学校从不传授的融资秘诀——Benjetta揭露真相

欢迎收听《升级》播客。我是主持人保罗·亚历克斯，从一名警察转型为帮助像你我这样的普通人每日创收的八位数企业家。我创办这档播客是为了激励你们并助力实现目标。让我们共同赢取胜利。

Welcome to the Level Up podcast. I'm your host, Paul Alex. I went from being a cop to a 8 figure entrepreneur that helps average people like you and me make money every single day. I created this podcast to help you get motivated and to crush your goals. Let's win together.

记住，我会守护你们的后方。现在就准备好升级吧。嘿朋友们，欢迎回到《升级》播客，我是保罗·亚历克斯。今天我又邀请到一位非凡的嘉宾。

Remember, I have your six. Get ready to level up right now. Hey, guys, and welcome back to level up podcast. This is Paul Alex. And today, I have another phenomenal guest, guys.

如果你们曾考虑过投资企业，却不知该选择何种类型的企业。还有资金问题对吧？这总是我被问到的第一个问题。

Now if you guys ever thought of investing into a business, but you don't know what type of business to actually invest into. Okay. And what about funding? Right? That is the first question I always get asked.

‘保罗，这需要多少钱？’归根结底，我的回答始终是：你必须找到解决方案。这才是领导者的风范。今天我有幸请到一位出色的嘉宾。

Paul, how much is it going to cost? At the end of the day, I always say like this, you gotta find solutions. Okay. That's how leaders lead. Now today, I have a wonderful guest.

我想让她自我介绍，因为领导者应以身作则。现在请告诉正在苹果播客、Spotify和YouTube上收听的听众们你的身份。

I'm gonna let her introduce herself because, hey, you are a leader and you lead by example. So tell the folks right now that are listening to this on Apple, Spotify, and YouTube who you are.

大家好，我是贝内德塔·斯蒂尔，'动力之母'公司的CEO兼创始人。我帮助企业家获取六位数资金用于品牌投资，实现业务增长、扩展和最大化收益。

Hi. My name is Benedetta Steele, and I am the CEO and founder of Mother of Motivation. I help entrepreneurs be able to access 6 figures and funding for investing into their brand to grow, scale, and just maximize their business.

太棒了。那么你来自哪里呢？

I love that. I love that. And then where where are you, coming from?

我来自北卡罗来纳州。

I'm coming from North Carolina.

卡罗莱纳地区啊。非常好，非常棒。

The Carolinas. Yes. I love that. I love that.

北卡罗来纳州的罗利市。

Raleigh, North Carolina.

原来如此。是在那里出生和长大的吗？

There you go. Born born and raised?

不是，我出生在加利福尼亚州的洛杉矶，但大约八岁时我们搬到了那里。所以我的根基是在那里扎下的。

No, I was born in Los Angeles, California but we moved there when I was like eight years old. So, that's where my roots have been created.

这样啊。你在凯利还有家人吗？

Yeah. Do you still have family in Kelly?

有的。在比佛利山庄、兰开斯特和帕姆代尔都有。

I do. In, in Beverly Hills, Lancaster, and Palmdale.

真不错。

I love that.

我也很喜欢。所以我每年三月都会回去一次重温旧时光。嗯，充满了爱的地方。

I love that. So I go up there like once a year in March just to revisit. Yeah. Full of love.

确实该这样。从东海岸到西海岸都要走走。好了，我们进入正题吧。在你开始真正帮助企业或创业者融资之前，你之前是做什么的？是什么让你进入这个领域的？

You got to. You got to from coast to coast. So, all right, let's jump into it. So before you got into actually helping businesses or entrepreneurs with funding, what were you doing before? Like what got you into that niche?

在进入这个行业之前，我其实是在医疗健康行业。我一直很喜欢照顾他人，这始终是我的热情所在。所以我做过护理、儿童看护、美发护理，现在则是财务护理。

So before I even got in the industry, I was in the healthcare industry. I always like caring for people. I love caring for people. That has been my passion. So I did nursing care, child care, hair care, now financial care.

推动我进入这个行业的，主要是看到很多人在疫情期间经济困难。作为第一响应者，我目睹了太多人失去生命。这让我从自己的角度思考：如果我的生命终结却未能发挥全部潜能会怎样？我该如何帮助人们摆脱财务困境？

And what pushed me into the industry was basically seeing so many people, you know, going through the pandemic, financially struggling. People losing their lives because I was a first responder. I've seen a lot of people lose their lives. So it really put me in a perspective to think from my angle, what if I lost my life and I didn't reach my fullest potential? And how can I help people get out this financial struggle?

于是上帝指引我退休。是的，他让我辞去工作。我当时说：主啊，我刚买了这房子，你就要我退休？他说：难道我照顾你还不够久吗？

So god told me to he told me to retire Yeah. And leave my job. And I was like, Lori, I just bought this house. You want me to retire? He said, haven't I take care taken care of you long enough?

所以当你离开时，我会照顾你。而我已经这么做了。

So I'm gonna take care of you when you leave. And I just did it.

那时候你多大年纪？

How how old were you, at that time?

就在那个时候，我29岁。

At that current moment, they'll I was 29.

你那时29岁。嗯。你有孩子了吗？

You were 29. Yeah. Did you have kids yet?

有。说实话，在那之后，我被迫多做了些事，因为我儿子在2020年疫情期间做了重大脑部手术。所以我不得不离开，申请了家庭医疗假。之后，你知道的，我得赚钱养家。

Yes. And to be honest, on the back end with that, I was kinda forced a little bit more because my son had major brain surgery during the pandemic in 2020. So I was forced to, like, kinda leave. I took a FMLA leave of absence. And then from there, you know, I had to make money.

就是这样。

So yeah.

他那时多大？

How old was he?

贾冯特那时16岁？嗯。对，15或16岁。

He was Javonte was 16? Mhmm. Yeah. 16, 15 or 16.

所以16岁，你29岁，刚在卡罗来纳买了房子？

So 16 years old, you're 29, you just bought your home in the Carolinas?

是的。

Yes.

在卡罗来纳州，新冠疫情爆发了。COVID改变了每个人的生活。所有人。对吧？无论是糟糕的、好的，还是具有转变性的，对吗？

In the Carolinas and COVID happens. COVID changed everyone's life. Everybody. Right? Whether it was bad, good, transformational, right?

而你遭遇了重大变故。所以就像面临战斗或逃跑的选择，对吧？

And you had a major incident happen to you. So it was like fight or flight, right?

是的，彻头彻尾的改变。哇。家庭，你知道，还有工作生活，因为那很可怕。你处在一个不知道自己是否会失去生命的境地。

Yes. All the way through. Wow. Family, you know, the work life because it's scary. You're in a situation where you don't know if you're gonna lose your life.

没错。而你仍然关心他人，想帮助他们保住生命。同时你还得应对作为父母的责任。我是个单亲家长，所以生活并不轻松。

Right. And you still care about the people so you want to help them save their life. And then you still have to battle being a parent. And I'm a single parent. So my life is not easy.

基本上我必须做我该做的事。你知道那很难，但我相信上帝不会给我们承受不了的考验。所以他让我挺过来了，我现在就在这里。

Basically I had to do what I had to do. And it was you know it was hard but I feel like god don't put no more on us than what we can handle. So, he pushed me through it and I'm just, I'm here.

我特别喜欢这句话，而且我非常欣赏你坦然说‘嘿，我是个单亲妈妈’的态度，因为我能深深共情。你知道，我也是单亲妈妈抚养长大的，我常对别人说，无论对错，我对我妈妈永远怀着无比的敬意，因为她竭尽全力确保我被正确抚养。我相信你的孩子们将来也会这样评价你。

I love that saying and I I I love the fact that you're like, hey, you know, I was a single mother because I I can relate that to a lot. You know, I was I was raised by a single mother and you know, I tell everybody this, you know, wrong, right, my mom, I would always have mad respect for her because she literally went out her way to make sure I was raised right, you know? And and I'm pretty sure your boys, they're they're gonna say the same thing.

那是另一场战斗。很多人不理解我们背后要做出多少牺牲。流过的眼泪，熬过的长夜，早起的清晨，还要做饭、打扫，同时必须成为保护者和供养者。这真的很不容易。

That's a different battle. You know, a lot of people don't understand on the back end of what we have to sacrifice. The tears we cry, the long nights, the early mornings, you know, just cooking, cleaning, still having to be a protector, a provider. That's a lot.

确实如此。

It is.

所以我要向所有单亲父母致敬。不仅限于女性，因为我也认识单亲爸爸。这真的很了不起。

So my my hat goes off to any single parent. It it doesn't matter just women because I know male single parents too. So it's a lot.

