Daven Kross Webinars

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  • 10/14/2026 – Alliant Webinar – Social Security Strategy

    a month. If you could wait until you were at $2,000 a month, 2%of that is 40,000 or excuse me, $40 a month. So again, wait as long as you possibly can to take out social security. Now, it all depends on your age and everything. So there’s many other factors that go into play that, but that’s typically what I recommend. Now, for the majority of people at 65, your your full retirement age is 65 to 67 years old, but at 65, everybody [clears throat] should sign up for Medicare Part A. Medicare Part A is free. It doesn’t cost anything to have. It’s hospitalization. Medicare Part B and D, those cost extra. So if you’re covered under group plan, typically you won’t sign up for Medicare Part B and D, but you do need to sign up within 3 months of your 65th birthday to sign up for Medicare Part A. Now, at 67, everybody’s going to hit their full retirement age. It’s either before that or afterwards. And then at age 70, anywhere from your full retirement age 65 to 67 up until age 70, if you don’t take out your your social security, you get what’s called delayed credits. You get an 8%bump up until you start taking it out. Okay? Now, everybody’s going to have to start doing RMDs anywhere from 73 to 75 years old. So if you are not 73 by the year 2033, your full retirement excuse me, your RMD age is is going if you are if you are 73 by the year 2032 or less, your RMDs are going to start at age 73. If you are not 73 by the year 2033, then your RMD is going to start at age 75. Why they keep changing the goal posts, and know about that, but it used to be 70 and a half, then they jumped it up to 72, then they jumped it up to 73, and then again, if you’re not 73 by the year 2033, it’s going to jump up to 75. I have not heard of anybody moving that to down the road later than that. I I haven’t heard anything, but anyway, that’s when you have to start taking out your RMDs. And the RMD starts out roughly about 4% for the year. Okay? So, what they do is take the the total dollar balance you have in your traditional IRA on December 31st of the year prior to reaching 73 or 75. And then based on your age, uh again, you’re going to have to take about about 4%out the first year. It’s a little bit more than that, but roughly about 4%. And then every year thereafter, the percentage that you have to take out will slowly increase every year. Okay? So, just some things to take a look at. Uh dates and ages to take into consideration as you’re looking to plan your retirement. Now, what you want to do with number two here is take aim at your retirement target. So, I’ve got three rules of thumb here to to take a look at here. Rule of thumb number one, if you can save enough money to generate anywhere from 70 to 90%of your pre-retirement income. Now, that’s a good rule of thumb. I’ll be honest with you, the majority of people don’t have that, and that’s okay. But, if you can do that, then you should feel very comfortable that your retirement is going to be um that you you will be comfortable in retirement. Now, there’s some costs that probably will go down once you do retire. Your mortgage, hopefully, will go down. Hopefully, you don’t have um a mortgage anymore. Transportation, if you’re unfortunate and don’t work from home, as I mentioned I do, uh then transportation should go down. Clothing, you don’t have to buy these nice shirts anymore. And food should go down because you’re not out needing to go to lunch with co-workers, going out to dinner afterwards or whatever. You will have time to be able to prepare food at home and that obviously is a lot cheaper than than eating out. Now there’s some costs that may go up. Healthcare, especially if you’re covered under a group plan, your healthcare may go up depending on how much your company pays for it. Travel may go up. You You know, I’ve got a buddy of mine from Australia and he says that either he has all the time in the world to go back and back and visit family or friends, but he has no money. That’s when he was been unemployed. Or he has all the money in the world but no time. That’s when he’s been employed. So hopefully in retirement, you’ll have all the time in the world to be able to go do that. And hopefully you’ll have enough money to be able to do that as well. Your utilities should go up. May go up. You’ll be at home more often. You’ll have the TV on more often. You’ll have lights on more often. And so your utilities will go up. Home maintenance. In my case, I can almost guarantee you that’s going to go up. I’ve got grandkids. I’ve got five grandkids. And if I’m home, they will probably come over more often. And I just caught my grandsons, they’re six and four. Those are the oldest oldest two. They thought it was really cool to throw dirt in my air conditioning unit with the fan going on. [laughter] I got to love them. I got to love them. Now things that may go away, costs that may go away. Social Security payroll taxes. If you’re retired, you don’t have an income anymore. And so you don’t have that cost anymore. And then also contributions, if you’re not working, you can’t contribute to a retirement account. So that will go away as well. Again, if you can plan and and earn anywhere from 70 to 90%of your pre-retirement income, you should feel very confident that your retirement is going to be that you’ll have plenty of money in retirement. So, rule of thumb number two of three is save a multiple of your salary based upon your age. Again, this is a rule of thumb. So, let’s say that you earn $100,000 and you’re age 55, so you should have anywhere from six to eight percent six to eight times of your salary as saved up for retirement. So, that’s $600,000 to $800,000. I’ll be honest with you. I know many people that are retired with less than that. Okay? Again, these are just good rules of thumbs. If you can do this, then you should feel very comfortable in retirement. And then based upon your your age is here will determine how much you should multiply your income on to have the amount set aside for retirement. So, rule of thumb number three, save enough to generate a 4%with with withdrawal rate. So, if we take a look at that here, and let’s say that you want to withdraw 4%from your assets over the next 20 years, and you want to have a 25, 50, or $100,000 income coming in of that 4%uh coming in, if you get a 1.5%return, then you’d have to have about a half a million dollars in in uh savings or in in retirement. About a million dollars if you want 50,000. If you want 100,000, you’d need about a little over two million dollars in there. Shameless plug, Alliant, our savings account is paying double that 1.5% return right now. I’m just kind of saying, as I’m sure you all are aware of that. Now, if you get a little bit better of returns, say you have 5% return. Again, a 5%return is not being aggressive at all. It’s still considered very uh very um uh uh conservative. So, if you want if you’re getting a 5%return and you want $25,000 for the you know, withdraw 4%to get $25,000 over the next 20 years, you need 391,782 if you want 50,000. If you want a a $100,000 in uh in income, you need about 1 and 1/2 million dollars in retirement. Now, what do you need to do if you just want to withdraw over the next 40 years? Okay? Again, if you have a 3%return with the same desired income, you need 476 for 25,000, uh 952,000 uh if you want 50,000 in retirement, and if you want a 100,000, you need 1.9 million dollars. Now, again, if you want a six or if you have a 6%return, again, the bigger return you get, obviously, the less amount that you need. And again, 6%is not being aggressive at all whatsoever. Uh it’s just kind of on the low end of a balance, but you need 365, 730, or a little under uh 1 and 1/2 million dollars if you want $100,000. Okay? So, just some numbers to take into consideration if you’re if you’re doing this. Okay? Now, let’s maximize your nest egg. Let’s say that you have kind of started late. If you take my father-in-law for example, my wife is from Ireland. Uh my father-in-law was able to come to the States uh a couple of years after my wife and I were married um just through a immigration system back then. They came through. Um when he came to the States, he had nothing. He could not bring any money with him. And so, he had to start late in life and be fairly aggressive. So, let’s say that you’re kind of in the same situation or you’ve maybe started a little bit later in life. Let’s take a look at uh the possibilities and let’s look at a hypothetical example here. Okay, so we have two people both age 50 years old. Let’s say the wife is a retired school teacher, but now she just volunteers her time at a historical society. Let’s say the husband is an engineer and he makes $150,000 a year. So, his company offers him a 401k and here’s the maximum contributions for anybody in a 401k. It’s at 24,500. And let’s say that his company matches that at 3%. So, they’re putting in $4,500 a year on top of that. Now, because he is 50, as I mentioned earlier, you can start to contribute more into 401ks and IRAs. And in a 401k, if he’s 50 years old, he can do a maximum of eight $8,000 into that. So, let’s say he maxes out the eight $8,000. Okay, now he can contribute to a traditional and a Roth IRA because he’s working. He can contribute to the Roth IRA because his income is less is $150,000 and so he can do that. As I mentioned earlier, the maximum contribution for anybody and everybody in 2026 is $7,500, but because he’s 50, he can do an additional $1,100. So, that’s $8,600 that he can contribute into that. Now, even though his wife is not working, she volunteers in two a historical society there, but because he is working, she can do a maximum contribution into an IRA account on her for herself based upon his income. So, she contributes the maximum into her 401 or excuse me, into her IRA account as well. Now, if you add all of these up every single year, the maximum contribution you can do into um your retirement accounts is uh $54,200. Well, let’s say they just do $51,000, okay? They don’t quite max out everything. And again, since they’re 50, he’s looking at retiring at 65 years old. Let’s say again, not being ultra aggressive, he’s fairly a balanced investor and he gets a 6%return. Over those 15 years, his nest egg could increase by $1.2 million. So, it’s never ever too late to start contributing. It’s better late than never. So, if you’re in a situation where you think you’re behind the eight ball, don’t panic. Let’s just get a game plan going and uh make sure that uh we can do the very best that we possibly can. So, what you want to do every single year is do a a portfolio checkup. Okay, the average worker switches jobs 12 times in their lifetime. One of my sons is probably got that half of that already. Um 63%of workers have access to some sort of defined contribution plan through their work. And for any new people that are starting starting jobs, 69%of uh companies have an automatic enrollment, which is kind of nice. You have to kind of opt out if you don’t want to do it. But, let’s take a look at perception and reality. Let’s say you have previous uh well, right now that you’re working, you’re getting closer to retirement and you can see I’ve got plenty of gray hair. Um I still have a number of years left. I’m 58. Uh so, I joke with my boss all the time that he’s stuck with me for the next 12 years, whether he likes it or not, and so far they like it. Um which is a good thing. Uh so, let’s say your current retirement plan, you want to be a little bit more on the balanced side, 60%stocks, 40%bonds. But, if you looked at previous jobs that you had when you were younger, you might have been more aggressive because you had more time on your side to ride out the waves of the market, the ups and the downs. So, if you had a couple of previous jobs, your first job was very aggressive, your second job was fairly aggressive, but now that you’re in your your current job, you want to be a little bit of a balanced investor. If you combined all three of those, you might be more aggressive than what you actually want to be. So, you want to take a look at old 401(k)s, IRAs out there, and just see how are you allocated according to what you were wanting to do at this point time. So, let’s take a look at some scenarios here, some real-life scenarios, and say, “Okay, let’s say you have a goal of retirement in 3 years, and you’ve got $900,000 in a in your retirement account, and you want to have a million dollars when you retire in 3 years. Okay? If you get an 8%return over those 3 years, you’ll have $1.1 million in your retirement accounts. Okay? But, let’s say that happened in 2019 Excuse me, 1999, the tech bubble burst. If you were 100%stocks back then, the tech the stock market was down 3 years in a row, the S&P was negative for 3 years in a row because the tech bubble burst, your $900,000 would have dropped down to 584,000. Quite a drastic difference. But, if you reallocated before all that happened, and let’s say you were 50%stocks, 50%bonds, your $900,000 would have dropped down to 850 871. Barely a glitch. If you stayed where you were at, didn’t make any adjustments or changes, 12 months later, your 50/50 stocks and bonds would have been over the million dollars that you wanted to. Your 100%stocks would have taken you almost 4 years to get back up to where you wanted to be at. Okay? Over the million dollars. Okay? Now, let’s see what happens when people panic and get out of the market. So, again, let’s say you were looking at retiring in 3 years. My father-in-law was a perfect example of this. His goal was to retire in 2008. We all know what happened in 2008. But, if we take a look at this, let’s say you’re at 900 and 900,000 dollars and you’re at 2005 and your goal is to retire with a million dollars 3 years later. If you were 50/50 stocks, your 900,000 would have dropped down to 700,000 dollars. If you panicked at that point in time, which unfortunately many people did, they saw their account value go down and down and down. They panicked and they took it out of the stocks and bonds and they moved it over to T-bills. You know, by the time after 1 year, it went down to that at 700,000 dollars. It in 2 years later, you would have been at 713. If you didn’t panic and you left things as they were at 50/50, you would have been back up to your million dollars in 3 years later. Okay? If you kept it in the T-bills and never got out, cuz unfortunately a lot of people just got nervous and didn’t trust the market, it would have taken you over 10 years, uh close to 15 years to even get back up to the million dollars that you were hoping for. So, again, do not panic. Get a good game plan going. Know that the market’s going to go up. know that it’s going to go down. Understand that the market is up on average 75%of the time, it’s negative 20 uh 12 uh 25%of the time. And when it’s up, it’s up quite a bit. When it’s down, it’s usually not down that much on for the most part. There’s We’ve had the big drops, I get it. Uh the Great Recession. Um the Great Depression. Hopefully, nobody’s on the on the webinar here that went through the Great De-Depression. Um but we’ve had other other time frames, the tech bubble burst at the turn of the century and everything. Again, get a good game plan going. Know that the market’s going to grow. Know it’s going to fall at some at some point in time. But there’s always time for it to come back up again. Okay? As long as you maintain and stay where you were currently at. Now, you definitely want to take a look at beneficiaries. Okay? I’ll give you a personal example on that. Uh my mom passed away in 2016. And my dad got remarried about a year later. Uh a little over a year later at at the end of 2017. So, he had a new wife. Uh he started to get sick in in 2024. Uh my brother and I, we were trustees on his account. So, before he passed away, we’re taking a look at a lot of his uh of his accounts and stuff. And we noticed that he had an old uh IRA account out there that still had my mom as a primary beneficiary and my only one brother as a as a contingent beneficiary. So, prior to him passing away, we were able to change the beneficiary around to go into his trust. So, he created the trust with some ben- fits of my stepmom. And uh picture or if you have young children or grandkids,

    uh uh

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    with a will, your assets will go through probate probate debate, and it’s just so much better. It’s more locked into into stone and a trust. Um so, I recommend that you do a trust look at get a local attorney to do a trust. Or they’ve got the online trust accounts uh that you can set up uh that way. Those are typically a lot cheaper, um but uh take a look at any of those to do that. So, five out of the seven uh create a social security strategy. Now, when I talk about social security, I I hear all the time,”Oh, no, social security’s going to go bankrupt. We’re not going to get anything.”That is not the case. I’m going to tell you right here and right now that is not the case. We will always have some social security. May not be as much as we uh currently have, but here’s how social security works. For those of us who are working, we’re paying into it every single month uh when we’re every paycheck that we get, we’re paying into the social security trust fund. And then those that are currently on social security is taking that money out. So, up until 2021, there was more money going into social security than what was coming out. And then in 2021, things changed. Baby boomers to retire, and they have all the right in the world to be able to retire. So, since 2021, there is now more money coming out of social security than what’s going in. The thing that may go away is that surplus. Okay, in 2023 or excuse me, 2033, the surplus is expected to go away. So, that unless the government does something then people may only get 78%of what their current benefits are are are at. I highly highly doubt that the government, whoever’s in charge at that time, that the government of that time is going to allow uh Social Security to or people to get less than what they’re currently getting. I just don’t see that happening, to be honest with you. There are some things that they could do to stop that, and one of the things is increasing taxes. Nobody likes to say it, but that is a possibility, one of the things that they could do. Uh if they increased taxes by 3.65%, that would solve the Social Security problems, uh and then allow people to continue on with the same benefits that they are currently getting. Okay? There’s a couple of other things that they could do, um but this is just one of the options. And in true government fashion, nobody is tackling that issue now. Nobody’s getting ahead of it. They’re kicking the the the can down the road, so that somebody else has to deal with it. Sadly, unfortunately, that’s what’s happening. Okay? Now, as I’ve mentioned earlier, full retirement age, here’s the different full retirement ages uh based upon your your the the year that you were born. So, if you were born prior to 1956, you’re in uh full retirement age currently. ’57, ’58, ’59, it’s 66 and so many months. And if you were born in 1960 or or or after that, your full retirement age is 67 years old. Um and it’s just So, again, you can delay Social Security up until age 70, and from it, I’m in the 67 years old, uh I would get a delayed credit, an 8%bump up each of the 3 years if I delayed it till age 70. I often get the question is, what is the maximum amount of social security that you can get. Okay, so here’s the maximum amounts at different ages if you contributed into social security the most this is what you would get. The average though is quite a bit less. Okay, so for example at 67 let me back up the maximum is $4200. The average is 26. Okay, that’s quite a bit of a difference. If you had had an average wage and it contributed into social security you would get that. Um next slide is so social security depending on what your your income was prior to retiring and it social security may only cover a small portion of that income. So if your income at retirement was at 50 excuse me at $50,000 social security would cover about half of that. If your income was at $100,000 social security is only going to cover about 40%of that. So then again if you want anywhere from 70 to 90% you’ve got to come up with the other 30 to 50% of income. And then again the more that you earned prior to going on retirement then the the less of a percentage social security is going to cover that.

    Now you want to build a retirement income stream in any income stream in retirement. [gasps] So let’s say you have a half a million dollars and you put it into a typical money market account earning 0.22 again shameless plug for Alant Credit Union savings but anyway at 0.22%you’re going to get interest every single month of about $93. And you’re welcome. Now again if you’re a little bit more aggressive not much more aggressive but a a bit more aggressive and you get uh double that at roughly about uh half a percent, your income on a monthly basis is going to give you it was going to net you um uh $214. Now, I again, if you be a if you’re a little bit bonds. Now, again, bonds can go down in value um if you hold individual bonds, they typically go don’t go down, but if you do like a mutual fund of bonds or an ETF of bonds or have those in mutual funds or ETFs, then they can go down in value based upon interest rates and stuff. But, if you’re, you know, let’s say you get a municipal bond with an average return of 3.94%, you’ll get an additional $1,600 a month. Okay? So, again, you don’t have to be uh very much more aggressive in retirement to get a substantial different return. [gasps] Now, let’s say you want to take out systematic withdrawals from your retirement account. You want to take out $1,500 a month, and let’s say you have an individual um uh stock of a company, and it’s uh currently selling at $5 a share. So, if you want $1,500 a month, you’ll have to sell 300 shares at $5 uh to get that $1,500. If the stock goes up to $6, then obviously, you’re selling out less number of shares at 250 uh uh shares to get your $1,500. But, if that stock goes down to $4, then you have to sell more shares to get the same $1,500. Okay? Now, I turning retirement savings into retirement income. If you invest in income-producing products, so mutual funds, stocks, bonds, ETFs that pay a dividend, then you’re there’ll there’ll no uh of your original savings amount, but your income may fluctuate because not all dividend paying uh investments pay out the exact same amount of dividends. If you want a more consistent, you’ve got a budget going on, and you want a consistent dollar amount return, then your income is going to remain consistent, but it may dip into your principal amount that you originally put in there. Now, the last item here is look beyond the money. Okay? In 2020 20 and in 2010 they they they put out a poll to see the economist put out a poll to see what is the the average happiness of people at different ages in life. And from 50 to 55, well, 45 to 55, that’s when people are least happy. I don’t want to say they’re miserable, but that’s when people are least happy. Uh they’ve got their children that are maybe going off to college and they’re stressed out about helping out pay for college, or they’ve got a a parent that’s maybe coming up with some health issues and stuff, or they’re looking at their retirement accounts and said,”I have not done enough. I need to want to do more.” The great news about all that is once you’re at 55 and thereafter, your happiness typically starts to increase. And then can increase for a number of different reasons. Number one, if your health is good, you know, we have a we have a lot better understanding of how to maintain and be healthy uh by based on the foods that we eat, based on the exercise that we that we do. Friendships is very important. And it’s important to me. Um I love to hang out with my friends. My family, uh my mostly, that’s primary, but uh friends are very important to me as well. As I mentioned, family also here is a big factor in me. Again, as I mentioned, I got five grandkids, got three kids, I’ve got five grandkids, and hanging out with them is just an absolute blast. I I I I realize that I am very lucky. All three of my kids get along very well. They haven’t always, but lately they’ve been getting on uh very well, and um and I get along with them. My wife gets along great with them as well. So, we’re I know that we’re uh very blessed that way. And so, that just adds a really a lot to uh the happiness factor that we have. Now, the island of Okinawa has got uh you know, they’re they’re known for longevity uh lifestyle, and they live many, many years and beyond the average uh for the rest of the world. And they have something based there that they called ikigai. Ikigai basically translates into something to live for. So, when you can find out what you love to do, and figure out if the world needs that, and how you can be paid for that if you if you want to, or find out things that you are good at, all those contribute to your ikigai. All those contribute for uh things to live for. Now, find out in retirement what is best for you. You may want to contribute to a cause. I talked to a client earlier today, and she volunteers a lot of time up at the local hospital. Visiting and friends local, traveling to go away, uh that’s always a great thing to do. Pursue a hobby. You know, again as I mentioned earlier, in retirement, you’re going to have a lot more time to do it, hopefully. I mean, my I’m sure my grandkids are going to take up a lot of that time, which is fine. Um but uh pursue a hobby and to to enjoy. You’ll have hopefully have the time to be able to do that. Travel. I talked to people, and they love to travel in retirement. If you want to start a business at that point in time, that’s not what I would do, but if you want to start a business, absolutely. Or I hear, you know, on the news uh quite often that a a grandparent um um or even a parent may uh graduate with their child or whatever, which I think is absolutely fantastic. [gasps] Now, some people that didn’t take uh didn’t slow down in retirement. So, Peter Roget, he developed a thesaurus at age 73 is when he came out with that. Colonel Sanders opened his first first KFC at 65 years old. Madonna Buder is known as the triathlon nun. She started uh doing triathlons and finished her the most uh recent one or the latest one at age 82. Uh Grandma Moses started painting uh when she was 76. And Yuichiro Miura, he uh he set a world record to be the oldest person at age 70 to climb Mount Everest, and then he did it again at age 80. I couldn’t do that now, and I think that’s absolutely fantastic. So, again, an unknown author once said, “Retirement is wonderful if you have two essentials: much to live on and much to live for.”So, uh hopefully in retirement you’re able to um save enough money to that that you can do those things in retirement. You can have things to live for uh and have things to live on. So, to kind of recap the seven things that to do before uh retirement in the decade before retirement, these are just some of the things that you ought to take a look at and to be able to do. [clears throat] Now, I always encourage you to work with a financial professional. With a financial professional, you can create a plan into retirement. If you don’t have a plan, then all you have is a wish. And I strongly encourage that everybody has a plan going into retirement. We do have a plan available here at Alliance Credit Union. It’s complimentary. It doesn’t cost anything for uh for you to do. And it’s something that we offer. It’s It’s fairly new. We’ve started offering this fairly recently. But let’s take as uh an example of what we can look at uh in this plan. You know, we put information in here and this is for Bob and Mary and we put some information in here. The dark blue is their social security as they get that in retirement in in their retirement. Uh the light blue there, that’s uh maybe a pension plan that they got. The red line there is that is their uh expenses. And then the orange is their RMDs. So, we can tailor a or we can take a look to see do you have enough set aside to have enough income in retirement? So, a couple of other things here will tell us a calculate what taxes that you will pay over your lifetime. Okay, in this scenario here uh Bob and Mary will pay $832,000 in taxes. And then based upon the information that they had put in here, they would have $4.2 million in a portfolio to be able to pass on uh to beneficiaries. One thing that we do here in this Wealth Vision This plan is called Wealth Vision is we take a look at Roth conversion. That’s kind of a really big topic lately is can you do a Roth conversion and and and if so, well, anybody can, but if you do a Roth conversion, what is the best way to do it? And we can we can set up this uh report here to run a couple of different ways. In this particular way uh [laughter] what they’re taking a look at here of doing a Roth conversion for what would that do to excuse me, both number one, taxes, and then number two, um portfolio. In this particular situation, it would reduce their overall taxes over the lifetime by $140,000. And it would also increase their total portfolio to pass on to beneficiaries by by $826,000. $828,000. So, in this situation, that kind of a Roth conversion would make sense on uh both for them and for beneficiaries. Then if we take a look at another example here, David and Sarah, this one here, their social security and their other uh income they would have to take out of their assets uh to meet their expenses, the red line. And then their RMDs kick in. And and then this scenario here, we have one of them passing away 4 years prior to retirement uh prior to the second one passing away or 3 years prior to the second one passing away. And what would this uh what would this cause? You know, again, their total assets in this scenario here at $3.4 million to be able to pass on to beneficiaries. And we can see that assets can continue to grow in retirement depending on how you invest it and and things like that. In this uh scenario here, we do a Roth conversion uh and fill it up for 5 years. But this one here, we just fill it up to the next tax bracket or the the current tax bracket. So, in this scenario here, it’s filling it up to stay within the uh 22% tax bracket for the next 5 years. What does that do to the overall portfolio? And for this one here, it would save them $116,000 over their lifetime in taxes and increase our portfolio uh to pass on to beneficiaries by $250,000. Now, that uh by doing that Roth conversion, that $250,000 then would probably be all tax-free to pass on to the the beneficiaries, which is kind of nice. So, if you inherit, you’re the one that’s going to pay for taxes on it. Um if you inherit a Roth IRA, nobody’s going to pay taxes on it, which is kind of the nicest thing to do. Okay? Uh again, it uh we can determine by doing a Roth Roth conversion uh this scenario here would save them that uh money in taxes and going forward. So, why ARIS? Why Alliant Retirement Investment Services? Well, I many, many different plans that are available. One of the things that many other places do out there is they charge you a set dollar amount for everything that you have with them. Uh I don’t have that philosophy. I look for uh uh accounts that don’t have the fees. If the account doesn’t have a fee, we don’t add anything onto that account either. So, I look for as many as we can with no fees or very reduced fees. Um but we don’t charge for everything in there. Um we take a look at uh your assets, make sure that you have enough income for the rest of your life. We can look at dividend portfolios so that you have an income stream coming in if you would like to, if you need it. If not, then we just we can just reinvest that into uh back into the investment. Now, how can we help you? First of all, number one, what we want to do is we want to get to know you and design a plan specifically for your situation. Then, we use a team approach to uh take a look and see what we can do out there to design it for what your your needs are. And we want to build a lasting relationship for the rest of your life. So, with that being said, thank you very much again. Here’s my contact and I’ll get into the questions here. This is my contact information, so if anybody is on the phone here or on this webinar on the phone, my direct contact is 773 462 8612. That rings directly onto my desk. And with that being said, my my uh email address is [email protected]. I again, I am an actual employee of the credit union. Uh so, with that being said, let’s get into this. Uh let me uh if you would like to have a one-on-one conversation with me and continue this or if you’d like to have that that wealth vision um uh report run for you, uh answer yes to this. I’ll reach out to you. Now, I will tell you uh I will be out of the office the rest of this week. I do have a funeral that I uh have got to go to. Uh so, I if you answered yes to this, I will reach out to you next week. And uh I’ll call you first. If I don’t get you on the phone, then I’ll shoot you an email. And with my email, you can uh you have access to my calendar and you can schedule a Zoom meeting that way. And that way, we’re not playing phone tag back and forth. But, here is um uh let’s get into this. So, uh Uh question number one here, do rules of thumb include Social Security or just 401k? Uh it includes uh it includes Social Security. If you’re looking for that income, uh the 70 to 90%of your income, that does include the Social Security obviously because that would be income. If that’s what you were referring to, uh then yes, it does include Social Security. Uh I have heard that the bond market is not behaving like it used to. It is not so reliable as a uh counterpoint to stocks. Yeah, so the bond market recently has gone down. Again, the bond market will go up and it will go down. Uh to be honest with you, bonds are they kind of move in opposite directions of interest rates. Uh when interest rates rise, bonds are going to go down. When interest rates fall, bonds are going to go up. That’s a really about the only consistent. Bonds and stocks have nothing to do with each other, but I will uh be honest with you, lately, uh the last couple of years, the bond market has not returned very well. But, on the other hand, it hasn’t fallen. Uh you know, I I should say it won’t fall like the stock market will fall. Okay, so there is that. Um Your internet is making your sound like a robot. I’m sorry about that. Uh I’ve been having today, Goofy, hopefully the sound is better uh better today or better now on that. Um Uh oop. Uh another question, can you put up the slide again that shows the maximum amount of Social Security you can receive based on the age you start withdrawing? Let me get into that. That was up earlier, right here. Here is the maximum that you can contribute or that you would get if you contributed to the 401k. Or into Social Security. The maximum you would contribute into 401k. And

    Uh another question here, in your retirement Oh, if your retirement age is 67 and you choose to wait until age 70 to take social security. Do you need to be working between 67 and 70 to get that bump up? No, you don’t need to be working. You don’t need to be working at all. You can um get that bump up regardless of whether you’re working or not. The 8%per year. Uh another question here, can you discuss long-term care insurance? Uh sure, I’ll briefly discuss it. I’ll give it a 30,000-ft overview. Uh so, long-term care insurance, should you ever need to go into a nursing home or a a rehab for a long period of time, it will pay a set dollar amount a month for a set period of time. It’s not like insurance where it’s unlimited. Um you do need to qualify for long-term care. Okay, so it’s not something that just anybody and everybody can get. And to be honest with you, the older you are, number one, the the less likelihood you’re going to qualify for it. And and if you do qualify for it, the older you are, the sooner you’re going to probably need it statistically wise. It’s going to be extremely expensive for you. But, long-term care will cover you should you need to go into a nursing home. Uh if it tip it you know, it you can set it up a number of different ways. Sometimes it doesn’t start to kick in until six until you’ve been in there 6 months. Other times it’s 3 months or you got to cover the first three to six months. Um hopefully that answers your question without getting uh too much into this. And that is all the questions that I had. So, thank you everybody for joining me today. Again, for those that do want me to reach out to you, I’ll reach out to you early next week. Um and uh I just will be out of the office the next Uh, the next 2 days this week here, and I hope everybody has a wonderful day and a great weekend, and we will talk to you soon. Take care, everybody. Bye.

  • 10/13/2026 – Alliant Webinar – Roth IRA Conversions – An Effective Retirement Tax Strategy for your Clients

    Good everyone. It’s now 2 minutes past the hour. I know for you folks on the East Coast it’s 7:00, so thank you. I know we’re going to we’re in dinner time right now, but try to get this one quickly done today, so everybody can get back to what they’re doing and hopefully you leave well, a little more knowledgeable and knowing more than you knew before today. So, good evening everyone. My name is Baptiste Bruner and I’m a Texas-based financial consultant with Reliant and part of a team of financial professionals. We have a team of professionals at the credit union, and we really just give a lot of educational webinars to just educate our members, help them understand how to retire better, maybe different things that they can come across in retirement as far as Medicare, Social Security, annuities, how to invest best. And I’m going to just start by thanking all of you for taking the time to learn more about Roth conversions today, how to potentially save a lot in taxes, and ways to give tax-free money to your heirs, and find out if you may be a potential candidate for a conversion. Uh presentation’s about an hour long. I will make it as quick as possible. There’s some parts where we can cut through a little quicker, and as always we’ll reserve time at the end to answer any questions you may have. And when that time comes, you can go ahead and ask your questions in the chat section. I’ll be sure to get to them. There’s both a chat and a Q&A section in here. So, whichever one you prefer, to each their own.

    And we have to make a note of this now, but now that there’s AI note-takers, we just have to make it known, look at you. I can’t stop you guys from taking photos of anything on the screen today. I’m not going to be mad about that, but please, if you have an AI note-taker in here, please remove them. Uh this is proprietary information, I guess, and they just don’t want those AI note-takers in here, but please keep that guy out. Feel free to take photos. I can’t stop you. And coming up what, 2 weeks? Going to be doing another webinar here on designing your retirement income blueprint. That’s coming up Thursday, October 29th, 2 Central, 3 Eastern. Uh this one was okay. It really I’m going to change it up a bit to really go through maybe withdrawal strategies, different ways to create different incomes, etc., etc. But going to make this one a lot better. So join here, too, if you want to figure out, “Hey, how am I even going to source my retirement outside of social security and drawing from my IRA or 401k?” We’ll go through that here.

    Then next, how to get rollover ready. If you have a 401k, you’re going to retire, how do you roll it over? Most people move their funds out of their 401k and put it into their IRA to have a much more expansive investment selection offered to them because at your 401k with your company, probably only have 20 25 different investments available to you. It’s an IRA, you have all the investments that are available throughout that firm. So it gives you better investment selection, possibly find ways to save more in fees, open yourself up to better diversification, you know, not trying to put all your eggs in one basket like in one spider fund or one index fund or one fixed income fund. These are things that we can discuss here. That’s going to be Tuesday, November 10th at 6 Central, 7 Eastern.

