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Financial Expert Warns: Stop Paying Off Debt This Way — It's Hurting Your Money! · The Table with Anthony ONeal

0:00
[SPEAKER_00]: I need to say something upfront at the beginning of this show that most financial, I would say content creators will not say.
0:08
[SPEAKER_00]: Here's a truth.
0:09
[SPEAKER_00]: Your debt problem is honestly not a math problem.
0:15
[SPEAKER_00]: I'm going to start off.
0:17
[SPEAKER_00]: by saying 86% of workers stressed because of debt.
0:23
[SPEAKER_00]: And yet the most popular advice out there is about interest rates and percentages and calculations and use other people's money to build your wealth.
0:36
[SPEAKER_00]: But honestly, here is what I have learned after working with thousands of people and helping them get out of debt into the black.
0:43
[SPEAKER_00]: The reason most people stay in debt
0:46
[SPEAKER_00]: It's not because they don't understand a math.
0:49
[SPEAKER_00]: It is because no one never dealt with the behavior.
0:53
[SPEAKER_00]: Nobody ever dealt with the mindset and nobody never deals with the why.
1:02
[SPEAKER_00]: Saying this up front today.
1:04
[SPEAKER_00]: You see, most debt pay off strategies give you math.
1:08
[SPEAKER_00]: Today in today's episode, I'm going to give you the system.
1:13
[SPEAKER_00]: Math is not the problem.
1:15
[SPEAKER_00]: We need a system, but first, let me show you what not to do a friend.
1:22
[SPEAKER_00]: If you're watching this show today because you want to pay off your debt, you want to get out of debt.
1:26
[SPEAKER_00]: Let me show you what front what you do not need to do.
1:30
[SPEAKER_00]: And if you tried any of these strategies, I'm about to name, I am not here to shame you, I'm not here to even put nothing negative on you, because these are common.
1:39
[SPEAKER_00]: They sound smart, but I need you to understand why they do not work.
1:44
[SPEAKER_00]: So you can stop wasting time and start making real progress.
1:49
[SPEAKER_00]: All right?
1:50
[SPEAKER_00]: This one makes me a little nervous.
1:53
[SPEAKER_00]: Every time I see it every time I hear it.
1:57
[SPEAKER_00]: And, taking out a heloclop.
2:01
[SPEAKER_00]: You see, a heloclop means you are barring against your home.
2:06
[SPEAKER_00]: The one asset that is supposed to be building you wealth to pay off consumer debt.
2:14
[SPEAKER_00]: You're putting your house on the line for a credit card balance.
2:20
[SPEAKER_00]: You're putting your house on the line to finance a car.
2:27
[SPEAKER_00]: Sorry.
2:29
[SPEAKER_00]: Do not risk your home for consumer debt.
2:33
[SPEAKER_00]: Period.
2:35
[SPEAKER_00]: Period.
2:37
[SPEAKER_00]: Period.
2:39
[SPEAKER_00]: I hear this all the time.
2:40
[SPEAKER_00]: Oh man, take it, take it out of here like long on your home and go do this.
2:43
[SPEAKER_00]: Listen man, your home is not a freaking piggy bank.
2:46
[SPEAKER_00]: It is your foundation to building wealth.
2:48
[SPEAKER_00]: And when you pull equity out to pay off debt, you rent up on clothes and restaurants and impose purchases and to impress people.
2:57
[SPEAKER_00]: And then your behavior doesn't change?
3:00
[SPEAKER_00]: You ain't saw him, you ain't saw him, nothing.
3:03
[SPEAKER_00]: You just put your most important asset, your most important wealth-building tool at risk.
3:12
[SPEAKER_00]: Listen, family, protect your home, and leave the equity alone.
3:19
[SPEAKER_00]: Please, here's number two, the worst way.
3:24
[SPEAKER_00]: This one really hurts me to even talk about it.
3:27
[SPEAKER_00]: I get this at all the time when I'm at conferences.
3:31
[SPEAKER_00]: Should I borrow from my 401k?
3:34
[SPEAKER_00]: Heck no, you see, when you borrow from your 401k, you are robbing from your future self to pay for your past decisions.
3:42
[SPEAKER_00]: You're pulling money out of compounding, growing investments, and paying interest on money that was already yours.
