Life after Death let’s Talk

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My books—Philly Dom’s Complete Guide to Seafood Processing & Self Preservation, Philly Dom’s Life and Truths, Philly Dom’s the Forgotten Fathers Story and Unfiltered Behind-the-Scenes of YouTube —are available on Amazon in ebook, paperback, and hardback formats. The first offers advice on how to break into the Alaskan seafood industry. The second book follows my journey from seafood processor to world traveler, while sharing my stories on my YouTube channel. The third book is an intimate account of one father’s struggles and how his love for his son brings him hope and resilience. In this fourth book the Unfiltered Behind-The-Scenes of YouTube, the focus is on a lesser-known struggle that most YouTubers choose not to openly discuss. I will delve into the nitty-gritty details, revealing the unadulterated truth.
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[Music] how’s everybody doing today you rocking out with the one and only Philly D I’m coming to you live and direct from um the Dominican Republic Cabaret Dominican Republic but today I want to talk to you about a special special special special situation that everybody has to face one day in life we want to talk today about life and death and I’m going bring my good buddy my good cousin in right now the talk with you let me bring him up boom Jack how is it going Billy D how’s it going good how you living Philly I’m living good man I’m out here in the Dominican Republic for a quick where where you at Philly what part of the The Dr you at right now C Cabaret Cabaret down the road from sasu I’m inan Cabaret right that’s that’s the surf town there yeah the surf Town yeah that’s a surf town I remember me to cabet beautiful place we had we had the um that’s where you got the the the hostel you love over there yep the hostel yep we all stayed there absolutely great times man always love traveling with you Billy always love uh seeing the world with you man you you’ve been doing some amazing things with New York I’ve been watching you watching what you’ve been doing with u okay with the immigration crisis the migrant crisis Philly you’re everywhere brother I’m really proud of you I’m proud of the grow I’m proud of everything you’re doing super proud of you I see people tricka on the live they actually watching it they watching the live I see everybody pulling in everybody pulling in so Philly one thing I gotta tell you man like I said you know I’m proud of you everything you’ve been doing I know you’re you’re you’re a person who always helps people uh you always find a way to help it’s through your books whether it’s through the migrant crisis that you’re currently doing now whether through um when you’re in Alaska you know you conquered Alaska you conquered the fishing industry I actually have your book right here show them the book show them the book you guys haven’t picked up the book on Amazon make sure you go this is one of many make sure you guys go and pick up Philly Dom’s book but Philly I know you’re somebody who always loves helping people this is what we love about you YouTube that’s what we love about you on real life Billy you’re always uh trying to find a way to provide value right we do the we do do the traveling thing we do the YouTube thing and it’s fun but you know one thing that we love about you Philly you always find a way to give back to the people give back to the fans give back to the people watching right you always try to find Value so we thank you for that Philly shout out to you Philly thank you man thank you man absolutely what I want to talk to you tonight about Philly and uh everybody in your community is I want to talk about life and death man how important is it man life and death two things uh promised to us in life was taxes and death we can’t get away from it whatever you guys do guys those two things are promised it’s an uncomfortable thing to talk about but it’s something that if we don’t plan uh if you if you fail to plan you you plan to fail right Philly yes indeed yes indeed if you fail the plan you plan and fail so I’m gonna tell you guys a little bit about myself some of you guys who don’t know me or are new to the channel and goad and mute yours right now you can mute yours right now okay so guys I go by name is Jac Wilkins I was born in Porter Haiti um shout out to Haiti shout out to all my Haitians out there um shout out to all the immigrants who are coming trying to find a better place trying to find a trying to give themselves and their family a chance right um looking to work hard I came in when I was six years old from the island of Haiti uh when I first moved to America my dad always told me Wilkins success leaves Clues success leaves Clues people don’t become successful accident I remember uh in high school I have all these Awards here I play basketball and I wanted to become a uh you know I wanted to be a basketball player I wanted to be like LeBron James or Kobe Bryant or Michael Jordan and you guys know they didn’t make it to the NBA on accident your favorite star they didn’t make it on accident there’s Clues whether they had to go through coo traveling League little leagues all there’s a there’s a there’s a road to S to to the NBA as a road to the NFL and there’s a road to success as well so I started my dad said Wilkin just follow the road to success uccess so I started looking at the top person in American society who’s the top person in American society uh you could be a governor you could be a uh a mayor but the top person is is going to be the President right so I started following the president how the president moves different things and I and I realize even the presidents it leaves a trail you know there’s you you could trace back what they do one of the things I always remember them saying is oh you know my family left me the vacation home or or that house so I always knew there was land and uh property real estate and to become you know this person that that was a part of the path you know they had a lot of real estate or had somebody left something and because I was the first generation to be raised in America I didn’t have anybody who was gonna leave me any real estate you know so I had to start uh building up my real estate portfolio as one of the things I did I started buying houses at the age of 24 years old in Sacramento California that’s the capital I started buying houses because I was like I knew that’s one of the steps to the path to success then I started you know really watching the presidents and they all say the same things guys you guys are going to laugh at me but you’re going to know he’s not lying shout out to the chat I see you guys shout out to the chat um the presidents always say the same thing hey vote for me my my my grandfather was a war hero go vote for me my dad was a war hero my son’s a war hero vote for me I’ve bled for the country I’m a war hero now listen guys like I told you guys I was the first generation to come to America which means that I was the first generation to be raised in America I didn’t have any war heroes in my family so I had to become the war hero right I had to put my family’s name on the uniform because once again this is one of the paths to success this what I’m learning it’s one of the paths to success I didn’t have anybody in my family that I could say hey my grandpa was the war hero so you know I had to be the war hero Wilkins had to be Grandpa war hero right so as I started doing better in life I’m learning about real estate I’m learning about um you know I’m learn about the benefits of being in the military you know I started doing better in life but then I started realizing the more money I made Philly the more money I made the more money they wanted to take it’s like the higher up I’m going up there’s there’s somebody like that it’s called taxes right the more money you make you jump to a different tax bracket 10 12 22 25% so the more money I was making the more money I was losing so I was like man I got to figure out about money how do I figure out how money Works how are the rich people continuing to get rich especially in times of tragedy and how how come the middle class the poor people still still stay poor so you know like I said I started doing really well military-wise I started doing really well with the with the real estate but I didn’t understand money and they say if uh they say the average millionaire has like six to seven streams of income right and it say if you don’t understand how money Works you’re G to end up working for money your whole life that’s why you know we still see people you know 50 60 years old who should be retired and they’re still working so I said man I got got to figure out how money works and when I figured out how money works I went and got my license in it I did the same thing I did when I figured out about uh about land I did the same thing I did when I figured out about um military when I figured out about you know different ways different aspects different ways we can move our money I went and got a license in it right and I actually ran into it on accident Philly you know me I’m somebody who’s always looking I’m looking Philly I’m trying to figure it out you know immigrant mindset is like I’m lucky to be here I’m appreciative to be here I got to figure it out so I was actually taking my my wife to a a spa I was taking her to get a massage and I accidentally ran into uh Mrs dalila Ray and Mr dalila Rays right they they run a financial services uh company and uh we started talking we started talking you know sometimes in life Philly when you ask God for something God will put it right in front of you and he’ll see if you remembered what you asked him right we can ask God man God I just want an opportunity I want an opportunity God I wish I knew better you know we always say if if I knew what I know now when I was younger I’d do a lot better in life we always say that if I knew what I know right now if I knew that when I was younger I’d do a lot better in life and we ask God for certain things and sometimes God will put it right in front of our face so on accident I ran into Mrs Delila Rays Mr Mr Mr Rays they’re the senior vice president uh of the company I started working for which is uh PHP people helping people which was started Ed by Mr Patrick B David right so I accidentally ran into them and I’m talking to Mr rays and he’s explaining certain things to me he’s explaining how money Works he’s explaining you know uh life insurance he’s explaining this and that and I realized you know the people in our community Philly African-Americans were we’re at the bottom we’re at the bottom for financial education we’re at the bottom for for and finances a Latino Community as well African Latino Community we’re at the bottom so I realized everything he was talking about this is something I need to know not just for myself but for my family and for my community because nobody in my community knows about money right so this was something that once I figured out like I said I did the same thing I did with the military and with the houses I went got my license in it so this is what I want to talk to you guys about today I want to talk to you guys about the different options that we have I want to talk to you guys about uh financial services and I want us to educate each other so we we’re not at the bottom of the community we’re not at the bottom uh in America for finances does that make sense Philly you there Philly D I’m there I’m here I’m listening I’d like to invite uh Mr and Mrs Mr and Mrs Ray on here Poss all right I’mma bring myself down and let them come in okay absolutely absolutely what’s going on wilus what’s going on Mr Rays how you doing sir doing good good how’s everybody doing amazing thank you so much for taking the time to be a part of this live uh like I said I’m I’m I’m very very thankful for you um I’m very appreciative that I got to meet you uh I’m very appreciative that you’ve uh you’ve been able to change my life in the past three months uh via financial services financial education you know thank you for pouring into me and pouring into my wife Jessica thank you for showing us um something that I never learned in school I never learned this in school I went to college I got I got my degrees back here um I never went I never learned this in school they didn’t teach us this and this is something they don’t really teach us in in our community as well so I really thank you for coming here and helping helping me Teach um people online as well as uh Mr Philly Dom’s uh people as well I love it now by the way thank you guys for believing in the in the vision and what we gotta got going on over here in the Woodland Texas by the way calling in for the Wood Texas and I see the chat going on if that if I’m you post on the chat where you calling from I would love to see where everybody’s calling in from city city you guys watching from City what state you from and by the way shout out to Mr Philly Don for allowing us to jump on this live with you guys today I hope I bring you some value and I hope we bring some value and by the way you guys got to hear from Wilkins one of our fastest growing junior broker here which it’s crazy because we ran into each other by accident we just kind of ran into each other but the longer I’m in business the more I believe there is no accidents right so which is exciting rather there’s a phly don for Domin Dominican Republic let’s go Billy Don I love it right Brazil sa Paulo oh there we go I love it Queens New York oh no way New York’s in the house I love see in the building by the way NYC in the building I love it so guys I’m I’m actually a California in the house I love it Karina thank you guys so much for jumping that’s right that’s right we see you on the chat by way so guys I’m excited to be here with you guys today I hope I bring you some value okay I hope I bring you some I’m G tell you a little quick story about me and how me my wife got started you see my beautiful family back here that’s me my wife my three beautiful and kind of tell you how we started this journey how we ran into Wilkins and