MAKE A FORTUNE TURNING CREDIT INTO CASH WITH HIM 500

people, but I was calm, it wasn't like a commercialized company, so now it's gone public and I'm working on it. and I started bringing it, so now I'm doing well, this is my business. I'm making money with it. Now I have good

credit

. Well, what are the benefits and advantages of this country? Yeah, that's it and then at that point, that's when I started taking advantage of it. like learning about rewards, how to get

credit

cards, how to start accumulating credit cards and things like that, so, well, let's get into it, let's get into the nitty-gritty of what everyone wants to do.

I know this information, so I have questions. I know Troy has some questions, but one thing we haven't talked about yet at Alicia and a lot of people have always asked us to cover it and they always ask questions about it. They are commercial lines, so I'm going to ask you a couple of questions about commercial lines, but first, for people who may not have even heard of a commercial line, I don't even know what that is. What is a commercial line? So a trade line is essentially a count on your credit report, so a trade line is any account on your credit report that reports on your credit, so a vehicle, the vehicle, the history of the vehicle since you open it until you close it, um, that's a business line. on your credit report so with any accounts that are reflected and shown on your credit report okay this is like a trick where you can add people to a business line to add people to your card as an authorized user , so now what?

What happens is this when it comes to authorized users and yes, there are a lot of details that you have to understand and like different applications when you are applying and you know how to get different things and the benefits of them, but essentially what it is. that if I have a credit card and I have 10 slots available, I can add it to my credit card as an authorized user and this is an authorized user business line if I add it as an authorized user and I have 10 slots available. I charge you 650, well, 650 times 10, that's 6,500. I'll only leave you in my car for 60 days.

I never give you access. I set up my account in a way that you can't compromise me. Now I earn 6,500. Every 60 days free on the credit card at the end of the year, I earn 40,000 for having a credit card, never going into debt, never using or spending money from the bank and that is to help other people build their credit rights, that helps other people build and establish because it's about data points on the credit report, how many positive accounts you have, what your credit card utilization is, all of these things are taken into account when applying and leveraging and using your credit, so when those things come into play, authorized users hit so many points because it gives you accounts, it gives you age history, it gives you utilization, so when your utilization, everything is good on your credit card, All of these things are reflected on your credit report from a person who purchases from the authorized user, so if I am the person who is the authorized user, do I get a card or do I not get a card?

I don't get a card, look because when this is crazy, my credit history goes back 35 years, right? I'm 38. But my mom put an American Express card in my name, so my credit, technically I'm an authorized user, so in a sense that was a line of business that she made for me, so she gave you a card in her counts, right? What happened is if she gave you a card on her account that made you the authorized user and that's what started building your history but look what American Express doesn't report on history it only reports going forward , so all the time. you had that card and she opened that account, it's been building up on your credit, so let me ask you this, thank you mom, because thank your mom, thank you mom, we have a big audience in the prisons and uh, the federal prison, the state prisons, it is a very interesting dynamic. um, I have a lot of friends, family and they always inform me and say that eyl is big in prison, so first of all, a shout out to all the guys in prison, hold your head.

Shut your head and all the re

turning

citizens, so you were giving us a game about information for that right as to the core logic for criminals and things of that nature, yes, yes, so no, that's a completely bar different for everyone, like listen, um, I come. out of the community, um, so I've been a victim of all sides of the prison, right, pop gone for life, uncle gone, so family members, all the friends I grew up with , originally from my neighborhood, have gone down that path and I tell people that. The whole time is that those are some of the people that come home from prison and trying to rehabilitate might be the hardest thing, like trying to get back into the community and it's like all the doors are closing in your face, like that. that what I tell people is what I thought. out um was the core logic just this is with credit learning from the back offices like most people don't know that the back offices are what um are some of the companies that verify your data so you have companies like innovis corelogix um lexus nexus sage stream uh Ars these are all companies that host secondary data when it comes to your credit so they are just companies that provide data so when you dispute something many times they are those who verify well.

I found out that Corelogic was the one who verified evictions and convictions at the time when I realized that corelogic is the company that verifies evictions and convictions. I knew I said, listen, you want to tell me I can fix someone's credit, but they still get denied if I opt out of judicial logic. if you were evicted you can still get approved if you got a conviction you can get approved because I never gave them permission to share that data and that information so now when you go looking for an apartment write to someone who is in a position from Listen well, I can help people get apartments, so if you understand how to clean up your credit and opt out of the secondary agencies, you can opt out of the core logics, now you can get approved for an apartment because that's a big thing that stops people from getting. apartments is yes, essentially like this, I analyze the entire plan, this is what you're going to do, you're going to opt out and delete your corelogix uh lexus nexus, let's say stream ars interface, you're going to delete all of those once you delete them , you will force the credit bureaus to do an investigation with a 609 letter, so you will use a 609 dispute letter when you send that 609 dispute letter and it will

make

them verify that this account is accurate and verify that it belongs to you now, since they have no one to verify the accuracy with, now they will have to do some research, most likely most of the things, 60 to 70 times, 60 to 70 of the negative items will be removed because you already removed the company intermediary that is verifying everything, so now once you do that, when you go to apply for apartments, now you can go and apply and if you ever get evicted, it won't show up because you suppress the core logic and if you have a felony in your background, it will not appear because you have deleted the corelogic company, but how do you delete it?

