the average millionaire is just smart and consistent let's get that out the way and we already proven we already proven we took we looked at some top fumbles y'all said Mike Tyson 50 Cent MC Hammer he fumbled like I think like 50 million Mike Tyson I think was like 300 million it might have been more than that somebody correct me if I'm wrong there's no amount of money that can save you from bad decisions so if you going from zero to financially stable what you realize is f most people just literally don't have self-awareness when it comes to money like you have no idea that you're overspending you have no idea that you you don't even you can't even fix something because you don't even think it's a problem I remember I used to work at the mall right I used work at king of pressure right and working at the mall is is one of the hardest ways to save money especially when you already got bad spending habits [ __ ] I used to get paid Friday and the bread will be going before I even got to before I even clocked in that Friday I would probably get paid Thursday night Friday morning technically like 2: a.m. am or something that bread will be G before I even clocked in bro I'm just being honest bro I mean I was like 17 you know what I'm saying high school and [ __ ] but that bread was gone didn't even exist it never made it to the weekend never made it to the weekend the thing with that is I didn't even think this was like you know what I'm saying I just was so deep into making purchases it was just like oh I want to buy this next I want to buy this next I want to buy this next I want to buy this next literally no plan when you start putting a little bit of money to side it could be $20 let's say that's all you can afford to say per check is $20 or $50 or $100 you have to do that first now every time I pay myself cuz I'm an employee technically under my own business do you homework on yeah [ __ ] get LC's or Corporation do your homework on that I pay myself anytime I pay myself the first thing I do is separate that money to that savings bro the first thing I do cuz cuz you start even ignoring that money a little bit bro and you have a little budget you do it by percentages you look at how much you getting paid you break it down percentages you kind of got like rails you got like rails like y'all know how I'm a good bowler so every time I bowl they don't they don't put well they don't they don't put the rails up when I bowl cuz they know I'm going just hit a strike so if the rails was there it'll prevent somebody like y'all from going to the gutter a budget is rails a budget tells you don't go that way don't spend this much and you're cooked that's a budget that's the bottom line of a so y'all haven't seen me bow so y haven't seen me bow okay so we're just not paying attention to the streams then um anyway the point being bro is the you know what's crazy if I would have looked at my money back then let's say the check was like $300 or $500 and I would have put like a budget calculation on that actually let me show y'all for some [ __ ] I know some of you [ __ ] still count on your fingers so what we're going to do is we're going to pull this up I know I know some of you [ __ ] still read with your fingers anybody say the last paycheck y'all had just say the number even if it's embarrassing even just somebody give me a number I'm going take the first number I see in the chat bro say 1,700 that's pretty good it's pretty good let's go 1,700 okay you got paid this is after taxes this is everything like this is like let's say you getting paid this Buy Weekly right going to say Buy weekly we're just going to go we're just going to make this up right boom now I don't know what you spent or how you spent it but this is going to be like a not so terrible guideline right now you got categories you got save right you got invest let me know if is this too small y'all can read that fun this is the fun category do not spend this at the strip club um that that u in the end is far as [ __ ] from F so we're going to go right there F is for friends together um what else do I say fun there's something else I do with my money it's a fourth category bro needs needs needs you're right needs I'm tripping needs now the first thing you would had to do no rent you I mean if you if you see a big like a very indepth Financial spreadsheet is going to separate all that thing and be very specific but let's just break it down to needs fun invest and save right boom let's just do it like that right type [ __ ] type [ __ ] go down that way bam right now for the guy that said 1700 I don't remember who you are how much do you pay a month in in in needs your needs is like kind of like that [ __ ] A lot of times is set in stone unless you move or change your living situation your needs this is for me my needs will be rent car insurance I'm thinking about like my internet um and and food [ __ ] like that like phone bill right a th000 a month and just rent okay I just I I only about rent okay the average phone bill check can we just say 100 can we just say $100 I'm I'mma make up everything else let's go 1100 let's rent your phone bill WiFi let's go let's go 75 okay let's go 75 actually 75 for the phone bill 75 phone bill 75 WiFi so we're at about 1150 right do you drive do you drive Mr 1700 that was Wheel 25 do you drive a car yes okay let's get that let's get that insurance Price buddy I appreciate you letting us really use this example your kns have to