From Credit Score to Capital: How to Transform Your Financial Future

Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
If you're not willing to put time in for a little bit
of return, why would someonebelieve that you're going to put
time in for a big return?
If you won't do it when it'ssmall, you won't do it when it's
big.

Speaker 2 (00:08):
What is something they could do with the credit to
help them get out of thissituation or maybe generate
another associate income?

Speaker 1 (00:14):
At a $5,000, you know card you liquidate.
You only got $100 a month thatyou have to pay to the bank Like
anyone.
Follow what I'm saying.
Now you got something tangible.
You have a business that youcan fit.
If you can fit 5,000 inexpenses whether that's
marketing, whether that youstill got to work it but that
gives you something to go off.
So, like I said, most people$500 to $1,000, that changes
most people's life.
You follow what I'm saying.
If you can make an extra $500,that changes the car that you're

(00:42):
able to drive.
If nothing, like when just theextra $1,500 can actually
drastically change theirsituation.

Speaker 2 (00:47):
If you were speaking, to like a young college kid
right now who's getting theirfirst offer for a credit card.

Speaker 1 (00:53):
What would you say to them?
This goes back to the mindset.
But if you get it and yourfirst thought is I'm going to
use this to spend, you're goingto just spend it and eventually
you're going to spend it up tothe limit and it's just going to
be considered dead, you followwhat I'm saying.
Then you fell in the trapbecause you didn't think like a
actual investor.
You didn't think that wascapital too.
You thought of it as capital tospend, not capital to actually
create something.

Speaker 2 (01:23):
Welcome to another episode of the On the Pursuit
podcast.
We connect with six, seven,eight figure entrepreneurs.
I bring them on a podcast sothey can share their story how
to make an impact and inspiringso many people and exactly how
they've been able to do whatthey do so they can help you
improve your life.
And on today's episode we gotan amazing entrepreneur came all
the way from Tampa to sit withme to give you all an amazing

(01:45):
conversation and he got a lot ofinformation that you need to
tap into and actually implement.
So this is going to be one ofthe podcasts that hopefully
you're able to take thisinformation and implement.
So, kane, welcome to thepodcast, bro.

Speaker 1 (01:59):
Welcome, man.
I appreciate you guys having mehere, for sure.

Speaker 2 (02:01):
Yeah, yeah, yeah, 100% man.
I appreciate you guys having mehere for sure.
Yeah, yeah, 100% man.
So, um, one one thing I knowabout you is that you help a lot
of people, um, change theirlives, bro.
You help a lot of people changetheir lives, and, and, and it's
in an area where a lot ofpeople are afraid.
Right, and, and that area is ismoney.
Right, people have like a wholewarped sense of how they

(02:25):
approach money, or how they mayum think of how to use it or, um
, maybe getting access to it andsome of them getting a lot of
access to it, but then thatdoesn't always turn out to be
the best thing for sure.
You know what I'm saying.
So, um, how did you get in thespace of helping people, uh, get
access to funding and justhelping people, just get access

(02:45):
to more capital?
How did that come about?

Speaker 1 (02:47):
Got you, got you.
So for me, man, it really justI got active in it because the
first time I ever heard creditif I just go back, the first
time I ever heard credit, myuncle of mine.
I was helping him move andwhatnot.
I said, hey, I want you to geta little rental unit up there or
whatnot in the city.
He was moving up to Ohio and hesaid something about credit.
He was smoking a cigarette it'sso funny and he said my credit
shot and I never heard credit.

(03:08):
I was like 19.
So I said what's that?
And he told me a little bitabout a download credit card.
My right hand had like a 630.
He said that's great Hindsight.
That's not too dang good 630.
But I've always had afascination for it.
I started with like warehousejob and the only thing I would
do at that warehouse job it wascake.
I had to do nothing.

(03:29):
Really, it was just driving aforklift about 30 minutes of
every hour.
Anyway, long story short is Iwas able to educate myself and I
was just like credit.
Okay, how can I use this andleverage this?
Because you, especially withyou, know if you in the space
and whatnot, you're going to seeads and advertisers that show
you entrepreneur type stuff.
So it's always looking forsomething.
And one thing that alwaysgravitated towards me was credit

(03:51):
.
You follow what I'm saying, soI can talk about it forever.
I can think about it forever, Ican.
You know, I was alwaysintrigued with that.
So when it came to helpingpeople, um, as you know, I
always had good credit, you know, and I was like hey, I can, I
can show you a little bit ofthis, I can show you a little
bit of that.
So it really started gradual.
You know, whenever you'retrying to advance your life and
self-development, you always tryto put your people on first,
you know, and those are thepeople who are most reluctant at

(04:12):
the beginning.
But that's kind of how itstarted and you know before, you
know after a little while withit, you know you get a little
name for it.
But that's kind of how I gotstarted and I kind of forced my
people into it.
When I decided to go full, fullticket with it, I said, man,
send me your credit profile.
I'm sending you this link, youknow, go sign up for your credit
, I'm going to fix it.
So I kind of got my name bydoing that right there.

(04:35):
That's how I got started.

Speaker 2 (04:51):
And I wanted to people like that right there and
start and build from there.
What was the fascination withit?
Because, like you said, you hada warehouse job, you were doing
a forklift.
What was the fascination aroundit that got you so intrigued
with it?
And then, obviously, it got youout of what you were doing.
So what about credit?
Got your mind spinning.

Speaker 1 (05:00):
I got you.
So I think, like I said, soit's rooted.
I guess it would say I wasrooted with real estate, I like
real estate and I was okay, well, you need OPM.
I'm like, what is this OPM?
But Robert Kiyosaki breaks itdown that's just credit.
So when you hear it consistentI think that's what it was you
really hearing a quote, unquotethe blueprint, like they say,

(05:28):
borrow debt to use it to buyassets.
So it was just conceptual.
If that makes sense, it's likethat's the way to go, that's the
capitalist way.
So when you're looking at itfrom that standpoint, I'm like
well, this is what thebillionaires are doing.
This is how the country hasadvanced.
They leverage credit and useterms and creative financing to
take it to the next level andthat's the reason that our
country is in this level.

(05:49):
So, regardless of what you mayfeel about the country or where
you at and whatnot, it's thissystem.
Everything is built on credit.
You work on credit If you worka nine to five, and there's
nothing wrong with that.
If you work a W-2, everybody'sworked that If you, everybody's
worked at, if you work a w-2,what do you do?
You go there on terms and youwork two weeks before you ever
get paid.
So that employer is gettingcredit.
Credit is just getting goods orservices before payment.

(06:10):
That's the way to look at it.
That's all it is.
So rappers, the same way, theyget in advance, that's credit.
They might have cashed out on acorvette, but they still owe
the bank or they still owe that.
That's still credit in someform or fashion.
Just because it's beenliquidated and turned into cash
and they have it in their handsdoesn't mean it's still not
credit.
So everything's credit, likeeverything.
But going back to it, like theemployee.

(06:31):
So if you are working, you gotto work two weeks before you
ever get something, so you arethe credit in that sense.
They get an employee for twoweeks before they ever have to
cut you a check.
So I feel like it's literallyyou're in the credit system
whether you want to be or not.
It's almost like a matrix.
You're in it and you're forcedto be in it.
So you can learn the rules, youcan learn how to adapt in it.
You can opt out.

(06:51):
There's so many ways you can doit.
I just chose to monetize.

Speaker 2 (06:53):
Maybe you're someone that used to be like me, where I
didn't really have anyone thatcan hold me accountable, nor did
I have a group that I feltcomfortable about.
You know what these are.
This is my tribe.
I can grow.
Well, listen, we put thattogether Podcast school.

