It gets no better than this.

You are now in June respect us with Big Bang.

Let's get straight to it.

Welcome to Perspective Bank.

I'm the host Big Bank to day.

I got my partner with me, Man Smith the goat.

You're here to get y'all a little game.

Man, you know what I'm saying, And how to keep your money basically turn your money into something else, right.

Yeah, And how to bridge the gap for people that's big or got a big name or in the music industry, athletes to all these people that got his money, they be going broken and it's like they need to bridge the gap to learn what they needs to do to be an invest their money, to make more money in different ways than what they've been doing, you know what I mean.

So just how to be able to leverage the bank, leverage, getting their credit together, starting businesses and investments to be able now sustain something besides what they've been doing.

Let's get into your background, your journey first before you know what I'm saying, get tap on that know you is?

Yeah, So Kenny Smith Man from Chicago.

All right, So man out there, my whole life trying to figure out things.

I started this business stuff like four or five years ago, and so foury five years ago and know nothing what I'm talking about, goa heard me talking about today.

But a friend of mine started first.

So like what he did was he went to go learn the credit game and real estate game and sat down, and it was distance from the crew, like we outside, we going on, we popping outside, got the clothes, girls, vacation, all this other stuff, while he sat out on the side and learned, you know what I mean, and separated stuffrom the whole crew.

And we thought he was acting funny.

Were like, man, you're acting funny.

You ain't moving with us no more.

You ain't going outside, you ain't you ain't kicking it, you ain't doing But what he was doing was he was sitting down and getting in his learning bench.

So basically he was learning everything about business, everything about credit, everything about real estate so that.

He can be able to build something.

And we thought he was acting funny because of what we so used to and what were so comfortable doing with all our life in Chicago, we just in the midst and just in doing all the things that everybody else doing.

But the thing that made me really tap into this stuff was he got a I was trying to save up forty to fifty K to try to start a bit like clothing line something like that.

I was never be able to do it.

But he had got approved for like forty to.

Fifty thousand dollars in one day, forty to fifty thousand for one day, so you got a proof of two credit cards for twenty five thousand dollars each and got access to fifty K in one day.

So I was trying to save up forty fifty thousand dollars for two years, wasn't able never to do it because it was just too hard.

You know what I'm saying.

I'm trying to move and shape doing what I'm doing, but it wasn't good enough for me to be able to save the money.

So that was like an I high moment for me, a like budpop my.

I'm like, oh shoot, I could have been leveraging this if I knew how to do that, I could have been had the money I wanted to do to be a to start whatever I wanted to start and be able to make my moves, but it was just taking me too long and I never could do it because I just didn't know how to leverage what he had leverage.

But then that's when I did like a deep dive into the business stuff and credit to stuff and just starting to figure out how the banks work, how to get access to OT to people money, how to be able to learn how just all the things that I need to deep dive into to be able to understand how to be able to build something.

Before I build multiple seven figures businesses, I had to learn the foundation stuff with our LLC, getting our LLC together, getting our credit right, starting the business, understand that it's gonna take a little time to be able to create cash flow, to be able to build over time, and just that whole industry of things I need to be doing to be able to really change my life in something different.

So did you ever see yourself ever doing something like this?

Like as a kid, ah bro h, I thought I was gonna be the basketball start man.

So throughout my old life I was doing a basketball thing.

Middle school, high school.

I was best playing on my team from when I was sure way until I got to college.

But then when I got to college, I realized the separation of talent.

Right then and there, I'm like, damn, I wouldn't really have no trainer.

I couldn't afford to have no trainer.

I just was hooping every day.

You get good.

I was getting good, and I was a top player.

But like the good good is different than what good he is.

So I learned that real fast.

Going to college and I'm like, oh, these boys been training with are training for eight years, and they jumping out of them.

They're doing these different things and I ain't ready and I ain't even close to where I thought I was.

So then that changed.

I went to college for basketball.

After the basketball season, I quit because I didn't like college me.

Trying to learn from somebody who makes seventy eighty thousand dollars a year didn't make sense to me to get to where I'm trying to go.

And I'm trying to learn from somebody who makes seventy thousand dollars in a year, and I'm trying to become a millionaire.

A millionaire is making seventy thousand dollars a month, So how am I going to learn from somebody who make seventy thousand?

Yea, I need to learn somebody that makes seventy thousand dollars in a day.

You know what?

I mean, so my respective was already, I can't do this.

You can't teach me to do what I'm trying to do because you ain't never done it.

So then I quit.

I dropped out, even in my mom didn't want me to.

I had to drop out of college.

And then that's when I went back home and started trying to figure out what I was gonna.

Do, but trying to figure out what.

Did you making the mistakes in between it, trying to figure out like, yeah, figure out your path.

Yeah, so I think I think I was just just doing what I thought to do.

I make some mistakes.

I started getting around the wrong crowds a little bit.

The situation happened that made me realize that I was getting to the wrong crowds and the wrong people.

One of my friends who I was living with, so we had got a crib together.

He ended up getting killed.

And at this event we went to so right next to me, like five feet away from me, got killed shot.

And that was really what my turning moment too, to be like, I gotta do something different because me playing around, being around this environment, doing these things that they've been doing, and then this type of stuff happening next to me, this is my opportunity to flip My mind said to be, like, let me do something different so I can get away from all this stuff and be able to do something that ain't gonna be able to cause me to be, you know, in the same situation my friend was in.

So after that situation, I'm like, all right, I gotta be able to do something and figure out something more than this.

But I was trying to do that everybody else be doing.

I was working job, you know what I'm saying.

I was trying to flip shoes and be the plug shoe plug.

I was trying to flip iPhones.

I was just trying little stuff.

I thought I was gonna be a barber.

That was my last result.

I'm like, man, I'm just gonna be a barber and just cut hair something like that and try to learn how to do that.

But I've never gotten too none of that stuff.

Never could work a job, none of that stuff.

So I had to do something bigger and better.

They weren't gonna work for me.

If those type of things was too little like I had to do.

You think an athlete would have knew what you know now, No, you think it should be mandatory for for them to teach that, like financial literacy to athletes and to anybody, like the record labels everybody should.

Have it, like yeah, I know how to have your money keep your money.

Yeah, I think it's mandatory now because of the Time Wins twenty twenty five.