没错，完全同意。我特别欣赏你刚才说的，做单亲父母非常艰难。我相信现在有很多人正在观看这个节目，尤其是这个播客，因为这是个帮助企业家建立正确心态的自我提升节目，对吧？我觉得我们找对了嘉宾，太棒了。

No, absolutely. And I love I love how you said that, you know, being a single parent is very hard. Now, I believe that there's a lot of people out there right now watching this, especially at this podcast because this is a self help podcast to help entrepreneurs with the right mindset, right? And I think we got the right guess, right? So I love that.

那我们具体聊聊吧，好吗？深入探讨一下商业方面。当你听从上帝的指引，需要转向另一个方向时，如何找到这个有资金支持的细分领域，然后将其转变为商业教练？

So let's talk about specifics, okay? Let's go into a little bit of business. So you go ahead, God's telling you, hey. You need to go another direction. How do you find out this niche with funding and then just turn it into a business coach?

因为这非常有趣。不是每个人都能直接投身其中。所以

Because that's very interesting. Not everybody can go ahead and just dive right into that. So

这绝对不是一跃而就。这绝对是一个过渡过程。是的。因为对我来说，这实际上是一种生活方式。所以，我必须走出自己的舒适区和思维定式，认识到有那么多人在财务、借贷方面向你寻求帮助。

it definitely wasn't a dive. It was definitely a transition. Yeah. Because really it was a lifestyle for me. So, I had to get out my own comfortable space and mindset to say, you know, so many people come to you for help when it comes down to finances, when it comes down to borrowing money.

你如何帮助这些人？再说一次，我在28岁时买了第一套房子。所以我想，如果我能做到，我完全可以教别人怎么做。对吧。但我如何引导他们达到这个目标？

How can you help the people? Now, once again, I I purchased my first home at 28 years old. So I'm like, if I can do it, I could really teach other people how to do it. Right. But how do I structure them to get there?

对吧？所以再次强调，在做这类事情时，你必须尽早定位自己。我一直遵循我的‘P原则’，即充分的准备可以防止糟糕的表现。我在所有事情上都这么做。所以，你知道，就像教导我的社区一样。

Right? So once again, when it comes down to doing certain things like that, you have to position yourself early on. And I always live by my p's, which is proper preparation to prevent poor performance. So I I do that with everything. So, you know, it's like teaching my community, okay.

我们需要专注于整理财务，确保按时支付账单，确保处理好优先事项。我不能像其他人那样和朋友出去玩，我在17岁时就有了两个孩子。我必须支付账单，不能回到母亲那里。

Well, we need to focus on getting our finances in order, making sure your bills are paid on time, making sure, you know, that you are handling your priorities. Instead of me hanging out with my friends, I had children by the age of two children by the age of 17. I couldn't do what everybody else did. I had to pay my bills. I couldn't go back home to my mother.

我母亲和我住在一起。对吧？这让我被迫在很小的时候就成为一个成年人，教会了我如何帮助他人过渡并经历同样的事情。这就是我如何成为‘激励之母’的。这就是我开始金融事业的方式，基本上就是自己过这种生活，并能够轻松地帮助他人。

My mother stayed with me. Right? So it just put me in a place where I was forced to do be an adult at an early age where it taught me how to be able to help other people transition and go through that same thing. So that's how I became mother of motivation. That's how I started the financial aspect, you know, just basically living this life myself and being able to easily help other people.

那么你是如何获得第一批客户的？因为我觉得，你知道，我和其他一些成为企业家的朋友聊过，创业是令人紧张的，对吧？这不是胆小的人能做的。不容易。你是怎么找到客户的？

So how'd you obtain your first clients? Because I feel like, you know, I've talked to a few other friends of mine who became entrepreneurs and, you know, to start a business, it's nerve racking, right? It's not for the faint of heart. It's not easy. So how did you find like your clients?

我有个小秘密。当我刚开始创业，完全离开医院的工作时，我从上帝赐予我的天赋——美发开始。我有自然护发执照。所以我搬进了一家沙龙，租了几个套间，基本上是从那里开始的。然后我更多地转向金融领域，放弃了美发。但我的理想客户大多坐在我的椅子上。

So I have a little secret When I first started my entrepreneur journey and, I fully left my the hospital position, I started out with the gift that God gave me, which was hair. I have my natural hair care license. So I moved into a salon, had a couple of suites, and basically started there. Then I transitioned more so in the financial aspect fully, and let the hair thing go. But most of my ideal clients were sitting in my chair.

没错。因为我非常善于与人相处，建立关系。所以，人们总是会告诉我他们的问题。

No way. So I would yeah. Because I'm very personable with people. I build relationships. So with that being said, people will always tell me their problems.

我就是有种亲和力，大家总想和我掏心窝子。所以在财务规划方面，我自然而然成了全能顾问——帮他们制定策略方案。比如有人想买房？或是给车子申请低息贷款？我都能搞定。

I just have this gift of gal where everybody always wanna get really personal with me. So that's how I became that full business owner when it came down to the financial aspect because I'm helping them strategize the plan. Let's do this. You wanna become a homeowner? Oh, you need a lower interest rate for your vehicle?

创业者需要融资？我就分享自己的实战经验。我只能传授亲身验证过的方法。就这样，我的理想客户既包括美发椅上的顾客，也包括医院里的同事。

Oh, you're a business owner. You need funding? This is what I did. I only can give you what I did. So with that being said, my ideal clients were right in my chair and then working in the hospital too.

所以就是...没错。

So it's like, yeah.

这太棒了。你的优势其实很直白——要是我会骄傲地说'我人脉超广'。毕竟人脉即财富，对吧？我们就是这样结识的。说到底，社交能力至关重要，我常对员工和学员说：千万别断人脉，你永远不知道何时需要对方援手，反之亦然。

That's amazing. So an advantage that you had was, and it's not really a secret, I mean I'd be proud, I'd be like, yeah I got a huge network, right? You know, then that's what it is, your network is your net worth, right? That's how we connected, right? So at the end of the day, it's just like that's that's you got to be sociable, and I always tell this I always tell this to my employees, I always tell these to my mentees, I'm like, hey never burn bridges like you never never know when you might need that person's help and vice versa, right?

你这步棋走得妙极了。成功将原有客户资源转化，当推出新业务时就能一鸣惊人。

So you did that very well. You you did that very well. You you you transitioned, certain clientele that you that you had, your network, and then when you were ready to launch a new offer, a new business, boom.

资源就在手边。但财务咨询可比美发难赚钱——顾客愿意花几百美元做发型，却不愿付同等价钱整理财务。确实不容易...

It was right there. It wasn't easy with the financial portion. People will pay you, hundreds of dollars to do their hair, but they won't pay you hundreds of dollars to fix their finances. That's right. It wasn't

咱们深入探讨这点。既然本节目旨在提升认知，为什么非创业者总轻视自我投资？比如你推荐课程、导师或可能改变人生的峰会，人们第一反应总是'要花这么多钱啊...'

easy. Let's talk about that. Let's talk about that real quick because I feel like, especially this being the level of podcast, you know, we're here to level up your mind, guys. So let's talk about that. Why do most people who are not in business or an entrepreneurship see self education like that.

他们犹豫不决的样子很有趣。你觉得这种现象根源是什么？

What do when when you tell somebody, hey, you take this course or you take this program or maybe you get a mentor. Maybe you join, let's say, a conference that might change your life and and it's gonna cost x amount. People always like, oh, well, I don't know. They're hesitant. They're like, I don't know.

对此你怎么看？人们为什么会有这种反应？

What are your thoughts on that? Why why do people do that?

本质上这是成长环境塑造的思维定式。传统路径就是上学、拿学位、按部就班工作——整个系统都在强化这种观念。

Well, it's honestly how we have been raised, how the system raises. You know, it's like a traditional thing. Your mother went to school. She went to college. She got this degree.

她听从了老师的教诲，这就是社会给我们设定的框架。但对我而言，我一直都是那个叛逆者，总想反其道而行之。所以现实地讲，比起大学，一位教练能让你更快更远地抵达目标。当然我不是说所有人都如此，像医生、护士这类学位是必要的。

She listened to her teacher, and this is how society has set us up. But to me, I always been there, like, rebellious one that wanna do the opposite of what everybody is taught to do. So with that being said, I know that realistically, a coach can get you further and faster to your destination versus, you know, college. College allows you and I'm not saying this for everybody because certain degrees like being a doctor or a nurse or, you know yeah. It's necessary.

完全同意。不过

Absolutely. But

当你想创业时，无论是服务型还是产品型企业，学校并不会完整教会你如何实现目标。对我来说，更明智的做法是找到已经达成我理想成就的导师——这就像作弊密码，真正的通关秘籍。

when it comes down to wanting to launch your own business, like, whether if it's a service or product based business, you don't have the idea of which direction to go. School is not really giving you the full effect of how to get there. So to me, it was smarter in order for me to have a mentor that had already did what I desire to do. So that's that's really like the cheat code. It's really the cheat code.

这就像下国际象棋，而不是跳棋。

It's like chess, not checkers to me.

确实，非常有道理。

No. That makes a lot of sense.

