The Kevin Trudeau Show LIMITLESS - Credit Card Debt Trap EXPOSED - Escape Before It’s Too Late
Episode Date: May 13, 2026🔗 The Truth Survives: https://www.getyw.com/youtubeAre banks and credit card companies deliberately keeping Americans trapped in debt and broke? In this explosive episode of Kevin Trudeau: Limitles...s, Kevin pulls back the curtain on one of the most sophisticated financial traps ever built: the modern credit card system.From high-interest debt, hidden fees, consumer psychology, and secretive credit score reporting, this system was designed to keep millions financially stressed and dependent. It is a system engineered not to help you, but to own you.Kevin shares insider stories from his early involvement with the financial industry and explains:- How credit cards were deliberately designed to create a nation of financial slaves - The truth about usury interest and the backroom deals that made it legal.- The truth about minimum payments and crushing interest- Why your credit score formula is kept deliberately secret- The hidden credit score reporting date that’s killing your score even if you pay on time- How to improve your credit score strategically- The mindset shift and blueprint required to escape debt permanentlyThis episode is a wake-up call for anyone struggling with credit card balances, rising expenses, financial anxiety, or the feeling of being stuck in an endless cycle of payments. It’s the episode your bank and credit card companies DON’T want you to watch. If you’re tired of living paycheck to paycheck, drowning in interest payments, or feeling trapped by the system, this is an episode you cannot afford to miss. 🔥 Watch until the end for Kevin’s powerful message about taking control of your financial destiny and reclaiming your freedom.Subscribe to this channel for more forbidden knowledge on wealth, health and personal freedom.👇 COMMENT BELOW: What’s the biggest financial lesson you learned about debt or credit cards? 00:00 — The Biggest Financial Scam in America & How Credit Cards Were Designed to Keep People Financial Slaves04:24 — Why Banks Introduced Credit Cards to the Masses & The Psychology Behind Consumer Debt08:08 — “If You’re in Credit Card Debt, It’s Your Fault” + Kevin Trudeau’s Personal Story About Refusing Debt10:40 — The Hidden History of Usury Laws, Loan Sharks & How Banks Changed the Rules Forever12:12 — The Secret Fees, Political Payoffs & The Truth About Modern Credit Card Interest Rates15:36 — The Credit Score System Explained & Why Banks Don’t Want You to Improve Your Score19:18 — The Credit Card Reporting Date Scam Nobody Knows About + How to Raise Your Credit Score Fast22:23 — How Wealthy People Actually Use Credit Cards & The Ideal Credit Profile Setup24:05 — “If You Can’t Pay Cash, You Can’t Afford It” + Why Most Americans Live Above Their Means30:18 — The Fastest Way to Become Debt Free, Regain Financial Control & Build Real Freedom#creditcarddebtfree #debtfree #kevintrudeau #personalfinance #creditscore #financialfreedom #forbiddenknowledge #getoutofdebt #limitless #creditcardtrap #payoffcreditcarddebt #creditcardtraps #improvecreditscore #boostcreditscore #debtfree #getoutofdebt #financialfreedom #kevintrudeau #moneymindset #debtelimination #creditscoretips #personalfinance #financialeducation #baddebt #moneytips #wealthbuilding #financialawakening #debtfreedom #hiddenmoneytraps #creditrepair #moneymanagement #financialtruth #escapethedebttrap*******************************************************************************To access the secret training that Kevin received in the secret society called ‘The Brotherhood’, become a member of the exclusive club founded by Kevin Trudeau: https://globalinformationnetwork.comExplore Kevin’s newest book series ‘Nuggets of Gold’ here: https://nuggetsofgold.com*******************************************************************************FREE TRAINING:[https://gurukev.com][https://nuggetsofgold.com][https://t.me/TheKevinTrudeauFanClubChannel]
Transcript
Discussion (0)
This is the biggest scam, and you don't know about it.
Let's effectively give money to every single person in America.
But we're also going to keep all of the people slaves.
The banks don't want you to improve your credit score.
It's absolutely criminal.
But there is a solution.
You'll be able to take the bull by the horns and really, really taking control of your financial destiny.