(07:14):
I'm teaching you guysmonetization secrets,
accountability, discipline, howyou get better with content, and
this is just a group that youwant to grow with.
Click the link below.
Join, let's go.
Yeah, I got you, got you.
So the easy question, or typicalquestion, I feel like, would be
so many Americans got badcredit.
You know, why do you think theyhave bad credit?

(07:36):
You know what I'm saying, butwhat I want to ask you is
there's a lot of people out herethat have good credit.
Yeah for sure, but they don'tknow what to do with it.
They don't know how to leverageit right.
They probably haven't evenlooked at it, or maybe they
pride themselves on just havinggood credit.
So someone's watching thisright now or listening to the
podcast, and they actually havegood credit.
Yeah, like, what are somethings they can do with it and

(07:57):
why should they considerleveraging their credit?

Speaker 1 (08:01):
Okay, that's a great question, because that's half of
people I mean we got people whohave I think it's like 40, 50%
of people have bad credit.
About 40% of people have quoteunquote unfavorable credit.
And there's the other half thathave good credit.
They don't know how to leverageit.
It's because you haven't beentaught the power of it.
No one's been taught that.
I was in that same position, soI had good credit, but I didn't
learn until like 25, until howto actually stretch it.

(08:21):
So I only had one credit carduntil I met a mentor who was
like why you have one when youcould have 20?
I never had my mind stretchedto that.
No one asked me that question.
So people have good credit orthey have one credit card, but
they think that credit cardsequal debt.
You follow what I'm saying, sothey fray away from getting
credit cards.
You follow what I'm saying andthat's the only things they hear
about.
They only hear about creditcards, auto loans and mortgages.

(08:43):
So that's all we're taught.
We're not taught the lendinginstitution how to go get a
commercial loan.
There's people who have thelimited belief that you can't go
get a loan to build a product.
There's people who are usingcredit.
They're getting paper.
They're getting architects tobuild, to create some paper.
Say we're going to build it.

(09:04):
So no one's ever told you likeor posed the question like you.
Sure you're doing everything youcan with that.
You've got a 750 credit Likeyou were thinking about an
investment.
Sometimes they havefundamentally wrong like mindset
about it.
So you want to save money.
You got good credit and youwant to save the money.
You're working hourly to savemoney.
So if you're trying to save$10,000 and you're doing it at

(09:24):
20 hours a pop, you're going tohave to work 500 hours when you
could just literally leverageyour credit today and get into
that thing.
So let's just say it takes you.
Now we're talking about 500hours.
Most people work 2,000 hours aweek.
So I'm at 2,000 hours a yearannually.
So an extra 500 hours, that's awhole quarter.
It's a whole quarter.
It's a cold quarter.
So you got to put that up.
You got to work overtime justto say that up, when you could

(09:45):
just leverage your credit andget into it.
But people haven't been taughtthat.
They think credit is debt.
They don't understand howservicing and it works so well,
and I think that's a big thing.
It's a knowledge, it's aknowledge barrier.
It's the you got to get bit bythe bug in a way, or someone has
to introduce you to how toleverage it so you got good
credit.
There's many different ways youcan leverage.
You got a credit card.
You can start making incomefrom it.
It depends on what you want todo.

(10:05):
So I feel like it's aboutfinding out what your risk is,
what your risk tolerance is,because credit is debt and you
will have to pay it back.
So a lot of times people get onthere and they start talking
about credit but not talkingabout payment plans or
restructuring.
So that's one thing I specializein showing people the nuance on
it, cause I don't understandjust credit.
I understand debt Cause it'sall, it's all money, it's all
debt.
So I think that's the big partof it.

(10:26):
You got to understand how toleverage it.
So most people can leverage itby getting extra credit cards to
.
The first thing is if you gotyou know, 24, 24, let's say, 24%
interest credit cards, you gotdebt piled up.
Leveraging your credit.
Just on a excuse me, just on astrategic note of you getting
credit cards that have lowerinterest.
So that might help someonewho's you know trying to.
They're debt averse, butthey're trying to get out of

(10:47):
debt faster.
So it all depends on yourstrategy.
Or someone might be like hey, Iwant to use credit, I got 50,000
in debt, but I heard this thingof using credit.
Let me go get a 10K credit card, let me go get more debt.
Because I believe if I createan income source, I create a
business that can generate anextra $2,000 to $5,000 a month
that can help me pay my debtdown faster.
So it really depends on yourinvestor DNA.

(11:10):
How do you like to invest money?
So for me, I have a hightolerance.
I can pull the whole creditcard and I understand how the
debt works.
If I pull a $20,000 credit card, max it out, understand the
payment is.
If you've got a no interestcredit card, the minimum payment
might be only 2%.
2% is only $400.
Would you take 20,000 right nowfor a monthly payment of $400?
Rob Markman.

Speaker 2 (11:30):
So a lot of people wouldn't though.
Rob Markman, you're right, robMarkman, a lot of people
wouldn't, because I remember soone of my friends, she was going
to invest in a business RobMarkman, yeah, rob Markman,
right, and she had maybe $50,000, $60,000.
In savings.
So she was like she was likeBrandon, I'm about to get in
this business, I got the money,I'm going to buy an online store

(11:51):
, whatever, whatever.
So I'm like don't use thatbread, like let's go get you an
LLC, get you set up, get youaccess to some business funding,
let's leverage excuse me, let'sleverage that money and then
your money's chilling and thenyou can use that money to buy
the business and you still haveyour money.
But a lot of people would beafraid of that.

(12:12):
You know what I mean.
Yeah, it's like we live inAmerica's interesting because
it's like we live in a placethat got so much going on, but
we also live in a place whereit's like you can make something
out of nothing For sure.

Speaker 1 (12:28):
Absolutely, you know what I'm saying.

Speaker 2 (12:29):
So it's like if someone has a really good credit
score right now they working aregular job, bro, maybe they
making the minimum 50,000.
Yeah, how much power do theyhave with this credit that
they're not using?
And what's something realistic,like not something outlandish

(12:49):
because you got a high tolerance.
But if someone just have like adecent level of tolerance, what
is something they could do withthe credit to help them get out
of this situation or maybegenerate another source of
income?
Rob Markman.

Speaker 1 (13:02):
Got you, got you.
So if I'm taking that, bro, I'mtaking the information you just
kind of gave me right then,like I said, my company is
called TaylorMade Consultingbecause we tailor make solutions
like this.
So if I'm thinking of somethingin that situation, I do this
all the time.
So I would break it down likethis you have a low tolerance
for debt.
Someone who's working, you know, got some income coming in, got
a stable income coming in.
Just have a.
Let's say, you get one cardright $ $5,000 to start a

(13:29):
business that you're passionateabout, right, that's enough to
where you can take all the moneyright and then start your
business and only have a smallpayment.
Like I said, it's all aboutunderstanding the cost of money.
So if you understand the cost,you'll borrow more effectively,
you feel what I'm saying Becauseyou're educated, you can
understand what it's going tocost you.
People just hear debt and it'stoo vague.
It's like, oh, it's debt.
You feel what I'm?
Debt, debt, debt.

(13:49):
Some debt can help pay you.
So if you liquidate a card 5,000, and anyone can do this Anyone
who has good credit right nowcan go get a 5K credit card or
go get two for 2,500 and you add5K total.
The point is take that moneyand you can start a lean
business.
Take 2,000 to 3,000,.
Start a very lean business.
Basically, invest in littlemarketing materials.
Invest in whatever it is,whether it's a t-shirt business.
Just start small right, becauseyour only goal is to service the
debt.
You got to get known anyway.

(14:10):
So it takes time to actuallybuild your business.
You're not going to launch inthe first month to make money
the first very month.
So if you keep it small and youunderstand the cost of the
money, if you borrow 5K and yougot a 2% minimum payment every
month, that's about a hundredbucks.
Everybody can afford that.
So now you've got your sidebusiness.
Too many people are looking atthe total number 5K in debt.
You're not looking at themonthly, it's okay to hold debt.