所以人们害怕投资于不理解或从未见过的事物。

So It's scary for people to invest into something that they don't understand or they never, you know, seen before.

从你开始融资业务并普及财商教育起，是立即找了教练还是等待过？我坦白说，37岁的我直到29岁才开始自我教育投资，虽然18岁就创业了。

So from the time that you actually started your your funding business, and also educating other folks on, financial literacy, did you invest into a coach or mentor right away or did you wait a little bit or because for me, I'll I'll tell you straight up. You know, I'm 37. I didn't really start investing into my self education until the age of 29. And and but but I I I've been an entrepreneur since 18. Right?

我搞过夜店生意，办过数千人的派对，年轻时赚了很多钱但毫无方向。挥霍一空后当了警察，才重新找到出路。哇，所以...

I I did the whole nightclub thing. I threw parties at thousands of people making a lot of money at a young age but I didn't have any direction, right? So, blew it all, went to the nine five, became a cop, and then figured it out again. Wow. So, that's

这本身就是一堂课。确实如此。

that's a lesson within itself. It is. Yeah.

没错。我常对人说，经历这些教训才能成为真正的领袖。

It is. Because I always tell people like, you know, you are who you are, and the only way that you become a great leader is by going through those lessons.

你必须。你

You have to. You

必须经历那些课程。

have to go through those lessons.

祝福就在课程中。确实如此。是的。我喜欢这个说法。我非常赞同。

The blessings is in the lessons. It is. Yeah. I love that. I love that.

我告诉你。

I'm telling you.

那么对于那些真正想寻找教练的人，你会给他们什么建议？比如，如何找到合适的教练？怎么辨别谁是真材实料？因为说实话，2025年这个行业已经人满为患了。

So what would you tell folks that are actually trying to go ahead and look for a coach? Like, how do you find a coach? How how do you know who's real? Because, you know, 2025, let's be honest. It's so many people out

这正是我想说的。

here saturated in these industries. That's what I'm saying.

所以你看，一旦你投入资金，人们就会犹豫不决。

So so, you know, as soon as, you know, you just drop funding, people are like, I don't know. Like

你必须做好尽职调查。深入研究。真的，你需要了解这个人。在我向那位教练兼导师投资3500美元之前，他已经提供了足够的免费价值让我信任他，建立了这种关系。正因如此，对我来说投资3500美元给第一位教练是理所当然的决定。

You have to do your due diligence. Do your research. And really, you know, you wanna study a person. Before I invested my $3,500 into that coach and mentor, he had already gave me enough free gain to make me trust him, to build that relationship. So with that being said, it was a no brainer for me to invest 3,500 into my first coach.

那是我29岁的时候。是的，我28岁买了房子。所以我想，我已经达到了那个里程碑，现在需要更上一层楼。

This was back when I was 29. Yeah. I purchased my home at 28. So I was like, I hit that milestone. Now I have to go up.

我需要寻找新的突破。正因如此，那位导师已经帮助我获得了10万美元的资金支持。哇。所以我觉得拿出3500美元回馈给他完全合理——因为如果我不这样做，还能从他那里学到什么呢？

I need to go somewhere else. So with that being said, that mentor had already helped me get access to a $100,000 in funding. Wow. So I was like, it it just makes sense for me to take 3,500 and give it back to him because what what else can I learn from this mentor if I

那么做？所以，是的。所以你基本上为自己获得了社会认同。因为你亲自尝试过了。嗯。

do that? So, yeah. So so you essentially got the social proof for yourself. Cause you you were you you tried it out yourself. Mhmm.

你之所以如此深信不疑，是因为它对你有效。

You were such a big believer in it because it worked for you.

是的。

Yes.

然后你就想，你知道吗？我可以做到。我可以继续下去，真正教育人们做同样的事情。所以让我问你。

And then you were like, you know what? I could I could do this. I could go ahead and actually educate people on doing the exact same thing. So let me ask you.

但这并不容易。我必须应用这些信息，让自己相信它，才能帮助别人做同样的事情。

It wasn't that easy though. I had to apply the information for me to believe it in order for me to be able to help others do the same thing.

不，绝对是的。绝对是的。我非常相信这一点，你知道，我是第一个说，你必须以身作则。是的。你现在绝对是在以身作则。

No, absolutely. Absolutely. And I'm a big believer in that, you know, I'm the first one to say, you know, you have to lead by example. Yes. And you're definitely leading by example now.

所以我的问题是，你有没有遇到过这样的情况，你觉得，天啊，我不知道创业是否适合我？

So my question for you is, have you ever had a situation where you were like, man, I don't know if entrepreneurship is for me?

你知道什么每隔六个月左右就会打击我们一次吗？每三到六个月？你会觉得

You know what hit us, like, every six months? Every three to six months? You like

确实如此。

It does.

是的。每三到六个月一次，直到你跨过那个里程碑，然后你会觉得，好吧。我能解决这个问题。我有像保罗这样的好人可以打电话咨询，因为他已经经历过这些。所以，话虽如此，当然在初期阶段，可能会非常困难。

Yeah. Every three to six months until you get over that milestone and you like, okay. I can figure this out. I have good people like Paul that I can call and ask a question because he already been through this. So with that being said, of course, in the beginning phases, it can be very difficult.

你知道，有时候这取决于你的出身。比如我，我来自一个朴素的背景，生活方式也很简单。所以我周围很多人并不理解我的愿景，他们并不那么支持我。这让我感到...确实，一开始我并不抱希望。但我始终坚信上帝会为我连接对的人。

You know, you don't sometimes depending on where you come from. Like, I I came from humble beginnings, probably lifestyle. So a lot of my, surrounding environment did not understand my vision, so they wasn't as supportive. So it kinda left me, like, really yeah. I was not hopeful at the beginning, but once again, I'm big on God connecting me with my people.

祂会帮助你组建团队，这是千真万确的。作为企业家和创业者，最重要的是要有信念，因为你正在创造一个尚未成型的愿景。它现在还只是个想法。在这段旅程中，你会多次想要放弃，也会遇到困境。

He he will help you build a team, and that is for a fact. The biggest thing when you are an entrepreneur and a business owner, you have to have faith because you're basically creating this vision that you haven't even you haven't seen it yet. It's just like still an idea. So with that being said, you know, on this journey, it's a lot of times that you wanna give up. It's gonna be times where you get to a tight place.

但如果你坚持下去，这一切都是在考验你的韧性和信念。你学得越多，就能赚得越多，也越能获取继续前进所需的工具。

But if you keep going, it's all testing your resilience. It's testing your your faith. So the more you you learn, the more you'll be able to earn and the more you'll be able to, you know, execute on getting the tools you need to keep going.

不，绝对要坚持。完全同意。是的。

No. Absolutely. Keep on it. Absolutely. Yeah.

那我们来聊聊企业融资的实际成果。你能分享一个帮助客户从零到英雄的成功案例吗？

So let's talk about actual results from the business funding. What would you say is a good story that you'd be able to tell the audience on how you help somebody go literally from zero to hero?

大约两年前，有个年轻人找我。他和我年纪相仿，三十三四岁左右。嗯。他当时已经涉足房地产。

Man. So about two years ago, I had an individual, a young man. He's about my age, about thirty thirty three, 34. Mhmm. Literally, he came to me.

他大学时就开始做这行，但来找我说：'Vincetta女士，我需要更多资金购买房产来创造被动收入。'问题是他的信用不太好。所以我们得从基础——信用修复开始着手。

He was already a little bit into real estate. He started when he was in college, but he came to me like, miss Vincetta, I'm trying to get some more capital because I need to purchase more property to create more past streams of income. So with that being said, he didn't have the best of credit. Right? So we basically had to start from the foundation, which is credit.

不是说没有钱就寸步难行，但如果你资金不足，就需要良好的信用。我们帮他分析负面记录，清除不良征信——当然这不是一蹴而就的。

You can't I'm I'm not gonna say you can't do a lot, but if you don't have a lot of money, you need to have a lot of good credit. So Right. Right. You know, helping him analyze the negative, removing the derogatory remarks. Now I didn't say it was a overnight process.

我们花了六个月清除20多项负面记录。简单来说，信用修复后，他已有现成企业，只需建立商业信用。当我们完善了个人信用，构建了企业架构和商业信用后，他成功获得了35万美元融资。

It took us six months to get those negative items removed because he did have over 20 negative items. To make a long story short, once we clean his profile, we already, he already had a business. We just need to build business credit. So, therefore, once we got the personal side together, the business was structured, and the business credit was built, he was able to obtain $350,000 worth of funding. Wow.

