Latest / The Table with Anthony ONeal / What I’d Do With My First $500 If I Started Investing Today: My Step-by-Step Plan for 2026

Transcript

What I’d Do With My First $500 If I Started Investing Today: My Step-by-Step Plan for 2026 · The Table with Anthony ONeal

0:00
[SPEAKER_00]: There was a day where my bank account was negative $350.
0:03
[SPEAKER_00]: I was living in Jacksonville, Florida at the time.
0:07
[SPEAKER_00]: It wasn't low, y'all, it was negative.
0:09
[SPEAKER_00]: And nobody on that during that particular time was asking me that day what index fund to actually purchase because I wasn't a financial thought leader in that space.
0:21
[SPEAKER_00]: So if you click this because you've got a little money set aside and no idea and I mean it's no idea of what to do with it Today's episode is going to be for you because what I've learned about my years of experiencing this space is that most people watching this and most people actually think
0:38
[SPEAKER_00]: They need a large amount of money, $5,000, $10,000, $50,000, and even a six-figure salary before investing becomes a conversation for them before, investing becomes something they actually do and can benefit from.
0:52
[SPEAKER_00]: The amount in my personal opinion was never to think stopping us.
0:58
[SPEAKER_00]: is always been the strategy and the lack of strategy that will stop stopping us.
1:04
[SPEAKER_00]: So today's episode, I'm going to do something that most financial influencers and YouTubers and podcasters on this topic will not do.
1:12
[SPEAKER_00]: I'm now not going to make you wait 20 minutes to answer the question.
1:16
[SPEAKER_00]: And the next three minutes, I'm going to tell you exactly what I would do with the first $500 that I had to invest.
1:23
[SPEAKER_00]: the split and what I'll buy and I'm going to name it out loud.
1:27
[SPEAKER_00]: Then, I'm spending a little bit of time for the rest of this video showing you why and where the $500 should come from if you do not have it today.
1:37
[SPEAKER_00]: Rather, September 2006 is a terrible time to start.
1:41
[SPEAKER_00]: We don't know.
1:42
[SPEAKER_00]: We're going to talk about it today.
1:44
[SPEAKER_00]: what it turns into 30 years, the $500.
1:47
[SPEAKER_00]: And the three ways I have watched people do all of this right, watch this, listen to me clearly, and they still end up with nothing.
1:57
[SPEAKER_00]: You all know that I had the extreme honor of teaching consumer economics at Virginia Union University, where I particularly graduated with my master's and my bachelor's.
2:07
[SPEAKER_00]: And now I'm finishing my doctorate degree and finance and investing at one of the best Christian universities' region university.
2:14
[SPEAKER_00]: And the book, the book I just published, started in page at a paycheck, started as my doctoral research.
2:21
[SPEAKER_00]: So today is not just me just regurgitating something.
2:25
[SPEAKER_00]: Now, today I'm going to give you some actual answers that I believe is important for us if you're going to start investing in 2026.
2:35
[SPEAKER_00]: So let's get to it.
2:37
[SPEAKER_00]: You got $500.
2:38
[SPEAKER_00]: Here's exactly.
2:41
[SPEAKER_00]: If I was starting from scratch in 2026, what I would do with it today, 400 of it goes into the S&P 500 index fund.
2:50
[SPEAKER_00]: The other 100 goes into something with more growth in it.
2:54
[SPEAKER_00]: That's the whole strategy for $500.
2:58
[SPEAKER_00]: We call this here, and I'll talk about this in my book, start living paycheck to paycheck, the 80-20, all right?
3:05
[SPEAKER_00]: The 80-20.
3:05
[SPEAKER_00]: Now, let me explain the $400, because if you've watched five videos on this and still weren't sure what anybody was actually telling you to buy, let's be real, there's no shame in the game, because nothing was explained.
3:20
[SPEAKER_00]: Nobody really explained it, and I wish,
3:23
[SPEAKER_00]: When I had to extra $500 when I was 20 years old, somebody came out with the video, do this with $500.
3:30
[SPEAKER_00]: And I wanna pause right there because I want you to understand something.
3:36
[SPEAKER_00]: Some of you are watching this today and you don't have $500.
3:39
[SPEAKER_00]: You may have a hundred.
3:40
[SPEAKER_00]: I want you to apply the same math, 8020 to that hundred, $80.
3:45
[SPEAKER_00]: bio fractional share $20 invested into something else, right?
3:50
[SPEAKER_00]: So don't get discouraged if you don't have five.
3:56
[SPEAKER_00]: listen to the principles, apply it wherever you are, all right.
4:01
[SPEAKER_00]: So the S.A.P.
4:02
[SPEAKER_00]: 500 is a collection of the 500 largest, most profitable companies in America.
4:07
[SPEAKER_00]: We're talking about Apple, who just got a brand new CEO, Microsoft, who's one of the richest people in the world in video Amazon, Google, you name it.
4:16
[SPEAKER_00]: the companies whose products are in your hand and in your house literally right now.
4:21
[SPEAKER_00]: So when you buy an SP500 index fund, you're buying a tiny piece of all 500 of them in one purchase.
4:30
[SPEAKER_00]: You don't have to pick the winner.
4:33
[SPEAKER_00]: You don't have to know which one is next.
4:35
[SPEAKER_00]: You own the whole thing.
4:38
[SPEAKER_00]: Remember that.
4:39
[SPEAKER_00]: you own all 500 a piece of all 500 of the companies and check this out.
4:49
[SPEAKER_00]: It has averaged about 10% a year over the last several decades.
4:54
[SPEAKER_00]: When I say 10% I'm talking about a 10% return.
4:57
[SPEAKER_00]: The key word though is average.
5:00
[SPEAKER_00]: That did not happen every single year.
5:03
[SPEAKER_00]: Some years it ran like at 20%.
5:06
[SPEAKER_00]: Some years y'all let fail to four or five percent.
5:10
[SPEAKER_00]: So I'm talking about the averaged, all right?
5:12
[SPEAKER_00]: When they said that's super clear.
5:15
[SPEAKER_00]: Now, I know some of you are saying, Anthony, give me the ticker symbol.
5:18
[SPEAKER_00]: I know you do, I know, I know.
5:20
[SPEAKER_00]: You want me to say the letters out loud so you can go type them in and be done with this.
5:25
[SPEAKER_00]: I get it, trust me, I get it.
5:27
[SPEAKER_00]: But today's episode, I'm not going to do that.
5:29
[SPEAKER_00]: And I want to tell you why instead of dodging it.
5:31
[SPEAKER_00]: I teach principles, not picks.
5:33
[SPEAKER_00]: I'm saying it one more time.
