MAKE A FORTUNE TURNING CREDIT INTO CASH WITH HIM 500

My graduates from my school being Forbes backdrop, backdrop, my drop, backdrop.

All right, guys, welcome back to EYL. This is a highly anticipated episode. It's long overdue, long overdue, but everything happens at the right time, you know? This is one of those situations where the momentum has built pretty substantially over the last year.

Him 500 has really grown an online community, and he's done it diligently and in real life. We actually got a chance to see a lot of his work. We went to see his conference, and I was very impressed with what he's put together.

So we've talked about credit before. Shout out to everybody that's been on our platform, EYL University, and UYL has talked about credit and the credit dude. Yep. But for the most part, the credit that we've talked about is along the lines of how to repair your credit or how to establish basic level establishment, which is important. We need that level of understanding.

But, you know, there are different sectors of credit and different sectors of financial literacy. So Him 500 focuses on a variety of different things, but I guess what he's been known for the most is how to turn credit into cash.

It's a lot of cool stuff as far as working with credit and understanding how to utilize cards, understanding how to utilize cars, understanding all kinds of things. We know we've seen it all in real life, all kinds of stuff. And yeah, it happens in real life.

Like I said, you know, shout out to the whole crew in Atlanta. I don't want to forget anybody, but you know, yeah, yo, Alex, Him 500, Gooch, Matty J, Justin, all the entrepreneurs out there that are doing their thing. They're young, they're black, they're all networking with each other.

Him 500 is one of the members of the crew, and everything that he raps about, he talks about, he lives in real life. They said he's a positive peer pressure guy. Yo, you got that car? Yeah, you need to get this car. Yeah, that's him.

It's like these rappers—some rappers actually live it, some rappers are just rapping about it. But everything he talks about, he actually lives, and we saw it firsthand.

So this is an exciting conversation. I'm excited to have it. We're going to talk about a wide variety of hacks, financial literacy, credit stuff that you can't Google. This information, you can't Google. That's right. Yeah, you got this in the safe. You can't crack the safe on this. I like that.

So Marcus Barney, aka Him 500, welcome to EYL. Thank you for joining us, and I appreciate you guys having me. I appreciate it. I'm excited.

Yeah, man. Yeah, yeah. So let's jump right into it. You have a whole community, and you teach thousands of people, but it didn't always start like that, right?

So from my understanding, you started as a manager in a cell phone store.

Yeah, so I got started. One of the things that I noticed early on when I started was that I was actually doing sales for repair. But I started with real estate at 18 in California, but that was during the 2006 market crash, 2007, 2008. I moved to Atlanta.

So when I moved to Atlanta, I found myself doing cell phone repairs, running around the city fixing everybody's cell phones. I ended up landing in a cell phone repair shop, partnering with the owner. I partnered with the owner, and then I started to run the cell phone shop for him on the cell phone repair side.

Okay, so how'd that morph into—because I know there were some trials and tribulations, upside down. How did that turn into what you're doing now?

Honestly, that's one of the things that I don't even think a lot of people know. I'll share a little bit of insight. I ran into a time at that age, between the ages of 18 and 25. I always tell people it's like the most trying time for a young man, and I let money get ahead of me.

I started making—I probably was making seven to ten thousand dollars a month at the time, had maybe thirty, forty thousand dollars in savings. As it started to grow, I started to become addicted to money, you know? And as money starts to play a part, greed comes into play.

What happened was the owner of Sprint came and told us basically if you don't have three locations, you have to shut your repair center down. Well, the repair center was making us about 20 plus thousand a month. With me running it, I was bringing—I was taking fifty percent, he was taking fifty percent.

He put it in. He was like, "Yo, well listen, give me some time. I'm going to figure something out." But at this time, everybody was buying iPhones, you know, on the black market to resell, to send overseas. This was when Sprint first started doing it.

So people would come in, and people would try to buy iPhones from us for like three, four hundred bucks over regular price, but we got paid off the contract. Well, he was like, "Yo, I may have an account that I can order like a few hundred iPhones. You think that the people will buy them?"

I'm like, "I'm sure they're buying. Guarantee." It's like the first iPhone. There were multiple, but it was when they first came to Sprint.

Okay, so I'm like, "Yeah, for sure they're buying." I put the phone call in. He brought in the account, ordered 100, 150 iPhones. They were worth a hundred thousand dollars. Well, we sold them, split it, and at 22 years old, I don't know the backing yet. I don't really know business.

He said insurance covered my—I'm like, "Yeah." Well, he found out the rough and rugged truth. Insurance only covered six thousand dollars. Since insurance covers six thousand dollars, you owe ninety-four thousand on a hundred thousand dollars worth of iPhones.

They already came out and looked into it. Nobody figured out what happened, where they got ordered from, nothing. But since it came under his store ID, it came back a year later. He goes and submits information and says, "Well, it came from this IP address."

If it came from this IP address, he did it and threw me under the bus. At this time, now I'm 23, 24—23, almost 24. We're going back and forth to court, and my lawyer just goes, "He's just like, 'Yo, listen, there's nothing concrete saying you did it, but I've seen people convicted on less, and I would hate for you to go and fight it and still lose.'"

I'm like, "But his role—he said you can put that in there. Basically, if you tell and go to prison, you're still going. Now you're going to go to prison with the jacket on of like, 'Until you told me, I'm going to be a snitch.'"

So what's your options? Is it go to jail or repay? Did they give you that option? Like, you gotta pay this ninety-four thousand or go to jail?

So what they did was—it's crazy. Listen, this is one of the reasons, and I always say, and I'm thankful. I had a white lawyer for so long. We didn't see eye to eye. I let him go. I was going back and forth to court, and I hired one of my friend's wives to be my lawyer.

She was a lawyer. She came to court with a Louis bag, a diamond bracelet, nice watch, a diamond ring. Right? And I look, and I go, "You look poppin', keep it a buck. Like, you poppin', right?"

And I'm just thinking to myself, like, "I'm finna get grilled." We walk in, the DA switched. It was nothing but black women DAs. It was a new black girl DA and all her assistants and her whole team was black women.

Every other lawyer in the courtroom that day was white, white men. Some kind of black girl magic happened. She came back and she said, "Well, listen, how much you feel comfortable that you owe? What's the part you feel like you owe?"

I said sixty thousand. She was like, "Okay, they say you pay the sixty thousand back, you get probation, and you get first offenders like it never happened."

I'm looking at her, thinking to myself, "I've been fighting this case two years going back and forth to court, and it's over?"

She said, "Yeah, it's over. Sixty thousand, sixty thousand, and it's over."

But the most trying part was through the time. I've never been in that situation, so through that time, I don't know what life is because I don't have control. Now I'm like, "Yo, I have no control over my life."

I've never been in a situation where since 18 I've been in real estate. I've always been ahead and in control. I felt like I ran my life. And then I realized, like, "Yo, you better be on the right path to run your life because this can be gone like this."

And so from there, that's when I realized, like, we closed it out. I got that behind me, and then I started figuring out, you know, me. I worked in banks, so knowing all the bank procedures, but I know I can't go back if this holds above me.

You know, I couldn't do it while I was fighting the case. So at that point, that's when I really started learning and digging into credit because I had to figure out, like, "Yo, I have to now have my own financial backing because there's nowhere else for me to get, you know, I can't go to work."

Kind of money I want to make, I can't go to work, so I need some kind of fund, some kind of trust fund behind me. And I started digging into credit, really getting heavy into that, and then leveraging everything I did working at the banks.

I ended up actually even going back to a bank, getting back in, and kind of helping people. And then that's when the credit stuff started because I couldn't work a job because I was used to making money already.