come first Chad but the guess what the second most important category is guess what the second most important one is as a human being y'all going to say save it's the fun it's the fun one why is it the fun because money money has a lot to do with emotion money has a lot to do with psychology if you've ever gambled if you have ever uh had money ever in your life you know n out of 10 the first thing you think of doing is pleasing or satisfying yourself emotionally oh I want them sneaks I want that new this game or uh I want to buy this man the first thing is like you you'll try to emotionally satisfy yourself so you have to put that in your budget because it's it's just impos it's unless you're like going negative every month and you can't afford to Have Fun N Out of 10 you have to like put it in there just so you can Channel like you have to get it out it's like anger it's like if you're angry then you need to start boxing or going to the gym or something like you just don't want to let that anger build up because then you're just going to do something crazy um it has to go somewhere so fun is really important the total insurance is around 700 but I get paid weekly oh so this is 1,700 weekly oh my fault money man you should have just said that you should have just said that buddy you should have just oh I my fault I was not familiar with your game buddy my bad oh [ __ ] holy [ __ ] holy [ __ ] my fault back my fault money bag yo okay so we're going to put you at I didn't know this was weekly I was going to do this whole calculation after but okay this is not average this is not average at all so I don't know if we want to use you but we're going to stick with it we're going to stick with it cuz this is not average this is actually way above you making almost 7,000 you making $7,000 a month after taxes this isn't average but let's just go with it let's just go with it what's what's all your needs a month then what's all your needs a month let me get like 3K 2500 something like that just let us know real quick you could just you noce number for sure and after that we going to apply the budget about all your needs even if you don't know then we can just make it up then cuz every other category got to got to work around your needs ballpark let's just ballark it it runs up like 2500 all right I stay with my folks that's smart for a time being okay now this is I like personally me I like doing this per check if that makes sense chat like I know like I like I like calculating this budget every check and the reason I like doing that is because let's say sometimes the taxes change or your hours change he might go from one month making 6,800 to 6,200 or 6500 or you know what I'm saying like so I do it per check and it lets me know what's an accurate number for that check now that I have this number though Watch How I do this watch How I do this I'mma take 2500 right and divide it by 6,800 and this is going to give me a percentage this is going to give me a percentage boom 36 going to round that up to seven right want to make it a percentage drag that decimal point twice so 36.7% a month on needs right this is a very important number that six looks horrible but I'm drawing with my mouse around 36.7% on needs right now what I can do is erase this 2500 actually no no no no no no no I'm tripping let's keep that there you know what this leaves it's about to be some big brain moments but just follow me here when to take 100% minus that needs category we're going to get like [Music] 63.3 I'm just I'm just roughing this off am I right or wrong 63.3 right okay I was right now this is for everything else this is for everything else right are we good now boom we got the needs out the way this is like all his bills car insurance all that yeah this is leftover for everything else now this is where you go back to your butt right and you say to yourself you this is personal Now what is my priorities what are my priorities right me I just had to change my budget a couple months ago because I was prioritizing I'm prioritizing Saving right now I'm prioritizing saving so of my highest categories is saving instead of literally investing for the most for like most of the last two years my highest category was investing now I know myself I'm I I pretty much trained myself not to be impulsive I'm not really an impulsive person if I don't go out a lot I'm not going to spend a lot if I don't like I'm not really an impulsive person not as much anymore right for me fun had to be a certain amount because I just know I like to I like nice things but I know I'm super Saving right now so I'm keeping fun I'm keeping fun low right now right I'm not having much fun I'm saving and the only spend I really do is when I'm traveling for these trips and [ __ ] like that now listen with that being said we got 63.3% left over for everything else now we're not going to break this evenly whatever we want to be a priority let's say let's say you have no emergency fund right and an emergency fund is emergency happens you got this a good amount of money in your savings to handle it or you lose your job and then you you got a good emergency savings to survive a couple months and [ __ ] like that that's an emergency savings you can handle emergency now you don't have one you're starting from scratch you've been making some bad choices with your money your life sucks right right they us just say 4 to6 months of pay you have to prioritize saving so what we're going to