5:34
[SPEAKER_00]: I teach principles, strategies, not picks.
5:38
[SPEAKER_00]: The category is the answer.
5:46
[SPEAKER_00]: Any major brokerage has one, look at the expense ratio, take the cheap one, and get on with your life.
5:58
[SPEAKER_00]: I wanna say this one, a very, very beginning.
6:01
[SPEAKER_00]: A ticker doesn't survive contact with your actual situation, a principle does.
6:09
[SPEAKER_00]: you'll be making this decision again at 40.
6:11
[SPEAKER_00]: Watch this at 60 and at 70.
6:14
[SPEAKER_00]: And I'll rather you know how to make it than know what I bought.
6:22
[SPEAKER_00]: We have so many people online talking about this.
6:24
[SPEAKER_00]: I bought that in.
6:25
[SPEAKER_00]: I got this and I got that.
6:26
[SPEAKER_00]: Not an bump that here at the table.
6:29
[SPEAKER_00]: I'm teaching principles and strategy.
6:32
[SPEAKER_00]: You take the principles and strategy, apply it to the level you're at right now.
6:37
[SPEAKER_00]: And then talk about what you're doing, be proud about what you're doing with your income.
6:43
[SPEAKER_00]: That's the answer.
6:44
[SPEAKER_00]: $400 an index fund, $100 an accelerator, 80% an index fund, 20% an an accelerator.
6:53
[SPEAKER_00]: Now, let's be honest, you can go ahead and close the video right now.
6:58
[SPEAKER_00]: You can close today's episode right now and you'll be further ahead than you were four minutes ago.
7:04
[SPEAKER_00]: But if you do.
7:06
[SPEAKER_00]: You'll be one of the people I talk about towards the middle of this episode.
7:11
[SPEAKER_00]: The ones who did everything right and still ended up with nothing.
7:15
[SPEAKER_00]: Because knowing the answer has never been the hard part.
7:19
[SPEAKER_00]: Come on, think about it.
7:20
[SPEAKER_00]: We all know if you want to be wealthy, you got to invest in something.
7:24
[SPEAKER_00]: We all know that if you want to get to a destination, you need transportation.
7:30
[SPEAKER_00]: So we all know the answer for the most part.
7:34
[SPEAKER_00]: for the most part.
7:35
[SPEAKER_00]: So stay with me and I'm gonna show you why that splits.
7:42
[SPEAKER_00]: Where the money comes from and what is worth in 30 years.
7:47
[SPEAKER_00]: All right?
7:49
[SPEAKER_00]: Ooh.
7:50
[SPEAKER_00]: All right.
7:51
[SPEAKER_00]: Let's, let's, let's have this conversation.
7:52
[SPEAKER_00]: I'm feeling good today, man.
7:53
[SPEAKER_00]: I wish I had my PowerPoint set, man.
7:55
[SPEAKER_00]: I mean, I feel real, real, real good today.
7:58
[SPEAKER_00]: So I got told you before, I called this the 80 20 wealth building strategy and it's how you turn small money into big money without losing it on the way how do we how do we gain money without losing a lot of money on the way so 80% for me is into safe and proven and boring stuff 20% is into higher growth and into.
8:28
[SPEAKER_00]: It's what I teach, it's not always sexy, it's not always fun, but it's the best strategy.
8:36
[SPEAKER_00]: I call it, it's the Tim Duncan play with a little bit of Alan Alvison.
8:42
[SPEAKER_00]: The 80 is your foundation.
8:44
[SPEAKER_00]: Money that tracks the overall market, and set a betting on one single company.
8:52
[SPEAKER_00]: I'm gonna tell you this right now, index funds, mutual funds, ETFs, they're boring.
8:59
[SPEAKER_00]: They're not sexy.
9:01
[SPEAKER_00]: Nobody's supposed to screenshot's about them, but here's the thing, they work, and that's the whole argument.
9:07
[SPEAKER_00]: Tim Duncan was kind of boring to watch.
9:10
[SPEAKER_00]: Tim Duncan, watch this.
9:13
[SPEAKER_00]: was not even the cleanest dresser, but he has more rings than the Brian James.
9:21
[SPEAKER_00]: Island Iverson, Jalen Rose, and that I say his name right, hopefully I did.
9:26
[SPEAKER_00]: They got crazy crossovers, they were dope to watch, but they have no rings, I don't want you to sit with that, because it's the part that actually matters.
9:40
[SPEAKER_00]: It isn't attractive, it isn't fun, but watch this, it is effective.
9:46
[SPEAKER_00]: The strategy that builds wealth in this country is almost never the one that looks exciting from the outside.
9:54
[SPEAKER_00]: Check this out, family.
9:56
[SPEAKER_00]: Did you know that nearly 4 in 10 Americans still have zero money invested in the stock market?
10:02
[SPEAKER_00]: That's a gap where wealth is built on this.
10:06
[SPEAKER_00]: If you're just saving you're falling behind because the market's average close to about a 10% a year for a century while your savings account is barely keeping up with inflation.
10:17
[SPEAKER_00]: I want to make this plan.
10:18
[SPEAKER_00]: If you wait just five years to start investing, you could lose out on hundreds of thousands of dollars in future wealth.
10:25
[SPEAKER_00]: That's not hype, that's real math.
10:27
[SPEAKER_00]: The wealthiest 10% of Americans now own over 90% of all sides because they started and they stayed consistent.
10:35
[SPEAKER_00]: But here's the thing, you don't need to be rich to honestly get inside of the investing game.
10:40
[SPEAKER_00]: With platforms like SoFi Invest, Public and Mumu, you can open the account today.
10:45
[SPEAKER_00]: Start with as little as $1 literally, and buy fractional shares of the same assets that have built generational wealth for millions.
10:53
[SPEAKER_00]: No commissions, 100% no excuses on your in.
10:56
[SPEAKER_00]: Listen, I need you to hear me clearly.
10:58
[SPEAKER_00]: Stop sitting on a sideline.
11:00
[SPEAKER_00]: Go to amphonyonil.com for session vests right now to compare the top investing platforms and open your first investing account today.
11:08
[SPEAKER_00]: Your future self and your children's children will thank you for taking action right now.
11:13
[SPEAKER_00]: We have to start building well, not just watching others get rich.
11:19
[SPEAKER_00]: do not let another year go by.
11:21
[SPEAKER_00]: That's what matter of fact, don't let another day go by.
11:23
[SPEAKER_00]: Take the first step family.
11:25
[SPEAKER_00]: Visit amphonyonil.com for Sasha Invest.
11:28
[SPEAKER_00]: Let's get to work.
11:29
[SPEAKER_00]: Let's start investing ASAP.
