Timmy Learns about Credit Card Manipulation

[@Mid-Tyr]

Rudy always comes back , unlike my dad who left to go buy magic cards.

[@edwardrhoads7283]

Did he at least go out to buy alpha and beta?

[@elfhammer4206]

I’m sorry about your dad hope he comes back

[@neogaki]

Mid-Tÿr sorry son, I’m still looking for magic cards.

[@sabcoak846]

Lol is your dad a millionaire now?

[@calistman222]

Son?

[@kylemckiernan1445]

Rudy: "Adult paraphernalia" KZbin: *demonetization*

[@TheLastHonk]

Okay, so I watched the first couple of minutes and charged $50,000 on my credit card. Now I'm stuck at the part where I have to pay it back. How do I get the $50,000 to pay it back?

[@edwardrhoads7283]

You sell the stuff you bought for 50k or you have 50k already to pay it...

[@elfhammer4206]

Edward Rhoads or open another card and pass the balance back and forth.

[@snakeonia7542]

You have 50k saved up in the first place.

[@LeifMaelstrom]

Instructions unclear. Have millions of dollars but billions in debt.

[@scrapsteenlifeintheforks1943]

You just dodge credit companies for 7 years then they cant ask for there money back and you sell your initial investment for 50,000 quick

[@JesuslsASamurai]

Really appreciate these kinds of videos rudy, i got kinda late to the party as my 20's i spent doing psychedelics and working at various adult paraphernalia outlets without putting much thought in a future financially. I definitely need to to find the motivation to seek a niche out and start working on a side hustle because i'm concerned that 9-5s in the future may not allow for the level of comfort i have in mind for myself and my fiance. Anyways these real talk money vids help to grow my interest in business and economics at large and hopefully i can put the decent bit of money ive managed to save the last couple years to good use alongside some patented evil investor hacks you showcase to get myself ahead. Much love, thanks for all the laughs

[@devoted2thaentertainment207]

Rudy is so persistent, I respect the daily uploads, thank you

[@fsmoura]

*insistent

[@Shannon_Vlogs]

Linguistic

[@deinemam7115]

dude thats just a marketing strategy

[@MTGUnpacked]

I hoped Timmy stayed until the end for the "you may lose your shirt" part of the video😬

[@etothe3]

really awesome balance between a great financial trick, and solid life advice. This is WAY beyond magic based content (as you obviously know). I love watching the magic content, and this is a HUGE bonus! please keep it up! it makes you channel the CRISPIEST taco around.

[@Deeke777]

Timmy: Head blows up Rudy: We're going to need another Timmy!

[@shantfire99]

Rudy thanks for teaching this 3rd year biochem uni student some important protips in life. Also thank you very much for daily uploads.

[@WHEREAMIHELP1]

I love this style of video! You're a very insightful person and I really appreciate your willingness to discuss these interesting techniques and bits of economic insight in a way that I don't see other people doing. Please don't stop doing these types of videos; your booster opening videos are great, but videos like this have a lot of value, even if they don't get quite as many views.

[@jonathanalbee8127]

Damn dude, I’ve watched your stuff before an always liked your strange humor and magic related stuff, but this real talk video was great. Super appreciate what you’re doin & def a subscriber to the channel now

[@AmbianceXBL]

Rudy, your hacker mindset is amazing. Really, thank you for these videos. I love this kind of outside the box thinking. Watching almost 2 years later and still learn something

[@fishthejew1]

Another incredible video about wealth inequality and the struggle everybody has to take in life. Thanks Rudy.

[@harrisonhinton4859]

I just want to say that this video and your other videos like it have really helped me understand the way finance works and I’m really glad I found this channel.

[@swvch]

I appreciate these videos so much more than the magic even though that’s cool too. Thanks bro you’re actually helping my financial future here

[@buschleaguers75]

ive been with you since you have started here on youtube rudy..and i can honestly say you give a mudder fugger hope...you are one of the few dudes i actually listen to..and when i say listen..i mean really listen....i can also say i am proud of you dude.

