Credit Card Hack: $300K At 0% Interest?!

0:00 I found the easiest way to get access to to capital with no proof of income, no tax returns, no collateral, 0% for the first one to 1.5 years. I got approved for over a half a million dollars of business credit without giving away equity without paying interest. The business credit cards, most of them don't report to your personal credit profile. The other banks can't see what other banks lend you. I fly business class around the world, Maldes, Overwater Villa, and I'm not spending money to do that. I'm using my credit card points. And you can do that cuz there's crazy strategies.

0:30 >> That's where this is coming in freaking handy. I wish I'd have known you when I was starting this thing. >> I teach people how to legally and ethically take advantage of the banks so they can create a dream life of freedom. >> The three cards you said again everybody should go get. >> One of the cards is brand new. It's an absolute game changer. >> What it is Brad Lee back again with another episode of Dropping Bombs today in the studio as always. Got a real treat for you. Jack McCall in the house.

0:59 What's happening? >> What's up, Brad? Great to be here. >> You guys don't know him, you go find him at Jack McCall. That's Mcccoll, or visit creditstacking.com. Now, let's get started with some basics, my friend, that most entrepreneurs get wrong. You talk about four funding paths: self-funding, equity partners, business loans, and zero interest credit cards. Where do you see most entrepreneurs screwing up? Well, Brad, I see a lot of entrepreneurs make the mistake of not knowing how to raise money properly. And I found the best and most easiest way for entrepreneurs to get access to capital. And it took me several years to figure that out. It took me my first business venture. I self-funded it. I had 5,000 bucks to my name. But when you selfund a business, you move very slow, especially when you're doing it with 5,000 bucks. And at that point, I had a hoverboard company. I was importing hoverboards from China. And at that point they were they were selling like crazy. There was massive demand for them. But I didn't have a h 100red grand, 200 grand, a million dollars to invest in the inventory.

2:02 Yeah. >> And so I saw what that slow growth did for my business. It just very limited me. And so fast forward many years, I I found that >> the easiest way to get access to to capital, and you can do that with no proof of income, no tax returns, no collateral. You just need good credit and a good relationship with the bank. And then you can borrow money, get 0% for the first one to 1.5 years, and then inject that money into your business or your different real estate deals so you can do more deals, buy more inventory, scale your business to the next level.

2:34 And so for early stage entrepreneurs, it's a gamecher because a lot of early stage entrepreneurs, they don't have the tax returns on their business. They don't have the collateral. They might not even have an extra 20 to 50, 100 grand in their bank account. And so I've cracked the code on this really good funding product and I help people get access to a few hundred,000 on this credit product so they can launch their business to the next level. And I feel I'm a very pro- freedom guy and I feel like the ability to raise a lot of money from the banks so you can inject that into your business can put yourself in a different category of freedom. And so I like to show people how to get access to that freedom.

3:16 Yeah, there's probably a lot of people that, you know, scale slowly because they don't have the funds. Like me, when I started this business that you're sitting in, I had to sell something to to hire somebody and then wait and then sell something to get some ad revenue. So, I mean, with money, you can scale your ads, hire more people, buy inventory, depending on your business. It would work with any business because every business I would say is under capitalized >> for sure >> because they don't know these hacks.

3:48 >> For sure. And I think for for a lot of business models, not all, but for a lot of them, if someone had an extra 50 to $200,000, a lot of business owners can make more money with that money, especially if you can borrow it for one to two years at 0% interest. And so, like I said, it it took me many years to even understand that this option was possible. I self-funded a business. We talked about that. The next business venture I brought on an equity partner and the equity partner I brought on because at this point I knew I needed money to scale. I knew I had another hot product. I knew I needed the money. I didn't have the money. So I brought on this partner and she was a daughter of a billionaire. And so I'm like perfect. She's bringing in the dough.

4:32 I'm going to do most of the work. We're going to give her 51% of the company. >> Mistake. >> Big mistake. I'm like 23 at the time, I think. But I'm, you know, I'm kind of getting shiny object syndrome where I'm seeing like, oh, she's going to do this x, y, and z. ultimately, I had to buy her out at a later point because our contracts were weak and it was just a nightmare situation bringing on the wrong part.

4:55 >> How much did she give you? >> I don't remember at this point. you could have borrowed >> absolutely absolutely money I could spend. That would have saved you 51%. >> 100%. And if I had access to this type of capital on my first business, I would have made millions of dollars because we were selling hoverboards. And really in that hoverboard business, it was so popular, we even had a letter of intent from Mark Cuban, to work with us, because he was in the in the process of buying the patent on this product from the Chinese owner. Had a letter of intent to work with us and ultimately we stopped selling in into the holiday season because we had this letter of intent and he's like, "If you keep selling, I'm not going to work with you." So we stopped selling, missed out on millions of dollars through the the holiday season and then he didn't end up working with us. and then that product stopped becoming so popular. But anyways, that's when I moved to the second venture. Talked about the equity partner. when I moved on to the third business, I knew that I needed money. Of course, you need money to start the business and scale the business. I knew I didn't want to bring on an equity partner cuz I saw the the hassle and just the stress that it provided in that previous business. so I brought on a family loan. So a family loan, a loan from a family member, and I paid 10% interest on that loan. And the negative >> too bad.

6:12 >> It ain't too bad. >> I'd do that before equity. >> yeah. I did the equity because of all these promises of all these deals we were going to do, get us into the event space, all these relationships that she had that we didn't. So that's why I did that. And you and you probably like most people assumed daddy would help her more than he probably did. >> Yeah. >> And he didn't. >> Yeah. Because when you think, man, her dad's loaded. He'll he'll come in and do all kinds of We just assume those things and then find out. Nope.

6:43 >> Yeah. Especially when you're 23 making mistakes like that. So anyways, I'm on my third business. It's a travel business. I'm organizing Cabo St. Lucas spring break trips for university students. I knew I needed the money to buy the hotel inventory, etc. Brought on the loan. The negative of a family loan is well at that point my brother my partner we were super broke. We're working out of our parents' garage and with our dad's money on the line. So he's coming in and you know he wants his money paid back and he sees the risk of the business but he's coming in our office yelling at us you should do x y and z. And so that was the problem of getting family involved and then we paid 10% interest on that loan. that business we did get acquired like 6 months in the future we got acquired. So the aha moment there was we brought on money through a loan and it led to an acquisition of our company. And so that was just really incredible that like it finally worked. We brought on money and it led to something good. And then after that point, fast forward a couple years when I was starting our next business venture.

7:43 >> Real quick, did did >> dad get paid back? >> Dad got paid back. >> Did he just 10% though? >> Yeah. Well, it's because your daddy probably wouldn't care. But like imagine if that was the guy who then caused problems because it could be that I loaned you money and and you did so well and now I'm going to claim whether I win or not, I'm now going to sue you cuz I feel like I deserve some of that equity.

8:08 >> Yeah. I think anytime you're bringing in other people, there's risk for sure. >> And just headaches. >> Headaches for sure. And I mean it's fortunately it worked out for us. >> Yeah. >> >> imagine if you'd have lost his money. >> Oh then I mean it would have been bad you know bad situation with our dad for sure. >> You don't want that. >> No. >> Then the next one. >> Yeah. So the next one that's when I started to learn about it's crazy cuz I checked my personal credit report when I was I think 26 years old. Like pretty stupid to do.

8:41 Check your personal credit report for the first time when you're 26 years old. I studied business at the University of Washington. And I was in business for several years, multiple business ventures, one was acquired and then now I'm checking my personal credit report. And so what I realized and what I learned is if you have strong personal credit, it gives you access to 0% interest business credit cards. And then I learned you can get big limits on these cards, like 25K up to $100,000 limits on these cards. And you can do it with no proof of income, no tax returns, no collateral. The only thing you need to do is have good strong personal credit. You don't even need to have a a business that's cash flowing or even a bunch of age on that business. And so what then I realized is I can start another business with the bank's money at 0% interest for the for the next 9 to 18 months. And I can do that without giving away equity, without self-funding the business, and without getting a family member involved, without paying interest. What can I get with that?

9:46 >> All right, so Brad has an 835 credit score. That's pretty good. The highest I've had is a 841. that's pretty good. But one thing I will mention, and you probably have a strong profile, but the profile on >> if you go to that one, >> that's pretty good. 484 on Equifax. >> You got >> I mean, sorry, 848. >> Don't give me a bad Don't they Don't give me a bad 48 >> on Equifax. And so I assume because you're you're older, you're very successful in business, and you're very knowledgeable, you probably have a strong profile. Yes.

