"No More Middle Class, Inflation Destroyed Everyone..." Why I Don't Pay Attention To Broke People

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  • Опубликовано: 11 сен 2024
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    #antondaniels #broke #quityourjob #inflation

Комментарии • 160

  • @terryGrindz_69
    @terryGrindz_69 2 месяца назад +65

    U will never have enough money. They gone keep moving the goal post. ✌🏾

    • @vaughnvdg
      @vaughnvdg 2 месяца назад +7

      The people who advertise the LUSH LIFE are the ones moving the goal posts……I never paid them any mind…

  • @haywood4299
    @haywood4299 2 месяца назад +32

    I don't spend any time worrying about what someone else has or even how they got it. I'm focused on myself and my own situation.

    • @jamesanderson3913
      @jamesanderson3913 2 месяца назад +2

      Facts bro! 👌

    • @willieaustin898
      @willieaustin898 2 месяца назад +3

      You are very smart

    • @jasonweishaupt1828
      @jasonweishaupt1828 2 месяца назад +1

      The problem is women and Blacks can’t keep their noses out of other people’s wallets.

  • @brothamillz4203
    @brothamillz4203 2 месяца назад +68

    AD is the truth; debt is destroying my finances… I’m surrounded by bad choices and people that have an interest in not being happy for anything that comes my way to the point they act on it but what can I do?… just gotta keep trying…. I can’t just give up lol

    • @WizardCampbell
      @WizardCampbell 2 месяца назад +16

      This coming from a young 🥷 but if the debt too crazy file bankruptcy and start over. Long as you have a decent income you good. Rich YT ppl do it all the time when they don’t wanna pay someone 🤷🏾‍♂️. Ian playing fair no more im doing what the winning side does.

    • @erikhopkins9488
      @erikhopkins9488 2 месяца назад

      what's your DTI?

    • @penterprise2481
      @penterprise2481 2 месяца назад +1

      Not try. DO.

    • @skyndgo.
      @skyndgo. 2 месяца назад

      @@WizardCampbellI heard of this yesterday, definitely gotta do my reading on this

    • @dennisclarke6456
      @dennisclarke6456 2 месяца назад +3

      Millionaires and Billionaires file bankruptcy all the time.. start fresh especially if you got income coming in… I did it last year.. cleared my debt and was able to rebuild my credit IMMEDIATELY within a few months.. learn from the mistakes and do things the right way after

  • @wellwait4197
    @wellwait4197 2 месяца назад +13

    I cannot even count the amount of people that told me it was a mistake sacrificing buying a house so young. All I heard was “girl, live your life”, “ you’re only young once”, “ there’s plenty of time for that later”. BUT now, they’re the ones whom can’t afford rent, the car note or even other living expenses during this inflation. AND everyone of them has their hands out, since they don’t have a nickel and spent every cent they made during their 20’s. Please listen to Anton and don’t listen to the people that don’t have your best interests in mind.

    • @thelittletons4507
      @thelittletons4507 2 месяца назад +1

      Agreed! All of those people who tell you: "you only have one life", never think about the question: "what if you DO live?"

  • @Thadopeera
    @Thadopeera 2 месяца назад +62

    I don’t care about anything but assets, bills and titles. Having ownership. What you own is what you’re worth..

    • @robertthompson4224
      @robertthompson4224 2 месяца назад +4

      That part!!! 🫶🏾🙌🏿

    • @JUDALATION
      @JUDALATION 2 месяца назад

      what about family? health? faith legacy? or watching out for the next generation?

    • @Thadopeera
      @Thadopeera 2 месяца назад +1

      @@JUDALATION I’ve leaned that you create your own legacy and you do that by eliminating anyone that’s stands against you including family members. Heath is something you also have to achieve on your own. I’m in my 40s but you would never know that by looking at me 💯 I don’t drink, smoke/drugs, or eat unclean foods. Once GOD wakes you up in the morning YOU MUST DO THE REST 💯🙏🏾

    • @nicholaspetitt
      @nicholaspetitt 2 месяца назад

      @@JUDALATION How else are you going to watch out for the next generation by providing them with a stable live in the present? You realize that if you're not stable, you cannot look out for anyone else, right? If you can't pay your own bills + save money you're in no business to have a family or watch out for the next generation.

  • @mr.c7312
    @mr.c7312 2 месяца назад +24

    This inflation is obliterating the small business class. The mom and pop shops, the landlords.

