How to Build a Funding-Ready Credit Profile in 2026

What we do is we give you the flash pass. We help you skip the line so you can get on that ride and walk past everybody because you know it, you understand it.

And the gurus, what they tell you online is if you have a 700 credit score, we can get you funded. No, it's so many other factors, comparable credit, how your business is properly structured.

Listen, the first place you can go right now is nobody talks about this, First Tech Credit Union. So you go to First Tech Credit Union, why? Because they're going to give you the bag. Make sure you add the bank account that has the most transactions because once you do that, they're going to give you a limit based on that. Most credit card companies are just going to give you a limit based on your score, but they're going to give you a limit based on your cash transactions.

What we want to do is we want to break down what we will put in there. So if it's $2,000, we want to break it down 500, 500, 500 because it shows consistency and it what happens is you're tricking the algorithm. You can request a DocuSign and request the amount of money you want.

"Whoa, never knew that."

You know what I'm saying? Information's on us, execution's on you guys, right? We can give you all the information in the world, but if you're not doing nothing about it, you're going to still be in the same position, right? Might have to take notes on this [ __ ] Famous and wealthy podcast, man. Today we got my boy Jamar Epp's. They say the biggest. And we got my boy Prince Ali, man. But Jamar Epp's, why they call you the biggest?

"I'm the biggest funder. When you come around me, you think bigger. Okay. People around me become bigger. You know, this life is big. Okay."

And what about you, my boy? I mean, I'm Prince Ali, man. I'm originally from New York, you know what I'm saying? I've been in this industry for about 5 years. Been changing hundreds of lives, you know what I'm saying? So for me, it's all about impacting as many people as possible and giving our people the information that they need because they left us out, man. They didn't teach us all this stuff in school, man. So you know what I'm saying? Now we're here. Yeah. We got to give it to our people, man. Yeah, so.

"To level up. Break down a little bit about what do both of y'all do for the people who watching."

Mhm. So what I do is a fun I run a funding company, right? So I have a team of 14 and what we do is we assist people in pretty much building out there a business profile and helping them get funded. But before we go over to the funding company, we pretty much have to make sure the foundation is right, right? And which is your credit report.

"Exactly. Of people don't understand, they're walking around with a 700 credit score, but what you're walking around with is let's just say $250,000 that you're not even accounted for, you're not grabbing. Right."

See, here's the thing, right? I what what I've seen is like Elon Musk, he leveraged credit, you know, uh Daymond John, he leveraged credit, right? All of these guys, even the CEO from uh Jersey Mike's, he leveraged credit. Why are we not leveraging credit as a people? We coming from behind. Right.

"So what we want to do is get to the front of the line. We want to skip the line. So you ever been to like you ever been to uh um Six Flags? Yeah, I've been there. So you know in the summertime, it's hot. Right. What I'm saying? You get the free refill drink, but you're online. If you get off that line to go and get that free refill drink, guess what? You got to get back to the back of the line. What we do is we teach you, we give you the flash pass. We help you skip the line. Mhm. We help you skip the line so you can get on that ride and walk past everybody because you know it, you understand it. You know what I'm saying?"

Right, right, right. Oh yeah, so what we're doing is, man, um I'm over here in the credit industry. I'm teaching people how to clean up their credit, how to build their credit the right way because what happens is like I said, it's not something they teach us teaches in school, right? So a lot of people don't know that they're able to leverage their personal credit to then maximize on the business side, right? Everybody talks about business funding, but nobody talks about the personal side, right?

"Yeah. They don't tell you the type of accounts that you need on your credit profile, right? They don't tell you that you need at least five pro five accounts on your profile. They don't tell you that you and then and then they don't they don't tell you where where you can go get them at, right? So since I'm on a bun we're in a Ban Man um podcast, we're going to go crazy. We got to drop the sauce, right? So the first thing you guys can do, right? If you need a credit card and you're like, "Damn, I need a high limit credit card. What where can I go?" Listen, the first place you can go right now is nobody talks about this, First Tech Credit Union. Mhm. So you go to First Tech Credit Union, why? Because they're going to give you the bag. First Tech Credit Union is a credit union and also credit unions are not like the regional banks. So the regional banks, the thing about them is they can be stingy, right? Credit unions are going to give you the bag. So you go to First Tech, you log into the website. Once you get into the website, there's a card called a Choice Rewards credit card. You you sign up for the Choice Rewards, what's going to happen is they're going to tell you to add your bank account on there."

"Wow. They're going to tell you to add add your bank account. Make sure you add the bank account that has the most transactions because once you do that, they're going to give you a limit based on that. Most credit card companies are just going to give you a limit based on your score, but they're going to give you a limit based on your cash transactions. So what happens is like he said, the flash pass, it helps you skip the line. So now when it's time for you to go get some funding and things like that or apply for another credit card, First Tech Credit gave you a credit card with $20,000 limit. Now you can go apply for another credit union which is Four Leaf. So if Four Leaf, Ban Man, if if if somebody already has a $20,000 credit card, right? Mhm. What do you think the next company is going to give you if you already got a $20,000 credit card?"

"$20,000. Exactly, right? They're going to give you that comparable credit. So now you already got two accounts now. So now you say you say you need five accounts, right? You can go you can go apply for let's say a Credit Strong. You get Credit Strong on your profile, you can do a 20-month $20 a month payment plan for 6 to 12 months. Don't rush to pay that off because credit is all about showing lenders that you can pay things over time. So now you get that account in your profile, you got three now. Remember I said you need five, right? Now you can say, "You know what? I'm paying my rent every single month. How about I get my rent reported on my credit, right?"

"Yeah. You can go to you can go now they got a credit card that just came out last month. So nobody's talking about this. Last month they came out with they came out with a Bilt credit card. So the Bilt credit card, you can now use that to pay off your rent. Oh, wow. What I said, right? To pay off your rent because most of the time when you're trying to pay your rent now, they'll tell you that you need to have it it charge like 3%. So if your rent is 3K, they'll charge you $300 to pay your rent. So now the Bilt credit card allows you to pay your rent without getting those charges and also allows you to build points. So that's the Bilt credit card. I gave you four accounts. I'm going to give you one more, right?"

"Right. So now you can I mean,"

"[clears throat] Come on, man. Look where we at, man. We're on the Ban Man podcast. We got to drop the game, right? So now [snorts] you can go and for the fifth credit card because remember I already gave you all these other credit cards. You can go and you can apply for a pre-approval with Chase or even Capital One. The pre-approval is not going to hurt your score. So now because you got two 20K credit cards now, you go apply for that. Now they're going to give you a comparable limit. They give you a high limit on that. Now you're set up and you're ready for funding. Your profile's where it need where it needs to be. All you got to do is make sure you're paying these things on time, man, and you're off to the races."

"Mhm. And then here's the thing, right, Kevo? So now we got the foundation right. Credit is right, we got comparable credit. Because here's the thing, the gurus, what they tell you online is if you have a 700 credit score, we can get you funded. No, it's so many other factors, comparable credit, how your business is properly structured. So now once we have everything set up, next thing we're going to do is we're going back to the banks, right? This time we're going to establish a relationship with them. What's the best way to establish a relationship with a bank? By making deposits, open up an account, deposit account. See, the average person, what they're going to do is when they want a credit card, they're going to drop 2,000, 3,000 in the account. No, we want to show the banks that we're here to stay and not here to play. What we want to do is we want to break down we want to break down what we will put in there. So if it's $2,000, we want to break it down 500, 500, 500 because it shows it shows consistency and it what happens is you're tricking the algorithm algorithm, right? So once we have that, let's just say for instance we go to Chase. We go for the Chase Ink cash card, right? We get $50,000 from Chase Ink. Now what happens is the average person tell you, "Yeah, it's 12 months 0% interest." But here's the thing, we can go to 24 months, Kevo. Let me break it down. So let's just say when we get that Chase Ink cash, right? Right. We're spending it, we're running the plays, right? Because obviously when we get this funding, we want to make sure we're running the plays. After we get the the 50,000, what we can do is after the year's up, when we're at the end of our introductory period, we can go for the Chase Ink unlimited card. But now we can combine those cards and make them one and your interest your 0% interest period starts over."

"Oh my god. So now you got 24 months, but we're not done yet. So what we'll do after that is we want to go to Elon Financial banks. Why? Because Elon Financial banks, you don't necessarily need a relationship to us to get funded by them, right? Right. So let's just say and I'm going to give you some Elon Financial banks. US Bank, Ameris Bank. Here's the beautiful thing. If your foundation is not right, you can go to a Elon Financial bank, right? You can go to a Elon Financial bank and get a credit card 21 months on the personal side 0% interest, almost 2 years. What would you do if you had 21 months to run a play? Damn. You know what I'm saying?"

"Yeah. That's nuts. That's nuts, right? So look, let me let me break that down. So 21 months on the personal side. So that's how we build up our foundation. Now when we go to the business, we got 18 months. But here's the thing, when the 18 months run up, there's other products we can go for. And then also too, a a bank US Bank is the best with balance transfers. So now we can transfer that money over to pay off any card if we're coming up at the end of a 0% interest period. So people always tell you for 12 to 18 months, no. It can be for a lifetime if you know how to work it. There's over 400 banks with 0% interest funding. But what happens is we don't know that because we're not educating ourselves, right? And these are the things that we're going to be teaching in the five day. But to get back to that, that was a side note."

