Latest / The Table with Anthony ONeal / Money Expert: Do THIS Every Time You Get Paid in 2026 (Most Ignore Step #3)

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Money Expert: Do THIS Every Time You Get Paid in 2026 (Most Ignore Step #3) · The Table with Anthony ONeal

0:00
[SPEAKER_00]: 2026 is not playing with anybody's money.
0:05
[SPEAKER_00]: As of today at the time of me recording today show, groceries are up 30% since 2023.
0:13
[SPEAKER_00]: We're starting to see how you'll save as it counts.
0:15
[SPEAKER_00]: These rates are honestly dropping.
0:18
[SPEAKER_00]: And if you're still using the same old paycheck routine from a few years ago, you're probably filling stuck right now.
0:26
[SPEAKER_00]: You're probably filling stressed or you probably feeling like you just left behind.
0:34
[SPEAKER_00]: Today's show is not going to be about shame.
0:40
[SPEAKER_00]: Today's show is going to be about structure.
0:43
[SPEAKER_00]: Today I'm going to be breaking down my updated step by step paycheck routine that I want you to do about the year 2026.
0:49
[SPEAKER_00]: This is the exact order I would use if I was starting over.
0:54
[SPEAKER_00]: If I had a job, if I was in a new city, or just ready to actually just reset.
1:00
[SPEAKER_00]: I'm not going to be giving you all the whole bunch of hype today.
1:02
[SPEAKER_00]: I'm not going to be screaming and going crazy today.
1:05
[SPEAKER_00]: I'm going to be a plan that works, no matter where you're starting from.
1:09
[SPEAKER_00]: I don't care if you're starting with $30,000 income, drowning in debt.
1:12
[SPEAKER_00]: I don't care if you're making $150,000 and you're one paycheck away from living paycheck to paycheck.
1:19
[SPEAKER_00]: So what I need you to do is dial in.
1:22
[SPEAKER_00]: What I need you to do is grab a notebook, grab a pin, and you know what?
1:27
[SPEAKER_00]: If you're watching this live, drop the word ready inside of the live chat or just drop the word ready inside the comment section because I really want us this year to really focus on building financial freedom.
1:39
[SPEAKER_00]: I'm getting out of this whole thing of, man, I want to make a million dollars, no, no, no.
1:43
[SPEAKER_00]: I want to make y'all free.
1:45
[SPEAKER_00]: I want to teach you a system that will give you freedom that will set you up to where you can just have a month without no stretch.
1:52
[SPEAKER_00]: You can have a week without worrying about how are you going to pay for something when you get a paycheck.
1:57
[SPEAKER_00]: You can honestly enjoy the paycheck.
2:04
[SPEAKER_00]: I'm tired of sitting down on my brothers and sisters who look like me and they're crying because they're working like Hebrew slaves, but can't enjoy their money.
2:13
[SPEAKER_00]: They're literally getting up every single day, Monday, Tuesday, Wednesday, Thursday, Friday, Saturday, and even Sundays, missing church to work, they're behind us to go pay back somebody else and to not build wealth and to build freedom for themselves.
2:30
[SPEAKER_00]: So I want to start with the basics today.
2:33
[SPEAKER_00]: I want to start with the bare basics of what you got to do on every single paycheck, moving forward, step to movement, as you got to pay your minimums.
2:48
[SPEAKER_00]: I know it's not sexy, but if you miss a payment on any reddit, credit card debt, student loan debt or card note, your credit score is going to take a massive hit.
3:00
[SPEAKER_00]: And in 2026, your credit score is your passport to cheaper rates and the cheaper opportunities, renting an apartment, getting a mortgage, or even for some people landing some jobs.
3:17
[SPEAKER_00]: Did you know that payment history and credit utilization make up 65% of your credit score?
3:24
[SPEAKER_00]: So before you do anything else, I want you to automate those minimum payments.
3:30
[SPEAKER_00]: Don't just trust your memory.
3:32
[SPEAKER_00]: Don't just trust that I will remember on this day, no, because I'll be honest with you all.
3:37
[SPEAKER_00]: Man, I've missed things.
3:40
[SPEAKER_00]: because our forgot, not because I didn't have the money, but because I just forgot.
3:44
[SPEAKER_00]: And sometimes life happens, children happen, marriage happens, job happens, and we forget.
3:50
[SPEAKER_00]: So I need you to trust the system, set it, and forget it.
3:55
[SPEAKER_00]: So you never miss a beat.
