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Transcript

I Was Broke at 25... This Changed Everything (9 Money Moves) · The Table with Anthony ONeal

0:00
[SPEAKER_00]: I get messages every single day from people telling me, they just don't have enough money saved.
0:07
[SPEAKER_00]: They're stretched to their absolute limit.
0:11
[SPEAKER_00]: And if you're living paycheck to paycheck right now, this video was going to be for you.
0:16
[SPEAKER_00]: This is not going to be your typical, you know, pay off that type video.
0:20
[SPEAKER_00]: No, many of you are feeling like you're doing everything right.
0:24
[SPEAKER_00]: You're working hard, you're showing up, you're paying your bills, but you still can't seem to get ahead and I understand that, right?
0:32
[SPEAKER_00]: Distress of checking your account before you even swipe the card.
0:36
[SPEAKER_00]: I've been there, I understand you.
0:40
[SPEAKER_00]: But here's what nobody is telling you about being broke.
0:45
[SPEAKER_00]: I was twenty something years old, living paycheck to paycheck, making every single financial mistake in the book.
0:52
[SPEAKER_00]: Then I discovered
0:54
[SPEAKER_00]: these nine money moves that changed everything for me and family when I say this.
1:01
[SPEAKER_00]: If I can go from checking my account balance in the grocery store line to never worrying about money again so can you if I can go.
1:14
[SPEAKER_00]: from putting in my debit card at the gas station hoping that it will get pre-authorized for a dollar to never ever question and can I get guys against so can you?
1:31
[SPEAKER_00]: This is passionate for me because I've been there and I know what it feels like to be working on two jobs, three jobs, just two survive.
1:42
[SPEAKER_00]: So today I want you to dial in and I want to walk you through exactly what to do when you do not have enough money.
1:50
[SPEAKER_00]: When you're stuck in that paycheck to paycheck cycle and the nine moves that would change your financial life forever.
1:59
[SPEAKER_00]: Let's be honest, most people are stressed and stuck in the paycheck to paycheck cycle because they were never taught of money actually works.
2:09
[SPEAKER_00]: That is exactly why I built this channel.
2:12
[SPEAKER_00]: Every week, my team and I are breaking down how to master your money, how to get out of that safe, invest, and build wealth without borrowing a dime.
2:22
[SPEAKER_00]: No fluff, no hype.
2:23
[SPEAKER_00]: Just real money content actually helps you win.
2:27
[SPEAKER_00]: financially.
2:28
[SPEAKER_00]: You see, because money impacts every aspect of our lives, our peace, our relationships, and even our future.
2:34
[SPEAKER_00]: If you don't take control of it, it will look control you.
2:37
[SPEAKER_00]: And if you're tired of just surviving and you're ready to build wealth guys way, you're in the right place.
2:42
[SPEAKER_00]: Over nine hundred thousand people have already subscribed to our YouTube channel with over millions of downloads and our applicants, Spotify, podcast.
2:50
[SPEAKER_00]: Now, when we hit a million on YouTube, we're giving way, thirty thousand dollars to help you get out of debt in the start building legacy.
2:56
[SPEAKER_00]: So listen, don't just watch.
2:58
[SPEAKER_00]: Hit that subscribe, family.
2:59
[SPEAKER_00]: Join this community.
3:01
[SPEAKER_00]: Let's build real wealth.
3:03
[SPEAKER_00]: Let's build real financial freedom together.
3:06
[SPEAKER_00]: It's your boy.
3:07
[SPEAKER_00]: Hit that subscribe.
3:09
[SPEAKER_00]: Let's get back to the show.
3:11
[SPEAKER_00]: I'm gonna get straight to it.
3:12
[SPEAKER_00]: Let's go.
3:14
[SPEAKER_00]: Move number one.
3:17
[SPEAKER_00]: Stop accepting broke as your identity.
3:24
[SPEAKER_00]: Stop accepting being average as your identity.
3:29
[SPEAKER_00]: Stop accepting.
3:30
[SPEAKER_00]: I'm just like everyone else as your identity.
3:35
[SPEAKER_00]: Because we gotta start right here.
3:38
[SPEAKER_00]: I know it sounds so cliche, Anthony, but mindset really is everything.
3:45
[SPEAKER_00]: You may not have any extra money right now, but you still have power and you still have God on your side.
3:54
[SPEAKER_00]: The Bible says, all things are possible through me.
3:57
[SPEAKER_00]: So if all things are possible through me, I gotta believe that I can't be wealthy.
4:02
[SPEAKER_00]: I gotta believe that I can't be that free.
4:05
[SPEAKER_00]: I gotta believe in here first.
4:07
[SPEAKER_00]: I gotta accept what the Word of God says about me inside of here.
4:12
[SPEAKER_00]: You have the power to change your mindset.
4:15
[SPEAKER_00]: You have the power to make choices that shift your financial future.