do is assuming every single one of your bill is taken care of in the needs every single one of your your uh car insurance food everything is taken care of under the 2500 I switch from ordering a lot which was I was ordering check maybe one to three times a day every day for like a year straight I mostly cook now I haven't cooked recently because I'm about to travel again so it's like whatever right so I mostly I started changing cooking just to put even more in this safe category so you will have to make adjustments based on whatever your priority is at the right time right so just from you talking to yourself if you got a comfortable savings you just went through that season you could update your fund budget drop the say like you could do whatever you want I'm just saying these need change your needs always must come first though they always got to be thought about now 63.3% if savings is my priority right let's say we make this like 30% are we filling 30 I'm going to go with 33.3 because that leaves me an even I can split it 15 by 15 boom now we can go 15 by 15 but personally if I know I'm locked in with saving for me the next thing importantly is going to be invested bro so I would I I personally I'm thinking 2010 you can go 15 for 15 whatever you do this has to add up for 30 you can go you can go eight and 22 we're just using like pretty pretty solid numbers though we not trying to make it freaky and [ __ ] fix that this [ __ ] looks horrible right boom looking good right there we looking good right now listen we already know this is 36.7% don't get lost in the numbers chat remember we took this out of 100 took our needs subtracted the needs from 100 we got this much percentage left now we split that up in our categories 13.3 for fun are y'all feeling that chat cuz guess what if you look at your fund budget right you you can adjust too you got to you got to reflect like all am I over spending what am I over spending on what was more than I predicted it would be this this [ __ ] is live like you don't you don't just make this up and just walk away from it you like you kind of like you kind of like peep game on it you kind of check daily like on your spending like all how much did I spend here blah blah blah I my listen if I showed you how I did my taxes last year I I found every single purchase for my business and added every single like that was a tedious thing to do but I every single one mint right mint is a good app mint mint will like keep track of all that [ __ ] for you you just got to put all your accounts on there now listen right boom we good right this is how we're going to do the math this is how we're going to do the math right I'm about to erase all this [ __ ] so we can calculate this [ __ ] all we did right here is he said he spends 2500 a month on needs we did the math 2500 divided about how much he makes a month just how much he makes a month because we looked at how much he gets paid weekly get it get it got it good all right next boom boom boom Going to rase all this [ __ ] how the [ __ ] I make my Eraser bigger bro like I don't know oh yeah size size Matters chat Size Matters um how the [ __ ] I make this [ __ ] bigger bro that [ __ ] barely work the top [ __ ] it I'm almost done bro I'm almost done at this point undo it's not the last thing I draw so if I undo it's not going to work boom see listen y'all got to do this because if you don't do this you you're not going to know you have a problem you're not going to know how out of pocket you your uh spending is like you might look at your fun budget right watch when we actually get these numbers I'm going to show you something want to do this very very fast it's how we do this that's how we do this this is monthly by the way this is monthly when take 6,800 and multiply that by every single one of these categories boom boom boom Point that's the decimal point in front of that that's how you that's how you go back and put a percentage into like some math [ __ ] multiply .10 right boom bada boom bada bang right right now we smack this in there this gu's making Big Boy money he gets to save $22,000 264 excuse me that too is like not on the line um point4 right bam right that's what we got when we did this math that's what we got next up we got 20% it's like 1360 1360 bam 10% I already know that's going to be like 680 boom this should be dollar for dollar his Bible his Quran His Holy Grail he should work wake up to this every day I'm going just put monthly over this now mind this is assuming he gets paid four paychecks in a month sometimes it could be five checks in a month who who knows you know what I'm saying so this is just a four paycheck month you know what I'm saying four paycheck month of a weekly paycheck 1700 blah blah blah this is what he his life should look like now if let's say you never did this you know you know what happens for most people when they see some [ __ ] like this oh [ __ ] so when I bought them Mel Mary jeans that was 950 I was way over my fund category that's why I'm barely saving that's why I'm barely saving why those percentages because like I said after your needs are taken care of you can change these percentages based on what your priorities and I like I said let's say his priority is he doesn't have a good savings account so his priority for the next six months is to save a lot of money um then then savings he bumps this up makes this the highest thing on there just so you know what I'm saying he could