Transcription
We got to get this money. So, how you guys going to help me get to that bag, man?
I like to tell people that we're in the social media era. It has never been a time as we're having right now. But now everybody's on their phone. So, it's direct-to-consumer now. It has never been an easier time for you to become rich, to change your family bloodline, or even life. That's the great thing about social media, and that's the way that we were able to impact so many other people to change their lives through financial literacy, through credit, business funding, help people with their student loans, and things of that nature, you know?
Once you get your credit report, guys, you can copy that full report, and what you could do is you put it in chat GBT and say, "Chat GBT, I need you to create me a dispute letters based on the negative items on my credit." And what happens is chat GBT is going to create you three letters. They're going to create you for Experian, they're going to create you for Equifax, they're going to create it for TransUnion. If you don't want to mail out those letters, guys, you can also send it to the CFPB. So, what the CFPB is is a
No fear, have no fear, Mr. Organic is here, and this is organically speaking. Now, listen up. We only have one of them ones individuals in the building today. We definitely do. I'm talking about financial literacy. We're talking about getting money. We're talking about, "Hey, man, we want it today. We're going to work hard today. We ain't waiting tomorrow." You know what I'm saying? Got my man Ali here and Jamar in the building. What's popping, champ?
What's going on, champ? Thank you for having us.
Yeah, you already know.
Sir, thank you for having us.
Yeah, you're welcome, man. Got the music playing a little bit Raj. Yeah, right here in this little Apple thing. There we go. But yeah, welcome, guys. Welcome to Miami. You know what I'm saying?
Appreciate you, man.
My guys coming in fly. I see the Prada's on the feet, you know what I'm saying? Got both of them hot it up, okay? I like that. Um how we feeling today, guys?
Oh, feel good, man. Can't complain. Listen, came down from New York City. My man Ali, I'm residing Atlanta right now, but listen, we here to just love on the people and give people what they need.
Yeah, cuz right now it's a trying time, I say. I was telling people in 2025, 2026 is going to be that financial war, and it is taking place right on cue. You know what I'm saying? The big boys is going at it right now. So, we got to turn up. I see them going on with Black Rock and all that. We got to get this money. So, how you guys going to help me get to that bag, man? Let's go with you Ali first. Ali.
At the end of the day, right? We're in a whole different era nowadays, right? I like to tell people that we're in the social media era.
Yeah.
It has never been a time as we're having right now, right? Back in the days, people used to look online. They used to watch on They used to watch TV. You got to put your ads You got to put everything on TV. But, now everybody's on their phone. So, it's direct-to-consumer now. It has never been an easier time for you to become rich, to change your family bloodline or even life in general. It has never been a better time than now, man. And um that's the great thing about social media. And that's the way that we were able to impact so many other people to change their lives through um financial literacy, through credit, business funding, help people with their student loans, and things of that nature, you know?
Yeah. All through social media, direct-to-consumer.
Yeah, that's beautiful, man. Come on, guys.
And I'll say this, too, right? We're in the time right now where people are getting laid off. Um it's really hard to get a job. AI is taking over jobs. I don't know if you You know with these new AI agents now. It's It's extremely different now. So, I'm telling everyone right now, if you're not educating yourself about financial literacy, what are you doing? Because at the end of the day, this is what's going to give you the leg up on the competition. See, my man Ali, he always say something, right? It's like, "I'm not here to give you a hand up. I'm here to give you a hand up."
Yes.
So, we're here to give everyone a hand up. So, we're going to drop a bunch of plays, love on the people, and give them what they need in actionable steps that they can take today to change their life.
That's historical.
Yeah.
That's what it's about, though. It ain't about um you know, waiting for a handout. People do that all the time. "Hey, put me on." Put you on? I'm about to get on. You know what I'm saying? I'm here to pull you up. You'll be right beside me. We could build together, man. So, what's some of those steps you got for me, Ali?
So, one of those steps, right? Um right now, we're going to We're going to get right to the plays, right?
Yeah, let's get to it. Why not?
Especially Especially if people watching on
And we [clears throat] in this organic [ __ ]
They love Hey, man, they love the money over there. We got to feed them instantly. right?
Yeah.
So, let's just say right now a lot of people first off before the money, a lot of people suffering with student loans, right?
Yeah.
So, right now ever since COVID, you know, they put a freeze on the student loans. So, people now they're suffering. A lot of people didn't call their student loan providers put their student loans in deferment. So, for a lot of you guys, right, that has student loans, especially for public people that's working in the public services. If you a cop, if you working as a teacher, if you a nurse, what you can do is you can have your student loans completely forgiven by calling in asking the student loan department to send you a form. You use that form, you take that form to your job and have that form filled out. Once you have that form filled out, guys, you can have your student loans forgiven. Just say after 10 years, which is about 120 months payments, but I'm going to also show them how to not like if you're how to pay as low as possible when it comes to student loans, right?
So, to pay as low as possible with your student loans, you can fill out a uh the you fill out an income driven payment plan.
Yeah.
So, the income driven payment plan is not just based on your income, but remember a lot of us has many people in the household, right? It's based on your household.
Oh, yeah.
So, based on your household, it would determine what your student loan payments are. So, now that's how you're able to have your student loans go from you paying $100, $200 a month to paying $0 a month. And guess what? The $0 a month actually counts as payments.
Mhm.
So, now just say you're a public service worker. You're like, "Damn, I went to college. I got $500,000 in student loan debt. Instead of paying all that back, now let me get into this program and after 10 years, my student loans are completely forgiven. I ain't got to pay my student loans. But then every year what you can do is keep it in deferment and keep that program up. So, at the end of the day, you beating the system. Because they teach us how to get into debt, but they don't teach us how to come out of debt.
That's a fact.
So, now the game completely changes cuz how can you protect the the the how can you protect and serve? How can you be a nurse and protect patients or be a cop and protect people in the street when you're financially struggling?
Stressed the [ __ ] out.
about student loans.
Oh, for
The late payments on hit you 90 day late payments and now you there crying you like damn 90 day late payments I can't get approved for mortgage I can't get approved for anything. What the hell can I do?
Yeah.
Now you got Ali.
Yeah, for sure. Ali going to help us out. Especially public public servants. You know, they they cops and nurses and helping people. You think they here for their job but they think if they going to be kicked out they got these [ __ ] wages getting garnished. They sick they can't even help the people man.
They busting and discussing.
Facts. What you got Demarcus?
Yeah, I say this too, right? Especially for public servants firefighters. How can you How can you run in a How could you run into a house that's on fire save somebody knowing that your back is not right. You know what I'm saying? So this is what we doing we helping day-to-day service workers, right? We don't want to separate ourselves from these people even though we entrepreneurs right? We understand 90% of the world consists of people that work 9-5s, right? So we want to be able to take care of them but after we get the student loans and everything set up, right? And we get all of that fixed what what do we do with our 700 credit score, right?
Yeah.
So now this is when we start to leverage funding because he'll take over the credit repair side I'll take over the funding. So now the average person that's walking around with a 700 credit score they don't understand the leverage they have power they have and understanding they have, right? So I'm going to show them how to go and get money, right? So number one thing we want to do is establish relationships with the banks. And how do we establish relationships with the banks? Make deposits routine deposits. Open up that bank account open up that business bank account because the banks they respect deposits, right? Because at the end of the day what the banks do with the deposits? They're giving out loans auto loans they're giving out mortgages and they're obviously adding on an interest rate to it, right? So at the end of the day by you making those deposits even though your money's physically there you don't see it they're leveraging it all over.
Most definitely.