"You don't get caught holding the bag, right? You don't get caught holding the bag. So y'all got to Y'all got to five day coming up that y'all going to be breaking down way more sauce."

"Way more sauce. So listen, listen, but before we do that, we're going to sauce them up here. Okay. Okay. What they're going to say is, "Damn, they gave us all of this. Imagine what they're going to give us on the five day." Oh my god. We can't put everything on here. Exactly. I get it. Okay. So here's the thing too I see, Kevo, is a lot of people, what they do is they're looking for funding, right? I'm in Minnesota, but I'm looking for funding in New York, New Jersey, right? I'm looking down in Florida. Why aren't we not looking in our backyards?"

"Mhm. Right? So here's the thing, I want you I want you guys to take notes. You can go to bankbranchlocator.com. At the top right hand corner, you can put your zip code in, it will show you every single bank in your backyard. Some of the banks that we're walking by with our kids, picking our kids up from school, is giving out the bag and we don't know it, it's in our backyard. We're walking right by it. Right. So now you go to bankbranchlocator. Now you have a long list of of banks in the backyard. What you want to do is get up and just go to the bank. Go meet somebody. Go meet a relationship manager. Why do we want relationship managers? We want relationship managers because if you apply online like the masses, guess what happens? You're going to get a masses approval. You're going to get a generic approval, 5 to 15k. But if you go and meet a relationship manager, you can request a DocuSign and request the amount of money you want."

"Woah, never knew that. You know what I'm saying? You can request the amount of money you want. So you want to go in the You want to go in your backyard and run the plays. And what happens is we're looking in New York, Florida, Alabama. Nah, go to your backyard. Go to those local banks. Get to know them. Sit down. See, the average thing what happens is, Kevo, what happens is our clients a lot of people, right? They walk into the banks and they like, "Yo, what do I qualify for?" Nah, our clients, our students, they're walking in the banks like, "Yo, um what promotions do you have? I got 400,000 right now in American Express. If I bring that money over to you right now, what promotions can you give me?" Because what happens is we're all being used here. We're using the banks, the banks are using us. Because when we make that deposit into the account, guess what happens, Kevo? They're going to leverage that money towards mortgages, auto loans, let's just say um so many other things, right? They're going to leverage our money. Even though our money's physically there, we don't see it cuz they're leveraging it. And the banks are going to launder the money and move it around, right? So we want to make sure we're running the plays as well. So it's establishing those relationships with those banks. And that was just two banks, right? Cuz you got Truist, those are regional banks. 0% interest, 12 months. Bank of America, 0% interest, 6 months. But again, the period never ends because we can constantly run the plays over and over. Mhm."

"Yo, can I talk to them about Can I talk Hold on, let me Can I talk to them about cuz the people sometimes you got people that say, "You know what? But I don't have a lot of credit age though. My credit has hasn't been established for way too long."

"That, Ali? What you got for that, Ali?"

"For those For those of you that say, "Listen, my credit hasn't been established for way too long." This is what you do. There's a thing called First off, everybody goes online, they tell you, "Oh, you know, you just get an authorized user and pay this and pay that, right?" But authorized user is basically not your credit, right? It is cool, it's cute, right? It's cute, but what if I told you that you can use your rent and backdate it and start getting that age now? So first one First one, you can go to BoomPay. BoomPay. You sign up for BoomPay, you can self self um you can let let them know exactly what your rent is. They'll look at your account, you add your bank account in there. You can backdate it 5 years now. So now you got 5 years of age. What happens is age makes up 15% of your credit score. Hold on, hold on, Ali, Ali. Because what happened is the gurus online, what they're saying is Rent Reporters and Rent to Comma. Uh-huh. So you're saying you could go to BoomPay? Yeah, you can go to BoomPay. 5 years you back that up and you can get that on your report. So now you got 15% of that credit score, which is makes up 82 points. Now you got that age now, right? And then what happens is you can go to also you can go to Rent Reporters too as well. You can get Rent Reporters too as well. So you get Rent Reporters, you can backdate that 2 years, right? Why not? So now you got two other trade lines, which is not authorized trade lines, those are primary trade lines. And for those Yeah, primary, so that means those are your accounts. Cuz what happens is we When people trying to go get for go for lending, they go and they sign up for so many authorized user accounts, they get their mom, they get their brother, they get their sister, but the banks are lending to you. They're not lending They want to know what you can do. They don't want to know what mom's can do cuz her credit is good. They don't want to know what your cousin could do with get cuz their credit is good. They want you to do your thing. But now if you got those accounts, you say, "You know what? Can I You can add an authorized user." I'm not I'm not I'm not against it, but I'mma say that build your own profile up and backdate your own accounts. But then if you want an authorized user, you can do that, right? You can call your mom, you can call your cousin, you can get that on your profile. But you do want to make sure cuz a lot of people are adding authorized users on their profile, but they do not know what kind of accounts that they need. So if you want somebody to add you as an authorized user, make sure that the credit card has a high limit. That's the first thing. Make sure that the credit cards are not maxed out. That's another thing, right? [clears throat] Cuz if it's maxed out, 30% of your credit score is made up of usage. So if they're maxing out your credit card, guess what? You share that account with them. It's on your profile, right? Then you got to make sure whatever card they add you on doesn't have any late payments. You got to make sure they're not struggling financially. It doesn't have any late payments. Cuz if they have a late payment, who got a late payment now? You. Exactly, right? So those are the things you guys want to lay look out for and make sure that that card has a lot of age. Age is the most important thing. So now you got those accounts on your profile and you put that on your report. So now when you start to apply for other accounts, they start to help you out and they start to Your credit is is boosted now because of those accounts. And then also now it makes your chance of succeeding into get higher limits much higher now cuz banks don't want to deal with profiles that's that's that just started out. They don't like to deal with They want to know that you're true to the true to this and you've been doing it for quite some time. So that's the way that you can speed up your age and that's the way that you can maximize on your age for those of you that don't have enough age on your credit profile. I just gave you all the sources they didn't teach you on the internet at all. And I want to say this too, Kevo. You know what I'm saying? I want to say this, right? One thing he said was obviously how to add age. Cuz here's the thing, when we start to apply for cards, your credit age decreases. So that's why you want to go get BoomPay. You want to go and get Rent to Comma because it gives you 5 years, 2 years to keep your credit age at a respectable place. See, when you walk into the banks, they want to know again that you're true to this, you're not new to this, right? So they want to know, do you have 2 years or more of credit history? Have you been leveraging it for that amount of time? But here's the thing, we're scaring a lot of people, Ali, cuz what happened is we're saying apply, apply, apply. Some people are inquiry sensitive, right? So we want to break down ways that they can go about not having to just get an inquiry, right? So here's the thing, what you can do is you can go to google.com and you can type in credit card pre-approval. Chase has a credit card pre-approval. Capital One has a credit card pre-approval. Discover has a credit card pre-approval. So many other banks, but what we like to go is to credit unions again because those are nonprofit, right? So they want to build a relationship with you. If you're a part of organizations, they want to build a relationship with you, right? So now what we can do is we can go over to a Christian Community Credit Union. We can go over to a Wings Federal Credit Union and we can go and pre-approve. But here's the beautiful thing, Kevo, we could double dip. And let me break down double dip, right? So what we can do is when we go and pre when we go and pre-qualify, they'll approve you for not one product but three. So now you get you'll get pre-approved for a credit card, a auto loan, and you'll get pre-approved for an installment loan. See what I'm saying? So now the Now you're getting three products for the price of one. Wow. So now we're not sitting here running everywhere just getting inquiries. So we want to pretty much break it down that way where we're strategic. We're not shooting darts in the dark. We want to know exactly where we're going, what's our goal, how to get to it as soon as possible. Cuz again, right? If you look at it, right? If you if if you if you never been there before, you can't go there. You know what I'm saying? Like when I think about it, if I'm driving on the highway, right? I'm driving on the highway and I don't have GPS on and I don't know where my destination is, I'mma pull over a few times. What happens is I'mma miss a few turns, I'mma pull over and kick the wheel and be frustrated. But this is why you need a GPS. This is when we come in and we're the strategists and we help you get to your goals quicker. Because the problem is a lot of people they say they say in order to go far, you got to run with someone. You know, in order to go fast, you run by yourself. But here's the thing, it's This is a marathon, this [ __ ] ain't a race. Right. You know what I'm saying? So I want to pretty much break down obviously the foundation. Like if you could go a little bit elaborate like how people Because we're talking too much about credit cards and everything. How can people, right? How can people pretty much fix their credit credit report?"

