 All right, J.O.N., it's about time to get to work, man, play me some pimping. Play me some pimping. Play me some pimping so we can navigate to excursion. The combination of crack and weed bathed my eyes. Oh, shit, Seinfeld coming on. Seinfeld. I like that shit. I get real funky to that. Baby girl. Ow. I want to get real sexual. Yeah. Baby girl. I want to get sexual. Come on. The way you walk and shake your booty when you dance. I like the way it's sitting all in your pants. I want to smoke some reefer and drink some punch. And out of all the women in here, are you the baddest one out the whole month? Oh, baby girl. And get sexual. I want to take you to my house. And get sexual. Oh, yeah, mama. I can tell, by the way, you're looking at me. You want to go and see what I see. I want to get you naked. Oh, ain't your first thing said. Baby girl. I'm telling you the truth. Ow. I want to get sexual. That shit funky. I want to get sexual. To all the leavers in the house. I want to get sexual. Make it real nasty, girl. When we get sexual, you can bring your friend. If she want to come true. I got the dick in the balls, baby. The dick's for her, the dick for you. Taking my time to make you a freak. And we been making love. Baby girl. I want to get sexual. That shit on you. Baby girl. I want to get sexual. To all the freaks in the back. Let me hear you say. We tried to fuck. We tried to fuck. We tried to fuck. We tried to fuck. Baby girl. Baby girl. I want to get sexual. No matter if you got Gucci purses, little K's G's and half of the G's. I said girl. Baby girl. I want to get sexual. To all the freaks in the back. Hey man, welcome back. That shit might be true. This is voted the number one black show. Black people with two black parents. People with two black parents. MG, what's happening man? For those of you who don't know today, we got a very special guest in the house with us today. You see the shirt that he has on. Assets over liability. So that leads me to believe that this is one of those guys that knows about the EYL University and the great people over there that earned your leisure. Which happens to be extended family and friends of ours. Big things in the making. MG, the mortgage guy. Welcome to the trap. How you doing? What's happening? Appreciate y'all having me on. I just wanted to leave it open so you can give the people a brief introduction and a run down of what it is you bring to the table. Man, I bring a lot to the table. One of the co-founders of EYL University. You were supposed to be here the first time they came. I think something was going on in New York. You were in New York, that's what they said. I couldn't make it down here, but you know, co-founders. What happened to Marty up there? What happened? See? No. You sleep? To echo in this business? To here. Come on, man. She's falling apart without you. A baby girl. Baby. I want to get sexual water. All right, fuck it. It's recorded, no. It's recorded. Yeah, I was fired. Huh? J-O-N. What the fuck? What happened? Yeah, there we go right there. That's what we needed. 16th, Phoenix, Arizona. The Footprint Center. The Footprint Center. That's what we're going to need bathroom. Yeah, you probably can't open the doors with your hands. You got to put your foot up to the door to get in there. October the 16th. That's when we're going. You already go back to Phoenix. Man, I've been here to go back to Phoenix. They turned up last time. That's that show where you said we're with Kujibu Stigga and they be acting like they don't smell it and fly and skip off the stage. That was Phoenix. It's time to go back. October 16th. Come see your boys. Footprint Arena, Phoenix, Arizona. Get on Legends Tour. Get your tickets. Hey, man. Welcome back to the 85th episode of the show. We just had a second meltdown. And like I said, we got MG in here, man. Give me some more rundown. So, look, Co-Founder Ernie Leisure University. Co-Founder of InvestFest. Mortgage professional for almost 20 years in the real estate finance business. Hey, congratulations. That's a long time. Definitely a long time. Help a lot of people buy real estate, whether you're buying a primary residence, investment property. You know, whatever it is, man. I just help a lot of folks out here. People that look like all of us in this room right now. You know, billed well for real estate. We're the owners of Ernie Leisure. We just out here trying to do God's work, you know. Yeah, see, that's what you had to come through here, man. Yeah, I'm honored. It's a lot of people watching right now that have not purchased their first home. You know what I mean? Give them some... We're gonna jump right into it. Give them some tips and shit that they can start working on right now that'll help them in the long run. All right, so let's first start with the mindset, right? I think everything, no matter what the fuck you're trying to do in life, it all starts here first. First of all. To real estate, you gotta treat this like a business because it is a business. Even if you're gonna go live in a house, you gotta make sure you have a CEO mentality, right? You can't be emotional. You can't go out here overpaying for cribs. You can't go out here being house rich and cash poor. A lot of people like to go out here and buy real estate and don't have a pot to piss in after they buy real estate. Anything breaks, right? You can't afford it, right? It's gonna cost something. Everything's gonna cost something. At some point, these homes... It's gonna be a lot. If you bankrupt on your... You're gonna be a foreclosure away, right? So one of the first steps is understanding that, right? Because owning real estate, owning anything, any business, it comes with a certain level of responsibility. You know what I'm saying? First and foremost. So you have to be mature to handle this. So that's one of the first things I try to tell people. Second thing is credit. Credit is very important. Hell, you can't even get good car insurance right now without having good credit, right? So credit is the... I mean, anything right now is a whole nother story, but your credit gotta be right. Yeah, your credit ain't right. They treat you like you got a failure. Worse. They come back, I got bad news. They know your shit is fucked up, but they come back and they're like... You can be good if you play baseball. It's the URA. Who sent you? They know they do this shit. They be like, you can't... Don't look at nothing on this lot. Going that lot? That way, like, fuck up a hill somewhere. You buzzer. But that's why your credit gotta be right, man. And a lot of people don't... Look, people always ask me, what's the best way to repay your credit? I tell you, just pay your bills. Best way to pay your credit. Pay them, folks. Pay your fucking bills. You know you took out the credit card. You did. You know you fucking ran up the cell phone. Be an adult. But you don't have it. Look, it still works. Think about any credit in life, right? If you borrow $1,000 from him, if you don't pay him back, you think he gonna want to lend you some money, your street credit is gone. Because you don't pay back your money. He remind you that he owe you some money. But it's the same thing when you deal with these corporations, right? You have to build a relationship with them so you can continue to get money. And if you cannot pay... Your phone bill, whatever it is, your medical bill, what makes you think you can buy a house? What makes you think you can pay back the bank $2,000, $3,000, $4,000, $500,000 every single month? Because you don't have the history of paying somebody back. So the best credit repair is always pay your fucking bill. You know, credit score wise to buy a house if you're a first time home buyer, you need as low as a $580 credit score right now to buy a house. I don't recommend buying a house at a $580 credit score then you're gonna get beat over the head just right. Right? You're gonna have a mutt. You're gonna pay quadruple. 