he can handle business the way he wants to so so when you look at this then you reflect like damn I'm I'm actually spending way too much money over here not enough over here I'm not even spending money investing monthly and I'm still overspending like what the [ __ ] is going on what the [ __ ] is going on what the [ __ ] is going on you so so you start panicking at first like damn my [ __ ] way out of order really Chad I'm in my first did something like this right I'm talking about like like years ago bro it took me no lie a couple of my job checks to get to like stabilize my life it's not like literally what you might realize is oh [ __ ] I literally have to like take care of a couple other things first whether it's credit cards whether it's uh uh whatever you're paying right and then say Oh [ __ ] like I got to I got to stabilize my life and then I can start living by this blueprint but for the most part keep it to this blueprint bro keep it to what your blueprint is you just might have you might I know some people might be in some type of holes like [ __ ] I got to pay off a couple of my cars first man or I gotta catch up on this and catch up on that but now with this with with this [ __ ] make you do is slow the [ __ ] down in a couple other areas where you like all right I'm not going to the mall today actually y'all can go without me I'm actually not going out to eat I'm not going out to eat you know what I'm saying um so yeah you start peeping game like damn I got to tighten up on other [ __ ] you feel me if we go back to um the beginning of what I was talking about let's get some advice per these categories any check so like I said he get paid four times okay so y want yall want to know how to put this into terms of each of his paychecks no no don't do that each of his paychecks he would just do this he either divide this number by four like he got two options he could put 1,700 into this or just divide like these numbers by four to me it's easy to divide by four but I already got this [ __ ] written right here so that's why I'm about to just put 1,700 that's all you got to do per check you just you just every time you get a new paycheck apply it to these numbers cuz like I said you could just divide by four but it's more likely that your paycheck will change then you'll get the same exact check every time like I don't I just don't believe that happens all the time so every time your paycheck changes boom you erase this part you put the new numbers in paycheck might have been uh 1,800 you know what I'm saying paycheck might have been 1,600 you know what I'm saying then you change it and update update your categories you feel me so that's all you got to do and that's how you adjust it per per each of your paychecks so you know exactly what to throwa away in your savings immediately do that first before you get I'm telling you before you get paid you got to kill your momentum like all right you hype as [ __ ] the kid you trying to go spend some money no throw that savings away throw that savings away quick you feel me duck it duck that all first and then next right next personally what I like to do or what I think y'all need to hear is for this investing category I'm telling you I can zoom in on these books those are some of the most well-known Finance books in America behind me Rich Dad Poor Dad all of that some of y'all never even heard of principles by Ray doio that's a multi-billionaire of the top investment firm in the world or or they at least were the top at one point in time Rich Dad Poor Dad intelligent like some real try hard ass Finance books behind me bro you read all those right you don't have to I'll give you what's important some of the best [ __ ] I've heard with investing bro invest in what you use you got a PS5 go get some Sony stock you got an iPhone get some Apple stock one of the stories that was told in a book called um this was uh I remember the exact book it this book one up on Wall Street it's a very hard read I would not start with reading that I just wanted to show youall cuz that's the book that I heard it in he said one of his best investments was because his wife came home in these jeans it was like jeans or like a pocketbook she had right and when his his wife had the jeans on she was so hyped to buy him or something like that and him being an investment guy he went to see if they had a stock he invested in the stock of that jeans company and they went crazy they went crazy so it really just gave that example of like let's say you know Sony about to drop a new game or Sony about to have a new uh event that will impact their stock so you you invest in PlayStation knowing what their doing if you invest in companies that you use and that you know it's much easier to be predicting what they'll do or how good or bad they are and how good or bad that they should do you see what I'm saying a lot of times y'all like to look up top five places top five stocks to invest into uh gold and silver and all these things invest in [ __ ] that you literally use because guess what anything and it's the same thing for music too chat the underground always controls the mainstream eventually so a lot of [ __ ] be cooking in the underground first and then it becomes overhyped and and mainstream and [ __ ] like that you feel me are the ads running or no are the ads running or no no bro for that [ __ ] that said ad time you out bro like chill don't say ads at the wrong time because I'll be pausing