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March 24, 2025 - Fresh & Fit

02:10:56

Money Monday Call-In Show w/ Steve From Accounting

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Time	Text
	And we are live.
	What's up, guys?
	Welcome to Fresher Podcast, man.
	We're here with Steve from Accounting.
	Money Monday.
	Let's get into it.
	Let's go.
	We're back.
	What's up, guys?
	Welcome to Fresh Podcast, man.
	Regular edition.
	We're here with Steve from Accounting, a.k.a.
	Money Monday.
	Man, it's about to be tax season very soon, so we brought the expert in the house.
	Steve, welcome to the show, man.
	Welcome back.
	Appreciate it.
	Thanks for having me back.
	Yeah, it's always good.
	It's always good.
	Yeah, and it's actually tax season now.
	We're in the thick of it right now.
	And you say this, bro.
	I want to say a bunch of money ourselves, other clients.
	You're the guy, bro.
	So thank you.
	Yeah, you guys got in early, and we did a lot of planning right in the beginning, and it worked out.
	So I guess for most people, they want to know, okay, for taxes, how do I legally...
	Well, we should have him introduce himself first, right?
	Well, that's true.
	Yeah, yeah.
	Good, good.
	For those that might not be familiar with you, man, can you introduce yourself to the people?
	Yeah, we know who you are.
	Absolutely, yeah.
	So I'm Steve from accounting, they call me.
	So I'm a CPA of over 25 years.
	I practice in the west coast of Florida, Sarasota, and Bradenton.
	I got a couple practices there.
	And yeah, so I've had a health...
	Imaging company for about seven years in Florida, and then I sold that back in 13, and then I just went full-time doing the CPA stuff.
	Yeah, and you specialize in working with entrepreneurs, business owners, real estate investors, pretty much right?
	Yeah, yeah.
	I run the gamut.
	I have small business owners, a lot of real estate guys, a ton, high net worth individuals.
	Nice. Okay.
	Anything else for us before we get into it, man?
	Last time you were on the show, Well, actually, probably the first or second time.
	You brought up something that happened in the past with family.
	You want to get an update on that or not really?
	Yeah, so, I mean, we're still dealing with that in the past couple years.
	That's why I've been off of social media.
	I had Patreon.
	I had a bunch of guys that were following me on that for a while.
	So, yeah, my brother and I have been putting a lot of work into that over the past year and a half now.
	So, things are getting ready to kick off.
	I can't say, you know, too much about that right now because we're in litigation right now.
	Not only criminally, but civilly as well.
	But, yeah, so I appreciate you, you know, talking about that.
	But, yeah, it's been, you know, I had a tragedy.
	My son was 22 years old.
	Woke up one morning.
	He was just walking, doing his morning routine.
	He used to do, like, 10-minute walks.
	He followed this guy called Stan Efferton.
	And, you know, he was a gifted athlete.
	You know, getting almost ready to...
	He was throwing in the mid-90s at 17. It was like 93, 94 miles an hour.
	A lot of teams were looking at him, getting a lot of questionnaires.
	And 22 years old, somebody just walked up to him, shot him in the stomach for no reason at all.
	Yeah. Our condolences, Stephen.
	Obviously, thank you for making the time to come out.
	Yeah. And Steve has been dealing with this for a while.
	Yeah, this is back from 2022.
	Giving value, so thank you for being here still, Steve.
	I appreciate it.
	Still making things happen.
	And I think a big part of what you're doing is for your son, because he's the one I got you on the internet, right?
	Yeah, so I started this group because you guys help young men try to level up, and that was kind of like the whole purpose of what I was doing, just trying to get a bunch of young guys to come in, and they want to learn how to...
	Do startups properly.
	Get structure properly.
	You know, just general business advice and general life advice as well.
	Just forming like a guys group.
	So we had that going for a while and then kind of things really ramped up on the criminal case of, you know, dealing with my son.
	So kind of got sidetracked, but I'm trying to pick that up now.
	Yeah. No, I mean, you know, because I know you guys had like worked together before with the internet stuff and he was helping you out.
	But yeah, our deepest condolences.
	So I guess, what's new with you, man?
	I guess besides that, what else has been going on?
	Because I know you've been working really hard with helping guys with crypto.
	You're one of the few accountants that deals with people on crypto.
	Not many accountants even touch that because of obviously how new it is and how people might say, oh shit, this is very volatile.
	But what's new with you in general?
	So, you know, just basically putting my head down, you know, after almost two years of trying to deal with my son's case and trying to keep my, you know, everything with the business going, I was dealing with the guys, you know, Charlie and Miguel was dealing with them for like a few quarters.
	They had those courses that they're doing.
	I think they're still doing them.
	Yeah. They were on your show, guys, you know, I think like last month or something.
	Yeah. Yeah.
	And so basically, you know, I was teaching in there.
	I was doing a few tax segments in their courses.
	As well, and then, you know, just basically the market kind of cooled off.
	You know, 2023, 2024 wasn't too crazy with crypto.
	Kind of cooled off a little bit.
	Until Trump came back in.
	Now Trump's back in.
	Trump's a big crypto guy.
	A proponent's going to do the Bitcoin reserve and, you know, Ethereum and Ripple and everything.
	So I think, you know, this year is going to be- Can you explain to the audience what that means for the future of, like, taxes and- So now, so, you know, on the way over, I was kind of updating myself on the- The IRS and what they're doing is the Operation Hidden Treasure.
	So Operation Hidden Treasure basically started in 2022.
	And what the IRS is doing, because a lot of these guys, they're kind of like, they go against the grain.
	They're not like, they're trying to develop a monetary way of exchanging goods and services.
	It's called crypto.
	It's basically, it's hidden.
	So you don't know who the owner of that crypto is.
	And you do these transactions on chain.
	Operation Hidden Treasure, which I've talked about that in the past.
	But since then, I think they've audited a few thousand people.
	They've recovered maybe like $12 million in people that didn't report their gains.
	But what they're doing is they're doing a ton of on-chain analysis.
	So they have tools.
	They have AI that are implementing.
	They're training people on trying to track down where the...
	Basically, people who are not complying with crypto and reporting it every year.
	It's going to get basically more sophisticated, and they're going to have better tools to track these people.
	So they're going after the big fish now.
	They're kind of just data collecting right now, so I think a lot of these people right now, they're thinking, you know, I didn't report my crypto for the past two or three years, and essentially...
	And this is obviously only when they took it out, right?
	So what do you mean?
	When they off-board?
	No, it's just when you're flipping crypto on an exchange.
	If I flip Ethereum for Ripple, there's a cost basis to when I bought that Ethereum.
	And there's a, you know, the price of when I sold it and traded it for the, let's say, Ripple.
	So that is a taxable event?
	Anytime you're floating coins, it's a taxable event, yeah.
	So you're telling me all the guys went to Puerto Rico to kind of like just avoid all this stuff?
	Well, those guys are good because, you know, if they did it, if they started their crypto portfolios, you know, after they got to the island and then they became a resident of the Puerto Rico, then all their gains basically are, you know, tax-free.
	Wow. Yeah.
	So, I mean, that's huge.
	And that's one of the things in Puerto Rico that's very attractive that the economy, the government there did to attract a lot of investment and stuff like that.
	But the problem with that is now you have these people coming in with a lot of money and they're buying up the real estate there and they're driving up the prices, similar to what they did in Florida with COVID.
	Yeah. Which you guys can attest to.
	But yeah, so that's becoming now a problem where a lot of people now on the island that are native there, that were born there and maybe their family's been there for generations, are now leaving there and come to the States because there's not a lot of economic opportunity.
	The real estate there is too high for them now.
	So there's that part of it.
	So it's kind of like a touchy issue there.
	What about guys that made the money or crypto wallets here in America?
	And they want to move to Puerto Rico after the fact.
	So what happens is now the date that you move and you become a resident of Puerto Rico, then now you have to basically, that crypt that you had in the States prior to that is going to be subject to the U.S. jurisdiction for taxes.
	Oh, wow.
	Yeah. Okay.
	So Trump's in office now.
	Things are looking better for most people.
	Wink, wink.
	Let's say the future tariffs, taxes.
	Even business owners.
	Is that a good thing for us moving forward with taxes?
	Yeah, so I was going to tell you, we're going to talk about, so the IRS, Trump is talking about abolishing the IRS, right?
	So now we're talking about, now we have things as the government has to, you know, fund every year, right?
	We have to fund Medicare, we have to fund Social Security, Medicaid, defense spending.
	All of that stuff had to be funded by revenue from the Internal Revenue Service.
	So taxes, 50% of the income that the government makes to fund this comes from individual people like you and I, that when we report our taxes, basically $1.5 trillion of that is collected through individuals.
	And there's like our 1.2, I think, is from like...
	From like payroll taxes.
	So like, you know, everybody says, oh, companies don't pay corporates, you know, corporations don't pay taxes.
	They do, actually, because they're hiring people and they pay people W-2 wages and then they have to kick in taxes.
	So, you know, there's called the employer portion and the employee portion of taxes for payroll.
	So the corporations have to kick in employment taxes.
	So basically that takes care of about $3 trillion.
	And then, you know, there's tariffs is only like, I think, maybe $300 billion.
	Tariffs only collect like maybe $300 billion.
	So it's only like 2% across the board.
	So basically, you would have to increase tariffs on all goods coming into the United States to close to about 60%.
	To make up the difference if you abolish the IRS and got rid of all the revenue that the IRS is collecting every year.
	So that means what?
	You know, you're going to basically, Walmart becomes Whole Foods.
	Well, yeah, you know, it's like Walmart's Whole Foods overnight.
	Yeah. So everything's going to be expensive.
	So we're dealing with that, and then essentially, you know, I think it's kind of like a...
	He's using it more of a strategy to deal with other countries to get us a better deal, basically, in trade, right?
	And to incentivize business owners here to not import stuff.
	Correct, correct.
	Because a lot of Democrats criticize the tariffs and like, hey, this actually is going to lead to more inflation, but the purpose is for it to stave off people importing stuff, which, yes, they're going to pass that price.
	And then, you know, also, we got, what, Apple coming in.
	We got the chip maker, the biggest company that makes the chips.
	Chips, yeah.
	And Taiwan's coming.
	They're doing, like, what, $600 billion, I think?
	Japan committed to $1 trillion.
	To invest in the United States for manufacturing.
	Apple, we said it was $500 billion, and then there's a couple, you know, so I think they said total is like $3 trillion right now of investment of companies coming in so they can avoid the tariffs.
	And, you know, it's basically, and then they're going to get...
	So that's good.
	Correct. And then they're also going to get better tax.
	If you look at the tariffs itself, like, yeah, it sucks, but people don't understand all the positives that come from it.
	It's a domino effect.
	Right. You know, we got to run the country like a business.
	That's why, you know, I appreciate the way it's being handled.
	And you got, you know, you got like Elon Musk and, you know, you can say what you want about him, but, you know, they're running it like a business.
	And that's the way the government should be.
	Yeah. Getting rid of bloat and everything else.
	Yeah. That's chronic of the government.
	Yeah, because we got a $2 trillion, you know, dollar deficit every year.
	Just the interest payments that the government pays every year is...
	900 billion dollars, basically a trillion dollars every year, just in interest-only payments.
	That's crazy.
	You know, we're spending six and a half trillion.
	One trillion of that is interest.
	I mean, if you ran your household like that, I mean...
	Cooked. Yeah, no business would be in business if they ran it like that.
	It's just ridiculous.
	You're bringing in $4.5 trillion, and then you're spending $6.5 trillion.
	But the government doesn't have to be efficient, and that's why they've been able to do this dumb shit for so long.
	And also, you know where the money's going.
	Yeah, where's that?
	Oh, it's going to Israel.
	We know that.
	It's going to wars, man.
	We know a lot of it is going to Israel.
	Yeah, man.
	And Ukraine.
	And Ukraine and everywhere else.
	Yeah. But not here.
	So guys, the number of calls to the show, you get a chance to talk to Steve.
	Our account is 646-490-0394.
	Again, that number is 646-490.
	0394. Is there anything else that you wanted to talk about as far as, like, things coming up?
	Well, the big thing to mention right now is, so not many people know this, so I'm just going to say it's the 2017 tax, the Jobs Tax Act cut.
	Basically... Lowered taxes across the board on a lot of areas, in the standard deduction, in the tax rates, basically like 2% across the board.
	Even the amount of income, because we have a graduated tax system, so even the highest level of tax right now, the 37% tax rate doesn't kick in until you make over $600,000, right?
	So if this year those all...
	Expire. It's called sunset.
	They sunset in 2025.
