Transcript for:
Coach K’s Grant Mastery Challenge: Day 4

save. I'm going to make sure I get that. I'm going to practice that. Is that John? We're going to get with you guys. I promise I'm going to save you guys and you're going to get pulled up tomorrow first thing. So welcome in everybody. Welcome in. We are getting started with day four. So all my YouTube fam, where you at? Comment, I'm here. Comment, I'm ready. We are getting started and we've had an amazing conversation. with all the annual and lifetime members. But now we are getting into day four session with Coach K. Coach, so far we've covered how to actually, you know, set your funding goals. We talked about how to set up your business right. We talked about how to start writing grants a little bit. And now today, I think we could, I could be wrong, but we're getting into like how to actually, where to find these grants a little bit more and how to get deeper into the weeds, right? No. A little different, right? So we had a couple of people who asked me about the EIN only funding. So I'm going to cover just because I know we got a guest speaker coming. So I'm going to cover just a little bit of the EIN only funding. Let's go. So we can cover that. And then tomorrow we're going to dive into locating the grants and uncovering those additional funding opportunities. Y'all okay with that? I didn't even know that. Like coaches changing things. And the cool thing I love about coaches, she's changing it based upon what she's seeing you guys want and need, right? Because I think like the schedule was a little different. And she said, you know what? I'm going to make sure that they get what they need for that. So listen, stay locked in. Get your pen and paper. This is going to be valuable. We do have a guest speaker coming up. So make sure you stay to the very end. You don't want to miss out on that. But welcome in. Coach, I'm going to pass the mic to you. And let's get day four underway. Awesome. Thank you. All right, you guys. Are y'all ready for day four? It's like, what else can she possibly teach us? And I have another guest speaker. Like. who else could she possibly bring up? So I am going to jump right in because I got to make sure we have time for our guest speaker to come in and just add some more value to the Grant Mastery Challenge. Are y'all ready for that? So I had a couple of people inbox me and say, you know, coach, you know, I love the presentation about personal credit and business credit and all of that's amazing, but I'm working on my personal credit and what other opportunities are out there and available for me for my business and for my brand. If I'm working on my personal credit and I can't get access to business funding at this moment. So there are companies and organizations that will give us funding based off of our business credit score. You can actually get funding based off of your EIN only. How many people knew that? That by having a structured business and setting your business and setting the foundation up, which we went over in day two, we can go out and we can build out our business credit score. So we can get access to funding for our business based off of our business credit profile only. So I know this is the Grand Mastery Challenge, but my job as your coach is to make sure you have every resource you need to grow your business to the next level. Lynn's looking at me like, what? I know, right? So I am going to share my screen, you guys, and I'm going to go over how you can get access to business funding based off of your EIN only. And then we are going to make sure, I got to dive into this information really quick because I got a crazy surprise. Y'all going to be like, there is no way she pulled this off. There is no way she pulled this off. But I am so committed to making sure you guys have the value you need, the resources you need, but also making sure that I am pulling out every stop that I can think of to pour into my community. So listen, this is day four of the Grant Mastery Challenge, you guys. Today, we're going to talk about... building business credit based off of your EIN only. We already talked about setting the foundation up for your business, but this is why you need to be using business credit and business funding. It's going to be separating your personal and your business expenses. It's access to capital, you're building relationships, it's business growth and development, and it's actually an avenue for emergency capital. How many people have ever had an emergency in their business? How many people have ever had a slow month in their business? And you were like, what can I do? to make up for this. So business funding and business strategy is going to be an opportunity for you to kind of make up for those slow months or fill in the gaps when you need funding and other opportunities. So to start and get access to business funding and business credit, you want to make sure you're building relationships. So we're going to locate companies that will allow us to build our relationships and build our business credit score based off of positive impacts that we are having with these companies. I'm going to give you guys the companies tonight. I'm going to tell you exactly what companies to use to build your business credit score. And if you follow this guideline, you will have a positive score within 30 to 45 days, and you'll be able to get access to funding within 45 to 90 days for your business. How many people can take action and do that? How many people can take action and follow the blueprint that I'm going to give you? And if you follow it to the T and stay locked into the business and grant community, we're going to make sure you get access to funding and capital for your business. All right. So we talked about business growth and development. You guys, business growth and development is huge. There are a lot of people who are stuck and stuck and stagnant within their business just because they don't have the funding and the resources they need to scale their business to the next level. So business credit is going to be an opportunity for you to market your business, grow your business, take advantage of other opportunities for your business. It also puts you ahead of your competitors in your competition. If you have the funding and resources that you need for your business and your competition is using their paycheck to fund their business, you're two steps or 10 steps ahead of them because now you have an avenue or funding avenue for your business and for your brand. It's an opportunity for you to get access to emergency capital. I have been the entrepreneur who did not have funding or the money to make payroll. I've been the entrepreneur who had an unexpected expense. The power went out or the HVAC is not working or the toilet or the plumbing is messed up. And what am I going to do to fix this issue now? Because if I have to shut down my business, now I'm losing more money. So now I need a resource to help me step in immediately to continue my business, my growth and development within my company so I don't have to... Stop. pause my business. And so business credit is that outlet. Business funding is that way for you to get access to funding so you can keep your business going when those things happen, because they're going to happen. It's not if it's going to happen, it's when it's going to happen. So it's going to happen. It's just now, what do we do or what resource do we need, do we use to make sure our business and our brand is safe and protected? Okay. So business credit is going to be an avenue for that as well. So I'm going to dive into some business credit terms because I'm going to give you some terms. And it's important that you understand these terms because they're not terms that we use on a normal basis. All right? So Duns and Bradstreet, you guys, Duns and Bradstreet is going to be one of the credit reporting agencies that we use to monitor our business credit score and our business credit profile. Duns and Bradstreet is going to be one of the companies we use to monitor our business credit score and our business credit profile. Your business credit score is usually generally called a paydex score. Our goal is to get you to an 80 paydex score. Type 80 in the chat. Our goal is to get you to an 80 paydex score with positive trade lines added to your profile to get you approved for funding. 80 is going to be the magic number, okay? But we got to make sure not only do we have the score, but we have the accounts to back up the score and match what we're doing with our business, okay? You're going to see us talk about a little bit of net 30 term, net terms or net 30 terms. If you hear this term, if you see the word net and a number behind it, that's how many days you have to pay the account off in full. So if you get an account, a gas card or a credit card, and it says net seven, you have seven days to pay it. If you see net 45, you have 45 days to pay that account in full. Okay. We generally try to stay away from the net 30s, the net sevens, the net 45s. But if you are an entrepreneur and you have to use that resource, then that's just the resource we have to use, okay? We talked about a paydex score. Paydex score is going to be your business credit score. This is how we're going to talk about our business credit score and monitor our business credit score. Paydex score is the term that we're going to use when we're referencing our business credit score, all right? You'll often hear me say PG, personal guarantor. You have the option of being a personal guarantor or not being a personal guarantor. The difference is, do you want to use your social to back up the funding opportunity or not? All right. So if you see no PG, we're not using our social. If you see PG, we are using our social. So can you believe you have the option of using your social or not to secure funding, to secure credit cards, to secure vehicles for your business and for your brand? OK, so if you're the entrepreneur and you've made some mistakes on your personal credit and we've all been there. We're going to fix and restore our personal credit, but while we are on that mission and journey of restoring our personal credit, we're going to go in and we're going to build our business credit and leverage business funding so those challenges that we have on the personal side are not holding us back from building our business. Y'all okay with that? Anybody okay with that? How many people are stuck because they don't have funding? How many people need the funding to scale and grow their business to the next level? All right, so this is an opportunity for us to get the funding and capital we need for our business. You're going to hear me talk about the term trade lines. Trade lines are going to be accounts used added to add to your business credit profile to strengthen your score. All right. So we want to make sure we have trade lines, which are positive accounts that we are going to add to our business credit profile to strengthen our score. We don't want to just tell these companies we have a good credit score. We want them to be able to look at our credit profile and understand how we can get access to the funding and capital we are requesting based off of positive relationships that we have used. OK, so this is what we're going to do to understand business credit. Before we dive in, you guys, there's three. companies, three companies that are going to review and monitor your business credit score. Dunn's and Bradstreet is going to be one. Dunn's and Bradstreet is going to be one and probably the top company that we're going to use, okay? The other people can see your Dunn's and Bradstreet score as well. So funders and grantors can pull your Dunn's and Bradstreet score. They can see how much money you make, how long you've been in business. They can verify your business credit score. So Dunn's and Bradstreet is one of the top. companies. This is actually used in the US and in Canada, you guys. So you can build out this score in Canada or US and get access to funding. Experian and Equifax, we all know them, right? We don't like them a lot, but we all know who they are, right? So Experian and Equifax also have a business credit reporting, right? And we are going to build out our business credit score with Experian and Equifax as well to get access to funding for our business. Y'all still locked in? I know this is business and grants, right? So