"All right, so I'mma give I'mma For those of the do-it-yourself warriors, right? I'mma give y'all something super crazy right now, right? Nowadays, you got to understand, right? We in a We in a era We in a technology era. AI is taking over, right? AI is completely taking over. What if I told you that to fix your own credit report, you can put your credit report through AI um ChatGPT and get your get your get your get your full credit report from there, right? So this is what you guys do. I'mma give you guys actionable steps. Make sure y'all taking notes and make sure y'all taking action because information is on us, execution is on you guys, right? We can give you all the information in the world, but if you're not doing nothing about it, you're going to still be in the same position, right? So listen, right? Within 48 hours, exactly. So listen listen This is what you do. You can go get your credit report, right? You can go to SmartCredit. You can go to Experian. You can go to annualcreditreport.com. They'll give you a free credit report, so there's no no excuse. "Oh, but I got to pay for this." And it's not going to give you a hard inquiry. Let me tell you that right now. Cuz what people get scared of is checking their credit. Cuz they say, "You know what? They're going to give me an inquiry." Or they might think that, "You know what? I don't want to see what the hell is on my report." But guess what? If you're scared of it, you're never going to going to be able to do anything about it. So you get your report because now we got ChatGPT. You copy and paste the whole report, y'all. And what you do is you copy it and put it in ChatGPT. You tell ChatGPT, "Can you please create me some dispute letters so I can send to Experian, so I can send to Equifax, and I can send to TransUnion?" So what happens is ChatGPT is going to cook up them dispute letters. You're going to say, "Listen, I need to get these items off my report. They're affecting my credit. Please make me three strong letters, right? This is my first round of disputes." ChatGPT is going to make that send out that letter. So once they send out that letter, what's going to happen is you're going to copy that, you're going to use that, you're going to put it in the letter, and you can send it out. So now ChatGPT is creating dispute letters for you, right? Then what you can do is you can also Now just say that you sent a dispute letter, still stuff on there. I'mma show you how to attack it many ways so you can get the most effective results, right? You can also go to the cfpb.com. The CFPB is a Consumer Financial Bureau Protection. Their job is to make sure that credit agencies is doing their job and they're being compliant. So now you can send out your disputes to the consumer agency and you can say, "Yo, listen, I'm sending out my disputes and I'm trying to get these items on my credit report and these items are affecting my report. I've sent out a dispute last month and it's still on there." And also what you can do when you send out the letters, you can backdate it. A lot of people don't know that, right? Because they got 30 days to respond, so instead of you putting today's date, you can backdate that letter 30 days, right? Or even 15 days. So what happens it puts them in a position where it shows them that they got to do what they got to do, if not, they're out of compliance. So for them to start giving you results is much is much much more effective because they're out of compliance now, right? So then also I just showed you two ways. You send it to the CFPB, it's completely free to sign up. You can also leverage the attorney general office. Every one state has an Attorney General, y'all. The Attorney General job is to make sure that companies are not taking advantage of the consumers and the people that live in that state. So, when you send a letter through the Attorney General's office, you say, "Hey, I'm in I'm in California and this company here is taking advantage of me." That happened to me. It's crazy, right? Cuz they they help you so much that that even happened to me. I lost my Facebook, right? I sent the letter through the consumer agency to Facebook. Facebook is a big company, but nobody's above the law. The consumer agency got at Facebook and got me my account back, right? That's what I'm saying. They there to protect us as consumers. So, now listen, Bearman, I'm going to give you the fourth one, right? Cuz we on your show. There's no gatekeeping. The fourth one, y'all, is the BBB. You can go to the Better Business Bureau, y'all, and send out the your same dispute that you sent through from Chad GPT and you sent to CFPB, you can send it through the BBB and you can send it directly to the to the BBB and you can put all of the bureau's name and everything and you can have it sent out today. So, you know, you sent your dispute four different ways, y'all. So, things are definitely going to land. They're going to fall off and your results are going to be crazy. So, guys, that's something that you guys can all do. I just gave y'all four different ways and y'all learn from somebody that's been doing it for over 5 years. I don't helped over I don't helped a thousand of people clean up their credit report. I don't helped people get into homes. We don't helped people get into cars. We don't helped people get hundreds of thousands of funding. So, you learning from somebody that does this in a real time. I actually do this as a business and not a hustle. So, if y'all get this information from me, y'all just got to make sure that y'all execute and I'll show you that these things will come off your profile and now you'll be able to level up because how can you level up if your credit is not where it needs to be, right? You need your to to even even to get your lady of your dreams and the lady that you want, you got to have good credit nowadays, right? Even to get into a home that you want, you got to have good credit, right? Anything. So, here's the thing, too, right? Because what happened is we're leaving out people who don't have anything negative on their report. But, what happened is they have high usage and that's why they have bad credit."

"Do you do with them, Jay? Those Those guys that's maxed out. Like they struggling and their credit [clears throat] cards is is so high and then now now they 30% of their credit score is usage. So, they paying every single month monthly payments, but most of that money is going towards the interest and not even the balance. SO, THEY LIKE, "DAMN, WHY THE HELL MY BALANCE NOT GOING DOWN?" WHAT DO THEY DO?"

"So, listen, I want to break something down for you guys, right? So, obviously again, what he said is 30% of your credit score consist of credit card usage. Credit card usage, revolving accounts, right? What we can do is we can go and get an installment account. So, we can go and get a personal loan. We can go to banks like SoFi, Upstart, Upgrade, right? We can go over to LightStream. And what we can do is get a a loan. Once we get that loan, here's the thing. If you're not in a 0% interest period, you're 22 to 30% in credit cards. So, when you're paying when you pay the minimum balance, you're just paying interest. So, it's like you're a hamster on a wheel. You stuck. If you ever go on an app and you look, right? And when you're how long is going to take me to pay off this card if I put this amount, it's going to be 20 years. 20 years. So, what if we go and go get an installment loan, right? To pay off that credit card, guess what? Our credit score is going to go up. Why? Because installment loans don't reflect as credit card usage. So, here, I want to give you a play cuz we on the Bearman Kevin podcast. We ain't getting anything. Yeah, right? We here. I want to bust it down for you. So, here's the thing. You guys can go a simple place and we all got it. We can go to Credit Karma. We can go to Credit Karma and what we're going to do is we can hover over the loans tab. Now, keep in mind, they're going to ask for two things. Your yearly income and then your rent. Keep in mind, if your rent is 30% of your yearly income, you're not going to be approved for a loan. Think like the banks. They know you all you have other life expenses, right? So, what we do is it's going to be a tab and it's going to say from 0 to 50,000. You can hover that tab up and down up and down. Now, if you get outstanding approvals, guess what? These are all pre-qualifications. If you get outstanding approvals, that's cool. You may be approved. But, if you get Credit Karma guaranteed, do the money dance. Why? Because it's going to be purple, too. Do the money dance. And why, right? And I'm going to break it down. Because Credit Karma was sued. They was sued for giving false free approvals. So, if you get the Credit Karma guaranteed and you're not approved, they have to pay you. Now, what billion-dollar company you know want to pay you? Right. See what I'm saying? What billion-dollar company you know want to pay you? They don't want to pay nobody. So, here's the thing. Soon as you have that Credit Karma guaranteed, you want to be able to you want to hover over that and go apply for that loan. Now, if you're not approved, you can go back to Credit Karma and they have to pay you directly. You know what I'm saying? So, this is the things that they don't they don't teach us in school. Right. See, like my man Ali always say, when we go to school, they teaching us Pythagorean theorem, A squared, B squared, you know what I'm saying? Pi. These are the things we don't use in life. One thing we do use is credit, right? Credit give you leverage. It gives you freedom. This is how you take your life to the next level. No cap."

"Right? So, it's here's the thing. Seven out of 10 people in America have bad credit. And we need credit. Like he said, you can't even have the woman of your dreams without good credit. You know what I'm saying? Because here's the thing. When she want that dream when she want that dream house, when she want that dream wedding, guess what? It requires credit. Uh So, we want to build up that foundation, but I want to kind of love on some I want to love on other people, right? Because we got service workers, right? And I want I want Ali to break this down cuz he got some sauce on this. You know what I'm saying? If you could bust that down if you can. That's crazy."

"So, listen, right? It's crazy that um you know, we got our public service workers, right? But, our public service workers are drowning, man. A lot of them are drowning, man, cuz they got student loan debts. Mhm. And their student loan debts, especially at the time right now, a lot of people's student loan debts are late. So, look. For people that don't know what a public service worker is, break that down."