10:17 >> But a lot of people have a good score like a 780, but a very weak and thin profile. >> Well, let's just go get me some money and end this thing right now. >> Let's do it. We can probably go get a 250,000 in the next couple weeks if the opt if the profile is optimized. So a lot of people think, oh, I have a 780 score, which is a good score, can get you lower interest rates, etc. But when it comes to these 0% interest business credit cards, they're looking at many things on the profile. The average age of the profile, the amount of accounts you have, the tiers of those accounts, tier one being like a Chase personal credit card, the the the limits you have on these personal credit cards, all added up collectively, the amount of hard inquiries you have in the last 6 months. So, there's like over 10 things that they're looking at very specifically. And I realized what the underwriters were looking to I realized what the underwriters wanted to see in order to get approved for these high limit cards cuz I got in touch with business relationship managers that deal with these underwriters. And so I extracted a lot of information from these individuals on what the underwriters wanted to see in terms of how to get these high limit cards. And so then I reverse engineered that process. Okay, how many accounts do they want to see? What average age do they want to see? How long do they want to see the bank account open for? What about the collective personal credit limits if you add all those limits up?

11:41 So, I figured all this out and started to test certain things on myself. My first business credit card was just $5,000. But with this information and with testing on myself and really just being in touch with these individuals, basically inside information, I got approved for over a half a million dollars of business credit in just over the first year. And so then I used that credit to then dump into ecom drop shipping stores. And then very soon after because I had so much money to work with, those drop shipping stores became very successful. One making a million dollars in the first year. And I did that by this credit, no interest, no didn't give away equity, and I didn't have to selfund it. And I'm like, this is incredible. Other people have to know this.

12:28 >> What about the What about the minimum payment? The minimum payment on these cards is generally 1%. So if you have a $50,000 business credit card that's maxed out, you're paying 1% of the balance, which is 500 bucks. So you do want to factor that in. >> Yeah. But that's cheap. >> Super cheap. >> Like I'll take that right now. >> Yeah. No, it's good. And one thing for the viewers to for sure understand is if this is new to you, the business credit cards, most of them don't report to your personal credit profile. So, this means you can max out the business credit card and it doesn't tank your score, which blew my mind.

13:04 >> My American Express is due. >> It's due. >> No, my American my American Expresses cuz I have a a a business card for here, a business card for my other business, business card from other business. Okay. >> And when and when I put like Facebook Well, maybe it doesn't. Maybe my wife's doing my personal one. I'll have to look. But do all of them not report? >> The personal credit, the personal credit cards, they report. The business credit cards do not unless it's Capital One or Discover. That's like a exception there.

13:38 But those cards are not good. So like the American Express business credit cards, they do not report to your personal report. That doesn't mean the person's not liable for that debt. They still owe the money. And if you default on the debt, then it's going to report. just doesn't hurt your score. >> It doesn't hurt your score if you're in good standing and then the utilization on that business credit card is not showing up on your personal credit report. And so this is a game changer for a few reasons. One being it doesn't negatively affect your personal credit score by having a balance. Two, it means that if you go to Chase and they give you $75,000, when you go to American Express, American Express can't see that Chase just gave you that money because it doesn't report to your personal credit profile. Then you can go to Bank of America and then Truist and Citizens and other banks. And because they're not reporting your personal credit, the other banks can't see what other banks lent you. H. So, a guy sitting around with an idea but no money, all he has to do is learn from you how to get these cards and all of a sudden he's got 50 G's, 100 G's >> quite easily. And but the thing is it's it's quite easy if you have an exact framework that I teach and it took >> What about decent credit?

14:57 >> Well, decent decent credit is a good place to start. Can you can you fix people's credit that have shitty credit? >> For sure. Yeah. So, if someone has derogatories like late payments, collections, etc. Because of the laws in the United States, there are very successful ways you can dispute some of the information and some of the data around these late payments or collections. And if the credit bureaus can't prove certain things or if there's inaccuracies on these derogatories, then by law, they have to remove them. And if they don't respond to you in certain time frames, then they also have to remove them. So, it's very easy to get negatives removed from your report if you need.

15:34 >> So, what were you going to show me there? >> I was just going to show this because you mentioned, well, just briefly, you mentioned about you put Facebook ads on a specific card. So, I wanted to touch on this because there's three really good cards. there's three really good cards you would want to have if your business runs a lot on advertising. One of the cards is brand new. It's an absolute game changer. The best card to put ads ad spend on is the American Express Business Gold because you earn four points per dollar spent for your advertising, which four points per dollar spent is a good amount. The negative is if your business spends more than $150,000 in a calendar year, then and you only have one business gold, then after the 150k, it goes down to one point per dollar spent. The next card is the Chase. Well, mine then I don't need to get one of those.

16:25 >> Do you spend less than 150 grand of ad spend a year? >> No, I spend that a month. >> Exactly. So, at that level, you would want to have at least one business gold. And then after the first month, you would want to put the rest of the spend on this brand new card, which is the Chase Sapphire Reserve for business. It's a brand new card. The benefit on this one is you get three points per dollar spent, but there's no spending cap. So, if you spend a million bucks on ad spend, you get three points per dollar spent, which is 3 million.

16:58 >> Yeah. So, why don't you why don't you just have that one period? >> well, if you want to milk a little bit more points, then you put the first 150k spend on the business gold because you're getting four points. >> Are you a Are you a point magician? >> I am absolutely a point m magician. I'm a point ninja. I fly business class around the world on my credit card points. I get generally five to 10 times more value on my credit card points because I'm able to transfer them from the banks like Chase and American Express to different airlines and you find better deals on the airlines directly. When you book your when you book travel on points through the bank portal like Chase or American Express, you're always you're always at a fixed value which is generally one point per dollar spent. I can get five cents five points per dollar. I can get five cents per point by transferring or even up to 15 cents per point. So that's like 10 times more value by transferring the points from the bank to the airlines and sniping out the best deals. And I've been doing that for the last four years.

18:04 Maldes, Overwater Villa, Bora Bora, Overwater Villa, business class to Europe, Asia several times a year just on the credit card points. So that's why it makes sense. That's one reason why you want to have really good credit is not only to get the 0% cards, but to get the best cards with the good signup bonuses and the best reward cards so you can get the points and then learn how to leverage them correctly and then get free first in business class travel.

18:30 >> So, there's how many points I have. What What do I do with those points? >> 5 million points is pretty strong, especially if you're spending that much on ad spend. You're going to want to get a business reserve by Chase for sure. so 5 million points. Let me break this down. So 100uck 100,000 points. I'm going to break it down for the viewers cuz they probably don't have 5 million. If you have a 100,000 points in Chase Ceramics, we're going to look at those as one cent per point about, which means a 100,000 points is $1,000 of value they'll let you book in their portal. Okay, you just take two two decimal points over. For a 100,000 miles or 100,000 points, you can transfer those points to most airlines, a lot of the top airlines, and book a business class flight, most places in the world, for only $70,000 points. Okay, that business class ticket is easily worth between 3 and $10,000.

19:32 So, if we look at 70,000 points on a 1 cent per point basis, that's worth $700 of value that Chase is giving you, $700. You transfer the points to an airline partner like United, different airlines, Turkish, you can get that same ticket for 70,000 points instead of spending the 3 to $10,000. So in that scenario, you're getting you're getting potentially 10 times more value. Are you following that?

20:03 >> Yeah. >> Because the bank is always giving you a fixed fixed value on your points. So when it comes to points, you want to be generating points at the banks that let you transfer your points. Primarily Chase, American Express, Capital One, and City. >> Do you ever look at your cards and think, "Is that right? because I just I just sent him a 100 G's and it's still 154. >> Well, maybe you got to send him another 100 G's.

20:31 >> I'm gonna have to like, dude, this is this just doesn't seem right. Like, something's wrong here, dude. I need to get you in my cell phone so I can maximize my >> Yeah. Next time you want to plan a trip, you're going to text me and you're going to say, "I want to go from here to here." Of course, business of first class with this date range and it's with the in with the intel that I have, it's very easy for for me to find extremely good deals on flights that can give you 10 times more value.

21:02 >> Do you teach that? >> I do. >> Is that a like separate program? >> that interactivity we were talking about. See, like that is something you could be like beep, want this because dude, I'd say I don't, but my I want my wife to. >> Yeah, >> cuz right now my wife just goes and books flights. So, we go to Dubai. Bang. Just It's always first class. But she just books it like >> and I got 5 million points. How come we're not using those points?