11:31
[SPEAKER_00]: Let's get back to the show.
11:35
[SPEAKER_00]: Now, let's talk about the other 20.
11:39
[SPEAKER_00]: The 20 is your accelerator.
11:41
[SPEAKER_00]: It's a little more risk for the chance for a more reward.
11:46
[SPEAKER_00]: A growth fund, maybe an individual company, you actually understand and believe in.
11:52
[SPEAKER_00]: This is where you're allowed to have a little bit of risk and a little bit of, I would say, a reach.
11:58
[SPEAKER_00]: And this is going to be your, okay, let's, oh, this is good, this is good.
12:05
[SPEAKER_00]: Maybe this is your LeBron James.
12:07
[SPEAKER_00]: We don't know.
12:09
[SPEAKER_00]: Maybe this is your Steph Curry.
12:11
[SPEAKER_00]: We don't know.
12:15
[SPEAKER_00]: Or maybe this is going to be an universe hit.
12:17
[SPEAKER_00]: We don't know.
12:19
[SPEAKER_00]: But here, me, 20% is a ceiling.
12:24
[SPEAKER_00]: This is not a suggestion.
12:26
[SPEAKER_00]: If you're part of my community, 20% is your ceiling, because remember, we're being strategic, not reckless.
12:35
[SPEAKER_00]: It's capped at 20, so that being wrong only costs you out of the $500 and a lesson.
12:43
[SPEAKER_00]: and never your foundation, never the potential to lose your future freedom when it comes to finances.
12:52
[SPEAKER_00]: Now, 100 is not going to change your life, let me be honest.
12:56
[SPEAKER_00]: And I know that, and I think you know that.
12:59
[SPEAKER_00]: That was never what this was for.
13:02
[SPEAKER_00]: I always say that my 20% is tuition.
13:06
[SPEAKER_00]: So in this case,
13:11
[SPEAKER_00]: maybe even half, and you'll fill it in your stomach.
13:15
[SPEAKER_00]: That pool to sell, to get out, to stop bleeding, every investor feels that I fill it.
13:25
[SPEAKER_00]: The only question is whether you learn it on a hundred dollars, watch this, or a hundred thousand.
13:34
[SPEAKER_00]: Do you learn it on a hundred?
13:37
[SPEAKER_00]: Oh, no, a hundred over here, a hundred thousand?
13:40
[SPEAKER_00]: or 100 dollars.
13:43
[SPEAKER_00]: And if you put the whole $500 in the foundation and skip the accelerator, listen, I'm not going to argue with you.
13:52
[SPEAKER_00]: You'll be followed me.
13:53
[SPEAKER_00]: I'm going to be honest with that.
13:56
[SPEAKER_00]: I even think that if your buff 60, maybe that should be 90 10 90% into the foundation
14:05
[SPEAKER_00]: But let me tell you why, I still want that 20% there for the most of us.
14:09
[SPEAKER_00]: Investing is a long term thing.
14:11
[SPEAKER_00]: It's a long term sport.
14:12
[SPEAKER_00]: We're talking about 30-plus years.
14:14
[SPEAKER_00]: And a thing that takes people out.
14:17
[SPEAKER_00]: of it is almost never a bad fun.
14:20
[SPEAKER_00]: Honestly, it is what I call boredom.
14:23
[SPEAKER_00]: The 80s don't exactly what it's supposed to do, which is almost nothing you can see.
14:28
[SPEAKER_00]: Month after month, almost nothing.
14:32
[SPEAKER_00]: And people quit right there because it doesn't feel like anything is happening.
14:36
[SPEAKER_00]: So the 20 gives all of us, because I'm in this thing too, something to watch.
14:40
[SPEAKER_00]: It keeps you engaged with your own money while the boring part does the actual work.
14:50
[SPEAKER_00]: I hope this is making sense, because I need you to hear me.
14:54
[SPEAKER_00]: The 20% is not permission to gamble.
14:58
[SPEAKER_00]: There is a true difference between a growth fund and a cooling somebody mentioned on the internet at 11 o'clock at night when you were scrolling through your bed.
15:08
[SPEAKER_00]: If you can't explain it in one sentence what the company does and how it makes money, that is not your 20.
15:16
[SPEAKER_00]: that is a lottery ticket wearing a beautiful tuxedo suit.
15:23
[SPEAKER_00]: This is what thinking like wealthy looks like on income you actually have.
15:28
[SPEAKER_00]: This is what, when I study the wealthy people, they got a strategy, okay, we wanna put our money into proven places, we're gonna put our money into things that are not proven, but it could be worth something here in the future.
15:46
[SPEAKER_00]: strategy.
15:48
[SPEAKER_00]: Now I know some of you have been sitting there this whole time with the same thought, running underneath everything I've said.
15:54
[SPEAKER_00]: And I get it because you're saying, I don't have $500 and that's the whole problem.
16:04
[SPEAKER_00]: This next part of today's episode.
16:08
[SPEAKER_00]: And I believe this is the part that a lot of people in the financial influencer space do not talk
16:16
[SPEAKER_00]: No one else really makes content for the average everyday people.
16:21
[SPEAKER_00]: And I've heard my community like, AO, we come to you because we think you get us.
16:26
[SPEAKER_00]: We come to you because I don't have 10,000, 15,000, 20,000 dollars to any of us.
16:32
[SPEAKER_00]: I got to hunt it.
16:34
[SPEAKER_00]: I got five, I got a thousand.
16:36
[SPEAKER_00]: I got maybe 25 hunting.
16:39
[SPEAKER_00]: Can you help me get to the point to where I can have 10,000, 15,000 dollars on this?
16:44
[SPEAKER_00]: I can't.
16:47
[SPEAKER_00]: I don't know if this show's coming out before the 22nd of the month.
16:52
[SPEAKER_00]: Um, I think it's a 22nd.
16:54
[SPEAKER_00]: Let me, let me, let me check my phone here real quick.
16:59
[SPEAKER_00]: We're going to be doing something.
17:00
[SPEAKER_00]: Yes, on September 22nd.
17:04
[SPEAKER_00]: Um, we're going to be doing a free webinar to where we're going to show you how to find a thousand dollars inside of your budget guarantee within the next 21 days.
17:12
[SPEAKER_00]: If this show comes out before Dan will drop the information below, but if it comes out after we're definitely gonna do this again, but I really feel called, no, we're not launching, no on this one right here, we're not launching, no course, you know, we're not selling you a book, we're definitely gonna mention a book because we wanna make sure that we help people, but I literally wanna spend time on our community and help you find a thousand dollars extra backing your budget a month, every single month, and we gotta strategy for it.