48% You're gonna have... Oh, that was interesting, baby. We ain't even cracked your law. I'm an 88-year-old. You owe $600,000 on an $80,000 out of a house. Basically, bro. Yeah, I mean... How are you home? The credit score number? Look, I think anything above $700 is cool, but if you even have a $660,000, I think that's a good starting place because you'll get a good interest rate. You won't get the best in the marketplace, but you're not going to get the $580 credit score, right? Now you're in a good position. Down payments, if you buy your first house and you can use an FHA loan, you can do as little as 3.5% down with that. There's programs out there, especially in Georgia, you've got all these different home buying programs and stuff like that. We've been trying to talk to the state senate so we can get some programs for black men to get some houses. Absolutely, why not? We don't get no kind of assistance. It's tough, man. It's tough. And the problem that I hate about any of these government-type programs, when they put it out there, they make it almost unattainable for people, right? They'll say you can't make $40,000 a year, right? Or $40,000 a year. How are you going to be there? How are you going to work in poor? That's what I read it to. How did you get this? Oh, well, you don't have a regular and we can't use this, man, come and fuck on. Because I'm not a regular person. So you've got to do other shit for entertainers. You've got to go drop way more down sometimes. No, they make you jump through hoops, government-funded programs. They kept asking me for money from when I was broke. I was like, look, don't worry about all that. Fuck them years. I didn't ask y'all to shit them years. Fuck with me now. I wasn't trying to buy no house in 2013, baby. I was fucked up. Why do you want to know how fucked up I was? Don't be trying to count. They asked you about your taxes in 2013. They got your makeup made! You ain't the winner, you win right back out! What you talking about? I was homeless with a house. Look at my life. I was homeless with a house. What you talking about? Homeless with a house. I worked a couple songs and I stayed with them. I messed up. My mama got that bitch. Bitch, I was fucked up. Y'all pay me, bitch. I was at jail. Oh, shit. You mean the year I lived outside? In 2013, how could I forget the year I spent under the starlight? You mean when I was just living recreationally? I was a no man from 13 to 14. From 13 to 15, I went on a journey of self. I was talking about when I was his tank. We all had like slurplow. We all had like slurplow from March. I was trying to figure out who I was. Except a journey of self. I became a hobo. I don't train to trade. Not even gonna tell you about the time I spent as a lion trainer for the circuit. That was at least two years. I was sleeping in New York at Central Park. They were telling me about the Indians. It was the Black Indians. I remember that. I don't remember. Oh, shit. The Black Indians? Don't talk about the mortgage, bro. He's going to the same church. Stage three. Don't get involved with him. He fucked up as a person. So, yo, you got three to hop and sit down. Two family, three family, four family. So, I always tell people to house hack, right? Especially if you don't have a lot of money. You're looking to be an investor. Use these programs to your advantage. You can go buy a multifamily. Bring in some rental income. You guys are talking about if you have if you're self-employed. If you buy a multifamily, you can use that rental income from that property to help you qualify also. But there's also programs for folks that don't really have to put too much now. You're going to have to do a minimum of 10%. You don't have to show no tax returns or nothing like that either. That sound dangerous. Nah, it's not dangerous. You don't want no tax problems. No, no, no. Even the years you spent outside. Nah, they don't want to see your tax returns. They just want to see your bank statements. They want to see last 12 months of your bank statements to see your deposits going in. So, you see the money is coming in. We see what you're making. It's right off 90% of what you make, right? God bless the... I pay me. I'm a conglomerate. I invest in me. I put it back. So then it looked like I ain't got nothing. No, but that's what you're doing. What you're supposed to do. As a business owner, you're supposed to show less income. So that way you pay less taxes. The tax code is built for business owners and investors. This is in the code, right? This ain't no... No, this is... Trust me, trust me. Trust me. That's what he's been doing. He's talking. No man. Send the people to his house at once. What do you mean? No, we don't know what... no problems with them boys, right? I'm an after-tax man with the bank statements and we use that as your income to help you qualify. So there's so many different ways to get fun and done. You just got to be working with the right people that have all the programs and that can kind of tell you, all right, this is what you got to do. And this is how you do it without getting yourself in no type of trouble, right? When did you start seeing success in the real estate business? Oh, shit. My story is crazy, man. Success is like this for me, bro. This shit been up and down. I was in the market. You needed a post to get a loan, right? I was giving people 3-4 loans at a clip. Like, no problem. I'm scared of the shit you be seeing, bro. I just don't want this shit to come back. This is what the bank was doing. You know the way you said it, man. I'm trying to like... You were giving them money? I'm mean personally, no. I knew they couldn't make this shit. But the bank was doing it. This is all documented. This was still open? Nah, how? No. I've been running out of business. I've been running out of business. I've been running out of business. I actually won the lawsuit against them when I fell it worked. They had to shut that old shit. That's another interview. Those were the wild cowboy days though, right? When the market crashed, they put so much regulation in that that shit would never happen again. But success, like I said, was me. The white dudes crashed the whole market. By themselves. They just ran off with the money. And they got to it. Oh my God, little Jim. Biggest shut down in America. You think I sold all my stuff? Where's one to go to Jim's or Rodney's? We talking here in the 2000s. Nah, this was like... This is like mid-2000s, right? This is 2008, 2006. 2008, 2006. I came in the game like 03. Had a nice run and then lost everything. When I came in the business, there was no internet. There was no Facebook. There was no Instagram. There was none of the shit that we what we're doing right now. Y'all ain't know how many niggas have homers. Bro, it was so crazy back then. I got so many stories. But we can talk about that off record. But it was so crazy back then compared to what you can do now. Like, it's just night and day. But when the market crashed, I lost everything. And it was just a matter of rebuilding myself because I didn't really know what was going on. Most of the 92 bricks had to crawl back? Basically. Basically. You know what I'm saying? Niggas off his feet. Straight off my feet. I almost wanted to kill myself. No, no, no. I'm telling you. 100%. When you young and dumb and full of come, real talk and you come from where we all come from, no one teaches you how to manage money. Nobody teaches you anything. Our self-esteem is built off of materialistic items. So once you start making money and you get the materialistic items, your world is trapped into that, right? Now when you lose that shit, it's just like that. It's like, what the fuck? I'm a loser now, right? And there was none of this shit that we have. There was no 85 South to have a guy like me on. There was no EYL out there. There was no mentors in the community because there wasn't too many black folks who was doing real estate. And if they were doing real estate, they wasn't talking about it. You know what I'm saying? It was keeping it to themselves. So there was no one you could really go to and like, yo, I can't go to my pops. You don't know what the fuck is going on, right? That's going to be our mission. We're going to find some of them old black people who was doing real estate and keeping it a secret. But there was a lot of those people that were keeping it to themselves and not educating, right? So for me, when I went through that, my whole mind frame was like, yo, damn, I lost. You know what I mean? I just had two young kids at the time. So for me, it was a lot of pressure. But, you know, God is good. And, you know, thank God, he spared my life and I was able to get through that. And that's why I said the first thing you start with is your mindset, right? Because I had to shop in my mind