It's Money Monday, we're here with Brandon Carlos.
Let's go.
All right, we are live guys.
What's up?
Welcome to the Freshman Podcast.
Regular edition.
It's Monday Monday guys with our boy Brandon Carter.
Just y'all know.
Guys, starting this week, well, we're going to stream still on YouTube for this week.
But guys, be prepared.
We're only going to start streaming on Rumble from now on and Kick.
That is going to be the home base for us.
We're not going to be streaming on YouTube after this week.
We'll do it this week just so you guys kind of get an idea.
But we're transitioning over to Rumble and Kick only for the next couple of months.
You know, if we can return to YouTube later on, maybe.
But right now, it doesn't make sense for us to stream on here.
We have to censor ourselves.
It's annoying anyway.
It doesn't really serve that much of a benefit.
So we're going to be prioritizing streaming on Rumble and on Kick.
You guys will get money Mondays only on YouTube once a week.
And from there, you know, just come on over to Rumble and we'll be posting over there.
Yeah.
And Castle Club will be fine as well.
So locals.
Yeah.
Locals, you guys are fine.
You guys are going to go anywhere.
You guys get everything.
But when it comes to this channel on YouTube, we're going to definitely chill back with streaming on here because basically everything we do is hateful content yeah that's what i'd be saying apparently apparently even though other people say the same the same we do literally take our formula and are still monetized we get punished for other people's same actions so bro it's it's ridiculous like there's unequal punishment on um there's unequal in uh distribution of enforcement on youtube with us versus other individuals so
we just gotta stop posting on here altogether See if we get remonetized if not then it is what it is.
We can maybe come back but why you think that is because you were first?
Nah, because we're black bro.
I know Myron loves that.
That's k not because that, it's because we talk about a bunch of other shit too.
So that's what it is.
We know I'm on target on us.
Yeah.
So it is what it is.
But it's fine.
We'll be on Rumble.
We've always been on Rumble.
So, but like we're going to be kind of back the streaming on YouTube significantly.
Only on Mondays we'll be streaming here.
And then other than that, you guys will find all the streams on Rumble or on Kick.
So if you're in a country, for example, that doesn't have Rumble, like France or whatever, I think Brazil might not have it or Russia, no problem.
You guys can still watch us on kick dot com slash fresh and fit or rumble dot com slash fresh and fit.
But YouTube, bro, fuck, man.
Fuck this platform, honestly.
We'll only be on here for Money Mondays, and that's it.
And even my show, The Debrief, I'm going to be going ahead and doing that, cutting it off on YouTube as well.
Because honestly, I've got to censor myself a lot.
That one even more, I've got to censor myself.
Yeah, for sure.
So on that one, I've got to, you know, it's news and politics, but I can't even get into certain topics on YouTube.
I have to fucking end the stream anyway.
So when y'all stop doing that, it's going to be a void, so I should get like 30 bitches at the crib.
There you go.
You should.
There you go.
No, I'm good.
We're still going to do the show.
It's just that we're going to stream it on Rumble and Kick now.
Yeah.
And we'll only put like clips and shit like that on other channels.
And we can say whatever we want, so.
Yeah, the content's going to be better.
We'll just get that shit off YouTube, reapply, see what happens.
Wait, wait, so this has been Myron censoring himself the whole time?
Yeah, surprisingly.
He can finally say whatever he wants?
Yeah, this is me censoring myself.
Yeah, bro, yeah.
Surprisingly.
All this time.
Hey, man, say, man.
I know Myron says before this shit came out.
Yeah.
and I've hung out with him and it's it's all real man not an act he was saying this when no one was listening.
It was just me listening.
But yeah, man.
So Brandon, welcome back to the show, man.
Announcements out the way.
Can you introduce yourself to the people, man?
I know you got some things for us as far as like helping guys with their mindset.
Yeah, man.
I'm Brandon Carter, King Keto, Gymnasium Jesus.
This is what the streets call me, man.
And I've been on YouTube social media for about 15 years, man.
Old school.
Like old school.
And yeah, man, I teach people how to grow their online fitness business.
That's like my main business.
I have a few other things, but if I have to pick one thing that I'm not for, it's that.
Yeah, I definitely do stocks, real estate and shit, have other investments.
But my main thing is teaching people how to grow their online fitness business.
We've helped over 15,000 people grow successful online fitness business, including one of them right here, you know, and um.
But like I don't want to come on here and talk about this.
You know what I when I get on money Mondays man I really want to Help the community whoa make some money.
There's some little tiny flies in here like fresh man.
Is it like this was like at the crib?
Like when is that what I see?
I'm gonna kill these like when you're at home man These bugs.
I mean I've done them a crib bro.
No like when you was a baby though.
There's like little flies.
It's just like remember you No nigga.
There ain't no flies in Barbados.
Yeah, but no, my crib.
Oh, okay.
In my mind, there's like some little kids right now with flies all over their face.
Anyway, man, if y'all see a squatad in that shit, it's like five flies in here.
The fuck was y'all talking about money, money, money.
Money, money.
We don't want money, money, man.
I want to talk about just ways to help y'all get money in general.
You know, whether y'all want to do online training or not, you know, because there's too many broken niggas out here.
You know, scary, bro.
I think coming soon, once AI is fully integrated in most companies, it's going to be hard to make money at a job.
or at least certain jobs.
So having that money making mindset now will help you in the future for sure.
Yeah, man.
You know, AI is coming for a lot of jobs.
It's replacing a lot of the workforce now.
But I think there are a few skills that are more defensible against it so far, you know, and we can talk about some of those things, man.
But I think that's, if any of y'all trying to come up and really make some real money, I have a lot of rich friends.
I've helped a lot of people make money.
And I think there's three steps examining everybody when it comes to getting rich, what I've seen.
Right.
I'd say step one is you got to really have some sort of skill, like a high income skill.
You got to have a high income skill in order to make real money.
Because if you don't have a high income skill, then you got to do labor and shit.
Right.
Low income skills, labor, motherfucking construction.
Right.
When I, when I was, there was a point in my life where I had to do shit like that.
Work security, you know, work for moving companies.
Take the train.
Yeah, man.
I was doing all that bullshit.
Because I didn't have any high income skills.
But you're still making six figures a year, but it was blood money.
Oh, yeah.
Bro, I had to work.
You know, like I told a story before I used to wake up at four, train people in the morning.
Because I was, I've always been a.
a trainer.
Then I would shower at the gym, work security at Soho at the Prada store.
And I was like, five days a week.
And then on the weekends, I'd wake up early and I would manage a restaurant in Queens.
And this was like 12, 14 hour days, like seven days a week.
And I did it for like two years.
And then I had to figure out some high income skills so I can get out of that situation.
Because otherwise, you're relegated to labor.
Yeah.
You know?
Yeah, absolutely.
Even being a trainer, like you're stuck with your clients.
physically there for the most part.
And yeah, it's kind of like, well, being a trainer in person is good, but it's typically not like a high income skill.
You know, now what I had to do was I had to learn how I had to learn online marketing digital marketing how i had to learn i learned to build websites we ain't got all the we didn't have all the that we have now like there wasn't no click funnels uh school all the where you can build a website like i i had to code that i had to teach myself how to code it with html you know but like when you start learning when i learned online marketing that would that was the first high income skill that i that i really
learned and then i started to stack them it was online digital marketing then I learned advertising, you know, and I learned copywriting.
And then I learned, then I got really good at sales.
I was already pretty good at sales, but sales.
And then now I had a high income skills stack.
Does that make sense?
Yeah.
And you were able to use the different skills to make money kind of on top of each other to accentuate the other.
Exactly.
Because then if you have a skills stack, then you can actually deploy that stack against any goal.
You get what I'm saying?
Like, I just stayed in the fitness industry because that's where I had You know, I still like enjoy training people, but I had to find a way to turn that into a high income skill.
There's a few high-income skills I think that these guys should focus on if you're really trying to get money.
So is it okay if I list them?
Yeah, yeah, yeah.
And then, guys, just so you know, we're going to go ahead and have a Zoom call with the Calcet Club guys as well on air with y'all and be able to answer questions.
And then we'll also open up the phone lines, but we're going to prioritize Calcet Club guys, answer their questions first.
So we might answer one phone call for every five Calcet Club guys.
I caught one of them flies on accident and landed in my water.
That's good.
I'll get you another one.
Go ahead.
All right, so high-income skills.
Step one, develop high-income skills.
Here's the ones I recommend, especially because they're more, more future proof right so high ticket sales if you can learn how to do high ticket sales that's i think we got a long way before AI is good enough to replace a good salesperson.
Right.
You get what I'm saying?
And even when it is able to do it, it can only do it over the phone, right?
But a lot of times people are going to want to talk to a person either in Zoom or in person.
Like people still do sales in person and make a lot of money.
And it's going to be difficult for AI to beat an in-person salesperson who's good, right?
And that can shield you.
I know people, like one of my sales guys, man, he, you know.
He paid him $400,000 last year.
Sheesh.
Yeah.
You know?
And I know people who've made up to a million dollars a year in just commission from sales.
Does that make sense?
So I'll say the first one is high-in- is a high-ticket sales.
The not another high-income skill that you can focus on would be all right, thank you.
This one's a little more vulnerable, but uh copywriting.
Right.
Now copywriting is super vulnerable when it comes to AI.
Yeah.
Like I, like, especially now.
I don't know if I would start it now.
Yeah.
You know, if you already got it.
Five years ago was crazy, but now?
It's crazy.
Yeah, I don't know.
It is a high-income skill even right now, but I don't know like a few years from now.
Yeah.
Do you think emails are still very effective, bro?
For marketing?
Yeah, man.
Yeah, like 100% is still.
The younger generation doesn't see it because maybe you don't look at your email and buy stuff.
But there's a lot of money.
30% of online purchases come from email.
In general, like across the board.
You get what I'm saying?
Yeah.
It's a reason if you go to Target, they ask them for your email.
Yeah, email marketing is still very valid.
Yeah, you buy something from Victoria's Secrets for one of your white women.
Let's say you have Victoria's Secrets buying some white women some lingerie.
Right?
And they're going to ask you for your email, brother.
They're going to ask you for your email.
Not my Instagram phone number?
Nah, they're going to ask you.
But the reason these multi-million dollar, billion dollar companies are doing it is because it still works.
They wouldn't do it if they have some of the smartest people in the world who work at fucking Target.
You know, like straight up.
Because they're a huge company.
To find ways to make more money.
Yeah, yeah.
To generate more money.
Yeah, for sure.
email still works copywriting It's a high income skill.
I don't know if I'll start learning it right now.
I think there's other things on this list that are less vulnerable.
Right.
So sales, copywriting, and then coding.
Now, I know people are vibe coding and all this shit, but the vibe coding is not good enough.
Right.
So if you..
can do coding or software engineering, if you can do full stack software engineering, let me tell you.
So this kid, I'm not going to say his name because I don't want to shit on him, but I knew he was really good at software engineering, full stack.
And I came to him with this idea of an application I wanted to develop.
He took that idea, did it himself, and he got $17 million in VC funding.
What?
I'll show you I can show you if you don't believe me I'll show you the text message I won't do it publicly but I'll show you guys the text message between them who is this kid I'll show you after this do I know him?
No, you don't know.
Oh god, you know.
Then he's a finesseur.
Is he white or black?
Asian.
Smart financer.
Now he's super smart.
You know, he went to Columbia.
Hey, man.
But, you know, it just, what did he know that I didn't know?
He didn't even have to come up with a good idea.
But he knew how to, he knew software engineer.
You get what I'm saying?
Yeah.
There's another kid.
I don't know this kid, but I know the story.
He spun up some software called RizGPT.
RizGPT.
Yeah, yeah, yeah.
And another one, Luxmax and GPT.
He's in the, he's, obviously he's in the space adjacent to this, right?
And he's like, yeah, he's like in the dating space he's like this like a fresh and fit wasn't racist and i'm with you i'm with you um it's a comedy skip man it is a comedy skip uh but he went in he had lux maxing uh app and a and a chat and riz gpt he made 10 million dollars man 23 I'm telling you software engineering,
especially if you could do the full stack start to finish.
