WEBVTT
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00:00:00.800Oh.
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00:00:03.200We're not doing that.
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00:00:04.000Get on over here.
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00:00:05.360Get on over here, y'all.
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00:00:07.440We're live, we're live right now.
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00:00:08.960So go on there, share.
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00:00:10.720Get on your phone and share.
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00:00:14.640We got a heck of a topic for you guys today, like we do every week.
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00:00:15.439You know what I'm saying?
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00:00:16.559But we're gonna get this started.
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00:00:17.199You know what I'm saying?
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00:00:18.320We ain't gonna wait like we usually do.
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00:00:21.440We usually wait for y'all to come in, but we ain't got time for that today.
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00:00:28.239We need y'all to go on here and just share and then uh like, comment, subscribe, subscribe.
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00:00:29.600There we go on YouTube.
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00:00:31.199We're live on YouTube as well.
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00:00:39.359So if you can't see us good on Facebook, go to YouTube, you know what I mean, and subscribe, and then you'll get all the notifications as to when we're on.
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00:00:40.960All right, that's what's up.
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00:00:44.560We about to get it started in 503.
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00:00:46.399Oh, okay.
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00:00:52.320We ready?
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00:00:54.960I am not sure.
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00:00:57.520Let's go, let's go, let's go.
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00:01:02.000Hey, hey, what you got, Lost G?
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00:01:03.600Oh, what you got, LG?
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00:01:04.799What you got?
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00:01:11.359Oh my god.
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00:01:13.840What's up, what's up, what's up?
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00:01:17.040Welcome to Reezes, y'all.
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00:01:18.879We appreciate you guys tapping in.
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00:01:20.560And you know what time it is.
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00:01:25.359You know, we every Thursday at 7 p.m., we're here doing our thing.
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00:01:26.959You know it's six o'clock, right?
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00:01:28.400You know it's six o'clock.
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00:01:29.439Oh, yeah, six o'clock.
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00:01:30.239Yeah, okay.
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00:01:33.359Uh it wasn't it wasn't a daylight saving time or nothing going on?
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00:01:34.319I don't think so.
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00:01:36.719It's been six o'clock for weeks now.
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00:01:37.680It's fine.
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00:01:38.480I know, I know.
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00:01:41.120You know, I every time I start, you know, I don't know why.
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00:01:46.319Every time I start, as long as I've been doing this, I get a little uh jittery or nervous or I don't know.
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00:01:48.400And I've been doing this for how long, right?
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00:01:48.959For a while.
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00:01:50.319I don't, I don't, I don't know.
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00:01:51.920Yeah, I don't know what's happening right now.
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00:01:53.359Is that my phone?
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00:01:54.879I hear sounds.
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00:01:56.640Is that your phone or my phone?
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00:01:57.359I don't know.
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00:01:58.640Is it your phone or my phone?
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00:02:00.400Like, do you hear voices in your head?
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00:02:01.439No, no, no, no.
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00:02:05.760Anyway, y'all inspired them, y'all know what time it is, right?
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00:02:11.759Get ready for a conversation that matters, the stories that inspire and the reasons that's behind it all.
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00:02:18.240It's reasons, y'all, where meet purpose, where we meet purpose, and every voice has a story worth hearing.
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00:02:28.319We have a special guest on here today, you guys, that's gonna be coming on here and talking about, because we, as y'all see in the title, how money stress affects our nervous system.
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00:02:33.520And we're gonna talk about, we have a guest in this kind of probably help us with that.
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00:02:34.240You know what I'm saying?
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00:02:40.000So this is your boy Fuel, and we got our girl post G is in the house, y'all.
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00:02:45.759Yo yo, yo, yo yo, yo yo.
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00:02:49.520Kind of how I feel right now, like a little bit of a little yo-yo.
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00:02:50.719Yeah, a little yo-yo.
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00:02:52.159You know who yo-yo is?
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00:02:53.360A rapper?
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00:02:54.960No, I know you don't know.
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00:02:59.919No, anyway, man.
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00:03:01.360So we're gonna get into this.
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00:03:02.240We're gonna get into this.
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00:03:02.639I know.
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00:03:04.159I'm I'm I'm through playing for the day.
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00:03:04.719Are you?
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00:03:05.919No, not really.
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00:03:07.439No, I don't think so.
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00:03:10.000But let's get into the topic.
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00:03:18.719I mean, because we're talking about, like I said, how money stress, especially when it comes to relationship and how it affects us, you know, mentally.
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00:03:24.080You know, myself, I've been in those situations, you know.
00:03:24.240 -->
00:03:26.719I'm trying to think of what kind of scenario do I want to.
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00:03:30.719Do we want to bring up scenarios now, or we want to know where you're going?
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00:03:32.400I don't know where you're going today.
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00:03:33.840I'm taking your lead.
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00:03:34.159Go ahead.
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00:03:35.280All right, let's go, let's go.
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00:03:38.879You take my lead, then you just get to sit there quietly for the next day.
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00:03:39.360There you go.
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00:03:39.919Yeah, yeah, yeah.
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00:03:47.680All right, so money is a weird thing, right?
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00:03:53.199And when, you know, I think what we want to kind of tackle today is is a two-pronged approach.
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00:04:00.159And tell me if you're on the same page, probably not, because we usually are on opposite ends of the fighting ring.
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00:04:11.840But, you know, I'd love to talk about how it impacts people and and their stressors and their nervous system and their health and their relationship and those sorts of things, right?
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00:04:25.600And when we bring our guest on, really some very tangible things that one can do if they're having financial stressors that might alleviate some of that, right?
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00:04:33.040So we'll look at the psychological side of it and how our brains work around money, and then we'll talk to the man.
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00:04:35.199And that wouldn't be you today.
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00:04:37.839Uh you're not the yeah, yeah, yeah.
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00:04:40.800The man, the man with us today, you know, goes.
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00:04:44.480Well, let me let me uh that's I know, right?
00:04:44.560 -->
00:04:47.199I don't know what is wrong with me today.
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00:04:49.120I've got a list.
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00:04:50.639You want me to go and start telling you?
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00:04:51.600Uh no, that's what I'm saying.
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00:05:10.399But if you guys are sitting there and and y'all waiting, I mean, because we basically have someone that's going to be able to help us out when it comes to the whole credit situation, and when it comes to kind of releasing relieving a little stress when it comes to it, you know.
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00:05:13.120And he's actually an expert, he's a credit expert.
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00:05:16.639They go by the name of Jason Vile, and he'll be joining us.
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00:05:19.680Is that his stage name or is that his actual name?
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00:05:20.720No, that's his name.
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00:05:23.279Well, you said he goes by the name of, I just thought maybe that was his stage name.
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00:05:26.079Well, uh no.
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00:05:27.439Okay, just checking.
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00:05:30.959That's that that's that's uh is that a black intro?
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00:05:32.240Maybe that was the book.
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00:05:33.519I don't know.
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00:05:34.160I don't know.
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00:05:35.839No, but it's Jason Vile.
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00:05:39.199He's a credit expert and a credit fixer, you know what I mean?
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00:05:42.959And um, he's got some real, real he's got even got a story for us, too.
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00:05:43.519You know what I mean?
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00:05:46.959So can't wait for the story, someone that we've always you know been through, you know.
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00:05:56.000Yeah, but money can't pay, can pay the bills, but it can also expose insecurity, control, resentment, secrets, and unequal power in relationships.
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00:06:01.920So I guess we want to start off with, at least I'm gonna start off with, you know.
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00:06:03.600Who put you in charge?
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00:06:04.800Okay, well, you start off.
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00:06:05.680No, go ahead.
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00:06:28.160I'm gonna start off with I think that that a lot of people, you know, when first, especially when first getting together, ignore uh the money part up until uh you get serious.
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00:06:29.680You know what I mean?
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00:06:38.720Like the fun, the the starting off the dating and everything is is cool and and fine, and you know, you get paid on your payday, so you can go ahead and go out or whatever, you know what I'm saying?
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00:06:50.639And then the other person, you know, it's there there's but when it comes to really understanding each other's finances, it really doesn't happen mostly until it's a together thing.
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00:06:59.439And so for and for some parts, and I'm and I'm gonna say me and you guys are you know, we're probably guilty of it more than art than women, I would say.
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00:07:00.000I don't know.
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00:07:06.800You might you know say different, but you know, I think most of the times when you get a man and a woman together, who's got the better credit?
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00:07:08.160Usually the woman.
00:07:08.319 -->
00:07:09.040You know what I mean?
00:07:09.199 -->
00:07:09.920Well, yeah.
00:07:10.079 -->
00:07:12.959Oh well, see, I shouldn't even I shouldn't even help her out there.
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00:07:16.639It is, it is usually the woman or whatever.
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00:07:36.399But the one thing I think that that, and I'm gonna say the women make the mistake of is not because if that's if that's a real issue or if that's a real conversation that you may have the to feel fulfill your uh uh your needs in the relationship to to make it grow, money, right?
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00:07:37.120You know what I'm saying?
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00:07:44.000You want to know those things earlier, you know, not to the point where you're trying to see how much somebody got so you can, you know, you know what I mean.
00:07:44.079 -->
00:07:54.160There's different ways of of of of you know, because you got gold diggers, you got, you know, once you be the baby daddy, you know, not baby daddy, uh, what do you call sugar daddy type of thing or whatever?
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00:08:01.600So you're trying to see what, you know, that's the early, you know, facades that they basically use to, you know, try to find out what your finances are.