21:29 >> Yeah, you should be for sure. >> Do they end? >> bank points never end. Airline miles do end if you don't have activity in the account for generally one or two years. But to make activity, you can just transfer another thousand in. >> Yeah. So, I'd want my wife and my assistants to to learn this >> I'll give them access to that program, which is called point stacking. Complimentary on me. >> Thank you, sir. >> It's It's going to change the game.

21:57 Instead of getting You're just going to get 10 times more value from your points. >> Yeah. Well, I want them because again, to me, dude, like I got to start paying attention. >> Yeah. >> I spend a lot. I need to go get those cards. I you know I I don't have and that's not z well it's 0% because I pay it off but like are any of these revolving >> because because that American Express dude you pay it off there's no >> you don't there's no minimum payment for 1% like you owe 154 grand they're wanting 154 grand. Yeah, because those are those are charge cards probably like the business gold, business platinum, they're charge cards, so they're not really revolving. They want you to pay it. The other cards like the other cards at Chase or American Express, they're revolving, so they're credit cards. So >> So do you have a list of ones I could go apply for and get because I don't get declined ever.

22:50 >> That's good. >> Well, I mean with a eight something score, why would I? >> It's pretty good, for sure. So, I want to go get all the ones you're talking about. >> Yeah. No, I have a basically like when I give people a funding plan, we know all of the best 0% cards in the entire country broken down on a state-by-state basis. And I say state by state because if your business is registered in Nevada or Arizona, you have different options of banks. Some of the top big ones, Wells Fargo, Chase, those are going to be consistent over the country. But in some states, there's regional banks and credit unions. So, those are going to be a little bit different. and I have multiple businesses. So, so can each business get the card?

23:28 >> There are diminishing returns, but having two or three businesses is more valuable than just one. Like for example, for someone with two entities, and again, this just have to be LLC's. Like, they don't have to be legit businesses with an office like this. Just two LLC's. Someone goes in and applies for two 0% cards at Chase and you can get the Ink Cash and Inc. Unlimited. If they do that with one business, the chance of them getting 150k total between the two is not as high as if they went in with two entities and applied for one card with business one and the second card with business 2. If someone goes in with that scenario, the two businesses, the chance of them getting the maxed funding amount, which is $150,000 at Chase, 0% for 12 months, that is a higher chance. So have two businesses better than one. You think people should have a plan before they go and get it?

24:22 Because like what if you get approved and three months go by and you didn't use it yet? >> Yeah. Here's what I think people should do. They should absolutely take their credit serious and build strong personal credit and build strategic banking relationships, which I want to get to at some point. They should be doing that right now so they can be ready for opportunities because the cards do come with 0% for 9 to 18 months. You obviously want to time that with whatever business, investment, etc.

24:50 but you can't just not build credit and then expect to get $200,000 approved. You need to build it. Build those relationships with the banks, which isn't really difficult. >> You teach that? >> Absolutely. And each bank and each card has a different approach. Like I'll break a few different banks down. At Chase, for example, I highly recommend someone have a personal credit card at Chase because you're building that credit relationship. You should also have a business checking account at Chase Bank because you start building that banking relationship. You don't have to do this at all the banks. Some of the banks value the relationship more than others, but Chase can give some of the highest limits. So, there's a couple things you want to do there, like that personal credit card, business checking, etc. At Bank of America, they're even more strict on the banking relationship.

25:39 So, your business, if it has revenue, you want to be prioritizing showing Bank of America that revenue because they're the most strict and most difficult to get approved for. But if you if they if they see revenue, it becomes a lot easier. >> Revenue from your business. >> Yeah. That Bank of America is the I'd say the only necessary bank to show them the revenue. Well, again, Bank of America gave me like a quart million dollar limit for this business here, but it's not revolving.

26:09 >> Is it a business line of credit? >> Nope. >> It's a on a credit card. >> Yep. >> Okay. It's not revol revolving. So, it's a charge charge card. You have pay every month. >> All my cards are usually pay every month except an inc card which they gave me 50 grand. >> Yeah. Nice. Nice. >> But it was just a Chase Inc., You know what I mean? >> Yeah. >> And that's technically revolving, but I just pay it off. I don't really like interest, so I pay them off.

26:39 >> But there's going to be a lot of people that can't pay it off >> because they're just starting. So that's where this is coming in freaking handy. I wish I'd have known you when I was starting this thing. >> That's what a lot of people say. I wish I knew this when I was starting. It took me eight years to figure out. Like I would have made so much more money. I would have been so much more successful if I had this information. And that's why like after I saw success in getting the credit for myself and then putting into a business that then made me more money, I ju it blew my mind on what I just did. And I knew that other people had to learn these strategies. And now I've been teaching it for I have several offers in the consumer credit industry, but where I teach it, I've helped over 3,000 entrepreneurs over the last 5 years. A lot of people will get approved for over $100,000 0% for 91 18 months and then they'll either put that into real estate like do more fix and flip deals, Airbnb arbitrage, they can buy more equipment, other ways to in buy more ecom inventory, etc. So, it works for several different industries. Is that 0% like if I borrow it and let's say, you know, I max it out first of all, how do you max it out? Cuz like how do you if if I have a $50,000 credit limit and I need the cash, how do I get the 50 grand off the cash?

27:56 >> Yeah, there's a couple ways to what we call liquidate the credit into cash. >> is that legal? >> It's legal. Yeah, absolutely. >> So they don't have a problem with that. >> The liquidation is a bit gray hat. You don't want to tell the bank, yeah, you're doing this specifically. But let me tell you how it's done. So basically, >> well, you just told all the banks. All the banks, >> the banks are not listening right now.

28:16 I'm teaching people like you and other people in my group and I I teach people how to legally and ethically take advantage of the banks so they can get access to capital, put that in their business and catapult their business to the next level so they can create a dream life of freedom. Some of the things that I've done in my life, I'm very pro freedom and I want to help people with these resources. >> Yeah. So, so if I borrow, let's just take 50 grand for sake of argument. I get the 50 grand. I I pay it back in three months. Zero interest. Yeah. It was just a free loan.

28:51 >> Yeah. Now it's paid back. Business is running, but I want to do it again, but it's been 18 months. Is it always interest free for 18 months or just for the first 18 months it's interest free? >> That's a great question, Brad. So, and this is the this is a big topic. So when you get these cards, it's 0% for the introductory period. So once you open the card, it's 0% for either 9, 12, or 18 months. After that period, it's then not 0%. Is it crazy?

29:22 >> It goes up to the credit card interest, which between 20 and 30%. So yeah, it is a bit crazy. Like you don't want to be paying that. >> So So it only works for the first 12 to 18 months. >> But here they're way 0% cards for longer. And so this how you really leverage this is is over three different banks. It's going to be Chase, Bank of America, and American Express because those are the banks that allow you to move available credit limits to the next card you get at that bank. I'll give you an example, and it's how you build your credit limits at banks over time. So, if you have a $50,000 Chase business credit card, 0% interest for 12 months like you said you had, now the the 0% card, the 0% interest is expired. Okay? So, now if you go back to Chase and you apply for another card, say for example, you only get a $20,000 limit. Well, if that 50,000 card has a 50,000 available limit, like no balance, you can move that limit over to this new $20,000 card. And because that $20,000 card was a Z new 0% card, it's now $70,000 0% for 12 months. It's because you move that limit over to the new card. So now you have 70,000% for the next 12 months. And then at the end of that, pay the balance down, get another Chase 0% card, move the limit over to the new card.

30:48 >> Don't they eventually say you got enough cards, bro? So, they'll let you do that up to $150,000 at Chase. $150,000 of credit at Chase before they're going to start asking for tax returns. Then you can get higher limits if you show them the tax returns and they like your profitability, etc. But you can go up to >> 15 tax returns, >> business and personal, >> but primarily business. >> And you have to guarantee it personally.

31:12 >> Yes. >> So, is there any way to get a loan to a LLC with no personal guarantee? >> There is. for guys like you that have offices like this and doing the numbers you're doing, there are ways for sure. Yeah. But the people that I work with aren't in that position. >> So you're help you're helping like startups, entrepreneurs, and entrepreneurs that are just getting going. >> Totally. Earlier stage, maybe someone's not making a million dollars of re annual revenue yet, but if getting access to 50 to $300,000 is helpful, then it's those people.

