Fresh & Fit - America’s #1 Wealth Killer Is Keeping You Poor And No One Told You!

All Episodes

Previous Next

Sept. 8, 2025 - Fresh & Fit

01:50:20

America’s #1 Wealth Killer Is Keeping You Poor And No One Told You!

Large

Audio Only |

Scroll

Time	Text
	And we're a lot.
	What's up, guys?
	Welcome to the Freshman Podcast, man.
	It's money Monday is gonna be a call and show.
	We're gonna talk about one of the worst wealth killers in America.
	Let's get into it.
	Car payments.
	Let's go.
	We're leading out to the other side.
	Pushes in the...
	All right, we're back.
	And we are back.
	What's up guys?
	Welcome to the Fresh State Podcast regular edition.
	It's Money Monday, guys.
	As you guys know, the way that we're gonna be doing things is we're gonna be going live on uh, you know, YouTube, Fresh and Fit for Money Mondays, and then also I think on Fridays, if I'm not like doing a debate or something like that, we're gonna also open it up uh for calling show where the first half of the show is gonna be financial.
	So the Fresh and Fit channel, guys, basically on YouTube for now for the time being for the next couple months, is gonna basically effectively become a f financial channel, help you guys get your money up.
	Um me and Fresh are spitball on a bunch of ideas.
	We can put more content on here for you guys financially financially based, whether it's uh getting your credit score up, helping you guys save money, budgeting, investing in real estate.
	I still owe you guys an episode on commercial real estate.
	Um right now, as we speak, me and Roger are kind of finalizing all my stuff.
	He's doing my bookkeeping and stuff.
	So I want to make sure I have everything right, and then I'm gonna bring Roger in and we're gonna do a full episode on um you know, my current portfolio, what's going on with that.
	Uh we're sitting at about 20 to 22, 23 properties right now at the moment.
	Sure.
	It's like almost 60 tenants.
	Um and I have a whole system that we're using where um you know I have an app that I use to keep track of all the tenants and everything and you know, I want to make sure that when we do it for for you guys, it's gonna be super robust, super throw.
	Bring Roger in here, probably do a call and answer questions for you guys.
	So be patient.
	I promise you guys are gonna get it very soon.
	Um we're just making sure that we have all the bookkeeping handle on our end so that we can really come at you guys uh with all the information.
	So this channel, um, at least from the YouTube perspective, is gonna be way more financially based for the next few months.
	You know, if we can't go and do the after hours and everything else like that later on, uh maybe we will, but uh for now, you know, to get our thing back up, uh we're gonna keep it financial.
	And then obviously everything is gonna be on rumble and on kick the home base.
	Nothing changes, you guys better get the after hours there.
	But for now, we're gonna do after hours and rumble.
	Everything you guys want, unlimited a rumble, no bars held, everything you want to say we can say there because it's free speech and rumble's the best platform.
	So there you go.
	Yeah, so yeah, rum uh rumble and kick is gonna have all the you know Wednesday shows, special guests that are controversial, whatever, but on here we're gonna be doing the financial stuff and um you know, and like I said, we're gonna try to bump it up for you guys, give you one short or one clip a day.
	Um, and then one to two streams a week on here.
	And uh yeah, man.
	We'll we're gonna help you guys with you know, not being um not being brokeies, you know.
	Obviously, we've been I've been doing a bunch of stuff with buying houses.
	Uh I just haven't been as open about it.
	Uh because well, for one, I got banned off Instagram.
	That was another pain in the ass, too.
	So I couldn't like Aren't you back now?
	I am now, but like for a while I didn't post.
	True.
	Because like we're a banned for a year, and I used to post a lot of my real estate stuff on Instagram.
	Yeah.
	So I'm gonna get back to doing that.
	Um the Instagram's been uh going at a pretty good rate.
	Uh, you know, I did a collab with uh with Hayden from Woman Propaganda that that's been pretty helpful.
	He's gonna be here in September.
	So that's gonna be good.
	Oh damn.
	Uh we'll also have Nick as well here in a couple of weeks.
	So uh it's gonna be it's it's it's up, guys.
	It's up.
	It's we're gonna be cooking, man.
	Um nothing changes, just know that our more controversial stuff's gonna have to be on rumble and kick.
	Also, Wednesday we have uh Jeff Anxia Brother Podcast coming for outdoors and day show for day.
	Oh, yes, yes, yes.
	Jeff.
	Yeah, yeah, yeah.
	The new Kevin Samuels on the blog.
	Yeah, yeah, that kind of as they say.
	Yep, yeah.
	Um, but yeah, man, today's topic is close to home because uh as you guys know, I'm an avid car um fanatic.
	I love exotic cars to be exact.
	But at the same time, being in the car industry, being the car business myself, going through it as well with other friends.
	I've seen trends where if you're not careful, if you're not actually gonna be doing this the right way, it can mess up your financial future for the for the most part.
	And that means that even if you like buy cars a certain way uh right now, you might be doing it wrong.
	So we spoke about this behind the scenes, but for example, Myron's standpoint is he's in e-cars because once again he's homeworking for the most part, and his Honda was memorable, right?
	Yeah, me on the other hand, I just love a lot of cars.
	I was always wanting to have a Lambo, a Ferrari, all that stuff.
	I did it, it was cool, but for the marketing.
	However, here's the issue, right?
	Most Americans now are paying high price for cars.
	Actually, they did a study, and the lowest price new car is 40k.
	That's insane, by the way.
	So that means literally speaking, by you guys buying a car, 40k is the minimum for a new car.
	And we also take it on the show, never buy a new car.
	It's just an L all around, unless you're like an av avid like car collector, you get from the actual dealership allocation.
	But if you're not that person, forget about it.
	So again, there's a study that's been going around where people are suffering.
	They want to know, okay, how to get out of my car, I'm getting repo'd.
	It's it's at an all-time high.
	And most Americans are, okay, cool.
	I have a rent payment, I have a car payment, it's normal.
	But what's happening is the actual economy itself is shrinking.
	Uh inflation's going up, uh, wages are staying the same, and people are getting fired.
	So they want to find ways to minimize their expenses.
	And the number one thing you can do, what most people do as well, is get rid of their car.
	That's the biggest thing you can do right now.
	However, if you have negative equity in your car, it's gonna be hard to get out of it.
	So here's where like the silver lining is.
	Most people, especially here in America, want a nice car.
	I do too.
	Who doesn't?
	However, why do you want the car?
	What's it gonna do for you, and what's the exit?
	So, real quick, we got a video to play here as well, but we'll do my tweet first, right?
	So I made a post recently saying, Okay, America's actual stats are here about the car car payments.
	Uh let's open it.
	If you don't mind a little bit bigger, yeah.
	Can't see real quick.
	Your mouth is that uh Bill's mouth mouse just died, guys.
	Sorry.
	His mouse died?
	His mouse just shut.
	So yeah.
	All right, America's biggest wealth killer is buying cars in the finance system.
	The average car payment is 525 for used cars and 734 for new cars.
	Don't forget to add in interest.
	You're more than likely spend double the price of the car.
	Comment below your car payment amount.
	So this had a lot of engagement uh for the finance space as well.
	But the average car payment is 525 for a used car.
	New car is 734.
	That's a lot of money.
	When you add up everything for the year, let's just do the map here real quick, right?
	Let's say you bought a new car today.
	At seven what?
	34 by 12.
	That's almost 10k.
	And that's it, doesn't include insurance, repairs, or any miscellaneous things happen in your car.
	So that's 10k basically, guys, for a new car plus your car, your actual um other expenses.
	Now, mind you, uh I've seen it where kids well, 12 years ago, right?
	I was wanting a BNW.
	Funny, I know, right?
	And I would see kids that are like 19, 20, appearance also being done being like, okay, how do you acquire this car?
	Because this was his parents, how's he getting this brand new BNW?
	But what's happening is they work their job or clever the parents and they're barely affording the car because they're using all the money towards car payment.
	And technically speaking, you're supposed to have 10% of your money into a car max.
	More than that, you're crazy.
	But they're spending when you say 10%, I mean as in like 10% of your savings.
	Of your income.
	Over income.
	So 10% should go towards your car payment.
	Monthly.
	Monthly.
	So if you make 10,000 a month, you shouldn't be making you shouldn't be spending more than a thousand dollars.
	Exactly.
	Wow.
	But they were spending 50 or more percent of their income, of course, on cars.
	Because they live at home.
	Yep.
	That's a luxury they have.
	So you see in these cars, fellas, you don't know how they're doing it.
	And for the most part, people are just winging it.
	Or just live with their parents.
	So they can afford these cars because they live at home.
	Now, but for most Americans, though, um what's coming next is gonna be catastrophic.
	And I say that because markets are up and down.
	Uh crypto might go on as well.
	But the main thing is that your actual budget and your income itself is stationary.
	So you have to be smart with it and move accordingly.
	So the number thing you could do, guys, is get rid of your car ASAP because that might be your biggest uh deterrent to wealth at this point.
	What's it say you?
	Um, I mean, I told you guys a couple of things, man, that you should stay away from.
	I think fine dining, luxury cars, um, just luxury items in general are are all a scam.
	Designer clothing, all that stuff is basically.
	I wouldn't purpose today, by the way.
	What is a purpose today?
	Okay.
	It's all a Mary's shirt.
	Okay.
	Yeah.
	So, like, guys, fine dining, fat uh, you know, designer clothing, uh, nice cars, it's all a scam, bro.
	Honestly, um, it's you know, it's a purport of certain type of status or whatever, and I get a lot of you guys, oh, what a good girls, blah blah.
	But then you're gonna end up making yourself broke in the long run, right?
	And kill your wealth, you know, four girls.
	And honestly, I think going to the gym, getting in good shape, you know, wear some like cheap clothes, you're gonna look good in it because you know it fits you well.
	And you'll probably go further with that than you know, spending a whole bunch of money on designer and nice cars and everything.
	And the other thing too that I think that people need to understand is that um I think like Mercedes C classes, Audi A4s, you know, um, you know, BMW 3 series, like these cars are like the what I call like the beginners of like they're entry-level luxury cars.
	Yeah, right.
	But the problem is that they're designed specifically for people that aren't rich yet but want to give that look rich vibe.
	And I think it's worse.
	Let's say you make 150,000 per year.
	I've said this a few times on my thing, but I'll say here too.
	Like making 150,000 per year, right, is actually worse than making 50,000 dollars per year.
	Now, explain what I mean by this.
	What's up happening when you make 150,000 is you have enough money to get entry-level luxury goods, right?
	And maybe go on a vacation here or there, you start to finally get a taste of like the better life.
	Yeah, a lot of people don't have the discipline though to make that kind of money and not fully uh engulf themselves in this luxury life, right?
	At least when you're making 50k per year, you know you're a brokeie a lot of the times and you can't do certain shit.
	You know that you can't go on multiple vacations, you know that you'll go buy a Rolex, you know you can't be buying bottles in a club like that.
	You're you have to be far you're you're more far more aware of your financial limitations, which I think is good for most people because most people have a spending problem, right?
	Yeah, as well as earning problem.
	But when you add the two together, it's even worse.
	So when you're making 50k per year, your limitation, your financial limitations keep you from doing them things.
	But when you make 150k per year, 200k per year, this is a dangerous territory because you actually can't afford some of this stuff, right?
	What ends up happening is you buy this nicer stuff, you get a bigger bill, now you're on these subscriptions, you know, paying this monthly fee because you want to, you know, be able to do certain things.
	Um, and then you put yourself in perpetual debt, right?
	You can get yourself an entry-level Rolex.
	You can go ahead and get yourself a C a C class Mercedes, right?
	Even an E if you want to really stretch it out.
	And most people tend to go towards the red line of where they stand financially, and that could create a lot of problems for you as well.
	So for all the guys out here that are like low six-figure earners or you know, two, three hundred, four hundred thousand, um, you can still put yourself in a really bad financial predicament.
	They said something like 56% of people that make six figures a year, 100,000 more, still are pay living paycheck to paycheck.
	And if you're still living paycheck to paycheck while making that kind of money, um, a lot of the times that means that you are buying unnecessary things most of the time.
	You're not really, you know, you're living in an expensive area, you're maybe spending too much money on going out, you're spending too much money on food, you're spending too much money on certain luxuries that you might not necessarily need.
	Yeah.
	Um, you should be able to live on 100k, no problem.
	So you described the middle class.
	Assuming you're not balling out or trying to totality.
	That's the middle class right now.
	Yeah, that's it's almost like gone because they're priced out.
	At this point, you said it.
	The luxury items that they bought, houses that they bought were next level, but lifestyle, obviously, inflation is a real thing.
	And that's there's a reason why they have certain tiers, guys.
	There's a reason why there's a three series BMW versus the seven series, right?
	There's a reason why there's a C class Mercedes versus the S. Like they're trying to hit as many people as they can.
	And a lot of the times what ends up happening is when people buy that C class, like that's them maxed out on the amount of money that they get that they can that they qualify for to get that loan, right?
	For that car.
	So they do this on purpose to bring in as many people as possible to make these car payments because they make the money off the payments, you know, not necessarily off of I mean they make money if you buy cash as well, but they would prefer for you to finance for obvious reasons.
	So to your point, this is the actual wealth killer here.
	So most car dealerships don't sell cars.
	You know what they sell?
	Um, yeah.
	Yeah, yeah.
	Finance fellas.
	So that means you're not really buying a car, you're buying the actual agreement for leasing or financing from the dealership.
	Normally it's owner financing, sorry, uh in-house financing for them, so they get the best terms for themselves, not for you.
	But that means basically, guys, let's say you go to a dealership, right?
	You want to pay cash for a car.
	They'd be like, uh, we don't really want cash because they know if they sell you cash, they don't make money off the uh finance.
	However, they got a report.
	They're gonna say we can give you a better better deal if you just finance, you know, we'll lower the the multiple payment, we'll lower this and that, lower the price of the car, just get into a finance deal.
	And that's what they have it's funny.
	Cause like I didn't know this going to the game how American system works for cars, but that's why they make most of their money.
	So the average American is like, oh, I can get a lower car payment, I'll go do it.