	So right now, you know, I think Trump, the administration, is trying to get those renewed because basically it's going to raise everybody's taxes about 2.5% across the board.
	Basically, the level of income is going to go down to like, you know, once you make over $400,000, you're going to get killed.
	You know, that's what we had prior to 2017.
	So anything over $400,000, which puts you typically in the top 1% or top...
	I think $500,000 is the top 1%, but either way, you'll be in the top 2% with $400,000 a year.
	So you're going to pretty much get killed at that point.
	Would it be fair to say, Steve, once you start making $400,000 a year or more, you need to start really seriously looking at real estate to kind of cut back on that tax liability?
	Yeah, we talked about this before.
	I think real estate is probably of my client base, if I take a demographic of it.
	And we know this to be a true fact.
	They're the most wealthy.
	They're the ones towards the end when they're done working, whatever.
	Cash out properties.
	They have money that they can liquidate that and live off of it, basically.
	Even the rental income, if they still have those properties, they're maintaining them or they have somebody running it for them.
	Because it's not always easy to run rental properties.
	So you've got people managing it for you.
	But if you had to do that and do this at the same time, you'd go crazy.
	Yeah. No, I would never be able to do it.
	I mean, technically, you've still got to take up phone calls.
	Because they're going to ask questions.
	What if you've got property overseas?
	Like, let's say, Colombia, I don't know, Brazil.
	Would that factor in taxes you've got to pay to as well as a U.S. citizen?
	So basically, that property would be in the jurisdiction of wherever it's at.
	And every country has slightly different tax nuances to it.
	But, you know, the U.S. is one of only two countries that taxes you on your worldwide income.
	So it's a potential possibility that you would have to report that here, but then you would get what's called a tax credit.
	So let's say you had a property in Colombia and you paid, you know, you reported it in Colombia, you had rental income, and, you know, you reported everything on that property in Colombia, right?
	And you paid your taxes in Colombia.
	Whatever that amount is that you paid in Colombia, you get credit for here.
	So you would let the IRS know when you report here that, yeah, you have this maybe foreign bank account, foreign asset, but you paid the Colombian jurisdiction their fair share, whatever it was, and then you get a credit here.
	You'll do the exchange rate, basically, and then you'll get a credit on your 1040 here and your tax return for paying that foreign taxes.
	It's called a foreign tax credit.
	About it all.
	Yeah. Cool.
	Alright, we got the phone lines up.
	Yep, 646-490-0394.
	Guys, it's a great chance to get.
	You got Steve on the line.
	You can ask him all your tax questions.
	By the way, he's not cheap, by the way, at all.
	Yeah. As a favorite to us.
	Yeah, I'll be able to talk to him.
	Yeah. Matter of fact, we should bring Steve on on Wednesday when we do our Zoom call.
	Well, you guys were talking about doing a show.
	A bunch of guys have been asking about how to become an accountant, how to become a CPA.
	Oh, shit!
	That was one that we had talked about before, and I said, yeah, I'd love to.
	I could give everybody the education.
	We should do that, actually, because that's a career field that people probably need to...
	We'll do it on a Zoom call.
	We'll do it on a Zoom call.
	We could do a preface here a little bit, if you guys don't have questions.
	Yeah, we can.
	Yeah, basically.
	Because then you can go all the way in.
	Yeah, absolutely.
	How much time do you think you need to...
	Should we dedicate an episode to it, or do you want to do it today?
	It's up to you.
	We could try to answer as much today.
	Okay. All right.
	Guys, get your questions.
	You've got a CPA here.
	Not only is he a CPA, but he runs his own CPA business.
	So wealth of knowledge on the tax code.
	Once again, we make available to you guys our resources.
	You guys talk to our real estate guys, our accountants, et cetera, lawyers.
	So we got y'all ninjas.
	Yep. All right.
	Let's go ahead and get somebody on the line.
	646-490-03.
	Again, that number is 646-490-490-0394.
	And just so you guys know, as usual, if you super chat in, you can skip the line.
	Put the last four digits of your number.
	Moe's screening of the calls.
	You can see them all coming in.
	So, uh...
	Yes. Go ahead, Moe.
	Take it away.
	5457, you are up.
	5457, you are up.
	He left.
	Alright. Who's up next?
	I like the chat.
	Scroll down on that one.
	It says, do you get credit for prostitutes in Colombia?
	What the heck?
	These guys are crazy.
	Yo. Insane.
	That is funny.
	Do you, though?
	It's not a business write-off, right?
	You gotta get pretty creative.
	Fresh, why are you curious?
	No, because some guys actually do that for a living, though.
	You'd be surprised.
	They spent two months, three months here, and they go over there to, like, have fun after.
	Yeah, I got a few clients that do that, yeah.
	Yeah, but how do you write that off, though?
	That's true.
	This is a business expense.
	The Columbia is so overrated, bro.
	They're doing research.
	Columbia is so overrated, man.
	Fresh is not lying.
	No, I know niggas that do that.
	You've been to Columbia, right?
	Yeah, back in the day though.
	Now it is.
	You know what it is, bro?
	The secret's out.
	It's saturated now.
	Niggas from all over there, it's not the same.
	Yeah. Alright, we have 5875.
	You're up.
	5875. Yo, what's up?
	Alright, so this question isn't necessarily for anybody in particular.
	You guys can answer.
	But my question basically is...
	I'm going to be 21 in like a month.
	And like, I make $14 an hour.
	And when I don't have the car, my brother uses the car to like work his job.
	So basically my question right now is what could I do to like make more money or get out of the Matrix USA?
	Okay. $14 an hour.
	What do you do for work?
	Your brother's car.
	I work at...
	Walmart? Yeah.
	How old are you?
	Are you in college or in trade school or anything?
	Nah, I dropped out of community college.
	Do you work full-time?
	No, I work part-time.
	Oh, you got to get a full-time job.
	Start there.
	Yeah, you got to get a full-time job and then you're going to need a car, so you're going to have to figure that out.
	Agreed. Step one.
	You need to up your hours, bro.
	And then if you can, get another job so that you can save up and get a car.
	And then Fresh could definitely help you as far as getting a car.
	What would you recommend from?
	Well, do you have any goals, bro, at all?
	For yourself, man?
	Because, I mean, at 22, 21...
	Once I figure out what I really want to do in life, my goal is to invest my money into all different sorts of things, like real estate.
	Nice. Real estate, like Bitcoin, things like that you guys talk about on your guys' show.
	Yeah, good stuff, man.
	Alright, well, as far as the car goes, man, I would recommend you getting something reasonable you can afford and pay off pretty quickly.
	I remember back in the day, I had a 2002 Camry, 120,000 miles on it, and I got it for $4,000.
	I put $2,000 down, and within that year, I paid $2,000 off.
	My credit score went all the way up, bro.
	It was crazy.
	Something smaller.
	You want to hear a true story?
	Okay, I used to drive.
	There you go.
	I drove a Chevette, alright?
	I got kicked out of my house at 17, alright?
	I was sleeping in my- Damn!
	For what?
	It's just my parents were very strict.
	I was breaking curfew.
	They caught me jumping on my roof and trying to climb in the window.
	And I was just hanging out.
	They wanted me home at 11, 11.30, not even midnight.
	I was like 17 years old.
	I was hanging out until like 1, 2 o'clock in the morning.
	And Puerto Ricans don't play, man.
	They don't play.
	Mommy, papi don't play.
	So they threw all my shit out, whatever.
	So anyway, long story short, I got a car for 300 bucks.
	I mean, in today's terms, whatever.
	But that car, I used to have to put a hanger in the windshield to keep it up.
	And it was cold in New York.
	I tell you, that thing would drop me and it would fall.
	You'd get all the cold air in.
	And then I didn't even have the money to get it registered.
	And what I did, I went to an apartment complex.
	I wouldn't suggest doing this.
	And I took two license plates off from another car and put it on my plate just to drive it around so I had license plates.
	And I did that for a few months until I had enough money to get the registration.
	And my dumb ass went back to that apartment complex to return the license plates.
	And obviously, you know, the people figured they had to get new license plates.
	Wow. I'm not saying to do that, no.
	But I'm saying, like...
	I have $4,000.
	Listen, I've been where you're at.
	You just got to work.
	I went to school full-time, and I worked full-time.
	And you just got to grind.
	And I said to myself, listen, the pain of what I got to do in the next three to four or five years is going to be a lot better.
	It's going to pay off for me.
	Because I used to look at people in my job that were like 30, 40, and they were miserable, making shit money, getting nowhere.
	They had no education.
	And I said, I'm just going to focus my attention on doing that and putting in the work now so it pays off later versus me struggling the rest of my life until I'm 30 and 40. So just grind, man.
	You've got to go through the pain.
	Look, this is some good advice from Steve.
	It's simple, bro.
	Write your goals down on either a dry erase board or a notebook in your room.
	Every morning before you go to work, read your goals out.
	Put it in your mind and then focus on that.
	You go to work every day, not to stay there, but to become better and try to find a way out.
	And thirdly, of course, with a car, get a cheap car you can afford, put like maybe $500 to $1,000 down on the car, pay it off within that year, boost your score up, and a Toyota, Camry, a Honda Civic, something simple you can afford that's not too expensive.
	And like a 20 what?
	2025. Sorry, no.
	2012. Yeah, nothing fancy.
	Just something to get you from here to there.
	That's all you need.
	You need a set of wheels to get you here and there.
	Listen, bro.
	$14 an hour, it sucks, but you've got to start somewhere.
	So don't look at it as a bad thing.
	But full-time.
	If you can go full-time, go full-time if they're offering it.
	At least, bro.
	But get the car situation figured out.
	Just try to find something cheap.
	You got it, man.
	You got this, bro.
	Yeah, I would say just whatever you do, try to get a car where the payment is low or you own it outright, man.
	Car payments are a scam.
	Yeah, and plus, if you have no credit, they're going to kill you on the rate, and the rates are high right now.
	Well, this is the good part.
	If you get the car...
	I have a decent credit score, I would say, but I've only been bidding credit for like a year, though.
	Nah, nigga, what's credit score, bro?
	You said decent.
	Uh, 7-11.
	That's not bad.
	Are you Indian?
	What? Never mind.
	Alright, cool, bro.
	Listen. I'm black, nigga.
	I'm black.
	We need that 780, bro.
	So listen.
	I'm telling you right now, bro.
	Here's the sauce.
	You get a car you can pay off in full.
	You say you got 4K to your name.
	Get a car for like 2, 3K max.
	Oh, in credit.
	In credit.
	I meant in credit.
	I understand, nigga.
	You put 1K down.
	Right? You only owe like 2K left.
	Pay the car off over a period of time.
	Six months to a year if you need that much time.
	The car is paid off in full.
	Credit scores all the way up.
	And you got a car paid off.
	W, bro.
	Your age is awesome.
	And then we go up another car.
	You have history and credit now.
	Ka-ching!
	Yeah. Yeah, that goes right on your credit report.
	Excellent. So there you go, bro.
	Again, appreciate it.
	It was an honor.
	Thank you, guys.
	Thank you.
	Thanks, bro.
	Good stuff.
	All right.
	Who's up next?
	Come again.
	6249, you are up.
	6249, you are up.
	Hey, give me one second, y'all.
	Let me go to the bathroom real quick.
	Yo, get this thing off the phone, bro.
	Who's next, man?
	Nah, nigga, get this thing off the phone, bro.
	Who's next, man?
	Bro, what the hell?
	Nah, get this nigga out of here, bro.
	Come on, man.
	Who's next?
	All right, who's up next, bro?
	8048, you're up.
	8048. Oh, he's going.
	Hello? Yo.
	What's going on, man?
	Can y'all hear me?
	Yeah, we got you, bro.
	What's up?
	What's your question?
	Oh, that's perfect.
	Hey, so look, I'm on probation right now.
	I get off probation next year, and I plan to go to the Army National Guard for 36 Bravo Financial Maintenance Technician.
	So that's going to be National Guard.
	And when I come out here in the civilian world, I plan on going to sales or being a financial advisor.
	So my question is, what sales industry should I go in or should I do financial advisor?
	Yo, yo.
	You said you're on probation?
	For what?
	Yeah. So I was originally in the army, then I got out and I got caught up in some old shit.
	But I'm just, you know what I'm saying, doing my time right and I'll be cool.
	But that's my question.
	Can you go back in?
	Is it a felony?
	Yeah, it's a felony, but I mean, yeah, it's cool.
	I got a re-entry code 3. Then once I get off, I can go back in.
	So wait, so the military let you back in with a felony conviction?
	Yeah, no, my discharge from the army was a general under honorable conditions.
	But when I came out, I got indicted for some old shit.
