Lil Woody - 2

The speaker discusses various issues related to credit scores, manipulation, and financial struggles. They express their skepticism towards credit scores and argue that they can be easily manipulated. They also mention the fraudulent nature of insurance and high costs of medical bills. The speaker advises against comparing oneself to others and emphasizes the importance of being content with what one has. They mention examples of people resorting to different methods to achieve their desires, such as working hard, using credit manipulation, or even committing crimes. The conversation ends with a discussion about the high costs of ambulance rides and the speaker's preference for taking an Uber instead. And we're back right here on the unemployment line, Doc and Larry P trying to tell y'all to keep out of court. And so before we left, we were talking about Larry brought up a great idea, and I don't know if this exists already. I don't have enough time to check my stats and research, but I do think if this has not been considered that, yeah, maybe child support should impact your credit score. But you know my issues with credit scores, and you've worked in this industry before. I feel like credit scores are a bit fraudulent. Like, because when you talk about that, this is where you get into the area of people doing what they're supposed to do. So when dudes would be able to throw out, you know, I take care of my kids, I pay my child support, that, like every other bill you pay, is not going to positively impact your score. I can pay my light bill on time, every month, for a decade. Let me not pay it for a month. Not only are my lights off, they're going to send me to collections, now my credit score drops. Like, those are the things that, you know, that's my only caution with credit scores. It just, you know, not to get into a whole financial literacy lesson, but, you know, building credit and understanding credit is something that is very important. However, as someone who is starting to, who has worked and tried to understand it, I've also realized that this credit score is fraudulent. It don't make, these things don't make sense. It can be too easily manipulated. Well, at the end of the day, I think the credit score, a lot of people, they work so hard to keep and maintain their credit score to a certain point. And some people, they just know how to manipulate the credit score to get what they want when they want it. Some people just don't care about the credit score. You know who really knows how to do it? Somebody who's trying to sell you something. Let's just go into a car dealership. Like, they will tell you, like, they won't say it, but they'll tell you. They'll be like, all right, so what's your monthly income? All right, you, um, what's your, what's your, uh, what's your rent? Ooh, you live there by yourself? You don't live there by yourself. So, really, you only pay half that, right? Really? Yeah, you see what I'm saying to you now? But, really, the people that, um, that know how to manipulate it are those people that, like, say that they can help you fix your credit. Because all they're really doing is, like, everybody that's doing that is really like, uh, it's a scam, but it's not a scam to you. They really, like, they get your credit score to go up. They may get your credit score to go from a 600 to a 750. Well, however, what they don't tell you is that your credit score going back to what it was before, but they say, hey, everything that you're trying to do, you'll be able to do it. Do it right now. You got to do it right now. Like, if you want to get in the house to get a call, get all this, because after, after they catch on and realize that all these disputes that we done put in actually are, like, like, they, they legit, they going to put them all back on there and your credit score going to go back down. But I'm going to be able to wipe them off for a little while for you. So, yeah, they really know how to manipulate the system. But, at the same time, I think nowadays, like you say, the credit score is fraudulent. There's a way to get anything that you want. No matter what your credit score looks like, no matter what your financial situation looks like. No, you could go to a car dealership and get a car with a terrible credit score. There are some housing programs where you can get a house and they don't even check your credit score. You know, it's our situations at this point where people have realized, like, you know, credit is people. I ain't got money, but they credit back. And so this is and this goes back to, you know, one of the core themes of our show, where are the drugs? So everybody takes different approaches to getting to this point, but ultimately is rooted in a similar thing. I see stuff I want. I don't have the money to get it. How can I get what I want? And very few various people take different approaches to it. Some people decide I'm going to work hard. I'm going to save. I'm going to put