Unveiling Credit Hacks: Credit Expert Reuben DeLeon | Digital Social Hour #49

When I was uh 19, I already had 200k in credit cards, 25.

Wait, and at 19?

Yeah, wow.

We got some history with fans and banks.

Yeah, we both do.

What are some credit hacks that are gonna land some people in jail?

What they'll do is they'll go like find like a homeless guy on the street and they'll build his credit.

Because it's real easy to do it, right?

All right, welcome to the Digital Social Hour.

I'm your host, Sean Kelly.

I'm here with my co-host, Wayne Lewis.

What up, what up, and our guest today, Ruben DeLeon.

How we doing?

Doing good.

Happy to be here.

Good to

have a fellow credit person.

A little hot wearing this jacket in Vegas.

Whoa, me.

It's good in here.

What's that jacket?

Like 7, 8k?

Yeah.

Jeez.

That much?

What?

Did you use credit to get it?

Absolutely.

How many points do you have?

Like, all combined?

Yeah.

Probably like three million right now.

Jeez.

Three million points?

Yeah.

What does Eddie quate to in US dollars?

Well, some of them are credit card points.

Some of them are like airline miles or like hotel points.

But if they're all credit card points, probably like 30, 40 grand.

You could travel for free for the full year, basically.

Yeah.

Well, you wouldn't want to cash them out, though.

No, no.

You want to keep them

accumulated.

I only tell people to cash them out if they are like on the street.

Like if you need the cash,

but that's usually the worst way to redeem them.

You usually want to use them on travel.

So the best way to use points is on travel usually for sure I prefer to use them on flights just because you get a lot of value out of them right right like you can take like a twenty thousand dollar flight for less than two hundred thousand points but if you use that on hotels you're not going to get twenty thousand worth of value out of those points does the airline matter

the airline does matter and usually you want to use them for like long distances right like you'd want to use those points on like a 16 hour flight to Dubai or like to London.

So which specific airline should they use or look to use when it comes to getting points or the best like

ratio?

Yeah yeah yeah.

It depends on like where you're going and it constantly changes and just fluctuates all the time depending on like how busy it is if it's like a hot time to go to that that that location might be a little bit more points you want to shop around to different airlines so sometimes like what you want to do when you're looking for a flight to take or a hotel to book even you want to see like how many points it'll cost you with the actual hotel because you can book the hotels under the hotel points or you can book them with your actual credit card points but the worst way to do it is when you actually use like your amex points directly from your Amex account because you want to actually transfer them to the partner that you're going to be flying on to the hotel you're going to be staying with because I've seen instances where like that $20,000 flight to Emirates is less than 200,000 points.

But if you book it through your Amex account, they're going to charge you like a million Amex points.

So you want to just transfer those points to Emirates because they're going to ask for less.

Gotcha.

You fly almost more than anyone I know.

What are your favorite airlines?

Currently, I'd say Emirates First is just hard to beat because they have the Don Parion that comes out.

They give you caviar service, limited food.

They have like blanket.

There's a shower on the plane.

You can go take a shower.

That's crazy.

Where does that fly to?

I've only flown it to Dubai and back.

But they fly pretty frequently, like all around to different places.

Does it have the 180 seats?

Like it lies down.

Dude, I've got once.

First class and business class actually does it.

But for first class, it's just a little bit better.

You have more privacy because you have like the

you have the door that actually closes.

Whereas in business, it's still comfortable, but you don't have as much privacy, right?

Like you're sitting next to somebody.

Whereas in first, if you're flying by yourself, then you can still close the door and like no one can see you.

Yeah.

Question.

What are some credit hacks that are going to land some people in jail?

I mean, I've heard of hacks that people did in the past where like what they'll do is they'll go like find like a homeless guy on the street and they'll build his credit.

Because it's real easy to do it, right?

It doesn't cost a lot of money to build the person's credit.

So they go find the homeless guy.

they're like, Yo, I need, I'll pay you five grand.

They go get him like 300,000, 400,000 in loans.

The dude's already homeless, right?

Like, they're like, Wait, wait, wait, and then they just go grab the money out.

They're like five grand.

So, there's people out here that say, find a homeless guy, ask him what his credit, what his social security number isn't even,

they'll just ask him for a social, be like, yo, I'll shoot you 5k.

Well, that's a hell of a hack.

If you're homeless, you're gonna take it.

Well, I mean, I wouldn't call it a hack.