	Yeah, but bro, what I'm trying to explain to you is that, like, that's cool, you got an honorable discharge, but I think if you get convicted of a felony, bro, you can't serve the armed forces because you can't have a gun.
	No, no.
	I'm a VTC, so the judge, he's gonna wipe it off my record.
	What? They can do that?
	Yeah, it's a thing.
	It's called Veterans Treatment Court.
	You think or you know.
	What's it called, veterans what?
	It's called VTC, Veterans Treatment Court, that's a thing.
	VTC? Mm-hmm.
	All right, Mo, can you fact-check that real quick?
	Because, bro, here's the thing, bro.
	When you get a felony conviction, this is what ends up happening.
	You can't bear arms.
	You lose your Second Amendment right.
	So, like, obviously in the armed forces, half the name says armed.
	So it's like if you get a felony conviction, bro, your ability to bear firearms is pretty much gone.
	So I don't know if you can go back into the military since you've been indicted and convicted.
	No, I've already been through the process.
	I already talked to recruiters, and then the judge, he's going to wipe it off my record completely.
	So it's like a whole other situation, but I guarantee I can go back in.
	Thank you.
	Alright, I've never heard of that, bro, but okay.
	So what's your question, I guess, assuming that you'll be able to go back in the military?
	Oh, sorry.
	So I plan on going in for National Guard for 36 Bravo.
	That's called a financial maintenance technician.
	That's basically an accountant.
	And then come back out here.
	And I was wondering, like, I was thinking going to the sales industry or be a financial advisor.
	Okay, so you want to basically become an accountant.
	Hold on, hold on.
	So you want to be an accountant in the military.
	Do they take you to, like, CPA school and shit?
	Say that again?
	Do you go to CPA school when you're an accountant in the military?
	Do you get an accounting degree?
	Yes, sir.
	Okay. They give you a CPA certification.
	But that's a lot different than being a financial advisor, though.
	To be a financial advisor, so you're talking about being in accounting, so then take the accounting and take the CPA.
	Let me backtrack.
	I'm leaving out some information.
	So while I'm on probation out here, I'm going to community college for accounting so I can go into the military as a lieutenant.
	or I could go in as the lieutenant or the specialist.
	So I'll be like, already have the certification.
	I'm just using the National Guard because I'm thinking about going to sales, but I need a cushion.
	Sales is, you know what I'm saying, you eat the pill, so...
	I mean, so, yeah, but sales is a mixed bag, right?
	So you could make a lot of money if you're doing high-ticket sales and you're getting big commissions and, you know, there's so many different variations of sales and then you've got to be good at it.
	Right? So then that's another thing.
	And so that's something that you'd figure out.
	But you're coming out with specific skill set for accounting.
	I would probably get into that, stay into that track because you already have the skill set, the education, and the time put in there.
	And then, you know, it's very lucrative.
	I mean, if you work for a CPA firm, you can probably start making, you know, a lot of them right now.
	I think that the entry is like maybe about close to 80,000 coming out.
	You know, if you have, and especially if you have experience.
	So you have between $60,000 and $80,000, depending on where you live, just to get in with your background.
	So I would stick with that track.
	And then just because you already put the time, money, and energy into that already.
	What sales industry are you thinking?
	Like the health, technical?
	Which one do you think?
	For accounting or finance?
	For sales.
	I'm just using that.
	I really want to do sales, but since I have this.
	Like, for the Army side, like, do you think, you know what I'm saying?
	Well, you know, sales, you could be a real estate agent, you could sell cars, you could sell, you know, high-ticket items.
	What industry do you think y'all should just focus on this?
	I just want to focus on one and just excel in that.
	I mean, you know, sales, you could make a shit ton of money, but it's a grind, and you just got to be really good at it, and you got to pick an industry that has a good commission structure, and, you know, because there's so many different...
	Things that you could sell.
	Listen, bro.
	I got some friends in sales, bro.
	I'm sorry to hear about your son.
	I'm sorry?
	I appreciate that.
	I will say this, though.
	I do know some ex-felons that are good salesmen because their prior positions in life they were good at selling.
	But I don't know if you can become a financial advisor being a felon, though.
	Well, you're talking about you're going to get your record expunged.
	Is that what he's saying?
	So you can be expunged.
	It's got to be a thing.
	So it won't be there.
	That's a whole different...
	Yeah, so if you can get that, that'd be great.
	I just got to do my time, you know what I'm saying, while I'm on probation.
	That's why I'm planning on going to community college and just study the accounting now.
	So I'm just, you know, once that time hit, I could just go in, either go green to gold, be a lieutenant, or just come in as a specialist.
	Because I already had a CPA certification.
	Alright, well, this is all hoping everything gets expunged.
	Let's tackle that first.
	It will, sir.
	It will.
	Awesome, awesome.
	Once that's done, like Steve said, focus on one thing, which is going to be your accounting.
	Focus on that, because that's where you're going to get your schooling in.
	And then from there, once you expand upon that, you master that skill, then if you want to do something else, you can.
	But sales is going to be up and down, like you said before, so it's up to you what you want to do there.
	But again, accounting will always be there for you once you learn it.
	Alright, amen.
	Alright, let's go next caller.
	I appreciate you, guys.
	No problem, man.
	646-490-0394, guys.
	The number to call into the show, 646-490.
	I can't see my phone.
	Yeah, I can't see it.
	0394. So let's get the next person on.
	7973, you are up.
	7973. All right, 7973, go ahead.
	Hello, how you doing?
	It's Demetrius Raps.
	What up, man?
	What's up, bro?
	What up?
	All right, so I have a question.
	I do about like 300k a year.
	I wrap cars.
	I'm talking to the accountant.
	His name is Steve.
	Again? Steve.
	All right.
	Yes. So my friend who owns another business, he told me, because I'm getting taxed as a business owner, obviously.
	So he told me if I pay myself as an employee of Demetrius Wraps, I'll get better tax benefits and I'll pay less.
	I wanted to know more information about that.
	Okay, so are you incorporated and are you an S-corporation?
	So when I made my LLC about three years ago, it said something about LLC first and then S-corp as like a sub.
	Yeah, so that's good.
	So you're filing as an S-corp.
	So since you're an S-corp, you have to, under the IRS regulations, pay yourself some sort of salary.
	Page one, you'll see off.
	Go ahead.
	Yeah, so originally what I did was I signed up for this thing where it pays me like $1,000 a week.
	Like, say for example, I made like $12,000.
	So I pay myself $1,000 a week and I basically restart every week.
	So say for example, I'll pay myself $1,000.
	Let's say I spend like $800, you know?
	Then I'll basically reset every week.
	So it's kind of like a better thing.
	So when you say pay yourself.
	I don't spend a lot.
	Yeah. But I'm spending that personally, like a thousand a week personally, so that rest is getting set aside to my business account.
	So when you say pay yourself, is it you're just taking a draw?
	Are you filing payroll tax returns and paying in payroll taxes every quarter?
	No, and that's the thing.
	That's kind of how it started last year, but I don't really know how to do it officially.
	Yeah, so that's not paying yourself.
	You're not paying yourself.
	What you're doing is you're just taking a shareholder distribution.
	That's all you're doing.
	So that is just a non-taxable shareholder distribution.
	That doesn't qualify as payroll.
	So what you have to do, and what I would recommend doing, is just get your local ADP or Paychex payroll representative and say, listen, are you the only employee of the business?
	Yeah, I'm going to add somebody else and a few.
	I just got to find, because when I add somebody else, the total worth of the business is going to double.
	I'm basically taking in all the work by myself, like down here in South Florida.
	I'm basically taking all the work by myself and I'm like working every single day.
	Like I literally just go home to sleep, you know?
	So I'm about to add somebody else and it's probably going to go up to like 500 to 600,000 a year.
	Like around there.
	That's great.
	That's great.
	So what I would recommend doing is getting on, you know, get a hold of your local payroll representative.
	You know, they have them everywhere.
	So you call the local ADP or paychecks, and they'll charge you maybe something like $100.
	Say, listen, I want to put myself on the books for salary, and I don't know what your distribution is.
	You said you're taking like $1,000 a week, is it?
	Yeah, yeah, yeah.
	Okay, just say, listen, I'll find out.
	Good for me, you know?
	Yeah, you just say, I want to do one paycheck to myself every week for $1,000.
	Can you set me up?
	And she's going to take care of it or he's going to take care of everything.
	Just have them handle everything for you.
	Don't mess around or try to do it yourself.
	And just pay the $100, $150 a month just to have them do everything, do the payments, do the payroll tax returns, and do the paychecks and all the IRS stuff that needs to be done.
	It's well worth it.
	But you need to do that because you're an S Corp and you're making money, you're being profitable, and you don't want to be in a situation where you're not paying yourself a salary.
	And, you know, I just wrote a book, actually, which I was going to talk about.
	So I do consults.
	You know, if you go into my Instagram and you go into my bio, I have a link tree in there.
	And you can get a consult from me, you know, half an hour, one hour.
	But if you don't want to do that, I have a book.
	It's only $44.
	I did it, and it's basically like sitting down with me.
	And I talk about the stuff that I'm talking about with you right now.
	I have that in that book.
	And it's like a 60-minute read.
	I put it together to look almost like a pamphlet or a brochure that you're getting from like a flyer basically.
	So it doesn't look like a regular book for taxes.
	So it's easy and it's got all the information as though if you sat with me and we were having a one-hour consultation and I'm telling you everything that you need to know.
	Again, I'm talking about the stuff in the book that we're going through, and it goes in there.
	It's $44.
	You just go in there, and you click it, and you download it.
	It's a digital book.
	It looks like a flyer, basically.
	You could get it done in 45, 60 minutes.
	And Steve's Instagram is seeing beyond the numbers.
	By the way, Demetrius, I've seen you a lot of times doing business, bro.
	You seem like you've got a very level head on your shoulders.
	Bro, you're going to need Steve on your side, bro, because the problem is with you, bro, is that you're making money, and you're not going to be doing it the correct way as the business should.
	And as a result, you're going to have to pay IRS a lot of money.
	Yeah. So I'll hire you.
	I'll get you under control now with Steve, either with a consult one-on-one or with a book because, bro, this is...
	Yeah, yeah.
	Feel free to do that, bro.
	I'm 100% going to do that.
	Like, right after this call, I'm 100%.
	Because I need help with that side of the stuff because, like, I do everything by myself and I'm literally, like, I literally work every day because I have so many customers down here in South Florida.
	I just work every single day.
	I have no time to breathe, no time to do nothing.
	You're the guys I love to deal with.
	You're the guys I love to deal with.
	This happened with these guys.
	They were too busy working, making money.
	They didn't have the time to do everything, so they need somebody to come in and guide them and say, hey, listen, I'll take care of this stuff that you need done in the right way.
	Keep you straight, make sure you're saving money and doing things right.
	I love dealing with guys like you because you're a business owner, you're making money, you're doing what you need to do.
	You're bringing in the money.
	And, you know, so, yeah, just go in there and, you know, link up with me and definitely I'd love to work with you.
	Yes, sir.
	Bryce, you've probably seen me a bunch of, or, no, Myron will be outside, but you've probably seen me a bunch of times in Brickle because I drive a pink BMW and I have a lot of customers there that I have to consult with.
	Really? A ton of customers there.
	Yeah. I drive a bright pink M5, so you might see me a bunch of times because I have a bunch of customers over there.
	But, yeah.
	I'm not going to hold you, bro.
	I thought it was a girl's car.
	Just not gonna hold you, dog.
	I'm telling you.
	It's a cheat code.
	I'm telling you it's a cheat code, bro.
	No, no, bro.
	I had a pink Rolls Royce, nigga.
	I know.
	I know, bro.
	It's a pink you've never seen before.
	It's a cheat code.
	Yeah, I thought it was a girl, bro.
	I thought it was a girl's car.
	You see the car?
	Yeah. I thought it was a girl's car, bro.
	Don't lie.
	Is it like my shirt pink or no?
	Nah. No, no.
	It's a vibrant.
	It like glows.
	Like it glows.
	Okay. I appreciate that.
	Could you put the Instagram again so I can type it in now?
	You put it in the chat, Mo.
	See beyond the numbers.
	Yeah, go to my Instagram.
	That's the best place.
	And just click on the link tree.
	Perfect. Thank you.
	You got it.
	You need a sample, bro.
	For sure.
	All right.
	Who's up next?
	Alright, that's his Instagram right there, guys.
	Same beyond the numbers.
	I will say this, though.
	A pink card doesn't give you a lot of attention.
	A lot of attention.
	Absolutely, yeah.
	Whether good or bad, it's a lot of attention.
	It sticks out, yeah.