I have to make sure I get you the business and the grants that we need for our business, all right? So net 30 terms, this is commonly used when we talk about payment terms for our business. If you see the term net and a number behind it, that's how many days you have to pay it back. There are vendor accounts and there are corporate accounts that are kind of under different tiers. So there are companies that will give you funding as you reach a certain level in your business. So as we build out our business credit score, we'll probably be at a tier one. And so there are companies like, why did I say Yahoo? I'm sorry, Amazon. There's companies like Amazon. There's companies like Staples. There's companies like Home Depot and Lowe's that will give us funding for our business based off of having a score. As we continue to build our business credit score, we can go into other funding opportunities like the car rental place. It's enterprise. I'm sorry. Enterprise or there's so many other different vendors that have funding opportunities available for us. A lot of these companies are supplier companies or vendor companies. But there's also a company, Sam's, Sam's and Walmart. They have accounts, but they also have business credit cards that are not store based cards that you can use anywhere. But we got to build out the business credit score to get that get to that point. All right. So this is how we are going to establish a business credit score. Y'all ready? This is how we are going to establish a business credit score for our business. We have to go in and we have to add positive trade lines to our business credit profile to qualify for the business credit score. So I'm going to tell you exactly what it counts to add. Y'all got your pen and paper ready? Let me know in the chat. All right. So these are the accounts I want you to add. If you go in and take action and add these accounts after you've structured your business properly and add these accounts, you will have a business credit score within 30 to 45 days. After you get the business credit score within 30 to 45 days, there are companies who will give you funding based off of your business credit profile only. Y'all excited about that? Y'all excited about that? You can fund your, you can. restore or build out your entire Airbnb. You can do community service or these community events that you're doing. You can use this for marketing and growth and leveraging your business to the next level. So this is another funding resource to grow your business and get access to funding. So the first thing we're going to do is we're going to go to a company called NAV, N-A-V, and I'm going to drop these links in the community. They're actually already in the community for you guys, but I'm going to drop these links in the community tonight. There is a company called NAV. NAV is a credit monitoring company. NAV has a free service and a paid service. We are going to use the paid service because we want them to report a positive payment onto our business credit report. So we're going to go to NAV and we're going to create a relationship with NAV by paying them a monthly fee, probably for about two or three months, right? Paying them a monthly fee for a couple of months to monitor our business credit report. report, but also to add a positive trade line onto our business credit profile. All right. That's going to be one account. Our goal is to get at least five to six accounts on our business credit profile to strengthen our profile. All right? Five to six accounts to strengthen our profile. So the first account we're going to add is NAV. Now, when you go add the NAV account, they're going to give you an option to do what's called a NAV prime card. It's very similar to the secure card. Y'all remember when Andre talked about a secure card yesterday? Well, this is a secure card for your business. Very similar. So when you sign up for NAV, they're going to give you the option to enroll in a NAV Prime card and a business checking account. So you can cross out getting a business checking account if you decide to do it with NAV, if you need an online account. So the NAV Prime card is very similar to a secured card for your business. And it's going to add a second trade line onto your business credit profile. So just by creating an account with NAV, you're... creating a positive relationship, but you're getting access to two positive accounts that you're going to add to your business credit profile to get access to funding and capital for your business. All right. The next thing you want to do after you create your relationship with NAV is you want to go to CreditStrom. There's a company called CreditStrom that will require you to pay them a monthly fee. And when you pay them a monthly fee, they report a positive account onto your business credit profile. Pay them a monthly fee. They report a positive account. They have several different payment terms, several different options. Go with the term and the option that works best with your budget, all right? Go with the term and the option that works best with your financial budget, all right? So just like that, that's three accounts, you guys. We wanna add at least five to six. That's three accounts, three positive accounts and three positive payment histories that we're adding to our business credit profile. Then you want to go to eCredible. What I love about eCredible is if you're an existing entrepreneur, anything that you're currently using within your business, you can take it and force eCredible to report it onto your business credit profile. So if you're using GoDaddy, if you're using a virtual address, if you have utilities in your name or your business name, if you have a phone in your business name, eCredible will allow you to go in and... add each one of those accounts to your business credit profile. So just like that, you're adding more accounts and strengthening your business credit score. So eCredible is an amazing opportunity to add accounts, but they also have a service where they will add a positive account for you if you are not an existing entrepreneur. Okay? So eCredible is going to be our fourth opportunity. Now, if you are using a virtual address, there's a company called Debi, D-E-B-I-E. You can use Dibby to report a rent payment on your business credit profile. So now when funders and creditors look at your business credit score, they're going to say, oh my gosh, Nate is paying his rent on time every single month. And it's just your virtual address. You're getting credit for your virtual address and structuring your business properly. And I also encourage doing a secure card with Bank of America. Because you're going to build, not only build out your business credit profile and strengthen your business credit profile, you're building a relationship with Bank of America so we can go back later when we increase our personal score and ask for funding for our business. So these are going to be the accounts I encourage you to add so you can get access to funding and capital for your business. And by adding these accounts, you will have a paydex score within 30 to 45 days. And this is going to open up the door for you to get additional funding, no PG, EIN only funding for your business by simply adding these accounts. Now, you have the option. I'm not going to give you an option. I want you guys to be aggressive with this method, okay? So what I mean by being aggressive is I want you to take action now. I want this to be an action that you take sooner than later. Because if you use this method and you use this strategy, we'll be able to go to companies like Sam's and get approved for funding for our business. We have people who are funding their entire companies just based off of a Sam's credit card. Sam's will give you up to $25,000 without checking your personal credit score at all. So while we're looking for grant opportunities, while we're building out our personal credit, or while we're going after other funding opportunities, this is a method and strategy that we can use. OK, but there are also other companies that will give us funding. So Dr. Shan can go use Home Depot and Sherwin-Williams and Lowe's to go in and rehab her entire event space without using her savings account. This is something that I wish people would have taught me when I started my business. Because this is going to save you thousands of dollars of your own personal capital to grow your business to the next level. All right? This also gives you the opportunity to start that second business or add that additional stream to your business that you've been thinking about. So if you've been thinking about buying inventory or buying supplies and, you know, starting products or service, this is an amazing opportunity to do that because now we're going to be able to leverage supplier cards and retail cards for our business and for our brand. All right? So tier two vendors, these are going to be, once we get to the 80 paydex score, you guys, it's going to open up the door for funding opportunities. I know I keep saying that, but it's so true. So once we get to the 80 paydex score, it's going to open up the door for funding. And these vendors are going to want to give us capital for our business. So these are some of the companies that will give us funding based off of having a solid business credit profile. They're not going to check your credit. Some of them won't even ask for your social security number at all. And if they do, it's for verification. You can get into real estate with this. You can rehab your event space. You can, I don't know, you can do a daycare. Whatever you need to do, the funding opportunity is there. So all of these companies, these are retail companies. You can go in and rehab your entire night. Can you do your whole Airbnb with this? All right. I thought so. All right. So Sam's Best Buy. Home Depot, Tractor Supply, Lowe's, Office Depot, Floor Decor, Sherwin-Williams, JCPenney's, also AutoZone, Sunbelt, and Bill. All of these are vendor accounts that you can use to grow your business to the next level. How many people could use these in their business and brand? How many people know that you can go to Best Buy and buy something? You got holidays coming up. You got, I don't know, you're starting a new business. How many people know that they can go in and use these companies? to build out their business and build out their brand. But as you continue to add these accounts to your business credit profile, Sam's is going to be one of the companies that allows us to get access to a business credit card. This is a no PG, EIN only business credit card, solely based off of your business credit score. If you take action, you will get access to a credit card from Sam's simply by adding these positive accounts, all right? Y'all still locked in with me? I got to go through this real quick because we got our guest speaker that's getting ready to come in. All right. So here's a couple of additional types of funding that you can use for your business. You have credit cards. We talked about credit cards. We talked about credit card stacking. Andre went over some amazing funding opportunities. If you have a great credit score and a great credit profile, we definitely want to help you get access to funding for your business. You have no PG credit cards, no personal guarantor. which basically means the funding is going to be strictly based off of your business credit score. What's the score you got to have? Let me know in the chat. What's the score we got to have? All right, good, good. All right, so then you got to have, you got loans, right? You got business loans that are available for entrepreneurs. They're going to give you a lump sum of funding based off of your personal credit and your age and your business. So this is why sometimes if you need funding for your business, having that age is going to back you up when it comes to business loans. But if you're a new entrepreneur and you need funding, you need to go directly to business credit cards instead of business loans. As an entrepreneur, I always encourage you guys to have access to a business line of credit. I love business line of credits because it's a revolving account that sits to the side available for you to use when you need it. So imagine having $100,000 in a savings account that you go pull from whenever you need access to it. And then you pay it back. You put it back in later. That's