That's crazy, man. I mean, I read your story. It was like you've always been an entrepreneur. And so to even have the sixty thousand to beat that, I mean, that's pretty remarkable.

So was there—

I had to make payments. I'm not gonna front. I mean, I had to make payments to get it done.

Yeah, I mean, but that's one of those things where it's like sometimes everything happens for a reason. Well, not even sometimes. Everything always happens for a reason, right?

And it's like, like you said, between the ages of 18 and 25, especially for anybody, but especially young men, especially black men, it's very tempting. You have a lot of temptations. You have music, you have just the culture, society.

And a lot of times, you know, we want to get to the finish line a lot quicker than we should with our parents, what our grandparents would advise us. And you know, a hard hat makes a soft ass. That's just, you know.

I was actually thinking like your life is fast on truth and move quicker.

Yeah, and then on the other part, it was like we always talk about this line, Shawty. We like, "Yo, change the school, the cop." But more important is lawyer fees.

Yeah, like this—like you gotta find an example. Shout out to Hope.

But the shining light in that for me is that you, you know, saying that using the financial space and me being in the financial space, I know anything on your record like that prohibits you from a lot, like ever really working in the financial space.

So it's like, so now you're forced to kind of figure it out. You still have a financial space mind, but yeah, if that didn't happen, you probably would have just been a regular corporate worker maybe.

But now you have to like kind of force yourself to be like an entrepreneur on the credit side and learn credit, and then that blossomed into where you are now.

So learning what happened was, at that time, I said, "Listen, my goal wasn't even getting credit." I started learning. I learned credit when I was 18. My broker, my real estate broker had a credit repair company. I did all the underwriting.

But my goal when I started Mexican credit, I go, "Okay, I need to get mine together." Right? So I start focusing on my credit, figuring it out. And when everything happened, I never—like literally today was January 4th. It was January 4th, 2015 when the case closed and was done.

January 20th, I started my credit repair company. Between that time, I was figuring out what am I going to do? Like, what am I going to do? I started messing with my credit, and then I said, "Well, I'ma help other people."

And I remember putting it out there like, "Yo, I'ma help other people with their credit." Right? I'm leveraging mine. I figured it out. See, people need it. I remember I made eleven thousand the first month. Boom! I go, "Okay, I got something."

Start slowing down, and I remember like leveraging, like starting to build my credit up and figuring out what's the benefits because I knew it was more. It had to be more than just getting a buy a house, buy a car, and get a credit card just for emergency purposes.

I'm like, "Nah, it's more to this. This has to be worth more than just this what it is on the simple on the surface." That's where it started to like flourish, and I started digging deep into like, "Yo, how do I really go and get money if I want to get a credit card and I want to get funded and fund my own business? Where do I—how do I get the money?"

So in 2015, right, you said January. What type of things are you doing to leverage your credit at this point?

We're going to be getting now at the beginning. I was trying to make money. Okay, so that was the business that I had, helping people, showing them how to make money.

So when it came from like—I remember working in the banks, helping people with it, and they still couldn't get approved. So then at that point, I'm going, I'm looking now, and that's when I start really publicly helping people versus like, you know, when I was working before, when I'm working in the bank, going through all my trials, I could help people, but it was quiet.

It wasn't like a marketed company. So now it's out publicly, and I'm working it and started bringing in. So now I'm going, "Okay, this is my business. I'm making money off of it. I have good credit now. Okay, what's the benefits and perks of it?"

Country, yeah, that's—and then at that point, that's when I started leveraging it, like learning about rewards, how to get credit cards, how to like start credit card stacking and stuff like that.

So all right, let's get into it. Let's get into the meat and potatoes of what everybody wants to know, this information.

So I got questions. I know Troy got some questions. But one thing that we haven't spoke about in Alicia yet, and a lot of people have always asked us to cover it, and they always ask questions about it, is trade lines.

So I'm going to ask you a couple questions about trade lines. But before, for people that might not have even ever heard of a trade line, I don't even know what that is. What is a trade line?

So a trade line is essentially an account on your credit report. So a trade line is any account on your credit report that reports on your credit. So a vehicle, the history of that vehicle from when you open it to when you close it, that's a trade line on your credit report.

So with any account that reflects and shows on your credit report.

Okay, so is this like a hack where you can actually add people to trade lines as an authorized user?

So now what happens is this: when it comes to authorized users—and yes, it's a lot of details to it that you have to understand, and like different applying when you're applying and, you know, getting different things and the benefits of them.

But essentially what it is is that if I got a credit card and I got ten spaces available, I can add you onto my credit card as an authorized user. And this is an authorized user trade line.

If I add you on as an authorized user and I have ten spots available, I charge you 650, right? Well, 650 times 10, that's 6,500. I'm only going to leave you on my card for 60 days. I never give you access.

I set my account up in a way that you can't compromise me. Now I make 6,500 every 60 days off one credit card. At the end of the year, I make 40,000 off having a credit card, never going into debt, never actually using and spending the bank's money.

And that's to help other people build their credit, right? That's helping other people build and establish because it comes to data points on the credit report. How many positive accounts do you have? What's your credit card utilization?

All of these things go into consideration when applying and leveraging and using your credit. So when those things come into play, authorized users hit so many points because it gives you accounts, it gives you age history, it gives you utilization.

So when your utilization, everything is right on your credit card, all of these things reflect on a person's credit report who purchases the authorized user.

So if I'm the person that's the authorized user, do I get a card or I don't get a card?

I don't get a card. See, because like when I—this is crazy. Like my credit history goes back to 35 years, right? I'm 38. But my mom put an American Express card in my name, so my credit—so like technically I'm an authorized user.

So that was a trade line that she made for me in a sense.

So she gave you a card on her account, right?

Yeah, so what happened is that if she gave you a card on her account, that made you the authorized user, and then that's what started building your history.

But see, with American Express, they don't report back history. They just report going forward. So the whole time that you've had that card and she opened that account up, it's been on your credit, right? Building out.

So let me ask you this. Thanks, Mom. Because shout out to your mom.

Thanks, Mom.

We have a large listenership in jails and the federal jail, state jails. It's a very interesting dynamic. I have a lot of friends, family members, and they always report back to me and say that EYL is big in jail.

So first of all, shout out to all the guys in jail. Hold your head. Close your head. And all the returning citizens.

So you was giving us some game about information for that, right, as far as like the core logics for felons and things of that nature?

Yeah, yeah. So nah, that's a whole nother bar for everybody. Like listen, I come out of the community, so I've been a victim of every single side of prison, right? Pop's gone for life, uncle gone.

So family members, every single friend that I grew up with originally from my neighborhood has gone down that path. And I tell people all the time is that those are some of the people coming home from prison that are trying to get rehabilitated.

It could be the hardest, like trying to get back in the community, and it's like, "Yo, all doors shut in your face." So what I tell people is I figured out was that Core Logics—this is with credit, learning the secondary bureaus.

Like most people don't know that secondary bureaus are some of the companies that verify your data. So you got companies like Innovis, Core Logix, Lexis Nexus, Sage Stream, ARS. These are all companies that house secondary data when it comes to your credit.

So they're just data furnishing companies. So when you dispute something, a lot of times they're the ones who verify. Well, I found out that Core Logic was the one who verified evictions and convictions.

At that point, when I realized that Core Logic is the company that verifies evictions and convictions, I knew I said, "Listen, you mean to tell me that I can fix somebody's credit, but they still get the denial?"

Well, if I opt out of Core Logic, if you got eviction, you still can get the approval. If you got a conviction, you can get the approval because I never gave them permission to share that data and that information.

