ON THE PURSUIT PODCAST (PRST)
On the Pursuit (PRST) Podcast connects with entrepreneurs, movers and shakers that are making a real impact in life & business and we share these stories to motivate and inspire you to take action in your life. Now kickback and enjoy the show whether you are chilling, working out or on-the-move.
ON THE PURSUIT PODCAST (PRST)
Felon to Millionaire | Story of Ashley Nicole
What if you could turn your financial life around despite past mistakes and societal barriers? Join us as we chat with Nicole, a tenacious entrepreneur and credit repair specialist who transformed her life from facing credit challenges as a felon to becoming a beacon of financial empowerment. Her journey demonstrates the powerful impact of persistence, education, and adaptability, especially when it comes to managing credit from the comfort of home. We explore the liberties and opportunities that making money from home can afford, all while emphasizing the importance of consistency, honesty, and self-belief in the world of entrepreneurship.
Through Nicole's inspiring story, we delve into the transformative potential of effective credit management. Discover practical strategies on leveraging credit for personal and business growth, including tips on responsibly managing credit cards and reinvesting earnings into assets like real estate. We offer insights into using "other people's money" wisely and understanding the true value of credit scores, empowering you to seize control of your financial future. Whether it's overcoming credit hurdles or using secured cards to build credit, we provide a comprehensive guide to financial empowerment and asset building.
The entrepreneurial journey is riddled with obstacles, but with the right mindset and support system, success is within reach. We highlight the need for genuine, supportive relationships that foster both personal and professional growth. Learn why recognizing red flags in relationships and pushing past personal struggles is essential for wealth-building and financial literacy. Nicole's story of resilience and overcoming adversity is a testament to the power of belief and self-reliance, offering hope and practical advice for listeners ready to transform their lives and achieve their entrepreneurial dreams.
Welcome to the Honor Pursuit Podcast, where we connect with entrepreneurs, movers, shakers and business owners who've built amazing things on the pursuit of their goals and dreams. And I'm your host, brendan Boyd. What's up y'all? Welcome to another episode of the Honor Pursuit Podcast, where we connect with six, seven, eight-figure entrepreneurs, and today's episode is a treat for me. We're in Miami right now. It's a nice day outside, this one pulled up with something mean. You know what I'm saying and we're actually from the same place which is cool.
Speaker 1:We didn't meet there. However, we did meet in a place where the environment was proper, right Aligned. The frequency was high.
Speaker 3:It was aligned.
Speaker 1:It was definitely aligned right and we share a mentor.
Speaker 2:We do, we do right.
Speaker 1:One of the best, one of the best out there, and she talks about how you can get to the money but be at home, which I think is important. I mean, we're technically at home right now. It's not my home, but it's a home, somebody's house, somebody's house. But Nicole, I ask you, welcome to the podcast. Thank you for the invite.
Speaker 3:What's up? Glad to be here. Thank you for the invite.
Speaker 1:So what are you doing here?
Speaker 3:I'm at home. I stay in the house.
Speaker 1:Oh, so you just have someone else's house now. Somebody's house, but I'm in the house and one thing for sure is I make money. And what goes on in the house.
Speaker 3:Whatever I want, whatever I want to happen in the house, it's comfortable. We can be ugly at peace in the house out the way, right? So make my money at home. So I'm going to eight years strong at home. So I'm going eight years strong, god willing, and I'm thankful for it, and my whole, my whole goal, honestly, is to just continue pushing the needle and teach the collective, whether they take my advice or not. My biggest takeaway is always going to just be to educate the collective that they can do this too. It's just going to take consistency, right. I think that's the biggest thing Consistency and honesty. You're just going to believe that you can do it. It doesn't have to be the way I do it. There's multiple ways that you can do it, but you can absolutely make money at home and as an entrepreneur and it's just. It's just a blessing to be a blessing and for me to be a vessel, to be able to be a voice for the collective, to teach them how to do it.
Speaker 1:I think it's just an amazing thing to do so you're saying a lot of nice things here, like these sound. This is very nice, sounds comforting, you know. I mean sounds like a hallmark card. But what are we? I'm trying to put on my best hardware, bro but what are we? Actually, what are we actually doing, how we get money at home I mean there's multiple ways to do it.
Speaker 3:I personally, what with what happened with me was I? My niche is credit. I, I have done credit. I fixed my own after some jail time I'm a felon. And then, after that happened, with the trials and tribulations of just being an adult right, you need a car, you need a place to live the bare basics of being just an adult I couldn't get it. I kept falling flat on my face. I couldn't get it. I kept falling flat on my face. I couldn't get any of those things because of my credit.
Speaker 3:So I started learning about credit and a lot of people that I was learning from 10 years ago. This is way before TikTok, this is way before there was a lot of people on YouTube doing it. I was learning about it and a little bit on YouTube about it, and a lot of people are loud and wrong. So the information that I attained about it, I thought I learned enough to fix my own to get the apartments and the cars that I needed to get myself by as an adult, and it wasn't enough. I thought what I had learned would get me to a place where I could get those things, and it was not. It was not it. So I started plugging and playing, reading the books and and I had started to figure out what I needed. What I needed is not what everybody needed. So once I started figuring out what I specifically needed, I was like, oh shit, like this is different. Like credit is I don't have to use my own money that I don't even have. I wasn't making enough, like I don't think any of us are really, if we're working out in this, out there, right. So I'm like, oh shit, this is different. So I'm getting credit cards and I'm using them the right way which there's a million different ways you can do that Right, but I'm using them the right way to get a house, to get a car or an apartment, and then I'm just using different lines of credit to get other cash, producing assets, and I'm doing this from home, from my house, and I'm using those things to make income from home, and I've just continued to do that. I've had a credit repair company to help other people do the same.
Speaker 3:Now that I had a good understanding of how credit works, how to manage your credit, how to understand credit, I'm helping other people do it. I'm helping other people, other entrepreneurs that have credit uh that work with credit challenge clients, right? So solar credit repair companies, car salesmen, brokers, real estate agents right, the list can go on. I'm helping those entrepreneurs with their clients that have credit challenge uh clients. I'm helping those clients with their clients that have credit challenge clients. I'm helping those clients with their credit and then sending them back to those entrepreneurs, business owners, so now their clients can, in turn, get the approvals and the lines of credit extended to them that they also need to do the same, and that has grown my company from.
