Latest / The Table with Anthony ONeal / 55% of Americans Are Getting Poorer in 2026... The Other 45% Are Doing THIS!

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55% of Americans Are Getting Poorer in 2026... The Other 45% Are Doing THIS! · The Table with Anthony ONeal

0:00
[SPEAKER_00]: I want to start today's show with a number that should be, that shit stop you dead in your tracks.
0:08
[SPEAKER_00]: 55 is a number.
0:10
[SPEAKER_00]: 55 percent.
0:12
[SPEAKER_00]: 55 percent of Americans just told Gallup that their financial situation is getting worse.
0:19
[SPEAKER_00]: Not staying the same.
0:21
[SPEAKER_00]: It is honestly getting worse.
0:23
[SPEAKER_00]: That is the highest
0:29
[SPEAKER_00]: Gallup has ever recorded.
0:31
[SPEAKER_00]: Since they started tracking it in the year of 2001, higher than a pandemic, higher than a 2008 recession, higher than anything we have seen in the last 25 years.
0:44
[SPEAKER_00]: And here's the question that I want to ask you today.
0:49
[SPEAKER_00]: If 55% of Americans are getting poor right now, what are the other 45% doing?
1:01
[SPEAKER_00]: because I used to be in the 55%.
1:04
[SPEAKER_00]: Some of you all watching used to be in the 55%.
1:09
[SPEAKER_00]: But let's be honest.
1:11
[SPEAKER_00]: I am now in the 45% and the majority of you all are still in the 55%.
1:16
[SPEAKER_00]: And I'm gonna tell you exactly how I got from the 55% bracket of people and to this bracket to freedom.
1:27
[SPEAKER_00]: Listen, if you move to the community to the show, welcome to the table with your boy Anthony O'Neill, some call me Anthony O'Neill a lot called me A.L.
1:36
[SPEAKER_00]: And today we're going to be talking about the five things, the five things that separate the people who are quietly building those from the people who are quietly drowning in struggling in 2026, but they still look good.
1:50
[SPEAKER_00]: They still look good.
1:52
[SPEAKER_00]: So, before I give you the five things, I need you to understand exactly how bad it is out here.
1:58
[SPEAKER_00]: Indeed, you're not in the States of America.
2:00
[SPEAKER_00]: For my people in Ghana and Canada, this is not gonna really be for you today, but you could still learn.
2:06
[SPEAKER_00]: But for my people in the United States of America, if you are feeling like you are losing, you are honestly not crazy.
2:15
[SPEAKER_00]: You're not making it up.
2:16
[SPEAKER_00]: That data is backing you.
2:19
[SPEAKER_00]: Gallup just dropped this poll at the end of last month, April 20, 26, 55% of your peers say their finances are not getting better, their finances are getting worse.
2:33
[SPEAKER_00]: 61% say the economy is not working well for them.
2:37
[SPEAKER_00]: Personally, period 28% are now worried about paying just the minimum
2:48
[SPEAKER_00]: That number is up 11% while 11% is points since 2021.
2:56
[SPEAKER_00]: One out of every three Americans was late paying a bill last year in 2025.
3:03
[SPEAKER_00]: For working class Americans,
3:09
[SPEAKER_00]: It is 42% almost half.
3:14
[SPEAKER_00]: 67% of Americans now say they are more afraid of running out of money than they are dying.
3:26
[SPEAKER_00]: I want to say that one was up.
3:29
[SPEAKER_00]: I want to say one was up.
3:32
[SPEAKER_00]: 67% of Americans are saying that they are more afraid of running out of money than they are dying.
3:40
[SPEAKER_00]: Let they sit there for just a second.
3:48
[SPEAKER_00]: People more afraid of being broke.
3:52
[SPEAKER_00]: Then they are leaving their families, leaving their loved ones, leaving their children.
3:58
[SPEAKER_00]: That is where we are as a country.
4:05
[SPEAKER_00]: And I'm not telling you this to scare you, to depress you.
4:09
[SPEAKER_00]: I'm telling you this.
4:11
[SPEAKER_00]: So you understand, this is not a you problem.
4:16
[SPEAKER_00]: This is a systems problem.
4:18
[SPEAKER_00]: And the people on the other side, the 45% who are okay, they are not okay because they make more money.
4:26
[SPEAKER_00]: Watch this, they are okay because they run a different kind of system.
4:36
[SPEAKER_00]: I want to give you five things, if you have any distractions, get rid of them.
4:42
[SPEAKER_00]: If you need to pause this video and come back to me later on this evening, come back to me tomorrow morning, come back to me a little bit later on, do that.
4:49
[SPEAKER_00]: I need you to get this information.
4:51
[SPEAKER_00]: I need you to get this information, because I got five things.
4:54
[SPEAKER_00]: I need you to write them down.
4:59
[SPEAKER_00]: five things.
5:01
[SPEAKER_00]: I need you to write them down.
5:03
[SPEAKER_00]: Here's thing number one.
5:05
[SPEAKER_00]: Let's start there.