00:08:01.759 -->
00:08:16.079But I'm talking about in real relationships, and one considering to be in a real relationship, having those conversations kind of come up early so you can kind of at least see where you are, at least see where each other are, you know what I mean?
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00:08:32.000And what can be done, what could be fixed, or whatever, instead of especially for us men, you know, if I can't provide, you know, going out all the time, and she can, you know, and she wants to go out or whatever, but then she's paying.
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00:08:34.080To me, I I feel more guilty.
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00:08:39.279I feel more like, damn, I don't want my girl paying every time I go out, every time we go out.
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00:08:40.080You know what I'm saying?
00:08:40.159 -->
00:08:42.399I want to be able to do that or whatever.
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00:08:46.480So, you know, a man could be stressed out behind that, you know.
00:08:46.639 -->
00:08:48.879I don't and I don't know if some women understand that.
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00:08:55.679Some women don't understand, but some women is more like if I got it, you got it, or we, you know, that type of thing.
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00:09:05.759That's fine to have that mentality and that that that understanding, but for us men, it's still kind of like we gotta have our own.
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00:09:21.519We try to, you know, want to stand on our own to the point where not to say, oh, I gotta make more than you in order to, you know, make this relationship grow or whatever, but I still want to be somewhere equal or somewhere close, you know what I mean?
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00:09:27.279To the point where you're comfortable understanding that I got mines, you have yours.
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00:09:28.559Does that make sense?
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00:09:29.200It makes sense.
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00:09:29.919Okay, all right.
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00:09:33.600So for me, y'all hear that.
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00:09:35.679I mean, no, it makes sense, right?
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00:09:46.879And and and I would say that we are talking about if we rewind tape way back to, you know, little fuel, right?
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00:09:56.960And the messages that you got around money and and masculinity and what a man is supposed to do, and what makes him, you know, what all the things, right?
00:09:57.200 -->
00:10:05.200That all adds to that mindset of I want to kind of be equal, right?
00:10:05.360 -->
00:10:14.080Not everybody thinks that, obviously, because otherwise we wouldn't have to your you know, your point, like people who are gold diggers and that sort of thing, either either direction, right?
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00:10:14.960Men or women.
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00:10:20.799So it's just fascinating because how we think about money is so different.
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00:10:21.279Yeah.
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00:10:22.639We all all of us, right?
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00:10:27.600Yes, and a lot of that comes from what did you learn about money growing up?
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00:10:35.600How did you see money being spent, saved, abused, used, you know, given away, like all the things.
00:10:36.399 -->
00:10:42.320So it's it's fascinating because we didn't live in the same household, so obviously we have different experiences, right?
00:10:42.879 -->
00:10:50.000And so that's kind of where it starts, is and then we have to decide does that, as we get older, right, does that make sense for us?
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00:11:09.039Is that kind of money mindset that's been programmed into us really how I want to live my life, or am I doing it from a place of habit or fear or scarcity, or you know, to show off or whatever, right?
00:11:09.519 -->
00:11:22.240So, and when we're talking about couples, I find it fascinating that and this kind of ties into your money mindset, is that one of the predic one of the highest reasons that people get divorced are financial issues, right?
00:11:22.639 -->
00:11:28.720And it's less about the number, like rich or poor, doesn't really matter.
00:11:28.879 -->
00:11:34.080It's less about the number and more about how do we talk about it, how do we think about money?
00:11:34.240 -->
00:11:35.679Are we on the same page?
00:11:35.919 -->
00:11:38.799It's more that than the actual number.
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00:12:01.519So it's is it is it more because I mean some people or most arguments in a relationship is because one either makes less than the other, or the say, for instance, if the woman wants, you know, if the women make more or whatever, you know, are they the ones, you know, gonna be the you know, considered the head of the household?
00:12:01.919 -->
00:12:02.799You know what I mean?
00:12:03.039 -->
00:12:07.679Or is the man still the head of the household, being that he's still maybe not making as much?
00:12:07.919 -->
00:12:11.840Well, can the man be the head of the household and not make as much as the woman?
00:12:12.080 -->
00:12:13.919Okay, I think we need to define what that means.
00:12:14.000 -->
00:12:16.639You know how I am about like what does that mean to be the head of the household?
00:12:16.879 -->
00:12:18.000What the head of the household means.
00:12:18.159 -->
00:12:18.639What does that mean?
00:12:18.879 -->
00:12:20.879Means that that that he runs shit.
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00:12:31.519No, because a no.
00:12:31.600 -->
00:12:32.480Well, I'm not.
00:12:32.879 -->
00:12:34.240I'm just saying, but then again, we're back.
00:12:34.639 -->
00:12:36.639But does that step on his masculinity, though?
00:12:36.799 -->
00:12:37.440You know what I'm saying?
00:12:37.600 -->
00:12:44.080If he's not the head of the household, as we say the man should be the head of the household, and being the fact that he doesn't know who says that.
00:12:44.240 -->
00:12:46.799Well, that's what you know that's what you grew up believing, basically.
00:12:47.279 -->
00:12:48.879Right, yes, but not everybody does, right?
00:12:48.960 -->
00:12:50.320And so that's kind of the point, right?
00:12:50.720 -->
00:13:00.399So again, that's an individual conversation that you need to have with your significant other to see if you can, you know, flip burgers at McDonald's and still be the head of the household.
00:13:00.480 -->
00:13:00.879I don't know.
00:13:00.960 -->
00:13:03.440Like that's that's a you that's a you thing.
00:13:03.600 -->
00:13:04.080I don't know.
00:13:04.320 -->
00:13:08.480I mean, but well, I'm just I'm just saying is is is okay.
00:13:08.559 -->
00:13:10.159Well, maybe I'll just maybe I don't.
00:13:11.120 -->
00:13:13.120In your perspective, yeah.
00:13:13.360 -->
00:13:22.240Okay, if you if your husband made more than you, I mean no, made less than you, would he or we not be at a head of the household?
00:13:22.639 -->
00:13:25.120Well, I don't really have a head of the household in my house.
00:13:25.279 -->
00:13:28.879We just we're a team, so there's no Oh wait, good out.
00:13:29.440 -->
00:13:30.559I mean, but it's serious, just kidding.
00:13:30.720 -->
00:13:33.360It's it's it's because it's how it doesn't ebbs and flows, right?
00:13:33.440 -->
00:13:44.639Like sometimes he made he's made more and I've made more, and you know, I mean, it just you know, I get a promotion, he doesn't get a promotion, and then you know, so that we don't really look at that.
00:13:44.799 -->
00:13:48.879It's really just a a bucket of money, and how do we want to spend it?
00:13:48.960 -->
00:13:50.080But that's that's for us.
00:13:50.399 -->
00:14:02.639So when y'all, when y'all, when y'all started off, y'all started off as a team, basically, too, because I'm sure one probably made more than the other to the point where that part wasn't the issue, is what you're saying.
00:14:02.960 -->
00:14:04.799Well, when we met, we were pretty close in salary.
00:14:04.879 -->
00:14:09.120So, like, I mean, we didn't sit down the first date and say, like, well, so what does your paycheck look like?
00:14:09.440 -->
00:14:18.240Um, but we we both work for the same company, so we kind of knew the ballpark of the ballpark of what those positions paid.
00:14:18.320 -->
00:14:20.559So um it was it was pretty close.
00:14:20.879 -->
00:14:33.919So do you have do you have friends that that basically have their situations though, to the point where one is making the other and the one feel like they're more of the the boss or more of the running the the the relationship type of thing?
00:14:34.320 -->
00:14:35.120I've seen it.
00:14:35.200 -->
00:14:39.600I don't think that any I don't I can't pinpoint any of my friends that are like that.
00:14:39.840 -->
00:14:43.840You know, I mean I think as you grow older, grow up, right?
00:14:44.000 -->
00:14:48.879You start looking at things a little bit differently than when you're you're younger.
00:14:49.120 -->
00:14:52.960So since I'm a grown-up Y'all I'm a grown-up.
00:14:53.279 -->
00:14:53.919Yeah.
00:14:54.240 -->
00:14:56.799Um, you know, my friends are a little bit more mature.
00:14:56.879 -->
00:15:00.879And if they're if they're like that, they're not presenting that to the public, right?
00:15:00.960 -->
00:15:02.720That's behind closed doors kind of thing.
00:15:02.879 -->
00:15:05.519But I have seen it in in my practice for sure.
00:15:06.240 -->
00:15:11.200But so getting back to your question when you said, is it about isn't it not about the number?
00:15:12.240 -->
00:15:30.879I would offer that it's not about the number, that it's about do I feel safe enough with you to feel like you're gonna be there for me in the good times and the bad times, and that I don't need to protect myself in my own sort of way, right?
00:15:31.039 -->
00:15:33.200Whatever that looks like in terms of money.
00:15:33.600 -->
00:15:34.559So what do you think?
00:15:34.720 -->
00:15:35.519What do you think about that?
00:15:35.840 -->
00:15:37.600I mean, yeah, I mean, it makes sense.
00:15:37.840 -->
00:15:42.639It does make sense, of course, but does it actually really happen that way?
00:15:42.960 -->
00:15:59.120Does people actually and in the in the in the the the point of of this uh conversation is is to to have that conversation of you know having a basically an unbalanced relationship when it comes to money, you know what I mean?
00:15:59.279 -->
00:16:11.600And because people mainly break up because of money, you know, because of, you know, either either, say for instance, your significant other may have a certain lifestyle that they want.
