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Ball Out Like Jay-Z Through Better Credit

In honor of his new album 4:44, we here at Trifigo wanted to take a moment to tip our hats to the rap legend known as Jay-Z or Hov.

You might now be thinking,”Wait a minute, I thought Trifigo was about credit. What does Jay-Z have anything to do with that?” It’s a fair question and though at first the two may seem very unrelated, there are actually more correlations than you might think. Allow me to explain what we can learn by looking at the life of one of the best selling and most influential musicians in recent history.

Born Shawn Corey Carter on December 4, of 1969, Jay-Z grew up in the housing projects of Brooklyn known as Marcy Houses. There he and his three siblings were raised by their mother, Gloria.

From very early on it was apparent that young Carter big aspirations. According to his siblings, and much like another rap legend Eminem, he would spend a lot of his time working on rhymes. He would apparently spend hours studying words and even focused on a special dictionary to help him find words to rhyme. There were many nights where he would stay up late simply writing raps and working on beats.

As he developed his rap skills and his rapper name Jay-Z, which was actually an homage to his mentor Jaz-O, the only goal he had was to chase his dreams and prove to the world that he was as good as he knew himself to be. But even with his unrelenting determination and confidence, his journey wasn’t exactly a smooth ride.

Jay-Z had a rapping style that was extremely unique and different from what other rappers were doing during that era. Rather than a steady and rhythmic staccato of words, Jay-Z rapped somewhat off-beat and with a rapid barrage of words. 

Unable to get a deal with the major record labels, Jay-Z began his career selling CDs out of his car. Together with his friends Damon Dash and Kareem Biggs, they created and independent record label in 1995 known as Roc-A-Fella Records. After making a distribution deal with Priority Records, he released his debut album in 1996 titled Reasonable Doubt which would go on to reach number 23 on the Billboard 200 and later be included in Rolling Stone’s list of “500 Greatest Albums of All Time”.

His next album In My Lifetime, Vol. 1 went on to reach number 3 on the charts in the US with all subsequent albums reaching the highly coveted number 1 spot. The Jay-Z that came to be from this point on is probably the one that we’ve all come to know and love so I’ll spare you the details.

However to bring all this back to my point from earlier on how this relates to credit, here is what we can learn from this legend’s story. Jay-Z started from a very modest background. Not being Jay-Z myself I can’t say for sure but I would imagine that growing up he probably felt that his living conditions were less than ideal, which is how some of us may be feeling about our credit today. If that is the case, take note of Jay-Z and his determination.

By keeping his end goal in mind every day and never letting that dream die, he was able to persevere and become one of the biggest names in the history of rap. Perhaps you can liken his dream to your ambition to have a better credit score or achieving a major financial goal. Granted, you may not aspire to have a “legendary” score but the fact that you’re reading our blog today probably means you’d like to have credit that’s better than what you have today and that’s a good thing. Keep that goal in mind everyday and never lose sight of it. Recognize what you need to do and “hustle” when you have to, so that you can turn your vision into a reality.

The importance of credit cannot be overemphasized and Jay-Z himself is one to admit this in the new album. In “The Story of O.J.” he asks, what’s more important than throwing away money at a strip club? Credit.

Even more he evangelizes the idea of appreciating assets in the same song. He proclaims that as a man who has bought every V12, he looks back and wishes he would have invested instead $2 million in a building that would today be worth 25. How is he feeling about that? Dumbo.

He goes on to say that financial freedom is his only hope and that he’s no longer about living rich and dying broke. He talks about having bought an art piece at $1 million to see it worth $2 million 2 years later. Jay-Z now looks forward to the day when he can pass that art piece on to his children because in a few years he knows it can grow to be worth a possible $8 million.

In a sense, we can all be like Jay-Z. We may not quite be where we want to be just yet, but with enough effort and dedication, it’s completely feasible for us to get to where we want. The key words there being effort and determination.

For practical tips and advice on how you can realistically improve your credit score, subscribe to our blog so that one day you too can ball out like Jay-Z. We’ll give you a million dollars worth of credit knowledge for free.99.

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