Financial Fridays w/ The Family: The Black Gentleman Podcast (1.7.2021)

Sun the Scene, Sun. Scene, what's up? What's up with a family? What's the damn deal? Man? This is Junior the Truth Man, and this is indeed the Black Gentleman Podcast Man a special edition Financial Fridays. Man. Salute to the family. Hopefully y'all can hear me? Man, Let me see, let me make sure, double down, make sure were good. I think we're good. I think we're good. Yes, indeed, salute to everybody following you in Man in war willis? I see you? Family? Mster Finesse. What's good with your baby? Love is the word. Good morning to you, beautiful, the Beautiful tape, Tape Brown uh mm a and Combat Entertainment. Good morning, beautiful, I see you, Queen seventy one? What's up with your baby? Salute to you, Tis Frank. What's good with your homie? Yes, indeed, Man MJ's Total Health and Wellness enrichment. Salute family. Did I get Queen seventy one with the badazza on the back pockets? Good morning to you, beautiful, Thank you so much for falling through. Yes, indeed, Man, Salute to the homie. The scholar Kevin dunbar Over on the Junior the Truth Mobile, app I see you, Family, Salute to you. Salute to everybody, man for falling through. Really truly genuinely appreciate you. You have absolutely no idea. Man. Shout out to the LDBC Lions D in Boxing community. Be sure to go visit the website, join the website, become an official documented member of the Lions D in Boxing Community. Man www dot LDBC sports dot com. Salute to the Familyman over at Man, Salute to our sponsors. Man, Salute to the sponsors, Salute to the Familyman over at the Helm School, Man, the House of the re education of the Plant. The site is down right now and under construction, but you can go check them out when and where they're back up. Www dot Helm School dot com. Salute to the Queen and the team over at Big Mama Sauce. Man, she got that all day, every day anyway, Sauce. Be sure to go check her out. Www dot Bigmama Sauce dot com is www dot Big Mama Sauce dot com. Entering the code excuse me trying the cod Junior team and receive a ten percent discount off your entire purchase. Man the entire partice So Salute also Man, salute to everybody that supports the Punch Junkie brand. Man. We are. We have recently launched the newest installment of the Punch Junkie magazine Man, issue three, at the end of the year twenty twenty one. Issue Man. It is up and available. You can go get the digital the print format or the digital form www. Dot punch Junkie dot com. So salute, thank you for everybody that supports the Punch Junkie movement. And last but not least, of course, of the Black Gentleman Grooming Company. Man. So Man, without further do Man, I'm let me preface this by saying, I told you on our platform, Man, we were gonna begin to do things a little bit, a little bit different. Man. It's just, you know, it's time for us to push different envelopes, Man, and time for us to get off and the bark into different journeys in order to really truly make an impact. Man. We sprinkle this in all the time with regard to you know, our our regular conversations on the day in and day out basis with regard to the sport of boxing, sports entertainment, current events, on and so forth. But we want to really truly embark on these financial fridays with the family. Man. So I went out you feel me and connected with my brother that I talked to every day. And this is really truly an initiative that we've kind of been dragging our feet on. I'm gonna be honest, you know what I mean. We've been dragging our feet on, but we've decided that we're gonna come out and really truly work at this. So I have my brother, Thomas J. Feugh, a senior from Master and the Credit Game, the author of the Master and the Credit Game book, my brother from another mother. You feel me in the building. So let me, uh, what's going on with you? Thomas? Ken hears my far bro? Can hear me? Yeah? Okay, yeah, I hear you. Man. Good morning to you, bro, Good morning, Good morning. How you feel man? I'm good money man. How you feeling bro? Oh man, I'm good. Man. Over here. They gotta go somewhere, they gotta get out. They need to go get a job. You feel me? Hey, hey been he got four of my nephews. Man, Hey man, they heavy hitters, man, They heavy hitters. You feel me? They I mean they active, they boys. You feel me? So they super duper active. Man. But anyway, man, so once again, man, welcome to the platform. I really shouldn't welcome you because this our ship, you know what I mean, This is really the ship that we've just been really playing around with. But before I say this, bro, because I know it's gonna be some people who are gonna come over from your other platforms. Man, so I want to apologize them for my for my behavior in advance. Bro, you feel me. I'm I want to apologize if you're listening in from the other platforms, from the Mass and the Credit Game Group and so on and so forth. Man, this ain't your daddy Jack, you feel me. This is I'm different, man. So I'm apologized for my behavior, for my my bluntness, my straightforward, my curse words, my language and everything. But it's all in love, man, It's all in love. So go ahead, man, and introduce yourself to the people. Man. Introduced to some and reintroduce to most. Hey, what's good punch, junkie faun man just jumping on here on Thomas Few, author of the Master of the Credit Game book. Also, I am a realtor. That's what I do. I help people go out and you know, realize their real estate dreams. So you know, I love doing that on a daily basis. Been in financial services in some form for about the twenty last twenty plus years, done everything from taxes, the insurance, to credit to you know, banking to underwriting, so kind of been on all sides of the game, you know. So I try to you know, spill as much of as much as of it of that information that I can back out to the people. Just trying to help folks as much as possible improve their finances, and you know, kind of my my theme for twenty twenty two is leverage up. That's what we're gonna do. You know, we're not leveling up. We're gonna leverage up. We're gonna learn how to use the power of credit get ourselves and our families to the next level. So let's get it. Let's get it. Let's get it. Yes, indeed, so before we go any further, men tell the people how they can basically connect with you. So I'll actually post by link in the check. That's probably gonna be the easiest way. If I just put my link tree in that has all of my links, you can find me everywhere use of my link Tree, So go ahead check it out and has all my links, all my websites, whatever you're looking for, it's on that. Yes, indeed. And he recently launched the Master and the Credit Game group on Facebook. So everybody that's on Facebook, come join the group. Man, if you're not on Facebook, it's really truly worth it to actually create a Facebook and to join that group. But you know we're over there chopping that good game and receiving a whole bunch of credit information on the daily basis, you feel me, So this is real, Queen Sidney one said, let me let me get something to take notes. Man, you know what I mean. I told you, ladies always ready. I don't know what's up with the fellas. Man, Ladies be on it though, man, I do. Man, we well, let's talk about it. Man. Money's taboo, bro, Like I guess for us, man, because we had this conversation all the time, and so our whole goal is to just really truly open up our conversations to the world. You feel me. This is like, like I said, this is one of the few people in my life that I literally talk to every day. Like we literally talk every day. A couple of times a day. You feel me hours on end of conversation on a weekly basis, where we're talking about how to just basically get to the next level, how we were trying to get ourselves to the next level, trying to achieve our goals, dreams, trying to leave a mark for our families. So this is really truly an opportunity for us to open up these conversations to the world, for you all to be able to come in and plug into. One of the things that we talk about all the time, bro, is money and the taboo of money in our culture. When I say our culture, I'm talking specifically about black folks. Man. When you want to you want to fight on your hands, man, you start talking to black people about their money, Bro, you feel me. Historically black folks and money, the conversations don't take place. Unfortunately, that that lack of conversation trickles down to our children, and and and so on and so forth. So as far as the fact that financial literacy is really truly a real thing, BRO, let me ask you when did find When did you come to the realization bro, that financial literacy was like a real thing. I mean, I think for me, I mean honestly, when I got into the real world. I mean that's when I really got smacked with everything. You know, when I went out and you know, went to college and you know, got introduced to credits, bro, and got smacked over the head. Bro got you know, got done it, went out, you know, started getting these credit cards, and you know, just went from there. You know, when I started kind of you know, getting getting dug into that black hole and figuring out that I don't know what tell I'm doing out here in these financial streets. So I had to figure it out from there and started building, you know, and just learning the game. And you know, so I could, you know, stop taking these ls. More than anything else, I was tired. I get beat up, man, That's a fact, bro. Like it wasn't for me. It literally wasn't until I got the first couple of credit card statements that I couldn't pay, you feel me, like literally in college until then, Bro, I did not realize the importance of financial literacy, bro, especially you know from a broke college student perspective, like that is not the time to be learning. And remember remember, uh, bro, remember how easy it was to get them credit cards? Oh man, you know they used to be, you know, camped out on the yard. When you walk and took campus. They're giving you freak shit to sign up, man, Like please, you know, come take this car, come take that. So I'm signing up with everybody you know, loading them boys up. Man, that shit was predatory as fuck, bro, Like literally, that shit was predatory. It was criminal, Bro, that's what it was. You know. You you basically give eighteen year olds with no sense of financial literacy, don't know what's going on, and you giving them credit line saying go out and buy stuff. You know what I'm saying, go be in debt mm hm. And I had I probably had ten credit cards, Bro, I had like ten credit cards. Each of them had like a thousand dollars limit. One of them motherfuckers sucked around and gave me like five grand. You feel me? I remember you used to come home dog. He was like, Man, we're going to the mall, shining. We shining God. I used to be like, Bro, we going to this it's a basketball game tonight. Bro. We going to the