Rebuilding Life Through Credit: Antoine Davis Bey Journey from Incarceration to Financial Empowerment

Master the science of credit and unlock financial freedom with our special guest, Antoine Davis Bey, also known as Faithful Member. Antoine's compelling journey from his roots in Chicago, through transformative experiences in the penitentiary, to becoming a beacon of credit literacy, is nothing short of inspirational. He shares how his deep-seated passion for law and spirituality, inspired by Noble Drew Ali and the Prophet, has driven him to assist over 400 families and establish the impactful 850 Credit Team in 2018.

Join us as we recount the powerful story of a CDL driver who rebuilt his life post-incarceration, transitioning into trucking and ultimately credit consulting. Antoine emphasizes the pivotal role of acquiring trades and how the trucking industry served as a vital stepping stone, despite its initial challenges. We also delve into the ups and downs of entrepreneurial ventures, the importance of credit in financial stability, and the insights from Antoine's groundbreaking book, "Creditology: The Science of Credit," which offers tangible strategies for building trust and success within the community.

Explore essential strategies for leveraging credit to escape the traditional job market and create a successful business. Discover the importance of a solid business plan, the strategic formation of an LLC, and the advantages of trade lines. Antoine's expertise extends to modern tools for business planning, the power of mentorship, and the concept of multiple streams of income. With actionable insights on asset protection, investing in life insurance, and the critical aspects of financial education, this episode is a treasure trove of knowledge for anyone aiming to achieve financial empowerment and community development.

Transcript

Speaker 1: 0:00

So we got, oh, and we are live. What's going on, everybody? It's Ron Brown, lmt, the People Fitness Professional. My co-host is on the other podcast. He needs to tap in on this one right here. What's going on, brother? We're talking about the science of credit right now. Let's build on that. Right now, brother, let's you know, first off, introduce yourself and let's go right into it. Peace right now, brother, let's you know, first off, introduce yourself and let's go right into it.

Speaker 2: 0:28

Peace and love, brother. Thank you for having me on this show.

Speaker 2: 0:31

First of all, I appreciate the opportunity. I'm a faithful member, known on social media as Faithful Member. My name is Antoine Davis Bay. 850 Credit Team is my company. First of all. First let me give praise to Alado. You know all praise is due to Alado. All honors to the Prophet Nobodri Ali. All honors to Marcus Garvey. All honors to you, brother as well, for having me and everybody that's listening right now.

Speaker 2: 0:58

So what I do yeah, you pretty much hit it on the head, man. I break down the science of credit. You know, dealing with the United States Corporation, dealing with these banks, just moving in a new capacity, just understanding other options, financial options. You know, to take finances to raise this nation. You know our people are suffering financially from just not being literate when it comes to credit, when it comes to banking. So you know, I've been on a journey with this for a while. 850 Credit Team We've been around since 2018. So we definitely stood the test of time. You know what I'm saying. There's a lot of people come and go, but I like to pride myself on being one who's been thorough in this information and, uh, lastly, been around for a while okay, okay.

Speaker 1: 1:48

So just like give us a brief history about you know, uh, where you come from, you know your history and and the teachings, prophet nobel joe ali, and, and you know, let's just go right into the credit, oh definitely.

Speaker 2: 2:03

Um, I'm originally from chicago, so 30 years, born and raised there. This information was something I came across helping my mother, helping my family. She was seeing my mother struggle. I was raised by a single mother, like most of us was Most of us want to help our mother out. You know what I'm saying. So my mother was in debt uh, student loans, irs, name it. You see I'm saying so. She's a working woman, working hard, but, you know, without that credit piece, it was just limitations. So, uh, she the ones actually started buying books. I was had, came into a knowledge of self. I went to the penitentiary for three years. I got released 2013. That's around where my journey began 2013 era.

Speaker 2: 2:56

She picks up the credit secret books and different books like that I just started reading. Take Off with it. I helped her remove Stu Lones. I helped her remove IRS debt. You know what I'm saying. And then, once I got a niche for it, I actually started working for a company called Financial Educational Services. You know what I'm saying. So they kind of taught me the ropes too, like how credit go far as dealing with customers, how to automate your business, different little things like that. Just give me some experience in the credit world. You know what I'm saying.

Speaker 2: 3:26

And then that's when I launched 850 Credit Team. I was actually driving Ubers back then. You know what I'm saying. And you know it was on a whole different pay grade. You know what I'm saying.

Speaker 2: 3:37

So credit has been wonderful you know what I'm saying in my life and that, with a few other things you know, helped me elevate. Saying in my life and that, with a few other things you know, helped me elevate. So you know social media, man, all that is just a great tool for me to utilize. So with social media you know what I'm saying you don't have to have no bill, no brick and mortar. You know what I'm saying. You set up your website, do good business, get some reviews. So I went around pretty much like doing all my family credit for free. You know what I'm saying. Just try to get those receipts up. You know what I'm saying. And then, once I got a niche for it after about 10 people you know what I'm saying. That's when I came out public with it. And now we've been blessed to help over 400 families. You know what I'm saying. Still counting, still going, and right now we're just elevating, we're just adding more to the services and you know, it just led me.

Speaker 2: 4:28

So this whole movement is like from 2013, me picking up books and reading it led me to knowledge of self. You know what I'm saying. When we talk about Noble Jorah Lee, I like to say Noble Jorah Lee found me. You know what I'm saying. I didn't find him, you know what I'm saying. Him, you know what I'm saying Because I was searching for truth. You know what I'm saying.

Speaker 2: 4:50

And I was a Christian. You know what I'm saying. I was a Baptist. I even was in a choir. You know what I'm saying. I was faithful to that because I wanted to devote myself to something spiritual, because I'm a Stelium and Sagittarius. You know what I'm saying. So that's a spiritual sign. You know what I'm saying.