what came about and what we do here today who’s the back coach who’s out in the back that’s uh Kobe anybody any recognize anybody recognize this guy right here that’s Kobe Bryant he was one of our guest speakers at our private company event we’ve had Kobe Bryant we’ve had Shaquille O’Neal Eric Thomas you name them you know Tim Tim Grover you Nam them we’ve had them as guest speakers which is excited even President George Bush was a guest speaker of ours but I I see Philly Philly’s on the house Philly in the house as well with that being said guys my name is Rene R senior vice president of phph is here here in The Woodlands Texas calling to you from a little town called The Woodlands Texas where you know Jessica and Wilkins move from from California now they’re here that’s how we ran into each other which is crazy to think about but guys M my wife I tell you this I don’t come from this background people always ask me R how did you get into this industry I don’t understand like how did you get into this industry you don’t come from this industry I used to be in O gas I did that for over a decade you know so then my wife you know if you’re from Texas you know anything about Texas the number one industry to be a part of especially Houston is usually oil and gas so that’s what my wife and I did we jumped into oil and gas because obviously guys great benefits great pay great everything and I said I want to go work there because everyone that had a nice truck the nice house wasn’t oil and gas in my family so I jumped into oil and gas right and I started doing that went into oil and gas loved it enjoyed it but anybody got kids in the house right if you got kids guess what you’re married you got kids there’s always one conversation that keeps repeating itself every year it felt like every other month it felt like right but every year it kept coming up and it was always around the topic of money and finances which by the way does anybody can anybody guess on the chat what’s the number one reason why most couples get divorced anybody want to take a anybody take a wild guess number one reason why most couples in America get divorced write in the chat write on the what do you think it is I’m curious to see by the way Brownsville Texas is in the house right Brownsville Texas welcome right you’re you’re you’re you’re neighbors right if you’re in Texas we’re neighbors even though we’re 10 hours away eight hours away 12 hours away we’re in the same state but okay by the way someone just answered you ready I see I see one answer right here someone just answered let me get a couple more answers what do you guys couple more answers okay let’s go by the way for most this was a big stress for my wife and I right it was a big stress for my wife and I look okay I see you know I love it I love it Financial stability someone just answered thank you so much um and I’m curious to know most couples kind of know about this some of you guys probably dealing with this now probably dealt with it before right you probably dealt with it you know in the past so you probably got to deal with it in the future but I’m kind of curious all right Karina said it Karina answered as well I’m kind of curious wi what did she say missina she said uh Financial Financial said Financial bad giren said Financial instability he thinks Financial wow that’s right well you know what’s crazy you’re absolutely right the number one thing that most couples get divorce is because of what Financial Karina and then you add on top of that three kids then you add a mortgage and by the way me and my beautiful wife Miss dala Reyes we’ve been together since 13 years old so we’ve been through the good the bad the ugly everything in between we’ve been together we’re Junior High sweethearts now we got a freaking kid that’s graduating high school how crazy is that which is crazy top five time flies guys it was that conversation it was money and finances even though we were moving up right we had a nice house we had a new truck new car it was always robbing about money hey sweetheart we need this for the kids hey sweetheart we need a bigger house hey sweetheart we need to start planning for college hey sweetheart my parents are getting older your parents are getting older who’s going to take care of them anybody I’m pretty sure all of you guys have had those conversations or are actually having those conversations right and so we had a plan and I I I kept I kept hating the fact that I didn’t know anything about money by the way how many you guys agree on the chat that you probably didn’t learn much about financial education in school right anybody learned that yes like if you go back to high school or college how much did we learn about credit I’m curious how much you learn about taxes I’m curious how much did you learn about where to put your money how to keep your money how to save for the future to buy a house to open a business business and look at that Philly D just said it Philly D just answer by the way keep commenting if you want to comment comment but you know what’s so crazy I guarantee you most of you doesn’t matter if you’re in this country it probably would even even even if you went to school in another country it’s always going to be the same answer which is crazy to me guess what we don’t learn we don’t learn a lot about money and finances ain’t that crazy we don’t learn a lot about that topic guess what we learned about we learned about photosynthesis we learn about everything else you know all these other things that are never going to serve us look at Mo just answered that’s right GMO zero zero we don’t learn much about it but you know what they did teach us GMO you know what they teach us you ready photosynthesis right they teach us you know the capital of Georgia the capital of don’t get me wrong I love my country and I want to know that but guess what the number one thing we don’t learn is financial education anybody ask yourself why is that why is that and by the way number one reason for divorce and people say8 is money that important let me ask you guys a question why do people move from California to this state of Texas because they’re to save on what money why do people go by go from you know one state to another because they’re looking to re relocate to save money why do people go back to school to get a second degree a third degree a fourth degree because they want to make more what money why do people go from one job to another job because they’re looking to get paid more what money that’s the whole point if money is such a big issue how come school doesn’t teach you a better job how come school don’t do a better job to teach you an i about that because I’m willing to bet that most of us on this call and most of us you guys watching this video most you guys watching this video even tonight right doesn’t matter when you watch it you know what’s so crazy we’ve all struggled at one point or another when it comes to that topic of money and finances isn’t that crazy we’ve we’ve actually struggled with that so anyways guys today in America I’m gonna give you a fun stat you ready just to give you perspective as to why so important to learn about and why you decided to join this industry guys today in America if you were to guess the percentage of Americans that are struggling with the topic of money and finances what do y’all think it is post it on the chat if you think what’s but what’s the percentage of Americans that are struggling with the topic of money and finances what do you think it is is it 20% is it 30% is it 40% is it 50% I’m kind of curious to hear from you because I give this presentation Nationwide you know we got office all over the nation and I’ve been able to give this presentation and I get the same feedback all over the country but I’m curious what do you think that what do you what do you think the percentage is and I’m you know and as you’re answering there I’m curious to find out what you’re thinking and it by the way even in your other country even if you were calling in from another country ask yourself what’s the percentage by the way someone just answered 85% Jo right Jay just answered 80% wow I’m curious to know what else what do you think is it n look at this Willie 65% wow okay there we go you ready photo synthesis definitely serves us yeah by the way 100% if you’re grow a farm it might serve you a little bit right but besides that it might not serve us too much but I agree with you on that one right unless we’re in case we have a farm but you know what’s so crazy most of you guys are actually closer than you think do you guys know that this 80% of Americans today are struggling and liit paycheck to paycheck why because interest rates are what super high you add interest rates being so high nobody’s really buying homes everything’s getting super expensive does anybody know what just recently went up again inflation and just so you guys know inflation is at the highest levels ever been in a long long time so guess what Americans are feeling it today cost of living is going up cost of rent is going up guys rent today is crazy depending on the state it might be a little bit higher than the national average average car payment does anybody want to take a wild guess what the average car payment in United States of America is in 2024 by the way for the last 12 months include 2023 anybody want to take a w guess on the chat what’s the average car payment Philly D says 600 bucks 600 anybody else want to take another guess 600 Philly D first one what do you think it is average new car payment for a brand new car 2023 going into 2024 what do you think it is I’m kind of curious do you know are you kind of researching that Willie says 450 Wow 450 wow look at this bad I hope I answered I hope I pronounced it right right baderan says $1,200 $1,200 look at I kind agree with that comment okay but just I’m Gonna Keep it here but I agree with that comment but you ready you ready the average car payment in 2023 going into 2024 $726 do you know how crazy that is by the way when I grew up the average car payment there you go average new car is 700 which is nuts is anybody a 90s kid I’m a millennial when I was in in the 90s guys when I was growing up and I was a teenager my dad bought me my first no truck it was around $300 $400 guys if we had a $400 payment we had a brand new Expedition I feel rich oh my God we’re making money my parents are making money guys today you know 726 the average payment you know what are you driving to Cora you know what’s you know what’s crazy today I had a client I go over finances with him I go to expenses the expenses of cars right that the next part we go over his car payment guys he has a brand new 2023 GMC Sierra you guys ready he’s paying a whopping $1,200 a girl on Tik Tok just went viral cuz she’s like oh my God wearing a pink shirt glasses you might find this Tik Tok and she says please guys tell me I’m not the only one with high car payments you know how much he’s paying for a brand new 202 20 uh 23 Taho you guys ready $1,200 her husband works in O gas bought a used truck you guys ready used truck not even a new truck you guys ready her husband’s paying $1600 for a truck do you know five years ago if you’re paying 1,600 bucks you’re driving a Ferrari you’re driving a Bentley you’re driving a seven series an M series whatever you want right a seven and S-Class a Mercedes today $1,200 you driving a use truck and that’s why so many Americans today guys are struggling they’re feeling it guys they’re feeling it you know what’s happening today in 2024 the highest rate of of car repossessions is happening in the first quarter of 2024 the highest has been in the last 30 years most people don’t even know that if you go look at Tik toks and put repos and see how many videos pop up and that should give you a little indication of where our economy is going by the way let me give you the second part anybody El what’s going up in 2024 you ready and this is might shock you a little bit foreclosures foreclosures why because interest rates are too what high and guess what all the real estate agents were telling their clients hey buy now and then when interest rates go down you can refinance by the way did they go down they didn’t go down guess what happened it went up so some people buy bought into a house at an interest rate that was already stretching stretch ing them hoping the interest rates went down and they didn’t they went up and that’s the problem with America today guys no one’s educating us and that’s the problem so my wife and I guys we were from having these conversations I got laid off in oil and gas and then from there I realized I wasn’t prepared financially I wasn’t ready I didn’t have a n I didn’t have anything saved up I lost my house I lost my truck I lost my car you know what I realized as a father as the lowest I’ve ever felt as a father the shame the most shame I’ve ever felt as a father as a husband and by the way guys I never wish that on anybody you being laid off not even on my worst enemy because if you get laid off that means your kids are not eating and by the way your kids have nothing to do with you and I not Laing each other so I don’t even wish that on my worst enemy not even because that means your kids are not eating that means your watch not eating besides you’re and I beef don’t matter right and I don’t wish out on anybody’s kids not anybody’s wife they shouldn’t go through that I got laid off and ask yourself this question if I get laid off today ask yourself this question ask yourself and be completely honest guys see there’s a quote that says casual people become casualties that’s a true statement and I’m not telling you this because I’m trying to sell you something I want you to truly take an inventory of your finances today as I’m asking you this okay now watch this ask yourself this if I get L off tomorrow am I prepared do I have a net rainy Nest EG do I have six months worth of savings can I pay my rent can I pay my mortgage can I pay my car what would happen if I get laid off what would happen if I get sick what would happen if my wife gets sick what would happen if my kids get sick am I financially