We Disagree About Credit Cards! (Watch Us DEBATE)
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- Опубликовано: 11 сен 2024
- You guys, these ladies came after me on my own show-they were not playing! Korbyn, Jas and Raven are three besties who have a dope podcast where they talk about their journey to financial independence and all things money. We had a great convo about what it takes to become debt-free, whether or not budgeting is bad for your dating life, and if you really need a credit score. Oh yeah, and we had a WHOLE debate about credit cards. Don’t miss this!
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Hey, fam! I’m Anthony. I’m fired up about meeting you where you are in a real, relevant, and relatable way. Here on this RUclips channel, we’ll be having honest conversations about finding our authentic selves by living life based on spiritual, financial, and mental freedom. At the age of 19-homeless and deep in debt-I turned my life around by becoming debt-free, and I decided to spend the rest of my life helping people avoid the same money mistakes I made. Today, by the grace of God, that’s what I’m doing every day with AO Enterprise. You can rock with me on Instagram @AnthonyONeal or online at anthonyoneal.com.
I'm married and we follow the Baby Steps. There is no reason to open with saying: I'm dating on a budget. You take her where you can afford to go and spend time getting to know each other. It will be discussed and she'll know what you're about.
"I would be so uncomfortable to......have to tell you no as my wife because I said yes to them as my girlfriend." This right here is a complete word and concept that I wish more men and women would adapt. This honestly goes back to consciously dating! Dating with a purpose! Stop wasting your money and time on people you KNOW you're not going to pursue.
AO respectfully broke it down on so many levels. My wife understood later on why I would not buy her certain things as a girlfriend. A woman should not do certain things for a man that is not her husband. We have not “earned” that right yet.
Preach..Everything is upside down sadly.
Only use credit for stuff you would pay cash for anyway, like your monthly cell bill or gas for the car. Never over extend. Never carry a balance. Pay in full every month and you will see rewards.
I hear what you are saying, but that's how you slip up. I pay cash 99% of the time and only use my card for emergency spending. It is all about disciplining your spending. If you can't afford, deal without it. If you truly need it, use the credit card. I have a good savings account, so I don't have to use the credit card anyway👌. The points and other benefits are their to encourage you to spend what you don't have 🤔.
@@crw3673 you’re smart
I always love the money topics on this show. What really really really blew my mind is HOW WELL the Anthony and guests on this show discussed opposing viewpoints in a very courteous and civil manner. You never hear that in todays shows. IT WAS REFRESHING. Everyone posts terrible conflict clickbait, while Anthony and the ladies are out here dropping insightful knowledge, friendly love for one another, and fantastic discourse. This show rocks.
Maybe there will be a day when he and his guess can take it even further , and cease to mention skin color .
@@WISHBONEL7 he never mentioned skin color in his comment and fortunately “ceasing to mention skin color” won’t happen because Anthony is a poc 😉
I used to do everything cash til I got tired of jumping through hoops to do simple things like apartment applications. And these days jobs are checking your credit especially if you need a security clearance. Doing everything cash actually raises a red flag with them. But I understand the overall sentiment. Fico 10 is about to make it even more difficult for people to get approved for things so it’s like pick your poison
That part. I was always told to pay everything straight out on cash. It took me a while to realize to build credit you’ll need a credit card/ debt card.
So I limit for the most part what I use on my debt card. I just paid off my credit card six months ago. Now I working on other debt that I have
Dude, watch AO do these interviews and topics with inspiring well educated and well spoken individuals is so refreshing! It really gives me hope for the black community. Too many times watching the news, day after day, seeing our people in negative situations, brought on by themselves gets discouraging☹.
I'm glad AO is mature enough to agree on disagreeing on certain topics. I do believe in a good credit score! I do believe in saving in a 401k. I believe in preparing for tomorrow and the next day.
Credit cards are like fire! It can work for you steadily or tear you down very quickly!
Your credit score now doesn't just affect your buy power. It can affect you getting a job and getting into an apartment! It might not be a fair or accurate analysis. But people that are good with paying and saving money, tend to be good employees and tenants.
For everyone saying “I’ve done well with a credit card” Anthony isn’t saying there aren’t people who do well. But in the video he already said he’s not speaking to the minority. He’s speaking to the majority who are living paycheck to paycheck.
