October 10, 2024 • 52 mins
What if you could turn your financial life around despite past mistakes and societal barriers? Join us as we chat with Nicole, a tenacious entrepreneur and credit repair specialist who transformed her life from facing credit challenges as a felon to becoming a beacon of financial empowerment. Her journey demonstrates the powerful impact of persistence, education, and adaptability, especially when it comes to managing credit from the comfort of home. We explore the liberties and opportunities that making money from home can afford, all while emphasizing the importance of consistency, honesty, and self-belief in the world of entrepreneurship.
Through Nicole's inspiring story, we delve into the transformative potential of effective credit management. Discover practical strategies on leveraging credit for personal and business growth, including tips on responsibly managing credit cards and reinvesting earnings into assets like real estate. We offer insights into using "other people's money" wisely and understanding the true value of credit scores, empowering you to seize control of your financial future. Whether it's overcoming credit hurdles or using secured cards to build credit, we provide a comprehensive guide to financial empowerment and asset building.
The entrepreneurial journey is riddled with obstacles, but with the right mindset and support system, success is within reach. We highlight the need for genuine, supportive relationships that foster both personal and professional growth. Learn why recognizing red flags in relationships and pushing past personal struggles is essential for wealth-building and financial literacy. Nicole's story of resilience and overcoming adversity is a testament to the power of belief and self-reliance, offering hope and practical advice for listeners ready to transform their lives and achieve their entrepreneurial dreams.
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Episode Transcript
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Speaker 1 (00:02):
Welcome to the Honor Pursuit Podcast, where we
connect with entrepreneurs,movers, shakers and business
owners who've built amazingthings on the pursuit of their
goals and dreams.
And I'm your host, brendan Boyd.
What's up y'all?
Welcome to another episode ofthe Honor Pursuit Podcast, where
we connect with six, seven,eight-figure entrepreneurs, and
(00:22):
today's episode is a treat forme.
We're in Miami right now.
It's a nice day outside, thisone pulled up with something
mean.
You know what I'm saying andwe're actually from the same
place which is cool.
We didn't meet there.
However, we did meet in a placewhere the environment was
proper, right Aligned.
(00:45):
The frequency was high.
Speaker 3 (00:46):
It was aligned.
Speaker 1 (00:47):
It was definitely aligned right and we share a
mentor.
Speaker 2 (00:51):
We do, we do right.
Speaker 1 (00:52):
One of the best, one of the best out there, and she
talks about how you can get tothe money but be at home, which
I think is important.
I mean, we're technically athome right now.
It's not my home, but it's ahome, somebody's house,
somebody's house.
But Nicole, I ask you, welcometo the podcast.
Thank you for the invite.
Speaker 3 (01:12):
What's up?
Glad to be here.
Thank you for the invite.
Speaker 1 (01:16):
So what are you doing here?
Speaker 3 (01:19):
I'm at home.
I stay in the house.
Speaker 1 (01:22):
Oh, so you just have someone else's house now.
Somebody's house, but I'm inthe house and one thing for sure
is I make money.
And what goes on in the house.
Speaker 3 (01:36):
Whatever I want, whatever I want to happen in the
house, it's comfortable.
We can be ugly at peace in thehouse out the way, right?
So make my money at home.
So I'm going to eight yearsstrong at home.
So I'm going eight years strong, god willing, and I'm thankful
for it, and my whole, my wholegoal, honestly, is to just
(01:56):
continue pushing the needle andteach the collective, whether
they take my advice or not.
My biggest takeaway is alwaysgoing to just be to educate the
collective that they can do thistoo.
It's just going to takeconsistency, right.
I think that's the biggestthing Consistency and honesty.
You're just going to believethat you can do it.
It doesn't have to be the way Ido it.
(02:16):
There's multiple ways that youcan do it, but you can
absolutely make money at homeand as an entrepreneur and it's
just.
It's just a blessing to be ablessing and for me to be a
vessel, to be able to be a voicefor the collective, to teach
them how to do it.
Speaker 1 (02:37):
I think it's just an amazing thing to do so you're
saying a lot of nice things here, like these sound.
This is very nice, soundscomforting, you know.
I mean sounds like a hallmarkcard.
But what are we?
I'm trying to put on my besthardware, bro but what are we?
Actually, what are we actuallydoing, how we get money at home
I mean there's multiple ways todo it.
Speaker 3 (02:55):
I personally, what with what happened with me was I
?
My niche is credit.
I, I have done credit.
I fixed my own after some jailtime I'm a felon.
And then, after that happened,with the trials and tribulations
(03:17):
of just being an adult right,you need a car, you need a place
to live the bare basics ofbeing just an adult I couldn't
get it.
I kept falling flat on my face.
I couldn't get it.
I kept falling flat on my face.
I couldn't get any of thosethings because of my credit.
So I started learning aboutcredit and a lot of people that
I was learning from 10 years ago.
This is way before TikTok, thisis way before there was a lot
of people on YouTube doing it.
(03:38):
I was learning about it and alittle bit on YouTube about it,
and a lot of people are loud andwrong.
So the information that Iattained about it, I thought I
learned enough to fix my own toget the apartments and the cars
that I needed to get myself byas an adult, and it wasn't
enough.
I thought what I had learnedwould get me to a place where I
(04:00):
could get those things, and itwas not.
It was not it.
So I started plugging andplaying, reading the books and
and I had started to figure outwhat I needed.
What I needed is not whateverybody needed.
So once I started figuring outwhat I specifically needed, I
was like, oh shit, like this isdifferent.
Like credit is I don't have touse my own money that I don't
(04:21):
even have.
I wasn't making enough, like Idon't think any of us are really
, if we're working out in this,out there, right.
So I'm like, oh shit, this isdifferent.
So I'm getting credit cards andI'm using them the right way
which there's a milliondifferent ways you can do that
Right, but I'm using them theright way to get a house, to get
a car or an apartment, and thenI'm just using different lines
(04:42):
of credit to get other cash,producing assets, and I'm doing
this from home, from my house,and I'm using those things to
make income from home, and I'vejust continued to do that.
I've had a credit repaircompany to help other people do
the same.
Now that I had a goodunderstanding of how credit
works, how to manage your credit, how to understand credit, I'm
(05:04):
helping other people do it.
I'm helping other people, otherentrepreneurs that have credit
uh that work with creditchallenge clients, right?
So solar credit repaircompanies, car salesmen, brokers
, real estate agents right, thelist can go on.
I'm helping those entrepreneurswith their clients that have
credit challenge uh clients.
I'm helping those clients withtheir clients that have credit
(05:24):
challenge clients.
I'm helping those clients withtheir credit and then sending
them back to those entrepreneurs, business owners, so now their
clients can, in turn, get theapprovals and the lines of
credit extended to them thatthey also need to do the same,
and that has grown my companyfrom.
It took me four years to figureit out, to make my first six
figures, and then in about 13,14 months, it went from six
(05:46):
figures to multiple sevenfigures, right.
So for the past four years now,I've been making multiple seven
figures since at home, andanybody can do this, it doesn't
have to be credit, it doesn'thave to be credit.
You can just literally be anentrepreneur from home and make
six, seven figures.
Whatever your passion is,whatever your niche is right, so
(06:08):
is your revenue stuff.
Speaker 1 (06:09):
If you're an entrepreneur and your revenue is
stuff, you don't need to fixyour products or services.
You need new audiences todiscover you more consistently.
Podcast guesting is the idealway to be discovered 24 hours a
day by your ideal clients.
And guess what?
The more people that know you,the more people can flow.
You Head over topodcastmasterypackcom and take
advantage of your first or nextpodcast.
(06:32):
Let's go.
I want to go back to the felonpart.
Speaker 3 (06:34):
Let's go back to the felon part.
Speaker 1 (06:35):
But how you end up as a felon.
Speaker 3 (06:38):
How I end up.
Okay, Boston.
Speaker 2 (06:41):
Okay.
Speaker 3 (06:42):
The top hip zeppy.
Speaker 2 (06:43):
Okay, the top hip zeppy.
Speaker 3 (06:44):
Okay, think about.
Think about that time we hadthe chirp chirp.
Okay, so think about that.
Speaker 1 (06:48):
You would chirp, chirp and you're leaving with
the chirp chirp.
Were you stealing chirps, wasshe?
Speaker 3 (06:52):
stealing chirps?
I wasn't stealing, I was usingit.
Speaker 2 (06:56):
You was going to bring it back.
Speaker 3 (06:57):
No, I was using it because I had clients that you
were Clients, that you were.
Selling things to on the street.
Speaker 1 (07:05):
So you were what we call.
Speaker 3 (07:10):
A street pharmacist.
I was very good at it because Iwasn't making enough money at
my job.
Right, they don't pay us enough.
They don't pay us livable wagesand if you're an honest worker
you're nine to five, there'snothing wrong with that.
But they don't pay us enough.
Okay, they weren't paying meenough at my job.
(07:31):
So some of my friends, who arevery nice people, still friends
with them today.
They're some of my biggestsupporters.
I saw what they were doing andthey were pushing weight.
I saw what they were doing andI was like put me on.
And they were like no, no, no,we're not good.
No, no, no.
I insisted.
I said let me have a little bitand see what I can do.
And very quickly I turned itover and they're like, wow, take
some more.
And I said, sure, Took somemore, Turned that over very
(07:55):
quickly.
I had my money, they had theirmoney, they gave me more product
.
I turned that product over.
It was going great.
It was going great and I gotmore greedy with it and I wanted
more and I was pushing, pushing, pushing.
I got caught up.
I got caught up and I think Ididn't get caught up because of
the, because of the drugs.
I got caught up because my car,my, I had a suspended license,
(08:18):
a stupid ass inspection stickerrequirement that Massachusetts
has Wait, so you was drivingdirty with my product.
I was driving dirty with theproduct.
Yes, that's like 101 like adumb and you had the money to
take care of it.
I did at the time.
Yeah, I did like a dumb ass um,that was just a lesson.
Speaker 1 (08:36):
That was just a lesson with a lesson dumb ass,
22 year old college dropout,didn't care.
Speaker 3 (08:42):
Arrogant, just a dumbass.
Just like I don't care, likeyou can't tell me shit, you know
, dumbass um yeah, I pulled over.
Speaker 1 (08:50):
Because of what?
The inspection?
Because my inspection sticker.
Speaker 3 (08:52):
So then they see my license is suspended and then
they see, oh, you don't evenhave insurance, so yeah my
dumbass is driving all the waydirty.
And and then, because I thinkI'm just a hot ass, hot shit,
stubborn.
I'm an aries, by the way, sothat will make a whole lot of
sense all right okay, I resistarrest well do you.
Yeah, I resist arrest.
They get they, uh, and and I'mfighting, screaming, scratching
(09:17):
all that and, uh, they pull the,they pull the canine out.
And then I was.
Speaker 1 (09:21):
I stopped because I don't want that I don't want
that part, so I stopped.
You don't want the dog.
I didn't want't want that.
I don't want that part, so Istopped.
You don't want the dog.
I didn't want the dog smoke.
You don't want the dog smoke.
Speaker 3 (09:29):
I've heard about the dog smoke I don't want the dog
smoke.
So they, you know, the knee inthe back, the face yeah, your
face was on concrete.
Speaker 1 (09:36):
Yeah, what side, left side, right side I think it was
the right.
Speaker 3 (09:39):
I don't know, I don't know.
One eye is bigger than theother.
From that?
Speaker 1 (09:42):
Oh, really, yeah, did you sue.
Speaker 3 (09:44):
No, you could have.
This was like in 2006 or 2007.
I don't know.
Speaker 1 (09:48):
You can probably go back and open that case up.
Speaker 3 (09:51):
I was just a dumbass.
Don't do any of that stuff.
Remember Dare?
Yeah, I was just a dumbass.
And then I yeah, they madejokes that my wrists were so
small they had to get the keyfor the handcuffs.
It was funny for them and Iended up just making a plea deal
and I did some time in MCI.
(10:12):
How?
Speaker 1 (10:12):
much time did you do?
Speaker 3 (10:13):
And I got out.
And then, when I got out, yourlife starts all over again.
Speaker 1 (10:17):
How much time did you do?
Speaker 3 (10:18):
How much time did I do?
I did a little over a year.
Speaker 1 (10:21):
Oh, okay, and you was locked up.
I was locked up.
And I was a good girl.
So was you reading that, and Igot out early you got out early.
Yep, it's crazy.
You never I got out early.
You don't know people's stories, it was the only charge I've
ever had.
Speaker 3 (10:34):
I've been good ever since.
I don't even have parkingtickets.
You just listen, but I'm afelon.
It's okay, happens to the bestof us yeah um, and I got out and
then, like I said, I couldn't,I couldn't, they don't help you.
They give you a bolognasandwich and send you on your
day, you know.
(10:54):
So I couldn't get anything likewho's gonna hire a felon?
Who's gonna give me a chance?
Who's who you know?
So I don't have any money, Idon't have anything.
I don't have supportive family,like on my mother's side, my
father's side, they'reabsolutely very supportive and
things like who you know.
So I don't have any money, Idon't have anything.
I don't have supportive family,like on my mother's side, my
father's side, they'reabsolutely very supportive and
things like that.
But, um, I was, I was a grownass adult, like, get your shit
together, you know.
(11:15):
And, um, I'm glad that I didn'thave that safety net because it
forced me to figure it out onmy own and I did.
And um, that's when I hadreally started learning about
credit and entrepreneurship.
Speaker 1 (11:27):
And look where we are now, failing in all so did you
when you were transitioning, Iguess, from being locked up to
looking for opportunities thatobviously weren't available.