[@stormrabbit4956]

I can't binge the past content past enough! Loving these kinds of videos on this channel.

[@ryangreenwald3755]

I have been a firm believer in that all people will need a side business/hustle . I am glad to hear that an idea that gets me weird looks is shared by a success person like Rudy.

[@mikechurchill1071]

Wow this was one of the best honest to the bone real videos I’ve ever watched and I learned a lot watching it and thought about about my social status and position in life and I’m going to act upon it and do something to change because I’m not satisfied with where I’m at. Thank you so much for the inspiration videos I’m glad I got to meet you at GP Vegas the last one you ever did. It was a great experience to have a quick conversation with you:) keep doing what your doing Rudy!!!!:)

[@flamingwolfz]

I don't even play Magic, but I love your videos and that you spread some valuable knowledge many people might not know!

[@TheDashingRogue]

This model is the Liliana vess of credit manipulation. Borrow from one demon To pay off another demon . To pay off another demon. To pay back the first demon. And if you default they got you by the bolas

[@robertromero8094]

The whole point is to have the money already. you're just using someone else's money free of charge.

[@matthewlarson7207]

I love all your content but this is one of your best videos in a while!

[@rcasti2061]

This hits close to home, Ive watched until the end, rudy you should be a life coach seriously. please don't stop making these kinds of videos.

[@AustinStobaugh]

I think the most valuable advice you had was at the end.

[@sumnus5369]

Absolutely love these kinds of videos, Rudy. Thanks for the awesome content.

[@The.Incredible.Mister.E]

Thank you Rudy. What you taught us can help change our lives. I've learned a lot from you over the years. I hope I'm not the only one. Sincerely, thank you.

[@KingLazarius]

As the ultimate Timmy you lost me halfway through but I appreciate all the advice you've given over the years.

[@kclothe]

you got a really great backlog of videos. Hella enjoyed this one, thanks

[@Darkbird3]

You da man Rudy. Appreciate all the videos and information you provide. Be safe

[@immortalthepharoah4739]

I appreciate you Rudy!

[@flags4595]

This video hits the perfect spot between educational and inspiring

[@EggyBagelface93]

A very sobering video at the end there. Thank you

[@thiccbitty]

Banks and Credit Card companies hate him. Move your credit with this one little trick.

[@Dave-bn4sl]

The last 6 minutes of this video explains perfectly what I have been trying to explain to people for years.

[@nicodemicsarcade]

So very interesting! Thank you Rudy! I'll go for my monthly request for a long video on the Eternal Masters saga. I don't know much about it since I wasn't into Magic at the time but I'm sure it's a story worth telling. Pretty please! ;-)

[@ronaldzecca97]

i love these videos i save them all to a playlist they are really useful

[@jamespingel8730]

This is literally my job for my company. More credit cards, I handle some other stuff too, but this is where I get my title of working in accounts payable.

[@dennisberglind8812]

Thank you for making these videos Rudy! I didn't know I needed this info, but... the more taco's you have...

[@aleksandra0997]

me: very educational thank you Rudy also me: lives in another country that probably has another bank system

[@andrewd.584]

This might be my favorite Rudy video to date. Thanks for sharing this, it's super interesting. Now I've gotta open a store called "Timmy's Silicone Projectiles."

[@mf8936]

I don't collect Magic but your videos on finance are so motivating. Thanks Rudy.

[@tragicslip]

this is how to use credit cards. do not carry a balance. maintain the grace period by paying off the balance within 21 day grace period and then feel free to add a new balance. if you carry a balance you lose this grace period, so don't.

[@tragicslip]

further, lets say you had a 1k bill and you paid 995$ of that bill and carried over 5$ balance. most cards will charge you interest on the full 1k

[@UKinQ8Gaming]

How can someone give you more confidence and doubt at the same time 😂 thanks rudy. I needed this video. Im doing everything i can to think of taking a step forward. Hopefully one day ill find that bridge and take a leap of faith.