	Alright, who's up next?
	We have 8669, you're up.
	8669, you're up.
	Yo, what's happening, guys?
	First time caller, but...
	I've got a little thing that I'm dealing with right now.
	My mom is getting a little bit older, and I need to put her into assisted living.
	I bought her a condo out in Las Vegas.
	Not too expensive a condo, but I bought that for her.
	Put a decent amount down.
	She's got maybe $80 or $90 in equity in it.
	I have to move her back here to San Diego.
	I can't move away because that would mean moving outside my company's Region 2 to a Region 3, which I'll lose a sizable chunk of money.
	Believe me, I'd be out of San Diego if I could.
	But the places down here are going for $5,000 to $7,000 a month, and I'm wondering how much of that I can, A, should I sell her house?
	And help pay for the assisted living, or B, rent it out.
	And then the other question is, can I deduct any of that money in my taxes each year because I'm paying for her to live?
	She's on like $1,400 a month Social Security.
	So, yeah, so if you're covering her expenses, unfortunately, no.
	So you can claim her on your return, though.
	You could take her as a dependent, right?
	Yeah, you could take her as a dependent, absolutely.
	Now, the fact of you having the condo, or her having the condo, and selling it, and you're saying, like, is there, like, what can you sell it for, if you don't mind me asking?
	It's kind of out in the sticks.
	I think they're not going for that much.
	Maybe, like, $150, $170, thereabouts.
	And she owes $90 on it?
	Yeah, she owes about $90,000.
	I mean, I could probably pay it off completely and rent it out, but I really don't want to go through all that, and the rents out there are super cheap, so I don't even know if I'd be making my money off it.
	You're not there local.
	That's probably not enough cash flow with all the other stuff.
	Yeah, so if you sell it, and then if she owes $90,000, what are you going to make maybe $50,000, $60,000 on it?
	I don't know, after you pay your commissions, potentially.
	Yeah, I mean, I guess you could take that and you could start to use it, but that's going to be used up pretty quick.
	If you're talking about the places and where you're at.
	So versus being, you know, talking.
	So I guess you mentioned the price because in your jurisdiction where you live, the prices of the ALF service is assisted living you're talking about?
	Yeah, it's limited assistance is what she needs or like just a retirement village type thing.
	She's just getting too old to be by herself.
	Yeah, so they're just a little bit more pricey, I guess, there than they are in Vegas.
	Yeah, everything out here is super expensive.
	That's a tough one.
	And then you get the loss of income if you go to her jurisdiction.
	Right, it's not going to work either way for me to make out on it.
	I think I'm just going to cut some of my ESPPs and bite the bullet on it.
	Yeah, yeah, I mean, you're going to bring her to San Diego, then yeah, definitely sell the property, because I don't think that's going to be worth it for you to manage that from there, and then, you know, if you're just getting so little for the, it doesn't, you know, I don't know, it doesn't make sense to, well, I don't know, so you said you could pay it off?
	Yeah, I mean, I got cash out of pocket that I...
	If I wanted to dip into some of my RSUs or something like that, I can definitely pay it off.
	But, I mean, is it going to be worth it, you know?
	Yeah. Because my RSUs, I mean, I sold them at the top of the market, but our company is going through the roof right now.
	I mean, we got like a 12% return in the last three days.
	What do you do for it, man?
	I am a...
	A specialized computer engineer for a Fortune 100 company in their, supporting their AI division.
	Nice. Yeah, so you're right where you want to be.
	Yeah, so just make the money, get rid of the property.
	That's a headache, probably.
	Cash it out, use the money, you know, to help pay your mom's bill and just go from there.
	That sounds like, yeah, don't put your money out of your retirement, yeah.
	All right.
	Well, hey, I do have to say, that's where I'm going.
	You guys red-pilled me.
	I appreciate it.
	You opened up my eyes, and thanks, Myron.
	Thanks, Fresh.
	It's been great to see this whole thing.
	Hey, man, glad that we got you off the plantation.
	Who's up next?
	And I am black, so...
	Yeah, man.
	So many guys, bro, are blue-pilled.
	It's actually fucking crazy how many people are blue-pilled idiots.
	All right, who's up next?
	Next up, we have 3138.
	You are up.
	3138. You are up.
	3138. Hey, how's it going?
	Can you hear me?
	Yes. All right.
	I'm an out-of-state investor looking to buy a duplex or triplex of house tax in Ohio.
	I was wondering, do you recommend bringing a general contractor for the walkthroughs?
	Just so you understand, you just said you're looking at a house tax and you're an out-of-state investor.
	Well, guess what?
	You're going to be in-state because you're going to have to live in there.
	Yes. Yeah, but I'm just letting you know that I'm starting out of state.
	Like, I don't live there.
	I'm not physically there at the moment.
	So are you prepared to move to Ohio and live there for a year?
	Yes, sir.
	All right.
	Cool. So what's the question then?
	Do you recommend bringing a general contractor to the walkthroughs when we're looking at properties?
	Yeah, you can.
	Yeah, that's not a bad idea.
	Bring someone that you trust and you know that will get in like...
	Yeah, that's not a bad idea at all.
	Because, I mean, you're going to have to run an inspection anyway, but if you want to bring your general contractor there to see what might be problematic or not, that's a good idea.
	Do you know what questions I should be asking when looking for general contractors to go ahead and vet them?
	Oh, you don't have one already?
	Not yet, no.
	I would say go through your friend network, man, first.
	Okay, I don't have any friends in Columbus right now.
	It's just my real estate agent.
	I do trust him though, so I'll go ahead and use his general contractors.
	How'd you pick that area that you had to move to, like to invest and buy two blacks?
	Yeah, that is interesting, yeah.
	Randomly in Ohio, right?
	You know people there or something?
	What's the lure there?
	No, Columbus is just appreciating like crazy right now.
	Okay, so it's the market.
	Yeah, so you just basically, you know, I guess just go in there and if you talk to a real estate agent, she may have some connections with some of the contractors in there that she knows.
	She can maybe ask around to find a couple of, you know, maybe you can find out a couple of two or three reputable contractors that you can just bring through the property and just say, hey, you know, I'm thinking, you know, if it needs work, they bring them through and just give you an estimate and see what they do.
	And then you could test them out that way.
	Yeah, in your current scenario, bro, you don't know anyone in Ohio, so you've got to rely on your realtor that knows people probably in that area.
	Yeah. Okay.
	All right, a follow-up question for Steve since you're here.
	What questions should I ask a CPA to go ahead and vet them once I need them?
	So what kind of work do you do?
	I do out-of-state construction.
	Oh, so you're a construction guy.
	So what do you need a guy to go with?
	Yeah, what the hell?
	You should know.
	No, no, no, for the actual properties once I get into all that.
	Got it, got it.
	Yeah, but you should still have a clue, though.
	Yeah, bro, you can do the inspection yourself.
	If that's the case, goddamn.
	You don't need nobody, bro.
	It was a second eye.
	Once you get your feet on the ground in Columbus, then what you want to do is you want to ask around to those construction guys and say, hey, we're in the same line of work.
	Who do you use?
	And they, you know, and if they feel good about their accountant, they're going to, you know, oh, yeah, I love me.
	My guy's great here.
	And, you know, you could try to get a referral from one of those guys, you know, because typically they'll be dealing with a CPA that kind of knows them and knows that industry that's related to what you're doing.
	That's what I would recommend.
	So when you talk to those contractors you're bringing up through, say, hey, do you use the CPA?
	And, you know, could you mind giving me their name?
	And do that for every one of the guys.
	Okay. Alright, and then what about a question for Myron?
	What about handymen?
	How do we go ahead and vet them?
	Or what are red flags that you want to look for when it comes to them?
	Well, I mean, you obviously don't pay them up front.
	You've got to pay them, you know, you give them a portion up front and then you don't pay them in full until the job is done because a lot of these contractors are scumbags.
	This is why it's so important to have word of mouth and then hopefully a real estate agent will be able to, you know, know some people out there.
	In Ohio that you can contact.
	Luckily for you, you know, the Midwest is a lot cheaper than, you know, the Northeast.
	So you should be able to get things for a fair price.
	But that's what I would say is like some of the most important things is, you know, make sure you don't pay them up front.
	And then, you know, you typically want to use a contractor that you can do everything with because they typically have contacts as well.
	Does that make sense?
	Okay, cool.
	Yeah, I appreciate this.
	All right.
	That's all I got, guys.
	Because that contractor is going to have a roof guy.
	He's going to have a plumber guy.
	He's going to have an electrician guy.
	Like, they typically already have their network set up, so...
	All right.
	All right.
	Thank you, guys.
	All right, man.
	All right.
	Who's up, Dex?
	Sorry, guys.
	I haven't slept much.
	We have, like, an eight-hour stream last night, too.
	Yeah, yeah.
	One eight hours last night, yeah.
	W Street?
	Yeah, yeah.
	Covered the big U thing, man.
	Yeah, that was a good one.
	Yeah, he's cooked, bro.
	Oh, man.
	I wrote through that criminal complaint and that nigga's air fried, bro.
	Okay, next.
	He's gonna die in prison, bro.
	Damn. They got a lot of info on him, man.
	He's cooked.
	Yeah. Yeah, the FBI was watching all his shit.
	Who's up next?
	5-1-1-9, you're up.
	5-1-1-9, you're up.
	Yo. I wouldn't bother with it.
	What state are you living in?
	I'm in Jersey.
	Just do it in Jersey.
	Yeah, because you're just creating a whole other...
	It's a small business.
	It's just a detailing business.
	These are structures that people want to do to hide their wealth and hide...
	When you get to that level...
	I have a Delaware thing, but yeah.
	You had a big attorney, and you had a bunch of properties and assets and all that stuff.
	You got to that level, and then it made sense.
	You're not there yet.
	If you have a chain of detailing and you've got 100 plus employees or something like that, then that's the time to sit down and have the discussion.
	Right now, no.
	Just stick to the state you're in and don't go for these big sets.
	You're not there yet.
	A lot of people just put the cart before the horse.
	You don't need to do that stuff.
	So it's not much like a tax saving when you do it?
	No, it's just an extra thing.
	And then you've got to deal with Delaware.
	And then you've got to deal with Jersey still.
	No, you're just making a mess.
	And you don't need to do that.
	Just focus on doing your business.
	Get a guy locally that does that.
	Get it all set up locally in Jersey.
	Get all your licensing and everything right.
	Just do it that way.
	Alright, I'll do that.
	Alright, cool.
	That's pretty much it.
	I appreciate it.
	All right, brother.
	Take it easy.
	Well, who's up next?
	And we're just knocking them out today.
	646-490-0394, guys, the question asked.
	We got Steve from Accounting in the House, man.
	This is probably one of the best people to ask.
	Tax questions, etc.
	He can help you guys out.
	Happy to have him.
	So, he's our accountant as well, so he can really give you guys some sauce, especially for the entrepreneurs out there.
	646-490-0394, if you want to cut the line, just put the last footage of your phone number in the Super Chat, guys, and we'll get you in.
	Go ahead, Mo.
	7871, you are up.
	7871, you are up.
	Hey, how you guys doing?
	You guys hear me?
	Yo, what's up?
	Welcome to the show, bro.
	What's your question?
	What's going on?
	Hey, Big Mo, it's Weston, man.
	Yo! But I just wanted to clarify a couple things regarding the individual that called in talking about the VR&E program, the veteran, or not VR&E program, the VTC.
	VTC. Yeah, VTC, Veterans Treatment Court.
	To verify that information, it is contingent upon the participants.
	So as long as the individual is participating and behaving properly, you have to go through whatever, how long that program is, the 12 or 18 months.
	You have to go into your monthly meetings, and then they're basically monitoring everything that you're doing.
	It's kind of like having a, how do I say this, a probation officer.
	So you have to report to them.
	You have to give them all that information, like tell them everything that you're doing.
	Don't ask how I know this.
	I may or may not be involved in the case myself, but it's just confirming all of that information in addition to that.
	So you can be a convicted felon and still serve in the armed forces, is what you're saying?
	Correct. In addition to that, with a felony conviction, there is no such thing as...
	Hiding your record or, I mean, yes, there is sealing it, and that does make sense for the civilian world.
	However, for federal agencies and federal hiring organizations, they see it, no matter what.
	Like, if you got arrested, even if it's for minor, minor things, they're going to see it.
	There's no, I mean, there really isn't any...
	Is that really truly expunged, is what you're saying?
	Yeah, it never is, yeah.
	It always is.
	So I guess we have to interpret it as like, I mean, how do we even define expunging?
	That's not really accurate.
	You can, sure, you can quote-unquote expunge it.