    But of course, our team here at Alliant Retirement Investment Services, we’re focused on helping you, our members, understand the ins and outs of investing, you know, saving for retirement, and much more than that, of course. Go ahead and take a look at our website. That’s ARIS, A R I S, .alliantcreditunion.com. Throw in a slash for events to see our webinar schedule. It’s not just me, we have a whole team. So you’ll plenty of webinars going on throughout the week. We also have our podcast Invest Savvy, plethora of information to be learned there. That’s airusfcu.org/podcast. And we also have our website and our blog. There’s a resource center on there, a couple calculators. Look, I’ll leave this up here for another few seconds. Take a photo of the screen. There There are a lot more resources available to you through the credit union than you may know. Go check them out. It’s at no extra cost. We put these up here to help you guys, our members.

    And you know, on that note,

    there’s a lot of other ways that we can help you at the credit union aside from giving you an interest rate on a CD or holding on to your money for you or giving you a We do full-scale financial planning. We will help you figure out your estate planning, investment management, advanced planning, financial planning. We will help you figure out your investment selections. We are a team of dedicated financial consultants that are here to assist you, our members. Difference between credit unions and banks. Banks are owned by stockholders. Credit unions are owned by members. I E, you are part owner of this credit union. You’re my boss. I’m here to help my boss in this case. Let’s just think of it that way.

    Couple of semantics and disclosures. We can go back if anybody really wants to see those or read through them. Let’s get into today’s topic. So if approached correctly, a Roth IRA conversion can be an effective strategy in an effort to keep as much after-tax or tax-free money as possible. And today we’re going to look at a few important issues that have to be considered if you want to consider a Roth IRA conversion. So, first, what are the basics behind a Roth IRA conversion? We’ll get into who the original owner of that IRA Roth IRA about that Roth IRA. We’ll talk about the surviving spouse of the Roth IRA owner. And then the different types of beneficiaries cuz there’s few different types of beneficiaries. Um and the different classification calls for different rules. We’re going to get into those. That’s where things are going to get a little busy and I might just break it down real quickly so everybody can get to dinner quicker.

    But to start off, let’s just go with the basics. Sounds right. So, Roth IRA conversions may help some of you manage the taxes paid on IRA values and in the end, just end up keeping more of your money. And if the Roth IRA owner’s current tax rate is lower than the tax rate when withdrawals required, whether their RMD or the surviving spouse’s RMD, beneficiaries required distribution, etc. Roth IRA conversions will create an advantage even if the taxes are paid from the IRA itself.

    And just be aware of some of the considerations of Roth IRA conversions. There’s no income limitations. You might not be able to contribute to an IRA right now or a Roth IRA right now because of your income. There that does not matter when it comes to a conversion. And let’s just get this one out of the way early, too. There are There’s a massive difference between contributing to an IRA and converting an IRA. Contributing to an IRA, you’re held down by your income limits. You can only contribute $8,600 a year if you’re over 50. That doesn’t apply here. You can convert as much as you want. If you have half a million dollars in a 401k or an IRA, you can contribute or you can convert all of it tomorrow. You shouldn’t. We’ll talk more about why you shouldn’t, but well, you can. So, there’s no income limits here. And it will be taxed at ordinary income tax rates. And the deadline is not come tax day, but you can contribute to your IRA for 2026 by April 2027, but that doesn’t apply here. So, the deadline for this one is December 31st of the year you’re in. There’s no pre-age 59 and 1/2 additional taxes. And just be aware, there can be unintended consequences of a Roth IRA. So, make sure that you work with a financial professional before going through one.

    And forgive me, folks. I’m working with one screen today. My catalytic converter was stolen out of my truck, so I had to work from home.

    Now, let’s look at a hypothetical example of someone over age 59 and 1/2 considering a Roth IRA conversion of $10,000. We’re going to assume that the marginal tax rate now is at 12%. The tax rate later when it’s taken out will be at 24%. Now, if this individual doesn’t complete a Roth IRA conversion and just continue to let the pre-tax money grow for another 10 years at a 5%per year return, they would have $16,289. Then if they take the money out and pay the income tax 24%, they would have $12,380 left over. However, if they chose to complete a Roth IRA conversion, they’d have to pay 12%of the money in taxes and would have only $8,800 in in the Roth IRA. So, assuming annual growth of 5%per year for 10 years, they’d have $14,334 that they can access income tax free. Cuz the Roth IRA owners over age 59 and a half and they met that 5-year requirement. So, that’s potentially almost $2,000 more or about 16%more if they complete the Roth IRA conversion and pay the income tax now instead of keeping that pre-tax money in the retirement plan or IRA the traditional IRA and pay the income tax later when they withdraw that money.

    And this chart can help clients understand how a Roth IRA conversion might help given various tax brackets both now and later. And we we don’t know what they’re going to be in the future. More than likely tax rates will go up in the future. So, right now is not a bad time to take advantage of it. But as you can see moving across the top is where you’ll find the current marginal tax bracket. And let’s just say it’s 12%. Now, if we move down from there, you can see how much a Roth IRA conversion might help. And later this money will be taxable at 24%. A Roth IRA conversion can help a client end up with a possible 15.8%with 15.8% more money than in after-tax income.

    So, whenever a Roth IRA conversion is an option, you have to consider at least two tax scenarios. First one is how the future tax situation might play out with without a conversion. The second is how the conversion will impact today’s situation. You have to look at income taxes. You have to understand your Medicare premiums. And keep in mind if you are pulling enough money and you’re earning enough in your investments, might have another 3.8%tacked on to your taxes in your net investment income tax. That’s a sneaky one. It’s had the same limits on it, too, since 2013 when it was implemented. It’s been 200,000 single, 250,000 married. Hasn’t changed since even we know what inflation’s done since then. So, these are all pitfalls that you might fall into. Well, again, consider that we have lower taxes right now. We’ve had two tax bills in the past decade that have lowered taxes. They’re bound to go up eventually. So, consider that you could be paying 22%or 12%on a conversion today, whereas tomorrow those same tax brackets might go from 12 to 15 or 18 or from 22 back to 28 where they were.

    Before we move into a few hypothetical examples, we should review the latest tax changes from the one big beautiful bill. Some provisions are permanent changes, you know, current tax rates effective after December 31st, 2025. There’s a higher standard deduction. There’s the elimination of the personal exemptions, so on and so forth. There are some temporary changes in there. Um there’s that senior bonus deduction, the salt tax deductions were increased. Uh car loan interest deduction as well, if you bought an all-American car, I think it really only applies to Tesla and maybe some foreign and Chevy models, but look into it if that maybe we look deeper into that one if you’re interested. There’s the tip deduction over time and those savings accounts as well.

    But, it’s important for clients to watch for an opportunity to reduce the taxes paid on retirement. And reducing the amount of tax paid may mean more money for retirement expenses or for passing along to your beneficiaries if that’s what’s important to you. So, again, I encourage everybody to speak with a financial professional and a tax professional when looking into this and we can help look into a financial planning and see if this applies to you. We’d be happy to do that. But, in this case, we see how much ordinary income a married couple, both over age 65, they can absorb in the various tax brackets after the passage of that one big beautiful bill act. The standard deduction, the additional one big beautiful senior the senior deduction that’s added into there. There’s a phase out at 1.2. There’s a few more things in here.

    Pardon me. But, the standard deduction 2026 is $32,200 when you’re married filing joint. Plus, if you’re over the age of 65, it’s $1,650 per person in addition to that per person. Plus, a $6,000 senior deduction per person. So, this adds up to a lot more. Your your standard deduction went from $32,200 to $47,500 if you fall within all the income limits there.

    There is a special rule for Social Security recipients called the hold harmless rule. And that ensures that Social Security benefits will not decline from one year to the next because of increases in Medicare Part B premiums. And whether this rule comes into play in a particular year depends on the amount of COLA or cost-of-living adjustment and the Medicare Part B premium increases. And the hold harmless rule will apply in 2026 for those people who had been paying the standard Part B premium if their Medicare Part B was increased. But, the Social Security cost-of-living adjustment amount was not large enough to cover the full amount of their increased premium. And the hold harmless rule applies to a few Social Security recipients in 2026 except for those who pay more than the standard Part B premium amounts and including individuals turning 65 in 2026 and starting Medicare in 2026. So, individuals ages 65 and older who were not on Medicare in 2025, but starting Medicare in 2026. Individuals ages 65 and older on Medicare in 2025 but not yet receiving Social Security benefits.

    And higher income Medicare beneficiaries are not held harmless and they have been paying more for their Medicare Part B and Part D coverage for several years in the form of income related monthly adjustment amounts. And the Medicare Access and CHIP Reauthorization Act back in 2015, otherwise known as the Doc Fix law, enacted new modified adjusted gross income tier brackets that went into effect starting with 2018 Medicare premiums. So, the 2024 tax return is used to set the 2026 income related monthly adjustment amount payments. That’s called IRMAA right there. Using the new tiered system to determine Medicare Part B premiums. These are all things we have to keep keep in consideration when doing a Roth conversion. Why? Cuz if you fall within just $1 into the next bracket, you’re paying a lot more for your Medicare. So, you might be wondering, why are we talking about Medicare during Roth conversion times? It’s because you have to keep in consideration your Social Security, your Medicare, and your federal and possible state income tax brackets when considering if you if a Roth conversion is right for you. It’s not just if your federal income tax brackets there are going to be a problem. It’s also your Medicare itself. All right. So, let’s move on to the original IRA owner. Now, since the RMD age is now increased to 73 if you were born before January 1st of 1960, at 75 more than likely for those who are born after in 1960 or later. It’s increased then. It may be tempting to just simply delay all IRA withdrawals until then. And while not everyone will be able to do this, those that can should be aware of rapidly growing distributions that might then move them into a much higher tax bracket. So, you can see that here in this chart. It’s just assuming that the initial IRA balance is at a age 65 and it earns 5%per year. If you’re not touching it, you see how much more it grows and the bigger your pre-tax position is, the more Uncle Sam’s going to force you to take out when you hit your required minimum distribution age at 73 or 75 or somewhere in between.

    In this graph, it Pardon me. This graph illustrates the increase in RMD amounts when compared to inflation. And it assumes that the initial IRA balance is a million dollars at age 73 and it earns 5%a year. And this assumes the RMD is taken at the end of the year. And if we assume that tax brackets and deductions are adjusted at the rate of inflation, the RMD amount is increasing faster than inflation. It could push the taxpayer into a higher tax bracket. And if this seems likely, Roth conversions and other strategies should be examined closely as part of a drawdown strategy.

    So, we’re going to move on to the surviving spouse here.

    And in this hypothetical case, we see a couple married a married couple, they’re filing jointly. And assume they have $58,332 of ordinary income from IRAs and or pensions and $64,000 of Social Security retirement income. Well, in their married filing joint tax status, they pay $7,332 or $7,332 in federal income tax.

    Now, if we look at the example at the same at this example with spouse A filing as a single taxpayer, they could lose a Social Security check and need to withdraw $101,451 to pay the increased taxes and keep the after-tax income the same. So, here the IRA withdrawal would increase 74%and the taxes would increase 152%. While spouse B was alive, they were in the 12%marginal tax bracket, and with spouse B now gone, A has now jumped into the 24%bracket. And if A increases IRA spouse A increases IRA withdrawals to keep the same after-tax income, they’ll need to withdraw 74%more and taxes would increase 152%. It’s something that we call the widow’s penalty or the survivor’s penalty. When you go from that column joint married married filing jointly to single, you’re going to jump tax brackets possibly. And one way to avoid that is a Roth conversion. You already paid the taxes on it. There’s no more RMDs, and all money you pull from that Roth is tax-free. So, no jumping tax brackets.

    And overall, this leaves spouse A with an income reduction of $43,119. This type of dynamic change after the first death can reduce the surviving spouse’s probability of success. And if the first death came after a costly long-term care event, situation could possibly be even worse.

    All right. So, moving the beneficiaries to finish our discussion with this part here.

    So, there have been some rule changes. It happened a couple years back back in 2018. Let’s just look at a hypothetical example of Cammie here. She’s 45. Assume she just inherited a a dollars of a traditional IRA from her deceased mother. And she doesn’t need the money now and doesn’t want to increase her taxable income. But under the old rules, she could stretch the withdrawals and would only need to take $25,773 in RMDs in the first year.

    But under the new rules, if she were to withdraw evenly over 10 years, she’d take out $123,328. Now, I don’t know if anybody has their tax brackets in front of them, but you definitely jumped a couple of them by just taking out these RMDs from your IRA but your beneficiary IRA. So, if you are looking to do a Roth conversion for estate planning purposes, take care of your spouse, that’s great. You’re going to make sure that she’s not going to jump that tax bracket. She’s not going to fall into this um widow’s penalty. And if you’re looking into it for your kids or other beneficiaries, let’s say that they’re doing well. They’re making six figures. Well, you could have probably converted a lot of your traditional funds that 12% or 22%tax rate, but now that your kids inherited it, they might be paying 32 and 35%instead. And now the funds that you were hoping to give to your children to take care of your grandchildren and for them to take care of themselves, Uncle Sam is smiling because he gets to take a whopping 1/3 plus of that inheritance because they’re now in a higher tax bracket and they have to withdraw everything over a 10-year period.

    And in this next hypothetical example, let’s look at the taxes on this inherited IRA assuming Cammie is single and has taxable income of 90 grand a year. Without the inherited IRA distribution, Cammie is square in that 22%tax bracket.

    But when Cammie adds $123,338, that inherited amount, to a taxable income, she’s now filling up the 24%tax bracket, as well as adding income in the 32%tax bracket, as I just mentioned. So, in this simplistic example, Cammie would pay about $322,000 on the inherited IRA over the 10-year over that 10-year period of that distribution. Whereas, keep in mind, if you were able to convert at 12%rate, you would have paid 1/3 the amount that your kids would have paid in that case.

    So, here’s one more. Mom and Dad here, they have an IRA that will most likely go to their son as a beneficiary. And they’re thinking about converting 50 grand a year for the next 5 years in their 12%federal tax bracket. And their son is in a 12 24%bracket and will likely stay there.

    So, in this example, we see that without the conversion, Mom and Dad will have access to more money than their beneficiaries because their tax bracket is lower. If, however, Mom and Dad do the conversion at the 12%tax bracket, their access remains the same, but the beneficiaries’values has then increased cuz the tax was paid in a lower bracket. And after 10 years, the converted values for the beneficiary are about $56,000 more than the uncover unconverted values. And after 20 years, this increases to about $110,000.

    And let me make another point here, folks. When your kids inherit your pre-tax funds and they have to withdraw it, let’s say you tell them, “Look, you have to pull it out over 10 years. Don’t spend it. Be wise with it. Reinvest it.” Great. They reinvest it. They put it in a brokerage account, which is essentially their only option, and it grows, they still have to pay taxes on capital gains on the funds that are growing. And [snorts] it’s not a retirement account anymore, it’s in a brokerage account. Whereas, if you put it in a Roth conversion, and like Cammy, who doesn’t need it in her in this situation, you can just let it sit there, grow tax-free forever, and if your kids don’t need it, well, they can give it to your grandkids. And now you just created generational wealth by just doing a couple of conversions through a couple of years over a period of time. And you have all this tax-free money that gets to grow tax-free, be withdrawn tax-free. It’s an incredible estate planning tool, on top of being a way to have tax-free money for yourself while you’re still here with us.

    And another thing that we can talk about, let’s talk about how you could potentially use an annuity might help you hedge tax risks.

    So, there’s plenty of them out there that can help you provide a reliable source of income to cover essential expenses to help meet your long-term retirement goals. And annuities offer tax-deferred growth potential if you’re using pre-tax dollars. And they also offer a death benefit during the accumulation phase, sometimes during the income phase at certain periods, and but they also offer a guaranteed income stream of income at retirement. And they can also help supplement your Social Security income allowing the rest of the portfolio to add value elsewhere. This is one thing that I do a lot with my current clients. We see where the current where they are, what are your income streams? You have a pension, you have Social Security, and that covers about 70-75%of what you need, and you have plenty of money sitting around in your IRA and in your other 401(k)s and other investment accounts. Well, if you were able to fill in your income gap to where all you have to do is just go to the mail for the rest of your life to grab your annuity check, your pension check, and your social security check, well, then the rest of your funds get to just keep growing. If we’re looking at this from an estate planning need. But, on top of that, you can use those funds that are still sitting in your investments, your income’s covered, the other 75%of your income is still invested, and now you can sit back and just convert those funds, turn it into tax-free money while living off of your other income streams that you’ve created.

    And this is a different version of the Roth conversions webinar today. I did another one that was a little bit lengthier a few weeks back. We can talk more about it in depth in a one-on-one. So, the fact we are at the end, folks. But, today we discussed the basics of Roth IRA conversions, the original IRA owner, the surviving spouse, and the beneficiaries.

    And again, this is what we do here at at Alliant. We’re here to assist our members, teach you more about how Roth conversions work, how investments work, what you should do better to plan for retirement. Heck, I just got off the phone with someone before this, and they thought they’d have to work seven or eight more years, and they can retire tomorrow if they wanted to. Have a financial plan created. We do it at no cost. We’re here to assist our members. We also offer, for those that do investments with us and do become clients within the credit union, not members, but become clients as far as investment strategies go, we offer an estate planning tool here as well. It’s called Trust&Will, trustandwill.com. It’s at no cost to our clients. If you need a will done, a trust, power of attorney, any kind of legal documents, we can give you access to that to assist you, so you can sleep better at night, knowing that if anything were to happen to you, your estate’s taken care of. Here’s my ugly mug right here. I am down 50 lb since then, so please don’t judge that photo. I need to get a new one done. I’m going to send out a poll here. If you want to learn how Roth conversions work better, if you want to see if you’re a good candidate for it, go ahead and answer this poll. If you want to say no, that’s fine. It’s not going to hurt my feelings, but if everybody could answer the poll, I would truly appreciate it. Just makes me look good with the boss that hey, everybody stuck around and answered the poll. Please go ahead and answer that. But look, one thing we’ll do is financial planning. We’ll look into seeing if a Roth conversion is a good strategy for you. But on top of that, we’ll show you how much money you can save in taxes and how much more you can grow your accounts by turning it into tax-free rather than keeping it pre-tax. Our software is fantastic. It It shows everything. It’s some of the most sophisticated financial planning software I’ve seen and I’ve been in the industry for 10 years. So, please let us know how we can help there. If everybody could answer the poll, truly would appreciate it. Let’s start off with some questions here. Uh I’ll start pulling those up here in just a second.

    All right. Some about 10 more people need to answer the poll. Please get to that if you don’t mind. I do appreciate it. Again, not going to be offended if you say no or not at this time. If you say yes, to those who did say yes and I look forward to meeting with all of you, I will send you an email hopefully by tonight, if not tomorrow, and I’ll follow up with a phone call. But I’m here to assist all of our members. All right. And with that, there’s two areas. There’s the Q&A section and there’s the chat section. Let’s get into some questions here, folks.

    How many times can I convert to Roth per year and lifetime? As much as you want. As mentioned earlier, you can convert as much as you want. Is there an upper limit of age to convert? There is not. You can convert as much as you want in a year. You can do it when you’re 90. you can do it today if you’re 50. There’s no problem. There’s no 10%early withdrawal penalty from a conversion either. Thing is is that you might think, okay, well, I’m going to put every and and we already covered this, but I’m going to say it again. If you have $100,000 that you want to convert, maybe it is good to depending on who you are and what you want to do and what your goals are. Everybody’s different. There’s no cookie-cutter strategy. But you might not want to do that. If you’re making $100,000 and you’re going to jump the next tax bracket after 20,000 more, maybe just fill that bucket and convert 20,000 that year. If you’re going to retire at 65 and you have till 75 until RMDs kick in, you have 10 years to convert a lot easier. Now, you can still convert even after you’ve hit your required minimum distribution age. It just makes it a little bit harder cuz you have to pull funds already. So, it’s best to really do it. That sweet spot when to start converting is during lower earning years. If you’re a business owner and you’re having unusually low sales, if you took a year off from work, but really it’s those years between retirement and your RMDs is when we can really do some work. And heck, it might make some sense to do a little conversions to try to get some of it out of the way while you’re still working. It comes from a self-assessment and I will help you with that. You just have to reach out. There’s the Q&A code or there’s that QR code over there. I’m sorry. Again, I’m working with two screens, so I don’t have a few things up on here. I hope there’s no gray boxes in the way. Um but feel free to email me. I’m a resource here to you. If you are sitting around at work and something comes to mind about finances, shoot me an email. You are a member of this credit union. I will respond to you as promptly as I do my own boss cuz you guys own this place.

    Can you explain the five-year rule? I would be happy to. So, with a Roth IRA, let’s say even for myself, once you hit 59 and a half, you can pull funds from your from your Roth, no problem. But, they have this five-year rule on there to where I’m 36. If I opened [clears throat] up my Roth when I was 25 and I put 20 grand in it then and I haven’t contributed anything else, I can pull money out of it, but the earnings will be taxed if I take out within five years. But, after five years, all those funds that have been in there for five plus years, I could withdraw at 36 tax-free right now. I’m not going to cuz I’m going to save them for retirement and I want to buy a boat tax-free one day. But, there’s that five-year rule. I hope that explained it.

    Ooh, good question. I know how to see the fed federal tax brackets. How can I find the Medicare and other hits by converting? Okay. One, schedule a meeting with me because I keep all of those brackets on my screen all day so I can run through them with clients and members. But, Humana has a really good um graph on their website. So, if you just type in Google right now, Humana, the medical uh the insurance company, Humana Irma brackets, Irma is I R M A A, igloo, rhino, May, April, April, it’s right there. Very easy. The one thing to know, though, Medicare Irma brackets are not marginal brackets. Federal tax brackets are marginal. So, the first 10 grand you make is taxed at 10%, then the next thousand few thousand dollars you make is taxed at 12, and anything you make outside of that bracket is then taxed at 22 and so on and so forth. With Irma and Medicare, it’s $109,000 is the limit for single, 218 joint is the lowest bracket. Anything below that, you’re paying the cheapest amount of Medicare. But, if you make 109 and $1 single or 218 and $1 joint, you’re in the next bracket. So, that’s why it’s really important to work with a financial professional whenever you’re considering doing a Roth conversion cuz you surely do not want to throw yourself into another Irma bracket unnecessarily because you wanted to convert a couple extra bucks more. That’s why you work with a team of with a financial consultant and with a CPA whenever you’re doing this.

    I think I already answered this, but we’re going to go over it again anyway. If you’re already taking RMDs, can you convert the RMD into a Roth or would those be separate transactions, a Roth conversion amount and an RMD amount? Correct. You can’t in that case. Whatever you take out, you’re already going to be paying taxes on anyway, and you can’t really double dip it. They’re going to be watching for that. So, you can’t just take that out and then move it over. You have to pay the taxes on that, and you’re done in that case. But, you can convert while you’re already taking RMDs. If they’re telling you you have to take out 20 grand this year, but you want to convert 30, and it makes sense from a financial standpoint after running some analysis, making sure you’re not going to be thrown into another Medicare bracket, federal tax bracket, and the taxes are not going to be a massive hit, these are all things we can cover. I’d be happy to show you that one, too. Send me an email.

    This is a long question, but you give me a second here. I like this one so far.

    Um I’m just going to say your first name. I don’t want to announce it, but Kathy said of a meeting with me, let’s go into this one in further depth. So, these questions, unfortunately, I can’t go into everybody’s specific situation in a [clears throat] public forum. Um, but this is an interesting case here. So, uh, doesn’t have to great pension, doesn’t need to touch their IRA or their Roth IRAs. Uh, they’ll be done converting next year. They have one account that’s a pre-tax that’s an could be income in the future. They have a brokerage account, which they can’t convert. It’s non-qualified money. But, they’re thinking of not renewing an annuity when it comes due and if it’s a good strategy or not. And it could be, but maybe not. There’s a lot of things you have to consider here cuz it sounds like that annuity is going to be taxable funds. And you have 230, depending on how long you have it. That that could be some great income that you have. I mean, not all of us are going to avoid taxes completely. Okay, so annuity is going to be taxable. It’s pre-tax money. I’d want to run analysis on that. I’d like to know what your social securities are, what your incomes are, how much you need in a given year. And we go from there because if you’re going to be done converting next year, and then technically you just have $230,000 more to convert once that annuity is out of surrender, maybe it doesn’t make sense to to turn it into income or let it sit there and continuously grow into a pre-tax issue. Where it goes from 230 to 500k over a you know, seven or eight-year period. And now it’s 500k that your RMDs are based off of rather than nothing because you converted that 230 rather than let it sit there and grow. I’d be happy to go through that one with you though. Let’s do a let’s do a financial planning meeting, but I I I don’t mind it. Let’s just see that one though.

    No, you you you can’t though. That’s the thing. That like they’re not going to just say, “Well, you paid taxes on it for your RMD and you can’t switch it around like that.” It it It’s a logical thought. It absolutely is, but it can’t work that way. Great. Look forward to meeting with you, too. Should I pay taxes out of converted funds? Most of the time that is folks’ only option. But if you have nice chunk of change sitting in a bank account or CD, you want to typically pay tax rule of thumb. And I’ll show you in in financial planning what makes most sense for you. Cuz you should have cash. If you’re expecting to pay 100 grand in taxes over a 5-year period of converting and you have 100 grand, generally speaking, it makes sense to use that cash to pay for those taxes. That will help you out the most rather than dwindling your IRA more. So, if you wanted to convert 100 grand, then let’s just say you had to pay 20 grand in taxes on it, well, then you have to pull not just 120 grand out, you have to pull 125. Cuz now you have to pull out tax money, that 20 grand on the 100, but now you have to pull out additional five to pay the taxes on the additional 20. See how it adds up there? But sometimes that’s folks’only only option. Not everybody has six figures of money sitting around to pay tax bills with. [snorts] If you do, generally it makes sense. But sometimes it doesn’t because, well, it’s good to have cash. Cash is still king, even though it’s losing 4 to 5 to 6%in value every year in inflation. Cash is still king. It’s always good to have some cash. So, I appreciate that question. That’s a great one right there. It depends on the person, like most of my answers to these questions and my apologies for that. It comes down to learning more about you and I can give you a more informed decision advice. But I can help you out with that one, too. But generally speaking, it makes sense to pay it with cash on hand rather than reaching deeper and deeper into your IRA to pay tax bills. But you can still do it. You can still pay tax bills with funds from your pre-tax account on top of that.

    I am not yet in my late 50s, but based on your experience, when should I be having a meeting with an advisor? Everybody should be meeting with an advisor. Everybody should have an advisor. Unless you’re already I mean, I’m an advisor and I have an advisor. You know, it takes my personal sentiment out of it though and I have somebody else my colleague looking over it for me. Everybody should have an advisor. Most important reason why is think about what happened in 2020. And I have [clears throat] a lot of good stories and a lot of bad stories, too, about it. But people were saw the the cliff falling, COVID, the sky’s falling, the world’s ending, the Dow and the S&P and the Nasdaq are down 30 and everybody’s selling. If you sold and you didn’t get back in, you would have been down 30%in the year and you would have missed out on about another 50%in growth in just that year alone. The from the dip to where we ended in 2020 was about a 50%growth. About more than that to be honest with you. You want an advisor to talk you off the ledge, but to also show you more than what’s just out more than what’s available to you in your 401k or your IRA or just basic S&P spider funds. I don’t get me wrong. I love my S&P index funds. I really do. But there’s so many more options out there that you can only find or only through you can only purchase through an advisor. Like I love structured notes. They’re CDs that track the S&P and have 100%downside protection and are fully FDIC insured and they don’t cost anything. I love them. I love them for long-term money. I love using them for Roth funds, too, cuz now, okay, you have all this tax-free money. 100%protected, tracks the S&P futures. In fact, it actually does 20%better than the S&P futures right now. So, always meet with an advisor. Learn what’s out there. There’s no problem with being educated further and further. Meet with more than one, too. I mean, everybody has their own different Everybody in this practice uh has different ways of doing things. Find one that you can trust. Find one that you like, one that you can handle, one you can deal with. Keep in mind, you know, you’re putting a lot of trust in this person. Interview.

    If married, filing jointly in the 22% tax bracket, still working, does it make sense to convert or wait until one or both retire? That’s a great question. And there’s a lot of There’s a lot of space between that 22%bracket. But also, what is 22 to 24? Cuz that’s the next bracket. So, if you’re in the 12, converting into the 22 doesn’t make sense cuz you’re going, you know, you’re increasing your taxes by about 45%going from 12 to 22. And then, if you’re in the 24, it doesn’t really make sense to jump all the way up to the 32 cuz that’s another 30%increase in taxes. This is where things are going to probably change whenever they hike taxes in the future, 22 and 24%cuz they’re really close together. It makes sense in some scenarios to fill your 22%bracket and convert some in the 24 because it’s 2%more. It makes sense in some cases. And again, I can show you if it makes sense for you by just doing a financial plan. It’s not the hard to do. Most fun part of this job is what I’m doing right now, presenting to you guys. My second favorite part of this job is making financial plans. Don’t mean to come off like a nerd like that, but I really do like making them and showing people you can retire early, you can save this much money in taxes, you can grow your portfolio by this much, you can fill in your income gap. I love doing that. So, please make my day better, schedule a meeting with me, and we’ll see if it makes sense to convert or not. You might not be a candidate at all. You might be a perfect candidate. I’d be happy to show you that.

    Okay. Great question here. Is there a financial formula or a website that I can visit to determine the what my RMDs will be given my current financial state? So, first you’re going to need the crystal ball that tells you what your account’s actually going to be worth whenever that day comes. But, you can find out essentially what it would You can find out what it would be should you have RMDs this year starting. And it’s just called the mortality table. It’s on the IRS’s website. If you type in mortality table for 2026, it changes every year. But, all you do is you take your final value from Dece- if you were trying to calculate your RMDs for this year, you base it off of last year. So, your final statement from your accounts from last year, December 31st, 2025, you’re going to take that final total on that year, divide it by the mortality table uh rate that they put in there based on your age. So, I think it’d be like 28.3 if you’re 75. Divide your total by 28.3, there’s your RMD for the year. It’s pretty simple and straightforward. If you need help with it, again, there’s all my information. Send me an email. We can review your If you just want to show like send me your rough balance amounts, I could tell you what they would be. If you’re 5, 6, 7 years out from RMDs, let’s go ahead and make a hypothetical and just say, “Okay, you had a half a You have a half a million dollars. Let’s assume 7%growth over the next 7 years. It would be X amount. X amount turns into this.” But also, our financial planning software shows that, too. We go ahead and it breaks everything down. It shows you what your RMDs should be in the future, what you could expect them to be based on certain assumed growth rates, too.

    Paying the taxes out of the new year sounds great. Okay, Kathy, I look forward to meeting with you about that one, too. Is it a good idea to convert some of the traditional IRA into a Roth IRA? I’m still working and I’m about 10 years before I retire. It can be. And I said this earlier, so forgive me, everybody, but it can be beneficial to start now. It depends on what tax bracket you’re in right now. So, if you’re in the 12%and you got plenty of room before the 22, yeah. And even if it is only 10, 15, 20 grand that you convert before jumping tax brackets, and we’re avoiding jumping tax brackets, it makes sense. Why not? Get it out of the way. You’re 10 years before you retire, that’s 10 more years of your funds growing tax-free. You know, whenever we’re looking at two different accounts, and we have 100,000 in a Roth IRA and 100,000 in a traditional, which one’s worth more? And it’s the Roth, cuz it’s truly $100,000 tax-free money, whereas this traditional is anywhere from $90,000 to $70,000 in truth because of the taxes that’ll be taken out. And on the flip side, we had 5%growth on this Roth or 5% growth in this traditional, well, the Roth actually had 5%growth cuz it’s 5%tax-free growth. Whereas the traditional, you’re going to really get 3 and 1/2, 4%of that growth cuz Uncle Sam’s going to take his 20%. He’s going to take his cut.

