Daven Kross Webinars

Author: davenkross2026

  • 09/24/2026 – The Best FREE Keyword Research Tool For Amazon KDP

    In this video, I’ll show you a brand new free keyword research tool for Amazon KDP that’ll replace a lot of the paid ones. And that is a free Chrome extension by Co-author. Co-author is my software that I’ve developed for Amazon KDP specifically. And my goal is to make this the best Amazon KDP software that is truly all-in-one. So, you really only need this one software to do the entire keyword research as well as creating the book. So, if you’ve been watching my videos for a while, you know that I’ve talked about co-author often, and we obviously have a paid subscription as well if you want other features. But recently, we came up with a 100% free Chrome extension that you can use that’ll help you a lot with keyword research. So, let me show you how that works. First, I’ll leave a link to this page in the description. All you have to do is go here and add it to Chrome and you can start using it. So, once you add it to your extensions list, it’ll show up here. And when you search anything on Amazon, you’ll start seeing this. So what co-author does is it pulls the BSR of the book. BSR is the sales rank that Amazon shows you. But typically you have to open the book on another page, scroll down to see this number. Well, you don’t have to do that. Saves you a lot of time because it’ll show right on the search results here. And based on the BSR, it’ll calculate how many sales it’s making per day. And based on that, as well as the page length, the format, like is it a hard cover, paperback, they will have different profit margins, right? So based on that, it’ll calculate roughly how much it’s making per day. So, as you can see, this book is doing up to $1,000 per day in royalties. The next thing it does is that it also expands the search suggestion here. So, when you type anything here, you will see keywords before, meaning, you know, relevant keywords to what you typed in with variations of having additional words before. So, since I typed in coloring book, it’s giving us like adult coloring book, advanced coloring book, beginner coloring books for toddlers, right? Gives you a lot more ideas. Even gives you the search volume here. We have the keywords after. So, you know, variations of what you typed in, but now we have additional words after the main keyword. And then we have keywords between. So, it just gives you a lot more ideas. Another thing I want to note is that with other softwares, they usually have a limit on how much information you can pull with the free Chrome extensions that they have. But with co-author, we don’t have a limit. So, you can basically, you know, use this unlimited amounts of time. The next thing you can do, in my opinion, is one of the the most powerful feature here is the BSR trend. So this book, Little Spooky, it is obviously a Halloween or kind of a spooky theme. So I can assume that it’s going to get a sales boost during Halloween or October. But instead of guessing now, you can confirm based on data. So you can click on BSR trend here and sort it by 1 month, 3 months, 6 months, 1 year, and all time. Right? So this book has been around for 2 years, and you can see exactly what months of the year it gets a significant spike in sales. And I was correct. The biggest spike that they had was during October, which makes sense because people buy spooky books leading up to Halloween. Then it dropped a little bit. Then it got a little boost in January. I don’t know why. And then it went up to once again the next year around October, it got a second boost. And now this is the third year approaching October. And sales is climbing again. So this is three years in a row. Every single time that they’re getting a massive sales boost during October. That tells us that if we are going to create a spooky coloring book similar to this, we should probably launch this book 2 months before October because we know that we want to capitalize on October, we want to launch it a little bit earlier and we can start collecting reviews, ranking the book on page one. So typically you do that a few months ahead, right? So you want to launch this maybe August, which means we have to start creating the book maybe July, you know? So that’s kind of how you can calculate and time your launch. But a Halloween coloring book is kind of an obvious example. So let me show you another example here which is a vision board book. So this book has been around for 2 years almost 3 years. If we take a look at the BSR trend as you can see this is a very very clear spike happening in January which makes sense right vision board books typically gets a huge sales spike in January new year new me type of thing. So what does that tell you? If you’re going to create a vision board and if you’re going to launch a vision board book you should probably launch the book around October, November. you definitely don’t want to launch the book in May or something like that. So, this data in my opinion is super useful. Really giving you confirmation on what topic you should go into at what months and timing the launch. You can also use this data to see if the topic is evergreen or if it’s just a trending topic, right? If you see a huge spike in sales at a certain month and then it just dies off, then you know that’s a very very trendheavy keyword. And there are other keywords that are very steady all year round. And if you’re looking for a more steady income, like you want to build a business not chasing trends, but you know, you want to hit up evergreen keywords, then you can get that information this way. By the way, you can open up the book Get to the Product Page, and you will see the exact same information right here. Now, there’s another cool thing you can do here, and that is by clicking on create your competitive edge on this topic. Now, this button is the same if you would click on analyze book. So, whether you click on analyze book from the search results page or this button to the product page, it leads to the same step. But basically what happens if you click on it is that it opens up co-author and co-author will start analyzing this book. It’ll start reading the hundreds of reviews this book has in this case. It’ll start analyzing other books in this niche and it’ll use a framework that we train co-author on to give you different positioning ideas. So you get three different positioning ideas you can regenerate here. But it gives you ideas on how you can create your version of a vision board book so that you can stand out in the market. Right? Because what you don’t want to do is just rip off an existing book and make the exact same thing. What you want to do is to model success, right? You see vision board is working. So you create your own vision board book. So you’re still within the vision board category, but you want to do something a little bit different than your competition. That is how you can stand out and that’s how you can make a lot of money. So the question is how do you come up with these unique ideas on how to position your books? Well, co-author will give you some ideas. So this is what we got. The first idea is just more value. So doing the same thing but offering more. So, this one is 1,200 plus easy to cut single-sided elements. And it explains the thought process here. So, the positioning angle is that most clip art books print double-sided to save on print cost, forcing users to sacrifice one image to cut out another. This book offers 1,200 plus unique single-sided elements. So, every single graphic can be used. And so, it’s offering more value because this book is 600 plus images. We have 1,200 plus images as well. Talks about why it fits the market and what it includes. Gives you ideas on what you should put here. There’s another idea to niche down into a specific audience, which is a very good idea. People already do this in the vision board space, but co-author is giving you that suggestion as well. Is that vision board clip art book with words, quotes, and pictures for men. You can do the same thing with for women, for kids, for seniors, for moms, dads, so many ways. So, since this is for men, it adjusted the subtitle. Manifest success and build your legacy with 800 plus ready to cut masculine style images. I don’t know if you want to put masculine style images maybe, but these are just ideas here. The positioning angle here, the vision board market is heavily saturated with floral feminine coded designs. Men who wants to practice visualizations are left with options that do not match their personal style specific goals. Makes sense. So that’s another way. And in the niche end goal vision board clip art book with words, quotes, and pictures. Manifest financial abundance and career success without lifestyle fluff. So this is a vision board specifically for people who want to manifest money and career success, right? not the other stuff which typically with these vision boards it just gives you a bunch of stuff that you can manifest. So this is more of a focus topic here and from here if you like any of these ideas you can click on start creating this book and it’ll take you to the guided bookflow page. Actually I’ll just show you. So you click on it’ll take you to building your research step and from here you can walk through the guided book flow that we have. Basically just goes step by step and you can go from research all the way to creating the book to description book cover A+ content trailer formatting everything. Now the disclaimer here is that to go through the guided book flow if you want to move forward beyond the differentiation step it will require one book credit and that is not free. You do have to pay for it. So you either get that book credit through a subscription plan or if you want to buy the book credit allocart you can do so as well but either way it’ll require book credit. However everything that I showed you up to the getting the ideas on positioning those are free. Another disclaimer that I want to give you because I wasn’t really thinking about this earlier is that the way you create vision board books is like you just get a bunch of stock images and you compile it and these are colored images. It’s not really non-fiction or medium content. Although you can kind of count this as medium content. The way you create it is just a bunch of images. So it’s not really suited for co-author. So I’ll be completely honest, co-author cannot create a book like this because you’re just compiling images. But if you are trying to create normal non-fiction books, children’s story books, medium content books like coloring books, puzzle books, guided journals, those kind of things, then you can do so inside co-author. So this is the dashboard that you will see if you do have a co-author paid subscription. So you’re not going to get this with the Chrome extension. Okay? So I just want to show you if you do choose to move forward with the paid subscription. If you want to go beyond the free one, I want to show you what are the features that you get. So within the research features that we have, we have reverse asin lookup kind of similar to Cerebro from Helium 10. So we have that. It’ll replace Helium 10 keyword scout. It’ll replace the other keyword research tools. Niche Hunter is super powerful. So you can basically filter through the entire Amazon bookstore and find whatever book that you want to find. So let’s say I want to find self-published book only within the crafts, hobbies, and home category selling as a paperback book that’s selling a lot. So, let’s say 30,000 BSR or below with only 20 reviews. So, I want to find books that are doing really well, making a lot of money with very low competition because it doesn’t have a lot of reviews. You can do additional filters like it’s been around for minimum this long or max this long. But just like that, you have these books that matches the criteria here, right? So, we have spooky girl culling book from Coco Real 17 reviews doing $14,000 per month. You can look at the BSR history from here. You can open up the book on Amazon and you can go into the analyze competitive advantage step just like how I showed you. We have a bold and easy coloring book for nails which is interesting new idea. Here we have autumn coloring book, Halloween coloring book, emotional support calling book for stressed out football fans. Very interesting, super niche, but it’s doing well with just three reviews. Another keyword right there. So literally within seconds, right, you have a ton of new ideas you can go into. And from here it’ll take you straight into the book creation process. So that is a niche hunter. I basically only use this to get new keyword ideas. I don’t really go through Amazon and do it manually anymore. And in terms of the create section, you can create different book types. So you have the normal non-fiction books, but you can do the journals and notebooks, planners, puzzles and activities, a bunch of different ones like word search, sudoku, crosswords. You got the story books, the coloring books, and specialty books like guest book workbooks. And we’re adding more. You have the manuscript editor, the angle finder, the title generator, the outline generator, creating the author persona, author bio, formatting the document, and even translating the book into different languages. Then in the design category, we have the cover generator, which is super powerful. These are some designs that I’ve created myself and this looks really nice in my opinion. You can also create A+ content, which once you’re done, it’ll generate A+ content blocks like these that you can upload straight to Amazon. Then we have the book trailers section where you can create amazing book trailers like this one. I’ll play one as an example.

    It’s literally called 5 minutes social confidence and it teaches you to stop freezing when pressure hits. I don’t think it’s recording the internal audio but this is an influencer style video right. You have others like cinematic and you know a lot more. And we have the image studio. So this is essentially going to replace Canva. It has a lot of pretty complicated editing thing that I don’t even understand myself. My team just added this and I’m like, damn, that’s pretty advanced. But if you’re like, you know, into Photoshop, if you want to edit your cover in a more like advanced way, then we have this feature. All right, so if you’re interested in any of these features that are in the paid subscription plan and if you’re curious about the pricing, I’ll leave a link to co-author website in the description so you can check this out yourself. But essentially, we have three different plans. The pro plan comes with three book credits, and that’s the main difference is you get access to all the same features, but you get more book credits and more design credits. with the pro plan. Obviously, business gets you a lot more. So, with three book credits, it comes out to like 70 bucks per book with the pro plan. If you don’t want to subscribe to the pro plan, which I understand, and that’s why we have the essentials plan, which is $48 at the moment with the discount. The discount will end very soon though. So, just heads up. If you want to secure this price, I recommend you jump on it uh soon. But with the essentials plan, you get everything, but you don’t get the book credit. So, if you want to buy the book credit separately, then it’ll be 150 bucks per book. So obviously it’s cheaper if you subscribe to the pro plan, but I understand a lot of people don’t like subscriptions. So we have both options there. So I just went off a little bit and talked about, you know, the paid subscription plan and the features. But once again, the main thing for this video is to show you the free Chrome extension. This is 100% free for everyone and we’re not changing that. So again, if you want to get this, the link is in the description below. The one thing I want to ask you guys is if you do download this and if you use it and if you like it, then I would really really appreciate it if you come back to this page and leave a review right here. Because the more positive reviews we get, the better the software does. And the better co-author does, the more we can reinvest back into the software, make it better, add more features, make the features better, you know, listen to your requests on what you want us to add, and overall just make it better for the users as well. So, it’s not just us trying to make money, right? Obviously, we want to make money doing this, but we do that by making the best software in the space and, you know, really making it good for the users as well. So, it should be a win-win. So, if you do decide to leave a review, thank you so much. I really appreciate it. And, uh, yeah, I hope you enjoy this free tool. So, thanks for watching and I’ll see you in the next one.

  • 09/24/2026 – Hermes Bot Mode is a Cheat Code. Here’s How I Use it

    A few months ago, I ran one AI agent. Now, I run a team of them, and between them, they handle most of my business. My inbox, my clients, my content, all run by different bots that talk to each other and hand off work on their own. This is Hermes Bot, and it’s the closest thing to a cheat code I found. So, here’s the plan. First, I’ll break down what Hermes Bot actually is. Then I’ll walk you through building your own team of bots step by step. And at the end, I’ll build a new team of bots right in front of you so you can see how to set one up firsthand. Let’s get started. Okay. In plain terms, a bot is a profile. Those two are the same thing. Hermes has always had those profiles. Every bot you create has its own persona, its own model that you can connect it to, its own tools and access, and its own memory. So, you’ve been able to build those for a while, but now with bot mode, we get the ability to interact with different agents or profiles a lot more easily. The bots can also talk to each other. You can hand one a job. It breaks it up and passes the pieces to others on its own and they can sort it out and talk to each other in one shared room or a group chat. So you stop being the guy running work between these different bots or chats and that is the unlock. It was never the bots, it’s the coordination. Before we build anything, you should know that there are three ways Hermes bots works together. The first is one-on-one where you just talk to a single bot. The second is direct where one bot messages another. And lastly is through a group chat where a few of them work inside of one thread or one group chat with a cap on how many times they can go back and forth so they don’t loop forever and drain you or your tokens. All right, but with that, let me show you how to actually build a team of bots. I always recommend you start with building one bot, just one. Then once you understand how to do that and understand the mechanisms behind each bot, then the sky is your limit. All right, step one to create a bot, you hit new bot and you give it two things, a name and a title. The title is what shows up on the side. The name is what you use to tag it with an at symbol. Then you just describe its job in a sentence or two. And here’s the nice part. From that little description that you give it, Hermes writes the bot’s whole personality for you. You can clone from your default so it inherits your setup, you can pick a model and that’s a bot. That description becomes its soul, its personality and its rules. You can open it up and tighten it whenever you want. So on my sales agent for example, I added lines like never discuss prices unless I approve and always hand the result back to my main Hermes instance. Never straight to me. The tighter you make the job, the better the bot will behave and abide by the job description that you end up giving it. Now the step almost everyone skips and it’s the one that matters the most, especially for saving money. I’m of course talking about tools and permissions. There are three types of tools here. The first is skills. Those are saved workflows and the nice part is they only load when the bot actually needs one. So they barely cost you anything just sitting there. So you don’t need to worry about turning these off. Then there are tools. Those are live actions your boss can perform like reading a file, searching the web, sending a message and those load into every message. And then there are MCPs. Those are external tools that plug your Hermes onto external tools like Gmail, Notion or GitHub, but those also cost you a ton of money if all of them are turned on. Every bot starts with every tool in MCP switched on, and you do not want that, or rather every tool in MCP that your main bot is uh connected and turned on to. The more tools your bot has enabled, the more context it will use for every run it has. Some tools have upwards of 50,000 tokens that load into every single message you send. So if a bot does not need access to a certain tool or MCP, then disable it. You give each bot only the tools its one job actually needs, and you turn the rest off. This will make your bots faster, cheaper, and more efficient. This is also the step that takes a bot from a decent bot to something that is genuinely good because the MCPs you set for each bot are extremely important. Think of it as handing one bot a specialist power that the others just don’t have. For my sales agent, for example, I wire it into our sales CRM. This gives it access to edit, to search, uh, and to sort through all of our leads that no other agent has or for that matter needs. It’s pulling from a tool built for that exact job. You add it once in that bot’s capabilities, and from then on, it’s part of its kit. One bot, one upgrade, and your entire bot team’s output just simply gets better. All right, while we’re in settings, there is another setting you can change to save money, and it’s setting each bot’s model. Your orchestrator, aka your your main bot, aka the bot making the calls. You want to put that on a strong model. Think of putting one of your strongest and most capable models here because it will need to be able to make decisions and think through complex reasoning problems. The grunt work bots or the worker bots on the other hand, drop them to a cheaper model or run them on a local one on your own machine for free. You will essentially get the same exact result on the simple stuff for a fraction of the cost. And that’s mostly what keeps a team like this cheap instead of pricey. You’re only paying for the smart model where it actually matters. All right, two more quick final settings to adjust here. For memory, let only your orchestrator write to your shared memory if you have a shared memory provider like Honcho or Memo or Super Memory. And for every other bot, switch that to built-in memory only. We do this because our main orchestrator already saves the important information to the shared memory. So there’s no need to double save it and waste context for no reason. In settings, you can also choose to bump how many bots stay warm from a three to a five. This will make it so switching between bots is instant and they won’t need to reboot every time you open more than three bot chats. And finally, timeout time is by default set to 10 minutes. I personally recommend you set it to 20 or 30 minutes depending on how big your workflow or how much time your workflow typically takes. This will give your bots a longer idle timeout so a long job doesn’t quit or error on you halfway through. Finally, this is the last step to make an ultimate Hermes bot team and it is defining anything you never want an agent doing without your input. For me, those are three things. spending money, sending something to a client, and deleting stuff. Those are the things I always personally want a hand on. Everything else, it can just run itself without my approval. So, before you finish building your team, make your own list. Ask yourself, what could a bot do that I’d actually regret? Those right here, your answers, those are your gates. It will be different for everyone, so be honest about yours. Once you have your gates, you have three places to set them. The first and the strongest one is what tools a bot even has. If a bot doesn’t have the tool to send an email, it can’t send an email, no matter what it decides in the moment. So, the cleanest gate is just never handing a bot the keys to something it should never touch. The second is Hermes own approval setting. You can put it on smart and it’ll auto run the safe stuff and block the genuinely dangerous stuff and stop and ask you on anything in between. When it asks, you get four choices. Allow it once, allow it for the whole session, always allow it or deny. And the third layer is inside the soul.md file itself. You can write the rule straight into the bot’s personality. You can say something like never send anything to a client without my approval. Just know this one is a softer layer, meaning the model will try to honor it, but it’s not a hard wall like the other two that we just covered. So, use the soul to reinforce, but never as your only lock. Setting those guard rails is exactly what lets me hand the team my real business and be able to sleep at night. They run free, but the stuff I’d regret is gated behind a yes from me. Okay, enough setup. Let me put everything we just learned together and apply that. I’m going to build a content team that consists of three bots. My main Hermes agent runs point as the orchestrator or the operator. Then we’ll need a researcher whose only job is going to be to dig into what’s working right now in my space and a content creator that takes what the researcher finds and turns it into actual posts or content. So, let’s start by asking our main Hermes instance to do just that. Hey, Hermes, I’d like for you to help me build a team that will post and manage content creation on an Instagram page for me. Uh, you can ask me as many questions as you would like until you reach clarity. Ultimately, I’m thinking we could have two Hermes bot employees. The first one, a researcher that monitors what is working in that specific niche. And the second one, a content creator that will go ahead take that information and create content posts, graphics in the approved styles that we end up choosing and the direction that we ended up going for. Ultimately, I want you to be the one telling me um or relaying the information back to me. I don’t want to be speaking to the other bots. I want you to be my main point of contact. Can you help me out with that? And we’ll send this out. All right. So, I’ve given it the context. It’s asked me a bunch of questions and it’s currently starting to delegate and plan it out. Got it. I’ve locked it in. It has the brand. Please send me the exact Instagram URL. And it asked me a few questions. I’m going to go through this onboarding process, as I like to call it, and come back once we’re done. Would you look at that? It literally just ran through a set of tasks. Oh, researcher hit an error. That’s a very nice start. It ran through a set of tasks and it created them. I’m It even created the group chat itself. Uh to which I’m I’m just saying hi to my new team. Never mind. They did end up replying. I waited like 5 minutes and none of them replied. So, I went to check that my Hermes is still live. It was. I’m not sure what happened, but there we go. Hey everyone, what are we cooking today? Let’s go. Just as simple as that. Turns out what happened was our provider timed out, which is GPT. Uh we reached our uh session limit. Uh so I had to quickly reset that. Now we’re back to being up and running. All right, so it finished setting them up completely. It created the group chat. Everything is done. The one final check that I want to make before we get started with this workflow is I want to inspect the soul that it gave it mission. Very nice. It gave it a mission, a reporting line responsibilities. This is a very well-defined soul. Much better than what I could have done. Uh, and it’s on our subscription, which is good. It’s plugged into a cheap model, so it doesn’t end up costing us a fortune. Now, for skills, we don’t really care too much about that. Remember, what we want to do is turn off any tools or MCPs that that bot does not need. This is the creator bot. The creator bot will need access to Instagram. So, I’m going to connected to Instagram and disconnect it from anything it doesn’t need. Then, I’m going to go to the researcher and do the same thing. Uh, add and remove whatever tools, MCPS, and plugins it needs or doesn’t need. and then I’ll be back once that is done. All right, done with that. I’m going to ask them team let’s get started. Now what you can do in that group chat say you want to reach out to the researcher specifically then you type at researcher and just like that you can tag it so that it knows this is for them specifically. I can tag the creator. I can tag all everyone or I can tag the orchestrator operator specifically. And there you go. Just like that, it’s following our instructions, which is Hermy the orchestrator/operator is the one I’m talking to. He’s coordinating everything. And he said, I’ll coordinate and quality check the final package at researcher. So, it’s delegating to the researcher. Surface today’s strongest evidencebacked psychology angles. and at creator it’s delegating to the creator turn the best one into a sharp practical concept once the research land I realized I didn’t brief you on this but I used to run a psychology page called daily psych on Instagram a few years back and the job that I gave them was to brainstorm and come up with a plan of content angles that they can create to revive the page and just like that the researcher is doing his job, the creator, strong handoff. They’re talking to each other and you could just sit back, watch, come back in a few minutes and see what the back and forth was like. And this is great because they understood the assignment. They came up. So, this is the the chat. They had a back and forth. The researcher came up with the research, handed it off to the creator. The creator conceptualized how they can make that into content. Then they sent it to Hermy. Hermy, here’s the finished carousel draft. And Hermy, relate this back to us with a caption, with a style. All I asked was great. Now you can create the post and run them by me here. A nice thing you can do over here is if you have multiple workflows running, you can create groups. So I’m going to call this daily psych. And inside that group, we’re going to move, there you go, all of the bots that are meant to be in this group. That way we can stay organized around all of our different groups. So say you have multiple content pages, you have multiple, I don’t know, businesses, workflows, uh, levers that you’re pulling, you can organize them that way so that they’re much easier to navigate through. Sorry, but this back and forth that you can watch your bots just go through is insane. It’s crazy how fast this tech and innovation is moving. Essentially with that, this is what they ended up creating, which I absolutely love. This is the first slide, the second one. So, they created the carousel, sign two, sign three, try this tonight, and a call to action. Save this for the next hard day. And it’s insane to watch the back and forth they’ve had. Once the creator finished the content, he sent it to Hermy, said, “Hey, I’m done.” Hermy then tagged the researcher and said, “Hey, like check it or doublech checkck it uh for anything that might be off or not evidence-based.” The researcher checked it and said, “Hey, no research objections in this copy packaged as drafted and Hermy came back and said, “Hey, I’m done.” That is insane. Here’s the part that makes this entire process compound. After a job wraps, we can tell the team to save what it just learned. So the next time I ask for the same kind of thing, it already knows my format, my style, the sources that I trust, and it leans on me way less. At the end of the day, you’re not just running a team. You are training one. This is how you eventually get to it, asking you less and less questions with time and need less and less of your input. So here is my advice for you. If you have a one-off job, don’t even bother with a bot team. One good agent can do that job. I mean, you don’t need a team of agent to do one simple task. For example, like manage an email. One really good bot is more than enough sometimes. Don’t go build a whole team just to answer one email is what I’m trying to say. But the things you do every single week, managing your content or your business or your weekly workflows, that’s where building a team of AI bots really shines. a handful of specialists, each locked to their own job, checking each other’s work and running while you sleep. That’s the whole point. The best part is that Hermes is free and it’s open source. So, the only thing this costs you is setting it up, aka your

  • 09/23/2026 – Alliant Webinar – Savvy Tax Planning

    time for it to grow. I’ll tell you more about that in a second.

    So, okay, who can do an IR a Roth conversion? Frankly, anybody can. There’s no age limits, high or low. There’s no income limits, and there’s no requirement to be working. Anybody can do it. So, if you’re newly retired and you’re in a low year, a low income year, hey, a lot of people use those first few years of retirement to really take advantage of it when they’re in a low tax bracket.

    But now, here’s the risk is well um well, here’s the reason why you may want to do it. Let’s say you do, let’s say you’re doing $100,000, right? Now, let’s say you’re in a 22% tax bracket. Okay? If you’re in a 22% tax bracket, okay, that’s going to cost you $22,000 to do. So, you know, gee, Bill, that’s that’s expensive. Why would I want to do that? Well, because now it cost you $22,000 to convert that $100,000 from pre-tax to post tax, right? Okay, let’s say you’re 55 years old when you do this. In or whatever age you do it, it doesn’t matter, but you do it today, right? In 7 to 10 years, that money should double. So, your 100,000 will now be 200,000. Remember the rule of 72. how long it if you’re making between 7 and 10% that money is going to double in 7 to 10 years, right? Okay. So now that 100,000 is now 200,000. What’s the taxes you paid on it? 22,000 or the effective rate that you paid is 11%. Give it another 7 to 10 years. Now that 200,000 is 400,000. What’s your taxable rate? it ends up being 5 a 12%. That’s why it makes sense to do a Roth conversion if you can. But there are a couple of things that you need to make sure that you have in mind. Um, one, um, you got to make sure it’s not going to hit you up into Irma if you’re 63 or older. You know, remember I said there’s a 2year look back for that. So, be aware of that. I go a lot more deeper in in other webinars on this. Um, and the other big advantage of it is is you decide when you want to take distributions. There’s no RMDs on it. It allows your account to grow uninterrupted taxfree for the rest of your life and it provides a tax-free inheritance to whoever you want it to go to. So, it’s all taxree. So, good good reason to do that. Now, I’m going to go on this briefly. Used to be that it didn’t matter when you did an uh a Roth conversion because at the end of the year, if you ended up going over or hitting an Irma, you know, tax bracket, you could reccharacterize it and and change it before the end of the year. After 2018, they changed that. So, now you cannot do that anymore. So once you convert to a WTH and do that Roth conversion, you’re stuck. So that’s why I usually say wait till the end of the year when you know what your tax situation’s going to be because if tax bills higher than you thought it would be, well, thanks for playing. You’re out of luck. You accidentally fas yourself out of a credit or income dropped, you know, investments dropped in value after you converted, change your mind for whatever reason. Well, thanks for playing. We have some lovely parting gifts for you. Pay your taxes. So, here are the things that you want to ask. Three questions you want to ask of, you know, before converting is number one, uh, do you have a rough idea what your conversion impact is going to be on your tax bill? Do you have a plan to pay the resulting taxes? Preferably, you want to use money that’s not in your IRA money to do it. you want to take money that’s out of it. Um because you really want to take you really want to keep as much of that in the IRA as possible to really take advantage of it growing. Um also do you have a reasonable expectation that the benefits of prepaying your taxes like this make sense in your overall plan? In other words, do you have time and do you have other money to live off of to so that you don’t have to take the you really need for this to really take advantage, you really need to leave it in for at least seven of 10 years to really makes to have it make sense. So the answer to all three of these questions should be yes. If it is, then it could make a lot of sense to do. Now, doing the whole thing at once, that doesn’t necessarily make a lot of sense to everybody. But here’s what I would say is whatever tax bracket you’re in, fill it up to the next level. This way, you’re not adding, you know, you’re not go and sometimes it could like if you go up into the 24% tax bracket, I have no problem with that. I’ll pay an extra 2%. Because if you go into the 24% tax bracket, you’re not necessarily paying 24% tax on everything. It’s only the portion that’s in that bucket. So yes, it costs you a little bit more to do, but the tax savings in 7 to 10 years, maybe even more. So, you know, once you get into your higher tax brackets, then it doesn’t make as much sense, but it depends on how much time you have. So, there you go. So, couple of things you want to look for when you’re doing Roth conversions is you want to look for low income years if you can. So maybe if it’s your first few years of retirement, but before receiving your social security benefits, pensions, or other, you know, IRA distributions, that might be a good time if you’re a business owner with unusually low sales or unusually high expenses or if you had a non, you know, really high non-recurring medical bills in one year where you get that, you know, you get a deduction that’s really lowering your taxes. Those are all reasons. Hey, you know what? I’m in a low tax bracket this year. Let’s take advantage of this. So, all right. Um, now obviously there are limitations to this. These strategies aren’t for everybody. As you can see, there’s no guarantee that a Roth conversion will achieve the intended results. So, just do a little planning before you, you know, before you just willy-nilly go for it.

    All right. Um, okay. Now, when you’re rolling over IAS, there’s two ways to do it. You can do it indirectly, an indirect rollover. It’s essentially known as a 60-day rollover. You can shortterm loan. You can take the money out, take the money. You’re essentially giving yourself a 60-day loan, but you better make sure that you get it in within 60 days because if you don’t, then it’s a taxable event, and they’re going to want their money. A cleaner way of doing it is doing a direct rollover or a trusty torustee transfer. Essentially, what you’re doing is is you’re telling your 401k or your company, they will send it. They won’t send it to you. I mean, they may send you the check, but the check won’t be made out to you. It’ll be made out to here. Here’s here it is right here. It’ll be made out to your IRA for the benefit, you know, it’ll be made out to whatever company you’re transferring it to for the benefit of your IRA. So, even though they may send you the check, the check won’t be made out to you. So, essentially, here’s how it works. Is when you do a indirect rollover, you’re getting the money out. If now you take it out of a 401k, they’re probably going to take a 20% mandatory withholding. You get the money back once you roll it over, but you got to wait till the following year to get it back. So, I would say it’s better it’s better to do it. It’s just cleaner unless you really need a short-term loan. Do it this way where the funds go directly to the new, you know, your new IRA. and you you know even if they send you a check it’s not made out to you. It’s not a taxable event. You can’t cash that check. So there you go. All right. Now coordinating your IRA planning should be it should be with all of your aspects aspects of planning. Um you know your overall retirement plan, your estate plan, your tax planning, education planning, it all you know you want to make sure it all coordinates together. Um, so

    the last big thing I’m going to go over here, there’s a few other things that I’m going to zip through because I know I’m getting close to the end of the hour here. Um, but and I try and I try and really honor your time. Um, I’ll stay on for as long as I see I got a bunch of questions, so I’m going to stay on as long as you guys want, but I’m going to try and get this wrapped up within within the next um within the next few minutes. So, I may go a little quicker on a few things. Um, it’s not just what you own, but where you own it. Now, this is a really important concept that a lot of people just don’t understand. Let’s say you have $200,000 total in your retirement. You have $100,000 in an IRA and you have $100,000 in a nonirra. You’re in a 24% tax bracket. You want to own $100,000 of investments in a hypothetical 4% interest rate, right? And then you also have $100,000 of stocks paying you a hypothetical qualified dividend of 4%. Okay, what’s the difference? Does it matter? Well, let’s take a look. Scenario one, you essentially have all the stocks are purchased inside the IRA account, which a lot of people do because they think, “Oh, I’m going to put my stocks in IRA and they’re going to generate $4,000 of qualified dividends. Great.” In general, qualified dividends receive special tax treatment and are taxed at long-term capital gains rates. So these rates are lower in they’re they’re typically lower than ordinary tax rates. So because this income is made inside an IRA and all the withdrawals inside an IRA are taxed with ordinary income, you really lose that benefit. So with that in this case, you’re taking out the four $4,000 of your IRA withdrawals of your dividends. Okay? You’re in a 24% tax bracket. Your tax bill is $960 out of your IRA. Your other $100,000 is earning the same amount, 4% in bonds, paying 4%. Okay. Well, that’s interested ordinary income. So, okay, it doesn’t matter whether you take it one or the other. Your taxes are going to total up to 19, you know, 1920. Okay. Well, let’s say we do the opposite and we say, “Okay, we’re going to keep the 100,000 in the bonds. We’re going to put the bonds in the IRA.” You’re still going to pay the same amount. It makes $4,000. You’re getting $960,

    but the ordinary dividends in your ordinary stock account, now they’re taking the capital gains rate, which is 15%. So, you’re paying it’s saving you $360 a year on this amount. So, you may not think that that’s amount, but hey, $360 makes a hell of a lot looks a hell of a lot better in your pocket than it does in Uncle Sam’s, doesn’t it? So all these little things that people don’t think of are ways little things that you can really take advantage of, you know, how you keep your money and diversify from a tax standpoint and make sure it’s you’re really maximizing it. Now obviously there’s no guarantee that the investments will perform as ex you know all the disclaimers are out there. Um, you know, not all dividends qualify for taxation of long-term capital gains rates. You know, talk to your qualified tax professional or uh, you know, but I I can tell you which ones as well when it comes to investments at least. So, and it’s no no guarantee that obviously the tax rates are going to stay the same. So, just be aware of that. Okay. A lot of people don’t properly evaluate the decision to apply for social security benefits. Um, this can be a major mistake and in one, you know, it can cost you more than $100,000 of income over the course of your retirement. So just be aware that social security is one of the best it’s the cheapest annuity I’m using my finger quotes here that you can buy because typically what’s happening is the price compared to other assets used to delay social security. Social security it grows at 8% a year. Now granted it doesn’t always make sense to wait. It depends on a few things and I go through this I do a whole webinar on social security where you know it really depends on one your need it depends on your health your life expectancy there’s a whole slew of reasons but and but just know that you know at least no matter how much you’re making at least 15% of your social security benefits are going to be tax-free.

    So you want to really take advantage of that as much as you can. Um the other thing is you want to coordinate your IRA planning with estate planning. Now the big thing with this is is that most people think that okay well your spouse you know um when you are you know on your beneficiary form um IAS avoid probate you know so it goes directly to your uh goes directly to your beneficiaries. Now, the biggest mistake I see a lot of people make with IAS is they do a trust and then they create they name the beneficiary is their trust. Why would you want to why wouldn’t you want to do that? It’s cleaner, right? Well, here’s the problem with that. Beneficiaries in an IRA, when you get a beneficiary to an IRA, I’m going to tell you in a second. Okay? So, if it’s your spouse or any one of these other categories, but primarily it’s your spouse, they can essentially take it and they have the ability to stretch it out over the course of their lifetime. Great. Okay. Well, if it’s not, if it’s your kids or a family friend or whatever or something like that, well, then they can essentially take it out over the course of they can take it. So, if it’s a spouse, she can just or your I say she because women always outlive us. Come on, we all know that. So what happens is is that when you um so when your spouse inherits it, they can essentially treat it as their own. They have the choice. They can either keep it in a beneficiary IRA where then they can take they can take it out over the course of 10 years, right? Or or they can treat it as their own. they can roll it over to their own and if they’re as long as they’re of 59 and a half, you know, they can then take it out over the course of their lifetime. So, you have the choice of whether or not you can do it if it’s a child or a friend or some other family member beyond a spouse. Well, essentially what happens is is you have 10 years to take it out. So, just be aware that you have 10 years. You can’t just take it out over the course of your lifetime. Um, so why would they want to remain as a beneficiary instead? Well, if they remain as a beneficiary, then they don’t have to wait till 59 and a half. They can take it out whenever they want. They can just do it over the course, you know, and they have 10 days to 10 years to do it. Now, here’s the biggest thing I want you guys to know about IAS is that there’s a lot they are a big target for scammers. The reason is because they’re a huge part. Your house and your retirement are your two biggest assets, which means it’s a big target for scammers. There’s a lot of people out there trying to, you know, get a hold of you and do all that. So, just make sure you talk to someone who knows what they’re doing. Any questions, problems, complaint, come talk to me anytime. I’m here to help. So, with that, um, I know I kind of rushed through the last part because I know I’m going over a little bit and I wanted to I wanted to really, you know, value your time. I try and wrap these up in a in an hour and I know I have a ton of questions here. So, um, with that, if you have any questions at all or if you want to do a plan or if you I’m going to get to all your questions. I see that I have a ton of questions here. There’s a couple of things you can do. Um the first thing is you can um oh one if you are uh if you want to do a plan with us um make an appointment. I’m happy to sit down with anyone and it doesn’t cost anything to sit down with me. It doesn’t cost anything to make a plan. It doesn’t cost anything to, you know, do estate planning or any of that. We’re here to help. And um now that being said, we’re a we’re a nonprofit. We’re not a charity. But the one thing, you know, so the profits we do make instead of paying off shareholders or lining the golden parachutes of our corporate executives, it goes back into serving you. So with that, if when you come and make an appointment with me, there is no cost to that. There’s no cost to do a plan. When we do a plan, I will certainly make suggestions to you. But whenever I make a suggestion, I will always give you three things. Advantages, disadvantages, and the cost. Sometimes that cost is a is a fee. Sometimes that cost is time. Sometimes it’s both. But you need to know what each one is to make an informed decision. So I always I will always there’s never an obligation. So, you know, if you just want to sit down and ask me questions, I’m I’m easy. I’m a low pressure guy. So, with that, all right, so let’s get to the questions. I know I ran a little long. I apologize, but okay. Um, so, oh, if you want to make an appointment with me as well, there’s a couple of ways to do it before I last thing before I get to the questions is you can either do this QR code. This will give you to get you to my email. I mean, it gets you to my calendar. Pick a time that works for you. Pick a 30 minute window and we can sit down and you can ask me whatever you want. Um or if you also the other way to do it is um you can I see a bunch of people already requested an appointment. What I request from you in doing that way is just put in either the Q Q&A or the chat. Just put down phone or email. Lets me know how you best want to be contacted. So, all right, let’s get to questions here, shall we? Okay. So, the first question here is from Michael. Okay. Michael asks, “Are social security payments are social security payments contributions that can be deposited into a Roth IRA?” They can be. Um, but you have to have earned income. So, you can’t use social security payments only to fund an IRA. You have to have other earned income. So now you could use your social security payments if you’re converting. You know, you could use those social security payments to to pay the taxes. You could do that, but you can’t use it to fund an IRA because it’s get that’s not earned income. Hopefully that answered your question. Okay. Can an annuity be considered a contribution uh can be a deposit to a Roth? You can do a Roth IRA in an annuity, but you can’t just use annuity proceeds. Again, it’s got to be earned. It’s got to be compensated income. So, you have to have a job that you made some sort of compensation. either it’s personal income or a salary or something that you went out and got paid to for doing work that you’re you’re you know that you’re going to be taxed as ordinary income to the government to fund that. It can’t just be a passive investment or social security or anything like that. But great question. Hopefully I answered it. All right, Michael has another question here. How do you defer RMD and how do you calculate RMD? Well, hopefully hopefully I already answered that. Um, I’ll go through that individually with you, Michael, if you if you want make an appointment with me and I’ll go through that where we can say, okay, take a Well, here I’ll do it here. Uh, let’s see if I can go back here. Essentially, what you do is where is it? Okay, RMDs. So, all right. So, what you do is you take the end of your year balance, your December 31st balance, and then you take your life expectancy factor. You take that factor, you divide into the into the end of your balance. That’s how you get your RMD. Now, that being said, come, you know, just just ask me and I’ll I’ll help you figure it out as well. All right. So, let’s get back to here. All right. Back to questions.

