Locked In with Ian Bick - Ex Accountant Reveals How He Got RICH Cheating the U.S. Tax System | Sean Gunby

Episode Date: December 29, 2024

Sean Gunby, a former accountant turned YouTuber and content creator, reveals how he exploited the U.S. tax system to get rich. In this episode, Sean breaks down the strategies he used, the risks invol...ved, and what ultimately led him to leave that life behind. He also shares his journey of rebuilding his life as a content creator and the lessons he’s learned along the way. This candid conversation dives into the world of financial crimes, redemption, and the power of second chances. #TaxFraud #ExAccountant #CheatingTheSystem #TrueCrime #MoneySecrets #TaxScandal #FraudStory #FinancialCrimes Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ Connect with Sean Gunby: YT: youtube.com/channel/UC3OglQiLnP9pBGV4XCO1cRA IG: https://www.instagram.com/thepodcastwithsoul/ FB: https://www.facebook.com/sean.gunby.35/ Buy his book & merch: https://thepodcastwithsoul.bigcartel.com/products Presented by Tyson 2.0 & Wooooo Energy: https://tyson20.com/ https://woooooenergy.com/ Buy Merch: https://www.ianbick.com/shop Use code lockedin at checkout to get 20% off your order Timestamps: 00:00:00 Introduction and Shoutouts 00:04:19 Teenage Troubles and Athletic Involvement 00:08:47 Journey from Addiction to Sobriety 00:14:03 Emotional Impact of Rehab 00:18:02 Overcoming Challenges in Corporate Success 00:22:31 Overcoming Challenges Through Education 00:27:04 Starting a Tax Preparation Business in 1999 00:31:56 The Cost of Greed: How Greed Led to Federal Prison 00:35:57 Navigating Tax Deductions and Red Flags 00:41:06 Encounter with Federal Agents 00:45:24 Undercover Operation and Arrest 00:49:57 Facing Loyalty and Guilt from Longtime Clients 00:54:57 Life in New Jersey Federal Prison 00:59:35 Starting a Window Cleaning Business: A Journey to Success 01:04:23 Discovering True Self-Value in Prison 01:09:19 From Prison to Redemption: Sean Gumby's Journey to Success 01:13:37 Support and Follow Ian Beck on Social Media Powered by: Just Media House : https://www.justmediahouse.com/ Creative direction, design, assets, support by FWRD: https://www.fwrd.co Learn more about your ad choices. Visit podcastchoices.com/adchoices

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Starting point is 00:00:41 The podcast was sold on YouTube. The podcast was sold on Instagram, man. You got to check it out. Shout out to Ian, man. Shout out to, first of all, my man, Alex, a guy who follows me, who's been following me on my YouTube channel since 2018. he said, yo, reach out to this guy and see if you can get on his podcast.
Starting point is 00:01:08 And then that's what? I email you. You filled out the form. I filled out the form and then you hit me right back. So shout out to Alex, man, for looking out. Yeah, shout out to Alex. I try to be as responsive as possible. As soon as I see a form come in, bam, I'm hitting that because I don't want to lose you the next person, you know.
Starting point is 00:01:25 You're only as good as the content you create. I figured since I did the Fed time with you I figured I said this is why he'll hit me right back real quick because he knows what it is Yeah no it's and you're local too Like you weren't someone that had to fly out here Or anything like that And you're a fellow YouTuber
Starting point is 00:01:41 You know And I don't know why more people don't plug in people stuff At the top of the episode That's what I've been doing now for all my stuff I just have the guests plug it in Because who's listening to it all the way at the end You know what I do Even when they don't tell me
Starting point is 00:01:53 That's the first thing I do Because what else am I here for you know Yeah, it's got to be mutually beneficial. Like share the clips with people, do everything, you know. I don't get that. Why it's always plug it in at the end. Yeah. But that's something I've been doing and making sure I'm good on staying on top of that.
Starting point is 00:02:09 Cool. Cool. So you came from New Jersey today. Did you grow up in New Jersey? Grew up in North Jersey, born and raised. Born in the city of Persake, New Jersey, raised in Clifton, New Jersey, my whole life. And single mother. And then went to college in Atlanta.
Starting point is 00:02:26 but I'm a Jersey kid all day, North Jersey kid. Any siblings? I had some brothers, but we're not cool. You know, we're not cool. I pretty much was raised as an only child. One of my other brothers came to live with us. I think I was probably like in the eighth grade by then, seventh, eighth grade.
Starting point is 00:02:46 But yeah, it's been pretty much me. Would your mom do for work? My mother was a nurse. She was a registered nurse, man. and hard worker, man, taught me work ethic. And she was a nurse. Yep. Yeah.
Starting point is 00:03:05 Did you guys grow up with money because she was a nurse? No, no, we didn't have no money. We didn't have no money. I grew up in an apartment my whole life. I lived in an apartment my whole life. You know, I got free lunch at school. You know, she lied on the application because she made enough money for me not to get free lunch. But, you know,
Starting point is 00:03:24 she was doing doubles, you know, working eight hours at the nursing home, then going doing eight hours, doing private duty, sometimes 24 hours, you know, to make money. And, you know, but nah, we didn't have, I didn't come from no money. No. Were you alone a lot of the time? A lot of the time. I was, uh, I, my mother raised me over the telephone, she'll tell you. You know, you're talking about the 70s and 80s, which is different than now.
Starting point is 00:03:52 So most of the kids, I don't think my story is much different. A lot of us will latch key kids, which mean, how old are you? 29. Yeah, see, you a baby. So, you know, we woke up in the morning. Your mother was already gone to work. You got yourself dressed. You made you some cereal.
Starting point is 00:04:08 You walked to school. You went to school. You walked home or caught the bus home. Moms was not there. You know, you went in, you watched your cartoons or whatever. You ate some more cereal or sandwich or whatever. you went outside the play and then when it got dark
Starting point is 00:04:24 or the street lights come on you come in the house you know and that's pretty much so I was yeah I was by myself a lot Was it a good area to grow up in? It was cool
Starting point is 00:04:35 you know Clifton was cool Mm-hmm How would you say kids would describe you at that time period We had some of your friends I was cool I was cool I hung out with the troublemakers
Starting point is 00:04:55 So other troublemakers wouldn't, I don't think they would call me a troublemaker, right? Because we all were troublemakers. So I think they would say that I was cool to hang around with, you know, good athlete and funny, that kind of thing. Oh, what kind of sports were you into? I played baseball. I did everything. Football, baseball, basketball, soccer, lacrosse, I wrestled.
Starting point is 00:05:24 I did everything. Did you want to go to the college level for sports? No, no, no. I started smoking weed in the seventh grade, man. And then that just like took all the fire out of me of everything, man, academically. Because I was academically gifted. I was always in college prep courses. But once I started smoking weed in the seventh grade, it just changed me, man.
Starting point is 00:05:52 And I just did just enough to get by. I quit all the sports. I didn't want to practice every day. I wanted to hang out, fuck around, you know, with the bullshit. And that's pretty much the way it went. What do you think? It made you lazy in a way? Say it again?