"So, a public service worker is just say if you were a cop, you were military, or you know, you were you were doc you were fighter fighter, right? And you working for the public. Just during COVID, these are the people that had to be out there and servicing. While we was indoors, they had to work cuz if they stop working, everything stops, right? People start dying. You can't do nothing, right? So, why are these people suffering from their student loan debts, right? So, a lot of these people went to college so they can they can help out the world. They can change lives. But, a lot of these people cannot do what they got to do because they're struggling. Late payments and dropped their school school loans from from from they dropped from 800 to a 500 credit score. Because Imagine a firefighter going into a house that's on fire, right? But, your back end everything your life is not right. It's like you can't perform your best to go and save that person's life. Because Yeah. your back end not right. Your credit not right. You're not living in the house you want. You're not stressed. You don't have money. But, you got to go in and save that person's life. You got to climb into a building that's full of lot of fire. See, what he do is he save people's lives and he going to break it down because here's the thing. If the back end is right, you can run into that building knowing you good. Your family straight for the rest of your life. You know what I'm saying? So, So, let me tell let me tell you what exactly what they can do, right? So, for those of you that's public service workers or even just just have student loans in general, right? This works for everyone, right? What you can do is cuz student loans are federal. You can't run away from it. If you trying to get a mortgage, most of the time they're going to use a FHA loan. They're going to check your profile. That's all federal. They all tied together. And then also, if you don't pay your student loan, they can even take your money from your taxes. Ain't that crazy? Imagine you don't work the whole your whole year. Now it's time for you to get taxes. You don't have a big plan. You say, "You know what? When I get my tax refund, I'm going to go do this." And then the federal student the federal the feds just took your took your money, right? To pay off your student loans. Now you sick, right? So, this is how you avoid that, right? So, you can go to the federal student loan website.com. You can log in. Everybody has an account. If you don't have an account, you can put forgot password. Everybody should have a account or create one. When you get in there, it's going to tell you exactly what your student loans are. Now you call up the company and say, "Listen, my student loans are I need my student loans to be deferred, right?" Because what happens if you have late payments right now, you can defer your student loans, right? But, then also, the people that's suffering with late payments at the very moment, you call them and you say, "You know what? I need you to do a retroactive forbearance or even defer my student loans." And they're going to defer for you. They're going to give you a form to fill out and when you fill out the form, this is the secret, y'all. Pay attention. The secret is when you fill it out, they're going to tell you what date do you want the start date to be. The start date has to be before a month or two before that the late payment occurred. Because if you do not do that, what happened is they're going to all instantly put you on deferment and they're not going to retroactively it. So, you want it to be retroactive. So, all the late payments that occurred at that time comes off your off your student loans now. So, now you back into the 800 or 700s now. So, all them points that came down because your student loans usually when they report on the profile, it's about five to 10 accounts. So, when you get one late payment on one, you get one late payment on every account. So, and the student loans start at 90 days. So, now that's how you do that. Now, I'm going to show you how to get into income driven. This is good because people is like, "I don't want to pay my goddamn student loans. I'm a I'm a I'm just avoid them." Why avoid them when they're going to catch up to you later? This what you do. You call up the student loan providers. You say, "You know what? I want to opt into a income driven repayment plan." Now, this is a secret. Even if you making a lot of money. The secret is when you call them for income driven payment plan, they're going to tell you how much you make. But, then this is a secret. What is your household size? Remember, you you in a household size, you got your mom there, right? You got your pops there. You got your lady there. You got your brothers. You got your sister. Now, that's probably about five people, right? If you got that cousin that's always staying over, you know that cousin that's always staying over, come over to play, start every now and then start bringing a little bit of clothes. Before you know it, his ass live there. He living in the house, too. He getting mail there. He live there, too. You add him on there, too. Now, guess what? Even if you a nurse, if you a doctor, you a public service worker now. Now you got five or six people living in your home. Guess what now? Now your payments go as low as $0. So, I've seen people's student loan payment go as low as $0 and that counts. So, for public service loan forgiveness, they require you to have a hundred 10 years of payments. So, $0 count as payments. So, if you do that for 10 10 years, now just say you had two or three hundred three hundred thousand dollars in student loans, all of that is forgiven. So, now you don't went to school and your federal student loans, you didn't pay anything because you used the system. You leveraged the system. So, you basically went to school without paying your federal student loans. A lot of people not going to tell you that. So, that's why the system is there for us to design designed for us to get a better understanding of it cuz it's not work it don't work in our favor. But, that's why you need people like us cuz we have the strategies. These are the strategies that's going to save more people money in their people going to able to keep more money in their pocket. These are the right strategies that's going to save you time, energy, and money. That money that you could have been using to pay off your student loans to get yourself in good standing, you are now using that to take care of your family and put that money back into something else that's going to generate you income. Why continue to suffer because you do not have the proper information? That's why information is key, y'all. I'm telling you. They tell They say, "Yo, you put If you want to hide information from a a person, put it in a book." Why? Because they never going to they never going to go there. Well, guess what? This is a era where you guys are getting information cuz we got social media. Social media is the biggest tool right now. We got people overseas from third world countries becoming rich off of social media, y'all. I'm sure you see it, bear man. Third world countries, they getting rich. You even even if they using it the wrong way. Women are the most smartest right now in the industry because women know how to take advantage of everything. They taking advantage of social media. They running the plays. You got girls in third world countries, man, over here like this and that, but if you look in the background, you see them in a village. You like, "Wait, what the hell?" But, they running up a bag because they know that the phone is a is a tool to leverage and they leveraging us. So, why can't we leverage the social media and the tools and people like us that's giving information to get ahead in life. These are the things that we need to do and they're not teaching us in school. So, it's time."

For you guys to take action, man, because we're giving you information and to have this type of conversation with me and him, we charge. Yo, we charge, bear, man, to to have a one-on-one conversation with us, honestly, just a consultation, we charge over $5,000, right? Even to get mentored by me and him, we charge over $20,000 to get mentored by me and him individually. So, this information that we're giving people right now is completely free, and we're giving it 'cause we're in front of your platform and we know that if we're in your platform, we got to give out the sauce, especially if somebody's been spending all that time to sit here and watch us. We ain't going to waste their time.

Exactly. And and for people that's, um, that [snorts] let's say if they don't got $20,000, do you guys have a like a smaller community they can go to? Like a school or a Patreon? Like me, I got a Patreon. I got some people paying $50. I got some people paying $200 a month. Like, you got smaller tiers like that that's monthly?

Yeah, so Kev, how I was breaking it, let me break this down for you, right? So, what happened is we see a lot of people, they're going to other people's backyards for funding. So, I'm in New York City, but I'm going for funding in Alabama. I'm going for funding in Texas. I'm going for funding in, uh, New Jersey, right? But, what we could do is we could go to bankbranchlocator.com. And when we go to bankbranchlocator.com, we can go to the top right-hand corner, put our zip code in, right? Once we put our zip code in, it's going to show every bank that's in our backyard. What you want to do after you do that is you want to walk over to those banks and get to know relationship managers within those banks. 'Cause here's the thing, when the banks are pivoting, the relationship managers, they'll educate you and update you and give you information.

Also, we don't want to apply like the masses, right? What happens is when you apply like the masses online, you get these generic approvals from $5 to $15,000, but if you go through a relationship manager, you can request the amount of money you want via DocuSign. This is the game that they're not teaching you, right?

So, here. Boom. Next thing we could do is we can go over to a creditboards.com. Creditboards.com is a forum. So, now you'll have people in the chat saying, "Hey, I was approved for an Amex Platinum at a 680 credit score. These are the comparables I had." And if your comparables match their comparables, you can go over to an Amex and apply. So, a lot of people don't understand the tools we have in front of us or leveraging those pre-approval tools, right?

You can go to google.com and pretty much what you can do with google.com is you can go through pre-approval tools. You can type in "credit card pre-approval." When you type in "credit card pre-approval," what you see is basically Chase, you Capital One, Discover, Amex, right? They have pre-approval tools, but my favorite pre-approval tools are always going to be credit unions. Why? Because they're giving out the money, right? They're giving out the money. So, they're non-profit, right?

So, I want you to understand this, Kev, right? If you could go to a Christian Community Credit Union, a Wings Federal Credit Union. Once you go to these banks, right? When you pre-approve, you can double dip with them. A lot of people don't understand that. You can double dip with them. So, now what you do is when you pre-approve, they're going to approve you, they'll basically pre-qualify you for three products, right? So, a credit card, an auto loan, and you can go for an installment loan, right? So, now you're getting three for one. A lot of people don't understand. So, now you're getting three products for one with one inquiry. It's super important that they understand that, right?

So, I want to say this, too, right? Because the average person, what they do is they walk into the banks and they say, "Hey, what do I qualify for?" Nah. My students and my and and my clients, what they do is they walk into the bank and say, "Yo, you know what? I got $400,000 with Amex. What is it going to cost for me to bring my money over here and what products do you currently have?" You know what I'm saying? So, now now we understand, all right, cool. Oh, they'll break down everything they have. Chase, obviously we have the Chase Ink Cash card. We have the Chase Ink Unlimited card. US Bank is going to pretty much go through that what they have for you, right? And because you're bringing money over, that is the best way to establish a relationship with the banks, right?

So, pretty much you want to be able to give your clients that, right? You want to be able to teach. We're we're teaching our students that every single day, right? Because here's the thing, if you go if you have a relationship manager, right? And you don't get the approvals you want, here's what you can do now. If you don't get the approvals you want, because you came off to the relationship manager as an established business, right? Because one thing we said is if we're going for a credit card, if we're going for a credit card, we're saying, "Hey, we're using it for working capital, payroll, right? Also, marketing, right? We're running in with ads, influencer promotion, right? We're on a podcast right now." So, if you're telling the relationship manager this is what you need the funding for, if you don't get the approval you want, they're going to go back to the underwriters and say, "Yo, um, what's going on?" Right? They're going to fight for you. They're going to say, "What's going on? This person has this going for themselves, this going for themselves, this going for themselves. Let's get them approved." They're going to fight for you. But, if you come off and come to the bank and say, "What do I qualify for? I don't know what my projections are. I don't know what my stated income is." Then guess what? You're not going to get the approvals you need.