what a line of credit is. So instead of a bank giving you one lump sum of money, they're going to say, here's $100,000. We're going to put it into an account. And when you need it, you just take from it. And your payments are going to be based off of what you use. So if you have a $100,000 line of credit, you take $10,000 out. Your payments are solely based off of the $10,000, but the other $90,000 is available. But as you put the $10,000 back, you can go back in and use it over and over and over again. If you're interested in real estate, this is a great avenue for you to grow your business. So lines of credits is an amazing funding opportunity. Revenue-based funding is also huge. If you are an entrepreneur and you want access to funding, but you don't have the best funding, or you don't have the best credit score. There are companies who will give you funding based off of the revenue that's going into your business. This is also why I talk about why using a business bank account is important so you don't miss out on funding opportunities. You don't want to use Cash App. You don't want to use Venmo. You don't want to use Zelle. You want it to go into a business bank account so that if you have an option where you need a situation where you need funding, you can get funding based off of your revenue that's going in. And then SBA funding is probably one of the best funding opportunities that's out there. You guys, they have the best term, best interest rates. Um, they do require that you have at least two tax returns for most of their funding opportunities to qualify. But SBA funding is a great strategy to grow your business to the next level. All right. So let me tell you what these funders are going to look for. These funders are looking for entrepreneurs who have the character. They're going to look at your business credit profile or your personal profile. So you have to have, or either your finances. So you have to have something that backs up what you're going to use. to get access to the capital that shows that your business is capable of paying it back. They're going to look at the capacity. So they want to be able to say that you have the ability to repay the funding. You can't ask for $100,000 in funding if you're making $3,000 a month. All right. So they're going to look at the capacity. They're going to look at the capital, right? The amount of capital invested in the business or the amount of capital that the business is making. They're looking for collateral as well. Are you going to have something to secure the funding? Is it going to be your personal score, your business score, asset, or showing your bank statements to show the revenue? And then they're going to look at the conditions of the business, but the conditions of the market as well. So they're going to look at the structure and the foundation of the business to make sure your business and your brand is structured properly. So this is going to be another avenue to get you access to funding and capital. for your business and for your brand. And it opens up the door for a ton of funding opportunities. Just making sure, just by having your business structured properly, just by having your business structured properly, these companies are going to give you access to funding for your business. Mike, do I still got a couple of minutes? Yeah. A big dream is to introduce it to a small mind. We good? We ready for our... We ready for our guest speaker or no, you're good. I was testing out his intro video and I got unmuted somehow. You're good. All right, you guys. So listen, funding opportunities available for, was this good? I know this was an addition, an add on. I know this was additional. I know it's kind of off of grants a little bit. We're going to dive back in. I'm going to show you where the money is tomorrow. I promise you, I'm not going to let you leave without showing you where the money is. But. I had a couple of people to say, you know, hey, Coach K, what about this option? Or I've seen this option. So I wouldn't be doing my job as a coach if I didn't show you where that funding opportunity was. Can we grow our business with that? Can we go take action and do this strategy to get access to funding? I'm ready to brag on my community. I'm ready to brag on my community and on social media and say, hey, my community, we got millions of dollars in funding. Having a thousand people in a community is amazing, but being able to brag and say we have millions of dollars in funding inside my community is what I want, you guys. So I need my community to take action immediately. Yes, Lynn. I need my community to take this information and grow their business to the next level. So this is a whole nother strategy that you can use to get access to the funding and capital you need for your business. While we're working on our personal credit, right? Because I know there's some people out there who face personal credit challenges. I've been that person, right? So while you're building and restoring your personal credit, this is an avenue you can use. So no funding is an excuse, right? We're not using that excuse anymore. Most of the time when I ask people, why haven't you started your business? Why are you not growing your business? They say, because of funding. That's an excuse that my community can't use anymore because I gave you grants. I gave you. business funding. I gave you business credit. I gave you no PG funding. I've gave you four avenues to fund your business. And all it requires you to do is take action. All right. So quick recap, you guys, quick recap, what we got to do to get access to the funding, the no PG funding. We have to add positive trade lines onto our business credit profile. So we are going to shoot for what credit score or what paydex score? What's the number? 80, right? 80 payday score. We're going to add five to six positive trade lines onto our business credit score. NAV, NAV Prime, Credit Strong, eCredible, a Bank of America secure card, and DB if you have a virtual address. All right? We good? All right. So I'm going to turn it over to Michael if we're ready. Yep. I think we're close to ready. So Listen, y'all, we wanted to keep over delivering for you. And so today what we've decided to do, is it OK if we bring on a guest speaker? Let me know in the chat. Put a guest in the chat. You're cool with just us bringing on a guest speaker because, listen, we can talk. Me and coach can talk up here. But there's there's power in having a circle of people with like minded thinking. There's power in being in rooms with high level. entrepreneurs. And so we say, you know, we have the circle. Why don't we just bring it to our challenge fam? Why don't we bring our circle and let it become their circle? So today, what we wanted to do is bring on a guest speaker. We have more coming on this week. We won't say who or when, but just know we want to bring in a guest speaker tonight to share his journey of transformation and his journey of going from working at an airport, not really having much going on. getting fired, I think he said from 10 jobs to now owning a multi-million dollar company, changing thousands of lives around the world. And so what we're going to be doing today, which is crazy story, right? To hear that, like that's a transformation. So I'm going to bring up in just a few minutes, Mr. Nehemiah Davis, but I got a video I want you to, I want you to, I want you to see this video that perfectly just kind of describes his come up. So You guys get your pen and paper, get your camera on, get ready because we are going to introduce the one, the only, Mr. Nehemiah Davis. I tell people all the time, the biggest way to kill a big dream is to introduce it to a small mind. Billy, what's up? I would never sell my soul. This kid that I had an opportunity to grow up with, his dad been in jail his entire life. This young kid, he got kicked out of high school. Dream chasing, catching all my goals. He got kicked out of high school. He got kicked out of college. He had nine different jobs. He'd been fired from every single job that he had. Get money me and all my woes. Nine years later he got a call. He said, hey you want to go fly out on a private jet? Then he'd been on one every single month for the last however many years because he believed. I was like, yeah, just pumping and shaking, there's no way they matching me up. Who really gonna see me if we getting busy and we staying around when it's ball? I'm only in practice, I go to the platinum and they saying that was the walk. In every hood, there's a MLK street. But in Philadelphia, there's a Nehemiah Davis Way. A big honor today for a West Philly native. The city has officially renamed the street Nehemiah Davis Way. Come on! It's my side of the league. Come on, like you mean it, it's my side of the league. League! We won the neighborhood awards and with the money from winning we opened up our very own community senate. I really liked how I got to have a small conversation to talk about why I look up to him and all the things that he does. Stand up, stand up, stand up, stand up, stand up. When I bought a ass tomorrow y'all thought it was renty. Flexin'on these, something like papa on his spinach. Double M yeah that's my team, Rose Aiden, Captain, I'm Lieutenant. I'm Lieutenant. Whatever you truly believe in your heart of hearts, it will become a reality. It's hard to seize what you haven't seen. Start saying, I believe I'm successful. Start saying, I'm a winner. Start saying, I'm a leader. Start saying, I'm a millionaire. My friends couldn't change my life. My mom couldn't change my life. The information they teach in schools can't change your life. Take this information, execute on it, and I promise you, this information can change everything, but you gotta change it. It was something about that rollie when he first touched my wrist. Had me feeling like that dope boy when he first touched that. All right, everybody, unmute, clap it up for Mr. Nia Maya Davis. Let's go. Let's go. Nia, are you in the room with us, brother? You here with us? Let's see if we can pull Nia up. Can you see me? Yes, sir. We're good to go. You ready? Yeah. Let me just edit this. What's good, y'all? Let me know how y'all feeling in the chat. What's good? What's good? What's good? What's good? Let me know how y'all feeling in the chat. Let me know how y'all feeling. What's good? What's good? What's good? All right, cool. So cool. Let's get to it. All right, guys. So man, um, let's get to it So what's good everybody first and foremost as I get started man, it would it I cannot move forward without literally thinking And give an honor to my sis, Coach K, literally one of the hardest working women that I know. Like she works so hard to bring you guys the game that she's bringing you, delivering you nothing but mad value. Right. So I just want to let's just clap it up for y'all one time. Let's just clap it up for y'all. Give her give her her flowers. And I also just got to clap it up for her and thank her because she's working diligently with myself. and my mom and our organization to help us go get millions and millions and millions of dollars in grants so we can go out here and really fulfill our mission and really help more people and impact lives. So I just wanted to give you your flowers. I don't give them to you often, right? So I just wanted to say thank you, coach, for what you're doing. And I'm super grateful for you. And I'm ready to get to it. How are you feeling? I'm feeling good. I already know you're going to over-deliver tonight. I'm always excited to hear you speak. So I'm excited to have you. All right, let's get to it. So guys, so I was on the phone with Coach K earlier. We had a conversation earlier. And then I just want to know, am I talking to the right group? Give me full screen. And she said, Neal, man, this group, I don't know. It's something different about this group. Like, I don't know what it is, but I feel like they're really executors. I don't know what it is, but I feel like they're really go-getters. I don't know what it is, but I believe this group is going to go get millions and millions in grants. Like, I don't know what it is, but I believe this group going to go get a bunch of business credit. And more importantly, they're going to impact not only their lives, but they're going to impact people's lives all around the world. So just let me know, am I talking to the right group? So I believe when