game. Bro, everybody, we all go to the mall, get an outfit and swipe the card. You feel me? Get it? Let's go man, it was wow, bro, And my thought, you know then what she I'm going to the league fucking I take care of when I take care of it is what it is. I agree one hundred percent. I think you said the key word like that shit was criminal, bro. You feel me like given it literally, bro? And and at the end of the day, like like, Bro, we didn't we didn't have the appropriate excuse me, I didn't have the appropriate like schooling as to how to navigate that stuff. You feel me. I didn't know nothing about credit cards. I didn't know nothing about credit I didn't really know nothing about a bank account. I didn't. It wasn't I wasn't. I think I got my first bank account, Bro. I probably was eighteen when I got my first bank account. Now here's the irony of it, though, Tifu. I started working when I was like fifteen, but I didn't get a bank account until I was eighteen. So you remember giving your checks, Well, I gave my checks to my daddy. My daddy cash my checks and then gave me my money, Like yeah, that type of shit. That shit was just really truly taboo, man. And a lot of times is what I see now is I see people who never really graduated from that, right, and so people still live in this world where things are like taboo you feel me with regard to money. They don't really respect financial literacy. They don't. They don't. They choose at this point to not really embark on that. Excuse me, for instance, you know that they just like what you you do. For instance, right for what you do, the book that you've written, the groups that you've created, You have an actual credit service. I'm gonna tell it, brocause you know you half assing it. You got a credit service for people to plug into to improve their credit is free, you know what I'm saying. They can also get a consult take credit consultation from you on a one on one basis, You understand what I'm saying, where you really truly work with them. They can get that. That's not free. But a lot of the people that we know, right, Like, so a lot of the people that we know, our family friends love ones. And when I say people we know, I'm talking about people that you and I know, they don't take advantage of that. Bro, there's no like they look at that shit like, oh, you wrote a book and that's just it. You feel me? And they don't plug into it, knowing good and goddamn well, you know, good in the hell, well you over there with a five hundred credit score and you need to, you really truly need to take to take the advantage of this shit. But they don't, you feel me, Why is that, bron. It's you know, it's money, I mean, part of it with us, you know, just you know, with our culture, you know, I mean they're trying to it's embarrassment for a lot of times. I mean a lot of reasons. You know, they are ashamed of their situation. You know, they don't want somebody, you know, knowing, you know, pulling back the covers and really seeing what's going on up under there. Man. So they don't want to come to me, of course, because I know them, and you know, they on Facebook, they on Instagram, they're everywhere else, stuttling like they got one hundred percent of everything together, when in reality, they don't, you know, And believe me, I run into it every day because when I when I'm dealing with clients, especially when they're going out buying houses, and you know, they're trying to, you know, get in a situation where they can purchase and they pull that credit and start looking at their finances. Then the real show, real show come out, you know what I mean. They show exactly what's happening, show exactly how irresponsible you've been. And then it's a mad scramble trying to figure out, Okay, what do I need to do to get this together? So people just need to you. Know, when I'm talking to folks and I'm coaching them, it's all about money mindset, you know, starting out, always start with the mindset. You know, what what are your money habits? You know, did you and your family grow up talking about money? I'm saying, what what are your experience is? You know, how do you feel about it? Because most of us just psychological psychologically have bad money mindsets. We're negative when it comes to money. We're negative when we think about you know, finances, money coming into our household credit. So you have to change that first before you can do anything else. Nothing else is gonna work until you got the right mindset moving forward and you're positive and you're thinking. In the right ways to do things. Facts Man, Salute to the homie John Jones Man, my big brother John Jones over on the Facebook stream. I say you family. Salute man, thank you, he says John Jones. He actually went through this, you know, he was that pit with me and he said, yeah, they were supposed to write up outside the doors like they used to do credit card shit. That shit used to be jumping, bro, Like they had a bouncy houses and shit. Ah man, man, dry race boards, t shirts, basketballs like all types of shit, bro, Like all types of shit. And we all got in. I mean, we got literally in trouble. And I think, Man, I'm gonna be real with you, bro. I think then bear for me right should not be And this is me with my mature mind, like the embarrassment should not be the fact that we didn't know. And you look at your life now and you look at your finances and it's like, okay, man, Like that's not the embarrassment. Embarrassment ain't what you didn't know. You should be embarrassed if you take that, if you take your financial illiteracy and you pass that to your children, like that's the shit that's embarrassing. You feel me like you gotta like it's just like this shit crazy. You feel me? Like John, I'm looking at John on Facebook. We streaming live on Facebook on my personal Facebook channel. I don't even put this one on the junior the truth. And my brother said, he just now he's fIF them there fifty and he just now set up like a vacation account. You feel me, like, this is just the This is just like the stuff that we do and having done, you know what I'm saying, with like our financial awareness and our financial literacy and not really truly understanding how to what money is, you feel me? So if you so, let me ask you this and we talk about this once again, like what okay, what is money? Bro? Like? What literally is money? Say? Money is nothing more than a tool. You know, it's a tool to get what you want, get what you need in life. That's all it is. There's nothing more when you look at that piece of paper, I mean, it's it's just something that you leverage to go out and do the things that you need to do on a daily basis. You know, quite honestly, we know our dollar isn't backed by anything. So the only reason it has value is because we believe it has value. That's it. So we just have to start looking at you know, our tools and our tool belt, you know, like money, credit, whatever that whatever, that tool may be as something that we use as leverage to get whatever we're trying to get in life. That's all it is facts, And I look at it in the same way. You know what I'm saying, I use I have to be very intentional with my with my language. Like I look at money as a tool, right, and it's a tool to exchange, right because we we just basically exchange. That's all life is, bro for real. Life is just a long ass series of exchange when you really truly think about it, right, when you exchange, you exchange goods, you exchange, you know, services, you exchange, you know your time for money when you when you get married, there's an exchange with your wife. You feel me when you have kids and give and she give you a little bit. For those of y'all that have kids with your wife, you feel me, there's an exchange. You know, you motherfuckers out here making babies outside the way a lot, you feel me Like myself, we had an exchange, like literally, Like it's just a series of exchanges, period. And money is a tool that you leverage for exchange. Now, it's one of the many tools. There are other tools that you can leverage for exchange, please believe it. But money, like the financial meant that is supposed to be you know, backed by the government, insured and shiited by the government. Those that is just the tool for exchange. That's all is to it. You feel me. It is a tool. The more of it you have, the more you can engage in exchanges, you feel me, The more you can in ex excuse me, the more you can engage in financial exchanges. That's what money is, you feel me. The less of it you have, the less opportunities you're gonna have to engage in financial exchanges, that's it. That's oh, nothing more, nothing less to me. That's what money is. Money is a tool. Money is a key to exchange. Money is is just those things. So let me ask you this. I'm gona thw some I'm gonna throw some cut on the dope. What what is money? Not? Like? What what ain't? What? What money ain't I'm gonna just put it so we what the fuck is money not? What the fuck is money not? I mean money, money is not. Let's see. Let me let me let me try. Yeah, yeah, yeah, we put all this emphasis on money, right, What the fuck is money not? What? What is money? Not. I mean money is Let's see, money is not these things that we go out and buy with it. You know what I'm saying. Money is not what we try to. Show off, you know, like I always say social media because that's what people do. They try to show off their fake lives on social media. Money. That's not what money is for. You know. Money is to. Build up, build up, build up well for your family more than anything else. So money is not these things that we go out and buy, you know, these cars, these, these these gold chains, these you know whatever, whatever it is, your guilty pleasure is that you go out and spend it on. That's not what money is. You know. Money, Money is to be used responsibly to go out and build wealth and do what you do. You know you're supposed to do for your family. Man, stop stop bullshit and then go build, Go build like you're supposed to. That's what we was put here for. Mm hmm. Facts. I look at it like, bro, like, money is not happiness, you feel me. Money is not like, yeah, money ain't happiness. Money is not like, uh, it's not sexy, you feel me? Saluting my little brother decks falling through the Facebook saluted the guy In the super chat, he says, t feezy baby. He said t fees baby up in this motherfucker hashtag the Haven, hashtag go bucks. You feel me? Have you seen that? You've seen that trailer for for Jez and Turks, uh docuseries. You've seen the trailer tef you? Oh for sure? Man? Yeah, go ahead, it's dope. Yeah, that motherfucker about to go hard? You feel me go hard anyway? Yeah? Yeah, it is. Money is not. It's not happiness, bro. Money is not like sexy you feel me, or ship is not. I don't know, man, it's not sexual. Money is not. Uh, it don't make you solid, you feel me. Money. Money don't make you. Money don't make you a