Speaker 3:It took me four years to figure it out, to make my first six figures, and then in about 13, 14 months, it went from six figures to multiple seven figures, right. So for the past four years now, I've been making multiple seven figures since at home, and anybody can do this, it doesn't have to be credit, it doesn't have to be credit. You can just literally be an entrepreneur from home and make six, seven figures. Whatever your passion is, whatever your niche is right, so is your revenue stuff.
Speaker 1:If you're an entrepreneur and your revenue is stuff, you don't need to fix your products or services. You need new audiences to discover you more consistently. Podcast guesting is the ideal way to be discovered 24 hours a day by your ideal clients. And guess what? The more people that know you, the more people can flow. You Head over to podcastmasterypackcom and take advantage of your first or next podcast. Let's go. I want to go back to the felon part.
Speaker 3:Let's go back to the felon part.
Speaker 1:But how you end up as a felon.
Speaker 3:How I end up. Okay, Boston.
Speaker 2:Okay.
Speaker 3:The top hip zeppy.
Speaker 2:Okay, the top hip zeppy.
Speaker 3:Okay, think about. Think about that time we had the chirp chirp. Okay, so think about that.
Speaker 1:You would chirp, chirp and you're leaving with the chirp chirp. Were you stealing chirps, was she?
Speaker 3:stealing chirps? I wasn't stealing, I was using it.
Speaker 2:You was going to bring it back.
Speaker 3:No, I was using it because I had clients that you were Clients, that you were. Selling things to on the street.
Speaker 1:So you were what we call.
Speaker 3:A street pharmacist. I was very good at it because I wasn't making enough money at my job. Right, they don't pay us enough.
Speaker 3:They don't pay us livable wages and if you're an honest worker you're nine to five, there's nothing wrong with that. But they don't pay us enough. Okay, they weren't paying me enough at my job. So some of my friends, who are very nice people, still friends with them today. They're some of my biggest supporters.
Speaker 3:I saw what they were doing and they were pushing weight. I saw what they were doing and I was like put me on. And they were like no, no, no, we're not good. No, no, no. I insisted. I said let me have a little bit and see what I can do. And very quickly I turned it over and they're like, wow, take some more. And I said, sure, Took some more, Turned that over very quickly. I had my money, they had their money, they gave me more product. I turned that product over. It was going great. It was going great and I got more greedy with it and I wanted more and I was pushing, pushing, pushing. I got caught up. I got caught up and I think I didn't get caught up because of the, because of the drugs. I got caught up because my car, my, I had a suspended license, a stupid ass inspection sticker requirement that Massachusetts has Wait, so you was driving dirty with my product.
Speaker 3:I was driving dirty with the product. Yes, that's like 101 like a dumb and you had the money to take care of it. I did at the time. Yeah, I did like a dumb ass um, that was just a lesson.
Speaker 1:That was just a lesson with a lesson dumb ass, 22 year old college dropout, didn't care.
Speaker 3:Arrogant, just a dumbass. Just like I don't care, like you can't tell me shit, you know, dumbass um yeah, I pulled over.
Speaker 1:Because of what? The inspection? Because my inspection sticker.
Speaker 3:So then they see my license is suspended and then they see, oh, you don't even have insurance, so yeah my dumbass is driving all the way dirty. And and then, because I think I'm just a hot ass, hot shit, stubborn. I'm an aries, by the way, so that will make a whole lot of sense all right okay, I resist arrest well do you. Yeah, I resist arrest. They get they, uh, and and I'm fighting, screaming, scratching all that and, uh, they pull the, they pull the canine out. And then I was.
Speaker 1:I stopped because I don't want that I don't want that part, so I stopped. You don't want the dog. I didn't want't want that. I don't want that part, so I stopped. You don't want the dog. I didn't want the dog smoke. You don't want the dog smoke.
Speaker 3:I've heard about the dog smoke I don't want the dog smoke. So they, you know, the knee in the back, the face yeah, your face was on concrete.
Speaker 1:Yeah, what side, left side, right side I think it was the right.
Speaker 3:I don't know, I don't know. One eye is bigger than the other. From that?
Speaker 1:Oh, really, yeah, did you sue.
Speaker 3:No, you could have. This was like in 2006 or 2007. I don't know.
Speaker 1:You can probably go back and open that case up.
Speaker 3:I was just a dumbass. Don't do any of that stuff. Remember Dare? Yeah, I was just a dumbass. And then I yeah, they made jokes that my wrists were so small they had to get the key for the handcuffs. It was funny for them and I ended up just making a plea deal and I did some time in MCI. How?
Speaker 1:much time did you do?
Speaker 3:And I got out. And then, when I got out, your life starts all over again.
Speaker 1:How much time did you do?
Speaker 3:How much time did I do? I did a little over a year.
Speaker 1:Oh, okay, and you was locked up. I was locked up. And I was a good girl. So was you reading that, and I got out early you got out early. Yep, it's crazy. You never I got out early. You don't know people's stories, it was the only charge I've ever had.
Speaker 3:I've been good ever since. I don't even have parking tickets. You just listen, but I'm a felon.
Speaker 3:It's okay, happens to the best of us yeah um, and I got out and then, like I said, I couldn't, I couldn't, they don't help you. They give you a bologna sandwich and send you on your day, you know. So I couldn't get anything like who's gonna hire a felon? Who's gonna give me a chance? Who's who you know? So I don't have any money, I don't have anything. I don't have supportive family, like on my mother's side, my father's side, they're absolutely very supportive and things like who you know. So I don't have any money, I don't have anything. I don't have supportive family, like on my mother's side, my father's side, they're absolutely very supportive and things like that. But, um, I was, I was a grown ass adult, like, get your shit together, you know. And, um, I'm glad that I didn't have that safety net because it forced me to figure it out on my own and I did. And um, that's when I had really started learning about credit and entrepreneurship.
