The Top 5 Things To Get Your Finances In Order In 2026 STEP BY STEP
Join castle club for extra content and zoom calls with the guys: https://freshandfit.locals.comShow more Tikok: https://tiktok.com/@freshandfitreturns
https://tiktok.com/@fedreactsx
IG: https://instagram.com/freshandfitreturns
Merch Store Available HERE: http://Freshandfitstore.com
Listen To Us On Spotify: https://creators.spotify.com/pod/show/freshandfit
⏲️ TIME STAMPS ⏲️
0:00 : Preview…
2:00 : New intro🔥
2:45 : Show begins - Topics for today
4:00 : ICE did nothing wrong🙅🏻🧊
5:00 : Top 5 Things To Get Your Finances In Order In 2026
8:30 : #5 - Increase your income as much as possible
14:00 : #4 - Gain as many assets as possible before 2030
15:50 : CLIP - The only 5 place to put your money in 2026
20:20 : Stop worrying about the markets going down
22:00 : #3 - Pay off high interest debts
24:30 : Fresh had $500k debt in his car business 😯
26:30 : Storytime - When Fresh got hit by a g@y dude👀🏳️🌈PAUSE!
29:40 : Which debts should you pay first?
30:30 : Honourable Mention - DO NOT buy a new car 🚗❌
34:50 : #2 - Build emergency funds to counter AI & job loss
36:20 : CLIP - Why you need a 5 figure Emergency Fund
40:00 : Myron saved his uncle’s life in Sudan because he was financially prepared and had an emergency fund.😯
44:50 : #1 - Budget cuts
45:30 : CLIP - 22 y/o woman has $100k+ in debt🤦🏻
48:00 : New Tiktok Trend - Pay Off My Debt💰
50:00 : Top 3 things that effect your credit score
52:00 : Myron & Fresh shows their credit score & history
55:50 : If you buy things on cash, you are an IDIOT🤦🏻
58:00 : Chats…💬 - Should you move in with your friend to manage your finances?
1:00:20 : Best way to utilise a VA loan?
1:01:00 : Should you let your girl come over whenever she wants?
1:03:00 : Pro Tip for AMEX Card holders💎
1:03:50 : Fresh did a collab with Rampage & this happened👀🔥
1:04:15 : “I made $400k without investing in Real Estate”
1:06:00 : F**K AbaNPreach🦧
1:07:30 : Advice for 16 y/o who wants to become a pilot
1:09:30 : “I collect $9k/month after retirement, what do I invest in?”
1:11:00 : Live in a house for free & save your money
1:14:00 : Should I move to Thailand to earn more?
1:16:30 : Business credit card don’t reflect on your personal credit
1:17:10 : You don’t need a 800 credit score
1:18:00 : Outro | See you in Afterhours Show less
We are going to be talking about five ways to get your money in order for 2026.
Let's get into it.
Let's go.
All right.
What's up, guys?
Welcome to the Fresh Podcast, man.
Money Monday.
We got it back.
I know some of you guys are probably wondering, hey, why don't we have Roger here?
Roger is going to be here probably, not next week, because we got a guest next week, but it's probably going to be the 26th.
He's handling some stuff right now for me, guys, legally with one of my properties, which, you know, actually, it's going to end up being a really good story for you guys, a telltale, a cautionary tale.
So it'll be, put it this way, you guys are going to have more information.
I learned something big from this situation that we're dealing with right now, but it's good because it's going to be a learning situation that we could put out.
Real estate seems very simple, but it could be very simple.
It's a lot of work, dude.
A lot of work.
Especially once you start getting more doors, it starts to become extremely time consuming, right?
I got a manager.
Roger handles all my stuff.
But yeah, we'll go ahead and show you guys some of the mistakes.
Top 10 things we learned from buying real estate, managing real estate, things that you should be looking out for or not be looking out for when you're making a purchase.
Things that could be, you know, getting tenants later on, tenants out of your crib, getting tenants out, all that stuff, dude.
I've dealt with all that bullshit over the past couple of years.
So, I'm really excited to finally bring that information to you guys.
But it's going to be a very thorough show.
So, don't worry.
He's going to come with the numbers and everything, and it'll be good.
And sorry for the delay, guys.
I was in an X Space debating with Dan Bilzerian about this ice shooting situation.
So, obviously, I didn't want to run like a bitch because I was literally about to get off as he joined in the space.
And, you know, we had a discussion on that thing.
Obviously, as you guys know, I already gave my position on that whole shooting.
It's a clean shoot, no matter how you slice it.
People are getting offended and making moral arguments, but that's not really what matters.
What matters is what is a reasonable shoot from under the eyes of the law.
And that's what he's going to be judged under, you know, for the most part.
And the reality is, yeah, you know, I mean, the Trump administration thinks so.
Many law enforcement officials think so.
You obviously got some okies out there that are pissed off.
Like, oh, this is so bad.
This is a travesty.
He murdered that woman.
Well, you know, don't go ahead and run into people with cars.
A car is considered a deadly weapon.
So, you know, any way you slice it from a legal perspective, he's pretty much going to be covered.
But hey, it is what it is.
You know, a lot of moral arguments that were made, but from a factual basis, it was a reasonable shoot.
And that's what he's going to be judged on.
But yeah, today's episode obviously is on the five things that you need to have in place for 2026.
Shout out to Fresh for cultivating a majority of this list.
It's a brand new year, man.
You want to give them a quick little thing on.
Of course.
So, guys, we've been doing this show for five years now, Monday, Mondays, basically.
And people have been always answering the question: how do I do better, make more money, and still save for a rainy day?
However, most of the time, you guys see us in Miami, you know, doing our thing, but you don't see how we budget, how we save, and how we actually, you know, we invest all the time.
Obviously, on the show, despite the fact that we've been demonetized for two years.
Yeah, yeah.
Guys, no other YouTube channel would be able to exist the way that we've been able to exist and survive without AdSense.
We haven't just been able to survive.
We've been able to thrive and really, you know, make the show better despite YouTube turning off demonetization on us because they're bitches, but that's a whole other conversation.
And when I started budgeting, I thought I was good.
No, no.
Myron's got tier.
I'm not a close to Myron, bro.
I don't even budget.
I just don't spend a lot.
When you don't spend a lot, you don't have to budget.
There you go.
That's my way.
It's like kind of retard proof.
Because if you simply don't spend, if you spend less than you make, then you're going to be fine, right?
Budgeting really comes into play when you're trying to, you know, take your paycheck, I guess, to the max, which for me, I try not to do that.
I try to spend very little on my personal stuff.
If anything, it's just for the show and make the show better.
But yeah, dude, I mean, most YouTubers wouldn't be able to exist.
But hold on.
For you guys watching, though, the average Joe Smo, just like us, because guys, make no mistake.
We're still human beings as well.
We still have the same issues, the same problems, but a little more finesse.
Anyhow, the point is that right now what's happening with AI and job loss is crazy.
I got friends in tech.
I told you guys this before.
They have the master's degrees, all these qualifications, and they're getting fired day by day.
And getting a job is hard because, guys, the industry is cooked.
There's at least a clawed code program that's going to eliminate most programming jobs.
So, I mean, this is crazy, guys.
Like, by any means, tech always leads the industry.
Bob is next with tech is other industries as well.
So, you got to budget from now because you don't budget for now.
You need your job.
What are you going to do?
You know what I'm saying?
So, fellas, we got five things we could cover here today.
You and Gary said people only got like, what, three years to make as much money as possible?
In 2030, we're all cooked, bro.
Okay, look, remember TikTok was booming, right?
With creators, you can go to TikTok, make a video.
You get paid a dollar per view, pretty much, right?
Yep.
You know how much you're paying now?
Per view?
20 cents.
Because you can automate content now.
Yes.
And also, I've seen a lot of AI channels pop up on YouTube and shit.
I'm in rooms with people that I shouldn't be in.
No, I can say a shit because I'm not trying to.
YouTube is cooked, bro.
I'm just keep things transparent.
I can say shit now because I'm free, but even YouTube itself is doing AI automated checks, which means with the algo, it's no longer humans saying, you know what, this bypass is like an AI robot saying, okay, this is AI slop.
I think it is, ban it, terminate it.
So, guys, even content that may be considered safe, if it's considered AI slot, is gone now.
So, they're banning a lot of YouTube channels for that show.
The whole system itself of social media and online money is changing day by day.
So, nobody says, Vellas, not even the guys you see at the top, because their shit could fall on tomorrow.
But to make things more hopeful, with some things today you can do to kind of prepare for this, right?
So, number one is going to be pretty much rudimentary, and it's increasing income as much as possible.
Now, we're counting that for five to one, right?
Five to one, yeah.
Okay, so five most important things.
We have videos also display this as well on the show, but we'll just keep it for this one, no video.
And it's because this is very important: income, guys, is very important for everybody, whether it's the rich, poor.
Well, middle class is gone now, but you get the point.
And it's because, guys, without money, we can't survive.
And ask anybody that's ever sick or has an issue that they can't solve.
Most of the time it's money that's going to solve the issue.
So, you're asking the question, how do you increase income?
Well, we do a show called Money Mondays every Monday talking about things you can do.
There's e-commerce, there's our boy Alex for the land flipping.
Many options you can do.
However, the most simplest one we found that works very well, people, is Uber.
Now, Uber Eats is one thing as well, but Uber itself is pretty good because, guys, I did Uber back in the day for two years, actually.
I did Uber and my job.
So, if Fresh, you didn't do Uber.
I definitely did.
Now, mind you, I had three jobs.
I had Chick-fil-A, AT ⁇ T, and Uber.
So, I created income for myself because I realized one job was not enough.
$7 an hour?
Yeah, bro, I can't survive off of that.
Even though I was ordering Chipotle every day, it wasn't really money I could save from after that.
So, I had my two jobs and Uber.
So, you're fresh, bro.
Uber's beneath me.
Well, my friend, guess what's also beneath you?
Being broke, having enough income.
So, Uber is one thing I could recommend.
That's pretty easy.
