Budgeting, Borrowing & Ballin! The Money Guide No One Taught You

Summary

Podcast Summary: Law of Attraction SECRETS – "Budgeting, Borrowing & Ballin! The Money Guide No One Taught You"

Release Date: March 28, 2025
Host: Natasha Graziano
Guest: Will Roundtree, Wealth Mogul and Financial Literacy Expert

---

Introduction

In this compelling episode of the Law of Attraction SECRETS podcast, host Natasha Graziano welcomes Will Roundtree, a renowned wealth mogul and financial literacy expert who transformed his life from homelessness to multimillionaire status. The conversation delves deep into practical financial strategies, the power of credit, and cultivating a wealth mindset, offering listeners invaluable insights to manifest financial abundance.

Will Roundtree’s Inspiring Journey

Will Roundtree shares his remarkable story of overcoming homelessness by leveraging credit. Moving from Milwaukee to Las Vegas in 2005 with only $500, Will recognized the critical importance of credit in acquiring assets like cars and homes.

Will Roundtree [00:35]: "I need that introduction everywhere I go."

His dedication led him to educate himself extensively about credit, utilizing resources like the library to build his financial knowledge base without the influence of social media distractions.

The Power of Credit in Building Wealth

Will emphasizes that credit is a foundational tool for wealth creation. By maintaining excellent credit, he was able to purchase luxury vehicles without any down payment, a feat many find unattainable.

Will Roundtree [01:43]: "Because when you have great credit, the banks don't require... you just have to know what you're walking into."

He explains the mechanics behind auto loans, illustrating how creditworthiness allows for higher loan approvals and negates the need for substantial down payments, enabling him to retain his liquid assets for further investments.

Strategies for Leveraging Credit

Will details his method of obtaining financing through credit unions and using the "out the door" price to secure loans without dealership markups. This approach ensures he can drive off with his desired vehicle without additional costs imposed by dealerships.

Will Roundtree [03:02]: "Here's how it works... the bank will cut me the check for 200. I take the check to the dealership, I drive off."

He further explores using business lines of credit to invest in real estate and other ventures, highlighting how leveraging borrowed money can multiply wealth when managed correctly.

Discipline and Mindset in Financial Success

Discipline is a recurring theme in Will’s philosophy. He asserts that financial success demands strict adherence to paying debts and managing expenditures wisely.

Will Roundtree [13:05]: "You have to be disciplined. I mean, I've never met an undisciplined millionaire..."

Natasha echoes this sentiment, stressing the importance of surrounding oneself with like-minded, ambitious individuals to foster growth and avoid stagnation.

Misconceptions About Money

The podcast addresses common misconceptions, particularly the notion that money is evil. Will argues that it's the psychological framing of money that often leads to financial slavery.

Will Roundtree [14:19]: "They keep people as financial slaves... it's all a psychological game."

He dismantles the belief that avoiding debt is the key to financial health, rather advocating for strategic borrowing as a means to amplify wealth.

Investing for Passive Income

Will advocates for real estate as a prime investment vehicle due to its universal demand and potential for passive income. He contrasts ownership with merely occupying a property, emphasizing the importance of investments that generate returns.

Will Roundtree [20:10]: "My number one strategy has always been real estate because everyone needs somewhere to live."

He also critiques the traditional approach to saving money, highlighting that investing is more beneficial as it allows money to grow rather than remain stagnant in bank accounts.

The Law of Attraction and Wealth Mindset

Natasha and Will explore the intersection of the Law of Attraction and financial success. They discuss how a positive mindset and affirmations can rewire one’s financial destiny.

Natasha Graziano [35:24]: "Affirmations... I can make money. Money loves me. Money is abundantly attracted to me."

Will reinforces the necessity of self-belief and mental resilience in overcoming financial obstacles, asserting that personal limitations are often the primary barriers to wealth.

Practical Tips for Financial Success

Will Roundtree’s Top Three Tips:

1. Change Your Thinking: Cultivate a strong, positive mindset to withstand societal pressures and conventional advice that may impede financial growth.

   Will Roundtree [14:59]: "You have to change the way you think... mentally strong."

2. Understand Credit: Gain a comprehensive understanding of credit mechanics to leverage it effectively for investments and wealth accumulation.

   Will Roundtree [15:04]: "You have to understand how credit works. There is no way around that."

3. Comprehend the Cost of Money: Learn how to assess the cost of borrowing and ensure that investments can service their own debt, thereby maintaining financial stability.

   Will Roundtree [15:58]: "If you borrow money that's too expensive, most businesses either fail or go bankrupt."

Natasha Graziano’s Top Three Tips:

1. Make Money Work for You: Align with financial strategies and mentors that help your money generate more wealth.

   Natasha Graziano [35:58]: "Make your money work for you. Get yourself a coach... make your money make money."

2. Rewrite Your Financial Story: Use scripting techniques to envision and affirm your financial success, embedding it into your subconscious.

   Natasha Graziano [36:02]: "Write it down in the past tense... I was able to build a school... it felt so good."

3. Utilize Affirmations: Regularly reprogram your mindset with positive affirmations to foster a wealthy mentality.

   Natasha Graziano [36:20]: "Affirmations... we're going to rewire that mindset and you will become a wealthy mindset person."

Conclusion and Takeaways

The episode concludes with a powerful reminder that financial transformation is a long-term journey requiring discipline, strategic leveraging of credit, and a positive wealth-oriented mindset. Will Roundtree and Natasha Graziano encourage listeners to invest in their financial education and mindset to break free from conventional limitations and achieve true abundance.