something together and I'm going to make sacrifices to get what I want. That's how I'm going to get this house. Some people decide to use like credit manipulation tactics to make it appear that they can afford things that they can't afford so that they can get the house. Other people, which might land you in court. Other people commit crimes so that they can get the money so they can get what they want, which also may land you in court. But ultimately, the root of the issue is y'all out here trying to live a life that you yourself do not always qualify for. And it's okay not to have all of this stuff. You don't need to have all the cars, all the cash, the nicest house, the nicest TV, all the video games, the nicest clothes. Stop trying to compare yourself to what everybody else got going on and just enjoy what you've got. And you might find yourself in a situation where you're not in trouble. But you're going to end up in trouble when you're trying to keep up with everybody else because you don't know what them people did to get into that position. You don't know what what that person in that nice car and that nice outfit, what they did to get that. They could have stole it. They could have been selling stuff. They could have been selling themselves. Who knows? What are they just trying to provide for their family? I see that different. And they got to do a little bit of law bending. Hey, listen, somebody just trying to provide for their family and going to end up with a RICO charge. That's what I'm saying. You might get you might get locked up for stealing. But you it's a big difference between. Future terrible classic set it off. Great example here. Data Pinkett was out here just trying to get some money so that her little brother could go to college. Right. But then he got killed. Then he got killed. Why are you still robbing banks, Jada? It wasn't it wasn't Jada. No, it was Vivica at that point. Yeah, because she had got fired from her job. Somebody else tried to rob a bank. And then the other lady, she had the baby. She was just trying to get enough money to take care of the baby. They was good enough cleaning floors, though, like Jada was cool, just cleaning floors at that point. And also they had also stolen enough money where they were good to go. And then other stuff happened or they blew the money. Then it was just like, hey, we got to go rob another bank. Like these are how things compound themselves. Like you're not rooted in who you are. Like it's a big difference between a man. We're just going to rob this one bank and we good. We done versus. Hey, if we can do that, that one time we can keep doing it. Right. Well, the thing is that they would break it. But they were like crimes like that. Is that. Life keeps life and. Small things is, for example, you know, a visit to the emergency room is three thousand dollars, bro. Let me tell you something. I went to the emergency room. And this is the thing. I went to the emergency room. Sat down. They did nothing but just tell me they was going to prescribe me some antibiotics. There are certain things that. That's all they told me, and they told me and they're like, so granted, the insurance paid majority. And they're like, you owe 250. And I'm like, oh, 250. But I'm looking, I was like, if it weren't three thousand dollars, I probably wouldn't owe that. You know why? Three thousand dollars? Because they know the insurance is going to pay for most of it. So then they jack up the price. And that's crazy. And I can understand if I sat there and y'all actually did something. I sat there and y'all basically told me, oh, man, yeah, we're going to get some antibiotics. I think it was worse, though, not just going to the emergency room, but getting in an ambulance. The ambulance, an ambulance ride is high. I never get in the ambulance. I always tell people all the time, like if I'm about to die, y'all better call me an Uber first. I'm bleeding. My leg coming off. But don't put me in that ambulance. Don't call me an ambulance. I don't want the bill. Y'all better call me an Uber. That Uber going to cost me at most 20 dollars to get to the hospital. Uber pull up. Are you Larry? Yeah, I'm Larry. And you going to look like you're going to the hospital, going to the emergency room. Yeah, I'm going to the emergency room. Now, take me to the hospital, Mr. Uber. I tell you right now, man, if y'all take me, you better give me five stars. I'll be having a heart attack. Yeah, I'll be put me in an Uber. Do not put me in an ambulance. That ambulance bill because they're going to like in the emergency workers are so cool about it. They're going to come in and play. Are you good? You know what I'm saying? Yeah, we're going to put you in there. We're going to put you in the car. We're going to get you. We're going to get you taken care of. That's cool. And they, you know, they're going to make sure you calm, make sure you're taken care of, get you to the hospital. But they know what time it is. They get back in