she was having that conversation, I believe who she was talking about was Nate. I believe she was talking about. Uh, George, I believe she was talking about Vincent Watkins. I believe she was talking about Corey Cotton. I believe she was talking about Randy and Demi. I believe she was talking about Curtis Sherlin. Let me know, Lynn, was she talking about you? Uh, Akisona Marie, I know I chopped that up, but let me know if she was talking about you. Uh, Benjamin Davis, we might be, uh, cousins or brothers, you know what I mean? Let me know. So, guys, I don't got a lot of time before you. I really got a solid 30 minutes and... Is it okay for this next 30 minutes that I talk to you guys like a brother, right? Talk to you guys like an actual relative, right? And if it's all right, just in the chat, say, that's all right, brother Neil, because I'm going to be your brother, right? And if you guys know anything about being someone's brother, right? Being someone's sister, they're going to keep it how it is. They're going to tell you the truth. Like, I'm not here to just motivate you, encourage you, and empower you, but I want to also call you on that you've been playing games. I want to call you on that you have not been living up to your full capabilities. I want to call you on right now that you keep stopping and starting. I want to call you on right now that you keep saying you're going to get going and you don't get going. I want to call you on right now. You keep sharing your big dreams with people. I want to call you on. You keep talking about what you're going to do and you're not going to do. I want to call you on saying you're going to do something and not honoring it. I want to call you on not giving this thing everything you got because you assume tomorrow going to be here. I'm going to call you on not becoming the best that you can possibly be. I'm going to call you on not giving every. everything, this concept of going all in every single day. So is it all right? Am I talking to anybody here today? Just let me know in the chat. Am I talking to anybody here today? Because I was at that place where I needed somebody to say, well, you know what, Neil, you are bullcrapping. You know what, Neil, you're not doing everything you can be. Nehemiah, you know what, you keep coming up with excuses. Nehemiah, you keep saying what you're going to do and not doing it. Nehemiah, how long are you going to keep coming up with excuses? And here's the other thing they said to me. They said, Nehemiah, how long are you going to continue to settle? And when they said that one to me, it struck me in the core because after they said that, they said, Nehemiah, you know everything that settles is at the bottom. Are you okay with staying at the bottom? And my question to everybody here today, are you okay with staying where you are right now? Are you okay with the money that you're making? Are you okay with the impact that you're making? Are you okay with your family dynamics? Are you okay with the job that you're working? Are you okay with how your business is operating right now? Are you okay with being where you are? And this is just a regular conversation. It's either yes, you may be or no, right? And the very first thing I want y'all to put on the top of your paper, I will no longer settle. Put it on right now. Put it down on that paper. And here's the thing, y'all. I don't care if you're making millions of dollars. I don't care if you're making six figures in your business. I don't care if you're making seven figures in your business. The next thing that I need you to write down is another level waiting for me. Write down, there is another level waiting for me. There is another level waiting. There is something that is calling me to say there's another level waiting for me. There is something. That I know there's a lot more to me than what I've been going through. There's a lot more to me than what I do on a daily basis. There's a lot more to me than what am I currently accomplishing. I want y'all to know. And I want the third thing to write this down. This is not another day. This is not another week. This is not another conference. This is not another motivational speaker, y'all. Every single body here, there's going to be a time when there's going to be a point in time that comes where there's going to be a person that said a word to you. There's going to be a group of people you might have been around. There's going to be a light bulb that comes on, and you're going to realize that is the moment that things got to change. And I'm hoping that this is this week for you. I'm hoping today is that day for you. Every now and again, you're going to make a decision that enough is enough. And I was able to do that about 17 years ago, and I have not looked back since. So I want you guys to go ahead and take a moment and write this down for me. One of the most important things I've learned in life is you need to make commitments and you need to honor them. So one of the things that I do before every speech that I do, I write a commitment statement, right? And correct me if I'm wrong, coach, you're helping people get six figures and seven figures in debt-free grant funding. You're also helping people get business funding. Is that correct? Is that what you're doing so they could grow and scale businesses, right? Coach saying that's what she's doing. So what I want you guys to take a moment to write this down, a commitment. I'm committed and devoted to getting X amount in grant money, ideally six or seven figures in grant money and X amount in business credit. I'm committed and devoted to getting X amount in grant funding and X amount in business credit. And that needs to start with a minimum of six figures. I'm committed and devoted to getting six figures in grant funding. And I'm committed and devoted to getting six figures in grant funding and six figures in business credit in the next 365 days. Once y'all got that, somebody in the chat say, I got it. Somebody in the chat say, I got it. I don't got a lot of time, y'all. Somebody in the chat say, I got it. Right? I'm committed and devoted to making the extra six. I'm committed and devoted to getting an extra six figures in grant funding and six figures in business credit in the next 365 days. I'm willing to do whatever it takes today to make it happen. Come on, come on, come on, y'all. We got to write that. I'm willing to do whatever it takes today to make it happen. Once you're done writing your statement in the chat, write done. And directly under your statement, I need you guys to take a moment and I need you guys to sign it and I need you guys to date it. Why is this so important? Because this is a statement that you're going to look at every single day. This is a statement you're going to look at every single day. This is a statement that you're going to believe in. This is a statement that you're going to take. that you're going to take action on, right? Now, do me a quick favor. Directly under the statement, I need you guys to take a moment. Y'all writing this statement. Now, how many people believe it could be true for you? Be all the way, wave at me. Wave at me if you like, Neal, I'm not just writing this. I do believe I could get six figures in grant funding, Neal. I do believe I could get six figures in business credit. And I'm talking about only six figures, y'all, is a minimum of 100K going up to 999,000. I'm not telling you guys to go get a million. How many people 100% believe with Coach K's coaching, you could go get six figures in business credit? You could go get six figures in business funding? And I like how Crystal doing. Crystal said both hands up. You feel me? I want you, Crystal, because she helping me do both. So I'm both hands up for sure. You heard me? So with that being said, I want you guys to catch this. I need you guys to take a moment. I want y'all to write down who you doing it for in this season of your life. And I'm going to be all we honest, y'all. I know a lot of y'all about to say myself. And I'm so happy that you saying yourself. I don't know if y'all ever saw the... Uh-oh. the Snoop Dogg award when he got his star and he said you know what I want to thank me I want to thank me so y'all probably like yo you know what I'm doing this this time for me but the reason why I need you guys to take a moment and write down someone other than yourself your mom your dad your boyfriend your girlfriend your kids your cousins I need you to put someone else down on that paper and the reason why is because when when you fell it's not if you fell it's when y'all because what most people don't understand is Most people look at failure as a bad thing. We look at successful people, look at failure as data points. What must we do differently this time? I'm still failing every, y'all, do y'all know how often I fail? I'm failing every single week. Right now in this life I'm living, like, I could tell you a failure every single week. Somebody just quit in our company. I'm like, ah, they quit because of me. That's a leadership problem. That's a failure for me. That means I got to go figure out how do I get better. So what I want you guys to understand very quickly, I want you guys to note this down. Who are you doing this for? Because we have got so used to failing and letting ourself down. If you decide to let yourself down, it's just another day. It's just another. Yo, if I don't do the things that Coach K says, if I don't run the players like she's saying, if I don't do, it really doesn't matter because I've got so conditioned and used to letting myself down and failing that this is just another day that I'm doing it again. Making sense? So the reason why you need someone else to guide you, right? The reason why you need to be looking and realizing why you're doing it. I do this for my mom. I do this for my wife. I do this for my four children. Listen to me, y'all. I employ over 20 people. My monthly payroll is over $150,000 a month, my monthly payroll. So Nehemiah, what does that mean? If I don't go get up, if I don't go make something happen, if I don't go out here and work, guess what happens? It's going to affect everyone who I hire, their family. If I go out here and don't make it happen, my mom got to go back to work. I'm not okay with that. My wife got to go back to work. I'm not okay with that. So I need you guys to get very clear on who you're doing this for. Next, directly under who you're doing this for, write down right now, what's the other reason why you're doing this, y'all? Is it for time freedom? Is it for financial freedom? You got to have a reason. Time freedom. Neil, I need that time freedom, financial freedom. Anybody here, y'all, be all the way honest with me. Just say me in the chat. You are not okay with working the job you had until you retire at 67 years old. Somebody let me know. And some of you guys are going to get fired in this season. Guess what? Coach K got fired from working the job. I'm sure when she got fired, she was devastated. I went with Coach K the other day, about two weeks ago, and I haven't had a chance to talk about it. But her mom was just sharing, like, you know what? She was like, you know how excited and pumped up I am? My daughter retired me. Woo! And when she told me that, I got chills because I remember what it felt like to retire my mom when Coach K's mom said, you know how good I feel? to know my daughter retired me every single day. Now I get to do more of the things I love. I get to help my daughter. I get to do all of that. But do you want to, you know how hard that was when Coach K probably got fired from that job? Like, man, what am I going to do now? But she stayed the course. She worked the plan. She worked on those grants. She worked on that business credit. And now she sits before you, giving you guys the information to help you go grow a six or seven figure business. So what I need you guys to understand, everybody write this down. Failure is okay. Everybody write failure is okay. I need us to get that because entrepreneurs only preach to you successful, successful. Yeah, you got to always win. No, failure in hard times is okay. But long as I get through those, those require a certain mentality. Right? So next, let's keep moving forward. Next. Very quickly, for those who don't know me, my dad been in jail since I was two. Everybody in the chat right, keep going. My dad been in jail since I was two. I got kicked out