It's out here everywhere.

You just got to be willing to go get it.

But I think it is mandatory.

Which all they teaching us about all the stuff that we don't even use in life, Like out on all this history and science, they're talking about dissecting frogs and you're talking about, uh, doing all this stuff that they have us learning in school, like to do tests and stuff like that.

If you fail, you did better on tests.

You fail a great that's not really in real life.

When you fail, you can just do it again, you know what I mean.

You can try over.

You can still do good.

But like I think that everybody need a glimpse of financial literacy.

They should teach you about taxes, they should teach about credit, they should teach us about investing, just foundational things that people can go out here and get ahead in life.

Besides black family, all Mama kicking us out and we eighteen.

We don't got no knowledge none of this stuff.

Now, they were fighting against life and that's already hard and itself.

You're gonna do what's easy to you, then that's gonna put you on a on a narrow road to bullshit.

And it's the crazy part.

So everybody that's been in a crazy environment, but if it's Atlanta, Chicago, whatever it may be, they're not getting this information.

Now.

It's so crazy because the number one thing that you can get asked to unlimited amount of money for all the people that look like us, put it on the back burner.

Now, I asked you this question, what's the what's what's the max amount of money you can get from the banks?

Do you know your bank?

Hmm?

What you trying to go there and get some money?

Like, what's the max amount you think that you can give in the bank?

Total?

Like if you had a.

Guess, you can call in and get anything.

You know what I'm saying, Just like how much they will give you access to for funding for your business, or like how much they'll give you and loans credit cards?

To be honest, this is what a lot of people don't know.

They'll give you access unlimited amount of money.

There is no cap how much money can give in the banks.

So bank, right, it's an unlimited amount of money that we can get from the banks.

There is no cap.

So if you get a honey k, then you can get five indred thousand, then you can get a million.

They can get to There is no cap how much money you give in the banks.

Why do we focus on everything else in the world when this is the number one thing that can get you access to unlimited amount of money.

Bring out that money.

Like you ain't a nigga that don't know nothing, how do he?

You ain't gonna better just go get this out out the gate.

You gotta build your way up.

But to be honest, most people don't got tax returns and bank statements and pay check stubs and all that stuff.

So we got to be able to make sure our credit right first, all right, So this is what everybody should be focusing on.

I don't care what it you and rich or not money or not big big dog or not.

Have your foundation right with this credit stuff because it leads to everything we do in life.

But basically, what they want you to.

Have bank is a good credit score that's built out properly how the banks want you to build it.

In the LLC.

That's your first financial that's like your first foundational thing you need to.

Be able get money from the bank.

I got my first one hundred thousand and two hundred thousand dollars bro by just having a good credit score on an LLC.

That's it.

So what I do is my first foundational method that I use is called business credit card stacking methods.

So this methit is like I can go to the bank right now, I go to change right now.

I got a seven hundred fifty credit card in my LLC.

I can go get a business credit card right now for twenty five thousand dollars with no documentation.

So that mean I don't have to show paycheck stuff, taxi turns and bank statements and all those different things.

I just need to make sure my credentials on my credit report and my LLC and I gonna get twenty five thousand dollars today.

I can go get another credit card from another bank, can get another twenty five thousand and get fifty thousand dollars in a day.

Most people that takes them so long to be able to get.

Access to fifty thousand dollars, right, But we could have been leveraging they money to be to start the businesses or the investments, or for marketing for our business, whatever can you need.

We could have been leveraging other people's money to do it.

But so many people are educated about this topic, so like they're not able to leverage it.

But it's so crazy because we put this credit stuff on the back burner and we don't talk about it, we don't care about it, and we don't focus on it.

I did.

And the crazy thing is this is the number one thing that gets you access to an unlimited amount of money.

Why would you do that?

You know, we was just talk to dumb way man like niggas just made all the dumb shit cool like shit, I just.

On this shit for real.

I got my shit cad, but I got pink slips on this shit.

Cash cash cash, it's so line like that shit, Like, man, I don't want to spend my can.

It's really not smart to go spend money on cash.

So for example, let's just say a Lambo truck.

Lamblo truck costs two fifty you seeing you a big dog, you got pink slips, you spend two fifty, right, Well, when you spend at two fifty, it's depreciating.

You losing money as soon as you buy, you losing money.

Why would you go purchase something for two hundred and fifty thousand and take all that money out of your bank account to be at a no dispersing into this car that's losing value when you could have got the same car.

I paid three thousand dollars a month, well, twenty thousand dollars down and in three thousand dollars a month and take that two twenty and go invest into something to be ab to make five hundred thousand dollars.

Off of it.

So still got the car that you're talking about, You got a pink slip for that you paid cash for.

Still got the same car.

But then now you took the two twenty to go put into a real estate deal and flipped it and made five hundred thousand.

Now I got double my money in the car.

That's a way smarter.

That's the way smarter the situation that you should do versus you know, I sent it all cash.

I'm good, ah, bro.

It's a smarter use of your money to be able to invest it for to make you more money and still big get the things that you want.

So what I'm saying, how you didn't follow beat until I see you got ice on you lit up like a round.

Yeah, so you waited until you got your money before you got this shit.

One hundred percent.

Not to be honest, my first group of money, I did do the dumb stuff and I'm gonna get like rolexes and stuff like that.

But then I stopped once I started getting more educated, once I started getting around more millionaires at a high level, people that made twenty million, fifty million, a hundred million, they started to sit me down and tell me like, nah, we don't go there first.

We gonna get investments first.

We go get assets first.

We're gonna invest into our brand and our business.

First, we make one hundred thousandars a month rear current, then we gonna buy the stuff we want with that.

Because after I'm making a hundred two hundred thousands a month, every single month, every thirty.

Days on auto pilot.

Okay, this, this fifty thousand, this, I can make that back in twenty day, thirty days.

It's already on auto pilot.

This don't matter.

But our mindset is we'll get this stuff first and be broke and look good instead of being good in our.

Bank accountagga want to look like they actually get some.

That's backwards.

And that's why I want to come in and talk to you too, just like we can be able.

I want to be able to help bridge that gap between all the uneducated people.

That's even at a high level, medium level whatever, or even look at the big people when it comes to all the rappers.

You know, they got all these big cars and changing all these different things.

