Fortifying the Meaning of True Wealth and The Art of Mindful Spending

I'm not saying it has to be the entire conversation , but I do want to talk about some of the tricks that I have , or some of the things that I think might help some people with some of the things I'm really really good at . Okay , rick , how was your week ? Before we move forward ?

I was working with a bunch of staff people that was like five of us at a conference table and we were sitting and talking and we were having this conversation the topic of Chris Hemsworth we're all working really hard , clearly and how good looking they are and I was just minding my business , not saying a word , and of course they asked me and I said I think

Chris Hemsworth is absolutely gorgeous , but he's not sexy . Okay , I know I think he is stunning , lovely , gorgeous , beautiful , whatever , beautiful , family whatever , but I don't think he's sexy . I think Brad Pitt is sexy . So the whole conversation became that I was wrong that they're both sexy in their own way . So that's what the whole gossipy thing was .

And then I started saying , because someone said , well , brad Pitt is a horrible person because of what he did to Angelina Jolie , I was like , do you know him personally ? Like what happened ? And they were like , no , you know , I read about it . I'm like , so you read about it in the gossipy , like internet and whatever .

So you know for a fact that everything that happened was true . So of course , I brought down the whole conversation because it was all light and lovely . But my question to you is how much do you deal with gossip ? How much do you enjoy reading all the gossip , even if you can't verify it ?

You know what I mean . So , kimberly , oh , come on , those Shafiq magazines are just fun to read . Don't mean it's all real , but it's entertainment , it would be . Except that then it goes down this thing where people are hating on someone that they don't know . So people were trashing on Brad Pitt now because they're like oh yeah , I forgot .

I forgot what he did to Angelina Jolie . He should have stayed with what's Rachel's name from Friends or whatever .

It's not just gossiping what you're talking about , which is old school right , hanging out in the neighborhood trash chalk , and it's not that . It's when we promote stuff that we can't verify , whatever it is , whether it's in politics or in the news or about a celebrity , and I think we need to be very careful about that .

And it's also how we end up not liking or going to movies or canceling things , right , because we heard something we can't verify , you know . So , anyway , that was all that was that was about , okay , For me it's like if it ain't none of my business .

My only thing about the Kardashians and about some other people , like people who become famous for doing absolutely the bare minimum kill me . You know what I mean . Like that's just I don't know if that's a jealousy thing on my part or like why ?

You know what I ?

My friend Mia , who I love with all my heart everyone knows she's one of my best friends Years ago she was always saying to me like I don't know how you do it , even when things are bad , you're still okay financially . You still figure out a way . And I was like , yeah , I'm good , I'm fine , and that's happened before , like people will always say that .

So , number one , I just wanna preface this by saying I don't have children . So people have to understand . When you don't have children , I'm all irresponsible for me , so I can take a lot more risks than most other people . So if I'm living penny to penny , you know what I mean and I don't have nobody else to feed . There is that part of it too .

And then , of course , I have friends who are in the same boat and they still can't make ends meet , right . So I wanna share some little tricks of things I know and I actually still practice these today and I don't think anyone would call me frugal or cheap , or what do people call me Boojie .

But I have no problem spending a thousand or $1,500 on a pair of shoes If I want them and if I . You never need a thousand or $1,500 pair of shoes , but I'm just saying I don't have a problem with that . But I would never not pay my rent to buy shoes . Do you know what I mean ? I would never do anything like that . And also , I love them .

And then they keep them forever so they don't go out of style . You know what I mean ? I'm not buying like crazy stuff , but all right . So I just wanna give some tips . I just told you why I'm bringing up the subject , so the first one's gonna be on ways to save money . It's not gonna be a boring conversation . I just wanna know if people know this .

What are you looking at , Rick ? What happened ? No , I'm just looking at the camera , looking at you , I was like what's going on , some on my face , some on my face Okay . So I think one of the interesting things and people do this all the time and I learned this lesson a long time ago People who have money don't spend money on crap .

