And when you don't watch this video, you know what to do in these times.
Let's get it.
Let's go.
Let's go.
All right, we're back.
All right, man.
So you guys know, typically we're in the studio doing money Mondays, but Martin isn't here.
The team needs a break.
So we're going to do this in my spot for some more context here.
But yeah, man, it's been a great week last week.
A lot of things came up after that six night interview.
Thanks to Marco for that.
That was lit.
Let's fucking go.
And a lot more on the way.
So this video title is actually a fact.
Now, most people are working their jobs or you lost your job.
Hopefully you didn't lose your job.
And you're probably wondering, Fresh, a recession?
No, you're crazy, bro.
What are you talking about?
But funny enough, I've been seeing things for a while.
And these things start in the car market first.
Most people, they often say, oh, bro, like, I'm doing well fine.
I'm not worried about anything.
Economy is still good.
Look at the stock market.
Yes, yes, yes, I know.
That's the thing, of course.
But look at it from a scale of what's happened with the job market itself.
And of course, cars and real estate.
If you notice, real estate is at an all-time high.
Our rates are also high as well.
Also, the car market is fucked because new cars, average prices are over 50K, which is insane, by the way.
And that's never been done before or never been heard before.
So the car market itself is in shambles because right now people are trying to get out of their cars and they can't.
Imagine you bought a car 23, 24, or 22 actually, and you bought the car at a high.
And now you want to sell it, but you're already negative equity in the car.
Let's say you bought a car for, I don't know, 40, 50K, and you want to sell it.
It's only worth like 20k now, 30k.
So you lost a bunch of money up front, of course, for depreciation.
And that's the point here.
So in essence, people are trying to figure out how to make things work, but also they can't get out of their debt.
Now, here's the bad part, though.
I have friends as well that are in tech.
And they'll always say, oh, I'm in tech, so I'm going to be fine.
There's no layoffs in tech.
We're going to be good to go.
Funny enough, my entire job staff that I was working with at Wix.com, I found out recently I saw somebody from my old job, and they told me they were all fired.
I was like, whoa.
So if I stayed in corporate America, continuing to work there, I'd have been fired about last year, and that would have been it.
So this is why I say we're in a recession.
Also, keep in mind, I was told some information from some people, pretty high up there.
Obviously, I don't want to say names, but they spoke about how things are coming down the pipeline.
And funny enough, they're investing into crypto, gold and silver, because that's where the money's at.
And also, let's talk about the dollar itself.
The dollar itself lost pretty much all its value.
But if you notice, they want to do a reset.
What's a reset?
I mean, basically, they want to change the debt from physical paper, which is the dollar, into crypto and write it off.
Pretty much that's what they want to do.
And it's actually happening in front of our eyes.
However, this is where I say, guys, this economy itself is in shambles.
I'm going to show you a video real quick that kind of illustrates this in real time because don't take it from me just saying it.
Look at everyone else living life in America and the American dream.
Let's run it.
Here we go.
Let's do this real quick.
Let's say, guys.
All right, this is a lady right here.
And this is Corporate America 101.
Sorry if you guys didn't notice, but this is going to break your balls.
Let's listen.
Here we go.
Job yesterday.
And I think that this is the reality for a lot.
I got laid off from my corporate job yesterday.
And I think that this is the reality for a lot of Americans right now.
And it needs to be shared because America is not doing well right now.
We have a 94% prediction rate that the recession is going to come.
But yet, our freaking administration hasn't even made the move to actually say that a recession's.
Now, this has been going on for quite some time.
I was told some shit behind the scenes too as well.
I went to France.
You guys know I went to France.
There was a room of people, pretty successful, high up there.
Some were in AI, some were in tech, some were in other industries.
And they were all laughing, having a good old time, talking about what was coming next.
And one of the guys mentioned that they're not buying any more real estate.
They're going to buy in gold and silver and Bitcoin.
And I was like, got it.
So I'm going to follow this because this guy, he's a fucking billionaire.
I'm going to go ahead and buy a lot more silver.
I got a bunch of silver in my crib as well.
I'll show you guys last time on my other stream.
Gold, I didn't get too much of that because it's a little bit higher on that price scale.
I could get some more gold, but I didn't at the time.
And then, of course, Bitcoin, as you guys know, Charlie Miguel tells us to get Bitcoin and Ethereum because that's where the money's at for crypto.
But of course, they also mentioned that the economy is going to be in a recession.
And this was like months ago, guys, when I was in France.
So you guys know I sold some cars.
I sold a lot of my stuff as well.
Less is more.