Speaker 1:And look where we are now, failing in all so did you when you were transitioning, I guess, from being locked up to looking for opportunities that obviously weren't available. Right um was credit that first opportunity, that that you found, or like how? How did you end up? Oh, not at all.
Speaker 3:I was applying for jobs at um hotels. I got a job at a hospital as like a janitor, so I was turning rooms over and cleaning uh rooms and then they were like, oh, we pulled your record. I don't know why they didn't do it. The interview process.
Speaker 2:Yeah.
Speaker 3:But after, like my, the 90 day probation period comes when you're at a job. That's when they're like we have to let you go. You're found what the fuck. So that came and then and then, when I went to go, one of my friends was like hey, cause I wasn't making enough money to get my own place or do anything. One of my friends was like hey, there's a housing lottery. If you put your name on their specific wait list for that building, you might get called and they go waste on your income.
Speaker 3:So I was like, cool, I put my name on that list. They picked me. I viewed the building, I viewed the apartment and it was beautiful. Right, this was like years ago, so it was before all the luxury buildings were really popping up. It was absolutely beautiful, it was perfect. I was like, yes, I'm about to get in up. It was absolutely beautiful, it was perfect. I was like, yes, I'm about to get in. A couple days later, all my paperwork clears, everything Fell in and all right, it's based on your income. So I was like, there's no problem here, everything's perfect. A couple days later, maybe a week, they call me back we can't approve you because of your credit. Okay, so that still hurts to this day. Right, that still hurts me to this day. It was in Charlestown, beautiful.
Speaker 3:Right the building across from Haymarket, that one. I'm about to buy that building. I swear to God it still hurts me to this day. But yeah, they denied me because of my credit and that was the one that was the one that was like the pivotal moment for me where credit really like left a bad taste in my mouth, where I have a love-hate relationship with credit, Like I hate that. That's what it takes, because I could have afforded that apartment Even without the affordable housing a lot of us can afford.
Speaker 3:if we live within our means, a lot of us can afford the car and the apartment or even the house that we're applying for, but they deny us because of our credit, because of our financial report card.
Speaker 3:But then I love credit because it can literally change our lives, our family's lives, our grandkids' lives, everybody for the better. So I really do have a love-hate and that's why I love being a vessel for the collective to be like listen, if you listen to me or anybody that you can trust to learn how to manage your credit the right way and then use it, you can literally change your life. You don't have to own a credit repair company to do it. You can literally just do it yourself and use your own credit to do what I did. You can have millions of dollars without being a business owner in the credit space to make millions. You just have the assets by using your credit. You don't have to be an entrepreneur. If you have a nine to five or whatever job, use your job to be your first business partner to build your credit and use it to make the assets, income producing assets.
Speaker 1:So break that down real quick. So you're talking about use your job to be a business partner.
Speaker 2:Your first business partner.
Speaker 1:So those that are working right now that have a job have a nine to five. How would they go about using their job as their first business?
Speaker 3:partner. So what I would always tell them, if their credit starts, it doesn't start with like a seven right, the sweet spot for getting anything with credit approvals, with credit, higher lines of credit extended to them. It's going to be about a 720, right. The higher the better, lower interest, all that. But if your credit is not at least a 720, sometimes a 680. So 680, 720 is going to be the sweet spot to start getting you good lines of approval with lower interest rates.
Speaker 3:So if your credit is not there FICO, not Credit Karma, please your job can be your first business partner. So if you look at that and then you look at your utilization across the board, if your utilization is not below 30% 30% is barely where you get in the green I'm going to say 10%. So use your job to get your total utilization below 10%, right. So do as much as you can or as little as you can, but pay all your debts down. So it's below that 10%, right.
Speaker 3:And then take any open credit cards that you have, as long as they don't have late payments, as long as, again, that utilization is below 10%, use your job, your paycheck, whatever you can to make sure you're paying by the statement date, not the due date. The statement date is going to be before the due date. So look at all your current report cards that you're paying. Look at the statement date it's going to be before the due date and pay it on that day paying. Look at the statement date it's going to be before the due date and pay it on that day and then call every 91 days and ask for a credit line increase every 91 days from the due date or from the statement date every 91 days that your card is just open okay, gotcha right, so just call and ask for a credit line.
Speaker 3:Yeah, just call, like, as long as you're paying it on time and your utilization is at least below 30. But I'm gonna say 10, but at least 30 if you long as you're paying it on time and your utilization is at least below 30, but I'm going to say 10, but at least 30, if you're just you're having a tough time. Everyone's having a tough time right now is we're in a recession, right, inflation? Call every 90 days, ask for credit line increase. Don't go crazy. Don't ask for, like, an extra 5,000, but ask for 2,000, 3,000, you know, 500, 300. So that's not only going to help your credit score it's also going to give you more wiggle room.
Speaker 3:So you're using your job to help pay your utilization down, right If you have high limits and things like that high balances so just use your job to do that. Use your job to put money away in savings and use it as a down payment for something else. It can be anything. Really, like I said before, you don't have to be an entrepreneur to make millions from home. You don't have to be an entrepreneur to make millions from home. Yeah, you don't, but use your credit to do it. So entrepreneurship is not for everyone, but wealth is right. Say that again entrepreneurship isn't for everyone. You right, we. I think we can both agree I would agree but wealth is what's up y'all?
Speaker 1:I'm standing in the middle of the street and I'm willing to risk it all because I want you to grow, whether through paid or organic measures. Over the next five days the Audience Growth Challenge we're going to be teaching you podcast gifting strategy, video marketing strategy, social media, predictable viral creation strategies, the power of radio and digital PR and these strategies are what you need to grow your business over the next four, six, nine, even 12 months to skyrocket your success. So if you want to join the challenge, all you got to do is click the link below and join the audience growth challenge and join as a VIP. Let's get it. I like how you said that, because there are some people that obviously would feel like entrepreneurship isn't for them.