This is just straight product.

Who actually?

So, somebody was actually giving that advice at some at one point?

Like, that was it.

I've never given it advice.

I just heard a story.

I mean, you can you can do it.

It's very easy to do it.

Wow, that's crazy.

Yeah.

Wait, but wouldn't their credit be like zero?

They're just gonna go.

But that's why they go get homeless guy, right?

Because the homeless guy doesn't even know what credit score is.

Right.

Wow.

Like, it's sad to say, but, like,

people do it.

And what is like the number one myth about credit that you like when you hear it's like you cringe?

Like, that's not true.

The fact that people try to avoid it and they avoid like getting more credit cards when like you should actually try and go get more because the more leverage you have it's just better overall right like even when i first got started in credit when i was uh 19 i already had 200k in credit cards 25 wait and at 19 yeah wow you had 200 000 in credit yeah that was mixed with like personal and business that's a cheap but crazy when i first started at 18 my whole goal wasn't to get like a bunch of credit or travel or make a lot of money i just wanted to have good credit because growing up It was me and my mom and my brother.

My dad died in third grade.

And I would see my mom struggling to get an apartment or a home or a a car, but it wasn't because she didn't work.

Like, she was a dental assistant, making 40, 50k a year.

Like, it's pretty solid, right?

And you only have two kids.

Like, we're not, like, comfortable, but you know, we're getting by.

Yeah, right.

Like, I always had like birthday presents, Christmas presents, like, always eight.

So, I wasn't like four.

But I would see her get denied for an apartment and stuff.

And I realized when I got older, it's just because she had bad credit, right?

So, when I was 18, I was like, I don't want to have bad credit because shitty getting like denied for a car or an apartment.

So, I did a lot of like research on my own from 18.

And then all of that led to like just learning how to get the credit cards, how to build your business credit, how to travel, all the rewards.

Like, you kind of go like into this like deep, dark like hole of like it never ends, right?

Right.

So, like, when I was 20, um, I had 200K in credit, and then that's how I had the ability to invest and like buy like mentorship, buy courses, buy programs.

Because otherwise,

it's gonna take me like 10-15 years to save up 200K, right?

Because I was working at like Planet Fitness, just normal jobs, yeah, making 20k a year.

Probably of that, you're only able to save like 2,500 bucks every year right like it's gonna take you really long time to save up 100k 200k so like the ability like the fact that i had the ability at 19 to just go get 200k in credit from building my credit is just absurd to like even think of yeah right so like instead of saving for 20 years to get that money i built my credit for a year two years i had it accessible to me so you definitely invested in yourself to learn the industry and learn about credit in general yeah i mean i tried to do a lot of different other businesses from like 17 to 20 just everything you google and you see like everything everything, like all the opportunities when you Google how to make money online, right?

Like, you see drop shipping, you see Amazon, right?

You see affiliate marketing, just the general stuff, right?

Like, I tried all that, none of it actually worked.

But when I invested, I actually invested into, he's my business partner now, Sean.

Sean Mooney's actually a guest on the show as well.

But I had invested 50K to learn from him because

he was already crushing it in credit, right?

Like, he was doing really big things.

I liked credit already.

So, I mean, so you and Sean are business partners?

Yeah.

Yeah.

Oh, so see, they both fly.

Yeah.

Because he he came on here and he had the oral.

Yeah, they're both pretty fly.

Yeah.

Can't deny that.

Right.

So.

Wait, so how'd you get that first 50K to invest?

Was it through credit?

It was through credit.

It was business credit.

Because I had to create

what age?

What was it?

When I invested in 50K?

Yeah.

I was 19, about to turn 20k.

Wow, so that's a big investment.

That's big.

Yeah, I mean, it was big, but like, I also just weighed it out.

I was like, what's the actual risk, right?

Like, if I don't do it, cool.

He's going to go, like, keep being rich.

I'm going to keep being poor.

Right.

And I realized if it doesn't work and it flunks,

thankfully we live in the United States where you don't go to jail for your debts.

So the worst case is like, all right, great.

I f ⁇ ed over Chase.

I'm just going to go get credit from a different bank.

So you got to go to the bottom.

So there's no real risk.

How many credit cards do you have?

And what's some advice for people to get 10 to 20 credit cards if they're watching this?

Yeah, I have around 30 credit cards right now.

30.

And the second question was how to get 10, 20 credit cards.

Yeah.