	But smart people understand it's exit that matters.
	So my manager Pedro McDemie talks about this all the time.
	When you look at a car contract or car deal deal yourself, look at the exit.
	How do I get out of this car in two to three years if I get bored of the car, right?
	And what happens is people buy the car and they get bored of it and say, Oh shit, I need a new car.
	What do they do?
	Go to dealership again, probably saying one or a higher one, trading that car for the new car, but then add on what?
	Negative equity to that car.
	So mind you, they have their old car, not paid off in full yet.
	They have negative equity in this car, they want a new one.
	Let's say they want that they got a BNW three series, they want seven series.
	They'll go about the BNW, trading this uh three series for seven series, and they add on a negative equity into this car.
	So now you have multiple issues because you're paying interest on this high-ass loan and they have equity uh uh equity as well, which means you're gonna have multiple points of contention because let's say you gotta save money for your assets.
	How do you do this?
	Because you're paying interest and a high car payment for a car that's uh burdened with high um equity.
	So this is where I say all the time, guys, you gotta look at these deals as for example, what they are, not for the car because we're all emotional when we go buy cars.
	Oh, I want this car, it's my dream car, bro.
	I'll pay anything for it.
	I was there, I did it too, but looking back on it, you gotta move smarter.
	So the end all bill, guys, is that when you go to buy a car, especially nowadays.
	Um, well, first of all, you shouldn't buy the cars now anyway.
	You should wait until after this shit happens with the rates with the feds.
	But if you're gonna buy a car, look at a contract.
	If I pay this car off, how much interest I'm gonna pay for this entire term.
	And funny enough, if you look at the actual uh terms of this disagreement you pay most of the time, you're paying double for the car when it's all said and done.
	So it's a bad bet because most people should pay their cars off in cash, but most people can't because obviously it's a lot of money.
	So what happens is let's say the car, let's say there's two cars, right?
	One car is for I don't know, 5k, right?
	But you only have like let's say 3k, but the other car for 10k, that's nicer, right?
	Lower mileage, newer car.
	You're like, all right, cool.
	The 10k seems better.
	And they say, you know what, just put that 3K down, get the 10k car, and drive off.
	You're good.
	But they don't they don't tell you that like the car for 5k that you would have got, you only owe 2K on it, a little bit of interest, you'd be done within that year or so, and you're good to go.
	But 10k, if you lose your job, you know, if your parents, if you get sick, if you end up not working as much as possible, you might lose your car and get repo, right?
	And they don't care because they're gonna take it back, sell to somebody else.
	So this whole thing is made towards uh finance more than the car itself, which is why to me, you're not really buying a car, you're buying actual rental or a lease, if that makes sense, because the car isn't yours.
	If you don't make make all the payments, they just take it back to sell to somebody else.
	So for Americans, uh, even for myself as well, I just think that like right now, there's not a lot of education on cars itself, and most people get into these things because they don't know better.
	Um, I didn't know better.
	Now I know way better than I did before.
	I'm making excellent deals now, and my friends are as well.
	So I just felt the burden of sharing this with you guys because to me, if I can say one person making this bad mistake with their finances and ruined their actual wealth, then uh, you know, we did our job here.
	Uh, but my is a good example because Myron just focuses on our real estate, working, and you still have your old Honda, right?
	Yeah, I still have it.
	Uh I never drive it, but um, you know, uh I have it if I need it.
	I I look, man, I I think um, you know, I get it.
	Some people want a nice car, they want to be taken seriously, they want to be able to say, look, I'm of a certain status, right?
	Um, but I I think, especially if you like live in a major city area and you don't need a car, you don't need it, you know, then obviously, you know, stay away from it.
	But if you're obviously if you're driving a lot, right, and you need a car because you drive all the time and you don't want to put wear and tear, or you got an old non-reliable car, that's fine.
	But I would always say, like, I think the best thing to do is just buy like a cheap Ronda or some type of Japanese car, four cylinder, um, that's good on gas, and uh buy it cash, own it, right?
	And um don't have to worry about a car payment because car payments are a pain, man.
	So let me tell you a story that happened to me actually uh a couple months ago, right?
	Remember, I used to wear those big ass monkey chains, and uh, you know, the big watch, and I was like, I was not I'm that nigga, right?
	No, I was not.
	Actually, what I was was a dummy.
	Uh so you know, I met some billionaires that we both know, and they don't show their wealth like that.
	They pretty much just have a paid off house, payoff cars, and they just put money towards the businesses.
	They don't spend money, you know, stupidly, they don't show it because quite frankly, people don't need to know your your business.
	But you know, obviously social media world, marketing, I did some stuff.
	But they spoke to me.
	Listen, bro, we love you, bro, but you gotta work on some shit, bro.
	Because this is this some dumb shit.
	And um I listened.
	You know, I sold a lot of stuff, got rid of all that blah blah blah.
	And what happened was I was I was happier having less.
	Way happier because again, what makes you happy?
	Not what you have, it's who you are.
	So, all in all, if billionaires can do this successfully, okay, you guys watching as well, because you don't need all this shit, man.
	You really don't.
	And you're a good example of that because you don't have much either.
	So it's good.
	Yeah, I mean, I think uh being a minimalist is like really one of the best things you could do because when you own a lot of things, what ends up happening is you start getting like stressed out.
	You all you you know, you start to be like, oh, I got this car, why can't I get this one?
	Oh, I want to be a collector now, oh, I want to do this.
	So um, you know, attaching yourself to materialistic things is the problem is that you're never gonna be satisfied.
	You're gonna want to buy a new thing, you're gonna want to get whatever, right?
	Um, you know, like myself, I give you guys an example.
	So, like I bought an AP and I bought two Rolexes, right?
	And I was like, oh, you know, I want to get this next Rolex, but then I had to stop myself.
	I was like, wait, whoa, wait, wait, wait, wait.
	What the fuck?
	Why the fuck do I need this?
	Yeah, right.
	I wanted to go get the Arab dial um, you know, um I wanted to get an Arab dial pres uh a Rolex uh presidential, the blue face one, right?
	Um which is worth like a hundred something thousand.
	I was like, holy shit.
	But you know, I didn't get it, and and I'm glad that I didn't because I cut it uh, you know, I used that money instead to invest in real estate.
	But I have to stop my stupidity for a second to say, well, well, you know, hold the gun now.
	I still have the Rolexes that I bought, right?
	And thankfully all of them appreciated.
	Um because I bought like very plain gins.
	I got uh uh a Pepsi Rolex and I have um you know the Coral Red Oyster Perpetual, and then I have um the AP blackface.
	But you know, I bought watches, even though it's like some nigga shit, I bought watches that I knew would hold value, right?
	APs and certain pieces of Rolex right now.
	And they're up, right?
	So I'm up on all of them.
	But uh yes, that that is the presidential, yeah.
	The presidential day day is the uh uh yeah, that's what I was gonna get.
	Yep, that's precisely that is precisely that's just clean.
	That was the Arab dial one.
	That's what I was gonna get.
	Damn.
	Um that's clean, bro.
	Yeah, it's very nice.
	Um but um, but you know, you look, I had to you know, I had to say uh stop being a fucking idiot, right?
	I said to stop and I was like, no, no thing.
	You know, I just didn't do it.
	Um and I took that money and I saved it anyway, and I think I ended up buying like uh property instead.
	Nice.
	But um, but yeah, dude, like uh the problem with material things is like you always want to get more and more and more, and it creates issues.
	So, you know, you get one nice watch and like I want to get this one, I want to collect, blah, blah, blah.
	And then it's like, does it really benefit you?
	Very rarely does buying these luxury items actually make you money back, right?
	Uh you have to be very good At what you do, you have to buy certain pieces.
	Um, and then the other thing too is like let's say you get robbed, right?
	You make yourself a target for no reason.
	Remember, we were in, I'll never forget every time we went to London, we could have worn a Rolexes, bro.
	I remember I was there with Justin Waller and Fresh and shit like that, and we everywhere we went, Sterling was there with us.
	None of us wore Rolexes in London because there's like a whole uh Rolex crew that robs people.
	So, you know, do you really want to make yourself a target, right?
	For everything.
	So look, I think I have a one nice watch, maybe um, that you know is gonna appreciate a very good plane Jane that you know is gonna hold value, maybe a submariner or something like that, basic is fine uh for special events.
	But in general, man, like luxury items are a scam, dude.
	They're they really are a scam.
	And fine dining too is another scam.
	Komodo and Nobu and all these other fancy places once a year, whatever for a birthday.
	But dude, realistically speaking, is the food really that great?
	No, it's not.
	Well, hold on, hold on.
	Let me let me uh we're just nope.
	They're really not, bro.
	Nope.
	The food is amazing, but it's bad for you.
	This is what I'll say, though.
	Uh for every no, you know, a birthday, a celebration, you know, client.
	You could you could go Komodo sometimes, you know what I'm saying?
	Nah, man, it's shit trash.
	But no, you're you're right.
	Find nighting is a scam.
	And we know who owns it too, which makes it even worse.
	I could find better.
	But uh just to add to your point real quick.
	Grumman's a Zionist.
	He is what?
	Every single time, bro.
	It's a comedy skip.
	Hey man, uh, we're comedians.
	Yeah, so so back to cars.
	So yeah, um, the point is though, is that like people that are actually up there in the wealth class, they move differently.
	And the more watching, the more I see them how they move and like, oh, okay.
	Now I see why you do what you do because now I'm here, it's kind of like I see why you do what you do.
	Uh, but for people watching this this show, right?
	Look at it this way.
	Cars can destroy your wealth, 100%.
	And you buy the wrong car, you're cooked.
	Actually, there's a video, Bills.
	You could bring up real quick to kind of illustrate this in more detail.
	But this video is from this uh Humphrey.
	Sorry, Humphrey.
	Shout out to him.
	Here we go.
	I think you said it right the first time.
	Yeah, Humphrey.
	This is the biggest wealth killer that nobody talks about, and no, it's not your daily coffee.
	It's actually the car payment and spending money on cars.
	More than ever, record shares of Americans are paying over a thousand dollars or more on monthly car payments.
	And I think a lot of this is driven by status and everyone wants to appear that they're successful, and cars represent that.
	When it comes to the true cost of owning a car, even on a 2023 Honda Civic, the true cost to own over five years is 42,000 or over $8,000 a year.
	When you're young, try to keep your car payments less than 10 to 15% of your gross monthly paycheck.
	Let me know what your car payment is in the comments.
	This is the biggest wealth killer that nobody talks about.
	The average car payment.
	You said it's what five something in America.
	Well, this is actually lowered.
	His might be more accurate than mine.
	Um keep in mind, they don't count for actually all luxury cars, just cars in general.
	Yeah, yeah, yeah.
	I'm going, yeah.
	But the car market, people buy luxury because they want to look good.
	So this actually might be the actual price of a thousand dollars.
	But I'm saying for the average car payment just for anybody is $525.
	Yeah, $533.
	That's still ridiculously high.
	And the average American doesn't even have $500.
	It's uh doesn't have uh doesn't have the ability to cover $500 expense the average American.
	A thousand dollars in savings.
	Yeah, so imagine just trying to get ahead now in your life.
	Yeah, you put it towards the car, it's a good kill all your wealth.
	You're making every single payment like by the skin of your teeth, man.
	I remember we were in was it Romania?
	I remember I was, yeah, we were in Romania.
	We just got paid.
	I was like, yeah, this is great, bro.
	Right?
	And then I saw a withdrawal.
	I was like, nigga, what?
	Really, nigga.
	This is payday.
	What the fuck?
	It was my car payment.
	Uh nigga.
	Bro, when I got that payment, bro, taking out, I was like, my heart.
	Yo, I was like, dog, this is expensive.
	I'm not driving the car right now.
	We're in Romania doing this shit for Andrew.
	Yeah, yeah, right.
	And I can't even like enjoy the car.
	Yeah.
	So, guys, mental clarity as well as freedom is the best ever.
	Because again, you can focus on putting your energy towards it towards work.
	You really want to know?
	I mean, I think they might be able to learn.
	Really nigga.
	You could tell them.
	All right, bro.
	It is it's pretty sweet, though.
	We gave this because this is the big boy Lambo.
	We should have never.
	What kind of limbo?
	Was it the SVJ one?
	This was.
	Did you have that back then?
	Yeah.
	I gotta know how.
	I do.
	But this one was yo, you really want to know the payment, bro?
	Yes.
	Yo, chat.
	I think they can learn.
	If we if if we get if we get how much likes on the video.
	This is this is this is tough.
	You got about 3,000 of these guys in here watching between the different platforms.
	On YouTube, unacceptable.
	Nah, nah.
	We need at least.
	Oh, yeah, guys, we're also gonna open up the phone lines.
	Uh, we're keeping the the part where we talk to you, the monologue part of our thing low, and then uh we're gonna open it up for QA for you guys as well.
	Yeah, but we need at least 500 likes, man.
	let's get 1,000, bro.
	1,000 likes, bro.
	Don't say it, and I'll tell you guys what happened with that Lambo actually.
	But yeah, man.
	Um so all in all, fellas, just from my experience and from what I've seen in the marketplace, working with dealerships around uh South Florida around the world.
	Yeah, cars are a bad bit because it's it's finance, fellas.
	You just you just finance the interest and the car, but let's be honest here.
	Who pays off their car in full?
	Who does that?
	Nobody.
	You either lose your job, get repo', or you change cars and you level up to a different car.
	But again, interest look, you know what?
	I'll give you a good example.
	One car, right?
	Is worth we should open up the phone lines, right?
	We should, yeah.
	Yeah, open up the phone lines.
	So one car is worth three problems, right?
	So think of this of it this way.
	If I have three cars, I have how many problems?
	Three, no, nine.
	Cause three, no, sorry, because remember, it's three cars.
	Yeah.
	So it'd be nine problems.
	Each car has three problems in itself.
	Electrical, engine, and miscellaneous, right?
	So your car also is gonna have issues.
	Which means over time, those issues are gonna cost money, plus insurance, plus car payment.
	You're paying way more than a car costs.
	So let's say car cost you 30k, 40k?
	No, no, it doesn't cost you at least in that year, 10 to 15k minimum.