So, here's the thing, right? A lot of people don't understand this, Kev. Here's the thing. There's three different projected income, there's stated income, and there's household income. A projection is if you had everything, if you had the money, you had everything established, right? You had all of it established, what you're going to make, right? Stated income is what you state. And then household, if you live with your aunt, your uncle, your sisters, your brothers, what you want to do is leverage everybody's income together in order to get that approval. But, what happened is a lot of people going into the banks and they don't know that. They're just giving them their raw income. And that's not how you grow.

So, here's the thing, Kev. I want to know like the first thing people need to know, obviously, Kev, is mindset, right? We have to fix our mindset, our thought process. >> [clears throat] >> Because what happens is we'll go in, we'll go in with four-figure habits trying to get seven figures. Now, we got to reestablish everything, roll it all back, and then go, right? We want to come into the banks like we that person. I'm him. I'm her when I go into the banks because if you come off that way, that's what they're going to give you. Right?

See, what happens is if you don't have the right mindset, you ever seen people who won the lotto? So, what happens is because they didn't have the right mindset, 90% of people who won the lotto, they go broke because they didn't have a millionaire mindset. They had a broke mindset to begin with. So, they they did a scratch off or whatever they put numbers in and they won, they won the lotto. But, what happens is you got to become that person before you go in there. You got to become that person. See, even for you, Kev, you had to become that person. Like you already know you him. You already know you're going to spend that amount of money, right? 'Cause what do, what are you spending a month right now? On ads? >> Yeah, on ads. >> Maybe like 300. 300 'cause you believe in yourself and you know it's going to bring you back whatever, 3x, 4x, 5x. Right, exactly. So, at the end of the day, the average person is not spending the money on themselves. The average person is not learning the tools to take their life to the next level. Right. And that's what happens in in 90% of the time, what happens is the average person, they might be the best at what they do, but they're the best kept secret, right? Because the world don't know. The world don't know them. You could be the best at taxes. You could be the best at basketball. You could be the best at anything you do, but if the world don't know, you're best kept secret. Right.

So, it's like, what do we do to elevate our life? We start to take those tools. This is why we have a five-day, a five-day mental shift where we're teaching people actionable steps to take their life in their hands. Because here's the thing, the average, a lot of people, what happens is they're going back to the same neighborhoods they hate. They're working for the same boss that they dislike. And here's the thing, they're smiling with the boss knowing they hate him, right? And guess what? A lot of people are not taking care of themselves. Why not learn this tool so you're able to change your life and get around people like you and I, right? Because here's the thing, if you're around seven millionaires, you'll become the eighth, but if you're around eight broke people, you become the ninth.

Exactly. >> What do you do now, right? It's it's about getting in the right rooms and going to the people who have the lifestyle you want. That's why we're not just funding anybody, Kev. Like we're not just funding anybody. We're not just If you come in and say, "Yo, I just need money." What you need it for? We need to know why. Why? We need to know why so we're able to help you elevate, you know what I'm saying, and grow the money, not just go spend the money.

See, I had a young boy come to me and he was like, "Yo, listen, I need funding." I'm like, "What for?" He said, "I want my peers to realize me." And I was like, "What do you mean you want your peers?" He said, "So, I'm going to get changed. I'm going to get some clothes." I'm like, "No. Your peers are going to realize you for what you do. Why do we know Michael Jordan? 'Cause he was one of the best hoopers in the world, right?" So, it's like, why not have your peers notice you for what you do? What do you like to do? He ended up building out an e-commerce brand and now he's making over over multiple six figures right now a year because we were able to help him get the funding, but we first had to come up with a strategy.

See, I'mma tell you now, a A of these funding, uh, like these industry deep, credit repair industry is deep. But what they're selling is relationship managers and all that, which anybody can get, which we're going to get to, right? But what I'm selling is strategy. I'm teaching you that you can change your lineage, you can change your your kids' kids' life with the information we're giving you. Right. Right? And I'm teaching you how to stay ahead of the gun, right? Because as you build these relationships with relationship managers, they're going to tell you how the banks have pivoted.

So, I don't know if you know, what you can do is you can go over, right? For for somebody that's, um, in in an industry, right? And then and maybe they don't know how to get a relationship manager. There's multiple ways you can go about it, right? First way you can go about is going to the banks, meet relationship managers, tell them what you do, and then lock them in as a contact. Or second way you could do, my favorite way is go to linkedin.com. And when you go over to linkedin.com, what you want to do is you can add relationship managers, and then you can send them direct messages. But here's the thing, a lot of relationship managers, they work regional. They may work in New York and only can take care of the tri-state, maybe only Florida, maybe only Texas. So, we're going to go to LinkedIn and get all of them so if we have a client in any state, we have them covered. Some relationship managers can take the whole United States, but we want to make sure they fully understand that, right?

But here's the thing, when you reach out to them, you want to just ask them a simple question. Tell them something simple about you. "Hey, I help entrepreneurs gain access to capital, would love to connect with you just to see what your KPIs is so we can help each other." Right there is going to show is going to show that first and foremost, you care about what their goals are, and that it's a collaborative effort. Right? So, once you do that, pretty much now you establish a relationship with them, they tell you what their requirements are, you tell them what your requirements are, now you have an agreement. Now you get to send clients over to them, and again, going through a relationship manager, what you get essentially is basically you can request the amount of money you want via DocuSign. Um. Right? So, it's super important that we break that down.

But here's the thing, a lot of people are going to say, "Yo, you know, I don't have much time on my hands. I have to add them and then have to wait for them to add me back to send a message." But here's another way you can go about it, Kevo. You can download linkedinpremium.com. You can download LinkedIn Premium, and once you download LinkedIn Premium, you can send them a direct message without having to add them. So, $69.99, you can send them a direct message. Would you say it's worth it? I think it's worth it. Yeah, for sure, because I have relationship managers I've done made over $200,000 with, right? I I made money with them because I was able to send my clients to them. So, it's a hack, right? And then here's the thing, these relationship managers, they don't request any money, you're helping them with their KPIs. And KPIs is just helping them get to their goals and their 'cause they have metrics as well. Maybe they need term loans, maybe they need auto loans, right? Maybe they need installment loans. So, we pretty much help them get to their goals, one hand washes the other, both wash the face, you know what I'm saying? So, that's what it's all about, right? And getting in those right environments. I'm always going to go back to environments 'cause your environment matters more, your environment matters more than your, um, your thought process, it matters more than your inspiration, your motivation, anything like that. Right. You know what I'm saying? So, we want to make sure we take advantage of that and get in those rooms.

And just to give you, can I give you some more game? Give me some more game. >> Here's a beautiful thing, too, with American Express. A lot of people don't know with American Express, if you have the American Express Platinum card, you have your own personal concierge service. So, let's say if you got a nice young lady you want to take out to dinner, what you can do is reach out to American Express to their concierge service, and they and they'll go and call and book you a reservation for dinner. Um. They'll go If you're looking for a nice pair of Louis Vuitton, I know you wear a lot of Louis, right? If you If you're looking for a nice pair of Louis Vuitton sneakers you can't find in your local area, you can call the concierge service, they'll help you. Wow, I never knew that. >> Yeah. You can literally have a conversation with them, they'll go and even if the restaurant is booked. I was in I was in Hawaii. We went to go, it's a famous spot called Mama's Seafood in Hawaii. They were booked for months. I called the concierge service, and they were able to book an appointment for me and my wife to go to dinner. Damn.

So, it's like we don't understand what we have in front of us when we leverage credit. This is why credit is better than debit, right? Because with debit, guess what? If you go on, spend some money, you're not getting points, you're not getting anything. And let's just say for instance, somebody don't fulfill on the service. When you go to dispute, it's going to the dispute process takes way longer than a credit card. Why? Because the credit card is their money. They like they're not playing that, they're going to go fight harder for their money than yours. Yeah. You know what I'm saying? So, these this is the game that we're giving and we're teaching people in the five-day actionable steps to take their life in their hands. You know what I'm saying? Because again, it's all about who you're around, it's all about who's going to give you the game.

See, a lot of these gurus, what they're going to tell you is a 700 credit score can get you approved. Nah, it's deeper than that. It's the, it's the, it's the profile, the profile matters more. It's the comparable credit. It's the credit age. So many factors. Is the business properly structured? Not everybody with a 700 credit score can get funding. Right. You know what I'm saying? So, we're pretty much breaking that down. We'll be showing people on the five-day how to do that. You know what I'm saying?