Right um was credit that firstopportunity, that that you found
, or like how?
How did you end up?
Oh, not at all.
Speaker 3 (11:46):
I was applying for jobs at um hotels.
I got a job at a hospital aslike a janitor, so I was turning
rooms over and cleaning uhrooms and then they were like,
oh, we pulled your record.
I don't know why they didn't doit.
The interview process.
Speaker 2 (12:02):
Yeah.
Speaker 3 (12:03):
But after, like my, the 90 day probation period
comes when you're at a job.
That's when they're like wehave to let you go.
You're found what the fuck.
So that came and then and then,when I went to go, one of my
friends was like hey, cause Iwasn't making enough money to
get my own place or do anything.
One of my friends was like hey,there's a housing lottery.
(12:26):
If you put your name on theirspecific wait list for that
building, you might get calledand they go waste on your income
.
So I was like, cool, I put myname on that list.
They picked me.
I viewed the building, I viewedthe apartment and it was
beautiful.
Right, this was like years ago,so it was before all the luxury
buildings were really poppingup.
It was absolutely beautiful, itwas perfect.
I was like, yes, I'm about toget in up.
It was absolutely beautiful, itwas perfect.
I was like, yes, I'm about toget in.
(12:47):
A couple days later, all mypaperwork clears, everything
Fell in and all right, it'sbased on your income.
So I was like, there's noproblem here, everything's
perfect.
A couple days later, maybe aweek, they call me back we can't
approve you because of yourcredit.
Okay, so that still hurts tothis day.
Right, that still hurts me tothis day.
It was in Charlestown,beautiful.
Right the building across fromHaymarket, that one.
(13:09):
I'm about to buy that building.
I swear to God it still hurtsme to this day.
But yeah, they denied mebecause of my credit and that
was the one that was the onethat was like the pivotal moment
for me where credit really likeleft a bad taste in my mouth,
where I have a love-haterelationship with credit, Like I
hate that.
That's what it takes, because Icould have afforded that
(13:29):
apartment Even without theaffordable housing a lot of us
can afford.
if we live within our means, alot of us can afford the car and
the apartment or even the housethat we're applying for, but
they deny us because of ourcredit, because of our financial
report card.
But then I love credit becauseit can literally change our
lives, our family's lives, ourgrandkids' lives, everybody for
(13:49):
the better.
So I really do have a love-hateand that's why I love being a
vessel for the collective to belike listen, if you listen to me
or anybody that you can trustto learn how to manage your
credit the right way and thenuse it, you can literally change
your life.
You don't have to own a creditrepair company to do it.
You can literally just do ityourself and use your own credit
(14:11):
to do what I did.
You can have millions ofdollars without being a business
owner in the credit space tomake millions.
You just have the assets byusing your credit.
You don't have to be anentrepreneur.
If you have a nine to five orwhatever job, use your job to be
your first business partner tobuild your credit and use it to
make the assets, incomeproducing assets.
Speaker 1 (14:30):
So break that down real quick.
So you're talking about useyour job to be a business
partner.
Speaker 2 (14:35):
Your first business partner.
Speaker 1 (14:36):
So those that are working right now that have a
job have a nine to five.
How would they go about usingtheir job as their first
business?
Speaker 3 (14:42):
partner.
So what I would always tellthem, if their credit starts, it
doesn't start with like a sevenright, the sweet spot for
getting anything with creditapprovals, with credit, higher
lines of credit extended to them.
It's going to be about a 720,right.
The higher the better, lowerinterest, all that.
But if your credit is not atleast a 720, sometimes a 680.
So 680, 720 is going to be thesweet spot to start getting you
(15:07):
good lines of approval withlower interest rates.
So if your credit is not thereFICO, not Credit Karma, please
your job can be your firstbusiness partner.
So if you look at that and thenyou look at your utilization
across the board, if yourutilization is not below 30% 30%
is barely where you get in thegreen I'm going to say 10%.
(15:29):
So use your job to get yourtotal utilization below 10%,
right.
So do as much as you can or aslittle as you can, but pay all
your debts down.
So it's below that 10%, right.
And then take any open creditcards that you have, as long as
they don't have late payments,as long as, again, that
utilization is below 10%, useyour job, your paycheck,
whatever you can to make sureyou're paying by the statement
(15:52):
date, not the due date.
The statement date is going tobe before the due date.
So look at all your currentreport cards that you're paying.
Look at the statement date it'sgoing to be before the due date
and pay it on that day paying.
Look at the statement date it'sgoing to be before the due date
and pay it on that day and thencall every 91 days and ask for
a credit line increase every 91days from the due date or from
(16:12):
the statement date every 91 daysthat your card is just open
okay, gotcha right, so just calland ask for a credit line.
Yeah, just call, like, as longas you're paying it on time and
your utilization is at leastbelow 30.
But I'm gonna say 10, but atleast 30 if you long as you're
paying it on time and yourutilization is at least below 30
, but I'm going to say 10, butat least 30, if you're just
you're having a tough time.
Everyone's having a tough timeright now is we're in a
recession, right, inflation?
Call every 90 days, ask forcredit line increase.
(16:33):
Don't go crazy.
Don't ask for, like, an extra5,000, but ask for 2,000, 3,000,
you know, 500, 300.
So that's not only going tohelp your credit score it's also
going to give you more wiggleroom.
So you're using your job to helppay your utilization down,
right If you have high limitsand things like that high
balances so just use your job todo that.
(16:53):
Use your job to put money awayin savings and use it as a down
payment for something else.
It can be anything.
Really, like I said before, youdon't have to be an
entrepreneur to make millionsfrom home.
You don't have to be anentrepreneur to make millions
from home.
Yeah, you don't, but use yourcredit to do it.
So entrepreneurship is not foreveryone, but wealth is right.
(17:14):
Say that again entrepreneurshipisn't for everyone.
You right, we.
I think we can both agree Iwould agree but wealth is what's
up y'all?
Speaker 1 (17:24):
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Over the next five days theAudience Growth Challenge we're
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(17:47):
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and join as a VIP.
Let's get it.
I like how you said that,because there are some people
that obviously would feel likeentrepreneurship isn't for them.
Oh, and I could see it, you know, like entrepreneurs,
entrepreneurs yeah, and I couldsee that because, like you said,
there's people that want to orwant entrepreneurs right, but
(18:10):
they're not willing to do whatit may take, they're not willing
to take the punches.
Then you know they're notwilling to go.
There might be some days, someweeks, you ain't bringing no
money in or you're not willingto stay up those nights, you're
not willing to do one more callor what you know or learning
things.
If you need to learn and movethe needle before you can even
be in a position to bring peoplein or bring systems into
structure, whatever thesituation is Right.
But I do like how you mentionedthe wealth part because with
(18:33):
strategy and leveraging, likeyou said, credit, anyone can be
in that position without havingto be an entrepreneur 100%.
Speaker 3 (18:40):
Yeah.
Speaker 1 (18:41):
Yeah, yeah, so okay.
Okay, how are they actuallyleveraging credit to get access
right?
So you talked about RSC beingin that sweet spot getting 720.
Like I was just telling a fewof my friends recently to cut up
the debit cards right.
Speaker 3 (18:58):
Oh yeah.
Speaker 1 (18:59):
Yeah, cut up the debit cards.
Then also I was telling them toget a credit card because
someone didn't even have acredit card, right.
So for those that may bewatching or listening that may
be afraid of credit or they'vebeen programmed to, you know,
use a debit card, not use acredit card.
They haven't even opened acredit card because maybe
parents telling them, hey,credit is bad, whatever, like
(19:22):
how do you work getting overthat, that, um, that limiting
belief?
Speaker 3 (19:26):
I honestly think that happens to all of us, right,
like we are not taught that inschool, right?
We're just not taught creditand financial literacy at school
.
So it happens to all of us, sodon't feel bad if that's you.
And we are taught, evensubconsciously, by our
caregivers, our parents, aboutcredit either just by watching
(19:46):
them, and we don't even knowthat they're like over their
head in credit until we're olderand you're right.
They tell us oh, just use cashor everything.
Don't do that.
They just tell us that.
So a lot of us just go get adebit card.
We just open a bank and we justhave a debit card and we're
just swiping away.
We don't understand to go get acredit card and you shouldn't
be afraid of that at all.
I think a lot of people areafraid of that because of what
(20:09):
we have seen our caregivers do,right, I think, what with with
with me personally, I didn't.
I couldn't get a credit card atall, so what I started out with
was a secured card.
Yeah, my specific one wasdiscover it.
Speaker 1 (20:25):
Can you let her know what a secure card is?
Speaker 3 (20:27):
Secured means you pay a deposit first and then it
becomes unsecured when they seethat you're financially
responsible.
So with me personally, I got aDiscover it card and I had to
give them $300.
It might be different foreveryone.
You might only give a hundred,you might give 500.
I gave them $300.
It was Discover it.
(20:48):
They give me, they mail me backthat card.
It has my $300 on it.
I'm able to use that card and Ibelieve it was after 90 days.
It could have been more, itcould have been six months, I
don't remember.
But after paying that cardevery month on time and showing
that I was financiallyresponsible, they send me back
that $300 and then they extendedme their own line of credit.
(21:10):
So now that $300 turned into$1,000.
And now I could use it how Iwant.
And it was a credit card and itwas also being reported to my
credit.
Speaker 1 (21:18):
And you had $300 back .
Speaker 3 (21:19):
I got my money back and they gave me an additional
line of credit, so it turnedinto $1,000.
And then you can call, like Isuggested earlier, and you can
extend it.
So now it was $1,200,.
Speaker 1 (21:32):
And then you can call , like I suggested earlier and
you can extend it.
Speaker 2 (21:34):
So now it was $1,200.
Speaker 3 (21:37):
Now it was $1,500.
And then it was $2, and now Ican get things like Chase.
Speaker 2 (21:42):
Now.
Speaker 3 (21:43):
I can get a visa Now, I can get American Express and
get higher limits extended to meand things like that, so I
wouldn't be afraid of credit.
I would just be more afraid ofthat limiting belief that you
have.
(22:03):
Why would you want to use yourmoney when you can use OPM other
people's money?
Would you want to use yourmoney when you can use OPM other
people's money?
The banks you know and you justgot to learn your limits and
you have to learn thatself-awareness that you can
handle spending.
Because I remember there weredays where I would have credit
cards and I would just swipeaway.
I would have no intention ofpaying that back.
(22:23):
Just be honest with yourself.
Be honest with yourself, like,if you know you're going to get
a credit card and just swipe,swipe, swipe, swipe, swipe,
you're just going to use it forvacation.
You have no intention of payingit back.
They're going to report thatshit to your credit, you know.
And then what are you going todo?
Like you're never going to get,you're never going to get out
of that, that rat race.
It's very quick to get out ofit and you can continue to do
better.
So, yeah, don't be afraid ofcredit cards.
(22:55):
If anything, you want to pushback against them because, like
they don't honestly, theyhonestly don't give a shit about
you.
Like they're not there to.
Like they're there to help you,but they're really not.
Speaker 1 (23:07):
Yeah, they're really not, so it's like take advantage
, yeah they're selling yourinformation.
Speaker 3 (23:12):
They like they check your credit before they extend
it to you, but the second you'relate they report you like no,
fuck them.
Like pay it on time, don't runit up and then get another one
with a higher limit and then runthat up.
You know what I mean.
Like just keep taking thosestepping stones and leverage it.
You know what I mean.
Like push back, keep pushingback and then pretty soon you'll
(23:33):
have a $20,000 card.
You know, I think with my totalcredit cards I probably have
close to a million dollars injust credit cards.
Speaker 1 (23:40):
So let me ask you this and that might actually be
scary for some people, because Iactually spoke to somebody
about that before like they're,like can be why would I even
want to?
Like I don't even know what todo like.
Why would I even want that?
I'm like I'm afraid of that,right right so like and I like
how you said that, so you, so,so you, you.
You get access to this money,but you get access to opm and
form these credit cards rightlines, whatever stuff like that.
(24:01):
Then you're going to put it towork you want to put it to work.
Speaker 3 (24:04):
You want your money to work for you, yeah you're
working for your money or do youwant your money to work for you
?
Speaker 1 (24:08):
100.
Yeah.
So if you go to work, you'reworking for the money?
Yep, but if you leverage opmand get access to these cards in
these lines and you invest theminto cash flowing assets, then
your money's working for you,yeah, yeah.
Do you remember the first cashproducing uh asset that you
acquired using credit?
My?
Speaker 3 (24:27):
My first cash flowing asset.
Speaker 1 (24:28):
Yeah, using credit.
Speaker 3 (24:31):
So the first one I got, I got.
Take a guess, what doeseverybody get?
Speaker 1 (24:38):
Longevity mat.
Huh, car wash.
Longevity mat A G-Wagon?
Oh, you should know about it.
I said a cash producing asset,I didn't say liability, or did
you use it as a?
Speaker 3 (24:48):
cash producing asset.
No, I got a G-Wagon rightBecause I was I had, so my
birthday came around and Ibought myself.
Speaker 1 (24:56):
I would have said G-Wagon If I would have.
I see what you're thinking.
Speaker 3 (25:01):
So when you so, when I so.
When I had a good amount ofmoney, I bought myself the car
outside cash right.
I was just like'm gonna do this.
I had plenty of cash, I'm gonnabuy a car in cash.
I bought that.
But then mercedes has liketheir own car credit right, like
they have their own car andwhen you have chase you can get
like nine thousand dollars off acar and then with with the g
(25:22):
wagon, you can write that offtax.
You can write off tax wagons.
So a tax right opposite taxwagon tax.
I'm going to use that from nowon.