    Do more Roth contributions though. Uh that’s what I and that’s a general rule that I’ll tell you, but I I really would like to meet with you to give you a better answer and just show you what might be best. That’s what I can do for you though. I’d be happy to help.

    Well, that’s great. Good, I’m glad you manage your own accounts. It sounds like you do. You’ve done all your conversions and everything yourself. That’s great. Well, all right, folks. Doesn’t look like we have any other questions today. Promise to get everybody back for dinner. Uh we got 10 more minutes to go. So, listen, I’m going to stick on here for about 2 more minutes. If there’s any other questions, we’ll get to it. But other than that, join me for my upcoming webinars. We’re going to go over income stuff. Yeah, a couple of weeks. We’re going to review incomes. Check out our other webinars. But look, we are a resource here to you through the credit union. This is how we try to establish ourselves differently from our competition. We like to educate our members. We’re here to assist you guys. We appreciate you doing your doing business with us. We truly do. So, thank you all very much for joining us today. I hope you have a wonderful day. Um gen- more than likely everybody in here is from either Texas or Florida or somewhere in the East Coast or somewhere in between. Thank God we’re getting better weather, right? So, everyone enjoy it. There’s a cool front coming through. Enjoy it. Enjoy your time with your family. Have a great dinner tonight. Thank you all very much. Thank you all very much for the kind words in here, too. I’m looking forward to meeting with you. And if we do set up a meeting, just come as well prepared as possible. Have a good idea of your financial positions, what you have, Roth IRA, traditional 401k. Understand your balances. Bring your Social security statements. That’s important. Got to factor that in there. Spend those Social Security dollars first before you reach into anything else. So, we’ll go through that. Thank you, everyone. Have a wonderful day. And again, I’ll stick back for any other questions. I’m glad. Thank you very much, Mike.

    Of course, thank you.

    Are there charges for your services if we meet with you to talk about these things? No. It’s no cost financial planning. We are here to assist you guys. Now, we’re going to show you some solutions and if you want to go through with them, we might get paid. You know, it might be at a charge. And that generally comes from managed money, which is like what everybody’s kind of going towards these days. Like Fisher Investments love to say, we do better when you do better, which really just means we make you more money so we can charge you more. I don’t fall for that rap fee lingo, where give me a million dollars, I’m going to put a 1%fee on all of your money and charge you that every year. As you grow, I get to make more money off of you. I find that terrible. It’s just a strategy that has been marketed to everyone recently and that’s the new norm is managed money. I don’t like to use it all that much. I do need to use it because everybody needs to have liquid money. People should have some managed money, but putting everything into managed, no. Because it’s just as prone and susceptible to market upturns and downturns. Say I put you in some managed accounts that track the S&P. S&P goes up, you go up, but when the S&P goes down, you go down. I like to use a lot of no fee products with downside protection. Uh back to structured notes like I mentioned. That saves my clients a fortune. An absolute fortune. And it’s what’s right. If I can use products that I don’t have to charge for money for, I use them. And I make sure that we have everything split up right to where you never have to worry about liquidity purpose liquidity needs either. So, where we can save you money, we will save you money. We’re not doing no fee products in that case. But I’d be happy to show you how all that works, too. Really interesting products that not a whole lot of people use right now. Just they don’t make as much money off of it. That’s why a lot of other financial advisors don’t use them. So, it’s sad how it works out though. But you know, as Saint Thomas once said, greed is what money is the epitome of all evil. And here I am in the financial services industry. So,

    All right, folks. Well, I’m going to hop off now. Everyone have a wonderful evening. Thank you again.

  • 10/12/2026 – ProductsPilot Customers-Only Red-Carpet VIP Training!

    Just going to wait just a second and let everybody get checked in here.

    Make sure you have a pen, a piece of paper. Make sure you get some caffeine. I got my my tea right here, ready to rock. My bulletproof tea. All right, guys. Well, welcome everyone. My name is Chan. So excited you guys are here. Um, now I know that you heard something about like the Costco method. Well, we’re going to talk all about it right now. So, let me go ahead and share my screen. Give me just a second to pull it up. All right. I hope you guys are fired up. We have a lot to cover today. All right. Can you see my screen? All right. Awesome. Let’s dive in. So, let’s talk about the Costco method. It’s a way that complete beginners are quietly earning 3,000 or more per week from home while AI does 95% of the heavy lifting without creating products, getting on the phone, or showing your face to a single person. Now, I know that’s a big claim. So, before I say another word, let me just show you something. This is a brand new business I started from absolute zero in September. 5 months later, over $200,000. Now, you can see the money being paid out here into my bank account. 5,554 deposited into my checking and then another 12k payment. And this this is a picture of me climbing in Patagonia with my best friend while money is coming into my bank account. I was completely off the grid. No laptop, no phone calls. The business grew while I was up there. And yes, I did almost fall off the cliff. My buddy still has the video. I’ve asked him to delete it and he has not. Uh but that’s a story for a different time. But here’s why this matters. I’m not the only one. Okay, this is Nathan. 6 months ago, he was a manager in Greensville, South Carolina, worried sick about being replaced by AI, and he decided to own the AI instead. He collected his first payment of $750 in 7 days. And today, he collects $28,000 a month with this same method. And it keeps going. Here’s Josh, Teresa, Crystal, Roxanna, and many more crushing it with this system. Now, I’m not showing you these results to impress you. I’m showing you because this is the exact system I’m walking you through today. how to simply plug AI into a proven business model and make your first sale in as little as seven days with minimal out-of- pocket costs, no phone calls, and no clients. But stay until the very end because that’s where I’m going to open up the Costco formula. It’s the H2 AI dashboard live on screen and build a complete campaign from scratch in under 10 minutes so that you can see exactly what your first day looks like. If you leave early, you miss the part that actually makes this whole thing work. And as a thank you for staying, I’m giving everyone who’s here at the end a free copy of our H2 AI quick start guide. And this normally sells separately, but it walks you through step by step through making your first sale in under 72 hours. And it shows you how to earn reoccurring income from sales you didn’t even make yourself. That’s where the real money is. Okay? So stick around and it’s yours straight into your inbox. So drop a let’s go in the chat if you’re committed to staying till the end. Let’s see it. Let’s go. Let’s go. Let’s go. All right. The energy is here. Let’s dive in. Now, let me be crystal clear about what this is and what this is not. Okay, this is not another start an agency presentation, cold calling strangers, trying to land clients. This is not your typical affiliate promoting Amazon links, collecting $20 commissions because Amazon only pays you 3%. What I’m going to show you today involves high ticket digital products. We’re talking $500, $1,000, even $2,000 plus on commissions on a single sale and using a system where AI does the work. You don’t create anything. You don’t sell anything on the phone. And you don’t need to understand a single line of code. And here’s the thing, you don’t have to show your face. You don’t have to get on camera. You don’t have to tell a single person you know what you’re doing. If privacy matters to you, and I know for a lot of you it does, this works completely faceless. I’ll show you exactly how later on. Now, this is something genuinely new, and I don’t say that lightly. I’ll show you the exact tools that made this possible. Tools that literally didn’t even exist 6 months ago. But before I go any further, I want you to do something for me. Type in the chat right now. If you hit your income goal in the next month, what is the very first thing you’re going to buy or pay off? Don’t overthink it. Just type it in right now. Pay off your mortgage, pay off debt, bills, travel, retire your mom, vacation, like whatever it is. I love it. Keep them coming in. Keep them coming in. Now, here’s why I asked. Because everything you guys just typed requires one thing, more money coming in. And the question isn’t whether opportunities to make that money exist. They always do. The question is whether you recognize them in time. Because every few years a window opens and it stays open for about 12 to 18 months. And the people who step through it build wealth that lasts the rest of their lives. In 2015, it was Amazon FBA. Regular people with no warehouses, no business degrees were pulling in 30 to 50k a month selling simple products that they didn’t even manufacture. And today, that space is a bloodbath. The window closed. In 2020, it was Shopify and drop shipping. People build stores from their kitchen table during COVID and hit six figures in under a year while everyone else was binge watching Netflix waiting for things to go back to normal. But today, ad costs tripled, margins collapse, and the window closed. Right now, and I mean right now, AI has opened the next window. And I’m not talking about the AI window most people think they see, the one where you start an agency and cold call and email strangers. I’m talking about a completely different window that almost nobody is looking at. But here’s the problem. Nobody’s talking about it. Most people chasing AI money right now are plugging it into the wrong business model. They’re using the most powerful technology in human history to sell a $20 calorie counter app. Or they’re cold calling trying to land $5,000 a month agency clients, competing against thousands doing the exact same thing. It’s like strapping a rocket engine to a bicycle. It doesn’t matter how powerful the engine is if the vehicle underneath can’t handle it. What changed everything for me and what I’m handing you today is this. The business model matters more than the technology. And when you plug AI into a proven high ticket model where someone else does the selling and you collect $500 to $1,000 plus in commissions, that’s when you stop trading time for money and start waking up to commission notifications from sales you didn’t make. Now, grab a pen and paper and seriously hold it up. Here’s what I want you to write down. Three words. Costco method formula. And underneath that, I want you to write this. Other people’s products. AI does the work. High ticket commissions. That’s the entire model in one line. Costco didn’t invent a single product on it shelves. It built a system that moves other people’s products at scale. And that is exactly why you’re about to learn how to do this with high ticket digital products that pay you $500 to $2,000 from your laptop with AI doing the heavy lifting. So today I’m going to walk you through three things. First, the Costco blueprint. Exactly how this model works. How you use $150 hot dog products to collect $500 to $2,000 per sale. And why this is fundamentally different from anything else in the online space. Second, I’m going to show you the 95% engine, the all-in-one AI dashboard that does all the leg work for you. And third, the plug-in partnership. how to skip the learning curve, how to plug in a done for you system with AI tools, a sales team, a community already in place, so you never build from scratch. You’ll be ready to move. Now, let me tell you why today is different from anything you’ve seen before. The results behind this model are not new. We and thousands of other people have been generating serious income this way for over 4 years. That’s a real proven track record. Here’s some of our folks crushing it right now, hitting 100K streak from Google search to 20K per month. And here’s some more. and it just keeps on going. But what is new is for the first time ever, we can automate 95% of the process. 6 months ago, the AI tools I’m going to show you today either didn’t exist or weren’t good enough to rely on. That changed and that’s what cracked this wide open for beginners. You’re not starting from scratch like I did. You’re plugging into a 4-year-old system with AI handling the parts that used to take months to learn. And that’s why I know there are people on this call right now who are going to look back at today as the day it all shifted. I don’t know which of you it is yet, but I know that you’re here. So, let me show you why it doesn’t matter where you’re starting from. It doesn’t matter if you’re a complete beginner with zero experience. It doesn’t matter if you’re on a tight budget. All you need is less than an hour a day. And I’ll show you how to find that hour. And if you’ve tried other things before, courses that didn’t work, businesses that fizzled out, stuff that felt way harder than the ad made it look, I want you to hear me on this. It wasn’t you. It was the model. The wrong model fails no matter how hard you work. And the right model works even when you’re still figuring it out. The only reason I can make a claim like that is because we’ve seen it. Hundreds of verified people who have made money with this exact system. And many of them were earning within their first seven days. And this is all kinds of people. People like Jed Nancy here. There are a couple with six kids running a farm. Talk about having no time. And yet now they’re collecting over $12,000 per month with this method. Four to five sales a month. That’s it. That’s what high ticket does for you. Then there’s Noren. She was working as a cashier at Whole Foods, making barely above minimum wage. She followed the steps and had her best month ever. $15,000 from just 20 high ticket sales. Think about that. To make $15,000 selling a $15 ebook, you need to sell a,000 of them. Nor made 20 sales. That’s the difference between the right model and the wrong model. And the story doesn’t end there. Her brother Naveiv watched what she was doing, followed the same process, and in his best month collected $27,000. Now, Naveiv went hard and the timing was right. So, his numbers are on the higher end. But even at half that, even at a quarter of that, we’re talking about life-changing money for most people. All right, let’s get into it, guys. It sounds nuts to say it out loud, but today, the process from this H2 method you’ll soon learn about has now helped me do over 20 million in sales. I was invited on TV shortly after I crossed that milestone. I’ve been invited to speak on big stages with hundreds of people. I’ve been featured on Time Square. I’ve been interviewed by celebrity entrepreneurs like Gary Vee and Grant, others like Dan Mortell. And I’ve taught this model to thousands of people, but none of that compares with this. Last year, I sat down next to my mom and I told her, “I need you to really hear what I’m about to say.” She gave me that look that she always gives me, a little bit worried, bracing herself like something bad was coming. She just turned 60, still grinding out like 12-hour shift, still driving an hour to work, an hour back. Sometimes she’d come home so wiped out, she would fall asleep in her work clothes because she didn’t have the energy to change. And here’s the thing, my mom did everything right. She did everything herself her entire life. That’s what she was taught. Well, we were all taught. Work hard, do it yourself, study, get good grades, get the degree, get the job, put your head down, don’t ask for help, don’t take shortcuts, figure it out on your own, and someday, someday, it’ll all pay off. I call that the do-it-yourself trap. And if you grew up hearing that same message, do it yourself, work harder, grind longer, type relatable in the chat. I’m seeing them come in right now. Relatable, relatable, relatable. Yeah, every single one of us. My mom followed the DIY trap perfectly for 40 years. Did everything herself. Never asked for help. Never looked for a shortcut. And the reward was falling asleep in her uniform because she was too exhausted to change. That’s what the DI trap gets you. Not freedom, not security. Exhaustion with a paycheck. I grabbed her hands and I said, “It’s over. No more shifts. No more alarm clocks at 5:00 a.m. No more coming home so exhausted you pass out on the couch. I’ve got it from here. All of it.” She just looked at me and didn’t say anything. I said, “Mom, I want you at every soccer game, every birthday party, every random Tuesday when the kids just want to make cookies with grandma. You’ve missed enough already. I don’t want you to miss anything else.” Her chin started shaking. “You spent your whole life working so I can have a future.” I told her, “But now it’s my turn to give you the rest of yours.” And she just broke. Like, not polite little tears, the kind that comes from somewhere deep. The kind of says, “I didn’t think I’d ever see this date.” My kids were standing there totally confused, asking, “Why was grandma crying? Why is she so sad? She wasn’t sad. For the first time in her life, she was allowed to stop. That’s what this business gave me. Not the trophy, not the interviews, but that moment, being able to look at my mom who sacrificed everything for me and tell her she never has to work another day in her life. Now, if that story moves you, if you have someone in your life you’d love to have that moment with, type their name in the chat right now. Just her first name. Mom, dad, wife, husband. Just type it. Yeah, we all feel like I see those names. That’s your why. Hold on to that because that’s what this is all about. So, if you’re watching this and you’re thinking, “Chance, this all sounds awesome, but is it really as good as you say it is? Why are you sharing it? Why don’t you just keep this stuff to yourself and make a whole bunch of money with it? Why you got to tell everyone?” That’s the real answer. I want more people to have that moment I had with my mom. whatever your vision looks like. Your parents, your spouse, your kids, yourself. That moment when you realize you are free. Well, let me be straight with you about something else because I believe you deserve the full picture. I’m not up here just out of the goodness of my heart. I am a decent guy, but nobody does anything for no reason. So, here’s what’s in it for me. I’m building a network of partners, people I can hand the system to, run deals with, and build something bigger with. People who go out and win so that we all eat. That’s the game I’m playing here. So, type fair in the chat if you think that’s a fair arrangement. Fair, fair, fair. Come on, let’s see them. I appreciate that. See, transparency matters to me. And here’s what I already know is going to happen. Most of you watching this, I’d say 99 out of 100 probably, you’re going to take everything I show you today and go build it yourself. And I’m good with that. Like, seriously, I’m about to give you the whole playbook, nothing held back. And if you take this and run with it, never give me a dime, and completely change your life, that’s a win. I want to see that happen. Like, I truly mean that. But there’s going to be maybe one in a hundred of you watching this and think, I don’t want to figure this out alone. I don’t want to spend months piecing it together. I just want the shortcut. I want Chance’s team building this for me while I collect all the income. And if that’s you, stay until the end. And once I’ve shown you exactly how everything works, I’ll walk you through what it looks like to partner with us directly where my team and AI handled the heavy lifting and you focus on just collecting the income. So, what we’re going to talk about today is first the biggest, most wide openen online income opportunity no one is talking about. This is completely overlooked and how to do it with zero experience or doing any of the selling yourself or even creating a digital product yourself. We’re going to talk about the three keys to building automated income with other people’s online products that anyone can start with as little as a few hundred bucks. And then I’m going to show you how to automate 95% with an easy to use AI and you don’t have to know a thing about tech because it’s so simple to use as you’ll soon see. And I’m not just going to tell you about it. At each of these three keys, I’m going to share my screen and show you the AI working live in real time. You’ll see it find proven offers. You’ll see it build your landing pages and website from scratch. You’ll see it create viral content for you. Three separate live demos, not slides, not mock-ups. The actual tool running live in front of your eyes. And here’s the through line in all of this. You’re not building anything from scratch. At every step, you’re plugging into something that’s already proven, already working, already generating results. And that’s the opposite of the DIY trap. You don’t build it. You don’t plug it in. All right. Now, let’s be 100% clear on just a few things because it’s important you don’t misunderstand me. Now, while this is highly automated, as I said, it is not do nothing, make money, guys. That doesn’t exist. All right? Consistent effort goes a long way. While this can work fast, it’s not this will make you a million with one click. Those are two different things. And while this completely changed my life, my results are not typical results. And while this has worked for tons of regular everyday people, that is not a guarantee it’ll work for you. Okay? So, your results will vary depending on what you do with it. And I just want to make sure we’re on the same page there. So, type agree in the chat if you understand results take effort. Come on, guys. Don’t be shy. I want to see it. I agree. I agree. I agree. All right. Keep them coming. Good. All right. We’re all adults here. Now, with that said, this is the only thing online that I recommended to my friends and family. This here is ASR and he copied this process. You can see he made over 225,000 which is over 250k USD. Don’t worry guys, I’m going to bring him on live here later so he can share it as well. Then we showed our good friend Jason how to do this. Jason never thought in a million years he’d be making this kind of money from the internet like this. So this allowed him to have hope, see a way out of the grind, and it’s been completely life-changing. So let’s first establish the facts that digital products are the best place for everyday people to make money online. It’s just a fact. The e-learning industry alone is over 400 billion. And that is absurd. More than $1 billion a day is being paid out online. That is more money flowing to everyday people selling digital products than every Fortune 500 CEO. These aren’t tech billionaires. These aren’t Wall Street guys. That money is going to regular people who figured out how to position themselves in front of this wave. So trying to make money online without digital products, I like to say, is like using a banana as a hammer. It just doesn’t make sense. It’s silly. Like what are you doing with your life? And I know this because I lived it. This was me. Let me tell you exactly what happened. See, I thought going online meant I’d escaped from the trap. But I hadn’t. I just traded one version of it for another. Instead of doing everything myself at a job, I was doing everything myself in a business. Sourcing products, building funnels, running ads, handling customer service at 2 in the morning, more hours, more effort. Built everything yourself. That’s what real entrepreneurs do, right? That’s the DIY trap. It just followed me from my career into my business. Same lie, different building. I was doing everything the gurus told me to do. I was sourcing products, building funnels, running ads, handling customer service, dealing with suppliers in China at 2 in the morning, managing shipping delays, the whole thing, working 10, 12-hour days. And I’m not exaggerating when I say my best month, I basically broke even once I subtracted the ad costs, the returns, the software, and the product costs. I remember sitting at my desk one night. I’d been staring at Shopify Analytics for 3 hours, and it just hit me. I’m building everything from scratch. Every single piece of this business I’m personally responsible for. And every time something breaks, I’m the one fixing it. I didn’t have a business. I had a job that I built for myself and a bad one at that. And then something happened that changed everything. A buddy of mine, he was in a completely different space promoting other people’s digital courses online. He casually mentioned what he had made that month. And that number made me sick. Not because he was making so much, because he was barely working compared to me. He didn’t create the product, somebody else did. He didn’t build a salesunnel. It was already built. He didn’t handle customer service. The product creator did. He didn’t close sales. There was a team for that. All he did was get people to look at the offer. That’s it. Get eyeballs on something that was already proven to sell. And I remember thinking, “This is completely upside down. I’m over here building every single thing myself, grinding 12 hours a day, and barely breaking even.” He plugged into someone else’s system that was already working and made more in a month than I made in three. So, I tested it. I found a digital product in a space I cared about. Promoted it with some simple content. And within the first week, I kid you not, I made more in commissions than my entire best month of drop shipping. And I didn’t build anything. I didn’t create anything. I didn’t fix anything. That was the moment the light bulb went off. I’d been lied to. The old way of believing I needed to do everything myself. Work harder, grind longer, build from scratch. But the smartest people in this space weren’t doing any of that. They were plugging into systems that already worked. And that realization, you don’t need to build a business. You need to plug into one that’s already built, became the foundation of everything I’ve done since. That was the moment I escaped the DIY trap for good. I stopped trying to build everything myself. I stopped believing I had to create it all from scratch. And I learned the one lesson that changed everything. You don’t build a business, you plug into one. And how is all this possible? Well, it sure as hell wasn’t physical products. So, what is the digital product? A digital product is as it sounds, a product that only exists digitally and on the internet. things like courses, playbooks, guides, software, coaching programs. And because of that, you can get started with it for practically nothing because you don’t have to buy inventory. It’s just extremely low risk. And the best part of all, in my opinion, is that it can be fully automated. Like 100% automated. I like to call this online income without the BS. Okay? There’s no buying products and spending thousands of dollars. There’s no managing inventory. There’s no shipping to worry about. There’s no client calls or customer service headaches. And you don’t even create products yourself. you use other people’s products. Lendon calls it by far the easiest and most profitable income to start with that he’s ever found. And now he’s done over $100,000 in a single month. But before I go any further, I need to rewire something in your brain. Because the way most people think about making money online is completely backwards. And once you do what I’m about to show you, you’ll never look at business the same way again. Let me ask you something that’ll blow your mind. Have you ever been to Costco? Okay, type yes in the chat if you ever been to Costco. Yes. Yeah. Yeah. But we’ve all been to Costco, right? Most of you. Anyways, if you’ve ever been to Costco, you know about the hot dog, the legendary $150 hot dog and soda combo. It’s been a $150 since 1985, 40 years. They refused to raise the price. The founder literally told the new CEO, “If you raise the price of the hot dog, I will kill you.” Now, why would a company lose money? Yes, lose money on a hot dog. Here’s what actually happens. You drive to Costco thinking you’re going to grab a hot dog. maybe some paper towels. Two hours later, you’re loading a 65 in TV, a lifetime supply of olive oil, and random groceries into your car. Your receipt says 1,288. The hot dog got you through the door, but the TV paid for the building. Costco prints 200 billion a year with this method. McDonald’s uses the same formula. They sell you a burger for a few bucks, but then it’s would you like fries with that and a drink and maybe a McFlurry? That $4 cheeseburger just became a $15 meal. GoDaddy does the same thing. They sell you a domain for 99 cents. Then you need monthly hosting, email, security, SSL certificates. Suddenly that dollar turned into 100. Xbox sells the console at a loss. They don’t care because the next 5 years you’re buying games, subscriptions, controllers, Xbox Live, thousands of dollars over time. These are some of the most profitable companies on the planet and they’re all making billions every year doing the exact same thing. They get you in with something small, something easy to say yes to, and then they make the real money on everything that comes after. We call this the H2H method. Hot dog to high ticket. Type H2 in the chat. If this is starting to click for you, H2H, H2H, Come on, let’s keep them coming. Keep them coming. Yeah. Okay, everyone’s starting to get it. And once you see it, you can’t unsee it. It’s everywhere. It’s how the big players have always made money, and now you can, too. So, here’s why I’m telling you this. Most people trying to make money online are out there selling hot dogs. They’re grinding for $10 commissions, maybe 27 if they’re lucky. They need hundreds of sales just to pay rent. What I’m going to show you today is how to sell the $150 hot dog and get paid for the TV. How to be the person who earns 300, 500, or even $1,000 from a single customer without creating any products yourself, without running ads, without speaking with another human being, and without showing your face if you don’t want to. And notice the pattern here. You’re not building the product. You’re not building the sales system. You’re not building the team that closes the high ticket deals. You’re plugging into all of it. That’s the core of everything I teach. Now, if you’re thinking, “But Chance, I’m not a course creator. I’m not an expert at anything.” That’s totally fine, and neither am I. There’s zero product creation involved. None at all. There’s also no technical skills required. None of the traditional things you might expect to come along with something like this because the way we do it, we sell other people’s products for them and earn massive commissions. and the creation of it, we stay out of it. It’s so simple that even people like Darren here, he immediately had no experience with online business, never sold anything online before, and still makes over $11,000 a month with this, and he’s just done this in his spare time. So, when I say truly anyone can do this, I really mean anyone. Because as a faceless digital product owner, your role is very simple. Your most important role is getting eyeballs on proven offers and then letting the sales system work their magic. because we know how to turn simple social media content into reliable passive income machines that can produce huge life-changing monthly profits month after month after you set them up. And they can work in dozens of niches, thousands of different topics, again without you knowing anything about those topics themselves. And this is what makes our method completely unique from anyone else’s is that all you need is one winning offer to make thousands to even up to $10,000 per month automated online. Like Richard here with just one simple offer he promotes. He’s making incredible commissions every single week. That’s potentially jobrelacing income from promoting one offer. And of course, you can do more. That’s how guys like Faraz here went from zero to over $100,000 per month with this. And he says this business model has been an absolute game changer in his life. The freedom it gives you is just incredible and blows his mind. And guys, we’ve been doing this ourselves for years now. Here’s a screenshot from back in 2022 when I was first getting started with this. So, I’ve seen the ups and downs, everything that’s happened over the years, and I can safely say that right now, there has never been a better time to be promoting digital products online, cuz what used to take weeks can now be done in minutes. What used to cost hundreds of dollars can now be done for practically nothing. And a lot of the work you used to have to do now can be fully automated thanks to AI. So, this software completely bridges the gap and makes selling digital products realistic for absolutely anyone who wants to do it. Because again, the way we do it, all you need is one proven $50 product and then you get paid $500 to $1,000 in high ticket commissions on the back end. That’s the way our hot dog to high ticket model works. And in a few minutes, I’m going to share my screen and show you this AI building everything live step by step, key by key. You’ll see exactly what I mean. But as you can see, Omar made over $9,500 per month from being an H2H method AI owner. He says, “I can’t believe how quickly this is happening and primarily all off of the core offers that he promotes. So, we’re actually using our own AI tools right now so we can get content made, get it posted, drive traffic, and grow our business faster than we ever have.” Right? So, imagine for a second, what if you were just one offer away from creating whatever life you want for yourself? one offer away from say leaving your nineto-ive job. This here is Crystal. Crystal was working grueling hours at her job, feeling exhausted and overwhelmed. All she wanted was financial freedom and more time with her family. And she was easily able to replace all of her income from the core offers she promotes. And now she says being able to work from home and have this freedom is the most amazing feeling ever. And what if you’re one offer away from escaping the corporate grind? Travis was worried about being replaced by AI, but guess what? He didn’t have to keep worrying like that anymore. He discovered digital products, positioned himself to sell the hot dog product, earn high ticket commissions, and now he’s collecting 22K per month. But listen, maybe all you want out of this is just a little extra income. And it’s really not asking much. Just a,000 to $2,000 a month. Well, here’s Caleb, a regular guy, and he’s thrilled about being able to bring home an extra $40,000 a year working just a couple hours a week. And you know what? Why not? That kind of money covers most people’s mortgage, all of your groceries, car payments, everything just from doing this. It’s pretty crazy, right? So, type enough in the chat if an extra,000 to $2,000 a month would be enough to change your life right now. Let’s see it. Enough. Enough. Enough. Okay, that’s the thing, guys. You don’t need 100k months. For most people, a couple thousand extra per month is the difference between stress and freedom. Now, for me, it simply meant that I was able to take better care of my family. I remember what it was like staring at the ceiling at night wondering if I’d ever escape the grind. I remember the fear, the uncertainty. I remember talking to people who’d spent their whole lives doing everything themselves, working harder, grinding longer, trying to figure it out all alone, and they were struggling. And that’s the thing about the DIY trap. You do everything right. You do everything yourself, and you’re still lying awake at 2 a.m. wondering if you’re ever going to get ahead. And that’s what digital products have helped me escape. And that’s what it can do for you, too. So, now I’m going to show you exactly how you can start making this happen for yourself using our trademarked H2 method. Now, this is where we make one $50 sale and collect $500 to $1,000 commission payout using this easy AI system. And remember the core principle driving all this. You’re not building a business from scratch. You’re plugging into a system that’s already built, already proven, already generating results, already done for you. Every single key I’m about to show you is designed around that idea. Now, the H2 method works on the idea of less is more. And the perfect example here is Andrew. Andrew was following someone else’s advice who said, “Promote a bunch of different offers. You know, the more offers you promote, the more money you make.” He spread himself thin across 20 different products. Made $300 in total. Then he came to us, followed our simple H2 method, and is now making 31K per month in commissions. Okay, that’s the power of this. And I’m going to show you how exactly he did it. It was following the three keys of the H2H method. And those three keys are very simple. Find, build, and traffic. Okay? And at each key, I’m going to share my screen and show you the AI doing the work live so that you don’t just hear me talk about it, you watch it happen right in front of you. So, type three keys in the chat if you’ve got your pen and paper ready. All right, let’s see it. Three keys. Three keys. Three keys. All right, people are paying attention. Now, let’s dive in. So, let’s get into the first key of the A28 method. Find a winning offer. Now, before I show you how we find offers, I need to show you the mistake that kills more digital product promoters than anything else. Because if you don’t understand this, nothing else I show you today will matter. Here’s what most people do. And it seems smart on the surface, but they look at thousands of digital products available to promote, and then they think, I should promote a bunch of different ones. More offers mean more chances to make more money, right? Diversify. Cast a wide net. Something’s got to stick. Sounds logical, makes total sense. It’s also dead wrong. And it’s a DIY trap disguised as strategy. Do more, work harder, figure it all out yourself across 20 different directions, and eventually something will stick. When you promote 20 different offers, you’re splitting your time, your content, your energy, your attention across 20 different directions. You can’t go deep on any single one, and you never learn what messaging actually converts for the specific audience. You don’t build authority in any niche. You don’t develop the kind of content machine that compounds over time, and you’re throwing spaghetti at 20 different walls, hoping something sticks and wondering why you’re exhausted and broke. This is the number one reason why people fail at promoting digital products. Not because the model doesn’t work. It clearly works, but because they turn a simple model into a complicated one by spreading themselves impossibly thin. And let me show you exactly what I mean. Andrew came to us after following someone else’s advice. Promoted as many offers as he can. He spread himself across 20 different products, 20 different niches, 20 different content angles, weeks and weeks of effort. Total result, 300 bucks. Not 300 bucks a day, not 300 bucks a week, just $300 total. After months of grinding, he was demoralized. Honestly, he thought the whole model was a scam. He was ready to quit everything, but then he came to us and we told him something that went against everything he’d been taught. We said, “Stop. Drop it all. 20 offers. Pick one. One winning offer. One audience. Just one message.” He thought we were out of our minds. How could doing less possibly make more money? But he followed the H2 method. He found our proven hot dog offer with a high ticket backend. And he built his system around it. He focused all of his content on serving one audience with one clear message. And Andrew now makes $31,000 per month from one offer. Okay, I need you to actually sit with that. He went from $300 total across 20 offers to $31,000 per month from one same person, same amount of effort, completely different results. The only thing that changed was the strategy. That’s the power of key number one. And it’s deeply counterintuitive. The DIY trap tells you more is better. More hustle, more offers, more hours. Do it all yourself. Spread yourself thin. Grind harder. But in this model, one winning offer beats 20 random ones every single time. Because when you go all in on one offer, everything compounds. Your content gets better, your messaging gets better, sharper, your audience starts to trust you, the algorithm starts favoring you because you’re consistent. One snowball rolling downhill beats 20 snowflakes blowing in the wind. So the question becomes, how do you find the one winner? This is where most people freeze. Analysis, paralysis, thousands of products out there. Which one do I pick? What if I choose wrong? What if I waste months promoting something that doesn’t sell? That uncertainty is actually more dangerous than picking one because at least if you pick wrong, you’re learning something. But if you freeze and pick nothing, you stay exactly where you are. And that’s the most expensive outcome of all. We eliminated that problem entirely. And I want to show you how live. All right, guys. You ready? Now, I’m about to show you the H2 software. Are you ready? I have been patiently waiting to show you this because of how slick it is. Boom. Here you go. Check this out. This is the dashboard all in one place. First thing I want you to notice is like how clean this looks. It’s nothing overwhelming. It’s very simple. You don’t need a tech degree. If you can click a mouse, you guys, you can use this. Now, look at this tab right here. These are all the high converting offers already loaded into the system. I didn’t build these. I didn’t have to negotiate with the vendors. I didn’t have to set up the affiliate links. They’re already here. They’re already connected. All in one place. They’re already proven. These already work. Now, I’ve been in the industry for many years and I’ve done tens of millions in sales. And my team and I, we know exactly what converts. We know what pays. We know what’s going to last, right? So, you can keep running the same offer for years and years to come. We went through the entire marketplace cuz there are hundreds, if not thousands of different ones out there. And we handpicked the best performing offers, products already proven, already generating millions of sales, already paying out massive commissions to our promoters. And guys, these aren’t theoretical like this might work products. These are documented winners with years of sales data behind them. So see this right here? This one sells for 47 bucks, 97 bucks, 27 bucks. Well, they actually have a back-end high ticket commission where this one’s going to pay a,000 plus in commissions. Some of them can be a,000 bucks. Some of them can be 1,500, some of them can be 2,000. And they’re already connected on the back end, so you don’t have to worry about any of that. And the best part is you don’t have to sell these yourself. Like there’s already professional teams on the back end closing these deals for you. Like it’s completely done for you. You just sit back and you collect the high ticket commissions. So, let me actually select one right here. Okay. So, I’m going to select this offer here.

