
	What do you want it for, bro?
	Actually, I'm a truck driver for 10 years, and I got my new business.
	I got LSD and everything, but I want to buy a new truck.
	Well, not a new truck, but I want to buy my own truck.
	So I was thinking about pulling out a 401k, a loan for my own 401k.
	How much money do you need to buy the truck?
	I'm sorry?
	How much money do you need to buy the truck?
	I found them to be about $50,000 to $60,000 for truck and trailer.
	All right.
	And how much do you have saved right now?
	Um, well, so I don't really have like, you know, crazy now save.
	Um, but that's why I was wondering if I could just pull out my, my 401k to buy a truck.
	Don't do it.
	I wouldn't do it.
	Like, bro, you know what you could do instead?
	What I would think is better?
	Go ahead and get yourself one of these credit cards, right?
	That lets you have, you know, 12 months, 18 months.
	Is your credit score good?
	Last time I checked, it was around 680. Yeah, so your credit score sucks too.
	Yeah, bro.
	Look.
	Yeah, yeah.
	Look, man.
	That savings you have, I want to touch that.
	Let it continue to grow, right?
	That's really for like a rainy day.
	What you need to do is I would say you need to just build up your savings, bro.
	Spend better.
	Clearly your credit score reflects that you're not the most responsible with your money.
	So in this case, I would say work more hours, save more money up, and then get that truck that way, and then bring your credit score up.
	Then what you could do is you could go ahead, maybe finance it, and if you're confident that when you finance the truck that you're going to make more off of having the truck versus what you would be paying for it, then it would make sense.
	But I would really stay away from borrowing against your 401k.
	Bro, finance a used truck, bro, and get that robo because your actual retirement money needs to be where it's at.
	Remember, you're going to put that money to a truck that may or may not make money.
	So you're gambling with your actual retirement.
	So I wouldn't do that either.
	Yeah, bro.
	Again, Work more hours.
	Make more money.
	Bring your credit score up.
	680 is terrible, bro, by the way.
	You need to bring that credit score up.
	That's fucking garbage.
	Yeah, yeah.
	It's actually come up since I started listening to you guys.
	Good.
	Bring that up.
	Because the other reason, too, is once you save that money, you go to a dealer and you try to get this truck...
	They're going to give you shitty ass terms.
	So you need to bring your credit score up.
	That is true, actually.
	And then, because I would prefer that you finance the truck, because you can at least maybe write off the payments, right?
	And on top of that, right, the other thing too is, you just need to be confident in yourself is, are you going to earn more money than the truck costs you?
	That's the other thing you got to figure out is, how much are you going to cash flow from having this truck?
	You need to figure that out.
	Because as we know from the actual interview with Big Things with Guan, as an owner-trucker, what do you call it?
	Owner-operator.
	You need money to have on the site as well for when things will go wrong.
	Did you watch your episode on trucking?
	I'm sorry?
	Did you watch your episode on trucking?
	Yes, I did.
	Okay.
	Good, good.
	So, yeah, bro, that's what I would say, man.
	Don't touch your retirement.
	You need that, right, to get the benefit.
	And second, I would say work more hours, save more money, and then I would get into figuring out ways to finance the truck, whether it's through liquidating a credit card that will give you like 18% no interest.
	Sorry, 18 months no interest, so you can take that time to pay that truck back.
	Or, you can finance the truck, but you need to make sure that if you're going to finance the truck, the numbers make sense where you are profiting significantly more than the financing of the truck.
	Yeah, I'll tell you this though, bro.
	With a higher credit score, you get a way better rate on that truck, for sure.
	Yeah, but regardless, there's two things that you need to do before any of this.
	You need to save more money, you need to bring your credit score up.
	Caller, do you have an LLC? I'm also very concerned that you don't have much savings.
	That's also a problem.
	Caller, do you have an LLC for your business?
	Yes, I do.
	Well, maybe you could get it under a business loan.
	It's a little bit easier that way.
	Yeah, you could look at SBA loans as well.
	There was a good one that was a couple of years ago, but I don't know if they still offer, but SBA loan.
	But regardless, bro.
	You need to get your credit score up, bro.
	Like, you need to get your credit score up and then you need like three to six months of savings.
	The fact that you don't have any money saved is a problem.
	Because here's the other thing, too, you gotta understand.
	And big things like Juan talked about this during that thing.
	When you become an owner-operator, it's on you to fix everything.
	Like, one thing getting fucked up will cost you 20k and you don't have the money.
	Then what?
	Now, you got a truck that's sitting there not making you money that's costing you a bunch of money a month to maintain.
	This is why you need a bunch of money, bro, saved.
	So, step one...
	Work more hours, save some money.
	Step two, bring your credit score up.
	Okay.
	Alright, this is what I want.
	I want you to save up $50,000, then get your credit score to about a 720-730, and call back into the show.
	And then we'll fucking navigate this shit together.
	Alright.
	Sounds good.
	Alright, bro.
	You got your marching orders.
	You know what to do now.
	I appreciate it, fellas.
	Alright, man.
	Don't touch your retirement.
	Bye.
	Yeah, some good advice, man, because it's like it is, bro.
	Yeah, because, bro, it's just not worth it, man.
	The only time, guys, it's ever worth it to pull money out of your retirement, bro, is if you're going to buy an investment property.
	Yeah.
	That's the only time, because at least I know if you're buying an investment property, you're absolutely going to decimate whatever returns you would have got with it in the market.
	And tax benefits as well.
	And the tax benefits, etc.
	So I know for a fact you are going to get a higher return on buying an investment property than keeping it in your retirement.
	He's also kind of like in a bad spot.
	He sounds like...
	Yeah.
	Yeah.
	Sounds down.
	Yeah.
	So, yeah.
	680 credit score, too.
	Guys, if y'all got 600 credit scores, bro, you guys got to get into the 700, bro.
	680, 690, unacceptable.
	You guys got to be 720 bare minimum.
	720 bare minimum.
	You've got a used truck, though.
	Yeah, yeah, yeah.
	It's sound.
	All right.
	But who's up next?
	Alright.
	8-5-5-4, you are up.
	8-5-5-4, you are up.
	8-5-5-4.
	Hey guys, can you hear me?
	Yep.
	We got you, bro.
	Hey guys, how are you?
	So, I became a real health insurance broker like a few months ago.
	And to be honest, we are struggling with sales, so I was wondering if you guys have any closer way to start and what to do with it.