3:59
[SPEAKER_00]: Because here's the truth.
4:01
[SPEAKER_00]: If you miss a payment and you get a 30 day late, now your insurance race is going to jump up.
4:06
[SPEAKER_00]: Now, you may have to pay first and last month rent deposit.
4:11
[SPEAKER_00]: Now, when you go to get a home mortgage, because you was like three years ago, 30 days late, that's keeping your score down.
4:17
[SPEAKER_00]: Now you got to pay another quarter in an interest payment.
4:24
[SPEAKER_00]: So I need you to focus on what?
4:26
[SPEAKER_00]: I'm going to set aside everything else.
4:28
[SPEAKER_00]: No fun.
4:28
[SPEAKER_00]: I got to make bare minimum payments.
4:31
[SPEAKER_00]: I'm gonna ask a question.
4:32
[SPEAKER_00]: I want you to drop this in the comment section and be honest with me.
4:35
[SPEAKER_00]: How many of you all have ever missed a payment by accident?
4:40
[SPEAKER_00]: Drop a me in the comment section.
4:42
[SPEAKER_00]: I want you to be honest with me.
4:44
[SPEAKER_00]: There's no shame here because I've missed a payment on accident.
4:48
[SPEAKER_00]: On accident.
4:49
[SPEAKER_00]: And when I say a payment for me, I'm talking about I came home just last year in 2025 to my gas being off.
5:02
[SPEAKER_00]: I live in DC.
5:03
[SPEAKER_00]: It's cold.
5:05
[SPEAKER_00]: I had no hot water because I missed.
5:09
[SPEAKER_00]: I forgot.
5:10
[SPEAKER_00]: I was like, you know, a bump that man, I'm putting this in the automation.
5:13
[SPEAKER_00]: Here's step 1.5.
5:14
[SPEAKER_00]: I need you to automate everything.
5:17
[SPEAKER_00]: This is the bonus step that changes the game.
5:20
[SPEAKER_00]: Why?
5:20
[SPEAKER_00]: Because discipline is overrated systems when everything.
5:26
[SPEAKER_00]: If you move,
5:29
[SPEAKER_00]: How to say this, if your money moves automatically before you even see it, you're not relying on willpower.
5:36
[SPEAKER_00]: You're building wealth on autopilot.
5:39
[SPEAKER_00]: When I first started automating my savings and honestly my bills, I stopped over drafting.
5:45
[SPEAKER_00]: I stopped missing payments and started seeing my accounts grow, started seeing my bills being paid on time.
5:52
[SPEAKER_00]: It was like giving my future self a raise and giving me peace of mind knowing that my necessity bills, my mandatory bills are automatically taken care of.
6:04
[SPEAKER_00]: So here's what it needs you to do today.
6:07
[SPEAKER_00]: I need you to take 15 minutes after today's video.
6:11
[SPEAKER_00]: Set up recurring transfers for every step I'm about to share.
6:16
[SPEAKER_00]: If you're already automating your accounts, let me know in the comments section.
6:20
[SPEAKER_00]: I'm going to know who's already automatically doing this.
6:25
[SPEAKER_00]: Here's step two.
6:26
[SPEAKER_00]: Cover your knees.
6:27
[SPEAKER_00]: This is your monthly operating budget.
6:31
[SPEAKER_00]: This is your rent, food, health care, utilities, transportation, and for those of you all who have children, child care.
6:39
[SPEAKER_00]: And when I say child care, I'm talking my day care.
6:42
[SPEAKER_00]: I'm talking about nanny, I'm talking about school.
6:44
[SPEAKER_00]: If you have them in private school, I'm talking about after-care programs, that's important.
6:49
[SPEAKER_00]: Because we know they get out of school at two or three o'clock or three o'clock, you don't get off the work to maybe five or six, you need that after-care.
6:57
[SPEAKER_00]: So those are important.
6:58
[SPEAKER_00]: I like to keep this money in a separate account labeled necessities.
7:02
[SPEAKER_00]: Run your numbers, know exactly what you need to live off of every single month.
7:09
[SPEAKER_00]: You see the average American household now spends about 2,000 I think, right around $2,900 a month on basic needs.
7:17
[SPEAKER_00]: Okay?
7:19
[SPEAKER_00]: And high-cost cities, like in California, so let me close to about $3,500.
7:26
[SPEAKER_00]: I want you to write this down.