Starting point is 00:06:06 Did it make you lazy the weed? It took away my drive. It took away my enthusiasm for life. It took away my zest. You know, and it made me, it made me, lazy could be the word. But it took away all my drive. you know, and I wanted to hang out. I didn't want to go to practice.
Starting point is 00:06:30 Because when you get to junior high high school, you practice every day, whatever sport you play. And I didn't want to do that. Some days I wanted to leave school early and go smoke weed or whatever, hang out. Did you have aspirations beyond high school, like career-wise? At that time? Yeah. No.
Starting point is 00:06:51 No. My mother always told me that I was going to go to college. right so I said I you know if that's what I'm going to do that's what I'm going to do and when I graduated high school 60 days later I was enrolled as a freshman at Morris Brown College in Atlanta Georgia you know but I'm just being directed by her at this point right I'm a mama's boy and she's doing everything for me she's getting me out of every situation I get in all the trouble I'm in she's bailing me out all the lawyers I need she's paying any fuck-ups that I'm doing moms to the rescue so she's guiding me at this point What kind of trouble are you getting in at that age? Juvenile delinquishit
Starting point is 00:07:36 vandalism drugs Um Van mostly that Now why that college in Atlanta What was there for you Well My mother's brother
Starting point is 00:07:53 My uncle went to Morris Brown College and Morris Brown was a historically black college. So she always told me from the gate, you going to Morris Brown. And so I ended up August 1987. I graduated high school June 87. August 87, I was enrolled as a freshman at Morris Brown. What was your major?
Starting point is 00:08:19 Accounting. Were you passionate about that? Did you like it? I was always good at math. so I figured accounting would be a good major. And plus I started, you know, I had a job at the golf course, my junior year of high school, my senior year. And a lot of the dudes, a lot of the members at the country club,
Starting point is 00:08:42 it was a private country club, very rich people. And a lot of them were stockbrokers, investment bankers, and Wall Street dudes. And that really was my aspiration. to go work on Wall Street. And a lot of them used to say that in accounting background was the best background
Starting point is 00:09:02 for that type of business. And being that I was good at math, so that's what we're going to do. What interested you about Wall Street? Was it the money aspect? It was the cheese, baby. It was the money, man. It was the money, man.
Starting point is 00:09:16 And like I say, I was caddying at this country club and, you know, the lifestyle that these members had, man, I wanted it, right? Because like I told you, I come from a single mother. We weren't poor, but we didn't have no money. And these dudes had tall dollars, man. I mean, tall dollars.
Starting point is 00:09:38 And to see the clothes that they wore, the cars they drove, the lifestyle that they, I see, yo, this is, this is what I'm going to do right here. So do you end up finishing college and get the degree? I ended up getting my degree. I dropped out of college my undergraduate for a year and a half through the drug addiction. And but I ended up going back and finishing and getting my BS in accounting in 1993. What kind of addiction did you have? Cocaine, alcohol, weed, crack, you know, just the whole shit.
Starting point is 00:10:20 I was fucked up. I was fucked up. you know, yeah. How do you think that got started that developed in college? My addiction? Yeah. Because I just told you I started smoking weed in the seventh grade, man. So that I put everything on.
Starting point is 00:10:35 That turned everything on, kid. I bought my first, I think I bought my first half a gram of Coke, my junior year of high school. I sniffed it on the job. I was pumping gas at this gas station. And I sniffed that half a gram. and, you know, it just reduced my fears about any drug at that point. And it just progressed.
Starting point is 00:11:03 So do you think weed still has that same effect on, say, a young person now? Ain't no question. Monefuckers can talk all that shit all they want. You know, weed is the gateway. Weed is the gateway to harder drugs. I don't give a fuck when nobody's saying. Niggas could talk that shit and, you know, you know, they could talk to somebody that has not gone through active addiction,
Starting point is 00:11:32 but to a motherfucker that's been through active addiction like myself, I've been clean 34 years. I just celebrated 34 years clean in October. You can't tell me that shit because I lived it. Congratulations. Thank you, man. And you stay away from alcohol, too. I don't do nothing, man.
Starting point is 00:11:48 Clean, man. Clean. I got clean October 16th. 1990, and I never relapsed no more after that, never had a sip of beer. My life instantly improved, instantly. I never went back. That shit is living death, man.
Starting point is 00:12:13 Active addiction is living death. Why do you think you went back to college? So many people drop out when they develop an addiction, never go back. Why do you think you did and got it together to go back? Was it your mom or internal will? Now, I get the Morris Brown. I'm in college. I'm making the honor roll every semester,
Starting point is 00:12:38 but I'm getting high as a kite. If y'all hit my stomach, man, I'm fasting. So right now, uh-oh. Right now, let me see. It's 2.30. So three. So I'm on a 19-hour fast right now, just coffee and water, so I do that a lot so I can clean my body out.
Starting point is 00:13:00 So you asked me, why did I go back? I'm on an unroll every semester, Ian, right? I'm getting high. I'm smoking weed. I'm drinking. I'm getting drunk every day. I'm drinking a quarter of coat 45, quarter OE, dime bag of wheat every day, but I'm still getting bees in.
Starting point is 00:13:26 all of my college courses, right? So I do the first three semesters. I'm a sophomore and then my addiction takes over and I can't even fucking keep a job, right? I have to stop, right? The drugs tell me, niggas, stop. Whatever you're doing, you're going to focus on me. And so I go to drug treatment, 28-day program. I get out, they say, Sean, you know, go to aftercare, 60 days, make meetings,
Starting point is 00:14:04 A, A meetings, N.A. meetings. I do all of that. I stay clean. And then I was like, yo, I got to go back and finish. You know, I definitely could do it now. If I'm making, if I'm making A's when, you know, B's when I'm getting high, I know, you know what I'm saying? And then my mother, Ian, man, that was like, I broke her heart, man.
Starting point is 00:14:25 I broke her heart, man When she came to get me, man When the dude came from the Treatment Center to rehab To pick me up my mother was there She was devastated kid Because she had saved all this money for me
Starting point is 00:14:41 This was her dream And I probably did it for her But I wanted to finish You know, I had went to Atlanta To go to college So I'm going back You know what I'm saying
Starting point is 00:14:53 So that's why I want to went back when I finished. What year do you end up graduating? 93. 93. 93. I was supposed to graduate in 91 because I got the Atlanta at 87. I was supposed to come out in 91, but like I say, I sat out for a year and a half,
Starting point is 00:15:10 working and shit, just making sure it's staying clean. You know what I'm saying? Getting some clean time under my belt, and then I went back and I come out in 93, May 93. Do you ever think about what would have happened if you continued on that path of addiction? I'd have been dead. no doubt nigger because at the end when I was
Starting point is 00:15:31 when I was when it got real desperate I was in the streets you know doing things I had no business doing and it was I was going to either somebody was going to kill me it was going it was going to
Starting point is 00:15:44 I was going to die it wasn't going to be good where do you go after you graduate my undergrad yeah so I'm caddy in Atlanta, right? So I get a job in Atlanta caddy
Starting point is 00:15:59 because that's all I, you know, that's what I know. I get a letter from the golf course in Jersey when I leave Jersey to go to... How many discounts does USAA auto insurance offer? Too many to say here. Multi-vehicle discount. Safe driver discount? New vehicle discount. Storage discount. How many discounts will you stack up?