5:06
[SPEAKER_00]: The 45% gave their money a mission.
5:10
[SPEAKER_00]: Every single dollar, every single month, I talk about this in detail inside of my brand new book, Stop Lipping Page at the paycheck.
5:17
[SPEAKER_00]: This is a whole chapter called give your money a mission and the principal is simple.
5:24
[SPEAKER_00]: If you do not tell your money where to go,
5:29
[SPEAKER_00]: And it's usually somewhere, we all regret.
5:34
[SPEAKER_00]: Let's be honest, let's get, can we be real?
5:39
[SPEAKER_00]: Can we be real?
5:40
[SPEAKER_00]: When I look at where my money went, sometimes I regret it.
5:47
[SPEAKER_00]: Brothers, how much money have we spent on ladies?
5:49
[SPEAKER_00]: And we don't even talk to them anymore.
5:53
[SPEAKER_00]: We be the black them or they blocked us.
5:56
[SPEAKER_00]: or neither or, we didn't block you, tell them but we just moved on with life.
6:00
[SPEAKER_00]: How many times ladies have you purchased something and it's said in a closet and you still got the price tag on it?
6:08
[SPEAKER_00]: You never wore the dress, you never wore the shoes.
6:11
[SPEAKER_00]: How many times are we purchased a car that we know we should not have purchased?
6:17
[SPEAKER_00]: You see the 55% wake up on this wake up on the first of the month.
6:24
[SPEAKER_00]: Every single month and they're hoping the month will work itself out.
6:28
[SPEAKER_00]: They check their bank account on the 25th and wonder where did all my money go?
6:35
[SPEAKER_00]: You see, the 55% are reactive.
6:37
[SPEAKER_00]: The 55% are guessing.
6:38
[SPEAKER_00]: The 55% of people are hoping.
6:43
[SPEAKER_00]: but hope is not a strategy.
6:46
[SPEAKER_00]: You see, the 45% who are okay, they sit down at the in a every single month before the month starts and they write down every single dollar of income and they assign every single dollar to a category.
7:02
[SPEAKER_00]: What are the top categories?
7:03
[SPEAKER_00]: Is 45% of work going on?
7:04
[SPEAKER_00]: Giving.
7:06
[SPEAKER_00]: They're generous people saving, they're saving for themselves, they're giving back to themselves, investing, they're investing into their future bills, they're paying their mandatory bills on time.
7:17
[SPEAKER_00]: Boo, they got to eat, we got a fuel our body, gas for transportation, and then honestly, fun money.
7:25
[SPEAKER_00]: I enjoy nice things, I got a Gucci shirt on.
7:28
[SPEAKER_00]: I like nice things, but this Gucci don't come before I tie.
7:31
[SPEAKER_00]: This Gucci don't come before I pay my mortgage.
7:35
[SPEAKER_00]: Every single dollar has a name, before the month begins, not after, but before.
7:43
[SPEAKER_00]: And I call this your monthly money vision.
7:47
[SPEAKER_00]: It is the single most powerful financial habit anybody can build.
7:53
[SPEAKER_00]: And I personally use the in the black app to track mine every single month.
7:59
[SPEAKER_00]: It is AI power, it automatically does my zero-base budget, it automatically would do, you know, your debt snowball if you're in debt, it would even tell you because it connects to your bank accounts and to your investment accounts, are you on track to hit your financial goals?
8:13
[SPEAKER_00]: And if you do not have it yet, all you got to do is go to anthonyoneau.com for slash app or the link is inside the show description.
8:21
[SPEAKER_00]: but you gotta get on a plan.
8:25
[SPEAKER_00]: And here is what I need you to hear.
8:28
[SPEAKER_00]: Income, Washington is not the issue.
8:32
[SPEAKER_00]: 40% of households earning over $100,000 a year still live paycheck to paycheck.
8:39
[SPEAKER_00]: 40%.
8:40
[SPEAKER_00]: 40%.
8:40
[SPEAKER_00]: 40%.
8:52
[SPEAKER_00]: Because here's, here's what I've learned as I've been truly involved is not about how much money we make.
8:57
[SPEAKER_00]: It is whether you have a mission, a vision, a system, a strategy for what you make.
9:06
[SPEAKER_00]: Is he income without discipline, solves absolutely nothing?
9:15
[SPEAKER_00]: Check this out, family.
9:16
[SPEAKER_00]: Did you know that nearly four in 10 Americans still have zero money invested in the stock market?
9:23
[SPEAKER_00]: That's a gap where wealth is filled or missed.
9:27
[SPEAKER_00]: If you're just saving, you're falling behind because the market's average close to about 10% a year for a century.
9:34
[SPEAKER_00]: While your savings account is barely keeping up with inflation.
9:38
[SPEAKER_00]: I want to make this plan.
9:39
[SPEAKER_00]: If you wait just five years to start investing, you could lose out on hundreds of thousands of dollars in future wealth.
9:46
[SPEAKER_00]: That's not hype.
9:47
[SPEAKER_00]: That's real math.