I'm older now.
I feel more accomplished.
I feel like when I have less stuff, I feel more mobile and I feel like I'm more like agile to like make maneuvers and get things done.
But also, a lot of real estate can also be bad too as well because the market itself is really in shambles.
But yeah, this is where people say, okay, I don't feel the pain of this recession.
What are you talking about?
You may not feel it yourself, but other Americans are feeling it right now.
So let's continue.
Coming.
And let's actually call it what it is.
A depression.
People can't afford groceries.
They can't afford rent.
They can't afford buying houses.
They can't afford having babies.
They can't afford having the kids in general if they already have them.
Yo, shout out to my nigga in the chat ridiculous, man.
Another one.
This dude right here has a bunch of gold.
Look, I get inspired by him, right?
I see stories on Instagram.
He's posting his goal.
He just bought, I'm like, what?
You just bought a gold eagle coin?
What is that, bro?
So, Digliss is in the chat, living the life.
He bought a Corvette, cash.
God has got gold on point.
And he's a big supporter of the show.
Shout out to him, man.
Thanks to Markov for him.
Supporting the show.
Thank you, brother.
We are not in a good spot, y'all.
I know that I'm just a number in a company, but I thought I was okay.
You're going to think that you're okay because you've worked there for so long where you have the right experience.
Like, you guys, I have an undergraduate in marketing, a master's.
Also, I'm not getting stopping the video, but this is very important.
Corporate America is not your friend.
Corporate America is not your friend.
Again, they are pretty much using you and your time to capitalize off of your work to make them more money.
When you look at it from that standpoint, you're right.
She's right.
She's just a number added to the totem poll.
But also, she is also cogging a machine.
And when I say this is because if they decide, you know what, we can cut corners here, save money here, welcome in AI cough cough, you're gone.
And just so you guys understand what's happening here, there's actually a chart and there's a study going on of the total job loss this year alone.
And it's over 1.2 million job losses this year.
And the year has not even ended.
Guys, you just heard me.
Over $1 million have been lost.
And if you don't believe me, look at this website right here.
It's tracking the actual job losses.
Look at these companies.
UPS, Dell, Nissan, Intel, Microsoft, Audi, you know, Chevron.
Look, we got Telecommunication Communications, Telefonico, laid off 6K people.
Bro.
Now imagine, right?
Your job is a jeopardy.
And you may say, well, Fresh, bro, I'm in the military, bro.
I'm government.
I'm good.
Oh, my friend.
No, you're not.
Actually, some people have already gotten furloughed pretty much and they're getting paid now, but they don't understand what's going to happen next.
When you get your job back, no, they're going to give you an email and they can tell you goodbye because, guys, understand what's happening here.
This is a reset that's happening.
You may say, okay, fresh, bro.
I'm fine.
The problem is, is you don't feel you may not feel it yet, but people are feeling it right now.
And it starts at the bottom, but goes all the way to the top.
It could even be anarchy.
Could people be in upset?
People saying, you know what?
I lost my job.
I'm going to loot and steal, which I don't actually approve of that.
But the point is that it'll affect you in one way or another.
Now, the layoffs are happening at an all-time high.
And you know the worst part?
The year hasn't even ended yet.
The year is still here.
We got like what?
October, November, December, pretty much, and then it's done.
But next year is going to be a pivotal moment because that's going to determine if you're rich or poor.
So fellas, this video, see what you want about.
Oh, bro, I'm fine.
Listen, unless you're digging over here with gold and silver stacked up and a bunch of money, you're in trouble.
Trust me.
Nobody's safe here.
Even your corporate job you have right now, if they decide to replace you with AI, they can do that pretty easily.
So let's continue though.
There we go.
In business, six years of paid social media experience, both on a strategist and manager level.
I have done people management for at least three years.
I'm a senior level in my career.
And yet, when I was hired to do a senior level role, I was forced into entry-level positions.
I was doing entry-level work as a senior-level strategist.
I remember coming to America, right?
Running over here.
I pull up, I'm like, I got my degree, computer science.
You know, I got a little bit of experience working on some projects.
I'm going to get me a job right away.
Yo, little did I know, man.
Oh, man.
They said to me, listen, my boy, you need to start from ground zero.
And I did.
Chick-fil-A was my first job with ATT, taking phone calls.
Then I did insurance.
And then I was applying non-stop on job indeed, monster.com.
I got a call back from you guys knowwix.com.
Shout out to them.
And got the job.
But even with all my stuff, accolades, all that stuff, what was my position?
Entry level.