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Starting point is 00:18:15 right? So I've never had to fill out no application for no job ever because all these dudes I'm caddying for it. They either the CEO, the CFO, they own the place. So all I got to do is just caddy for them. Talk to them for four hours on the golf course. Every time they come, Sean, just call my secretary. Everything is set. Go to work. So I get the job. I work over there like six months and then I'm like, I don't want to do this. I want to go back to Jersey to to follow my dream working on Wall Street. So then I leave Atlanta. I come back to Jersey. You know, but by that time, I had already caught a felony in Atlanta. So, like, my dreams of working on Wall Street was dead because you can't be a felon and work for a financial institution.
Starting point is 00:19:04 So I came back, you know, but it probably wasn't going to go down. Did you feel like that degree was for nothing then after you had that felony? Kind of, yeah, because I said, look, number one, you're a founding. on black American male, right? So it's going to be hard for you to get the job anyway in corporate America. And then now you got this felony, right? And you want to work for a bank. So it's going to be extra hard, you know.
Starting point is 00:19:37 And but I got another story for that too, man. But yeah, but a lot of people encourage me, say, Sean, don't worry about that, man. You young, because I'm 23, 24 the time they're like, man, you young. That's somebody overlooked that. Somebody will give you a shot. But that's how I felt, though. I felt like, you know, I had fuck myself. Yeah, I feel like that's a time period where, you know,
Starting point is 00:20:03 they really hammered down felony on your record, your life's over, you're never getting anywhere. Yeah. If you buy into that, right? If you're thinking is such that you believe what motherfuckers tell you about what you can do and achieve with your life, then that's what it'll be. but there's always been something about me, Ian, man, that I've always believed in me, right?
Starting point is 00:20:27 I've always believed that I'm going to, I can do something, right? And that's how I live. And I ended up doing very well, even with the felony, working in the corporate world, doing mergers and acquisitions, doing the whole shit. And you were able to rise up even at that age? Ain't no question. So when do you feel like you had made it in your career?
Starting point is 00:20:51 career. So I come back to Jersey and I go right back to the golf course. Right. So I'm caddying on the golf course and a lot of members are like, yo, Sean, what's up? What you doing? Cattian, man. You got your degree. Did you finish school? I'm like, yeah, I got my degree. So why is you caddying? I said, well, I got, I caught a felony when I was in Atlanta because I was trying to sell drugs. After I got cleaned, then I want to sell drugs to make back the money that I spent getting high. So now I'm going to make my money back. So I get busted. I get a felony. So I said, man, I got a felony. And one of the members of the golf course had a placement firm where he placed accountants in jobs.
Starting point is 00:21:40 And he took a liking to me, white dude, Polish dude. And he said, Sean, give me your resume. So I gave him my resume. And he told him, he said, come up to the office Monday. So I went up there He had this big account With this corporate With this company
Starting point is 00:22:00 And he went out And did me a solid man And he went out on the limb And said yo I guess he told him He never told me this But I can see it Looking back
Starting point is 00:22:11 Yo do me a favor I'm not going to accept No fee I don't think he accepted A fee for me Give this man a job And And when I got that job, I started off in accounts receivable, as an accounts receivable clerk, which is like the lowest of the low.
Starting point is 00:22:32 A lot of people that I work, my colleagues didn't even have degrees in that department. But from that, I got promoted to the legal department, compliance. And then from compliance, I got promoted to the finance department doing mergers and acquisitions of real estate companies across the nation. And I rose to be a senior analyst. And I was responsible for valuation of target real estate companies across the country coming up with valuations and then making them offers to buy them. And I worked on deals from the smallest $10,000 rollins to $100 million businesses, $100 million real estate companies that span like five, six states.
Starting point is 00:23:24 and I should do that shit all by myself. I loved it, right? Because that's what I wanted to do. And I was good at it. And that's when I thought, like, nigga, you made it. You know what I'm saying? I was making, like, $45,000. This is 1995, 96.
Starting point is 00:23:50 Yep. And then I got hired away from them by another company to do the same thing. thing that gave me $70,000. I was 29 years old. This is in 1996. And I said, yo, you made it. But I stayed
Starting point is 00:24:06 with them for like three months and then I left because I didn't like the atmosphere. Then I started my own business and I never looked back. I started my own shit in 1999. I never looked back. How integral was your college degree in moving up the ladder? It was important
Starting point is 00:24:24 because we're talking about the 80s and 90s now, right? So your degree meant something. And then while I was with that company that where I got promoted where my man placed me, I went back and got my master's degree through tuition reimbursement.
Starting point is 00:24:41 The company offered tuition reimbursement. So I took advantage of that and I went to NJIT, New Jersey, Institute of Technology in Newark, New Jersey, and got my master's. Finish that, come Lord, honors. 3.28 grade point average, killing it. And I'm working.
Starting point is 00:25:01 So them degrees, because I felt like as a nigger, I needed a degree, right? And the more degrees I get, the more is going to overshadow the felony. You follow what I'm saying? So that's why I kept going. But they helped back then. Now you don't need a degree to do nothing. And if you got some, in 2025, you can have a high school. You come out of high school.
Starting point is 00:25:29 You can quit high school. If you got some hustle about you, you can get rich. And you can go back to school later. You could take accounting courses, all, everything you think you need for your business. You could take that shit out of cart, like one class here, one class there. But it was a different time back then. Yeah, I mean, that hustle mentality you had all throughout college. You rarely see that with kids nowadays.
Starting point is 00:25:51 No, these niggas is weak. And I mean, niggas, when I say, because I mean white kids, black kids, Asian kids, Latino kids. The American kid is a disaster. He's a disaster. Not all of them, but the majority. See, I watched my mother, Ian, like I told you, she worked eight hours, 16 hours. My mother worked.
Starting point is 00:26:13 So she put the work ethic in me, right? So I had a paper route in sixth grade. I got damn, I delivered pizza. I worked. I worked. I was never afraid of work. I caddied. You know, even when I was in Atlanta caddy and I parked cars at the hotels, a valet.
Starting point is 00:26:34 I worked at Applebee's as a fried, as a line cook on, you know, whatever. So I've always been outgoing, you know, I'm going, you know, I'm going. You know what I'm saying? I'm going to make this shit happen. I've always been that way. Even now you're working. You walked in here, tripods, everything. Man, let's go. Yeah, you're ready, man.
Starting point is 00:26:55 Yeah. Because I've been doing this. How long have you been doing YouTube? Just not even two years. So I started this in 18, 2018. Before everyone. Right. When YouTube was paying real money before the Joinsky joint.
Starting point is 00:27:09 Before they shut the pandemic, before they shut everything down. Oh, they were paying more back then. Hell yeah. Because it wasn't as many, there wasn't as many content creators because everybody was working. But when the pandemic came and people got laid off. and they had no jobs. Now everybody think, oh, I got a phone with a bit with a camera. Let me become a content creator.
Starting point is 00:27:29 I doubt it. Knock it off. It takes a certain type of special something to be a content creator. It's hard work. This shit is not easy. Yeah. It's nonstop. People don't see the behind the scenes of that.