so listen the the underground always controls the mainstream so a lot of times Underground guess who gets the underground [ __ ] first the people the people get the the the [ __ ] that have friends and family that are interested in this new product or some [ __ ] then mind you Tik Tok be making the block hop so you have so say you have more leftover like from like fund or Investments you shouldn't have leftover you should your goal should be to spend dollar for dollar everything the only thing that could give you leftover is fun you should dollar for dooll try to get rid of everything for each category and let's say you have left over just put it into what's most important and this for this breakdown it was savings if you can't invest what to do what do you replace it with I'm only 14 so I'm trying to understand um you could have one thing you could have one savings account and then also put money in there for invest for investing just put the put the extra money into saving I guess unless you want to have more fun with it but if you can't invest you literally can't then I get the option you got to throw that money somewhere I say save it at the same time but that's up to you you know what I'm saying right invest in the buy bu buy [ __ ] that's important buy [ __ ] you know do what you do what you need to do but like I said same thing with music something to be underground and then next you know it's it's a mainstream wave Nirvana you ever heard of the van Nirvana s for sure I know like all that [ __ ] bro they they changed fashion they literally changed fashion by just throwing [ __ ] on next thing know vogs trying to keep up with with with with the [ __ ] I think was called gringe gr was the what was the fashion thing that they started bro Grange grunge grunge grunge grung grunge grunge I'm I knew I was [ __ ] it up but I knew I was close grunge a whole fashion Tren that they started just by being a random band just doing [ __ ] with clothes and then when it went from Underground to mainstream now the mainstream [ __ ] had to catch up now voges trying to figure out what's the hottest fashion trends cuz they're going to the streets of the people and trying to study that new thing um same thing with hip-hop everything bro same same thing bro same thing so at the end of the day you will get the best [ __ ] first on the People to People word to mouth type [ __ ] like I said that's the best advice for investing is invest in [ __ ] you know invest in [ __ ] you use invest in [ __ ] that you personally hear about don't just go to Google cuz anybody can do that we all however many people of us is in here can Google and find the same link and then go into the same company you're not going to win big or do anything big by just like being late to the [ __ ] party he said grud I know I was close dog I knew I was close Grinch oh God also invest in your work exactly exactly bro so Ty you investing in YouTube YouTube is YouTube's not a stock bro not that I know does YouTube have a stock Chad it would be Google like YouTube doesn't have no stock bro yeah Google and yes I have Google stock or alpab bet excuse me no Google has a Google has a stock right I know I'm not tripping I know alphabet got is like the the top company but Google has a stock right yeah is it alphabet is Google all right same [ __ ] bro same [ __ ] with skincare being with skincare being fun or need definitely fun bro I'm gonna be honest a lot of [ __ ] that you think you need you don't need bro now mind you I know y'all see all these uh soft black man error and all this other [ __ ] I'm a little old school bro I'm a little old school bro I don't think nothing wrong with Manny petties and all that I'm not that's just like kind of like the basic starter pack of selfcare to me nowadays like it's just you know what I'm saying you get your get your Manny Petty and [ __ ] like that right I love old school bro I roll my sleeves up like I just drink water and work out that's the best skin care I got you know what I'm saying sweat is very good for your skin and good for your body in general um and drinking a lot of water everything you eat that's toxic will come out of your pores that will come out of your skin anything that cannot that does not process in your your you know what I'm saying throughout your digestive system and go to you know the liver and [ __ ] like that it comes out of your skin and when you sweat you sweat it out so if you eating all this [ __ ] and you sweat it out and your skin all [ __ ] up that's why your skin look like that cuz you eating [ __ ] and it comes out of your skin T ain't paying you no more I'm about to get actually we renew that sponsorship have you ever fasted before I fast all the time I haven't fasted much recently though because I'm on some gaining weight [ __ ] right now the skin is the biggest organ exactly and the skin is the first level of our immune system that's why when you get a cut they put peroxide in it because that's the bacteria the first way they try to get inside of your body is Through Your Skin um how do you calculate the percentage for needs you you look at your real needs look at your real needs liking ride I appreciate the gift this sub man yeah chat if y'all got any questions then I I can give you a second to answer them joints so I know lot a lot of y'all might have questions question I'm going tell you what I knew though precontent right precontent tell you what type of thinker I was I knew like