17:41
[SPEAKER_00]: because what I've learned is that most people assume the answer is always earn more, you know, get a raise.
17:48
[SPEAKER_00]: Go pick up a side hustle, like driving, driving for Uber, or maybe go work a second, five to nine job.
17:55
[SPEAKER_00]: And the truth of the fact is, you can do all of that.
17:57
[SPEAKER_00]: And one day, it's a conversation we need to have.
18:00
[SPEAKER_00]: But the first 500 hours doesn't come from earning more.
18:03
[SPEAKER_00]: It comes from live items you're already paying every single month inside of your budget.
18:09
[SPEAKER_00]: And two of them require no discipline from you whatsoever.
18:14
[SPEAKER_00]: They require simply a little bit of your time and two phone calls.
18:19
[SPEAKER_00]: And I want to give you these right now.
18:22
[SPEAKER_00]: Here's number one.
18:23
[SPEAKER_00]: It's your cell phone bill.
18:25
[SPEAKER_00]: Did you know that most Americans are paying $70 and maybe even up to $125 a month per line to one of the big carriers?
18:34
[SPEAKER_00]: Here's what most people do not know.
18:36
[SPEAKER_00]: There are carriers running on those exact same towers.
18:40
[SPEAKER_00]: The same Verizon, the same AT&T, the same T-Mobile network networks, reselling those
18:51
[SPEAKER_00]: You have the same coverage, the same iPhone, the same bars, and the same parking lot.
18:59
[SPEAKER_00]: Nothing about your services will change.
19:02
[SPEAKER_00]: You've been paying retail for something available at wholesale price.
19:07
[SPEAKER_00]: Call it $45 a month back in your pocket permanently for one phone call.
19:16
[SPEAKER_00]: one phone call.
19:17
[SPEAKER_00]: And we're going to list some other extra information like the companies, the best companies looking to in today's show notes.
19:24
[SPEAKER_00]: So listen, don't complain and say, AOI don't have the money, but you refuse to go from Verizon to this company when they're using the same towers.
19:37
[SPEAKER_00]: You see, the greatest enemy to your financial success is your excuse.
19:43
[SPEAKER_00]: Oh my God, that's just, I just trust Verizon and have been with them for 10 years.
19:47
[SPEAKER_00]: Yeah, they got your money, you still live in paycheck to paycheck, and you could put 45 dollars back in your pocket.
19:53
[SPEAKER_00]: to use the same towers, it would just have a different cell phone company name.
19:58
[SPEAKER_00]: And I'm sorry, last time someone called me, it didn't say, hold on way to minute for this VIP Verizon cell phone, a Verizon customer.
20:08
[SPEAKER_00]: We don't even know what company some of our friends have.
20:14
[SPEAKER_00]: Which leads me to number two, your car insurance.
20:18
[SPEAKER_00]: When is the last time you shopped it?
20:22
[SPEAKER_00]: Come on, let's be honest.
20:23
[SPEAKER_00]: Most people can't even answer that.
20:25
[SPEAKER_00]: And that is exactly what the industry counts on.
20:29
[SPEAKER_00]: 92% of drivers who swiss carriers, insurers carriers, save money guarantee.
20:36
[SPEAKER_00]: Not a handful, not 30%, I'm talking about 92%, not out of 10 people.
20:42
[SPEAKER_00]: who changed their providers saved money and my research shows based upon my particular website on average my community, if you use my tool, will save in between $200 to $900 a year.
20:58
[SPEAKER_00]: And y'all heard my story, I have anxiety cars.
21:02
[SPEAKER_00]: That's not a flex, that's just a truth.
21:05
[SPEAKER_00]: I was paying crazy money.
21:07
[SPEAKER_00]: I put $1,000 back in my pocket.
21:11
[SPEAKER_00]: 1000 dollars back in my pocket from using the same tool for me shopping and y'all gonna be honest with you I was I was with Um, um, um, I'm state farm.
21:20
[SPEAKER_00]: I believe or all state or something like that.
21:22
[SPEAKER_00]: I can't remember them because I was with about with them for years Use my tool.
21:26
[SPEAKER_00]: Yes.
21:26
[SPEAKER_00]: I was with state farm use my tool went over to all state all state cut them in half
21:33
[SPEAKER_00]: All state is coming up.
21:35
[SPEAKER_00]: I'm about to do another research.
21:38
[SPEAKER_00]: And see if I can get the release, give me 25% back in my pocket.
21:43
[SPEAKER_00]: Because here's the truth.
21:44
[SPEAKER_00]: Loyalty is not rewarded in the market.
21:49
[SPEAKER_00]: Nobody's gonna call you.
21:50
[SPEAKER_00]: I'm sorry, stay far, I'm not gonna call you until you've been a loyal company.
21:55
[SPEAKER_00]: I'm a loyal person for us over six years and the truth the fact is you're overpaying.
21:59
[SPEAKER_00]: So what we're gonna do, we're still gonna give you back your money and lower your cut heck now they're not doing that.
22:06
[SPEAKER_00]: But if you can spend one afternoon and get some quotes, spend five minutes.
22:10
[SPEAKER_00]: By going to the website, get some quotes.
22:13
[SPEAKER_00]: You can get an extra 25 to maybe 50 to $60 put back in your pocket every single month.
22:18
[SPEAKER_00]: Again, we're going to drop those, that information inside the show notes as a matter of fact, you should just go to anthonyl.com for slash car insurance.
22:28
[SPEAKER_00]: With these moments in number three, now this one ask.
22:33
[SPEAKER_00]: something of you and I'm going to be straight about that.
22:35
[SPEAKER_00]: It's food y'all.
22:37
[SPEAKER_00]: Listen, I'm not going to spend too much time on this because Americans spend $329 a month on average eating out.
22:44
[SPEAKER_00]: You work hard and you're allowed to enjoy your money.
22:47
[SPEAKER_00]: But I want to be clear about that.
22:49
[SPEAKER_00]: What I want you to see is watches.
22:53
[SPEAKER_00]: What those delivery apps are charging you for it.
22:56
[SPEAKER_00]: order in the same meal, it would delivery up, cost 79.5% more than driving over and picking it up.
23:04
[SPEAKER_00]: So this is round this up to roughly $10 extra per order for the same restaurant, same food, you drove past it going home, but you had to ship to your home because you too lazy to stop.
23:15
[SPEAKER_00]: And y'all need to show, I beat that's me too.
23:19
[SPEAKER_00]: So $10 for convenience of staying on your couch or not getting out of your car.
23:25
[SPEAKER_00]: If we just changed that four times a month, that's almost $40 and you didn't eat one by less.