(14:33):
People are holding studentloans.
People are holding car loans.

Speaker 2 (14:36):
And they're cool with that.

Speaker 1 (14:37):
And they're cool with car loans.
We've been trained that, okay,you've been cool.
I was talking to me I'm coolwith getting a $300,000 mortgage
, but I said but you won't takea $3,000 loan for a business.
That doesn't make sense, yeah,so you're trained to think it's
okay to get a mortgage, yeah,Like it's okay to do this, but
this is scary, right, but to nottake less debt,000 mortgage is

(15:05):
okay, it's acceptable.
So sometimes it's just rooted inthat.
But going back to the questionyou asked, so if you had a
$5,000 card you liquidate, youonly got $100 a month that you
have to pay to the bank.
Anyone can leverage that.
Now you got something tangible.
You have a business that youcan fit.
If you can fit $5,000 inexpenses whether that's
marketing, said most people,$500 to $1,000, that changes

(15:28):
most people's life.
If you can make an extra $500,that changes the car that you're
able to drive.
If you're able to make an extra$1,000, that can change the zip
code that you're actuallyliving in.
So many times people think thatit's Lambos or nothing, when
just the extra $1,500 canactually drastically change
their situation.
You follow what I'm sayingsituation.
So that's like I said.
That would be the leanest wayto just keep it simple.

(15:49):
Start small and then you getyour debt tolerance up.
Maybe you advance.
Let me get 20,000.
I'm going to take that and I'mgoing to grow the business even
more.
But start small, keep it lean,all right.
So check this out.

Speaker 2 (15:57):
College kids are basically targeted for credit
cards, for sure, and generally,when they get out of school,
there's a high percentage ofthem that have bad debt.
So if you were speaking to ayoung college kid right now
who's getting their first offerfor a credit card, what would
you say to them?
What would you say to them?

Speaker 1 (16:17):
I'd say rock with it because, like I said, I'm always
going to say rock with it.
Just use the debt, understanddebt and use it affordably.
So most people who get thosecredit cards, they only get
approved for $300,000 to$500,000.
It's not a whole lot on thosecards, but they use it as
spending income.
You follow what I'm sayingDiscretionary spending income.
Just swipe whenever you can usethat same money.
I guess everything's amarketplace.
You can just buy and sell.
They're in college, there'splenty of college kids.

(16:38):
You use that money to buywhatever type of inventory you
buy.
Okay, I got a $, buy it offthis, buy this laptop off of him
.
I'm going to sell it for 400.
Just repay the card.
So, like I said, and that'sstarting small, so I think that
just goes back to the mindset.
But if you get it and yourfirst thought is I'm going to
use this to spend, you're goingto just spend it and eventually

(16:58):
you're going to spend it up tothe limit and it's just going to
be considered debt.
A actual investor you didn'tthink that was capital too.
You thought of it as capital tospend, not capital to actually
create something.
$300 goes a long way you can goand buy.
You can go look at FacebookMarketplace and go find plenty
of free stuff.
I know it sounds conceptual,but you can go find plenty of
free stuff.

(17:18):
If you had to walk to pick itup and just resell it.
I mean, you really day?

Speaker 2 (17:21):
Well, I have some but I almost bought a second pair
off of Facebook Marketplace for250 and I was just going to
resell it for the 300.
Just get that little RobMarkman.
50 bucks, rob Markman, yeah,100%.

Speaker 1 (17:36):
Rob Markman, you might be driving downtown.
You might be driving downtowngoing to Chick-fil-A and you're
just like Rob Markman, that'scrypto.

Speaker 2 (17:42):
Put that $50 on.

Speaker 1 (17:43):
I'm telling you, I mean so like small stuff like
that right there, brother, Imean sometimes people look at it
as it's too.
It's not worth the time.
But if it's not worth the timenow, I mean you follow what I'm
saying.
If you're not willing to puttime in for a little bit of
return, why would someonebelieve that you're going to put
time in for a big return If youwon't do it when it thing?

(18:04):
If you ain't doing it now, youdefinitely going to do it later.
If you ain't saving $10, youain't going to save $100.
If you got $100,000 right now,you're not going to save it
because you ain't even saving$10.

Speaker 2 (18:13):
You thought you couldn't.

Speaker 1 (18:14):
You follow what I'm saying, so that all comes back
down to this Whatever is in,this is how you're really going
to dictate in life.
One who has failed at thatlevel Like I said, high risk man
, 400,000, 500,000 of creditdebt had to almost file
bankruptcy because not using itthe right way.
So I understand, starting inlean, keeping it straight that's

(18:36):
the biggest thing, keeping leanand then scale up for sure.

Speaker 2 (18:38):
What are some of the misconceptions about credit that
you ran into with clients thatyou dealt with?
So not just in general, butwhat are some of the things
you've heard specifically withpeople in their mindset around
credit?

Speaker 1 (18:51):
I got you, I got you.
So I've heard it all.
Man, Like I said one thing withdealing with clients and with
that, everybody's perspective isdifferent.
So they have preconceivednotions about how credit works.
And when I had one guy it's sofunny he was saying okay, look,
if you can get me.
He was trying to sign a program.
He was like, if you can get mycredit fixed by the weekend, so
I can get me a new car, he saidI'm good, I'm on my app right
now.
So imagine that he thinks thatI can go in and just rearrange,

(19:14):
Like I'm just going in andracing.

Speaker 2 (19:16):
Imagine that you could just make it happen like
that, right Like.

Speaker 1 (19:18):
I'm on that right now .
Go ahead and do it.
Perspective of like I said,there's some people that we have
, clients that have already cameto us and got 70 accounts on
their profile.
They only came for theadditional guidance and the
other things.
So there's all walks of life,I've seen people come in with
just student loans.
So when I look at your creditreport, it tells me about you.

(19:41):
Well, I've fixed people.
I've fixed I have beforehandI've offered payment plans to
certain people and I'll give youan example.
So if I offer a payment plan tosomeone and then I go on their
credit, right, then I see thatthey have credit builders on
there, right, and that's whatstarter accounts and you've
already messed those up, right.
What does that show about yourpsychological spending habits?
You follow what I'm sayingyou're probably not.
And then those plans later onwent to like your credit shows

(20:02):
you a lot about how you think.
Psychology, uh, psychologicallyand whatnot, man, rob Markman.

Speaker 2 (20:07):
That's a good point.
I never really conceptualizedthat, thought that
psychologically thinking, theway somebody's report is kind of
dictates how they might thinkRob Markman, yeah, for sure, rob
Markman.
So what would you feel likewould be step one If someone
wanted to change their mindsetaround, because this is the
thing.
I could go to you, or someonecan go to you and they can get

(20:28):
their credit fixed, for sure,but their mindset is not fixed
Absolutely, so they might haveto come back to you.
Yeah, so let's say, someonegoes to you to get the credit
fixed, what are some tools thatmaybe you suggest?
So you leave them with so theycan start working on their
mindset, so they're not in thatsame situation I got you.
Well, the first thing I say Ithink that's first.

Speaker 1 (20:44):
That's the first thing I say I think that's first
, that's the first thing.
So, if you're not addressingthat mindset, number one is
learning the power.
You got to learn the power.
If you got a 750 credit and youdon't have access to 100,000,
what the hell are you doing?
Because you follow what I'msaying no-transcript, a good

(21:16):
credit score, and you don't havethat.
You, you've been sleeping on arod because it's easy to get,
you can.
It's stated income.
You follow.
I'm saying so if you don't haveit, it's a paradigm.
Another thing if you haven'tgot it, you have, you don't have
the same paradigms as someoneelse who has had it, because you
haven't experienced that, andthat changes everything, that
changes the game.
So, um, I feel like you're like, you're like you're getting
that like psychological iseverything.