	Health insurance broker.
	So you still have health insurance, right?
	Yes, yes.
	Okay, so from what I understand with the business, you need leads to generate to close clients, right?
	You need leads.
	Do you have a lot of leads right now, or do you work off of lists?
	How do you get your leads?
	Yeah, so here's a tricky part, right?
	So leads themselves are their own industry, and you have to buy leads to make a sale.
	I can do that, but the problem is they're very sketchy, right?
	So I can buy 10 leads, you know, and I don't know, you know, if those numbers are gonna work or, you know, if number has been disconnected and all those things.
	So I was wondering if you guys can connect me with someone who is more reliable and helping with it.
	So the only reason...
	Hey, are you in...
	Hold on, hold on.
	Let me stab your...
	Hold on, hold on.
	Are you on Gas Club?
	I am.
	Okay, are you on Premium?
	Yes.
	Okay.
	Okay, I got you.
	Our guy Justin, literally this is all he does.
	Yeah.
	So, I'll tell you what, bro.
	When are we having that call?
	Should we schedule again?
	Yeah, can we pull up the schedule again, Bills, if we can?
	So we have a guy that literally, this is what he does, is helping people with marketing and getting leads, etc.
	for sales.
	Sorry, are you in the telegram chat, bro?
	Sorry, say that again?
	Are you on Telegram or no?
	For premium?
	No, no.
	Okay.
	Discord?
	I'm on Discord.
	Okay.
	What's your name in there?
	Aaron.
	So I see the 17th.
	We got marketing, but we'll get Justin on here to give you an answer sooner.
	We're going to see Justin in the net, actually.
	Yeah, we're going to see Justin tonight.
	So, we are on a sort of a time crunch.
	The thing is, it's open enrollment, and it ends at the end of December.
	Yeah, that's when you want to...
	No, no, no, no, no, no.
	No, don't worry.
	We're going to get you an answer today.
	Join the Telegram chat.
	We'll have Justin answer you.
	No, I'm not on Telegram.
	I'm only on Discord.
	No, but I'm telling you, join the Telegram.
	You're on Premium, right?
	Yeah, so...
	That brings me to my second question.
	So the whole thing with the premium is a nightmare to navigate.
	I haven't been able to figure out anything.
	So the only thing I see is Whoop, where you have a bunch of videos about Instagram, but nothing else.
	Yeah, WAP. Yeah, WAP. Here's the thing.
	We have the Telegram link.
	All that stuff is in there on WAP, bro.
	Yeah, it is.
	Okay.
	And who do I contact on Telegram?
	Me.
	Yeah, just contact Fresh.
	Tag Fresh in your question.
	He's gonna copy it and then make sure Justin gets it.
	We'll get you an answer today, bro.
	So what else do I have?
	No, we'll post actually the link again in there just so you can see it because...
	Bro, I hope you're not lying because the chat said you lied.
	Yeah, bro.
	This thing isn't a premium.
	Bro, you need to...
	Because it should automatically bring you in there.
	So I'm like, bro, if you're in premium, you should be in there already.
	Yeah, you should be in the telegram chat, bro.
	Okay.
	All right.
	Okay, I see it.
	I have it open on my laptop.
	So, yeah, I can see the telegram chat.
	You just said you couldn't see it, bro.
	I can set it up.
	All right, you're messing me on there, bro.
	This nigga, man.
	Thank you for coming again.
	All right, cool.
	I got you, bro.
	I'll send you our guy that can help you with these leads.
	Yeah, yeah.
	We literally have a guy for this, so don't worry.
	We'll take care of you.
	You'll get your answer tonight, all right?
	Well, you know what we should do?
	Bring on a health insurance broker or manager owner so they can teach people how to sell insurance because I'm telling you, that's a good business, bro.
	Yeah, we can.
	But his thing is he needs leads, so we'll help you with this.
	Okay, copy.
	All right, man.
	I thought you were going to say I'm going to bring on PVD for God's sake.
	No, please.
	No.
	What the fuck?
	Why do you say that, man?
	You don't like PVD? I mean, all other gurus, they're selling those wet dreams, right?
	But the reality is a lot different from, you know, what they're saying.
	Everything relies on those leads, and those leads are, you know, a business within themselves.
	So the thing is, these insurance companies like Allstate and United, they have set up their own IMOs, and they pretty much control everything.
	They won't let you in.
	Yeah.
	Fair enough.
	Fair enough.
	Well, luckily for you, our guy Justin isn't from the insurance world.
	He's one of them boys.
	Yeah, he's in the sales world, so he got you.
	So you're good, bro.
	You're one of them boys.
	Did you message fresh on the telegram?
	I'm going to set it up now, and then I'll do it after the call.
	All right, you better be on premium, bro.
	If you're lying, we're going to know.
	Also, put where you're from in Telegram so they can see you as well.
	Yeah.
	All right, bro.
	We'll talk with you.
	We'll get you handled sort of with us for today.
	Literally, Justin's going to come in probably in an hour.
	And one more thing.
	2020 underscore Mustang.
	Screw you, motherfucker.
	Okay.
	I don't know.
	Motherfucker!
	I don't know who he's...
	Okay, I guess someone in the chat pissed him off.
	Alright, bro, thank you for calling.
	Alright, bro.
	Alright, thank you.
	Alright, peace.
	They're being very...
	They're roasting Indians in there.
	Yeah, I know they are.
	Alright, who's up next?
	I said, get out of here, motherfucker.
	I said, go to fucker.
	What the heck?
	8355, you are up.
	8355, you are up.
	8355. W! Good evening, gentlemen.
	What's up, brother?
	I just had a quick question.
	I've been 1099 for the last three years, and I haven't paid my taxes.
	My question to you is, should I pay my taxes off first, or should I get rid of my credit card debt first, or other debts?
	Yo, wait, hold on.
	Question, bro.
	Does IRS hit you up for your taxes, or no?
	Uh, I mean, I've gotten a couple, like two letters.
	Nigga, you wild it, bro.
	Nothing too serious.
	What did the letter say?
	Nothing too serious.
	Two letters.
	What did the letter say exactly?
	Hey nigga, pay us, bro.
	Um...
	Yeah, basically.
	Like, they showed me, like...
	FBI, open up!
	FBI, open up!
	Alright, alright, let's figure this out.
	Let's go through this together, alright?
	How much do you owe the IRS? Yeah.
	From one year, like seven.
	From another year, six.