    Hold on. Sorry. There we go. Okay. All right. Uh

    All right. Next question is from Anonymous. Hello, Anonymous. Um, can you also help Can you also help if self-employed and before only work part-time with no retirement account, now divorced and only received 50K in an IRA account and with a big mortgage, you know, um, anonymous sign up for, you know, take the QR code, put on my and I’ll go through it individually with you cuz sounds like you have a specific need that you want to solve and I don’t know if I can just take this from um I don’t know if I can just take this from your question here. So um make an appointment with me and I’m happy to go through it with you individually with you. Um okay, next question is from RA. Hello RA. I’m retired and I only have a small amount of traditional IRA um and didn’t want it to be taxed. I rolled it into Schwab. Now what? Um I have annuals of 25K just sitting there. Okay. Well, sit down uh sit down and have a conversation with me. I can one I’ll help you kind of if you want to keep it with Schwab I’ll I’ll certainly answer any questions with you. Um if you want to know what some other options are here I’ll explain what those are as well. Uh but make an appointment with me and I’m happy to sit down uh sit down and and help you. It’s I don’t know what question you’re really asking me other than you want to know what you should do and I’m going to need some more information from you to give you that answer RA. All right. Um, moving onward. Okay. The next question is from anonymous again. Uh, maybe it’s another anonymous. Um, can I roll over a 403b into a new Roth? If so, does it does it matter before retiring or during? Um, yes. The answer is yes, you can. You can do it all at once or you could do it over time. It it does matter. It doesn’t matter if you do it before retirement or during retirement. It matters what your tax bracket is when you do it. That’s the key thing. So, you want to max, you want to really manage what your tax liability, and you also want to make sure you’re not hitting any of those pitfall sir charges like, you know, Irma or something like that. Um, so yes, but the answer is yes, you can absolutely do it. All right. Um, okay. Michael’s on the horn again with uh can Roth conversions be done incrementally? Absolutely they can. In fact, if you have a large amount that you want to do, typically I would say, yeah, you want to do it over a few years so you’re not killed with taxes all at once. So, yeah, I would say create a plan on how to do it if you want to do it. And you may not want to do all of it. Like, you may want to keep some of it as traditional IRA. Why would you want to do that? Here’s why. Because let’s say, remember I said I’m going to be doing um a webinar in a few weeks on long-term care. Well, if you have a long-term care issue, I’m going to give you a sneak preview to that. If you have a long-term care issue, well, you want to keep some of it in your traditional IRA. Why? Because anything you’re paying for long-term care is going to offset the income that you’re going to get from taking it out of your IRA. So, if you have, let’s say, $60,000 a year to come out of your IRA to pay for help pay for your long-term care. Well, okay, that $60,000 you’re taking out of your IRA is going to be offset by the $60,000 a year that you’re using for those expenses. They’re deductible. So, it’s going to offset the cost of that. So, essentially, it’s taking out your traditional IRA taxfree. as long as it’s for that reason. So that’s why, hey, you may want to still keep some money in your traditional IRA. That’s why it’s so good to do a plan so you can kind of see what the, you know, I’m going to think about these because that’s is all I do is I plan for these things and I help you plan for them and I kind of see what are the whatifs and help you kind of so you don’t have to kind of fish through them yourself because I know listen your head’s probably spinning. We’ve been on for an hour and 15 minutes now and your head could be spinning by all the different options out there. That’s what I’m here for. I’m here to help walk you through them. So hopefully that answered your question there, Michael. Okay, getting onward and upward to the next question. Okay, can still add anonymous again here with can. Okay, can I still add to a 403b that is doing well even if I don’t work at the company anymore? No, you got to be working for the company to contribute to a 403b typically. Um, that’s one of the benefits of being at a 403b. The problem is is that when you’re no longer working there, no, you can no longer contribute to it typically. Um, now you can, if you’re still working, hopefully your new company will have a 403b. You can certainly do that or you can roll it over to an IRA and, you know, and keep hopefully invest in the same things, you know, the same type of investments within your within your IRA. Um, so no, but you can’t keep contributing to a 403b if you’re no longer working there. Um, okay. Lucy asks, um, “Is it worth it to convert in a higher tax bracket now to lower the IRA balance and avoid future survivor tax bomb?” I would say, Lucy, that’s a great question. The answer is, it depends. It depends on your personal situation. I would say do a plan so we can figure out what that answer is for you. Cuz for one person, it may make sense. for the next person next to them. It may not. So, that’s a personal thing and I would say, you know, let’s sit down and we’ll talk about it. Okay. Uh, all right. Carolyn asks, “Am I taxed on a pension as I am? my tax on a pension as I use it to pay for a long-term care facility. Um, no. Well, typically anything you’re paying for a long-term care, if you’re paying for a long-term care facility, it’s going to offset, it’s going to be taxdeductible. So, whatever taxes you’re paying is going to be offset by that. So, you know, if your pension’s taxable, it’s the same thing. It’s going to be it’s going to it’s going to come off your taxes. So, because it is it is a taxdeductible thing. So, now granted, I’m putting on my disclaimer hat. I’m not qualified to give tax or legal advice. For tax or legal advice, please talk to your qualified tax and legal professional. Okay. Um, Anonymous is coming in with the questions here. Okay. Anonymous asks, um, when in the year do you take the distribution or do you roll it over to continue investing? I’m assuming when in the year do you take the distribution or do you roll it over to con continue investing? Your you mean your RMD, your required minimum distribution. Is that what you’re talking about? Um, you can take them out, whatever works for you. Some people take it out on a monthly basis. Some people take it out on a quarterly basis. Some people take it out once a year. Some people take it out on their birthday. It’s up to you. Um if you’re if that’s what you’re talking about. Um that’s what I would say. And roll it over to continue investing. I mean, you can take if if you’re talking about an RMD because I I assume you’re take you’re talking about a distribution, right? So, uh, oh, Janice, should you do a 30 or 60 minute? I would say start off with a 30 minute appointment. Great question. Um, start off with a 30 minute. If you need to do 60, I’ll I’ll run a little long for you, but most of the first initial appointments are 30 minutes. Um, okay. So, hopefully I answered your question, anonymous. Um, feel free to make an appointment if you if you want to go into it a little further or just clarify the question for me. Um, okay. All right. So, next question. All right, Jan, I answered yours. Do a do pick a 30 minute appointment to start. Uh if you want 60 minutes or more if you’re doing a plan when I I’ll do I’ll take 60 minutes to go over your plan with you. Um that’s usually what it is. Um does it make sense to anonymous again uh does it make sense to consolidate SE IAS from two different accounts? What is the upside of doing it? Um I mean people just do it because it you you know just because you consolidate accounts doesn’t mean you know you’re less diversified. Your diversification comes from what you’re investing it in. It just means that you’re going to get one less statement and you have one less account you got to worry about. Um so yeah, I would typically say a personal I mean it’s a personal choice. Some people like to have it in separate accounts, some people like to consolidate it. Um, as they get older, people, most of my clients want to consolidate their accounts. So, hopefully that answers your question. Um, all right. Lot of good questions here today, folks. Um, again, I’m going to be on for a little while longer. I’m going to open up the lines if people want to ask me just individual questions. Um I’m happy to do so. I’m also going to be keeping these open. So if um so if anybody um if you have a new question coming in, I will I will be on for a few more minutes to answer these questions. Um that being said, I know I ran a little bit long, but you guys had some great questions. Uh, and I did wanted to get through a good portion of, you know, I had a lot of information I want to get to. So, thank you for hanging in there with me. Have a great night, everybody. And, um, if I don’t see you sooner, I’ll see you in two weeks. Good night, everybody.

    All right. And that being said, if if I’m going to open up the lines if anybody wants to say hello or ask a question, uh, just unmute yourself. at the bottom of the uh at the bottom of the your screen, you’re going to see a little microphone. Click the microphone and it’ll tell you to uh

    uh there you go. It will So, if you if you just want to say hello, feel free to say hello. Everybody’s Everybody’s unmuted, so feel free. I’m on my cell phone. I couldn’t scan. Hello, Ra. Hello. I couldn’t um scan for appointment from my cell phone. Oh, okay. Did you uh Okay. So, do you do you have a Oh, so you Okay. So, I’ll tell you what. Well, um So, you can’t scan it cuz you’re on a cell phone. Did you Were you able to uh Well, I’ll tell you what. I’ll I’ll just add you to the list of and I’ll I’ll reach out to you via your email. Oh, okay. Thank you. You know, or or I mean, yeah, because I don’t I don’t want to do it right now because there’s there’s other people on the line and you know, but but if you you know, but I’ll I’ll reach out to you probably tomorrow cuz it’s getting a little late for me now and my dogs are waiting at home and so is my wife. So, I don’t want either one of them barking at me. So, I’ll probably I’ll probably respond tomorrow and I’ll get a I’ll get an email out to you with a with a link to my calendar where then you can pick a time that works for you. Okay. Okay. Sounds good. Ra, thanks for coming. Is this your first time on um with

    Is it the first one? Cuz I haven’t seen your name before. With other people from a line. Oh, so you’ve been on with other people of the line. Okay, that’s good. Okay. Um, well, hopefully like we’re all different. We all have different personalities and and things like that. So, you know, but if you want to Yeah. If you want to sit down with me, I’ll I’ll I’ll reach out to you tomorrow with an email and just pick a time that works for you. Awesome. All right. You have a fantastic evening. You, too, Bill. Mara, she couldn’t take a picture of it cuz she’s on her cell phone. So that’s why she couldn’t take a picture of it because she’s on her cell phone. Mara was telling another client was another person on was saying just take a picture of the uh of the QR code. She couldn’t because she’s got uh some. All right, Valerie’s got her hand up. Thanks for a very clear presentation. Um I think that there was a quick abbreviation and understandably on some of the um I forget the technical term for it. These kind of special eligibility categories for inheriting an IRA and whether or not you have lifetime. Yeah, I was getting to the end and I kind of went through uh I went through it rather quickly and I apologize. Right. Well, in a situation where um an individual has uh two children, one um with kind of a lifelong qualifying disability uh that would allow Yeah. Disabled. Yeah. Yeah. And and and the other non-disabled um who would be hit with a you know, kind of probably an illtime tax bill uh from inheriting an IRA. I didn’t quite I mean I know that there are multiple considerations around that um and it’s kind of more preferential to leave um the holdings in an IRA to the person with a disability. Um but what was this about age 59 um with reference to uh No. Oh, okay. Was that in reference to a spouse? That’s to a spousal IRA rollover. So if you’re inheriting an IRA and you’re the spouse, you have you have two choices. You can remain as a beneficiary. Yeah. And just you have, you know, you have you can take it out over the co. So you don’t have to wait till 59 and a half because you’re a, you know, you’re a beneficiary listed. Just the same as, you know, anyone who inherits an IRA does not have to wait till they’re 59 and a half. They actually have 10 years to take it out, pay it out, right? So what I would recommend in that case is usually take it out over the course of 10 years. I do a whole webinar on just these type of things. Not not not all at once if you’re nonis if you’re non-disabled. Um well, if you’re dis if yeah, if you’re non-disabled, do it. Still spread it out over the 10 years. What a lot of people do is they say, “Oh, I want to keep it. Yeah, I don’t want to do it right now. I wanted to keep earning.” And then they forget about it. And then in the 10th year then they have to take out like let’s say okay they inherited a half million and then and they didn’t do anything about it. Yeah. And then you know you could take 50,000 out a year or if you leave it alone for 10 year in the 10th year if it doubles in 10 years now you’re taking out a million dollars in one year. And you know who the biggest beneficiary is going to be? Yeah. Uncle Sam. But but again for a non-disabled individual they don’t have that. I mean for a disabled individual you have 10 years to take it out. But for a qualifying disabled individual they would then they can take it out over the course of their lifetime. So essentially they’ll get it’s kind of like an RMD. Yeah. You know where you can get an RMD and take it out. So if they’re younger the percentage that they have to take out is a lot less.

    Okay, I’m getting I’m sorry. I’m getting confused. I thought for for a disabled individual, they could spread distributions over a lifetime. They can. Okay. But there are required minimum distributions over the time. Essentially, if you’re a disabled person, Yeah. If you’re a disabled person or the the beneficiary is a disabled person, Yeah. it’s like an RMD. You can take it out over the course of your lifetime. It’s called stretch. You can stretch it out over the course of your lifetime. So yeah, in the first few years, you’re not taking that much out. I see. But you’re still going on this schedule of life expectancy. Yep. Okay. All right. That’s what I didn’t didn’t get. And then, you know, I guess that there are additional layers of whether or not you’re leaving it to a special needs trust or, you know, um how you’re I stay tuned for my next one. The one that I’m talking about when I’m talking about estate matters. Yeah, I talk all about that because my sister has a special needs trust. Well, my mom has it for my sister who has MS because my my sister, you know, she’s she’s disabled. So, we don’t want it to have it where she gets, you know, she can’t inherit, she can’t inherit everything, but then she’ll lose her disability benefits. So, what we do is, but my mom didn’t want to just cut her out of the estate. So, what we’re doing is we created a special needs trust. So, we the beneficiary is a special needs trust. She can get income from it, but she doesn’t actually own the assets. So that when the day comes from my sister that well then it goes to her kids. Uhhuh. And and it’s, you know, and it’s and it’s not messing with her disability payments. Okay. All right. No, thanks thanks for for for uh clarifying that they they are on a schedule of RMDs over a lifetime. Now, that being said, I’m not qualified to give tax or legal advice. For tax or legal advice, please talk to your qualified tax or legal professional. But yeah, yeah, if I can find if I can if I can find one who can deal with all of the disability related stuff. Um, which is which is hard. Are you in the state of California? I am indeed. And I would love resources. Um, I’m I’m in the San Francisco area. All right. Well, I’m right in uh I’m surrounded by Janentech. I’m just north of the airport. I live in the city. Oh, really? Okay. I’m in San Mateo, so Yeah. Okay. Well, you’re just south of me. I’m I’m just I’m just uh I’m right at Oyster Point. Oh yeah, I know it well. So there you go. So yeah, you don’t have to do it via Zoom. You can come and see me in person. Well do that these days, but I I welcome it. Thank you. Thanks a lot for the presentation. Glad you’re here. All right. Bye bye. All right. Take care.

    All right. Any last questions here? Okay. Let’s see. Let’s see. Margaret asks, “Oh, okay. Hold on.” Uh, when am I do Okay. Mara asks, “When am I doing Oh, Mara, you’re not there anymore. Sorry.” Uh, yeah, I’m doing the Well, she’s not there anymore, so I’ll I’ll reach out to her individually and let her know. Um, all right, Janna, I’m glad that you made an appointment. Um, all right. And uh that being said, if anybody else has any questions, I’m going to be on for a couple minutes longer, but I’m just gonna I’m gonna respond to an email. I There’s a few people left on. I guess you’re just either you fell asleep or you’re on the uh either you fell asleep or you’re uh just waiting around for any last minute nugget questions that anybody else asks. Either way, it’s okay with me. All right. So, let me just get back. Oh, darn it. I Okay. Well, I’m gonna get off that. So, let’s see here.

    You’re welcome, Carolyn.

    Jason, Rob, are you guys there or uh I see you’re still here. I don’t know if you’re waiting for last minute nuggets or you just fell asleep or you left, but you’re still on. Well, if you want to say hello, feel free.

    I’m just going to finish up this email. So, unmute yourself and ask a question or or put it in the thing if you want to talk. All right, it’s let me finish this email.

  • 09/23/2026 – AI Insiders Series – The Ultimate AI Affiliate Training That Makes You Bank!

    What is happening everyone? It is Luke here. Let me change the screen over for you guys. Let me pull this over here and let me go ahead and pull up our slides for today. Yes, we have got slides. Um,

    cool.

    Awesome.

    Um, I’ll turn my camera on, too. Why not?

    Hopefully, it’ll pop up here. There we go. What is up, guys? Good to see you all. I’ll take this down a bit.

    There we go. All right. Cool. What’s up, guys? Good to see you all here today. Let me go ahead and say hi in the chat. If you guys are here, let me know. Give me a thumbs up. Uh before we get started, we want to do something a little bit different today. Um with our weekly session, uh today I’m going to do a session. It’s not going to be as long uh as our normal ones. We’re going to just try to make this one uh 60 minutes, maybe even under an hour, 45 minutes to an hour. Um and just go through essentially just the key things. um for this week that I want you guys to focus on cuz we haven’t really done a bit of a recap um while while you you’re going to learn some brand new things today um that again is pretty pretty insane because again that’s that’s the AI world right now. Every week there is such insanely new things happening. Uh, I want to make sure, you know, we’re all on the same page and have a plan uh of and make sure that everyone’s do using these AI tools the way they’re meant to be used. Um, and it can be hard when when when new models come out, you have no idea. you you’re told how much more powerful they are, but you have no idea really what settings to put them on and are you getting getting the actual peak performance for best value um at the settings you have your AI tools set to. So, that’s kind of like the core thing today that I want to go over as well. Uh that’s well, the core thing I want to go over is Opus 5.5. This literally released maybe 6 hours ago. Um, and it’s also why I was saying in previous weeks it’s it’s frustrating um if I have a topic set for a webinar and then something like this will happen where where a brand new model comes out um that um it’s hard to know what like to do sometimes if I should push what what we’ve got planned aside. Should I should I teach everything? Um, but I think uh what I’m I’m going to try to do on our weekly um just completely free value sessions is have a basic topic and then uh just just be I’ll just be mindful that most likely there’s going to be something brand new that comes out every week. And that’s what it’s that’s what’s happening right now, which is crazy, but it’s also it also gives everyone it’s like a double-edged sword. The positive side is every time a new model comes out, everyone has the same chance again to get to the very front of this industry and space and use AI in the most effective uh automated way. You know, anyone that picked up that picks up AI this week for the very first time and learns an hour of training is going to be still 100 times more uh efficient, effective, um, and capable than someone that has an AI model from 6 months ago and it has been an expert at AI for 20 years, All right. Like that’s how crazy these models are now that every time a new one comes out, it’s a substantial leap forward. Uh and if you are on my um if you’re in my top 1% audience, I was going over this in our training the other day when I was talking about how all of the AI companies, they’re on a race to what is known as AGI. Now, let me go ahead. I’ll just pull up a a um just a Google document just in case we write a bunch of notes today. There’s not not going to be too many notes that I can think of, but I want to just do it anyway just so we have it here in case. Um so all AI companies are on the the race to AGI. This again is artificial um general intelligence and actually a really good documentary. You can actually I watched it last night. Uh, and it’s it’s already kind of dated in the sense that like this was filmed maybe I don’t know when when when they would have finished filming, but they even say in the in the documentary that by the time this gets released, uh, it’ll already be will already be substantially closer to a high. Um, but let me just see what it was called. Netflix AI documentary.

    Yeah. The AGI doc. How I became an AI apocalyp aopimist.

    Apocalyptimist.

    So, watch the AI doc. How I became an AI apocalyptist.

    H I think that’s how it was spelled right. Apocist

    lot

    to miss. I don’t know. We’ll just leave it at that for now. You get the idea. Um and actually just that’s going to annoy me that that that there. So I’m just going to copy this here.

    There we go. Didn’t even know that was a word. Um, so yeah, go ahead and watch that. It’s on Netflix.

    Um, and it’ll give you a really good idea. He he gets a bunch of the CEOs of these different AI companies because again whoever gets to a artificial general intelligence first whatever AI company whether it’s in America or anywhere else in the world is going to be the most powerful company in the world and the most powerful people in the world the ones that run it and have control of what it does. Uh essentially a AGI again is when um AI works at a level of intelligence um that is equal to or greater than that of humans. So I was um long long story short when this happens this is essentially the point when it makes more sense to use AI AIS for work than humans. uh when we’re at this stage, you can put AI models into robots, into uh machines, into different uh different use cases. Uh and it’s, you know, you don’t ever have to pay them uh anything like you can pay them 100 times less the minimum wage. They work 24/7. They don’t have sick leave. They don’t get um mental health days. They don’t need anything like that. and they are just working better and they never get things wrong uh or very very rarely. So that’s uh what we were talking about the other day. Now um in terms Well, give me one second here.

    Um I’ve got got someone that’s asked for the link to the webinar today because I know there was a error it seemed for some people.

    Um, but yeah, I don’t know. I don’t know. Did you Did you guys have have an issue with getting on today today’s session at all? I know it was um frustrating. For some reason, when I started it, there was not a bunch of people in the room. So, I had to send an email out with the webinar for today. Let me see if there was anyone on my Gmail asking for it, too, because I just want to make sure everyone’s got the chance to get in here. Um,

    it’s all good. It seems like everyone’s all right now.

    Um, cool. So, I’ll turn that off. That’s going to get annoying. Um, so for today though, the the core thing that I want to cover today is uh our Opus 5.5 and just make sure you guys understand how to use it. This is obviously with Claude. This came out last night uh literally only hours ago and I wanted to do a session on that today. So if that sounds good to you guys, give me a thumbs up in the chat. Let me know uh you see this again. This model, guys, if you if you guys remember, the last new new model we got was Fable 5.1, which was almost double as powerful as Fable was. Opus Fable was the biggest advancement in AI since the launch of AI. Fable 5.1 came out maybe less than a month later, twice as powerful as Fable. Now, the biggest issue with using these models is that they use a lot of tokens. If you have used them before and you’re on a lower or the basic level subscription of Claude, you’ll find that you will end up using them quite quickly. Now, when Fable 5.1 came out, not long after, um, Chat GPT released their chat GPT 6 model, which is literally like using Fable 5.1, even better in some areas, and um is much cheaper, right? It still is expensive. It’s like it’s still um you might even need not even the basic level subscription. I think it was the level up you needed to even access it. um at the time it came out, it might have come out to everyone now. That’s usually what happens. Um but what um Opus has done now is or what Claude I should say, has done now, or I really should say what Anthropic, the company that owns Claude, has done now is they’ve now just released Opus 5.5. And I’ve been waiting to see what they do because it had to be big. It had to be a big move this time again so that Claude or so sorry that Chat GPT doesn’t get too far ahead uh in the power of what they’re releasing because it’s the first time in probably 2 or 3 years that chat GBT had a substantial or even was in front of Claude in terms of the capabilities of what the AI tools could do. Um, so Opus 5.5 has come out, which is literally the same as Fable Level Bra in terms of brainwise, and it’s 40% cheaper to run. This is going to be your brand new default go-to model for 90% of the work that you do. Um, and I recommend changing to it now by updating your Claude. All right. And here in the bottom right, see it says opus 5.5. Have it set to this for 90% of your work. Um, and here you can see the speed medium. I’ve got it set to start with it at medium and we’re going to cover what it what it means at these different levels. Right. So, we’ll set it 5.5 at medium for now. And then um Oh, you can’t see. You can’t see right now. Let me go ahead actually and change the screen over.

    Share something else.

    Okay. Own claw here down the bottom right here. Opus 5.5 and I got set to medium here right now. Again, if you’re in normal chat, by the way, guys, up here in the top left, this is how you change between normal um normal normal chat with Claude. And then um Claude code is the top right one. Remember, use Claude code for anything we’re building. It is so much more powerful than trying to build it in chat over here. Again, for complete beginners here, when you use chat, uh you’re literally going back and forth with the Claude one- on-one. This your one agent is doing tasks for you. You’re then responding back to what it says, going back and forward and back and forward. And it tries to then get things done as quickly as possible. Um, as well as understand some things take a bit of time. So, but it you know it’s not the most efficient way to build things in claude code. This is where each chat that you have it each chat man uh each answer that you get uh the actual AI in claude code has the ability to launch uh different agents in the background side AI tools to launch and create and get access to third parties and and um bring in more resources to your builds. It could launch up to a thousand uh side agents to do work in different areas if it feels in your project’s big enough and that’s what’s needed and that gets things done so much quicker. Um but again here bottom right open 5.5 set boom and we are good to go. Now let’s jump back over. Let’s go through the slides first. Let me go ahead

    pull this up.

    Cool. Um, I’m now turn my camera off real quick just so you can see this a bit bigger.

    So, let’s go through these. Now again, this has only come out literally hours ago. I had I got these done literally before today’s webinar um after playing around with it a little bit and doing a bit more research into it. Um so it’s still going to come down to you using it and triing it with me to uh get a bit more use cases and whatnot, but uh this is what I found so far. So essentially, you’re getting more brains for less money and delivered faster. Fable level performance on most work. And this is what Anthropic says. It even tops Fable 5.1 on every benchmark they published at launch. This means it actually works better than Fable 5.1 when it first came out. Fable 5.1 has improved since. However, at launch, uh, this Opus 5.5 now works better than that. It’s 40% cheaper to run than Opus 5. Um, on a typical workload. So, again, this is huge. Not I think I said before, it’s cheaper to run than Fable. It’s 40% cheaper to run than Opus 5. And this is where where the last model was at Opus 5. Opus 5 um literally was so much cheaper than using Fable 5.1 or even Fable. So now to use 5.5 Opus 40% cheaper than Opus 5 was uh is insanely cheaper than than Fable 5.1 which is one of the key reasons why this will be your new workhorse. Um, yeah. So, that’s that’s how much cheaper it is on typical workloads, lower token prices, plus it finishes tasks with fewer tokens as well. So, you get more work done quicker, but less token spend, which is you can’t ask for anything more more than that. Um, and it’s 30% faster than Opus 5 as well. So, less waiting time on long builds, less rambling in the answers. Um, Opus 5 had an issue sometimes where it would just write you these giantly big responses and you it’s like I’m not asking for you to talk. I want you to just get the job done. Give me a thumbs up if you’ve experienced that at all. And you’re like, okay, stop talking. Just deliver me the link that I need. Um, if you’ve used it at all, you would have you would know what I’m talking about there.

    So, this is what’s changed since the last Opus uh price per tokens, it’s gotten cheaper. So, instead of $5 um to $25, um it’s now we’re now at um the cash rates per 1 million tokens, it’s about 20. Uh default effort is on high versus medium. So you can use a lower level model and get even cheaper uh usage than Opus 5 was giving. Um

    now thinking uh which you know is it’s what would happen in OBS 5. you have the option to choose our deeper deeper thinking on. Uh now with Opus 515 it’s always on and you just use the effort dial um to to basically say how much thinking you want it to do. Um 30% faster as we mentioned. Writing style over 5 was chatty and it had a lot of loose ends. Over 5.5 is plain English key info first. Um, reading charts and screenshots, it was all right. With Opus 5, it’s now much sharper, even at low effort. Um, and Opus 5 was okay at staying inside boundaries. Wasn’t the best. But, um, sometimes, for some reason, it’s one of the key problems that AI AI tools have always had. Um, especially the cheaper models and whatnot. They always try to escape to doing other work that you haven’t asked it to do, right? It’s like you’ll start with with with concept A in your head and now all of a sudden you’re building some side thing for your tool that you never even wanted 10 minutes ago, but you still haven’t got the first thing that you wanted completed, right? Um, this is going to happen a lot less um as they’re getting better at ironing out how to stop this happening. where you’ll fill the upgrade, long hands-off builds, multi-hour audits and migration runs, end to end with sub agents and little babysitting better re code review. Actually, what I should say with with long hands-off builds, this is when you’re building things um completely hands off. Um and I recommend doing these overnight and then just letting the permission let letting have permissions to everything or setting it to bypass permissions. So, we can literally just build overnight and not stop. You’ll literally wake up every day with every project that you’re going to build completely done. It’ll be finished. Um, if you go start before you go to bed, you’ll wake up with it ready to go in the morning and it’s a really fresh place to then start your new day. Better code review uh catches more real bugs and fewer alarms and explains it in plain English. Few wrong numbers, much less likely to state a wrong figure or site the wrong source. Um, decks and sheets need less editing and straight talking updates. It’ll tell you what it did, what it found, and where it needs what it needs from you. No trailing loose ends.

    Now this is going to compare it to Fable 5.1 the top highest model of uh Anthropic and Claude. So Obus 5.5 so you can see here it’s called it calls it the daily driver versus the specialist and that’s a really good way to think of it. Opus 5.5 will be your daily driver for everything. And Fable 5.1 is your specialist when you’re really demanding some high-end um work that involves a lot of reasoning um and maybe a lot of research and um and things where things could get a bit fuzzy or confusing in how to perfectly piece things together. use Fable 5.1 for that. The major literally the majority of things is you can just use Opus 5.5 now. Um, and that’s what I would be doing anyway. And uh, then having Fable 5.1 go over your Opus 5.5 work to see if it’s up to scratch with everything that it would do itself. That’s something you you see me consistently doing and teaching is whenever these expensive new models come out, I’ll use one of the lower models to build out a complete project. And from there, I’ll then have f the highest model go over and double check the work. Sometimes I even have chat GPT come in or codeex come in and look at Claude’s build work to make sure it’s done everything right and hasn’t missed anything. And it’s often good to do that because it’s the second set of eyes essentially and it’ll often find things. So Opus 5.5 costs about 60% less per token than Fable 5.1. That’s a huge huge saving. Means you literally can do over double the amount of work. Now, this is what I suggested as well. Before you switch models to say from Opus 5.5 up to Fable 5.1 or even Fable 5, start off at Opus 5.5 on medium. If something misses something in what it builds for you or if it’s not at the level you want it, uh,

    uh, raise it to the higher level and then to the extra high level.

    Then um after that it’ll say yeah after that um if it’s still missing at extra high you call in fable 5.1. So yeah, start low. You then then move the model up and then from there um we’ll see how uh close it can get to what you’re wanting. And if it’s not them, go to Fable 5.1. Skip straight to Fable 5.1 though when the job is broad fuzzy or across um or across lots of domains. hard reasoning where one miss is expensive, a document conflict or a bug opus keeps missing. Now again, say you’ve got like a live project and there’s paying customers, you might want to just use Fable 5.1 invest a bit more of your tokens or money into that so you don’t then have uh an issue. Although in saying that um 5.5 will be able to do the job in 90% of cases. Uh, I’d say uh low to max, how hard Claude thinks. So, low there’s a quick reflex, sub aents, rewrites, formatting, fast answers, medium, which is the default, uh, everyday pro, most chats, copy and research, and routine. Uh, Claude code include code work. Now, that’s where I I’ve always set my uh, opus. I sometimes move it to high though if I need a careful expert. If I’m doing something like a sales page strategy, tricky bugs or multi-step builds. Extra high is going to be the deep work mode agent builds over 30 minutes. Big refractors audits and max uh which is the no limits which is going to be frontier problems that beat extra high can overthink simple jobs. That’s really important to know. Can can overthink simple jobs. If you set your chord to max and um and you’ve got it there and what happens is um you then ask it a really simple question, it’ll it’ll it can get confused. It you can actually think it’s you’re asking it a lot more than what you are. You you might be asking it it’s just plain old basic uh response of what does it want? Um like what’s its goal? Um, and like yeah, just you you just want the simple answer, but because you put it to max, it will think that you that you’ve got a trick question hidden in it, and it’ll ask itself the same question a 100 different ways to try to make sure that it doesn’t have uh a trick answer. And it might even come up with like a trick meaning that that you’re trying to say uh or that it thinks you’re trying to say even though you’re not. And and then all of a sudden you’re getting all these token spend and this really weird answer. So just be aware of that. Uh, this is a good way to think of it. Medium on Opus 5.5 matches or beats high on Opus 5. So, if you’ve used Opus 5 in the past and you’ve had it set on a high, medium on 5.5 beats it on there. So, effort names don’t mean the same thing across models. Don’t copy your old settings across. Start at medium and then test up. Um, and the flip side at the same level 5.5 thinks more per turn. So, the old extra higher max settings run longer and they burn more tokens. So, just be aware of that.

    Um, pick the model and effort by the job. So, subject lines, quick replies, rewrites, opus 5.5 at low or medium. Sales pages, webinar decks, launch models, opus 5.5 and medium or high. Claude code feature builds and fixes opus 5.5 on high. Overnight away from keyboard builds, big migrations, opus 5.5 on high. Market research across messy sources. Fable 5.1 on high. The bug that beat Opus at extra high, uh, which means you’ve tried to fix it on extra high and doesn’t work. Use Fable 5.1 on high and then on max if it still can’t fix whatever it is then. So keep it simple. The three rules to run with. Default Topus 5.5 on medium for almost everything. Turn everything up before you switch models. Fable 5.1 is a specialist, not the daily driver. Right? So does that make sense with you guys? Give me a thumbs up if that all makes sense. Have you got any questions on any of that so far? Let me know.

    Now, let me I’ll give you guys a second here. Awesome. Good. Appreciate you, mate. Um, now since since I had to send this link out last minute, um, and I’ll share this with you guys in just a second here. Give me one second.

    Um, what I’m going to do is, uh, if you guys haven’t seen the webinar that I did for my top 1% audience the other day, which which some of you wouldn’t, uh, if you’re not in that exact audience, but I did send an email out in the and the replay out the past couple of days to my top 1% audience. Um,

    that

    Oh, yeah. I just read your question, Adam. Um, give me one second. Um, what I’m going to do is I’m going to give you access to the webinar replay from the other day in just a moment here. Um, it says, “So, replace um, but before I do that, Adam says, “So, do I replace Sonnet with Opus even on the $20 a month plan?” Yeah, I would I would do that at first and just see how you go um, token wise because um, it’s that much cheaper now. It’s not going to be as cheap as Sonnet. And until Sonnet does another update, you know, the work you’re getting, you get you a little bit literally getting fable level building for less than Opus was 40% less than Opus. I’m not sure. Let me even just ask here. Let’s find out. I’ll find out here real quick. How does Opus 5.5 compare to Sonet? Let’s find out real answers right now.

    It’s just loading up.

    So on an artificial analyst index, Opus 5.5 scores 58 against Sonnet 5, which is at 38. Cross 12 benchmarks. Uh it’s reported for both models. Obus 5.5 wins all 12 um

    uh which also include the SWE Pro and the Terminal Bench, which are the coding ones that matter for claw code. Uh, Opus 5.5 is $4 in for $20 out per million tokens, which is exactly 2x Sonet 5’s $2 in, but $10 out. So, it’s it is more expensive. It’s at double the amount of of double the cost. Um

    and Sonnet um right now has it’s made its cost permanent so the costs won’t be changing for Sonnet at that price. Um, but I would just test I would test and see for your use cases how uh how much you how much more better is it using Sonnet uh using sorry Opus and the results you get compared to just using Sonnet and if I put it in the context of Sonnet of Opus 5.5 is performs better than Fable 5 yet is 40% % cheaper than the last Opus, 60% cheaper than Fable 5.1. And I’m not sure how much cheaper than Fable 5 it is, but be more than that. I can I know the actual work the actual um it’s the actual what do I say? Um the work results that I get from Opus 5 is so um sorry from Fable 5 is so much bigger than like than what you get from Sonnet that I think you’ll be you you’ll be able to justify the cost um in terms of the quality of work you get and how fast you get it um than just using Sonnet. But again, it could be your use case. you might not need to at all. Um, any other questions on this one? Let me know cuz I’d love to be able to answer them for you

    before I run I run you through what I shared on the last session um yesterday or the day before, whenever it was, let me know.

