Phe @DatBoyPhe

Did y’all know Reflex lets you pick up random retail shifts without committing to a second job? Or am I late? 😭😂

Most BROKE people I know: - Avoid learning - Complain a lot - Blame the economy - Spend first, save later - Hate their job - Chase trends - Live for weekends - Have zero skills - Talk more - Stay in their comfort zone - Watch others succeed - Make excuses daily - Never track their money Most SUCCESSFUL people I know:

PLEASE STUDY: 1) Compound interest 2) Opportunity cost 3) Inflation 4) Cash flow 5) Assets vs liabilities 6) Behavioral finance 7) Tax structures 8) Delayed gratification You’ll understand money very differently.

Poor people use a debit card because they watched their cousin max out a 29% APR Capital One card on DoorDash and sneakers. Rich people open a $100 LLC, pull $100,000 at 0% interest for 18 months from Chase and Truist, and use the bank's money to buy cash-flowing assets. Use credit to get ahead in life (obviously don't be a fucken retard and just swipe a credit card with zero plan expecting to get rich. Have a plan). And if you want to be even smarter with zero risk on your own name: Be the guy who helps local businesses get 0% business credit cards and takes a 10% cut ($5,000 to $15,000 per client) for filling out the bank forms. You borrow $0 yourself. You never owe the bank a penny. And you get wired 5 figures from your laptop. Here is the exact A-to-Z blueprint to run this: 1) Pull a free list of business owners who desperately need 0% credit - Go to your state's Secretary of State website and click "UCC Filing Search" - Filter by filings recorded in the last 30 days - Type "Corporation Service Company" or "CT Lien Solutions" into the Secured Party box - Every local roofer, medspa, HVAC company, and dentist that pops up just took a predatory 38% interest cash advance because their local bank branch demanded 2 years of tax returns - Drop the LLC names into Claude to pull the owner's phone number and call 10 of them offering to replace their 38% loan with $50K-$100K at 0% APR 2) Run the 3-minute SmartCredit check (+ the $1,250 reject flip) Have the owner pull their 3-bureau report on SmartCredit and check 3 things: - 700+ FICO across Experian, Equifax, and TransUnion - At least one existing personal credit card with a $10,000+ limit (bank software uses personal limits as the multiplier to approve $35K-$50K business cards) - Personal utilization under 10% and 3 or fewer hard inquiries per bureau in the last 6 months If their score is under 700, you still get paid twice: - Charge $1,250 upfront for credit cleanup - Hire a Filipino VA on onlinejobs. ph for $3/hr to run DisputeFox: freeze their secondary bureaus (LexisNexis, SageStream, Innovis) and send FCRA Section 605(b) / Method of Verification letters to delete collections and inquiries in 30-45 days - Pocket $1,150 profit upfront, then take them to the banks 60 days later for another $8,000 funding fee 3) Fix their LLC industry code before applying Bank algorithms automatically reject or cap applications under "Real Estate Investing", "Airbnb", "Trucking", or "Auto Sales". Before submitting, classify their LLC under a Tier-1 low-risk NAICS code: Business Management Consulting (541611), Property Management, Healthcare Services, or Marketing. Even a 5-day-old LLC with $0 revenue gets approved on stated income, and 0% of the balance reports to their personal credit report. 4) The LinkedIn Banker Override + 3-Bureau Morning Stack Never apply cold on chase. com (the public website caps limits at $3,000, which only pays you $300). Search LinkedIn for "Business Relationship Manager" at Chase, BoA, Truist, Citizens, PNC, and Fifth Third in their state. Inside bankers have quarterly account quotas to hit and manually override limits to $35,000-$50,000 per card. Submit 3 banks in one morning across all 3 credit bureaus so the hard pulls never collide: - Experian pull: Chase Ink Unlimited / Cash ($40K-$50K at 0% APR) - TransUnion pull: Truist or BoA Business Advantage ($35K-$45K at 0% APR) - Equifax pull: Citizens, PNC, or Fifth Third ($30K-$40K at 0% APR) The owner gets $110,000+ at 0% interest and wires you 10% ($11,000) within 5 days under a 1-page fee agreement. I'm breaking down the live 2026 bank order, the LinkedIn banker script, and my 1-page contract on a free live Zoom class this week: excelerateacademy.com/X

W.E.B. DaBoi @Tyre_94

5 days ago

The debit card vs credit card discourse will tell you exactly who has experienced poverty or financial hardship before, and who hasn’t lmao

189 1K 41K 3.0M 4K

If you’re broke, stop listening to music. I’m serious. Turn that shit off. You put your headphones on. Suddenly you feel rich. It’s the easiest escalate from your problems. You need boredom and depression. You need it. That voice reminding you that you’re nowhere near where you want to be? You fucking need that too. Let the silence make you uncomfortable. Then use that discomfort to build a life you don’t need to escape from.

twitch.tv/datboyphe

12 years in 60 seconds. Do not skip this video.

If you're going to look for a remote job now, NEVER choose the following platforms: ・LinkedIn ・Indeed ・Glassdoor ・FlexJobs Instead, choose:

Life changing moments.

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@liltree2007 @The_RealDJL Yoooooo my guy @liltree2007

I think everybody should spend ONE weekend getting their life organized. Clean your home. Check your bank accounts. Review your subscriptions. Plan your meals. Schedule your workouts. Set your financial goals for the month. You'd be surprised how much mental energy gets wasted dealing with the same avoidable problems over and over again.

7 CAREERS WORTH RESEARCHING IF YOU WANT TO EARN SIX FIGURES: 1. Cloud engineer 2. Cybersecurity engineer 3. Software developer 4. Nurse practitioner 5. Airline pilot 6. Enterprise account executive 7. Data engineer These careers have different education, licensing, and experience requirements. Research the path and the actual job market before committing.

I'm in my 30s, and I've finally realized that nothing destroys your peace more than your own mind. Stop stressing over things you can't control. Breathe. Let your mind rest. Do this for 7 days, and you'll feel better, I promise. 1. NEVER SPEND ALL YOUR TIME AT HOME.

If I had $50 and wanted to turn it into $500 in the simplest way possible, here's exactly what I'd do: 1. Open a trading account before the end of the week. Not next month. Not after watching 50 more YouTube videos. This week.

Behind many successful men, there's a woman who walked away during his hardest times.

Quiero decirles algo a muchas esposas: Si su esposo no fuma, no vapea, no se pierde de madrugada y tampoco anda buscando validación de otras mujeres... Obsérvenlo un momento. Fíjense en cómo transcurre realmente su día. Porque, muchas veces, la vida de ese hombre se parece bastante a esto:

BEST TRADING TIMES YOU SHOULD KNOW! 1️⃣ 9:15 am – 9:45 am — Momentum trading 2️⃣ 9:45 am – 11:00 am — Directional trading 3️⃣ 11:00 am – 12:00 pm — Range / sideways trading 4️⃣ 12:00 pm – 1:00 pm — Low volume, avoid overtrading 5️⃣ 1:00 pm – 2:00 pm — Steady price action 6️⃣ 2:00 pm – 3:00 pm — Trend continuation setups 7️⃣ 3:00 pm – 3:30 pm — Pre-close positioning 8️⃣After hours — News reactions (higher risk) 9️⃣ Pre-market — Levels building, light volume Rule: Trade when the market moves, not when you’re bored.

The objective: financial freedom.

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Easiest ways to get rich: 1. Sell men lust 2. Sell women beauty 3. Sell parents peace 4. Sell kids dreams 5. Sell the rich safety 6. Sell the broke hope Same game. Different packaging.

@The_RealDJL They get your ass every year 🤣🤣🤣🤣