So now when you go to get an apartment, now write somebody who's in a position, they go, "Listen, well, I can help people get apartments."

So if you understand how to clean your credit and opt out of the secondary bureaus, you opt out of Core Logics, now you can go and get approval for an apartment because that's a big thing that holds people from getting apartments.

So essentially like this, I break down the whole blueprint. This is what you're going to do is that you're going to opt out and suppress your Core Logics, Lexis Nexus, Sage Stream, ARS interface.

You're going to suppress all of those. Once you suppress those, now you're going to force the credit bureaus to do an investigation with a 609 letter.

So you use a 609 dispute letter when you send that 609 dispute letter, and it's going to make them either verify that this account is accurate and verify that it belongs to you.

Well, now since they don't have anybody to check the accuracies with, they're going to now have to do an investigation. Most likely, 60 to 70 percent of the negative items get removed because you already removed the middleman company who's verifying everything.

So now once you do that, when you go to apply for apartments, you now can go and apply, and if you've ever been evicted, it's not going to show up because you suppressed Core Logics.

And if you got a felony on your background, it's not going to show up because you've suppressed the Core Logic company.

But like how do you suppress it?

Yeah, yeah. What's the time length on the suppression? Does that happen?

So you basically what you do is freeze the report and opt out of them showing, and they do it indefinitely until you opt back in.

So you like call them and say, "I want to opt out?"

Yes, so you can call them, you could call or you can do it online. So if you like Google, like LexisNexis opt out, you can Google it, and it'll pop up and take you to the forum to actually opt out of that report.

Good to know. Did you know that, Troy?

I did not know that.

I did not know. I feel like there's going to be a lot of things today we all going to learn together.

People don't understand. Listen, right in the community, that's one of the dope things is that I tell people, listen, that's a business in itself, right?

We don't know about the secondary bureaus. So you mean to tell me, I say, listen, you mean to tell me that there's companies out there that do all this information?

I say, well, listen, one company, Core Logic, gives us a whole business model because if I opt out of that, I can now help people clean their credit. That's a service.

I can now help you get an apartment. That's a service. I can bundle it together if I want. But listen, I help you get an apartment. Now what else do I do?

If I know I'm helping people get into condos, listen, I'm going to find the newest building that's not fully occupied, and I'm going to send people there.

Well, after three or four people going like, "Yo, Him 500 sent me in here to get an apartment," they're going to kind of get familiar and be wondering who's Him 500.

And then I show up with gift cards and trinkets and nice things, and I build the relationship and I say, "Hey, listen, now what I do is I'm an apartment specialist. I just help people find apartments and get into the city, especially new condos, things like this, and just ensure that they can get the approval when they come."

Have my people been getting approved? Yes. Cool. Boom. Nice to meet you. Set the relationship up. Guess what happens?

Now I get a referral fee from the leasing agent. Now I send it directly to the leasing agent. She's going to want to get paid for getting people to lease.

Well, guess what? Now I get paid for helping people get the apartment from the leasing.

You've been paid four times already.

That's three times. Three times. I got paid from the client for helping them with their credit.

Yep. I got paid for helping them get the apartment, making sure everything was approved, making sure they get the approval.

Then I get the referral fee from the leasing agent.

Okay, now I'm pretty much responsible for helping everybody get apartments in the city. I become Penthouse Poppy.

Imagine, right? Trademark though.

Yeah, right, right. Listen, right? Yeah, trademark it.

So I become Penthouse Poppy. So now I'm in front of all the fly buildings, right? I'm in front of all the fly buildings. I'm in the penthouses and the condos.

But what's the biggest thing when it comes to these condos? Furniture, right?

So now a lot of people overlook it and don't realize furniture has one of the biggest markups, right? Furniture's markup is ridiculous.

So then I go to one of the furniture stores, the mom-and-pop furniture stores in the area. Guess what they do? Financing. You can fund—you can finance furniture.

It's true.

So now guess what? I go and build a relationship. Listen, what does it take to get ten thousand dollars in furniture?

Right? I need a ten thousand dollar approval. Let me see what that credit report need to look like. What does this need to look like, this approval process?

Now when I get people apartments, I'm going to send you to the local furniture store to now even get the furniture. I'm not going to charge you for that.

No, I got the relationship. I'm going to charge the furniture store.

Hey, listen, markup is crazy on this. You're probably selling for ten thousand. You're giving them 2,500 worth of furniture, maybe four.

I need a 750 referral fee for every client I sent it here.

But when I go in, you go and introduce yourself. It's, "Listen, make up a—I'm an apartment specialist, right? I specialize in getting all the apartments in the area fully occupied or occupancy level 95 plus percent."

They're going to be confused. I don't know what that is, but he gets people apartments.

I got a list of people that need furniture than an interior decorator to you.

Yeah, right?

Yeah, do interior decorating.

So now I get paid. Now only am I helping you get the apartment, I'm getting paid from getting you the apartment from the leasing agent, and I'm over here with the furniture guy and get a kick on the back end because I'm going to tell you, "Hey, listen, your credit is together. You can go over here and get ten thousand furniture. Now your condo is furnished, and now you just got paid four times."

Now you get paid four times. That's Penthouse Poppy.

That's a business for anybody that's listening. It don't matter what your background is.

It all started from you just suppressing one thing so somebody could be approved.

Literally, that's realistically—I used to run that company, and that's where it started from.

You know Derek Grace?

Yeah, I don't know him personally, but online.

See him? That's our guy. Good friend of ours. EYL alumni.

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He posted—I mean, he posted a post of yours, and he was like, "I don't know, bro, but he dangerous."

You know, I'm going to tell you, I'm going to tell you right. I watch bro post, and I look, and I be like, "What he—we do different stuff, right?"

But I say, "Yo, he give it up. Like, he not—he's not capping on nothing he says."

Like even from, you know, I look, I don't care. I'm wearing diamonds, but you know, even with the gold game, man, like bro vicious.

Nice. Much respect. When he said that, that was real though. He actually got my attention with that.

I'm like, "Nah, this dude is dangerous, man. He's dangerous."

It's a lot of information. It's the most important thing in the world, like because it's like there's so much stuff that you can just change your whole life, your whole generation with just a few vital pieces of information.

Yeah, that's all it takes. And there's so many of us out here leading the way, giving it up to us and giving the information up to really see how people could change their life.

Like I just laid out, like we're on a public podcast, and I just gave out a whole business plan off of leveraging one piece of information.

Before that, I get a blueprint. I hope they take notes. Like, listen, I'm giving you—I gave the blueprint. That's how you clean your credit.

I still use a 609 letter. Get familiar with companies like CFPB. It's the companies that regulate the credit bureaus. These are things that we need to know, information that we need.

And I'm looking now, and I go, we start looking, and so many lives are changing off of information.

Yeah, that's a lot. Let me ask you another question. You got an interesting thing when you said that, "Turn a liability into an asset."

And that really struck my attention because it's like you said, we've been programmed so long to think that everything is a liability on a certain level.

Like that is not an asset. Traditional assets, like cars, for instance, right? It's like no matter—like we did a video about how to like put your car in your business name and take the deduction and all that.

A lot of people was like, "That's dope. I didn't know any." But then there were always some skeptics like, "Well, it's still a liability. You're still wasting money on it."

But you broke down something, and that was kind of crazy. It got my attention how you can actually turn and make money with the car, like running ads and tour.

Oh, can you talk about that a little bit?

Yeah, so when it comes to that, one of the things is that, look, I—and it's frank, and it probably rubbed people the wrong way. Cars are liabilities, right?