So now once we establish a relationships, right? What we want to do now is request credit cards high limit credit cards especially on the business side. We can go over to Chase, right? They have two different cards Chase Ink Chase Chase Ink Unlimited and then they have the um Chase Ink Cash, right? So, we got two different cards. Here's the beautiful thing about Chase. A lot of people think it's just 12 months 0% interest.
Yeah.
Nah, it's not just 12 months 0% interest. Cuz what we can do is with the We can go for the Chase Ink Cash. Let's just say organic, I get you the Chase Ink Cash for 50,000.
like that.
You know, a year later, you know, your interest rate is coming up. So, now you know, you have a balance. You're like, "Yo, listen, 0% about to end. We know that interest rate about to come." We can go for the unlimited, combine both cards.
Bang.
Now, when we combine both cards, guess what? Our 0% interest period starts over.
That's hard.
So, now we got 24 months. So, this is where the game starts, right? And then we can go over to these Elon Financial banks. Let's just say for instance, US Bank.
Yep.
Also, we got a Mears Bank.
Okay.
The beautiful thing about the Elon Financial banks is on the personal side, you got 21 months 0% interest.
That's some time. That's some time to work.
2 years you got to run a play on the personal side. So, you can take your clients there just to build up their personal profile.
Right.
And then on the business side, you got 18 months 0% interest.
Damn.
So, now, here's the thing. I'm going to I'm going to Elon Financial's bank first. Why? Because you don't need a relationship to establish credit with them.
Okay.
Right? So, these are the things that we teach our We teach our clients We help our clients get into, right? And obviously, what we do is we work with a lot of people that's in the real estate industry, right? So, we help them to leverage capital in order to purchase land, to build properties, salon suites, uh just multiple industries, right?
Right.
Because at the end of the day, a lot of people don't understand what leverage is, right? Like Elon Financial, he I mean, Elon Elon Musk. I said Elon Financial. Elon Musk, he leveraged He leveraged funding to get Twitter.
Heavily.
You know what I'm saying? Look at the dude from Jersey Mike. He leveraged debt to go into Jersey Mike. Look at the dude from Fubu.
Come on now.
The guy from Fubu. His mother put a house up for collateral cuz she believed in him.
That's heavy.
That's leveraging, right? sure. And it's There's a difference between leveraging good debt and bad debt. So this is what we want to teach people, right? But first we have to have our mindset right.
Got to.
The mindset matters more than anything. If the mind ain't right, then we can't go into funding.
No question.
So at the end of the day, what are you going to do, right? If you're going into funding, if you want to learn funding, maybe you come to me and Ali. If you want to learn real estate, maybe we send you over to my guy Eric Crutchfield, right?
Oh, that's tough.
Yeah, maybe if you
Crutchfield, they got the Cena and all that, right?
Yep, yep, yep, with the Cena. Yep, yep, yep. So wherever you want to go, we'll send you there for you can get the understanding, then you can go and leverage that money the right way. Because here's the thing, if you give it to somebody who never had it,
They going
You already know you're going to fumble it.
Hell yeah.
Hey J, hold on, hold on.
What you got, Ali? I saw you trying to jump in there. I know you got something.
What happens when he's still holding the bag after 24 after 12 months or even 20 20 either 18 months? What can they do after they hold the bag?
the thing, a lot of people think a 0% interest period ends at that 12 month 18 month that 6 month. Nah, cuz now what we can do is leverage balance transfers, right? Obviously Elon Financial again, I'll go back to them. One of the best for balance transfers, 0% interest for 18 months. Or you can call up Chase and say, "Hey Chase, how many do you have any promotions right now for 0% interest for a balance transfer?" And they'll tell you, "Hey, I have a promotion." From there, what they're going to do is deposit that money into your bank account, they'll deposit it into your bank account, now you can disburse wherever you need to put it.
And what's the balance transfers for people that don't know?
So a balance transfer is basically you leveraging the money that's on your card, transferring it over to your checking's account to pay off a balance. So you can pay off another credit card, move it towards a credit card. You can move it towards debt if you backed up somewhere, but you can leverage that on that specific credit card, have a 0% interest period, and move it.
That's hard.
Yeah.
Yeah, people don't know this stuff. Like I ain't going to lie, like when I first got into money, um I wasn't using my credit at all. I was using nothing but cash, you know what I'm saying?
Yeah. I'm talking about you know, until it was too late then I'm like when I learned it I'm like damn I could have got so much money from this bank. How much money I'm going to put in this bank and use it and put it back in again? So it's good information people who got money or don't got money. Because once again I was a person with money and I didn't leverage my credit at all. So this is good information. So it doesn't have to be nobody I got a lot of people that got bread that ain't leveraging credit. So that's what I want them to know too. Don't think because you got money you can't use these plays. It's still good for you too.
me let me double back real quick, right? Because I know I just gave them a student loan play, right?
That was heavy too.
Since a lot No, you thought that was heavy? Since a lot of people right now are still suffering. So for those of you guys, right? That have late payments right now on your student loans, your federal student loans, you have recently got late payments, right? This is what you do, right? Go to call up your student loan company. There's going to If you look online, matter of fact, there's going to be a form that you can fill out. It's a deferment form or even a forbearance form. You get that form, right? And what you do to get those late payments off, you're going to fill out that form and when you fill it out, it's just very important. Do not miss this step. You're going to put the the You're going to look at your appointment see when you were late. Whenever you were late, what you're going to do is the start of the deferment you're going to tell you're going to put on that form just say you were late in January 2025. You're going to say January 2025 I want my forbearance to start or my deferment to start. When you submit that form either through the mail or online, what they're going to do is once they process it, the representative is going to go back and remove all those late payments since the time of 2025 till now. So it's going to be current.
Mhm.
Once that happens now, because remember your score could drop from 800 to 500 overnight.
Instantly.
Once that happened, your score goes back up and now you're back in good standing.
That's hard.
Instantly. And then also too, the reason why that kills people a lot is because when student loans become late, it's about eight different accounts on your credit report.
So when one one account get late, all all of them accounts become late at once.
That's true.
like five or six different accounts that went 90 day late. A lot of people don't even know student loans, it doesn't start until 90 days late.
Right.
of a 30-day late which dropped your score about 50 points, 90 days late should drop you about three times as much. So, that's why it's super crazy when somebody gets a late payment on student loans. But, I just gave people the play that cost thousands of dollars. I just gave it to you guys for free just
Come on, man. Organically speaking, you know, we feeding the people. That's what we do around here. We drop them seeds of greatness, you know what I'm saying? Money trees. You got to plant the seeds, you know what I'm saying?
It was so good.
That's a beautiful thing that people like to overlook those those student loans that they cuz they heard about the forgiveness plan plan and all that. So, they think it already went to effect. They got to reverse this [ __ ] if I'm not mistaken.
Backdated.
Yeah, they backdated it. So, they coming back and smoking you. So, it's very important that hit my dog Ali up and get with this [ __ ] man.
And I want to say this, too, right? Cuz obviously once we get everything right, right?
Right.
one thing I see with people is when they start to go looking for funding, they going outside of their backyard for funding.
Right.
We can go to a website called bank branch locator. We can put in our zip code and it'll show every single bank that's in our backyard.
Right.
It's like why are we not leveraging the banks that's in our area? Credit unions give you more money than anybody. Why? Cuz they're nonprofit. And they want to build a relationship with you. So, a lot of these banks are for-profit, right? So, obviously a lot of factors play in. So, here's the thing, right? As soon as you go to your backyard, you can see what banks are there. So, if I know Truist is in my backyard, which obviously we know it's regional. It's a regional bank. If Truist is in my backyard, I know I can go for multiple credit cards, right? If if US Bank is in my backyard, I know I can go for multiple products as well. And people people stop and they get one product from the bank not understanding that there's multiple products.
Right.