Yes, yes, what is the duration of the suppression? That happens, so basically what you do is you freeze the report and opt out of the repository, uh, it shows up and they do that indefinitely until you opt out again, so you want, call them and say I want to opt out, yeah, so I can call them. You can call or you can do it online so if you want. google uh like lexisnexis opt out, you can Google it and a popup will appear that will take you to the forum to opt out of that report. Good to Know.

Did you know Troy? I didn't know that I didn't know. I feel like there will be many things today that we will all learn together. People don't understand. Listen. In the community, that's one of the dumb things. I tell people. Listen, that's a business in itself. We don't know about the secondary offices. Do you want to tell me that I say listen? Do you want to tell me that there are companies that

make

all this information? I say, well, listen, a Corelogic company gives us a complete business model because if I opt out, now I can help people clean up their credit, that's a service, now I can help you get an apartment, that's it. one service, I can combine it if I want, but listen, I help you get an apartment now, what else can I do if I know I'm helping people get condos?

Listen. I'll find the newest building that's not fully occupied and send people there long after three or four people say he 500 sent me here to get an apartment, they'll get familiar and wonder. which is at 500 and then I show up with gift cards and trinkets and nice things and build the relationship and say, hey, listen, now what I do is I'm an apartment specialist, I just help people find apartments and get into apartments. the city, especially the new ones. condos, things like this and just make sure they can get approved when they come, my people have been approved, yeah, great, boom, nice to meet you, set this up, establish the relationship, guess what happens now.

I get a referral fee from the leasing agent now. I send it directly to the leasing agent. She will want to get paid for getting people to rent. Well, guess what now I get paid to help people get their apartment lease? He's already been paid four times, that's three times three times me. The client paid me to help them with her credit. Yes, they paid me to help them get the apartment, making sure everything was approved. Make sure they get approval. I then receive the referral fee from the leasing agent. Okay, now I'm pretty responsible. for helping everyone get apartments in the city, I become penthouse poppy, imagine the right trademark, although yeah, sure, listen, yeah, commercial market, so I become penthouse poppy, so now I'm in front of everyone Fly buildings, right?

Against all the fly buildings, I'm into penthouses and condos, but what's most important when it comes to furniture in these condos? Now many people overlook it and don't realize that furniture has one of the highest profit margins. the profit margin is ridiculous so I go to one of the furniture stores the mom and pop furniture stores in the area guess what they do they finance you could finance you can finance furniture it's true so now guess what I go and I build a relationship, listen what. Do you need to get ten thousand dollars worth of furniture right?

I need an approval for ten thousand dollars. Let me see what that credit report should look like. What should this approval process look like now than when I get the apartments I'm going to send? You go to the local furniture store to now even get the furniture. I'm not going to charge you for that. No, I have the relationship. I'm going to charge the furniture store. Hey, listen, the profit margin is crazy. You'll probably sell it for ten thousand. They are worth 2500 worth of furniture, maybe four. I need a referral fee of 750 for each client. I sent it here, but when I come in, you go and introduce yourself, you listen, you put on makeup, I'm an apartment specialist, right?

I specialize in I'm an occupation. Specialist, I specialize in getting all apartments in the area either fully occupied or above 95 percent occupancy. You're going to be confused, I don't know what that is, but he gets apartments for people. I have a list of people who need furniture. than an interior decorator for you, yes, of course, yes, I do interior decoration, so now I get paid. Now I'm just helping you get the apartment. I'm getting paid to get you the apartment from the leasing agent and I'm here with the furniture guy. and get a kick in the rear because I'm going to tell you, hey, listen, your credit is together, you can go here and get ten thousand pieces of furniture, now your condo is furnished and now you just got paid four times, now you get paid four times. that's penthouse poppy, that's a business for anyone listening, no matter what your background is, it doesn't matter, it all started when you just suppressed one thing so someone could get approved, literally, that's realistic.

I used to run that company and that's it. where it started from, that's literally how that business started, you know, Derek Grace, yeah, I don't know him personally, but I see him online, uh, that's our guy, good friend of ours, ocular alumni, what's up? It's the fourth quarter, it's a new month. and what better way to start than to join us at eyl university. Yes, the fourth quarter is where star players make a name for themselves, so come and join the number one roster. The uil university is the largest business platform we have in the universe. 70 classes passed, weekly classes, we have a private investment group on Facebookwhich gives you access to our movie club, our book club, we also have bi-weekly real estate calls with mg, the mortgage guy, and monthly financial advice calls, with yours truly no less. head over to eyl university right now and enter promo code eyl to get 40 off our annual membership, that's right, don't wait, don't hesitate, head on over, see you on the other side, let's do it, posted, I mean, He published a post of yours and uh he said: I don't know brother, but it's dangerous, you know, I'm going to tell you, I'll tell you well.