Will Roundtree [39:14]: "This is a 20-year journey... you have to know the right people and the correct strategies."

Listeners are urged to take actionable steps towards financial literacy, leveraging the insights shared to manifest their wealth goals effectively.

---

Key Takeaways:

• Leverage Credit Strategically: Utilize excellent credit to obtain loans without heavy down payments, allowing for asset acquisition and investment.
• Discipline is Crucial: Consistently manage debts and expenditures to maintain financial health and enable wealth growth.
• Invest in Passive Income Streams: Prioritize investments like real estate that generate ongoing income and appreciate over time.
• Cultivate a Wealth Mindset: Employ positive affirmations and mindset shifts to align with financial success and the Law of Attraction principles.
• Continuous Financial Education: Stay informed about financial strategies and surround yourself with knowledgeable, ambitious individuals to foster growth.

Listeners are encouraged to connect with Will Roundtree and Natasha Graziano through their respective platforms to access additional resources and start their journey towards financial abundance.

Notable Quotes:

• Will Roundtree [01:43]: "I own the word. I own the term credit is king."
• Will Roundtree [14:19]: "They keep people as financial slaves... it's all a psychological game."
• Natasha Graziano [35:24]: "Affirmations... I can make money. Money loves me. Money is abundantly attracted to me."

---

Stay tuned for more transformative discussions every Monday, Thursday, and Saturday at 8:00 A.M. EST on the Law of Attraction SECRETS podcast with Natasha Graziano.

Transcript

[A]

Hello, everyone, and welcome back to the Law of Attraction Secrets podcast. I'm here in the studio today with someone I bought in personally for you. This dude went from homeless to multi millionaire. He was the first black educator to go viral for credit online. This guy is a wealth mogul and financial literacy expert. Oh, my God, I'm so excited. Today you're gonna learn how to make your money work for you or stay broke. Welcome to the show. Will Roundtree. How you doing?

[B]

Look, I need to take you on a roll with me. I need that introduction. Everywhere I go.

[A]

That's what they say, you know? Yeah, they literally, they're like, oh, my God, can you come and open for me? Like, that was fucking fire.

[B]

Absolutely.

[A]

That's just who I am. No, absolutely, you know, for real. But wait, how did you get into this? Like, you were homeless at one point.

[B]

Yeah, so I got into it because I was broke, you know, and that's really how it all started. And so moved from Milwaukee, Wisconsin to Las Vegas, Nevada in 2005. And I quickly found out how important credit was. I couldn't buy a car, couldn't buy a house, and I'm 26 years old and I didn't have anything. And so before I moved to Vegas, I remember I had a mentor who said, eventually credit will become the new dollar. Didn't know what he meant by that. And then eventually I started to learn everything I needed to learn about credit. This was before social media, before MySpace, before all of the social media things. So I will literally go to the library and just read a bunch of books about credit. And so then fast forward a few years later, I bought my first car. No Money down. Blew my mind. Because people think you have to put money down on a car, right? I mean, I've bought Range Rovers, G Wagons. I have never put money down on a car.

[A]

You did. Leasing?

[B]

No, I bought them.

[A]

Really?

[B]

Yeah. No money down.

[A]

But how?

[B]

Because when you have great credit, the banks don't require. Well, here's how it works. So whenever you go into the bank to apply for, let's just use an auto loan, the bank will approve you for whatever the max is based upon what they feel your purchasing power is. So if you're going to go buy a $200,000 vehicle, but the bank is only going to approve you for 180, you got to put down $20,000. A lot of the times people don't qualify because they don't have enough assets that they've owned, so the bank doesn't trust them enough. So that's why typically you have to put money down or when you have bad credit, the bank don't trust you anyway. So now there's like, you know what this car is worth? 50,000. We're only going to give you 45. You got to come up with the other 5,000. So. Or sometimes a dealership is making the money, they'll approve you for 50, but the dealership is like, you know What? I need $5,000. Run that money and then they get the five grand. So you just got to know what you're walking into. And that's why I always go and get my own financing. I cut them the check and then I drive off the lot with whatever I want to drive.

[A]

That is fucking wild. I have never thought about it. So you like go deal with your own shit and walk in with assets. Like, here's, I've already got a loan and here's the sitch. And then you have to just connect them.

[B]

No. So essentially. So if I, let's say I'm going to matter of fact, I just bought another vehicle two months ago. So I went to my credit union, I said, hey, I'm looking to buy another vehicle. Went to the dealership, I found the vehicle I want. Then what you want to do is you want to get the out the door price, meaning after taxes, title fees, everything.

[A]

So let's say it was 200,000, right?

[B]

So it's 200,000. That's after taxes, everything. Then I'm going to go back to my credit union, say, hey, here's the purchase order, here's the VIN number. Because they're going to look at the value that also prevents you from getting a vehicle that is overpriced because the bank won't pay for a vehicle that's underwater or worth less than what the dealership is trying to sell it for. As long as those things match, the bank will cut me the check for 200. I take the check to the dealership, I drive off.

[A]

Whoa. Could you use that check for something else?

[B]

It's ways you can do that. But it's going to, it's going to convert to what's called a personal. Personal loan, right? Yeah. But then the interest rate may be high, so.

[A]

But can you do this for houses?

[B]

No, you can't do this for houses.

