Okay, I'm live. Okay, I feel like I finally got it to work. Okay. All right. So exciting. So exciting to be live here um on YouTube. Um obviously this is really important. So you know when I go live the h the housing market is about to transform. So I have been just getting so many calls, so much everything going on that I am like, "Oh my gosh, this is crazy. what's going on with the housing market. And most people have just no idea that this is about to happen. So, I'm going to go live. We're going to get right into it. I'm going to talk about like why the housing market is about to transform, why the housing market is like paralyzed, why people just don't know what they should be doing versus what they shouldn't be doing. There's so much confusing with Trump being the president, the tariffs, this immigration stuff. There's a lot of distractions. So, let's talk about the housing market about to transform because this is really big. Um, most millionaires have been created so through real estate. I know people are very afraid of real estate, but that is how I became a multi-millionaire. I was able to make six figures working a job, but it wasn't until I really got into real estate that I ever saw seven figures. Additionally, it gives passive income. I'm able to sell properties, get hundreds of thousands of dollars, have rental properties with income coming in every single month, in some cases every day with the short-term rentals. So, there's a lot of why I want the real estate market to do well and why I watch it. Even if it's crashing, I'm okay with that because then that's what that's the time when we buy. That creates an opportunity. But there's some major things that we really have to talk about um that's so so so important for 2025. Okay? U because there's a lot of distractions and it's it's meant to confuse you. Okay? It is. And I'm not a conspiracy theorist. I'm telling you unequivocally now that I have tons of millionaire friends, billionaire friends, these are distractions for the general public. So in August of 2024, there was a major change to real estate. Okay? So let's talk about that for just a second because I need you to understand all of what's happened. So the National Association of Realtors was sued. Okay? And I'm telling this as a licensed real estate broker in the state of Florida. I've been licensed in Virginia. I've been licensed in Texas. I was licensed in Georgia. So I've been licensed in real estate since 2006. So, I have worked on both sides of the real estates, you know, mostly as an investor, though. That's where I made all of my money, which is where I tell you guys, yes, you can make money as a real estate agent. Yes, you can make money as a real estate broker. But owning real estate, being able to flip houses, being able to have rental properties, that's going to be wealth. Okay? Owning commercial real estate, hotels, apartment buildings, that's real wealth. You know what I mean? That's when you really get to that next level. And that's what I want for all of you watching. So the National Association of Realators was sued in a clash act action suit and in August of 2024 the ruling came into effect where now when you are buying a home just a residential home that situation has changed. Before both commissions for both the buyer's agent and the seller's agent and again you're the buyer in this situation. Your buyer broker's commission was paid by the seller. Buyers wanted to sue because they felt like that was very unfair. that meant the the commission was already built into the price. Okay, which is true. It was already built into the price. Um but at the same time, your representation almost like your lawyer was paid for by the seller. And so many people did not see that as a benefit. They were like, "These real estate agents suck. They are just getting a commission. They didn't really do anything. They made me pay more for my property because I had to pay their commission." And people just did not see it as a benefit. So that went away. Now buyers have the option to not pay the buyer's broker. They can actually not have an agent really easily. But most cases, the seller is represented by a real estate agent, by a broker. That's how the house got listed on Zillow and Red Fin and all of those things. They called the real estate agent, a broker. They came to their house, they signed them up. Well, now that's not a thing. Okay? You still have the seller's agent, but now the buyer's agent who comes, you know, shows you around, takes you in their car, and shows you the houses. that person's commission is zero when you guys start. And so when you buy the house, then they have to negotiate, will the seller pay your commission or are you the buyer going to pay for your buyer's agent, the your own representation? Basically, like pay for your own lawyer. Well, real estate agents in general have been pushing back on that. Okay? And again, I'm telling you this as a licensed real estate broker, but that's not my primary source of income. So, I really was never that vested in commissions. I really just was like, whatever. Um, all the real estate business I get is all from referrals, okay? Just anybody, my students or people that I know, my family and different things like that. Nobody just off the street. I'm the real estate agent. So, I never really care that much, but you should care. Okay? You you should care because