	And then last year, it was like five.
	So you owe them roughly $20,000?
	Yeah.
	Okay.
	Can you pay it off now?
	No.
	Right now, I'm in another state.
	Alright, let me ask you this.
	I have an influx of money coming in.
	Alright, you owe the IRS $20,000.
	How much do you have a credit card debt?
	I'd say like maybe $3,000.
	You feel or you know?
	Please tell us what you know.
	Yeah.
	$3,000 in credit cards.
	Okay.
	So this isn't terrible.
	It's not bad.
	Wait, you said it's a hard money loan?
	No, no, no, no.
	This is something else.
	This is like all my other debt.
	Wait, you have more debt?
	Let's see it.
	2k in the credit card, 2k in medical, and then 3k in a hard money loan that I'm getting figured out right now.
	Okay, so let me just make sure I have this all right.
	And I want you to correct me if I'm right here.
	So your total debt is this.
	You got 20k to IRS, you got 2k in credit cards, you got 2k in medical bills, and then you got another 2k in what?
	Yeah.
	Hard money loan?
	3k on the hard money, yeah.
	Okay, so you owe almost $30,000 total.
	Yeah.
	Okay, let's start with the IRS first.
	Are you accruing interest on that $20,000 that you owe the IRS? I would believe so.
	It'll tell you.
	I don't know how much.
	Okay.
	When I look through the letter, because right now I'm not at my house.
	I'm in another state right now.
	Bro, either way, bro, either way, the letter should tell you what it is.
	If not, it's fine.
	But I'm going to tell you this right now, bro.
	Like, I have a brother.
	His name is Wesley Snipes.
	He didn't pay.
	He went to jail.
	Nigga, I'm sure you're one of us, bro.
	So if you don't pay, you go to jail too.
	I'll tell you this right now, bro.
	What's worse is going to jail.
	So I'll pay IRS first, then my credit card.
	Harmony law.
	That's what I would do.
	Look, the other thing too with the IRS, bro, they're a government agency.
	They understand that people have issues with paying.
	I would call them and see if you can get on some kind of payment plan.
	Yeah, you could probably do that.
	I'll call them and see if you can get on some kind of payment plan because I'm pretty confident that the government is probably not going to be taxing you like that hard money lender and the credit card companies.
	The two things that worry me the most is your hard money lender and the credit card.
	So, first thing, step one, call the IRS, try to get on a payment plan.
	Let them know your situation.
	Typically, they'll work with you, bro.
	The IRS will work with you.
	Second, right?
	What is the interest rate on your hard money loan?
	You don't know.
	Uh, well, I did something on, what is it?
	It's called PDS debt, so I'm, like, making the payments or whatever, but I'm, like, I looked into the fine print and I realized I'm giving them, like, 70 bucks on what I'm already paying, so I'm just trying to get out of that as well.
	70 bucks more?
	Okay, how much did you originally borrow from this hard money lender, bro?
	So the hard-running loan was one-man financial, but I called in...
	No, no, no.
	How much did you originally borrow from them before?
	I was $8.
	It was $800 now?
	$8,000.
	Okay, and you brought it down to $2,000.
	To $5,000.
	Like, PDS did something, like some kind of debt consolidation, where they basically worked something out, and now I only have to pay five.
	So wait, is it five or two, bro?
	Because you just said a second ago that you owe two to the Harder Money Lender.
	No, three.
	Three.
	I guess you paid it down to three.
	I've made a certain amount of payments, so it's down to $3,000 now.
	It was five.
	He bought it down to $3,000 now.
	Okay.
	Do you know what the interest rate is on that 3k with the hard money lender?
	Or are you not dealing with the hard money lender anymore?
	You're dealing with the collections?
	It's called PDS debt.
	So they like, basically they petition on your behalf and they were like, hey, we got this guy.
	He'll make such and such amount of payments.
	Basically they're like a middleman.
	Okay.
	So you have some kind of intermediary company that's helping you service this debt so the interest rate doesn't spike out of control.
	Right.
	Okay, interesting.
	Alright.
	Alright.
	How much money do you earn per month right now?
	Right now, it's on the up and up, so I'd say like between $15,000 to $3,000 a week.
	Wait, you said $15,000?
	This is just in these months.
	Wait, $15,000 to $2,000 a week you said?
	Yeah.
	Okay, so you make roughly $8,000 a month?
	Roughly?
	$6,000 to $8,000?
	Yeah.
	Okay, so look, man, you're not in the worst situation.
	I would say you need to call IRS. That's obviously step number one.
	That's step number one.
	Can you work more hours at your job and make more money by working more hours?
	No, we have like a preset route.
	So we wake up in the morning, we check our app.
	We get like three or four jobs a day.
	And that's it, basically.
	What do you do?
	Like you do some kind of delivery service?
	Oh no, installation.
	So right now I'm installing fiber.
	Alright.
	So this is what you're going to do, my friend.
	You need to pick up another job.
	Alright?
	And I don't...
	It could be Uber, it could be whatever.
	Uber might work because you can literally...
	What do you mean, nah?
	Right now I can't because, like I said, I'm in a different state.
	I'm not in my home state.
	So right now I'm in a room from some old lady.
	Bro, how does that stop you from working more?
	Yo, bro, where are you from?
	Are you from the Caribbean?
	Yes, sir.
	Nigga, you sound lazy as fuck, bro.
	Yeah, nigga, I'm trying to understand here.
	What is stopping you from picking up an Uber gig?
	Nigga, you sound Haitian.
	I know you're not Haitian.
	Just kidding.
	The truck I drive right now is a 98 Ford, so that's not within the Uber specifications, plus it's like a wood truck, so it's like a two-seater in the front with shit in the back, ladders, and all that jazz.
	So I can't really use it to drive Uber.
	Okay.
	Well, whatever it is, bro, you need to do something more.
	Yeah, you need more money.
	I gave you a suggestion, but the point is that you need to get another job, bro.
	Yo, which island you from, bro?
	Don't lie.
	Fair enough.
	Oh, mother scum.
	Listen.
	Listen, bro.
	You need to work more, bro.
	I'm just going to call this all the way.
	You're a lazy-ass nigga, bro.
	That's what it comes down to.
	You're a lazy-ass nigga, which is why you're in this situation that you're in.
	And now you're having a wake-up call.
	Call you lazy.
	That's what it comes down to.
	I'm just going to be very fucking blunt with you.