4:19
[SPEAKER_00]: Listen to me, listen to me, listen, listen, listen.
4:23
[SPEAKER_00]: You're not done.
4:25
[SPEAKER_00]: You're not even broken.
4:27
[SPEAKER_00]: You may have experienced life, you may have made some dumb decisions, but you're just in a tight season.
4:35
[SPEAKER_00]: But staying broke will no longer be your choice.
4:39
[SPEAKER_00]: Once you understand how many really works, once you go from being a piece of the game to knowing how to play the game.
4:48
[SPEAKER_00]: And today, on this show, I'm not here to beat you up.
4:52
[SPEAKER_00]: I'm here to build you up.
4:54
[SPEAKER_00]: So today is the last day, you say it is what it is.
4:59
[SPEAKER_00]: Every time you get an argument, every time you just want to go in the towel, man, it is what it is.
5:03
[SPEAKER_00]: No, I bumped that.
5:05
[SPEAKER_00]: From now on, it is what I decide it will be.
5:09
[SPEAKER_00]: Come on, come on, come on, come on, come on, come on, come on.
5:12
[SPEAKER_00]: You all gotta say that with me.
5:14
[SPEAKER_00]: From today moving on,
5:17
[SPEAKER_00]: We're not saying it is what it is.
5:19
[SPEAKER_00]: I need you to repeat after me right now.
5:22
[SPEAKER_00]: If you're driving in your car, if you're watching this live, type it inside of the chat section.
5:27
[SPEAKER_00]: If you're watching this on the replay after his live, I want you to type it inside a comment section.
5:33
[SPEAKER_00]: But right now, I want you to speak it out loud.
5:36
[SPEAKER_00]: From today moving on, it is what I decide it will be.
5:42
[SPEAKER_00]: Why?
5:42
[SPEAKER_00]: Because the Bible says, speak it.
5:47
[SPEAKER_00]: Speak it.
5:53
[SPEAKER_00]: I will be wealthy.
5:55
[SPEAKER_00]: I will be debt-free.
5:57
[SPEAKER_00]: I will change my family future.
5:59
[SPEAKER_00]: My children will be wealthy.
6:01
[SPEAKER_00]: My children will be able to have shoes.
6:03
[SPEAKER_00]: My children will be able to go to any college that they desire to go to.
6:08
[SPEAKER_00]: I am changing things through.
6:11
[SPEAKER_00]: Yeah.
6:14
[SPEAKER_00]: Here's moving number two.
6:17
[SPEAKER_00]: Learn to money rules.
6:20
[SPEAKER_00]: They never taught you.
6:23
[SPEAKER_00]: Learn to money rules.
6:25
[SPEAKER_00]: Your parents never taught you.
6:26
[SPEAKER_00]: They church never taught you.
6:28
[SPEAKER_00]: The schools never taught you.
6:29
[SPEAKER_00]: You see, nobody taught us this stuff growing up.
6:36
[SPEAKER_00]: And if you weren't raised around wealth, chances are you never learned how to manage money.
6:42
[SPEAKER_00]: I'm in school completing my MBA.
6:44
[SPEAKER_00]: I'll be done here in a couple of months.
6:46
[SPEAKER_00]: I cannot believe still to this fact that
6:49
[SPEAKER_00]: Man, I went back to school.
6:50
[SPEAKER_00]: I got my bachelor's in finance and banking.
6:52
[SPEAKER_00]: I got my executive MBA and church management.
6:55
[SPEAKER_00]: Then I start my doctoral program here in the fall.
7:00
[SPEAKER_00]: I'm in October, man, to get my doctorate of my DBA and my DBA in finance and investing.
7:08
[SPEAKER_00]: And what I was in my class, I had to do a presentation on my company.
7:11
[SPEAKER_00]: I had to do a SWAT analysis.
7:14
[SPEAKER_00]: And I'm gonna do some lessons on SWAT analysis, just so you all can learn this.
7:18
[SPEAKER_00]: That's well, I had to do a SWAT analysis on my company, while I was presenting to my particular class man, I had several people.
7:26
[SPEAKER_00]: who were in their forties and fifties and watched this.
7:28
[SPEAKER_00]: I even had young man in his twenties.
7:30
[SPEAKER_00]: You know, I love my class and a lot of my peers, my classmates are watching this right now and I love you all.
7:37
[SPEAKER_00]: Thank you so much for your words of encouragement here on this past week.
7:41
[SPEAKER_00]: But there was that man, Anthony, thank you for what you're doing because I never learned this.
7:45
[SPEAKER_00]: I had a fifty-five year old young lady who transitioned from being married to out of her own.
7:50
[SPEAKER_00]: She said, believe it or not, Anthony, at fifty-five years old, what you're teaching, I do
7:55
[SPEAKER_00]: Not, no, and I need to know.