[@tonyjaeger5753]

I love these videos. Thank you for teaching me, Rudy

[@MrWWErocks2000]

I plan/stagger my big purchases around this concept almost religiously haha. Timing is everything!

[@popfuntoplay]

Loved this video, your knowledge is very valuable.

[@jonathantillian6528]

You know after watching this, if Rudy ever did learn how to play Magic he'd probably be good at it.

[@AndresEmilioSotoRealEstate]

The world we live in. Learning how to take advantage of credit card companies in a Magic KZbin class. Love it!

[@semperpie]

Hey Rudy, I don't play Magic at all, but still enjoy watching your videos. You sort of feel like the father that I never had. Thank you, dad.

[@bkweddle7599]

I actually enjoy these videos as much as the box openings. Your doing god's floppy taco's work Rudy

[@digitialkonnections9954]

Rudy that ending hit hard. It's so true you have to do your own thing to really be successful. Yes there are outlyers that work a 9-5 and make tons of money but that isn't realistic for a large portion of the population. I make an ok wage of $17 an hour in my rural state but I know I will need to get ahead to be secure later in life so I don't have to work everyday of my life till I die. I have enough savings to be secure for a couple of years but money deprecates over time and in another 50 years might only last me a year on retirement.

[@Don-dk6dl]

Thanks for the video Rudy

[@jasonl3445]

Thank you Rudy much love :)

[@leifkicker]

Thanks for the vids Rudy, these Timmy's lessons are great!

[@Verlisify]

I noticed credit due date weirdness from getting ahead on payments and then not needing to pay until next month past the due date and have used it to pass off minor debts and hold credit when buying a house. I haven't had any ventures or need to get shady with it, but its good to know things get strange

[@jasonl3445]

I really appreciate these videos Rudy ty

[@bernardo013]

Gosh, I love these videos so much

[@MattcasterMage]

Credit cards manipulate me to buy more MTG products

[@gabbergandalf667]

Incredible that this kind of stuff is legal + within the credit card companies' TOS

[@Silverlightlive]

Rudy. Please keep making this excellent content!

[@nickowns55]

Thank you Rudy keep making videos like this. No more box openings for the algorithm

[@bluedemonnn]

1. Get credit 2.Sell adult paraphernalia 3. 4. Profit! I spaced out on step 3 (Timmy here :) ) Gonna go borrow 300k now even though I only make 10k a year.

[@ryangreenwald3755]

Let's. Get. Physical! - I mean Serious. Great video Rudy!

[@marcialvargas3258]

Thank you for this gem!

[@a.s.h.5774]

Dude. Great channel and vid

[@artenox7579]

Thanks for the talk my man.

[@Spycymemeball]

Our exes don't care about us, but Rudy loves us so that's ok

[@7Alberto7]

Such a good video thank you very much Rudy,really helpfull,i hope to be able to get better with my life skill

[@kisamedominates]

Rudy as always looking out for us!

[@ericrc3193]

Thanks!! The machinery to create these molds sounds expensive.....Just invested in creating the supply chain for refurbishing said paraphernalia.

[@Rainbow-Dash]

Im on time today at economy class. Im present Rudy !

[@johncedwardsiv]

I dont even collect magic but I watch every one of your videos I fucking love you bro!!!!

[@MrDyRy]

Missing Rudy - Day 2, I've found some prepandemic footage of cat in the basement. I wonder what teachings will be found during next days.

[@od6421]

Ahhhh, I was really hoping you were going to get your floppy tacos crossed and go for Feb 30th. You win this time Rudy!

[@supplanter_j5946]

Also this hasn’t been added to your finance playlist just thought I’d let you know

[@corinelliott3596]

Great vid., Rudy!

[@CanadianGundam]

great video!

[@ihavegotnoidea]

nice video as always. I am already doing this, but still cool vid.