You have a car by 20, I think, 2020 and up, you should be good to go.
It's five years down, I believe, or seven years down.
One of those two years, but anything below seven, five years, you should be good.
At that point, sign up for the app and drive.
Now, I'm gonna say doing it all day.
No, I'm saying doing it during, especially during holidays.
You can get 10x or 5x the actual pay from Uber, but also look at weekends.
Everyone wants to party and they want to drink.
So, what does that mean for you?
More money because if they're drinking, they don't want to drive.
So, I'm just saying, guys, as an extra step to make some extra income, you can Uber as well.
I have two more, but I'll let you add into this as well with one more point.
I mean, the thing is, a lot of you guys don't have a saving problem.
Well, a lot of you guys do have a saving problem, but also it comes down to having an income problem.
You have to make more money, bro.
And in today's day and age, with the way things are expensive, we got instability all over the world.
The U.S. dollar, you know, is no longer the Titan that it once was in a world stage.
You know, we see financial institutions buying more gold.
Whenever they buy more gold, you see the price of gold been going shooting up this year.
That tells you that things are not as stable.
Whenever gold goes up in precious metals in general, they're talking about invading Greenland.
Obviously, we just went ahead and went into Venezuela.
Yes, there are going to be some short-term benefits, economic benefits for us.
But long-term, this is absolutely going to.
And the reason why they invaded, by the way, also you guys know, is because the hegemon of the U.S. dollar has been challenged.
That's why we did.
So, the only thing that you can really do, guys, at this point is take these next couple of years to earn as much money as you possibly can.
That means working two, three jobs.
Do it.
Okay.
You have four years left, by the way.
Yeah.
Like, yo, former, fellas, fellas, there's an economy where people are so above the grade where, like, they don't have to work anymore.
But us, bro, we have four years.
Think about it.
What was the American dream?
White picket fence.
Yep.
Nice house.
You and a wife and two kids.
Right?
Oh, it's American Dream.
Yep.
A great job.
You could pay for your mortgage, get a car or two for the family.
Qualifications.
Now, what's the American dream?
Just surviving, my nigga.
Like, yo, dude, nigga, Ramsey, this shit's real, bro.
Like, imagine this, right?
People can't even afford to pay for their cars anymore.
The repo rate is so high now, guys.
It's times five or used to be in a recession.
So imagine end of this year.
And by the way, here's a hat they call the Klarna hat.
You know, you know what the hack is?
A Klarna?
Yeah, it's a TikTok going around where, like, you can get someone's social security number, make it count under their name, and max out the Klarna account 10K plus.
So it's a hack, so to speak, bro.
You're going to go to jail, man.
Like, nigga, that's jail time, bro.
Like, all tokes aside, bro.
You're going to jail, bro.
Remember the Chase Bank app?
They'll be like, oh, yeah, I'm going to glitch.
Use a mix.
Oh, yeah, yeah, yeah.
When they were doing that play, I remember that.
Guess what's happening, bro?
Really, nigga?
Niggas are in jail now.
So listen, all these taxes guys are doing, bro, won't work, bro.
It takes hard work and responsibility and discipline to make more money.
Remember the dudes that went to jail for the EDD?
Yeah.
Niggas made a song called EDD, bro.
PvP loans.
Yeah, man.
Guys, you may look good in the moment.
Guys, that show is hilarious.
Guess where they're at?
Yeah, I mean, popping bottles, getting yachts.
Yep.
For how long?
Niggas got cooked.
Four months, five months, and then Feds got them and then they're gone.
Cooked.
So, fellas, all these taxes online, put them a try, bro.
You're going to go to jail, nigga.
Now, all I'm saying is we got a limited amount of time left.
So, listen, girls are always going to be there.
Actually, better yet, when you got money, bro, guess what's going to happen?
You know what to talk about because where do they go?
They're homeless, nigga.
They need some food.
Hey, bitch, you want some food?
Get on your knees.
I'm just kidding.
I'm just kidding.
What the fuck?
The point is, bro, they're like, yo, you want the power?
Here's a chance, bro.
You got four years left to do this shit, bro.
So keep that in mind, bro.
Just saying.
Yeah, crazy.
But yeah, guys, earning problem is a big issue for most people.
I mean, a lot of you guys have saving problems as well, but it comes down to an earning problem, man.
Yep.
All right, number four.
All right.
Gain as many assets as possible before 2030.
Now, fellas, real estate used to be our main thing.
Gunhole, buy real estate, no catches out.
Still is for me.
But yeah, you know, you got to be nuanced about it, too.
But you need money to survive.
Because, okay, I get what you're saying, real estate because it's easy for us to get into, but to maintain for a period of time, for long periods, you need money, bro.
Yeah, for shares, issues, bad tenants.
You just don't know what could happen, bro.
Like, it's unpredictable.
Yeah, you got to have a reserve.
Like, Mercury's Law.
For, you know, for fixes, for tenants not paying rent and all that other stuff.
Because, um, yeah, dude.
It's, yeah, there's a lot of headaches that come your way.
Bro, I had a roof issue, right?
I sent someone up there to go look at the roof.
I need a whole new roof.
Yeah.
That was 12.
10 or 20k.
Easy.
That was 12K.
A roof.
Yeah.
I got a discount because I knew the guy.
Yep.
So, bro.
Imagine.
I just pay like 20 for mine or 20 or 30, bro.
Really?
For a roof, yeah.
You should call me.
Call me, nigga.
Yeah, well, it was here.
But look at this.
Imagine you just bought a house, bro.
Your last month, money.
mom and dad we got a house we're good to go plumbing issue Roofing issue.
Yeah.
What are you going to do?
Remember, no, you're the landlord.
You got to pay.
So I'm just saying for assets itself, start where you can actually manage it because maintaining assets is not easy, especially real estate.
No, stocks, I'm saying, crypto, so to speak, these are more like, I would say, less of a burn.
But again, property can be costly.
Now, I got a video to play here as well with the assets.
I believe the one Bills behave there is in the chat.
Let's see real quick.
For number four.
Yes.
This one here is from our friend on TikTok.
And he goes through five things you can put your money into now to survive this coming crisis.
Here we go.
The only five places to put your money in 2026 once you get your paycheck.
My name's Steve.
I'm a former public school teacher, turned millionaire, now teaching finance.
And guys, I made a tweet earlier today, right?
On X.
I mentioned some funny things there.
But one important thing I put there was learn like an agent.
Listen, fellas.
I know a lot of Asians.
Nigga, they're all rich, bro.
They're all rich.
Now, mind you.
I'm going to be black.
But coming very soon, we're star four with your boy starring, Jackie Chan.
All right.
All right.
It's online, so you don't have to pay for it.
First, I would only put enough money into my checking account to cover for two months of expenses, nothing more than that.
Two, I would use any of these tools here to keep track of my finances and put away around $500 a month into a high-yield savings account to build at least a three- to six-month emergency fund.
These are the ones that I like right now, or you can call in savings and I'll send you my favorite ones for this month.
And if my company didn't have a match, I would most likely skip this step.
For I would open a Roth IRA with any of these brokerages and contribute around $500 a month and invest it into a low-cost index fund.
VT Sachs: Index Funds Explained00:05:19
These are the ones that I so there's some index funds here that we have as well.
I'll tell you guys what I use right now.
Let me open up my brokerage account right now.
I'll help you guys out with this one.
And Voo is the tech one, right?
Vu?
Vu, I think, is the SP 500, if I'm not mistaken.
And VT Sachs is again, okay.
So, you know, we need to do an episode for them on index funds and ETFs.
Maybe that'll be after Roger.
Yeah, we could.
Because it's been a while since we've done an episode for you guys on that.
So, look, guys, there's many different brokers that you can use: Vanguard, Fidelity.
It doesn't matter what brokerage you use.
What you do need to know is invest in an index fund, right?
Because index funds, man, just you're a computer.
Yeah, it's reliable.
Computer does it for you, right?
It does better than a lot of these financial advisors.
Nice and simple.
You could just kind of set it and forget it.
And what I have right here, so let me, I'll literally show you guys what my portfolio has in here.
I have in VT Sachs and Vu.
Vu, and this is for Vanguard.
But there's going to be Fidelity.
There's going to be all these different ones that have their own code for something that follows SP 500 and something that follows the entire stock market.
That's what I have.
I have, I think, VT Sachs and Vu.
Let me pull it up here for you guys, but you were going to say something?
Yeah, but also, guys, he mentioned before high-savings accounts.
Guys, putting money in bank is an L. At least you can get up to 4% max on your money in Hyu Safers account.
And guys, just have one, bro.
Like, putting all the money in bank is pointless.
So I have Vu, which is Vanguard SP 500 Index ETF.
And then I have VT Sachs, which is Total Stock Market Index.
So that's what I, those are the two things I invest in because they're very safe.
Because SP 500 is the top 500 companies.
In America, think of it as like you have an assortment of all the top, like if you were to look at it like physically, the SP 500 is like a cookie, like a mix and match of all the top cookies, right?
If one cookie starts to do bad, it doesn't matter because that decline is going to be absorbed by the others.
So it's a very stable thing to invest in because if, bro, if the SP 500 crashes, bro, we're cooked.
That's the top 500.
We got way bigger problems.
This is zombie apocalypse, probably.
And then VT Sachs is the entire stock market.
So these are things that, you know, you're typically going to get easily a 10% return, historically speaking.
Yeah.
Imagine put your all-wheel basket and it drops.
Yeah.
At least this one has many more baskets.
Yeah.
So I do SP 500 and the total stock market.
I think those are the safest ones that you could put in.
Put in, you know, a couple hundred a month, whatever you can afford.
That's not going to make you lose sleep over it.
And, you know, just kind of let the and then reinvest the dividends.
That's another big thing.
Reinvest the dividends, guys.
Do not sit there and invest and be like, yeah, let me go ahead and take the profit.
No, reinvest all the dividends and you'll thank me in about 20 years.
Yep.
And what's the next one?
Oh, no, sorry.
We're almost done here.
Oh, yeah, the video.
Yep.