mortgage interest rates have not really come down. Housing prices have not really come down. What we have been seeing more of is more people listing their homes for sale. So, we're getting more inventory. you're getting more choices. And at one point in 2021 and 2022, it was really, really bad. It was a sellers market. There was less than six months of inventory across the nation in almost every single real estate market. There was just not that many houses to buy. So when buyers wanted to buy a house in 2021 and 2022, they had to compete with other buyers. And in many cases, they were just competing on who would pay the most for the house, right? That's how they would win the house. Win the house. I won by saying I'll pay the most, which is again crazy as an investor. That's just not the the ballpark that we play in. We do not want to pay the most for a house. We want to pay the least amount of money for a house and make the most money. But again, this is just a retail market where just normal buyers and sellers play around in. So now that we have this class action suit where the effect came in in August of 2024, now buyers don't have that representation. Many buyers have said, "I'm going to go out on my own and buy houses." And again, chat with me. This is live. I want to hear your opinion. What do you think about that? Again, I I'm a little bit biased because I'm a licensed real estate broker and I've been a real a licensed agent since 2006. So, but I got my wealth through real estate investing. So, I'm not really, it's hard to say this, but I'm not that big of a fan of real estate agents because most of them get in the business and get right out. They do. It has so much turnover when it comes to real estate agents. People get their license and then a year, two years later, they don't even renew their license. So, most times the general public is dealing with a real estate agent that hasn't been a real estate agent very long and has no real um uh uh uh commitment to real being a real estate agent. So, they don't really know the business. They're just trying to sell that house, get that commission, and move on. And so, I didn't really I don't love real estate agents as a business, even though I'm telling you I am one. This why y'all love me. I'm just going to tell you the truth. Um, but again, I've been licensed since 2006. And I also tell you that I make most of my money owning real estate, not getting commissions. There's real estate makes money. You just have real estate and two years later it's worth more than what you pay for it. That's why I like real estate and that's why I think you guys should have real estate. Not that you should be a real estate agent. Okay. So, now that we're talking about that and we're all caught up, we have a situation where, like I said, housing prices are not coming down. The average, the median, I looked this up, the median sales price in the US from March of 2025, okay, this year, the last quarter that's available, March of 2025 was $431,78. Okay, that is the median sales price. So again, houses now, the average house basically costs $431,000 and the average interest rate is right under 7% right now. Like 6.875, 6.75. That's where if you have good credit, where most mortgage rates are. Well, in 2020, the average interest rate was 3%. Think about that for a second. 3% 3.5% versus seven. So basically since 2020 to where we are now, mortgage payments have gone up 100%. Okay, 100%. And that is because of this whole transition in real estate, what people, you know, not not wanting to pay real estate commissions, home prices just going up, not having that much supply because again, this is just supply and demand. All right? So, when we talk about um 2020 and 2021 and 2022 when when when people could barely afford a home and and a house came for sale and they would have those auctions and bidding wars where where buyers would bid, I'll give you 210, I'll give you 220, I'll give you 240, I'll give you 250. When they were just going up and up, that was a sellers market because there wasn't that much supply. So, whenever there is not enough supply and the demand is really high, then the price is really high. This is simple economics. Okay? I have a master's degree in economic development from Penn State. But you do not need any of that to understand this very simple concept. Supply down, not that much supply, demand high, price high. Okay, so now we're finally starting to see some more people selling their homes because people are just holding on as they should. Why? Not only did they buy a house at a great price, you know, or or paid a lot for it, the interest rate that they have on it is really low. Most people, there's 80% of the mortgages out there right now that have interest rates below 6%. Okay? 80% of all of the mortgages that people are paying right now, they pay an interest rate less than 6%. But the interest rates now, I've already told you, are nearly 7%. So, you have this increase in pricing. Okay? You have mortgage rates that are not coming down. And now you have all of this uncertainty with this politics and tariffs and building. So now we actually have another situation where you can actually buy a new construction home for less than a home that is on the market. And we have not seen that in 25 years. Okay? And some of the reasons why that exists is because you can still get the supplies to build homes. But