of high school. I got kicked out of college. I've been fired from 10 jobs, y'all. And what I want you guys to write this down, this is a critical thing I want you guys to write this down. Everybody write this down. Never listen to they. There's a few critical statements that has literally impacted and changed my life in ways that you could not even imagine. Number one, the very first thing I want you guys, before you write down never listen to they, just listen to the statement. Write it if you want. Once your mind is expanded, to a new concept or idea, it's hard to go back to his original way of thinking. I'm going to say it one more time. Once your mind is expanded to a new concept or idea, it's hard to go back to his original way of thinking. So once you see there is more, it's hard to once Coach KC and show you how to go get 20 grand, 30 grand, 50 grand off of one LLC and you go duplicate it, you cannot unsee it. Once you see you can go get 100K, 200K, 500K, a million in grand funding, you cannot unsee it. Once you see somebody like me who dabbed in a jail since I was two for committing murder, kicked out of high school, kicked out of college, fired from 10 jobs, and now I'm a successful entrepreneur running an eight-figure business and running a global nonprofit that's impacting people all around the world. You now see that I did it, and now you believe you can see it. So the biggest thing I try to tell people is you got to get to seeing something as possible as fast as you can. When I worked at the private airport, I saw these billionaires and millionaires flying on these private jets. I- believed at some point it would be me. Catch it. But if I wouldn't have seen it, I wouldn't have known it existed. So some of us aren't at the level that we want. Some of us aren't winning the way we want to win. Some of us aren't getting to the level that we want to get to. It's because you have not seen it. You have not seen the million dollar homes. You have not gotten to your dream car. Next thing I want y'all to write this down for you to dream and for you to believe it's free. I don't want y'all to miss that. Some of y'all, y'all. Life has hit you so hard that you stop even believing. Life has hit you so hard you have stopped already dreaming, not understanding that those goals and dreams can come true. So as I was saying, y'all, dad been a jealous since his two. Kicked out of high school, kicked out of college, fired from 10 jobs. And the biggest thing I want you guys to know, biggest thing I want y'all to know. Never listen to they. I want y'all to catch this and write this down too. The biggest way to kill a big dream is to introduce it to a small mind. The biggest way to kill a big dream is to introduce it to a small mind. When I got fired from that temp job, everybody was like, Nehemiah, you're never going to amount to anything. Nehemiah, you're going to be dead or in jail like your dad. Nehemiah, you will never become great. Nehemiah, I'm certain you're going to be a drug dealer. Nehemiah, I'm certain you're going to die. Nehemiah, I'm certain you will never become anything. Nehemiah, I'm certain you won't win. And they were telling me all of these things. And guess what? I almost listed. I almost started to eternalize these things. And I said, you know what? Maybe they're right. If I continue to go down this path, if I continue to consume the wrong things, if I continue to hang around the wrong people, maybe they're right. And at some point, I want everybody to write this down. One of the most important things you will ever do in your life, everybody write it down, put it in the chat, make a decision. In that moment, I said, you know what? Enough is enough, Neo. Maybe they're right. Maybe if I continue to go down this path, I won't be anything. And in that moment, I said, I'm going to go try this entrepreneurship thing and I'm going to make it work. I have two options. Option number one, it has to work. Or option number two, it has to work. The second thing I said in that moment, not knowing anything, I didn't know the path in front of me. I didn't know what I was going to do. But I said, Nehemiah, you know what? I'm mentally unemployed. I'm mentally, hey guys, it's. There's 47 people I see in the chat. I said, comment in the chat, make a decision. Only three or four people even wrote that. If you can't listen to the small things, there's no way you can listen to the, there's no way you're going to go fill out a $100,000 grant that coach say, if you can't write, make a decision in the chat. That's the other thing. Somebody in the chat write, be coachable. If you can't do the small things, it ain't, hey coach, I don't know if they're going to listen to, go get a hundred K, do all this. They can't even do that. You know what I'm saying? So anyway, let's keep moving forward. So. As I was saying, y'all almost made me lose my train of thought. Make a decision. Oh, yeah. In that moment, y'all, I became mentally unemployable. I said, you know what? Entrepreneurship has to work or it has to work for me. And those who are like me and mine, what do you mean by this exactly? This means I made up my mind that entrepreneurship was going to work for me or death. And the thing and the reason that I see that a lot of us make is. Every time you make up your mind, you give yourself these excuses and these caveats. Well, if it don't work out, it's like an actor or actress moving to L.A. Like, I'm about to go pursue acting, but if it don't work out, listen, it will never work because you said it won't work. I need y'all to understand, y'all. The mind has two parts of the brain. You got a conscious brain. You got a subconscious brain. The subconscious brain, despite how complex it is, it has no reasoning ability. Whatever you say, it believes. It is like a projector. Whatever you project on, if you say I'm successful, you say I'm rich, if you say I'm wealthy, the mind will find a way for you to get exactly that because that is what you're saying. So one of the things I need you guys to do, make a decision in the chat that this must work. What Coach K is teaching you right now, it must work. What you're learning about business credit, it must work. What you're learning about grants, it must work. And guess what, y'all? One of my biggest mistakes I made over the last 15 years in my career with having my nonprofit, I wasn't applying for grants because I was in my own head. I wasn't applying for grants because I didn't make up in my mind that it had to work. I was so focused on what other people was going to say about me because I was running a business, but I was also getting grant money to help me expand my reach. That's one of the biggest mistakes I made. So again, everybody write it down. Never listen to they. And the biggest way to kill a big dream is to introduce it to a small mind, y'all. And I'm going to be all the way honest with y'all. I'm going to keep it all the way above with y'all. Some of y'all in here, y'all probably like, yo, Nehemiah, give me some strategies on marketing. Give me some strategies on grants. I can't give you grant gain. Coach can give you that. I can give you business credit gain, but coach won't give you that. The thing that most of y'all need is not more strategies on grants. It's not more strategies on business credit. Yes, that is going to help. But the thing that I've learned that most people need here is your mindset work. I had my brother, Wall Street Trapper. He went to a Tony Robbins event. Anybody ever heard of Tony Robbins? He's the biggest motivational speaker in the world. He get paid a million dollars minimum to come speak for an hour. And I say, yo, I'm about to go to this four-day event with Tony Robbins. I'm going to spend four days with him. I'm like, bro, I'm super excited. Please come back and share with me all your greatest and biggest takeaways that you learned, bro. I got to know about all of them. So he come back. I'm like, bro, how was it? Tell me about all the tax saving strategies he gave you. Tell me about all the business growth strategies he gave you. Tell me about this. Like, how was it walking on the hot coast? He said, we were in the room every single day for, I think it was 14 to 18 hours a day. No break. And I said, tell me all the game you learned. He said, you know what, bro? Only thing we learned about was mindset. I said, wait, you telling me the biggest speaker in the world, you went to a business conference in four days, the only thing you learned about was mindset? He said, yeah, that's all we learned about. And I, in that moment, I realized that most of you, it's not the skill set that you lack, it's the mindset that you lack. Somebody wave at me, y'all. How many people have stopped and started a business before? Let me know. How many people have shared your goal and dream with somebody and they talked you out of it? Somebody wave at me. How many people here have started a business, it didn't go the way it's planned, and you stopped the business? How many people here have started something and you paused it because times got hard? How many people here started a business and you said, I'm going to go full-time entrepreneurship and you went back to work because it stopped working? How many people here said you was going to do something you didn't do it because you allow fear to stop you? How many people here has allowed procrastination to stop you? If that's you in the chat, right, that's me. If any of those things that I just said resonated with you, I got a question for you. Y'all believe that's a mindset problem or you believe it's a skill set problem? So when I come to learn when I'm coaching and I'm helping people, some of the greatest people I help, some of the greatest people I coach, some of the people I'm around, some of these successful seven, eight, and nine figure earners, I've learned that the thing that is making them more successful is this. So yeah, I could talk about all these other things, but if you don't got this, it don't matter. So look, because of that, let me go on and give you guys some game. Let me give you guys quickly my wealth formula. Everybody write it down. Number one. Three things that I wish somebody would have taught me earlier on in life. Everybody write it down. Number one, wealth creation. Everybody write it down. And while you're writing it down, everybody write this down. This is critical for you to know. You cannot save your way to wealth. Write it down. You cannot save your way to wealth. I promise you, it does not work. Try it. Try to save your way to millions. You may could do it if you start at 18 or if you start at two, you put something in the rough IRA and... And you could take it out at 72 or something like, I mean, but generally you cannot traditionally save your way to wealth depending on how much money you're generating. So one of the first things that I tell everybody is the very first thing you need to do when it comes to this process is number one, you need to find your wealth creation vehicle. What will my vehicle be? Will it be acquiring business credit? Will my vehicle be acquiring business grants? Will my vehicle be acquiring real estate? Now, because I'm in the real estate space, i.e. event space, I'm going to give you guys my example. So the very first wealth creation tool that I was able to create, and everybody write this down, when it comes to wealth creation tools, write this thing down. You want to find a way for your money to work for you so you don't have to work for it. That's another elite level. But write that down. That's something that's going to happen at some point. How can my money work for me so I don't have to work for it? How can I get a vehicle that generates me income that don't require my time? So let me give you guys this. Most people have no clue. And funny, this is essentially, I guess this is a grant. Most people have no clue about this. Most people here, you could go buy an investment property in the next 30 to 60 days. Write it down. What are the requirements? You need a 580 credit score. This is called the FHA program. You need a 580 credit score. What type of building can you buy? You could buy a one to a four unit building. What else do I need to qualify? You need two years tax returns. What else do I need to qualify? You need proof of job income. What else do I need to qualify? You need three months bank statements. That's all you need. 580 credit score, two years tax returns, proof