There's something that's happening in your life financially that you're unaware of,
It's very strategically being done against you to hurt you financially, to keep you virtually a financial slave, never being able to develop any type of financial freedom or independence, keeping you stressed, keeping you anxious about your finances, and screwing up your retirement.
So you can virtually never retire.
And what is it?
It's primarily credit card debt.
Yes, it's all type of debt, whether it's student loans, car loans, mortgages, but specifically
credit card debt.
Now, I know a little bit about this because when I was in the Brotherhood, I actually
worked with credit card companies before credit cards were very common.
Now, you're probably too young to remember, but there was no such thing as credit cards
back in the 60s.
Nobody had a credit card.
You had what's called a charge card
and only if you were like really, you know, wealthy or well-to-do.
You had Diners Club, you had Cart Blanche,
and you had American Express.
Those were the three major charge cards.
And only a really cool, wealthy person had a charge card.
You also had a charge account
at your local store, sometimes the grocery store, and sometimes the high-end department store.
You had a charge account, not a credit card account, a charge account.
And what was that?
This allowed you not to carry a lot of cash.
So you could walk into the department store and say, I want to buy my wife this fur coat
for $3,000.
Certainly, sir, do you like me to charge it to your account?
Yes, please charge it to my account.
the guy gave you the fur coat you signed a piece of paper and walked away the next day he sent you a bill
a bill was in the mail and it said hey you just bought this fur coat yesterday you owe me three thousand
dollars and then within a few days you mailed in a check and you paid it so a charge account
allowed you to get something today and not give the guy cash but you got a bill right away and you
had to pay it right away, like within a week or two, maybe 30 days on the outside. That was a charge
account. When you got your American Express card, then they upgraded it to these fancy cards,
I now could walk in and say, I want to buy this fur coat for my wife. Okay, that's $3,000. Put it on my
American Express card. They would run the American Express card. You'd sign it. And then American Express
would send you a bill. American Express would pay the...
the company who sold you the fur coat.
American Express would just send you a bill and said, hey, you bought this fur coat two weeks ago.
You have to pay us the money 100%.
And you got 30 days to pay it.
And then you wrote a check and sent it into American Express or a dynist club or a cart bench.
That was a charge card.
There was no interest.
You didn't pay any interest.
You basically bought something and you had to pay it in full, usually within a week to a month.
That was a charge card.
And it was simply for convenience.
It was only given to people who had means.
You actually had approved to the charge card company that you had a high net worth,
which means you had a lot of assets, like you owned your home outright, you owned
your cars outright, you had a lot of assets, you had stocks and bonds that you owned outright,
and you had a high income, and you had a good chance of keeping that job or income,
going forward, therefore you had the means to pay off the bill when you got it. So it took a lot
to get approved for an American Express card. They did a lot of due diligence. That's how it worked.
Then credit cards magically appeared and why. The American economy was sluggish. And I was involved.
I was there when this discussion was going on. The idea was let's do two things. Let's
effectively give money to every single person in America who wants it, and they'll take that money
and they'll spend it. And when they spend it, they'll buy stuff. That means all American factories
will have to produce more stuff and then hire more people, and the economy will grow. That sounds
great. But we're also going to keep all of the people slaves because they can't help themselves.
They're going to get addicted like a dopamine rush to buying stuff, to buying stuff, to buying stuff.
And even though they don't have any money, they'll just charge it.
They'll put it on their credit card.
They'll put it on their credit card.
They'll put it on their credit card.
The credit cards charged an interest rate, and this was the best scam going.
The company said, we're going to give you a credit card, a visa or a master card.
We're going to give you a $5,000 credit limit.
That means you can spend money you don't.
have. You don't have $5,000. You don't have it. You see, if you used a charge card, you actually had to
have that money in the bank in order for them to approve the charge. Sometimes they would actually
check with your bank to make sure you had the money. So you actually weren't spending money you didn't
have. You were just using the charge card for convenience. You actually had the money in your bank.
But with a credit card, you want to buy that $2,000 for a coat. You don't have $2,000 in the bank.
You get $100 in the bank. You don't have any money.
You're spending money you don't have.
That's how you got screwed.
That's how they convinced you to be stupid.
Put yourself in debt and keep you a slave for the rest of your life.