Starting point is 00:27:43 It's not easy, man. This YouTube and constantly uploading and captions and this following up, emails. what kind of content can I do now? My channel's getting stale. It's a lot. Yeah. So what kind of business do you start when you open that first one up? So I decided to resign from the corporate company that had hired me away from the original one.
Starting point is 00:28:11 And I started to do business brokerage, which I was going to go to the real estate companies that I was buying with the backing of the company. company, I was going to go represent them and help them try to sell themselves to the company that I work for and get like a 10% commission. Right. So if I sold it, if I helped them sell a company for $300,000, my commission would be $30,000. So that didn't work. I went broke. I had all the little savings I had about $6,000 in savings.
Starting point is 00:28:45 I had a $5,000 credit card, ran that up, went through the savings, and I'm dead-ass broke. right so now $11,000 in 1996-97 this side, you know what I'm saying? But I go through that shit. So then my mother says, Well, why don't you start doing taxes? Why don't you do taxes? You got that accounting degree
Starting point is 00:29:15 using accounting, ain't you? It's like my own don't do no taxes, man? That shit is corny. So, but I'm dead ass broke. I'm eating cake frosting, right? I'm eating loaves of bread with tap water. I'm broke. So I said, man, let me start doing taxes.
Starting point is 00:29:35 And then I started doing taxes. In 1999, it was my first year. I did 19 tax returns. I think I made like $2,000. Total for the tax season. For personal business, both? I was just doing individuals at that point. And how much would an individual tax return cost?
Starting point is 00:29:53 Back then, less than a hundred bucks. I was charging them $75. I would go, I would ride to their crib, pick up their information, ride back to my crib, do it, print it out. Drive this shit back to them. Yeah. I was hustling hard, kid. So the prices haven't gone up that much for a tax return to do it. Well, mine went up.
Starting point is 00:30:17 As I got bigger and bigger, mine went up to where I was charging like $2.50 for a return for just. like a basic joint. But I'm saying compared to today's world now, it's around the same price. They probably, it's around the same price because, see now when I started in 99, it wasn't all this turbo tax into it.
Starting point is 00:30:34 You could do your own joint for free, you know, and people were afraid to do it. So they will come into me. But now, you know, it's hard. I think it would be hard for a tax professional now because you could get it done for free. Yeah.
Starting point is 00:30:48 And now the IRS is rolling out something where you can do it on their site for free too. Right. And they already got your shit. What they're going to probably end up doing is just saying, look, don't do nothing. We know what your numbers are. We're going to give you this deduction. Do you got any kids?
Starting point is 00:31:02 No. All right. This is your refund. Bang. Interesting. But not for a business. A business. No, no.
Starting point is 00:31:08 Something like what you do or what I do is too funky. Yeah. And they're still having a hard time understanding it too. Right. Because the world of influencers has totally changed the tax game. Right. Right. The funky of the return, the more you're going to need a tax professional.
Starting point is 00:31:22 So how fast do you scale that business, son? The first year I did, I said 19 returns. I was 30. And eight years later, I was million in. And just you or do you have multiple people? Just me. You're doing all these returns by yourself. I'm doing it all, kid.
Starting point is 00:31:44 I got a receptionist. I hired my receptionist in 2008. and then I used to do $200,000 in the month of February. Wow. So during the year, I was always curious about this. If you're just doing people's taxes, what do you do during the year? Chill. Fly around the world.
Starting point is 00:32:07 Hang out. Spend money. But when December come in January and February, I'm missing. I'm in the office. I'm doing 24-hour shifts. I'm doing 18-hour days, 19-hour days. but I'm doing $50,000 a week, $200,000 in February. When I'm done, when May roll around, I got $300,000 in my account.
Starting point is 00:32:32 So I'm chilling. Like Matt Dillon ain't robbing, ain't stealing. And people can't really scam you or take advantage of you in that business because you could just take it off the return. How did that work, the payments? Right, right, because I was able to enroll into refund anticipation loans, which means, like, if a person had a $6,000 refund, instead of them waiting three weeks for it,
Starting point is 00:32:54 I could print them a check in the office in two days, right? But instead of them getting $6,000, I'm taking my $250 off the top, right? So that's $57.50. And then the bank is going to charge them $100 for the quick check. It was called a Rale at the time, $5650. And then I would bang them probably for like another $50 for the convenience. Right?
Starting point is 00:33:19 So then now they walk in the way. way with 5,600. And did you ever expand past taxes or you only did taxes? No, I was a real estate broker. I went. I got my real estate license. I sold real estate for a couple years. Went back past the broker's license.
Starting point is 00:33:33 Got my broker's license. So I was a real estate broker and a tax professional. So I was cross-marketing my real estate business with the tax professionals, excuse me, with the tax clients who wanted to buy a house or sell a house because they trusted me with their information. So they definitely were going to trust me to, uh, helped them buy a house. I had all their financial information.
Starting point is 00:33:54 I had connections with mortgage brokers. So I was locked in. And you get married, have a family, anything like that? No, I never get married. I was fucking around with a bunch of women at that time. So you were living the life. You're a young guy living the life. With money.
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Starting point is 00:35:43 It goes wrong because I got greedy. I got greedy and I got greedy and I got reckless. and the wealth, the money almost made, the money and the wealth made me careless, right? And, you know, I got greedy, man, right? And I started, you know, I went to federal prison. I got charged with 28 counts of aiding and abetting and the preparation of fraudulent tax returns, right?
Starting point is 00:36:20 So what I was doing was getting people bigger refunds back than what they were supposed to, right? So, or if they owed money, if they came in and they owed $7,000 to the IRS, right? I was sharpened the pencil, and instead of you own seven, now you only owe them $2,200. I'm saving you $5,000.
Starting point is 00:36:39 But I'm going to charge your extra $300 on your fee, on top of the, you know what I'm saying? And, um, the feds came and the shit came apart. Did people know what you were doing? When you say people, who you mean? clients like would they if I came into you. Hell yeah.
Starting point is 00:36:59 I wasn't. That's a good question. Yeah, they knew what I was doing because they would ask me. Sean, I can't pay. I ain't got $7,000 to pay. Can you get it down? Yeah, I get it down. You, Sean, I say, look, your refund is $2,800.
Starting point is 00:37:16 Yo, Sean, put some more on top, man. You want to put a little, you want to put some, all right? So now your refunds $4,200, right? Because I knew what to do. Yeah, they knew. But when the feds came. came to see them and asking to cooperate against me. I ain't tell someone to do that.
Starting point is 00:37:33 I don't know. I ain't tells, nope. What, he did what? Nope. You know how that go. So when was the very first time you agreed to do this for someone? And why did you do that? I can't remember the first time, Ian.
Starting point is 00:37:48 But, you know, that was instrumental in building my clientele, right? because I got the reputation that Sean get them fat refunds, right? So I let that shit go to my dome, right? So instead of ethically doing the return, my shit was like, yo, I'm that nigga that get the fat refunds. Look at the law.
Starting point is 00:38:15 I got 30 appointments, people coming in and out of the door. I'm getting 300 phone calls a day. You know what I'm saying? This is what I'm doing. Dumb. Dumb. And, but once I started, I was open. I had this girl.