Speaker 2: 5:00

So, yeah, with that, you know I picked up these books. I learned about laws and things like that. I have a. I'm a Libra, so I have a just a passion for law to be real. You know, I love that law. I love, I love what you really was teaching. I love, you know, because the way you really taught the Islamism he makes it open for Christians to convert. So you know what I'm saying. So when you read the Circle of Seven Korans talk about Jesus. So it wasn't a far fetched you know what I'm saying. It wasn't like a far fetched system from where I came from, and it was just like giving me more truth of what I already kind of knew or believed in. You know what I'm saying, so it was easy for me to accept it. You know what I'm saying Because of my life and what I've been through. But I joined the Moorish Science Temple of America in 2020. Right before, like right around, covid area you know what I'm saying.

Speaker 1: 6:00

Now, before you go right, I got to cut you off real quick, pardon me, and then we can continue. Don't lose that thought. Now the thumbnail says from the trenches to the temple. We can go, glaze over that and then get out of here and we can go right back to what you're saying Now from the trenches. From the trenches, is what Meaning what? From the hood?

Speaker 2: 6:22

From the lowest of the lowest, lowest man, the bottom of the bottom man. And I'm talking mindset. You know I'm saying because if you go to chicago, a lot of people, I mean it's a beautiful city, but what I tell people, man, the streets, is a mindset. It don't exist for real, right. So you, when you go inside the houses and talk to these people, you see their mindsets. You know I'm saying it's very scarcity, like they don't, there's no resources. So I come from that with like no resources. There was no, no outlets. It was uh, you know I'm saying everything was focused on drugs, like I didn't even know how to invest money. Only thing I knew how to invest in was weed or some type of drug. You know I'm saying so.

Speaker 2: 6:58

I come from a family of my whole family, gds, bds. You know I'm saying you know that's the culture in Chicago. It's not even a choice back in the early nineties and eighties, like it's not, like, oh, you, you pick, you want to be GD, nah, back then you had no choice. You'd be jumped in. You'd be jumped every day if you didn't attend your meetings. You know what I'm saying. So I come from that type of era. And then, you know speed it up. In the 2000s I made a lot of poor decisions. You know what I'm saying Coming into adulthood, my young 20s, you know selling drugs, getting into the streets, laying me to the penitentiary. I did three years. Got released October 11, 2013. And you know what I'm saying.

Speaker 1: 7:42

Cook County, Cook County Jail I did.

Speaker 2: 7:43

Well, cook County is the county. But I went Cook County, cook County Jail Out there. Well, cook County is the county, but I went to it's called Stateville Penitentiary, okay, yeah, so you go to the county first, you know what I'm saying. So I did like six months in the county. Then you get transferred over to the penitentiary, okay, and that's where you do the majority of your time until you release. So yeah, stateville, jacksonville A lot of people from Chicago know them names, you know what I'm saying.

Speaker 2: 8:04

That's, you know, one of the max penitentiaries with a lot of killers and a lot of people go, you know when they catch murders and stuff like that. But I was fortunate man, I always had a good heart and, just, you know, a good kid in a bad city man, an angel amongst demons. I like to say you know what I'm saying and I I just adapted to my environment, man, and when you ain't got the certain elements you need to succeed in life, you know what I'm saying. Nothing for you, but fail you. You see what I'm saying. So I didn't know about credit, I didn't know about any of these things, I was just ignorant. You know what I'm saying. Didn't want to be ignorant, but by structure I was ignorant. You know what I'm saying. I don't play no more, I'm almost 49. But you know what I'm saying. That was my life, my young life. That was all about Kept me out of trouble. So, even like living in a gang culture, I was cool with everybody. I'm cool with the four-corner hustlers, the vice lords hooping, you know what I'm saying. So that keeps you out a lot of trouble and a lot of people like you when they they can use you. You know I'm saying you're good for something. So, um, you know, coming from that type of background, diverse gangs and that type of life, that's, that's that trench life like man, you know, uh, you got people around you doing a lot of wrong. You know I'm saying people around you robbing, killing, stealing. You know I'm saying what they call drilling now, so we call from, we come from that drill, that drill city. You know what I'm saying. What killing is is the coaching. You know I'm saying everybody, my family, killers. You know I'm saying be real. You know I'm saying I got a cousin just got out doing 30 years, brother just got out doing 20 years. You know I'm saying so. For me like to see that.

Speaker 2: 9:41

And then transition to where I'm at now. I got a real passion to communicate this to the masses because I know how ignorant my people is. These young boys is out here and ain't no outlets, you know, saying nobody to tell them something that's going to be beneficial. And, like I say, take finances. So when I came into that credit life it was like man, I thought I had to answer. But you know, people have to be accepted to this. You know what I'm saying. You can't force nothing to nobody, man. You can lead a horse to the water, you know what I'm saying, but you can't make them drink. So that's kind of where I come from with that, like just my whole background. Transition to the temple is really when Drew Ali say, hey, I want to uplift, we here to uplift following humanity. You know what I'm saying. That's that's. And he said take finance to uplift following humanity. Not that's all. But you know, sam, what can we do without finances and unity?

Speaker 1: 10:36

Right now. I want to, I want to ask you this. So now, now that you gave a summary of what the trenches means, now I understand where you're coming from, you know what I'm saying Right, so now, now we understand where you're coming from.

Speaker 1: 10:50

And so now, after doing it three years and everything like that, you got out. And then then you then you just started I don't want to say immediately started trying to figure out the credit. But when you got into doing the credit, you then started doing the credit for your family, and then how did it develop? I'm you know, man, there's so many questions to ask you after you just said all that it's like, because what you just said about you don't need a brick and mortar, right, and you need all you need is a website, you need a social media, yada, yada.