	You can quote-unquote feel it.
	However, somebody filed it.
	Somebody has access to that file, and somebody can see it.
	And it has to be, and typically...
	So, alright, basically, so you're saying that they can, for certain felonies, I don't know if it's all felonies, you're saying they can still serve in the military, but they have to go through this VTC program?
	They can.
	They can, however, you also, with recruiting methods, recruiters can get waivers.
	You can get waivers for, I mean, it seems like you can get waivers for just about anything, the way that recruiting has been explained to me, and from my experience serving on active duty, I served on active duty for six years.
	In the U.S. Air Force, but that's a separate discussion.
	That's just to give perspective on my experience with it.
	However, waivers can be written.
	Waivers can be produced.
	However, basically what I'm calling it is to clarify and to let people know, like, hey, don't think that, you know, if somebody is telling you, like, oh, you just have to do this program and you'll be fine.
	Like, don't be sold on a dream, on a, how do you say, don't be sold on wishful thinking.
	When going through this program, you have to cooperate.
	You have to follow the rules.
	People can still see your record, especially if they're federal agencies, and you have to cooperate with that, and basically you're praying for the best.
	And regarding that individual trying to commission as an officer, very, I hate to say this, very, very little chance, very little, that you're going to commission as an officer with a felony conviction, even if you go through that program.
	All right.
	Fair enough, man.
	Thanks for the info.
	Good update.
	Yeah, so I guess you can do it, but I guess it's subject to a bunch of strict rules and regulations.
	You're subject to a lot of scrutiny behind closed doors.
	All right.
	Thanks for calling in and clarifying, man.
	Number to call into the show, guys, is 646-490-0394.
	Again, that number is 646-490-0394.
	If you guys want to call into the show, get a chance to talk to a tax professional, Steve, a.k.a.
	Steve from accounting.
	Yes, one of the best.
	One of the best, for sure.
	And it's funny because they call him Steve from Accounting because, you know, the red pill jokes.
	Yeah. He is the Steve from Accounting.
	Kevin from Sales, yeah.
	Kevin from Sales.
	Kevin from Sales, as Donovan Sharp would say.
	Then you got Steve from Accounting.
	Yeah. Remember Kevin from Sales?
	Yeah, yeah.
	Donovan Sharp said that shit funny as hell.
	That'd be Donovan.
	Yeah. All right.
	He'll be here next week, actually.
	I think so.
	Probably have him on.
	Who's up next?
	We have 8355, you're up.
	8355, you're up.
	Good evening, Vince.
	What's up, man?
	What's your question?
	I would like to know, I read a headline seeing that Trump would eliminate the federal income tax for people making under $200,000.
	I made $64,000 last year, and I still have my back taxes.
	Should I wait to see what happens with that before I pay my taxes?
	No, because you're going to be taxed according to the rules that were in play on that particular tax year in the calendar year.
	So if you have back taxes, I would take care of those ASAPs.
	I was trying to finesse, man.
	Yeah. No, it's not like you could push them forward.
	Those rules don't go retroactive.
	As I haven't passed the balances and saying, hey, well, they're changing the rules in the future.
	Pay these old taxes?
	Yes, bro.
	I think it was $150,000.
	Was it $200,000?
	I thought it was $150,000.
	I don't know.
	I've got to look at it.
	I thought it was up to $150,000.
	I have a second question.
	In about a year or so, I'm about to move to Massachusetts.
	After two or three years of being there, I wanted to purchase the apartment building that I'm going to be staying in with the FHA loan.
	I plan on purchasing it from my parents.
	What would be the best way to go about doing that?
	You're trying to buy a condo in Boston?
	Or Massachusetts?
	My parents are in an apartment building, so I want to purchase it from them with the FHA loan.
	Are you trying to cash them off?
	Wait, hold on, hold on, bro.
	Yes, sir.
	Oh, okay.
	Here's the thing, bro.
	If you're going to buy it with an FHA loan, that means you have to live in it.
	You can't buy it for your parents.
	That's number one.
	Number two.
	Are you buying a unit, or are you buying an entire apartment building?
	It's like a four-unit building.
	They want me to come stay there.
	Eventually, I want to buy it.
	I mean, if I persuade them to come with the right plan, I'm sure they will.
	So, can I ask you a question?
	Do they need the money that you need to get an FHA loan?
	They want to be cashed out and they want to take the money?
	Or is it that they can do a seller financing?
	No, that's the easiest thing to do.
	So you don't have to go through all the paperwork and pay all the fees and everything.
	So he's buying it from a family member?
	Yeah, his parents.
	Okay. Yeah, so why don't you do seller financing with them?
	Have you guys discussed that?
	Oh, he's purchasing it from them.
	I thought he said for them.
	No, from them.
	From them.
	They already want it.
	Yeah. They already own it.
	They own it outright.
	I don't know if you...
	Did you hear what I said?
	The question was, do they need the money that you need to cash them out and remortgage the place?
	I mean, they're getting older.
	They're retiring to Florida, so I just want them to have some extra income.
	Well, they don't necessarily need it.
	They can get income from you if you buy it from them and structure it as a mortgage, sit down with an attorney, and do an amortization table, and then you're paying them, principal and interest, back for the loan.
	They basically become the bank.
	That's the easiest thing to do, and it's quick and easy.
	And, you know, you just...
	So he basically, they become the bank, and he pays them a mortgage.
	Yeah. Is it paid off?
	Not bad.
	For them?
	It is.
	Yeah, it's completely paid off.
	Oh, yeah.
	So just have them sell or finance you, and then you're paying them every month, and so they have a stream of income.
	Good idea.
	Just hire a real estate attorney, pay them the fees, and you should be good to go.
	Yeah, because your family will basically become the bank, bro.
	You just pay them every month.
	And you could get a better rate, probably, too.
	You know, I'm sure if it's mom and dad, they might help you out on that one, too.
	Yep. Boom.
	There you go.
	So with that being the case, could I use my FN share for a different property, then?
	Yes. But then you've got to go live in that property too now.
	Yeah. So whatever FVHA you've got to do.
	I mean, that's fine.
	Yeah. So, yeah.
	Then you start to amass your real estate portfolio.
	Good shit, Bill.
	All right, gentlemen.
	Thank you.
	Good shit, Bill.
	I did get that second job, Myron.
	I got most of my other debt paid off.
	I'm just dealing with this IRS stuff now.
	All right.
	Working seven days a week.
	All right.
	We're getting there.
	Bro, your charisma is crazy, bro.
	I'm gonna lie.
	I'm inspired.
	Thank you, James.
	No problem, man.
	All right, you take care.
	I'm starting to see my way.
	All right.
	Cool. I was kidding, by the way.
	Oh, you're crazy.
	Trinidad and Tobiego.
	Man, oh man.
	All right.
	Who's up next?
	Keeping it real?
	Niggas from Trinidad are rich, bro.
	They got oil money.
	Really? Yeah.
	I mean, not him, but his parents, though.
	Ballin', probably.
	646-490-0394, guys.
	Call into the show.
	Last four of your number.
	Who do we got?
	We have 7534.
	You are up.
	7534. You are up.
	Do you hear me?
	Yeah. Awesome.
	Yeah, I'm a single father of four kids, and I make around about a little bit over 60 per year without overtime.
	If I had overtime, it'd be around 75. So I'm just trying to see if there's any resources out there for me to make some more money, because I'm kind of limited on what I can do with being a single father.
	Why? Why?
	What's the age group of the kids?
	Oh man, seven and under.
	Do you have a family member that can maybe help you with babysitting?
	Maybe your mother, maybe your father, maybe the mother of the child?
	The mother of the child is a deadbeat.
	That's rare.
	Yeah. I'm lucky I got my kids.
	What about your parents or cousins?
	Is there anybody else in the family that can help you that's nearby?
	No, both of my parents died over the past three years.
	I'm originally actually from Bradenton and Sarasota area, so that's where I actually grew up.
	But no, I have no family.
	I live in Indiana now, so I have no family at all.
	I'm just here.
	I work for a limestone quarry company, so I make all my money.
	And we're getting by.
	I have no debt.
	Bro, this is going to suck, but you're going to have to hire a babysitter, man.
	It blows, but find someone that you can trust, that can stay with the kids at the house, and you go pick up a second job.
	I mean, it's either that or you can try to figure out how to make money online.
	You know, there's a lot of opportunities.
	Or you can find a way to do that.
	Yeah, there's a lot of opportunities.
	And that's what I was kind of asking about the resources because I don't know, like, I thought about the homework and stuff.
	I just don't know a lot about it.
	Yeah, I mean, you really got to research it deep.
	Yeah, and have a skill set that you can sell online.
	Yeah, you got to put the time in it and maybe you got to try to test out a bunch of different revenue streams first to see what hits.
	Yeah. And then you start to focus there, you know, kind of like an octopus.
	Put the tentacles out and, you know, I'm going to try to do a little bit of affiliate marketing.
	I'm going to try to do a couple of funnels here.
	I'm going to try, you know, all the other ways you can make money and learn everything you can about AI to automate as much as possible.
	Hell, you can take our clips and make a clip channel.
	I mean, there's people doing SaaS, you know.
	There's a lot of stuff.
	You just gotta, just basically, you know, YouTube university, just try to, try to find a lot of ways to do that.
	So this way you don't have to leave the house and you have the kids there and, you know, but you got to kind of really commit to doing it.
	Yeah, the babysitter, I can understand that.
	he's just talking a lot of plays I know I mean four kids I feel for you yeah I've scratched and crawled I mean, I went a whole year without having a job because of my ex-wife and all that.
	But, like I said, we're surviving.
	I mean, we have some in extra just because I don't have any debt.
	So, I mean, that plays a huge role in our life.
	But, yeah, I'll look into the online thing.
	Something I was thinking about was, like, maybe, like, because I have kids and whatnot, like, just looking for, like, Kids' clothes, just reselling them or something like that.
	There's so many different opportunities out there, yeah.
	So, I mean, who do you, like, you know a lot of people in that space, don't you?
	I feel like you do.
	Yeah, we had, what's it called?
	Starts with a K, the Amazon stuff.
	Oh, KT Hustles.
	Yeah. Yeah, bro, watch our Money Mondays, bro.
	We have a lot of people, guests, come on the show to help you guys.
	Yeah, we had KT Hustles with Amazon stuff.
	Selling up an Amazon store.
	Yeah, e-commerce, affiliate marketing, ATM machines, Bitcoin machines.
	We have a lot of Money Mondays to help you with that stuff, for sure, to open up your horizon of career paths.
	But, having 4Ks, bro, okay, this is unconventional, bro.
	Don't take this for the gospel, but listen, if I were you, bro, that was your scenario, right?
	I know this is kind of crazy, but this is what may work for you.
	If you're smooth with it, you find a shorty, You can trust.
	Oh, dude, I thought about that.
	They're all fucking crazy.
	Hold on, hold on.
	Let me finish, nigga.
	Let me finish, man.
	Dude, I try.
	Like, I've had women out offer me to, like, hey, let me help you with your kids.
	And I'm like, nah, you drink too much.
	Yeah. I'm going to lose my kids.
	Again, again.
	And when I say trust, the term is used lightly, okay?
	But at least they can get the job done.
	While you're out there making the money and doing what you need to do.
	But again, you've got to vet them for a period of time and make sure they're not crazy or they drink alcohol or do drugs.
	But again, it's going to be more of a giving than a taking at that point.
	And of course, you've got to grease the wheel.
	But it might work.
	I don't know, guys, in your scenario, bro, not as bad, but they got like one or two kids.
	They met a shorty that they messed with a little bit.
	She takes care of the kids.
	They work.
	She loves him, and it works out.
	But then again, bro, this is all contingent upon her being trustworthy to an extent.
	Of course, it's a woman.
	But, you know, for the time being, at least.
	You know?
	Yeah, and I'll be honest with you.
	I feel bad about doing that because I'm just playing.
	Like, I thought about it.
	I told you, I thought about it.
	Not bad women offer with it, but it's just, I think, like...
	Yeah, I mean, obviously, this is a last resort.
	I'm just saying, as just being trying to be funny here a little bit, but, you know.
	Like you said before, hiring a nanny would be the best.
	But then again, you can hire them and it can still be bad, too.
	So, bro, you never know, bro.
	Yeah, I don't know.
	I'm in a different space right now.
	I had a friend, actually from Kansas, he moved here with his son, and he hired a nanny, and she was actually the devil's spawn, bro.
	She would stay home with his kid, do toosie, bring her friends over while he was away, and party at his crib.
	Niggas will smash her, too, on the couch.
	Oh, Jesus.