So you know how people are always spending money on , like everyone in LA has to have the latest newest car or the latest newest iPhone , right ? I just I know two people who I work with who had perfectly working iPhones , but they went and bought that new iPhone and these are people whose salaries I know , cause I hired them for my client .

Are we having feedback issues ?

And I think they're already on , like S24 or something you know , cause they keep trying to , they keep sending you those notices saying really will upgrade you for free because then you're gonna make my plan be more money , like I know how this works , you know . Right right , right .

There's also this thing where people buy stuff based on a label as opposed to quality , and so Steve says , no , I'm keeping my iPhone 11 till it die . That's the way I do it . Yeah , it's gotta be broken and dying or not working . Something's gotta not be working .

So I plugged it in yeah , so it's gone . It still won't . Yeah , it's dead , it's dead .

But one of the things that's happened as I've worked for over 25 years for extremely wealthy people both people who've made their money or people who have just old oil money right , I've seen it all and what I realized is that it's only poor working folk who care about labels Like when you have actual money , you don't need to be bling , bling it all over the

place , you don't need to be proving that you have money . Yeah , so it's an interesting thing . So someone said to me like ooh , you're always wearing t-shirts . Where do you get your t-shirts ? Are they James Pierce or James Purse ? I guess is how you say it . Those are like .

Those t-shirts are like $300 , $400 a piece , and I've had them in the past when I had to go into work and I worked for a design company . You dress the part , you do what you gotta do , but no , I wear gap t-shirts . I wear gap t-shirts Like . I love gap t-shirts .

They're like $30 , they're fine , so I think that's one of the things that is probably the biggest saver of money for me is that I'm never chasing the latest thing . And I've said it a million times I've had the same car for 20 years , and that's a big deal in LA , In LA you do not keep the same car for 20 years .

They don't want labels . It's just . I appreciate that They've figured it out much quicker you know what I mean Than the rest of us , but so that's probably the biggest saver of money for me . Like , I'm not hooked on brands at all . It's all about quality . That doesn't mean cheap stuff . It doesn't mean buying cheap stuff .

So that's one of the things I wanted to talk about . The other one that I think is really important is people get so messed up about coupons .

So I'm gonna talk about coupons because I think that's the biggest one and during , kind of when things were really bad 2008 , 2009 , when the economy dipped down this was kind of like where I really did my best with the whole . People get confused about coupons and you can do digital coupons .

I still use coupons today and I make plenty of money to turn around and buy whatever I want in the grocery store . But like anything , once it becomes a habit , you just do it . Here's the problem with coupons when you get coupons in the mail , or even the digital ones , the mistake people make is they clip things they don't need .

Use a coupon of something you've never bought and if it's not the name brand that you buy , do not buy it , because that leads you to more coupons from that brand name . Like if you don't buy Johnson and Johnson baby oil or something , but you're like , oh , look at a coupon , dollar off .

Now you're gonna get coupons from Johnson and Johnson for everything and then you're gonna get sucked into buying more stuff . It's just . You know what I mean too . I see me says my mom loves saving money , like she will argue with an employee over a fine molecule one . Okay , but that's that's wasting your energy . See , I won't do that .

. You know , now I , I really like digital coupons and I only use the coupons that are cash Right . So the ones that are like two dollars off of something you know not like , oh , if you buy five , like that's that thing too . So this is the other one on the list . I Don't I said this before I don't need 35 rolls of toilet paper . I am one person .

So that's not really saving me money , because then what is it gonna do ? It's gonna be sitting in a box in my little apartment Annoying me in my 10 years . I'm accident assault , I don't know . But you don't need to do that either , because you also want to save your space and your energy and you want things to be aesthetically pleasing .

So you got to think smart . You know Nobody needs to wear all stuff , but I know the whole coupon thing . People don't like to do it , but it's free money . It is and once you get into a habit of it , it really is just easy .

Like it comes in the mail from my grocery store , I clip all the ones I know I don't need because I've never bought those before , and I know the trick . They'll start sending me all that crap . And also , if you've never eaten that before , why do you need to start all over ? You know what I mean ?