good person, you feel me. Money don't make you smart like money. It's all these things that money. Ain't You understand what I'm saying That we've we've associated a certain level of value to values the money that is just like that should be lame as fucked to me? Like, you know how many man, I'm gonna just take the cut off the door. You know how many lame ass niggas I know they got bread? Bro? You feel me like I know so many lamees they got money. You feel me like, it's so many suckers with money. It's so many unhappy people with money. You feel me so many people with man. I'm apologizing man to the people who come in here, who listening to this from your platform, man, people who you know, people who follow me know I'm a zip down full. I probably got some aunts and them in here being nosey too, So i'ma apologize to my auntie them and my mama probably didn't slip it in here and she listening though. But I know so many motherfuckers with money with dry dicks. You understand what I'm saying. Like money ain't is bro like money is, it's very very money is very very limited. You understand what I'm saying. You have to you have to h open up. You know what I mean, the possibilities with your money. But money is ultimately a tool that you use basically for exchange. Man. That's it. That's it. That's simple, man. We need to stop making it more than what it is. That's all it is, man, That's it, all right. So what's credit? Say? Credit? Oh man? Credit is a beast, that's what it is. Man. Like, when you understand start understanding this credit game though, that's when it starts taking your life to different levels that you could never experience, especially for people like us. You know that you know, come from our backgrounds. You know, we ain't come from no money. You know, we came from hard working, blue collar folks that was out here trying to get it out the dirt, trying to figure it out. You know a lot of you know, our parents were first time homeowners and our families and things like that. We were probably the first ones went to college. So we ain't we ain't come to no inheritence to get out here and start. Ain't nobody give us no big long some money to get out here and you know, you know, start building our lives. So credit is what I call a great equalizer man. You know, that's what we can use when we're not coming from money, if we understand it and learn how to leverage it. You know, learn how to leverage that too. That's when you can go out doing some major things, using done and had the power, using other people's money to get what you on in life and to do what you need to do in life, you know, when you're going out here. So credit is a monster That's what it is. And I encourage everybody. If you've not focused on your credit and not building your credit, now is the time. To do it. It's never too late. Start focusing on building that thing. And once you learn and once you see the power, it's gonna change your life. Mm hmm yeah, man, I my uh it's it's I mean, it's that credit, man like, it's it's it's a it's a huge difference. Man Like, it's a huge difference. And I know for me, like really truly when I bit down with life and embarked on the journey to actually improve my credit, you know what I mean, Like I did it, you know, break by break, and I really truly immerse myself in learning, you know what I mean, Because I'm a I'm a student at heart, bro. So like if I'm doing some shit like I want to learn, you understand what I'm saying. And that's why I have, Like I have so much information, but just about little stuff, you know what I mean. I'm saying it's insignificant, you know what I mean. But like I'm I'm a jack of like all trades and I've mastered very few. But I like literally, like you know, what I mean, jumped in and just immersed myself in it and like so much, too many different things opened up in my life. Bro Like like I ain't gonna lie to you, bro like to go from buying cars that got an oil leak. You understand what I'm saying. I'm trying to tell you, dog, I didn't been there and been through a dog. I didn't been to that lot. And they pull up your credit score, like all right, man, we ain't gonna look at thives up here. We're gonna take you back in the corner, take you all the way back to the corner in the back. You know what I'm saying. And you know you got cars just you know what I'm saying. On donuts, you know what I mean. I looking oil, but you're so desperate to get a car, you like, shoot, man, just give me one of them. Man, I need need a car like so nah, I mean, it's it's a whole different game. And on the flip side of that, when you walk in and you got you know, seven fifty credit SCRD plus you walking in, it's mister this and serve that, and they pouring coffee for you. You know what I'm saying, they they're laying out the red carpet for you. Dog. It's a whole different game them bitches. Man, I bought my I bought my electric car. Them bitches poured some liquor for me. They said, oh, what you want to Why I waited? They poured some liquor for me when I when I was up there, Uh in Columbus, the motherfuckers poured. Man. They hey, bro, like they I'm chilling. They ordered me some uh pizza and ship like they was. They act friendly as fuck. You know what I'm saying. People treat you different when you gotta good credit. It's like like smelling good versus walking out the house. Funky bro. It's a completely different game. Man. Man, it's different. And my car was brand new with the plastic and shit on it. Right, I ripped the plastic off my seats, you feel me, and zero miles on it. You understand what I'm saying. No, I mighty had like a half a mile on it. And they like, oh no, like it's brand new, and they're like no, no, no, we're gonna detail it. We're gonna detail it. So they went through detailed and and shit, I'm pulling all the tags off the off the leather and like, Bro, I'm like, whoa you feel me like it's. It's a different game, Bro. I remember, I remember you know we're still When I first got to Columbus, you were still up here. I remember buying a car of mors Road. Bro drove it. You remember that monster had bro six six two weeks Bro transmission about two weeks Bro. Mug. They did me, Hey Bro, Bro, they did it. They did you dirty? Yeah, man, Man, I couldn't get no car for car lots, so I bought it. I bought a car from a nigga with no tag, no title. You feel me. I bought a car in the street with no title and uh my homeboy, the home the brother uh Brenda ham Man beat him, Man may rest in peace. Man he man. He worked at a car lot, so he got me a stack of thirty day tags, Bro, and I just switched to thirty day tags, you feel me and drove the car for about a year. You feel me with no man, no credit. Bro. Remember that I was out here for loneliess Bro, I was we had to do Man. I started white, I started, I got down to my last tag, Bro, so I started whiting that whole out, you feel me. I got pulled over by the law on shock rod bro and the motherfucker went back there and started scratching up up, stretching the white out off, and she it was a lady officer. She came up and she looked at me and she's like, where are you going? And I was like, I'm going back to campus. She's like you in college? Like yes, ma'am, I go to the school up there, and she says, go back to campus. You feel me, Like, just get the fuck out of here. I took my dumb ass back to campus and I called it. I called the salvage yard to come get the car that next day, Like nah man. B Yeah, when you got to go through you know what I mean. When you don't understand finances, you don't have you know, true financial literacy, you don't understand credit that those are the choices. You know what I mean. So I mean when you understand all that, it opens up your choices to be able to do what you want to do. It gives you more opportunity, is what it's about. You know, it's you know, I know, I know I've been there before. You know, when my credit card is jacked up. You don't have options, man, you can't do nothing. You tied up, man, So you really you know, getting that getting that score, getting your financewers in order, getting your getting your financial get your financial house in order, is critical for you to have choices, man, That's what it's about. It's about control. You You control the scenario versus somebody else telling you what you can and can't do. Nah, I got this together over here. My stuff is tight. I'm gonna do what I want to do. You're not gonna sit here and tell me what I can do and what I can't do, what I can buy, what I can't buy. So so I'm just the type person in life. I love control. I gotta have control. So it's critical to have your finances in order for you to take back your control. Facts and I have to have like I have to have control. And this is don't get it twisted. This ain't controlling the world. This ain't trying to control you. He's talking about having control over yourself, having control over your family, having control over your decisions. It's nothing like going like when I bought my electric car right TFU, I had I had like I think four or five cars picked out all over the country. You feel me. I went away from all over the country because I realized then I would have to pay the title, you know, and all that kind of transfer, so it'd be the same amount of money, if no more. So I focused on in state, and I literally had a car right down the street and I walked away from it because they couldn't match the cost of the car that was up there were in Columbus. And the only reason why, and this is how I learned, And I realized, like it was an extra thousand dollars on this car because of the paint. So I didn't I realize now that red cars costs more than other colored cars, and so on and so forth. You feel me, which is, you know that's good for me cause I don't really fuck with with red on my vehicles, no way, you know what I'm saying. But anyway, and so I was able to, like literally I scraped them all the way down because of my credit, you feel me, in because of my money. I scraped them all the way down. And I said, you know what, like I'm not fucking with it, you know what I'm saying. So I was able to literally walk away from It Man, Salute to the hommy Brent Fox in the Super chat Man. He says, traditionally raised to get a job, pay bills. There was no conversation about building credit. Just pay your bills on time. That's it. Speak to that bro. That upbringing that we have, bro, That's probably the story that most of us grew up on. I mean, I know we all have family members that you know, ran around talking about you know, hey, I pay for everything, get cash. You know, they ain't thinking about no credit. Cash is king. You know, that's that was a phrase that was used, you know, quite a bit. You know, the they. Were lying to us, you know, telling us the cash was king. But yeah, I mean that's how I grew up as well. You know, nobody we never sat down at the kitchen table talking about money, talking about finances. You know, we didn't