00:16:12.720 -->
00:16:26.159They make it enough to do it for themselves, but maybe not for with both of you, and they want that person that they're with to be able to step up to the plate to to to continue that lifestyle with each other.
00:16:26.480 -->
00:16:38.159So that that person A has the lifestyle and they're paying for their lifestyle, and they want person B to also have that same pretty much so that so that it doesn't impact person A's lifestyle.
00:16:38.399 -->
00:16:39.039Right.
00:16:39.440 -->
00:16:39.759Okay.
00:16:42.240 -->
00:16:43.679I hate that for you, but okay.
00:16:44.080 -->
00:16:46.240For me for me.
00:16:46.799 -->
00:16:48.480I'm just putting it out there this how to do that.
00:16:48.720 -->
00:16:55.200I would say again, it goes back, this is this is less about math and more about feelings.
00:16:55.360 -->
00:17:04.559And I say that because you know, you had said something to me a few weeks back, you're and it was we were talking about I don't know what you're talking about.
00:17:04.640 -->
00:17:12.160What we were here, we were talking about something, and you had said, I want to feel like that person's gonna be there for me no matter what, right?
00:17:12.240 -->
00:17:14.319In good times and in bad times, right?
00:17:14.480 -->
00:17:18.480And so that is a that is a commitment, a feeling thing.
00:17:18.640 -->
00:17:21.920It's not about the dollar, how much the dollar is, right?
00:17:22.160 -->
00:17:34.319So I think from my perspective, it's always about how safe do I feel in this relationship, not, you know, am I and this is why money gets tricky, right?
00:17:34.400 -->
00:17:43.839Because if I don't feel safe, that you're gonna take care of me, you're gonna be there for me, or that vice versa, when I become famous, you know, see how I made myself famous?
00:17:44.240 -->
00:17:44.559See that?
00:17:44.720 -->
00:17:49.680Yeah, yeah, why you wouldn't say when you usually you always, you know, when you become famous.
00:17:49.839 -->
00:17:51.119Yeah, what yeah, anyway.
00:17:51.599 -->
00:17:53.599Yeah, yeah, I was just talking about anyway.
00:17:53.920 -->
00:18:04.319Um when I become famous, you know, you, if you were my partner, right, might be thinking, is she gonna ditch me when I'm when she's famous, right?
00:18:04.480 -->
00:18:05.920And so that's a safety issue.
00:18:06.000 -->
00:18:09.039That's a I don't feel safe in this relationship issue.
00:18:09.200 -->
00:18:10.640This is not a money issue.
00:18:11.440 -->
00:18:14.480Now, can we have financial issues problems together?
00:18:15.440 -->
00:18:17.200It actually works hand in hand to me.
00:18:17.279 -->
00:18:20.960I mean, it's both, you know, is it's well we do want to survive, right?
00:18:21.039 -->
00:18:26.559We do want to be able to like pay our bills and you know that that's also really nice.
00:18:26.880 -->
00:18:37.119But can one person feel okay living in a one-bedroom apartment while the other person doesn't feel okay with that?
00:18:37.279 -->
00:18:40.000They feel like they need a five-bedroom house.
00:18:40.799 -->
00:18:41.119Right?
00:18:41.200 -->
00:18:44.880We're both surviving, they're both paying rent or mortgage or blah blah blah.
00:18:45.039 -->
00:18:46.559So why is it that?
00:18:47.839 -->
00:18:58.559Because I I I think with with with us guys, I think they we're we're more on the mentality of is my woman gonna rock with me no matter what?
00:18:59.119 -->
00:19:01.759My woman is she's gonna she's gonna, you know what I'm saying?
00:19:01.839 -->
00:19:10.400If we can be on top one day and you know something happens financial, we get ripped off, blah, blah, blah, and we're down here.
00:19:10.640 -->
00:19:11.839Are you still with me?
00:19:11.920 -->
00:19:14.640Or are you gonna be like thank you for making my point?
00:19:14.720 -->
00:19:17.200Thank you for yeah, reinforcing my point.
00:19:17.440 -->
00:19:19.119Well, yeah, yeah, that's that's it, right?
00:19:19.200 -->
00:19:21.759Like, but that's not a money issue.
00:19:22.160 -->
00:19:23.279It is, it's still money.
00:19:23.440 -->
00:19:24.079Okay, let's take money out.
00:19:24.240 -->
00:19:25.039We're still talking about money.
00:19:25.359 -->
00:19:27.119But let's take money out of the equation for a minute.
00:19:27.359 -->
00:19:28.480No, that's what the show's about.
00:19:28.720 -->
00:19:32.319I know, but I just let's put that over here on the back burner for just a second.
00:19:33.920 -->
00:19:38.720And let's say it's about attention, right?
00:19:38.799 -->
00:19:44.480You get a job where you're now getting all this attention from maybe you know, the opposite sex or whatever.
00:19:44.880 -->
00:19:46.000I could feel the same thing.
00:19:46.079 -->
00:19:47.359Is he gonna be there for me?
00:19:48.319 -->
00:19:50.319It's a safety issue, right?
00:19:50.559 -->
00:19:53.680Now that he's got as opposed to it could be anything.
00:19:53.920 -->
00:19:55.599It's like, is this relationship safe?
00:19:55.759 -->
00:19:56.559Are we safe?
00:19:56.960 -->
00:20:01.440It happens to be that we're talking about money, uh, but it could be anything.
00:20:01.759 -->
00:20:30.559Well, yeah, it could be anything, but but but what I'm saying is cause of because relationships are broken up, broken up because about, I mean, because of money, you know, there's other, yes, underlying things that could be going, could have been going on or whatever, but when it comes to most relationships, just like during the especially during the pandemic, a lot of you know, people broke up because of money issues.
00:20:30.799 -->
00:20:32.720Well, and having to stay in the house for your significant thing.
00:20:33.039 -->
00:20:34.799And having yeah, and being around them, yeah.
00:20:34.880 -->
00:20:36.559So that it's both hand in hand.
00:20:36.640 -->
00:20:53.279That's why I say it kind of plays with both, you know, your emotions, your stress, your beh your attitude, all this stuff behind it plays a part, of course, but still the real core is would that would that same thing play a part if we had the money or not?
00:20:53.839 -->
00:20:55.359That's the question.
00:20:55.759 -->
00:20:57.839Well, that's a that's an excellent question, right?
00:20:57.920 -->
00:21:00.160It depends on how you think about money, right?
00:21:00.640 -->
00:21:02.240Or how they take or the opposite, yeah.
00:21:02.640 -->
00:21:11.440Thinks about money, because you could be a complete, like, you know what, and money isn't gonna make me feel like we're, you know, a team.
00:21:11.680 -->
00:21:28.400But then that but I'm saying is that the core argument because you know, you're having the attitude you're mad or whatever, or you're you know, having these these discussion, heated discussions with each other when it all really boiled down to because y'all not happy financially, y'all not together.
00:21:28.480 -->
00:21:29.119You know what I'm saying?
00:21:29.279 -->
00:21:32.640That's different if you're yeah, if you're right, you know what I mean.
00:21:32.799 -->
00:21:36.559So, and real quick before we uh go further, Trinity, what's up?
00:21:36.640 -->
00:21:38.160We appreciate you guys tapping in.
00:21:38.319 -->
00:21:39.279Hayden, what's up?
00:21:39.359 -->
00:21:39.759What's up?
00:21:39.920 -->
00:21:42.240Trinity says, Thank you for the podcast.
00:21:42.319 -->
00:21:43.200You're welcome.
00:21:43.680 -->
00:21:46.640Just continue to share and post, all that good stuff.
00:21:46.799 -->
00:21:48.559And then Hayden said, What are you doing?
00:21:48.640 -->
00:21:52.799We're talking, you see what we're talking about, how money stress affects your nervous system.
00:21:53.039 -->
00:21:54.559And Pam, what's up, Pam?
00:21:54.720 -->
00:21:55.519That's my aunt.
00:21:55.599 -->
00:21:56.160What's going on?
00:21:56.319 -->
00:21:57.920She says, let me put it up here.
00:21:58.079 -->
00:21:59.759She says, in today's economy.
00:22:00.400 -->
00:22:04.799Everybody's got to work and contribute to the family, even the kids.
00:22:05.279 -->
00:22:05.519Yeah.
00:22:05.759 -->
00:22:07.599Would you tell my kids that, please?
00:22:08.240 -->
00:22:08.880Just kidding.
00:22:08.960 -->
00:22:09.599No, they do.
00:22:10.240 -->
00:22:10.559Do they?
00:22:11.039 -->
00:22:11.359They do.
00:22:11.599 -->
00:22:11.920They do.
00:22:12.160 -->
00:22:12.799Yeah, they do.
00:22:13.039 -->
00:22:13.519That's good.
00:22:13.680 -->
00:22:14.640Not as much as I'd like.
00:22:14.720 -->
00:22:15.039Yeah, yeah.
00:22:15.200 -->
00:22:18.000I'd like to add some zeros to it, but yeah, whatever.
00:22:18.160 -->
00:22:18.559Yeah.
00:22:18.720 -->
00:22:21.359Well, I mean, so so that's what that's what I get.
00:22:21.519 -->
00:22:22.160I'm getting that.
00:22:22.240 -->
00:22:24.079The whole stress is underlying.
00:22:24.160 -->
00:22:27.359And then, and then it all falls to with our credit.
00:22:27.440 -->
00:22:28.160You know what I'm saying?
00:22:28.240 -->
00:22:32.400Because our credit sometimes keeps us from striving.