Ooh, we loved it.
So we knew that if we gave credit cards to people and we made it easy,
we would give a credit card to anybody.
Just give them a credit card because those stupid cards,
because those stupid people will just use it and max it out.
They'll spend money they don't have because we'll advertise all over television and newspapers and magazines and on the radio.
And we'll get everybody wanting to wash your dryer, wanting the new car, wanting that new set of clothes,
wanting that new hair dryer, wanting that new piece of jewelry, wanting that new watch,
wanting that new this, that new that new pair of shoes, that new this, that they want the new bicycle,
They want the new motorcycle.
They want the pool in the backyard.
But they can't afford it.
They don't have the money to build a new pool,
so they'll put it on their credit card
because they'll be addicted to spending.
And they would feel terrible
if their neighbor got a swimming pool
and they didn't have one.
We used to call it keeping up with the Joneses.
So we knew all these people would be stupid
because they can't help themselves.
They need that rush.
They need to keep up with the Joneses.
They're hypnotized.
by all the advertising, even though they can't afford it,
they will still use their credit card
and spend money you don't have.
And let me tell you something.
If you're watching right now, I'm going to be harsh.
If you have credit card debt,
if you are maxed up on your credit cards,
it's nobody's fault except your own.
You spent money you didn't have
on stuff you didn't even need
to impress people you don't even like.
Think about it.
That's the truth.
that is the truth.
It's not that you don't earn enough money.
You spent money you didn't have.
I remember one time I was struggling.
Things were sideways in my business.
I had to reduce my salary.
I reduced it again and I reduced it again.
And I was just barely making ends meet with my rent.
I didn't even own a house at the time with my car payment,
with my insurance on my car, my gas on my car, and food.
I was just breaking even and I already tapped into my savings.
but I was trying to get my business going.
And my friends called me up and said,
hey, there's like four of us.
We're going to go on vacation down to the Caribbean Islands, man.
It's going to be great.
We're going to take three weeks.
Trudeau, come on with us.
Come on, man, let's go.
And I'm thinking, there's an airline ticket I would have to buy.
There's a hotel I'd have to buy.
We're going to drink.
We're going to spend money on alcohol.
We're going to spend money on food.
Probably do some other touristy things.
God knows what.
maybe rent the car, and I'm thinking, I could just put it on my credit card.
I don't have the money, but I had availability on my credit card.
I could just charge it.
And I caught myself, and I said, no, I don't have the money.
And I told my friend, I said, you know something?
I would love to go.
But right now, I'm not very liquid.
I've actually made some major cutbacks over the last six or seven months, and money for me right now
was pretty tight.
I just don't have those funds.
And I could put it on a credit card, but I don't want to go into debt.
I don't want to spend money I don't have.
And my friend was a long pause.
And he goes, you know something?
I'm actually in the same position you are.
I don't want to spend money I don't have either.
He says, why don't you just come up?
Why don't you just hop in your car, drive to my place?
It's only about a six-hour drive.
And let's spend a week together.
We'll get everyone together at our house.
we'll go to the grocery store, we'll cook in, we won't spend money, we'll play cards,
we'll have a great time without spending any money.
And I said, that I will do.
And all of us were in the same position, but we were afraid to tell each other we didn't have
the money.
And we had the best time not spending money because it wasn't about buying stuff,
but it was about spending time with each other.
Big, big, important thing.
So if you're maxed out on your credit cards, it's only your fault.
you spent money you didn't have.
Most people in America are spending money they didn't have.
So here's the problem with the credit cards.
Credit cards have an interest rate.
Back in the 60s and 70s and 80s, there used to be a cap on the amount of interest you could charge.
There was a state cap.
Every state had a different cap.
If you charged more interest than the state cap, you were a loan shark.
It was called usury interest.
actually heard Donald Trump talk about this, and he goes, whatever happened to usury, used to be called
usury interest, you were a loan shark, you were an evil person, and you went to prison. So loan sharks
used to charge an exorbitant interest rate called usury interest, which means if it's over a certain
amount, you'll never be able to pay it back just paying the minimum, the monthly minimums. You'll be
paying it for 30 years. You never pay it off. It's usury. They're using you and they're using you
today. But in order to get around that, I was in a meeting in South Dakota and a big company there was
going to start getting millions and millions of people on credit cards and they wanted to make a fortune.