Starting point is 00:38:29 I had these clients who were here in the United States illegally. You know, they had snuck in the country. They had no social security number, but they had babies while they were here. And the babies that were born here had socials and dates of birth and birth certificates and that. So they would come and see me like, Sean, I got three kids, you know, let somebody claim my kids, get the earned income credit and then just give me $600. So I was like, bet. So they would come. This one girl had three kids.
Starting point is 00:38:59 I would give her $1,800, then I will put her kids on somebody else's return that would blow their return up super fat, and then I would charge them $300 for that on top of my feet. So I was making $900 on the kid. Give her $6, I keep three. What was the go-to way to increase someone's tax return? Like what would you put on the item line? If they just had a standard return, right, they didn't itemize the tuition expense. I would lie and say they went to college. Or they would come in and lie to me, but like, yeah, I went to school. How much did you spend? I spent $4,000 on tuition.
Starting point is 00:39:47 They wouldn't show me nothing. But I knew they was full of shit. But I did it because I knew they wanted me to do it. and it will get them up, you know what I'm saying? I'm saying? But that would be where you could do it on a person with a standard deduction to my clients that itemized,
Starting point is 00:40:05 excuse me, that made over $100 grand a year, husband and wife, I could go on the Schedule A and I can write off a whole bunch of shit that didn't happen and help reduce their taxable income and help them that way. What was the biggest red flag
Starting point is 00:40:19 that would conduct an audit then? If the return just looked too crazy, right? I think I didn't really know what would trigger red flag, but I knew not to make the return look, yo, this shit don't make no kind of, I'm not doing this. You know what I'm saying? Because I was a legitimate business now. I'm LLC.
Starting point is 00:40:52 I got a tax ID number. I got a PTIN, which I'm registered with the IRS. You know, I'm doing, I got bank products. I'm in the e-file program. I got an e-fing number. I got an office like you're set up here. I got a reception. I ain't just doing shit in the basement, you know, with fake name.
Starting point is 00:41:11 You know, everything is legit. So I'm making my shit look as clean as possible. You know what I'm saying? Yeah. When the feds first get involved, are they looking at you? Are they looking at a client who flips on you? I believe I don't know who put them on me
Starting point is 00:41:34 Ian, I don't know if it was my brother or some other niggas who was from the area I was from who were doing returns in dead people's names you know an inmate's name stealing the information
Starting point is 00:41:52 you know and then they got jammed up and you know when somebody gets jammed up you know what they're going to do they're going to tell you know that's how I think it really came down to it with me
Starting point is 00:42:07 you know and then I think they all the feds went and met with all of my clients not all of them about 25 of my clients before they even came to with the search one you know how they get down
Starting point is 00:42:19 and scared the shit out of them you're going to go to jail you're going to have to pay all this money back in you're going to lose your kids unless you agree to the fucking Sean. You know what I'm saying? So when they came, they had it already.
Starting point is 00:42:41 They already had it. How did you first find out you were being investigated? Because when they showed up to my office. That was the very first time. That was the first time, nigga. April 14th, 2011. Two days before the end of the tax season. I'm driving to work.
Starting point is 00:43:03 I go to sleep that night. I was living in Jersey City at the time. Jersey City, New Jersey. I'm tossing and turning and shit. Didn't sleep good at all that night. I get up. I go to the office. I pull in my parking lot.
Starting point is 00:43:18 I start walking to my building. And two big white boys jump out of this, when them yellow Camaro's, like from the Transformer Bumblebee. And they had the bulletproof vest on. they had the badge on the necklace with the shit and he had a piece of paper rolled up. He said, you Sean Gumby? I said, yeah.
Starting point is 00:43:39 He said, we're here from the Internal Revenue Service. We have a search warrant. We're coming upstairs with you. I said, all, come on, let's go. That's when I found out, kid. Did you know you were done right then and there? No. So I go upstairs.
Starting point is 00:43:54 I open the door. I had one door, and then I had another door to my office. the main door was to get to the suite which had my reception area my secretary's office was back there and I had my office which had a door on it so I opened up the main door
Starting point is 00:44:12 and open up my door I go in I put my keys and shit down I turn around and man like fucking 20 ages just come they come did I mess this up can you hear me good so like 20 ages man
Starting point is 00:44:32 they come in and I'm looking you know they got some navy blue windbreakers on you know like they had a windbreaker convention at my office man and uh they got the yellow letters on the back ATF FBI IRS D-EA and I'm like
Starting point is 00:44:49 oh shit and the two agents that had walked upstairs with me they said yo come out and sit in your receptionary so I left out of the office And when I went and sat in the reception area, and the two agents sat in front of me, and they started to question me.
Starting point is 00:45:10 And the one agent came, and Ian, he put his chair goddamn right next to my... Nick almost sat in my lap. And they started questioning me, and I said, yo, I got to take a piss. They was like, all right. So I got up to go into the bathroom, take a piss.
Starting point is 00:45:30 They followed me into the bathroom and stood there, and watch me piss. So we go back in the office and then they just question me and they pulled out this W-2. They pulled out this W-2 and said, you got this person back $1,400 more
Starting point is 00:45:50 than what you were supposed to. Do you remember this W-2? And I looked at it and I knew it. I said, yeah, I remember. It was a black girl. She was undercover. Black girl, she wore a camera on her coat and she videotaped our whole,
Starting point is 00:46:06 the whole time I did her return. And she had a wire on. And they said, do you do this a lot? I said, yeah. They said, about how many of your clients you do? I said, I don't know about all that, but I do. I kept it real with them. And they stayed there in my office for like about two hours.
Starting point is 00:46:38 took all of my files. One dude came up, say, yo, what's your password to the computer in the other office? If you don't give it to me, we're going to get in there anyway. I gave it to him. And it was a white girl. The white girl was in charge of all of them niggas, man. It was all white males with one black dude. He was high yellow.
Starting point is 00:46:57 He was light, bright, and damn that white. And she was telling all I'm what to do. You go here, you go here. You go ahead. And them niggas was, she was in charge of the whole thing. Then my receptionist came in. who I had hired, they took her, whist her down and just started her question
Starting point is 00:47:12 it, it was funky, it was mean, man. And then they took all of my people's, all of my clients, paperwork, W2's checks that I had cut. And they said, all right, so on we're leaving now. And I said, I'm not under the rest. They said, no. I said, can I keep doing taxes?
Starting point is 00:47:33 They said, yeah, as long as you do them right. And they left. and when they left I went and sat in my chair and I said Did this shit really just happened Did this what I just see Did this really happen?
Starting point is 00:47:52 And I still didn't think I was thinking about prison At that point But I knew that I had a problem Because now I had to call all of my clients Whose shit they took And tell them That the fact
Starting point is 00:48:11 Beds just came here and they took your stuff. I don't have your stuff. I don't have your check. Yeah, that changed my life, kid. So were you on camera with that undercover saying that you'll do a fraudulent tax return? Yeah. So she kind of set you up with... Ain't no question.
Starting point is 00:48:27 Oof. Ain't no question. Bitch came on my birthday. How old were you turning? 42. She came on my birthday. It was a blizzard. It was about a foot and a half of snow outside.