00:22:32.640 -->
00:22:33.200Sure, of course.
00:22:34.400 -->
00:22:35.279Keep us from striving.
00:22:35.440 -->
00:22:40.799You know, if my credit is bad, then I'm driving a hoop dee or you know, have to pay something for cash.
00:22:40.880 -->
00:22:42.240I'm not really happy.
00:22:42.480 -->
00:22:43.279You know what I mean?
00:22:43.440 -->
00:22:50.640Because I wasn't able to, you know, whatever problem it was, it cost me to be, you know, less than where I wanted to be.
00:22:50.880 -->
00:22:53.200Less, okay, that is the key piece right there, right?
00:22:53.359 -->
00:23:02.079Like less than where you want to be, which is your money mindset, how you feel about finances, how you feel about, but not everybody has that same threshold, right?
00:23:02.240 -->
00:23:12.079So you could have somebody that'd be like, I would much rather go to Starbucks every day and buy a muffin and a nice coffee than drive a nice car, which you know, if we did the math, it's probably about the same, right?
00:23:12.720 -->
00:23:21.839So it depends, and a lot of that comes from what was your experience growing up around money.
00:23:22.240 -->
00:23:30.160One of my favorite things that, well, it's not my favorite thing, but you know, I used to hear, and I'm sure a lot of you have heard growing up, money doesn't grow on trees.
00:23:30.400 -->
00:23:30.799Right.
00:23:30.960 -->
00:23:40.640Well, technically, I think technically, I think it can actually does because money's made out of paper, and paper is made out of trees, but you know, that's that's that's the whole thing.
00:23:40.880 -->
00:23:47.440But right, so when you hear those kinds of messages about money, and not everybody heard that, I'm sure.
00:23:47.599 -->
00:23:49.279I think that was part of our era.
00:23:49.519 -->
00:24:08.559Money hasn't grown trees, you you get a mindset that money is is scarce and hard to come by, and you know, you're not just gonna get it anywhere, and you know, and so those things impact how you think about money going forward, right?
00:24:09.359 -->
00:24:28.400Let's say you get together with a person who never heard that and money's not wasn't really ever a challenge, and not to say that they're uber wealthy, but they didn't really hear that money was hard to come by or you had to work really hard, or it doesn't just grow on the tree outside, you know, they're gonna have a different perspective about money coming in, right?
00:24:28.640 -->
00:24:30.960So it's different just basically on the upbringing.
00:24:31.200 -->
00:24:33.440Well, a lot of it sure is on the upbringing, right?
00:24:33.680 -->
00:24:37.519And I, you know, I really feel like how people do money is kind of how they do everything.
00:24:37.759 -->
00:24:45.359So if they're really conservative with money, they're probably really conservative with the way that they deal with their relationship.
00:24:45.680 -->
00:24:50.400If they're really like woo with money, they're probably like that in their relationship, right?
00:24:50.559 -->
00:24:54.079Because money is such a a thing that we grew up with, right?
00:24:54.160 -->
00:25:02.640We had to we learned from our family what is money and how should we treat money and how does money treat us and all the things, right?
00:25:03.039 -->
00:25:05.279So, how did you grow up with money?
00:25:05.920 -->
00:25:06.720How did I grow up?
00:25:07.039 -->
00:25:09.519I mean, your kind of like messages around money.
00:25:09.759 -->
00:25:10.240Well, you know what?
00:25:10.559 -->
00:25:19.839And that's the thing too, is is even though there's a lot of there's a lot of knowledge out there now as to how to save money, how to invest money, how to do all these things.
00:25:20.079 -->
00:25:23.279When I was growing up, I got none of that.
00:25:23.759 -->
00:25:28.319All I knew all I knew is you get the money, you save it, put it in a savings account.
00:25:28.480 -->
00:25:35.039If you can't put it in a savings account, you know, you're getting what you want, you just get what you want, you know, that type of thing or whatever, you know.
00:25:35.200 -->
00:25:41.119So I didn't really learn a lot of that until, you know, you know, got older.
00:25:41.519 -->
00:25:43.920I got older, you know, which I you know try to teach my.
00:25:48.160 -->
00:25:51.039She's about to anyhow.
00:25:52.319 -->
00:26:00.160Uh so you know, so yeah, so I I grew up or whatever, and not really understanding that, especially credit, you know.
00:26:00.319 -->
00:26:01.920I I was not understanding it.
00:26:02.079 -->
00:26:06.319I wasn't not thinking that how bad it could impact your life.
00:26:06.799 -->
00:26:07.599You know what I mean?
00:26:07.839 -->
00:26:20.319So even as I've gotten older or whatever, you know, I still had a mentality of uh let this go, and you know, and and and and if it shows one late, that's okay, you know what I'm saying?
00:26:20.559 -->
00:26:31.839That type of mentality when finding out that that's everything that that that cuts through, especially since I started selling cars and send other people credits, like this is what affects you, you know what I mean.
00:26:32.079 -->
00:26:39.920So, but for a long time during that, I was pretty much, you know, stressing just for that alone, you know.
00:26:40.079 -->
00:26:42.160So, you know, I feel like for the credits.
00:26:42.400 -->
00:26:43.839For the credit, yeah, for the credits, yeah.
00:26:43.920 -->
00:26:47.920So which really I think affect my relationships, you know what I'm saying?
00:26:48.160 -->
00:26:52.240Because, you know, I know I want to be at a certain point in a certain place or whatever.
00:26:52.319 -->
00:26:57.519And if I'm not there and making myself happy, how am I making whoever else happy?
00:26:57.680 -->
00:26:58.960You know, you feel what I'm saying?
00:26:59.039 -->
00:27:00.480You kind of understand where I'm coming at.
00:27:01.119 -->
00:27:01.759Yes.
00:27:02.079 -->
00:27:10.000And I want to rewind tape a little bit to your how to your how where do you think you got the messages around money, right?
00:27:10.079 -->
00:27:19.680Like, so you know, in my household there was always fight, there was always arguing about money.
00:27:19.759 -->
00:27:22.799So I understood that money equaled stress, right?
00:27:23.200 -->
00:27:27.759I I wouldn't say that we were I mean, we always ate, we had a roof over our head.
00:27:27.839 -->
00:27:37.519I don't think there was really a logical concern for me to worry about my my safety, even that from that perspective.
00:27:38.079 -->
00:28:02.160But but the but the conversations and the energy and the stress around money created you know, kind of a pattern in me that you if some if some if there's a bill that's due or whatever, right, and maybe we don't have enough money in the account today to pay it, then I would go into like how do I fix it mode.
00:28:02.319 -->
00:28:02.480Right.
00:28:02.640 -->
00:28:06.799Where other people could go into like hide under the desk mode, right?
00:28:07.759 -->
00:28:09.279But what were you taught young?
00:28:09.519 -->
00:28:12.160Well, you taught young how to save money, how to do it.
00:28:12.319 -->
00:28:13.920No, no, no, no, no, no.
00:28:14.079 -->
00:28:17.519All my messages growing up were just around money is stressful.
00:28:17.599 -->
00:28:17.759Yeah.
00:28:17.920 -->
00:28:18.079Right?
00:28:18.240 -->
00:28:19.119Money is stressful.
00:28:19.279 -->
00:28:30.400I mean, I remember we this is so silly, but when my parents would say, you know, we're gonna bring in dinner tonight, you know, or we're gonna have some, we're not gonna cook tonight, we're gonna bring in dinner.
00:28:30.720 -->
00:28:34.400And I would be like, wow, this is exciting.
00:28:34.559 -->
00:28:36.960And then bringing in dinner meant Taco Bell.
00:28:37.039 -->
00:28:37.680Yeah, right.
00:28:37.759 -->
00:28:39.759It didn't mean Taco Bell.
00:28:40.319 -->
00:28:40.640Sure.
00:28:41.920 -->
00:28:47.039You know, but I'm what I'm saying is like that's felt that was like, oh, we're doing something special.
00:28:47.359 -->
00:28:47.519Special.
00:28:47.680 -->
00:28:49.359That was something special, yeah, yeah, yeah, yeah.
00:28:49.759 -->
00:28:49.920Right.
00:28:50.079 -->
00:29:06.559And so, you know, not everybody had that same message, but when I have that kind of playing in my mind of like Taco Bell was special growing up, and now I look at Taco Bell and be like, right, right, you know, you can see how that can pattern into your thinking about money.
00:29:06.640 -->
00:29:07.119Yeah, right.
00:29:08.240 -->
00:29:12.640Of having something more or better, or whatever the case may be, or whatever the case may be, right?
00:29:12.799 -->
00:29:26.799Where if I thought, if I had a different message, if I didn't hear the fighting and if I didn't hear the stress about money, and if I didn't, you know, hear that Taco Bell was special and I didn't hear money always grows on trees, I might have a different mindset about money.
00:29:26.880 -->
00:29:28.960I might be like, ah, money's no big deal.
00:29:29.119 -->
00:29:30.000It comes and goes, right?
00:29:30.160 -->
00:29:36.720Like I wouldn't have this program in me that's like you gotta keep working hard, you gotta keep doing the things, right?
00:29:37.440 -->
00:29:40.160So that's my my upbringing.
00:29:40.319 -->
00:29:43.440So how do you how do you think you, what message did you get?
00:29:43.519 -->
00:29:47.440Not so much about the saving part, because I think that's that we all kind of got shortchanged on that.
00:29:47.759 -->
00:29:58.880No, the the the the the thing uh the thing I had younger was the just the the lack of knowledge of of of of um using how to use your money.