As you establish a relationship, it changes the trajectory because now what you can do is now you open up lines of credit. Now you open up term loans, right? And this is what happens when you build those relationships with the banks. And the problem is a lot of people don't understand what leverage, right? And I'm always going to go back to leverage, that's going to be the key word today because we're not leveraging what we have enough. We're not leveraging because what the average person will do is they walk in the bank and they're always like, "Man, what do I qualify for?" No, we need to walk in the bank saying, "Hey, what products do you have?" And understand too the products, do your research. Like I know Bank OZK. If I go in and open up a business bank account right now, right?
Uh-huh.
I can move that money and make a deposit, let's just say I make a deposit of $100,000.
Yep.
I can move that money to a CD account for 7 months, they'll give me 4.4% back.
And
So, now, look, here's the thing, that's not the thing. They'll give you 4.4% back. But here's the thing. Also too, because you have money in the bank account it's on hold, they'll give you a line of credit now.
What?
They'll give you a line of credit for the same amount of money and you're getting an interest on your money. So, now your money's making money and you're still running the place with your money.
Oh, that's vicious.
So, a lot of people don't understand how to leverage the banks. When we go in, we need to be asking the relationship manager. We We first and foremost, when we go in the banks, we're not talking to the tellers no more.
Who are we talking to?
talking to the managers. We want the business relationship manager.
Yeah.
Why? Because they're going to give you every play. Why? Because a lot of them make money off of you going to get, you know, those products, a line of credit, a credit card. So, we need to have conversations with them on what How can I benefit moving my money over here? We need to walk in the bank saying this, right? Hey, "Right now I currently have 400K in AMAX. What can you guys do for me to move it over?" I don't care if you don't got it or not, but that's how you need to walk in the bank because when you have a 700 credit score, you're a commodity.
High.
[ __ ] it's different, man.
going to stand instantly. Yeah, cuz they don't like most of us, we don't go in to talk to the financial advisor inside the bank. They just use the bank to deposit their checks and, you know what I'm saying, pay their bills, not knowing all Yeah, all these attributes that's sitting right there in front of you. You know, they only come to the high value people, you know what I'm saying? When I went there dropping that bread, they were like, "Hey, can we talk to you in the back?" I'm all But when I was a regular [ __ ] they never gave me no information. You You I'm saying? So I know most people just overlooking that, and it's there. That's your bank. They got attributes for you.
Mhm.
So, that's smart that you're telling that cuz yeah, even when I like I said, when I was younger, I just had my money in there, wasn't paying no attention. Even when I had money, when I talked to the people, they didn't give me all the information. Got a couple business credit cards and things like that, but I didn't know about that leverage.
Not yet.
That was hard.
No, he knows like I'm talking about this guy is an open book.
Yeah, for sure.
Can you give them cuz you talked about credit union, right?
Yeah.
What do you What's the best credit union right now somebody can go into?
Yeah.
Man.
So many. I like I like First Tech.
Mhm.
So, let's say for instance, you never had a credit card before, First Tech will come in and give you a $20,000 credit card.
Off the rip.
Here's what they're going to do. When you apply, all you have to do is connect your business bank account via flat plaid. It's just a second layer of security, and they're approving you for $20,000.
Mhm.
It's crazy, man. It's leverage, right? And here's the thing too, when we talk about leverage, I'm always going to go back to leverage, y'all. So, listen.
that for
When we talk about leverage, right? Here's the thing, right? People don't understand, even with AMAX. AMAX has a concierge service. So, let's just say for instance, right? Organic, you know, you're top 1%.
Most definitely.
The women The women love you, right?
They As they should.
what I'm saying? So, let's just say for instance, right? You got AMAX card, they work for you.
For sure.
They work for you. You could call them up and say, "Listen, I need this whole I need this hotel booked for me."
Yeah.
"I need this restaurant booked for me.
Uh-huh.
Can you find these sneakers for me?"
Yeah.
They have a concierge service for you if you have a AMAX platinum card.
Mhm.
But, we're not leveraging those things.
We're not.
They'll you literally Obviously, you have your Resy app as well, but you have a concierge service to get you anything you need.
Yeah.
Even from on Chase. If you have over a million dollars in deposits, right?
Yeah.
Or you have a million dollars sitting in your account, you get a concierge service. Whatever you need, they help you in your day-to-day. If you need a hire, they will go and hire for you. People don't understand that.
They don't.
And I have conversations with relationship managers day-to-day, day-to-day, and I'm always constantly picking their brain, taking notes, or saving it just to make sure I bring it to my clients, especially the high-income clients.
Yeah.
It's hard. People ain't playing. They ain't playing the game to win. They're just playing the game, you know what I'm saying? Like other races, they already had this head start and and we just, you know, we never had this information or we did, we didn't utilize it. So, that's why I love these conversations because it's extremely important cuz we run through the most money in the world.
burn the most money. We spend the most money.
So, we will leverage the money.
What we going to be?
We the market.
Listen, we got to leverage it, right? This is a reason why I say that with credit is more is the most beautiful thing ever invented, especially in the US cuz what happens is people cry about, "Oh, but the white man did this and that." No, man, listen, we on the even playing field when it comes to credit.
Talk to them.
We on the same playing field, right? It's all about the score, it's about the numbers. Credit is your walking around report card. Like it's your report card. Nobody know who the hell you are. When you walk in, they only know what you've done in the past when they look [snorts] at your resume, which is your credit report.
Hold on, hold on, Ali. I'm sorry to cut you off cuz you originally from Senegal, right?
Oh, yeah.
Senegal. Do they do they have credit in Senegal?
They ain't got that. We ain't got We ain't got the same credit system you got in the US.
They got that.
Why [snorts] you think people killing themselves from coming from third world country to get to the US to take advantage of the system we got?
But we don't realize what we got into with it, right? It's in front of us. And let me tell you why I say that people that have Matter of fact, let's go back to that, right? Somebody come from the US right now. They just got to the US. They got here. There's people in here that been here for a few months.
Right.
just got to the US and you've been here for a few months and just say you even just got a social number or whatever, right? What you can do is a lot of people don't know that Chase has a program where you can go in there, you can opt in, you can sign up with Chase, you can open up a bank account. And when you open up a bank account, there's a card called Freedom Rise. It's a Freedom Rise card you can start up with. You can sign up for that account. And when you sign up for that account, they instantly start you off. I just had one of my boys, he just came from Africa, Gambia. He just got here for a few months. He I told him to go to Chase, get the Freedom Rise card. got it, he got a bank account. They started him off with $2,000.
Off the rip.
Off the rip. So, now what you What happens when he got that card for a month or two and he goes applies for Capital One or he applies for American Express and he applies for them other guys and he only been here for a few months.
Yeah.
All them other guys is going to start him off with higher limits already.
Off the rip.
Because Chase already gave him $2,000. He just got to this country.
Yeah.
So, now when he has three cards with over two or three $3,000 limits
Yeah.
now it's easier for him, especially coming from back home, knowing the advantage that he ain't got to work for the work to get all that money.
Damn right.
to the bank and leverage that. Now, he can say, "You know what? It's time for me to get funding for my business
Mhm.
and because I already got three credit cards on my credit profile and the banks are about what? Comparable what?
Comparable credit.
Comparable credit.
Now, he can piggyback off that and now the banks is giving how much how much how much times more on your that you have on your personal
more. They're giving you 10 times more.
So, just say just say he got $3,000 on his personal side. He goes to the bank and now on the business side the bank's giving him 10 times more than that $3,000 and he got $30,000 on a business credit card, 0% interest for 12 to 18 months. Now, he's able to use that and leverage it to invest into the business that he want to invest in instead of coming out of pocket, it's a complete game changer.