Starting point is 00:48:45 30 appointments canceled except her and she called me before she came She said Sean you still working today because I really need to get my taxes done this is the undercover and she came I never will forget Black girl could have been my mother's niece
Starting point is 00:49:03 came in she took her coat off and she says where's the bathroom I gotta use the bathroom and she went out and I told her what the bathroom was and that's when she probably went out and told all them niggas because they probably had some the parking lot just in case shit went wrong, right?
Starting point is 00:49:18 I'm up here, I'm going to do everything. And she probably got her camera right, put the record button, you know what I'm saying? And she came back in. And she says, oh, you went to Morris Brown? You went to historically black house? I said, oh, I went to Johnson C. Smith, which is another historically black house. I said, yeah, I said, we used to play y'all. She said, yeah, I don't know.
Starting point is 00:49:38 To lower my guard. She was filming that motherfucking shit the whole time, kid. And what did she say? she just said, hey, I need you to decrease my tax return liability? No, I think the fact that she had went to a historically black college like me and she was black, I just decided that I was going to hook her up. Right?
Starting point is 00:50:09 But now that you bring that question up, I think, because I would, I had a series of questions I would ask somebody that was sitting across from me when I was doing their taxes to, to kind of get them to lie to me so I can do what I do. But every time I asked her something, she would always give the straight answer. But I did it for her anyway. Right?
Starting point is 00:50:37 She didn't lie and say she had deductions that she didn't have. I asked her. She says, no, I don't have none of that. But I did a return. I got a bigger refund anyway. Yeah, because I feel like that would have been an entrapment if she came. Ain't no question. She knew, they knew what to do.
Starting point is 00:50:54 Yeah, that's exactly what it had been. So your own greed got in the way. Ain't no question. Wow, and they had the perfect person undercover to connect with you and to do that. Right. Now, whether her story is the same, like if she really went to her story, go back that, I don't know. But that was the story they came up with.
Starting point is 00:51:16 Because, you know, they're ingenious. You know how they go. How long did it take you to get arrested after that raid? Man, that night, and I was pregnant, little Sean was, this was about 40 days before little Sean was born. Right? And after they left, I started calling attorneys. And all the attorneys was talking 50 grand. This is in 2000.
Starting point is 00:51:56 11. So I went to see this one dude over in Fort Lee, New Jersey. He said, I need 50,000. I had the money. But I was, that's when I knew, this is big time. This is big. And I ended up finding these other lawyers down in Newark. And I hired them.
Starting point is 00:52:26 They were $700 an hour. It was two of them. So every time I met with them. it was $1,400. I ended up paying them $61,459.47. And to answer your question, when did I get arrested? I got arrested like in 2014. Several years later.
Starting point is 00:52:49 Right, because I was trying to fight in my case. I had my attorneys on them, you know. Because they don't come to arrest you until you, like, agree to a plea or whatever the fuck. you're going to do. Then they have to go through the formal process of arresting you. And you know what I'm saying? So that's when. And you were still doing tax returns all through that time? Yeah. Wow. Yep. My business got cut in half. Because you were doing legit now. Right. Once the word hit the street that the feds that came to my office, half my clients didn't come back.
Starting point is 00:53:24 And, but I was still doing them. And I asked my lawyer, my lawyer told me, my lawyer told me. because when the next year came, he said, Sean, he says, undercover agents are going to come into your office, dressed up as your clients. So he says, make sure you do all do the returns right. So effectively what he was telling me was that the feds had already got to my clients, right? And they were just, in order to get themselves off the hook, they had to come back and do their taxes again with me and try to get me to do what I've normally do again. And Ian, man, this is the part that hurt the most, man, when these clients
Starting point is 00:54:15 came in and I can see the guilt on their grill that they knew that they were there to fuck me around, but they had to because they had agreed to testify. And it was crazy. That was the hard part. And these were people that I knew 20, 25 years, right? I had helped them stop getting high. I had helped them put their families together, get the kids out of orphanages. I had helped them with money. But none of that shit mattered at the end, man.
Starting point is 00:54:53 How much money did the government say that you defrauded? My base offense level came in at 84,000. That's it? Yeah, but it was more than that. It was more than that. But the attorney that I hired, he was a bad motherfucker. He was well respected down in Norp,
Starting point is 00:55:20 which was where my case was out of 50 Walnut Street. You know, it was more than 84,000. But they made it 84 so that I get mandatory prison because anything over 80,000 is mandatory incarceration. Yeah. So your restitution was only 84,000? Right. You made off pretty good.
Starting point is 00:55:44 Not bad. So you take a plea deal then? I took a plea deal. And what was the plea deal for? The plea deal was 18 months. In federal prison? Ain't no question. And did they do the whole, you know, pony show of arresting you or you got to turn yourself in?
Starting point is 00:56:00 No, they came. They had me come to their office out on 22 in New Jersey. And when I got there, they arrested me there. And then drove me to 50 Wallner Street. and formally, you know, fingerprinted me and all of that shit, but they do. And you got bail. I got $100,000
Starting point is 00:56:19 ROR, released on own record. I don't know if they call it that with the feds, but unsecured bond. I didn't have to put up no... Non-serodity, I think it's called. What's it called? Non-serudity or something like that. Yeah, whatever.
Starting point is 00:56:34 Because they knew I had a son, right? Because my son's mother was my secretary. So they knew I wasn't going nowhere, right? So I don't think they, you know, but I didn't have no bond. So then where do you end up going to prison? Morgantown, FCI Morgantown, West Virginia. Was that a camp there? Morgantown is a low, right?
Starting point is 00:57:00 But it's a, it's a low, you know, there's no fence. But we had, we wore khakis. It was 1,300 people on the compound. It was low. But it was a lot of rats out there, a lot of white collar motherfuckers out there. But mixed in, you did fair time. You know, everybody's mixed in. Niggas that came down from the USPs were there.
Starting point is 00:57:23 They came down from medium highs to mediums. You know? Why didn't they send you to a camp? I don't know. I don't know. I had a prior criminal history, like I said from before, when I was selling drugs and shit back in the day. But none of that factored into my. guidelines because it was all over 15 years old.
Starting point is 00:57:45 So I don't know why they didn't send me to a Kent. What was the most shocking thing to you about federal prison? Man, I'll tell you, I was scared to death, man, when I had to fly out there. The most shocking thing, that's a good question. I've never been asked that question. I guess the structure and the orderliness among the inmates in terms of Detroit car who at Detroit hangs with Detroit Cleveland hangs with Cleveland
Starting point is 00:58:28 the D.C. car the New York, New Jersey car you know that it was really like that right that you know what I'm saying? Because when I got there they said yo where you from because they approached me as soon as I walked into the unit
Starting point is 00:58:42 through two three niggas yeah where you from I said I'm from Jersey oh you got to talk to Corey got to talk to Corey from New York so like they already put me in the New Jersey car so that That is, and, you know, the laid-backness of the inmates, right? That shocked me, you know, because I think everybody just wanted to do their time.