I look at brother's post and and I and I look and I'll be like he, we, do different things, okay, but I say I, he, he gives up like he doesn't, he's not limiting anything, he says like even you know , look, I don't care, I'm wearing diamonds, but you know, even with gold. game man as vicious brother, a lot of respect when he said that was real, although he actually caught my attention with that. I say no, this guy is a dangerous man, he's dangerous, he's a lot of information, he's the most important thing in the world, because it's like there are so many things that you can change your entire life, your entire generation, with just a few pieces. vital pieces of information, yes, that's all it takes and there are many of us here leading the way in delivering it. uh, and give the information to really see how people could change their life, like I just laid it out like we were on a public podcast and I just presented an entire business plan leveraging a single piece of information.

Before that, I get a blueprint, i hope you take notes like listen, i'm giving you, i gave you the blueprint, this is how you clean up your credit, i still use a 609 letter, familiarize yourself with companies like cfpb, they are the companies that regulate the credit bureaus. are things that we need to know information that we need and I'm looking now and I'm going we started looking and so many lives are changing because of the information yeah that's a lot let me ask you let me ask you another question um you have an Something interesting when you said than

turning

a liability into an asset and that really caught my attention because it's like you're saying we've been programmed for so long to think that everything is a liability at a certain level, so it's not an asset, traditional assets.

Like cars for example, right, it's like it doesn't matter, we made a video on how to put your car in your company name and take the deduction and all that, a lot of people were like that's cool, I didn't know anything, but then there were always some skeptics who say, well, it's still a liability, you're still wasting money on it, but you broke something and that was a little crazy. It caught my attention how you can make money with the car, like posting ads and touring. Can? let's talk about that a little bit yeah so when it comes down to it one of the things is look and it's blunt and it probably rubbed people the wrong way that cars are passive right it's a century mentality XIX, remember that was in the 90s. and in the 80s that mentality exists, now it is not relevant, only the people for whom that is relevant are people who do not acquire new information and do not keep up with the systems correctly because there is no way you can look at a vehicle unless I just don't have the information.

I have friends who make six figures from vehicles. There's no way you're going to tell me that's a responsibility. It is a responsibility if we do not use the right. So I started telling people, I said, "Listen." I want, you want to learn, okay, let's take a car like a smart car, right, I went and found the smallest car, the smallest car that nobody wants, I am when I tell you, the smart car for two, listen to me, okay, guys. I didn't think it was yours when I saw it well, I did it, I saw you drive it, I said yes, of course, and I said yes, of course, and I said I put music on it and everything has to be.

The funny thing is that I bought a smart car and then not only so I bought a smart car I tell people listen let me explain something to you I have the smart car and this is what I show people I also tell them look you can go to a cop trade and literally do a lease takeover don't put any money out of your pocket get a car that costs 200 a month this vehicle costs 200 a month now what happens next since this vehicle costs 200 a month I tell you listen earn your free time, I have a car that is going to be in metro Atlanta 12 hours a day it will probably be exposed to about 20-30,000 people a month.

Give me 200 dollars. I want to earn your free time on the left side of promoting your company. It's something that interests you. It'll be fine with 200, we'll do it so lights, right, that's right, light, okay, guess what. I'm going to get someone else to put their business on the right side. I'm going to get another business to put their business in the back. of the door on the back of the vehicle now I make 600 dollars with a liability of 200 and then I say well how are you going to keep it in Metro Atlanta for 12 hours a day, you will drive it, no, I will hire someone to drive it.

So now I'm fine, I'll rent the car to someone who wants to drive for ubereats grubhub doordash one of the grocery delivery services look give me 150 a week you don't pay gas or insurance you give me 150 a week and you use the vehicle now I have and you use the car six hours a day you have options you have access to six hours a day seven days a week that's one person I make two people so now it's 12 hours it's 12 hours shift in the day, it's two people who pay me 150 . 150 a week, that's three hundred dollars, twelve hundred dollars a month, so now I make twelve hundred dollars a month from the drivers, six hundred for the ad, that's eighteen hundred dollars a month, 1600 of that. profit I'm making a 1600 profit on a vehicle they said was a liability if I have two cars it's 3200 more every month until the month well

cash

on me it's like it's one of the best things I have.

I have heard you say that human mentality is the only responsibility and now you earn 3200 imagine this, what is your background? What do you need to obtain a degree? That's thirty two hundred dollars a month paying for a vehicle now if you really get tough. What you understand is that then you're good, there are other cars out there and you can look up their attacking websites and say, "Hey, look, these cars do better on tour." You can literally get one of those cards and then have it pay for your other ones or you just use it as income, come home and say, "I built up my credit but I don't know what to do with it." How can I convert my credit into

cash

?