    And this one’s going to pay out the 27 bucks on the front end and then about $1,000 worth of high ticket commissions on the back end. So, I just clicked it and that’s it. That’s my hot dog offer. It took 3 seconds. I didn’t have to spend hours finding an offer that wouldn’t sell. And I didn’t even have to create this. That’s the power of what we built. You’re not sifting through tens of thousands of random products hoping that one of them is a winner. You’re choosing from a curated menu of proven success with just one click. And you’re going to absolutely love what comes next in the build. But first, understand what we’re doing here. Remember the Costco hot dog? Lowcost entry product that leads to much bigger purchases. Every offer we promote follows this exact structure. An easy $47 offer, an easy $97 playbook, a $500 miniourse, something priced low enough that people say yes without overthinking it. And that’s your hot dog. It gets them through the door. But behind that front-end product sits a high ticket backend. A97 advanced program, a $2,000 coaching package, a $5,000 mastermind. That’s your TV. And here’s the part that changes everything. You don’t sell the backend. A professional sales team handles that entirely. These are established million-dollar companies that are paying you commissions. You just sell the hot dog and they sell the TV. And you collect commissions on all of them for bringing them the hot dog buyers. This is where the real money gets made. and you’re not involved in any of the backend. When someone buys a product using your special link, your name gets stuck to that customer forever in their system. It’s like writing your name on their file and permanent marker. Now, here’s the cool part. The company that made the product, they already have a whole system set up to sell that customer bigger and more expensive stuff over time, like courses, coaching, and VIP programs that cost hundreds or even thousands of dollars. The company does all the heavy lifting, the emails, the phone calls, the selling. You don’t have to do any of it, but because your name is permanently on that customer’s file, you get paid every time they buy something bigger because you’re the one who brought that person to them in the first place. So, that person who originally bought a little $47 thing, they might up spending $2,000 later and you get paid $1,000 in passive commissions from that just because you brought them that person. You literally just get a notification on your phone one day like, “Hey, you just earned a,000 bucks from a sale you didn’t even know was happening. Guys, this is 100% done for you. Gordon is a great example. Complete beginner, had failed at e-commerce, no relevant experience whatsoever. He came to us and we helped him find the right offer. One proven hot dog in a niche that made sense for him. And now he’s generating tens of thousands of dollars per month, not because he’s special, because the offer was already proven. He just needed to find the right one and commit to it. So, here’s where you are after key number one. You’re not guessing. You’re not researching for weeks. You’re not hoping you picked right. You’re not spreading yourself across 20 offers and praying something sticks. You selected one proven winner from a handpicked collection. An offer that’s already generating millions in sales, already paying massive commissions, already converting through an optimized sales system with a high ticket backend already connected. You saw me do it live in 3 seconds. One click. And notice what you did not do. You didn’t build the product. You didn’t build the sales system. You didn’t negotiate the commissions. You didn’t assemble the back-end team. You plugged in. That’s the escape from the DIY trap. You stop trying to do everything yourself and you plug into what’s already working. The offer is proven. The backend is high ticket and the sales system is built. Your one winning offer is locked in. Now, you need a way to get that offer in front of people. Which brings us to key number two, the build. So, you’ve got your winning offer. Your hot dog is locked in. You know it sells. The proof is already there. Now, let me ask you something. And I need you to be honest with yourself here. Have you ever started something online, a website, a side project, a business idea, and spent weeks, maybe even months, trying to get everything set up perfectly before you actually launched? Tweaking the design, rewriting the copy, watching tutorial after tutorial, telling yourself you’ll start promoting once everything looks just right. Type me in the chat if this sounds familiar. Yeah, me, me, me, me, too, guys. I’ve done it so many times, almost everybody on this call. If that sounds familiar, I need you to hear this. There’s a silent killer in the online business world. It doesn’t get talked about because it disguises itself as productivity. It feels like progress. It feels responsible. It looks like you’re doing the right thing. And it destroys more businesses than bad products, bad markets, or bad luck combined. I call it the build mode. And build mode is the do-it-yourself or DIY traps favorite weapon because it trained you to believe that you have to prepare everything yourself before you’re allowed to start. Study first, learn every skill, master the tech, build it all from scratch, get it perfect, then and only then you’re allowed to go live. Build mode is that belief eating your business alive and is almost certainly the reason why most people watching this don’t have an online income right now. Here’s how build mode works. You find an offer to promote. Great, step one, done. Now you need a landing page. So, you spend a week learning landing page software. You watch 14 YouTube tutorials. You design something. It looks okay, but not great, so you redesign it again. Now, it looks worse. You start from scratch. Two weeks gone, zero sales, zero traffic, zero dollars. Then you need sales copy for that page. You’ve never written copy before. So you Google how to write a sales page. You read six articles. You draft something. It sounds weird. You rewrite it. You ask a friend. They say it’s fine. And then you rewrite it again. Anyways, another week gone with zero sales. Then you need a website. You need ad creative. You need email sequences. Maybe SEO too, just in case. Each one is another week, another learning curve, another thing standing between you and your first dollar. Eight weeks in, you’ve worked on your business. Every single day, you’ve been busy. You’ve learned a ton, and you have made exactly 0. Now, here’s the part nobody tells you. Here’s why the build mode is actually lethal. Your belief in this model, your belief that this can work for you is directly tied to how quickly you see results. Every single day that passes without a sale is a day your brain is quietly collecting evidence that this doesn’t work. It doesn’t matter if the model is proven. It doesn’t matter that thousands of people are making money with it. Your brain doesn’t care about their results. It cares about yours. After 8 weeks of building with nothing to show for it, most people quit. Not because the model failed them, because Build Node ate them alive before they ever got to the part that actually makes money. I’ve seen this hundreds of times. Smart, motivated people who absolutely would have succeeded gone. buried in tech, killed by perfectionism, disguised as preparation. So, here’s the insight I need you to really internalize. If you write down one thing from today, make it this. The single most important metric in your first 30 days, it’s not how good your landing page looks, it’s not how polished your content is, it’s not how professional your website is, it’s how fast you get your first sale. So, type speed in the chat if you know money loves speed. Speed, speed, speed. Exactly. speed to first sale changes everything because the moment that first commission notification hits your phone, even if it’s $50, even if it’s $85, your brain shifts from I think this might work to holy crap, this works. And that shift from hoping to knowing is worth more than any landing page design or copyrightiting course on the freaking planet. And that’s the moment you stop being a person who’s trying something and become a person who has a business. So here’s what we did. We looked at every single friction point. Every place where people got stuck, where they gave up, where they wasted time or lost motivation, and we eliminated them. I don’t want you to just take my word for it. Let me show you. All right, here’s the live demo number two. This is the one that makes people’s jaws drop. I’m going to share my screen and show you what killing build mode actually looks like. Now, remember the offer that we selected a few minutes ago? That product that pays you 27 bucks on the front end and pays you $1,000 on the back end? Well, it’s right here already locked in from key number one. And now watch what happens next. This is crazy. Okay, so for the business name, literally you can choose whatever you want. I’m just going to do AI Masters. I’m going to click next. Now, you can choose the theme of your website. You wanted to have a light theme or a dark theme. I’m going to choose dark. And then you choose the color palette that you want for your website. I’m going to go with neon pink. And I’m going to click next. And then right here, you actually put in your payment link so that you can collect money from the leads. So, I’m just going to put in a test link for right now, just for the sake of this demo. And I’m going to go ahead and select generate website. Now, the AI is building the entire landing page right now. The headline, the sales copy, the call to action, the email capture. It’s writing everything. And it’s not going to generate some like template garbage. This is copy specifically designed for digital product promotion based on years of testing and millions of dollars in results.

    And boom. Look at that guys. What that take like 30 40 seconds. Look at this thing. full landing page, professional copy, mobile responsive, beautifully designed, checkout button, everything a customer needs to go from interested in a product to a buyer. And it was all done in under 30 seconds. You can literally send traffic to this right now and start making sales. Guys, type insane if your mind is absolutely blown right now. Like, this is insane. We didn’t need to spend hours doing research. We literally clicked a couple of buttons and boom, just like that. All right. Now, type insane in the chat. Like, let me see them. Type insane if this is nuts, right? Like, you guys are starting to get this. Is this starting to click for you? That all just happened. A complete funnel and website in under a minute. Like, I don’t know how to code. So, we didn’t need any coding. We didn’t need to pay any designers, no tech skills, no build mode. Like we’ve been talking about this whole time. The H2H AI built every single piece of this. And you didn’t pay any designer thousands of dollars. You didn’t write a word. You didn’t design anything. You clicked buttons and the AI did the rest. So, let me ask you, how long do you think that this would take if you did all of that yourself, right? The landing page, the sales copy, the website, the checkout flow. We’re talking weeks, if not months. Some people spend 6 months trying to get to this point and then give up before they ever make a single dollar. And we just did it all in under a minute live in front of you. So, let me put this into perspective so that you feel the difference. the old way. Six to eight weeks of building before you’re ever ready for traffic. Thousands of dollars spent on tools, designers, and software. Motivation bleeding out every day you don’t see results. And most people never even make it to launch. Now with H2 AI, pick your offer. Click to deploy your landing page. Click to launch your website. Your entire system live and ready for traffic in an afternoon. You’ve just watched it happen in under a minute. John is a great example. He deployed his system using the H2H AI back in early 2024. He set it up once, didn’t rebuild it, didn’t go back and tweak it for weeks. He deployed, started driving traffic, and months later, that same system is still generating leads and sales every single month. The machine he built in one afternoon is still paying him while he sleeps. That’s what automated income actually means. You build it once, and because we’ve already built the hard parts for you, once means minutes, not months, and it works for you indefinitely. And guys, there’s dozens of niches that we can do this in. So, let me give you a few examples so you can see the range of what’s out there. Online education and coaching programs is one of the biggest categories. Programs teaching real estate investing, e-commerce, social media marketing, all generating massive commissions. Business opportunity offers, which is a niche we’ve had enormous success with personally. Investing education and career development, trading courses, wealth building, career coaching, very passionate buyers actively seeking solutions. You got health and wellness, absolutely massive weight loss coaching, fitness programs, anti-aging. The buyers in this space are some of the most motivated you’ll ever encounter. And there’s even more. relationship coaching, personal growth, parenting, productivity, categories so broad you think they couldn’t work, but they’re generating massive commissions every single day. What I can guarantee is that there’s an offer for you. Whatever your interest, whatever resonates, there’s a proven hot dog waiting for you in that space. So, here’s where you are now. Key one, you found your winning offer. One proven hot dog with a high ticket backend already connected. You watched me select it live in 3 seconds. Key number two, you deployed your system. landing page live, website ready, copywritten, all handled in clicks, not weeks. And you watch the AI build every piece in under a minute. No build mode, no three-month death spiral, deployed and ready. And once again, notice what you didn’t do. You didn’t design the landing page. You didn’t write the copy. You didn’t code the website. You didn’t draft the emails. You plugged into a system that was already built. Two keys in and you still haven’t built anything from scratch. The DIY trap says you have to do all this yourself, but you just watch the H2 AI do it in under a minute. So, you have the offer, you have the infrastructure, everything is in place. There just one piece left. You need people to see it. You need eyeballs on your offer. So, type traffic in the chat if you’re ready for key number three. Come on, guys. Let’s see it. Don’t traffic. All right. People are still in. They’re still getting fired up. This is one of my favorite parts. All right. So, let’s go. All right. And that’s key number three where we unleash what I call the traffic avalanche. And this one is going to blow your mind. And this is also where I need to address something that I know is on a lot of your minds. Something you might have been thinking this whole time, but haven’t said it out loud yet. I know that some of you are thinking, “Chance, that sounds great, but I don’t want to show my face. I don’t want to get on camera. I don’t want my co-workers or my family or my friends to see me doing this and judge me.” Type me in the chat right now if that’s a fear that you have. Me, me, me. Yeah. A lot of you like, you know, I’m the same way anymore, right? Yeah. Yeah. I feel that. I feel that. Let me kill that fear for you right now because not only do you not have to show your face, for many of our students, going faceless is actually the preferred method. You get all the income benefits with none of the social exposure. And here’s the thing, most people who want to make money online are terrified of one thing. And it’s not the tech, it’s not the money, it’s the fear of being seen trying and failing publicly. They’re scared their co-workers will laugh. Their family will judge them. Their friends will think they got scammed. That fear keeps more people broke than any lack of skills or knowledge ever could. So, let me be crystal clear. With the H2H method, you can do this completely anonymously. No face, no voice, no real name. You can create a brand new account that has nothing to do with your personal identity. Post simple faceless content and make money while nobody in your life has any idea. That’s not a limitation, that’s a feature. Now, let me show you how this actually works. Cuz this is where I need to challenge something you probably believe about creating content online. If you’ve ever thought about posting on social media to grow a business, you’ve probably had this thought. I need to be creative. I need to come up with original ideas. I need to find my unique voice and stand out. Sounds right, doesn’t it? That’s what everyone says. Be authentic. Be original. Stand out from the crowd. That’s a DIY trap whispering in your ear again. Figure it out yourself. Be original. Work harder than everyone else. Come up with your own idea through sheer willpower and talent. But that’s not how content works. Here’s what I’ve learned from 4 years and tens of millions of dollars in this business. When you’re starting out, originality is your enemy. I know that sounds backwards, but let me explain. The algorithms on Tik Tok, Instagram, YouTube, they don’t give golden stickers for creativity. They reward one thing and one thing only, patterns that keep people watching. That’s the entire game. These platforms want eyeballs glued to screen so that they can sell ads. So, they push content that holds attention. And here’s the thing about attention holding content. It follows patterns. Specific hook structures, specific pacing, specific call to action frameworks. The top 1% of videos on every platform share the same underlying patterns, even though they look completely different on the surface. So, when you sit down and try to be original, you know what you’re actually doing. You’re ignoring every pattern that millions of data points have already proven to work and hoping your untested idea somehow performs better. That’s not creative. That’s gambling. Smart marketers have known this for decades. You don’t reinvent the wheel. You find wheels that are already rolling and you build your own version. And that’s what I call the swipe and deploy system. It’s the reason complete beginners are generating traffic and sales from the very first week. And I’m not going to just explain it. I’m going to show you live demo number three. This is the last one. And honestly, this one might be the most exciting. All right, guys. This part is so sick. This is the content radar. All right. Now, I want to show you something. This is going to make all this in real time using AI. So, check this out. I’m just going to insert income and hit get results. and it’s going to scan Tik Tok, Twitter, YouTube, Reddit ads, and it’s going to find the most trending viral videos around income. All right, now let’s just give this just a few seconds and your mind is about to be blown cuz the AI is going to scan and it’s going to find the top 1%. Okay, so let’s give it just a second for it to load.

    And these are the videos that are blowing up right now. Like, check this out. This is 3.4 4 million views. Uh 169,000 views. Uh so what we’re going to do is we’re going to grab this top one because this is the most viral one for income on Tik Tok. And I’m going to select generate my version. And then what I can do here is I can choose which model that I want. Okay. So I’m going to choose this one here. And it’s going to start generating my video. Uh, it’s going to take the transcript of the previous video we just looked at, and it’s going to create the exact same video, but with the model that I just chose, and it’s going to give us all the data around why this video went viral. Okay, this is pretty nuts, and it’s only takes a couple of seconds to load. So, we’re just going to let that load here in the background. And guys, remember, these are not random videos. These are proven viral videos. All right, so we come in here um and we look at the transcript. So, what we used to do back in the day is we would get viral transcripts and then we would record that video ourselves or we’d pay somebody to do it. But again, that takes time, that takes energy, it costs money, you got to do so much editing. Remember, we don’t want to get stuck in that DIY trap. So, what it’s going to do now is it’s going to let us create our version. Okay? So, it’s going to take just another minute or so here. And what you’ll notice is it took the hook structure, the script, the call to action. It’s reverse engineering everything that made this video go viral so that we can repeat the same success.

    Now we’re going to go ahead and click confirm transcript.

    And now we’re going to go and click on approve and generate video.

    Now remember, I didn’t hire a content strategist. I didn’t spend hours brainstorming or doing research. I didn’t have to write a script either. All I did was click a few buttons. And AI is doing this 100% for you. And wow, look at this guys. No face required, no effort required, no skills required. Your face isn’t required. This is a completely faceless video that AI created. You didn’t have to record on your camera. Nobody sees you. Nobody knows what you’re up to. And guys, just look at how good this is. It’s only getting better every single day. Now, all I had to do is just download that video. And now I can go and edit it. I can add subtitles. I can add B-roll. I can do whatever I want to that video. I can also just add captions here, download that video, and it’s ready to post on social.

    Side hustles that actually make good money. And look at that. Now, your subtitles are already done and you can just go post this on social media. Now, I want to show you something else. I want to show you accounts that are actually making money doing this right now. See this account right here? No face, no name, no personal identity whatsoever. Just simple content with text overlays. This person makes over $8,000 a month promoting digital products. Nobody in their life knows that they even do this. Here’s another one. See these videos? It’s run by a dude that uses Content Raiders viral scripts. They post videos with this AI avatar 20 to 30 seconds long. And look at this. This video got 150,000 views. This video got 1.8 million views. This video got 3.2 million views. No [snorts] real face, no real voice, no real identity, but loads of traffic. And this is one of our students, Talha. Look at this. He tried posting for years with his face barely getting views. And then he followed our process. He saw this format crushing it on the content radar and posted a video with his hands on a keyboard with a motivational quote on a screen and he got 419,000 views with another one shortly after that getting a 100,000 views. He’s done really well with tens of thousands in sales now and none of these people showed their face. None of them spent hours trying to make content. Nobody in their life has any idea they’re making money online. So, type faceless in the chat if this changes things for you. Let’s see it. Faceless. Faceless. Faceless. Yes, I love it. A lot of you just had something shift, didn’t you? So, let me recap what you just saw. The content radar finds proven viral videos. The AI copies their patterns. You click one button and it creates your version completely faceless if you want. Script written, format chosen, ready to post. You didn’t have to brainstorm. You didn’t have to be creative. You just copied what’s already winning and let the AI do the heavy lifting. The one-click multiplication. Now, here’s where it gets really funny. That same video, that exact same video you modeled and created works on Instagram reels. It works on YouTube shorts. It works on Facebook. Same content, same file, different platform, different audience. So instead of creating three pieces of content for three platforms, you create one piece of content and post it in three places. You just tripled your traffic for zero extra work. Let’s say your video gets 10,000 views on Tik Tok. Pretty solid. Now, you post the same video to reals, another 8,000 views. Same video to YouTube Shorts, another 12,000 views. You went from 10,000 people seeing your offer to 30,000 people seeing your offer with one video. That took you 15 minutes to make because you weren’t starting from scratch. You were modeling a proven winner. And here’s what’s wild. The audiences don’t fully overlap. Someone scrolling Tik Tok at midnight isn’t the same person browsing Instagram at lunch. So, you’re not just getting more views, you’re getting more reach into different pools of potential buyers. I call this omniresence without the overwhelm, the math. Now, let me slow down and show you exactly what this looks like in dollars and cents. Because once you see these numbers, you’ll understand why our students get so obsessed with posting content. Let’s keep this ultra conservative. One video a day, that’s it. Nothing crazy. 15 minutes of your time using the AI tools we’ve got for you. Now, let’s say that your video averages just a,000 views. Not viral, not explosive, just a thousand people seeing your content. Honestly, that’s on the low end of what our students typically see, but let’s just use that anyways. Now, let’s say you’re promoting a $100 digital training, something right in the sweet spot of our hot dog offers. Industry average conversion rates for this type of content hover around 2 to 3%. But let’s be pessimistic. Let’s say you only convert at 1%. half of industry average. Worst case scenario, 1% of 30,000 views is 300 clicks to your offer. And 10% of those convert to buyers. That’s 30 sales. So 30 sales and an average commission of $85 per sale, which is typical for these front-end offers comes out to $2,550. Almost 3K from one simple video a day at below average conversion rate. But wait, we’re not done. Remember the hot dog formula? Those 30 front-end buyers are now inside the product owner’s funnel. Remember what I told you? The moment they bought through your link, you’re tagged as their referral. Now, the product owner system takes over their email sequences, their follow-up content, their sales team, all working to upgrade those buyers to the high ticket backend. Industry data shows roughly 3 to 5% of those front-end buyers upgrade to the high ticket. So, let’s just say one or two of your 30 buyers gets on a call with a product owner sales team and decides they want the advanced program. At $1,000 commission per high ticket sale, that’s another $1 to $2,000 on top of your front-end earnings. So, your real monthly total closer to 4,500 to $5,000 from 15 minutes a day. Type money math in the chat if you’re seeing this clearly now. The math works. All right. All right. Let’s see it. Yep. Money math. Money math. Money math. You guys are starting to get it right now. We’re starting to get excited. And remember, we calculated using just one platform. So, if you’re posting that same video across Tik Tok, Instagram, YouTube, like we talked about, triple those views, triple that math. Suddenly, you’re looking at $10,000 a month from the same amount of effort. Now, everything I just showed you works with zero ad spend. You can build the entire business without paying a dime to Mark Zuckerberg or Google. This is the organic path, and that is super powerful. But I know some of you are watching this thinking, “Chance, I don’t want to wait for the snowball to build. I want results.” Now, if that’s you, there’s a $5 speed button. I’m only mentioning this for the small percentage of you who want to move faster. Everyone else, ignore this completely. The organic avalanche is the main event. Here’s how it works. You already have the video. AI helped you make it. You already have the offer. The hot dog is ready to sell. If you have $5 to spare, you can take that same video and run it as a simple ad. Think of it like a vending machine. You put $5 in and views come out. No waiting, no hoping, no praying the algorithm notices you. Just instant distribution, a targeted audience. For five bucks, the platform will show your video to roughly a,000 people who match your ideal customer profile immediately. Day 1 through three, you’re spending five bucks getting views, building data. Nothing exciting yet, but you’re planting seeds. And day four or five, ding, first sale, 25 bucks. You just turned $15 into 25. Most people would celebrate, but not you. You take that 25 and you shove it right back into the ads. And day six or day 10, more views, more leads, more buyers entering into your funnel. The machine is warming up and then it happens. Someone who bought your $25 frontend enters the product owner’s Ascension system. And a few days later, they get on a call with the product owner sales team and they upgrade to the $997 program. You just made a $1,000 commission from a sale you had nothing to do with from a customer who cost you $5 to find. It’s a vending machine. Dollar in, $5 out. You stand there all day feeding it quarters. That’s a solid return on investment. Uzi uses the $5 method strategically. He went from 0 to $27,000 per month in just 50 days. But let me be clear, you don’t have to do this. The organic path works. Thousands of people are building real income without spending a scent on ad. If you’re on a tight budget or you’re patient, just stick with organic. It compounds. The paid option is just there if you want to pour gasoline on the fire. Why? This changes everything. What I just described, one piece of content modeled from a proven winner, distributed everywhere, the algorithm doing all the heavy lifting, optional paid acceleration if you want it, completely faceless if you prefer. This was not even possible 5 years ago. It wasn’t even practical 2 years ago. The AI dashboard to create content this fast didn’t exist. The short form platforms weren’t this dominant. And the cross posting wasn’t this seamless. The algorithms weren’t this hungry for new creators. But right now, all of these forces have converged at the exact same moment. The barrier to getting traffic has never been lower. The tools to create content has never been faster. And the platforms have never been more desperate to find new creators to push. And most people are still stuck in the DIY trap, thinking they need to create everything from scratch, build an audience slowly, pay their dues, figure it all out on their own. And that’s not how this works anymore. You don’t need luck. You don’t need a following. You don’t need a viral moment. You don’t need to show your face. You just need system. And once again, notice what you didn’t do in key3. You didn’t invent the content format. You didn’t brainstorm viral ideas from scratch. You didn’t spend weeks creating a content calendar. You plugged into patterns that were already proven to work and the AI helped you deploy your version in minutes. You watched the content radar do it live. Three keys in three times you plugged into something that already existed instead of billing from zero. That’s not a coincidence. That’s an entire philosophy. Find a winning offer. You watch me select one in 3 seconds. Deploy your system with AI. You watched it build a landing page and website in under a minute. Unleash the traffic avalanche. You watch the content radar create faceless viral content at the click of a button. That’s the H2 method. Three keys, three live demos, no complexity, no waiting, no more following the DIY trap. Type I’m in in the chat if this is starting to feel like something that could actually work for you. I’m in. I’m in. I’m in. Hold on to that feeling. Come on, guys. I see it. I’m in. Who’s in? Are you guys Are you guys with me? All right, let’s go. So, guys, let me take a breath for a second. Sorry, I get really excited. I get really fired up

    because I want to make sure something actually lands for you before we go any further. Over the last hour, I’ve shown you three things that if you really understand them, they put you in a completely different position than 99% of people trying to make money online right now. And they all point to the same truth I told you at the very beginning. You don’t need to build a business from scratch. You need to plug into one that’s already built. People like Andrea, she didn’t think it was possible. never made an online income, but she simply just gave it a shot and now making over $6,300 per month by making this single shift. And now she never has to worry about money again. How nice would it be if you never had to worry about money again? Pretty nice, right? Type never again in the chat if you’re ready to stop worrying about money. Never again. Never again. Never again. Never again. All right, I hear you guys. Now, I’ve shown you the $300 billion per year digital products industry that’s shockingly untapped, and now you can get started with it from scratch using the H2 method, selling the $150 hot dog, but getting paid for the TV. I’ve shown you how to find proven offers with high ticket backends that convert with certainty. You watch me select one live in just a couple of seconds. I’ve also shown you how the H2 AI deploys your entire system in clicks. You watch to build a landing page and websites in under a minute. And I’ve also shown you the traffic avalanche method using the content radar to create content modeled from proven viral winners completely faceless if you want. Every single step, three live demos, three times you’ve watched someone plug in instead of building it from scratch. And the best part is you’ve only seen a tiny fraction of the success happening right now. The A2 program lives inside something called the AI owners community. And here’s the thing. Instead of being afraid of AI, instead of worrying about getting jobs replaced by it, our tribe of like-minded folks have decided to flip the script. We own the AI. We make money from it. There are hundreds of them making reoccurring income from digital products every single month. This is not your typical online business. And these are just a few of the people from our community. And it just keeps going. So now the question is, how do you get access to all this? How do you get the H2 AI, the traffic avalanche system, the proven offers, and a step-by-step guidance to actually make this work? So guys, this is far and away the biggest and best thing we’ve created. And today, we’re opening up 50 spots inside the H2H community. We have to limit it to 50 because of the hands-on coaching and support our team provide. Every person who joins gets access to live coaching, calls, offer approval, and direct support from our team. And if we let too many people in at once, we can’t deliver the level of attention that actually gets you results. So, we cap it at 50 to make sure that everyone who joins gets the support that they need to succeed. So, we can only take 50 people at this stage. So, if you’re seeing this right now, that means we still have availability. When you join, you get full access to the H2 AI software, the same tool I showed you live three separate times today. The tool that finds proven offers, builds your landing pages and websites in clicks, and uses the content radar to create viral content by modeling what’s already working, including completely faceless content. You get the complete training program to go along with it and unlimited support for every step of the way. So, here’s what you get. First, our brand new H2 Academy program, which is laid out in simple step-by-step training videos structured around the three keys I showed you today. Find, build, and traffic to get you your first sale in 7 days. All you do is come in and follow the videos. So, Uzi here followed the videos and he says, “If you just put 50% effort into the program, you’ll create an asset that pays you for life. This month, I did over 27,000. The value and guidance here is incredible.” So that’s what other people are saying about the course and you get lifetime access to it forever. All right, but today what you get today is a whole lot more than just a course. You also get unlimited access to weekly group coaching calls. So this is where you can connect directly with our highly trained coaches up to 4 days a week. This is going to help you get past any obstacles, whether it’s selecting your first winning hot dog offer, setting up your systems, or unleashing the traffic avalanche and get your offers converting as quickly as possible. Now, this is normally an extra $195 a month add-on, but today we’re including it for free. And that’s because we want to make this program the most successful one we’ve ever had. So, for our members, we’re not giving you any reason not to succeed. So, we’re just going to include all the support and coaching you could ever want. How does that sound, guys? Type in the chat, yes, if that sounds good. Let’s see it. Come on. The more I see it, the more bonuses we’re going to be releasing here. All right. Yes. Yes. Yes. There we go. There’s some more. All right. So, next you also get access to our private H2 AI owners community. This is the main hub where you’ll hang out with other members. When you have a community where you’re surrounded by like-minded individuals and coaches that are supporting you every step of the way, your probability of success goes up 10fold. This is why all the software CEOs are in Silicon Valley. All the top actors are in Hollywood. All the top bankers are in New York. The community is also a great source of daily inspiration as well as help from other members like Lyndon here. He’s posting some motivational tips, some things that helped him scale to over 100K a month using the H2H method. Next thing you’re also going to get is what we call our offer approval system. This is actually super important. Remember key number one, finding a winning offer. This is where our team of professional coaches will review your hot dog offer selection, hold your hand, and approve it before you start promoting. We make sure it has the right price point, the right high ticket backend, and the right commission structure. And this is how we really make sure you’re doing it right so that you can be confident and maximize your commissions and ultimately to make you your first campaign a success. And then last but not least, you also get access to our brand new H2 AI. That’s 6 month unlimited access to our tool that’s going to help you automate 95% of the process. The same tool I demonstrated live for you three times today. The one that finds proven offers, builds your landing pages and websites in seconds, and uses the content radar to find viral winners and model them for your own content, faceless or otherwise. And this is why we’re forced to limit the amount of people we let in today to 50. I wish I could take on everyone, but we just can’t do it right now. So, to recap everything you’re getting today, the H2H Academy course with the complete three key systems, 4 days a week group coaching, the private community, our offer approval system, and the H2H AI access. Now, before I tell you the price, I want to put something into perspective because I think once you see this, you’ll realize how crazy the value actually is. If you were to assemble what’s inside this program piece by piece on your own, forget about the years of testing and the community, just the raw tools, services, here’s what you’re looking at. If you hired a copywriter to write your landing pages, your emails, and your ad creatives, and I’m not talking about a great one, just a decent freelancer, you’re looking at $3,000 to $5,000. If you hired a web developer to build your site, that’s another $2,000 minimum. Have you bought the AI tools we’ve built separately? Content radar, landing page builder, offerinder, you’re easily at $200 a month. So that’s $2,000 a year for offerinder AI. Then another $2,000 a year for site builder AI and then another $2,000 for content radar and hiring a business coach for weekly sessions. And ours are available 4 days a week. A decent coach charges $500 a month minimum. That’s another six grand a year. And to add it all up, you’re easily north of $18,000. So let that number sit for a moment. over $18,000 to assemble what you’re getting today. But we don’t charge $18,000 for this. And if we did and all it did was give you an extra $1,000 a month in additional income every month, wouldn’t that still be worth it, guys? And I’m not even going to charge you half that amount. Well, the previous version of the program, we were selling it for $5,000. The one that everyone’s been through was $5,000. You can see that that’s the price. People have been paying this for a long time. But now with everything that we’re adding to the H2H Academy, the live coaching, the traffic avalanche method, the newest up-to-date H2 AI access software, once we sell out of these 50 spots, enrollment into the program will be 6,000. But for these 50 spots that we have available today, you can get in at a fraction of the price. For the first 50 spots, you can get in for just $1,997 one time or you can spend $997 down today and then two more installments totaling $3,000. Now, here’s the thing. I know some of you just heard 1,997 and started doubting yourself. I get it. I want to address that headon because I refuse to let price be the thing that keeps you stuck on the DIY trap for another year. So, let me break this down so it actually makes sense. 1997 sounds like a big number, but let’s look at what it actually is. 1997 divided by 365 days is $547 per day. $547. That’s less than the price of gas that you pay to go to a job you hate. So, type gas in the chat. If you spend $5 a day on something that keeps you trapped, let’s see it. Gas. Gas. That could be riding the bus, taking an Uber, right? Renting one of those Lime scooters to get to work, right? Yeah, we all do. So, the question isn’t, can I afford 2,000? The question is, can I redirect $547 a day from things that keep me where I am into something that could change where I’m going? And here’s what makes this different from every other investment you’ve ever made. A college read costs $100,000 and takes four years with zero guarantee of income. This costs less than a single university class and can start generating income in the coming days. The math isn’t even close. But I know that for some of you, even 1997 isn’t available right now, and I don’t want that to stop you, cuz you are exactly the person that this is designed for. If you had plenty of money, you wouldn’t need this. So, here’s what I’ve done to make sure nobody gets left behind. Okay, guys. is I’m going to share my screen one more time. And this is important cuz I don’t want a single person to miss out because they got confused by the checkout process or ran into a technical hiccup. I’m going to walk you through every option step by step so you know exactly what to do. So, what you want to do first is make sure you enter in your full name, your phone number, and your email and double check to make sure this information is correct because this is how you’re actually going to get access to your account and ensure it’s set up correctly. So, I’m just going to put in some test info here so you guys can see how this work

    and go ahead and go on to step two.