because my mind at that time wasn't shop. I was actually mentally weak and I didn't even realize I was weak until that shit happened to me. So building myself back up, it wasn't easy, but it was a great role and I'm happy for it because my mess became my message today. You know what I'm saying? And I'm being God honest truth with y'all. Everything that I talk about online is basically my mistakes. I just don't frame it like that, but I'm telling people I'm 43, I'll be 44 in August. So I'm an OG to me, right? And I'm trying to tell the people that's younger than me like, yo, don't do this dumb shit. Do stupid shit. Like it's not worth it. Don't be house rich and cash poor. Like it don't make no sense. Don't have the bank go and prove you. The niggas will fall close on you at any given moment. You don't pay these people their money. So for me, I take on the responsibility because I know there was nobody like me when I came in the game to kind of coach me, educate me, to show me the way. So now I feel like it's my responsibility. I feel like God brought me through all of that so now I can use my voice as a vessel for millions of people now to this more get your real estate business to help them execute at a very high level and sustain ownership, right? Because it's easy to get anything, right? You can make money today and that shit can be gone tomorrow. But how do you keep the money for a long time? And that's one thing I didn't realize. I didn't know how to do it. No one taught me it. Now I'm going to the club. I'm having a good time. I'm buying beamless. I'm living my life. I'm fly as hell. What do we idolize when we grow up? Ball players and drug dealers. So I want to look like a ball player in a drug dealer. Real talk. I wanted to look like a ball player that looked like a drug dealer. Fact stuff, right? But that's how we all kind of grew up. So for me, my drug dealers make that shit look good. You don't never see them selling drugs. You only get to see... They look smooth as hell. Fly cars, fly women. In the club. But then you start seeing who really got the world money. That's where I started wanting to be. Like the rich... The billionaire tree. I want to dress like I'm going duck hunting every day. Do you know what I'm saying? We spend so much time on this shit, bro. Money, just wake up, put clothes on. Don't give a fuck. It doesn't matter. Give it the same uniform every day. You don't have matches on your jacket. I know what you're talking about. They don't give a fuck. When I found success is honestly when I lost everything. To be honest with you, because that made me kind of hunkered down. Let me get this shit right first. What was the process? How did you... I know the whole shit was emotional with this shit, but like the comeback. What did you start doing to bounce back? I stopped treating people like a number and started treating them like people. Karma has no expiration date. So you got to understand when I came into business I was trained by Wall Street guys. I was talking about before who fucked up the market. I was trained by those type of dudes. I'm sorry. You see them movies like ballroom and shit like that? When I first came into business I was working in shops where it was like you're on the phone all day smiling and dialing. Everybody's a number. Everybody's a dollar sign. You're not a person. How much money can I make off of you today? People come to my office I'm thinking can I make three or four points off this person? I don't care who you look like. It doesn't matter. I'm going to make four points off because that's just what I was trained. I was trained to be an assassin. And I'm a firm believer Karma has no expiration date and that's why I lost everything. Because I wasn't treating people like people. So the first step was stop treating people like numbers. Treat them like fucking human beings. Actually start deepening relationships with them. Find out what's their needs. Try to really help them because I feel as if when I came into business I wasn't trying to help. I was just trying to make money. I was trying to sell. And that was the first step. How can I really help you? Tell me your story. This is I think the program that will be right for you. Me honestly telling you the truth. Bro you can't afford this. Why are you buying this? And I would lose deals left and right because there's going to be a bank around the corner or a broker around the corner that's going to do that deal. But I felt good going home at night being able to sleep knowing that I'm not putting somebody in something they can't afford but not only that I know a lot of people that foreclose. I foreclose on my properties as well and some of my clients foreclosed. That shit is nothing you want to go through in life. Especially when you have a family and everything like that. So going through that process made me more sympathetic to people's needs because I was a person also who was living great. But I was also a victim of the bullshit too because I wasn't educated enough. So if I'm going to be in this business, first thing I got to treat people like people. Second thing is I got to know the business. I got to know everything that I need to know about how to get these deals closed, how the banks work, how the Wall Street shit work. So then I just started studying the market and one of the best things I ever did was get a job at JPMorgan Chase. I tell people all the time me going to work for JPMorgan Chase as a loan officer was like me getting my MBA in real estate finance. Because there they taught me systems, they taught me time management they taught me how to deepen a relationship with the customers. I was working on Wall Street for two years doing loans for a lot of hedge fund people. That's what I learned generation of wealth. That's what I learned trust. That's what I learned. Real apprenticeship. No, that was fucking like going through your PhD. Because now you got these folks who got companies on type of shell companies and they got millions of dollars it's like but your personal returns have nothing. I'm like how the hell you got all this money in your company but your shit looked like nothing. Then I started learning the game and I started really learning like yo how these motherfuckers is really doing this. I'm like yo we playing the game all wrong and where we come from we don't know nothing like these folks. So that four years that I spent there really taught me strategies and really taught me how the 1% really start thinking and then I started taking that information and giving it to the people that look like me who would listen, who wanted to buy homes and that's when I started telling people yo you got to buy multi families. If you want to be a landlord, you want to create more income and passive income especially in New York there's multi families everywhere. So forget buying a single family home because the American dream is flawed. American dream is go buy the single family, white picker fence the backyard, barbecues and bar mitzvahs but while the landlords and investors are buying up the multi families and all of us are living in it. So then I started telling my people like yo now we got to get multi families we got to do this and that's when I started investing myself really getting serious about investing and teaching my people how to invest and my clients most importantly and then it just started taking off from there and now we're here and now I'm on 85 something yeah yeah yeah now we're here so like the game for me is just again teaching our people get a young black people some money game the money game is look don't be house rich and cash poor first and foremost don't bite off more than you can chew sometimes niggas eyes is bigger than your stomach so don't bite off more than you can chew if you want to be a landlord figure out the programs that work best for you to be a landlord if you want to be invested and if you don't want to be a landlord if you don't want to be invested don't try to keep up with the Joneses hold on his name Chris Jones don't try to keep up with this don't try to don't try to don't try to stay in your lane if you don't want to be invested we're on the internet now so everybody like you got to do this you got to do that now I do what's best for you man not everybody want to deal with tenants not everybody want to flip a house not everybody want to do Airbnb it's okay to