	So that's that's just like people don't see it because they don't understand how it works, but like cars, fellas, it's a fucking hole.
	I've been there.
	So not free, but I've been there.
	Uh do we get the 1000 likes?
	You want so you can tell them what you paid uh uh let's see.
	Bro, that's crazy, man.
	Yeah, but the more you know the better, man.
	And the more knowledge you guys are.
	Bro, if I was sp I'd be pissed off if I was paying a thousand dollars a month.
	Yeah, for a car.
	Even me at this point.
	I'd I'd be paying like I'm gonna look at it like it's a robbery.
	Like, what the hell?
	I'm getting there.
	Especially since I don't drive.
	So it's like we're at 500 likes.
	So almost there, but 1,000, didn't you just not quite?
	1,000.
	You guys see uh how much fresh was paid monthly for his uh cars, because I don't even know, honestly.
	But guys, uh phone lines are open, right?
	Bills?
	Yes, yes, they are.
	Cool.
	All right, phone lines are open.
	646, guys, 490394.
	Again, uh to call into the show, 646490394.
	Call in with any questions you guys got on, you know, real estate, um, cars, financing, credit, any of that stuff, uh index funds, cryptocurrency, whatever you guys are.
	Actually, matter of fact, we got Charlie Miguel coming in about a week and a half for crypto.
	So also, what's your car payment, fellas?
	What do you pay in a month for your car?
	Zero, 200, 1,000.
	What's got your car payment?
	Yep.
	So um yeah, guys, smash the like button so we can uh go ahead and get uh fresh's um so you guys could find out what his um uh car payment was back then.
	You had two Lambos at that time.
	No one.
	One?
	Okay, yeah.
	What did you have?
	Which one?
	Uh SVJ.
	My dream car, so to speak.
	It was cool.
	Isn't that like a million dollar car?
	You said it was cool.
	Yo, that was your dream car.
	You just said it was cool.
	Yeah, but that was height in the market when it was like booming, people were going crazy.
	Yeah.
	You bought it for how much.
	Well, remember, I need to.
	I didn't I didn't pay the full the full car off.
	So I just put money down and I had the car.
	Gotcha.
	Yeah.
	So yeah.
	Damn.
	All right, guys, smash that like button so you guys can go ahead and get uh figure that out.
	But yeah, 646496.
	500 car payment, okay.
	445.
	Damn, bro.
	230.
	I'm telling you, bro, a lot of this is happening under the radar because people aren't aware of what's happening.
	And before you know it, you're losing money.
	Bro, why paying so much in investments and assets, and even it's even into yourself.
	Spending money on thing that you want to spend money on rather than a car, but it's like uh wow.
	It's tough, bro.
	That's wild, man.
	We did a call with Yusuf, a Zoom call with you said for Castle Club.
	Yo, you should have heard the calls in there, bro.
	Like it was like negative equity after negative equity was bad.
	People were like losing their their cars, getting repossessed, houses and shit like that.
	Because money's just draining from people's pockets.
	They don't know why.
	Well, your car payment, bro.
	Your car is absolutely nuts, dude.
	Yeah.
	Wow.
	All right.
	Uh phone lines?
	Yep.
	Yep.
	Cool.
	And as you guys know, if you want to cut the phone lines, just uh, you know, put the last four disappearance super chat in, and we'll get you to the front.
	Let's go ahead and uh get the first person on the line.
	8003, you are up.
	8003, you are up.
	Yo, what's going on, fresh and fit?
	Yo, what's up, bro?
	What's your question?
	So I'm currently in college.
	I'm going for accounting.
	Um I'm in a pretty good financial spot where I'm not paying for my car.
	Uh my college is basically free.
	And I'm just wondering what should I do at twenty years old to increase my income.
	You have a job.
	Uh yes, sir.
	What do you do?
	Uh I have a landscaping business and then I also do Taco Bell on the side with an accounting internship.
	All right.
	How much uh does your landscaping business earn you?
	Right around 300 a week.
	Okay, so you like business.
	You landscape for people or do you do it all yourself, I'm assuming?
	Uh yeah.
	Okay.
	Um so you make 300 a week doing that, and then uh you said you do something with Taco Bell.
	Uh yeah, I just work there part time, maybe like 10 hours, 15 hours a week if I'm not getting clients to do work for, and then my internship is gonna pay me about like four or five hundred a week and then Taco Bell like two hundred.
	Yeah, I mean, uh, it seems like you got uh, you know, diverse uh uh panel right there of jobs that you have.
	I mean, uh realistically speaking, bro, you know, I would say it like is your study is your like coursework very uh difficult or is it is your course load hard or do you have a lot of free time?
	Uh I I would say I have about thirty hours of free time.
	I forgot what show you guys did, but um I calculated how much free time I had in my day.
	I think it was with Brandon Carter.
	Probably a brand new.
	So I'm just sitting there, I'm like, shit, what can I be doing within these 30 hours?
	Yeah, increase my skill set, increase my income.
	Um been looking for mentors as well.
	Yeah, I mean, I would say, bro, um, you know, whichever of the three that you prefer to do, obviously do that the most and see what you can do it, but obviously one of them is contingent upon having clients with like their landscaping stuff.
	I would say maybe if you want, you could drop the Taco Bell and instead of doing the Taco Bell, you do like Uber or Uber Eats or something like that.
	Because the good thing about that is like you could kind of do it on your time.
	So like, you know, you can go ahead and clock in and work with Uber for a couple hours in between classes or whatever, so it'll give you a little bit more uh flexibility to kind of work on your time when you're not working.
	So um that's an option.
	But I mean I would say uh right now, dude, you're just in school, going to class, work as many hours as you can, fill up that calendar, and uh, you know, save that money as much as you can and and and you know, hopefully you graduate with college.
	And you said you don't you're on a scholarship, right?
	You're not like gonna be in debt or anything or yeah, yeah, no debt.
	I'm in SUNY, so it's all paid for by the state.
	Yeah, man.
	So at this point, bro, it's really about you know getting out of school with as much money as you can saved.
	Awesome.
	Thank you.
	And then like a little side question, my bad, bro.
	I know you got other cars on the line.
	So real estate is also something I'm looking into.
	Uh getting into my first property.
	How would you say I should do that?
	Should I create like a savings goal?
	Do I FHA loan?
	Well, that's gonna be that's gonna be very contingent upon where you decide you want to live.
	I mean, if you're at SUNY, I'm assuming you're in you know, somewhere in the state of New York.
	Um, you gotta ask yourself, do you want to, you know, be tied to New York, you know, uh with a real estate property, at least for one year, if you especially if you do FHA.
	I know the taxes here are pretty high compared to uh other places.
	Very high.
	But I'm I'm currently in Rochester, New York.
	And uh it's growing as a market for real estate right now.
	Everything's heating up, but I just I was also looking at uh Maryland as well.
	What's the average home in Rochester go for?
	There ain't nothing up there, so it might be cheap.
	What what's the average home in Rochester right now?
	Um I believe around three hundred thousand, it's really not that bad.
	Yeah, I mean, you know, if you want to if you're cool with living in it for a year, right, and and getting your um and then renting it out, you know, you can get either a duplex or get yourself a um a single family home, three bedroom, uh, you know, two bath is the standard.
	Um obviously at a single family home is gonna be cheaper than getting a duplex or a triplex.
	But you know, I always tell people to go for the duplex to the triplex so that you can at least make some money that first year that you're in there or Live for free.
	Um, because if you do the FHA loan, it's gonna cost more.
	But uh well, it's if you do the FHA loan with a duplex or triplex, yes, it's gonna cost more.
	But hopefully, you having c uh tenants in there is going to offset that where you're either A uh breaking even or B making a profit or C um losing just a little bit of money.
	So you'll live damn near for free.
	So it's worth it.
	And then for that year that you're in there, uh, where you're living at a reduced or if uh free price or even cash flowing, um, you're able to save up your money and pick up your next house.
	So um if you can, save up as much as you can to try to get yourself a duplex or a triplex.
	If not, then get yourself a single family home and you could use the FHA loan to do that.
	So yeah, just save that money, bro.
	So that when you graduate from school, you can pick up a house.
	Thank you, bro.
	Shout out Fresh and Fit, man.
	No problem, man.
	Take it easy.
	All right.
	Normally I'd be against investing in New York, but Rochester, man, it's I've been up there once.
	It's nothing up there, dude.
	It's way up north.
	So by the way, Ross donated 50 subs to the show.
	Oh, appreciate you, my friend.
	Dom Demon goes.
	Also, investor as well in real estate.
	So I'll shout to him.
	Uh smart guy.
	Yeah, yeah.
	I bought a bunch of houses off the advice we gave.
	Um, all right.
	Uh again, guys, 646-490-0394 is the number to call into the show.
	Um, if you want to skip the phone lines, go ahead and put the last four digits of your number when you super chat in, and we'll get you in.
	But uh, who's up next?
	5156, you are up 5156.
	You are up.
	Hello, you guys hear me?
	Yeah, we got you, man.
	Hit us with your question.
	Yeah, just a quick question.
	Uh uh, the Zoom call uh from yesterday.
	Uh it's not on Castle Club, so we're gonna watch your replay.
	Oh, uh Noble needs to post it uh told him today this morning.
	So he didn't.
	Thank you for letting us know.
	Let Noble know as soon as uh he comes.
	Is Noble here?
	All right, we'll take care of you and put that in there, bro.
	Yo for letting us know.
	Fire call though, bro.
	We got you.
	All right, thank you.
	Thank you.
	All right.
	Take it easy.
	Yeah, guys, Zoom calls have a lot of sauce, man.
	You get personal help as well as information that's not good for you too because certain shit I can't say because it's confidential, but uh, you know, by the scenes, we could kind of give you some hits more hints there.
	Um things actually.
	No.
	Uh let's see.
	Guys, smash that like button if you guys want to know what first is paying for his Lambos.
	I think my own.
	I think I have an idea, honestly.
	But it's more we need to get our engagement up.
	Give me a give me a ballpark.
	It's probably like 20, 30,000 a month, easily.
	Nigga, what?
	Yeah, bro.
	Easily.
	I don't think.
	Oh shit.
	Oh shit.
	You spend a lot.
	I say 4K.
	Nigga!
	4K 5K.
	I'll be bro.
	I'll say 4K 5K.
	Yo, my take fresh for a little?
	Little.
	You know who I am, nigga?
	Oh, my bad, my bad.
	My bad, big dog.
	My bad, yeah.
	My bad, big dog.
	I'm counting all the cars you had at the time.
	There was a time when this dude had like five cars, bro, at one time.
	Okay, isn't uploaded the Zoom call now, Noble.
	Yeah, 2020 and 30k, man.
	Is it like easily?
	Because I remember when Fresh had like five, six cars, bro.
	At one time, like uh I remember Lambo, two Lambo, Tonkabo.
	Mercedes, nigga shit, bro.
	I did the most nigga shit possible.
	Rolls Royce.
	But I learned a lot too, you know.
	Was it are you talking all cars or just one car?
	One Lambo.
	I'm talking about one car.
	What the fuck, Fresh?
	God damn.
	That's still the same number of a guest?
	That's just still like the same ballpark you have with one car.
	Uh I think the SVJ is probably like, yeah, somewhere between 10 and 30,000 a month, probably.
	Yeah.
	Easily.
	Shit.
	God damn.
	That's what I'm estimating.
	Bombard's call.
	I don't know.
	Cheese on the city.
	No way.
	Was it more than that?
	Or is it less?
	I'm going to go ahead and do this.
	10 or 30.
	There's game incoming.
	You guys will know.
	Smash the fuck up.
	I'll let you guys, man.
	Like the video.
	We love you guys, man.
	Who's up next on the list?
	It's coming.
	Like the video.
	Um the 8970, you are up.
	8970, you are up.
	All right.
	8970.
	Papo.
	Demon.
	So I got two questions.
	One for fresh and then uh one for Myron.
	But the one for fresh.
	So, bro, I uh I ended up uh getting a little accident with my uh my baby.
	It was a 2005 Acura RL.
	You um now I'm actually uh looking into getting uh an upgrade.
	I want to I want to upgrade from that, and I see a uh 2006 Mercedes uh CLS 500.
	What are your thoughts on that?
	So question for you, brother.
	Do you have the car paid off?
	The current one?
	Oh, yes, yeah.
	So let me give you more details on that accuracy.
	So it was all paid off.
	Tell me why the person in Navy Federal hit me up with like uh 70 per uh 17% interest rate.
	Man, he got me good.
	But I paid that off.
	My credit went up, thanks to Myron's plans on Money Monday.
	Awesome.
	Pay your credit.
	Uh CLS is not a cheap car, bro.
	How much do you make per year?
	Yeah, yeah.
	So, okay, so this is gonna be uh part uh part two with Myron's question.
	So I called him the other day um about my bartending.
	This is Myron's favorite bartender over here, DC.
	My name is Jervis.
	Ah, okay, yeah, yeah.
	And um you gave me some good advice, Myron, but I kind of wanted a little bit more detail, but my dumb ass didn't know how to uh give you a question because it was my first time calling in.
	But that's part of the second question I wanted to ask.
	Okay.
	So first thing first, bro, um let's keep this very baseline, and we'll do an actual play out of this if you got this car, right?
	So let's say you take this Acura, right?
	And then you go to dealership for the Mercedes, right?
	Do you know your value of your Acura right now?
	Even though it's hit.
	Um the value of the accuracy I pay when I bought it was like 14, 14k.
	Okay, but and uh I put about only and I only put maybe like 15,000 miles.
	So I want to say, and I was a second owner, so I want to say maybe the car, I didn't check it on Kevin.
	No, no, no, no, no, no, no, no.
	It's not maybe or assume is what it is.
	Also, did you mention your car your car was hit before?
	No, it wasn't hit.
	It was uh that the accident that I got into the the guy jumped right uh with his truck and this tow hook.
	It was more damaged than the car could be replaced.
	So I ended up paying the car off with uh the wage gap.
	Oh, so so so hold so hold on.
	So you're telling me that the car was damaged, you fixed it and paid off in full.
	No, no, no, no, no, no.
