歡迎收聽「思維轉換力量」播客，這是一個面向青少年及其相關成年人的節目，我們將在這裡進行坦誠而直接的對話。我是主持人法蒂瑪貝，思維轉換專家。歡迎大家！今天我們邀請到的是塔瑪亞羅伯斯，她住在加州。她也是一位播客，並擁有 fixmycreditnow850.com。

她非常熱衷於幫助人們提升自我。而她幫助人們提升自我的方式，就是透過你的信用來幫助你。塔瑪婭，你今天過得怎麼樣？我覺得還不錯。你呢？

I'm good. I'm I'm looking forward to this conversation. So tell us, what is what is Fix My Credit Now eight fifty? What do you do? Well, thanks for asking.

I am a credit repair expert. FixMyCreditNow850.com is actually my credit repair company. So what I do is I teach credit repair. I fix people's credit naturally. And I also assist with other things related to, credit and credit repair, such as, helping people get business credit, sometimes creating a business so they can obtain business credit.

I go into trade lines. I help people with student loans, getting them discharged, forgiven, things like that. And and I'm trying to actually encourage people not to get rid of their their student loans, but to actually, make it positive into a positive trade line. But, yeah, I do a lot. I do a lot.

好的。我知道你會的。因為今天我們要聊的是青少年。而這檔節目的目標客群是青少年，所以我們先從最基本的開始。信用到底是什麼？

Okay. So credit is basically when you're you have a contract to borrow money from an entity. In particular, we could say a bank, and you're agreeing to a set amount with an interest rate, and you have to pay overtime the balance in a nutshell. Like, that's the easiest way to explain it. It's the same when you're trying to purchase when you purchase a car, when you purchase a home, when you have credit cards.

信用卡來自銀行。資金也來自銀行。所以，你同意在特定條款和條件下借款，而你借款的金額取決於你的信用評分，這就是我要說的。所以，這期播客的主題大概就是這個。對吧？

So when you have a high credit score, you get a higher limit. You get better a better contract. Let's say it let's put it that way. If you have poor credit, then you may get approved for a line of credit, but just under very poor circumstances. Okay.

So you said that and thank you for that explanation, by the way. I think that, we're so used to talking about credit in the adult world. We forget that the basics, like, what is it in the first place, gets kinda lost in the mush, I think. So you you work on credit repair. That's that's your focus.

Let's talk about how we can avoid the things we need to repair. So we're talking to teenagers. Right? So before they get into needing to to repair their credit and being the adult that has to come to you because now we done messed it all up. Right?

我認為大多數人高中畢業後最常犯的錯誤是什麼？你能告訴我們一些嗎？我當然可以。首先，在成年之前沒有學習什麼是信用以及它是如何運作的。這本身就應該像高中學習其他科目一樣，成為你學習的內容。

You would wanna add this to your your your your profile, I guess, to educate yourself on what credit is. Because once you educate yourself in, you can try to avoid mistakes to the best of your ability. So that's first off, understanding what credit is and getting educated. And then the next step is educating yourself on how to fix any mistakes you may have. Right?

So let's start off with that. Aside let's say you didn't know what credit was or or you weren't gonna educate yourself, but you did you did wanna be careful. Just start practicing paying for things on time. So even as a teenager, you might have an allowance and you have to pay maybe something maybe on regularly. Maybe you have to pay a membership fee.

Practice paying on time. Practice looking at your statements. Maybe you're paying an Internet bill. Maybe you have to pay your cell phone bill. You just take a look at your bill and learn everything that's on there.

Read the fine print. And it may seem, like, unimportant right now. Like, I get it. Okay. This is how much I have to pay.

This is when it's due. But I don't know if you, well, I'm talking to the kids, but I don't know if you've, are familiar with the term, the details and the devil. I mean, the devil's in the detail. Right? So the devil being in a detail is where there might be some special wording in a disclaimer or this fine print or on the tenth page of a bill statement.

我們習慣看首頁的內容。首頁色彩鮮豔，易於閱讀，但你的合約部分內容可能已經更改，他們除了在最後一頁用一些小字說明外，不會再做任何修改。學會閱讀你簽署的、你同意的內容。簡而言之，這能避免很多錯誤。

If you don't know anything else, do that. If you, you know, read the fine print. And but for the most part, it's just education. It's just learning something. Trial and error, but, you know, just practice on something small.