Speaker 1: 11:23

People do not realize the error that we're in right now. Man like yo oh my god, like you should not be broke. You should not. There's no real reason to do crime right now. You know I'm saying like you could get on this computer and make it make it work. I mean, it's gonna take time. It's gonna take time to take. You know you learning and stuff like that, and you sit in front of a computer, but it's better than standing on a block. Come on, man, talk about it. You know it's better than standing on a block. It's better than even clocking in and going into work. You know what I'm saying? Well, you could just you could create your whole business right in front of a computer. But anyway, I don't mean to go on that tangent, but you said all of these things that stood out to me. Now, going back to the credit, you had your family, then you started, after you started dealing with the family, and then you went public. How exactly did you go public?

Speaker 2: 12:29

Just using Instagram, facebook, different platforms like that, you know, just dropping receipts, just come in and drop receipts, then following started growing, learning how to engage. I'm actually learning, just six years later. Advertising and marketing I didn't know advertising and marketing, so I was just like a lot of people starting off just coming in raw. No educational marketing, no knowing how the algorithm works and things like that. The science behind social media right, because there's a science to that. And so when I came in, I had a lot of followers and nothing like that. But what I noticed? That word of mouth was my best tool. So I thought you know, do a good job with somebody, they would spread the word. So I gained a lot of clientele like that. Actually, at that time, too, I was driving trucks, so I'm a CDL driver too. So that's something I learned is coming out the penitentiary. I need to trade. I need to because when we talk about, okay, you ain't got to sell drugs, no more, what you going to do, like that's all you know. So you got to learn something, do something you know what I'm saying. Like a trade, especially for men. We should all have a trade or something like something you know how to do Like. You know what I'm saying. So I learned how to do something immediately. You know what I'm saying. And when I was driving the trucks, like you say, I felt like I need to work because, man, there's credit. You know what I'm saying. When I'm learning, it's like, man, I'm putting in 60 hours a week driving a truck across country, all that but is it really worth it? It's the payout I'm getting Because, man, I'm going to tell you, when jumping the trucking game, you get messed around when you're a rookie. You know I'm saying you're not going to make them big bucks. You hear about all the truckers making. You're going to make little or nothing. Like four hundred, five hundred checks. You bring it home. You're going to be like now, look, I read a state in a warehouse. So I'm saying how, everything, no matter what, how much money you make, whatever, send around credit. You know what I'm saying. If you want to get a house, you want to get an apartment, they're going to do a credit check. You know what I'm saying. So if you really want to boss up in the world and go to another level, you're going to have to cross paths with that credit at some point, because that's what they built the system on. So you know, to start off with that, it's like I'm having a whole lot to talk about on the internet. You know I have people vouching for me. I'm getting reviews. So you know I just stayed at it over time.

Speaker 2: 14:50

It's not the only thing I do. It wasn't my sole income Cause, like another thing. When you you said it takes time and then you're going to have good weeks, bad weeks, and you can't. This is my thing. Like you can't depend on customers, can't really depend on people like that. You know what I'm saying. Because people fail you. You know what I'm saying. You're going to have good sales week, bad sales week. You know what I'm saying. And sometimes you might even make no sales. So I had to go through all that, all those emotions. I had to even go back and get a job. You know what I be like that sometime.

Speaker 2: 15:22

But the whole thing is to keep your, keep the goals, keep your dream. You know, to stay to it, stay consistent, stay constant. So you fast forward 2024, man, I actually was going to retire from credit in 2023. But you know, people like man, the people still need this. There is still a lot of masses of people that don't know nothing about credit. Every day somebody turn 18, don't know nothing. So December I come back and learn some marketing. I took some classes, learned some marketing advertisement, invested in that and then now I can make better content. And now it's like I'm giving the game out for free. I just wrote a book this book right here. I got it on Amazon for $24. You know what free? I just wrote a book this book right here. I got it on Amazon for $24. $24. I'm not trying to rob the people. That's a lot of people. Charging Prices are outrageous.

Speaker 1: 16:13

Can you put?

Speaker 2: 16:14

that book up to the screen again. It's called Creditology the Science of Credit. It's on Amazon for $24.99. You get the e-book for $24.99 as well, and it comes with my Telegram group. You know what I'm saying.

Speaker 2: 16:28

So we really just trying to give back to the people. Man, like you know, I gave. To be honest, bro, I'm going to tell you what's crazy. I gave this to for free classes and everything. You can look on YouTube right now and nobody shows up.

Speaker 2: 16:41

You know what I'm saying. So you got to. I learned you got to put some value to it with our people and you got to have receipts with our people. You know what I'm saying Because I'm going to be honest. I gave game to some European brothers, man. They took off millionaires, our people, they want to see you get it first. You know what I'm saying. Wise man told me man fool only learns by experience, from other people's experiences. You know what I'm saying. So you know that's just the way it is. So I'm always going to have receipts. I'm always dropping receipts. If you go to 850 Credit Team on Instagram, nothing but receipts. You know what I'm saying, going back four or five years. You know what I'm saying Because that's all our people value. You know what I'm saying and I understand, I get it because talkers, so many slick talkers, you know you got people coming smoking mirrors man, every day out here. You know I'm saying to run a scam on you. So I get it, you know, but at the same time, man, it's unfortunate, you know right.

Speaker 1: 17:34

So now, after um learning a game, you learn mark. It's uh, man, man, you're dropping it right now. I don't know if y'all really paying attention out there, but he just gave you all a jewel. Right now he already has something to offer the people, which is his information on credit. But the thing that stood out to me was you took a class on marketing. Now where do you? Ok, that's sidebar, you, you know, let's stick on the credit. I gotta ask you that myself, man. But so now let's go into the credit. Now, what's the first thing we should know about credit? Like, let's say, I know absolutely nothing about, about credit. I'm 18 years old and, um, uh, you know, my credit is high because I'm 18. My credit credit number is high, right, because I'm 18. So you know, as an 18-year-old, fresh starting off with new credit, what should I do next?