	So the car was damaged, it was complete total total loss, and um they gave me the money and I pay ended up paying the whole vehicle off, and um now I'm looking for another car.
	It's been three months since I'm gonna go to the house.
	So now you have no since I'm paying like three thousand forty.
	So now you have no car at all.
	You just you just have the money from the car.
	Yeah, yeah, right now I've been walking, walking, walking to work, walking to the bar that's right next to my house.
	Perfect.
	I'm a I'm a professional bartender.
	So here's what I'm gonna say.
	How much money do you have though?
	Yep.
	So I have two thousand.
	I have two thousand, but uh uh that's another thing that I don't know if I want to put in that money or if I want to continue to try to build up my credit.
	Yeah, bro.
	So here's the issue, right?
	Uh how much do you make a month?
	Yes, sir.
	How much do you make a month?
	Um a month.
	I want to say I'm making about 2,800.
	Uh roughly no more than 3,200.
	Bro, you have no business buying a Mercedes, bro.
	You're fucking poor.
	Yes, wrong with you.
	But this, no, no, no.
	You just gotta tell you, listen.
	No, no, no, no.
	Well, why are you even buying a car?
	Wait, wait, huh?
	You make not even three K a month.
	He can get a car.
	Hold on.
	This hear me out.
	Um, okay, so so my Myron, my uh let me let me just say this.
	So, Myron, that's also what I wanted to tell you.
	So, roughly a year I make about 33,000 per year.
	That's not including my tip.
	My tip will roughly I'm a very good skillful bartender, so bro, roughly with tips, I make about it.
	You're you're no, bro.
	No.
	Hold on, hold on.
	Call her, call her.
	Let me just finish real quick, right?
	So you want to buy a Mercedes.
	I'm all for it, bro.
	You should have a Mercedes.
	However, let's do the math here, right?
	So let's see you got this Mercedes.
	Yeah, first bad.
	No, no, no, no, no, no, no, no.
	Hold on.
	I'm about to lay it off for him right now.
	Your insurance is gonna be probably $300 plus.
	I guarantee you for Mercedes, right?
	Right.
	That's one thing.
	Right.
	So you can have a car payment for sure.
	That's gonna average between we said earlier, between 700 to $1,000 plus, right?
	And then you're gonna sucks.
	Bro, interest is gonna be out the wazoo.
	So let's add this all together for monthly monthly payment.
	You're gonna spend on this Mercedes monthly.
	You know how much you're gonna spend, bro?
	At least $1,500.
	Uh you don't make that much money.
	Okay.
	Also, economy's down.
	Things are bad.
	Tips are gonna be no bueno, because at some point, bro, they're gonna say, uh, well, you know, I want to eat, but I don't want to tip because I don't have money in my account.
	So tips are good to uh uh, you know, go for it, but right now, bro, the economy sucks, bro.
	So cut on tips is gonna be an L. So do the math there, bro.
	If you're gonna spend $1,500 a month for a car for what you make, bro, it doesn't add up.
	So you're gonna be car poor, bro.
	So so so in this respect, you c you could buy the car, bro, but like you're gonna be fucked.
	Keep it real.
	Yes, uh, and I agree with you.
	I a hundred percent I agree with you.
	Uh, but I wanted to uh just also bring up the car is worth maybe nine thousand.
	I know that the repairs and everything like that, and I will be driving this car on the weekends because I'm not I'm very humble enough to walk to work, save my money.
	Thank God Myron has that plan and I am debt free.
	Um so that's why the only reason why I was looking at a Mercedes, just because that stupid line, I deserve a car.
	I understand.
	Bro, you're fucking poor because I'm yo.
	Look, I'm gonna be very honest with you, bro.
	You're fucking stupid for even thinking about getting a Mercedes when you make $3,000 a month.
	Are you fucking stupid?
	Are you fucking dumb?
	Like, and I gotta get and I get I gotta give you this this fucking, you know, I gotta give this to you very raw and tough now because you're fucking delusional if you think you're gonna go ahead and get a CLS, which is a very expensive vehicle, by the way, and be able to afford it on making three K a month.
	My friend, you need to focus on making more money, not any fucking cars.
	Also, 9K means also keep in mind that you're in the service industry that's contingent upon the economy being good.
	People go out and drink when they have money, okay?
	Right now is not a time uh for you to be buying liabilities like this when you can seriously be putting yourself in a very bad situation uh financially.
	Because remember, bro, you have a job where the bar can get rid of you anytime.
	People might not necessarily hire you.
	So what are you gonna do?
	I uh I do do uh a little side business uh where I do it.
	And you live in an expensive area.
	The DMV area is not cheap.
	So, dude, you you need to you need to you need to seriously like reconsider what you're doing here, man.
	Like, you gotta ask yourself, do you need this car?
	The answer's probably no CLS get by with the with a cheaper car, man.
	Gotta have issues, bro.
	I would buy my sister.
	It's a German car.
	It's a German car.
	Every time he goes to mechanic, it's gonna be sky high in prices because getting uh Mercedes or BMW service or anything else like that, everything is gonna be triple X. Mercedes maintenance bill for a used Mercedes.
	Let me tell you, brother.
	And you know why?
	Hold on.
	You know, you know why it's so big deranged because let's say it's mechanical.
	One thing.
	Electrical?
	So, bro, this car can cost you way more than 9K if it's actually 9K.
	And if that's if it's if it's 9K, bro, something's wrong with it.
	It has issues, bro.
	It's gonna have issues, bro.
	Those cars will go between 13 to 16k minimum.
	Okay, bro.
	And I do, and I do, and I do have background.
	I was certified I went to the city.
	We don't care, bro.
	Nigga, we don't care.
	You can't afford a car, we don't care.
	Mercedes, 2008.
	Bro, bro, bro, bro, bro, bro.
	Yo, you can't afford the car, bro.
	Don't buy it, bro.
	You don't buy it.
	You can't afford the car, bro.
	Okay.
	No, no, no, and I appreciate I I I appreciate that that that.
	So now my second question for you, Myron, and and maybe first you can help us out.
	Well, what I would say, instead of you focusing on buying a Mercedes, you need to make more money, bro.
	And and um three thousand dollars a month is unacceptable.
	You're basically poor, bro.
	If I'm honest.
	Yes, living in DC making three thousand dollars a month.
	Come on, man.
	How many hours a week are you working?
	And then I'm uh I'm working at roughly, I'm trying to get more than 40.
	Uh there's no like I I don't work nothing less than 32.
	And then uh if I pick up some bartending uh events that I have on the side, I charge no more than at least three to eight thousand dollars just for for that for that little uh event, depending on how many.
	Mercedes is my ass, bro.
	Yeah, yeah.
	And and what makes it worse is that you live in a very high bro.
	I go to DC all the time, bro.
	Every time I go there to go do Timcast, so I'm very familiar with that area.
	You know, I see what the cost of anything is over there, bro.
	You live you you don't live in a cheap area, dude.
	Like, and I'm blessed that uh so I broke up with my baby mama, and uh like Myron said, uh, you got a kids too?
	But I l I live with my get a minivan.
	I live with my parents and uh they charge me eight hundred dollars a month.
	There you go.
	I knew someone was that's why they really helped me out.
	Uh I'm really saving my money, and like I said, thanks to Myron's plans, it's been helping me out a lot.
	That's that's what I know why now I know why he even thought about it.
	But hold on, because I was trying to figure out why the hell would he try to get a CLS now making sure you live with it?
	We just told you pre-show.
	This is the what?
	Number one wealth killer of Americans.
	Dude, the interest, the finance, everything is gonna fuck you, bro.
	Like, dude, you know what I'm saying, bro.
	This is gonna kill your wealth, bro.
	Whatever money you're saving your parents, bro, is great, dude.
	He's gonna spend it.
	It's gonna be a good thing.
	If you ever want to leave, you'll never be able to leave.
	You'll have to continuously mooch off your parents.
	How old are you, dude?
	I just turned 32.
	This hour.
	Oh my Yeah, bro.
	Um, bro, you this is uh this is a coming.
	This is a come to uh Jesus moment, bro.
	Yo, Look, dude, you're 32 years old, you're making three K a month, you live with your parents, you have no skills, right?
	Bartending I would have considered like a high income skill.
	Like my friend, you need to reassess your entire life right now because what you do over the next three to five years is gonna dictate whether you be are poorer for the rest of your life or if you're gonna get to a point where you won't be poor.
	And making bad decisions like this where you have a child, you're living with your parents, you have uh no skills, and then trying to buy a Mercedes off of that, right?
	Cause just cause you can afford the Mercedes doesn't you mean you'll be able to deal with the maintenance and everything else?
	Because I'll tell you this, bro, the m m uh maintenance for Mercedes or a BMW or any German car for that matter is gonna make you broke immediately.
	Bro, you need to focus on making more money.
	Like you need to cut down any type of um liabilities.
	Caller if you got fired from your job, bro.
	Okay, what would you do right now?
	What was that?
	I'm sorry, I was talking about it.
	And before before you answer that, how much money do you have saved right now?
	Total.
	Uh well this to save in total, no, I just have two thousand dollars and going up a little bit uh here and there, uh, because I have other bills and I'm trying to help out, but roughly two thousand dollars.
	If you're not fired from your job, what would you do right now?
	That shit to your kid, nigga.
	If you got fired from your job, what would you do right now?
	So that was the second question that I wanted to ask you guys.
	So I am a professional bartender, but uh I do have background with cars.
	What do you think about service advisor?
	I know I know uh Myron told me about uh the CDL, the truck driving, and to be completely honest with you, I'm not interested in that, but uh uh service advisor.
	Um I'm a little intimidated by that, but I'm a very persuasive person.
	So I don't know.
	What do you think about that, my friend?
	I have no idea.
	Um, there's no tips there, bro.
	Yo, this there's no tips.
	You're a slave to dealership, bro, and you're hoping your penny don't get fired.
	Dude, Salesforce, one of the largest sales companies in America laid off four K people.
	Recently.
	Four K people got laid off.
	Mind you, there's more else happening as we go along.
	So, brother, this is not a joke.
	It's not uh uh replay.
	This is real life, bro.
	If you lose your job today, bro, you're fucked.
	So this kind of thing.
	Honestly, the only reason you're not living uh on the street right now is because you're parents.
	We're gonna be honest, bro.
	Uh right, exactly.
	Yeah, no, you're a hundred percent, sir.
	You're a hundred percent and God bless I have parents that give a fine fuck about me.
	Yeah.
	And I know I I know a lot of men, a lot of gentlemen on uh on on our show that on your show, sir.
	I'm sorry, I'm my fault.
	They they they're not fortunate.
	Some of them, some of them le are living in the street.
	Thank God I'm so I'm gonna do that.
	This is what you're gonna do.
	Yeah, better than my own.
	Yo, look, just I need you to listen for two seconds, alright?
	This is what you're gonna do.
	You're gonna drop this Merced.
	You're not even gonna say Mercedes ever again.
	Okay.
	Um you're not in a position to buy a Mercedes.
	Let alone even think about one.
	Honda.
	You, my friend, need to make more money and find a second job.
	Being a bartender um is not good enough.
	Uh, you make three thousand dollars a month as a thirty-two-year-old man living with your parents.
	That's pathetic.
	You need to make more money.
	So pick up another job and make more money.
	You need to save more money.
	The fact that you only have two thousand dollars to your name is also pathetic.
	You need to save more money.
	So you need to make more money, you need to save more money.
	Call back to the show when you have 20,000, then we can have a discussion on something.
	But until then, you're not buying no fucking cars, you're not buying no luxury items, you're not buying nothing nice.
	I don't even want you to go to Chipotle, to be honest with you.
	You shouldn't be eating out.
	You should be literally going to work, going home, nothing else, no girls, no nothing, and you have a kid, bro.
	Like, dude.
	I have two.
	So yeah, bro.
	So you gotta two kids.
	You think these studies are gonna let me walk around like pregnant man speculative?
	Bro, you need to have uh you need to re really reassess your life, bro.
	Like you're you're you're in a point right now.
	I'm telling you, dude, what you do over the next three years, three to five years is gonna dictate whether you live paycheck to paycheck as a brokeie, or if you get yourself out of this fucking um hole that you're in.
	The only reason why you're not dealing with the bad uh decisions you made through your life is because your parents are holding you down.
	Bro, if you didn't have your parents, you would literally be fucking homeless right now, more than likely, or living in the ghetto somewhere or struggling.
	So thank your parents, thank them by not being a loser, make more money, save more money.
	You don't even deserve a fucking car now at this point, and you need to find another job and get twenty thousand dollars saved.
	Then we can have a discussion.
	Until then, I don't care what the hell you do, you're not spending money on no dumb shit, no liabilities, bro.
	You need to make more money and save more money and have at least twenty thousand dollars to your name.
	Yes, sir, challenge accepted.
	Okay, then Myron.
	I'll hold that to you accountable uh to me.
	Yeah, absolutely.
	Uh deal.
	I wouldn't have to do that.
	And that shouldn't be hard to do, bro, because you save all your money anyway.
	You don't got living expenses.
	You pay eight hundred dollars a month in rent.
	You're so that leaves you with about assuming you spend another couple three hundred whatever on food, whatever.
	Dude, you're gonna have you're gonna be pocketing one to two thousand dollars a month easily, and then you should be making more than three thousand.
	You should be trying to make at least five to ten thousand dollars a month, bro.
	Color.
	This is what you can do.
	Yes.
	Put in your room an actual image of the Mercedes that you want, put money, image of money in your room.
	And when you wake up every morning, bro, look at that poster.
	Look at that actual like picture of the car and the money.
	So you can focus because bro, you you need some type of guidance, bro, because this is crazy, bro.
	Like, honestly, this is wild.
	Yeah.
	Yeah, man, I I agree with you.
	I agree with you 100%.
	No, thank you for the advice.
	I I will I will do that.
	I will we'll continue to do uh everything you guys just told me.
	Oh no, okay, but uh to answer my question, what do you think about the service advisor then position?
	There's one that that they can hire me, but I I don't know, I'm a little intimidated.
	What do you think, uh Fraser or Marin?
	Bro, I just told you, bro, you won't get tips for that job.