Speaker 1 (25:29):
Tax wagon.
Speaker 3 (25:30):
Tax wagon so you can write it off.
So then I'm like I'm going tobuy this, I'm going to buy the G
wagon, I'm going to privatelyrent it out and it's going to
pay for itself.
So I had a different vehicleand I used it as the trade-in so
I probably put it put it wasprobably like worth 60 grand,
(25:50):
put that towards it, got the gwagon um and it pays for itself.
It pays more than the paymentswould be.
Speaker 1 (25:57):
So, and not to interrupt you because I like
where this is going but when youwas the intention to acquire
the g wagon, to rent it outprivately yeah, because I
already have cars so it was justlike I know that's gonna make
me money yeah so I'm like I'mgonna privately just put it on
and rent it out.
Speaker 3 (26:14):
I don't use tarot, it's through our company so it
stays rented out.
We had an nfl player take itfor six months like we make
money off of it.
I just take it back, I get itwrapped up and detailed, cleaned
out.
It just constantly makes usmoney, um.
It's just about paid off Um andthen from there because it was
making so much money that it'spaid ahead.
(26:36):
It's paid through Um.
Then we take that and we boughtstorage unit.
Speaker 1 (26:40):
So I should do that with the Lambo down.
You should do that, why not?
Speaker 3 (26:42):
I'm about to yeah Like take it a couple of days a
month for yourself.
Of course, and then the rest ofthe month like put it out.
Speaker 1 (26:48):
Yeah, let it do what it do.
Speaker 3 (26:49):
Yeah, and then take the money from that, buy some
real estate.
We have a storage unit now, youknow, just because I don't care
about storage units, but peopledo, they produce it out.
Yeah, right, yeah so then wehave a storage unit, right.
Speaker 1 (27:10):
We have an apartment over here, over over the bridge
and why are I staying there?
Huh, how come I'm staying there?
Speaker 3 (27:12):
what?
How come I don't stay in there?
Come on, we can have a kickback.
Tell me about it.
Nothing, we was outside last.
Come on, we can go.
Let's go, we can have thekickback.
Let's go.
We have that.
We rent that out.
We don't do it through airbnbbecause, like no, fuck airbnb.
We want everything to staywithin the family, within the
house, right In the house.
Everything's in the house right, everything's in the house.
Speaker 1 (27:33):
Stay at home.
Speaker 3 (27:33):
Stay at home, keep it within the family.
We're not paying Airbnb.
Speaker 1 (27:36):
Can I get a stay at home?
Millionaire hat, have you madesome?
Speaker 2 (27:39):
I got some merch coming, I'll show it to you,
I'll show it to you off camera.
Speaker 3 (27:44):
But we got some merch Stay at.
But we got some merch Stay ahome, millionaire, everybody can
do this.
Speaker 1 (27:47):
Yeah, so how do you get so smart?
Speaker 3 (27:50):
I don't know, I have ADD, adhd.
But ADD and ADHD doesn't mean Ihave like high functioning
anxiety.
I think all entrepreneurs do.
Speaker 2 (27:57):
Yeah, I agree I think we all do.
Speaker 3 (27:58):
I think we all have to be a little delusional.
No facts and I think we allhave high functioning anxiety.
Yeah, but it's just, it'shonestly it's from from going to
jail.
Speaker 1 (28:12):
I have kids.
Speaker 3 (28:12):
You're in the south, so they say children yeah, right
, I got children.
Speaker 1 (28:14):
Yeah, children, how many children?
Speaker 3 (28:15):
you got, I got like 10, I'm just gonna say 10 okay,
let the people you got a couple.
Speaker 2 (28:20):
I got a couple, children got a few um, you gotta
take care of them.
Speaker 3 (28:24):
Yeah, you know I didn't come from a supportive
family.
I don't do only fans, not yet,not yet, and if you did
supportive family.
Speaker 1 (28:28):
I don't do.
Speaker 3 (28:28):
OnlyFans.
Not yet, not yet.
Speaker 1 (28:30):
And if you did OnlyFans you probably wouldn't
do it.
You probably hire somebody todo the OnlyFans for you so they
can produce it, so I can stay athome.
Exactly, I'm saying well, Imean OnlyFans, you can stay at
home too, but you know, True.
Speaker 3 (28:46):
I don't do OnlyFans You're.
I'm so booty, yeah, like I have.
I got children.
I didn't come from a richfamily, but a rich family comes
from me.
You're out here with the bars,you know, I didn't get a divorce
, I didn't come up on money.
I didn't get a settlement, Ididn't you didn't get a
settlement.
I don't go to OnlyFans, I don'tdo any of that.
(29:07):
Like people see a woman withher own money, that's what they
assume.
Speaker 2 (29:11):
Yeah, yeah, yeah.
Speaker 3 (29:11):
You know what I mean.
But no, it's not.
I just work my ass off.
I have kids.
I just didn't want to ever feellike that again.
When I got out of jail, theyliterally just give you a
bologna sandwich and anorange-flavored drink flavored
drink, because I'm an orangejuice, it's just orange flavored
(29:32):
something and they just let youout into the wild, you know,
and like I don't ever want tofeel helpless like that again
when I get turned down from anapartment because of my credit,
like that's fucked up yeahthat's fucked up.
I'm turned down from jobs.
I've been turned down jobsbecause of my credit 100 too you
know what I mean, like you feelhelpless, I can't get to and
from the job to pay for thisapartment because I don't have a
car.
Speaker 2 (29:50):
Yeah.
Speaker 3 (29:50):
Because of my credit.
Speaker 1 (29:51):
So you never wanted to feel denied from getting a
place to stay again.
No, that still haunted you, Iassume.
Yeah, yeah, especially notgetting that place to talk.
Speaker 3 (30:00):
I don't like being told no.
Speaker 1 (30:02):
Yeah.
Speaker 3 (30:09):
You like being told no, I don't like feeling
helpless.
I don't like having the answersto things.
I don't like, especially beinga parent.
I don't even want to say amother.
As a parent, as an active,full-time parent, I don't like
having to decide if we can paythe rent or the light bill, or
when it's back to school season.
Can we afford that?
That's an extra expense, butyou can put on credit.
(30:29):
You can pay it with your creditcard.
You always have credit cardsthat like my little best friends
yeah you know which one do Iwant to use today?
you know, and then you want tofund.
You can almost fund yourlifestyle.
Do you like traveling?
You get a travel card, you canget lots of points and then you
can fly.
You can fly for free, get freeupgrades, upgrades in first
class.
Speaker 2 (30:48):
You can travel hack.
Speaker 3 (30:49):
Facts.
Speaker 2 (30:49):
You know what I mean, that's one of my favorite
things Travel hacking.
Speaker 1 (30:52):
Yeah.
Speaker 3 (30:52):
Yeah, so it's like you can fund your lifestyle and
you're not using any of your ownmoney.
Whether, like I said, whetheryou work or you're an
entrepreneur, wealth is foreveryone.
Speaker 1 (31:06):
Yeah, so okay, let's kind of get to the particulars
here.
Okay, hey, listen, if you'relooking to grow your podcast
business or you're looking toleverage podcasts to grow your
business, you want to tap in tothe Podcasts, to Profits Academy
.
We're going to teach youexactly what it takes for you to
get more exposure, to grow andscale your business or leverage
podcasts so you can do morerevenue.
(31:27):
What you want to do is headover to podcast2profitscom and
apply to work with me and amember of my team.
Stay at home, millionaire.
We're talking about credit.
Speaker 2 (31:36):
Yeah.
Speaker 1 (31:36):
Multiple seven figures.
People are probably going towonder like how are you?
What are the products, what arethe services?
I know you're helping people,but what are the other verticals
?
What else do you offer thathave achieved to your revenue?
Speaker 3 (31:51):
What has achieved to my wealth.
Speaker 1 (31:53):
Yeah, Like what other ?
I mean, obviously you'recreating cash-proven assets.
Speaker 3 (31:56):
Right, right, right.
What are your current products?
That's like in my personal life.
Speaker 1 (32:00):
What's your products and services?
Speaker 3 (32:01):
So with me, for me as an entrepreneur.
I specifically help individualsmanage their credit Right.
So, like I said earlier, ifyour credit isn't 680 to 720, I
would help someone repair andmanage their credit so they can
start getting approved forthings.
I would help them understandcredit because a lot of us we
(32:22):
just go on our phone and we'lllook at credit karma.
That's not your FICO score.
You're never going to getapproved off of your FICO score,
right.
So I help people understand.
Speaker 1 (32:31):
So you mean you're never going to get approved?
Speaker 3 (32:32):
No, based on your based off of your credit Come
here.
Speaker 1 (32:36):
Credit karma is not, so you need a FICO score you
need your FICO score.
Your credit karma.
So so, if they're going to, ifthey're going to credit karma,
where can they go to get theirFICO?
Speaker 3 (32:45):
Annual credit reportcom.
Speaker 1 (32:47):
Okay.
Speaker 3 (32:47):
You get a free report .
Speaker 1 (32:49):
Annual credit reportcom.
Speaker 2 (32:51):
Yeah.
Speaker 1 (32:52):
Are there any of the apps that's going to give them a
FICO?
Speaker 3 (32:55):
Yeah, you can go to myficocom.
They're going to charge you forthat.
One Annual credit report isfree, so you can order your free
report right there.
You can see what's going on.
You can go to myfico that's amonthly subscription.
You can go to there.
You can go to Experian,transunion, equifax those are
separate you can go to those,but you want to know what your
(33:17):
FICO scores, because that's whatlenders are going to look at.
Speaker 1 (33:20):
That's the real meat and potatoes.
Speaker 3 (33:21):
That's the real meat and potatoes.
Credit Karma it's cool and allyou can kind of see what's going
on If you're not really usingyour credit.
It's cool and all you can kindof see what's being maybe
reported, but the numericalscores are more than likely
incorrect.
So, if you're like wow, I havea 720, 780.
No, you don't.
No, the fuck, you don't.
Speaker 1 (33:41):
Not on Credit Karma.
No, you don't yeah.
Speaker 3 (33:42):
No, you don't.
So I mean it's a Vantage score,so they're using a different
algorithm than your FICO, right?
So don't even stress aboutCredit Karma when it.
So it's not correct.
So what was your originalquestion?
Speaker 1 (34:01):
The question is um the product services Okay.
Speaker 3 (34:04):
Yes.
So if your FICO score is, let'sjust say, less than 720 and you
want help, you don't, you don'tneed to hire someone for help.
But if if you do want someonebecause they can do it on their
own, you can do it on your ownyou can do, want someone to help
you Because they can do it ontheir own.
You can do it on your own.
You can do your nails on yourown.
You can do your hair on yourown.
You can do your lineup on yourown.
You can change your oil on yourown.
Speaker 1 (34:23):
I don't know about the lineup part.
Speaker 3 (34:26):
But I can do the ball to be on my own.
The ball to be going crazy onmy own If right like.
But we pay for convenience, wepay for knowledge, we pay
someone we think we can trust,right, right.
But there's always going to bethose warriors cooking me in the
comments like you don't got topay nobody to help you fix your
credit.
My baby, daddy, sister, cousindid it on her own yeah okay, but
(34:50):
if you want help with yourcredit, I help people fix their
credit, understand their credit,manage their credit, get credit
, and I also help entrepreneursthat have their own credit
repair businesses or work withcredit clients that have credit
challenges so solar, cable, cellphone, real estate brokers,
(35:14):
auto sales and those that alsohave credit repair companies so
I help them.
I have a staff of how many dowe have right now?
17.
They're all on shore.
I don't have any overseaspeople, even though that's fine
if you do.
I personally have always hadpeople here with me Orlando,
Miami and Houston.
They're my staff and we providethe staff to do all the
(35:36):
processing, mailing, updating,customer service.
I have bilingual English,Spanish and Portuguese customer
service staff.
We do everything on your CRMfor you.
So all you have to do isconvert your sales over to a
client and we'll handleeverything from there.
(35:57):
And, like I said, we print offeverything.
We mail everything off.
We didn't do that If you are anentrepreneur, business owner
that works with clients.
If not, if you're an individualconsumer and you want help with
your credit, you can reach outto me and we do that as well.
So, yeah, we spoke earlierabout what I personally do with
my credit, my personal life thathas contributed, but most of my
money in my millions have comefrom me being an entrepreneur of
(36:20):
those two things and building abusiness, yeah.
Building a business from home.
Speaker 1 (36:23):
Absolutely.
Speaker 3 (36:24):
Yeah, a lot of people on my social media have seen my
journey go, so the proof isright there.
My receipts are right there.
I love receipts.
Your receipts are out to create.
My receipts are right thereBecause there's a lot of people
on the Internet.
I'm sure you know they're justloud and wrong.
Speaker 2 (36:37):
Yeah, loud and wrong.
Loud and wrong.
Speaker 3 (36:40):
Loud and wrong and you're just like come on, but
they're believable.
Speaker 2 (36:43):
Yeah.
Speaker 3 (36:43):
They're believable.
But then eventually you startto kind of see through the
layers of their bullshit.
So, that's why you're on thepodcast.
That's why I'm on the podcastIG and see receipts.
It's very obvious.
Speaker 1 (36:56):
Yeah, no, no, I like that, I like.
I really, I really like themessage that you're sharing,
letting people know that, hey,you don't necessarily have to be
an entrepreneur, but wealth isfor you.
It is, and this is the path thatwe can help you get there.
And then, once you're inposition, you got options, you
(37:19):
have opportunities, you gotdifferent things that you can
use to leverage, to get you cashbuilding assets.
Yeah, that way, get your timeback.