7:30
[SPEAKER_00]: Okay, and there's there's this rule out there that some people teach I'm okay with it to start I'm gonna be teaching something a little bit more different a little bit And I'm just I'm just fine tuning it, but I like this for right now The 50 30 20 rule 50% go towards the knees 30% go towards your once and 20% go towards the savings and investments.
7:50
[SPEAKER_00]: Now here's my thing 30%
7:54
[SPEAKER_00]: going towards or once is if you're out of consumer debt.
7:58
[SPEAKER_00]: If you're still in consumer debt, these 30% needs to go towards your debt.
8:05
[SPEAKER_00]: But you got to adjust this to your reality.
8:07
[SPEAKER_00]: If you're in a high-cost area, you'd need might need to be right around 60%.
8:12
[SPEAKER_00]: But the key is really having clarity.
8:15
[SPEAKER_00]: If you don't know your numbers, you honestly can't build margin.
8:19
[SPEAKER_00]: And one of the key things I'm really focusing on in the year of 2026 is financial freedom and we get to financial freedom with having margin.
8:27
[SPEAKER_00]: And remember, I wrote this down before margin is how much money do you have coming in, how much money do you have going out and in between is margin.
8:36
[SPEAKER_00]: Which leaves me overstep number three, because the way to build margin and to protect our margin is you got to build an emergency fund.
8:46
[SPEAKER_00]: This is what I call my peace fund.
8:50
[SPEAKER_00]: This is not just for emergencies, but this is for me to have margin.
8:57
[SPEAKER_00]: emergencies, the unknown is becoming the new normal.
9:02
[SPEAKER_00]: We have people losing jobs, medical bills, car repairs, and let's be honest, the jobs that can give you a warning that they bought to let you go, and that can give you 30 days notice, and let's be honest, sometimes our body
9:27
[SPEAKER_00]: You may just make wake up one day and just your car won't start, or you get a flat, or just never know.
9:36
[SPEAKER_00]: Bank rate last year came out with a study and said that 70% of Americans can't cover a $1000 emergency.
9:48
[SPEAKER_00]: This means that if you lined up 10 of your closest friends, 7 out of 10 of your friends,
9:53
[SPEAKER_00]: while they look good on the outside, while they're smiling, while they smell good, while they got on their latest and the greatest things.
10:00
[SPEAKER_00]: If you go look at their back account, if an emergency happened to day, they cannot take care of it.
10:07
[SPEAKER_00]: Here's my goal for you.
10:09
[SPEAKER_00]: I want you to start with just a thousand dollars.
10:13
[SPEAKER_00]: Put a thousand dollars inside of a high yield savings account.
10:17
[SPEAKER_00]: Then from there, I want you to go ahead and move it up to one month of your net pay.
10:22
[SPEAKER_00]: Then from there, once you get out of consumer debt, I want you to set aside 36 months of your average net pay in a high yield savings account.
10:32
[SPEAKER_00]: Listen, interest rates are down from 5% to 3.5% to 4% in 2026.
10:39
[SPEAKER_00]: But that's still better than a 0.03% at a big bank night bank of America.
10:46
[SPEAKER_00]: I want you to split your savings across two to three high yields accounts to maximize your interest.
10:52
[SPEAKER_00]: Open up an account was so far and open up an account maybe with public.
10:56
[SPEAKER_00]: As a matter of fact, check out this quick commercial giveaway more information on the right savings account.
11:02
[SPEAKER_00]: This is family.
11:03
[SPEAKER_00]: If your savings account is earning less than 1%, you're literally donating money back to the bank.
11:09
[SPEAKER_00]: You see, traditional savings accounts are paying pennies.
11:12
[SPEAKER_00]: While high-year savings accounts are paying dollars, and the gap is costing you real wealth every single year.
11:21
[SPEAKER_00]: I'm going to get real with you here real quick.
11:23
[SPEAKER_00]: When $10,000 a regular bank might pay you $40 a year, but a top high yield savings account that's $400 to $500 a year just for moving your money.
11:33
[SPEAKER_00]: That's hundreds of extra dollars in your pocket.
11:37
[SPEAKER_00]: No extra work, no risk, and your money stay safe, and FDIC ensure nearly one in four Americans have zero emergency savings, and most who do are missing out on free money.
11:50
[SPEAKER_00]: By leaving their cash and lazy accounts, Ohio savings account is the fastest, simplest upgrade you can make to hit your emergency fund and short-term goals faster.
12:02
[SPEAKER_00]: So, listen, stop letting your heart earn dollars stay lazy.
