Credit score hack. You asked

Рет қаралды 36,482

Workin on it

2 ай бұрын

Пікірлер: 108

@randolph7214 2 ай бұрын

I knew credit score was a joke when my score dropped after paying off debt early.

@workinonitsteve 2 ай бұрын

Exactly the system is definitely rigged to keep people maxxed out in debt. People buy stuff they don't need because the bank approves the way over their head.

@SHUTENSEPC 2 ай бұрын

What.

@christianbass10 2 ай бұрын

I work for a bank. They like you to revolve your debt and not pay it off .

@TheMtnDerr42 2 ай бұрын

This literally happened to me today😂 it’s a joke.

@Iburn247 Ай бұрын

That is due to revolving accts. It's not a scam it has a system tho

@cptdelay7869 2 ай бұрын

Millionaire Mindset

@6.2bandz Ай бұрын

I understand the thinking but no this isn’t how rich people think you learn to use there money to a advantage like a company starting a business using equipment as right offs not saying he is living bad but he most definitely is older and don’t think he going to get rich any time soon with the way he thinks work smarter not harder

@cptdelay7869 Ай бұрын

@@6.2bandz well i dont know him. i just saw his short. All i was saying is that not going into high interest debt and not caring about status symbols is the best mindset to get in to become rich. sure there are also hard work and learning high paying skills envolved, but these bring you nothing if you spend it all on dumb shit while getting in debt. I dont see where thats wrong.

@clint6716 Ай бұрын

@@6.2bandzthis is exactly how wealthy people think, you just don't know all the details of his investment portfolio. In order to grow wealth people use their income from their job to buy income-generating assets. Once you've accumulated enough of those assets, you're then able to live off the interest, gains, or dividends of your assets, which get taxed much more favorably than just income. Limiting liabilities, consistent investment in income-generating assets, and living below ones means for years is precisely how wealthy people build their wealth.

@kebabfoto 23 күн бұрын

@@6.2bandzYeah but you don't buy a lambo when ur working in a warehouse

@614BlueBerry 15 күн бұрын

@6.2bandz Wealth isn't measured in your bank account, it's how fulfilled you are with life. Why do you think Millionaires still off themselves? I'd rather be wealthy in happiness than money.

@tearex8688 2 ай бұрын

And this mindset is why this man lives so nice.

@OfficiaFoxDeltaGames 6 күн бұрын

Paying cash only works if you have buckets of cash to begin with. Some 18 years needing a car having to buy a used car with no money to fix it will have to settle for a loan for the car, and credit cards to repair. Stay frosty people

@JohnElliott-rb3pi Ай бұрын

Great mindset brother.

@pablooskibar4843 2 ай бұрын

My dad has a crack head mind set he doesn't give a fuck about generational wealth for his family respect to you sir

@workinonitsteve 2 ай бұрын

Thanks man, good luck to you.

@toniojester8632 2 ай бұрын

😂😂😂

@dominicdamore6404 27 күн бұрын

@@toniojester8632your a ass😂😂

@skylerthomas553 2 ай бұрын

Respect man your just like my gpa I respect tf out ya 🙏🏻🖤

@workinonitsteve 2 ай бұрын

Thank you !

@workinonitsteve 2 ай бұрын

$2500 and a little maintenance vs payments On a hundred grand. What else could you pay for with that $1500 a month. Could your family benefit from that disaster missing from your bottom line? Less debt more real money real wealth

@d.freedom2739 2 ай бұрын

Well put.

@workinonitsteve 2 ай бұрын

@@d.freedom2739 thanks 👍

@frankthespank Ай бұрын

Yup. 2000 F150 long-bed owner here, white as well 😆 Damn solid truck!

@Chdmom911 Ай бұрын

Love ur mindset i would ❤️ to learn more

@SW-Lopez1980 8 күн бұрын

After watching my Parents deal with credit card debt, house & car payments; I never wanted that for myself. I buy used trucks as well, but I did buy a house.

@teemglobe Ай бұрын

Subscribed ❤

@omegathealonewolfer9414 15 күн бұрын

New subscriber Bec I love these types of guides

@dndzoned4134 25 күн бұрын

Hell ya brother that hits home keep going strong

@albertorosado6590 2 ай бұрын

You right man 100% true.

@workinonitsteve 2 ай бұрын

Glad you liked it, thanks for watching.

@stevengiroux1753 Ай бұрын

I only have a 75k dollar truck but I owned two house for 9 years but sold one due to the rates an walk away with a bit of a bump in life. But for 5 years I didn’t have a car payment. But I needed a new truck due to having a kid and a more reliable vehicle.