    Let me see that. Okay, cool. All right. So, what I’m going to do here, let’s jump back over here. What I shared the other day was my brand new tool and I’m let’s let’s even use it right now. My brand new tool here called um Billboard mate. Now, what this is, I’ll show you here. This is a tool that I essentially had been wanting to build for a long time. And I tried to build it with op um Opus in the past and and even some of the earlier models and it just wasn’t getting to where I wanted it. But basically, I wanted a tool where I could create a banner or a billboard of any sort. Now, these are the ones that just get made inside of my tool to tool billboard made itself. But if I wanted to use this uh if I wanted to get create a banner inside of say chat GBT um and bring it in here, I could do that. Uh any AI tool, any AI image or non any image at all I can put in here really. And I then want to put this billboard here directly into an email, right? Or a sales page or an app or anywhere that you can possibly imagine in the email footer. This is a really good place. and then I wanted to change what’s on the billboard a week later. Uh even if even if I’ve already sent the email, well, I can do that. So, say I’ve sent you an email today saying, “Hey, you got a webinar tomorrow at 6:00 p.m. Eastern.” Well, the webinar started. I then want to change the billboard to say webinars doors are open now. And then say you click on yesterday’s email, it won’t just say register here. It’ll say webinar doors are open. But then say if tomorrow the day after you then um open the email for the first time and the and the webinar is already done. Well, if it’s if it’s if it says um join here or the doors are open now and that’s it. You’re like what the hell? What a waste of me even opening this. I’ve missed this email. But if the billboards changed to saying something like hey you missed the webinar but here’s your replay. you still get value out of it and then that’s an extra viewer on my replay. That’s one way of using it. And I actually what I’ll do is I’ll show you here.

    Here’s an example on the screen here. Say right now I got the webinar tonight, but then tomorrow I’ve I’ve got a launch week that that I want to change it to. Boom. It’ll just change to my launch week one. And then after Friday ends, after the Friday midnight ends, I’ll go boom to my evergreen offer. And wherever this billboard’s been pasted is what will show. So, let me go actually go ahead here and even share this with you. Um,

    let me open this.

    I’m going to mute my microphone so I can open it. One second.

    Every blog post you ever wrote, every page, every link in every bio, they’re all still out there, still being seen. Most are advertising something that ended years ago. What if every one of them was a billboard you still controlled? That’s billboard, mate. Paste one snippet once, then change what it shows and where it sends people from. One dashboard forever. Wherever you can put a banner, it works. Your email footer, your homepage, inside a blog post, your social bio, any clickable link. Launch week. One switch puts your launch on every board you own. Cart closes, they flip back by themselves. 40 old reviews pointing at a dead product. Change one link, every post now sells what you sell today. Put it in your emails. When someone opens one a year from now, they don’t see the old offer. They see what you’re selling today. One QR code on every slice. Registration, then the replay, then your offer. Your work stops expiring. Every page, every email, every link you make keeps working for what you’re selling right now. And it grows every time you hit publish. Paste it once, change it forever. Billboard made. All

    right. Hopefully you heard that. Okay. Can can I get a thumbs up if you heard that? Okay. Um and actually it made that video yesterday for me or like right before the webinar two days ago plus this cool sales page as well all in one hit. Uh it did both for me in one hit inside of Claude, which was pretty cool. Now, why I’m sharing this? Well, um I’ve just extended it just for you guys here or if anyone that watches watches watches this replay. Um I needed I need five people for this and I got those five. I decided I’d release another five spots for people that watched the replay. Um but only for 24 hours. Now, three of those spots got taken. There’s two spots left to grab this. But the main reason I think a lot of people are grabbing it is because of the wild bonus pack that I’ve done with it. So, let me run that through that with you really, really quickly. Um, let me go ahead actually and go resume here. Cool.

    So, basically the first thing I’m giving you guys is access to my um almost like my new AI AI workforce masterass which is going to be next month. Um, I wanted to create a master class, a single master class that went through every key area as uh that I run in my AI business. Um, to get everyone up to speed and up to scratch on where things are at. Um, and how to do it all in literally one week. Um, and by one week I mean doing one one to two hour session a day or I might do it over two weeks and do three sessions a week. I’m still working it out how I’ll break this down, but um I it things have changed since we’ve first launched AI um master classes, right? And that you don’t need to do a lot of the things that you used to have to do, but there’s some new things you have to do as well. See underneath here it says the old manual way which would be you would do a prompt to AI, you get an answer, you copy and paste that answer and then you would have to do some of the work uh and type things together and copy and paste things into different tools to get things to work. Now you can literally it’s the new AI agentic way is you then tell AI what you want. It’ll ask you questions. AI will then plan out how to do it. It will then use um use the tools and then it will execute um on the actual jobs and then it will check the work that it’s done and then it will give it to you for your final approval. Uh which is so much easier but it’s gone further than that. Now let me even just share this with you guys. Let me go ahead and share my full screen.

    So day one’s going to be going over Chad GP6 Ultra and um sorry Astra and Claude Fable 5.1 and Opus 5.5 now since that’s come out. If these models update at all will be covering the latest updates. Now we’re going to build the AI brain again. Now we don’t need to do things as how we used to, right? And essentially, um, I’m going to show you how to update your AI brain or what your AI tools know about you. So, you can essentially have one master brain and then have all your AI tools um, work on on the same brain. So all no matter what AI tool you use whether it’s chat claude Grock Gemini any of the free models they all know where things are at at the same exact time and let me even share with you see here this is my AI brain that I’ve got set up I’m going to make this look prettier but chat GBT claude codeex and manis which is met tool these all are working on my same AI brain these are the different jobs it’s been doing on different brains right now um or on different tools, but it all runs off the same master brain. So, we’re going to cover how to set that up. Um, then from prompting to delegating. So, how to actually get AI agents and and um tools to do the work for you. And again, as we said here, AI does the work from idea to done. How to be completely hands off. how to have Claude and Chat GBT use computer use, which means they can now take over your computer, literally launch browsers in front of your eyes and and use your mouse and go click on different links and sites and actually do any tasks that in the past uh it wouldn’t be able to do. So, you don’t even need to have direct access to certain tools. You could have Photoshop and you might not have zero idea how to use Photoshop or say Final Cut Pro, a video editing tool, and your Cord or your Chat GPT can become an instant expert at video editing. Uh, and it can edit a full video for you. uh or um fix or color grade a video or optimize an image or make additions or whatever it is you need done and it can do it without having a direct connection uh to um those tools. It can literally just open them up and use them by studying the manuals online of these tools and becoming an instant expert. It’s pretty crazy. Then we’re going to build our own AI workforce at the end uh which is again down the bottom here. That’s when we’re going to go over Hermes and custom agents, Grock agents, multi- aent orchestration, triggers, and verification. Now, I’ll share with you my um cuz I restarted my computer. They’re not open, but it’s good that I open them now. Um

    here is my Grock agent right now. Oh, here’s my design agent at the top here that I’ve been using. I said, “Hey, can you go ahead and actually um Whoops. Can you go ahead and and make a variation of this?” And it went ahead and created a couple of variations here

    um that I could use. I think they even look a lot better. Then here’s my CEO. My CEO I’ll ask at different jobs and then this agent will then will then create sub aents. Like these are all sub agents for my business. So you can see here CEO is the is the head of things. Then I’ve got um my traffic agent here. This this agent’s ready to go out for me and start to post my my different software solutions on pages pages like Future Tools, SASHub, Alternative to SAS City. It will go in, it’ll make it’ll make listings and it’ll add in screenshots of my software and add in reviews and launch announcements about them. So it’ll get traffic coming in that way. Um then uh product scout. This looks this is a radar agent that goes out and finds tools and idea suggestions that it thinks uh I might want to do. Side quest. This is a side agent that I have um which I’ve got running right now to like look at working on creating me an iPhone app. I’ve always wanted to create a video game. So it’s actually looking at different video game ideas right now. Um, competitive research bot automation, Anthony B. So, this is this is going to automate things in my business that it sees it can automate. Um,

    then I’ve got my marketing and my launch uh bot for when I do a a software launch. And then I’ve got a a land product pass. This is this is a subscription I got down here that I wanted AI I wanted an agent to see how it could best use the tools in that product pass. uh and and set them up together. The cool thing with all of these is in the top right corner, you see this little computer screen, each one of these agents has access to their own computer. So, if I click on this, it’ll pull up their actual uh computer that when they’re doing work, you’ll be able to see them doing it live literally as if they’re an they’re an a an actual um agent or like like an employee, I should say. See, look down the bottom here. I’ve got it’s oh whoopsies. We’ve got Chrome, we got their file manager and the terminal. They can do everything they need through those three areas. If I minimize that, let’s have a look at the CEO’s one. Let’s see what their background looks like.

    Same thing. any acu and teacher tasks up here if there individually specific ones. Let’s have a look at the head developers one again probably the same thing as well but they all will have their own uh VPS or virtual servers right so when they’re doing work it’ll work uh completely seamlessly and then I’ve got my Hermes agent that I’ve got set up currently through my telegram so I just I literally just text on on my app um what I want it to do and yeah so That’s this whole thing is going to be uh it’s it’s going to be like a couple of grand to be a part of. I’m letting everyone be a part of it uh when they get Billboard made if you get one of those final two spots. Uh on top of that, you also get Well, here’s what you get. You get access to Yeah. that course, my AI sales video training, which is again how I created sales videos just like that one. or if you’ve seen my perfection tool. Um, this is look, if you haven’t seen this video yet, um, you can watch this later on. Um, but I’ll show you. Let’s say claimation.

    Anyway, you get the idea, right? So, how I built uh these plus you’ll get free credit to actually build these on the actual software that I do and I actually build it inside of Claude. Um, which is pretty cool. I can actually even show you a quick example of one that I’ve been doing recently.

    Um, where are we here?

    See here, here’s for um my overlay, mate. I had it storyboard some different ideas and it’s been building this out directly for me. World where a billion videos get watched every single day. So, these are just examples that I have been building, but again, we’re going to go through how you can do that. So, by the end of the webinar, you’ll be building your own sales videos for your tools. Uh you’ll also be getting Where are we? Where are we here?

    Yeah, the AI agent setup which is going to be building their own agent team. So, we’re going to be doing that. These these two this to this actual webinar for the sales video training the AI agent and then the AI pass toolkit which again um I’ll share with you where I’ve got it here somewhere the example. So I shared this the other day

    tools anymore. You don’t need them, right? So normally like Apollo is a big research tool for contacts and work emails. You don’t need this anymore. um you can actually um just use the the API for this tool which again is a simple connection from Claude that will then you’ll get just charged per what you use inside of this tool. So you might only need it for one search or you say you need need to do something but Claude can’t do it or Chad GBT can’t do it directly but there’s a third party tool that can instead of needing to actually buy that third party tool, you can just pay and and um get access to using the full features of that tool without needing a monthly subscription. Uh, now this will be for over 3,000 different tools and you just pay per lookup, not per month and you never need to sign up with any of them. It’s kind it’s it’s it’s like the same thing as open router is for AI models. Open router, we’ve talked about this before. This allows you to use any any AI model from Claude, Chat GPT, Grock, any of them, even all the free ones, all the value ones. Like they’re all in here. You can use any of these without needing a subscription to any of them and you just pay for what you use. Now, there obviously becomes a time where having a subscription is better value than paying for what you use. Um, that’s why for me with like cuz with Claude, you get like like I showed you before, I think it was like for every $4 spent, you get $20 worth of tokens. If you if you didn’t have the subscription, you’d be paying $20 for $20 worth of tokens. So, it’s four times better value getting the actual subscription with Claude. And if you’re using those tokens, then yes. But if it’s only the odd thing you need it for, then having a full subscription is not worth it. Perfect example is um the video uh sales video training. I paid $1,300 for the year for the for the actual um software. um access to do that. Uh and then I still have to use tokens inside of it. Now you don’t even need the subscription. You can just pay for what you use, which is much better than having to commit to a whole year um subscription. Um now the best part about it too is if you ask AI something like, “Oh, what is it? Um what’s um I want to do this.” And even if you don’t know what what the tool is, um that that can do that thing that you’re asking it to do, uh AI will go through those 3,000 tools and make and if when it finds the one that it can that can do it, it’ll tell you, hey, we want to use this tool that can do this task cuz we can’t do it directly. It’ll cost this many cents. Are you okay with it? And if you say yes, we’ll go ahead and do it. Simple as that. So, those three are going to be on tomorrow’s bonus webinar, right? Tomorrow’s bonus webinar. Now, the biggest uh bonus on this, right, is what what I’m doing on on Billboard, mate. Um, if you came to the website, which I I don’t suggest doing just yet, but if you come down, it takes you through everything, how to use it and whatnot. Um, if you get Bill Mate today, it’s normally 1,500 bucks

    using the coupon code billboard five for the five people.

    But the biggest value one is that I’m giving you guys a $997 coupon which which basically investment then becomes $997. Um there’s a PayPal option to pay in four as well. Um and I also created a split pay option um for those on the replay too. But um 997 and then you get a $997 coupon to use on any of my other tools. Here’s some of ones that I said you can use it on like perfection stepmate overlay mate advert mate talkmate URL fam the agent suite uh suit agent 72 and there’s many more which I’m going to be sharing as well but uh or you can keep it for for the future but basically this the 997 you invest you instantly get it back in a coupon that you can then apply to any of these uh you can even use multip you can use this coupon on multiple tools if it adds up to that Right. So, um that comes with this too, but I want to give you guys the replay page for that. Um because I did I was going to close that off for today. Um but I’m just going to leave it open for those that want to check it out further. And then what we’ll do here in a second, we’ll build a billboard in Billboard mate. One second here.

    Cool. All right.

    Now, let me go ahead and I’ll share this over here in the chat. Um,

    also that’s that’s um good. If you can go ahead um can you message me on WhatsApp right now? I’ve um cuz two cuz some of those bonuses I also gave away in Neil’s promo from last week. I’ve asked everyone message me on WhatsApp um for those and I’ve sent you guys through the links for the webinars which are tomorrow as well. Um I’ll send the replay out to everyone as well. Um but uh if you message me on WhatsApp right now again for Neil’s promo

    61

    that will then uh add me WhatsApp for Neil’s

    bonuses. I’ll also go ahead and send everyone that was a buyer of that um an email today. Uh I got the list off Neil last night, so I’ll get you added into those uh if you have not got access already.

    And awesome Joller, I appreciate you my friend. Um

    um awesome Joe. I love that. Joe goes, “I’ve been pitching a physical billboard accident attorney. I think this would um be a big help.” Yeah. And you can use this on clients as well. The cool thing is when you build your billboards, you literally can then just go over here on the right. So we see where it says partner or affiliate version. You can then make access for your partner. So they get access to this one board. Let’s even make one right now. Let’s make a new board. We call this one webinar replay. Um and where should we send people? I’m going to just send people right now to we’ll send people to Where’s this replay link? I sent it in the chat, didn’t I? Did I? Yeah. We’ll send people to this link here to the replay for now.

    Example, create the board. So, there’s no banner in here yet. We’re going to make a banner. We’ll call this one um Whoops.

    Um,

    and you can change where I want it to look like. But let’s say I’ll leave it at that email or blog banner email footer, but let’s just go here. We’ll leave we’ll leave all the colors. Let’s see. Or let’s change the color. Let’s go to a green maybe. Or let’s do a

    Cool.

    Let’s go save and make it live.

    So, this is up and running. And now all I need to do is take this and over here on the right where it says for emails, I just need to copy and paste that into the email section or onto my website or onto a blog post or onto um anywhere really at all that you can post or share something. The cool thing is as well is you can share a QR code, but the cool thing is that QR code you can then change forever. So this specific QR code, I can download the images wherever I paste this or post this in future. uh it will always share whatever link I’ve got over here. So say um it’s on a physical business card and I print this out a thousand times. I’m not then stuck to what to one link with most QR codes. Uh you’re stuck with whatever you’ve made that to. Now you can change that link here uh to be for something else. Now that’s the replay being uh live. Now, what I might want to do is a um let’s make another banner saying register for

    Wednesday’s webinar

    free. No catch. Pure value training

    or even I can just go webinar.

    Wednesday’s

    Wednesday

    webinar.

    Um, click here to register now. 100% free

    for my students only. Oh, wait. What? I just clicked out of it again. I’m so silly.

    I need to figure out how I can stop that happening. Um, webinar Wednesday.

    register here

    for for your pure value training.

    Sun up here. Make that color a bit more yellow again.

    And what I’m going to do, I’m going to go save and make it live or just save to the library.

    So now

    I’ve got this one. And what I’ll do is I’ll paste these

    in. So what you’ll see in the in the next in the next um email that I send out, what I’ll do is I’ll put one of these in at the bottom or somewhere in the actual session. And then um what I’ll do is I’ll show I’ll show you an example of if you open it tomorrow and it’s uh it’ll be set as the webinar for Wednesday for next week. Then if you don’t open it though until after next week um it’ll change to this session. It’ll say your replay is live, right? Or what I might even do with today’s replay, I’ll have it go out and I’ll put this banner here and it’ll say your replay is live. But if you for whatever reason then didn’t open the the actual email till next week, um it’ll then change to the other other one here for the webinar Wednesday when it’s closer to Wednesday next week. Basically, it means you can still use the power of your emails, but not just your emails, literally anywhere. It can be your bio link in your social media. It means you can actually manage and track and um and use all all the links you’ve ever posted. If you’ve got at least one Billboard made link on there, it means you can use those pages as an asset to your business forever ongoing. Right now, the cool thing is there’s a few other ways banners we can make here. You can make a countdown banner which again gives you an actual count um actual countdown date and time and everything. So say if I went from let’s say

    here um right let me go sorry 9 to the 10th That’s

    and then I can change the words. But then what it’ll do when I hit live, it’ll have a countdown. See up the top here? See, it says clos in 36 days, right? And then after that countdown has come down, uh, I can then have it. It’ll say you’ve missed this. So up here closes in X amount of time. So today’s, uh, Billboard mate, that’s going to actually close in a couple of days from now. Let’s say, where are we today? Um, October 24th, September. Where are we? September.

    So let’s say in how many days? 3 days. Um,

    and

    price will go up when the price hits zero is what I got set to. Um, spot access only

    closes. Never get one time access again.

    All is removed.

    Now, I need to figure I need to make this a bit smaller here, which I’ll get sorted um after this. You can see there’s a little bug happening there. So, I’m just going to screenshot that, but I’ll get that fixed. Um I’ll say get and so I’ll do that afterwards. Now over here on the left you can see there’s also the ability to have uh a carousel. So I can actually create a carousel with my pre-existing banners and then I can embed this in individual carousel that which shares multiple links to different actual locations. So now my footer can now take one link and now turn it into three different things. And that means I can increase the number of potential clicks that that email gets if they are not interested what’s in the core email itself. Now I always say don’t overpop populate. They always have every email about one specific topic, one clear goal, but um there will be times where it’s just a pure value email, but and then having something in your footer of free value. Um, that’s where something like this would be great or in a clickable link in your bio on social media or or anything like that or in a URL fam site. I know many of you have my tool URL fam. Um, you can embed these instantly. Again, for emails um, and you can see there’s a moving carousel and there’s also side by side that you can choose. So, it’s carousel and columns. Uh, I need to get a column visual um set up a bit better here. Um, but yeah, and then one of the coolest one is is the new takeover feature that I’ve added, which means every prior board that no matter where you place it, say I have a big launch or something coming up, I want to do a takeover. That means I’m going clicking on takeover, it’ll change every board that I’ve got anywhere. And I can actually select the boards that I want if I don’t want to do every single one. Say I want to do all of them besides one or two. Boom. Select where they go. And then um

    and then I’ve got full access to that um here. and wherever that is, it will then actively um allow me to release that. Right? So, um for a big launch, I can use every link that I’ve ever posted ever in the past, every email that I’ve sent that uh because emails still get open weeks to even months after someone sent them. Um and usually they’re obsolete and useless after after a certain date or period, right? because a sale’s finished or a promotion’s done or whatever it is. This is a way you can keep people up to date so they don’t miss out on going. Now, you get the entire funnel. You get no restrictions, full access um in this and you then get all of the bonuses and you then also get uh so including the so the entire investment of it uh after you use the code billboard 5 at JA which I think I’ve auto applied it now it’ll take it from 1,500 bucks down to 997. You then, as soon as you pick it up, you then message me on WhatsApp via this number here. You can then get access to any of the other tools that I have or you can keep the coupon in for in future, but it’s 97 coupon. So, what you’ve just invested, you get back instantly as a coupon, get access to my multi,000 AI workforce masterass coming up next month. uh you get access to the sales video training uh AI agent setup and AI day pass toolkit which are all this week on tomorrow’s webinar and I’ll send the replay out as well. Um and all you need to do is either go to billboard.com and enter that uh coupon there at the buy button. But if you want the split pay option, there’s two ways you can do it. If you come here, not here, sorry, let me just find the link here. You can come down and then there’s the 997 option or the split into three. What you’ll find though for many of you if you go 997 if you go here it’ll come up.

    So see it hasn’t auto applied it yet. So you’ll need to type in billboard five. Hit apply. Takes the $500 off. But see over here it says pay in four with PayPal. For many of you you’ll have this option. So that’ll bring it down to 250 bucks and you can just pay the rest on on going through PayPal’s paying forward. There’s no interest or anything with it. It’s just done. Alternatively, if that’s not there for you, you can come back and you can actually then use

    the three pay option here, which again is 397 today, 397 a month from now, and then a month after that. There’s only three two spots left actually. Wait, no. Three three or five spots left. So, there’s three or five left. Um I was only only going to do five spots for it because the whole thing with this guys that I want as well is I want to get access um to I want you guys to be cool with sharing your results with me. You don’t need to share the sites. I just want to share share the actual increase in traffic that you get as sales proof. And I want to know what your actual um use is like and and any features you might want included. I want to see and understand uh what things you want added and I want to add them before I then launch this as a launch. I was mentioning on the webinar the other day for everyone else when I launch this this has to be a recurring product because every single time a billboard is shown to a customer that’s a request from my servers and it costs me money. So, say someone has an email list. Say they’re like me. If I send an email out, if I send send it to 50,000 people, if 10,000 people open it, that email, that’s 10,000 requests to my servers that that my servers have to deliver that billboard. If they send an email a day over a week, that could be if they if there’s 10,000 people a day on average that open that one person’s email, that’s like 70,000 calls that I’m paying for for that one person. Now, if you have a hundred of those people and a thousand customers, it starts to cost money. Um, so I have to do recurring for everyone else. Uh, anyone that gets this here though is not going to get recurring. It’s a single single um like one-time deal. You’re not restricted in any way. Unlimited boards, unlimited everything. And I’ll cover the cost through the recurring once this gets launched and my other tools can too. So, um, yeah, really cool opportunity. Up to you. I’ll put the link in the chat one more time. Um, and what I’ll even do is I’ll make the link in a minute. Um, this is what the actual link is if you want to copy that, but I’ll make it lukeworld.com/buildboard.

    Mate, um, which will then access this above link. It’s not that it’s not live just yet. Um, I’ll make that live here in a minute for you guy, guys and girls. But yeah, all right guys, in saying that, I hope you guys enjoyed today’s training. Let me know, is there any questions you’ve got so far um that you have from today that you might want to know. What I’ll do is I’ll share this document here as well. Um, if you guys wanted it at all, please let me know if you got any questions.

    Okay, cool. Joel, Joel, I’ll do that right now. The offer bump for one for 120. Can you shoot me your email if you got it here, Joel? And I’ll get I’ll get you the um I’ll get the link for you for that. Um otherwise, I’ll find it in WhatsApp. But if you can shoot me your email here where you emailed him from, um awesome. I’ll do it right now. Oh, cool. Yeah. Yeah. Yeah. Sorry, Joel. Um, I didn’t realize it was you. Some sometimes I know your emails better than you than your names in here or I know a lot of Joles, but then um that’s the only one that I know.

    Um, also if you picked up Neil’s offer, please reach out to me too, guys. I want to make sure you guys get set up and get in. Um, let me just go ahead and make this second link live. plugins. Um, we’re here. Pretty l

    URL. Oh, not that one.

    Where are we?

    Okay, now hopefully

    hopefully hopefully

    all right mate VIP.

    All right. Luke.com VIP. Let’s see if that Okay, cool. That works now. Um, in saying that, guys, appreciate you all.

    Any more questions, let me know. Otherwise, I’ll finish it for today. And look, still been over an hour, but still less than an hour, 2 hours. So, what’s been maybe an hour and a half?

    And yeah, Joel, I I’ll probably I will do a webinar with um with with um them. I’ll get that sorted. I can definitely get that sorted. Appreciate you, mate. Ken, you’re an absolute legend, too, my friend. Appreciate you as well. Hope you enjoyed this Opus training. Anything else you guys need? Again, just WhatsApp me. I’m here for you all as always. Um, please, if I haven’t responded within a day or so, if that ever happens, just reping me. I apologize. Sometimes my messages get full. I’m also a dad to a young boy on school holidays, which you can, if anyone has kids, knows what that can be like. Um, but yeah, you guys all rock. I really appreciate your time. Oh my gosh, I’ve got all of I got all my toothpaste in my beard. How weird. All right, guys. You’re the best. I’ll speak to you soon and I’ll get this replay out play out ASAP. And I’m looking forward to everyone on the bonuses tomorrow. Um, bonus trainings tomorrow for these. Um, that’ll be a lot of fun. Cool. Thanks, guys. See you soon. Bye.

  • 09/21/2026 – Top 1% ONLY Secret Session – How to use any AI tool without a subscription & The SECRET tool I’ve been working on

    What is happening everyone? It is Luke here. Hopefully you can hear me. Okay, let me know in the chat. I’ll turn my camera on real quick. I’ll pull this over here. And what I should be able to do then is pause this screen and I can change this over. What’s up, guys? Hello. Hello. Hello. Um, I’ll change this over to

    Okay,

    let me see if this

    Awesome. Cool. Okay, cool. All right, you can see my screen. That’s a lot going on. Let me just put it here for a minute. What is up, everyone? Good to see you here today. This is literally my top not even 1% probably 0.1% um audience on today’s session which I am so impressed with everyone that was able to jump on today uh with such little notice um which and now due to less people being on here than I thought might be not not by much only by 20 or 30 um it means I’m going to go bigger for everyone here cuz it means less people will be on today’s session and less people will watch the 24hour replay that I’ll have live if I end up even setting that out depending on how uh things go today. So, first of all, thank you for being here. If you’re here right now, say hello in the chat. Give it a thumbs up. Hey, Aqua, how are you? Uh Steven, good to see you, my friend. Good. Good to see you as well, my friend. I appreciate you. No, so is it. Um August, how are you, August? Good to see you. Adam, Paul, Diane, Ross, Stanley, good to see you all here today. Um, awesome, awesome, awesome. And uh, great. Appreciate you guys doing the thumbs up here. Fred, good to see you, my friend. Um, awesome. You guys are the best. Um, so today, I’m not going to uh this is isn’t going to be like a multiple hour session, so you can first of all, even though I know some of you don’t mind that, uh, I do know that can be a bit full on at times. Trust me, I never planned it to be like that. Um I I think I and you know I’ve I’ve had AI go back in and analyze um a lot of the sessions recently and just to tell me why are they so long when I don’t feel like I’ve talked up for that long. It’s a lot of it is actually me just answering questions at the end um or me hanging around sharing different examples of things but the the the the core bulk of it is in a a much smaller period. And what I might even do in future sessions is um see if I can have AI cut the bulk out, cut any question and answer parts out and then just combine that at the end um with overlays with what the question is and then the answer and see if I can make it a bit more of a production replay for you guys. But um and I’ll even show you how today how uh we can do this um even if you like because right now we are at a wildly interesting time uh in this AI space. You I don’t know if you guys have noticed since using Fable 5.1 or using the new chat GPT um that things aren’t the same, right? things aren’t the same as what they were

    and they’re just not the same as what they were a like even like a model ago.

    So in the older models compared to now it seems I I’ve definitely noticed it. It depends on how much you would have been using these tools if you noticed it at all. Uh but it’s like then like they’ve definitely got smarter. What you have to do yourself is definitely becoming less and less and less to get an outcome. Um and the more you the more you ask questions and the more you ask AI tools what it feels, you often are getting a much better end result. Now, the reason for this and the reason for so many updates from all of these different tools is it’s again it’s the race to AGI. Some believe that chat GPT6 is the first real marker

    of AGI. This stands for um artificial

    general intelligence. And what this means is this is the point where um OGI is the point where AI is essentially as smart and capable if not more smart or smarter uh

    and more capable.

    than humans, right? And this is where every AI company is racing to get to uh as quick as humanly possible, right? Um and who can who can tell me why who can tell me why this is such an important milestone for a company? Because it’s really crazy. It’s actually quite insane like how fast this has come on and how quickly these tools are getting better and better and better. Um, Aqua says money which is essentially really the root of it all to be honest, right? So definitely definitely winner there. Um, status above the rest. Steven says look that’s part of it too, but it’s money. But why why is AGI why is it a race? Why does the first person that gets there, why is that so important? Who can tell me? And I’ll tell you in a second otherwise cuz I don’t expect you. I don’t expect anyone to know. Um, but I’ll just tell you guys, um, that the reason for this is when we have an AI that is smarter or more capable than humans, that is when

    uh, companies start to hire AI tools, bots, um, humanoids, um, u software where AI agents instead of paying humans, right? Isn’t this is when companies start to hire because because it makes more it makes no sense to hire humans anymore at this point, right? Um,

    sorry, one second. Uh, got to get my son tomorrow. Okay, one second. Um cool. Uh we have yeah instead of paying uh payments. So this means

    that um we are going to Yeah. So it will cost substantially less like 100x less than minimum wage for a employee that can work 24/7. Never needs a break.

    Never needs holidays. mental health days,

    any sort of day

    and it will only get smarter

    and better, right? So when when and then when AGI hits as well, taking AGI and putting it into actual hardware means things like like a humanoid robot can clean dishes better than humans. It can play basketball better than humans. Um, and actually, let me just, um, see if I can find this over here in this other tab for you for you guys right now. Um

    um I don’t know if you guys that saw in the past couple of days um that they’re now doing um humanoid robot fights and cage fights in China right now. They look they’re pretty ridiculous. Let me see if I can show this here.

    which is pretty ridiculous. They got walkouts and everything. This one here is like the main company. It’s called like a T700 or something which is very Terminator like but look at they can get back up.

    So they’re still a bit clunky, right? But they’re still

    pretty crazy what they can do. Now, on a side note, in terms, you know, this is all all about I always try to think of all the different ways you can make money. Um, these the Oh, the actually before I get into that, this this lady saying um outside a few years ago, these robots have really gotten so much better. So they this has obviously been going on for years in in China AI um uh robot fights which is crazy. Um but quick quickly here have a look at their shoulders. Have a look at their knees. Any of their joints that they have in their elbows. Apparently these are the most expensive parts right of building these AI um robots in terms of hardware and the technology and like the six gear. I think it’s like a six gear movement or something, right? Um I’ll find the name what it is later on when I send it in the email. But basically, I was watching this guy. He when he started investing in um the actual companies that that are actually responsible for the for the key parts in making this actual shoulder movement part that gives it the human um human movement type, right? So the motor inside of it apparently there’s two main parts. There’s the motor and then there’s all the pieces around it that make it up and he started investing in the companies that actually are responsible for that and the his returns he’s got in the past month are insane. So keeping you like even having just your thoughts on like okay what else could be coming that um that might need a like might be like gamechanging for humans. What key areas and key parts even even probably investing in this exact model that this guy’s done is probably a smart idea uh long term when these things start getting pumped out like crazy. um if the companies that are at the forefront of the space now um are still are still at the front of it in future and guys don’t if you’ve seen Nvidia is now the most expensive or the is the most pro um the most is the number one uh highest valued company in the world. So Nvidia beats Apple and Microsoft. Now, if you guys don’t know what Nvidia is, uh Nvidia is um look at this. It’s the first publicly traded company to touch $4 trillion market value. Here you go.

    Now, Nvidia is responsible for the chips, the AI chips inside of these huge data centers, right? And um in May 2023 it hit1 trillion. In 3 years it’s now at $4 trillion valuation. And it’s something crazy like look how let me let me show you this. How many people at Nvidia are millionaires?

    It’s estimated more 27,000 or more Nvidia employees are now millionaires. Roughly 76 to 78% of Nvidia’s workforce have become millionaires. Um nearly 50% of employees report a net worth exceeding 25 million. right now. The way they’ve done that is they’ve given them um obviously shares in the company or some sort at the start of their employment. But um you know what a smart in cool way to make everyone want to be like working together to get the best outcomes um possible, right? So um yeah, pretty crazy. So um but the reason why it’s so it’s so they’ve blown up so big is because let’s have a look at chat GPT uh data center is because the way these AI tools get to AGI as fast as possible is by building these gigantic gigantic data centers like this um that are just full of computers. computers um and Nvidia chips essentially Nvidia chips uh and the more and more computing power you add on to the actual different AI models like chat GPT claude etc. Um, and there’s two. Let’s see what um Elon’s Elon’s got one of the biggest ones.

    Um,

    but look how crazy this is inside of these places. It’s just like another world of computing. Um, look at this. AI is investing 659 million into a new Memphis data center. And again, this would just be 100% computing inside of these places. They make it look all pretty, but it’s definitely not it’s not like the nicest way thing how this is all working, right? But the the big the big thing with all of this is is that um yeah, the more compute you add onto these data centers gives means the more and more um uh means the more it can do and the faster it will get to a level that’s considered AGI. It’s just a matter of time and it’s going to happen and everyone’s racing to get there first because the first person to do this

    then has essentially ultimate power. Probably the most powerful position anyone’s ever been in in the entire history of the earth really. I know it’s a big call to make, but when you have the tech that you own and you run and you’re literally can change how everyone does everything, you can change people’s employment because you’ve got something that does it better. Like just think about what that is worth. And then to companies with the trillions of dollars, it will save companies uh from having to employ people. It doesn’t show the flip side of it, right, of like, okay, well now, like, how do we then take all these people that need jobs, what do they do then do now? Um, and on top of that as well, the absolutely disgustingly huge costs that these data centers you cost to run. And even just the amount of water, like some of these cities around these data centers, like they’re they’re they’re actually running out of water in the homes around them because these data centers use so much water to cool all of the computers and they’re cuz they’re all water cooled. It all cools the temperature of them down through these water systems and they pump so much water through them. So yeah, and but the thing is it’s it’s a race, right? And it means that whoever’s there first is going to essentially have the power that all the other companies when they catch up then there’ll be different options and whatnot but whoever’s there first is going to have that you know initial just next level position and it’s important as well because it’s not just a a race with countries with just in in a country right it’s not just America doing this there’s other countries China being a major one that is also trying to get to AGI first, right? Uh, in a lot of ways, China is is far more advanced in some ways in with AI and um, but when it comes to AGI, I’m not sure where they’re at right now to be honest. I don’t think anyone knows exactly but uh we have seen in the past how deepseek which is China’s company AI one of their main AI companies has came out and blew the minds of everyone at chat GPT and cord and other other places here and then we’ve jumped jumped uh a lot farther forward since seeing how far they’ve been they were ahead in some ways then. So, um, we’re at this point now, which is super interesting. And we’re, and like I said, I mentioned with the last last model that’s come out, we’re at a point now, which is just so cool that things are changing with how we use AI now. And um I noticed it myself and I and I’m going to share this with you here cuz this this is not something that you guys are going to do we’re going to do today or anything, but it’s something that you know what, like just because I said I do some more things for you guys today. Um I’ll show you guys how you can get this actually for free. Um just cuz you’re in this top 0.01% audience. But I want to um I just, you know, I I’ll it was something I was going to like just tease you guys with and then in a few weeks when I open the doors for it, see if you guys wanted to be a part of it. But you know what? If you’re here, I’m going to let you guys be a part of this. If you do one thing for me today on today’s session, um let me see if I can find where I’ve put it. Um here. So, something I’m going to be doing in the coming weeks, guys, is because of this change in how AI’s been going, you know, I’ve been trying to do my weekly webinars and I’m looking at the different things that have coming out and tools that are different, things that are different that are happening um and trying to just continuously do webinar week by week um on a specific topic um or a new release from an AI company or something like that. But I’ve found that for myself, the entire way I use my AI tools is different now. I don’t need to create these giant markdown files anymore or these different rule files to give my AI specific rules and specific terms and and specific ways to schedule things and to use different plugins and different third party um like get um GitHub um repos that I bring into like there’s so many things I I don’t do anymore uh because I don’t need to Um because AI has got smart enough that it can just literally understand things even simp even the simplest of things like uh for example the way I had things set up it meant that every time I build something ever it would build it from complete scratch and after speaking with my AI recently I said how can we improve how we do things and it came back to me with a bunch of cool recommendations like hey like why don’t we just make like a like almost like a like a shelf system where we we go back through the past 20 products you’ve built. And anything that you’ve built more than once, we’ll we’ll we’ll make a copy of it and we’ll put it on the shelf. So in future whenever you need to build a login page or a um or a um a security um like like the security levels of any software um before I launch it. Let’s have those elements already pre-built so we can just slot them in and then code them in versus coding the entire thing from scratch. Um and I found this this was a big big help with my login portals, right? because I used to have three or four different login ways that people would have to log into my tools and it was frustrating that uh Claude would build it that way and then it realized that so it’s fixed that now right so um now that’s just with uh Claude for example example now we’ve got things like computer use which I’ll share with you today I I could say um like I can have Claude take over my computer and run specific tasks asks for me. Um, and like like let me show you this. I’ll be like, um, he’ll open a new Claude. Can you see this here? You can’t see this right now. I’ll show it to you. I’ll share it in a minute. Um, but basically I could have Claude go out and come to this website here and I could have an analyze this entire page and and then create a PDF document after literally pulling up this actual browser uh live where you you can see it doing it. You can see its cursor, what it selects, anything like that. Now, I could have it do that, but I can have it go into I could say, “Hey, can you open up Canva?” And it would go to canva.com. It would then log in to Canva via my Gmail, right? It would quickly it would do all of this for me

    and then it would be able to use Canva as if it were me right in front of me in this browser here with computer use. That’s something that was never been you could never do before. I do have to use different tools like um like Hermes bot or things like that to use things outside of claude directly itself. Now um with chat GPT totally uh similar experience where it has got to a level that is just so crazy but the way you use chat DPT is so different. I don’t I don’t know if you guys have seen this yet. Let me actually even try to show you it now. Um

    share.