00:29:59.039 -->
00:29:59.680How to use money.
00:29:59.920 -->
00:30:00.559Yeah, you know.
00:30:00.880 -->
00:30:03.599Did you feel like money was easy or hard to get?
00:30:03.680 -->
00:30:07.599Or I never do, I never looked at it like hard to get because I always worked.
00:30:07.680 -->
00:30:08.960I worked since I was 12.
00:30:09.119 -->
00:30:10.400My mom passed when I was 12.
00:30:10.480 -->
00:30:11.839I worked when I was 13.
00:30:12.160 -->
00:30:21.359So I, you know, always had it and was always able to get it, never, you know, to the point where I was like, oh, I ain't gonna be able to get no money, whatever, this and that, because I wasn't lazy.
00:30:21.519 -->
00:30:23.759I always, you know, did work or whatever.
00:30:24.079 -->
00:30:26.079But every time I spent it.
00:30:26.319 -->
00:30:26.960Yeah, yeah, yeah.
00:30:27.279 -->
00:30:44.240And I never would put like a you know, savings account or whatever because me, I was the type of person, I want what I want, and I want it now, and I'm gonna spend, you know, but when you get it-well, see, no, you get it when you get into a relationship though, you know, it's a whole different ball game.
00:30:44.319 -->
00:30:45.279Yeah, you know what I mean.
00:30:45.440 -->
00:30:59.759And then so if you're going into a relationship with your with with and your your your credit ain't right, your money ain't right, your savings ain't right, or you, or how you investing ain't right, then you know, that can put hack, you know, on that relationship.
00:31:00.000 -->
00:31:11.440And those are things that I think should be discussed at the beginning to give that other person, and I'm guilty of it, to give that other person uh out where this not out, but see if they want to be with you.
00:31:11.680 -->
00:31:11.920Yeah, yeah.
00:31:12.160 -->
00:31:12.559You know what I mean?
00:31:12.720 -->
00:31:13.680Yes, I would agree.
00:31:13.839 -->
00:31:15.440If that said, I'm gonna hear you up.
00:31:15.759 -->
00:31:16.640I see y'all in the comments.
00:31:16.720 -->
00:31:19.279Y'all out there, dang! What's up?
00:31:19.759 -->
00:31:20.799Who is this?
00:31:21.200 -->
00:31:22.640Steve, what's up, man?
00:31:22.799 -->
00:31:28.720After your parents created you, how did you pick your favorite story of God made up by humans?
00:31:29.039 -->
00:31:31.440What does that have to do with aliens?
00:31:32.400 -->
00:31:34.400I don't know what that has to do with that.
00:31:34.880 -->
00:31:35.759Get on the topic, Steve.
00:31:35.839 -->
00:31:36.799Get on the topic, man.
00:31:36.960 -->
00:31:39.519Lots of schools are cutting economic classes.
00:31:39.680 -->
00:31:40.160True.
00:31:40.319 -->
00:31:42.480It is true, and that's that's that's a problem.
00:31:42.960 -->
00:31:54.160And and the funny thing is the good thing that we got social media now because you can learn, you know, and not and you have AI now, so you can learn, you know, some of these things.
00:31:54.240 -->
00:31:58.240You can't rely, don't get me wrong, don't rely on on AI completely.
00:31:58.400 -->
00:32:09.200You know, have your own creative thoughts and your own, you know, way of doing things, but it's still a uh a tool that you can use to learn some things, you know what I mean?
00:32:09.440 -->
00:32:11.599So yeah, so that part, who is that?
00:32:11.920 -->
00:32:13.440Erwin, Erwin Curtis.
00:32:13.519 -->
00:32:14.480What's up, man?
00:32:16.720 -->
00:32:20.079He spends money on fried chicken and watermelon.
00:32:20.160 -->
00:32:22.160See, somebody, this is somebody trolling.
00:32:22.480 -->
00:32:23.599I mean, I like fried chicken.
00:32:24.000 -->
00:32:24.960I know we like we like that.
00:32:25.039 -->
00:32:26.880We like we like that, we like that.
00:32:27.119 -->
00:32:27.920I support that.
00:32:28.079 -->
00:32:32.400But with all that said, and you know what I'm saying, and then talking about stressing and all that good stuff.
00:32:32.480 -->
00:32:34.319Well, you know, we have a special guest.
00:32:34.480 -->
00:32:37.599He's waiting in the cuts for us and everything.
00:32:38.400 -->
00:32:44.160All right, so uh give it up for my man, Jason Vaug's gonna be is where is with us where you at?
00:32:44.319 -->
00:32:44.640Where you at?
00:32:44.720 -->
00:32:45.200Where you at?
00:32:45.279 -->
00:32:47.119Let me bring you in here, Jason.
00:32:48.400 -->
00:32:51.119Hey everyone, what's up, what's up?
00:32:51.279 -->
00:32:52.240All right, all right, man.
00:32:52.319 -->
00:32:55.839I know you've been listening to the stories like we we just put out there just now.
00:32:56.000 -->
00:32:57.680So I have been.
00:32:58.160 -->
00:33:01.599So you yourself, and I've worked with you.
00:33:01.680 -->
00:33:02.720I I'll put it out there.
00:33:02.799 -->
00:33:03.759I've worked with him.
00:33:04.079 -->
00:33:06.559That's how I know how good he is, you know what I mean.
00:33:06.720 -->
00:33:11.920So give us a little bit, give us a little bit about yourself and the background and what you do, Jason.
00:33:12.240 -->
00:33:17.279Well, before I get into myself, I just wanted to talk about credit.
00:33:17.759 -->
00:33:20.079There's there's money and then there's credit.
00:33:20.319 -->
00:33:27.440And I feel like that your credit is a safety net if you run out of cash.
00:33:28.960 -->
00:33:39.039So and you're in a relationship, and depending on how uh you know serious you are as a couple, right?
00:33:40.400 -->
00:33:49.839Maybe not married, but in a pretty committed relationship, and there you wouldn't believe the amount of people that come to us.
00:33:50.400 -->
00:34:26.320Men and women, I would say the percentage is 75% men, 25% women, that are uh the men are uh extremely motivated to fix their credit if they have some issues because uh at the end of the day, uh the way the economy is going as people are living off of their credit cards, they're getting kind of more strapped as the months goes by, but there's there is still hope.
00:34:26.719 -->
00:34:27.840Right, there's still hope.
00:34:27.920 -->
00:34:42.320I I I could almost this is my opinion, but I believe after the midterms, I'm not gonna talk politics, but I believe that these gas prices are gonna come down and there's gonna be relief for people.
00:34:42.400 -->
00:34:51.920At least I'm praying to God that's what happens, because I feel really bad for what's going on for people that can't pay their bills.
00:34:52.159 -->
00:34:55.599It's just really sad where we're spending money on these wars and such.
00:34:55.679 -->
00:34:59.440But at the end of the day, there's cash and then there's credit.
00:34:59.760 -->
00:35:15.199And a lot of people think that credit is some is a bad thing where credit can be a really useful tool to be able to, you know, uh create investments if you want to invest in things.
00:35:15.760 -->
00:35:30.320But uh back in 2014, my story goes as such as uh I had a 468 credit score and I used a company called Lexington Law.
00:35:30.559 -->
00:35:39.760Now it's pretty obvious if anybody's most people have tried to have their credit fixed by Lex with Lexington Law, and they basically got screwed.
00:35:39.840 -->
00:35:43.119So for 10 months, I paid$150 a month.
00:35:43.360 -->
00:35:49.44010 months went by, there was one inquiry that was deleted, and I finally had to pull the plug.
00:35:50.079 -->
00:35:57.760And so I decided to uh do something myself because I knew there had to be a way, right?
00:35:58.320 -->
00:36:32.639I knew there had to be a better way, so I spent a lot of time trying to figure out this how to how to unlock the code, and I was able to unlock that code, and so I sued Equifax because they did not dispute my items that I was disputing correctly, and so I sued them representing myself, and I'm the only person that's ever represented themselves that I can find on the internet that has won.
00:36:33.599 -->
00:36:47.199Their counsel from Atlanta flew all the way out to Utah for a small little case, but this case was extremely important because if I won this case, it would expose them in a lot of serious ways.
00:36:47.360 -->
00:37:05.760So my point is there is still hope, even if people have no credit or bad credit, there's still hope if you're willing to set aside going to Starbucks and buy your ten dollar coffee each morning.
00:37:05.920 -->
00:37:24.079If you're willing to invest in yourself a few hundred dollars, one dollar to be exact for us to spend 30 minutes with you to go over your credit report, we're able to come up with a game plan that uh can change your life.
00:37:24.239 -->
00:37:33.599I mean, yeah, there's so many people that we've that have gone from a 550 score to a 720 that's completely changed their lives.
00:37:34.320 -->
00:37:39.679And so cash and credit, they're such different, they're so different.
00:37:40.000 -->
00:37:44.079The ultimate uh safety net, I believe, is credit.
00:37:45.280 -->
00:37:51.199And uh going back to I think it was uh yours or it's dot is it Dr.
00:37:51.360 -->
00:37:51.599G?
00:37:52.159 -->
00:37:53.679Yeah, it's called Dr.
00:37:53.840 -->
00:37:54.079G.
00:37:54.480 -->
00:37:55.519I'm sorry, Coach G.
00:37:56.480 -->
00:38:00.960So some people believe in having a car payment, some people don't.
00:38:01.280 -->
00:38:14.559My philosophy is I like to stay as liquid as possible because I feel like I can make more on my money than the interest I'm spending on the interest of the money that I put down on a car.