talk about any of that stuff. So by the time you get into the real world, it's all new to you. And you, you know, you're just taking lumps and bumps trying to figure it out, making tears that and you was a credit on his rigs side, set up, all set up for the banks and the lenders and financial institutions. Advantage because they want to keep your credit jacked up so they can keep charging you crazy high interest rates. Man, you got to think about that. When your credit is messed up, you actually creditors love you because then they can charge you thirty percent interest because they know you need it, they know you're desperate. So we gotta go out and start having these We got to break that current. So change that cycle and start having these conversations with our kids at a young age so they understand growing up what it's about, you know, and understand how to get in this game and actually win, you know, versus you know, taking the ls that they want us to take and want us to be stuck in these ruts that we can never get out of. The right And so you got to And then a part of the thing too, like with the financial awareness literally is like you said, like with those interest rights, Like for me, buying a vehicle with a one percent interest rate, you feel me, that means you get you you giving them one dollar on every hundred versus a thirty percent interest rate, which is very very do that's very very feasible to get a car and have a thirty percent interest interest rate, which means you're paying thirty dollars for every hundred. So for me, you know, I do the simple math, So thirty dollars, that's down near half to that's that's that's a third of the way to one hundred. You understand what I'm saying. So you're paying one one and one third dollar more. You know what I'm saying for every basic dollar that I'm spending. You understand what I'm say, like you when you look at it like that, and you look at it from that standpoint like that shit alone, just the fact that you get these interest rates and how that works, and then you know, banking in also them banking in the fact that you're probably gonna miss some payments or they're gonna be some late fees, or they're gonna be this, or they gonna be that, and you start racking up fees and shit on these loans and the next thing you know, you didn't pay that motherfucker two three times over easily, easily. And that's not even talking about the actual value of the vehicle that's already overpriced. You feel me, excuse me. So it's like it's a cold game. Like financial literacy or lack thereof is really truly a cold game, especially when you really understand what the financial institutions and the financial systems are are are literally what they're actually doing. You feel me. My brother John Jones is in here. He's talking about his daughter and he actually got his daughter a house in Cleveland. He says, the house game in Cleveland is booming. We need to invest, but everyone is scared to jump off the porch. And that's we're gonna we gonna definitely get to them in the future, you know what I'm saying. In the coming weeks, We're gonna definitely get on that John Jones for shit show. But just you know, it's it's just like you said before, it's the opportunity man, and it's a world of difference. And I listen to people say that, you know, and I've heard that cash is king shit and I fell into that shit for about five minutes. You feel me, And then I realized, like bro, I under and motherfuckers say shit like man should if I can't pay for it, I don't need it, you know what I'm saying. And then you hear that type of bullshit, right, and then your goddamn refrigerator go out. You feel me. And when your refrigerator go out, Now, you got to go get a new refrigerator, right, and you're gonna go out there, and that's gonna be a thousand dollars if you get a new refrigerator, if you get a used one, a didn't scratch one, or whatever the case may be, it's gonna be about four five hundred. You understand what I'm saying. And you get it for and dn ain't no guarantee that they give you a They give you a warranty like a ten day warranty on the on the on the refrigerator, and that's ben been dined and fucked up, and like this shit is crazy. Whereas if you go to and your credit is king or your credit is good, you go somewhere and they give you a ninety days same as cash, one hundred and eighty days same as cash. I've gotten twelve months same as cash. You feel me. Stuff? Yeah, And what that means is basically, they give you twenty four months to pay off this loan as zero percent interest, and they just give it to you because they want your business, So you take whatever it is. They give you twenty four months to pay it off because of your credit because they know that you're actually good for it. We want your business, we want they want to establish a loyal customer in you. You feel me that that is incredible and you have to and that is a part of credit and cash. The thing about cash is I understand cash is king, but I also understand that there's gonna be things that are gonna transpire in your life that you're not gonna be able to pay for. You feel me. Cash is limited, You feel me. And that's where credit comes in. When your cash is limited. And I mean that's just pretty much you know all, and it's you know, we've had situations where you look at and then you also open up yourself to different possibilities like you actually have. I've been in situations where I've saved money by leveraging credit. Okay, so if I go through like Ford Motor Credit, right, so now, if I get this loan with for motor credit, they'll give me another an additional ten thousand dollars off of a vehicle. You understand what I'm saying. And I have like a two percent interest rate or one percent interest rate or something stupid, You know what I'm saying. With the interest rate and so on and so forth. So that's available to you, which is not a that's not a cash is King conversation. You feel me because you're opening up yourself by being able to really truly leverage credit, because what is for it trying to do? They're trying to get you in as a loyal customer. You feel me, And I mean, and you you rule yourself out of those conversations when you sitting there thinking about or operating under the cash is King shit, That shit is bullshit. You feel me? You ain't, You don't. Don't none of us make so much money where we can just pay for everything we need. My file brough ahead. No, I was just gonna say you, I mean, we're never gonna be in a position where you're gonna be able to go out and buy everything that you need with cash. You know, when you need when you got to go out and buy a house nine times af teen, you ain't gonna have the money to pay for that cash. When you need to buy a car, most cases, you're not gonna have that. You know, you're not gonna be in a situation where you can just drop that money to buy buy it in cash. And even if you are, that's probably not the smartest decision because those dollars could be put somewhere else making making more money for you. Like we always talk about it. You say it, I say it all the time. When every one of my dollars need to go out to work every day, they need to bring me back some more money, bring me back another dollar, right, So you know, wouldn't it make more sense for me to leverage somebody else's money at a lower interest rate and pay it back over time and take my dollars and put it into an investment vehicle and go out and make my ten, twelve, fifteen to twenty percent return whatever that is, and win on both sides of that equation. You know, in that situation, man's fact. You understand what I'm saying. I mean, just the mere fact of when you really truly look at it like I mean, it's simple stuff like for me investing in investing in AT and T. You know what I'm saying, investing in AT and T, I leverage my credit at AT and T. Then I invest in AT and T, and my return on my investment mixed with my dividends that I get from AT and T pays the cost of my AT and T bill and my devices on AT and T. You feel me like, that's so I'm out of so my money that comes in from a daily basis does not go toward my AT and T bill, and it's all based on leveraging my credit and investing in AT and T. You feel me. There go Queen seventy one was talking about notes. There go some notes. You feel me. If your punk ass is a Nike fanatic, let Nike pay for your goddamn vice. Let Nike pay for your sneakers. You understand what I'm saying. Let that asset pay for what you're trying to do. That's what it's about. Build up assets that are paying for the things you like to do in life, so you ain't gotta go go work for them. That's that's the goal. It's about freeing up your time, you know, getting in a position where you don't have to get out the bed and go work every day to pay that car payment because you got an asset that's working for you out there. That's what it's about. Facts simple, simply put, we went, I got my track, My brother went with me to go pick out my my trick, my bike, you feel me when we went. I leveraged my leverage credit, got the got a loan for my trick, right, invested in c Do. Ce Do is the people that makes the canon. You know what I'm saying. Investing in ce Do up quite a bit on my investment. My investment has now paid for my motorcycle. You feel me like it's but it's it's ways that anyway we get we're putting the car before the horse man. We we were down and we're getting down the line because we got to have a show just where Yeah, yeah, we got to get back up to the surface. Let's swim back up to the top. Man. Like at the end of the day. Money is a tool. Is for exchange, man. Money is not happiness. Money is not going to make you uh uh do you know this foolishness? So my brother Jazz Seems, Man, this is a jazz, big Jazz. That's Ivy's little brother. You remember Ivory Siems. Yeah, yeah, that's her little brother with her big brother. This this motherfucker about six seven. But Jazz, he's a business owner. Jazz be out here, you know, moving and shaking with regards to the lawn hair, which I need to hogher ad. Jazz, I think I might need you to knock out my line this year. Bro, you feel me, but we'll talk, He says he wants to. He needs to fix his credit. He don't know where to start, And. I can tell you right now, Jazz, jump into my free group and I'm gonna give you all the game you need. I'm gonna lay it out for you. I'm laying out the red carpet for everybody that's in that group so you can get in there learn everything about credit. I'm trying to get everybody out here with seven fifty plus credit scores. That's my goal because that's. Gonna that's gonna change not only your life, that's gonna change generational because then you and be able to make some moves. So jump into my Facebook group to master the credit game group. If you go to my link tree, I'll post it again. It's got all my links. So it makes it real easy to get to everything that I got going on and plug into these different