You know you have to break yourbone, break your back working
for someone else making themrich.
You can be building out likeyou said, like you didn't come
from a wealthy family, but awealthy family comes from you.
You're right with the bars.
That was a good one like that.
Speaker 3 (37:35):
Cut off that low-hanging fruit what's that
mean?
Speaker 1 (37:37):
like cut off that low hanging fruit.
What's that mean?
Speaker 3 (37:39):
Like, cut off that low hanging fruit, whether you
are a business owner or anentrepreneur, as I said.
Like, wealth is for everyone,right, but there's going to be
that low hanging fruit aroundyou that are going to hold you
back.
People places things, people,mostly people.
Speaker 1 (37:59):
Like some of your biggest supporters are the
reason why you're not doing shitsome of your biggest supporters
, yeah, are the reason whyyou're not doing shit.
Speaker 3 (38:03):
Of course, write that down like if you, if you take
like one of our mentors right,if you take the tiniest little
thing like a dime, a penny, acrumb, right, if you hold it
close to your eye, you're notgonna see anything besides that
because it's so close to you.
Some of your biggest supportersare so close to your eye.
You're not going to seeanything besides that because
it's so close to you.
Some of your biggest supportersare so close to you they're
supporting all the bullshit youdo your shitty mindset your
(38:24):
disbelief it's okay, you can.
Or they're like yeah, yeah, yeah, you can do it, yeah, you
should do it, or no, youshouldn't do that.
Or you know you can't do it.
They're supporting everything.
They're like your yes, people.
They're so close to you thatthey're the reason why you're
fucking stagnant.
They're the reason why you'renot doing shit.
They're the reason why you'rein the way.
Or they have secret, likejealousy or envy, that they
(38:46):
don't want you to level up, oryou want to take them with you
and like they don't want to go.
No, they don't want to go.
They're holding you back theydon't want to do the work.
They're sitting at your table totake a to-go plate.
Speaker 2 (38:56):
Yeah, facts.
Speaker 3 (38:57):
They're not sitting at the table to cook with you.
You are Just sitting there tofreaking.
Take a goddamn to-go plate.
You're going crazy right now.
Sorry.
Speaker 1 (39:03):
No, I'm wrong.
I'm wrong with that.
They're just sitting at yourtable to take a to-go plate.
Yeah, you know.
Speaker 3 (39:13):
I mean, sometimes you don't until you get hurt.
Honestly, sometimes you don't.
But you just got to keep an eyeon certain people, watch what
they say but, more importantly,what they're doing.
You know what I mean.
You can tell that fake supportwhen somebody's like must be
nice.
I got a must be nice the otherday from someone I've known for
30 years and we helped thisperson and then they got
(39:36):
themselves in a hole again andwe're like we're not going to
help you financially again.
But this is what you can do,this is what we can do, we can
do this together.
And then we got some snarky asslike must be nice, type shit
and we were like okay, so it'slike that.
But I mean you're just going towatch the people around you.
If they've supported you fromday one and they save space for
you to grow, they push you to bebetter, you to grow, they push
(40:00):
you to be better.
They don't put up with yourfuck shit.
You know they, I don't know,and you and it's mutual, it's.
It's going to be mutually.
You can't just take, take, take, take, take.
It's going to be deposits andwithdrawals yeah, deposits and
withdrawals, and you can trustthem and they show you with
their actions that they'regenuine and they really support
you and they're just happy foryou, without performing, yeah,
(40:20):
and this is gender neutral.
Yeah, this is gender neutral.
Um then, yeah, if they're, ifthey don't seem happy for you,
if they are just not showing upfor you in ways that they can,
it doesn't have to be anything,it just it could just be by
actively listening.
Yeah, facts, because, as anentrepreneur, especially like
you, need someone to be therefor you, like at the end of the
(40:43):
day or after a long day, becauseour days don't end, we don't
know what day it is, we don'tknow when.
The last time we ate or tastedour meal this whole week went by
hella fast I don't know, Idon't know, or like when we eat
we don't even taste the foodbecause our brain is going, or
we're typing away or we're onour something like we don't know
.
So just having people around youthat, uh, you know are there
(41:04):
for you and things like that,and just drop that low-hanging
fruit, those stagnant ass stay.
People that are just year afteryear after year doing the same
goddamn thing all the time.
They just don't want better forthemselves.
You try to put them in andthey're just like, and they're
just doubting it all the timeand like not everything's gonna
always work out, but even whenthe things don't work out,
(41:24):
they're still optimistic,they're still like it's cool we
got this stuff like that.
The people that can teach fromyou and you can teach them.
Learn from you and you learnfrom them.
And it's just that.
It's very.
They make it obvious.
Just stop looking beside, stopmaking, stop painting red flags,
green, cut the shit listen,you're gonna listen listen, I
got you're gonna trauma, stopthe red flags green we all do it
(41:48):
, damn, we all do it yeah, youand I really see that with
people too.
Speaker 1 (41:52):
I've definitely done that when it's like I like this
person.
We've been friends for a minute, you know.
I'm saying I feel like we got arelationship.
Yep, this is cool.
You see the signs.
You see the signs and you paintit green and just because you
got some history or maybe havesome moments, you're like you
know you, you feel it, you feelingratiated with the person,
(42:13):
like, yeah, this is my person,this is one of my people, yes,
but they ain't.
They ain't your people.
I learned the hard way a fewtimes.
Speaker 3 (42:21):
Yeah, it happens to the best of us.
Speaker 1 (42:22):
It just happened to me a couple months ago with a
homegirl.
Guess what she's out of hereOut Low-hanging fruit Right Gone
Low-hanging fruit, low-hangingfruit this is good.
This is good right now.
So I want to talk about yourmindset a little bit mindset
(42:44):
going into prison.
Well, it wasn't jail.
Speaker 3 (42:48):
It wasn't prison jail prison and jail are not the
same yeah, okay, your mindsetgoing in you was a hustler.
Speaker 1 (42:55):
You was getting to it , so you was getting to it, you.
You was getting to it, I wasRight, so you was getting to it,
you got out.
Yeah, Started getting to itlegally right, yes.
You didn't come from a family ofmoney, no Right.
So what helped your mindsettransition?
Get a little stronger and get alittle bit more intentional.
(43:18):
Really go after this financialliteracy thing, this wealth
building thing, being moreaccountable, more consistent,
more reliable just withinyourself, because we're the
first person that's going to dowhat we say we're going to do,
or disappoint ourselves, right,true?
So when did that click for you?
And then how you startedbuilding on that, because I
(43:39):
think that would be powerful forfor people to to hear your
experience with that if they'retrying to build that.
You know the green war, we'reoff on the on the flag, so now
they're seeing these people thatthey're removing the people you
know they put themselves in agood environment, so how do they
stop building?
Speaker 3 (44:11):
all these blocks.
I grew up in pretty much a veryunsupportive, abusive home.
I always had to rely on myselffor certain like for like the
first 14 years of my life, yeah,and then I had went with my
father who was on the other sideof that, very supportive, very
(44:31):
loving.
He was an entrepreneur.
So I'm watching an entrepreneurfrom one spectrum.
So I'm watching an entrepreneurfrom one spectrum, but I'm also
used to depending on myselfdealing with myself, from
emotional to figuring out how tofeed myself as a little kid
coming home from school, beingalone I'm used to that isolation
type thing and then I go withhim and he's taking me
(44:52):
everywhere hustling, bustling,doing all this shit and I'm just
getting loved on.
So I'm just like what is this?
So I'm learning, getting lovedon.
So I'm just like what is this?
So I'm learning how to likelove myself and do all that
watching an entrepreneur.
So then I go into adulthood andthen I fuck up and I see the
one person that pretty much saidthat he loved me, no matter
what, disappointed, right.
(45:13):
So when you, I'm not mad at you, I'm disappointed.
That like kills you, right?
That like that fucks everythingup.
So I think it was that pivotalmoment where I was like I got to
get this together.
I got to tap into everythingthat I watched that man do my
father, everything that Iwatched that man do just kind of
like all it just I don't know,I just hadn't.
(45:33):
It was like an anomaly for me.
It just all like came out and Iwas like that man believed in
me.
So I had to like borrow hisbelief and I just tapped into it
like I gotta figure this out.
I can't continue to do this shitlike.
I can't continue to do thisshit.
Like I can't continue to be outhere in the streets.
He's disappointed in me.
I can't.
That was awful.
Like I can't do this, so Ican't get an apartment or a car
(45:56):
or anything because of credit.
So that was like my, that waslike the.
That I fell flat on my facebecause of credit.
If they said it was because ofmoney or some other shit, I
would have tried to find thebest job.
Like I tried to go to Suffolkto get my MBA because I thought
that was the way.
I was like I'm just going to bea business owner, I don't know
(46:21):
what, but I'm going to go toSuffolk and get my MBA and I
like made it maybe one semesterand I dropped out.
I was like, fuck school, Ican't pay attention, I don't
like this.
The structure, like I can't do,I can't afford it, and I
dropped out.
So, like I'm a college dropout,I'm a felon.
I barely even made it throughhigh school.
I was like a solid D student,you know.
So I think, just always tappingin and just betting on yourself
, like I always bet it on myselfand I'm I'm at the bottom of
(46:44):
everything.
You barely made it through highschool, right, dropped out of
college, went to jail, didn'thave supportive maternal side of
the family Um, but I had thatone person that believed in me
was my dad.
So, like, think of that oneperson that believed in you,
whoever they are, picture theirface.
Speaker 1 (47:01):
They say you only need one.
Speaker 3 (47:02):
You only need that one.
Whoever it was, was it yourgrandmother, your auntie, your
dad, your mom, your brother,your sister, a caregiver,
someone that took you in as aparent, a brother, a sister?
Who was that?
Who was that one person thatbelieved in you, picture their
face?
And is it yourself?
because a lot of times it's notourselves yeah it ain't
(47:23):
ourselves, um, we're, we're hardon ourselves, but just picture
that one person, who it was, andjust tap into that and borrow
their belief and become a,become a fucking monster.
And it just created a monsterand I just have not stopped ever
since I'm looking at a monsterright now.
Speaker 1 (47:39):
I'm looking at a monster right now beautiful
monster, beautiful.
Stay at home, monster.
Speaker 2 (47:46):
Yeah you know, somebody's gonna do it
somebody's gonna represent Iheard it?
Speaker 1 (47:49):
I heard a scream on on online the other day too.
Speaker 3 (47:52):
That joint was I was so frustrated it it was crazy,
you said I was hitting thosebars you were saying those notes
, notes.
Hitting them notes yo.
Speaker 1 (48:00):
Man, this has been great.
Like this is going to helpsomebody?
I hope so.
This is for someone out thereright now, just a story of, like
you know, hustling, gettinglocked up, being an ex-felon,
coming out being a dropout.
You know what I'm saying.
Like you know what I'm saying.
Like you know, having friendsdisappoint you, credit fucked up
(48:20):
, can't get a crib.
You know what I'm saying.
And then you put it alltogether, and not only did you
put it all together for yourselfand your family, but you're
helping so many people at thesame time.
Either do it for themselves,put them in a position, or
helping them.
You know, do the same thing forothers.
Speaker 2 (48:38):
Right.
Speaker 1 (48:38):
That's amazing, thank you.
So how do people become stay athome millionaires, how they
shopping with you, how do theybecome?
Speaker 3 (48:46):
monsters too.
I mean, they can find me on IG,they can find me on Facebook.
They can go to my website.
It's diamondoutsourcingcom.
Diamondoutsourcingcom.
Myourcingcom.
My ig is nicole underscoreashley official.
It's a verified one, um, andfacebook it's nicole ashley, and
you'll know which one is me.
(49:07):
okay, because there's some fakeaccounts out there but, you'll
know which one's me on facebook,but tap in with me any of those
ways and if you want some helpwith your credit, if you want
some help um finding uh with, ifyou want some help with
financial literacy, I'm yourgirl.
You can become a monster, astay-at-home millionaire.
Either way, wealth is foreverybody.
Speaker 1 (49:25):
So my last question for you is this you got Diamond
Outsoilers Academy, let's justsay right, and you got young
people coming in there, right?
They need to leave with threeprinciples that they're going to
apply to their life forever.
What three principles wouldthey leave with?
Speaker 3 (49:45):
three principles.
Does it have to be financial?
Speaker 1 (49:48):
it can be whatever you want it to be they want to
leave with three principles.
They have to.
They can't graduate withoutthese.
They have to like, take theseprinciples that they're going to
learn from from yourenvironment, to make them better
.
What are those?
I?
Speaker 3 (50:01):
don't like giving people advice it's not advice
three principles, if I was doingthat yeah well, talk to me.
Speaker 1 (50:07):
What's three principles you give me to
improve my life?
What would you say to them?
What would you say to me?
Speaker 3 (50:10):
stay out the way.
Stay out the way.
Don't give a fuck like reallyabout anything yeah and um,
jesus three principle and shit,just use your credit utilize
that credit.
Stay out the way don't give afuck, use that credit stay out
the way, don't give a fuck,because people will really, uh,
(50:32):
tear you down facts and use yourcredit and use your.
Speaker 1 (50:35):
I like that cut up them.
Debit cards yeah, you got one.
We should make, we should havehad one a debit card, just to
cut one I got rid of debit cardslisten y'all.
Today's podcast was great.
I feel like I was hanging outwith one of my best friends,
just really kicking it, butreally giving the information to
y'all.
You know, I mean, like, makesure y'all tap in, uh, diamond
(51:00):
outsourcingcom, right,diamondoutsourcingcom.
Nicole underscore ask me oninstagram and nicole ask you on
facebook.