That's a 19th-century mindset, right? Take that back. That's in the 90s and the 80s that that mindset exists. It's not relevant now.

Only people that that's relevant to is people who won't acquire new information and don't stay up to date with systems, right?

Because there's no way that you can look at a vehicle—unless you just don't have the information. I got friends that make six figures off of vehicles.

No way you're going to tell me that that's a liability. It's a liability if we don't utilize the right.

So then I started telling people, I said, "Listen, you want to learn? Okay, here, let's take a car like a smart car, right? I went and found the littlest car, right? The littlest car that nobody wants."

I'm when I tell you, right, the smart car for two. Right? Listen to me.

All right, guys, I didn't think it was yours when I saw it.

Right? I did. I saw you drive it. I said, "It is."

Yeah, right? And I'm like, I put music in and everything. Gotta be.

I'm like, "Yo, listen." Funny thing is that I bought a smart car, and then not only so I bought a smart car, I tell people, "Listen, let me explain something to you. I got the smart car, and this is what I teach people as well.

I say, look, you can go to a swap police and literally do a lease takeover, put no money down out of pocket, get a car that costs 200 a month.

This vehicle costs 200 a month. Now what happens next? Since this vehicle costs 200 a month, I say, "Yo, listen, Earn Your Leisure, I got a car that's going to be in downtown Metro Atlanta 12 hours a day.

It'll probably get exposed to about 20,000 to 30,000 people a month. Yo, give me 200 bucks. I want to put Earn Your Leisure on the left side in your company promotion. Is that something that you'll be okay with?"

200, we'll do it. So lights, right? That's light.

Okay, well guess what? I'm going to get somebody else to put their business on the right side. I'm going to get another business to put their business on the back of the door, on the back of the vehicle, right?

I now make 600 bucks off a 200 liability. Then I say, "Well, how you going to keep it in Metro Atlanta for 12 hours a day? You going to drive it?"

No, I'm going to hire somebody to drive it. So now I'm going to rent the car out to somebody who wants to drive for Uber Eats, Grubhub, DoorDash, one of the grocery delivery services.

Look, give me 150 a week. You don't pay gas or insurance. You give me 150 a week, and you use the vehicle.

Now I got—and you use the car six hours a day. You got options. You got access to a six hours a day, seven days a week. That's one person.

I do two people. So now that's 12 hours. That's a 12-hour shift in the day. That's two people paying me 150.

150 a week, that's 300 dollars. That's 1,200 dollars a month. So now I'm making 1,200 dollars a month off the drivers, 600 off the advertisement.

That's 1,800 dollars a month. 1,600 of that is profit. I'm making 1,600 profit off of one vehicle that they said was a liability.

If I got two cars, I'm 3,200 to the good every month. To the good. Month straight cash on me.

It's like it's one of the best things I've heard you say, man. Mindset is the only liability.

It's—and now you make 3,200. Imagine this. What's your background need to be? What do you need a degree in?

That's 3,200 dollars a month paying for a vehicle. Now if you really get tricky, then you understand is that then you go, "Well, it's other cars out there."

And you can look up. It's websites that attack and say, "Hey, look, these cars perform the best on Turo."

Right? You can literally get one of those cars and then make it pay for your other ones, or you just use it as income.

You come home, and you're like, "Yo, I got my credit together, but I don't know what to do with it. How do I turn my credit to cash?"

That's one of the credit to cash strategies is actually learning how to execute and learn systems.

I want to talk about something that was a whole lot of game. What you're known for, and that's turning credit into cash.

Most people, when we think credit cards and how we get cash from it, it's like, "Yo, if we get a cash advance, then we can take money out from it."

Yeah, but your strategy has no cash advance, and it still is liquidating. Can you break that down?

So it's a little bit different. Like, it's a whole bunch of different ways, right? When it comes to like turning credit to cash, and I tell people, one, you don't ever want to do—if you had to pull money out during the cash advance, they're going to charge you more, and they hit you with extra fees and a higher percentage.

So I tell people, kind of stay away from the cash advances. But I do things like—it's just ways to generate cash, especially like my mindset is entrepreneur at all times.

So like I tell people, do things like, you know, knowing which credit cards to use to do certain things.

For example, if I go and run ads, right? Like I can run ads, and when I run ads, I can run ads and generate income back.

But if I wanted to like pull money off, like what you just said, something like you just said, like trying to pull money off without doing a cash advance fee.

One of the things that we used to do for fun is like I would go on a cruise, and because when I go on a cruise ship, guess what happens on the cruise ship?

Is that they give you the debit card, the room key. So when I go on a cruise ship and use the room key, I would just go to the casino and get 20, 30,000 chips and get a cashier's check and go home.

I just pulled my money off my credit card, and I got reward points because I was on a cruise ship.

So since you're on a cruise ship, you get five points per dollar. So since I'm on a cruise ship, I get five points per dollar.

I literally got chips with the room key. I could max every card off I wanted to and go home with the cashier's check if I needed to use it to invest, whatever I needed to do, and I still accumulated the reward points.

So if I need to go buy a house, I literally can go on a cruise three days for 200 bucks, go pull off 50,000, come home with cashier's checks, and go do my investment.

But you saw—you—this guy is dangerous.

So when you take the—I know Joe, so when you take the 20, you are paying the 20 back, but you are redeeming the rewards points that come with spending that amount of money.

You can keep the reward points. That's the perks and benefits of having credit.

And that's one of the main perks and benefits of having credit. I tell people is that credit cards versus debit cards is that you spend your cash, you get nothing back.

You don't get big interest from letting it sit in the bank, right? But what—how do we actually use the bank for benefit? What do we get from the bank?

Like, and one of the things is that why they incentivized it was the reward points. But a lot of people in our community don't have that information and know how to use the incentives that they give us.

We don't even do the research. The research—it's like I feel like that's like the fine line. Like nobody's reading the fine line.

Like, "Yo, you get this." These—I mean, the most we ever look at is like, "Yo, can we get air airplane rewards or airport awards and hotel rewards?"

But there's so many other things like that you can actually be using this for.

Yo, listen, right? Is that one of the key things is this, right? Today, you know, I got on recession proof, right?

But I'm an advocate of my community. I'm advocating where I come from. Some people will be like, "You always ignore y'all. We shouldn't wear designer clothes. We shouldn't do this and do that."

Where support black op, whatever it is, whatever you want to wear, wear naturally, you know, things that's made from natural products, not cotton.

I like wearing nice clothes, Louis Vuitton, Fendi, right? Now some of my favorite, Dior.

But I know everybody—a lot of people in the community, this is what they're after. These are the things that they desire to wear because it gives status, right?

It's kind of a sense of status, and I'll keep it a buck. It is. It's a sense of status that people want something that costs more, something that's extra fired in and make it separate.

We got people growing up that—and kids that don't know how to actually go and get it without doing something illegal, right?

So they go on selling drugs and robbing people for these designer clothes because nobody told them that, "Hey, listen, you can actually be an entrepreneur and learn business, or you can leverage credit and get it for free."

So what I did was this. I started going, "I don't want to spend my money on stuff. I'm cheap, right? I really don't like spending my money."

So when I get designer clothes, I get it for free. I'm not going to spend cash.

So in order for me to get designer clothes, I say, "Listen, I can run up my reward points and then redeem the transaction."

So when I go, like I went and went to Louis Vuitton, spent six thousand, right? Like 6,500 in Louis Vuitton, and I literally redeemed my reward points to cover—

How do you get the reward points?

People don't know is the benefits of a credit card. Like you said, your gold American Express card alone gives you four to five points per dollar.

Four to five points per dollar. Every dollar you spend on running ads.