31:46 you're making 10 million a year, it's less helpful, you know. >> Well, yeah, but when you say if it's helpful, it's helpful to anybody. >> Like I I make more more than 10 million a year. Show me like I'll go get them right now. Zero zero interest. You'd be stupid not to get them. >> I I think so. Generally, it's a bigger deal to the person who's not making over a million dollars yet. Well, the the if someone asked me, I'd say, listen, you you don't want to go get a credit card, get yourself in debt, because 12 months goes by pretty quickly. If if you don't have a real business plan, don't do it.

32:23 Why? Well, because it's not just to have get money, and try something, even though that's not a bad idea either, as long as it works. But when it doesn't work and now you have a $50,000 line that's coming due and your idea didn't work, bro, you're about to get bad credit again. >> Yeah. I think when you when you borrow this type of money, it can increase the risk. >> You got to have a plan. You Oh, for sure. You have to have a plan. I think the people who succeed with this are people who have an idea on how to make more money if they can borrow the money.

32:54 people maybe like they've already flipped one or two houses and they want to flip five more houses. Cool. Give them the credit. They can then flip those five houses. >> Can you can you transfer balances? >> Okay, it's a great question. You can transfer balances to other cards. Some cards allow you to balance transfer, others don't. If the card that you just got a new 0% card and you want to move the balance to the new card and they don't let you do balance transfers in that scenario, you would want to liquidate the credit into cash, which I'll talk about >> actual cash.

33:30 >> Actual cash, then the cash is in your bank account and then you can pay off that old balance. So with liquidation, you asked me and it we we moved on, but liquidation is basically it's paying an invoice and running it through a merchant processor. So you're basically paying a big invoice and it's costing a 3% fee and then the money goes through the processor, lands in the bank account minus 3% fee. Then you >> unless you're with Real Merchant Services, which is my company, because I can show you how to get zero credit card fees.

34:03 >> No, I can't. >> Yes, I can. How? >> Well, we'll talk about it, but yes, I do. And yes, I can. >> That's incredible. I never heard of that. >> Yeah. >> Epic. So, anyways, you run it through merchant processor. >> Should again, that's one of those interactive things like you got a guy running credit cards at his business and he's going to every every business does. >> Yeah. >> Offer him freaking zero in zero percentage fees and you'd have all those businesses running through your processing company.

34:31 >> Sounds pretty good. Yeah, we'll talk. >> We will. So, anyways, you run it through merion processor minus 3% fee unless we get it to zero. Then you have the money in your bank account and then you pay off the old balance which effectively put the balance on the new card. So, that's how you would balance transfer to a card that doesn't let you balance transfer. >> And there's no rule against that. You would think they'd have a rule against that. Like, like I can't go get a credit card and run it at my own company. You don't want to run it through your own processor. Has to be someone else's.

35:05 >> Huh. Sounds almost like too good to be true type thing. >> No, we do it all the time. >> I've been I've been doing this for 5 years. >> Those drop shipping things used to be like too good to be true. And turns out they were >> potentially. I mean, I think for a lot of people potentially. I'm not sure. >> But I I don't see the scam here. There must not be one. >> I mean, >> I don't see the downside. Like right now, if you said, "Dude, I'll get you $200,000 zero interest for 18 months." I'd say, "Give them to me." Now, whether I needed them or not, why? Well, cuz like for example, I could move I'd use the money cuz it's zero interest and I'd save the money that I would have given to go make some profit. Exactly. So, like zero interest. Anybody wants to give me zero interest loans, I'll take them all $100 million worth because then I'll take that $100 million and I'll go make some money.

36:00 >> Mhm. >> And and just pay the the principal back and whatever I can make on that hundred million would be mine. >> Exactly. >> Like arbitrage. When when people think like you do, Brad, it makes all the sense in the world. When there's people that we talk to and they're like, they don't have the idea. They don't know how to make more money after borrowing money. >> You have a program for that. >> I don't have a program that teaches >> another activity point right there. See, again, you don't have a business idea, dude. We got tons of them that are feasible. They're real. You just need a little money. So, I'll get you the money and I'll get you the business idea. You ever do think about that? I've thought about it for sure, but I have found more impact so far on helping people with an idea amplify that idea with more capital.

36:48 >> Yeah. Plus, you get more liability cuz if your idea sucks and they're and they lose, they're going to blame you for >> imagine people who are like, if you break this down, helping people get credit to then buy an e-commerce store and then it doesn't work. >> Yeah, that's not good. >> Or getting into this business and then it doesn't work. Yeah, I'd stay simplified because right now your program is really like a no-brainer. >> I think it's a complete no-brainer if the person has an idea. And it it's a lot of people think, oh, well, I need this business for 5 years, all this revenue to get these loans, etc. And it's just not the case. Like I like you do need to follow a framework, these underwriters. And in 2025, it is more difficult to get these max funding limits on these cards than it used to be for sure. Not for us. And like in our program, we still get amazing limits on a daily basis. We give people a ton of funding, but for the average person, it is more difficult.

37:45 >> What are people bitching about >> in terms of you got to have customers that are bitching? >> well, here's the thing. Sometimes someone gets a $50 $50,000 approval and sometimes it comes back at 10,000. We just know how to give people the best chance of getting a max approval amount on a per card basis. We know how to build the strategic relationship. We know how to optimize the personal credit report. We know how to complete the applications, which is a very important component there. And if everyone does if that person does everything perfect, you know, sometimes the perfect result doesn't come back. And at the end of the day, it's the banks making the decision.

38:26 >> Well, it's free 10 grand though. >> It's free 10 grand. Exactly. In that position, it's like, okay, spend on that card, continue building that relationship, come back to that bank in 3 months, maybe six, and try again. They're going to trust you a lot more. >> Who's your Who's your perfect customer? >> Perfect customer is either a real estate investor, someone in e-commerce, or someone that has an investment that can make a great return in a a one-year period. work with a lot of real estate investors who do real estate fix and flips because as you know you can flip a house multiple in a one-year period. So generally if someone has maybe flipped one or two, they kind of know how to do it and they want to turn on the gas.

39:08 Perfect. They come in, work with us, we help them get 50 to 300,000, then they have that money and then they can do, you know, six more deals over the next year, whatever the number is. now at the end of that year. And now those cards are now interest cards. You can continue to do it every 30 days if if if you can move it that quick because again I mean all cards are interest free in 30 days.

39:32 >> That's that's I mean yeah you can put money on a credit card for 30 days and not pay interest. Yeah. But that's well that's why I pay them all off because I don't like interest and if you and if you have revolving cards that's where you get into a trap because the minimum payments you're going to be paying on that thing for 20 years which is all interest. >> Yeah. You don't want to be paying interest on these cards. You want to take advantage of the 0% interest period. The banks in incentivize people on getting these promo periods, maxing the cards out and so they can just, you know, hopefully the person doesn't pay it back and then the banks are making money on the interest. I like empowering people with the information and the strategies to just not pay interest.

40:10 >> And then is there a way where I can after the period's over cancel the card, reapply for another zero interest card or they got to get smart some point in time. >> So far, we've been out smarting. Here's the thing. We've been playing by their rules. It's like the tax code. I assume you're pretty savage at tax strategy and I'm learning the tax strategy. I'm becoming a savage at tax strategy. We're just doing the things that the government incentivizes people to do on tax strategy where we're investing the business vehicle, the depreciation, all these things. We're just playing by their game.

40:48 >> Yeah. >> And so I've learned the rules of the banking game on this credit product and I'm teaching people how to play within those rules. >> Well, like I said, I don't see a downside. There's got to be some people that are sitting there listening to this going, "What's the downside?" >> The downside is a lot. Well, some people don't believe in themselves enough to take the risk of borrowing money for their idea. I think >> What about Bitcoin?

41:18 >> I'm a huge Bitcoiner. >> Yeah, but can I can I take 150 grand in loans, buy Bitcoin, and in a year, hope to God it's up? >> You absolutely could. And one thing that I did, and I I don't exactly recommend this, but here's what I did. When Bitcoin dropped, I think it was within the last year, it went from like a h 100,000 down to 80,000. I'm like, "This is insane." I actually pulled from I pulled $50,000 from a business line of credit. Little different than a credit card. I pulled 50 grand from the business line of credit. Bought Bitcoin at 80 grand. Within like two weeks later, it went pretty much back up to 100 grand. And then I borrowed against that Bitcoin at 6% and then and then paid most of the business line of credit off and then through active income I ended up paying the business line of credit off. So you totally can use borrowed money to buy Bitcoin, but that's a more risky thing to do than putting it into your business for most people.

42:15 >> Yeah. Yeah. It all makes sense except for if I didn't have a way to make money. So, I could see somebody going, "Yeah, I like it, but I don't have any way to deploy that money and make money." >> Yeah. The avatar is someone that has a business or an idea or they're a real estate investor, and it's like they want to turn the gas on and make more money. >> Are you do you have like affiliate programs?