[A]

But why? Because 200,000 would be like the deposit.

[B]

Well, how to do that? I use business lines of credit to buy houses. So I show people. See, this is the thing.

[A]

We need to sit down.

[B]

This is the thing.

[A]

I'm like, I bought one in cash. And now I'm like, dang, I gotta do it. I want to do it another way.

[B]

Never buy a house in cash. Fuck never. See, here's the thing. I tell people I'm the credit king. I actually coined the term. I own the trademark credit is king. I've been doing this a very long time. And so what I do is I teach people how to leverage credit the right way. I would never pay cash for everything, because here's why. Let's say I go buy my G wagon, $200,000 cash. I just tied up $200,000. That will never make me any money. I'm going to go use the bank money, pay a percentage against the 200,000, and then I'll take my 200,000 cash, put it in the market so it can make me money to pay the G wagon.

[A]

Whoa. How do you put it in the market?

[B]

Buying real estate, investing in companies which.

[A]

You use the 200,000 they gave you for the car, on the car, if you.

[B]

If that's the route you want to go.

[A]

Right.

[B]

But essentially what I'm saying is, is I'm going to take the bank's money, which is the credit, to go buy real estate, go invest in businesses, go make my money. See, credit was put in position for us to make money from it, not for us to become consumers. But then I use the money for my businesses in my real estate, to buy the G wagons, to buy my houses, to buy the. The clothes, the watches. I don't use my own personal money.

[A]

Good.

[B]

Yeah.

[A]

So you essentially get a loan from the bank for everything that you buy.

[B]

Absolutely.

[A]

And then you pay the bank back monthly.

[B]

Yeah. Because the money is cheaper. What I do is I teach people how to get cheap money. So, for example, imagine if you owned a real estate portfolio that was worth a million dollars.

[A]

Okay.

[B]

Okay. In California, that's very easy to do. That's what. That's a garage. Okay. And so. And then eventually you can borrow against that property tax free. That's another reason why most investors like to borrow money. We don't pay taxes on debt. So I can go borrow. So let's say I want to borrow a half a million dollars from that million dollars. A half a million dollars over 30 years at 9% interest is only going to cost me $4,500. So imagine what you can do with a half a million dollars in the debt servicing. Meaning how much is going to cost you is only about 4,500. Most people's personal expenses isn't even $4,700 and they have far less than a half a million dollars in debt. So it's just about understanding the cost of money and how money works, which is 97% of people have no idea.

[A]

This is fucking mental. This is how you went viral online.

[B]

This is how it went viral.

[A]

And you are the credit king. Like you teach people.

[B]

I own the word. I own the term credit is king.

[A]

I love it. But you literally teach people how to do this and change their credit. Have you changed loads of people's lives with it? Give me an example of someone that you've helped.

[B]

Oh man. I mean, how long do we have?

[A]

Give me, give me one. Who like she had no money or.

[B]

You had a really good one. Okay. So I actually had a good friend of mine who, who was started out as a client, well in 20. So he served prison time for 16 years.

[A]

Okay.

[B]

Before he got out of jail. Because again, I knew when we grew up together. I sent him my book Credit is King, which is top selling book, sold over 50,000 copies.

[A]

Love it. Links below. We love books that go viral and they're bestsellers. We love it. And he's done a fucking TED talk talk as well. Tech talk.

[B]

There you go.

[A]

Cleaning King. Absolutely.

[B]

Let's go. So, so yeah, so I sent him my book Credit is King two years before he got out of prison. Once he got out of prison, the thing about people in prison, they usually, their credit is usually clean, especially if they spent a considerable amount of time in prison. So when he got out, there was nothing on his credit. So the book taught him how to build his credit up. He had a 720 credit score within like two months. And from that point he went out, became an entrepreneur because he couldn't get a job. He was a three time felon and now he has a six figure business in the property management space. So because I also teach people how to become full time CEOs by leveraging credit because I also own the trademark full time CEO. So I teach people how to become the king of credit by leveraging credit, then becoming an entrepreneur or as I call it, full time CEO, to go out there and really create the life that at one point we used to dream about. Because think about this. People used to at one point put their dream job or the dream life on, on their wall with pictures. But then they grow up and live the life that they're miserable with. I, I got tired of living like that.

[A]

I got tired of living like that too. I wanted to go out there and do something great.

[B]

Seriously.

[A]

