Digital Social Hour - Making $10M at 25, Best Credit Cards and Getting $250K at 0% Interest | Andrew Imbesi #233

Episode Date: January 15, 2024

On today's episode of Digital Social Hour, Andrew Imbesi reveals his favorite banks and credit cards for 0% funding, how he did $50M last year and why he bought a yacht. APPLY TO BE ON THE PODCAST: https://forms.gle/qXvENTeurx7Xn8Ci9 BUSINESS INQUIRIES/SPONSORS: [e-mail] SPONSORS: Opus Pro: https://www.opus.pro/?via=DSH Deposyt Payment Processing: https://www.deposyt.com/seankelly Digital Social Hour works with participants in sponsored media and stays compliant with Federal Communications Commission (FCC) regulations regarding sponsored media. #ad LISTEN ON: Apple Podcasts: https://podcasts.apple.com/us/podcast/digital-social-hour/id1676846015 Spotify: https://open.spotify.com/show/5Jn7LXarRlI8Hc0GtTn759 Sean Kelly Instagram: https://www.instagram.com/seanmikekelly/ Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit podcastchoices.com/adchoices

There's this card that Chase, I think it's the Premier. That's the one that I have. And it's not a 0% card. It's a pay in full card every single month. So I use this for my Google ads. So it's a charge card. Yeah, basically. And usually my Google ads bill is $50,000.

Yeah. Because now we're spending, you know, $15,000, $20,000 a day on YouTube ads. The max that you could get cash back is 2.5% cash back. So every time I spend $500,000, I'm getting $25,000 cash back. Damn. And that's like enough to cover half of one of the bills I get, which is super sweet. Welcome back to the show, guys. I'm your host as always, Sean Kelly.

Got with me an amazing guest today who's going to teach you a lot about funding and credit. Super excited to have you, man. Andrew and Bessie, how's it going? Hey, it's going good. Thanks for having me, Sean. Yeah. So I found you, I think you run ads, right? Facebook ads? I run mostly YouTube ads, but yeah, I've been doing a little bit of Facebook, Instagram, trying to get involved in that. Yeah. Saw an ad. It was like, yo, I can get you 100K in funding. You don't have to do anything. Just have good credit. So can you talk to me about that? Because that's a hell of an offer. Yeah, it is a pretty hell of an offer. But it's pretty much true. I mean, as long as you have a really good credit score, you could access business credit pretty fast. And there are some

banks out there that'll give you $50,000 on a single credit card, $25,000. I personally got $149,000 on a single credit card. I've never personally got a hundred forty nine thousand dollars on a credit card i've never heard of a chase card that high before yeah because case usually caps you at like you know 25 50 right yeah you know it's um it's all about knowing relationship managers right and i have a really good relationship manager the max exposure that they're willing to give you without having any bank statements, without having any tax returns, it's going to be 150,000. So we went and just requested 149. You know, that way we had like the extra 1K. That way it wasn't just like the full request. And yeah, I have a really good relationship manager. I was able to really make something happen with them. And that's also the bank that I use for my business.

I have a little bit of credibility and authority there. I was able to snag that $49,000. They probably saw your balance and were like, all right, you can afford it. Exactly. Going back to having a good credit, when you say good credit, what range would you need to start getting some funding?

Typically at least a 670 but right now um at least until the end of the year it's going to be like low 700s and above so at least a 700 ideally i would like to see like a 720 a 730 yeah which if you're at a 700 it's not too difficult to get you up to like the 720, 730. Because usually when we see that, they just simply have credit card debt or maybe they have one late payment or something like that. And that's not like the end of the world. And that's pretty easy to come back from. So as long as you have like a low 700 score, you could start kind of breaking through to 50,000, but in the mid to high 700s and 800s

is where you could start seeing the 100,000 plus approvals. Nice. And what are the interest rates on this? Oh, well, we're getting people like the 0% offers, which is what's obviously super attractive, especially for someone who's just starting a business or just starting an investment and they want to inject a lot of capital into their business to really get it to scale. And they have enough money to pay the minimum payment, which is typically 1% to 2% of the balance that they have open. Which is nothing. Which is basically nothing.