    Yeah.

    So at the top here, see I’ve got I’ve got this I built this before out, right? We got chat GBT and at the top if I go to a new chat. The way this works now is we’ve got the different levels of how of of the of chat GBT6 that I’m using right now. We’ve got things like our our voice chat which is just wild how fast and accurate it is to use voice chat right now. But at the top here we got chat and we have work chat and work. Then we also have over here on the left chat GBT. If I go down on chat GBT, I’ve got codeex. And with these three tools, um, it’s literally the biggest powerhouse of a software ever right now. More so than Claude Code, I would say, in terms of, uh, if you’re just getting started and you want to get a lot done quick with next to no learning curve, uh, this is where you want to be. Uh, but Claude I still love for so much. Um, which again I want to share with you how I use both and how I also have them both work together um to essentially be a shared um a shared system so each one knows exactly what I’m doing at all times so I can use them both to work on my projects. Um, but let me jump back over into um this example here. Let me turn my webcam off so you can see it a bit bigger too. Now the way I’m going to do this is over over like a five session um webinar master class right and again I’m going to share with you how you guys you guys can be a part of this for free because you’re on today’s session. Uh you I’m just get you to do one thing for me later on and I’ll make sure I get you access for this. A good a good way to see this see underneath um session one here the old manual way. The way you would use AI would be you you’d prompt something, you get an answer, you copy and paste different things that it would say and then you would go and do the work. Now, with a Gentic AI, you you define what you want the outcome to be. AI interviews you, AI plans it, AI uses its tools, it executes it, it checks the work, and then you approve it. And then it’s just a so much more hands-off system. Uh and the best thing as well is in the past you used to have to have specific uh um tools and specific repositories of different things for uh Claude to be able to do more things. Now you don’t it can literally go out and find the things that it needs, download them, and then give you um what it is you’re requesting uh all the time. So this is what we’re going to do. Session one is going to be called the AI reset. We’re going to go over through chatbt6 um and also called fable 5.1. The two biggest models right now. What’s new, what’s changed, what you don’t need to know do anymore, when to use chat versus work versus codeex and chat GPT, claude versus claude code u in terms of the latest additions of them. Um and then the best practices there. That’s session one. Session two, we’re going to build out your AI brain your context and your advantage. Getting things set up uh to give uh AI tools across the board, not just CL, not just HBT, but any of your actual tools that you might be using now or in the future. Um we’re going to go over that. Then we’re going to go into session three, which is going to be u from prompting to delegating. Now, this is something massive that I’ve been doing recently, which has helped me just exponentially increase the amount of work my AI tools are doing for me daily and how I can have work getting done every single day, even if I haven’t haven’t prompted it every day to do something. Now, what I mean by that, let me even just share my full screen here.

    So, while I have my AI tools that that have been working overnight down here, for example, I have where are we? Look at this. all of this is my me inside of one of my other tools here that I’ve got my C CEO agent. I’ve got um my site design and creative um agent which is now currently been redesigning my advert mate website. Right, I’ve um let me see if I’ve got a full vision of it here. Um I’ll download this. I’ll see if it’s actually downloaded it for me.

    I’ll say, “Can you get me a JPEG or PNG format of the full sales page?” Um, but then I’ve got my traffic bot. So, right now, look at this. This traffic uh agent here is asking me where do I want so I’ve asked it to um to go out and find some free traffic methods uh on where it can go out uh both paid and free that that you can go ahead and and advertise my actual offer on. So it’s gone out. It’s done the research. It says it’s found all my latest tools and it says first free stack I’d run which is going to cost no spend until I approve paid ads which is going to be on Reddit and niche forms. So it’ll go out to Reddit and niche forms and start posting about my actual software. Um directory and launch sites like product hunt alternative directories tools like X uh short demo clips. Um yeah, so it’ll go out and post short demos of the of the product uh product where people where people and audiences hang out SEO and comparison pages, advert made versus ad agency, stepmate versus vibe coding chaos, best video overlay tools. Uh it’ll start ranking for from you for that and then it’ll get affiliates too. And look at this, it’s got a plan of what it wants to do. Um so it’s gone out and done further research. the best free lanes which is these these Reddit threads so under marketing and AI indie hackers product hunt for maker posts pay-per-click and Facebook ads for helpful comments only. Um so day one it would run submitting it to future tools to SASHub to alternative to and SAS city. These would all be like websites like um that would be sharing all the up and cominging tools that would be coming for AI I imagine. Um let me see if the site wants to load for me a bit faster.

    So look at this top 20 AI tools that are coming out right now. and you see AI news of other tools. So it would go out to these different pages and literally start to um submit it to these different places um to get my my tools on different lists that people literally go in and look for all the time. Um

    so yeah, pretty cool. Now um back to this. So we so yeah we go into that into into delegating. So AI will then go out and do the work. So when I tell it to go to go and and start that it will start that right away. We’ll go instead into step four. Uh how we then take it from idea to done. And so this is this is again the the easiest way to get AI these tools to essentially take everything from a simple prompt and have a finished ready to go build at the end outcome. Basically this this new agentic way under underneath it. Uh and then uh step five is going to be our uh building your AI workforce. So what are AI agents and why do they matter? build a build a agents for specific roles kind of like you’ve seen how I’ve done here um in these different ones you can see I’ve got one here called product scout which goes out all the time looking for new potential product ideas uh side quest this is where I’m trying to build an an app on the side of a video game I shared that on the last session competitor research literally goes out and looks at my competitors and makes uh does a full breakdown of all free and and bring see I’ve got now it’s bringing me their different ads that these that the competitors are running right now. Um and you can see I’ve got a heaps of different one agents and I can make more and I can have AI tell me what agents I need. Now, that’s with um that’s with a with Grockbot there, but there’s uh there’s plenty of other AI agent tools that are out there like um like Meta just launched a brand new one which is going to be one that that I’ll probably showcase that most of you will want to use uh over what I just shared with you. And uh this way is if you’re a bit more into AI and you want and you want to have specific agents for specific tasks um which many of you will, but there’ll be some of you that just want one agent that can do essentially everything for you each day and you and it’s a you know if you’ve never used an AI agent like this before um then that will be a better way to get your to get started in the space right now. uh these bonus today session four and five were going to be an um an upsell to the rest of it. U but again I’ll share with you how to get access to everything in here um in today’s session as well. So that’s going to start probably start of next month. Um I haven’t even told anyone about it till you guys just now. So that’s the first thing I wanted to say. Uh it’ll be a really good refresher and again there’ll be replays and everything like that but it’ll be a way that in in one week I can get everyone updated to a place that that I feel that everyone needs to be. I know a lot of you might even been at this point uh already by and understand all of this but um I know a lot of people won’t. So, and this is this is just a really good way to, you know, cuz things move so fast, so many tools come out, so many webinars go by, and you just if you want to make sure you’re at the front of everything and being able to get the best results while doing the least amount of work, then this is something you want to want to be a part of. Um, give me a thumbs up if that’s something that you think you might want to join with me on. Um, whether it’s watching it live or in the replay, just give me a thumbs up in the chat over here. Um, just so I can see where you guys are at. Thank you guys. Awesome. Thanks Ralph Dina Stanley Good Aqua. Now what I’m going to do here as well is there was two things about today’s session that I was that I’m covering right I wanted to share with you first how um you don’t need to pay for so many softwares anymore. Um, and there’s two reasons for that. Like, well, yeah. So, if you have a subscription for tools and you want to use specific tools, uh, you don’t need to pay anymore. So, for all of them. So, in the past, right, like you guys would have seen me share Open Router, right? Open router is a tool. Let me sign um, let me see sign in. I discover the models here first.

    Now,

    what this does is essentially you can have access to any of the AI languages out there. Not just these top sticks, but literally however many hundred there there are right now. They might even be into the thousand right now. Um, let’s have a look at let’s go view more. And you see there’s top 25 here, but there’s a lot more than 25. But say if I was using say um where’s chat GPT here?

    Oh, that’s the best value. Um

    here fastest bottles. So say I want to use GPT GBT and then I wanted to um then switch to using Google Gemini but instead of having a subscription to Google Gemini which might cost me 30 bucks a month I only want to pay for what I used of that tool. I only need it for like a couple of things. That’s what Open Router does, right? It let you switch different models um because they’ve opened up access via their API for you to be to essentially pay via API. Um which is pretty cool right now. Um it what um

    one second here. Um what I’ve um what I I want to share with you today though is now this is with the AI models. What if you could do it with different actual software? Now, um you might not have realized this, but there’s many many AI tools that let you access their actual API of the the tool itself. So, look at this for example. Here is a tool called Higsfield. I use this to create uh any of my sales videos that I’ve been using that I’ve been doing recently. Um, and it’s essentially all all this is, by the way, is a um essentially a a repo of look at this. If I go into video, it has all the different video models. So, these different companies like Cance, let me even show share with you so you get a real good visual. Seance and um, Cling 3.0 And I

    so you can see here under video all these on the right SN cling 3.0 Gemini Flux Miniax one 3.0 know Grock imagine Sora 2 um which is open AI’s most vmost most advanced video model these are all third party tools

    um

    that

    um so look at um that allow you to take text and turn it into video. Now, if I go back, I don’t know if that’s the actual official Oh, it must be.

    All right, here you go. This is better. Yeah, that one looked a bit weird to me. Um,

    now this Yeah, look at this. Is all AI generated. All of this that you see here is AI generated video.

    which is crazy, right?

    And you see consistent characters.

    Now, if I went to buy pay for this,

    there’s probably probably uh uh video generator

    or here the similar one with um seed dance, right? This we saw here cost up up up to look at that 640 bucks for a million 100 million tokens which is tokens are just you know that’s the annoying thing and with each tool they have tokens but it doesn’t tell you there’s no like quantifiable like one tokens equals equals this amount for every tool, right? It’s quite frustrating to work out how much is an actual dollar. Um but you can see here how long how much video you roughly will get uh for that actual cost. But that’s and but they give you look at look at that for a 480p video which no one’s rendering videos that’s that’s taking their marketing seriously at 480p right 1080p is like bare minimum really where you should be doing it at right now. I could buy this here and then I’ve got 100 million tokens through this one plan. But I could use Higsfield and I can have the choice of whatever model that I want to use depending on what my job is that I’m trying to do. Not just for video but for audio um and for image generation as well. So you often see that what people do is they’ll create the imagery in here in Higsfield maybe or in um GBT image and they might might use chat GBT to build the image here. And look if I click on any of these like seed dance I can then go in here and then I can go upload an image or I can choose a preset. I can um again do it all directly inside of here. But um and then what I can also do is connect these via MCP which means essentially that that means I can go into chat GBT and say hey can you connect to Higsfield. So when when I’m in chat GBT I can say hey can you I use Higsfield and build me out a um a storyboard with images for a potential video that I want you to build out for a sales video. Let me even just share that with you right here. How I’ve done that. Um here, right, I was building out this it well, it gave me this storyboard of what it wanted to do for a sales video for overlay mate, right? And while the storyboard looks good, the video didn’t turn out very great to be honest. Um it looked a bit rough. And here’s another example that it did. Here’s another storyboard for a different version that it did. where it was like talking about how videos once someone watches a video they just walk off and they don’t buy anything and I can’t do anything as a video because I don’t have hands. I just play the video and that’s it until now. Now I can actually put email optins. I can put buy buttons inside of the video. I can give people um like when people go to exit a video, I can put a um a a discount code or a value ad in the video that pops up that stops people leaving and brings them back into the video. And here at the end, there’s an AI that looks at the views where people drop off at and then optimizes the video to keep people watching. Um this was this was a much better I’ll see if we can even share sh show you this here. Let me see if this works. You might not be able to hear it very well, but watched every single day. Not one of them lets you touch it.

    They watch, they leave, and your money walks out with them every single time. This year, your video gets hands. Meet Overlaymate, the first video that clicks back.

    Power one, the catch. It stops the video, takes the email, and lets them keep watching. The lead is yours before they bail. Power two, the portal. It sends them anywhere you point. Your site, your calendar, your affiliate link. One tap. Power three. The vault. For the first time ever, they pay inside the video. Cards, Apple Pay, Google Pay, no redirect. And there’s a sidekick in the building. An AI that studies every viewer for when you want it smarter by morning.

    Any video, YouTube, Vimeo, Luon. Paste the link. Drag on the weapons. Hit save. Live in under 10 minutes. 14-day refund. Double your money back if it isn’t live in 10. The only risk is not trying. overlaymate.com.

    All right. So, you can see that’s what it built with just literally one prompt and a storyboard. I asked to build me three storyboards and three different ideas. That’s what it created, right? Pretty cool, right? Give me a thumbs up if you thought that was pretty cool. I don’t know if you could hear that. Okay. But hopefully, um, yeah. Oh, cool. So, you could hear it. Okay. Yeah. Um, so that’s what it built. But the frustrating thing, and the reason I haven’t shared this tool with you guys in the past is because the pricing is just it’s so expensive. Right? I’m on on the right now on the I think I’m on this plan here, the $99 one, which by the way guys, if you do ever want to sign up to this again, I’m going to show you a better way than doing this right now. But if you do, and I’ll give you a special link that’ll get get it for you cheaper, but keep on saying no with every update upgrade they try to give you. So, if you kick get ultra and then they try to update you upgrade you instantly, say no. or even choose the plus model because whatever model you want to be on, if you choose the one below it, it’ll keep on trying to update you to the next one and they’ll first give you like 30% discount, then it’ll give you a 40% discount and they go all the way up to 60%. And that pisses me off because I hate that they if you say yes at 50%. I hate knowing that people that have said no, we don’t want that. Like the people that haven’t shown to be the best customers then get rewarded by a 60% off access, right? And I got done by that. I said yes to 50% off. Um because I didn’t realize that that was going to happen. And I And by the way, this is this is the annual cost, right? If I turn it to monthly, it’s now 120 month 200 bucks a month. And again, you might not need that many tokens, but I can tell you 1,200 tokens is about maybe four or five like videos a month of of like one minute sales videos, right? at the highest level. Um, you can always buy more tokens and whatnot, but it’s not it’s just not ideal. If you like if you’re doing one video or something like that, then sure. But again, if you only want if you only need this for one video, like signing up to a whole membership can be just frustrating as hell. But as I said before, there’s now like even if I wanted to use just say Cling AI, see it’s got the API option here. Let’s go to pricing. Um and with AI with um with wherever it says API, it means I can connect um Claude or Chacht directly to the API and then access the tool where I only pay for what I use. Exactly the same as Open Router. that must that will change models depending on what it is that I’m trying to do. Or if I wanted to use Gemini for something specific, then great. I could do that. I can have it change over and then it will only charge me for what I use um here right now using the API. Now, that means I don’t need to have a Gemini membership, a a Nvidia Neatron 3 membership, a GLM membership, you know, all of these different memberships that are here. I don’t need them. Now, that’s with the AI model. Now, we can do that with um uh Higsfield and and again, any tool really that’s out there, you should check if there is an actual a um API that you can connect to. So, and this is brand new by the way with Higfield. Now, the thing is when they what Higfield did the other day, it’s something pretty crazy, the founder of it, he released the API public. So, essentially what that is is he’s gone and built like a $4 billion company in two in 18 months he’s built this in and he’s now gone here is everything here is all everything that this tool uses to make this actual product, right? And again, this isn’t this product itself doesn’t create video itself to outside of um but what it does is it gives you access to all of these other models much cheaper than in some cases than if you sign up to them directly, which is just insane. They’ve obviously really good at at organizing deals and making deals. So, he’s made the entire tool public, which means two things. The first thing it means is you can actually now use if you want to if you wanted to create your own custom video software that was for a specific industry, right? Say you wanted to create a tool. I was thinking of this last night. So, I wanted to create a tool that would go out and find the most viral Tik Tok videos. And then I wanted the tool to be able to completely rebuild that viral video, but have it be made with different characters in a different location. So, I’m not doing I’m not copying the video in the sense of just re-uploading the same video and hoping it goes viral. I’m making my own version of it and I’m then going to post it and it should go viral again because it’s gone viral in the past in a different format with different characters and whatnot, right? So, if I wanted that ability to happen, I can now have that be built into my own software and it would use Higsfield and the API to actually do that inside of my software, but it won’t say Higsfield anywhere at all. Right? It’s how a lot of tools run. They’ll use API access from other tools inside of their products. For example, as well, I do it as well in Advert Mate, my Facebook, uh, Instagram, YouTube, Google Ads tool. Um, where it builds out where the AI will build out the actual sales copy and the headlines and stuff for the actual ads. Um, it does that using Chat GPT and their API. So, chat GPT works inside of my software, Advent, Mate. Um, but you don’t need you don’t need a chat GBT subscription to use my software because it pays it gets paid for via the API. Um, if that makes sense. Now, if I go Higsfield and this just came out, which is why I’m sharing this as well, Higsfield API.

    Um

    yeah, and what you can do here is you can sign up and you’ll get $15 free right now from them by signing up via um their Higsfield API. So, let me go ahead and let me actually see if I can find a better link for you guys

    here. send this in the chat.

    And there’s also it says it says create API API key get a 50% discount. You can watch how it works as well if you wanted to. But

    if I

    And you can see I did this other day. Now I got $15 on my API key here ready to go. Now it does say 50% off for 7 days. Now this is this is this is just smart wording. It’s not 50% off forever for these models cuz it’ll let you choose three different models. So you select three models and save up to 50%. That only select those when you’re ready to start actually creating video. And I don’t know if that’s going to be there forever or not, but um this it will give you 7 days from the day that you activate those three models to save 50%. So if you got a sales video or something that you might want to create, you can do it for half the cost on the models you want. You say select models and it’s ranked in pretty much the best order of the highest quality down and you can see what’s by cost really what what’s the best overall. Um, but again, see, it says top up to 200 bucks to get 7 days something or other. See, it doesn’t let you It doesn’t stay too long on either of these for you to see. Top up to $200 to get 7 days max discount and $1,000 to get 30 days max discount. See, you don’t need to be doing that um right now. But um

    yeah, you get the idea. So that’s something that’s worth doing. And then all you need to do is go and then it will actually help you connect it to your actual um to your actual GBTs. So you can you all you need to do is then go into here and say, “Hey, can you connect to

    connect to um his field API

    and then it’ll go ahead.

    So see I’ve already done it. So, but again, that’s all you need to do and it’ll and it will take you through the steps to actually do it right that simple. Now, what I’m I’ve shared the other day as well, let me actually go ahead and see if I can share it here somewhere. I mentioned I mentioned this in the last training with you guys that there’s a way that I’m going to be sharing um this week and I I did this as a bonus for Neil’s um promotion that I did last week uh that there’s a way that you can actually do this and have essentially the open router version like this but you you can connect essentially um to a to essentially um a tool day pass software like this where you just literally connect once and then you can have access to all of these tools just by connecting once to one master um connection and then as well that means uh you can ask your when once you’ve done that and you’ve connected that to your actual AI like cord or chat GPT if you ask it to do something that you don’t don’t actually have the ability to and JBT like, “Hey, can you go and and scrape 3,000 of my competitor Instagram um Instagram followers of my competitors and then uh search their images to see if they’re on LinkedIn?” Um, and if they are, can you grab their emails from LinkedIn for me and then draft a email campaign to them because I want to offer them 30% off um or a free haircut the next time they come in or whatever the whatever the deal is that you’re trying to actually do. Now, normally chat can’t just go and do that, but there’s third party tools that can. And you you don’t even need to know what those third party tools are when you’re connected to something like this. You can literally just um say that and then the tool day pass will be able to go out and choose the right tools for that. Tell you how much it’ll cost for that one action and then you’re good to go. Same here with Higsfield, right? I want to make that clear that when you’re when you’re connected to the API, you do not need a membership. This then just gives you direct access to all of their tools and it does so uh where you then only pay for what you use. So you don’t need to spend $60 a month or like I was doing like I’m doing $130 a month on a Higsfield membership when you might only need to to be generating $10 a month in video footage, right? So, I always recommend starting off at least using APIs where possible because you’ll um you don’t need a subscription to absolutely everything. Um and this will save you so much money doing it this way right out the gate. And then when I share with you guys this um the tool day pass, I think it’s on Thursday, um then I will go through that then. Now, I’m going to add this in for you guys as well with building your own AI workforce, this entire uh master class. And guys, this this is probably going to be like a 2 grand masterass to be a part of. Um, so you guys being in my top 0.1% year today and being able to get it literally um as like like a bonus doing bonus for doing something for me um that’ll help me out a lot um is a is a major major add-on here. And so I’ll get that. I’m going to throw that in here with this. Now, what I wanted to now share with you is something that I’ve been working on as well for quite some time. Uh, literally probably five or six months. And I just have it just the older AI tools just haven’t been able to build it out in the way that I wanted it to, right? I wanted to build something. Let me have a sip of my drink and I’ll turn my camera on because I thought this would be just such a cool concept.

    And this is a good example of how of where AI has got to now that literally like a month or two ago it could not do what I’m about to share with you as quick as it’s done it. Um and let me let me share it this way. Right? So for me, every time I do anything, right, and same, this would be the same for you guys. Anytime you put marketing or put effort into your marketing,

    it’s usually for an end goal, right? It has an end goal, which is usually a launch or a um release or a trying to get traffic goal, right? So, once you’ve built your product, you’re now just trying to get traffic. And it doesn’t matter if you’re building a website um or if you’re doing an email campaign, website. Email campaign. social media posting

    um even if it’s traditional media like print media like anything and everything that you that you’re doing is it has a goal to bring back sales to what it is you originally doing, right? Um but eventually once you’ve done once you’ve done that actual marketing campaign, right? or done that uh social media post or that blog post or that website that you’ve created that you’re now running ads to. Um and that that then that when that that social media ad goes to an actual landing page of some sort, once you’ve once you’ve completed that, those assets now are obsolete. A a perfect example of this or like they’re just dead. They’re just dead, right? Basically now for example at the start of this webinar I sent out an email saying we are live right just like I sent emails out telling you about this webinar from now on that actual email all those emails the three emails I sent are now useless. However, there’s still going to be hundreds, if not thousands of people that are going to open those emails now, and they’re going to realize they’ve missed what they’ve done. They’re going to re they they’re going to even see that like, oh, well, that this is wasted my time even opening this. And there’s no way I can take that email back, right? But what if there was a way I could change a core part of that email,

    a core part of that email or that blog post or that sales site um or that you know launch page that um or even if a launch is closed, right? It’s like how do I then still like anything that you build is still going to get traffic uh down like com down the track, right? Anything you build will continue to get traffic. Every time you send a new email out to an email list, that’s still going to get traffic from days if not weeks and sometimes a year later. Some sometimes people open an email for something, right? It’s crazy. But people do. people people go on holidays, people forget uh to check things. People do continuously follow up on different things. People will still find your your blog post in Google that you’ve done on your website. Um and your your website even just by having a website live having a website live you will get traffic no matter what you it will be impossible for you to be having a website live that does not get traffic from somewhere even if you do not do any type of advertising it just will get ranked in Google in certain keywords and people will find your sites no matter what. Uh it’s just the way just the way it works. Now, what if there’s a way that you could change a part of that so that it is always relevant to what you’re doing now? What if I could make my site old emails that that have been sent already sent? Um,

    what if I can make um blog posts, um, apps, app pages, literally anywhere you can put content on. um always being relevant and always being a driving force to what um you’re selling now, right? Who would like would you be interested to see how to do that? Because this is something that’s never been done before, ever. And the compounding effect of this is huge. What if I could literally take the past they let’s say pass 100 emails that have gone out to hundreds of thousands of people and if anyone clicked on any of those even the ones today that that about today’s webinar and that the one that says we’re live now what if I could change that email to now say instead of saying we are live now that if they open it it says you’ve missed the webinar but here is the replay that’s turns a dead completely dead email into something that’s completely relevant to what they’re after that they they might have wanted to attend, they missed it. They can instantly go, “Okay, but I can watch the webinar here.” But I do this after I’ve sent the actual email, right? Give me a thumbs up if that’s something you would like to see how to do because I’ll share that with you now. It’s literally been something that we’ve I’ve finally built out and I cannot believe uh it works so well. Cool. Let me even actually, you know, let me show you this actually right now. Let me go ahead. I’m going to pause this real quick. I’m going to share with you. And I So, I had this created and I had to build an actual like basic sales page. I’m not selling it to you guys for like the actual launch of this or anything. I’m what I’m doing. I’m just going to share with you what I’ve been able to build literally overnight in terms of delivering like a front to this product. Um, but let me go here.

    Actually, let me actually share this with you first.

    I’m going to share with you the video that I made inside of um inside of Higsfield first and

    let me go share something else window. I’m just going to mute my microphone for a second and hopefully this won’t be too loud for you guys, but I’ll share the I’ll share this with the audio.

    Uh, turn my mic off.

    Every blog post you ever wrote, every page, every link in every bio, they’re all still out there, still being seen. Most are advertising something that ended years ago. What if every one of them was a billboard you still controlled? That’s billboard, mate. Paste one snippet once, then change what it shows and where it sends people from one dashboard forever. Wherever you can put a banner, it works. Your email footer, your homepage, inside a blog post, your social bio, any clickable link. Launch week. One switch puts your launch on every board you own. cart closes, they flip back by themselves. 40 old reviews pointing at a dead product. Change one link. Every post now sells what you sell today. Put it in your emails. When someone opens one a year from now, they don’t see the old offer. They see what you’re selling today. One QR code on every slice. Registration, then the replay, then your offer. Your work stops expiring. Every page, every email, every link you make keeps working for what you’re selling right now. And it grows every time you hit publish. Paste it once, change it forever. Billboard.

    All right. So, that’s what it built. But let me actually show share with you this tool, the tool itself, because it’s pretty damn wild um that that it can actually do this. Now, so this is a um a demo account here that I’ve had it go in and create one, two, three, four essentially different what I’ve called billboards, right? Um but they’re essentially just four different blocks that I can take that that area or that section of code um and then literally have that then be put on any side. I can have it be be my email footer. I can have claude to chat GPT. Put the put it at the bottom of every email footer. And I can then change what that looks like every single time I um I want it want to change it to change it to something else. It means that I can literally let me show you this. This is look this is um the homepage which is literally made and it’s literally um flipping the these numbers around the the actual count of how many times they’ve changed. it’s changed to something else. So, say originally I have this anywhere, right? Website in my email footer. That’s one of one of the best places I think that you can put it is in your email footer. U say I’m going to change it from launch week now and I want it to go to the evergreen offer. I can have it set to be automatically done after a certain date or I can just go in and go, “Yep, change.” Boom. And then it changes the actual billboard and the link that it goes to. So now I can have literally every past email, every blog post, every website, every anywhere that I’ve put this actual snippet of a code uh in. And again, you don’t even need to copy and paste the code like into an actual website. You just tell ChatGpt or Claude, “Hey, just paste. Can you paste this billboard uh into my footer of my emails? Can you put it uh on my sales pages? Can you put it in my in this blog post? Can you make a clickable link for my bio that shares my key links that I want people to go to, but also include uh the free tools? Um that include the billboard link so I can change it um ongoing to test different offers at different times. Um then if I have a webinar tonight, I can change all past emails. And the thing is if they have Yeah, if they haven’t opened the email, it will be able to change into anything else. If they’ve opened the email, they’ve got the information and it was relevant, then they’re not going to open it again, right? It’s for if if they haven’t opened the email, then it will change to whatever it says. So, I’m going to change it to say webinar training tonight. But say they don’t open the email again till like 2 days afterwards. Well, it’ll it’ll be back at the evergreen offer from there. Now, you can create your own billboards and and and add upload them yourself. The cool thing is though, this tool does it all for you as well. So, if I go to webinar slides right now, this one here has uh the deal of the week. See the deal? It changes every Monday. Now, I can swap this banner around. I can make one from scratch. I can make a countdown as well. And I can also um also have a split test running if I want to. And I can have it even just pick the winner. So that means um if I turn it on, I it it’ll literally just pick the banner that gets the most clicks here. Here is what how what I would name the actual banner, which again just gives you the name in the top left corner. The link that you want the banner to click to, right, is what you put in here. Um and again here you can put in a description of the banner. Sometimes sometimes different people have different security plugins and stuff where it might not show all images. Um, not many people have this, but it’s just worth putting in text that it’ll tell people what it is if they reveal the actual images in the email or on the website or anything like that. Um,

    so yeah, and this over here gives you the basic big idea of everything that you what this does. You paste a small snippet to an email website or buyer one time. From then on, you control what it shows and where it sends people. Now, the real beauty of this tool is the actual compounding effect of this, right? the more emails you send, the more things you post, the more things that you do in the future, uh you can then turn all of those marketing activities into an actual asset, uh a marketing asset, a traffic method that increases your traffic to your current offers, your current marketing methods that you’re doing right now. Not only for you, but you can do this for local businesses as well. And it just blows it’ll blow their mind that this is possible. Companies that send out emails daily would be literally dreaming of a way that they can do this to make their past emails not become obsolete, useless things, right? Um, another example if you saw in the actual um I’ll click out of this here for now so you can see the just what the tool looks like. It just looks like this now. Much cleaner. But um here the QR code, if I take this QR code and paste it anywhere, whenever I change what is being shared here, right? So all I need to do is create another banner if I want to swap the banner out. I can then upload my my own banner if I’ve got one or I can create an actual variation here. I all I need to do is type in my headline. I could say um and you can see there’s different different uh color schemes here and you can play around with them all. Right? So I want change this to like I don’t know blue but you play around with what you want to

    you know you get the idea. I can say my headline’s going to be um 30% off today only. um

    our Black Friday sale, right? Um

    while stocks last first in first served. And if I went here, you you can change the shape if you want it to be like a footer column, an email, blog, blog banner, slim strip, right? You can make it wider. You can have these sections be um big, too, right? It doesn’t have to just be that that bottom section, right? I can have this be a core part of an actual email. Now, that’s what I can do as well. I can go square. Let’s go square. And then I can go save and make it live.

    Boom. Now I can have it split test the two to see which one gets more clicks. I can also um even make a countdown too until until a specific launch time and it will literally run live until the countdown’s done. And once the countdown’s done and it’ll say your doors doors just missed it. I could say here um see the next best offer

    or

    don’t worry click here or

    um

    Oh, just messed it up. I’ll be like, “You missed it.” Don’t worry, though.

    And again, you play around with the wording and sizing. And I might actually change this a bit more. So, I can add in a bit more text in a second row. Um, last chance. All right. And then I can save to make it live. And then it would play this countdown until it’s ready to go down here, right? And see, you can play around with the different color schemes and stuff and get the get the perfect concept that you’re after. But you can see here, look at this. A big block. And I So that what I can essentially do is have it be like an email footer. Um, and then when I want to switch it over, I can go, okay, that that dealer league is done. Black Friday is here today. Let’s go ahead and go, boom, change it to this. Everywhere that I’ve got that specific code is now going to change to this until I change it back somewhere else. And you can see it tracks the amount of clicks you get. Um, it’ll show you the numbers of each day and how many clicks and what’s worked the best. Um, and again for emails, all I would do is take this and I would say, “Hey, can you put this code in the footer of my email?” Um, or for here, I would say for a website or blog, I say, “Hey, can you chuck this example on my website?” Smart link too. Again, you can go ahead. Um, this is again, you chuck this in a link in bio or something or in a PDF file or just anywhere that would link uh and you want to repoint like you want to hyperlink some someone to a specific link. I can like go copy this here

    and that link instantly would smartly go across to where it needs to go. Um,

    and again, so say if I had a PDF and I took this image and I put it in the PDF, I would link it to this smart link and then all and then it would track perfectly up here. And QR code again um here. And now we’ve also got this uh make a version for a partner. So, this allows you to give a um say you did this for a local business or a or a um client and you want to give them access um to this actual panel, but you don’t want to give them access to all of your panels. You can make a version here for your um for the for your partners so they can have their own board. The account the clicks accounted separately and their ID rides along to the destination. And here you still control the banner and the link for everyone, which means you’re in control of the money. So, you get paid to do this service. You can just give them the actual tool uh or the actual um access to see what’s being run and how what traffic they’re getting and the results they then get from this. Now, what does this equal to then? if you’re if you’re doing actual if you’re selling things online, right? So, if I was selling things online, let me even just pull this up here. Um, I’d say something like

    say I’d say something like this, like I’m going to do a new one. Hey, Cord. Um, I was wanting to see if you can create an image for me which breaks down um the extra sales for for maybe three or four different examples maybe for like a $47 offer, a $97 offer. um a 397 offer and a 997 offer um of if one was to use um a Billboard mate in a live setting and they’re getting you know decent numbers like like standard numbers of traffic coming into their sites how much extra on average these different um uh offers would yet if they had Billboard mate turned on. uh consider and then obviously considering that the each of these uh businesses are doing some form of online marketing whether it’s through paid ads uh to a website where a billboard mate link could be or through email marketing where it could turn all of their past emails as a potential link um to their current offer um that um that they’re running. Uh and if you can just do just a rough breakdown of a you know average case example of how much more money this would bring in um over say a 30-day period. Thanks.

    Now let me just see if it can do this and decently. Let’s see how it goes. Um but again, any new like literally any type of um traffic that extra leads that you can get to a sales page is going to increase how much money is made overall because more people will end up seeing your offer that they would not have seen previously. And that’s how businesses, that’s how the best businesses make money online is by having lots of different ways they can get traffic and optimizing the traffic they’re getting. Not only that, but being able to turn leads from from ever being disappointed into being happy and getting the solution or answer that they’re looking for. If anyone is ever coming to a page that’s for an old sales page or for an old promotion or for an old uh release and then the prices and the and everything is different now than what it once was, they’re going to be disappointed if they can’t access that. They’ve come to the page, they’ve got excited, if they’re ready to buy and then they can’t at that price, they’re going to be pissed off, right? So giving them an option to either then have a internal discounted link if they’ve because you know if you sent the email promos out they’ve missed the close date of a promotion. you know, it’s all fair just to not not give them that promotion deal again, but maybe for a month because people will continue to open up emails at least for a month that you’ve sent uh say, “Hey, look, like it could be a secondary link that you then just have Claude build out and say, “Hey, I know this offer closed now, but can you just create a special link that I can use for Billboard, mate, um where where we still offer the same deal just uh for 50 bucks more so it’s fair to everyone that did buy within time within the time, but that would still save them 90% of what the actual live homepage does. Um, if you can create that page for me, um, that would be great. And that can be the link that Billboard mate then sends the user to, um, to still get that discount. That one little task is is huge. And the crazy thing is now with where AI is at with Claude and with chat GPT um that you can have that set up as a as a rule. You can say every time I release a product, I want this to happen. Can you go ahead and set up Billboard Mate for me uh to ensure that happens every time so I don’t need to um request you to do it. you you’ll just do it and give me the link at the end of the um of the promotion of the of the section, right? Um

    okay. So, it’s going to it’s going here. Um

    we’ll see what this builds out here in a second. But that’s pretty cool, right? So, what uh now the thing with this, this is a pretty expensive tool for me to run because the way it works is every single time a page that has a Billboard Mate banner on it uh is Oh, you guys you guys can’t see my Claude right now. Sorry, guys. I can I I forgot that you can’t see my Claude. Um, let me go ahead and and change that over here so you can I thought I had it set to sharing my desktop here. Um, here I just went went into cordons and I just asked it to to do that for me here.

    So every time that it runs and it has this banner or any banner anywhere, anytime someone clicks on a link that has this, it then requ pulls it asks my servers to send out this banner uh or the the the specific banner that’s that’s with the actual um link. It will then um

    it’ll then have that happen. I can see this on a pretend blog post here and see what it looks like.

    I don’t know. That was a weird noise outside. Um

    maybe there’s ab sailors, I don’t know, doing cleaning, but um yeah, there’s a quick example on a blog post what it would look like in the middle of it, right? Um so you can see what things look like, too. Now, the cool thing with this is uh on this on the left here as well, there’s a takeover section, right? So, say there’s a I have a specific I forgot to share this before. Say there’s a specific um launch that I’m doing and it that I want I want the takeover one to change every single board that I have up here, every single link that I’ve ever got running. Uh this takeover one will literally change the change it to this when it when I have the launch set up to I can have every board. I can just have um webinar slide. I can just have the ones that I select here and then the date that I want to run from. This will take over everything, right? And then I have a carousel section too which will then actually slide through multiple different banners in like the like it is here live. So I can actually advertise multiple things in the one place that I had this previously.

