Most Americans are quietly bleeding credit score points - not because they're irresponsible… but because they're uninformed.In this jaw-dropping episode of Stacks Over Tax, credit expert Randy Lambeth exposes the lies you've been fed by social media "gurus," banks, and even your CPA.He breaks down the 311 Rule - a simple, replicable strategy that can add up to 165 points to your credit score without ever paying a dime of interest. You'll learn how credit cards are scored, why your debit card is a financial landmine, and what actually triggers lenders and insurers to punish you - even if you pay everything "on time."If you've ever wondered why you can't get approved, why you're stuck with personal guarantees, or why your premiums are sky-high… this is the episode that explains it all.Time Indexes:00:00 – You never have to pay interest to have great credit01:15 – Welcome + Randy's quick story02:00 – What is the 311 Rule?04:00 – Why 3 major cards is the minimum for max FICO score06:00 – Common mistakes with utilization and due dates08:20 – Reporting date vs due date: why you're getting crushed09:40 – How to find your card's actual report date11:10 – Why FICO doesn't care about your income or net worth14:15 – The hidden cost of having "poor" credit16:30 – Real-world examples: gas, insurance, and groceries19:45 – Debit card nightmares that lead to bankruptcy22:00 – Entrepreneurs: why you're setting up your accounts wrong24:00 – The autopay trick to building perfect credit effortlessly26:30 – Story: billionaire with a G6 jet hired Randy over a missed payment29:00 – Why fraud protection with debit cards is almost non-existent32:00 – Prepaid cards, limited debit solutions, and how to start35:00 – Final stories and closing creditsWant your credit to actually work for you - not against you?Visit www.executivemoneystrategies.com to start protecting your money, eliminating risk, and building a legacy that doesn't depend on luck or gimmicks.To Find Rondi go to:http://www.rondilambeth.com

They tell you to follow your passion… chase your dream… start a business and live free.What they don't tell you?It might break you.Not just your bank account. Your body, your sanity, and your relationships.In this raw, unscripted episode of Stacks Over Tax, Randy Lambeth, Mark Lewis, and Sterling Grace rip the mask off the entrepreneurial dream and expose what it really takes to build something from the ground up - especially if you've come from trauma, poverty, or nothing at all.This isn't motivational fluff. This is about:Why pain makes the best entrepreneursWhy 97% never hit 7-figuresAnd why not everyone should start a businessIf you're already in the game - or about to quit your job to "go all in" - watch this first.Time Indexes:00:00 – Should you even be an entrepreneur?01:00 – Randy's first hustle at age 501:40 – Abuse, shelters, and survival selling02:30 – The 3% club: who really makes it03:15 – The two paths: abuse as anchor or rocket fuel04:10 – Sterling's story: feeding dogs to survive06:00 – Work as part of life, not separate from it07:00 – "You'll get kicked in the balls daily" – reality check08:00 – Why it's worth it anyway09:00 – How entrepreneurs give back when they win10:00 – Surprise live audience11:00 – The truth about Randy's heart attack12:30 – Losing $100K/month, rebuilding with Mark & Sterling14:00 – From 80-hour weeks to 2 hours/week15:00 – Final gratitude and how to connectCTA:If you're building a business and want to stop losing sleep over taxes, lawsuits, or legacy…You don't have to do it alone.Visit www.executivemoneystrategies.com to protect what you're building - and maybe save your life in the process.

What if your path to financial freedom began with a secret so dark, it could never be spoken aloud?In this gripping episode of Stacks Over Tax, we sit down with Rondi Lambeth - a man who went from being abused, broke, and homeless… to mentoring under a mortician… to building a multi-million-dollar empire helping others fix their credit and reclaim their lives.His journey is raw. It's real. And it exposes the parts of the American system most "financial professionals" never talk about - the credit traps, the debt collectors that push people over the edge, and the brutal truth behind personal guarantees and business loans.If you're a business owner trying to climb out of a hole - or just trying to make sure your structure doesn't bury you later - you need to hear what Rondi says about:00:00 – Rondi's shocking origin story01:05 – Escaping abuse and poverty03:09 – The mortuary job that changed everything05:00 – The secret room and the start of a new life07:02 – Respect, mentorship, and learning to keep money10:00 – How to think like a wealthy entrepreneur13:04 – There is no finish line: mindset for resilience16:06 – Firefighting, tragedy, and deeper trauma20:00 – The loss that turned Rondi's mission into a movement23:00 – Building a credit repair business from scratch26:00 – Credit card mistakes business owners make29:00 – Why you're stuck with personal guarantees - and how to beat them31:00 – Final words and where to startIf you've ever wondered whether you're one mistake away from losing everything - you are. But you don't have to be.Watch this episode. Then take action.Visit www.executivemoneystrategies.com to start protecting what's yours.