go just buy a house you want to live in to be comfortable with your family or friends to be comfortable with your family and your friends. Stop comparing your life to other people's shit. Stop comparing your shit to them and don't let the internet get you into foreclosure, man. Because these fools out here on the internet will tell you everything under the blue sun, but they're not the one responsible for that mortgage. What we doing? Third. What we doing? October 20th. October 20th? Minneapolis, Minnesota. We going back. We in Minnesota. Don't pay for a shit like that. We in Minnesota. We might have to do the continuation of what happened at the mama whooped our ass that that whooped your ass. We done got a little older. We done got a little older. Now we got to bring it back. Return it to get old Latin. Are you excited about Minneapolis? I can't wait to get up there. They were crazy last time. They remembered her. That's what you said that nigga looked like. He was still evolving in the hallway. He was like, hahahaha! No, oh, shit. I was about to say November. October 20th. So it is. Hey, Minneapolis, Minnesota. At the Armory. Just the Armory. It's not called nothing else. No, just Armory. Just the Armory. Just the Armory. All right, but we going to be at just the Armory. Not just the Armory, just the Armory. The Armory, motherfucker. October 20th. What they say, get your ticket. Hello, everybody. My name is Carlos Miller. And I just came to spread a little black love because I hope you're having a good day because this is a good day sent best black love. Since I love you so much, I want to give you my discount code, my personal discount code, and go and get 25% off. L-O-U-S. Kind of look like love if you write it fast. But if you use my code, you'll get an additional 25% off if you go to the Good Day Sense website and buy you some of these dope ass candles. Man, that shit really do smell like black love, though. Like after black people been holding hands with some cocoa butter. That's love. Use my personal discount code so you can get you some of these nice ass candles and have a good day with a good day sent. 25% off. L-O-U-S. Black love. One of my favorites because I love you. And you're black. Even if you're not black, the code still works. That's the beautiful part about it. It's crazy. I'll see you next time. So the game is, man, just staying in lane. That's the best game I can give everybody because this shit is not rocket science at the end of the day. There's no magic trick that I can tell you about anything in real estate. I'm just trying to, I put it in a term in phrases that our people can understand because I'm not trying to talk over you. I'm trying to talk to you. I want you to be able to retain the information. But most importantly, just staying in lane, bro. Like you don't have to do what everybody want to do, but now don't contradict yourself, too. If you say you want to be an investor, you want to be a landlord, why are you buying a condo? Why are you buying a single family? Especially if you know you ain't got no money and that first deal is going to take all your bread. Why are you going out there to buy that single family, something like that? Go get that multi-family. Go get it because there's nothing wrong with it. Get it. Create that income. Get that experience. And then in a year you can move out. That's your rental property. Now you can go repeat the process and keep building your portfolio. So just stay in lane, man, and just really figure out exactly what you want to do and then go for it. Balls to the wall, man. Hell yeah. MG, did you ever hear about down here? About down, you can only have like one or two Airbnb's. Did you ever hear that? Yeah, but that's just in Georgia, but that's not in the fact right now. I know people are here killing Airbnb stuff. Okay, all right. It's going to be hard. Look, it's hard for them to try to regulate that because it's always going to find a way to figure it out, right? And right now the city of Atlanta, they push, or Georgia, I should say, they push those regulations back into September, but from all my folks out here that are killing an Airbnb, they're not worried about it at all because they're going to just, they're already up and they're going to figure out a way. They go buy them houses and become the owner of the business. See, and that's the thing, right? Light out. We have to, in our communities, we have to stop looking for the shortcuts, right? So Airbnb arbitrage is a good thing. You don't have to own a place, right? You can put in a corporate lease and do that thing, and you can make your money. But the rules change like that, and if you ain't an owner, that just shows you. Ownership is where it's at, because now you're giving the landlord or whoever owns that property, now you're creating that income and now they're seeing what you're doing. If those laws do change, they could kick you out and just keep the thing going. And now they're making the money, so you need to own whatever you're doing. So that's why I'm a big, I'm an ownership advocate, and that's why for me, it doesn't matter if you own multi-famies or single-famies, just figure the hell out. But another good thing that's in Georgia, what I love is you can do ADUs. Y'all heard of ADUs before? Accessory Dwelling Units. So you see how these cribs down, single-famies people turn a garage into another apartment? That's an ADU, right? That's legal in Georgia. Where you can buy a single-family home, say you have a acre land or half a acre, you can turn that garage into a whole apartment. It has to be under like a thousand square feet, I believe. And that's why the tiny home shit boomed and so on. We got a tiny home being built right now, right? And the tiny house. What's taking you so long? It's tiny. It's tiny. It's tiny. It's tiny. It's tiny. It's tiny. It's tiny. It's tiny. It's tiny. We could be the same weight. It's been built by a big house, dude, we could make this stand, too. I'm serious. I can bring a little hole up in the house. You'd better bring it home. It's so sad. They got a big deal up over the tiny house. They got it big enough. You can't make a box. Dude? Yo. Man, we need a tiny church. A tiny church. Yeah. See, you think I'm still your idea. They gonna come up there. You mean we blessing two people at the town. Put your mattress. Yeah, put your mask on. You believe in God? All right, cool. Don't breathe in here. But Tiny Homes is the play right now. A lot of people love Tiny Homes. We're gonna make ours a content house. You can make it. That might fuck evolution up if you think about it. The thing you live in a Tiny Home too long, guess what you're gonna turn into? What? A tiny person. That's so cool, man. Fuck it. You can only get his big niggas. Well, I mean, I don't think it's big niggas. There ain't no big niggas and no Tiny Homes. There ain't no big niggas. There ain't no big niggas. They're gonna be wearing the home, man. Crazy as fuck. That house outfit, man. He said that was a tough outfit. What? You gonna come in here? I don't know. All right, let's go to bed. Let me go lay down on the bed so y'all can come in. It ain't enough room for me. No, I'm fucking with you. No, but the Tiny Homes shit is be coming. It's affordable. You got one here, right? You said you're building one. We're building one right now. It's a whole community that's being built, I think, in College Park. So we don't want one. I want in on that. Yeah, that's all right. You should have hit me. I want in on that. Oh, it's another one being built. I'll give you the developers' information. Cat already got his life. Cat, appreciate it for looking at it. You got the Tiny Homes? Booker. There you go. You know Booker. Yeah, I know him, too. You don't book a tool? There you have it. He's the plug. Can you put the Tiny Homes on your own lot, though? On your own, though? Yeah, yeah. But he said that's a community right? Nah, I'm just cause it's like 200 bands. Yeah, damn, that's tiny. What if it's like 200? What if it's like 200k? Nah, not these ones. We're talking about. What you talking about? Nah, we're talking about. They just a little step above them home depots. Oh, you talking about a little shit? Yeah, yeah, yeah. You talking about a fucking house? A tiny house? No. It's just like 700 square feet. You got me fucked up. What you talking about, shit? I'm in one bathroom? No, it's