Mhm. That's hard.
Why can't we do the same thing?
We should have been doing it.
works for us.
For sure.
But why is it somebody have to come to America, just got here
Yeah.
that can get an instant $2,000 credit card just like that?
Yeah.
Because he's taking action.
Right.
We have all this information in front of us. It's only It's The only thing we got to do is take action. So, if you guys are watching this, y'all should be having a pen and a paper and y'all should be taking notes because y'all learning from two seven-figure earners.
Facts.
So, if we're sitting in front of y'all and it costs thousands of dollars to even talk to us one-on-one
No question.
and we're giving you guys regular game, crazy game that people don't even give you guys on the internet
Right.
you should be taking notes and you should be rewatching this.
Yeah, yeah. This is a blessing. You you really [clears throat] feeding the people cuz this is vital information that's right there at their hands right now.
Again, we're going to give them game all day. We just going to drop game.
They're going to have to go back and take notes.
As they should.
to have to go back literally. Have your pen and pad ready. So, listen up.
jotting on, man.
Get your jotting on, man. So, here's the thing, right? A lot of people don't know, right? So, he just said the Rise card from Chase. But, maybe you don't know about any of the Chase promotion Chase cards. What you can go is to helpmebuildcredit.com. And what happens is when you go to helpmebuildcredit.com, you're able to see every single card for every single bank. And what you can do is study the card. They'll tell you what promotions, they'll tell you how long is the 0% interest period. They'll tell you if you spend a certain amount of money, how much rewards points you can get. And then the beautiful thing about helpmebuildcredit is it'll tell you what bureau they pull from.
All right.
They'll tell you. So, they'll tell you, "Hey, AMAX is pulling from Experian." They'll tell you, "US Bank is pulling from TransUnion." So, now now we can apply like the like the pros do, right? We're going to apply horizontally. And what when I say apply horizontally, let me break it down, right?
Please do.
That's That's one inquiry at each bureau instead of just applying in six different places and now you got six inquiries on Experian, it's one inquiry at each bureau. So, obviously Chase, we go to Experian. TransUnion, we're going to US Bank. And then Equifax, we're going over to Truist. That is one inquiry across the bureau.
Hard.
You see a lot of people what they do is they're struggling, you're showing the banks that you need the money.
Yeah, you can't.
We don't want to show the banks we need the money cuz contrary to popular belief, the banks don't want to give people money who needs it. They want to give people money who want it.
That's gang.
Right? So, at the end of the day, it's just like a woman in the street, right? I always say it's just like a woman in the street. If if I if if I got a woman sitting at the bar, right? And I'm talking to a nice young lady and she and she feeling me, I'm feeling her. And I see another woman beside me and I turn around and talk to her, I lost that woman.
Violation.
That's what happens when you apply in the same bureaus three or four times. It shows the banks that you're shopping around.
Man, you out here being thirsty.
Yo, thirsty.
even though you at there balling.
Thirsty.
How many credit cards are on that app? Like, how many Is it just one or two credit cards? How many
No, every single credit card in the industry is on helpmebuildcredit.com.
Lord have mercy.
So, it's like you should be studying what you want, right? So, if you want a Amex Platinum, right? Study it. What What does a Amex Platinum consist of? What's the criteria? It consist It's a travel card. But, if you in business, I'm going for like a Amex Gold. Why? Because if you run ads, you getting four points per dollar spent.
That's hard.
So, now now you now you This is how you fly for free. You hear the gurus online, right? The gurus online, they tell you, "Hey, I fly for free." This is how they fly for free. Because a lot of the gurus online, what they do is they run ads. They run ads, and now they getting four points per dollar spent, right? Or they going to the supermarket, right? Where you getting three points per dollar spent. You going to the supermarket using your gold card, your platinum card. Now, you getting three points per dollar spent. This is what This is what the gurus are doing. So, now those points are accumulated, and now you get to go to Italy.
Yeah.
get to go to Iceland to go swimming, right?
I see him out there.
get to go to Now, you in Cancun. You know what I'm saying? Enjoy yourself, right? You been there?
I have. That was great, you know what I'm saying? Body sweat a little bit there.
Yeah.
Glory to the man above.
This is what I'm saying.
So, just to break it down, that's why people say they traveling for free.
Yeah.
Like, it was it it was free for me and Ali to get here because we leveraged our points.
For sure.
You know what I'm saying? So, it's all about leverage cuz here's the thing. The average person is going to use a debit card. That is the worst business decision known to man.
the debit card usury.
It's the worst decision known to man because guess what? It don't It don't make you no money. It don't pay you to use it.
Right.
And here's the thing. If you dispute something with a debit card, you more than likely going to lose it. But, with a credit card, there's insurance on the credit card, y'all.
Every time.
So, let's just say for instance, something happens to your card, and you got a you got a credit card, here's the thing. Now, you have a team fighting for you in the back end because there's insurance. Cuz it's not your money.
That's they money.
Man, what you got, Ali? You guys you want to jump in there.
Can I talk to the people that paying their rent and still paying their rent for a living and just not getting credit for it?
Oh, man, can you break that down? [ __ ] yeah, that's hard. [ __ ] need that.
The first thing if you ain't if you don't got If you don't got credit or you do got some credit, there's no one way on earth you shouldn't be getting credit for paying your rent.
Facts.
Right? First thing you need to do, right? If you're paying your rent every single month and you've been living in your place for a while, you should be applying for BoomPay, right? And what BoomPay is is an app where you can sign up for and you can report your rent every single month. So, just say and matter of fact, you can also backdate it. And the reason why you want to backdate it is because 15% of your credit score, which makes up about 82 points, it's made up of age. So, age itself, which you can't really speed up, that instead of you getting an authorized user, which is, you know, not always benefi- not always the most beneficial, right?
they call them as you never know who can do what with that credit card and they add you on.
Get yourself added on your rent. Backdate it 2 years or even 5 years with BoomPay cuz you're going to let them know on the start date, "Hey, I've been living here for 5 years." Now you got 5 years of age on your credit and now your your credit score goes up. Not only BoomPay, you can even do Rent Reporters too as well. Backdate that 2 years. Now you got two accounts on your credit profile, right?
at the same time.
Both at the same time. You got two accounts on your credit profile, right? And not only that, right? You're paying your rent, but you're not getting credit for it. Now you can apply for a Bilt credit card. Bilt just came out with a credit card last month.
Okay.
The Bilt credit card, guys, you can use that and every time you pay your rent cuz a lot of times when you pay your rent, you try to pay with credit cards, what happened is they're going to charge you about 3% of your rent and that's a lot of money, right? So, the Bilt credit card doesn't do that. Bilt credit card, you can pay your rent with that and then you can also accumulate points for paying your rent with that Bilt credit card. So, guys, that's something that you guys should all be doing, guys, cuz it's a game changer and that's the only card you can use to pay your rent. And you're paying your rent anyway, so why not get those three accounts on your profile? Cuz when it comes to funding, everybody needs at least five to five to eight positive accounts on your credit profile. So, I already [clears throat] gave you three just now.
Good ones, too.
a living, you're paying you you're reporting your rent, you pay your rent you're going to report it with BoomPay, you're going to do RentReporters. Now you got the Build credit card, and I'm going to give you two two more right now. Come
Before you get those two, how long how many years can they backdate it for?
Oh, 5 years. Now you backdated 5 years. Now your credit score goes up, right?
Look at that chunky on there.
It's Oh, it's a game changer, right? And now just say that you need another two accounts to to sign up for. You can do the First Tech Credit Union like he told you. First Tech Credit Union you add your you add your income, they'll they'll give you a amount based on your income. We seen people get approved for 10, 20,000 dollars on that. Then you can also do Four Leaf Credit Union. Four Leaf Credit Union as well, they give high amount high limits. They give crazy limits. Four Leaf and then also all you got to do is join as a member right after they approve you. It's super easy cuz remember, credit union give you the bag, right?