9:47
[SPEAKER_00]: The wealth is 10% of Americans now own over 90% of all stocks, because they started and they stayed consistent.
9:56
[SPEAKER_00]: But here's the thing, you don't need to be rich to honestly get inside of the investing game.
10:01
[SPEAKER_00]: With platforms like so-fi and best public and new move, you can open the account today.
10:06
[SPEAKER_00]: Start with as little as a dollar, literally, and buy fractional shares of the same assets that have built generational wealth for millions.
10:14
[SPEAKER_00]: No commissions, 100% no excuses on your area.
10:17
[SPEAKER_00]: Listen, I need you to hear me clearly, stop sitting on a sideline.
10:20
[SPEAKER_00]: Go to anthonyomil.com for session best right now to compare the top investment platform that open your first investing account today.
10:29
[SPEAKER_00]: Your future selves and your children's children, we're thank you for taking action right now.
10:34
[SPEAKER_00]: We have to start building well, not just watching others get rich.
10:40
[SPEAKER_00]: Do not let another year go by, as a matter of fact, don't let another day go by, take the first step found it.
10:46
[SPEAKER_00]: Visit anthonyonell.com for sacking best.
10:49
[SPEAKER_00]: Let's get to work.
10:50
[SPEAKER_00]: Let's start investing ASAP.
10:52
[SPEAKER_00]: Let's get back to the show.
10:54
[SPEAKER_00]: thing too, thing number two, and this one comes early for a reason.
11:02
[SPEAKER_00]: Because if you do not get this part right, every other thing on this list is going to fail you eventually.
11:09
[SPEAKER_00]: You see the 45% merit, the vision, watch this, and date it, the method.
11:15
[SPEAKER_00]: If you're watching this live, I need you to put this side and put this inside the chat, I need you to marry the
11:23
[SPEAKER_00]: Let me, let me, let me, let me break this down let me slow down let me explain this you see what's the vision freedom my book is not a It's not a money book my book is a freedom book What's the vision piece what's the vision is the life you want to live 10 years from now five years from now Hell 30 years from now
11:47
[SPEAKER_00]: The vision is being able to retire at the time you choose.
11:51
[SPEAKER_00]: The vision is being able to take your kids to school and pick them up for schooling, you don't have to work two or three jobs.
11:59
[SPEAKER_00]: The vision is being able to do what you want to do, when you want to do, how you want to do it, whenever you want to do it.
12:06
[SPEAKER_00]: The vision is being able to bless your children and grandchildren with something that you never had handed to you.
12:14
[SPEAKER_00]: The vision is being able to write a check to your church.
12:19
[SPEAKER_00]: Took to a cause.
12:23
[SPEAKER_00]: To a family member that's in need, to a friend that's in need, without it changing anything in your personal life.
12:31
[SPEAKER_00]: I recently had a friend of mine recently went through something and this particular friend asked me for a large lump sum of money and instantly because of my generosity spirit I was like yeah, I got you.
12:49
[SPEAKER_00]: I sent the check.
12:50
[SPEAKER_00]: It was for one of their family members.
12:52
[SPEAKER_00]: I sent the wire.
12:54
[SPEAKER_00]: And in this particular friend said, I'll pay you back.
12:56
[SPEAKER_00]: And I was like, no, I didn't give it to you with the expectation of it coming back.
12:59
[SPEAKER_00]: I gave it to you because that's my seat.
13:02
[SPEAKER_00]: That is my seat into my generosity spirit.
13:05
[SPEAKER_00]: Why?
13:05
[SPEAKER_00]: Because I'm on a 45% side.
13:07
[SPEAKER_00]: And I'm in a position to where I could be a blessing.
13:10
[SPEAKER_00]: Because see, see, see, see, see, I'm going off.
13:12
[SPEAKER_00]: But I'm gonna come back.
13:14
[SPEAKER_00]: You see, I understand the true multiplication when it comes to my investment is not really inside of a Roth IRA.
13:22
[SPEAKER_00]: It is inside of me giving and planting a seed and knowing that God can trust me with more.
13:28
[SPEAKER_00]: So he gave it to me to be a blessing and from my family, but to also be a blessing.
13:33
[SPEAKER_00]: So when this particular friend of mine asked me for this money, here you go, I didn't give it to that particular person, to that particular family.
13:42
[SPEAKER_00]: I gave it to God, I sold seed at the God.
13:46
[SPEAKER_00]: That's division.
13:48
[SPEAKER_00]: I want to be in a position to where I give
13:52
[SPEAKER_00]: not have to beg others to help me.
13:55
[SPEAKER_00]: The method though is the budget.
13:57
[SPEAKER_00]: The method is the side hustle.
13:59
[SPEAKER_00]: The method is the specific 401k allocation.
14:03
[SPEAKER_00]: The method is the spreadsheet or the envelope system or the strategy, I would say, yeah, yeah, yeah, yeah, I like that one or no, here we go, let me say this.
14:14
[SPEAKER_00]: Methods change.