And they said, here's what we're going to do. We're going to give anybody who asked for a credit card
a credit card. Who cares if they even have a job? Because some of them will not pay the credit card
off. We know that. And we'll just write that off and get the tax deduction. But the majority of people
will pay it. They'll make the minimum pay it. We'll charge them this crazy interest rate. We'll charge
them the state cap. The highest we can legally. And if they pay the minimum, let's say they get a $5,000
credit line and they use the $5,000 and they just pay the monthly minimums, it'll take them
30 years to pay it off.
We own that person.
We're making a fortune, an absolute fortune on that sucker.
Okay.
But we want to make more.
How do we do it?
We can't charge more interest.
We'll go to prison.
It's called usury interest.
So we came up with a plan.
And I was there when it happened.
I said, well, all you have to do is charge of fees.
I go, what do you mean?
I go, well, charge you a monthly maintenance.
fee.
Charge them a renewal fee, an annual renewal fee, just because they had it.
Charge them a transaction fee.
Every time they use the card, charge them a $5 transaction fee.
So they're getting a transaction fee plus the interest.
And then a monthly maintenance fee, and then a annual credit review fee, and then charge
of an annual renewal fee.
and then if they go over their credit line, approve it.
Approve it.
Let it go, but charge them an over-credit-line fee.
When you add up all the fees, people were paying 100 or 200% interest.
Because maybe they had only $1,000 or $2,000 credit line.
When you added up all the fees that they paid over a year,
they're paying $1,000 in fees in a year on the $1,000 that they'd
put on their credit card.
I mean, talk about criminal.
That's the banks for you, by the way.
That's our government.
They don't want you free.
They don't want you liberated.
They want you to be a slave.
And then something magical happened.
The banks got together, paid off the politicians.
Let's call it what it is.
Nobody wants to say it.
They bribed and did payoffs.
Oh, we didn't take any bribes.
Your brother-in-law has a no-show job over here at the bank.
bank on the board at $50,000 a month.
That's called a bribe. He doesn't have to do anything.
You don't walk in with a paper bag full of money and go here.
That's not how they bribe politicians.
They bribe politicians by doing 10 or 20 different things.
But it's bribes and payoffs.
And everybody knows it.
Let's not, come on.
Let's, you know, let's not be children here.
You know, let's, you know, take your head out of the sand.
Open up your eyes.
I mean, everybody knows it.
There's an elephant in the room here.
Let's talk about it.
So the bribes and the payoffs, magically, silently, no one ever heard about it.
A bill got passed, and there was a sub amendment to a sub amendment to a sub amendment
which said no more usury interest.
So today, you, you get a credit card.
Look at your interest rate.
Some of it's 30%, some of it's 40%.
And they still charge your crazy fees.
It's absolutely criminal.
It was just an awakening.
My income has doubled.
I'm getting close to tripling.
You can build an amazing, amazing life all of just your wishes your command.
How much more money I'm earning and the woman that I have in my life is just miraculous.
The wishes your command gave me the recipe to manifest the job that I wanted.
It really just gives you the recipe.
After I finished it, my life changed.
My income double.
I make a lot of my money.
It was like magic.
I'm making more money than I've ever had ever.
Enlightening.
Empowering.
Powerful, but simple.
Inspiring.
Activating.
After getting your wishes or command,
I went some 5K on my bank account to $8 million in one and a half years.
So this is designed to make the bank's huge amounts of money,
stimulate the economy, fraudulently and falsely, and keep you a slave.
That's the plan, and it's worked perfectly.
There's something else.
But there is a solution, by the way, and I'm going to get to the solution.
There's something else that they do.
It's called the credit reporting system.
The credit reports, Equifax, TRW, TransUnion, those are the three big ones.
These are credit reportings, which come up with a credit score for you.
Now, the credit score is critical because when you go apply for a mortgage, or if you apply for a car loan, or if you apply for a personal loan, or a home equity loan, they're going to say, well, your interest rate's going to be based on your credit score.
Okay.
And what is my credit score?