7:57
[SPEAKER_00]: Then I had a twenty-year-old tell me, my man listened, and I grew up in the home, and my parents never taught me to sub that, that you just presented to us of what your company is about.
8:05
[SPEAKER_00]: So thank you so much.
8:06
[SPEAKER_00]: We don't take financial literacy serious within our age bracket.
8:13
[SPEAKER_00]: So if we were not raised around wealth, if our parents were not financially intellectually there, chances are we never learned how to manage money and respectfully.
8:27
[SPEAKER_00]: My parents didn't teach me how to build wealth.
8:29
[SPEAKER_00]: You know why?
8:30
[SPEAKER_00]: Because they weren't wealthy at that time from a practical standpoint.
8:34
[SPEAKER_00]: But let me tell you right now, it may not be your fault that you didn't know, but it is your responsibility to learn.
8:43
[SPEAKER_00]: Here are the five money rules that would change your life moving forward.
8:49
[SPEAKER_00]: All right.
8:49
[SPEAKER_00]: Number one, put this up there, Ed.
8:50
[SPEAKER_00]: Number one, money roll, it's been less than what you make.
8:54
[SPEAKER_00]: They sound super simple, but most people fail here.
8:58
[SPEAKER_00]: Number two, give each dollar a job, aka have a budget.
9:04
[SPEAKER_00]: Before you spend it, give that dollar an assignment.
9:08
[SPEAKER_00]: Number three, save before you spend it.
9:13
[SPEAKER_00]: pay God first, pay yourself next.
9:16
[SPEAKER_00]: Number four, debt, consumer debt, specifically, is not your friend.
9:22
[SPEAKER_00]: It's stealing from your future.
9:24
[SPEAKER_00]: Number five, you don't need to look like you got it to build wealth.
9:29
[SPEAKER_00]: This whole fake it till you make it is keeping us broke.
9:32
[SPEAKER_00]: No, be you until you make it to the next age.
9:37
[SPEAKER_00]: Those are the five simple money rules that I live by.
9:41
[SPEAKER_00]: I spend less than what I make, why?
9:43
[SPEAKER_00]: Because that creates margin.
9:45
[SPEAKER_00]: Well, it's built when you have margin.
9:47
[SPEAKER_00]: I was teaching at Fifthville State University a month ago, and I was teaching these high schoolers.
9:52
[SPEAKER_00]: And I said, man, do you understand what margin is?
9:54
[SPEAKER_00]: I was like, what is margin?
9:56
[SPEAKER_00]: And I told them on a day one, I told them to go home and ask their parents.
10:00
[SPEAKER_00]: Mom and dad, what does margin mean financially?
10:04
[SPEAKER_00]: I want to say about seventy five percent of the kids came back and they said the parents didn't understand margin.
10:09
[SPEAKER_00]: And margin simply this if I make five thousand and I'm only spending thirty five hundred dollars a month.
10:15
[SPEAKER_00]: I got fifteen hundred dollars in margin.
10:18
[SPEAKER_00]: That margin is what I use to build wealth.
10:20
[SPEAKER_00]: That is what I'm investing.
10:23
[SPEAKER_00]: So those five simple money rules.
10:26
[SPEAKER_00]: This is the foundation.
10:29
[SPEAKER_00]: That is going to help you build wealth.
10:32
[SPEAKER_00]: And I'm going to help you build on it.
10:34
[SPEAKER_00]: All right.
10:36
[SPEAKER_00]: So it's going to move number three.
10:37
[SPEAKER_00]: Move number three.
10:39
[SPEAKER_00]: You got to enter into the financial survival mode.
10:44
[SPEAKER_00]: What do I mean by survival mode?
10:48
[SPEAKER_00]: Simple terms.
10:50
[SPEAKER_00]: Cut the fluff.
10:53
[SPEAKER_00]: If you're struggling to breathe financially, it's time to enter financial survival mode.
11:01
[SPEAKER_00]: That means cutting everything that isn't a true need.
11:08
[SPEAKER_00]: Example, I am on this journey of becoming healthier.
11:14
[SPEAKER_00]: Forty-one years old and, man, I was sitting down my nutritionist and my coach.
11:20
[SPEAKER_00]: And he said, man, we gotta cut the fluff out.
11:22
[SPEAKER_00]: We need to cut out sugars.
11:23
[SPEAKER_00]: It's not helping you.
11:25
[SPEAKER_00]: Right now, we gotta cut out bread.
11:29
[SPEAKER_00]: It's not helping you right now.
11:31
[SPEAKER_00]: You gotta get into fat burning mode.
11:36
[SPEAKER_00]: You gotta get into feeding you things that you need and cutting out things that you necessarily do not need right now.
11:44
[SPEAKER_00]: Because if you can cut out the fluff, you'll get to your weight goals quicker.
11:50
[SPEAKER_00]: Sprinets back over to money.