14:16
[SPEAKER_00]: Methods can sometimes evolve.
14:20
[SPEAKER_00]: Methods get better as you grow, as you get better.
14:24
[SPEAKER_00]: Methods are tools and tools are supposed to serve who you and I are ourselves.
14:31
[SPEAKER_00]: You are not supposed to serve them.
14:36
[SPEAKER_00]: The 55%.
14:39
[SPEAKER_00]: They married a method.
14:41
[SPEAKER_00]: They got attached to one budget system that did not work for them.
14:46
[SPEAKER_00]: They got attached to that one job that was killing their spirit.
14:52
[SPEAKER_00]: The 55% got attached to one way of doing things that stopped serving them five years ago.
15:00
[SPEAKER_00]: And when that method failed, they thought the vision failed.
15:08
[SPEAKER_00]: 55% quit on themselves, they said, I tried that already.
15:14
[SPEAKER_00]: That doesn't work for me.
15:16
[SPEAKER_00]: I am just not good with money, and that lie sticks for years.
15:24
[SPEAKER_00]: Sometimes, if I be an honest with you, based on my experience and seeing things for decades, sometimes forever.
15:34
[SPEAKER_00]: But you see, when you come over here to the 45% side of things, the 45% stay locked in on the vision, freedom, peace, legacy, and they update the method as they grow.
15:50
[SPEAKER_00]: If a budget system is not working for you, then change it.
15:54
[SPEAKER_00]: If a side hustle is not paying, uh, then pivot, if a strategy stops fitting
16:04
[SPEAKER_00]: but they never lose sight of what they started and where they're going.
16:11
[SPEAKER_00]: I need you to do me a favor, write this down, write this down, write this down, some will put it in the chat if you're watching this live, marry the vision, date the method.
16:23
[SPEAKER_00]: If you internalize that one phase, you will save yourself 10 years of false starts.
16:34
[SPEAKER_00]: Meridivision, but date the method.
16:37
[SPEAKER_00]: Meridivision, but date the method.
16:40
[SPEAKER_00]: Meridivision, but date the method.
16:43
[SPEAKER_00]: Family, can I be real with you for a quick second before we get into today's episode?
16:47
[SPEAKER_00]: Let's be honest, gas just hit over $5.8.
16:51
[SPEAKER_00]: ground beef is over $6 a pound.
16:56
[SPEAKER_00]: Home prices are up almost 70 to 80 percent in some cities.
17:02
[SPEAKER_00]: In almost 870 people, this year alone have lost their jobs every single day.
17:09
[SPEAKER_00]: If you feel like you're working harder than you ever have and still fall in behind, you'll be honest with you.
17:15
[SPEAKER_00]: You are not crazy and you are not failing, but the system I have to be honest is broken.
17:20
[SPEAKER_00]: You are not the person who is broken.
17:22
[SPEAKER_00]: I need you to listen to me a little bit.
17:24
[SPEAKER_00]: I honestly do not come from a financially wealthy family.
17:28
[SPEAKER_00]: I come from a hardworking, Christian bone-of-buy family, and I firmly, I firmly do believe everyone watching this works hard, too.
17:37
[SPEAKER_00]: But hard work without a proven plan does not get us anywhere anymore.
17:42
[SPEAKER_00]: This is why I have spent the last five years building this plan.
17:46
[SPEAKER_00]: And this is my brand new book, Stop Living paycheck to paycheck.
17:50
[SPEAKER_00]: This is the system I wish I had when I was falling behind in life and living paycheck to paycheck live because it worked no matter what is happening and it's economy no matter what is going on in your life because this is not just a money book this is a freedom.
18:06
[SPEAKER_00]: I need you to pre-order today and get over $275 in free bonuses, but you have to add for August 20th.
18:15
[SPEAKER_00]: This is all you're going to do is go to www.anthonyonil.com forward slash look.
18:19
[SPEAKER_00]: Again, that is anthonyonil.com for slash book.
18:22
[SPEAKER_00]: The link is right below in the description.
18:25
[SPEAKER_00]: I'm going to help everyone, all of my family members get free together.
18:30
[SPEAKER_00]: Go to www.anthonyonil.com for slash book.
18:33
[SPEAKER_00]: Let's get back into today's show.
18:34
[SPEAKER_00]: Thing number three.
18:37
[SPEAKER_00]: And this one, this one, I would say, almost nobody in a person of finance space is teaching and talking about.
18:44
[SPEAKER_00]: You see, the person, I would say, the 45% hold family wealth meetings.
18:49
[SPEAKER_00]: Uh-oh, yeah, we gonna go there today.
18:53
[SPEAKER_00]: let's go there.
18:53
[SPEAKER_00]: Let me tell you a quick story from my book, Stop Live in Page at the paycheck.
18:58
[SPEAKER_00]: As a matter of fact, if you want to get it, please go to antinoino.com for slash book.
19:02
[SPEAKER_00]: I'll get a copy of the book.
19:04
[SPEAKER_00]: What's talking about that a bit later on?