Speaker 2: 18:36

That's a great question. So you got fresh credit. You got nothing on there. First thing you need to understand is trade lines, which is called accounts. So everything that's reported on your credit is an account, which makes it a trade line Part. So so If you got no credit, you can literally just invest four or five hundred dollars get you a solid trade line. Or if you got a family member who got a credit card, you probably got a daddy, mama, auntie, grandma who had this credit card 20 years. She don't use it, but it's been 20 years sitting there. You know what I'm saying. You can tell your grandma add me as an authorized user. You know what I'm saying. So you get put on as an authorized user. If you have no credit score, it it's gonna shoot you to a 700 off top.

Speaker 2: 19:26

What you got then, what you got to know after that, is banks. You got to know relationships with banks, what banks offer and what they require. So that's why I you know I'm saying that's what I study. I study with the requirement of banks like so this banks require you have 680 credit score, proof of income and uh, what else they might require Down payment, right. So you know that's how you got to come. But then they got banks. You got to understand banks is thirsty, so you got to understand the nature of banks, because banks is in business to give you money. You know what I'm saying. So it's certain, like credit unions I specialize in because, like, say, Navy Fed Navy Fed going viral right now because they don't require down payments, they don't require proof of income. So you literally open up a bank account with no credit, 18 years old, put a trade line on there, go get any type of loan you're looking for With no down payment. You don't got to have a job, because you know you're 18, you probably ain't got no job. You know what I'm saying. You ain't got no down payment because you know you're 18, you probably ain't got no job. You know what I'm saying. You ain't got no down payment. Go right to Navy Fed with a trade line and I'm going to bless you.

Speaker 2: 20:32

Then, from there, this is what I tell people, though. Anytime somebody come to credit with me, I ask you okay, what's your goals? Everybody, I want this, yada, yada, yada. But why do you want it? What's your purpose? Drugs. So you got to have some type of investments, because actually getting this money in credit card is easy in credit, but what you going to do with it? Because you got to pay it back. You know what I'm saying. So you got to look at this as a stepping stone. Like, okay, if you really want to get out your job, you got to form a plan with the credit. So you got to have a business plan. It goes with it. You got to have a form of LLC. You know what I'm saying. You got to start thinking on that type of plan. Like I'm a boss, I can move. Like a CEO, I can hire myself as a president. You know what I'm saying. And it really can manifest.

Speaker 1: 21:16

Slow down, brother, you dropping it on them, oh my God man, I just want to listen. I'm just soaking it all up Yo, because like yo, I've been through this, so like I understand, Can you rewind that please?

Speaker 2: 21:33

Nah, no problem man. You know, truth never change, brother, I got you, but yeah, you sold you 18. You got, say you got a little McDonald's job, you getting full 500. You know what I'm saying? Take that 500, go get a trade line. Forget all that security credit card. You know what I'm saying. Go get you a trade line, cause I'm going to tell you the problem with security credit cards and I know I ain't repeating myself, I'm giving the disinformation now. But the security credit card is credit age right in that. But the security credit card is credit age right. So you already started with no age and you started a security credit card. So it's starting with day one. You know what I'm saying. So your credit age is very low. Nobody's going to mess with that. So with the trade line, you come in about something 20 years. So you come in at 18, but your credit report say 20 years. They don't care. You know what I'm saying. They don't. So yeah, so once you got to a trade line, you go to Navy Federal. If you got somebody that got a Navy Federal, tell them to get an access code to you. You can start a Navy Federal account. You start your Navy Federal personal and business. You know what I'm saying. With that one trade line you can fund your business, you can fund your personal as well at the same time.

Speaker 2: 22:45

So if you're going for, say, you need a car, don't go to the dealership. The dealership don't give out loans. The dealership is not a bank. Go to the bank. That's the source. So you go to the bank, you go to the Navy Federal. They're going to cut you the check. They're going to ask you what kind of car you want. You tell them, man, I want this brand new Benz. You know what I'm saying? It's 30,000. Okay, they're going to cut you the check. Now you go find your Benz. You go to what dealership you want to go to. You know what I'm saying.

Speaker 2: 23:13

And then, if you're smart, you do the same thing on a business. Then you can take that hey, throw that on Toro. Now you got one car making money. You're driving one car, but the one car making money and driving one car, but the one car making money paying for the other car paying for both. So it's about being strategic. So the first thing I say man, you look at credit like I'm from the streets, so look at it like a plug. Look at the bank like the plug. You know what I'm saying. He can turn your life up. You go to him. He can give you whatever you want. So the banks is your customer. So you know what I'm saying. Even when you're dealing in business, don't go for businesses where you have to have customer base. It's sound investments you can make. You know what I'm saying.

Speaker 2: 23:56

Then I'm going to sell this product and not everybody wants to sell a T-shirt or you know what I'm saying. That's cool and all, but bro, like you ain't got to do that. That's, that's stressful. It's a lot of work. So you know another thing I had to, I had to study on was I actually? I actually paid money to learn mentorship and investments. Like you know what I'm saying. So I'm big in mentorship. Like I pay for mentorship.

Speaker 2: 24:19

You got to go to somebody and know what they're doing for you to elevate. You know what I'm saying. Like you want to jump in a field, you can't jump in everything and just fill it out. Trial and error, like some things, take two loans for you, some things. You just have to get somebody to walk you through. So, like I'm big in law, so I learned consumer laws but I didn't know investments, I didn't really know banking, so I had to go invest in those types of things where people was already doing that. Like my brother him 500, you know he's viral. Like him 500. Man, honest to that brother, because he give out the game for a very low price for what he do. Bro, a millionaire off this. You know what I'm saying. So he taught me how to like invest a lot different type of investments. You know what I'm saying.

Speaker 2: 25:01

You can make with these credit cards, these bids. You can have 10 LLCs. You know what I'm saying. You don't just have to have one. You can go to Navy Federal and run an LLC, play 10 times, 20 times over different LLCs with that same personal credit.