23:33
[SPEAKER_00]: You just saved yourself $40.
23:35
[SPEAKER_00]: So now, $45 plus $25 plus $37, we're at about $117 to about $110 a month.
23:45
[SPEAKER_00]: So put it together.
23:46
[SPEAKER_00]: 45 dollars from your phone.
23:48
[SPEAKER_00]: Let's say 25 dollars on the low end for your insurance.
23:50
[SPEAKER_00]: Let's say $37 be exact on math for today from driving to pick up your own food.
23:55
[SPEAKER_00]: That's $107 a month back into your pocket.
24:00
[SPEAKER_00]: You are already spinning that inside of your budget.
24:03
[SPEAKER_00]: So over five months,
24:06
[SPEAKER_00]: You've got your $500 extra.
24:08
[SPEAKER_00]: No raise, no side hustle, no second job.
24:11
[SPEAKER_00]: That's what a budget actually is.
24:15
[SPEAKER_00]: A budget gives your money direction.
24:17
[SPEAKER_00]: And for the next five months, the direction is in the index fund.
24:22
[SPEAKER_00]: Now, I want to give it a fourth one, and this is the biggest one, and I say this one for that because all of us could be doing this.
24:30
[SPEAKER_00]: Health insurance.
24:32
[SPEAKER_00]: A lot of you are paying for a low-dedutable because they low-dedutable feel safe.
24:35
[SPEAKER_00]: So think back over the last year.
24:38
[SPEAKER_00]: How many times did you actually walk into a doctor's office?
24:43
[SPEAKER_00]: How many times?
24:45
[SPEAKER_00]: I walked into my doctor's office.
24:47
[SPEAKER_00]: Actually, it's a different kind of situation for me, but I would definitely say for a while, I was only gonna maybe two times a year.
24:54
[SPEAKER_00]: Now I'm going once a quarter because I just really wanna, if I'm being honest and vulnerable in my show, like I always am prostate cancer runs in the males of my family.
25:03
[SPEAKER_00]: So I'm trying to beat it.
25:04
[SPEAKER_00]: There's another reason why I changed my health, another reason why I lost weight because we know cancer for black man leaves lives in our gut.
25:12
[SPEAKER_00]: And I had to change that.
25:13
[SPEAKER_00]: I'm 42, right, and so, but when I look at it now, man, I don't go to the doctor that often.
25:22
[SPEAKER_00]: You see, an employer PPO plan for a family average is about $28,000 a year.
25:29
[SPEAKER_00]: the high deductible version of that same coverage averages about $25,000 a year for a family.
25:36
[SPEAKER_00]: So almost $29,000 a year, sitting in two columns on one screen during open enrollment.
25:43
[SPEAKER_00]: And here's the part almost no one tells you why, which is why it belongs in today's episode about investing.
25:50
[SPEAKER_00]: You see, when you move to a high deductible plan, you become eligible for an HSA, a health savings account.
25:59
[SPEAKER_00]: It's the only account and the entire American tax code that gives you all three.
26:05
[SPEAKER_00]: What do you mean by all three Anthony?
26:07
[SPEAKER_00]: The money goes in before taxes.
26:09
[SPEAKER_00]: It grows tax-free and it comes out tax-free when you spend it on anything around medical.
26:16
[SPEAKER_00]: Anything around your health.
26:18
[SPEAKER_00]: Your 401k, doesn't do that.
26:21
[SPEAKER_00]: Roth doesn't do that.
26:23
[SPEAKER_00]: And you can invest it.
26:30
[SPEAKER_00]: $8,750 for a family.
26:32
[SPEAKER_00]: That's what you can do.
26:35
[SPEAKER_00]: So you lowered your premium and open an investing account in the same move.
26:43
[SPEAKER_00]: Now, I believe I will be wrong.
26:45
[SPEAKER_00]: I'll be doing you wrong if I didn't stop there.
26:48
[SPEAKER_00]: This is not going to be for everybody.
26:50
[SPEAKER_00]: And if we have medical issues, if we know I have to get prescriptions every single month, if there's a huge surge of incoming up or maybe you have a baby on the way, I want you to stay right where you are.
27:04
[SPEAKER_00]: All right.
27:05
[SPEAKER_00]: Hold on to this route, do not switch until you can cover the deductible in 2026.
27:10
[SPEAKER_00]: That's at least I won't say about $1,700 for you alone.
27:15
[SPEAKER_00]: And then about $3,400 for a family and your worst case in a bad year is $8,517,000.
27:22
[SPEAKER_00]: at that money isn't sitting in your emergency fund on top of you if there are six months of your net pay.
27:27
[SPEAKER_00]: This stops being a savings and now it becomes a gamble and we don't gamble over here.
27:33
[SPEAKER_00]: And one more thing, there's a clock on this one.
27:35
[SPEAKER_00]: You can only make the move during open enrollment.
27:39
[SPEAKER_00]: on the marketplace, that's November 1 through January 15th.
27:43
[SPEAKER_00]: Most employers run theirs, I think, right around, I want to say October, till about end of November.
27:48
[SPEAKER_00]: I'll be doing the same thing here with my team.
27:51
[SPEAKER_00]: For a lot of you, that's another 150 dollars a month, which turns now your five months to get to 500 into two.
27:59
[SPEAKER_00]: All right.
28:04
[SPEAKER_00]: Now, here's the question that I promised you.
28:07
[SPEAKER_00]: And it's the one sitting underneath everyone and I'll say every comment I'm getting right now.
28:15
[SPEAKER_00]: I think the mark is at the all-time high and everyone sees that, right?
28:19
[SPEAKER_00]: Your coworker knows it, the new says it every night and somewhere in the back of your mind is the fear that you're about to hand over your $500 at the worst possible moment and 20 years.
28:30
[SPEAKER_00]: So let's deal with this honestly with real numbers because you deserve better than a pet talk, better just do this.
28:37
[SPEAKER_00]: No.
28:39
[SPEAKER_00]: So the SIP 500 has closed at a record high, 27 high, yeah, a record high, 27 separate times in 2026, except about I will say right around 13% on the year.
28:51
[SPEAKER_00]: So yes, you, you and I because I'm investing to will be buying near a time.
28:59
[SPEAKER_00]: Now, here's what nobody, or I was saying, yeah, yeah, yeah, I just want to say.
29:03
[SPEAKER_00]: Here's what nobody tells you about the phrase.
29:05
[SPEAKER_00]: And all time high is a normal condition of a market that rises over decades.
29:11
[SPEAKER_00]: And that's what rising actually means, if you didn't know that.
29:16
[SPEAKER_00]: If you had refused to invest on any day, the market said it record, you would have set out
29:23
[SPEAKER_00]: some of the best years.