Because again, you got to work for your stripes and pretty much figure out from there.
But fellas, I'll tell you this, man.
I've been holding about my power level for a lot.
I've been holding back because I always believed in showing less and doing more.
But now I feel like a burden to help you guys because I know what's coming next.
I can't say everything on camera because I'll be in trouble.
But I've been warned months ago.
You guys see me, man.
Not so much the big chains anymore.
You know, simple stuff.
And I've been really focused on being mobile and having multiple passports, being able to have access and also network like crazy.
Because I met a guy yesterday.
He dropped 100K at this club called Kiki on the River.
Nigga, 100K.
Today, I got conclusive.
And I was like, okay, put it into perspective.
People are losing their jobs.
Hella debt.
No income.
But he can drop 100K at a table like it's nothing.
He made 10 M's last year.
I'm about to make 20 this year.
He's a fan and supporter of the podcast, not a fan, supporter.
He got me a little bit lit.
I'm not going to lie.
I took some shots with a nigga.
And the funny part is that he was broke a couple years ago.
He was going through a bad breakup a couple years ago.
He watched a podcast, got it back on track.
And he's a multi-millionaire now.
About to get married, which I give him my blessings, but you know, tell him to be very careful because obviously, you know, getting married nowadays is never easy.
And I told him that, you know, we appreciate him supporting the show.
But look at the angles here, right?
One side of it is people are losing their jobs, going broke, a lot of debt.
Other angle is yacht, 100K on the table, multiple cars, lifestyle.
So there's a gap happening, or it's already happened pretty much, where it's rich and then it's poor.
The middle class is gone.
And you know, the scary part about middle class is that that's where most people want to be.
You know, you get a good job, you buy BMW, you might get like every now and then a couple trips a year, three trips a year, you go shopping with family, whatever you want to buy, you can buy.
However, there's a lot of things that people don't see that I learned myself as well.
And wealth is kind of like a yeah, it's kind of like an actual like thing where if you don't study it constantly, trying to prove on it constantly, you end up becoming like a slow-dying, like, you know, what's the word?
You end up running like on a treadmill, but you don't understand your standard level is continually going down.
You're like, oh, this is fine, it's fine until you fall off the treadmill.
That's the same thing with a financial aid status because you can start off pretty good, get middle class, but then you plateau.
You can't stop, man.
And this is why I say, man, like, it's unfair because people have advantages.
But here's the good part.
If you focus on becoming better, learning more about finance, how you can make more money, learn about AI, the system right here will applaud you and help you.
But if you just sit there and say, oh, woe is me, I got this shit.
I'll be fine, bro.
What's coming next, fellas, is going to be scary.
Actually, we did a show on 35 podcasts with Gary and Dom, and I brought up a video, what's happening in China, right?
Where there's a digital ID.
And you cannot buy, go to school, get a job, none of that shit without this ID.
And there's a social score as well.
So if you don't do what they say, pretty much it can lower your score.
And then at that point, once it's super lowered and you can't have any points anymore, you're going to be homeless.
And what do you do?
Because if I want to help you, this is what happens to me.
I lose my points too.
So no one's going to help you because they're going to fuck up their shit.
And then two, you're on the streets.
So this is why I say, like, people are having fun now.
They're relaxing, smoking weed and getting lit.
I'm telling you, bro, like, dude, this is a real issue because I'm saying this now to you guys, and I've been told this months ago.
If you guys are in my city network, I've been dropping gems in there non-stop in the Zoom calls as well.
We got to meet up in DR in December, a mastermind.
But this is where I say, like, this is all happening right now.
And people may say, oh, Fresh, bro.
Like, you're just bugging, bro.
You just do my gloom.
Well, my friend, I thought so too until I said, you know what?
Next video, you're going to see what I'm saying in detail.
But like, for now, we'll continue the video.
Here we go.
All while at the same time being asked to reduce my workload with AI, and our team was having layoffs every like three months.
I should have seen it coming.
I really should have.
But the thing is, is that it was not something that I saw coming.
Because the day before that they laid me off, I was literally talking coverage plans with another.
Do you remember when we did a podcast Monday Monday talking about how to budget?
You should have at least six months to a year in savings.
This is because this shit happens to you guys where you get laid off your job.
Okay.
Fucking sucks, by the way, but I can hold off until I get another job.
Here's the issue though.
The job market is fucked.
So another job is going to come to you when?
Who knows?
That's why I'm telling you guys.
It's scary because, fellas, if you've got a job now, don't quit it.
Don't say, oh, this is annoying, bro.
This is boring.