Speaker 2: 25:15

So it's just understanding, first, trade lines. Second, understanding the nature of the banks that you're dealing with, research and go on their websites, look at their credit cards, look at their requirements car loans, things like that. Even go in there and talk to them, go ask them. Hey, man, I got 700 credit score. I'm just trying to see what it takes to qualify for your products and they'll gladly tell you because they in business to give away this. They're not in business to hold it to their chest. They don't make no money unless they charge you interest. You know what I'm saying. So you gotta look at it like that, like they need you, you know.

Speaker 2: 25:51

And uh, one thing I learned is credit is your best option. A lot of people try every option, but credit like, oh, I'm gonna try to get money over here, I'm gonna try this bit, I'm trying to do that. But the credit is an industry of its own, it's a business of its own and you know, real estate, man, come on, you get. It's just endless possibilities which you can do once you got that money and a purpose and a goal. You know I'm saying you can man you, you can turn up. It's these. These kids don't understand. Like, we're in an Internet era, so you could just cut on the Internet and learn this stuff. Like, instead of wasting your time watching videos and rap and entertainment, you get to spend 30 days on the Internet learning and change your life.

Speaker 1: 26:33

Right, Right, Exactly so. Now I like when you said you know business plan et cetera. So, before we get you know, delve more into the credit piece. How is it important? Ok, so I get, let's say I get a, I get a loan from Navy Federal. Now what am I going to do with that money? That's why I'm saying is imperative for you to have a business plan. Right, Because now you can run the play with that money properly. Right and exactly so. Is that? Is that the best strategy?

Speaker 2: 27:09

Yeah, indeed, that's the best strategy to do it in a business side because, like, utilization on a personal hurts you, so say on the business side, they reward you. On personal hurts you, so say on the business side, they reward you. So if you open up a business account and then you get a credit card on the business, you can max that out. It don't hurt your personal credit. You know what I'm saying. So you might need all that money. So say, if they give you a credit card for five, 10 K, just starting off, that's a lot of startup money. If you got a plan, you can fiveK, you can go get an ATM. So you know what I'm saying. You can go max out that 5K, go get you an ATM. That's going to create some residual income for you, pay that back and they're going to boost your credit limit. It goes up and up. And then another thing you got unlimited credit. So you really need to research like American Express man, they giving out unlimited credit. Like you can go get a gold card. You know what I'm saying. It has no credit limit on it. They have to prove your purchases. But if you you know what I'm saying Minimum purchase they want you to make is 30K. So you 18, 19 years old with a 700 credit score we talking about some serious money Like you can go swipe 30K, go buy you a small building, a small house or something like that. Renovate it. You know what I'm saying. Now you got 100K profit or whatever how it works, you know what I'm saying and then pay these folks back. So it's just man, it's just really that's the way.

Speaker 2: 28:36

Like that's the best option for you to go is to get your credit right, because that's the bag. You like how you're going to save up money and you're working and spending money at the same time. Like it costs to live in North America. Like you got to pay for electricity, water, everything here. Like just to go outside, you're going to lose money. Right, you're going to spend money. Everybody know that. Like you know what I'm saying. Going outside costs Everybody know that. You know said going outside costs. So the best thing is use other people money Never top your money. You know saying because credit is recurring and once you pay that back, you always got it. But once you spend your money tied up, you know say you got to wait on that return the income to come back.

Speaker 1: 29:18

But that's a fact for me. I, you. Now, I just want to let everyone know that, um, as far as like a business plan, right, let's say, if, uh, before you even go get a loan and you come up with this business plan, um, you don't have to do like back in the days when I was like 18, I would have to. You would have to go to, like the business library downtown on 34th Street and all types of stuff and books and all that. You don't have to even do that right now.

Speaker 1: 29:45

You could, you could go to Fiverr. You go to Fiverr. It's a. It's a, it's an app that you can, you could put on your phone. You, you, you go and hire someone to do your business plan for you for, like, really cheap, and then you know, that'll save you some time. I mean you'll, you'll lose money, a little bit of money, but you'll gain so much with the, with the, with the business plan. So with Fiverr, fiverr, you can your business plan, social media marketing, like, there's so many resources out there for us right now to get what we need in life. You know what I'm saying and you know, uh, yeah, you're going to have to work hard, but, uh, you don't have to work as hard as our people that had to back in the days with the internet and everything like that so.

Speaker 1: 30:37

So now um moving forward, after you take the business plan, you do the business plan and you invest. You take Navy you do the Navy thing and Navy federal you get the money, you invest in the idea. What's next?

Speaker 2: 30:58

All right. So now you got your business going, you're flowing. You got investor marketing, advertising. That's an investment. Everything is going to be investment if you want to increase your clientele. So say, if you, let's say, you're selling t-shirts, you know what I'm saying A lot of people try to go to their family, sell like their family, and people are not going to support you and you know what I'm saying Like strangers support you. So with the internet, like you said, like man, you got a chance to reach the buyer direct. You know what I'm saying. So you can use Instagram, like you mentioned Fiverr. Go go to Fiverr, have somebody hook up your Instagram. You know what I'm saying. If you don't know how to do it, you got AI. We got AI 2024. So, man, you got so many resources that you can just market yourself I use Canva a lot Make your own flyers and things like that and just be real professional and educate yourself. You know I'm saying because education is what's going to increase your riches. You know I'm saying the more education you get, the more money you get. You know I'm saying so after you say say, okay, you got a bag.

Speaker 2: 32:11

After doing this, what's next? The end game is go buy some land. The land is the best investment to put your money in, because man agriculture, things that you can build on the land. So go for ownership, start owning things and then start buying things in your business. Set up your trust. You know what I'm saying. Start letting the trust hold assets. Stop putting everything in your name because you're making yourself liable Somebody you know what I'm saying, especially young men.

Speaker 2: 32:38

You are man, child supporters. You don't want to face it's a monster. You know what I'm saying. And you got assets and things like that in your name. They're going to come after all that. So you know, especially doing business, even just doing business you got things in your name or you got things in the name you do business in. You're making that liable. So say you know you had a dissatisfied customer or somebody that they sue you. Then they can come after your assets.