So you mean to tell me you're going to incentivize me making money with your money? Here's a hundred thousand dollar credit card. Go run and spend it.

Run ads to market your business and get in front of people, and I'm going to give you rewards for using my money.

I ran a hundred thousand all ads, made—I had a million dollar month on the back end. They gave me 7,500.

Can we not let that just go over everybody's eyes? We're just going to breeze past that?

I mean, congrats to you for that.

I appreciate it. I appreciate it.

But that is—is that even with that, I'm going to stay on that in the power, and nobody can say it's not powering a black dollar, right?

Because that is the black dollar. These are things that are in services, and the community I built for our community.

And so this is our money circulating within our community. But I literally—this is the point is that the information.

I literally ran off my Amex Gold, spent a hundred thousand, brung back a million, and then got close to like 9,000 reward points.

So then I redeemed it and went shopping at Louis, spent 6,000.

So when are you redeeming it? Are you getting a gift card to the store? Like, are you getting like a Saks card? Or how does that work?

No, I literally went shopping, swiped my card. When I go shopping and swipe the card, I literally go in, and you can go into the reward, the membership site, and you just go, "Hey, redeem purchase."

So you just redeem the points to cover the purchase, the transaction that you made, and they cover it.

Gotcha.

Yeah, and the good thing is you can use that for a variety of different things, like travel, anything.

So it's like you're not paying for—like you said, I mean, it's like anything that you do.

And that's—I'm glad you said that because it's like I feel like it's financial literacy teachers. It's our job to do things responsibly.

So like even when we got our cars, me, Matt, and Troy, we got Range Rovers, but we made a video, and it went like semi-viral.

But I put it in there like, "Don't think that we just did this irresponsibly." And then we made like a whole video explaining like how you can actually put your car in your business name and take a deduction and all of that.

So it's like when people see you with, you know, these designer clothes on, it's not like you're just getting money and just spending it on that.

Technically, it didn't really cost you anything because you're paying for it with reward points. You reinvested your money into your business, which grossed more money, but you didn't even take the profit of that.

You just used the reward points to pay for that.

And I ain't even reinvest my money in my business. I'm going to use that money again next month to make more money.

Well, yeah, because it's the credit.

Credit, yeah. I use my money to go buy stuff.

I think the best part is what you said is like, "Yo, I'm cheap. I don't like spending my money."

I'm buying—I love that.

I'm buying. I'm in the middle right now buying a bank, 1.5 million.

I'm buying a bank, and essentially I'm buying the land.

Talk about that.

Talk about that. Breaking news alert, right?

Yeah, listen, right? So right now I'm in negotiations of buying a piece of land that a bank happens to sit on, a SunTrust bank.

They have a 12-year lease in Georgia. Yeah, in Georgia.

And the amount they pay is about 120 a year. They pay 120 a year on the lease. They got a 12-year lease.

The property is like 1.5. I'm trying to give them 1.5 for the land.

Now I own that. They have a 12-year lease, meaning—and a bare minimum lock-in of eight years.

So for the next eight years, I'm going to make 125,000 a year.

A year. That's a hell of a salary off on the land on the bank.

And I'm—and I'm still—this is reinvest. This is where I put my money in instead of putting it into like, "Yo, I'm going to go buy designer clothes."

Nah, I'm going to keep acquiring land, keep acquiring property, and really building, learning what to do with money and learning how to play real estate.

So now I got a long-term hold at least. Now it's a bank there. I got a long-term play for the next eight to ten years.

That money now just goes back into—I can go and invest until with my daughter.

And now, you know, especially when you can play with money, y'all get so many people on here that teach us how to save money and invest it and let the interest compound.

You imagine having 125,000 coming in every year compounding for the next eight years to 12 years?

Let me ask you this. As far as the credit, cause you're using your Amex to run the ads.

How did you get the—like how did you get your first business credit card? Or using your personal credit card? Or is that through the business credit card?

Business, but it started—everything starts like business credit is super sexy. Everybody wants to talk about business credit, but it all starts with your personal.

So my personal credit report was structured properly, and I was a PG, so I did a personal guarantor, put my social on the line, put in my business name, and then that's how I—you know, I just kept building, just kept doing it like that.

Same thing with the person—like the same way you build personal credit, you just build it that way.

Yeah, good history, pay your bills on time, getting your net 30s, net 60s, different things on it.

But my main goal, like where I really focused that was all on the personal side.

So what was the first limit you remember? Like the first limit that you got on your business credit?

Like a small—

With a small amount?

Yeah.

What? Oh, business or personal?

Business.

On the business side, first limit? Nah, that first limit wasn't—the first limit was nasty. It was like thirty thousand.

Okay.

Then we started getting—

You already had established it from a personal.

Yeah, so as long as your personal is good, you should be able to get a substantial amount in business.

You just—yeah, the thing is that that's why I tell people work your personal because then once you work your personal credit, once you work that personal side, when you go to get business credit, you're going to get double and triple your limits from what you have on the personal.

So if you work this, get these large—let them season.

Let your personal card season and grow those. When you go to apply for business, you shouldn't—you shouldn't be going getting a ten thousand dollar business credit card.

So you have multiple—because like they say personal cards, you shouldn't have like more than like three or four.

Like does that matter with business?

Business is a little bit different because business doesn't report on your credit.

Some do, like Capital One.

Okay.

Don't get that one if you don't want to show on your credit report. That's one of the business cards that show.

But my thing is that I show—I specialize in like personal side. I got a sequence I learned how to do and go get 15 personal credit cards with only like five inquiries.

Well, I need to actually—but before I want the explanation on that, but while you're saying this, and like how does one grow the limits on their credit cards, right?

It's like sometimes like you can have a credit card, you pay it off, and like you actually have to go in and try to increase it.

But sometimes there'll be a situation where the company will say, "We've increased it because of your good standing."

Is there a strategy to grow it to double it and triple it?

So when it comes to growing your credit cards, like I tell people that you want to put everything on them.

I'll take like if you're going to work credit cards, take a few of them. Like because I teach how to get massive amounts, but if you only have a few, what you want to do is put everything.

You should never use a debit card, right? And this is the example I tell people.

I said, "Listen, if you're walking down a dark alley with 10,000 in your pocket, where they robbing people at? Whose money you want in your pocket? Yours or mine?"

It's yours. Exactly.

So every day you go out and you're swiping your debit card with your hard-earned money, your hard-earned money versus—and you put it at risk.

We all know how fraud and how high it is now, right? So every day when you go out and you're using your debit card and you're putting it online and you're making purchases, you put in your money at risk.

So when you put your money at risk, why would—instead of put everything on your debit card, I mean on your credit card, put everything that you spend on a credit card and pay it off?

Not go buy and buy whatever you want, the money that you would have spent out of your debit, then you pay your credit card back off.

Pay your credit card bill a few days early, two, three days early, but pay your credit card back off.

And not only are you leveraging and putting somebody else's money at risk, you also get incentivized for using it.

So everything that you spend should automatically run off of an actual credit card.

I run everything that I spend off a credit card.

And so like that usage increases it?

Yeah, yeah. When you keep maxing it out, like if you can figure out—depending on what you're doing, like with me, I run ads.

Like I specialize with really helping entrepreneurs. Like we all have to learn how to make money ourselves.

How do we turn our credit to cash? How do we grow our businesses?

So if we're going to use and grow a business, I'm going to use my card.

So like I max my card out on ads, right? Facebook ads, Facebook ads, things like that.

I also built a relationship. Man, y'all got me talking. Don't worry, no one's listening.

I built a relationship. I built a relationship with a guy at a watch store, and he would resell watches, right?