19:06
[SPEAKER_00]: But a few years ago, I started noticing something about my wealthy light friend.
19:14
[SPEAKER_00]: It's in the respectful way.
19:15
[SPEAKER_00]: And these were people who were worth, I was saying anywhere between 25 million or
19:21
[SPEAKER_00]: I mean, one of them is a billionaire.
19:23
[SPEAKER_00]: See, every Christmas, they would disappear.
19:26
[SPEAKER_00]: Not just travel, but they would disappear.
19:29
[SPEAKER_00]: No social media, no calls, no text messages, no emails, completely off the grid.
19:35
[SPEAKER_00]: If I'll say about three to five days, the average is three, the billionaire friend is going off about five.
19:41
[SPEAKER_00]: So I finally asked them, what are you doing?
19:47
[SPEAKER_00]: After Christmas.
19:47
[SPEAKER_00]: Like, you just completely disappear.
19:51
[SPEAKER_00]: What are you doing that makes you unplugged completely and one of them hit me and he said man, we're at our parents place That is where we review the family and in my head.
20:04
[SPEAKER_00]: I was like review the family what what what do you mean?
20:11
[SPEAKER_00]: Like in my head.
20:11
[SPEAKER_00]: I was like yo everything's right Like
20:16
[SPEAKER_00]: I mean, I like a mafia's online, or like you straight.
20:21
[SPEAKER_00]: And he laughed and he explained to me, you know, after the day one, the whole family bonds.
20:27
[SPEAKER_00]: Man, will we make a scheme?
20:29
[SPEAKER_00]: We're going to barbecue together or cook in the kitchen together like literally from grandparents to me, to my kids.
20:36
[SPEAKER_00]: I mean, we're all in the kitchen as having a good time.
20:40
[SPEAKER_00]: Then at night, they sit in the main room, and the question is, what is going on in your family?
20:46
[SPEAKER_00]: And how can we pray for you?
20:49
[SPEAKER_00]: Everybody, every family takes a turn of just saying what's happening.
20:53
[SPEAKER_00]: Every household shares the winds and honestly, the struggles, then day two, they have fun again.
21:00
[SPEAKER_00]: And then that evening, they hold a financial meeting.
21:04
[SPEAKER_00]: The parents will go first.
21:06
[SPEAKER_00]: They share the financial picture, investments, cash flow, real estate, reserves, life insurance, and beneficiaries, any updates on the trust, then the siblings, the parents children, was shared.
21:20
[SPEAKER_00]: And then the grandchildren quote will even share, even at the teenagers, a little kids, they would have a teenager appropriate talk about what kind of business they are interested in.
21:34
[SPEAKER_00]: If they're looking at going to school, what's their degree, and why do they want to go to school?
21:39
[SPEAKER_00]: And one of them hit me with something I was so cool, man, my, his father, which is the grandfather, was like, he challenged his grandson, his son, on going to a four-year university.
21:50
[SPEAKER_00]: who's like, right now, trays are paying quicker and it costs us less money to go to it.
21:56
[SPEAKER_00]: That's the way away.
21:57
[SPEAKER_00]: Your dad is worth hundreds of millions of dollars.
22:02
[SPEAKER_00]: He's concerned about spending a quarter million dollars on school.
22:06
[SPEAKER_00]: He said, absolutely not.
22:08
[SPEAKER_00]: But that's why my dad is rich.
22:10
[SPEAKER_00]: Why pay a quarter million dollars a school when we can send you to this trade school?
22:14
[SPEAKER_00]: My son really loves his hands.
22:16
[SPEAKER_00]: He can get that education from maybe $10,000.
22:20
[SPEAKER_00]: And we can teach him how to start that business and turn into a million.
22:23
[SPEAKER_00]: That's the best return on investment.
22:27
[SPEAKER_00]: Y'all, this is what wealthy people do.
22:32
[SPEAKER_00]: I might end his brilliant.
22:34
[SPEAKER_00]: They communicate.
22:36
[SPEAKER_00]: They help each other and they strategize.
22:38
[SPEAKER_00]: They build a team out of their family.
22:41
[SPEAKER_00]: They're building a whole corporation, a whole board, meeting from their family.
22:48
[SPEAKER_00]: And can we be honest?
22:50
[SPEAKER_00]: Most of us were never taught any of this.
22:53
[SPEAKER_00]: Let me go deep.
22:56
[SPEAKER_00]: Black people?
22:58
[SPEAKER_00]: We don't even have relationship with half of our family members.
23:06
[SPEAKER_00]: We ain't even talking to mama, we ain't even talking to daddy, we ain't even talking to brother, we ain't even talking to sister, the Bible says what, when two or three gather within his name, but we want to do a bar of sales, I don't need mama, I don't need daddy, I don't need brother, I don't need sister, I don't need auntie, I don't need cousin, okay, here, here is a step.
23:28
[SPEAKER_00]: that should wake every parent watching this up.
23:32
[SPEAKER_00]: The great wealth transfer is happening literally right now.