as those supplies start to become less um available, you know, not a big supply and the demand is still high, well then, like I said, the price is going to go high. So, we have this crazy situation going on right now that is making it harder for people to grow their own personal wealth because the stock market's going up and down. So, people are seeing their 401ks do all this crazy stuff. Then I'm saying, okay, well, that's one way to make money, of course, is in the stock market. Another thing I'm always going to tell you is be investing in yourself, your own business, whatever your business is, so that you can have another source of income. That is the biggest and best opportunity for most people. Okay? You you betting on yourself essentially. Um you can have your own business and you can have rental properties. You can have you can flip houses that financing those loans, they still exist. And more importantly, you can get those loans in your business's name. Okay, so I already got a question in there. Somebody private chatted me. You want to come to the Grow Your Wealth boot camp. That's this Saturday, May 10th, 2025. It's all day. I'll be teaching on getting business credit, getting business funding, the lenders, you know, stuff we put on the application, what codes we use for our business so that we can get even more funding, and then how to buy assets with other people's money so that you can keep your own savings. This is not about you risking your own savings. This is not about you risking your credit. So, come to the GrowYoualthBoot camp. That's growyoub bootcamp.com and use the code final50 because we're almost sold out. Like I said, it's this Saturday. It's all day. I want you to come and you can save 50% on the tickets. It's amazing. Okay, we're not going to just be talking about real estate. We're going to be talking about how you can create your own businesses if you already have a business. how to start getting hundreds of thousands of dollars for funding so that you can then buy assets, whether it be inventory for your business, whether it be marketing for your business or actual real estate, okay, that you can rent out. I have a piece of commercial real estate that I actually worked out of as a real estate broker. Well, guess what? When um I was trying to cut down on expenses, guess what? I leased that out to a salon. So, now I just basically own a salon. That's the power of real estate. And so now that money just comes back to me every single month. And then when I get go to sell it, I'll make probably at least $300,000 off of that piece of commercial um real estate that I have. So that's just one example of the things that you could be doing um and borrowing money in your business's name without affecting your own personal credit. I guess unless you don't pay it at all and you just default and commit, you know, and file for bankruptcy. Well, then yeah, you might have to pay some of these debts back. Actually, if you file bankruptcy, then you don't have to pay. But my point is that you can borrow money in your business's name and actually use that money to grow your wealth by investing in your own business, running ads for your business, getting commercials for your business, buying real estate for your business, buying rental properties. You can buy all of this in your business's name. Okay? And you can even use it as a savings account. Like I have tons of students that will get a business line of credit and just keep it and they just use that as capital for their business that they just have. If they need it, they can write a check off of it. They only have to pay on what they borrow. So if you get a $100,000 line of credit for your business and you just use $10,000 of it, you only make payments on the $10,000 and you still have $90,000 available to you. So this is what you should be doing because the the housing market is about to offer you a lot of opportunities. Okay, so with all of the tariffs and the uncertainty and this that and the other, what do we know is going to happen? A recession. So, we already had one quarter where GDP went down. A recession is when there are two consecutive quarters of gross domestic product declining. Okay? So, we had one quarter, all we would need is two and we're in a recession. And what does that lead to? People getting laid off, people losing their jobs, and that leads to foreclosures. And this is a great opportunity for you to start picking up real estate for pennies on the dollar. And I'm going to tell you that you can do this without using your own money. You can actually create a business or if you have a business, use that business and build business credit and borrow funds in your business's name literally and then wait for opportunities to come. You are patient. You know how you'll know how to look at real estate. You'll know how to run ads. You know how to do marketing. You will know how to turn that $1 into four. Okay? And that is how you get wealthy. And more importantly with real estate, it actually goes up in value over time. So even if it comes and there's a crash, again, a crash takes five years for you to actually pay these like rock bottom prices. So that's not even what you're necessarily looking for. Yes, 2008 happened and there were people that picked up properties for pennies on the dollars, but that exists today. You don't need a market crash. You actually only