THE REALEST CREDIT ADVICE I WISH SOMEONE TOLD ME 💰

[@Caashfloj]

Credit talk!🔥

[@TalksWithTJ]

Best advice I always give, don't charge a thing you don't have the cash for on hand. Plan what will go on your card knowing the cash is there in hand that month, wait until the statement arrives and pay in full to help raise score. Focus on saving diligently every single month no matter what. In the same boat as a lot of young adults with student loan debt but I pay it monthly, invest in 401k, save and make sure I have some sinking funds. And guys having the bare bones of 3-6 months of savings is what's usually meant from that so not your lifestyle per month but what you need to just survive for a month. Be smart, plan for tomorrow, enjoy today but keep it all within your means!

[@mr.eugene5754]

I heard investing in a 401k is not worth it if you’re not gonna stay at the company! For example I work at amazon and they offer the 401k but I’ve heard don’t invest in if you don’t plan on staying there, and I don’t plan on it it’s a just temporary job for me!

[@jay215215]

Damn u sounding like Dave Ramsey .......that’s what I’m talking bout I hope u living that life cuz that’s what’s up

[@paulsweatpants]

if you can't buy it twice, don't bother.

[@ChrisCutz]

Talks With TJ facts

[@dereko5680]

This is all stuff my Dad thought me, but you are able to be the “Dad” for all those who didn’t have this taught to them. Good job bro

[@ChrisCutz]

This what kids need to learn in high school 🏫 !!

[@DCumzzz]

But they don’t

[@francej9754]

Chris Cutz this taxes, apr, mortgages and what it actually takes to get into. Fixed vs arm. Full understanding of a retirement funds

[@tableontilt1014]

Chris Cutz No, this is where you learn from home through your parents.

[@juliojaramillo737]

Chris Cutz exactly this is supposed to be learned at home.

[@OG_RAFA4]

S/o mike you helped me get my first credit card with one of your old videos and now I have a great credit score all thanks to you man !

[@owenangelessanchez875]

Thanks mike! I got my card on December 2018 because I had turned 18 on NOV, but I did what you told me and got my credit to 738 ! I did mess up at first because I wouldn't pay full i would pay half of my balance but it was only for 1 or 2 months, but luckily it didn't affect me that much !

[@tathenz]

It’s good that you educate your audience on this. a lot of your viewers are probably young and don’t understand that these sneakers come and go and it’s not worth being in financial debt over, especially since they don’t really teach financing in public schools. Money management is ultimate key to success. You want to make your money work for you. Great video, keep up the good work.

[@jordanmarksberry6462]

You should talk about time management as an entrepreneur

[@mitchellflorentino7138]

I think I’d be interesting for you to give us a “what’s in my wallet” video explaining the cards and the benefits that come with them or why that card benefits you!

[@JuGo2004]

You should talk about the stock market since u mentioned it in this vid

[@KeithSanfordRevKix]

Maybe talk about networking and how to sustain lasting relationships in the sneaker community with businesses(management) and sponsors (soliciting)

[@TriumphantTiff]

These were great tips on how to use credit in your favor. A lot of people don't pay their balances in full and that leads to their debt growing and growing in interest! Great video , thanks for the advice :)

[@bigmeech3251]

dropping some gems for the kids appreciate you bro! I wish i managed mine better back when i was like 21 but it cool I'm on the road to getting my score back right

[@LxrryCS]

You and Tblake some of the realist on this platform keep up the great content broski

[@tylogrant]

Life’s crazy lol I’ve been watching you for years, since I was at least 18, and you’ve been talking about making this type of video since. I’m glad you finally put it together and got some of this essential info out. Respect to your growth brotha!!!

[@woke_winston]

Maybe you can talk about Passive Income

[@123alexer]

Start with a 4 unit complex you getting paid 4 rents on the 1rst 🔥

[@LilBleachThaGod]

Best way to use a credit card is keep it as your autopay option it gets charged for Xbox live, my phone bill , Apple Music and just my monthly payments ! I only use my bank for my car payment since automatically taken out !

[@hesomoozy5169]

This the shit that needs to be on KZbin.

[@al_999]

I have been watching you for awhile and I been scared to start reselling shoes/clothes. I just made my first flip. 70$ not bad. Now i can only go up 📈. Thanks for the motivation.

