Melanin Money Show

Join Our Wealth Workshop : https://www.joinwealthworkshop.com/register?el=videocrissain&utm_source=direct_to_ticket&utm_medium=ytConnect with Herman : https://urlgeni.us/youtube/channel/TbhIE3AI Is Deciding Who Gets Approved For Funding — Here's How To Beat ItIn this clip from the Melanin Money Show, funding expert Herman breaks down how artificial intelligence has completely changed the game when it comes to business credit, bank approvals, and even tax audits. Banks are now using AI to scan applications in real time, separating serious business owners from people just posting about money online — and if your business isn't structured the right way, you could be getting denied or approved for way less than you deserve.Herman shares his exact strategy for using AI to your advantage, including a specific ChatGPT prompt that analyzes your credit report and builds you a personalized blueprint of which banks to apply to, which cards to pay down, and which inquiries to remove before you even submit an application. He also breaks down how AI can be used to draft FCRA dispute letters to fight back against inaccurate items on your credit report — for free.If you're trying to get funding in this new environment, this conversation could save you thousands of dollars and months of wasted applications.🔑 What you'll learn in this clip:How AI is screening business funding applicationsHow to structure your business so AI reads you as legitimateThe exact ChatGPT prompt to build your personal funding blueprintHow to use AI to dispute negative items on your credit report👉 Subscribe to Melanin Money for more real conversations on credit, funding, and building wealth in the Black community.Follow us for more valuehttps://www.instagram.com/cofield_advisor/?hl=enhttps://www.instagram.com/georgeacheampongjr/?hl=en

Join Our Wealth Workshop : https://www.joinwealthworkshop.com/register?el=videocrissain&utm_source=direct_to_ticket&utm_medium=ytGeorge and Carter get real about lifestyle upgrades — which ones actually pay for themselves, and which ones are just lifestyle creep in disguise. From house managers to first class flights to luxury vehicles, they break down the exact math behind buying back your time, plus the upgrades they regret (designer clothes, too much house too soon) so you don't have to learn the hard way.What You'll Learn:How to calculate the real ROI on hiring a house manager or personal assistantWhy flying first class can pay for itself (and how to make it work for you)The "job beneath the job" strategy for getting access to high-level roomsWhy buying too much house too soon can backfire, even if you can afford itHow to know when you're financially ready for a lifestyle upgradeWhy designer clothes are one of the worst ROI purchases you can makeDisclaimer: This content is for educational purposes only and should not be considered financial advice. Please consult with a licensed financial advisor before making investment decisions.TimecodesFollow us for more valuehttps://www.instagram.com/cofield_advisor/?hl=enhttps://www.instagram.com/georgeacheampongjr/?hl=en

Stocks Reach ANOTHER Record High - Should You KEEP BUYING!?!Prices are climbing. Headlines are screaming. Everybody's panicking about the economy — but the wealthy aren't. In this episode, George and Carter break down how to think like an investor when the market feels unpredictable, why buying when others are fearful is the ultimate wealth move, and the one money move you need to make before the year is out.Find out :Why day-to-day news moves price, not value — and how to tell the differenceHow to build an "opportunity fund" without sitting on the sidelines out of fearThe Peter Thiel quote that explains why market timing costs you more than crashes doWhy missing the 10 best trading days can cut your portfolio in halfThe "buy Jordans on sale" mindset — and how to apply it to investingThe one financial audit that could unlock money you didn't know you had⚠️ Disclaimer: This content is for educational purposes only and should not be considered financial advice. Please consult with a licensed financial advisor before making investment decisions.Timecodes:0:00] Stop Fearing the Market — Start Buying It[0:40] Should Everyday Investors Worry About the News?[7:33] How to Know When to Actually Make a Move[9:17] How to Protect Your Portfolio Right Now[11:43] Don't Wait for the Perfect Time — Here's Why[13:02] Inflation & Taxes — What You Should Actually Buy[14:31] Is There a Perfect Time to Get In?[15:56] The Truth About Timing the Market[18:06] Get Honest About Where Your Money Is Going[19:07] Be Greedy When Everyone Else Is Scared[20:06] You're Choosing Stuff Over Stocks — Be Honest[21:11] Your Future Self Is Counting on You NowFollow us for more valuehttps://www.instagram.com/cofield_advisor/?hl=enhttps://www.instagram.com/georgeacheampongjr/?hl=en

If you are not moving your money around into healthy accounts, it WILL lose its value! In this Q&A episode, we're answering your biggest money questions — from investing basics to advanced tax and real estate strategy — straight from the Melanin Money community.In this episode, you'll learn:Whether you can write off business expenses paid with a personal credit card How to start investing the right way (even if you're starting small)How to legally pay your children from your business and fund a custodial Roth IRA How to borrow against your brokerage portfolio without selling your investments How to use an old 401(k) to fund a real estate remodel without paying taxes or penalties How to structure a tax-efficient real estate strategy in retirement using cost segregationThis content is for educational purposes only and is not financial, tax, or legal advice. Always consult a licensed professional before making investment decisions.Have a money question of your own? Drop it in the comments — we may answer it in a future episode. And if you want personalized strategy, join us for Wealth Week and get direct access to our team.Timecodes:Follow us for more valuehttps://www.instagram.com/cofield_advisor/?hl=enhttps://www.instagram.com/georgeacheampongjr/?hl=en

Join Our Wealth Workshop : https://www.joinwealthworkshop.com/register?el=videocrissain&utm_source=direct_to_ticket&utm_medium=ytYou could be actively working against your own wealth without even realizing it — and the habits that are pushing money away from you are more common than you think!In this episode, you'll learn:Why saving alone will never make you wealthy (and what to do instead)The mindset shift millionaires make between treating money as a "tool" vs. a "pool"How to identify the habits quietly sabotaging your financial growthWhat it actually means to make your money work for youThis content is for educational purposes only and is not financial, tax, or legal advice. Always consult a licensed professional before making investment decisions.Ready to stop guessing and start building real wealth? Join us for the Multiply Your Money workshop and learn the exact strategies wealthy people use to grow and protect their money.Timecodes:0:00 Cash Flow Over Bank Balances1:20 Revenue Advice By Income Level2:08 Why Wealthy Pay Less Tax3:40 Five-Part Wealth Building Blueprint5:08 Three Levels Of Tax Savings7:43 Biggest Mistake High Earners Make12:31 Cash Flow Now Vs Equity14:06 Right Business Entity Structure16:06 Passive Beats Active Income19:49 Wealth Triangle And Risk Mindset22:16 Trump's New Tax Bill27:19 Avoid Passing Down Tax BillsFollow us for more valuehttps://www.instagram.com/cofield_advisor/?hl=enhttps://www.instagram.com/georgeacheampongjr/?hl=en