So wait, you were homeless? How did you go from homeless to multi millionaire? Before we go there, we're just going to go to a quick ad break and be right back. If you aren't yet a member of our Law of Attraction app, the app that features everything about scripting for love, money, happiness, how to accelerate your career, how to accelerate your name and brand online. Something your girl's very good at coaching on and doing herself on. Results based baby. If you want to learn how to manifest love, how you can attract the partner of your dreams into your life. If you want to magnify the money coming into your life, you want to become magnetic. You want to be an attraction force to be reckoned with. You want to put millions of dollars into your bank account through manifesting. You want to learn the secrets behind scripting your dream life. Get into our app. The membership is here. All you got to do is join. And guess what? You also get access to our coaching calls every week with yours truly. Every Thursday at 10am Pacific, which is 1pm Eastern, which is I think 6pm UK time. Wherever you are in the world, it is for you. We coach every week and I personally coach you on scripting for love, scripting for happiness, scripting for health, scripting for money, scripting for career. I show you how to manifest all of the things you want into your life and all you've got to do is attend those live coaching calls every week. When you get into that membership, you get access to all of our courses, all of our programs, the meditations, the powerful, subconscious reprogramming meditations that will help you to retrain your mind, reframe your mindset into believing that you are worthy of money, pouring in abundantly into believing that your soulmate is just around the corner or strengthening your current relationship. So wherever you are in life, if you feel like you want to better your life, do you? Do you want to better your life? I'm sure you do. You want to better your bank account, you want to better your health. There is no one I've ever met that said, no, I'm good where I am. Never. Somebody always wants to be happy. Do you want to be happy? Do you want to be wealthier? Do you want to be more in love? Do you want to have better people being attracted to you? And I'm just not just talking about love. I'm talking about when you show up somewhere. Do you want to be magnetic when you walk into that room? If you do, if the answer is yes to any of Those questions or you want to learn how to grow your name online. You want to learn how to get more eyeballs on your work. Otherwise, what is the point in having that amazing business if nobody's hearing about it? The app has all the answers for you. Join our membership now, get inside of it and I'll see you there. So wait, you were homeless? So whoa, that's wild. How did you build from nothing? Like literally give me the exact step formula that you did from homeless. Because maybe somebody's out there today and they don't have no money right now and they're like, dang, what do I do to get out of this mess?

[B]

Yeah, you want to know now?

[A]

Right now.

[B]

Okay, so what I did, so I borrowed 500 bucks when I moved to Vegas, got out to Vegas. Obviously 500 bucks doesn't last, didn't know anybody. And really what changed it was, is I started to learn about credit. Once I started to learn about credit, obviously I'm, you know, was bouncing around different odd jobs and different things of that nature. And so what I did was, is my first amount of money that I borrowed was about $47,000. And I just made some good investments from there. And what I started to learn is that the bank will give you as much money as you want. You just have to be able to pay it back. And I just kept making investments and investments and you know, I built a seven figure real estate portfolio. I took the credit to invest in my personal business, whether it's for marketing, ads, hiring automation software, cost, because as long as you know how much the debt is going to cost you. So like let's say if I borrow 50,000, that may cost me $750 a month. All I got to do is make at least $750 a month. So I just kept scaling up every time I was scale, I mean every time I would make a sale or every time I would grow.

[A]

This is fucking clever. So essentially you're getting a business loan or a personal loan for shit up front instead of either using another company for it and paying through the ass or using the bank's money.

[B]

Yeah.

[A]

And then paying monthly. But what about people don't want to pay monthly on shit? Like, I don't mind high monthly expenses. I'm used to that. Right.

[B]

You have to be disciplined. I mean, I've never met an undisciplined millionaire unless they want it through sports or the lottery. So to, to, to, for somebody to actually be successful financially, you have to be disciplined. And I think that's the misconception that people don't. They don't understand. You will never be rich if you're not disciplined.

[A]

What does discipline mean to you?

[B]

Discipline means one, paying your damn bills on time. That's the first thing, too. You have to be okay with leveraging somebody else's money. You know, when you think about, like this, Uber is. Is Uber. And they own no cars. They use somebody else's cars.

[A]

Genius.

[B]

Airbnb is Airbnb. And they use other people's homes. I. I became a millionaire by using somebody else's money. And people do it all the time. I'm not the first to do it. I'm just showing people how to do it. And I articulated in a way to. To help them make it make sense. Yeah.

[A]

This is so powerful. I am getting so much out of this. Okay, so financial literacy is a big issue in the world. I think they should teach it in schools.

[B]

I do, too. But they don't, because they keep people as financial slaves.

[A]

Right to the system.

[B]

Absolutely. Because think about it. Because here. Here's how really the whole debt system got started. In 1913, the Federal Reserve got created. The Federal Reserve said, hey, we're going to start using debt to build America. And guess who's going to pay it back?

[A]

Y'all.

[B]

Y'all. The taxpayers, essentially. So essentially, all I'm doing is reverse engineering what the politicians are currently doing.

[A]

Okay? So if somebody's coming out of school right now, so somebody's listening to this or they're just starting out or whatever, what is the top three things that an individual in today's society needs to do to make sure that money works for them?

[B]

Number one is you have to change the way you think. And that's why I love what you do, because you help people change their thought process of becoming mentally strong. Because this journey is not easy. And I say it's not easy. Not because it's physically laboring tough. It's. It's mentally tough because you're going against everything that's conventionally wrong. Everybody's going to tell you, go get a job. Go do this, Go do. That's what I was told my entire life. So first, you have to make sure that mentally that you're strong to be able to go up against everybody who's going to tell you what you're doing sucks. Number two, you have to understand how credit works. There is no way around that. And when you think about, no matter what politically affiliation you want to claim, red or blue, both of them are playing the same game, the game that I'm teaching people, this is what the politicians are doing. And then they're going out there telling the public, hey, I need you to go out there, work this job, do this, do that, so you can pay our bills. So you have to understand credit. And then I'm going to say number three, you got to understand money, how money works and the cost of money. If you do not understand the cost of money, and this is why people go out there and, and borrow money that's too expensive. And when you borrow money, too expensive. This is why most businesses either fail or when they do get open and go and borrow money, they usually have to go bankrupt because they borrow money that's too expensive. I teach people how to find pockets and borrowing the money at the cheapest cost. But then understanding how the return on investment for whatever their product or service is so that it can debt service itself.

[A]

What is debt service?