ready for that and if the answer is no it’s okay you can still do something about it today and I hope I’d be giving you some value to so you can prepare and you can start doing something for the future you can do something for your kids but that’s how my journey started guys I said man I didn’t know any of this and guess what I started realizing there’s so many tools and resources out there that a lot of us are not even aware of we’re not aware of and that’s how my journey started here in this company called Peach penc right alongside this gentleman right here called Patrick McDavid he runs the number one channel for entrepreneurs in the world we connected I educated myself and I said man I want to be able to educate make a difference make an impact and be able to teach the middle class American because middle class America is getting served by the way is not getting served it’s underserved right underserved when it comes to this when it comes to this topic yes the gap between middle class and the average by the way middle class and everybody else the wealthy people in America is actually getting bigger and bigger and bigger so the question is how do we separate that how do we make how do we close in that Gap by being financially prepared by being financially smart and that’s what I hope home to teach you today so with that being said I hope you guys are ready and if you want to ask questions ask them on the chat I’m here to answer any question you guys got and I hope I bring you some value and I hope you learn from this bald Mexican calling in from the Woodman’s Texas and I hope I bring you some value because this are the things that I put in place for my family for my loved ones because I care about them and I want you to be financially smart financially ready when it comes to this topic and I hope to educate you today so with that being said again thank you Philly Don for allowing us to be on this live chat today so please give him a shout out for allowing us to be on this live today with you guys today but I’m going to teach you guys on the board H anything else you want to throw in there before I jump on the board and kind of talk to him a little bit about what we got no I’m just uh I’m excited guys just so you guys know financial services financial education people pay thousands of dollars to sit down with a with a senior vice president like Mr Rays he pays thousand people pay thousands of dollars to be able to talk to uh some of in finances like like we said they don’t teach us this so Philly Dom thank you so much for always helping your people thank you so much for always bringing value to your people thank you so much for being so diverse what you do Philly being able to to give people traveling tips uh being able to talk to people about you know the different crisises but also teaching people how to make money right teaching people how money works because we would all like to travel like Philly D right shout out to the chat some you guys wouldn’t want to travel all over the world like Philly uh some of you guys wouldn’t want to do that but for us to do that we have to uh learn about money learn about how money works if not we’ll be working for money our live so shout out to the YouTube chat Philly Dom the want only Philly D appreciate you and Mr Rays thank you so much for being here thank you for providing this to our people um our community is not is not we don’t we don’t know this we don’t so thank you Mr raay for taking this time of course guys by the way I’m gonna share a couple more stats before I go guys I’m want gonna show you something real quick that I share my clients every single time every single one of my clients I’m gonna share with you here what I go oneon-one with one of my clients oneon-one keep their money for the future for savings for retirement and you know what’s so crazy this place I’m to show you about you ready what if I told you there’s a place you can keep your money that is taxfree anybody likes taxfree post it on the chat if you like tax free because the goal is to be able to keep as much as you what make right so I’m G to teach you a little place that I teach my clients something that I learned about for myself from my family from my future from my kids from my beautiful wife and I hope to give to you there we go sou Philly D says yes okay I’m gonna teach you guys about it but you’re ready me give you some fun Stats today in America I talked about inflation all these things that are happening let me give you another thing that’s happening that no one’s talking about a lot of average Americans today can cannot retire cannot retire do you guys know the average American 401K has $56,000 56 Willie 56 you ready 56,000 let me ask you a question now here’s the crazy part about the 56,000 it’s 56,000 without even being taxed it so after taxes do you really have 56,000 no you don’t so anybody ever ask yourself how come there’s so many older people working at you know HB Kroger CVS you know at Walmart at Amazon delivery if you order Uber Eats guess what you’re going usually the average driver delivering to you a 50y old 45y old usually if you travel on you get an Uber guess who’s picking you up especially in America it’s going to be a 50y Old 45 between 45 and 50 because guess what they can’t retire and they need to make some extra income to keep up with inflation to come back to fact they’re not getting raises at work so that’s the average retirement account now let me give you a perspective that’s the average retirement account if you’re Latino and African-American on this call that 56% doesn’t even 56,000 doesn’t apply to you you ready if you’re Latino African-American the average African American has a whopping $116,000 in retirement account 16,000 Yes you heard that not1 160,000 16,000 by the way the average Latino you think we’re doing better than African-Americans or worse than African-Americans according to MSNBC they they released an article by ethnicity who makes the most amount of income most in retirement and most in savings you ready number one we’re indian-americans not India from Native Americans Indians from India they’re number one when it comes to income average savings average retirement account second is actually Asian Americans second with average salary average savings average retirement account third Caucasian most people say Caucasian first it’s not they’re third place fourth place African-American and for all the Latinos watching wherever you’re watching from Dominican Republic for all the Latinos in the house you guys ready we’re last place how we last place oh my Latinos how we last place we on average have 14 Grand in retirement and it goes back to our demographic is not talked about this we’re not t about these things and that is the problem so today how do you s for that how do you solve for that what I’m gonna teach you is what I teach my clients and by the way do you guys know when I sit down with my clients some of you guys have to talk to your friends talk to your spouse talk to your co-workers talk to you you know whoever maybe a financial adviser that you have in your family or maybe someone that you met and there’s always main places people talk about or they told me as my clients hey Renee I’ve always thought about keeping money here hey Rene I currently have money here there’s always three main places that most Americans keep their money at this presentation I call the four homes is the four most common homes people keep their money now the main the first three are the main three where most Americans usually keep a majority of their money so I’m going to talk to you guys about those homes the first place when I sit down with my clients and I ask them hey Mr Mrs client where have you thought about keeping your money or investing your money for the future for retirement to go on vacation more like Philly D right Philly D’s going on vacation all the time you know traveling all over the world what do you use to make more money to be able to travel to be able to go on vacation sa for college retire your family what do you do what’s the main place you keep your money you guys want to know what what do you guys think is the most common place people answer me when they think about investing to make sure they got money for the future what do you think drop it on the chat what do you think is the number one place most Americans keep their money what would you guys say it is well the number one place they invest their money and the hopes of it growing to be able to have money for the future what do you think it is I’m curious on the chat if you if you know the answer then you know put it down there put it down on the chat if you know the number one place or you kind of think of you know the number one place I’m kind of curious to see what you guys would say and see if the same feedback I get here wow okay baderan sends the bank you’re close you’re close baderan good job good guess though anybody else want to take another guess number one place most Americans keep their money you ready number one place is actually the stock market Let me Give an example okay the stock market I’m going to write it on the board okay the number one place most Americans keep their money is the stock market now it can be individual stocks but it’s also yeah that’s right Willie says a mattress that’s right today most people don’t have any trust I like that Willie but you ready it’s usually the stock market it’s a stock market but let me give you a perspective when it comes to stock market it could be individual stocks or accounts like these things like a 401k anybody heard of a 401k right 403b TRS IRAs mutual funds right 457s TS P’s all of these are accounts that are tied to the stock market now that’s the number one place usually keep people keep their money or majority of their money and that’s the most common place most of my clients keep some of their money the second most common place Badger and you just answered it my man that’s right second most common place you guys ready is actually real estate real estate how many guys have thought about investing in real estate anybody thought about investing in real estate and by the way there’s nothing wrong with that right second most common place when have thought about investing in commercial residential you know land be able to sell in the future usually second most common place real estate third most common place is what someone answered earlier you guys ready is that is the bank third most common place is the bank right these are the three most common places people tell me now I’m going to give you one last place where I tell my clients okay the answer I give them and I promise you you’ve heard about it I promise you everybody on the call Karina you’ve heard about it let maybe someone didn’t educate you on how it truly works you probably heard about this but I’m going to give you perspective today now now here’s a question guys why do people like investing in real estate and in the stock market what are they hoping their money does why do they like investing in things like real estate or the stock market because we all know that usually in real estate or in the stock market eventually our money is gonna what grow we want to growth right 100% now can I ask you guys a question how many guys want growth for your money I’m assuming all of us y all all of us heard that statement we want your money to work for what you you want your money to work for you we all want growth now what’s the one good thing about keeping your money in the bank why do people like keeping their money Bank why is the third most common place that people keep their money the bank you ready here’s the number one common answer I get for my clients and it’s not interest rates because most people say he an interest rate nope you ready is actually actually it’s actually safety Renee I like the fact that it’s safe now we’re gonna dis dissect that here in a second but people tell me Rene I like the fact that it’s safe okay cool it’s safe now we’re going to talk about that here in a second right that’s right they feel the bank is safe that’s right I like I like the way you guys think on this call that’s right now how many guys want growth for your money I’m assuming guys all of us want growth for our money how many guys like safety how many guys like losing money I’m assuming none of us like losing money right we like we like safety because some of you guys lose $20 and guess what you what you’re like I promise you where’s my wall I left 20 bucks somewhere I L you know I left my $100 bill somewhere there’s no way I’m gonna look everywhere now you imagine you losing $20,000 in your retirement account $10,000 $40 ,000 nobody likes that right so we like safety we like growth can we agree with that we all want that we want safety and we want growth awesome so we want those two things but there’s two other things that I tell my clients you want to keep in mind when you think about long-term investing I said my clients Mr M client you ready there’s one more thing you should be considering outside of safety and growth what is that you want to make sure you keep your money in a place that gives you liquidity why guys guys guess what if emergencies happens how fast do we want to access our money Proby immediately I want to be able to touch my money today what if a good deal comes around I want to be able to buy that property what if something comes up I want to be able to invest in my kids or retirement or whatever it is I want access to my money mediately right awesome and then lastly I told my clients Mr Mrs client you got to make sure on top of liquidity on top about safety and growth you should look out for a place that gives you some tax advantages right tax advantages because guys do we want to pay more in taxes or less in taxes please post it on the chat do we want to pay more or less what’s the name of the game we we usually want to pay what less right now let’s talk about the three most common places Americans keep their money and out of these four things you should be looking out for we’re GNA see what real estate gives you does it give you four out of four or one out of four or