If you have $100,000 of credit card debt, then you're going to be paying maybe $2,000 a month. That's nothing. Yeah, that's nothing compared to what you could actually do with that $100,000. Right. I feel like people are just starting to find out about this because there's more funding guys popping up on Instagram all the time just telling you, oh, you get 50, $150,000. I get it every day now. Yeah. Every day. Yeah. Same. I get I always see like a new guy. It's always a new guy. It's always a new guy, yeah. But the part that's really interesting is, yeah,

being able to pay 1% to 2% of the balance that you owe. And it gives you a lot of opportunity to really invest in like a mentorship, invest into marketing like Google Ads. Like when I started my business, when I wasn't making any money, I had like $20,000 of available credit. I was able to put that into the business with 0% interest rates. I just got to throw $20,000 in and it spat out $70,000 in the month of March last year. Now we're doing around $1.2, $1.3 a month with the business.

We're spending a lot more on advertising, But I wouldn't have been able to get there if it weren't for having that credit available. Right. That's incredible. So basically, if you have over $700, you can get enough in funding to put a down payment on a house. Yeah, that as well. Yeah, I mean, even besides marketing,

you could buy a bunch of Section 8 properties with credit cards. And there's even ways where you could charge the credit card as a purchase. And then, you know, whoever charges that payment through their payment processor, when that person receives the money in their account, they could wire it back to you and essentially avoid any of those 18%, 20% cash advance fees that you would normally pay to pull cash out of a credit card. And then you also get the cash back bonuses and stuff like that. So basically you kind of wash a liquidation percentage, which is typically like 5%, 6%. I have someone who does it for 6% or 6.5% right now.

But then when you factor in the welcome bonus, right? So you get like a Chase Inc. Unlimited, you get $900 cash back in the first six thousand dollars that you spend like right there you're just you're actually getting money back yeah that's a lot for getting cash for your card 6k i mean yeah yeah you could run some ads or something and not even lose money on the 6k and then get free 900 on top of it yeah yeah yeah and if you know how to manipulate the credit card stuff i mean i've seen people go on their honeymoons all paid for just from credit card signup bonuses for like a month. Yeah, yeah, I've totally seen that too.

I mean, when I got that $149,000 card, now it was very miraculous. Like not many people have, like this is probably like once a year, my relationship manager will see this and I was the one who got it. Yeah, wow. And there's this card, the Chase, I think it's the Premier and i was the one who got it yeah wow and um there's

this card the chase um i think it's the premiere that's the one that i have and it's not a zero percent card um but i pay it's a pay in full card every single month so i use this for my google ads so it's a charge card yeah basically yeah with a credit limit right so 149 000 right so i'll spend it on my google ads and usually my google ads bill is 50 000 yeah because now we're spending you know 15 20 000 a day on youtube ads yeah so you know on 500 000 right a month on youtube ads right that's the max that you could get cash back is two and a half percent cash back so every time i spend 500 000 i'm getting 25 000 cash back. So every time I spend $500,000, I'm getting $25,000 cash back. And that's like enough to cover half of one of the bills I get, which is super sweet. That's incredible. So what

do you think the best business credit cards are? Obviously, that's one of them. Yeah, that's going to be one of them. I mean, that's going to be a really good pay in full card in terms of like zero percent um i would look more toward like the u.s bank offers the umpqua offers like the elan financial offers for the zero percent for 18 months yeah it just depends on like how you want to use the card right if you're going to spend a lot on advertising the american express business gold card is a great card because the first 150 000 you spend on advertising, you're getting four times points. That's 600,000 points.

That's enough for maybe like 10 round trips to Las Vegas from Miami. 600,000, that's $6,000. You figure every round trip is maybe 500 bucks. That's a lot of points right there. I use my points all the time just fly out my team members to miami bro you probably have so many points i have like millions of points at this point i had a million on amex and i spent it so dumb on one vacation yeah yeah i waited last minute so it's super high and i was like why did i do that i could have flown like 20 times yeah

yeah the right place the right right time of the year right the year. The best way to spend points, you think, are on flights? It just depends on what you want to use the points for. I think flights are a great way to use points, but there's also a lot of partnerships that the credit card companies make with different companies. I definitely use my credit card points even as well to buy Christmas presents. I find it a really good idea

in a really good way because they're partnered with all these really nice companies like one year i got my family a bunch of ray-bans right yeah because um i saw that american express was partnered with ray-ban and they're offering like this coupon and it just gives me ideas of how can i buy christmas presents for people there's just just, yeah, there's just, yeah, you know, like instead of just Google searching or chat GBT nowadays, right. You can, um, you could even just scroll through your credit card offers and see what you could get people. Yeah, that's cool. Um, so in terms of like funding, what's the most you've seen someone get in funding? You know, this is a really awesome point that you bring up because when I was like a one man team, I was able to get this one person $228,000.

