Latest / The Table with Anthony ONeal / Credit Expert (WARNS): 91 Million Americans About To Lose Everything This Fall!

Transcript

Credit Expert (WARNS): 91 Million Americans About To Lose Everything This Fall! · The Table with Anthony ONeal

0:00
[SPEAKER_00]: What's going on fams of boy Anthony O'Neill, and today we're going to have an honest talk about something that's about to affect 911.5 million Americans this fall this October, November and December want to get straight to it.
0:24
[SPEAKER_00]: And if you've been using any of these thinking, it won't affect your credit score.
0:27
[SPEAKER_00]: Let me put it like that.
0:29
[SPEAKER_00]: I've got some news for you to hear on today's show.
0:32
[SPEAKER_00]: You see, FICO just announced that they're changing the game.
0:35
[SPEAKER_00]: And if you're not prepared, if your credit score is not where it needs to be, your credit score is about to take a huge and a serious hit.
0:48
[SPEAKER_00]: So I want to get straight into it.
0:51
[SPEAKER_00]: Here's what's happening.
0:53
[SPEAKER_00]: Starting this fall of 2025, FICO is going to start including your buy now pay later loans in your credit score calculation.
1:02
[SPEAKER_00]: Now some of you might be thinking,
1:04
[SPEAKER_00]: Anthony, what's the big deal?
1:06
[SPEAKER_00]: I always pay my stuff on time.
1:09
[SPEAKER_00]: But here's the problem.
1:10
[SPEAKER_00]: You see, according to recent surveys, 54%.
1:14
[SPEAKER_00]: This is going to be more than half of by now pay later users.
1:18
[SPEAKER_00]: Have made at least one late payment.
1:22
[SPEAKER_00]: Now remember, we talked about late payment before.
1:25
[SPEAKER_00]: Late payment means you are more than 30 days late.
1:28
[SPEAKER_00]: that's more than half of all users.
1:32
[SPEAKER_00]: And I want you to get this.
1:33
[SPEAKER_00]: The average by now, pay later loan, is only $135.
1:37
[SPEAKER_00]: Pulse, can we park there right there?
1:42
[SPEAKER_00]: We're not talking about people are behind on a car payment or behind on their mortgage or behind or their rent or behind under city loan payment.
1:54
[SPEAKER_00]: We're talking about people are behind on a pair of shoes, a t-shirt, a dress, a gadget, maybe even some other clothes.
2:08
[SPEAKER_00]: But here is where it's getting dangerous.
2:11
[SPEAKER_00]: People aren't just using one by now pay later service.
2:15
[SPEAKER_00]: The truth of the fact is, as I was doing my research, they're juggling multiple loans across different services, across different apps, and it's becoming impossible to keep track of all of these payments.
2:33
[SPEAKER_00]: Now, before we go any further, I want to tell you about something that can help you tremendously right now, because the truth in fact, this is some of you all are concerned.
2:44
[SPEAKER_00]: Some of you watching is right now saying, I'm in that 54% and my credit score is jacked up.
2:50
[SPEAKER_00]: If you're worried about your score, where this because of the buy now and pay later loans or credit cards, and maybe you just had a hard time come up.
2:58
[SPEAKER_00]: I want you to check out my friends over at Dovely AI.
3:02
[SPEAKER_00]: You see, Dovely uses artificial intelligence, aka AI to help you understand what's going on to credit, dispute any legit errors, and improve your credit score guaranteed.
3:13
[SPEAKER_00]: And right now, you can try it for 100% free.
3:16
[SPEAKER_00]: What's going to happen?
3:18
[SPEAKER_00]: I want to thank my friends who are doubly for sponsoring today's show.
3:22
[SPEAKER_00]: You see, with rising rent, inflation, and high interest rates, your credit score matters more than ever.
3:28
[SPEAKER_00]: Whether you are trying to buy a home or just qualify for an apartment, it all starts, honestly, having good credit.
3:37
[SPEAKER_00]: You see, this is where my friends and dogly AI comes in.
3:40
[SPEAKER_00]: Watch this.
3:42
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3:46
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3:53
[SPEAKER_00]: consumer debt-free.
3:54
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4:08
[SPEAKER_00]: Here's what I'm up about, Doc.
4:09
[SPEAKER_00]: On average, users are saying about 34 points.
4:12
[SPEAKER_00]: Go up when it comes to your credit report.