这包括15万美元的信用卡融资，以及房屋净值贷款和商业贷款。他用这些资金购置了四套房产。两年后的今天，这位正在攻读商业管理的年轻人最近对我说：'我想在您这里实习，因为您教会我很多，我想为您工作。'这太棒了，因为他信任我、听从指导且可塑性强——我发现男性往往比女性更愿意接受指导。当然，这不存在任何歧视。

And that was a mixture of credit card stacking where he was able to get access to a 150,000 there and then, get more capital with HELOCs and loans, business loans. So with that being said, he was able to purchase about four more properties. And not only that, you know, here we are two years later, and this individual, he's in school for business management, and he recently came to me like, I wanna do my internship with you because you really taught me a lot, and I wanna work for you. And that was amazing because that individual believed in me, and he listened, and he was coachable, which I tend to see men more coachable than women. But, yeah, there's no no discrimination.

我刚说到他认真倾听并遵循流程，那一直是我最优秀的学生，他的成长历程简直令人惊叹。所以。

I was just saying he listened and he followed the process and that has been my best student and his journey has just been amazing. So.

我太喜欢这故事了。是啊，我真的很喜欢。这真是个了不起的故事，而且我注意到你谈起这个时整个人都在发光。

I love that. Yeah. I love that. That's that's such a great story and and I I like how you actually glow. Yeah.

当你谈论别人的成果时那种状态很棒。这充分说明助人成功确实让你感到充实，尤其是在你自身状态良好时。

When you talk about someone else's results. That's great. That that that shows that it really fulfills you when you're healthy.

确实如此。我热爱帮助他人。我时常问上帝，你让我存在于此的原因——毕竟处理他人问题本就不易，尤其当自己也有困扰时——但我获得了满足感。

It it do. Yeah. I love helping people. I I'm I ask god all the time. You put me here because people problems can be a lot for you when you have your own problems but I get status.

看到别人达成他们渴望的成果让我深感满足，因为他们的成就也就是我的成就。

I'm satisfied with seeing other people get the results that they desire because their results is my results.

当然。所以没错，他们的成功就是他们的成功。

Of course. So Yeah. Their success is their success.

毫无疑问是这样。

It definitely is.

说得好。那我们来详细聊聊你提到的信用叠加（credit stacking）。对于像我这样的完全新手，或者说正在收听的观众，在融资领域你会如何定义信用叠加？

I love that. So let's go ahead and talk about what exactly are some of the terms that you actually said credit stacking. So for a complete newbie like myself, like like the audience listening right now, what would you say is credit stacking when it comes to funding?

信用叠加本质上是与不同银行和贷款机构建立关系序列的过程，从而获取投资资本。主要用于投资初创企业——我特别关注那些尚未盈利的创业者，他们没有营业收入来申请商业贷款或设备融资等等。这正是我教学的核心视角。这个方法的优势在于你能获得0%入门利率的信用卡。

So credit stacking is basically a sequence of building relationships with different banks and lenders so, therefore, you can access the capital for investing. Investing into your brand new business. I'm more so focused on start up business, entrepreneurs who don't who haven't made any money in their business, so they don't have no revenue to go get a business loan or go get, equipment financing and so forth. So that is the perspective that I teach. And, also, it's so much of a benefit because you're able to get 0% entrance credit cards.

因此你可以在6到21个月内零压力地投资业务，不必担心还款问题。这是颠覆性的方法，可惜学校从来不会教你这些。

So, therefore, you can invest into your business without stressing about paying entrance within six to twenty one months. So that's a a game changer, which a lot of they didn't teach you this in school.

不。不。不。绝对不行。你不能教关于信用卡的知识。

No. No. No. Absolutely. You don't teach about credit cards.

我记得小时候，我妈妈就告诉我远离信贷，因为它们会毁了你。你会负债。而且，你知道，她没有教我区分良性债务和不良债务。对吧？所以我认为这些是现在学校里必须教的东西，但我感觉教育正在朝着电子学习的方向发展，肯定会在未来几年内占据主导地位，甚至可能是人工智能，总之就是电子学习，因为你要这样想。

I remember growing up, my mom was just like, stay away from credit because they ruin you. You'll go in debt. And, you know, she didn't teach me the difference between good debt and bad debt. Right? So I think it's things that are necessary in school nowadays, But it's going towards, I feel like school, know, e learning is definitely going to take over for sure in the next Maybe few even AI, just e learning just in general, you know, because you gotta think about it like this.

你更愿意向谁学习？一个在财务、资金或商业方面精明的千万富翁，还是一个没有这些技能的普通老师？

Who would you rather learn from? A multimillionaire who is, you know, savvy in finances and funding and Or business and a teacher who doesn't have the same skills, there is a general teacher.

从一本他们甚至没有实践过的书里教学

Teaching from a book where they haven't even did

正是如此。

the Exactly.

他们自己没有工作经验。他们甚至

Work themselves. They haven't

没有社会证明。

even have the social proof.

我想向百万富翁学习。没错，对吧？是的。

I want to learn from a millionaire. Exactly, right? Yeah.

对。所以，不。这些都是好东西。好吧。那么，关于HELOC故事的另一部分呢？

Right. So, no. That's good stuff. Okay. So how about the other, portion of that story with HELOC?

那是怎么运作的？

How does that work?

所以HELOC本质上是一种贷款，它来源于你在住宅或商业房产中积累的资产净值，主要针对个人拥有的房产。它是一种房屋净值信用额度，让你能基于房产增值部分借款，用于投资更多房产，从而创造更多被动收入流。没错。

So a HELOC is basically a loan, and it comes from the equity that you have built in a home, right, or commercial property, but basically focus on the personal side when it comes down to your your home or homes that you have purchased. So it's a home equity line of credit where you can be able to borrow from the actual property based on the equity that it has built to be able to invest into more properties. So therefore, you can create more passive streams of income. So yeah.

你的大多数客户上门时是否已经明确表示'我想做这类生意'？还是说他们也像我25岁时那样，完全不知道该投资什么？

And do majority of your clients actually come in saying like, hey. This is the type of business I wanna do. Or do you get people just like myself maybe back when I was, like, 25. Right? And I have no idea what I should invest into.

没有具体方向，就像当年我想投资生意，想成为企业家——如今很多人都有这种想法，但就是不知从何入手。

No business that, like, I I wanted to invest into a business. I wanted to be an entrepreneur like a lot of people nowadays, but they just don't know where to start.

这个比例大概是25%对75%。75%占多数是因为我与房地产和投资公司有合作，更倾向与已有客户基础的成熟企业主协作。另外25%加入我的导师计划，他们需要明确发展方向的教育。我会教他们如何开展短租套利生意，也就是人们所说的Airbnb模式。

So. It's like a '25, 75 and the reason why I say that 75 is more so because I have partnerships that are are in real estate that are in investment companies. So, I love to collaborate with individuals who have established business, who have the clientele that need my help. And then the other 25 come into my mentorship and they basically need education on which direction to go. And I teach them about starting a short term rental arbitrage business, which people consider at Airbnb Mhmm.

或是短期租车业务。本质上就是用资产创造收入，实现轻松赚钱的聪明工作法。他们还可以创办自己的信贷融资公司——毕竟全球80亿人口，我不可能帮助所有人。

Or short term rental car business. So, therefore, basically, you know, you're just using assets to be able to create the income where you're not having to work hard. You're working smart. And then, also, they can start their own credit and funding company because it's so it's 8,000,000,000 people in the world. I can't help everybody.

但如果我教你如何每月多赚1万到5万美元，这可能彻底改变人生。

But, you know, if I teach you how to get some extra money, make 10,000 to 50,000 a month, that could be a game changer.

这太棒了。也就是说你能帮人创办自己的融资公司？明白了。那这个适合零基础的新手吗？

That is really cool. So you can help people actually go ahead and start their own funding company. Correct. Okay. And then, is this something that could be for like a beginner?

需要商业经验吗？需要学历背景吗？

Is this somebody that needs experience in business? Do they need a degree?

我认为最好有些经验基础。当然快速学习者6-12个月就能掌握。我特别强调实操验证——在正式创业前，必须了解融资流程的运作机制。我专精信用卡叠加融资，也包括HELOC。

I definitely feel like you will wanna have a little bit of experience. Now if you are a quick learner, you can learn six to twelve months. Now I'm big on people executing for themselves Right. Before they jump into it because you need to see how the sequence works when it comes down to, getting access to funding. And I mean, types of funding, credit card stacking, which that's what I specialize mostly in, but even HELOCs.

关键要掌握数据要点：商业贷款、设备融资等各类贷款，但最重要的是根据客户需求量身定制方案。毕竟每位客户都不同——已有资产和稳定收入的百万富翁客户，与初创企业家的需求截然不同。

Knowing the data points, business loans, equipment financing. It's so many different loans you can get, but knowing the right one tailored to that client's needs. Right? Because every client is different. I might have a millionaire client that, already has a lot of assets, already has revenue coming into their business that's gonna be different from a start up entrepreneur.

所以他们的行动计划会完全不同。对吧。所以你需要掌握这些数据点。你需要理解银行提供的所有不同条款，因为如果你一无所知地进去，就会误导别人，而我不喜欢误导别人。要为他们打好基础。

So their plan of action is gonna be totally different. Right. So you wanna be able to know the data points. You wanna be able to understand, you know, all the different terms that the banks offer because if you're going in there blind, you're gonna miseducate people and I don't like to miseducate people. Set them up.