two out of four bank one out of four two out of four four out of four stock market what does it give you out of the things you should be looking out for for your money because all you guys say you want growth all you guys say you want safety well we’re going to look at this right here and compare I’m going to give them a passing grade or a failing grade and then I’m going to give you one place I promise you guys all of you guys have heard of but it’s going to shock you today and I hope you’re going to get some value today so let’s go through this real quickly you ready let’s talk about real estate for a second in real estate is my money liquid is my money liquid can I touch it whenever I want whenever I need it or does it take time in the process to sell my real estate guess what it is you ready it takes time in the process so my money really is in what liquid is your money safe in real estate or can the market fluctuate look what’s happening in the market today in America it can what it can fluctuate right so your money it can so how’s the money growth in in the in the stock in the real estate up down up down up down and right now would you guys say real estate is up or real estate is down in this country I’m curious post it on the chat do you guys think real estate is up or real estate is down I’m curious to find out from you guys what do you think it is what do yall think it is wow Philly D Philly D by the way Philly D I saw you drinking something earlier right look nice now I might be drinking a little bit something different anybody know this brand right here topoo tooo Willie says up okay Willie says up ready ready okay real estate’s way down okay you guys ready prices are up but they’re over inflated you ready but real estate as a whole is actually down guys why is real estate is down right now why is it down if you look at realter.com you’re going to notice that a lot of real estate properties are actually lowering their prices why because interest rates are too what high do you guys know that 60% of Realtors I’m sorry 60% of loan officers left the industry I wonder why that is because no one’s applying for what interest rates do you guys know what industry they’re looking to get into my industry but guys real estate as a whole by the way next is going to be realtorss that are going to be leaving the industry because interest rate too high nobody’s selling no nobody’s doing anything right now real real estate is actually down right now as a whole and then lastly do you get any tax advantages investing investing in real estate yes no what do you think it is post to the chat I’m going give you three seconds you ready you get some tax advantages as a matter of fact real estate out of the four things that you guys said you wanted safety growth liquidity all these things you guys ready it gives us one out of four one out of four one out of four now guys can I ask you guys a question if me and you are students in class and we got one out of four questions right on exam but we passed on a fail in the exam we’re probably what failing but that’s the most common place most Americans keep their money number one by the way second most common place I’m sorry real estate real estate now Renee is real estate investment a great investment about her real estate is a great investment it is it is hold on don’t put hate comments on the chat you ready it is a great investment so what did you say you just said it wasn’t no no no no it is but here’s the key word you ready here’s the key word long term what’s that key word long meaning 10 15 years from now if you were in the market right now trying to flip a house what would happened today what would happen today what would happen with interest rates what would happen property taxes all these things are happening but real estate one out of four now let’s talk about the bank and the mighty bank is my money liquid can I touch my money whenever I want whenever I need it you ready yes yes now yes it is liquid up to a certain amount right because if you had 50 Grand you want 50 Grand our cash from the bank are they going to give it to you probably not but it is liquid up to a certain amount is your money safe at the bank some of you guys posted on the chat you ready is your money safe at the bank it is it is up to a certain amount right because it’s FDIC insured up to 250 what does that mean anything over to 50 you’re not insured most people don’t even know that answer now why is that important let me give you two case studies there’s a big Bank in California that went out of business over a year ago called Silicon Valley bank now why is that important to you guys on the call let me give you two case let me tell you two reasons number one it was one of the biggest banks in America but number two do you guys know that 97% 97% of people that had their money in that bank had more than 250 so imagine you had savings your retirement your life savings out of your business everything you’ve done you log in Monday morning FDIC that means that the government took over your bank you had 10 million you had a million you had 700,000 you had 500,000 you had 400,000 shoot you had 300,000 and you lose two you lose 50 Grand you lose 100 Grand 200 Grand a million how would you feel some of you guys lose $10 $20 and we’re crying $100 we’re like man no please Lord I need that 100 bucks imagine losing 50 Grand 100 Grand now people people outside of California tell me this because we’re in Texas my Texas clients tell me but that’s cforia that’s nothing to do with Texas okay let me give you a second study for all my Texan friends and everybody out everybody else here on the call from New York to Washington you ready let me give you the second case study there’s a little bank called Citizens Bank which which which a bank that’s been around in this country for over 95 years you guys ready it just went out of business over a month ago now why is that important to you because I guarantee you all the clients at Citizens Bank never thought that bank my bank will never go under it’s a bank that’s been around for a long long time you got to know what’s going on Signature Bank went under last year Citizens Bank went under I mean what’s called which kovia is no longer around Silicon Valley Bank is gone look at what’s going on today in the economy but you got to know these things so anyways the bank okay second thing third thing do you get any growth at the bank how’s the interest rate that you get at the bank do you get a lot of interest a little bit of Interest what how’s the interest rate you get you ready you don’t get a lot of interest right the average is 01 today 02 depending on what bank you go with and you’re GNA need tax advantages keeping your money at the bank you ready of course not because your money ain’t growing so guess what the bank actually gives you only two out of the four things we looking for again guys if me and you were students in a class and we got two out of four questions right I don’t care how much our teacher likes us we can bring your apples every day we could be the best students give her gift cards every day but guess what and we get two out of four in a qut and an exam they’re still gonna fail us doesn’t matter if they like us or not SE third most common place people keep their money by the way most minorities especially Latinos guess what’s the number one place they trust the mighty what bank because guess what it’s been around for a long long time and that’s the mindset I’m trying to change but anyway that’s the bank now let’s go to the number one place guys and we’re about to be done okay I’m going to give you one more thing on the slide we’re going to be out of here now let’s talk about the number one place Americans keep their money number one place I guarantee maybe you’ve thought about keeping your money which is a pH car and Ira let’s talk about that here in a second okay when it comes to 401ks and IRAs and counts are the types of the stock market is your money liquid in a 41k and Ira can I ask you a question is it is it liquid or other rules and regulations and guess what the answer is rules and regulations so my money is a liquid because usually I can’t touch my money till 59 and a half if I touch it beforehand guess what happens I get penalized and I get taxed bad Rene you cannot touch your money today right you gota wait till 59 and a half now if you touch it beforehand you can technically but you will get penalized heavily and taxed heavily right so your money releas in liquid is your money safe in in full1 care Ira or any of these accounts that are ATT to the stock market and guess what the answer is someone post it on the chat this stock market’s never what safe because your money can what you can make money but you can also what lose money so how’s the growth in the stock market up down up down up down and guys going into a pres presidential year they’re talking about a recession coming up do you what do you think is happening to the market right now is the market up is Market down anybody notice that Tesla is laying off anybody’s know that UPS is about to lay off anybody know that Walgreens closing to stores Across the Nation anybody know that UPS is about to lay off 12,000 people does anybody know there’s a lot of stores closing stores do you guys know that Express anybody likes shopping at Express just file for bankruptcy anybody know that it just filed for bankruptcy so what things happen in the market is actually going in the down term now here’s a question if the market is going down what does that mean for your family what does that mean to you what does that mean to your loved ones that have money that is tied to these accounts are they making money or are they losing money right now what’s the answer they’re losing money so here’s the question what are you what are we doing about that who’s educating them who’s teaching them if not for you and I and that’s why I hope you watch this video you pause this you replay and you share with somebody so they can get educated on this stuff right they can get educated on this stuff but the Market’s down right now how crazy is that and then last do you get any tax advantages keeping your money in the full one care and Ira the only thing you and I get is something called tax deferred what does that mean that you don’t pay taxes today you pay taxes when you what retire Willie when you retire retire guo and here’s a problem with that guys can I ask you an honest question do you guys think taxes are going to be higher or lower when you and I retire even two years from now even five years from now even 10 years from now shoot 15 years from now do you guys think post it on the chat do you think taxes are going to be higher or lower than they are today I’m curious if find out from you guys and let me give you some things food for thought when you before you answer this question you ready we just gave a lot of money to Ukraine we just gave a lot of money to you Israel we just bailed out Signature Bank we just bailed out Silicon Valley Bank we just gave a lot of stimulus check to the America we just buil a lot of businesses during Co you ready Willie just answered the question what do you think taxes are gonna be like they have to be what HED they have to be hir so here’s the question why are we putting a money in a place where you can’t touch it it ain’t safe it ain’t liquid and you can get what taxed and there’s no regulation on how much The Government Can tax you they can decide at whatever year what the tax is going to be imagine that imagine that so as a matter of fact you ready the number one place number one place most Americans keep their money or attempted to keep their money you ready only gives you one out of it’s actually I’m sorry gives you zero out of the four things you’re looking for because you don’t get liquidity you don’t get safety you can make money but you can also what lose a lot of money because you don’t got any you know stopping and lastly you don’t get any tax advantages matter of fact you get zero out of four places zero out of four things that you’re looking for how how crazy is that by the way this is coming not from a guy that’s never had that I used to have this when I worked in oil and gas my canc were actually handled by Guess Who Merl Lynch by the way do you guys know there’s an article by the does anybody know who created 41k anybody want to take a wild guess who created 41k anybody want to take a wild guess you ready I think this answer is going to scare you a little bit you you guys know who created 41k is if you don’t know there’s a video called retire put this on YouTube you’re on YouTube now put this on YouTube retire 41k Time Magazine there’s a video that talks about three minutes why the chief editor Time Magazine says why you should get rid of these thing and why they’re not working and you really gives you stats and real information Chief editor Time Magazine anybody heard Time Magazine big magazine retire 401K you guys ready this answer is going to shock you do you guys know that Congress created 41k do you guys know that Congress now let let me repeat that one more time you guys know that Congress created 41 case now last time I check guys the government is doing has only has one job to do from you and I and that’s collect what anybody want to post it on the chat what does the government have to do what is there one job to do collect what from you and I I’m curious Biden just hired an extra 100,000 IRS agents I wonder why they’re doing that by the way there’s more audits that there ever been in this country why are they doing that he just put a capital gains tax of you know I is like 50% why is he doing that because the government has one job and one job to do only that’s right Willie and that’s collect what from you and I taxes taxes and so guess what if the government created this do you really think they set it up for you and I to have the advantage and the answer is guess what probably not probably not see and that’s the issue but most people don’t even know who created a 41k most people don’t even know they’re thinking oh my God is the most wonderful thing in the world most people don’t know