So the front end and the back end, right?
A lot of these vibe coding tools, they're good for front end stuff, you know, but like as far as back end.
parts back in implementation that's where if you can do all of it that's where the real money's in i'm seeing as well kids doing prompts um like uh coding where they just give people prompts and they make a lot of money for companies too yeah we're gonna get we're gonna get there because that's that's on my list that's on my list you know what i'm saying um but i gotta do it in order because this is how i memorized it and uh so we got high ticket sales it's good um copywriting You still make money.
I still pay a copywriter now, but his days are numbered.
The writing's on the wall.
Yeah, but, you know, yeah.
And, um, coding full stack full stack software engineering full stack that is that is very important you got to be able to do it from start to finish from the rudder to the tutor all right then we had um project management project management man there's still companies who hire project management managers and pay them to like run the whole project you know like actually put everything in order ai can't do that yet You know,
there might be maybe there's a world where you in the future where you won't need a project manager But I think there's something about humans and actually working with humans and working with personalities that I think it's gonna be around for a long time.
Yeah.
Yeah, I think the feeling of meeting somebody a person and a connection, pause.
Yeah.
It's a lot with sales, you know?
Yeah, yeah.
But it's like not even sales, just project management, like dealing with teams.
Like if you have somebody who's in charge of different teams and making sure projects get done, these are things that make, they pay a lot of money.
You can make multiple six figures being a project manager, right?
And you can go, a lot of this stuff, man, you can go on, like Coursera.
They have like a lot of free courses or like cheap.
Google has a, like this costs $50, a project management certification made by Google.
Oh shit.
Yeah, Google makes courses.
Y'all know that.
They own Coursera.
IBM has it, you know?
Like shirt up.
And they can go learn some.
of these things get a certificate from google and a lot of job applicants will let people will take them as requirement seriously you know straight up so we got project management no now we have this i don't want to say website development but maybe but funnel building like people what's if you know how to build sales funnels and like click funnels or Even now, you don't think that's going to get outsourced by AI soon?
We got a ways to go because there's creativity.
It definitely can, right?
You know, I don't know.
No, nothing's 100% safe from AI.
But What I've seen is a good human is still better than AI at almost everything.
Almost.
Maybe not math and shit like that.
But anything that's creative that takes some creativity, a good human is still better, right?
Yeah.
Like you can get it.
They're being generic.
Because you got to remember that they're going to spit out like a body response and shit like that.
Yeah.
Right now, AI doesn't have a soul.
You get what I'm saying?
Like you can see the soullessness of it, you know?
Now here's the thing.
Yeah, yeah.
Here's the thing.
AI makes all these jobs easier right now.
Yeah.
You get what I'm saying?
Like AI makes all these jobs easier.
So it's like you want to, you got to.
You still have a window with some of this stuff.
And there's low barrier of entry for most of it.
This one is safe for a long time.
If you can buy ads, an ad buyer, like someone who could buy Facebook ads, Instagram ads, Twitter ads, a media buyer, YouTube ads, Google ads, that's super safe for right now.
And AI will help you a lot with that because AI, because if you learn, AI can help you pump out ads.
You can literally, yeah, it helps you pump out ads and make videos.
You can pump out creatives, right?
If you know how to do AI, like I've posted videos of me that was done by AI and people ain't know.
I'm not going to tell you which ones.
Yeah, and I've posted like AI pictures of me and people ain't know.
So imagine if I'm a media buyer.
I saw one yesterday.
You saw one?
Yeah, maybe.
You know, and all right, so fresh new.
We fooled everybody, but fresh.
No, no, but I know this dude.
First was like, what the one?
A lot of mercy.
Boom, my God.
Cheese on bread.
Cheese on bread.
he doing man?
Yo.
Now that's real man.
It's fresh.
You fucking up.
So here's the thing.
Fresh can't tell.
Fresh can't tell the AI from the fake.
Yo, but an ad buyer.
Like some of my friends who make the most money are media ad buyers.
They do ads for YouTube, Facebook, for other people.
And this is really...
Yeah, for sure.
All right.
And then so you got funnel building.
What did I say funnel building?
Media buying.
Okay, yeah.
And then, so what you were saying, there are people who are prompt engineers, like prompt engineers or AI specialists.
I think that might be better, like AI specialists, not just prompt engineers, because you can still make money as a prompt engineer.
This company's hiring.
Google has a prompt engineering certification.
What is prompt engineering?
Prompt engineering is coming up with the best prompts for people or for companies or resources so they can use AI more effectively, because it's only as good as the prompts you put into it.
Oh, like how to ask, probably, the question...
or how to okay how to get the information from ai properly how to get it properly right because a lot of times People will say AI is bullshit or they'll say, oh man, this AI video looks fake or this AI image looks fake or whatever.
But with the right prompt, with the right prompt, that shit look right.
And it's people who do that, prompt engineering.
In fact, Google has a whole course on Coursera called prompt engineering.
It's like $50.
Shit.
Yeah, I took it.
I got the certification.
I'm a certified Google prompt engineer.
But anybody can get that shit with you, $50 and go through the program and answer all the questions.
But the real money is setting up automations and agents for companies.
That's where you would make the money, like setting up AI agents.
So I know some, like for you guys, right?
I know somebody.
He sets up AI agents for people and AI infrastructures for companies.
Okay.
And he can make it.
So he did this for another YouTube channel where as soon as they post a video, it's automatic without a human.
interference is sent somewhere where they find the best where it gets clipped up and then those clips get posted as shorts yeah you know automatically hands off he and he got paid a lot of money to set that kind of thing up right so if you can learn these things like ai automations how to build agents for companies like companies will pay a lot for that.
I know people who've paid a good amount of money for it to get set up with some AI agents.
You know?
Shit.
Damn.
We can fire some clippers you know what i'm saying now again at the same time the technology now is not as good as your best clipper probably yeah you know the thing with clipping is that like there's such a there's yes it's easy barrier to entry but like the best clippers like they they're just able to do certain things that like you know other clippers aren't yeah the cream the cream rises to the top of course you know what i'm saying and and the thing is like clippers It's something.
And it's an expensive thing to get into, bro.
Like, for example, like on Twitter, bro, these streamer niggas, bro, they just pay these clippers a bunch of money to only clip their stuff and no one else can put their in you know who i saw today everywhere who neon and then it goes everywhere well they said something about him spending like hundreds of thousands a month on clippers bro hundreds of and that's bro people try to tell me oh my god you spend that you spend too much on clippers bro you don't know how much how expensive it is to have it can get clipped it can get you know expensive and listen he's pinned in the work though it gets ilia all these people i'm like bro props to you for
getting those collabs yeah so yeah yeah yeah and then so you have that then if you have somebody if you can learn software engineering so and software development we kind of touch on that already that's that real that's that's going to make a lot of money in Data science.
I'm telling you data analytics data sciences This is where you can go and take data and like make sense of it for companies and see find different connections That's another skill that makes a lot of money and you can get certifications for that online like IBM has a Online certification for data analytics and data science so does Google I think Microsoft has one too And they have courses where if you take them, people take it seriously.
Like I'm just trying to give y'all like real game, you know, like if you're really trying to get out the trenches, you know, like learn, you can need to get some things that guys here that are listening they can like look into this stuff because this is the future bro yeah it's the it's the now yeah people are buying land as well to build data centers for companies yeah i mean they're not around yeah they're not around with this now and ai can it can't replace a good data analytics person or a good data scientist yet but ai can really make their job way easier yeah like if you were a data scientist now
versus like five years ago is like way way easier now yeah i mean you still have to learn some code you have to learn python and shit like that right but it's not as labor-intensive as it used to be you know yeah now then there's video editing this is where the clippers and shit come in right yeah these clippers get paid video editing this has a lower barrier in entry you know and um ai i think it can assist right now right now i don't think any ai is good enough to replace a good a good clipper or a good video editor.
The best clippers are still doing it themselves but yeah or just video editors right someone who's good it's not there's no ai that can be a good one yet you know like i i pay i pay my video guy he films and edits my videos uh you know he gets over six figures a year i had two of them i pay him over six figures a year you know and it's uh well editing is the worst that was the first thing, bro.
If you decide to get in this world, like the first thing you got to do is outsource editing, bro.
That shit is the fucking biggest time kill.
You know, that was my first time.
This dude named Harry in London.
He still works for me.
Yeah.
Yeah, he's talking to him.
Yeah.
Yeah, bro, because it's the most time.
It's the most time burning one.
Like that's the first thing you want to get off your plate if your goal is to be as resourceful as possible.
We still have Tom back in the day.
Yeah.
He's gone now.
Hey, man.
Just rest in peace, Tom.
No, no, no.
Oh, no.
Oh, he's still here.
He put us on one of his guys.
Yeah, yeah, yeah.
Oh, I know Tom.
Yeah, that's the homie.
And then to that, and then coaching though coaching is still you can still do it and still make money and it's i don't it's going to be difficult for ai to replace it because a good coach doesn't tell you what to do a good coach keeps you accountable you know make sure you do it yeah you know so and we can ignore machines like you ignore notifications what ai gonna do send you notification that you'll just swipe away yeah yeah yo listen i was on trump's text message list
and Kamala's hair's text message interesting okay and I you want to see their ignoring them yeah I ignored them all right you know that's how I know because it was all like fucking if Trump would have hit me up, I'd have picked up.
I'd have picked up if Kamala had picked up like that mouth dude.
I'm just joking.
I have a girlfriend.
But you know what I'm saying?
It's like if a human would have hit me, it'd have been different.
Did you do that to like experiment and see how they run their email list?
No, I've just voted Democrat and I voted Republican in my life.
So I just, you know, I've been a part of both.
So I've been alive a long time for a lot of elections.
All right.
You know?
Yeah, it was like to experiment or whatever.
So you actually did, we're on it for political reasons.
Yeah, I'm an independent.
I'll vote for whoever I think is going to put me in position to make the most money.
Sure.
That's how I vote.
how about yeah but uh i think with these current uh high-end skills oh no well i'm sorry coaching like i'm telling you can get you can get into that right and that's probably out of all of these this might have the lowest barrier of entry you know because you just you just have to be better than the people you're coaching you get what i'm saying like you could like mo right now can coach somebody on running a podcast You know what I'm saying?
Like for sure.
Yeah.
He knows how to do it.
He can start doing it and getting paid to do it.
You know?
You've coached people on dating.
You've coached people, you know, when you were in my high-ticket trainer program.
It's like it's the lowest barrier of entry, but it's people still need it because a good coach keeps you accountable.
Yeah.
They can get the information from anywhere, but that's not new, right?
There was muscle magazines when we was kids.
There was YouTube videos, tons of YouTube, but nobody's going to make them do it.
The coach does.
Also, it's not tailored towards them.
Exactly.
It's more general.
A coach can make something, a plan for you.
Now, ChatGPT can do it too, right?
You know, AI can do it, but that doesn't mean you're going to do it.
That doesn't mean you're going to do it.
So a real coach, actually, the job is to keep people accountable, you know?
And I think that's where the biggest opportunity is.
For example, well, it's the lowest barrier of entry.
I think everything we mentioned really works.
For example, if you were an online trainer, this is what I tell people.
If you get 25 clients and we have different pricing structures that I teach, but if you had 25 clients paying you $80 a week and you kept an average of 25 clients for 52 weeks a year, that's $100,000 to $4,000 a year.
Yeah.
That's almost like $300, just under $300 a day.
Yep.
Right.
And you're making six figures and you only need 25 clients.
You don't have to have a big following.
You don't have to have any overhead.
You know, you don't have no startup costs.
Right.
That's what I'm saying like online coaching you can do it and you only and people say it's oversaturated and that's why we teach I teach students ways to actually stand out and get their first clients but Bro, you only need 25.
Like, who cares if it's oversaturated?
You don't need a fucking million.
Yeah, you don't.
You only need 25 to make six figures.
And especially if, like, you're in good shape or whatever.
Like, people will, I think the key is you got to be in good shape.