But in like less than a month on a brand new LLC. This guy just opened it maybe like June 1st and by June 21st, he had $228,000. At 0%? At 0%, which is sweet. That's crazy. That guy had like a higher 700 score. He lived in a really good place. But then what I found really cool was that when I expanded my team

and when I went from three people, including myself, to around 40 people on my team, now I have 10 funding supervisors getting people funding. And just the other week, I heard someone get around $350,000, something like that, all 0%. I think that was also on a brand new business. So I mean, regardless of what the news or people might be saying online about credit being hard to access, we haven't really seen a lot of resistance inside my funding company where we're enrolling 200 people a month and we're able to service all those people obviously because we have a big team and everyone has the process down.

But the only things that we've seen pushback on are just the people who have the higher 600 scores are not people who would necessarily get it right now. But give it to the end of this year. My relationship managers are expecting that sometime early next year is when the restrictions will lighten up again. It makes sense. We're in a borderline recession. They're being a little cautious. Can you just apply for 50 credit cards a day, or is there a system in place that prevents that?

That's a really good question. So each bank is going to like expose like as much as they can to an individual at a certain time. Now that's like the one thing to kind of play with. The way I've seen it is that at first when you're just trying to get into these banks for the first time is they're going to more so evaluate you based on your standing amongst all the other banks. Right. Right.

And that how they do that with your credit score. Right. But then once you get in, they start looking at your relationship specifically with them and they'll start opening up exposure to you as you're making money, as you're developing a relationship with them. Right. So maybe someone gets approved for $10,000 with Chase. Yeah. Right. But then if they give themselves, themselves you know three to six months to develop a relationship they're

gonna look a little bit less at their credit report and more at their good standing with chase right how did how does the customer value their relationship with chase do they use the credit card do they not use the credit card right because if they don't use the credit card why would they feel comfortable exposing more credit to this guy who doesn't use his credit card? Do they not use the credit card? Because if they don't use the credit card, why would they feel comfortable exposing more credit to this guy who doesn't use his credit card? So it's all a little bit of a game. Yeah, you got to figure it out. That makes sense because I got denied for the Wells Fargo credit card at first, but then I opened a banking account with them. Now they're mailing me offers for their credit cards. Yeah, they're more of a relationship bank for sure. And in terms of applying for 50 credit cards at once,

you could apply for maybe... It just depends on how you do it. The typical philosophy is really just going from the stricter places to the least stricter places. Wells Fargo is a strict place. They typically want you to have a relationship with them they want you to have mid to high 700 scores as opposed to some other banks out there um that may look for just like that borderline 700 credit score right

and um those are the ones who will care less about the inquiries we typically do about three to four inquiries per credit bureau yeah in a given time And that will typically get someone like 50 to 150,000 just depending on their score. And if they're engaged in the process, they're doing it the right way. They're implementing the best strategy with each bank, which is super important. Is it better to do the algorithm? Is it better to do a relationship manager? Is it better to just walk in? What's the best way to approach each bank?

Because if you approach the bank the best way each way, then that's what's going to maximize the amount of approvals that you can get. Exactly, and your team knows how to do that. So it's good to go through someone's experience. Because I didn't even know Wells Fargo was strict. If I had known that, I wouldn't have applied and it messed up my credit score. Yeah, exactly. So we've done a lot of the trial and error.

I've done this with thousands of people at this point over the past year and a half. I've done it with a couple dozen before that, before I started my program. But now, obviously doing it every day for people, we're always up to date seeing what's going on. If someone gets a little bit strict, kind of opens up a little bit more so absolutely yeah you got the black card yet no i wish that'd be cool yeah what do you need to do to get the black card gotta

make a lot of money yeah it's based off your income yeah it's gonna be based on your income yeah gotta make a lot of money you gotta spend a lot of money yeah i've heard mixed things so i've heard with the mx business black card i think, got to spend a lot of money. Yeah, I've heard mixed things. So I've heard with the MX Business Black Card, I think you need to spend $250 a month. Yeah. Something like that. Yeah, that's definitely one of the requirements for sure. I haven't looked for an invitation just because, honestly,

the rewards that you get on it, I think it's more of just a flex. For sure. I think I could get a return on investment by investing in one. Yeah, you would definitely. By maybe flashing it on social media, stuff like that. You definitely would, but most people probably wouldn't. Yeah, exactly. You get, I think, one and a half times points on your purchases.