That is one of the credit to cash strategies. It's actually learning how to run and learning systems. I want to talk about something that was a big game that you're known for and that is turning credit into cash for most people when we think about credit cards and how we get cash from them. It's like if we get a cash advance then we can withdraw money from it, yes, but your strategy doesn't have a cash advance and it's still liquidating. Can you break it down so it's a little bit different, like it's a bunch of different shapes? when it comes to converting credit to cash and I tell people something you never want to do, if you were to withdraw money during the cash advance, they will charge you more and they will charge you additional fees and a higher percentage, so I tell you I tell people to stay away from cash advances, but I do things like they're just ways to generate cash, especially since my mindset is entrepreneurial at all times, so I tell people to do things like they know what cards of credit to use. to do certain things, for example, if I go and run ads correctly, I can run ads and when I run ads I can run ads and generate income, but if I wanted to make money like what you just said, something like you.

I just said how to try to get money out without paying a cash advance fee. One of the things we used to do for fun is like I go on a cruise and because when I go on a cruise, guess what happens on the cruise? is that they give you the room key with the debit card, so when I go on a cruise and I use the room key, I just go to the casino and I get 20 30,000 chips, I get a cashier's check and I go to home, I just took my money out. on my credit card and I got rewards points because I was on a cruise so since you're on a cruise you get five points per dollar so since I'm on a cruise I get five points per dollar I literally got tokens with the key to the room I could max out all the cards I wanted and go home with the cashier's check if I needed to use it to invest whatever I needed and I still racked up the rewards points so if I need to go buy a house I can literally go on a cruise three days for 200 dollars, take out 50,000, come home with cashier's checks and make my investment, but you saw, that guy is dangerous, so when you take the, I know Joe, so when you take the 20, you are paying the 20 but you are redeeming the reward points that come with spending that amount of money, you get to keep the reward points, those are the advantages and benefits of having credit, and that is one of the main advantages and benefits of having credit, I tell people. is that credit cards versus debit cards is that you spend your cash and you don't get anything in return, you don't get big interest for leaving it in the bank, but how do we actually use the bank to benefit ourselves?

What do we get from the bank likes and one of the things is that the reason they incentivized was the rewards points, but a lot of people in our community don't have that information and they don't know how to use the incentives that they give us, not even we do the research. research is like I feel like that's like the fine line like nobody's reading the fine line like you get this I mean the most we look at is like we can get airline rewards or airport rewards and hotel rewards, but there are many other things like that, you can use this for yourself, listen well, is that one of the key things is this, today you know that I am recession proof, right?, but I am an advocate for my community, I am defending .

Where I come from, some people will be like they always ignore them. We shouldn't wear designer clothes. We shouldn't do this and that. made of natural products, not cotton, I like to wear nice clothes, Louis Vuitton, Fendi, right now, some of my favorite diors, but I know everyone, a lot of people in the community, this is what they are looking for, these are the things that they want to use. because it gives status, it's a kind of feeling of status and I'll take it for a dollar, it's a feeling of status that people want something that costs more, something that is extra added and that separates it, we have people growing up with that and children who don't know how to get it without doing something illegal so they keep selling drugs and robbing people to buy designer clothes because no one told them hey you can be an entrepreneur and learn business or you can. take advantage of the credit and get it for free, so what I did was this, I started going, no, I don't want to spend my money on things, I'm cheap right, I don't really like to spend my money, so when I get designer clothes, I get it for free, I'm not going to spend any cash, so in order to get designer clothes, I mean, listen, I can accumulate my rewards points and then redeem the transaction, so when I go, I go, I go.

For Louis Vuitton I spent six grand, like 6,500 on Louis Vuitton and I literally redeemed my rewards points to cover how you get rewards points. People don't know what the benefits of a credit card are, like you said, just your gold American Express card. it gives you four to five points per dollar four to five points per dollar for every dollar you spend on posting ads, so you want to tell me that you're going to encourage me to make money with your money, here's a hundred thousand credit card dollars, run and spin it. Post ads to market your business and get in front of people and I will give you rewards for using my money.

I published a hundred thousand ads in all the ads made. I had a million dollars a month in the back, they gave me 7,500. Can we? Don't let that slip past everyone's eyes, we're just going to be faster, I mean, congratulations on that, I appreciate it, I appreciate it, um, but that's, even with that, I'm going to stay on that in power. and and no one can say that they are not feeding a black doll, because that is the black doll, these are things that are in the services and, um, the community that I built for our community, so this is our money that circulates within of our community, but literally, this is the point. that the information I literally got out of my Amex Gold I spent a hundred thousand, I got a million back and then I got about 9000 rewards points so I redeemed it and went shopping at Louie's, I spent 6000.