[@namekianarmy6989]

Im watching this now because I'm a fan of you Rudy.

[@scopehawk]

Little did we know, Rudy absolutely nails the state of most peoples financial situations 4 years into the future. “This will only get more dramatic and crazier” “It will become very difficult to keep up with inflation” Prescient words, Rudy. Little did we know how true this would become.

[@clarkjansen2048]

Just remember folks: remove the in-sink garbage disposal

[@micahcourt7483]

Clark Jansen Best comment

[@ericweis9771]

Great advice thank you Rudy

[@MichaelDavis-zf6nt]

Video summary: Rudy recently invested in Visa and Mastercard stock.

[@MrThatwasswitch]

I found this out when I was 19 by accident. I paid off my credit as soon as i got paid then racked it up again and didn't get charged interest. Been using this loop hole for a long time thanks for telling the populous.

[@schanshinta]

Love these videos

[@MrTonglong]

I feel like if anyone thought about how a credit card worked, they would already understand this. The issue is that most people don't have the control to not spend the cash assets they have in-between cycles and can no longer afford to pay the full balance when it's due. They end up paying the minimum and increasing their debt. People need to remember cash is better than credit. You should spend on credit first if you can. Then use the cash to pay it later. Because cash is real. You can take it out. If you take out credit from an ATM you get charged interest.

[@jackleshem4010]

Love pink visor Rudy. Best Rudy. This week's episode: credit card balance transfers. 😊😊😊

[@EthanBonardel]

Vs. lol, one for the history books! Awesome job Rudy!

[@BBradshawProductions]

True story. I knew this guy who maxed out his credit card to buy $5,000 worth of Vision boxes; his wife who literally just had a baby wasn't too happy about it. She told him to get the money back or it's immediate divorce, so he had to literally sold all those Vision cards and his collection to get the $5,000. This was back then when dual lands were still $15 and Moxes were $150 a pop.

[@jonathanwalker6074]

I love these type of videos!

[@zerokidd21]

Oh shit he's got the visor on you know its gonna be a good one.

[@elonexplorer]

Holy shit Rudy that is really great stuff!

[@Tyler-ue4wu]

Thank you for your wisdom man! I make 30k a year and i'm 28. Its extremely difficult, especially with kids lul. Guess I gotta find me a good legal side hustle.

[@miketraster9658]

Thanks for being honest Rudy. 99% of us "regulars" won't live that dream because the system is against us. Such a hard pill to swallow and I'm struggling with it. Sincerely, where is the hope...

[@MoxBox84]

Outside the box thinking? Adult paraphernalia would go inside the box lol

[@edwardrhoads7283]

I thought it went inside a flashlight tube?

[@fsmoura]

what about box topping?

[@MoxBox84]

@@fsmoura we all know you wait til the end for the topper

[@Nah_Bohdi]

@@edwardrhoads7283 A sock.

[@harrycee656]

Great video Rudy. I love life and financial hacks

[@PsychoSubSandwich]

Instructions unclear. Maxed out my credit cards on bitcoin.

[@fsmoura]

now just HODL! 📈 🔥 🚀 🌙

[@jericosha2842]

I think it should be stated that a lot of us just want financial peace, not necessarily "getting ahead" with large sums of money. As you clearly state, that requires a strong vision, skill, and commitment to risk in order to achieve that kind of wealth. This approach is not, imo, healthy for the general worker who just wants to provide for the family and live comfortably. Very interesting video. Educational.

