➡️ Join 321,000 people who read my free weekly newsletter: https://newsletter.scottdclary.com➡️ Like The Podcast? Leave A Rating: https://ratethispodcast.com/successstoryMarcus "Him500" Barney is a self-made multi-millionaire and founder of Recession Proof, one of the largest financial literacy programs in the U.S. Overcoming homelessness to build a multi-8 figure empire, he has mentored over 10,000 entrepreneurs on wealth creation and turning credit into cash. His diverse business portfolio includes real estate, Barney Aviation, and a nonprofit serving over 20,000 members nationwide, while his team generated $3.5 million in earnings in 2021 alone. Through his innovative approach to financial education and community building, Marcus continues to bridge the wealth gap and empower aspiring entrepreneurs to achieve financial freedom.➡️ Show Linkshttps://www.instagram.com/him500/ https://x.com/him500/ ➡️ Podcast SponsorsHubspot - https://hubspot.com/  Vanta - https://www.vanta.com/scott Federated Computer - https://www.federated.computer Lingoda - https://try.lingoda.com/success_sprintCornbread Hemp - https://cornbreadhemp.com/success (Code: Success)FreshBooks - https://www.freshbooks.com/pricing-offer/ Quince - https://quince.com/success Northwest Registered Agent - https://www.northwestregisteredagent.com/success Prolon - https://prolonlife.com/clary NetSuite — https://netsuite.com/scottclary/ Indeed - https://indeed.com/clary➡️ Talking Points00:00 – Intro01:28 – Marcus’s Rise from the Bottom06:20 – Credit Card Myths Busted09:33 – When to Use Credit vs. Cash13:38 – Why Schools Fail Us on Credit17:07 – Sponsor Break20:16 – Don’t Knock the 9-to-524:28 – Show Up, Learn, Grow27:59 – Credit & Crisis-Proof Businesses34:43 – Sponsor Break36:55 – Play the Long Game38:58 – Stop Moving the Goal Post43:30 – The Truth About Success44:37 – What to Do When Motivation Fades45:01 – A Painful Lesson You Should Avoid52:01 – Marcus’s Life Advice to His Kids