They need to be more educated on how money work, how to manage money, how to invest money, how to make sure they business credit together so that they can leverage other people's money instead of their money.

And also the people watching them.

They'd rather go see Chris Brown a little baby and spend five hundred dollars on that then to spend five dollars on their credit that can get them access to unlimited amount of money.

They gotta start tightening up.

Life is getting a little harder out here.

You better be able to put p's and q's to be able to get ahead because a lot of people getting left behind.

They not educating on point, you know, So just me, just trying to spread that knowledge of like how do we put people on game, and people think that it's like, oh, that's a little bit of money, or like that stuff don't got a lot of money in it, or it can't be nothing big.

This stuff bigger than rappers money.

This stuff bigger than your actress money.

And comedians and all these we made more money in them most of the time.

And people just like efficiently too.

Yeah, and people don't understand.

They don't realize it's like what's going on for real?

They think because they see what they see that is.

And their money and the money, the money y'all going to get it from?

Where y'all going to going to get it from?

They don't run out of it?

For sure.

Venues and ship this ship might not go right.

Yeah, for sure you can get cut.

From a team, or you can get there and not get a gig.

For sure, that bank got a bunch of that ship.

It's unlimited.

There ain't no cap to it.

So like they'll just shift the focus, man, just to start putting people on game.

How to shift the focus to like how to play the game the right way so that you can get ahead.

Because so many people that look like, because we behind, bro, because we not educated.

So like, how do we be able to put them on game to be in now?

Teach them this industry, in this game so that they can get ahead of instead of being behind.

I know you, like you said you came in and the first thing you did was you know, typical young niggashit like when it got you some pieces and you don't want to flip.

But when was that moment you knew, like, shit, bro, I made it.

I made it in this shit.

Yeah, I think when I I think, I really felt that I made it.

When I started making my first, like consistently one hundred thousand dollars a month, my first mindset was when I make ten thousand and twenty thousand a month, I'm gonna be good.

That was my first mindset when I first got started.

But as soon as I started making twenty thousand a month, I'm like, dangn this ain't no money.

This ain't this ain't no money.

I got kids, I got daughters, you know what I'm saying.

I gotta take care of now.

And it's like family and mama and stuff like that taking care of So I'm like, all right, this ain't enough you know what I'm saying, So they not realize like, naw, you gotta make a lot of more money.

You want to be straight out here and be comfortable and be free for real.

So now, when I started making consistently one hundred thousand dollars a month, every single month, every thirty days, that's when I really felt it to be like, oh, shoot.

This stuff real and this stuff another level than what I thought it would be.

And then going on to a my first hundred thousand dollars a day, five hundred thousand dollars in a day, my first eight hundred thousand dollars in a month, Like starting to reach these milestone start really putting in my head like anything possible.

First off, Second.

Off, that it's way better ways out here to be a generate money, generate revenue for yourself.

And it's like wow, it's like all it is just about learning how and what to do because you can't do what you don't know.

But what buniness you in outside of financial Yeah, yeah, like what businesses you got?

So I got a few different businesses.

My first business is a lending company.

So you come to me to learn not you can come to me to learn how to get access to money from your stuff, but like you also could come to me to just get it done for you.

So like if you come to me and you meet your criteria, I could be able to get you access to your first one hundred thousand, two hundre thousand US.

So I have a funding company.

My second company is my digital marketing company.

So this is me digitally making money online.

And this is me with consulting, coaching, mentoring, speaking.

I get paid from that and monetize that online very well.

And I teach other people too how to be at digitalized their business because in tween twenty five you got to learn how to make some money digitally or get some tech, some software and stuff like that, and your business might have been to make money.

And the last thing I do now is I invest in commercial real estate.

So now I make active money digitally online and then I dump it into assets where I just bought a storage facility, one hundred and ten unit storage facility, so stuff like that, real estate pieces, you know, get.

Multi family units.

When we just bought was like one hundred and ten unit apartment complex in Louisiana.

So like trying to buy big deals of big apartment complexes or some more storage facilities.

And right now we're in the talks to buying hotels and jets.

So I'm trying to work my way up on the scale of like big dog stuff like so we can start taking over like on some different levels of this stuff that for it.

Yeah, let me ask you something, So how do all your business compliment each other?

Like so they're all this, I'll tell you what I did to where I had to get into like this.

I feel miserably real bad in business where I tried to spread my wings too fast and do what's called like the seven different strings of income thing.

So you know how they said, Man, you need seven diferent streams income become a millionaire.

So I went after that.

At first I started an Airbnb business.

I started a car rental business.

I started a trucking company.

I started all these business and they all failed, all right, So I lost two hundred thousand and Airbnb I lost two hundred thousand, the trucking I lost like eighty thousand.

In the car renal space.

And when I did that, it taught me a lesson from one of my mentor that told me I need to focus on one thing.

So how they all work together is I did the credit and funding and stuff for myself.

Then I turned it into a business, so now I do it for myself, but I also turned to business so I can monetize with it and make money.

But that also leans into like when you're trying to invest, you need the credit and funding stuff.

So all of my stuff that I do that I you know that branch off into different avenues of revenue is all based around the credit and funding industry.

So it's literally one industry that I'm in that I make multiple streams and income off of.

So I can be able to make money off of it myself.

I can be a teacher other about to do it.

I could be able to monetize by collaborating with people doing it.

I could do affiliate marketing with it.

I can just do partnerships.

I can do so many different things, but it's all one industry.

So what I did was I put one hundred percent all in on one thing versus trying to do seven different things.

But it's multiple layers of revenue coming from this one industry, so all the things aligned on what I do, like just at a higher level or higher stage you know what I'm saying.

So what makes you different?

Because you know, like in this industry with y'all in, it's like a lot of scam scam.

Less okay, like real shit?

Yeah yeah, what sets you apart from them?

Negas?

Yeah?

So man, this scam stuff that they going on is a lot of different angles of how you could know people not scams.

One of the first things I'll say that everybody need to look into when it comes to trying to separate the cloudiness of people who doing this stuff really not.

It's certain things you can't cap right.

I do certain things on purpose that separates me from people that's talking like the same way, but they can't do the same things that I do.

First thing is, you ain't gonna be at about no million dollar house.