比如信用卡。很多人不是逃避信用卡，就是害怕信用卡。但青少年可以辦一張有擔保的信用卡。你也可以辦一張禮品卡，練習一下。你知道，就算你搞砸了，其實也沒多大問題。

這不會對你的未來造成損害。快說。什麼是擔保信用卡？擔保信用卡。所以，擔保信用卡與無擔保信用卡不同。

So let me explain both, actually. So when you go to a bank and you're asking for a line of credit or it goes back to the definition of credit where you're asking to borrow money and sign a contract where you will repay that with interest, you get a credit card. So there's two versions of the credit card. You have a unsecured credit card is that's what you actually want to always have. And then you have a secured credit card.

無抵押信用卡是指銀行盲目地信任你，並授予你更高的信用額度，額度可能不等，可能是5千美元、1萬美元，也可能是2萬美元。你的信用評分越高，信用狀況越好，貸款額度就越大。而有抵押信用卡是為那些銀行完全不信任的人準備的，他們不信任你的錢，說實話，也不信任你的錢。所以，如果你去申請無抵押信用卡，他們會查看你的信用報告，發現你沒有信用記錄，就像大多數青少年一樣。

Right? And there's actually a solution behind that, and we'll talk about that soon. But if you have zero credit or if you have super bad credit, then they'll say, you know what? We're not going to approve you for an unsecured credit card, but what you can do is you can give us some money, just a couple of hundred dollars, maybe $2,300, and we'll put it in a form of a credit card. Right?

And but it's your own money. And we're gonna watch you over time and see if you pay yourself back on time, if you pay yourself interest. And if you're doing this regularly, okay, then we'll say after a certain amount of time, give us a couple more hundred dollars. But they're gonna keep doing this until the bank feels comfortable that you're responsible enough to be given an unsecured credit card. So that is the difference between, unsecured.

但很多人，如果你是青少年，我建議你，大多數情況下你不會買房子。你不會很快買房。你也不會很快申請汽車貸款。我不是說所有情況，而是大多數情況。所以最好花點時間申請一張有擔保的信用卡，從長遠來看，這對你的信用有幫助。

Yes. And how old do you have to be to get a secured credit card? To be to that actually depends on the bank. It depends on the bank. It depends on Okay.

What state you're in a lot of times because what not every state considers 18 to be an adult. They might consider 17, six so it varies. But, I think you can be I'm pretty sure you can be a minor with an unsecured credit card. If you cannot, then, as long as you have a a guardian or if you're considered, what is it? I forgot the name when you are independent from your parents.

As long as you can prove that you're independent from your parents, then you should be able to get a credit card as a minor. Yeah. Okay. Why does credit matter? Okay.

Credit matters. Why does credit matter? So it depends on what type of credit that you're referring to. So there's personal credit and business credit, which we will also get into. But the ultimate goal is you wanna use other people's money.

你不想用自己的錢。這麼說聽起來有點亂。其實就是你想買東西，而不是花自己的錢。你想盡你所能靠信用生活。所以假設你想買車，假設你的車值1萬美元。

你可以用現金支付1萬美元，然後直接擁有它，即使你的信用記錄不好，也不會留下任何痕跡。而且，當你用現金支付時，沒有任何信用記錄。無論你是否負責，都無法追蹤。如果你用現金支付，我們甚至不知道你從哪裡拿到了這筆錢。

But if you pay with credit, what's gonna happen is you're going to the bank, you're getting approved for a line of credit, and it's their money. It's literally not yours that you paid out of pocket for. What you are paying out of pocket for and you don't even have to really do that, but that's getting into, credit on a whole different level. But what what you are paying out of pocket is gradually over time, you're paying, a payment. You're pay you have an agreement with them, and it's a monthly payment with some interest tied into that.

You're not paying the full 10,000. That would what is better? To pay for everything in cash if you don't really have it like that? Even if you're you're you're you're moderate to you're moderate income or you're mid level income or I don't wanna say low income because if you're low income, then you should definitely be careful of what you should and shouldn't be purchasing. But even if you have the money to pay for things in cash, you wanna build credit because that means the banks will want to give you more than what you have as well.

So that also is helpful on the business side and the personal side. So what do I mean by that? I don't know if you're familiar. There was recently an article, that came out that Jay z and Beyonce bought a house, and it cost, I don't know, let's say, $50,000,000. Of course, they have $50,000,000.