They go, it's 720.
How is that calculated?
You know what the answer is?
It's a secret.
What do you mean it's a secret?
If you don't tell me how it's calculated,
how do I know how to improve it?
If I improve it, then my interest rate goes down, right?
Yes.
Well, why don't you tell me what I have to do to improve it?
Oh, no, we won't tell you.
You have to guess.
You see, the banks don't want you to improve your credit.
score. Because the lower your credit score, the more they can charge you for interest.
So they keep the method that the credit score was calculated a secret. Oh, a secret. I love it.
I love it. It was great. And no government politician is screaming and yelling. Why? Because the banks
are paying them off. But I will reveal one very, very powerful way that you can increase your credit
score. This is something they do not want you to know about. And I'm going to tell to you anyways,
because I was involved in setting up. Here's what it is. In order to increase your credit score,
you do use a credit card. So here's what they do. They look at, number one, what is your credit
limit? So let's say you have a credit card, a Visa or a Mastercard, or maybe a store card, a Kmart
card or something.
What is your credit limit?
And you say it's $5,000.
Okay.
How much do you owe the credit card company?
I owe $5,000.
All right.
That means 100% of your credit limit has been used.
You're at 100%.
You lose massive, massive amounts of points on your credit score.
Let's say that you had a $5,000 credit limit.
credit limit, but you only had $2,500 on your card.
That's all you've spent.
You have $2,500 available credit, and you've used $2,500.
You're at 50%.
Your credit score still goes down.
You want to be under 5%.
That's what you have to be in order for your credit score to go up.
So if you have a $5,000 credit limit, you can't owe more than $250.
otherwise you're screwed.
The credit score goes down.
Not a friend of mine saying, Kevin, I don't understand this.
I use my credit card all the time, but I pay it off every month.
I never get charged interest because when I get the bill, I just pay it off.
So I'm always at zero.
But how come my credit score has been taken a hit?
Because you're ready for this?
This is fantastic.
This is the biggest scam.
and you don't know about it, and they don't want you to know.
This video will probably be taken down immediately.
When the credit card company says,
you owe the minimum payment by this date.
You think, as long as you pay it by that date, you're good.
No.
So like my friend, he used to pay off its credit card in total by the due date.
The credit card reports to the credit reporting agency
usually 10 to 15 days before the due date.
And they won't tell you when unless you ask them.
So you have to ask, when do you report to the credit card agency?
Could be five days before the due date.
Could be eight days, 10 days, 15 days.
You have to pay it off before they report it to the credit agency.
That's the magic secret.
So in order to get your credit card scarred higher, I'll give you a couple little tricks
Number one, you want five, no more than this, five pieces of credit on your credit report.
Ideally, you have a mortgage and a car payment.
Then you have three what's called revolving lines of credit, like a Visa or MasterCard
and maybe a store credit card.
So I have a mortgage, I have a car payment on purpose so I can have a good credit rating.
I have a Visa card, I have a MasterCard, and I have a Neiman Marcus credit card.
at the Neiman Marcus store.
What you must do is you must use those credit cards at least once up to about 80% of the maximum.
That way it will reduce your credit score that month, but it shows that you used a lot of credit,
but then pay it off.
And then going forward, use your card, but always pay it off before the reporting date, not before the due date.
and then make sure you're always current with your fixed loans,
like your car payment or your mortgage.
So ideally you have a mortgage that gives you more points.
A car payment gives you more points.
Those are two that shows stability.
If you have a mortgage, it shows stability, you get more points.
If you have a car payment, it shows stability, you get more points.
Those are called installment loans,
and make sure you're always paying current, current.
And then the revolving lines of credit, like a credit card, a master card, a visa card, or a store car.
You need three of them.
Max them out, but then always going forward, keep them at zero or under 5%.
The next threshold is under 10%, but you really want to be under 5 or 10, ideally at zero.
Because from a financial standpoint, you should always be at zero because you should never be spending money you don't have.
So when I use my credit card, I ask myself, do I have the money in my bank account to pay for this?
I just don't have the cash in my hand.
Yes, I use the credit card.
And why do I use the credit card instead of the debit card?
Number one, it's safer.