Yep, right, get the information, tap in.
If you want to learn how youcan be a stay-at-home
millionaire.
If you want to learn how youcan help more people, you want
to get your situation together.
If you want to get right, uh.
Or if you just want to learnhow you can help more people, if
you want to get your situationtogether, if you want to get
right, or if you just want tolearn more about what she got
(51:21):
going on and what she pulled upin and how she turned a G-Wagon
into a tax wagon.
You know what I'm saying?
Listen.
But another episode of the OnPursuit Podcast.
I'm Brendan.
This is Nicole Ashley.
Stay at home millionaire.
We'll see you guys on the nextone.
Welcome to the Honor Pursuit Podcast, where we
connect with entrepreneurs,movers, shakers and business
owners who've built amazingthings on the pursuit of their
goals and dreams.
And I'm your host, brendan Boyd.
What's up y'all?
Welcome to another episode ofthe Honor Pursuit Podcast, where
we connect with six, seven,eight-figure entrepreneurs, and
(00:22):
today's episode is a treat forme.
We're in Miami right now.
It's a nice day outside, thisone pulled up with something
mean.
You know what I'm saying andwe're actually from the same
place which is cool.
We didn't meet there.
However, we did meet in a placewhere the environment was
proper, right Aligned.
(00:45):
The frequency was high.
Speaker 3 (00:46):
It was aligned.
Speaker 1 (00:47):
It was definitely aligned right and we share a
mentor.
Speaker 2 (00:51):
We do, we do right.
Speaker 1 (00:52):
One of the best, one of the best out there, and she
talks about how you can get tothe money but be at home, which
I think is important.
I mean, we're technically athome right now.
It's not my home, but it's ahome, somebody's house,
somebody's house.
But Nicole, I ask you, welcometo the podcast.
Thank you for the invite.
Speaker 3 (01:12):
What's up?
Glad to be here.
Thank you for the invite.
Speaker 1 (01:16):
So what are you doing here?
Speaker 3 (01:19):
I'm at home.
I stay in the house.
Speaker 1 (01:22):
Oh, so you just have someone else's house now.
Somebody's house, but I'm inthe house and one thing for sure
is I make money.
And what goes on in the house.
Speaker 3 (01:36):
Whatever I want, whatever I want to happen in the
house, it's comfortable.
We can be ugly at peace in thehouse out the way, right?
So make my money at home.
So I'm going to eight yearsstrong at home.
So I'm going eight years strong, god willing, and I'm thankful
for it, and my whole, my wholegoal, honestly, is to just
(01:56):
continue pushing the needle andteach the collective, whether
they take my advice or not.
My biggest takeaway is alwaysgoing to just be to educate the
collective that they can do thistoo.
It's just going to takeconsistency, right.
I think that's the biggestthing Consistency and honesty.
You're just going to believethat you can do it.
It doesn't have to be the way Ido it.
(02:16):
There's multiple ways that youcan do it, but you can
absolutely make money at homeand as an entrepreneur and it's
just.
It's just a blessing to be ablessing and for me to be a
vessel, to be able to be a voicefor the collective, to teach
them how to do it.
Speaker 1 (02:37):
I think it's just an amazing thing to do so you're
saying a lot of nice things here, like these sound.
This is very nice, soundscomforting, you know.
I mean sounds like a hallmarkcard.
But what are we?
I'm trying to put on my besthardware, bro but what are we?
Actually, what are we actuallydoing, how we get money at home
I mean there's multiple ways todo it.
Speaker 3 (02:55):
I personally, what with what happened with me was I
?
My niche is credit.
I, I have done credit.
I fixed my own after some jailtime I'm a felon.
And then, after that happened,with the trials and tribulations
(03:17):
of just being an adult right,you need a car, you need a place
to live the bare basics ofbeing just an adult I couldn't
get it.
I kept falling flat on my face.
I couldn't get it.
I kept falling flat on my face.
I couldn't get any of thosethings because of my credit.
So I started learning aboutcredit and a lot of people that
I was learning from 10 years ago.
This is way before TikTok, thisis way before there was a lot
of people on YouTube doing it.
(03:38):
I was learning about it and alittle bit on YouTube about it,
and a lot of people are loud andwrong.
So the information that Iattained about it, I thought I
learned enough to fix my own toget the apartments and the cars
that I needed to get myself byas an adult, and it wasn't
enough.
I thought what I had learnedwould get me to a place where I
(04:00):
could get those things, and itwas not.
It was not it.
So I started plugging andplaying, reading the books and
and I had started to figure outwhat I needed.
What I needed is not whateverybody needed.
So once I started figuring outwhat I specifically needed, I
was like, oh shit, like this isdifferent.
Like credit is I don't have touse my own money that I don't
(04:21):
even have.
I wasn't making enough, like Idon't think any of us are really
, if we're working out in this,out there, right.
So I'm like, oh shit, this isdifferent.
So I'm getting credit cards andI'm using them the right way
which there's a milliondifferent ways you can do that
Right, but I'm using them theright way to get a house, to get
a car or an apartment, and thenI'm just using different lines
(04:42):
of credit to get other cash,producing assets, and I'm doing
this from home, from my house,and I'm using those things to
make income from home, and I'vejust continued to do that.
I've had a credit repaircompany to help other people do
the same.
Now that I had a goodunderstanding of how credit
works, how to manage your credit, how to understand credit, I'm
(05:04):
helping other people do it.
I'm helping other people, otherentrepreneurs that have credit
uh that work with creditchallenge clients, right?
So solar credit repaircompanies, car salesmen, brokers
, real estate agents right, thelist can go on.
I'm helping those entrepreneurswith their clients that have
credit challenge uh clients.
I'm helping those clients withtheir clients that have credit
(05:24):
challenge clients.
I'm helping those clients withtheir credit and then sending
them back to those entrepreneurs, business owners, so now their
clients can, in turn, get theapprovals and the lines of
credit extended to them thatthey also need to do the same,
and that has grown my companyfrom.
It took me four years to figureit out, to make my first six
figures, and then in about 13,14 months, it went from six
(05:46):
figures to multiple sevenfigures, right.
So for the past four years now,I've been making multiple seven
figures since at home, andanybody can do this, it doesn't
have to be credit, it doesn'thave to be credit.
You can just literally be anentrepreneur from home and make
six, seven figures.
Whatever your passion is,whatever your niche is right, so
(06:08):
is your revenue stuff.
Speaker 1 (06:09):
If you're an entrepreneur and your revenue is
stuff, you don't need to fixyour products or services.
You need new audiences todiscover you more consistently.
Podcast guesting is the idealway to be discovered 24 hours a
day by your ideal clients.
And guess what?
The more people that know you,the more people can flow.
You Head over topodcastmasterypackcom and take
advantage of your first or nextpodcast.
(06:32):
Let's go.
I want to go back to the felonpart.
Speaker 3 (06:34):
Let's go back to the felon part.
Speaker 1 (06:35):
But how you end up as a felon.
Speaker 3 (06:38):
How I end up.
Okay, Boston.
Speaker 2 (06:41):
Okay.
Speaker 3 (06:42):
The top hip zeppy.
Speaker 2 (06:43):
Okay, the top hip zeppy.
Speaker 3 (06:44):
Okay, think about.
Think about that time we hadthe chirp chirp.
Okay, so think about that.
Speaker 1 (06:48):
You would chirp, chirp and you're leaving with
the chirp chirp.
Were you stealing chirps, wasshe?
Speaker 3 (06:52):
stealing chirps?
I wasn't stealing, I was usingit.
Speaker 2 (06:56):
You was going to bring it back.
Speaker 3 (06:57):
No, I was using it because I had clients that you
were Clients, that you were.
Selling things to on the street.
Speaker 1 (07:05):
So you were what we call.
Speaker 3 (07:10):
A street pharmacist.
I was very good at it because Iwasn't making enough money at
my job.
Right, they don't pay us enough.
They don't pay us livable wagesand if you're an honest worker
you're nine to five, there'snothing wrong with that.
But they don't pay us enough.
Okay, they weren't paying meenough at my job.
(07:31):
So some of my friends, who arevery nice people, still friends
with them today.
They're some of my biggestsupporters.
I saw what they were doing andthey were pushing weight.
I saw what they were doing andI was like put me on.
And they were like no, no, no,we're not good.
No, no, no.
I insisted.
I said let me have a little bitand see what I can do.
And very quickly I turned itover and they're like, wow, take
some more.
And I said, sure, Took somemore, Turned that over very
(07:55):
quickly.
I had my money, they had theirmoney, they gave me more product
.
I turned that product over.
It was going great.
It was going great and I gotmore greedy with it and I wanted
more and I was pushing, pushing, pushing.
I got caught up.
I got caught up and I think Ididn't get caught up because of
the, because of the drugs.
I got caught up because my car,my, I had a suspended license,
(08:18):
a stupid ass inspection stickerrequirement that Massachusetts
has Wait, so you was drivingdirty with my product.
I was driving dirty with theproduct.
Yes, that's like 101 like adumb and you had the money to
take care of it.
I did at the time.
Yeah, I did like a dumb ass um,that was just a lesson.
Speaker 1 (08:36):
That was just a lesson with a lesson dumb ass,
22 year old college dropout,didn't care.
Speaker 3 (08:42):
Arrogant, just a dumbass.
Just like I don't care, likeyou can't tell me shit, you know
, dumbass um yeah, I pulled over.
Speaker 1 (08:50):
Because of what?
The inspection?
Because my inspection sticker.
Speaker 3 (08:52):
So then they see my license is suspended and then
they see, oh, you don't evenhave insurance, so yeah my
dumbass is driving all the waydirty.
And and then, because I thinkI'm just a hot ass, hot shit,
stubborn.
I'm an aries, by the way, sothat will make a whole lot of
sense all right okay, I resistarrest well do you.
Yeah, I resist arrest.
They get they, uh, and and I'mfighting, screaming, scratching
(09:17):
all that and, uh, they pull the,they pull the canine out.
And then I was.
Speaker 1 (09:21):
I stopped because I don't want that I don't want
that part, so I stopped.
You don't want the dog.
I didn't want't want that.
I don't want that part, so Istopped.
You don't want the dog.
I didn't want the dog smoke.
You don't want the dog smoke.
Speaker 3 (09:29):
I've heard about the dog smoke I don't want the dog
smoke.
So they, you know, the knee inthe back, the face yeah, your
face was on concrete.
Speaker 1 (09:36):
Yeah, what side, left side, right side I think it was
the right.
Speaker 3 (09:39):
I don't know, I don't know.
One eye is bigger than theother.
From that?
Speaker 1 (09:42):
Oh, really, yeah, did you sue.
Speaker 3 (09:44):
No, you could have.
This was like in 2006 or 2007.
I don't know.
Speaker 1 (09:48):
You can probably go back and open that case up.
Speaker 3 (09:51):
I was just a dumbass.
Don't do any of that stuff.
Remember Dare?
Yeah, I was just a dumbass.
And then I yeah, they madejokes that my wrists were so
small they had to get the keyfor the handcuffs.
It was funny for them and Iended up just making a plea deal
and I did some time in MCI.
(10:12):
How?
Speaker 1 (10:12):
much time did you do?
Speaker 3 (10:13):
And I got out.
And then, when I got out, yourlife starts all over again.
Speaker 1 (10:17):
How much time did you do?
Speaker 3 (10:18):
How much time did I do?
I did a little over a year.
Speaker 1 (10:21):
Oh, okay, and you was locked up.
I was locked up.
And I was a good girl.
So was you reading that, and Igot out early you got out early.
Yep, it's crazy.
You never I got out early.
You don't know people's stories, it was the only charge I've
ever had.
Speaker 3 (10:34):
I've been good ever since.
I don't even have parkingtickets.
You just listen, but I'm afelon.
It's okay, happens to the bestof us yeah um, and I got out and
then, like I said, I couldn't,I couldn't, they don't help you.
They give you a bolognasandwich and send you on your
day, you know.
(10:54):
So I couldn't get anything likewho's gonna hire a felon?
Who's gonna give me a chance?
Who's who you know?
So I don't have any money, Idon't have anything.
I don't have supportive family,like on my mother's side, my
father's side, they'reabsolutely very supportive and
things like who you know.
So I don't have any money, Idon't have anything.
I don't have supportive family,like on my mother's side, my
father's side, they'reabsolutely very supportive and
things like that.
But, um, I was, I was a grownass adult, like, get your shit
together, you know.
(11:15):
And, um, I'm glad that I didn'thave that safety net because it
forced me to figure it out onmy own and I did.
And um, that's when I hadreally started learning about
credit and entrepreneurship.
Speaker 1 (11:27):
And look where we are now, failing in all so did you
when you were transitioning, Iguess, from being locked up to
looking for opportunities thatobviously weren't available.
Right um was credit that firstopportunity, that that you found
, or like how?
How did you end up?
Oh, not at all.
Speaker 3 (11:46):
I was applying for jobs at um hotels.
I got a job at a hospital aslike a janitor, so I was turning
rooms over and cleaning uhrooms and then they were like,
oh, we pulled your record.
I don't know why they didn't doit.
The interview process.
Speaker 2 (12:02):
Yeah.
Speaker 3 (12:03):
But after, like my, the 90 day probation period
comes when you're at a job.
That's when they're like wehave to let you go.
You're found what the fuck.
So that came and then and then,when I went to go, one of my
friends was like hey, cause Iwasn't making enough money to
get my own place or do anything.
One of my friends was like hey,there's a housing lottery.
(12:26):
If you put your name on theirspecific wait list for that
building, you might get calledand they go waste on your income
.
So I was like, cool, I put myname on that list.
