If XRP Hits $100, Most Holders Still Won't Be RICH
In this livestream, Kamilah Stevenson blends crypto market commentary with personal finance coaching. She opens by questioning the likelihood of the U.S. "Clarity Act" passing and the impact on XRP’s price, noting that even a $100 XRP price would not automatically make most holders wealthy. The core of the video shifts to a deep dive on financial self‑audit: distinguishing expenses, liabilities, and investments; using budgeting apps (Rocket Money, Monarch) to track three months of spending; and recognizing how money reveals true values. She argues that comfort‑driven spending undermines wealth creation, emphasizing that the heart follows money. Stevenson then outlines practical wealth‑building steps, recommending a Roth IRA with iTrust Capital to hold crypto assets (XRP, XLM, HBAR, etc.) and highlighting the tax‑free growth potential. She warns of macro‑economic risks (bond yields, oil spikes, rate changes) and stresses the need for emergency funds and disciplined cash‑flow management. Throughout, she mixes audience interaction, personal anecdotes, and calls to action for her membership community where she will cover advanced topics like staking, wrapping, and yield generation on XRP.
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Hey, it's Kamilah Stevenson, and around here we talk wealth. Go ahead and like the video and subscribe if you are not already subscribed. And, uh, listen, XRP is destined to win, but that does not mean that you are destined to win. We are going to have some grown folk conversations about this today, all right? Let me know in the chats. I see you, I see you. Do you think Clarity, uh, Act— the Clarity Act will pass this month? They're saying if it's not done this month, we can forget about it. Do you think this gets across to the finish line? I feel like we've been saying this every single month. Go ahead and share this video with someone who needs it. I'm telling you, we're going to talk some good stuff today. After that, all right, I am going with my members And, uh, there was a question that I got asked about, uh, staking and rewards and yield and, uh, and wrapping and collateralization and all of that. And so I'm going to talk about that in my membership right after we leave here, and I'm going to revisit the conversation of me wrapping some of my Flare and connecting it with the Flare Network. So I'm going to go ahead and answer that question today and help Everybody to understand again, uh, the difference between these different, uh, terminologies, and, uh, so people can not be confused about it. Obviously it requires interacting with a DeFi protocol, and so again, we'll be talking about that in the membership. De— uh, staking and wrapping and rewards and, and yield, getting yield on your XRP or getting yield on your, um, Solana or whatever it is that you're trying to make extra income from. And, uh, and how to collateralize. And so we're going to dig deep into that. That's something that we need to talk about. What's going on? Seattle is in the house. Clarity Act will not pass this year. I'm almost 100% sure. Why are you 100%? Hey, do you know information we don't know? So, uh, Ripple's legal team that worked on the XRP lawsuit, uh, they predicted that it would not pass also. I do remember that back in, uh, when I went to XRP Las Vegas. So, um, Thomas, why do you say you are 100% sure? I don't know. I, I've been back and forth. I, I was hoping that it would pass, and I'm just waiting to see what is going to be the case. Um, I'm praying for it, but yeah, this is a tight schedule, let me just say that. And then we have Steve that says, I do think it'll pass this month, though all the momentum is swinging towards yes. Even law enforcers are giving it a thumbs up. Okay, so we have some people feeling like it will, and I feel like the poly market changes every week, you know. I, I just— I don't understand. Uh, Chris says won't pass till next year, we aren't even close, man. All right, so I guess we'll see what happens after this week, you know. Um, at this point I'm going to enjoy watching. I'm sorry. The paint dry. People need to stop sipping hopium. Oh, listen, um, we are— we are here to get ourselves together. If you know anything about me, you know that I think you are the biggest asset there is, okay? So even if you're waiting on a particular asset to do well, it doesn't mean that you will do well. And that's why I started off with this, and we're gonna have some grown folks conversation about this, all right? So XRP doesn't need clarity, it's already granted by the courts. Uh, yeah, that's right, that's true. Um, yeah, there's a lot of, uh, institutions that still won't get in because they're afraid, basically. And so, uh, the Clarity Act is to help the scaredy cats, right? But there are some institutions and there's things already in the works, okay? Um, but it would be nice to have the, uh, just for crypto in general. Yes, XRP is born to be, uh, available and the savior of a liquidity crisis. So there is still opportunity for XRP to do well if there's a liquidity crisis, but that is very connected to events taking place, right? Uh, Mike said it's not an option, uh, it's not an option not to pass. Okay, so yeah, so, uh, somebody said I am sipping hopium with the 10,000 XRP. Uh, it's, it's— listen, XRP will do very well, trust me. Um, We just have to have the time horizon for it. Uh, there are, there are events that need to take place, but I want to talk to you about something even more important. Because listen, if you talk to any economist, if you talk to anyone who's been around for a very long time, we are showing the same patterns of a crack in the system. And, uh, there's things coming that's going to be very devastating to a lot of people, and I don't think people are still aware of that. Um, remember, we got, you know, like, the oil spike has not gone away. The, the residue of that spike is not going anywhere. It's already in the plumbing regardless of how long it takes for people to feel like they actually, you know, feel it. Um, there are some countries that feel it worse than others. There are reserves that are leaving. This isn't something that can fix itself overnight. And I think we're looking, uh, past the reality of what's taking place already. And some people are just so day to day to day to day with everything that they're not looking at the overall scope of what's, uh, taking place. And, and a lot of people are going to be in a lot of trouble. So let me ask you this, uh, when it hits, uh, $100, we will be well off. XRP and a few other crypto will too. Um, when you least expect it, expect it. Yes. Uh, but you may be well off. Everybody's not going to be well off because a more money, uh, just magnifies the issues that people have. And if you have an issue with mismanagement and not having intelligent stewardship over your resources, then you're going to have more power to, uh, mismanage more. Okay, so, uh, the wealth makes you more of what you already are. So if you are not already a, a good manager of your resources, then you're going to be even worse when you— you're just going to have more money to mismanage. So, and I'm going to help you, uh, to assess that today, like to be able to find out where you are on this journey. Because it doesn't matter how much money you get, wherever you are, you're going to be bigger of whatever that is. So I hope it's something good, but I'm going to help you to understand how to assess that. And let me ask you a question first, right? Wansi, I think Clarity Act will pass. I just can't wait till we get to, uh, the end of this month to figure out what the actual, um, uh, what's the verdict, you know. Uh, I've been praying that it will be passed, you know. Uh, please don't disclose your holdings. Yes, that's a good— thanks for saying that. Please don't disclose your holdings. Um, it's not safe. Yeah, you don't want anybody targeting you for anything. And be very careful of the scams and, uh, anybody in the comments that's saying that um, to call them or anything like that. I'm not going to give you my WhatsApp number or anything in the comments to call you. I do have a team that works, uh, but they— it's through a funnel, a particular funnel. And I do have some people who reach out to me to make sure it's my team. I do want to say nothing I say is financial advice. Everything I share is for entertainment and educational purposes only. Do your own research. And, um, I want to ask you before I start, because I want to get your permission Can I get your permission to be honest with you