[B]

Debt servicing means how much the money is going to cost you. And that goes back to when you ask me how did I become a millionaire? I basically just use basic math. You know, I tell people it's as simple as one plus one being two, meaning if I go out there and I borrow X amount of dollars and it's going to cost me $2,000, I just have to find a product that I put out there where if I sell one client, it services the debt. Or when I buy real estate, if I know my mortgage for this investment property is fifteen hundred dollars, I just have to make sure that the rent is sixteen hundred dollars or more. And so that way the biggest obstacle has been eliminated. And that's normally what money. Once you eliminate that obstacle, I could figure everything else out.

[A]

Money makes the world go around. I know people want to say money is evil. Money is the root of all evilness. Bullfucking shit.

[B]

It's only evil money.

[A]

Money is not evil. Like think about it, there's charities without money. I couldn't have built the school that I just built in Guatemala for 600 children.

[B]

There you go.

[A]

Without money, how are we going to provide for all the kids that are in orphanages and all the animals that need shelters? Definitely money. We need money to make the world go round. So somebody wants to sit and say, I got to be humble, I'm holier than thou bullshit. Because the Bible actually says you should have it all.

[B]

Well, here's why I think people say that money is the root of all evil. Because it's the terminology used to keep people as financial slaves. So they tell you no money is evil. But hey, give us, give us your money.

[A]

I will just be wealthy.

[B]

We'll be wealthy.

[A]

Exactly.

[B]

So it's all a psychological game. And I tell people because there's a lot of people who don't like credit, but then I say no, you're saying that credit is bad. No, you're just bad financially. You're bad with your paycheck. You could win the lottery and be broke tomorrow. That wasn't credit.

[A]

You know, that happens every day. Percentage of people who win the lottery and go broke is higher than those who actually do something great with it and retain it.

[B]

I actually had a client who became my client because he won a, a million dollar scratch off in 2016 and he went broke in less than a year.

[A]

In less than a year.

[B]

In less than a year.

[A]

Cuz he just spunked it all on.

[B]

Everything except buying things that make him.

[A]

Money because they'd never have money. Can I say this is a big problem with. A lot of the clients that I look after are like rappers, singers, artists, actors. Actors, not so much the problem, athletes. Okay? And I look after these clients who are phenomenal beings and have so much success, but so many of them spunk their money away and spend it and don't save it. And then when their career finishes or suddenly they get an injury, or suddenly they don't get their next record deal, or they, they finished in whatever they were doing, they don't realize that it's not going to go on forever. They have literally nothing to fall back on.

[B]

Well, here's the thing. I'm going to take it a step further. It's not even about saving money. And here's why. When you save your money, it costs you money to save. Think about it. The bank charges you a fee to hold your money, then they're only going to insure up to a certain dollar amount money is meant to go make you more money. And so that's what I tell my clients. I'm saying, hey, okay, you have a quarter of a million. Don't set it in the bank, let's go put it in the market. Let's go buy something that's going to make you more money. Because the reason these rappers, these athletes and individuals go broke, because they think the money is going to last forever. And money isn't meant to last forever. It's meant to be reproduced forever. And that's the biggest thing that most people and why people will always go broke. They don't let their money reproduce itself.

[A]

So where should they put it to reproduce itself.

[B]

My number one strategy has always been real estate. And here's why. Let me ask you a question. How many people need somewhere to live?

[A]

Everyone.

[B]

So why wouldn't I play the game that everybody has to participate in?

[A]

Wow, you would.

[B]

So that's why I play real estate.

[A]

Houses. And then I use like Monopoly, putting houses around the board.

[B]

No, that's really. So the game of Monopoly was the game that was supposed to teach us, but it didn't because we only looked at it as a game. Think about this. When you go around the game board of Monopoly, you only have what, a couple options. You can either buy real estate and, or buy the utilities. If you don't buy those, guess what your other options are? Pay taxes, pay somebody else real estate, rent, or go to jail. That's like real life. Monopoly is real life.

[A]

No, it is. That actually could educate a lot of.

[B]

People if they knew how to play the right way.

[A]

We should play Monopoly the next time.

[B]

That should be the next. That should be the next playing.

[A]

I fucking love it. Just playing it and talking about financial. You should do a whole thing on that. Oh my God, we are so going to do a whole thing that play Monopoly and have. Just film it. Talking about financial literacy as you go around.

[B]

Teach them and teach them.

[A]

Why? Because I'd be visually watched. Like I'm a visual learner definitely. Like I need to learn through things. Like I get it, you know, like people always say to me, like when I, when I have houses, like I live in a mansion, right? When I have my homes, they're like. At one point I was renting one and they were like, you, you pay what a month? And I was like 45, 000, right? And they were like, the is wrong with you? And I was like. At first I was like, oh, they're a hater. And I was like, no, actually they're not. They're like, why would you be paying that when you could invest in buying your own one? You're never going to see back that.

[B]

Well, there's, there's two, there's two concepts to that point, okay? Now owning your house is not the always the best investment.

[A]

Why?

[B]

It's a great investment, but it's not always the best. Because how much money does the house you live in make you?

[A]

None if I don't rent it out.

[B]

That point. So usually if that is the person's only investment, it doesn't make them any money. It may not be their best investment. Now what it does do is that because that's where their wealth is at. The house is always going to appreciate in equity. It will put them in a position to be able to borrow against it eventually. So then you take the money from the house that you own and you go buy more real estate. So it depends. So this is why you have to have a wealth strategist who's going to help you to understand what the long term game is. And unfortunately, so many people just go buy real estate and have no idea what they're doing. And this is why I exist. This is exactly why I do what I do. Because I help people strategize their wealth for the long term game.