Invest in my portfolio, but you can invest in whatever you're comfortable with.
Five, I would open a taxable brokerage account and repeat the same exact steps in step four.
And if this video helps in any way, like and follow so we can have a safe place to learn about money together.
All right.
These are shout out to him.
Nothing will go wrong with the SP 500.
Exactly.
And it's safer.
Yeah.
Because, guys, property, man, as you know, bro, it could be very expensive.
So just to be on transparency with you guys, yes, property is amazing.
Tax benefits.
Obviously, you know, write-offs is amazing.
And also, treat it like your crypto portfolio, man.
Just put the money in and don't look at it, bro.
Because if you're going to be looking all day in there, you're going to get anxious and shit.
Like, bro, just put the money in and set it and forget it.
Yeah, set it and forget it, man.
Like, I have it where every month it takes out a certain amount from my checking that goes, a portion goes to the SP 500, then another portion goes to the total stock market index.
And that's it.
And I just kind of just sit there.
And look, when the stock market goes down, it's all going down, bro.
You're going to be stressed and seeing all the red.
But just invest and let it and set it and forget it, bro.
Because, you know, we know the SP 500, very, very predictable, very safe.
We're talking about a 10% return pretty much in general.
Also, guys, we're on Spotify as well, man.
The link is actually in the chat on Rumble.
Go falls on Spotify.
Yes.
Your car, your trucker, you go.
Listen to us.
Thank you for saying that.
That's very important.
We are now back on Spotify, guys.
Mo is uploading every single day.
Yep.
Okay.
After the stream, he's uploading it right up to Spotify.
So if you guys want to listen to us, et cetera, we're going to be everywhere.
And you guys will be able to find us.
The old Spotify, I don't think it works.
So we have to make a new one.
New one.
Yeah.
Yes.
We have a new one.
And the link is below.
All of our links.
Oh, merch store as well, guys.
Merch store is up.
Can we accept payments yet, bro?
Yeah.
Now we can accept payments.
So go ahead and get in that merch store, guys.
You guys want the FreshFit merch, a lot of the historical stuff.
We rebrand, redid them.
And we got a new store.
So make sure to go ahead and get the merch over there, man.
But we're taking over 2026, man.
We're not getting around.
We're working hard this year.
We're going independent this year.
We're going hard as independent, bro.
So this year we're taking over.
But Spotify, we're there for sure.
Whether YouTube decides to work with us or not, we can't delay much longer, man.
We can't.
We just said, you know what?
Screw it.
It is what it is.
We got to cook, man.
We got to cook and we got to help you guys out.
Yep.
So that's what we're here for.
Hard Money Loans Dilemma00:12:27
Four more years left.
We got next, payoff or pay down high interest debt.
Now, guys, that is something that can be used correctly or incorrectly.
Acts Dave Ramsey.
He knows very well.
But of course, it's Nick Ramsey.
We'll tell you the truth as black men.
So listen, bro.
Debt itself is not a bad thing if you use it in the right ways.
Now, most people use a credit card debt, personal loan debt for dumb stuff.
I've been there before.
You know what I'm saying?
I bought a motorcycle with some personal debt, not smart.
A credit card with some dumb shit too.
But I feel trapped.
You have bad debt, bro.
You feel like you're like, a weight is on your shoulders.
You feel like you can't breathe because the money you would have spent otherwise is going towards debt.
Now, when you're free, though, financially free and you're debt-free, you can focus on investing, putting money aside for yourself, and even vacations if you want to.
But again, guys, going on vacation when you're in debt, nigga, that's stupid.
Actually, it's not smart at all because now you're going further in debt because you got to buy food, hotel.
So I've got friends, man, that have pretty good jobs, but a lot of debt.
They travel all the time.
I'm like, you're Tulum here in Mexico?
Why are you here?
But again, they want to have fun.
Girls, I get it.
The problem is, fellas, is at some point you reach your max threshold for your debt.
Interest is going to accrue and it doesn't stop very easily.
So let's go ahead and kind of give them a priority of like what they should be paying.
So number one, guys, is if you have debt, right, you got to prioritize it as to like what the best thing to attack is.
First is going to be hard money loans.
Those tend to be the most predatory.
Those tend to have the highest interest rates.
Pay that off first.
Okay.
These hard money loans, they make the interest rates extremely high on purpose.
Do your best to pay that off.
I don't care if you got to fucking take a loan from somewhere else that's at a lower interest rate to pay that off because a lot of these loans are extremely predatory.
And they go after a lot of the time.
And, you know, they tend to be given to people that have bad credit, whatever.
So that's number one.
You want to take that out first, right?
Hard money loans.
Second, I would say it's credit cards.
Credit cards tend to have anywhere between 17 all the way up to damn near 30 plus percent interest rates.
You want to pay that off next.
Then would be well just add credit cards.
You can pay a minimum amount to keep it stable on, I would say, relevant because a hard money loan, if you don't pay exactly in time, you're going to screw you over.
Yeah, for sure.
Credit cards, you can pay the minimum amount and skate through a little bit.
Yeah.
By somebody, you got to pay it off.
Yeah.
So in order of paying off, hard money loan for sure.
Yeah.
After that, it's credit cards.
Then what would you say is third?
Car debt.
Oh, yeah.
Guys, okay, okay, go ahead.
Yeah.
I got cut.
Hold on.
This is some factual stuff here, man.
Take it away.
It's not a car business, right?
It did pretty well for a little bit.
But as car prices go up and down, things happen.
Bro, I had the kids or knock, fellas.
This is me being transparent here.
That's all my earnest as well.
500k in debt, my car business.
And I'm going to pay it off this month.
Finally.
Fellas, it was bad.
Owning cars, warehouse, it's a lot of shit, bro.
Now, mind you, I failed at the car business.
However, I learned so much now.
If I do it again, what happened again?
But keep it in reality, guys.
You want to tell it was like a car rental business, right?
Car the business.
I did it also exotic repairs, everything.
But low-key, I learned so much about cars that now I won't get fucked over ever again.
Now, mind you, I'm a nice guy.
People took advantage of me, of course, but it is what it is.
But now I know what to do.
I'm way better off.
However, what I do, I lower my expenses.
I pay that off slowly but surely.
And I spent last month paying off this 500K of that.
Now, mind you guys, if I was done with money, like fully done with money, I'd have been cut because remember, I got paid for my regular stuff plus that debt.
So here's why I say like car debt itself is bad because it's a sleepy slippery slope because it starts off.
Okay, I got the car.
Great.
But repairs, issues, and guys, not to mention the payment.
The payment itself stays with you for a long time.
Now, I don't know you guys, but like when I get a car, in a year or two, I want a new car.
So at some point, you're going to want a new car.
And then what are you going to do?
Roll over that money to a new car and add onto it.
So you would say hard money loan.
Yeah.
Credit cards, then focus on getting your car paid off.
Yep.
Sure.
Even if they got a favorable interest rate, you would say if it's below.
Yeah, give them parameters of one that should price.
4%, you got a really good loan for that.
But mostly they're over 7%.
So either way.
So anything over, so the trigger point for you.
7%.
7% or above.
Now that thing is in the hierarchy of payoffs.
100%.
Okay.
Yeah, but guys, again, cars are honestly not that special.
I'll tell you this, bro.
I've had every car you could think of.
And you know the worst part?
You can drive your car down the road, right?
And then you get hit by somebody.
Your insurance goes up.
Nigga, how about you three?
Yo, it happened to you twice.
Nigga, bro, Go ahead, tell them, tell them.
I'll tell niggas what's what's up, right, bro?
They're telling us about zotic cars, bro.
This is actually real shit.
I'm going to shorten my car, right, bro.
We're going to the gym.
I get hit in my ass to Martin.
Nigga, my car's down.
Mind you, I still got to pay for the car payments and the insurance, even though I'm driving the car.
It's been a month and a half now.
They're repairing it, whatever.
Guess what happens?
It wasn't even my fault.
I was going straight.
That's your post on Twitter.
You guys follow us on Twitter.
And this guy in a rider truck hit me from the side.
Mind you, I got back paying nigga.
I'm like in shock.
I'm like, bro, this can't be serious.
Mind you, that's one car.
The Lamborghini Venture.
My first week getting the car, bro.
I'm on the South Beach to meet.
Who's going to go meet?
Somebody for a stream.
I remember that day.
Yeah.
And bro, a literal, I'm gonna say the word.
Gay nigga.
No, you're not.
Coming from work.
Smacks into me, bro, from the back.
Pause.
Pause.
Big pause, bro.
And I'm like, nope.
Bro, this thing is serious.
This might be a joke.
So I'm like, you know what?
All right, bro.
You know what?
I'm going to stay.
Yeah, we need it.
Yeah, have that shit ready to go.
I'm going to stay calm.
You know, I need that shit a lot, Dak.
I'm going to stay calm and come post nigga.
I'm furious, bro.
But you know, if I like a nigga, bro, I'm all.
So I'm like, Calculum!
Pom!
I didn't do that, though.
I'm like, sir, I understand.
You know, no problems.
I'll fix it and your car.
Don't have a stress.
Because, you know, if I call the police or whatever, where's my insurance?
His insurance.
And so limited car is 500 a think in production of an SVR or 600.
Anyhow, guess what he does?
I'm scared.
Calls the police.
I'm like, bro, nigga.
I'm fixing your car for free, bro.
What are you worried about?
Anyhow, I hit Lamborghini.
I'm scared.
See, get to happen.
There's my insurance.
And I got a car factor on my car now.
So when I go sell it, I lose $140K.
Bro, nigga.
Fellas, nice cars.
And that was SVJ, right?
That was the SV.
Nice cars are amazing, bro.
But like, the things that happen to those cars, bro, could really mess you up.
So listen, I'm just saying with cars, fellas.
An accident can mess up your entire car investment, so to speak, just from one person being dumb.
And not to mention my motorcycles, bro.
That was even worse.
Girl's drunk.
Ran a light hit me.
So I'm just saying for cars, man.
Like, focus on getting a car that works for you.
Working back.