You ain't gonna be at about on two und fifty thousand dollars card.

But then the important thing is I do was called like lifestyle marketing, but true marketing to be like if I say I made five hundred thousand dollars this month with my business, and I can teach you how to do that on the back end, let me go into my bank account live, let me log into it with my information and then let.

You see it.

So like I can't cap me log into my bank account, you seeing my how much money I made?

This more my avaiable bounce with my name, my business name on it, and I log in, do that now screenshot.

I can cap that all day, me saying it, I made hundred you know what I'm saying, Me saying it, I can cap that all day.

You ain't gotta believe that.

But me pulling my phone out, me logging into the Bank of America app and you seeing what my avable balance and what I made last month, can't cap that.

I do certain stuff like that on purpose so that you can get the perspective of this.

It can't be capped.

There's no way.

Another thing I can do, too, is like when I invest into like storage facilities, This stuff costs seven figures to be able to purchase.

My name is on my stuff.

You can go google it, you can go pull up to my establishment that I bought and invested in, and you can see it with your own eyes.

You can't cap that, and you can't gap the fact that I can be able to afford that and they got my name on it.

So it's like certain things we put in place to be like, I don't care nobody say come on here and say that I'm capping some stuff scamming.

Be like, okay, well explain how how that is that?

You know what I mean?

You can't, so like you gotta do.

I'm doing stuff like that to be able to get the people that's looking from the outside look at the in to be like, nah, that's real, and whatever he's saying behind it is facts, you know what I mean.

So it's certain things that can be done to where you know stuff is real.

Another thing is too when I start teaching students, So I started putting people on game and they learn from me and they go build something.

I tag the people who I helped with.

Their Instagram or you know, or the information so that you can go on their page and go in box them or DM them to be like all right, this person said that he helped you make a million dollars.

All right, tell me what happened, how to happened, Show me your results, what happened.

And I tell my students.

When somebody come to you and say they can show them, do what I do until the endnet too, log into your bank accounts too, and show hard money you made in the last six months, and it's like there is no cap between what I said or what they said.

You can go asking yourself and you're gonna ask them for proof, and you're gonna ask them where there was a year ago before they met me, and then see what their life is now and what they've been able to do and what they're able to afford.

It's certain stuff you can't cap so that the people would looking in.

You gotta start really being like, just open your eyes to what's really going on.

You should be a separate the cap stuff on the fixed stuff like, uh, you know, people.

Get logged into the ship too and show some money.

Oh, niggas getting money there for sure.

But I get what you saying.

But let me ask you something.

All the members of your students, like, what's the most common challenges you see they face, like the most coming like and I.

See this all the time.

Yeah.

So the number one thing is people act like they want this stuff.

People act like they want to become a millionaire.

But when it's time to do the work and spend the money and spend the time and energy to do it, they don't show up like they say they want it, they don't show up.

Then when I was when I was building my stuff, I was standing up three, four, five o'clock in the morning, six six months straight.

Like, ain't no sleeping I was, I was falling asleep.

I wasn't going to sleep, you know what I mean.

Like I was willing to do whatever it takes, and I was willing to spend whatever amount of money it took.

These people when they come here, they think it's sweet.

They think it's just gonna be overnight.

They think it's just like a get rich quick scheme.

And it's just like they just gonna be getting busy just because they see something successful.

They not willing to put the time in.

They're not put the work in.

And it's like they think it's supposed to happen too fast.

That's not realistic, you know what I mean.

Something you gotta bill gonna take a little time, you know what I mean.

But I'm just seeing people work ethic.

It's not where they say they wanted to be.

That's one thing I'll say, Like people come in here, I'm ready to go.

I'm ready to go.

Man, you said you a millionaire.

I do our eyes.

So I'm about to lay it out, stuff by stuff of what you need to do, what you need to complete, and how much money you need to invest into this for this to happen.

And as soon as it's time for them to go all right, month two months go by, like damn, what you did?

Did you do?

Step one to step two?

Step three?

Man man bro I got busy.

I was I was tired out all these excuses and like, you don't really want this for real.

So people that just act like they want But when it's time to put the work, when it's trying to put the money up to invest in themselves, put their money with their mouth fished to make.

It happen, people get quiet, people start shining away.

People don't put in the work, and then people be just making excuses and just just lying to themselves, you know what I mean.

So that's one thing.

And another thing is people don't invest into mentors and learning.

This is the number one thing that's wrong with people that look like us.

They don't understand their value and invest into information.

They want to invest into everything else in this world besides the information, and the information is the number one two that gets you access to the opportunity to change your situation.

Niggas just don't believe niggas.

You're right, though, Niggas just don't believe other niggas.

The crazy other people.

He ain't gotta be.

The niggas just don't like manh.

Yeah, you know what I'm saying.

That's the ignorance of us.

For I want to hear that figure this out.

And it's like, how could you figure something out?

You ain't never done before, You ain't never got talked before, Nobody never around you never did it.

But there's no way.

It's impossible for you to do what you don't know exactly.

So you're gonna have to lean on somebody.

You don't have to truck.

You're gonna have to trust listening to somebody.

But of course you got to do your due diligence and talk to the right people, you know what I mean.

But it is certain people, but it's very few that.

That's that's getting the mindset to get around the business or into people.

People that's at a high level, Mark Cuban, I'm starting to see people starting to understand, like I do need to get next to them to start learning and comprehending what they're doing to be able to make billions of dollars coming from.

You let off a bug.

So playing this bit shot up fooders.

I did see.

Hey, how you help a nigga get from zero though, like a nigga that ain't got no nothing.

Yeah, So that's why we start the credit park.

So the reason why people can't get it is because they don't learn the credit game.

If you don't got nothing, my first thing to teach you and put you onto is like how to leverage and learn this credit game so you can get access to your first fifty undred thousand so you can make some moves out here, because a lot of people is that the position where they don't got extra money or they don't got no money.

Put up, Okay, cool, you had ground zero.

Let's learn this credit game so that you can put yourself in position to get access to your first fifty k to one hundred thousand.

So now you got money to be able to make moves.

That's what I'm saying, Like, what's the first step.

The first step is cleaning your credit.

So we got chat GPT.

Now man, we can be able to put our credit report into chat GPT it find all the negltive items for you and then start giving you the answers to what you should do to be able to send disputy and to clean your credit up stuff like that.