	Oh, I'm you can't receive tips.
	Okay.
	So that's one thing.
	Two, at least with Barton's.
	It doesn't have job security stuff.
	You can scale fire people.
	Bro, uh the job market right now is really bad for this.
	Like, if you have a job, hold on to it for deal because people aren't hiring.
	Either it's hotels or roughly like maybe like bartender job, but but that's it.
	Like um, so it d this whole set, right, bro?
	If it's gonna be more money for you and more stable, look at the actual long term.
	Do the math.
	If you keep your bartended job and you get tips, right?
	Obviously, it fluctuates, but like let's say average out the tips.
	What makes more money for you?
	Then assess the risk.
	You may get fired at your service job, but you may not get fired at your bartender job.
	So you need to wait a pros and cons that way.
	All right, let's get the next person online.
	All right, bro.
	You know, you have your margin orders.
	Make more money.
	Yeah, five you you need to make five to ten thousand dollars a month and save twenty thousand dollars.
	Those are your two fucking goals for this month.
	I don't care about anything else.
	Five to ten thousand dollars a month is what you gotta earn, which means you gotta put in more hours and work more, get another job, and then you need to save twenty thousand dollars.
	The fact that you have only two thousand dollars to your name as a 30-year-old man, is completely unacceptable, all right?
	You got us, bro.
	You got us, you got this.
	Yeah.
	No, no, I definitely do.
	Much like when we go and start going next caller.
	Who's up next?
	We have where were you?
	There you are.
	Five three nine eight, you're up.
	Five three nine eight, you are up.
	All right.
	Hey, hey, what's going on?
	Myron Fresh, FNF.
	What's going on?
	It's Jalil from Castle Club.
	How are you guys doing?
	Oh, what's up, bro?
	What's up, man?
	How does the question with speaking months, man?
	It's been a while.
	Um, well, first and foremost, I just have a quick question, but before I begin, I just want to give you guys a quick update.
	I'm officially 172 pounds a year ago in May, I was 310.
	So I wanted to give you guys congratulations.
	Go, go, don't go.
	Absolutely beautiful thing.
	And now I have a goal where I want ads by the end of the year.
	I've never seen my ads before.
	And I intend on and I intend on accomplishing that with every by any means necessary.
	And thanks to people like you guys holding me accountable, and I've been able to accomplish that.
	So much love to all of you first and foremost.
	Cool.
	And I miss you guys.
	That's the first thing I wanted to point out.
	Um last for context at the at the meetup, I was 245 pounds when I saw you guys.
	So it's been a really, really great ride.
	That's the first thing.
	Um my question that I have for tonight is I want to, although, you know, although I'm doing very well, especially for somebody my age and all aspects of life, and I'm very grateful to God for it first and foremost.
	What I was wanting to call about is I want to segue into e-commerce because I know that with AI just continuously starting to take over and things starting to progress in that direction.
	I want to be able to be in a position where I can automate and really maximize um a second source of income so I can be in a financially free position to do pretty much anything I please.
	I can do most things that I can, you know, I can do a lot of things that I I can pretty much do anything I want for the most part now at you know at this point, but I want to be able to not only be in a position where I can do that at a greater scale, but also be in a position where I can serve others around me and you know put it put put like you know other people on and be able to have that provision.
	Uh what's the question?
	He that he's wants to know about e-commerce, basically.
	Yeah, so you want to know how to get get into it?
	Sorry, bro.
	You were you're rambling there.
	Uh I don't know which body.
	Wants to get into e-commerce is basically what he has a qu What is he asking about?
	Because he's saying the expansion of AI.
	We had uh uh Samir on, we had uh KT on.
	I'll go more with Samir because he's more focused on uh AI uh rollouts for e-commerce.
	Yeah, did you see that episode that we do?
	So watch the episode with Samir and uh actually we have people joining there and make some money as well.
	Uh so you could type into that coaching with uh Samir.
	Because doing it by yourself, bro, would be Swiss A, because you lose lose a lot of money.
	Also, when we had him on, he gave a whole thing on how to start it.
	Yeah.
	So did you see that episode that we did with him, bro?
	I did see clips of it.
	I didn't watch the whole thing from being a good one.
	Watch the whole thing.
	The timestamps are there.
	And you we kind of had him do um on air, uh how to like kind of started from A to Z, and he he gave all the he gave quite a bit of value as far as like how to get us started with a lot of the websites and everything.
	So by the way, he made from that one show almost 500k in sales.
	Isn't that crazy?
	Oh wow.
	Frage scores.
	It's fucking crazy, bro.
	Well, I'm not well, I was gonna say I'm not doing this entirely alone because I have a castle club group, uh, like group that I actually roll with.
	You know, I've I've you know I met them in person and we've gone on trips and stuff like this together, and there's one guy who's doing it very well.
	What I was thinking about was kind of just getting with him as far as like starting it up, and then after that, once I get a good startup on it, I want to see exactly guys that you've brought on as far as who I can follow to actually expand it to a really high level.
	So that's kind of just what I was wanting to get from you guys as far as where I should proceed, where I should start number one, and then after I started up, where I should proceed after the fact.
	No, I mean uh you were the one answered his question on the Um It depends, bro.
	I mean this one I'll say, bro.
	Right now, times are hard.
	Um you want to learn the skill for e-commerce for sure, but I would say get all the free value first up front that you can.
	And then as much as you can.
	Like, dude, you YouTube is vast for information and knowledgeable e-commerce.
	Obviously, some is outdated, some is not outdated.
	You gotta do what's actually relevant and what's new for this year.
	All videos might be outdated, so don't go to 2023, 24.
	Go to this year.
	Do you have a job now?
	Like what do you earn right now?
	Here's a job.
	Yeah, so as a it varies typically depending on like the the month, it's usually between six to seven thousand dollars a month, usually.
	Yeah, I mean, good money.
	If you keep your car if you keep your cost low, bro, you can definitely, you know, you're in a position where you can hire a coach.
	So like I said, um, I would say watch that episode first, bro, and then see if you even want to do it and it's something you want to do.
	Um, because you know, we give quite a bit of uh information on there for free and see how far you can get uh for free.
	And if you want to hire a mentor, you can do that as well.
	But get free value first, bro, and then hit a step after you get free.
	Yeah, watch that episode first, bro, because you might not even like it, dude.
	Exactly.
	So that's what I would say.
	But yeah, it's all there.
	Come play for freight, just search e-commerce, I think, search Samir or something like that, and it's gonna come right up on our on our YouTube and the timestamps are there and everything.
	Okay, awesome.
	Sounds good.
	Well, it's great to hear back from you guys.
	No problem, man.
	And congrats on the weight loss.
	Uh let's get the next person on the line.
	Guys, number call on the show, 646.
	I can't say 490394.
	There you go, yeah.
	646, 490, 0394, guys.
	The number of call into the show.
	Put the last four digits of your number.
	If you want to cut the line, answering questions on personal finance investing, not being a brokeie, whatever it may be.
	6722, you are up.
	6722, you are up.
	All right, go ahead.
	Hello, guys.
	Um thank you for what you do.
	So um right now I'm a regional hotel manager.
	Uh let's see how much I make in one month after taxes.
	I bring home 4,000.
	I've been doing this job for five years now.
	Um, yeah, I bought me a nice car.
	My payment is settled on it.
	You said you make four after taxes, right?
	So what what do you make before taxes?
	Before taxes, what is it?
	Like five something, I believe.
	Okay.
	So you earn you're like what 60k per year?
	65k.
	All right, 65,000 per year.
	Okay, and you take home four after taxes.
	Okay.
	All right, go ahead.
	Yeah.
	Okay, I ain't got no kids.
	I graduated UNC Spartans.
	I see you Thursday.
	Um I bought this car because my wife at the time, you know, I said we were making this good money.
	She had a good job.
	Now she has cancer.
	You know, she's dying.
	Probably got about a few more years left.
	And my only advice I mean, I just got a question.
	Um, should I just the payments are hard for me, bro?
	Because I I do live in a nice area, you know.
	My neighbors don't look like me.
	I detect the Where do you live?
	Do you live in Michigan?
	Go ahead.
	Where do you live?
	Huh?
	I live in Greensboro, North Carolina.
	Okay.
	Um, but you went to okay, so you went to school in Michigan, but okay, you live in Greens, bro.
	You make 65k per year.
	No, no, I went to school, uh, UNC Spartan, UNCG, you're in North Carolina.
	Oh, okay, okay.
	When you said Spartans like that, for some odd reason, I was thinking of uh okay, okay, UNC Spartans, okay, cool.
	Um, so and that's why you'll be there in Nashville.
	Okay, that makes sense now.
	Um, so your your wife, and my condolences that your wife is sick, bro.
	I'm really sorry to hear that.
	Um, so she doesn't work right now, you're supporting her, and you said you have a car payment that's expensive?
	Yeah, I got a car payment, 700.
	Um, my rent is 1500.
	Um told you.
	My plant.
	What kind of car do you got?
	What type of car?
	Oh, it's a Toyota 2025 cameras, zero miles.
	Damn.
	Um, brand new.
	Seven.
	I mean, look, I got it.
	No, no, no, no.
	But you know what?
	Yo, we don't miss, bro.
	What did we say?
	Average car payment, brand new is what?
	Seven?
	Yeah.
	All right.
	Let's let's let's find a way to get him out of this shitty situation.
	So I'm assuming you want to get the hell out of this car, right?
	Yeah, because I'm about to just get them a repo and just buy me a beer and keep my money, my salary, and just keep it moving.
	Repo?
	That's what I'm thinking about doing.
	Let it be a good one.
	Or something or get traded in something.
	Like, I I don't I don't really know about cars.
	That's what I need to know, bro.
	All right, bro.
	How much do you do?
	How much you gotta say up, bro?
	Yeah.
	How much I got saved up?
	Uh I got 5,000 saved up and ride 100 right now.
	Here's what you do, bro.
	You go to Car Max.
	So, listen, uh, I need this car sold.
	What can you offer me for this car?
	They're gonna look at a car, go through the car.
	Hey, what'd you pay for the car?
	Uh as a new car?
	What would what'd you pay for it?
	Oh, uh uh per month?
	Oh, you're talking about as in from total, how much it is.
	It's like 50 something K. Yeah, they got me, man.
	Look, I call my guy with 50 cents.
	How much you put down, bro?
	And this is Toyota.
	Oh no, it's Toyota isn't cheaper cheap either, bro.
	Especially not brand new.
	Uh, how much you put down?
	Any car?
	Uh I ain't putting nothing down.
	Uh I got a good job.
	They just gave me the keys and I just drove off.
	Yeah, that's how they get you, bro.
	They got you, they got your ass, niggas.
	When you put no money down, fellas, they got your ass good.
	All right, bro.
	This is pretty simple, right?
	Brother, do not get a repo until you get this car, this beater car.
	Problem is, bro, is when you go get this beater car, you get that car in for repo, he might not get that car at all.
	So, here's what you gotta do, bro.
	Right?
	This is the first that they got you do.
	Carmax, you go over there, bring the car, they're gonna evaluate the car for you.
	You're probably gonna lose like 10k on the car minimum.
	Uh at this point, yo, bro, if you probably lose 10k on the car.
	You don't have 10k, so of course you're gonna have to let the car go.
	Or make the payments until you have enough money to pay the car off.
	If I were you, that's what I would do.
	Um, save some money up, pay the difference from the car to negative equity, get out of the car.
	But in your case, you're talking about you know, repo.
	If I were you, I wouldn't do that, bro.
	But that's up to you.
	But if you're gonna do a repo, have the get the new car first, yeah.
	Then let them take the car as a repo.
	Make sense.
	Yes.
	So I would advise you to, bro, as a not as an expert, just as someone give you some advice to go ahead and get this money to pay the car off.
	The negative equity, which probably give me like 10k or so.
	And then once that's done, let the car go.
	But if you want to do what you want to do, then by all means, go ahead and get the repo.
	But get the beer car first because that's gonna save you.
	Isn't that gonna cook his credit score though?
	Definitely will.
	I uh if I were him, I wouldn't do it.
	Fuck you up, bro, for seven years.
	And and and don't they reserve the right to sue him after?
	They do.
	For the negative equity.
	Bro, I don't I don't know if that's the move, bro.
	Terrible thing to do for your credit, bro.
	And also your your finances, too.
	And keep in mind, that's gonna fuck you up, bro, because it's gonna affect your ability to get loans in the future, credit cards in the future, you want to buy a home, any of that stuff is gonna stay on your credit score for a very long time, bro.
	So I think you really need to consider um doing the repo route.
	I think just losing what?
	He would lose 10k if he sold it?
	No, it could be lower.
	I'm just doing the highest amount possible I can see from.
	And mind you, Toyota does hold value, however, it's a brand new car.
	Yeah, bro.
	And the the rates, yo, fellas, the rates.
	So I assume he's gonna lose 10?
	Probably 10.
	Bro, I would say just have the 10k loss and and and keep your credit intact, bro.
	But again, go to Kazakh.
	take that 10K anyway.
	Yeah, get the car max.
	Look at how much money they'll give you for the car and then make a choice from there.
	But until then, bro, you just assume at this point.
	So can you do anything maybe humanitarian since his wife is going through cancer?
	No.
	They don't care.
	You sign a contract, pay me or I'm taking the car back.
	It sucks, bro.
	But that's what it is, bro.
	Once you do that contract, it's it's and yo, hope your wife gets better soon, bro.
	God bless her.
	But yeah, it it's it's car is carbus.
	How far along is she?
	They don't care.
	Uh we got diagnosed three years ago.
	She's on her last stages now.
	So I'm just I'm emotionally, I'm a wreck, because all I do now is work.
	You know what I'm saying?
	Trying to do all this shit.
	Hey, man.
	Well, I'm not gonna make it probably.
	I'm really sorry to hear that, bro.
	Um look, stay strong.
	You know what I mean?
	You don't want uh you don't you don't want her last image of you is to show weakness, man.
	So stand by your side.
	Um I know this situation sucks, but just eat the 10k, bro.
	That's what we're estimating is probably gonna be the worst for you.
	I think losing $10,000, um, though it's a pain in the ass is gonna suck.