11:52
[SPEAKER_00]: What are your needs?
11:53
[SPEAKER_00]: Rent utilities, groceries, transportations.
11:58
[SPEAKER_00]: What is the fluff?
12:00
[SPEAKER_00]: Netflix, door bags, gym memberships, Amazon splurges, mall runs, emotional spending, excessive dating.
12:08
[SPEAKER_00]: Yeah, I said it.
12:11
[SPEAKER_00]: Cut the dating, brothers, sisters.
12:14
[SPEAKER_00]: Cut going to the diagonal and hair and now spot every other week.
12:19
[SPEAKER_00]: Pause the Netflix.
12:23
[SPEAKER_00]: Council that gym membership, you ain't going every single day anyway.
12:28
[SPEAKER_00]: And if someone says yellow, you only live once, tell them, I'm trying to live well for as long as I can.
12:38
[SPEAKER_00]: Not just flakes one time and stay broke for the rest of my life.
12:43
[SPEAKER_00]: I'm not trying to live for today.
12:47
[SPEAKER_00]: And then when I'm seventy five freaking years old, I still gotta be at McDonald's, starting your day on grandchildren and getting cut out because they didn't have cheese on their burgers.
12:59
[SPEAKER_00]: At two o'clock in the morning, after they went to the club, I want to be in the bad sleep.
13:04
[SPEAKER_00]: I want to wake up.
13:05
[SPEAKER_00]: When I want to wake up, I want to go bad.
13:07
[SPEAKER_00]: When I want to go to bed, and I want to get my grandchildren.
13:09
[SPEAKER_00]: Whenever I want to get my grandchildren, and I want to spoil them and I crazy them.
13:13
[SPEAKER_00]: Send them back home to their parents.
13:15
[SPEAKER_00]: I want them to come over here and get cavities at my house.
13:20
[SPEAKER_00]: Send them back home.
13:24
[SPEAKER_00]: And because listen to me, temporary sacrifices, bills, permanent freedom.
13:30
[SPEAKER_00]: And if we could put that on the tweet on the screen somewhere, well I'm loving this, I'm loving this season that I'm in, temporary sacrifices, build permanent freedom.
13:41
[SPEAKER_00]: Alright family, let me keep it real with you.
13:43
[SPEAKER_00]: Right now.
13:44
[SPEAKER_00]: You see, most people avoid talking about life insurance because it's uncomfortable.
13:49
[SPEAKER_00]: It takes forever to get approved and honestly, it feels like you're planning for the worst.
13:54
[SPEAKER_00]: Totally kidding, right?
13:56
[SPEAKER_00]: But I see an exact same thing.
13:58
[SPEAKER_00]: Here's what changed in my mind.
14:01
[SPEAKER_00]: You see, forty percent of Americans don't have life insurance at all.
14:04
[SPEAKER_00]: The ones who do, their policies are usually worth just two times their annual salary.
14:09
[SPEAKER_00]: That's nowhere near enough money to protect your family, to protect the people who you say you love.
14:14
[SPEAKER_00]: Can you know me?
14:15
[SPEAKER_00]: I don't partner with just anybody.
14:16
[SPEAKER_00]: But when I found ethos, I got my own two million dollar policy because they made it extremely simple.
14:23
[SPEAKER_00]: No medical exams, no blood tests, no waiting weeks.
14:26
[SPEAKER_00]: I literally got covered in ten minutes from my phone.
14:29
[SPEAKER_00]: Note life.
14:30
[SPEAKER_00]: Over two thousand families get approved through ethos every single day.
14:34
[SPEAKER_00]: They've got an A plus rating with the better business bureau and four point eight out of five stars on trust power.
14:40
[SPEAKER_00]: These aren't just numbers.
14:41
[SPEAKER_00]: These are real families getting protected right now.
14:44
[SPEAKER_00]: Here's your bike insurance rates go up and by eight to ten percent every single year you wait.
14:49
[SPEAKER_00]: The same policy I got a few years ago will cost me way more if I buy today.
14:54
[SPEAKER_00]: Your family's financial security should never depend on your paycheck alone.
14:59
[SPEAKER_00]: That's not building well.
15:00
[SPEAKER_00]: Don't wait until it's too late.
15:03
[SPEAKER_00]: want you to visit anthonylo.com for us as ethos to get a free quote today.
15:08
[SPEAKER_00]: You're going to apply a minute.
15:09
[SPEAKER_00]: You're going to get covered today.
15:10
[SPEAKER_00]: You're going to protect your family's future.
15:13
[SPEAKER_00]: We're counting on you.
15:14
[SPEAKER_00]: Go to anthonylo.com for us as ethos.
15:19
[SPEAKER_00]: Which leads me to move number four.
15:21
[SPEAKER_00]: You've got to stack your first one thousand dollar emergency fund like yesterday.
