It takes a lot to admit when you are wrong or at fault. It takes a lot not to blame other people/things You learned your lesson and are now passing on WISDOM! That is awesome. idgaf what anyone else says! 🙏🙏🙏
As someone who studied economics at university, I'm amazed at how well he uses economic jargon. I see so many people misusing the terms or using them in improper context. I haven't seen that with Sebby.
I've actually been waiting for this video. You've hinted at your debt before in other videos and I really appreciate you sharing this part of your life with us. Every one of us has a financial mistake story we could share. Whats important is that we learn from them.
Margin call is the worst. I am glad you got it taken care off. I am glad you didn't get discouraged from investing again. You were on margin and on top of that the balance that you borrowed form the cards. Cash is King.
This is surprising to me because you're always adamant about being responsible and making sure you're getting positive expected value. I'm surprised too (although I can understand why) you didn't share this earlier, as it's really relatable for a lot of people. Your audience will respect you more for being candid
Your market predictions were perfectly reasonable... but what I always remind myself of when contemplating risk is: The market is capable of being irrational for longer than I am capable of remaining solvent. Hard won experience here, too. So yeah. Glad you dug out of it!
Congratulations, Sebby!....You deserve every one of your 100,000 subscribers, and I’m proud to be one of them! You’re one of the most intelligent and consistent content creators on TH-cam, and we can all learn a lot from your words of WISDOM!!
I know sharing this with such a large audience may have been hard but I appreciate you doing so. It strengthens the messages you deliver via this channel. It shows that you know what it's like on both sides of the coin. You've been there, done that, learned from it, and are now sharing your ups and downs with such a large audience. We get to benefit from your trial and errors and well as your success. Keep doin' what you're doin'....folks out here like myself really do appreciate it.
When I was in my mid 20s I went to Europe for a month on credit cards. I was temping at the time and had a flexible schedule. Took me 2 years to pay it off, but it was totally worth it. As i get older, I' m no longer in debt (except for mortgage), and the more money I make, the less I care about material things. I would have told my younger self to buy less crap I didn't need, but I guess when you're starting out, you finally have a chance to furnish your place the way you want, so it's hard to resist.
Congratulations on the 100k subscriber mark. I’ve been subscribed to your channel for a while now and it’s nice to see you post something about your personal financial downfalls as it seems every financial video is about how well the person talking is doing. It sometimes seems like when you’re in a financial downfall it will take forever to get out of it and we become anxious.
You are the man! There are tons of people who blame on everything other than themselves. Being self-critical and learning from past mistakes really makes our lives more organized and under control. I am so afraid of losing control after getting a credit hard, so only when I have at least 2x the cash, I would not purchase anything other than food and supplies. It works well for me right now.
"I ratcheted up the risk..." YES! This was me. I quit my job to run my Etsy shop using credit cards and getting points. It was doing really well. Then my son was hit by a car while walking, and I couldn't work on orders for three months while caring for him. It really was out of my control, but ratcheting up the risk was totally my fault.
Wow! Once again, you continue to inspire others. I don’t only watch your videos, I study them and apply the tools into my life. Because of you, I’ve worked on my credit & currently enjoying the rewards of Chase SP, AMEX Gold, AMEX Platinum. My mindset has drastically changed in the last 2 years. Between your videos and reading tons of books, I started my own business in the beginning of this year. Knowledge is power and thank you for what you do. You are changing lives and we all appreciate you! ❤️
It's never a bad idea to share information that you have learned a lesson from and that others may learn from so that they don't have a pitfall. Thanks for your personal lessons learned. I'm sure this video will open a lot of minds and eyes.
Shows you’re not perfect, you’re smart AF! And a human being...we all go through some tough sh*t once in a while...great video Sebby!!! Always looking forward to watching your vids
Thank you for sharing your debt story! We just recently got out of credit card debt (I feel dumb for even having any, but like you said, the solution looks simple from the outside). Your videos kicked us into gear, and now we are doing things right. An app actually really helped us keep track of our debt to asset ratio (YNAB, it is awesome). Thanks for your humility and for teaching us! 😊
We had a bad experience with Debt in our family and I decided never to do anything with Credit. For years I used my own earnings for spend. Thought credit was evil 😈 like many others in the comments section below. But slowly I understood the value of using credit responsibly making sure not to get into debt trap. There is no such thing as free money in life, you always end up paying more eventually!! Thanks Sebby. This was absolutely worth the discussion!!