But, yeah, they they the article was kinda trying to low key slander them because they bought the house with credit. And they were like, yeah. They're billionaires buying a house that cost millions, and they could just write a check for it. But why? Why?

I don't wanna use my money. I wanna use your money. And then I wanna pay on it over time so I have more money in my pocket, and I'm building equity, right, when it when it talks about when you talk about purchasing a home. Okay. Next question.

T'Miyah，什麼是資產？我來告訴你。所以，有些東西，有些東西，對孩子來說很重要，因為有些東西你想買，有些東西你不想買。對吧？說實話，你真的不想買車，因為車子會貶值，也就是說，如果你買了它，它在你開走的那一刻就貶值了。

If you purchase a home, over time, it builds, it grows, it gives you interest, it gives you, equity. I'm sorry. So it is making you money. So you wanna look for items that will make you money and that you can purchase with credit. I'll give you an example.

People like what do you call those? I I really wish I was more into fashion, but I'm not. But there's those very expensive name brand bags with the t on it, for example, or those Birkin bags. They're gonna appreciate in value. You get once a day for $1,500, and ten years from now, it'll probably be worth $5,000.

If I can purchase that bag off of credit, I have it. I have it. It's mine. It's in my house. Right?

我有那個鉑金包。對吧？我還有那個有「T」的包。但我每個月大概只付50美元。而且隨著時間的推移，它開始為我帶來收入。

對吧？隨著它的價值不斷累積，我獲得了該產品的權益，我實際上可以提取權益。我可以去銀行說，嘿。順便說一句，我一直用你的錢支付的這件商品，我發現它正在累積權益。我想把這筆權益提取出來，我想藉它。

And then they'll say, sure. But you have to be in good standing. You have to just pay things on time. Pay things on time. Use the bank's money.

Don't use your own money. And if you're really So building really credit set. Mhmm. What I'm hearing is that building your credit helps to build your your future in more ways than one. Yes.

Yes. Yes. Yes. In so many ways. Yes.

You don't really the to be honest with you, you can you can have multiple credit cards and have the credit cards pay themselves and get a profit and take the profit out of that and just keep putting it back in the credit cards. I mean, there's so many things you could do with credit. You can cash credit out. You can have it repay itself. It's pretty flexible.

我聽到的是你所說的很多內容的基礎是紀律。如果我們想建立信譽，紀律？嗯。如果我們想建立其他任何東西，說實話，不僅僅是信譽，我們需要紀律。嗯。

If we can find ways easy. Like yes. Yes. And if we could find ways to practice some discipline when it comes to our finances, we can easily build credit. But anytime we don't practice discipline in any part of life, it will fall apart, not just credit.

現在我們討論的是信用。嗯。我覺得關鍵是要指出一點，嘿，你得建造。而且我喜歡用別人的錢這個主意。

Woo hoo. And if you build credit, you will you'll be able to do that because they'll look at you and say, okay. You're responsible. Here's more money, you know, insured. Let me ask you another question.

Is credit repair that's just a thing for Canada and The US. Right? No. So credit repair is be credit itself and how we use it into The United States is being copied throughout the world. In certain countries, it's starting to adopt our credit system.

So far, Canada is a close second. Right? So it's a close, close second. So credit repair in United States and Canada are very similar to each other, but we have different our our dollar, is different. The American dollar is different than the Canadian dollar and things like that.

所以兩者之間還是有細微差別的。我無法解決加拿大的信貸問題，但他們只是模仿我們類似的信貸體系。其他國家也在緩慢但穩定地採用這種做法。所以，他們在模仿我們。很多人不懂的是，信不信由你，印度在某種程度上也影響了美國的信用處理方式。

所以，你知道，印度、加拿大和一些非洲國家正在效法我們的做法。所以，是的。所以，這不只是買車這麼簡單。我的意思是，讓人們明白，這不僅僅是買車那麼簡單，有時我們傾向於認為這是一件我們必須處理的小事，而是從更宏觀的角度看，而且聽起來它正在不斷惡化。這肯定是一個大問題。

嗯。抱歉。現在對於青少年來說，你能告訴現在正在聽的青少年他們該做什麼嗎？你剛才告訴他們應該嘗試做什麼。但是他們現在應該避免什麼呢？不接受教育。

Not being educated on credit and where it's going because in my opinion, it's it's going to be personal credit's gonna be obsolete, but you will need to have good credit in order to get business credit. Personal credit is gonna be absolute, but business credit is going to thrive. So Okay. What I would tell a teenager just starting off before before they start off, I would catch them. I'd say, honestly, freshman year freshman year of high school.