    Right? So I can have it as a carousel. I can have it as columns if I want it to be laid out side by side. Um,

    and you can add in more slots and add in more um add in more slides and sections into each spot. Now, again, the same thing. You would just copy and paste this specific I copy that into my email footer. Um, or ask Claude to do it. Um, and if I wanted it side by side, I would then have this be copied and pasted across. Right? So, um, and again, you can change the size. It doesn’t need to be this design, this width ways. It can be anything. It can be literally like how I had it prior like this as a big box. You can have any image be uploaded to. Again, I could go swap banner, upload my own banner here, um, and have a fully designed image with pictures and visuals and my product there, the buy buttons. You can have anything. I’ve just done a super basic example here that you can use right out the gate that that that works effectively um, you know, minimal words, just key info, boom, for when someone uses these different sections. So, that’s also here. Now, this obviously again like I was saying costs me every time someone requests this the banner to be sent to be put on their website on their blog in their email footers. If they send out an email to 10,000 people, if all 10,000 people open that email, that’s 10,000 requests of the banner that I then need to fulfill to those actual places. Um, and depending on how many open them will depend how many I then have to pay for, right? So, normally when this comes out, it’s it has to be a recurring offer. Now, what I wanted to do for everyone here in my top 1% was I only need five people really to come in with this that want to be a member of this and just use it and implement it. And let me know what suggestions you want want to it, anything you want added. If there’s something unique that that’s for a use case, I want you to tell me and help me build this out any further than we that it is now. And also have um and also again let me use any um results that you get um from this because again if I pull this up here, let’s see what we’ve what it’s built out. Um here’s an example. Um,

    [ __ ] I don’t know what the hell that noise is outside, but um, says, “Yeah, what the hell could I add?” Um, so not what the hell what it could add in 30 days. So, old emails being opened again with 25,500 opens after an email’s first week times 2% clickthrough click 2% click on the banner, it could give you an extra 50 clicks. website and old blog posts, 5,000 banner views times 1% clickthrough rate. Now, 1% 1% clickthrough rate is tiny, right? But this is just being really really modest, like really basic here. If you have it in your bio or your YouTube or um and any QR links, anywhere that you put the QR code, and the cool thing about the QR code, that can be put on print media, that can be put in in actual physical like business cards. You can change that QR code where and whenever you want to be to be able to go to a different link. All right, that’s huge. That means your marketing like a lot of people do put QR codes on stuff and then that offer or that event or whatever becomes obsolete. People scan them in the future and and it leads them to a dead end. Now, it’s always going to lead you to somewhere uh that you can make money and provide a service to your uh actual customers and leads, right? Um and here, so extra clicks a month, all landing on what uh on what you’re selling today, 130. That’s with this basic example here on a $47 offer. So with four in 100 people who click buy, that’s an extra 240 bucks and about five extra sales a month or about three grand a year just on that with a $47 offer. On a $97 offer, that’s around 380 bucks a month more. That’s around 4,500 a year. Now, um, and look at this, it’s also bringing it down. So, one one if one out of a 100red people, one out of a 100 interested leads buys your $397 offer, you’ll make an extra $620 a month, which is an extra $7,400 a year. And for a $997 offer, which is 0.5% of 100 interested leads that have clicked on your banner, that’s an extra $780 a month. Um, and that’s about one extra sale a month. That’s around 10 grand. Just under 10 grand a year. Now, that is so so modest. And while that’s this isn’t a promise, this is not being extravagant by any means, right? Um, this is a really low-end. Like, I’m actually shocked that it made it this low, but you know what? an extra thousand bucks a month is just, you know, like just from having this one plug-in set, 10 grand a year. Pretty crazy that it can do that. Now, think of it if your audience or your customers audience uh you know, if you can use this on their businesses, like that’s and this is this is with a small this is only with 2,500 emails that that is based this on, right? It’s not based this on really anything more besides some very limited number out of 120 clicks more right. Um the cool thing is this then only compounds the more people that you email, the more leads that come in, the more website traffic that you get. Um, and you can continuously use the same banners to continuously advertise anything and everything. You could even take one of these links, one of your banner links, go to an influencer hiring site. I’ll sh I’ll share something maybe on another webinar this week where you can literally pay to have a link put in a YouTube bio of a viral like of a high viewer count YouTube page or in the bio of an influencers’s Instagram account might cost 100 bucks 200 bucks but you might get 10,000 to 50,000 clicks on that link for it being there and if you offer something of value to that that to that audience of that influencer of that page, you know, you’re going to get people coming in that um that are going to start converting. Now, the cool thing about that, too, is you can actually split test multiple different offers by using the carousel or even just by using individual slides, by having multiple different options added here. See, we’ve got two right now. If I turn split test on, I can then split test uh the two different options and then it’ll pick the winner for me um after a specific amount of time. So, right now I got split test on. This is live and it’ll split test sending traffic to both of these. Um which is just yeah killer, right? So, I only need five people for this. This is again, you see, this is going to be a product that has to be recurring because of the costs, right? But for the five people that join with me now, I’m not going to charge you recurring for it. I’m going to give you unlimited access to and build as many boards as you want and you’ll also be able to have as much traffic as you want coming through your leads. Um, again, there’ll be like a fair use essentially if you’re getting like trillions of clicks and it’s like fake clicks from fake like traffic sites and stuff like that. That’s not going to be included. But that that won’t be included for anyone, right? For some reason, I don’t I don’t there’s no one there’s no one here in my 0.1% top audience that would be buying fake traffic, but for some reason people do and they think it’s going to work. Um, right. I don’t know why. Um, also when you first log in, there’s a full wizard that takes you through how to use this from every single step, right? So, I’m going to give you guys unlimited access to this tool. Zero recurring. You guys are the only people ever that will get zero recurring for this. Now, um I’m also going to give you access to Thursday’s training which is going to include um where is it? Which is going going to include the tool pass. This was the bonus from Neil’s webinar um last week or one of the bonuses where I’m going to give you that tool that is like um open router except for uh different softwares just like how I shared with you with Higsfield. It’ll give you o over 3,000 different tools that you can then use API access to. And you don’t even need to know what those tools are. If there’s something that you’re wanting to do now, you have the ability to do it because every time you put in a request and claude or chat GBT, it will search for what tool can do that for you. It’ll tell you the cost of how much doing that job that one time is going to be. Might be a couple of cents, um 50 cents maybe at the max depending on what it is. Um, and then it would say ask yes or no. And then you can literally access over 3,000 tools without needing a subscription, right? Um, the other way is to manually know what the tools are and then connect to them via API like I shared with you here, but I recommend doing that with Higsfield to get your $15 free credit. Now, not only am I am I going to give you this, I’m also going to give you access to my uh actual um how do I create my my sales video training. So, just like I shared with you a basic example before on the same webinar this week, I’m going to go in and I’m going to create sales videos live using Higsfield and you can just copy exactly what I do. Uh that will be included in this as well. And then I’m also going to give you access to uh this master class which is again this is the big bonus really. This is again costs more than it does to be a part of Billboard mate. Um but I’m going to throw this in for you guys as well. Normally, this is this this is going to be a couple of grand to be a part of because I’m going to be working with everyone on a very close level to make sure everyone’s got their own uh AI tools set up from their basic chatbt and claudes uh all the way up to their own uh AI agent tools like Hermes Grock down the Grock agents um and and the new meta um AI agent tool set up as well. um any triggers and verification set up. Everything’s going to be set up for you. You’re going to get no upsells or anything for this course. It’s all just going to be there for you guys. And what I want to do is even give you guys a big discount on what I’ve got it up for now. Um so all you need to do is go to billboardmate.com and it’s only five people I need. So I’m not going to like hard sell this. I’m sure they’re going to get taken up instantly. If you want um the coupon code, that’s going to give you um 600 bucks off this, which again it’s I think it might even be 700. It’s about half price. It gives you half price than what I’ve got it for on here. Um please let me know in the chat and I’ll send you the link. By the way, guys, this here, this whole sales page, look, like even from like see how it’s made this billboard up here live. I’ll put the link in the chat, by the way. And it made this all today for me. Literally today and like hours before the session, I said, “Oh, can you make me a sales page?” Uh, and it did this. And it made this video as well. I said, and I actually did say, I said, “Make me the video and the sales page.” And it literally did all of this for me. And what I’m going to do as well is I’ll give you the actual um uh the actual code or the actual my setup that I have that make sales pages like this with real examples, real screenshots from the tool, real animated sections in the actual setup of the page. And it did this with literally one click. Like I didn’t edit this at all. Like at all. Now, as you can see, here’s 497. It’s not that much. Uh I’ve got a discount code here. All you need to do is go get billboard, mate.

    And here, type in I think I think I made it Billboard. Billboard five cuz for the five people that I need. Is that it? Yeah, Billboard five, 500 bucks off and it brings it down to 997. If you jump in right now, you get this plus the billboard tool plus my full mask, guys. This in itself, guys, is going to be just the like this in itself is the biggest value asset I think I could give all year because again, it’s going to bring you up to almost like we’re we’re almost at AGI. This will get you up uh to where we need to be now. And and again, once you once you’ve got things set up like this, you do not need to have be doing probably a lot of the work you’re currently doing in AI tools. Let me even share this with you here. Look at this. If I scroll up to where I say, make me a website. Um it was literally earlier today. Um see can you then also build me an example site for billboard make but don’t make it live in the current domain as I really like the current live billboard sales page also that I asked to make some tweaks here earlier let me see is it this one here

    Um,

    I I’ll find out later where I put it, but it was literally a basic prompt in here somewhere that says, um, then I said, “Once you’ve done this, can you set up everything so when a user buys, they get their email login and license keys and and anything else needed?” And then it went and literally did all of that. Like, I don’t need to put in any extra info. So, I don’t don’t need to connect it to things. I don’t need to give it access to things anymore. It’s all literally just done and set up uh once at the start and never need to do it again. Um whereas you’ll often find if you’re doing things the old way, you have to continuously give it access to all these different tools and plugins and places and whatnot. Um and you know what? I’m also going to do one other major major uh benefit for you guys. anyone that does this, I’m going to equal the investment so of 997 that it comes down to and I’m going to give you a coupon code of 997 that you can use for any of my other tools whether it be overlay mate it whether it be stepmate whether it be um what’s another one we could be doing here over stepmate we could be throwing in perfection.

    Um,

    now I’ll send you these. Um, I’ll say also get a 997 coupon. And that’s just like me just going over the top. It’s for five people only. And if you’ve jumped in, you’ve got I I’ll ensure you got that already. Um,

    you can use this on

    um

    on advert.com as well or dubtalkmate which is my other software talkmate.com or URLFam and you get the full funnels of all of these. with that 997. Um, in some cases you can even um add multiple. You can add in two softwares if it works to be with that in that budget there. But um or you can keep it for the future, right? Whatever you want to do. But again, I’m doing that for five people only. If you’re in on this, just let me know you’re in on in the chat because I’m not doing this again after this. So, um, but again, you can put it towards anything. I can give you a bunch. I can give you you can give you can get access to my travel hacking offer. You can get access to uh I’ve got another couple of offers that I’m building out now of just things that I’ve like one one of one of my one one tool that I’m finishing up now. Let me see if I can share it with you where we’re at now with it. Um, it’s been an absolute mission to build. Um,

    platform AI negation.

    What is it here?

    Just trying to find where the example was that we had. Oh, here. Um,

    I just need to get it to copy.

    Copy the

    to my

    One second.

    and I’ll let do this here. Um, any if you have any questions as well, by the way, chuck them in in the questions tab. This again is just a steal of a deal, and I think I can see a bunch of people have already got it, so I don’t need to push this that much harder. Um, but I want you guys to help me improve it. That’s the whole goal here is to help me improve it and to really just use it, implement it. I I’ll teach you ways you can sell it to local businesses because I want to launch it as an actual um tool as well. Now, here this is this is again this what I’m going to share with you here. This is a future tool. You can even use this on as well. Um but I’ve called this brain right now, but it’s it’ll look much nicer than this. But if I open it, what it does is gives me right now I’ve got it as a unified place that it’s connected my chat GBT my claude uh the different levels of claude claude codeex manis which is another which is meta’s AI tool all of these you can see I’ve got down the bottom here as well I’ve got manis here I’ve got charg here I’ve got claude here um and you can see here the different jobs that it’s been doing recently so I did the we are live emails here with um and then it’s done uh the brain mate complete which is this that I’m doing here. It it basically copies and shows me the work that I’ve been doing. But it connects all of these with chatb Claude the different levels of Claude like Claude uh code Claude um chat then codeex here and then manners. So they all know exactly how much work is being done on each project. So, if I jumped into Chad GBT right now, it would know exactly what I’ve built over here for the Billboard app, even though Chad has never worked on it. It completely makes everything in sync across the board. Um, so I can give you access to that um as well. You know, there’s many things we can do here. Um, I’ll get a full list out, but um, again, you can even keep it for the future. I’m only doing this for five people, so you need to jump in now if that’s for you. If there’s any questions, let me know. Um because I’d love to help out.

    Can you apply apply to perfection tool? Yeah, you can 100% apply this to to perfection. If you guys haven’t seen the perfection tool, I need to get a better not add it to a better domain. But here you can even let me even share with you what perfection does if you haven’t seen this video yet. Um, this I had this made with Higsfield as well.

    So yeah, you can definitely use it on that as well. Um, you name it, you go and grab it. Um, sorry that if there was no audio on that. That’s frustrating. I was trying to let it have it play through my actual microphone. If it didn’t work very well, I apologize. You can you can check out the video afterwards. I’ll put the link in the chat again. um

    there and um need check that perfection. But again, the link to Billboard mate is again here. I’ll put I’ll put it on the screen as well. So you can just go to billboard mate and what I’ll do is I’ll break down everything you get

    use code billboard five for 500 off and then what you get bonuses a 997 coupon for any of my other tools or heat for future. That in itself just essentially makes this free. Like if you’re going to be doing AR marketing, I’m sure there’ll be something I’ll be creating or releasing that you’ll want. Um because that’s like that’s that’s essentially what I’m like I’m living for right now is building things to get AI more accessible for everyday people and to minimize the actual like workload of it. Um you’re also going to get access to let me actually go ahead and actually bring that in here. Access to my full AI workforce master class starting next month. Um, three, access to this week’s bonus training uh on creating sales videos. Not just sales videos, but or any type of video, eg content, Insta, reals, um ads, etc. like the one on the site or um on the Billboard mate.com site um or the perfection site example and then also we’re going to give you access to the AI day pass uh toolkit where where we’re going to set up set up live on the same webinar this week. I think it’s on Thursday. Um set up live this Thursday. Um your account to access over 3,000 AI tools um without needing a subscription. You don’t need to know what they do.

    But if you ever ask AI to ask AI to do something that it can’t do directly, but another AI tool can, you can just pay the small amount to do that one task rather than need a subscription. Um,

    let me make this a bit smaller so it actually fits. And I’ll make this

    smaller, too.

    And what I’ll even do is I’ll I’ll share this with you guys in a second.

    and then use

    use the coupon on any of my tools. For example, and I’ll give you guys a list here.

    Um, agent suite. What’s my agent suite?

    Here we go. Um, now again, this is this is only for five people. This isn’t like a public offer. This is just a one-time thing I’m doing here um for you guys.

    1. Agent 72 is really really like it’s it’s my it’s like one of the best ways you can build tools. like you can build something like if you if you’ve never built a full tool from start to finish, this is a really good um good what good tool to jump in on because it literally allows you to come in here, set everything up the way it’s meant to be set up inside of your AI tools from the get- go. You then go ahead and go and guys, if you have if you bought a 72 in launch week and you haven’t gone back into it, please do so because I’ve built this out so much more. it’s updated fully to the latest versions of chat GBT and Claude. Um now in in the past you would normally go into here and you would generate your ideas using the idea engine right and after you’ve done that and it’s helped you come up with an idea you would then come back and you would open the oneshot engine which would give you a one like it would take you through a bunch of different steps here and you would go through all the different steps to get a prompt that you can then use in the AI tool of your choice in claw chat GBT wherever it is and it would then oneshot build everything for you that you’ve put in here, you would go back to the next section and go through and build all the different things that you need to. What I’ve added to this now is this build tab where you can do the whole thing in just one big um flow. So, I can go start the flow and it’ll interview you for 90 seconds and everything that you could possibly do to that it’ll like learn about you and then it will then create for you. So, you don’t need to do them step by step. You can do everything from start to finish. This will then build out your color schemes for your branding, uh your voice, your price guides, your building prompt, your sales page. It’ll do everything in one flow, everything matching, nothing retyped. You then you’ll get a full outcome at the end of it. Um, and again, you can just do just the brand and logo, just the sales page, just the product blueprint if you’re just wanting to do the actual AI building part of it. This again has all been added for you. So, make sure to check this out too if you’ve already got Agent 72. But if you don’t, again, that’s another option you can have. So, what I’ll do is I’m going to drop this link in the chat. Um, secret VIP session. Save.

    And if you’re in, you should get your login pretty quickly for the log for this. If you um need me for anything though, and even if you’ve joined, just tell me you’ve joined. Let let me know on WhatsApp that you’ve joined as well. um just so I can help make sure you’re you’re set up with everything and we can chat moving forward if there’s anything you want added into it um or anything like that. So my WhatsApp I just added I just chucked the link for this for this uh in the chat section for this document. All right. Um contact me WhatsApp plus 6143344588.

    If you have really struggled to use WhatsApp, um, which you shouldn’t, it’s pretty easy. It’s just like adding a number to a phone book. Um, you can contact me at lukeo media mansion. I’ll keep an eye out today for emails from there. But please, this gives you live access to me. And that’s for everyone here. You’re all in my top 1%. You can all contact me on my personal number via WhatsApp. Sometimes it might take me a day or so extra to get back to everyone, but that is there for you. But again, make sure you use that, use the code billboard 5. If that if the money doesn’t come off, then those spots are taken. Um, and yeah. Um, I think that there should be like maybe I think there maybe one or two spots there. Um, Billboard 5 is the coupon.

    Um, cool. So, we got that. We got that. Um, what else was I going to suggest? Let’s Let me actually pull this up since we’re here. Let’s have a look at um Meta AI agent. Let’s see if we can download that Muse. So, this is this is Meta’s latest agent.

    And you can see this type of stuff that it’s suggesting you use it for reserving things, booking travel for you, booking restaurants, like day-to-day life stuff more so than coding as such. Um,

    always working on your goals and suggesting ideas.

    So, you can see here, I can stage a travel packing list. I can schedule your tennis lessons. I can get you money back when a price drops on an item that you bought.

    So, it says forward a receipt and I remember it for you. I track the item against retailers and your card price protection windows. Smart, right? Works with your apps and builds it builds its own tools. Connect your email calendar, Instagram, and more. If a task needs a tool that doesn’t exist, Muse can build it for you. Download Muse for Mac. Get the most out of Muse. So, this again is more for a day-to-day AI person. that’s wanting to use it in their day-to-day life more so than building things out. I would re I would recommend. Um, but let’s go ahead and download it anyway.

    And I’m going create an account.

    It’s ask me to check out check a code that it sent me. While that happens, I’ll go ahead and I’ll install it.

    Now, we’re going to be covering this on our actual live um webinar series right in a week and a bit. um which is going to be where are we this series but we’ll cover we’ll cover Muse and how it compares to other tools like um like Grockbot here where where I’ve got individual AI agents that all do different tasks. The cool thing as well with AI agents like this, each one of these tools has their own computer interface. You can see here, look at this. If I went to my side quest or say I went to my CEO’s um that I’ve made my CEO. So whenever I talk to my CEO, it delegates work to all of these other agents depending on what where it needs to go. I can actually see when it’s working. I can click on this computer in the top right

    and I can see that right now it’s got Instagram pulled up on its computer. That’s what it’s was currently last accessing, right? Um,

    so whereas Stack Boss might have been accessing something else

    and these computers that they use here, these run even when my computer is turned off. So, right now, yeah, it’s got it the desktop open, but down the bottom you can see Chrome and the different file managers and stuff that has access to. Um,

    let me go ahead

    and

    share.

    So, it’s not available for me here in Australia yet, right? So, I’ll join the wait list. But for you guys in America, it should be right. So, even though I’ve installed it, I can probably open it, but I probably can’t even access it yet. But you guys in America most likely can. Maybe even in the UK.

    Let’s see if it’s um

    let’s see if it’ll add my mobile number and let me access it.

    No, I’m on the wait list. So, I can’t share that one with you guys yet, but you guys should be able to get access to it, right? But in saying that, anything else you need, please let me know. There’s any questions so far on this that you need that you want. Uh Ken, that’s correct. Um

    100% Frank, you can definitely have it learn SDK and help create any adapt to go high level for sure. Um Ken, let me see. Um

    yeah, that um yeah, 100% paid in full. If if that would be that’s what I’ve got it set as for now. If there’s anyone that wants this deal but wants a split pay option, let me know. I can can look at it. But I only need five people, so I think we might have got close to five anyway. Um, if there’s anyone that that does want a split pay option, put yes in the box and I’ll see what I can do uh afterwards. I’ll just check to see how many spots we got left and and if they’re not all gone, I’ll I’ll make a split pay, but I’m pretty sure they’ll be close to being basically if you use the Billboard 5 code and it works, it means there’s still spots. Um,

    but if you do want a um a split um

    a split option, please let me know. Uh,

    let me even see here. Let me see if I can pull up a something in Luke’s world.

    They might There might be K. That honestly might be. But um

    let me um let me see if I can if I can actually

    sort something for you. Can you can you you’re always great um with supporting me with things I do. So I don’t mind if that helps you out, mate. I’ll um I’ll get it sorted for you if it I don’t want to put anyone ever in ever in a position that’s like a bad position. So, if if I can help you out and you can help me out still with it, um that’d be great cuz again, your ideas are going to be built into this. I want to see how this works for you and what things you like added to it. That’s why I’m doing this. Um I don’t ever do things like halfass, right? I like to always um have a have like an end result where I’ve got had people test and use and implement their suggestions because my brain’s only one brain, right? And you guys will use things completely differently to me. Um so yeah, if if a split option is is something that would be useful, let me know. Um,

    let me have a look at this. Um, Luke, the pre the prerequisite for that though is is I’ve already got an active online that I’ve that I’ve already been active online and I have an existing email list to draw draw on. Right. What if I’m just starting out my online business? That’s a really really good question. So, I’ll get to that in one second. Can I just see who said split pay? Um,

    oh, Allan. Um, Allan, Allan, Allan, I apologize. You’re looking Are you You’re meaning the actual bonus. You’re You’re looking for the code to to claim your bonus already. Please, just if you message me on WhatsApp right now, I’ll get you added in if you know what you want to use it on. If you want to use it on that, I’ll get you added straight after this if you’ve picked it up already. Um, oh, Ken, I appreciate you, mate. I was I was going to try to sort you out on a split pay even um if it was going to help you a lot. So, I appreciate you, mate. Um, Phil, I’ve just um I’ve just responded to your message here. Um,

    and same as you as same to you as well, Joel. Um,

    thanks, Frank. I appreciate you, mate. Um,

    cool. Um, but yeah, so in ter uh terms of Alan, I’ll get you that um I’ll get you the link if you just WhatsApp me quickly after this. I’ll literally add you into whatever it is you’re requesting. Or if you tell me now, Alan, um what it is if you’re wanting to get into perfection with your code, it just write yes to me in the chat. Um, and I’ll add you in directly after this. Um, after I confirm that you picked it up. Good. Back to your question. That was a really good one. The prerequisite to this is that you’ve already got an active online and have existing emails to draw and write. What if I’m just starting out to build my online business? So, couple of things that you could say for that, right? First of all, foremost, you get 997 coupon and you get access to all of these other other um things that you can use to help you build your business from the starting point, including the master session that will be starting next um next at the beginning of the month, which is is only like a week or two away. Um so, you get access to that and all the replays and whatnot. And you can use that coupon to to use any of these any of these tools, which a lot of these will literally have you like supercharging your builds and your business to get to get them out as fast as possible. Um, that’s the goal so you can start actually selling, right? Um, in terms of using Billboard, mate, if you haven’t done any marketing online, you haven’t got any websites out, you haven’t you haven’t launched anything ever, and you have not you’re just getting started. You know, I wish I could have gone back to when I just started and had tools like this that I could implement from day one because I promise you a whole 6 months to a year is going to pass so quickly uh for you. And if you stay consistent just doing AI marketing and have a your AI tools have a rule to set up putting in a actual banner uh spot in anywhere that you have online. what that’s that’s that’s a good point. I just had thought in my head of right now. I might even have a hidden banner option that that will allow you to then activate a banner at a later date. So, say you have a page you don’t even want to put a banner on it yet cuz you have nothing to give away yet or to uh change it to, but you want to make sure that you can in the future. Well, I’ll add that’s a good um request or feature that I bet I’ll see I’ll see if I can get that added in today or tomorrow. Um, and that’s how that’s what’s so cool with AI as well. I can literally do that now. I don’t need to wait for developers and people to manually code these things in and it cost thousands of dollars per request. I can do them same day. Like, you know, it’s already got rid of developers for me essentially, which is just wild. But, but starting out the right way, that gives you the best chance of having success ongoing, especially when you first start making sales and your traffic first starts coming in. every extra sale. There’s a point that where you go from being um not profitable to being profitable where every extra sale you can get really makes a difference. It makes a difference of of do you need to fund a tool subscription with your own money that you’ve made elsewhere for an extra month or two months or however long versus you getting those extra sales or that extra where’s that example? that that extra 10 grand a month or or extra thousand bucks a month on a very very basically small uh ROI or sorry small um I should say small traffic source you know extra 130 clicks landing on on your offer can equal literally extra thousand bucks a month 10 grand a year um easily this is with a very basic stats So, but and having these things set up from the start so that you can then send like even if you only have like five or 10 pages like you might you might have your social media pages, Facebook, Instagram, Tik Tok potentially. Um you might have a LinkedIn, you might have your YouTube, you might even put a like the thing is as well you can put these QR codes in. Let me show you here. This QR code is going to link to whatever banner I’ve got selected or that I’m split testing. I can put this QR code. I can download the image. Now, anywhere that I paste this image, it’s going to link to whatever I have linked here. And I can change this link. So, if I have this in a YouTube video, in a promotional video, in an ad, in a print media, I can utilize that traffic from now on. If I went and got five got and bought 5,000 business cards and I had someone letter drop them for a h 100red bucks, anyone that anyone that scanned it would be sent to that location. Someone else finds that card 6 months from now and scans it, it can still go to wherever I decide I want that person to go to at that point in time, right? you know, these are there’s ways you can use these things that, you know, are just going to open the doors of traffic that you’ll be able to get or your clients. And again, if you don’t have an online business yet, even using this for a client, because again, you can use this for client work. And you can then build out your client um the client view for them. Um, see, make a version for your partner. Boom. Uh, what’s your partner’s name? give them an ID if you want to. Um,

    and then it will literally give them um the breakdown of all their results here that they can see how this works live for them. You can charge them a monthly subscription, right? And the coolest thing about this is you could then have AI take this concept, go out and sell it and sign up people and give a free trial to clients for it. And then and it can you you can use agents like the ones here to go out and where’s my traffic agent? Terminator test traffic. And I can have a go out and say here at first I wanted to to publish on future tools, SASHub, alternative SAS city. If I wanted it to post purely advertising um jobs for this, I could have it go out and post on Upwork. I can have it post on Fiverr. I can have it post on any type of job delivery service. I can have it reach out to people on LinkedIn. I can have these agents go out and do any work that a human could do. And if you don’t know what what ways to do it, you can ask these tools and then these tools will give you the answers and then can do it for you. That’s what a big part of this is as well in our master class series is we’re going to be going over um where are we?

    Too many tabs open. Let me close a bunch of these.

    Um,

    we’re going to be going over how um, essentially, yeah, just to set set everything up to get it, you know, get your tools doing the work so you don’t have to, right? Even even still in Claude, you’ll find

    you’ll find that it’ll still ask you to to approve things sometimes or test things sometimes. This is a you know, one of the biggest hints I can give you if you’re using Claude or even Chad GPT. Let’s just let me let me write this down in the notes um as like one of the takeaway

    rules for today. All right.

    um take away rule. If chat GPT or Claude ever asks you to do something manually, simply ask it back if it can do so with computer use. Right? This is what you should be doing from now on. If it ever asks you to do anything, ask it to do it for you with computer use. All right. You could even set a rule saying

    that whenever AI asks me to do something that it instead checks to see if it can do it itself first. All right. Now, I normally would set something like that, but I sometimes like doing things myself to get an idea of where builds are at and whatnot. But for most people, you probably just want it to do it all. Boom. Have that set. And also, when you’re building things, something that I just find there so much easier. Um, again, they say that people say that there can be risks with giving it full access, but I now just bypass literally down here at the bottom, which says bypass permissions. If I start a new chat, I come down here to manual where it says manual and I change that to bypass all permissions and then it just builds everything. It doesn’t stop to ask me to approve anything or to accept anything. It just builds and builds and builds and builds and builds. So it never it doesn’t stop. I found when my productivity went up dramatically when I added this bypass permissions in. Same on chat GPT. I also uh have done the same here in Claude code. Sorry, in codeex I should say. Um, you can see here down the bottom it says full access. Full access. Down here I can change permission. Now it’ll say unrestricted access can cause the um unrestricted access to the internet and any file on your computer. The thing is the AI tools are not going to go to any file on your computer unless it plans to do so in future for some weird reason, right? Unless there’s a reason for it to do that, it’s not going to go ahead and do that. Um,

    open in browser. Let me see what it’s done.

    Yeah, I think it’s already done this, right? Yeah. Cool. So, any more questions? Let me know here.

    Um, Ralph, no problem, my friend. Appreciate you. All right, I’m going to go ahead and we’re going to finish. Uh, can you use this for affiliate marketing? Uh, like ClickBank. Yeah, that’s another big one that you can do here. You can also have your banner links go to affiliate products. You can change this and have put an affiliate link to of someone else’s product. You can have the carousel be running and have uh you could say my top three recommended products or top three AI tools I use in my business right now. So I could have a carousel going like this and each of these would have their own link and affiliate link. Again, you could have an image that you’ve created in Claude or so that you might have created in chat GBT through its image editor and had it be in this rotation and then you just put in your affiliate link of whatever um webinar slide you’ve created up here. The link you’ve got it going to is your affiliate link. Then when anyone clicks on the banner, it goes to their sales page, but you you will get paid for the actual sale that you that if if that person buys that product from, it’s a really really good way uh to do this. And you know, I might I’m writing that down here now as another way I want to bring forward in this product. Maybe like like a top affiliate products to sell right now. And you guys can all just use a pre preset set of affiliate um products and banners that are already created that you can just activate and have them running for something to do that you can add into the your core places right now that at least you’re sending your traffic somewhere that can make money if you don’t have an offer right now. That’s a really really cool cool idea. Um

    Theodore, of course I will. I’ll send you I’ll send you this right now. um when once this finishes now but I’ll finish this up now guys um I think it’s tomorrow or it might be actually not it might be when’s our next session let me just have a look here our next session is going to be on

    um part two Wednesday Wednesday so yeah so Wednesday 6 p.m. is our next session. Um, so a day in a bit and then Thursday we got that bonus for Neil’s offer. If you guys haven’t seen um

    haven’t seen Neil’s, I’m going to go ahead and get you added um to it. Right. I’m going to get you added to Neil’s um Oh, I should I should get you get you the the link to Neil’s session if you didn’t see last week’s session. who here has not seen last week’s webinar with Neil. I recommend um seeing that if you haven’t um seen seen it yet. It’s a really it’s a really really good session that essentially Well, that’s not it. Um let me go ahead and let me find this link for you guys real quick. Um what I’ll do though is I’ll put this here for now. Um, one second. And I’m going to get you guys that link for Neil’s session because it was a really, really good one. Um, I believe there’s a day or so if you want to be a part of what he’s got going where essentially he has he’s created a system where AI agents will literally where people are on your sales page, you’ll have it. So um he’s created a tool where AI agents will not only segment your any any live leads into the right offer. It will or even call them and sell them the offer as an AI agent on the phone. You cannot even tell that that that it’s AI without it telling you that it’s AI. it will uh convert you convert traffic to sales for you bringing I think it’s an extra 30 or 40% on average conversions um to the actual plate which is pretty wild. So where is it?

    Um okay, cool. Here’s the link. I’ll put it in um the chat for you guys if you did not see it last week. And I will share it in the document too.

    I be like last week’s session with Neil Nav here. There’s still a few days left to to check that out. I think there was there was that was the site that I built. Um there was another actually I’ll share with you in a second. Hold on. One more here.

    Um,

    okay, cool. Let me just play share this again.

    So, here you can view it on um Neil’s site here, which again shows the the offer that he that he shares on the tool. Again, it’s pretty crazy. It’s like less than 500 bucks for a full funnel of his brand new software launch, which I think was like 700 bucks in that launch last week. Plus, he’s giving you his prior launch for free, plus his next software launch for free. Plus, you get all of these and you also get my bonuses, which again, you get all these bonus. It’s a probably the biggest bonus pack I’ve done all year. And these again, you get my tools here included as well, plus you know, a few extra software tools of mine that I haven’t shared. Um, like the product of the day, launch engine. You’ll see it on the session. It’s worth watching this. I also put I also created a replay page myself to get the link out faster to you guys. So, if you guys have seen this page here, it’s it’s the same webinar replay that’s up. Um, and I got a section that says skip to where Neil takes over. If you don’t want to watch the whole thing, you can also change on these on these videos. Often I’ve got this um I can change it from 1 from 1x to 1 1.2 1.5 times the speed. You have it at 1.2 times the speed, it brings this down to 2 hours 50 minutes instead of 3 hours 30 minutes almost. And also I want you guys to know whenever you see these replays, if it looks like it’s a 3-hour webinar, there’s probably an hour and a half. That’s the core of it. the rest of it’s going to be the question and answers at the end and stuff. So, don’t ever freak out on that. Just, you know, um I’ll I’ll try to always have a button that will skip to where the main core content starts. But in saying that, there’s always useful bits on either side. So, yeah, check it out. All right, guys. I appreciate you all. Um let me go ahead and turn this on.

    I appreciate you all guys. Please go ahead jump in on this again. And it’s as simple as going to here, Billboard mate, clicking on this, checking out what you get. Come down the bottom, grab one of those five spots. I think three of them are taken now. So, there’s two spots left by the looks of it. Um, it’s only to a very small audience here. Type in Billboard

    Billboard five. Hit apply. 500 bucks comes off. Uh, you might even have the pay in four option here, which allows you to pay in four. um on the replay if these spots aren’t all taken, I will put a split pay option there as well. Um that you’ll be able to see below the video. Um if they’re gone though, they’re gone. Um and again, you get $997 coupon. This is like literally the price of this. It’s basically cancels it out. Get access to my multi,000 master class series that will be starting next month, which will bring you completely up to scratch over a handful of sessions. Uh, and then we’ve also got um the uh AI AI day pass toolkit uh which is going to again bring you access to over 3,000 AI tools without need needing a subscription. That’ll be set up this Thursday. Same with our video marketing tool. Uh video our video AI sales video creation session will be this Thursday too. And then you can use the coupon on any of these sites. Plus there’ll be more that I’ll add to this list later tonight. And you can or you can keep it for future as well. All right. So again, that’s the link. That’s the discount code. Uh I’ll share this one more time in the chat and then we’ll finish for today. All right. You guys are the best. I’ll see you on Wednesday. Wednesday is a pure value, nothing to buy training. Uh I’m excited for it. Um and I hope to see you on it. I will get this replay out today. Please do not share this around. This is only for my top 1% audience. No one else. Uh the replay will be up for maybe a day or so. Um then I’ll take it down. But if you ever do need anything from this session that you think in a month’s time, oh, I wish I could watch that again. Please let me know. I’ll have access to it. I just don’t want these tools being revealed yet. U because they’re not for the public to know about yet. You guys get early access cuz you’re you’re my most uh you’re my best audience members essentially. So I thank you for that. All right, guys. You rock. Anything you need. I am on WhatsApp. I’ve put the details for that here underneath all of this. You can go ahead and where did I put it? Here, contact me. Right. So, add me to WhatsApp here. Um, and I did see Alan, I saw your message come through a minute ago, so I’ll get you sorted in just a minute. Lance, you’re a legend. Congratulations for joining Theodore. Um, reply for me, please. Um, did you send me another message? Um,

    Theodore, let me know what it is um that you’re after, my friend, and I can go ahead. If you message me on WhatsApp, I’ll get back to you in a minute. Um, Joel, not exactly sure what that means, unless that’s your transaction number potentially. Um, all good, my friend. The replay for today is today’s session. Yeah. Cool. Yeah, I I’ll replay you. You didn’t say unit. I thought you said reply to me, please. Yeah, I’ll get the replay for today out as soon as it finishes rendering. Basically, when I hit stop here, takes maybe an hour and a half, 2 hours for it to become available and go to webinar and then I have to download it, upload it, and then AI does the rest for me pretty much from there. So, um next few next few hours you’ll get that replay today. Cool. All right, you’re the best. Um, also Lance messaged me on WhatsApp. If um, that means there there’s one or two spots left now. All right. Um, and if you do need a payment um, split payment link, let me know. It might be a little bit more over um, two, three months, but you’ll still be able to get in. All right. Um, all right. You guys rock. Appreciate you all. And I’ll speak to you guys soon. Thanks, guys. Bye.