4:14
[SPEAKER_00]: No credit card required.
4:15
[SPEAKER_00]: And premium members' average in 82 points boost on their credit score.
4:20
[SPEAKER_00]: The better your score, the more you say.
4:23
[SPEAKER_00]: And the more you get approved.
4:25
[SPEAKER_00]: Listen, I need you to go check out my friends over at anthonyl.com.
4:29
[SPEAKER_00]: For slash, doc, again, that is anthonyonyl.com D-O-V-L-I.
4:36
[SPEAKER_00]: If you're tired of hearing no, because I've been credit scores, it's time to take control with my friends.
4:41
[SPEAKER_00]: We'll check them out right now, and let's get back to today's show.
4:45
[SPEAKER_00]: Alright, so real quick, go to anthinnerno.com for slash dovly and let's get back into this by now pay later situation.
4:53
[SPEAKER_00]: So why are so many people using buy now pay later in the first place?
4:59
[SPEAKER_00]: Well, let's talk about 86% of Americans say they actually trust these BNPLs, that's the buy now pay later services as a payment method.
5:11
[SPEAKER_00]: so confusing to me.
5:12
[SPEAKER_00]: In fact, watch this three out of four users, aka 75% of all users say they trust by now pay later more than actual credit cars.
5:24
[SPEAKER_00]: And I get it.
5:24
[SPEAKER_00]: Let's be real.
5:26
[SPEAKER_00]: You see, these services feel a lot safer to some people because there's usually no interest if you pay
5:41
[SPEAKER_00]: And a few yeses, you've got your purchase.
5:45
[SPEAKER_00]: But here's what's really happening.
5:48
[SPEAKER_00]: You see, 30% of Americans have used to buy non-payilator services.
5:52
[SPEAKER_00]: That number jumped from 49.2 million users in 2021 to estimated 91.5 million users in 2025.
6:02
[SPEAKER_00]: I'm going to say this one more time because I really want you to understand the numbers.
6:08
[SPEAKER_00]: We went from $49.2 million active users and 2021.
6:12
[SPEAKER_00]: This is at the time of recording today's show.
6:15
[SPEAKER_00]: This is four years ago, to 91.5 million users in 2025, which means that guaranteed by 2026.
6:24
[SPEAKER_00]: The end of 2026, we will have over 100 million Americans using by now pay later services to purchase a shirt.
6:37
[SPEAKER_00]: family.
6:37
[SPEAKER_00]: That's almost double in just four years.
6:41
[SPEAKER_00]: And here's the kicker.
6:43
[SPEAKER_00]: Here's what really got me.
6:44
[SPEAKER_00]: You see, 44% of by now pay later users are already worried about how these loans could affect their credit score.
6:51
[SPEAKER_00]: They know something is not right.
6:53
[SPEAKER_00]: They know this is too good to be true.
6:58
[SPEAKER_00]: That, that.
7:00
[SPEAKER_00]: The dad, I should say, shows that 24% of users admitted watched this, they spent more than they should have.
7:09
[SPEAKER_00]: And 15% said, they regret it, the purchase.
7:13
[SPEAKER_00]: Listen, a lot of you are watching this on YouTube, and if you're listening to my podcast, please come over to my comment section in comment below.
7:18
[SPEAKER_00]: And if you're watching this live as we're premiering, I want you to be honest with me.
7:22
[SPEAKER_00]: Are you one of the 24% of the users saying, oh, what?
7:26
[SPEAKER_00]: I actually find that something more than what I should have.
7:30
[SPEAKER_00]: I, for an example, I put $1,000 on the buy now pay later service or $1,000 on the credit card when I technically only had about $2,300 to actually spend inside my bank account.
7:42
[SPEAKER_00]: And when you got home a few days later, you actually regretted it.
7:47
[SPEAKER_00]: You see, we have people overspending on things that they regret.
7:52
[SPEAKER_00]: Missing payments, and now those mispamers are about to start hurting their credit scores.
7:59
[SPEAKER_00]: You see, this is why I've been teaching what I've been teaching and some people say Anthony's message is not the right message because he teaches be debt free.
8:08
[SPEAKER_00]: No, I'm teaching have freedom.
8:10
[SPEAKER_00]: I'm teaching do not set yourself up to hurt in the future.
8:17
[SPEAKER_00]: because now this isn't happening in a vacuum and I want to show you the big picture here.