If I give my debit card number out, somebody can access my bank account and wipe me out, which I don't want.
So I always use a credit card.
That leaves the question as, should I have a charge card?
I have an American Express Platinum card.
Yes, you can have a charge card.
I also have business charge cards, but that's for business reasons.
So my companies also have a charge card.
So if I'm doing something that's a business expense, I use that charge card.
But that's not for my personal credit.
Bottom line is you want a high credit score.
You also want what's called a robust file, which means you have two installment loans,
like a mortgage and a car payment, and three revolving lines of credit.
That's the ideal.
If you start having more revolving lines of credit, your credit score goes down because now you have too much available credit, not very good.
You can also have a key lock, which is home equity line of credit.
You can also have a line of credit on your stock portfolio.
Let's say you have a Fidelity stock brokerage account and you have some stocks there, you know, Microsoft or Amazon or something like that.
You can get a line of credit on that, which is highly recommended and endorsed.
so you have it available, but you don't necessarily use it.
And this also keeps your credit score nice and high.
But the key is you have to get out of debt.
You have to have zero credit card balances
because that's where you're getting screwed 100% of the time.
So I'm going to give you one more little solution,
and this is going to be a hard pill for you to swallow.
If you can't pay for something with cash,
that means you can't afford it.
With the exception of a house and a car.
However, let's talk about your house and your car.
I guarantee you, you're paying too much for housing.
You have a house that's too expensive.
It's outside of your budget based on your income.
You don't realize it, but you are.
You should be spending less.
I guarantee you, if I were to sit down and look at your finances,
and I'm not a financial planner, I'm not a financial manager,
but I have common sense.
If I look at what your income is
and what percentage of your income is going to your mortgage, insurance,
upkeep of the house and all the other things that go with the house,
you're paying too much.
You are spending money you don't have.
You say, I don't have a mortgage, I rent.
I guarantee you you're paying too much in rent.
You should have a smaller place.
it's not about making more money it's about and it's not even about living within your means you've heard
that phrase live within your means that's a lie you have to live below your means at the end of the day
this is what my dad did and everybody in his era they looked at their income and they said look we want to
have rent or mortgage a very very low percentage of our income and they didn't finance cars they bought a car
paid cash for it. And until they could pay cash for it, they didn't have a car. I remember when we had
a washer and dryer. We didn't have a dryer. We had a wash machine. I could always remember having
a wash machine. But we used to take the clothes out of the wash machine, put it in a basket, go outside
with a clothes line, and use clothes pins and hang it up. And it would dry outside. That's what we did.
Matter of fact, that's what everybody in the neighborhood did. And then there was this newfangled thing
called a clothes dryer that you could buy, which would, you know, that's pretty convenient.
And I remember as a family, my mother and father were talking, should we get a clothes dryer?
And my father was saying, you know, I like the fresh scent of, you know, the air on the clothes.
But it's, my mother was like, well, it's so much more convenient and blah, blah, blah.
And okay, so they decided we're going to get a clothes dryer.
And I'll never forget this.
My father got a coffee can, chalk full of that.
nuts coffee, an old coffee can, and he put on it clothes dryer with some scotch tape. And he put it
in the kitchen. And he said, okay, we're going to start putting some money in here. Any nickels,
dimes, quarters, you want to throw a dollar in good? We're going to start saving this up until we have
enough money to buy a new clothes dryer. And I thought, well, okay, well, I'll go out there and
shovel some snow. I'll keep most of it for myself, but I'll chip in a little bit to the family.
clothes dryer, helped my mom out. Six months later, they had enough money in that little,
wasn't a cookie jar, it was a coffee can. They had enough money to go down to the bank,
took all the change and everything, got it into American dollars, put it in their bank account,
went to the store, it was the GE store, my father worked for General Electric. Everything had to be
GE in our house. And he went and bought a GE dryer. He was, he was a,
wrote a check. My mom actually wrote the check. She managed the checkbook. And then they came and
delivered it, but my father and his brother, they installed it because he wasn't going to pay any
money to have an install person. And nobody had a big enough, you know, back then people didn't
have pickup trucks and it couldn't fit in a trunk. So it was delivered free from the company. And
then my dad and his brother installed it. And we had a thing. We paid for it in cash. So number one,
you have to really look at yourself.