3:50
[SPEAKER_00]: I'm gonna say this again.
3:51
[SPEAKER_00]: You're paying interest on your money to someone else to borrow from your freaking money.
3:59
[SPEAKER_00]: What?
4:00
[SPEAKER_00]: And here's the fine print, most people miss.
4:03
[SPEAKER_00]: If you leave your job, voluntary or not, many companies require you to pay the loan back within 90 days.
4:16
[SPEAKER_00]: You can go from debt to crisis in overnight.
4:23
[SPEAKER_00]: Straight is out.
4:24
[SPEAKER_00]: Your 401k is not an emergency fund.
4:29
[SPEAKER_00]: It is not a backup plan.
4:32
[SPEAKER_00]: It's not there to help you fund your quote unquote dreams.
4:37
[SPEAKER_00]: It's not there if you to pull money out to go buy a car.
4:41
[SPEAKER_00]: Your 401k is for your future.
4:44
[SPEAKER_00]: Leave it the heck alone.
4:50
[SPEAKER_00]: Now, here's the worst way number three.
4:53
[SPEAKER_00]: Something you're gonna hate me.
4:54
[SPEAKER_00]: Something you're gonna push back on this one.
4:56
[SPEAKER_00]: Let me know in the comments, for real.
4:58
[SPEAKER_00]: Zero percentage balance transfers sounds like a cheat coat, right?
5:03
[SPEAKER_00]: Movie balance from this one, this credit card to that credit card.
5:07
[SPEAKER_00]: Pay no interest for 12 months so you can get ahead.
5:11
[SPEAKER_00]: But here's what actually happens.
5:13
[SPEAKER_00]: People move the balance, fill relief, and don't change their spending habits.
5:22
[SPEAKER_00]: That 12 months run out.
5:24
[SPEAKER_00]: The interest kicks back in, sometimes higher than before, and now they're looking for the next car to shuffle it to.
5:36
[SPEAKER_00]: You are not beating the system.
5:41
[SPEAKER_00]: I'm saying it's very clearly, the system is beating Obama.
5:49
[SPEAKER_00]: The system is what being old-tailed and you think, you're winning because you're moving here and you're moving there and you're moving here, but you still got debt, you still paying interest.
6:02
[SPEAKER_00]: and you're still with the same mindset that got you there, is he all three of these strategies have one thing in common?
6:10
[SPEAKER_00]: They treat debt like a math education or math equation, but debt is a behavior problem and until you change the behavior, the numbers will keep coming back.
6:21
[SPEAKER_00]: Until you change your habits, you will still stay in debt.
6:26
[SPEAKER_00]: Until you change, well, I said it, I said it's until you get sick and tired of being sick and tired of being in debt, it's going to say the same.
6:38
[SPEAKER_00]: Listen, Americans carry 1.28 trillion dollars in credit card debt.
6:46
[SPEAKER_00]: 1.28 trillion.
6:48
[SPEAKER_00]: That's not a math problem.
6:50
[SPEAKER_00]: That is a behavior problem.
6:52
[SPEAKER_00]: That is a happy problem and it requires a different kind of solution.
7:01
[SPEAKER_00]: Now real quick, family, before I show you what actually works, I want to talk to you about something that rightly connected to everything we're discussing today.
7:09
[SPEAKER_00]: Yeah, you all know, I don't partner with just anybody.
7:12
[SPEAKER_00]: I only brain companies and tools that actually believe in.
7:16
[SPEAKER_00]: And if you're looking for extra tool to help you get out of there, check this out real quick.
7:23
[SPEAKER_00]: I gotta be real with you.
7:24
[SPEAKER_00]: Before I say anything goes, this does not replace the death snowball.
7:28
[SPEAKER_00]: This does not replace living below your means, what I teach still stands for period.
7:35
[SPEAKER_00]: But if you are caring more than I would say about $20,000 in consumer debt and you feel stuff, I want you to know there is an additional resource that can help you get that free a little bit quicker.
7:47
[SPEAKER_00]: I've had the opportunity to partner with some trusted debt relief companies.
7:50
[SPEAKER_00]: And what I'm asking you to do is simple.
7:53
[SPEAKER_00]: Put an Anthony O'Neill.com for SAS DevRelief, fill out the free application.