15:29
[SPEAKER_00]: Before you start tackling your consumer debt,
15:33
[SPEAKER_00]: Before you start investing, I need you to stack cushion.
15:39
[SPEAKER_00]: Okay?
15:41
[SPEAKER_00]: Why?
15:42
[SPEAKER_00]: Because one flat tire, one medical bill, one miss check can take you out to gay.
15:51
[SPEAKER_00]: So I want you to start with just a thousand dollars.
15:53
[SPEAKER_00]: That's it.
15:54
[SPEAKER_00]: Don't aim for five thousand.
15:56
[SPEAKER_00]: I know why Tish have at least three to six months of your net pay saved inside of a Hollywood savings account.
16:01
[SPEAKER_00]: But right now, I need you to get a small win.
16:05
[SPEAKER_00]: I don't care if you have to sell old clothes on Facebook Marketplace.
16:09
[SPEAKER_00]: I'm actually selling a treadmill right now on Facebook Marketplace.
16:12
[SPEAKER_00]: I don't care.
16:14
[SPEAKER_00]: I don't care if you've got a babysitter on the weekends.
16:16
[SPEAKER_00]: I don't care if you've got a flip furniture.
16:17
[SPEAKER_00]: I don't care if you've got a drive Uber on Saturday mornings.
16:20
[SPEAKER_00]: Friday evenings being get off the work.
16:22
[SPEAKER_00]: Do whatever you've got to do to get that thousand dollars inside of your high yield saves account fast like yesterday.
16:30
[SPEAKER_00]: And the key here is, this money move is you have to have this in a separate account.
16:35
[SPEAKER_00]: Do not put it inside of your checking account because you're gonna be tempted to spend it.
16:39
[SPEAKER_00]: Do not even put it attached to your savings.
16:42
[SPEAKER_00]: Don't even put it inside of your savings account.
16:44
[SPEAKER_00]: That's a task to your checking account that you see every single day.
16:46
[SPEAKER_00]: No, this needs to be on a whole, another higher savings account.
16:52
[SPEAKER_00]: Out of sight means out of sight.
16:57
[SPEAKER_00]: out of sight means out of swipe.
17:01
[SPEAKER_00]: That one thousand dollars is your shield.
17:03
[SPEAKER_00]: It is your backup plan.
17:04
[SPEAKER_00]: It is your very first quick win.
17:07
[SPEAKER_00]: And when you get this thousand dollars, you're going to put this inside of your highest savings account.
17:13
[SPEAKER_00]: And we personally recommend so far here.
17:17
[SPEAKER_00]: Go to anthemunil.comforce.
17:19
[SPEAKER_00]: That's so fast.
17:20
[SPEAKER_00]: It should be a lower third up on the screen right now.
17:22
[SPEAKER_00]: If you're listening to this on podcast, we'll make sure to have that in the side of the side of the show knows.
17:28
[SPEAKER_00]: What I love about so far is if we're saving, if we're getting a thousand dollars, what they're going to give you three hundred dollars just to open up a check and then save as a count today.
17:37
[SPEAKER_00]: So now you really only need to set aside seven hundred dollars.
17:40
[SPEAKER_00]: For some of you all, that's the other maybe two or three items and you're at a thousand dollars.
17:45
[SPEAKER_00]: Just like
17:49
[SPEAKER_00]: Which moves me on the move number five, because I think a lot of you all are gonna have to really find some hidden money.
17:55
[SPEAKER_00]: It's there, our promise.
17:57
[SPEAKER_00]: You said, Anthony, we're gonna come up with seven hundred dollars.
17:59
[SPEAKER_00]: Well, we gotta find a money size budget.
18:02
[SPEAKER_00]: You can't just save your way to what thousand dollars.
18:05
[SPEAKER_00]: You just can't save your way to wealth.
18:07
[SPEAKER_00]: You need to create the margin.
18:10
[SPEAKER_00]: Here's how, it's simple.
18:11
[SPEAKER_00]: And we won't get a bunch of bills.
18:14
[SPEAKER_00]: call your providers in negotiate.
18:15
[SPEAKER_00]: I saved two hundred thousand month just by making phone calls.
18:19
[SPEAKER_00]: I actually saved.
18:20
[SPEAKER_00]: I'm going to be honest with you.
18:22
[SPEAKER_00]: I saved six hundred dollars.
18:26
[SPEAKER_00]: By calling around, I left State Farm.
18:29
[SPEAKER_00]: It was charging me about twelve to thirteen hundred dollars a month to ensure my cars.
18:33
[SPEAKER_00]: Then I called, not called around.
18:35
[SPEAKER_00]: I went online.
18:36
[SPEAKER_00]: And I just put all of my information out there.
18:39
[SPEAKER_00]: And all state came back and said, hey, we'll give you full coverage on all your cars for six hundred and twenty six hundred.
18:47
[SPEAKER_00]: I can't mirror these at mouth.