today? Can I get your permission to tell you the truth? Can I please get your permission to tell you the truth? I want to ask that first, okay? Um, say I'm trying to make more money from XRP so I can retire. That's, that's good. Um, that's, that's— I, I get that. Um, what do I have to say? I have a lot to say about that. Um, but that's, that's really good. So you can retire. So you want to, um, the best thing you you can do is become an investor and learn how to steward and manage your money and your resources and organize them and protect them and structure them. And, you know, because it's nothing wrong with making money. The problem is that people lose money because, hey, they get more money and then they get a bigger lifestyle. And I mean, it's just disastrous, right? Um, okay, I, I'm looking at the— what's up from the UK, Paul? What's going on? Yes, tell the truth. You can't handle the truth. Thank you, thank you. Okay, I feel good, I feel good because I am going to tell— oh, somebody said lie to me, this might not be the channel for you. All right, all right, all right, all right. Um, so thank you for allowing me to be honest with you. Go ahead and like the video, um, subscribe if you have not already, and we are going to have a hard conversation and I'm going to tell you something. And the reality is, is that I I don't like living a lie, even to my own self. Like, if I got an attitude or if I got something going on, I at least want to be honest with myself about it because I can't change anything that, um, I'm not really aware of. Like, I can't— if I'm, you know, a lot of people lie to themselves to make themselves feel good, right? So, um, yes, uh, say don't understand the XRP makes going to work worthwhile. Yeah, I think so, I think so. I think so. All right, you guys are, um, I, I think XRP is going to do well, guys. Um, you guys know my stance on that. I've, I've, I told you all, even some of the documents I've been reading, um, from the past, I'll share them soon down the line, but I'm looking into more. But it is, it is crazy. Uh, Josh said no. Is that no? Don't be honest if you don't. I have enough people to say yes, so I'm going with the yes, okay? Now, uh, hopefully you guys had a wonderful weekend, holiday weekend. For those who are in the United States, we just celebrated the Fourth of July, and, um, you know, everybody cooked and, you know, I'm sure ate really good. But I want to bring you back and I want to sober you for what's ahead, because like I said, there are some trying times ahead. And I want to start with this truth, and we are going to walk through this because I wanna— I just gotta be honest with you guys, and I, I watch, I watch behaviors, I watch people. I, when I go out, I'm looking at what they're spending their money on. And, uh, I just know that for some people, investing is like something they're doing haphazardly. It's, it's a secondary option for them. Um, and I want to wake you up a little bit today, and I want to share something about yourself that you may have never known. Okay, it cannot drop because it's locked in the market cap. It would only drop if weak hands and fake investors will sell, would lose. I think, um, I hope that, uh, the market drops a little bit more. We saw Michael Saylor um, is selling some more, which, you know, it's all— man, listen, we might get— we, we might get some, um, some selling pressure, and I'm ready for it, the opportunity. Because, and listen, I think that they— the market needs maximum, uh, pain, maximum pain and fear and all of that. And when we get it, that makes me feel good, all right? Orlando, we are just getting started. So let me start with a hard truth, uh, Orlando. I just asked the people, are they okay with me being honest with them? I'm going to be honest with you today, all right? Somebody said BTK to 50K, can't wait to load up. Hey, if it go that low, I'm loading up too. If you go to the 40s, I'm loading up. Let me start with something that I want you to understand about yourself. You're going to learn a lot about yourself, and I promise you it'll— it will help you on this journey. And for some of you, you will pivot. You will pivot from this place. Because some people are still— they think they're somewhere where they're not, and I just really want you to pivot. All right, and then I'll get, um, I'll get, uh, into the market buying dips with profit gizmo. So cool. Okay, say I'm bored with, uh, been swapping XRP for Polymarket, then buying the dip with profits. You having a little fun? Ain't nothing wrong with it. All right, uh, George said the truth must have a time limit. All right, um, let me start here, okay? Um, because I want you to understand something about yourself and make the changes necessary, right? So where I'm going to start is what, what this is all about. I know some of you all, uh, would say if I were to ask you, hey, what do you value? Are you an investor? Are you trying to invest? Most of you all would just swear that you are like, you in it, you own it, all of that. And that's great, but the proof is in the pudding, okay? What you say you value is nothing but a wish. If I ask you what you value, what you say you value is nothing but a wish. Where your money goes is the proof, okay? I— journey with me because I promise you it's going to be profound. Okay, you can tell me that you value family, that you value your future, that you value freedom, because a lot of people are like, hey, I just saw some comments that said, you know, hey, I want to get rid of my job, all of that. You can say you value your faith, and you can literally, in your heart, you can mean every word of it, but if your money flows somewhere else, then somewhere else is what you actually value, no matter what your mouth says. And I'm going to help you to learn something about yourself so you can self-correct. Your bank statement is the most honest document that you own right now. It does not care about your intentions, your good excuses, or the story that you are telling yourself every day as an investor, whatever that looks like. It just shows you what you have chosen, okay? And Most people have never looked at what they're spending money on. They have never sat down and they have never audited their own life. So the first thing I need you to do at some point this month in July is do exactly that. And I'm going to walk you through, um, what it looks like, you know what I'm saying, how to do that. And I'm gonna just reveal a lot in this, in this conversation. I'm going to reveal a lot. And, uh, this— I don't want this to be theoretical in your mind. Like, no, like, you got to understand, you can't listen to like what you feel, like your heart, or no, I know I want to invest, I know I want a better life. No, no, no. What you value is documented. I need you to find out what you value. Don't, don't, don't, don't assume. Find out. What do you value? Because up here and here and all of that, it's kind of vague. If it's based off of a feeling, um, it's based off of maybe even what you want, you know, even maybe what you desire. But I'm telling you, the proof is in the pudding. I need you to find out what you value. Don't tell me what you value. Find out. Here is how you do it. What you're going to do is You pull up the last 90 days, 3 full months. Please do this. And you can just go to— and I'll get to the Super Chat, uh, in a minute— you can just go to, uh, is it Monarch? What is the, uh, the app? You can— you— there are apps that can show you. I think it's one is Monarch, um, Rocket— Rocket what? Put some in the— if you, if you know some of the apps that help you to pull up your, uh Rocket— no, not Rocket. Rocket Money, I think that's a free one, right? Um, connect, connect your accounts and figure out— go to the— or just look through them. Go to the last 3 months of your bank statements, connect your accounts to some of these apps that categorizes it for you, okay? Please. And you— Rocket Money, okay, Simon said yeah, and it's free. I think Rocket Money is free. Okay, so, um, Monarch Money, that's an app. Please connect your accounts there. I need you to find out. Do not tell me. Don't, don't, don't even tell yourself because sometimes we lie to ourselves. We really do. I'm going to walk you through this. I promise you it's going to be good. Thank you so much, Praxis. Um, great channel. I appreciate this so much, the Super Chat, and I'll get to some more, uh, if I see it. But I want to walk you through this because I need you to pull it up, the 90 days. And why I say 90 days, because sometimes a month might lie. You might have had a good month, like, all