(21:37):
But, um, when it comes down toactually like, uh, understanding
how, when it comes down tounderstanding exactly like what
you need to do, you need tolearn the power of it, you
follow.
I'm saying, if you learn thepower of it, then you okay, I
gotta take it serious follow.
I'm saying, yeah, because I, Ican give the game in an hour, I
can give all the game two hours,master.
But if you don't have thatright mindset, that's the first
thing.
You got to understand the power.

(21:57):
Then you got to reprogram thatmind and that takes time, like
I've.
How I learned this?
I bought mentorships.
I learned I bought manymentorships with the credit
cards I got.
So I reinvested, got creditcards, used those to buy
mentorships, to learn moreinformation.
And I was driving you know,trucks and I'm learning the
information every night.
I'm just learning information,soaking the information, like is
this really possible?
You follow what I'm saying,reprogramming my mind.

(22:18):
And what actually pushed me overthe edge is I was in the
trucking industry and then I wasa partner one day and I had my
kids in the truck, I had my wifein the truck and I was like you
know what?
We got 750.
She got 750.
I can't be sitting on thesidelines because I'm scared.
Like I said, I can speak forthis because I was there.
I was scared to even apply witha 750 credit score.

(22:41):
Sat there with the Truist.
Truist is one of the good ones.
So if you guys, truist isreally good, you don't have to
have no money in the account andthey'll give you money.
They gave us a $40,000 loan,$25,000 business card.
They give the money out, guys.
Truist is one of the good ones.
So if you guys on the Eastcoast, they're solid.
But I parked up right and thenI said let me use my wife as a
guinea pig.
So I went on and I used hercredit score.

Speaker 2 (22:59):
I'm going to mess hers up.

Speaker 1 (23:02):
first I heard this little hack.
It was like hey, man, if youapply for three cards, if you
get approved, they'll give youthe same limit on every one.
So I tried and they gave uslike 7,000.
They approved it for 7,000.
I said, let me try anotherapplication.
I did two more applications andthey gave us 7,777.
So I was like whoa, whoa, whoa.

(23:22):
So I just sat here in 30minutes and I got 18.
So 18, 22, 40,000 in like anhour.
I was just sitting there andthen the cards in the mail.
I'm like this is crazy.
So that right, there was aparadigm shift for myself and I
feel like some people aren'teven hitting apply.
They can do this right now,Like if they're watching this
and they're like I hope they'remotivated to go hit apply right
now, because you never know,that can change your life.

(23:44):
They let you invest insomething that you ain't have.
So it's about access to money.
It's okay to have a little bitof debt.
What is the debt?
Good debt If you're spending onmasterminds, if you're spending
on and, like I said, spendwithin your range.
But if you're spending onmasterminds, if you're spending
on things that actually going toelevate you, you follow what
I'm saying.
Is it good debt, Is it bad debt?
That's on you to decideactually changed your life oh,

(24:04):
man, like I said it.
So, like I said, everything's aleverage for me.
I'm always about sacrificing toget to the next level.
So I was working in thewarehouse, I was on the way to
get my see my kids when I littletruck driver had, you know,
tapped me and whatnot, uh,caused a little accident,
whatnot?
I was speaking to him.
I was speaking to him aboutmoney.
I was making about sevendollars a week in the warehouse.
I'm like man, I'm all about themoney, man.
So I'm like man, what y'allmaking over there?
Man, can I make at least athousand?

(24:25):
Just think about the thinking.
Man, like I said, it's allabout the thinking.
How you think where my levelwas.
I was accepting 700 a week, yeah, but then I'm I'm looking for
something else.
I say, hey, man, uh, what y'allmaking?
He's like I can make my 1250,man, I'm trying to.
You know.
He's like, yeah, you can't.
So, long story short, I getinto it, but that's how.
So that changed my perspectiveon money, because I what 700 was
a week, that's.
That's a differentpsychological pattern.

(24:45):
You're used to different thingswhen you're making $700 versus
if you're making $1,000 or$1,500 a week.
Those are two different lives.
You catch what I'm saying.
So it was that going to thatlevel and I was like, okay, well
, what about this?
Like I said, I was in the truckindustry.
How do I make it even more?
Can I make $2,000 a week,$3,000 a week?
So I went to another companyand I leverage this money.

(25:06):
If you're making 3,000 a week,how can I leverage this?
So a name drop I bought one ofhim 500 courses a couple of
years back, two years ago, and,like I say, it was pivotal for
me.
That's how it changed my life.
I was able to learn before Iever took action.
I was able to learn and look atall the course material.
I'm like, okay, this guyalready had good credit.
I just didn't know how toleverage it.
I didn't understand the power,I didn't understand this car,

(25:28):
this and this, and I already hadmortgages in my name.
So when I went out, likebecause of real estate, I had
properties from the get-go.
That's how I got into justentrepreneurship in general,
with, you know, just buyingproperties.
But I was doing it cash, I wasdoes it cash flow?

(25:56):
I was like, yeah, I bought it.
I mean, you know, I'm saying,and I just pulled it off a card
and I was like, so being able tomove, maneuver, when you once
only thought it was like a dreamto be able to move in and shake
and make plays, your credit wasable to allow you to do that
and it can help anyone do that.
So that's, it gives youliquidity and allows you to move
and allows you to break freefrom mental paradigms, because
when you only looking, when youonly looking, you know 10, 15

(26:19):
days down the road because yougot bills down the road.
You follow what I'm saying you.
It's hard to see what's next,it's hard to see what's around
the corner, hard to see what youreally need to to work on.
But when you got some credit,you got a hundred thousand of
credit, those bills kind ofdisappear, those problems kind
of disappear.
Yeah, it's still dead but, likeI said again, you have access
to it.
You got time, you got things.
You follow.
I'm saying you can actuallyfloat, but if you're not into
the money system, like well,that's what credit is, it's the

(26:41):
money.
So if you're not tapped in, beable to experience those things.
So that's the biggest thing.
It changed my mindset.

Speaker 2 (26:48):
So I'm with you.
So there was a point where Ididn't know that power either.
And, man, I had a clothingcompany and I funded the entire
clothing company by using cash,cash ooh, you know what I mean.
And it was me and a businesspartner and I basically funded

(27:10):
everything.
And the thing about it is,because I didn't know the power
of credit, I didn't know thepower of leverage, I basically
allowed my home to go intoforeclosure because I wasn't
paying the mortgage.
I was using the money to fundthe clothing company when I
could have just I could havejust bought against the property

(27:32):
.

Speaker 1 (27:33):
Yeah.

Speaker 2 (27:35):
Or set up my business structure properly and then
just got access to funding.
Yeah, so that's major andyou're right Like having that
mindset or just having thataccess to information that
automatically changes yoursituation.
You know what I mean.
So now the individual you areright now with the, with the

(27:56):
mindset that you have and accessto credit and capital.
Now, how do you look atopportunities?
How do you look at business?
How do you look at cash flow?
Let's say something waspresented to you this upcoming
week.
How would you approach it?

Speaker 1 (28:10):
Got you, got you.
So I feel like you got to be,you got to be mindful, because
when you are tapped in and youdo have solid credit right and
you get access to it, there'sgoing to be other avenues.

Speaker 2 (28:19):
There's always going to be avenues.

Speaker 1 (28:20):
You follow what I'm saying If you're on Instagram,
you got to be careful who youmessage.
Everyone's trying to sell yousomething.
So, like I said, you can getbit by a bug and you can go a
little too fast.
So I feel like, like I said,it's about understanding and
taking it slow because, like Isaid, you get access to it.
It's kind of like a lighterfluid.
If you get access to it and youjust want to buy things, you
might just go out there and buya bunch of courses.