resources. But you know, I used to you know, I used to have a specific program where I would charge people, you know, to kind of fix their credit. But what I noticed was I would charge these people to fix their credit. They would go out, buy a house, buy a car, do whatever they were trying to do at the time, and then I see them back coming back to me in six months after that injected up again, after they messed it up, and I got tired of that cycle, Like, I'm not going to keep on doing that for people because it's not helping them. You know, it's not helping you if I go out and do it for you. So I'm gonna show you how to do it yourself in my group. It's completely free again. I'll take you step by step through it. You can ask questions in there and really learn about the power of credit and how to use credit properly so that you can go out and never get in that situation again. I don't want you to keep repeating that same cycle having those issues. So join the group, get in there, learn the game, and then go teach somebody else. That's my thing. I want to impact a million people out here. So if I can teach one, I can reach one or two. But then you reach somebody and then you read somebody in that cycle that continues to go on and on and on. We gotta spread this power in this financial knowledge. Yeah, I'm uh a Jazz. I'm sending you the I'm sending you the thing now, Bro, I just invited you to the group. He was because he's on Facebook. So I just invited you to the group. Also for a little brother for Jazz, I wanna at fu. I'm I want to buy his book. I want to buy a book for him. You got do you have copies of the crib Okay? So that's Jazzmin's book right there. I'm gonna buy it. I'm gonna buy it in jazz. Inbox me your address, bro, inbox me to address and your telephone number, but inbox me to address to send it to you. And I'm a I'm about that. I'm a buy that. Uh, I'm gonna buy that. I'm gonna buy that book and send it to you. Hold on, Queen, send anyone. I'm I'm anna hold on. Let me see if I can find you on here. She's trying to join the group. Uh, but I'm a buy jazz Jazz. Be sure, bro, you know jazz get the disappearing and shit, bro, be sure to be sure the man. Let me just share the link. Let me just get the link for the group. How the hell, I don't even know how to I'll send it to you, queen seventy one we uh, because I don't know how to do this. Seventy click on my link tree and there's a link on there that says Facebook master the credit game group and to take. You straight to it. Where to put the link tree in the chat? Again? Did you do it already? I just I just put it in there again. Yeah, and then I'll add the link tree to the description. But uh, yeah, Jazz, don't don't forget to inbox me. Jazz, inbox me your your address, man, so I can get that book sent to you. Hopefully he's still in there. He might have slid out. But anyway, So what are what are? What are as a people? And I'm going right back to us, you know what I'm saying. I'm going right back to us again. What are the would you say is the biggest pitfall for us financially just as a collective? I think biggest pitfall for us, I'm gonna say honestly is pride. Man, That's how big. That's our biggest issue? Man. We just we won't go ask for help. We won't go ask the questions, you know, we were too ashamed, too afraid to let. Somebody know that we don't know, that, we don't know what we don't know. So we got to get out of our own ways and just be willing to ask the questions, be willing to you know, put aside embarrassment, because there is no embarrassment at the end of the day. That man across the street, he ain't got nothing to do. What's going on in your house. You got to make sure that you're doing what you need to do to you know, build for your family. So stop being prideful, stop being embarrassed, stop being ashamed, and ask for help. It's okay. You know everybody, at the point in time, you can't know everything about everything you know, so at some point in time you got to go see some expertise and ask for help and do what you need to do to get what you need to get. That's it, m. I think it's yeah, man. I think pride is a I think pride is a motherfucker man. And I think being a shame bro like people like literally excuse me, people, damn excuse me, the coffee boy strong people literally are ashamed like and when you ashamed, you become resentful. Right, that's what we do. So when instead of like being a shame acknowledging, you know what I mean, that you know the mistakes that you've made, right, instead of doing that and moving forward to make the necessary corrections, we just become resentful. Right. So it's no different than like when you fuck up in the relationship, right, you fuck up in the relationship, y'all have a breakup. Instead of you acknowledging that you fucked up and coming and making appropriate atonement for fucking up, you go off on that man fuck her or women fucking girl fuck him, like, never really acknowledging the bullshit that you was on. You feel me it's all his fault and all her fault. Go ahead, what I was just gonna say, what's our favorite word? We talk about it every day. Accountability? Yeah, accountability. And that's and instead of having accountability or you know, your financial decisions, you feel me like, you just become resentful. So what do you do? You understand what I'm saying, Your cousin go buy a house, you know what I mean, and a big ass, nice ass house, and you go out there and be on that bullshit, you know what I mean, motherfucker's buy a car and you be like a, look at this motherfucker. Man, fuck that car. You know what I'm saying, Like you become resentful and hateful and shit like that, and at the end of the day, motherfucker, your life looked just like you didn't lived it. Dog, you feel me, That's something my spiritual father said to me. Like your life looked just like you didn't live that motherfucker. Bruh. So, if your credit is shit fucked up, your life looks like you've You've lived a life that's fucked up with your with your credit fucked up, like the way you've lived your life with be indicative of your credit being fucked up. You understand what I'm saying. If you out here and you got a whole bunch of bodies, you know you got a whole bunch of dead bodies, meaning you then fuck the whole lot of people. Your life looks exactly like you've lived it. You got all this trauma that you bring into a relationship like that, shit's real. Your life looks just like you've lived it. If you have not achieve the shit that you want to achieve in your life, guess what bitch, that's your fault. You understand what I'm saying, Like, that's on you. You feel me. Your life, Look, you made the conscientious decision not to pursue the shit that you were supposed to the pursuing your life, bro, And that's not on me. Bitch. If you hate working and you hate going to your job every day, your life looks like you've lived it. You've made the conscientious decision to take your whole ass to that job and work for them people that you hate being around, Like you make your life looks just like you've lived it. Don't bring that bullshit over here to me. Fuck you, you feel me. And financially it's the same shit, Like, bro, Yo, our lives look like we've lived them. Financially is nobody else's fault. The beauty of it is you don't have to stay there. You understand what I'm saying, Like, you literally don't have to stay there. All you have to do is make the decision and do it. So let me ask you, bro, on the for real We're gonna have a for real conversation, bru. How how difficult is it for somebody to fix their credit? Honestly, it's not hard. I mean, the process itself is not difficult. What's difficult is the fact that they can get tedious. You know, it can be time consuming. You have to you have to be willing to stick with it and fight through it because a lot of times, you you know, people if you've ever tried to clean up your credit for example, you know, and you send them dispute letters in they not responding or they're saying they did they verified it, or they did whatever they said they did. When they didn't, you give up in most cases. You know, people get frustrated, they give up. So you got to be able to stick with it and stay with it, you know, over the timeframe. But it's not hard at all. The process is simple. You know. Credit is so like when I when I start looking at it and understanding it and not realizing it, you know, it wasn't some big complicated thing. It's very very simple. It's very straightforward. It just my eyes just opened up. I'm like, oh my gosh, I can't believe I've been letting this monster beat up on me all these years when it's just freaking simple, Like you just got to go out and you know, be diligent and stay with it and be consistent, and anybody can, you know, build up their credit to where it needs to be. It's not hard. That's why I say, you don't have to go out and pay somebody to fix your credit. You don't because it's easy. You know, it's it's simple. You know, I'll give you the step by step process. You just gotta be willing to stick away it you do to take the proper steps to get it done. Bru, you're making us some enemies, bro. Don't be making us enemies. Broad. These credit cruds out here gonna be coming up and fucking over here fucking with me. Hey man, Fuck then I'm out here trying to help my people, bro, Like I'm not. I'm not gonna have my people out here being take advantage of it, brus, Like, Look, you can do this yourself. You don't have to go out and pay these people. I mean because believe me, I was in the game. You know I was getting people paying me hundreds and thousands of down with me hundreds, sometimes some people thousands to fix their credit profile. Man, and they still don't understand credit. Like I can't. I could keep doing. That to people, bro, Like I want to help you like, I want you to learn this stuff so you never have to come pay me again. I don't want you to keep coming back to me. I mean I love. Don't get me wrong. I want I want the money, but I don't want it that way. You know. It's it's different ways for me to go out here and get my money. I'd rather help my people, uplift my folks. Let's let's get out here and get it together. Man, you ain't gotta keep getting taking advantage of them. That's bullshit. Wow, they gonna be hot with me, bro. I'm giving all the game away. I ain't hold nothing back. I'm getting all the way you go. Hey, bro, We're gonna end up in some fights. Fuck it. Fuck it is what it is at the end of the day. But that's just it, you know what I mean. And that's also a huge part of it. Ricky Williams says, bruh talk talking like me. What's the group fam? And put that link You gotta throw that link tree in there again. I'ma have a link tree in the description of the video. I don't when you put it in here, I don't see it's not coming up on my end. But I don't. That don't mean nothing. My shit is it's trippy. A. J C said, Who's who this? I'm late, j