Matthew Cox | Inside True Crime Podcast - Boeing Hacker Exposes Executive's Secret Files

Episode Date: August 1, 2024

Boeing Hacker Exposes Executive's Secret Files

I got fired from Boeing. I've never shared this, but three years ago, I hack his computer. He has hidden files in there. Come to find out, this guy is... Are you serious? I remember hearing conversations back when I worked there that Airbus is moving. What are we doing for Boeing? I worked as a software engineer for them.

Started out as a software engineer and quickly shifted over to hacking. Why and how is that work? Yeah, so Boeing was really growing and tech-wise, and they wanted to shift like their young talent to kind of learn different things. And so they were like, hey, you want to switch to this team to learn about hacking? It's like, heck it. You know, because one of the guys explained to me, he's like, the best developers know both sides of technology. They know how to hack it and they know how to create it. And so I knew how to create it, but I never understood the hacking side.

And so once they moved me over to this team, they sent me to like Sands conferences. And so. Sands conference. I don't know what that is. A conference for hackers. Okay. Where you learn how to hack, whether it's web application penetration testing, red team, blue team. So like software security type things.

Software security. Literally. Okay. Yeah. So I get in there. I'm in these rooms and I'm just learning a ton of shit that I've never even thought about. It's like, wait, there's literally people sitting on the network and watching all of the traffic. So, for instance, when I say people sitting on the network, let's say you log into, you're at an airport and you log into their free Wi-Fi.

Right. There's people sitting on their laptops with software. I'm not sure if people still use the software. It's called Wireshark. Okay. And so they tap into that network and they just sit there and just watch people's packets go through. And they can basically open up those packets and see, like, what type of passwords you have,

password crackers, and then that way they can jump into your... So these are hackers. These aren't people that work for the airport. This is some hacker who's sitting there with his laptop and waiting for you to try and log in to check your bank account so he can try and get your information from your bank account so that now he can hack in and he could maybe move money around or contact you and say, hey, I know you're with Wells Fargo. Right.

You know, we're from Wells Fargo. We just noticed that, yeah, you know, there's that scam that's going on around right now. You know what I'm talking about? It's where someone contacts you, they use a spoof app, and they contact you, and they say, hi, I'm calling from Wells Fargo, you know, and they always, they know you've got, like, you know, where they know how many accounts you have, like, they know enough to convince you that you're with Wells Fargo. Yeah.

So they're like, hey, we noticed your personal checking account. Recently, you went to go pay for something for $500, about 20 minutes ago, but it was in Chicago. Was that you? And, you know, just checking because it came up on our software. And they're like, no, that wasn't me at all. They're like, okay, well, we're going to go ahead and reverse the transaction. But real quick, we're going to go ahead and send you a pen.

So I'm going to send you to a pin just to verify that it's you. And then you're like, okay, and then you get the pen. Well, they've, what they're doing right now is trying to log on to your Wells Fargo. Yep. And Wells Fargo verifies it by sending you a pen. You the pen. You the pen. Right.

So they get the pen. You tell them, oh, it's 9960, you know, 625. And they go to 9, 9, 625. Yep. Okay, thank you. We just wanted to make sure it was you. All right. If anything goes wrong, we'll call you back.

Don't worry about it. It's going to take us about 20, 30 minutes to take care of this. So we'll contact you if we need anything else. Otherwise, you'll see it on your app. And now what do they do is they send? They immediately take 500 bucks from you. And then they wait. Then they call you back and they go, listen.

Another transaction is trying to go through. We're going to need to close your account and move to start another account for you. It'll be the same, the same, you know, It'll be a personal checking, but we're going to go ahead and need you to authorize that. We're going to send you another pen. They send you another pen. You give it to me. Oh, it's 7205503.

They go, seven to your, okay. And then they transfer like $3,000 out of your account. Yeah. And then they say, well, don't worry, you're going to be notified. We're going to send you an email, whatever. And then they, if that goes through, then they call you back like 20, 30 minutes later. And they go, hi, listen, this is a real problem. Whoever it is, stop our ability to transfer the money.

they've just taken $3,000 from you. But don't worry, we're reversing that. But I'm going to go ahead and need you to verify your pin or your identity again. We're sending you a pin. You give it to them again. Like these people literally, it will drain $80, $100, $150,000 from your account. Because once those go through and you're talking to someone you think from Wells Fargo. And if you look on your phone, it says Wells Fargo because they're using a spoof app.

Right. But before you, you know, no matter what, it's there's so, they've got you so convinced and they're transferring. They will keep transferring money until the real Wells Fargo goes, what's going on? Right. They just authorize these transfers. Well, yeah, I'm talking to you right. You guys right now.

You're calling right now from your security, whatever, you know, your fraud department. So we're from the fraud department. What are you talking about? Nobody's sending you a pen, you know? So, yeah. Yeah, that's huge. But people are always like, well, how would they even know that I'm from Wells Fargo? well, they've a ton, or that I have a Wells Fargo account.

Yeah. They knew I had a business account and a checking account. They knew I had two savings accounts. They said the specific one that's being attacked is this one. Yeah. Well, then obviously that's the kind of thing that they're getting through the packages or somehow or another they're figuring it out. Well, they don't even have to do that.

They can just send you emails. They can just reach out to you. They can have you fill out a form where they can get your emails. Like, that stuff's easy. It's easy to buy information nowadays. But, you know, people freely. give up their information. They don't even realize what they're doing. I check it, bro, everybody that sends me anything.

I immediately check the email where it's coming from. Right. You know, it's like coming from like Croatia. Yeah, exactly. It's coming from Zimbabwe or something or something. I'm like, stop it. So a lot of people get their Instagram accounts hacked because they think that it's coming from Instagram.

But what you need to do is actually look at the verify that the email is actually correct because they might put I-N-S-T-A-A-G-R-A-M dot com. One letter. One letter. And you're like, oh, yeah, it is from Instagram. Okay, let me click this link. Let me verify the text, the pen. Put that pen in.

That got sent to my phone. Now they have your information. Now they're in your account and they close it and all sorts of stuff. Or they'll do something like Instagram contact. They'll just throw another word in there that seems reasonable. I see Instagram. It's got to be right. So you've got to pay attention to the domain for sure.

That's the easy one that people miss. but a good movie that people should watch is beekeeper. Bekeeper. That's a good... It looks so stupid I haven't wanted to watch it, bro. When I tell you, that's probably one of the best movies I've ever watched in my life. Really? Beekeeper.

Well, see, they shouldn't have named it Bekeeper. They probably shouldn't have. I mean, it looks more like I keep thinking, beekeepers are secret spies or something? Like, I can't watch this. I watch this. Do you say it's good, though? Yeah, because at first, I'm on a Delta Fly. I'm flying.

flying to, but I'm like, I don't want to see this. And all the other options I've probably seen or I didn't have any interest. I'm like, okay, let me state him. I like him. He's a good action. You know, he does great action movies. I click on the movie when I tell you, like, the movie was phenomenal. Right.

Amazing. Viewers, go watch that movie. Well, I'm not watching now. Now I watch it. Yeah. But speaking of those things, we did a lot of that to, like, when I finally learn how to do web application penetration testing and things like that. That was like my official title, web application penetration tester. Right. But they would have me go, because of my internships

back in the day before I officially became an employee, I would go fix phones for all the CEOs in the company. So when I was an intern in St. Louis, I would go into the CEO's office. They're not that smart, right? So they have like broken black berries or they forgot their password. They don't know how to reset, just stuff like that, right? So I had that type of experience of working with high-level execs. And so when I became an official employee, they looked at that. And I'm like, okay, we got some things that we want to do because we have to increase our security with these high-level executives. And so we need to basically see if they are going to pass all these tests. And so I would literally go into their offices, meet with them, and just gather information.

Did you get any good stuff on Boeing? Do you get any stuff on what's going on with Boeing? Cutting costs. Not quite. I'm going to get to that point. Do we really need a rivet every three inches? Man. Can we skip a rivet?

Can every six rivets we skip a rivet? How much will we save? We'll save $12 million. Or, you know, I think that's reasonable. That's reasonable. Listen, man. It's a rivet. Can we use plastic rivets?

Do these all have to be aluminum? Man, when I tell you, conversay, I remember. hearing conversations back when I worked there that Airbus is moving so many, so, so many planes, we're lagging behind. Right. Airbus was kicking ass. Airbus was just pushing out planes and Boeing was losing a lot of market share. Right. So now looking back, I can see why Boeing was rushing. Why they're cutting, cutting costs. Yeah, cutting safety protocols. Yeah, asking people to look the other way. Let's get this done.

yeah you kind of got a sense of that was going on even when you're working there it was like okay we down but behind like 35 planes while they got like 70 planes you know already done and ready for market right so yeah we did nothing nothing no emails about like hey this employee's causing problems he's got to go no not that's it right jimmy Jimmy Thompson We got to We got to get somebody out there From the Boeing

Who has skunks works One of them has skunk works One of them has skunk works one of the They actually have a department called skunk works Where they work on like special projects But Boeing's probably got some black bag group Called you know You know

The dark domain department or something like that And they say call call Jimmy over the dark domain department Get rid of this guy Hey, listen, Boeing is a huge company. That company has companies within it, you know. Where was it? There's Lockheed Martin is in Florida somewhere. Yeah, yeah.

I drove by it the other day. I've seen a couple offices. There's one on the way to Lakeland. Yeah, it was, listen, I drove by some massive, like, building. I drove by, I was like, it's fucking huge. And as I'm driving, it said Lockheed and Martin. I was like, yeah, Lockhees everywhere. Yeah, yeah, I mean, that's cool.

Maybe they have skunk quirks. Somebody's got skunk works. Have you ever heard of Skunk Works? You don't watch anything on fighter jets. That's the problem. No, I don't. You got to know, okay, it's Lockheed. Skunk Works is an official, official, what is that?

She's a pseudonym for Lockheed Martin's advanced development projects. So they work on all the things like all these special aircrafts and everything through skunk works. Sorry, go ahead. Boeing. They got a Boeing has to have one. They have to have a skunk work. No, they for sure have, you know, special projects for sure. If my buddy, Chris Marrero was here right now, he'd tell you all about how Boeing has, they were given special, like, UFOs that had gone down and they've read, he's insane.

But they tell you all about Boeing or Lockheed, how they've, they've, oh, they've alien technology. I believe it. No, seriously. Are you serious? Yeah, like, I, see, I laugh about that, but then again. I mean, I laugh about that, but then again, like the Navy came out with those fucking. videos of like the tax going to

like this our technology our mathematics we don't have enough mathematics to actually create you know do that right

we go all the way up to what physics you know there's math past that you know and so we can only go linear

this way we might can go up we can't do that right we don't have the technology at least not yet but what's what Chris says

yeah Chris says it's all alien yeah we don't understand it I mean well you'd be a fool to think that we are the only intelligence in this entire universe. You know, it's just arrogant.

Yeah. Well, I think mathematically, it's impossible to think that you're the only, that we're the only, you know, if you, you know, if you just do the, the equations of, you know, just the stuff of life is, you know, what was his name? Not Carl Sagan. It was, anyway, yeah, no, Carl Sagan did say the stuff of life is like everywhere. It's just everywhere. It's like there's, that was it the same intelligent life?

Is it 5,000 years more advanced? Is it 100,000 years more advanced? Is it behind us? Is it like that could be possibly debated? But the fact is is that life is everywhere. And it's going to advance at some point. It's always going, evolution is always going to be, you know, life is going to be evolving just as a basic just survival. But whether they're, you know, it's just to me, I used to always be like, yeah, but why would they be interested in us?

But the bottom line is, is that, you know, in the end, after seeing those videos, it's like, you know, Because when I was growing up, you would mock people that believe that, right? Like, and the industry mocked people. And the industry pressured you not to say, if you were a pilot and you saw something strange, you didn't, they're like, do you really want to go on record of saying this? Like, you could lose your job. You could be mocked. You could be blackballed in the industry. Next to you know, you can't get a job.

They're like, this guy fucking thinks he's seeing fucking flying on, flying saucers. You don't want him flying a, he's not flying a 777 with 400 people or. 250 people on it like we're not putting your we're not having hiring you right who knows what you'll do you're crazy yeah so they are like do you want to say this it's like no did you ever see close encounters of the this is why i shouldn't drink coffee by the way um close encounters of the third kind so in it they actually talk about there's a pilot they're actually i think two pilots that see something yeah and they're flying it's at the very beginning in the movie and the air traffic controllers are listening to them and having a conversation what is it

It's this. I don't know. It's this. I can't quite, don't quite know what it is. It's a light. It's following us. It's all over the place. Then another plane says, hey, I can see it too.