Speaker 1:Oh, and I could see it, you know, like entrepreneurs, entrepreneurs yeah, and I could see that because, like you said, there's people that want to or want entrepreneurs right, but they're not willing to do what it may take, they're not willing to take the punches. Then you know they're not willing to go. There might be some days, some weeks, you ain't bringing no money in or you're not willing to stay up those nights, you're not willing to do one more call or what you know or learning things. If you need to learn and move the needle before you can even be in a position to bring people in or bring systems into structure, whatever the situation is Right. But I do like how you mentioned the wealth part because with strategy and leveraging, like you said, credit, anyone can be in that position without having to be an entrepreneur 100%.
Speaker 3:Yeah.
Speaker 1:Yeah, yeah, so okay. Okay, how are they actually leveraging credit to get access right? So you talked about RSC being in that sweet spot getting 720. Like I was just telling a few of my friends recently to cut up the debit cards right.
Speaker 3:Oh yeah.
Speaker 1:Yeah, cut up the debit cards. Then also I was telling them to get a credit card because someone didn't even have a credit card, right. So for those that may be watching or listening that may be afraid of credit or they've been programmed to, you know, use a debit card, not use a credit card. They haven't even opened a credit card because maybe parents telling them, hey, credit is bad, whatever, like how do you work getting over that, that, um, that limiting belief?
Speaker 3:I honestly think that happens to all of us, right, like we are not taught that in school, right? We're just not taught credit and financial literacy at school. So it happens to all of us, so don't feel bad if that's you. And we are taught, even subconsciously, by our caregivers, our parents, about credit either just by watching them, and we don't even know that they're like over their head in credit until we're older and you're right. They tell us oh, just use cash or everything. Don't do that. They just tell us that. So a lot of us just go get a debit card. We just open a bank and we just have a debit card and we're just swiping away. We don't understand to go get a credit card and you shouldn't be afraid of that at all. I think a lot of people are afraid of that because of what we have seen our caregivers do, right, I think, what with with with me personally, I didn't. I couldn't get a credit card at all, so what I started out with was a secured card.
Speaker 3:Yeah, my specific one was discover it.
Speaker 1:Can you let her know what a secure card is?
Speaker 3:Secured means you pay a deposit first and then it becomes unsecured when they see that you're financially responsible. So with me personally, I got a Discover it card and I had to give them $300. It might be different for everyone. You might only give a hundred, you might give 500. I gave them $300. It was Discover it. They give me, they mail me back that card. It has my $300 on it. I'm able to use that card and I believe it was after 90 days. It could have been more, it could have been six months, I don't remember. But after paying that card every month on time and showing that I was financially responsible, they send me back that $300 and then they extended me their own line of credit. So now that $300 turned into $1,000. And now I could use it how I want. And it was a credit card and it was also being reported to my credit.
Speaker 1:And you had $300 back.
Speaker 3:I got my money back and they gave me an additional line of credit, so it turned into $1,000. And then you can call, like I suggested earlier, and you can extend it. So now it was $1,200,.
Speaker 1:And then you can call, like I suggested earlier and you can extend it.
Speaker 2:So now it was $1,200.
Speaker 3:Now it was $1,500. And then it was $2, and now I can get things like Chase.
Speaker 2:Now.
Speaker 3:I can get a visa Now, I can get American Express and get higher limits extended to me and things like that, so I wouldn't be afraid of credit. I would just be more afraid of that limiting belief that you have. Why would you want to use your money when you can use OPM other people's money? Would you want to use your money when you can use OPM other people's money? The banks you know and you just got to learn your limits and you have to learn that self-awareness that you can handle spending.
Speaker 3:Because I remember there were days where I would have credit cards and I would just swipe away. I would have no intention of paying that back. Just be honest with yourself. Be honest with yourself, like, if you know you're going to get a credit card and just swipe, swipe, swipe, swipe, swipe, you're just going to use it for vacation. You have no intention of paying it back. They're going to report that shit to your credit, you know. And then what are you going to do? Like you're never going to get, you're never going to get out of that, that rat race. It's very quick to get out of it and you can continue to do better. So, yeah, don't be afraid of credit cards. If anything, you want to push back against them because, like they don't honestly, they honestly don't give a shit about you. Like they're not there to. Like they're there to help you, but they're really not.
Speaker 1:Yeah, they're really not, so it's like take advantage, yeah they're selling your information.
Speaker 3:They like they check your credit before they extend it to you, but the second you're late they report you like no, fuck them. Like pay it on time, don't run it up and then get another one with a higher limit and then run that up. You know what I mean. Like just keep taking those stepping stones and leverage it. You know what I mean. Like push back, keep pushing back and then pretty soon you'll have a $20,000 card. You know, I think with my total credit cards I probably have close to a million dollars in just credit cards.
Speaker 1:So let me ask you this and that might actually be scary for some people, because I actually spoke to somebody about that before like they're, like can be why would I even want to? Like I don't even know what to do like. Why would I even want that? I'm like I'm afraid of that, right right so like and I like how you said that, so you, so, so you, you. You get access to this money, but you get access to opm and form these credit cards right lines, whatever stuff like that.
Speaker 1:Then you're going to put it to work you want to put it to work.
Speaker 3:You want your money to work for you, yeah you're working for your money or do you want your money to work for you?
Speaker 1:100. Yeah. So if you go to work, you're working for the money? Yep, but if you leverage opm and get access to these cards in these lines and you invest them into cash flowing assets, then your money's working for you, yeah, yeah. Do you remember the first cash producing uh asset that you acquired using credit? My?
Speaker 3:My first cash flowing asset.
Speaker 1:Yeah, using credit.
Speaker 3:So the first one I got, I got. Take a guess, what does everybody get?
Speaker 1:Longevity mat. Huh, car wash. Longevity mat A G-Wagon? Oh, you should know about it. I said a cash producing asset, I didn't say liability, or did you use it as a?
Speaker 3:cash producing asset. No, I got a G-Wagon right Because I was I had, so my birthday came around and I bought myself.
Speaker 1:I would have said G-Wagon If I would have. I see what you're thinking.
Speaker 3:So when you so, when I so. When I had a good amount of money, I bought myself the car outside cash right. I was just like'm gonna do this. I had plenty of cash, I'm gonna buy a car in cash. I bought that. But then mercedes has like their own car credit right, like they have their own car and when you have chase you can get like nine thousand dollars off a car and then with with the g wagon, you can write that off tax. You can write off tax wagons. So a tax right opposite tax wagon tax. I'm going to use that from now on.
