"How To Find Financial Freedom " - Jay Morrison

[@madanticsphotography]

I have to say thanks to Jay for his informative videos. I first watched his video in Feb 2014 and, after the third video, I told my youngest son that I was going to fix my credit and buy my first house in 2016. I was able to get my first secure credit card and since then have gotten a lot more regular cards. My credit score jumped from 579 to where it is now at 749 and, I'm getting ready to close on my 1st home. thanks Jay.

[@jblanc2714]

I want to improve my credit too!
How many secured credit cards did you get per year?

[@davidsanchez7577]

+J Blanc As a Banker I advise you to stay limited to no more than 3 credit cards i.e. secured or unsecured.

[@joshuawhite7639]

why stay limited to no more than 3 credit cards would it be wise to get as many as you can and try to build higher credit limits with each card?

[@davidsanchez7577]

*****​ I agree w/ you when you mentioned about "time frames." As far as the amount of credit cards you have being irrelevant; if we're speaking facts and not subjectively, that is false. Credit card utilization is highly influential to your score. The more credit card accounts you have, the higher your total available credit limit will be, giving your balances more room to breathe e.g. Having different types of accounts generally shows that more lenders believe in your ability to repay debt. Boasting a variety of account types on your report can also establish that you have a positive track record of responsible credit behavior.
I however, am liquid. I hardly use my credit cards considering my decent score is a direct coorelation to my debt-to-income ratio i.e. cars and real estate.
Now that we're learning from eachother, let's continue on this lesson. *****​ What's your take on having credit cards, with 0 balances. How does this directly influence your credit i.e. is this beneficial/harmful etc.

[@angeleyes3319]

+joshua white More than 3 hard hits per year will drop your credit score so you have to pace them out

[@carolhughes787]

This guy is going to make me a millionaire

[@fields1336]

Time to rethink that 😂😂😂😂

[@jeremyscorpio4170]

i held a job for 3 years and never got a credit card, once i put a bill in my name i got one in less than a week lmfao! i feel bad because i wasted 3 years when i could have built my credit. anyways a simpler version is teaching people how to repair/build their credit and then starting any work at home business to claim the tax benefits/write offs and eventually build business credit 👌 once your all set up you can lease the range rover under the companys name or use it as a down payment on a multi fam property or start/expand a new business.

[@350Gizzle]

Woa! Mind blowing. I wish I woulda cop this knowledge right outta high school!

[@davymorales3912]

Please do not give up your Hope!!!
He is giving you the truth and with truth is responsibility
What ever you dream there must be tremendous EFFORT...WORK
the secret of this whole thing called wealth is
The ability to solve problems for others will enhance you tremendously
Jay is solving the problem of shelter for all... thus his rewards are multiplied
Brothers continue to pray and find out what problem you can solve for another
and work at it and you will be rewarded tremendously!!!
The bottom line is finding a solution for someone who will reward you!!!!
Solve the Problem!!!!!

[@bryanrounds]

True freedom is only found among the powerful. And the power is but found among the many. We can only become the many if we (all) united. The most simple and basic place to start is with language. That alone will unite us. We must choose one language to speak among African-Americans and African

[@chebess2720]

I watch some of this brothers videos on how to build your credit.
I must say that it really worked for me and the steps were really simple.
I think i will try his real estate class next.

[@SunfireSol]

Thank you for your wisdom, willingness to share and self- empowerment.

[@amandalucas8661]

I love you! You've got yourself a new subscriber!

[@BillionaireBelief]

Another excellent video Jay. I believe it's important to SHOW and tell, and you do a great job of showing. Keep rockin it g!

[@THEREALESTATEHUSTLER]

Thank you Jay

[@sublimeprincebw]

This is great information! Keep doing your thing Jay. I am on my way to financial freedom thanks to Jay! Practical Knowledge, Practical application.