7:58
[SPEAKER_00]: It's going to take you literally three minutes.
7:59
[SPEAKER_00]: And just have a conversation.
8:01
[SPEAKER_00]: Ask the hard questions.
8:03
[SPEAKER_00]: Be completely honest about your current situation.
8:06
[SPEAKER_00]: And then, don't you think about it.
8:07
[SPEAKER_00]: Do not rush it.
8:08
[SPEAKER_00]: Do not sign anything on the spot.
8:10
[SPEAKER_00]: Don't even give them any money.
8:11
[SPEAKER_00]: Just take your time to think about it.
8:13
[SPEAKER_00]: This is just a tool, one more option on a table, but you'll never know if it can help you unless you have the honest conversation.
8:21
[SPEAKER_00]: Zero cost to apply, there's zero obligations.
8:24
[SPEAKER_00]: It's just not particularly to get some more information to help you journey.
8:28
[SPEAKER_00]: The link is in the show notes, go to amphonyo.com for slash debt relief, and as always, let's get you out of the red and into the black.
8:36
[SPEAKER_00]: Let's get back to today's show.
8:38
[SPEAKER_00]: Alright, family.
8:39
[SPEAKER_00]: Let's get back into some days.
8:42
[SPEAKER_00]: I got something good.
8:43
[SPEAKER_00]: I got something good.
8:44
[SPEAKER_00]: I got something good Before I give you the solution, right?
8:48
[SPEAKER_00]: I need to talk to you about something most
8:51
[SPEAKER_00]: financial content creators skip entirely.
8:55
[SPEAKER_00]: Why do we get into debt in the first place?
8:57
[SPEAKER_00]: That's how that conversation.
8:58
[SPEAKER_00]: And I want to break it down to three minds says that keep people trapped.
9:02
[SPEAKER_00]: The first is the fake it until you make it mindset.
9:07
[SPEAKER_00]: Spending money you don't have to look like you have money that you really don't have.
9:11
[SPEAKER_00]: financing a lifestyle that isn't real because you think if I look like it, I'll get in the door.
9:17
[SPEAKER_00]: And while you make it in the door, will it keep you in the door?
9:20
[SPEAKER_00]: And if it doesn't keep you in the door, now your embond is trying to impress people trying to fake it until you make it.
9:28
[SPEAKER_00]: 67% of Americans are living paycheck to paycheck.
9:32
[SPEAKER_00]: That's two out of three people.
9:34
[SPEAKER_00]: You know, right now, if they miss one paycheck,
9:41
[SPEAKER_00]: their inner crisis.
9:42
[SPEAKER_00]: And a big reason why is because, and I've seen this before and as a whole lie, that success looks like a certain car, a certain house, and a certain lifestyle.
9:53
[SPEAKER_00]: And we've been borrowing money to perform that life.
9:59
[SPEAKER_00]: So now we're stressed.
10:00
[SPEAKER_00]: Now we're saying, man, I look good, but you ain't good.
10:04
[SPEAKER_00]: You know, one of the things that really bothers me in this world is, uh, since I've lost weight, uh, people say Anthony, you're skinny, but no one ever asked me how do I feel.
10:16
[SPEAKER_00]: They only commented on how do I look.
10:20
[SPEAKER_00]: But you never asked me, how do I feel?
10:22
[SPEAKER_00]: You never asked me, Anthony, do you still have gas?
10:25
[SPEAKER_00]: So you still have heart burns?
10:26
[SPEAKER_00]: And, you know, can you still run them out?
10:28
[SPEAKER_00]: Like, how do you feel?
10:29
[SPEAKER_00]: But you're only concerned that I look, leaner, and aka skinnier.
10:37
[SPEAKER_00]: And before that used to bother me, but then it hit me.
10:40
[SPEAKER_00]: People are more impressed with how they look rather than how they actually feel.
10:46
[SPEAKER_00]: And I'm at this season of my life where I don't give a crap.
10:50
[SPEAKER_00]: About how I look, yeah, I may not be as muscular as a person who's who's bench person, 325 pounds.
10:58
[SPEAKER_00]: But I can run longer.
10:59
[SPEAKER_00]: I feel better and I'm gonna live longer.
11:04
[SPEAKER_00]: Because I don't care solely about how I look.