that car. Yeah, he going to get a bill for that, man. That's another thing that's fraudulent. You talking about credit scores. Let's talk about insurance. Insurance is fraudulent. Because how am I paying $100 a month in medical insurance for the past five years I've been with this company? And the one time I go to the ER, y'all like, yeah, you owe $250. I owe $250? You owe me $250. I've been paying y'all $100 a month. Not to be this person or get into this tangent. Y'all can do your research on your own. But co-pays are rooted in racism. But, like, seriously, like, I'm not making that up. But to speak to your point, that is the issue. Like, my insurance gets taken out of my check every month. Every time I get paid, insurance gets taken out. I get sick, and I go to the doctor. I'm going to pay my insurance all along. And I should be able to just go in there and say, hey, I just need to see the doctor. Bill my insurance. You good. And they'll be like, yeah, you go on back. No, that's not the way it works. Like, now you owe us. Now you owe us money. Why do I owe y'all money? I already paid y'all. What do I owe y'all for? Well, actually, you haven't met your out-of-pocket maximum. My out-of-pocket maximum? Why do I have an out-of-pocket anything if I'm paying insurance? How much insurance can I pay for to never have to pay anything out-of-pocket? Why is that not an option? Life insurance. If I start paying on life insurance, then I stop paying on my policy. But let's say I paid my policy for a whole decade. I just basically put a decade's worth of money into the jackpot of life insurance. So then when somebody dies, they'll be like, pull the money out of their jackpot. But when I die, guess what? I just help somebody else get rich. And that's the crazy thing about life insurance is, your family won't get paid out what you put into it. They're going to get one flat rate. You get a life insurance policy. It's like, all right, I got a $100,000 life insurance policy. You might pay $300,000 over time. Your family's going to get $100,000. About how much you said? Oh, OK, cool. That's what the policy is? So the only thing you can do is be like, hey, can y'all increase the amount of the policy? Now you're paying more money. When you talk about scammers. And you might not die. No time soon. When we talk about scammers and pyramid schemes, nobody does it better than the corporations. Nobody scams better than the legal corporations that know how to scam you. Nobody does a better pyramid scheme than the government or the big corporations that know how to create the pyramid. And you can tell it's a scam because when you point out the flaws in the system, they'll only rebuttal us. But it's the only way. I've been able to figure out a way to not make me have to pay out of pocket when I go to the doctor. The biggest, if you can take the money out my check beforehand. The biggest scam in America is inflation. We print the money here. We control the value of the dollar. We throw away all of the money that's missed, that's not used. And then some way. The value of the dollar just keeps losing its value. And they say, well, it's because of inflation. And I'm like, well, how about one day we just say, hey, you know what? Today, the value of the dollar has not lost anything. And then they say, but we can't. Or they'll hit you with things like, well, you know, interest rates are fluctuating. Who's determining that? Who's making this up? Whose department is sitting around like, hey, man, put that thing up to 4%. What are we basing that off? Pop it up. Hey, hey, hey, hey, put that thing back down a little bit. Put it back down. Who's controlling all of this? Who's controlling the inflation? Who's ever controlling inflation? Tell them to take a vacation because this is the biggest scam. But, hey, man, the price of eggs went up. Why? Inflation, the dollar going down. Who said that? Right. Ain't nothing more frustrating. Especially when you're struggling to make ends meet. When you go to the gas station and you look up, you'd be like, gas is 40 cents more expensive than it was Tuesday. Today is Saturday. Who controlled that price? Who is this? Every day. It got to the point where it's digital now. I remember the days where somebody was going to climb up there and change the sign. I know them people were sick of it. 279. Wait, wait. Inflation. Inflation. It's 319 now. All right. Let me get on back up this ladder. Change it again. How about y'all just charge me what y'all want to charge me for gas and not what the government says charge? Two gas stations across the street from each other have different prices. Now, how are y'all doing it? How did you determine it? Is it competition? What's the price of the brick? Why does the price of the brick keep going up? That's all I want to know. And then you wonder why people are selling drugs and breaking laws and committing crimes. We got to. When we come back. I want to I want to ask, why do we have to? It's not an employment law.