C. You late. First of all. Secondly, this is Thomas Few Thomas J. Fugh Senior Man, the author of Mastering the Credit Game Man, my brother, Thomas Few Man. And we ain't here. We ain't here getting this financial ship in order. You understand what I'm saying. That's what we're doing. We ain't here getting this financial ship in order. At the end of the day though, but but but also once again, when you see this and I want to speak to this, she says, we're not seeing it. Yeah, we're not seeing the link tree. Bro. We don't. We don't let me see. I'm putting in a chat on YouTube. I'm not sure. Yeah, I don't. I don't even see it on YouTube, bro, And I'm seeing everything on YouTube. Maybe it's not letting you. You're probably blocking. Yeah. The salute to my sisterem uh to Nari. You understand what I'm saying. Salute to the indigenous people of this land. What's up with a baby? Good morning? She says, Thank you, junior. The truth this is necessary. Salute to the Queen man my sister. Uh yeah, jac said, I got the book. He said, thanks mster Few, I'm on it. Yeah, j C, that's that's big Jake. You ain't come to Atlanta, Bro, that's j C with the chicken tenders. You feel me, Yeah, he know all about that. He knows about j C. You feel me, know about Trio will pulling up. He know about Queen seventy one with the badazzles on her booty. You feel me like you know, you know without everybody? Man? Yeserstand what I'm saying. I just can't you know what I mean. I can't get anything to come that. He be busy man, so he can't. He ain't got time to come see fights with us. What I'm saying. Some folks when he was down in Dallas, Man, I did meet some folks down. There, true, true, yeah, true. We was in Dallas, drunk in the motherfucker well, I was drunk. Yeah. They said I gotta have a rinch to drop the linga man. I ain't got no rinch. Ain't a mechanic up in this bitch man wrench? What the fuck? Hold on? Let me see we gotta get this done right now where we at? Sorry, y'all. I'm but it's imperative that we we get this cut. Okay, let me see where you. I don't even let me see where the fuck is. Let me see. Just type something, just type hello in there, bro, let me see. Let me get this wrench done right now. Why why you ain't got that? No, because you had you had like Fusion Financial and all that ship. Yeah, I don't even see hello. No he went there. You go say, Yo, I see you. He wasn't that. He wasn't that, he wasn't negotchets. He didn't come to He didn't come, Bro, he didn't come. Damn. I can't even this this YouTube. Boy, they on some they on some sketchy but my kids up running around like they be. Man, I don't know what's up with YouTube. Bro. They I can't even damn, I see the yo. It won't let me. I can't see you. All right, I'll get the ill, get the wrench done. Can you if you go on the stream on the stream yard, can you see that what I just sent you? Oh? Yeah, smart see you're a sweet smart motherfucker. Yeah, there you go. He's a sweet smart mother. I apologize to your to your listeners. That's listening in man, for all this foul language. Hey man, they gonna get the same thing for me. And if y'all offended, fuck you go somewhere else you feel me. Okay, Okay, I got it. Okay, So let me go. Let me come over here, y'all to the chat. I'm gonna put the link tree in the description and that way y'all can go. Damn. There you go. There go, baby, there you go. Baby. Let me do it again one more time. I mean, I'm sure y'all how to spam. You're in there, and now that's the link tree. Man, click on the link tree, and that'll get you. That'll get you over there and get you everywhere that you need to be. Man, man, we only got that. It's nine eleven, bro. We gotta so all right, well let's take it. Let's let's let's let's let's let's take it this way. So once again, what are some of the things that you see from with regard to credit and the lack of financial awareness? Right, what are some of the predatory pitfalls that you see? Like, what are some of the predatory things One of the things we just talked about, you had these credit gurules who come out and they you know, plug you into these credit programs. They charge you hundreds and hundreds of dollars to repair your credit. You feel me, What are some of the other fit pitfalls that you see that with regard to predatory shit? I mean we, I mean we grew up. I mean especially you know, if you if you grew up from the hood, you know this this simple things. You know, we we grew up around predatory stuff when it came to our finances everywhere, you know, from the you know, the payday lenders, the check cashers, you know, all of that, all of that kind of stuff that you know, we grew up around. And people get trapped in those cycles where they can't get out, you know, I don't I don't know if you've ever taken a pay day loan before, but it got about three hundred percent interests on it, you know, and then once you take one, you need another one to pay off the next one, and another one to pay off the next one. You can never get out, You can never get out of it. The tax industry used to get us, you know, with them them wrapping refunds. They used to do, you know, with with one hundred percent you know, three hundred percent more than that interest on those you know, for our tax refunds when you can get those back you know, within a week anyway, you know, and there, and they charged. You all this interest to go out and get it in the day. So things like that, you know, of course, then't the idol industry we talked about, you know, from paying the high interest loans to buy here, pay here, lots and different things like that, had to take a bit of our community, you know, paying all this extra interest on you know, broke down raggedy cars that we can no longer drive. You know, that's another another thing that we hit with. I mean it's been it's all over the place, it's all around us. You know, they take advantage of us. Shoot, let's let's start the core. It is the freaking banking system. You know how they take advantage of us. That you go in there, they want your money, You put your depositive in, they don't pay you no interest on it. And then you go to try to borrow some money. They either charge you a crazy interest or they say no, like wait a minute, you got my money in the bank, but I can't borrow from you. They don't even make sense. That's another way we've been taking advantage of in real estate. You know, there's there's different ways that we've been taking advantage of over the years, you know, from you know, the red lining that took place in history to you know, just different you know, predatory financing that was out in place that took advantage of us with you know, high interest loans or variable variable rate loans that a lot of people lost their homes in the housing crash because of that. So, I mean, there's so many different ways that the financial system has taken advantage of our lack of knowledge, our ignorance more than anything else. And that's what I try to spread as much knowledge as possible so people don't fall for those tracks anymore, and they're put in a position where, like we talked about at the beginning the show, it's about having control, you know, and being in a position where you don't have to just take what they giving you. You know, you're you're in control of your life, in control of your finances, and you can do what you want to do in that situation and don't have to just take what they. Throw in your face. Man, because most of the time they trying to get you. Period. Yeah, they gonna get you. They get you coming, and they get you and they get you going. And the funny thing about it is like when you really truly think about it, man, and you really truly, when you really truly like dial into it, man, you just realize how much bullshit is in the game. Bro, Like every step. You know what I'm saying, everything from like you said, because I had I was in a position where I had them pay the loans before. You know what I'm saying, because my money was funny. You know what I mean. You live life money funny. Credit won't get it, you feel me. And I've been in those situations where I've had those payday loans before and it's a non ending cycle. I've been in the situation. I've been in a situation where I have those I had a rush card, you feel me. I'm if I ever get close enough to Russell Simmons, IM gonna kick him in his nuts. Bro. I can't believe you was doing that to people. Bro, It's ill man. A rush card where you know what I'm saying. You get you get the card, you gotta pay the add money on it, then you gotta pay like a monthly fee. Then you get man, and then you have motherfuckers who literally like direct deposited day ship and they did it because it was black owned and so on and so forth. Man. That's why I'm telling you, bro, I don't be having no use for these monkey ass niggas, Bri. I ain't gonna sit here and hold you like anybody got to come out here and do that to your people, Bro, like you literally gonna do that to your people. You feel me like im, But it's it's so much shit, like so many we talked about the car lots, we talked about we talked about all that shit like we it's just not having financial awareness and and and and you know, I mean really truly when you don't know money and you don't have financial literacy, like you don't really know the value of money, right, And what happens when you don't know the value of money You overpay for shit, like you will literally overpay for shit like you monkey ass you like you motherfucker's running around here buying Jordan's, bro, paying four five six hundred dollars for the Jay's that came out in nineteen ninety six. Bro, you feel me like that's like you have like cuz you feel me and it's now and it's in the game. It's so cold now, bro. Like they have people that literally go out right and they go like out on like eBay, or they go out on or they go to like little shopping stores like Rut like Ross and Burlington co Factory and shit like that, right, and they find shoes and they buy shoes, and a lot of them will just wait, you know what I'm saying, Like they'll find some J's and then they'll wait, you know what I mean, and then they all release on for sale and make you know what I'm saying, a two hundred three hundred percent profit. Like it's people who like do all these different things with this shit because you don't really we don't know the money and the value of actual money. Like but like it's just you do all kinds of stuff, bro, Like motherfuckers sit there. I mean it'd be simple stuff, bro. Car repairs ship that you are overpaid for when you really truly don't know the value of money. And that's all a part of like financial literacy. You feel me for me, one of the things I do on the financially literate side, Bros. I shop around like I don't make anyone, but I shop around. I'm looking. You feel me like I'm literally looking. But anyway, I just think that we just we just open up ourselves to a lot of predatory acts by folks man the