11:07
[SPEAKER_00]: I want to look good, but I care about how to.
11:09
[SPEAKER_00]: I feel.
11:11
[SPEAKER_00]: And people where I hear driving these cars and looking all good and faking it until we make it and on the inside we're crying.
11:21
[SPEAKER_00]: On the inside, we don't feel good.
11:25
[SPEAKER_00]: Was these milled to the second mindset?
11:28
[SPEAKER_00]: And I see this a lot with Christians.
11:30
[SPEAKER_00]: I'm scared of money mindset.
11:32
[SPEAKER_00]: So afraid of losing money that you never make a real plan for it.
11:36
[SPEAKER_00]: There's no budgeting, there's no vision, there's no direction.
11:39
[SPEAKER_00]: Every dollar that comes in just disappear.
11:45
[SPEAKER_00]: And the third one.
11:48
[SPEAKER_00]: is everything is going to work out, and I said, passive, waiting, hoping, but not doing anything.
11:59
[SPEAKER_00]: Listen.
12:01
[SPEAKER_00]: None of these mindsets were survived the process I'm about to show you.
12:05
[SPEAKER_00]: Because when I'm about to give you requires intention, it requires a plan.
12:10
[SPEAKER_00]: It requires you to show up every single month and do the work.
12:16
[SPEAKER_00]: Every single day and do the work.
12:21
[SPEAKER_00]: But I'm sitting here, consumer debt free, just close on my dream home.
12:26
[SPEAKER_00]: I can say my dream home, but close on a beautiful home.
12:31
[SPEAKER_00]: So what I'm going to show you, I promise you it works.
12:39
[SPEAKER_00]: I'm going to introduce you to John, John and Jasmine Henderson, young couple, when I started working with them, they had right around 50,000 hours and gets him with that, it's credit card desk, card notes, student loans, and some medical bills, right?
12:55
[SPEAKER_00]: And they had, I was said they tried everything, balanced transfers, consolidation, minimal payments, nothing was working.
13:03
[SPEAKER_00]: Then I introduced them to the desk, no ball method.
13:07
[SPEAKER_00]: Didn't I introduce them to my app in the black?
13:11
[SPEAKER_00]: I'm sorry, introducing them to tools, and I'm teaching you all.
13:15
[SPEAKER_00]: Less than, then I will say about a year, two and a half years later, their $50,000 is going.
13:23
[SPEAKER_00]: It's going.
13:25
[SPEAKER_00]: But the real secret ingredient was the desk no-ball method.
13:31
[SPEAKER_00]: And here's exactly how it works.
13:33
[SPEAKER_00]: I want to break this down.
13:34
[SPEAKER_00]: I want you to really share this with some of who needs to get out of debt.
13:37
[SPEAKER_00]: Step one, this is where you list every single debt, smallest balance to largest balance.
13:43
[SPEAKER_00]: No, not by interest rates, no, not by the monthly payments, not by the balance, the smallest to largest.
13:52
[SPEAKER_00]: I need you to write it down, put it on your fridge, make it visible because what you can see you can attack.
14:00
[SPEAKER_00]: But if you can't see it, you can't attack it.
14:03
[SPEAKER_00]: Here's what John and Jasmine lists look like.
14:07
[SPEAKER_00]: It should be up on the screen right now.
14:09
[SPEAKER_00]: They had an ATO hospital.
14:11
[SPEAKER_00]: I think it's right around $1,250, a John's car, $5,500, credit card, $6,750.
14:18
[SPEAKER_00]: Jasmine's car was right around $7,700.
14:20
[SPEAKER_00]: Her student loans was right around $13,325.
14:25
[SPEAKER_00]: John's student loans was $15,575.
14:29
[SPEAKER_00]: So the total came up to $50,100.
14:33
[SPEAKER_00]: when they first wrote all of them down, they were shocked.
14:38
[SPEAKER_00]: But it was also the moment things started to change, because you can't fight what you can't see.
14:44
[SPEAKER_00]: You see, most budgeting apps just track your spending and leave you guessing what do I do today.
14:51
[SPEAKER_00]: But my new app in the black is different.
14:54
[SPEAKER_00]: This isn't just a tractor.
14:56
[SPEAKER_00]: It's your daily money coach right in your pocket every single hit.
15:00
[SPEAKER_00]: You see, every single morning.