But, like, if you're in good shape, yeah, you can do it.
And you don't even have to be.
I didn't have a following.
I did that shit.
Yeah, he had no following.
I had less than 900.
This is when I was working for the government still.
Yeah.
You know what I mean?
I've seen YouTubers with less than 10K subs making hella money from...
Yeah.
Bro, way less than, like less than that, man.
I've seen guys with 2,000 followers following our systems and stuff make like 20k a month.
Yeah.
Yeah.
You know, it's just the smaller your following, the more you're going to have to be more creative with your sales and be really good at what you do.
A lot of elbow cream.
Yeah.
You're going to like, you know, because when you have a huge following, to monetize that on a high level is a bit easier than when you have a small following, but you can absolutely make a bunch of money with just a couple thousand followers.
You're just going to have to provide a lot more value and then be more sophisticated in your advertising, having ads and all this other stuff.
Yeah.
Or you can have ads or, you know, that's what most niggas actually know that I think about it.
Most influencers don't't get organic traffic like that.
Like they run their sales.
They run ads.
You guys go on Instagram.
All these dudes are running ads, bro.
Like a lot of them.
Because it's very difficult to build a legit audience, a huge legit audience.
So they'll be like, fuck that.
I wanted to sell ads.
I tell my students, don't run ads until you're making 10k a month.
Because you can.
Okay.
So here's the game plan.
I think that's like one of the best tips you give, guys.
Yeah, because you start running ads.
It's like, you don't know what works yet.
You haven't.
cultivated your sales system you haven't cultivated your onboarding system and you don't have a proven system yet you got to have a proven system first then you start putting ads on it adds like gasoline if you got a little flame going you put and you put gasoline on it then it explodes you know Yeah, yeah.
So, but like, I'm just telling you, just focus on that first 25.
You get 25 people if they pay you just $80 a week, which ain't much.
The average in-person trainer is charging $100 an hour.
Oh, yeah.
You know, and you got to see them up like three times a week.
And they're not even going to help you with your diet.
They're not even going to make sure you hit your calories every day.
They're only helping you with, yeah, they're only helping you.
You're paying them by the hour like an escort.
You feel me?
Yeah.
And I'm just fucking.
Why are you looking at fresh?
I'm just fucking with you, man.
You won't pay the escorts the escorts fuck you for free Thank you, sir.
That leads us to problems because then they fall in love with this bro.
We saw them dreams and shit, bro.
And they paid them whatever they want.
My man, this is the only nigga who could finesse the escort.
Yeah, for real.
That's what y'all should have been.
That's what got us in trouble.
He finesse the escort.
You know?
Then she tried to finesse him.
Yeah.
We thought we was going to have a baby.
We thought we was going to have an oriental nephew.
Nah, nigga.
I was going to.
I was going to.
I was excited to.
Kung Fu!
I was excited to teach him about, you know, life and stuff the nephew and he was going to teach me karate what's he talking about oh yeah yeah that's the trainers should have done that yeah they get paid by the hour but when you do online it's like you're not getting paid for the hour because you're not training with them you're giving the plan and diet on their own and then your job is to make sure they do it every day and keep them accountable and and it's really easy what do they get for the $80 an hour with online with with with fitness coaching other other types of
coaching there's other ways to do it yeah right but with fitness coaching what they get is you're going to give them custom workout plan custom meal plan made just for them right and uh you might update it every month or some some people do it bi-weekly or whatever and you have then you check on them every day you keep make sure they make sure they do it you know you can you can use an app called trainerize or coach fitness or any of these apps right or trainerize is really good i didn't know you were going to tell them yeah trainerize is very good i think it's one of the best.
Yeah, we started, you know I'm coming up out with mine oh good i'm coming out and like good like next month i should have my all your students can just use that all my students or any even not my student you will use it you know what i'm saying like we're gonna have it out to the public for everyone to use because because there's some things that can be done better but honestly when i when i first started like none of that shit existed i was using uh google sheets yeah Google Sheets.
Yeah.
Just like Google Sheets.
All right, mark your fucking calories, you know, and that's just where the whole thing is just to make sure they do it.
Keep them accountable.
Absolutely.
Every day.
And then you have a check-in call with them once a week, you know, and that's what they get.
So, you know, I keep hearing from other millionaires to build an app.
That's the way out of the current climate.
I mean, I think that works.
That's what comes in with the skills I said, software engineering, you know, like that's one of the skills.
And so that's step one, develop some sort of high income skill.
You can go get courses online.
There's free resources.
The problem with the free resources, they're cool.
They'll teach you something.
races and it's better to have a coach because someone can like almost like grade your work right you can learn it and like I don't know how you learn high ticket sales from just a course or some books because without doing it you got to practice I can read the info but I don't know how to use it properly to execute my nigga you can jump in the you can read as many fucking books on swimming as you want but you got to get in the water yeah right if you get in the water with a coach like I you know I'll teach my son to swim right boom I got him in the
classes I'm taking him to classes and he he's in the he's in the water with with the instructor you know i could just say hey man read this book on swimming yeah yeah and then throw the in the pool And he might get it, he might not, right?
But, you know, when I got him an instructor, now he swims very well.
You know what I'm saying?
It cuts the learning time down.
It cuts the learning time.
And I don't know how you read a book about sales and then think you still got to practice.
Like me and my sales team, we practice every day.
Every morning.
We wake up and we like practice like objections.
It's like a muscle.
Yeah, it's like a muscle.
It's like anything else, right?
So that's why it's best to get a mentorship.
But maybe you're in a position you can't afford to get a mentor, right?
Then, yeah, do whatever you can with any of these skills to learn as much.
Take the courses, do whatever you got to do to learn.
it and then that's in step the next step would be to train some people for easier if you're doing training, but help some people with whatever skill you had, help them for free.
Like if you're building websites, build some websites for people for free.
If you're doing sales, say tell somebody, hey, man, I'll do sales for you for free, right?
In exchange for testimonials.
Yep.
You know, if you ain't getting Yeah, because that's what we taught in High Ticket Trainer was to, you know, find some people, get the fattest people you can find.
because fat people lose weight faster, right?
Because the more body fat you have, the easier it is for you to lose it.
And that would be a more compelling testimonial, right?
But train them for a month in exchange for a testimonial.
And then use those testimonials to get paying clients.
Yeah.
You know, you can do that with any skill, not just coaching.
You know, do it with sales.
Do it if you do data analytics.
Man, I'll run your data through Python or whatever, you know, for a month.
cleaned up in exchange for a testimonial.
I'll run your ads for a month in exchange for a testimonial.
I've seen people do that.
People's done that with me.
People's like, yo, I'll run your ads for a month.
And back in the day, I was like, all right, let's see.
See what you got.
You know, for sure.
Did it work?
Yeah., it worked, it worked.
It worked.
I mean, I gave them a good testimonial.
I didn't hire them because they didn't run ads better than me.
At the time, I was looking for someone who could do it better than me.
And they were good, but they weren't better than me.
That's why they were running around doing shit for free.
You know what I'm saying?
Where I was really good at it at the time, you know?
You run ads for a bunch of people.
People don't know that.
You actually run ads for a lot of very popular influencers.
A lot of big fitness guys, I was running ads for.
Because, like I'm saying, it's just that skill stack.
Like, yeah, you can have just one ad, bro.
I said, fuck that, man.
Like, you need someone that really understands Facebook, that understands Meta, that has a relationship with Meta, because there's a whole other infrastructure you have to deal with when it comes to dealing with advertisers on that platform.
So, yeah, we can't even do it.
Niggas banned us.
Yeah, we can't.
You all got banned on it.
You can't do it, yeah.
You know, this man.
So, yeah.
Myron has chosen to play the game on hard mode.
Yeah.
See what happens.
Myron's like, you know what, man?
Let's see, let's see how difficult I can make this.
Yeah.
Actually, you know, one of the things that actually keeps you from getting into trouble though is if, like, you're with Meta and you buy ads from them, they'll be much less susceptible to banning you because you make money with it.
Actually, there's a loophole.
If you buy ads from Meta directly and you get problems with Instagram or Facebook, they'll fix it or come like this because you're a paying member.
Yeah.
For their own.
I should probably.
It's too late because we can't make., I had a discount.
We can't make it now.
Damn.
I got an idea.
Or someone that just came with an idea.
Because it has to pay to our accounts.
That's why.
Yeah, yeah.
But I just came with that.
We'll talk about that.
Yeah, yeah, yeah.
So it's like, you can do some stuff for free to get experience, right?
And then once you have experience, now you got experience and testimonials, then you can go out and get some paying clients.
If you're starting your own business or you can get hired if you're looking for a job.
Either one.
And then that's the three-step protocol.
Decide on what high-income skill that you want to perfect.
Learn as much as you can about it.
Then train some people.
I mean, not train some people.
Then help some people for free using that skill for testimonials.
And then you'll be able to go out into the marketplace and negotiate that, you know.
If you want to be an online trainer and do it.
do it We got a free resource.
It's called the Ten Commandments of Online Training.
Can we get that in the description real quick?
Did you give it to Mo?
I gave it to Mo.
Yeah, yeah.
You can download it for free.
And then you might download that book and go through it and see, because he's going to tell you everything that's required to be an online trainer.
But you might go through it and say, man, it's not for me.
And you'll see, I know.
That's pretty much what I use.
I used in the beginning to get in and make six figures.
And I'm really surprised that Brandon's giving this shit away for free.
But, uh, come on, man.
But yeah, that's a lot of, a lot of the stuff that's in there is exactly what I used to build my fitness business and kind of get in there.
And you guys remember, man, I was a federal agent, bro.
I had like 800, 900 followers on Instagram.
I didn't have a big following like that.
And I was able to scale up and, you know, get it to a point where I was making, I made more money doing that than I did, um, even with the G. So, you know, it's a good way to augment the income you already have.
Especially, and the beauty is if, like, let's say you have a job already where you're making a good amount of money, you could do this shit on the side, bro.
Yeah.
So.
And it's free.
Yeah.
I have a lot of students who do this shit on the side.
Oh, yeah.
You know, because they maybe they like their job or maybe they're into something else and they just want some extra money.
Yeah.
You know, some dudes just do it.
I mean, i just want gucci belt money or something you know some dudes are taking it to the next level we got people making up i mean we the top students are making like over 100k a month right but they they took it to the next level they got teams and they got you know and salespeople and like that yeah when you get to that level you know yeah you got fast and sales teams and they're doing ads and stuff but our average student makes five to ten between five and tenk within the first 90 days yeah it's really good the beauty is with no overhead no overhead
no that's the biggest thing that's why this thing was so lucrative for me especially because like i was doing it all online, so you don't have employees.
Everything is automated, like with train rides or whatever, because like you do it all, the app takes care of everything really.
Does like 80% of the work, 90% of the work for you.
Yeah, your job is just to keep them accountable.
Yeah, man.
Just keep them accountable.
Your job is to answer the phone if they hit you up, if you want to decide to do that and tell them stop being fappies and shit.
What's scary is that the job market now is totally fucked, bro.
And job security is at an awesome low.
Also, having your own income is important nowadays, especially.
I think so.
This is a way out.
Yeah, man.
I think so, man.
And guys, let's see you all know.
We got a Zoom call open for our Cal State Club guys.
Link is in the Cal State Club.
also we're going to open up the phone lines as well, but we're going to prioritize Cats Club guys.
So if you're a Cats Club guy, you're going to get first priority.
You're going to be able to call into the show.
This is the Nega Ramsey Show.
Welcome to the Nega Ramsey Show now.
Unless, did you have anything else, Brandon, you wanted to add to?
No, I just wanted to give them some game on how they...
Give them a quick little monologue and then answer your questions.
Whatever you decide, I feel like those are the areas.
Can we recap it real quick one more time?
Yeah, high ticket sales.
That's going to work.
We have high ticket sales.
Copywriting.
Copywriting.
That's right.
copywriting and what was the next one?
Full stack of software engineering?
Yeah, software engineering.
Full stack though.
It's got to be full stack.
From beginning to end.
Right?