23:36
[SPEAKER_00]: Between 2023 and 2048, 124 trillion dollars is being passed down from baby boomers.
23:45
[SPEAKER_00]: to millennials and Gen Z, 124 trillion dollars, but 70% of wealthy families lose that wealth by the second generation.
23:57
[SPEAKER_00]: And 90% 90% lose it by the third generation.
24:02
[SPEAKER_00]: Why is this?
24:03
[SPEAKER_00]: It is not bad investments.
24:06
[SPEAKER_00]: It is not the economy.
24:08
[SPEAKER_00]: It is the lack of communication and the lack of trust
24:15
[SPEAKER_00]: The 55% does not talk about money with their spouse.
24:18
[SPEAKER_00]: I know I'm going there with one of my family members right now.
24:23
[SPEAKER_00]: This particular family member allowed the other particular family member, the other spouse to control all the money, they did not have a conversation about money with their spouse, now they're not together.
24:36
[SPEAKER_00]: Now they're going through something and this particular person is struggling because they didn't have a conversation.
24:46
[SPEAKER_00]: We're not even having a real money conversation with your kids.
24:54
[SPEAKER_00]: But we'll have a dance off.
24:55
[SPEAKER_00]: We'll love to put the iPad in front of them and make them dance to Beyonce and make them know the latest and greatest viral TikTok dance.
25:03
[SPEAKER_00]: But you can't have a conversation with your kids about money.
25:06
[SPEAKER_00]: They're too old to know about saving and investing and giving.
25:11
[SPEAKER_00]: But they five years old and they know how to do the latest viral TikTok dance.
25:18
[SPEAKER_00]: Many fights are the number one cause of divorce in this country.
25:23
[SPEAKER_00]: And with somebody passes, the family ends up in court fighting over what is left because nobody knew the plan, nobody knew the strategy.
25:33
[SPEAKER_00]: The 45% though, we put it on our calendar.
25:39
[SPEAKER_00]: Once a year.
25:41
[SPEAKER_00]: It does not have to be a fancy conversation.
25:45
[SPEAKER_00]: You don't need to go to a Colorado to go to a ski lodge.
25:49
[SPEAKER_00]: You don't need a private island.
25:51
[SPEAKER_00]: You don't need a private ship.
25:52
[SPEAKER_00]: You don't have to go to an expensive dinner.
25:55
[SPEAKER_00]: You can do it after church one Sunday, after noon, invite everybody over, come on, black people.
26:01
[SPEAKER_00]: We can do some spaghetti and some garlic bread.
26:05
[SPEAKER_00]: And you can do it at the kitchen table.
26:12
[SPEAKER_00]: What matters right now is that it starts, because here is what I am trying to build, and what I want you to build too.
26:21
[SPEAKER_00]: I want impact.
26:23
[SPEAKER_00]: I want to impact 12 generations of my family.
26:27
[SPEAKER_00]: So not just my kids, but 12 generations deep.
26:32
[SPEAKER_00]: And the only way that happens is that by teach my family how to be a team.
26:38
[SPEAKER_00]: And I've got to do that while I'm still alive and you've got to do it while you're still alive.
26:43
[SPEAKER_00]: Well, it's not what you leave your kids.
26:48
[SPEAKER_00]: Well, it's what you teach them while you're still here.
26:55
[SPEAKER_00]: I'm going to challenge you all.
26:59
[SPEAKER_00]: Some of you all are not talking about money with your kids and with your family because you feel, you feel, you are not winning with money.
27:12
[SPEAKER_00]: And while I think that is a horrible reason to not have a conversation, I also understand the emotional attachment to that decision.
27:27
[SPEAKER_00]: because I was that guy, that was best in my butt, working two jobs.
27:33
[SPEAKER_00]: Dawn, I was doing the right thing, but my mom and dad couldn't have a conversation with me about money, because they were living paycheck to paycheck, too.
27:40
[SPEAKER_00]: They weren't broke, but they didn't have the right strategy, so they couldn't teach me the right strategy.
27:45
[SPEAKER_00]: I had to learn the right strategy.
27:48
[SPEAKER_00]: That's why I wrote the book Stop Living Pachat to paycheck.
27:53
[SPEAKER_00]: because I came from the 55 to the 45 within the top 10.
28:00
[SPEAKER_00]: I don't come from wealth and this book is my gift to you all and if you want to change 12 generations, hey, let's just, let's just be weird.
28:10
[SPEAKER_00]: If you just want to impact the next generation in your family, your children's children, you've got to get the book to help you get there.
28:17
[SPEAKER_00]: Let's go into thing number four.
28:19
[SPEAKER_00]: I'm going to love.
28:20
[SPEAKER_00]: I'm trying to do these cells around 25 minutes, but I'll just get so passionate about it.
28:24
[SPEAKER_00]: thing number four.
28:26
[SPEAKER_00]: Look at the book.
28:27
[SPEAKER_00]: A 45% declared war on consumer debt.
28:31
[SPEAKER_00]: Not next year.