It's right there. Holy shit. What is that? And they're like, oh, my God. And then when it disappears, they said, okay, do you guys want to make an official, an official report of this? Yeah. And at this point, there's four or five guys standing around the controller.

Right. And he's like, like, I can do it if you want? And they're like, you can hear him going, fellas. He's like, do you want to put this on record? Yeah. Yeah, you know, Tower, I'm good. I don't want to know what. It could have been lightning.

Who knows what it was? Like, they immediately start backpedaling. They were excited in the moment. Then they started realizing, like, how's this going to sound? You ever hear about that Japanese pilot who was flying and he saw, he described like this huge object and he actually wrote an image of it? He was like, it's, it's the length of like three football fields. Right. And that's like half a mile by half a mile.

Yeah, it's massive. It's huge. right. Yeah, we don't have anything that could stay up like that. Maybe a blimp or something we could. Yeah, but he was saying like I was coming out of this, this big, this big one. Okay. Yeah, and he just, he wrote it out. He wrote a sketch over. This was back in the, I want to say like the 80s or the 70s where he wrote this and pretty much described what, you know, the planes look like, you know. What's so interesting is, you know, Farrakhan, you know, Minister Farrakhan, they always talked about UFOs back in like the 50s,

like to describe like these planes and how they would move and, you know, what they do, you know. And it's so interesting now that a lot of that information is, you know, being kind of verified like, oh, no, this stuff really does exist, you know. And one thing I've always thought about is like, if I'm, if I'm a high intelligent, you know, people and from another planet, you know, we're made up. of what's what this planet is made up of right like we have all these different you know cobalt all this stuff in our bodies you know all this carbon all that we're made up from this universe right i mean this this planet like you got people on mars those people are made up from whatever mars is made up of but the reason why i'm bringing this up is it's like if i'm looking at you think there are people on mars i do believe that are you serious i believe that there's people on every planet and they're

made up of what's on that planet and i'll say there I wouldn't want you, if I know what's happening on this planet and I'm able to come here and look at this, I'm like, I don't want them coming to where I'm at because they haven't even solved their own problem. So why would I allow them to, you know, know about us or allow them to, you know, come here? Maybe they have solved their own problem. Maybe they're just coming to visit. It's like the zoo concept. They're just coming to check us out. But that's my point.

That's what I'm saying. I wouldn't want to allow human beings to come to. To Mars or to Jupiter or these other planets. In fact, we can't even get to these planets yet. We don't have enough technology to get there. But I wouldn't allow you to see me, see what's going on here. Okay. If what's going on in your planet is crazy, you know what I mean?

So you're saying that if you were earthlings, you don't want other planetorial. or aliens from alien planets coming here to watch us. If I'm a Martian, I'm not going, and I'm able to get to your planet and see what's going on on Earth. Right. I'm like, okay, I'm not. You guys, I'm not going to even allow you to see what's going on here. So if you're a Martian, you don't want Earthlings to see what's going on. So you're saying that they're hiding on their planet, not allowing us to see them.

Right. I'm saying that. I'm saying either that or we are not actually seeing what's going on. Like NASA probably is, you know, lying. I kind of think, you know, I don't believe that they're helping run our government and our world. Like this, that's what Chris thinks. Chris is like, oh, no, they've been here for whatever, 50 or 100 years. They're helping the governments of, there's really one world government, he believes,

and that they're working with the various aliens. And those aliens walk among us and they look like us. And they don't really look like us, but they, did you ever see the movie? It's basically where aliens are like, you could be an alien. I don't see you as an alien. And it just happens that they have these sunglasses, these special sunglasses. If you put them on, you realize, like, suddenly I'm like, oh, my God, like you're an alien. Yeah, yeah, yeah.

And everything looks different. They live. I think it's called They Live. It's that black and white movie? It's not black and white, but if you put on the sunglasses, you're black and white. And they show, like, all the stuff about the earth and, like, everybody's, you know. Trying to get money and... Right, right.

If you look at advertising, it might be advertising for suntans screen or for sunscreen. But if you put the glasses on, you look at it, it says, like, obey the government. That's a good movie. Or it says, consume. Yeah, yeah, yeah. Or work harder. That sort of thing. Super, you know, B movie.

It's a B movie. Yeah, yeah, yeah. Like, just like New York State escape from New York or anything. There's lots of B, but there's lots of B movies that are great movies. that's one of them. Yeah, I agree. But I heard something the other day, and we can get back on topic, although this is probably more interesting than what we were talking about.

But I saw something the other day, and oh, God, I can never remember his name. He's a scientist. I'm so bad with names. Black guy, he's got kind of an afro. Degrass. Yes, yes. Tyson, I think it's Tyson DeGrasse or something like that. Something like that.

Oh, I know. I'm horrible with names. But he was talking about, he said, imagine if aliens did come. here. Yeah. And they saw us. He said, and they're not showing up, where they're not letting us know that they're here watching us and observing us, just like maybe we don't want to let an ant pile know, you know, our ants know that we're observing them. We want to, if we want to observe them in their natural habitat. He said, even if you said, okay, well, yeah, but we do know you're watching us. We figured it out. Why aren't you contacting us now? He said, what makes you think they want to

contact you. He said, we're savages. That's what I was trying to explain. He was like, imagine that they're a silicone life form that derives all energy from the sun. And they come here and they see us, they see us cultivating species of cows to butcher them and eat them. They're disgusted by us. They're like, you're savage. Look what you're doing. You're killing life. Right, you're destroying your planet. You're breeding an entire species to chop them up into pieces and then you eat them. Like, you're living things to live. Like, you're horrible people.

We don't want anything to do with you. We're just observing you because you're so bizarre to us, but we have nothing to say to you. We have nothing to say to ants. They can't contribute to us. There's no reason for us to contribute to them. We're just studying them. So he kind of gave that. example, and I thought, that's a pretty good example.

Like, they're so far advanced. Right. Like, for instance, they could, you know, they can travel, you know, vast amounts of distance. And, you know, we can't break, we can't figure out how to break light speed. Yeah. Like, nothing can go faster than light speed, right? Like, when you become too heavy, you just cannot, we can't conceive of the ability. Well, we can't conceive of the ability to physically go faster than the speed of light, right?

Right. Like, that's just mathematically impossible. Right. A physical object. You could say wormholes, that sort of thing. But somehow or another, if they've beaten that, and they don't need anything from us, people are like, oh, well, they might need water. Why? Water's everywhere.

Well, they might need your planet. If they've beaten the ability, if they've already figured out energy, traveling distance, all of the things that stop us, then guess what? They don't need our planet. They can take any planet and they can terraform it to whatever they want. They're that far advanced. They need nothing from us other than maybe just to observe us. There's no reason for them to talk to us. They don't need anything.

Yeah. Like, our values are so different. Like, our economies around the globe is driven by money. Yeah. Paper. Yeah. Like, just think about that. To them, it may be so foreign that we're eating each other and we're consuming these animals and we

can't figure out energy and we're slowly. and we're starving to death and viruses are calling us off. And they're just like, this is, like, what are we doing here? Look at every periodically, they go to war and half a million of themselves. Like, this is, they're savage. We don't want anything to do with them. I don't want to interact with them. They got nothing to tell me.

Our minds are so primitive. I personally believe that our minds are so primitive of the things that we think to do. Because when we're born on this planet, when we're born, we, our mind is so free. We don't fear anything. I saw this one study where they put babies in a room with snakes. And obviously the snakes were... Yeah, they have no concept of... No concept.

They're over to patented snake on the face, trying to touch their eyes. And obviously the snakes are trained not to bite. These are, you know, but even if the, even if the, even if we were putting rooms with snakes that aren't, that are trained not to bite, we'd probably be still fearful. We'll still be fearful of it, some of us, right? Right. Well, yeah, once you realize snakes are tainted. Yeah, there's no, but, well, I was going to say some species are just born to no danger.

Like, humans are, we're helpless. Yeah. We're born helpless. But even still, like, they're, even, I guess my point is, is that our minds get trained to think about things because we don't, we're so ignorant to so much stuff. Like, you're, you're afraid of things because of ignorance. You do things because of ignorance. People will take advantage you because you're ignorant. You make decisions when you're ignorant.

instead of like knowing how to handle a snake properly. Knowing how to, like I saw this dog whisperer. Like this guy, he knows how to handle vicious dogs. And in like three minutes, five minutes, the dogs is sitting right next to the person, the guy with his muzzle off. Right. But he understands. He's not ignorant. He understands the language of these animals.

And so when you know how to approach a thing properly, there's no room for fear. Okay. Because you know what it does. Right. You know how to not make it one. to attack you. Right. And that goes for pretty much anything, you know.

We have the power to actually control things in our environment. We just got to know how to approach it properly. And, you know, and that way, once you know that, you know how to handle things, you know. You want to go back to Boeing? So you were saying you were going into Boeing and to the executive offices to try to get information out of them, right? So I kind of like train them so to not give up information. Yeah. So, yeah, how were you, is that what it was, that you were trying to train the Boeing executives to not give?

I thought he was, I thought you were just saying, like, sometimes they would get locked out of their phone or they would, they didn't know how to put an app on or something. Like there were, there were issues with, like periodically, these are guys in their 50, 60s, this is a brand new technology. You're coming and say, no, no. We would actually change their passwords for them. So the red team would change passwords for them. Okay. And they told, they would send us into their offices. And we're talking about high-level execs, CEOs, CFOs, and stuff like that, because they're handling a lot of information that's coming through their emails.

They're sharing information. Okay. You know, that... Oh, okay, okay. And so if they're handling this type of information, they should be the main ones understanding security, right? And so Boeing went on this huge push about this, right, where everybody had to rank high, everybody within the company, especially these high-level execs. And so the Red Team is like, those are like the official top tier hackers. Like, they don't need anything on you, right?

But in this case, they sent us into these offices. He was like, reset this password. Let's see what type of information he gives up. Let's see if you can get this information just off of, you know. Him believing you're another employee of the company. And so you tell him, I'm Todd from HR or whatever. And then you ask him some questions. and then he just gives it to you because he thinks you're an HR, but really you're not.

Or I'll just ask him like, hey, is that your daughter? Like, I see a picture. It's like, you just ask him questions like that and they'll start freely giving up information. I was like, oh, okay. And then you log, put his password in and it's his daughter's name plus her birthday. Oh, okay. It's like, dude, what are you doing? Right.

Like, we just sent you an email to change that password to uppercase, lowercase, has to be at least 16 characters and ad.com in there. Yeah, and then you just use your daughter's birthday, right? Yeah. So you're extremely vulnerable. So you're vulnerable to the company. And so you have, you fail enough of these, we're going to have to demote you. Right.

So you take what, like they're, you demote their security level? Yeah. Okay. Because I was going to say I, so I've done a bunch of, I shouldn't say a bunch, but I've done several, um, uh, cyber conventions where they, you know, they'll have like a, you know, they'll have like some cyber convention that, you know, they have, they sell products, you know, they sell a bunch of different security products. I mean, I also done one. just for like a cyber security company. And they had like their annual meeting and they had me come in too.

But usually I just go in and I tell my story. But when I was first contacted, they were like, we'd like to talk to you about coming and giving a talk. And I'm like, bro, I'm not like, I don't know anything about cybersecurity.

And they're like, no, no, we feel like you'd be a, you're a good fit. And I went, but I don't know anything about it. And they go, well, I understand. They said, we've noticed from watching some of your stories is that you're really good at social engineering.

And I would go, yeah, okay, but that is nothing to do with hacking. And they go, yeah, they were like, actually, it has everything to do with hacking. They said, I know, Matt, you've seen some movie where the guy goes and he goes on the website and he breaks into the code and he enters the code. And next thing you know, he's got access to all these things. And he's searching emails and he gets access to bank accounts. I was like, right, right. That's hacking.

Yeah, that's hacking. He said, but that's not really how it works. Right. And then he started breaking down. He's like, it really is, he's the biggest breaches and security start with social engineering. Fishing attacks. Right. And he started explaining about socially engineering.

Like, you know, they get, they get an email that they think is from somebody they know and they click on it. Or they think it's from their bank and they click on it. And before you know, they're answering questions and before you know it, you have, you have access. to their bank, or they get an email from someone that they think works for, for example, like this is an executive in Boeing who gets an email from a department in Boeing from an employee that he knows, and they start asking him different questions. Yeah. You know, and then they say, hey, what's going on?