Because you can get your ideas stolen like me.
I know how to make front-end UIs, but I don't know how to do the other shit.
That's funny.
Asian people try to finesse us.
Yeah, they got us, man.
And then also, with the copywriting, with the copywriting, you did say, you did give a good disclaimer.
The copywriting is the most vulnerable thing on this list you would need people still paying people for copywriting but it's the most vulnerable and here's the thing a real a good copywriter is still better than ai like i still pay my copywriters you know what i'm saying yeah like they have you need to be top tier or else yeah it's vulnerable yeah so i wouldn't get i, I don't know if I'd get into it now.
I'm just listening, right?
And then we have project managers, media buyers, man.
That's one of the ones that's the least vulnerable to AI.
Like if you can buy Facebook ads, YouTube ads, Google, Meta, you know, X, if you know how to buy TikTok, if you know how to buy ads on social media platforms.
Which is something you've actually mastered.
Yeah, you know, I spent millions and millions of dollars on that over the years, right?
All right.
And then we have, it was prompt engineering slash just AI expertise.
Okay.
Right.
AI expertise.
That includes prompt engineering, building agents for companies, businesses, AI agents.
They can go out and automate things.
So basically you hit this guy up and you say, I need X, Y, Z done.
They're an expert on AI.
They go handle it.
Yeah.
They know how to get the most out of AI.
Exactly.
My boy Jeremy got a dude on staff that does that shit for him.
And he built a Jeremy AI for his students where you can go in and just ask Jeremy questions.
And he's building them all types.
He has a whole AI tech stack.
stack Oh, that's smart.
But this guy is building it.
Like, I know the dude.
Yeah.
And Jeremy's paying them like a lot of money.
So every time there's something new, they find ways to implement it in Jeremy's business so he stays ahead of shit, you know?
Gotcha.
Yeah.
Interesting.
He's building a lot of like proprietary AI shit because once you get big, you don't, you don't want to, like big companies, they don't want to just be using ChatGPT, right?
Because now they're putting their data out there.
They might have sensitive shit they don't want to put on there.
You get what I'm saying?
even me.
Like I built, I have like local LLMs on my computer.
Cause it's shit that, you know, I don't want to put out, uh, to give to open AI or give to, to Google or give to Elon.
Who knows what Elon's going to do with it.
It's funny.
People are giving all their information to chat GPT for free.
Not knowing that it's going to be held in store in our database for a long time.
Or if you get sued, right.
I can subpoena that shit.
Yeah.
You know what I'm saying?
Oh, it can also be using criminal confidential.
But if you got that shit, but if you got that shit on like, um, local you know something local man my hard drive fucked up man guys he
you can't damn the hard drive broke somebody hit it with a hammer you know what i'm saying like court cases all that you know um yeah this um we already have software engineering oh um data analytics yeah data science that's you know that's the bar surprisingly low like you got to if you have a decent iq like just if you're not a dip you can go on Coursera,
take Google's data analytics certification.
They have a few that cost like $50 each, but it's made by Google.
IBM has one too.
A lot of these companies have it.
Microsoft has one where you can go in and learn these things.
These certifications are looked at as credible by companies.
And you can either go get hired Go on Indeed, put your shit out Or you can go on fucking Um Yeah, yeah, man.
If I'm right, you were data analysts now.
I'm going to analyze data.
I mean, you know, the barrier of entry, you got to learn some shit that's, you know, probably have to learn Python and a few other languages.
I think the good thing here, what you really set up is like, these are skill sets that people should learn to kind of future-proof themselves outside of copywriting.
Copywriting is the only one, like, I hesitated to put it on the list because I, yeah.
So, all right.
Oh, I'm sorry.
Video editing.
That's pretty safe right now, man.
It's pretty safe.
I'm telling you, video editing is pretty safe.
I'll tell you this.
I hired a new editor for my vlogs.
Way better.
Well, you hired a guy, right?
Yeah, man.
and ai can help with that because now some of this there's some of these new models that i've seen people implementing it seamlessly with real stuff, right?
Like Runway AI or Google VR3 is making the video, it's not replacing the video, it's making their job easier, allowing them to be more creative, you know?
Okay.
Yeah.
And then coaching, like coaching, like people need a human to keep them accountable.
Nobody is accountable to machines, right?
You get a fucking, the best, You know what I'm saying?
But a human that you pay money for, that still works, man.
Coaching.
I mean, the human element is always going to be the most important in fact the more the more we get in the air i think you human stuff is going to like real human real life stuff is going to be even more at a premium yeah you're right i think people are going to be going to live events more when when things look too fake online you know yeah people are going to want to do things live you're right real you're going to talk to real people i mean just to give you guys an example trump purposely met with putin in person a couple days ago in Alaska because obviously meeting in person and running diplomacy is not the same as talking on the phone even though
they talked on the phone many times a million times so that human element doesn't just apply to sales and everything else like that but it extends even to world diplomacy guys so yeah um very important uh okay so yeah we, we can go ahead and hit the Zoom call.
And then we also got the phone number there.
But like I said before, we're prioritizing Call of Club guys, guys.
So go ahead and hit us with your question, guys.
Welcome to the Nick and Ramsay show.
And we got Brandon in the house and us.
Whatever, whatever.
So just raise your hand.
Yeah, get your and guys, we're going to keep it strictly financial.
Want to stay away from women.
It's Monday, Money Monday.
Let's focus on getting some money, guys, instead of, you know, chasing ass.
So we got who's up first, Andrew?
Actually, I would argue getting money now is better.
It's the best thing you could do to get chicks later on than anything else.
And has it ever been different?
Well, well, remember, it's my looks, bro.
Oh yeah.
You know what I'm saying?
Like, it's my game.
I mean, it's everything but like when you when you young you know girls are pretty broke young motherfucker you but cloud does it oh cloud cloud's next level cloud does you know you i stand corrected yeah yeah that's the one i stand corrected andrew go ahead i see andrew's first right oh he didn't raise oh okay guys raise your hand in the zoom call they didn't did it okay oh jorge yeah guys there's a bunch of you guys in the zoom call just uh raise your hand jorge go ahead jorge hola amigo Don't
need to stop Okay, he's not beating himself.
All right.
Well, you guys got to unmute yourselves.
I don't know how to use Zoom, I guess.
Yo, what's up?
Yo, what's up?
So I had a question regarding your calendar setup.
So how do you usually set up your calendar?
Yeah, people ask.
Yo, you can hear everything in the background.
Is that your TV?
You got it.
Your TV's doing too much.
we can hear your TV in the back bro mute it Oh my bad.
Or you can hear yourself, one of the two.
Go ahead, Brandon.
You got deals, meals, or hey.
So the calendar, I plan every hour of every day in my calendar.
that i've been doing that for years this has been a real cheat code for success for me you know really planning every hour of every day making sure that every day is choreographed so i'm not out here freestyling my days you know like because you can you're able to squeeze more success out of each day so basically the first thing i do is i set up some recurring tasks right so i'll make sure you know there's some meetings there's some things i have to do at certain times every day or every week or maybe every other day or
whatever, whatever the case may be.
be you set you use google calendar you set up the recurring stuff so i go to sleep and wake up at the same time every day i mean tonight's going to be a little different, right?
And that's fine.
You know, but for the most part, I set up the recurring task every day.
And then I build around it in the white spaces, things that help me accomplish my goals or things that I want to do, right?
Like I'll put in, I'm hanging out with my nieces and nephews, man.
So I'll put that time in there.
When I'm with my son, I'll put the time with my son.
Anything is important to me.
When I say that, somebody's like, oh, Brandon, be like.
Yo, son.
All right.
That's it, son.
We only had two hours.
But it ain't like that.
Kids have bedtime in schools and shit, you know.
And I just make it around that.
But I plan everything is important to me.
Time I spend with my family., time I spend with my girl, time I spend, most importantly, time I spend accomplishing my goals.
And one thing that happens when you do that is not only do you get more done, you'll get rid of all your bad habits on accident.
Because you're not going to put getting high and drinking in the calendar.
Yeah, you're not going to put doom scrolling in the calendar.
You're not going to put gooning in the calendar.
You know what I'm saying?
Setting up a plan in the calendar.
I'm going to goon it.
I need 20 minutes.
I need some goons.
Yeah.
20 minutes.
Nah, you're not going to put that.
I ain't like an hour nigga.
Supposed to be going on dates with yourself.
You'd be lighting candles and shit, playing.
No, I'm just saying you'd be playing some Chris Brown in the back you know what i'm saying gooning is not smashing yeah gooning bro oh yeah oh yeah you can't be playing in your goons that's not recreation it's maintenance anyway so but what happens is like all your bad habits you won't have time for them because you you stack your day with shit that'll
help you accomplish your goals.
Like, I stopped drinking and smoking weed on accident, like, 10 years ago, because I was planning out every hour and every day in my calendar, and I was like, man, I haven't drank and smoked in a long time.
I might as well just quit.
You know?
It was like that.
It was the worst, man.
Yeah.
Yeah, one of the most, I pretty much quit years ago.
Once we started doing this entrepreneurial shit, really, like, since 2021, bro, and it's, don't even miss it at all.
I can't even, like, booze, all that shit's trash.
While I was in Europe, I took some shots.
It was terrible, bro.
dude i was like yo bro this is terrible how do niggas drink every weekend all niggas are dumb like yeah bro bro yeah yeah so Jorge, I would suggest you the first thing you do is put in the recurring task and you can set up a Google calendar to say,
yo, I'm only doing this on Thursday every week or every other Tuesday I do this or every day I just set up the recurrent stuff and then really plan out the the remaining hours with things that help you accomplish your goals or like you know you throw family in there you you sound like you probably Latino ain't they ain't naming niggas or whites Jorge you know so I'm gonna make that I'm gonna make that assumption and so you probably got a huge family Right.
So you spend, so put the family time in the calendar, right?
You get what I'm saying?
Put everything that's important to you in the calendar and start living out of it.
And man, you do that shit for a week.
It'll be the most productive week of your life no if i do that and if you do it Now you start, imagine you start stacking weeks like that on top of each other.
There's no way you can't win.
Like, I've never seen somebody do this for a certain amount of time and not really improve their lives substantially.
Put your work.
Motherfuckers be saying shit like, man, I don't have time to work out.
I'm like, man, you don't, you got time.
Just 168 hours in every week.
You ain't got one hour every day.
You ain't got seven hours, bitch nigga.
People don't want to do it.
Yeah, you plan it.
Like, you don't, you don't.
People try to get around to the things that are important.
Now you get around to the bullshit.
You get around to the video games.
You know, you get around to goon it, right?
But like the real shit, the important shit you put in your calendar.
All right.
Yeah.
Yeah, I've been very inconsistent because I don't have like a calendar set up.
I don't have a calendar set up.
It's very hard to stay consistent without like having a proper.
Oh, right.
You got an iPhone or Android.
iPhone.
All right, cool.
This is what I want you to do, man.
Start planning everything in your calendar and then pin that shit to the top, the calendar.
to the top because time is what life is made bruce lee said time if you bruce lee said if you love life don't waste time because time is what life is made of right so if you're not planning out the time it's the most all your life is just time that's all it is and you and how you spend it determines what you accomplish and how successful you become.
Life is short.
We just saw some creators eating food in restaurants.
Yo.
One of them came on the show, actually Nina.
And they almost died from a car running into the restaurant into your table.
I sync that shit.
Life is so short, man.
Like, you got to work now.
Is it right here in Miami?
I don't know where it was.
I thought it was not real.
It actually is real.
Yeah.
No.
It was big.
I was like, it's not real.
You got mass scars, dude.
No, bro.
Scars all over.
It's real.
That's crazy, bro.
Imagine you're filming a video like he called out.
You take one bite with that drunk driver?
Who knows?
I don't know the details, but imagine you're filming a video, right?
You take one bite and bam.
You took one bite, man.
Bro, just one bite.
That is.
That nigga was shocked though.
He lived though.
Yeah, I'd be shocked too.
I mean, anybody would be shocked.
I should have liked the beginning of a Batman movie or something.