right, this it, I'm about to get my stuff together. And but 3 months is going to tell you the truth, like your A1C levels. Like, you can look at your glucose and you can manipulate your blood sugar right now, but if you get an A1C test, that's gonna really tell you what you've really been doing with your body in the last— glucose in the last 3 months, right? It's gonna give you an average. And if you get your insulin test Now that's gonna, that's gonna really give you some background, okay? Connect you again, connect your accounts or whatever, and I need you to see every single dollar you've spent money on, uh, whether it is, um, uh, your housing, your transportation, uh, whatever your car costs, your mortgage, your insurance, um, your, your note, whatever, uh, your, your what else, gas, your repairs, uh, your food, uh, and that, that's groceries and eating out, your delivery, that's That's part of it too. That's part of the eating out one, okay? Subscriptions, entertainment, shopping, your debt, your payments, whatever that looks like. I need you to see what you're spending money on and whatever is left, whatever I didn't mention. Then I want you to do a small thing that most people are not going to do, is whatever is like— whatever you feel like you can pull back, take the, the small recurring stuff All right, um, yeah, take the small recurring stuff, right? Say it's all gone. What's all gone? And out— or your money. And I want you to multiply it out to a year. So whatever is recurring, those small things like the streaming bundle or whatever app subscriptions, your coffee, your daily coffee, your food delivery with the fees and the tips and the markup and all of that, I need you to annualize it. Why? Why? Say grown kids. Because things that feel small by the day are huge by the year. They are enormous by the year. And your mind only ever feels the daily versions of that, okay? Your mind is always going to only feel the daily versions of it. You're not going to see it until you see how much it is per year. Okay, now, so thank you, I appreciate this honesty. People actually need to hear this. Most people say I'll do it later, including me. Yeah, we all do it. And so I understand human, um, human, uh— so I'm a big fan of the channel, but as someone who has a solid handle on spending, this content is not applicable to you. I'm out. That's fine, that's fine. And it's not to some people. Right? So say, but $10K now, and, and I promise you, so, and it's more than just— I'm, I'm going to talk to you about more than just this. Is— I'm— trust me, listen, listen up, because I'm going to reveal a lot more with this. So again, when you see these little conveniences that's adding up to thousands of dollars over the year, thousands of dollars you never would have— you know what, these are These are thousands of dollars that you would never hold on, hand over in a lump sum if somebody asks you to. But when you see it, hopefully you'll know, okay, the audit is doing its job. I need you to see this. Now let me go over into this. Okay, that was just a quick— let you know, I want y'all to do this for yourself. And I don't care how advanced you think you are, you gotta see where your money is going. I'm telling you, it's going to astound you, I promise you. Now let me tell you why you've been avoiding this, why some people don't do this. Um, and I want to explain this because I want to take all the shame away. People don't skip the audit because they are intentionally undisciplined. They skip it because they're looking at, um, at numbers that make them feel guilt, and guilt is painful. So the mind is going to look for ways to protect itself. It's a defense mechanism. That's why people do it. So a lot of people don't want to look at this They just want to keep moving day to day. They never want to stop and audit and analyze. I don't care how wealthy you are, you need— every, every business owner knows this. You do quarterly earnings, you stop, you look at your numbers. This is the same with your own personal finances, and it's human to not want to do it because you are trying to protect yourself. But here's what I need you to understand about this: the purpose is not to make you feel bad about the past, because everything that you're looking at is from the past. The past money is gone. And honestly, if there's no amount of guilt that's gonna fix whatever you've done in the past, okay, the purpose is to bring back the steering wheel to go forward, okay? So now what you're doing is I want you to look at it with the eyes of a manager reviewing a business. Like I just said, you need to look at where your expenses are going as a manager reviewing a business. And I'm telling you, if you don't do it at this point, you're not going to do it when you're portfolio goes crazy and you got all this money. Now you got more, more money that you should be managing, that your eyes should be on, and it's not going to do that. This is why I'm telling you that most people, if XRP went up and their net worth went up tomorrow, they would not be able to survive this. Why? Because you won't do what's required of you in the small stuff, and you automatically think that if XRP goes to $100, that all of a sudden your character is going to change. You don't realize that's not the case. You're gonna blow it, and then you're gonna look up and have a lot of regret because you didn't do the things that it required of you to become a different person. Because it is all about you becoming, okay? Now, no shame, information. What this is, is this information for transformation. I always say that, I always say that. Thank you so much, Paul. Um, thanks. It was hard but so worth it. So I'm telling you that habits have to be built beforehand. Like the video because I'm going to share some more stuff. Okay, now when you, uh, when you look at your audit, I want you to run every huge expense through a filter. This is what you need to run it through. And again, what I'm telling you, you're gonna do when your net worth is huge. All right, you're gonna have to There is no successful business. There is no multimillion, multibillion, multitrillion business that don't do this. There is no business that don't look at their numbers. At least they should be looking at their numbers. There should be some kind of audit of their numbers to adjust them. Information for transformation. Where do we need to pivot? What do we need to do to get a good return, to get a good ROI on our investment? Even if you're looking at a business, you still are looking at it as an ROI. Do I need to adjust some stuff? Do I need to fire somebody? Do I need to, you know, hire somebody like to be able to scale? Like, these are all decisions you make from an audit. Even if you don't think you need this, you do. I'm telling you, because the way you're going to manage when you become wealthy, you have more responsibility now to manage, not less, more. So if you think this is tedious and ABC and too foundational, you are not going to do well with managing the more if you can't manage and steward the little. It's a principle. So when you're looking at your finances, you need to look through the lens of 3 different things. Number 1, an expense. Number 2, a liability. Number 3, an investment. Expense, liability, investment. And you want to learn the difference, um, because if you learn the difference, then you'll look at your purchases very differently. All right, now an expense— all y'all know is— thank you so much. Look, biblical. Yes, it is. And we look, we, we think biblically about this stuff because the Bible gives us the framework and the blueprint, right? Good to see you, bestie. Tiffany got it. Expense, liability, um, and investment. Thank you so much for the Super Chat. I started an asset holding company. I love to see it. I love to see it. That means you got assets to hold and make sure you assign those assets to that holding company. And you're going to be managing— you're going to be managing that company, right? You're going to be managing and stewarding over your net worth, okay? An expense is something you consume and it's gone. Food, gas, dinner out— expenses are not evil. I do not want to say that. We have them. You have to have them to live. But the goal is just to be intentional about them. I don't want you to bleed through— so all your money going to expenses. That's not the right way to do this. A liability is something that looks like an asset, but it actually takes money out of your pocket every month. That is your fancy finance car. That is the too big house that you may have, um, things sometimes that you