Right.
Cuz they're not for a profit as much as the regional banks are. So, they give out the bag. So, now when you got these limits on the credit unions, now when you apply for all these other traditional accounts like the American Express, the Bank of America, now they already start you off with higher limits cuz they're going to say, "You know what? Um First Tech Credit Union gave him 20,000." How much you think they're going to give you now?
That boy dropping bombs.
If you have 20,000 and you're a 20,000 dollar person, you're not a a 200 dollar person cuz you're applying for Chase with a with a with a security deposit. You apply for a credit union that gave you 20,000. What do you think the other banks are going to give you now?
They got to start at 20 and up. Yeah, got you. From the rip.
Same bracket.
And here's the thing, too, Ali. The thing is, right? We need to start treating the banks like our family, right? Because here's the thing, if I go to my cousin right now, Johnny, and I say, "Yo, listen, can I hold 20,000 dollars? I have a dream. I have a business I want to build." He going to say, "Hell no." He going to say, "Hell no." But if I go to Chase, Chase going to say, "Yeah." You know what I'm saying? So, we need to treat the banks like our family. And here's the thing, too, a A of people may hear all of this and they say they may think yo, it's a lot of inquiries.
Right.
It's a lot going on, right? Like it's too much, right? But here's the thing what we can do. Cuz for those people who are inquiry sensitive, right? What we can do is, we can leverage pre-approval tools.
Damn.
We can leverage pre-approval tools. You can go to Google You can go to google.com and put in credit card pre-approval. Chase has credit card pre-approvals on the personal side. Capital One has credit card pre-approvals. Discover has credit
card pre-approvals. The number one banks for me that I like for pre-approvals are, um, Federal, um, credit unions, right? Credit unions. So, Wings Federal Credit Union, Christian Community Credit Union. We can go there and basically apply, um, via pre-approval.
And here's the beautiful thing, right? I want everybody, you know what I'm saying? It you can double dip. You can double dip. And let me break down double dip for y'all.
>> Man.
>> You can get pre-approved for three different products. Not just one. So now you get a pre-approved for a credit card. You get pre-approved for a loan and you get pre-approved for an auto loan.
>> Stupendous.
>> Somebody say double dip. Right? So we have to start to leverage. Yeah, you know what I'm saying?
>> Like that.
>> So people have to understand what's in front of them and how to leverage it, right? Because you can go to these credit unions get pre-approved for a $25,000 car, $100,000 a $100,000 car and a $50,000 loan.
>> Yeah.
>> So now you getting three different products from one inquiry.
>> Vicious.
>> That's for my inquiry sensitive people.
>> Wait, J J J, hold on. What do you What about the people that are sitting there? They're in debt right now. They maxed out their credit cards. You know, 30% Remember, 30% of your credit score is what? Usage.
>> Hell yeah, that's usage.
>> That makes up a whole lot of points. That makes up about 192 points. That makes up a lot of points.
>> That's scary.
>> Say for those that's paying their credit cards every single month, right? They're paying it every month, but they're drowning. Because they're like, yo, I'm paying it every month, but every time I'm paying it, I don't know why the balance is not going down. Guess what? It's going towards interest. So what do you say for those people? How do you get out that situation?
>> [clears throat]
>> Let me break that down for you.
>> They they sinking in the goddamn quicksand, man.
>> No gatekeeping.
>> No gatekeeping.
>> Come on, man. A lot of people
>> We all we all organic.
>> Organic speaking, man.
>> Organic speaking, right?
>> Go get them. with it, man. Organically speaking, we give it to a pure man, straight from the earth.
So listen, I want to break that down for y'all because if you someone right now and you're paying credit cards right now, you're deep in credit card debt and you're paying a minimum balance and you're stuck. The reason why is because you have a maybe a 22 to a 30% APR card. So every single month it's compounding, right? Every single month, right? So here's what we do for those clients, right? What we do is we go for a personal loan. Here's some of the banks you can go to for that personal bridge loan. You can go to SoFi, you can go to Upstart, you can go to Upgrade, right? You can go to It's so many more, but here's the thing, right? As soon as you get that personal loan, the reason why we would go for a personal loan cuz the average person is saying, "Why would I add debt on debt, right?" But a personal loan is an installment account. It doesn't report as usage on the on your credit report.
That's true. So now, this is how we hide debt.
>> Yeah.
>> This is how we hide debt. So we go for a personal loan, use it as it's an installment, use it to pay off our credit cards.
>> Bam.
>> Here's the beautiful thing. With an installment loan, you have one interest. You know what it's going to be. Now you can beat the interest by paying the card a little early, but with credit cards, you can't do that. If you pay the bare minimum, you're stuck.
>> Yeah, you dead.
>> You stuck. You dead.
>> Yeah.
>> RIP.
>> Oh, for sure.
>> What I'm saying?
>> To tell you you pay this off in 20 years.
>> Yeah, 20 years. So here's the thing, with an installment with an installment loan, cover that card.
>> Yeah.
>> Yeah.
>> That's beautiful.
>> Oh my god.
>> Cuz it's not on your credit report, it's over there.
>> So Ali, I want to ask you something, right? So obviously cuz this guy is the king of credit, he has over 10,000 clients. He He's taught so many students. Obviously, we got a student in the building, right?
>> I see her in the back.
>> Right? Right?
>> She want to choke me and [ __ ] but we cool.
>> That's a fact. So look look look, I want to say this, right? For the average person, right? The do-it-yourself warriors, what would you do What would you tell them on how to fix their credit report?
>> Oh, so simple. I'll tell you how to So, listen, for the do-it-yourself warriors, right? We're going to give you an actionable play right now. What you can do, make sure you're taking notes and you make sure you're taking action cuz information without execution is useless, right? We can tell you everything, but if you're going to continue to just collect information, it'll be useless. So, basically, this is what you do, right? You go online, you get your you get your credit report, right? You can get one from you get one from Experian. Experian has a free one, but then you can also go to annualcreditreport.com and get your report. Once you get your credit report, guys, you can copy that full report and what you could do is you could copy it and you can put it in ChatGPT and say, "ChatGPT, I need you to create me a dispute letters based on the negative items that are on my credit. I need you to create me a dispute letter so I can tackle Experian, so I can tackle Equifax, and I can tackle TransUnion. Please make me some strong letters because I need to clean up my credit report so I can mail it out."
So, what their ChatGPT will do is ChatGPT will create you exact letter. And what you can do is you can make it sound personal, which you could tell ChatGPT, "Please make it sound just like me."
>> Most definitely.
>> Make it sound personable. Don't make it sound like a lawyer. I'm not a lawyer. I'm just a consumer trying to get my life together, right?
>> And then also, too, you could tell ChatGPT, "Hey, please put in the letter that I'm financially I'm going through it right now. I'm currently going for a mortgage and I got denied for a mortgage because of this inaccuracy that's on my report and there's a lot of errors on it. Make it sound extremely personable." And what happens is ChatGPT is going to create you three letters. They're going to create you for Experian, they're going to create it for Equifax, they're going to create it for TransUnion. And what you do is you can mail out those letters and you can send it out. If you don't want to mail out letters, guys, you can also upload it and then you can also send it to the CFPB. So, what the CFPB is is a Consumer Financial Bureau of Protection. So, they are the real bureaus. So, they are the ones that oversees everything and make sure that the credit agencies is doing what they're they're supposed to do, right? Cuz a lot of times they're not compliant. A lot of people don't know that the credit agencies they get sued every single year for not being compliant. Think about it. They get in a bag.