Speaker 1:Tax wagon.
Speaker 3:Tax wagon so you can write it off. So then I'm like I'm going to buy this, I'm going to buy the G wagon, I'm going to privately rent it out and it's going to pay for itself. So I had a different vehicle and I used it as the trade-in so I probably put it put it was probably like worth 60 grand, put that towards it, got the g wagon um and it pays for itself. It pays more than the payments would be.
Speaker 1:So, and not to interrupt you because I like where this is going but when you was the intention to acquire the g wagon, to rent it out privately yeah, because I already have cars so it was just like I know that's gonna make me money yeah so I'm like I'm gonna privately just put it on and rent it out.
Speaker 3:I don't use tarot, it's through our company so it stays rented out. We had an nfl player take it for six months like we make money off of it. I just take it back, I get it wrapped up and detailed, cleaned out. It just constantly makes us money, um. It's just about paid off Um and then from there because it was making so much money that it's paid ahead. It's paid through Um. Then we take that and we bought storage unit.
Speaker 1:So I should do that with the Lambo down. You should do that, why not?
Speaker 3:I'm about to yeah Like take it a couple of days a month for yourself. Of course, and then the rest of the month like put it out.
Speaker 1:Yeah, let it do what it do.
Speaker 3:Yeah, and then take the money from that, buy some real estate. We have a storage unit now, you know, just because I don't care about storage units, but people do, they produce it out. Yeah, right, yeah so then we have a storage unit, right.
Speaker 1:We have an apartment over here, over over the bridge and why are I staying there? Huh, how come I'm staying there?
Speaker 3:what? How come I don't stay in there? Come on, we can have a kickback. Tell me about it. Nothing, we was outside last. Come on, we can go. Let's go, we can have the kickback. Let's go. We have that. We rent that out. We don't do it through airbnb because, like no, fuck airbnb. We want everything to stay within the family, within the house, right In the house. Everything's in the house right, everything's in the house.
Speaker 1:Stay at home.
Speaker 3:Stay at home, keep it within the family. We're not paying Airbnb.
Speaker 1:Can I get a stay at home? Millionaire hat, have you made some?
Speaker 2:I got some merch coming, I'll show it to you, I'll show it to you off camera.
Speaker 3:But we got some merch Stay at. But we got some merch Stay a home, millionaire, everybody can do this.
Speaker 1:Yeah, so how do you get so smart?
Speaker 3:I don't know, I have ADD, adhd. But ADD and ADHD doesn't mean I have like high functioning anxiety. I think all entrepreneurs do.
Speaker 2:Yeah, I agree I think we all do.
Speaker 3:I think we all have to be a little delusional. No facts and I think we all have high functioning anxiety. Yeah, but it's just, it's honestly it's from from going to jail.
Speaker 1:I have kids.
Speaker 3:You're in the south, so they say children yeah, right, I got children.
Speaker 1:Yeah, children, how many children?
Speaker 3:you got, I got like 10, I'm just gonna say 10 okay, let the people you got a couple.
Speaker 2:I got a couple, children got a few um, you gotta take care of them.
Speaker 3:Yeah, you know I didn't come from a supportive family. I don't do only fans, not yet, not yet, and if you did supportive family.
Speaker 1:I don't do.
Speaker 3:OnlyFans. Not yet, not yet.
Speaker 1:And if you did OnlyFans you probably wouldn't do it. You probably hire somebody to do the OnlyFans for you so they can produce it, so I can stay at home. Exactly, I'm saying well, I mean OnlyFans, you can stay at home too, but you know, True.
Speaker 3:I don't do OnlyFans You're. I'm so booty, yeah, like I have. I got children. I didn't come from a rich family, but a rich family comes from me. You're out here with the bars, you know, I didn't get a divorce, I didn't come up on money. I didn't get a settlement, I didn't you didn't get a settlement. I don't go to OnlyFans, I don't do any of that. Like people see a woman with her own money, that's what they assume.
Speaker 2:Yeah, yeah, yeah.
Speaker 3:You know what I mean. But no, it's not. I just work my ass off. I have kids. I just didn't want to ever feel like that again. When I got out of jail, they literally just give you a bologna sandwich and an orange-flavored drink flavored drink, because I'm an orange juice, it's just orange flavored something and they just let you out into the wild, you know, and like I don't ever want to feel helpless like that again when I get turned down from an apartment because of my credit, like that's fucked up yeah that's fucked up.
Speaker 3:I'm turned down from jobs. I've been turned down jobs because of my credit 100 too you know what I mean, like you feel helpless, I can't get to and from the job to pay for this apartment because I don't have a car.
Speaker 2:Yeah.
Speaker 3:Because of my credit.
Speaker 1:So you never wanted to feel denied from getting a place to stay again. No, that still haunted you, I assume. Yeah, yeah, especially not getting that place to talk.
Speaker 3:I don't like being told no.
Speaker 1:Yeah.
Speaker 3:You like being told no, I don't like feeling helpless. I don't like having the answers to things. I don't like, especially being a parent. I don't even want to say a mother. As a parent, as an active, full-time parent, I don't like having to decide if we can pay the rent or the light bill, or when it's back to school season. Can we afford that? That's an extra expense, but you can put on credit. You can pay it with your credit card. You always have credit cards that like my little best friends yeah you know which one do I want to use today?
Speaker 3:you know, and then you want to fund. You can almost fund your lifestyle. Do you like traveling? You get a travel card, you can get lots of points and then you can fly. You can fly for free, get free upgrades, upgrades in first class.
Speaker 2:You can travel hack.
Speaker 3:Facts.
Speaker 2:You know what I mean, that's one of my favorite things Travel hacking.
Speaker 1:Yeah.
Speaker 3:Yeah, so it's like you can fund your lifestyle and you're not using any of your own money. Whether, like I said, whether you work or you're an entrepreneur, wealth is for everyone.