can't afford— the boat, the timeshare, whatever. You got a car, it's sitting in your driveway, it looks like you're wealthy when you have this expensive car while it drains you actually in the background. It's a quiet thing. It drains you. And most people think they're buying assets when they're buying— collecting liabilities dressed up to look impressive for people who don't care. You, you do. You care, but they don't. And you think they do, and so that's why you do what you do, because you think they looking at you and you think that they care, and they don't. You care more than they do, okay? And the third thing is an investment. Which is something that puts money back into your pocket. I know this is simple, but you need to be able to separate the three. Something that puts money back into your pocket or grows in value over time, a real asset ownership, or listen, a skill that raises your income, okay? Something that feeds you basically instead of eating you, okay? So here is where people fool themselves. Let's get into the meat. Okay, I had to ramp you up. They take a luxury, a liability, and they rename it an investment so they never have to feel bad about it. I'm investing in a nice car because image matters. I'm investing in this experience. And sometimes it is true, I'm not going to say it's not, but very often it is a comfort that is in a facade as an investment. And we have to rename it. And that's how we give ourselves permission to stop the bleeding, to stop the, uh-oh, this is another liability, another liability, another— every time I'm back, another liability. And you'll see how many liabilities you keep buying, and your brain is rewired to keep doing it because you're on autopilot. Let me give you something specific, uh, very specific, because principles are, are very easy, and real life is to me where things get uncomfortable. I had to tell my own daughter, okay, um, something that I don't know, some— maybe some families might think it's a little harsh or whatever, and oh, we— that's your responsibility as a parent and all of that. I get it, because most of us, uh, as parents, we spoil our kids and we give them way too much, and they need to work for more of what they need. And I was telling my coaching group that, you know, I've asked my kids to lead with value, because like even with allowances, right, you give— you give your kids allowances. And listen, I've done all of the wrong things. Um, and what, they're capped? Okay, they're getting money for what? For what? Every month you just dependent and you sitting there, dude, twiddling your throat, um, fingers, your thumbs, and you waiting on me to give you some money? That's not even how life works, right? So I had to teach my kids, you lead with value. You lead with value. If you want money, you come and you say, hey, um, can I clean the garage? Can I clean your space? Can I wash your car? Can I do something with the yard? You figure it out. That's not for me to figure out, it's for you to figure out. How can you add more value? People are just used to going to somebody and asking for more money. Like, why, you know, where, where is the— and this is why people just, can I have, can I have, can I have, can I have. How about you leave, you find a way to give value and get paid for it, okay? So that's what I tell my kids, because in life, when you go to your job, you know, you know, you don't want to go to your boss like, uh, I just want a raise. For what? Who are you? What you done to want a raise? But I tell people, don't go ask your boss for a raise. Go and ask, how can I, uh, you know, develop this, this, this program? And, you know, some— something that requires value. And then you can ask for negotiation of what this value adds to their business and maybe how much you can be compensated for that value. Okay. And so, can I clean your shoes? Nasty. Listen, if somebody came, if one of my kids came and saw some of my dirty shoes and asked, can I— this is actually not a bad idea. If you got shoes that you want cleaned or shined or whatever that looks like, lead with value. You know how, um, you used to walk through like, um, the airports and stuff and you have people there? That's to me better than like standing on the street like asking for money. Lead with value. There's a lot of skills that you have that a lot of people don't have. Even the people who's outside entertaining— I'd rather you be outside entertaining. You go to Las Vegas, you see it all the time. They outside working, they're entertaining, and people give to that because you're entertaining me. And that's a principle. Like, we go to basketball games, we go to comedy shows, we go places and we spend our money to be entertained. That's value because you're making the experience of this trip a lot better for me. And I'm telling you, that's how the real world should work, is that you lead with value. Right? And let me say this too, if I give them an allowance, they are capped with how much they can make because now you're just sitting there waiting on this. But the more you can figure out ways to add value and add skill on top of skill on top of skill, then you can now increase your ability to make money. And that's what I'm trying to teach my children. And so now I got my 16-year-old son. I, I ain't saying nothing to him, but he outside and he He, he in a, you know, he doing yard work for people. And I'm like, where are you getting this money from? Then he's, he's, he's sent me like some videos and he showed me what he been doing. He been cleaning up Airbnbs and he been like, I'm looking at him in the videos rake and he cleaning and singing and stuff. And I'm like, oh, you, you actually really out there doing something with yourself. And, and the only reason why he would do that at 16 without me saying anything to him is because I always teach them you need to lead with value. How can— is there anything you— it's, you know what, you will go along. See, in my generation, we would walk to houses. Can I, uh, you know, can I shovel your snow? Can I cut your grass? Uh, would you like a glass of lemonade that we prepared? You know what I mean? You lead with value. Okay, there was a guy who built— and I'll get back to some more— but there was a guy who built a multi-million dollar business. Uh, he was working with his father, he was working on cars and stuff with his father, and he just was like, I just can't do this no more, this ain't gonna do it. And he saw his father struggling and stuff. He was really, really good at, um, design, fashion, making suits. And so He decided to go on the street one day, and he would— he went to like barber shops and places where men were, and he would walk up to them and he would say, listen, he said, let me measure you, okay? He was a young guy in his 20s, early 20s. Let— can I measure you? And in a couple of days I'm coming back here and I'm going to have a suit ready for you, and you don't have to buy the suit, but if you like the suit then you are able to buy it. Like, I'll have it for you for— at a cost, if you like it. So no risk to you. All I need to do is measure you, and then in a couple of days when I come back with this suit, we'll see if you like it or not. If you don't, that is totally okay. Do you understand? That's a low risk. That is a great offer. That's a great offer. No risk to me. Other than I stand here and get measured for a custom-made suit. And so, long story short, this guy built a multi-million dollar business that way, adding value. He went to places where he knew men was, and he know men like a good suit, and I got a skill set where I can custom make a suit for you. And if you don't like it, that's fine. I might find somebody else who can make the suit. I still got the suit, so hey, it's still valuable to me. Right? We need to understand that there are principles to, to getting money, and we don't need another handout, y'all. I'm sorry, no, we don't need another handout. We don't need another person to depend on. What we need is an opportunity. That's what we need. And I'm telling you, there are opportunities coming to this, this market. There are opportunities coming to this market, and I'm trying to help to prepare your mindset for Okay, now let me say this too. Um, oh, this is what I was saying. So my daughter, uh, I can clean windows, I get it. Yeah, like a lot of people— listen, I remember one day I was cleaning out my basement and I needed to find somebody to get rid of the junk. There was a guy in one of my group, he said he's going to start a, um, a business where he picks up junk. I'm like, that is a good business. Let me tell you, when