@TheBoxingNinja 2 ай бұрын

I brought my house with my credit and pay 3.3 Apr on my loan. My bank pays me 5.26 apy on the money I keep in my savings. I make more on interest than I pay on interest and what I have in my account would only cover half of my mortgage. Same thing with my car note, I could buy the car in the cash but my money makes more money in the bank than it does paying low APR loans off

@workinonitsteve 2 ай бұрын

You are one of the few that understand money vs most people that buy anything a bank will approve them for at whatever rate they sign off on. Thanks for watching.

@TheBoxingNinja 2 ай бұрын

@@workinonitsteve thank you for the content

@Wot50202 2 ай бұрын

I just need a piece of crap that gets me from a to b. If it has a kick ass sound system it’s just an added bonus.

@workinonitsteve 2 ай бұрын

Tunes are always a bonus!

@scottloessel6493 4 күн бұрын

Did he say $2,500?

@RecordedMercury 2 ай бұрын

This guy is awesome man

@workinonitsteve 2 ай бұрын

Thank you sir, glad you liked it.

@money-timemilla8622 Ай бұрын

Tech if you put thought into it you could manipulate loans to be more favorable in your deal and it’s not always about a car, you can get a loan for anything like a house which is very important and knowing how to manipulate that system is a necessity so no paying for everything in full isn’t the best option all the time I learned that very fast

@Ewwwwwwnone 2 ай бұрын

You right.. be true to yourself no matter what anyone comments.

@workinonitsteve 2 ай бұрын

Always, thanks for watching 👍

@TWITCH.JAVASAR 5 күн бұрын

If you don’t let it accrue interest against you it’s wonderful

@jacobaceves5092 6 күн бұрын

To buy a house. I gotta get a credit score for a home loan. Most people can't just buy a house cash down

@workinonitsteve 6 күн бұрын

@@jacobaceves5092 correct but look at how many people claim to be stuck renting but have credit lines all maxed out on crap they don’t need.

@trapperbob8812 Ай бұрын

You are a wise man . I do the same.

@dadc14 Ай бұрын

Yall are right credit score is a joke BUT having a good credit score has benefited me and my family tremendously. I almost NEVER pay any interest because with good credit you can get approved with no interesting for 1-3 years. I used to say I didn’t care about credit back when I had bad credit. I think it was a way of dealing with the fact my credit was fkd.

@clayed3311 Ай бұрын

Quit trying to be normal. Life’s easier without debt

@user-te3pv8lx5v 2 ай бұрын

Can I come work for you? I’m a beast

@workinonitsteve 2 ай бұрын

Send me an email.

@CrazyBritTho 2 ай бұрын

Same in the UK. I realise credit score meant 💩 when I got a credit builder credit card & found out the hard way u only improve when you use 50% or less of the credit they offer you.

@uwulord7458 2 ай бұрын

Now wait!!! If you don't invest in those cars, you won't be at the scene of the accident looking fly!

@workinonitsteve 2 ай бұрын

Ha ha this is true. Thanks for watching.

@justinabid 2 ай бұрын

True words❤

@workinonitsteve 2 ай бұрын

Thanks for watching.

@omegathealonewolfer9414 15 күн бұрын

Smart millionaire he's the richest guy RN I tell you ❤❤❤

@jayl7460 2 ай бұрын

Well said 💪🏽

@AI.bot134 20 күн бұрын

Yeah that's what I belive in too

@robinalexisantos8303 23 күн бұрын

Facts‼️‼️

@TheRealWinser 26 күн бұрын

Just to be clear you dont need to buy shit you can't afford to build good credit. Credit is useful for maximizing your capital by using someone else's. There is a reason why really rich people leverage their wealth to get more capital on credit. Also, if you are using your vehicle for work, you can account for the depreciation on your taxes. Looks like you are getting by just fine but that doesn't mean a bigger, newer truck doesn't have real value to someone's business. It all boils down to doing your due diligence.

@hjptruckingllcpratt5956 2 ай бұрын

Exactly 💯

@workinonitsteve 2 ай бұрын

Glad you get it, good luck 👍

@MrSkywalker021 2 ай бұрын

I’ll take my 800+ credit score buddy fuck what you talking about…. The deal is pretty simple just because you have a high credit score does not mean you go out and get a bunch of expensive stuff. It’s more of a integrity issue with me. Pay your bills on time don’t live outside of your means that’s the purpose of it however I do agree with all this extra flashy…Hey, look at me stuff really does not matter however, I’ll keep my credit score live within my means.