So he had the opportunity. He was like, "Yo, you know it only takes me about seven or fourteen days to resell a watch."

People come in all the time, trade in. You know you get hit when you go to trade to watch it, so they're not going to give you full value.

Well, he says, "Listen, if we buy it the same night, I can get it for what they paid before my store puts it online and puts it in the system."

We can buy it for the same price.

So what we would do is literally I get—I gave him—I let him hold one of my platinums.

He would buy the watch when he came in at night, resell it because for the value of it, he already was known for selling watches.

He resold it for the value. I'm getting credit on my credit card for how much the watch cost.

We start with 12,000. We didn't did 60,000. We didn't did four teams, 24s, and literally built it out maxing the card out.

Now my credit card on like that platinum I got is 200,000 limit.

But it's just information and being able to seize the opportunity. And you know, that was one of the things we had a good relationship, and trust come into play.

That ain't something you can—people can duplicate, so I don't really speak on that a lot.

Yeah, because that's not something you could duplicate, but it's just things that happen just knowing.

Yeah, just knowing.

So how—so now let's just go back a little bit. So how do we acquire the multiple cards without having so many inquiries?

Because that's—I mean, I do anything, and it's like you've got an alert. I'm like, "Damn."

Yeah, is that—man, so [laughter] so no, look, we're here.

Man, it's really for the culture.

Hey, listen, so what we do is that we got to understand, right? I'm going to break it down, y'all.

That we got to understand that banks have rules, right? I remember going to people. I'm not going to hold you.

I remember going, and I was in credit, and I was getting good, and I'm going to try and figure out how to do funding because I'm like, "Yo, I don't believe in no man fishing for me."

Right? You're not going to go in and fish for me. I want to learn how to fish myself.

So I wouldn't pay anybody to get me funded. So I'm not going to go and say, "Hey, let me go to Rashad so he can get me funding, and I'm going to give him 10."

Right? A lot of people are okay with it because they're lazy. They don't want it. They don't have that drive.

My thing is that I need to know it because I need to be able to make adjustments and help other people put my other family on.

We're not often to come and give you 10, so I remember running through a sequence and figuring out, "I'm like, how do I do it?"

And I try to apply for credit cards, and they all got denied. I'm like, "Something wrong."

So I'm like, "Okay, do more research." Because you can't just apply for credit cards.

So I go, "Okay." So over time, I'm—man, I mean, I apologize. My family might feel some kind of way. I torched so many credit reports.

Like, yo, I'm telling you, they had inquiries. Like my wife at one point had like 24 inquiries. I was trying to figure it out, right?

Like moms, brothers, right? Everybody had it. Like everybody.

One of my cousins is the one who when we figured it out, he got the move. But I started learning that banks have rules.

A lot of people are familiar that Chase has a 524 rule. You can't get more than five credit cards with Chase in 24 months, right?

And so, okay, okay, get it. So then I started researching, and then you got banks like Bank of America that has a 2-3-4 rule.

You can get two credit cards every three months, three credit cards in a year, four credit cards total.

Okay, that's their rule, but they don't worry about if you get credit cards from other banks.

So I started learning the rules. Barclays has a rule. You can get one credit card every day.

So it excites people, but the code part is the exciting part was the fact that Bank of America will let you get two credit cards every three months.

But the two credit cards that you can get every three months, you can get the same day.

If you get them at the same time, you get them on the same inquiry. You get one inquiry, two credit cards.

See, Barclays ain't that great yet. One credit card every day. I can only get one because I can't come back tomorrow.

Once these inquiries hit, I'm done. Can't come back, right?

So this is when I started learning how to stack my credit card applications together.

Then you have to understand is that, listen, every bank—see, a lot of people get their credit together, and the dream credit card is American Express.

Listen to me. American Express goes last before Discover. The reason being, they're not strict on inquiries. They're strict on new accounts.

So if you don't have any new accounts within the last six months, I can get you approved for American Express with 18 inquiries.

This is where you want to be. You want to look and go Amex, Chase. You put them last.

They're not super strict on inquiries, and you have to understand with them is that they're going to come—and the reason they're not strict on inquiries is because they're going to do more of their verification and underwriting on the back end.

You got companies like Barclays, a lion, BFA. They do their underwriting on the front.

So if anybody—like most of the time when you get approval from Barclays, it may take you 48 hours.

And it takes you 48 hours because they're doing the underwriting on the front side. They're going to go through.

They may hit you and ask you for verification documents, income, improve your income. They may hit you with that.

Who Chase is going to hit you with a soft pull later. Let your credit card utilization start going out of whack, like using this credit card heavy.

They'll hit you with a soft pull. When they do a soft pull, if your credit score has dropped, you got derogatory marks, your utilization is out of whack, they don't slice your limits.

American Express is going to come and say, "Well, you put 150,000 on your application."

They're going to come a year later, ask for income verification. They're going to ask for your tax returns and say, "Well, you only made 40,000." Slice your limits.

Discover does the same thing. All of this is what helps. We have to understand. This is the information that we have to understand when it comes to credit card stacking.

So when you say, "How do you get multiple credit cards at one time?" You have to look and learn the rules of which credit cards can I apply for, get multiple cards at one time from one bank on one inquiry.

Literally stack them all together and do it at the same time.

So it's true key to that.

Fire!

[Laughter] Outstanding.

Yeah, so let's talk about recession proof, right? Because at some point, it's like, all right, you're learning all this stuff. You're learning this information, and it's changing your life.

I'm assuming it's changing your family's life. At what point do you turn that into changing and educating other people?

Listen, with that part, that was never my goal, right? I'm honest. Like that was never my goal.

My goal was never to help other people. It was—it was a secret, right? You understand? Everything I—my family thought I sold drugs, right?

Like I always see people—people think that, "Yo, everybody, these dudes be online selling information. This is how they make money. They ain't really doing it."

I tell people, fact check me. I have Bentley truck before I ever help somebody ever, right?

G Wagons before ever on my house, investment properties before I assisted because I had the game.

But I wouldn't—you know, it's how we feel. We know something, something we don't tell people. You got secrets and stuff that you know.

Be like, "Yo, nah, I know how we get to podcast number one. We know I'm not telling."

Right? You're not going to come. I'm not going to tell you. You got to run around.

So you got to go figure out yourself.

Eric Thomas—Eric Thomas, I was in Masters of the Game, and Eric Thomas said that if you know something that can help another man change the trajectory of his family and their future, and you don't share that information, you're selfish.

And it sat on me for a while because I still was like, "Yeah, sounds good."

Yeah, right? But it sat on me for a while.

But it came to a point to where it was like, "Yo, what's the impact that you're going to really want to make now that you're making money?"

I had my daughter, and then I started really seeing like I was born when I was born. My mom was homeless. We lived in a shelter from the gate.

When I had my daughter, she came home to a house I owned. And I think, and I look, and I go, "There's so many people that need this. I'm going to be wrong if I don't share."

Right? And so everything I created, though, was like for myself.

So then I started sharing it with people. That's when the recession proof started, and that's when I created a community.

But I didn't create like a program. I literally created a family.

So everything that we need, I go out and we do things, right? Like events that we have. We all came to the event. The recession proof was official.

I fly on private jets. Guess what happened? My mentees fly on private jets.

You're part of it. We have family. We operate on the same level. So they flying in on private jets.

We got all the exotic vehicles. They drive nice vehicles. The whole event was free.

So what happens is, is that not only are they learning, being able to be financially literate, they learn how to run and scale businesses.

So now I'm teaching you everything you need to know about credit, but then I'm creating leaders because in order for what I did for my community, how can I get—I was like, "Yo, I need at least 10, 15 other people doing this."