28:32
[SPEAKER_00]: Not when the kids graduate now.
28:35
[SPEAKER_00]: I need you to hear me on this one.
28:36
[SPEAKER_00]: All right.
28:37
[SPEAKER_00]: The average American adult between the age of 27 and 54 carries the right amount of $31,000 and non-mortgage debt.
28:44
[SPEAKER_00]: That's per adult.
28:45
[SPEAKER_00]: I think I mentioned this in the last show.
28:48
[SPEAKER_00]: So let's be honest, that's $62,000 in the sumer debt.
28:51
[SPEAKER_00]: Car payment credit cards by now pay later, student loans, personal loans, family loans, boy friend loans, girl friend loans.
28:58
[SPEAKER_00]: You talk about loans.
29:01
[SPEAKER_00]: That is a down payment on the house.
29:04
[SPEAKER_00]: That is a year of retirement that could be earning compound interest.
29:06
[SPEAKER_00]: That is a college education at an in-state university.
29:11
[SPEAKER_00]: But that's 62,000 dollars is sitting in your past and it's not benefiting your future.
29:15
[SPEAKER_00]: That 62,000 dollars is sitting in a car that's already depreciated.
29:19
[SPEAKER_00]: That 62,000 dollars is half of a zone of your credit card with items that you don't even like anyone.
29:28
[SPEAKER_00]: We already know the Bible doesn't really talk about debt in a sinful way, but it also doesn't talk about it in a positive way.
29:35
[SPEAKER_00]: It only talks about debt within a negative way.
29:38
[SPEAKER_00]: This is not an opinion.
29:40
[SPEAKER_00]: This is biblical, this is scripture.
29:44
[SPEAKER_00]: And I dedicated an entire chapter in my book.
29:48
[SPEAKER_00]: to really help you understand why debt is deadly.
29:51
[SPEAKER_00]: And why is hurting every single thing inside of your future?
29:55
[SPEAKER_00]: And I need you to get out of consumer debt.
29:57
[SPEAKER_00]: And if you really study the top 45% of individuals, they have learned that I need to keep my consumer debt if not zero, very, very minimum.
30:08
[SPEAKER_00]: They use the debt snowball to get out of work and I don't know how that much time to talk about on this show, but I literally break down the debt snowball and how you can use it and start on my brand new book.
30:21
[SPEAKER_00]: And what I've learned is people who follow my system that escape plan that again is ahead of my brand new book, they're out of debt within 18 months.
30:33
[SPEAKER_00]: They're consumer debt free with an 18 months.
30:38
[SPEAKER_00]: because they got tired of waking up to the enemy every single day and they were sick and tired of being sick and tired of being dragged down and they couldn't progress forward.
30:49
[SPEAKER_00]: Dead is the enemy.
30:51
[SPEAKER_00]: Well, it is freedom.
30:55
[SPEAKER_00]: There is no path from the 55% to the 45% that runs through more debt.
31:06
[SPEAKER_00]: Can't do it.
31:08
[SPEAKER_00]: Here's the last thing, number five, think, number five, the 45% invested on purpose every single month.
31:20
[SPEAKER_00]: No matter what the market did, no matter how scared the headlines made them, now I want you to hear this clearly.
31:28
[SPEAKER_00]: They stuck to the path of investing.
31:35
[SPEAKER_00]: Family, there's a difference between saving and investing.
31:40
[SPEAKER_00]: Saving is what you do, how's it is?
31:45
[SPEAKER_00]: Saving is what you do in cash emergencies, all right?
31:52
[SPEAKER_00]: So you're saving for emergencies.
31:54
[SPEAKER_00]: Investing is what you do to build real wealth.
32:00
[SPEAKER_00]: And I said, it's real wealth.
32:02
[SPEAKER_00]: When I say real wealth, I'm talking about you're thinking 20 years, 30 years down the road.
32:08
[SPEAKER_00]: And what I've learned over the last five years, most people get confused about the two.
32:13
[SPEAKER_00]: Most Americans save a little and spend the rest and never invest a dollar.
32:21
[SPEAKER_00]: That is one of the biggest reasons the wealth gap keeps getting wider in this country.
32:26
[SPEAKER_00]: Because we're saving a little, spending and looking good, but they're not investing, I think.
32:33
[SPEAKER_00]: Here's a number.
32:35
[SPEAKER_00]: That should open your eyes up a little bit.
32:37
[SPEAKER_00]: The person who invest $300 a month starting to say at the age of 25, will have more money in their senior years, their later years than a person who invest $600 a month
32:52
[SPEAKER_00]: less money, less per month, but more at the end.
32:57
[SPEAKER_00]: Why?
32:57
[SPEAKER_00]: Oh, it's called time.
33:01
[SPEAKER_00]: Compound with time.
33:03
[SPEAKER_00]: Time is the investor.
33:05
[SPEAKER_00]: Time is the investors also best friend.
33:09
[SPEAKER_00]: Procrastination is the worst enemy.
33:14
[SPEAKER_00]: Albert, uh, uh, supposedly called compound interest to 8th wonder of the world.