(28:42):
You might just go out there andbuy a bunch of things.
So I feel like it's aboutkeeping a level top.
You can't go too crazy with ittoo fast.
You got to give yourself timeto actually learn and adapt and
use this stuff, because you gotto learn lessons along the way.
You don't want to crash andburn too quick.
You don't want to crash to burntoo quick.
So, for me, I feel like the mostimportant thing is just to

(29:04):
understand what you're gettinginto and then learn how to vet
stuff, because once you get it,you can just get into anything.
Oh, I can Bitcoin, I got this.
I can stocks.
You got to learn what you'redoing.
You got to learn what you'redoing.
You got to know your path,because getting access to
capital, that's my thing.
That's a form of a business,right, and you can make a
business out of getting capital,helping people get credit, but
that's actually a skill.
If you get capital, you stillhave to be a business person and

(29:26):
then you have to start abusiness.
That's a whole different skill.
So have and other people canget.
But I feel like whenever you'relooking at an investment, if you
got access to it not access toit, but access to the capital
you got to vet things properlyand make sure that you're
getting something viable.
Is it long-term?

(29:46):
You got, like I said, lining upwith your investor DNA.
Don't just be jumping intothings that sound good.
I've done that as well businessto business and in my youth and
whatnot, because, like that'swhat you think, there's
something.
You got to find something thatyou like.
For me, credit was solid, soI'm not going to veer too far
out of that right there becauseI can make money within the
credit space.
A lot of people can make moneywithin just knowing credit

(30:07):
knowledge as well, like, forinstance, like being able to
travel you follow what I'msaying.
Like that allows you, if youhave credit cards, you can get
one or two credit cards, like alot of people can.
Just, you got 750 credit, get aonce or two credit cards a year
, right, like travel creditcards, and that that's a that's
a whole caveat.
That's not even talked aboutand that's not even.
That's not even I'm talkingabout travel hack.
I'm just apply for one or twocredit cards that are rewards,

(30:29):
get them and spend the moneythat they tell you.
Just put your rent on it 2 000rent, everybody's paying 2,000,
3,000, $4,000 rent.
They're saying, hey, spend$4,000 in 90 days, come on, put
your rent on it.
One time and you're solid.
Now you get the 100,000 pointsand you're solid.
So it's small things like that,right there.
But when it comes toinvestments and whatnot, how I
look at it is it's a differentframe that we're talking about.
If I know that I can get accessto capital at any time, you,

(30:58):
it's way deeper.
I was, we were talking in mybusiness partner, trevor, we're
talking about it beforehand,talking about airbnb, and we're
just they're getting one.
We've had that before, but likegetting another one, well,
because we've done one before,it's you.
You speak faster, you're able toput frames together quickly.
Oh, yeah, let's do this, let'sdo this.
You don't have to have thecapital.
If you know how to get thecapital, you're always good.
Yeah, you follow what I'msaying.
Okay, well, I don't have thecredit.
This person don't have nocredit.
Let's put it together.
You understand the creativityof it.
So I feel like that's the bigone right there.
Understanding the creativity ofit, you don't have to have no

(31:18):
money.
If you know how to get money,you're like well, I can have no
money, but I can leverage thisthree-digit score, called a
credit score, that everyone whohas a social is born with.
Let's just use that to getmoney to start the business.
You don't have to have how muchaccess to funding do you have Me
About half a million dollarsfor sure?

Speaker 2 (31:36):
So you got access to half a million dollars of
funding.
Do you feel like you can haveenough funding or is this
something you will continue toget access to?
Do you think like half amillion is enough?
Would you get a million?
Would you get a million five?

Speaker 1 (31:49):
Yeah.
So no, I don't feel like I'm ata point where, like I said,
it's all limiting, like I said.
Like I'm at a point where, likeI said, it's all limiting, like
I said, it all depends on yourlittle beliefs and whatnot.
I'm at a point where I justfeel like I want more.
I just continue to want more.
So I feel like it's a goal,like for me, it's a goal thing.
It's like okay, now I want toadd another five hundred
thousand dollars on it to thisyear.
You know I'm saying so.
Like some people have like anincome.
Well, I have an income goal too, but I also have a access to
credit goal.
So every oh, I'm making money,I need access to capital.

(32:14):
Because what if that money,what if I put that money into a?
I can have a good payday 200kthis month but what if I go
ahead and invest this money?
Because I'm thinking thateverything will be solid when I
could have just got extra 200000 in capital.
So it's you want to attack both.
You follow.
I'm saying so.
The same way, you want yourfollowers to go up.
You want your access to capital.
So every year, you want, likeyou want your network to go up.
You need your access to go up.

(32:34):
You don't want to be operatingwith only 100,000 when you a
millionaire, you 2.5 million andyou only operate.
You ain't got no credit cards.
You're following what I'msaying.
You're operating on everythingon cash and that's cool.
But you follow what I'm saying.
Credit allows you to hold someof that and withstand certain
storms Salaries up and down,rehiring people.
If you're doing that cash,you're going to feel it.
If you're doing it with credit,it's less.
It's less bumpy.

Speaker 2 (32:55):
Who are some people that you look up to, maybe
financially right To have tohave the financial literacy
mindset, to have the wealthcreation mindset?
Who, who, who are some of thoseindividuals?

Speaker 1 (33:09):
Big dog Got to give a shout out to my main man,
Trevor.
Really big when it comes tocreativity I haven't ever seen I
haven't been around.
I was personally seeing likecreativity and hustle to be able
to like put things together andall that Because before even
credit.
So when I introduced him tocredit and all that good stuff,
being able to see what he wasable to do with it, I definitely
look up to him.
That's my big brother andeverything.
Like I said, I admire him, bro,Like so being able to see how

(33:31):
he put things together.
I don't have too many otherexamples outside besides what
you're seeing online and allthat good stuff.
Another example I would say isWill Roundtree.
I love what Will got.
He's teaching the communityabout assets and one of my
biggest asset classes.
I like investing in, I likecredit but, like I said, that's
a skill.
I like investing in the realestate.
So taking the credit, puttingit in real estate, because it
appreciates you get debt paydown, all that good stuff.

(33:52):
So I feel like that's one ofthe safest things and it's right
up the alley.
But he also teaches.
Like I said, I was a mentee ofhis.
He teaches the mindset of thecost of debt and all that stuff.
And that's key, because ifyou're going to tap into the
debt economy or tap into themoney system, you need to know
how much that money is going tocost you.
That's the big one.
We talked about it, many withthat type of stuff.

Speaker 2 (34:16):
So you think everyone needs to take some type of
credit course or some type offinancial literacy course,
capital course.
You think people need thoseskill sets.

Speaker 1 (34:27):
Well, I mean, if you live in a credit system,
absolutely, because, like I said, you're affected by it, whether
you want to believe you are ornot.
Yeah, that's true.
You know what I'm saying aboutwhether you want to believe you
are or not.

Speaker 2 (34:33):
That's true.

Speaker 1 (34:34):
So like I'll give you an example Like most people
they just had, most people can'tafford a $500 emergency.
We're not even going to go highlevel.

Speaker 2 (34:41):
Yeah, you know what's crazy?
Today I was rereading thePsychology of Money and that was
like, right in the firstchapter, yeah, they were talking
about most Americans do nothave $400 in emergency.
So if your car got towed orsomething or you got two flats
or an axle broke or maybe theoven broke or something Most

(35:06):
Americans couldn't, they don'thave the money, the way it would
fall, they don't have the cap,they don't got the access to fix
, to solve that problem?

Speaker 1 (35:12):
Not at all 100%.
So if you, operating from zeroto three thousand a month, you
felt like you are in a positionwhere you're closer to the
poverty line, you closer to thebarely keeping your head at five
hundred dollar credit card cancompletely change the situation.
That can fix an emergency.
That can help you pick up someand I'm not even talking about
high level like ten, twentythousand dollar credit cards or
just starting businesses justlike anyone.