这很棒。是的。所以你是在为他们的成功铺路。

That's great. Yeah. So you're setting them up for success.

为了长远发展。

For the long run.

不。这点我非常认同。这很好。是的。在商业上人们必须做好尽职调查，因为真的可能血本无归。

No. That's I'm big on it. That's good. Yeah. People gotta do their due diligence when it comes to business because you can literally lose your shirt.

血本无归，倾家荡产。

Your shirt, your pants, your house.

是的。你会失去一切。没错。对吧？不过，好吧。

Yeah. You're lose everything. Yeah. Right? But, okay.

我在研究你的业务时注意到，你特别提到帮助信用分700以上的人。那刚好低于700分的人呢？你能为他们提供什么帮助？

So I know on, you know, when I was doing my, my research on your business, you specifically say that you help people with 700 plus credit scores. How about the folks that have a credit score right underneath that 700? Like, what can you do for them?

是的。这其实要回归根本，确保每个客户的目标——无论是消费者还是企业家——根据他们的目标，我们总是从基础开始。在我的项目中，每个人的基础都是信用。因为信用越好，你的财务结构就越健全，结果就会越好。所以如果分数低于700，关键不在于分数本身，而在于信用档案的结构。

Yes. So this really taking it back and making sure that, each client goals that I go over, whether they are a consumer or entrepreneur, you know, depending on their goals, we always start with the foundation. The foundation for everyone in my program is credit. Because the better your credit, the just more structured you are, the better your results are gonna be. So if you have a below a 700, and it's not always about the score, it's about the structure of the profile.

因此我必须确保信用结构没有问题：没有不良记录、没有逾期付款、没有销账、没有催收、没有驱逐记录。这些都不能出现在你的信用档案中。清理干净后——每个人的信用档案都不同，就像每个人的银行账户都不同——我们才能继续推进。

So I have to make sure that, you know, the structure, no derogatory, no late payments, no charge offs, no collections, no evictions. None of that is reporting or reflecting on your credit profile From there, once we get that clean and it just depends, everyone credit profile is different just like everybody bank account is different.

完全正确。百分百同意。

Absolutely. A 100%.

话虽如此，我们会先清理并让一切看起来完美无瑕，然后为你构建信用。明白吗？而且，我根据每位客户有不同的方法。你可以选择信用建设路线，或者我可以带你走专家路线——通过质押贷款、授权用户和主要贸易线来建立信用。这样一来，当你去银行时，你的信用状况会显得非常健康，而不是像个新手那样，靠信用建设者、初级信用卡和担保贷款起步。

Being said, we get that clean and make it look all good and polished, and then we build you up. You know? And, I have a different way based on each client. You can do the credit building route, or I can take you to the expert route where you're building with, pledge loans, you're building with authorized users and primary trade lines. So, therefore, you look very healthy when you go to the bank versus when you start like a amateur, you're building with credit builders and, you know, the the baby credit cards and secured loans.

具体取决于你想选择哪个方向。是的，我们必须为你打下坚实的基础。

And when just depending on which direction you wanna go. Yeah. We have to build you up solid.

没错。

Right.

所以，这取决于每个人的银行账户状况。我很欣赏这一点。

So, yeah, it just depends on everybody's bank account. I love that.

不，我特别喜欢这一点。

No, I love that.

没有歧视。我爱你们所有人。

No discrimination. I love you all.

那我们过渡到这个问题。你已经指导了成千上万的人。那么你认为，什么是你的核心信念？

So let's transition to this question. So you mentored thousands of people. Okay. So what would you say? What is your belief?

好的。是什么将老板与普通奋斗者区分开？在你眼中，怎样的心态或行动能让人成为精英？

Okay. That separates a boss from just a hustler. Okay? What mindset or action makes someone elite in your eyes?

是的。关于区分老板和奋斗者，我的信念是：老板真正懂得委派任务。老板会尽职调查、深入研究。我同意。他们不会止步于‘哦，我学会了这个技能，就靠它赚钱’，而是会在行业中持续成长，并让周围的人也获得成长机会。

Yes. So my belief with separating a boss from hustler, a boss is really delegating task. A boss is doing their due diligence, doing their research. I agree. You know, they don't just stop at, oh, I done learned this skill, and I'm just gonna, you know, make money off of it, but you continuously grow in your industry, and then you also are putting other people in position around you.

你不会自私地独占资源。而奋斗者只为当下而活，他们想着‘我要赚这笔钱’，只要当下有效就行。他们可能毫无章法。所以关键是要专注于一个方向——无论是产品还是服务领域，并深入扎根。因为我要说的是，我自己也经历过这个学习过程。

You're not being selfish, and you're not trying to just keep it to yourself. A hustler is just really living for the moment. They're like, I'm a make this dollar bill and whatever works for the moment, then that's what I'm gonna do. And, you know, they might be all over the place. So with that being said, you wanna stick to one direction, like far as your industry, whether if it's a product base or a service base, and you wanna lock in on it because one thing I'm I'm gonna say is that I had to learn to do that.

我之前一边做美发一边教理财。但当我暂时放下美发事业，不再经营发廊，全身心投入理财后，收入就增长了，因为我百分百专注于此，而不是像打零工那样分散精力。

I was balancing doing hair and teaching finances. But once I kinda put the hair on the back burner and running a salon and locked in on finances, revenue went up because I gave that a 100% versus a hustler is gonna give be all over the place.

你是怎么做出这个决定的？因为我有很多朋友都在同时做多件事。我常说，人的心智就像一块派，对吧？你不能把它分成四份。

How did you make that decision? Just because I have I have a ton of friends that, you know, they're doing multiple things. And I always say, you know, like, your mind is like a pie. Right? You can't split it four ways.

没错。就像你必须全神贯注于一件事。我的一位导师说过，破釜沉舟。对吧？是的。

Yeah. It's just like you gotta focus all in one. It's like one of my mentors says, burn the boats. Right? Yeah.

破釜沉舟。你必须全力以赴。就是这样。那么对你来说，那个决定全力以赴的关键时刻是什么？

Burn the boats. You gotta go all in. That's it. So what would you say, was that moment for you where you were like, you know what? I'm about to go all in on this.

对我来说那个时刻发生在去年，说实话，当时市场需求开始激增。虽然如你所知，我七岁就开始创业，做美发已经很拿手，但我的背和手臂都开始吃不消了。

So the moment for me was last year, and I'm gonna be honest. It started to become a high demand. Right? Now, I already like I told you, I started my entrepreneur journey started at seven years old, so I already was good at doing hair. But my back and my arms and everything was hurting too.

所以我意识到，既然我的理财事业需求旺盛，为了能帮助更多人并保持专业水准，我必须转型。于是我彻底切断退路——关闭了美发业务的网站。

So I was like, you know what? It's a high demand for what I'm doing. And in order for me to be able to help more people and be sufficient at what I'm doing, I have to, like, transition over. So I just basically had to do a cut off. I cut the websites off from my hair business.

我不再接美发客户，完全转型到这个领域，从此心无旁骛。明白吗？

I stopped taking clients, and then I graduated fully into this, and I've just been locked in. You know?

太棒了。你全力以赴，事业就腾飞了。

I love it. You went all in. It grew.

谢谢，凯尔。

Thanks, Kyle.

你有信念。你有远见。有人愿意追随你。这种特质，我真是太欣赏了。不。

You believe. You got visions. You got people that will follow you. Like, I I love that. No.

这本该是你做事的方式，但我感觉很多人被束缚住是因为他们那种限制性信念，比如‘万一没成功怎么办？’是的。你得去经历，明白吗？你得投入进去，对吧？我们俩都出身卑微，我特别喜欢这一点。

That's the way you're supposed to do it but I feel like what holds a lot of people back is their limiting belief of like, what if it is doesn't work out? Yeah. You know, you got to you got to experience it. You know, you got to go in, right? So we both come from like humble beginnings and I love that.

你说过你曾是单亲妈妈，带着两个孩子。她抚养我长大。我无比爱她。所以想对...

You know, you saying you were you were a single mother, two kids, a single mother. She raised me. Love her to death. So what would Shout

向她致敬。

out to her.

向我妈妈玛丽·克鲁兹致敬。她养大了孩子们。你想对女性们说些什么？这会是个很棒的话题。

Shout out to my mom. Mary Cruz. She raised her kids. What would you say to women? This is gonna be a good one.

特别是那些认为商业成功与自己无关的母亲们。

Yes. Especially mothers who think success in business isn't for them.

听着，女王。我现在就要告诉你，你必须在自己的领域称王。无论你在哪个行业，你必须给予它同样的爱与热情，就像你反复给予那个男人，反复给予那份工作那样。你必须相信它，就像我们相信那些可能明天就不存在的事物一样。所以我非常强调坚持、韧性、奉献精神，你的朝九晚五工作。

Listen, queen. I'm gonna tell you right now, you have to dominate in your area. Whatever industry you are in, you have to give it the same type of love and affection like you give that man over and over, like you give that job over and over. You have to believe in it just like we believe in things that might not be here tomorrow. So, I'm really big on keep on pushing resilience, dedication, your nine to five.