moment, we're not serious about financial literacy man at all, like it really truly is an issue. But hold on, bro, let's take a let's take a pause there, real real quick man, and. We want to help the slag slag and style class and luxury. Luck. Sure there you got probate for you, the top polite cat to get a start. Wish the black. Swag st styluxury. Yeah, yes, indeed, man, Yes, indeed, one time for the Black Gentleman Groom and Company. Man, we do have a line of our natural handcrafted grooming products specifically with the Black Kings and Queens and mind I'll be sure to come check us out www dot the Black gen dot com or get download the Black Gentleman Groom and Company Mobile Brother your Team appor Team Android. We do have a mobile for unit is absolutely one free salute to my cousin, My cousin Anthony Andrews in the building. What's up with it. Cutting salute. So all right, bro, we're gonna we're gonna go ahead on and do something a little litle bit different real quick before we get up out of here, excuse me, and that is we're gonna open up the phone lines. Man. We're gonna open up the phone lines. Of the phone line is open five one three eight one seven zero zero two zero. Man. Anybody that has any questions you understand what I'm saying, Questions that you just you know, gotta get answered, or you're looking for clarity from you might be confused. Uh, you're probably listening to your aunt Timm and cousin them with regard to credit or whatever the case may be. You got some shit you need to get cleared up. Man, you can call in the number. The phone number is five one three eight one seven zero zero two zero. So salute once again, y'all. Go in, man, join the Uh we got the link tree right there. Come on over and join the credit group. Man. We in there getting it in on Facebook. Like I said, if you don't have a Facebook account, then you can go ahead on and create one. You feel me. People probably won't call in bro, because they, like we said before, you know, that pride fuckers be you know, ashamed that shit to talk about finances. But but the thing is, you know, I know you you know, people are sitting out there thinking, you know, oh man, I don't want people to know I don't have my stuff together. I ain't. None of us got it all together. Man. We all got, you know, something that we're working on, man, something that we're having. We've had issues with our mistakes that we've made. We've all been there, I mean, and at the end of the day, life happens to everybody. You know, I don't care who you are. That's gonna come a time in life where life is gonna smack you over the head and you're gonna have some issues and it may cause you to have some you know, some some credit issues, some financial issues for you to fall behind. And that's nothing to be ashamed of. Man, that's nothing to be embarrassed of. It's more of our people that's embarrassed to have. I have, you know them other folks, they come to me all the time with no problem. Hey man, my credits messed up. I need help. They'll tell me all the time, I need some help, you know, show me how to get there. They have no problem asking for help. We're the only ones that let our pride, you know, keep us from reaching out and asking somebody who has. The expertise that you need to help you get to where you're trying to get to. What's wrong with that? There's absolutely nothing wrong with thatself. Man. Yeah, so little queen said anyone said, she just went on and bought the book. I told you, queen be on it, and she waiting on you to let her in the Facebook group. Man, you feel me? I got it. I got it. I'm gonna go. I'm gonna go let her in here in the second. Yeah, as soon as we get off here. We're about to actually get off here in a minute, so I can get out of everybody's way. But we do have a car. Hold on one second. Let me see we got a call. Uh, let me see you. Sej in there. I got no questions. The book answered everything. Get the book. I'm over seven hundred credit credit score. Now see. He took action. That's all it is. Take action. Damn two one. What's up with it? Junior? This is Brent fo what's up with it? Brent Fox? Oh Man, not much, brother, mister Hugh, thank you for coming to the show. Brother, Uh, financial conversations are always tough ones to have, but I definitely needed this. Just had a scenario here for you. My wife and I are actually working on trying to get out of there now. Unfortunately we took out like a I think it was a twenty thousand dollars home to try to get some things on financially, and of course we're having to like go out of our full on one page and things of that nature to try to get back on track. Is there, like any is there any other type of solution that we could probably go about as far as just making sure that we get back on track the way that we should. I mean, more than more than anything moving forward. I mean it starts with having a financial plan. So I mean, I'll ask you the first question, do you guys have it? Do you usually live by a monthly budget? Do you sit down and look at your finances and have that conversation with your wife and truly look at what y'all got coming in, what y'all got going out? Do you make a plan on a monthly basis? Yes, sir, So that's where that's where it starts. So when you look at your finances and you're sitting down and having that conversation. I mean, the key thing is number one, of course, make sure that you have all your regular monthly overhead taken care of. And then number two, you come up with a strategy to pay down the debt. So you start looking at it. I know Dave Ramsey talks about it a lot. His method, you know, we're not his method, but a method is that debt snowball method, you know, and that's one way where you're looking at you know, all the debts that we have, You lay them out on the sheet of paper, You look at the balances, you look at the interest rates on those, see which one has the highest interest rate on. It, and start knocking them out one by one. You know, the key thing is is just being strategic. About how you're paying off your debt. And you know, once you start knocking those debts off one by one and you get that feeling of accomplishment, you start building up that momentum. Before you know it, that whole debt will be gone. You know, just from that, you know, building up with the snowball method. And if you're not familiar with it, look up that method of paying off your debt and I can also send you some information on it. If you poster, shoot me your email address and I can send you some info and spread seats and different things that I have or different resources that will help you get there. Another easy way to track your finances. I don't know how you do it if you're doing it by paper or you know how you how you actually do it, but use mint dot com. That's another resource that's it'll automate a lot of things for you. It helps you build up that financial plan, creates transparency because that's one of the biggest things is people don't look at their finances. They're not proactive about it. So the more you look at them, the more you're creating that financial plan and following up, the better it'll get over time. Okay, what was that website again? Uh? Mint dot com, M I n T dot com. It's a free resource and literally it helps you create financial plans. You can link it up to you can link it up to your bank accounts, your credit cards. It'll literally track. All your financials for you and make sure that you're sticking to your plan. It'll give you notifications. It really hold you accountable as far as what you said you were gonna do. It'll notify you ad you said you was only gonna spend one hundred dollars in this category. You just went over what's up? You know, So it really helps you as far as you know, keeping that visibility and trans experiency on what's going on with your finances. Okay, all right, well, thank you man. I really do appreciate. This, and hopefully man, I'll see y'all both at the family reunion. Comes fit. Yes, indeed, let's get it. Yes, indeed in a minute, man, salute, man, I appreciate you, Brent, hey man, thank y'all. Yes, sir, hold on, let me give him. Yeah, there we go. Yeah, salute and men dot com, y'all owe us some money. Man. We're gonna invoice, y'all you feel me? Yeah, y'all got an invoice. We got to brother out here standing on y'all standing by y'all. Product Hey man, I once again, man, the line is open. Man uh five one three eight one seven zero zero two damn all right. Hold on, hold on, I'll see it before you go there. I see a question flying trill will I mean he said, when we when we when you remove a credit for it works negatively towards your credit and that's exactly right because the reason is number one, it shows it takes away some available credit. You know, one of the biggest categories when it comes to calculating your credit score is credit utilization. So the more available credit you have, typically the higher your score will be. So that's one reason and the other reason. It also impacts your average age of accounts. So when you take say you had a credit card that was on there and it's been on your credit report for ten years and you take that away, that lessens the average age of your accounts, which will lower your credit score then as well. So it's critical that if you have a credit card on there, even if you're not not using it, lead that credit card open, you know, on your credit card, lead that line of credit open, because that'll help, you know, still build your credit profile over time. So Amen, five oh seven, you in the building. What's up with a family? Hey? What's up? Junior? How y'all doing? Peace to the gods man? It's Rick. How you doing, man? It's all good. Rick, Salute till your family go ahead. Hey, let the god know, I guess or the book man. You know what I'm saying, you know what, I'm saying, support y'all. But hey, man, the problem I'm having with the side hustles. Man, what's what's the easiest side hustle to get into? Bro, I'm trying to get more from the income. What y'all got on that, bro? I would jump in, Man, off the top of the dome, man, I would jump in and get into moving freight. And what kind of vehicle do you have? I gotta pick up you gotta pickup truck. So you need to go. There's a there's a couple of apps that you need to download, man, like today, Like there's the Roady app. I would download. Also there's the dispatch it. I would start with those two. Really start with Roady, you feel me. Roady is basically it's Uber, but it's just for freight. You ain't carrying people around. You just carry stuff and objects. So you can get on Roady and easily, like you can easily if you get on Roady and you really and what city are you in? I'm in Rochester, Minnesota's in southern minnesoutheast Minnesota. Okay, so you're gonna have so you're gonna have stuff in there, like you probably be able to clear a couple hundred dollars a day if you like literally get on it and or or and if you work on a weekend, Let's say