15:02
[SPEAKER_00]: you wake up and you know exactly what to do with your money today.
15:07
[SPEAKER_00]: No more confusion, no more second guessing, no more wondering what do I do, I'm literally walking with you step by step every single day.
15:15
[SPEAKER_00]: Whether you're budgeting, paying off debt, saving, or investing for your future, the app holds you accountable and it celebrates your wins and gives you a customized clear plan.
15:26
[SPEAKER_00]: So you never have to wonder, what do I do today?
15:28
[SPEAKER_00]: And listen, this isn't just about numbers.
15:30
[SPEAKER_00]: Because the inside of the app, you get my complete brand new estate plan course.
15:34
[SPEAKER_00]: This is my proven system to break free from debt and feel real well.
15:38
[SPEAKER_00]: And also, we just also announce a new community of like-minded individuals.
15:44
[SPEAKER_00]: And all of this is inside the app.
15:47
[SPEAKER_00]: So listen, listen, listen, listen.
15:48
[SPEAKER_00]: If you're tired of filming stuff, if you want a money coach in your pocket, not just another app.
15:53
[SPEAKER_00]: I need you to go and download the app two days.
15:55
[SPEAKER_00]: Go to anthenionils.com for slash in the black and join thousands of others who already have the app who are getting out of the red and they're getting into the black and boy, they're having a great time.
16:06
[SPEAKER_00]: Head over to anthenionil.com for slash in the black and I'm gonna see you in the app.
16:13
[SPEAKER_00]: Was these movies set number two?
16:14
[SPEAKER_00]: You gotta make a minimum payment on every single thing.
16:18
[SPEAKER_00]: except the smallest step.
16:21
[SPEAKER_00]: Now, on the smallest one, you're going to throw every extra dolly you can find inside of your app, in the black, every dolly you cut from your budget, in the black app, every dollar from side hustles, every dollar from selling stuff around the house, every dolly you got for selling your own freaking kids.
16:42
[SPEAKER_00]: But all jokes aside, not your kids.
16:44
[SPEAKER_00]: All jokes aside, it all goes towards the smallest debt.
16:47
[SPEAKER_00]: Everything that you have, sure that you found in your budget.
16:51
[SPEAKER_00]: It all goes towards the first one.
16:54
[SPEAKER_00]: Then step three is when that smallest debt is paid off.
16:57
[SPEAKER_00]: You're gonna celebrate, all right?
16:59
[SPEAKER_00]: For real, dance in the living room, kiss your wife, kiss your man, call your mama, call your homeboy, call your homegirl, tell me, oh, yo, this thing is really working, but do something.
17:09
[SPEAKER_00]: Because you just won a battle most people never win.
17:13
[SPEAKER_00]: I remember when John,
17:16
[SPEAKER_00]: I'm drew a line through that first debt on their white board.
17:20
[SPEAKER_00]: The 1,250, you have to think what, 1,250 at the hospital bill, Jasmine told me she cried.
17:28
[SPEAKER_00]: Not because it was a huge amount, but because it was proof.
17:31
[SPEAKER_00]: Proof that change is possible when you write it down and when you stick to the plan.
17:39
[SPEAKER_00]: That is the power of the debt snowball.
17:42
[SPEAKER_00]: Now, step four is when you roll everything you were paying on the first debt into the next one.
17:48
[SPEAKER_00]: Your payment gets bigger, your momentum bills, your snowball starts rolling.
17:57
[SPEAKER_00]: Now, let's say this.
18:00
[SPEAKER_00]: Some of you all are thinking, I know some of you are thinking, but Anthony, so you're gonna pay the highest interest rate first.
18:06
[SPEAKER_00]: Doesn't that save more money mathematically?
18:10
[SPEAKER_00]: I'll be honest with you.
18:11
[SPEAKER_00]: I'll be very honest.
18:12
[SPEAKER_00]: Yes, on paper, attacking the highest interest rate first saves you a little bit of money.
18:19
[SPEAKER_00]: But here's what the map doesn't account for you.
18:25
[SPEAKER_00]: It doesn't count for the fact that when you're staring down a $15,000 student loan as your very first target, making only $50 of progress a month, you're going to get discouraged, let's be real.