It's not as good as my Chase card that I have. I'm going to use my Chase card every day and I'm just going to flex my black card. What about the Chase Palladium? Do they still make those? No, I haven't heard of that. Okay. Maybe the Premier or the, there's another one. They might've renamed it to Premier. I remember Chase had like a really exclusive invite only card.

Oh really? It might be the Premier, but I'm not sure. Yeah, actually, yeah. I'm actually not 100% sure on that, but now I'm curious. Yeah, you would probably qualify. Yeah, I'll have to ask my relationship manager. So you built a sizable business at 25 years old, doing over $10 million a year. I mean, that's incredible. What was it like scaling that? Was it like a super quick growth? How long have you been running the company?

You know, so I had some really good experience before I started, which I'm really grateful for. I had a friend and a mentor who taught me sales. His name is Dylan Cadullo. And he taught me really a lot about sales. I got to work inside of his business, really understand how an org chart works, different divisions of each company, and how to function with all the other divisions. So I got a really good understanding of that before I started my program, because when I started my program, I had that in mind. So that way I'd be prepared in the future to scale, right? So I had the product, right?

I had the sales, I had the marketing. I kind of had everything laid out, mapped out. And at first, and this is where I started to scale. And I noticed that he would have some trouble scaling in the beginning. And we were both running into the same problem on how to hire people, how to scale, and how to actually delegate work to other people and doing it at a rapid pace. So probably the biggest tip that I could give to someone in terms of just scaling a business how to go from making it just like a one-man operation where you're maybe making fifty

thousand dollars a month um really just maximizing your own work to making it like a eight-figure business is going to be hire a hiring manager show someone um specifically a hiring manager, how to find really good potential candidates for jobs and show them how to look for red flags. Show them what we're looking for. I mean, at the end of the day, really you want people who are coachable, they're willing to learn, they're super committed, and they're really focused on actually doing a good job and contributing to a company. And they at least have some skills to get started. Ideally, they have some skills, right? But it's also good when they don't have a lot of skills because as long as they have good communication,

that's definitely a plus. But there's definitely red flags that you look for. You got to make sure they're not out there to just simply take what you got and go restart it themselves. That's probably common in your space. Oh, yeah. Yeah, you know like

when we get closers for example right like if the closer wants just like a three-month gig and then they want to go start their own thing and maybe it's like a different idea we're just going to turn them down right like even if they're a stud yeah like it's just not worth it because they're not really going to be there for the long term we want guys that are going to ride or die with us right so i was fortunate that my one of my best friends, Paul, who I went to college with, he actually got started with me when I was just building everything out.

He was one of the original three. It was me, my brother Joe, and Paul. And I asked Paul, hey, you have a lot of great admin executive qualities. Would you want to be in charge of this division? And he said yes. And then from there, I hired the first few people. And then he just went and hired the rest. I kind of gave him everything that I knew and then pushed it to him. And then he just took... And that's the quality of a really good executive too, especially when you start developing

that middle management, is that you're going to be able to give them you know everything that you can provide to them so that they can do the job but a great executive is actually going to love their position and they're going to really eat sleep and crave it every single day and find ways to make it better and find ways to expand it themselves and that's the kind of person that you want to be an executive, the leader of the division. Because if it's someone else who's not really going to care, you're always going to probably find yourself dipping in there to try and figure it out.

And you're going to want to know how it works, especially if you're going to run a business of that size. But that was definitely something very important that we had to learn early on. And it was something that I fumbled with for maybe the first, from March to around December or January. It was something I had to figure out and I would hire people and then they wouldn't work out and hire people. And then just one day it finally clicked and we got one guy and then we got another guy and then another person. And then we had a team of 10 and then we had a team of 20 and then we had a team of 40 and it happened so fast.

Are they all in Miami or remote? No, most of them are remote, but a lot of them want to move to Miami. Yeah, I'm sponsoring a couple of out-of-the-country people like some Canadians. Some Canadians want to move to Miami. So giving them that sponsorship. But yeah, in like october last year we were doing like 50 000 a month and then come you know march we did something like 1.2 1.3 and we've kind of just stabilized there for a little bit because i've pretty much maxed out

the youtube ads right like like if i put more money in like it's not necessarily going to make me more money it's kind of gotten to that point you'll have to scale on other platforms have you tried tiktok and facebook yeah yeah see now that's what i'm trying to figure out i had a really solid youtube ads mentor and a really solid guy who taught me and um i'm like his top success story right now but um i was very fortunate to have that and i always always had a knack for YouTube ads. I always found them kind of funny. And I always found them very attractive. And I've purchased things through YouTube ads.