Yeah , one of the easiest tricks too is whenever you go to the grocery store I only have two more things about grocery stores , but they're important always go with a list and never Deviate from the list .

I don't look at nothing new , nothing whatever , and yeah , sometimes it'll be the two of the same thing with the different size . One has a coupon , one doesn't .

50 cents or a dollar and when it's delivered and that is what angers me about it's not fair . If you're playing also a delivery price , so yeah , you should use your coupon because that's how they're making their money .

So if I buy baby , clearly Carmen uses Johnson's baby oil on her skin after showering , so I keep bringing it up , but that you know that might cost $3.99 right in the store , but then they're gonna charge you for $9.99 . What's Uber Ears ?

$800 a month is quite a bit . You know and and it's only because like , if people don't know I handle money for a living for my clients . So I'm basically a glorified bookkeeper , but I'm really good with money . So that's the other part of it . Right , I know every penny I spend .

The other thing this is something most of you already know , but just in case someone out there doesn't know , when you walk in the grocery store , everything that is eye level Is something they're trying to sell you . So everything that is when you're looking at shelves , that's not the stuff you usually buy .

The stuff you usually buy is either way on top or on the bottom Right , because they're trying to sell you something all the time . So be careful of that . Always look for what you came in to get Bread people are always consumed with the color of the bread tag . Right , if it's a yellow , it's a Monday , if it's a blue , it's a man , none of that .

Always get your bread . This is not to do a saving money People , just about getting your freshest bread . If you're not going to a bakery which I don't do bakery bread , cuz whatever , it's just me your bread is in the front right . Always reach to the back . The freshest bread is always in the back of the shelf , so always grab that .

That's just a little trick , you know I've done that .

What color tag he's ? Like it's not the tag .

So I always eat something before I go to the grocery store , because I know how I am , all of a sudden , I need chocolate cake , I need ice cream I didn't need none of that . I was supposed to be going there to get some eggs . You know what I mean .

You kind of already shared what you were talking about .

You know what I mean , because then it's just getting annoying . But , yeah , those are great . I always use those when I'm shopping online for , like , clothes , you know , like if I'm buying socks or if I'm buying something , because you can always get these codes and they .

You're right , you don't have to do anything , you just have to show up on the website and then it automatically goes from your browser . The only one I use is capital one . What did you ? You called one , honey .

So I just I scroll down the whole thing till I find the cheapest one . As long as it doesn't look like it's a crappy product , then I'll be there . All right , there it is . That's one of my get the cheapest one .

But I would also stay away from as many subscriptions as possible , because here's , here's what I noticed . For me , if I have , this is more bulk stuff , like if I buy Three things of my cream right , because I'm like , let me just buy it in bulk because it's gonna be cheaper .

So if you have all your cream and you don't do your due diligence to get all the cream out of the one you have , because you know you have a second one , shake it all out . But when I only have one , you know I'm in there scraping , pushing it through like whatever , and sometimes there's a lot left over .

Like . My whole thing is like I buy one and I buy two and then when one is done I replace the other one .

Steven , I'm sorry . I got rid of Amazon Prime three years ago and that's kind of . You know , that was a thing on the list . The reason why is because for me it wasn't worth it . I don't use it all the time in order for Amazon Prime at $119 a year I think that's what it was when I was paying for it .

To be worth it , you have to at least order at least that minimum order at least . I think it was 12 to 15 times a year , which I did not .

So if you order on there and you use their music and you , you know , use their whatever other things that they have , they have like I don't know , if they have like grub hub , you can use that for six months for free or something the delivery there , like , if you use all of that stuff , then it might be worth it , but I don't use Amazon Prime at all and

also all my other subscription , rick knows . Rick was like oh , you have to watch this show on Paramount . I got Paramount for three months , got rid of it like I haven't , you know , because you keep paying for all of these things whether you're watching it or not .