you work like Friday till like Saturday, and you just get on you know what I'm saying, and get loads and shit and just move stuff around. You literally can make you, know what I'm saying, a couple hundred dollars extra, you understand. So I would I would literally do that. I would suggest that. And then also, man, I would really truly suggest man that are you currently actively invested in the stock market? Yeah? Man, I'll mess with Scot's and bitcoin. Okay, so you mess with stocks and big cooin, do you? And I would I would literally be I would literally start to kind of look at looking at viewing investing as an opportunity for a side hustle. And especially if you're if you're putting me in like extra money, you understand what I'm saying, or you know. One of the things that I've done is I've created a stream of revenue of revenue by basically moving my my business account from the financial institution into the market, so that that money is constantly growing. So when I have, Like I just recently had a two thousand dollars I had a two thousand dollars unanticipated financial situation, right, so instead of me scrambling and trying to figure out what the fuck I did, I've been in loose At Motors for quite some time, and Lucid Motors has had a run, and I'm up like one hundred and sumi percenting and loose At Motors. So I actually just cashed out a few shares of Lucid Motor to cover that, you feel me. And so now when I get back, when I get money coming back from my side hustles or whatever, I'll replenish that money that I take out and I'll put it back in the market to replace what I took out and continue to allow it to grow. So for me, one of the biggest side hustles that you can do right now is to really truly get into freight, like really truly get into moving moving freight around your city, especially with a pickup truck, because the possibility is going to be endless. So you could do those. A go ahead, yeah, especially with you know how transit is down right now, and they're looking for truckers. Right you're looking for drivers, yep. And then also another thing that another go ahead, let me tell you this. Another thing that you can do is go to craigs list. And when you go to craigs list, just put in pickup truck. You feel me, And when you type in pickup truck you'll see different companies that need people with pickup trucks, you know what I'm saying. So you might be able to move some palettes, you might be able to move freight like. There are things that you can literally do with your with your pickup truck to make money. What's the other appro. The other app is dispatch it. So just put it in dispatch and it'll come up. It's dispatch it. It's like a it's like blue and white. It's a blue circle with a white d on it. I'm on it. I'm on it. Bro. I appreciate you, man, Thanks so much. Man, Yes, sir, yes, sorry, the. Brothers sound like me. Man. We need to start just the game been so twenty times over. Bro, it's kind of take care of our people so we can all get past this. Bro. Yes, indeed, yes, indeed, that's what about Okay broun a minute, all right, take yes, sir, amen and and dang bro we uh. I know we had, I know we had cut off the time. Man, it's just heating up. That's because I ain't start this motherfucker on time. Man, you feel me, But I'm I'm a go ahead, hey, before you jump off out of see. Sean was asking a question. It's hard to get rid of a closed credit card account, get rid of so my question for I mean, I guess I want to clarify with Sean. Are you talking about as far as getting removed from your credit report or specifically when you say try to get rid of it? What are you asking just to make sure? I man, see your question right. It's a lut to Mike pa Man cousin, Mike Pole in the building, what's up with hey, bruh. My first memory of Mike Powe was him dunking on us in the in your basement, on that little rim. Hey man. We used to go at it the basement. Bro. We used to have battles, battles on that little that little six foot rim in the basements, baby. He said. Okay, he says, with with freight, with the freight, do you need freight license to move with a truck. Is that what he's saying? And I guess, uh, I guess that question is for me? Is that what that's the question you was talking about? Well, there's another question he had asked about, is it hard to get rid of a closed credit account? I was just trying to clarify that. But yeah, that one is for you to okay. With the freight. No, you don't need a freight license, bro, you don't. You don't need a freight license. You can go through those apps. You understand what I'm saying. And that's with the and that's with the even if you have a box truck, a pickup truck or whatever the case. Maybe now if you're dealing with like an eighteen wheeler, then you in a whole different conversation. You know what I'm saying. He says, yes, off your credit report, uh, Tifa. So it depends, I mean the first question I have to ask you know, and it depends on your situation and looking at your report, is it a count that you should remove or is it a is it a negative account or does it have positive history on it? Because if it's a closed account that has positive history on it, you probably don't want to remove that on it. Remove that because that could actually have a negative impact on your overall credit score. So if it's got positive payment history, I would leave that on there. But if it is one with negative fayment history or something with some issues on it, you can dispute it, you can't get it removed. There's a process that you would have to go through with the credit reporting agencies called credit verification on that side, where you go out and force them to verify that account. Because it has to be for a credit or report anything on your credit report, it has to meet certain criteria. Number one, it has to be one hundred percent accurate. Number two, it has to be one hundred percent verifiable, meaning they can go out and verify that it truly belongs to you. And the third one is it has to be it has to fit within the statute of limitations, meaning that depending on your state, there's different levels of statute of limitation meaning how long they can actually report that account on your credit report, So it varies depending on the situation. I would really want to look at it and see what you have going on to determine if it is something you should even focus on it. It might not even be hurting your credit at this point. So yes, indeed, man, yes indeed, all right, all right, all right, all right, So look, my brother Drew Titan is actually live. So we're gonna we're gonna move the party. You feel me? I know, I know, y'all. Now we got to go back to box and talk. You feel me? But look, I'm gonna let the cut out the bag. This is something that we've been wrestling with and really truly looking at doing, and we plan on actually doing this. A little to my sister Stacey, few on the building, what's up with it? Staces, a little baby, this is something that we're planning on doing. We're gonna continue to do this every Friday. We're gonna have these financial Friday, or at least that's the plan. It's for us to start to do this because we've been bullshit and we've been meaning to launch this initiative probably for about a year over a year, because we have a lot of other things that we can do, and so we're gonna start this with this platform and then it'll just be Friday. So every Friday, you're gonna come in here. So we're gonna do the punch Junkie from Monday through Thursday. And then you know that the fridays are you gonna These are gonna be financial fridays here on this platform. So bring your ass. You understand what I'm saying, and bring somebody else with them fucked up situations. Bring the ass too. You understand what I'm saying. So we can begin to get better. Man, We can begin to get better, all right, man, t if you tell the people how they can follow you and give them your partner words man for the day. So again, the easiest way, man, jump on that link tree. Junior posted that. In posted that in chat, So jump on that link tree. Follow me as all my links, all my sites, join the Facebook credit group. Jumping there is absolutely free. I have a free do it. Yourself platform that's in there as well that our launched recently. So jump in there. And my partner words is is take action. Man, Like stop sitting here and hearing all this good knowledge. I mean, Junior, get on here every day and get y'all game. Man it give y'all free game every day, and I know ninety percent of y'all don't take any action with it. So what I my partnering words are, take action? Go do what you need to do, stop sitting on it, stop thinking about it, and go go do what you need to do to get your get your house in order. Man, make it happen. Yes, indeed, man, So once again, I ain't this ain't no farewell and nothing like that. We'll be back next week, you know what I'm saying. Definitely, So I'm gonna take my brother out of there. Man. Salute to the family. Really truly genuinely appreciate y'all men for falling through. You have absolutely no idea man, none whatsoever. Thank you guys so much for tapping in with this. What now is the Black Gentleman groupment I mean, excuse me, the Black Gentleman Podcast Man, brought to you by yours truly Junior The Truth, a collaboration with my brother Thomas jfu Man Senior from Master the Credit Game. Man, get the book. If you haven't got the book, get the book the book. The link to the book will be in the description. Go join excuse me the Credit Group. We over there getting busy. He's probably about to upload some content over there as we speak. He's gonna let Queen seventy one in and all that shit, right, now, Man, we're gonna go over to Drew Titans bring down a property value. Salute to the LDBC Lions d in Boxing community. Man, be sure to go visit the website, join the website, become an official documentary member of the Lions d in Boxing Community www dot ldbcsports dot com. Also salute to everybody man that supports the entire Punch Junkie Bran recently launched the third issue of the magazine, The Punch Junkie Magazine, brought to you by the Punch Junkie Brand. Man, go get your magazine digital available digital as well as the uh excuse me as the print format www Dot punch Junkie dot com. Man, so go get your magazine. Man. They over there, they're going like hotcakes, So go get that. Man. So alude to the family, really truly, genuinely appreciate y'all. Man, you have absolutely no idea, none whatsoever. Man, if I had a million tongues, I couldn't tell it all. This is Junior the Truth man signing off from a Black Gentleman up podcast. Man, I'm gonna give you your your your your daily reminder. Man, I'm gonna give your daily reminder that you gotta view your life like a pair of dice until your life looks like a pair of dice. Man, I'm a Howborne player made if you don't know anything else about me. At the end of the day, I gotta keep pushing baby right. Jack Lay