You're in debt.
You're screwed.
You're going to be a slave the rest of your life.
Yeah, you can focus on making more money, and that's a good thing.
But you have to focus on cutting back your overheads and cutting back your expenses.
You really need to think about moving and getting into a smaller, cheaper place to live.
Look at your car.
This kills me.
People who are always bitching.
I'm struggling.
I got debt.
I go, look at your car.
You spend in 450 bucks a month for a car payment.
What are you stupid?
Are you really stupid?
You could be driving a car for like a hundred bucks a month, 125.
Brand new for God's sakes.
Why are you spending $4.50?
Well, I like the car.
Well, good.
Okay.
Do you like flying in a private jet too?
Why don't you be stupid and buy one of those on terms?
What are you?
You don't have the money.
You can't afford it.
You can't afford it.
So stop bitching, whining, and complaining.
You're spending money you don't have.
You can't afford it.
You keep going into debt on your own.
Nobody's putting you into debt.
Nobody has a gun to your head and said, spend the money.
You're doing it yourself.
And then you're crying, oh, the government doesn't do people, the economy.
No, it isn't.
It's you.
You're the fool.
You're the idiot.
You're the one who can't control your spending habits.
It's you.
Nobody else.
Stop blaming the government and the economy.
and the political party that's in,
stop blaming that or this or AI.
Don't blame anything else except yourself.
You're spending money you don't have.
Stop it.
Be smart.
Jim Carrey said it.
He said, if you're not willing to reduce your lifestyle
for a year or two to create a lifestyle
that'll be awesome for the rest of your life,
you don't deserve it.
You have to live below your means.
You have to practice delayed gratification.
You have to get out of debt.
And number one, I recommend when I sit down with people who are bitching, whining,
and complaining about their credit card debt, and I go, look, you can pay it off.
It's real simple.
Number one, sell your house.
Get into a house at half the price.
Move from that place and get in some place.
That's a lot cheaper rent.
Sell your car.
Get a car with a third of the car payment.
Number one, not only the car member is going to go down, but your insurance rate's
going to go down and your gas prices, gas,
is going to go down. Same thing with the apartment. Utilities are going to go down. All your expenses
are going to go down. Man, you just got out of debt. Oh, just that fast. And then within a year,
all your credit cards are paid off because now you take that extra money and you just use it to pay
off your credit cards. And in a year, you're debt free, baby. You're debt free. And you're going to
feel freedom. You're going to feel liberated. And you're going to feel strong and powerful because
you're willing to make a temporary sacrifice for the future. Your practice delusely. You're
aid gratification. And at the same time, figure out ways to increase your income. Do that too.
But that's what you have to do. Think about it. Think about it. You can be debt free. And I'll tell you,
when you go to sleep and you know, all of my credit cards are at zero balances. I have my car payment.
I have my rent or mortgage payment, my insurance payments. Everything is up to speed. And I have money in
my savings account. I'm saving money for a rainy day. You are going to feel so empowered, so strong,
and so good. You'll be able to easily make more money because your confidence in yourself and the feeling
of power and control is going to be better than ever before. And then you'll be able to take the bull by the horns
and start changing your life for the better and changing your financial situation for the better
and really, really taking control of your financial destiny.
You can do it.
Think about this.
Remember, you got what it takes.
You were born to win.
You were designed for accomplishment.
You were engineered for success.
And you were endowed with the seeds of greatness.
You have greatness within you.
Believe in yourself and believe in your dreams.
Because I believe in you.
You can do it.
I'll see you at the top.
It was just an awakening.
My income has doubled.
I'm getting close to tripling.
You can build an amazing, amazing life all of just your wishes your command.
How much more money I'm earning and the woman that I have in my life is just miraculous.
The wishes your command gave me the recipe to manifest the job that I wanted.
It really just gives you the recipe.
After I finished it, my life changed.
My income double.
I make a lot of my money.
It was like magic.
I'm making more money than I've ever had ever.
Enlightening.
Empowering.
Powerful, but simple.
Inspiring.
Activating.
After getting your wishes or command,
I went from 5K on my bank account to 8 million in one and a half years.