So when are you redeeming it? Will you receive a gift card to the store? Will you receive a saxophone card or how does it work? No, I literally went shopping. Swipe my card when I go shopping and swipe the card. I literally enter and you can enter the reward. placeback, you have companies like Barclays um a Lion BFA, they do their underwriting on the front, so if someone likes it most of the time, when you get approval from Barclays, it can take you 48 hours and it takes you 48 hours because it They are doing. the subscription in the front that they are going to review, they can hit you and ask for income verification documents, improve your income, they can hit you with that, whoever will chase you will hit you with a gentle tug later, let the utilization of your credit card begin. credit. it gets out of control like if you use this credit card hard they will hit you with a soft pull when they do a soft pull if your credit score has gone down it has derogatory marks your utilization is out of control they don't cut your limits american express They'll come and say, well, you put 150,000 on your application, they'll come a year later, ask for income verification, ask if they should file your tax returns, and say, well, you only made forty thousand portions of your limits, find out ago. the same thing, all this is what helps us next is the information that we need to understand when it comes to accumulating credit cards, so when you say how to get multiple credit cards at once, you need to watch and learn. the rules on what credit cards can I apply for get multiple cards at once from a bank in one query literally stack them all together and do it at the same time so that's the real key to that pending fire yeah so let's talk recession proof right because at some point it's like you're learning all this stuff, you're learning this information and it's changing your life.

I guess it's changing your family's life. At what point do you turn that into changing and educating other people? Listen with that part um, that was never my goal, right, I'm honest, that was never my goal, my goal was never to help other people, it was a secret, do you understand everything? My family thought I was selling drugs, like I always see people do. people think all these guys are selling information online that's how they make money they're not really doing it I tell people to check the facts I have a Bentley truck before I help anyone did I ever get it right the boxcars before my house investment properties.

I helped before because I had the game, but you wouldn't know it, it's how we feel, we know something, something we don't tell people, you have secrets and things you know, it's like me, no, I know how we got to the podcast number. one that we know, I'm not telling you right, you're not coming, I'm not going to tell you, you have to run, so you have to find out yourself, Eric Thomas, Eric Thomas, uh, I was on Masters of the Game and Eric Thomas said that. If you know something that can help another man change the trajectory of his family in the future and you don't share that information, you're selfish and that stuck with me for a while because I was still thinking, yeah, that sounds good, yeah, sure, but he stayed. on me for a while, um, but there came a point where where I was, what's the impact that you're really going to want to have now that you're making money?

I had my daughter and then I started to really see that when I was born, my mother was homeless we lived in a shelter from the door when I had my daughter she came to a house that I had and I think and I look and I go there are so many people that need this I'm going to make a mistake if I don't share it right, everything I created was for me so I started sharing it with people, that's when the recession test started and that's when I created a community, but I didn't create like a program, I literally created a family so all I need to go out and do things right like events we've had we all came to the event the recession test was official flying on private jets guess what happened my trainees fly on private jets you are part of it we have family we operate on the same level so they flew on private jets we got all the exotic vehicles they drive good vehicles they drive good cars the whole event was free so what happens is they're not just learning to be financially literate, but they also learn how. to run and scale businesses, so now I'm teaching them everything they need to know about credit, but then I'm creating leaders because that's what I did for my community, how can I get it?

I was like me, I need at least 10 Another 15 people doing this. I never expected it to be hundreds, but thousands of people would do it. I need to help my community. I need to help my community and there are still people who don't know who I am or that I exist, but there are thousands of us helping our community, so when we access these platforms, this is the point of growth: we need more leaders in our community, We need more financially savvy people to bring this back, not everyone will have the tenacity and say, "I want to fish for myself, but for those who do, those are the people we need to stand up for us in the community, who need to take it home and be that for their family, they need to be there for the people around them, that resource for them to come and get this information because if they watch this podcast or listen to it, how many people do you know that don't listen to it and didn't get this information, that's my period, it's like when you look at recession proof.

My whole goal is to create leaders in the community when it comes to financial literacy, when it comes to business, when it comes to growing and scaling and just being leaders everywhere. , not just with financial literacy, but if you see, we did a takeaway, remember we did the Kroger acquisition, we closed it, it went viral a little bit, I was awesome, big time, viral, that was big, oh yeah , I forgot that greeting to that, that was, yeah, that was really cool if anyone wasn't familiar. Guys, they went to Kroger in Atlanta and I think twenty thousand dollars forty thousand forty thousand dollars for families before Thanksgiving so that they can, you know, not have to worry about that bill and, you know, buy groceries, so yeah, everyone did the Free gas also did the free gas.

The crazy thing is we did the gas before, before the kroger, before the show, we almost went to do another gas station, but instead it was like, we decided to go do the kroger, we went into the kroger, we tried to do. gift cards and we realized it wasn't going to work and we just said open the lines everyone was running that's why the receipts were so long we just let the line go everyone ran running the grocery store they were missing two days until thanksgiving, um. everyone ran and we took care of it, me and everyone else, a bunch of businessmen, we all got together and collectively we did it together, we did a collective amount of 40,000, but what I want to say is that, as a leader in the community and the leader of a similar recession test, my apprentices turned around a few days ago, the day before yesterday they yelled at the bees for fixing that, um, my guy went out, they went out together and pooled their money, my apprentices and they went and closed an All Walmart for uh like kind of a foster care company, not foster care, but like a shelter company that takes in families and helps them rebuild it and they pretty much closed down and bought up all of Walmart now one of the trainees um had a truck, went and learned how to leverage his credit, started his own trucking company, literally brought his truck to Florida, the trainees fly out, it's recession proof t-shirts and the news cameras shut down Walmart and do some payback. nothing to do with me, guess what the name was that represented it when they said who did it, such a test they said recession proof network and I say, this just shows the selflessness of the community we built and that's why it was like me, this is different um so it's really a fan so in the recession test you actually also teach people different steps like everything because I'm realizing that even I myself had to be educated because, like you.