18:42
[SPEAKER_00]: You're going to feel like it's not working and let's be honest, okay, you're going too quick.
18:48
[SPEAKER_00]: Now, what I love about the debt snowball and why it works is because it works with our mental, not against it.
18:57
[SPEAKER_00]: Small wins early, give you the fuel to keep going.
19:01
[SPEAKER_00]: That's not just a filling.
19:02
[SPEAKER_00]: That is a strategy, and I remember not paid off my first five hundred dollar credit card.
19:06
[SPEAKER_00]: I was like, yo, okay, wait, wait, wait, wait, this is, wait, I took all that money, put it on the next one, and I was getting excited.
19:13
[SPEAKER_00]: So excited, man, I was telling my people.
19:15
[SPEAKER_00]: Now, I can't go out with you this weekend.
19:17
[SPEAKER_00]: Like, I'm, I'm, I'm five thousand miles away from my goal.
19:20
[SPEAKER_00]: No, I'm wrong, I'm good, I'm gonna eat on home, I'm gonna cook that to crib.
19:23
[SPEAKER_00]: I'm going over to her crib, give me something to eat.
19:26
[SPEAKER_00]: And here's something that doesn't get talked about enough that we need to start talking about.
19:32
[SPEAKER_00]: Getting out of debt is not just about the method.
19:35
[SPEAKER_00]: It's about who you become in that process.
19:39
[SPEAKER_00]: You see, when my friends John and Jasmine were working through their snowball, they were just paying off debt.
19:47
[SPEAKER_00]: but they really weren't just paying off there.
19:51
[SPEAKER_00]: They were building discipline.
19:53
[SPEAKER_00]: Watch this.
19:54
[SPEAKER_00]: They were building communication together as a couple.
19:58
[SPEAKER_00]: They were building a financial vision for their family's financial future.
20:03
[SPEAKER_00]: They were becoming a kind of people who do not and will not go back into unnecessary debt.
20:13
[SPEAKER_00]: To me, that is the real win.
20:22
[SPEAKER_00]: when two can become one and get connected together because they have the same vision.
20:29
[SPEAKER_00]: Now, let me give you the tool that makes it that snowball actually work month to month to year to year into your future.
20:41
[SPEAKER_00]: I call this the monthly money vision.
20:44
[SPEAKER_00]: Some people call it a budget.
20:46
[SPEAKER_00]: I call it a mission for your money.
20:49
[SPEAKER_00]: Before the month begins, before the first dollar comes in, you sit down on this side where every single dollar is going.
20:56
[SPEAKER_00]: you give every single dollar a job, your rent, it has a job, your groceries have a job, your debt payments have a job, your savings has a job.
21:09
[SPEAKER_00]: Because at the end of the day, Peter Drucker said this, you can't manage what you do not measure.
21:15
[SPEAKER_00]: And here's the key, you're going to list your debts inside of the end of the black app from smallest to largest and actually as a matter of fact, if you go to Anthonyonio.com forward slash app, we will honestly do this for you.
21:32
[SPEAKER_00]: You're going to connect your bank account.
21:34
[SPEAKER_00]: So you're going to connect your credit card account.
21:36
[SPEAKER_00]: And we're going to literally list all this for you.
21:40
[SPEAKER_00]: And so at the end of the month, every single month, we're going to tell you what to attack first.
21:45
[SPEAKER_00]: And you're going to keep updating us.
21:47
[SPEAKER_00]: And after and keep updating you, we're going to assist you for the next 12 months.
21:52
[SPEAKER_00]: John and Jasmine's total expected income was right around $6,500 a month.
21:57
[SPEAKER_00]: They assigned every single dollar a purpose inside the app, including an aggressive extra payment towards their smallest debt.
22:05
[SPEAKER_00]: That's how they started winning.
22:07
[SPEAKER_00]: That's how you're going to start winning.
22:11
[SPEAKER_00]: So listen, the opposite side is inside the show description.
22:15
[SPEAKER_00]: I'm getting going to anthillmail.com for slash app download the app commit to one year of rockin with me.
22:22
[SPEAKER_00]: We're going to help you change your financial situation.
22:26
[SPEAKER_00]: But before I close, I want to say one more thing.
22:31
[SPEAKER_00]: Something you won't hear a lot of these financial influencers do.