29:25
[SPEAKER_00]: Listen to me.
29:26
[SPEAKER_00]: Some of the best years in American history waiting for a green light that actually never came.
29:34
[SPEAKER_00]: And I'll give you the harder half of this too, because I'd rather you hear it directly from me.
29:42
[SPEAKER_00]: The concentration and the index is real.
29:45
[SPEAKER_00]: The 10 largest companies now make up roughly 40% of the entire S&P 500.
29:50
[SPEAKER_00]: That share has doubled in 10 years.
29:53
[SPEAKER_00]: And video by itself is around 8% of it.
29:56
[SPEAKER_00]: So when somebody tells you an index fund means you own 500 companies, what you actually own is 10 companies doing most of the driving and 490 along for the ride.
30:09
[SPEAKER_00]: those 10 are largely writing the same story right now, which means they tend to move together in both directions.
30:21
[SPEAKER_00]: Now, I'm not going to pretend that that away.
30:24
[SPEAKER_00]: That's what the research says, and you should know what you own.
30:29
[SPEAKER_00]: So what do you do with it?
30:30
[SPEAKER_00]: If you don't wait, you buy on schedule.
30:34
[SPEAKER_00]: You buy when it's up and you buy what when it's down.
30:38
[SPEAKER_00]: You buy in a month, the headlines are ugly and somebody at work is telling you to get out, but you also buy and you keep buying because the schedule is to strategy and your fillings are not.
30:51
[SPEAKER_00]: I'm fearful, it's not a strategy.
30:53
[SPEAKER_00]: Schedule, strategy.
30:55
[SPEAKER_00]: Mark his up, buy, mark his down, buy.
30:59
[SPEAKER_00]: but you gotta make sure your emergency fun is fun day.
31:03
[SPEAKER_00]: Remember what I said?
31:04
[SPEAKER_00]: I've talked about this in my book, 36 months of your net pay.
31:07
[SPEAKER_00]: Somewhere safe and easy to get to.
31:11
[SPEAKER_00]: That is not investing.
31:13
[SPEAKER_00]: I call my emergency fun, I can sleep that night.
31:17
[SPEAKER_00]: I call my emergency fun, my piece fun.
31:20
[SPEAKER_00]: If life went crazy today, I got through to six months.
31:25
[SPEAKER_00]: And here's why it matters more than the fund does.
31:30
[SPEAKER_00]: The market falling has never been what hurt people.
31:34
[SPEAKER_00]: Selling it is what hurt people.
31:37
[SPEAKER_00]: And the only reason anybody sells at the bottom is because their transmission went out and the market was the only place they had money.
31:45
[SPEAKER_00]: That's it.
31:47
[SPEAKER_00]: That's the whole mechanism.
31:50
[SPEAKER_00]: Your emergency fund is not a savings goal.
31:55
[SPEAKER_00]: It's what buys you the right to hold on.
31:58
[SPEAKER_00]: It protects your piece.
32:02
[SPEAKER_00]: Now listen, you're gonna put this money inside of a brokerage account because you need a brokerage account.
32:08
[SPEAKER_00]: That's the whole thing.
32:10
[SPEAKER_00]: Isn't the account that lets you buy investments the same way a checking account that's you hold cash.
32:16
[SPEAKER_00]: And you do not need to find an answer to the buzzer to do this.
32:19
[SPEAKER_00]: Not for your first $500.
32:21
[SPEAKER_00]: One day, when we're talking about six plus figures, yeah, we're going to talk about a financial advisor.
32:27
[SPEAKER_00]: But you need to spend the next 10 minutes.
32:30
[SPEAKER_00]: After you watch today and listen today's episode, you need to go to AnthonyOnell.com for Sasha Invest.
32:36
[SPEAKER_00]: Open up at Broker's account, put your first $500 in there, put $100 in there, put $25 in there.
32:44
[SPEAKER_00]: You got to pick up brokerage account, give them your name, Social Security number, your address, it's the same information you give to a bank, because it's the same kind of regulation, right?
32:54
[SPEAKER_00]: Do you want to link your checking account to it?
32:56
[SPEAKER_00]: And you're going to move to $500 or whatever you have and it now you're done.
33:00
[SPEAKER_00]: Now watch this.
33:01
[SPEAKER_00]: Here's the next part, because it's where people lose a whole year.
33:07
[SPEAKER_00]: The money sitting in that account is not invested yet.
33:11
[SPEAKER_00]: Moving money into a brokerage account is like walking into a grocery store.
33:15
[SPEAKER_00]: You're walking to the building, but you didn't buy anything.
33:18
[SPEAKER_00]: So the main thing here is when you put money inside of the brokerage account, you need to go buy something by a index fund, put money into a index fund, we're going back to the 80, 20.
33:30
[SPEAKER_00]: Now you are invested.
33:32
[SPEAKER_00]: Now your money is working for you.
33:36
[SPEAKER_00]: Now, let me sharpen something because I said brokerage account and for most of you, there's a better door, a Roth IRA, it's some retirement account.
33:48
[SPEAKER_00]: You put in money, you already paid taxes on, it grows and when you pull it out and retirement years, you own nothing.
33:56
[SPEAKER_00]: not on what you put in, not on the growth, nothing at all.
34:01
[SPEAKER_00]: Sit with that.
34:02
[SPEAKER_00]: That means against the numbers, let me say it differently.
34:08
[SPEAKER_00]: Sit with what that means against the numbers I'm about to run.
34:13
[SPEAKER_00]: If that account grows, to let's say $252,000, $213,000 of that,
34:20
[SPEAKER_00]: is growth, you never worked for, in a day of your life, in a regular broker's account, you owe taxes on growth when you sell, and a Roth if you don't have one, you don't.
34:33
[SPEAKER_00]: Remember, everything is about a strategy.
34:36
[SPEAKER_00]: You need a brokerage account, but you also need a 401k.
34:39
[SPEAKER_00]: But you also need a Roth IRA.
34:41
[SPEAKER_00]: You also need an HSA.
34:43
[SPEAKER_00]: Do you see where I'm going here?
34:45
[SPEAKER_00]: Everything is about strategy, because every situation, every account, every access to something plays a role and to our financial freedom later on in life.
34:58
[SPEAKER_00]: Now, the word retirement just made some of you nervous, because you're wondering what happens if you need that money before you're owed.
35:06
[SPEAKER_00]: Well, here's what most people do not know about a rock.
35:09
[SPEAKER_00]: The money you put in your actual contributions, not the growth, you can take back out at any time at any age with no penalty.
35:18
[SPEAKER_00]: It's your money and you already pay taxes on it.