His response to being flexible with his budget and he said “no” lol
Hey... just saying the truth. LOL
@@anthonyoneal lol of course..I really loved and enjoyed this show and topic. Thank you!!
🤣🤣🤣. Anthony consider a sinking fund! That way you’ll have that money aside for surprise change of events in dates lol
Loved this episode! It was quite entertaining, interesting, and respectfully debated. I am a Dave Ramsey listener and love the money principles that he teaches. Glad to see Anthony bring this information to the African-American community. Still on my financial journey, but will be debt free all but the house next year! I have to agree with Anthony on this one. Using credit cards (someone else's money) will not lead to financial freedom. Just think about it.
Currently on my debt free journey and I've decided to do away with my cards. I'm responsible and I don't carry a balance on any of them, but what's really driving me to cut them up is the fact that cc companies are basically betting on my failure so as to really profit off of me. Whether it's interest fees or late fees or whatever they can come up with, that's ultimately what they want, so why would I want that kind of energy in my life. If I have a girlfriend who's betting on me to fail, I wouldn't keep her around. Same with credit cards.
That’s an amazing way to think about it !
I feel this
Anthony, you being on a budget isn’t the issue… it seems to be the women you’re choosing to date is… 🤔
Also, definitely enjoyed this episode!
Ooop 🤭lol
Thank you for stating this! Somebody needed to call this out lol.
Exactly!
Let me show him how to splurge on a lady, responsibly 😂😂
Exactly.
It's so ignorant when people tell me they can't buy a car without credit. I literally went to a dealership and swiped my debit card for a car. It's not that you can't do it, you can but you don't want to.
Yea, I don’t necessarily agree with getting a credit card for survival purposes. If you learn how to steward your money correctly then you can learn how to avoid these situations to begin with.
Agreed. I think the mindset of “I need this card to survive” will become so second nature it’ll be harder to grow out of it
I've received notifications of my credit score dropping and rising because credit cards are being cancelled due to inactivity. With a zero balance these companies are forced to take back the lines of credit and give them to other victims. It doesn't bother me now as opposed to before the pandemic when I had at least six cards and a car payment. I payed them all off and for each one paid was like getting a raise. Now my wife seeing my progress was apprehensive before but is fully on board right now so we're banging out her debts together.
Discipline = credit cards are good...no discipline = credit cards are bad
^^^^^^
I wouldn't say that. But I respect your opinion. I have discipline and I still don't do credit cards. LOL
You could also sub credit cards with cash and the same scenario would apply
Well said! I have been burned by a credit card in my early 20s, but have found it very useful in emergencies. Now carrying a 0 balance for over a decade. But keep it in the back pocket for just incase!
@@anthonyoneal credit card are like fire. They can be very useful, but very destructive.
Credit scores are now being used for hiring and renting.
It only by educating and disciplining yourself that keep you out of credit card trouble!
A good credit score is often needed for certain career and job opportunities...credit checks are part of the interview process for many corporate and higher level management roles.
Good point!
Yup, at my job I needed a credit check.
Question ... Are they looking for a good credit score or are they really looking that you don't have a bad credit score??
@@mdthomas8368 they are looking decent credit and if the role requires you to hold a corporate card, your record with financial responsibility and if you meet the requirements to be issued a corporate card.
AO, the temptation of a credit card is REAL!!!! I lost a niece, had to travel to Africa, had just done plastic surgery on my credit card but I figured it out without borrowing!!! I will never go back to owning a credit card.
Sorry about your niece 😭
Completely debt free. I rent...I have NEVER owned a credit card. I've never had an issue renting, renting a car, buying a car which I've paid in cash, anything...I'm a minimalist at heart so I buy what I need and on experiences, not stuff that doesnt come with me when I day. My goal is to retire early and travel, God willing. All my money goes to needs, then savings and invest, giving to God first. He has blessed me tremendously for stewarding HIS money He has entrusted me well and has giving me so much grace and favor to get things I need without a credit score.
**when I die**
HALLELUJAHHHHHHHHH YAYYYYYYY
In my perspective, the credit card companies put on a cloak of benevolence by offering benefits, but their transparent agenda is to financially-trap. Emergency expenses like food and utilities is understandable for credit card usage, but for the majority, I think it has made us too comfortable and diminished our motivation/creativity to implement ways to earn big cash and not have to ever use a credit card for a emergency need, but instead rely on our emergency fund.