[A]

So athletes, artists, people like that, they.

[B]

Need to hit me up.

[A]

Hit you up? They need to invest in real estate too.

[B]

Well, they need somebody to show.

[A]

Yeah.

[B]

Because think of if you ask 10 athletes about real estate, most of them are gonna say, I don't know. Because there's so many horror stories, you.

[A]

Know, and whore stories.

[B]

Horror and hoe stories.

[A]

Yeah. Literally, the whore that rinsed you dry. Whereas this bitch right here ain't a bitch, she's a woman. And I make people's assets appreciate. Other bitches come in and they make your assets depreciate. They take from you, right? They spunk your money on bags and shoes and trips and they make you no money. Make you no money. You go way less off. Definitely with me. I 100x any man I'm with.

[B]

There you go.

[A]

He's gonna 100x every single time.

[B]

Definitely.

[A]

I'm just born for it.

[B]

Hey, hey. No talk your.

[A]

Yeah, I do, I do. When I meet someone like, baby, what are we gonna do together? They're like, whoa. I'm like, no, no, for real. I don't mean what are we gonna do? Like, I'm busy. I want to be there for you and take care of you, but I want to make your money grow. So I look at the business, I look at my business like, what can we do together? You know, like literally even just meeting you as a friend, right? I'm like, what can we do together to help you grow? Like, I love that. I. I take care of all my friends, my girls, my guy friends. Like, I want to see people grow.

[B]

Well, that's how it should be. But here's why so many people lose in life. They're attracted to helping people who are unable. And I think because people think helping the less fortunate is what's going to get them to that next level. People think reciprocity is, oh, I help the less fortunate. And automatically I'll be blessed. No, you can't be blessed by somebody who can't bless you back. And that's why I want to focus on working with the able. Meaning you have resources, I have resources. We should be collaborating because we can help each other. But me going to help someone who doesn't have access to resources? No, they need to figure out how to get in the room first, put themselves in a position so they can bless themselves. And then now we have the triangle offense of resources. And most people don't think that way.

[A]

No, they don't. Let's talk about mindset, because that's where we're going.

[B]

Absolutely.

[A]

Law of Attraction Secrets is about mindset. It's all about the way you think. It's about you being able to control your outer reality with your inner reality. Like attracts, like. Positivity attracts positivity. Negativity attracts negativity. It's the law. Like gravity. It's a law of the universe. Whether people believe it or not, it is happening.

[B]

No, I agree.

[A]

How have you applied the law of attraction in your life and with wealth mindset? Because this is a big part of money management is your mindset. Because you can give somebody a million dollars, but if they have a scarcity mindset, they will walk away with zero after a year.

[B]

Absolutely. I don't, I don't fuck with losers.

[A]

Fucking love that. Neither do I. I don't fuck with losers. If you come to me and you're broke, it is not worth my time.

[B]

I can't deal with people who have a losing mentality.

[A]

I mean, in relations, you gotta, you gotta be doing something. I don't even give a. You don't even have to be earning multiple seven figures like me, multiple eight. You can be, you can be, just be like, you can just be ambitious and show me that you have something going on. And then I know I can multiply your stuff.

[B]

Just be active. And so I don't, I don't fuck with people who are losers. And that's unpopular because everybody wants to help the, what they call the less fortunate. Well, sometimes the less fortunate takes advantage of you. Why? Because they know, oh, as long as I'm down, Natasha's going to help me. No, I don't deal with people like that. So I had to completely unlearn everything that I've been taught growing up. That, and we've been taught a losing mentality. I don't want to be around people like that. That's the first thing. Number two, until I changed the Way I thought about myself, I've been telling myself I was going to be a millionaire. I've been telling myself I was going to be on this show. I've been telling myself I was going to go out there and do all of the things that I used to dream about as a kid. And then to that point, money is an energy. And that's the thing that I think a lot of people don't understand is that the only way money is going to continue to flow is you have to put it out there. So I had to change my mindset on everything that I was taught by my parents, my pastor, my teacher, my counselors, my best friend, my day ones. Mostly everybody in our lives does not have the answers.

[A]

Well, I would say to someone, don't ask someone about your industry. If you are in money and loans. If they're a carpenter, they don't know about your field. It's like we're all Google fucking doctors around here. When something happens, we're the first to be like, oh yeah, I'm the doctor. My doctor says, oh, is that your Google doctor again? Okay? And I'm like, you know what, you're right. You're right. We're all doctors as soon as we need. No, I ask someone who is five steps above me when I want to learn about financial literacy. I ask you, and I ask my other friends who are in that arena.

[B]

Definitely.

[A]

I don't ask somebody who is a international swimmer for financial literacy advice. I pick my field, I choose my battle. So I know if I want to learn and expand in my field, I need to be around five people who are like minded to me. But five steps, well, you know why.

[B]

People do that, right? Because most people, when they find their friends, they draft down. Most people don't like, they want yes men. They want yes men. Most people don't like to be around people who are better than them.

[A]

Like that. They drop down. No, I dropped up. Boo.

[B]

I dro the up.