I'm ready to get rid of junk, I just need somebody to come pick it up. Okay, there are a lot of different things out there that you can think through. And if you stuck on— I, I say stuck on stupid, I'm sorry. If, if you stuck on stupid because you waiting on the government to give you a handout, or you waiting on somebody to pay you for somewhere, why don't you just take that same energy and now invest it in creating some type of like way that you can give value? It's some kind of gift that you have, some kind of skill that you have. We all have them. We all have them, and this is how we should live our lives. So anyway, I told my daughter, I said again something that I think people would say maybe harsh, I don't know. I told her, I'm not paying for you to go out of state to take basic prerequisite classes for your undergrad. I'm not. Um, they, they're the same intro classes that you can take right here when I have invested a roof over your head, food and shelter. And to me, paying a premium just to go take the standard first-year prerequisites for for college, that's not a good investment of my money. Now, if you want to do that for yourself, go right ahead. But I'm telling you, you could actually take those same classes for much cheaper, not have to pay any room and board, have food on the table and a— and shelter, and you can save your money and invest it. Food. Yeah, I said food. Like food. Like, if you're in my house, you're going to be able to have food. Right? Food and shelter. I mean, those are your— one of your biggest expenses sometimes, right? Well, taxes, you know, but I'm talking about for a teenager. Like, they like to eat and stuff. So of course, you know, your mom or your daddy, whoever, we gonna feed you. But you go somewhere else, I'm not sending you money to be like Ubering and Uber— you're gonna be doing Uber Eats. You're gonna waste a lot of money, right? And I did— we did buy her a car. My parents said the exact same thing, plus they bought me a car. Absolutely. And I, I— and we got her a car and stuff too. We just told her, you got to get a job because you— we're not paying for gas. Like, that's your expense, right? And so a lot of— listen, and I— sometimes old school parents, because I know, like, my sister did the same thing with her daughter. She said, hey, you are— it's way too expensive. Like, you only taking— you're taking these basic classes you can come home and take these classes. But of course, old school, you know, your grand— the grandparents and stuff. Oh, but they're in a good college and, you know, they— that experience for them. I get it, I get it, because you're in that culture. But I'm telling you, I don't know how financially intelligent it is at this point to waste money that don't need to be wasted, especially for somebody who don't know where they going yet. Like, like, I'm like, well, what do you want to do? What do you— you know what I'm saying? Like, they kind of still in between world at this point. And they can always take those prerequisites for much cheaper, and they can figure out what they really want to do. And then when it's time for them to really get into the, the heart of their courses, then they can go away to college. I'm just saying, in the environment that we're living in, you're better off investing sometimes than like spending that extra money on an experience away for college. And if you want that experience away for college, you can pay for that. It's not gonna— I'm not gonna do it. That's it. Okay, so I told her, if that experience matters to you, then you have to make it happen for yourself, which is life. You make that experience happen for yourself. And here the discernment in that, right? Because it's not that I am against pouring into her. I told her, honestly, I would rather put that money towards something that actually stretches you— a study abroad, living in another country, learning a culture. A certification, a skill, then pay a premium for the identical prerequisites that you can take right at home. I know how school works, okay? So, and that's the difference to me between an investment and a luxury. It is a luxury to go to school just because you want to be away and all of that, and we don't even know if you're gonna make it to your classes. Hex, I didn't go to half my classes, okay? I just happen to be a good, disciplined student But most of these kids, they be ditching classes and they be going to parties and stuff like that. I'm not saying some of them don't do well, I'm not saying that, but I'm saying a lot of times you can make it more affordable. And then if they go out of state, then you got to pay out-of-state fees. Do you know how much that adds up to with that you can be investing in at this point? So most people, most families can't tell a, a luxury from, uh, um, you know, like they can't tell the difference. Like, this is not a need. Like, some people confuse needs with wants and, you know, and desires. That's not a— that's not a— hey, if that's a want and a desire, you make that happen, but that's not a need. Okay, now, uh, let me look at the, uh, let me make sure I didn't— I didn't skip anything. Okay, needs and wants. Yes, get the likes up. Yeah, I like that. Get the likes up for me if you can take a minute. Right there. And, uh, that's, that's so awesome. Thank you so much. Uh, um, get the likes up if you can. Get the likes up. I'm gonna share some more. It's gonna get good, trust me. Now, um, here's what I need all of you all to understand, okay? Just— and I'm gonna be brutal, brutally honest with you. Please, y'all, hear my heart. Hear my heart. I'm not against school. I'm not against college or anything like that. I just know what is going to happen to you if you keep just giving your money to stuff without thinking about the rep— the repercussions of it. Like, you have to think about what kind of environment we're in. If you are a parent with no investments, no emergency fund, not secure yourself, and you are pouring money into your into your kids, giving your kids comfort and experiences, I'm telling you right now, you are setting a trap for your entire family. And this is not rare. I'm going to tell you why I'm telling you this, because I've done the research to look at the statistics. Nearly 4 in 10 Americans could not cover a $400 emergency fund without borrowing money. This is most people, okay? And that's a $400 emergency fund. What the other 6 out of 10, uh, some of them can't afford $1,000, okay? So this is just $400. This is 4 out of 10 can't afford $400. And that doesn't mean the, the next 6 out of 10, uh, couldn't afford something significant. They probably at the $1,000 mark. Most— 1 out of 10 probably can have about $2,000 in their emergency fund. This is most people. When the winds of life come, and they come for everybody, y'all know that, a job loss, an illness, a downturn, you're not going to have any oxygen left for yourself, which means you have none for them either. You are doing your children a disservice, or whatever you're doing, whatever you're investing or not investing, whatever you're spending money and wasting money on It is taking the oxygen out of you, the oxygen for you to be able to live. You are— you are— most people are borrowing from tomorrow to live today. You're— and I tell people all the time when they are— when they're not doing their bodies right, you're borrowing your time from tomorrow to live today. You're shortening your time, okay? Because you're not going to be able to survive a downturn. It's the rule on every airplane. Put your own oxygen mask on. Remember, they tell you put it on first and then you're going to help the person beside you. And that kind of seems a little selfish, right, at first, right, until you understand it. Like, you know, you see somebody suffocating and, you know, you just want to help them right away. You can't save nobody if you pass out first. You can't save nobody if you broke and, and you get a downturn and you have nothing now. You can't save your kids because guess what?. They're not going to know what to do, especially if they coming to you for everything. Your kids, your grandkids, or whatever, they're not going to know what to do if there's a downturn. And then now you don't have nothing because you don't gave— you don't wasted all your money. You gotta catch this stuff. And so you have a lot of parents that give away their oxygen before they can breathe themselves, and they live to regret it because now guess what? Nobody's secure. Do you hear what I'm saying? Do you hear what I'm saying? If you don't get a grip on this now, when they really