[@wendylovejoy218]

Very informative I love the Yellow Letter mention and all the information you share is so ON POINT! Thanks Jay Morrison

[@hopeclosers5179]

Jay, your knowledge on real estate investing is encouraging and insightful. Thank you!

[@1TymeDaGreat]

100% pure inspiration (blueprint) Bro.. Neva thought about in that manner.. Dope..!!

[@PEACHESMARSHALL]

THANKS AGAIN MR. JAY! I TOOK NOTES LIKE CRAZY AND HAD TO REWIND SEVERAL TIMES TO GET UNDERSTANDING :-) WHICH IS A GOOD THING!
I FIND IT'S THE WAY I LEARN BEST!
THANK YOU AGAIN FOR THE VIDEO (HOW TO FIND FINANCIAL FREEDOM),
ARETTEA MARSHALL!

[@TheGrowingDad]

I see the vision! Time to execute it

[@mariopfl]

good info my brotha!...I've started my real estate portfolio now it's time to expand into other avenues.

[@moderngladiators7983]

Jay.... Awesome, Awesome work that you're doing King!! I really appreciate the content that you've provided to us on wealth building. As we all know it's well needed and long over due. One thing I would strongly advise is that you recommend life insurance as a part of your wealth building strategy. Much respect my brother!! Keep doing your thing.........

[@helpugrowcollectiveorganic2823]

.. I love this knowledge she got the best knowledge you got to keep listening and Jay Morrison

[@geestabey]

Insightful information , Respect @Jay Morrison . I like the concept of Working backwards! Preparation, knowledge, action and achievement! Peace

[@davec7168]

I never knew any of this. I come from a background very simular. this is a real good look.

[@wellnessence6420]

Thank you, I appreciate you spreading your knowledge from your experiences so other can go out and get it just like you did! I do have a question, though, why do you suggest leasing a car rather than buying it out right?

[@DariusBaileyATL]

K. Alexandria Jervis automobiles have no value. They lose substantial value the moment it leaves the lot. Under a lease, you pay for the use of the auto which allows flexibility to upgrade, which stats show most of us do.

[@wellnessence6420]

Thank you both for your insightful responses. If I'm understanding this correctly, by paying for the mileage/usage of a vehicle, I get the full benefits of having a vehicle PLUS I can upgrade as a bonus. Sounds great to me! I'll be looking forward to leasing a car (or two) soon! Does this option effect your credit differently than purchasing a vehicle?

[@DariusBaileyATL]

K. Alexandria Jervis typically, obtaining a lease requires a stronger credit profile. However, once you hold a lease, the lessor usually reports your account the same way as a creditor would. Hope this helps. Visit my channel when feasible.

[@TheLuxurybrown]

i love you! im not even sure how i stumbled on to your channel but im soooo happy i did! im in Seattle ( not too many black people here) lots of business opportunities however. i have wanted to get into real estate investing for a long time but my credit is TRASHED i made a lot of mistakes when i was younger i didn't really know how valuable my credit was until i got older. now i feel my only way out is bankruptcy. do you have any advice for people with bad credit? or what to do post bankruptcy?

[@keitonblanding9249]

Out here in Seattle too. It's time to own some ish. Started a biz myself. And working that 9to5 plantation life.. Not a lot of blacks here lol me n my girl go white ppl watching sometimes lmao but start a business it doesn't have to be no million dollar biz jus more money than before the sale. It's 29 dollas on the wa state website

[@lawearsmith9851]

Thank you
Cash flow
Multiple streams of income 😁

[@GCODEGFB]

This guy saving lives. I only wish I had the $$$$$$ myself to do all this!

[@BianicEpicVideos]

Beautiful ending

[@adrianrice6396]

🔥🔥

[@hostwiththemostMARIA]

Jay thank you!

[@geroddurden7497]

Another great video Jay!

[@jonathanbush3334]

Good content still learning in 2019. Bless up.

[@skyaguilar]

you're amazing! thank you.