a bathroom and a half, I believe. And it's like two bedrooms. It's like 700 square feet. I'm shitting. Yeah, and I'm shitting not bad. Yeah, they're supposed to be super efficient, right? It's affordable, right? America has an affordability crisis right now. So how do you solve it? Every house, look at little fucking Georgia. Look at the prices out here. The prices out here is crazy. Average price in Georgia I think is 535,000 right now. Yeah, yeah. Right, three years ago, four years ago, it's probably 200. Oh, much? Right? Like, it's going crazy. So how do you solve it? You got to get creative, right? You got to build affordable housing. And it costs less to build these type of homes and people can afford a $200,000 mortgage. That's going to give you probably a payment around $1,000 or $1,200 a year. That's the equivalent of an apartment. It's probably cheaper than an apartment. So you got to look at the affordability. So a lot of builders are now getting creative to kind of solve the problem. It's a smart play that anybody who's watching this, anybody in this room can do the same thing. I just want everybody who's watching this to know that buying shit like this is a process. Oh, 100%. I think a lot of people get frustrated with the process, though, because it is not like actually buying shit. It takes about 30 days to actually buy some shit. Absolutely. At least. To go through the process. That's fair. And that's not worth. No, it's expectations, man. I think people have their expectations set wrong. Again, the internet have you full thinking you're going to buy some shit in two days and you're going to be rich, right? You got to actually go through a process, man. You got to think about it. You're asking the bank to give you a couple $100,000 and they have no clue who you are. You got to understand they're going to ask you for your blood type, your DNA, all the paperwork, maybe your first bond. They're going to want everything they need to know to make sure that you can pay them back and you have to set your expectations properly and go through that process. And that's why it's important to be organized, too. You got to set yourself up so the money can flow through you. See, that's what you got to do. So you got to make a place for the money to live. If you want the money to come in abundance, you got to have a nice extra bedroom so that money can live with you. See, money don't like having a roommate. See, money like to be comfortable. You know what I'm saying? See, money like to have its own little spot where money can just be around you sometime. You know, money like privacy. You know what I'm saying? Money like... Money can't stand a tiny home. No, money need a more house. You know what I'm saying? A big house. See, money need a big house. You need a tiny home. So you can live in a big house. You know what I'm saying? See, that's what I've been trying to tell them about my whole seminar. Listen, listen to me. Hey, my seminar, I got seminar I've been selling online. I've been trying to tell these black people how to get this breast-stake money. Girl, listen, what you want to do is, see, you want to buy a home. You want multiple people paying rent at one time. That's how you make your money. See, you can get 1,100 a month over here. You get 1,300 a month over here. So what's that? 2,400 a month, that's on the same street. That's on the same street. That's on the same street. You ain't even got to move off the same street. You just do it all right there together. Multi-family. But then you pay your other bills. And see, you live low. You live low till you get high. That's how you get money in America. You understand that? You got to live low till you get high. You understand that? You got to make sure. You got to act like you ain't got a month of nothing. Look at me. Look at me. Understand that? Listen, you out here going and out to eat every day. Some days you just got to act like you ain't got shit there. I don't see shit. See, motherfuckers snagging their way out the game. That's what they fucking up at. You buy some gas. Then you buy 20, 30-hour worth of snag chips. Get you some to drink, some peanuts or something. Sit your motherfucking ass down. You're going home. Two peanuts is a dollar. Then you spend a month looking stock and get something to eat after that. You got snacks at the gas station and stock and went right across the street with women. I don't understand this shit. What's that now? Think about the last time we ain't ate. Think about the last time we ain't ate. Can't remember. Don't you? That's part of my seminar, niggas. See, listen, don't eat. Muffer get hungry. That's when you start making irrational decisions. Just like the slithers come out to say, you not yourself when you hungry. That's not you, that's not you. You turn to a whole nothing motherfucker who thinks that you five nationally independent. Do you remember when you was eating them noodles and you was thankful for them? You forgot all about noodles. Now you got a few dollars. You don't eat like noodles no more. That's in the seminar too. All in there. The whole chapter on noodles. The whole chapter on just financial nutrition. So that's the name of the book I'm coming out with called Financial Nutrition. Just because I tell you, my theory is, soon the muffler get hungry and you turn to somebody else. They don't know your financial situation. Then once you come off that financial, like hunger high, after you didn't even eat an outlet, you feel bad. He was like, God damn, I coulda ate that sandwich. I spent $38 on Uber Eats. And guess what? You still had to eat that muffler for example. It's crazy. Now you ain't got shit to eat tomorrow. Oh man. That's in the seminar. Financial house. Financial nutrition. Financial nutrition. Right. For the hungry, broke people. That's what, I might leave that bottom part off. I'm going back and forth with my pump shit. No, what if I'm firing you out on social media and all that good pimp shit? Oh man. Catch me at MG tomorrow, get this guy. Why you stealing my blunts? He's stealing my wine and everything. This ain't even, this is a promotional blunt. It ain't even a recreational blunt. It's for the show. Yeah, this is a promo blunt. That's like when they bring you the dessert cart. Hold on. You don't need this blunt on the cart. Yeah. That shit made out of salt. Can we get a live blunt? We need a live blunt. He trying to smoke the promotional tools. Them people paying me good money to be used to shit. Yes! He's going to smoke another prop. He's going to sell himself. Hold on, man. It's like we're shooting a commercial. We're not really eating this food. Can't we get a live blunt? Yo, y'all are crazy, y'all. Yo, y'all do that shit all day long. Man up, bro. Right. Yeah. You know what we created? We've created me a real estate with this show. See, we're going to occupy a space. We're creating a neighborhood online of black culture and we bring in people like you who do shit in the world. And then, you know what I'm saying, we bring them over here so the people who watch this show, I know the fuck with you. Like they'll notify you on social media to hit you with all their questions, right? Cause we got a whole bunch of people who are doing a whole bunch of shit right now. So a lot of college students who watch this, who are doing the real estate shit. There's a few people out there who are out there, you know, actually in the field. Like, I need to hit them and ask them. Like you said, ain't no mentors, ain't no people who look like us in these fields. So it's like, they know that we crazy as hell and we comedians and we say a lot of good shit, but they can't like, I don't know if it's real cause we comedians and they ain't live the life that we live, but then they can hit you cause you more serious than they'd be like, man, for real, you can help me get a hug. That's exactly what I'm saying. So just know, after this shit come out, it's going to be people that hit you, they'll be like, man, on some real shit. Like they don't know that you're already real. Look, hang me up now. That got a question. Let's go. Thank you, brother. I appreciate that. So it's all. November 12th, Chicago, Illinois. What? Come on, man. Going back to the shot. Come on, man. We going to the shot town. We going to be at the Winner's Trust. Back to the shot. Arena. And I trust that the win will be there November 12th, cause