They are well aware that most people cannot handle credit cards responsibly. So while there are people that can handle credit cards they are in the minority.
I partially agree with you. The credit card companies are in it to make you a financial dependent on them, that I agree. Food and utilities are not a emergency! These are things you must budget for on a monthly basis. Your car breaking down and some needing fix asap is emergency. Not the utility bills, car note and rent, you pay every 30 days 🤔
@@crw3673 Yet food is a need and utilities in climates of extreme heat/cold, unless one can improvise and use the environment/natural resources to regulate body temperature
@@zeal4god402 I get that bro, I live in the northeast! But you shouldn't be using your credit card for regular every day spending. This is how the credit card companies get you hooked. The more you use the card, the further you go in debt. Pain killers are good in moderation. Used all the time unnecessary, will get addicted! Everything Anthony O'neal teaches us is based off of discipline! If you can discipline yourself, you can do almost anything!
These beautiful ladies are a ball of light and positive energy. I love it!
Awesome conversation as a mother and grandmother I been teaching my children how to ALWAYS stay debt free. Our people are hurting generations after generations because of lock of knowledge. I LOVEEEE this show continue to teach our people my brother.......... ❤️❤️❤️
He doesn't want to say no to his future wife because he said yes to a random girlfriend. Baaaaarrrrssss. Yeeeeees A.O. That is wisdom, thinking long term and seeing the bigger picture.
Great topic! I have 3 cards with $0 balance…it’s definitely doable. We can’t pass down credit score! 🙌🏾
Quick question, why 3 cards? The more cards, the more chances to get into financial problems. I personally went from 2 to just 1 and has kept a 0 balance for over 10 years. Just keep it for just incase, Aka emergency.
AO, I’m not the expert. You are. But try this: there’s a business term called the management reserve (you know what that is). Put that in your monthly budget. That’s money that’s set aside for a good, fun, worthwhile opportunity. It rolls over from month to month. It’s not for emergencies, it’s for that once in a year opportunity that comes up that you don’t want to miss. Your favorite band or entertainer comes into town and you didn’t know ahead of time etc. it can be used on a date if you want to or for any other purpose. It’s a way to plan to be spontaneous. Try it!! 😀
I do have something like that already called "miscellaneous"
@@anthonyoneal I got a response from the MAN himself! Yeah! That’s good. I separate a specific line item for my opportunism. But maybe that’s just my personality
I'm with you Anthony. I hate credit cards. Why use a credit cards when you have the money to pay for it, just to get cash back or rewards points🤦🏽♀️. Savings is better than cash back. Being debt free is better than rewards points. Ownership is the best.
Ok AO!! He said he is not going to say no to his wife because he has said yes to his girlfriend!!! All the poetry snaps!!🙌🏾👏🏾
AO took on 3 Educated women. They did hit on something no one says I can't do it because of a budget. I know women respected the fact that I was more solution oriented. I think when she mentioned the flexibility that's where conflict came. Glad yall were on skype lol..Great Video!
52% of people not having $1000 They make the income it's likely they don't know how to save rather than just the debt. Great discussion.
That's the only thing I didn't agree with, not that I had to have a credit card... ive never had a major card but I got a secure card and paid my cell bill and paid it right off. Now I have a 850+ credit score. I have No debt, a savings, and now I'm looking for a home with the only problem being this crazy market.
@@Rashaadthegr8 That's a fair statement. Guess we're never debt free because we also have bills every month too huh. LOL
@@Rashaadthegr8 That is true but paying on time (secure card) doesn't either.
@@Rashaadthegr8 Never. I started working when I was 16. I've never been late with a payment. If I made $10 I saved $4. I've always had an emergency fund without knowing I had an emergency fund. That came moreso from not growing up with much and just being scared of not have a backup. I wouldnt' have it any other way. I mentioned my secure card and me using it to pay my cell bill. I get paid once a month and my cell bill is due on like the 26th and I get paid on the 1st, so I pay it with my secure card and then pay it off on the 1st. It's not for everyone but it works for me.
I pay no interest I always pay off before interest kicks in. I like the reward points my fico is over 800+ over 20 years.
@@six6goddess214 Im not against what AO is saying, it makes sense but this is what has worked for me too.
I always hear how you can leverage credit cards. Granted they don't teach this in school, but to me, I just say the less debt the better.