How's this? How's that? Hey, I saw that you, hey, I heard your daughter had a birthday party, you know, did, you know, hey, I hope you enjoy that. And he's like, but, you know, keep in mind, they, they figure that out by going. going to his Facebook prior to that and saw that he had posted pictures of him at his daughter's birthday party. And he, then they found out that this is a friend of his, a mutual friend of his that

works at Boeing. And he contacts him. So he immediately like, yeah, Brad, it was great. Hey, you know, how's this? He said, before you know, they're having a conversation, conversation through email. And he just starts giving up information about projects, stocks, whatever. He just starts telling him all kinds of things that are going on. He's like, the next thing you know, he's, you know, two days later or a week later, he asks him, hey, can you, I need your code.

I have to reset this. What's your code? He gives him his fucking code. Like, it's like, all kinds of stuff. He just starts giving up. And I was like, are you fucking serious? They're like, yeah, all. They're like, those are some of the biggest hacks.

Start with that. I got to. So you remember that, this is why I always remember this. Remember that CEO where he had the, his daughter's name. and her birth date. So he used that password for his bowling login as well. So I go in and I hack his, I get his IP address, I hack his computer because we're all on the same network.

So I go in, I hack his computer. He has hidden files in there, easy to access. They're hidden, but you can access them on the command line, right? And so I access them and go to the hidden files, come to find out. This guy has nude photos of interns, and I want to say it was his assistant on the Boeing fucking network. So he's what, he's banging his assistant or something like that, which is like a huge breach, right?

Like if you've got a wife and kids, like now you're subject to being manipulated by foreign. Yep. Yeah. So that's a honey trap. What, kind of like they call it, you know what a honey trap is? You've heard of the term? Yeah, I've heard a honey trap. I don't think that's a honey trap.

No, it's not, a hunting trap is, but I'm saying it's still kind of. You are levered. They can leverage you. Right. Honey trap is when you, they send a girl in to seduce you and get dirt on you. Of course, you start fucking her. They've got photographs, everything. And now they can use that as leverage.

Like, yeah, you're married. Like, you don't want your wife to get these pictures. You don't want to get fired. Right. And all we're asking for is this one thing. We just need to know when is this going to go public? Right. Is that on, is this project on track?

Like, it starts small. Yeah. But I'm saying the same thing. It's kind of a hunting trap because it's still, they're using stuff against you. Like, it's a different version of it. But yeah. So, yeah, that guy got, got, he got fired. Damn.

Because, like, for the very point you were just talking about, like, other companies can literally leverage you and get information out of you for however long they want to. Or foreign, foreign companies, you know. Exactly. Like, it's not like, like, like, China is fucking massively involved in espionage, you know. They're constantly getting caught. That always gets me, too. Like, you're constantly being caught. it's not like once.

It's like they're constantly getting caught where they'll have like two or three employees that have been working for some company for 15 or 20 years. And then eventually they find out, they're like, Jesus, you've been giving up information for 20 years. Like, how did we miss this? Yeah. Yeah, man. And that's why it's like, man, they find out the things that you love most or maybe like,

or the bad things or the bad things. habits, your bad habits, and they leverage those. That's why it's like, man, you got to be careful out here. You got to, you know, try to do as much good as possible, be as good as possible. None of us are perfect. I mean, it's almost impossible to be perfect, right? It is impossible. But yeah, man, they'll find out what you love most and, you know, try to get you on that. So if you love women, if you love drinking, if you, whatever the case may be, they'll start there. There was a former FBI agent that we interviewed. And Jim Dior, And he now worked for a company, which is he and another guy, I think, are running a security company.

The other guy is a former CIA officer. And they do like executive, high level executive security. And like one of the things Jim was talking about was, you know, can a shooter get to where the CEO is? could he go up like if I wanted to the the owner of Boeing or whatever Lockheed Martin if I wanted to could a disgruntled employee even get

to that person and typically they're like well after they're fired like if you fire these people can they then get to you they're like oh no they'll never get back in the building and he was able to basically say he's like are you sure about they're like oh positive even if you could get in the building

he can't get to our floor even if you like they had all these oh no we've got this many levels of security. It was like two days later, he's standing in the guy's office. Yeah, that's funny. He's like, he's like, I was never patted down. I was never, like, he just had all, he just, like, what was one of the ones? He's like, if you walk in, if like two guys walk in with wearing overalls and they've got

a ladder, he's like, like, you can, you, first you call in and say, I'm calling from this office, we've got some guys coming. Right. Or we had a fire or we had whatever, you know, you call them a fire. There's just a whole one or two things you can do so that they're already prepped to know there's a repair. There's repair people coming. And they walk and they go, hey, where's the repair or the, whatever they call that elevator for the, you know. Special floor.

Yeah. Well, not special for, but for like workmen. Like they don't get to go in the regular elevator. They can scratch it up or, you know, where's the whatever I call, what are you, the access elevator, whatever they call it. Oh, it's over here. And like the security guard will walk you over there. They can give them nothing. Or maybe you have an order

You know bad you up to you. You have some bullshit fucking invoice or order to do something And they walk you there and put you in the Next thing you know, you're walking around the place and you're Hey, we need to get to such and such. Oh yeah, yeah. So and so gave us here's the thing. Oh, yeah, yeah, here, get in the elevator.

Here, I'll punch in my code. Next thing, you know, you're... So it was something along those lines where he, three days later, he's standing in the guy's office. He's like, bro, I had a gun and I'd been fired. You're done. And nobody even knows me here. Like, if I was an employee,

that had worked here and people are used to seeing me, I could have walked right up here. So, yeah, it's those things that people don't, it's the same thing. It's kind of like the, you know, the Trump thing, you know. It's just like nobody, everybody is kind of looking the other way and expecting somebody else to do the security. Right.

You know, and even though you're the security. Yeah, everybody's, security. So-and-so would have picked up that. Or if he got this far that he's okay. Yeah. It's kind of like that, what is it? If you can get through the first layer of defense and get into the department, that was the Snowden thing. Where it's like, if you can get past your security check and now you're in the building, he's like, once you're in the building and have access, you have access to everything.

Yeah. He's like, you can go wild. Just, he's like, but you never should have been able to get in the building. Yeah. So. Yeah. Growing up, you know, I think my dad always taught me great lessons. And my grandfather did, too.

He said, you know, take charge of this post and everything around you. So every, as far as you can see, you take charge of it, you know. And then he's like, well, he said, walk your post in a perfect manner, keeping always on the alert. Yeah, I don't think anybody would be upset if you stop them and said, hey, I'm sorry. You know, I don't recognize you. Yeah. Like, who's going to be offended by that? Nobody.

Right. It's like getting, it's like going in for a job interview. And my dad told me this. And it's funny because I've told my wife this multiple times. she's going on like a job interview. Yeah. Well, they said they call me. No, no, no, no.

Nobody's ever going to not. They always say, well, we'll give you a call at a couple of days. A couple days later, you haven't heard anything. I'm like, you should call them. Well, they said they call me. No, no. Yeah. No one is ever not going to hire you because you call.

Right. You know, even if they say, oh, yeah, yeah. No, we haven't made a decision yet, but we'll let you know. Okay. Call back in two days. Yeah, yeah. Look, you know, my dad would say, he's like, listen, sometimes that's the guy you hire. Why?

Because he's, because he's not a, afraid to call. He's a go-getter. He's ready to, you know, he's the guy you want. He's assertive. So the other guys are kicked back waiting. Well, I don't want to hire a salesman that's kicking back waiting. I want the guy that will make those calls. I'm not ashamed to make that call. You're not going to not hire me because I made that call. Same thing with security. If you stop somebody, you're not going to get fired because you stop some guy who's walking around with a fucking rifle, you know? Right. Or even if you're in, if you're in Boeing and you see somebody and you don't know who it is and you're like, hey, hey, just a secure level.

Let's verify. Why are you here? Always verify. Right. Do you have something? Do you? Yeah. Yeah.

Because the more you know, the better with anything. I can't imagine anybody would get offended by it. I'm offended. I understand you're offended. But let me see your order. Like, what's too let you in here? There's always a way to properly handle people. Right.

You know, even if someone's angry, mad at you. You know, I can always say sorry. Yeah. Sorry. That was my fault. My bad. I apologize. That was out of law.

line. I give a fuck, you know. What did, what Jess did the other? Something happened with Jess, my wife the other day. And I've said this to her multiple times. She's done something. I'm like, why did you call? She's like, well, I wanted to know. I'm like, yeah, but you got to know. Now it's no. I'm like, you should have done it. And if you were wrong, then they catch it. Then you, it's always better to ask for forgiveness than a permission. Yeah, exactly. So something happened the other day a couple days ago. And she did something. I go, are you allowed to do But she was, I don't know, I'm going based on, it's better to ask for forgiveness. She was in permission.

And I said, I like it. Nice. Now you're thinking. You know, she's like, what are they going to do? What are they going to do? I'll apologize. Right. Like, perfect.

Yeah, man. Anything? I mean, I'm just curious, like, what are some other ways that you, like, are trying to get information? Like, would you give them, like, fishing links to, like, try to get their information? Or, like, what was that whole thing with CEOs or the, like, yeah? I guess from my position, I was just gathering information and reporting it back up to the red team. I was sending them links. I was watching their network a lot.

A lot of stuff was encrypted. How long ago was this? This was back in 2014, 20. Still pretty fucking recent. Yeah. It's not like fishing is a new thing. These are so much more advanced nowadays. Yeah, now.

You can just listen to people's conversations like from the phone now. days, you know. I used to play online game. We stumbled across the fishing site, and we had access to the back end. And we would just send people, oh, yeah, go to this link to check this thing out for the game, and they would go there thinking they're just going to, like, learn something new. And they would click it, and then they'd get a pop-up saying they've been logged out. And they'd log in, and they'd just send their information to, like, a notebook.

Every day, we'd pull up the notebook and have, like, 10 log-ins. You know, things changed when they were able to store data. on nanoparticles, terabytes of data. And so if you notice around like, I want to say like 2016, I want to say like 2016, they were able to actually implement that technology, right,

to where they can store all this data. The only thing that they didn't have the ability to do was literally calculate that data fast. And so once they create these software, where it's like a splunk, they can literally do things like this now. And they can say, hey, I want you to find, well, let me rewind. Because they can store this data like that, they can just record all day long without having to worry about storage, having to worry about storage.

Okay. So they can just, now they can just say, hey, I don't care. I'm going to take my phone. I don't care. Let's just record everything, every device, any computer. If it has audio, record it, right? That goes on 24-7, no problem. Now they're able to crunch that data with software like Splunk, right, where they can say, hey, I want you to find everybody in Florida who sent the text message at 5pm that are Caucasian between the ages of 26 and 45 and they were sitting on the toilet.

taking the shit park that data and find me all that list of people okay they can do stuff like that now so just imagine what they can do because of all that recorded data you don't care about what you're saying

they can find out what you're saying later so find out what you're saying later so find out all the people who said Trump right at 2 p.m. on Sunday where he almost got assassinated well I was going to say I did that

that podcast with Danny the other day. And I mentioned, one of the things I mentioned was, because we were talking about just the different theories, right? Yeah. Like, I think it's just a 20-year-old that is disenfranchised, you know, homegrown kind of terrorist that decided, you know, he's extremely liberal and he's decided he wants to have Trump.

He doesn't want him to be president, whatever. Okay. That's what I think it is. But for the sake of content, you know, we're, we kind of talked about the multiple different conspiracy theories that are out there. Yeah. And I was saying, you know, one of the conspiracy theories, of course, is that, you know, he was, he was a plant from, or he was, he was a patsy, right? So, you know, kind of like Oswald.

Okay. And I was saying, I was like, I mean, let's think about it. And so, of course, then Danny goes off on a tangent and starts talking about Oswald, how he was, well, yeah, Oswald had done that, you know, you know what I'm talking about, right? Okay, Lee Harvey Oswald, Kennedy, sorry, just in case anybody doesn't understand. You know, and Oswald, of course, was saying, I'm a patsy. Like, I didn't do this. They put, they're placing me here to look like I did it, but I'm not. I'm a patsy.

So I was thinking, and that was back in like the 60s. So it's like if that was in the 60s and you could track you, you could find a patsy in the 60s, how hard is it to do it now? Right. Now it's simply you go to the NSA and you say, we need to. find all of the people that are, that are anti-Trump, that have the, that are proficient at shooting, that are members or have gone to shooting clubs that have a left-leaning, that are extremely left-leaning, which means you have to have gone to certain websites, you know, you know,

in this area, or maybe one of these five areas, let's say they picked 10 areas, 10 places Trump was going to be campaign. We need everybody there. I'll bet you they would have come up with 5,000 people, you know, that they could have said, okay, all of these people are, they are, they shoot, you know, constantly, they're constant shooters. You know, they go to these shooting clubs. They're gun owners.