Fellas, stay in your fucking job, bro, because the economy is not good right now.
If you leave your job, I'm saying this right now, bro.
There's not a guarantee that's going to say you can get another job nowadays.
So I got a friend of mine, works in tech.
He was working for Microsoft and he thought he was going to bigger than the program.
He literally went ahead and said, I'm going to quit my job.
And he did.
And he wants to go to a competitor, right?
However, the competitor that hired him laid him off within three months.
And it's because AI is here to stay.
Now, he works at a pet shop with all his accolades and degrees.
But wait a minute.
He got a better job.
But for how long?
So guys, I'm telling you, man, if you got a job right now, fellas, keep your job.
Stocks are bred up because the market right now is cooked.
Employee who is going on leave for like months.
How am I supposed to sit there and not think that I'm safe in that moment?
I just think it's absolutely ridiculous that we live in a world like this where like my manager wasn't even the one that fired me, by the way.
They laid me off.
It was freaking HR.
And they read off a script.
But my whole team got laid off.
Yo, HR, my nigga?
Yo, bruh.
HR from trouble, by the way.
Okay, remember, you go to your, well, if you worked a corporate job, right?
Maybe HR department in the corner, whatever, just watching everybody like fucking, you know, with the evil eye.
You're like, what the fuck, bro?
I'm just trying to do my job.
They're going away very fast because with the new technology coming with AI, we don't need HR anymore.
Fuck y'all niggas, bro.
We good.
All we need is some fucking work.
But here's the problem, though.
HR is the bosses liaison between fires, write-ups, and telling you what bosses don't want to tell you.
And the problem is that like this woman right here, I mean, who's going to save her?
Didn't understand that HR was not her friend.
Neither her employees or her boss were her friend.
And this is why I say, fellas, corporate America is very, very much into politics.
Listen, I'm able to be, you know, what I need to be in any scenario.
This is why at my job, I was able to level up because I understand how politics works.
I understand also that when you work in corporate America, there's no like, that's my boy, it's my dog.
It's more like numbers and also who they like.
Now, they can pretend to like you, but when you go home to your family, laughing like, oh, it's Timmy over there?
This nigga's dumb, bro.
He's about to get fired on Tuesday.
He has no idea.
So these people are not your friends.
And I remember, they'd be like, hey, Walter, you want to come to drink some beers with us after work?
No.
I'm going to stay here.
I'll work later hours.
I'm going to stay here overtime because I know any day my goals are to buy property and leave here as fast as possible.
I mean, they didn't know that, but I knew that for myself.
And that's why I say, hey, corporate American man, do your job, be cool with people at work, but understand, they're not your friends at all.
And this is the reality for a lot of Americans right now.
My partner is a first responder, so I'm very lucky for the fact that I can be leaning on him for support right now because luckily his job is secure thanks to the fact that number one, his job is essential, and number two, he has a union behind him.
What I will never understand is why corporate agencies have not unionized.
I beg to differ.
Unions nowadays are compromised.
I'll tell you why.
There's a company.
I don't know if I can say the company name.
There's a company out there that actually went behind the union.
And there's clauses in contracts where you can actually go behind the union and still get fired.
So they can't save you all the time, fellas.
Just keep in mind.
Unions are great, but they can't always save you.
Just saying.
We're not allowed, right?
We're not allowed.
That's part of it.
We'll get fired because at least in this corporate world, they're always going to side on the side of business because that's what's making the government money.
This world right now is not supporting people.
It is supporting business.
You are just a number, unfortunately.
So please prepare yourself for shit like this.
I wish I would have.
I wish I'd been applying to other jobs months ago.
I just was so dumb to not realize the signs.
I want to talk about it.
I think people need to talk about it.
I think we need to make this more public.
We all saw the jobs report.
It was awful.
Getting laid off on the day that the jobs report goes out and it's 22,000 instead of 75,000 new jobs.
You know how discouraging that is?
Yeah, so this is the problem, right?
People are applying for jobs.
And I spoke to a recruiter actually, that's a friend of mine.
And she told me that there's a job position that she has for this programming position.
And she got over 3,000 applicants.
Bro, it's only one job.
Only one person getting that job.
But unfortunately, for people applying, they're going to have to get an email that says to them, hey, you were not selected for this job.
But she sent out 3,000, sorry, 2,199 emails saying, hey, you didn't get this job.
That's scary because if anyone here is wondering, okay, I have a job.
I'm secure.
No, you're not.
Nobody's secure.
Even the creator themselves.