need you— and they will, oh yes, they will— when they— because they— are they, are they invested in digital assets and silver and gold? Do they have 3 to 6 months worth of emergency fund, your kids and your grandkids? Do they? What is going to happen when a real issue comes, when the storms of life come raging at you? And they do. The economy is showing all kind of signs. The bond market, the oil, the yields going up, right? There are all kind of signs saying danger, danger, danger, danger. Meanwhile, you're living life as normal. I'm telling you, it's time to audit. Let me tell you a story I've never forgotten. I, I got to be honest with you guys. Please, please, I need y'all to hear this. I'm begging for you guys to hear this, right? Look at this. Yes, I can. When I look at this stuff and people are just like, yeah, you, you did, they deserve it, it's good, you know. And I'm like, $20,000. When I tell y'all the proms, unless of course you're a millionaire, unless, okay, unless you're a millionaire, I get that. Yep, I'm, I feel the same. I agree 100% with this, Simon. Simone, sorry. Unless you got the money, but most of them don't. I'm telling you, it, it's almost like— I always say this— it's really a competition. It's a secret competition, y'all. It's an idea. It's for most of them. Now, for the ones that's like, oh, this is nothing for me, like, you know, if, if I got, you know, you know, millions of dollars and I'm okay with just doing that or whatever, like, there's nothing wrong with that. But most of these people are in competition. Okay, with one another. Like, who can give the biggest, you know, for social— and it's, it's really all for social media. And guess what? A month later, you are no more. Nobody remembers anything. Nobody remembers it. Do you understand where that money could have went if you didn't have your ducks in order? Okay, it is crazy out here. It's time to audit. Tiffany, I love this. It's good to see you, Miss, uh, uh, the Mr. Kiel Brew. Did I say that? Kiel Brew? I don't know, I got that wrong. The Mr., the Mr. K, what's going on? All right, yeah, a lot of— if you go look at, uh, social media, it was all on social media. Like, you got drones and all of this, like crazy. Like, I'm like, what is happening to our culture? Y'all don't be fooled by this stuff. You're gonna see the same people 2 years later and they have nothing because they didn't store anything. They was spending everything. Liabilities. That's why you have to do an audit, because if you don't know how to get a grip on this now, you're not gonna— if you're not faithful over the little, you're not going to be able to like rule over the plenty. You're not going to be able to do a good job at it, I'm telling you. Now let me tell you a story that I've never forgotten. I never have forgotten this story. It captures everything that I'm saying. I was listening in my 20s, all right, this was some time ago, 20, maybe 25 years ago. I was listening to a radio show and there was this family. It was a father in particular who had called into the radio show and they were trying to figure out how they could adopt. They really wanted to adopt, um, this child. I don't know if it was a boy or girl or whatever. And the adoption, it will always stick with me, what— because I learned a lesson that day in my 20s. The adoption cost around $10,000, okay? And they did not have the $10,000, and they were agonizing over how to find this $10,000 to be able to adopt. So the man, the radio host, he was somebody who was helping people with finances to figure out like how do they make things happen and just trying to work through their issues, right? So the man asked him, after like asking a few questions, the man finally said, well, do you have a car? And the husband was like, yeah, I got a truck, you know. And the guy said, well, how much is your truck worth? And he said, well, it's probably somewhere around $23,000 to $25,000. And the man said, there it is. He said, sell the truck, use the $10,000 for the adoption, and then buy a reliable car with the rest that you have from the truck. So you have enough for your adoption for $10,000, and then you can use the rest to just downgrade on what you're driving. And when I tell you, the birds start chirping. They started chirping. And you could just hear air. The guy didn't expect that. He did not expect him to tell him to sell his car, right? So he went quiet and he, he like hesitated and tried to like, you know, like, well, I need a reliable car and blah blah blah. He didn't want to do it. And the man said something again that stuck with me for years. He said, oh, I get it, you want the truck more than you want the baby. That— he didn't even know how to— he didn't even know how to combat that. I mean, obviously he didn't feel that way. He's arguing back and forth like, well, no, it's just that— but no. And the guy said, no, no, no, no, no. He said, you want the truck more than you want the baby. And it was brutal. And I got it even in my 20s. I got it. I said, oh, I said, because I put myself in that situation and I said, man, that would be hard on a comfort level. That statement is true to us in smaller ways every single day. It was never that they couldn't find the money. They could. The truck was the money. It was that the comfort of that truck was worth more to them than the very thing they say they wanted the most. Their decision told the truth that their words were not willing to tell. That's why I'm telling you, you have to do an audit, because you're going to find out what you really value. You're going to find out that you value comfort more than you do freedom. I'm telling you, it's the truth. And if you can wake up and you can have some level of self-awareness I don't mean to like step on your toes too much, but I'm telling you, I'm telling you, if you could wake up and realize, dang, I do value more comfort, I don't want to make changes that will require me to be uncomfortable, then at least you know that about yourself. That's all I'm here to do. I, you know, outside of— I just want you to audit. Outside of that, I just want you to see that, because if you see that, then you can make again the adjustments. You can see what you value. You value maybe entertainment more. You value eating out at expensive restaurants more. You value your clothes more. You value your, your, your luxury cars more. You value just spending money on your kids more because maybe it makes you feel good as a parent because you feel like a bad parent if you don't do this. Or maybe you're a single mom and the dad is not around, and so you feel like you got to make up for that. I'm telling you, you have to audit yourself. Some people are driving $50,000 cars, financing luxury, while they cannot cover a $400 emergency because they want to feel wealthy more than they want to be wealthy. I'm telling you, you value the feeling of being— the feeling of wealth more than you value wanting to really be wealthy, because there are some different changes that you got to make to be wealthy. And those are two entirely different things. Looking wealthy costs you money. Being wealthy costs you comfort. It costs you comfort. But you want to be comfortable. And most people, when it comes down to it, I'm telling you now, they choose comfort. And I— and we all are like that, myself included. So I have to check that. I have to interrupt my own patterns because sometimes you do value comfort more. And but when you do that, let me say this, because when it comes down to it, if you do value comfort more, you do that and then you can't understand why you never get ahead. I'm only saying this so you can be aware. Dwayne said my car only. Now see, I already know he, he in the game. He like, I'm, you know, like— and that's the thing, there's some people who have downgraded, right? They have downgraded to be— and I'm not saying you all the way have to downgrade. Thanks so much, Dwayne, for sharing it. I'm not saying you all the way— if you have the money, if you have the emergency fund, if you got 3 to 6 months worth of an emergency fund, you got good assets, you got your positions in place, whatever that looks like, you got good cash flow, like you, you have structure, if you have your ducks in order, then okay, that's different, that's different. But if you don't, if you don't, if you don't have 3 to 6 months worth of an emergency fund What are you doing? Because your family, when they— when things hit the fan, they gonna need you too. But guess what? You, you— true, sad, and scary self-audit. I promise you, you will start moving very differently, even if it's