[@brasscupholder6233]

Please define what you mean when you say 'a lot of us just want financial peace, not necessarily "getting ahead" with large sums of money.' What is the difference between "financial peace" & "large sums of money?" Unless you can quantify & define a separation between these two phrases, then they are simply weasel words with no real meaning to tell us anything useful. I'd also like to point out that even if you subscribe to Dave Ramsey's philosophy, his own advice is to encourage "everyday millionaires," so please explain the significant difference between what you call "financial peace" & what you call "getting ahead." Also, you left a comment here yesterday, which appears to be deleted. I replied to your comment & I will repost my comment here: --> @Jellee "That is dangerous because you won't solve the root problem." To clarify, what is the root problem, in your analysis? Rudy points out the fact that low-wage jobs are simply not enough, & that additional income earning becomes necessary. One key problem identified here is simply access to income sums greater than that of low-wage jobs that pay $30,000 or less annually. While Dave Ramsey tends to hold a moralistic view that is strictly anti-debt, which he mixes with aspects of his religious faith. If you watch Dave Ramsey's KZbin channel, he tends to often get callers with incomes in the range of $50,000 to $100,000+ annually. These callers have already mostly surpassed the roughly $30,000 annual income from low-wage jobs that comprise the bulk of American jobs out there. So these folks that call into Dave Ramsey's show are already at a higher income bracket, & they are often struggling to reduce the number of their multiple car payments, or juggle mortgages while investing into retirement, or these callers are simply burning $70,000 of their $120,000 annual income, & Dave gets to give them a stern talking to about how foolish they are. In the rare calls where Dave Ramsey does get a caller who is struggling with a $30,000 a year job, Dave Ramsey (& Chris Hogan) seem to offer slightly different advice: their financial advice does not focus as much on the present day situation, but shifts focus more into an optimistic tone about the future for that caller, because the show hosts will speak more advice about A) encouraging the caller to read more books, to foster a type of 'everyday millionaire' mindset, & B) point to 'financial peace university' or other related self-help books they've written. In other words, if a client is making less than $30,000 a year, Dave & Chris tend to avoid talking about the harsh reality that the caller needs to do serious long-term investments in themselves, which may include planning to take on debt to further their education & training, (an idea which basically counter-signals anyone if they believe in a pure 100% anti-debt ideology), such that the client is able to slingshot themselves into a higher earning potential. Contrast with the callers who make $80,000+ annually, & Dave can sit down & do some napkin math today that will set some estimations that the caller can plan with for the next 2-3 years, & have a better idea of what to do in the short term. The thing I like about Rudy is he is willing to speak the 'quiet parts' out loud. To a certain degree, in order to succeed, Dave Ramsey's financial prescriptions require that the client already have an annual income above a certain threshold, & I would argue that this threshold exists above present-day low-wage jobs in America, especially for the later steps in his 'baby steps' advice. The reason I argue this is because, A) "financial peace with minimal risk" (your words) does not really exist in low-wage jobs where the labor pool has a lesser degree of job security, & a lack of safety nets to offset risks, such as rising medical costs. B) "contentment" & "getting ahead" (your words) don't really tell me enough information, so I will guess that you mean something similar to "being frugal" & "spending no more than X% for category Y in the pie chart of total income." My question then becomes this: What happens when basic housing/transportation costs + basic medical costs + basic food costs become greater than the total income for many individuals who work not only one job, but two full-time jobs? Again, to clarify, what is the root problem, in your analysis?

[@IonMagalhaes]

Well, Rudy just gaves us the big picture, it's a bit more complicating than that. With 5 CC's you get 250k, you have 50 days to sell product at least 50K worth so you pay your 1st CC(-200k you owe), 2 days after you take those 50K again (or not) and have 5 days to get another 50k to pay your 2nd CC and so on. Now the tricky part is using your CC's to pay for your CC's. My CC's only let me make payments to stores, not using real money if you know what I mean, unless I pay fees but this is what we are trying to avoid. So I say that you must capitalize on those first 50 days to get as much as you can and have it on the side in case you don't get a cash in flow when the bill rings. If you do get that cash flow you use your CC's to pay for goods and use the incoming money to pay 50k each time. Remember, he said this only works for businesses for a reason: cash in flow.

[@Cosper79]

This video makes me wonder how much that one extra day on leap year affects stuff like interest etc.