	You're the laziest fuck, nigga, which is why you're in this situation.
	So step one.
	You're going to call IRS, figure out some kind of payment plan.
	Step two, you're going to find another fucking job.
	Alright?
	I don't want you ever being in this room that you rent with this old lady.
	You need to be working all the fucking time because, bro, you're $30,000 in debt and this debt is spread across multiple different creditors and some of them are extremely high interest.
	You took a hard money loan out, all this shit.
	And if you don't have it late now, bro, you're going to be fucked.
	Yeah.
	How old are you?
	29. Yeah, bro.
	If you don't fix this shit, I promise you, you're gonna be in debt into your fucking 40s.
	Because what ends up happening when you make really bad decisions like this in your 20s like you've already done, and if you don't get yourself out of this hole, you're gonna be paying this debt all the way into your fucking 30s and 40s, and you're never gonna be able to actually be net positive and actually create any kind of wealth for yourself.
	Bro, we've been there.
	You're always going to be paying bills.
	You're always going to be fucking behind.
	You're always going to be dealing with fucking notices of some shit being turned off or whatever.
	You need to get a hold on this now, bro.
	This is literally do or fucking die.
	What you do with this debt that you have, this 30K, this 30K is going to dictate whether you live the rest of your life in some kind of comfort with financial security or you're going to be living paycheck to paycheck.
	So you are a lazy ass nigga.
	So you need to fix this shit.
	You're 29. You have a lot of time.
	You don't have any kids, no family, no nothing.
	You can pull yourself out of this.
	Call IRS. Figure out a plan plan.
	Second, you're going to work more hours.
	I don't want you ever fucking home.
	Alright?
	You need to be working all the fucking time.
	Third, you're going to pay off first probably this hard money loan because I'm assuming that probably has the worst interest rate.
	Then you're going to go into credit cards.
	Then you're going to go into the medical bill.
	Then, obviously you're going to be making payments to the IRS, but it's going to be less than the other ones, because you need to aggressively pay down the hard money loan first, then the credit cards.
	Those are going to fuck you up the most, because interest rates are not favorable for you.
	Yo, this is a wake-up call, bro.
	You gotta fucking grind, bro.
	Hold on.
	Caller, you got kids?
	Don't lie.
	Uh, no.
	No kids.
	Okay, good.
	So there's no excuses.
	Outside, all the time, working.
	You are never in that fucking room with that old lady's house, nigga.
	You literally are in a terrible position, and you need to fix this shit.
	And you can.
	You can.
	Alright, so repeat back to me.
	I'm just renting a room from the old lady.
	I know.
	That's what I'm saying.
	We know.
	You're renting a room, and you're never going to be there, nigga, because you got a lot of work to fucking do.
	Now, I want to know this.
	What's the strategy?
	Tell me the plan.
	Read it back to me.
	Pay off the credit card, the hard money, call the IRS, set up a payment plan, and basically all the small ones before the big one.
	And ask to defer the interest, if you can, on those IRS payments.
	If there is interest, if they are charging interest, ask to defer it.
	But yeah, bro, number one and two is that hard money loan on that credit card.
	Pay those off first.
	And the good thing for you is it's not that much.
	Two and three K. That's completely doable, bro.
	Completely doable.
	Could be worse.
	Could be way worse, bro.
	Could be way worse, bro.
	I'm actually glad you owe the IRS 20K because at least you can call them niggas and figure something out.
	Yeah.
	But yeah, call them.
	Let them know you're going to make payments.
	Just let them know that you're in a hard time.
	They'll work with you.
	Try to defer interest.
	And then knock out that hard money loan and that credit card first.
	And then the hospital bill?
	I don't know what the deal is with that.
	I'm assuming that's in collections?
	Probably in collections by now.
	Probably.
	By now, yeah.
	I fucked up my arm.
	I had to go to the ER. Let me guess.
	Was it an ER visit or an ambulance?
	Not an ER. Both times I took a fucking Uber to get there, but the fucking two visits was a thousand apiece.
	Okay.
	You should not have health insurance from a guy before.
	That's a good lead right there.
	Do you know what the interest rate is on that debt from the hospital?
	Or no?
	No.
	I have no idea.
	Yeah, yeah.
	Okay.
	Just knock out the credit card, bro, and the high interest loan, the hard money loan, and then figure out what the hospital is, and then obviously contact the IRS. Bro, you're not in a bad spot.
	Honestly, dude, you're really not that bad in a bad spot.
	I've seen people with way fucking worse than this.
	Your biggest issue is that you're just a lazy ass nigga, bro.
	Bro, listen, I'm from the Caribbean too, bro.
	I made some mistakes earlier on.
	I had issues similar to yours.
	I had a credit card debt, I had a hard money loan for a motorcycle that I bought, and some other shit.
	Bro, I called a mentor I saw on YouTube that had a debt-like service.
	I spoke to him for like an hour and a half.
	He gave me a plan like what Myron did.
	I followed it to a T, got out of debt.
	I was happy as hell, clear in mind, bought property like the next following year.
	You can do it, bro.
	You've got to hunker down now and don't go partying.
	Don't go drinking.
	Folks, I get another job and you can do it.
	Another thing, bro, you need to get another job, but if you have a good friend that you can trust...
	That is good to you.
	Again, I'm saying this because you don't want to ruin a relationship.
	You can ask them to give you the $2,000 or $3,000 and you pay off one of these high loans and then you pay them back with no interest.
	That's another option.
	I've done that before for my friends where they have a high interest loan, some bullshit like that.
	I'll give them the fucking money.
	Obviously, I trust them.
	I give them the money and then they pay me back.
	That way they don't got to deal with interest.
	I've done that for plenty of my friends.
	I have a guy like that, but...
	You have a guy like that?
	I lost him as a friend, unfortunately.
	What was that?
	No, I had a guy like that, but I lost him as a friend due to another friend.
	El networking, bro.
	El networking, nigga.
	So yeah, just another option.
	That was another option is that if you got a good friend like that, the only thing though is when I tell people about this, if you got a buddy that can lend you the money, don't fuck them over, bro.
	Yeah.
	Because you will lose your fucking friendship over some dumb shit.
	So yeah, bro.
	That's what I would say.
	But again, you're not in the worst position.
	You just need to work more hours and not be a lazy nigga, bro.
	I can hear it from your voice.
	You sound like you're about to sleep right now.
	Yeah, bro.
	Do you smoke weed?
	Don't lie.