Start edging your educating yourself on what credit is. Because it's forever changing, like technology, and because of technology in a lot of cases, you wanna refresh yourself every year. And then you wanna start building, and having a line of credit as early as possible, and that's where your parents come in. Because you're a minor, you can't get unsecured credit by yourself unless you prove that you are, emancipated. That's what I meant to say.

是的。我記得他們管這叫「解放未成年人」。這算解放嗎？好的。是的。

That's true. So unless you can prove that, and even still, I think you have to be a certain age, but you want to reach out to your parents and have the talk with them because some of our parents don't understand or know credit either. So I would recommend kinda making it a family thing as far as educating yourself. To this day, for example, my father, he was very good with money, and he made a ton of money for the family. I wanted for nothing, but he has no clue when it comes to credit.

All he knows is pay the bill on time, and that's what he did all his life. And he knew he had high credit, but he didn't know anything beyond that, and he didn't care because he knew he paid all his bills on time. So now that I'm a credit expert and I'm telling him about things, he's totally lost. And he's like, I'm learning because you're teaching me. So as a teenager, you wanna have the talk with your parents like they have the talk with you.

對吧？然後說，嘿。在我來到這個世界之前，我想建立一個信用檔案。我想了解信用，也希望你和我一起了解信用。我能做的最好的事情之一就是把我加入為你們信用卡的授權用戶。

Because the moment you add your child with the with their Social Security number onto a a good standing credit card, a credit card with no missed payments, no latenesses, anything like that, it gets mimic on their child's credit report. So they go from having no credit at all to having amazing credit. You wanna start your life off before you go to college, before you start, seeking credit yourself. You want us if you could start off at a 800 credit score, that would be absolutely amazing. So that means anytime you're applying for anything, you got it.

No questions asked. Unsecured what? You know what I'm saying? So you wanna have that talk. You wanna have that education with them, and then, that you already know what to avoid.

The main thing is you wanna avoid not paying for things on time. And then you wanna start purchasing things that you can afford and afford to pay back, whether it's even if it's your getting your phone, your phone number in your name. That's a line of credit. That's something that they report to the credit bureau. Why don't you start telling your parents, hey.

謝謝你的零用錢，或是我在麥當勞做兼職。我想開始付房租給你們。對吧？爸爸媽媽，每月20美元。告訴爸爸媽媽，他們可以向信用機構報告房租支付情況，這很容易。

So you're building positive credit before they even hit the world. That is an excellent idea. What I love the idea. That's an excellent idea. That's really good advice.

每月支付20美元，這不算什麼，你只需要建立你的信用記錄，因為它是一個一致的數字，可以說是一致的演算法。是的。現在我們來談談商業信用，因為你之前提到過，我認為這是一個值得提出的重點。我非常非常重視創業精神，並且我盡可能地鼓勵我們的年輕人創業。假設我是一個高中生，或者說是國中生，我知道我想擁有自己的事業。

What should I be doing right now to prepare myself? Mhmm. So what you wanna do to prepare is, again, always understand credit. Know the laws in your state because, every state, is completely different. I would try to keep everything as low as possible as far as your overhead is concerned.

所以我想在匿名州創業，因為我的一家公司實際上是匿名的，但費用也很低。這五個州通常是匿名州，像是德拉瓦州，那裡非常適合創業，還有肯塔基州，我忘了還有新墨西哥州，我記得是的。哦，我之前不知道。你會被視為外國人，但你可以選擇匿名，而且你的稅率非常低，低得嚇人。我之所以這麼說，是因為這是你的新公司。

You don't know where it's gonna go. You don't know if that might fail. You have to start another business and have another business absorb. You don't you don't know what you're gonna go with it, so you wanna keep your overhead as low as possible. Okay?

所以我會從一開始這樣做，然後我會嘗試把盡可能多的錢轉移到你的生意上，即使你十幾歲的時候。所以還記得當年付給父母20美元房租的時候嗎？現在你的生意已經建立起來了，確保你把所有事情都做到位，因為每個州的情況都不一樣。我會問爸爸媽媽，嘿。你能不能寫封信證明我當時在做這件事，然後向稅務局報告，然後讓你的公司接手？

所以，與其說是蘇珊史密斯在付錢給父母，不如說是她有一家叫ABC Productions的公司。所以現在ABC Productions付給父母的20美元。這就是你建立商業信譽的方式。還記得我說過嗎？ “嘿，明白嗎？”

Get the get your phone in your name. So once your business is established, you wanna do this after the fact, then you wanna have ABC Productions take over that phone bill. What that does is now you're building before you're asking anyone for money, it's looking like you already have money. It looks like you already have established your own credit by yourself through your business. So now your business is strong just like your personal credit was strong because mom and dad put you on as an authorized user.