  • 09/22/2026 – Alliant Webinar – Savvy Social Security – What Baby Boomers Need to Know About Their Retirement Income

    Hey, we’re going to let Hi everyone. We’re going to give it a minute or so to allow everybody to join and then we’ll get started here. So, just just give us a a minute and we will get going. Well, let’s go ahead and get started. My name is Malcolm Horn and with me is Kim Kennedy. We’re both financial consultants with Align Credit Union. And a common question they get is, “Hey, are you employed by Align Credit Union?” And yes, we are. We’re part of the retirement and investment services division of the credit union. We are located in Denver, Colorado with offices in Lakewood in DTC, but for anybody joining from other states, we are happy to do virtual meetings. And of course, if you live in Colorado and you’d rather do a virtual meeting, we are happy to do so. At the end of this, at the end of the today’s presentation, we’re going to answer any questions that that you might have. I apologize but this this webinar is not going to be recorded. I think we do have some recordings out there on YouTube talking about social security but this today’s presentation is not going to be recorded. Over the next week we are going to be reaching out to everybody make sure that we were able to answer your questions when it comes to social security. Today’s educa today’s webinar is purely educational. We’re not going to be talking about products or investments. It’s strictly, hey, this is what you need to know regarding social security if you have not applied for social security yet. We do have some upcoming webinars that we want to make sure that you’re aware of. We have coming up on Thursday, September 29th, we’re going to be talking about the good, the bad, and the ugly when it comes to annuities. People say, “Oh, annuities are bad. You shouldn’t do it.” Well, not necessarily the case. We want to make sure that we’re educating you on the different types of annuities and show you some are good, some are bad, and some are really ugly. And so, it’s a very good educational webinar that’s going to be look out for those emails that’s going to be coming up. Also coming up is Thursday, October 8th. We’re going to be talking about the seven principles of a successful retirement. things that you need to be aware of when it comes to retirement. Again, very good educational webinar to attend. And then of course, we have a lot of educational resources for you to get smart on various topics. We are not the only ones that do webinars. There are other financial consultants throughout our division that do webinars. Feel free to attend any of those. We produce a podcast that’s out there on our website on various topics. So you can listen to any of those. And then our website and on our website is financial information if you want a specific topic you want to learn more about or we also have a blog on various topics. So with that that’s all I have for you. I’m going to pass it off to Kim and she will get to the nuts and bolts of social security. Well thanks Malcolm and welcome everybody. And I believe Malcolm mentioned we’ll take questions at the end and just put those in the Q&A in the chat. And let me get set up here.

    Right. And yep, we don’t record. All right. So, here’s our agenda for date for today. Will Social Security be there for you? You’ve heard for years the system’s going broke. It’s your turn to retire and collect from Social Security and you need to know if it’s going to be there for you. How much can you expect to receive from Social Security? Well, part of being able to retire is understanding your income and also your expenses. So, Social Security is part of that income. When should you apply for Social Security? You can apply as early as 62 or as late as 70. And we’ll explain the differences of those various claiming ages. How can you maximize your benefits? Not a lot of strategies left. A lot of those options went away some years ago, but there’s a couple things left and we’ll show you those. And then lastly, will Social Security be enough to live on in retirement? Well, I’m sure some will do it at a on a shoestring budget, but Social Security was never intended to replace 100% of your income in retirement. So, the first thing we need to do is understand the value of Social Security. Malcolm and I hear from lots of people that they just tend to minimize it, don’t think it matters, don’t think it’s much. But the reality is that Social Security is a major source of guaranteed lifetime income for most Americans. In a lot of cases, it accounts for 40% of their income in retirement. And retirement has certainly changed. If you look at the triangle on the left, it used to be that you went to work for a company for 30 years and you walked out with a gold watch and a big fat pension and that kind of laid the f foundation of your income in retirement. And then on top of that, you had social security. And then the nest egg on the top, what you saved in 401ks, 403bs, IAS was almost like icing on the cake. Well, today, as you see that triangle on the right is flipped upside down. There aren’t that many companies offering corporate pensions anymore. And if you have one, you’re lucky. Consider yourself lucky. And that means that your decision around social security needs to be really smart because it is going to be needed for your guaranteed income in retirement. And then there’s a bigger reliance on your own nest egg, the monies you’ve saved in 401ks and IRA.

    And social security offers you income you can’t outlive. So for example, if your benefit is $2,000 today and you live 10 more years, you will have pulled out almost $263,000 from Social Security. And if you live another 30 years, you can see that you’ve pulled out almost $974,000.

    And I realize the dollar certainly doesn’t buy what it used to buy, but that’s almost a million bucks and it’s still a good chunk of change. And why that’s important is because we’re all living longer. A male today, age 65, has about a 50% chance of making it to age 87 and a 25% chance of making it to 93. Ladies, you you can see we have a 50% chance of making it to 89 at the age of 65 and a 25% chance of living to 96. And for couples, at least one person has a 50% chance of living to 93 and one a 25% chance of living to 98. My grandmother lived to be 6 weeks before her 101st birthday. Malcolm and I worked with an adviser who had an aunt that at 103 was still in her own home with some help, but it’s a long life, right? So, think about that for a minute. You know, if you retire in your mid to late 60s and live another 25 or 30 years, that’s roughly a third of your life. That means your money needs to last you a long time. Okay?

    Social Security also offers annual inflation adjustments. So it again if for example your benefit is $2,000 a month and just using a 2% annual adjustment in 10 years that 2,000 a month is 2438 a month and in 30 years it’s 3623 a month. And inflation adjustments are important because expenses constantly are going up, right? how they calculate that cost of living adjustment each year. It’s based on a CPIW index, which is the consumer price index for urban wage earners. And the good thing about these uh adjustments is it also applies to our unclaimed benefits. So, if you’re 60 or 62 or even 50, it doesn’t really matter. every time you’re going to get an increase each year on your Social Security statement, even though you haven’t claimed yet. Here’s a historical look at those cost of living adjustments, and you can see they vary a lot. I mean, look at 2010, 2009 after the financial c crisis, you can see uh two zeros. And then if you go all the way over to 2023 when we had that hyperinflation, you can see it was 8.7. 22 it was 5.9. This year 2026 it was 2.8. The way they calculate these is the the number comes out in the fall and then it goes into effect the following January. So anybody who was collecting social security this year got a 2.8% raise over what they were re receiving last year. And I’ve seen some numbers floating out there for for next year. I think it’s somewhere around 2.8 or three last I looked. So, let’s take that 2.8 uh from this year and just apply it to dollars. So, if your benefit was $1,000 and you got a 2.8% raise, it’s it’s only 28 bucks more a month, but does help offset whatever happens to Medicare. And if your benefit was 4 grand a month and you got a 2.8% 8% cola, it’s $112 a month increase to 4112. So the colas matter just based because they magnify on a larger dollar amount, you get a larger dollar increase. Social Security also offers survivor benefits. If both a husband and a wife have benefits and one spouse passes away, the surviving spouse gets to keep the higher of the two benefits, but not both. And this show shows the man making more than the woman. And obviously, this is gender neutral. It doesn’t really matter which way. But just to give you an idea, the surviving spouse gets to keep the higher of the two. So big question, a lot of talk about this. Will social security be there for you? Now, there’s a lot in the news about Social Security going broke in 2032, but let’s take a look and see what that really translates to.

    The income coming in was $1.449 trillion. that comes from payroll taxes that we all pay in from our paychecks and also interest on the special issue securities of the items in the trust fund. Expenditures 1.609 trillion that’s checks that are being paid out. And you can now see that what’s being paid out is greater than what is being brought in. And that that started happening in about 2021. So it was designed as a pay as you go system, right? So what comes in goes out, but we’re negative. So let me show you when that started. So if you look at this chart, the green represents the revenues. So if you look at the left back in 1980, the green revenues are greater than the blue line, which is the B benefits that are being paid out. So during those years, there was that surplus being built up. And then about 2021, that was the crossover where the benefits paid out is less than the revenues coming in. So that big date that you hear all over the news about 2032 is when that surplus gets absorbed and it’s no longer there. At that point at 2032, if Congress does nothing to shore up Social Security, Social Security’s not broke, but there’s only enough in there to pay us 81% of our benefits. So, nobody wants a 19% cut to their benefits. And I don’t think that is what’s going to happen. They are kicking around a lot of uh provisions that can or proposals that can shore up social security. And as with anything, this this thing has just been kicked down the can and kicking the can down the road and now 2032, right? This needs to be dealt with with this administration or the next because 2032 is right around the corner. So, let me share with you a couple ideas that they are considering. Number one, eliminate the taxable max on earnings subject to social security. So, excuse me, maybe you’re aware, maybe you’re not, but every year there’s a number that once a person earns that amount of money, they no longer pay social security tax for the remainder of the year. So, for this year, it’s 184,500. So, once somebody’s earned that, they do not pay any more social security tax for the rest of the year. If they eliminated that and had lifted that cap and said every dollar earned pays social security, which is what they did with Medicare a long time ago, that would cover all of the shortfall. Number two, if they raise the tax on earnings by 1%. So, as an employee, we pay in 6.2% of our check and our employer matches us and also pays in 6.2. two. If each of us, meaning us and the employer, pays a half a percent more, so we go to 6.7 each, that change alone would cover half of the shortfall. Number three, raise the normal retirement age, right? Uh right now, age 67 is for those born in 1960, just how it used to be, 65 and then 66 and 67. Maybe our kids and grandkids need to work till 70 before they collect their normal retirement age. That would cover a third. Uh number four, lower the benefits for future retirees. With all the advances in medicine and focus on health care, people are living longer. So maybe the formula needs to be adjusted to account for that increase in longevity. That change would cover a third of the shortfall. And lastly, they’re kicking around using a different metric to calculate that cost of living adjustment. I told you it was the CPIW. They’re looking at something called a chain CPI that has something to do with us uh changing our purchasing behavior based on prices going up. And the bottom line of that would mean that our increases to social security each year would be lower. So, I’m sure none of these things would be popular, but they’re also not the end of the world. I I think these are all reasonable, and there’s a lot of other stuff being kicked around out there. Um, so we’ll see. But the bottom line, what Malcolm and I believe for the baby boomers is you’re going to get what’s promised to you. We don’t believe you’re likely to be affected by whatever they reform. Maybe a change in the cost of living adjustment, but we we think that’s it. So, insight number one, Social Security is inflationprotected income. You’ve paid into it every single paycheck. So, be smart about how and when you collect it. How much can you expect to receive from Social Security? Well, your benefit amount depends on two things. One, how much you’ve earned over your working career. and number two, how old you are when you decide to turn your benefit on. So here’s how they calculate it. So at 62, they take each year’s earnings and they index them forward for inflation. They take the highest 35 years of earnings, not the most recent 10 or the high five or the contiguous six. I’ve heard all kinds of crazy things. It’s just clearly every bit of our historical earnings, index it forward for inflation and take the highest 35 years. From there, they come up with a monthly average and it’s called a AIM average index monthly earnings. And they take that monthly average and then they run it through a formula and the result of that formula is how much you will get from social security at your full retirement age. From there, they simply add the cost of living adjustment each year. So, here’s an example. So, let’s say somebody who earned that taxable max for social security every year since they were 22 years old, their aim or the highest average index monthly earnings anybody could have this year is $14,35810.

    So, here’s the formula. So, they take the first $1,286 and multiply it by 90%. They take the next $6,463 and multiply it by 32%. And what’s left out of that $14,000 number, they multiply it by 15%. And they simply add those three up. And you could see that the total or the primary insurance amount that somebody could receive this year, the highest anyone could get is $4,216.90.

    You may also have heard or read that they are thinking about means testing social security. Well, I would argue that they already do that. So, think about this. For example, let’s say you were a a low wage earner most of your career. Well, look at the first leg of this formula. You get a 90% income replacement on that first 1286. And you can at the second and the third leg, the more money you made, the less replacement of income in your benefit you’re going to get. So, they already do that. Here’s another chart that proves that as well. So let’s say you over your career you averaged about 50k a year. You’re going to get about 45% of that amount as your social security benefit. But jump over two blue bars. Let’s say your average earnings were 150 during your career. You can see you’re only going to get a 27% uh replacement from that income into your social security benefits. So they already do means test it. how to estimate your benefits. There is a an account that you could set up on the Social Security website that social securitycurity.gov/myaccount. Um, and if you do that, you can log in there anytime. You can see what your benefit would be at any amount. It has a really neat kind of a slide rule thing. You can see full retirement, you can see 62, you can see 70, you can see every age in between. It is a um really good I’ll just say surprisingly good website. My husband’s been on social security for quite a while. So I’ve looked at his account a number of times. I mean you can uh see what date your social security benefit is going to hit your bank account. You can see the deductions. You can see deductions like Medicare Part B taxes if you elect to have those withheld. If you want to change your address. If you want to change your bank information. If you need a new 1099. If you lost your Medicare card. It’s really useful. And we had a a identity theft webinar a couple years back and there was a former FBI gentleman that gave the webinar and he said this is way safer than um doing everything through the mail with social security. So take a look at that. That’s one way you can get your benefit. Um you can uh go to the my account and do an estimator. It’s really the same thing. Go to the slide rule. The biggest uh other question we get is the last one. There there’s a lot of calculators out there on the website where you can do some planning. So for example, I had a client who um wanted to retire at 55. She had a pension. She worked for Kors and she knew she wasn’t going to take social security until the earliest of 62. So she wondered how long or how much that 12 years of not earning was going to impact her social security benefit. So there’s a calculator out there where you can go in and plug in all of your historical earnings including in her case those zeros for the 12 years and see what the impact um to the social security benefit would be. And in her case surprisingly it was only $200 a month which isn’t bad for 12 years of zeros. So just different situations where there it might call for a specific calculation. They have a lot of those out there on their website. Full retirement age. So this is the age when you get your benefit without any reductions. So it depends on the year you were born. So if you were born between 1943 and 1954, your full retirement age is 66. And then down at the bottom, if you were born in 1960 or after, it was 67. And then you can see the years in between, it’s 66 and some months. This is what I would expect if they decided to bump it to 68 or 69 or 70 for for future retirees. You know, some kind of graduated scale like this. But for your purposes, now you know what your full retirement age is. Now, what you can apply as early as 62 for social security. So, what happens if you apply early? They’re going to cut your benefit and they’re going to cut it permanently. I make a big deal about that because you can find information on the Social Security website that reads as if, well, if I turn it on early, it’s less, but once I hit full retirement age, it bounces up. And that is not true. So, just know that if your full retirement age is 66 and you turn it on at 62, you’re getting a 25% reduction. And it’s a little worse if your full retirement age is 67 and you turn it on at 62, you get a 30% reduction. Now, you can see also the closer you get to full retirement age, the amount of the reduction is less, right? at 65 it’s, you know, 6.7 on the on the 66 column or 13.3 on the 67. Another question people usually ask is, well, what if I want to turn it on at 63 and a half? Well, those reductions are prorated by month. So, you you can do that if you choose, and they’ll just do the math and figure out what your reduction would be. Now, the other thing that happens to you if you decide to turn on your Social Security benefit early come comes into play if you decide to work and you are subject to what they call the annual earnings test. And here’s what it says. If you apply for Social Security before your full retirement age and keep working, there’s a limit um to when they will start reducing your Social Security benefit. So this year, $1 in benefits will be withheld for every $2 you earn over $24,480 this year. That number changes a little bit each year, bumps up a little bit. Now notice I said $1 would be withheld. So what they do is they withhold those dollars and then once you turn full retirement age, those withheld dollars get thrown into the basket and they recalculate it. Um, so for quick just for a quick if you were to earn let’s just say 75,000 three times that number all of your social security would be withheld. So we heard it a lot especially in the financial crisis and things where people are like I’m I’m laid off. I don’t have a job. They turned it on. Um, boom. Now what? you know, so you’re better off earning as much as you can in that scenario and having it all withheld and then it would be almost like you never took it. The other point I would make about this is people say, “Well, I can retire. I can work part-time. I can earn 40k a year. I can pick up my 62 social security. I’m good.” And not realize that they’re not going to get all of their social security because their earnings are over this this threshold. Um, you know, and I’m not trying to discourage you from working, but I’m just want you to be aware of what that annual earnings test is so you know exactly, you know, what you’re going to get if you do do that. And if you want to avoid the earnings test altogether, if you wait until full retirement age and turn on your social security benefits, you can keep working and earn as much as you want and they will not reduce your social security benefit at all. So the key is your full retirement age. Um, the other thing about social security is what if you decide you want to apply late, like after your full retirement age? Well, as with a lot of things in life, good things come to those who wait. What you end up getting if you wait is an 8% delayed credit. So, it’s simple interest, but if your full retirement age is 66 and you wait till 67, you get an 8% increase of that benefit. And if you wait till 68, you can see 16 all the way up to 32. And if your full retirement age is 67 and you waited all the way till 70, you’ll get 124% of whatever your benefit was. And guess what? They also add the cost of living on top of that. So, let’s say it’s 2%. That’s 10% a year for waiting. I realize the market has uh done more than that of recent years, but who knows how long that will last. It’s kind of nice ace in the hole.

    All right, this chart, I just put this in because it’s just a nice picture of viewing your full retirement age and taking it early or late. The top half is 66, the bottom half is 67. to the left of the full retirement age box by age you could see the percentage of reduction and to the right you can see the addition of the delayed credits. It’s just a quick easy way to kind of see the differences there. So the big question is well how long am I going to live and when should I take it? A lot of times we hear people saying I should take it early and save the money invest the money. So here is a what we call a break even analysis and let me just compare somebody taken it at 62 versus 66. So the 62 person is the orange line, the 66 person is the yellow line. That crossover or break even age is 78. So what that tells us is that if you believe you have a reasonable chance of living to age 78 or beyond, you would pull more money cumulatively out of the social security system by starting your social security at full retirement age versus 62. Now let’s compare somebody full retirement age in yellow versus someone who waits till 70 in green. You could see the break even age is 82 and a half. So, same comment. If you’ve got longevity in your your your family and you think you have a reasonable chance of living beyond age 82 and a half, you would pull more money cumulatively out of the social security system by waiting till 70 rather than full retirement age. Now, if you go all the way to the right of this chart and if we had numbers on these lines, you know, between they’re about a half a million dollars um between each other. So, somebody 62 to 66, that’s about a $500 gap. And the yellow line 66 to the green line 70 is another 500,000. So, it’s a it’s a big gap. But the question is, do you know if you’re going to live to 100? And if your if your game or your goal is to beat the social security system and get the most money you can, when do you know that you beat that? I mean, let’s say you’re out here at age 95 on your deathbed saying, “Yeah, I really stuck it to social security and pulled as much out of the system as I possibly could.” That is the standard view of a break even analysis, but I’m going to give you an alternate one today. So instead of thinking about how much money you can get out when and it on your deathbed you really stuck it to the system, think about it, you know, 85, 88, 90, 92. How much money or how much are those checks coming in every month at a time when you may be paying more for health care or prescription drugs? I mean, just how much money is coming in that will help you um meet the expenses of your life? I’ll tell you, both of my folks, long before I was in this business, both took their social security at 62 because my uncle did. It’s never a good idea to just follow along. And they in their 80s, I mean, they spend a good percentage, I’d say 30% on on uh health care premiums and prescription drugs. You know, every new prescription drug is never on a formulary list and cost, you know, hundreds of dollars a month. my two sets. Insight number two, your monthly benefit will be reduced if you claim early. It it could also be reduced for taxes if you choose to have taxes withheld from your benefit. And once you’re on Medicare, they automatically take the Medicare PartB premium out of your Social Security. You can elect to have other healthc care things taken out of there as well if you choose. And if you turn it on before full retirement age and you work, if you make more than that annual earnings test limit, your social security benefit might be reduced because of that. So just things to think about. You know, it’s not just going to be an exact here’s what the benefit is, I’m going to get all of that. These other things could impact you. Well, let’s talk a little bit about spousal benefits. when so social security was instituted in an earlier era when most women did not work outside the home, most married women did not work outside of the home. So to create a measure of financial security for women, social security came up with what was called spousal benefits. Um, and basically what it amounts to is that a spousal benefit is equal to 1/ half of the primary worker’s full retirement age benefit if the spouse starts at full retirement age. So in this case, here’s an example. John’s benefit is 2 grand. Jane did do some work on her own and her benefit is 800. If Jane waits and applies for Social Security at her full retirement age, she would get $1,000 because half of J’s benefit is more than all of her benefit.

    Obviously, if Jane didn’t work at all, she’d be getting the same thing. So, here’s some rules that apply to so spousal benefits. So, first the primary worker must have filed, meaning Jon has to turn on his benefits before Jane has the ability to access it access them. And the spouse must be 62. So, Jane would have to be 62 for a reduced benefit or full retirement age for a full benefit. So, we said Jane at full retirement age would get 50%. So, that’s full. If she tried to get a spousal benefit at 62, she’d only get 35%. So, it definitely goes down. And remember those really great 8% delayed credits that I spoke about if we wait for after full retirement age. Those do not apply to spousal benefits.

    Well, I’m already widowed or divorced. So, how does that figure in to my Social Security? Well, Social Security has something called divorce spouse benefits. So, you they’re the same as spousal benefits. If your marriage lasted 10 years or more, the person receiving divorce spouse benefits is unmarried, meaning you can’t be married and then try to get a benefit off your ex. Your ex needs to be at least 62 years old. And if the divorce was more than 2 years ago, the ex does not need to have filed for benefits. You could imagine the games if a if an ex knew that if he or she didn’t apply, that meant the ex couldn’t access the benefits. So, Social Security figured all that out. And there’s not a requirement there unless the divorce was less than two years ago. And they’re just trying to make sure people aren’t trying to gain the system. So, here’s the rules for divorce spouse benefits. More than one ex spouse can receive benefits on the same worker’s record. Benefits paid to one ex do not affect those paid to the worker, the current spouse, or other exes. So, let me let me give you a little example of all that mumbo jumbo. So, let’s say Bob Let’s say Bob was married three times, divorced three times. Each of those marriages was more than 10 years. Um, let’s say Bob’s benefit with Social Security is two grand. So, ex-wife number one goes in to claim a divorce spouse benefit at her full full retirement age. What is she going to get? A,000 bucks. Ex-wife number two does the same thing. She also gets a,000 bucks. And so does ex-wife number three. And let’s say Bob the Charmer has a current spouse, which would be wife number four. she could get a spousal benefit also of $1,000. So, it’s not a pie that gets divided up. Each of those ex- spouses and the current spouse would get that 50% uh benefit, you know, based on the age of claiming and all of that. So, I think when Social Security instituted these divorce spouse benefits, divorces weren’t as prevalent and clearly not multiple divorces. Uh, last bullet point on this slide is divorce divorce spouse benefits stop upon remarage. So certainly then you’d be entitled to the spousal benefits of your current spouse instead of the divorced spouse benefits.

    Okay. Survivor benefits. We talked a little bit about this upfront. When one spouse dies, the survivor gets to keep the higher of the two benefits. So here’s an example of um how that works. Joe and Julie are married. Both are over full retirement age. Joe’s benefit is 3,600. Julie’s is 1,500. Joe dies. Julie notifies Social Security and her $1,500 benefit is replaced by a 3600 survivor benefit. So, yep, Joe passes away. Julie gets to keep Joe’s at 3600 as her survivor benefit, you know, as long as she’s full retirement age. So the only thing about this slide is it says Julie notifies social security. Honestly now um hospitals, mortuaries, hospice. So they’re notifying social security right away. My dad just passed away last month and my mom called anyway and they already knew. So anyway, it’s just something that I think they’re cuz what they do if you died this month, they’re going to come in and take whatever payment they gave you back. So, I think they’re trying to get smarter and notify sooner so things don’t carry over for more than one month. Now, here’s an example of delayed claiming. Joe and Julie are married. Joe’s benefit is 3600, but he decided to wait till 70. So, he got 124% of that benefit. So, he’s getting $4,464 a month. Then, he dies. Julie will get the $4,464 a month, not the 3600, as long as she’s full retirement age or older before she claims it. So, that’s good to know. The rules that go along with survivor benefits is the couple must have been married at least 9 months at the date of death. The survivor must be at least 60 for a reduced benefit or full retirement age for a full benefit. So my example of Julie being full retirement age when she goes to get the survivor, she would get Joe’s 4,400 bucks. Survivor benefits are not available if the widow or widowerower remaries before age 60. I guess they think you’re long young enough that you can um get that from your second spouse. Unless that spouse unless that excuse me, unless that marriage ends, then you could go back and get the survivor benefit from your first deceased spouse. I guess you get whichever one is greater. And the last bullet point here, divorce spouse survivor benefits are available if the marriage lasted 10 years. So, if you remember Bob and his three ex-wives and his current wife, if Bob dies, all of those ladies just double their money. They’re each now getting 2,000 a month.

    Okay, survivor benefits is one of the most convoluted uh uh calculations within social security, but that it depends on two factors. So number one, the survivor benefit will depend on the age at which the deceased spouse originally claimed his benefit. They call that the original benefit. So think of Joe. How old was Joe when he turned his on? If Joe claimed before full retirement age, the survivor benefit for Julie is limited to the higher of the benefit or eight the current benefit or 82.5% of his full retirement age benefit. If if Joe claimed after full retirement age, then the survivor benefit will include any of those delayed credits. And that was the example I gave you of Julie. So the second piece of the puzzle with survivor benefits is the age at which the widow or widowerower claims the survivor benefit. They call that the actual benefit. So in my example, if Julie claims before full retirement age, the survivor benefit will be reduced. She can claim as early as 60, but it drops all the way down to 71.5% of the full amount. And if the survivor claims at full retirement age or after, then the survivor benefit will equal 100% of what Joe was getting or the original benefit. So, a little complicated. If you’re in this situation, when Malcolm or I reach out to you, um we can help you if you’ve got some numbers, we can help you walk through um this calculation if you like. So remember in the beginning when I talked about social or survivor benefits or taking excuse me when I talked about taking social security prior to full retirement age I said if you claim early you are stuck with a reduced benefit for life. Well survivor benefits is the only place in social security where you can take it before your full retirement age that doesn’t affect your own benefit. Right? because it’s based on a deceased spouse. So, this is the only place where you can do something before full retirement age and not impact your own social security benefit.

    Okay. Point number three, if you’re widowed or divorced, you may be eligible for survivor benefits, divorce spouse survivor benefits, divorce spouse benefits that can increase your monthly check. So again, if you’re in any of these categories, we are happy to help you uh take a look at the math on that and see if there’s anything that you might be eligible for that would increase your monthly benefit.

    When should you apply for Social Security benefits? Well, there are a lot of factors to think about when you decide to apply. Number one, your health status. Are you healthy? Number two, your life expectancy. Number three, your need for income. You know, if you need if you have an awful health situation and you’re not expected to live a long time and you need the money, well, by all means, take it early. Quit working. Enjoy what time you have left. Number four, whether or not you plan to work. That has to do with if you want to retire early and work and you’ll you be subject to that annual earnings test. And then lastly, your survivor needs. If you’re married and let’s say you’re the man that makes more money than your wife, uh, but you think you might pass away early, doesn’t mean you should necessarily take it early because you would be leaving your wife with a, um, potentially lower benefit. So, in married situations, you kind of need to factor in both your life expectancy and your spouse’s. So why delay your benefits? Well, bigger checks to start number one. So if we just look at the top line, age 62, you’re going to get if your full retirement age is 67, you’re going to get 70% of that. So let’s say you’re going to get 21,00 bucks. There’s no COLA. That’s the first year. Let’s drop down to age 67. So at age 67, you get a 100% of your benefit. Let’s without the COLA, that’s a $3,000 uh monthly check. With the COLA, it’s $3,312.

    And if you drop all the way down to 70, where you’re getting 124% of those delayed credits, that first check is 3720, but when you factor in the cost of living adjustments, that first check is $4,359. So, the colas definitely magnify the amount of money you’re going to to get. And I I didn’t bring it up when we were talking about statements, but when you look at your Social Security statement, let’s say you’re 64 and you go online and you see what your benefit is, that amount does not include the cost of living adjustment. So, when you do your planning, you know, with us or whomever or on your own, just make sure you factor that in. So, uh, here’s another reason why you might want to delay benefits. There could be more income later on. So, let me walk you through this. There’s three people. Somebody took it at 62, 67, and 70. Now, they’re all 70. So, the first line is the person that claimed at 62. They’re they’re now 70. They’ve been getting checks for eight years, and at 70, their check is 2,460 bucks. The person that claimed at 67 is now 70. Been getting checks for three years. And at 70, that person is getting $3,515. Now, the 70year-old, uh, his first check at 70 is $4,359.

    Let’s say all three of those people live 15 more years. So, if you drop down to age 85, the person that started at 62 is getting $3,311 at 85. The person that started at 67 is getting $4,731 a month at 85. And the person at 70 at 85 is bringing in $5,866 a month. not quite double what the person who started at 62 is. So again, it’s just part of thinking about longevity, inflation, uh your spouse’s longevity. You know, all of those are pieces of this puzzle. And you know, unfortunately, none of us have a crystal ball to know how long we’re going to live. That’s for sure. Um how can you maximize your benefits? Like I said earlier, most of the strategies um have been kind of taken away. Social Security made some big revisions some years ago, but here are a few things you can do. I mean, the first thing you could do is improve your earnings record. So, go look at your earnings record out on the Social Security My Account. Is it accurate? Mistakes are really, really rare, but every now and then, especially if you’re self-employed, um there could be an error. Are there any missing years? We had a gal come through our office and she brought her social security statement and right in the middle of her work history, there were like three years of zeros. Of course, that begs the question, hey, were you not working those three years? Were you in school? Were you taking care of little kids? is. And she’s like, “No, I’ve always worked. I’ve always paid into Social Security.” Well, come to find out, she was working for a company that was withholding Social Security from her paycheck, but not uh sending it into Social Security. A big no no. Some people went to jail and all of that, but almost everybody in her company’s record got fixed ex except hers. So, six months back and forth with the IRS and Social Security, her record finally got updated. And lastly, can you improve it by working longer? Remember, I said your Social Security benefit is based on a 35year average. Well, let’s say you only worked for 32 years. So, do you know what they do for those three years that you don’t have an earnings history? They use zer. So three zeros in a simple average is really going to bring down the the resulting number. So maybe it makes sense to work a year and replace a zero. Or if you don’t have any zeros, but you have some, you know, early years where your earnings were lower, maybe it makes sense to work and replace some of those lower earning years just to beef up your benefit. And again, one of those calculators out there on Social Security’s website, you can plug in all the numbers and say, well, if I work, you know, two more years and earn, you know, X amount of money, what will that do to my benefit? So, you can look there and go through that process and decide whether you think it’s worth it for you or not. Okay. applying for social security at the optimal time. You know, like my parents, just because your neighbor or brother or whoever applied at 62 doesn’t mean you should. Everybody’s got an individual situation. You need to look at your income needs, not just now, which I hear a lot. People say, “Look, if I take it at 62 and I do this, I’m good. But what about 10 years from now? What if taxes go up? What if inflation goes up?” So, I want you to think about your income needs both now and in the future. And then, you know, the the $20 million question, your life expectancy and your spouse’s life expectancy. So, there’s a couple ways to coordinate spousal benefits that are left that can can help. The first one’s called the maximization strategy. This is where the lower earning spouse’s benefit is more than half of the higher earning spouse’s benefit. In this strategy, both spouses delay until age 70. And what this does is it maximizes lifetime benefits over average or long life expecties. There’s also a hybrid strategy and in this case the lower earning spouse’s benefit is less than 50% of the higher earning spouses. So the lower earning spouse claims early and the higher earning spouse waits till 70. What this does is it generates some income sooner while maximizing the higher earning spouse’s benefit over both lifetimes, i.e. while that person’s alive and then also as the survivor survivor benefit for the surviving spouse. So that’s a couple different strategies that are still left out there. Okay. So when to apply? If you these are just summary points. If you apply early, your benefit starts lower and stays lower. Cost of living adjustments magnify the impact of early or delayed claiming. The longer you live, the more beneficial it is to delay. If only our crystal ball was working. Your benefit may be taxed and reduced to cover Medicare premiums. Don’t let the earnings test discourage you from working. Just understand how it impacts you. and delaying benefits may give uh your surviving spouse more income. Let’s talk a little bit about taxes. Some people are surprised to know that benefits are even taxed. Um so here’s the tax chart of how it works. They look at something called provisional income. So down at the bottom, provisional income is comprised of adjusted gross income. So earnings, dividends, rental income, pension income that’s taxable, all of that plus 1/ half of your annual social security benefit plus any tax exempt interest like from MUN bonds. Even though the interest is tax-free at the federal level, it’s considered part of this provisional income. So if you add up all that stuff at the bottom of the page, then you take it to these tax tables. If you’re married filing joint and all that adds up to over $44,000, you’ve just triggered the maximum taxation on your social security, which is up to 85%. It’s not an 85% tax. What it means is is if you take your total social security, 85% of that amount is what’s going to land on your 1040 and be taxed at your ordinary income tax bracket rate. If you’re single, it’s a little worse. you only have to hit 34,000 before you trigger that 85% tax benefit. So, you know, when this was started um back in the I think the 50% layer layer was mid 80s and the 85% layer was early 90s, they’ve never adjusted these brackets for inflation. So, you know, it probably didn’t affect a lot of people back then, but now, I mean, it it it’s not easy to stay below this. So we usually get the question what’s excluded from that provisional income calculation. So across the top is the formula adjusted gross income tax-free interest and 50% of your social security. That’s what’s used. What’s not included? Roth IRA distributions if you’re lucky enough to have a pension or annuity that’s non-t taxable. Qualified charitable distributions. If you’re giving away, if you’re over 70 and a half and you’re giving some of your IRA or other pre-tax money directly to a charity, you don’t pay tax on that. Inheritance, gifts, life insurance proceeds, qualified medical distributions from health savings accounts. Those are all the things that are not included in that provisional income calculation. So, ways to minimize um again, there’s not a lot. Those benefits or those tax brackets are pretty low. If you have income that you don’t need in other investments, consider repositioning those into tax advantaged investments, not mun bonds. I mean, what we’re talking about here would be uh cash value life insurance or tax deferred um non-qualified tax deferred annuities. Uh think about your IRA required minimum distribution. So, all the money we have in our pre-tax 401ks, 403bs, traditional IAS, none of that money’s been taxed. So at 73 or 75 depending upon when you were born you have to start taking money out and the first year is about 3.7 3.8% but that’s going to fall into your adjusted gross income and probably push you into a higher tax bracket. So maybe it makes sense to pull some of that money out to reduce that requirement by the time you hit that age. Convert traditional IAS to a Roth IRA. We Malcolm and I love Roth IAS. Uh but you know PE but don’t run out and convert a half a million dollar 401k to a Roth because you’ve just added $500,000 to your taxable income for the year. I mean we we help people with Roth conversions and Roth conversion strategies all the time. Makes sense to maybe do it at a certain time when income is lower um or you’re retiring midy year, you got you know six months worth of income. uh delay social security. It reduces the number of years your benefits are subject to tax. That’s it. I’m gonna skip these. Um so we want you to consider social security in the context of everything else you have going on, right? Don’t make a decision in a vacuum. Do you have pensions? Do you have IAS and 401ks? What do your required minimum distributions look like? What other investments do you have? And are you planning to continue working? We realize you probably have questions. When should you apply? What if you want to keep working? What if you’ve already applied? What will your benefit be? How can you coordinate? What’s the best long-term strategy for you? What do you do next? Malcolm and I offer a complimentary planning session. We call it a discovery session and where we gather some information from you and we run it through our software um and and just talk about kind of whatifs. What if you apply? When’s the best age to apply? What if you retire at this stage? So, I’m going to give you just a quick example of how that looks. So, this is Richard and Deborah. They’re both 62. Richard wants to retire at 67. He’s got some health issues. He thinks he’ll only live to 85. Deborah wants to retire early at 65 and she thinks she might live till 95. They have savings and they each have a 401k. Um, both of them are contributing the max to their 401k and their employers give them a 3% match. They each make 150. There’s their social security benefits. Richard at full retirement age is almost 41K. Deborah at 65 is almost 35K. Richard has a little pension. We factor in their living expenses. It has an inflation rate. We always break out health care because it’s a higher inflation rate. Travel, we break out because you’re probably not going to travel till you’re, you know, 95. Our software pulls in the actual IRS federal tax tables. We can pull in state tax tables from any state. In this example, I’ve picked Colorado. So, here’s their cash flow overview. So the red line that goes across the screen is those expenses that I just went through. How we’re going to cover those expenses are determined by the color of the bar. So on the left you see those teal blue bars. That’s the two of them working for three years. Then Deborah retires. Richard works for two more years. When Deborah retires, she’s turned on social security. That’s the Navy blue blocks. Richard retires in 2030. Now, there’s social security from both of them. The mint green is his pension. And then you can see there’s a little bit of yellow u on top of that getting them to their expenses. And that just indicates that they would need to withdraw money from somewhere to meet their expenses. But you go out about six or seven years and you see the orange that is above the expense line. And that orange means that’s the year that they must begin required minimum distributions. And at that point, you can see that they have more income coming in than they have planned expenses. And if it worked exactly like this, and we know it won’t ever work exactly like this, and uh Deborah lives to 95, she’ll have about $2.4 million left. Um we can look at tax bracket and see, you know, in those early years why they’re the first five years why they’re both still working. there there are some taxes but not over 24% and then when they’re both retired you see that block of you know six or seven years from Deborah’s retirement until they turn RMD age no taxes so those are the great years to do Roth conversions. So then we can do a whole bunch of whatifs. So the first thing I’m going to show you is what if Richard decides to delay his social security to 70? What is the benefit of him doing that? So, our software would lay that choice on top of the original choice of full retirement age. And you notice when he retires in 2030, on top of that blue bar, there’s a little bit of gray and there’s gray for a number of years. That means they would have less in their portfolio. Well, of course, because he didn’t turn on social security, and that doesn’t catch up and become a benefit until he’s 80. So that’s kind of the break even of that decision for Richard. So at 80, it would be a benefit to him. And from 80 till, you know, the end of Deborah’s life, that would add $240,000 to their portfolio.