now we're just going to have some hard truths some cold hard truths I'm going tell you cold hard truth number one for me I would rather be financially stable than like my job I knew that about myself I would rather be financially stable than like my job I never understood why people would work at um like let's say you're 18 plus like you're at this point like a position to be an an adult and start making some like decent moves for your life I never understood personally why people would go get a low paying job and just keep that low paying job keyw was keep it's okay to be broke it's not okay to stay broke it's a difference it's okay to be broke it's not okay to stay broke personally I'm only speaking for myself you know what I'm saying money doesn't make me all that other [ __ ] personally I had goals though I had goals I know I wanted to support my family I know I wanted to help my family this [ __ ] was all written this [ __ ] was all written by yours truly and God allowed it so here we are but personally I knew that there are a lot of stable careers out here that make are pretty easy to access and make good money and by good money let's just say we're going to put that at anything above $45,000 a year depending on where you live why do I I'm not going to say this is good money to say oh yeah damn I make more than 45 I'm good I know people that make like 80 or 90,000 and then after tax it smacks them so hard they might as well just be working at Mickey D's if that's what what they say it feels like but guess what another good ass financial literacy lesson the book this was in was um secrets of the millionaire mind I believe what it's talk what it really also show me at every level of money there's a new purchase so if you making $500 a month you could spend that on next time make it 20 but thank you for I know you barely finish talking about trading options all right I get to that when it comes to like let's take let's take a car for example there's a car that's $5,000 might be hard to find but you can use face Facebook Marketplace a friend of a family or you can get a car for $5,000 right not as easy as it used to be but you can get a car for $5,000 you can get a car for $50,000 you can get a car for $500,000 and you can get a car for5 million you can get shoes for $5 I think you can get some shoes for $5 three Thrift or something good whatever you find them you can get some shoes probably for $5 I'm I'm going think you can get shoes for $50 you get shoes for $500 you can get shoes for $5,000 so one of the biggest advices in that book was there's always a level there's always something to buy at every level of money at every level there's something to buy so the thing about it is as most people's income increases so does the level of the things they buy now you can see the rewards of your money you can have fun with it you can enjoy your money you can treat yourself but the thing is that people always gravitate towards whatever money they're used to mentally there's a study that people who win the lottery always go back to their original salary most people that hit the lottery most people that hit the lottery always make whatever salary they had before because they're used to living off that much money so that's the money they go back to living off of because it's just like a they have the habits of making that money managing that much money making that much money so they just always find a way to get back to it what book is it uh secrets of the millionaire mind it's not going to be a book you're going to hear many people recommend I've read so many of the mainstream financial literacy books I started to find the ones that people don't talk about and that one that I mentioned which is not behind me it's in my living room um was the best of the best that I've read on any financial literacy book it's not even mainstream like people I don't hear people talk about it they always say Rich Dad Poor Dad they say this one this they don't never say secet the millionaire mind bro they can say Millionaire Next Door Millionaire Next Door was cool I think in that one anybody read Millionaire Next Door was that the book that talked about u u PWS U AWS or some [ __ ] like that it was like under accumulators of wealth prodigious accumul like it was it like separated like that I think that was uh that might have been that book I don't know I I could be writing wrong I haven't read that book in years Think and Grow Rich right that's another mainstream one bro I like finding the gems it be like damn Tony Robbins you know I love Tony Robbins man I haven't read that book though um once I started to read bro I ain't going to lie to you I read like 13 financial literacy books and I started to see they did get repetitive so it's really like some common lessons in them that are really impactful and I told you a lot of them invest in what you use and what you know and what you hear word to mouth on the street cuz as we know mainstream controls the I mean excuse me underground controls the mainstream when the mainstream catches up so you might find a company that nobody really heard about yet they go public and you stay with them because you you seeing them you seeing the moves that they making you hearing people talk about them more and more and I'm telling you it might take that one Financial advice YouTuber it might take uh Congress to pass a bill that benefit benefits them timing is everything with life I'm trying to tell