@Sebby Thank you so much for sharing your debt story. When I had an issue with debt and credit cards back in my 20's I got rid of all of them. I basically stayed with 1 debit card and 1 credit card for more than a decade. You took your shot and it didn't work out. You not only dug your way out but you managed to turn the game on credit cards and make them work for you. You didn't stop there and even found a way to profit off of them with your channels. Good job!👏👏👏 On a side note: My wife LOVES Mandy's huge "Dora the Explorer" travel backpack and wants to know who makes it?
Appreciate you sharing that. Nice to know that you’re 100% human. Even better...you obviously can own your mistakes and learn from them. You’ve plainly put a ton of work into this channel. Hopefully hitting the 100k subscriber mark speaks success to you as loudly as your story spoke failure. Congratulations.
Good thing these lessons were learnt at an early age. I know some people who made such mistakes later in their 40's who were wiped out during the great recession.
Hey man, I really appreciate the video. I'm at a point in life where I'm trying to decide long term strategies (continue in my career and focus there or branch out), and videos like these play a needed counter balance to success stories.
Very Inspiring video. When I got out of college, I had a lot of student loan debt and some credit card debt. Had a job that didnt pay too much as well. It took me a year to realize that I had to get serious and I actually did the debt snowball plan to clean it up. Pay the smallest debt first and work your way up to the largest one by adding more to your debt payments.
Thanks for being candid Sebby, we appreciate it and all the great knowledge you've given us through this channel these past few years. Congrats on 100k!
Congratulations Sebby!!! I first got into your videos exactly a year ago when I was getting into credit cards, you’ve helped me a lot with best utilizing my credit! Hope your channel continues to grow!
Just saw this one pop up in my feed, not sure why I didn't watch it sooner. Talk about an extremely honest, candid insight into risks and pitfalls. Great video man!
Honestly this aged pretty well. I’ve definitely been tempted this entire pandemic to let my balances grow with no interest on new cards and invest it all. Thank you for sharing your story
Thanks for sharing! Congrats on getting 100k subscribers! We wouldn’t be successful if we hadn’t learn from our mistakes. Why do we fall? It’s to pick ourselves up. Keep up the great videos!
My parents have never been smart with money so when I got into credit I tried to be smart. But I got laid off and ran up my credit card just surviving. Slowly more cards got added and while I’m doing better now and smarter now than I was, I’m still trying to get out of my debt. Thankfully it’s not so overwhelming anymore but it’s still a work in progress
Thanks for sharing Sebby. I almost went belly up around 2008 and I had a car loan as well. I just skimmed by, got the car payed off and dug myself out.
Thanks Sebby for sharing your experiences. Was a brave thing to do and put yourself out there. Hats off to you my friend. Keep up with the great content. 👍🏼
Thanks for sharing Sebby, I viewed this sometime ago and really appreciated your honesty. I too fell victim to the financial crash but from owning a service business that catered to a high income crowd whom had been impacted. I have learned so much from your channel, my FICO score is even higher than it's ever because of the advice you and others out there share. Also the travels you and Mandy take are epic, especially when you do it with points. Happy Holidays to you both!
I completely feel this video, I put 10k in Bitcoin in October 2017 and then saw it going up, put all my money in the market in November which was another 40k, which was all of my money I had inherited and worked for, switched into altcoins in December and bought a lot of Tron, was up huge in January 2018 for the first week until the big crash that month. I got greedy and did not pull out and learned very quick greed is a strong drug. I started learning technical analysis when I saw my money going downhill super fast. After 6 months studying technical analysis 8-12 hours a day I thought I knew enough to margin trade and blew my account on that as well. I definitely have to work on my risk management. It will probably take me another 1.5 years to make the money I originally put in back, and 3 to 4 years to make the money back that I could have cashed out with at the top.
Thanks Seb. I’m a long time subscriber and I appreciate your honesty. You’ve really helped me with my credit. The rules to this game are hard and fast. It’s not easy to play in a textbook sort of way. The best thing is to know yourself and never lie to yourself. Good luck 🍀
I'm a regular on your channel and this is the best video you've made so far. Kudos to your mindset and how you've overcome the setback. A lot to learn from this video. Good luck!
thank you for sharing your story. i agree that leveraging credit card debt to make money is extremely risky. i have made some financial mistakes as well that slaughtered the hell out of me and i would never engage in risky financial behaviors again.