00:38:14.639 -->
00:38:29.280So basically, if I bought a$30,000 car and I decided to put down$10,000, I would rather put that in the SP or in the stock market just to be more basic.
00:38:29.440 -->
00:38:35.280I'd rather put in the stock market because I'm gonna get a better rate than five percent that I'm paying on my car.
00:38:35.760 -->
00:38:47.360So if I can get a 10% rate, I would essentially be making$500 more dollars per year than putting that ten thousand dollars in the stock market, right?
00:38:47.519 -->
00:38:51.199But like Coach G said, it all depends on how you were raised.
00:38:51.440 -->
00:39:24.400Yeah, if you believe in paying cash for things compared to not, but to me, credit is a safety net, and I never thought that I would come across people that had basically low credit, a low credit complex, but it is a true thing, it's it's so true because the doctor hasn't diagnosed what you have yet.
00:39:24.800 -->
00:39:26.159No, seriously.
00:39:30.000 -->
00:39:33.360I probably had that a low, a low credit, what'd you say?
00:39:33.519 -->
00:39:34.239A low credit score.
00:39:34.480 -->
00:39:37.840I said low low credit score complex.
00:39:38.239 -->
00:39:38.639Complex.
00:39:38.800 -->
00:39:39.519I think, yeah.
00:39:39.679 -->
00:39:41.920I probably had that what's I did.
00:39:42.079 -->
00:39:43.199Hey, I did.
00:39:43.440 -->
00:39:51.840I did because so uh if other some people might not know, I'm really close with Billy Carson, been on several of his podcasts.
00:39:52.159 -->
00:39:57.679He literally will not date someone unless he runs their credit.
00:39:57.920 -->
00:40:03.119Oh wow, now we now we buy right out right out of the gate.
00:40:05.119 -->
00:40:13.039Because to him, that is something that tells him if they're responsible financially.
00:40:13.920 -->
00:40:22.960If they're not responsible financially, then you know that's just something uh that he personally you know wants to to do.
00:40:23.199 -->
00:40:24.800But I I don't believe that.
00:40:24.960 -->
00:40:29.519I believe a relationship needs to be harvested a little deeper.
00:40:29.679 -->
00:40:33.440And hey, we all go through bad times in our lives, right?
00:40:33.519 -->
00:40:33.840Right.
00:40:34.079 -->
00:40:36.719There's always even though we go through bad times.
00:40:36.800 -->
00:40:42.480I mean, should it should it be an open uh open conversation for someone that you're gonna be serious with?
00:40:42.719 -->
00:40:43.440You know what I mean?
00:40:43.519 -->
00:41:02.239And and and that have that person have to understand, yes, we all have bad times, but they have to be on that same page to understand that uh before you really get into deep, as opposed to dating for six months to a year or something like that, and then you find out, oh, well, we can't do this or you can't do that because your credit's messed up, because it's gonna, you know what I mean?
00:41:02.320 -->
00:41:16.000And now that's like a wasted because now it's gonna add uh uh frustration and and like you said, the male gonna have a complex or whatever about his credit or her if she's got bad credit, you know, they're gonna have the same complex.
00:41:16.239 -->
00:41:18.559So yeah, so yeah, you you're right.
00:41:18.719 -->
00:41:34.400If they decide to buy a house together and one person has a 720 score, the other person has a 520 score, they might look at each other, and the one that's got the 520 score said, The house is usually I probably should have told I should have told you.
00:41:34.639 -->
00:41:49.920But just to give you an example, I've been dating someone for 10 months, and obviously she knows what I do for a living, but I have not asked her what her credit score is, because it doesn't matter.
00:41:50.159 -->
00:41:57.519I am confident that in my credit score that even if she doesn't have a high credit score, right?
00:41:57.679 -->
00:42:10.719I do, and so then you it goes into who is the uh what was the uh by coach D the provider, or what you and her were talking about, yeah, the definition of the provider.
00:42:10.960 -->
00:42:11.119Right.
00:42:11.440 -->
00:42:21.280And I was taking notes about this as uh like traditionally the family structure, right, or who is the head of the household, that's what it was.
00:42:21.519 -->
00:42:40.000Yeah, the head of the household in a you know in the old school family structure would be the man, because the old school, old school structure was the man would typically be the provider, true, true, right?
00:42:40.239 -->
00:42:50.559And so being as today the way the way the economy is and the way it's harder for because now you have you do have you know the women getting better jobs than the guys, yeah.
00:42:50.719 -->
00:42:51.119You know what I mean?
00:42:51.679 -->
00:43:02.800So, you know, but does that add, as you say, uh another like a complex on the on the male because of the fact that he's not making as much, you know what I mean?
00:43:02.880 -->
00:43:14.000And he's not, you know, feel like that he's not providing, but yet he's supposed to be, he's feeling like he's supposed to be the head of the you know, yeah, of the of the household.
00:43:16.960 -->
00:43:18.800I I I've never seen her this quiet.
00:43:20.559 -->
00:43:24.320Sitting on my hands right now, like go ahead.
00:43:25.119 -->
00:43:33.039Well, I I mean, I totally get where you're coming from uh on the whole you're back to the head of the household thing, right?
00:43:33.199 -->
00:43:39.679And I think you know, times are are are different than when we grew up, right?
00:43:39.840 -->
00:43:43.920And you know, relationships are different in all kinds of ways.
00:43:44.239 -->
00:43:58.400And so I think, yeah, we need to have the discussion about what does money look like for you, what does money look like for me, and what is our what does our relationship look like in terms of you know, what are my expectations of you, what are your expectations of me?
00:43:58.559 -->
00:43:59.840And those need to be in alignment.
00:44:00.239 -->
00:44:05.920Right, otherwise, yeah, because if I'm the one that wants to stay home and be a housewife, which it would never be me, by the way.
00:44:06.239 -->
00:44:11.840But if I did, and you were like, Yeah, no, you're doing your half, right?
00:44:12.000 -->
00:44:13.840Well, this is not the relationship for me.
00:44:14.960 -->
00:44:16.559So, yeah, that's true.
00:44:16.719 -->
00:44:26.880And I and just so everybody knows, I don't believe in I I I believe in whatever works for a couple, right?
00:44:27.119 -->
00:44:42.880Whether the man is the head of the household, the woman is uh I'm not saying that I believe there has to be one way, I was just describing the like the old school the family structure.
00:44:43.039 -->
00:44:43.599That's all.
00:44:43.760 -->
00:44:45.679Not now, everything's definitely changed.
00:44:45.920 -->
00:44:46.559Yeah, for sure.
00:44:46.719 -->
00:44:47.679Yeah, for for sure.
00:44:47.760 -->
00:44:49.840Yeah, he just wanted me to say something, Jason.
00:44:50.159 -->
00:44:51.679Couldn't sit here quiet.
00:44:51.760 -->
00:44:52.960It's making him very nervous.
00:44:53.199 -->
00:44:53.440Okay.
00:44:53.519 -->
00:44:54.320Well, no, no, no.
00:44:54.400 -->
00:44:54.880Okay, yeah.
00:44:54.960 -->
00:44:56.559Me being so quiet was making you very nervous.
00:44:56.719 -->
00:44:57.280Let's admit it.
00:44:57.440 -->
00:44:58.400No, no, no, no, no.
00:44:58.719 -->
00:45:00.000You know, here's the thing.
00:45:00.239 -->
00:45:04.960Unless somebody was a trust fund baby, let's face it.
00:45:06.239 -->
00:45:18.719Unless you have good credit, you're not going to be able to buy a house, buy any property, invest in anything.
00:45:18.880 -->
00:45:36.159And how many of us in America are trust fund babies that have, you know, a million or ten million dollars just sitting in a bank account for us like, I don't know, a half of a half, a tenth of a percent or one percent.
00:45:36.400 -->
00:45:47.760And so everybody else has to do it the hard way, which is get a job and learn what credit is.
00:45:47.920 -->
00:45:51.360And as you guys were saying, it's not taught in school.
00:45:51.519 -->
00:46:19.199Uh one of the person that commented, one of your followers said it's being taken out of school, economics, and I've started teaching, it's called Credit 101 at the high school I went to at Dixie High School, and it's just a two-day module, but I feel like at least I'm giving the seniors in high school two hours where it's it's not too boring for them.
00:46:19.599 -->
00:46:30.239I'm trying to get into Dixie State College next year because I think college is really where they probably should start to learn a little bit more so than just in high school.
00:46:30.480 -->
00:46:33.199But he's right, it is not taught.
00:46:33.280 -->
00:46:35.280I I didn't have now.
00:46:35.360 -->
00:46:49.760I was actually when I say I I'm a little bit different than I was raised, I didn't really grow up in a in a you know, I wasn't given anything, I had to work very hard.
00:46:50.079 -->
00:46:52.639And I wanted to show you guys something.
00:46:52.800 -->
00:47:00.000This is a credit card back in, I don't know if you can read that, that's 1994.
00:47:00.239 -->
00:47:03.440So this would have put me at the age of 19.
00:47:03.679 -->
00:47:12.800And back in 1994, to have a 19-year-old have their own credit card was actually very that's unheard of.
00:47:12.960 -->
00:47:35.119This is the actual call card, and so I actually have instead of I collect baseball cards, but I also have collected all of my credit cards throughout all of the years, and there's about 160 here, and they they're all not open, but at one point in time they were.
00:47:35.440 -->
00:47:38.079But this is like a stupid move, right here.