step by step. I'm not telling y'all to leap over a mountain. I never am. Even if it's a small look at, you know what, wait a minute now, I'm spending too much money on this. Or, okay, I got this subscription, I don't even use it. Let me, let me pivot and put this to an emergency fund. Let me tell you something, there's a scripture that, um, says all of this better than I can, and I just want to say it because I'm just gonna say it. Matthew 6:21, where your treasure is, there your heart will also be. Most people might look at that, or they might read that scripture, and they, and they look at it as spend— like, you spend money on what you love. But if you look closer, you're gonna find it runs the other way too. It not only, uh, it's not only that your money is following your heart— that's true— but your heart is following your money. Let me say that again so y'all didn't miss that. It's not just that your money follows your heart, your heart follows your money. Whatever you keep pouring money into, your heart quickly and quietly attaches to it. Attaches. So if you keep feeding comfort and image and convenience, that is where your heart is going to take root. And then you wonder why you can't pull yourself free from it. Your spending is not just revealing where your heart is, it is deciding where your heart is going to be. That's why this— all I know, in the beginning you thought it was going to be ABC 123, but I'm telling you, that's why the audit is bigger than a budget or all this other stuff y'all talking about with XRP going to the moon and stuff. I'm telling you, you need to audit yourself because where you're putting your money, you're attaching your heart to it. That is why I love investing, because I put my money there. And I know some of y'all feel that too, like we like hoarders of investing, like we, we, you know, like you I'm about ready to go broke over investing, you know. I'll tell my kid, I'm like, I'm gonna invest ourselves out of a house and home in a minute, like, because I'm so attached. So I'm telling you, when you start to redirect it, you redirect your heart. You attach yourself to all of this nonsense when you keep putting your money there. I'm telling you the truth. So that is good gravy. I'm telling you the truth. And let me tell you something, um, I am, uh, I'm not telling you to sell your house or— I'm looking at the comments— I'm not, I'm not telling you to sell your house or get into any kind of suffering. I'm not doing that. I know that life is more complicated than me just coming on here, you know, speaking this, okay? But a lot of what we carry, I do want you to recognize they are luxuries that we have quietly renamed as needs so that we never have to give them up. That's why. And a refusal to be even a little uncomfortable is the exact thing that's keeping people broke. People want comfort more than they want freedom, and comfort today is almost always bought with the freedom that you were supposed to have tomorrow. So here's what I need you to do: do the audit. That's all I'm telling you. Just do the audit and see where things are, okay? No shame, just information, right? And it may sting a little bit, okay? It may sting, but you need to know that, okay? I need you to be free. All right, now, um, so there's some boundaries that you may need to, uh, make. One of the boundaries that I keep telling you is— so then you got, again, you'll see where your money is going and then wonder why you can't open up a Roth IRA, which is one of the most, um, powerful moves that you can make for your future, to invest in an account where the appreciation of your assets will not be taxed. Every dollar is going straight to you. The reason why I suggest iTrustCapital is because you can put actual coins inside that account, which I love. I believe cryptocurrency will do very, very well, not just now, I'm talking even in the next 5 to 10 to 20 years. And I believe that you should put in that account assets that are going to give you the biggest return— XRP, XLM, XDC, HBAR, Quant, and so forth. Up, okay? So for some people who haven't opened it, it's because you haven't done an audit. You have money, it's leaking somewhere, I promise you. And you're attaching your heart there where you can't even break free to do the thing that your future requires you to do. Now, if you are deciding to do that, they do give you $100. They give you free money. Where else you gonna get free money from? You definitely not gonna get it Uber— with Uber Eats, okay? They give you a $100 free funding bonus if you fund the account. The link is in the description. And even if you fund it with the minimum amount and get something set up, when you do that, your heart attaches there and you start seeing— I'm telling y'all, y'all already know, y'all know we be looking at, we be looking at like, okay, where the market at? What's— oh yeah, I added some. It feel good when you add to your investments. It feels good when you look at your, your, you know, the stock market, or you've been investing, investing over the last you know, 5 years or whatever in the stock market and you're seeing things go in the right direction, it feels good. I'm telling y'all, your money is telling the truth about your heart right now, whether you've looked at it or not. Don't tell me nothing. Don't tell me what you value. The proof is in the pudding. I'm looking at— thank you so much, uh, Stop Buying Coffee and Invest That $100. I love it, Antoine. Thank you for the Super Chat. Yes, yes indeed. They, uh— I see Paul is, is off to bed. It's late where he is. Uh, uh, somebody— let's see, uh, I truly hope— thank you so much, I appreciate that. You say, I hope to meet you. And, um, uh, and, uh, Marco, Marco, if you look at my, uh, videos from last year, if you look at my videos from last year, I've been telling people about iTrust Capital for quite some time, even before, um, I started working with iTrust Capital in partnership to be able to bring something to the community. That's why they're able to bring the $100 $1,000 because I am sharing the news about how you should invest in a Roth IRA. And every smart investor understands that you should invest in a tax-free account. So that is what I want to say to that. But I've been telling people from day one, right? So because I believe that you should invest in a tax-free account, and any smart investor is going to tell you that, right? So one of the things that they do, because I am sharing this information about them is that they give my audience a $100 free funding bonus. And I appreciate that. I appreciate that from them because they don't have to do that. They don't have to give free money to open up an account with them. Everybody don't do that. So that is why I share it, because I've been sharing it and I think it's a very smart move. And if I didn't think it was a very smart move, I wouldn't tell you. I promise you I would not. And I wouldn't have 3 accounts with them if I didn't think it was a smart move. So, uh, California government— gov is proposing a bill to eliminate loans that use assets, uh, like XRP as collateral to bypass capital gains. How do we get around that? Uh, ooh, California gov. Oh my goodness, you gotta move sometimes. Um, I don't know if that bill is going to— I don't think that bill is going to be passed. I, I can't see that bill being passed. I'm sorry, um, I can't see it being passed. Like, assets— like, how are they going to do this? How are they going to pass this bill, right? They're not going to get a lot of support for that. They already— they already have, um, uh, uh, things in place for you to be able to collateralize your assets. Nobody can come to you and say all of a sudden you can't collateralize this asset or that asset. That's going to be very, very difficult. Um, that's gonna be very difficult. So I, I don't know if I would, I would take that to heart. I mean, if they fight for it, they're going to be in trouble. They're going to be in a lot of trouble. They're not going to get a lot of support on that. Uh, but there's way— there, there are ways around that. Um, there are, there are, there are a lot of ways around that, uh, to be able to— um, I'm actually going to talk about, because it's more than just collateralization into when we're talking about, um, building your wealth, making passive income. And so like I said, even when I go on with my members, I'm going to break down all of that collateralization, staking, wrapping, yield, um, the different terminologies that are— a delegation, even the different terminologies that people use for that. But they— I don't think they're going