They're all, you know, whatever, whatever the case may be, you know, maybe they live alone. or they live, you know, whatever, you know, they're extremely, extremely liberal, or maybe there are members of whatever, you know, whatever organizations that they felt would help support this type of, this type of person. So they could have come up with $5,000 and then say, okay, well, now let's go ahead and say people that are in this age group. Okay, so now it drops down to $4,000. You know what?

Where's the great place? Oh, yeah, this place is perfect. We can definitely control this environment. We could make one of these rooftops available. Okay. Then just people in this area. Okay, boom, we're down to 900. Okay. They have to live within an area this close of the, but okay, that. Okay. We need, like, before you know what, they're like, we've got, we're down to 15 people. Yeah. We just need to get these people. These people have gone online. They've talked about assassination. They've talked about this. They've talked about this. They don't have a wife. They don't have kids. They don't have anybody to miss them. They live alone. They're loners. They're this. They get down to a few of them and they're like, look, we got like 15 of them. This is a match. Yeah.

Let's approach, let's watch these guys. They watch them for two, three weeks a month. And one day they just approach one of them. And they say, listen, bro, we need this guy taken out. We think you're the guy. You take them aside. I don't think. For somebody who's already in the right mind frame, which you know 100% if you've

been watching him, reading his post, you know, this is a guy that wants to do it. He doesn't think he can. Right. But he wants to. And if he could, we think he would. We don't really even need them to do it, to be honest. We need them to just climb up on the roof. We're going to take them out.

We got somebody who's 500 yards away that's going to kill the president. We need that gun to have fired a few times already. We'll drop the fucking casings. We'll put the casings in his pocket. Well, whatever. But the point is, they get them on the roof. We're going to pull back security. We're going to exclude that building from Secret Service because they may actually be competent.

We don't want them. We're going to give that to. We're going to allow the local sheriff's department to watch. them. Watch that. We're going to make sure there's a, we're going to put a ladder there because the kid didn't bring the ladder. Right. So we're going to make sure there's a ladder there. Yeah, that's a crazy part. There's a bunch of weirdness going on. I, you know, be honest with you, I didn't pay too much attention. I'll watch news as much. I got my own gripe with that one. But yeah, when I saw that, that there was a ladder that supposedly he put

up and then there was a ladder that, you know, the president's security put up. Right. And there are two different places, though. Supposedly, he didn't bring the ladder. Like the ladder that he used supposedly, and I don't know because it's changing every day. Like, by the time this post, you know, somebody else might be like, no, bro, he did bring the ladder. Right, right. As of right now, I've seen stuff where they said the ladder was there and available, and it was too big for him to have brought in his car.

So someone left the ladder that was available, pulled back the deputies, and then still, there was nothing they could do for 10 minutes prior to the shooting. They already knew he was there. First, it was he was suspicious because he actually had a range finder. Okay. They actually saw him with a backpack and a range finder. So range finder, to determine how, yeah, distance. Okay.

Who's got a rangefinder? So they're like, this guy's got a backpack. He looks like a weirdo. He's got a range finder. So at that point, at first it was he's suspicious. Then as they were watching him, it became, no, no, he's a threat. So within, I think, five minutes prior, they had determined he was. He was a threat. He still climbed up on the roof. People are screaming. There's a guy on the roof. Yeah, I saw a clip. He gets...

For a limited time at McDonald's, enjoy the tasty breakfast trio. Your choice of chicken or sausage McMuffin or McGrittles with a hash brown and a small iced coffee for five bucks plus tax. Available until 11 a.m. at least time, it's on the roof. He's doing his little army crawl. The cops come. Now, I've heard two different versions. This has changed. One was he climbed a ladder, but then I saw one the other day that was from someone in the sheriff's department, I think. He, where another sheriff got a sheriff on his shoulders. He stood up so he could get up to grab on, and he pulled himself up. When he pulled himself up, the kid saw him, turned around, and aimed the AR. The guy dropped and fell and hit the ground and hurt himself.

So it was a sheriff, right? Now, they're saying he ran away, but he didn't run away. He fell and he hurt himself. They may have scattered after that thinking maybe the kid's going to peer over with a gun. They didn't run or get away. But at this point, they're screaming now they're on the radio. Got a gun on the roof. With that point, he drops down.

He starts army crawling up to the position. The other sniper has been told not to shoot. They've been told not to shoot for like three minutes. They had him in his sights. Oh, so this, okay, so they were already aware that he was there. Yeah, but this is two different to people. Sheriffs aren't even communicating with the secret service. I got it, got it.

So the Secret Service is saying, they're saying, we have a guy, he's a threat, but they're being told we're checking it out. So they're thinking, like, think about it, you know the Sheriff's Department's got that building covered. What if the Sheriff Department decided to place a SWAT team member on there with a sniper's rifle? Like, he's probably thinking like, fuck, I don't want to care of a SWAT team member. Yeah, yeah. So he's just watching him. And once the kid pops up and starts pop, pop, pop, pop, pop, pop, pop, pop, this guy goes, oh, no, boom, and shoots him. What I know about security is that there's places where only authorized people should be.

And that's no question. There's no question about that. If you're there with a rifle and you don't have this on, you're not SWAT. You're not anyone. I agree. Because we're the NSA is the top level security. but that's why he called in. I mean, I'm not going to say, but secret service for that arena. Right. But that's why he called it in. Hey, I got this guy. It's weird. But he can't really see. He's there's movement. He's on the thing. I can kind of see him. He doesn't know necessarily he even have a weapon.

Keep mind, the weapon doesn't pop up. The weapon, your army crawling. It doesn't pop up until the very end. Weapon. It starts shooting. He fires. But something is just not right with that. Who ever was head of that security for that day, failed. Well, here's what's even funnier. interviewed the head of the Secret Service, they asked her, who's responsible? She said, Secret Service. And they said, okay, they said, so they said, why didn't you have someone on that roof? The roof is, is 400 feet away from Trump. Anybody with an AR-15 and a scope can take you out in 400 feet. Wow. That's not a long, that's not very far. Wow. So she's, so they asked her, they said, why wasn't someone on the roof? She, her response was, well, the roof was, well, the roof

was pitched. And it's my understanding, we didn't want to place anybody on the roof because it has a pitch and it could be dangerous for personnel. Here's the problem. The roof behind Trump is at a much steeper pitch. And you had three snipers on that roof. Wow. So this one's almost flush. It's almost flat, right?

Right. What about that one? Yeah. Like, are you telling me that the potential for harming, for someone being in a, whatever, personnel being hurt? is more, there's more of a potential for them being hurt than for the president to have his head blown off? Yeah. Like, listen, this guy should be dead.

Like, had he not turned his head, I mean, had he not turned his head, it'd be a different discussion right now. Yeah, this, I think, you know, first of all, I don't think any president runs this country. I think that they are selected. There's so many checks and balances. Yeah, exactly. You know, those who own and run industry, I think. control, you know, this country, you know, because that's where the money is. For the most part, I would say, that's, I think it's a lot like the Fed.

Like they say, oh, well, the, like, whoever runs the Fed is picked by the president, but that's not really what happens. Right. They say, hey, here's 10 people. Right. Which one do you want? We want this one. Yeah. They're good with any of them. Yeah. It doesn't matter because they're going to do what we tell them to do. So if you're telling me, well, the president picked them, the president was given a list. We're good with any of these guys so that you can look like you picked. them right but these are the 10 guys we're good with right i like jimmy so jimmy'll do it so we talk about manufacturing right things you know i think that the situation between trump and and biden is something where it benefits those who are in power to cause chaos right now whatever reason that is i'm not in the mind of these people but for me it's like they would

I think they would love to see a civil war in this country. Well, there's a theory, and if I was a smarter person, I would be able to tell you what that theory is it's a, but I'm not, but I do know the theory. The theory is that you, it's kind of like the 9-11 thing, right? Where you, so you want to pass a bill to give the government more power. But nobody in Congress wants to vote for it. So what do we do? we relax security so much that a crisis occurs and then we say we can oh my gosh this is a horrible

crisis we can fix the crisis by passing this bill right but you wanted to pass that bill for 10 years exactly but there was no crisis so you allow things to get so bad yeah you allow the crisis and you say we've got the fix everybody wants that fix so it's the same thing you know Trump or somebody gets maybe there's a civil war and you say hey you know what like we've been wanting to take away the states to have power over the national guards. We've wanted it to be centralized. Let's say that's the argument. But nobody wants to pass that bill because all these people are represented by their states.

Right. So you know what we do? If there was a civil war and they use their national guards against the federal government, all we have to do is win the civil war or push through in order to say, hey, we're afraid the rest of these states might do it. we want 100% control over their National Guard. We need to pass this bill because we got these three states that have developed their own country and we're now at war. So we're afraid the rest of some of these other states might do the same thing.

100% control of the National Guard. Absolutely. So boom, they put in action. Of course, they beat those states very quickly. Yeah. And then they take it. Now we've got exactly what we've wanted for the past 20 years. And it gives us even more control.

But this is part of the reason why I don't watch the news because the news often. keeps the population confused one way or another. They're going to have each and every one of us not knowing the true information, right? It's going to be manufactured information to manipulate the population so that one group is always pitted against the other group somehow, some way, so where there's always confusion.

You know, I would say, you never really know a thing or know the truth of a thing until you actually experience it. Like, don't take somebody else's point of view from it because their point of view, you never know how they were thinking about it, why they were thinking about it. Now they're sharing their experience with you when you could potentially have a totally different experience. Right. You know what I mean?

Yeah, yeah, I couldn't understand. I can understand that. Like, you know, unless you've walked up, unless you've walked a mile on someone's shoe, you really can't judge them, you know. Yeah, it's like, you know, for instance, like me going, move into Pendleton Oregon. That's where my junior college was, you know. My coach was like, man, he used to be grounds for KKK. I'm just like, shit, man, I'm not trying to really be there. He said it used to be. And so I get there for two years, man, I had a great time. It was things that I've never, I thought it was going to be born. Right. It was things I've never done before. Like, River tubing. I'm from Compton. I'm not doing that shit. I've been river tubing. But it was, to me, I'm like,

that was amazing. Like, I'll do that now to this day. But, you know, Pendleton, Oregon is a rodeo town. I don't fucking go to the rodeo. Now I would Did you go? Yeah Probably went and it's fine But people all over the country Come to Pendleton

This small town to go to this rodeo It's funny You ever see the guys on TikTok Where it's like a black guy That went to like a Trump rally And he's like Like the fucking coolest people Like I really thought they were gonna fuck with me

And be say jerks You know be jerks And like everybody was so cool And now I'm starting to feel bad And like God man you said something I was gonna tell you a story I was going to tell you something, too, that was just like that,

where it's like, you know, you just don't know until you go through it. And then you're like, oh, wow, that's not what I expected at all. So for me, like, where I'm from, I'm from Compton. You know, a lot of people I, you know, when I was in Oregon and I'm around, like, you know, white people that, oh, you're from, they're all excited about it. And I'm just like, hey, you can come. I can never go there. Man, where we from and how we, you know,

experience people is like, just be yourself. We don't care who you are. As long as you being yourself, we know how to deal with you. You know, if you're a cornball, be a cornball. Don't come to Compton or Los Angeles trying to be. Fake like you're a tough guy. Right, don't do that because that's what you're going to get met with. Right.

Is that type of energy. But I've seen some of the most brilliant people where I'm from. It's like the guy, you know, those three, those bikes where you kind of sit in the seat and there's two wheels in the back and one in the front. Yeah, yeah. It's like a motorcycle car thing. They don't have two, yeah, yeah.

Yeah. What do they call them? I don't know what they call. Whatever, the tries or something like that. But I remember, so across the street from my apartments was the guy who manufactured those originally. Okay. Like I manufactured those.

White guys, white people will come to Compton and pick up their bike. Right. That he manufactured from. They're coming from Redondo Beach. They're coming from, you know, all these, you know, more wealthier areas. to the hood and Compton picking up their bikes because he manufactured them for them.

You know, obviously somebody, you know, Pat probably patented it now. But anyways, he was the guy who first started building those. Um, but. I just, I'm sorry. I just, I immediately went to, I shouldn't drink coffee.