Speaker 1:Yeah, so okay, let's kind of get to the particulars here. Okay, hey, listen, if you're looking to grow your podcast business or you're looking to leverage podcasts to grow your business, you want to tap in to the Podcasts, to Profits Academy. We're going to teach you exactly what it takes for you to get more exposure, to grow and scale your business or leverage podcasts so you can do more revenue. What you want to do is head over to podcast2profitscom and apply to work with me and a member of my team. Stay at home, millionaire. We're talking about credit.
Speaker 2:Yeah.
Speaker 1:Multiple seven figures. People are probably going to wonder like how are you? What are the products, what are the services? I know you're helping people, but what are the other verticals? What else do you offer that have achieved to your revenue?
Speaker 3:What has achieved to my wealth.
Speaker 1:Yeah, Like what other? I mean, obviously you're creating cash-proven assets.
Speaker 3:Right, right, right. What are your current products? That's like in my personal life.
Speaker 1:What's your products and services?
Speaker 3:So with me, for me as an entrepreneur. I specifically help individuals manage their credit Right. So, like I said earlier, if your credit isn't 680 to 720, I would help someone repair and manage their credit so they can start getting approved for things. I would help them understand credit because a lot of us we just go on our phone and we'll look at credit karma. That's not your FICO score. You're never going to get approved off of your FICO score, right. So I help people understand.
Speaker 1:So you mean you're never going to get approved?
Speaker 3:No, based on your based off of your credit Come here.
Speaker 1:Credit karma is not, so you need a FICO score you need your FICO score. Your credit karma. So so, if they're going to, if they're going to credit karma, where can they go to get their FICO?
Speaker 3:Annual credit reportcom.
Speaker 1:Okay.
Speaker 3:You get a free report.
Speaker 1:Annual credit reportcom.
Speaker 2:Yeah.
Speaker 1:Are there any of the apps that's going to give them a FICO?
Speaker 3:Yeah, you can go to myficocom. They're going to charge you for that. One Annual credit report is free, so you can order your free report right there. You can see what's going on. You can go to myfico that's a monthly subscription. You can go to there. You can go to Experian, transunion, equifax those are separate you can go to those, but you want to know what your FICO scores, because that's what lenders are going to look at.
Speaker 1:That's the real meat and potatoes.
Speaker 3:That's the real meat and potatoes. Credit Karma it's cool and all you can kind of see what's going on If you're not really using your credit. It's cool and all you can kind of see what's being maybe reported, but the numerical scores are more than likely incorrect. So, if you're like wow, I have a 720, 780. No, you don't. No, the fuck, you don't.
Speaker 1:Not on Credit Karma. No, you don't yeah.
Speaker 3:No, you don't. So I mean it's a Vantage score, so they're using a different algorithm than your FICO, right? So don't even stress about Credit Karma when it. So it's not correct. So what was your original question?
Speaker 1:The question is um the product services Okay.
Speaker 3:Yes. So if your FICO score is, let's just say, less than 720 and you want help, you don't, you don't need to hire someone for help. But if if you do want someone because they can do it on their own, you can do it on your own you can do, want someone to help you Because they can do it on their own.
Speaker 3:You can do it on your own. You can do your nails on your own. You can do your hair on your own. You can do your lineup on your own. You can change your oil on your own.
Speaker 1:I don't know about the lineup part.
Speaker 3:But I can do the ball to be on my own. The ball to be going crazy on my own If right like. But we pay for convenience, we pay for knowledge, we pay someone we think we can trust, right, right. But there's always going to be those warriors cooking me in the comments like you don't got to pay nobody to help you fix your credit.
Speaker 3:My baby, daddy, sister, cousin did it on her own yeah okay, but if you want help with your credit, I help people fix their credit, understand their credit, manage their credit, get credit, and I also help entrepreneurs that have their own credit repair businesses or work with credit clients that have credit challenges so solar, cable, cell phone, real estate brokers, auto sales and those that also have credit repair companies so I help them. I have a staff of how many do we have right now? 17. They're all on shore. I don't have any overseas people, even though that's fine if you do.
Speaker 3:I personally have always had people here with me Orlando, Miami and Houston. They're my staff and we provide the staff to do all the processing, mailing, updating, customer service. I have bilingual English, Spanish and Portuguese customer service staff. We do everything on your CRM for you. So all you have to do is convert your sales over to a client and we'll handle everything from there. And, like I said, we print off everything. We mail everything off. We didn't do that If you are an entrepreneur, business owner that works with clients. If not, if you're an individual consumer and you want help with your credit, you can reach out to me and we do that as well. So, yeah, we spoke earlier about what I personally do with my credit, my personal life that has contributed, but most of my money in my millions have come from me being an entrepreneur of those two things and building a business, yeah.
Speaker 3:Building a business from home.
Speaker 1:Absolutely.
Speaker 3:Yeah, a lot of people on my social media have seen my journey go, so the proof is right there. My receipts are right there. I love receipts. Your receipts are out to create. My receipts are right there Because there's a lot of people on the Internet. I'm sure you know they're just loud and wrong.
Speaker 2:Yeah, loud and wrong. Loud and wrong.
Speaker 3:Loud and wrong and you're just like come on, but they're believable.
Speaker 2:Yeah.
Speaker 3:They're believable. But then eventually you start to kind of see through the layers of their bullshit. So, that's why you're on the podcast. That's why I'm on the podcast IG and see receipts. It's very obvious.
Speaker 1:Yeah, no, no, I like that, I like. I really, I really like the message that you're sharing, letting people know that, hey, you don't necessarily have to be an entrepreneur, but wealth is for you.
Speaker 1:It is, and this is the path that we can help you get there. And then, once you're in position, you got options, you have opportunities, you got different things that you can use to leverage, to get you cash building assets. Yeah, that way, get your time back. You know you have to break your bone, break your back working for someone else making them rich. You can be building out like you said, like you didn't come from a wealthy family, but a wealthy family comes from you. You're right with the bars. That was a good one like that.
Speaker 3:Cut off that low-hanging fruit what's that mean?
Speaker 1:like cut off that low hanging fruit. What's that mean?
