What’s good everybody — I want to start by introducing myself so you know who’s behind this community. My name is Dejon Hodges, founder of Next Gen Wealth Group. Over the years I’ve spent a lot of time studying how the financial system works — especially how lenders evaluate financial profiles, why some people get approved for opportunities while others get denied, and what actually separates strong financial positioning from weak financial structure. A big reason I understand this space the way I do is because earlier in my life I was around environments where people were constantly trying to figure out how financial systems worked — sometimes the wrong way. Being exposed to that showed me something important: most people don’t actually understand the system they’re operating in. A lot of people are guessing, repeating bad information, or learning the hard way. At a certain point I realized something though — if you take the time to actually understand how financial systems work and apply that knowledge the right way, you can create real opportunities for yourself and others. That realization pushed me to redirect my focus toward education, structure, and helping people build stronger financial foundations instead of trying to work around systems that were never designed to be shortcuts. That’s why I created this community. This group is basically going to function like a financial playbook / curriculum where I break down things most people were never taught about money, financial systems, and positioning yourself for bigger opportunities. Inside the community we’ll be covering things like: 📚 Understanding how lenders evaluate financial profiles 🧠 Building stronger financial habits and structure 💳 Learning how financial institutions actually think 📈 Positioning yourself for larger opportunities in business and life 🚀 Long-term financial growth and wealth strategy Think of this like a financial syllabus where I’ll be dropping lessons, breakdowns, and real-world insights that help you move smarter.

One of the biggest mistakes people make is focusing only on their credit score. Lenders look much deeper than that. They want to see a credit profile that demonstrates responsibility, consistency, and experience. 🔹 Keep Your Balances in Check How much of your available credit you’re using matters. The less you rely on your limits, the stronger your profile generally appears. Responsible usage signals financial discipline. 🔹 Make Every Payment Count Consistency is everything. Paying your accounts on time month after month shows lenders they can depend on you. A strong payment record is one of the most valuable assets on your credit report. 🔹 Build History, Don’t Rush It Strong credit takes time. Older accounts and a diverse mix of well-managed tradelines help establish credibility and show you’ve handled credit responsibly over the long term. The goal isn’t just to raise a score—it’s to create a profile that’s attractive to lenders. That’s exactly what we focus on inside Nex Gen Wealth Group. Every smart financial decision you make today puts you in a better position for tomorrow’s approvals. Stay patient. Stay consistent. Keep building. 💪 Drop a 💯 if you’re serious about leveling up your credit this month.

Your credit score isn’t what gets you approved. Your CREDIT PROFILE does. 💳 If you want to qualify for bigger limits, lower rates, and funding… focus on these 3 things: 1️⃣ Pay Everything On TimeLate payments destroy trust. Set up autopay or reminders and protect your payment history at all costs. 2️⃣ Keep Your Credit Utilization LowJust because you have the limit doesn’t mean you should use it all. Aim to report under 10% utilization whenever possible. Low balances = lower risk. 3️⃣ Build History, Don’t Restart ItLenders like consistency. The longer your positive accounts stay open, the stronger your profile becomes. Don’t rush to close your oldest accounts. 💰 Remember this: A strong credit profile gets approved.A weak profile gets questioned. Your job is to build the profile. My job is to help position you for funding when you’re ready. 🤝 Drop a 🔥 if you’re working on your credit this week, or DM me “AUDIT” if you want to know what’s holding your profile back.

What’s ONE move you’re committing to making before next Thursday that gets you closer to financial freedom? It could be: • ✅ Improve your credit • ✅ Pay off debt • ✅ Start your LLC • ✅ Open a new bank account • ✅ Apply for funding • ✅ Land a new client • ✅ Save your first (or next) $1,000 • ✅ Something else… Drop it in the comments. Next Thursday, I’m coming back to this post and checking in with everybody. No excuses. 👀💯

What's going on everyone! 🙌 Before you can get funded, your credit report has to LOOK fundable. Building that profile? That's YOUR job. Getting you approved? That's mine. 💪 Every strong, fundable profile stands on 3 pillars: 1️⃣ Low utilization Keep your balances small compared to your limits. The lower it reports, the stronger you look — and it's the fastest lever you control. 2️⃣ Clean payment history On-time, every time. This is the single biggest piece of your score. One late payment can set you back months, so protect that streak. 3️⃣ Depth + age Older accounts and more positive history = a profile lenders trust. Never close your oldest card, and let that good history season. Stack these 3 and you become someone the system WANTS to fund. Your job is to build the profile. My job is to get you funded. Which pillar do you feel strongest on right now — drop a 1, 2, or 3 below 👇