    • @adriengadson3544
      @adriengadson3544 2 месяца назад +3

      It sure is also the big Corporations like Amazon and others don't pay the same for merchandise. Then the small business and mom and pops can't get the stuff or the price is too high. Ruined all the way around.

    • @mr.c7312
      @mr.c7312 2 месяца назад

      @@adriengadson3544 facts, they want us to own nothing and feed on us at the same time.

  • @sanchoelmatador
    @sanchoelmatador 2 месяца назад +7

    Agreed. Stay out of debt, be frugal, save and invest your money. Don't worry about other people.
    There is nothing like being financially free. 🙌🏿

  • @bcusaaus4749
    @bcusaaus4749 2 месяца назад +19

    So bloody true!! Some of mine friends absolutely Hate that I have become a dividend investor and not spending money on crap like I use to. I’m not like them anymore therefore I say “bye Felicia “

  • @travisallen8158
    @travisallen8158 2 месяца назад +18

    I tried to tell my home boy about the raise would be voided with inflation.

    • @lvmsoundwave2923
      @lvmsoundwave2923 2 месяца назад +1

      Right, there should be 2 raises….your regular yearly increase (6mth or whatever your company does) & a yearly cost of living increase.

  • @jusdesireable3224
    @jusdesireable3224 2 месяца назад +4

    Its not just in the US, the middle class as a society was been gone, at least the last 10-20 years. Its literally the ones that can get by, and those who can't. That's literally it.

  • @TonySmooth678
    @TonySmooth678 2 месяца назад +9

    You are Responsible for Yourself, for Anything. Period

  • @GothBatty
    @GothBatty 2 месяца назад +27

    I finally climbed up the tech companies corporate ladder with no degree and made $137k in 2022 felt like $60k. 😮‍💨👩🏻‍💻

    • @emmaabumere2870
      @emmaabumere2870 2 месяца назад +6

      With that money, you are super rich elsewhere.

    • @dennisclarke6456
      @dennisclarke6456 2 месяца назад

      @@emmaabumere2870especially if you can work remotely

  • @hc7786
    @hc7786 2 месяца назад +20

    I’ve been saying this for a while now. Ain’t no more middle class. It’s rich or poor that’s it. Live frugal people,

    • @vernonpaigejr.1517
      @vernonpaigejr.1517 2 месяца назад +3

      Cuz if you're in the middle you still too close to being poor.

    • @hc7786
      @hc7786 2 месяца назад

      @@vernonpaigejr.1517 yep .

  • @FrugalFa
    @FrugalFa 2 месяца назад +24

    I love the on the street videos AD be preachin in these vids. Plus it always makes me want to come visit Detroit it looks beautiful

  • @cmeinmy50s
    @cmeinmy50s 2 месяца назад +5

    I must admit that the Pandemic changed my life for the better. The solitude made me transition and I downsized my lifestyle because my instincts seen these days coming, so I made some major moves. The middle-class misery movement was a way society sugarcoated and tried to make people feel better about not calling themselves poor. Catering to people Feelings is a corporation in itself . I learned that in 2020

  • @DLWman0322
    @DLWman0322 2 месяца назад +64

    $120k is the new $75k 😢

    • @orlandovelastegui1391
      @orlandovelastegui1391 2 месяца назад +7

      Doesn’t matter how much you make !! It’s how much you save.!if make 75,000 a years and save 20,000 a year that’s 100,000 a year. I know people that make 150,000 a year and have almost no saving while I make 75,000 a year and I have 65,000 a year. Plus I still have a brand New Toyota Venza SUV I put 25,000 down payment and I only owe 18,000 and my car is brand new !!!! Stop listening to people around you their you worst enemies!!!

    • @Xiaolong400
      @Xiaolong400 2 месяца назад

      @@orlandovelastegui139175,000 a year after taxes depending on your state is about 30,000-40,000 after taxes. Nobody is saving 20,000 a year off of that.

    • @IrisP989
      @IrisP989 2 месяца назад

      @@orlandovelastegui1391 What is the interest rate on your car?

    • @xxsyrocxx2570
      @xxsyrocxx2570 2 месяца назад

      @IrisP989 I bet it’s between 6-8

    • @IrisP989
      @IrisP989 2 месяца назад

      @@xxsyrocxx2570 If it is then it is too high. I guess that we got lucky with our 2.49% several years ago.