    Some B not not a great benefit if he thinks he’s only going to live to age 85. Uh, but other benefits, I mean, if it doesn’t necessarily help Richard, it would increase the survivor benefit for Deborah, right? If she would get the age 70 benefit instead of the full retirement age, it’s a bigger social security benefit, so more of the income would be tax advantage because 85% of it is subject to tax. And while they wait to turn on social security, they would potentially be spending down IRA money, which would reduce the RMD. So, those are some possible other benefits of that decision. But what if we went the other way? What if Richard said, “Well, what if I want to retire early and turn on social security at 63? Is that a possibility?” Well, yeah, you see a lot of gray on this chart. And it costs them about a million dollar at the end, but what does that do to the cash flow? You know, they’re still fine, right? I mean, and so now at Deborah’s 95, instead of leaving 2.4 4 million to the kids, she’s leaving 1.3. And maybe that makes more sense to them. That might be a better value position if Richard does have health issues and wants to just get out and enjoy life. So, you know, all that is um if the numbers work, then it just becomes what’s in your heart and what what makes the most sense to you where you are in life. So, the bottom line is that social security is just too important for guesswork. Uh, you just got to make the decision in conjunction with everything else you have going on. I’m going to skip this because we’re running a I’m running a little late. Um, we’re here to help answer your social security questions. We can help you plan a retirement withdrawal strategy. We can help you decide by running a plan if it makes sense for you to spend down some of your IRA money and defer or take social security a little later. We can help you look at your employer plan and and determine what rollover options are available. We can create a Roth conversion plan for you. We can help you decide on what your best long-term strategy is. If you decide that it makes sense to move any of your retirement account money, we can make sure it’s done in the right way and there’s no taxes. Um the So, those are just some of the things we can do. We also we’ve partnered with a company called Trust and Will and anybody who becomes a retirement client with us, not just having money at the credit union, but if you go through a process with us and you decide you want us to help you with your retirement um investments planning, those types of things, we can provide this estate planning service to you at no cost. And as you can see, there’s a lot of different things there that this would offer. Um, so as I mentioned, we do complimentary foundation planning. We can do advanced planning uh for Roth conversions and look at taxes. I mean, we are not tax people, but obviously we have to be smart enough and our software is smart enough to look at the tax implication of things. just talked about in it’s estate planning, investment management. I mean, a lot of people don’t even realize Alliant has an investment management department. That that is what where Malcolm and I work and that’s the type of advice we serve and help our clients with. And there’s all kinds of different investment choices out there. And you know, we can help you decide which one is appropriate for you based on what you need, what amount of risk you’re comfortable with. Are your expenses a lot higher than your your income? Um, do you hate the stock market? Do you hate safe investments? You know, all those kinds of things come into making a decision. So, with that, uh, we’re going to open it up for questions. I know I ran a little bit over. Sorry about that. Um Malcolm’s going to come back on and I believe he’s going to start a poll. Oh yes.

    So the poll is um we’re going to reach out to all of you anyway. But if you want to get in touch with one of us sooner than later, you know, answer yes to this poll and um we’ll be happy to reach out to you first. Guess I didn’t turn my camera on. Let me see.

    Let me see. Your camera’s on, Kim. Oh, it is. I can’t see. Yeah. Okay. I can only see you. All good. Okay. Good. Good. Good. Me anyway. Yes. All right. So, here’s a question. Uh, could it be advantageous to take social security before 70 to cover the Irma expense rather than having to pay to pay it from investments? I will not need to depend on social security for income.

    So take it at before 70. So I think what is I think what he’s saying is he’s expected to have Irma expense. So his pure mean is going to be higher. Should he take social security to cover that, you know, higher cost of health care or continue to delay it? He doesn’t necessarily need social security for it. Well, he might be better off trying to do something to reduce the investment side of things so your income’s lower. I mean, yeah, that’s a strategy, but maybe Roth conversions are better. I mean, it depends on how many years you have between now and then. The next question, which you know, I don’t think we really get into much, but does anything change if you retire or reside outside of the US as an expat? I I’m going to say I don’t know. Talk to a tax accountant. Yeah, I think that’s into that too much. It’s very complicated. So, we don’t try to steer clear of that. I know there are certain countries that you can go to and it’s treated the same way, but yeah, talk to an accountant and because every country is a little bit different and we’re just not an expert when it comes to there. No. Yeah. So, uh, what other questions? I think that’s what I got off easy today. Yes, you did. I’m already running a little late. There you go. For clarification, is rental income a a potential if the 24,000 max limit for work before the $2 reduction every the annual earnings test. So, no, it’s it’s a W2, you know, sweat of the brow income. So, passive income doesn’t count on the annual earnings test. It does count on the AGI for provisional income, but not on the annual earnings test.

    That’s it. That’s it. That’s it. Guess your job. There you go. All right, everybody. We appreciate you um tuning in today and uh if you come up with any other questions, we’ll look forward to answering those when we talk with you over the next week or two. Thanks.

  • 09/22/2026 – How to setup an Open API connection with Webull

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    Hi everyone, I’m Dakota from Weeble’s UIUX team and today we’re going to talk through Weeble’s open API. Through Weeble’s local MCP server, you can link your account to an AI platform of your choosing. This allows for faster research, placing trades, and more, all through plain language. The process can be a little intimidating, especially if you have no development experience. [music] But I’m here to break it down as simply and clearly as possible. In just a few minutes, we’ll have your Weeble account connected and you’ll be up and running. There’s three things we need to establish this connection. [music] Your Weeble account and API credentials, the Weeble MCP server, [music] and the AI assistant of your choosing. The key idea here is that [music] to ensure safety and security, the AI agent itself never actually touches your credentials. [music] For that to happen, we’ll create a small configuration file on your computer. That file will hold your API keys and hand them directly to the local server process. The AI [music] talks to the server. The server talks to Weeble. It’s extremely important that you never [music] paste your credentials into an AI chat directly. Only using this configuration [music] to keep your account secure and safe. That said, let’s get started. First thing we’re going to do is log into our Weeble account just as [music] normal.

    All right. [music] And once we’re logged in, we’re just going to go up here to individuals, [music] then open API and get API key. From here, I’ll need to put in my trading password just as normal.

    And then I’m [music] going to apply for a new API key cuz I don’t yet have anything like this established.

    Make sure you [music] carefully read the add astation and risk acknowledgement so you’re aware of any risk that you might come across. [music]

    It will ask you to give an application name. [music] Doesn’t really matter what you put here. I’m going to be using cursor for this demonstration today. So I will use [music] cursor MCP as my title. I’m going to disable two-factor authentication. I do recommend [music] you keep that on, but for this purpose, it just adds an extra step that isn’t quite necessary. [music]

    Very important here, when you click this generate key button, a new pop-up window is going to come up and it’s going to show you your app secret and key. This is basically your username and password for the AI to recognize. Very important again that you don’t put any of this information directly into an AI chat or um show or share this with anyone else.

    All right. And now I’ve got my app key and app secret generated.

    going to copy those and save them somewhere secure. There are two tools that you may already have installed on your device. If you don’t, this process will install them directly. But if you don’t want to go through this process, all you need is Python version 3.1 or higher and a small program called UV. I would recommend checking the developer website at weeble.com just to confirm that the version of Python is up todate and compatible with the AI agent you’re choosing to actually install these things. I’m going to open up PowerShell, which is basically the commun uh the computer’s command center. Once I’ve got PowerShell open, I’m going to paste this line, which I’ve got directly from Weeble’s website, and hit enter. I don’t need to type anything extra. I don’t need to change anything. UVX is now installed. And I’m going to close PowerShell and reopen it to make sure that everything is done. [snorts] Once I’ve got that open, just to verify that everything installed correctly, I’m going to type UVX version. And if it gives me any number here other than an error, that means everything is installed correctly. As you can see, UVX 12.1 is installed, which by default will install Python when the command runs for the first time. Again, if you run into any errors there, it’s most likely because you don’t have Python installed. You can do that directly from the website. We also provide a link on weeble.com. Now that I’ve got all that done, I’m going to create a new folder on my desktop and I’m going to call that cursor mcp. This is where all the files related to the API itself are going to be stored. Once I’ve got that folder, I’m going to open cursor or whatever agent uh whatever AI platform I choose and I’m going to go to the IDE part. The IDE is basically a suite of coding tools that you can use to develop new code, debug code, things like that. Once I’m here, I’m going to go to preferences, cursor settings. and I’m going to find tools and MCPs on the lefth hand side. On this menu, I’m going to add a custom MCP. I’m going to delete all the information that’s in here. And I’m going to copy and paste this line of code directly from Weeble’s API doc website. And then I’m going to replace the app key in your app key with my app key that I got directly from the website.

    And I’m going to do the same thing with the secret.

    Once that’s done, hit enter. Ctrl S will save that line of code. And then I’m going to close everything and reopen it and confirm that what we did was successful

    just to make sure it’s working here. I’m going to test it and ask it to pull my account list. If it’s able to return all the various accounts that I have connected to Weeble, I’ll know for sure that it’s successful.

    And there we go. As I can, as you can see, we’ve got my futures account, my cash account, events, everything like that. Let’s do something a little more complicated, a little bit more fun. Let me ask it, what is my balance in the events account?

    All right, I’ve got about $65 in my cash account. Just as a quick example of placing a trade, let’s ask it what the five event contracts with the highest price swings in the last 24 hours are. and it’ll give me a good idea where other traders are focusing on and uh what kind of has the most volatility that I can capitalize on.

    Just a quick side note while that’s running, we does require a real-time market data subscription if you’re going to be placing trades or need the latest snapshot information. And there we have our list. It looks like most of the high price swings are concentrated in the Bitcoin series. If I wanted to narrow that down, let’s say to sports or index or any other category of event contracts, I can just tell cursor when I’m putting that in. But just for convenience sake, let’s buy this Bitcoin 63,500 or higher by 5:00 p.m. And I’m going to allocate about 10% of my buying power, which would be $6.50.

    And so what I’ve told it is to use $6.50, buy as many contracts as possible with that amount of money in the Bitcoin 635 or higher by 5:00 p.m. series. That’s going to run for a minute. The order should place and fill immediately, most likely faster than this prompt even finishes calculating. And just like that, my event contract order has been placed and filled. I now have six contracts of yes above 635 or higher by the end of today at 5:00 p.m. And there you have it. Now you should be fully set up and ready to go with agentic trading on Weeble. Thanks for joining us and make sure to let us know how you’re using these agents and what kind of trades and research you’re placing so we can continue to improve it for

  • 09/22/2026 – 警惕！2027年Medicare 大洗牌，对你的养老金影响有多大？

    如果你今年已经65岁，这个9月收到的Medicare寄来的信，你可千万别扔。因为明年2027年，有的人的药可能会变贵，医生也可能会变，甚至整个的保险计划都可能会消失。你好，我是Shirley，一个喜欢聊投资和退休的老朋友。

    最近有一条消息，做医保的Humana公司他们已经表示，2027年他们会停止部分的Medicare Advantage，也就是医保优势计划。大约会影响到60万名会员。这里我要说清楚的并不是60万人都会失去Medicare，而是这些会员目前他所在的，部分的Humana的Medicare Advantage计划，明年将不再续约。

    这些人必须重新选择2027年的医疗保险安排。那么这件事为什么偏偏现在讲特别重要呢？因为现在正好是9月。如果你参加Medicare Advantage，每年秋天保险公司都会寄给你一封非常重要的文件，叫做年度变更通知。而接下来的10月15号到12月7号，又是一年一度的Medicare开放投保期。

    年度变更通知这个名字听起来就有些拗口。其实你把它想象成餐厅每年换一次菜单就很好理解。比如说，去年30美元的套餐有牛排、有汤、有甜点，你吃的很满意，所以今年你就想着我还是点一样的吧。结果你没有看新的菜单，等菜端上来你才发现，今年的牛排变小了，甜点取消了，汤还要另外收费。其实Medicare医保也是一样，你没有换保险公司，不代表保险公司没有改变你的计划。年度变更通知就是保险公司提前告诉你明年的费用、医疗的覆盖、处方药的覆盖以及其他条件有哪些变化。去年选对了不等于今年什么都不用做，所以今年9月份拿到这份通知后，你不需要坐在那把十几页的英文从头读到尾，你先抓住三个字就够了。第一个就是要，第二个是医，第三个就是钱。

    我们先说药。把你现在长期服用的处方药全部都列出来：高血压、胆固醇、糖尿病、心脏病、血液稀释剂或者其他长期的药物。然后你对比检查2027年的药物目录。你要看的不只是这个药还在不在，还要看它所在的药物的等级有没有变化。比如说今年是第二级Tier 2，明年可能进入第三级Tier 3。今年只需要固定自付额Copay，明年可能就变成共同保险Coinsurance。你现在经常去的药房今年可能是优惠药房，明年也可能发生变化。一个月多30美元听起来好像没有什么，可是一年就是360。如果夫妻俩各有几种长期的处方药，这些小的变化叠加在一起，一年就可能变成上千美元。而且2027年的Medicare Part D的部分，已经有两个非常明确的数字的变化。2026年的标准Part D计划最高的免赔额Deductible是615美元，到2027年这个数字就提高到700。同时，符合规定的Part D部分药物年度自付门槛从2026年的2100，提高到2027年的2400。这里你不要误解，这并不是说每个人明年一定要付700美元免赔额，也不是说每个人都会花到2400。因为不同的保险计划的设计并不完全相同。真正重要的是，你不能拿着2026年的数字去假设2027年还是一样，一定要重新看自己的计划。

    药物费用上涨还是最容易看到的一层。真正可能影响退休生活质量的是第二个字——医。因为保险多几十元你可以算出来，但是当你真正生病的时候才发现你最喜欢、最信任的医生已经不在网络里了，这个代价就不只是钱的问题了。

    我们一起来看看医的问题。如果你参加Medicare Advantage，第二件你一定要检查的就是医生和医院。你的家庭医生2027年还在医疗网络里吗？你的心脏科医生、癌症医生、骨科医生还在吗？你最信任的医院、物理治疗中心、常用的药房还在吗？这些都不能因为今年可以使用就自动认为明年也是一样。特别是已经有固定专科医生或者固定医院系统的退休人，我建议你在做2027年决定以前，直接向医生的办公室确认他们明年是否继续接受你的Medicare Advantage计划。因为退休医疗保险真正昂贵的错误，有时候根本不是每个月的保费贵20、30，而是当你75、80真正需要大量医疗服务的时候，才发现自己最希望看的医生不在你的保险网络里。

    这也正是为什么退休规划不能只替今天健康的我做规划，还要替未来可能需要更多医疗服务的自己做计划。我们买房子的时候不会只看今天的房价，还会考虑到社区交通、以后生活方便不方便。医疗保险其实也是同样的道理，65岁时候一个计划便宜20美元当然很好，但是如果到了80岁，它限制了你真正需要的医疗选择，那么当初省下来的钱是不是还值得，就要重新计算了。

    第三个字就是钱。很多人在比较Medicare Advantage，第一个看到的就是每个月的保费，特别是看到0美元保费就觉得这个计划一定很划算。但是大家一定要记住，0美元保费并不等于0美元的医疗成本。你还需要看到它的免赔额Deductible、专科医生自付额、住院的自付额、门诊手术的费用、共同保险的比例等等，尤其是年度最高自付额。我们在健康的时候，这些数字看起来都离我们很远，因为每年可能只去医生那几次或者根本不去。但是退休规划不能只按照你最好的意念来计算，而要问个更重要的问题：如果明年恰好我的身体比较差，我最多可能需要从自己的口袋里拿出多少钱？这个数字才是真正应该进入退休现金流预算的数字。但是今年还有一种人需要特别的关注，就是你收到的可能已经不是明年费用要改变，而是保险公司直接告诉你你现在这个计划2027年不再续约。这个正是我前面提到的Humana，大约60万名会员正在面对的问题。这听起来不是件好事，但是我想说的是，这里反而可能会出现一个很多人都不知道的重要机会。

    那为什么说计划被取消可能是个机会呢？因为有些人，在65岁的时候选择Medicare Advantage，到了70、75以后身体发生了变化，忽然觉得自己更希望回到传统的Medicare的补充保险，比如Plan G。我在以前专门做过一期比较Medicare补充保险和Advantage优势保险的视频，你可以回顾看一下。这里我就不再赘述。简单地讲，补充保险比Advantage更灵活一些，有更多的选项，但是它也贵一些。在联邦的规则下，一旦过了最初的补充保险的选择期，并不是任何时候你都可以自动地从Advantage切换回来的，有时候是要做体检。这要按Medicare Advantage的计划，因为某些特定的原因中止或者退出服务的地区，那么符合条件的人才可能获得联邦规定的补充保险Medigap保证承保权。具体来说，在这种情况下，保险公司不能因为你的健康状况拒绝你，不能因为你的身体不好而加价，也不能对既有的疾病设等待期。时间的窗口大约是计划结束前的60天和结束后的63天，过了这个窗口，这个权利就不一定还在。

    不同的州的规则可能更宽松一些，所以你一定要按照自己所在的州确认。简单地说，如果你的计划今年真的被终止了，不要只问你的保险经纪还有没有另外一个Medicare Advantage。你应该先问问你自己：我的身体到底怎么样？我是不是需要比较一下Medicare补充保险？我在这里想告诉大家的不是应该选哪种，而是不要在你不知道自己有哪些选择的情况下就自动地进入下一个计划。

    那是不是说Medicare Advantage就不好呢？当然不是。Medicare Advantage对很多退休人士确实很有吸引力，有些计划保费很低，甚至是零美元，还有牙科、眼科、听力、健身等附加的福利。对于某些家庭确实很合适。我真正希望大家改变的是选择Medicare的思维方式，不要只问65岁的我今天每个月付多少钱，而是要问75岁、80岁的我，如果身体不好，我希望自己还有多少的选择权。医疗保险和投资其实是一个很相似的，不能只看今天最便宜的价格，而是要看未来承担的风险和限制。医保巨头Humana这次的计划退出直接影响到60万会员，值得我们注意。Medicare虽然它是联邦医保的一部分，但是它是由私人保险公司来经营的。保险公司必须计算成本和盈利的能力，如果某些地区或者一些计划不赚钱，公司就可能调整福利，缩小市场，甚至直接就停止计划。除了Humana，UnitedHealthcare、联合健康保险以及其他几家大型的医疗保险巨头在过去一两年也正在进行类似的规模削减和市场的退出。比如说UnitedHealthcare，它就影响到110万人。另外一个巨头Centene直接影响到34万会员。如果今天整个视频你只记住一句话，就是不做决定本身也是个决定。

    如果今年秋天你什么都不检查，就等于默认接受保险公司替你设计好的2027年版本。所以我给大家一个非常简单的时间表。第一就是通知信函。保险公司通常会在9月底到10月2号左右发出官方的通知，你一定要读。第二个就是开始做比较。9月份通知，10月份开始比较，10月15号开放申请，你可以在10月15号到12月7号做决定。最后一个就是特殊的转换窗口。如果你的计划被取消了，那么除了10月15号到12月7号这个常规的登记期，你还会有自动延续到第二年2月底的特殊的登记期。你的选择有两个：你可以选择无缝切换到本地其他仍然保有Medicare Advantage计划的医保公司，或者利用你的承保权益，免体检，重新回到原始联邦医保补充医保的传统组合。退休规划不是要求我们准确地预测未来，因为真的没有人能够预测自己75岁以后会不会生大病，也没有人能够预测保险公司5年以后会提供什么样的计划。真正好的退休规划是当未来发生变化的时候，我们还有钱、有时间，也还有选择。我们平时所说的社保、Roth conversion、RMD、投资和医保，看起来是几个完全不同的话题，其实最后都回到同样一件事：怎么让我们的退休生活少一些被动，多一点选择。

  • 09/20/2026 – Stock Market Outlook – Don’t Trade This Week Until You See This

    Hey yo, what’s up everybody? What’s going on folks? Welcome to the True Training Group live stream. Hope you guys had a nice weekend. I’m ready to get down to business here this week. I think that this is kind of a this is an interesting week. The reason why this is an interesting week is because it is actually the start of what is historically the weakest two weeks of the entire year. Now, if you look back over the last like hundred years and you look at every single month of the calendar, September is the weakest month by far um over the course of the last, you know, I’m talking about over history. But if you look at instead of just month by month, if you look at by four-week intervals, the weakest four-week period historically is the last two weeks of September and the first two weeks of October. And we don’t really have a lot of economic data that’s coming out this week. We don’t have a Fed meeting. We don’t have CPI data. We don’t have PCE data. We don’t have really huge earnings. September 30th is when you’re going to get Micron’s earnings. We’re also going to get PCE inflation data. That’s going to be a big day, you know, economic data wise. But this week, this week it feels like the markets are going to be free to trade more so on technicals and then obviously anything news related that centers around the Middle East and with the Houthis and Saudi Arabia or between the US and Iran. Um, and those news headlines are going to, you know, most likely they’re going to move the price of oil and then they’re going to move the price of the overall markets as well. But you have something else that’s happening this week that’s not really related to the stock market, but could end up providing s possibly news headlines that we need to pay attention to, and that’s the UN assembly. Um, Iran’s president is attending the UN assembly here in the United States in New York. Um, and I believe is also going to be giving a speech while there as well. Um, so it is going to be interesting to see what news headlines come from the UN. We could have news headlines that could pop up throughout the course of a trading day that could make the markets move up or could make the markets move down. So that is something that is typically not a catalyst that moves the market, but in this situation, it potentially could be. So just keep your ears open, keep your eyes open, you know, watch the news feeds. Obviously, we’re going to be letting our own news feeds kind of do the work for us and notify us if anything does happen or any news headline does come out that warrants our attention and could potentially move the markets. But other than that, there’s not much economic data that we have to worry about. And that’s going to be I like when that’s the case. I like when that’s the case because I can just look at a chart and without all of the noise behind what’s happening around us. I can just look at a chart and say, “Listen, chart tells me to go long or chart tells me to go short.” And we can just kind of lean on that direction. And right now, you know, I think the market’s giving a pretty decent signal for us when I take a look at the charts. If I, you know, look at right now where we are kind of in the pre-market session on futures, futures are up right near the high of the day. We’re up.3% uh on futures. So, we are having a nice open here um on the futures market, extending the the nice move into the close that we had on Friday. So, we had quad witching on Friday and we had a nice little pop into the bell. Um on Friday they took us all the way back up into you know into the black. We we closed right here at 761 and change and then just popped right after after hours popped it right up into go flat on the day and filled the entire gap down that we experienced on Friday. Um and then actually finished finished green and then now you’re getting a little bit of a followrough to that up.3%. Nothing major, nothing m, you know, we’re not up a point. I mean, we’re not up one percentage point or anything like that, but uh, you know, we’re up.3. So, and you’re getting a little bit more followthrough from that move at Friday into the close. And the price action that we saw on Friday, end on Thursday to me reestablishes a previous support level. And that’s something I’m going to talk to you guys about today on this live stream is the importance of um, looking for levels to reestablish. And what does that mean? Okay. So, I am going to go over that with you guys here today on this live stream. I’m also going to go over with you what I think we’re going to see from the markets this week. And what is my plan of attack? I’ve got a pretty big watch list this week. I’ve got eight stocks that I have written down right here in my notebook. I am old school. I don’t use like online stuff. I’m old school. I write it down in my notebook. This is this is where the magic happens right here. Got my pen. That’s it. and I just write everything down. So, I’ve got eight stocks that I’m looking at here. Um, I’ve got some longs, I’ve got some shorts, but my my plays this week are really going to be sectorbased. So, I’m not looking at necessarily one particular stock with its own individual catalyst. I’m looking for sectors to trade in a particular way this week. And we’re going to use that. Okay, we’re going to use that. Uh, I’m using active trader mode live trading right now. It’s just amazing. That’s that’s fantastic. I love that. CEOs. So that that’s one of our members they’re talking about. So ATM that’s active trader mode. What that is that is our latest um our latest AI tool release on the TTG platform and it is by far our most advanced as well. Um it is our premium product. It has our strongest most powerful version of our model which is Mari. And yes it’s it’s our model. We do have our own model at True Training Group. We do serve our own inference. At true trading, we have made the very large investment over the last two years to um build out our own AI infrastructure to provide our members with the tools and resources that they need in order to help them become better traders, in order to help them to make money. And at the end of the day, that is really what we are all uh here for and what we’re all all going to be, you know, it’s why you’re here with me on a Sunday evening at at 8:11 p.m. uh instead of getting ready for for kickoff, right? You got you got another game coming up. Some shocking shocking games this this second week, man. It’s like, who would have thought? Who would have thought the Chargers suck? Who would have thought that, you know? I mean, and I’m really upset that the Chargers suck because I’m not because I’m a Chargers fan, but because I have Herbert as my quarterback in my fantasy league and he’s done nothing. He’s done nothing. So, I’m going to have to bring in I’m gonna have to bring in the backup, I think. I I think pretty soon. I’m really disappointed in the Chargers. The Falcons are terrible. The Titans are terrible. The Bucks are terrible, which also sucks because I have Amika Ibuka on my team as well. So, just some crazy stuff. Some crazy stuff. um happened this weekend, but we’re not here to talk about sports. We’re here to talk about stocks. So, there’s a lot that we are um gonna go over here. You don’t have Jen Daniels. Yeah. No. Jayen Daniels hurt again. I feel so bad for that guy, man. Jayen Daniels hurt again. Caleb Williams went down. NFL is crazy. NFL is crazy, man. Man, man, it is crazy. But anyway, let me digress. I don’t want to get get caught up in that. I can talk about stocks and sports all day long. Let’s get into guys what we’re going to go over here tonight. Like I said, I’m going to give you guys my plan of attack this week, what stocks I’m going to be trading, my entries, my exits. There are two positions I’m already in. I will update you on those. One of them is a half position size because I’ve already taken profit on the trade, but I’m still in half of it. And then the other position is around 20% because I’ve already taken 80% of that position off the table for profit as well. But I still have them. So, I will update you on those positions, what I expect them to do from here on out, and then give you the new stocks that are on my watch list with my entries and my exits planned out here. for this week. If you guys are new, right, if you guys are new to the channel, welcome. Okay, welcome. My name is Michael Lever Paradi. I go by Michael Lebert. I’m the co-founder and head trader of True Trading Group. Um, in case you guys um did not know, True Trading Group is not just a chat room with trade alerts and courses. True Trading Group exists to help you to learn, learn faster, trade smarter, and to profit sooner. And we do that through a fintech platform that is known as TTGAI that provides AI tools. um re other resources, data, analytics um that allow retail traders to have the same type of equipment and the same type of information available to them that professional traders, institutional traders have when they make their trading decisions. It is a platform and a system that gives retail traders that use it a distinct advantage over others that do not. That is not just me giving you my opinion. That is me telling you what 11,000 members of True Trading Group have said themselves. Um, so this is also a platform that has received the global benzinga fintech award for best AI analysis tool. We are partnered with and powered by the NASDAQ, Benzinga, OpenAI, DataBento, Unusual Wales, and a few others. So, um, big shout out to all of our partners that, you know, work with us and and allow allow us to build out the platform that we have that’s created the systems that our members are able to use day in and day out. That’s what that one member was talking about when they said uh, ATM. That’s active trader mode. Active trader mode is I want you to think of it almost like a claw code, but for trading and finance related specifically. We actually allow um our AI actually can connect to uh to our members brokerage accounts and this member right now is trading futures um with active trader mode. And active trader mode is something that you can either you know give it direction. It can just trade for you the direction that you give it. You can have it come up with its own trading plan itself and then you can say hey you can approve or or disapprove the plan. It can go ahead and trade it for you live. It gets to know you the individual. It understands your risk. It’ll position size properly. it’ll move the stop loss if it feels it’s necessary to to you know preserve the profits on the trade and allow you to trade without emotion and and that’s really really I think one of the biggest things for retail traders is that retail traders the average novice you know retail trader just simply cannot trade without their emotions involved and they make decisions based on emotion they make decisions based on how much money they’re up how much money they’re down or how much money they just were up and what they’re up now and it just it always leads you down the wrong path Really successful traders don’t trade based on emotion. They trade based on a system. They trade based on a rule set, right? They say, “Okay, I’m going to buy the stock at 100. I’ll stop out at 98. I’m going to take profit 102, 104, 106, and 108.” Um, and they’re not going to do anything until those price levels are met. And, you know, a novice trader is going to see big green candle. They’re all excited. They’re not going to take profit. They think it’s going to go further. Then all of a sudden, it’s going to pull back and like, “Oh man, I was I was just up 500 bucks. Now I’m only up 300. I should probably just get out now before it goes to zero. 300 is better than nothing.” and they’d sell it and if they held on to it for another hour, they’d be up a thousand. It’s like you guys have all been there. You guys, I know you guys know what I’m talking about. But I think the biggest um detriment that a lot of, you know, lesser experienced traders really struggle with is trading without emotion. And active trading mode is one of the systems that we have at your trading group that allows you to completely remove yourself from the actual, you know, execution of the trade. you can remove yourself from the actual analysis of a trade if you wish. But if you want to provide an analysis and then you can have it traded for you, you absolutely can do that. Uh that is what one of our members was talking about um just now when he said ATM that stands for active trader mode. And again that is our latest and our most powerful and our top premier product that we have at your training. Right? So it’s a fintech platform. You guys get a whole suite of AI trading tools um that you guys can use. Like we even have one of I can actually show it to you. Brett, if you have it, you want to maybe pull up the holy grail. I can show people that one real quick, too. I don’t have my active trader mode open right now. I can’t really show you that. But, um, I can show you just this the holy grail uh tool that we have at True Trading Group. It’s just a trade plan generator. So, essentially, if you don’t know where you should get in and where you should get, you would go to our our um trade plan generator that we call the holy grail. You select what type of security you want to trade. So if you want to trade an option, you select option. You want to trade a futures contract, you select futures, crypto, stock, whatever, right? You want to trade Bitcoin or you want to trade shares of something, doesn’t matter. You select what type of security you want first. Then you type in the ticker symbol. Okay? So for this Brett, just put like equity, just put the spy. And then you put your account size. And then you put how much you want to risk on the trade. And then you select the trading style. Now, the trading style is either going to be a scalp trade lasts a few minutes, a day trade trade that lasts a few hours, a swing trade trade that lasts a few days, or a long-term hold, the trade that lasts a few months. And then you go ahead and click run analysis. You wait around 30 seconds and then you will get back a full detailed trading plan with an entry, a stop-loss, multiple profit targets, position size, the option contract you should trade if you did select option as the security type that you’re looking to trade. And all of this also comes with a confidence score. So it’ll actually tell you how confident it is in the analysis and in the trade plan that it is giving you. Um, which is big because when we get a 70 75 80 82% confidence score, we take those trades all the time. When you get a 54% confidence score, that’s something that we’ll typically go ahead and skip. Okay. Um, this is not an a this is not AI that’s making this decision for you. I want to make that very clear. This trade plan generator is an algorithm that is based off of my strategy, style, and analysis. It considers every single technical indicator you can possibly imagine. Support and resistance structure, chart patterns, candlestick patterns, volume, you name it. Considers all of it. Considers macroeconomic data. Considers new sentiment. Considers the market regime. All of it. Okay. Um, and this is what the report looks like. So, it’s just 30 seconds. You get a full report. There’s a summary here at the top. And as you scroll down, you’ll see a breakdown of three different agents that one will be one is a technical analysis agent, one is a macro news agent, and the other one is a wildcard agent. And there’s a summary from each of them. And as you scroll down further, it’ll give you the entry. It gives you the position size based on the risk that you selected. Um, and it gives you a stop-loss. It gives you the the profit targets and the reasons why. And this is an unbelievable tool that we have at your training. You guys do get this when you become a member. um or you guys get the ability to to get the holy grail tool. There is an additional charge um from the annual membership, but it’s so well worth it. It’s not even funny. I mean, honestly, we probably should be charging two to three times more than we do for this tool. Our members have generated almost 700,000 trading plans with this tool so far, and the win rate is just over 70%. It’s absolutely out of this world amazing. Okay, so this is just one of the tools that we have that’s part of the the platform. I already mentioned to you that active trader mode is is something that’s really amazing too. And then we have a bunch of other stuff as well. I’m not going to sit here and make this live stream a whole infomercial about our platform. It would take me we have so many amazing tools and things that I would want to show you. I would sit here probably for the next hour, hour and a half just showing you a bunch of the stuff on our platform, which is what I’m not going to do. If you want to see everything that we have available on the platform, you guys absolutely can do so. There’s a 90-day trial. You can come check out this platform. Come check out the systems. Use it all yourself. And I’m telling you guys, you’re going to want to use these tools. At least try them out because we have 11,000 members at your training group from 114 different countries. We have a retention rate that’s well into the mid70s of members that stay with us. And the reason why they stay with us is very simple. It’s because they actually make money. Members of your training group are making money. And that’s the most important thing. And that’s why you guys are on this live stream. If you’re not a member, pay attention real quick. Let me show you this. members that are that are on this live stream. If you are a member, type the number one. If you’re making money because of TTG, you guys are becoming better traders because of TTG. Type the number one in chat right now. And anyone that’s on this live that’s not a member, pay attention to how many people you see type number one because all these people are your peers. If they can do it, there’s no reason why you can’t. These people are not smarter than you and they sure as hell don’t have more time than you. 82% of our member base has a full-time job. So, I don’t want to hear that excuse. Our entire platform is built for people that have full-time jobs and that are busy. That’s why things like active trader mode exist. So, you can actually sit there and say, “Hey, you know what? If Tesla gets to 360, I want to buy, you know, some call options and, you know, active trader, you know, Mari is the model is the name of our model. Mari, you go ahead and trade it for me, but I want to go long if this thing gets into gets around 360.” And then Mari will go and Mari will come up with an entire trading plan. will actually trade it for you in your account while you’re on your way to work or you’re in a meeting or whatever it is. Or maybe you’re at your kids soccer game or maybe you just don’t trust yourself to actually execute on the plan that you’ve come up with. Whatever it is, either way, the systems and the tools are available to you on this platform if you guys want to use them. Go to truerainggroup.com990. You can try the system out for 90 days. Okay? I don’t mind allowing you to try it for 90 days because I believe that if you try it, you guys are going to do well with it. You’re going to see improvements. you guys are going to make some money and then I think you’re going to want to join us for a full year. We actually lose money on all of our trial members because we’re going to we’re only going to charge you a dollar a day. So, it’s 90 days for 90 bucks. The AI tools that you’re going to have access to it everything is usage based, right? So, it’s going to cost us more than a dollar a day. And I don’t mind. I’m I’m fine with that because if our stuff is as good as I say that it is, then I should have no issue investing that money up front because that’s essentially what I’m doing. I will invest the money upfront because I am confident that you will invest the money later. That’s just a business decision and it’s worked out very well so far because the retention the excuse me the conversion rate from trial member to annual member is incredibly high. We actually have a lot of members that go from trial right to lifetime member. We have we have literally have a bunch of people that just after the 90-day trial they’re like I don’t even want an annual membership. I want a lifetime membership. We do have a lifetime membership available at your training group. Obviously, it’s a lot more expensive than an annual membership, but if you plan on being here for a while, then it’s the right move. It’s it’s the smart smartest thing for you to do. All right, so go to trueraininggroup.com. But I’m not talking about a lifetime membership. I’m not talking about an annual membership right now. Just do the trial. Go to trueraining.com990. If you have any questions, text us 1888-621-2127. Phone numbers at the bottom of the screen if you need it. Okay, that’s 1888-621-2127. Phone numbers at the bottom of the screen. if you guys need it. Okay. All right. With that all now being said, let me take one more quick check back in on futures. Make sure nothing has changed. Nope, we’re still at.3%. No change there. All right. So, let’s go through here’s the overall markets and let’s talk about kind of where we find ourselves now. And it’s it’s really really interesting because um we had a huge huge gap up on Thursday and it caught a lot of people off guard including myself. Um I said to you guys I went live on this channel on Wednesday after the Fed meeting and the market sold off during Kevin Walsh’s speech after they raised rates by 25 basis points. They sold off right into a major level of not a major level but I say a key level of support and then that area held. We bounced back to close the day on Wednesday and then massive gap up on Thursday. And the gap up caught me a little off guard. I’m not going to I’m not going to lie to you. Even on Wednesday, I said to you guys on Wednesday, if you go back and watch my live stream from Wednesday, I said I’m not bearish on Thursday. Meaning like I don’t think the market’s going to sell off again on Thursday. I said this on Wednesday night’s live stream. It’s on this YouTube channel. Um, and I I said I think that we might, you know, try to bounce back up into like the 750s. Um, and get back into like a 756 was what I said. 756, maybe 757. Um, but then I think we stay underneath 757 was what I was what I said on on Wednesday. But I was like, I don’t think we’re going to sell off again Thursday, but I think I think we’re going to bounce back into the seven like 756 757. Well, we bounced back a hell of a lot more than that. We went all the way back to 763. And that takes us back above the 50-day moving average. And that takes us back above a previous level of support that looked like it had been broken on Wednesday. And that takes me to what I mentioned to you in the very beginning of this live stream is what does it mean when a stock reestablishes a level? when a support level is reestablished or a resistance level is reestablished. Okay, I’m going to go over with you here right now an example of a support level being reestablished. What does it mean? What does it look like? And then what do you do with that information afterwards? But then I’m also going to show you one of the stocks that’s on my watch list is when a resistance level is reestablished. So first, what does it mean to be reestablished? Well, it is when you have a clear technical level, whether I’ll be support or resistance, doesn’t matter. In this case with the spy, it was a support level. When that support level looks to be broken, meaning you trade significantly through that level and you trade through that level enough to the point where you would look at it and say, “Okay, now that level is broken.” And very quickly after the level is broken within the same day or the next day that level gets taken right back. That then is called a failed breakdown if it was a support level or a failed break out if it’s a resistance level. And when the level is reclaimed, meaning that’s when you, so let’s say you had support at 756 on the spy, you broke beneath it. You went to 750. You say, “Okay, level’s broken.” When it reclaims 756, that means it got back above 756. It reclaimed the level. But to reestablish the level means after you reclaim it, you back up into 756 again and it’s support. and then it’s support and then it’s support and now all of a sudden the support level that looked like it was broken is back. That’s what it means when a level is reestablished. Same thing with resistance. If you had a $400 level resistance stock breaks through 400, goes to 409, you’re like, “Wow, this level’s broken.” And then one or two days later, you’re back to 396. The resistance level has been reclaimed. you’re back underneath the resistance level. And then the next day, the stock rallies up to 400. It gets to 400, 401, drops down to 395. Rallies back up to 400, drops down to 392. That is the resistance level re-establishing itself. Okay, there are two examples that I’m going to go over with you on my watch list for this week that have a situation where a level has been reestablished. And as I sit here looking at the spy, if I take out take out anything that’s noise related, if you just look at the chart, it’s tough not to say that the better setup right now is long. The better setup right now to me as I look at the spy is long. And a lot of that has to do with the reclaim and the reestablishing of previous support. Now you got futures are up a little bit.3% nothing major but we are green and there’s two very important resistance levels that I’m going to be focusing on because although I’m sitting here right now telling you that I think the better looking setup is long. I’m still not sold on like a really high conviction dig my heels in long. I think in order for me to get a high conviction, dig my heels in long, meaning I’m just going to be buying pullbacks because I think we’re going to get a really strong directional move. I’m not there yet. Okay, the markets have been in in a digestion consolidation phase for the last two weeks. And usually when markets go through a digestion or consolidation, my conviction level is not as high because we’re not getting a directional momentum move. But as soon as I feel that we are going to get a directional momentum move, which means the market’s going to clearly move in one direction for the next one or two weeks, not just green today, red tomorrow, green the next day, red the day after that. That’s consolidation and digestion. That’s what we’ve had for the last two weeks. I’m not cons I’m not convinced yet we’re about to get a directional momentum move to the upside. I’m not. But the chart has me leaning to a slightly bullish bias coming into the week. And now knowing that we’re not that this is going to be a very light economic data week, maybe we can just trade strictly off the charts and then give or take a couple of news headlines that center around the Middle East. And I’m telling you right now, I just feel like that UN assembly meeting this week, it could end up being the wild card. It could end up being a wild card. If there is if there is any situ if there is any scenario where if there is any scenario where Iran’s president and President Trump sit down in a room together, you know, you’re going to get some piece of news around that. You’re either going to get they were just in that room for two hours and they walked out and everyone looked looked happy. not happy, but you know, they walked out and after a two-hour meeting, the markets are probably going to move higher because they think that maybe progress was made on negotiations. If they walk out after 10 or 15 minutes, then everyone’s going to the markets are probably going to drop because they feel like they tried to talk and it went nowhere and they said, “F you. F you.” And they both left, right? That’s exactly the way that the market used to react back in 2018. 2018 we were in the middle of the USChina trade war and it was like almost every couple of weeks the US and the Chinese negotiating teams would meet in person and the market would react to how long the meetings lasted. I’ll never forget it. There was one day back in 2018 where literally after 15 minutes they everybody walked out and they all left. Full full negotiating teams. They walked out and they left and the markets just tanked because like obviously that the meeting went very poorly. if you you sat down for 15 minutes, right? So, these are the things that could provide us with maybe direction of momentum this week, if you get some news headlines around anything that goes on with the UN assembly and that could give us obviously a big big move higher, big move lower depending on what the news is. So, that is something that you’re going to have to keep in the back of your mind as a wild card that could move the markets in a way that we can’t necessarily foresee happening yet. Okay? So, just bear that in mind. But as I sit here and I take a look at the spy, like I said, I am leaning towards an upside move. Um, but there’s two resistance levels that we’ll focus on. First, I want to go over with you guys, uh, re the reestablishing, um, the reestablishing of a support level. Now, I just drew this line for you right here. I just drew it across my screen. And what you’ll see here, and I’m just going to show you guys this because this used to be the support level, right? So, here was previous resistance, previous resistance, right? And then here is gap fill. So this was your previous all-time high resistance. We broke through that, okay, in the very end of July and early August. And then after we broke through that, the markets pulled back down into this level multiple times. And every time that we pulled into this level, that level had held until the Fed day. And then this big red candle is the Fed day. And on the Fed day, we broke that level. And then you had this massive gap up the next day. And this gap up reclaims the support level. You can see how now we’re back above that level. And then what happens on on Thursday and then what happens on Friday? We pull back down into that 50-day moving average. The 50-day is the dark blue line you see on my screen. Okay? We pulled back down into that support level and then bounced off of it. Two days in a row with really nice bottom tails. Look at the size of these bottom tails. These are really nice bounces. So both days we pulled back down in. So we gapped up to the 760s both days. And both days we pulled back down into those 750s. We got back into that support level. And both days we bounced off of it and closed well off the lows. Both days. That tells me that that level has been reestablished.