Now I know I I handle money for a living , so it's a little bit Crazier . But if you're gonna do that , if you're gonna get subscriptions to everything , you should be at least watching that once or twice a week , because if not you're just throwing money away . You are that is like and it's a lot of money Hulu , disney , paramount , amazon , apple .

You know like I went today to Ulta , which is not a mom and pop store at all . I went today and I bought some foundation Fenty , fabulous . I feel like my skin is shining , but I've never used it before so good . But I walked up there and it was just kind of nice . You know where .

I could have just ordered it online and had it delivered , but so I kind of use that as a whole kind of exercise excuse to make sure I get out of the house and do things and get out of the office .

They call it a boost , and so it has certain stores and you turn on the boost for that store and you get like 10% off , 20% off whatever the boost is for that week , and then you just use that credit card and you get money off just for when the boost is .

But those are the things I spend money on because I don't have children , and I'm not trying to say that . You know , having children is the issue . I'm just saying when you're comparing yourself to other people , remember you don't know other people's , you don't know what else they're dealing with , you know ?

And I know people who are poor or working or heart , you know , like blue collar , regular people and even though there's the struggle and there's sadness , sometimes not being able to pay your bill or do what you gotta do , much happier , much more sane , much more realistic about things . That's not to say that all rich people are all poor people .

I'm just saying in my experience and I've been doing this for so long now I feel very comfortable admitting that I think some of the people that are the hardest working people , if they were given an abundance of money , would do a much better job of handling it . I'm not saying the lottery type of thing .

I'm saying like , let's say , like you know , this show blows up or something and we're getting an abundance of money and we're doing well or whatever . We'd be able to handle it , I think a little bit better , also because we're older .

But some people who like born into money that I worked for , or people who made their money and made millions really , really fast and they just went through so much trauma before they got on an even keel . You know and have just as many issues , and we've all heard the cliche that money doesn't make you happy .

It doesn't , but it does give you a whole hell of a lot more choices . No doubt about it . You know I'm talking about how hard it is to find a job with a college degree .

What people don't understand about money is you know what ? I'm going to give you an example . It's not that it makes life easier .

It actually makes it much more complicated , because when you have this much money , a lot of my clients that I've had in the past , they were so worried about who their friends were because they started questioning why people wanted to hang out with them .

And I don't mean in a little way , I mean anybody , anybody who would call them , anybody who would try to network with them , anybody who would try to have dinner with them , anybody , even their friends they'd had for a long time , who have just as much money as they do , you know like , because with money comes some power , right ?

So now it's not even about money . So if you and your other person are making millions of dollars and you're both doing well and you've been friends since high school , now it's about who has more power . So it's an interesting dynamic to watch these people fight about now power . It's a next level thing .

So money doesn't make life easier , it just gives you more choices . I think that's really important to understand . Going back to what Steven was talking about , a college degree is not what it used to be .

It just doesn't mean the same as it used to be and in this day and age of the internet and social media and content creators and people who can make money doing things technically online or on the internet , I wanna encourage people to go to college and get a degree . I'm not trying to say people should not . For me it was life saving .

Patty Corcoran , who was on earlier , was one of the people that , when I was in college , was my saving grace , because I was someone who should have probably never been going to college . I wasn't ready for it and she helped walk me through it . You know , but a college degree nowadays isn't enough to secure a job .

Education and learning is never a waste of money , and I'm never gonna regret my degree from the University of Vermont because the people I met , the person I've become , all the things I learned while I was there , all the friends I made , all the family I made . Don't do that to yourself . Don't sit in regret . That's not gonna help you at all .

Steven , if you haven't decided yet , maybe you'd be interested in IT , there's another . There are certain jobs like no offense , accounting and bookkeeping . Here's the reason why I keep my job , because , don't matter what's happening in the world , rich people always need people handling their money .

It's very hard to write your own bills , but jobs like being an IT person , electrician , those jobs are never gonna go out of style .