I never expected it to be hundreds, yet thousands of people going, "No, I need to help my community. I need to help my community."

And it's still people out there who don't know who I am or that I exist, but it's thousands of us helping our community.

So when we get on these platforms, this is the growth point is that we need more leaders in our community.

We need more people who are financially literate to take this back. Everybody's not going to have the tenacity and say, "I want to fish for myself."

But for those who do, those are the people that we need to stand up in the community that they need to take that back home and be that for their family.

They need to be there for the people around them, that resource for them to come and get this information from because if they're watching this podcast or listening to this podcast, how many people they know who don't listen to it, who didn't catch this information?

So that's my point is like when you look at recession proof, my whole goal is to create leaders in the community when it comes to financial literacy, when it comes to actually business, when it comes to growing and scaling and just being all-around leaders.

Not only with financial literacy, but if you see we did the takeover—remember we did the Kroger takeover?

Shut it down. Kind of went viral a little bit.

I was incredible. Big time viral. That was big.

Oh yeah, I forgot about that. Salute to that. That was really dope.

If anybody was not familiar, the guys went into Kroger in Atlanta, and I think they—

Twenty thousand dollars?

Forty thousand.

Forty thousand dollars for families before Thanksgiving so they can, you know, not have to worry about that bill and, you know, buy groceries.

So yeah, y'all did the free gas too.

Did the free gas. The crazy thing is we did the gas before the Kroger, before the program.

We almost went to do another gas station, but instead was like, "Yo, we decided let's just go do the Kroger."

Went into Kroger. We tried to do gift cards and realized that wasn't going to work, and we just said, "Open the lines up. Everybody's just running through."

That's why the receipts were so long. We just let the line run. Everybody ran through, ran the grocery store.

It was two days before Thanksgiving. Everybody ran through, and we took care of it.

Me and all the other guys, a whole bunch of entrepreneurs, we all got together, and collectively we did it together.

We did a collective amount of 40,000, but what my point was that as a leader in the community and the leader of like recession proof, my mentees turned around a few days ago, they—before yesterday, shout out to Bees for heading that out.

My guy went out. They went out collectively, and they put their money together. My mentees went and shut down a whole Walmart for like a foster care kind of company—not foster care, but like a shelter company that takes families in and helped them get rebuilt.

And pretty much went and shut and bought all of Walmart.

Now one of the mentees had a truck. He went and learned how to leverage his credit, got his own trucking company started.

He literally brought his truck to Florida. The mentees fly out. They are recession-proof shirts, and the news cameras out there.

They go shut Walmart down and do a give back. Had nothing to do with me.

Guess what the name was that represented him when they said who did it? Such a proof.

They said recession proof network, and I'm like, "Yo, this just shows the selflessness of the community that we built."

And that's why I was like, "Yo, this is different."

So it's really a family.

So in the recession proof, you actually—you also teach people like different steps on like all of it because what I'm realizing, even myself, I had to be educated on because like you said, a lot of people—everybody has courses and things of that nature.

And it's like what I'm realizing is that you can only really learn so much from like YouTube.

Yeah.

Or like even like a podcast. I think our podcast is the best out, period.

And you can—there's plenty of information where you can just act on that just alone.

But then some people want to—it's like, you know, some people want to go further with their education.

So like what do you actually teach in that? Like what are some of the subjects that you actually teach in the community?

In the community, my main topic that I teach is how to start a credit repair business, how to scale it, how to grow it, how to automate it so you don't have to be the one doing it.

Everybody needs a solid financial foundation. Teach people how to be that person. Everybody gets it. Everybody needs it.

So now you can be that home base. I teach people how to run a trade line business so that way you know how to actually turn something that's in your wallet into cash, right?

Something you already have, how to turn that into cash flow.

So literally how to start and run and scale the trade line business. I teach people how to start and help people get funded, meaning if people don't want to learn how to do it themselves, then well, then you help them for 10%.

So now you have your own funding business. Then I teach you every mastery trick you can learn about credit cards, which credit cards to do for running ads, which ones for free hotels, and you name it.

How to master your credit cards, how to travel for free. Teach them about private jets.

I teach them how to get luxury cars so you don't pay for them, right?

Because the goal is like even when I told you about the reward points earlier, I may win on a 6,500 shopping spree, but that's because I'm established before.

I'm established. You don't spend 6,500 on clothes. You spend 6,500 on bills.

So you don't pay for your groceries. You don't pay for your utilities. You don't pay for your mortgage.

You don't pay for your insurance. You don't pay for your Netflix. You use the reward points to make you have a zero overhead while your business grows.

So these are all things that I teach. But then I realized, like you said, you can only—I can only teach so much.

And when you say you got a family, you can't go and say, "Well, imagine a father saying, 'Yo, my kids don't only know what I know. I'm only going to teach you what I know, and all I did was learn financial literacy.'"

When I know that I got brothers out here like Alex, Good Energy, who running in and got people making six figures in trucking.

So I say, "Yo, I need you to come and train my people on trucking."

I got people like Wall Street Trapper who know stocks and killing it and started saying, "I need you to come and give them an introduction to stocks."

I got people like Justin Owens with Forex. I got Trust, how to actually, you know, minimize taxes to where you can defer your taxes.

And you know, I can close out a year doing millions and pay the same thing Trump paid, right?

How do we protect ourselves? Asset protection. All of these things come in because these are things that we needed.

Facebook ads, how do we run Facebook ads? How do you scale a business?

How to post on social media? I brought people in to teach us everything that we need to know in today's society.

And I gave them an ebook to sell so that way they have a digital product just in case you got nothing else.

You're an author. I also help you become an author.

So now that you're an author, what happens is that if you got nothing else, you can go and repeat my content.

What I said on EYL, you go put it out to people who didn't see, and you say, "Well, I got a DIY credit ebook that Him 500 told me. He taught me how to set up ClickFunnels. He told me how to run ads. I'm running ads on this video, sell this digital product."

And I still—I got another business.

And when you go on the book tour, don't forget the event space.

Yeah, yeah. Oh yeah, I thought it from—look, my brother Nehemiah Davis, Neo.

Shout out to Neo.

Shout out to the bro.

And as fate would have it, because like when we, you know, we take our time because it's like we got to be responsible about who we bring on the platform.

And you know, we kind of, you know, try to see if we know anybody yet.

So we was looking, and it just so happened that somebody that we grew up with actually purchased, became a part of the community, and he said he actually made money, and it's in his first month, you know, right here in October somewhere.

Yeah, yeah. You probably a fan.

Yeah, for sure. Made 30,000.

So I'm not saying that's going to happen to every single person, but we personally know him, and doing our due diligence, like I said, it just so happened that we actually knew somebody that was from our neighborhood that—

Yeah, it worked out.

That's heavy.

So you never know. You know what's crazy is that 30,000 first month, that's amazing.

And double salute. We're going to talk about off camera, but that's the goal for 2021 is that my goal is to be able to go out back into the community.

And in 2021, I want to help create 100 millionaires with that kind of goal.

We got a 100 millionaire challenge. I said, "Listen, people don't understand it. You know, make 100 millionaires."

I say, "Yo, that's a big number. A million dollars is a big number."

I said, "Listen, I made a million dollars in 30 days. If they can perform at a tenth of me, they'll be a millionaire."

All they need to do is perform at one champ of what I do, and if they fail and lose and do twenty percent, they walk away three, four hundred thousand a year.

Hell, we still successful. Our community is a lot better.

That's a fact.

So, and one of the things with UYL, I feel like online education is the new college.