Starting point is 00:59:15 But when it got disrespectful, that laid-backness dissipates immediately and it gets, it resorts, it escalates into violence, right? So it was an eye-opening experience from me, man. A lot of smart dudes in there, too, man. A lot of very intelligent men I met. Did you find a lot of guys coming up to you wanting to kind of pick your brain because you're an accountant? And that was probably pretty rare in there too. Any no question.
Starting point is 00:59:45 Yeah. You're Sean, what do you think about this? Yeah. Everyone's looking to become a better criminal in some of these spots is what I realized being in federal prison for white collar. Some niggas wanted me to teach them how to cheat the tax system. You know, I said, man, I'm not doing this. First of all, nigga, I don't know you.
Starting point is 01:00:06 You could be a rat in here, right? Wearing a while setting me up. I don't want nothing to do with that life because once I went to prison, I knew I wasn't going back to doing taxes. I wasn't going to go back. You know, I wanted nothing else to do with that. I was going to start a new life. You know, so, you know, Sean, how would you do this?
Starting point is 01:00:23 How would you do that? Man, I don't want to talk about that, man. You figured that shit out with somebody else. Out of those, what was it, 18 months, something? I did 15 months, 15 days, 19 hours. So that was your total that you actually did? That I actually did. I did 85% of my 18 months.
Starting point is 01:00:41 And what happens after that? Do you go back to New Jersey? I get released and I come back to New Jersey and I'm homeless. Before I went to prison, I had nine rental properties, nine individual houses that I own. I had my own two family house in Jersey City and I lost all of that. I get out of prison, I'm homeless. Why do you lose all that?
Starting point is 01:01:03 Because I, when the feds came, I had about $656,000 in my TD Ameritrade brokerage account. I had about $275,000 in my checking account. And when they came, it scared me, right? And I said, these niggas are going to freeze my account. they're going to freeze this money. So I started taking crazy risks in the options market with the $600,000 and lost it all. All of it.
Starting point is 01:01:38 All of it. And all of my houses were in the foreclosure. Because of that money? Ain't no question. What was it leveraged on your property? No, I just didn't have no money to pay. Because like I say, my business went down. the year after the feds came
Starting point is 01:01:57 my tax business got cut in half and then the following year I was still out it got cut even more right and I'm operating out of from a desperate mentality at this point so I'm taking crazy risks and uh you know I just blow through all the money man
Starting point is 01:02:16 your credit would probably tank too when you got out everything I'm fucked up done finished depressed, angry, regretful, embarrassed, humiliated, lonely, scared, all at the same time. Imagine just being humiliated by itself. That's a fucked up feeling, right? I was feeling all of this shit at the same time. The only thing that kept me going was Little Sean, my son. That's the only motherfucker that.
Starting point is 01:02:54 That's the only thing that kept me going. He used to say, Daddy, I love you. He was like 18 months old. And I used to look at him like, why? Because I hate me right now, right? I hate what I've done to my life. Yep. So I get out of the joint.
Starting point is 01:03:10 I got $1,900, man. And I'm sleeping, me and a little shawna, I'm sleeping in this basement of this girl that I was dating at the time. I stayed by her house for about five months. And then I got an apartment. another female friend of mine helped me get an apartment and her name
Starting point is 01:03:28 I couldn't get no apartment because I had no W-2 you know what I'm saying no income and then I swear I started my comeback at at 46 years old I started a window cleaning business
Starting point is 01:03:39 why windows I was watching my man Keith Calfus on YouTube the white kid out of Michigan this is my main man he's my man shout out to Keith
Starting point is 01:03:51 shout out to Keith Calfus go follow Keith Calfus on his YouTube And I'm watching this dude clean windows in in Detroit, in Michigan, in the middle of the winter. And you know it's cold up there. And I'm like, this niggas making money cleaning windows in the wintertime. Boom. Straight the Home Depot.
Starting point is 01:04:12 I spent $92 in some change on a bucket, squeegee, mop, pole. And I go out and I start a window cleaning business, man. And I think the first day I went out, I don't even. know did I make any money my first window was a three dollar window man three dollars and I think I used to go out and make $27 in a day go out make $41 and my man he said I see you on your windows are dirty you know I got a window cleaning business let me clean your windows he said how much you charge I said five he said I give you three I said I did it and then from there I grew that business from that one $3 window to Burger King to restaurants,
Starting point is 01:05:06 doctors offices, residential, you know what I'm saying, to where I never went to go get welfare. I never got food stamps, never got Section 8. And I grew that business from nothing to something where it could sustain me and my son. And that's how I started my YouTube channel. Because my YouTube channel, I used to film myself. cleaning windows and my YouTube was the window cleaner was sold because the name of my channel was a stigmatism in my soul y'all go buy my books man my website is the podcast was sold dot big cartel dot com
Starting point is 01:05:41 my three books over there that I wrote self-published and my hats my hoodies shirts go buy something go support and I started filming myself called the window cleaner was sold and then I started filming myself doing my federal prison workouts and they loved it. The YouTube universe loved it. And my channel blew up, boom! That's my story, kid. And I came all the way back like that.
Starting point is 01:06:13 How long did it take you to rebuild? What do you say? From the time you got out of prison to the time you were actually stable and, you know, back to a good point. I started cleaning windows in 2017. I would say probably to, like 2018, 2019.
Starting point is 01:06:31 It's not how long? I grew that window cleaning business because I'm, I'm, I'm, I'm, uh, I'm aggressive, right? And I'm a hustler to the core. And once they, once I got, once they showed me, they was willing to pay for me to come, man, and then I set up, I set up a whole route. On Mondays, I will go to Patterson, New Jersey.
Starting point is 01:06:53 On Tuesdays, I will go to Newark, New Jersey, down in the neck. Wednesdays, I will go to Persaken Clifton, Thursdays I would go Somewhere Up by Wayne Fridays and Saturdays I would go to Jersey City
Starting point is 01:07:07 In Georgia City in In Jersey City In Bayonne So I had a route That made enough for me to pay my rent Put food Take our clothes to the laundromat Buy some clean drawers
Starting point is 01:07:22 Some clean socks And I was satisfied Right I didn't need to be a million in no more I didn't need that Because when you go to the feds and they give you three-peer khaki pants, one short-sleeve shirt, two long-sleeves shirts, five-paired drawers, five-pair socks, a mat like that, one blanket. You got 300 minutes
Starting point is 01:07:45 on the phone. You only can spend 300 minutes on commissary. And everybody in the compound is walking around with khakis, right? So it ain't, it ain't your watch you got on. It's not the BMW outside that's rapping for you. That's representing for you. That's representing. you. It's not your clothes that's representing you. In the feds, you represent you. It's who the fuck you are and the words that come out of your mouth. And I said, this is what real life is being yourself, right? Being who you are.
Starting point is 01:08:20 Being respected for who you are as a man and not for what you got. So when I got out, I didn't need new sneakers. I didn't need none of that shit. I just needed to take care of my son. I was already a fly, nigga, right? I was already fly. I did all of that. I flew to South Africa.
Starting point is 01:08:40 I'm flying to Egypt. I'm flying to Sudan. I'm going to Cuba. I'm spending money. This Hickey Freeman suit I got on, $3,600. I'm buying them two at a time off of Fifth Avenue in Manhattan. You know, I'm wearing, you know, I'm, I had money, right? And I saw that the most money I had, when I had the most money, I was the most fake.