Not crazy because, guys, it could be a really bad investment if you get hit or something like that.
So, yeah, cars are whatever at this point for me.
And I'm glad that we got, oh, we got 3,000 of you guys in here for Money Monday, man.
I appreciate that, guys.
So, guys, like I said, bro, we're going to keep giving the value.
Like I said, I know that these shows don't typically do the greatest, but I've noticed that this creates the greatest impact.
And, you know, some of this advice might really help you guys out.
So, going back to the priority of paying things off.
So, number one, high interest, hard money loans, right?
God forbid you have to take one out, but we understand all of us end up in situations where we might need to get ourselves out of a vine, right?
Second is credit cards.
Third is a car if it's over 7%.
Yes.
Right?
Yes.
What would you say is after that?
After cars, maybe like personal loans.
Actually, personal should be before cars, actually, because if personal loans has a high interest rate, it depends on the interest rate.
You got to really go off interest rate.
Yeah, rate.
Interest rate typically dictates, but in general, these things send it.
Hard money loans almost always have the highest interest rates.
And then credit cards, then your car, if it's over 7%.
Before you buy cars, well, guys, please don't buy a new car.
Okay, listen, niggas.
I know I stutter sometimes, so you don't understand what I'm saying.
Understand this, bro.
A new car will fuck you up, bro.
Because you know what's going on with new cars?
Did you just buy an old car cash, bro?
Is that the best move?
The cheapest new car, average, is 50K.
And that's a Toyota, Honda, Hyundai.
Bro, you're cooked.
So imagine you're going to be paying for that car for five years at an 8% interest rate plus insurance plus incidentals.
Guys, that money could have been put into SP 500, real estate, or even a single stock.
Crypto.
Crypto.
Whatever.
Fellas, trust me, I've made all these mistakes.
I tell you guys up front, don't do it, bro.
New cars are terrible, bro.
Don't get a used car.
Used is the best.
A pre-owned used car that's been tested.
So what's the ideal situation?
Buy it cash or buy it with a loan or if you could pay cash, amazing.
You're in the best spot possible.
You just did something that most people can't do, and you have no car payments.
You're free.
If you go and get Carter with a loan, then you bring a mechanic, of course, for both times.
You bring a mechanic with you for the cash car and the loan car.
But with the loan car, make sure because, again, if you buy a car with a loan and it's issues with that car, bro, you're going to pay car interest.
So, even if you buy from a dealership, bring the mechanic, even if, because you never know.
Okay.
So, yeah, it's a good car.
And then a week passes by, something goes wrong with the alternator.
What are you going to do?
You already bought the car, bro.
Yeah, fair enough.
So, um, and then I guess college loans are probably going to be at the bottom, chat.
Yeah, your college loan debt that's going to be at the bottom because college loans tend to be pretty low interest rates.
Yeah, um, so I would say that's that's the bottom, obviously.
Um, and then paying your house off.
Look, um, that's that's a slippery slope because it really depends on did you get a good interest rate, right?
Like, if you got a good interest rate, you got you know, sub 4%, you know, you're it's like damn near.
I wish I didn't pay mine off, you know.
Is someone are you do you have a do you have a triplex or a duplex?
Is like someone paying your rent off for you if if the interest rate is good and you got like a multiple unit property or something like that, that's different.
Yeah, well, if you're renting, you're gonna have to pay that no matter what.
But if your house, I would say that's low on the totem poll too, but I'd say the top three to pay off for sure: hard money loan, credit cards, and then a car payment if it's over seven percent, like first said.
Also, when it comes to cars, guys, if you want a nice looking car that's reliable, Lexus.
I've seen many millionaires that are successful have Lexus in their garage, maybe a Mercedes, and that's it.
And I'm like, Why don't you buy a Lambo Ferrari?
Like, what's wrong with y'all niggas?
It's because it's comfort, they can go any place they want to go to, won't we bother?
Now I understand.
And if they get hit, go buy another one.
Ain't that crazy?
But Lambo, you get hit, bro.
You're cooked.
Yeah, man.
Yeah, bro.
Yeah.
So, would you say for anyone out there that wants to buy like an exotic car and flex, you might as well just own that shit?
Like, that's why if I ever buy another one, I'm going to buy cash.
Yeah.
Because, bro, just the pain points of what I've been through and I didn't do anything wrong, bro.
My worst enemy, I wouldn't even push on.
Like, it's that bad.
So, you would never lease an exotic ever again.
Never again.
Even though I get benefits from the tax or finance, excuse me, you would never, because you didn't lease it.
You were financing it.
I leased it for the business.
So, I did get write-offs, but like it wasn't even worth it, bro.
Like, after all that bullshit, I'll just jump, just buy cash.
Okay, yeah, own it outright.
All right, own it outright.
All right, make sure you like it.
Make sure it's a making model that you truly love and you don't want to get rid of it.
All you should do is rent the car first, drive it for like a day or two, then go buy it.
Because the problem is you're buying exotic cars, you might hop in it for a test drive.
Oh, this feels good, but a day passes, your back starts to ache.
Oh, this is uncomfortable.
Oh, your bitch is like, oh, this car is not, it's still too small, bro.
Just get it for day or two, rent it out, and then go buy it afterwards because you know what it feels.
Money Monday Back00:05:55
Yeah, yeah, and stay away from exotic cars in general, yeah, bro.
Like, honestly, bro, it's not even fucking fuck that shit, bro.
Yeah, bro.
Um, all right, go, go travel, man.
Hey, guys, do me a favor.
Uh, guys, smash that like button for me if you guys are watching on YouTube.
We got 3,000 plus you guys in here, man.
Not too bad for our first Money Monday back.
I want to get to a point where we got 5,000 watching concurrently minimum.
I'll be happy with that.
Uh, watching 5,000 concurrently on a Money Monday, uh, you know, guys, this smash that you won't hear in school.
I'm telling you this right now, bro.
This is personal experience coming from the heart, bro.
Like, nigga, we've been through it.
Yeah.
So, this is real talk.
Yeah.
All right.
Um, what's the next one?
This is uh number two on the list.
Yep.
We got here: build emergency fund, especially with AI and job loss coming to your front door.
Fellas, I know we mentioned it before I started the show, but job loss is a real thing, guys.
The industries we have today are not actually built to last with AI.
AI is here to have companies move at a progressive rate and still have high income for low expenses.
So, that means for us as human beings here, fellas, you're expendable.
You always were expendable, by the way.
You know, your manager, your job would be like, hey, Joe, you want to go to the bar after for some bears?
They're watching you, bro, to see how you act.
I'll say to work, to judge you.
And then, next thing they say, okay, who are we going to fire?
Yeah, Joe is a slob at the bar, bro.
Get rid of him.
Fellas, they're not your friends, bro.
Your manager, you what?
Not your friend.
Your co-workers are your friends, jealousy, bro.
You're doing well at work.
I'm gonna get some dirt on Joe.
I don't like that guy.
The chill with you.
So, what's up, bro?
He's smashing the receptionist at the job.
Hey, uh, you know, Joe's smashing Susie, right?
Oh, really?
Company guidelines just like that.
Now you're going for your job.
So, fellas, your co-workers are not your friends.
Your boss, either, your manager, go to work, do your job, go to home, bro.
Anything else over that, bro?
Nope, it's retarded.
Now, the job loss itself is bad.
We're gonna video to play here as well.
It illustrates what happens with job loss in real time.
Should be the one.
Uh, which one?
Yeah, there we go.
Guys, have an emergency fund, man.
important to have an emergency fund.
If you don't have one as we get into 2026, that should be your main priority.
People say three to six months.
I say at least ten thousand dollars.
This is gonna give you a level of security just in case you get fired today.
Pause, you aren't panicking.
I have a friend who works at least, by the way, at least 10, 12 hours a day.
Loves his job.
He works in tech, was fired last month, but he saved his money for a year in case of emergency.
Now he's moving to DR to live full-time.
And because he realized, bro, the America that we knew isn't coming back.
What's happening is gonna be factories and robots running our infrastructure, which means most people's jobs, bro, are in danger.
He saw it.
He was an AI.
So, guys, you need money in case you get fired because it's a reality.
It could happen tomorrow, today.
Who knows, bro?
So, just be ready if it just happened to you.
Here we go.
Smash that like button.
Let's get to pause real quick.
This isn't a thought as a teenager.
What are the likes at?
Let's see real quick.
Yeah, let's get a like meter up too.
If we can, Bills, I know you may or may not have the things still.
But yeah, guys, let's get those likes up.
Let's get 2,000 likes, man.
Smash that like button.
We're coming back on YouTube.
Got to get the engagement up.
Okay.
This is some of the most important stuff.
So, um, but yeah, we could play the video.
Let's get to 2,000 likes.
I think a lot of people that come to college was like, oh, I'm gonna work.
David in YouTube chat.
Yo, he says they're hiring everywhere.
Can get jobs super easy.
Listen, nigga, tell it to the people in Tyson that worked for Tyson and I think KY, bro, their job is gone.
Tyson's not going to be working there anymore in that state.
And that state has like what?
I think eight, 10k people in it.
They fired 4,000 people.
Where are they going to go now, bro?
Like, dude, this is not a joke, bro.
This is real.
This is real.
Yo, they've been spreading the numbers for so long that no one knows that we're in a recession.
Nigga, we are in a recession, bro.
Oh, yeah.
They tried to change the definition of the recession last year.
Dude, they lied.
Under Biden, yeah, I remember.
Because you know why?
Michelle's a fan.
You know what they're going to do?
Niggas try to change the definition of recession, bro.
Here's some universal basic income.
We'll take care of you.
But guess what happens now?
Now you're not free.
You're under their control.
Dude, this is fuck, man.
They've been lying to you guys for years, bro.
But this recession, it is here to stay.
It's not going to get worse, bro.
Jobs are not easy to find, bro.
Unless you get a job, bro.
Hey, it's coming, bro.
They'll fire you again, bro.
Like, come on.
Use common sense.
Anyhow, let's continue the video, bro.
Thanks.
Nigga retarded.
Whatever.