[@JayIsABoss07501]

if you guys don't want to mess up your credit use affirm is an online credit card that don't require a credit check or anything like that

[@Thacldriva]

JayIsABoss07501 affirm does a soft pull on your credit report , but definitively shows up on your report. Great way to diversify your credit portfolio tho as each loan paid off shows satisfactory on your report.

[@Redfast999]

JayIsABoss07501 your wrong they slap its loan on your credit report even if it’s 15 45 100 500 choose 3 6 12 months and if yuh pay off either of the above amounts early it still goes on credit report as paid for that 1 month or 2 month then it will closed. The account say you open up another loan same thing they close the accounts after you fulfilled your payment but they slap it again on credit so basically it keeps adding new installments accounts on your EXPERIAN ONLY ACCOUNT

[@JayIsABoss07501]

Mjhn06 i mean that’s the point of buying on a loan, it’s not free.... and you do get to pick on how many months you get to pay it for I mean all around it’s great I use it all the time to go either winter shopping or summer shopping , at the end of the day it’s the end of the day point blank period like a city girl - big shouts to drake

[@ariannarenteria3170]

3:58 “Ayo , WTF” 😂😭 my favorite part

[@AnjosTV2]

Im glad you keep making different videos and not just sneakers 💯

[@marcosfontes2127]

Talk about the financial aspect of you’re cars! How much you paid down, interest rates, ect. Especially how you’ve done it at a young age!

[@Aydolf]

marcos fontes don’t finance a car bro. Friends pulled out new cars and work a lot to give the car payment. Plus the car depreciates like a rock.

[@DannyMoore2369]

0:40-0:46 23 for me but yes grew up together watched you grow all of the years bro!!

[@MEEK5]

Great video. Was thinking about buying another car, but I the one I have is good and I have a truck I can use anything if ever needed. That car note and insurance could be going towards more experiences!

[@johnathanewing7293]

Can you talk about 5 or 10 things you wish new before hitting 20. And 🔥 credit vid it really helps.

[@libni1997]

Crazy you posted this bc i just applied for my first credit card last night and got approved im 22 trying to get my score nice and high haha

[@gabrielespino3456]

Helpful content bro. Keep it going

[@DannyMoore2369]

Guys Mike is right!! CREDIT IS IMPORTANT! AND CREDIT IS EVERYTHING

[@chesthairs]

Appreciate you for making these videos for us. Always projecting good energy. Thanks for the tips 🔥

[@DoomDeity]

just use the credit card to resell ez for example buy a yeezy for 220$ on the credit card sell them pay the 220$ back and keep the profit in your debit card

[@_Ritxhie]

Definitely great advice.. been rocking with you since the days you played ball

[@PercNowitzkiii]

I fw with these kinds of videos 🔥

[@youngsavagetank9173]

You really a smart dude yo, I love the content you trying to inspire others to be smart and great and I can’t hate all love 💯

[@robertmccormick1045]

Thanks for the advice

[@joshuaromero6004]

This is dope bro! Need more videos like this.

[@boblaney507]

I got BOA cash rewards card about 2-3 months ago. I got no interest for 13 months. I started college one month ago and I needed a computer so I put 600 on my car and 300 I paid cash. That 600, I’m paying It over the next 10 months. Does it impact my credit by now paying my card if in full every month? (That’s the only expense I put on my credit card)

[@Charleseceja]

Being homeschooled helps me focus on things that actually matter like this and have a better understanding on being an adult

[@watakchutaro4233]

Bro spoke the realest shit I've heard all week

[@kobe1506]

I love that someone in the streatweat space is exposing their audience to good financial practices as it is not really talked about and people are buying shit they cant afford.

[@ItsEricSmart]

I buy 1 Banna On each card that does not get used on a regular!

[@JMexMartinez]

Great advice! Take notes youngins!

[@AbOnTheBeat96]

I use PayPal credit , it’s 0% interest if you make the monthly payment

[@danielspeics]

Thank You Mike! This is so big. 👌🏼👌🏼

[@toosaucy8433]

please do a video about buying / financing cars

[@davethrilla6315]

Dope video bro

[@jdsayler96]

Whatever you do NEVER be late on a payment! Late payments make up 35% of your credit score!