Mom and dad was letting everybody let the letting the credit bureaus know you were paying rent. Right? You got your own phone bill in your own name. You may or may have a well, you probably have a job, or we can prove that you have a job. Right?

You're already your personal credit is already straight. You're in eight hundreds. Now your business has absorbed your debt because that's debt. Right? Paying someone rent, that's debt.

Paying on a phone bill, that's debt. So your business took over the debt, and now your business is in a position to go to the banks with a straight face and say, I want a hundred and $50,000 for my new business. So that's what you wanna do. That's what you wanna do. Awesome.

這主意太棒了！企業家。嗯。是啊，太棒了。

And it's not hard. No. It's really not hard. You don't need attorneys involved. I mean, it's it's it's really not hard.

You can get attorneys if you if you want, especially if you choose to be anonymous. Like I did, I got an attorney. But I've opened five businesses in a matter of ten minutes, so it's it's not that hard. Well, that's awesome. That's awesome.

I like that advice about building your credit, your personal credit, and then turning that into your business credit, once you're established. And and finding there it just goes to show you that where there's a will, there's a way. We can always find a way to make things work for us, and make things better for us. And then you're starting off on good footing, you know, right after high school. I'm a firm believer that you can come out of high school and go right into entrepreneurship, but I just think that you have to be properly prepared for it.

我認為，這是做好充分準備才能擁有更美好未來的要素之一。然後，當你回到同學會時，其他人都在各自忙著自己的事情，而你可以說我很成功，我現在收入六位數，或者其他什麼，無論你對成功的定義是什麼。我覺得這很棒。那麼，塔瑪雅，人們要怎麼找到你呢？嗯，你可以在網路上找到我。

我在社群媒體上非常活躍。你可以造訪我的網站，也就是我公司的名字：fixmycreditnow850.com。如果你在Facebook上，我實際上有五個Facebook群組，但我最活躍、最主要的一個群組叫做「信用與首次購屋者專區」。我在那裡進行了很多信用教育，甚至包括首次購房者。那裡有房地產經紀人、貸款機構，甚至還有銀行家。

If you have any questions, definitely hop on there, and someone will help you. And we all love education, so definitely hop on and check me out there. I'm also on YouTube. My YouTube is, you should be able to find me under fix my credit now at 850.com. And in the airways, I have a podcast called Coast to Coast Credit, and you can find me on Coast to Coast Credit as well.

Well, Tamaya, thank you very much for coming on today. We really, really I really appreciate it, and you taking the time to educate our our next generation. And, hopefully, they can do better than we did because they listened to you. Yeah. Thanks for having me.

I love it. I love educating, especially the young ones. I think in 2024, I'm considering having a some a credit summer school where it's not gonna be the whole summer, but just credit education for a week. So be on the lookout for that. But, I I've been a couple parents have reached out to me over the years and asked.

哦，好的。不過，我想我一定會爭取2024年實現這個目標。聽起來很棒。好的，再次感謝你。不客氣。

Thank you for having me. And now for a mind shifting moment. In today's episode, we talked about finances. Well, at least in the arena of finances. You're gonna hear throughout this podcast financing from different perspectives.

And today, the focus was focus was on credit with a lot of really wise advice. But I want you to take a deeper dive. Go back and listen to the episode again and think of things this way. Instead of just hearing the details of the advice that she gives, listen to the principles behind those details. Here's a little secret.

Most of the principles of life that work can be found in the principles behind finance. So go back and listen again, and listen for the principles and not just at the details. Because you'll find that in life, if you listen for principles instead of just details, you will learn all the secrets of life and gain all the wisdom you need to have. Listen to that again. Thank you for listening to Mindshift Power Podcast.

Please like and subscribe to my YouTube channel at the mind shifter. If you have any comments, topic suggestions, or would like to be a guest on the show, please visit FatimaBay.com/podcast. Remember, there's power in shifting your thinking. Tune in for next week.