He said that a lot of people, everyone, a lot of people have courses and things of that nature and educational platforms and things like that, and it's like I'm realizing that you can only learn a lot from YouTube, yeah, or even from a pocket like our podcast, I think it's the best time, um, and you can, there's a lot of information that you can act on alone, but then some people want to, it's like you know some people want to go further with their education, so what? what are you doing? I actually teach on that what are some of the subjects that you actually teach in um in the community in the community um my main topic that I teach is how to start a credit repair business how to scale it how to grow it how to automate it so you don't have to be you who do it.

Everyone needs a solid financial foundation. Teach people how to be that person. Everyone understands it. Everyone needs it. So now you can be that foundation. I teach people how to execute. a commercial line business, that way you will know how to convert something that is in your wallet into cash, something that you already have, how to convert that into cash flow, literally, how to start, manage and scale the commercial line business. I teach people how. To start and help people get financing, which means you're going to go if people don't want to learn how to do it themselves, then well, then you help them times 10, so now you have your own financing business, so I teach you all the mastery tricks you can learn. about credit cards which credit cards to use to post ads which ones are for free hotels and whatever how to master your credit cards um how to travel for free teach them about private jets I teach them how to get luxury cars so you don't pay well for them because the point is, even when I told you about rewards points before, I can earn on a 6500 shopping spree, but that's because I'm established before I'm established, you don't spend 6500 on clothes. you spend 6500 on bills so you don't pay your groceries you don't pay your utilities you don't pay your mortgage you don't pay your insurance you don't pay your netflix you use rewards points so you have zero overhead while your business grows so these are all things that I teach, but then I realized that like you said, you can only, I can only teach to a certain point and when you say you have a family, you can't.

Go and say, well, imagine a parent saying, my kids don't just know what I know, I'm only going to teach them what I know and all I did was learn financial literacy when I know I have siblings here like Alex Good. energy that ran in and got people making six figures and trucking, so I say, I need you to come and train my people in trucking. I have people like Wall Street Trapper who don't own stocks and kill it and I started saying I need you to come and give them an introduction to stocks I have people like Justin Owens with forex I have confidence in how you really know how to minimize taxes to where you can defer them and You know that I can close a year making millions and pay the same amount that Trump paid well, how? we protect ourselves asset protection all these things come in because they are things we needed Facebook ads how do we run Facebook ads?

How do we scale a business? How to post on social networks? I brought people to teach us everything we need. know in today's society and I gave them an e-book to sell so that they would have a digital product in case you didn't have anything else. You are an author. I also help you become an author. Now that you're an author, what happens? is that if you don't have anything else you can go and repeat my content, what I said on eyl, you're going to post it for people who didn't see it and say, well, I have a DIY credits ebook that hen500 told me he taught me I set up click funnels, it told me how to run ads.

I'm running ads on this video, I'm selling this digital product and I still have another business and when you go on the book tour, don't forget the event space, yeah, yeah, oh yeah. I thought about it from look, my brother Nehemiah Davis Neo, shout out to Neo, shout out to the brother and, as fate would have it, because, like when we know, we take our time because it's like we have to be responsible for who we bring to the platform and you. You know, you know, we're trying to see if we know anyone yet, so we were looking and it just so happened that someone we grew up with actually bought in and became part of the community and said he actually made money and he's in his first month. , you know, here in October, somewhere, yeah, yeah, you're probably a fan, yeah, you sure won 30,000, so I'm not saying that's going to happen to every person, but we know him personally and we're doing our Due diligence, like I said.

It just so happened that we knew someone who was from our neighborhood and yeah, it turns out he's heavy, so you know, you never know, what's crazy is that 30,000 the first month, that's amazing and double cheers, come on to speak off camera. but that is the goal for 2021, my goal is for you to know that I have helped make three people millionaires throughout my program, now I have three millionaires and I have 60 people who have been able to leave their jobs and this year the reason why that I put everything now like why would you bring event space andall these different things why you put all this together I said listen my goal is I don't want to make a hundred millionaires in 2021 so my goal is to be able to go back to the community and in 2021 I want to help create 100 millionaires with that kind of goal we have a 100 millionaire challenge, I said, listen, people don't understand it, you know, making 100 millionaires, I'm telling you, that's a big number. million dollars a big number I said listen I made a million dollars in 30 days if you can act at one tenth of me you will be millionaires all you need to do is act at a champion of what I do and if you fail and lose and win twenty percent, they take three hundred and four hundred thousand a year, hell, we're still successful, our community is much better, that's a fact, and one of the things with uil um, I feel like online education is a new university that everyone believes that I am. anti-college I'm not anti-college if you want to go I went to college he has a degree so you know unfortunately I would have to spend money for college but bro why are you doing that?