Yeah, that was wild.
That shit was intense.
My life is short, for sure.
Bad movie, bro.
No, you didn't.
Right?
Doesn't look like the beginning of one of the fucking action movies.
You killed my parents.
That shit is like the beginning of an action movie, man.
Alright.
Alright.
Who's the new?
That's good.
Jorge.
Good man.
The Nana me amigo.
Okay.
I've been working on the Spanish.
You're a blar un paquito espagnolo.
Yes, sir.
Look at that.
Yo, you go you go to if you go to fucking yo yo call me poppy what up i poppy keto yo yo I'm sorry what's up fresh heat yo what's up fresh and fit what's going on guys what's up man bro what's up fresh bro I'm in the gym right now you know what's up I'm just working on his body and his mind bro I just came straight from work you know coming straight to the gym you know that's how we do it that's what's up man how can we help you brother uh so
So this is a question for Fresh.
You know, I've been trying to get a hold of this guy, bro.
Pause.
Not like that.
We're not.
But, you know, so I've been trying to, you know, I actually recently posted, you know, one of those things that you guys have, like, you know, when you donate.
I actually asked you recently about the rental game.
It was like Frankie Boy.
That was my username.
Okay, gotcha.
Yeah.
So like, you know, my boy's like into like this.
freaking, you know, guru life.
But like, you know, I know a lot of people would be making money out of it and stuff because they put in the work and everything.
You know, he like convinced me.
So, you know, I wanted to give it a shot.
So I pretty much I did.
Yeah.
No, I didn't.
I don't know too much about cars.
Not like that.
But like, I have a little bit of experience with it.
But I wanted to like get to know because he's like really good with like cars.
He does jewelry and all this shit.
And, you know, I want to just get into it just to try it out.
You know, like we had it.
I had a deal like I had a deal with, um, with Jason Bloom and he had a car he had a bench truck posted for um for 20k down but he sold it you know instantly just like like that so i'm just trying to find like other deals like you know yeah so i can get your advice this this is what i'll say man um i did it for a little bit um yeah made some money and i got out uh was it successful yes and no uh however keep in
mind bro people you see online winning for the most part have a lot of systems in place that it works for them because they have either filled fill time that they did the business or from experience from a mentor.
Now, if you do go into this, you need to be handheld because you can make one mistake and lose your car, lose a client.
These things happen all the time.
Someone crashes your car.
All these things have to be set up before you start doing this thing because it's a real business and it does take a lot of effort and time.
However, keep in mind though., if you're going to buy one car, forget it, bro.
You're going to need at least three to four cars.
And keep in mind as well, you should start small by buying a benz right away.
Like, this is what I'll say.
That's what he told me.
You know, it's crazy that he told me because he was speaking to another dealer.
Yeah.
Now he's like, yo, if you really want to start small, like get like three, like right now, like before we were just talking about this today, you know, he had a C8, a C8, an S-class, and an Escalade.
But I told him, like, yo, no one's, I mean, the Escalade would probably be good for, like, chauffeurs and stuff.
But, you know, but, like, I want him to, like, you know, pretty much, like, help me out here.
Because, like, like I said, this is is like something, this is like all new to me, you know?
And like, obviously, I've seen a lot of people, I've seen a bunch of people that are getting involved into this thing.
And I know it's a lot of liability and stuff, you know?
But like, you know, I just want to learn a little bit more.
Tell you what, I know, fresh.
I know you've been like, you know, tell you what.
This is your life, you know?
I've been following you for a minute, man.
So like, you know, I know what you're about.
Thank you, bro.
Tell you what, bro.
Let's talk offstream, because this is Brandon Carter's episode.
Got it.
But real quick, if you're going to do this, how much do you have to like invest in this business?
I'm willing to, you know, do whatever it takes, you know i'm i'm coming this week on saturday you know because um i have a you know i have a cow an apartment in miami yeah but in aventura you know i recently just got it i just got to close the title and you know and i'm from there i'm free you know okay so it'd be cool if like i you know if i introduce myself to you and like you know you come show me around like as a castle club member like yo what's up and all this stuff and that's a whole meetup brother That's it.
I mean, why not do it for the love, man?
You know what I mean?
I can call you, my friend.
I don't know why you ain't know you, brother.
I'm just a bandit.
I'm going to do a phone callone call with you out of love, but a meetup is the whole thing.
I know I'm going too fast, but I just been calling you.
What the hell are you calling me?
I'm gonna pick you up from the airport.
Bro, I'm gonna pick you up from the plane station.
You know what?
Brad's gonna run your ass for you.
Is he a new person?
I don't know.
He ain't a crew member.
He ain't a castle member.
Tell them why I'm not laying it out for each other.
I got a problem helping you, bro, for sure.
I don't want you to mess up because I messed up some things that I should have known better.
But you coming into the game, making those mistakes won't be good for you.
So I'll help you with a phone call, maybe 20, 30 minutes, and then we should be able to go from there.
But give me your information.
Maybe put it in the chat.
I know you got Instagram, right?
Put it in the Zoom chat.
Your info.
Oh, the Zoom chat?
Yeah, and Bill's also will send it to me.
Either your Instagram or your, you know, Telegram.
and put your credit card number, date of birth, mother's maiden name.
It gives me a tax write-off shit.
Why not, bro?
Yeah, man.
Just, I don't know.
Should I put my phone number on this meeting until we do the call because you need to do this the right way, bro.
Because you do it wrong, it's going to fuck you up.
Okay, got you, buddy.
Got you, got you.
You put your number in there.
First, I'm going to pick you up from the plane station, homie.
All right, let's get the next person on the line.
Who's up next?
All right, I appreciate it, guys.
Okay.
Peace out.
Let's go to Anthony Sanchez.
Guys, just make the quick question nice and quick so that we can get as many people through as possible, bro.
Let's Anthony go ahead and switch your question or iPhone is it?
Anthony.
Oh, it's Anthony.
Okay.
L. Anthony Sanchez.
Go ahead.
What's going on, guys?
Chief Rocker here.
My question is to Brandon Carter.
What's up, man?
Este, come that way.
Este, so me as a trucker, my schedule just kind of like goes everywhere.
And I usually don't find out what my schedule is going to be like for the next day until like nine, ten hours in driving.
Is there a way I can go about that with setting like the gym and like, yeah.
So what you what I tell people like you when they, as long as you know the night before, right, you're going to have to do it in the you're not going to have as many like recurring things or you can have recurring things and just move them around based off what happens the next day because even me I wake up and I look at my calendar or I look at Slack or some of my employees and there might be some shit going on and I have to move things around on my calendar and I'm not afraid to do that.
That's fine.
It's like it's not it's a game plan but it's not I'm not rigid about it.
You know, I'm still allowed to be flexible.
And the plan can change at any moment, you know?
But it's better to have a plan than to be out here freestyling.
You get what I'm saying?
So as long as you know by the morning what's going on, then you can go in your calendar and start moving things around like Tetris and just make it fit.
Pause.
Ow.
Got me.
Appreciate you, man.
I heard through from John MLD.
He's my mentor.
Hey.
That's what's up, man.
Shout out to him.
I'm MLD.
Appreciate you.
I'm going to bed.
Yeah.
All right, bro.
All right, man.
Who's up next?
We got Spartan.
What's up, Spartan?
Oh, congrats to you brother hit hit uh thanks thanks man um i actually had a question but from uh about the atm together there was a guy another cast of club member was making like a thousand um from atm together i was hoping that if i got on the call i might get in touch with that guy um so that's basically it obviously thanks to fresh now that uh he helped me um youtube is uh doing well so i'm thinking of I'm trying to figure out, okay, where am I going to put this money in to, I guess, make more money, stuff like that.
Yo, just don't count on the YouTube rev, bro.
Like once they had saying, I'll warn everybody that wants to be a YouTuber, bro, never count on YouTube rev, bro.
They can, you can get hit with an apocalypse.
You can get hit with them demonetizing you whatever bro like never ever rely on YouTube ever again bro well I never will but I actually it's funny that's that's what actually happened to me um last time oh they demonetized him yeah no no I got nuked you got banned yeah for the you remember the Vitale stuff yeah they scrubbed all that and my channel got swiped away so yeah oh you were like open a Vitale Yeah,
so when Vitale got arrested, some of that stuff got picked and then I appealed and obviously it was done.
Okay, okay.
Yeah, they just took it off.
Yeah, yeah, look at that shit as vigilante shit, bro.
So yeah, they won't, yeah, you'll get, you'll get in trouble.
Yeah, that was a creditor.
Yeah, yeah.
So I'm back now.
Things are going a lot better.
Yeah.
So I'm just trying to get, I'm trying to figure out, okay, because I have like 30,000, 33,000 in credit, available credit card, not liquid, I'm like available credit, and then 50,000, 40,000 in like capital.
I'm thinking, okay.
What do I put this in to earn me revenue so I can pay off my expenses?
Yeah, so that's what I'm thinking right now.
So I'm trying to get in touch with that guy so I can figure out.
Well, just say his name, bro, and then we'll move on to the next person.
I know you're trying to move on.
You were trying to get a hold.
What's his name?
I don't know his name.
I just, I was hoping that if I come on here, like, hey, I want to speak to you.
I can get in touch with that guy.
Put it in the Zoom chat then.
And then hopefully he'll, he's here.
Put it in the Zoom chat.
Maybe he might be in there responding to you in the Zoom chat.
Okay.
All right.
Thanks, guys.
All right.
Let's go to Stefan Thomas.
Let's go, guys.
Stefari Thomas.
Questions for Brandon, guys.
Let's keep it financial.
Stefari.
I bet you he's black.
I bet you anything.
They ain't not making white Stefari.
They ain't making some white safaris yet.
hear me yeah yeah and he's black i know it man i know my people yeah man how are you doing how are you doing blessings blessings all right Okay, so I'm looking for possibilities.
So I'm international, I'm an international student from Jamaica.
No, you don't know.
Okay, you didn't hear accent?
No, I'm on.
Yeah, man, I just got to make a big up.
Yeah, nah, nah, nah.
What the guan?
What the guan?
Yeah, dude.
What the damn, what the damn.
Yeah, man, big up.
So basically due to the immigration situation, I am not able to work, but I'm looking for possibilities to basically make money.
And the only possibility I have now is.
No is day trading because I know I can do that in Jamaica.
So I know that's legal for me to make money, you know, but I'm looking for like other possibilities where I can make money and not get it illegally if I get um, yeah.
I don't know, man.
I mean, what, are you here like on a student visa or some shit?
Yeah, that's right.
So they can't work this?
Yeah, it gets into, yeah, he has to have like a work visa.
I mean, bro, you go to school, right?
Yeah, that's right.
Try to do work study with your school, bro.
That's what I would do.
Yeah, but yeah, that's the thing.
That ain't paying.
That can't pay school fee.
I ain't got that.
Well.
That's like minimum.
Well, you're a full-time student, right?
Yeah, I'm a full-time student.
Yeah, I mean, or you could apply for a work visa too, bro, while you're a student.
How would I go about that?
Just asking.
Well, man, because you'd have to get a work visa.
You could go ahead and get a company to sponsor you.
That's one way.
But the other thing also is that like, if you're in an online business, I don't know if that's subject to well, it depends.
Right.
That's a tricky situation when you're a student, bro.
Yeah.
So, I mean, I'll say this, bro.
Obviously, do the work study, right?
I know you said that you're going to need more money than that, but that's weird, though, bro, because if you got a student visa, you had to have shown that you have the ability to sustain yourself, right?
In the United States.
Yeah, that's right, but this is the thing.
I want to be able to assist my mother.
I'm getting a scanner, bro.
I got to put the right shit on the network, man.
I don't believe this.
I don't believe it's going to work.
I just had to.
The mother needs more.
Oh, my God.
For a while, you know i had to leave where i'm from because it's not a good place so i was like okay let me do this college thing to get out of that area no try to bit of my life to make a scammer man no not a scammer no okay okay okay i was a scammer would even be here trust me daddy trust me Yeah, I don't really care what people say.
I'll say, this is what I say, bro.