No, well, I just immediately, I watched a TikTok today that was like, like, if this is true, like I haven't heard this before where it's basically was talking about some guy who's with an alternative energy and like he had they'd done something and then boom he disappeared yeah some other guys said another guy on the project bam fell out of a window another guy like it was like three people in a row that were a part of this program that they had had some breakthrough with like some kind of you know whatever plasma energy or whatever it was I don't know what it was but it was just it's

kind of like the guy where I was thinking about the guy who made the some engine that ran on water something you ever heard about that guy a couple guys did that disappeared All of them disappear. Their work disappears. Everything disappears. Like, you know, terrifying. Like, you shift the economy. You shift the need.

You mess up the supply and demand when you do stuff like that. Yeah. No need for gasoline. Yeah. Well, it's the same thing. They're the fool you're affecting. Well, I mean, people don't realize, like, when they dumped, when COVID happened, and they dumped all that money into the economy.

Yeah. And they're giving away money. Like, and then, and then I remember what was happening. I was like, you can't just print money. Like, I was like, this is going to call it. You can, but it causes inflation. And I was thinking, this is going to cause a massive amount of inflation. Oh, yeah.

And sure enough, now it took a few years, you know, years later, now we've got this massive inflation. And part of that is because we printed so much fucking money. But that's not new. Yeah, well, I know that. But, I mean, inflation isn't new, but the amount of inflation is you dumped how many trillions of dollars into the economy and it takes a few years. But then suddenly, suddenly milk isn't $3.50. cents, it's, it's $5.50.

And, you know, so, you know, there's always, and if, just like if you suddenly said, hey, guess what, we don't need cars anymore. Like, okay, well, that's tons of people out of work. And people think, oh, okay, so everybody at this factory is now out of work. Well, that's only 10,000 people. Okay, but do you understand that all of the restaurants that support those people and all of the dry cleaners and all the Walmarts and all the supermarkets and all that, like, you think, oh, this, well, this one.

person, every one of those people helps to support six other people in the community. So that entire, you just that entire town. Well, if you take that town and you say, yeah, well, guess what? There's 65 of these types of places throughout the United States. That manufacturer goes down. God only knows what happens. Like, the trickle-down effect is massive. So that goes into what we were talking about earlier about, like, how to properly approach

something. Like, we talk about aliens. They watching us, and it's like, you guys don't even know how to make the right decisions. You guys are, you're ignorant to, like, how it's going to affect certain people. And a lot of times we're in our echo chambers because we've only experienced our own communities, right? Like, humans aren't just people in general just not, they're not that smart. Like, they don't see long term. But we could.

But it's the fact that we're. You're not trained to do that. You're trained to be, you're trained to be a W-2 employee. Right. That's what our education system is trained. It's trained for you to go get a job working at Target. and being a cashier and you're barely trained enough

to save enough money to pay your bills every single month, barely. And most people can, not everybody can do that, by the way. If you're lucky, you can do that. And if you can do that, you can almost be middle class. Man, you said something is so powerful

because they do not teach us how to live life. They teach us how to survive. And surviving in this system mislavery, in my opinion. Like, you should be learning about how to manage money, how to, learning about credit. This should be taught in school. Because the moment you get out of school, you're already in debt if you took out loans. So you don't even know how that affects you.

So now you try to apply for credit cards and stuff like that. You don't even know how to leverage them properly. You don't know the tactics. You don't know the factors that even make up a FICO score. You don't need to know any of that to work at Wals. You don't. But that's why you're working at Walmart. If you knew better, you probably wouldn't. You probably have a better opportunity to actually even approach how you want to make money. Right. You know, they don't teach us how to invest. They don't teach us any of these things. You learn after you get out out of school that you spend, you know, most of your life in or 18, what, 12 years is that what people are spending most of the time on average? 12 years in school or if you went to college of like 14 years, 16 years, something like that. Yeah. Roughly, I'd say, 12, but if you want to include, you know, kindergarten and some other ones, let's say 12 years for your basic, your minimum school to get high school tool and it's 12 years.

Exactly. So my, my perspective is, this educational system has failed us all because we need to learn that experience is the best teacher. Going in the environment and actually experiencing it. Like when I, when I learned about software engineering, it was a bunch of theory. When I started working at Boeing, they were like, I had to go to, like, take classes. When I created this software credit fixer, I actually taught myself certain things. There were things that I didn't know. Right. And I paid all this money to learn this information, but I learned it through experience.

Now it's like I can create anything. Right. I don't, because I would say the, I would say, I would argue that the school system is doing exactly what it's designed to do. True enough. You know, and that they're not, they're not. they're not trying to make entrepreneurs and they're not trying to get you fiscally responsible or having you understand credit because you might be able to you know if they did that they did that limited in limited areas that's not going to be a massive change but they did that throughout

the entire economy right then i think that would be a massive change for the economy and if you're in manufacturing or you're some lord if you're if you're google or your amazon or apple or or IBM or anything you don't really we don't really want that like we want a few people to excel which we can hire and train and that's it we want everybody else to be factory workers and drive trucks and have we need some workers which they're failing at yeah they need more workers so but that's not a hard fix it's not a super hard fix so you know they don't they don't you want too many people knowing it because then they can then those people could kind of break out of those molds and like I said we

need cashiers. We need people to stock shelves. Do we? Right. I mean, I think we do until you get robots. It's already there. It's already there. Technology is actually forcing us to actually change the way we do things because how we decide. See, mathematics is always true. Right. Okay. A lot of times we don't make decisions off of truth. We base decisions off of emotions or, you know, ego or a lot of these different things, but not off of, you know, the true, if that makes sense. And mathematics can be proven in no limited time. You can say, hey, no, mathematically, this is what we should do for the betterment of everybody. You know what I mean? As far as like, so hear me out. You're assuming that the people in control want the betterment of everybody.

I don't think they care about anybody. They want the betterment of them. Exactly. But that's why I said technology is forcing them to actually, is making, basically technology is pulling out the, pulling the veil away from all these people who are in control and in power because they can't go against the truth. And so when technology gets here, it's like, okay, why am I going like chat GBT? You can use chat GBT to pretty much do everything for you now, nowadays, well, almost everything. But it's like, I can write a paper. So why am I writing this paper?

let me use my mind to tell this what I wanted to do. Why would I do this anymore? That's too much manual work. Amazon has, they don't need delivery people. I mean, it's not there yet, but I hear what you're saying. Like, it's not there yet. That right now they do, but it's in four years from now.

Yes, you're right. In four years. It's just like the Uber drivers. You know, they've got, what is the name of that company that does for, it's now completely, the cars are completely automated. I forget what they call it, but it's like, Anyway, we're right now, and they're slowly implementing them now where the car pulls up, you get in the car, there's no driver, it already knows where to go, it takes you there, like those are already happening right now. Right.

You know, and periodically they're, they're, you know, getting into an accident with a bus or whatever, you know, or it doesn't catch up with, there's a road, you know, there's a road that's been, there's construction and it doesn't realize it and it goes the wrong way. Like, that's happened a few times. But, of course, it knows to avoid cars and everything. And there haven't been any catastrophic accidents or, like, Tesla right now. Did their trucks? Well, not just the trucks, but right now they're talking about the self-driving cars. Yeah. I think it's next year, they're placing them all on an app where I can order a Tesla.

Like, so you drive your Tesla to work. You then put it on the app. And now I need somebody to pick me up. Your car starts up at your office, drives to my house, picks me up, drops me off somewhere. and basically it works all day while you're at work. Your Tesla is making its own car payment for it for you, makes money, drives, drops people off all day long, and then you know it, it knows to be back at work by 5 o'clock to pick you up.

So at 4.45, it shows back up and parks somewhere, and you get in your car and leave. So this brings me to something. What is life truly about? Right now, we experience life, many of us, trying to make money. So what happens when you don't need to? to make money anymore, or there's no, or there's no ability to make money. No. Because everything's automated.

Right. There's no need to do that type of thing. So where do we do? What do we do now as people? Like, where, you know. To what? Stop it or prepare for it? No, not, not even prepare for it.

It's already here. It's like, okay, you're going to have to adjust. You keep saying that because it's not here because we all have jobs. So it will be here. So you're saying the technology's here, but it has to catch up with the fact where it starts eliminating all these people. It has eliminated some jobs. Right.

Because right now, they're making fast food places in California that are fully automated. I've seen a Chipotle that's fully automated. Right. There's like there's one guy that goes in and loads the shit at the end of the day. So you've got, you just took 12 jobs and turned it into one. Yeah. So what happens when that one job is also replaced by a robot that drives his own car, drives himself there, gets out, and loads the shit, and that one's gone.

So at some point, all the jobs are gone. What do we do as an individual when you say? I can't get a job. Why? There's no jobs because two robots are doing my old job or this one's doing it or this one's drop it. I can't drive Uber. Why?

Because fucking there's there's 50,000 Tesla's that are picking people up and dropping them off. So no, I can't do Uber anymore or Lyft because they don't exist. So what is life truly about? You know, because life, we've made it about money. That didn't mean that that's what it should have been made about. You know what I mean? So like when we talk about like children coming into the world, like we

was trained to think a certain way, trained to exist a certain way. You know what I mean? And now that these things are being removed from technology and math and stuff like that is bringing us to a more truer sense of existence. Like, okay, it's going to be something more of an inner thing than an external thing that we, you know, have to look at. And that's a very difficult thing.

I heard Will Smith say, you know, I bought everything. any human being can imagine of having the cars the homes the women he said right now it's like I'm in a position where I you know I'm just giving and and I don't even look at my bank account because the guy the question that the guy the interview asked him was like hey man so you $330 million right how do you manage all that he said I don't I don't look at that stuff except for me so that money in and of itself is making its own money now Literally, like, he said, that stuff doesn't mean anything to me. I've had it all.

He said, now he said, the thing that I focus on now is just inner peace. He said, and when you start trying to do that, that's the most difficult thing any human being could ever do is not for the faint heart. That's what he said. Well, the problem is when you remove purpose from people's lives and they're just left with themselves, what do you do? Right. That's, you know, that's a, that's a, you know, horrific existence for most people because

And then they just tell they don't know what to do. Now what do I do next? I don't know what to do. We've never had to look at like, what is our true purpose for being here on this planet? The moment we got here, we were given a purpose. But we all each have our own purpose on this planet to do something. And then once you're part, once you fulfill your purpose, what does there need for you to be here for? If you've done it.

This is an insane podcast, by the way. This is not what we're supposed to talk about at all. I've been thinking about like, okay, am I going to title this for Boeing, AI, Trump, you know, All these different things, I'm like, you know. You just, you just, you know, a discussion on Boeing that went tragically wrong. That's what you should name it. Yeah. This is great.

I'm enjoying myself. Hey, real quick, just wanted to let you guys know that we're looking for guests for the podcast. If you think you'd be a good guest, you know somebody. Do me a favor. You can fill out the form. The link is in our description box. Or you can just email me directly. Email is in the description box.

So back to the video. Well, let's let's jump back. at Boeing. Okay, yeah. So you're at Boeing, and you decide, you get to a point where you, you, I know this from watch one of your other podcasts, where you were working for somebody. Yeah. And you, you kind of realize like, why just survive back to school when you can thrive

by creating a space that does it all for you, no matter the size. Whether you're taking over your parents' basement or moving to campus, IKEA has hundreds of design ideas and affordable options to complement any budget. After all, you're in your small space era. It's time to own it. Shop now at Ikea.CA. Book club on Monday. Gym on Tuesday. Date night on Wednesday.

Out on the town on Thursday. Quiet night in on Friday. It's good to have a routine. And it's good for your eyes too. Because with regular comprehensive eye exams at Specsavers, you'll know just how health. they are. Visit specksavers.cavers.ca to book your next eye exam. I exams provided by independent optometrists. You could do your own thing, right? You could become, you know, like the Boeing thing

was like it was fine, but it's not what you wanted to do. You wanted to start, you started thinking about opening your own company or being an entrepreneur. Like, how did that evolve into what you're doing now? So that we have a segue for people. Got it. So what really happened was I got fired from Boeing. Oh, did you? I missed that part. Yeah, yeah, I got fired from Boeing. How? So I'm working under the CTO at the time. His name is Ted Cobra.

I think at one point he was a CEO of Boeing or one of the CEOs of Boeing. But at the time, Boeing had moved. Remember, I told you I was a hacker. So I was like around 2014, 2015. They moved all of their top, you know, young talent to Chicago because they had moved their main office from Bellevue to Chicago, Bellevue, Washington. Okay, so go ahead. And so they're moving all their top talent up there.