33:21
[SPEAKER_00]: Whether he actually said that or not, the map dish is freaking real.
33:25
[SPEAKER_00]: Money invested over time doubles triples quadruples while we are sleep, and 45% said of automatic investments.
33:33
[SPEAKER_00]: They do not wait to feel like investing.
33:36
[SPEAKER_00]: They do not wait for the perfect moment.
33:38
[SPEAKER_00]: They do not try to time the market.
33:41
[SPEAKER_00]: They just keep buying every single paycheck on purpose.
33:47
[SPEAKER_00]: Boring is the strategy.
33:50
[SPEAKER_00]: Consistent is the strategy.
33:52
[SPEAKER_00]: And steady shows that people who automate their savings and investing accumulate three to four times more wealth over their lifetime.
34:01
[SPEAKER_00]: than people who try to do it manually.
34:05
[SPEAKER_00]: I'm sitting at the moment on three to four times.
34:09
[SPEAKER_00]: It's the same income, it's the same age, it's just one decision to remove yourself from the equation.
34:17
[SPEAKER_00]: set it and forget it.
34:19
[SPEAKER_00]: Now, I personally invest about 15% of my gross income every single month on automation into my SolFi Invest and Public Account.
34:29
[SPEAKER_00]: If you want to open up one of these accounts today, you can go to Anthony on Neil.com for slash invest.
34:35
[SPEAKER_00]: There's going to be the top five brokerage accounts where you can open up an IRA.
34:38
[SPEAKER_00]: You can open up an index fund at ETF.
34:41
[SPEAKER_00]: We're even going to do a whole show.
34:42
[SPEAKER_00]: As we're going to do a webinar,
34:45
[SPEAKER_00]: on how to properly invest.
34:47
[SPEAKER_00]: Like how to open up a savings and a strategy and a math behind savings and then a strategy and a math around your broker's fund and how to start investing.
34:57
[SPEAKER_00]: Okay, we're really gonna be breaking all this up down.
34:59
[SPEAKER_00]: I'm gonna have more information here on the show and on my social media channels here within about the next few days.
35:05
[SPEAKER_00]: So just bear with me as we get the information up.
35:08
[SPEAKER_00]: But y'all listen.
35:12
[SPEAKER_00]: we we got to start doing these things these five things now because it's super super super important.
35:20
[SPEAKER_00]: Now I want to say something directly to to the person in the 55% watching this right now before I close.
35:29
[SPEAKER_00]: You're not stupid.
35:30
[SPEAKER_00]: You're not lazy.
35:31
[SPEAKER_00]: There's
35:43
[SPEAKER_00]: Let's be honest, all of us have been running behind a system that was designed for us to win.
35:51
[SPEAKER_00]: It is honestly designed to keep us behind.
35:54
[SPEAKER_00]: Credit cards that punish you with 25% interest buy now pay later programs that splits your groceries into four payments that splits your T-shirt into four payments.
36:05
[SPEAKER_00]: Cars you cannot afford and you finance it for 84 months.
36:09
[SPEAKER_00]: Subscriptions you honestly forgot about it
36:14
[SPEAKER_00]: Lifestyle inflation that ate every single race that you got, marketing that is designed to keep you wanting more than you honestly can't afford.
36:23
[SPEAKER_00]: All of that ends to day.
36:26
[SPEAKER_00]: Because a day you got the truth.
36:28
[SPEAKER_00]: I needed to do these five things.
36:31
[SPEAKER_00]: And here's the thing, the Bible says, the truth.
36:33
[SPEAKER_00]: Well, what set you free?
36:36
[SPEAKER_00]: Here's a true, you can move from the 55% to the 45%.
36:42
[SPEAKER_00]: And I believe you can do that within the next 12 to 18 months.
36:45
[SPEAKER_00]: If you run a new system, if you run a new strategy and stick to a proven plan, I've watched it happen thousands of times in people inside of our community.
37:06
[SPEAKER_00]: And if you are sick and tired of being sick and tired and you're ready and you are ready to get to the next level, go to ampronio.com for us to actually book download the book.
37:18
[SPEAKER_00]: Man, there's so many free things on there.
37:20
[SPEAKER_00]: I can't really talk about everything that's free.
37:24
[SPEAKER_00]: But so much, I can't tell you how excited I am about this book.
37:32
[SPEAKER_00]: So do me a favor.
37:36
[SPEAKER_00]: Shared this episode with some more.
37:40
[SPEAKER_00]: Get the book.
37:41
[SPEAKER_00]: As a matter of fact, get two books.
37:44
[SPEAKER_00]: You got a girlfriend, if you got a boyfriend, if you got a family member or a friend, you'll know, knees and book.
37:48
[SPEAKER_00]: Get this book and share it with them.
37:50
[SPEAKER_00]: All right, I love you all.
37:51
[SPEAKER_00]: God bless you.
37:52
[SPEAKER_00]: I'll see you in the next show.
37:53
[UNKNOWN]: Peace out.