(35:34):
You know what I'm.
Because if they say most peoplefall in that category, that's
what it's saying.
Right, most people fall in that.
So most people can benefit fromjust a $1,000 credit card
because now you don't have to goask mom or a friend for an
emergency.
Whenever an emergency comes, Ineed $300.
Imagine if you can just put iton your Capital One and you just
pay it over time.
Let me $30 every.
You don't have to go create, sothat's just one.

(35:55):
You don't have to go andswallow your ego to go ask for
$1,000 or $500.
Just imagine that where someoneI can borrow $500 and repay it
back.
As long as I'm keeping my nameclean with the credit card, I
can help myself.
That's a big one in itself.
So just that alone being ableto or I'll give you another one.
If someone is operating at$2,000, there's a lot of people
who are up $2,000, $3,000 amonth.

(36:15):
If you had a 10K credit card,let's say you lost your job.
If you had access to a 10Kcredit card, I understand
floating.
What if you had $3,000 to spend?
That gives you 90 days to geton your feet to learn something
new.
Yeah, you're going to have debt, but you 10K credit card, it's
going to be my backup plan, butI got this 20K card.

(36:36):
That's going to be my business,so I got this.
My bill's going to be straightfor three months, but I also got
this.
I'm leveraging for my.
If push comes to shove, I goback and get a job.
Don't be above going back andget a job.

Speaker 2 (36:56):
Don't be you, man.
That's a.
That's a really good strategy.
Man, break that down again.
I don't think I heard anyonereally kind of put it like that.
So you get access to capital,right, and you got an emergency.
So you were saying you got, yougot this credit card you could
do this with.
You got this other credit cardyou could do, you could do
something with.
So so kind of put that togetherlike if someone get access to
to a couple different creditcards, now they get access to
some more capital.
What's a smart way to handle it?

(37:16):
I got you, I got you.
Because, I like how you put thattogether.

Speaker 1 (37:20):
I mean I think it all depends on strategy.
And so, like you know what I'msaying, like I'm someone, like
if you're going to start abusiness, I mean obviously I
want as much access to capitalas possible.
But like if you're, you don'tneed all that for that business.
You might only start at lean$10,000.
The biggest thing is you needadvertising.
You need people looking at it,so keep your equipment costs low
and some people will go out andget equipment and keep your.

(37:40):
Unless you run a business whereyou need lots of equipment and
whatnot.
Keep it low and whatnot right.
A lot of times people, like Isaid, when you get access to
capital, I need it.
It's right here.
It's tap, there's credit cards.
So it's just about sectioningit.
And if you have the mindsetwhere I don't have the mindset

(38:01):
where I want to stop gettingcredit cards, so I'm thinking
about oh, I see a credit card,well, what's the rate on that?
Or you follow what I'm saying,so I'm almost addicted to
continuing to get more access tocredit.
So, in a a way, you just keepadding on there and whatnot.
But I like sectioning it out orsegmenting.
It's like well, this card we'reusing for this.
The same way, it also helps,like when you, you know getting
into accounting and whatnot,making sure stuff is clean.
You know, there's credit cardsfor this, there's credit cards

(38:22):
that it's an easy way toseparate, just separate two
different categories.
Well, this for our emergenciesand this for our little
investment, and at any level, ifit's a two thousand dollar
credit card or twenty thousanddollar credit card.
So I think segmenting it likethat right there actually helps
you.
You know what I'm saying, evenfor people who aren't trying to
get into starting businesses, ifyou have a couple, well, this
right here we're going to usefor our dining because we're
going to get 5%.
You know what?
I'm saying this right here we'reonly getting 2%, so we're going

(38:43):
to use it for different things.
So small things like that rightthere.
So, I believe, sectioning it incredit.
Use it to travel and do finedining.
It's credit.
They work nine to five, so it'snot always about leveraging it
to make millions.
It's sometimes.
It can help benefit everyone'slife, though.
For sure that's a really goodpoint.

Speaker 2 (39:03):
Again, I like how you talking about the segment in it
and you're right, they may havecut across out of design to pay
your rent and then you can getrewards for that.
You know what I mean, which Ithink is smart, because you're
not paying your rent with cash.
Now you can pay your rent onthat card and use that card to

(39:24):
pay your rent.
You get all these differentrewards and now you can use your
rewards to buy different things, go on trips and stuff like
that.
What are some of the good sidesto credit cards and then what
are some of the downsides tocredit?

Speaker 1 (39:30):
cards.
I mean the good things like wewould talk about, like the
access to being able to leveragethem and whatnot.
You know ease of access.
You can get them like theirstated income man, you just get
them.
Like you don't even have theydon't have to be a hacker, you
just stated income, you can getthem.
I think the ease is number one.
A pro is the rate you follow.

(39:54):
What I'm cost it's always aboutthe cost.
You got a 24% interest rate asannual, but you don't make
annual payments, do we?
We make monthly payments.
So if you divided that 24% by12 months, it's about 2% a month
.
That's just interest, notincluding your minimum.
So you'll be paying 800 bucks amonth, right?

(40:15):
So it's about understanding thecost of that.
Now, when you understand thecost of it, you understand how
to.
You know maneuver and whatnot.
So I feel like um, when you goback to it wait, pause that
right quick.
I forgot the question, brianJust keep it, we're going to cut
that out.
Can you recut that?

Speaker 2 (40:30):
We're talking about the pros and the cons.
Okay, the pros and the consOkay.
A little mic chat.

Speaker 1 (40:33):
A little mic chat.

Speaker 2 (40:34):
You good, you good bro.

Speaker 1 (40:39):
I mean, we can edit this joint you fine.
So, like I said, the con isit's one, there's levels to it.
There's credit cards thatanyone can get with an LLC.
You have good credit.
But if you structure your LLCthe right way, you build it out
and you also come to the bankwith tax returns and you get
different types of products,Lines of credit.
Those are different terms.
You can go borrow 20,000 andyour payment might only be $130

(41:00):
a month because it's interestonly.
It's different things.
My whole point is that'scheaper credit.
So now, instead of having$20,000 that you liquidated on a
credit card and you paying $800a month which you can do, and
I'm not against that I'd ratheryou do that when you're starting
something than not just sit onthe sidelines.

Speaker 2 (41:18):
Yeah, of course you know what I'm saying Get in the
game.

Speaker 1 (41:20):
Yeah for sure, Get in the game, Don't stay on the
sidelines.
But then there's levels to it.
Okay, what if you can borrow 50instead of borrowing 20 for 800
a month?
What if you could borrow 50 for400 a month?
So it's different products andyou learn how to that gives you.
Let you leverage more.
So credit cards, like I said.
It's.
One of the pros is, like I said, the flexibility, chargeback
prevention.
Like you might want to swipesomething you might be investing

(41:41):
in the course and they didn'tfulfill on what you needed to do
.
You have a protection there.
So there's many different pros,but you definitely got to
understand the biggest con isobviously the cost of the money.
You got to be careful on thecost of the money and have a
plan.
Have a plan for the repaying ofthe debt for sure, Unless you
want to come see me and get yourcredit fixed after you mess it
up.

Speaker 2 (42:00):
We can facilitate that.
It's a good segue, right?
So so walk me through thisscenario.
I'm watching a podcast.
Listening to the podcast, Icome across you.
My credit's like 510, right, Iclick the link.
I'm on a consultant call withTaylorMade and how would you

(42:21):
help me take my 500, get itfixed and then get access to
capital?
Walk me through that scenario,got you?