	Yeah. He ended up installing a camera, actually, from a friend's device and caught her doing the act.
	Wow. And he was paying her a good amount of money, too.
	So, I mean, bro, you never know, bro, nowadays.
	Yeah, like you said, you really got to vet them.
	You're going to have somebody, you know, taking care of kids.
	You really want to vet them out.
	You've got to vet them out.
	Can I just say one thing for men out there that have kids and they're in a relationship and stuff like that?
	Yeah. I mean, you've got to be very careful who you choose.
	Oh, yeah.
	Pro, trust me.
	Very careful.
	Nigga, I know.
	Very careful.
	I got lucky.
	I got lucky.
	I don't got to pay child support.
	I got lucky.
	Well, you're supportive of kids 100%, so you're paying child support.
	But, you know, you're taking care of business, so, yeah.
	It's unfortunate.
	It happens.
	At least you're not Dr. Omar.
	Well, I appreciate the advice.
	I listen to Byron.
	I listen to your show all day at work today with the whole investigation with that guy and all the, yeah, the eight-hour podcast.
	I listen to it all day at work.
	I appreciate it, man.
	It's very enjoyable to listen to and I appreciate what you guys do.
	Thank you, man.
	We try to give you guys diversified content, bro.
	True crime, political discourse, help you all out with financial shit.
	So that's what we're trying to do, man.
	Most diversified YouTube channel, man, by far.
	No one comes close.
	Facts. Wait, you don't know the lore of Dr. Umar and his kids?
	No, what happened?
	Let me fill you in real quick.
	This is very good, actually.
	Well, no, I'm good, because I wish him the best, though.
	So recently, he's been exposed by his daughter.
	And she said in a video saying, Dr. Umar has not seen me.
	He doesn't take care of me.
	Quite frankly, he's a deadbeat dad.
	Now, allegations, accusations could be this story, but...
	Accusations! You know, her side of the story is kind of the golden goose here.
	But he responded and said, listen, I've been trying to see you, but your mother's been being mom number two.
	This has been an a-hole.
	I'm paying child support, but I can't see you.
	How does it work out?
	But now you're telling the public this, I'm going to fight even harder to get you.
	But I'm like, bro, if you were trying to get to your daughter and you need her to talk about this on the internet for you to act harder, it's kind of like, eh.
	Anyhow, long story short, he's been talking about this for a while with his daughter back and forth, and this lady came out on TikTok and exposed him, saying that, like, oh, I met him back in the day, da-da-da.
	He's been getting funding for his school, and the school's never been fully finished, and he said, in short, someone from his team, his accountant, stole the money.
	Oh jeez.
	And ran with it.
	Cooked. So, I know what's happening there, with his backstory with his kids, but what I do see is that, like, for whatever reason, he can't see his kids, and he's been trying to get, I guess, to some level, see his kids, but the baby mamas are giving him like hell, I guess.
	So. Yeah.
	Yeah, it sucks, but that's not a good place to be in.
	At all.
	Not surprised.
	These race niggas always be drifting on something.
	Who's up next?
	They'll always be grifting, bro.
	Yeah. Hopefully it works out for him, but...
	Yeah. Yeah.
	We have...
	How many kids are scary with the wrong person, bro?
	Holy shit, bro.
	7-3-1-4, you're up.
	7-3-1-4, you are up.
	Put my sperm in a glass vase.
	Yo. What?
	Yo, what up?
	Heat it up.
	Yo, how you guys doing, bro?
	What's going on, man?
	Good, how you doing?
	Hey, first thing first.
	Somalians are better than Barbadians and Estopians.
	Whoa! Whoa, whoa, whoa!
	Stop the show!
	What? In what planet are you on, my guy?
	Hold on, hold on.
	That's the first thing.
	Hey, that's the first thing.
	But second thing, hey, Myron, I'm in college.
	I'm a college athlete.
	And basically, my major is criminal justice.
	I'm trying to follow, like, how do I be in that field, like, FBI?
	I'm a junior right now in college.
	Where do you go to school?
	What should I do?
	Like, San Diego State University.
	That's a sucky school, bro.
	It's better than Northeastern.
	He's like, yeah, I'm a flex now, nigga.
	He said better than what?
	Somali! Northeastern.
	Hold on.
	It's not better than Northeastern at all, my nigga.
	Look, bro, I would say this.
	I would go and I would intern at all of the local law enforcement agencies in your area.
	Apply to FBI, Sheriff's Office, the state police barracks that's out there, local police.
	Apply to intern at all of them and take all the civil service exams and or police tests that you can.
	Their acceptance rate is 34%.
	34% is crazy.
	My school got a 7% acceptance rate, man.
	Your shit got 34%, man.
	That means one in three niggas gets in, bro.
	I'm good.
	Hey, we're better school than you guys, though.
	Hey, we're better school than you guys.
	You're not.
	You have a higher acceptance rate, which means, by definition, y'all niggas is trash.
	Actually, he's going to get hired.
	I didn't go to the school for education.
	I went there for football.
	I played in the FBS.
	Oh, there you go.
	Oh, excuse me.
	Now it explains why you go to a retard school to go out and play sports.
	No. So just accept all the interns you're saying?
	Yeah, well, apply to intern for all these different law enforcement agencies.
	Get yourself out there.
	That's the best way by far.
	Okay. And, like...
	Because I think I have one lined up, and they're saying they're not going to pay me.
	Just take it either way?
	Take it either way, bro.
	Yeah, the experience.
	To get the experience, take it either way, bro.
	A lot of them are not going to be able to pay you.
	I'll keep a thousand with you.
	But take it either way.
	Okay. Football, though, you guys are pretty good.
	Appreciate it.
	Hey, Fred, hey, you ugly as hell, bro.
	I appreciate it, guys.
	Just like you, nigga.
	Somalian. They're actually on the map, too.
	Barbadian. Hey, nigga.
	It's Bajan, nigga.
	Get it right.
	Coconut. Hey, coconut.
	Hey, coconut boy.
	Somalian pirate.
	Get back on your ship, boy.
	Look at me.
	Coconut. I'm the captain now, nigga.
	Look at me.
	Me bamba clock.
	That's Jamaican, nigga.
	All right.
	Get out of here.
	All right.
	Who's that next?
	Yo, okay.
	So, just keeping it real.
	When someone says, oh, you're from Barbados.
	What do they call you?
	It is Bajan.
	Normally, it says Barbadian.
	It's like a secondary thing you would say if you're not.
	Educated. It's Bajan.
	Bajan? Yeah, Rihanna's Bajan.
	Bajan. Yeah, you gotta say Bajan.
	Cheese on bread, your rice horse.
	So he's inexperienced.
	That is his lingo.
	But it's fine.
	He's Somalian, so it makes sense.
	Alright, who's next?
	Alright, we have...
	8-9-9-0, you are up.
	8-9-9-0, you are up.
	Yo, how's it going, guys?
	First time caller.
	Long time listener.
	Been listening to this show since about 2019.
	What's up, man?
	How you doing?
	Well, guys, appreciate you guys taking the call, man.
	A little bit of my situation.
	I'm 29 years old.
	I work in IT.
	Just purchased my first home.
	Just recently had my first kid.
	So really with this first home purchase kind of cleaned me out a little bit, but I'm looking to get back into, you know, saving.
	Like I said, I work in IT.
	I work for a software company.
	I'm a project manager.
	So really just working on the grind, man, and really just looking forward to really investing a little bit.
	I'm always tuning in to your guys' show, and really when it comes to investing, kind of in the dark here, I'm really just kind of a saver, you know, always.
	Saving up for a rainy day.
	Always investing in really a savings account.
	I have a Roth IRA.
	I don't really fuck with 401k.
	But really just kind of wanted your guys' advice.
	You know, Myron, I know your expertise is really in the real estate business as well as, you know, criminal law enforcement.
	I've been a fan of yours for a while.
	Really just kind of wanted some insight in terms of what your guys' advice would be to kind of secure my assets.
	Recently purchased a brand new vehicle as well.
	So I'm just looking to...
	Do what I can in terms of financial security and wanted your guys' input on that.
	Well, the biggest thing, bro, is getting a skill set, man.
	So you said you work for an IT company?
	Did we lose them?
	Yeah. Currently, I'm in IT.
	Do they have a 401k?
	Really doing trainings on software, kind of things like that, you know, initiating calls, really managing projects from base.
	So just to recap, he bought a new house, has a new kid, has a new car, works in tech, and he's like a software project manager.
	So he does have a skill set, but I would say...
	The question here is more, what's the investment do?
	He's trying to get financially, you know, level up.
	So you mentioned something about having a Roth IRA.
	How much did he make a year?
	How much did he make a year, bro?
	Roughly. Yeah, last year I made about 80K.
	So I do a lot of travel for my position.
	That's really where I get a lot of bonuses.
	But I would say base level salary is about 65K.
	And then, you know, really just working on bonuses after that.
	So did your company offer a 401K?
	They do, yes.
	Okay, and do you participate?
	I don't, no, sir.
	Okay, so you should, because you're doing a Roth, I get it, and that's nice.
	At least match.
	And if they do match, max it out, get the match, because that's just free money.
	Yeah. So I would do that.
	I would start there, if you can afford it, you know, based on your lifestyle.
	You said you had a child?
	Yes, sir.
	Just recently, within the past few weeks.
	Okay, so...
	Are you married?
	I am, yes, sir.
	Okay, so, yeah, so I would start there.
	His wife might work, too.
	Does your wife work, too, bro?
	Yeah, she's actually a nurse, but I wanted her to kind of take some time off.
	She's back in school, going for another degree.
	What's wrong with you, bro?
	All right, how much does she earn?
	You said how much does she earn?
	Yeah, or you said she doesn't go to work right now, right?
	She's in school?
	Yeah, yeah.
	She recently quit her work, but yeah, she was making, I would say, about $75 to $80.
	Okay, so you basically cut your income in half.
	Yeah. Yeah, I mean, bro, I would say pick up another gig, bro, because now you can work more since she's home more.
	She could be with the kids and you could work another job.
	Yeah, because at $80,000...
	And you have a skill set, so maybe you could use that skill set and get another gig.
	Yeah, you know, I've been really kind of looking into other opportunities because, you know, I work from home and then, you know, like I said, I travel a good bit too.
	So I'm trying to find a more stable, you know, work from home job with a little bit higher salary, you know, maybe with all my travel.
	Oh, I got you, bro.
	So since you work from home and you can do projects on the go, you should get actually certificates.
	So what you can do as someone in IT, you can level up your actual pay skill and expertise.
	With a CERT, which just means, for example, you go online and you're, I want to say, expertise for cybersecurity, your project management.
	I think it's called something with a P in it.
	I forgot the name of the CERT.
	PMP. There you go.
	PMP. I'm actually working towards it.
	Nice. I'm trying to get it within the next few months, but it's kind of taking longer than I hope.
	So you can bump your salary from $80,000 to $100,000 plus easily with that CERT and find way more jobs.
	Because, obviously speaking, it's a thing to get once you get it.
	You're in more demand and more control.
	So I'll work on that.
	And then the next step would be, again, maybe getting into a different cert.
	But for the most part, that's where you want to start off, at least at this point.
	So, not bad.
	Okay. No, no, I really appreciate it.
	And, you know, one question I wanted to kind of direct toward Myron, just because Myron, I know you.
	You own a lot of properties, and you're really heavy in the real estate game.
	From someone who's trying to get their head a little bit more secure in the real estate game, I'm hoping to, after I stay in this property that I just purchased for a few years, hopefully rent it out, have someone take care of the mortgage.
	But I really wanted a little bit of advice of how you scale from one property to another.
	Kind of your mindset on that.
	I just save all my money, man.
	I keep spending to a low.
	I buy things only if I really need them or I buy for the business.
	But other than that, bro, just really what it comes down to is spending a lot less than I make.
	That's really what it comes down to when it comes to being able to invest and make money.
	Spend as little as possible, invest the difference, and then, bam, profit.
	Now, with that said, right, the more money you make, the faster you can do this, but I think the biggest thing is minimizing costs.
	I know you got a family and everything else like that, but anywhere that you can cut costs or make more money, they'll help you quite a bit, bro.
	That's critical.
	Did you do any cross-collateral stuff on your deals when you were going to do a second or third or fourth property?
	Oh, I haven't needed to, but that's something that's always been available.
	Okay, that's good.
	That's good, actually.
	Each deal is standalone on its own.
	Yep. Nice.
	Cross-collateral, what you're saying, guys, is me basically using the property that I already own as collateral to secure a loan.
	I haven't had to do that yet, but that is something as well that you can do down the road, which for you, you said you own a home.