Yeah.

So first we want to like focus on your personal profile because a lot of people when they're looking online right now, they get thrown to like, yo, get like business credit, right?

Which is something you should do, but you should put a lot more focus into building your personal credit because how strong your personal credit is is going to justify how much the business will qualify for.

Because even if the business is making zero dollars and you created the LLC yesterday, you can still go get 200K on that business because it's brand new and makes no money.

But that's only if your personal credit is strong.

And by strong, what I mean is like you have five to ten personal credit cards, the limits are over 5, 10K.

If you have that structure already set up in your personal, then you can go get 100K, 200K in business credit on a brand new LLC because your personal is so strong.

Right.

Wow.

That's insane, man.

So,

how often do you actually make it a priority to educate the Hispanic community on credit and leveraging and like the financial literacy aspect of it?

Like, how often do you do that?

Yeah, absolutely, dude.

I mean, I would say I post pretty frequently, like every day like 10 20 times a day on my story i give out like a lot of free like education on credit just from me posting on my page like on instagram and youtube and uh any other channel i get people who dm me and they're like bro i got like 200k in credit i got 100k in credit and i got like you know this ability to invest in this deal just from the free content that i put out alone so i try to make it like a big deal because everyone's trying to figure it out right like everyone's trying to figure out like what is people like what are people doing right now that's making them so much money right especially now with like social media everyone who's like 18 19 20 they're seeing like young guys like us like making money doing a lot of stuff yeah like they're like watching it and it's making them frustrated because it's hard to figure it out yeah it's real hard to figure it out because first like you go out and try and do it maybe the first five times you get scammed it doesn't work like where do you go to like find the right info right and like most people They're afraid of putting out the right info because they're like selling it.

They want to sell their course.

They don't want to put out that information.

Because that's what you get when you buy.

Whereas I'm not as greedy like that.

And I know the more I put out, the more free value I give out, the more customers I'm going to get.

Right.

Because if people are already getting a result from just the free stuff I'm putting out, they're going to be more influenced to go out and buy my next program or the next like.

Yeah, I agree.

So, like, when I give people the free value and they get 20, 30k in credit, 100k in credit, now they have the ability to go pay me 25k for something.

Yeah, I love that.

What are the best and worst credit cards?

I'd say the best credit cards mainly are with Chase and Amex, just because they have very good rewards.

The limits go very high.

And the rewards, what I mean specifically is that you can transfer them to a lot of different partners, right?

Like a lot of different airlines, a lot of different hotels.

You can do a lot with those points.

Whereas like other credit cards like Discover, they might just be like cash back cards, right?

Whereas like clearly, if you're going to spend on the credit card, you don't want to go get cash back because the value is much more if you have the ability to transfer them for hotels and flights.

So any cards with Chase and Amex are great, really.

For Chase, i like like the sapphire the freedoms good the ink credit cards are great and they have really good signup bonuses too so like you can go get the three ink credit cards right now and um that's be like 300k in signup bonuses that's probably like 80 80 to 100k in free flights just from getting free credit cards holy right so like the sign-up bonuses are huge and what you can do after that is like now you know how to go get the credit card With those cards, you also get a bonus when you refer someone over.

So if I send you a link to apply for this card, I'm going to be be rewarded 25k if you get the card and points.

Wow.

Right.

So like you can continue getting more points from just sending out like the card to your friends and family to get more rewards.

Wow.

Yeah.

And then the worst credit cards really are just cards where you don't get like a lot of value out of them.

Like store cards and cashback cards.

So like people who go to Sephora or any of these stores, they get like sold on like, you know, if you want to get 30% off today, you know, apply for this card.

Yeah.

Whereas like

Their purchase is probably gonna be like a hundred bucks.

They're gonna get $30 off like if you're gonna apply for any card you may as well go apply for like a card where you're going to get 100,000 points and you're going to get 20K in value.

And what are the qualifications?

So why do some people get denied for those type of cards?

And why do some people get accepted?

Like the Chase and the Amex?

Yeah, yeah, yeah.

The main reason is due to lack of credit history.

So like those are the best cards, but they're also going to be a little bit of the most challenging to get because they know like their cards are valuable, right?

Like they have high limits.

You can spend on them.