18:49
[SPEAKER_00]: Like six hundred fifty bucks somewhere around there.
18:50
[SPEAKER_00]: It's in the six hundred.
18:52
[SPEAKER_00]: When I was like, wait, what?
18:54
[SPEAKER_00]: So this is what I did, y'all.
18:56
[SPEAKER_00]: I didn't finish the application.
18:58
[SPEAKER_00]: Within a matter of an hour and a half, all of a sudden they called me.
19:02
[SPEAKER_00]: And I said, hey, man, this is what I need.
19:04
[SPEAKER_00]: This is what state farmers offer me.
19:05
[SPEAKER_00]: I need the exact same coverage on my cars.
19:09
[SPEAKER_00]: Is this the correct quote?
19:11
[SPEAKER_00]: Lady came back.
19:12
[SPEAKER_00]: I think it was like at first like six hundred and like eighty bucks.
19:15
[SPEAKER_00]: She said, yeah, and obviously, if you're willing to do a higher deductible, I said, what's the highest deductible?
19:21
[SPEAKER_00]: Right now you have about a thousand, but you can put it at twenty five hundred.
19:25
[SPEAKER_00]: If you put your height, if you put your deductible, twenty-five hundred dollars, then we can go down to save the boomer money.
19:32
[SPEAKER_00]: I said, not a problem.
19:34
[SPEAKER_00]: I got the money inside my savings account.
19:36
[SPEAKER_00]: Man, go up to the highest deductible.
19:40
[SPEAKER_00]: Watch this because I have two cars.
19:44
[SPEAKER_00]: She's like, well, we can take out roadside assistance because if one car goes down, you can use your other car.
19:48
[SPEAKER_00]: I said, bet, take roadside assistance out.
19:51
[SPEAKER_00]: I don't need it.
19:53
[SPEAKER_00]: Not rose side assistance?
19:54
[SPEAKER_00]: No, no, no, I'm sorry, rent the cars.
19:58
[SPEAKER_00]: Negotiating.
20:00
[SPEAKER_00]: I started cutting bills.
20:01
[SPEAKER_00]: Yeah, listen, the thirteen hundred dollars a month wasn't hurting my pocket.
20:03
[SPEAKER_00]: There may be honest with you.
20:06
[SPEAKER_00]: But why paid thirteen hundred would I be paying six hundred?
20:12
[SPEAKER_00]: What did that just do?
20:13
[SPEAKER_00]: It created margin.
20:16
[SPEAKER_00]: Another one is, you can sell some stuff.
20:19
[SPEAKER_00]: That old iPad, those old shoes that are collecting dust, some of them dresses you have with tags on them, man, sell that stuff.
20:28
[SPEAKER_00]: Another one is, bullshit income.
20:29
[SPEAKER_00]: Take a weekend shift.
20:33
[SPEAKER_00]: Deliver groceries, sell a digital product, start a stop hustle.
20:38
[SPEAKER_00]: Start a YouTube channel.
20:41
[SPEAKER_00]: Figure out a way to boost your income.
20:44
[SPEAKER_00]: If you can find even just a hundred dollars of margin a month, that's the game changer.
20:50
[SPEAKER_00]: That's twelve hundred dollars a year.
20:52
[SPEAKER_00]: That could fully fund your emergency account.
20:54
[SPEAKER_00]: Pay it out, credit card.
20:57
[SPEAKER_00]: Give you a little bit of breathing room.
20:59
[SPEAKER_00]: It's not alive.
21:00
[SPEAKER_00]: It's a little bit.
21:02
[SPEAKER_00]: And do not think small.
21:03
[SPEAKER_00]: Some of you are one idea away from a six-figure business.
21:09
[SPEAKER_00]: You're one idea away from a extra twenty five thousand dollars a year side hustle.
21:15
[SPEAKER_00]: You're one idea away from your next breakthrough and to help you find this money.
21:23
[SPEAKER_00]: Man, I want you to go to Anthony onel.com for slash twenty one day.
21:26
[SPEAKER_00]: You should see it coming up here in the screen on low or third.
21:29
[SPEAKER_00]: Again, if you're listening to this on the podcast, please go into the show notes.
21:33
[SPEAKER_00]: For twenty one days, we're going to send you an email.
21:36
[SPEAKER_00]: every single day for two new one days and we're gonna walk you through how to go through your budget, how to negotiate, where you can find some things.
21:44
[SPEAKER_00]: And I guarantee you by the end of these two new one days, you will find at least two hundred and fifty dollars up to a thousand dollars a month inside of your budget, simply by following this game plan.
21:56
[SPEAKER_00]: So go to Anthonyondil.com for slash twenty one days.
21:59
[SPEAKER_00]: Every single day when you wake up, you will have an email from me walking you through
22:05
[SPEAKER_00]: on what to do today to cut yourself home build, to cut your electricity bill, watch this, to even get some free airline miles while also saving you money.