Like, if you want to clean your credit, it's easy.

It's a twenty twenty five.

It ain't.

You ain't got to learn the laws.

You ain't got to learn the compliance.

All that stuff that you people think you might got to do.

You don't gotta do that no more.

We got the technology and AI now that'll be able to do all that stuff for you within five minutes.

That ain't no excuse no more.

So you got bad credit, the first thing we need to do is clean it.

So it's a three step for me.

It's cleaning your credit.

Then we got to build it.

So then you're talking to you earlier, Like right, people think that's just because you got a seven hundred cditscoed to seven fifty credit card.

I'm good out here.

I got a good credits card.

Now, the banks don't work like that.

The bank's like, that's like the fourth thing they look at.

The first thing you need to understand is that you got to build a credit report and full like, you got to build it properly.

How to banks want you to build it.

Now what you think is supposed to be built.

Just because you got a good credit score, that don't mean nothing.

You can still get to NOD and still not get no money.

So you got to know how to properly build it.

And what that looked like is you can't have no late payments.

You can't have no deroca, talking watch collections, evictions and all this stuff.

People be had medical bills and all this stuff.

People be having any credit report.

You can't have none of it, Like you got to.

It's got to be a clean slate.

But then when you're building it, you got to have at least like ten twelve accounts and your own name that you've been doing good with for months at a time.

So now imagine you going to the bank where you got twelve different companies that you're paying on time every single month, and then you ask for money versus you only got a car, no, and you pay that on time.

Now you gotta sell on the credits because they're like, oh, my credits go good.

Nah, you ain't showed enough good enough track record for them to give you that fifty thousand enough covet to valuchel for you.

Basically yes, So when I teach people how to build it out the right way.

Now we got ten different companies were paying on time every single month before we go ask for the hundred thousand, and now they know that you built properly to be ready to go get the money.

So basically, the people who like trying to work their way up, they gotta know how to build it properly.

And once you get that, now we get the LLC.

So now we've got the LLC and a good credit report, and we go to the bank and get the money.

And we do it in a strategic way that we go multiple banks and get twenty five thousand dollars from each bank.

If I go get twenty five thousand dolls from a bank right now today, I go to ten different banks, I can get twenty fifty thousand.

But a nigga with no money and he ain't able to pay your bills saying I'm saying right, so we ain't got nothing.

Do you just gotta go get a job first.

He gotta go get a job.

For sure.

You gotta make something.

You ain't you if you out here just not moving in there doing nothing, that's just you.

You a grown adult.

You better be a do something.

But yeah, go get a job or two or three or whatever you gotta do.

But but this is gonna put your position to now make it moves to where you don't got work no more, because that ain't the way to make money.

Train your time to make money.

At the way to make money.

What's some small shit that registered?

Like just say, if I went and got me two three, good job.

What's the small shit I start out with?

Like apartment or car?

What I start out with?

Okay, to put on your credit report?

Yeah, so like auto loans, it's like a car.

That's a smart thing to do a lot of time.

You can get credit build or accounts.

So this is like self we can do, ava we can do Like these are names of accounts you can do to build your credit basically, but the best ones that everybody can go get right now is what's called rent reporters.

So you can get your rent that you've been paying on time every single month for the last three four five years.

You can get that backdated and put on your credit report.

So now that's an account on your credit port that be backdated for three to four five years.

That a booshow stuff up sixty to seventy points, and just like it's multiple differ accounts, you can be able to do like that.

I don't get too deep into the woods, but it's a councilor it's called like pledge loans.

I really just get this stuff for free.

I reast give value for free all the time.

But another one we do is like pledge loans, so like secure loans.

So basically if you do guys money, you saying we were talking about somebody that don't got no money, but it's some people that do.

Got a couple of dollars five to ten thousand we can put up, we can put up two three thousand and like a pledge loan, and do like collateral loans to where we can build our credit with it.

So now I can put up three thousand and four loan, and then now I can be able to have the bank leverage my collateral to be able to give me a loan against my three thousand that I hold in the bank.

And then now I can average multiple accounts like that, so now I can build my credit report to be more stronger.

And all the ideally things you want to do is just get more different accounts on your credit report.

To make it more stronger and more thicker so that it can be in position to go get the money.

And then the last thing we do is we add what was called authorized users.

So like your grandma, auntie, cousin, somebody somebody in the family got you know, had took the time out to have good credit that can probably help you.

Some people don't got this, so you can be able to pay for them, but authorized users.

If I got a credit card that I had open for ten years and I got a ten thousand do limit on it, I can add you on my credit card as to authorized user, and you get to reap the benefits of all the years that I paid on time for this credit card, my limit, my account of this, everything get to go on your credit report as if it's yours just because you got added on this as authorized user of my credit card, and that boots your credit up thirty to sixty points.

So then you can be able to get your age history you know it tooken care of, and add this age history from these other people's accounts of authorized users accounts as well, so then now we can really build up your credit report and full get.

Access to the money from the bank.

Okay, yeah, so.

This authorize you, okay, but the primary is what you.

Want one hundred percent.

You want to get stuff in your name first.

That's why I said that first.

I ain't say authorizis because some people hear that, they like, Oh, she don't finna go do that first.

Nah, Like, you got to know how to build your foundation first beside that, and then once you ready do you put those on top.

And that's what really puts you in position to really had the best credit report and score to go get the money.

What's your more memorable success story for somebody you taught how to do this?

Yeah, So recently in the last three months, one of my inner circle members she had I think she made one hundred and like fifty thousand dollars in a day.

So it was a it was a campaign that I har do over like a six week span, and she ended up pulling in one hundred and fifty thousand dollars in one day.

So that's why I believe that's my big success story.

She's gonna be a million, she's gonna she gonna make seven figures this year.

Another person of mine right now in my inner circle, she averagely making like two three hundred thousand dollars a month right now, So every single month she cooking right now, she owned a credit re payer business, so she got it up to like two fifty a month, thousand and a month.

So every single month you make it two three hundred thousand dollars just by starting your online business doing credit for other people.

So like, those are some of the biggest successors that I've never helped helped people do.

But truthfully, like me personally, internally, it's like my family, you know what I mean, Like my mom My mama got seven fifty credits score shes getting twenty five thousands and thirty thousands, and she sending me.