[A]

My average of my five people, I'm an average of my five people. You're an average of your five people. You are an average of the five people you spend time with. So if you are spending time with people who are losers, who are broke, who are less than where you are at, sweetie, what do you think's gonna happen to you?

[B]

No, I tell people you're gonna lose your money. You will. And anytime somebody wants to kind of come around my circle, I wanna see their circle first. Cause that'll tell me everything I need to know about it.

[A]

Honey, that's why I've broken up with so many men. Straight off the rip. When I see your circle, when I look at everything. Wait, who he is a criminal who did what? Right now, Like, I don't mind if you got a criminal part and you've changed your life and now you're like, you know, I can think of so many people who have absolutely nailed it after they've done that. That's not the point. It's like they're doing it again and again and again. Currently, he's wearing an ankle tag right now. Oh, you what? He. He don't own a home and he's 40. Like, he's 50. He's never even done anything with his. Do you get it? Like, I'm looking at who you are and who you surround yourself with. Because, in fact, when I'm looking at a man, even as a friend, I can tell who you are by the five people you have closest to you.

[B]

Absolutely. If you want to take it a step further, ask them about money, because they're going to do one or two things. They're going to talk empowerment, dialogue, or they're going to get upset. Why are you always talking about money? That's all. And so I tell people all the time, you want to know how somebody reacts or their personality or if you can grow with them, Ask them about money. Go hang around their friends, and it'll tell you everything you need to know about them.

[A]

Wow, that's so true. I like people that talk about money in a good way.

[B]

Absolutely.

[A]

I don't want to sit and tell you how much I earn. I don't. I find it corny. Like, I don't want to sit with someone and be like, I earn this. But what I do want to do is talk about how we can amplify.

[B]

How we can grow, how we can grow. Absolutely.

[A]

I want to sit with somebody and be like, okay, whatever you're earning now, don't. Don't tell me. I'm not into knowing people's numbers. I find that corny. But I do want to know, are you in a multiple six, multiple seven. Multiple eight, multiple nine. Where are you? Because I know I can 100x what you're doing through certain moves and certain things. It's like when people growing a business. If someone right now is growing a business online, okay. For anybody, people want to see you. You are not going to get your brand out there if you don't invest in yourself.

[B]

You have to.

[A]

You have to invest in yourself. Like, you have to get A business loan if you need to. Like, I got alone when I was literally for money and hundreds of thousands of debt. I managed to get a loan in the UK for surgery, three lots of loans, which paid for my rent and my business to function. It was so brilliant. It got me out of debt.

[B]

Yeah.

[A]

I used that money to invest and then I multiplied that money so I invested in somebody, a VA and an assistant who would be able to run what I was doing and multiply the numbers. Then I got a salesperson. All of a sudden I start to multiply. Oh my God. I'm paying back the loan and I'm making money. You got to invest in you. You have to want someone else to invest.

[B]

And like I tell people that if you're not delegating in automation or paying for delegation and paying for automation, your business will never grow.

[A]

You can't scale unless it's automated. You can't, you literally can't scale if you are the only person able to do what you do. So I am a public figure. I'm somebody who has courses. I have courses online now, but I'm somebody who is a figure who people pay to spend time with, right? They pay me multiple six figures a year to sit with me and have conversations with me and for me to help them scale their business online. I help people accelerate their authority online, right? Grow their name, become a star, the number one authority in their field. That's what I help people do, right? But I say to people, if you can't scale that, if you are like me or one of those people, then you're. How do I scale that? I create courses that sell while I sleep. I have a membership program that sells while I sleep. I now make multiple six figures a month while I sleep. I sleep. I make it because I have passive income. I teach people how to build their own passive income with an online course. You don't even need to be in the video. You don't need to be a part of it. You can sell something while you sleep and make money and then that money.

[B]

Works for you, makes you more money. No, absolutely. And to your point, since we're giving out monikers, I'm the number one credit guy in North America that's helped over 50,000 people virtually in person, that I've taught, you know, some of your favorite credit gurus, financial gurus. I've helped over, you know, 15, 1500 people make over six figures. This just of who I know of. I've helped over a dozen people become seven figure earners and I started off homeless and broke. And so to your point, you have to invest in yourself. And I took out loans. I've been broke twice. I've been. I was on the verge of filing bankruptcy. I've been sued civilly twice. Like I've lost everything multiple times. But is because I believed in myself, I didn't listen to what my parents told me, my friends, all of these people who told me to go get a real job, go do this, go do what's conventional. I mean, I dropped out of college because my economics teacher said, you can't be rich going this path. My economics teacher. So it's like I never listened to anybody who didn't have the answers that I wanted.

[A]

Wrong.

[B]

Absolutely.

[A]

You went against the grain.

[B]

I had to.

[A]

I love that. Okay, we got a few minutes left. I would love to know how people can get a hold of you, how they can lean into what you're doing. I know you have so many great things on right now. You have an offer on right now. No, Something special.

[B]

So just for your audience, what I'm going to do is, is I want to give them a bunch of free stuff.

[A]

Yeah, we want.

[B]

I want people to go out there, test drive it, do all those things. So I'm actually going to give away the number one selling book in the credit space. Have sold over 50,000 copies. I have my credit is King Bundle where you're going to get a copy of the actual ebook as well as the audiobook. I'm also going to give them my full time CEO book because I own both trademarks and it's called Full Time the Shit They Don't Tell youl, which is my book, which is book number two, which talks about entrepreneurship. You're going to get the E book as well as the audio. And then I'm also lastly, Natasha, just for you though, just for you going.