it's going to be November and Chicago. Back to the shot. Chicago, man. I'm going to hit the air. Let it be hard as hell to get into them Chicago's theaters. Don't care. Yeah, yeah, you got to park at the other theater to get into one theater. Hey, make sure you there November 12th. What? Return to get old legends tour. Live in Chicago, y'all been saying we got to come back to Chicago for the longest. We coming back on Phoning. We y'all coming back to Chicago. On Phoning. Coming back. Hey, don't say nothing they say up there. We don't know what that's about. I mean, we don't know. We didn't say it. Don't say it no more. All right, well, all right, November 12th, we're going to figure out what we can and can't say in Chicago at the one trustee. Yes. A lot of shit. We brought in came with all these brothers. Now you just came with a black jacket. Yeah, you can't wear your hat to a certain. For real? I wear my shit to the front. On Phoning. It's on you. Hey, what's up, man? Carlos Miller, Sunday, November the 5th. We will be at the Neil Blaisdale Arena in Honolulu, Hawaii. Me, DJ D-Rig, Esther Koo, DC Young Fly, and Rip Michaels. Make sure you grab those tickets. Hey, what's up, man? I didn't know you were right there, man. It's your boy, Jack Thriller, a.k.a. Luke Eyewalker, a.k.a. The Visionary. It's going down in the major way, man. That's right. I'm finally here. 85 South, 85 South, 85 South. We're talking about my new show, New Jack Thriller City, man. I got some of all my famous friends coming through from Music Soul Child, R.L., Drew Hill, delicious. It is down in the major way, man. And I need you to tune in. Not now, but right now to Channel 85. Make sure you subscribe to New Jack Thriller City on YouTube. New Jack Thriller City on YouTube. I'm telling you, it's going to be crazy entertaining from one to done. I'm even giving out relationship advice. So if you need relationship advice, man, make sure you DM me at Jack Thriller. New Jack Thriller City. New Jack Thriller City, live on Channel 85. Hey, do you have something in mind? Y'all go to commercial. Don't kiss them hoes in the mouth unless you got to. Let's go. What about your debt to income ratio? So I don't like to go off of that number that you just said. Everything in the mortgage world is DTI, debt to income ratio. So it's all on what your monthly payments are on your credit report. So if you've got car loans, student loans, credit cards, we're looking at that. And then we're looking at your income, right? But we're looking at the gross income. And what I'd like to tell people is your gross is not your net. You're not taking home your gross. So if you got $2,000 a month in monthly payments, but you make $4,000 a month gross, the bank might still approve you because that's a 50% debt to income ratio right there. But you got to really understand, you're more like a 75%, 80% debt to income ratio because you probably only bring home $3,000 out of that fall. Your bills is two. And you still got to pay for the maintenance, your cell phone bill, your cable bill. You got to put gas, you got to get some bar. You need to get some, you need to get some backwards. You know what I mean? My back is expensive this far right now. $9 a pack is serious, right? You can give me my way. That's what I expected about it there. God damn it. But it's all on your debt to income ratio, right? And that's really what we're looking at. So you want to make sure that your debt is low, especially right now we're in this recession. You want to make sure that you're not overextending yourself on bullshit, especially if you're trying to buy a real estate because you don't know what's going to happen in this economy. How do you add to on your income? I mean, you just got to get money. You got to hustle. That's the simplest shit. Right, it's the simplest. Right there, man, don't pass that up. What? What's the title? That's the name of your book. What's the title? Get that money, get that money. You got to hustle. You got to hustle. New book talks, new book. But you got to hustle, man. There's multiple streams. Look, one stream of income is too close to being broke. I'm a firm believer in that. So, and I think that's what fucked me over back in the day is I was only solely dependent on this mortgage business. And when everything crashed, I didn't have no options. I had debt, but no income coming in. So if you want to add to your income, you know, we're in the information technology era. We just talked about Uber Eats. Like think about it, you can go on Uber Eats and you can run up a bag. I know people making 100K a year just by doing Uber Eats all day long. And you ain't even got to talk to no money. You ain't got to talk to no, you just got to drive your fucking car and go pick up some shit and bring in somebody that you're never going to see. Leave it at the doorbell or in the doorstep and just keep it moving. And you keep it pushing. What's all that for you to tell me here, bro? But think about it, you somebody got to get paid to give you your shit. So. They're really charging like you going up in there, bitch eating. It's the same as going in there and sitting down. You're better off going in and sitting down or going to get it yourself. But it's another hustle. It's so many hustles nowadays. Yo, our people are just fucking lazy. Everybody's just. I'll say that. They're going to believe it. No, it's true though. And that's true. Let's keep it real, right? A lot of our people are just lazy. No, no, no. A lot of our people are lazy. A lot of our people have a sense of entitlement, right? They feel like shit is supposed to come to them. Like, even my own kids sometimes, like, and that's our fault because we spoil them to a certain extent, right? But even my son, I have to tell him sometimes like, yo, bro, you don't have shit. Dude, bro. You a broke man. My guy, Tux is laughing at me for five years. He knows. Like, that's how I talk to my kids. Like, you a broke- Broke best friend. You a broke woman. Like, I have money. You don't. Sometimes I make my son believe that too. Some days we just broke. We just broke. We just broke. About one day a week. Yeah. I tried to do this too. Like, we ain't got it. No, we don't. Fucked up the day. We fucked up the day. I need him to know that money comes in the cycle. I need him to know that some days we fucked up. Yeah, but you can't. Even if we not, I won't create. It's the mentality though. It's the urgency. It's the urgency too. And that's what I try to tell my kids or even anybody I'm speaking to like, yo, you got to want it, man. Because ain't nothing going to be given to you in this life. Only thing we promise is to live and die. Death and taxes. Only things that's the only thing that's guaranteed. So any way we live in, this is a luxury. Every day we wake up is a blessing, right? So we can't take it for granted. So I try to tell my kids, my clients, anybody who will listen. Yo, if you want to make more money, what the fuck are you doing? Everybody in this room got intellectual property. Everybody in here could be making, doing something and making money. You got mad. Get this! You got so many creators in here. Everybody in here could be making a form of income just by cause they work at 85 South. Yep. Think about it. Everybody in here could get another bag. You just got to be creative. And I fuck up the real bag. You got to come to work. You got to do what you got to do. Who the fuck laughed when you said the real bag? Somebody did. I ain't holding you up. Shit. Somebody did. You got to stick to your... It's a two-week nonsense. Somebody about to quit. Somebody about to quit. I don't know what it is. I don't know what it is. I don't know what it is. I don't know what it is. It's Marvin. I don't know what it is. I don't know what it is. I know I wasn't the only one. Somebody about to quit. But it's real talk though, man. That nigga, look at the stories, man. Oh. Hey, TMZ. I got the real reason that nigga left. You want to know about the in-house? But it's so much shit you can do, man, to get money. So to answer your question is, how do you add to your income? Yo, figure that shit out, man. Think deeper. I had a lady on my live the other day. I can't remember her name. I was shot out. But she was telling me that she's a lawyer. And she was telling me her mother had Alzheimer's. And she's had to step back from practicing law because she