that how crazy is that right so anyways that’s the number one place okay Rene so what’s the fourth answer what’s the place let me give you a place before I give you the last place ready there’s a book that I can recommend to you guys okay has nothing to do with me has nothing to do with my company there’s a book called the power of zero by this guy named David mcnight go read this book there’s another book okay that I could recommend I’m gonna post it on the chat with Wilkins there’s another book that I recommend every single one of my clients I give this book to them but you ready in these books guess what you’re going to find out look at what it says the power of what zero in the back it says how you can go David man explains how you can go to a zero tax bracket anybody want to go to zero tax bracket anybody want to do that guess what this place right here is the number one reason why people like let me give you some names that use this to their advantage you guys ready anybody heard of Macy’s or shop at Macy’s well guess what the founder of Macy’s had this account anybody have heard of JC Penney or shot the JC Penney the founder JC Penney had this account anybody heard of Ray croc from McDonald’s and the brook Book of John Maxwell one1 leadership he talks about the story of the MC of the McDonald’s brothers and how they started to grow and this a guy named K r I came around named Ray Croc that expanded McDonald’s well do you guys know that Ray Croc had this account to be able to expand McDonald’s do you guys know that there’s a guy named a Jim Harbaugh from Michigan University’s head coach now Chargers head coach paid half the salary into this account by the way let me give you another one more recent one anybody heard of a guy named Waka Flaka the rapper he puts three to$ four million into this account now why do they all have that in common and how come all these people know about this you guys ready how come you and I don’t know so what’s this place you ready this last place actually gives you the four out of four things that we’re looking for what is that it gives you liquidity meaning you can touch your money whenever you want whenever you need it for whatever reason without penalties second thing is my my money safe okay it gets it guarantees me safety because some of these compan has been around for over a hundred years so they’re not going anywhere and they’re very very heavily regulated through the through the government so I mean through States right they’re very regulated so they’re not going anywhere you ready lastly I get growth anywhere from 6 to 11% with a 0% floor what this should give you a peace of mind Renee I want I want more average growth I want more growth you guys ready if you look at the last 20 years at S&P 500 what’s the average return you guys ready the average return has been around 10% 12% 6 to 11% you guys ready you get 6 to 11% growth but you ready 0% floor what does that mean when the Market’s doing good you get 6 to 11% but when the market is doing anything bad you’re not making any money but most importantly you’re not what you’re not losing and then lastly you get some tax advantages but you ready you can touch your money whenever you want it’s safe it can grow and you can touch the growth plus the interest you ready penalty free and most importantly let me let me say this clearly you guys ready let me say this clearly tax free remember the 0% tax bracket that we were talking about what if I can show you a taxfree place you guys know there’s only one play that gives you four out of four things that you’re looking for if you were to guess on the chat guess on the chat what place you think gives you four out of four what vehicle gives you four out of four things liquidity safety growth and most importantly taxfree where you can touch your money whenever you want whenever you need it without any excuses without anything it pays zero% on taxes can anybody tell me what place do you think post it in the chat what place do you think that is I’m curious didn’t find out what what place gives you four out of four is that a Roth iray I’m curious what would you guys say it is what end stre and more more importantly what vehicle what do you think it is what place I’m curious are you ready while we while you say this guys I hope you do your research on this but you ready check this out the one place I recommend my clients the one place I actually once I learned about this is where I have my money I have this for my kids I have this for my family my parents my dad you guys ready there’s only one place and that one place is only one industry gives you this place four out of four and that’s the life insurance industry and more importantly a actual life insurance product called an i index universal life insurance policy do you guys know that’s how it works gives you four out of four liquidity safety growth is one of the most powerful tools that you can use for generational wealth how crazy is that now here’s a question how come you and I don’t learn about it how come you and I don’t know about that let me give you one last feedback and then I’m GNA give you one last slide and we’re done today here’s the crazy part about this you ready ready people I had I had my CEO and Mentor say you know what’s crazy you can find out really quickly based on Sports what the wealthy what the sports are for the wealthy and what the what the sports are for the poor and I’m like oh my what are you talking about what do you mean there’s Sports for the poor and Sports for the wealthy they’re like yeah yeah let me give you perspective hold on before you answer get mad at me there is Sports for the wealthy and Sports for the poor I’m like how do you determine that he’s like by the type of commercials they play during halftime he says okay now give me perspective and I’m going to ask you guys what kind of commercials do play do they play during the Super Bowl I’m curious what kind of companies Play commercials during the Super Bowl what commercials I’m curious guys who do you think post who makes commercials every year no matter the year no matter the team no matter the Super Bowl who’s who’s advertising during the Super Bowl doing the World Cup during uh the World Series B baseball what kind of companies do commercials there have you thought about it yet is it companies isn’t it a company like Doritos is any companies like cors light any companies like budik any companies like you know Taco Bell any companies like McDonald’s any companies like Pepsi Coca-Cola they never miss now if you’re talking about those Sports they’re always have that in common now how come most of us don’t hear about this because you ready the companies that offer this are companies like Mutual Omaha you know a AIG all these other companies you ready they don’t advertise there you know where they do advertise you ready anybody ever watched golf anybody who watched tennis out of the 32 companies I represent I guarantee you you’re going to going to see most of the companies I represent because they don’t advertise to everybody else they know that most people that watch Super Bowl watch World Cup watch World Series you ready and this is gonna hurt a little bit I hope you’re sitting down and I hope you don’t take offense to it because that was me too you ready they know that most of those people they’re not thinking about saving they’re not thinking about the future they’re not thinking about retirement they’re thinking about spending they’re thinking about YOLO I gotta I only live once I gotta spend today like I got no tomorrow and part of it makes sense right because we’re not promised tomorrow but also what if you do longer what if you do got a future what if you got a kid what if you got a wife what if you kid becomes one of the smartest kids you want to send to Harvard or to another College what what then what then what if you want to open a business what if you want to travel more what do you do but you know what’s so crazy he says the richest sports are actually Golf and Tennis and you’re got to Golf and Tennis guess who’s not gonna commercial there Bud Light guess who’s not gonna have commercials there Doritos guess who’s not gonna have commercials there but you know who will have commercials there AIG Mutual Omaha John Hancock Le Financial Group why cuz they know that that demographic watching tennis and golf are thinking about money cuz all wealthy people have two things in common they’re thinking about having more money and what keeping their money they don’t like losing money see Warren Buffett’s got two rules when it comes to money number one what number One never lose money rule number two you ready never forget rule number one never forget rule number one how crazy is that life insurance industry and an i is the reason why I got in this industry guys because I want to be able to educate my family educate my my loved ones because I don’t want guys I’ve seen too many people I guarantee you most of you guys have people today in your family over the age of 55 60 still working why is that because I got nowhere to keep their money retire retirement money how crazy is that so if you learned a thing or two and you want to learn more more about this guys please we’re GNA post a link on the chat where we can set up a one-on-one on a zoom call I kind of educate you on this and how this looks like for you and what some numbers will look like I think you’d be very impressed on how the numbers will look with that being said guys I got one more slide anything you would like to add this on this Wilkins or anything else you would like to add on that or a question maybe you got from here no you know Mr Rage thank you so much for taking the time to educate us um one thing I would say guys in our community African-American Community Latino Community uh we we think life insurance is supposed to be used when you die so we have this idea of it like oh no no I don’t I don’t need it it’s like Bou get it away from me I don’t need it we don’t understand that the rich actually use it while they’re alive right that’s right um this is something that I learned like I said guys once I learned this stuff I came to America when I was six years old looking to make it I got to make it I feel like I’m I’m taking up a spot of somebody else so so many people are trying to get here so when I’m here I W to maximize it right I didn’t come here to be broke I came here to to be rich I came here to to work hard as an immigrant but we don’t know these things we don’t learn him in in high school we don’t learn him in college and we have a misunderstanding it’s not that the Latinos are are lazy it’s not it’s not that black people are lazy we’re actually some of Laos are some of the hardest working people uh in America black people were hardworking people but what we’ve learned is working hard doesn’t make you financially free you can work hard and you still see my 60-year-old aunt at Walmart or at Costco or somewhere you know doing the receipts you guys see it every day it’s right in front of us so what is it that we’re not doing what is it that we don’t know that the other people know that they’re being able to succeed and they’re be able to retire their family they’re being able to enjoy life I was looking on Google Mr Rays average man only lives to be about 7 5 76 years old so if I’m only have 75 suers 76 years old but I’m supposed to work till I’m 65 65 and a half they literally want me to work till I die that’s right and if I don’t know what you’re teaching us right now sir it’s if if we don’t know it guys you’re listen what’s the other option the other option is you’re gonna work till you die so that’s that’s why I got into this industry that’s why I started learning about this um it’s something that I need to know for myself my family and my community that’s right so guys I’m GNA give you I hope you got some value on this I’m GNA give you one slide because not every life insurance works like that so I’m going to give you slide and kind of walk you through what actual policy works like this because there’s three different types of life insurance policies it doesn’t matter what company you go with it doesn’t matter where in America you are it doesn’t matter there’s only three types of policies don’t let anybody else confuse you with that only three times from All State to Farmers to farm you know Nationwide all state are you in good hands I hope I put you in better hands than All State okay just throwing that out there but just want you guys to know I represent over 32 of the biggest and some of the oldest and most trustworthy Better Business Bureau accredited and a rating approved those are the companies I represent so I’m going to teach you a little bit about that okay so what’s some of the options for you now what’s that specific policy I’m gonna teach you about that and today there’s two two options today when it comes to money either you learn to save money because guys it’s not so much what you make it’s so much is what you keep and Americans we’re taught to spend not to save so today I hope I taught you where you can save your money secondly maybe you’re in an boat and you said right okay well what if I don’t have money to save extra money to save what’s my option the second option for you is learn how to make some extra money on the side make some money on the side whether do something side hustle do something guys there’s so much way so many ways today you can make money but I’m going to teach you maybe why you should consider getting into our industry maybe you thought about say your name what if I want to be able to get a license become an Insider learn about the stuff make some extra money can I do that of course you can and then you won’t have to listen to this information from a stranger you could learn it for yourself and teach your loved ones and the people you care about about this information guys this industry changed my life and I hope I can show you a little bit about why Wilkins is here a lot of my guys are here and then kind of go from there so that being said I’m going to share one slide here can I I don’t know if I can share it here uh uh Wilkins yes let see if