On this episode, Ballin' on a Budget, Hustle and Kris dove into the importance of the budget. In Hustle's opinion, a written budget and opportunity cost go hand in hand, and two of the if not the most important aspects of financial literacy. Hustle went into detail as he utilized the budget to not only climb out the financial hole that he was in from excessive consumer debt, but he also lives by the budget even now that he is no longer in that financial hole. He also explains how he still has, if not more fun while utilizing his budget and how he budgets to his advantages. We stressed thru this episode that some of your favorite public figures use budgets also now, just they have someone do it for them such as certified public accountants and other members on their financial team to manage their money, which if not careful with that and not having their own financial literacy, that could also be a recipe for a disaster. Toward the end, Kris and Hustle had a moment which was raw and organic but you have to tune in to hear it! Thanks for listening and if you want to hear about a certain topic, email us at [email protected] and if you are looking to get some financial help and start learning about budgeting, contact us so we can help! Thanks for listening and please leave a rating if your listening platform allows. 

In this episode, Hustle speaks on one of his favorite and most important financial tools that he learned throughout his financial journey. Kris is out on vacation this week, so Hustle dives into exactly what opportunity cost is. He speaks on how some of the elders of the culture are communicating opportunity cost inappropriately by attempting to make the younger generation feel bad for how we spend our money when we purchase things such as designer clothes or rims for our vehicles. They do not have the communication skills to communicate what they are trying to say which is your dollar could stretch a lot further than you think. Hustle uses his impeccable communication skills and even relates to a few real life experiences to whereas he understood how far his dollar could stretch, but still decided to purchase what the older generation would claim, "a waste of money." He then goes into other scenarios from the opportunity cost of a $1000 up to $10,000, and uses real world examples of how he wanted to purchase a liability for $8,000, but used it as an investment and was able to double his money! This episode has a lot of gems in it, as he emphasizes his two favorite portions of the financial literacy, budgeting and opportunity cost. Please leave feedback, rate this podcast if your platform allows, and like and share on all social media platforms. If you have any specific topics that you want to address, like to be a guest on the show or need help with your finances, please email [email protected], find us on Facebook at @hustle smarter, or call/text 202-843-2553. Thank you so much and enjoy! 

On this episode, Kris and Hustle dug into auto loans and some of the secrets behind the process that Hustle found overtime when it comes to purchasing automobiles. Vehicles are the #2 reason why the culture doesn't have the capital to build wealth due to the average monthly payment of $4-500 not including the taxes and recurring regularly scheduled maintenance. While there is nothing wrong with purchasing a nice vehicle, one shouldn't become "vehicle poor" and not able to live life on their terms. The duo also dropped jewels on the process of finding their vehicle, staying away from 6-year loans which most car salesmen are selling to the customer, and if they are spending over a certain amount of money to ensure that is the vehicle that they could potentially see themselves driving for an extended amount of time in reference to the options of their choice and style of vehicle. This episode is for entertainment and educational purposes as we are not financial advisors and this is not financial advice. There will be a follow up to this episode in the future, and for any questions or comments or if you need any advice or help with purchasing an automobile, please email us at [email protected] or call/text 202-843-2553 for more information! 

On this episode, Hustle dives into his home-buying experiences, what led him to purchase his first home in New Mexico and the lessons learned as he continued to purchase two more homes. He also broke down the math on the equity in his current home, and how he used his previous home as a "stimulus check" to free him and his family of the consumer debt that accumulated from horrible financial decisions. He also reiterates numerous times that there is nothing wrong with renting and do not allow social media to make one feel as if they are not winning in life. This show was inspired by Jay-Z's "The Story of O.J." song off of the 4:44 Album when he started rapping about the equity and the longevity of investing in artwork. If you have any questions, comments, or want to hear a specific topic or book a consultation, email us at [email protected]. Thank you for listening!