8:26
[SPEAKER_00]: Gen Z is getting hit the hardest.
8:31
[SPEAKER_00]: 64% of Gen Z have used by now pay later services and 40% of them have missed at least one payment within the past year, technically from the article
8:46
[SPEAKER_00]: So 64% of these young individuals who are watching this show today have used a by now paylator services.
8:54
[SPEAKER_00]: And out of that 64% nearly half of them within a year, 2025 have missed the payment that is 30 days or more.
9:04
[SPEAKER_00]: And it's not just for shopping sprees.
9:06
[SPEAKER_00]: You see young people are using them, it'll be honest with you by now a paylator for essentials like groceries, rent, medical bills,
9:16
[SPEAKER_00]: So we don't really have a luxury problem, we have a survival problem.
9:23
[SPEAKER_00]: And as I'm evolving and baturing I'm understanding this, right?
9:27
[SPEAKER_00]: Why is it Anthony?
9:28
[SPEAKER_00]: It was because of inflation, let's be honest.
9:31
[SPEAKER_00]: Wages are not growing up.
9:34
[SPEAKER_00]: And still the old payments are crushing an entire and entire generation.
9:40
[SPEAKER_00]: And it gets worse.
9:42
[SPEAKER_00]: Americans just hit a record of $1.21 trillion in credit card debt.
9:47
[SPEAKER_00]: That's a trillion dollars with a T, not a B, not a M, a T. Credit card delinquency race.
10:00
[SPEAKER_00]: All right, there are highest since 2011.
10:03
[SPEAKER_00]: Total household debt is sitting at 18.04 trillion dollars.
10:09
[SPEAKER_00]: That's another T, not B, not M. We are seriously in a debt crisis.
10:17
[SPEAKER_00]: I'm buying out pay later, is making it worse because it feels, it makes people feel like it's not real debt.
10:27
[SPEAKER_00]: But the truth, not the, but the truth are the fact.
10:33
[SPEAKER_00]: is that it is.
10:35
[SPEAKER_00]: Every single dollar you owe is real depth.
10:42
[SPEAKER_00]: I want that to sit right there.
10:46
[SPEAKER_00]: Just because you're not paying interest doesn't mean you're not in debt.
10:51
[SPEAKER_00]: Just because you can make the small minimum payment doesn't mean that you're doing okay.
10:58
[SPEAKER_00]: You're still
11:00
[SPEAKER_00]: Now here's where it gets confusing and this is what I say important, this is super important.
11:10
[SPEAKER_00]: Not all by now pay later providers are reporting to credit bureaus the same way.
11:17
[SPEAKER_00]: You see, a firm is already reporting to experience.
11:21
[SPEAKER_00]: Clarner started reporting to Trans Union in 2024, but they're expressing concerns about what they call unfair penalties.
11:31
[SPEAKER_00]: After pay is not reporting yet, they're holding back their data.
11:36
[SPEAKER_00]: So right now, some buy now pay later loans are affecting your credit and some aren't, but that's all about the change this fall when FICO rose out their new scoring motto.
11:48
[SPEAKER_00]: This means, this means, if you've been skating by, without to pay, thinking you're safe, that safety net is honestly about to disappear.
12:00
[SPEAKER_00]: What's going on, family?
12:01
[SPEAKER_00]: Listen, I just saved over $400 of my current insurance and literally 10 minutes.
12:07
[SPEAKER_00]: Here's the thing.
12:08
[SPEAKER_00]: Most of us are overpaying because we're so loyal to companies that ain't loyal to our wallets.
12:14
[SPEAKER_00]: Recently, I partnered with a trusted broker to help my family use, stop throwing money away by just simply entering a music code, answering some few questions and boom, you have real quotes within real companies within a matter of 60 seconds.
12:29
[SPEAKER_00]: No credit checks, none of that spam call.
12:31
[SPEAKER_00]: Look, you work hard for your money.
12:33
[SPEAKER_00]: Why I give more of it away than you have to.
12:36
[SPEAKER_00]: I personally use this company back when I was going to my search and input money back in my pocket.
12:43
[SPEAKER_00]: All you have to do is go to anthonylo.com for slash car insurance right now, as anthonylo.com for slash car insurance stop over pain, start keeping your money so you can pay off debt and start investing and building your number one asset which is your wealth.