22:17
[SPEAKER_00]: So again, go to Anthony on theo.com for us.
22:19
[SPEAKER_00]: That's when we went there.
22:20
[SPEAKER_00]: All right, I got like three more things.
22:23
[SPEAKER_00]: We'll get it out of here.
22:24
[SPEAKER_00]: Here's move number six.
22:26
[SPEAKER_00]: Use a written budget.
22:28
[SPEAKER_00]: Don't do it in the side of your head.
22:30
[SPEAKER_00]: Trust me on that.
22:31
[SPEAKER_00]: Oh, I think I got it.
22:33
[SPEAKER_00]: Wait, wait, no, no, no, no.
22:34
[SPEAKER_00]: Let's keep it real.
22:35
[SPEAKER_00]: You cannot win with money by guessing.
22:38
[SPEAKER_00]: A budget is honestly not a punishment.
22:40
[SPEAKER_00]: It is honestly permission to enjoy your money.
22:44
[SPEAKER_00]: It gives your money direction before you even touch it.
22:48
[SPEAKER_00]: I use as your base budget format.
22:50
[SPEAKER_00]: Every dollar gets assigned.
22:52
[SPEAKER_00]: Every expense is intentional.
22:55
[SPEAKER_00]: I don't win it.
22:57
[SPEAKER_00]: And what I've learned is financial winners, wealthy individuals, not rich people, wealthy individuals, they have a game plan for their money.
23:07
[SPEAKER_00]: You can go to anthonyl.com for us at store.
23:09
[SPEAKER_00]: You can download our budgeting tool there, our wealth tracker.
23:14
[SPEAKER_00]: We'll put that inside of today's show notes as well.
23:16
[SPEAKER_00]: There's so many products and resources, y'all.
23:18
[SPEAKER_00]: I can keep saying this for days and after every single point, but a lot of content and a lot of tools and resources are at anthonyl.com.
23:26
[SPEAKER_00]: You can go there and you have access to all this stuff that we're mentioning inside of today's show.
23:30
[SPEAKER_00]: All right, move number seven.
23:33
[SPEAKER_00]: Keep it real with your friends, aka your circle.
23:36
[SPEAKER_00]: There's no shame in saying, hey, I can't afford this right now.
23:39
[SPEAKER_00]: What's worse?
23:41
[SPEAKER_00]: Flexing like you're good, trying to keep up, and still being broke a year from now, or telling your friends you're on building.
23:49
[SPEAKER_00]: I've got some financial goals that I need to meet.
23:52
[SPEAKER_00]: I'm tired of struggling.
23:53
[SPEAKER_00]: I'm tired of living page of the page eight.
23:54
[SPEAKER_00]: Hey, it'd be real to you.
23:55
[SPEAKER_00]: I'm tired of looking like I got it all together.
23:57
[SPEAKER_00]: I'm ready to have it all together.
24:01
[SPEAKER_00]: So I'm gonna have to catch up with you a little bit later.
24:05
[SPEAKER_00]: because your real friends, they will totally understand.
24:09
[SPEAKER_00]: And the rest, man, let them talk about you.
24:11
[SPEAKER_00]: Let them call you broke, let them call you cheat, let them call you whatever they're gonna call you, man, because I guarantee you half of those friends are broken cheap and they need to be doing the same thing that you're doing.
24:23
[SPEAKER_00]: You'll be too busy living your best life financially free while they're still struggling and looking good.
24:31
[SPEAKER_00]: Trust me, I had friends who had the Mercedes who had the BMWs when I was growing up when I was on my journey of fixing my life.
24:38
[SPEAKER_00]: I had friends who were no longer my friends today because I just told them I was like, yo bro, I'm tired.
24:43
[SPEAKER_00]: And I'm tired.
24:45
[SPEAKER_00]: I am sick and tired of being sick and tired of my own gag on life.
24:50
[SPEAKER_00]: And if I want to change that, I gotta make some decisions.
24:53
[SPEAKER_00]: To this day they do not talk to me.
24:57
[SPEAKER_00]: But to this day, I know I have a, I don't wanna say a better light, because I'm not, I'm not a better individual, but I think I have more freedom.
25:07
[SPEAKER_00]: Moving number eight.
25:09
[SPEAKER_00]: Celebrate every single win.
25:11
[SPEAKER_00]: All right.
25:13
[SPEAKER_00]: Some of you have who watched my show, I'm gonna say either the most recent show or some of the most recent shows.
25:19
[SPEAKER_00]: I talked to you how to save ten thousand dollars and fifty two weeks.
25:23
[SPEAKER_00]: And on each, every four weeks, I wanted you to celebrate.
25:28
[SPEAKER_00]: because going from two hundred to five hundred to a thousand dollars and four weeks, that's massive.
