In the book called "The Automatic Millionaire" By David Bach he mentioned a term called the "Latte Factor". The importance of the Latte Factor is crucial to know. What is the Latte Factor? The Latte Factor is a frivolous spending tracker to help you track how much you've spent over the course of time you decide to track, that can give you a look of how much you've spent, that can add up over the course of 30, 60, 90 days up to years if you wanted to see that number. To keep it brief frivolous spending can cost you a fortune! If you found this brief explanation of the Latte Factor interesting drop a comment and a 🔥and let me know if you would like to see a chart of the Latte Factor in action!

Family, inside Sacred Wealth we talk a lot about positioning yourself to receive funding, not chase it. Today, I’m excited to introduce a product designed to do exactly that—the Working Capital Loan, a fast, flexible, no-excuse funding solution for entrepreneurs who need cash flow now to grow, stabilize, or scale their business. A Working Capital Loan is short-term business financing used to keep operations running smoothly covering everything from payroll and inventory to rent, supplies, marketing, and unexpected expenses. Whether you’re bridging seasonal slowdowns or capitalizing on new opportunities, this is the type of funding that keeps your business moving forward. BENEFITS - ⚡ Same-Day Funding — Get approved and funded quickly so you don’t miss opportunities. - 📆 Terms Up to 10 Years — Flexibility to grow without pressure. - 💰 Funding Up to $5 Million — Capital that matches your ambition. - 🔒 No Collateral Required — Your business can qualify without tying up assets. - ♾️ No Restrictions on Use of Funds — Marketing, payroll, expansion, equipment—YOU choose - 📝 Simple Application + No-Cost Advisor — You get support at every step with zero fees. Credit challenges do not disqualify you — this is built for real-world entrepreneurs. 📄 Paperwork Needed Only TWO items: - 🖊️ Signed Application - 🏦 Recent 6Months of Bank Statements That’s it. You can find the full module here #580 Fico Same Day Funding For Biz Owners and the direct link to work w/ my team to accomplish a fast funding round here https://bit.ly/wrkingcapital

Last night we stopped talking about who you’re becoming…and started looking at the proof. Because lenders don’t approve intentions.They approve patterns. We broke down what it really means to move from inspiration into an operating system — the Steward mindset that shows up in your bank activity, your credit behavior, and your daily discipline. Key takeaways from tonight: - Identity is not what you say. It’s what you repeatedly do. - Your credit report is a behavior report. - Your bank statements tell a story about you. - You don’t become fundable when you apply… you become fundable in the 30 days before you apply. - Wealth and access are attracted to people who can be trusted with small disciplines. We introduced The Sacred Wealth Daily 5 as identity evidence: 1. Check and manage your credit profile 2. Add positive data 3. Nurture a banking/credit relationship 4. 10 minutes of wealth education 5. One action your future self would thank you for This is where Survivor and Hustler stop… and Steward begins. Your 7-Day Steward Challenge starts today, NO excuses. No skipped days. Just evidence. When you watch this replay, don’t just listen.Audit yourself. Ask: “If a lender reviewed my last 14 days… what would they see?” Drop in the comments after watching: - One thing you’ve been doing that a Steward would do - One thing you’re eliminating starting tomorrow Let’s make our lives make sense to a lender.

The Upgrade OneCard will guarantee your starting credit limit before approval. With just a soft credit pull you can see how much money you can get upfront before accepting the offer. Your credit score stays in perfect condition until you’re ready to pull the trigger. And soon you’ll see how i got pre-approved for $42,000 in credit with Upgrade, a hack for boosting your limit by $5,000 anytime you want, and the 4 deal breakers that could make this card a hard pass for you. See Your Credit Limit Before You Apply I was sitting at my desk with my coffee, just casually checking out Upgrade’s site. I wasn’t even sure I was going to apply — I was just curious. Then BAM 💥 — I was pre-approved for an $8,800 credit limit. No hard pull. No commitment. Just a clean number staring back at me like, “Hey, this is yours if you want it.” That was over a year ago… and guess what? That feature still works like magic in 2025. - You can see exactly how much Upgrade is offering you — upfront — before committing to anything 🔍 - It’s a soft pull, so it won’t ding your score. - And if the offer’s not worth it? Just close the tab and walk away. - ✅ They pull from TransUnion — so if your TU file is your strongest, this is your best chance. Pay Now vs. Pay Later? Upgrade works totally different than what you’re probably used to — and honestly, that’s not always a good thing. Most credit cards just let you swipe and worry about it later. But with Upgrade, you’ve gotta decide up front (or really soon after) how you want to pay — and that extra step can catch people off guard. Here’s how it works: 🟢 Pay Now = Like a debit card Imagine going out for lunch, swiping your card, and the money coming out of your bank account the next day. That’s Pay Now. And there’s No interest. Ever. - You can link it to Upgrade’s Rewards Checking account, or even your everyday account with Chase, Bank of America, Wells Fargo, etc. 🟠 Pay Later = Like a mini loan Say you need to buy something bigger — a new laptop, a couch, or fixing your car. Instead of emptying your bank account all at once, you can choose to break that purchase into monthly payments.

Every aspect of the funding process is now documented and will be recorded for Fundops Members! I am so proud of how hard we worked to clean this up where you have clarity before meeting with the Relationship Managers from the banks! We will review during your funding prep call and deliver all docs to clients as necessary ❤️🚀⚔️ P.S. We added Wells Fargo’s Business Line of Credit to all members whose business is generating revenue