Whereas like other credit cards where they're trying to just get people like an approval, they're not going to have the greatest rewards right right so like a lot of people it's due to lack of credit history it's also due to maybe utilization because if you have one credit card that's over 30 the bank's gonna the bank's gonna take that into account and think that you're high risk because you're already utilizing credit somewhere else so they don't want to be like sure i'll give you more debt that you may may not be able to pay so you want to have utilization below 30 on each card so that's very important and then a lot of other like variables fall into play because every bank has a different like um qualification structure right so you can go to a site called um uscreditcard guide.com and it'll literally have all the credit cards on there and it will tell you the rules like it'll say like what you need to have on your personal profile to qualify for that card wow so like some cards are like you need to have six months of credit history to qualify for this card other cards are saying you need to have a year some cards say you need to have two years right so it's very like

important to go review that site before you apply for anything because if you see you need to have two years of history and you have two months of history clearly you're not gonna get approved and how important are trade lines and for the people that don't know what is an actual trade line start there yeah so i would say um from what people think a trade line is is like they are viewing it as buying like an authorized user account right right but really a trade line is just any account that's reporting on your credit right so i have like nine um chase cards that report on my personal credit i have nine trade lines right but

are you making money off of those trade trade trade lines too no so i don't sell my oh you don't okay a lot of people do sell sell their spots because they make money, right?

But if you do that too much, you can get all your accounts closed.

Wow.

Wow.

So I've seen instances

where people have 12 chase credit cards and they're like, cool, I'm going to make like extra 20K because I'm going to go sell these spots.

But is it really worth it to make 20K to lose 300K in available credit?

It's not worth it, right?

You're not allowed to sell them technically.

I mean, no, but it's

within limits.

It's a gray area.

Like, you're allowed to do it, but like, it's supposed to be for like your friends and like family, right?

Like, once they, they can catch on if you're selling them because if you're selling like five aus a week and then in two months you remove them and you sign someone else on you sound someone else on like you have like a limited family you don't have that much sound right right is having an 800 credit score overrated

for sure is because i've seen people who have over an 800 and they can't even get approved for anything because like a few years ago i had this one dude he was uh messaging me trying to get some help i was giving him help he was like no i'm not gonna do that i'm just gonna go buy these five aus

i was like okay go go do that right and then he got above 800 and he's like flexing it.

He's like, yo, look, see, it worked.

I got over 800.

I was like, great, bro.

Go try and apply for something.

Still got denied.

No utilization.

Yeah.

So the problem was that he had nothing else on his credit besides the authorized user accounts.

And when you only have authorized users, the bank can clearly see like you've never actually had your own personal accounts.

You've only had these authorized users.

And that used to work like early 2000s before like 2010.

Yeah.

Where like you can have only AUs and the bank will still give you the credit that you're asking for.

But now they're getting aware of like, are they like people are just trying to finesse the banks, right?

And they're, they're

so like, you can have over an 800 with all AUs, you're still going to get not like any credit at all.

And I've seen people who have like a low 700 and they go out and get 100K, 200K.

So in that person's, okay, so being an authorized user isn't a bad thing.

So in that person's case, right, he came back with an 800.

What would have been your recommend, the right recommendation to him, like in regards to how to utilize that?

Although he had limited to no utilization, what would have been the right recommendation?

You think what direction?

Yeah, that's a great question.

So, what he should have done is should have just been patient because he had nothing on his credit, like not even like a single credit card.

So, when you have, when you're starting from square one, it's just going to take time.

It's just going to be like a patience thing.

And his thing was like, well, why do I got to be patient when I can just go buy these AUs and I can get all the age myself?

But he didn't understand that he actually doesn't have any of his own age, like his own personal accounts.

So, I was telling him, you need to kind of like take it step by step and go do like the beginner boring stuff.

Like go get like the Discover card where it's easy to go get like the Chase Freedom.

Because those are cards where it's very easy to enter into those products.

But no one wants to do that because they're going to get a small limit, right?

Because it's a brand new credit card.

Right.

So like they don't want to do that because they want to get the big limits quick.

So he tried to just like cut the curve, but it didn't work out at all for him.

So if he would have like just done the actual structure of building your personal credit for like six months to a year, then at that time you would have been able to get the credit that he wanted.

So it was just an inpatient thing.

What's the best way to build up bigger credit limits?

Yeah, so

I like discover and Amex Blue Cash and Amex Blue Plus because those cards you can routinely ask for a credit limit increase.

So for Discover, it's every six months.

And then for Amex, I believe it's like every 98 days.

It's like a weird day like that.