    And now let’s talk about option number one. So, this is obviously the best value. It’s a onetime payment of 1997. You pay once, you never pay again. And if you got it, I definitely recommend doing that. This is definitely the move because you’re going to save over $1,000 compared to the installment plan. So, what you want to do is enter in your email again here. You’re going to put in your card information here, your billing address, and then you’re going to hit complete purchase. Okay? So, again, make sure you double check this. Make sure all this information is correct, and you’ll move on to uh the second step. Now, for those of you that do not have the 1 1997 in hand currently, then what you can do is the three easy installments of 997. Now, if you have issues and your card is declining, no worries. All you need to do is flip over your card on the back, call your bank, and let them know that you’re trying to put through um this transaction. Now, that’s not a mistake on your end. It’s just your bank doing their job. This is a new merchant that they haven’t seen before. So, go ahead and approve the transaction, and then you can rerun it and you’ll be all good. Now, please understand that AI and digital products specifically right now is the hottest opportunity on the market. And we’re the first ones to crack it with the age to age method. Remember what I said earlier. Most people chasing AI right now are still following the DIY trap. They’re plugging AI into the same old playbook. We’re doing something completely different. So, I’m telling you, these spots are going to go fast. So, if you want one of these 50 spots, what I need you to do is click the button on your screen. Each one of these spots is covered by our 100% money back guarantee, which I’ll tell you about right now. Here’s our money back guarantee, which means if you don’t absolutely love it, you don’t pay. We don’t want your money. All right, so this allows you to test drive the program for up to 6 months and you can still say, “Nah, not for me. Can I please have my money back?” And the answer is yes, we absolutely will. Here’s how to qualify for it. While others have long, complicated, confusing stipulation and hoops to jump through, we just ask one small thing. You try the system, and that’s just to launch one campaign and promote one hot dog offer. That’s it. That’s what the purpose of the program is and you’re going to do it anyway. That’s key number one, key number two, and key number three in action. And at that point, if you aren’t 100% satisfied with results or anything, you can get every penny of your investment back. Guys, type risk-free in the chat if that changes the equation for you. Risk-ree, risk- free, risk free. Come on, guys. We’re making this an absolute no-brainer because it is. And we are legally obligated to follow through with this. Once you join, you have paperwork that says, “Here’s everything we’re going to deliver to you,” as well as the six-month money back guarantee anytime. You can just send us an email and we will issue you a full refund. So, knowing that you get to try before you buy it, and no matter what happens, you’re backed by a 6-month 100% money back guarantee. Does that change things for you? Because it should. It should change everything. Now, let’s get into the ridiculous bonuses we have for you. And let’s start the timer. The first 50 people who join today will be getting eight additional bonuses. You heard that right? Eight additional bonuses completely for free or until the timer runs out. There’s no extra charge, nothing on top of everything you’re already getting. Let’s talk about bonus number one, the $500 cash back. All you need to do is get your first high ticket sale with our proven hot dog to high ticket system and we will send you $500 action taker rebate. We’re literally paying you to take action. And remember the math I showed you, even at conservative conversion rates, you’re looking at 30 sales in your first month. Getting to five sales is just the beginning. Jason here got his $500 cash back and says this program pays for itself pretty quick. And by the way, when you factor in the $500 cash back, effective investment drops to $1,497 on the financing plan. That makes your monthly payment even lower. We’ve really tried to remove every possible barrier. So, type no excuses in the chat if the barriers are disappearing. Let’s see in the chat. No excuses. No excuses. No excuses. Exactly. I love it. Now, bonus number two is a resort vacation for up to seven nights. I wasn’t sure if I should include this because honestly, it sounds too good to be real, and I don’t want you to think I’m making things up, but it is real. And when I tell you what it is, you’re going to understand why I saved it for the bonus stack. Remember, at the very beginning of this presentation, I showed you that picture of me climbing in Patagonia, completely off-rid, no laptop, no phone calls. business still growing while I was gone. That image, that feeling is the whole point of what we’re building here. Not just income, but actual freedom. The ability to actually go somewhere and live your life while the system runs. So, here’s what we did. We partnered with a resort network that has properties in over 1,800 locations across 37 countries. These are real resorts, beachfront properties, mountain lodges, city hotels. And here’s how it works. When a resort has empty rooms, they don’t make a dime. Dead inventory. So, they came to us and said, “If you can send us guests who’ll fill those rooms, we’ll comp the stay.” Because even if you never spend a dollar at the bar or the spa, a filled room is better for them than an empty one. And if you do grab a poolside drink or massage, that’s great. Everybody wins. So, as part of joining the H2H Academy today, you’re getting a free resort stay up to seven nights. Your room is completely free. Now, let me pay this for you so it’s not so abstract. You could take a long weekend in Vegas. You could spend a week on a beach in Thailand. You could fly your mom somewhere she’s never been and hand her the room key. You could go to Hawaii. You could go to London or Sydney or the mountains of Canada. There are 1,800 locations in 37 countries. And you’ll see the full list the moment you get inside. Now, there’s sometimes small taxes or local search charges depending on the city. Yeah, sometimes. But the room itself is 100% free, comped, and covered. And here’s why I love this one. Every other bonus helps you build your income. This one helps you enjoy it. Three months from now, commissions rolling in, laptop open at a resort overlooking the ocean. A $1,000 notification hits. You close the laptop and walk to the pool. That’s what this model produces. This bonus makes sure you actually go live it. It’s yours with the enrollment, but only for the first 50 spots. Once we close it, it’s gone. So, type yes in the chat if you already know where you want to go. All right, now let’s talk about bonus number three. Top 10 proven hot dog offers list. The exact offers that have generated the most commissions across our entire community. We hand selected them and this bonus literally does key number one for you. Bonus number four, done for you templates. Battle tested funnel templates, email sequences, ad copy frameworks, content scripts, the same frameworks Uzi and our most successful students use to generate over $20,000 per month. Bonus number five, zero budget traffic avalanche Kickstarter. It’s a complete guide on how to make your first sale without spending a dime on ads, including a full section on faceless content creation, how to make videos that convert without ever showing your face or using your real name. Richard here says it is by far the fastest and easiest income to start with that he found on the internet. He generated over 18,000 in month one from organic traffic alone. Completely faceless. Bonus number six, one-year access to the H2 AI software. Not just six months, but a full 12 months of access to the same tool I demonstrated live three times for you today. Bonus number seven, priority access to offers with the lead back-end sales teams. We’ve identified and partnered with the offers that have the highest converting, most aggressive back-end sales teams in the industry. These are the product owners whose closers are proven to ascend the most buyers from hot dog to high ticket, which means more high ticket commissions flowing to you without ever getting on a sales call ever. And we only share this curated list with H2H Academy members. And bonus number eight, this is an extra membership, the two for one. And this is huge. It’s an additional H2H Academy membership included for free. Do this with anyone you want. Your spouse, your friend, your sibling. When you split the investment, it literally cuts the price in half. These are all the bonuses that you get for free when you join today. And guys, this is limited to the first 50 only. So if you’re thinking, “If only this was half the price.” Well, now it is. Split it with someone, redeem your $500 cash back, and the out-ofpocket per person is less than getting your car repaired. Plus, you can spread that out using financing. We’re talking potentially $30 to $40 a month per person. That cost of a pizza delivery to build an automated income stream. So, type no-brainer in the chat if this is starting to feel like an obvious decision. Nobrainer. Nobrainer. Nobrainer. Let’s go. And guys, we’re not even done yet. All right. Now, let’s jump into some Q&A. These are the most common questions people have. And this is a question I get all the time. How much time do I need to do this? Guys, this used to be five hours a day. But now, thanks to AI, it’s less than an hour a day. 15 minutes to launch your first H2 campaign. As you just saw in the demo, our AI takes away 95% of the work. Remember, Jed and Nancy have six kids. They’re running a farm. They make $12,000 a month. The average person spends 2.5 hours a day scrolling on social media. What if you redirected 30 minutes of that into building an income stream? A lot of people also ask, “How soon can I get into profit?” Now, first, right off the bat, I can’t make any guarantees, and I don’t even make guarantees about you will make money. That’s really up to you. However, what I can say and promise and guarantee is that the program is structured to get you profitable as fast as humanly possible using the three keys: find, build, traffic. And that’s why we implement things like coaching five days a week to help you move forward as quickly as you can. So, as long as you just follow the course, you’ll actually have your first campaign launched in 7 days or less. Remember the math I showed you? One video a day, 1,000 views each, 30 days, and you’re looking at real income even at below average conversion rate. Another question I get a lot of the times is, do I have to show my faith? And the answer is no. I showed you live in the key number three demo. Faceless content is not only possible, it’s one of the most popular approaches right now. Some of our most successful students have never shown their face or used their real name. Nobody in their life knows they do this. And you can create a completely anonymous brand. Post faceless videos with text overlays and stock footage and make real money while maintaining complete privacy. What if I get stuck and need help? Well, we give you 5 days a week of coaching calls. You have a private community. You have a support widget in your dashboard. You’re never alone. So again guys, you get 5 days a week coaching calls, private community, support widget inside your dashboard, and you’re never alone. Tall home is ready to quit in week two, got on one coaching call. One 20-minute conversation changed his hook structure. His next video got 14,000 views, and his first two sales came in the next day. He also got another video to get 400,000 views just a week later. What kind of experience or special skills do I need? And this is the best part, guys. None. The H2H AI handles the heavy lifting. You saw in all three live demos, I click buttons, that’s it. The one thing you have to bring is just the willingness to stick with something. Another question I get is, I’m a tech dinosaur. How techy is this really? Well, you watch the live demos. I click the button, they built everything. If you can use a smartphone, you can use this. If everyone does this, won’t it get saturated? Guys, the digital products market is a $300 billion industry. Saturating it is like trying to empty the ocean with a teaspoon. How do I know this is legit? Well, guys, don’t hear from me. Just look at all of the reviews we’ve gotten. You can’t fake hundreds of testimonials, hundreds of reviews from paying customers. Forbes featured me. I’ve spoken on stages. I’ve been interviewed on TV, been on Entrepreneur, and been on Time Square. All thanks to what we’ve been able to do here. And here’s even more, guys. And I could keep going on and on and on. Another question that I always get is, “Money is too tight for me. What should I do?” I walked you through this during the checkout walkthrough, but let me say it again because this is very important. We have the payment plan. You can split this with a friend. Uh, I also get this a lot. Now is not a good time. Can I join later? Absolutely, you can join later, but just so you know, it’ll be $6,000 and there’ll be no bonuses and no H2 AI access. And when is it ever the perfect time? If you really think about it, like I talked about early on in this training, like we’re not getting more time. We’re not being less stressed. We have to make it the right time to change literally our experience and here’s the vehicle to do it. Robert told me the same thing. It wasn’t the right time. And 4 months later, he had $4,000 a month coming in outside his job. And he didn’t care about the crazy at work anymore. The timing was never going to be perfect. He just started. All right, guys. Now, let’s get one of our students in here. Give me just a second while I pull him up. All right, cool. [snorts] All right, here we go. All right, everybody. As I promised, Mitra Adra is on the call live with us today. How you doing, my man? It’s good to see you, dude. Great, man. Thanks for having me. Yeah, right on. Well, can you just tell the audience a little bit about your background? Yeah, 100%. Um, come from normal normal family, normal upbringing. You know, my dad was a taxi driver. Mom just used to so close from home. Uh I’m from a small town in in the UK called Manchester. A lot of people are familiar with it through the football team Manchester United. I tried everything at that time. Um you know coming leading up to this I did try like you know drop shipping. Uh I remember doing FBA, private label, Amazon FBA private label stuff. Uh bit you know trading um tried quite a bit of that stuff. Actually lost a lot of money. Um network marketing. Did it all. But then I ended up here. And you know what? This was like the the breakthrough and the most sustainable thing I did. The most sustainable most was essentially what changed my life. Incredible, man. Thank you so much for sharing. And can you tell us like what kind of results you’ve seen with this model? I know you crashed and burned and some other models. I did as well. That’s why I love this so much. Can you just kind of let people know like what you did two years back then what you do this last year and what do you think you’re on track to do this year? 2024 we did 250k. At 2025 we $550,000 and this year we’re like on track it’s going to be a lot more than 550k. I think we’re on track to do a million dollars. That’s my goal I’m aiming for. But I think still even if get 750 I’m going to be happy to come in 250 or to 550. I’m on track for that million dollar year. That’s epic, dude. I’m so proud of you, man. That’s that’s insane. And it’s got to feel good. Especially you’re a young dad. You know, you’re bringing a young one into the world. I mean, it’s got to allow you to be a lot more present with your family knowing like you got your stuff taken care of. Like, you’re bringing home that bread, baby. Guaranteed. 100%. It’s a It’s generally a good feeling. It’s almost like I hate to use the word, but almost like passive, you know? It’s kind of like it’s kind of like passive income because you create the products once and they’re up there now. And so, at least what it’s done for me cuz I’ve been in all these other models, you know, like selling services and stuff like that. And what they didn’t give me was like freedom, but this model it gives you freedom. So that’s the thing I I need that you know with my son being a first time dad it’s wonderful you know having that time having that freedom I love it man and so you know what do you think made this model different than what you had done before online because you still had some success can you speak you know you’re talking about building out products you know having to supply the service having to build the sales team like what what makes this actually different well you know one of the key things that I learned from you was um the importance of like having a high ticket. You’re not selling premium offers. And the good thing about what we have like what you’ve got here is that here sell the high ticket without actually having to do the selling yourself. So, this is something I always struggled with like selling premium offers because I was like like what do I create? How do I sell it? I don’t like taking phone calls and stuff. I like to be the guy in the background. And what you want your freedom, you know, you don’t want to be on the phone calls all the time. Um, and so that was the best thing about this, being able to sell premium offers without actually having to sell it myself. And that’s literally if you ask me what changed is that’s what changed because one thing I’ve learned in business now is like who like whoever can spend the most customer always wins. And the only way you can spend the most acquire a customer is having a high lifetime value. Like is your customer being worth more money to you than your competitors? And the only way you can do that by having a premium offer by selling high ticket. But if you anything like anything like me, you don’t want to get on sales calls. You don’t want to create a $5,000 offer. Take the responsibility of dealing with those clients yourself. And so then when you give someone like me a system like this that is all hands off done for you, that’s obviously going to be life-changing, you know. Absolutely, man. That’s so powerful. And for some of the people that are on this call right now live with us that are a bit on the fence and are thinking, “Oh, like this is kind of starting to make sense. Like I want to do it. I’ve been burned in the past. I want to make this online thing work.” Like what would you say to someone that’s like kind of on the fence right now? I guess um one of the reasons a lot of people stay on the fence is because there’s so many options on the internet, you know. I would just say take it from me. I tried it all. Whatever you think looks good right now like drop shipping or the Shopify. And when I say I tried it, I didn’t just like dabble with it, you know. I gave everything six to 12 months at a time. Spent a whole lot of money and this right here like this like first year doing this boom life started to change. And that’s number one thing. Number two thing is this though, the time we are in right now, the growth in AI, the opportunity we have access to today, the speed you can create products, the speed you can get traffic, the speed you can build an audience, it’s unbelievable. It’s second to none. And the thing is is the opportunity is still growing. People are still learning about it. people that are still not fully tapped into it. Um, I just feel like the opportunity is so right now and I just feel like if you were to miss out on it, um, you know, you would you would regret it and I think that’s the biggest pain in this life like have a regret. You don’t want to let this time pass you by, a lot of millionaires are going to in this, you know, coming years and, you know, you either stand on the right side or on on, you know, the side of regret. Yeah, absolutely. You want to be on the right side of history when now we have AI to like really go and power this thing. We talked about earlier in the call like guys, this is the opportunity of a freaking lifetime. Like, do not sleep on this. Like, we’re not going to see anything like this ever again in our life. It’s gonna be nuts. 100%. Well, hey, brother. I know you got a lot going on. I know it’s late in your side of the world, so I I appreciate you hopping on and and chatting with us. Um, you know, I know the people Do you guys love this, by the way? Like, let me know in the chat. Do you guys love hearing from this guy? Yeah, we’re seeing it, man. Like, thank you so much. Um, really appreciate you being here. And, uh, we’ll see you inside of the community. I appreciate it. Talk soon. All right, cheers. All right, guys. I’m going to wrap this up. I’ve shown you the numbers. I’ve shown you the method. I’ve shown you the AI building everything live, not once, but three separate times at each key. You watch the offer finder select a proven winner in 3 seconds. You watch the AI build a landing page and website in under a minute. And you watch the content radar create faceless viral content at the click of a button. I’ve shown you the proof, not two or three people, but hundreds. I’ve answered every question I could think of. I’ve removed the risk with a full six-month guarantee. But none of this matters if you don’t see yourself in this. So, I want to take you back to the very beginning. I asked you to type what you do if you hit your income goal. Some of you said pay off your mortgage. Some of you said travel. Some of you said retire their parent. Some just said get out of debt. I want you to picture that thing one more time. Not a fantasy, not as someday, but picture it as something that’s actually happening. Because the distance between where you are right now and that thing you’ve typed in the chat is not as far away as you think. Remember that picture I showed you at the beginning, me in Patagonia completely off the grid climbing with my best friend while my business grew without me. That’s not a fantasy. That was just a Tuesday. And remember what I told you at the very beginning. The biggest lie in online business is that you need to build everything yourself. You don’t. You never did. The DIY trap told you that you had to build everything yourself. the product, the funnel, the content, the sales teams, all of it. But today, I showed you three times live that you don’t you just plug in. Everything I’ve shown you today was designed to make one thing clear. The most successful people in this space don’t do it themselves. They plug into systems that are already winning, and that’s exactly what’s waiting for you. The offers are proven. The H2H AI is built. You watch it work three times. The sales team is standing by. The community is active. The coaching is live 5 days a week. You can do it all completely faceless. Everything is already in place. The only thing missing is you. Every person you saw today was sitting exactly where you’re sitting, watching something like this, wondering if it was real. And they made the decision. Nathan made a decision and now he collects $28,000 a month. Tonyie made a decision and now she works from home with her family. And Jed Nancy made the decision and now they earn $12,000 a month while raising six kids on a farm. I made a decision and because of that decision, I sat next to my mother, held her hand and told her she’d never have to work another day in her life. The method is proven. The AI tools are built. The offers are ready. The support is there. The guarantee removes every ounce of risk. The only thing left in this entire equation is you. I will stay on for a few more minutes to get any last minute questions answered, but the spots are going and I can see them filling up in real time. So, type I’m joining in the chat if you’re heading to the page right now. Let’s see it, guys. Come on now. I’m joining. I’m joining. There we go. There we go. I’m joining. Let’s build this thing together because a year from now, you’re going to look back at this exact moment and you’re either going to thank yourself for finally taking action or you’re going to wish that you had. So, make today the day that you choose yourself. My name is Chance and on behalf of our entire H2H AI owners team, thank you for spending this time with me today. We don’t take it for granted. Your free gift that I promise you will be in your inbox within the next hour or so, so keep an eye out for it. I really look forward to seeing you guys on the other side. So, go ahead, get in there and let’s rock and roll. Let’s go. Let’s go. Let’s go. All right, guys. Take care.

  • 10/13/2026 – Grok Bot just got a MASSIVE update

    Your Grockbot just got a hundred times smarter. Five major updates to Grockbot just dropped. I’m about to go through them all. How to take advantage of them, how to be way more productive. I will then show you which AI agents you should be using for which use cases. There’s like a 100 AI agents out there right now. Is Grockbot the best? I’ll show you which ones you should be using. Then I’m going to give you two use cases you can steal from this video that will instantly make you way more productive with Grockbot. This is going to be an absolute banger video. Let’s lock in and get straight into the first update. Here it is. Your Grockbot now has its own email address. So, here’s what you need to. This is rolling out slowly. By the way, some people reported they have access to it. Some people don’t. I just checked. I have access to it. You can now ask your Grockbot to get its own email address. So, instead of having to give Grockbot access to your own email or anything like that, it can have its own email address. You can forward emails to it. It can read those emails. It can send emails. And most importantly, it can sign up for its own accounts with its own email address. All you need to do to set this up is go to your Grobot, go to your mainbot. We’ll talk about main bots in a second, and then say, “Hey, claim me an email address.” It’ll check for you if it can set it up. Again, some people have access, some people don’t. I think it’s a slow roll out. And then you can just say, “Hey, uh, can you make it, alexgrockbot.com?” Alex is free. I got alexrockbot.com. I feel like that’s a major win, by the way. Anyway, and it claims it for you. It’s good to go. Now, my Grockbot has its own email address. Please do not email my Grockbot. Again, this gives you several major advantages. Now, if you get an email from somebody and you want your Grockbot to take a look at it, forward it to your Grockbot’s email address. If you’re having a conversation with someone and you want your Grockbot to schedule you a meeting, add your Grockbot as like a CC on the email and say, “Hey, by the way, Grockbot, can you schedule the meeting here?” But as I said earlier, I think maybe the most powerful use case here is you can say, “Hey, Grockbot, I need you to sign up for an account here. I need you to download this app over here. Please use your own email address to sign up for it.” Now, instead of having to get you to put in your password and sign in with your account or whatever it is, it can just sign up on its own, create its own account and keep your workflows moving much quicker. Quick, easy win to Grockbot. Just go and say, “Hey, can you claim me an email address?” and then get that done. Big easy win. Love it. Very cool feature from Grockbot. The second major update they just dropped is called MainBot. What is MainBot? Well, if you haven’t been paying attention lately, MetaMuse has been taking over the space. It’s what everyone’s talking about. It’s been getting a lot of attention and for good reason. It is one bot that does basically everything. You have one Godthread chat that you go to and it goes and can handle your entire life for you. I think the SpaceX AI team saw that Metamuse is getting a lot of attention like, “Okay, I think there’s some things we can do here to capture that audience that Metamuse has gotten.” And what they decided to do was give you the ability to have a main bot. As you can see, my main bot here is Slate’s got that star next to it showing you it’s the main bot. And now Slate has much more visibility into what other agents are doing by default. So by default, it knows what my long list of agents here, what they’re all doing. And Slate knows it’s your main bot. So it’s going to become a lot more proactive for you. That’s really the strength of Metamus is because one bot has access to everything and has kind of the god thread. It can be very proactive across your entire life and suggest things to do. Now that Grockbot, you can choose a main bot. It can do the same thing. To give you an example, here’s a proactive message I got this morning. It went through, checked my calendar, checked my email, said, “Hey, you need to lock in the date for the interview. Hey, you got a doctor’s appointment today. Hey, you got to respond to California because they want $10 trillion a month for health insurance. Do you want me to handle any of this for you? Right? It was super proactive. It looked at my entire life, everything I got plugged in, said, “Hey, I can do all these five things for you.” So now Grockbot is much more proactive. You need to set your main bot. If you’re logged in, you update for the first time, it’s going to have a popup that asks you to choose who your main bot is. Otherwise, you can go in and just message your bot, say, “Hey, I want to make you the main bot in Grockbot.” and it’ll do it for you. And then what you’ll notice is one, again, it’ll be way more proactive, message you, ping you, hey, this broke, hey, you got to do this. Hey, you got this coming up. Do you want me to do this? And two, it’ll have better visibility and delegation powers. So, you can just go to your main bot for everything. And it will delegate tasks very, very easily and nicely to your other bots. Mainbot, big update for someone who I personally I think I lean more towards the god thread model. Just going to one thread, handles everything for you. This is a major win. I really like this. This next update might be honestly the biggest one of them all. Elon Musk, the trillionaire himself, announced this morning that Grockbot moving forward is not just going to use Grock models. It’s going to also use Claude Opus 55, Midjourney, Sunno, and any of the other leading AI models out there depending on the task you’re giving it. So, if you give it a super advanced coding task, it’ll lean on Claude Opus 55 since right now it’s the best coding model. If you give it a super advanced kind of photo editing task, it’s going to use MidJourney. This is massive. It’s huge. And it shows you the position of strength that SpaceX is moving from. One, it just makes Grockbot much better, right? Grock 47, great model, quick model, cheap model, but it’s not the best model. And so that was kind of holding Grockbot back a bit is that I just didn’t have the best intelligence. It can handle most of my tasks for me, but if I had a super complex task, I’m going to Claude, right? I’m going to Claude Opus 55. I had to use other tools. Now SpaceX AI is saying, “No, we’re going to put it all in Grockbot. You just do everything in Grockbot.” Now, you might be going, “Hey, that’s strange. Isn’t like Claude a competitor to Grockbot? How can they do that? Why are they how would they implement their competitors? That doesn’t make much sense.” Well, no, no, no, no. Elon, there’s a reason why he’s a trillionaire. Anthropic signed a multi-billion dollar deal with SpaceX AI earlier this year to use their massive Colossus data center. So, when you go to Claude right now and you send it prompts, there’s a very good chance those prompts are being sent to SpaceX AI data centers and that’s where the Claude models are running. So yes, when it uses clawed model, that money is going to anthropic, but at the same time, that money is then going from anthropic back to SpaceX AI because all of their stuff is running on SpaceX AI infrastructure. That is why SpaceX AI is like an unbelievable company and Elon Musk is an unbelievable entrepreneur because he is really vertically integrated in the entire AI space. He has the models. The Grock models are very strong. He has the applications. Grockbot is probably top two uh agent harnesses out there at the moment. And then on top of they also have the infrastructure. So they have the data centers, they have the GPUs, they have the chips. They’re the only completely vertically integrated AI company. Open AAI is trying to build data centers right now. Anthropic is not even trying to build data centers. They’re just a model company. But SpaceX AI, they’re already there. They have the biggest data centers. They have the most GPUs. They have the most compute. So, they can make money off the entire stack. And now they’re building terra. They’re going to be creating the GPUs as well. I mean, SpaceX AI stock. I mean, it’s if you believe in the AI movement, if you believe AI is going to get only bigger and bigger. I I don’t know how you don’t invest in SpaceX AI stock. So, anyway, that’s the big update. There’s no kind of change needed for you other than you just keep using Grockbot, I guess, because uh now it’s going to be better. It’s just going to be smarter for you and you don’t have to do anything about it. It’s just going to start using smarter models for you, which is amazing. This is like it’s almost like the cursor of AI agent harnesses because it can use any model. And believe it or not, the cursor team built it. So, I guess that kind of makes sense. Next up is a more advanced cursor integration. So, this is sick. Grockbots’s become a lot better at coding now. can do a lot more interesting things. So, cursor cloud agents are now more deeply integrated. So, it has some neat interesting tricks. Now, first of all, you can track the cloud agent live as it’s working. So, I had my Grockbot build a new feature into Henry intelligent machines. Uh it sent it sent me this link to the cursor cloud agent. Now, I can see everything it’s doing, everything it’s building. I can change the model if I want to. So, if I want to switch to Opus 55 to make sure it’s building with that model, I can do that. But the really cool part is what it shows you next. Check this out. It now also records videos of all the changes it makes and sends you the recordings and screenshots. Look at this. It made a change on my landing page. It now has this video. It recorded itself. It recorded itself of the change it made. It changed some colors of buttons here. And you can see it clicking it showing the different animations. Changes it makes now get recorded on its own computer and sent to you and even uh sends you the screenshots too. I guess this is the before and then the after. Really sick. So, it’s a lot more intelligence, a lot more interactive. It’s a lot more multimedia. Really, really cool. It’s making coding now with Grockbot pretty incredible between it being able to use Opus and now being able to send you videos and screenshots of everything it’s doing automatically. You can even see in the library over here, everything it’s doing. You can check on it later. Really incredible. So, make sure you’re using the cursor agents inside of Grockpot as well. And here is another update I think is really cool. If you live on X like I do, you can now tag bot in any of your posts or replies, give it a command, right? So Christa from the SpaceX AAI team met her at a Grockbot event. Very nice. Uh it says you can now tag bot to start working on something. I said, “Hey bot, give me all the use cases of what everyone’s doing with this new feature.” Grockbot replied on it. Sending this to your Grockbot now. And then inside Grockbot, you can see it messaged me directly uh from my main bot, every use case people are doing with this new tag feature in Grockbot. It even sent me an entire markdown file with the use cases in it. Uh this is pretty wild. Look how much that that’s it’s amazing. So now when you’re on X, if you’re not using X, I think you should be. I think you should be building a social media presence. I think distribution is one of the last modes in the AI age. If you’re using X, you should be using the atbot. you see a cool tip, maybe you see a tip I put on X, you can just reply, “Hey bot, send this to myself and execute on it for me and it’ll do it for you.” So, I want to give you two use cases, two tips for Grobot. You can really use this with any AI agent at the moment uh that I’ve been doing lately that I really like. It is a morning prompt and a night prompt. In the morning, I go in and I say, “Which approvals do you need for me right now?” I kick my day off with this every single morning. This very simple prompt does something unique though. What it does is it causes your Grockbot to go look through all your emails, look through everything it knows about you, your linear, your notion, everything you have it connected and find tasks it can do for you, right? It finds things you might have forgotten about and do those tasks for you, which is really, really cool. And then you just say approve, approve, approve, approve, and it goes and it does those tasks for you. On the flip side, you have the night prompt. So, right before I go to bed every single night, I go to my Grockot or go whatever. Last night it was with Claude. I was building a game and Claude and I go, “Hey, I’m about to go to sleep. What’s something you can work on for the next eight hours that pushes us closer to our goals?” And it comes up with a whole bunch of really interesting, unique things it can build or it can do for you. Then you just hit approve and it goes. These two prompts are really powerful because they unlock unknown unknowns, right? They find things you haven’t thought of that you can do that the agent has awareness of because it has access to all your context. It can figure those things out. You say, “Hey, go do that for me.” And it does it. It’s really good at finding things and figuring out things you didn’t know your AI agent can do. So, morning prompt, night prompt. Do those two things. Morning, hey, what approvals do you need for me? At night, hey, I’m about to go to bed. What can you build for me? So, there’s a lot of different AI agents. I cover them all on this channel. I cover every single AI agent. Sometimes, I guess that pisses people off that I talk about every AI agent. Guys, reminder, this isn’t a football team, right? You don’t have to be loyal to any of these agents. You can use them all. I am constantly changing which ones I’m using based on their strengths. You don’t have to. Any of these Grockbot, DOT, Muse, HARC, whatever. You can just choose one and use them for everything. But if you want to hyper optimize like I do, here’s kind of how I’m optimizing right now. For all my knowledge work, I’m using Grockbot. I think these improvements are amazing. I think for just general day-to-day knowledge work, it is excellent for building. I am now using Grockots. I’ve been using Dots mostly for building lately. The challenge with Dots is there’s just a lot of kind of rough edges with it at the moment. It can only work on one computer. You can’t put it across all your computers and Claude Opus is the strongest model right now. Now that Claude Opus is inside Grockbot and now they have these deep cursor cloud agent integrations. I’m liking Grockbot for building. Although I will say this, if Dots drops an update tomorrow where it can go across all your computers, it’s a little bit faster and maybe they drop Astra 61, I’m going to switch back to Dots for building. And that’s that’s just the way it is. Like you don’t have to be like me, right? I’m trying to hyper optimize. I’m trying to get like the best agent for the best use cases at all times. For me, this is just my setup now. That’s what’s best at the moment. Tomorrow, Dots might come out. I’ll put out a video titled Dots is the greatest AI agent ever and I’ll tell you why you got to use it and you just got to deal with it because that’s how I roll. And then on the personal assistant side, I misspelled assistant. I should have had my agent build this for me. I’m using Muse and Hark. Hark is brand new. It just dropped yesterday. I’m liking it a lot. So, I’m playing around with that a lot. Uh Muse, it just knows everything about me. So, I’m doing some things there with it as well. I’m playing around with those two. These two are really your like personal assistant tasks. you’re like, “Book me the reservation, book me your Uber, respond to this email, kind of the more personal assistance stuff.” That’s what I’ve been using there. If you learned anything at all, make sure you leave a like down below, subscribe, turn on notifications, sign up for my newsletter, my AI newsletter. It’s number one AI newsletter I’m playing with. 40,000 subscribers. It’s completely free. I will send guides on all of this to my newsletter subscribers. Link down below. Hope that was helpful. See you in the next video.