Speaker 2: 33:04

So you have to learn asset protection. You know what I'm saying. Protecting yourselves at all times. That's something we not taught.

Speaker 2: 33:12

You know what I'm saying. That we got estate and that you have to protect that estate. Your estate is everything. You have your bank account. If you got a bank account, you got an estate. You know what I'm saying Because if you die today and you have money in there, your kids can't even go in there and get that out of there unless they got your debit card PIN number and all that. But they can't get that out of there. You know what I'm saying. So you got to have things set up for the rainy day. You need in um see what I'll do. I'm a big investor, so I invest in uh, life insurance, uh things like that. Man, them sound investments, them investments.

Speaker 2: 33:46

You can't not lose that because you put your money like, instead of putting your money, holding it in a bank, even though we use the bank, don't keep your money in no bank. Put your money in life insurance policies, because they can't touch that and it gains more interest. So the average I will what? Nine percent, ten percent on your money. The average savings account is only one percent and they both doing the same thing. So when you know the nature of the bank, the nature takes those savings and they put it on trademark and then they pay you back the one percent. So the iul do the same thing but pay you back ten percent and you can borrow against it. So now you're your own private banker. You know what I'm saying Because you could borrow against yourself. This is generational wealth building. You know what I'm saying. Then you had a trust as the beneficiary to your life insurance. So now, even when you die, they can't come and guard your beneficiaries because they've been transferred to a trust for them and now you just keep it going. You know what I'm saying. You got generational wealth just built on a few moves you made and that's what we all got to get to Like.

Speaker 2: 34:51

If you read a book like, what would the Rockefellers do? That's their game plan. You know what I'm saying. Go read the book. What Rockefellers dude? That's what they did. They bank and insurance. Banking and insurance go together. That's why all banks are insured. You know what I'm saying. The biggest investors on the market is insurance companies. You know what I'm saying. So they go together. That's what I would suggest you do with your money Invest in some land, some real estate, some solid investments, and then invest in residual incomes like certificate of deposits, life insurances. You know, like Bank of America got the COLA's certificate of deposit program because they got it for the business. If you, if you get up to 10K and you put 10K in a certificate of deposit, deposit in two years. They give you a quarter million back in credit and they give you a 10k back because they use your certificate deposit to trade on the market. You know what I'm saying.

Speaker 2: 35:49

So that's another explain certificate of deposits so certificate of deposits is basically a certificate for your deposit and the certificate represents what you deposit. So you can't get it out until a maturity date. It's usually two years. So say, you put your 10K in the Bank of America certificate deposit. They're going to give you a credit card for the 10K as well. But it's all business. That's all business credit. The money sits there, they trade it. It's a cumulative value for them, they make the money off of it. So the money sits there, they trade it, it's a cumulative value for them, they make the money off of it. So they hit you in two years At the maturity date. You get, like I said, a quarter million, $250,000 in credit and then you get your 10K back in cash. So you get from a 10K credit card. You get an immediate increase to a quarter million. So you know what I'm saying. Uh, that's what that's, that's how you do that with that certificate deposit.

Speaker 2: 36:51

I mean a lot of see, that's what I'm gonna keep it real. That's what a lot of these europeans doing. Man, they, they invest big on because you can have unlimited certificate deposits. They put certificate deposits in their kids' names. You know what I'm saying. When they have babies, they open up a certificate deposit and then let it sit in there until they're 18, pull it out. You know what I'm saying and we don't know those games. So you know what I'm saying. You got to know the game. Like what they're doing, like what's the investments where your money needs to go, because your money make money for itself. If you know what you're doing, that's where residual income is.

Speaker 1: 37:22

You're not working for it yeah sure sure, uh uh shouts out to uh king simon. That is a good book. What would the rockefellas do shout out to king simon, man og in the game. We really appreciate you, love you, brother. Uh, that's all I want to say. I wanted to add on you said about the life insurance. I was saying cash value. Appreciate you, love you brother.

Speaker 3: 37:41

That's all I want to say. I wanted to add on you said about the life insurance. I was saying cash value, can you hear me? Yeah, life insurance is very important because our people have a stigma when it comes to purchasing life insurance. I learned about that at 24-25 and I was like it's important to have that, because not only does it protect you when you lose a loved one you have access to bury them but you can also start off generational wealth with that. Because we don't pass that down, we have a whole stigma about life insurance being something negative and you're wishing death for farming, as you mentioned earlier. You've got to change the mindset.

Speaker 2: 38:20

Yeah, man, that's a good point, because life insurance is supposed to be used during your life and people don't know about that cash. They just know the death benefit. Yeah, you've got cash value. Everything you put in there you can borrow right back and use while you're alive and make reinvestments on that, and you ain't got to pay it back because it's your money. You know what I'm saying. As long as you keep making your payments every month, it's gonna increase. You'll see your policy stay open and that that interest gonna keep increasing, you know I'm saying so, man, this brother is just dropping jewels all day.

Speaker 1: 38:50

Man, this is crazy because man, like I, I could just see it in my mind the next moves I'm gonna make right after this I'm gonna pick up that book too.

Speaker 3: 39:00

man, you have to appreciate it For sure, man.

Speaker 2: 39:06

I mean that's what it's about, man Communication, you know, Got it in.

Speaker 3: 39:09

Kindle format. What'd you say? Is it in Kindle format as well, or just paperback?

Speaker 2: 39:14

Nah, just paper. I got the e-book on my website, though the e-book. If you get the ebook on my website though the ebook, if you get the ebook, it comes with the course. So I got a whole course too as well. So I give you a list of banks that I use. I give you a list of uh, um, uh trade lines, like primaries to, to increase, like once you trying to build up. You know I'm saying uh, so yeah, I, you know, the course is of course to. The course is man is more valuable than a book because, just like I'm talking to you now, man, I can say more than I can type. You know what I'm saying, exactly, exactly.