25:34
[SPEAKER_00]: Because here's a truth.
25:35
[SPEAKER_00]: Some months are going to get messy.
25:38
[SPEAKER_00]: Some of your budgets are going to blow up.
25:40
[SPEAKER_00]: Some weeks you might feel like giving up, but I don't want you to.
25:44
[SPEAKER_00]: Someone to celebrate every single win.
25:47
[SPEAKER_00]: You put fifty dollars away this month.
25:48
[SPEAKER_00]: A celebrate that.
25:49
[SPEAKER_00]: That is a win.
25:50
[SPEAKER_00]: You paid off a bill.
25:51
[SPEAKER_00]: You paid off one of your debts.
25:53
[SPEAKER_00]: That is progress.
25:54
[SPEAKER_00]: That is a win.
25:55
[SPEAKER_00]: You made it through the month without borrowing without swiping your credit card.
25:58
[SPEAKER_00]: That is a win.
26:02
[SPEAKER_00]: I'll be honest with you all.
26:03
[SPEAKER_00]: When I go a whole week and I eat one hundred percent clean, I celebrate.
26:08
[SPEAKER_00]: How do I celebrate?
26:09
[SPEAKER_00]: I'll open up a spray.
26:13
[SPEAKER_00]: But I'm back on it.
26:15
[SPEAKER_00]: I celebrate wins because you're not feeling your building finances security for your future.
26:23
[SPEAKER_00]: And here is the last move that changed my life.
26:30
[SPEAKER_00]: I give you eight moves.
26:34
[SPEAKER_00]: Why have all eight of them if you don't activate it and start right now?
26:41
[SPEAKER_00]: Do not wait for the perfect time.
26:43
[SPEAKER_00]: I remember when I was telling my coach, I was like, man, I started right before my graduation.
26:49
[SPEAKER_00]: I said, bro, I work hard.
26:50
[SPEAKER_00]: I'm like a celebrate.
26:52
[SPEAKER_00]: Then when I look at that, I said, oh, man, and the memorial days come to come to come.
26:55
[SPEAKER_00]: Oh, man, Junting's all that, oh, man, my birthday is coming up.
26:58
[SPEAKER_00]: And I kept giving him these days when the perfect time of start.
27:02
[SPEAKER_00]: He said, Anthony, you would never find it perfect time because you're always finding the excuse and the reason to start late.
27:13
[SPEAKER_00]: Start.
27:14
[SPEAKER_00]: Okay, your birthday comes.
27:15
[SPEAKER_00]: Menace celebrate.
27:17
[SPEAKER_00]: How you celebrate it may shift a little bit, but you'll be able to indulge a little bit.
27:22
[SPEAKER_00]: Oh, man, fourth of July, okay.
27:24
[SPEAKER_00]: All right.
27:25
[SPEAKER_00]: You can still go to the barbecue.
27:26
[SPEAKER_00]: You just may not be able to eat the pork.
27:28
[SPEAKER_00]: You can get maybe some barbecue chicken.
27:33
[SPEAKER_00]: Remember, we're talking about mindset.
27:37
[SPEAKER_00]: And your mindset is the very beginning of everything.
27:43
[SPEAKER_00]: You're not a failure.
27:45
[SPEAKER_00]: You're starting.
27:47
[SPEAKER_00]: And that's something most people never do.
27:50
[SPEAKER_00]: They do not start.
27:52
[SPEAKER_00]: So today, I want you to make a decision to do something different.
27:56
[SPEAKER_00]: Don't wait for a raise.
27:58
[SPEAKER_00]: Don't wait for me things calm down.
28:00
[SPEAKER_00]: I want you to start today.
28:03
[SPEAKER_00]: And what you do have, use it.
28:07
[SPEAKER_00]: You got God.
28:09
[SPEAKER_00]: You have strength, you have power.
28:11
[SPEAKER_00]: It doesn't take luck.
28:13
[SPEAKER_00]: it just takes a determined mindset and consistency.
28:18
[SPEAKER_00]: You can do this y'all.
28:18
[SPEAKER_00]: Listen, made that one decision, make that one paycheck decision to start today.
28:27
[SPEAKER_00]: One dollar at a time.
28:31
[SPEAKER_00]: I went from being broken by twenties to never worrying about money again using these nine money moves.
28:38
[SPEAKER_00]: If you implement even three of these, your financial life will change, but if you implement all nine,
28:44
[SPEAKER_00]: you'll be unrecognizable within the next twelve months.
28:47
[SPEAKER_00]: By this time next year, you will not be the same person.
28:52
[SPEAKER_00]: Listen, drop a comment and let me know which move you're starting with today.
28:56
[SPEAKER_00]: And this helped you through my favorite hit that like button, hit that subscribe button, and come back for our next show.
29:02
[SPEAKER_00]: We'll see you soon.
29:02
[SPEAKER_00]: Peace out.