By far my favorite episode thus far!!! Go ahead with your bad selves!!!
I have to say... one of my favs as well.
@@anthonyoneal this is the energy we need especially from our age group and diverse relationship/family statuses!! Keep them coming!
BLAME PEOPLE NOT CREDIT CARD COMPANIES
Hmm we need to know what Anthony’s dating budget is? He talks like it’s $20 a month 😂🤣😅
Very interesting perspective on 401Ks. I agree with the thought that we have to teach people about saving, investing AND paying off debt because most people do have debt. However, I also like the idea of teaching not acquiring debt in the first place and paths to ownership. Honestly, I feel like teaching has to begin before 18.
Just say "spending plan", it's less emotionally loaded, and implies choice, over constraint.
Credit cards should not be used for emergencies. That is bad financial advice. You cannot afford to have a credit card at that point. You will fall into the trap of never catching up, paying crazy interest, and having that credit score torn to pieces. Having a bad credit score is worse than no credit score at all.
For people who are financially responsible, credit cards offer some decent benefits. I have a travel card I use for my regular purchases. I get my cash back & points, I get travel and rental car insurance, etc. The key is to be disciplined. Don't spend just to get CC benefits. Use it for the everyday expenses you would make regardless. Pay the card off immediately with the cash you would have used. I never carry a balance and pay my card off every week to avoid interest.
The intro hooked me instantly!
This was a good show 👍🏽 Debt free for over 10 years Winning
Congratulations my sister!
I keep going back and forth on my stance about credit cards. Can’t wait to see this.
Keep one more emergency
@@JohnDoe-gc1kt save cash for emergencies.
@@Dflonn
1. I don't carry thousands in cash.
2. If I travel or leave the country I don't use my debit card. If fraud happens I'm fighting to get my money back. If its a credit card they are fighting to get their money back HUGE DIFFERENCE.
3. its all about discipline im doing quite well for myself my card gets paid off every month.
I would honestly say do both. Keep the credit card for “emergency “ only but only use it if your first emergency (cash saving account) fund is low.
And I agree with not using debt card/ credit card when traveling cause people steal stuff (which happen to me) all of the time.
@@Rashaadthegr8 how? A debit card is YOUR money a credit card is THEIR MONEY. If you don't understand that we can't move forward in conversation.
Thank you AO for a new long-term goal...buy my daughter's first house when she gets married. ❤ this.
They don't have 1k in a bank account, credit card gives $50 back. I put my rent/ Mortgage on the cc and now I just put that money back on the cc and get $50 back all the time and save that. Boom 1k in bank account
I used to be one of those who believed you should only use a credit card for emergencies, but then I realized that personal finance is more of an art than a science. If you spend $3k a month naturally, why not use a credit card that will give you $1 for every $100 you spend? That’s $300 back in your pocket every month. At the end of the day credit cards are neither good or bad. It’s about how use it and what you do with it.
The Key is to create an LLC(s)/business(es) and transfer all you assets from your personal accounts to your LLC(s)/business(es) and/or trust accounts.(Protect your wealth) Payoff ALL your personal debt (personal CC, loans etc etc.) Start building business credit in your LLC(s)/business(es) so you can scale your business and so you can limit or don't use your personal CC at all (have a 6-12 month emergency fund for yourself, so you want have to touch your personal CC. Any liabilities ie: car(s), phone, the place where you live, etc. etc, start putting it into your LLC(s)/Business(es) name. (There lots of benefits and write offs) Basically let your business take most of the debt/liabilities so you don't have to. But at the same time, be in control and be responsible with the business debt. And if the debt go south you can aways file for business bankruptcy. Businesses go bankrupt all the time, so that the owner (the person) don't.
I hate credit.! After im done with this im done.!!!
Conversations like this in this way between people with different ideas and perspectives, male, female, this is what's missing in society. We don't all have to agree, but we can all be reasonable and respectful and appreciative. I truly enjoyed this.
Don’t Look RICH… Get Rich … Get Debt Free And Stack Your Money And Invest 💪🏾💪🏾💵💵💵💰💰💰
Credit cards are great if your a responsible adult and pay no interest, debate over, and the idea people spend more money with a card than cash, walking around with cash is super sketchy in most poor communities & many black communities are poor, i don't like walking with cash
I do not teach walk around with cash bro! I teach use your debit card. Which is CASH. LOL
@@anthonyoneal but then how is that different? Cash being tangible and countable vs a debit card is nine yards to find out how much you have. For some even a debit card is as bad as a cc.