I could present or someone can present it here can you present it or you want me to bring it up go ahead and present it okay there we go so I’m gonna go ahead so there’s three types of policy so guys I’m going to give you the three types of policies today now if you decide to partner up with us in the future I’m G to break down there’s six different products and services that we offer our clients here from debt consolidation to annuities retirement plans to give you guaranteed income for Life yes I said guaranteed not maybe guaranteed income for life with annuities okay where you can make money not lose some of your money but it’s an actual retirement account it’s not life insurance it’s an actual retirement account we you offer long-term care all that stuff now today I’m not gonna talk about all those things I’m only gonna talk about one to keep this short and sweet is the three types of life insurance policies now two things you’re GNA learn You’re Gonna Learn how actual life insurance works this way and what policy specifically works like the way I I talked about earlier and number two maybe you thought about Mar 2024 I want to make some extra income I would love to work alongside someone like you I would love to learn about finances I would love to learn about entrepreneurship I’ve always thought about doing something for myself have more freedom have more ability to make income and earn and get some of my time back get some of my time back so with that being said I’m gonna give you those two splp sides right uh when it comes to life so let’s break it down there’s three types of life insurance policies the first type is something call it term life and for the most part guys most you guys have heard of term life insurance is the most popular and most common life insurance policy in the marketplace today when most of my clients are down with me this usually is what they have but let me break it down how it works let’s use an example that’s on the screen of a 34y old lady that wants a $500,000 life insurance policy for 30 years what does that mean that she wants to be covered from 34 to 64 something happens to her between that time period her family’s if she passes away her family receives the $500,000 death benefit they inherit that to pay the house the cars anything they need with that they’re taking care of now the reason why this is the most common and most popular policy out there is the cost of Super Low it’s very inexpensive it’s only 30 bucks a month which by the way number one reason why most people don’t even consider getting life for sure because they think it’s too what too expensive it is not it’s very inexpensive by the way if you’re under 30 you guys ready for a 20y old that’s like 15 bucks a month if that less than you’re gonna spend at Starbucks by the way in a month just so you guys gas less you’re gonna spend on gas imagine less than on G exact and you got the piece of mind you find family taking care of it’s funny to me Wilkins how everybody takes care of their insurance for their car insurance for their house insurance for the roof insurance for everything for their cell phone for their for everything the one one asset the most important asset the most valuable asset right when I ask my clients wens what’s the most important thing in your life they never say their phone they never say their car they never say their house you know what the number one common answer I get their kids my family my kids the question how come you don’t have insurance to take care of your more most precious as because if you like watches aren’t there insurance for your watches in case something gets lost or damaged right there you go you want to make sure your watch is taken care of and you got insurance right how come you sure the most important ass you will ever have yourself and your family so anyways Insurance family number one the term so it’s very inexpensive it’s 30 bucks a month so how does this work you ready family pass I mean the lady passes away family said you know death benefit but here’s the question for everybody what do y’all think happens to that 30 bucks a month then the client’s been paying every month for the last 30 years if they don’t pass away between the age of 34 and 64 what if the client turns 65 and she lives this contract and the contract expires what happens to all the money that clients been paying every month for the last 30 years you guys ready you can pause it here and you can answer yourself you ready she loses it she loses the money the insurance companies keep the money and this is from state from the farmers to all it doesn’t matter where you go all terms work like this now I do to my clients guys it’s better to have something than what nothing it’s better to be covered than not covered better to have something than nothing now that’s the way a term works it’s kind of like having car insurance guys we have it what happens with car insurance if we pay it every month when do we get our money back in car insurance never right never but we have it just in case just in Casey that’s right number one reason why most people consider a term so there’s nothing wrong with a term but you got to know how it works you got to know the pros and cons so that’s a term the second Tope of policy guys and we’re already halfway through this last slide and we’re out of here we’re done you ready let’s go through the Roop the Roop the second option out there you have in the marketplace something called an Roop how does this one work let’s use that same example of the same 34y old lady that wants the same $500,000 life insurance policy for 30 years if the lady so what does that mean if anything happens to her between that time period again her family again inherits $500,000 to take care of the house the cars the funeral expenses everything’s taken care of now as you could tell here though guys the CLI paying a little bit more instead of 30 bucks a month now she’s paying what 100 bucks a month 100 bucks 100 bucks yeah double or triple so here’s the question why is that because guess what what if the client doesn’t pass away between 34 64 what if the client are 65 and she outlives this contract what do you think happens now does she lose her money what do y’ think now I’m kind of curious what do you think happens to the money she’s been paying for the last 30 years and the term she loses the money why do I think it happens in number two you guys ready she gets all her money back Ro stands for return of premiums or return of payment so what does that mean for you and I that if something happens to me or my wife my family I got the piece of mind my family taking care of but if nothing happens to me hey I also have the piece of mind that I get all my money back no interest no nothing just what I paid in I give back would anybody like to have that piece of mind hey well shoot if nothing happens to me at least give me my money back I I’m okay with that right yeah that’s Ro so if you guys had to pick between number one or number two which one would you pick I’m curious post it on the video post it on the chat even after the video CH guys which one would you pick number one or one or two if you had the option between one and two which one would you pick one or two right some people are answering already number two right number two okay cool number two now here’s the question did you even know this policy exist Kina says number two Miss Karina says number two that’s my Karina number two I love it number two but here’s a question Karina did you even know this policy exist before jumping on this live thank you to Mr Dom again and thank you to Mr Wilkins for inviting me today did you guys even know this policy existed I’m willing to bet you probably didn’t and why is that Guys these companies been around for a long time how come you’ve never heard of it you know why because there’s not enough agents in my industry and that’s what I’m looking to change to be able to change this industry to be able attract more agents like Arena like a you know some of you guys on the call that maybe you thought about doing something different so we can go educate everybody because everybody can learn this information so that’s the second policy the pros the good thing about this policy you get your money back the bad thing about is that it does expire right so that’s the the RO awesome so Mr I clear this up Mr so the number two the Roop is kind of like when you in a house you take care of the house by the time you leave you get your deposit back that’s right that’s right number one is credit an apartment guys do you ever get your money back in an apartment of course you don’t right once you leave you keep that money there number one is like running an apartment number two like running a house they give you your deposit back at the end if everything’s taken care of right that’s right Wilkin thank you for that and then number three you guys ready number three is kind of like buying real EST I’m going to show you where I’m going with this here in a second now the third one the permanent is the iuo that I mentioned earlier that gives you a liquidity safety growth and the tax free advantage that’s this one specifically the permanent policy okay something called an index Universal line now with this policy obviously you get this this account that gives you the savings account that’s the cash value safety growth taxfree advantages liquidity that’s the cash value we get two other benefits on top of that it’s also life insurance so guess what the the death benefit is actually permanent and being that it’s called permanent guys how long is this policy going to last you guys ready forever you have the peace of mind it doesn’t matter when you die it doesn’t matter when that happens your family taken care of it doesn’t expire like number one and number two they both what expire this one never expires and whatever age you get this policy guys is what you’re gonna be paying forever so meaning if I got it at 30 my what my premum is going to be at 40 at 50 at 60 80 at 90 they’re always gonna be as if I was what 30 years old you’re locking that rate unlike number one and number two you got to reapply at 65 because they expire right so you got to reapply and once they’re once you reapply they’re more what expensive so that’s the first benefit the second benefit and then the last benefit guys is that middle benefit called living benefit now this is where things get interesting you want to know what’s the number one thing that throws people out of retirement it’s usually not the fact that they retired too early you want to know the number one reason that throws people out of retirement out of taxes you guys ready is the fact that people don’t expect to get sick and when we do get sick can ask you a question do we are we typically prepared financially you know what the number one answer is we’re not and you know what the number one place people go touch their money in their what 401ks and Ira and if you touch your money before 59 and a half we went over that already you’re gonna get what penalized and taxed how crazy is that so this policy guess what it’s got something called The Living benefit so what is that mean if you die guys earlier we talked about the death benefit that if you die you have the peace of mind that your family taken care of but what is the living benefit here’s the living benefit you ready that if you happen to get diagnosed with a heart attack cancer stroke anything like that chronical illness or critical illness that benefit is actually paid out to you while you’re still alive so what does that mean that if I die my family is taking care of but if I don’t die I get sick I’m also taking care of I don’t gotta worry about money I don’t gotta worry about touching my investments I don’t got to touch about I don’t gotta worry about selling my real estate I don’t gotta worry about if I do got money in the market I gotta go take that money out I don’t gotta worry about touching my 41k to prematurely I’m taking care of how crazy is that now here’s the question for all of us all of us have the mind the idea that we want to live longer and the chances are guys we are going to live longer we’re actually you know stats are showing that we’re living longer than we usually were before 10 years ago we’re living a lot longer so what do that mean for you and I the CH the the probability is higher that we’re probably gon to get sick before we die and when we get sick don’t you want to be prepared don’t you want to be taken care of because this money is paid out to you at at a paycheck it’s paid out to you so what does that mean that you can use that money for whatever you want to pay your mortgage to pay your car to be because can I ask you guys a question and by the way I want you to be transparent do your bills does your landlord does your car does AT&T does T-Mobile does Netflix does anybody any Bill you’re paying do they care whether you get sick or not do they say you know what Wilkins I know you got sick I’m so sorry let’s delay the payments it’s okay let’s roll over the payments on your car they don’t care they don’t care and they say give me my what money money and that’s where people get hurt so wouldn’t you want to have the peace of mind that hey if I die I’m taking care of if I get sick I’m taking care of and if I don’t die don’t get sick I also got a savings account that’s safe growth I can touch that money whenever I want whenever I need and it’s tax what tax free Mr Rays if I may you know a lot of us we don’t know about this there’s a death benefit we understand a lot of us think life insurance is supposed to be for when you die right so we understand if I die there’s a death benefit but YOLO you only live once we think we live we don’t know when our time is coming that’s right you know amazing you know the IL gives us a living benefit guys the what’s the importance of this living benefit while you’re alive you can have access to this death benefit money if you get sick terminal illness things like that let me put this in perspective a lot of us this this stuff is right in our face We’re Not educated about this we don’t know how this works but it’s