And I know one thing about you, Kevo, is you invest a lot of money in yourself. One thing you said is you spent over 300, you spent over $300,000, right? Yeah. On yourself per month. >> Yeah. And it's like the average person is waiting, they're paying attention to us, right? They're paying attention to everything we do, right? And then they don't want to lock in. And then what happens is they don't understand the most important thing is time. How to get to your destination quicker. How do you get to your destination quicker? A lot of people are sitting there and they think YouTube, they're going to learn from YouTube. But YouTube, you can't lock in with Kevo 'cause you can't ask Kevo a question on YouTube. >> Exactly. >> You can watch him, but you can't ask a question. But if you, if If a lot of people don't understand that trans In order to get transformation, it requires transaction. Exactly. So, you got to spend 'cause when you pay, you pay attention. Um. A lot of people don't understand when you pay, you pay attention. That's when you lock in.

So, I was broke when I locked into my first mentorship, right? I was broke. I sat down and I looked, I was like, "Yo, this is $7,500." I was working a 9-5, and I ain't have it. I pulled out of my 401k. I pulled out of my 401k to invest in a mentorship, but I knew I said that was my last. I got to run every single play. Anything they give me, I got to take action. Um. Was able to change my life in a year and a half. Wow. The average person can't do that. The average person can't do that because when they see, when they ask for that amount of money, when you get the bill, you're like, "Nah, I ain't that serious. I don't want to do it." But I was willing to go through the wall. I had to look at my family and say, "Yo, you trust me? All right, cool. I'm about to run the play. Don't worry, I'mma be able to change our life." Now we have higher projections. Why? Because we're doubling down on loving on the people. We're obsessing over other people's problems so much that they're willing to dig in their pockets to pay us to solve it for them. Right. That's how you get rich. The problem is a lot of people are broke, Kevo, because they obsess over their own problems. You got to obsess over other people's problems. If you obsess over other people's problems, they will pay you to solve it for them. Exactly. >> Somebody broke, it's because they're selfish. They're selfish. That's what it is. I'm selfless. I'm able to do that. Um.

Yo, can I give him a little bit more game, though? >> Give him some more game. >> To talk about credit unions, right? I want to talk about credit unions because a lot of people don't understand that credit unions are nonprofit. And we can leverage pre-approval tools to get credit unions, right? So, here's the beautiful thing about credit unions, right? When you go to a credit union, they're going to approve you for multiple products. They're going to pretty much break it down. They're going to approve you for multiple products so you can get more than one product. You can go for an auto loan and installment loan, right? And you can grow with them. So, I've seen a lot of people do the pledge loan with Navy Federal. A lot of people use the pledge loan with Navy Federal, obviously to establish a relationship with them 'cause if you ever want a bank to take you serious, in order for them to take you serious, you got to make deposits. >> Right. So, when you go and get a pledge loan, right? When you go and get a pledge loan, you can go and get a pledge loan, all right, right? Once you, you can pay off 90% of it the next day, and now you have an established open account. But it don't, it don't stop there, Kevo. Let me give you some game. What you can do is you can add a co-applicant onto your pledge loan. A lot of people talk about pledge loan, but they're not talking about adding on a co-applicant. So, now you can call a brother, a sister, or you can even sell it to a client, right? Yeah. When you add them on as a co-applicant, now both of you guys got a primary account of how much money you invested into that pledge loan, and you got your money back 'cause you took out 95% of it. Um. So, now both of you guys got a pledge loan. So, these are the things that they're not teaching you that we're going to be teaching on the five-day, you know what I'm saying?

And then one more thing, too, when you go into pledge loans, you can go to, it's called American Consumer Council. And when you go, when you apply on American Consumer Council, you can use a code. The code is Andrews. And with that code, it'll give you access to over 85% of credit unions throughout the United States. Damn. 85%. Because a lot of these credit unions require you to be in clubs, require you to be a teacher, require you to be multiple things. But with with American Consumer Council, all you have to do is use the code Andrews, it's free, you'll have access to all of them. Damn. Now you can go and run the play over and over and over.

But on the business side, we want to make sure that we're going around and we're pretty much establishing that relationship with all of these banks. Because again, there's multiple banks we can go to. You got Truist, you got American Express, you got Amex. Here's the thing, the average person, what they're going to do is go when they need money, they're going to frantically apply at five or 10 places, and what happens is, not knowing, now you got five or six inquiries just on Experian, or five or six inquiries on Equifax or TransUnion. What we do is we apply horizontally. Why do we apply horizontally? We apply horizontally because it's strategic and it's smart. Let me break it down for you, Kevo. Right. We want to go and get one inquiry at Experian. So, let's just say we go to, we go to Amex, we go, it's Experian. Then we go TransUnion, we go US Bank. Then we go Equifax, we go Truist. That's one, that's one inquiry across the board. Now I know I can go for another one inquiry across the board, another. So, that's nine places I can go to for three inquiries. The average person, they frantic, they just applying everywhere, but they don't understand the mathematics behind it. They don't understand the formula. But, if you break that formula down that way, the banks, the banks don't know.

So, here, imagine this, right? You're in the club, right? You meet a nice young lady, right? You're having a good time while you're talking to her and everything. And you like, "Yo, listen. Um, y'all vibing with each other, you're having a good time. But, then you see another nice young lady. You like, you turn around right in front of her and talk to her. That's how the banks feel essentially when you have so many inquiries. They see you shopping around. It's like, "Nah, I'm not going to give him funding." That's like playing the woman in front of you that you're talking to, the nice young lady you like. Right. You know what I'm saying? So, I'm teaching them, I'm teaching you how to break those things down and understand it strategically in order to elevate your life and change your life. My time. You can only grow to what what you're exposed to. You know what I'm saying? That's why I had to get in these rooms, you know, 'cause here's the thing. I was broke a year and a half ago, but I came down to Atlanta and I was able to see other individuals who had Lamborghinis. I never seen a Lamborghini in in the Bronx. Yeah. >> What I'm saying? I never seen a Lamborghini in the Bronx. I never seen a Rolls-Royce in the Bronx. And if it was, it was a rental. But, I was able to come down to Atlanta and see people driving Lamborghinis, Rolls-Royces, Ferraris, right? And they owned it. And I said, "Yo, this is the environment I want to be in because I want to be in an environment that inspires me, not tires me." Because I understood if I stood in that environment, it was going to expire me. Does that make sense? Because we understood, I understood that I was being selfish to my family if I would have kept them in the hood. I understood that. So, I had to go and invest in in myself. I had to invest in, um, my belief system and grow and become better all around. So, it's like I'm constantly getting better. And this is why I tell all my students, I'm constantly investing in myself. I spent over $200,000, you know what I'm saying, in invest, I mean, in in in myself, right? In mentorship, elevating myself. So, it's like when I give you a price point, it should be a win for you because I'm giving you all the information I learned, everything I've went through, and I'm able to give it to you. Right. At a way cheaper rate where you're able to lock in and elevate yourself and change your life. Right. A lot of people don't know like when they make those, when they when they invest in us, right? They don't know that they're locking in on themselves. They're not locking in on us. Our life is not going to change. It's just it's a, it's a, it's a payment. It's a, it's a payment fee to see if you're serious 'cause when you pay, you pay attention.

So, here's the thing. That's what it's all about. That's what it's all about, elevating your life. That's why in the next, in the five days, right? In the five-day challenge, we're going to break down how to change your life in real time, how to elevate, right? And how to obsess over other people's problems so much they're willing to dig in their pockets to pay you. We're going to be going over credit repair. We're going to be going over H Corps, how to leverage them. We're going to be going over, um, funding, how to run a proper sequence. And we're going to tap into AI. Because a lot of people don't understand, you know, I spoke to a couple of my guys back where I used to work. You know what I'm saying? A lot of them got laid off. They got laid off because of AI. Oh, damn. It's crazy they got laid off because of AI because here's the thing. AI is changing right now. They have now these AI agents where they can act as employees. Okay. >> So, we're going to be teaching our students how to If you can't afford a virtual assistant right now, maybe you can leverage an AI agent. Right. So, this is what it's all about. We're pretty much going to be loving on the people, giving them everything, right? Right. >> It's for them. And it's free. It's free, Kev.