利用你的朝九晚五来资助你的晚五朝九（副业）。所以你要始终投入时间并付出努力。关掉电视。屏蔽噪音。如果你未婚，或许还得暂停约会。

Leverage your nine to five to fund your five to nine. So you wanna always give it that time and put in the effort. Cut off the TV. Cut off the noise. Maybe you might have to stop dating if you're not married.

真正做出牺牲，像爱那个可能已经不在的男人那样，去热爱你的激情所在。

Like, really sacrifice and really love on your passion just as much as you loved on that man that's probably not here.

说得好。

That's good.

或者，你必须热爱那些能改变你生活的事物，并且要明白这需要时间。成功不会一夜降临。没有人...房子不是一夜建成的。你也不是一夜之间就教会孩子如何变得优秀。没有什么是能一蹴而就的。

Or, you know, yeah, you have to love on what's gonna change your life, and you have to understand that it takes time. Success isn't overnight. Nobody just a house isn't wasn't built overnight. You didn't just teach your kids how to be great overnight. Nothing is done overnight.

所以，你建造的越多，自我教育越多，学到的越多，赚取的也就越多。你越专注于自己渴望做的事，就会做得越好。这需要时间，但你终会到达那里，女王。我向你保证。我是独自做到的。两个孩子，28岁就买了房。

So the more you build and the more you educate yourself, the more you learn, the more you'll earn, the more you just lock in on what you desire to do, the better you'll get at it. So it takes time, and you will get there, queen. I promise you. I did it by myself. Two children, purchased a home at 28.

没有父母给予我任何东西，起点非常卑微。我并非一直拥有这种心态，但通过拥有教练、正确的领导者、上帝的安排，让对的人围绕在我身边，真心渴望更多、想要变得更好，这绝对会让你的生活发生360度转变。所以你能行的，只需继续坚持。

No mother or father giving me anything, really humble beginnings. I didn't always, you know, have this type of mentality, but the transition of having a coach, having right leaders, god, putting the right people around me, just really wanting more for myself wanting to be better, it will definitely just take your life into a three sixty. So you got this. You just gotta keep on pushing.

是的，是的。必须继续坚持，女王们。

Yes. Yes. Gotta keep on pushing, Queens.

继续坚持。加油。

Keep on pushing. Push.

我喜欢这个。好的。显然，人们总是谈论经济衰退。对吧？是的。

I love that. Okay. So, obviously, people always talk about recessions. Alright? Yes.

他们总是说，哦，经济衰退要来了。经济衰退已经来了。

They're like, oh, recession's coming. Recession's here.

我们就像对经济衰退免疫一样

We're like Recession proof over

你们这些人，你们过去七年左右一直在这么说。

You guys you guys been saying this for, like, the past, like, seven years.

可能比那还久。更久

So Probably longer than that. Longer

我确定。但你知道，我全职创业才七年。好吧。我们确实是的。

than that. I'm I'm sure. But, like, you know, I've only been in full time entrepreneurship for seven years now. Okay. Well, we really Yeah.

所以这就是我说的。你喜欢，你知道的，或者非常相似。对。非常相似。是的。

So that's what I'm saying. You like, you know, or very similar. Yeah. Very similar. Yes.

我的意思是，这就是为什么它被称为Me too。这就是为什么这里叫升级。

I mean, this is why it's called Me too. That's why it's called the level up right here.

没错。我喜欢这个。它把你和你的人联系起来。我告诉你。

Yeah. I love that. It connects you to your people. I'm telling you.

就是这样。对。那么，在今天建立一个抗衰退的收入有多重要？明白吗？你告诉你的学员要特别关注哪些行业，尤其是在2025年，因为游戏规则已经改变了。

That's it. Yeah. So how important is it to build a recession proof income today? Okay? And what industries are you telling your mentees to lean into especially in 2025 because the game has changed.

是的。那么，她什么时候？

Yes. So, when does she?

对我来说，你需要能够学习工具和资源，跟上形势，特别是，比如，我们有AI。它正在普及。所以猜怎么着？你可以教人们如何使用AI来转变他们的业务，你知道的，给它那种提升。财务，人们总是会有财务问题，无论是信用，创业，还是融资。

So to me, you wanna be able to learn tools and resources and keep up with what's going on, especially, like, we have AI. It's populating. So guess what? You can teach people how to use AI that's gonna transition their business and, you know, give it that level of boost. Finances, people are gonna always have financial is issues, whether if it's credit, whether if it's starting a business, whether if it's funding.

商户服务，猜怎么着？人们总是会用信用卡消费。你有商户服务，但你会在后端需要它。我向你保证。

Merchant merchant services, guess what? People are gonna always spend money on credit cards. You have a merchant service, but you're gonna need that on the back end. I guarantee you.

100%同意。

A 100%.

房地产，人们总是需要有个地方住。嗯。这就是我喜欢房地产的原因。这就是我喜欢短租的原因。对。

Real estate, you're someone's gonna always need somewhere to stay. Mhmm. That's why I love real estate. That's why I love short term rentals. Yeah.

租车，人们总是需要开车。是的。你总是，你知道的，你总是能在那里赚钱。所以，这些是一些行业，美发行业，美甲行业，化妆品，你知道的，还有教练。人们总是需要一些行业内的东西。

Rental cars, people going to always need something to drive. Yep. You're going to always, you know, you're going to always be able to make money there. So, those are a few business hair industry, what nail industry, cosmetics, you know, just coaching. People going to always need something that is in the industry.

所以，如果你能专注并掌握这一点，它就能带你更上一层楼。我不想贬低其他行业，但你得考虑那些能持续为你创造并保持收入的生意。比如托儿服务。

So, therefore, if you lock in and learn that, it's gonna it can take you to another level. Now I'm not gonna say, you know, discredit other businesses, but you wanna always think about a business that's gonna always generate and keep you with revenue. Childcare.

重复性收入。

Recurring.

对，重复性收入。

Yeah. Recurring revenue.

重复性收入。没错。尤其是美发行业。唐纳德，我跟你说——

Recurring revenue. Yeah. Especially hair. I mean, Donald, I'm My tell

她们愿意花钱做头发。

They're pay to get their

去年我和妻子为了给她做头发，光飞亚特兰大就飞了六次。

hair done. My wife and I, last year, we flew into Atlanta, I think, like, six times just to get her hair done.

就为了给她做头发。

Just to get her

就为了给她做头发。就为了这个。

hair done. Just to get her hair done.

她是女王嘛。确实。

She's a queen. Yeah.

就为了给她做头发，但她看起来美极了。值得的。幸运的是那位发型师后来搬到了迈阿密。

Just to get her hair done, but she looks great. And Yeah. You know, was worth it. So, you know, luckily that that hair, beauty industry, the lady who does the hair, she actually moved here to Miami.

哦，哇。

Oh, wow.

是啊。她其实搬来迈阿密是因为这太棒了。因为她开始走红了，对吧？而且需求很大。

Yeah. She actually moved here to Miami because That's amazing. Because she started getting popular. Right? And there's a lot of demand.

没错。对吧？所以我强烈推荐这个行业，各位。

Yes. Right? So I highly recommend that industry, guys.

告诉你吧。美发行业现在正火着呢。

Telling. You know? The hair industry is booming you.

规模巨大。

It's huge.

听着。无论如何，只要你学会一些高价值的技能，你总能赚到钱。想想看，我做美发时每天能赚600美元。

Listen. No matter what, if you just learn certain skills that are a top dollar, like, you'll always be able to make money. Just think about it. Like, when I was doing hair, I was making $600 a day. I believe.

我总爱说，日入六百，烦恼不再。怎么说来着？

To always have a little saying, 600 a day, keep the stress away. What is it?

我喜欢这句话。

I love that.

所以说，现在有太多东西可以学了。手机在手根本不是借口。你可以上YouTube零碎学习，向我这样的专家取经。但有个导师指引方向、帮你建立人脉很关键——毕竟人脉即财富。绝对是这样。

So with that being said, you know, it's more than enough things that you can learn out here and the power of just having your cell phone in your hand is no excuse. You can you can go on YouTube and get bits and pieces and learn from experts like myself, but having that mentor that's gonna guide and lead you in the right direction, connecting yourself, networking. Cause once again, your network is your network. So yeah, absolutely.

对。而且进入某个行业不代表要干一辈子。你看你从美发转型，现在做融资、房地产套利，还有播客。

Yeah. And then, you know, just because you come into one industry doesn't mean you're going to stay there forever. You know, you transitioned from doing hair, not doing funding, real estate deals, arbitrage, you know, podcasting.