	At least you'll still have your credit intact.
	You'll still be able to go ahead and get loans in the future and you won't totally you know destroy yourself.
	And keep in mind that they won't be able to come after you legally and sue you down the road, bro.
	This is why you said, fellas, and this started sorry, you're this example, brother.
	But whenever you buy a car, bro, if you lose your job, you someone get sick in your family, things change.
	You know, your income is never static.
	It could change from tomorrow or from the next day.
	So a car like this, you know, it could it could mess you up.
	But it's not the end of the world, bro.
	10,000 at the most is not as bad as other people.
	We've had see we've seen people upside down a hundred thousand, dude.
	Yeah.
	So, you know, there's been guys that have had really bad situations with cars, man.
	So you still got a good credit score.
	You can still get yourself out of this.
	I would say just get rid of the car, bro.
	Spend as much time with your wife as you can.
	Yeah.
	And you know, God bless, and you know, stay if you ever need to call into the show or whatever, and you know, vent a little bit, it's fine.
	We're here.
	You could so find a dealership, put the car on consignment, which means they hit a car into the dealership and they sell it for you.
	But it may take some time.
	But repo is not the way, brother.
	Yeah, I don't I wouldn't repo, bro.
	Haram!
	I got you.
	Thanks.
	Who knows what you might need?
	One more last thing.
	Funeral costs, any of that other stuff.
	You want to be able to have your credit score good.
	What?
	What what'd you say, bro?
	I say I just want to say one last thing.
	Rest in peace, Kevin Saims.
	I used to be a fat ass.
	Now I'm okay.
	That's all I want to say.
	Good start, man.
	Well glad that you uh that you lost the weight, man.
	And uh, you know, bless you and your wife, bro.
	All right, spend time with her.
	That's what matters.
	Alright, thank you.
	All right, man.
	Bye.
	Um as well.
	Here in Florida, there's a lot of uh insurance fraud.
	And people actually I should say this on camera, should I?
	Uh fuck it.
	I'm gonna say people actually go ahead and they uh purposely accents.
	Yeah, people get the value of the car.
	Yeah.
	It's fucked up, but people do all the time.
	Yeah.
	Well, again, his situation isn't the worst.
	Um that's the worst.
	Yeah, he's I've seen someone buy a fry SF90 for $700,000.
	It's worth now $300K.
	So he lost $400K with that car.
	Yeah.
	Nigga.
	Bro.
	Yeah.
	If we I mean, if it if the worst is $10,000, yes, that's a pain in the ass.
	That would piss anybody off.
	But I think um d do it going the route of letting it get repo, bro.
	Because I've seen a couple bro, that's a weird, I've heard a couple of people who have that strategy.
	Just let them repo it.
	But I'm like the worst strategy of all time.
	I don't know if that's a good idea.
	Keep in mind, fellas, whenever a car is repossessed.
	What's gonna happen is the bank takes it to an auction, sells it for super cheap, whatever you owe for the car, and it's gone.
	But on your end, they're gonna sue you for the difference of money that they lost on the car.
	So if you think you're gonna get off scar free, oh yeah, just go on my credit.
	I don't care.
	If they sue your ass, nigga, you're cooked.
	Because you gotta pay the money regardless.
	Yeah.
	So you better all just pay the money off, save enough the money and then pay off and get rid of the car completely, without being sued, and then move far from there.
	But yeah.
	All right.
	Let's uh let's go.
	Um next person.
	646, 490, call into the show.
	No.
	Alright, cool.
	But girls are.
	Let the show go on.
	Five, two, six, two, you're up.
	Five, two, six, two, you're up.
	All right.
	I think we got a guy in entropy as well.
	That we we already had him.
	We are.
	Oh, where he spoke to him.
	Okay, cool.
	What was it?
	Entropy.
	Our new donation.
	It's our new donation thing.
	Oh, yeah, you're right.
	Yeah, yeah.
	Guys, uh, F um Stream Labs banned us because, you know, elementary trash.
	Just say FNF Super Chat.com.
	FNF Super Chat.com is the website still, but it's now we use a different service or that won't ban us.
	Um, all right.
	Uh we need to figure out though how to get it on screen and stuff like that, though.
	We're working on that.
	Um, who's up on the line?
	Five two six two.
	Five two six two.
	Uh, what's up?
	Welcome to the show.
	Thanks, T Fed for the good.
	What's up, Myron?
	How you doing?
	What's up, man?
	What's the question?
	Um, I got a question.
	Um, I need advice.
	So I've been working for the county for Miami Day for the past two years as a medicine mechanic.
	Yeah, I made um 43k.
	What mechanic?
	I made 43k last year.
	Hold on, hold on.
	What mechanic?
	Uh what mechanic?
	Say that again.
	What kind of mechanic?
	Maintenance mechanic.
	Oh, maybe okay.
	Like you work on like uh police cars and cars for the estate.
	Um, no, I go like around the county buildings.
	Pretty much on like a carpenter.
	I go around like fixing walls and like doing concrete, like doing construction work.
	Okay, so you're you're you're a carpenter for the county and you basically do maintenance work for the buildings.
	Yes.
	Okay, got you.
	Okay.
	Go ahead.
	And um last year I made um uh 73k last year.
	Yep.
	Um this year I haven't been working overtime because I'm a town, but recently I just got hired permanently, so soon I'll be back working over time.
	But I was thinking about going to school for um construction, tele technology and science.
	So I'll um be a manager in the future, so I don't have to rely on overtime.
	And on my car payment, I pay 650.
	And for my insurance, I pay 309.
	I'm 23 years old.
	And I have a and I have a 718 credit score, thanks for you guys.
	And I hit it this month.
	And I have no money saved up.
	I ran through it and I stayed with my parents.
	So what's the best advice you have for me?
	Alright, so let me make sure I have this right.
	So you earn about $70,000 a year, you're 23 years old, you work for the county doing carpentry.
	Um what kind of car do you have that's costing you a thousand dollars a month with insurance and the payment?
	Uh a total cameras 2024.
	These cameras are gang niggas, bro.
	Toyota's are not cheap.
	Okay.
	Neither Hondas.
	You gotta okay.
	Uh where do you live in the city of Miami or where are you at?
	Nothing's cheap anymore.
	Yes, I stay, I stay in the city of Miami.
	Okay, um, so you stay in the city of Miami um and you work for the county, so you drive all, I'm assuming you drive all around the county to do jobs wherever they send you, right?
	What whatever building?
	Uh I say I say I drive my car to the trade shops.
	I get in the county vehicle, and I drive their vehicle around the government building.
	So I really pretty much don't use my car.
	Bruh, get rid of that car, man.
	I would say well, step one is get rid of that car, bro.
	Well, because he has no money saved and he's paying the thing.
	Now the thing that's saving him is he lives with his parents.
	Here's the issue.
	Wait, how much are you how much money are you pocketing per month?
	Like uh that you're like actually saving.
	If you live with your place.
	Well, with the uh my regular pay is like 43k, but with overtime, I make roughly like 73k with overtime.
	But if I'm not working that, I say every two weeks I'm bringing like one 1,200.
	With with no overtime.
	Yeah.
	And you have no savings at all?
	No.
	You spent it on the car?
	Um, no, I put no down payment on the car, but all my payments is going like that.
	Stop doing that, bro.
	Whoa, whoa, whoa.
	Stop doing that.
	That is the worst possible scenario for you.
	Do not put 0% on a car.
	It's like property for 0% via alone.
	Yeah, yeah.
	It's gonna be a high.
	Well, that's why he has a really high payment.
	Bro, where where'd your money go, bro?
	Don't lie to us.
	Where do where'd it go, bro?
	You did some dumb shit with it, didn't you?
	Probably.
	What do you do?
	We spending it, bro.
	Spending it on dumb things.
	Nigga shit.
	Yeah.
	What'd you buy, nigga?
	A switcher?
	Yeah.
	Switch for your gun?
	Yeah, he's pretty no, he's he's here in Miami, bro.
	He's probably going to clubs or shit.
	All right, yo, like, bro.
	Uh, very simple, man.
	Um, number one, you gotta get rid of that car.
	I think uh you need to get something that's cheap because realistically speaking, the fact that you don't even drive your car, you go to you drive to work and then you pick up a county car so you can actually go ahead and do your rounds.
	Like, you don't need a car, bro.
	Uh or you don't need a car that that's gonna cost you a thousand dollars a month.
	That's gonna save you a significant amount.
	And then you just gotta cut down your spending habits.
	You're probably buying you smoke weed, bro.
	No, I don't smell sober, bro.
	I'm a clean guy, I'm clean.
	I'm clear.
	I'm clean.
	All right, you sound a little bit more.
	A lot of food and like going out and this all right.
	You need it, you need to cut going out, bro.
	No more going out, no more girls, none of that dumb shit.
	You gotta get rid of this camera.
	How do you think you should go about it?
	2024?
	He can't.
	What do you mean he can't?
	He's fucked.
	He has no money.
	Negative equity.
	Negative equity cooked.
	Yep.
	He has money, bro.
	Okay, how much does he need then?
	First, Like tell him what he needs to say how much he needs.
	I wouldn't know.
	He has to go to the dealership, get the price of the car.
	Hey, Mr. So and so.
	How much did you buy it for?
	I bought it for 39K.
	See for that.
	I got it down to 32,000 now.
	I had it for like a year now.
	Yeah, so whatever you owe them is going to be negative what you bought the car for.
	So for example, 32K is what you have now for the car.
	What's the value of the car?
	Do you know?
	If you don't know if you don't know the value of the car, bro, you can go to Kelly Blue Book.com.
	It's Kelly Blue Book.
	It's 24,000, like 22,000.
	Depending on the mouse on the car, because I've been I'd be driving a lot.
	Okay, so you owe 32, but it's worth how much?
	24, right?
	Oh like 23, 24.
	See?
	He has no money.
	He's stuck there.
	So he needs 10K, basically.
	Yeah.
	So do you suggest he saves up 10,000 and gets out the car?
	Yes.
	If he can.
	But he take out a loan.
	He has a 7 AC credit score.
	Budget problem, not a money problem.
	His budgeting issues.
	Well, yeah, I mean, he doesn't.
	Yeah.
	He doesn't say.
	So he take should he take a loan to get out to get 10K loan and to get out of this thing, or is it now worth it?
	Because the loan might be at a slow at a lower interest rate.
	Yeah.
	What's your interest on this car, brother?
	Zero percent.
	So it's probably gonna be high.
	Oh, yeah, it's pretty high pretty much.
	I don't know.
	I just went there.
	They got me that kind of papers.
	You don't know the credit on your car?
	This is the issue.
	This is the issue, right?
	No.
	We all do it.
	We buy a car.
	Yeah, we got a new car.
	But we don't get look at the payments.
	Uh sorry, the interest rate, no, that shit.
	I get it, bro.
	I've been there as well.
	Okay, what I'm thinking is this.
	Your best bet is to save the money for the car, the 10K.
	It could take you a while.
	Maybe 10 months.
	But once you do that, get out the car.
	He's got to work extra overtime.
	Yeah.
	He could he could probably save that 10K in a few months.
	If he works more, saves everything.
	Also, the other thing you could do, which I'm thinking about, because it seems like we need we need to get this guy 10,000 to get out of this deal.
	Yeah, there's two options, bro.
	Personal loan.
	You could take a personal loan.
	Or credit card.
	Or you could use a credit card.
	Yeah, either way.
	Because you got a 718 credit score.
	Or you can get a family member to give you the 10K so you can get out this car.
	Yeah.
	Because getting out this car is going to save you a thousand dollars a month easily.
	Off rip.
	Let's pay them back.
	And then and then you could pay them back uh with w with either no interest or no uh low interest, or because I know the interest rate probably on the car is probably high as hell because you didn't put no money down like an idiot.
	Um so what you could do is also get that personal loan at 10k.
	The loan that he gets at 10K might be lower than what he's paying on the car.
	Yeah.
	So that might be a way out, or someone could give you a loan and help you out.
	But yeah, bro, you're gonna need about roughly 10,000 to get out of this uh shitty car situation you got, bro.
	But I would say that's step number one uh with your problems and next car.
	Okay, put money down on the car, please.
	At least 10 to 20%.
	Okay.
	And then again, no new cars, bro.
	Only used cars.
	Yo, I don't want none of y'all niggas buying new cars, bro, until you do it calling to the show, bro.
	God damn, man.
	Yeah.
	Every single one of you guys, like, yo, if you guys are thinking about buying a brand new car, whatever, just call into the show, give fresh the numbers, and he'll tell you if it's a good deal or not.
	The moment you buy the car, bro, you're losing at least 20% off the lot.
	Every single one of you in chat right now that's thinking about buying a car, do not buy the car until you talk to Mir Fresh, bro, at this point, honestly.
	Because we could have probably saved a bunch of you guys from we said the guy with the CLS.
	Yeah.
	He would have been he would have cooked himself.
	He would have been cooked.
	So any of you guys that are thinking about buying a new car for this year or in the next couple months, whatever, please hold off until you call on to the show, bro.
	Spend the five dollars, call on to the show, get life saving advice, it's gonna save you $50,000 or fresh.
	He'll tell you, he'll run the car right there on Kelly Blue Book, tell you, nope, don't do it.
	Uh, or hey, I got it here, or do this, whatever.
	Because you guys are putting yourselves upside down on these cars for no reason, bro.
	So look at Samir.
	Look at Samir.
	He saved millions not buying some of these cars over here in Miami.
	Bro, uh he makes money too.
	Look, and you're not in the worst situation, you're kind of like the other brother.
	You're gonna need about $10,000 to get yourself out of this hole.
	Yeah.
	Um it's possible.
	But it's possible and you got a good credit score.
	So you could get a personal loan, bro.
	Uh, with if it has a good interest rate, get out the car, and then you could pay it.
	You could probably save money by paying that that 10k back versus going the other route.
	Good option.
	So that's that's a way to go because you gotta go to the credit score.
	If you can get a family member they can lend you the 10k, that's even better.
	Or the other thing you could do is you could do credit card arbitrage too.
	A lot of these credit card companies, matter of fact, hold on.
	Now I think about it.