need a few people that are losing their home and you pick up that those homes for pennies on the dollar. So I don't need it to be a market crash. You don't need to be a market crash. In fact, you don't really want that. But if there's a sector, a sector of the economy where a lot of people lose their jobs, let's just use Enron for example, well then I can just pick up those properties in those neighborhoods for pennies on the dollars. And now I picked up property with hundreds of thousands of dollars worth of equity in them because in many cases you can buy the home for whatever they are past due on the mortgage. Let me give you a quick example. So somebody's three months past due on their mortgage, right? They get a notice of default. And when I I can market to these people, I send them a letter. Hey, you're behind on your mortgage payment. I can buy your home for cash. They call me up. I look at the property, look at how much it's worth, but more importantly, how much do they owe on the property? Like, what's the balance on that mortgage? What's the payment on that mortgage? What's the interest rate on that mortgage? In most cases, they have an interest rate of like three and a half%. Um, it's a FHA loan. They've paid on it for a year or two, so they don't have a ton of equity, but maybe they have $80,000 worth of equity in the house, maybe $50,000. But the issue for them is they're getting foreclosed on. So, they only have two months, three weeks, sometimes a month to come up with $6,000, $8,000, you know, to save the house. Well, I can buy that house from them for that amount. Okay? And that's one of the things I will teach you at the Grow Your Wealth Boot Camp. Um, it's a system that I've been using for years. Something a old man taught me in 2009 that got me rich. Okay? Because once you have those properties under contract, you can wholesale them, you can fix and flip them, you can keep them as rental properties, you can make them into Airbnbs. It's now an asset for you. And more importantly, you don't have to use your personal credit or your money. You can actually take a line of credit, I just told you, a business line of credit, and use that to catch up their mortgage payment. You can actually use your business line of credit to market to them, to send them letters, people that are behind on their mortgage payments. Just using that as an example, but you can target bankruptcies, you can target divorce, you can target probate, you can target older people that got moved into convolescent homes. Like there's just so many different um niches that we target and we end up with really great real estate. And again, you don't need 50 properties to be a millionaire. You know, there's people that have five, six properties and they became a millionaire. But the key is you have to start thinking like an investor. Okay. So when I'm telling you that the market is transforming that is because of the National Association of Realtors. That is because people don't want to pay real estate commissions. I get that. You shouldn't want to. That's not really that valuable in most situations. And some situations, you get a great real estate agent that really has done lots of stuff with their with properties and they own real estate and they know what they're doing and they negotiate you warranties and the seller concessions and all of this stuff, that's valuable for you. But somebody that just got into the business a year or two ago, has another job, don't really know real estate, that's not that valuable to you. So that's why the class action suit happened against the National Association of Realtors because there were so many real estate agents just collecting a commission and buyers ended up paying a higher amount for homes and not really getting anything in return. So that's fine. I get it. It should go away. So now let's talk about what you do in the future. Well, one, who cares about real estate agents? If you're looking to buy houses and become wealthy, you don't need real estate agents and you don't really want to deal with them. In many cases, you want to talk directly to the seller. I And I'm telling you this like as a licensed agent, literally why I would have to put my license on an active status when I was flipping houses and doing stuff because I want the piece of property and I don't want to have my loyalty to a real estate broker. I want to own this piece of property. I want to help them at their behind on their mortgage payment. I want to get them into something that they can afford. And that's how I became a real estate investor. And that's where millions of dollars came in because now I own the real estate instead of driving around for a commission. So as you as the public, you should be very happy that the real estate market is transforming. But now you have to prepare for a different market and a different opportunity. And the different opportunity that is available to you is for you to be an investor. Whether you keep the properties or not, you can make money off of them. You do not have to own the real estate or keep the real estate to make money. Like I said, when I was broke, bankrupt, and living in my parents' basement, I would find people that were behind on their mortgage payments, get them under contract, and then flip those contracts to an investor who would pay me a fee, usually $5,000, okay? And then they would fix and flip