Start researching, man.
All jokes aside.
Start researching ways to pick up employment, get a temporary work permit.
um while you're here i think you can apply for one to get one even as a student all right they're probably gonna ask you to like show documentation but you i think you could do it bro you can actually get a temporary work authorization ed card employment authorization document ed um even as a student but you're gonna have to apply and get one but you can do it that's i'll say step one so you don't get yourself in trouble and you know work while you're here as a student and violate Yeah, that's all jokes aside.
So I would have to like go to like a company that I would like to work for to get that.
Well, that's one of the ways, but I would say work on trying to get an EAD first.
One of the ways you can get one is get a company sponsor you, but there's other ways to do it as well for a student.
I'm just not familiar with it right now because I haven't read up on it for a minute because obviously the EAD situation has switched up quite a bit.
And we've got Trump in office.
I'll be honest with you, whenever we have Republicans in office, they're not as pro-immigration.
So it might be a little bit harder for you.
But I would say research it, find a way to what you can do to get an EAD as a student visa holder and go from there.
All right.
I appreciate it, my friend.
No worries, my friend.
right who's up next uh, bro?
Hey, how's it going, damn.
Your hair got its own agenda, Nigel.
Yeah.
Yeah.
Sorry, but hey, I'm by the, uh, I'm a big fan.
You guys, you know, you guys saved my life.
It's thanks to you that I'm even here.
So I just want to shout out to you guys.
Brandon, love your videos.
You've I watch, I watch you all the time.
Thank you for everything.
Thank you.
You're welcome.
Thank you.
My main question is, uh, so I watch Brandon Carter a lot and he's always talking about how, you know, no excuse, work 84 hours a week, you know, consistent, work hard.
I used to work 80 hours a week all the time, like last year, but now I have my son and he lives with me full time.
I know, can you hey, so Myron, I'm a big fan of Myron.
Oh my gosh.
What's up, buddy?
How are you?
Hey, man, this is my son right here.
No worries, dude.
I'm gonna ask you.
Don't worry, we turn the camera off so they'll see you.
Yo, yo, chill, chill.
Just pull up.
We turn the camera off so they'll see him, but what's up, buddy?
How are you?
Sorry about that guy.
No, no, no, I'm good, man.
You're good.
My son, he loves Brandon Carter.
He wants to grow up to be like Brandon Carter.
That's a good.
That's a good boy.
That's a good boy.
Yeah.
Yeah.
He's he's got a bright future.
He's a huge.
He's a huge fan.
But I just want to kind of figure out what's the best route to kind of being able to work 84 hours a week consistently while having a son.
Because he has I take him to all his appointments.
He lives with me full time.
He lives with me.
I take him to his appointments.
I I've been kind of struggling to work 80 hours a week.
You probably can't if I'm being honest with you.
Like you know, you probably can't.
Like that advice is for like when I hear these young guys telling me, hey man, I'm broke and they just sit around being broke, you know?
So I would prefer that like you, you, you, you got to do what you can do at capacity within the confines of your responsibility, you know?
And if you got responsibilities, it's cool.
I get it, man.
I'm a dad too.
My son, it makes sense for him to get a babysitter, you think, or he'd have to cost an out and analyze it right?
It depends on how much, how much, how many hours a week are you working now on average?
So currently right now on average is like 40, 50.
I was working 80, 70 hours a week when my son was living with his mom in Florida, but now she's we're in Washington now and he's living with me and kind of struggling to to it's not that i don't want to it's the fact that like i've been having him full time um i do have my mom helping me out sometimes babysitting but you know she can only do so much and it's my responsibility to take care of her and i want to command him for being a good dad though man i think we shout it out man like we got good dads out here you know taking taking
responsibility and that's the most important relationship you you have you know so i would say you know, you figure out what your capacity is and work at capacity, right?
And, you know, it's just, it might not be the same as a kid who's got, you know, who ain't got, who doesn't have his own children, you know?
And you just do what you can.
And, you know, it might make sense to get a babysitter sometimes.
If it makes sense to you financially, you can get them.
If you make more, then if you're able to actually make more and that money doesn't go towards the babysitter, you can cost analyze that.
If you have family, maybe the baby mother's mom or your mom or you, if you have any type of family in the area, they can help you as well where they can watch them for a few hours so that you can work more hours.
But it really comes down to a cost benefit analysis of, you know, babysitters are expensive.
So you working those extra hours.
The reality is, are you going to actually profit from doing those extra hours?
If you're not, then it doesn't make sense.
But if you can, then that, that's an option that you can go or leaning on family.
I don't know.
I know you said you moved and you guys are Washington now, but if you do have some family in Washington, that could also be a great asset to you.
And what might be making more sense, I don't know where you're at financially right now, right?
So if you're in a cool position right now, it might make sense to invest in some sort of skill set that can get you a higher paying job or you start making more money per hour.
Does that make sense?
Right?
Like, yeah, that might make sense.
I don't know what you're.
Like, those hours that he's not working, yeah.
He could take those hours with his son and learn a new skill or something.
I see what you're saying.
Like, okay.
Maybe.
It's a really good idea.
I just just don't know.
I don't know.
I would have to know more about your situation and what you have going on.
But the, yeah, I mean, I won't take too much time of, too much of your time, but basically I don't, I was making around 5000 to 6000 a year, I mean, a month.
But now I live in Washington.
I live in the in the Seattle area, Bellevue area, and it's it, um, it's pretty expensive out here.
And, um, I'm only making about 3000 a month right now at the moment.
And rent's like almost 2000.
So I'm kind of pushing on that.
You would have, all right.
So now you're in a position where you might have to, like, get some more money, like, yeah.
Immediately, you know?
Yeah.
Yeah, you have to make more.
You got an earning problem, bro.
So since you have an earning problem, There's only really two ways to deal with that.
You either A, earn more through working more hours, or B, leverage a skill set so you can get paid more for your time.
So yeah.
In this situation, dude, I would say for sure, if you can't, let's say you can't afford a babysitter or you don't have anyone that can help you with the extra hours, take those extra hours to learn something new so that you can get paid more with the job you already do.
And he sounds like he's old enough where like you ain't got to like, make sure he's not, you know, he's not like a toddler.
Yeah, he's not like a toddler.
You got to stop applying for yourself.
Oh, he's nine.
Okay.
Oh, yeah, he's nine, man.
So like, listen, man, yo, what up?
I'm still with a question, man.
You don't want some, you don't want some, you don't want some brand.
on some Brandon Carter videos that haven't watched that.
Yeah.
On repeat.
And then, and then you could be like working on a skill set, you know?
Yeah, yeah, for sure.
That's what I've been trying to do is figure out what kind of like skill I can learn or whatever.
I've been also looking into like investments like index funds and stuff like that.
But it's not you don't have enough, you don't have enough for it to make a difference, you know?
Like you need, you need, you need to make more money.
Yeah.
Yeah.
This is an earning issue.
So we, we got to get you to earn more.
Yeah.
All right.
Thank you.
My son just wants to shout out and Yeah.
Just give me one second.
Yeah.
Yeah, yeah, yeah.
Don't ask anything crazy, okay?
What?
All right.
Just what are you going to say?
What's up, mommy?
Wait, wait, okay.
So Myron, I'm a big fan of you and I'm also a big fan of Brandon Carter.
And so I want to, the question I want to ask you is, um, so when, um, so like when, um, when a man and a woman are in court together and like, and when they're asking like, and when,
um, some the other people like the judge thinks like, um, the woman are the innocent one when it's so obvious when the woman are actually not like why don't you um like like why don't you make like trust a man more that's a good question taking care of the kids hey man that's a good question bro we need you to grow
grow up and become a politician and fix this, okay?
Facts, bro.
I wish I had the answers, man.
We need the new generation to fix it.
We need you to grow up.
We need you to grow up and become a politician, bro.
It's your responsibility.
And also give us the stock tips once you do it.
Put them on YouTube, bro.
Put them on YouTube already.
Yeah, no, man.
All jokes aside, bro, that is a good question, a very good question.
It's very profound that a young man like you would come up with a question like that.
But yeah, dude, we need the future, bro.
People like you to come in and change the laws and help guys out.
Yeah, man.
All right.
so thank you thank you but what's the answer to my question i don't know you you are the answer my friend the future is the answer we need we need kids like you that are going to grow up and become politicians and change it man you are the you are the answer my friend All right.
So it makes you go to school.
You become successful so you can go ahead and make a change and get these, you know, get these laws out of here, man, and help guys out.
Yeah, man.
You're the future, bro.
Okay.
It's up to you, brother.
We all depend on you.
Thanks.
you max and guess what hey thank you all right all right that's fine all right man no worries thank you guys thank you everybody love you guys no worries man love you too man peace uh let's uh let's go to the next guy uh who's up next here imagine he saves the space coming up you know what man i don't let my son watch Brandon Carter videos, but everybody raised their kids different, and it's working out for this one.
I might have been making a mistake.
He's nine years old asking a question like that.
That's great, man.
Asking really good questions, bro.
Like, huh?
So, yeah, man, that's our future right there, bro.
That is our future.
So we need more people like that.
What's up, man?
Who's this caller?
hey what's up guys can y'all hear me all right yo iphone what's popping me welcome what's good man tj's the name sorry i didn't have a chance to uh change you yet but i appreciate all you guys do man and uh thank you guys brandon fresh myron man i really appreciate you and i'm be you know cautious of you guys time i know you guys have the question no problem my phone so i was wondering uh what would be i guess some steps to take if i'm looking to get started in real estate.
now, I got about 80k liquid ready to go.
And I'm thinking about doing property investments.
So I was just wondering, like, Myron, when you first got.
started in that, what were the first things that you looked out for and the first steps that you took to get started?
80k.
Myron, I think you should answer it.
You got more property to me.
Yeah, but you've been buying a bunch.
But you, I buy section eight.
You know, and I do a little bit.
Yeah, any of y'all.
Any of y'all.
My Myron has more experience.
I'll keep it simple, bro.
The number one thing, look, I think when you first start out in real estate, you want to buy turnkeys.
Okay.
And the reason why I say turnkeys is because, and I'll say buy a turnkey and then buy a property that's like in your immediate vicinity that you can look at and check on.
Okay.
I want to really start investing into attestate and everything else like that, unless you have a system like Brandon does in the Midwest where he's working with someone and he's able to get the deals in a certain way and he has someone managing the stuff over there.
But I'll say your first deal, bro, get it done close to you.
If you want to live in an end house, that you can, or if not, then you're going to have to put 20% down.
But I always tell people, try to get your first property to be a turnkey.
So it's ready to go as soon as you buy it as far as like, you know, cash flowing.
And then on top of that, keep it in the same state or area as you.
So you can like look at it and kind of learn how to deal with the real estate property from a property manager perspective as well.
Because that first house, you want to deal with like, you want to learn how to deal with toilet issues or, you know, plumbing or any of that crap.
And once a two houses are manageable in the beginning, and then you can kind of work and build from there.
But that's what I'll say just to get yourself started, to make it nice and simple.
Got you.
And so are you like seeking help from like real estate brokers, investors like?
No, do your first deal by yourself, man.
Do your first deal by yourself, use a real estate agent, buy it whether you want to procure it as a house hack like Fresh did, or you want to go ahead and buy it as an investor like I did and put your twenty percent down.
It really depends on how much money you have and the housing prices in your area.
But do that first deal from beginning to end on your own, use a real estate agent, understand the entire process because I do think that it's extremely valuable for you to take a deal from making an offer to putting your earnest deposit to, you know, looking at it, doing your inspections, doing your appraisal, all that.
That's all vital stuff for you to learn, you know, how it works and then go from there.
Negotiating all this stuff.
Cool.
Yeah, appreciate it, guys.
All right.
And you know what, man?
I might do another episode on how to buy real estate step-by-step for 2025 for you guys.
I appreciate it all the time.
Thank you.
No worries, bro.
I had iPhone.
I'll let you, man.
Now, you've said that you...
I think section eight is fantastic.
Yeah, and I mean, if the rents go up, like you raise the rents, you know what I'm saying?