Guys, if you actually focus on what's happening with the marketplace of AI, pretty soon we're going to have options where we can actually, I want to say, do a whole show with AI alone.
Isn't that crazy?
Like, imagine it.
Fresh for auth hours, all AI.
But it looks real.
It's coming, man.
I'm telling you.
Yeah, let's continue some more as well.
So look, I brought this up before on the screen, but this is actually a job layoff chart and some stats here.
You guys got to see because it's fucking scary, bro.
Look at the shit.
Right?
So, if you look here, we got the first company, Telefonica, 6,000 people laid off.
And that's what we know from the last update on this actual page.
Could be even more.
Accenture, right?
11K people laid off.
And fellas, this is AI-focused restructuring that is finance.
This is where people say, okay, you know what?
I have a job security in tech.
And we've been liking fellas.
Like, legit.
They told us, go to school, get a computer science degree.
You're going to be fine.
Have a job career forever.
That was a fucking lie because you can see nowadays, fellas, tech is one of the biggest ones to lay off and very fast layoffs too as well.
Microsoft, Amazon, you name it.
They're laying off by the dozens.
Sorry, by the thousands.
We got, as well, DF, Frederick Chaffin.
All these companies here are laying off.
Spirit Airlines.
Well, I mean, to be fair, Spirit at least has trouble from before, so that's probably why.
But either way, PWC is laying off as well.
Starbucks laying off, Ford, BHP, the list goes on.
But here's the kicker, right?
When this video is done, fellas, I'm going to give you, at the end of it, five things you can do to help prepare yourself because this is actually serious, fellas.
Like, all jokes aside, you may hate me, whatever.
You may hate Fresh and Fit, whatever.
If you're hearing my voice right now, there's a shift coming where it's going to be a massive reset.
And if you're not on the right side of it, you're going to be left behind.
Listen, fellas, if all else fails and I need to figure out a way out of here, I'm mobile.
I got passports.
I can go to Barbados, go to Dubai, I can go somewhere else and chill.
But can you?
Which is why I say you should have at least two passports just to be mobile.
Then, obviously, be debt-free.
I got a whole list here for you guys as well, but I'll do it at the very end so you guys can focus on the video.
All right, here's the next one.
Here we go.
This is what the job market itself was happening in real time.
2025 job market is frozen.
It's official.
The 2025 job market is frozen.
I've been saying this for the past few years, but now the data is lining up, and this shouldn't be a surprise to anybody.
Over the past three months, the job market has only added 35,000 new jobs.
That is the slowest rate since the global pandemic.
And you'll remember during the pandemic, more and more.
You know what?
Let's do a quick search.
How many people are actually in America itself?
So just to recap, what he just said.
Surprise to anybody.
Over the past three months, the job market has only added 35,000 new jobs.
So you mentioned 35k new jobs only.
Let's look up how much people are actually in America, right?
Let's say for job market.
Let's type in how many Americans are unemployed right now.
Whoa.
So we got a number here, fellas.
This number is actually astonishing.
We got 7 million people from June are unemployed.
Brother, that's not good.
And he just said, he just mentioned only on new jobs available.
35,000.
Yeah, fellas.
Don't quit your job.
Don't leave your job at all.
Stay there, nigga, because that's going to keep you further down.
Because, bro, that is scary.
And fellas, if you're unemployed right now, I'm telling you right now, bro, they are giving you unemployment if you're using unemployment.
But for how long?
This is very scary, fellas.
I'm telling you.
So let's continue here.
There we go.
New jobs.
That is the slowest rate since the global pandemic.
And you'll remember during the pandemic, more and more companies were putting people on furloughs and nobody was hiring because of that magic word, uncertainty.
And right now I'm hearing the word uncertainty a lot from executives.
Uncertainty about global wars, uncertainty about tariffs, just uncertainty about the future.
We're also continuing to see companies become extremely profitable like Meta, Microsoft.
So one thing about tech guys that people don't understand is that they are built on optimizing for investors, right?
And that means they could care less about employees, you as the customer.
You're just another number to them.
So the main goal is to make sure the investors that put money into company are getting paid back dividends or highest amount possible.
Which means at any point in time, if you become a hindrance to their mission, you're gone.
Which is why tech companies are so fast and fierce because for them it's like, okay, if I get rid of Jack, Susie, and Mary, I can just bring in this machine or this like land of code to do it for me.
And they save money.
They don't pay insurance for the Airbots.
They don't pay, you know, sick leave.
It just works for them non-stop on the clock.
And as an employer, if you're doing the same thing, you would do the same thing too.
Because think about it.
Think about this.