We were talking about money but talk about making more money . Yeah , you know what ? Try not to be negative about what's

I mean . I know it's easy for me to say right now , but I was in the same boat back in 2008 . I lost my home . I didn't have a job . It was hard times , right during the economic downturn . It was really tough to get a job . I couldn't get a job for like three years . Three years I was doing odds and ends .

I cleaned out this woman's garage for like $1,000 . I was just putting myself out there doing a , you know , and I changed every resume . I'm like I am an organizational whatever . I forget what I wrote . I made it some major thing like and I came out and was organizing people's stuff .

You know , I felt pressured to go to college after high school and I didn't know what to study . That's why I chose psych . That's okay . You're not supposed to know what to study . I didn't know either . I was an economics major , which I can't believe . I was like economics major for a minute . I was polysine major , political science .

I ended up not knowing for so long . I then became a film and English major . So cause I had so many credits in English and then I was doing a minor in film . So , yeah , don't beat yourself up for the good thing that you did , which was become a smarter , more evolved human being . Don't ever do that to yourself .

By the way , can I finish this off this way ? Money ain't nothing but a thing . So whether you have money or you don't have money , it does not define who you are . You are in a situation right now where you need to pull yourself out of a situation . That's okay . That's the journey we're all on in life and we've all been there at some point or another .

And if you haven't , then you're not doing life right . You know what I mean . So see the blessing in it . It's a tough time for you . I'm not trying to minimize that , but you're gonna get to wherever it is . You need to be Trust in that and be positive and joyful about who you are . And look at your critical thinking .

Just in this stream alone , you're doing like you know . I'm thinking about this . I'm thinking about that . I'm analyzing why I did that . That's all critical thinking . That's all great stuff , you know . So you're gonna be fine and your mom cares about you , right ? That's what mom's supposed to do . So she worried about you . She gonna ask her questions .

Everybody's gonna ask their questions . You keep true to you . Keep true to you , you're gonna be fine .

I cannot tell you how many kids of the people I've worked for who are older hate their parents , and I don't mean like mommy , I hate you , you did it . I mean like they're not talkin' to them and they're like 15 . You know what I mean . Like they've moved to another country cause they can . You know what I mean . It's weird , you know .

So I know no one believes me . I would not trade my life , and Dre and I talked about this all the time , cause then Dre has had the same clients I've had , like we've worked for the same people . We would never , ever trade our lives for any of the people we've worked for .

I am telling you on my mother's grave I would not trade , I would rather go back . I swear to you and I'm saying this with love and kindness to give some people some hope on there A lot of you know that as a kid I had a really tough time . I would not .

I would rather go back and have to live through that again than live any life of the rich people I've worked for . It's just , life is not about money , and the reason why we are obsessed with money is because it's marketed to us all the time , it's pressured to us all the time and we think what we don't have , our life would be better if we had it all .

You know what I mean .

If you win the lottery , call me , I'm gonna hook you up . Okay , I'm gonna help you . But seriously , like , look it , I know I'm kind of different on this . It's not that I hate money . I love that , no matter what kind of money I have , whether I have it or I don't have it , I love that .

No matter what situation I've ever been in , I'm gonna tell you when I have money and I'm gonna tell you when I don't have money and I'm gonna treat you exactly the same way , whether I have it or not . And I'm telling you the only reason why I'm like that is because I've been working so long in this town and I've seen how money changes people .

People become so paranoid , people become so questioning of their own self-worth . Like , do they like me because I have money , or do they ? I'm like , why would you even question that ? Okay , I'm gonna tell a little story . So I had this client once . I think I said this before . She has since passed away but I had a client once who we met at Barney's .

I told the story before because that's where we had to meet to do some work and she wanted to meet there because she was shopping or whatever , and we were eating popovers . That was a thing I guess it still is and I went to go to the bathroom and what I did was I paid for lunch .

You right , I wanna just pay for lunch and be nice to her , because she was always paying for everything , whatever . And when I came back to the table she asked the waitress I think it was a waiter , a man , it was a man , the waiter if she could have the check or whatever , because we had to go . And he was like , oh , it was all taken care of .