  • 10/13/2026 – Can A Mac Mini run local AI – Shocking

    Back in January, I told the world that the Mac Mini was going to be the king of local AI. I also said Apple was going to win the local AI race. People called me insane. They destroyed me on social media for saying that. Well, I just got the brand new Mac Mini M6 and we’re going to prove them all wrong. I’m going to attempt to push this thing to its absolute limits. I’m going to show you how to load up local AI models on a Mac Mini the absolute easiest way possible. No technical skills required. Then we’re going to see what kind of workloads this thing can handle. Can you cancel your cloud subscriptions? Can you cancel chat GPT with just a Mac Mini? We’re going to find out. Or will there be egg all over my face cuz this thing won’t be able to handle anything. Let’s put it to the test. I’m going to plug this sucker in and we’re going to see what we can do with local AI on a Mac Mini M6. This one is going to surprise you. Let’s lock in and get into it. All right, so I just plugged the Mac Mini in. Here you can see the stats. It is an M6 uh with 32 GB of RAM. Let’s get this going. Let me show you first how we’re going to load local Mazda. This is the absolute easiest way to do it. What we’re going to do is we are going to load up Hermes desktop. So, for those who don’t know, Hermes Agent is a fantastic open-source agent, runs on your computer, is your own personal assistant, your own personal AI employee, and can be used with any model out there, both cloud and local. So, I’m going to download this now. If you want to follow along with me, do it with me here. It’s completely free. Everything I’m about to show you is completely free. Easy. No technical skills required. I will move the Hermes application into applications cuz that’s something you still do on Mac. Then we’re going to load up Hermes here and we’re gonna open it up. All right, installation super easy. It’s going to download everything, get it prepared. Again, no tech needed here, and then I’m going to show you how we’re going to use Hermes to figure out which AI models we can run locally on our Mac Mini and then actually load them up and start using it. Okay, so I’m installing Hermes Desktop. That’s going to get set up. For those who don’t know, Hermes, amazing local open-source AI agent makes it really easy to load in any model you want. It’ll even load local models for you. It’ll find the best local model for you and load it super easy. We’re going to have this set up. Straight up beginners can do this. Even if you’ve never loaded local model before, you can do what I’m doing. So, follow along me. I’ll put a link down for Hermes Desktop, too. Completely free. All right. All installed. It took like 45 seconds. Let’s launch this up. And boom. We are in Hermes agent. Now, let’s load up a local model. They have super nice functionality here. They don’t there no one’s sponsoring this video. This is completely unsponsored video. Everything I’m telling you here is because I think it’s the absolute stone cold best. Let’s go into settings in the top right of Hermes agent here. Next, we’re going to go to providers and then we’re going to go run models locally. What will automatically happen is your Hermes agent will decide what is the best model to run locally on your computer. For me, it was Quen 3635B. So, if you’re like me, you have a Mac Mini that’s 32 gigs of memory. It’s not a terrible amount. That’s not a huge amount. That’s a decent amount. We can now run Quen 3635B. This is a great model. A lot of people compare this to like Opus 45 somewhere in that area. For those who don’t remember Opus 45 back in the day, that was sick. That was mindblowing when it came out. Now, it’s running locally on your desk on a Mac Mini. So, let’s set this up. All you got to do is click set up for me. Bada bing, bada boom. It’s going to start downloading it. It’s about 21 gigs. So, you need 21 gigs on your hard drive uh to download it. Not too much. And in 4 minutes, we are going to have a Opus from last year level model running completely on a Mac Mini. No internet required, no cloud subscription, don’t have to pay for anything. It’s all going to be running locally. But we’ll see how is it going to be any good? We’re about to find out. By the way, right after we load this, I’ll go over kind of all the strengths and weaknesses of local models. So, you’re thinking, why the hell would I want to load a local model? We’ll go through that in a second. I’ll go through all the advantages why you’d want to do something like we’re doing here. For now, let’s get this loading and let’s test it out. And real quick, as the model is loading, let me just take you through what are the advantages of doing local AI on Apple. Why I’m bullish is because number one, you can use the full memory of your Apple device for AI. What does that mean? Apple devices have what’s called integrated memory. Meaning the memory you have on your computer. This Mac Mini for instance, 32 gigabytes of memory that can be used for all graphical processing as well. That means all 32 GB can be used to load up local models. That’s a lot because even top-of-the-line Nvidia chips, which don’t get me wrong, Nvidia incredible, worldchanging chips, tons of strengths. I have a lot of videos on DGX Sparks and all that. Definitely check that out as well. But the advantage of Apple chips is you can load bigger models because you can use all of your memory for those models. So even though this is a cheaper sub,000 computer, we can load big models onto it because all the memory in it can be used for local models. On top of that, there’s a lot of software advantages. It’s a great UX. I think Mac OS is a great UX. A lot of people use it as their daily driver to do work. So now the thing you’re using for your daily driver to do work, you also have your local AI running on it as well. So if you’re doing creative work, now you can generate images on the same device you’re using to do your work. And so these are the big advantages of going with an Apple device. And again, Nvidia computers, they have their own advantages. I have a 5090. I’m able to run local AI models in there lightning fast like crazy. It will be a little bit less performant on Apple chips. Although the new M5 Ultra, by the way, I will be showing off the M5 Ultra, the 512 GB Mac Studio in just a couple weeks. Now, make sure to subscribe and turn on notifications immediately for that cuz when that video drops, that’s going to be an absolute stone cold banger. That’s going to be worldchanging technology. Turn on notifications for that. But at the moment, Apple’s still catching up a little bit on the speed side. We’ll see what the M5 Ultra brings us in a little bit, though. So, these are the advantage of going with an Apple computer. Also, not listed here is just straight up price, right? Mac Mini. You can get it for like $800, $900 and run a local model. That’s pretty mind-blowing. All right, let’s get back to Hermes. All right, it looks like it must have been loaded cuz we’re back at the Hermes screen. Let’s click here to choose a model. I scroll down. Local Quen 3635B. Let’s click on that. All right, so we got it loaded. The model’s right there. For those who are brand new to the channel, this is Hermes Asian. It’s your own AI employee. You can ask it, do whatever you want. Has control over your computer, can build things, can talk to you, can answer questions. It is now powered by our local model. So, first of all, to answer the first question, can you load local models onto a Mac Mini? Well, the answer is yes. We now have Quen 36 in here. But let’s see how it perform is. If it stinks and is slow and sucks, then well, it’s going to be kind of pointless. Let’s see how good this is. Hey, are you there? And I’m going to hit enter. Uh, let’s see what happens. Let’s see what type of performance. So for those who don’t know also by the way the first time you send a prompt to a local model it’s going to take a little bit longer. They have to load it into memory. So just as you saw there load into memory now moving forward it’s going to be much faster. Also by the way if you’re following along this is your first time loading up local models and you just did it. Congratulations. You should give yourself a pat on the back. You should feel good about that. You just loaded the most important technology in the history of our species onto your own computer and now it’s running on your desk. That is pretty amazing. Hey, I’m here. What can I do for you? Since this is our first conversation, why don’t have a quick profile so I can be more useful? I’m Alex Finn. I’m a content creator and entrepreneur. I create content about AI. say hi to my audience. And in just in a second, we’ll do a kind of a a performance check here. See how fast this is. But look, look at this. You can see how it’s thinking. So, I see all the thinking here. Let me save that to memory. This is pretty fast. I’ll be honest. I’m doing this live with you. I did not do any sort of pre-ests or anything. Like, literally, this is my first time doing this with this Mac Mini. Hey, Alex. Here’s a message you can share. Hey everyone, I’m Alex Finn. Well, I’m Alex Finn, a content creator, entrepreneur diving into the world of AI. Stay tuned. Feel free to tweet it however you like. Where do you usually post your content? YouTubex, uh, all of those places. I I did not edit this. What you just saw was completely real time. It’s responding very, very quickly. I mean, that feels like it’s as fast as cloud AI. It’s creating memories for itself. So, it’s remembering things. This is really good intelligence. What we’re seeing here, like a year or two ago, would have been mindblowing frontier. Now, I’m running it locally on a Mac Mini. This the one we’re demoing on right now is on my desk over here. By the way, I have like 20 Mac minis, by the way. I’m like a Mac Mini freak. Anyway, so let’s do this. Let’s test. Let’s see how good this can be. We tested the speed. We verified the speed is pretty dang good. Now, let’s do this. And like I’ll even show you like the timestamps here. See this? 12:34 is when we sent the prompt. We got the answer 12:34. So, less than a minute, it’s responding. Less than a minute. We’re getting responses here. All right, let’s do let’s have a build something interesting. Can you build me a snake game using single file HTML? All right, let’s see how fast it can actually build us apps. Is this usable for apps? We’ll start with something small like building a snake game, then we’ll get to something a little bit more advanced out, maybe like a 3D firsterson shooter. So, here we go. The user wants a snake game in a single HTML file. Let me build a complete polish one. I love how you can see the thinking. That’s another one of the advantages of local LMS. And again, advantages of local LMS right after we do these tests and everything, I’ll go through that. I’ll educate you. I’ll get your brain bigger. We’ll get your Abdullah obligata bigger. But what’s amazing about that, you can see all the thinking, right? A lot of the times when you use cloud models, the thinking is hidden. So, you don’t really know how the models work. But because you’re running the models locally on your own computer, everything happens in here, right? Nothing goes to the internet, nothing goes to the cloud, everything happens locally. So, you’re able to see the way it thinks, the way it operates. You have full control over how it works. And that’s why I believe in a lot of ways local LLMs are the future. They are the future of what most people using cuz it’s going to be private. It’s all going to happen locally. None of your private details and data go to the cloud. And that’s pretty amazing to think about that all this incredible computation is happening just right here. And as I was speaking, again, this is all real time. Uh the game is being built. Looks like we’re almost uh done here. It looks like I wrote a good amount. 78 lines of code just like that. All right, so I’m gonna open this my browser. Let’s Let’s test this out. And it’s going. It’s going. Okay, so I’m getting the the cookies. Uh the snake’s getting bigger. It works. It works. The snake title still on the screen. That’s fine. We can prompt in a second to fix Oh, come on. You’re going to put in the corner. Are you serious? Oh, look at this. Look at skills. That’s skills, baby. No one watching this can do that. I’m true born gamer right here. The fact that you get that corner cookie. All right, let’s see what happens when we die here. Boom. Game over. We got our score that was built completely locally. Let’s take it to another level. Let’s say this. Can you build me a single file HTML 3D firsterson shooter? Again, completely local. All on a Mac Mini that you can get for under $1,000. All right. Boom. It’s done. Here’s your 3D shooter. Has an entire 3D engine. T tons of enemies be able to play the game. Shoot, reload, muzzle flash. All right, let’s play this. Let me load this up in a browser. Here we go. Let’s start. We have It said it was like Wolfenstein. That’s for sure. It definitely looks like it. We’re playing it. Oh, I’m shooting the enemy. I’m shooting the enemy. Got experience points. Map in the top right. Is this the prettiest best 3D firsterson shooter of all time? No. And that’s not the point. This isn’t a Frontier cloud model, but this is a model running completely locally on like the cheapest computer you possibly can buy. You have the most advanced technology of all time, artificial intelligence running 100% on your desk on a computer this small. I will say this, if I showed you that demo 2 years ago from a cloud model, you would have been blown away. You would have been absolutely blown away. Is it great compared to like Opus 55 today? No. No, it’s not. But the point is this. It is running locally, completely private, secure, running on your own computer. So, let’s go into conclusions, then we’ll talk about all the advantages of local AI and why you want to do what I just showed you. Conclusion, can you run local AI on a Mac Mini? Yes, I think you can. Not only can you run really smart intelligence like Quen 36, which again is like Frontier from a year ago, but it’s also pretty good speed. So that whole thing, oh, you can’t do it on Mac Mini. Alex Finn is wrong. That’s dead. I’m right. I just proved it. I have the receipts I just showed you. But okay, but Alex, uh, I can use Chad GBT. I can use Opus. Why would I do this and buy a computer? Well, a few things. One, this is free. Yes, you have to pay for the computer itself, but I this I think was like an $800 or $900 computer. Now, if you’re paying $200 a month for Chad GBT and this level of intelligence is good for you, you have it paid off in like 4 months. So, long-term, you’re saving money. It’s private. When you send prompts to your AI model right now, it goes to the cloud. It goes to data centers and servers. It does not stay on your computer. So the things you’re saying are not totally yours. It’s not totally private. When you do a local model on a Mac Mini or any computer you have on Nvidia, whatever, it is secure. It stays on your computer. It’s completely private. I mean, you can be disconnected from the internet and it’s still going to work. You have total control. If you want to customize this model, you can. If you want to train what’s called a Laura and make it your own and give it your own voice, you can do that. If you want to learn how to do that, let me know down below. Do you want like advanced local AI videos like how to train the model Lauras things like that? Let me know down below in the comments. I’ll make like an advanced local AI video for you. And I think this is the most important part of it all. You know, every time I say try this AI, try that. I think the number one comment, well, what’s the ROI? What’s the ROI with that? When will I make back my money? I don’t think everything you have to do in your life has to be like an exercise of ROI. I don’t think you need to map out every penny you spend on like a spreadsheet like, oh, if I don’t get my ROI by week six, I’m not going to do. I think you’re allowed to do things for the fun of it. And while I do believe there are tons of other advantages to local AI, I think you’re allowed to do things because it’s fun. And this is extremely fun. It’s extremely fun getting a computer and then running local AI on it and having like your own personal private intelligence. I think that’s extremely fun. And if you’re watching this, if you watch uh the Alex Finn channel, you’re a member of FinnFam, I give you permission to have fun. You’re allowed to have fun. So, if you just want to do this and you don’t care about the ROI, then do it. Have fun and do it. It’s also extremely educational. You’re learning about the most important technology of our lifetimes, AI. you’re learning about it in the most basically hands-on way you possibly can by loading it locally on your own computer. And so it’s just straight up educational. And I think that’s important. I think AI is going to be around for a long time. I think it’s only get 10,000 times bigger. And I think it’s going to basically control the world economy. So you should be learning about it. You should be hands-on. You should be an AI expert. And this is a great way to do that. Did you learn anything at all? Leave a like down below. I have the number one AI newsletter on planet earth. Link for that down below. It’s called ship it weekly. Ship it link down below. Join that. I hope this was helpful. Let me know what you want me to cover in the next video. You want me to cover more local AI stuff? You want me to cover more kind of clawed code stuff? You want to see more building stuff? Let me know down below. I hope this was helpful. I hope you enjoyed it. Thank you so much for watching channel. I am so deeply appreciative you choose to learn from me. Thank you so much. See you in the next video.

  • 10/13/2026 – Brutal Life Lessons I wish I Knew in My 20s

    Everyone’s always giving you advice on how to live your life. And even though I know they mean well, a lot of that advice can actually [ __ ] you over. I went to rehab and jail twice before turning 17. And people had been giving me advice my whole life. Since then, though, I’ve built several multi-million dollar companies, a beautiful family, and honestly, a life I didn’t think was possible. And some of the biggest lessons came from questioning the advice I’d also been told to follow. These are nine popular pieces of advice that I say are worth questioning and what to do instead. Starting with one that sounds pretty harmless. Advice number one, follow your passion. It sounds like a great way to choose a business. So why should we ignore this advice? I learned this the hard way. I started two businesses, a vacation rental site and a hosting company, and both failed. Because I was focused on my passion for being in a server room and configuring software. I literally spent $10,000. I borrowed it from the bank. me and my brother to go sit in a server room because I was nerding out on the kind of server I could buy and the software I would run. And then what I realized that if I actually wanted to make money, I couldn’t focus on what I wanted to do. I had to find a problem that people were already paying for that was actually something they wanted. Passion without market demand. That’s just a hobby. You know those people that got those train sets at home? They ain’t making any money off that train set. The person sold them the trains. They’re the ones that got rich. That person hopefully took a passion plus market demand and sold the people the trains. So, here are some warning signs that you might be falling for this advice. You talk more about the product than the pain it actually helps solve. You keep building without anyone paying for the results. You just love to do it. I’ll do it for free. You don’t have to pay me. I’m still learning. I’m trying to build referrals. I’m building case studies. When I see that, it’s somebody that doesn’t want to be challenged. So when a young person comes to me and says, “I’m trying to figure out what I should do with my life.” I always say, “These are the four questions you should ask.” One, what are you good at? What do you feel naturally just inherently other people struggle with that you’re just good at? Two, what do you love to do? When you can allow yourself to fall in love with the work, that’s a really cool place. Three, what does the world need? What is the world saying? Here’s what I need. Here are my problems. Go on YouTube. go on social media. People are pretty vocal about what they’re pissed off about. And then fourth, what do people already pay for? Most people just focus on like, “What do I love doing? What is my passion?” And they ignore all the rest. That’s where the advice is worth questioning. It’s not that it’s bad advice. It’s just incomplete. You’ve got to ask all four questions. Now, the good news is you don’t have to give up on what you love. You just got to find enough people that were willing to pay for it. Advice number two, never give up. But Dan, you’re telling me I should give up sometimes. Yes. Let me explain. Never give up can make us feel like we should keep an approach long after it stops working. Staying with something that’s hurting you just to say you never quit makes no sense. It’s like one time I saw this guy pitch on American Inventor a board game he made. And they ask him, “How much money have you put into this board game?” And he’s like, “All my life savings. How long have you been doing it for?” He goes, “27 years.” The one guy’s like, “I’m going to have to say no. I’m sorry. The other guy goes, I’m sorry. I have to say no. And he goes, why, bro? You clearly did not see the writing on the wall. Nobody’s bought your game. I’m telling you, bullet ball is going to be a success. The other challenge is this philosophy of like sunk costs. Often times when we put real time and money behind something, we have a desire to have it generate a return and we’ll stay with it because we’re $500 in or $1,500 in or $50,000 in when the truth is sometimes we just have to cut our loss, do less so that we can move. Here’s some warning signs that I would encourage you to consider. If our main reason for continuing is based on how much we’ve already spent, uh-uh. We keep getting the same results but refuse to change our approach, that’s a warning sign. and then proving that we’re right to other people starts to matter way more than reaching the goal. Red flag. Here’s what to do instead. Just start with basics. Let’s write down our goal so we have a clear understanding of what we’re doing. Then knowing everything I know now, if I started over from scratch using first principles, would I do it over again? Is there anything I would tweak? Then I look at my current approach and ask myself, if I keep doing this versus this other thing, which one has the highest possibility of succeeding? If this one isn’t going to get me there, then I got to give up. But again, it’s not giving up. It’s learning and choosing a different path to the goal. That from people giving you that advice, they miss that part. You’re allowed to give something a real shot and still decide to stop. Advice number three, when you’re stuck, go harder. Dude, I have a [ __ ] great story for this one. My brother Pierre started a construction company. When I asked him what he was going to do in that world, he’s like, “Oh, we’re going to do land development. We’re going to build houses. We’re going to do leases. We’re going to do renovations, multi-unit projects, all of it.” To him, that was all construction. But then I told him, I was like, “Hey, man. You actually have like four or five different businesses, and you’re just pretending that they’re one. And what’s crazy is each one of them could be, if you focus, a 10 million a year business. But running all four or five will mean you will not have time to do any one great. So my advice, pick one. Go allin. Give it all the focus you have. Today he’s [ __ ] crushing it. Largest home builder in Eastern Canada. 9 figureure entrepreneur. Zero chance he gets there. Coming out of the gate trying to do everything. In a different way. I see this other behavior that’s similar happen all the time with people. when things get tough and they start missing numbers or things aren’t working out, they just add more meetings and more to their calendar and they just add more. But what happens is your attention gets split. That shower time for me, the gym time, maybe driving to work where you’re solving problems instead of being like maniacally focused on one problem, you’re scatterrained. A hose that’s just pouring out water without direction, kind of just squirting all over the place, doesn’t have much power. That same water focused through a very small pin like a laser can cut steel. That’s the difference I’m talking about. So, the point isn’t when you’re stuck to go harder. It’s actually to take a step back and cut things. Here’s some warning signs that you can use to self-evaluate. For example, do you keep starting projects, but the important ones never get finished? The other one is, does your team have so many priorities, but nobody really knows what comes first? Sequencing equals success. And if your team doesn’t have priorities, then they don’t have direction. Or are you spending more time keeping track of the work than actually doing it? That one’s a funny one. I see more people take time to track something tend to just do it. How about no more to-dos, just do? So, here’s the thing I want you to take away from this. It’s called the commitment cut. You have to look at all your commitments, okay? And I’m talking everything that’s coming up over the next 90 days. Then circle the three that will have the most impact on your life to actually achieve what you’re trying to do. Now look at that list of commitments and I want you to circle just one to stop easy. The thing that has the least impact. Now give all the time from cancelling that commitment to the top three priorities. So now when you’re stuck, it’s not that you don’t go harder. You just do less to go harder on. And I get it. There’s probably a lot of stuff that you’re like, “But I got a team and departments and I have to keep things going. I’m worried that things are going to fall apart if I stop. I get that you want to cut stuff. Here’s what I want to offer you. I’ve built a whole scale your business workbook that helps you identify what’s broken, where you’re still spending time, how to get your time back, and even how to delegate it to your team. It’s what I use to scale all my AI companies and my businesses, and I’ve been doing it for years. So, if you want it, just scan the QR code on the screen. It’s absolutely free. Or click the link in description. I’ll send it over. Advice number four, listen to your loved ones. This one breaks my heart. And you know what’s crazy is I’ve done it to my own kids. The other day, one of my sons came to my wife and I with a business plan. Now, not his first business plan. And what we’ve seen is a bunch of other failed attempts over the last couple years. So, obviously, we’re like, “Hey, we want to support you, but you’re also like not finishing what you start.” Okay? We’re not talking about the don’t finish what you start I said earlier. It’s just literally, you know, shiny object syndrome. And we started being hyperritical around the idea. Not that the idea was bad, but that we didn’t trust him. And after we had our conversation and he pitched his idea and my wife and I sat down and talked about it together, I said, “Are we doing that thing that parents do where we don’t want to see them fail, so we are critical about the idea and put constraints around it?” Any parent that’s had a kid when you taught them to ride a bike, it is such a wild concept to eventually let go. Especially after you take the training wheels off cuz you know 100% chance they’re going to fall. You really want to give them good advice, but at the same time you’re scared that they’re going to hurt themselves, so you keep them safe. And it was interesting for me to catch myself with my son because I went back to him and I said, “Hey, I don’t want to discourage you from doing this. The reason I said these things is because of what I’ve seen in the past. And I don’t know if you’re going to win or not, and I don’t want you to stop that. As long as you go into this eyes wide open, the financial risk, the marketing risk, the effort, bro, I’m here to support you. Next morning, he comes back and he goes, I did more research. I decide not to do it. I didn’t tell him not to do it. I absolutely supported him. I wish every parent had that level of self-awareness cuz like even I almost did it. All that to say, it came from a place of deep love for my kids. So, listening to your parents and people that you love could be a completely failed strategy, especially if the life you want for yourself is bigger than the one you’ve experienced with them. Because if you listen to them, you’ll get the exact same life they had. So, if you want something different and bigger, by definition, you can’t ask the people that you love unless they’ve achieved the thing you want. Which, look, maybe in my son’s case, in the business he wants to start right now, that makes sense to come to me. But he might have aspirations that are way bigger than mine. And in that moment, I would be a flawed person to come ask for advice. And honestly, I probably will always be a flawed person because I’ve got skin in the game. I care too much about his well-being to give him the yolo advice I give strangers. So, here are some warning signs that you might be falling for this advice. You have a burning desire to play a big ass game, but you’re afraid that the people that are closest to you what they’ll think about it. And the other one is that you keep hearing from people that you care about why it won’t work instead of why it could. So, if that’s what you’re hearing, do this instead. Number one, create your Mount Rushmore of advisors. Okay, I call this the power of opinion. Whose opinion am I giving power to. I pick five people whose life I admire for different reasons too. It might be business, it might be family, it might be risk-taking, it might be problem solving. The key here is to make sure that those people have the receipts of doing the thing you want to do. And it’s kind of like asking myself the question like what would this person do? It’s like, you know, what would Jesus do? It’s like what would Jesse do? What would Elon do? What would Warren do? Those are examples of people that I have on my advisory board. Some of them I know in person, some of them I don’t. Some of them I will eventually be good friends with. So, here’s the key though. When you get that feedback, listen with affection cuz remind yourself they’re saying this because they don’t want to see you hurt. They don’t want to see you skin your knee. But then go get advice from someone who’s done it. Advice number five, always have a plan. This is one that can be terrible advice. When I was 23, I decided to start a company and I had already failed twice and I was onto my third company and I’m sitting there in a small basement apartment and I had to buy software. It was called Business Plan Pro and I sat down. I went through all the prompts and did the answers and I did all the work for it to create a plan, a business plan, which I effectively have called now a guest plan. Because let me tell you, not only did it have a perfect proforma, a perfect marketing strategy, a perfect recruiting program, a perfect offer, everything was in there. None of it ended up coming true. All the time that I took that 25 hours to write the business plan, to guess about the future, I might as well have just spent it getting my first customer, hiring my first employee, doing work that I could have got paid for. Instead, I just sat there cuz it felt safe, it felt right. One of my favorite quotes is by Mike Tyson because he said, “Everyone has a plan until they get punched in the face.” You could have the best plan, the perfect plan, and none of it matters until you talk to a customer. The challenge is that most people that struggle with this, they think they have to make the perfect decision. Instead of trying to make the right decision, how about make the decision, then make it right. I actually start businesses with the assumption that I don’t know what I’m doing. I don’t know what’s going to work. I trust it will work. I don’t know what part’s going to work, but what I believe to be true is anything to get feedback, to learn, to try is better than thinking. Here are some warning signs that you might be falling for this advice. The launch date keeps changing. Not yet. Not yet. Not yet. I’ve been following some founders that have been supposedly launching for the last 9 months. Haven’t seen the product yet. You go down a research rabbit hole that ends up at nothing. Like, oh, before I do this, I have to study my competitors. I got to study the market. And then you end up spending months with what? No learning. You’ve talked about your idea to everyone you know, but no one has seen it. You haven’t asked them to be a customer. You haven’t gotten any money. You’re getting excited by talking about the idea, but not them using the actual product. So, now that you understand the warning signs, here’s what we want to do. First off, we have to make it a non-negotiable. Non-negotiable to go and do something, not think about something, not build guest plans. Actually go sell, do create. That is your next step. Two, we have to give ourselves a deadline. Goals are just dreams without a deadline. Third is we have to make sure that we have a reward for accomplishing something. And then stakes. What are we trying to avoid if we don’t? You’ll do 10 times more to avoid pain than you will to gain pleasure. And that is a powerful tool. And for what it’s worth, stakes have to be real. Stakes have to be painful. The vacation you choose not to go on is not stakes. The I can’t work at this company anymore, I’m speaking to Jen. You guys might have seen that story before. That’s real pressure. Those are stakes. Not going on a trip to Bali that you weren’t going on in the first place. Whatever. Realizing you have to go find another job. That one’s scary. And then to really activate it, share the rewards and those stakes with other people so you have public accountability or what I like to call positive peer pressure. If you post that on your Facebook, here’s what I’m going to do by this date and if you see me, you should ask me about it and if I don’t do it, I’m committing to X. That is accountability. And then my favorite thing which is written on top of my office door is default action. Take a single action, anything right now in this moment to move it forward. Don’t overthink it. Don’t stop yourself. Just do something. You don’t need every answer before you start. You just have to take a small step that helps you find that next one. Advice number six, if you want it done right, do it yourself. I see this one almost all the time. founders that think that they need to do everything themselves. They get involved. They get involved in the marketing and the sales. They do everything and then they’re complaining. They’re burning themselves out. They don’t have enough time to do anything. And they never stop to ask themselves, hm, could I ask for some help? And this is the trap. Thinking that if I want it done right, I have to do it. As the author of the book, Buack Your Time, I can promise you this isn’t the right way to do things. The idea of do-it-yourself can turn you into the person where your whole team has to wait because you’re stuck. You are the choke point in the process. That is why it’s called the bottleneck. I believe that you add value. But there is a very specific way to do that and it’s called standards cuz people don’t buy your presence, they buy your standards. When you’re selling something, even if it’s you, you’re a coach or a consultant, you’re an expert and you think, well, I just sold them me. No, you sold them your expertise. You sold them your methodology. You sold them the process, the way you do it. What you sold them was your standard, not your presence. If you have a business, you’re going to have to charge people enough money to pay somebody else to do the work. You’re going to have to train them. They’re going to have to follow your process. Empower them. Like, give them the information. Give them the system. Give them the process. Give them the dashboard. Say, “Here’s how we do this. Watch me do it. You do it.” All of a sudden, now we’ve empowered. We showed somebody. And then they can go work with other people. You have to be the person that creates the standard, creates the system, trains against it, but definitely not the person that does it. Let me give you an example. If I have a workflow that requires a sales call to an onboarding conversation to working with somebody to follow up, to billing to whatever it is, I break down that workflow. There might only be the middle part that actually requires me, which is doing the work with the person. The sales call, somebody else. The onboarding call, somebody else. Post follow-up, somebody else. The billing, somebody else. It really requires you to let go of the other things to grow, but to do it in a way where you’ve given them a checklist. You’ve given them training. You’ve shown them how it’s done right. Not so they can do it right, so that they can’t do it wrong. So, give them the ownership, empower them to take those steps on and then coach them to win. And look, if you’re someone who struggles with this, I got something huge I’ve been working on for 2 and 1/2 years. It’s going to be the biggest thing that I’ve ever done in my career specifically to support those. They know they have more to give, but they can’t get rid of the work. They can’t let go to be able to grow their life, their business, their outcomes bigger. Mark your calendars and come back November 2nd because I’m going to be talking more about it in a massive way. So, these are the warning signs I want you to look for that might be telling you that you’re falling prey to this advice. You’re doing work that you’re already paying somebody else to own. Your team needs approval for every little decision because you can’t let go. You say, “Hey, next time you work on that, I need to approve this.” And then the last one is you’re constantly covering up for your team. Meaning, you see somebody fall short and instead of working with them, you do the work for them. And indirectly, what you’re doing in that moment is you’re teaching them how to treat you. Meaning that they learn if they just leave it there, you’ll jump in and fix it. So, this is what I would encourage you to do instead. First off, there’s a framework called the camcorder method that is so powerful. I talked about it in my first book, but it continues to come up because in the world of AI, you can literally do this. Give it to your AI and it’ll do it for you. And essentially, it’s record yourself doing the work. Just pick one task that you continuously do. It could be responding to questions in your email. It could be following up to support tickets. It could be doing your financials. It could be doing marketing. It could be posting on social media. Record yourself doing the thing. I like to use Zoom. Share your screen, record it to the cloud, go through the actions of doing the work, talk out loud, talk through it, make sure you’re being very descriptive, and then give that recording to somebody else on your team. Or if that team is now virtual using AI agents, give it to an agent and say, “Hey, go through this video step by step and turn it into a playbook. And guess what? If there’s anything I miss, could you also add that for me?” The key is to talk in steps, principles, and frameworks. That way the person gets to learn how you think, not just how you do. And that is a big distinction. Your team isn’t the problem. You just haven’t been able to give them the tools that take things off your plate in the proper way. Advice number seven, hustle harder. For the obsessed, for the people that love the work, the people that are just like so into their craft, this one might be the hardest. When I built my first company, most people don’t realize this, but I was coming off two failures. I was so worried that I was going to fail again that I just did the only thing I could do, which is work. I was talking to customers on Sundays. I was prepping interviews at 6:00 in the morning. I was working with clients full-time for 3 years. I actually went on site and deployed software and helped clients. Like actually did 8 hours a day of real work. Then outside of that have to operate and scale a company. And I was literally napping in between meetings cuz I was so exhausted. I couldn’t keep relationships. I put on weight. I was pushing so hard that I later got shingles. My body essentially said, “Fuck you. You think you’re working hard like this and I don’t notice.” No, I noticed. What I learned later is that I needed to understand how to protect my time so that I had the time to take care of myself, to have hobbies, to build relationships so that I didn’t keep creating problems that I then got distracted about trying to resolve in my personal life because I was thinking I was doing the right thing by working all the time. And it turns out I’m happier after I take time for myself, which means I’m a better person for my team, which means I’m a better person throughout my day, which means I can still work hard. I just work more effectively because I’m not trying to fix things that have slid off and cracked. I get that there are seasons where you hustle harder. But we also need time to recover. No different than after I did a full distance Iron Man, I wasn’t waking up 2 days later to go do another one. I had to take weeks. literally took me six, seven weeks to recover my body to not feel the fatigue from that level of stress. Works no different. And when people say, “Hustle harder, hustle harder.” It can feel intoxicating. But then I never stopped to ask myself when is the date where I’m going to pull back. When am I going to find a better way to work cuz they exist. I just didn’t force myself to confront it. So these are a few warning signs that you might be doing this advice wrong. First off, you check your messages every time you’re supposed to be out of the office. The other one is you keep postponing sleep or exercise or time with people you love. And then I always look at are you always in a bad mood? Are you easily irritated? Most times we lash out at people not because of the person because we’re mad at ourselves. So here’s how we fix this so the bad advice doesn’t impact you. First off, block out time for your hobbies in our calendar. On an annual basis, I have this rhythm of experiences that I do every year. A lot of these are rituals now because I know going to do them lights me up. These are activities that recharge my internal batteries. I call them the 3Fs. They’re fun, they’re frequent, and they’re with friends. And at the end of the day, you can have all the success in the world, all the money in the world, all the cars in the world, all of it. If you have nobody to share it with, you’ll be sad. And then we got to add them to our calendar. Some people see my snow biking trips or my snowboard trips or my mountain biking trips or my wake surf trips and they go, “Hey, I want to come on that.” And I go, “Look, go create it for yourself. Go grab two people, invite them to a thing, and start a ritual. Something that you can do every year. You and another person come together to do something is considered a win. Work hard when you need to. Just don’t build a life where there’s never time to recover. Advice number eight, be yourself could be the most dangerous thing ever, especially if who you are isn’t enough. When I was 19, I didn’t know what I needed to do. And if I would have just kept being myself, I can tell you what my life would look like today. I would still be drinking. I would still be smoking. I would still be hanging out with people I shouldn’t. I would still be obnoxious. The best parts of you be that person. The part that holds you back, that gets agitated, that screams at people, that makes bad decisions, that version of you has to die. The reason why people have a hard time with change is because they put labels on themselves. I’m a night owl. I am an extremist. I am an introvert. All of these things create an identity that you have to live into, right? you have a consistency bias because I’ve said this about myself. I have to be consistent with it. Well, what if the thing you want exists on the other side of you becoming somebody more? And you got to be honest with yourself that right now, if you wanted that and it’s not in your life, it’s cuz you’re not good enough yet. Even in the idea of wanting more, everybody I grew up with, they were like, “Why do you want more? Why don’t you just settle?” I’m like, “That’s just not for me.” And my gut tells me that’s not for you. So, here are some warning signs that you might be falling to this advice. You might be just saying things like, “But that’s just me.” And that ends pretty much every conversation when it’s time for you to step up. Or you keep slipping into the same situation and reaction anytime you’re tired. You feel the pressure and the noise and instead of stepping up to overcome it, you go, “It’s too much.” Or you keep falling short on your commitments to other people or even to yourself. Confidence comes from keeping the commitments you make to yourself in private. And those are the most dangerous ones to break because when you do that, you break your belief in what’s possible. To fix this, we have to start with our habits. And the best way to do that is either add or remove friction. Essentially, we want to make it easy to do the hard thing and hard to do the easy thing. So, think about something, a habit that you’d like to change. Maybe it’s just wanting to go to the gym. What is a way to make the hard thing, going to the gym, really easy? What I do, I put my clothes out the night before. I commit to showing up there with a friend. I pay a lot of money to train with somebody or for the gym. I take a picture and post it online after I work out. I made it easy for me to do the hard thing. Whereas, if you don’t do that, it’s really easy to just lay in bed, nobody’s going to know. It’s so comfortable and warm. I get it. I want to stay in bed, too, some mornings. But when I get up and I know that somebody’s waiting for me and they’re going to call me out if I don’t show up, that friction is enough to get me out of bed. And on the other hand, if you want to stop doing something, you have to add friction. So, if you’re like into playing a lot of video games, how about you sell your console and you can only play if you go to your friend’s house. Now, that takes discipline and again, you’re going to have to go back to make commitments in public to other people so you have some of peer pressure, but that process works. So, the key is you got to know your weak spots and then plan for them so they don’t take you out. Advice number nine, this one I personally had the struggle with the most to never show weakness. For 15 years after rehab, after getting clean, after transforming my life, I didn’t share any of those challenges with anybody. I didn’t share them with my friends. I didn’t share them with my girlfriend at the time that eventually became my wife. And then one day, I was asked to give a talk and informed that whoever gave the best talk would get $25,000 to donate to the charity of their choice. And that charity was Portage, the rehab center that saved my life as a teenager. And I knew that for me to win or even having a chance to win, I was going to have to share my personal story because talking about marketing or growth hacking at that time was not going to cut it. And about an hour before I got on stage, I informed my incredible wife that uh I needed her to stick around. I was going to share something I’d never shared before and she’ll probably have questions for me. And then she goes, “Okay, yeah, no, that works. But uh I just want you to know that my parents are going to come watch you. Oh, okay. Can you make sure they stick around, too? Yeah. Why? You’ll see. I went up there for 15 minutes and broke down. It was hard. It was painful. It was things I’d never shared before. What shifted for me was when I got off stage and not only did I have my mother-in-law, who I always buted head with, come up to me and give me the biggest hug and finally says to me, “I understand you now.” And Tim Ferrris, 4-hour work week, Tim come up to me and say to me, “Wow, I had no idea.” After that moment, I realized personally, I don’t want to live a life where people don’t know that about me. I am who I am because of what I went through and I’m really grateful for everything that I have. So for you not to know that part would feel dishonest for me. Showing that weakness or being vulnerable like that for a lot of people, they wouldn’t realize that everything I have from my bestselling book, 16 million followers on social media, keynotes where I get paid six figures to come and share my message, all of those stem on the backside of me being honest and vulnerable with my story. The more personal the story, the more universal the message. And that’s why I think it’s resonated with so many people. When you only share your wins, people can’t connect with that because the struggles are what’s relatable. What you want is somebody that’s going to be honest with you and then you feel to yourself, well, this person did it. I should be able to do it. Here’s some warning signs that you might be falling prey to this bad advice. You share the wins, but you hide everything hard that it took to get you here. People don’t actually know your biggest struggles that you’ve been through because you’re ashamed of them. Someone shares a struggle that you know well, but you act like you’ve never been there before. And I get it. It could require a lot to feel safe to let another person that whatever they’re going through that you’ve been there cuz you’re worried they’re going to weaponize it. I get it. It’s scary. But here’s the deal. This is what we got to do. Just got to start with one person. Pick one thing and just try it out. Hey man, can I share something with you? Yeah, what’s up? A couple weeks ago, man, I really struggle with something. Here’s what I went through and here’s what I learned and this is where I’m at now. I’m really good, but it still bugs me. Can you just share that and watch them transform? Because what happens is when you share something like those kind of stories or vulnerabilities publicly, they feel like they know a secret. And when people feel like they know a secret, they feel like they can trust you. And then what you’ll experience, which has been the most beautiful thing, happens to me dozens of times a day. People come up to me and share things they’ve never shared with another person because they believe it’s safe. When you go first and you’re willing to share yourself with the world, don’t be surprised if the whole world comes to see you win. And look, as someone who has a lot of haters online, still don’t know why, consider them confused fans. The people who matter most won’t judge you, and the ones who judge the most don’t matter. So remember, there’s a lot of advice out there, but most people giving us the advice, they just mean well. They just don’t have the full context, and nor do you. And it can literally be harmful advice. So appreciate it. Say thank you. Understand that it comes from a place hopefully of caring about you, but then also question the advice. Use it if it’s helpful, but don’t hear it blindly. So, I want you to leave a comment below and let me know what out of everything I shared with you do you feel is a piece of advice that you thought this is how it is that you now realize maybe I got to question it more. And remember, if you own a business and you want my free scale your business workbook, just scan the QR code on screen or click the link below in the description and download it for free. Now, next up, if you want to learn the seven things that you need to upgrade once you make money, click here and I’ll see you on the other side.