of job income, and three months bank statements. Most of you have that information or you can go get it. Why is this program so impactful and so important? Because you can go buy a one to a four unit building and only need 3.5% down. So you can go buy you a $300,000 building. The only caveat of this program is you gotta live in one of the units. But everybody here, outside of your biggest expense in life, outside of taxes, and what you do not know, would you guys agree, it's your mortgage or your rent? Anybody here okay with sacrificing your apartment being a two-unit so you can live for free for a year? Anybody okay with that? I mean, not paying your overhead, but you buy a three-unit building. You live in one unit. The second floor, you turn into a Section 8 unit, guaranteed rent. Same for the third floor. You make the third floor a themed Airbnb. $300,000. You only got to come to the table with 3.5% down due to this. program. And I'm assuming it's around grants. The government been doing this program forever. So 3.5% down on 300,000 is only $10,000. With closing costs, you're buying you a $300,000 building with less than $15,000. So that's my vehicle. So now I found the vehicle. Number two, everybody write it down. Next step in the process, everybody write it down. Wealth accumulation. Wealth accumulation. And for those very quickly, what does this mean? Your step one might mean just apply for a grant. Apply for a grant. Work on getting your first grant. Like work on getting your first grant. Step number two, wealth accumulation. Wealth accumulation, right? Nehemiah, what does this wealth accumulation mean? The biggest mistake that I see amongst us, everybody, write this down. We find something at work and we stop doing it. Like you found this thing that has been working so great. And you literally stopped doing it. When I was talking to my mentor, I'm like, yo, this little thing that I'm doing, it makes me like extra $500,000 a year, but I'm getting bored. I'm tired of doing it. His exact words was Nehemiah, don't get bored with it, get paid with it. And I decided not to stop that thing. So what will wealth accumulation mean? There's another aspect of the wealth accumulation. Now that we created, how do I gather more and gain more on this? Everybody write it down. It's something called the FHA 203k program. Nehemiah, what's the FHA 203k program about, bro? What's that about? It's the same exact program. 580 credit score, two years tax returns, three months bank statements, proof of job income. But the difference is they allow you to buy a commercial mixed-use building. Nehemiah, what you mean a commercial mixed-use building? That mean you can go buy a building that has a commercial... You sit downstairs, meaning downstairs is now your office. Downstairs is now your event space. Downstairs is now your grant center where you're helping other people get grants and helping other people get business credit and helping other people in their different things only during nine to five. Because now during the weeknights and the weekends, guess what we're running? We're now running our event space. So now you go find the same $250,000 building. But guess what? With the FHA 203k program, I don't even think y'all want no more. I don't even see the chat going crazy. I don't think they want no more game, coach. I'm going to go ahead and leave. I don't think they want no more game. So we're going to keep going, right? So FHA 203k program, the commercial mixed-use building, you now can only use the same thing, 3.5% down. 3.5% down. Right? 3.5% down. But they wrapped the construction loan in the same loan. So if you find a building for $250,000 and then you need $100,000 in renovations, they give you all of that money up front and they wrap it inside of the same loan. So you only now still need 3.5% down. So now you come into the table with probably like $18,000. for you to buy a commercial mixed-use building, you turn downstairs into an event space during the evening, your grant office during the day where you're servicing yourself and serving your own clients. And then at nighttime, you have an event where you can be charging $1,000 a bit. Now, the downstairs is making you $10,000 a month. Upstairs, you're living in one of the units. The other floor, you're renting Section 8. Now you just created a building that is generating anywhere between $10,000 to $15,000 a month. This is accumulation. Somebody say, keep going. Let me give you guys another aspect. Oh, you didn't get married yet. Okay. Before you get married, my brother Doug Depp just ran this play. Before you get married, you talk to your fiance. Hey, we all know the biggest reason of divorces is infidelity and lack of finances. That's the bigger, you arguing over money. What happened if you didn't have to argue over money, y'all? Like how cool would it be if you didn't even got to worry about bread because the bread is coming in. So guess what happens before you would go get married? You know, I just did this FHA. I want you to go do an FHA. Go grab you your own FHA building. Now they go grab an FHA building. Guess what? Now we go get married. It's something called a situational change. So now when your situation changed. Right. You now can move out of that. Y'all go buy another one together. So now y'all got two buildings that y'all got separately. Now y'all went and got one together, y'all. And then you could literally go do it again. Now you got to do a traditional. You can't do another FHA, but you just went and got three FHAs. Let me give you an example. My brother, Doug Depp, before he got married to his wife, she had to go buy a building. She bought a building for $90,000. They put $45,000 or $50,000 in renovations and using the 203k program. That building right now that he bought for $90,000 and put $45,000 or $50,000 in all in there at $150,000. That building is worth $500,000 right now. Their rent that they get paid is $1,200 to $1,400 per unit. Their mortgage is $1,400. So let's do the math. If their mortgage is $1,400, they're getting $1,200 per unit. It's $1,224. 36. If you minus 1400... From $3,600 a month, $3,600 a month minus, I'm not the smartest, $1,400 a month, it's $2,200 times 12. We talking about $26,400. Somebody in the chat write extra from running one play. I don't know about y'all, but my last job, I made $18,000 a year, and I work 40 to 50 hours every single week. So anyway, guys, the last step in the process, everybody write it down. Wealth preservation. Now that you figured out a vehicle that you're going to use, i.e. grants, i.e. real estate, now you found a way to accumulate it, i.e. commercial event space, i.e. grant office where you're helping other people. The last step in the process is wealth preservation. What is wealth preservation? Everybody write it down. You want to start beginning to learn everything you can about the tax code. You want to learn everything you can about saving the money that you're making. The tax code in the IRS. is the biggest, excuse me, pimps out here. They're going to get 30 to 50% of your money no matter what. So guess what? You need to learn. I spent the last year, I spent hundreds. No, I spent well over a million in taxes unnecessarily because I didn't know the tax code. So now I'm going down a rabbit hole. I just did a cost segregation study. It's something called the Augusta rule that you could do, right? You could go out and write off your home off. right? Some of you right now still don't have LLCs, but you're doing certain things with your car. You're doing certain things with business meals and you're not getting the write-offs because you're asking yourself, well, what if I got to buy an LLC? Yo, it's costing you not having one. So what I need y'all to do, start changing your language and stop asking how much does things cost and how much does it cost if I don't do it? How much does it cost if you stay in this place you're in now and the same exact place next year? I'm going to give you guys this final story and I'm going to get out of here, y'all. Everybody in the chat, right? If I could give you guys anything, if I could give you anything, one second, guys. If I could give you guys anything. the biggest, everybody in the chat, right, take advantage of opportunities and take advantage of them fast. Take advantage of opportunities and take advantage of them fast. So as you guys seen on my intro video, man, I'm so grateful to God, man. You guys could Google me. You could look me up. I've had a conversation with Coach Cam and be all the way honest with you guys. To date, I haven't gotten over $100,000 for a nonprofit. We haven't gotten over $100,000 for the work that we do. And the biggest reason y'all, what played in my mind was I was focused on Oh, he's traveling around the world. He's doing this. He's taking the people money to do what he's doing. And I never ever once took money to do anything, but that stopped me from going to go get millions of grants because I was focused on what someone had to say. Another thing that stopped me is because I always believed in the idea that I could do it tomorrow. I can do it next time. And I need you to understand that's a word you got. Eliminate out your vocabulary. Tomorrow, eliminate the word. Next time, eliminate the word. where I can't afford it. We got to start eliminating how we think in some of the things that we do. So again, one of the things that I love more than anything is giving back. So if you guys Google me, if you're from Philadelphia, if you ever go to West Philly, I got a street named after me recently. It's called the Nehemiah Davis Way on 52nd and Gerard, 52nd and Wailusa. And I got an entire basketball park named after me called Nehemiah Davis Dream Park that I paid for out of my own pocket. No sponsors. to really do it. I've been giving back 16 years now. We gave back to over 300,000 people all around the world. My last thing we did, we were just in Africa. We did a water well into a village. They named this water well after me that we did. We went in Africa to one hospital, paid everybody bills in the hospital. That's what really make me happy. That's the things that really drive me. I could do that all day, every day, y'all, all day. That's my vibe. So we're in Africa. literally last December. And while we're in Africa, my guys was like, yo, we're about to go to something called the World Economic Forum in Daru, Switzerland in two weeks. I said, I heard about it, but what is it? They said, it's the largest gathering of billionaires. And I was like, the largest gathering of billionaires? What you mean? There will be over 215 to 220 billionaires there. I said, let me know your dates. I'm in. Right in that moment, somebody say now. Now means no opportunity wasted. I immediately booked my flight. Immediately, right? Immediately. First thing I did, as soon as they talked about the dates, I said, flight booked, right? And I want to be clear. Everybody in the chat right now, I'm seeing five people writing. This isn't a just, this a workshop, y'all. I need y'all working too. Right? So immediately I booked my flight. And I said, Ben, I'll meet you guys out there. And mind you guys, I don't know about y'all, but I want to go be around billionaires. You become who you hang around. There's something called there's power in proximity, y'all. You're going to become like the people you hang around. One of the things my brother J.O. says, whatever you tune into, you turn into, y'all. Right? So I'm trying to tune into the things that I want. So I fly out there. We land there. We get inside of our Sprinters, me and my brothers from Earn Your Leisure, Troy and Rashad. We get in there. While we're driving, two-hour drive, Rashad was wheezing, coughing. I'm like, what's going on? Like, I'm sick. I don't know what it is. I just don't feel well. So we finally get to our log cabin. I get out. I'm coughing like, dog, I hope you didn't give me no cold. So we go in the crib. They say, yo, we're about to go to the town. We're about to go grab our hotel badges. There's something in Davos, Switzerland called a hotel badge, which is a necklace that you got to wear the entire time. Right. It's a necklace you got to wear an entire time. So people know that you're that that you're like you're approved, that you're good because you're walking around billionaires. They got to have some security protocol. So cool. We went to go get the hotel badges. They got theirs. I