  • @jasonweishaupt1828
    @jasonweishaupt1828 2 месяца назад +3

    What inflation? lol We just signed the brat up for private school at 10k a year. Life is good!

  • @FrugalFa
    @FrugalFa 2 месяца назад +18

    Yo AD to your point @ 9:20 I just read a stat that $50,000 in the year 2000 equates to $91,000 today. So you'd need to make 91k today to live the same life you only needed 50k for in 2000. Wild

    • @lvmsoundwave2923
      @lvmsoundwave2923 2 месяца назад +2

      It’s true 🤦🏾‍♂️ . Inflation is so rampant. The apt complex I live in….just in 2020 the 2bdr units were starting at $1600/mth. Now when I go on the website to pay the rent, 2bdr units start at $2700/mth. Went up over $1000 in 3 years. Your salary would have had to increase by $13,000 in those 3-4 years to keep up with the inflation. Smh

  • @DJ-ll9hv
    @DJ-ll9hv 2 месяца назад +11

    The middle class is not over. People just need to learn how to get rid of debt. Ima show y’all. God didn’t create us to be in debt as when you’re in debt you’re a slave

    • @michaelwillis5814
      @michaelwillis5814 2 месяца назад

      Exactly ty

    • @michaelwillis5814
      @michaelwillis5814 2 месяца назад

      People just don't want to be discipline with what they have n thts the problem

    • @Ghostisback24444
      @Ghostisback24444 2 месяца назад +1

      God also created is to Live not slave some would happen if….

    • @qamyahsharalha2630
      @qamyahsharalha2630 2 месяца назад

      I know you meant good with this comment but the truth is the government is getting rid of middle class everything I’m America is finished

    • @DJ-ll9hv
      @DJ-ll9hv 2 месяца назад +1

      @@qamyahsharalha2630 the government can’t get rid of it if the people step in. No mortgage, no credit cards, no student loans, no car notes and we back on track. The only difference between middle class and wealthy is they have assets to leverage while middle class doesn’t.

  • @Dr.GD4
    @Dr.GD4 2 месяца назад +5

    Now I understand why my parents pushed me so hard in school to achieve greatness. Without the grades, I wouldn’t be in the position I am in today. My career will allow me to earn well and live comfortably.

  • @stephenterry6993
    @stephenterry6993 2 месяца назад +6

    It's called working poor

  • @lapenskinyc
    @lapenskinyc 2 месяца назад +1

    You are exactly right there is no more middle class, especially after this new influx of inflation. 💯

  • @datboywil44
    @datboywil44 2 месяца назад +6

    So what if you got an inheritance from your parents! Parents should leave something for their kids.

    • @vmbay2212
      @vmbay2212 2 месяца назад

      If they want to…

  • @mr.c7312
    @mr.c7312 2 месяца назад +12

    It's been over for middle class since 2012. Unless you got the drop on bitcoin.

  • @breannajones2161
    @breannajones2161 2 месяца назад +1

    This man preaching ! Love or not it’s the truth! Get motivated and change your life for the better.

  • @jbway86
    @jbway86 2 месяца назад +3

    Glad I don't have any kids. Guess it's just gone be like that for as long as I'm here, no kids.

    • @dukz-gw1gg
      @dukz-gw1gg 2 месяца назад +2

      Yea I don't know how people do it

    • @jbway86
      @jbway86 2 месяца назад

      @dukz-gw1gg do what? Not have kids? Easy! Pull out and /or always protection (even pull out with protection on).

  • @Zoloft77
    @Zoloft77 2 месяца назад +5

    Anton's talking points sound similar for companies should be taking when confronted with DEI and that elusive modern audience the very same companies claim to be chasing their money.

  • @jmine1991
    @jmine1991 2 месяца назад +1

    Facts all facts big bruh.. I’m going through this with my family, and I careless.

  • @khelbeyarnoldjr5440
    @khelbeyarnoldjr5440 2 месяца назад +3

    Appreciate you AD bro

  • @ericrobinson1789
    @ericrobinson1789 2 месяца назад +4

    Some good talking points here.

  • @jknoccafella3185
    @jknoccafella3185 2 месяца назад +5

    I needed to hear this 💯 Thanks Anton👑

  • @apollobell105
    @apollobell105 2 месяца назад +1

    All facts AD 💪🏽💪🏽💪🏽….continue to keep dropping 💎 my guy.