And so I'm one of the ones that got selected. I go up there and here's a guy making, I think I was making like 17, 18K a month. Most money I've ever made in my life. Right. It's a lot of money. And I'm young. You know, at this point, I'm only three years out of college. So I'm in meetings with like managers and, you know, a lot of people, high-level executives and stuff.

And they're looking at me. I didn't understand this at the time because I'm still fairly new to corporate America. this is this is this is this is this is a arena where they're trying to take your head off they want your position this is not you're not friends there right they're trying to get either get you fired sending like bullshit emails to kind of keep track like I didn't pick up on this type of stuff until it was too late it's like when somebody sending an email about you then they're slick saying things that you're doing wrong you know what I mean okay to keep a paper trail right And so when it comes time for, you know, a raise or you getting fired or you meeting your objectives, say, hey, no, you had this, this, this, this. You showed up late six times. Right. So I really got fired because I was late too many times. Okay. Right. So mind you, like, at this time, it's wintertime, Chicago, and they're doing construction on the highway. I'm new to the city and I show up one minute late too many times. Right.

You know, even though I'm texting, hey, I'm going to be late, that's still a flag for me. It's like, you keep showing up late. That's the reason for them to say, hey, you're always late. Right. You know what I mean? So this is the type of thing that I was facing, you know, in corporate America. And so ultimately, they built up enough, you know, negative data on me to say, hey, no, he's not good enough. He needs to be fired.

So they fired me. Okay. So I got fired. I was just like, man, fuck. So I had to move back to Maryland. And that sparked that entrepreneur mindset for me. I was like, man, I'm never going to allow somebody to have that much power over me again. I need to create something of my own.

Was showing up on time an option? I was definitely an option. Who do you think you are? I'm supposed to show up on time? Right. $17,000 a fucking month. I'm leaving an extra hour early. I try.

That's me. That's crazy. But go ahead. But in my mind, if you think about it, I'm just like, who cares? Like, I'm getting the job done. I'm solving these fucking problems. Like, what do you care about that for? Right.

It's not that great. It's not that big a deal. But in my mind, it is a big deal. Being on time is important. So I'm older and more mature now, but, you know, the way that I thought about it was, you know, a little immature. So what did you say you thought I'm going to, I'm going to be an entrepreneur? Or did you already, did you already have a concept? Or did you just kick back one day and think for an hour and say, you know what I ought to do?

Like, was it already in the motion? Did you already go ahead? So you remember I told you about my dad and my these, these, multi-level marketing. There you go. I joined one. See, you said a pyramid scheme. A pyramid scheme is illegal. Thank you.

Multi-level marketing, although should be illegal, isn't illegal. Well, what I did say. It really should be, but I hear you. is people call them multi, multi-level schemes. Oh, yeah, yeah, they call it. Yeah, yeah. But I couldn't think a multi-level marketing, but that's the, that's the proper turn. But yeah, I joined one, and it turned to, I spent, they got, they baited me into spending, what,

15,000, so I could be at this certain tier and I can make, like, 6K a month starting out. And it turned out to be, like, a scam. Right. The guy got sued for millions, like, later, like, 2018, I think I got, like, $1,000 from, like, the lawsuit. but I was like, all right, cool, I'm not doing this. I really have to create something for my own, for myself that I own, that I built with my hands. And so that led me into getting my credit fixed. And so because I had spent that $15,000, I used the credit card and stuff for that.

I was in debt. My credit score was low. And so I reached out to somebody to help me fix my credit. And I paid him $1,500, $2,000. So for myself and my wife, and nothing happened, right? And so I reached out to a buddy of mine who I know fixed credit. He's like, Kabir, you're smart, bro. I'm not going to charge you to fix your credit, but I'm going to give you this book that I know will help you.

So I read the book, follow what the book told me to do, credit score increased to like 7.30. Okay. Yeah. And so from there. From there? From what was it before? I think I had like a 6th, 63 or something like that. I had some late payments.

Right. You know, I just got fired for my job. You know, I had to move back, you know, from Chicago to Maryland. And, you know, so I was just in the bad situation. So I had some late payments. I had some inquiries. I knew nothing about credit. I'm over here applying for everything.

And so I fixed my credit. It goes up. I apply for all these credit cards and stuff like that. But what I also did was I was like, man, I see an opportunity here. If I can do this. I think a lot of other people can do this too. And I was like, okay, I started fixing credit for people. I started fixing my family's credit.

And I was like, okay, is there a software out here that does this? Because all this manual work printing out Word documents is not going to cut it. I can't scale like this. And so my software engineering mind came, you know, naturally works, right? So I'm like, if I do something, I want to scale it. And so I look for software and I found some software. And I started leveraging that to match. manage my clients.

As I'm using the software, I'm like, this shit is ridiculously terrible. Like, why are you doing stuff like this? It's slow, all this. So I decided to make my own platform. And all I really wanted, all I really needed for myself was just a PDF generator that would print out the letters for me. Right. I just input the information and it'll print out the letters.

Right. From there, it just started scaling and scaling. I never intended on creating an entire set. CRM at the time. Okay. But once I saw what was out there in the market, I was like, man, okay, there's not that many softwares out there. And none of them are trying to solve the problem for the consumer to do it

themselves. And so I said, man, I got an opportunity. I know how to create software. I know how to do this. Why don't I merge the two? And that's where Credit Fixer started. And that started back in like late 2016 when I started working on the code. and I worked on the code every day from 9 p.m. to like 2 to 3 a.m. every morning.

And I think I know a lot. I did a soft launch in 2021. And then I did official launch August of 2021. So what is it? They just pay a fee every month? Yes. So it's so credit fixer basically empowers consumers to fix. their own credit. Like, we provide them the knowledge, the tools, and the resources to do it. And it's, it's bigger than just a credit repair software, but I get to that. But yeah, it's a subscription service where you pay monthly or annually and you basically import your credit report, your three bureau credit report. Our software will, AI, will actually do a credit analysis for you, show you exactly what's hurting your credit scores. And then it's going to also provide you the dispute flows for you to follow to, to,

dispute these negative items that goes for bankruptcies, charge-offs, late payments, inquiry removals, freaking repos, you know, all of these, all of these different things that credit repair companies will do for you, our software helps you do it yourself. We have progress reports every 30 days. We'll show you exactly what got removed from your credit report. We got reminders that will send you text messages. Well, I actually took that out, but I'm actually revamping that to send you email messages, text messages to remind you, hey, go re-import your next report, see what got deleted. Take a look at your progress report.

So this thing is really pretty much doing everything for you so that you don't have to pay a credit repair company $1,500 or any type of money to do it for you. You now have the knowledge and the ability to do it yourself. So that is my mission with Credit Fixer as a foundation. And so, man, I'm so innovative with this thing. I have ChatGBT-GPT in there. I created Credit Fixer Academy where now if you some people might be familiar with you to me where okay so it's like or linda.com or okay you might not be familiar but it's

basically an academy where you can learn information about credit okay right and so I created it in a way to where now I can have other educators can put their content in there and you can learn from other people. Okay. So all things credit. So my vision for credit fixer is to create a credit application that informs people, empowers people with knowledge, the tools, resources, everything, credit. So once they fix their credit, they don't have to subscribe anymore?

No, they don't have to. Okay. So, I mean, okay. How much is it a month? It's $49 per month. Okay. Or you can buy annually for $4.99. Okay.

Yeah, I was going to say that how long does it take to typically fix someone's credit? Like if they follow, I know every one of them is different. Obviously, it depends on whether or not the collection company fights back or the, whatever, the creditor fights back. Like, no, this is you. No, we have, we still do have a copy of whatever, you know, because a lot of them, they just don't have copies of anything. You're just a, you're just a random group of, you know, you're just a file. Yeah. And that they don't actually have, like, the contract you signed.

They don't have a bunch of stuff. right like so but i'm saying if if they fought back like or let's just say what's the average one typically take three to six months or longer yeah because it takes a long time what a lot of people think oh it's going to take it'll have they think they're going to pay 1500 bucks and it's just going to be done in 30 days like bro there's first of all this not possible it's not even possible to get anything really i blame the internet gurus for this right you know these pandemicpreneurs who learned about credit and now they have a credit repair company where they just learn some information off of a YouTube university.

Now they're sharing it and they're monetizing off of it, right? But no, on average, it takes about three to six months, you know, depending on what you have. Now, we always see like sometimes, we always see like two weeks. Like, we just had a credit, we had a credit fixer business user. I didn't say this yet, but we have credit fixer business, which is a B2B version. Right. For credit repair companies. And in our Facebook community, they share their results.

everybody shares their results and stuff like that right and so in two weeks he got a repo removed for his client right but that's that's but that's not normal that's not the that's you know what I'm saying like that's not that's not that's not the norm no it's not the norm one of the reasons why we are so reputable is that we never sell you a dream right hey if you if you type fix my credit we'll show you how to remove your your increase in I mean your your accounts in seven days clean your entire report in 24 hours. We never sell that type of information because in reality, for the average person, it's going to take three to six months. Yeah. You know, and so that's why, like, I really have, you know, gripe with a lot of these gurus, you know, because what they're saying is not necessarily wrong, but for 90% of the people, it's not going to happen.

Yeah, it doesn't work like that. So they show one person or two people, but they don't show you the 50 people that maybe type, fix my, credit and didn't get no results in 24 hours or seven days. You know, like, bandman, Kivo? You know, I mean, you're going to, like, listen, I can't listen to him all day and just feel like, stop it. That's not going to work.

That's not going to work. Like, that would work, but how are you going to give him the, like, when they borrow, oh, you're going to borrow this much money? How? You told me this guy doesn't have a job. You started with he doesn't have a job. How did he just get $200,000? Like, bro, there's a whole bunch of fraud weaved in that you're not talking about.

Like, a lot of people are going to go to jail listening to information. like that. I say that all the time. CPNs. I know people who have used CPNs. It's better to just fix your credit. Right. Do it the right way.

Yeah. You can't, listen, you can use a CPN. You can borrow money, but everything you're doing is fraud. And you know, you may do all of that, and it never, it never comes back on you. You borrow half a million dollars. You make the payments. Everything's great. Maybe it works out great.

Or you just haven't been arrested. yet. Maybe it all works out for you. But that's, in the end, you're committing fraud and periodically it is going to catch up with people. Or even worse, they borrow the money, which is really what their intent is, to borrow the money, make three payments, stop paying. It goes, it, house goes in foreclosure, you lose the car, or you take the money and the bank looks into it. They find out it's a CPN. They contact the FBI. Does the FBI always do something? No. No. But periodically, they do do something. Next thing you know, you get arrested and you go to jail for four years. And now you owe half a million dollars. So, you know, it's like there's always that one guy

that borrows, it does everything. It works out. It works out perfect. You know, but in the end, you're committing fraud. But so go ahead. Yeah, man, speaking of these gurus, man, it's a lot of them out there, you know, it's a lot of gurus out there that saying that they, you know, created a software, you know, and there, it's, it's a white label. But it's a, but it's a lot of It's a white label of a white label now. And now I'm monetizing, you know. But one thing that I can't respect is when people lie to other people to get things from other people.

You're going to have it all taken care of in 30 days. Give me $1,500, right? Right. People are already struggling financially. And, like, you're taking, like, for instance, like, people who don't have any real money, right? they're getting their credit fix, and then now you want to fund them for $200,000. I'm going to get you $200,000 worth of funding. Why would you want to do that to that person?

They don't have any real goals for as far as business. They don't really understand business. What are they going to do with $200,000 worth of credit or loans or lines of credit? They're going to start a business that's going to fail, and their credit's going to be ruined again. And you're going to end up going to creditfixer.com to fix your credit. You know, but so I'm not happy about that. Right. Because I think that there's a better way to approach things.

There's a better way to understand credit, you know. And that's why that's why it's always been my mission to empower people so that you understand that you're not learning from somebody to tell you like, hey, you need to do this. No, you need to know how to make the right decisions on whether you should do it or not. It's not that funding isn't getting funding is wrong. You should. But the cold part about it is that they're going to fund you all this money because they're going to get 20% of what they fund help you fund. I mean, 10% on average.