So I felt like that was the thing that really attracted my attention to the right kind of first initial marketing pool for me was the YouTube ads. It's a blue ocean still. It is. I see so many people running ads on Instagram and Facebook, but I'm dominating YouTube. I don't even know why people aren't doing it.

I find it easier than Facebook and Instagram ads. For sure. YouTube's pretty steady. Facebook is so all over the place sometimes. There's so many updates. It's crazy. I think it could work for you it's definitely worth testing yeah um yeah i'm looking into some guys if you know some guys

i would love to hear about for tiktok i'd say maxwell finn or maybe cole gordon i could put you in touch with them yeah yeah um i gotta go into one of your your purchases that caught my eye you bought a yacht yes why did you do that yeah it's definitely a business investment but it's definitely something that i want too yeah right and uh life's too short to not have what you want right and that was definitely something i told myself early on when i got started when i was doing doordash making two to three thousand dollars a month three years ago you know is that life is too short to not have what you want and um you know there's no reason why you should just settle for less right

so when i got started a yacht was definitely not the first thing on my mind but it eventually became something that oh wow like i'm gonna buy a yacht so kind of what happened was i moved to miami um about five months ago and when i moved there i had no intention or no thought of buying a yacht all that happened was i was um going on some boat charters with my team, my family. It's something fun to do in Miami. There might be a lot of fun things to do here in Las Vegas. You go on the Strip. You go fancy dinners.

You go maybe to the Strat or maybe the shows, Circus de la. New York, New York. There's a lot of fun stuff to do here. But in Miami, one of the popular things to do is to go on a boat, go through the Miami Bay and enjoy time on like a yacht or go jet skiing, stuff like that because the water's warm and it's beautiful, right? And so I was on a couple of boat charters and I have a friend, his name's Clint. He does Lux Miami.

Anyone who's curious about, you know, potential like luxury rentals and things like that. And I asked him, Hey man, like, what does it look like to be an investor with you? If I bought a yacht, what would that look like? And so he kind of broke down like how much money he makes per month with each yacht and how much money I would make. And it just made a lot of sense. And then I was asking my accountant about it and you could do straight line depreciation on a yacht, just like how you would do depreciation with real estate. So that was very attractive, too, because I started making a lot of money. I'm like, oh, wow, well, I'm going to have to invest into something. So that way I don't have to pay a lot of taxes. I might as well keep the money in like an asset as opposed to

giving it to the government. Right. So so that was definitely like starting to drive me toward the plus the the sexy aspect of how cool would it be to own a yacht in Miami. It's a big flex for sure. Yeah, that's sweet. So yeah, so then I started going through the process of we started looking for boats. We looked through like 20 boats. And then we landed on a 2019 72-foot azimuth. Damn.

How many people can it fit? Oh, I can probably fit at least comfortably or just packed. Let's say both. Comfortably, probably 30-40 people. And packed, I could probably fit 100. But it would be squished. Everyone would be on the flybridge. Everyone would be inside, on the front, in the state rooms.

I wouldn't like that. I'd like the 30-person line. That's what I'm looking to do. I'm looking to have a mastermind on my yacht every single month. Yeah. Right. And like fly people out to Miami. Right. And say, oh, you want to learn how I grew an eight figure business. Yeah. In a year. Right. Yeah. You want to learn how I ran, how I did it, you know, come out on the yacht and we're going to do an in-person mastermind. Right. Day one, we'll do mostly mindset stuff. And then day two, we'll really get into the business stuff and it'll be an awesome two day mastermind. So we're going to limit it maybe to around 10, 15, 20 people per charter or per, you know, whatever, what's it called? Like per mastermind on the yacht. But, you know, that's going to be one venture with it. And then chartering it every weekend to people who want to charter it. And all together, I'm making a great return on investment just by owning a yacht. Right. Right. So crazy, dude. So what were you

like two, three years ago doing DoorDash? Because I'm super impressed with like your intelligence. Like, did you have this knowledge back then and you just weren't acting on it? Oh, man, that is a great question. No, to be honest um no one in my family was entrepreneurs um i kind of had to figure it out by myself and um i had like some friends dads who who did stuff i never really asked them um they like really what kind of happened was i was doing doordash and i was like this is definitely not going to be the rest of my life. I always wanted to have my own thing, whether it was a business. One of my things I really wanted to be was a music producer.