the house and do whatever to it. that as I got my money and my credit up, then I started fixing flipping the houses myself because the average uh profit on a fix and flip is $65,000. So, I'm not going to just wholesale the house for $5,000 when I could keep it and do the renovation myself and make $65,000. Well, then let's take it a next step further and then instead of doing fix and flips all the time, I just started keeping them and had a whole portfolio of rental properties. And that's where the wealth is, okay? But especially when you combine that with business credit. So if you actually make a business, get an EIN, build business credit, now you have lots of funds to do all of this. You have funds to send letters, you have s to put out, funds to send out signs, funds to have people bird dogging for you, funds to catch up mortgage payments, funds to do the renovations and those rehabs. Now you have the funds to do all of that without having to use your own personal credit cards and your own personal savings. So when you combine business credit in a business with real estate, you can easily get rich. Okay? And this transformation in the market in the housing market is the opportunity you have been waiting for. Okay? You have been waiting for this. Okay? Because people think that, oh man, the market's going to crash. Am I going to lose my job? Well, don't wait till you lose your job. Start now. Start building business credit now. start creating a business for yourself and having this se second source of income ready and on deck. So, if you lose your job, god forbid, um you know, when the recession hits and you know, they they start decreasing um payroll and having to take pe lay people off and different things like that. Well, guess what? You already have your thing going. You've already started building business credit. You already have hundreds of thousands of dollars in business funding that you have not spent. You're not just going to go buy purses and shoes with it. You have a new skill set, too. You know how to find properties that are in distress. So whether you want to keep them or not, you can. And then if you already have a business, say even it's just doing hair or cutting grass or, you know, um taking pictures, whatever your other business is, well, guess what? That's another opportunity for you to build business credit. Because if you already have an LLC and you already have the EIN and some of those things, you can jump right ahead and just start getting business credit and business funding. There are lenders that will lend to you with just three months of business um bank account statements. There are lenders that will give you a like a Chase business credit card um for business that you just opened up. $17,000, $25,000. I have a Chase business credit card with a $75,000 limit on it. Okay. This is what's available for you as a business. So, this is the perfect opportunity for you to take advantage of the opportunity that there's going to be people that lose their jobs. So, there's going to be opportunities for you to get that those real estates. It's going to be prop uh opportunities for you to help them and it's going to be a eye openener for you like I got to get myself in gear. You already know you're watching me you already know that millionaires are created through in hard times. Almost every company all your Fortune 500 companies were pretty much started during the depression during a recession during a downtime because that forces you to start going to classes start learning and start doing things. Okay, start doing things. So that's the opportunity that exists. That's what's going on in the housing market. And this is your solution. Okay? So I want you to come to the growyou boot camp. Grow your wealthboot.com. And when you're buying the ticket, use the code final50. F I N A L50 because we're almost sold out. And you will save 50% on your tickets. Again, I'm going to be teaching you all of this and it's going to be very interactive. So, this is a live stream, but we're actually going to be live stream where I I'll be able to see you on camera. You can ask me questions. Um, we're going to be it's going to be very interactive. Um, we're going to be giving out actual names of lenders. Obviously, I can't do that on YouTube and on social media, giving you the links, giving you um stuff that I can't just say on YouTube, like, hey, here's, you know, about what you should put on the application, and here's some tips and and tricks that I have to make sure you get approved. Here's exactly what they're looking for credit score-wise. But um for the most part, if you have good personal credit, I mean more than a 680 credit score, you can get business credit immediately. Okay? And if you are below that, like where I was when I started, in a couple of months, you can have a business credit report built out with business trade lines on it and start getting funding for yourself. So whether it be you're immediately ready, most worst case scenario is two or three months. That's it for so so by the time it's May of 2025, by the fall, you should be ready because by the fall of 2025, there's going to be some even more crazier stuff going on. Like I said, now that my channel is getting so big, make sure you subscribe because the more subscribers I have, the more people that just talk to me. Like these rich and wealthy people just talk to