Speaker 1: 39:51

So how much is the?

Speaker 2: 39:51

course. So the course and the e-book together is only $99. Oh wow.

Speaker 1: 40:00

I want to say this, I want to say this real quick before we continue right, a lot of but there's a lot of jewels brothers are really giving the people and I think that if we invest in these brothers programs, I think we'll be good because, like this program right here, your course is $100. Basically, right now you got brother ben for digital real estate. His program, I think, is about seven hundred dollars, um, and then you have, um, uh, the stock brother. What's his name? Trap trap the trap brother. Damn, trap the trap the trap stock brother. Come on, y'all don't know who this guy is, man there's a lot of good stock, brothers man oh man, trap the trap, trap, stock trap.

Speaker 1: 40:55

I forgot his name. He's from new orleans and uh he has a program, he's, he's put out there. I think you know we, we have, um, we have you brothers, man, uh, selling this information for real cheap, man, and it could really change our lives. I appreciate you. Um, anyway, sorry about that, go ahead now um to go back to oh, what?

Speaker 2: 41:19

uh somebody's comment on my side Wall Street Trapper. We talk about the Wall Street Trappers, that's not Wall.

Speaker 1: 41:26

Street Trapper, that's his name, yeah, yeah, yeah, yeah, wall Street Trapper. So now, as far as the course, that's one hundred dollars, that's peace. So now, what? How else should we, what should we do now? Like, after we got the land, we did all of that. Now I see you, you bought a nice little, a nice car out there, man, I peeped it, I peeped that car. What kind of car is that? It looks nice, man, yeah that's an alpha romeo.

Speaker 2: 41:55

Uh yeah, that's a, that's a foreign, that's one of the new forms out here right now. You know I now I got me and my little brother one. I just sold people. You can do it two times, it's that easy. Go to the bank. They're going to cut your check. Pick out your own car. I go into the dealership with my own check. I'm like, hey, I don't need you to run my credit. I ain't here to make no down payments. I want this car. I looked it up, y'all got the red seats, the sunroof. I need that right now. You know what I'm saying. Cut the check. I'm paying the bank back. You know what I'm saying. That's how it go.

Speaker 2: 42:29

But I'm really into more advanced things than that. You know what I'm like. Uh, what you do, man, like after you got the bag and things like that. You gotta look at the seven strings income as like a map to invest your money like you need all those streams. Like of course, earned income is one string but you need six other passive incomes that you know. I'm saying you should be having rental income. Like I say the the interest income you make off, uh, your insurance policy and certificate deposits. You know I'm saying you should have some type of um, what's the other one? Uh, royalty income.

Speaker 2: 43:13

You know I'm saying create products. You know I'm saying, uh, capital income. Right, we need to come, put our money together, put a capital up, and that's that's. That's do something. You know say so. The end game for me is unity with the finances. That's the end game is like look at Chinatown, you know I'm saying look at other nations and we build together. So you know, that's that's, that's, that's my end game. I should say you know saying like, oh, let's, let's get some land, build our own schools. You know I'm saying these schools is built off credit. You know saying how you think they got these big buildings. Folks ain't put up this money out their pocket. You know saying credit. You know saying now.

Speaker 1: 43:56

Now I want to, I want to go over this again. So, seven streams of income right, you said rental, rental property, right, yes, sir. You said royalty income like your own book, right, okay. And you said capital income bringing us all together, you know, bringing all our funds together, purchasing land, things like that. What are the other four?

Speaker 2: 44:26

Other four Hold on. You got to make me do some research. I just go out on top of here. Hold on. I'll break it down for sure, because that's what I know, just my roadmap of what I'm going to do. So you got royalty. We name right Intellectual property, capital income, profits from a business, dividend income.

Speaker 1: 44:57

Dividends would be a Wall Street trapper business Right.

Speaker 3: 45:01

Wait, hold on a Wall Street trapper business Okay.

Speaker 1: 45:04

Wait hold on. Let's run that down again. My bad, my bad, let's go. Let's do that again. Let's do it again. Sorry, run the list down, yeah sorry.

Speaker 2: 45:13

Okay. So we got earned income. That's from the tech working. You got the rental income. So, renting out something, a two-uro Airbnb, real estate right, you want rent royalty income? That's intellectual property. You like people make music, rap, your talents right, put those out there, make you some money. Capital gains you know what I'm saying? Selling assets like. You know what I'm saying. Putting our money together. Or you know what I'm saying together, buying something and selling it for hire that's a capital gain. You got profit income, basically what you make off of business. You run some type of company, some type of business. You know what I'm saying Income, you make off that. That's a profit. Then you've got interest income and that's you know. When you're dealing with certificate of deposit, you're dealing with life insurance policy, things like that. So that's just like your map, right there, wait hold on Of deposit.

Speaker 1: 46:21

Now hold on. You said seven, so we got rental income, royally income, earned income, capital gains, profit income, interest income, and that's it Is that. It Is that seven in royalty Hold on. That's one, two, three, four, five, six.

Speaker 2: 46:50

I think you forgot royalty income.

Speaker 1: 46:53

Yeah, I put that in there. Realty income.

Speaker 2: 46:56

Okay, we got earned dividend, you got dividend.

Speaker 1: 46:59

There we go.

Speaker 2: 47:00

Yeah, for then, Dividend from stocks investing stocks which you make profit as a dividend? Yes sir.

Speaker 1: 47:10

Okay, profit income, all right, real quick. My bad, this is for me only Really Profit income. What is that again?

Speaker 2: 47:24

What our profit income is. Yeah, what you make off of business. So like, uh, whatever business you can run, like you know you might have a, uh, a business selling book bags or something like that. You know, uh, uh, whatever you invest the profits you make as an income for you got you, got you.