42:43 >> Yeah. to where like someone listening can be like, I know people that I could teach this to that need money because I'm just thinking like I'm you. I just want everybody in the world to know about it. >> Yeah, I appreciate it. Yeah, we do for sure. We have affiliate programs. >> Yeah. So, I'd be an affiliate just to make money and you do all the teaching. All I do is bring people to you. >> Yeah. We pay we pay a healthy amount.

43:05 >> So, and and I don't have an affiliate program listeners, just so you know. So, I I get nothing when they come. so if I say like, you know, I if I was you, I'd go, it would be no benefit to me. It's just I'm listening as like an uncle that's making sure you don't get scammed. But to me, it's like, dude, you're showing them how to get a line of credit. Like, how's that? How does it hurt? Where's the catch?

43:33 >> I mean, the catch is a lot of pe some people think, oh, I can just do this myself. And the thing is, >> why couldn't I? Why couldn't I? >> People can do it themselves. is just most people get low limits or denials and then when you do it yourself >> because they did it wrong >> and you do it wrong. Well, the thing is it took me a lot of time and a lot of data and thousands of people that I've worked with to get this good. I'm a believer in working with the best to give me the most peace of mind to maximize my effort. You know, time is very limited. I want to work with the best person to teach me exactly how to do it and get the best results.

44:09 >> And that's you. Absolutely. It's me. People can figure it out over a year, three years, five years like I did. Maybe it's shorter. Don't know. But I do know that I have the best streamlined strategy to help people get access to this type of credit. 100,000 200,000 it's for sure the best. Like I have so much data in terms of correlations on what that personal credit profile should look like in terms of the information to include on the business credit application like estimated business revenue. What should that be? How optimistic are we? What should your personal income be? Because on the application, it asks, "What are you reasonably expected to make?" Didn't ask what you made last year >> in your business.

44:50 >> Yeah. >> Well, what if you're really optimistic? >> Here's the catch. So, some banks, if you're really optimistic, they're going to ask for proof of income. If you're not optimistic enough, they're going to deny you because your business isn't making enough revenue. So, there's different thresholds. of these figures at different banks. Chase, you can be this optimistic. At Wells Fargo, you can be this optimistic. American Express is a little bit more strict. And so, someone who doesn't know these thresholds can go to American Express and be super optimistic. And then American Express is going to say, "Oh, actually, because of these numbers, we want you to connect your bank account because we want to see it." And they realized they were way too optimistic.

45:36 The money's not in the bank account. the revenue is not even there, it's not even close and know that now they're getting denied. And so that that in itself is a big component. It's building the strong personal credit profile, building the strategic banking relationships, also understanding what options are available to the person based on the state their business is registered in. And then four is completing the applications. What bank should go first? What should go last? How do you complete these applications? What information to include? What's the estimated monthly spend on these cards? Should it be$10,000 or should it be a h 100,000?

46:13 What's going to increase the chance of getting max funding approved on a top tier card? Maybe someone only needs 10 $20,000 approved and they're like, I'll just do it myself. That's more doable than someone wanting to come in, get a hundred grand for their deals in front of them. That's a lot harder to do. Not for me, but for the average person. So, I teach people how to do that. And if it's someone that has opportunity in front of them, they don't want to waste months, waste time, years figuring this out. I show them exactly what to do.

46:46 >> And what you guys were saying it costs, it's not even very much. So like why not just learn it all? Maximize everything. >> I think it's a really good skill to learn. I think there's a few things that have completely changed my life as an entrepreneur. It's and just really just having freedom. It's the ability to get access to capital through what we've been talking about, the ability to leverage credit card points for free travel. Like I've said, I' I've been traveling all around the world in business class and staying in overwater villas. And I'm not spending money to do that. I'm using my credit card points and you can do that cuz there's crazy strategies. So that just increases your person the the the quality of your personal life to be able to bring your girlfriend, boyfriend, wife, husband, best friend, whatever it is to this incredible location in the Maldes or whatever it is on for free on credit card points. And then another thing is tax strategy. You know, all these best things, amazing things that really push the needle forward, of course they're not teaching them in school. You know, I studied at a good university. They don't teach these good things. You know, Huskys.

47:53 >> Yeah. So, you got to figure these things out yourself. >> Yeah. so somebody that just just they have to have an LLC. >> They have to have an LLC, but you can just go file one with Prime Corporate Services. >> Two days later, you got >> Prime Corporate Services. You know, my boy >> Steve. >> Yeah, >> Steve's a good guy. >> Yeah, I like Steve. >> Shout out Steve. >> I like old Steve. I'm going to start sending him a bunch of business because I'm I'm I'm putting people in business for themselves, but just like in sales positions. and I'm like, everyone needs an LLC. Like, Cali should have an LLC.

48:30 >> It's true. >> She's like, well, what do you mean? I Everyone should have an LLC, period. >> More deductions. >> More deductions. You live as an entity. It's just a more advantage. And now, coupled with what you're talking about, get a line of credit. And and quite frankly, again, I mean, I'd get the line of credit even if I don't need it. >> Why? Well, it's like a gun, man. It's better to have one and not need it than to need one and not have it.

48:54 >> Yeah. >> And I don't really care if there is interest because it ever gets down to, you know, I was going to talk more about that 30-day. So 30-day, as long as you pay it off in 30 days, which is not normal, but dude, when it comes to advertising that like that one that 154 >> Mhm. >> it's got a, you know, 4:1 rorowaz. So 154, bang, >> come 6700. Well, pay off the 154, do it again. And as long as it's every 30 days, you don't pay any interest.

49:25 >> Yeah. So, to me, it's like, dude, that's that's the best way to maximize those when when they're when they're past the 0%. because that's technically 0% forever. Then, what about canceling the card or or how do I get another card from the Won't they eventually say you got enough freaking cards? >> So, it's not necessarily about getting a bunch of cards at the same bank. >> I just want 0% for a year every time. >> Yeah. So, like what we talked about at Chase when we like in that example of moving the old 50k on the expired 0% card to the new 20k card, now it's 70.

50:01 It closes the old one. Now you have one card at 70. And so, >> but 0% >> 0% for another 12 months, >> but that limits out at 150. >> That caps out at $150,000 at Chase before you have to start showing tax returns. Then you can get it higher if you got >> 0%. >> 0%. Yeah. >> Yeah. So, I don't know why you just helped the startups, dude. There's people like me that'd pay you just to show me how to do that.

50:27 See, that's another upper tier we were talking about. That's what I'm talking about. You guys got all kinds of you could probably monetize. You're just not. It's possible >> cuz dude, a guy like me, dude. I'd move payroll. I'd move rent. I'd move, you know, anything that I pay. Why? Well, because when I pay it with my cash, I can't make more with it. >> Y, >> but I don't want to pay interest, so I pay my cash. Well, if you said, Brad, I'll show you how to get 300,000. You got the returns, you got the income statements, you got financials.

51:00 >> Mhm. >> But I don't know where to go get half a million dollars in freaking what is it called? >> revolving credit. >> Revolving. >> Yeah. >> Yeah. Like I know where to go get a half a million dollars, but in a month I got to give it back. Like if I could get a half a million dollars for a year and give them 1% a month. >> Yeah. Yeah. >> Show me >> here. Here's where someone like you it might >> I'd give you a chunk of it.

51:25 >> Nice. >> That you guys should really consider that because if you figured out how to do it, but now now you need all this stuff that our normal clients don't have. >> But I do. So how do you do it still? >> One time one time I just asked my partner here in this company. I said, "Hey, go see if you can get us just a line of credit in case we need it." He goes, "What do you mean?" I'm like, "You know, just like half million million dollar line of credit, you know, in case we need it." Like, you know, hits the fan, you you might need it, you know. So, he went and filled out something online and dude, my phone started blowing up. He put my phone number in and now I get a thousand texts a day and it's these Hey, I can get you money right now. You know, and it's like those texts suck.

52:16 >> Dude, I cannot stand it. And I and I tell people like, >> "Oh, I don't really need any money. We just" And they're like, "Well, then why'd you put in your your information? I got your file here. I got your financials here. I got everything here. You're approved. >> Pre-approved. >> How much you need?" And I'm like, "I don't need any. I was just curious to get a line of credit." Yeah. >> I don't want a loan. I wanted a line of credit in case someday I can use it. Y >> that's not what they are. They're MCA merchant cash advance loaners, highinterest loan shark types and they're my they must have sold my name because it's all over.