me. They tell me stuff and I'm able to tell you. Okay, so make sure you're subscribed to the channel as well. So, not only come to the boot camp, make sure you're subscribed to the channel that's absolutely free and will help me get to a million subscribers because I have some like really people, really amazing entrepreneurs, like really really wealthy. I have actors, I have celebrities, I have business owners, people that own like stuff you wouldn't even imagine, like people that own teams and things like that kind of talking to me and telling me things. Some of it which you you kind of know but a lot of it too what they tell me is ignore this ignore that because a lot of it is such a distraction. Okay. You know that um whose trial is going on? Diddy's trial is going on and and uh Karen Reed and all of these things. Ignore those things. Those they don't matter. Immigration and some of the stuff with immigration some a lot of that stuff does not matter. It does not matter. Not to you. If you're here legally in the the country legally, you will be able to do a lot of things. And if you are born in the US, you actually have an amazing opportunity that other people do not have where you can get financing for properties for your business with almost no documentation. That's like almost like your birthright. And I want you to make sure you're taking advantage of that. Okay? Um there's so many amazing opportunities that I want to make sure that you're taking advantage of. So, all right. Deborah just became a member on my YouTube channel. Thank you, Deborah. I cannot wait to see you in there. So, if you haven't been a member, also become a member of the channel. You'll actually get early access to my videos um and obviously more discounts to any events and different things that I'm having. But this event is a virtual event. Like I said, the the GrowYou wealth boot camp. Um it's Saturday. It's virtual. You don't even have to leave your house. I will be leaving my house and going into a big studio where I can see you and you can get on camera and we can ask each other questions. But it's going to be a just one day of full learning so that on Monday morning, okay, you know exactly what to do and you can start putting that plan into motion. Obviously, I cannot mentor everyone, but I try to do as many classes as I can to teach as many people because a lot of times you can just come to the class and make your own plan and work that plan by yourself. Some people do need their own coach, just like some people can buy a house without a real estate agent. They have the capability to do that. Some people they get overwhelmed and they are going to get screwed in the process if they don't have representation. You know who you are and there's nothing wrong with being someone that needs help. I I had a coach. I have a real estate agent when I buy houses. Um but the key is a good real estate agent. Someone that is not just in it for a hot minute and then up out of being a real estate agent a year or two later. I want somebody that's been a real estate agent 10, 15 years. Okay? Somebody that's a broker. Okay? Somebody that owns rental properties. I don't want a real estate agent that that rents a house or rents an apartment or only has one house and only bought one house or sells one house per year. Like, I'm sorry, but some of the real estate agents that people have complained about, when you actually look at the resume, baby, it was right there for you to know that this person wasn't going to be able to help you. So, again, I love everybody, you know, I'm not u downing anybody or dissing anybody, but the real estate game just had to change. And I think this is a really good change for real estate, especially if you think like an investor. Stop buying houses based on granite countertops and stainless steel appliances. Start buying houses that are not that far from the highway that can make good rental properties. A property that maybe you could live in, move into, and then move out and make into a rental property. A property that you can do multiple things with. So, don't go get get into a property where there's an HOA and they tell you you can't make it a rental property. Don't buy that house that because that that means it's never going to be an investment property for you. That that's not good. Um, multif family. Somebody earlier asked me about multifamilies. I think it was Vincent said, "I got to get some multifamilies." Yes, Vincent. Multifamilies because then again, you can live in one unit and you can rent out the other units. That's an amazing house hack. It worked 20 years ago, 30 years ago. It still works to this day. Okay? And up to four units you can get traditional financing for. Okay? So, you got to start looking at these opportunities that are right in your face and not get left behind. Not be so skeptical about what people are telling you. I'm telling you this cuz I love you. Okay? Obviously, I do not have to come up here and tell all of what I know, but I feel like that's how we'll all get ahead. The more of you and the more of us that do this, the stronger we are. We are definitely stronger together. So even if so, for example, you do one day get a portfolio of real estate and then something tragic happens and you have to get divorced. Well, guess what? Now you have a network of people to sell all your real estate to. You don't have to be like, "Oh