[@prodigy9885]

damn bro your major was buisness administration? Ima sophmore in hs and thats what i think ima do. Marketing is also grabbing my attention but idk. Any advice from anyone?

[@Jeremypaulin0]

🔥 vid really needed this advice

[@TyrellJoshua]

Yoooo this video was exactly what I needed to see. I’ve been wanting to take a step into the world of investing and I’ve always imagined it to be something super complicated but you made me look at it in a new light. Yo Mike thank you for this video. 🔥

[@ASneakerLife]

🙏🏽

[@brianrodriguez1848]

Appreciate it man💯 I got a Daniels card and just got a kohl’s one, so is it best if I pay the full amount on the kohl’s card every month?

[@Whoisotp]

Well needed video

[@cameronn661]

How can I get my credit started..? Prepaid cards?

[@Ja.floppa]

Thx big homie

[@CHAMBA5]

where did you get your necklaces ??

[@ASneakerLife]

Posting on IG story!

[@marlenejajalla1548]

I wish you were my older brother! Definitely love your videos and the advice you give!

[@ASneakerLife]

I am your older brother on KZbin!

[@marlenejajalla1548]

A Sneaker Life OMG THANKS BROTHER! I just want to thank you for your guidance. I watched your video way back on how to build credit buying sneakers and it has helped me so much financially. Also have been wanting to create a brand of my own and your video has been so helpful in being able to start it!

[@kassdremusic]

You’re the goat for this one!!

[@Brandzo]

I’m 19 I currently have a citi-bank credit card I got recently, & my creditcard is new I got it 3 months ago, I was wondering if I should apply for this one or wait until later

[@channelDD25]

5 lines of credit applied for every 24 months or apply for a new card every 6 months.

[@ArielTirado]

Don’t apply

[@ArielTirado]

Wait one year

[@jeffreydelossantos8934]

I've been dying to know what your major was for awhile. What do you plan on doing with it?

[@ASneakerLife]

Riding this wave until the next endeavor

[@pedrodiaz6002]

I legit have the same credit card and wallet G 😂😂 ask me and I’ll show you lol

[@m.s4764]

Needed this!!✅✅💼

[@KiingWaqas]

Appreciate the advice brodie. You have come a long way. I am going into college soon so this is very useful. Wish the taught more of this in school lol.

[@Aydolf]

Kiing Waqas quick tip from a college student. Don’t finance a car. College friends work so much and their check goes to car insurance and car payment. Buy one cash and go for reliability like a corolla or civic around 1-3k. Fixing little things here a there is a lot better than a $400 car payment every month. Good luck brodie!

[@Vongaming12]

Thanks for the advice man 💪🏾

[@RohithIntrestEmporium]

I’m 16 and I’m a visionary 🐳😈🧞‍♀️🧞‍♂️

[@samsosa3639]

I’m tryna be grown & responsible so this vid is maa clutch I personally appreciate this🤟🏾💕

[@lastshotjumpers7824]

What shoes would you invest in 2020 .

[@Caashfloj]

Topic Tuesday💞

[@dokinoyomi1914]

Lit ight imma be a reseller we’re the off white at 😭✌️

[@blocc44]

How do you get out of a zero credit score?

[@jreid100]

That would be 6 months to a year of savings put away for emergency 🤷‍♂️

[@gadielo55]

that "ayo" meme got me geek lmao. dope video tho not many people talk about this, sadly not in public schools either.

[@wolfreaper7253]

sadly in my country we need to have a min annual income in order to create a credit card

[@keifferfernandez9741]

My guy 😭 miss watching yo videos 💯

[@shosmallz5079]

Other investment ideas for topic Tuesday

[@christiangeddes241]

Gr8 vid! Droppin math & using the platform 4 more than reviews is somethin few do. Im interested in selling those Used liquid assets. SX doesn't sell Used but GOAT does, insight?

[@midwestpete]

Chris G I actually run a start up company called squeaker heads check it out on Facebook and web squeakerheads.com I take consignment and going to start taking consignment on used products

[@Zeus0886]

Keep your balances below 30 percent of credit limit on each and below 30 percent of your overall credit limit. Thats if your carrying a balance. I messed up my credit when i was younger and worked my ass off to fix it. Im at 766, 760, 749 fico 8. Also don’t follow that credit karma crap thats not your real score.