>> Big bag.
>> Just to just to report these items on your report.
>> Yeah.
>> They don't [clears throat] want you to clear up your items, right?
>> True.
>> So, what happens is you go to the big brothers, the CFPBs. You send it out there. You get on it. You send it out 15 days. You look at your report, and I'm telling you right now you'll see stuff come off your profile. And then what happens is after 30 days, after you fully refresh your report and you check your report and see what came off, you go back to ChatGPT and you send out another round of disputes. ChatGPT, these are the items that came off. These are items that are still there. I need you to send out a stronger dispute letter. Can you please send out a stronger dispute letter? ChatGPT is going to send out the stronger dispute letter. And if they're not complying, what you do is you can reach out to the Attorney General's office.
>> Yeah.
>> Everybody has Attorney General office for their state.
>> Definitely.
>> Attorney General, this is what's going on. They're not being compliant. They're still reporting inaccuracies on my report. And you can also contact the BBB too as well.
>> Damn right.
>> Because nobody wants to be beat. So, now you're going to attack them through the CFPB,
>> One,
>> the Attorney General,
>> Two,
>> the BBB,
>> Three,
>> and you also sent them a letter.
>> Four.
>> So, four different ways to skin the cat, right?
>> Damn right.
>> Now what? Now you're getting items off your credit report.
>> Instantly, too.
>> For the For the do-it-yourself warriors.
>> They need that.
>> Cuz people want [clears throat] to get
>> Their credit up, but they need some help.
>> We want to give them the game. Listen, man. And And I say this, too, right? If you're a business owner and you got bad credit, but you need funding today, right? Here's the thing, right? They have They have something called a merchant cash advance, right? And this is not for every single person. I'm here to tell you it's not for your average business owner.
>> Advance.
>> A merchant cash advance. And what this merchant cash advance consists of is basically, let's say for instance, you borrow $10,000.
>> Yep.
>> They'll probably charge you a 1.4. A 1.4 means for every $10,000 you're going to pay $14,000 back. But it pays to have good credit. See, the average person, if I'm running a restaurant and my oven break, guess what? I got to close the restaurant cuz I can't cook food.
>> It's over.
>> So, it's for that restaurant owner that don't have the capital to go and and reach out and basically get a merchant cash advance, right?
>> Yeah.
>> And obviously with merchant cash advances, you don't have to have a You don't have to have a good credit score. 560 or above. With a 560 or above, you're able to still get business funded.
>> That's crazy.
>> Right? So, that's for the average person who don't have the best credit score, who needs money right now.
>> Yeah. They need that.
>> Talk about that, man.
>> Yeah, yeah. They don't talk about merchant cash advance.
>> We're giving out a whole lot of game.
And here's the thing too with merchant cash advances. This is how you acquire This is how you um This is how you um basically, in order to get it, right? This is what you What it consist of. You just have to be making $10,000 or more, and it has to be deposited into your business bank account. What you would have to provide is three bank statements, right? Those three bank three consecutive bank statements will show basically that you're making the $10,000 a month, and then you would deposit You would basically send it in to the merchant cash advance company.
>> Okay.
>> They'll come back with an offer, and you're able to take that offer.
>> Mean.
>> What's the interest rate on that?
>> Most of the time, capital, huh?
>> And what's that like the interest rate on that again?
>> So, it it it it all varies based off your credit worthiness, but typically, what I see is a 1.4.
>> Okay.
>> So, it's every 10,000, you're paying back 14,000.
>> That ain't too bad.
>> Right?
>> That ain't too bad.
>> Bad for the average It's not bad for the average consumer who's basically about to lose their business.
>> Yeah, yeah. Grinding, yeah.
>> It's It's Yeah, yeah. So, I'd rather you go and get this before you lose your business.
>> Yeah, you got to You got to fuel You got to fuel for the car. You're trying to get somewhere. You know what I'm saying? [ __ ] it. You got to You know what I'm saying? Pay a little more to get there, but it's better than stopping and being broke down on the side of the road. Cuz one false move and a lot of businesses, they're over with because they use their own capital. And they don't use that credit, they they have their own you know, despair if that money go down. So, that's it. A pile of money goes down. But if you got different, you know, streams of income, that's how you can really stack it up.
>> Facts. Facts in the business form.
>> Yeah, yeah.
>> It's a lot of game. I know also you got like a challenge, right? You guys are doing things with the community, building people up. You got one of your mentees here. Says she made some good money already. So, how we going to get that to the people?
>> Oh, so one of our mentees, we actually flew her out.
>> That's hard.
>> Flew her out, paid for her hotel and everything. Cuz what happened is, you know, we ran You know, uh she's one of my mentees, but she took action.
>> Legend.
>> Action. We gave her the information. She took action. She executed it, and now she done made what, 17,000 in in within within uh What is it? The first 2 days of the month.
>> Crazy.
>> Two days of the month we gave her action and perception. She made 17,000 and she's actually here. You see, she's here on sitting back and she got the privilege to actually see us and go on tour with us as we run our podcast.
>> [snorts]
>> Yeah, so right now we have you know, let them know a little bit about the challenge that's coming.
>> Man, this challenge man is about us obsessing over other people's problems, right? So, at the end of the day it's going to be a five-day challenge where we're going to be teaching you how to build and scale a six-figure funding and credit repair business.
>> Tough.
>> From start to finish. So, day one we're pretty much going to go over let's the foundation. Day two we're pretty much we're going to be doing a little bit of live funding. We're going to be giving out some money. We're going to do live funding, right?
>> Wow.
>> Day three we're going to show them how to make four to five figures per client. Because here's the thing we didn't talk about. We didn't talk about shelf corps. Ali, I think you should break that down.
>> Break that down.
>> And I don't know how you you gatekeeping.
>> Yeah, yeah.
>> Know how you break that down.
>> Come on Ali, you didn't come all the way down here.
>> We got so much value and so much information that we can't put it all in one
>> Yeah, yeah, yeah. Don't skip none of the problem. We'll get back to the challenge. We need that right there, man.
>> We'll be here for five days and
>> Yeah, yeah, yeah, yeah.
>> You know I have to do the five-day challenge here.
>> Facts.
>> Exactly. So, basically right, we're going to talk about cuz we're not gatekeeping. We're all Mr. Organic. So, everything is going to be [snorts] organic. We'll be real, right?
>> Got to.
>> So, basically the age corp, y'all, we're showing people exactly how to leverage the age corp so they can maximize. Cuz what happens is, you know, banks don't want to deal with businesses that are brand new, right?
>> They don't like that.
>> Everybody's forming up new LLCs. Ever since COVID everybody's an entrepreneur now, right?
>> Most.
>> Of a age corp, a age LLC as a business that's been in good standing for quite some time. And instead of getting a brand new business you can use that business to leverage it so it can help you get access to just say if you want to be in a trucking business. You're like, "Hey, I'm trying to get these contracts, but I can't get these contracts cuz they're saying I got to be at least two years in business."
>> Yeah.
>> Just the banks is like, "I want to I need a business line of credit, but I can't get a business line of credit cuz the bank's like, 'Hey, I need to be at least in business for two years.'" But now what that does is that helps you cut the cut the line.
>> Yeah. It ex- helps [clears throat] you expedite the process because instead of waiting online to maximize on the on the income that you could be making, especially from these banks cuz we want to leverage them to get capital to go into business cuz a lot of people what they do is they go into business to then get money. No, we don't do that nowadays. We then we get money to go into business.
>> That's true.
>> We get money to go into business cuz most businesses fail due to lack of capital. 87% businesses. But
>> Hey.
>> Most businesses have been able to succeed if they already had capital going in because the why why your competitors is out there and your competitors is like, "You know what? Our business is established. We have everything we need."