If you focus on maximizing profits, why hire people?
Because if I can get away with using machines and robots that can do it 24-7, why bring people in?
And that's where we're going on this economy because the job market, fellas, is focusing on AI and being optimized to the fullest.
So that's the truth of it, and it's coming very fast.
And those same companies are shedding large percentages of their people in mass layoffs.
It means that companies are laying people off, even if they're profitable, to get more profitable.
And now they can do that by augmenting the work that's been done by some humans with AI and automation.
All of this means that the 2025 job market is absolutely brutal, cooked, frozen, whatever you want to call it.
So if you have a job, I would start getting your resume ready, start networking, and really prepare for the worst.
Because in the short term, it's not getting better, and we're hitting what I would consider rock button.
So, remember BlackRock?
People were saying for a while that they were buying a lot of properties to, I guess, do a massive shift for the culture.
And the funny part is that, like, they're still buying things today, property, different investments, obviously to please their shareholders because that's what's important.
But here's what they're doing, right?
They're buying things that are necessities, which is real estate, actual businesses that help economy, like electricity.
They're buying as well data centers because they understand what's happening next.
Basically, they're going to invest into like AI.
Remember, AI has to be powered by a lot of data centers.
If it gets too hot in there, things don't work, they don't break down.
So, this is why I say all the time, man, you got to have foresight because if you can see what's happening in the future, you can predict and move accordingly to benefit for yourself and your family.
And again, this is why I'm saying, guys, right now we're in a recession.
They won't say it on the news because, oh, it's going to be bad for people.
But so, you guys have an upper hand.
Get into looking at savings for yourself, emergency fund.
And of course, make sure that you have no debt.
That's going to be very important.
So, I made a list here of things that you can do to maneuver.
Obviously, there's more I can share with you guys, and we will pretty soon.
But I'll give you a list real quick.
We'll come back to this.
So, number one, you want to have six to 12 months of savings lined up.
That's pretty standard.
I mean, hopefully, you've been doing that from before.
Things do happen though, where you have to use your money for emergency.
Things do happen, so that's fine.
But if you can't build it back up now, number two, pay off all bad debt.
Fellas, man, I had some issues, bro.
I did car business, things went pretty good at the beginning, really bad.
I had to pay some shit off, it sucked.
But again, this is where I say, like, no one knows our crystal ball, pretty much, right?
So, things happen, no one's perfect, but you need to pay off all your debt.
That's going to keep you focused, keep your mind right.
And when you're in debt, fellas, you get maybe you're not paying your debt off, you get calls about paying your debt, you get letters in the mail, it's annoying.
You want to be free, have the money tied up into investments, and not into debt.
Remember, if you're paying interest on debt, you're losing money interest for yourself.
Make sense?
So, invest into yourself and also obviously your skills.
Now, number three is going to be put money into a high-yield savings account, uh, possibly, or if you can, over 3%.
Now, real quick, I have a list here of things of things you can get into for savings accounts.
One second here, not bad at all.
Uh, let's see, here we go.
So, we got sofi coming in at 4.5%, which is pretty good.
I'm not gonna lie.
We got here as well, American Express savings, which is 3.5%.
Next bank, 4.26, and on and on we go.
So, anything over 3% is good because obviously beat inflation for a little bit.
But again, you need to pay off your debt and make sure you have money for emergencies because this is fine and dandy, fellas, but you need to have a cushion because things are hard right now.
I don't care who you are, millionaire.
I got friends that billionaire is worried about this shit.
And if they're worried, fellas, we need to be worried too because they're building bunkers.
Remember, I said in the stream, you're building bunkers underneath the cribs, you're building like these like hidden tunnel pieces because they understand what's happening and what's coming next.
Also, keep in mind, if you look at it from the standpoint of how to make money as well, when you have less things, you are able to be mobile and you don't have some responsibilities.
You can do more.
So, I think having less is more as well, but understand what's happening next.
And, of course, guys, debt itself is tough.
Paying off is never easy.
So, you can use this calculator here to pay off your debt.
What you need to actually put into it per month to pay it off.
And it's free online.
I'll just check it out.
It's calculated.net, that payout calculator.html.
And then, of course, he mentioned in the video networking, right?
So, this all the time, fresh networking is gay.
It's not effective.
It doesn't work very well.
It's very vague.
What does this mean?
Like, you say you do networking, but what does it actually mean?
And this is why I always laugh because everything that's happening, the podcast in business, politics, it's all networking.
You see, Trump's team, he has a full team of people helping him when he walks around.
It's billionaires.