And she would look this is how crazy she was . She was looking around , she was looking to see if one of her friends had paid it , because her lowly little PA assistant would have never paid it . You know what I mean . And I was like I paid it . She got upset about it . Why would you do that ? Why would you do that ?

I'm like because you always pay for everything . Like I just wanna do something nice , I just wanna be . It was really hard for her to take it . She thought I wanted something from her . Are you gonna ask me for a re ? I mean , look at me , and Arlena since pass away , so I don't mind saying her name .

She was a wonderful woman and we became pretty close after a couple near the end of her life and our Andrea knows her too , knew her as well too , and she was a lovely lady . But one of the things that was interesting about her is that she would she talked about the things that she regretted in her life .

And the things she regretted in her life was she always had nannies for her kids . You know what I mean . She always had . She was always doing non-profit stuff or she was always out doing stuff and she wasn't around for her kids . And she would say things like you know the way in which you talk about your mother .

I don't think my kids will ever talk about me that way . Like it's an interesting thing , like now , I know her kids love her , or whatever . You know what I mean .

Like it's just an interesting thing to see someone who is so powerful and has so much money and is doing such good in the world , like she gave her money away to people all the time , like she had a non-profit and she was , but still in the inside she was not happy .

I'm not saying don't be happy We'd all be a little happy if we got a little extra money but you got to put it in perspective . It's a tool . So how can you use that tool to the best of your ability to make it grow , to move it forward ? Don't go and spend it crazy .

That's what everybody does when they get a lot of money they go spend it on crazy stuff .

You have a little security , you know . So you'd say , yeah , I try to really make the most of the time I spend with my see , that's the beautiful thing right there . I'm telling you , time is your wealth .

He's somebody who talks all the time about money , about the stock market , whatever . And we were collaborating on a project together . So I drove down to actually meet him face to face and we were sitting there and I was like , yeah , but how did you make all that money ? And he was sitting there with his drink .

It was like 11 o'clock in the morning or 12 , you know what I mean . Like with the drink and we're in the bar . He wanted to meet at a bar restaurant . Okay , so I'm giving you some hints here about drinking at 11 o'clock . And he was like you'll make money , carmen , don't worry about it . Keep all the other things you have , your reputation , your friends .

He's like I know all the people you work with . It's like you have the . And he was . I was like yeah , yeah , but how did you ? Like I wanted to know , how did you make all this money ? And he was like I would give it all up to have what you have . And I was like okay , then Drop the mic .

Every time I see him on CMBC I always remember that Like yeah , that's a drop the mic moment . Yeah , so anyway , so is Ted on right now . We should jump off so we can go visit him . That's the goal . I'm glad we talked about this a little bit . I think I hope it helps some people and , at the very least , I hope people understand that you'll have money .

You won't have money , but you still want to be your best , authentic self , and that's what you should be working on every day . Every day , yeah .

I manage people , so maybe I can help you and I'm not going to charge you nothing . That's not how I do it . But I'm just saying if I can help with your resume or anything like that , please let me know . Happy to help in any way I can . That's the best I can do . What was I saying ? I forgot what I just said . Oh , I know what I

said . If I had a lot of money right now , or even just oh , yeah , yeah , yeah . Like , if I had an extra let's say $3,000 a month , that's a lot . I had an extra , I would just hire someone to do edits .

Like I already talked to somebody , I don't have the money to pay him , but he would be so worth it to do all the clips , the editing for the podcast , because , you know , after this I download it and then Friday morning I'm up trying to edit for the audio and then Saturday , sunday , I'm sitting here doing the clips , putting it on social media , then I'm

trying to answer any and all emails or whatever , and I'm just trying to really come up with it .

That's about how mad as I get . You know what . Look at it . Everyone's had debt . Everyone's had debt . Richest people I know have a lot of debt right , which that always kills me . I remember talking to Andrea one time being like this is how rich people have money .

They borrow from Peter , they pay Paul , they make a profit off of Paul and then they sell it . You know like what is this ?

