He is not not not not not not not doing this so you can earn supplemental income. This is a scheme for him to make money off of.

He is not done pressuring you. I repeat: he is not done pressuring you. You're going to get more pitches from him about how this is a great way for you to make money and how you're stupid, if you don't take this great opportunity. Stick your fingers in your ears and don't listen. It 100% pure baloney.

There's a bigger problem here. Of course you're not broke! I know that without knowing anything about you. He wouldn't be bothered with you, if you were broke. He knows you can lay your hand on some money, one way or another, especially since you do have credit. He's going to bug the heck out of you till you almost want to give him anything, or something, to ease the pressure. That's his plan, and he will be working it. This guy is not your friend and does not care about you. Find yourself a new friend and stop calling this man. He will never do anything for you, except figure ways to get money from you.

Go join a nice church. Find nice people to be with. This guy is a criminal. Get him out of your life by not talking to him.

When you show no interest on this scheme . . . watch . . he's going to come up with a new reason why you should give him some money. Eventually, you're going to have to break off contact with him, or have him bugging you and bugging you.