	That is something you could do down the road, potentially, if you have enough equity in it where it makes sense.
	Got it.
	Got it.
	Okay, no, that's impressive that you didn't need to do that just because I know of a few people in the real estate game, and that's kind of how they kind of leveled up.
	So it's really impressive that you didn't even need to go that route.
	You're going to have to be frugal for a period of time and save some money, but trust me, dude, it's worth it, man.
	No luxury items.
	I've told you guys before a million times, I think most luxury items are a scam anyway, whether it's fine dining, luxury carcass.
	I can confirm.
	It is true.
	You lived it.
	Tell him!
	He would call me up, and I'd talk to him and say, oh my god, I just got another role.
	I'm like, what are you doing?
	You already got one.
	Like, stop, stop, stop.
	But it's a write-off, right, Steve?
	Huh? It's a write-off.
	It was a write-off, but then...
	It was a write-down.
	To see, here's what I've learned from being a nigga.
	No, no, just keep it real quick.
	No. So, listen.
	I've done everything I've wanted to do since I'm having money.
	Travel, girls, lifestyle, cars, luxury items.
	And from my experience, my King Solomon wisdom, I've realized after two years.
	You're still the same person.
	I know, but hold on, I'm getting old.
	I'm 32, bro.
	I got some gray on my beard now.
	I've realized, bro, the fine dining is a scam.
	You know why?
	I had a home-cut meal today.
	It was better than that.
	You know what it cost me?
	I don't know.
	Who cooked it?
	Nothing. Just the grocery.
	The grocery bill.
	Well, Miss Pari from France cooked it for me.
	I bought chicken breast.
	I got two for one from Publix.
	Yeah. You know?
	So I paid for one, got two.
	I got broccoli and corn.
	The whole meal cost me $25.
	There you go.
	And that's two meals in one.
	Listen, bro.
	It tastes better.
	It's bigger portions.
	And I got a fat ass cooking the food, bro.
	There you go.
	Can't beat that.
	Yo, the nigga, the chef in the fine dining restaurant, I can't see that nigga's ass.
	Pause. I don't want to see it anyway.
	The point is, bro, it's a scam.
	300 bucks, 25 bucks.
	Also, luxury cars.
	Brother, I've been there.
	You know this.
	I save a lot of money in taxes, but we save a lot of money too.
	I'll say this, though.
	The experiences I got from it, the networking, incredible.
	But, I should be like Myron.
	A little bit more.
	But, also as well, real estate.
	Best thing I ever did.
	Property that I have.
	Big W. But, the fine dining, the lifestyle.
	Oh, one more thing.
	Luxury items.
	Gucci, Louis Vuitton, all that stuff.
	Bro, I go to Zara now.
	I'm in better shape.
	The same items you see on those walls, luxury, Louis Vuitton, all that stuff, are very similar to Zara.
	Just, oh, what brand is that?
	It's so nice on you.
	And it's like, oh, Zara.
	Oh, I thought it was Louis Vuitton.
	Yeah. So, I think just being in shape helps you with what you wear as well.
	So, honestly speaking, the whole experience itself was cool, but for you guys watching, man, you don't have to make those same mistakes that I did.
	Right. You know?
	And I wanted to experience it, and I did, and I'm glad I got to experience it, but overall, bro, all you need is a whole cup meal, a nice fat ass.
	MC Hammer.
	And one or two luxury cars that you like.
	And that's it.
	You remember MC Hammer?
	Yeah! What did he have, 56 million?
	Bro, I think you went, bro.
	But again, I can see why because you get caught up in the lifestyle and you don't want to give it up.
	No, yeah, yeah, yeah.
	But I can do it.
	Now I can go to the park with my dog, just chill, play some League of Legends with my chicken.
	Yeah. Because you've tasted that, you've had it.
	It's like, okay, it's nice.
	I've had it, but do I need to continue doing this to feel different about myself or who I am or to add value to this world?
	No, you don't.
	Yeah, you don't.
	You don't.
	Honestly, you don't.
	So, it's been fun, but...
	Yeah, man.
	That's what I'll say.
	Save that money, bro.
	Stay away from the luxury bullshit.
	It's all scam anyway.
	Yep. So, yeah.
	Alright, who's up next?
	I appreciate it.
	I appreciate it, guys.
	Alright. Alright.
	I think we got...
	We're gonna have an after hours for you guys here in a little bit.
	I'll answer a few more questions and we'll close this thing out.
	How long have you been going now?
	I was just reading that.
	It's funny, I said that.
	She's like, what does that mean?
	I think it beats me if I know.
	Alright, what do we got up next?
	We have 6889, you're up.
	6889, you're up.
	Hello? Yo.
	Hey, how are you guys doing?
	What's up, man?
	What's your question?
	I just have a quick question.
	So, I recently made about six figures on a Trump coin, and I was just wondering what's the best way of not paying as much taxes as declaring, you know, as a short capital gain tax.
	You made money on the Magda coin.
	I was trying to get that shit out without...
	Did you make it in 2024, or did you do it in 2025?
	25. No, I made it in 2025 right in the beginning.
	Okay. Alright, so just see how the year plays out.
	At the end of the year, I could give you one strategy.
	So, I don't know, do you have other coins that you have that are kind of like down 90, 80, 90% or whatever that you're just kind of hanging on to?
	Yeah, I mean, after the Trump coin, I've been playing a lot of meme coins and I think I lost like 10 to 15 grand.
	Okay, so then you could use those to harvest losses.
	I don't know what projects you're in, but you can wait to the end of the year to do it just to see where you're at, just to see how the market goes and see where you're at.
	And then right at the end of the year, because right now we have, you know, the IRS does not consider, like they don't have the tax harvesting rule where you have to like, you know, you can't do it like, it's called wash sales for stocks.
	So if you buy something, you can't buy it back within 30 days.
	So you can do that with crypto, though, because it's not considered a stock.
	It's considered an asset.
	So you can buy it back.
	You can sell it on December 30th or 31st and buy it back the beginning of the year, like on the 1st or 2nd of January, if you want those assets and you think those assets are going to go up.
	There's a lot of people with what they...
	What is that?
	Freaking pulse chain, you know, that went down.
	And then, you know, there's still, you know, you got the diehards that are going, oh, this is going to go up.
	And, you know, it's still down, like, I don't know, you know, at least 80%, 90%.
	You know, something similar to that.
	Like, if you have something in your portfolio holding, wait it till the end of the year, see where you're at, sell it.
	And if you think that thing's going to come back, just buy it back in the beginning of the year.
	And then you can harvest that loss and net it against your gain on the Trump coin.
	That makes a lot of sense.
	I appreciate it for that.
	You got it.
	All right, you guys have a good day.
	All right.
	All right.
	Cool. What else do we got?
	You got any chats there or no?
	Yeah, we can read some chats and close out because I don't know where...
	Is Chris here yet or no?
	Not yet, but we can start getting ready.
	Yeah, because we're going to get going for after hours here in a little bit.
	Master Debater.
	Hey, Myron, I watched your morning routine video, and it was very inspiring.
	Do I have to wear the Rolex while working out and showering?
	It can be quite uncomfortable.
	This guy's crazy.
	All right.
	What else do we got?
	I'm sure you already knew.
	Blue, the last dollar I gave you on Plan B, so here's one more fresh.
	Get yourself something nice this time.
	Hey, man.
	I saved you from having a kid, bro.
	It's a W. You're right.
	Steve is the best.
	If Steve is too backed up with clients for accounting, my accountant in Chicagoland area could most likely help anyone here who needs an accountant.
	I trust.
	DM me on one chest.
	APAC trucker?
	APAC trucker for my accountant's info.
	All right.
	Thanks, bro.
	I watched Fresh as a routine, but I have a question.
	Do I seriously need the bananas and Saratoga water?
	Can I use coconut water instead?
	Anyhow. WFresh, WM Iron, WBills and Moe, and L. Chris for being a bum.
	Chris at 8am.
	We do it live.
	Take a sip of Henny.
	What the fuck?
	Yo. Yep, that's his car.
	Hey, yo, Moe, put that up.
	Absolute cheat code.
	Oh, that's the...
	2023 BMW paid off fresh.
	Look over for me.
	I'm always on the road.
	So, the lore of this is that, like, a pink car does get you a lot of attention, and girls love pink cars.
	So, go figure.
	You're gonna get...
	Girls hit you up.
	Oh my god, nice car.
	I love your car, babe.
	It's like, you wanna get inside?
	Just kidding.
	But no, it does bring to your car a lot of attention.
	We're on YouTube, Myron.
	We're comedians.
	There is a method to the madness, at least.
	I get it.
	Hello, Myron.
	I heard on the last episode of Debrief, you'll be coming out to Austin next week, and I'm so mad I will be missing another chance to meet you.
	I'll be in military training next week in another state.
	Serving Benjamin.
	I see what you did there.
	Hopefully soon you guys will have a meetup in Texas WD Brief.
	I appreciate that, man.
	Yeah, I'm still, I haven't locked it in yet, but I'm thinking about going next week.
	Do some shit with Info Wars.
	But it would be like a day or two.
	I'd come back immediately.
	I'd be out there for 24 to 48 hours max.
	I think a real discussion when it comes to an expunged record is whether or not the expunged record can disqualify you from a licensed position, not necessarily whether or not it can be reviewed or seen from a government agency.
	The reason I say this is because I had a felony expunged in North Carolina.
	I was able to obtain my CCWP in Florida when I got fingerprinted.
	My record doesn't show up also when obtaining my RN license or when I do a personal FBI background check on myself.
	Interesting. Depends on the age, maybe?
	Something's off there.
	Was he a minor?
	Uncle Luke is crazy, bro.
	He gets photos in the actual super chat.
	Also, a sealed record versus an expunged record are two separate things.
	If it's a state offense, always follow up with the laws of that state in which you were convicted, and if it's not a federal crime.
	Alright, well, being convicted felon having a gun is a federal crime, bro.
	So, the state might protect you, but it's still a federal crime.
	Dan KG says, I made an LLC for my gym clothing brand a year and half ago and realized later that mine was right.
	It's difficult to build it up.
	I've had the LLC over a year now and haven't spent or made a dime last year.
	Should I disband it now and later on when I'm ready to make a new LLC for when I'm ready for something?
	Yeah, definitely, yeah.
	So, yeah, don't keep it hanging out there because the IRS is going to...
	Still be looking for filing, so just do a final on it.
	I told you guys that the Merch Gang is very difficult if you don't have a platform, bro.
	Nobody's going to buy your ship if they don't know you.
	Yeah, also, Steve spoke about it as well last podcast.
	Why start LC without making any money at all?
	Remember you mentioned that?
	Yeah. So, I mean, yeah.
	I mean, if you want to have a legitimate business that you're profiting and you're making money before you get incorporated and then go through the hassle of paying the fee, doing all the administrative paperwork and everything.
	So, yeah.
	So, definitely, if this thing is not being used, don't keep it out there because the jurisdiction of the state plus the annual report for the registered agent, they're going to look for that fee and that filing.
	And the federal, you know, the federal is going to be looking for the tax return, too.
	So just, you know, do a final, check the box final in it, and then you'll be taken out of the IRS, you know, repository.
	And they won't be looking for filings in the next year.
	All right.
	All right.
	Who's up next?
	Or, no, chats?
	Actually, there are some donations from Castle Club.
	All right.
	What else?
	Oh, on the phone lines?
	Yes. How many more?
	One or two more?
	All right, we'll knock out two more phone calls, guys, and then we're going to close out because I do got to talk with Steve about some ITAC stuff anyway.
	Yes. So, six.
	You want to do this one?
	I'll read the chats, then we'll finish off on the phone calls.
	Hey, Steve, we're constantly advancing.
	How is it affecting the accounting field currently, and what do you think will replace in the field?
	I'm currently working on acquiring my CPA out of Toronto and have some concerns on how it will affect the field.
	I mean, so the only thing I can see right now helping us do is, like, create emails and do some research tax-wise and to respond to customer-client stuff, like memos and, you know, writing to the IRS.
	But as far as, like, the automated stuff, that's already been in play, like, I'd say for the past, like, 15, 20 years, like, you know, linking your bank account with QuickBooks.
	All the data from the bank goes in there and you could link your credit cards as well.
	All the data goes into these accounting programs.
	And then intuitively, the accounting program kind of understands where certain transactions go based on their label.
	So we've already had kind of like AI.
	For a long time, so I don't know.
	I mean, I guess I could foresee the next, you know, few years where an AI can actually go out, you know, program an agent to actually look at documents, pull data off of that document and know exactly where it goes on a field.
	That's, I guess, the next step.
	And hypothetically, I guess, you know, we could see that in the future.