35:22
[SPEAKER_00]: Now, the growth has a different set of rules that you have to go by, but your personal contributions do not.
35:31
[SPEAKER_00]: Hopefully that makes, hopefully it makes sense.
35:34
[SPEAKER_00]: Comment below if today's episode is making sense and it's helping you understand what's going on.
35:41
[SPEAKER_00]: And I want to give you some order when it comes to investing.
35:44
[SPEAKER_00]: You got to take the full 401k match first.
35:48
[SPEAKER_00]: Then Roth IRA, then a regular brokerage account for anything past that.
35:53
[SPEAKER_00]: Remember strategy.
35:55
[SPEAKER_00]: We want to get the 401k match.
35:57
[SPEAKER_00]: Why?
35:57
[SPEAKER_00]: Because if I put $100 in there, my company doesn't give me $100 up to a certain amount of percent.
36:02
[SPEAKER_00]: Cool, great.
36:03
[SPEAKER_00]: Now, Roth IRA, I've already paid taxes on it, so I want tax free growth.
36:07
[SPEAKER_00]: It's a part of strategy.
36:08
[SPEAKER_00]: Now, wait, I'm looking over here and give me index fund, give me an ETF, because that's also a part of the strategy.
36:16
[SPEAKER_00]: Listen, I keep talking about this, but I can't talk about this in 45 minutes.
36:19
[SPEAKER_00]: I wrote a book, stop living paycheck to paycheck, and there are three main chapters on the right strategy on how to invest.
36:27
[SPEAKER_00]: So I need you to go to anthonyonyl.com forward slash book, get the book, then go to Amazon, go to Barnes & Noble, you could do it all.
36:37
[SPEAKER_00]: All right.
36:38
[SPEAKER_00]: So now, I'm gonna break this down and end today's episode because we're already way past our time.
36:45
[SPEAKER_00]: I wanna break this down with what it actually turns into.
36:48
[SPEAKER_00]: And we've done this math before so I'm not gonna, I'm not gonna sit here too long because I really want you to understand this.
36:57
[SPEAKER_00]: because so far I've asked you to change your phone plan, re-shop your car insurance, drive over and pick up your own food, and take a heart look at your health plan you've had for years.
37:09
[SPEAKER_00]: That's real work.
37:11
[SPEAKER_00]: So let me show you what the real work buys.
37:14
[SPEAKER_00]: Five hundred dollars to start.
37:15
[SPEAKER_00]: Also, hundred and seven dollars a month after that.
37:19
[SPEAKER_00]: Let's say 10% average.
37:21
[SPEAKER_00]: In 10 years, you have about $23,000, but you only put in $13,000 of that.
37:28
[SPEAKER_00]: So $10,000 is showed up without you having to work extra.
37:33
[SPEAKER_00]: What about 20 years?
37:35
[SPEAKER_00]: $85,000 and you only put in $26,000, and 30 years, basic math, $252,000, you only put in $39,000, but the market gave you $213,000.
37:39
[SPEAKER_00]: Don't you just sit with that.
37:41
[SPEAKER_00]: 30 years, I only put in $39,000 in my money,
38:13
[SPEAKER_00]: Get into your first $100,000 that $107 a month takes about 21 and a half years.
38:19
[SPEAKER_00]: That is a long time, and I'm not going to dress that up.
38:23
[SPEAKER_00]: The first $100,000 is a grind, and it's exactly where most people clicked.
38:31
[SPEAKER_00]: The second $100,000, six years, and a third $100,000, about another four years.
38:40
[SPEAKER_00]: Without a true data fact is, we can speed this up aggressively.
38:43
[SPEAKER_00]: It we can get you out of consumer debt.
38:45
[SPEAKER_00]: And you can go from $107 a month to now 15% of your income to where some of you are that may be $500 to $1,000 a month that you're investing that 20 something years now goes down to maybe eight years.
38:58
[SPEAKER_00]: Now it goes down from eight years to four years to two years.
39:01
[SPEAKER_00]: So one year to where every year you're seeing $100,000 added to your portfolio for your retirement years.
39:11
[SPEAKER_00]: It's the same money going in everyone, same return.
39:15
[SPEAKER_00]: The only thing that change is the size of the power that's working for you.
39:19
[SPEAKER_00]: And watch this, also the size of contributions because we've gotten you out of debt.
39:25
[SPEAKER_00]: That's what we call compounding.
39:27
[SPEAKER_00]: It doesn't roll at a steady speed, it accelerates, and it accelerates a little late.
39:33
[SPEAKER_00]: This is why I say my method is a little boring, but it works.
39:40
[SPEAKER_00]: This is why I get so excited to teach in that Virginia Union because someone who starts at $28 with $100, $17 a month ends up ahead of somebody who starts watching it at $40 with $400 a month.
39:50
[SPEAKER_00]: Because why they have time and a market and time and a market beats the amount you put in every single time, every single time.
40:03
[SPEAKER_00]: Every, I'm saying it's one more time, every single time.
40:10
[SPEAKER_00]: Put it in the comments below.
40:12
[SPEAKER_00]: Did this stuff make sense?
40:15
[SPEAKER_00]: Does this make sense?
40:22
[SPEAKER_00]: Let me give you three things before we go.
40:25
[SPEAKER_00]: Of how I'm seeing people waste this.
40:30
[SPEAKER_00]: Number one, you wait until you feel ready.
40:34
[SPEAKER_00]: This is the one I see most.
40:36
[SPEAKER_00]: People mentioned me is, oh, I'm not really ready to invest yet.
40:39
[SPEAKER_00]: I don't really trust a market.
40:40
[SPEAKER_00]: I'm gonna keep my money in the shoe box.
40:41
[SPEAKER_00]: I've been in my bed.
40:42
[SPEAKER_00]: I was gonna keep my money in the bank account so I can see it all the time.
40:46
[SPEAKER_00]: Now, I'm just, I'm just not ready.
40:49
[SPEAKER_00]: Listen, while I could respect it, it's your money.
40:53
[SPEAKER_00]: You work hard for it, and you don't want to be wrong.
40:56
[SPEAKER_00]: But while you're waiting to feel ready, the clock is running.
41:00
[SPEAKER_00]: and you're never going to feel ready.
41:02
[SPEAKER_00]: I never feel ready because I just know, I know what comes with the territory, but at this season of my life, I'm so grateful that I was ready, you know why?
41:12
[SPEAKER_00]: Because I see what my money is doing.
41:15
[SPEAKER_00]: Number two, your chase was hot.
41:18
[SPEAKER_00]: I see when people was getting into crypto and getting into Bitcoin.