00:47:38.239 -->
00:47:39.360You see this black card?
00:47:39.440 -->
00:47:40.239Yeah, yeah.
00:47:40.480 -->
00:47:49.119In 2007, when the market crashed, the real estate market, I had to pay five thousand dollars a year just to have this card.
00:47:49.280 -->
00:47:56.000Oh, I got a call from American Express saying that they took away my unlimited credit.
00:47:56.079 -->
00:47:58.880I bought Maseratis and all kinds of stuff on this card.
00:47:59.360 -->
00:48:06.960They wanted to drop the limit to$500, so I was paying five thousand dollars a year to have a five hundred dollar limit.
00:48:07.039 -->
00:48:10.480Yeah, and I told them to go stuff up where the sun doesn't shine.
00:48:10.800 -->
00:48:11.760Right, right, right.
00:48:12.639 -->
00:48:18.000Okay, but it's just everybody's philosophy is a little bit different when it comes to credit.
00:48:20.079 -->
00:48:27.199Oh, yeah, it is, it is that's is a scenario, and I'm this is a question for both of you guys.
00:48:27.760 -->
00:48:28.079Okay.
00:48:28.639 -->
00:48:33.920Your friend buys a house, take a vacation, and seems to have a life figured, have life figured out, right?
00:48:34.079 -->
00:48:40.079And you smile publicly but feel uh anxious and inadequate privately, right?
00:48:41.039 -->
00:48:47.360Is it jealousy, financial shame, or the pressure of feeling left behind?
00:48:48.880 -->
00:48:54.719If your friend was able to go on a trip, I I'm I'm sorry, I didn't quite understand the question.
00:48:54.880 -->
00:49:02.880If he was able to go on a trip and you weren't if they buy a house or take vacations and seem to have life just figured out, you know what I mean?
00:49:02.960 -->
00:49:06.159Um yeah, I think it's ego.
00:49:06.320 -->
00:49:10.880I think a lot of it has to do with ego with your with your own ego personally.
00:49:11.039 -->
00:49:19.599I I mean, I think there's ego that comes to play, but there's also hard work that comes to play, also.
00:49:20.880 -->
00:49:37.599The person that bought the house, if he wasn't given a bunch of money from a death benefit or something like that, he worked hard, he he worked for it, and so there could be jealousy, there it could be ego, could be a little bit of both.
00:49:37.840 -->
00:49:39.599That's just my opinion.
00:49:40.000 -->
00:49:42.239What about being just feeling like left behind?
00:49:42.320 -->
00:49:54.079Like feel like that that they didn't accomplish anything or whatever because of you know, maybe lack of of knowledge or lack of opportunities, you know what I mean?
00:49:54.320 -->
00:50:03.519There's definitely I come across a lot of people that feel like they were left out, yeah, and the system is rigged against them.
00:50:04.000 -->
00:50:12.480And hey, the credit, I'm gonna go back to the credit reporting system.
00:50:12.639 -->
00:50:15.920It's a broken system, it really is a broken system.
00:50:16.079 -->
00:50:25.360But going back to your question, uh there's a lot of people that definitely felt left behind and they feel like they got screwed because here's another example.
00:50:25.519 -->
00:50:32.800Uh we've had a person that paid their bills for several years, uh, 10 years, haven't didn't miss a payment.
00:50:32.960 -->
00:50:36.639He had a medical procedure done and he had insurance.
00:50:36.960 -->
00:50:47.119Well, the insurance, if you don't, if your insurance doesn't pay that claim within 90 days of the service, it will go to collections.
00:50:48.079 -->
00:51:03.119So here you have a guy that's paid his bills all his life, essentially, and his credit goes from a 730 to a 630 because there was$800 collection on a procedure right that completely screwed his credit over.
00:51:03.360 -->
00:51:06.800And but I can say there's hope.
00:51:06.960 -->
00:51:07.519There's hope.
00:51:07.599 -->
00:51:27.519And if you're willing to stay positive, and if you're open to wanting to if you're open to wanting to learn and do your research on companies that have helped other people in the past, be open.
00:51:28.159 -->
00:51:33.519That's not what I that would be my biggest thing, is just be open to for changes.
00:51:33.679 -->
00:51:34.719Changes can happen.
00:51:34.800 -->
00:51:39.199It's not it's not like everybody's a liar.
00:51:39.679 -->
00:51:43.519You can do your research on what companies are real and what are not real.
00:51:43.760 -->
00:51:44.559Right, right.
00:51:46.400 -->
00:51:48.320I I I like that, Jason.
00:51:48.559 -->
00:52:10.000I and I want to add, if I could, you know, you would ask you about that scenario of like the friends have the house and they're going on vacation and they're you know, they're right, and I and I tie that back, yeah.
00:52:10.239 -->
00:52:12.639So Jason had said ego, right?
00:52:12.719 -->
00:52:18.719And I think when we look, what's underneath ego is worth.
00:52:19.039 -->
00:52:20.079What am I worth?
00:52:20.480 -->
00:52:24.159What have I been told being worthy looks like?
00:52:24.960 -->
00:52:25.280Right.
00:52:25.440 -->
00:52:38.079And if I've been told that being worthy looks like having a house, being able to buy a house and having a nice car and going on vacation, and that's how I know I've made it, then that's gonna hit hard when your friend does that.
00:52:38.320 -->
00:52:46.639And that's that's pretty much how society sets you up to as well, to make you unless you have those things that you're not you're not worthy.
00:52:46.719 -->
00:52:46.800Yeah.
00:52:47.039 -->
00:52:50.400Yeah, you're not accomplished or and you know my thoughts about worthiness.
00:52:50.559 -->
00:53:06.400But you know, and so that's I I definitely think people should get their their ducks in a row to, as far as Jason said, in terms of, you know, fix your credit if you can, because I I I am in agreement with him that that is your safety net, if you will, if you need it, right?
00:53:07.599 -->
00:53:09.360Even if you pay cash for everything, right?
00:53:09.440 -->
00:53:11.360Like figure that part out.
00:53:12.159 -->
00:53:15.840And there's there's no shame.
00:53:16.159 -->
00:53:25.440Yeah, well, if you feel shame that you know you didn't get it right and you didn't know, and you're like behind, you only knew what you knew, right?
00:53:25.599 -->
00:53:28.880And so you have a chance now too, and there's hope, right?
00:53:29.119 -->
00:53:34.880Yeah, we can do things differently, and to really look at what do you believe about money?
00:53:35.440 -->
00:53:36.719What do you think money?
00:53:37.840 -->
00:53:39.679Yes, we needed to buy things.
00:53:39.920 -->
00:53:46.880I was telling fuel earlier, like, could I just trade you like you know, a cow for some, you know, carrots or something like back in the city?
00:53:48.239 -->
00:53:50.800Yeah, old bartering system, but it still had value, right?
00:53:50.880 -->
00:53:55.119It's like the cow had value in the corn and the carrots had value in whatever.
00:53:55.199 -->
00:53:58.639So, you know, so so we're still talking about money in a different sort of way.
00:53:59.119 -->
00:54:07.119But you know, what is it, what does it mean for you when you think about money and whether you have it or don't, or have a good credit score or don't?
00:54:07.280 -->
00:54:20.800And if it's attached to whether or not you feel less than or worthy or what have you, you know, that that might be a little bit of work to do so that you can realize that you don't have to stay there, right?
00:54:20.880 -->
00:54:24.400You don't have to stay in that place of feeling less than you can you can change it.
00:54:24.639 -->
00:54:42.159So so so I mean, I I I think because we we're we're mostly talking about two, you know, one's nervous system when it comes to the health of your credit or your you know financial situation or whatever, you know.
00:54:42.800 -->
00:54:49.599I mean, just like it's like why why your your your checking account causes you to check your blood pressure type of thing.
00:54:49.840 -->
00:54:50.639You know what I mean?
00:54:51.519 -->
00:55:24.639I've had clients, I've had clients literally go to the hospital because they've had a stroke, and they told me they had a stroke because they were so scared that their bills were coming due and they weren't gonna be able to pay them, and they were nervous that their credit was going to drop like a rock, and they one of them literally had a heart attack, and you know, gosh, it's like people have to kind of put things into perspective, yeah.
00:55:25.039 -->
00:55:29.840And it's all about I think putting things into perspective.
00:55:30.159 -->
00:55:49.840Yes, it's a bad thing if he's going through something financially and he's not able to make the minimum payment, but my gosh, you know, I don't know if there's gotta be some more underlying causes than just just that, I I would think.
00:55:50.159 -->
00:55:52.239But based, yeah.
00:55:52.880 -->
00:55:55.360I just say based on our oh sorry, go ahead.
00:55:55.840 -->
00:56:27.440Jason, I was just gonna say I don't think it's a very good sales pitch that people are having heart attacks in your office, but I not in my office, he's saying his office, they're telling me they're telling me I had a client that when I talked to them a couple weeks later, they they literally had a stroke because he was scared of his credit dropping because he was trying to buy a home and now he knew he couldn't buy a home because it dropped his it was gonna drop a score.
00:56:27.760 -->
00:56:29.440Yeah, very stressful, right?
00:56:29.519 -->
00:56:30.159Very stressful.
00:56:30.239 -->
00:56:31.519And and what's underneath that?
00:56:31.599 -->
00:56:34.000Like, what does it mean if you can't buy a home?
00:56:35.039 -->
00:56:37.599Well I think the good thing, yeah.