>> Yeah.
>> You you waiting for your clients to come in to start bringing for you to start making income while you already struggling to pay your bills.
>> Mhm.
>> How can you fully have a full established business when you still struggling to pay your bills and you got a brand new LLC? Why not have an established business where you cut the line and you could take advantage of that opposed to having a brand new opposed to having a brand new business. So, that's what helps you. For us it's all about expediting the process. We want to put put put people in a position to win.
>> Mhm.
>> Instantly win without having a shortcut because right now if I was to give you, right?
>> [snorts]
>> Just say if I was to give you a map.
>> Okay.
>> Remember them old maps?
>> I remember that. I'm a old [ __ ] I remember that. Hell yeah.
>> Crumble paper, yeah. Look at it and say, "Okay."
>> Damn right.
>> Get off on the exit 13, get off on here, go down that. We don't want to read those no more. We in 2026. What do you What do you rather? We rather GPS, right? We rather know that we can get to our destination much faster.
>> Uh-huh.
>> So, that's what this does. That's what the aged LLC does. It helps you get to your destination much faster opposed to
>> Skip the line. Got to.
>> Waiting online and, you know, waiting for to to maximize. No, we trying to succeed.
>> That's beautiful.
>> What the aged LLC does.
>> Okay. I I heard of aged LLCs, but I didn't know you could leverage that, you know what I'm saying, for funding though.
>> Oh, yeah. Yeah. Yeah. Yeah. Definitely leverage it cuz again, right?
>> Coming into a bank, right?
>> Mhm.
>> When you go into a bank, you you with a new LLC, yeah, you approved for a credit card, but you have to be in business for 2 years to go for a line of credit or term loan.
>> Oh, okay.
>> So, that's when the age corp come in, right? And also, too, the banks want to know that you you true to this, you're not new to this.
>> Yeah.
>> Right? They want to know you've been around the block a little bit before they come in and give you some money.
>> That makes sense.
>> So, that's what the age corps do. So, we're showing people how to leverage four to five how to get four to five figures out of our clients by top-down selling.
Also, we'll be pretty much bringing in a lot of lot of heavy hitters that's in the space that educate, that teach, you know what I'm saying? So, these five days, man, we're going to be loving on the people, giving back to them, educating them, giving them actionable steps to change their life right then and there. Man, make sure y'all show up.
And the crazy thing is that it is free.
>> It's free.
>> A my favorite like free.
>> It's organic. Cuz every time when you know our people or whatever, they're like, "Oh, you know what? But how much is going to cost?" They're selling us something. We ain't selling you nothing.
>> No, no.
>> It is free. The only thing you need to do is get your butt over there, tune in, and it's completely free.
>> You know what I'm saying?
>> Actionable steps from the information that we have given you today, and even more information we're going to give you on those five days, man, there's no way you can't win. There's no way you can't win.
>> No way. Cuz listen, exposure equals expansion, right? You expose to something new, like our mentee, she was able to see us moving around,
>> Facts.
>> speaking to a lot of good people, right? Now, she's exposed to something new. Now, she's going to expand. She's going to expand on her horizon horizon. She's going to expand on her circles.
>> Yeah.
>> Now, she has new phone numbers, right? And that's what we want to do. We want to be in an environment that that inspires us, not tire us.
>> Damn right.
>> What I'm saying? Because here's the thing, if you continue to be in an inspire I mean, if you continue to be in an environment that tires you, it may expire you.
>> That's true.
>> Not only that.
>> That's true.
>> That. With this five days that we're teaching people,
>> Yeah.
>> and it's free, people are then able to create an established business for themselves.
>> Right away.
>> Information we're giving them, right?
>> Oh,
>> Yeah, yeah, yeah, sure.
>> So, it's like now, you're able to change your bloodline.
>> Yeah.
>> So, we don't teach you how to run a hustle. Cuz hustles don't last.
>> No, they don't last.
>> They're temporary, right?
>> Hell, yeah, man.
>> We teach you how to run a functional business.
>> That's different.
>> So, that functional business then help you change your your bloodline. It helps you take care of your family. It helps you take care of your kids. If you got a wife, it helps you take care of your wife. Cuz most of these men nowadays, as you know, right?
>> I know.
>> Of men's are not doing as well as these ladies are doing.
>> They they killing it.
>> You give ladies the information, they implement it, and they killing stuff.
>> That's it.
>> So, guys, if you're tired of not being respected, if you're tired of fake sleeping on the couch when your lady comes in the house, right?
>> Get up.
>> Acting like you sleep when you know you're not sleep, cuz you're not doing nothing about it.
>> Yeah, sitting in the sitting in the car when you come home from work.
>> Uh-huh.
>> Yeah.
>> You know that you ain't getting the respect that you deserve and that you need. This is the place that you need to be, y'all. It's time for you guys to change your lives, because listen,
>> We can't change it for you. We could bring you to the water, but we can't make you drink.
>> We can't do that.
>> All you got to do is show up to the free master class, cuz we going to give way more value, and you could take all the information we gave you and run with it, and I'm telling your life's going to be changed.
>> Change. That's what they need though. That's the time though, like
>> It's all about.
>> We spoke earlier about social media, having access to all this stuff, all these different websites, all chat GPT. We got all these allies in a fight of wealth right now that we could really use that people are not. So, they're not don't have the information, on top of that they're not, you know, um executing. They hear it, they listen, they watching, but they're not executing.
>> Mhm.
>> You know what I'm saying? So, they need people like you to help them execute. So, coming to this seminar, you know, coming to this challenge will push them in the [ __ ] driver's seat to go ahead and take that voyage.
>> Mhm.
>> Cuz most of them just need that little, you know what I'm saying, push in the back. So, this is going to do that, cuz y'all coming with the information. All they got to do is sit there, listen, and then execute. That's a beautiful thing.
>> Yeah.
>> So, how long you guys been doing this though, man? It seems like y'all been doing this for a while.
>> Ah, yo, literally, I've been in the game only a year and a half.
>> That's crazy.
>> So, it's crazy. I was working a 9-to-5. What I did was I took everything I knew in in my 9-to-5, and I pretty much implemented in my day-to-day now.
>> Right.
>> So, it the thing is a lot of people, what they're doing is they're trying to get through the day instead of get from the day.
>> Right.
>> I took everything from the day. So, I worked for I worked for a Fortune 17 company where I was doing B2B sales.
>> Mhm.
>> So, what I did was I had to prospect every single day, reach out to people, talk to people. So, I knew it was going to be easy if I became an entrepreneur to do it.
>> Right.
>> Talking to people, reaching out to people, and implementing things. So, that's what I implemented into my day-to-day, and I quickly beat a lot of people. That's why they call me the biggest.
>> Yeah.
>> You know what I'm saying?
>> That's that's legendary. You see that's what I'm saying. I said that to say this because you're only doing a year, but look where you're at already. You know what I'm saying? Look what you accomplished. Look what you built. So, the same stuff you implemented and you implemented you're giving it to the people. Cuz you guys are in this seat after 1 year. So, who's telling how far they're going to be in a year? You see what I'm saying? That's the beautiful thing of it.
>> I started from the bottom.
>> Right.
>> Like for me, it was believe it or not, man, I started doing something a lot of Americans won't do. I was doing door-to-door.
>> No [ __ ].
>> Door-to-door sales.
>> Knocking on that [ __ ].
>> In New York City.
>> Oh, man, you know New York City
>> Is super aggressive. So, when you knock on somebody's door, they're like, "Man, if you don't get out of my building, I'mma pack you up."
>> Right.
>> The type of things that people was telling me, right? Like, "Yo, I don't want to come back here and see you again."