If you can pay off your credit cards as much as possible every month . It took me a long time . I only have two credit cards and people are always trying to give me more credit cards . I'm like that's good , it's all good , Thank you .

But what ends up happening is you end up buying more and then you're paying 27% or 28% on a credit card that you didn't need to begin with and you're paying a yearly fee to have it or whatever .

Because let me tell you one of the first things I did when I got into this business , I was asked to clean up my boss's credit rating . When you have money , all you got to do is use that money to clean up . You can clean up your credit rating like that .

When you have money , you just call those collection things , you pay them the bill , they go in and they fix your credit rating and all of a sudden you had like a whatever , a five-something . All of a sudden he had almost 800 in like a week , maybe three weeks , and I was like see , that's just the lack , because his father gave him money .

So it's like wait a minute . Are we over here stressing OK now ? So if you don't have a great credit report or a great credit rating , that's OK . You're going to work on it and fix it . But again , do not let it define who you are . Do not let it .

When someone says no , you can't take out a loan because your credit ain't good , say thank you very much . Thank you . I appreciate you . Thank you , move on . That's not someone you want to do business with , because all of that is a facade .

Go to them and tell them that you want to lock them . Okay , they will freeze them or lock them , which means nobody can go in and try to get a loan against , like . So if somebody steals your social security number , for example , and they try to take a loan out , they're not gonna be able to go and get a loan because they can't .

Your credit report will be locked . My credit report has been locked Since like I don't know two thousand whenever they started doing it all three of them . Now . You're probably wondering yeah , but what if you get an apartment and you need the landlord needs to check your credit report ? Then and now , it's so much easier .

Before I had to call three days beforehand . You know what I mean and I just did this gesture , which lets you know it was before cell phones as opposed to this . All you have to do is go online and unfreeze it , and you can unfreeze it for whatever days you need to , and each one is a little bit Different , but it's it's like instantaneous .

So like when I got this apartment three years ago , whenever it was during COVID , you know my landlord's like , yes , I'm gonna have to look at your credit report . I said , okay , great , which one like you can even ask him . He's like trans union . I said , great , I opened it and he was able to go look and then it closed again .

So you can try to steal my stuff , but you're not gonna get a loan , you're not gonna nothing , because it's going to say you need to unlock your blah blah so you don't need all of those $15 a month things . They're making so much money scaring people have to death .

Also , if you have a credit card , you can look up your credit score for free usually on any credit card nowadays , because they offer that . But still , don't let that define you .

You should never really use your debit card if you don't have to , because that's taking money out of your Bank account and even though most banks will , will try to get the money back for you . That's your live cash . You don't know how long that's gonna take .

So I always advocate , even if you can't get a credit card because of your credit rating or whatever , you could definitely get one of those credit cards at the store and put money in there , because if that gets stolen , it's only the money in there . It's not your check and it's not your savings account .

It's not whatever any other counts you may or may not have . So , man , I did not know . We won't talk about .

And let me tell you , the richest people I know , who are friends Okay , some of them are the cheapest People I've ever met , you know , and and like they're not , like that's kind of what I'm saying is like money is such a big deal to them that when you actually Go to that person and ask them for money , they're all of a sudden like , oh , I can't , I

ain't got no money . I'm like oh , I Know what you drive , I know how much money you got and you just did that to me . You're out , it's us . You know , and that's how I know , when money defines you or defines your relationships , you're not somebody I want in my life , right ? Hmm , hmm , no way .

It was a compliment and I always forget that because I get stuck on how much I hate some of the things that I have to do . You know , and I manage a team , I help people and I know I'm good at it . But just because you get it something doesn't mean you want to do it all the time right , exactly .

You know , somebody said to me you should have been a therapist . Like you're an amazing therapist , like you always get us motivated , help us , and I'm like , ah , you could not pay me Enough money to sit down and listen to people's crap that I don't care . That's funny but yeah , okay , all right , rick . Well , thank you so much .