00:56:37.760 -->
00:57:18.400I think the ear what I've noticed in with Gen Z is, and I think I actually kind of like it, they have wrapped their they've kind of they've given into the homeownership thing where they've kind of accepted, hey, as long as I can get in a rental and have my own space, at least from what I've noticed, that's that's kind of and I think it's good because hey, just because you don't have just because you don't own your own home and have a warranty deed to your own home, it doesn't make you less than then right.
00:57:19.119 -->
00:57:31.599They have I've I feel like they've kind of just accepted the fact that they want their own space at this point, they don't want to live with their parents, they want to have their own space, and there's nothing wrong with that.
00:57:32.079 -->
00:57:41.199Yeah, it's funny that you say that, Jason, because so my my husband has a team and they're pretty young, yeah, you know, that the generation that you're talking about.
00:57:41.519 -->
00:57:50.400And some of them, because they are remote workers, Airbnb from place to place and they're just traveling the world because they can work from wherever, right?
00:57:50.480 -->
00:57:52.639And so you want to hold them, you can't really do that, right?
00:57:52.800 -->
00:57:53.440Right, right, right.
00:57:53.679 -->
00:58:00.880So there's not, yeah, it depends on what, but what my I guess my my point is what does it mean to you, right?
00:58:01.039 -->
00:58:04.159Or to that gentleman that he couldn't he might not be able to buy a home.
00:58:04.320 -->
00:58:07.599Like what what's underneath what's underneath it, right?
00:58:07.760 -->
00:58:09.199Does that mean that you're left then?
00:58:09.280 -->
00:58:13.519That you're not you're not doing it, you're not doing it right, it life, right?
00:58:13.760 -->
00:58:17.519And that's that's yeah, that's the the work, right?
00:58:17.599 -->
00:58:18.719I mean, yes, get a good credit.
00:58:19.119 -->
00:58:39.360He was in his 40s, he was in his 40s, so he would have been like a Gen X, and I think for Gen X, it's really hard to be in your 40s or late 40s, early 50s, and not be able to say you own your own home.
00:58:39.760 -->
00:58:45.440I don't know why that is, because to me, that's that doesn't define a person.
00:58:45.679 -->
00:58:47.519It shouldn't define a person.
00:58:47.840 -->
00:58:54.960I mean, shoot, look at some of these places in New York City that are apartments that cost 20,000 a month.
00:58:55.280 -->
00:58:55.519Right.
00:58:55.679 -->
00:58:57.039They're not home, they're not home.
00:58:57.119 -->
00:59:04.159So I'm I'm just kind of confused what the the thing about the home, you know.
00:59:04.480 -->
00:59:04.960Yeah.
00:59:05.199 -->
00:59:05.440All right.
00:59:05.920 -->
00:59:07.920The home has to do things.
00:59:08.159 -->
00:59:09.599Gotcha, gotcha, gotcha.
00:59:09.760 -->
00:59:10.239All right.
00:59:10.400 -->
00:59:11.679That hour went fast, didn't it?
00:59:11.920 -->
00:59:12.800It goes so fast.
00:59:12.960 -->
00:59:13.440It goes so fast.
00:59:13.679 -->
00:59:14.960I know it went, it went really fast.
00:59:16.480 -->
00:59:19.280I'm gonna have you on some more or whatever to kind of give more.
00:59:19.440 -->
00:59:26.559We're gonna get we're gonna get into where how you're able to help a lot of people in fixing their credit.
00:59:26.880 -->
00:59:31.920You guys see at the bottom it says info at credit comp credcomanagement.com.
00:59:32.079 -->
00:59:33.440Is that right for the email, right?
00:59:33.599 -->
00:59:36.719Yeah, they could just go to credcomanagement.com.
00:59:36.960 -->
00:59:48.480The great thing is we offer a if we can't increase your score collectively 200 points within 90 days, then you don't owe us one more dime.
00:59:48.960 -->
00:59:57.599Um, it's worth it's worth the money of not going to Starbucks for a few months to invest in yourself.
00:59:57.920 -->
01:00:10.000But you got to do the work, you gotta still, you know, sometimes people thinking that you guys are are doing all have to do all the work or whatever, but understand that you have to do the work too.
01:00:10.079 -->
01:00:26.559So sometimes you know, you're thinking, and I've made the mistake of getting my core my score up to 700 something, and then thinking like, oh shoot, I can go, I you know what I mean, and not understand that it's gonna take you down, you know, and that was before you can finish the work, you know what I mean.
01:00:26.880 -->
01:00:36.320So, so just by experience or whatever, you know what I'm saying, you might want to uh let them do the work, you know what I'm saying, and can you know, and and do your part and do your part.
01:00:36.480 -->
01:00:44.239But the good thing is we're not trapping people into something long-term if we're not able to perform.
01:00:44.800 -->
01:00:49.280So that's just what I want your listeners to understand and just know that there's hope.
01:00:49.440 -->
01:00:53.519If you're going through something bad, there is certainly hope.
01:00:53.840 -->
01:01:20.719And if you do your research on companies, uh make sure you're you're you're not, you know, you're looking to see if when they're posting things on social media, that not to say there's anything bad from working from home, but if their kitchens in the background, it might not be that great of an investment to go with a company that's that's not that doesn't have their own true, you know, true their their own professional company.
01:01:20.880 -->
01:01:25.440But I appreciate you letting me be on your show, Steve.
01:01:25.840 -->
01:01:26.639Appreciate you, sir.
01:01:26.800 -->
01:01:57.599And I I look forward to being on future shows and talking about some of these other topics when it comes to financing, but yeah, I I just feel like people should put everything into true perspective and not be so materialistic and so yeah, be able to communicate with each other if you're in a relationship, even though I haven't I haven't asked my girlfriend what her credit score is.
01:01:57.760 -->
01:02:12.559Yeah, no, maybe I might think it's you can call me later, Jason, and we'll talk about how you can I think it is an early uh conversation if that's something that's necessarily a important to you, important to you if it's important to you, absolutely.
01:02:12.800 -->
01:02:15.280But on that note, we gotta we gotta get out of here, you guys.
01:02:15.440 -->
01:02:15.679Okay.
01:02:15.760 -->
01:02:18.880Uh so I'm gonna give you this this last question.
01:02:19.199 -->
01:02:20.000This is for the audience.
01:02:20.079 -->
01:02:21.039Yeah, we don't have to answer that.
01:02:21.199 -->
01:02:22.239No, y'all don't have to answer this.
01:02:22.320 -->
01:02:22.960This is for y'all.
01:02:23.039 -->
01:02:32.960So when y'all click in and hit on the comments, can you heal your relationship with money without confronting the shame you carry about not having enough?
01:02:34.639 -->
01:02:35.679Did you get that?
01:02:35.840 -->
01:02:38.239You said no, you can't heal yourself.
01:02:38.480 -->
01:02:38.960I got that.
01:02:39.119 -->
01:02:48.000But y'all, y'all answer, y'all answer that in the comments, and we'll have Jason on again so we can guys we can help you guys get lift some of that stress on y'all's credit, you know what I mean?
01:02:48.079 -->
01:02:48.880Because he's helped me.
01:02:48.960 -->
01:02:53.280He's helped me, so I definitely know he can help you because I was woo.
01:02:53.360 -->
01:02:55.039I y'all don't even want to know anyway.
01:02:55.360 -->
01:02:56.960We fight, we fight for you.
01:02:57.599 -->
01:03:00.719We fight and we're fighters, that's what I appreciate it.
01:03:01.039 -->
01:03:06.000Yes, yes, you guys have a great night and your followers.
01:03:06.239 -->
01:03:11.599Oh, yeah, and stay safe and be smart, and you guys have a good night.
01:03:11.760 -->
01:03:12.320All right, man.
01:03:12.400 -->
01:03:13.039Thanks, Jason.
01:03:13.119 -->
01:03:14.159We'll talk to you soon, man.
01:03:14.239 -->
01:03:15.119I'll talk to you soon, man.
01:03:15.199 -->
01:03:16.400I appreciate you coming on.
01:03:16.559 -->
01:03:17.039All right.
01:03:17.519 -->
01:03:18.320Peace.
01:03:21.280 -->
01:03:21.920All right.
01:03:25.119 -->
01:03:26.719Why are you looking that way?
01:03:27.519 -->
01:03:28.159Learn a lot.
01:03:28.320 -->
01:03:29.920We learned a lot, you know.
01:03:30.159 -->
01:03:44.239I mean, myself, I mean, I uh, you know, like I said, I I've learned mostly, you know, the the stress that ones can have behind not having, not being where you want to be, you know, credit-wise, money-wise, you know what I mean?
01:03:44.320 -->
01:03:45.760And it can affect the relationship.
01:03:45.920 -->
01:03:56.639So it's always good to have that conversation with someone that you're with or whatever, to see, you know, and be fair to them so they can know whether, hey, is this for me or if it's not for me?
01:03:56.800 -->
01:03:57.440You know what I mean?
01:03:57.519 -->
01:03:59.599It's just all about the fairness, right?
01:03:59.840 -->
01:04:04.400So, anyway, on that note, on that note, we're gonna get out of here.
01:04:04.719 -->
01:04:06.559We appreciate you guys tapping in.
01:04:06.719 -->
01:04:08.159We'll see y'all next time.
01:04:08.320 -->
01:04:09.360Oh, what am I doing here?
01:04:10.000 -->
01:04:13.199I have no idea what you're doing.
01:04:13.440 -->
01:04:20.400Well, anyway, if they're talking about you behind your back, they behind you for a reason.