[A]

To buy me a house.

[B]

I'm going to buy her new. Yeah, I'll buy you a house. So I'm also going to give your audience access to my community free for seven days where I literally give people the blueprint of how to get up to a million dollars in business funding. I offer people free credit repair. I mean there's a wealth of information.

[A]

You get it for seven days. Is it like an academy thing they can join?

[B]

Yeah.

[A]

For free.

[B]

For free.

[A]

Whoa. That is an offer not to miss. Like your stuff is top notch. Yeah, I know you've seen people get out of debt. You've helped so many people change their financial journey and their wealth, mindset this is so powerful. I'm all about wealth mindset. Let's give our top three tips on wealth mindset.

[B]

Before we do that, I need to tell them how to get it.

[A]

Oh, wait.

[B]

Yeah.

[A]

Well, we're going to put the links below. Okay, but tell me more.

[B]

Well, I want them to know they can text the word CEO to 725. 713. 1333.

[A]

Whoa. Okay, guys, the numbers below. Text the word CEO again, too.

[B]

725-713-1333.

[A]

And they'll get everything.

[B]

When they said that they get everything.

[A]

Whoa. Do that right now, people. That is so good. What's your top three tips on mindset? Wealth mindset.

[B]

Top three tips. Number one, you gotta understand that money is not going to make you rich assets. Do people think just working for money? See, anytime you're doing just straight implementation, meaning if I'm a landscaper and I'm the one only cutting the lawns, I will never be rich, because guess what? I can only make as much as the amount of lawns I cut. Number two, you have to borrow money. Every single investor that I know, every single, you know, person who's making six figures, seven figures, eight figures, they all leverage and borrow other people's money. And number four, I mean, excuse me, number three, you have to become disciplined. If you're not disciplined when you in the beginning stages, you will never get to that next level, because here's what ends up happening. As soon as you make a dollar, you want to spend a dollar. But you got to make that dollar, keep 50 cents and invest the other 50 cents. And until you understand those basic concepts, you will stay broke in 2025 and beyond.

[A]

Do not stay broke, people. My top three tips on wealth mindset are. And this is the secrets only the rich know, honey. Number one, make your money work for you. Exactly. Like you said, get in alignment. That's literally why I bought you on, because I think you are so good at that. So get yourself a coach. If you don't have it, get into community with somebody like this who can guide you and learn to make your money make money for you. Number two, you got to rewrite your story, Go back to the drawing board, and as you know, I'm the scripting queen. Go back and write it down in the past tense. I made a million dollars by December 31, 20, 2025. I made $10 million by December 31, 2025. Whatever the number is, whatever the year is, write it down in the past tense and then write about it. What it felt like now with that money, I was able to build a school in a third world country. I was able to give back to my family. I was able to pay off the loans. And it felt so good. I want you to write about it in the past tense as though it felt amazing. And my final tip on that is affirmations. Every day you've got to rewire your mindset. And you can do that. There's the latest harvest study out and it said in six months, you can rewire your mindset, your old belief system, through mirror talk. You can stand in a mirror and reframe your mindset. So when someone's standing in the mirror and they're looking at themselves and they're thinking, I'm never going to do it. I'm never going to be great enough. I'm never going to make money, I'm never going to get out of debt, you now got to do the exact opposite belief and say it aloud to yourself, looking into your own eyes in the mirror. I can make money. Money loves me. Money is abundantly attracted to me. And I'm a magnet to, to money. I'm gonna make a million dollars in the next month. I'm gonna make a million dollars the next year. Obviously be delusional as, but you still got to be somewhere realistic. If you're only making $10,000 a month right now, a million is quite a jump. Go to a hundred thousand first. But when you stand in the mirror and repeat these affirmations, it's called mirror talk, mirror work. All the studies are showing it. Within six months, you can rewire that mindset and you will become a wealthy mindset person. So powerful, right?

[B]

No, it's very powerful because I always say the number one thing that stops people is themselves.

[A]

All the time.

[B]

Every single time.

[A]

Any constraints we ever have are in our own mind.

[B]

Yeah.

[A]

That is the only boundaries. Credit is king, King of credit. We have loved having you on.

[B]

Absolutely.

[A]

You are amazing. Is there any final words you want to share with our audience?

[B]

Man, the biggest thing I want to just say is like, look, this is a 20 year journey, you seeing before yourself. And I say that because people think that it's going to happen overnight. Look, you're going to be imperfect. You're not going to get it all right away. I tell people I never try to be perfect, but the thing I often tell people is that because people think you got to be very smart and know all of these things. No, you just got to know the right people. You got to know the right concepts and have access to the to the correct strategies because I know a lot of broke, smart people and all of.

[A]

That stuff you're giving away will show this.

[B]

Absolutely.

[A]

God love it. Guys, get a hold of it. Remember what to do. The links are below. You can text that number the word CEO. I'm so excited to do round two with you. You are awes. Thank you so much for coming.

[B]

My pleasure is all mine.

[A]

Will Roundtree. Thank you again, guys. Send this episode to someone who you think is going to benefit from this today. Believe me, they are. This is such a powerful episode about money. Financial literacy is so important. Send it to your kids. Send it to people who have kids. I wish I had known this at 18. I wish I'd learned this at school. This is everything you need to know. Thank you so much for tuning in. My name is Natasha Graziano and I'm your success and scripting coach. I'll see you again next week.