12:58
[SPEAKER_00]: All right, listen, go to anthonylo.com for slash car insurance and get that quote today.
13:04
[SPEAKER_00]: Peace out.
13:05
[SPEAKER_00]: So I really want to walk through solutions.
13:08
[SPEAKER_00]: I want us to walk through what can we do about this?
13:12
[SPEAKER_00]: And I'm not just here to scare you.
13:13
[SPEAKER_00]: I'm here to give it a facts, give it a stats.
13:16
[SPEAKER_00]: I'm also going to be putting a couple of articles inside of the show notes that you all can see this for yourself and do research for yourself, because I'm here to help you win financially.
13:26
[SPEAKER_00]: I'm here to help you accomplish your goals and really do everything, but there are some few steps that we need to do if this is going to affect you.
13:35
[SPEAKER_00]: Here's a very first step.
13:37
[SPEAKER_00]: I need you to audit your debt and inside of that audit, your buy now paid later loans right now.
13:46
[SPEAKER_00]: Pull out your phone and check every buy now paid later app.
13:50
[SPEAKER_00]: You've been using and write them down.
13:54
[SPEAKER_00]: When you write them down, you did write down the following things.
13:57
[SPEAKER_00]: Some of the one, how much you owe?
13:59
[SPEAKER_00]: Number two, when payments are due, number three, which apps you're using, and number four, you need to see the full picture.
14:08
[SPEAKER_00]: Don't short cut it, don't guess, don't pull out of your paper or I think I'm doing this.
14:12
[SPEAKER_00]: No, pull up the app if you don't have the app go to the website.
14:16
[SPEAKER_00]: If you forgot, open up your bank statement and see which app which after on-pay service is pulling from your bank account, pulling from your credit card statement.
14:26
[SPEAKER_00]: This step, too, is I need you to put that inside of your desk, no, ball.
14:30
[SPEAKER_00]: Oh, Anthony, but I'm not painting the interest.
14:32
[SPEAKER_00]: No, no, no, no, no, no, no, remember phase two inside of our escape plan.
14:37
[SPEAKER_00]: That we're going to be.
14:39
[SPEAKER_00]: really walking you all through this.
14:41
[SPEAKER_00]: I've been taking a few of you all through this, but phase two, instead of our skate plan, is about utilizing a dead snowball, and we line up all of our debt, no matter what, all of our consumer debt excluding our mortgage, right, from smallest to your largest.
14:57
[SPEAKER_00]: can you gonna pay off the smallest loan?
15:00
[SPEAKER_00]: And in this case, the smallest by now pay later loan as fast as possible.
15:05
[SPEAKER_00]: Then we're gonna roll that payment into the next one and that bills this true momentum.
15:12
[SPEAKER_00]: I don't need y'all to check the coat this.
15:13
[SPEAKER_00]: I need you to be honest with yourself and you gotta know where you currently are.
15:20
[SPEAKER_00]: Was these moved with a step three?
15:22
[SPEAKER_00]: I need you to stop.
15:25
[SPEAKER_00]: Can we be honest?
15:25
[SPEAKER_00]: I need you to stop.
15:27
[SPEAKER_00]: I need you to stop.
15:29
[SPEAKER_00]: I'm gonna say it one more time.
15:31
[SPEAKER_00]: I need you to stop opening up any new debt, period.
15:35
[SPEAKER_00]: But especially right now, stop opening up by now, pay later accounts, fam.
15:41
[SPEAKER_00]: I'm so serious.
15:43
[SPEAKER_00]: If you can't afford to buy that T-shirt, if you can't afford to buy that dress, if you can't afford to buy those heels, if you can't afford to buy that gadget right now, then you can't afford it in four payments either.
15:55
[SPEAKER_00]: Wait until you have the cash.
16:00
[SPEAKER_00]: I went to purchase the new iPhone, and I didn't even buy it yet, because I was like, uh, uh, I had no idea it purchased the brand new AirPods, and the AirPods actually are sick.
16:10
[SPEAKER_00]: I actually knew like them.
16:12
[SPEAKER_00]: If you got the money, I highly suggest that Apple and Payme for that, but they sound better and they fit better.
16:17
[SPEAKER_00]: So that way when I'm on a road and I'm working out, I can use those and still have my ears available and free of that makes sense.
16:25
[SPEAKER_00]: If you work out, you'll understand why that's important.