  • 10/13/2026 – Hermes Agent – Full Setup Guide – Beginner, From Scratch

    If you’ve been looking for the one guide that takes you from zero to a full working AI agent, then welcome. You’ve come to the right place because in the next 30 minutes, we’re going to be setting up a Hermes agent together from scratch. You’ll have an AI agent that runs 24/7 on its own, texts your phone the second something matters, and teaches itself new skills while you sleep. And the best part is there is no code required. you can just follow along and copy paste every single prompt right away. And I know what you’re thinking. Isn’t this just chatt with extra steps? So instead of telling you it’s not, I’m going to show you instead because near the end of this video, you will watch it write its own automation and text me first with nobody at the keyboard. We’re going to be hiring your first AI employee. I’ll teach you how to give it a place to live, a brain, a phone number, a real job, and a schedule. And I’ll show you how to run the whole thing for free. Let’s get started real quick so you know what we’re building. Hermes is a free open-source AI agent. The software itself costs nothing. You only pay for the brain it thinks with and where it lives. And I’ll show you how to make both of those basically free as well. as the different paid options if you want to upgrade it as well. There are three things that makes Hermes agent different from a chatbot. Number one is it runs on its own. It can act on a schedule and message you first instead of sitting there waiting for you. Number two is it remembers. It remembers your preferences, your project, the way you like things done across every device. And lastly, it improves. When it figures out a task, it saves it as a skill and reuses it forever. That’s the difference between a chatbot and an employee. So, let’s give it a place to work. The first decision you’ll have to make, and it’s the one a lot of people overthink, is where does it actually live? And there are two roads you can take here, and one of them is free. The free road is if you’ve got a spare machine lying around like an old laptop, a mini PC, a Mac Mini, anything that can stay powered on, run it there. That’s what I personally do. Mine lives on a Mac Mini on top of my desk. It’s turned on 24/7, costing me basically nothing, but it’s electricity. But what can you do if you don’t have a spare machine? Well, you can rent one. Those are called cloud servers and they can be cheaper than your monthly cost of coffee. And you’ve got options here. So here’s the rundown. The easiest one to go with is anything that is a one-click host on the Hermes agent website. You can click on deploy to the cloud and then deploy to your cloud. Sign up and from there you can sign up to the Nouse portal which is exactly that. Another option here that I really like is Hostinger, which will install and deploy Hermes for you in one click of a button without you ever touching a terminal. They’re also the sponsor of today’s video, which is great news because that means you can use the promo code Charbell to get 10% off of your subscription. To install Hermes, click the link in the description of this video. Then, we’re going to pick a plan. Typically, anything with about 8 gigs of RAM is more than enough. So, we’ll go with the KVM2 plan. We’ll click on choose. To use the promo code, we’re going to click have a promo code. Yes, we’re going to put Charel. And watch this. Boom. Just like that, we have 10% off of our subscription. Then we’re going to uncheck anything that we might not need, like a readytouse AI. We’re going to be picking an AI model. Next, we are going to check instant web scraping because Hostinger offers a,000 credits for web scraping through Oxyabs. This is completely free if you select the 12 month or more option. Then you click continue. Then once we pay, that’s going to be it. We go to our H panel. You should be here at this point. I recommend you keep your username Hermes. Then for the admin password, you reveal it and you copy it and you put it somewhere in your notes on standby. Then you click deploy. It sets the whole thing up for you. And a couple of minutes later, you’re sitting on your Hermes dashboard. So let me show you that. Here we get this survey. You can decide to skip or complete it. And as you can see here, our Hermes instance is currently deploying. Once it is done, it’s going to give you a green check mark along with running as a status. We will simply click open. And this will lead us straight into our Hermes dashboard. We’re going to put our username and the password that we copied from earlier and click sign in. Just like that, you have made it in. Congratulations. Now, one fair warning before we go further. This agent can write files. It can run code and browse the web on its own and a web page it reads could try to trick it. That’s a real thing called prompt injection. So, two rules for you to carry forward here. Number one, give it its own machine when you can, not your main one with all your personal files on it. And number two, leave approval gates on, which I’ll show you how to set up later in this video, so that it asks before it does anything risky. But, okay, let’s install it. This part is thankfully very simple. On the free road with your own machine, you go to the Hermes site and you download it for your operating system and then you run the installer. That’s pretty much it. It will take you through the installation step by step. And once you’re done, you will land on this window, which is the Hermes desktop app. Now, I will be showcasing the rest of the setup through the lens of someone on a cloud server. But you can easily follow along by either following the flow of what I’m doing. Meaning, if your UI looks a little different, don’t be afraid. Just follow the flow of what I’m saying and what I’m doing on screen. Or you can run Hermes dashboard on your terminal which will open the same exact screen I will be on. So literally you can open your terminal and write Hermes dashboard. Click enter and boom you’re on the same exact screen on a one-click host. If you’re doing it through Hermes agents website then you sign up and pick a plan. I recommend starting with the free plan and then click on create agent. Then click create instance. Once it’s done, you can open the dashboard and there you go. You’ve made it. Whatever way you decide to install Hermes, you will land on the dashboard. This is your agent’s control room. Sessions is every conversation. Models is the brain. Craw is the schedule. Skills is what it taught itself. Right now, it can’t actually think yet because there’s no brain connected. So that’s next. This is the step most people get wrong. So, let me give you the way to think about it, not just what to click. Your agent’s model is its brain. It’s what it uses to think. Think of it like the engine of your car. Without an engine, your car can’t do anything. And you do not need the most expensive model for everything. You should think about AI models in three tiers. The first is top tier. And top tier is the boss. Those are the top smartest models on the market. Think GPT6 Astra or 6.1 Astra or Claude Opus 5.5. They’re extremely smart and pricey. You save these for the real thinking. If your agent has hard decisions to make, coding, anything where we want to avoid being wrong or where being wrong costs us actual money, then the second is the middle tier. And the middle tier is your workhorse. It has solid reasoning for a fraction of the price. It’s great for planning and for everyday jobs. It’s smart and capable, just not as smart and capable as the top tier models. For the middle tier, think of models like GPT 5.6 Soul or even Luna or Clawson Sonnet 5.5 or even Haiku. Bottom tier is the Grunt Workers. Those can be cheap or even free models. They’re fast and totally fine for doing tasks like sorting, tagging, summarizing, formatting, the stuff that doesn’t need a genius. So, if there’s a manual task for an AI to perform, these would be perfect for it. Here’s a helpful model tier list for you with all three tiers. Top tier, middle tier, bottom tier. Now, here’s the trap. A model being free doesn’t make it smart. Most of the free ones you can actually run are cheap for a reason. So, don’t hand them the thinking or at least test. see how they do before, you know, just throwing hard tasks at them. I recommend giving those the grunt work and keeping a strong model for the brain. In other words, match the model to the job. So, how do you connect one? There are a few ways. So, let me show you the cheapest first. For free models, a provider like Open Router has models with a free tag. They’re rate limited, so you get a capped number of runs a day, but they’re genuinely fine for testing and light background work. Then there are local and free models. If your machine can handle it, you can run a small model right on your own hardware with something like O Lama. Nothing leaves your computer and it costs nothing. Just know a small local model is a grunt worker, not a genius. Then we have the pay as you go models. I recommend you use open router if you want these models. You can drop in $5 and on a cheap model that lasts weeks. This is what I’d actually start on. And finally, here is a hack for you. If you’ve already or you’re already paying for a Chat GPT subscription, you can actually run OpenAI’s codeex subscription on that same plan. That way you don’t have any new subscriptions to pay for. To connect that you go to keys inside your Hermes dashboard. You choose to connect to your codeex subscription. Log into your codeex account. Copy the pairing code. Paste it in and ta you’re done. I am going to connect my GPT subscription for this tutorial so that I don’t pay for anything new. But if you don’t have a GPT subscription, then I recommend you start with any of the free models or the pay as you go models. If you’re picking a pay as you go model, I personally recommend you start with DeepSeek V 4.1 Flash. It’s a great all-around fast and cheap model. Kimmy is another great option. GLM’s another great option, but I don’t want to confuse you with too many model choices. Deepseek V4.1 flash is honestly a great one to start with. And finally, send it a hello. If it answers, the brain is alive and we can move on to step three, giving it a phone. Now, let’s make it reach you when you’re nowhere near the screen. In channels, pick Telegram, then scan the QR code with your phone, and it spins up your own private bot. Set that as your home channel. That’s where it sends you your updates. And that’s it. Just like that, you’re on the allow list so nobody else can talk to your bot but you. Now, here’s the hack I actually use, and it’s a big one for staying organized. Don’t just DM your bot inside of the one-on-one chat you have with it. Put Hermes in a Telegram group and turn on topics. Now you’ve got rooms for your agent. Split by job. You can have a general topic where you just throw whatever at it. Quick questions, quick tasks. You can have an email topic where it drops new leads and drafts. That one’s not for chatting. It’s a feed. You can have an alerts topic where it only pings you when something breaks or when there’s something that you want watched, where it pings you, hey, this happened. You can have a content topic, whatever you want really. That way you have one single agent with one unified memory but organized into rooms so nothing gets buried. This one thing makes it feel 10 times more usable. All right, it’s got a home, a brain, and a phone. Let’s give it a real job. This is one of my favorite jobs that I have set up on my very own Hermes. Every morning before I’m even up, Hermes sends me one message on my phone and it’s, “What’s your number one priority today?” And while I’m still in bed with my coffee, I just send it a voice note back. Something like, “Today, I want to build an email watcher that qualifies leads and sorts them into groups wired to Jev. Group A qualified gets template A. Group B, qualified gets template B. Disqualified gets the disqualified template. And if it’s just spam, then ignore it. And by the time I go to sit at my desk, Hermes has already started it. Sometimes it’s even already finished it. Imagine that. Starting your workday with the most important thing in your day already finished. I mean, to set this up yourself, you can send this prompt to your Hermes agent. Every morning at 7 a.m., message me and ask my number one priority for the day. When I reply, start working on it right away and get as far as you safely can before I sit down. Don’t spend money or send anything externally without asking me first. And that’s it. It’ll ask you the same question every single morning from here on out. You can also point it at your inbox to draft replies in your voice ready for you to approve and send. Or you can set it to watch something that matters like your web signups, a competitor, a price, and message you only when it actually changes. And by the way, if you want more high lever jobs, you can install into your Hermes. I made a free resource you can grab from the link in this video’s description. you’ll find a bunch of prompts you can copy paste and steal for yourself. And if you want more resources like this, then subscribe to my channel and to the newsletter. And this brings us to the coolest part of setting up a Hermes agent. Let me show you. All right, watch what happens when I hand it something to watch and let it figure out how. Keep an eye on my niche for anything new worth knowing. Build yourself a skill for the check. Keep track of what you’ve already shown me. Run it every hour and prepare a reel for me to film about it in my voice and only message me when there’s something genuinely new. I gave it that one file and it went and it wrote its own skill, set its own schedule, and a few hours later, my phone buzzed on its own. That’s exactly what makes Hermes agent so special. A chatbot waits for you. Hermes starts the conversation and sometimes even finishes it without your input. There are two quick things you can also do that make it feel like your agent, not just any generic one. First, it learns how you like things. Just correct it once. Tell it something like, “That’s too long. Keep it short. No bullet points.” And tell it to remember that. Now, it’ll become like that in every future chat you have with it, even brand new ones. You correct it once, not forever. And the more you use it, the more you will feel how personalized a Hermes agent can get. It’s one of my favorite things about it and why or what makes it so hard to switch to another system. And second are skills. When it does something well that you will want again, tell it to save that as a skill. if it didn’t already do that on its own and next time it just runs the whole process start to finish. That’s how it gets better every week instead of starting from scratch. Now, let’s talk money and safety because this is where people either relax or panic. Starting with money first, the server is a few bucks a month or free on your own machine. The model is the only real variable and it’s tiny because Hermes cashes most of what it rereads. $5 on a cheap model genuinely lasts weeks. A guard rail I would set though, always put a spending limit on your model provider if you’re going for a pay as you go model or a pay as you go service. So it can never surprise you. And for safety, put up approval gates on for anything that spends money. Send something to a client or delete stuff. You can do that by telling it in any of the chats. Let it do all the prep and you approve the final click. That’s how you hand it real work and still get to sleep at night. Once this clicks, there’s a whole other level. You can give Hermes a whole team, different bots, each with its own job talking to each other and handing off work between each other. I covered that in my bot mode video, so watch that one next if you want. You can also run separate profiles, a work agent and a personal one, so they don’t share the same brain. But honestly, don’t rush here. Get this one agent doing one real job first because that’s where it clicks. You can also watch my learn 95% of Hermes agent video if you want to master more of Hermes agent next. That video is more for intermediates if you want to level up later on. So tell me in the comments what’s the first job you’d hand to your agent. I want to see what everyone automates first. And I put my exact setup, all the prompts, the crrons, and my model picks into a free doc. It’s the second link in the description, so you can copy the whole setup. And if you’d like to use Hostinger’s one-click install, then don’t forget to click the first link in the description so that you get 10% off of your subscription. If you enjoyed this video, then leave a like. Or if you’re new to my channel, then subscribe because I’ve got a ton more content like this coming your

  • 10/13/2026 – Anthropic’s Engineers Stopped Building AI Agents – Here’s What They Build Instead

    Anthropic’s own engineers just said they stopped building a new agent for every single job. And that sounds completely backwards until you see what they switched to building instead. Think about your phone. The AI model is the processor. The AI agent running it is the operating system. And skills skills are the apps on your phone. You don’t buy a whole new phone every time you want a new feature. You just install a new app and all of a sudden your phone can now do things it couldn’t do a minute ago. And skills are exactly that. By the end of this video, you will stop babysitting a pile of halftrained agents and start building one that gets better every week. So, in this video, I’m going to show you exactly what an AI skill is, how to build one for any job you want done in a couple of minutes, and where to steal the best ones other people already made. Let’s get started. Here’s the trap I fell into for a month. Every time I wanted my agent to do a job, I’d spin up a whole new agent or sub agent for it. I made one for content. I made one for emails. Uh made one for outreach. And every single one needed time, monitoring, training, enhancement. But the moment I started using and familiarizing myself with skills, everything changed. All of a sudden, all I had to do was teach the agent the job once, save it, and then have that skill at my disposal forever. When you learn skill building, you’re moving away from the need to build more AI employees and instead you’re giving one employee a bigger toolbox. And the best part is a skill is genuinely just a folder with a text file in it. So, let me show you what’s actually inside. A skill is essentially nothing more than one folder with one file, which is typically called skill.md. The top of that file has two lines that matter, the name and the description. The description isn’t for you. It’s for your agent. It’s how the agent decides when to reach for this skill. Then below those two lines, you just write the instructions in plain English, aka how you want the job done every time it does it. And from that moment onward, your agent does something clever. By the way, it doesn’t read every single skill you own on every message. That would burn through your context very quickly. It only reads the name and the description until your request actually matches one. Then it opens the full skill. This is called progressive disclosure, by the way, which is a fancy way of saying the toolbox stays closed until you need to use the tool. So, a skill has two jobs. To tell the agent when to use it and to tell it how to use it. Now, let me show you how you can build one in minutes. Okay, let’s build a skill together. For this video, I’m thinking we build a YouTube research skill, which is one of the skills I personally use the most and teach our clients to use as well. What I want the skill to do is find us viral pockets inside of YouTube and outline what the top five are in order of virality. If you create content on YouTube, this allows you to find great video content ideas. The way it works is we go to YouTube or a YouTube search engine like Vid IQ or one of 10, doesn’t really matter, and we search for the niche that we want to look for. So in my case, for example, it’s AI. Then what I typically do is filter by date. So publishing date, let’s put this week or this month. Then we filter by at least an outlier score of two. That’s my range. also view range above 50,000 and apply. Then we fetch all of the videos here that make sense for the niche we’re working with. And then we try to find the common patterns in formats and titles and topics. We’re essentially trying to see are there viral topics right now or within the last month. Are there viral formats? For example, how to fill in the blank in 30 days. That’s a format. We’re trying to fetch all of those and turn them into a skill. So, let’s do that right now. And there are three ways to build a skill. I’ll take you from the most manual way all the way to the one where you barely lift a finger. The first way to build a skill and also the way I would not recommend my worst enemy to ever do is to write it manually. I included it in this video because I think it’s important that you at least see what a skill looks like on the inside at least once because it’ll show you and help you understand the mechanics of a skill better than the other two ways we’ll ever do. In order to do this, you can click on the little plus sign uh then on skills, then browse skills, and we’re going to click on add and then create a skill. At the top of that file, we will include the name of the skill. Let’s call it YouTube pockets. Then the description, which remember this is how the agent will know when to fire that skill. So it’s important to there you go in the example use when asked for updates, right? So let’s write finds viral YouTube pockets. Use when asked to find viral YouTube videos. for example. Or you can even be more specific. Use when use when I say use YouTube pockets. I already have a skill that is exactly like it. So I don’t want to confuse my skills too much. I want to do the skill as a demo instead. Uh so I’m going to go with this. But if you’re creating a skill for the first time, then describe when or what action you would be performing for it to pull up that skill. And then here we describe how we want the skill to work or the instructions. Those would be the exact steps you wanted to follow when applying that skill. Think of it like handing a rule book to a new hire. I wrote down every time I say the keyword YouTube pockets, I want you to use Vid IQ and search through the niche I want. Filter out uploads older than 4 weeks. Also, filter out uploads with an outlier score below 2x. Then read all of the top titles that come back and find pockets patterns in the titles. For example, how to fill in the blank in 7 days or X ways to get rich using fill-in- thelank. Those are title formats. Before you write anything, ask me questions until you have everything you need. And I’m going to press create. And boom. We just created our first skill with its own skill.md file. The great thing about this is you can click on download if you want to share it with a friend or a colleague or teammate and eventually you can update it and have multiple versions of this. But I don’t know a single person who builds skills like this dayto-day. So, let me show you how I actually do it. Okay, let’s move on to way or method number two. This is the one I use for almost everything, which is we don’t write the skill. You describe the job and your agent writes the whole skill for you. And the whole thing lives or dies on the prompt you give to your agent. So, here’s a good prompt. You can send your agent when creating a new skill. Great thing is Claude has a starter prompt. If we go to skills, browse skills, add, and then create with Claude. Then it gives us this skill. So, here’s what we’re going to do. We’re going to input it, and then it’s going to start asking us about the skill. Now, I already have the previous instructions that we wrote. I’m going to send it to it, and we’ll go from here. There you go. It asked me a bunch of questions so that it really understands how that skill is done. And I’m going to go ahead and answer each and every single one of them. 1 to 12. All right, we just spoke a lot. I didn’t write this. I just spoke it out into existence and we’re going to see what it comes back with. All right, it has three more follow-up questions and then it says we should be done. All right, we answered its questions briefly. Um, I mean, it already had good guesses as to what would make for a good skill here, which is great because that’s what it’s all about with you using claw is, you know, it can think and reason what is the best way to get from point A to point B. And now we’re going to let it run and see what it comes back with. Here we go. It created the skill. I’m going to click on save with that. Let’s test it. Use YouTube pockets for the AI niche and let’s see if it works. Look at this. It’s taking all the right steps. Have no idea what these searches are, but that’s part of its process. It’s fine. Searching for the keyword. It’s ranking by top outliers. Then it’s validating them. So obviously, none of these videos would fit in our pocket. AI opportunities, AI robots, faceless AI YouTube channel. Yay. There you go. So it found the most viral pockets inside of AI right now, which is expected. AI danger explained calmly. This is very nice. Highest potential uh with title suggestions. A reasonable person’s guide to how AI takes your job. That is very grim. The dark future of AI agents. I can easily see this being in the millions if that is your niche. Want to be an AI commentator. Number two, contrarian AI opportunity takes. The biggest AI opportunities aren’t where you think. Why the AI agent boom is just getting started. These are great new titles for your channel. Five insane and this is the third pocket by the way. Five insane AI robots in 2026 you’ll want at your desk. It actually gave us four pockets even though its requirement is a minimum of two but it didn’t just stop at the minimum. This AI history niche is exploding. This faceless AI niche is exploding right now. So those are four different pockets meaning four different subniches within AI as a niche itself as the mother niche as I like to call it. and it gave us great video suggestions for just that. This is exactly how I work on both my videos but also our clients videos to come up and ideulate what videos would work best for each and every one of their niches. Just like that, we just created a skill by telling Claude itself to do it for us. Now, what if I told you there was an even lazier way to do this? And honestly, it’s a pretty cool function. And finally on claude there is a if we go to browse skill click on add there’s a record your screen option which if we click on it we can start recording ourselves as we’re doing the thing so that cloth can literally learn step by step how we want something done. Now, this skill isn’t maybe the perfect skill to do it because I wanted to use an MCP like Vid IQ to access the data. But say you want data extraction, you want very specific things that you typically do manually by hand, then you can record yourself doing it and it will learn every single step of the way and it will see what you’re doing. Okay, he opened this folder on his desktop. Then he created a new file and he named that file this. And he got this name from that place. And inside that file, he put in all of these different other files that he downloaded off of his email. So it will learn every single step of the way that you previously did manually. And then it will be able to recreate that for you. That way you never have to do it again and you can just ask it to do that process and it will do it for you. Just know that this record feature is Claude’s own. If you’re on another agent like Hermes agent, then way two or method number two is your main move because a good prompt works literally anywhere. And once you can build a skill, the real shortcut is not having to build them at all. Now, here’s the part that saves you the most time. You do not have to build every skill you need yourself. always always look up if the skill already exists or not. And there are two places where you can find skills. The first is the official one. You click on the little plus symbol, you go to skills, you go to browse skills, and from there you can find a whole array of skills that are free for you to download and install onto cloth. There’s a ton here that are absolutely gold. But as you can see, you are limited to, I don’t know, over 200, let’s say, skills. The second and much richer place to look for skills is the community. There’s now an open standard for skills, which means one skill folder works across Claude, Codeex, Cursor, Hermes, you name it. And there are full marketplaces built around it. GitHub is by far the most popular place you can find a ton of free and open- source skills. You can use the search bar to find anything you’re specifically looking for. Say for example, marketing skills and there you go. But GitHub can be very keyword search specific. This is also where you can find a lot of my free skills that I’ve open source like a Hermes agent mission control dashboard. uh X bookmarks where you bookmark things on X and then your Hermes or your OpenClaw agent goes and reads them for you at the end of the day and actions the things that you’ve bookmarked. There’s a ton that I’ve open sourced. You can also go to the trending section of GitHub which will show you all the not just skills but all the repositories that are trending on GitHub. Now for skillsp specific libraries or repertoires there are skill marketplaces like claude marketplaces.com it has a ton of great skills. One of the skills is called find skills which is literally a skill that you install and then it helps you find skills. So when you say things like how do I do X or find the skill for X or is there a skill that can it will trigger and it will find or search for the skills for you. There’s skills MP skills marketplace as well. There’s LoHub. There’s a ton of skill marketplaces. And to install them, it’s simple. Say, for example, I want to install one of my skills. Like my most popular one, I think, is the Hermes agent mission control. You just copy the link to that skill. You go to your claw chat, to your Hermes chat, whatever it is. You paste it in and you ask it to install it for me. A quick disclaimer though, always always before you ask it to install, but before you do, read the entire skill and scan for anything malicious or any malware. Always do that because these are third-party skills. You never know what a stranger is uh trying to do because skills run code or scripts and you never know what they’ve injected into them. So, always have your agents scan and make sure that that skill is safe for you to install. Most skills are fine to install, but it’s always better to be safe than sorry. And just like that, you don’t need more agents anymore. You need one good agent and a shelf of skills. You build the three skills you use every week. Then you steal the rest and supercharge your claw or any other agent you use with all the skills it needs because you don’t need to buy a new phone for every new task. Comment which skill you would build first. I’m curious to see what people use claw for the most. And I dropped my starter skill.md template plus the full list of places to find skills plus all the prompts that I used inside of this video in a free doc. The link is at the top of this video’s description, so you can copy the whole setup right away. If you enjoyed this video, make sure to leave a like, and if you’re new to my channel, then subscribe because I have a ton more content like this coming your way. Oh, and the algorithm gods just told me you’re very likely to enjoy this next video as well. So, click it and I’ll see you there.