@@anthonyoneal I respect your perspective. A little off topic but I want you to know its a bad idea to build the home or your son or daughter once they are married. This sounds crazy but I learned this from an episode of boy meets world. Once your children marry you need to step back and let them grow together. This includes finances. Give them a solid foundation growing up( i know you will) and once they are adults they will be able to do for themselves. Just my 2 cents. Everybody should experience struggle it builds character.
Just canceled my credit card about four days ago 🙁. Imma be highly upset if you don’t win this discussion.
As a Black Women I’m Not putting No team on my back. Periodt
I would rather have freedom, vacation with no debt vs. nickel & dime discounts
Say it again for the people in the back
Oh my. This is going to be good. Can’t wait to hear this one.
I do agree with Anthony. I'm very fortunate because my parents raised me under the same principle before anyone knew Dave Ramsey. I was taught never to use credit and always pay in cash for things you can afford after bills were paid. So I never worried about debt. I have a high school diploma and I had a regular job. I was taught to invest early in life. By the time I was 35 I was a millionaire by 42 I had enough to retire. Now 53 I have a net worth of 3 million dollars. Last year that made me 6 hundred thousand in income not touching the principal. I Bought two homes in cash never using debt. Why am I commenting? When I was mid 40's youtube got me into credit card churning. I ended up with 40 credit cards. I was never an overspender, ever in my life. But the bonus points were 5k or 6k of spending in three months got me bonus points, I found myself overspending money even though I didn't have any bills just to get those points. Another downfall I found myself in was once I had those points I traveled to use them for no reason at all before the miles expired. Yes, I got the free flight but I had to pay for a hotel, rental car, and eating out every night once on the vacation. I even asked myself at one point, what am I doing. Traveling up to 4 times a year to use points. Of course, I paid the bill in full every month and never carried debt but my spending was out of control. That's what these so call points do, they make you use them even if you don't need to. I closed all of the accounts. Now I travel when I want or need to, using a debit card. If they can get me, they surely can get you. I thought I was untouchable when it came to my finances. These credit cards are good at what they do. Just don't use them.
All of the high net worth individuals I know have a cashback credit card which they use for business expenses. Unfortunately, the undisciplined majority allow the wealthy minority to game the system.
Your credit score is incredibly important.
Wow...I was about to go to church too...lol...watching from 🇯🇲🇯🇲🇯🇲🇯🇲 .
Very interesting session I am really enjoying this, I believe it is important to say our mindset is important in money, marriage management and finding a mate for the single folks...love this discussion.
"Not the cheddar biscuits!" Hahaha
Never again no more CC'S PERIOD for me!
Let Anthony know ladies. You may have to up your dating budget.
Ahhhhhhh I love this Anthony! Thank you for allowing us to see other views on finance on your platform. Makes your content all the more enriching! That 2 week break was a blessing cuz you out here coming up with even more epic episodes!!
The word "budget" is not a deal breaker for me. That says purposeful, responsible, secure.
My wedding was...$1000 on a sail boat w/ 4 guests. Paid off before we stepped on the BOAT!!!
Love this guy God bless you brother keep doing what your doing very good show
Anthony takes this budgeting thing too far. 100% guys get the most feminine women. I think his budgeting will be a turn off for most women.
He does and you're correct about it being a turn off. . . Flexibility doesn't not mean clear out your bank account. He definitely comes off as repressive.
Love to see fellow Rams make it happen!
As a couple they have to work together he doesn't sound like he on the same page. It hard to be efficient if you don't work as one.
I think it's so interesting when people defend building credit saying you need it in order to get a mortgage or car loan. They say manual overwriting or living with no credit score is " jumping through hoops" and I agree that it does take longer and is "harder" to do. But if you compare the few weeks or months it will take to get a mortgage or car with no credit, it pales in comparison to "building credit" which takes YEARS. YEARS !! But some extra paperwork and a few months is too much.... Very interesting.