  • @Juggernaut2k12
    @Juggernaut2k12 2 месяца назад +8

    Based off your logic we all need to be rich and that’s not the answer. That would only make things more expensive because of the excessive spending. Look at some of the countries in Europe for example. Government monetary and fiscal policy is what needs to be adjusted. Most society’s have sets of class.

    • @estcverbalmarketing
      @estcverbalmarketing 2 месяца назад +1

      You Sound Weak, Just Unfollow With Your "Logic"

    • @Ghostisback24444
      @Ghostisback24444 2 месяца назад +1

      Exactly I don’t think people get it why do we have to slave to live when we were made to live

  • @JamesASharp
    @JamesASharp 2 месяца назад +3

    Happy Father's Day Mr. Daniels! 🫡🫡

  • @DallasJack1
    @DallasJack1 2 месяца назад +7

    Anton street vlog???!! Oh man!

  • @b14m23
    @b14m23 2 месяца назад +22

    We are due for a major recession. It's been so long since the last one everyone thinks they can manifest being rich and a 9/5 is lazy. Everything goes in cycles.

    • @MasterOssy
      @MasterOssy 2 месяца назад +4

      Were already in a reccession....months ago. Were also in stagflation.....can't announce that during election year.

    • @sczr1186
      @sczr1186 2 месяца назад +5

      News flash. Weve been in a recession for a while now. The govt just changed the definition.

    • @kevinrobinson630
      @kevinrobinson630 2 месяца назад +1

      Glad to see there are others that recognize this as well

    • @djangomarine6658
      @djangomarine6658 2 месяца назад +4

      You can get rich off of a 9-5, but you need to invest for a long time. There are plenty of 401k /mom&pop landlord millionaires.

    • @qamyahsharalha2630
      @qamyahsharalha2630 2 месяца назад

      @@djangomarine6658cash is going away none of this will matter in the end

  • @thelittletons4507
    @thelittletons4507 2 месяца назад

    As usual brother. Amen. Please continue to speak the truth in love. God bless

  • @keltonhouser2883
    @keltonhouser2883 2 месяца назад

    Correction my boy the first one hundred thousand is the hardest. It compound from there. Making a million is easier than making the first hundred thousand. Great video brother. I learned your advice late, but hearing you say this in a video gave me more motivation that i didnt think i needed anymore. Salue.

  • @TryRickPayton
    @TryRickPayton 2 месяца назад +1

    Me too Anton a lot of folks wanted me to fall

  • @novadhd
    @novadhd 2 месяца назад

    The middle class is very big. Huge difference between lower middle to upper middle as far as wealth.

  • @saonedixon5476
    @saonedixon5476 2 месяца назад +3

    Great discussion and podcast today brother Anton 💪💯

  • @aminataseck3254
    @aminataseck3254 2 месяца назад

    Thank you

  • @niceguy5632
    @niceguy5632 2 месяца назад +4

    We haven't seen you at Penny Reds in a while bro 😂

  • @jaethezoe
    @jaethezoe 2 месяца назад +1

    The Marathon Continues 💯

  • @eugenewilliams8440
    @eugenewilliams8440 2 месяца назад

    Amen , brother Anton 😊

  • @ltraingalaxy122
    @ltraingalaxy122 2 месяца назад +3

    well , if a man must still work , he must still be middle class . contractor, youtube and investor sounds like three jobs to me . wife works for two companies and its nothing wrong with it . its a good blueprint for success however he and she must still work . middle class life is working class ok , rich is really the none working class that have money off of inheritance etc , generational wealth that is 50-100 years in the working

  • @Historicallybuilt
    @Historicallybuilt 2 месяца назад +1

    Good message!
    Takes time to play Chess…
    you will need the equivalent
    Of 10K hours of apprenticeship
    To master becoming a expert on
    What you are doing! Choose what
    You spend your valuable time on
    wisely!
    Hold it down & Sacrifice…
    People don’t have a revenue
    problem they have a spending
    Problem… spend less on things
    You don’t need…

  • @AbundanceRun
    @AbundanceRun 2 месяца назад

    Good message! 🙏🏾

  • @user-nf7nu3bl6q
    @user-nf7nu3bl6q 2 месяца назад

    If excuses was a major in college. 😊
    Stop talking to cowards and people that don't believe in themselves. Tell them nothing about the steps you're taking to improve your life.
    "This can't work because..."