I just found your Chanel and already a big admirer. I appreciate your clear, concise and respectful way of presenting your ideas and opinions, and how very well constructed your videos are. Good luck and keep up the good work Love and regards, Ru
Good that you have self awareness and realized your mistakes. I don't think it's a bad thing to take risks while young, but like you said you got to a point of being too greedy. I've heard the Wall Street saying is pigs get fat, hogs get slaughtered where greed isn't wholly bad, but going overboard is deadly. ☠
I respect the courage it must have taken a successful person such as yourself to tell your story. This story is an important one to tell for many reasons. Thank you!
“You will know (the good from the bad) when you are calm, at peace, passive. A Jedi uses the force for knowledge and defense. Never for attack.” -Yoda, Founder of Rebellion Index Funds
Sometimes in life you have to put your balls on the chopping block, otherwise, what's the point? It takes guts to share missteps and mistakes publicly, thank you for sharing this.
Hi sebby, I'm glad you posted this video it took courage to do so, I have learned more from my few mistakes then from any book I read or any class I took in my life.
In 2010 I lost 100k @ 29years old all I worked for was gone with bad investment etc.. but live and learn!!! I was able to go bare minimum and some how manage to keep my credit good.. I'm a new subscriber to your channel and I really enjoy watching it!!!
great video man. I love the honesty. I love the fairness. In reality, life is all about risks. As long as we don’t do anything illegal, we should not bathe in the regrets of our mistakes. Pick up , get up and move forward. I am sure you’re in a better financial place now and you’ve learned a lot. I think people can use small amounts of credit to start a business. It just depends. Just make sure the amount you will use can be made back in the first 30 to 60 days, then pay off and then work from the profits. Just an example.
It takes a lot to admit when you are wrong or at fault.
It takes a lot not to blame other people/things
You learned your lesson and are now passing on WISDOM!
That is awesome.
idgaf what anyone else says!
🙏🙏🙏
Sebby, what's your background? You seem to know a lot about finance/investing. Would be cool if you did a Q&A video once a month or something.
As someone who studied economics at university, I'm amazed at how well he uses economic jargon. I see so many people misusing the terms or using them in improper context. I haven't seen that with Sebby.
If I had to guess, I’d say he’s a computer programmer, or involved with IT somehow.
I'm thinking Data Scientist based on comments in past videos.
He still ain't answer the freaking question
I'd say software engineering. He has an octocat figure on his shelf.
Kudos for not blaming something external. Double so for having self awareness.
No one is perfect. As long as we learn from your mistakes.
Congratulations on 100,000 subscribers.
Thank you! :)
You are human! ... Just teasing .. very reassuring, relatable and inspiring
The pain you endured has shaped your optimization mindset and discipline. With every bad there's a good at the end of the tunnel.
Another great video Sebby! and Congrats on 100k keep it up!!
Thank you! :)
While I'm watching this many years after you posted it, I think it's admirable to share your failures. It will help other people.
I've actually been waiting for this video. You've hinted at your debt before in other videos and I really appreciate you sharing this part of your life with us. Every one of us has a financial mistake story we could share. Whats important is that we learn from them.
100K CLUB. Keep up the work Seb
Hamza Assyad 😁
I'll see you there soon!
Margin call is the worst. I am glad you got it taken care off. I am glad you didn't get discouraged from investing again. You were on margin and on top of that the balance that you borrowed form the cards. Cash is King.
Congratulations on a 100,000 subscribers, my friend!!!
Thank you! :)
Congrats Sebby. Have to thank you! I’m a 21 year old college student and you’ve changed my life. Also got the gold Amex !
This is surprising to me because you're always adamant about being responsible and making sure you're getting positive expected value.
I'm surprised too (although I can understand why) you didn't share this earlier, as it's really relatable for a lot of people. Your audience will respect you more for being candid
the good the bad & the ugly. thanx for being transparent !!!
Your market predictions were perfectly reasonable... but what I always remind myself of when contemplating risk is: The market is capable of being irrational for longer than I am capable of remaining solvent. Hard won experience here, too. So yeah. Glad you dug out of it!
Life lessons teach us more about ourselves and with that we learn to be better versions of ourselves ✨🙏
Congratulations, Sebby!....You deserve every one of your 100,000 subscribers, and I’m proud to be one of them! You’re one of the most intelligent and consistent content creators on TH-cam, and we can all learn a lot from your words of WISDOM!!