Soooo... clearly these ladies have not been FULLY introduced to Dave Ramsey's program.... the point of having the emergency fund is so you DON'T use a credit card when you have an emergency, because you have the back-up funds to cover your emergency. If you have to use a credit card for an emergency, then clearly you don't have the money to pay back the cc and that's how people continually carry a balance and can't seem to get out of debt. You need a credit card and a credit score if you plan on borrowing money. If you buy and pay for everything... YOU actually OWN IT!!! The bank doesn't own your stuff until you pay them back. It's beautiful owning everything in my house and on my driveway. Working on paying off the mortgage next! 🙌🏽
AO, more of those please! It’s always great to hear different perspectives and help enforce point of views one way or another
I’m one of those people that credit card stack and have about 250K of available credit to use when I need it. It’s helped me fund the start up of my ATM business and it helped me get my first two rental properties. Learning how to leverage your credit and learning the difference between good debt and bad debt is key.
You are fun! And love hearing info about 401k and credit cards! Thanks! Fun and productive!
I’m glad to hear young black people discussing finances. Don’t use credit cards, and pay cash for everything.
I love that all these women have a mansss though 🥰
I have one credit card. It has a $3000 limit. I've used about 11 percent as of today. But it'll be back to 1% after it pay off my balance.
I decided to restart my 401k because actually my take home pay was less when it was stopped than when it was in force. We just all have to analyze and do what’s best for us but definitely see your point in trying to teach the masses AO.
This was so good and fun to listen to! I'm glad RUclips recommended this vid.
Why can’t we teach about credit scores, credit cards, & buying a house with no credit. More than one thing can be true at once. This is what a lot of us a people of color have a problem with, sticking together.
Enjoy the show. I want to pay credits cards off and start budgeting
If you choose to use credit cards never have more than two, always pay it off in full every month, never charge anything that is ‘optional’, just charge things like fuel and items you already budgeted for. Anthony is right you can do it all with cash and debit cards and no credit score too, it’s a little more work but it’s also the better way overall to keep yourself out of debt and build wealth.
This was great Anthony! But I do agree with you about the credit score and no credit cards! But I love the women they are rock stars!
This is both informative and entertaining! Thank you for this, good brother!
Use the debit card instead of credit card.
Really enjoyed this episode, these ladies are fun. Def checking out their podcast ❤
If I get a man he will be very surprise I don't have ANY debts. Even my houses are paid off. I own 5 houses(rentals). We can start taking fabulous vacations day one.
👀👀 i love these sistas!! They brought up some good points
Yup. I can see why they got wifed up quick
Credit cards are cool until you lose your job or use it as a emergency fund. I paid off my CC every month. Then I didn’t have my fund as built as possible and had to pay for a funeral on CC shortly after got fired out the blue of my job of 8yrs. 10k in debt doing Uber. Yes my savings wasn’t built enough but if I had savings built properly why would I use the risk of a CC you never know what would happen.
Anthony Jas said I'm working on my financial freedom. Sounds like a different way of saying I'm on a budget.
This is so fun to watch! I love it
When Anthony talks about financials he goes deep! Don’t agree with everything but respect! Good stuff 👌🏾
Break the norms!!! Great episode AO.
Getting a home with a zero you will pay higher rates.
No because if that credit card is what is keeping a roof over your head, then you need to get a roommate or go and stay with family if possible. There are ways to make progress without depending on a CC
😂😂😂😂😂😂😂 omg I’m not even 10 minutes in and I’m cracking up.
Good information!
you should have a show with devon franklin. yall would vibe
Thanks Anthony for your podcasts. You are very inspiring.
Credit cards are a tool. Just like any tool, it all depends on how the user uses it. Credit cards offer great rewards, spending breakdowns, and also more importantly much better protection. If there’s fraud with my card it’s the CC company’s money, it’s a pain if it’s debit cause that’s MY money… and there’s no way I’m carrying around straight cash.
I'm so white.
Anthony: We're welcoming these three sisters today. Tell us how you met.
Me: Ummm, you just said they're sisters...at home?
😆
I'm so impressed with AO. I'm following the Ramsey method for 3 years but I get backlash from my circle of friends because they don't like Dave because of his religious and political views, which has nothing to do with finance! It's refreshing to have a different messenger who is more aligned with our values in our generation!
VCU Rams in the house!! I'm watching this and I'm like they could be my home girls. Maybe it's the VCU in me. Good episode.
Thanks for watching.
VCU represent!! 03 album myself. Yo AO you need to come to RVA ( Richmond VA)