Speaker 3:Like, cut off that low hanging fruit, whether you are a business owner or an entrepreneur, as I said. Like, wealth is for everyone, right, but there's going to be that low hanging fruit around you that are going to hold you back. People places things, people, mostly people.
Speaker 1:Like some of your biggest supporters are the reason why you're not doing shit some of your biggest supporters, yeah, are the reason why you're not doing shit.
Speaker 3:Of course, write that down like if you, if you take like one of our mentors right, if you take the tiniest little thing like a dime, a penny, a crumb, right, if you hold it close to your eye, you're not gonna see anything besides that because it's so close to you. Some of your biggest supporters are so close to your eye. You're not going to see anything besides that because it's so close to you. Some of your biggest supporters are so close to you they're supporting all the bullshit you do your shitty mindset your disbelief it's okay, you can.
Speaker 3:Or they're like yeah, yeah, yeah, you can do it, yeah, you should do it, or no, you shouldn't do that. Or you know you can't do it. They're supporting everything. They're like your yes, people. They're so close to you that they're the reason why you're fucking stagnant. They're the reason why you're not doing shit. They're the reason why you're in the way. Or they have secret, like jealousy or envy, that they don't want you to level up, or you want to take them with you and like they don't want to go. No, they don't want to go. They're holding you back they don't want to do the work.
Speaker 3:They're sitting at your table to take a to-go plate.
Speaker 2:Yeah, facts.
Speaker 3:They're not sitting at the table to cook with you. You are Just sitting there to freaking. Take a goddamn to-go plate. You're going crazy right now. Sorry.
Speaker 1:No, I'm wrong. I'm wrong with that. They're just sitting at your table to take a to-go plate. Yeah, you know.
Speaker 3:I mean, sometimes you don't until you get hurt. Honestly, sometimes you don't. But you just got to keep an eye on certain people, watch what they say but, more importantly, what they're doing. You know what I mean. You can tell that fake support when somebody's like must be nice. I got a must be nice the other day from someone I've known for 30 years and we helped this person and then they got themselves in a hole again and we're like we're not going to help you financially again. But this is what you can do, this is what we can do, we can do this together. And then we got some snarky ass like must be nice, type shit and we were like okay, so it's like that.
Speaker 3:But I mean you're just going to watch the people around you. If they've supported you from day one and they save space for you to grow, they push you to be better, you to grow, they push you to be better. They don't put up with your fuck shit. You know they, I don't know, and you and it's mutual, it's. It's going to be mutually. You can't just take, take, take, take, take.
Speaker 3:It's going to be deposits and withdrawals yeah, deposits and withdrawals, and you can trust them and they show you with their actions that they're genuine and they really support you and they're just happy for you, without performing, yeah, and this is gender neutral. Yeah, this is gender neutral. Um then, yeah, if they're, if they don't seem happy for you, if they are just not showing up for you in ways that they can, it doesn't have to be anything, it just it could just be by actively listening. Yeah, facts, because, as an entrepreneur, especially like you, need someone to be there for you, like at the end of the day or after a long day, because our days don't end, we don't know what day it is, we don't know when.
Speaker 3:The last time we ate or tasted our meal this whole week went by hella fast I don't know, I don't know, or like when we eat we don't even taste the food because our brain is going, or we're typing away or we're on our something like we don't know.
Speaker 3:So just having people around you that, uh, you know are there for you and things like that, and just drop that low-hanging fruit, those stagnant ass stay. People that are just year after year after year doing the same goddamn thing all the time. They just don't want better for themselves. You try to put them in and they're just like, and they're just doubting it all the time and like not everything's gonna always work out, but even when the things don't work out, they're still optimistic, they're still like it's cool we got this stuff like that.
Speaker 3:The people that can teach from you and you can teach them. Learn from you and you learn from them. And it's just that. It's very. They make it obvious. Just stop looking beside, stop making, stop painting red flags, green, cut the shit listen, you're gonna listen listen, I got you're gonna trauma, stop the red flags green we all do it, damn, we all do it yeah, you and I really see that with people too.
Speaker 1:I've definitely done that when it's like I like this person. We've been friends for a minute, you know. I'm saying I feel like we got a relationship. Yep, this is cool. You see the signs. You see the signs and you paint it green and just because you got some history or maybe have some moments, you're like you know you, you feel it, you feel ingratiated with the person, like, yeah, this is my person, this is one of my people, yes, but they ain't. They ain't your people. I learned the hard way a few times.
Speaker 3:Yeah, it happens to the best of us.
Speaker 1:It just happened to me a couple months ago with a homegirl. Guess what she's out of here Out Low-hanging fruit Right Gone Low-hanging fruit, low-hanging fruit this is good. This is good right now. So I want to talk about your mindset a little bit mindset going into prison. Well, it wasn't jail.
Speaker 3:It wasn't prison jail prison and jail are not the same yeah, okay, your mindset going in you was a hustler.
Speaker 1:You was getting to it, so you was getting to it, you. You was getting to it, I was Right, so you was getting to it, you got out. Yeah, Started getting to it legally right, yes.
Speaker 1:You didn't come from a family of money, no Right. So what helped your mindset transition? Get a little stronger and get a little bit more intentional. Really go after this financial literacy thing, this wealth building thing, being more accountable, more consistent, more reliable just within yourself, because we're the first person that's going to do what we say we're going to do, or disappoint ourselves, right, true? So when did that click for you? And then how you started building on that, because I think that would be powerful for for people to to hear your experience with that if they're trying to build that. You know the green war, we're off on the on the flag, so now they're seeing these people that they're removing the people you know they put themselves in a good environment, so how do they stop building?
Speaker 3:all these blocks. I grew up in pretty much a very unsupportive, abusive home. I always had to rely on myself for certain like for like the first 14 years of my life, yeah, and then I had went with my father who was on the other side of that, very supportive, very loving. He was an entrepreneur. So I'm watching an entrepreneur from one spectrum. So I'm watching an entrepreneur from one spectrum, but I'm also used to depending on myself dealing with myself, from emotional to figuring out how to feed myself as a little kid coming home from school, being alone I'm used to that isolation type thing and then I go with him and he's taking me everywhere hustling, bustling, doing all this shit and I'm just getting loved on.