my gosh, I have 24 closures." I'm just using as an example. The point somebody laughed. I'm like, I'm just saying the point is we are stronger together. So I want us to be stronger together. I want us to learn together. I want each one to teach one. So I want you to learn it. I want you to do it. And I want you to teach it to other people the same way that I did. Okay. All right. So, uh, the problem is we cannot get any kind of business credit if you don't have revenue or money. Absolutely not true. There are that is absolutely not true. In many ca, and I'm telling you, I have different lenders. They don't even check. So, if you want to put that you have no revenue on the application, well, yeah, they're going to decline you. But, in many cases, you can put projected revenue, especially if it's a new business. So, I'm gonna I'm telling you, I have so many ways that you can get approved for business funding. I need you to come to class, come to the growyou wealth boot camp, um Mon'nique, because that is not true that if you have no revenue, they will not lend to you. That is absolutely not true. There are lenders that will lend to you without even checking. And there are lenders that will lend to you with projected revenue. Okay? Especially with a new LLC. Think about that. You don't have any revenue. So, what is your revenue going to be? Well, you can say 20,000 a month, $10,000 per month, and that's not illegal. That's not unethical. Okay? Especially too, once they give you that money, if you run ads with it, you really will make more money. Okay? Then there's other lenders um that, like I said, some that ask for no revenue at all. They don't even check or two that will that will ask you if um for your projected revenue. And then there are ways to actually create revenues from one business to another. So, say you have multiple businesses. Well, did you know one of your businesses could lend the other business money? Did you know that one of your businesses could invoice the other business? So, there's tons of real ways to create revenue for businesses and get more funding and then use that funding to actually make a lot of money. But you have to be strategic. Okay? So, I'm not telling you this as just some crazy YouTuber that's here. And I'm telling you this as an actual multi-millionaire, but more importantly too, I have an MBA from Baylor. I have a master's degree from NB uh from Penn State. You can actually do these things the correct way. This is not a scam. This is not about you getting locked up. No, I want you to do it the right way. And this has been done for years. The problem is we just didn't know it. No one told us. No one told us how to do it. And so in many cases, too, when we hear, we're a little bit afraid because we may be missing a step. And that could be true because again, I'm here on a YouTube video telling you some of these things. But there's a correct way for one of your businesses to invoice the other business. And there's a wrong way to do that. All right? There's a correct way to put projected income on a bank application and then there's a wrong way to do it. So, there's a right way to do all of these things and you just have to get connected and get um tuned into this because you can do it, Monnique. I know you can. Alexander, you too. You have your LLC set up. You have an LLC. You can do this. And then there's two. There's certain words that we want to leave out of our business name. And again, I'll go over all of this at the boot camp. If you come to the growyouealthboot.com, use codefinal 50. I will go over all of this because there's also names of your business that you may have to change because some names in a business are high risk and then they're automatically flagged as a high-risisk business. Businesses that fail at a high rate like hair salons or real estate businesses in many cases they fail at a very high rate. So even just having that word in your business name, they'll reject you and decline you. But there's certain businesses that are very low risk. Very low risk. And it's the same thing. You know, one person can say, "I'm a real estate investor." Another one's I'm a real estate consultant. And those two businesses are completely different. Okay? So, y'all get it. All right. I want to see you at the Grow Your Wealth Boot Camp. Go to growyoub bootcamp.com. Get your tickets. Use final 50 to save. Again, it's all day of learning. I'm going to be teaching you guys all about business credit, all about how to build your wealth. It'll be very interactive. I cannot wait to see you. Pamela Solers already got her ticket. Yes. Cannot wait to see you. Like I said, it's going to be a really good group. um and really serious business owners. You're going to be with some really great like-minded people, really positive people, a great network that you really could build with. That is what this is about. We are stronger together. I always want to let you guys know that we are stronger together and each one can teach one. All right, that's it for now. All right, I love you guys so much. Said yes, Pamela, I cannot wait to see you there. S oh my god, Sipion James, hopefully I'm saying that right. Tijana Tana Tijana Upton, hopefully I'm saying that right. Love you girl. I cannot wait to see y'all there. All right, this has been amazing. This is to your success. This is the year, guys. To your success. All right, bye.