had to be a caregiver for her mother for the past three to four years. And she was thinking about what could she do next. And I'm like, you've been a caregiver for three to four years, right? I said, you got a book. You got a digital course. You got an e-book. But you a whole ass lawyer too. But on top of that, forget the lawyer shit. You know how many people, parents are suffering with Alzheimer's and dementia and all these different things? And need to sue the fuck out of these elderly homes? Not just sue the fuck out of them, but understand how do you go through that process? What are the steps that you are taking to get your mother life together because she was talking about how it was rough, but now her mother is kind of stable and everything like that? I'm like, yo, you got a whole book that you can write on that process because there's millions of people that go through that. And she was like, yo, I never thought about that. But that's what I'm saying. Like we all have that intellectual property that we can tap into our inner self to create more streams of revenue because you can't just have one. That would be my dream job. Just have me a little office with one desk. People just coming in and be like, how can I get money? Just down the hall. You just call those miller consultants. One little bit in the room, man. So come in, come in, come in here, nigga. I see you shoot them dice. Bitch you on the face. I always look out the door to make sure my back turn when you get in there. My back turn. You're gonna turn around like the dude was putting it in. Like man. You're gonna turn around like that. Come on. I'm gonna say something right now that I know you don't want to hear. You gotta bring your figure out. Quit your job right now. What? Quit your fucking job. It's costing you money. It's costing you 70K a year to work there. Nah, that should be hard, though. Nah, that definitely would be hard. Local consultant. Drop your social media shit again so they can follow you. So MG The Mortgage Guy, YouTube, Instagram. Also check me out on Earn Your Leisure, EYL Network, Ransom Jim's Podcast, No. 1 Brothers State Podcast in the Black and Brown community. Just so you know. Yeah. Yeah. InvestFast. Let's talk about InvestFast, man. InvestFast. InvestFast, the biggest album, man. Shout out to Troy, Shawn, Mike, the whole team, man. I love that. And InvestFast, man, it's the financial literacy, the Coachella of financial literacy. This is Edutainment at its finest. And this week in Atlanta, we're gonna turn up, man. Got over 10,000 people. I think we got close to 11,000. Let's go, let's go, let's go. August 5th, 6th, and 7th at the Georgia World Conference Center. Tickets are sold out now, unfortunately. But you can get the live stream by going to earlyillegion.com, right? Get the live stream. It's like pay-per-view. What happened? Now we are going to discuss it. Kay, you fucked up by a promo. Kay, you fucked up by a promo. Everybody stand down. Let's restart. Let's take a seat. Motherfucker, I'm so up late. Trying to navigate shit. Can you head a bit? I believe that's who laughs when you say it. Don't fuck it back. I think that was a one. We've exposed them all. We live in a thorn in my ass. It's like, fuck it, what's going on with you? Now you're the fucked up by the Santa Claus. He got damned. This is the slut he paid for. Take it from the top, we'll shoot it live. MG, tell us about Advanced Fest that's coming up real soon. Let's talk about Advanced Fest. Go to earlyillegion.com. It's the Coachella of Financial Literacy. We got Tyler Perry. We got Steve Harvey. I mean, we got Dan Catherine, Chairman of Chick-fil-A. We got Don Peeples, some billionaire real estate developer. We got Charlamagne the God. I mean, we got Wall Street Trapper and the Master Investor. We got Ernie Leisure. We got me. We got Keanu Watson. I mean, we got him. I thought you were about to say Keanu Reeves. I was like, no. What y'all doing? What y'all doing? What y'all doing? We got Trader Troop at the Ninja Turtles. At the Ninja Turtles, it's possible. We got the Ninja Turtles. All the original Ninja Turtles. We got the Ninja Turtles. At Trader. Man, the Ninja Turtles were like, hey, hey, hey, brought it for us. For the kids. For him. All right, man. Shit, y'all go ahead. I see him there, but nah. Look, go to advancedfest.com. Tickets are sold out right now, but you can get the live stream. It's going to be amazing, man. So you definitely don't want to miss that. You got to think about this, though. This is history in the making, right? You got almost 11,000 black and brown people coming off of financial literacy. Right. We got over three. There's going to be at least 200 white people there. We welcome them. I know it. We want them. They coming in anyway. They definitely coming. Ninja and we just shout out to our sponsors, JP Morgan Chase and everybody. We got JP Morgan. BET, shout out to all of our sponsors for it, man. This is shout out to our partner, Steve Harvey. This is for everybody. I mean, this is for everybody. BET, shout out to EBT, too. I mean, it's kind of like For Us Boss, right? When you really think about it, it's football, right? So you got him, look at him. So come. So come, but it's For Us Boss, man. You got to think about it. Four black partners, you know, me, Troy, Rashad, and Mike. You know, we thought about this last year. And last year, we had 4,042 hundred people somewhere around there and 180 business vendors. And we did that in two weeks of planning, six weeks of promo. And this year, we almost 11,000 tickets sold. 300 business vendors. We got three tickets. That's not even a... No, that's ticket sold. That's how many people are going to be in the Georgia World Conference, since like... That ain't even counting the niggas that's just going to walk right in. Oh, they going to pay, too. Yeah. Because they said what we do. You want us, you want us, you want us, you want us. They want us, they want us, they want us, they want us. If you want to pay, be prepared to pay at the door. Right. Because it's a lot of security, you know what I mean? And we're going to make sure you can't just be walking up in there, but we welcome you. We want everybody to come and learn, like I said. It's adjutant. Hey, tell me. He said, he said, fuck that live stream. Just show up. Break the crack off. Go get MG. Fuck that live stream. Go get MG. Tell us more about it. Don't do it. He said the whole nigga. Shut up. Ain't no way to shut up. You mean that? Cat already in there. Hold on, I can't hear him. Hold on, I'm finna come get you. Hold on. You see that nigga looking at the phone and not answering? Oh, yeah, baby. Cat, I can see you. What's up, y'all? She a girl, like Steve. And it's She a Girl's Day in the Call. And I got some really good news for y'all. Yes, period, y'all. We are about to revamp our whole Patreon. We got so much new shit coming soon for y'all. Like, we about to be doing challenges. We about to be doing blogs. We really about to be dropping a lot of exclusive content for y'all, so if one episode a week is not enough, y'all about to get some more content on the back end. Yes, y'all be saying, I don't think the episode's longer. I need twice a week. Well, this is your opportunity to see us twice a week. And also, you're gonna get a look into our lives. No one's on a personal level. So make sure y'all sign up at patreon.com backslash poor minds sign up today. There's different tiers. So if you want audio only, you can just listen. If you want video and audio, we have that too. And also we have a top, top tier where you get exclusive access to merch, shows, all that good stuff. So go to patreon.com backslash poor minds and sign up today, here we are. This podcast is sponsored by BetterHelp and 85 South listeners get 10% off their first month at betterhelp.com slash 85 South. Hey, what's up? Clayton English. It can be tough to train your brain to stay in problem solving mode when faced with a challenge in life. But when you learn how to find your own solutions, there's no better feeling. A therapist can help you become a better problem solver making it easier to accomplish your goals no matter how big or small. If you're thinking of giving therapy a try, BetterHelp is a great option. It's convenient, accessible, affordable and entirely online. Get matched with a therapist after filling out a free survey and switch therapists