to be able to do that. Thank you so much for the Super Chat, uh, Toby. You finally made your stream. Thank you for all you do for the crypto community. I appreciate this. Thank you guys. You guys are Um, you all are amazing. Um, let's see. I just sold some, uh, Roth out of my EJ account so I can put in an XRP Roth with iTrust. You are teaching me so much and I'm a small change person. I love this. Thank you so much. I appreciate this. And yes, um, my, my, uh, camera is going in and out for some reason. I don't know. Um, let me restructure it. So if you have a Roth IRA, some people already have one, right? You can actually move and transition and expose yourself if you're not exposed to digital assets. The reason why I think it's good to have digital assets, uh, inside of a Roth IRA is because I think they're going to have a tremendous, a tremendous ROI in the next 5 to 10 years. You're not going to get much that's going to out— when you look at it, you're not going to outperform digital commodities. You're not. XRP, XLM, HBAR, when you look up in the next 10 years, trust me, that's going to be— that was, that was the, that was the Trojan horse. That was. So anybody who misses out is going to like miss out on a huge ROI. And that's the whole point of a Roth IRA, is what can give you this appreciation. Now you can sell on the way as well. You just have to know, you know, you don't have to pay taxes on it. So if you already diversified in like, you know, the stock market, maybe you have precious metals or whatever, it's good to diversify into Think about it, we're in a bear market. So you even have the best ROI when you're in a bear market and you're getting in at ground level, and then you get to sit and wait for all of that to appreciate and don't have to pay taxes on it. I just think it's, it's, it's going to blow people's minds, right? Uh, are you still accepting new people to coach? I need to fix my financial life. Um, Reginald, will you, um email me. I'll put my email in the description. Um, you would have to speak with my team about it, uh, because they are in control of that entire, uh, process. And there is a cap off of how many people are, um, and I don't know where we are, but they will. So email me and I'll get your information to them. How about that? All right, and, uh, I'll put my, uh, I'll put it in the description. All right, uh, I know, yeah, people shouldn't have to pay for adopting a child or animal because if, if that child doesn't get adopted, it either gets put to sleep or put out on the streets. I get it. Yeah, I think people, if they're loving enough— yeah, and that's, I guess that's, that was the process. This was years ago. I don't even, I don't even know what the process looks like now and, um, how costly it is at this point, but I think it's definitely a good deed for somebody to want to adopt. And you're right, I was, you know, part of me was thinking, man, I didn't realize it was that much to, um, to adopt. Um, yeah, Flair, I do like Flair. I definitely love Flair, right? So, all right, um, I wanted to share that. I would love to come back and kind of talk a little bit more about your audits. I'm going to give you some time to do that, but I say go through and look to see where your money is going. And, um, I'm telling you that when you, when you start to redirect where your money is going, your heart is going to solidify there. You're going to find a lot of joy in what you're doing. But if you keep putting your money in the wrong direction, you're going to attach your heart there. And it's showing you exactly what you value. And most people are positioning themselves, um, for disappointment in the future and devastation, quite frankly. And you're gonna— those who are overspending on their kids and You know, and I, I help my kids out, don't, don't get me wrong, trust me, uh, but I am teaching them responsibility, and I'm also not overly indulging to the point where now I can't help them when they really have a need, okay? So you're gonna, you're gonna cap yourself from really being able to help out when things hit the fan, and they will hit the fan, okay? They will, uh, trust me, uh, if you watch the macro events, if you watch the economy, if you watch even what's happening with the reverse carry trade If you just— if you watch the bond market, just watch the bond market. That's all you got to watch is the bond market, and you can know that the yield's going up is signaling something to the economy. So, uh, and don't let Walsh raise those rates. If he raised those rates, most people in trouble. If he lowered them, most people in trouble. Most people in trouble either way. But if he raised those rates and you already got loans and, and, and you got, you know, all kind of bills, and you got a job that's going to start downsizing pain, right? Like, we're in for it. You're gonna be in trouble. You better understand that whichever way this spins, a lot of people— and if, and if the— if he lower rates, which long term, yeah, we're pumping, we're pumping money in the system and lowering rates long term, but in the short term, there's going to be a lot of pain if he does raise rates. A lot of pain. Do you hear what I'm saying? A lot of— I mean, the economy It's like, let's just break the economy and get it over with. It's almost like that. Let's just break it and get it over with and suffer and get it over with, right? There's gonna be a lot of selling pressure. There's going to be a lot of downsizing for jobs. That means you— there may be layoffs. Um, now your things you thought you were going to refinance— you— it's— don't get laid off and have a lot of debt. What you think you're gonna do? And no emergency fund, you're suffocating. Watch where your money is going, you guys. All right, um, I'm gonna put my email into, uh, the— you can email me. I'm gonna put— listen, let me say this, like the video because I'm about to head out, um, and, uh, and I will— my, my one-on-one clarity calls are also there, so if you're not able to join, uh, what my team has I still do have my clarity calls open. Uh, my emails, I don't— I'll look at them when I tell you that, um, to email me, I'll look at it. But just understand that I don't typically— like, like, it would be a full-time job looking through all my emails every single day. So I tend to wait to the weekends now to like really go through them. But if I tell you to email me, I, I will be looking out for your email because you, um, because I told you to email me. So, uh, but just know that For anybody else who's like think they can just email me and I'm gonna— it's gonna be very difficult because it's a million. I can't get— I just— it's a— I'm sorry, I'm just— that's all I could tell you because it's just too many, right? So I have to get to the ones that I really have to get to. So if somebody's asking me questions and stuff like that and coaching questions and what, what assets should I get in and what, you know, I, I can't— it's going to be very different. Just know that I'm human and just imagine like somebody having to open up their email to like 1,000 emails asking questions. I— that's unrealistic, okay? So, uh, but I will— if I tell you to email me, I'll be on, on the lookout for that. But that doesn't mean that, like, if I say this, that anybody who starts emailing me, like, just random questions, I'm— it's going to be very difficult. My, uh, my community, I'm, I'm present for them. And, uh, it's, it's— I'm only one person, sorry. So open an iTrust account and XRP went to a dollar. Papa's got a brand new bag. I'd love to see it. I love to see it. All right, you guys, um, uh, one more comment. Uh, you have to sell your Coinbase before you can go to iTrust, uh, Roth IRA. Um, so I guess that's in response to somebody. All right, I'm about to hop on with my members and we're going to dig a little deep into how to make passive income with your cryptocurrency. And we're going to look through these different topics and I'm going to share how I wrapped my XRP and it is making yield right now. It's a smaller amount, so it's not, you know, I'm testing it, and I've been testing it, and, uh, I have a little there in relationship to my overall, um, portfolio. But I'm not encouraging you to do it because there is risk involved. So I'll talk specifically about that in my membership. So I'm gonna hop on with them. I'll see you guys though on Wednesday. Um, continue to build your bag and make wise decisions. Do the audit so it can reveal exactly what changes you need to make. And as always, I want you to stay wise, stay wealthy, and I'll see you in the next video. Peace out.