  • @TAEMAN197
    @TAEMAN197 2 месяца назад +9

    Anton about to be considered middle class once this hyperinflation hit lol

    • @MasterOssy
      @MasterOssy 2 месяца назад

      Nah, he'll be broke as with everyone else when that comes. He better have some "trustworthy" friends if he can protect his assets.

  • @user-nf7nu3bl6q
    @user-nf7nu3bl6q 2 месяца назад

    David Goggins
    Eric Thomas
    No excuses
    Dave Pena

  • @Infinitesourcemanagement
    @Infinitesourcemanagement 2 месяца назад

    Walking in god Dominion will put everything in your hands! God is using Anton most definitely!

  • @shermanbray8537
    @shermanbray8537 2 месяца назад +2

    Preach brother!!!! Let the congregation say amen, pastor Anton! 😆 smh. R.I.P. to the middle class.

  • @thinkfreely5178
    @thinkfreely5178 2 месяца назад +1

    💯💯💯💯

  • @GothBatty
    @GothBatty 2 месяца назад +3

    There was so much background sound and you were yelling. Please help my ears. 😊 Do we need to get you a mic attachment? 🤳🏻📱

  • @Imjusttryingtotellu
    @Imjusttryingtotellu 2 месяца назад +1

    I don’t understand, if you’re in a relationship $125k isn’t that hard to hit - it’s not like an unattainable number.
    Why the scare tactics?

    • @lvmsoundwave2923
      @lvmsoundwave2923 2 месяца назад +1

      Not exactly because that would have to take care of 2 grown adults & of you have kids. For example….mom, dad, and 2 kids get dinner from McDonald’s and spend $35-$40. Even without kids, food is way more expensive, 2 car notes, car insurance for 2 has gotten more expensive for now reason over the last few years. That $125k will get stretched real thin real quick.

    • @Imjusttryingtotellu
      @Imjusttryingtotellu 2 месяца назад +3

      @@lvmsoundwave2923 You shouldn’t ever be buying McDonalds lol
      Just have 1 car and build until you hit another milestone stone, then add a kid - build a little bit then add another car.
      Y’all are trying to do too much at once, that’s the issue.
      If you take your time and hit each step and let your wealth grow little by little you’ll be fine.
      $125k is enough money for a young couple in most states.

  • @noneedtosay7553
    @noneedtosay7553 2 месяца назад

    You really don't own anything unless you possess a title or deed. Middle class has gone broke trying to prove they are not broke.

  • @IrisP989
    @IrisP989 2 месяца назад +17

    So there is no upper middle class anymore?.. That’s still middle class.

    • @user-fs9yv4hl5f
      @user-fs9yv4hl5f 2 месяца назад +7

      Your statement is true. But after the middle class is completely destroyed…guess who is next ? Better “step up your game” and become rich. Or, suffer the consequences…

    • @GeosRealityReport
      @GeosRealityReport 2 месяца назад

      @@user-fs9yv4hl5fexactly

    • @IrisP989
      @IrisP989 2 месяца назад

      @@user-fs9yv4hl5f Let me know if you have the perfect formula for those that live in a high cost of living area in an expensive state with kids (moving is not an option).

    • @ericvonjeffeson2640
      @ericvonjeffeson2640 2 месяца назад

      Everybody can’t be rich 😂

    • @IrisP989
      @IrisP989 2 месяца назад

      @@ericvonjeffeson2640 That's true but the upper middle class still exists.

  • @felisafisher520
    @felisafisher520 2 месяца назад

    I’m searching for my tribe.

  • @maloishwilson
    @maloishwilson 2 месяца назад

    Dear Mr Daniels, I have a question. I know I'm just a; poor, broke, old, ugly, black, man. With all that said, can you or any rich Black Republican, tell me why would I vote for Byron, Donald's, or Trump, after what they have said and showed everybody in the past two weeks, who they are. Why should I vote for a guy, who hang around people, who speaks against Dr King? What policy has trump, showed me or anyone like me to vote for?