[@coraleeculbreath1246]

Great video do you know how a person could utilized their 401k money to get the down payment that they need to commercial real estate investing without giving them a big chunk of the money for taking out the money early?

[@jessicalynnparker1367]

I SAW YOU & YOUR WIFE ON SISTER CIRCLE, THANK YOU FOR THE INFORMATION.

[@gpenny2163]

Great vid I'm learning!

[@TheMrvalueinvestor]

i think he has income coming from all the areas hes talking about in this video, which is a good thing

[@hits128]

Great information.

[@ericjohnson8915]

Excellent information....

[@mac1bc]

talk about fancy living right there! everyone driving range rovers lol!

[@AverageOnes88]

What jay is saying sounds good and all but i don't he's talking to the people like me who are living check to check working 9 to 5 transitioning to making 20k a month. I mean he transition into that arena already having money from the dope game. What about us trying come into this with nothing trying to avoid debt of loans to do this?

[@TeamAfrikaMemphis]

Actually, we are the exact people he is talking about. You have to figure out how much you need for the lifestyle you want to live THEN you come up with a plan to get that money coming in residually.

[@tyquannawalker373]

I brought my first house at 30 when I was making $35K for $65K in Philadelphia, PA. FHA loan with the home for the holidays program $100 down and closing fees $10K. Dream big, talk to people with experience about your dream, and set goals every year, month, week. Save $25 per week and pay your bills on time. Save your income tax refund money and don't waste money for 1 year. It is possible just start something.

[@AverageOnes88]

Tyquanna Walker thank you for that encouragement and valuable info

[@tyquannawalker373]

AverageOnes88 no problem and I'm trying to invest again because the job market is not getting any better.

[@ashleyhawkins1993]

AverageOnes88 yea that's my same problem, how can I invest with no money

[@generalchinedu7862]

great information

[@themovemakers247]

Bars

[@BlackMenTakingOurCommunityBack]

Good stuff

[@504killakaigne504]

The New Orleans s/o is my fav part lol probably why I'll be broke still

[@Mr.B.man.]

Question? It says that you can only have 1 fha loan out at a time if you want more than 1 then the first one needs to be paid off....also you say repeat at the end what do you do keep applying for fha loans???

[@ColbyB23]

you can if you go from a four to a 1

[@enigma6451]

B.Unique I had the same question too. you can only qualify for fha AGAIN IF & only if you've paid off your first loan. if you want to buy another property you will have to come up with 20% vs. fha 3.5%. but that shouldn't be hard.

[@jorgesoto461]

.
v1

[@greggorymccarthy672]

My bro you are God Sent, I need to get in contact with you and your programs

[@tocalegacy8206]

Thank you for the video and information. But you need a better cameraman brother

[@Versusvibe]

💯

[@vanessahernandez5802]

#yourecrazy thanks for the info!

[@Freddy1992100]

how do you access the Wealth dna kit on your website?

[@iknowstuf]

+JayMrRealEstate, is there a way to get my hands on a Wealth DNA Kit still?

[@DGotta707]

Wassup wit a mobile app brah

[@BrownSugarQueen22]

what about the people who make only 50.000 a year

[@markeedjordan8746]

i love this man no homo lol....

[@jordanbrilliant]

Jay hit me up personally, I would like to connect with you

[@Big-cg3bw]

Hip Hop to Homeowners Part 2 coming soon?

[@Breezy.Universe]

This all sounds GREAT for people with lots of money... but tell me how to get to something with nothing. The subject title is slightly misleading. Still love the information... It's not useful to me now, but maybe one day

[@TheMrvalueinvestor]

never put all your eggs in one basket, im not sure if jay has all his wealth in real estate i hope not

[@DariusBaileyATL]

julius johnson put your eggs in the basket that works. Assuming that you will lose in a certain basket implies you are not a master of that area of investments, in which case you should not be investing in something you have not researched.

[@TheTrudean]

Too bad you lied to us “king.” You should be ashamed of yourself.