you bro this is where you start to find history like kind of interesting you start finding out like how much [ __ ] happened at the same exact time and how much [ __ ] was going on at the same time it's like interesting you might find history really important like I don't know [ __ ] just be weird when you look at history and you start getting like [ __ ] to start making sense and lineing up timing is literally everything bro timing is everything right place right time right person who could make the right decision bam life has changed forever off topic are you always in control you know what I mean like level three type [ __ ] oh always always always always there's no going back what Dick Gregory says when the universe put the glasses on you there's no taking them off there a couple rules you can't put them on somebody else you can't see things as as they are supposed to be you see things as they are and I forget the third one can that I got all banks closed for some dumb [ __ ] you think I can get them back um stream want to accept me he talking about mainstream Banks um when you say some dumb [ __ ] I got a 99% chance I know what you're talking about cuz I grew up around people who did [ __ ] like that um I forgot I don't know that [ __ ] like last a couple years I think know somebody know he had to wait like five years or something like that um if if you literally cannot get any any bank account like a credit anything like that then the next thing you got to do is uh you probably literally have to go pen and paper buddy you probably literally got to go pin the paper so it's like five to seven years I knew I wasn't tripping you got to rock off chime or cash app okay people got Solutions people actually got Solutions man money under the mattress what can I start with to begin at 18 okay that's what I was about to start I was about to start let y'all know before content where was my head at when I was reading them books and what was I thinking okay so like I said I don't understand why people would rather work a job that keeps them broke rather than trying to do something to position themselves to get some money so personally what did I how did I think myself through it I looked at a couple things I looked at necessity like there are careers that will never be gone let's see if y'all can guess the categories of those careers just think about a couple categories chat think about a couple the first thing you should say is medical bro first thing you say is Medical you then the trades you know you got the medical field the trades um you know upkeep like people people's like beauty stuff like that people always going to want haircuts they always going to want to look good you know this is why keep in mind chat this is why I say timing is everything no one person's success Stops Another persons Gucci didn't stop Louis Vuitton from becoming a brand Prada didn't stop far from becoming a brand and then Michael Mary is probably like one of the most recent designers right they didn't stop him from becoming a brand cardi didn't stop Uzi from becoming an artist Uzi didn't stop trippy red you know Michael Jackson didn't stop Prince um Tupac didn't stop Boogie like there's literally when you do what you do in anything in life there is space trust that there's space um at that point sometimes in certain industries right like I know people that drive trucks when it's when the block get hot when everybody start doing the same thing it'll [ __ ] your money up because y'all might not know much about Trucking but uh like let's like simplify this there's the job which is like deliver this to this place and then they got people that you know do the calling right and then let people know what the jobs are I think it's like the dispatch stuff you got the drivers that pick it up and get the jobs and stuff like that right when so many people went to go do that [ __ ] they start doing deliveries for like Bottom Dollar like like way less money than they would have done them for before and because so many people are new they're taking the jobs for that little bit of money so like the truckers can't really strike and say pay us what we worth you know what I'm saying so when [ __ ] like that happens it's like damn but point being like a lot of situations don't sit here and be like man it's too late to start my clothing brand it's too late to start rapping it's too late to start doing this and YouTube and this it's not actually nobody stops anybody from growing really nobody stops anybody from growing just because you had Michael Jackson doesn't mean Prince wasn't going to sell records just because you had you know Tac does mean big ones going to sell record like it just you can compare this to anything Playbook cardi don't stop Uzi from selling like it just you know just do you what I was going to go to though if we talking practicality on some simple [ __ ] my direct ction I I chose the medical field but what I also knew if I didn't go to school if I if I wasn't going to go to school for free I was going to to the for me it was a trade oh for sure it was a trade you know what I'm saying my pop drives trucks and literally it took him like I think he said either a year or 18 months maybe even nine months I don't know somewhere between nine months to 18 months to get his qualifications and CD and all that and at certain companies he worked for for he was making over six figures and there are people who went to school for 4 years got all types