I was going to say even 10% because most of 10% they ask for 10%. So 10% of $200,000. They're going to make $20,000 and they're not on the hook for nothing. They're not responsible for anything. So it's on you. So you already behind an eight boy, you got to pay that, you got to pay on that 20% that has interest. And a lot of times when you get new credit, you're new to credit, it's about 19%. You know guys that I know guys that have contacted bandman Kivo, they're like, bro, I like paid for his class, I did this, I did that, like it didn't work. So then he said, oh, well, you need to, you know, if you obviously did something wrong, you need to contact me. And, you know, and he's like, but then to pay to contact him, it's 500 bucks to talk to him for like 15 minutes or something. He's like, so I get on the phone and I explain, or whatever, it's FaceTime, whatever. And I explain what happened. He's like, no, I went to the bank and this and this. And then they denied me.

you know he's like oh well you need to find another bank he's like yeah but you said it would work he's like well that that's just a bad bank you got to get another bank and he's like he's like what bank like he's like they start arguing and then then he starts saying well you fucked up how did I fuck up I did everything you said right he's like well you did something wrong what did I first of all you just got me for another 500 bucks because you said you could answer my questions you're not answering my questions yeah that's a cold operation yeah and then after 15 minutes he's like yo bro you know if you want to pay for an extra 500, we can try and figure this out. And he's like, and then they end up hanging up

and they realize like, wow, he just got me. Damn, that's a cold operation. I don't know, I don't know him. I've heard of him. I've seen them online a lot. Apparently he got his software now. So it's just like, you know, probably has your software. No, definitely. No, no, no. My white label, I know all my white label partners. I just fucking. I was just playing with it. But, you know, I mean, a lot of times, man, It's a money game for, you know, people like that. I don't know them, so I can't really speak on them. I don't know it's operation.

I know people who do know them, but, you know, I walk my own path. I do what I do, and I'm going to stand on business. I'm going to always be honest with people and be upfront, because I don't need your money that bad to try to, you know, manipulate you into buying, purchasing my software so I can be online showing all my cars changing. I don't care about none of that stuff. My mission is just to empower people with the right information so that they can do better for themselves.

Yeah. Oh, I was going to say, well, a lot of times what's funny is, like, you fix someone's credit. And just like you said, like, they fix their credit and they maybe go out and borrow money and they run it up again because they really don't understand credit. They don't really understand how to make payments or they take out money to start a business. It's like you're going to go open up a restaurant. Like, do you have any experience in restaurants? Well, no, but I like good food. And I like this.

Like, none of that has anything to do with running a restaurant. Right. You know, like, they don't understand the failure rate of restaurants. They don't know what it takes to run it. They know, oh, I'm going to open up this kind of business. And they can't even sit down with a piece of paper and tell you how the business is going to make money, how they're going to get clients, how they're going to be able to make their payments, what they're going to charge, who's going to pay that, how they're going to implement the procedures to make these things happen. Like, they have this flawed concept of how things really work. It's kind of like, like you talked about the rich, rich dad, poor dad, you know, book.

Yeah. Is that they just, you know, they're not, they're not, they have this elute, this delusional concept of what being a business owner is or having good credit or buying nice cars or, you know, these things are, it boils down to it. It's just a whole lot of work and responsibility that, like we were talking about earlier, that most people are just not educated enough to understand. Most people are educated enough to pay their basic bills. Yeah. They can't conceive of retiring. They think, oh, I'll get social security. Like, and I say this all the time.

Like, you have to understand social security is designed for people that own their own home. Yeah. So that's if, if you go to high school, you get a job, you marry your high school sweetheart, you're married, you have two kids, you both work a full-time job, potentially. Maybe your wife works part-time. You buy a house, you buy your own home with a VA loan or FHA, assuming you went to, went to, in the military. or an FHA loan, or you have good credit, which you, by the way, weren't trained, weren't educated on how to get. Let's say your father, whatever, helped you, or somebody trained you on how to get good credit. I wish.

So, but let's say you get an FHA loan. You bought 97%, you put 3% down. You buy a house. And then over the next 30 years, you pay that house off. So by the time you retire from your W-2 job, you have a home that's paid off. Right. Now you're just collecting that money that you receive from. Now you're always going to say social, now you get social security.

And now you don't have anything to pay. Right. Your wife and you now get just enough money to pay for food and, you know, Medicare or whatever your health care is. And really, that's it. Like, that's, like, that's if you have no, like, that's still struggling, struggling with no, no rent payment or mortgage payment. Right. So most people, they rent, they listen to people like Grant Cardone who says, don't, you don't mean to buy a house. Like, you're an idiot.

Um, and then when they retire, they get their social, they find out what they're going to get for social security. And they go, well, this, this doesn't, it's not enough to pay my rent, pay for health care and pay for food. Right. Like, this isn't enough. Right. Because the, because social security retirement is, or retirement is based on you owning your own home, which you don't, which you don't own one. So now what do you do? This is where strategy comes into play. And this is where, information and understanding credit and how this whole system works. So like I mentioned earlier, when you learn how to approach your thing, you know how to handle it. And so a lot of these people, like, even in this space, they talk, they say, you know, success, love speed. I say taking your time and making strategic, you know, decisions and grow, slow growth, is better as long.

There's more longevity in that because there's a lot of people who I knew, who I know who were millionaires. Right. And they came into those millions very fast. It's gone. And currently work jobs right now. Yeah. Because they didn't understand the importance of paying your taxes.

They didn't understand like, hey, damn, this, this market is not going to last, you know? And now you got UCC filings on your business, so now you can't get business credit because you owe these credit cards that you didn't pay off or these lines of credit that you didn't pay off. So there's so much, it's so important. to understand these types of things before you jump in that pool. Well, that's, I think that's, like, social media because, like, I'll bet you the one story almost nobody remembers is, like, the tortoise and the hair.

You know what I'm saying? Like, in the end, people, the tortoise and hair, like, the tortoise wins. Like, making those incremental small decisions on a daily basis that move you towards your ultimate goal, that's the guy that win. Like, the hair never, there's no version of that story where the hair wins. And, right, and what your, same thing you're saying. But once again, just like we were talking about education, the bottom line is that if you've got a high school diploma, you have not been taught. If all you have is a high school diploma and you have no other kind of education, you haven't really read any books or anything else, you have been taught to pay rent every month and you're not probably not a long-term thinker and you probably don't have an ultimate goal.

You're probably just living life month by month, week by week, day by day. And you're not living it annually. You're certainly not living it focused on an obtainable goal within a decade or two. So you're not looking at retirement. That's not even a thing. You don't have an IRA or a 401K. Like you don't even thinking about that. Like you're thinking about how can I save enough money to take the kids to Disney World maybe?

Maybe you're thinking that. maybe going on a vacation or putting it on a credit card than trying to pay it off over the next six months. Like the way you're thinking is so flawed. And that's if nothing, nothing goes wrong. Nothing. That's the part that people don't even consider. They don't think about, okay, what if something went wrong? What if I get in a car accident and I break my leg and I, you say, oh, I got insurance.

You don't have insurance to replace your job. You know, or you, or God, God forbid, you get cancer or you liver failure or any number of ailments that could really, really harm you. I know these things and I'm going to be honest because I want people to know me, you know, I want people to get to know who I am. You know, I'm always behind the scenes for a lot of times. I'm not a credit repair guru. You know, I never wanted to be that. You know, I created a platform to shine a light on other people, right? And so I'm a regular person just like you, right?

I've had bad credit. You know, I've had things happen to me. Like three years ago, I've never shared this, but three years ago, my Mercedes Benz got repo. Repo. Repo, like, I'm laying in bed and I hear something, right? You hear the truck. I mean, I have E53 AMG Coom. That's my favorite car.

I have three cars, right? And so. Three, that's the problem. They should have been driving a 10-year-old Toyota. That wouldn't have gotten, you know. That was obtainable. That was reasonable. That was living within your means or beneath your liens.

But this is my point. Like, you're coming into money. You're coming into, you know, influence and stuff like that. And so you don't think about what could go wrong. You don't think it's going to end. You don't think it's going to end. You don't think there's going to be any hiccups. And so, you know, I wake up, I'm ready to start my car.

I got my keys. I'm not hearing my car start because, you know, That's AMG. Starts, windows roll down, everything. I walk out. It was. It was just in the tow yard. These guys are watching the car in the tow yard.

They're like, oh, he must have just woke up. Right. Put the windows back. So I go out. I'm thinking someone stole my car. I go to neighbors. Neighbors' house knocking her door. They see my car at one point.

And then it just missed when the tow truck came in my driveway and took it out. And so I'm like, it was right there. So someone took it. I called the police. They were like, no, your car got repoed. To the bank wanted their car back. I'm like, what, what, what, how? Like, I never missed the payment.

So about three, how? Well, now you got me. What do you mean you never missed the payment? This is what happened. So three months prior, I had switched from paying manually to automatic payments. Okay. And so, and I also switched my email address. And so doing that, I had missed.

three payments. You didn't notice the money was it coming out? They didn't call me. They didn't, I didn't receive the emails. Right. Saying that there was no payments being made. So I'm thinking like, it's coming out already.

I'm not looking at the account that I put the money in. Money. And they came and took the car. And so now I had some money tied up in investments. And so they wanted, I think they wanted like 12,000, right? Like, oh, away, right away. Right. And plus the repo fees and whatever other fees.

So it came out like 15K. Looking back, I was like, man, I could have just asked somebody. Right. But here's my ego. Here's what I'm thinking like, damn, man. I don't want to ask nobody. I don't want people to know, you know, just stupid, caring too much about what people think. Right.

And so I just let it go. I was like, I got another couple cars, you know. And, you know, at the time, looking back, I feel like I was just so busy. working on the software, you know, traveling. I mean, I'm getting so much attention with the software. So, you know, I had got a repo. That was on my credit report. Did you take it off?

Two credit fixing. That's not a good story. You owe that money. But, but, but, but my point is, it's like, number one, they weren't supposed to repo at that. It had to be, I think it needed to be like 180 days. I don't know. I don't know what it is.

It came after 60 days. So, but, you know, it is what it is. but, again, I got to remove from my credit report. Now, it doesn't mean that you still don't owe the debt. Now, let's be clear. Like, these major credit reporting agencies, Experian, TransUnion, ECOFax, these are for-profit companies.

Right. You never asked them to report this information about you. This is your personal information. This is between you and the banks, you know. And so obviously the banks is going to report it every month. But these are two companies that's making money together, you know. So you getting taken off your credit report, that's, that's, that's, that's between you and new, you know. So I feel like my perspective about, you know, getting items removed from your credit report, it doesn't remove your ability to have to pay the debt, but.

Right. But you can, you can, you can eliminate the reporting of it. Exactly. Right. Which, let's face it, that's all that matters. If I go to borrow another car or go to buy, get a credit card or whatever. Exactly. It's so funny the way people think, man, I, I, I, I.

trying to think of how to tell you this without mentioning who or someone figuring out who the person is. So there's a person, there's a young person that's a problem, like an issue, right? And like I had this conversation where it was like, you know, you grew up without a lot of money. The people in your life do not have the enough knowledge to put you on the right path. And that, you know, there's something called, you know, obviously, generational wealth, right? Rich people that come from rich people tend to stay rich people. Of course.

Right. You know, and there's always the, there's always that idea. Well, there's always that idea or that, you know, that one person, one family earns it. Or I'm sorry, one generation earns it. One generation spends it. One generation loses it, you know, but that's not always the case, right? Like if they're properly educated and indoctrinated into generational wealth and you'll probably maintain. And let's face it, being poor in those circumstances is not what you and I would consider being poor.

It's more like your family comes from, you know, billionaires and you're down to being a millionaire. Like, you're still rich. You know, they don't think they are, but they are. So in most circumstances, very seldom do those people end up on the street or working a regular W-2 job? But the thing is, if you're poor, most poor people stay poor. Yeah. They just do. You know, are there periodically do poor people that were, or someone who was,

raised poor, do they get out of that situation? Sure, there's many, many instances, but when you look at the, but they're the exception, you know, if you took a hundred people that were raised below the poverty line, maybe one gets out. Maybe two, but that's probably high, to be honest with you. And maybe five, maybe 10% of there, 10 of those people end up being able to be middle class. But most of them say poor. Yeah. You know, probably four or five percent, maybe they in and out of jail their whole lives. So the rest of them are basically just struggling, lower middle class or just, or just blatantly on some kind of government subsidy.

Yeah. The truth is, if those people had been properly educated and they don't even have to be given opportunities, if they just worked, you know, earned high school, a part-time job and then got a full-time job, they don't have to go to college even, but they learn some kind of a trade. Yeah, I think that's important. Right. Right. So labor, right?

Because non-labor is never going to pay much. So, and this is still working for someone. This is, you don't necessarily, these people don't even have to necessarily open up their own job. But if you're a salesman, it's very easy to open up your own business. Oh, yeah. But let's say they still work for somebody. You know, if you did a few, a few things correctly and you educated yourself on credit, the difference between the same guy that becomes a sales tradesman and has no credit or bad credit and the laborer that has credit over the next 30 years of their life.