22:35
[SPEAKER_00]: Getting out of debt is a spiritual act.
22:39
[SPEAKER_00]: When you're in debt,
22:41
[SPEAKER_00]: You are in bondage.
22:42
[SPEAKER_00]: The Bible says it's a plan that the bar where it's slay to the lender, and it's not a metaphor.
22:46
[SPEAKER_00]: That is reality, millions of people are living every single day.
22:52
[SPEAKER_00]: And when you get free them, when you follow a plan, and you do the work and stack those wins, you're not just improving your credit score, you're reclaiming your freedom.
23:03
[SPEAKER_00]: you're becoming a better steward of what God has given you.
23:07
[SPEAKER_00]: And right now, I'm working on something that is going to be amazing.
23:11
[SPEAKER_00]: It is going to bring someone's freedom.
23:13
[SPEAKER_00]: I want you to keep a lot to the channel.
23:14
[SPEAKER_00]: We'll be announcing this soon, but I'm really excited.
23:17
[SPEAKER_00]: Because I've seen that happen over and over for people who follow my system.
23:22
[SPEAKER_00]: When people get serious about their finances, something shifts spiritually.
23:27
[SPEAKER_00]: They start giving more generously.
23:29
[SPEAKER_00]: They start dreaming even bigger.
23:31
[SPEAKER_00]: They start building legacies by working and following the plant.
23:37
[SPEAKER_00]: That is what this is all about.
23:39
[SPEAKER_00]: This is not about math.
23:40
[SPEAKER_00]: It's not about interest rates.
23:43
[SPEAKER_00]: Then it's about freedom.
23:47
[SPEAKER_00]: It is about changing the way that my children will see money.
23:52
[SPEAKER_00]: And I got to see this direct.
23:55
[SPEAKER_00]: I know some of you are watching this feeling somewhat embarrassed internally, feeling like you should be further along, feeling like you've been tried before and it did.
24:07
[SPEAKER_00]: Well, I'll say no, feeling like you tried before and it didn't work.
24:12
[SPEAKER_00]: I don't want to be honest with you.
24:12
[SPEAKER_00]: I hear you.
24:14
[SPEAKER_00]: I was 20 years old, I know what it feels like to run out of gas right in front of the gas station.
24:19
[SPEAKER_00]: I know what it feels like to only have a six-five hours to my name for two, three days.
24:23
[SPEAKER_00]: I know what it feels like to look like everything is good, but really on the inside, I'm crying, I know what it feels like.
24:33
[SPEAKER_00]: It wasn't normal.
24:36
[SPEAKER_00]: and tag on it.
24:38
[SPEAKER_00]: My parents used to say, along, you got clothes on your back, food on your table and the roof over your head.
24:44
[SPEAKER_00]: Everything's going to be all right.
24:46
[SPEAKER_00]: And while I believe 50% with that, it doesn't have to be that way.
24:52
[SPEAKER_00]: That should not be our norm.
24:57
[SPEAKER_00]: system of strategies.
25:00
[SPEAKER_00]: This works.
25:01
[SPEAKER_00]: The death snowball is not magic.
25:04
[SPEAKER_00]: It is a system and a strategy.
25:06
[SPEAKER_00]: And systems work when you work them.
25:10
[SPEAKER_00]: So here's my challenge for you today.
25:14
[SPEAKER_00]: Download the app in the black.
25:19
[SPEAKER_00]: Give yourself 90 days.
25:22
[SPEAKER_00]: If you don't see a clear system
25:30
[SPEAKER_00]: Get out the app, that one act, this one strategy, that one moment of honesty is the beginning of your financial freedom.
25:45
[SPEAKER_00]: I believe in you, God believes in you, I was taught for you to believe in yourself, and partner with us to help you change your life.
25:57
[SPEAKER_00]: Download it.
25:58
[SPEAKER_00]: And let's get it together.
26:00
[SPEAKER_00]: I love you all.
26:01
[SPEAKER_00]: Share this with a friend.
26:02
[SPEAKER_00]: Share this with a family member.
26:04
[SPEAKER_00]: Heck, share this with your romantic partner.
26:08
[SPEAKER_00]: And just try this out for 90 days.
26:11
[SPEAKER_00]: We'll see you in the next show.
26:12
[UNKNOWN]: Peace out.