Starting point is 01:09:02 right, I was the most full of shit. I was the most out of shape. Right. And that the money, I used the money to buy circumstances and buy people. So I didn't need that no more, right? Because in what prison did for me, it was like my greatest time for self-discovery, man, and self-examination ever in my life. Right.
Starting point is 01:09:34 And I studied more in federal prison than I did with my bachelor's degree and master's degree combined. Right. Because I really, I really challenged myself and I couldn't run for myself no more. And I couldn't be fake no more because that's not a place where you want to be fake. And that shit changed my life for the better, man. Yeah, I think my view on money has definitely changed after. federal prison. Like, I don't care about being a millionaire. I'm fine with a few hundred thousand, you know, if I got to that level, because you don't, you know, a car, an apartment, the studio,
Starting point is 01:10:16 that's it, you know, and being able to buy a good meal at a restaurant. That's really what's important, you know, being able to go out and travel. But I don't think I ever need like a $40 billion house. Man, I wouldn't want to be a billionaire for nothing in the world. I wouldn't want to, I wouldn't want to have $50 million or $100 I don't need that much money man Fuck you You keep that shit
Starting point is 01:10:43 600,000 400,000 1.2 I'm cool I could do everything the nigga I could fly private if I want I can stay at this penthouse weeded the forcey You know
Starting point is 01:10:59 But I want to make sure I stay grounded and be able to hang around the common man, right? I don't need all that, man. I don't need all of that. I'm cool. My self-esteem is already high. My confidence is already high.
Starting point is 01:11:18 You know what I'm saying? I'm already dope. I already love me, right? Clothes don't make me, right? A car don't make me. You know what I'm saying? I don't need all that, kid. Do you think anyone could rebound like you did after prison?
Starting point is 01:11:36 No. What does it take to do that? Because I see a lot of these guys that get out and they struggle, you know, to rebound. You got to change, man. First of all, if you go to the joint and you've seen this and all you do is sit there with your MP3 player and you watch ESPN, CNN, Fox News, NASCAR, BET all day and eat stromboli's until it's time for you to leave the nigger you had wasted your time here
Starting point is 01:12:12 you wasted your time when I got to prison in I said nigger to myself something is wrong with you Sean I jacked myself about a car I said nigger something wrong with you your son is out there by himself you don't know
Starting point is 01:12:32 if somebody's playing in his booty or who's taking care of him you not dare to protect them you 45, 46 years old, and you're sitting in federal prison, and you've lost everything. Something is really, really wrong with you, Sean. And from right there, kid, I started to write, and I started to reflect. I started to exercise. And I only hung around the winners, because there's some winners in the feds.
Starting point is 01:13:03 Everybody's, you know, not a piece of shit that's in prison. And I said, Sean, you got to change. You have to change. Something that's wrong with you. And I changed, man. And see, I knew. I knew because everybody, a lot of motherfuckers was happy that I fell and went to prison. A lot of my haters.
Starting point is 01:13:29 And I said, I can't let these niggas beat me. Right? And then they wrote all this stuff about me on the internet with my cases. If you put my name into the Google, Sean Gumby taxes, all these articles come up and they just, you know, the assistant U.S. Attorney's Office they're going to put the slant on the shit.
Starting point is 01:13:44 They're going to have you. You read, you be like, damn, this little fuck. Tell me, ah, man, I would never talk. And that was nothing. Yes, I had committed a crime. I was wrong. I committed fraud tax.
Starting point is 01:13:56 But the way they wrote it, you would have thought, you know what I'm saying? And I said, man, no way. And see, my son got my name. I'm a senior. I said, I can't let my man grow up with this blemish on.
Starting point is 01:14:08 name like that so I got to make a comeback but everybody ain't got it Ian everybody's not a hustler like Ian Bick you know what I'm saying everybody everybody's everybody's not a hustler like Sean Gumbie you know some niggas all they could do was sell drugs all they could do was you know uh do white collar crime they're not able to transfer the mental acuity right and the the cognitive function from something negative to something, something illegal to something legal. A lot of motherfuckers can't do it. So they'd be stuck.
Starting point is 01:14:46 But I was going to come back. I was going to come back. I got my confidence back in prison, man. That shit changed me for the better. It was a great experience. It was a spiritual experience. Mawfogger, I say that to something, but they'd be like, niggas, you crazy?
Starting point is 01:15:03 I said, man, it was a spiritual experience for me. I don't want to go back. It's a fucked up place. It ain't no place for a man to be. But I made the time work for me. I didn't do the time. The time didn't do me. I did the time.
Starting point is 01:15:21 I read books. Me and my man, we used to have contests. You know, we're going to get this 200-page books. You could read it first. Read the fastest. How long it took you? Or about an hour and 20 million. I'm going to beat you.
Starting point is 01:15:35 And then we'd have to sit there and you'd have to, you'd have to expound upon what was in the book so that you could know that the other person read it. You know, I was on that. Read the Wall Street Journal every day. Every newspaper they had it,
Starting point is 01:15:47 give me that. You know how I go. Yeah. I knew I wasn't going to struggle, man. I'm a winner, man. I'm a bad motherfucker, man. I'll give you that, Sean. I'll give you that.
Starting point is 01:15:58 I'm a bad motherfucker, man. I said, man, I'm going to make a comeback, man. Because motherfuckers ratied on me, man. people that I knew and I was like, yo, I was better than you before and this is what you do, all of the...
Starting point is 01:16:16 So I'm gonna be better than you again and when I come back, I'm gonna put it in your face. You know what I'm saying? And sure enough, as soon as my YouTube blew... And I had no idea because I was low-key nigger now. I didn't have a Facebook. I didn't have a MySpace.
Starting point is 01:16:30 I had nothing like that because I'm living a criminal life, right? So I don't know why in... I make the content that I make. I don't know why I say the things I say. I don't know. I didn't go in and see, yo, when I get out,
Starting point is 01:16:44 I'm going to start a YouTube channel. I did not do that. This is where the Sun Moon of Stars has led me. And now, all the motherfuckers that turn it back on me, like, Yo, Sean, could I collab with you, man? Shoot some colors.
Starting point is 01:16:58 No, motherfuckerner, don't go like that. No. No. Well, I'm glad I got to shoot so Calatown. There ain't no question. It ain't no question, man. Well, Sean, I appreciate you coming out here today, man. It was a pleasure to talk to you and get to see your energy, you know, in person because it's awesome.
Starting point is 01:17:17 It's really great. You know how to command a room. Thank you, man. And I'm looking forward to doing your show and promoting your channel even more. Thank you, man. Ian, man, I appreciate you having me on, man. And everybody out there, man, man, Ian, on his YouTube, subscribe. All my followers, because I'm going to put this on my community tab.
Starting point is 01:17:36 I'm going to put this on my Instagram. don't just come watch Ian's page subscribe man dude showed me love invited me in show love follow him on his Instagram which Instagram me
Starting point is 01:17:48 Ian Beck Ian underscore Ben All those links are going to be in the idea follow him man Ian appreciate you man Yeah appreciate you brother Peace

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