Thank you! :)
Kudos to you. Honesty is the reason most people keep watching your videos. Best regards
I know sharing this with such a large audience may have been hard but I appreciate you doing so. It strengthens the messages you deliver via this channel. It shows that you know what it's like on both sides of the coin. You've been there, done that, learned from it, and are now sharing your ups and downs with such a large audience. We get to benefit from your trial and errors and well as your success. Keep doin' what you're doin'....folks out here like myself really do appreciate it.
When I was in my mid 20s I went to Europe for a month on credit cards. I was temping at the time and had a flexible schedule. Took me 2 years to pay it off, but it was totally worth it. As i get older, I' m no longer in debt (except for mortgage), and the more money I make, the less I care about material things. I would have told my younger self to buy less crap I didn't need, but I guess when you're starting out, you finally have a chance to furnish your place the way you want, so it's hard to resist.
Congratulations on the 100k subscriber mark. I’ve been subscribed to your channel for a while now and it’s nice to see you post something about your personal financial downfalls as it seems every financial video is about how well the person talking is doing. It sometimes seems like when you’re in a financial downfall it will take forever to get out of it and we become anxious.
Thank you! :) We can all learn from our failures and there aren't enough videos out there that talk about it.
Awesome that you were honest enough to post this! Obviously know what you’re doing know and have proven your expertise.
Thank you for your honesty Sebby!
You are the man! There are tons of people who blame on everything other than themselves. Being self-critical and learning from past mistakes really makes our lives more organized and under control.
I am so afraid of losing control after getting a credit hard, so only when I have at least 2x the cash, I would not purchase anything other than food and supplies. It works well for me right now.
"I ratcheted up the risk..." YES! This was me. I quit my job to run my Etsy shop using credit cards and getting points. It was doing really well. Then my son was hit by a car while walking, and I couldn't work on orders for three months while caring for him. It really was out of my control, but ratcheting up the risk was totally my fault.
Im surprised you had health insurance for him. Or was it car's fault and they took care of the bills?
Thanks for being Transparent and taking responsibility. Lessons Learned, Changes Made..
As long as you're in a better position today, it's nothing to be ashamed of.
Appreciate you making this video. It makes you even more human and shows that you know both the ups and downs of what you’re talking about.
Wow! Once again, you continue to inspire others. I don’t only watch your videos, I study them and apply the tools into my life. Because of you, I’ve worked on my credit & currently enjoying the rewards of Chase SP, AMEX Gold, AMEX Platinum. My mindset has drastically changed in the last 2 years. Between your videos and reading tons of books, I started my own business in the beginning of this year. Knowledge is power and thank you for what you do. You are changing lives and we all appreciate you! ❤️
It's never a bad idea to share information that you have learned a lesson from and that others may learn from so that they don't have a pitfall. Thanks for your personal lessons learned. I'm sure this video will open a lot of minds and eyes.
Congrats on accomplishing 100K subs. Way to go and thank you! I get a lot of value from your vids. More power to you! 💪🏽
Thank you! :)
Ask Sebby you’re welcome 😇
Shows you’re not perfect, you’re smart AF! And a human being...we all go through some tough sh*t once in a while...great video Sebby!!! Always looking forward to watching your vids
Thank you for sharing your debt story! We just recently got out of credit card debt (I feel dumb for even having any, but like you said, the solution looks simple from the outside). Your videos kicked us into gear, and now we are doing things right. An app actually really helped us keep track of our debt to asset ratio (YNAB, it is awesome). Thanks for your humility and for teaching us! 😊
So honest and helpful!!! Thank you, Sebby! Looks like no one is immuned to mistakes. We should all apply the rules from the beginning of the video.
We had a bad experience with Debt in our family and I decided never to do anything with Credit. For years I used my own earnings for spend. Thought credit was evil 😈 like many others in the comments section below.
But slowly I understood the value of using credit responsibly making sure not to get into debt trap.
There is no such thing as free money in life, you always end up paying more eventually!! Thanks Sebby. This was absolutely worth the discussion!!
I appreciate your honesty, and how you took responsibility. Great man.
Congrats on 100k!! Love this channel! Thanks for sharing that story. Really interesting.
Thank you! :)
Congratulations on the 100k subscribers, Shebby!
Thank you! :)
Congrats on 100k Sebby! I’ve been following your page since 2017 and I’ve learned a lot here.
Awesome! Thank you! :)
This was very transparent and was one of your best videos. Being real with your followers helps them relate. Great video!