	Don't lie.
	From time to time.
	Yep.
	Well, guess what?
	It's gonna be no time now.
	No more weed.
	No more alcohol.
	No more bitches.
	None of that shit.
	You officially are not gonna have fun for the next two years, nigga.
	I'm deadass.
	There's no more weed or alcohol.
	Nothing.
	I don't give a fuck even if they give it to you for free.
	No more, bro.
	No more bitches.
	No nothing.
	You gotta focus, bro.
	You gotta be fucking...
	Yeah, bro.
	No, you're going to be working all day.
	No more fun for you, bro, for 24 months.
	But you can do it, bro.
	Because it's do or die, bro.
	I wouldn't be spending this much time talking to you on the line if I didn't really matter.
	Because you're literally about to transition into your midlife.
	And if you don't get this shit handled, this can literally grow and destroy you.
	And you'll be paying fucking these bills for the rest of your life.
	Almost 30. And then also, bro, nigga, if you don't get this IRS shit handled, you could go to jail!
	Nigga, not paying for three years is crazy.
	Yeah.
	I mean, call them right away.
	You need to call them first.
	Yeah.
	Make peace with them niggas first, bro.
	Were you born in the United States or no?
	Born here, grew up in Trinidad.
	Okay, so you got a U.S. citizenship?
	Came across when I was...
	Yeah.
	Alright, alright.
	Alright, thank God.
	Oh, you're crazy, man.
	Yeah, bro.
	You know what to do.
	You got your marching orders, bro.
	All right, gentlemen.
	Thank you.
	All right, brother.
	No bitches, no alcohol, no nothing, bro.
	You're going to work.
	No weed.
	That's it.
	All right.
	Who's up next?
	Yeah, I knew he was from the Caribbean, bro.
	I knew it.
	It's Nick on Island time, bro.
	Yeah, he is on Island time.
	Nick's on Island time.
	Like, oh, I just paid back the day.
	No.
	We have 6001. You are up.
	6001. You are up.
	Hey, what's up, guys?
	Yo, what's up, man?
	Hello?
	Yo.
	Hey, my refresh.
	I mean, my question is more to fresh this time.
	I called in last time.
	I was the guy that just got the basic training.
	Had a little bit of debt and stuff.
	I'm focusing up on that and doing the right thing with that.
	My issue now is with my...
	When I left the basic training or whatever, I dropped...
	I mean, this is not really a money question, but I dropped to $195,000.
	And now I'm at 215. I'm trying to bulk that shit back up to get my muscle going and stuff.
	But I was wondering, by the end of the year when January comes in, a good cut plan to follow.
	I really have no clue on where to get off because the Army actually helped me lean down and lose all the weight that I had.
	But I want to get more marked, if that makes sense.
	So this is a fitness question, right?
	Get more fit, basically.
	Yeah, fitness question.
	Myron's a fitness guy, bro.
	I'm learning as we go.
	Well, my bad.
	I was going to say, nigga, that's not me right now, bro.
	Nigga, what the hell?
	Nigga, you said you wanted to talk to Fresh.
	I'm like, nigga, what?
	Macros and calories, nigga?
	I'm learning this shit as you go.
	That's nigga, bro.
	Bro, you just started watching this podcast and shit?
	Nah, nah, you know what?
	You can see me in the gym, though.
	You can probably see me in the gym on Twitter.
	Yeah, bro.
	I'm in the gym, dog.
	Yeah, that's true.
	I mean, I see a bunch of...
	Yeah, you post a lot.
	No, nigga, you just retarded.
	Yeah, let's go.
	Let's go.
	Yo, wait, hold on, hold on.
	Are you a gas club, nigga?
	I'm in Catholic club.
	I'm not in premium.
	I was thinking of upgrading tonight.
	You need to upgrade it because...
	Big game, bro!
	You should be in there right now!
	Bro!
	I literally had an entire, what?
	It was like a two-hour phone call or a Zoom call?
	Yeah, Zoom call.
	Literally on fitness only.
	Figuring out macros, going to the gym, different plans, exercise, all this shit.
	You need to join premium, bro.
	You need to join premium.
	Also, we had a body transfer challenge.
	You could have won some money.
	Yeah, bro.
	And you get DMs on demand.
	Nigga, sign up right now.
	Can we show the link real quick?
	Because literally we have this thing for you guys.
	Bro, you get DMs on demand and you get fucking first day blueprint, all this shit on top of all the fitness stuff.
	So guys, when you join in, right, into this thing, it's going to show...
	Oh no, this isn't it.
	Wrong page.
	Is this it?
	Is this what the link looks like?
	No, this is what WAP looks like.
	Oh, this is what WAP looks like.
	Oh, when they're in there, like, whatever.
	Okay, so yeah, this is what it looks like when you log in, but I thought we were going to show them the link.
	That's fine.
	Let me just answer this fitness question.
	What was your question specifically in fitness stuff, bro?
	So, I basically was fat as fuck.
	I leaned up a bunch because of running and exercise right in the army.
	And now that I'm trying to bolt back up, I'm getting my muscle back where I'm building muscle, but I'm not really marking myself where I look like...
	I want to look basically like I'm building muscle.
	Right now I look pretty decent because I've been going to the gym, locking in, saying like, go straight to work gym, straight to work gym.
	But I'm not really seeing a lot of progress.
	It's been taking a while, I'm not going to lie.
	like seeing like good progress.
	All right.
	I'll give you something for you, bro.
	Go to the gym, get on a regimented resistance training program, right?
	You could go three, four times a week.
	You could do four body workouts or you could do push, pull legs, whatever it may be, but you just need to be focusing on lifting weights is, and resistance training, right?
	The military, a lot of times is calisthenics and, uh, body weight training and, and, uh, cardio.
	But if you actually want to get like that bodybuilder look, et cetera, you're going to have to train like a bodybuilder, bro, which a lot of times it means you're going to be in the gym.
	Lifting weights three to five times a week.
	And then however you want to split it is up to you.
	But the main thing I will say is that you need to be focusing on getting stronger week to week, month to month, and increasing the weight on the bar over time while simultaneously eating a little bit in a calorie surplus.
	Right.
	Okay.
	Yeah, because I was like...
	Alright, step one.
	Hold on, hold on.
	How many calories are you eating per day right now?
	What are your macros right now?
	Exactly.
	I mean, macros, I mean, I go to work because I'm a trucker, right?
	What are your macros right now?