I'm just saying yeah, yeah, we'll talk about that later, but um, yeah, one thing you know is that people come, whether it's Alex, whether it's our brother, because she's from uh, oh, yeah, yeah, Philly. , everyone, um, a lot of people, you know, businessmen. we have different shows and different things from that nation, all we ask is that, you know, just show us some love and give us a discount for anyone who watches eyl um and of course, you know, like I said, yeah you invest in education, what you invest in education is up to you, if not, you know just learning from the podcast will change your life, but you know we did, that's like a rigorous, if you want to continue like you, we definitely encourage people to Do it. a discount and everyone nowadays credit has always forced it and uh marcus has been no different so 500 off um that's what marcus agreed to uh we're very grateful for that so it's 500 off the program um that on it's actually the lowest price on the market right now and he did something exclusively for us, he created a website rpxeyl.com, so no code needed, nothing needed, um, you can't get this price for the program recession proof anywhere else, it's the cheapest, it's anywhere right now for 500 off and um. just click on the link we will have it in this description of this YouTube video, we will have the description if you are listening on iTunes, Spotify, we will also have it on our website in the alumni tab or you can just go to the website directly r p x e y l dot com once again that's 500 off the recession proof program and that's special it's not even a discount or a code it's just a special situation that you made for eyl and um we really appreciate that brother, thanks, so if you are interested in joining the recession proof family once again.

The website is rpxeyl.com. No code needed. It is a special website set up with a special price that is 500 off and we are honored to have it as the lowest price. You have it anywhere in the world right now there is no other place you can get it for that price I appreciate it brother what do you have on the horizon? What are you working on? What would you like to say to people? How can they contact you? any last good word you want to give people one of the things I'm okay now you know what I like I still like to educate he mentioned something I want to say we ended up on this my name is him 500 um I'm a credit specialist and I teach people how to do it. credit leverage turns into cash he said he paid for college a lot of times we pay for college and we don't have any benefit from it, we don't make any money from it, so I tell people listen, they want to know one of the benefits. of having student loans if you keep them if you go to college and if you're in college right now if you keep your student loans in good shape what happens is your credit report should look a certain way there are data points that need to be addressed you need to have at least 10+ positive accounts you also want to increase the age of your credit report so we'll stop there you want two or three well you need two or three inquiries or less right you want a rate of use. less than nine percent your utilization rate less than nine everyone tells you thirty percent that's fine that doesn't have a negative effect but it's not at its optimal point it's at its optimal point when it's below nine percent between two and nine percent you also want to have a payment history of 100, but the key point is that you want to have more than 10 positive accounts and you want to establish the average age of at least four to five years on your credit report, no one gets a student loan, that was yesterday.

It was yesterday, everyone has student loans that are old. One thing about student loans too is that there is never just one, so you have multiple student loans. When you get to those data points, guess what you might not even use that title, but if you get those student loans the right way and keep them in deferments where you have a good payment history, it helps you with the total number of accounts on your credit report and helps you with the age of your credit report so that when you add a few more trade lines different types of trade lines are not only helpful when you add a few different trade lines and banking products to your report, it's easier for you get financing, so don't automatically think that I need to build up my credit.

I need to go and clean up these student loans. Student loans have a more positive effect than you think when it comes to acquiring funds and credit cards and things like that, when I hit 500 I'm the leading owner of recession-proof financial knowledge and that's Man, you know what finished as the champion. You know, I want to ask you something that I've never heard you talk about and it's like the backbone of your business. I want to talk about her 500 and her role in the business and that balance between troy I always actually got to the man because you know a married man is a married man and I know it's not easy to balance family life and work life and I know it's not It's easy when you know you have a lot of things they push you in different ways, but you know you're balancing it pretty well, you talk about their role, yeah, so, that's the path, the backbone, the partner, the punching bag, uh, everything, when I'm having a bad day, that's the person you meet.

The only person I can talk to about this is not only raising my kids, raising a family, raising me right out of the gate when we started this company, we started this together 100 percent, it's not a boom, we started the repair company of credit together so now she knows everything that's inside but she's been more behind the scenes look I was more so I'm on social media I talk she doesn't care she's a people person like real life like If I was hanging out with all my friends I'm on social media like I haven't been, I'm posting content, first viral video, we discussed, probably 10 minutes before to get it right, like holding the light right there, tilting the camera, you have the angle Wrong, look how you make me look, I look bad.

I don't argue well, everything we've been through, we've built together, um, and now one of the good things is that as I've built, we've been building the business infrastructure like she's bringing in my HR people, she is the one. who goes out and makes sure, like the accountants, and that everything is well integrated, she does all my integrations and now we have reached a point where we are going to be on autopilot and more active in the community. In fact, I brought her and told her. Well listen, it's a community of women seeking financial education. There are many powerful women in this family, but I have not been able to build up my women in the community and I, as a man, could never build up the women and say, "Leave me." Get a group for all of you and I'll set things up for you, so now we have a group for anyone who is in a recession-proof family.