Obviously, Elon Musk is there.
Sam Altman.
He has finance as well.
He has a full team of people that are a good network.
So if anything has to come up or anything has to be spoken about, hey, you handle that.
You handle that.
It's all networking.
Which is why I say, if you're in trouble, if you have an issue at work or maybe you have an issue at maybe like your business, you need help.
Who are you going to call?
Who can you call?
Nobody?
So, this is why I say networking man is essential.
And look, let's say, for example, you're in an industry where you know things go bad, but you have friends in different industries that can help you move over to that industry.
Why not?
I got a friend of mine, he was begging to car rentals here.
Um, he actually figured out that hey, it's not very profitable.
I'm losing money, I need to get out.
One of his customers that he networked with, uh, that bought a car.
Sorry, he rented a car from him one time, a Lambinieris.
He owns an actual warehouse full of Amazon products.
He sells them at a percentage, obviously, he's a shipper, whatever.
And now, instead of doing car rentals, he works with him directly and they make a bunch of money together.
So, no matter what it is, fellas, you need network.
And you may say, Oh, networking is gay, bro.
Well, how about this?
You sit on your ass, stay home, and stay broke because I don't know what to tell you, bro.
Like at that point, man, you lost it.
So, guys, that's what I recommend for networking is meetup.com.
Easy to use, pretty much.
Um, it's focused on giving you the best events around your area.
And look, you got my two searches here: cybersecurity and real estate.
When I was coming up in America, I was looking at real estate a lot, so I type it into meetup.com, hit search, and it's gonna show me what's around me for real estate, right?
And of course, not everyone's gonna be amazing, but you go to a couple events, you're gonna see what's happening.
Hey, guys, I saw the Connor Rumble is an issue, it's a glitch, don't worry, but it's fine.
And here, you're gonna see all the events are in your area for real estate.
So, again, I use this coming up myself, it's pretty effective.
I went to some events here, postmasters as well, Key Club, all these things to help me move forward.
And honestly, guys, like the right connection can change your entire life.
So, don't sleep on that shit.
And then, of course, the last one's gonna be network.
So, network is very important because that's gonna save you a lot of time and effort.
Because, fellas, right now, you don't understand this.
This is where, like, how to put this.
This is where, like, most people that have money access will help you if they like you or if they want to be around you.
And, for example, we had an issue with YouTube.
Remember, we got demonetized, whatever, lost a lot of income.
I don't know why, man, we were kind of cooked.
But, luckily, from networking, like Myron said on the last video he did, he mentioned that I had a friend that was pretty successful.
He saw what's happening with us, came through, and then blessed us with a deal.
That deal made us able to survive for a lot longer and, of course, maintain relevancy and, of course, maintain fresh and fit.
But imagine I didn't network.
I didn't make connections.
I didn't know anybody, had an issue, couldn't make a phone call.
What do we do?
Which is why I made another phone call and YouTube will be back soon pretty soon.
Praying on this shit too as well.
But that's the beauty of beating of networking.
You never know when you need help, but you need it.
Who can you call?
That's all it takes, man.
And this is why I say, man, oh, fresh boy, you're this and that.
Bro, y'all niggas don't know me, man.
I'm plugged in with everybody.
Now, when it comes to making money, I'm your boy.
When it comes to getting connections with people for collabs, I'm your boy.
When it comes to deals, I'm your boy.
But of course, I do out of love, man.
I don't take money for it at all.
I should take money for it, but I don't.
Which is why I made a Civil Network because we had lots of value in there.
And of course, meetups, of course, and of course, trips.
So go check it out.
All right.
But yeah, fellas.
Today is a chill day today.
Myron's actually doing a big collab Texas.
Go shout to him.
Go support him.
I think tomorrow.
And then we're going to do a stream after ours on Wednesday.
And I'm going to be in LA on Thursday.
And then we're going to go to Vegas on the Friday for Complex Committee Academics.
It's going to be lit, man.
Let's get into that.
We'll do some collabs over there as well.
We're going to IRL stream that.
And we're going to have a lot of people for some videos, some interviews.
It's going to be pretty dope.
And then next big guest is coming the following week.
And I can't say who it is yet, but Frank Castle Club, CD Network.
I'm going to drop it in there for you guys.
Low-key, low-key, low-key.
So stay tuned for that.
But 6ix9ine's interview was dope.
Shout out to him, man, for coming through.
He's definitely dope.
And we might be in Dubai pretty soon for Andrew Tate's fight in December.
It's going to be lit, man.
I'm looking forward to it because, listen, man, Dubai is cool and all.