For the next 40 years, and nothing's going to happen until you experience your first termination.
Until you get laid off on a random Thursday, you haven't been saving adequately.
And now you're fucking panicking.
I am a big advocate for sitting down and getting your finances right.
The same thing that you do every single weekend or your daily habits that cost you a lot of money monthly will still be there four to five, six months later.
If you can buckle down for three to five months, I live in Chicago.
It's cold right now.
You don't really have to do shit.
You won't miss a goddamn thing.
You can get your finances in order.
I have a two-year emergency fund.
That gives me great security.
The whole purpose of an emergency fund isn't to deplete it from $70,000 to zero, but I don't have to stress.
If my job says, fuck you, we don't need you no more, I'm going to sit on my couch and relax for a little bit.
There are plenty of ways to stack money, and I'm not looking for any excuses as to why you can't take on a second.
Ensure Your Financial Security00:05:14
Two years is really good.
If you got a two-year fund, that's great.
You know, I think bare minimum is three.
I like six, and I think a year is great, but two years is even better.
The more you have, the better, man.
Honestly.
And quite frankly, the harder your job is, like, the easier it is for you to get laid off, the more money you should have around for sure.
And you don't know when it may happen.
You just never know.
Yeah.
So, but yeah, that's pretty much it for the video.
What do you say about mergers fund other than that?
You got to have it, dude.
You really, you really absolutely have to have it.
I know we've been harping on this with you guys for a few years.
I know we sound like a broken record when we said that you need to have three months to a year of savings, but it's that important, guys.
It really is that important because you never know what could happen.
I mean, you know, and here's other things, not just for yourself, guys, but like for your family, right?
You might have an emergency expense that you need to pay.
And could you imagine if you're not in a position to help your family out in that situation?
I told you guys before, and some idiots like try to mischaracterize the situation.
I told you guys a story about my uncle where he had worked for the government, some low-level fucking job for the Umar Bashira administration.
And with the wars going on in Sudan, they wanted to kill him, right?
They wanted to kill him because there's obviously a civil war going on over there.
And my mom asked me for a couple thousand dollars.
And I knew right then and there something was wrong because they never, my parents are very proud.
They don't like to ask me for money.
But I knew something was going on.
They're like, yeah, look, we need to get him on a plane out of here.
And I sent her the money.
I didn't even think twice.
I sent it to her.
And could you imagine, like, if I didn't have the money, my uncle dies.
You know what I mean?
So, and, you know, because the thing you got to understand also, guys, because some people say, oh, he's working for the government, whatever.
Yeah, like, you can work for the government and not agree with the administration in power.
Okay.
Some of you guys work for the government.
You guys might not like Donald Trump.
Or some of you guys work for the government, didn't like Joe Biden.
Does that mean that you deserve to die because you worked under an administration that you might not necessarily agree with all the way?
No.
So for all the idiots out there, well, he worked under Oman Brasha.
Yeah, nigga.
Like, do you not realize that most countries, the government is the biggest employer for most people?
People are so stupid.
Like in the U.S., one of the biggest employers, the government, for most countries, the government is the biggest employer.
So yeah, they wanted him gone.
And they want to kill him.
And if I didn't have that money, who knows if he'd be alive right now?
So, you know, obviously that's an extreme situation or example.
But this is the importance, guys, of having that money because it's not just you that might need it.
Someone that you love or someone that you care about might need it.
And it might literally be a life or death situation.
So be responsible, guys.
Be responsible.
Have that money there because it might not be you.
It might be someone else's life.
That depends on it.
My mom needed surgery, bro.
She could have passed away as well.
And luckily, we have a good paying job.
And she got surgery.
And just like, you never know what could happen, bro.
Life is definitely fun.
If not for yourself, at least have that money for your loved ones.
Yeah.
You know what I mean?
Or like, or friends or whatever, right?
Like, people might come to you like, hey, I need help.
And, you know, speed is the only thing that matters.
And if you can't make that happen, someone can die, bro.
Guys, like, I know, I don't mean to be the, like, make it like super extreme and sad or whatever, but the reality is, is, like, your financial, your financial ineptitude can lead to someone dying that you love.
It's selfish.
You know, like you being a brokey can literally lead to someone you care about dying.
You know, that's really what it comes down to.
It's being selfish, bro.
Honestly.
It's, yeah, it is being selfish.
It's being irresponsible.
So that's why you got to have that money, not just for yourself, God forbid something happens, but you're going to have relatives, man, that might need that money or might need your help.
And if you can't support, if you can't be there for them, I'll give an example even just after this as well.
Steve will do it.
His employees, bro, that he hires, they won't be able to work anywhere else, pretty much, because either they're not, I want to say, at a regular employee rate of employment, or they just don't have like the means.
And he hires them.
What do you need every month to survive?
You asked him.
One guy said 18K.
Done.
But guess what?
Steve has money to do that.
So he gives people jobs that wouldn't otherwise get jobs.
Yeah.
And that's lovely because you don't have to, but you can.
That's powerful.
Yeah.
If you're not going to do it for yourself, guys, that's fine.
But at least get that money so that you can take care of your loved ones because you never know, dude.
I remember when I got that call, I was like, oh, wow.
You know, like, this is do or die.
Yeah.
And thank God I was ready.
But could you imagine if I didn't?
Let's say I was wanting to be a dumbass nigga and, you know, spend all my money and, you know, be an idiot.
And, oh, sorry, mom, I don't got it.
Yeah.
Now my irresponsibility has led to someone dying.
And that's family.
So, guys, be in that position, man, where you can help others.
That's the importance of that, man.
All right.
And last point here is budget cuts.
So like Myron said, he doesn't need the budget.
I know I sure needed to budget at some point because I was wilding.
Budgeting Basics00:15:43
But, you know, I think that at the very beginning, you should budget because, guys, discipline does not come easily.
Most people are not going to, most people are simply not going to spend less than they make.
So budgeting is going to be a requirement for most of you, right?
Like minimalism is a way to kind of budget without having a budget, so to speak, because you're spending so little doesn't matter.
But let's be honest, most people are not going to be minimalists.
Most people have bills.
Most people want to keep up with an image.
Most people want to keep up with the Joneses.
So you are going to have to budget and crunch out the numbers.
Yeah.
Now, we got a video here of a girl that didn't budget.
And I want you to.
Okay, so fellas, we know how girls are with money.
Of course, you know they were money.
But this is an extreme where, like, look how old she is, bro.
How much debt she's in.
Watch this.
I'm 22 years old, and I have $37,515 worth of credit debt.
Oh.
I also have a $7,992 student loan.
I also still owe $55,829 on my car.
In total, I have about $100.
I guarantee you that she bought a new car.
I guarantee you they have a new car.
Yeah, for $55,000.
I guarantee you she bought a new car.
Nigga, she's cooked.
$55K.
That's it.
Yeah.
And it's probably like at least maybe an entry or mid-tier luxury car, probably.
I guarantee you.
Yeah.
Got a CDC class or some shit?
Bro.
Or that price ring.
Got a Lexus or something?
It's got to be.
Yeah.
So, dude, she's 22.
There's more.
$100,000 worth of debt.
If you're anything like me, you haven't made any credit card payments in over six months.
You have creditors calling you every single day.
And you're feeling hopeless.
That's your life.
But don't stress out.
There's an answer to everything.
And you'll get through this.
I'll get through this.
We'll get through this together.
As of today, my credit score is a $4.98.
I was about to say.
So join me on this journey to pay off my debts.
We'll see how high I can get my credit score.
I'm also not here to give financial advice.
Obviously, I'd probably be the worst person for that.
But if you want to watch me tackle this debt, I'll keep my TikTok updated.
And yeah.
I'm 22 years old.
Doesn't help anybody.
It talks about her debt.
Now, why she made this video?
I think Fishing for Simps, because TikTok was paying around a dollar per view.
So if she made this video, you get 3 million views, which people want to hear bad stuff about other people.
She 30K.
Now, watch this though, right?
There's another video there I got bills that a guy in a car.
Yeah, this guy.
Now, watch what he says about her video, basically.
Nobody says this trend is by far the best trend that has ever hit the internet.
It proves that we can all come together, help each other with zero money, zero effort, and very little time.
For those that don't know, there's this trend going around called payoff my debt.
And usually the person that's making a video says, hey, I only need 30 million views on this video and I'll be completely debt-free.
So what are they saying?
Well, let me explain.
With the creativity program on TikTok, you get paid for the views that you get on your video, but not for all the views, only the qualified views.
Well, what is a qualified view?
Qualified view is just a view from a person who has interacted with your video or has watched it more than five seconds.
Most cases, your qualified views are usually around half of what your overall views are.
Now, you also have what is called an RPM.
An RPM is just the amount of money that you get paid per every thousand views.
So let's just say you have 1 million qualified views and your RPM is set to, let's say, a dollar.
Well, then that person will make $1,000 off of that video.
So now when you see a video that says, I only need around 30 million views to be completely debt-free, that person is essentially saying I only need around $25,000 to $30,000.
Well, what's so cool about this?
Well, because most people don't have money to help other people.
So if you can help somebody by simply watching a video for a few seconds, why not?
I've seen this help people pay hospital bills, student loans, home foreclosure.
So it did work for well.
But guess what happens?
It's TikTok.
I get rid of the company.
They change their rules for payouts.
Yep.
So now, especially when they're doing AI automation, yeah, that shit won't work anymore.
So with AI slot and algorithms know looking for AI in different ways, you have to be creative, very creative, and have real information.
So this shit don't work anymore, fellas.
You're getting paid 20 cents per view if you're lucky.
Yeah.
So that shit used to work for girls because they're like, oh, I'm low as me.
So adding the simps plus the payout, they're good to go.
They hit five videos, pay off their shit, back to normal.
Now, guess what happens?
Because they didn't fix the habit itself.
Habits again.
Yeah, yeah.
Yeah, their spending habits.
Yeah, it doesn't matter because they didn't learn anything.
So in her situation, the most damaging thing for her is her credit card debt at 37K.
And the fact that she hasn't paid off in six months, that debt was probably like in the 20s, bro.