I was always envious of those guys, especially a lot of the Las Vegas DJs. Those are people I wanted to be like, and they have their own business. More so attracted to, I want to do my own thing. I don't want to be dependent on someone else. I don't want to do someone else's gig. I want to do my own gig right so um so i turned to the internet and i had taken some courses online before like i did a music production program um this guy hyperbits um

he has like a really solid program but like and that kind of warmed me up to buying stuff online because i knew it was like legit right I knew it wasn't necessarily a scam. I was figuring out in the beginning and I had to learn the hard way because no one told me in the beginning that I need a mentor. That's what I was missing for the first maybe five courses I purchased. I just dumped 10 Gs right out the window

trying to figure out e-commerce or all these other different business models. And then I bumped into someone in a Facebook group because I was messaging people in the Facebook groups like, how are you successful? How are you successful? What did you do? What did you do? I connected with one guy who knew another guy, which was the guy Dylan Cadullo. And that's when I started learning high ticket sales. And that's why I started learning how to do closing, how to do sales, because I was always disinterested in sales my entire life. I never had confidence in communicating or anything like that.

And getting to know Dylan and getting to work with him really kind of opened things up. Just something about selling my own products my own ideas online caught my attention as opposed to going door knocking or things like that so then I got a lot more attracted to the idea of starting an online business and communicating with people online

and then fortunately I just met some good people who knew a lot of these things about an organizational chart and these weren't things I learned in college or hell no you know or people in my friend group back home you know like this is all stuff i had to kind of venture out and figure out on my own nice so what a story man i mean you're growing so quick it's incredible to see and i really like the business model because it's cash flow heavy the networking is probably amazing because you're helping out

people you know that's a really cool part about the business that I think a lot of people are normally looking for, especially in this space, whether it's credit or make money online or business opportunities, is that people are always looking for something. And there's all these options. Like, oh, here's this real estate guy. Here's this trading guy. Here's this e-com guy. Here's this trucking guy. Here's this trading guy. Here's this e-com guy. Here's this trucking guy. There's so many different industries. But the cool thing about having a funding business

is that we attract all of those people. We take tens of thousands of calls every single year. We're talking to hundreds of people every single day. So we know what people are doing. We're learning what they're doing, if it works, if it doesn't work. And it allows us to really build this really solid group of things that are already working for other people so that others can avoid just doing trial and error by themselves. And it's very unique about the group because you can't say that about all those other groups I just mentioned.

Right. Because we just naturally attract that through a funding program. We have people in real estate. We have people in trading. We have people doing all these things that just needed funding to really inject into their business or their investment. Like I had a guy last year, he he was brand new to commercial real estate just bought his first property and he just sent me a text like two weeks ago he said andrew thank you so much for helping me get credit i got him like a hundred thousand dollars yeah and he was like thank you so much for helping me because since i met you the value of my property was five hundred thousand dollars and now it's 1.8 million dollars and this is his first commercial real estate property.

And what was really cool about that was that there were dozens of real estate people online, but he gave me the mentor that taught him how to do commercial real estate. And so that's what makes it super attractive because we get people like that every single day. And that's just one of many stories I can share about people actually,

like say if someone doesn't know what to use the funding for, they could still sign up with us and get the funding and then we could point them towards something like that that already worked for someone. That's really what people need the funding for anyway because what good is the funding if you don't have anything to use it for? We have a ton of people using it for different things and that's what makes, I think, our program

a lot more attractive than the other funding guys out there. I love that. Yeah, you should start building a community, have some meetups and masterminds with all these successful people. Yep, the yacht. That's like, on the yacht, yeah. Yacht comes full circle.

Well, dude, it's been a pleasure. Anything you want to close off with or promote? Yeah, absolutely. Well, thank you for the time, of course. and if anyone wants to connect with me on social media i'm just at andrew and bessie on instagram um if you want to connect with me on youtube i'm also at andrew and bessie and you can check out bo group.com it's b-o-g-e group.com and you can check us out there and everything that we we mentioned here is on there well. But I appreciate you having me, Sean. Yeah, I'll put the link in the description.

Thanks for coming on, man. Thanks for watching, guys. Great episode. I can't wait to do some funding for myself. I'll see you guys next time.