They picked me.
I viewed the building, I viewedthe apartment and it was
beautiful.
Right, this was like years ago,so it was before all the luxury
buildings were really poppingup.
It was absolutely beautiful, itwas perfect.
I was like, yes, I'm about toget in up.
It was absolutely beautiful, itwas perfect.
I was like, yes, I'm about toget in.
(12:47):
A couple days later, all mypaperwork clears, everything
Fell in and all right, it'sbased on your income.
So I was like, there's noproblem here, everything's
perfect.
A couple days later, maybe aweek, they call me back we can't
approve you because of yourcredit.
Okay, so that still hurts tothis day.
Right, that still hurts me tothis day.
It was in Charlestown,beautiful.
Right the building across fromHaymarket, that one.
(13:09):
I'm about to buy that building.
I swear to God it still hurtsme to this day.
But yeah, they denied mebecause of my credit and that
was the one that was the onethat was like the pivotal moment
for me where credit really likeleft a bad taste in my mouth,
where I have a love-haterelationship with credit, Like I
hate that.
That's what it takes, because Icould have afforded that
(13:29):
apartment Even without theaffordable housing a lot of us
can afford.
if we live within our means, alot of us can afford the car and
the apartment or even the housethat we're applying for, but
they deny us because of ourcredit, because of our financial
report card.
But then I love credit becauseit can literally change our
lives, our family's lives, ourgrandkids' lives, everybody for
(13:49):
the better.
So I really do have a love-hateand that's why I love being a
vessel for the collective to belike listen, if you listen to me
or anybody that you can trustto learn how to manage your
credit the right way and thenuse it, you can literally change
your life.
You don't have to own a creditrepair company to do it.
You can literally just do ityourself and use your own credit
(14:11):
to do what I did.
You can have millions ofdollars without being a business
owner in the credit space tomake millions.
You just have the assets byusing your credit.
You don't have to be anentrepreneur.
If you have a nine to five orwhatever job, use your job to be
your first business partner tobuild your credit and use it to
make the assets, incomeproducing assets.
Speaker 1 (14:30):
So break that down real quick.
So you're talking about useyour job to be a business
partner.
Speaker 2 (14:35):
Your first business partner.
Speaker 1 (14:36):
So those that are working right now that have a
job have a nine to five.
How would they go about usingtheir job as their first
business?
Speaker 3 (14:42):
partner.
So what I would always tellthem, if their credit starts, it
doesn't start with like a sevenright, the sweet spot for
getting anything with creditapprovals, with credit, higher
lines of credit extended to them.
It's going to be about a 720,right.
The higher the better, lowerinterest, all that.
But if your credit is not atleast a 720, sometimes a 680.
So 680, 720 is going to be thesweet spot to start getting you
(15:07):
good lines of approval withlower interest rates.
So if your credit is not thereFICO, not Credit Karma, please
your job can be your firstbusiness partner.
So if you look at that and thenyou look at your utilization
across the board, if yourutilization is not below 30% 30%
is barely where you get in thegreen I'm going to say 10%.
(15:29):
So use your job to get yourtotal utilization below 10%,
right.
So do as much as you can or aslittle as you can, but pay all
your debts down.
So it's below that 10%, right.
And then take any open creditcards that you have, as long as
they don't have late payments,as long as, again, that
utilization is below 10%, useyour job, your paycheck,
whatever you can to make sureyou're paying by the statement
(15:52):
date, not the due date.
The statement date is going tobe before the due date.
So look at all your currentreport cards that you're paying.
Look at the statement date it'sgoing to be before the due date
and pay it on that day paying.
Look at the statement date it'sgoing to be before the due date
and pay it on that day and thencall every 91 days and ask for
a credit line increase every 91days from the due date or from
(16:12):
the statement date every 91 daysthat your card is just open
okay, gotcha right, so just calland ask for a credit line.
Yeah, just call, like, as longas you're paying it on time and
your utilization is at leastbelow 30.
But I'm gonna say 10, but atleast 30 if you long as you're
paying it on time and yourutilization is at least below 30
, but I'm going to say 10, butat least 30, if you're just
you're having a tough time.
Everyone's having a tough timeright now is we're in a
recession, right, inflation?
Call every 90 days, ask forcredit line increase.
(16:33):
Don't go crazy.
Don't ask for, like, an extra5,000, but ask for 2,000, 3,000,
you know, 500, 300.
So that's not only going tohelp your credit score it's also
going to give you more wiggleroom.
So you're using your job to helppay your utilization down,
right If you have high limitsand things like that high
balances so just use your job todo that.
(16:53):
Use your job to put money awayin savings and use it as a down
payment for something else.
It can be anything.
Really, like I said before, youdon't have to be an
entrepreneur to make millionsfrom home.
You don't have to be anentrepreneur to make millions
from home.
Yeah, you don't, but use yourcredit to do it.
So entrepreneurship is not foreveryone, but wealth is right.
(17:14):
Say that again entrepreneurshipisn't for everyone.
You right, we.
I think we can both agree Iwould agree but wealth is what's
up y'all?
Speaker 1 (17:24):
I'm standing in the middle of the street and I'm
willing to risk it all because Iwant you to grow, whether
through paid or organic measures.
Over the next five days theAudience Growth Challenge we're
going to be teaching you podcastgifting strategy, video
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(17:47):
So if you want to join thechallenge, all you got to do is
click the link below and jointhe audience growth challenge
and join as a VIP.
Let's get it.
I like how you said that,because there are some people
that obviously would feel likeentrepreneurship isn't for them.
Oh, and I could see it, you know, like entrepreneurs,
entrepreneurs yeah, and I couldsee that because, like you said,
there's people that want to orwant entrepreneurs right, but
(18:10):
they're not willing to do whatit may take, they're not willing
to take the punches.
Then you know they're notwilling to go.
There might be some days, someweeks, you ain't bringing no
money in or you're not willingto stay up those nights, you're
not willing to do one more callor what you know or learning
things.
If you need to learn and movethe needle before you can even
be in a position to bring peoplein or bring systems into
structure, whatever thesituation is Right.
But I do like how you mentionedthe wealth part because with
(18:33):
strategy and leveraging, likeyou said, credit, anyone can be
in that position without havingto be an entrepreneur 100%.
Speaker 3 (18:40):
Yeah.
Speaker 1 (18:41):
Yeah, yeah, so okay.
Okay, how are they actuallyleveraging credit to get access
right?
So you talked about RSC beingin that sweet spot getting 720.
Like I was just telling a fewof my friends recently to cut up
the debit cards right.
Speaker 3 (18:58):
Oh yeah.
Speaker 1 (18:59):
Yeah, cut up the debit cards.
Then also I was telling them toget a credit card because
someone didn't even have acredit card, right.
So for those that may bewatching or listening that may
be afraid of credit or they'vebeen programmed to, you know,
use a debit card, not use acredit card.
They haven't even opened acredit card because maybe
parents telling them, hey,credit is bad, whatever, like
(19:22):
how do you work getting overthat, that, um, that limiting
belief?
Speaker 3 (19:26):
I honestly think that happens to all of us, right,
like we are not taught that inschool, right?
We're just not taught creditand financial literacy at school
.
So it happens to all of us, sodon't feel bad if that's you.
And we are taught, evensubconsciously, by our
caregivers, our parents, aboutcredit either just by watching
(19:46):
them, and we don't even knowthat they're like over their
head in credit until we're olderand you're right.
They tell us oh, just use cashor everything.
Don't do that.
They just tell us that.
So a lot of us just go get adebit card.
We just open a bank and we justhave a debit card and we're
just swiping away.
We don't understand to go get acredit card and you shouldn't
be afraid of that at all.
I think a lot of people areafraid of that because of what
(20:09):
we have seen our caregivers do,right, I think, what with with
with me personally, I didn't.
I couldn't get a credit card atall, so what I started out with
was a secured card.
Yeah, my specific one wasdiscover it.
Speaker 1 (20:25):
Can you let her know what a secure card is?
Speaker 3 (20:27):
Secured means you pay a deposit first and then it
becomes unsecured when they seethat you're financially
responsible.
So with me personally, I got aDiscover it card and I had to
give them $300.
It might be different foreveryone.
You might only give a hundred,you might give 500.
I gave them $300.
It was Discover it.
(20:48):
They give me, they mail me backthat card.
It has my $300 on it.
I'm able to use that card and Ibelieve it was after 90 days.
It could have been more, itcould have been six months, I
don't remember.
But after paying that cardevery month on time and showing
that I was financiallyresponsible, they send me back
that $300 and then they extendedme their own line of credit.
(21:10):
So now that $300 turned into$1,000.
And now I could use it how Iwant.
And it was a credit card and itwas also being reported to my
credit.
Speaker 1 (21:18):
And you had $300 back .
Speaker 3 (21:19):
I got my money back and they gave me an additional
line of credit, so it turnedinto $1,000.
And then you can call, like Isuggested earlier, and you can
extend it.
So now it was $1,200,.
Speaker 1 (21:32):
And then you can call , like I suggested earlier and
you can extend it.
Speaker 2 (21:34):
So now it was $1,200.
Speaker 3 (21:37):
Now it was $1,500.
And then it was $2, and now Ican get things like Chase.
Speaker 2 (21:42):
Now.
Speaker 3 (21:43):
I can get a visa Now, I can get American Express and
get higher limits extended to meand things like that, so I
wouldn't be afraid of credit.
I would just be more afraid ofthat limiting belief that you
have.
(22:03):
Why would you want to use yourmoney when you can use OPM other
people's money?
Would you want to use yourmoney when you can use OPM other
people's money?
The banks you know and you justgot to learn your limits and
you have to learn thatself-awareness that you can
handle spending.
Because I remember there weredays where I would have credit
cards and I would just swipeaway.
I would have no intention ofpaying that back.
(22:23):
Just be honest with yourself.
Be honest with yourself, like,if you know you're going to get
a credit card and just swipe,swipe, swipe, swipe, swipe,
you're just going to use it forvacation.
You have no intention of payingit back.
They're going to report thatshit to your credit, you know.
And then what are you going todo?
Like you're never going to get,you're never going to get out
of that, that rat race.
It's very quick to get out ofit and you can continue to do
better.
So, yeah, don't be afraid ofcredit cards.
(22:55):
If anything, you want to pushback against them because, like
they don't honestly, theyhonestly don't give a shit about
you.
Like they're not there to.
Like they're there to help you,but they're really not.
Speaker 1 (23:07):
Yeah, they're really not, so it's like take advantage
, yeah they're selling yourinformation.
Speaker 3 (23:12):
They like they check your credit before they extend
it to you, but the second you'relate they report you like no,
fuck them.
Like pay it on time, don't runit up and then get another one
with a higher limit and then runthat up.
You know what I mean.
Like just keep taking thosestepping stones and leverage it.
You know what I mean.
Like push back, keep pushingback and then pretty soon you'll
(23:33):
have a $20,000 card.
You know, I think with my totalcredit cards I probably have
close to a million dollars injust credit cards.
Speaker 1 (23:40):
So let me ask you this and that might actually be
scary for some people, because Iactually spoke to somebody
about that before like they're,like can be why would I even
want to?
Like I don't even know what todo like.
Why would I even want that?
I'm like I'm afraid of that,right right so like and I like
how you said that, so you, so,so you, you.
You get access to this money,but you get access to opm and
form these credit cards rightlines, whatever stuff like that.
(24:01):
Then you're going to put it towork you want to put it to work.
Speaker 3 (24:04):
You want your money to work for you, yeah you're
working for your money or do youwant your money to work for you
?
Speaker 1 (24:08):
100.
Yeah.
So if you go to work, you'reworking for the money?
Yep, but if you leverage opmand get access to these cards in
these lines and you invest theminto cash flowing assets, then
your money's working for you,yeah, yeah.
Do you remember the first cashproducing uh asset that you
acquired using credit?
My?
Speaker 3 (24:27):
My first cash flowing asset.
Speaker 1 (24:28):
Yeah, using credit.
Speaker 3 (24:31):
So the first one I got, I got.
Take a guess, what doeseverybody get?
Speaker 1 (24:38):
Longevity mat.
Huh, car wash.
Longevity mat A G-Wagon?
Oh, you should know about it.
I said a cash producing asset,I didn't say liability, or did
you use it as a?
Speaker 3 (24:48):
cash producing asset.
No, I got a G-Wagon rightBecause I was I had, so my
birthday came around and Ibought myself.
Speaker 1 (24:56):
I would have said G-Wagon If I would have.
I see what you're thinking.
Speaker 3 (25:01):
So when you so, when I so.
When I had a good amount ofmoney, I bought myself the car
outside cash right.
I was just like'm gonna do this.
I had plenty of cash, I'm gonnabuy a car in cash.
I bought that.
But then mercedes has liketheir own car credit right, like
they have their own car andwhen you have chase you can get
like nine thousand dollars off acar and then with with the g
(25:22):
wagon, you can write that offtax.
You can write off tax wagons.
So a tax right opposite taxwagon tax.
I'm going to use that from nowon.
Speaker 1 (25:29):
Tax wagon.
Speaker 3 (25:30):
Tax wagon so you can write it off.
So then I'm like I'm going tobuy this, I'm going to buy the G
wagon, I'm going to privatelyrent it out and it's going to
pay for itself.
So I had a different vehicleand I used it as the trade-in so
I probably put it put it wasprobably like worth 60 grand,
(25:50):
put that towards it, got the gwagon um and it pays for itself.
It pays more than the paymentswould be.