@workinonitsteve 2 ай бұрын

Thank was my exact point actually, I have great credit but I'm not maxing it out on a fancy truck when this one serves my purpose.

@ThetruthYuhide 2 ай бұрын

You just had to disagree . Shows the kind 'OF MAN" You are

@ThetruthYuhide 2 ай бұрын

All just to end up agreeing

@time2see192 6 күн бұрын

Exactly!

@cecilialokei609 18 күн бұрын

Real talk

@ronaldburkett8688 Ай бұрын

❤❤❤

@PrestoninParadisus 28 күн бұрын

That’s all fine and dandy! You seem like a wonderful father and husband. I however share none of your views on life. I’m retiring from my career in federal law enforcement that I’ve had since I was 20 years old at age 50 and moving straight to Thailand. 🤷‍♀️

@workinonitsteve 27 күн бұрын

@@PrestoninParadisus I don’t blame you if it works for you. I have several friends that have retired from here and moved to Thailand. Sounds great.

@moldalanis 2 ай бұрын

This is what I needed to hear today. Thank you 🙏.

@workinonitsteve 2 ай бұрын

Glad you liked it. Good luck.

@ryanbuckley8109 5 күн бұрын

So true

@rhauckenrol8962 2 ай бұрын

💯 💯

@Joshwoodin_MMA 2 ай бұрын

He said twice the money in interest for something to be worth nothing when I’m done😂😂 I don’t think you understand the idea of credit and creating “generational wealth” from the banks money to then benefit and make it yours. Now when we speak of a loan for a vehicle. Ok I could understand that. Vehicles depreciate. What about EVERYTHING else?

@workinonitsteve 2 ай бұрын

Most new vehicles are a terrible investment, most people are paying for junk they don’t need while pushing out minimum payments vs ever actually owning anything.

@Brysonaquatics Ай бұрын

I will say you probably should try and keep a decent credit score, I own two aquarium stores and my employees drive nicer vehicles than I do! Been driving my 2002 Silverado since 2009……some people would just rather have material things

@MrMklee123 Ай бұрын

I do agree with you . I’m a farm owner with kids and my own business . I just bought an 2021 SUV for my wife and kids to drive in for safety and pleasure with the tech . I’ve owned it for 4 months now and haven’t driven it once . It’s the peace of mind that it’s safety score is 95/100 with 40 mpg and a factory warranty until 2027 . Although it was a $27,000 purchase , I still feel that with a 300 dollar payment monthly , I can continue to invest freely

@justinabid 2 ай бұрын

Don't they steal without paying for it..

@workinonitsteve 2 ай бұрын

Hasn't been an issue yet, good people out here for the most part.

@CarmenZerle 2 ай бұрын

Wow you life in a Paradies grüsse aus Germany Berlin.Danke Gott für dein Paradies sehr schön

@workinonitsteve 2 ай бұрын

Thanks 👍

@6.2bandz Ай бұрын

@JosephTravelHiking Ай бұрын

True

@stus2159 2 ай бұрын

So anyone who can't afford a house in cash should never get one? Sound logic.

@workinonitsteve 2 ай бұрын

If you are putting the same amount of effort into life that you put in to typing this comment you are probably not on a five year plan for much of anything.

@stus2159 2 ай бұрын

@@workinonitsteve Dude, you are bragging about getting a used car, that's what the majority of us are out here doing. But saying credit is stupid just displays your ignorance.

@workinonitsteve 2 ай бұрын

@@stus2159 ok but would you feel better if you had the deed to your land in the safe next to title to your vehicle? I’m talking about not wasting money on one so I can have the other. Get it?

@merrickbryan85 2 ай бұрын

Living in a trailer talking about generational wealth

@Ewwwwwwnone 2 ай бұрын

Agree, but I don’t judge… I own my stuff instead of paying rent.

@workinonitsteve 2 ай бұрын

Owning property with a brand new house on it and no mortgage vs driving a flashy car and renting an apartment was the point.

@BlueRidgeBubble 2 ай бұрын

Dude, people with generational wealth use loans like you use your debit card lmfao

@workinonitsteve 2 ай бұрын

Correct and broke people stay broke financing things the don't need and can't afford.

@tbonegdk2938 2 ай бұрын

Exactly I’m 19 and I know that 😂

@workinonitsteve 2 ай бұрын

Good for you, most kids don't. keep paying attention and thinking for yourself, you will go far.

@tbonegdk2938 2 ай бұрын

@@workinonitsteve I appreciate that and I found out it’s better to worry about yourself then to try and fit in really early and glad I did sometimes I talk to people my age and I don’t understand how they can be so childish