16:29
[SPEAKER_00]: When I went to check out, I mean, people offered me, by now pay, I don't know what, in the world.
16:33
[SPEAKER_00]: Like, why, and one of my home girls just told me, she did that program for her phone, watch this.
16:39
[SPEAKER_00]: She has the iPhone 14.
16:41
[SPEAKER_00]: She's been paying on her phone for five years.
16:49
[SPEAKER_00]: She said her phone just got off.
16:53
[SPEAKER_00]: We've had three new phones since then.
16:56
[SPEAKER_00]: And she just paid off, a old, old, old phone.
17:02
[SPEAKER_00]: We got to stop this.
17:03
[SPEAKER_00]: We got to stop this.
17:05
[SPEAKER_00]: We're leaving me over to start number four, understanding your credit score.
17:08
[SPEAKER_00]: You see, your fico score is based on five key factors.
17:12
[SPEAKER_00]: And we're going to have this up on a screen.
17:13
[SPEAKER_00]: Hopefully, my team can get something creative with this.
17:17
[SPEAKER_00]: But I really want you to understand what your credit score is honestly made up of.
17:21
[SPEAKER_00]: I've taught this before in the past, but I need you to understand this information.
17:25
[SPEAKER_00]: Number one, which is probably the biggest thing is going to be your payment history.
17:29
[SPEAKER_00]: That's 35%
17:31
[SPEAKER_00]: of your credit score.
17:32
[SPEAKER_00]: Number two is going to be your credit utilization.
17:35
[SPEAKER_00]: That's going to be 30% and then number three is going to be the length of your credit history.
17:42
[SPEAKER_00]: That's 15%.
17:43
[SPEAKER_00]: Number four is going to be your credit mix 10% followed by new credit inquiries 10%.
17:50
[SPEAKER_00]: So when buy non-payilators get added to your credit report, late payments are going to hit
18:03
[SPEAKER_00]: Let's just think about that.
18:07
[SPEAKER_00]: When these services get added to your credit report, late payments are going to hit that 35% harder.
18:19
[SPEAKER_00]: Which leads me to the last step, step number five.
18:21
[SPEAKER_00]: I need you to check your credit report today.
18:25
[SPEAKER_00]: And this is when my friends over at www.cumbs-in again, because you're gonna go to anthonyonil.com forstastobly and see what's actually on your credit report.
18:34
[SPEAKER_00]: You might have errors, you don't even know about.
18:37
[SPEAKER_00]: You can be able, when is the last time you honestly looked at your credit report?
18:41
[SPEAKER_00]: Some of you all watching this have not looked at your credit report all year long.
18:47
[SPEAKER_00]: So, dobly can help you dispute those and clean up your credit legally,
18:56
[SPEAKER_00]: We're not talking about cheating the system.
18:58
[SPEAKER_00]: We're talking about utilizing AI to help you get ahead of time.
19:02
[SPEAKER_00]: Anthony, you're so eager.
19:03
[SPEAKER_00]: You're confused me, because before in the past, you said, Chris scored me is nothing.
19:07
[SPEAKER_00]: I apologize.
19:08
[SPEAKER_00]: I have evolved.
19:09
[SPEAKER_00]: I have matured.
19:10
[SPEAKER_00]: I've said it.
19:11
[SPEAKER_00]: I home what I said.
19:13
[SPEAKER_00]: And to an extent, I somewhat do agree, because I don't use my credit to finance things.
19:18
[SPEAKER_00]: But I want to use my credit, or I want my credit score to help me get the cheaper rates.
19:26
[SPEAKER_00]: I just purchased trading in one of my cars for every day car because I need something because I'm going to keep my two real nice cars parked because I keep my cars y'all for years.
19:37
[SPEAKER_00]: I don't trade in that often and so I didn't find a car, I paid cash for it, but my insurance
19:45
[SPEAKER_00]: went up by $55, because on the other one that I had, I was paying, I didn't have full coverage on it.
19:54
[SPEAKER_00]: I only had liability coverage on it.
19:56
[SPEAKER_00]: Well, in this one, because I got a great, great, great, great, great, great, great, great, great, great, great, great, great deal.
20:01
[SPEAKER_00]: And I'm honestly going to, I'm honestly going to do like a, a 10 minute live on this, because how I got this car?
20:11
[SPEAKER_00]: I'm about to teach all some game that I just think everyone needs to know.
20:14
[SPEAKER_00]: I know the dealership.