[@yungjj2418]

“Use money to make more money” = invest

[@jimmyg8833]

Talk about knowing the right sneakers to buy & resell

[@jimmyg8833]

Im tryna become a reseller myself while in collage & idk how to start

[@yesDX]

@@jimmyg8833 Follow what's hot. Buy and resell it. Simple

[@tmasiah]

Discover it is tough for bad credit beginners

[@ASneakerLife]

Bad credit beginners?

[@tmasiah]

@@ASneakerLife discover it want a 620 or higher

[@tmasiah]

Capital one is ideal

[@gungi4764]

Nice vid

[@lukelukelulu]

If you can't afford it in cash then don't buy it on credit . Credit cards are good for accumulating rewards/points as long as you pay the balance in full within a month

[@jagstxr]

agree with everything you said except cars being an alternative investment lol

[@ASneakerLife]

😂😂 I didn’t mean it like that I just meant to focus on things you like or know lol

[@rkvang479]

depends on the car, make, model. Cars also take a very long time and its kind of unpredictable.

[@Rishisharma-ke8iy]

What credit cards do you have?

[@kbdabarber5044]

Wassup all the way from Dallas tx ❤️🤘🏼

[@hitmanab142]

Kevin Almaz FUNKTOWN FORT WORTH,TX🔥

[@kbdabarber5044]

HitMan AB ayeee that’s wassup crazy !!!!

[@brandolucianoo5365]

Yessir 🔥

[@ronaldomorales4539]

Jean collection video?!!!!!!! Please

[@ASneakerLife]

Ronaldo Morales once all settled for sure!

[@whoshotya7507]

How about you quit college and don’t ever get student loans unless your about to really use that degree for a job in the future do your research. As far as credit cards just swipe on everyday shit u have $ for. I first look at my checking know I have enough to pay the credit card right away then swipe my credit card instead of my debit and transfer over the full amount I just charged on credit card. This goes for shopping , food , groceries etc your credit will build up make sure you not scared to spend money either scared money don’t make money !

[@pimpmyride7278]

Whatever. I need that card wallet.

[@DreMullenMusic]

MAN I NEED TO KNOW HOW TO FIX MY CREDIT 😂

[@JB3tv]

1. Request a copy of your credit report. 2. Go over it and make sure everything that's on it is because of you. 3. Dispute anything that isn't you (If you find some) 4. Start paying off the smaller balances on it and then move on to chipping away at the larger balances.

[@elijahwilliams3575]

Jewelry I can’t find the right necklaces

[@saboogie]

Ay man, where the sneaker talk?

[@ASneakerLife]

huh?

[@saboogie]

Glad you touched on that, good stuff mike

[@100Bubbie]

I am sorry, but I was not taught 1) how to earn money, 2) how to save money, and 3) how to use credit responsibly 😢😢😢😢😢

[@gerardoflores5162]

Make a podcast!!!!

[@basketfullofish]

The utilization point was very important. Just get a secured card and have the money directly taken out of your account. You may not realize it but good credit only benefits us down the road. Staying between 10/20 percent means the bills should be very easy to manage

[@maceokirby86]

Ayo wtf!!! Facts

[@hz2768]

100k student loan wow....

[@JayyPrime1]

HS really messed us up lmao

[@waxxdout]

Shoes r really expensive!!!

[@biggest_bro420]

Yo

[@cartermontague1671]

Yo thank you man. I’m 13 and I have a 45,000 a year job and I need to learn how to save so thanks

[@desktop9413]

Carter Montague dammn what you do for a living?😂

[@wardog211]

Desktop carter a whole ass dope dealer

[@BallinDay96]

Carter Montague I was pushing carts at 13 wtf are you doing???

[@cartermontague1671]

Ya I buy and sell almost everything and I do landscaping and I mow lawns and shovel snow😂😂

[@RealistSWAGBeats]

It’s actually 30% of credit utilization you want to stay under:)

[@ASneakerLife]

Well like I said if you have 3 cards all at 10% that’s 30 lol