Yeah.
It was probably guaranteed in the 20s and has been going up significantly because the interest rate is probably killing her.
And that's what's led to her being out of control.
And here's the other thing too, guys, when it comes to your credit score.
The biggest thing when it comes to your credit score, three main things going to your credit score, just as a refresher here, okay?
Number one is on-time payments.
Number two is proportionality, right?
What percentage of your overall credit limit are you using, right?
So I tell you guys all the time, you want to be under 30%, but optimally you want to be under 30, under 10%.
Under 10% is perfect, but under 30%, because once you get over 30%, that's when your credit score starts to take because the credit card companies have simulators and algorithms that once you pass that 30K, sorry, over 30% usage, now you start to get into riskier territory as a borrower.
And they have a bunch of numbers and stuff like that that they crunch where, you know, in study case studies where people that typically pass a certain amount become less and less likely to pay.
This is why a lot of the times, guys, if you just start spending your credit card like crazy, all of a sudden, they'll just shut your car off because, whoa, whoa, what's going on here?
Right.
Because if they see erratic spending and they see you reach a certain limit or pass a certain percentage, your likelihood of you not being able to pay goes up with that, right?
So, and credit card companies don't make money on you just spending their money.
They make money on you paying back with interest.
They're hoping that you pay back with interest.
So once you start messing with their algorithms and get over 30%, you start to become a high-risk lendee and they'll turn your card off and then lower your credit score as a part of that.
On-time payments, percentage, and then what's the third one?
Um, um, length of uh credit history as well.
Yes, yes.
So it can't be brand new, you got to be like over a period of time, yeah, which is why if your parents put you on their credit early when you're young, let's say you're ready to actually get a credit card yourself, you'd be way ahead of the current.
So, I pulled up my FICO square score here, so it goes payment history, amount of debt, length of credit history, amount of new credit, credit mix.
So, look, guys, I don't know if y'all can see this.
What does that say?
Can y'all see that?
834 or maybe you can use the projector right here.
Oh, okay.
Where do I?
Oh, oh, boom, right here.
Sorry.
Maybe I move it back a bit.
Boom.
Y'all can see that?
Okay.
Boom.
You guys see that right there?
That's my credit score, right?
834 right now.
We're cooking.
Now, why?
If you guys look, oh, if you guys look, the number one thing, payment history.
See, it says, what does it say?
Exceptional.
I don't make any late payments.
You know, whether it's you're making the minimum or you're making, you know, paying it in full.
Look at mine too, nigga.
Look at that.
Yeah.
793.
793.
Exceptional.
Very high.
Right?
And then you see here amount of debt.
I got revolving 1%, right?
I'm constantly paying my bills all the time, right?
Every week I'm like making a payment to make sure my utilization stays low, right?
Then after that, I got length of credit history, very good, eight years, right?
The average length.
This, guys, it doesn't matter as much because honestly, like you're going to be, you know, if you're a younger guy, your length, your credit length is not going to be that extensive.
And then amount of new credit and then credit mix, right?
I have mortgages.
I don't have a car debt, but I did have a car debt for a bit and then we paid it off.
The Range Rover.
But you guys can see here, credit mix and everything else like that.
These are the things that matter in order of priority.
The two biggest thing, guys, you guys can see here, though, payment history and amount of debt.
I always keep my utilization under 10% and I always pay on time, even if it's a minimum payment, guys.
Always pay on time.
Do not miss payments, guys.
That will fuck your credit score up the most.
Yep.
I don't care if you got to pay the minimum.
And again, why is credit important?
Credit is important in the United States because everything revolves around credit, guys.
Not having a good credit score is going to limit your ability to create wealth in the future, right?
It's going to hurt your ability to procure real estate, to get favorable terms on loans if you want to buy a car.
Even renting.
Even renting, man.
You're going to end up where you got to pay more for shit just because you're financially responsible.
And we're talking about tens of thousands of dollars over a lifetime and higher interest rates, penalties, car loans, fees, all that shit, dude.
It's not worth it.
So the reason why I tell you guys to have a good credit score is so that you can create financial opportunities for yourself.
Most importantly, if you want to invest in real estate, because we know real estate is the number one way to become a millionaire is the biggest creator of wealth.
Real estate, getting a good interest rate, being able to get approved for loans, that's going to be super contingent upon your credit score, guys.
So, yo, make your payments on time.
If there's one advice I could get, one piece of advice, bro, please make your payments on time.
I don't care if it's a minimum payment, but always pay on time, okay?
Do not let your shit get into collections.
Do not, you know, let it get too crazy, but at least pay on time, even if it's a minimum payment.
Now, guys, just to recap, we covered five things you can do to get ready for this year before 2030 when AI is in full effect.
Oh, another good point.
Someone said in the chat.
I'm sorry, Fresh.
Yes, you will lose job opportunities while having a bad credit score.
Thank you so much for saying that.
Yeah, that's true.
You guys want to get a clearance?
You guys want to get a job that requires a security clearance or you want to get a job where they do background checks?
You want to be a lawyer or something like that?
Bruh.
Yo, law enforcement.
Also, governments?
Car insurance?
They'll deny you if your score is too low.
Or is your actual credit card?
They run your credit score for car insurance.
I know niggas paying $2,000 for insurance.
It's that bad.
Yeah.
Because their credit score sucks.
As Rolls-Royce.
And versus, and how much would have they been paying if their credit score didn't suck?
Less than $1,000.
Remember, and it's on the car.
I'm like, why is this shit so high?
Oh, I got bad credit.
See, and here's the thing.
Like, yo, you know what the crazy part is, guys?
Like, you don't realize how much you pay for having back credit until you got the back credit.
Yeah.
Right?
You wouldn't even know.
Like, you won't even know.
But, like, yo, we're talking about over a lifetime, millions of dollars.
Tens of thousands in a couple of years, easily millions of dollars over your lifetime that you're spending just because you can't pay shit on time.
Yeah, I know guys that only use cash, but like, yeah, bro, like, I'm on credit because they don't have me credit.
And here's another thing, too.
And you know what?
Look, it's a new year.
Let me remind you, motherfuckers.
If you're paying for cash with things, you're an idiot.
You're fucking stupid.
If you're paying with a debit card, you're paying with cash, you're a fucking moron because you should be buying everything with a credit card.
Yeah, why?
Because you build your credit artificially, you pay it off in full, right?
Or at least make payments towards it.
You get points.
Get your credit score up.
And if you're smart, like we've taught you guys, you get a cashback credit card.
You get a business credit card that gives you flyer miles, whatever.
I don't care what it is.
At least get a credit card that gives you cash back.
1 to 2%.
We tell you guys all the time, 1.52% is the golden number, right?
We understand that some of you guys, you know, got to build your credit up or whatever, but get your credit to a point where you can get a cashback credit card that's going to pay you back for spending what you've already would have spent anyway.
Guys, it's free money.
You end up making money.
You end up saving money.
You're able to create financial opportunities for yourself.
Guys, having good credit, it's so important.
I would argue having a good credit score is more important than having a lot of cash.
Yeah.
Because you'll have more opportunity.
I'd rather have a good credit score and some cash than having a lot of cash and a shitty credit score.
Because with a good credit score and some cash, you can start, you can buy assets at a good rate, put some less money down.
With a shitty credit score and some cash, like your opportunities are, you're not going to have opportunities.
Limited.
You have to spend more of that cash.
Yeah.
Right.
And the beauty of, you know, whether it's real estate or whatever is you want to be able to use other people's money to control the asset.
The goal is to control the asset.
The less money of your own that you can use, the bigger the W.
So, guys, you know, there's just so many different things, whether it's getting a car loan, getting a home, you know, being able to get a job.
Basically, everything.
You know, yo, you want to get a clearance?
You got a shitty credit score, bro.
Niggas aren't going to hire you because now you're a national security threat because you're a bum.
Being a brokey makes you a national security risk.
Actually, in China, if your score is too low, you're going to be homeless.
Nigga, they're not playing over there, bro.
And when it comes to America, by the way.
Yeah.
You're going to be like, Aldric Ames, bro.
You're going to be selling secrets to the Russians and shit, man.
Next thing you know, you are fucking Florence, Colorado at a maximum security prison because you fucking couldn't get your financial shit in order, bro.
Come on, man.
Oh, shit.
We got DJ Munch.
That's his name?
Yeah.
Question.
Would you recommend moving?
Get your questions in, by the way, guys.
Yeah.
Would you recommend moving in with a friend temporarily, splitting the rent utilities and paying off debts?
Yeah, why not?
Yeah.
Bro, you do, bro.
That is like a weight on your shoulder boat that doesn't go away unless you make a chance and you put time into making it go away because it's terrible, bro.
You got to work at it, man.
Guys, it's going to be a deliberate, overt, and conscious step because you're going to have to start prioritizing everything that you do based on I need to pay my debt off.
It's painful.
It's going to dictate how you do things.
Once you go through that pain, you're like, you know what?
Freedom is way better.
Guys, and we tell you guys all the time, we need you guys in the credit score range of at least what, 720, you would say?
Yeah.
Guys, get at least a 720, bro.
720, dude, okay.
And it's doable too.
800 is great.
You can hit a 750 without even having a home loan or none of that board.
740, anything more than that is vanity numbers because 740 is considered excellent.
So honestly speaking, we're working on OD.
But like for you guys, just get 720, 740.
You're good, bro.
Yeah.
That's all you need.
Yeah, man.
Get into the excellent range.
At one point, hat 850.
I was like, oh, I'm a G.
I remember that.
That'll be shit, bro.
Yeah, yeah, it's vanity.
And obviously check FICO, check Experian, check all of them, right?
Typically, Fico is going to give you a higher score than Experian and shit.
And what's Experian?
The other one.
Equifax.
Equifax.
Those are the three main.
550 is terrible, by the way.
550.
Oh, bro.
Nigga said 550 is good.
Come on, man.
What the fuck, bro?
Bro.
Even high 600s is trash.
Most people sit in the 600 range.
Yeah.