	Bank of America has a credit card that will let you take the money out up to twenty-five thousand dollars, arbitrage, and then you have uh 18 months to pay that back with no interest.
	By the way, this is not financial advice.
	This is just us giving you our knowledge.
	We're just giving you options and experiences.
	Yes.
	So you got three options, bro.
	Personal loan, family loan, or you could do credit card arbitrage.
	I know Bank of America right now has a card that you can um, you know, there's a couple banks that do this.
	What's it called?
	I gotta get my wallet.
	Um, but it's uh it's a card, bro, that will let you um basically do a balance transfer.
	And a couple of banks, it let's say you don't have bank of America, you got chase, whatever.
	All these banks have a card that will basically let you do a balance transfer where you can get the the limit on the card, put into your bank account hard cash.
	Okay.
	Now, obviously the interest rates on these tend to be high, but a lot of them have an offer where you have 18 to 24 months, no interest.
	So you'll have a year and a half, bro, to pay that 10k back.
	Okay, sounds great because I was gonna um start by working on overtime and working uh hours to pay this.
	Oh, yeah, you you gotta you're gonna have to work that overtime even more, bro.
	You it's time it's time to do slave labor, my friend.
	So you get out this car.
	And then never buy another car again without consulting with uh with us.
	Slave labor.
	If we had known is bank and merry card.
	Yeah, I've been watching you guys for a year and a half.
	I'm kind of new, but I didn't know.
	You had already bought the car before you started watching us?
	Yeah.
	Fair enough.
	Yeah, fair enough.
	Okay.
	All right, Mary Man.
	Well, we're here now.
	We're in your corner, bro.
	So uh um do one of those three options, bro.
	You're not in a horrible spot.
	You got a good credit score, so you can you can get yourself out of this.
	Ain't no big deal.
	10K, you could do it.
	Yeah, it's gonna suck.
	You're sending yourself back about six months, but it's okay, it could be done.
	And you're still young.
	Yeah.
	Lessons learned.
	All right, bro.
	We'll talk to you.
	Thank you.
	All right, man.
	See, most people aren't taught this at all.
	Just go to school, get a degree.
	But then they get a lot of this debt, bro.
	Fuck, because they don't know how to get out of this.
	Guys, I am so serious, bro.
	Any of you guys that want to buy a car, bro?
	Do not buy a car till you call into the show, bro.
	Yeah.
	Oh my god, man.
	It's bad, bro.
	You guys are well, we said one guy at least.
	I say I said thousands, bro.
	My fucking Zoom called.
	Well, I mean, on the on the but I'm saying, 'cause a couple of these guys have already gotten bad, bad car deals.
	Yeah, yeah, yeah.
	And upside down.
	But look, 10K isn't the worst, bro.
	I've seen we've seen dudes with 200k, 300k, upside down on a car, bro.
	Oh man.
	Bro, you you see Yusuf, bro?
	He sees this shit every single day.
	Yeah.
	That's just terrible.
	Stressful, bro.
	I'm stressed.
	I don't even have the cars.
	Yeah.
	All right.
	Who's up next?
	4738.
	You're up.
	Four, seven, three, eight, you are up.
	Hey, you hear me?
	What's up, man?
	We got you.
	Hit us with your question.
	Uh, Walter, zoom calls are on Castle Club only.
	So link should be down in uh description, right?
	Yeah, we do one Zoom call a week, if not sometimes two times a week, man.
	Yeah.
	So suddenly we'll do another Zoom call for uh cars.
	We got one this Wednesday coming up too, probably.
	Yeah.
	Um, what's your question?
	You got a lot of sound on your uh thing, so just be fast.
	Yeah, so Byron.
	Um so I'm an OSS, bro.
	Been watching you guys for you at studios, to be honest.
	You and Martin fresh.
	Nice.
	Um But um my life is really upside down right now.
	Um I'm just want to know what what would you guys do in if you was in my shoes?
	Um I got some numbers written down for you guys, so I'm just gonna just spit them out.
	All right.
	Um so starting with um the credit scores, is a uh five, five sixty-five.
	Okay.
	Um I got two collections.
	Um that's with family members.
	Um I can, you know, talk with them and get that paid off.
	It's only like 500, and then other ones like 200.
	Okay.
	Um I have two credit card cards that's maxed out.
	Um one is like a thousand, and then uh my capital one is like three hundred.
	Okay.
	Um I do have a car loan.
	I have seventeen K left on the loan.
	It's six hundred a month within with insurance, it's three hundred a month.
	So it's like basically a thousand a month.
	All right.
	Um unfortunately, because I've been listening, I would get rid of the car, but like dumbass, I I owe back taxes on the car, so I gotta pay that off first before I get rid of the car, and I'm also negative equity in the car as well.
	So it's always I want to get your opinion on that.
	Um so overall, my debt is around 30k.
	I'll make uh 70K.
	Um that's uh after taxes, I make 70K.
	Um before taxes is around like 80.
	Um in school do you consuming uh and you're in school too?
	How much do you uh take home like after taxes per month?
	After taxes per month is around like six, sometimes with overtime is like six point five.
	All right.
	So total expenses added up.
	Everything.
	Yeah, what because what is that?
	Because you make a good amount of money and you shouldn't be in this kind of debt.
	So I'm trying to figure out here what's going on.
	Somewhere.
	Oh man.
	Yeah, it's a a bunch of shit, bro.
	Um a horrible relationship that I that I I got out of um domestic violence, all that bullshit.
	Oh I have lower fees.
	Um yeah, I'll I was gonna get to that.
	I was wondering your opinion on that as well.
	Um, yeah, because there's no reason because I'm like in my head, I'm like, okay, so you okay you owe 17k on a car, you owe like a thousand dollars here, a thousand dollars for the credit card, maybe two K total was what I calculated from your personal debt and your credit card, you're making six K a month, you shouldn't have this problem, but okay.
	You wanna tell what the bonus point about wealth killer?
	Second one?
	Which one?
	He mentioned it.
	Women.
	Oh, women?
	Oh, yeah, yeah, yeah.
	Of course, of course.
	Um okay, so let me get this straight.
	So you're taking home about six thousand dollars a month, and you have one thousand on one credit card maxed, three hundred on other credit card max, and then you said you owe you have two debts and collections from family members?
	Yeah, it was it was a apartment that we was in, and some damage got done to the apartment, and then they charged us for it.
	It's like two years old now.
	Oh, shit and the total of that is you said roughly like $800 or something?
	Yeah.
	Okay.
	So all right, and then and then the reason why, and how much money do you have saved right now at this moment is you're on this phone call?
	Uh 4500.
	Okay.
	Um would it be fair to say that the reason why you're so upside down financially is because you had this domestic violence situation, lawyer fees and stuff?
	Most def most definitely.
	And it's it's I got hit with a class D felony, like everything is pending right now, is it's not on my record officially.
	They're trying to put me into some sort of program that I do well in the program for about a year and then.
	All right, is your okay let's deal with the criminal case first.
	Are you or is your case adjudicated yet or what?
	If it's if it's what?
	Did you okay?
	Did you plead guilty or what?
	What's what's the deal with that?
	No, no, negative, no.
	I I didn't play guilty any yet.
	Okay.
	So it's still pending.
	Okay, so where are you?
	Uh where are you and and are you going to trial?
	What do you what are you gonna do?
	Right, yeah.
	So we've been back and forth with with with court and stuff, and they're trying to put me in in in this program.
	I forgot the name of it, but it's it's too, you know, see if I do good in it, see if I pass it.
	And as it she said, my lawyer says about a year and a half.
	Um, and if I passed it, they they would just get rid of my my charges, according to her.
	Who told you this prosecutor?
	My lawyer.
	Okay, let me let me let me make sure I have this right.
	So you didn't just get hit with you, you got hit with a uh uh a felony uh assault.
	No, it's it's a felony of um violation of a protective order.
	Um I needed my work equipment from the apartment.
	She lived with me for about two years.
	Um and she had the fucking yeah, I know.
	She had um I had all my work equipment there, and and they kicked me out of my own apartment.
	Um said I couldn't go back, but all my work shit was in the was in the apartment.
	So I went back and you know, she started a whole bunch of shit and then she she called a cops and then I got hit with a um, all right.
	So okay, so you had a protective order against you from this girl.
	Like, did you get arrested before for domestic violence with her or no?
	Um, yeah, I did, yeah.
	Damn.
	Did you get did you put guilty on that one?
	Yeah, a bunch of allegations.
	Um I have everything on video, but she made a bunch of allegations to me.
	Look, look, look, uh let's just keep it simple.
	So let me get make sure I get this right.
	You got hit with the domestic violence the first time with her.
	Did you plead guilty to that?
	No.
	What's the deal with that case?
	That first case.
	They they they let me go on forgot the exact term for it, but they let me go.
	Um, and then they put the the domestic violence um or sorry, the um the protective order in place.
	Uh technical technicality?
	No, I mean to show up.
	Bro, how do you not know?
	You gotta know, bro, dude, you gotta know this type of stuff, man.
	Like, what happened with your case?
	Did it get did you get dismissed?
	Did it get um uh did you get did he plead guilty to a misdemeanor?
	Like what happened with with that part.
	Go ahead, Mario.
	No, no, I'm listening.
	What what happened?
	The first one.
	Oh, um, so the first one, so I did get hit with with the with the um so the first time we got into an incident, the cops called and everything.
	I got the charges on me from her her allegations, and then they put me in the program.
	It was about like a two week program.
	I passed that, and then it was gonna get dismissed.
	So they they put it ahead for like seven months.
	And they they it was going to get dismissed um for seven months.
	And then, you know, seven um around like six and a half months went by.
	It was around like six days left for everything for me to go to court.
	And then we got into an issue issue there.
	And then that's when the violation of protective order got in place again.
	Wow.
	For the for the felony.
	So six days was was was was left for me to go to court and get everything dismissed.
	And to be honest, every single time I try to break up with her, she she threatens to call the cops, make it make make allegations, and then you know, I was dead serious that time, and then you know, like she called a cops on a six days.
	Alright, let me make sure, bro.
	I'll be honest with you, you're horrible at explaining things.
	So I'm gonna try my best to summarize what's going on here because you don't even know what's going on in your criminal case, so I'm trying to connect the l the dots here so I can figure out how to best give you advice.
	So you got arrested for domestic violence.
	While that case was pending, a protective order was issued against you.
	You violated the protective order by going back to the house to pick up your work equipment.
	Yeah.
	And then you got arrested again for felony.
	Is that fair to say?
	Yes.
	And then both cases are still not adjudicated yet.
	You do you didn't plead guilty to either of them or none of them, neither of them are done.
	No.
	And you have to do classes.
	I'm assuming probably anger management.
	Yeah, I completed that, but they're they're getting me into another program for um for the for the remainder of the case, I'm assuming.
	Alright, so you had anger management for the first domestic violence, now you gotta do something else for the set for the for the felony.
	Right.
	Okay.
	And I'm assuming upon completion of these two classes, they're saying that they might potentially dismiss the charges against you.
	Correct.
	Wow.
	Okay.
	Um how much are you paying a lawyer your lawyer a month?
	Uh it's around a thousand and the so it's so it's it's it's a loan.
	So it's around a thousand a month.
	Okay, so I have like around like six K left to pay off.
	Oh, he got a lawyer loan?
	What do you call that?
	A lawyer loan?
	Regular loan.
	Wait, you you took out a loan to pay the lawyer?
	It's it's with um our firm or whatever you call that shit.
	It's okay.
	So it's like they they paid it.
	Yeah, so is it a pay after th type of thing?
	You just pay after?
	Like a firm.
	Yeah.
	Yep.
	Okay.
	Well, no, you got a private attorney, right?
	It's not a public defender.
	Yeah, you don't know.
	It's a it's a private attorney.
	So he got a loan from a company, and he's paying the company back for the for the lawyer.
	Took the money out, hey lawyer.
	Oh, yeah.
	So you took a private loan to pay the lawyer.
	That makes sense.
	Correct.
	Yep.
	I was confused there for second.
	Bro, uh, I don't want to dude, you gotta work on your articulation skills, man.
	Like, we have to ask a lot of follow-up questions because you're not very direct, and maybe a skill set you could work on.
	I get it, you're on the phone first time.
	But okay, long story short though, you summarized it very well.
	I just think in this situation, he has a lot of bills going out, right?
	Well, yeah, of course.
	But but the other thing too is that like um, you know, I'm just trying to understand here because so he's got two pending criminal cases, and then he has two things in collections.
	And a loan.
	Then he has the yeah, so he has he has a private loan, he has two things in collections because of apartment uh the uh problems plus his other bills, and then the car payment, and then okay.
	So, all right, bro, okay.
	Now that we kind of understand what's going on here, I'm gonna go through this one more time.
	So number one, you got two criminal cases open right now, right?
	One felony, one misdemeanor, and you're that's gonna kind of contingent upon you doing classes.
	Two, you have a credit card maxed out at one hundred dollars and another sorry, a thousand dollars, then another credit card maxed out at three hundred, then third, you have um some things in collections, uh, three to five hundred dollars, uh, disputes with family members and rent and friends or whatever maybe you guys left an apartment bad, and then you have a seven hundred dollar a month car payment, right?
	Or some of those, and then uh three hundred.
	Six hundred with uh three hundred insurance.
	So another thousand on that.
	So he's paying a thousand for his car, thousand for his lawyers, uh for his lawyer, um loans.
	He's got two things in collections for about seven hundred dollars, then he has a credit card maxed out at a thousand, another one for thirteen hundred.
	Okay.
	So, okay, this is where this is what I'll say what we'll tackle first.
	You need to get rid of the stuff in collections.
	Number one.
	And honestly, bro, it's less than a thousand bucks.
	What is it?
	You said four hundred dollars on one and then like another three hundred dollars?
	Uh five hundred on one and then two hundred on the next.
	It's gonna bo it's gonna boost your score.
	It's gonna boost your score up a lot.
	So I'll say tackle the collections first, bro, because having anything in collection is gonna fuck your shit up.
	So um so number one, pay the collections off.
	It's only seven hundred dollars, bro.
	You can do it, right?