Everybody thinks I'm anti-college. I'm not anti-college. If you want to go to—I went to college.

He has a degree.

So, you know, unfortunately, I'd have to spend money for college.

But yo, bro, why are you doing that?

I did. I'm just saying I did.

We'll talk about that after.

So, but yeah, one thing, you know, people come on, whether it's Alex, whether it's our brother, Koshy from—

Oh yeah, yeah, yeah, Philly.

Everybody, a lot of people, you know, entrepreneurs, they have different programs and different things of that nature.

And it's like what I'm realizing is that, you know, we can only ask is that, you know, they just show us a little love and give us a discount for anybody that watches EYL.

And of course, you know, like I said, if you invest in education, you invest in education. It's up to you.

If not, you know, just learning from the podcast is going to change your life.

But you know, we did—that's like a stickler. Like if you want to come on, like you definitely—we encourage people to

Talk about it with not only that, raising my kids, raising a family, raising me. From the gate, when we started this company, we started this together 100 percent. Not boom, we started the credit repair company together, so she knows everything inside and out.

But she's been more so behind the scenes. See, I was more so on social media; I talk. She doesn't care. She's a sociable person, like real life. I'm going out with all my friends; I'm on social media. Like, nah, we've been posting content.

First viral video, we argued probably 10 minutes before to get it right. Like, hold the light right there, tilt the camera, you got the wrong angle, look how you're making me look, I'm looking bad. Not argue, right? Everything that we went through, we've built this together.

And so now, one of the dope things is that as I built, we've been building the business infrastructure. Like, she's bringing in my HR people. She's the one who goes out and makes sure the accountants and everything is integrated right. She does all my integrations, and now we got it to where we're going to be kind of on autopilot and more active in the community.

I actually brought her in and said, well listen, it's a community of women that search financial literacy that's in this family. A lot of powerful women, but I haven't been able to edify my women in the community. And I, as a man, could never edify the women and be like, yo, let me get a group for y'all and I'ma set things up for you.

So now we have a sector for anybody who's in a recession-proof family. Another just added bonus is the women of recession-proof. So now she's going to run women of recession-proof to where they'll do women trips, they'll have women come and speak to them, women accountability groups just for the women.

Just because males have a more natural dominance, there's more males than it is women, but it's a lot of women in there. Like, that's bosses, snoop. There's a lot of powerful house women in there, and I'm going, okay, we're gonna set this group up of the women of recession-proof.

Shout out to her 500. That's her sector that she's going to be able to run and just pour back the things that she's been able to put into me and help be that for the other women in the group.

One thing I wanted to ask you two of you down, and congratulations too, I know you're getting married. Oh, appreciate it, so congratulations on that.

I talked to Alex about this; he said that he was down, so I'll put you on the spot to see if you're interested. But I know you guys did a great thing in Atlanta, and we had a special event that we did.

Shout out to Trap; he was in town. Shout out to MG the mortgage guy. Shout out to everybody that joined us. We was on wheels uptown, Dyckman, and over 400 families got turkeys, gift cards, a Disneyland trip, TV.

Shout out to my man Ken from Dickman; he said he had never seen anything like that since the government cheese days. Like, the live line was literally like five blocks down.

So I say that to say, you know, obviously there's a lot of people in need these days all across the country. So maybe when COVID clears up a little bit, we can plan something real big, a give back, a home in a way we can come to Atlanta, y'all can come to New York.

Yeah, if you're interested. No, 100, I'm in. You wanna know what's so crazy? Word to my mother, hands down, we did the gas station giveaway. The night we did the gas station giveaway, y'all announced that y'all was doing the Dyckman thing.

I'm laying in bed with my wife; I called Neo and I said, yo Neo, let's go to New York. I say, yo, EYL, Trapper, they got a thing they doing with Dyckman tomorrow, let's go to New York.

Alex had the clothes on his house, and I go, Alex said he couldn't go; he had to do something, he couldn't take off. Neo had to go and get his daughter. Okay, literally was coming. I was like, yo, let's jump on the flight and come and fly, and we was gonna pop out here.

I swear it was going to pop out. My thing is like, look, I got to be involved in the community in every way, so I'm with that 100.

Yeah, and after we did it, shout out to Brandon; I see you with him overnight. Yeah, yeah, like, yo bro, we gotta do it. We gotta do something big for New York.

So yeah, it's like competitive competition to do good, and I think as entrepreneurs, it's like, you know, we can show nice things, and that's great. We got to encourage people that way, but I think we also got to encourage people, you know, whatever it is.

Because it might be five dollars that someone might be a smile. You never know how what you do can affect somebody else to do something good. Like, now I'm saying, like, you might give away forty thousand dollars; somebody might not be in a position to do that, but they might be in a position to just help a lady across the street, snowballing.

You know what I'm saying? Just give a kid two dollars and not even say, yo, keep the candy, I don't want the candy, just take two dollars. Like I'm saying, so we need more of that because that's all we really have is each other, you know?

And we got an amazing unit, and it's just dope. You just brought up Brandon, and it's crazy being in New York, seeing all the love.

But it was another thing that I wanted from New York, right? Being here, seeing love, I rock with New York, but y'all got something here that's different from everywhere else, right?

And that's that whole Roc Nation. One of my goals was to get signed as a management deal to get met Roc Nation to actually manage my company to help that take it to the next level.

And so that's like being in New York too, feeling that. I'm like, when you just broke it up, like so many people here, but we don't think about who manages the entrepreneurs and gives that outlet.

Yeah, nobody, no A-list company or celebrities really have edified the education in the black community yet. And it's crazy. Not only is it powerful and impactful, we see it, but then the money that's circulating through the community is crazy.

So now that's one of the things. I don't know, it just so happens that we got the American Gangsta album, we got the Black album, you know?

Yeah, that's fate. What happened, Roc Nation, man. Shout out to the good folks. We got a lot of friends, actually. We got some people over there.

Shout out to everybody in Roc Nation for sure. Yeah, good people over there, people that we know for sure, good people.

All right, so how can the people contact you? How's your, what's your social media handles? What's your website? All that information?

@Him500 on Instagram, Him500 on YouTube, @Him500 everywhere on Twitter as well. Recession Proof Extreme is the website to just check out the things that I offer.

My program-wise is Recession Proof Extreme. Also, you can visit me on Instagram @Him500, click the link in my bio, or if you want more content and just learn more about financial literacy, take a scroll through my page.

I got a ton of videos where I just teach and just give information away for free.

Yeah, shout out to Sherry Bryant, president of Roc Nation, who was a loyal supporter of Ernestia, a good friend of ours. I just, yeah, we got the seat warm for her.

Yeah, I sent my congratulations to Snow Allegra; hopefully that got sent to her. Shout out to Sherry, shout out to Sherry for sure.

Troy, housekeeping items. Yeah, shout out to everybody on Patreon.com. Y'all know that's how proud the paid program, man. It has grown, man.

It's so interesting to watch how that has grown over time. And shout out to everybody that is on EYL University. You know, the Patreon tier 5 members, you have access to the number one online school for education that is EYL University.

And shout out to everybody that's supporting the merch, man. It is going really well, man, so I'm happy to see everybody out there.

I need some people to start tagging when they wear the merch, store, man. I like seeing that, man. I love to see people working out in it. I love seeing people having it all while they're watching Market Mondays or they're watching the podcast.

So keep doing more of that, man. I'd love to see it.

Yeah, for sure. Thank you guys for rocking with us. We appreciate you.

We'll see you next week. Peace. Peace. My graduates from my school, being Forbes backdrop drop my drop. [Applause] Backdrop.