At the end of the day, you see we sauced you up today. We gave a lot of information >> for the people, right? The people going to see it, they're going to be motivated, they're going to be inspired. But, who's going to take action? Exactly. They say the difference is between the top, the top 90% and the top 1% is the top 1% take action. The top 1% is going to run it every single day. And here's the thing. When you're running an established business, 'cause a lot of these gurus, they're teaching plays. We're teaching you how to run a real business. It's boring running a business. It's it's 'cause you're doing the same thing over and over and over. We're building systems. And systems just stand for saving you time, energy, and money. You know what I'm saying? Yeah. >> Is what it's all about. This is how we elevate. This is how we change things. This is how we take, um, our lives in our hands and take the others' lives in their hand. And then take somebody with you. Educate them. Take them to that next level. Show them what's what, what's possible. Mhm. And that's what we're doing. We're taking people with us. Like you just seen one of my mentees, she was in here. Because she was able to obsess over other people's problems, her goal this month is $50,000. Yeah. You know what I'm saying? That's damn near the average salary in America is $40,000, Kev. No cap. $40,000. How, what can you do with $40,000 if you got bills? You still got to travel. You still got to work. And guess what? Like the economy changes. >> Still got to eat. >> Still got to eat. You can't afford. So, I have mentees that's making $50,000 a month. Fire. Because they're obsessing over other people's problems. It's no longer about them. It's about it's about the the the clients' problems. Right. >> We help people in that's in the tax industry, right? We help them because what happened is people in the tax industry, they only make money from January to April. What are you doing after January, April? How are you top-down selling your client? How are you walking them through a journey, right? We have to walk our clients through a journey, right? After we do their taxes, maybe you need funding. After funding, maybe you need somebody to help you in a mentorship, right? Right. To elevate. I mean, I mean, if it's if it's real estate, I'mma take you to my guy Eric Crushfield. If it's funny, you may come to me and Ali. That's the class. Man. >> Yeah, we ain't, we ain't holding back. >> Yeah, we, we not holding nothing back. We not holding nothing back. >> I'm like, "Damn, I I can't even believe it." >> Bro, we on a capital podcast, so we got to make sure we give out the true value and the value that people need 'cause a lot of times, right? Our people, we may say, "Yo, but you know what? But, uh, the thing about credit is the reason why I love this industry, let me tell you why. It's because you can be a felon. My favorite clients, I tell people I like felons. You know why? Because it shows you that we're on an even playing field. With this industry right here, this credit allows you to be on an even playing field. So, what happens is a lot of time we so used to blaming slavery. We blaming the white man. We blaming everything else. Nah, the blame game doesn't get you anywhere, right? Yeah. But, when you a For example, right now, you could be a black, you could be a white, it doesn't matter. It's about what's on that profile. A white guy could come in and a black guy could come in. The black guy could get approved because he has that established credit. He has that profile. He has that good resume. Right. The white guy, if he comes in and he has late payments from all things that's going on for the last 3 months, he's not getting approved because he's a liability. You'll get approved because your profile says otherwise. It tells a story to the lenders. This guy IS NOT GOING GETTING NOTHING 'cause his banks, the banks are showing that he can't pay nothing back, right? Right. But, let me tell you like I said, why felons are my favorite. Because it's a change their mindset. So, when you get a felon, when you a felon, it's a, you turn that F, you go, Now it's time to turn that F, which is a felony, to E, which stands for entrepreneurship, right? >> Mhm. So, you turn that felony to entrepreneurship. By doing this, you're able to then go leverage information from the banks. Leverage capital from the banks. It doesn't matter that your record is is messed up. It doesn't matter that this job doesn't want to hire you because you're a felon. Somebody could deny you. And a lot of times when people are used to making a certain amount of money, it's hard for them to get back into society to start making $8, $10 an hour because they say, "Used to making a certain type of money." But, guess what? Now you're able to create a lane for yourself. You have the same equal opportunity as everybody else by leveraging the credit. So, it does not discriminate at all. It's called equal lending opportunity. Yes, sir. A lot of us don't know that. Equal lending opportunity. Whatever somebody else can get, you can get the same thing. So, there's no more excuses nowadays. So, you "Yo, I just came out of jail." There's none of that. It's none of that. It's none of that. 'Cause a lot of guys nowadays, it's sad to say, but women are killing it right now. Yeah, they are. >> Hair industry, Kev. Hair industry. Yeah. Every industry you see online, women is killing it. OnlyFans, whatever it is. They're killing it 'cause they know how to leverage, right? But, then a lot of our guys nowadays, we're not doing so A lot of guys are not doing so well, right? A lot of guys I'm seeing them, man, they laying on their couches, man. Their wife come back home. Guess what? They they fake sleeping, man. You know what I'm saying? They fake sleeping. They acting like they sleeping, but they know they're not, you know? You know what it is, bro? I think that they just want to continue to just watch. Just watch. Watch. Watch. >> To watch. They just want to watch it. Like they're going to watch the podcast. They're going to be like, "Man, I've been watching y'all for 3 years, 5 years, 10 years." >> What are you doing now? Exactly. It's It's the thing is I don't think that they want to really take a risk like that. A lot of Like more women are starting to take more risks than men. You know what I mean? That's what's really going on 'cause I'm looking at it like I talk to a lot of people every day and I'm just like they be like, "Yeah, I want to do this and I want to do that." But, but, but, but it's a lot of excuses. Mhm. They won't spend the money. Why are they afraid to spend the money? I don't know. Some Some people just want to look at the money. Instead of Me, I'm more of a person that Let's say if I make $100,000 right now, I'm putting 50 back into myself. I don't want to see the 100 in the bank. I I believe in myself that much to say I can get, I can be on a Jay-Z level. I can be on an Elon Musk level. I can be a billionaire. You know what I mean? So, in order to do that, I have to be like Coca-Cola. Why is Coca-Cola and Pepsi and all these places still spending a billion dollars a month on ads? Let me say something real quick. Bare man, the crazy thing is that visibility always beats ability, right? There's a lot of people in this world they're great at what they do, right? They they're great at everything. But, nobody know who the hell they are. How can somebody know who the hell you are if you're not going to put yourself out there, right? How can you reach your highest potential if you're not going to put yourself out there, right? It's only right to put yourself out there so you can maximize on it. A lot of people nowadays, right? If you notice that, right? They're in they're in playing positions, but they say, "You know what? I'm not going to bet on myself. I'm not going to do this. I'm not going to do that." Why not bet on yourself? Because at the end of the day, you are your best investment, right? If you want to get the respect that you need, you got to bet on yourself. You want to get the lady that you want, you got to bet on yourself 'cause a lot of guys are looking at these ladies and you know they're out your league. Why they out your league? Because you're not making the money. You're not You don't have the actionable steps. You're not doing anything with the information. Ladies nowadays, they want high value men. To be a high value man, you you have to go there and put that work in. You can't just sit there from the sideline looking at the best ladies out there, the ones that you want, and just drooling from the sideline, but you know you can't talk to them because the moment you try talking to them, they start they look at your social media, or they look at who you are, or they start to ask you certain questions because they they're vetting you, and they realize that you're not the type of guy for them, they don't want to talk to you no more. How can you provide for that lady IF YOU CAN'T PROVIDE FOR YOURSELF? >> YOU know what I looked at? So, you guys know, you know, real estate portfolios, right? One day I woke up and decided looked at my Instagram and said, "This is my portfolio." This is This is going to be when I show somebody, they're going to say, "Wow." You know what I mean? And that's Your Your Instagram is really like a door opener. Like if somebody instantly be like, They can either say, "I'll give them $50,000, $100,000, $10,000." So, depending on how good you make your Instagram look, your whole lifestyle look, is how you're going to get paid. You know what I mean? So, we got we got to kind of like think about it like that in that phase as well, too, though. You know what I mean? What does poor mean? >> I I spent a million dollars one month on ads, and somebody said I was stupid. You could have did this, you could have did that, you could have did this, you could have did that. >> How much you made on that? God damn. I probably made about 4 million dollars. But But remember this, though. The person who said it was poor. What [snorts] does poor mean, man? What does poor mean? >> It always Like they're going to tell you to do things that that they not they can't do and won't do anyways 'cause they don't understand. Why are you spending that much money on ads? The same reason why all these other big brands, candy companies, juice companies are spending billions of dollars on brands. You know what I mean? Still to be seen. Like come on, bro. It's been years they're still making us see them. They're still Like just like Okay, for instance, we go inside of Walmart right now. Just for those placements to be where they're at cost. Like me, let's say if all three of us come out with a brand tomorrow, who cares, right? It We We got Let's say if we we were for 100 million dollars, we come out with a water brand tomorrow, who cares? You know when they were going They're going to care when our water brand is in Walmart. When you check out, that's when people are going to care. How many people have we met that have a lot of money, but we don't know who they are? They'll be like, "Oh, yeah, I can show you." But we don't know who they are. I am one, I want to be the asset. I want to be the real estate. I want to be the Bugatti. I want to be all that myself. I want to wake up, like I told you, I'll wake up every day no less than $40,000. No, that's at the least. Because I became my own asset. I dumped dumped If I make a couple hundred thousand, I'm dumping it back into myself. Maybe I need to spend more money on TikTok. Maybe I need to spend more money on Snapchat. Sites where people sleep on, I'm spending money on. You know why? Let me tell y'all a secret real quick. So, for instance, when you go to Dubai, do you think people be on Instagram or Snapchat more? Probably Snapchat. Snapchat because Snapchat everybody is Muslim, and they don't want their pictures on Instagram all the time. So, they like to do their little thing, and it goes away in 24 hours. You get what I'm saying? I never knew that until I got to Dubai. But I run $50,000 a week over there. So, when I go over there, I'm the only person in the mall people coming up to getting pictures, which is weird 'cause I'm not Arab. And you're not even from out there. You get it? So, that's what I'm kind of trying to give you game on is it's like you never know who might see you, and fame goes a long way 'cause everybody's over there rich, but everybody's not famous. So, it's like a rare thing. It's like, "Oh my gosh, that's him. I seen you." You know what I mean? It's almost like it's it's kind of it's strange to say, but it it means a lot. You know what I mean? It means a lot. >> And that leverage, that leverage that gives you opportunity to have more opportunity. Like whatever, whatever free free flights, free free stays, free food, literally. You know what I mean? Like just 'cause like I said, there'll be a lot of people with money. Everybody has money, but they don't understand fame. You know what I mean? They don't understand the internet. That's why we have to master the internet, understand the internet, understand why people look at certain things for a reason. When we go on the internet, we're going to go look at the video with the most views. We're going to listen to the radio, we're going to like the song that we hear the most. Why? Because that person or that label paid for us to hear it the most. You think that they just, it's just a great song? No. You know what I mean? So, when we go on Walmart, whatever we see the most got paid the most to be Oh, you want it shelved here, or you want it shelved here? You know what I mean? And they paid for that one. They paid. So, everything is advertisement, brother. I'mma give you a little secret about like rap, the rap game. I'm Like I'm a rapper, right? But I'm I'm an entrepreneur as well. So, you ever see a rapper? Like for instance, let's say Drake. The reason why Drake is always climbing for years and years and years because he continues to put two to four million dollars per month probably in his music, right? You see some rappers kind of falling off. Because the labels was dumping money, dumping money, dumping money, and they were like, "Shit, they got big-headed like, I'm big. I don't need y'all to keep spending all that money on ads." And you see them slowly decline. That's because people don't understand you have to keep dumping money into yourself to stay at the top. Why? Because it's a lot of competition being created every day. While we're sitting on the podcast, somebody is turning into a credit and a funding and a podcaster. Right now. But how, but are they going to catch us? Probably not because they're not going to spend the money we're going to spend to stay on top. Now, that's valuable. >> What I mean? I'm just giving you the game. And how I look at it like every day I'm like, "Damn, how much more money do I need to to spend to stay on top in 2027?" 'Cause my mind is in 2027. And I'm knowing somebody's coming after my spot. But I know that they don't want to spend the type of money I'm