Another newly added perk is Recession Proof Women, so now she will lead Recession Women. -proof of where they will do women's trips, they will have women come and talk to them. women accountability groups just for women just because men have more natural dominance there are more men than women but there are a lot of women there like the bosses snoop around there are a lot of powerful women there and I'm going to be fine let's form this recession-proof group of women and we'll shout 500 to her. That's when that's her sector that she's going to be able to run and just give back the things that she's been able to put on me and he'll be that for the other women in the group. .

One thing I wanted to ask you two and congratulations, I know you. oh, I appreciate that, so congratulations on that, I asked him, I talked to Alex about this, he said he was down, so I'll put you on the spot to see if you're interested, but I know, you guys did a great thing in Atlanta and We had a special event that we did. We scream to catch. He was in town. We yell at the mortgage guy. We shouted out to everyone who joined us. We were on wheels, accusation in the north of the city and more than 400 families obtained. turkey gift cards uh disneyland trip tv shout out to my man ken from dickman said he's never seen anything like it since the government cheese days like the live lion was literally like five blocks down so I say that to say you know, obviously, there's a lot of people in need these days all over the country, so maybe when Kovac clears up a little bit we can plan something really big to give back a house so we can come to Atlanta, everyone can come to New York , yeah, yeah I'm interested, not 100, I'm in, you want to know what it is, so what's crazy, is that word, word for my mother, um, without a doubt, we did the gas station giveaway the night we did the gas station giveaway, everyone announced that she was doing the lesbian thing.

I'm lying in bed with my wife. I called Neo and said: Neo, we're going to New York, I mean, e-y-l trapper, they have something to do with Dyckman tomorrow, we're going to New York. at his house and I went um Alex said he couldn't go he had to do something he couldn't take away Neal had to go get his daughter okay he was literally going to come I was like let's jump on the flight and let's come fly and we were going to appear here, I swear, it was going to appear. My thing is that I have to get involved in the community in every way, so I'm with that 100, yes, and after we did it, greetings. uh brandon, I see you with him at night, yeah, yeah, like me, bro, we gotta do it, we gotta do something big for New York, so yeah, it's like a competitive competition to do good and I think, as entrepreneurs, it's like you know we can, we can. um, it shows nice things and that's great, we have to encourage people that way, but I think we also have to encourage people, you know, whatever it is, because it can cost five dollars for someone to be able to smile, never You know how you can do what you do.

It can affect another person to do something good, as I now say, as if you could give away forty thousand dollars. Someone might not be in a position to do that, but they might be in a position to help a lady across the street by making a snowball, you know? What I'm saying is just give a kid two dollars and not even say keep the candy, I don't want the candy, just take two dollars, like I'm saying, so we need more of that because that's all we really need. we have is each one. another one you know and we have an amazing unit and it's great, you just mentioned Brandon um and it's crazy to be in New York seeing all the love, but it was another thing I wanted from New York, to be here seeing the love, I'm great . with New York, but you all have something here that's different from anywhere else, and that's it and Roc Nation, one of my goals was to sign a management agreement so that Roc Nation would actually manage my company and help take that. go to the next level and that's like being in New York too, feeling like I'm like when you broke it like so many people here, but we don't think about who manages the entrepreneurs and gives them that outlet, yeah, no one, no. -List that the company or the celebrities have really built education in the black community yet, uh, and it's crazy, not only is it powerful and impactful, we see that, but the money that circulates through the community is crazy , so now that's one of the things I don't do.

I don't know, it just so happens that we have it, we have the American Gangsta album, we have the black album, you know, yeah, that's fate, what happened, rock nation man, shout out to the good people , we have many friends, in fact, we have some people. there, shout out to everyone at Roc Nation, sure, yeah, good people there, people we know for sure, good people, okay, so how can people contact you? How is your management of your social networks? What is your website? All that information on him 500 on instagram him500 on youtube on it 500 everywhere on Twitter also extreme recession proof is the website to see the things I offer uh my program is extreme recession proof you can also visit me on Instagram on it 500 click the link from my biography or if you want more content and learn more about financial education, check out my page.

I have a ton of videos where I just teach and get information for free. Yes, shout out to Sherry. bryant um, president of the roc nation, who was a loyal supporter of ernestia, a good friend of ours, just, yeah, we warmed his seat, yeah, I sent my congratulations to Snow Allegra, hopefully, they sent it to her. Shout out to Sherry. Shout out to sherry, sure, Troy cleaning supplies, yeah, shout out to everyone at patreon.com, y'all know, that's how proud the paid show is, man, uh, it's grown, it's really interesting to see how it's grown with time and shout. for everyone who is at eyl university, you know patreon level 5 members, you have access to the number one online educational school which is eyel university, uh, and I thank everyone who is important to merchandising, it's going really well so I'm happy to see everyone out there, I need some people to start tagging when they use the merch store, man I like seeing that man, I love seeing people working out, I love it see people having it all while looking at the market. on Mondays or you're watching the podcast so keep making more of that man I'd love to see it yeah sure thank you all for rocking with us we appreciate you see you next week peace peace my graduates from my school . be forbes backdrop drop my backdrop