    And that level being reestablished tells me we should be looking long. And there are two resistance levels that we need to focus on. One is 763 and a half. The other is 766. These are your next two two resistance levels. Okay. Now, I just said to you before, I’m not sure about a directional momentum move or sinking my teeth in long, but I think if you get above 766, watch out. I think if you get above 766, you could see a directional momentum move that could take us back up into the mid70s, okay? Right back up into 774 and get back into this double top that we experienced back in early September and late August. Okay? Because that would be the resistance level then after that. So you get through 766. I think there’s room to the upside here. And what would fuel it? You might be saying, “Well, Mike, what would fuel the stock markets to move, make a move like that?” Well, any type of positive news that happens with the US and Iran or anything like that could get the markets moving higher. But forget it. Let’s put that aside. Put a potential news headline because we I can’t I can’t trade off of potential news headlines. That’s that’s not the way that I trade. Um I will react to, you know, news headlines, but I’m not going to try to position myself because I think we might get news this week. Like, that’s just it’s not the way that I trade. It’s not the way that I suggest anybody trades. Um, but I just explained to you in the beginning of this live stream that we are about to enter historically the weakest 4-week stretch ever. Like in the in the year 52 weeks in a year, the weakest four-week stretch historically speaking over the last 100 years is the last two weeks of September and the first two weeks of October. And if you really want to narrow it down even smaller to what’s the weakest two week window, it’s the last two weeks of September. And it’s even more weak or it’s even weaker, I think, is the proper English there is true when it’s a midterm election year, which we also have. And I’m telling you that because a lot of people in this market have positioned themselves for a downward move over the course of the next couple of weeks. There’s been a lot of hedging. There’s been a lot of shortselling. There’s been a lot of profit taking amongst the institutional community and hedge funds and and all the like.

    If this market were to start to move higher, it could force an unwind of those hedges and you can get another potential short squeeze type of move. That is exactly what happened in the end of July. This move that you saw here, the end of July, early August, this was a short squeeze. Bearish positioning had gotten very, very heavy. Okay? I did live streams with you guys in the month of July explaining to you about this short squeeze. I posted on my ex account about the short squeeze. We literally called the short squeeze July into August because of market positioning. Market positioning is something that I focus very much on. I learned about market positioning when I worked at a hedge fund in New York City. It’s my first job at a college. It’s where I got my start as a trader. We focus on market positioning very much because it’s a really good, you know, it really helps you with with overall market direction and understanding market positioning. right now market positioning is

    I’m trying I don’t want to I don’t want to overplay the bearishness because I don’t want you guys to think that like the market is positioned bearish because it’s not but hedges and short side positioning has been increasing pretty rapidly in the month of September. So if you start to break above a couple of resistance levels that could force an unwind and the markets could have like a two to three day like boom boom boom and you’re like why is the market going higher? And that’ll be the reason why just like you had in the end of July and early August you have the potential backdrop of that setup forming again. And I’m telling you that I think above 766 you could get that trigger that pops it and starts some of that unwind of hedges and short selling. Okay. So, what I’m going to be doing tomorrow, now listen, barring something crazy happening in the overnight session, but if we open up tomorrow and we are right around where we find ourselves now, I will be looking for support at 763, any pullback on the spy into 763, 764. We are looking for there to be support there to go long and the target would be into 766. We would take profit at 766. If you break 766, hold. Okay, I’m not selling my whole thing at 766, but if you break 766, I would hold. Now, if I wake up tomorrow morning and the market’s gapping all the way down and the spy opens up at 761, then I’m not going to obviously this this this plan that I’m giving you right now gets thrown out the window and I’ll reassess in the morning and I’ll come up with a new plan. But, as it stands right now, that’s my that’s what I’m going to be doing going into this week. Okay, that’s a spot. Let’s go over some individual stocks positions. I’m already in AMD. I am long AMD from 535. We entered that trade on Thursday. Uh we got a beautiful follow-through move on Friday and I’m still long 20% of my position. We will be taking that position off the table here this week. Okay, I held on to 20% looking for more upside. We got beautiful upside follow through on AMD um on Friday right into the close. you know, a little quadriing. I’m sure I had something to do with that little move there, but the 560s is my target. That is my resistance level, and it is just the resistance level that you guys can see from back here, this rounded top in the early summer. Um, and that gives you a huge, huge resistance level up there in the 560s to 570s. I will be flat into the 560s um on this position. So, congratulations all the members of True Trading Group. A lot of you are in this trade with me. A lot of you are in the 540 calls. This is a monster trade for us. We still got 20% of the position live. We’re looking for just a little bit more, but this profit will be getting completely closed out here this week. I’m also still long SpaceX. Um 50% of this position. Um really just trying to see if we can kind of hold this trade line and get through 155. You know, we tried to get through 155 on Thursday, we couldn’t. We tried to get through it on Friday morning, we couldn’t. Um but if you do get through 155, I think SpaceX is an easy move into the mid to high 160s. I think there’s like a $10 move to be had there if you break through 155. So, I’m trying to be there for it. You had this level that was resistance. And that’s really kind of the the premise of my trade is you had all of this support when this when you had the initial IPO. You finally broke that in July, bounced back up in August, and it became resistance. Then it became resistance again here in early September. And then it looked like you had broken above it and out of it on Thursday. So, I went long on Thursday. We took some profit off on Thursday, but then I held 50% of my position into Friday. On Friday, we had a deep pullback, but that pullback looks like you’re trying to now find support at what used to be resistance. So, if we can hold this 9 EMA, 9A is this light blue line you see on my screen, and if you can get a candle on SpaceX tomorrow that looks something like this, then I say, let’s go. Okay, so my stop loss on this trade is around 150 151. We almost got there on Friday. Well, we did get there on Friday. I didn’t stop out of the position. Um, but I was really close to stopping out because that was the zone that I said I literally told everybody in chat. I was like, “Guys, listen.” I was like, “15, 151. We’re here now. If we don’t bounce soon, I will cut this position before the close.” And I gave it a little bit more time and we bounced all the way back to 153. So, I was like, “All right.” You know, my my my support level was tested. It held. So, I’m staying in that position. Still in it. But that is my that is my stop. Um, new stop new stuff we’re going to look at. Um, the idea that I have coming into this week is long semiis, short software. I feel like the I feel like semis are kind of getting themselves back together, getting geared up for what I think could end up being another another breakout. I think AMD looks fantastic. I think Micron looks great. I think Nvidia looks great. Um, software has had a huge run. I just think you might see a little bit of a pullback on software and you might see, you know, semiconductors continue to move higher. As you know, I’m already long um AMD, but I think I think Nvidia is going to try to make another run back up at those all-time highs. And what we’re going to do here basically on Nvidia is I’m going to look for Nvidia to find support around what is this? 221, I believe.

    Uh, so here’s my resistance at 224. Beautiful support at 216 and then some pretty good support down in 219. So yeah, I’m looking for I’m looking for Nvidia longs and like the low 220s and just look for Nvidia try to continue to climb itself higher. The stop loss will be around 218 um on Nvidia. Micron is one that really has me intrigued because of the resistance level that we have at 10 um 1,035. I’m going to draw it across for you guys right now in Micron. Here’s the resistance level, right? You guys can all see this. Does not take an experienced technician to see this resistance. Okay, you break that, I think you can see an easy move to 1100. Okay. So, we’re going to look for just I’m not gonna I’m probably not going to touch Micron until it breaks 1035 1040. But if that breaks, you probably get an easy $60 move to 1100. All right. So, we’re looking for Micron through 1040 to 1100 would be the target. Nice little $60 pop on Micron. Um, what else do I have right down here? Okay, so those are longs on semis and then I’m also thinking possible shorts on software. Now, speaking of shorts, right? Um, here is an example of a resistance level being reestablished. Okay. So, as I zoom this in, you can see we had resistance in August. We then had the huge gap up on earnings. And that gap up makes you think, okay, that resistance level’s broken. Then we dropped back underneath it immediately. And what happened? Resistance. Resistance. So this resistance level looked like it was broken. It was reclaimed and now it’s been reestablished. So what I’m doing with snowflake is if we get underneath 330, double bottom from Thursday, Friday lows. Okay. We get underneath 330 on snowflake. We are going to look for more downside that takes you back down into this 50-day moving average. We try to get down to like the 310s. Okay, we’re going to try to get down to like the 310s. Like a 320 underneath 320 is the target. Underneath 320, above 310. Okay, just somewhere right into there is what we’re going to look for there on snow. Okay, under 330 we’re looking for the short there on snow. Uh similar idea with Salesforce. Um, Salesforce had a little minor support level here around 240.

    There you go.

    We broke that on Friday. If that is now resistance, we target the gap entry at 230. So, we’re just going to look for our sales force to just continue to just kind of fade this out and get down into this gap up and get into 230.

    And last but not least, we can’t not talk about Bitcoin. Bitcoin is on fire, getting ready to try to try to touch or getting ready to try to break through a big resistance level, guys. 82 to 83K is a huge level for Bitcoin and we are right at 82K here. You guys can see as I draw this out on my screen. Okay, you can see there was support, there was support, big gap down underneath it, right? Support level broken, rallied back up to it in May, resistance, rallied back up to it in August resistance, September resistance, and here we are right back up into 82K. If that level breaks, you should have a pretty nice move to around 85 to 86. Okay? So, you’re looking about a nice like $3,000 $4,000 move on Bitcoin. If you can take out 82 to 83,000. All right. Now, if I see Bitcoin trading above 82 to 83K, I’m absolutely going to want to look over to Micro Strategy and Coinbase. Micro Strategy just broke through what to me was a really nice resistance level at 145. I want to now look to go long Micro Strategy on pullbacks into 145. If we think Bitcoin is going to break 82 83K, okay, this level used to be uh resistance there in early September and you can see back here how it was support uh back then or in the end of May. Okay, so now you’re back above. We would look for that to be support and look for Micro Strategy to continue to climb higher. Same thing goes with Coinbase. Coinbase has a beautiful resistance level at 195. You guys can see 195 or 196. You can see all of that resistance chunked together right there in May. And then all of that, look at those tops. Look at those tops. Right. So, Coinbase above 195, 196. We would be long back against that level. Stop loss around 190. And we would look for for Coinbase to push up to like 215 and get back up into all of this resistance. You can see all these highs right here. Okay, all of that, right? That that takes you at least to 215. Okay, that takes you to 215. So, I’m going to look for those guys coming into the week. Okay, and that just about wraps it up for my watch list here. Um, obviously positions I’m already in. SpaceX, AMD, new stuff. We’re looking at coin micro strat. Coin, MSTR, Nvidia, Micron, Snowflake, and Salesforce. And that is how I’m going to start off my week. And that is how I plan on making money. Now, again, remember, keep your ears open for news headlines. Any type of a news headline could move the markets. That has to do with the Middle East because it can affect the price of oil as goes the price of oil. I believe as goes the market. I’m telling you again, keep your ears open for this UN assembly that’s taking place here um in the states um with Iran’s um delegation attending. You never know what could happen. Okay? You never know what could happen. You can get a news headline and one o’clock in the afternoon and that just completely catches everybody off guard. Whether it’s a good thing, whether it’s good for stocks, bad for stocks, oil goes up, oil goes down, whatever it is. I’m not trying to predict what the news will be. I’m just saying that you have potential for something to happen in the middle of the day that just kind of catches everybody off guard. All right, so keep keep your eyes and ears open for that. Okay, those of you that are not members, like I said, 90 90 days, try out the systems, try it all out for yourself. Um, it’s going to cost you a dollar a day. It’s 90 bucks for 90 days. And then I’m just confident you have to 90 days with us, you’re going to want to sign up for the full year and and we’ll get you guys hooked up and get you situated for the entire year. I think once you use our tools, you’re never going to want to trade without them. Seriously, it’s like it’s like when you when they first invented the dishwasher and you used the dishwasher for the first time. There’s no way you’d ever want to handwash dishes ever again. It’s like that. It’s literally like that. All right, so go ahead, check it out for yourselves. TrueTrading.com9090. Text us with any questions. 1888-621-2127. Again, phone number is at the bottom of your screen in case you guys need it. For the rest of you, subscribe to the channel, smash the like button, show some love. My teaching members, I will see you guys in chat tomorrow morning. As always, for those of you that are not members, I do hope you guys do join the trial. I hope to see you in chat. If not, best of luck trading this week. See you guys later. Have a wonderful night. Subscribe, smash the like button, show some love. Take it easy, folks.

  • 09/21/2026 – Meta Muse is an INCREDIBLE AI agent

    Meta’s Muse is possibly the best AI agent out there. The issue is is I don’t think it’s a right fit for a lot of people. In this video, I cover what Meta’s Muse is, what it does so well, how it compares to Hermes, Open Claw, Grobbot, Chat, GPT were Claude Co, and if you are a part of the group, I think should actually switch to it. By the end of this video, you’ll be a master of Meta’s Muse and will know if you should be taking your talents to meta. Now, let’s lock in and get into it. So, this is MetaMuse, the most talked about AI agent at the moment. And there are some things in here that really, really impress me. The first thing I’m going to do is take you through everything it does, all its capabilities, all its features, how to use it, what I’ve been doing with it. After that, I will tell you who it’s for. So, who is the actual group of people I think should switch to it. I don’t think everyone should switch to it, but I will let you know right after if you are one of those people that should be switching to it. I’ll go through all of the strengths and weaknesses, and then I will rank it. I’ll stack rank it, how it compares to other AI agents, and I’ll show you what my current stack is, which AI agents I actually am using. But let’s go through it. Here is Metamuse. It is what I call a godthread agent. This is a term I’m now coining called the Godthread agent. What does that mean? It is not like Grockbot where it is kind of multi- aent. You have a bunch of different named agents. It’s not like chat GBT work where you have a whole bunch of different threads for one agent. It is a god thread agent which basically means you have one chat. You can make side chats. Those are kind of like exceptions but it’s built around just having one mega chat you do everything in. Now I’ve gone back and forth on do I like the god thread way or do I like the grobbot multi- aent way or do I like the one agent with multiple threads way. I think it really depends on what kind of work you do. I think for the more hardcore people who use AI agents for a lot of different types of tasks. I actually do think the kind of multi- aent multi-thread way is good to go. But for the people, and this is a little spoiler on who I think this is built for, the people who are like the reserve me a movie or reserve me a restaurant or get this bill negotiated down use case. I think this is actually a better form factor for them. I call that the make me a reservation AI agent crowd. The make me a restaurant reservation crowd doesn’t need 10 different named agents to make a reservation at a restaurant. They just need one agent they can quickly go on their phone to open up and say, “Hey, find me a reservation at a Greek restaurant near me.” So, it is one God thread, but there are so many little details in here that I actually really love. So, over on the right hand side, I instantly fell in love with this feature, and I wish this was built into every other agent. They have an activities feed so you can see everything you’ve done with your agent that day by day by time. This is brilliant. I wish I had this for everything I do on my computer. I wish I just had I don’t know if you’re like me but sometimes at the end of the day you feel a little down cuz you feel like you could have got way more done. And I feel like this is like the antidote to that where at the end of the day you can go see everything you got done and actually like wait I was way more productive than I thought. I don’t know if it’s a part of the human condition where you just always think you got less done than you really did. But this is great. I come back to CNA and go, “Oh, wow. I actually got more than I thought I actually enjoy.” It makes me feel a lot better about my day. So, I love this. They also organize a whole bunch of other things here. I really like different approvals. So, when it needs approvals for you, upcoming tasks, it has. So, like this is your crown jobs. And then identity. This is another thing I really enjoy that they did. You kind of have your two sides of the customization spectrum when it comes to AI agents. You have Hermes, which is customize literally everything. Everything is tinkerable. Everything’s a drop down. Change everything you want. Then you have Grockbot where you really don’t customize anything. You don’t choose models. You don’t edit personalities. You don’t see memories, anything like that. Then Metamuse is kind of in the middle where you can tinker and edit anything you want, but it’s kind of hidden away. So for the power users, you have that option, which is great. I do wish I could change the personalities on Grockbot. I do feel like kind of the way Grockbot talks is a little weird sometimes. I don’t quite understand what it’s always saying. It kind of has like Claude Opus syndrome where it says things sometimes but doesn’t really mean anything. Metam uses kind of that sweet spot where it’s hidden but you can find it for the power users. That’s sick. There’s also voice functionality coming soon. They’re talking about how you can use voice to talk to your agent. Well, speaking of voice, that brings us to today’s sponsor who’s paying my bills. If you’re building an AI agent with voice, which every AI agent out there nowadays has to have voice, you need to make sure your AI agent is able to properly listen to you and talk to you. And that’s where Assembly AI comes in. If you build the smartest AI agent in the world, but it can’t understand what you’re saying in chat or it gets what you’re saying wrong. It can’t say your email address or things like that, then the whole AI agent stinks. That’s where today’s sponsor, Assembly AI, comes in. They have the real time API that literally in real time, I’ll show you this in a second, takes your voice and turns it into text in the most accurate way you’ve ever seen an AI agent do. And what’s amazing about is it takes the context around what your agent is asking and use it to understand your voice better. So, for instance, if it knows your agent is asking you about email addresses, it’ll be able to understand what you’re saying is an email address. So, let’s do this. Let’s see how awesome this is. Hey there, Assembly AI. My email address is alex1% better.io. This is a realtime demonstration of your voice AI API, your real time API. Look how fast this is coming in based on what I’m saying. And boom, there you go. Look at how good that it’s literally real time as I’m speaking. You can use this for AI receptionists, personal assistants, and even like customer support agents. Assembly AI handles listening. you connect it to whatever AI model you want. Get your API key for free at the link down below. And thanks to Assembly AI for supporting the channel. They also have many different other features here. I really like some of these features. So, one of the main use cases a lot of people do are like morning briefs, afternoon briefs, content briefs, different things like that. They built a feed so you can just take all the brief stuff out of your agent and put it into your feed. So, you can customize this feed any way you want. One of the big things I do with all my agents is like I have it update me and give me a brief on tech and AI releases every single day so I can spend less time on social media here. Brilliant. You can just customize your feed so you get that information right in your feed. You don’t have to kind of spam your AI agent with like crown jobs and things to get that information. It just lives in its own feed. Next is ideas. This is just like custom recommended ideas that Meta came up with that you can use with your MetaMuse. I talk about this a lot and that’s blank canvas syndrome. I think a lot of people have which is they get a blank canvas. They get an AI agent you can do anything in the world with but they because it’s a blank canvas they don’t know what to do with it. Right? They get less done because it is a blank canvas. MetaMuse fights this by giving you a whole bunch of uh different recommendations for what your AI agent can do. So if you come in here and you don’t know what to do with it, here’s a whole bunch of recommendations. Goals. I actually sneaky love this. This might actually be my favorite feature of them all in Metamuse, which is goals, which is basically the brain dump to reverse prompt I talk about all the time, but built into the AI agent. So, you can click a goal, it asks you a bunch of questions, right? So, I clicked on the goal to grow my creator business. And what did it do? It went in and started asking me a bunch of multi-choice questions on that goal, kind of coaxing me to brain dump in it. And then from there it reverse prompted. So it basically said here’s everything I can do based on that goal. One of my goals was I want to grow on LinkedIn. It came in and came up with a bunch of ideas on how it could help me grow on LinkedIn. It actually ended up building me a carousel for LinkedIn. It’s not something I ever thought of doing with this. It helped me come up with it. It helped me find the unknown unknowns because of this goal functionality. So I actually am a really big fan of this goal functionality. Anything that helps you come up and uncover unknown unknowns I think is going to be massive when it comes to AI because I think that really is people’s biggest challenge when it comes to AI is just not knowing what the hell to do with it. This goals functionality is fantastic for that. It also ensures you get productive things done with your AI agent which is awesome. Then we have library and you know I’ll get into this a little bit later too which is some of the strengths of Metamuse over the other agents. One of the huge strengths of Metamuse is that it is way more proactive than other AI agents. And one of those things it’s super proactive about is creating artifacts. For instance, I said, “Hey, research me so you can find out who I am and get to know, you know, what I do and my career and things like that. It automatically created uh this website with everything it knows about me.” I didn’t ask it to create this website. Now it has an artifact with all its information on me, which is sick. The first thing I did with Metamus is askked like, “Hey, can you do research on like what people are doing with Metuse? What are the different use cases people are doing online?” Boom. Without me asking, it created this artifact, which is basically this HTML site that has the top use cases people are doing with Muse. That’s sick. That now lives in my library. I didn’t ask for any of this. It is super super proactive with just like creating artifacts, creating helpful visuals. I don’t ask for any of this and I think it’s really really powerful. I think the next objection people are going to give me over this is, okay, it’s building all these sites, it’s making images, videos, podcasts. Alex, won’t that like run out of usage? When I’m in Grockbot and it makes me a video, there goes my usage for the week. Won’t this run out my usage? Well, here’s another strength of Metamuse. You get a spectacular amount of usage. They give you a tremendous amount of tokens completely for free in Metamuse. That is amazing. There are different meta paid plans built in like Instagram and Facebook that give you even more usage on top. It’s kind of confusing, but what you need to know is you get a lot of usage and you get a lot of that for free. It’s one of the benefits of this being made by a company that is getting revenue many many other ways other than AI, right? Like Meta, they get most of their revenue from Instagram ads, from selling like cheap Chinese t-shirts on Instagram in the ads, right? That’s how they get their money. Now they can take those profits and funnel it into their AI stuff like Metamuse. So you get tons of usage. So that’s great as well. One of the biggest strengths of Grockbot is its deep integration with X, right? Like that’s its moat is no other AI agent can get you content from X post things like that and that’s really helpful. Well, Meta their moat is they can get a lot of content from Instagram and Facebook. So, for instance, I can say things like, “Can you find me an Instagram reel that talks about Muse? I want to see what other people are saying about Muse.” So, we get a Casey Neistat reel it links to. Does this super quick, by the way. Boom. Takes me to Instagram. And here’s a Casey Neistat uh Instagram video on Muse. Boom. Deep integration with Instagram. Just something mildly ironic here. I feel like if you split up where the AI doomers are and where the AI positive people are, I feel like there’s more AI positive people on X and like all the AI doomers are on Instagram. So, it’s kind of funny that this is linked to Instagram and uh Grockbots’s linked to X as you can see. Fair warning from the comments. Reactions are pretty polarized. Lots of meta privacy skepticis. I think that’s pretty funny. Anyway, but this if you value it is one of the modes of Metamuse is that it can get all this data from Instagram and Facebook. Now, I’d argue, and I don’t want to get on my soap box here, I’d argue for most people, consuming more Instagram content is probably a negative, but there is a group of people where getting more Instagram content is hugely positive. I’m going to get into this a little bit more later, but the ecommerce crowd, right? Like, if you are in e-commerce, the best place on planet Earth to be on is Instagram. You can make like multi-million dollars with e-commerce using Instagram ads. That’s amazing. And so for those types of people, this is going to be an unreal integration. Now, I think when it comes to Facebook, most people just think, “Oh, isn’t that where my aunt goes? Isn’t that where all my grandparents and ants go?” Yes, that is true. Facebook is just people’s aunts and grandmothers. But Facebook does have something that’s still pretty interesting, and that is Facebook Marketplace. So, there’s a deep Facebook marketplace integration with Menuse. If you’re trying to pick up more Mac minis like me, you can just go in here and say, “Hey, can you find me Mac minis on Facebook Marketplace?” And it’ll find you a bunch of Facebook Mac minis. That is really sick as well. I mean, I feel like there’s like business opportunities you can do here, arbitrageing different things. I don’t know. I feel like there’s something here when it comes to automating Facebook Marketplace. I don’t know what it is just yet, but if you’re one of those people that like live in Facebook Marketplace, I actually know there’s a lot of people like that, this is going to be great for you because now you can pretty much automate Facebook Marketplace. MetaMuse has fantastic computer use as well, but here’s the exception to that. MetaMuse is completely cloudbased. There is no local component of this. It can’t control your computer. There’s no local computer use whatsoever. Everything is in the cloud. It has its own VM and all the work it does there. Grockpot on the other hand has both cloud and local. It’s up to you what you want to do. While Hermes is basically completely local and chat GBT is both cloud and local. So this in my eyes is kind of a weakness as a power user. I want it to control my computer. I wanted to be able to go through my tail scale network and go to my DGX Spark, go to my RTX5090 computer, go to my Omachi computer and change things around and load local models and do things like that. That’s a big use case for me. So for me, that is a massive weakness, the fact that it can’t do anything locally. But for most people, the make me a reservation at a restaurant crowd, that doesn’t matter, right? You just want them to go online, their virtual computer, and make you a reservation. you want it to go and get you a ticket to Resident Evil tomorrow night in PaloAlto, it can do that for you. It does that really, really well. As you can see here, it got me a ticket for Resident Evil tomorrow night. I’m super excited about that. It did it in like 10 seconds. Here’s another strength. It is unbelievably fast. It is like lightning fast. So, you’re getting tons of usage lightning fast. The Meta AI team uh clearly turned things around and have things going in their favor lately, which is great to see. It’s I I’d really like them to catch up to OpenAI and Anthropic and SpaceX. So, what we’ve seen so far is Metam Muse is extremely fast. Its computer use is incredible online in VM. You get tons and tons of usage. It is extremely proactive. I’d say even more proactive than the most proactive agent I’ve ever used before this, which was Instinct. I’ve been testing Instinct on the side. I’d say it’s big strength is it proactivity, thinking of things to do and just doing them. MetaMuse actually beats that in my eyes. Its deep connection with Instagram and Facebook is great. Especially if you are in the ecommerce world. Like if you’re in the e-commerce world and you’re doing meta ads and all that to to grow your e-commerce business, then that is fantastic and it is absolutely brilliant at the make me a reservation use cases. It’s just great at that. So, real quick, we’ll go over strengths and weaknesses and I’ll tell you who this is for and if I can recommend you to actually use it. It strengths dirt cheap. You get tons of usage for absolutely free, which is incredible. Basically unheard of in the AI age. It’s lightning fast. Anything you ask to do, it does it very, very, very fast. It’s super proactive. It’s building artifacts, websites, podcasts, videos, just out of the blue. You’re not even asking for it. The Instagram Facebook integration is perfect if that’s what you’re into. I’m going to be honest. The Instagram Facebook integration is unbelievable. It’s great. It pulls reels, posts, whatever you need. It’s excellent. Fully customizable. So unlike Rockbot, you can customize the memories, personality, all that. And the mobile app is very, very strong. Now for weaknesses, there are three pretty major weaknesses for me. One is the weak ecosystem. Metamus’s ecosystem is Instagram and Facebook. That is it. If you use Grockbot, the ecosystem is cursor. So you get cursor cloud agents in it, which are excellent. You get X, so you get all the X social media posts and you get some other things that may or may not be coming soon that I may or may not have heard of uh from a birdie, right? They have a very strong ecosystem. Chat GBT work, they have a strong ecosystem. You get codec, so you get all its coding abilities built in. You get chat GBT voice, which is great. Built into chat GBT, you get their best-in-class image gen. You get other things like their little microcontroller. I have it creator micro keyboard, which is great. They have a very strong ecosystem. So if you’re using the Chad GBT work agent, you get to use the entire ecosystem of Chad GBT products. For Metamuse, the ecosystem is Instagram and Facebook. I haven’t been on Facebook in 15 years. And for me, Instagram, I it’s just not for me. Instagram is not for me. I will just leave it at that. But I I do not want to spend more time my life on Instagram or pull in Instagram reels. So that ecosystem doesn’t do it for me. Now if that ecosystem does it for you then this might be a great option right like if you are super as I said before e-commerce the Instagram ecosystem is actually fantastic but right but that that’s all their ecosystem is at Metamuse is Instagram and Facebook there’s no frontier models right so you’re using the meta models which the metas-park model is very good you know it’s like it gets the job done it’s not weak you’re not going to really complain about the intelligence of this uh agent at all but it’s not Astra right it’s not fable so you’re not getting that like next level give it a prompt to build something and it oneshots this absolutely incredible product and it’s cloud only. So if you’re a power user like someone like me who you expect a lot out of your AI agent you expect it to jump around your tail scale network control all your different computers load local models things like that it’s not going to be able to do that it just has its cloud VM so who is this for who would I recommend Metamuse for? So, if you’re one of those book me a reservation AI agent users, like if you’re one of those people that like you don’t want to Google search the restaurant you go to, then click reserve a table, like you need an AI agent to do that, this is perfect for you, right? It’s perfect for those people who just need a VM cloud and an agent goes on it and books your reservations. Great for you. If you’re super into Instagram, right? If you’re in the Instagram ecosystem, if you do e-commerce and run Instagram ads, or you just want to get reals or see what the latest thirst traps on Instagram are, great for you. That’s not for me. I spend most of my time on social media on X trying to get like news and like learn about AI and stuff like that. But if that other Instagram stuffs for you, you go do that. If cost is a factor, this is a great great option, probably the best option, right? It is basically free. Anyone can use it. I haven’t paid a penny yet and I’ve used it a ton. If you want the absolute cutting edge, as I said, there are a lot of features here that are the cutting edge of AI agents. It’s so proactive. It builds you HTML sites and artifacts for everything you do. That’s really, really helpful. It’s also blazingly fast. It just feels really, really nice to use. The speed is incredible. And if you just need an assistant, if you just need something that checks your email, sees when your next calendar appointment is, which to be honest with you is probably a majority of people. Probably a majority of people in this world, that is perfect for them. That’s exactly what they need. If you watch this channel, that might not be what you need. I cover a lot of like deep tech use cases. I cover building things. I cover loading local models and using Linux distros and doing things like that. This is not really for that crowd. This is for the general, hey, I need someone to get me a ticket to a movie. Hey, I need someone to get me a reservation at the Greek restaurant down the street. This is for you. For me personally, I’m not one of these users. I don’t use Instagram. I don’t make restaurant reservations. Call me crazy. I’m fine spending the 10 seconds it takes to type in the name of my favorite restaurant, then click reserve. Like, that’s I that’s always like the kind of the first use case people show. AI agents, I don’t care. I like booking my restaurants. Call me crazy. Uh cost. I’m already paying for every service on planet Earth, so it is what it is. The proactivity is nice. I do like the proactivity and the speed. I actually think that is a big strength and I really like that. But I don’t need an assistant. I don’t need a personal assistant. I need an AI agent when the moment a new open- source model drops, it goes looks at my computer, the hardware, downloads the perfect version, it loads it up, tests it, builds a harness for me, and then texts me and says, “Hey, the model’s good to go. You can start talking to it.” That’s what I need. Metamuse isn’t that. If you are a more casual AI agent user, I think this is great for you. I just think for, you know, if you’re someone who enjoys the videos I make, a lot of the videos I make that are around building amazing things with AI agents, starting businesses, doing really intense things, local models, building your own harnesses. Metamuse doesn’t really address many of those use cases really at all. So, I personally will not be switching. So, what will I be using? How does this compare to the other agents? This is my current stack, right? For deep technical work, I’m doing Chad GBT work. Fact of the matter is Chad GBT6 Astra is the best AI model on planet Earth and it isn’t remotely close. So if I’m doing anything with any sort of complexity, I want the best intelligence in the world. Chad GBT work with six Astra provides that to me. Grockbot for general knowledge work. I have basically an AI agent bot built out for every responsibility in my life. And so they each have very specific context on the very specific parts of my life. And so for my general knowledge work that needs good context on what I do, my business, things I’m interested in, I use Grockbot for that. So and for network administrator personal work, I use Hermes. This is a big workflow for me as well. I’m constantly using different AI models, running experiments, doing things like that. Hermes, which is an open-source harness that basically does whatever you need locally on your computer, I think is the best way to do that at the moment. Metamuse does not fall into this for me. I think is a very cool tool. I’m interested to see what they build out. But like ecosystem matters. I think that’s the most important factor here because anything MetaMuse does that’s like stronger than everyone else on the software side, they can just it could just be stolen, right? Like Grockbot can add a lot of that proactive stuff basically overnight. Chad GBT work can add like the little customization features basically overnight. Really the only moes that these agents and companies have at the moment is the ecosystem. That’s the moat. None of these companies will be able to copy the Instagram moat. It’s impossible. Metamuse won’t be able to copy the X moat, right? Or other moes that they’re potentially getting soon. So the platform, the ecosystem is the moat here. And for me, the ecosystem around MetaMuse just doesn’t it just doesn’t do it for me. I don’t I don’t need any sort I don’t need to see more reals in my life to be quite honest with you. I imagine if you’re a power viewer of this channel, which I recommend you should be, hit subscribe, turn on notifications, leave a like. You’re only getting the best information in AI on planet Earth by subscribing to this. You are probably something similar to me where you’re doing a lot of building, you’re doing a lot of deep knowledge work. you’re probably using these other tools in my stack a little bit more. So, I showed you the strengths, I showed you the weaknesses, I showed you who this is for, I showed you which tools I’m currently using. Let me know down below which of these tools are you using, which are your daily drivers. Talk about your stack down below in the chat. I want to see what you guys are using. I hope this was helpful. Leave a like if it was. I am so grateful you’d watch my videos and learn from me. I really, really am very, very appreciative and grateful of you guys. Thank you so much. I’ll see you in the next