Speaker 1 (42:28):
Got you.
So obviously I mean I hate thisone.
It depends on what's going onwith them, but let's just say
they just troubled.
They just had some collectionson there, maybe a couple of
metal.
Most people have collections onit.
That's what it is Some old debt, it's collections, maybe a
couple of late payments.
So everybody's going prettymuch go through the same process
as well.
It's the same thing, right?
So we're gonna.
The whole goal is to clean thecredit.
You know, whatever it takes toclean the credit, get the credit

(42:50):
clean, zero negatives.
We don't want no negatives onthere.
So whether that takes you threemonths, whether it takes you
three years, that's the goal,because you can't even get to
leveraging.
It's like a light switch beingoff.
If you got a broke light bulb,you have to go and change the
light bulb.
You can't get no funding untilwe change that light bulb.
So we got to go take thosenegatives off.
So we're going to specialize aplan and getting off and
nowadays with like thestrategies and all that stuff,

(43:10):
credit is really fast.
Like, if you're doing creditsweeps and there's many
different ways to do sweeps,legal sweeps you can get credit
pretty clean, pretty quickly,man, like 30 days, 60 days of
things, 90 days of things areactually taking some time, but
you formulate a plan.
So you're really formulating aplan's.
Let's talk about that mindset.
Let's talk about what you'regoing to do with this money.
How much money do you need?
Like, okay, let's talk aboutwhat you need to have set up in

(43:31):
place, because sometimes I'lltell people you, I got these,
like I said in the program, youneed to set up these accounts.
It's going to help you get morefunding if you have
relationships with theseaccounts before we go into
funding, and then people willrebuttal like, well, what do I
need that?
Like I'm teaching you, you, youfollow what I'm saying, why you
need this, why you needmultiple accounts.
You don't just want a bank withone bank, you need multiple.
So it's about structuring aplan for those clients right to

(43:55):
go into the blueprint, like Isaid, to go in and once you get
everything set up as far as therelationships, okay, now we got
five to seven relationships setup and you can get $25,000 to
$50,000.
You and you can get $25,000 to$50,000, you're able to go in,
especially if you're going justfor blanket credit cards.
Like I said, you're going to getfly-by-night results.
You feel what I'm saying.
You section it out, you buildyour relationships up and it's

(44:16):
not a 30-day process.
You're going in.
You're understanding that thisprocess is going to take time
because you've got to redevelopyour mindset.
You feel what I'm sayingcapital.
It's the worst thing for you todo is get it quick.
So if you didn't have the rightmindset and you actually do get
your credit fixed in 14 to 30days and then now you're able to
get 50, what would that do ifyou didn't have that extra time
to actually learn those things?

(44:36):
So it's about that education.
So that's one thing we provideas well, like being able to
educate you and like, hey, look,you got the debt, understand
the cost of the debt, understanddifference in products.
You don't got to just go getcredit cards.
There's so many different typesof lending.
So educating, that's thebiggest thing.
Just emphasizing that, it'seducation.
This is a journey, becauseyou're not like I said, it's a
snapshot.
90 days is not the end of yourlife.
You're going to live to 80, 90years old.

(44:57):
You need to be thinking aboutlongevity.
You follow what I'm sayingLeverage this credit, learn in
things that build over time, andthat's basically just assets
and whatnot.
That's why it always sends backdown to real estate with me,
because it's a simple asset formost people to get into.
But, like I said, that's theblanket statement.
We want to get everything cleanas far as your credit.
Make sure now, if you havecredit, you've got five, 10, but
you don't have a lot ofaccounts.
You got three accounts.

(45:17):
We need to get you over 10accounts because you need a
thicker profile, some money.
You know five accounts, but ifyou go to the bank with 10 plus
more, you go to the bank withyou know average age.
And credit karma is a good onebecause everyone has credit
karma right and the creditfactors are there.
It tells you right in plainsight If you actually hit the
eye on credit karma.
Bro, that's actually how Ilearned a lot of basic credit

(45:39):
game from credit karma.
Like, okay, keep utilizationunder 9%, solid, right.
So then you see your creditscore up.
You want to be guys, you want tobe in the green on every one of
those categories.
It's that simple.
If you're really like, how do Ido this.
You're missing what I'm saying.
Be in the green on all thosecategories.
So work towards green in everycategory.
But you want to be over, like Isaid, over 10 plus accounts, 11
accounts.
That shows you thickness.

(45:59):
If you have age, preferably age25 years, because if you're
going 20 years or 15 yearsyou're not adding enough time.
So 20, 25 years to add some ageon there.
Um, obviously, if you got somenegatives on, if you got five,
you got some negatives, takethose off.
You might have a couplecollections.
So it's a multi, it's multiplesteps.
While you're setting up bankaccounts.
That's what people do.
So people, they, like I said,most people work nine to fives

(46:21):
and most people are doing thisthing in between times, right,
so they don't have time to go to.
So they don't have time to goto banks.
They don't have time to alsosend them disputes.
They don't have time to put thecredit builders on there.
But the whole plan is how youget there the fastest if you do
them all simultaneously.
You set the bank accounts.
It doesn't take that much time.
You're making sure that you'reactually putting the credit

(46:45):
builders on there can buildcredit with subscriptions.
There's a lot of them like Covo, trove, credit Self.
Those are basic ones.
Credit AI, tomo, that's likefive right there.
You got Ava, they'll give youtwo, that's seven, and those are
considered credit accounts.
Yeah, those are credit accounts.
They will report to your creditfor a monthly fee.
You got ones like credit rentboost that's eight right there.
You got rental karma that'snine.

(47:06):
Rental reporters that's 10.
So, if anyone rewind, justrewind.
I just named 10 right there.
And they all have monthly costs.
Figure out that monthly cost.
That goes into your budget,right, but, like I mean, I talk
about credit strong, that'sreally the biggest one, but
those right there that can costyou about $300.
Then you can start rebuildingyour credit to where you have a
thick profile, the $300 a monthand whatnot.

(47:26):
But that's a big investment.
So some people will take theirtime and put money in Bitcoin.
Hell, if you have bad credit,you should not be investing in
Bitcoin.
You should not be investing instocks, because if you put 300
in there, right, stocks go up onaverage.
Let's say, 10%, right, 10% on$300 is only $30.
But if you put your $300 in andyou're actually building your
credit, you can go leverage thatcredit for way more than you

(47:48):
actually get the return from thestock market, because you need
a larger amount of money to geta return.
So once you get that allsquared away.
Like I said, it's a guideline10 plus accounts.
You want your age to be threeto five years, stuff like that,
right there.
Clean credit, you're going toget the bet.
It's that simple.
I say it that fast because itis that simple and I overlooked
some of the.
You just want to have cleancredit.
Go get a couple of trade lines,make sure that you have 10 more

(48:12):
accounts and you're going toget the money.

Speaker 2 (48:13):
Cool man, one more thing, One more thing you want
to have.

Speaker 1 (48:15):
You want to make sure you're comparable.
Another thing comparable credit.
Don't expect $20,000 cards.
Don't expect $20,000 cards ifyou only got a $1,000 credit
card.
You actually have to work thegame.
The banks don't trust me or you.
They trust what's on yourcredit report.
So if they see that Chase gaveyou a 20K credit card, another
bank might be, and that's thebiggest one.

(48:36):
To be real, chase is thebiggest bank.
So if you've got a 20K creditcard on Chase, other banks are
more lenient to give you.
They're not just Chase butchase.
But, like I'm just giving anexample, if a bank has given you
a 20k credit card, you canexpect 20k limits.
If you've only got a 2k creditcard, don't expect that.
So it's also a chess game.
You want to be building itstrategically, all right.
Well, let me get my.
Once you get proof of cards, getthem credit limit increases.