12:05
[SPEAKER_00]: Visit anthonyonil.com for SaaS savings, compare the best high-year savings accounts and open yours in literally two minutes.
12:13
[SPEAKER_00]: Every extra dollar interest gets you closer to financial freedom, so please do not wait.
12:19
[SPEAKER_00]: Don't let another year go by earning pennies.
12:23
[SPEAKER_00]: Go to anthonyonil.com for SaaS savings, let your money start working for you today.
12:29
[SPEAKER_00]: All right, let's keep back to the show.
12:34
[SPEAKER_00]: I've had seasons where my emergency fund paid for a car repair.
12:39
[SPEAKER_00]: I've had seasons where I had to jet home to California because of a family emergency and my emergency fund covered that expense and checked this out.
12:51
[SPEAKER_00]: My emergency fund even pays for my date night.
12:56
[SPEAKER_00]: not that I'm dating like that in 20, 20, 60s days and time.
13:01
[SPEAKER_00]: But when you mean Anthony, I thought we don't go inside of our emergency account for days.
13:05
[SPEAKER_00]: I don't.
13:06
[SPEAKER_00]: But because I have a year worth of my average net pay inside of a savings account, my return on interest is relatively very high.
13:17
[SPEAKER_00]: So I use the free money to pay for my days.
13:20
[SPEAKER_00]: Listen, that's what I call freedom.
13:27
[SPEAKER_00]: That's what I call, if I have a bad month on my job on my job, which is my business, I'm not really tripping because I've done and laid the foundation to protect Anthony O'Neill.
13:42
[SPEAKER_00]: This is why I'm very, very consistent with my team members.
13:46
[SPEAKER_00]: Like, hey, y'all, listen, I'm not going inside of my personal account to cover the business.
13:58
[SPEAKER_00]: Because these move to step number four, and this is something that I teach again to all of my staff and all of my team members, invest into your future.
14:16
[SPEAKER_00]: I don't want to live too much on this one because I think sometimes I can get a little
14:28
[SPEAKER_00]: and your margin, aka your buffer is all set.
14:32
[SPEAKER_00]: This is when we have to come up with a strategy and plan to build well.
14:37
[SPEAKER_00]: This is when we start making our money work harder than what we do.
14:43
[SPEAKER_00]: Don't forget, I always tell you to put your first 10% into tie the offerings on.
14:49
[SPEAKER_00]: I'm just a Christian and I always believe that 22 to 25% of my income is going to be invested every single paycheck.
14:58
[SPEAKER_00]: 10% goes a tie.
15:00
[SPEAKER_00]: Then the other 12 to 15% is going to go into a 401k or 4, 3, b, a index fund, a ETF stocks, you know, whatever your country, whatever your job offers.
15:15
[SPEAKER_00]: What is a goal?
15:17
[SPEAKER_00]: I want you in 2026 to contribute 10 percent to a local church because that's the secret weapon when it comes to investing.
15:32
[SPEAKER_00]: That's not about compound interest.
15:33
[SPEAKER_00]: That's about just giving God back 10 percent of what's already his so that he could trust you with more.
15:40
[SPEAKER_00]: Then next, I want you to contribute anywhere between 12 to 15 percent with 15 percent being the goal of your paycheck.
15:47
[SPEAKER_00]: I want to put that again inside of an index for an inside of an IRA inside of a 411K inside of a 413B.
15:55
[SPEAKER_00]: I want you to really, really pay attention to this, because watch this, if you just invest $7,500 a year for 40 years at a sale in an average eight percent, the S&P 500 was averaging technically about 10 to 12 percent, but if you just invest that over 40 years at eight percent, you'll have $2.1 million by the time you're ready to step away from having to work.
16:21
[SPEAKER_00]: I really don't like the term retiring because I'll never retire from teaching.
16:26
[SPEAKER_00]: Now I may retire from the table, but I'm never going to retire from actually teaching because I enjoy what I do and what I'm saying is I'm building a portfolio that will allow me to continue doing every single thing that I enjoy doing.
16:42
[SPEAKER_00]: beyond 55.
16:44
[SPEAKER_00]: I'm 42 this year in 2026.
16:46
[SPEAKER_00]: So I'm giving myself 10 to about 12 years of just really strategic investing, strategic placement.
16:54
[SPEAKER_00]: So when I turn around 55, I could be an HBCU president.
16:58
[SPEAKER_00]: And I'm not worried about that salary because my investment portfolio is funding my whole lifestyle.