Text my son's got another thirty thousand.

You know what I mean?

Uh, Son, I just got approved of my range drover and just stuff like that.

So like, internally, like my family and stuff like that, me being in to put them on game really probably like what I really, you know, it's happy about and proud to say and talk on and speak on them, being positioned to be able to level all stuff I was talking about.

Mm hmm.

Had the way she could switch it back.

Hey, you know, you know we're still a nigger egg and this shit or.

Let me ask you something though, So before you got damn you know how people got family member that big before you just give them your money.

You'll help, your help, be it their credit cup.

Yeah, and I got I got like a little situation I do.

Now I have to learn this too.

As I start getting money, you started becoming the backbone of the family.

And now I understand what these rappers and these athletes people be talking about.

Man, it'd be like, man, you changed, now it be other people changing.

You didn't used to ask me to pay for the funeral.

You used to ask me to pay for these things that you getting in trouble your life.

You're calling me now and it's crazy because now you got to like you want to help.

But at the same time, what I did learn I learned this from one of my mentors that make it's a multi millionaire.

He said, you got to learn how to say no.

And I had to learn it because at first I was yes, yes, yes, and I'm starting to see a lot of money coming.

I'm like, where is money going?

It was helping to me and people, you know what I mean.

So I had to start learning how to say no, and I got a system for it.

That's my system.

I use it.

It's like credit bank.

You asked me for one thousand dollars.

Ah, you know what I got you, right, I give you a thousand dollars, but you got a credit line with me.

Now you don't pay me my thousand dollars back.

I'm not giving you no more money, so you pay me back.

I don't mind keep lending you money cuts.

You know, you get in a situation.

I give you a thousand, I don't mind it.

You pay me back like you say you're gonna pay me back.

You can borrow again when if you want to.

But this is the part I love.

I give you a thousand dollars, you don't pay me back.

You know what I bought you away from me?

I did that do that loan?

You know what I ain't.

I ain't evenna get mad.

I used to get mad like man.

You's I looked out for you.

You know what it is?

Thank you, because now you ask me for another dollar and you can't even get mad at me no more because.

You still get mad.

You can't they really can't to get mad at me because you you didn't even pay me back.

So how you get mad at me for I say no no, So that's my sisterm I got for for that.

You know what I'm saying.

I can't wait till you cleave fuck up, no go hurry.

Up, as you know.

But I'm gonna give you somebody know you can't hung here.

You go now, he'll take three thighs s.

Yeah, he ain't gonna never pay me back.

I know you ain't gone, but yeah, all these people man on this internet stuff glory and find all this wild stuff that's going on the internet and all this stuff, like, man, they need to glorify, you know, retiring they mama man, staying out the streets, not going to jail, not killing nobody, not doing all that mound stuff and becoming a millionaire and change the other people's lives and retire your mama and buying your mama house.

Man.

I think we I wish we could just shift that whole narrative the right way because then, man, stuff will be way different around here.

Bro.

What type of heabits you had to get rid of?

Uh?

Man, A lot of them.

So the first one was like doing the everyday thing that everybody do that keep them comfortable and keep them broke, and one of the number one things I had to do the stop was watching TV.

I'm gonna ask everybody on this screen right here, how many hours have you watched TV in your life?

It's gonna be so many other hours that you watch TV.

But then I'll ask you this, how much money have you made from watching TV?

And one of my mentors asked me this one time, and I boy, that stuff hit me in my chest, just like it just hits you.

He said, how many hours you watch TV in your life?

I said, man, thousand, watched basketball, all the TV shows, I be watching everything.

You're like, yeah, yeah.

He's like, how much money have you made you?

I said, damn.

I couldn't even respond right, And there's like none, zero dollars.

But it's so crazy that most of us spend hours of our time doing things that make us no money.

So the first thing I had to stop doing, I took all the TV's down in my house.

They no TV's in my house for the next year, because I need to be learning skills that can make me more money.

Why would I keep focusing on TV.

These people already rich and got brands and got all these things, and they rich already, and I'm sitting down TV giving them views to make them more rich.

And my family over here broke and we ain't got no money.

So my perspective was, all right, let me stop watching TV.

And I believe that everybody should stop watching TV.

It's the reason why Lamborghini don't got no commercials on TV.

Why Limburghi you don't got no commercials on TV?

That shit because it worths up because.

The people that the people that sitting down watching TV can't afford their product anyway because they know they broke O.

Soul.

Why would I be in a position to watch TV ain't making no money when it ain't where I need to be.

What we need to be is learning.

What we need to be is in the conferences and events from listening tomorrow tight millionaires who they made fifty million, How they did it step by step?

What I'm sitting here listening to all.

The music and watching TV for and watching Lebron's thirty but I'm not make thirty thousand.

Let me ask you something, did they money and motivate your change?

Like damn, I see when you start getting money, it made you look at how I can get more money?

Basically, right, Yeah, when you started to leaning shit like, man, I can make more money if I won't watching TV, I can make more money.

Yeah, that's the first glimpse.

But the first glimp was how how does the person?

How is people out here in the world making fifty million, one hundred million?

They bleed just like I'd be.

They got the same twenty four hours I got high.

It possible that they making fifty million a year and I'm only making fifty thousand a year.

I gotta do something different what I've been doing.

I haven't been working my whole life, and it ain't gonna be what I've seen around and my comfortability or my environment and all that stuff.

It ain't gonna be that because I've seen that happen already.

I've seen what happened when I was due the drugs, the scamming and working and working a job and trading their time for money.

Mostly nine times out of ten, it don't work or it ain't enough, you know what I mean.

If it do happen, you get your little run and then there's over it, or it's gonna be some.

Problems on the back end.

You got the side effects, all the weird stuff it's like, I don't want to do none of that.

So let me go find out what the people that's doing that making fifty million dollars and they peaceful and they kicking their feet up.

Let me go listen to what they doing every day and consume what they doing.

Put me on games to what they do, and let me do those and put those things in place so that I can be comfortable, peaceful, in free and being able to make his money's money.

I want to do whatever I want to do in life and be peaceful with it at the same time, and had the freedom.

I'd rather have that any day.

Real shit, me too.

So let me see what else I said, legacy.