Like, yeah, section eight pays the rents, you know what I'm saying?
Yeah, the only thing that sucks is you got to get approved by the state and then they got to say that they're going to do it.
Yeah, like, this is a process.
I've noticed with section eight, it's really good in like the Midwest because once the rents kind of stay the same for a year or two or three years in Miami while it's a promise, because the property value was going up.
So the rent was going up with that.
So I'd lock in a certain rate at section eight and then I'd need to up it again.
Yeah.
And then instead of doing the paperwork, I'd be like with the tenant, yo, look, rents in the area really is this.
So tenant will be like, all right, well, you know what?
I'll take the section and I'll give you the 200 or 300.
Yeah.
But the problem with these niggas is that they don't pay that portion of their share.
They don't pay the 200.
Yeah.
They don't pay the 200 or 300 because that's why they got section eight in the first place because they're irresponsible fiscally.
They're stupid.
So what's up happening and this is like just really I would say stay away from section eight guys in areas where the rent is amenable to change and go up.
Yeah.
Because the section eight is not going to keep up with the rising rent rates.
And then you're always going to have to fucking tell these guys, yo, you owe me 100 here, 200 here.
And it adds up, bro.
Yeah.
My one experience, bro.
Never again.
You know, was it in Miami?
Miami.
Yeah.
You can't do it, guys.
You're smart.
He did section eight.
If you're going to do section eight, bro, learn from our mistake.
Midwest.
Do it the way it is.
It's a little bit lower.
It's a little bit lower.
Midwest.
Midwest.
Also, Anton Daniels, same thing, Midwest.
Yep.
Do it.
Do it.
Basically, it could be anywhere in the U.S. really, but it's got to be somewhere where the rent ain't going up like that.
In Miami, it's flying up, dude.
It was going like a couple hundred dollars every month or so because people were flocking here.
So we had to raise, you want to raise the rent to keep up with costs.
And then they can't fucking afford it.
And then you got to go to section eight.
Be like, well, I need to raise the rent.
And then it takes months for them to approve it.
And I was like, fuck that.
Bro, it was so about, I had to go to the office for section eight.
to talk to them listen my tenant is not paying like what's going on here yeah and then do it in my hand write him a letter it was back but you got to do that in the midwest yeah and you want to get like some old people in there preferably.
Yeah.
You know, some old people And or veterans, cripples and shit like that.
Because they're not, you know, they ain't get, if you get like an old cripple, yeah.
In the air, right, they're not going to be blowing the money partying or.
Yeah.
They're not going to be blowing it on Hennessy or Quaaludes or whatever.
Like they just quit.
Yeah.
They just owe, man.
But yeah, that's my biggest set for you guys.
Section eight is fantastic, but you got to be somewhere where rent is fairly stable.
If you try to do section eight in an area where rent is amenable to go up, Austin, Texas, Miami, Dallas, any of these areas that are hot real estate markets where property prices go up, fuck no, man.
Don't do section eight.
Ohio.
Fucking.
You know, it's Indiana.
Illinois and rural areas.
Rural Illinois.
Kansas.
You know, you want to be areas like that, man.
So.
Yeah, not Chicago, obviously, but like rural.
Yeah, like Chicago is a perfect example of like, you don't want to, because it's expensive and rent will probably go up because it's a major city.
And then, yeah.
Not even the suburbs of Chicago.
Like, you want to go out to, yo, man, the suburbs, you go out to the suburbs of Chicago, man.
White people was gangster, man.
Yo, straight up, man.
You go to, I know some white thugs from Rockford, Illinois, man.
Thugs.
Let's go ahead and hit some other bugs.
I think we got one chest here.
One chest, we got a question for you.
Yo, one, yo, that's the.
homie.
He's the HTT.
Yeah.
That's my dog.
No, he's good.
Yeah, he's good.
Okay, yeah, that's the homie.
Let's go.
ME09 then.
Let's get as many people knocked out as possible.
Paul.
No, these are no hands.
Oh, no hands?
Okay, let's take a phone call then.
6464900394.
One guy's raising his hand.
Guillermo?
Guillermo?
Good eye.
Guillermo Norega?
Nigga had to do it on camera.
He didn't know how to do it on the computer.
He was raising his physical hand.
Yeah, yo, you got to thank Red as girl, man.
She saw you on the side there.
Don't be thanking my girl, man.
Don't talk to her.
Yeah.
Yeah, hello.
Facts, nigga.
All right, man.
What's up, bro?
What's your question?
This is my first time using Zoom, you know, so okay.
So like, all right.
So I had a question.
So I know you're talking about like turnkeys and like using real estate like as an investment strategy, but other than that, like, what do you think would be good?
Because I have like around 35 to 40 K and I'm 22, so I'm trying like Brandon, if you're someone diversified, you could hit this one for him.
Man, I stopped listening to him.
No, it was like my fault, man.
Like I decided he wants to get out of real estate, he wants to get diversified and invest in other stuff.
He has about 35 to 40 K to invest.
Okay, cool, man.
Yeah, yeah, so sorry about that.
Man, there was some like shit going on in the backg background that distracts?
Did you all hear it?
Oh, no.
I heard somebody screaming.
Anyway, homie.
Somebody screaming.
I didn't know if there was a murder or like a fight.
Probably one of the girls in the background.
But it's all good, man.
All right.
So you got 30, 40 K. You want to diversify your portfolio, is what I'm hearing.
All right.
So you can start investing in the stock market.
He said he got some real estate.
Is that what he said?
No, he said outside of real estate.
Outside of real estate.
Yeah.
I prefer the stock market personally because I can do it from my phone.
Yeah.
That's the first thing you really were getting into, heavy, right?
Yeah, heavy, heavy, heavy, heavy, heavy, heavy.
So there's a few different options, right?
can just do dollar cost averaging into an index fund that's probably the the safest thing to do you know and that's what like an S&P yeah S&P you know 10% return VOO or and or QQQ you know VOO is like the S&P 500 but it has smaller fees yeah the Vanguard you know each of these brokerages bro has their own code but what brand is telling you the bottom line is investing in a S&P sorry investing in a index fund that follows the S&P 500 you can't go wrong bro yeah so S&P 500 I like like
VOO for that one.
you can do qqq um Yes, fine.
That's good too.
QQQ is that?
That's Nasdaq.
All right.
And you get higher beta with Nasdaq.
But then VT Sachs, I think, if you're using Vanganguard, of course, I think that's the entire stock market.
Yeah, I think that's the whole thing.
Yeah, that's the whole thing.
Yeah, that's the whole thing.
Or, yeah, they're also putting a lot of money into Nasdaq, right?
Like, nice, nice.
You know what I do is I don't buy Bitcoin itself.
I invest into the ETF.
IBIT is the ETF.
And the reason I like it, let me tell you why, is because now you can do some, you got some, you got a good amount of bread, right?
So you can do some interesting things with, with options as it pertains to the stock market.
For example, I never just buy a stock or ETF.
Like just straight out, what I do is I sell what's called a cash cure put.
So if the stock is, the instrument, whatever you're trying to buy, let's say it costs $100, it's at $100, right i'll sell a cash secure put where i'll put up the money to say hey man at the end of the month i'll buy it at let's say 90 right and then what they'll do is they'll give me what's called a premium for that i mean i'll sell a cash secure put i apologize i sell it and so the the brokerage will hold your your bread but they'll they'll give you a premium depending on what you what you buy right
yeah and they'll give you they'll pay you to promise to buy it.
And that's what it's going to hold your money, right?
Now, one or two things happen.
You pick a strikes price and one or two things happen.
Let's say it's..
say it's to the end of the month at the end of the month i'll buy it at 90 if it's at 90 right if it's above 90 then you get your money back and you get to keep the premium that they gave you right but if it go but if it goes down it's like okay cool man uh it's called you get assigned and now i i bought the the stock for good i bought it for a cheaper price than it is right now so let me make sure i have this right because that okay that's very cash secure put and um I know we've talked about puts before.
This is something that you specialize in selling puts.
I mean, it's selling puts, not buying them.
So like, okay.
It's selling and you got to put up the cash.
You got to put enough cash to buy 100 shares.
Okay.
I'm going to make it super just so I can understand it.
So let's say some random stock you're saying i want to buy it at 90 it's 100 right now yeah so you you give the you pick the price you give them 90 yeah they hold it they they're gonna they're gonna hold the the 90 or the full price 100 yeah 100 times 90 yeah you know what i'm saying 900 okay oh so they're gonna oh they're gonna take 9000 i'm sorry yeah yeah so they're gonna hold that because because they gotta buy 100 yeah yeah yeah before if i buy one one so one one option is 100 shares.
Gotcha.
Okay.
So I'll buy it.
Listen, hey, brokerage, I'll buy it at 90.
Right?
You can hold the money and you got to pick up what's called a date, right?
You pick a strike price, which is the price I want to buy it at.
Then you pick the date, expiration date.
At the end of the month is at 90, I'll buy it for this, you know?
And if it goes up, then they by that time, they just give you the money back.
But you, they pay you, you get a premium.
Gotcha.
You get, you get money.
Because when people are buying options, they're buying them from me, right?
Because I'm selling options, you know?
That's how Warren Buffett enters and exit stocks.
Yeah.
Okay.
So to get an option, that's 100 shares in that company.
Yeah.
Let's say it's 100 dollars.
That's 10,0000 total right yeah right so it's like to get that option is $10,000 so you're saying look I don't want to buy it at $100 I want to buy it at $90.
Yeah so you basically put up the $90,000 that you would have paid for it you would have paid for it you would what you would have paid for if it was at that price and they're going to give you and you get paid to buy it to do that so that they can hold your money yeah you get paid what's called a premium it's like the bank using your money on fucking entry exactly what it's like and then it's like not buying that and here's the thing yeah here's the thing let's say you end up with it you it goes like it's your price you give them a little bit more yeah you say you give them a month okay you got 30 days to get to or
i'm gonna wait it 30 days for it to hit $90.
Yeah.
And then let's say now I bought it, but I bought it for cheaper than I was going to anyway, right?
I bought it for the price I wanted to.
Yeah.
If it goes down.
Yeah.
If it goes down.
And then once it hits that $90, it triggers the payment.
No, no, no.
Only if it's at that date.
or whatever date you picked, right?
It can go past $90 and then back up.
Okay.
It's like, where is it at that date?
Okay.
Now, if it's at it there, you get it.
Yeah.
If it's not below, right?
So you get it.
So you end up buying it.
You'll be in the red immediately.
Like it can go to $80.
Oh, and you won't get that money back.
No, yeah.
You still have to buy it at $90.
Okay, but the Bennett maybe that premium offset some of that maybe right and then it's like all right You know I only do it with shit that I wanted that I was gonna buy anyway, and I was gonna hold long term I see you get up, man.
I see what I'm not it's not it's not like this is right Yeah, okay, but then when you own the stock right let's say you own a hundred shares or something right you could say it was called a covered call So I'd be like let's say you let's say you end up with it shit at 90 where you got assigned So I can next month.
I'll be like listen I'll sell my shit at a hundred Right, okay If that uh, would you just procure you and you don't have to put no money up you just put they hold your stock as collateral Right, it's called a cat.
It's called a covered call your stock covers it right boom and then you still get a premium So if it if it hits you if it hits your strike price, then you sell it But you but you know you put it above where you use where you got to sell at a profit Or but if you know what you're doing then you cannot get assigned Right, and you could just keep collecting premium on the stock.
You already have Those those I had a big portfolio man.
I was making like 20k a month Just off doing just doing this, you know with my because you can't It's I'm a sign with you dedicated day to this you would say I would do it weekly Okay, all right Monday.
Yeah, yeah Monday's four times a month you're in here kind of in there.
Yeah a couple what an hour?
Yeah, yeah Yeah, maybe I give myself an hour to do it 20k a month for four hours of work pretty much Yeah, yeah you would say that's crazy.
Yes so just go so just like learn um you're gonna have to make that bigger if you want me to read it yeah man i'm 42 man yeah yeah yeah yeah uh You know, but or you can just fucking buy the shares.