确实如此，它真的会根据你所在的行业和你建立的人脉来引导你。就像树枝分叉一样，你可以选择不同的路径。所以不要局限自己，但在四处跳跃之前，你需要先在一个地方打好基础。

It really, yeah, it really takes you based on the industries that you're in, the connections that you make. It can it's like a a transition like a tree branch where you have these different avenues that you can take. So don't just limit yourself, but you wanna build one place before you just jump all over.

不，绝对是这样。这一点非常关键，我很高兴你提到这个，因为很多人总是说，我想做这个，我想做那个，什么都想尝试。

No. Absolutely. That that is key right there, and I and I love that you brought that up because a lot of people are like, well, I'm trying to do this. I'm trying to do this. I'm trying to do this.

我就想，等一下，你的主要方向是什么？是的。但我觉得这种情况每个人都会遇到。

I was like, wait a minute. What is your main source? Yeah. But I think that happens to everybody.

没错，尤其是作为创业者。

Yeah. Especially as an entrepreneur.

哦，是的，百分之百。

Oh yeah, 100%.

你的大脑就像患了多动症。

You have ADHD at the brain.

嗯，这就是所谓的‘新奇事物综合征’。对吧？就像在怀疑自己是否做错了，因为朋友或家人现在做某件事赚了很多钱，或者更快实现了财务自由。但每个人的旅程都不同。

Well, it it it's the the shiny object syndrome. Yeah. Right? It's just like, am I doing the wrong thing because my friend or my family member is getting, you know, making a lot of money doing this right now or you know, become financially free faster. Everybody got their journey, guys.

是的，锁定一件事，至少坚持一年，但要全力以赴。

Yeah. Lock in on one thing. Give it a minimum of a year but go hard.

但要全力以赴。

But go hard.

全力以赴，这才是关键所在。

Go hard. That is the key right there.

我来说

I'm telling

你听好。行吧。那么，好的。这会很有意思。准备好了吗？

you. Okay. So, alright. This is gonna be good. Ready?

告诉我。别别别，你不能作弊。不能作弊。所以，你能详细解释一下“杠杆”这个词对你意味着什么吗？好的。

Give it to me. Don't don't don't you can't cheat. You can't cheat. So, can you break down exactly what it means to you with the word leverage, okay? Yes.

好的。以及我们的观众如何从今天开始运用它。

Alright. And how our audience can use it starting today.

是的。杠杆。杠杆的概念很广泛。对吧？所以我总是以自己为例，比如我帮助客户时。

Yes. Leverage. Leverage can be is broad. Right? So I'm gonna always use myself, for example, in me helping clients.

我帮助企业家利用他们的个人信用获得六位数或更多的资金，基于他们的收入。你可以利用你的信用。你想利用你的心态。你想利用你的人脉，你的朋友。你想利用机会。

I help entrepreneurs leverage their personal credit to obtain 6 figures in funding or more based on their revenue. You can leverage your credit. You wanna leverage your mindset. You wanna leverage your connections, your friends. You wanna leverage opportunities.

机会偏爱速度。你想利用知识。如果你想利用某人，他们有你想拥有或需要的信息。利用他们。去找他们问，嘿。

Opportunities love speed. You want to leverage the knowledge. You wanna leverage someone if they have the information that you desire to have or need. Leverage them. Go to them and ask them, hey.

你能帮我这个方向吗？所以杠杆非常广泛。你可以利用资产。如果你有船或房子，你知道，你可以从中提取权益。或者如果你需要卖掉它或再融资，无论哪种情况，你都可以利用它来创造另一条收入流，这样你就可以投资更多。

Can you help me in this direction? So leverage is very broad. You can leverage, assets. If you have a boat or you have a home, you know, you can be able to pull equity from that. Or if you need to sell it or refinance it, whatever the case, you can leverage that to be able to create another stream of income so, therefore, you can invest more.

所以对我来说，这就是杠杆的意义。第二部分是什么？

So to me, that's what leverage stands for. Now the second part was?

那就是这样。你回答得很完美。你知道吗？观众如何现在就开始使用它呢？

That that that's that's what it is. You answered it perfectly. You know? And how how can the audience actually start using it now?

没错。真的，第一步，如果你出身并不富裕，你得善用信用。没有借口。即使没钱，你也能用ChatGPT，利用ChatGPT。开始寄出那些争议信函，清理你的信用记录，这样你就能利用信用获取资金，从而为你的生活方式创造更多收入来源。

Yeah. Like, really, the first step, if you don't come from a lot of money, you wanna leverage that credit. There's no excuses. You even if you don't have the money, you can use ChatGPT, leverage ChatGPT. Start sending out those dispute letters, clean your credit profile so you can leverage your credit to access capital so, therefore, you can create more streams of income for your for your lifestyle.

对。

Yeah.

是的。所以基本上就是，制定计划，执行它，如果你的信用分不到700，就建立信用。然后来找你聊聊。

Yeah. So it's it's basically, you know, creating a plan, executing on it, creating the credit if your credit's not at 700. Yeah. And then come talk to you.

对。来找我。来找我。

Yeah. Come see me. Come see me.

来找你聊聊。比你现在更糟的情况

Come talk to you. Worse than you get

拿个麦克风。懒也没关系。以上这些我都能帮你。我们会让你从零变成英雄。

a mic. Lazy. It's okay. I can help you with all the above. We'll take you from zero to hero.

我喜欢这个。我喜欢。那么，接下来这个问题会很精彩。现在你在Instagram上有多少粉丝？

I love that. I love that. So okay. This is gonna be a great, great question. So currently right now, how many followers do you have on Instagram?

11.3万。

A 113 k.

好的。11.3万Instagram粉丝。我知道听众和观众会怎么想，他们可能会说，这就是她这么成功的原因。

Okay. Thousand. A 113,000 followers on Instagram. So I already know what people are thinking, what they're listening to this, what they're what they're watching or listening. They're probably like, well, that's the reason why she's so successful.

她有那么多粉丝，对吧？我经常听到这种说法。我会说，不不不不不，我一开始也是零粉丝。所以我想问你的是。

She got all those followers, right? And I always get that all the time. I'm like, no, no, no, no, no, no. I started with zero followers, right? So here's my question to you.

假设我剥离你的Instagram、粉丝和品牌。

Let's say I strip away your Instagram, your followers, your brand.

这是个好问题。

That's a good question.

哪三项不可动摇的技能或心态能帮助你从零开始重建一切？

What are the three unshakable skills or mindsets that would help you rebuild everything from scratch?

哦，这真是个绝妙的问题。三项不可动摇的技能中第一是我的嘴——我是个演说家。我总能与志同道合的人建立联系。不管对方是谁。

Oh, that's a great, great question. The three unshakable skills is my mouth. I'm a talker. I'm going to always connect with like minded individuals. I'm going to always, you know, I don't care who you are in the world.

只要气场相合，我就能与你建立联结。第二是心态——这是谁也夺不走的。我会持续学习以实现更多收益。第三则是人脉网络。

I'm going to make a connection with you especially if there's just the energies there. Number two is the mindset. Nobody can take that from me. So I'm gonna always be able to learn more in order for me to earn more. And number three is really, networking.

人脉是强大的工具，说实话，我的客户大多并非来自社交媒体。他们源于我在汽车行业、房地产行业等人脉圈建立的信任关系。正因如此，他们愿意把客户推荐给我。所以我更青睐这种通过深度关系获得的客源。

You know, networking is a powerful tool because honestly, I'm a be honest. I really didn't get a lot of my clients from social media. My clients came from building relationships with other individuals like in the car industry, real estate industry, just networking groups that sends me clients because of the relationships I have built with them. So therefore, they believe in me and that means that they're speaking highly of me to send their clients to me. So with that being said, a lot of my clientele really does come from, relationships that I have built and I prefer that.

我刚想说，沉默寡言得不到食物。这话太对了，是吧？

I was gonna say, closed mouths don't get fed. It's so true. Right?

听着，我19岁时前男友就教会我这点。我以前总不敢提要求或发声。但他说：'本杰达，闭嘴就挨饿。宝贝，你不开口就得不到'。

Listen. My my ex boyfriend taught me that when I was like 19 because I always used to be scared to ask for things or talk speak up. But he was like, Ben Jada, a closed mouth won't get fed. So, baby, if I don't know, you won't get it.

确实如此。

That's true.

这就是我努力践行的准则。

It's all I try to do.

同样的事。大声说出来。

Same thing. Speak up.

嘿，让我告诉你。

Hey, let me tell you.

企业家，在这里你没有害羞的余地。你不能是个内向的人，如果你内向，就必须找一位外向的导师来帮助你走出舒适区，对吧？

Entrepreneur, there's no room for you to be shy in here. You can't be an introvert and if you are an introvert, you gotta find an extroverted mentor to go ahead and help you come out of your shell, right?

这绝对是真的。

That's definitely true.