41:21
[SPEAKER_00]: And I have family of friends who just dive and dove into that.
41:25
[SPEAKER_00]: They would bind a bunch of single stocks without laying a foundation.
41:29
[SPEAKER_00]: No, remember, wealth building is a strategy.
41:35
[SPEAKER_00]: It's a strategy.
41:36
[SPEAKER_00]: It's not a coin.
41:37
[SPEAKER_00]: It's not a big coin.
41:39
[SPEAKER_00]: It's not crypto.
41:41
[SPEAKER_00]: It is a strategy.
41:44
[SPEAKER_00]: Here's number three.
41:45
[SPEAKER_00]: You sell when it drops.
41:47
[SPEAKER_00]: This is the most expensive one.
41:51
[SPEAKER_00]: The market is going to fail.
41:52
[SPEAKER_00]: Not might.
41:53
[SPEAKER_00]: It is going to happen.
41:55
[SPEAKER_00]: And when it does, everything in you is going to say get out, protect what's left.
42:00
[SPEAKER_00]: You can always get back in later.
42:02
[SPEAKER_00]: But here's
42:04
[SPEAKER_00]: That drop never took anybody's money, selling it did.
42:09
[SPEAKER_00]: A loss on screen is a number.
42:11
[SPEAKER_00]: A loss when you sell it, it becomes permanent period.
42:20
[SPEAKER_00]: This is why I'm very big on making sure that you build a full system around your finances.
42:27
[SPEAKER_00]: Get out of consumer debt.
42:28
[SPEAKER_00]: So you don't have that much stress pulling on you.
42:31
[SPEAKER_00]: Make sure you have a fully-funded emergency fund of at least three or six months of your net pay.
42:35
[SPEAKER_00]: So that way when the market drops, you're seeing a numbers drop, life may hit, you don't have the pool for the market, you can pool from your savings account, you still have cushion, because the moment we pull out,
42:51
[SPEAKER_00]: Listen, trust me, please don't make those mistakes.
42:55
[SPEAKER_00]: I told you earlier, and you stayed, thank you for staying, that I've seen people do it right, but when they got nervous, when they got fearful, they made the wrong decision, and it impacted their financial freedom.
43:10
[SPEAKER_00]: I saw it early in COVID, I saw it when the market dropped, and it bothered me to see this.
43:18
[SPEAKER_00]: Listen,
43:21
[SPEAKER_00]: I hope today's episode may sense.
43:23
[SPEAKER_00]: I know it was a little bit long, we didn't what we normally are trying to go for, we're trying to go for right around 30 to 35 minutes, but I did not want to do it.
43:31
[SPEAKER_00]: If I was starting in 2026, that's what I would do on our first 500 hours.
43:40
[SPEAKER_00]: You did it.
43:41
[SPEAKER_00]: Let's say you've got your 500 hours in there.
43:42
[SPEAKER_00]: You came to our free webinar and you learned, listen to me clearly.
43:49
[SPEAKER_00]: this into me clearly.
43:50
[SPEAKER_00]: Now you got to re-duplicate it.
43:53
[SPEAKER_00]: Now what you got to do is you have to now put your 100 $100 a month or whatever amount you are investing every single month, you need to automate it.
44:04
[SPEAKER_00]: You need to automatically have that money going directly to your investment portfolio.
44:08
[SPEAKER_00]: There's no if ands or buts.
44:11
[SPEAKER_00]: Then after you automate it, you only get your budget and we got to get you to go from $100 a month To now getting to a raising it getting it to at least 15 12 to 15% of your income And go from 105 to 1000 whatever that 15% is We got to get there and then how do I get there?
44:33
[SPEAKER_00]: I don't have enough time to explain it on today's show go get a copy of my book because I'm teaching you how to really get there
44:40
[SPEAKER_00]: After you raise it, after you have it automatically going, y'all leave it alone, period, don't touch it.
44:47
[SPEAKER_00]: I don't care if the market drops tremendously.
44:51
[SPEAKER_00]: You leave it alone.
44:52
[SPEAKER_00]: As a matter of fact, leave it alone.
44:53
[SPEAKER_00]: Don't look at it unless you look at it like maybe like once a quarter.
44:57
[SPEAKER_00]: I look at minds, maybe once a quarter with my financial advisor, to see what a market is because at the end of the day while I'm a money guy, I still am emotional.
45:07
[SPEAKER_00]: I still am human and I don't want to see my money loose.
45:11
[SPEAKER_00]: I remember one day I went on there and we're going to end today's episode.
45:14
[SPEAKER_00]: Make sure you hit the thumbs up, make sure that you share today's episode with somebody who helped them out.
45:19
[SPEAKER_00]: But I remember one season of my life, I'll get excited.
45:23
[SPEAKER_00]: I see my money jump up $10,000 a week and then a very next week that they drop down 14,000.
45:34
[SPEAKER_00]: And I would have this mountain, this craziness, and finally, just hit me.
45:41
[SPEAKER_00]: I boy, I leave it alone.
45:42
[SPEAKER_00]: Put the money in there, let the money work.
45:44
[SPEAKER_00]: It's going to work.
45:45
[SPEAKER_00]: It's just like any business.
45:46
[SPEAKER_00]: It's like any job, just like any career.
45:48
[SPEAKER_00]: You're going to have great months.
45:50
[SPEAKER_00]: They're going to have some good months.
45:51
[SPEAKER_00]: They're going to have great months again.
45:52
[SPEAKER_00]: They're going to have some real bad months.
45:55
[SPEAKER_00]: That's the part of the market.
45:58
[SPEAKER_00]: Y'all listen, thank you so much for rockin' with this today.
46:02
[SPEAKER_00]: Thank you so much for being a part of this journey, and being a part of this community.
46:06
[SPEAKER_00]: We're gonna be announcing some major things coming up here today.
46:10
[SPEAKER_00]: I mean, I wanna thank you for being part of this community.
46:12
[SPEAKER_00]: So make sure you get a copy of the book.
46:14
[SPEAKER_00]: Make sure you go check the show notes for all the links that goes with today's things.
46:19
[SPEAKER_00]: Make sure that you're taking the steps to hit the strategy and let the strategy work for you in the future.
46:26
[SPEAKER_00]: I promise you.
46:28
[SPEAKER_00]: If I was starting over in September of 2026, this is exactly what I would do.
46:34
[SPEAKER_00]: I know it ain't sexy, I know why I ain't show you how to make a million dollars.
46:38
[SPEAKER_00]: What I'm giving you is a plan for the season that you're in now and as our season's evolved.
46:47
[SPEAKER_00]: So with the plan and strategy, I should boy Anthony O'Neill and I'll see you in the next episode.