	But it hasn't, yeah, it hasn't.
	Had too much of an impact.
	But it's going to make a lot of the mundane tasks a lot easier in our industry.
	All right.
	Shout out to Santos.
	Gift advice.
	Subscriptions to Fresh Fit.
	Appreciate that, my friend.
	Shout out to you, bro.
	What do we got here?
	Okay. 1775 Coffee.
	Basically, guys, if you're still drinking weak corporate coffee or doing life wrong, 1775 Coffee is for men who actually stand for something bold, strong, and unapologetically American.
	It's the official coffee of Rumble, roasted fresh, none of that woke ESG garbage, whole bean, ground, or pods, however you brew it, it hits hard.
	Go to 1775coffee.com, use code FRESH for 50% off, and every dollar enters you to win a Cybertruck in 30k cash.
	Be a man, drink real coffee, 1775.
	And yeah, guys, go support.
	1775 Coffee.
	Like, you guys know Rumble's had our back.
	We've been demonetized for damn near two years now.
	Yep. We don't know if we'll ever get it back, but Rumble's been there with us.
	And, you know, shout-out to Steven Crowder, by the way, and a bunch of other guys who went only on Rumble today.
	I'll give them a Don DeMarco.
	Yep, not streaming on YouTube anymore.
	Don DeMarco.
	They're only streaming on Rumble, so we'll probably be joining here soon with that shit, man, because YouTube pisses me off, too, as you guys know.
	We just use YouTube basically to...
	Convert some more people over to the Rumble side because Rumble really is the free speech app and it's the best platform, bro.
	Definitely is.
	And I know some of you guys complain about UI and shit like that.
	Trust me, it's going to get better.
	And, you know, if YouTube keeps up the censorship...
	Bro, you're going to see pretty much all the political commentators, all the people that have any type of content that could be deemed as controversial coming on over to Rumble.
	So there's already a bunch of guys over there, man.
	So Rumble is the home of free speech.
	So support 1775 Coffee, support Rumble.
	That is the home base for us, you guys already know.
	It's always going to be our priorities whenever we stream.
	If we stream on YouTube, it's only for the purpose of bringing more people to Rumble at this point.
	Shout out to RumbleMan, AnchOzClub, and all you guys in free speech.
	What else we got?
	We have 6-9-2-3, you are up.
	6-9-2-3, you are up.
	Welcome to the show.
	All right.
	Hey, how you doing?
	I have a little bit of an issue right now.
	Basically, I have $15 million in assets.
	I have $20 million in liquid cash.
	And I just find myself just, you know, sitting inside of my mansion.
	Most of the time, just thinking about how I'm going to slap the fuck out of Myron.
	This is Millionaire Bachelor.
	The last time that you...
	You hung up on me last time like a bitch.
	Bro, you talking about your money and your mansion, bro?
	Stutter and Stanley.
	I'm not talking to you, Stutter and Stanley.
	But you're calling this show, nigga.
	So, respectfully, nigga, you're a bum.
	Stutter and Stanley.
	You're a bum, bro.
	Stuttering Stanley.
	You are a bum.
	Stuttering Stanley.
	You're calling our show.
	You don't have more money than me.
	How am I, bum?
	And you're sucking dick to get rumble deals.
	You don't know how much money I have.
	Actually, nobody does.
	You have no money.
	We appreciate the call and the viral clap.
	Thanks for the viral clap.
	We appreciate that.
	I'm going to use that on my social media, too.
	I'm in my mansion.
	I'm in my mansion.
	And I have all this money, but I'm calling it to someone else's show because I'm a bum.
	Oh my god!
	I'm sending this out of my swimming pool right now with a bitch.
	What are you talking about?
	I think this is fun.
	Well, why are you calling us that?
	Jesus. Go get busy.
	Like, why are you calling into a show if you're so, you know, rich and everything?
	And here's the thing, bro.
	I already know who you are.
	You do realize that, right?
	I know your real name, Lyson.
	You're a failed R&B singer and a failed rapper as well.
	You actually don't because that's a lie.
	That's a lie.
	That's not even me.
	You guys are morons.
	That's not even me, you moron.
	You guys got capped by another moron.
	That's not even me.
	See, bro, I find it interesting, right?
	Guys like you are trying to make a name for yourself, but you're too scared to show your face.
	You're too scared to show who you are.
	Let me give you a tip, bro, because your YouTube channel has failed and nobody watches you.
	No one's gonna watch you if they don't know who you are, if they don't know who the man is behind.
	And the reality is, any man, we work towards a name.
	The fact that you don't want to reveal your name, who the fuck you really are, tells me that you're a fucking coward.
	This is why you're on a faceless account, you hide your identity, because at the end of the day, bro, you're a failed R&B singer and a failed rapper.
	We know who you are, bro.
	Alright, nigga, so I'd be mad too if I were you.
	So, go ahead and sit in your mansion, or whatever the fuck you claim you have.
	And watch us, nigga, like you already are.
	But at the end of the day, bro, we're more successful than you, we're more known than you, we've helped more people than you have, and we've created more value in the world.
	So you can just sit there and hate like you are, because I find it pathetic that you've been watching our show now for damn near two hours to try to call in to talk shit.
	It makes zero sense.
	But Saints already exposed you, you bitch-ass nigga.
	So there's not even a point to talk to you.
	We already know who you are.
	That's why you have that weird, soft-ass voice, because you're a failed R&B singer.
	And you're a failed rapper as well.
	If you put as much energy into something productive than this, man, you'd probably be successful.
	Yeah, bro.
	Say I already exposed your bitch ass, nigga.
	You're a nobody.
	So, with that said, fuck off.
	Yeah, fucking coward.
	Talk about you all smack people.
	Nigga, you don't even show your face.
	You don't even show your name.
	You're a coward for real.
	You can't sit here and talk shit about niggas when you're using an anon YouTube account.
	Get the fuck out of here, bro.
	Alright, who's up next?
	Drop him?
	Yeah, I dropped that nigga, bro.
	Alright. Fucking weirdo, bro.
	Who's your favorite army singer?
	Dylon! Lyson!
	Yeah, bro.
	Lyson, Lyson, Lyson.
	This nigga St. Ernie bodied this nigga, bro, and exposed his real name and all that shit, bro.
	Yo, Marquette don't play, bro.
	Well, fuck out of here, man.
	Yo, bro.
	You don't want to have Marquette as your enemy, bro.
	Just saying.
	All right.
	This could be the last one.
	1-6-1-6, you're up.
	1-6-1-6, you're up.
	That guy was funny as fuck, bro.
	Holy shit.
	What's up, Mark?
	What's up, Fresh?
	What's up, man?
	I just had a quick question for Steve.
	I know you work with a lot of small businesses.
	What, if any, business insurance would you recommend?
	I know it's kind of a weird question, but I know you work with a lot of small businesses.
	What type of work do you do?
	I'm sorry?
	What type of work?
	Are you doing...
	Restaurant. Restaurant?
	So you definitely want workers' comp.
	Workers' comp insurance because you're always going to have somebody cut their finger or slip and fall.
	And then you probably want an umbrella policy or something like that.
	You could talk to your insurance agent about getting something like that if you have other assets that you need to protect on the personal side.
	Because the corporate shield only protects you for a certain amount, but you're always going to be personally held liable for certain things.
	General liability insurance.
	Yeah, definitely.
	That's got to probably be something that you don't want to talk to, you know, a good insurance guy.
	Do you have somebody already you're working with on the insurance side?
	Yeah, we use Hartford.
	I don't know if you've heard of him before.
	Yeah, that's what I have.
	I have Hartford.
	But I feel like they're too expensive.
	They're getting too expensive.
	But that's why I was asking.
	I mean, you could shop it out.
	You have State Farm.
	You have other companies out there that you could shop it out to.
	The lines, too.
	To get a more competitive rate and make sure that the caps that you're getting on them are equivalent, too.
	Because sometimes they'll say, oh, we could save you money, but then you're not getting as much coverage.
	So you've got to be careful for that.
	Yeah, so I would say definitely start there.
	You want the general liability.
	You want definitely the workers' comp, especially in a restaurant.
	Because you're always going to have injuries.
	People are always going to slip and fall or whatever.
	The worker's comp and umbrella policy?
	Well, the umbrella policy, do you have other assets like, you know, like real estate holdings, you know, you own your own house or have any other investment properties?
	No, mainly just the restaurant.
	Okay, so maybe you're not there yet.
	Yeah, so maybe just the general liability to work right now to start with.
	Okay. And do you do accounting like out of state?
	Yeah, I have clients out of Florida.
	Yeah, definitely.
	Okay. All right, well, thanks for the free game, man.
	I just seen on your bio, like, it costs, you know, $200 or $300.
	So, you know, it means a lot for you to come out here to Fresh and Fit and people like free game.
	Appreciate it.
	Yep, you got it.
	And one last question.
	This is not a hater question.
	Brett, why are you ducking Sneeko, bro?
	You called him out.
	Who's ducking him?
	You're ducking him, bro.
	How? You called him out, and then now...
	No, no, no, no.
	Explain to me how I'm ducking him.
	Please, please.
	In full detail, explain how.
	In full detail, explain how you're ducking him?
	Yes. Hold on one second, brother.
	He's got to go get his notes.
	I'm going to tell you what, bro.
	I'm going to drop this whole expose tomorrow on the podcast.
	I'm going to show you in detail why Aiden lied, Sneakle lied, and the truth shall be revealed, my friend.
	Nobody duck shit, nigga.
	We're still going to do shit.
	Hold on.
	We're going to do it on the podcast, bro.
	Tomorrow. Trust me.
	I got you, brother.
	Don't worry.
	I got you.
	I want to see that fight happen.
	Yeah, yeah.
	No. They made these crazy headlines, bro.
	That's all false.
	Even Elon Musk's Grok said that it was a lie.
	But don't worry, bro.
	I got y'all niggas, man.
	Nobody ducked shit.
	Okay? We didn't duck shit.
	I'm not saying that you ducked.
	Nigga, you just did.
	You just said it fresh.
	Why you ducked your stick?
	Bro, he needs to pray for some help.
	Because he needs help.
	It's coming pretty soon.
	Just saying.
	It's all good, though.
	That's what Aiden and Sneeko said, bro.
	I don't know the context.
	Well, you're going to find out tomorrow.
	I'm happy that you're not ducking.
	Nobody duck, bro.
	All right.
	All right.
	Hey, he's not ducking, chat.
	So if it doesn't happen, shit, he was captain.
	All right.
	All right, brother.
	All right, thanks for calling in, man.
	All right, we will be live with some lovely ladies, guys, here probably within the hour.
	I'm thinking about 11 o'clock, man.
	Hope you guys enjoyed the call-in show.
	Yeah. That fucking weirdo, that nigga didn't expect that.
	Bro. We know who you are, nigga.
	Yo. And if you keep doing this shit, I'm gonna show who the fuck you really are, because I know exactly who you are, nigga.
	We got your pictures and all that shit, you fucking, you soft as a fucking, I mean, baby's bottom.
	Why would you try that?
	Soft-ass voice.
	Target. Fat girl titties.
	And you're right, he waited the whole time.
	Federal agent, bro.
	Bro, a nigga's an idiot, man.
	Fucking weirdo.
	Bro. It's not how you build an audience, bro.
	Also, what person with money says, Oh, bro!
	I got a $20 million mansion and shit.
	No one does that.
	Nobody says that shit.
	Anyway. Yeah, man.
	You're a weirdo.
	Topshake. Hello, Steve and FNF gentlemen.
	Question. I'm a new business owner.
	What are the following things I need to look forward to to prepare for tax season 2026?
	So, one of the things I mentioned earlier in our show is that the 2017 jobs tax cut is going to sunset this year in 2025.
	So, hopefully it gets renewed so we keep the tax rates for everything lower and we get better credits for next year.
	So, that's the only thing to look out for to see if they get that renewed and extend these.
	Tax cuts that we had for the rates, it's going to go about 2 and some, like maybe 2.5% across the board for everybody.
	The standard deduction that we have is about 30 grand.
	That's going to go back down to 18. And then...
	They're going to bring back the exemption, which is about $4,500 per kid or dependent.
	So you would have to have like five kids for it to make sense.
	So if that goes away, that's going to be worse.
	Plus the cap on the income is up to $600,000 now before it hits the highest rate.
	That's going to be going down to $400,000 back to what it was pre-2017.
	So hopefully this thing gets renewed and we'll keep you guys posted.
	All right.
	Shit. Cool.
	Guys, hope you guys enjoyed the stream.
	We'll be back in about an hour with some lovely ladies.
	Timestamps will be back very soon.

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