Yeah, but everybody can get approved for those cards.

You can because those are very easy cards to get approved for.

Like if you go on U.S.

credit card guide, it'll say like you need three months of history.

And you can easily go get that history by adding like rental karma or something.

And as for the Discovery and what which other one uh amex blue cash and amex blue plus okay so those cards you can routinely ask for increase and it won't affect your credit so the benefit to that is those limits will continue to increase with you so like you might get approved for only like 2k today but when you ask for an increase it might go to 6k and then when you ask for another one it'll go to 10k right right so like you want to that to be the focus to increase your personal because when you go out and you apply for business credit and you have these big limit personal cards they're going to give you 20 30k and how often can they ask for increase like what's the the was it every quarter every six months discover it's every six months

for amex like every 98 days it's like a like time frame like that maybe like 91 yeah something like that but um another big benefit too is by building a relationship with the bank and actually working with a relationship manager because something that a relationship manager can do is they can actually like talk to the underwriter and vouch for you and say like no this guy needs this credit because of x y and z right and if you have the relationship he can say whatever he wants to say right just to get you the approval facts like i had one guy who had like 90 utilization on four cards and

when he applied online by himself, he got denied because it's just an automated system.

But when I introduced him to our banker at Chase,

he was able to get him like one card was 65K, another one was 75K.

Wow.

Because

the relationship manager just vouched for him.

That's crazy.

What's the best way to deal with a collection or a late payment?

Yeah, that's a great question.

It's because a lot of people deal with that.

And it might be because they just forgot, right?

They didn't make the payments.

Only like 30 bucks for the minimum payment and it just goes over.

But one little late payment like that can drop your credit over 100 points it's like ridiculous yeah and then collections can do the same thing even if the collection is for five dollars yeah it doesn't matter if it's five dollars five thousand dollars fifteen thousand dollars it has the same impact on your credit wow so if you're dealing with like a late payment one thing you can do is you can do a goodwill letter where you just basically are asking for goodwill you can make a story like you had like a health crisis you had like some problems going on yeah like like x y and z right like whatever store you want to create and they'll actually just reverse it but that's only if you have like one or two yeah but once it's in collections it's over, right?

It's been sold.

Yeah, once it's what that's for a late payment.

But for collections, yeah, what you want to do for collections is first, it's never like wise to even pay them because it's very likely it's incorrect.

And what I mean by incorrect is when you look at your credit report, and I recommend like Identity IQ.

That's kind of a good one, right?

As opposed to like credit karma.

But when you're looking at your credit report, you'll see that there's a lot of discrepancies on the actual reporting of that collection.

And one of those things could be like the collection on one bureau is saying a different date as the other two.

Just from that one mistake, legally, because of the Fair Credit Reporting Act, they have to remove that account because the Fair Credit Reporting Act basically just protects consumers from these credit agencies, credit bureaus, people who are just reporting things on your credit because you can't just go do that, right?

Like there has to be like strict laws in place.

But then it's a third party, so technically you don't owe them anything in general.

Correct.

Yep.

When a collection agency buys

now own that debt.

So you don't owe five-star collection money you owe.

And it's crazy, too, because let's say I default on like a 10K card with Chase.

Chase isn't going to call me to try and collect that.

They're just going to sell it right off in their taxes.

They probably sold it to a collection agency for like, yeah, for like fucking 4K or something.

Yeah.

Right.

Do you think 4K, I heard less?

10K?

Well, if the collection is for 10K, I mean, it'll vary.

Right.

It won't be that cheap.

Yeah, I heard it.

But like, they'll sell it for like pennies on the dollar for sure.

Yeah, yeah, for sure.

And then they're like calling you up.

They're like, yo, we'll work out a deal.

We'll give it to you.

We'll settle on this for only like 6K, right?

You're saving 4K.

People are like, oh, great.

Sounds great.

But when you pay it, the only thing that happens is that collection goes to a $0 collection.

Now it's like you're still on there.

It's still on there.

You got to get it removed.

Yeah, even if it's $0 or $1 or $10K.

And how long does it last if it's still on there?

It'll forever.

Oh, forever.

You have to get it removed.

Or as a paid collection.

Whoa.

Yeah.

It doesn't benefit you at all.

Yeah.

Yeah.

And you don't even build a relationship with the bank anymore because the bank already sold it off.

Yeah.

So.

If anything, it hurts your relationship.