>> Yeah.
>> Call the cops or what types of things. Get in the house, somebody put a gun down, but I'm still staying there cuz I'm like, "Damn, I got to get this sign up." You know what I'm saying?
Those are the things I was going through. So, when COVID hit, it changed the game for me. I sat down, I said, "Damn, what am I going to do to change my life, right? I got a wife, I got a daughter coming up."
>> For sure.
>> I can't make excuses. I got to be able to provide and take care of them. So, I eventually got into mentorship and I invested into myself, right? And I paid The information right now we giving you guys, are we giving to people here?
>> Mhm.
>> We paid thousands of dollars, man.
>> Oh, yeah, no question.
>> I paid $100,000 in on mentorship and stuff.
>> 100 Yeah, 125 for me.
>> Yeah, easy.
>> Yeah, cuz Grace, cuz I even I even go around and volunteer in school and teach people how to how to learn about financial literacy, kids and everything. Yeah, teaching them so they don't make the mistakes we made.
>> Yeah.
>> And then also with the door-to-door is I always had the I was always taking care of people cuz even when I was doing door-to-door and I moved up in the ranks, I had I was a leader, so I had people behind me. I had to show them how to eat.
>> Right.
>> So, that that transitioned into me doing what I'm doing now, and it made it easier for me to help out my my students and my mentees so they can learn how to eat for themselves cuz I was already teaching my people how to eat door to door.
And without no salary. I had to teach them how to make a living to take care of the family just from door to door. So, that's the same thing that me and my mentee my mentor is actually teaching people how to do is to teach them how to make a living for themselves, and um, you know, help others to to feed themselves and their own family. You know what I'm saying? Without even without even and it's completely free information it was free that we doing it though.
>> Right.
>> Something we always been doing it, but now we just doing it on a different level.
>> Yeah.
>> And it's a impactful level because we're doing it and it's like our people was always left with the short end of the stick.
>> Yeah, the shortest.
>> You know, we left with the short end of the stick. We're still recovering. We were never given this type of information.
>> Most definitely.
>> So, for us to be giving out this information is something that we truly passionate about. That's why I volunteer and I even go to um, you know, even if like I say, my favorite clients are actually people that's felons.
>> Yeah, of course.
>> Because most of the time people that's felons they feel like it's no way out cuz now when they come out, they want to go back to doing what they had did before because they like, "Damn, what else do I do?" But, now we teach them how to turn that F that felony to E, which is entrepreneurship.
>> Legend.
>> And create a a way for yourself now. So, instead of you relying on somebody being able to fire you or not hire you, now you create a way for yourself because credit doesn't judge. You can have a felony, you can go to the banks, you can get access to capital so you can fund the business you want to do.
>> Most definitely.
>> Cuz a lot of times people that had a felony, they weren't making certain type of money that now they can't come out to society and be used to with a regular 9-5. So, how how do I make the same type of income on a high level and not have to look over my back and have not have to worry about taking care of my family.
>> Mhm.
>> You can do it through entrepreneurship and you can do it through leveraging access leveraging the banks, getting access to capital so you can fund your your way to freedom.
>> Mhm. That's a beautiful thing because also a lot of people in in these spaces um help a lot of people that are like in the underworld, I would say, right? So, say if you're in the streets or whatever, you got some money, but you know your time is ticking. You can make a transition to this service and change your life, especially you got already got the capital to work with. So, having mentors like you and you in the streets, you want to make that transition, it's a beautiful way to go to really turn that bad money into good money. I had a lot of people even work with me like do podcasts stuff like that that I come from that background and I show them how to do it and they change their life. They monetize their lifestyle. So, this is similar, too.
>> Legally.
>> Yeah, yeah, cuz we got it cuz sometimes we we start off the wrong way and we didn't know no better. They wisening up like, "Hey, this [ __ ] clock is ticking. Only so long for this motherfucker." If you can come over here, goddamn, learn how to credit fund and change other lives while you changing your own. It's a beautiful thing, man. So, I know my people going to take here take heed to this, man. Trust me.
>> For sure. Cuz here's the thing, too, right? A lot of people are broke, right?
>> Yep.
>> And what happens is the reason why they broke is cuz they obsessing over their problems. Yeah. You have to obsess over other people's problems. You have to obsess over their problems so much that they willing to pick digging in their pockets to pay you to solve it for them.
>> That's crazy. So, how they going to get in contact with you guys, man? We want to get them on this challenge. I want them to hit you up on the follow you guys and get this money.
>> Yes, sir. Yes, sir. So, we going to drop it. Basically, you can go to credtocapital.com. So, c r e d the number two capital.com. And what you can do is opt in for the 5-day challenge.
>> Nice. What you got for them, Ali? Give them some last words.
>> The last words I'm going to give you guys is success love speed.
>> Yep.
>> Right? Opportunities those don't always come around, especially opportunities like this that we giving you guys, right? So, two [snorts] two brothers from the inner city.
>> Yep.
>> You know what I'm saying? We know how it is to struggle. You know, my my mom came from you know, we went from shelter to shelter, right? Came from a third world country. You know, he's been times he was in the shelter, too. So, we know how the struggle feels. We know how it is. We know how our people get the short end of the stick. So, that's that's the reason why we doing what we doing, man. So, the link is definitely going to be above. It's going to be below, you know, credit capital.com. You guys just make sure you show up. Make sure you bring Send it to Send us Send us a loved one. Make sure they get on board, too. You know, if you really love somebody, you show you You show somebody that you You say you love somebody, right? Why not give them an opportunity to change their life as well? So, even though you're going to be blessing yourself by getting in on the five days that we're going to be giving you guys cuz we're going to give you guys much more game than this, right? Send this to somebody that you actually love, right? That you care about. That you want to see win. I'm telling you, man, because what What it is is that we all we we we we're better together than than apart.
>> Yeah, no question.
>> Send this to somebody that you love, man. Tell them to get on board, man. Tell them, "Yo, it's time for us to level up."
>> Damn right.
>> I'm saying let's level up this year, man. We tired of We're tired of being stuck behind.
>> Yeah, no handouts, man.
>> No handouts. If a handout's going to get it, man.
>> We're going to pull [clears throat] you up. That's what it's all about, man. Get your stress And I want to say one more thing, too.
>> Yeah, break it down.
>> Here's the thing for everybody that's struggling right now. What I don't want you to do is go ask your friend, your family members, your uncles, your aunts, "Should I come to this five-day challenge?" Cuz here's the thing, would I ask somebody with a 500 credit score, "How do I get to 800?"
>> Never.
>> You can't do that. So, here's the thing, man. Trust the process, come in, commit, and show up the whole week because here's the thing, when you commit, you're not committing to us, you're committing to yourself.
>> That's hard.
>> Let's get it.
And I want my people to hear hear to that, man. You know, plant that seed today. You know, wealth is grown over time. You know, the the little thing turn to a big thing. That's compound interest. So, why not compound interest on your grind and take those leaps of faith. Don't be scared to get rejected. Don't be scared to get those inquiries because one time it's going to be approved. Next time it's going to be approved, and you're going to go up and up. See, a lot of people are scared, you know what I'm saying, of rejection or scared to worry about messing up their credit. Like, no, don't be worried Be optimistic that it's going to work. Don't be pessimistic [clears throat] that it's not going to work.
>> Mhm.
>> And that's what we need more. We got to fight for, you know what I'm saying? Prosperity right now. So, hey, I want you guys to hit my guys up. Get this wealth understanding ASAP. It's out there for you. This is organically speaking. We do not play around here. We give you nothing but the organic seeds of wealth. You hear me? Plant that seed today. Link below in the description. Let's get this money. Bam!
>> Let's get it, man.