at any time. When you want to be a better problem solver, therapy can get you there. Visit betterhelp.com slash 85 South today to get 10% off your first month. That's betterHELP.com slash 85 South. Hey man, English major merch live right now. ClaytonEnglish.com, go get you some man. We got all the HBCU inspired colorways, man. Go get it, you know what it is, let's go. What's up y'all, it's your girl, Lex P. And it's your girl, Draina Cole. And y'all know who got the most fire merch in the game. 85 and four months, of course. Period, so y'all been asking about our rap tees that we had on tour for the longest. Our tour tees and the rap tees, they are both on the site right now available. Y'all go on here, go to buypourminds.com and get your t-shirts before they sell out. Yes, and also y'all know it's about to get cold outside and 85 just dropped some fire merch for the women. I'm telling you, they got the all brown fit, the all blue fit, the red is going super, super crazy. So make sure y'all go to 85apparel.com and get you a fit. I'm telling y'all, it's super comfy. It's airport outfits. You know a little sneaky link outfit, whatever you need, and I'm telling y'all, they are not restocking this, okay? It's exclusive for this season. So make sure you go to 85apparel.com, buypourminds.com and get y'all merch right now. Yes. Yeah, like I was saying, they like talking about the real estate. Now you got that, like a Boy For Plays club. Like, man, I can get in there, man, I bought all the MG CDs, man. Hold up, that was on my shirt. Look, look. Nah, it's going to be a five, man. You got to really think about it. No, you got some big, big line of MG. Nah, they gonna hold you out, they be like, look, you can come in, you just gotta wait. Wait for Steve to stop talking. Steve, Steve, talk it right now. Oh, I can't. You gotta pay to hear here. Yeah. Oh, you didn't see your wrist? Steve, Steve. Oh, you ain't got no Steve Parker wristband? Nah, Steve's gonna drop bad. Man, Steve is just, um... What if you come out there and really be Steve, he gonna have that goddamn cigar. Cigar, I didn't know. See, most of your niggas are here, though. No. No, no, no, no, no, no, no, no, no, no, no, no, no, no, That's what your mother fucking say. I'ma say it. That's what your mother fucking say. That's what your mother fucking say. Why you think I wasn't so motherfucker? Nah. With the cigar and everything. Nah, they ain't gonna have some feet out of everything. Boot yourself in the seat. Listen here. When I'm at my... Larger. Tell you one thing, man. First thing you gotta do, stop doing, stop getting all this loose pussy. That's first pussy, you know? Nah, that's gonna be a lot of Steve. Shout out to Steve, you know. I got to come here, this shit. Nah, it's gonna be a whole vibe, man. I still gonna be the man. What? I'm fucking with Steve. I'm gonna keep, I'm gonna stay on his ass, though, cause he call me missy. I'm gonna keep missy until black, though. Every time his name is a brother. Listen here. Keep my name out, you motherfucker. I can't. Do your little show. Do your little show. Do your little show. Do your little show. There's more times in the world to talk about. Do your little show. That's the first time I came on to do it. Nah, it's gonna be a bomb, man. So investfest.com, man. I want you all to pull up. Edutainment at its finest. I can't wait to see everybody in Atlanta this weekend, man. It's gonna, like the energy last year was crazy, so I know this year is just gonna be like phenomenal, man. I wanna speak in the next one. Pull up. You be making investment? It's gonna be what not to invest in. It's gonna be an uninvestment. Uninvestment? Yeah, you coming in. What you invest in? That's the best. That's shit immediately, boy. Let's go to the panel. Yeah. Uninvestments. Yeah. Uninvestment panel. You said don't go on that radio show. Niggas bought an old radio show. And let's go have one of McDonald's or something. McDonald's. We'll kill him, because our ice cream machine will stay working 24 hours. Only one in the city. Niggas, we don't even get... Hey, I'm telling you, bro. We got to be a contract. We got to be able to have our old ice cream machines. You're the first McDonald's with two ice cream machines. Working at the same time. What? Murder. We never down the ice. We got to be granted a license where we don't have to follow, because McDonald's make you get a machine. Then it's got to be repaired by the... That's why they always... No, but what if we get... I know how people work. What if we get two of them, though? They ain't never put two of them in there. Simultaneous ice cream machine. But you're using them both at the same time? You just got one on backup ready to go. One being clean, one is being the main ice cream machine. That way, it's like a 50-50 chance of like, even if one fuck up, you still got one. You feel me? This is the highest compensation I've been involved in. It's like, this is a true high-gold... This is what he's supposed to tell us. And where we should have messed it. Yeah, this is what we need you here, because what... Because it sounds like the problem that you need McDonald's to leave ice cream. We got to teach you one more. You remember this one we were talking about? The outside with the McBitches. Y'all ain't joking. The McBitches. Me and Clayton. We want to open our own piece of hut. But we want the recipe from 1996. Okay. Okay. The real piece that we used to like. I'm 96. How you getting that recipe? We want, that's where you come in. I can't help you with that dog. How you been? I can help you buy the building. No, yeah, you can. I don't think he can help you buy the building. Hey, can't never could. Can't never could. That's a gem. Can't never could. I'll help you buy the building. I'm like, all right, man. We'll figure out the recipe. Y'all figure out the rest. So I'll help you get the financing for the building. The crazy part is somebody who watched this show was going to be in the comments and going to tell us exactly who to call. Yeah. All the whole pizza is down there. Girl, man, they either daycare or strip club. Yeah. I've seen that she don't come. I mean, well, I'm my baby. You see, that's why we don't take him. I was just saying, because somebody took the pizza hut to a brave shop and they called it a piece of hut. But I didn't know if that was a piece of hut. He not bullshitting it up. He's like, that's serious. They do got a fucking weave store over there. They used to be a piece of hut. That's crazy. They changed the colors and put the pizzas in the window. Nah, this was a vibe, man. I appreciate you guys for that. No, man, anything you ever need from us, man, you know exactly where we are. But we're moving, though. We are going. Yeah, we got our own studio. Nice. I'm about to put about three vending machines in there, bitch. Smart. Y'all can get paper like a mob on here, man. You know, we got the vending machine place for y'all. Man, I'm putting backwood, condom, all type of shit up in there. It's really going to be a convenience store. You hear this? How much land they got? Who? On them tiny halls. Them shits ain't got no land, bro. It's like. Can I make a tall, tiny hall? Tall, tiny hall? Just a little bit more for me. You got the money, you can do whatever you want. So about $20,000 out the door. You can do whatever you want. You got the ground. I throw out the $20,000 in to make it tall. Make it a tall, tiny hall. $220,000. Is it going to get 3D printed? How y'all making these mobs? Nah. But, Don, they are doing a lot of 3D printed homes now. That's crazy about it, though. But, Don, these are regular construction. They just doing the three little pigs in real life. These tiny homes are made of straw. These tiny homes are made of sticks. These tiny homes are made of bricks. Get it. The world is yours, my brother. The world is yours. Ain't that crazy that they were teaching kids at a young age that if you want a nice house, you got to have bricks. You got to have bricks? You talking about some hot shit now. MG, once again, man, we appreciate you stopping here. Yeah, I appreciate y'all. All right, ladies and gentlemen, we out. We going with it. Appreciate y'all. Let's take a picture, man. Yeah, let's do that. Appreciate y'all, man. No, we appreciate you. We can sit down and plug you. It's for people. That look crazy just for black men standing up. That look suspicious.