Do you think your legacy gonna be when it's our?

Said the legacy man.

Right now, my brand is growing pretty quickly, pretty fast over the Internet.

People starting to know who, what I do and how I help people.

So I coached over five thousand peoples thus far throughout the last five years.

But I think the next stage for me is going to be getting to probably coach probably ten thousand people.

But then what I want to do is I want to teach all ten thousand people how to get access to their firste hundred thousand and two hundred thousand dollars.

And then what I want to do is I want to bring everybody that I taught how to get a hundred KT two k to now come and do a group project and meaning like, all right, I just put all that long game out to get your first hundred K two and K.

Now, everybody come back in and put up twenty thousand, right, and then now if I get a ten thousand, y'all to put up twenty thousand, Now we go do some big.

Now we go take go get skyscrapers.

Now we go buy banks.

Now we go buy big stuff.

And I can be able to pull in my relationships, you know what I mean and coordinate and quarterback the situation that where all the people are taught to get money right, and the people that got relationships with out build over time in business, and then now we can go.

Buy big stuff.

I'm talking scottscrapers, hotels and all these different things, so that now everybody can eat together and like if you can get a percentage, you can get a percentage, can get a percentage, and we all making money together.

Now we're starting to set true freedom for ourselves because the type of money we're gonna make with being able to put all the money together getting ten million, twenty million and then put it up to acquire some one hundred million.

Now this changed the game, Like we're doing some stuff that ain't nobody gonna be doing before and that it's gonna change everybody's lives.

And it's like, I feel like I can be the person to be at a bridge that gap for that to be able to happen.

But I gotta put everybody on game first.

I gotta educate people first, and I got to get them to understand, like we got to be able to learn the game, how to do this, how to stuff work, how to invest in work, and how money work first, So then I could be at a quarterback some of these players on a bigger level.

And if I could be able to start getting in tune with the right people, especially big household names and people that everybody look up to, to be able.

To show what I got going on.

And just be able to bridge that gap to this stuff can blow up bigger than probably man, some bigger stuff I've ever seen in my life, you know what I mean, or the other people I have ever seen their life.

It's like because I got the pieces in my head, but it's like I still need the exposure.

I still need the partnerships.

I still need to collab with the big people or the right people to be able to push the message out the right way, to be a position there.

Right, But like that's gonna be the legacy or what I want to be able to do before I go out.

You know what I mean.

You're still young though, and you got to know that still young for sure, and ship you're doings doing, you know what I'm saying.

It take for people to get on that.

You know.

But I've been seeing a lot of young, young dudes in this space right here, and that's what we need.

We need people that look like us for us to believe it.

You know what I'm saying, Like, somebody look at you, like, now you get how you get that money?

Believe you because you getting it, Like.

You said, the proof I'm showing y'all locking my account here here it is live like this.

So I just think we just we as black people and young black people just see the easy route and be.

Like, shit, that's the quick way.

Yeah, you know what I'm saying.

Nobody don't want to grind no more.

But I don't want to God damn put together plan, you know what I'm saying.

So, but yeah, they gonna have to.

Bro.

It's twenty twenty five too.

It's like at first the story was, man, we come from a black family.

They ain't teach us this stuff.

We ain't never learned it in school.

We ain't my parents ain't know what the teacher said, and all this stuff.

That was the excuse at first.

But nah, I feel like this stuff everywhere.

Bro.

You got a phone, you gotta, you got internet.

Bro, this stuff everywhere you gotta.

You just gotta go get it.

You gotta.

You gotta sit your butt down and be willing to just learn.

But like you said, people do they want the fast.

It's like that's not reality no more.

Bro.

Like it gets to a time where it's like, nah, you gotta put the work in.

You gotta sit your butt down and learn.

You know what I'm saying.

It gotta be different.

If you could break your journey down into one listen for the people, what would it be.

So I'll say, if you don't learn how to leverage debt, you'll always working for somebody else.

That do.

This is one line the person that make millions of dollars told me when I first got started, too, And I have to sit down and under like really grasp what he meant by that.

And I sat down on myself and just listen to the line again, like all right, if I don't learn how to leverage debt, I'll always be working for somebodys that do.

So Basically, what they was meaning is like, all right, the people who are working for other people, right, Like let's just say in the hotel, when you're working at the hotel, something like that, the person who owns the hotel is leveraging debt to be acquire the hotel.

So like you got to get a loan for all these different things.

So they'll learn the game of leveraging debt while they at home twiling they turns with their family and kicking with their kids and being people.

The people who work in the hardest in this business are making at least amount of money.

So you're making fourteen dollars a hour laborers, you know what I'm saying.

And it's like you train your time for money, and you work in all these hours and you at the bottom of the total pole.

So it's the truth is not about who worked the hardest.

It's not it's really who worked the smartest.

You got to work smarter and harder.

So if I could just learn that concept of if I can learn how to leverage that, which is meaning get loans and lines of credits to be able to start the businesses and investments and own property and owned businesses and own these things and be the owner of these things and people work for me and be in that position, I could be able to get ahead in life because now I can create the freedom for myself and I have to trade my time to.

Make the money.

And then if everybody can start grasping that concept and start grasping what they need to do and work towards, then they have a better future of what they need to do for money wise and making money wise and investing money and managing their money the right way.

I think a lot of people start understanding that concept, they can be able to help themselves when they come to making money and getting to the next level.

Really shit, you know, I always do book book of the week.

I would let you tell us what books you read, and you know what I'm saying, which one impacted.

To the most.

Uh, what books are that impacts me the most?

It probably was this book called A hundred Million Offers one hundred million offers, it's really two.

I gotta give him two.

It's one hundred million offers.

So it's about to do that.

Alex Somosi and this dude all this some more.

He probably like the number one entrepreneur in the world right now.

Last month he made one hundred and seven million dollars in one day.

So he made a hundred million dollars in a day.

I seen it with my own eyes, and make a hundred million dollars in a day.

And in this book, he just teaches you how to curate what to sell to people to make people want to buy.

And it really put me in my mind in the perspective of how to create things to be that make people want to.

Buy for me.

So now I got things for sale to where it's fifty dollars a month, five thousand, ten thousand, twenty five thousand, all the way up to a hundred thousand that I charge people to be able learn from me or I set things up or build things for them, and I wouldn't able to be able to even understand how to even build something that's worth twenty five thousand, that's make it work for a person even pay.