Speaker 1: 47:44

So that man that was. That was super, super, super thorough. Is there anything else you think we should know? Uh, in regards to credit right now, man, credit is your best option.

Speaker 2: 47:56

I think everybody um should be diving into that Cause, just like Jay Z said in that song OJ story, how did the Jews take over credit? So we want to be on top as a nation of people. We got to dive into this credit in the banks, cause that's where the money at. They print the money every day. The national debt is credit.

Speaker 2: 48:23

What do you think about, um, um, high yield savings accounts? Um, as far as what? Like, uh, I think savings accounts is a scam. Like that's why I say never put your money in savings account. You better off putting it in life insurance, because uh, yeah, like, the interest rates is just so low, you know, and uh, you're making yourself liable for lawsuits and things like that as well. So you know, the best bet is put it in business, put your money into um life insurance policies and let it build. You know I'm saying in there and it's not, you can't be garnished from a life insurance policy at all. It's private. You know I'm saying as long as you have a certain amount and you can open up multiple accounts, so the more money you make, you can keep opening them up, open them up. You know saying more and more so y'all match for savings accounts at all, oh wow wow, okay.

Speaker 1: 49:17

so I mean this is something that you know, know I would like to go in depth on. There's so many angles we could take with this conversation. So now, how is your program structured? So I go to invest the hundred dollars and so how is it structured? Is it all visual? Does it come with an e-book? How does it work?

Speaker 2: 49:44

It's a combination of both e-book videos. I got videos two hours, three hours. You know what I'm saying. Then it's actually step by step processes. How it works is that it's a one, two, three steps.

Speaker 2: 49:59

So the first step we educate you on cleaning the credit. So consumer laws is taught to you, strategies on how to dispute negative items off your credit. What does it look like? How you get it up. Then the second step we show you trade lines. So we actually educate you on trade lines. What are? Second step we show you trade lines. So we actually educate you on trade lines. What are trade lines? Different type of trade lines, so you got to know the difference between primary trade lines and authorized user trade lines. You got to be educated.

Speaker 2: 50:27

And then the next step is the banks. You got to know how the banks work. So we only deal with no doc loans. So the list we even have a list of banks that we have a relationship with, most of them credit unions. You know what I'm saying. Like Navy Fair, everybody know. But we got other credit unions. That man, it's new because you got to understand like these banks come in. They thirsty for customers, so they're going to be lenient to you, more than certain other banks, was more strict about certain things. You know the newer banks is always the best, like Truist Now. Truist is a great bank you know to get some business credit with right now. So you know it's just educating yourself from there. I'm getting what you see, but it goes so deep and so further than that you know what I'm saying. It's like an ongoing thing that you can live off for the rest of your life.

Speaker 1: 51:21

So yeah, you get that three-step combo. Man, if y'all not paying attention, you're bugging. If you're watching basketball, which I don't know nothing about sports I know UFC, though, I know boxing and all that, but football and basketball I'm not into that. But anyway, if you're watching anything else but this, you're bugging because he's dropping jewels. So now, what did you say? Truist, truist, yep.

Speaker 2: 51:47

Truist, yep, truist. One of the good ones Navy Fiat. Everybody know that. One Another good one is what I use the Digital Federal Credit Union. So, digital Federal Credit Union, that's a good one. They're one of the new ones. They approve you real quick.

Speaker 2: 52:09

No doc loans. I mean you can literally Google in no doc loans and they give you a list of different banks. You just got to do your homework. You know what I'm saying. Call them up or go search their website and see what the requirements is and they gladly tell you like, yeah, we're going to do a hard pull, yeah, we require you to have pay stubs and things like that.

Speaker 2: 52:30

So even if you go to places like that that got pay stubs, you just got to know really like to finesse that like you know, I'm saying like, uh, how to bring your best pay stubs up and with their requirement like that. You know I'm saying so it's. It's a lot of different ways but I don't like I just deal with no doc loans because it's just when you know how to talk that talk and put it on that paper the right way and make them numbers line up, they're going to prove you. So you know, uh, no doc loans is the right way and make them numbers line up. They're going to prove you. No, doc, loans is the best way and we show you all that with the course no doc loans.

Speaker 1: 53:04

Okay, I'm going to get the course anyway. I'm going to just check this out though. All right, give your information. Can you put your information in a private?

Speaker 2: 53:18

chat right now. Yeah, which one? To put in there? My own website where people can you know? Oh yeah, well, the website we got right now is Conscious College. We can buy my course Conscious College dot org. Now. I put that in here. Now I'll put that in here, and I'm on all platforms Instagram, tiktok, facebook. I'm a faithful member.

Speaker 1: 53:52

Yes, sir, hold on, let's do this man. This is very informative. Hold on, let's do this man. This is very informative.

Speaker 2: 54:00

Very informative Is there anything you want to share with the people before we go? Hey, no matter what you do, man, just focus on your goals and purposes and you know you'll be all right. Put god first in this. Don't come in this thirsty. You know I'm saying if you're selling drugs, whatever you're doing, man, this, the credit, is the way out. You know, a lot of people don't believe in it, but a open up your mind, you know. Uh, be optimistic about the information and and give it a chance and you'll be surprised if you invest in yourself. That's the number one thing I want to say Believe in yourself, bet on yourself, invest in yourself. You know what I'm saying. Stop spending on investing in all these other cultures and people who ain't. You know what I'm saying returning the money back to our hoods and our situations we need. So you know, just invest in yourself, bet on yourself for once, take that leap of faith. You got that job. You got that extra couple hundred. Go ahead and invest in some credit.

Speaker 1: 55:07

Yes, sir, thank you for coming out this evening. We really appreciate you, brother. Hope to have you on again, man. This was very informative. You helped out a lot. Peace to everybody out there watching on the chat, check us out or streaming platforms. We are definitely an official podcast, if you don't know, and we are legally a business and YP, so peace to y'all. Thank you for helping us build this platform. See you next week. Peace.