happening right in our face right we don’t know how this works but we need to our community right now we’re waiting on Kendrick Lamar to respond to Drake We’re not thinking about money we’re thinking about how do you keep people poor keep them thinking about stuff that has nothing to do with anything do do with anything so the living benefit guys you know what’s happening around us and the African-American Community Mr Rays if if if somebody uh if our family members die or our mom and dad gets dies we end up you know we’re at church talking about please you we’re passing around the plate we’re uh we’re doing a washes Car Wash you know and now this new we’re begging people online right we’re begging people online we’re doing GoFundMe to beg people online right but it’s right in front of us in my community if my dad gets sick I’m gonna take care of my dad until he passes and the Latino Community if AB right if Granny gets sick they’re going to take care of Granny until she passes and other communities when their mom and dad gets sick where do they put them guys where do they put them they put them in a home right are super expensive super expensive so what pays for it the insurance that’s right insurance money pays for it guys it’s happening right in front of us we just don’t know how to access it insurance pays for their parents to go into uh the you know pays the agency the agency hires me and you to be the CNA take care of their parents so it’s happening right in front of us we just don’t know how to access it so Mr R thank you so much please continue because we we see it we just don’t know how to access it we know there’s a living benefit that’s right know we know we see it it happens right in our faces that’s right and by the way so if you had to pick between one two or three which would you pick and by and don’t be afraid by the by the example that you see there just so you guys know don’t be afraid because most people is that the example 250 no because guess what that just depends on how much coverage you want there’s thing is determine the cost of insurance doesn’t matter if you pick number one number two or number three it doesn’t matter it’s only three things number one is your age the older you are the more expensive it’s going to be whether you pick number one number two number three doesn’t matter number two second thing you ready how’s your health are you diabetic do you have high blood pressure which by the way the coolest thing about what a companies that the company that I’m work with that I work with called PHP agency we represent over 32 companies and guess what not every company accepts people with diabetes but because I represent 32 companies I have the option to take care of you if by the way because guess what some people don’t accept people with ittin because people s me Renee what if I want to get a policy what if I want to become a client but I don’t got a social you could still become a client because out of the 32 I represent three except people with it national life group Foresters and American National so maybe you’re worried about that that’s the coolest thing about what we offer second thing is your actual health and number three what determines the cost of insurance what’s the third thing that determines the cost of insurance ready how much coverage you want do you want a million 500,000 50,000 200,000 300,000 those are the three things determining factors they’re going to determine the cost of insurance and we can always find guys even number three I got clients that we can bring it down to find some a number three that’s very affordable within your budget 70 bucks a month 100 bucks a month doesn’t matter what you want to do it’s up to you because we can we can make it and design it to make sure you’re taking care of you got the pece of mind so with that being said That’s which one did you pick one two or three Mr can you tell them about about the cash value that’s my favorite part we and the cash value guys we talked about real estate number three remember I told you the safety the growth the taxfree number three is like buying real estate why what’s the one thing about people liking buying real estate is they’re hoping their money what grows what is that called when you buy real estate your money grows a long term it’s called building what Equity it’s building Equity but guess what in real estate you can’t touch that Equity right away unless you go refinance you go do something well guess what here you get to build equity but you can touch that Equity whenever you want whenever you need it penalty free and most importantly tax free so you can build money you can build equity but you can touch it so anyways that’s the coolest thing about that last benefit which is a cash value that we talked about earlier on the board and with that being said guys lastly guys to finish it I’m gonna give you some thoughts please ask some questions if you got questions now please is there any specific Karina thank you for the question is there any specific age to just start this just curious you ready number one and number two you got to be a minimum of 18 but the permanent policy you guys ready as long as you’re two weeks old you can start a policy even for a brand newborn 15 days old 15 days old so what a great question what a great question just so you know if any if there’s any other questions please post it on the chat we’re gonna be here okay go ahead Miss scina that’s a great question uh Mr Rays he said 15 days old now now let me tell you how this works I just I just recently got a policy for my sons I have twin boys are seven years old I got a million-dollar policies it’s like a hundred bucks the younger they are the cheaper it is for them that’s right one more thing I’m going to share you guys this is the vehicle that the rich have been using for years right you know you can borrow money Mr Ray just explained about us being able to borrow money from the permanent policy when I was going to college I was going to a community college I remember having to work like two jobs I’m paying for college I’m paying for apartment and and and I’m going to school full-time a two-year Community College that’s supposed to take me two years end up taking me like five six years because I’m working full-time now I’m looking at my counterparts who are not going not working you know they’re woohoo yeah spring break wo they’re living their best lives they driving around in BMW and I’m struggling I’m wondering how does this work so here’s how this works my counterpart his parents had a life insurance policy for him by the time he graduated high school they took some money out of the life insurance policy they bought him a nice car said I’m so proud of you son I’m so proud of you daughter you’re gonna I’ve already paid for your college the next four years of your life are going to be the mo most amazing time you’re going to meet friends that you’ll have forever you’re G to meet your husband in college you’re gonna meet your wife in college go do a go do a great job in college go enjoy that time with the people but only thing make sure you bring back that little piece of paper so we can put it on the wall for Grandma and Grandpa that’s right right that’s a speech that they get so they’re using they’re borrowing money from the from the life insurance to pay for their kids college their kids are enjoying that time so once again it’s happening right in front of us we just don’t know how to access it that’s right what a great fact and then lastly guys I’m Gonna Leave You with this guys by the way thank you for the questions is Health a factor it is a it is a factor but just know just because you have a health Factor doesn’t mean you’re automatically declined the coolest thing about the rep 32 companies that represent there’s some that are more flexible depending the health than others some people with diabetes you’re automatic decline with other companies you’re very flexible some people automatically decline people that are high blood pressure and some of them have a better rate so don’t feel like it’s better to ask rather rather than just assume that you’re gonna get rejected and we can always the coolest thing is guys we can always give you the process the process is so simple to apply for a policy and we can give you there the answers and all that stuff and answer any questions you may have so if any if you want to set up a one-on-one please click on the link right there you can click on the link we can set up a one-on-one and do this we could jump on a zoom call answer any questions show you illustration show you what it looks like and maybe we’ll answer what company might apply and what company’s better for you what if I already have a Time term life insurance policy great Mr badget are you ready by the way I want to say this congratulations for having life insurance because most people don’t so number one starting off Cong congratulations for having a life insurance policy the second thing is what if I could show you to have the same amount of coverage for Less payment would you be open to that or what if better what if I can show you I had of higher coverage for the same payment that you already have and curi ious because you know what’s so crazy the companies that we represent I’m going to give you this last little advice and all the people that played you stay to the video at this minute you’re gonna get an extra gem you guys ready all the terms that we represent through all the 32 companies that we offer you guys ready also include living benefits just so you know and not every company does that all they don’t do that farmers don’t do that okay I just so you guys know but the 32 companies that we represent do so we can always see if there’s another better option for you Mr B and kind of go from there but what a great question go ahead nothing if I may add guys we all have smartphones right whether it’s an Android or Apple I’m not here to argue but how often does your smartphone send you updates right so whatever policy you have I guarantee you there’s an updated policy there’s up there’s something better there’s something better right now in 2024 than the one you have plus just remember a lot of the term policies a lot of us get it from our job so we think we have a policy we have a group term the job gave you this little group term they take like what 20 bucks a month from your check mother you barely even notice it and you have a false sense of security oh I I I got a policy the same thing I got a health insurance policy I got no no no listen you no longer work for that job you no longer have it no more that’s right no longer have your income you no longer have your health insurance you know talk to some people you’ll see you lose that job you don’t own it so unless you personally have your own Term Policy then you don’t you have you have what’s called a group term that’s right from the job great great fact so that’s why I always recommend to my clients please have something outside of your job even though your job might be good because it’s very inexpensive but at least have something outside where you can control the features and everything else on the plan but great stuff and then lastly guys I’m going to leave you with this what if you stayed on this coin superday well I’m curious I would love to learn how to make money I love the insurance part I kind of learn that I want to set something up in place but what if I’m on this call and I want to learn how to make money in 2024 can I’m curious Renee I’m fired up by you I’m fired up by Wilkins I want to learn can I get in this industry what does it take to get on this industry you ready all you got to do is get a license through your state now every state varies from state to state what they’re going to charge you for that license but you ready what if I could show you how to learn everything I just taught you to become an Insider make a difference with us make an impact with us go make a change make change for your loved ones and maybe what if you turn into an entrepreneur what if you can learn how to make some income on the side what if I could teach you how to make an extra thousand part time 2024 an extra 2,000 5,000 right and keep up with inflation what if I could teach you how to do that would you be open to that but you ready every state is different but in state of Texas to give you an example what does it cost to get a license you guys ready you guys ready aing $32 to get a license through the state of Texas now every state is different and of course you get Advanced trading guys we get courses and all that stuff we’re going to be able to learn teach you and all that stuff but what if you’re on the coin Ser I would love to learn how to how to do this how what if I can what if I’m interested to learn make some extra income great let me show you I’m gonna teach you two ways so you ready let’s go back to the RO you guys remember the Roop right here on the screen that you can see out here look at underneath Ro where it says that little formula at the bottom with the red numbers at the end what does that mean this shows you how an agent gets paid part time so let’s just say the client decides to pick number two and you’re an agent with us you’re licensed through the state of Texas right or the state of California the state of New York wherever you’re at can you say I want to make some income you get license through your estate and you rep you happen to repres you you know client says I like number two great and let’s say that clients’s contributing $100 a month how do you get paid as an agent if the client is paying $100 a month guys which by the way doesn’t matter which one they pick all the companies pay us exactly the same clients contributing $100 a month these companies pay you a year in advance of whatever the client’s paying a month so $100 a month times 12 months Advance look at that formula okay equals $1,200 but they’re going to give you a bonus of 120% which equals 1,440 Renee why the bonus because there’s not enough agents and these companies are dying to recruit people like you they’re dying to have more agents they’re dying to reach more Americans so