spending. You understand what I'm saying? So, how do you keep your spot? Is it all about the >> your spot by investing more money. Just like Mountain Dew, Coca-Cola, Pepsi. They keeping their spot, ain't they? People still buying it. >> McDonald's, too. McDonald's is all game. Everybody know McDonald's, but But But But if you If y'all watching, anybody's watching, just go Google it. How much they spend on ads? Ask ChatGPT. To this day, McDonald's has been around for a long time. Why are they still spending billions of dollars? Now, that's game. >> To keep their spot. You know what I mean? And we are the same. We are the We are the exact same. Ain't no different. Ain't no different. >> run it like a business. That's what I learned. We got to run ourselves like a business. We got to treat ourselves like a business. That's all it really is. Cuz people right now don't know who to go to, who to choose. Why Kevin? Why this? Why that? Why this? You know? But when they start seeing, you know, certain angles, they're like, "Oh, wow. Damn. Bro gave some crazy game. He gave some crazy game." They going to be like, "Oh, man, I got to I got to rock out. I'mma be on that five-day challenge." You know what I mean? And that's what separates everything. You know what I mean? When they see like, "All right, this on this level, that's on that level." Cuz we all pay attention. We going to go to your Instagram. We going to go to his Instagram. We go to my Instagram. And we all look like, "Okay, I see what they got going on. They taking trips. They doing this. They doing that." You know how people is? Because that Remember the outside people, they work jobs. They do nine-to-fives. But at the same time, they want to get their credit fixed. They want to take trips. They want to be rocking Louis and knowing Like for instance, y'all got some great mindsets. And a lot of people that's watching, they don't they don't Their mindset They before that they can think on something, they have to go ask someone else. They got to be like, "Yeah, man, I heard the guy say, 'I can get funding.'" "Hey, bro, you think I can go get funding?" Now, his bro never did funding or don't know what funding is. Man, I don't know, man. I don't know. They might not You know You know what I mean? They don't have the mind at their home. It's that It's that broke mindset. It's that broke mindset. That's what it is cuz You know what it reminds me is that broke mindset cuz what happened is they say you surround yourself with six millionaires, you going to be the seventh one, right? You surround yourself with seven millionaires, you going to be the eighth one. You going to be the next one, [clears throat] right? But that's the thing about it. The mentality is a lot of people we surrounded by people that have that broke mentality. We surrounded by people that's talking about what LeBron James did. We talking about We watching people talking about what Dwight Howard did and his wife and [ __ ] like that, right? But when are you going to surround yourself with people that's taking [ __ ] to the next level, right? That's having completely different conversation. When are you going to be around seven-figure earners, right? When are you going to be about people that's having people that's in different rooms? That's the type of [ __ ] that change your mentality and change your mindset because you're around all of this, so that becomes your norm now. But a lot of people are still stuck on the block. So, sometimes it takes for people to change their environment, to step outside, take a trip somewhere, and be around there for a little bit. If you love your peace people, right? A lot of us say we love our people, but we still leave them in the hood. Tell them, "Yo, you know what? I love you, man. You my brother. You my day one. Come out here and travel and come see me for a little bit, right? Come see me, and let's see how it goes, right?" So, did you guys Did you guys end up moving from your hometown?

So, what motivated me, man, is like, you know, coming from the Bronx, New York, you know, the inner city, went from doing door-to-door, knocking on doors for five or six years, you know, in New York City, the most aggressive city, right? I risking my life every single day, right? To then COVID happened, changed my life, started getting invested into mentorship, spent over hundreds of thousands of dollars in mentorship, right? And the information we spending we giving right now, it's a lot of information that we just spent thousands of dollars for, right? So, that and then from going from shelter to shelter, my mom got seven kids, just hopping from shelter to shelter, man. You know what I'm saying? And it's just just having a hard life, you know, not wanting to go back from that. Every time I think about that, I reflect on it, I'm like, "Damn, man, I can't go back for that." You know what I mean? So, it's like me giving this advice is is motivating me to give this type of advice because as long as it changes one person's situation, and it motivates one person to say, "You know what? I don't want my family to struggle through that. I don't want my family no longer struggle, or I don't want my family to ever go through that. I want to give my family the best life as possible. I want to be able to travel the world with my family instead of relying on a job that's going to tell me when to clock out, when to take vacation. I want to live the best life I want to live. That's why we do that for our mentees. All of our members in our program, we want to make sure that they able to change their life. They able to live the best life that they could possibly live cuz even last last I just came came back to the US like what? Uh 2 weeks ago, but I was in Africa working. This This gives us an opportunity to work wherever the hell we want. I was in Africa work for a whole month. Last year for 3 months I was in Africa, but guess what? Business still operated. I was still able to take care of my family. I was able to fly my wife. I was able to fly my daughter to Africa and still live life. But, that's the type of things we want people to live. We want people to live life. We don't want people to wait until they 70s or 80s to start dying to start being on the beach with their saggy chest. We want you to start being on the beach now, right? Why should you wait until the retirement age when the retirement age is getting much older to start living the life you want to live. This is the time now. COVID don't change the game where so many entrepreneurs are being made. This is the time that people need to take action. They need to change their life because we changed our life and it can happen to anybody. Anybody can change their life. They just got to be willing to change their life, man. And that's basically what it is, man. It's free. That's the thing about it, Kev. We really giving back. Like we doing this for free. Like we giving information for free cuz a lot of times we know that people may not have it. They may say, "You know what? It may be a scam if I drop some money." But, what if we told you it's free to join? It's free to join and free to change your life cuz the information we going to be giving you guys that day, y'all can take it and then run actionable steps. Y'all can run a business from it cuz we giving everything. We couldn't give everything today because we're you know, we got to we got to hour segment. The information we going to give if we was to give it out, it's going to take days and days. It's going to take so much so much time, right? Cuz this is some things that we've been doing for a while. So, we going to be giving to the people for free, Kev. We going to give it to them for free. All they got to do is show up. Make sure they show up. They got to lock in. Put it on their schedule. And that's all we want from the people cuz at the end of the day, me and Jay is good. We good. But, it's our way of giving back. You're only as good as the others that you help make successful, right? So, for us right now it's all about giving back to the people so that they can change their life how we changed our lives as well. That's it, man. All right, bro. Yeah. That was crazy We can bring We can bring you to Man, Kev. We can give We can bring you to the water, but we can't make you drink. Yeah. >> We can give you a hand out, but we won't. We want to give you a hand up. So, we giving people a hand up to show them exactly the route that we took to get to our destination. Because if I gave you right now with GPS and I gave you a map right now and I told you which one would you rather? You know, the old school map back in the days you look at it like, "Where am I going?" If I gave you a GPS and I gave you a map, you rather you would rather take the GPS cuz the GPS would tell you exactly how to get from point A to point B and exactly how much time it's going to take you to get. That's exactly what we we do for our mentors uh mentees and that's exactly what we going to do do for the people for free, man. For free. >> Wow. All the information going to be in the description, man. Make sure y'all follow these fellas, man. They gave a lot of free game. Man, I'm talking about probably one of the best podcasts, man. We appreciate it. >> Man, y'all dropped some real sauce, man. And I know a lot of people going to love on it. Famous and wealthy, man. We out. Get it.