Me twenty five thousand dollars.

But he made me learn how to be able to curate and create something like that to make it valuable enough that if somebody gave me a hundred thousand dollars or now, I could be they have to make five hundred thousand or a million.

And it's like in that book, it taught me that and then one too many it was just teaching me some online stuff how to digitally, you know, get better at selling online.

And those two skills that have made me MULTIPI million of dollars off just them two books.

So those would be the two books that I would say that people can learn what I know and what I do at a higher level.

What those are the books I learned.

And I don't really read books.

I just started reading books like two years ago.

You're not all thirty years of my life.

I ain't read no books in school, college, nothing.

But when somebody said they made a hundred million dollars, I sat down and I read it because I'm like, this makes sense.

I don't want to read no stories about your background and you from Chicago.

That's cool, and I'm trying to see how you made any even and then if you're gonna if you're gonna sit.

It down in this book for the step by step, I.

Sit down and learn.

So I really done my first book I ever read in my life.

You know what I mean?

And that that made me understand too.

They do put a lot of information in these books.

If you want to hide it, you want to hide it from the people look like us.

They put in the book because people ain't willing to sit down and learn.

But I'm willing to go do it for what I.

Want for sure, this next, Lady snitthen what's.

Next for me?

Man, I'm really in my I'm really in my investing bag now, like I just want to.

I just want to get to a point where I could do my goal, my next big goal.

I reached a lot of my milestones that I wanted to reach.

My next goal is do a million other a month.

I'm about to lock in every month, every year, every every minute that I can to position my business to do a million dollars every thirty days.

It's gonna happen.

And when I and when I do that, then I can chill because everybody, a lot of people around me, a lot of people follow my dream.

When you've been working so hard for.

The last four or five years, and they like, man, when you're gonna chill and when it's the time that like chill and and not be just so conservative and locked in all the time and just like not doing all that.

When I get to my goal, and that's probably my next big goal, that I got a million dollars a month, I'll be happy.

Then then I can chill out.

Then I can be on vacation when I want to for months at a time, weeks at a time.

And I got wires coming in on auto probably every thirty days, so I ain't got to worry.

But money ain't even worry to me no more.

I'm gonna tell you something, it's cool to say, as soon as you get it to a million dollar month, you're gonna be gonna work so hard.

You're gonna know that you can get that motherfucker the ten years and that's gonna be the next goal.

Go goal's never stopped.

So it been like that, right.

I was like, now I make my first fifty here month, be good money.

Been good.

Five hundred dollars month's gonna be good in fact.

But what I'm starting to realize, I'm starting to learn the work ethic and what it takes to do all that and position.

So now my mindset is starting to shift a little bit out of do I want to do ten million a month?

Make a hundred million?

Because I understand the work ethic and the continuation of how much work and how much locked in, how much separation it's gonna be for you to able do it.

I kind of don't want to get to a hundred million no more, because it's gonna take so much out of you that you ain't gonna have no life.

Like I understand how to do it almost now, like what we need it takes to do it, and it's like I.

Kind of don't want that.

I want more.

I'll take less money to get more freedom and more time to be to do what I want and chill and relax and be peaceful versus it's chasing, changing, chasing, locked in, locked in and locked in all my hours could could do to this one thing to make it a hundred million.

I kind of seen people make ten million a month already, and it's like they is busy.

They is they captivated in that like they they in that thing because it's like to be able to make ten million a month, it's so me moving pieces and so many people.

You gotta hire, you know, their team gotta get big.

You got to hire a hundred employees.

You gotta do it.

And that's like I had to really send and thinking to myself, do I want to be.

Doing all that now?

It's like I did want of At first, I'm like, get that.

I get it.

I made ten million, I need to make a hundred million.

Then I'm like, man, this stuff tiring.

This stuff is keeping me busy.

This stuff keep me away with my kids, Like I probably didn't see my kids.

I've been in the lab in the office space for ten hours a day for the six month straight.

Every time I come on, walk kid asleep.

Like dang, how long I'm gonna do that?

You know what I mean?

So I had to do it to get to where I am, But like how long do you want to do that?

And if you're trying to get to a hundred million, all this stuff and happened.

For years and years and years and years.

So I'm starting to realize, like my unders standing at it, like my capacity to like, all right, how much am I willing to go all in and give my life to all this stuff to be able to build that big thing or not?

And I think on more so when I get to a million a month, I still got a little freedom.

Still make enough money too, I can do it.

I don't got money problems, no more to it ain't worth prob I ain't got enough time to spend a million dollars a month money.

You know what I'm saying, Like what I'm gonna spend every single month that I got a millionaires coming in?

And how I much spend a millionaire?

I can't?

You know what I'm saying, Like, once I make a million or three months in a round three million, I'll get any house, any car, anything, any do buy like any boat, Like I can do whatever I want to do.

So I don't necessarily need to make a hundred millions.

So at first that's how it was, But I think now I understand I don't want that crazy, crazy work.

I think, no more, whooped THEE do that I can be able to get to a hundred million.

But like I take my million dollars a month and be school in peace for you know.

I appreciate you coming in, pulling up on me.

Man, tell the people where they can find you.

Yeah, so it smithy to go on all platforms.

Man, it's Instagram, YouTube, TikTok.

I kind of give game like this all the time on my social media for free.

Like I ain't here to sell y'all nothing, man like, just come in.

Just learn from me, you know, just just fill me out.

Just watch this, Just watch the journey, watch the story, watch what I do every day, and you will be able to learn from my free stuff, you know what I mean.

And I just put you all on game all my YouTube Instagram stuff all the time anyway, and I just want to put people on game about how I've been able to do the stuff I do it and just put your own game for y'all to be able to go do it.

I'm a camera, yeah, man, funda and I need me some funding.

Yeah, y'all gets you right on that credit first, y'all get right.

Uh, but yeah, said you're.

Pulling up y'all likes to strive and come into the big fat network.

Another FA episode of Perspectives with Big Bank follow on Instagram.

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Perspective with Bank, a production of The Black Effect Podcast Network now executive Producers or Dollar Bitch Chanel Collins and produced.

By Aaron A.

King Howard What Up Game.

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