Speaker 1 (25:57):
So, and not to interrupt you because I like
where this is going but when youwas the intention to acquire
the g wagon, to rent it outprivately yeah, because I
already have cars so it was justlike I know that's gonna make
me money yeah so I'm like I'mgonna privately just put it on
and rent it out.
Speaker 3 (26:14):
I don't use tarot, it's through our company so it
stays rented out.
We had an nfl player take itfor six months like we make
money off of it.
I just take it back, I get itwrapped up and detailed, cleaned
out.
It just constantly makes usmoney, um.
It's just about paid off Um andthen from there because it was
making so much money that it'spaid ahead.
(26:36):
It's paid through Um.
Then we take that and we boughtstorage unit.
Speaker 1 (26:40):
So I should do that with the Lambo down.
You should do that, why not?
Speaker 3 (26:42):
I'm about to yeah Like take it a couple of days a
month for yourself.
Of course, and then the rest ofthe month like put it out.
Speaker 1 (26:48):
Yeah, let it do what it do.
Speaker 3 (26:49):
Yeah, and then take the money from that, buy some
real estate.
We have a storage unit now, youknow, just because I don't care
about storage units, but peopledo, they produce it out.
Yeah, right, yeah so then wehave a storage unit, right.
Speaker 1 (27:10):
We have an apartment over here, over over the bridge
and why are I staying there?
Huh, how come I'm staying there?
Speaker 3 (27:12):
what?
How come I don't stay in there?
Come on, we can have a kickback.
Tell me about it.
Nothing, we was outside last.
Come on, we can go.
Let's go, we can have thekickback.
Let's go.
We have that.
We rent that out.
We don't do it through airbnbbecause, like no, fuck airbnb.
We want everything to staywithin the family, within the
house, right In the house.
Everything's in the house right, everything's in the house.
Speaker 1 (27:33):
Stay at home.
Speaker 3 (27:33):
Stay at home, keep it within the family.
We're not paying Airbnb.
Speaker 1 (27:36):
Can I get a stay at home?
Millionaire hat, have you madesome?
Speaker 2 (27:39):
I got some merch coming, I'll show it to you,
I'll show it to you off camera.
Speaker 3 (27:44):
But we got some merch Stay at.
But we got some merch Stay ahome, millionaire, everybody can
do this.
Speaker 1 (27:47):
Yeah, so how do you get so smart?
Speaker 3 (27:50):
I don't know, I have ADD, adhd.
But ADD and ADHD doesn't mean Ihave like high functioning
anxiety.
I think all entrepreneurs do.
Speaker 2 (27:57):
Yeah, I agree I think we all do.
Speaker 3 (27:58):
I think we all have to be a little delusional.
No facts and I think we allhave high functioning anxiety.
Yeah, but it's just, it'shonestly it's from from going to
jail.
Speaker 1 (28:12):
I have kids.
Speaker 3 (28:12):
You're in the south, so they say children yeah, right
, I got children.
Speaker 1 (28:14):
Yeah, children, how many children?
Speaker 3 (28:15):
you got, I got like 10, I'm just gonna say 10 okay,
let the people you got a couple.
Speaker 2 (28:20):
I got a couple, children got a few um, you gotta
take care of them.
Speaker 3 (28:24):
Yeah, you know I didn't come from a supportive
family.
I don't do only fans, not yet,not yet, and if you did
supportive family.
Speaker 1 (28:28):
I don't do.
Speaker 3 (28:28):
OnlyFans.
Not yet, not yet.
Speaker 1 (28:30):
And if you did OnlyFans you probably wouldn't
do it.
You probably hire somebody todo the OnlyFans for you so they
can produce it, so I can stay athome.
Exactly, I'm saying well, Imean OnlyFans, you can stay at
home too, but you know, True.
Speaker 3 (28:46):
I don't do OnlyFans You're.
I'm so booty, yeah, like I have.
I got children.
I didn't come from a richfamily, but a rich family comes
from me.
You're out here with the bars,you know, I didn't get a divorce
, I didn't come up on money.
I didn't get a settlement, Ididn't you didn't get a
settlement.
I don't go to OnlyFans, I don'tdo any of that.
(29:07):
Like people see a woman withher own money, that's what they
assume.
Speaker 2 (29:11):
Yeah, yeah, yeah.
Speaker 3 (29:11):
You know what I mean.
But no, it's not.
I just work my ass off.
I have kids.
I just didn't want to ever feellike that again.
When I got out of jail, theyliterally just give you a
bologna sandwich and anorange-flavored drink flavored
drink, because I'm an orangejuice, it's just orange flavored
(29:32):
something and they just let youout into the wild, you know,
and like I don't ever want tofeel helpless like that again
when I get turned down from anapartment because of my credit,
like that's fucked up yeahthat's fucked up.
I'm turned down from jobs.
I've been turned down jobsbecause of my credit 100 too you
know what I mean, like you feelhelpless, I can't get to and
from the job to pay for thisapartment because I don't have a
car.
Speaker 2 (29:50):
Yeah.
Speaker 3 (29:50):
Because of my credit.
Speaker 1 (29:51):
So you never wanted to feel denied from getting a
place to stay again.
No, that still haunted you, Iassume.
Yeah, yeah, especially notgetting that place to talk.
Speaker 3 (30:00):
I don't like being told no.
Speaker 1 (30:02):
Yeah.
Speaker 3 (30:09):
You like being told no, I don't like feeling
helpless.
I don't like having the answersto things.
I don't like, especially beinga parent.
I don't even want to say amother.
As a parent, as an active,full-time parent, I don't like
having to decide if we can paythe rent or the light bill, or
when it's back to school season.
Can we afford that?
That's an extra expense, butyou can put on credit.
(30:29):
You can pay it with your creditcard.
You always have credit cardsthat like my little best friends
yeah you know which one do Iwant to use today?
you know, and then you want tofund.
You can almost fund yourlifestyle.
Do you like traveling?
You get a travel card, you canget lots of points and then you
can fly.
You can fly for free, get freeupgrades, upgrades in first
class.
Speaker 2 (30:48):
You can travel hack.
Speaker 3 (30:49):
Facts.
Speaker 2 (30:49):
You know what I mean, that's one of my favorite
things Travel hacking.
Speaker 1 (30:52):
Yeah.
Speaker 3 (30:52):
Yeah, so it's like you can fund your lifestyle and
you're not using any of your ownmoney.
Whether, like I said, whetheryou work or you're an
entrepreneur, wealth is foreveryone.
Speaker 1 (31:06):
Yeah, so okay, let's kind of get to the particulars
here.
Okay, hey, listen, if you'relooking to grow your podcast
business or you're looking toleverage podcasts to grow your
business, you want to tap in tothe Podcasts, to Profits Academy
.
We're going to teach youexactly what it takes for you to
get more exposure, to grow andscale your business or leverage
podcasts so you can do morerevenue.
(31:27):
What you want to do is headover to podcast2profitscom and
apply to work with me and amember of my team.
Stay at home, millionaire.
We're talking about credit.
Speaker 2 (31:36):
Yeah.
Speaker 1 (31:36):
Multiple seven figures.
People are probably going towonder like how are you?
What are the products, what arethe services?
I know you're helping people,but what are the other verticals
?
What else do you offer thathave achieved to your revenue?
Speaker 3 (31:51):
What has achieved to my wealth.
Speaker 1 (31:53):
Yeah, Like what other ?
I mean, obviously you'recreating cash-proven assets.
Speaker 3 (31:56):
Right, right, right.
What are your current products?
That's like in my personal life.
Speaker 1 (32:00):
What's your products and services?
Speaker 3 (32:01):
So with me, for me as an entrepreneur.
I specifically help individualsmanage their credit Right.
So, like I said earlier, ifyour credit isn't 680 to 720, I
would help someone repair andmanage their credit so they can
start getting approved forthings.
I would help them understandcredit because a lot of us we
(32:22):
just go on our phone and we'lllook at credit karma.
That's not your FICO score.
You're never going to getapproved off of your FICO score,
right.
So I help people understand.
Speaker 1 (32:31):
So you mean you're never going to get approved?
Speaker 3 (32:32):
No, based on your based off of your credit Come
here.
Speaker 1 (32:36):
Credit karma is not, so you need a FICO score you
need your FICO score.
Your credit karma.
So so, if they're going to, ifthey're going to credit karma,
where can they go to get theirFICO?
Speaker 3 (32:45):
Annual credit reportcom.
Speaker 1 (32:47):
Okay.
Speaker 3 (32:47):
You get a free report .
Speaker 1 (32:49):
Annual credit reportcom.
Speaker 2 (32:51):
Yeah.
Speaker 1 (32:52):
Are there any of the apps that's going to give them a
FICO?
Speaker 3 (32:55):
Yeah, you can go to myficocom.
They're going to charge you forthat.
One Annual credit report isfree, so you can order your free
report right there.
You can see what's going on.
You can go to myfico that's amonthly subscription.
You can go to there.
You can go to Experian,transunion, equifax those are
separate you can go to those,but you want to know what your
(33:17):
FICO scores, because that's whatlenders are going to look at.
Speaker 1 (33:20):
That's the real meat and potatoes.
Speaker 3 (33:21):
That's the real meat and potatoes.
Credit Karma it's cool and allyou can kind of see what's going
on If you're not really usingyour credit.
It's cool and all you can kindof see what's being maybe
reported, but the numericalscores are more than likely
incorrect.
So, if you're like wow, I havea 720, 780.
No, you don't.
No, the fuck, you don't.
Speaker 1 (33:41):
Not on Credit Karma.
No, you don't yeah.
Speaker 3 (33:42):
No, you don't.
So I mean it's a Vantage score,so they're using a different
algorithm than your FICO, right?
So don't even stress aboutCredit Karma when it.
So it's not correct.
So what was your originalquestion?
Speaker 1 (34:01):
The question is um the product services Okay.
Speaker 3 (34:04):
Yes.
So if your FICO score is, let'sjust say, less than 720 and you
want help, you don't, you don'tneed to hire someone for help.
But if if you do want someonebecause they can do it on their
own, you can do it on your ownyou can do, want someone to help
you Because they can do it ontheir own.
You can do it on your own.
You can do your nails on yourown.
You can do your hair on yourown.
You can do your lineup on yourown.
You can change your oil on yourown.
Speaker 1 (34:23):
I don't know about the lineup part.
Speaker 3 (34:26):
But I can do the ball to be on my own.
The ball to be going crazy onmy own If right like.
But we pay for convenience, wepay for knowledge, we pay
someone we think we can trust,right, right.
But there's always going to bethose warriors cooking me in the
comments like you don't got topay nobody to help you fix your
credit.
My baby, daddy, sister, cousindid it on her own yeah okay, but
(34:50):
if you want help with yourcredit, I help people fix their
credit, understand their credit,manage their credit, get credit
, and I also help entrepreneursthat have their own credit
repair businesses or work withcredit clients that have credit
challenges so solar, cable, cellphone, real estate brokers,
(35:14):
auto sales and those that alsohave credit repair companies so
I help them.
I have a staff of how many dowe have right now?
17.
They're all on shore.
I don't have any overseaspeople, even though that's fine
if you do.
I personally have always hadpeople here with me Orlando,
Miami and Houston.
They're my staff and we providethe staff to do all the
(35:36):
processing, mailing, updating,customer service.
I have bilingual English,Spanish and Portuguese customer
service staff.
We do everything on your CRMfor you.
So all you have to do isconvert your sales over to a
client and we'll handleeverything from there.
(35:57):
And, like I said, we print offeverything.
We mail everything off.
We didn't do that If you are anentrepreneur, business owner
that works with clients.
If not, if you're an individualconsumer and you want help with
your credit, you can reach outto me and we do that as well.
So, yeah, we spoke earlierabout what I personally do with
my credit, my personal life thathas contributed, but most of my
money in my millions have comefrom me being an entrepreneur of
(36:20):
those two things and building abusiness, yeah.
Building a business from home.
Speaker 1 (36:23):
Absolutely.
Speaker 3 (36:24):
Yeah, a lot of people on my social media have seen my
journey go, so the proof isright there.
My receipts are right there.
I love receipts.
Your receipts are out to create.
My receipts are right thereBecause there's a lot of people
on the Internet.
I'm sure you know they're justloud and wrong.
Speaker 2 (36:37):
Yeah, loud and wrong.
Loud and wrong.
Speaker 3 (36:40):
Loud and wrong and you're just like come on, but
they're believable.
Speaker 2 (36:43):
Yeah.
Speaker 3 (36:43):
They're believable.
But then eventually you startto kind of see through the
layers of their bullshit.
So, that's why you're on thepodcast.
That's why I'm on the podcastIG and see receipts.
It's very obvious.
Speaker 1 (36:56):
Yeah, no, no, I like that, I like.
I really, I really like themessage that you're sharing,
letting people know that, hey,you don't necessarily have to be
an entrepreneur, but wealth isfor you.
It is, and this is the path thatwe can help you get there.
And then, once you're inposition, you got options, you
(37:19):
have opportunities, you gotdifferent things that you can
use to leverage, to get you cashbuilding assets.
Yeah, that way, get your timeback.
You know you have to break yourbone, break your back working
for someone else making themrich.
You can be building out likeyou said, like you didn't come
from a wealthy family, but awealthy family comes from you.
You're right with the bars.
That was a good one like that.
Speaker 3 (37:35):
Cut off that low-hanging fruit what's that
mean?
Speaker 1 (37:37):
like cut off that low hanging fruit.
What's that mean?
Speaker 3 (37:39):
Like, cut off that low hanging fruit, whether you
are a business owner or anentrepreneur, as I said.
Like, wealth is for everyone,right, but there's going to be
that low hanging fruit aroundyou that are going to hold you
back.