Which is like considered good credit?
Nah, bro.
Like, good enough where they can rape you on fucking interest rates.
And it missed payments.
That's good enough.
Where they can really start like six.
Yeah, the lenders love 680, 650.
Yeah.
Because then they can go ahead and start giving because they know that you're not in a position to negotiate like that.
That's actually, you're just good enough for them to give you the loan, where you're also not good enough where they could kind of jerk you and be like, all right, bro.
We know that you can't really go to many other niggas.
So, yeah, let's go ahead and get that.
Yeah, they're going to bend over backwards, guys.
Yeah, literally.
Thank you.
All right.
Papi Mangus says, my wife is going to be a veteran next year, and we want to use the VA loan to get our first home.
Obviously Expensive NVA Loan00:00:56
How can we utilize it the best way possible to make it an asset on top of a home for us to live in, if possible?
Get as many, try to get a try to get it, make it a fourplex.
Yeah.
Because you want to go ahead and spread that mortgage amongst as many people as possible.
And the reason for that is because if one tenant doesn't pay, you got three others that can offset it.
Yep.
So if you can, the best way to go about this by far is to get a fourplex.
Okay.
Obviously, it's going to be more expensive.
You're doing an NVA loan, so you're going to put damn near no money down.
But that's why the more tenants, the better.
So that's what I would say.
Thanks, FNF.
Boost on all next.
All 2026.
Yep.
Frequent Visits Fluctuate00:04:38
Yikes says, since your girl shouldn't live with you, should she be able to come over when she wants?
How to regulate it?
I like to tell guys once a week.
But for sure.
Unless you're advancing, you really know how to negotiate.
But let's be honest, man, a lot of these dudes are one blowjob away from the plantation.
Once a week tends to work for most guys so they don't get fucking enamored and become Sims.
Also, the problem is she can come over whenever she wants to come over.
What if you're busy with something like another chick, bro?
Come on, you what?
They're cooked for real.
Yeah.
Well, he's probably asking that because that's the only chick.
Well, only chicks.
So, yeah, no, bro.
Once a week is what I tell generally tell guys so that they don't fucking start becoming Simps.
Yeah.
Look, and just so you guys know, shout out to Bills, by the way, for setting this up.
If you guys want to get involved in the show, man, and you're watching on YouTube, you can get involved in the show.
We got the link pinned in the chat.
Super chat on there.
We're reading all the chats, especially on Money Mondays.
We want to make sure we answer all your guys' questions and give you guys value.
Also, guys, all 2026, man.
Rumble wallet is open on the channel.
So you can donate crypto now and gold.
That's the W, man.
And the biggest donator gets tripped to Miami with us on us, by the way.
So there you go.
So, like I said before, man, we're innovating, man.
Like I said, you know, YouTube ain't going to stop us.
If they don't want to remonetize, cool.
We'll find other ways.
We'll be, you know, we're not going to stop giving y'all this value, man.
Chris said, OnlyFans.
OnlyFans.
Because, you know, realistically, man, like, every time I meet you guys, like, the people that come up and say that we've impacted them the most, it's always from the Money Mondays, bro.
That's why we refuse to stop doing this segment.
That's why we refuse to stop doing this show.
It's not all about views.
It's about quality views.
And a lot of you guys that are watching this stuff, I hope you have a notepad or, you know, we're going to put time stamps up for you guys, but this is the stuff that really can change your life.
So time is limited, by the way.
Very limited.
Anonymous says, look into STRC stretch, currently paying 11% APR.
For what, though?
What is that?
What are you?
What are we?
What is that?
Okay.
Rabbit says, a pro tip for Amex card holders.
The earliest auto-pay will let you pay your bills is 15 days after saving closes, which guarantees you never have 0% credit.
You never have 0% credit utilization.
Pay it off manually the day of the close and credit score goes up 50 plus points.
All right, fair.
All right.
Good shit.
That's fair.
DJ Munch, and guys, your credit score is going to fluctuate every week, by the way.
So don't get too harped up on it.
Don't let it like you know, crush you.
Um, you know, just like I said before, anything over 740 is just really a flex, bro.
Yeah, um, you, once you once you hit the bare minimum of excellent, you're good.
Um, where do we go here?
What's next?
We did that one right, DJ Munch.
Oh, oh, oh, he said it twice, okay, guys.
Uh, okay, we did the video with Rampage, uh, it was definitely uh a wild.
Yeah, it's all cows club.
I was trying to find it, and they said that uh, apparently there's some crazy stuff going on.
Yeah, there's a girl there that had an accident on camera, so we wanted to put down cast club only.
So, guys, castle club, man, it was a wild day.
Bills was definitely uh in love, and um, I was scared for my life because it was yeah, there's a lot of ass, a lot of ass, bro.
Too much ass, yeah.
Um, Rampage had to go back, right?
He'll be back, though, for a podcast with us, Rampage.
Okay, yep, all right, uh, cooking the cooker.
I've grown my profile to 400k trading ETFs while working my 150k corp gig.
Good.
Don't need to invest in real estate, uh, just learn the market and take advantage of it strategically and don't be a simp.
Yeah, well, you got to remember, bro.
Um, you could say don't you don't need to invest in real estate, but there's not going to be any other asset class that offsets your taxes.
Real estate isn't just about making money, it's also about mitigating and limiting your taxes as well.
And you're not going to get tax, you're not going to get more tax benefits than with real estate, bro.
So, you know, that's why real estate is the best asset class.
Look, I know people dude, I'm in precious metals.
I'm in cryptocurrency.
I'm in real estate.
Crypto.
I'm in fucking the stock market.
I'm in index funds.
I'm literally in, I'm one of the most diversified investors.
And it doesn't even come close.
Real estate is by far the biggest wealth builder, dude.
And the numbers show it.
90% plus of people that become innovators do it to real estate because real estate appreciates over time.
It's one of the best hedges against inflation.
You just can't go wrong with it, dude.
You know, I know some of you guys hate real estate.
Oh, bro, I don't want to deal with tenants and toilets.
All right, bro, that's fine.
But it is a proven track record.
Unfortunately, a bank is not going to give you a loan to buy their own stock.
Niggas Won't Give You a Loan00:03:10
You can go to Bank of America tomorrow.
Be like, hey, guys, can I borrow $100,000 to buy Bank of America stock?
Nope.
They'll tell you, no, thank you.
Get the fuck out of our bank.
But if you go in there and say, hey, I got a property I want to buy, they'll give you a loan.
That should tell you everything you need to know.
You know?
Niggas won't even give you a loan to buy their own stock, bro.
Nope.
Come on, man.
What else we got?
Says a lot.
One chest.
One chest.
He goes, much respect to you guys for being very transparent and relatable with everything, especially with finances.
Helps us know, like, and trust you.
Life-changing advice.
W years of consistency, L Broke, and fat people.
Yeah, absolutely, bro.
Anus and Reach ain't teaching y'all none of this shit.
Stupid ass niggas are buying condos, fucking dummies.
And they're not transparent.
And they're not transparent.
They try to sit there and make it look like they're better than everybody else.
Not even.
Yeah.
Well, they do that, and then they also pretend like they're not making money.
Bro, niggas are multi-millionaires, bro.
Yeah.
Niggas try to sit there and like, oh, no, we identify with you guys.
Like, get the fuck out of here, bro.
Y'all niggas are retarded.
And they don't add any value.
They were live earlier giving like some bullshit.
Bro, their content sucks.
Like, dude, I've actually started watching their shit.
It fucking sucks.
Blows.
It's really bad.
Like, I was like, yo, niggas, watch this.
Because, like, for a very long time, I'll be very honest with y'all.
These niggas used to piss me off.
I'd see a video that they made on us, and I'd be fucking, I'd be like, man, fuck this shit.
Block.
I don't want to even see this bullshit.
Now that I'm actually looking at their shit, like to show how to roast them, like their breakdown on the ice shooting, for example, I'm like, these niggas are stupid.
Like, their political takes are moronic.
They clearly don't know what they're talking about.
Low IQ, no value, give bullshit ass commentary.
I was like, damn, no wonder these niggas don't live stream.
Like this shit is trash.
No value added, nothing.
No tangible.
Like, yo, I'm not, I'm being deadass.
No tangible value given whatsoever, bro.
I've not once seen these guys give any advice to actually help their audience.
They lie as well.
Crazy.
A lot.
Their content fucking sucks, man.
Oh, man.
I wish I had been watching this shit sooner, man.
I would have cooked these niggas years ago, bro.
This shit trash.
But anyway, let's keep going.
Blue Ton X World 2026.
Anything else?
Oh, Sebastian?
Okay, what's Sebastian saying?
I'm 16.
Oh, I'm 16.
I want to be rich.
I'm just cooked because I am 16 with all this stuff.
Currently trying to become a pilot.
Hold on.
Nothing wrong with being a pilot, bro.
Hold on.
Pilots are necessary.
Now, they invent automated planes.
I ain't got no one, nigga.
Yeah.
You know what I'm saying?
That's a good gig, sir.
Yeah, yeah, yeah.
That, my friends, is what we would say a career that's worth putting time into.
So go to high school.
You need a college degree to be a pilot?
I don't even need a pilot license.
Right?
You got to go to aviation school.
But do you need a bachelor's degree to go to aviation school?
I think so, right?
I don't know.
You got to look that up for me real quick.
But I'll tell you this, bro.
But that's a good gig, bro.
Do it.
Even if you're under 18 or you're 16, bro, you can learn AI to help you benefit.
Think about all the clippers making money, bro, off of clips and AI.
Dude, that's genius.
Save 6k for Real Estate00:06:39
Your biggest thing as a 16-year-old, bro, is don't ruin your life.
Don't get a girl pregnant.
Don't get arrested.
Don't do drugs.
Don't drink alcohol.
Don't be a degenerate.
Like, eyes on a prize, my friend.
Eyes on a prize.
But that's good that you already have that mindset at 16 years old.
So that's awesome.
No.
Sorry.
No college degree needed?
No bachelor's degree needed.
There you go.
And another thing too.