    • @robertamcfarland3459
      @robertamcfarland3459 2 месяца назад

      Thats something him and the both siders will never answer

  • @ronblauvelt7457
    @ronblauvelt7457 2 месяца назад

    Can’t live off debt and you won’t get rich off sweat. The rich get rich by leveraging others time to make them money

  • @mikeclarkthefinanceguy9680
    @mikeclarkthefinanceguy9680 2 месяца назад

    Preach

  • @PrestonMcCulloughJr.
    @PrestonMcCulloughJr. 2 месяца назад

    🔥🔥

  • @williecalvin8364
    @williecalvin8364 2 месяца назад +1

    Bro do you ever have any good news besides something personal

  • @MoneyGreen
    @MoneyGreen 2 месяца назад +2

    Why would anyone support this guy? Seems like he talks down on people for being broke.

  • @layparisss
    @layparisss 2 месяца назад +2

    We need a AD STREET VLOG CHANNEL

  • @MasterOssy
    @MasterOssy 2 месяца назад +6

    I dont' pay attention to broke ppl, but I need broke people to fund my way of living. The F out of here. The "successful" ones need "broke" ppl as "broke" ppl need "successful" ones.

  • @Creoles.nature
    @Creoles.nature 2 месяца назад

    😮

  • @noahsjourney626
    @noahsjourney626 2 месяца назад

    💯💯💯💯💯💯

  • @shaund9790
    @shaund9790 2 месяца назад +2

    It’s something about this dude I don’t like.

  • @skywalker4789
    @skywalker4789 2 месяца назад

    Hey great content, I’m a big fan.
    Do you walk with a limp ?

  • @ernestoward2600
    @ernestoward2600 2 месяца назад

    I stand alone.So called friends be in the way.

  • @JUDALATION
    @JUDALATION 2 месяца назад

    True wealth is being able to invest in the next generation...

  • @fredrickg2
    @fredrickg2 2 месяца назад +1

    🔥🔥🔥🔥🔥🔥🔥🔥🔥

  • @ramonedetroitguam6075
    @ramonedetroitguam6075 2 месяца назад

    I disagree with you about there is no middle class Lords and masters where the middle class in ancient days and today they still exist Kings and peasants were the ultra-rich and the poor and they still exist....

  • @freshmall5338
    @freshmall5338 2 месяца назад

    ✍️🏾👍🏾🫡

  • @chillhard430
    @chillhard430 2 месяца назад +3

    Inflation is so bad he can only afford $400 sunglasses and 3 Porsches..........Send Anton some money people, he hurting.

  • @theboss6900
    @theboss6900 2 месяца назад +2

    You still are going to die whether you are rich or poor. I choose to be minimalist and happy and watch everyone chase the bullshit American dream and accumulate a bunch of assets. Here is the reality when you are on your death bed nothing goes with you and I would rather have the memories then stuff. If you die broke poor and own nothing so what your are still dead. I choose the minimalist way of life and find my pleasure on daily happiness and my advice is to not listen to any of these paper chasers and focus on what makes you happy and keep it simple. There are still plenty of places to live that is affordable and things to do that is rewarding and pays the bills. Remember Jesus will never leave you and this life is only temporary. Think of the much bigger picture.

  • @djwhoodat2011
    @djwhoodat2011 2 месяца назад +2

    Whats success a fake piece of paper lol..

  • @yourfriendlyneighborhoodic128
    @yourfriendlyneighborhoodic128 2 месяца назад +2

    over 70% of the nation makes $100k pre taxable income

    • @nessdagoat
      @nessdagoat 2 месяца назад +16

      ABSOLUTELY FALSE

    • @ReapZer027
      @ReapZer027 2 месяца назад +8

      Lol maybe in your head.

    • @Saxology219
      @Saxology219 2 месяца назад +5

      Thats DEFINITELY NOT TRUE! IDK WHERE YOU GET YOUR INFO FROM! 🤦🏽🤦🏽🤦🏽🤦🏽

    • @lvmsoundwave2923
      @lvmsoundwave2923 2 месяца назад +1

      Fake news! 😂 completely wrong in every way. You might as well delete this comment.

    • @Ghostisback24444
      @Ghostisback24444 2 месяца назад

      Huh

  • @prettysteeve47
    @prettysteeve47 2 месяца назад +1

    You certainly will never get a coaching call from me for poor money management or debt problems from me because I have been studying personal finance & accouning before you were born and even using discipline & personal financial software before you were born and even owned a computer before you were born. Alot of financial lessons were also learned before you were born. I certainly do not need to wear a Rolex watch or even drive a luxury car like most black people who have money to flaunt my wealth because True millionaires know that Wealth is invisible.