52:53 >> They're aggressive. You want to stay away from those guys, >> dude. They're very aggressive and I don't and I don't like it. But too late, my name's out there. But I would have taken a line of credit. So, if somebody like BFA or Chase or somebody said, "Hey, >> I like your financials. I'll give you a million dollar line of credit should you need it, even if there was a little interest attached to it. I'm cool. How do I get that?" So, with business lines of credit, there's two ways to approach it. It's for the newer stage entrepreneur that doesn't have the tax returns, we have many different what we call no dock business lines of credit.

53:27 You can go in, Wells Fargo being one of them, and you can get a business line of credit without showing any proof of income or any tax returns. At other banks, a lot of them are going to ask for the the tax returns over the last two years. With business lines of credit, they are amazing. Like they have its own purpose in addition to the credit cards because a business line of credit serves as a bank account.

53:48 >> As you know, you can just transfer the money from the beock to the bank account. It just flows very easily and then you pay interest when you borrow. Generally around 10% interest when you're borrowing it. but it's very nice to have when you need for sure. I think it's very important people build that up. So, it depends on the >> if you don't need it, it's free >> for sure to at least just have it. Some of the some of the business lines of credit will charge you 100 200 bucks a year to have it, but you know, relatively low cost.

54:16 >> can you teach me how to get a black card? >> The black card at American Express. That is an invite only. You need to spend I mean, you're you're spending the numbers. >> and I have been for a while, but they never invite me. Yeah, I think you need to be spending a million a month. >> A million? >> I think it's a million a month. >> I helped a friend. I actually didn't really help him, but he was asking me to get him the black card and I told my MX rep, "Hey, this guy is spending x amount a month and I tried to, you know, refer him and he kind of said, I'll see what I can do." But it's generally an invite only thing based on the spend and and I think it's based on the amount of other savages who are spending a lot of money in your area because they don't they want to be very exclusive. So keep keep spending Brad >> or move to Twin Forks Iowa.

55:04 >> That could be helpful. >> Yeah. I want a black car just for shits and giggles. >> Hey, let me ask you this, Brad. Have you spent much time in Celane, Idaho? >> Yeah. >> Do you like it? >> Yeah. >> Why don't you live there? I don't like it that much. >> What do you like about Cordelane? >> The summer. >> The summer's nice. >> Yeah. I mean, the lake, first of all, has mercury in it. Most people don't know that.

55:27 >> I didn't know that. >> Yeah. But it's contained in in a certain part of the lake, but yeah, if you do your research, there's mercury in that lake, which I don't like. But it's a beautiful lake. It's a beautiful town. You know, I was up there with a guy named Ed Milelet one one summer, and I'm like, man, this is awesome. But I was in his house, which was amazing. So, I wouldn't have been able to afford that house. That's like I think he sold it for like 30 million.

55:50 >> Wow. >> But, I love the area and I want a lakehouse, but I I I wouldn't be there when it's cold and snowy and rainy. I would only be there for, you know, June through September. But, why do you ask? >> I'm considering moving there. I think it's a great place. I'm still figuring it out. Trying to figure out >> go up to Priest Lake. >> Yeah, we just talked about Priest Lake. Priest Lake is freaking badass, too. And it's not as popular, so it's way better value.

56:16 >> Yeah. Yeah. I appreciate how pro- freedom Idaho is in general. I live in Utah right now, and Idaho is even more pro- freedom. I think there's just a lot of good things about the people in Idaho, and I think when you look at certain things happening in the world, in the country, I think I think it's important to to be surrounded by a safe environment. Not safe just today, but safe in the next five to ten years.

56:41 >> Sand Point. >> Sand Point. Yeah. >> You ever been there >> once? >> Lake I think Pere or something. >> Pere. >> Yeah. Like dude, Idaho. Like I am looking for a lakehouse. It was funny that you say that. That's why I was wondering like how'd you know that? Cuz I am looking at Cordelane Pere Lake. I got to get up there this summer and and I'm going to get a lakehouse. >> Perfect. >> I love I love that area. Lake Tahoe is also pretty cool, but I'm starting to hear about Montana.

57:09 So, you go to Montana, dude. But again, you're talking about living there. >> Thinking about it. >> Yeah. But now you're going to be snow and all that >> I like the snow. I like the snowboarding. I like the snowmoiling. I like the winter. I like the winter sports. I like the summer water sports. I think >> then you'll love Celane. >> I think so. And I think more importantly, I think I like the people. the people that I've met so far are people that are on the program. And I think it's very important to surround yourself by as many people on your program as you can.

57:43 >> Well, when it comes to the end of the world which is why you say you would want to move there just in case type of thing. you know, Tennessee is is another great one. >> I think it's a good state. It's a little flat, but I do think it's a good state. >> Well, what do you mean, dude? They got the Smoky Mountains. It's not flat. >> Yeah, it's >> they do have the Smokies, but generally more flat.

58:06 >> Yeah. And then >> do you know why you know Afghanistan, sorry to cut you off. Afghanistan obviously no other country has been able to take down Afghanistan, right? The Russians couldn't do it. We really couldn't do it. It's Why do you think it is the terrain? >> The terrain. >> So Idaho, Montana, it's got the terrain. >> Yeah. Well, definitely Idaho. I love Idaho, as a matter of fact. you know, but but Cordelane's a little bit on the libtarded side.

58:34 >> not exactly. Spokane is in Washington, but the county Cordelane is in is 75% red. >> Really? >> 75. >> I was up there for Fourth of July. They have the the parades. The town's small but nice. It's great, dude. I'd be jealous if you if you go up there. But are you going to live on the lake? I don't know. Maybe >> you got to get a lake. >> I think so. We spot. >> I was looking at one spot on the lake.

59:05 So, it's it's in the cards. >> And if hits the fan, you wouldn't want to be in Celane either. >> Where do you want to be? >> Well, you want to be like places nobody knows about. Up around there though. >> Up around there. Yeah. >> Yeah. I came from Oregon. >> Okay. >> So, Oregon and Idaho are very similar. >> Yeah. Yeah. But the people are not similar. >> Hell no. The people in Oregon went to hell.

59:28 >> Yeah. I grew up in a small town in Washington. >> Yeah. Washington's very similar to Idaho. >> Yeah. >> Seattle's very red, aren't they? No, I'm >> Seattle's very >> Yeah. Portland, Oregon. Dude, when I when I came to Vegas, No, I was in Seattle when I moved down here. And I didn't even move here. I came here for a visit, ran out of money first day, had to get a waiter's job to get home, and never left.

59:51 >> Wow. >> So, people always go, "What made you move here?" I didn't move here. I came to visit and just stayed. But I was in Portland and when I was in Portland, it was awesome. Like it it wasn't like it is today. >> Yeah. >> But Portland and Seattle are very similar. >> Yeah. >> but Celane's night and day compared to those places. >> But I heard it's a little on the >> the the liberal side.

60:17 >> no, I don't think so. The data doesn't show it. >> Well, I'm sure you're doing the research. >> Yeah, for sure. When are you when are you making that decision? >> maybe next year. Maybe middle next year. But I think like >> you better save your pennies. >> It's less expensive than Utah. >> It is >> generally. Yeah, >> dude. Cal Lane, that is like a hot spot. >> If you're if you're living by Ed Mlet, it's expensive.

60:39 >> Well, that's where you want to live, right? >> I mean, yeah, but you know, I need some time to get there on that on that side. >> You don't want to live in a little hole out Echo Hollow. >> No, there's some good stuff. There's some good stuff. But I do think I I think it's really important for people to one define what freedom is for them and then make significant steps towards it. >> Do you think we're going down a path where being out in the mountains is going to be key?

61:04 >> I think there's an increased risk to things getting worse. >> Don't you think that it's going to not matter? Because if it gets to that point, bro, the whole world's in a big trouble. And where do you want to be if that happens? Surrounded by based people in good terrain that's beautiful and a good quality life or do you want to be somewhere else? And like another thing I did to take a step closer to my >> Everybody's everybody's going to change when they're when they're in that position like based or not like is my land son to me if you really want to be you know Sean Whan.