Also, guys, I used to tell people all the time, go to college, get a degree.
It'll create more opportunities for you.
Nowadays, I cannot, even as someone who went to a prostitute school themselves, I cannot in good faith tell you guys to go to university unless either A, you're going for free or B, you're majoring in something that require, sorry, you're trying to do a job that requires a degree.
I cannot in good faith give this advice anymore.
College is a scam for the most part.
Yeah.
Dude, I had a choice to go to FIU or get a job.
And I looked at how much debt I would have been in, bro.
I said, fuck this shit.
I'm going to go get a job, bro.
And at that point, it worked out because, bro, like, dude, college would have been 70K in debt.
Yeah.
College used to be.
One year, by the way.
College used to be a viable way to spend four years in your adulthood.
Now, I can't justify it anymore unless you're trying to be a doctor, lawyer, or some type of career field that requires a degree or you're going to school for free.
If you're finding it your own way, there's no way in good faith I could tell you guys to go to university nowadays.
What else we got here?
Joe Joey.
Retired in May.
I collect about $9K a month tax-free.
I paid off my $25K in credit card debt.
Good.
My monthly cost of living is $4,500.
I have $6K in an Empower fund from work.
any advice for it and extra cash uh so you got so you got a my cousin is 45 I have 6k and empower but So you have roughly another $5,000.
Dude, put that money towards trying to get yourself a real estate property.
At least one that you live in for free.
Yeah.
Guys, at bare minimum, I know some of you guys, I don't like real estate, Myron.
I don't like real estate, blah, blah, blah.
Fine.
Do this one favor for me then.
At least.
Live rent-free.
Live rent-free.
Yeah.
At least.
I'm not telling you how to become fucking Grant Cardone.
I'm not telling you how to sit here and be like, well, I'm going to buy a 36 unit.
No.
Okay.
I'm not telling you guys to do none of that.
I'm not telling you to become Ken McElroy or Robert Kiyosaki.
None of that.
At least, if you guys don't like real estate, you don't want to deal with tennis, whatever, that's fine.
But at bare minimum, guys, buy yourself a duplex, triplex, or fourplex that you live in, where you've cut out the most, the biggest expense for most Americans was typically going to be their housing.
And then here's the beauty.
They're paying your debt down for you.
You live for free.
The house appreciates in value.
So you're burning the candle from both ends.
You're gaining equity while someone says you're not paying anything while also saving money and you're getting tax benefits.
So bare minimum, guys.
You don't have to buy a real estate investment property as an investor.
Buy it as a first-time homebuyer or buy it under an FHA loan.
Buyer as a resident.
Get that 3% to 5% money down.
Take advantage of that.
Get into the property.
Patrol the property.
Put tenants in there and live for free.
Do that for me at least.
Every single one of you guys, at least buy a house, live in it for free, or damn near free.
Remove the biggest expense for most Americans, which is a housing expense.
And if you can't, your car next as well.
Yeah, it's just like a no-brainer, bro.
Yeah.
Like, you know what I mean?
A lot of you guys, like, look, you know, some of you guys might live in an apartment or whatever and you're renting because you're living in a major city.
That's fine.
But if you have the ability to live in a duplex, triplex, or fourplex, guys, do that.
Live for free.
Get the tax benefits.
Get the appreciation.
Get the rent.
Save the money on your living expense.
It's just a W in so many different ways, bro.
And you'll thank me later.
Like, you know, you're saving $1,000 to $2,000 a month, $3,000 a month, right?
That's what most people, the average American is paying somewhere between $1,000 to $3,000 a month in mortgage or rent.
Imagine you saving that a year.
I'm not going to lie, bro.
That's $24,000 a year that you just saved for nothing.
When I became rent-free, I bought my Rangeover.
Yeah.
Because that was money I would have spent in rent.
Shit, nigga, I might as well enjoy it now.
Yeah.
You know what I mean?
So at least do that, bro.
Bare minimum.
Live for free, guys.
Find a way to live.
That's what I would say.
The pro tip here: find a way to live for free.
If you can own the asset, even better.
Yep.
DPG Jungle F says, greatest piece of the pod tonight, which everyone should do no matter the step you're on, is maximize your income.
Utilize your time to make more money.
Coconut water ain't cheap.
You friends W Marin to broadcast and selling engineers.
Awesome.
Thank you very much, my friend.
Cool.
Yeah.
Yeah, it's already 11.10.
Do we have all the girls here?
Yeah.
Two more.
Two more coming up right now.
All right.
Any other questions?
Or you guys want to close it here?
Oh, another chat.
No, no, no, that was me.
Oh.
And yo, shout out to all you guys that super chat into the show and stuff like that.
We're using like a new program or well, a different software.
So all your chats that come through, guys, we're going to, every single chat will be shown on screen.
Yep.
Even if it doesn't hit a minimum limit.
But, you know, for money Mondays and shit like that, we typically read all of them because we want to, because you guys asked some really good questions in any way that we can help.
One more here.
Okay.
Isn't that from no, from iTake sold?
Oh, it just came.
It just came in right now.
Yeah.
And whether you guys send in a Castle Club chat or you guys send in a super chat from the website or you guys send a Rumble rant, we're able to show all of them on screen now.
So shout out to Rumble Studio, man.
Rumble's coming up, man.
Yo, I'm shorts are coming very soon.
Shorts are coming on Rumble very soon, bro.
I'm telling you, man, like, yo, I am anytime there's other platforms that can, you know, compete with YouTube and knock them off the market, I'm all for it, bro.
Fuck YouTube.
Okay, what do we got here?
Okay, how do you guys feel about doing trades and wealth building on the side in Thailand?
The West is utterly cooked.
I mean, look, one way to kind of build wealth is to go somewhere where your money goes a lot further, where you're able to save.
So that's one way to go.
I know we have a lot of people that go to foreign countries and become expatriates, right?
Their money doesn't go as far in the U.S., so they go, you know, Latin America, Southeast Asia.
You know, there's many ways to skin a cat, bro.
Do it was good for you, bro.
But do what's best for you, man.
If you enjoy it, you want to be out there, you're tired of America, that's cool too.
Your money will go further.
You'll be able to save.
So, you know, that's really a personal decision, man.
Yeah.
We can't tell you what to do.
But if you're going to be in the United States, obviously we can help you guys with that too.
But yeah, dude, I mean, if your money goes further, you make 50K in Thailand.
Use Your GI Bill00:03:07
That's like making maybe 100-some plus K here.
If it helps you, then do it.
Anything else?
We got Rise.
I'm currently a government employee, GS5.
I'm also going into community college on my own dime.
I have my GA bill, but I'm saving it for university to become a business out of this.
Is this a good move?
Bro, use your GI Bill for the community college, dude.
You can use the GI Bill.
Dude, use the GI Bill for all of your higher level education.
Why are you paying for your community college?
And if you got a GI bill, bro, just go straight to university.
They pay for it.
Like, I'm for university if you can not pay for it.
But if you're paying for it, then you have to be way more, you know, obviously selective.
But if you're not paying for it, that's different, man.
You got a GI bill.
So just try not to waste your time doing like a dumb degree, like fucking, I don't know, Wakanda studies or whatever.
Myron and Fresh, thanks for all you do.
Myron, I don't get into property due to the interest factor, which is Iran.
So what should I do as a Muslim?
Okay, well, so you don't want to get involved.
Then you're going to have to buy a house outright, my friend.
Cash.
Buy a house outright and then put tenants in it.
So you could do that.
It looks like you had a good amount of coin saved depending on where you live.
If you're in the Midwest, bro, you can get a house for like 100K, bro.
Buy a house and then live in it and put tenants in it and live for free.
What else we got here?
And keep in mind that you'll be able to borrow against that house as well.
You could do a home equity line of credit on your house, guys, if you got it paid off.
And you have access to that money all the time.
It's actually really helpful.
And you get really good rates when it's your primary address that you're doing a HELOC on.
Show my shot on screen, WFresh of Fit.
Thank you, Punisher.
Appreciate you.
Plano Montan says, I do have two credit cards.
Is that true that the business signify master card doesn't get report or affect my personal credit?
Well, I'll use my personal credit card to keep my very low credit basically under 5%.
Thanks for all the helpful information that you bring to the whole world.
You're the best master blessings.
Yeah, so business credit cards typically don't get reported on your personal credit yet, which is good, by the way.
Yeah.
Because you fuck it up.
But still, don't try to carry high balances on them, bro.
Try to avoid that.
But yeah.
What else we got?
Marco says, my credit's been in 790s for years.
I've got one more year until my credit age is in the green.
Do you think that will put me over 800 finally?
Yeah.
I mean, dude, the score goes up and down.
Honestly, it's vanity metrics, bro.
And over 740, it doesn't matter, bro.
Yeah, bro.
You're already in the excellent range.
You're fine.
Like, you're not going to get a better, you know what I mean?
Like, you go to the car dealership, they're not going to give you a bit.
Oh, wow.
Sorry, we can't give you this rate because you're 10 away from 800.
Sorry, buddy.
No, bro.
You're going to get the same rate that me and Fresh would probably get more than likely.
20 Minutes Until Live00:00:50
You know what I mean?
So, this is vanity.
Yeah, it's vanity.
I take solar.
Good questions, by the way, guys.
Yeah.
I take it.
Okay, cool.
We got it.
Okay.
Cool.
All right.
So, guys, girls are here.
We're going to be doing Fresh Fit After Hours here very soon.
We're just waiting on another two or whatever.
We'll probably be on, Chris, you want to call it?
What time we'll be on?
35.
11:35?
So in about 20 minutes, guys, we'll be back.
Cool.
All right.
Chris is going to bring the girls in, seen him, and we'll be live here in about 20 minutes.
We'll be live on Rumble, YouTube, all the platforms, man.
All 2026.
Not a bad showing for our first Money Monday back, man.
4K watching.
Yeah.
So, yeah.
Yeah, that's more than I want to preach.
So despite them having a way bigger audience and using only YouTube, niggas are trash.
So yeah, we'll see you guys back here in about 20 minutes.