of loans um let's not even talk about four years being invested and have never made that a year so you kind of see a lack of a correlation between uh salary and and like requirements this I'm I'm only having this conversation if your goal is to get to the chicken if your goal is to save the puppies save the puppies however if you got a lot of money you can save a lot of puppies so let's just get into that point being bro and also if you make a lot of money bro there are a lot of donors and sponsors that that help nonprofits there are a lot of donors and sponsors that help nonprofits and that keep a lot of these companies and places alive and pay their salaries and pay for their events and so they literally cater to patrons and [ __ ] like that so you can be you can be on either side of the spectrum good people help out people good people help each other you know what I'm saying so if you're on the I want to get the chicken side right the point is there are a lot of things people don't know that they just can simply go to or or get into that will make the money I knew a homie who hated his job he's miserable one of the jobs he had and he really was struggling with his money and he went to become an electrician when he started doing his research he um found a state program that paid for that like paid for his electrician schooling so he became one for free and then this I think the school he went to they already had jobs lined up for him when he was going to be out of electrician school now you might be listening in the chat bro I don't want to drive buses I don't want to do plumbing I don't want to carpet do carpentry I don't want to do the electricity stuff I don't want to be broke like I I never understood listen Different Strokes with different folks bro I literally never understood why I would literally do anything but not be broke I don't give a [ __ ] if I had to be sparking some plugs for two years straight like people don't even realize like it don't take long like like you can hate something temporarily I hate being broke like is anybody else feel that way now you might have been making your own excuses you literally might have been making your own excuses we're talking practically we're not talking about the guy who mind you when I was in um Miami I had to give this [ __ ] some advice bro and and not even some advice I had to give him I had to give him his respect I went to [ __ ] five guyss as y'all seen in the Vlog I went to go get something to eat of Five Guys we just didn't vlog cuz we left the camera in the car bro I went in the Five Guys the [ __ ] was on his break editing an album bro I don't know how many albums he dropped I don't remember he told me though he had dropped a couple albums some music and all that I was like I couldn't I could not say something to him I was like yo man I really respect what you're doing bro cuz I literally remember I was working at H&M making like $13 an hour right and I used to I tell y this all the time I used to hide my air airod in behind my Afro and I'll be listening the podcast that would teach you how to edit teach you how to make thumbnails titles and all that on the [ __ ] clock so it's not a matter of okay bro so once I get that career in that job like am I giving up on my dreams am I giving up on my go you're not you're just not being broke you're just not being broke and I think there's something about momentum that's really good for like let's say you get that job get that career a part of you once you start trusting the process you know it's not forever so you just kind of do it and feel good about doing it because you know you need to do it like all right I'm going just get this job and I'm going do hold this journey for two years in the meantime of that two years I'm going to be saving but I'm also be uploading this I'm be uh recording that it's like something something about us as human beings like once we have like a kind of like a plan like a structure of a plan and we started doing that plan out everything it just feels better it's it's when you have no plan and you feel lost and you feel stuck that just kills you mentally that's the [ __ ] that be [ __ ] with you mentally I feel the same way about school but these the dudes I got to pay for the [ __ ] I want these the dudes I got to pay for the [ __ ] I want exactly bro I'mma tell y'all something chat and and again another cold hearted truth the first one was like I don't know why people rather be broke than blah blah blah another thing last time I gave Financial advice I said you got to learn you cannot listen to everybody even your parents if you don't want to have what they have you can't listen to them Grandma Mom Aunt Uncle cousin even if you respect them and love them dearly you cannot take advice from a person who you do not want to have what they have if I don't want to have the relationship that that person has had I'm not taking their advice if I I don't want to have the [ __ ] uh money or financial situations they have I'm not taking their financial advice it doesn't matter what they tell me cuz they can only tell me what not to do I don't give marriage advice and anytime I do give marriage advice what do I tell yall I spoke to x y and z couple that's been married for this many years I give you advice on results I have don't I don't talk about [ __ ] I don't have bro because you can't even like it's it's not just a credibility thing but you have to be honest with yourself like