But when you're with the Tates, bro, next level, bro.
They know how to party and have a good time.
So shout out to them.
All right.
That's it for me, fellas.
Short and sweet, in and out.
And this is why I say, listen, bro, less is more.
Guys, just to recap.
The economy is in the shit right now.
Now, the news won't tell you this because they're going to want to save you the depression and hassle and the worry.
But I'll tell you because it's the truth.
And the red pill is very much the truth on everything.
Religion, dating, money, finances, life.
And this is where I say, even if you say you're fine right now, look at it from the standpoint of this is going to last a long time.
Remember, this is the beginning.
It's going to get way worse than this.
Like, fellas, I just showed you all the layoffs from each company going down the list.
Keep in mind, though, that is only some of the companies.
There's way more companies laying off as we speak.
The government, they did a furlough.
And all the people that got furloughed are not coming back to work.
They're done for it.
When they get, oh, yeah, we're hiring.
We're bringing people back to work.
They get an email saying, just leave.
They're going to be very surprised because I got some information on the inside that's telling me that these people are cooked, fellas.
So again, though, just to recap, you need to focus on these four things.
Number one, you need to actually focus on having six to twelve months of savings for emergency and rainy day.
You get fired from your job, you need money to put into a business or maybe even like a side venture.
Use that money right there.
Number two, you're going to have to have, make sure all your debts paid off.
That's going to give you mental clarity.
And this is the freedom you get from being debt-free, fellas.
Like, when I was debt-free, fellas, I bought a property, bought myself a Rangeover.
I had a great life.
I have money left over.
I could just do shit that I wanted to do.
No burden of like credit card debt or like, you know, bad debt.
And I was happy as fuck.
Like, I was super happy.
I was living the dream.
But when I'm in debt, I feel like it's always on my mind.
I owe somebody.
And even now, like, I'm not fully paying off all my debt, but I'm going to get there very soon.
When I'm done paying off my debt, man, which is a month or two, I'll be back to normal.
So again, things happen, fellas.
No one's perfect.
But once that's paid off, back to races.
So for you guys as well, pay off your debt, man, because it's very important.
Number three, put money into Haiel Stevens account, preferably the ones I showed you before.
Just to recap real quick, here they are.
You got SoFi, American Express, Next Bank, pretty good.
And as well, fellas, network.
This is very important.
I can tell you all day, focused on, you know, making money, all this stuff.
But if you make a lot of money by yourself, what are you really doing?
Like, if you can't share with other people, connect with other people, make connections and make things happen for yourself.
What are you really doing?
I got a friend of mine.
He's got a deal.
He met one of my friends back in the day.
He said, hey, bro, I'm on this contract.
What should I do?
Made a phone call.
Million plus in a deal.
All because of a connection.
And that's what I do, fellas.
Like, people need help.
They call me.
You need something done?
You need something?
Oh, I can call so-and-so.
I got it.
But that took me years of meeting people, making connections, building trust, relationships.
Which is why when I say someone's terrible or someone's a bad person, because I know them intimately in a way that I see their piece of shit.
Let's take a button.
Listen, fellas, you got to focus on networking.
That's very important.
All right.
I'm out here, guys.
If you guys don't mind as well, go support your boy.
I got some stuff coming on the pipeline as well.
Free, of course.
Free, of course.
But this is going to be second here on this page.
Fellas, my Instagram is back up.
I'm focusing on bringing this page up because my main page is gone.
But if you guys don't mind, go follow your boy here.
We're dropping reels every day on this channel.
Shout out to Brett on this Instagram.
It's going pretty good with the reels popping up.
We're now at what?
We're at what?
How much?
How much?
Oh, you can't see here.
We're almost on a million views right now on my new Instagram page.
So go check it out if you guys don't mind.
Follow your boy.
I post cool stories here as well.
And the podcast, of course, 35 podcasts is here every Tuesday, Thursday.
We got one tomorrow with a special guest.
And then Thursday with a big guest.
I can't say what it is yet, but you'll see on Thursday.
Anyhow, guys, I'm out of here, man.
Peace.
Much love to you guys.
Hope that guys helped you with some information there.
And guys, remember, we are in a recession.
This is not a joke.
It's not a drill.
It's a real thing happening.
I've known for months this is happening.
I told my guys it's happening for months so they can prepare.
But now you guys know as well what's happening.
Be smart about it.
Don't be dumb.
Your family's depending on you.
So yourself and your family.
It's very important, fellas.
And last thing, last but not least, fellas is like, look at it from this standpoint.