And like I said, nobody, most people don't think this way. Most people educated in high school, especially at high schools, don't think this way, with no real influence from family members that know how things work or how credit works, right? The difference between that person that both of them are laborers, both of them are plumbers. the difference between the person with good credit, an understanding of credit and not, the difference in the next 30 years is vastly different. For sure. The person that understands credit, most likely, if he's smart and plans, will most likely own his home and possibly other homes as rental properties and most likely will retire a millionaire. Oh, yeah.

Okay. Plus social security. Yeah. The difference between the other guy will retire with social security. Right. He won't own his own home. Yeah. And what's so funny is that the person with credit will live a vastly better life.

For sure. And that's really sad. He'll go on vacations. He'll buy brand new cars because people think, oh, well, buying a brand new car. Yeah, but I can buy a car. I'd rather buy a car. This is something my wife had kind of said at one point. Well, it's like, she kind of like rather would just pay the car off.

And I remember saying the difference between. that is that, and you've heard this before, you're either paying, making, you're either making payments or you're paying for repairs. The nice thing about payments is that you can account for them, right? I can account for a $400 payment every month. Okay. Maybe I go two months without any repairs, but then that repair hits and it's $2,500, and I didn't account for it.

Right. And that's what happens. And suddenly, now what happens? Now you think, okay, well, I do have the $2,200. Yeah, but you're without your car for several days. Now what? Are you buying Uber? Is your wife driving you?

Are you taking the bus? Or you're just missing work of $200 some odd dollars a day for five days? Or maybe a week and a half because they're busy or they had to order the part. And then, you know, you don't think about. Most people don't think, though, I'd rather just make the $400 payment. Plus, oh, yeah, you've got to get full coverage insurance. I want full coverage insurance. You're right.

Oh, they think, oh, that's ridiculous. No. it's not. If I have an accident, and you will. Everybody's going to have an accident. I wanted to cover my rental car. You know what I'm saying? But some people have lots of times. And how catastrophic is that accident? If you never have that catastrophic accident, God bless you, you're lucky. But if you do and you need that insurance and all you got is PIP, man, you got a problem. I'll say this. Like to your point, like information changing situations, like the right information will. right and you know not just having the information but actually actively leveraging it and using it right yeah

but even just you knowing the information sets you apart because now you have the ability to actually choose to do the actions to make the change right and association is everything like like you being associated with people who understand credit or you're even in that realm of thinking you know helps you go that much further, you know, because now it's like, yeah, you might have fixed your credit and you might not know what to do with it. Right. Okay, what do I do now? Now I was like, okay, you can leverage it.

You can get credit. You can do all sorts of things. What was the guy we had on a couple months ago? Actually, he texted me a few days ago, said, hey, if you need anything, let me know or something. We had a little text back and forth. He's got, listen, the amount of credit cards this guy had, by the way, it was outrageous. He must have had 13, 14. Remember, he was actually one, he'd signed himself up on a few posts where he would, he would basically make you an authorized signer.

Authorized user, sorry. Is it signer, user, whatever? User. Okay. Authorized user. So now suddenly you've got four trade lines. So he did that. He's like, I've done that several times. He stopped doing it because he said they started charging so much money that he was like, like, I'm doing this for, he's like, it's not a, it's not a, he said, at first he said it was great.

Like, I'm pocketing, you know, I'm making an extra 400, 500 bucks a month doing this. But he said now some of these places are, they're charging so much money. He's like, it's down to where I'm making $110. He's like, you know, it's just the hassles. Yeah. But the other thing he was doing was making, like, short-term loans where he was like, and he said he only does it with friends and families. People that I know will pay back. They'll borrow $3,000 and they will pay back the money.

Was he doing like UCC filings on like being like, hey, I get a first lien on you? I don't know what he was. I don't think so. I think it was just like buddies or friends or what. I mean, I'm sure that's the way, to me, that's a way to lose some friends and family. Because if you suddenly owe me $5,000, like, no. But he's, he had a whole theory behind it. But he has a bunch of these little leveraging strategies that he was doing, like business loans and things like that, that were, you know, interesting.

How the legality, I don't know whether that, how legal it is, but he's taking on the responsibility. I mean, it's probably perfectly legal, but maybe it's not. I don't know, but he was talking about just how much money he was making. He was making several thousand dollars a month doing these different types of things. Like, I used to like, so once I fixed my credit, I think about 2018, I had about $130,000, $150,000 in personal credit. You know, I was getting about four to five authorized users on cards every month. It's like a job, you know. Yeah, you have to keep track of it.

Yeah, yeah. And then you like got to remove people. Some cards like Navy Federal, if you put somebody on there, As an authorized user, they have to stay for the whole year. Oh, okay. So it's like- Well, you got to make sure you get the whole year up front then. Yeah, exactly.

So, I mean, it's just different strategies. But, you know, again, those are like, that's another job within itself, you know. Manufacture spending, learning how to move your utilization from one car to another. That's something I used to do back in the day. I used to go to Apple. I would buy like four or five laptops. Right. And then return them.

And then I would do a split pay. Don't get yourself indicted. Yeah. It's funny you said that because I'm going to think about that. Yeah, I'm going to leave that one alone. But back in the day when I used to, right, I used to do that in a manufacturer's so I was able to move money, right, to different cards so I can bring down the utilization. And this kind of is a great segue to kind of inform people about like these five factors of

FICO score because I personally believe that if you have this information, you You'll understand 75% of credit, right? You'll understand 75% of credit if you understand these five factors. And I know a lot of people might say them like, hey, payment history is 35% of your credit score. You know, utilization or your usage of credit is 30%. You know, average age is 15%. Increase applying for new credit is 10%. And then new credit.

Like when you get a new credit card or new new loan, it's worth $2. 10% but that goes over people's head like people don't even understand everybody knows like an 850 is a perfect credit score that's cool right the lowest score that you could ever get is a 300 credit score I've never seen anybody with that score but you have the ability to get 550 points and by you understanding how these points are structured around to get this 850 credit score it gives you the better understanding of how to approach things like some of you don't don't even need credit repair. A lot of you guys have are utilizing too much credit or you don't even have credit, right? And so I want you guys to do this. I want you guys to pull out your phones.

I'm going to show you how to understand these numbers. I want you guys to go to your calculator app on the iPhone and I want you guys to type in 850. We're going to calculate how many points you get for payment history, right? I want you type in 850 times 0.35. This is a is how you find out the total amount of points you can get just in that 35%. Press equal. It's about 280 points. You'll see 297.5. That's 280 points just from you paying on time. Don't get a late payment. Late payments are terrible. They can drop your score from 100 to 150 points just for one late payment. So if you ever get a late payment, you want to use, you want to call them, either call them and say, hey, I got a billing error. There's a billing error. I never received a bill in the mail,

something happened right and that's that you want to call them immediately right the quicker the better or if it's on your credit report use 15 USC 1666 B as a dispute reason okay all right so that's that never get a late payment it's easy that's an easy one to keep 280 points all right now um or let me say this if you have any issues paying call them ahead of time they'll work with you because if you got to think about it. From their standpoint, they have to make, they have to let the banks know. They have to let the, the credit reporting agencies know. So if you just let them know, like, ahead of time, like, I'm going to be late. I need to work something. Now, I don't want a late payment on my credit report. They'll work with you. All right. Now, I want you guys to type 850 times

point. That's 255 points. That's your eulatization. Remember I said, you guys don't need it. you guys don't have a credit repair problem. You don't need credit repair. Your credit score is low because maybe you have one credit card and you're utilizing 100% of that credit card. And if you paid it down, your credit score will increase, right? So sometimes I've seen this so many times. People will analyze your credit report, these credit repair companies.

And they'll say, hey, yeah, I can fix your credit. And they know you don't need credit repair. they just know that you've got a utilization problem they'll say hey i'll hire you on let's do do this five hundred dollar credit analysis and just pay $100 a month and now all you have to do is you know pay down this debt we're going to remove these inquiries that's it you just had a bunch of inquiries and you got this utilization issue but some of you guys don't know this all right so now payment payment payment age a credit age sorry it's i want you guys to type 850 times point one five credit age is 128 points right so the average age you want to have at

minimum is seven years now if you want to get all of these 128 points you want to have at least seven years on average across credit cards so if you got three credit cards which i think that should be the minimum amount of credit cards primary accounts you should have is three let's get a car loan a credit card and a small loan you can get a davy federal pledge loan an installment loan right and so that's a good mix of credit right but what you can do is if you don't have credit and you're trying to get credit number one you can get a trade line i don't suggest getting a bunch of trade lines you don't want to structure your credit report with a bunch of trade lines because it's not going to do you any good you can get one trade line that has like 20 years of age or however many will get you to

eight years minimum right and so when you do that now you got 128 points so now you have no late payments you have no utilization issue because you paid your debt down now you got a hundred another 128 points for credit age now let's say you got like 10 inquiries inquiries are very easy to applying for new credit is worth 10% of your credit score so 850 times 0.10 85 points so you can get the most amount of increase you want of your credit report is two two inquiries now if you have a whole bunch of credit credit increase let's say for a time period in what time period in two years right so just one a year yeah one a year but the beauty about credit is credit increase can get them removed. It doesn't hurt to get them removed if you don't have any account holding

credit cards. That means like it's, let's say, for instance, I apply for an Amex card and I got that inquiry. You don't want to remove that inquiry because they will cancel that card. Okay. So these are non-account holding increase. So let's say you want to go apply for a car. And they ran your account to a bunch of banks because they want to sell this card to you. So they're going to find the best bank for the best rate for them to extend you credit. Right. And so, What you can do is there's a 24-hour method that you can do. You can call in because, and I'm going to put the link below. I'm going to give you guys an e-book, free e-book.

Some people sell this information, but I don't. I'm going to give you an e-book on how to remove inquiries, non-account-holding inquiries in 24 hours by calling it. I'm going to put that in the link below. But you remove those, that's 85 points right there, right? Or close to 85. Now, credit mix. new credit, you know, that's 80, that's 10% as well. So that's 85 points there. So, you know,

give or take, you know, you're around 707 points right now. So the beauty about understanding that now you, I just gave you guys some approaches to understanding like credit and how they look at you, right, and how you can structure your credit report. Sometimes you don't need, like I said, sometimes you don't need credit repair. Sometimes you just need to remove some inquiries. You can get that done in 24 hours. You know, the best times to apply for credit is between 11 p.m. and 4 a.m. It's the best time to apply. Credit fixer is not just a credit repair platform.

This software is literally a financial literacy platform. I'm going to do some amazing things with this. I'm the creator. I'm the founder of it. You know, I want to gamify this platform. I want to put this platform in schools to educate college students, educate high school students. I do have a business version.

for credit repair companies. Although I push this for consumers, I do have a business version. And we have over 200, you know, businesses using our software to fix credit for their clients. So, you know, the platform has grown and scaling. I'm always adding new features to the platform.

And, man, I literally bootstrap this software myself. You know, I didn't get any funding, anything like that and built it, man. And I've got a great team now. I've been able to, I've been blessed to scale this, this company to over million dollars and I'm just just slowly growing and making the right decisions and and just building and making the right partnerships and stuff like that so you got to go on shark tank man I'm about to do a pitch competition at an invest fest this year

for the nipsy hustle 100k pitch competition and yeah man I really built this myself man I can't stress the fact that I did this you know and there's a lot of people none of I can say this none of the creators of any platform none of the CEOs have built their own platform that paid somebody to do this thing and if anybody says that they did

and you see somebody saying that they built and they on these podcasts they didn't do it hey you guys I appreciate you watching if you like the podcast do me a favor share it with your friends and family also leave a like also leave me a comment

we're going to leave all of the descriptions for credit, credit fixer, sorry. We're going to leave, you can cut that. Sorry. All right. Hey, you guys. I really appreciate you guys watching. If you like the podcast, please do me a favor, leave a like, share the video with friends and family.

Also, we're going to, in the description box, we're going to leave the link to credit fixer and any social media links or anything else that is connected to it. So just click on the link, go there, check it out. Also, please consider joining my Patreon. It's $10 a month, and we're going to put some special content, some content, exclusive content that we didn't make this video. We will put on on Patreon. Also, we've got exclusive Patreon content. Every week we upload, or every few days, we upload new content.

So check that out. Once again, $10. It really does help us produce a podcast. I appreciate you guys watching. Thank you very much. See you.