But then you can also get that removed.

go back to that same bank and reo and reapply.

You could, but it'll take time because even if you remove it from your report, it's still in Chase's system, right?

You don't remove it from Chase's system.

So, like, they still know that you screwed them on this

at one point.

You did.

But you can settle on it with them in the future.

But, yeah, sometimes it just takes time to rebuild.

But that's why it's also beneficial to go through a relationship manager because I had one client where he was banned from Chase like three years ago because he was doing some like marijuana business or something.

And he couldn't get into Chase for three years.

And I just did a simple intro.

My relationship manager opened an account for him, got him 50k credit card, and then boom, just right back.

Yeah, we got some history with bands and banks.

Yeah, we both do.

I mean, it doesn't matter.

It's a lot of banks.

I think that it's crypto-related.

Gotcha.

For sure, we'll do it.

Yeah.

Orient, they don't like e-commerce either.

Some e-commerce companies.

PayPal hates e-commerce.

Yeah, they hate us.

Ironically.

What was the best hire you made?

I see you got a full-time videographer following you around everywhere.

Yeah, I would say for sure

either videographer or personal assistant.

Those are two very like

tap, those are two very vital tasks because the personal assistant is doing like just tasks where it's like no benefit for me doing that at all right it's like the um analogy like the sand pebble rock um they're gonna jar have you guys seen that no basically what it means is like like imagine there's like a jar right and you want to foot you want to fit all of those um like you want to fit the rock the sand and the pebble in there The right way to do it is to put all the rocks in and then put the pebbles and then the sand will go over everything.

So like they're basing it as like the most important tasks that you should be doing are rock tasks.

You should not be doing pebble or sand tasks because the jar represents your day, right?

So, like, most people, what they're doing is they're doing a lot of sand and pebble tasks because it feels like they're getting a lot done because

they're things that are like getting done, right?

But the things that should be doing are the rock tasks, because that's like the $500 an hour task or the things that are going to progress you.

So, like, the problem is, people don't outsource those tasks, and all they do is the sand and the pebble tasks, and they're busy all day, but they're not right they're not making any real progress right so like a personal assistant they are able to take on those tasks for you so you can focus on only the rock tasks right so I say personal assistant is very important and obviously videographer is great because I mean I think everyone should be building their personal brand online right just because you're you're already doing it right like you're already doing what you're doing you might as well just like show it because what it'll do is it'll build like rapport with your audience and over time that rapport will equate to making money right so like and then you build partnerships because people see like i'm on on this show.

Someone else would hit me up.

They're like, yo, you did good in the show.

You want to come on my show?

So this is real important to like have someone capturing the whole moment so that you can repurpose it and you can get more business.

I love that.

Yeah, those are my two best hires too, to be honest.

Same with you, right?

Yeah.

Yeah.

For sure.

Yeah.

Ruben, it's been a blast, man.

Any closing thoughts, words of wisdom?

Damn, man.

I would say people who have bad credit, you know, they feel as if there's no hope, right?

Like they feel like they're at rock bottom when their credit score is 400, 500, and they don't want to get it back up so the main thing you need to do is focus on reducing your utilization on your personal cards and then removing any discrepancies so like late payments collections charge-offs you can go out and try and do it on your own if you have no money right just like just uh learn the fair credit reporting act and then learn how to like use you use your rights to remove those negative accounts from your credit if you can't do it we have a credit per company we have close to 20 000 clients now over the past few years so people can come to us we can fix their credit so they can have a better future right like it's really hard to live in the the united states when you have bad credit right like you can't get in a car you can't get an apartment you can't go get credit or like any kind of loans to like make investments and like better yourself so it's very important to fix your credit and build it so that's for the person who uh you know has bad credit and they feel like there's no hope there is hope and then for the person who maybe doesn't want to build their credit at all completely stop thinking that way because that can change your life right like the fact that i had 200k in credit and i was able to make an investment at 20 years old and now i'm 24 and i've traveled all over the world i've made millions of dollars, like I've helped thousands of people.

It was all because I had access to credit.

If I didn't have access to credit, I would not have been able to make those investments.

Right?

So, like, opportunities are there, it's just people don't have the money to take action on them, right?

Right?

So, that's really important.

Where can people find you?

Uh, Instagram's the main one, repin.daily on.

Yeah, wait, find me on Instagram at the creator.

All right, pop up someone, Kelly, digital social hour.

See you guys next week.