People places things, people,mostly people.
Speaker 1 (37:59):
Like some of your biggest supporters are the
reason why you're not doing shitsome of your biggest supporters
, yeah, are the reason whyyou're not doing shit.
Speaker 3 (38:03):
Of course, write that down like if you, if you take
like one of our mentors right,if you take the tiniest little
thing like a dime, a penny, acrumb, right, if you hold it
close to your eye, you're notgonna see anything besides that
because it's so close to you.
Some of your biggest supportersare so close to your eye.
You're not going to seeanything besides that because
it's so close to you.
Some of your biggest supportersare so close to you they're
supporting all the bullshit youdo your shitty mindset your
(38:24):
disbelief it's okay, you can.
Or they're like yeah, yeah, yeah, you can do it, yeah, you
should do it, or no, youshouldn't do that.
Or you know you can't do it.
They're supporting everything.
They're like your yes, people.
They're so close to you thatthey're the reason why you're
fucking stagnant.
They're the reason why you'renot doing shit.
They're the reason why you'rein the way.
Or they have secret, likejealousy or envy, that they
(38:46):
don't want you to level up, oryou want to take them with you
and like they don't want to go.
No, they don't want to go.
They're holding you back theydon't want to do the work.
They're sitting at your table totake a to-go plate.
Speaker 2 (38:56):
Yeah, facts.
Speaker 3 (38:57):
They're not sitting at the table to cook with you.
You are Just sitting there tofreaking.
Take a goddamn to-go plate.
You're going crazy right now.
Sorry.
Speaker 1 (39:03):
No, I'm wrong.
I'm wrong with that.
They're just sitting at yourtable to take a to-go plate.
Yeah, you know.
Speaker 3 (39:13):
I mean, sometimes you don't until you get hurt.
Honestly, sometimes you don't.
But you just got to keep an eyeon certain people, watch what
they say but, more importantly,what they're doing.
You know what I mean.
You can tell that fake supportwhen somebody's like must be
nice.
I got a must be nice the otherday from someone I've known for
30 years and we helped thisperson and then they got
(39:36):
themselves in a hole again andwe're like we're not going to
help you financially again.
But this is what you can do,this is what we can do, we can
do this together.
And then we got some snarky asslike must be nice, type shit
and we were like okay, so it'slike that.
But I mean you're just going towatch the people around you.
If they've supported you fromday one and they save space for
you to grow, they push you to bebetter, you to grow, they push
(40:00):
you to be better.
They don't put up with yourfuck shit.
You know they, I don't know,and you and it's mutual, it's.
It's going to be mutually.
You can't just take, take, take, take, take.
It's going to be deposits andwithdrawals yeah, deposits and
withdrawals, and you can trustthem and they show you with
their actions that they'regenuine and they really support
you and they're just happy foryou, without performing, yeah,
(40:20):
and this is gender neutral.
Yeah, this is gender neutral.
Um then, yeah, if they're, ifthey don't seem happy for you,
if they are just not showing upfor you in ways that they can,
it doesn't have to be anything,it just it could just be by
actively listening.
Yeah, facts, because, as anentrepreneur, especially like
you, need someone to be therefor you, like at the end of the
(40:43):
day or after a long day, becauseour days don't end, we don't
know what day it is, we don'tknow when.
The last time we ate or tastedour meal this whole week went by
hella fast I don't know, Idon't know, or like when we eat
we don't even taste the foodbecause our brain is going, or
we're typing away or we're onour something like we don't know
.
So just having people around youthat, uh, you know are there
(41:04):
for you and things like that,and just drop that low-hanging
fruit, those stagnant ass stay.
People that are just year afteryear after year doing the same
goddamn thing all the time.
They just don't want better forthemselves.
You try to put them in andthey're just like, and they're
just doubting it all the timeand like not everything's gonna
always work out, but even whenthe things don't work out,
(41:24):
they're still optimistic,they're still like it's cool we
got this stuff like that.
The people that can teach fromyou and you can teach them.
Learn from you and you learnfrom them.
And it's just that.
It's very.
They make it obvious.
Just stop looking beside, stopmaking, stop painting red flags,
green, cut the shit listen,you're gonna listen listen, I
got you're gonna trauma, stopthe red flags green we all do it
(41:48):
, damn, we all do it yeah, youand I really see that with
people too.
Speaker 1 (41:52):
I've definitely done that when it's like I like this
person.
We've been friends for a minute, you know.
I'm saying I feel like we got arelationship.
Yep, this is cool.
You see the signs.
You see the signs and you paintit green and just because you
got some history or maybe havesome moments, you're like you
know you, you feel it, you feelingratiated with the person,
(42:13):
like, yeah, this is my person,this is one of my people, yes,
but they ain't.
They ain't your people.
I learned the hard way a fewtimes.
Speaker 3 (42:21):
Yeah, it happens to the best of us.
Speaker 1 (42:22):
It just happened to me a couple months ago with a
homegirl.
Guess what she's out of hereOut Low-hanging fruit Right Gone
Low-hanging fruit, low-hangingfruit this is good.
This is good right now.
So I want to talk about yourmindset a little bit mindset
(42:44):
going into prison.
Well, it wasn't jail.
Speaker 3 (42:48):
It wasn't prison jail prison and jail are not the
same yeah, okay, your mindsetgoing in you was a hustler.
Speaker 1 (42:55):
You was getting to it , so you was getting to it, you.
You was getting to it, I wasRight, so you was getting to it,
you got out.
Yeah, Started getting to itlegally right, yes.
You didn't come from a family ofmoney, no Right.
So what helped your mindsettransition?
Get a little stronger and get alittle bit more intentional.
(43:18):
Really go after this financialliteracy thing, this wealth
building thing, being moreaccountable, more consistent,
more reliable just withinyourself, because we're the
first person that's going to dowhat we say we're going to do,
or disappoint ourselves, right,true?
So when did that click for you?
And then how you startedbuilding on that, because I
(43:39):
think that would be powerful forfor people to to hear your
experience with that if they'retrying to build that.
You know the green war, we'reoff on the on the flag, so now
they're seeing these people thatthey're removing the people you
know they put themselves in agood environment, so how do they
stop building?
Speaker 3 (44:11):
all these blocks.
I grew up in pretty much a veryunsupportive, abusive home.
I always had to rely on myselffor certain like for like the
first 14 years of my life, yeah,and then I had went with my
father who was on the other sideof that, very supportive, very
(44:31):
loving.
He was an entrepreneur.
So I'm watching an entrepreneurfrom one spectrum.
So I'm watching an entrepreneurfrom one spectrum, but I'm also
used to depending on myselfdealing with myself, from
emotional to figuring out how tofeed myself as a little kid
coming home from school, beingalone I'm used to that isolation
type thing and then I go withhim and he's taking me
(44:52):
everywhere hustling, bustling,doing all this shit and I'm just
getting loved on.
So I'm just like what is this?
So I'm learning, getting lovedon.
So I'm just like what is this?
So I'm learning how to likelove myself and do all that
watching an entrepreneur.
So then I go into adulthood andthen I fuck up and I see the
one person that pretty much saidthat he loved me, no matter
what, disappointed, right.
(45:13):
So when you, I'm not mad at you, I'm disappointed.
That like kills you, right?
That like that fucks everythingup.
So I think it was that pivotalmoment where I was like I got to
get this together.
I got to tap into everythingthat I watched that man do my
father, everything that Iwatched that man do just kind of
like all it just I don't know,I just hadn't.
(45:33):
It was like an anomaly for me.
It just all like came out and Iwas like that man believed in
me.
So I had to like borrow hisbelief and I just tapped into it
like I gotta figure this out.
I can't continue to do this shitlike.
I can't continue to do thisshit.
Like I can't continue to be outhere in the streets.
He's disappointed in me.
I can't.
That was awful.
Like I can't do this, so Ican't get an apartment or a car
(45:56):
or anything because of credit.
So that was like my, that waslike the.
That I fell flat on my facebecause of credit.
If they said it was because ofmoney or some other shit, I
would have tried to find thebest job.
Like I tried to go to Suffolkto get my MBA because I thought
that was the way.
I was like I'm just going to bea business owner, I don't know
(46:21):
what, but I'm going to go toSuffolk and get my MBA and I
like made it maybe one semesterand I dropped out.
I was like, fuck school, Ican't pay attention, I don't
like this.
The structure, like I can't do,I can't afford it, and I
dropped out.
So, like I'm a college dropout,I'm a felon.
I barely even made it throughhigh school.
I was like a solid D student,you know.
So I think, just always tappingin and just betting on yourself
, like I always bet it on myselfand I'm I'm at the bottom of
(46:44):
everything.
You barely made it through highschool, right, dropped out of
college, went to jail, didn'thave supportive maternal side of
the family Um, but I had thatone person that believed in me
was my dad.
So, like, think of that oneperson that believed in you,
whoever they are, picture theirface.
Speaker 1 (47:01):
They say you only need one.
Speaker 3 (47:02):
You only need that one.
Whoever it was, was it yourgrandmother, your auntie, your
dad, your mom, your brother,your sister, a caregiver,
someone that took you in as aparent, a brother, a sister?
Who was that?
Who was that one person thatbelieved in you, picture their
face?
And is it yourself?
because a lot of times it's notourselves yeah it ain't
(47:23):
ourselves, um, we're, we're hardon ourselves, but just picture
that one person, who it was, andjust tap into that and borrow
their belief and become a,become a fucking monster.
And it just created a monsterand I just have not stopped ever
since I'm looking at a monsterright now.
Speaker 1 (47:39):
I'm looking at a monster right now beautiful
monster, beautiful.
Stay at home, monster.
Speaker 2 (47:46):
Yeah you know, somebody's gonna do it
somebody's gonna represent Iheard it?
Speaker 1 (47:49):
I heard a scream on on online the other day too.
Speaker 3 (47:52):
That joint was I was so frustrated it it was crazy,
you said I was hitting thosebars you were saying those notes
, notes.
Hitting them notes yo.
Speaker 1 (48:00):
Man, this has been great.
Like this is going to helpsomebody?
I hope so.
This is for someone out thereright now, just a story of, like
you know, hustling, gettinglocked up, being an ex-felon,
coming out being a dropout.
You know what I'm saying.
Like you know what I'm saying.
Like you know, having friendsdisappoint you, credit fucked up
(48:20):
, can't get a crib.
You know what I'm saying.
And then you put it alltogether, and not only did you
put it all together for yourselfand your family, but you're
helping so many people at thesame time.
Either do it for themselves,put them in a position, or
helping them.
You know, do the same thing forothers.
Speaker 2 (48:38):
Right.
Speaker 1 (48:38):
That's amazing, thank you.
So how do people become stay athome millionaires, how they
shopping with you, how do theybecome?
Speaker 3 (48:46):
monsters too.
I mean, they can find me on IG,they can find me on Facebook.
They can go to my website.
It's diamondoutsourcingcom.
Diamondoutsourcingcom.
Myourcingcom.
My ig is nicole underscoreashley official.
It's a verified one, um, andfacebook it's nicole ashley, and
you'll know which one is me.
(49:07):
okay, because there's some fakeaccounts out there but, you'll
know which one's me on facebook,but tap in with me any of those
ways and if you want some helpwith your credit, if you want
some help um finding uh with, ifyou want some help with
financial literacy, I'm yourgirl.
You can become a monster, astay-at-home millionaire.
Either way, wealth is foreverybody.
Speaker 1 (49:25):
So my last question for you is this you got Diamond
Outsoilers Academy, let's justsay right, and you got young
people coming in there, right?
They need to leave with threeprinciples that they're going to
apply to their life forever.
What three principles wouldthey leave with?
Speaker 3 (49:45):
three principles.
Does it have to be financial?
Speaker 1 (49:48):
it can be whatever you want it to be they want to
leave with three principles.
They have to.
They can't graduate withoutthese.
They have to like, take theseprinciples that they're going to
learn from from yourenvironment, to make them better
.
What are those?
I?
Speaker 3 (50:01):
don't like giving people advice it's not advice
three principles, if I was doingthat yeah well, talk to me.
Speaker 1 (50:07):
What's three principles you give me to
improve my life?
What would you say to them?
What would you say to me?
Speaker 3 (50:10):
stay out the way.
Stay out the way.
Don't give a fuck like reallyabout anything yeah and um,
jesus three principle and shit,just use your credit utilize
that credit.
Stay out the way don't give afuck, use that credit stay out
the way, don't give a fuck,because people will really, uh,
(50:32):
tear you down facts and use yourcredit and use your.
Speaker 1 (50:35):
I like that cut up them.
Debit cards yeah, you got one.
We should make, we should havehad one a debit card, just to
cut one I got rid of debit cardslisten y'all.
Today's podcast was great.
I feel like I was hanging outwith one of my best friends,
just really kicking it, butreally giving the information to
y'all.
You know, I mean, like, makesure y'all tap in, uh, diamond
(51:00):
outsourcingcom, right,diamondoutsourcingcom.
Nicole underscore ask me oninstagram and nicole ask you on
facebook.
Yep, right, get the information, tap in.
If you want to learn how youcan be a stay-at-home
millionaire.
If you want to learn how youcan help more people, you want
to get your situation together.
If you want to get right, uh.
Or if you just want to learnhow you can help more people, if
you want to get your situationtogether, if you want to get
right, or if you just want tolearn more about what she got
(51:21):
going on and what she pulled upin and how she turned a G-Wagon
into a tax wagon.
You know what I'm saying?
Listen.
But another episode of the OnPursuit Podcast.
I'm Brendan.
This is Nicole Ashley.
Stay at home millionaire.
We'll see you guys on the nextone.
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