had some trouble getting mine. I went back, tried to get it again, went back, tried to get it again. So as the day progressed, I started to feel worse and worse. I'm like, yo, guys, I'm gonna go ahead and get mine. I'm gonna go ahead and go back to the room. Hopefully I'll feel better. Y'all coming back. They said, no, we'll just stay. So the very first thing I thought about, well, now that I think about it, everybody said push through. Success, I've learned, is not convenient. Like the things that you truly want, it will not be easy. Some of these decisions will be hard. Some of these decisions will be challenging. But guess what? Rashad was sicker than me and he decided to stay out. I said, I'm going to go try to get my badge one more time. And I said, no, scratch that. I'll go get it tomorrow. Biggest mistake I made is the word tomorrow. So. They end up coming in the room. The end of the night, I'm like, yo, how was it? They said, it was pretty lit. We met this person. We did this. It was cool. I said, great. So I decided to go to sleep. Throughout the night, y'all, I'm sick as a dog. I'm sweating. I'm like, you know what? I'm feeling so bad. I think I'm about to go back home. I wake up, get a call. Get a knock on my room. What's good? They said, we're about to go over to Davos real quick. We just got a call from Robert Smith's team. He want to meet us for lunch. I said, who? Robert Smith. For those who don't know, Robert Smith is the richest man in American history. He's a billionaire worth $8.4 billion. And I was about to have an opportunity to go meet with him with them. I said, yep. All of a sudden, your boy just started feeling better. Like, I don't know about y'all, but I felt better out of nowhere. So I said, bet. We're going to go. So we go there, we go check him out. He's speaking at this event. We caught the last five minutes. And he said, I got about 90 minutes right now and I could go in and spend time with you guys. Let's go in and do a lunch. Let's go in and build. They said they was like, yo, can my guy come? Of course. Yo, I'm cheesing air to air. So as they're saying this, I'm like, bet. We ended up leaving. We ended up going to this location. It's this big like barricade to walk in. You got security all there. So we're walking. Robert Smith walked through pool. His man walked through. Cool. Troy walked through. Cool. Rashad walked through. Cool. I came through to walk through. Stop. Like, sir, I'm with them. Where's your hotel badge? I said, I'm going to go get it right after this meeting. I got to go with them. No, you're going to go get it now. No, sir, I cannot miss this meeting. I got to go in here now. No, you need your hotel badge. I said, all right, cool. I'm going to go get it. Robert Smith said this, y'all rolling with a rookie? So I runs back to go get the badge. I'm talking about I run, y'all. Snow and everything. It's crazy. I finally get there. I had the bus in front of 300 people to get there. Finally get my badge. Runs all the way back. Make it back there, right? Get back there. They're like, yo, the meeting over. I'm like, what? But they said, yo, this was one of the greatest meetings we ever had. Like, the game that he gave us during this lunchtime, it was crazy. Like, it was so impactful. He said he'll try to get up with us again at some point in time. In my mind, I'm cheesing. Like, that's what's up, y'all. In my stomach, my stomach twisted and not, like, my stomach doing all type of flips. And, like, I'm just so upset because. Guess what would have happened? If I would have took my mentor, ET, says you got to take advantage of an opportunity in a lifetime during a lifetime of opportunity. If I would have did this a lot sooner, I would have been in a much better position. But I decided to wait. Somebody say, chat, say don't wait. So fast forward, next two days, y'all, I'm just really upset with myself. I'm walking around like everything good, but I'm pissed because all I could think about was the opportunity. One of the biggest things in life that we got to start taking advantage of y'all is opportunities. biggest advantage we got to take advantage of his opportunities so two days go by we ended up going to a event as i'm walking into a hallway walking into the building a man walked by he comes around the corner another man comes around the corner a third man comes around the corner and y'all know who the third man was it was robert smith i'm looking back at troy and rashad like yo bro he's he's here yo yo you do you see him like yo he's here Like at this moment, yo, I'm in so much excitement that, yo, this guy is, is him. He walks up to us. What's up, fellas? He said, listen, man, we got to go to add a little, we got to add more diversity out here, man. I want to go to do a few activations. This is what we're going to do. Troy, I want you to do this. Rashad, I want you to do this. My man, I want you to do this. I want you to do this. We're going to get this sponsorship. We're going to talk to Wells Fargo. We're going to set this up. We're going to set that up. We're going to do this. We're going to do that. All right, guys, done. I'll see you guys soon. We spent about 60. 90 seconds with him. My mind was spinning in that moment because all I could really think about was like, yo, if this man gave us this amount of information in 60 seconds, what did he give him for a 90-minute lunch meeting, right? So in that moment, I learned one of the most incredible things that I could learn in my life, y'all. And this is one of my lessons from a billionaire. And I'm writing a new book from things that I learned in my life. mistakes and things I learned from millionaires. And this will be, excuse me, I only learned from one other billionaire, that's Grant Cardone, but I never learned from a black billionaire who's the richest African-American in the world. So what I've learned in that moment, I'll be listing this in my book and I want you guys to make sure you don't miss this. This don't go over your head. My camera's running. Okay, cool. What I've learned, right? He sat there in 60 seconds, y'all. He was able to plan out an entire event, talk about sponsorships, do all of this. If I would have tried to go do that, it would have probably took me anywhere between seven years to 15 years to go figure it out, figure out who I need to talk to, figure out how to go get the room, figure out all of these things, y'all. And I've learned in that moment, the only thing that I now focus on, the only thing that you all need to be focusing on, and I learned in that moment was only thing I'm focusing on is who, not how. I want y'all to pick up that book. So in everything that I now do in my life, I stopped trying to figure out the how and I only figure out the who. Because if I figure out the who, I now had the how. So in everything that I do from relationship coaching to money coaching to all these things, I don't need to learn everything about the tax code because I got somebody who knows everything about the tax code. And they can literally inform and show me everything I need to know. I went from paying hundreds and hundreds of thousands in taxes to now I'm paying less in taxes because now I have the who. So the thing that alive you is the reason why so many of us making so many mistakes because you keep trying to figure it out on your own. You keep trying to figure out the how and the only thing you need to focus on is the who. So when the coach came down in my life, I figured out. I found the who when it's now time to get grants. I found the who when it's time to get business credit. I found the who when it's time to actually blow this nonprofit up and really go get the millions that we deserve for the work that we do in the community. So the number one thing I need you to write down in anything that you're doing, the only thing you need to focus on is the who, because if they are extremely good at the who, they already got the how. So now my focus in every area of my life, who is the best? Who is the best that could help me with my relationship? Who is the best that can help me with money management? Who is the best that can help me with taxes? And I pay them whatever they want because I know paying them whatever they want is going to save me a heartache. It's going to save me a headache. It's going to save me spending a block. It's going to save me on the biggest mistakes. It's going to save me on trying to bump my head because they had the fast pass. They already went through all the mistakes. So my question to you guys is not a question. anytime you're looking to get something, just go to the hook. And Benjamin said it. It's so simple, Benjamin, but for some reason, we still go try to figure out it on our own. And what we do, we bump our head. What we do, we keep bumping our head. And we keep bumping our head. And we keep bumping our head. And we wonder why we aren't reaching the level of success that we can reach because every time it's time for you to get to the next level, you start contemplating if you should do it. And I want you all to write this down. In this season in your life, write it down. What are you willing to give up in order to go up? What decisions are you willing to take today that's going to better your life tomorrow? And I need you to understand some of the decisions that you're going to take, whether it's joining the Coach K program, whether it's buying your first house, whether it's starting your first business, nothing that is going to be worthwhile is going to be easy for you. Nothing that's going to be worthwhile is going to be sweet. Yo, I'm so happy to tell you guys our company was able to generate eight figures. It was hard. We got people quitting every month. We failing, we making bad mistakes. We losing money on certain deals. But guess what? That's not going to stop me from keep going. Do you guys understand, y'all? Some of the hardest things in my, like some of the hardest things, like some of the, like, I don't want to get on a roll. I got on a roll two days after my daughter, two days after my child was born to go to a conference so I can learn. Next thing, write it down. The only thing y'all should be focusing on, write down my wealth formula, is N-I plus E equals W. N-I plus E equals W. Nehemiah, what this mean? The only thing you guys should be focusing on in this season of your life. is new information because all the old information has gotten us to where we are. One of the things my brother, my client, my friend, my pastor says, Darius Daniels says, he says, whoever has your heir has your life. Excuse me, whoever has your heir has your future. Pardon me. What does that mean? where whoever is now getting access to your error, they had the ability to transform your future. And when he said that, one of the things I took note was whoever has had your error in the past also has your future. You are exactly where you are right now based on whoever had your error in the past. But now you have an opportunity to change that. Now I got the opportunity to learn everything I can about grants. I got the opportunity to become a grant writer. I got the opportunity to learn how to get business credit. I got the opportunity to learn how to scale my businesses. Why? Because now I'm letting only the right people get into my area. I'm letting only the right information seep down in my mindset. I'm letting only the right information get me to where I gotta go. And I'm eliminating everybody who don't belong. Another reason, another story while I was in Davos, I met a guy by the name of Ryan Bresso, the youngest self-made billionaire. And in this season, I want y'all to write down, what does this season call for you right now? I met him, Troy was like, yo, you don't know his story, Ryan, you mind sharing it? For a year straight, he locked. this stuff in the room he worked on his business 16 to 18 hours every single day he got something called love.com love.org or something he is now a multi-billionaire youngest self-made and he said guess what man my mom i wasn't able to talk to my mom during that year i wasn't able to go out with friends during that year i wasn't but guess what i locked in so i don't know what season y'all in your life but this is the season that you start locking in this is the season you start doing work This is the season you start going in. This is the season you give it everything that you got. Because if not now, when? How long are you going to keep saying