Thanks!
You are one the most honest and reliable content creators and influence-rs around. Great content, excellent message!!!
@Sebby Thank you so much for sharing your debt story. When I had an issue with debt and credit cards back in my 20's I got rid of all of them. I basically stayed with 1 debit card and 1 credit card for more than a decade. You took your shot and it didn't work out. You not only dug your way out but you managed to turn the game on credit cards and make them work for you. You didn't stop there and even found a way to profit off of them with your channels. Good job!👏👏👏
On a side note: My wife LOVES Mandy's huge "Dora the Explorer" travel backpack and wants to know who makes it?
Appreciate you sharing that. Nice to know that you’re 100% human. Even better...you obviously can own your mistakes and learn from them. You’ve plainly put a ton of work into this channel. Hopefully hitting the 100k subscriber mark speaks success to you as loudly as your story spoke failure. Congratulations.
Thank you!
I think it's good to show your mistakes as well as discuss the downsides to leverage. Great video!
Good thing these lessons were learnt at an early age. I know some people who made such mistakes later in their 40's who were wiped out during the great recession.
Congrats on 100k shebby! Because of you I learned a lot about credit cards and I finally got my first started card! (Chase Freedom) a month ago.
Awesome!
Hey man, I really appreciate the video. I'm at a point in life where I'm trying to decide long term strategies (continue in my career and focus there or branch out), and videos like these play a needed counter balance to success stories.
Thanks for sharing your experience Sebby! I appreciate your honesty.
One if your best videos. Appreciate the honesty. Dont see that on most of the other videos here!
Thank you for being so transparent about your experience and backstory!
Very Inspiring video. When I got out of college, I had a lot of student loan debt and some credit card debt. Had a job that didnt pay too much as well. It took me a year to realize that I had to get serious and I actually did the debt snowball plan to clean it up. Pay the smallest debt first and work your way up to the largest one by adding more to your debt payments.
Glad you shared this. People need to hear this.
Thanks for being candid Sebby, we appreciate it and all the great knowledge you've given us through this channel these past few years. Congrats on 100k!
Congratulations Sebby!!! I first got into your videos exactly a year ago when I was getting into credit cards, you’ve helped me a lot with best utilizing my credit! Hope your channel continues to grow!
Congrats on 100k. So much better than the other guy
Thank you! :)
Just saw this one pop up in my feed, not sure why I didn't watch it sooner. Talk about an extremely honest, candid insight into risks and pitfalls. Great video man!
It is great that you were thoughtful enough to make this video.
Wow. One of your best videos. It’s great to know that your human like us. Well done.
It happens to all of us also be thankful this happened to you earlier on so you learned from it.
Sebby got margin called.. I would have never though lol. Glad you shared this man, it will save somebodies behind.
Honestly this aged pretty well. I’ve definitely been tempted this entire pandemic to let my balances grow with no interest on new cards and invest it all. Thank you for sharing your story
I respect you for sharing this.
Grats on the 100k!
Thank you!
A good story to share and beneficial for people to hear. Simple and not too complicated but it gets the message across
Thanks for sharing! Congrats on getting 100k subscribers! We wouldn’t be successful if we hadn’t learn from our mistakes. Why do we fall? It’s to pick ourselves up. Keep up the great videos!
Congrats on 100k sebby. It has been amazing to watch this grow and inspired me to make my own channel.
Awesome!
My parents have never been smart with money so when I got into credit I tried to be smart. But I got laid off and ran up my credit card just surviving. Slowly more cards got added and while I’m doing better now and smarter now than I was, I’m still trying to get out of my debt. Thankfully it’s not so overwhelming anymore but it’s still a work in progress
Thanks for sharing Sebby. I almost went belly up around 2008 and I had a car loan as well. I just skimmed by, got the car payed off and dug myself out.
Thanks Sebby for sharing your experiences. Was a brave thing to do and put yourself out there. Hats off to you my friend. Keep up with the great content. 👍🏼
Thanks for sharing, Sebby. Helps to paint a realistic picture.
Thanks for being transparent enough to let us know about your experience here! Congrats on 100k Sebby!
Thank you!
Sebby your market predictions were too ahead of there time 😂
If only I waited 5 years... :P
Thank you for sharing. Your honesty adds to your credibility and explains your viewpoint on finances. Kudos on the 100k! Well deserved.
Bro this is 1 of your best videos! We appreciate your honesty. That took guts to speak about your experience publicly. Keep up the great content.