(48:57):
You had a card that's got 10klimit.
You had it for three years.
You need to call them right nowand get a credit limit increase
because when you go, let's say,you get that at 20 or 25.
You can usually call them everythree to six months.
I put a reminder on my phone.
Anybody watching.
Put reminders on your phone forevery single credit card,
because that's access to capital.
That's in the plan.
So we formulate it too.
I give them like Every 90 days,every 90 days.
Some are 90 days, some are, youknow, like.

(49:17):
Wells Fargo is like 120 and Ilearned that from personal
experience.
Oh, they can.
I get 20, and then you, theyput you on hold for a couple
minutes and they give you alittle bit more money.
That's in the plan as well.
Get access to that as well.
So not just new cards, raisethose, but if you like I said
you've got a 10k card raise thatlimit.
Get it to 15, 20, 25.
Then you go start applying forthem because now they're credit,

(49:40):
the credit, the credit and thelenders are more lenient to
giving you bigger bags.
If I'm saying you can't go tothem with a $1,000 credit card
and expect it.
It's all of those things Makingsure you got it clean across
the board 10 plus accounts, acouple AUs and then making sure
that you got comparable creditwhen you go into the banks.

Speaker 2 (49:55):
Got you Got you.
As we're wrapping up, man, oneof the questions I want to ask
is pertaining to parents.
Let's say a parent has goodcredit, right, and the kids is
coming up, but the kids is young.
What is something that parentscan do to set their kids up so,
by the time they can get theirfirst credit card, their credit

(50:17):
is good?

Speaker 1 (50:18):
Got you, got you.
I mean, the obvious play isjust like with authorized users.
There's a lot of companies thatdon't have age limits,
authorized users.
So they just ask you the info.
They're not asking for the age.
And even if you ask for the age, they'll still report it.
So, like a couple of them, likeUS Bank Capital One, they don't
really care about who theyreport to.
So like if you have a kid,who's even a baby or whatnot you
can start building their creditprofile.

Speaker 2 (50:39):
You can put your baby on a credit oh yeah, for sure
that's Nah you don't have asocial yet.
Oh damn, okay, you don't have asocial.

Speaker 1 (50:46):
When he has a social, then-.

Speaker 2 (50:47):
Can I?

Speaker 1 (50:47):
use an EIN.
Let's not go there, okay, okay,but yeah, I mean like
essentially that right there,there's a lot of companies,
credit card companies, that willactually allow you to do that.
Like I said, they have nominimum age for adding them to
the cards Not everyone, but likea couple of them, like US, us
bank, uh, capital one is anotherone that you could just add
someone to the card.

(51:07):
So if they're kids, put them onthere, like my kids, they have
credit profiles.
That's dope.
And then how?
old are your kids I've got them,uh, from one years old all the
way to 11 years old I got fourchildren, so you recommend
parents like put this in motionoh yeah, for sure, for sure.
I mean because, like I said,like at the end of the day, once
they hit 18, they're alreadythere.
I mean they're going to stillmake mistakes, because they're
kids and it's life.
We're all going to makemistakes.

(51:27):
We can't, you know, expect ourkids not to make mistakes.
They're going to make mistakes,but you're giving them a
platform you follow.
I'm saying, sometimes peoplegive them a platform, but they,
they, you know they, they holdit for, uh, I need you to be
grateful for it.
Give them a platform.
They're gonna make mistakes andI know that my kids will're
going to fix it.
You know what I'm saying so wegot the cheat codes man.

Speaker 2 (51:48):
So what's one last thing you want to share with the
people that you think would bevaluable for them, and then you
can look right over there Forsure, for sure.

Speaker 1 (51:56):
So one thing I would say, bro, is the biggest thing I
would say is be accountable foryourself.

Speaker 2 (52:12):
That's the biggest thing, because if you're not
accountable, if you ain't, ifyou ain't accountable for you
your, your, your, your failuresare, or your, your, what's the
word for it?

Speaker 1 (52:14):
if you're not accountable for your flaws, yeah
, your actions and whatnot, yougot to be able to have awareness
of where you are.
So the biggest, that's thebiggest thing.
So when you have awareness ofwhere you are, you can say, hey,
all right, look, I'm not whereI want to be financially.
I need to take it to the nextlevel.
So then it's about you know,going to the next thing.
Create new standards foryourself.
Go out there and decide thatyou ain't going to live how you
want to live, live how you'reliving right now, and then take
action.
That's the biggest thing, justtaking action, some form of
action.
If you're doing you know littlebaby things, whether that's

(52:35):
just like you know setting up anLLC I mean you can watch a
video and set up an LLCobviously follow me for the most
gain.
You know, being aware it's notyour fault, but it's your
responsibility to take yourselfto the next level, and only you
can do it for yourself.
I would say get active, becausewe all on this journey, we get
one life, guys.

Speaker 2 (52:54):
Listen, man.
This has been an amazingepisode of the podcast.
I think Kane really lit it upfor you guys.
As far as credit funding,understanding the mindset, the
importance of it If you're aparent, why you need to put your
kids in position If you're aparent, or maybe, if you're just
watching this and your creditain't right, why you should
start and prioritize that.
It's probably one of the numberone things you should be doing

(53:16):
and why you should definitely beleveraging it Because, like you
mentioned, in a country likeAmerica we have this opportunity
that a lot of other countriesdon't have.
You could literally turnnothing into something by just
leveraging credit, you know Imean.
So, um, let them know where,where they can tap into to, to
learn from you.
Maybe they want that consultant, um, you know where?

Speaker 1 (53:35):
they need to go gotcha, gotcha.
So if you want to, like I said,work with our team, uh, you can
just go to.
We got a school community wherewe actually give entrepreneurs,
business owners and even, likeI said, everyday people, you
know, the game actually givingthem the mindset, giving them
those tips.
You can follow us at, uh.
Well, you can find us onInstagram, uh, but you can find
me on Instagram at Mr KaneRobinson.
Now we also have a schoolcommunity, a free school

(53:56):
community, where we actuallygive entrepreneurs, business
owners like yourself, the gameto be able to go out there
basically liberation game to goout there and execute on this
thing that we call life.
So you guys can find us on allsocial medias at Mr Kane
Robinson, and then you can also,you know, search us on the
internet, taylor May Consulting,where we do credit and funding
and help you guys take it to thenext level.

Speaker 2 (54:14):
Listen y'all.
But another amazing episode ofthe podcast.
Make sure you guys subscribe.
Check out my guy Kane and,again, if you need to fix your
credit, if you need to getaccess to capital, if you just
want to have a conversation, getthat consultant on.
Definitely, make sure you clickthe link below, tapping with
him and his team and get right.
All right, it's been anotherepisode of the podcast and we'll

(54:41):
see you guys on another one.
Peace.
Someone that used to be like me,where I didn't really have
anyone that can hold meaccountable, nor did I have a
group that I felt comfortableabout.
You know what these are.
This is my tribe.
I can grow.
Well, listen, we put thattogether Podcast school.
I'm teaching you guysmonetization secrets,
accountability, discipline, howyou get better with content, and

(55:01):
this is just a group that youwant to grow with.
Click the link below, join.
Let's go.
Okay, look, look.
So this is how we're gonna getyou more exposure.
Using the pod equals mc squarestrategy.
Right, then we're gonna bringout the air fryer and then
connect it to the toaster ovenmethod.
Right, I think I wasted mymoney.
Now, until we do all this,we're gonna get you a million
views and millions ofsubscribers.
I have no idea what you'retalking about.

(55:23):
I got you, let me go getsomething.
What's this box about?
Wow, bro, what is that?
So we got your long formpodcast right here, right?
This is the long form audio.

Speaker 1 (55:36):
Okay now I'm getting my money's worth.

Speaker 2 (55:38):
Got a service to get more exposure, get more views
and get more call to action andget more sales.
Let's go.
This is what you need to do toget more of this now.
Do you understand?
I completely get the vibe now,before I don't know what you was
talking about, but this righthere.

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