tomorrow? How long are you going to keep saying next time? And next time never comes, I can assure you, y'all. How long are you going to keep saying, I'm going to do it next time? I don't got time to share with you guys, but I almost lost my mom. Thank God she's here. Every single day, my mom living her life to her full abundance. Every single day, my mom. doing whatever it is she desires. Every single day, my mom giving everything that she got because she got so close to death and she realized, you know what? I got to start living. Some of you need something negative got to happen for you to finally say you need to tap in. Don't wait until something happens for you to finally say I need to work on my goals and my dreams. Don't wait for something negative to happen to finally say I got to get life insurance. Don't wait. Like we got to become proactive and not reactive. We got to start working on this business now and not later. Don't wait to figure out what's happening with a president or this for you to say I need to start a business, yo. No one's going to come save you. You got to save yourself. So my challenge for y'all is it's time to get active. It's time to start doing things scared. It's time to start doing things that are hard right now. It's time to start doing things that challenge you right now. It's time to start doing things that push you to a new comfort zone. It's time to start getting around people who are sharpening you and inspiring you. It's time to start getting around more winners. It's time to start getting coached in every area of your life. It's time to start. Only digesting content in your brain that is helping you grow. It's time to audit who are you listening to. One of the things my brother, J.O., says, whatever you tune into, you turn into. Whatever entertains you, trains you. I'm tuned into Coach K. I'm getting entertained by Coach K. Why? Because she got the blueprint to help you get to the next level. So, Coach, you can come on up. I appreciate you. And I'm super excited for everybody here. And I want to share the story with you guys. Not story. I want y'all to know this. One of my favorite entrepreneurs in the world, he's now been dead. And I want to get an exact date. I don't have somebody Google this for me later. But one of my favorite entrepreneurs, y'all, he's been dead about 25 to 30 years. And his kids and his family members, since he died over 25 to 30 years, have... He has been on a Forbes list. So his kids and family have been number 15, 16, 17, literally almost for the last 20, since he died. Like they might have was a higher number at some point, but they have not been off their Forbes list. Do anybody could take a guess who this man is? Benjamin, you said it, Sam Walton. He made a decision. I'm going to leave my family in the best possible position. I'm creating a legacy for my family. I'm going to do all the work. And then in turn, we got another billionaire, not my favorite, another billionaire, but his name is Bernard Arnault. He's never been on a Forbes list, not top 10 ever that I know of until the last five years. And he was number one on a Forbes list, number one over Bill Gates, over Warren Buffett, over Zuckerberg. Can anybody guess what his name is? And for those who don't know, his name is Bernard Arnault. And for those like Nehemiah, who is Bernard Arnault? Bernard Arnault owns Louis Vuitton, which is LVMH. He owns Dior. He owns Hennessy. He owns Moet. He owns Savage Fenty. Why? We made him the wealthiest person in the world. Why? Because we care more about stuff than our legacy. We put more money on our head than in our head, more money on our body than in our body. So every time... You'd be like, yo, why ain't I getting to the next level? Because you had an opportunity to invest in yourself and get more information, but you opted to the Beyonce concert. You had an option to learn more about the game that Coach K is giving, but you rather went to a game. We know more about LeBron's stats than our own stats. And we wonder why. Yo, why ain't I leveling up? Why ain't I getting to the next game? Why? Why? Because every time you can get to the next lane, you decide to opt into something that don't help you get to the next level. Somebody in the chat said this season is about me, y'all. This season, you got to get selfish. This season, you got to be willing to do what other people won't do. This season, you got to be willing to give things up. I tell people all the time, my sister Raven said this over 10 years ago to me. She said, what are you willing to give up in order to go up? I want y'all to write that down. I'm going to leave y'all on a note. What are you willing to give up in order to go up? Coach, I'm so excited about what you're doing for everybody here. So excited what you're doing for me. I don't know. I may be jumping the gun for this, Coach. I got to go, but I want to go ahead and bless your people, coach. So I know you got a mastermind. I know you have an opportunity to work with you, but it's something that I love. It's called success, love, speed. It's something called first mover's advantage. The first five people that pay in full to join your mastermind, I want to go in and gift them my $5,000 event space program. So your first five people, I want to go ahead and gift them my $5,000 event space program. I also want to give your first five people an invite to my next private event at my house. So I want to put them in a room with those seven-figure earners, the eight-figure earners, the nine-figure earners, because I understand the power of proximity. I understand what happens when you get around a group of people who are sharpening you and smartening you. What I come to learn is a lot of you are extremely good at what you do, but a lot of people don't know what you do. That's the issue. You're best kept secret. But a lot of you are the smartest person in your circle. So it's not a circle, it's a cage. If you go in a room and you the big dog, you in the wrong room. So I wanted to put you in a room where you around people are crushing it in all these different areas. You crushing it, what you do, but I want you to get around more people that's playing it at such a high level that it forces you to level up. It forces you to, the house that y'all gonna come experience this with is a $4.1 million mansion. I don't even live in y'all. I had it for over a year and a half now. Listen to me. The connections and the things that come in that room, I would have never believed I could have it if I hadn't seen some of my habit already. I don't want y'all to miss that. So, Coach, I want to bless your people. I got to go now. But you let me know who that is, your first five people that join your program in full, my event space program, as well as they're going to come to that event. I believe you're going to be at one of the next events anyway. So they're going to come hang with you. They're going to come hang with me. And they're going to come hang with everybody in the room. And a lot of people will be like, yo, what would it cost to get in this room? You can't pay. But if it was a price point, I would say about $10,000 minimum for you to come party, come kick it. And excuse me, y'all, no ditty stuff will be going on. I just want to clear. I want to, I want to, hey, hey, hey, hey, how you say it? I, I don't get it. I don't know how you say your name, but obey, obey him. I know you like, oh God, I just want to clear it up before y'all come. I ain't nothing, no. funny business go down at our location. So I just want y'all to know that. I got to clear my name because y'all said, what? Party, $4 million home. It's going to be 20 cars outside, about 10 million worth of cars sitting out. Ain't nothing funny going on. But coach, I appreciate you. I'm excited for you. And I just want to say congratulations in advance. I want to know in the chat, how many people know you joined in this program? I want to know how many people in the chat know you are the one. I paid this guy, Ed, my let to come to my event, Coach K. We paid him $80,000. And I want everybody to pick up his book. It's called The Power of One. And he talks about every now and again, Coach, there's somebody... That comes up every four or five generations. There's somebody that say, you know what? Enough is enough. I'm going to do everything in my power to make sure my family is straight. I'm going to sacrifice. I'm going to spend whatever it costs to get there. I'm going to sacrifice. I'm going to get the life insurance. I'm going to get everything I need to make sure my family is straight. And then normally that person is remembered. Sam Walton is remembered right now. Coach K will be remembered right now. Randy and Demi will be remembered. Obeah will be remembered. Tyra K will be remembered. Krista Riley will be remembered. Marie will be remembered. Dr. Sam will be remembered. Anna will be remembered. Benson will be remembered. Dinah will be remembered. Because y'all made a decision. I'm going to bet on myself and make sure my family good. I'm not just talking about it, but I'm going to be about it. So, Coach, with that being said, sister, I love you. I'll catch you on the next go-round, y'all. Peace out. Thank you, Neo. All right, guys. I need some energy in the chat. I need some. energy in the chat. Did I over deliver? Did I over deliver with Neo coming in, you guys? I need some energy in the chat because as always, anytime Neo speaks, it just moves me. I love hearing Neo speak. So listen, Michael, you here with us? Always. Okay, there we go. There we go. I couldn't see you. I couldn't find you. I'm excited, you guys. Listen, if you... are ready to learn more, you still have a couple of minutes before we move into the next room. I think we got to get straight into the next room on how you can work with me, how you can learn about grant strategies on a different level, how you can get access to this funding opportunities and just the thousand subscribers in our community is amazing. But if you want a more intimate setting and just learn this information in this strategy, just on a whole nother level, I want to work with you. I want you, I want to be your who, right? I want to be the person that helps you scale your business to the next level, help you write the grants that you've been seeking, and to help you apply for the grant opportunity. So we're going to dive into the next room. You'll be able to learn more about this opportunity, but you have to apply. So you still can apply. Hit apply with Coach K to get access to go work into the, work in, get access to the next room, sorry, and come learn about this strategy. and how we can work together, get access to Neo's program, and then get access to come hang out with us in Atlanta. He goes all out for his events, y'all. It's crazy. So, and I'm just excited to meet you guys in the next room. Let's go. Yep. So I'll just summarize everything Coach said. So click the link if you haven't applied. If you did apply, you got approved, everything. Check your email. Check your email for the link to join the call we're hopping into. We're closing this down. And we're going immediately into the next steps called to share what it takes to join the academy and join ultimately Coach K's Inner Circle program. So this is for those of you all that want to, you know, become a Coach K certified grant writer. You want to come mastermind with us at another event in Atlanta. You want to spend some time getting deeper coaching. It's an amazing program. We've taken a lot of time to build it and I'm excited for you all to experience it. But it starts with apply with coachk.com. So whether you're in Zoom, Whether you're in YouTube, go ahead and do so. If you applied and you're going to be in the next room, just comment the word applied in the chat. If you're working on your application right now, just put working on it in the chat so I can give a shout out to those. All right. Anna has. All right. Anna says applied. Nate applied. All right. Well, so we are going to take a three minute break. Don't you guys don't go anywhere. Just go click that link. Go into the room. Wait in the waiting room for like two minutes and we'll let you back in. So coach, we'll close this down. And then you can go ahead and start the other room and me and you can get adjusted and get all the settings right in Zoom. And then we'll start in just a few minutes. Okay, y'all. All right. See y'all in the next room.