	What are your macros right now?
	I have no clue.
	There you go.
	Shut up.
	Shut up.
	You don't even know how many calories you're taking in per day.
	No.
	That's step number one, bro.
	If you want to build muscle mass, you need to know exactly how many calories you're taking in per day.
	Everything else is not important if you're not getting the basics right.
	Let me ask you a question.
	You said you're a truck driver, right?
	Okay.
	Yeah, I'm a truck driver.
	I work like 12 hours a day, so it kind of fucks me over.
	Okay, you want to cry some more.
	If I told you, hey, I need you to deliver a load to this random place in California, right?
	But I told you, oh, no GPS, by the way.
	You probably could still get there, but it would take you longer.
	It'd be a pain in the ass.
	You'd have to, like, figure it out, et cetera.
	Would you drive somewhere you'd never been before without a GPS? No.
	You wouldn't, right?
	No.
	So why the fuck are you lifting weights and going through this fitness journey without tracking your calories?
	Yeah.
	See?
	That makes sense.
	That makes sense.
	Bro, you need to track what your calories are, right?
	Let's say for you, let's say your maintenance calories for you is 2,000 calories.
	I'm just using simple numbers here.
	Your goal is to build muscle mass, you need to be taking in 22 to 2,500 calories a day.
	Slight surplus, so you don't get fat.
	Protein?
	One gram per pound of body weight.
	Nice and simple.
	There's other equations that you can use, but to keep this simple, two to three hundred over your maintenance, one gram per pound of body weight, and then you can fill the rest of the calories of fat and carbs however you want.
	But the macros are, protein is by far the most important macronutrient, slight calorie surplus.
	I'm just keeping it nice and simple.
	Okay.
	Okay.
	And you recommend using like an app, right?
	Yes.
	I've heard of apps, but I have no idea.
	Yes, absolutely.
	Use a fitness app of some kind to track your calories.
	And I personally, I eat the same food every fucking day, bro.
	To make things easy.
	Okay.
	Cool?
	Okay.
	That makes sense.
	Okay.
	Yeah.
	I download that app.
	I'll get working on that shit.
	I'll stay locked in.
	I've been following you for a while now and, like, listening to all the night train shit, all the fresh, like, value that he has in there, too.
	Man, I've been locked in.
	Fucking work, Jim.
	Work, Jim.
	Good.
	Get in premium, Ninja.
	Get in premium.
	Because we have Zoom calls that go into this in more fucking detail.
	And then the beauty is, once you actually have your calories tracked and everything else like that, I can hold your hand when we do our fitness Zoom call.
	We can go over like, hey, this is what you're going to do in the gym on this day, etc.
	I go into way more detail on premium.
	So, get a premium, bro.
	65 bucks.
	It's fucking nothing.
	Nothing, bro.
	Get in there and get all the other free shit with our sale going on.
	Alright?
	Okay.
	Makes sense.
	Thank you.
	Alright, bro.
	Peace.
	Okay.
	Noble, did you still want to show them that or are we good?
	Yeah, we can show them.
	What the dashboard looks like?
	Can you explain it to them?
	Yeah, I can explain the dashboard.
	Hey, guys!
	Black Friday sale, aka Cyber Monday.
	Still going on right now, guys.
	Get into Castle Club Premium Man.
	If you're already a Castle Club member, just upgrade $65, and you're able to go ahead and get DMs on demand, first day late blueprint, access to a Telegram chat with us in there, as well as...
	Damn, so much shit, I can't even remember all the value they had.
	You get our connections.
	You get to talk to us whenever we can on Telegram.
	It's always good to see us in Zoom calls.
	And we go into way more detail than on a call like this, right?
	And then also, guys, you get one Zoom call per week on regular Cals Club, right?
	And you get two Zoom calls a week if you're in the premium.
	Get in the premium, guys, because you get the regular Cals Club and everything else like that.
	But the other thing also is we have the offer if you're not a paying member of Cals Club.
	Get everything in one shot.
	$620, guys.
	Cals Club premium.
	Cals Club for a year.
	And you get DMs on demand with first day late blueprint for $620 fucking bucks.
	Crazy deal.
	One time charge, covered for a year.
	Hey, man.
	And might I add, the course itself is $700 by itself.
	Yeah.
	A membership, and the course, and the blueprint, and Zoom calls, bro.
	The value's insane, bro.
	$620, bro.
	So fucking steal, man.
	Get in there, guys.
	But yeah, Noble's going to show you guys real quick the stuff.
	Go ahead, Noble.
	Take it away.
	Yeah, so right here, this is where you guys join.
	You click join right there.
	We got two offers.
	You can join monthly at $65, or you can join yearly at $620, where you get Cast Club Premium for a year, you get regular Cast Club for a year, and you get DMs on demand and the First Day Late Blueprint.
	Sale ends tonight, ninjas.
	That's why we're pushing this shit for you guys, because you literally won't have...
	If you sign up after this, you're not going to get the DMs on demand or First Day Late Blueprint, none of that stuff.
	But once you're in the WAP... Right at the top, we got DMs on demand.
	And then right below it, we got the first day lay blueprint.
	All your lessons are there.
	You just click the tab and then the video opens up.
	Right below it, if you click that, you can connect your Discord to the WAP and it'll automatically put you in the Discord as soon as you log into Discord.
	You don't have to do anything else.
	And telegram too, please.
	And telegram is all the way at the bottom right there as well.
	So if you go and click that little telegram tab.
	Yeah, G, earlier, we had a G called in and nigga fucking was trying to say, I couldn't find a telegram.
	Bro, it's there.
	Bro, it's right there.
	It's right there.
	You just connect your account to WAP and it automatically puts you in.
	You don't even got to join with a link or anything like that.
	And then we also got 28 Club with Run It Up.
	That's where you're going to go and find all the stock trading calls.
	And then every week in events, I go and add the time for the calls for the week.
	So if you go in there, you can see what time the calls are.
	Also, how do they find the actual calls after they're recorded?
	After the recording, they're all posted in the Discord.
	Cool.
	So only in Discord, not on...
	Only in the Discord, yeah.
	Got it.
	Okay.
	So guys, it's in Discord only.
	All right.
	Cool.
	Thank you, Noble.
	Uh, the WPG. Alright, uh, we got some chats here.
	Alright.
	And then after this, we got a show with some girls.
	After hours, so.
	Alright, WolfCyborg says, Heard about XRP from you guys around the time it first came out.