	You could think Here, even though you're in a very bad situation uh with all the other stuff, it's not insurmountable.
	We can absolutely get out of this.
	Okay.
	You make a good amount of money a month.
	Yes, you have these two criminal things, but you know, you gotta you got a private lawyer.
	More than likely, you're probably out of you know, plead this down to misdemeanor.
	You might not be able to carry a gun again, I'll be honest with you, but that's fine.
	Um, it's not a big deal.
	You have a misdemeanor conviction.
	Uh just never talk to this girl again and just be smarter.
	Yeah.
	Um, so I would say number one, tackle the collections.
	That's number one.
	Number two, pay off the $300 credit card that you have maxed out.
	Having a maxed out credit card, bro, uh, is always gonna mess your mess your credit score up.
	Okay.
	If you can do those the first month, we're that's what, a thousand bucks uh between those three different expenses.
	Then next I'll knock out the one thousand dollar credit card that's maxed maxed out because the thing that's dinging your credit score right now because you're sitting at about a 530, if I'm not mistaken, is the two things of collections, then your cards being maxed out.
	Yeah, if you can get rid of the two collections uh payments, um, and then the $1,300 that you own the two credit cards, that's gonna significantly boost your credit score until probably the 600s easily, maybe even low 700.
	650.
	Um 650, maybe into 700s.
	Who knows?
	Um, assuming that's all the debt you have.
	And then uh you obviously oh you said about 17k on your car, which is fine.
	Just keep making the payments on that.
	Yeah, for now.
	Uh for now.
	Because I would say the the credit card collections is way.
	That's the way.
	That's that's that's what's really hurting you.
	Um, and then yeah, dude, I think just off that alone, you'll be fine.
	Just see it.
	Obviously, the criminal cases, you gotta deal with that.
	It kind of sucks.
	Um, but the good thing is is that it seems like the prosecutor's working with you, and you'll probably be able to get some type of deal where you won't do jail time.
	Um, whatever you do, do not I I would fight to not get uh plead guilty to a felony.
	You know, even if you plead guilty to domestic violence, that's kind of bad too.
	I ain't gonna lie, bro.
	You'll never be able to own a gun again.
	Uh, but you don't want to follow any conviction.
	Damn.
	Yeah, because it's domestic violence.
	If you plead guilty to it's a Lautenberg Act.
	Um so that's that's what I would say, bro.
	Uh what do you think, Fresh?
	Based off that what he told us.
	It's pretty sound, but again, the car is at least your worries, bro.
	Yeah.
	Uh yeah.
	Your score going up, and you can pay out these small ones first, is way better.
	Yeah.
	Collections, bro.
	Number one.
	Yeah.
	Pay those off first.
	And you got the money, you can do that, bro.
	You got 450, bro.
	You can pay that off today.
	Bro, never live with another girl again, bro.
	Yeah.
	Oh my fucking God.
	Yeah.
	That hurt my ears, bro.
	Yeah.
	Oh, uh, another thing with collections, just so you know.
	I mean, you could do this if you want, bro, but you could call them and tell them, hey, I don't have all the money.
	Uh, you know, I could pay you guys this much.
	But bro, it's so little.
	We're talking about like 700 bucks, bro.
	Just pay the 700 bucks to get rid of that shit.
	I'll take 700 from your 4500, bro, and I'll just pay and get that collections done with, bro.
	Yeah.
	Collections absolutely trashes your credit score, bro.
	It does.
	All right.
	Does that does that you write all that down?
	Yeah, I did.
	I did actually.
	So look, bro.
	No, no, you're watching back.
	Watch it back.
	Watch it back too.
	But this is look.
	Step one, you're gonna pay off those things in collections.
	You're gonna take a portion of that 4,500 that you have saved, you're gonna pay off that thing in collections.
	Then you're gonna attack the credit cards.
	The $1,000 credit card and the $1,300 credit card, the $300 credit card, you're gonna pay those off next.
	Okay.
	So collections first, knock that out, then the credit cards.
	After you have that done, start saving money again.
	Prepare for your legal defense, talk with your lawyer, figure out what your options are.
	Do not plead guilty to a felony if you can avoid it, bro.
	And then also, if you could plead guilty to something else that isn't a misdemeanor crime of domestic violence where you don't you can still carry a gun, do that as well.
	You got a private lawyer, you should have some options.
	Um, and then stay out of trouble, bro.
	Like the fact that you got arrested twice, twice in a short period of time, that can look very unfavorable for you, especially since you already had a case against you.
	So um just be on your best behavior, no dumb shit, bro.
	Uh, save your money because who knows what might happen.
	Uh I don't foresee you going to jail, but you know, who knows what the hell's gonna happen.
	So pay off those debts, collections first, credit cards next, save up as much money as you can in the process, pay your lawyer, stay out of trouble, and then as far as your car goes, I wouldn't worry too much about that, bro.
	Let's deal with the problems at hand first, your criminal case and your collections and your credit card debt.
	Um, and then as far as the car payment goes, once you have all that handled, man Fresk can help you out with the car payment next.
	But you you're probably gonna you're gonna be in a similar situation where you're probably upside down on the car, I'm assuming.
	Yeah.
	Does that help, bro?
	For sure.
	Does that help?
	Yeah, definitely, Mario.
	I appreciate it, man.
	Hey man, you're not alone, bro.
	We got you.
	Like you did some mistakes, but it's not the end of your life.
	You're in a good position.
	We can still absolutely turn this around, okay?
	Gotcha.
	All right, man.
	Yo, keep your head up, bro.
	You're fine.
	Yeah, all right, man.
	Bye.
	All right.
	Yeah.
	That's a lot of uh holes to fill.
	But he can do it.
	Yeah, uh Chris is here.
	Uh girls are here as well, so we're gonna close out for after hours.
	All right.
	Um guys, uh, we're gonna reach out.
	Yeah.
	Oh shit, it's already 1045.
	Yeah.
	Okay.
	Uh T Fred.
	Gifted one uh sub.
	Appreciate that, bro.
	Damn, Del Mont, go, go, Del Month, go.
	Rog, Roger with the 50.
	Thank you so much for it.
	Uh Suey says, hey Marvin, I really want to help my mom rent her house, Long Island, and be able to live off tenants.
	I'm a first gen. Right now, I'm just a lifeguard making two and a half K a month.
	I'm gonna start a second job this month.
	What can I do to start helping her?
	The house has three bathrooms for uh oh, three bathrooms for uh rooms and a downstairs studio uh style living room area.
	Um I mean you can rent it, bro.
	Uh you just gotta rent you gotta rent to that market rates, bro.
	You know what I mean?
	You gotta rent it at market rate is really what it comes down to.
	Um for anyone looking for a better uh beater, FB Marketplace is a good place to start.
	You can get a nice beater vehicle, three to four K cash.
	All right.
	Fresh, I'm trying to I'm trying to buy a Lamborghini Mercy Lago with 23% interest.
	I have 69 dollars to my name.
	I think it's a good idea.
	All right, bro.
	All right, Dam says, can you bring someone that knows how to uh leverage credit cards?
	I see people next talking about getting 0% APR cards and transferring the balance to your credit checking account to buy stocks in crypto, and it's not a cash advance like most people think.
	Uh bro, we've we've talked about that on our show plenty of times.
	Um what about the American, right?
	The one you just mentioned, Bank of America?
	Yeah, yeah, there's credit cards that will let you um you know do a balance transfer and then you can like leverage that thing and then you just gotta pay it back in 18 months.
	So, yeah, bro.
	We've talked about it plenty of times.
	Uh Juice Crew Meek, W Money Mondays, F a car.
	I'm trying to have two duplexes by 30, uh, one more to go.
	I'm 28.
	There you go, bro.
	Good stuff.
	Your stuff.
	Um fresh.
	See, look, if you guys want to buy a car and you know, all this other stuff.
	If your c if your house could pay for your car, that's a different story.
	Your your asset pays for your liability.
	But you don't want your earned income paying for your liability, bro.
	Uh fresh buying Lambo is paying for box.
	Don't say it's for you.
	That's like a 304 sanction dress for a cell.
	No, you idiot.
	First of all, Mario, when I met you, what was one of my goals from the very beginning?
	Oh, you always want to be uh buying Lambo.
	I've always won Lambo from this fucking Actually when it's first game.
	My whole story.
	Going to Starbucks, same guy with Lambo with a chicken in the front seat.
	I was one on one.
	Mm-hmm.
	Yeah, more girls before Lambeau.
	And I honestly, guys, I get more girls with Aston Martin and I do Lambeau.
	Funny story.
	It's crazy, but it's less money, but I get way more girls.
	So there you go.
	Yep.
	Absolutely.
	Keep tripping says, Fresh buying a Lambo.
	Oh no, sorry.
	Uh Mallow Boy says, Myron, I need some advice and real estate.
	I'm trying to buy a house with my cousins, and I would like to know how much money do we need and what kind of paperwork ins and outs or are you gonna make a real estate episode?
	I've bro, we have plenty of real estate episodes.
	Search um how to buy real estate 101.
	We have a couple episodes on it.
	We did one with bigger pockets, actually.
	But here's the one thing I will tell you, bro.
	Do your first deal by yourself.
	Do not go in with friends or family your first deal, bro.
	And the reason why is because you need to learn how to do a deal from beginning to end.
	Yep.
	Uh and understand what it's like to be in landlord and figure it all out, man.
	So don't do your first deal with people.
	Do it by yourself.
	Hey, Fresh If it I take a personal loan of 10K and buy a car at seven or six and only pay the bank instead of car loans.
	Is it better or worse?
	Give me your opinions on what should I do?
	Yo, yo, dead ass, bro.
	It's not a bad idea.
	So, guys, cheat code, he just said here.
	Before you go to dealership, every single time, go to your local credit union, get their loan first, then go there.
	You're gonna see the average of how much interest you pay for credit loan.
	Sorry, credit credit union loan.
	So you're saying get a credit union loan, go there and buy a cash.
	And then pay the credit union instead.
	And also financing for dealerships are always higher interest rates.
	Of course.
	They get they get a cut.
	Yeah.
	They get a cut.
	That's smart, bro.
	That's my boy.
	Very smart, bro.
	But see, here's the thing.
	I'm assuming you probably can't do that with like 40, 50k.
	Like if it's a cheaper car, you could do it.
	Yeah.
	Yeah, bro.
	That's a good idea.
	Even a credit card.
	You said that balance.
	Put it into account.
	0% interest for that entire year.
	But realistically speaking, bro, just buy the car cash and own it, man.
	Like at that point, man.
	Like just buy it, owed it cash.
	It is better.
	It's better.
	Like, why even a credit union?
	Yeah, I get it.
	The interest rate's going to be a bit lower, but why even go into the debt?
	All right.
	Uh Ken Rose says, I disagree with Fresh.
	I don't think the American dream is dead per se, or we'll die next year.
	The traditional path to get there is dead.
	First of all, the American Dream is dead.
	What is the American dream?
	White picket fence, house, family, college degree.
	Shit is over, my nigga.
	That shit's 20.
	2017, nigga.
	That shit's over with.
	Now it's more based off of freedom.
	That's the American dream.
	To live a free life and do what you want to do when you want to do it.
	That's the new American dream.
	If you don't ask if you don't care if you don't think it's true, bro, ask any multimillionaire what they're doing what the actual living living uh is like.
	Lifestyle.
	They could whatever they want whenever they want.
	Correct?
	Yeah.
	Yeah, I mean to a degree, yeah.
	So who's up next?
	Greetings, Myron, green expression.
	Blessings.
	Thanks, Ken Rose.
	Blessings, bro.
	Shout out to you.
	Edgar, I'm owned two, uh, I've owned two CLS 550 09 and 2010, and they're extremely high maintenance because they come with air suspension.
	They ride smooth, but damn, they are more high maintenance than a Miami 304.
	There you go.
	Boom.
	So our brother from Washington DC, bro.
	You look, you have someone right here that had one and he's telling you not to buy it.
	Yo, CLS is not cheap, bro.
	That's a 100k car, man.
	That's a six figure car.
	Bro, they will rate great pew with uh, you know, repairs.
	And and the fact that he's getting it at such a price, there's problems.
	24 launcher, 500 a month, 200 assurance, 5k a month, 36k miles.
	What's good?
	My high mileage beat 'em up or E class C class to pivot into.
	That's a lot of money for a fucking Lantra.
	It's a year of 24 though.
	Yeah.
	Probably why.
	Yeah, that's why.
	These brand new cars are all like damn near luxury.
	That's why.
	Bro, you can get a fucking Mercedes for that price.
	Like, what the fuck?
	Yeah.
	Okay, what's the good high beat up?
	Beat him up.
	Oh, bro.
	Get a 20 15 Toyota.
	14 Toyota.
	Class C to pivot into.
	Yeah, bro.
	Honestly, bro, like, guys, all the newer cars are gonna be map way expensive because of obviously the higher price.
	Uh yeah, bro.
	Old Toyota, bro.
	Goes a long way.
	Alright, right.
	What's next?
	What's up next?
	Toyota Cammy works too.
	Cool.
	Fellas, uh, Chris is here.
	Really informative episode.
	Very good episode.
	We're gonna go live uh on after hours here, probably within the next 20 to 30 minutes.
	So we're gonna do this most Mondays and Fridays.
	Mondays will, yeah.
	So we'll have a topic, guys.
	The way it's gonna go is we'll have a topic for you guys, then we'll open up the phone lines, answer questions.
	Yeah.
	Um, and uh yeah, and then we'll probably do this on Fridays as well for you guys as well.
	Yeah.
	Um, but yeah, fresh fit, guys.
	You guys can see here, man.
	Lifesaving information here.
	It's gonna be on YouTube.
	It's gonna be financial stuff.
	But for the fun stuff, guys, kick and rumble tonight after hours.
	So uh so we'll see you guys there.
	We're not gonna be on YouTube for that.
	You guys already know.
	So come on over to Rumble and Kick.
	Uh we'll drop the link for the streams there.
	Kick.com slash fresh it fit.
	Rumble.com slash fresh a fit.
	Those are our two URLs.
	And uh yeah, guys, we'll catch you guys over there.
	Peace.
	Peace.

▲