61:47 >> Yeah. So he's got this ranch thing he's building way out in the middle of nowhere >> in Utah, right? Bear Lake. >> I don't know. It's way out. >> Yeah. And I just learned about that. >> Yeah. But I mean like >> that's close to where I live. >> Yeah. But like he's he's doing it right. But but in my book like if you want to do it right. Right. You need a a network of people all doing the same thing to where you know 20 families are in that area. They've all made a plan. There's like it's a it's 20 of you. So, I'm going to give a shout out to a project that I've been very excited about and it's called a ranch. Like franchise, but ranch. So, Ranchise is putting together these projects. They're they're buying something like 500 acres of land and then subdividing them into 5 to 15 acre parcels and then >> offrid >> off-rid all the off-grid amenities like that. And then each parcel has a select number of animals and then the franchise management will manage all the animals together. So to to your point, it's like basically bringing people together with very common goals and values and basically bringing resources together.

62:57 >> I like that idea because I have a feeling again we're getting pretty close to some scary if you ask me. I I yeah, I I think life's pretty good, but I think things could get worse. And so, another thing that I did recently is got my private pilots's license. I bought an airplane last year, been doing a bunch of tactical training with former Army Rangers. And >> So, you're you're a prepper. >> I like doing those things. What I what I more what I more so like is >> for me sitting on a beach doing nothing, I get quite bored doing that. So, I just like using my free time benefiting like really building better skills, survival skills, >> flying my plane, shooting guns.

63:41 >> Wouldn't you want to build a house though? >> I will of course want to build a house >> with like a underground bunker and the whole bit. >> I've considered it >> cuz if you're ever in it like Thank God I have it. Like, bro, that is no way to live. I almost I almost like thinking if it weren't for my kids, I'd be like, "No, I'm going to be up on top." >> Yeah. Yeah.

64:00 >> Walking around lawless cuz it would, believe it or not, I may play too much Call of Duty, but dude, it almost sounds fun. Like, imagine just straight lawlessness where like, >> okay, let me I I hear you. >> Cuz if it gets that way, dude, you got to become lawless to survive. >> And I think you have to be prepared and you have to take certain measures to feel comfortable in that scenario >> or know someone who did.

64:28 >> Yeah. So, like one one time >> because I'll be heading up to Celane looking for you guys. >> I'll be like, "Anybody know where the MCL spread is? Where' Jack McCall?" So, dude, the other month in Utah, our our cell data went down. At the same time, the Wi-Fi went down. So, for two hours, we had zero communication with anybody. And at at some point, we're like, "Huh, maybe we should go to my brother's house where he has Starlink." And >> this happened. This was like four months ago. Like it's very rare for the Wi-Fi and the data to go down at the same time for hours. And then we learned there was multiple of the cell towers, the cell networks, Verizon, AT&T, multiple that were down. So it was like a thing. We didn't know if it was just the city, the county, the state, the world. We had no idea. And so >> so nobody up their cell phone worked.

65:19 >> No. And so we drove 45 minutes south to Park City and and finally the service started to kind of work and we kind of realized it wasn't a huge thing. But when we were leaving the house to drive south, we started to pack our guns, pack our food, you know, pack some things. Like we were leaving this house. >> Did you think we had no idea how bad it was? >> And fortunately it wasn't bad. But found out it was >> well then I would have been grateful that we had the at least the this resources that we did have. But it did make me think I wish I had more physical cash. It made me think I wish >> cash.

65:58 >> I mean it >> cash ain't going to matter. >> Some I think some >> who wants cash? >> Well, I think some I think >> in that situation, dude, guns and ammo is what you want. Well, we had some of that. >> I wish I would do damn near anything to get some more ammo and and one of them guns, but I don't give a about your $100 bills. Like, who cares? >> Yeah, fair. Fair.

66:20 >> I want guns. I want ammo. I want water. I want fuel. Water filters. >> Yeah. Like, I want survival for sure. >> I don't give a about your money. >> Maybe a little bit of gold. Physical gold. >> Not even gold. What am I going to do with gold? >> Well, you can you can carry a small amount of gold and it's a lot of value. With ammo, it's heavy. You know, you can't fit a bunch of ammo in an airplane. What is >> gold?

66:45 >> But the value, you know, you can get a >> there's no value at this point. >> I I mean, I think there's value. >> If if the hit the fan and you come to my house and you see a bunch of rifles and ammo and you see gold bars, you want the gold bars. >> It would depend on the exact throw them at somebody. No, I'm going to I'm going to use it to buy things. Who wants gold at this point?

67:12 >> It depends on how things deteriorated. >> Dude, have you ever have you ever been to prison? >> No. Have you? >> Yes. And a cigarette is worth more than a you know, >> more than you think >> because you can't get a cigarette. So when hits the fan, guns and ammo is gold. >> Mhm. And not only that, whoever has the guns and the ammo can can take everything else from people. So it's like, you need guns and ammo. That's why a lot of these liberals, they don't understand. Like they're like, "Let's get rid of our guns, dude. If Listen, this is just for all the gun in the world. I if you don't have guns, right, because we're good law- abiding citizens and they outlawed guns, right, then the good people like me and you and everybody else, we wouldn't have guns.

68:07 Well, who would? Well, the police. That's what the dummies think. No, dude. The ones that aren't good people because they're not giving up their guns. They're criminals. They'll break the law. And so now criminals have guns. So why would you want to live in a world where only the criminals are allowed to have guns? Because if I'm in a lawless society, dude, guns are what's going to matter. Guns are going to keep your family safe. Guns are going to freaking be the gold.

68:39 So when Simma says, you know, get gold, dude. If it gets that bad, your gold. your cash. your Bitcoin. Give me some guns. Give me some ammo. And give me some good friends. And then give me a mountainous area. And now I'm set. And give me some animals. Boom. >> Yeah. But I'm telling you, there's people out there like, but they're not they're not anticipating total, you know, societal chaos. But again, I mean, and and hopefully that never happens, but and you think, "No way." But dude, trust me, hits the fan, first thing they're doing is taking out power grids.

69:19 You know what happens when like, let's just say hit the fan, the first thing they do is shut down communication. It's off. What What happened to you in that little area? >> Yeah. >> Whole United States. So you better have a satellite phone. Do you have one? >> Not yet. I just bought a Starlink. >> Yeah. And by the way, they'll shut that down, too, if they want to. So like the military is who matters because the military shuts down the freeways. So, you can only drive so far. So, you think, "Well, I'll just drive up to Utah." No, you won't. They'll stop you right up by Hoover Dam and right up by you know, whatever mosquite. They'll they they stop transportation. They block the roads.

69:58 Military comes in and puts up barriers and fences. Your your your don't work. You're staying where you are. And I don't want to be in Nevada because now there's no power, no air conditioning, and it's in the middle of the summer. Ooh, you're in trouble. You're up there in Idaho, you're good. But again, dead of winter, I'd rather be not in Idaho with no power. But hey, here's what I'll say to the military closing the roads.

70:24 You want to get to the airport as soon as you can and fly out of there. One of the reasons I bought an airplane last year is to have more freedom and flexibility of moving places if you need to. And so I would just go to the airport, hop in the plane, dip down to Vegas, and now I'm calling you. Well, you better be quick because they'll shut that airport down. >> It's possible, but if you have the right plane, you can land on the dirt.

70:46 >> Yeah. Well, this is to me like this is where I start to think, nah, I guess if it gets that bad, dude, I give up. >> Yeah. >> Like I I I'll just sit in my house until someone comes to mess with me. And guess what? You better come correct. >> Yeah. >> And I'm And you know, people are like, you you know, you need all these guns and all these ammos for barter. Yes. >> To use I only have two hands. How many guns can I use? So, all you need is one gun and a little ammo because with the gun and the ammo, you can get more.

71:20 >> This is true, Brad. This is true. This is true. >> Yeah. So, I mean, like, you don't need to stockpile a armory unless you're going to like literally use it for barter. And that's what I would say is valuable because imagine that hits the fan. Someone says, "Hey, you know, Jack McCall, he's got a whole armory and all the bullets and everything." and I didn't have any weapons. First thing I'm doing is going to Jackson. If you want my cash, I'll give it to you. You want my Yeah. You know, >> well, here here's the thing because I think a lot of people aren't >> I don't know how this got on to survival, >> but here we are.

71:49 >> I think there's a lot of people that aren't taking certain precautions, etc. So if you have certain resources, you have the compound, you got the armory, you got the stuff, then you can start recruiting people for the the sake of the compound, potentially the sake of the the town or the city. >> The community. Yeah. >> Community. Exactly. Yeah. >> Cuz your community goes back to small. And that's why I said you want 20 friends. I like that. Ranch rancherize.