they’re trying to Sweet the pot for you by the way that’s why a lot of real estate agents and mortgage and on officers are looking at our industry okay so it brings it comes up to 1,440 and if you happen to be an agent at a 50% level contract with us which by the way our contracts go from 30% agent brand new so 152% but if you’re a 50% of a contract you make 50% of 1440 what is that an extra $720 of helping how many families one part time just one part time guys would anybody be okay with a mean extra 7 120 bucks part time anybody okay with that yes part time of helping one family would you be okay with that in 2024 what would you do that car payment house payment rent right safe for the future safe for vacation yeah that’s one and then what if I could be get two what if I could be get three four or five clients part-time would that help you a little bit bit right remotely helping clients wherever you’re at and then lastly guys the last the last one is a permanent policy andless it’s said the clients’s contributing 250 right now remember I told you earlier you can always adjust that for the client right to find something affordable but let’s just say the client saving 250 250 time 12 equal 3,000 they’re going to pay you a bonus of 125% which equals 3750 50% of 3750 you guys ready off for helping that one client you guys ready an extra $1,875 guys do you know what’s so crazy today in America and exra 1875 is paying your rent that’s paying car payment that’s paying Insurance that’s paying health that’s paying whatever you want maybe private school for your kids maybe thought about going to private school for your kids what’s stopping most people maybe finances maybe you thought going on a vacation maybe you never had a honeymoon maybe you never you know been went to actual live game maybe you never been to an actual World Cup maybe you never been to I don’t know wherever you want to do what would you do with extra 1800 bucks would that help you a little bit would that help you a little bit because I got people here that are single moms police officers engineers military folks working alongside us making some extra income parttime what I up you and R how do you learn we got a system to train you you guys ready we train you every Tuesday and every Saturday be able to get trained be able to learn about this stuff make a difference so you can make sure you’re taking the take care of the clients the right way because guys you can lose your license if you don’t know how to be able to do this the right way for your clients because we’re heavily regulated so you can lose your license so I’m gonna train you the proper way how be able to do this so we can train you secondly how do you get your license very simple guys all you got to do is study we’ll give you the study material pass the exam which on average most of our guys pass the exam you ready within a week I had an agent that passed it in two days of studying so you can do that too and be able to get your license and be able to get start making generating some income and then lastly how do you get your clients you ready guys we don’t believe in door knocking we don’t believe in Co calling we don’t believe in telemarketing the way we get our clients is a Karina I hope I do a good job by you I hope they’re good job by the people on this line that you trust us with your finances and I hope I do a really really good job by you and and treat you will give you great customer service we in the future maybe you think of me and referring more people to us that’s how we work guys word of mouth and social media the best way to generate clients no door knocking no co- calling none of that by the way here in door in Texas I don’t recommend doing this you know why because a lot of Us carry a lot of us Carri we believe in the Second Amendment so I don’t recommend door knocking right and I would never send my wife door knocking so that’s how we do this guys and by the way that’s pretty much it and then part-time income guys I’m just going to share this part-time income and like you help two clients a month and this is going off the last example you make an extra 2400 bucks a month if you help four clients a month it’s an extra 7,200 bucks a month and if you become a broker with us by the way I specialize and teach you people how to become a broker you right you ready that’s an extra $22,500 a month now this is more you doing it parttime guys I mean full-time at that point but I got people like a arelia you guys ready been licensed with us nine months and you guys ready in the last nine months she’s already crossed over $93,000 part time she used to be a real estate agent husband used to be in construction I got people like ax nany that own a gym here in Porto Texas started like getting license with us working along sat made $9,000 and you’re ready Mr w jock who’s on this call alongside his wife Jessica jock guys you’ve been licensed three months you ready by the way this month in the month of April and I’m gonna stop sharing just how can I stop sharing I’m gonna stop sharing uh can you stop sharing the presentation uh Wilkins because I want to be I want people to be able to see you and I in this conversation and maybe Dom can come up and and be able to give a couple final words but you ready how much have you guys you and your wife man we met an accident right over six months ago you decided to say man I like this crazy guy by the way he became a client first before he became an agent he became one of my clients first then three months later he came around and decided to become an agent with us and now it’s been L since three months you ready how much have you already made for the month of April please enlighten us how much do this pay you parttime this month alone I made close to 18,000 guys how much 1,800 18, 18,000 no ,800 that’s what you mean right like or $180 put C A couple more zeros $18,000 $8,000 now you know what’s so crazy guys $188,000 that’s what Mo and now here’s the crazy part guys I will tell you this Wilkins Works Wilkins talks to people W Wilkins loves to give value Wilkins is out there so just so you guys know it’s not like oh my God every single one of my agents they get started to make 18,000 no guys he puts in war but let me tell you about Wilkins he came on here he trusted he had Faith he said Renee whatever you I’m going to be with you like white on rice I’m going to learn from you I’m going to be deex to you I’m going to be attached to you and that’s the reason why he’s getting the results right and he’s putting in work so I want you guys to know it’s not just that oh my God you’re G to come in here are you guys ready I got single moms guys making extra thousand part time I got people that make an extra 2,000 an extra 3,000 4,000 5,000 but can you make 18,000 yeah you can he’s a perfect example that being here licensed you ready not 30 years not six years not five years not one year mon even six months three months can you do that yes now you ready when I got started six years ago guys I didn’t make 18,000 in three months okay by by way it took me my third year in business where I finally cross an $18,000 in a month how crazy is that and now we got guys in my organization alone my wife and I and tmbb organization it’s called The Master Builders right we believe in God we believe in values we believe in principles we believe in in bu we call the Master Builders why because we want to build marriages we want to build families we want to build you know character we want to build you know a you know what’s it called I want people to be a build their self-esteem I want to be the Builder I’m not just Financial I want to be able to build and make a difference and make an impact because the financial guys we we don’t take that with us only thing you and I live behind is the impact we make on others that’s why we called it the Master Builders but you guys ready guys in our organization in the month of April we had four different people cross over $20,000 in a month with this license so can you do that 100% and we’re looking hopefully that you decide to join our Crusade be able to go out there and educate families because you just saw this video maybe you got value and I hope you do something that I hope you do something whether whether it’s put something in place whether it’s maybe decide to get a license but I hope you do something because I’m going to leave you with these thoughts guys entrepreneurship is something that changed my life and entrepreneur is not for everybody I understand that but entrepreneurship is so cool that you can now do it part-time see back in the days you couldn’t do part entrepreneurship part time either you had a job or you did entrepreneurship you did your business and it’s very risky right especially when you’re a brand new entrepreneur you never ran a business very risk and is very scary the coolest thing about our business you don’t have to put a lot of capital in right to get a license by the way all in all you ready to get a license in our industry is less than 350 bucks just so you guys know all in all depending on the state that can vary just so you guys know let me throw that out there but around 350 bucks how crazy is that and you get a license and systems and all the things you need to learn but with that being said guys I hope you do that I you’re talking to a guy who’s a Mexican from you know conro Texas never thought I’d be where I’m at today from sharing the stage with Kobe Bryant to you know starting this business self-esteem I didn’t know what to do I didn’t know how to talk I was scared I was self I didn’t know what to do I never r a business so now I have over six nations office Nationwide to have someone like Wilkins be in our organization be able to change their life to to now be able to be my son Brant Hawaii you know Paris Monaco we’re about to go to Bora Bora right we’ve been all over the world all over the world about to go to Canada all because I decided to stay step out of my comfort zone sad reality though for most people just like we talked about finances what keeps people with finances the way they are is a mindset and what stops you from opening a business eventually it’s also a what a mindset correct is a mindset and I hope whether when it comes to your finances or decided to get a license I hope you decide to say you know what I’m G take a chance on me because the best investment you’re ever going to make and the best investment I’ve ever made guys it’s never been a stock it’s never been in iul it’s never been anything you know what the best return of investment I’ve ever gotten ever in anything I’ve ever thought not gold not silver not watches not cars do you know what it is isn’t this guy isn’t this guy see Dom there’s a story you ready Dom I’m gonna give you guys this last piece of thought there’s a story and I want you to guys to answer here on the on the chat this’s a story of a gold of a goose that laid golden eggs and it was a dad talking to his son D and he told his son he grew he drew out a goose and three golden eggs and he told his 10-year-old son son which one would you invest in would you buy the goose or would you buy the eggs what do you think people what do you think his son answered I’m curious what do you think he answered did he invest in the goose or the eggs what do y’all think the goose I would say the goose some people people say the goose people say the eggs some people say the eggs but you ready the son said the goose and he said the dad replied of course son of course on paper when I draw it out to you like this it makes sense right why cuz the goose is going to keep laying what golden eggs but you ready in real life you what people don’t understand you ready son here’s a story that he told his 10 old son oh man in real life son people invest in the eggs what are the eggs real estate what are the eggs vacation what are the eggs Rolexes what are the eggs cars what are the eggs vacation you know what the number one thing is you should invest in the Golden Goose in real life is yourself H you’re the Golden Goose you’re the one that delays more golden nextg to your family don’t ever stop investing in you so that being said I hope you invest in you I hope you do and invest in that goose that keeps laying golden necks for your family and generations to come because kids don’t lie like but Philly D thank you so much for having us no problem no problem definitely we gonna do this like probably every Monday we we we’ll talk about it what day Mr thank much for taking the time I know you’re super busy so thank you for taking the time thank you to speak with us in our community this is something guys I started doing this I got my license about three three months ago my license literally says January 29th um so if I was at a job I’d still be within my 90-day probation period uh last month alone I made uh $18,000 doing this um we wanna what we want to do let me see if I can pull it up on the phone what we want to do is we want to encourage our community right yeah yeah look at this this month so we want to encourage our community one everything that we just talked about tonight I’m sure you guys have never seen that like I said they pay people to show you how where people put our money the banks the real estate and show us why the majority of our communities are still at the bottom because we’re putting in the wrong places we don’t know right if you don’t know then you won’t know right so Mr Ray taking the time to show us that that’s something people fa five $6,000 an hour to sit down with the financial service person to explain that so that’s one go ahead Philly I know I know you got to go go ahead Philly all right you guys take care so guys thank you guys so much um email get the email guys I’m gonna put it in the chat one more time go ahead and hit the email if you guys have any questions if you guys want to get a policy if you guys want to learn more if you guys want to learn how to become an agent how you can make some more money Mr Philly Dom thank you so much for uh the people and uh give him some some value thank you Mr so much guys have a blessed one all right God bless you guys God bless you bye Philly