  • 10/12/2026 – The Instagram Gold Rush is Back – Do This to Make Money

    Instagram gold rush is back. I posted one video when I had 900 followers and just off this video alone, I got over 870,000 views and 52,000 comments and over 5,000 emails on my list. But not only that, I was able to grow from 900 followers to 10,000 followers within 4 days. And honestly, this feels exactly like back in 2020 when reals first got launched on Instagram. Instagram was pushing all creators who are using reals and I was one of them. I was able to grow my Instagram account to 100,000 followers within just couple of months. It was really quick and I know similar thing is happening right now because I’ve seen this moment before but honestly how much following you have that’s never the point. These four videos alone have brought me over 7,200 email list and that list is actually what makes money. Your email list is directly tied into growing your business. So, in this video, we are going to talk about how you can grow your email list, but not only that, how you can actually make money with Instagram using AI. I’ll share my full stack and workflow with you, and that way you can just copy exactly what I’ve been doing and start right away. I also made a lot of mistakes early on that cost a lot of money. So, make sure you save this video and don’t skip any of the step. In that way, you can follow exact steps. Step number one is what did I do to grow my Instagram? my exact tools, steps, and scripts. Step number two is how was I able to capture people’s email addresses? And that way you can use Instagram as lead generation platform. Step number three is different ways to actually make money with Instagram using this workflow. So without further ado, let’s get into the first step. Step number one, how I grow my Instagram. So in order for you to grow your Instagram, you have to know 8020 rule. 80% of the content you should be making towards the beginning is for the reach content which means you are trying to reach to as many people as possible. And now you may be wondering, Sandy, okay, I get that, but how can I find the right topic and how do I know which one is the broad concept? And not only that, like what about the hook? How should I do that? I’m going to cover that in about a minute. Deals you’re going to make. So the 20% means you’re going to build your personal brand. So, while 80% is trying to grab more people, 20% you’re trying to convert them, whether they’re going to become your fan or followers or even subscribers or even a buyer from your services, whatever that is. Just make sure that 20% is more personalized and you can talk about something about you. Now, let’s go back to the 80%. Because that 80% is very crucial, especially for beginners. All right. One of the reasons why this video got really popular is because I use exact same hook that I use on my YouTube. So this is my YouTube link and for this exactly same topic, I was able to test which one was working, which one was not working. And as soon as I saw this video going up like up in trend because a lot of people were interested in hearing a little bit more, I just made a quick video on Instagram. I was the outlier for this specific video and I got inspired by my own content. Now, if you don’t have a content and you don’t know which one is working, which one’s not working, that’s okay. What you have to do is find other people’s content and you are going to get inspired by other people’s content. I’m not saying you need to just copy other people’s content, copy and paste, be a copycat. No, that’s not what I’m trying to say. You always want to make sure you share your own story, your own thought or whatever research that you did. Something that I will say is getting inspired by other people’s hook. The first one sentence or one to two sentences. That is very important. Even one of the biggest creator, Mr. Beast, he’s doing that too. He’s getting inspired by other people’s thumbnail and other people’s title as well as just the topic in general as well. Now, why do we do that is because it’s proven. So, you know that people like it. And if you pay close attention to all different brands and heck, even like AI, Chad GPT is always trying to compete with Claude and Enthropic OpenAI, same thing. They’re just going back and forth. It’s because they’re keep learning from each other. And that’s what I want you to do. I want you to learn from other creators. Don’t try to be original. This is not where you should be original, but you should be authentic. Being authentic and being original is completely different thing. A lot of people merge it together and they think if you’re original, you’re authentic. No, being authentic, that means you’re being true to yourself and you hold accountable of what you’re talking about and you know what you’re talking about. That’s being authentic. But being original is you’re starting from scratch. You’re not even getting inspired from other other things. You’re just making things up. That is not a bad thing to do. And I want you to do that for the remaining 20%. However, for the main 80%, I want you to get inspired by other topic, other creators, and try to copy their hook. But for the main part, you do your own research and make sure it’s different. That’s my suggestion. If you don’t know which creator to study, then what you should be doing is you should be studying one person, just one person or two that you really like. So, let’s just say I really like this creator. Try to see who this creator is actually following. And if you look at the list of the people they’re following, I want you to follow those people. And if they’re following some people that they personally know, don’t follow them. But just anything that’s going to be helpful for you to create content, I want you to follow those. And then you’re going to go with the next creator, do the same thing, and then next creator do the same thing. If you do anywhere between three to five creators, then you’re solid. Those are the people that you’ll be studying to find those outlier videos so you can get the right hook from them. Okay, let’s talk about one other logistic thing which is editing videos. So, Meta has a creator program and I’m part of their creators program. And when they called me, they said editing video is actually not as important as what a lot of different people think. And I think I know why they said that is because with AI, there are so many different fancy B-roll editing and all that. And I think we as a human, we’re just kind of sick of the same content all the time. So if somebody does not have fancy editing, I feel like we relate to them a little bit more because they just seem more human than AI. Fancy editing is not needed. If that’s what’s holding you back, just cut it. Just do very very basic, you know, just remove and whatever you can do to make it sound good, not look good. That’s the only thing that I would focus on. But I wouldn’t spend more than 20 minutes per video, if that. All right. The next thing that I want to figure out is consistency and batching content. Being consistent on social media platform is hard. My gosh, it’s so hard. Even for me, I’ve been doing this since 2018 and I so struggle to be consistent on social media because here’s the thing. Whenever we’re on social media and we want to study other people’s platform and their videos that often times we are just being stuck into this doom scrolling, right? this algorithm are so addictive that we just doom scroll a lot. So I found the solution to this and I’m going to share that with you in about a minute. But let’s actually go over how can we become more consistent. In order for you to be consistent, you have to know exactly how much time you have. If you overpromise when it comes to the result such as like I’m going to post three times a day as an example, then you if you don’t do that then mentally you’re just attacking yourself. You keep telling yourself, “I’m not good enough because I’m not doing this. I should have done this, but I didn’t do this.” That’s not good for you. No, that’s not good for your brain. So, what I want you to do instead is exactly find out how much time you got and try to allocate that time to this specific task. And once you set the system, it’s going to be so much easier. And that, my friend, it took me a while to figure this out. And I have all this other things that I personally had which is imposter syndrome which I talked about that in one of my videos on Instagram like being a perfectionist. Nobody cares. They don’t like it’s you who cares. And I’m saying this to myself as I’m speaking to you right now. So the most important thing is you just create content. That’s what it is. Let’s talk about step number two which is so important. I’m assuming you are too. Okay. A lot of people who come to me, we’re not famous like celebrity or we’re not wanting to become this famous creator or none of that, but we want to make money. Yeah. We want to grow our business. We’re more of entrepreneur. So, I call that like creator founder instead of creator creator, you know, who just we’re not Kim Kardashian or any of that. That’s what I’m trying to say. From that being said, what’s really important is you want to turn every single video into a lead. Some sort of ROI has to be there. ROI means return on investment. Instagram can kick you out at any time. YouTube can kick us out at any time. It’s up to them. Whatever rule they have, they can just kick us out, which is not fair, by the way. But they’re the owner of the platform, so I guess they get to do whatever they want. What I’m trying to say is you have to build your own lead. Okay? You have to build your own email list. And that’s what we’re going to talk about. turning the social media platform into the lead generation machine. So step number one, what we should be doing is in every single video you should have CTA. CTA means call to action. They got to act on something. That’s pretty much what it is. And one of the best strategy when it comes to CTA for Instagram, now YouTube is different, but Instagram is you’re building up the value of this free document you’re going to give or free resource you’re going to give. You’re trying to make it sound really interesting, really engaging to a point. Oh my gosh, I want to know. What is this thing? What is this link? I want to know. You’re trying to like build that up in that 30 seconds. And eventually at the end, you’re asking people literally, if you want this link, comment link and I’ll send it to you. You probably heard that a lot. I said it a lot. That’s what you want to do. CTA, you want people to take action and actually make comment. I have a couple videos on Instagram and some of them don’t have CTA and the result of that it sucks. Like not many people watch it. I haven’t collected any emails from it to a point I don’t even know why I made that video. If you’re thinking of that as a 20%, okay, I think that’s a great excuse. In my opinion, I think every single video should have CTA. So, what happens after you ask people to comment and they will send a DM. Okay, here’s a mistake that I made. Horrible mistake. When this video was first posted, this video I didn’t know it was going to get a lot of views. I had no idea legit. Generally, I’ve been getting like 200 views, you know, or 300 if I get a lot. So, I’m like, okay, maybe I’ll get 10 comments. So, I didn’t have anything set up towards the beginning. No automation platform or not whatsoever. And then when I woke up in the morning after posting, I have 600 comments in just couple of hours pretty much. And I’m like, “Holy cow, how do I respond every single one of them? I promise I’m going to DM every single one of them.” So, you know what I did? I literally went one by one, try to DM everybody. And it was so hard to a point. I was asking Claude, you know, one of the Claude extension to see if they can do it. I’m like, and they made a mistake, too. I’m like, “Oh, this is not good.” So what I did is I quickly connected to one of the social media automation tool and it was not good because it was way too expensive. And there were a couple others but either they were expensive or they didn’t have enough features. So I couldn’t really find anything perfect for my Instagram until Sabrina. Yes, she launched DM feature on Blueot. My gosh, when I heard about this direct message automation feature, I was so excited because I use Claude so much and one of the best part is you can actually connect this using Blueotato MCP to claude code or even codeex whichever agentic workflow you’re using. They can set everything for you. And after showing you the workflow, I’ll also tell you exactly what you should be doing so you can set this up for your Instagram. So basically when somebody is posting this reel over here which is one of the videos on my Instagram and they can put any keyword on the comment and if they do that what happens is I’m going to ask them to follow me. It’s like hey could you follow me real quick so I can send this to you and there is a button that is like I’m following and if they actually haven’t followed me it’s going to send this again. Hey could you please follow me? pretty annoying. And if they actually follow me, then it’s going to skip this, right? And then I’m going to send them the link right away so they have access to the URL, like to the actual resources that I promise I’m going to give to them. That’s exactly what they do. When you actually click this URL, what’s going to happen is then people have to put their first name as well as their email address and click if it’s okay for me to send emails and then get free access. That’s exactly what they’re going to do. And this is how I collect people’s emails. And one of the best part of Bullato is you can customize this as much as you want. Every single business and where they’re at, their thought process is all different. So you don’t have to follow exactly how I’m doing it. In fact, you don’t even have to ask people to follow you. It’s up to you, but you can do whichever way you want. And I’m going to show you right now how you can set this up. So, what we’re going to do is we are going to set everything up in Blueot using MCP. For this specific video, I’m using Cloud Code because I already have Cloud Code connected to Blueato. But if you’re using OpenAI like Codex, then what I want you to do is just check this out. There’s a how can I set up Lotato MCP instead of chatbt and you can use this and there’s instruction in here and Sabrina actually has a couple videos that you can watch on YouTube. So there’s a step-by-step tutorial of how you can show how to use. So that’s what I would do and here I am in cloud code and in this case I already have MCP connected. So I just want to see in the MCP connections for Blueot and I’m going to double check if everything’s all good to go. Yes. And if you’re curious, this is the Blueot MCP. So just copy this and make sure your Blueot is connected to cloud code. And the other thing that I like to do sometimes uh writing deleting tools. Yes, I like that it’s need approval, but also let’s see read only tools. Yeah, some of the tools they you can always allow and some of the tools that you don’t always allow, but I feel like DM is pretty sensitive. So, I’m just going to have need approval for all of it. And what I’m going to do now is literally connecting Blueotes and to my Instagram if I haven’t done that and double check that, too. You can also do that on Blue Bull’s website, but I personally like to do it everything inside of Cloud Code. So, it’s a little bit easier for me to go back and forth instead of trying to figure out where things are. So, I’m just going to say, is my MCP for potato connected? I’m going to ask cloud code all these questions and it says yes MCP is connected. It just came max uh active subs. We have active subscription and okay um check if Instagram is linked and I bet your Instagram is not linked and this is where you can link your Instagram. Now, if you don’t know how to do it, the other way is ask cloud code how you can actually do that. Like, yeah, Instagram is linked at this point. Let’s just pretend that I have one video that I want to publish on Instagram and it hasn’t been published just yet. You can use blot to publish this video. I usually make three trial reel. So, the exactly the same video but different title hook. Sometimes you can do different CTA, but I usually just do different title hook and one video for faster. So times 1.5 those three videos I use cloud code to make the videos and also using blot to upload it. But before it’s uploaded I want to make sure it’s linked to the right resources. And if you actually go to one of my links I have multiple different resources per video. I have a skill that I put together for this specific skill. What AI is doing is AI is creating those links for my specific video. So when people are watching this, they can put their first and last name, email address and get access right away. So that’s what cloud code is going to do before uploading to our social media platform using Blotato. And after this is taken care of, then it’s going to upload to different social media platform. This case Instagram using Blotato. But what’s cool is after they upload it, automatic DM feature is taken care of. And I want to show you this is what I have for every single link. It’s just a little bit easier for me to see. So using cloud code I had cloud code go over here and edit this specific document IG blot and I am using feature called playwriter.dev This is what I want you to use instead of there’s another thing. There’s a playwriter uh playwright or playwriter two different things. This sounds so similar. So it drives me nuts. But playwright is from Microsoft. It sucks. It’s not as good. Sorry Microsoft. It’s just not good. But play writer is better because you don’t have to log in and log out or like don’t have access. So from that being said, I just use this. It pretty much add everything inside of this document. Now, if you look at this document, I have a real link. So, I can listen to the real right away. Topic and comment. What comment should people write to get this resource? And once they get the resource, which is the late page, what do you exactly say? And also, I want to check if this is all active and blue. Yes. All good to go. And another thing is is for some of it I want people to follow me before they get the link but some of it they don’t need to follow me you know just go straight to YouTube. So that’s why I have a check box over here. This for me is easier to see. That’s why I have everything in here. But you can also go to potato automation. Everything is in here as well. So if you just click this then you can see more visually. This is a lot a little bit more prettier. But I personally just like everything in one place. That’s why I have one extra thing. That is it. Pretty simple, right? You’re pretty much asking Claude using Blotato what they should be doing when it comes to uploading the video and also sending the DM direct message automation tool. And I’ll put the link in the description below so you can try Blotato. They have a free trial so you can try this. And thank you Blotato and Sabrina for sponsoring this video today. Even if I didn’t get the sponsorship, I would have still recommend using Blotato to anyone that I know. So I hope that was helpful. And by the way, this whole thing, this whole setup, you’re like, I’m a little confused. I got you. I have a skill that I can share with you. If you’re part of my community member, just go to classroom and go to resources and you will see everything in under skills. If you’re not part of the community member, I’ll put something together in notion doc so you can create a skill for yourself. Now, shall we talk about how to actually make money using Instagram? There are multiple different ways how you can do this but I’m going to talk about one of the most famous way. It seems like a lot of creators are doing this way. So I’m going to talk about the one of the most proven famous method and I’m going to break this down into three different ways. The very first one is sponsorship. Gosh there are so many sponsorship opportunity. There’s a lot of people who has reached out to me via email asking about Instagram sponsorship. I haven’t taken any just yet because I just want to grow my Instagram first for YouTube. Yes, I really am grateful for the sponsors who’s sponsoring me for YouTube because it’s helping my channel to grow. It’s helping me to dedicate my time more and just this business in general. But for Instagram, I was trying to do multiple different things. So, I couldn’t really do a sponsorship on top of that. But that is one of the most common things a lot of people do. There’s a lot of sponsorship opportunity. But I got to say as a beginner there’s no sponsorships. You have to grow your channel first. For those beginners are like yeah I have like I don’t know 100 followers Andy like and those are all my friends. Then sponsorship is probably not best route for you. So let’s talk about method number two what we can do. I didn’t know this but my mom told me actually pretty interesting. She said Instagram is paying people and I’m like, “Mom, that’s a scam.” But I found out it’s actually true. So, this is where you can find it. Click this hamburger menu right there. And once you click this hamburger menu, you’ll see settings and activity. Scroll down a little bit. Clicks professional dashboard and you can see like all the views you have and go monetization. So, if you go to monetization, there’s a badge, creator subscription, and bonuses. And if you click bonuses, this is where you can see, okay, you can be eligible for carousel post. And it talks about you have to be at least 18 years old. You have to live in the states, but I’m pretty sure they’re going to extend it pretty soon to another country. But basically, if you qualify for this, you will qualify for bonuses. And you have to have a lot of views, like 5 million views per month in the past 3 months. So that’s how you can actually make money using Instagram. And I’ve seen a lot of people talking about it. But the problem is you have to go viral each time because it’s purely correlated to the amount of views you get. Obviously the bonuses from live. Yeah, that’s a little bit different because that’s your true fan. But if you’re just starting out, you don’t have a true fan. So that’ll be a little bit hard. Subscription, same thing. Like why would people subscribe to you if you don’t have any following just yet? But I’m talking about those carousel and post what I just barely shared with you. But you have to have like millions of views, like a ton of views in order for you to get paid by Instagram. Now, I’ve seen people doing it. Yep, I did. I’ve seen people actually doing it and then make money and sell course of that method. I don’t know if I like that method cuz I don’t think it’s really sustainable. First of all, try to go viral on each video. Like, what would you do if Instagram goes out of business? I mean, what would you do if Instagram decide not to do this anymore? Like, not pay you? What is the outcome of that? just because sponsors will not sponsor those type of content like Panda like scratching their head, whatever. It’s I guess it’s funny and people watch it. I don’t know why it gets a lot of views, but it doesn’t really show your brand, personal brand, none of that. I personally don’t like it, but I’ve seen other people doing it. So, if you’re one of those people you’re like, I don’t care about my business. I just want to make money and I think I want to find a way to go viral, then this is the way for you. It’s not as easy as you think but it is one of the way. Now I want to talk about my favorite way. So my favorite way is number three is you promote your own services. I recommend this the most. This is the most sustainable business you can get. And if you look at my Instagram I talk about I’ll help you to make simple content. I’m the mom of three kiddos and also I have a AI content system at school like that. So, this is what I offer to people right now. As of this moment, I don’t have any other offer. The reason why I did this is because a lot of people have asked me if there’s a community where they can learn. I’m like, I’m sorry, I can’t do one-on-one, but I guess I can put something together. So, this is what I put together a couple months ago. My gosh, it’s been a while. So, from that being said, if you have an offer, you’ll just put it there and you will talk to your ICP, ideal customer person, directly. That’s what you would do. And guess what? You just learned how to collect people’s email addresses using Instagram. So, you can send emails to people, too. Don’t spam people, but send emails. Talk about your business. You never know who’s going to benefit from your business. And the only way to find that out is actually sending emails. So, I hope this was helpful. Again, Instagram is insanely pushing for new creators, small creators. So, I would say timing is just perfect. You’re watching this in the right time and I want you to start as soon as possible and definitely leverage and utilize Lotato so you don’t get burned out. Now, if you’re curious about how I was able to create my content system, I have a video right here that’s talking about that. So, make sure to watch this and if you have any questions at all, just put in the comments below.

  • 10/12/2026 – How to Write a Factually Correct Ebook with AI for Free – ChatGPT, Gemini or Claude

    This is a real ebook, title page, contents, and it was written with a free AI. No paid plan, no special software. In this video, I’ll write one with you start to finish. It works with ChatGpt, Gemini, or Claude, whichever one you already use. And not the way most tutorials do it, with one giant prompt and a copy and paste. One chapter at a time with a check for repeated points, a check for madeup facts, and a check for the phrases that make a book sound like a robot wrote it. You’ll see every step, including the ones most tutorials skip. And at the end, I’ll show you three places to sell it, and what each one takes from every sale. Quick bit of context if you’re new to this. An ebook is just a book you sell as a file, usually a PDF. Someone pays, downloads it, and reads it on their phone or laptop. And ChatGpt, Gemini, and Claude are AI assistants. ChatGpt is made by OpenAI, Gemini by Google, and Claude by a company called Anthropic. The free version of any of them is enough for this. Here’s the whole route in one breath. Six stages. First, a topic someone would actually pay for. Then a short brief that tells the AI how the book should sound. Then the outline, then the chapters, one at a time, then the checks, and finally turning it into a PDF and picking where to sell it. What you need is a free account with one of those three, a Google account for Google Docs, and a few hours spread over a couple of days. So, why not just type, “Write me an ebook about this,” and be done. I’ve watched a lot of those tutorials and in my opinion, the books come out generic. The same point turns up in three chapters and nobody in the video checks a single fact. There’s a practical problem, too. Free plans have usage limits. When you hit one, you wait before you can carry on. And Claude’s own help pages say it plainly. Longer conversations use more of your limit. So, one enormous chat that writes a whole book is the fastest way to hit the wall halfway through chapter 5. The fix is simple. Give every chapter its own fresh chat. And give the AI a short brief it can read every time, so the book still sounds like one book. All three have a feature for exactly that. I’ll show you each one in a minute. Stage one, the topic. The most common mistake here is a topic that’s far too big. How to make money online isn’t a book. It’s a library. A topic that sells is narrow and it promises a result. So, I’m going to ask the AI to be honest with me about mine. My topic is a beginner’s guide to getting your first affiliate sale with zero followers. An affiliate link is a special link that pays you a commission when someone buys through it. So, I’ll paste in this prompt. I will give all these prompts in the description below. It asks whether the topic is narrow enough and to turn it into one promise. And here’s what it came back with. One line starting after reading this, you’ll be able to. If it still sounds vague, ask it to try again or narrow the topic yourself. It’s worth getting this line right. That promise matters. Every chapter has to move the reader towards it. Stage two, the brief. This is a short note that says who the reader is, the promise, roughly how long the book is, how it should sound, and a list of phrases the AI must never use. There’s one more rule in here that does a lot of work. If the AI isn’t sure about a fact, it has to write the word check in brackets after it. That gives me a trail to follow later. Now, where it goes depends on your AI. All three are free. In Claude, it’s a project. In Chat GPT, it’s also called a project. And in Gemini, it’s called a gem. Each one is a home for one piece of work. You add the brief once, and every chat inside it can read it. I’m using Claude here. So, I’ll make a new project and add the brief to its knowledge.

    Stage three, the outline. Inside the project, I’ll start a chat and paste the outline prompt. It asks for seven chapters. Each one gets a title, one sentence on what the reader can do after it, and a word count. And it sets three rules. No two chapters cover the same ground. Chapter 1 gets the reader to a small first action, and the last chapter tells them what to do next. So, look at this. Seven chapters, each with its own job. Now, read it like a buyer would. Do any two chapters sound like they’d say the same thing? Merge them. Is a chapter in the wrong order? Move it. Is a title dull? Rename it. This is the cheapest place to fix the book. Moving a chapter now takes 10 seconds. Moving it after it’s written takes an afternoon. Once I’m happy, I’ll add the final outline to the project, too, next to the brief. Stage four, the chapters. This is where the book actually gets written. And here’s the habit that makes this work on a free plan. Every chapter gets a brand new chat inside the project or inside the gem if you’re on Gemini. So, I’ll start a new chat and paste the chapter prompt. It says which chapter to write, how long, and to follow the brief and the outline. It also tells the AI to skip the chatter. No, here’s your chapter at the top. No, let me know if you’d like changes at the bottom, just the chapter so I can copy it straight across. And then it writes. Now, before I copy anything, I read it. Two quick checks. Is it roughly the length I asked for? And does it sound like the brief or like a press release? If it’s way off on either, don’t patch it by hand. Tell the AI what’s wrong in one line and ask for the chapter again. That’s usually faster. Now, the step most people miss. Before I leave that chat, I ask for a short summary of the chapter, four lines, the main points, and any examples it used. Why? Because the next chapter is written in a fresh chat. It hasn’t seen chapter 1. Without a summary, it will happily explain the same idea again with the same example. So, I paste that summary into a separate Google Doc, chapter summaries, and then I update the project with it, so every new chat can read what’s already been covered. On Gemini, there’s a nice shortcut here. If you add that Google Doc to your gem from Google Drive, Gemini’s help page says changes to the file show up in the gem. So, you just keep the doc up to date. That’s the whole trick. The outline says where the book is going. The summaries say where it’s already been. It’s the difference between seven chapters and one book. From here, it’s a loop, new chat, chapter prompt, read it, copy it across, ask for the summary, update the summaries. The chapter prompt for chapter 2 onwards has one extra line. It tells the AI to read the summaries first and not to repeat anything already covered. And this is what that buys you. When a later chapter needs an idea from earlier on, it points back to it in a line instead of explaining it all over again. If you do spot a repeat, it’s usually because a summary was too vague. Make that summary more specific and ask for the chapter again. Now, at some point on a free plan, you’ll probably hit the limit. The AI tells you, and you have to wait before you carry on. The good news is nothing gets lost. The brief, the outline, and the summaries all live in the project. So, when the limit resets, I open a new chat and carry on from the next chapter. Stage five, the checks. And this is the one I’d never sell a book without. AI writes facts with exactly the same confidence, whether they’re true or not. A price, a rule, a percentage, they all sound right. So, for each chapter, I paste it into a fresh chat with this prompt. It asks for a list of every claim a reader could check. Numbers, prices, rules, names, and how sure the AI is about each one. It doesn’t rewrite anything. It just gives me a list. Then I check the ones that matter myself on the real source, not by asking the AI again. So this one, let me open the official page and see if it’s right. If it is, it stays. If it isn’t, I fix the sentence. And if I can’t find a source at all, the sentence goes. And remember those check tags from the brief. I searched the book for them, too. Everyone gets checked or the sentence goes. The second check is quicker. The phrases that give AI away. You’ve seen them in today’s fast-paced world. Let’s delve into unlock your potential. Nobody talks like that. And readers notice. The brief already told the AI not to use them, but some slip through anyway. So, I keep a short list in the paste file and I search the whole book for each one with controll and F. And there’s one. The counter at the top shows how many times it turns up. For each one, I either delete the phrase or I paste that paragraph back into the AI with a short rewrite prompt. It says, “Keep every fact, cut the filler, same length or shorter.” And I read the first line of every chapter out loud. If three chapters open the same way, I change two of them. Stage six, turning it into a book. The simplest route costs nothing. In Google Docs, I add a title page,

    make each chapter title a heading, and start each chapter on a new page. Here you can add images and illustrations to make things easier for your readers. Then Google Docs can build the contents page for me from those headings.

    And when it’s done, I download it as a PDF, open it, and check the page numbers in the contents match the real pages. Claude can also make a Word file or a PDF for you on its free plan. Just know that making files uses more of your usage limit than a normal chat. Now, if you want it to look like a designed book with a proper cover and layouts, there’s a tool called Designer that turns a document into an ebook. It’s a onetime price, $27 when I checked. Last stage, where to sell it? I looked at three places and checked their fees on the 7th of October. PayHip has a free plan. It takes 5% of each sale and PayPal or Stripe, whichever handles the payment, takes its own fee on top. Gumroad has no monthly fee either. It takes 10% plus 50 cents per sale and 30% if a buyer finds you through Gumroad’s own marketplace. The upside is that it handles sales tax for you and Amazon’s Kindle store. One rule worth knowing, if AI wrote the text, Amazon wants you to say so when you publish, even if you edited it heavily afterwards. If you only used AI to brainstorm or tidy up your own writing, you don’t have to. So, which one? If you want the smaller cut of the first two, PayHip’s free plan. If you want sales tax handled for you worldwide, Gumroad. And if you want Amazon’s shoppers, the Kindle store with that one box ticked honestly. Now, all that copying between chats, the brief, the summaries, the checks, it works, but it’s the slow part. So, I made a tool that does that part for you. It’s called Ebooksmith. It works with the AI you already use, Free Chat, GPT, Gemini, or Claude. For each chapter, it hands you a prompt that already carries the outline and a summary of every chapter written so far. You paste the reply back, and it checks the length and keeps the summary for the next one. You can also add images, links, etc., and export your document as PDF, doc, or text file. Then it goes through the whole book, the robot phrases, the points you’ve made twice, the facts you still need to check, and it lays it out as a proper PDF with a contents page that has real page numbers. It opens in your browser like an app. Nothing to install, and it works offline. The links in the description. So, that’s the whole route. A topic with one clear promise. A brief the AI can always see an outline you fix before writing. chapters in fresh chats with a running summary, a fact check on the real source, a search for the robot phrases, and a PDF from Google Docs. None of it needs a paid plan. It does need a few hours and a bit of copying between chats, and writing the book is only half the job. Getting it in front of people who want it is the other half. That’s a big topic of its own. Every prompt from this video is in the description. They work in ChatGpt, Gemini, or Claude. Swap in your topic, your reader, and your promise, and you can run the same steps today. If this was useful, subscribe. There’s more like this coming. Seven chapters, seven fresh chats, one book.