20:16
[SPEAKER_00]: They're excited that they got to sell, but I know they're like, dang, he got us.
20:21
[SPEAKER_00]: He got us, but the point of it is when I went to add it to my insurance company, my rate didn't go up that much.
20:29
[SPEAKER_00]: And I've learned that because my score is higher and it's positive stuff on there, I'm qualifying for the best race possible without having any debt.
20:42
[SPEAKER_00]: Look, I know times are tough, I know inflation is real, I know wages are not keeping up, I know, I know I know student loans are crushing people right now, I know.
21:01
[SPEAKER_00]: But here's the truth, but I now pay later, it's not the solution, if I'm being honest
21:14
[SPEAKER_00]: By now, pay later companies have made that look attractive somewhat.
21:21
[SPEAKER_00]: They've made it look harmless, they've made it look like it's not even dead at all.
21:28
[SPEAKER_00]: It's just splitting up payments.
21:30
[SPEAKER_00]: Why pay $100 a front when you can pay $25 a month for four months?
21:37
[SPEAKER_00]: But debt at the end of the day is still debt.
21:41
[SPEAKER_00]: Rather, it's on a credit card or split into four payments on an app with a pretty interface.
21:48
[SPEAKER_00]: Debt.
21:48
[SPEAKER_00]: is still dead.
21:50
[SPEAKER_00]: Your predecessor is your, it's some point, it's in between our call at your debt score, but also it is a representation and a tool that if used correctly, it can help you qualify.
22:10
[SPEAKER_00]: for lesser premiums, cheaper interest rates on your mortgages and no-down payments for utilities and renting.
22:21
[SPEAKER_00]: You see it affects whether you can buy a house, rent an apartment, and even sometimes get a job.
22:28
[SPEAKER_00]: Please do not let $135.
22:33
[SPEAKER_00]: or 135 dollar pair of shoes, or a $50 shirt, destroy your financial future.
22:39
[SPEAKER_00]: So here's what I want you to do today, right now, within the next 24 hours.
22:45
[SPEAKER_00]: Number one, go to anthonyo.com for us as dobbly and check your credit score.
22:50
[SPEAKER_00]: See where you stand, because knowledge is power.
22:53
[SPEAKER_00]: Number two, I need you to audit all your buy now, pay later loans.
22:58
[SPEAKER_00]: Write them down, make a plan to pay them off.
23:01
[SPEAKER_00]: Please leave me to number three, and I'm begging you, please stop barring money, stop using by now pay later loans for non-essential purchases.
23:14
[SPEAKER_00]: If you can't pay cash, I'm gonna say it, you can't afford it.
23:18
[SPEAKER_00]: There's least me to the last thing.
23:22
[SPEAKER_00]: Number four, share this video with someone who needs to hear it.
23:26
[SPEAKER_00]: We've got 911.5 million Americans who are about to be affected by this change.
23:32
[SPEAKER_00]: Let's make sure people within our community, the in-the-black community, are prepared for what's coming here within the next few months.
23:39
[SPEAKER_00]: And if this video helped you, do me a favor, y'all, we are already at a million subscribers.
23:44
[SPEAKER_00]: Can you believe it?
23:45
[SPEAKER_00]: But the mission doesn't stop because we're at a million.
23:48
[SPEAKER_00]: How do we impact two million, three million?
23:51
[SPEAKER_00]: How do we help people grow and evolve and experience that financial freedom?
23:56
[SPEAKER_00]: So smash that like button, subscribe to this channel, and turn on your notifications.
24:02
[SPEAKER_00]: So you don't miss what's coming next.
24:04
[SPEAKER_00]: Because I'm handsome right now.
24:05
[SPEAKER_00]: My team and I, man, we're, we're diving.
24:07
[SPEAKER_00]: I'm going to see some changes.
24:08
[SPEAKER_00]: We're going to be announcing some things that's going to impact the family.
24:12
[SPEAKER_00]: And so we're grateful.
24:14
[SPEAKER_00]: Mashable Anthony O'Neill.
24:16
[SPEAKER_00]: You can't be broke and lose you.
24:18
[SPEAKER_00]: Remember that.
24:19
[SPEAKER_00]: It's time to get your money by it so we can be wealthy and impactful.
24:22
[SPEAKER_00]: I'll see you in the next one.
24:24
[SPEAKER_00]: Peace out.