72:15 Ranch >> ranch. >> Yeah. I like that because dude, that's who's going to survive those things. They're going to be small, tight communities with guns and ammo and animal and livestock and off-grid setups, meaning power, you know, fuel, food, and perimeter. >> Totally >> high up. >> Exactly. And I >> You ever play Call of Duty? >> yeah, of course. >> Yeah. Whenever you're around, you know, and there and there's a few people left after you waste most of them, what do you what do you want to do?

72:46 >> Get high ground. >> It's true. It's true. like whoever's up there shooting down is who's winning. >> It's true. And and I think for for for people a lot of people who are either, you know, still working W2 jobs or they really haven't created the financial independence for themselves yet. I think now more than ever, you really should be turning on the gas. You really want to define what the freedom is for you and reverse engineer on how to get to that point. For me, it was starting a business and creating financial independence through that business.

73:15 making certain investments in real estate, investments in Bitcoin, Bitcoin miners, buying an airplane, learning that skill, getting better at tactical training, whatever it is, like whatever your definition of freedom is, I would very strongly encourage you to start taking massive steps towards that. And it generally starts with making more money. And generally what I've found is if you have access to more money, you can make more money. And that's why I love with what I do teaching people about how to access money is it because it empowers them on a very great resource that hopefully they can put to amazing use and then make more money. So I'm very pro- freedom and I help I love helping people get access to money so they can pursue lives of freedom.

73:58 >> The three cards you said again everybody should go get. >> Well, it depends on it depends on what the intention is. There's cards that I have to earn points. There's cards that I have on personal cards and there's business 0% cards. So, a couple of my favorite business 0% cards. One of them is the American Express business plus card. I won I earn two points per dollar spent when I spend on this card, but it's 0% for 12 months. You ideally want to find the 0% cards for 9% at Bank of America, 12, not percent, 9 months, 0% at Bank of America at AMX and Chase.

74:38 It's it's 12 months 0% same with Wells Fargo and some of the smaller credit unions are 18 months of 0%. >> And you know all where all those are >> for sure. >> Yeah. Whole nation nationwide. We also have a database of a lot of no do business lines of credit. If someone wants a business line of credit, their business is 2 years old, but they don't have the financials yet. Then we have a a list of many banks they can go to to get a $50,000 business line of credit if they need, which comes at 0 or 10% interest about. This card, I think, is a no-brainer card to get approved at on a personal on the personal side. It's the built credit card issued by Wells Fargo.

75:17 This is a card you can pay your rent on and also kind of through a backdoor strategy, you can pay your mortgage payment on this built card. There's no credit card processing fee because they give you an account number and a routing number and you can pay your rent payments on the built card and earn one point per dollar spent. >> And that's revolving. >> That is revolving. So, it's at Wells Fargo, which is a tier one bank. It's also on my list of high limit personal credit cards. And that's part of the strategy on personal cards. You want to build up your collective personal credit limits. So, it's tier one. It gives a high limit and you can pay your rent on this card with no processing fee and you earn one point per dollar spent. So if someone spends, you know, three, four grand a month on rent, annualize that over the year, you have tens of thousands of points that you can use for a business class ticket most places in the world. You know, like 70,000 points business class most places in the world with the right strategy.

76:13 >> Is is is the point thing included with the credit card strategies? So point stacking, the point strategy is not included. It's a different program, but actually what we're going to do for your listeners, Brad, is include the point stacking program with anyone who decides to join credit stacking, which is my main offer where I to where I coach people on credit. For anyone coming from the dropping bombs podcast, we'll just include the point stacking in there.

76:42 >> So just say you're with the bomb squad so he knows >> bomb squad. Exactly. >> Bomb squad. And then you My wife is going to join. >> Perfect. Yeah. >> I want her to be an amazing point user. >> She's going to crush. You guys are going to crush it. >> Well, I mean, it's just it's foolish not to. You know what I mean? Like I pay retail and, you know, I hate look using coupons and I hate doing, you know, all the I call it welfare Like it just almost embarrasses me to where like, you know, I've got a coupon. So, I never do that. But I don't mind if my wife, who usually books the tickets and books the travel, she's used to me, so she just books. There's no looking at points or, you know, point stacking. She just books, books, books that, which is why I have so many points because we never use them. And I and I and I go on trips all the time. I'm going to Disneyland here pretty soon. Is there some trick to Disneyland?

77:35 >> I don't have a trip for Disneyland. >> Nobody does except for guys, go get a AAA membership. AAA. It's like I think the best membership you can get is let's say 190 bucks a year or something and you get I think it's 20% off at Disneyland. >> That's the trick right there. That's the Bradley Disneyland hack. >> Dude, I'm telling you the reason I have a AAA I don't >> I mean I buy my cars are always too new to need AAA but >> it's 1,000% to save 20% at Disneyland.

78:10 >> Nice. That's huge. That's huge. So, if your family's lame like mine and they love Disneyland, which I can't stand Disneyland, I like it because my kids like it and my family likes it. They love it actually, but I don't like it because it's just dude, you stand in line to stand in line to pay high prices and you don't really ride much. So, now you're forced to get a VIP host. Yeah. >> Which are like 750 bucks an hour, 7 hour minimum. So, basically 5Gs. and then they used to walk you in and make you feel like a champ and now they just get you in the fast lane and you wait like everybody else. So, it's just getting worse.

78:50 >> I wonder if paying for that guide kind of protects you a little bit from some of the gayness. >> Nope. >> No, you still get it. >> You definitely get it. >> So, you got to be careful out there. >> Well, you're not in the welfare lines, but you're you're in the fast lanes, but still. >> So, at least you're moving. >> You're not VIP. You're just a fast laner. Might as well just might as well just bought a fast lane.

79:12 >> Fair. Fair. One thing you mentioned reminded me of something. You're like, you might as well, you know, take advantage of this. And what I remind myself of is the United States has the best banking system in the in the world. >> You just said that like Trump. >> That's funny. They have the best banking system in the world. It's true. >> It's true. It's a very beautiful banking system. The best in the world. These 0% cards you cannot get in any other country. Kind of Canada like on one card, kind of the UK like on one card barely, but it is it is amplified in the United States. And so when I see people not taking advantage of it, I think it's a disservice to to the business owner.

79:57 And especially with the credit card points and the and the status you can get at some of these hotels. It's easier for an American to get status at Marriott than it is for a foreigner, too. And so, when you travel internationally and you have status at some of these airlines or hotels, you just get much better treatment. You get free breakfast buffets included, you get the upgrades, etc. It's insane. And one thing that I just thought of is I think for a lot of people, some people, they value controlling their schedule a lot.

80:31 Like I really you probably really value controlling your schedule and I think some people don't exactly value controlling their own schedule as much as they could. Everyone has their preferences but I think when you get access to money and you can put that in your business and you become an entrepreneur business owner, you can then start to buy some of your time back. you're controlling your schedule. And I think for a lot of people that fits in the definition of freedom for a lot of people and if you don't have that yet and that's important to you, then I think you should probably take some pretty massive steps to make that happen.

81:14 >> I think I'm going to white label your program and call it jumpstart. Jumpstart funding. Just teach them what you're teaching them. Call it jump start because it's good for people that are just getting started. They don't have the money, but they really have the ambition and the desire and the smarts and the business plan. They need a jump start. They ain't got the family. They don't have any of that. Boom. There's your answer. And then and then next level funding, which would be let me show you how you take your business to the next level. Cuz with a little cash infusion, you really can crank crank it up to the next level.

81:45 Even if you just put it into marketing, >> you know, sometimes it's the it's the marketing that's holding people back because no one knows about them. So, you go get 300 grand, dump it into marketing. As long as you get at least 300 grand back, then more people know who you are. Even though you didn't really make any money, more people know who you are. Do that three, four, five months in a row. And because of that notoriety and that trust level goes up because you're seen now and your brand's bigger even though you didn't make a dime, you just kept regurgitating that same 300 a month. If you don't have the 300, you it take you years. So, I like your program, folks. you go follow him. Do your own due diligence.Jackmall creditstacking.com.

82:29 If you if hits the fan, you know where to find him. He's in he's in Idaho with some with some goats and some guns. And also to mention for anyone interested in in working with me, if you DM me Brad on Instagram, then we'll give them that that point stacking offer included for >> All right. You got a school platform, don't you? >> Yeah. >> So you guys can just go go to school s k what's it called? Credit >> credit stacking. The best way is Instagram jackall DM me Brad or creditstacking.com/brad and we'll get a >> You already set that up or you're going to? We set it up.

83:09 >> Nice. You guys are freaking on it. All right, folks. Thanks for coming in, dude. That's a lot of value for these guys. You guys go get your money if you if you if you need some. And until then, keep it real.