Thank you! :)
Thanks for sharing Sebby, I viewed this sometime ago and really appreciated your honesty. I too fell victim to the financial crash but from owning a service business that catered to a high income crowd whom had been impacted. I have learned so much from your channel, my FICO score is even higher than it's ever because of the advice you and others out there share. Also the travels you and Mandy take are epic, especially when you do it with points. Happy Holidays to you both!
I completely feel this video, I put 10k in Bitcoin in October 2017 and then saw it going up, put all my money in the market in November which was another 40k, which was all of my money I had inherited and worked for, switched into altcoins in December and bought a lot of Tron, was up huge in January 2018 for the first week until the big crash that month. I got greedy and did not pull out and learned very quick greed is a strong drug. I started learning technical analysis when I saw my money going downhill super fast. After 6 months studying technical analysis 8-12 hours a day I thought I knew enough to margin trade and blew my account on that as well. I definitely have to work on my risk management. It will probably take me another 1.5 years to make the money I originally put in back, and 3 to 4 years to make the money back that I could have cashed out with at the top.
Awesome video, Sebastian! Thanks for sharing such a personal story. Plus, a HUGE CONGRATULATIONS on hitting 100,000 subscribers!
Thank you! :)
Thanks Seb. I’m a long time subscriber and I appreciate your honesty. You’ve really helped me with my credit. The rules to this game are hard and fast. It’s not easy to play in a textbook sort of way. The best thing is to know yourself and never lie to yourself. Good luck 🍀
I'm a regular on your channel and this is the best video you've made so far. Kudos to your mindset and how you've overcome the setback. A lot to learn from this video. Good luck!
Thank you! :)
Thanks for making this video Sebby
Thank you Sebby for sharing. 👏
thank you for sharing your story. i agree that leveraging credit card debt to make money is extremely risky. i have made some financial mistakes as well that slaughtered the hell out of me and i would never engage in risky financial behaviors again.
I just found your Chanel and already a big admirer. I appreciate your clear, concise and respectful way of presenting your ideas and opinions, and how very well constructed your videos are. Good luck and keep up the good work
Love and regards,
Ru
Good that you have self awareness and realized your mistakes. I don't think it's a bad thing to take risks while young, but like you said you got to a point of being too greedy. I've heard the Wall Street saying is pigs get fat, hogs get slaughtered where greed isn't wholly bad, but going overboard is deadly. ☠
I respect the courage it must have taken a successful person such as yourself to tell your story. This story is an important one to tell for many reasons. Thank you!
Awesome video Sebby!! Thanks for sharing your past.
I would have never thought you out all of people would of had debt. Thank you for sharing.
Thanks for sharing Sebby, I appreciate it.
“You will know (the good from the bad) when you are calm, at peace, passive. A Jedi uses the force for knowledge and defense. Never for attack.” -Yoda, Founder of Rebellion Index Funds
Thxns for sharing Sebby. I had similar mistake like you did and get wiped out too. Nowadays I focus on real estate and doing okay.
Sometimes in life you have to put your balls on the chopping block, otherwise, what's the point? It takes guts to share missteps and mistakes publicly, thank you for sharing this.
Hi sebby, I'm glad you posted this video it took courage to do so, I have learned more from my few mistakes then from any book I read or any class I took in my life.
Lessons learned... very important.
Thanks for sharing that personal story, Sebby, I could totally see you playing those games. Congrats on 100K subs! 👍
Thanks for sharing. Good that you learn it young and being smarter Sebby now 🤓
In 2010 I lost 100k @ 29years old all I worked for was gone with bad investment etc.. but live and learn!!! I was able to go bare minimum and some how manage to keep my credit good.. I'm a new subscriber to your channel and I really enjoy watching it!!!
Jerry Magallanes He’s a smart guy and he’s humble. I’ve been watching him for almost two years now.
great video man. I love the honesty. I love the fairness. In reality, life is all about risks. As long as we don’t do anything illegal, we should not bathe in the regrets of our mistakes. Pick up , get up and move forward. I am sure you’re in a better financial place now and you’ve learned a lot. I think people can use small amounts of credit to start a business. It just depends. Just make sure the amount you will use can be made back in the first 30 to 60 days, then pay off and then work from the profits. Just an example.
Dang! Congrats Sebby on that 100k! My go to for credit card rewards maximization!
Thank you! :)
Thanks for sharing and being honest about your finances. 😊