我喜欢这个。好的。那么，这是我在《升级播客》上对所有嘉宾提出的问题。现在，这是你的时刻。镜头正对着你。

I love that. Okay. So, this is the question I ask all my guests that come on the Level Up Podcast. Now, this is your moment. You got this camera right here.

跟我说说。来点励志的。对，发自内心的任何话。是的。

Talk to me. So, give some motivational. Yes. Anything from your heart. Yes.

尤其是在2025年的今天，特别是考虑到你的背景与我非常相似——你经历过艰辛，单亲妈妈带着两个孩子，但你建立了成功的事业，帮助了许多人。你会对此刻正在观看、对你充满敬畏的单亲妈妈说什么？就像，这不可能。

That will help somebody level up today in 2025 especially with your background very similar to mine. You went through some hardships, single mother, two kids, and, you know, you build a successful business. You helped a lot of people. So what would you tell right now to the single mother who's watching this right now that's seeing in you in awe? Like, there's no way.

她觉得这不可能是真的。

She this can't be real.

我告诉你这是真的。所以我想说的是，嗨，女王。我是贝内德塔·斯蒂尔，我真实地理解你正在经历的一切。你可能很累，厌倦了工作。

I'm telling you it's real. So what I would say is, hi, queen. My name is Benedetta Steele, and I understand truly, realistically what you're going through. It might you might be tired. You're tired of working.

你厌倦了做饭，厌倦了挣扎，厌倦了面对那些针对你的考验与磨难，但这并不是终点。我希望你放松下来，与你的更高力量建立更紧密的联系。无论你信仰谁，他们都能帮助你达到下一个层次。

You're tired of, you know, cooking. You're tired of struggling. You're tired of going through the trials and tribulations that have been stacked against you, but that's not the end. I want you to sit back, and I want you to grow a closer relationship to your higher power. Whoever you believe in, they can help you get to the next level.

保持信念，持续激励自己。写下你的肯定宣言并能够说出来，因为言语是非常有力的工具。所以要用语言召唤你渴望实现的事、渴望拥有的物，并朝着那些更大的目标迈出小步。每周都做些不同的事情。

Believe. Stay motivated. Write down your affirmations and be able to speak it because the tongue is a very powerful tool. So speak into existence what you desire to do, what you desire to have, and make small steps towards those bigger goals. Every week, do something different.

如果你在学习新事物，如果需要修复信用，从小事开始，朝着更大的目标努力，并能为自已留出一点时间。这样你就是在进行自我关爱，把注意力集中在能改变生活的事情上。明白吗？如果单身父母的生活很艰难，看看是否有人能每周至少帮你照看孩子两次，这样你就能抽出时间专注自我提升。关掉电视。

If you're learning something new, if you need to fix your credit, start small, work towards your bigger goals, and be able to take a little bit of time for yourself. So, therefore, you're having that self care, and you're putting a focus on what's gonna change your life. You know? If if if it's hard being a single parent, see if someone can watch the kids for you at least twice out the week so, therefore, you can take some time to focus and just learn for yourself. Turn off the TV.

听听教育类播客。这就是我当初的做法。我彻底戒掉了有线电视，真的。停止为那种东西付费吧。

Listen to some educational podcasts. That's what I had to do. I I turned off the whole cable queen. I promise you. Stop stop paying for stuff like that.

清除生活中的一切负能量。比如，如果有个糟糕的男人存在于你的生活中，对你言语侮辱、精神虐待，放手让他离开，因为那不是上帝为你准备的。只有当你摒弃陈旧负面的事物，他才能赐予你更好的。把那些老友请出你的生活。如果他们不愿激励你，不愿帮你照顾孩子或助你进步，就远离他们。

Remove any negativity that's in your life. Like, if it's a a bad man that's in your life that is, you know, verbal abuse, mental abuse, let him go because that's not what god has for you. He cannot bless you with something better until you remove the old and negative. Remove those old friends from your life. If they're not willing to empower you or help you with your children or help you get to the next level, remove them.

这没关系。因为在这段旅程中我经历过这些，也曾感到孤独。但我要说的是，上帝会在旅途中派人来到你身边，你会惊叹'天啊，这些人是从哪来的？'起初你可能会害怕，想着'他们需要什么？'

It's okay. Because what I do know on this journey, I went through that, and I felt alone. But when I say God will send people to you on that journey, and you'll be like, oh my god. Where these people come from? Which you can be scared because it's like, what do they need?

'他们想从我这里得到什么？'但请记住，是你先提出了请求。再次强调，言语的力量无比强大。当你提出请求时，它就会实现。可能不会以你期望的方式到来，但会在最合适的时机降临。

What do they want from me? But just know you ask for something. And once again, that tongue is so powerful. So when you ask for it, it will deliver. It might not come the way you want it to, but it's gonna come right on time when he's ready for you to have it.

所以要相信自己。擦干你漂亮的脸蛋，别再哭泣，因为上帝会为你安排妥当。继续保持信念，继续前进，你能做到的。

So believe in yourself. Wipe your pretty face. Stop crying because God gonna work it out for you. Just keep on believing. Keep on pushing, and you got this.

回首六到十二个月前，那些困扰你的问题将不复存在。你会笑着看待这段经历。继续前进吧女王们，保持坚韧。

And look back six to twelve months. Those problems you had six to twelve months will no longer even exist. You'll laugh at this. Keep pushing queens. Stay resilient.

保持动力，保持专注。要知道一切都会改变，每天进步一点点。

Stay motivated. Stay dedicated. And know that everything will change one day at a time.

太燃了。这就是真正的激励。没错，这就是我想听的。大家在哪里可以找到你？

That was fire. That's motivation right there. Yes. That's what I'm talking about. And where can they find you?

你可以在Instagram上找到我，那是我主要的平台，账号是‘我是Benedetta the boss’。你也可以在YouTube上关注‘I am boss lady’（抱歉，平台太多记混了）。Facebook账号是Benedict Steel。最后，如果你想进行15分钟的策略通话分析目标，可以拨打(919) 670-5112联系我，或访问Linktree上的/benedictesteele。

Well, you can find me on Instagram, which is one of my that's my main platform at I am Benedetta the boss, and you also can find me on YouTube at, I am boss late I I am boss lady. Sorry. Too many platforms. And then Facebook at Benedict Steel. And then last but not least, if you want to, do, like, a fifteen minute strategy call so therefore we can analyze your goals, you can contact me at (919) 670-5112 and hit my Linktree at Linktree /benedictesteele.

我们还会把她的链接放在评论区，方便大家预约咨询通话。这真是一次极具力量的访谈，我完全尊重你所说的每一句话。你的经历让我想起我母亲的奋斗历程，甚至你和我妻子共有的核心价值观也令人惊叹。

And we're also gonna drop her link down in the comments, guys, so you guys are able to go ahead and actually schedule an informational call. With that being said, this was a powerful, powerful interview. I really respect absolutely everything that you said. I mean, you remind me so much of my mother's journey. I mean, everything that you're going through, even a lot of the core values that you have with my wife, which is amazing.

真希望她能来迈阿密。

I wish you could I I wish she was here in Miami.

没关系，我还会回来的。

You It's alright because I'm gonna be back. I know.

不是这个意思，她现在在家乡。

This is not know. She's back at home.

那就下次再说吧。

Only this again.

不，你们结束后可以现在就在社交媒体上联系。

No. You guys probably could connect on socials right now after this, but Yes.

我应该已经关注她了。

I think I already follow her.

好的好的，结束后我帮你们互推。非常感谢。

Okay. Okay. Yeah. I'm I'm I'm connect you guys after this then. I appreciate that.

好了各位，本期《Level Up》播客到这里就结束了。我们是商业类排名第一，全品类前25的节目，正在努力冲刺更高排名！

Alright, guys. So that's another episode here at the Level Up podcast with Paul Alex. Look, we are ranked number one in business. We're ranked top 25 in all categories. We're trying to get up there, guys.

所以请与你所爱的人分享这些，那些你真正想帮助的人。好吗？如果你认识任何正在经历困境的人，听着，那不会是他们的最终结局。我们在这里是为了帮助他们提升。

So share this with somebody that you love, that you actually want to help out. Okay? If you know anybody that's going through it right now, look. That is not gonna be their end result. We're here to level them up.

我们在这里是为了帮助这个世界，我们下次节目再见。感谢收听《Level Up》播客。如果你喜欢今天的节目，请务必分享给家人、朋友以及所有准备好提升自我的人。在Spotify、Apple Podcast或你收听的任何平台留下五星好评，这真的有助于传播我们的声音。别忘了访问官方paulalex.com获取更多节目和资源，开启你的成长之旅。

We're here to help the world, and we'll catch you on the next one. Thanks for listening up to the level up podcast. If you enjoyed today's episode, make sure to share with a family, friend, and everyone you know who's ready to level up. Leave a five star review on Spotify, Apple Podcast, and wherever you tune in. It really helps spreading the word, and don't forget to check out official paulalex.com for more episodes and resources to kick start your journey.

让我们一起提升吧。

Let's level up together.