	Dropped a couple of hundred on it when it was around 82 cents.
	Just check today and it's almost down to $3.
	There you go.
	Oh, yeah.
	No, hold on, bro.
	Remember the guy who said that it's all scam, bro?
	It doesn't work.
	Only Bitcoin.
	I've been trying to tell you guys for six, seven months that Ethereum is bullshit.
	All right, bro.
	All right, nigga.
	Dude.
	Make your own channel, nigga.
	Bro, it's like, dude, I'm realizing what Charlie and Miguel say now with these guys that are like, you know, coin enthusiasts.
	Yeah, yeah, yeah.
	Only.
	Yeah, bro.
	Niggas are obsessed, bro.
	Niggas are obsessed, because I remember him calling in before bitching about this shit.
	Like, bro.
	These are the shows other truckers need to be watching.
	I agree.
	Will Cyborg says, Mother Truckers.
	He's correcting himself.
	Yeah.
	Alright, fresh updates.
	WFNF, I got back into crypto because of y'all and Luke Belmar last year.
	Shout out to him.
	WFNF, WMIR, WBills, WMO, WHomeless, HennyNigger.
	Is that...
	That's RFK, yeah.
	Alright.
	GChannel says, be your own bank and get it safe until anyone.
	Banks take your money, have more assets like gold and silver, invest in home cameras, better locks as well, and some firearms.
	Either then, that WFNF, WCC, WCLAN meetings...
	Well, yeah.
	I mean, you could do that.
	I mean, I do keep some cash in my safe, but I don't know if you want to have hundreds of thousands of dollars, guys, in a safe somewhere.
	Yeah, in your house, bro?
	In your house.
	I mean, you could do that if you really want to, but I don't know, man.
	Yeah.
	Or put it into stocks.
	That way it's a savings that actually benefits you and is going up.
	Well, in this month.
	Cool.
	GCTO says, Hey Myron, I sent you a DM on Discord yesterday.
	Could you respond on there?
	I'm not trying to air it out on here.
	It's on Money Slash Lifestyle.
	Last message I sent was on CC Premium.
	Alright.
	I'll be honest, man.
	Telegram's better.
	Yeah, Telegram is probably better, bro.
	RobbieFK8.
	Nigga said I sounded defeated.
	I'm a truck driver.
	My co-driver's currently sleeping five feet from me.
	Alright, no worries, Robbie.
	Robbie, if you're good, bro, we're just worried about you, man.
	That's all.
	Who's up next?
	We can do a phone line.
	A phone line?
	Yeah, we can do a phone line.
	1410, you're up.
	1410, you're up.
	Hello?
	What's up, man?
	What's going on, man?
	Shout-out to BigTings.
	We just said 20 bucks.
	Big up to you, Ninjas.
	Miss you guys.
	Shout-out to you, too.
	Appreciate you supporting, my friend.
	Go ahead, bro.
	What's your question?
	Yeah, so basically, I... I just recently purchased a new car, and I've heard you guys talk about recently a lot about how purchasing a new vehicle is a bad decision.
	What'd you buy?
	Do you guys think that the market's going to change?
	What'd you buy?
	I'm kind of like stuck.
	I don't really know what to do.
	What'd you buy?
	24 Honda Accord Brother Brother.
	Where'd you buy it from?
	I mean, it's a good, reliable car.
	See, that's not an issue, bro.
	See, the problem is that you're looking for the actual short-term benefit.
	Long-term, what you did is you just bought a car that's going to depreciate the moment you drive off the lot.
	So you just lost like 30% of the car up front.
	So I get it as a good, reliable car, but bro, you could have bought a used Honda with the same amount of reliability and saved all that depreciation up front.
	But let me guess, how much you pay for a car?
	Like $24k?
	$27k?
	How much you pay for it?
	$33k.
	Oh, Lord!
	See, okay, hold on.
	You could have bought a 2022, probably the exact same, or 2021, pay maybe like $20k to $15k around there, and it's still reliable.
	But here's the problem, right?
	Even if the market changes and it goes a little bit up...
	That car, or you lost its value.
	So you might even, like, save, like, 2-3k, but you're still losing money no matter what.
	So now, my friend, you got two options.
	Keep the car forever, and just hold the L, or get as much as possible and get a lower-year car that's used and pre-owned.
	Because right now, bro, off rip, we lost the value of the car because the moment we drive up the lot, bro, it's already depreciating.
	And as well, bro, like, remember, a new car, bro, they put sales tax, they put, like, a lot of, like, packages on the car, which, honestly speaking, I think is a scam.
	But they charge you for the car, plus sales tax, you really lost, bro.
	You know, I know this, bro, because I did it before myself in the past.
	My mistake with cars, bro, is that...
	I actually work for the...
	I bought a Honda dealership that I bought the car from.
	So I didn't have to pay any of the taxes or anything like that.
	I literally paid $500 over what they bought the vehicle for.
	But I also bought the gap insurance and then I bought a maintenance warranty so I didn't have to do any of the maintenance on it.
	Yeah, okay.
	But either way, bro.
	Like, okay.
	You as a worker, you should know this, bro.
	Like, buying a new car is a scam.
	Come on, man.
	Come on, man.
	Come on, bro.
	You know this, bro.
	I mean, it's not always.
	Okay, let me ask you this.
	You ever use 2021, right?
	Honda Accord in your dealership, right?
	Right.
	How much does that go for?
	Uh, like 24. Okay.
	You just spent 33, right?
	Let's do the math.
	Yeah.
	So hold on.
	33?
	Goddamn, change the calculator up.
	What the fuck?
	But see, here's the thing.
	If I would have gotten the used vehicle, my interest rate would have been like 10%.
	Right now, my interest rate is 4.9%.
	So you just would have saved $11,000.
	Here's the issue, right, with buying the new car as well.
	It is a lower interest rate, I'll give you that.
	But the money you're going to spend over a period of time isn't going to really add up that much to $11,000.
	And if you're smart, you pay it off way faster.
	I'm just saying, bro, you could have saved money.
	You got two options, bro.
	You either keep the car until you die or sell it and get a used car and just take a hit right now.
	That's my things for you at this point.
	Mommy, either way, I'm going to have to roll over negative equity because I owe more than other cars worth, technically.
	Exactly.
	So I'm going to have to roll over negative equity into my next vehicle, and then my next vehicle is going to be way more expensive than...
	If I were to just keep this vehicle.
