video 3

They teach you how to divide numbers, memorize history, maybe throw a football.
But they never taught you how credit works.

They never warned you how easy it is to mess it all up before your kid even learns to walk.

Do not worry—I got you covered.

Let us talk about it. This is Rich Baby Daddy, Poor Baby Daddy.

These are the harsh truths about credit they do not want you to know, and how you can flip the game to become a rich baby daddy.

Stick around until the end. You will learn how to turn credit into cash flow.

PART 1: The Lie They Sold Us

They made it sound like credit only matters when you are buying a house—that is wrong.

Credit affects where you live, what you drive, even if you get that job.

It also affects how well you can provide for your child.

Nobody tells young men, especially young dads, that once you have a child, you are building a life for more than just yourself.

You are building trust with a system that does not trust you.

And if you do not play the credit game right, you will pay double for everything.

The Real Meaning of Credit

Credit is not just money—it is credibility.

It is your reputation with money, tracked by companies you have never met.

Measured by a score that speaks louder than your resume.

That three-digit number is your financial face.

One baby daddy gets 2.9 percent interest, another gets 27 percent—same car, different life.

That is the game.

Top 5 Credit Traps That Keep Dads Broke

Let us break it down—five traps turning good dads into broke ones.

Trap 1: Maxing Out Your First Card
You get a 300 dollar limit, spend 298 on diapers, gas, and wipes.

Your utilization is 99 percent—your score drops 40 to 60 points.

Credit cards are not for spending—they are for building.

Trap 2: Missing a Payment by One Day
You forgot. You were working. Your kid needed you—it does not matter.

One late payment stays on your report for seven years.

Trap 3: Co-signing for Family or Your Baby Mama
You meant well, but if they mess up—you pay.

Love is not a reason to destroy your credit.

Trap 4: Ignoring Collections
That 112 dollar medical bill becomes a collection, and your score drops 80 or more points.

Trap 5: Applying for Everything at Once
Each application is one inquiry—apply for four in a month, system sees desperation, and you get denied.

PART 4: The System is Designed to Punish the Broke

Have you noticed that people with the least money pay the highest prices?

Bad credit makes life expensive.

No car loan? You rent one. No credit card? You turn to payday loans.

No apartment? You pay 500 dollars just for a co-signer.

It is not because you are lazy or dumb—it is because nobody told you credit is a weapon.

If you do not protect it, it will hurt you.

PART 5: How to Start Fixing Your Credit Today

Here is how to fight back today.

Check your credit report for free at AnnualCreditReport.com or Credit Karma.

Look for errors, missed payments, and collections.

Pay your card balances to below 10 percent—not 30. That 30 percent rule is a myth.

Set up auto-pay for the minimum payment, and make sure it is on time every month.

Become an authorized user on someone’s good credit card—you do not even need to use it.

Start a secured credit card if you have no credit—use your own cash, it builds history like a regular card.

PART 6: How to Use Credit to Get Rich

Fixing credit is just the start—let us talk about money moves.

Use credit to buy assets, not liabilities. No sneakers. No chains.

Buy tools, gear for your hustle, courses to level up, and a laptop for your business.

Apply for zero percent APR cards—some give you a full year with no interest.

Use that time to flip something, start a business, and pay it off before the promo ends.

Build business credit under an LLC and keep it separate from your personal name.

Get lines of credit to protect your home, your child, and your future.

Use credit for leverage—rich people do not spend their own money.

They borrow cheap, invest smart, and grow wealth without touching their own cash.

Do not fear credit—control it, leverage it, and multiply it.

This is not about showing off—it is about freedom.

Being a dad does not mean you are stuck—it means you have a reason to rise.

Your credit is your tool in this world—use it wisely, or it will be used against you.

This is Rich Baby Daddy, Poor Baby Daddy.

We build legacies, not excuses—subscribe and let us get this money.

Comments

Post a Comment

Popular posts from this blog

Chapter no 1

  2. Advantages of a Client-Server System Using a LAN Compared to a large centralized timesharing system, a client-server model using a LAN offers the following advantages: Improved Performance Each client has its own CPU and can perform many tasks locally. This reduces the load on the central server and results in faster response times for users. Scalability and Flexibility It is easier to upgrade or add new clients without affecting the overall system. Services can be distributed across multiple servers (e.g., one for printing, another for files), which simplifies system management and increases reliability. 4. Additional QoS Parameter Needed Based on Traffic Type Besides bandwidth and latency , different applications require specific Quality of Service (QoS) parameters: (i) Digitized Voice Traffic – Jitter Jitter is the variation in arrival time of packets. High jitter can cause voice distortion or gaps during a conversation, affecting call quality. (ii) Vi...
Read more

chapter 2

  1: Compute the Fourier coefficients for the function f(t) = t (0 ≤ t ≤ 1) Solution: To compute the Fourier series of the function f ( t ) = t f(t) = t f ( t ) = t on the interval 0 ≤ t ≤ 1 0 \leq t \leq 1 0 ≤ t ≤ 1 , we first need to express it as a periodic function of period 1. The Fourier series of a function f ( t ) f(t) f ( t ) on the interval [ 0 , 1 ] [0,1] [ 0 , 1 ] is given by: f ( t ) = a 0 + ∑ n = 1 ∞ ( a n cos ⁡ ( 2 π n t ) + b n sin ⁡ ( 2 π n t ) ) f(t) = a_0 + \sum_{n=1}^{\infty} \left( a_n \cos(2\pi nt) + b_n \sin(2\pi nt) \right) f ( t ) = a 0 ​ + n = 1 ∑ ∞ ​ ( a n ​ cos ( 2 πn t ) + b n ​ sin ( 2 πn t ) ) Where: a 0 = ∫ 0 1 f ( t )   d t = ∫ 0 1 t   d t = 1 2 a_0 = \int_0^1 f(t) \, dt = \int_0^1 t \, dt = \frac{1}{2} a 0 ​ = ∫ 0 1 ​ f ( t ) d t = ∫ 0 1 ​ t d t = 2 1 ​ a n = 2 ∫ 0 1 t cos ⁡ ( 2 π n t )   d t = 0 ( since this is an odd function about  t = 0.5 ) a_n = 2 \int_0^1 t \cos(2\pi nt) \, dt = 0 \quad (\text{since...
Read more

chapter no 3

  1. The message is split into 10 frames, each with an 80% chance of arriving undamaged. What is the expected number of times the message must be sent to get the entire message through? Answer: Let the probability of a frame being transmitted successfully be 0.8, and the probability of a frame being damaged (and requiring retransmission) be 0.2. For one frame to arrive undamaged, the expected number of transmissions is the reciprocal of the probability of success: E [ transmissions per frame ] = 1 0.8 = 1.25 E[\text{transmissions per frame}] = \frac{1}{0.8} = 1.25 E [ transmissions per frame ] = 0.8 1 ​ = 1.25 Since there are 10 frames, the total expected number of transmissions is: E [ total transmissions ] = 10 × 1.25 = 12.5 E[\text{total transmissions}] = 10 \times 1.25 = 12.5 E [ total transmissions ] = 10 × 1.25 = 12.5 Thus, on average, the message will need to be sent  12.5 times  to get the entire message through. 2. Character Encoding...
Read more