No, I mean, I like that.
Because, and just because I think this is something that maybe some guys here can get involved in.
Because I know a lot of people don't like real estate because you got to get a bank involved, loans, all this stuff other shit all this credit checks it's inspections it's it's a very i ain't gonna lie to you guys the real estate process is extremely cumbersome and a pain in the ass so i understand why people are reluctant but i i didn't think about this so let me i just want to make sure i get this right because this is a lot of value that you're giving here brandon yeah so let's say they got because there are people here they got they're sitting on 20 30 40 000 and they want to go into real estate so what they could do is let's say they got a share so they want to buy an option which is 100 shares of a company they're gonna sell say they're
gonna sell um Let's if they got the money, you sell a cash secure put.
Okay.
And that's at that $90 thing that we discussed.
Yeah.
Let's say it's at 100.
You can sell it below that.
You pick the strike price, which is 90.
And then you pick the date.
And then if it hits that number by the date, then you end up buying it.
But you get paid to sell the stock.
You collect the premiums.
You get paid to buy it.
So that's why I don't just buy Bitcoin.
I do that on the ETF.
Because you're able to almost double dip.
Yes.
Okay.
That makes sense.
Yeah.
Yeah.
All right.
it's a way you can almost like get a dividend off of stocks that don't give a dividend.
Who told you that?
Huh?
You know, just, I just, I'm gonna keep doing this thing on the side for years, bro.
All right.
He's been doing this thing on the side for years.
All right.
Cool.
Does that help, bro?
Hell, I learned something.
Oh, yeah, yeah.
Or you can just buy the stock, you know, like dollar cost average into those individuals.
And I really like the Bitcoin ETF, man.
I think I know somebody.
That's really good, bro.
I didn't even know that.
Yeah, you could do that, man.
Yeah, for sure.
All right.
Just Google cash secure puts and cover calls if you want to learn more about that.
Or if you want to keep it super simple, then just buy the ETFs.
S&P 500, QQQ, iBit, which is the Bitcoin one.
And you can just do that.
That works.
Thank you, man.
No problem.
No worries.
Who's up next?
Lock and key.
Yeah, man.
Giving you lots of value, man, on the money stuff, bro.
So who's up next?
This last one here.
Last one.
Hey, can you guys hear me?
Yeah, we got you.
Postgame.
Hey, man, making life good, man.
Can't wait for you guys to get back out to Vegas, but had a quick question about the money stuff since y'all are talking uh stocks and high sales sure um first one might be uh maybe brandon you'd be able to help answer this do you know what the minimum is to collateralize your stock portfolio let's say you wanted to use that as an asset to be able to um use some capital to do other projects yeah you know i think that's going to depend on the lending institution you know um and also you could just have a margin account right and And some
brokers are just fucking loan you money right off that of what you have.
You have a margin account.
You can just borrow money.
Like Robinhood, if I'm not mistaken, would just let you borrow some money if you have Robinhood and you have a margin account.
Can you explain real quick to the audience what a margin account is?
A margin account is like you can buy or sell.
You can buy stocks on margin.
So you can put in like, let's say you put in 100 grand.
you know now you can you can probably depending on the instrument buying but for the most part you'll buy like 200 grand worth of oh yeah so it's almost like they're giving you stock on consignment you can you can buy it on consignment now some things have but how do you pay in rate then no you just it's like when you sell right when when you sell you know you you know it's just it's just like you're buying twice as much basically you're borrowing money from the brokerage if you have a margin account.
But sometimes you could just borrow the money.
So they'll lend you money to buy stocks on their broker.
And you put up your money as your money is kind of like collateral, right?
However, if you fucking pick the wrong shit or shit goes down, it can fuck you up because then we get what's called a margin call and they'll start selling your shit for you.
I guess.
Make sure that they're no longer in arrest.
They'll be like, yo, either put some more money in this shit or we're just going to fucking liquidate your shit so they can get the cash back.
And then every brokerage, I'm assuming, has different turning points of this where they're going to start fucking with the margin account.
Yeah, most part.
I don't know.
I haven't fucked with a whole bunch of different brokerage accounts, you know so but uh for the most part yeah you can definitely get a margin account and it's like you know when when there's like big crashes and you see a lot of people who bought on margin shit starts falling that's why it starts falling fast because people do you have a margin account yourself or oh yeah you do do you suggest people well i mean you seem like a bit more of a sophisticated investor but do you suggest this for beginners or anybody that this gotta be you know what man i don't know i mean i would buy on margin
for sure just because i if you have just started like today's the first day you heard the word stock or etf no i just get a regular account yeah Yeah.
For those that are a bit more sophisticated, like the caller here, what would you suggest people on margin?
How much should they be, I guess, allowing the brokers to give them to purchase stock?
Like what margin, I guess, would you say is the max to be safe?
I'm sorry, can you repeat that?
Yeah, so like, basically with a margin account, you can essentially use the, Yeah.
What would you say is the max that people should never go above?
Well, you know what, it's not that.
really like how much cushion you have so there's like okay they'll typically tell you how much cash you have to have in there before your shit gets but they have to start liquidating liquidating the stocks on your behalf you know like you get margin calls i remember i i was so heavily invested in like uh 2002 that they were just like hey man this because shit went way down like you know it was a kind of a big correction yeah and and
i had placed some big bets on certain things and they hadn't panned out at just yet right and they were like uh they said hey man you got to put some more money in here or we're gonna have to start selling some accounts you know and i was like it's cool i had to put some more money in there so so yeah what's what's the max margin you should say they'd be messing with them so they don't run into that situation or is it just it depends on the person and then it's really just how much cash how much of a buffer you have you gotta you gotta have enough cash in there or be pro and or
be profitable enough that it's not a big deal gotcha i wouldn't recommend doing margins at all for a beginner you might lose everything doing that it's not safe yeah i could lose everything i understand unless people have lost everything from that overnight yeah yeah i can see that you gotta be very disciplined but i think he just i think he just he's not buying on margin i think i can win off his topic he just wants to be able to borrow from his assets yeah that's what your question is bro right you want to borrow basically from your from what you already have in equity to to procure more yeah i don't know
i've never i've never done that i never like went to the bank and be like yo put my stock up as uh collateral i don't think they'll give you a loan bro no they will they will yeah yeah alpha stocks oh yeah oh yeah my much my boy showed his portfolio to the dealership but how much do you gotta have a lot for them to do it they get him a loan for a car well that's that's what like crazy super wealthy people do they never sell their stock that they just borrow against it yeah it's called buy borrow die smart where you just keep borrowing against it because because
uh um loans are tax-free yeah that's why like these big big a lot of guys they talk about their net worth it's not cash flow right they don't even want even want a whole bunch of cash because they they their portfolio their stock they they can use that as collateral and they buy I never thought about using your it's smarter your stocks as a I mean for me I've always looked at it real estate is the best way to, you know, because a bank will always give you a loan on your property or whatever, especially if it's paid off.
But I never thought about using your stock portfolio.
But I would assume like, yeah, if you got a big ass stock portfolio, you can definitely do it.
I've never done it.
So I don't know the answer to your question.
I don't want to bullshit you.
Them boys on the whites.
Yeah.
Do that a lot.
Okay.
Fair.
But yeah, that's what I learned from.
Fresh.
I learned from them boys.
I'm telling you, bro.
Because loans are tax-free.
Yeah.
Yeah.
So what people will do, they'll buy investmentsments and they'll just take loans against it.
Take loans against it.
That's really what it is.
Yeah.
And you could do real estate, you could do that.
This is why, like, I think Beyonce and Jay Z, they just refinanced one of their homes.
But it's they just went, this is cash.
Yeah.
You know, they can do mad shit with it.
Yeah.
So they're having a cash.
Yeah.
Because that's when you when you get that money, cash that refinance, it's not, yeah, loans are not taxable.
Yeah.
That's income that they're that they're not going to tax.
That is, that's true.
I mean, this is what people do all the time.
Well, they'll they'll procure the asset and then borrow against it.
Yeah.
And they use that money.
My boy was like, then use another asset to pay that one off and just keep doing that shit.
We've seen one of my boys, he's got a huge stock portfolio and my homie on Instagram, Booty King.
Paul, yeah, he teaches girls how to build bigger butts.
Oh.
Yeah, the homie Booty King.
And he was like, man, don't pay taxes by stock and just get a loan off your stock to pay the taxes.
I was like, yo, you brilliant Booty King.
Shit.
I think I know what you're talking about.
Him and his girl run a camp together.
They kill girls.
Yeah.
Booty Queen.
Yeah.
Yeah.
One of his students.
All right.
Cool.
Let's get to the next person.
Good question, bro.
Good question.
That's the last one for Chris.
That's the last one?
For Chris.
Okay.
Well, I mean, there's one more.
I see two hands here.
Chris.
It's not coming out real fast.
Cool.
All right.
Rapid fire these last two.
Go ahead.
iPhone 6.
Oh, it's one?
Okay.
It's iPhone?
Okay, iPhone, go ahead.
You're the last one, bro.
Hey, how are you guys doing?
What's up, brother?
Hit us with your question, please.
Good.
So I just wanted to get the, like, right now I'm locked for five years for the four Plex real estate investor, but I have to be five years to probably 2027, 2028.
Bro, I'm not, I'll be honest with you, you're kind of mumbling a bit.
What is the question?
Something about four Plex.
Yes, a four Plex.
What about your four Plex?
I'm locked, I can't, am I able to, like, cash out refinance my home for the next property yeah of course you can yeah i mean uh what's i mean rates are a little high right now when you said you bought it four years ago i bought it uh two years ago july 23 okay well how much money did you put down on it i put around uh almost almost 40k you put 40k down yeah what was the purchase price 202 what was the purchase price 202
yeah So did you buy it at your 40k?
Are you talking about you put 40k as in like 20% down or is that your total closing cost?
No, it was for me and my father.
We split.
it okay all right how did you buy this did you buy as an investor did you live in it as an investor okay so you put 20 down yes okay and you put 20 down and you're saying you put 10 down and your dad put 10 down yes okay so Who owns the house?
You or him or both of y'all own it together?
Yeah, it's a co-board.
Okay, so you co-board.
All right, so your father's entitled to have.
Okay, so what you want to do now is you bought it four years ago.
You bought it for 202.
What's it worth now?
Yeah, it's around almost 275.
What was the interest rate you purchased it at?
It was 5.9%.
Okay.
What percentage rate?
You bought it, what, 5.9%?
Yeah, 5.9%.
What interest rate is now like 7, 8?
Yeah, down to a floating.
I mean, you could do a refi, bro, but the interest rate is going to be higher.
So, and you're going to be able to borrow about 70% of the equity in there.
So, how much left do you have?
So you have how much equity in there?
Let's say it's 275.
You knocked out 40K, 160.
I mean, you'll have about 70% of the equity that you can tap into um it's up to you bro if if you want to do that but remember that once you pull that money out you got to do something with it yeah no that's why i'm gonna like you know uh get another property after i'm gonna get another time you you can definitely do that okay but I think uh I think a home liquidity line of credit might be better for you okay the helock uh yeah it's gonna be harder to get one yeah
no the interest rate's too high oh the helock is too high with interest rates yeah did you talk to somebody already No, no.
That was before.
It's a third party.
It's a third party bank.
But for sure, next year I'll get my own bank.
Okay.
Well, I mean, like I said, if you've already talked to people and the HELOC is just out of the question when it comes to the cost value, then do the cash out refi, bro.
Just remember that with the cash out refi, you got to deploy that money immediately to, you know, because once the clock starts right there, you pull it out.
Okay.
So have a deal in place or something in place so that you can put that money.
All right, that's Chris.
Thank you.
All right, bro.
Later.
Okay, bye.
Yo, what's up?
I was reading the fucking Rumble chat.
Yeah, Rumble chat.
It was saying some funny shit, man.
Yeah, they always say.
Chris wants to start outdoors.
Yeah, yeah.
All right.
So guys, we're going to get off here.
We'll be back in about 20 minutes.
Literally, you're going to just like get right back into it.