	Did you buy it because you worked there?
	Is that why you bought a new car?
	Well, I bought it because I was driving a 06 Ford F-150 and the rear end went out like three days after I started working there.
	Yeah, bro.
	They got one off of you.
	I'll tell you that.
	Nigga, you know it too, bro.
	Trust me, bro.
	I said some recently as well.
	It's not fun, bro.
	Actually, I would argue my biggest failure is the car game, bro.
	That's why I can tell you what not to do so you don't get finessed.
	Yeah.
	But yeah, no more new cars.
	I have another question, if that's okay.
	Like I said, I'm in the car business right now and it's Pretty terrible.
	It's pretty slow.
	I'm thinking about possibly getting into a logistics company, working for a logistics company.
	I'd make a little bit less money up front, but I have a potential to make more money in the long run.
	Do you think that's a smart decision or no?
	It's more stable.
	If you're not confident in your skills to sell right now, especially with the market being down how it is, because people aren't really buying cars anymore.
	They're actually focusing on saving money versus spending money.
	Well, when Trump gets in office, it may change, but that's on speculation.
	So it's more stable doing that, bro, and more reliable.
	So if you're more focused on being stable versus them being up and down, yeah, go for it, bro, 100%.
	Because sales, bro, it's not easy, bro.
	It's not.
	It's good for quick money and to get a big burst of money, but not for long term.
	Definitely not.
	And it's stressful, too.
	But remember...
	I'm not saying I'm a bad salesman.
	I think I'm a good salesman.
	No, no, no, bro.
	It's the market, bro.
	It's the market.
	It's the market, bro.
	Because in your line of work for Honda, traffic comes, but to be real, traffic is low right now.
	But nonetheless, bro, remember, once you move to that new company for logistics, guess what you gotta pay?
	A car payment.
	Yeah.
	So...
	Yeah, guys, please don't buy new cars, man.
	Just buy a used, pre-owned, or buy a used car if possible.
	Just get it checked, of course, by a mechanic, and you're good to go.
	But buying a new car is a waste of money, bro.
	Even with a higher interest rate, it's still a waste of money.
	You know?
	Well, thank you guys so much.
	I appreciate it.
	I love the show and I watch you guys all the time.
	So, keep doing what you're doing.
	Hey, by the way, man.
	They scam you, nigga.
	Alright, cool.
	Alright, brother.
	Have a good one, bro.
	Oh, man.
	Yo, I'll never forget, bro.
	This was 2016, 2017. I bought my brand new Hyundai Elantra.
	I was like, yeah, I got a new car!
	Then I looked at the paperwork.
	I was like, I just got fucked, bro.
	Yo, I got fucked, man.
	Yeah, guys, learn from freshness and mistake, bro.
	Sniggle will tell you all the time that the car industry is fucking bullshit.
	Yeah.
	Cool.
	So guys, we got some lovely ladies here.
	Chris just walked in.
	We do.
	We're going to give you guys an after hours tonight.
	Guys, last time, Cyber Monday sale, Costco Premium.
	You can get an actual full year membership, 620, and of course, Demons on Demand, and First of the Blueprint, and Zoom calls from us personally, and guess what?
	You get access to me and Myron, Telegram, whenever we're available, respond to you guys in Telegram, right there and then.
	So guys, access is insane for 620.com.
	Remember, you've got to be a Cast Club member to get into premium, guys.
	Yes.
	Alright, so make sure that you're in Cast Club and click out premium.
	If you're not a Cast Club member where you're paying, right, no problem.
	Get everything together, one shot, taken care of, $620, good for the next year if you're not a paying Cast Club member.
	Actually, we had a guy, just real quick, we did a networking call two weeks ago.
	He had an issue finding clients for his business.
	Came into the call, got some advice.
	He has three clients for that call, and he does event sales.
	So, guys, the source is there, man.
	His fitness details, my networking details, more in detail, and screenshots, and receipts.
	And for all the cash flow, guys, we're going to drop the link in the chat for you guys.
	Guys, you can literally get in for the month and then cancel if you don't like it.
	But I guarantee you guys are going to like it because you're going to get the free DMs on demand.
	Get in there, at least with DMs on demand and the fucking...
	The first ALA blooper.
	We're going to drop the premium link for you guys that are already in Cal's Club.
	Get the fucking deal.
	$65, get it!
	Right?
	For you guys that aren't in Cal's Club paying, you're $17 or $35 a month.
	If you're smart, you would have been paying $17 because you got it when we first originally put it out there.
	Or you're paying $35.
	Fine.
	You can go ahead, pay $620 for the year, get everything, and you're locked in for the year.
	Yeah.
	So, guys, huge fucking value.
	Huge...
	You know what's funny?
	Discount.
	We had a hater call in on the Zoom call saying, you know what?
	I thought it was a scam.
	I didn't want to do it.
	I came in on a discount.
	I see the value in it, so I'm staying.
	Yeah.
	He said it on the call.
	So get grandfathered in.
	And just so you guys know, we're probably going to have to raise the premium price.
	Yeah, at some point, yeah.
	So grandfather this shit in now while you guys can and get all the benefits while you can.
	Yeah.
	And this offer only lasts until the end of the night, man.
	We're going to end this shit.
	You're not going to get DMs on demand or First Day Late Blueprint after this.
	And it's closed.
	So get in.
	Now, motherfuckers, get in now.
	I wouldn't be telling y'all this a million times if I didn't think it mattered a lot.
	So you're able to get everything, and then if you're not a paying member of Cats Club, one-time payment, guys, $620, covered for the year.
	Cats Club for a year, so if we ever do cuts again, you get premium, you get DMs on demand, and you get First Day Late Blueprint.
	All one shot, man, covered for the year, man.
	So this is the biggest fucking sale we've ever run, ever.
	Bobby Trauma, just so you can do your math correctly, nigga, is $33K versus $22K. It's $11K difference.
	That's the math.
	Stick retarded, bro.
	All right.
	Let's continue.
	Oh, car shit?
	Yeah.
	Okay.
	Fair enough.
	He can do the math.
	Cool.
	Guys, we're going to end the show here.
	We are...
	Chris, time?
	Give me a call at the time, Chris.
	1035. 1035?
	All right.
	After hours will be up in 1035, guys.
	Get your questions in, and we'll catch you guys back here in a little bit.
	Get in there, man.
	Peace.
	Peace.
	I ran.
	I ran so far away.
	I just ran.

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