Speaker 3:So I'm just like what is this? So I'm learning, getting loved on. So I'm just like what is this? So I'm learning how to like love myself and do all that watching an entrepreneur. So then I go into adulthood and then I fuck up and I see the one person that pretty much said that he loved me, no matter what, disappointed, right. So when you, I'm not mad at you, I'm disappointed. That like kills you, right? That like that fucks everything up.
Speaker 3:So I think it was that pivotal moment where I was like I got to get this together. I got to tap into everything that I watched that man do my father, everything that I watched that man do just kind of like all it just I don't know, I just hadn't. It was like an anomaly for me. It just all like came out and I was like that man believed in me. So I had to like borrow his belief and I just tapped into it like I gotta figure this out.
Speaker 3:I can't continue to do this shit like. I can't continue to do this shit. Like I can't continue to be out here in the streets. He's disappointed in me. I can't. That was awful. Like I can't do this, so I can't get an apartment or a car or anything because of credit. So that was like my, that was like the. That I fell flat on my face because of credit. If they said it was because of money or some other shit, I would have tried to find the best job. Like I tried to go to Suffolk to get my MBA because I thought that was the way.
Speaker 3:I was like I'm just going to be a business owner, I don't know what, but I'm going to go to Suffolk and get my MBA and I like made it maybe one semester and I dropped out. I was like, fuck school, I can't pay attention, I don't like this. The structure, like I can't do, I can't afford it, and I dropped out. So, like I'm a college dropout, I'm a felon. I barely even made it through high school. I was like a solid D student, you know. So I think, just always tapping in and just betting on yourself, like I always bet it on myself and I'm I'm at the bottom of everything. You barely made it through high school, right, dropped out of college, went to jail, didn't have supportive maternal side of the family Um, but I had that one person that believed in me was my dad. So, like, think of that one person that believed in you, whoever they are, picture their face.
Speaker 1:They say you only need one.
Speaker 3:You only need that one. Whoever it was, was it your grandmother, your auntie, your dad, your mom, your brother, your sister, a caregiver, someone that took you in as a parent, a brother, a sister? Who was that? Who was that one person that believed in you, picture their face? And is it yourself?
Speaker 3:because a lot of times it's not ourselves yeah it ain't ourselves, um, we're, we're hard on ourselves, but just picture that one person, who it was, and just tap into that and borrow their belief and become a, become a fucking monster. And it just created a monster and I just have not stopped ever since I'm looking at a monster right now.
Speaker 1:I'm looking at a monster right now beautiful monster, beautiful. Stay at home, monster.
Speaker 2:Yeah you know, somebody's gonna do it somebody's gonna represent I heard it?
Speaker 1:I heard a scream on on online the other day too.
Speaker 3:That joint was I was so frustrated it it was crazy, you said I was hitting those bars you were saying those notes, notes. Hitting them notes yo.
Speaker 1:Man, this has been great. Like this is going to help somebody? I hope so. This is for someone out there right now, just a story of, like you know, hustling, getting locked up, being an ex-felon, coming out being a dropout. You know what I'm saying. Like you know what I'm saying. Like you know, having friends disappoint you, credit fucked up, can't get a crib. You know what I'm saying. And then you put it all together, and not only did you put it all together for yourself and your family, but you're helping so many people at the same time. Either do it for themselves, put them in a position, or helping them. You know, do the same thing for others.
Speaker 2:Right.
Speaker 1:That's amazing, thank you. So how do people become stay at home millionaires, how they shopping with you, how do they become?
Speaker 3:monsters too. I mean, they can find me on IG, they can find me on Facebook. They can go to my website. It's diamondoutsourcingcom. Diamondoutsourcingcom. Myourcingcom. My ig is nicole underscore ashley official. It's a verified one, um, and facebook it's nicole ashley, and you'll know which one is me.
Speaker 3:okay, because there's some fake accounts out there but, you'll know which one's me on facebook, but tap in with me any of those ways and if you want some help with your credit, if you want some help um finding uh with, if you want some help with financial literacy, I'm your girl. You can become a monster, a stay-at-home millionaire. Either way, wealth is for everybody.
Speaker 1:So my last question for you is this you got Diamond Outsoilers Academy, let's just say right, and you got young people coming in there, right? They need to leave with three principles that they're going to apply to their life forever. What three principles would they leave with?
Speaker 3:three principles. Does it have to be financial?
Speaker 1:it can be whatever you want it to be they want to leave with three principles. They have to. They can't graduate without these. They have to like, take these principles that they're going to learn from from your environment, to make them better. What are those? I?
Speaker 3:don't like giving people advice it's not advice three principles, if I was doing that yeah well, talk to me.
Speaker 1:What's three principles you give me to improve my life? What would you say to them? What would you say to me?
Speaker 3:stay out the way. Stay out the way. Don't give a fuck like really about anything yeah and um, jesus three principle and shit, just use your credit utilize that credit. Stay out the way don't give a fuck, use that credit stay out the way, don't give a fuck, because people will really, uh, tear you down facts and use your credit and use your.
Speaker 1:I like that cut up them. Debit cards yeah, you got one. We should make, we should have had one a debit card, just to cut one I got rid of debit cards listen y'all.
Speaker 1:Today's podcast was great. I feel like I was hanging out with one of my best friends, just really kicking it, but really giving the information to y'all. You know, I mean, like, make sure y'all tap in, uh, diamond outsourcingcom, right, diamondoutsourcingcom. Nicole underscore ask me on instagram and nicole ask you on facebook. Yep, right, get the information, tap in. If you want to learn how you can be a stay-at-home millionaire. If you want to learn how you can help more people, you want to get your situation together. If you want to get right, uh. Or if you just want to learn how you can help more people, if you want to get your situation together, if you want to get right, or if you just want to learn more about what she got going on and what she pulled up in and how she turned a G-Wagon into a tax wagon. You know what I'm saying? Listen. But another episode of the On Pursuit Podcast. I'm Brendan. This is Nicole Ashley. Stay at home millionaire. We'll see you guys on the next one.