17:03
[SPEAKER_00]: And I ain't got no debt.
17:04
[SPEAKER_00]: I'm driving my dream cars.
17:06
[SPEAKER_00]: I live in my dream home and it's paid for.
17:07
[SPEAKER_00]: Listen.
17:11
[SPEAKER_00]: Don't just max out your 401k and call it a day.
17:15
[SPEAKER_00]: I need you to diversify it.
17:17
[SPEAKER_00]: Roth IRA, which is tax-free growth, 7500 dollars a year.
17:22
[SPEAKER_00]: A taxable brokerage account for extra investing, which is going to be a good index fund, a good ETF.
17:30
[SPEAKER_00]: real estate side businesses or weeks for multiple streams of income?
17:36
[SPEAKER_00]: What I need you to do today is I need you to open up a brokerage account today.
17:42
[SPEAKER_00]: I need you to go into your a four month portfolio and tell it how to invest.
17:48
[SPEAKER_00]: As a matter of fact, I personally use so far invest, but it's like four other companies that I believe that are amazing companies.
17:56
[SPEAKER_00]: So it's a matter of fact, check this out.
17:59
[SPEAKER_00]: Check this out, family!
18:01
[SPEAKER_00]: Did you know that nearly 4 in 10 Americans still have zero money invested in the stock market?
18:08
[SPEAKER_00]: That's a gas where wealth is built on missed.
18:11
[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.
18:23
[SPEAKER_00]: I want to make this plan.
18:24
[SPEAKER_00]: If you wait just five years to start investing, you could lose out on hundreds of thousands of dollars and teacher wealth.
18:30
[SPEAKER_00]: That's not hype.
18:31
[SPEAKER_00]: That's real math.
18:32
[SPEAKER_00]: The wealthiest 10% of Americans now own over 90% of all sucks, because they started and they stayed consistent.
18:40
[SPEAKER_00]: But here's the thing, you don't need to be rich to honestly get inside of them best in care.
18:45
[SPEAKER_00]: With platforms, like so-fi and best public and mobile, you can open the account today.
18:51
[SPEAKER_00]: Start with as little as a doubt, literally, and buy fractional shares of the same assets that have built generational wealth for millions.
18:58
[SPEAKER_00]: No commissions, 100% no excuses on your income.
19:01
[SPEAKER_00]: Listen, I need you to hear me clearly, stop sitting on sidelines.
19:05
[SPEAKER_00]: Go to amphonyomio.com for session best right now to compare the top investing platforms and opening your first investing account today.
19:13
[SPEAKER_00]: Your future self and your children's children will thank you for taking action right now.
19:19
[SPEAKER_00]: We have to start building well, not just watching others get rich.
19:24
[SPEAKER_00]: do not let another year go by.
19:26
[SPEAKER_00]: As a matter of fact, don't let another day go by.
19:29
[SPEAKER_00]: Take the first step down.
19:30
[SPEAKER_00]: Visit amphonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyonyony
19:49
[SPEAKER_00]: One thing that bothers me about what I see online is everything is millions, millions, millions, if you want to be this millionaire, you know, you got to do this, you got to do that.
19:56
[SPEAKER_00]: Let me tell you the secret, not the secret, because there's no secret, because God's word is for everybody.
20:03
[SPEAKER_00]: So there really are no secrets, and I'm not a gatekeeper.
20:09
[SPEAKER_00]: Consistency.
20:11
[SPEAKER_00]: beats timing every time.
20:14
[SPEAKER_00]: Consistency beats perfection.
20:18
[SPEAKER_00]: Consistency with a clear strategy and system will produce you a hundred thousand dollars in your portfolio.
20:31
[SPEAKER_00]: It will produce you seven figures in years that come in your portfolio.
20:37
[SPEAKER_00]: Don't listen to all these internet individuals who have sold courses, who have sold dreams made a million dollars and tell you, hey, this is how you need to do it, it's simple, it really
21:06
[SPEAKER_00]: consistently over a long period of time, I play golf and I think I'm a pretty decent golfer, right?
21:22
[SPEAKER_00]: I'm not losing that many balls.
21:26
[SPEAKER_00]: I can enjoy the golf round, but I told myself during a winter months, when nobody is out there golfing, when an average person puts their golf clubs
21:37
[SPEAKER_00]: I'm going to hire a coach and my coach assignment every single day, I need you to practice for 15 minutes every single day and if you do that consistently and you follow this system that I'll put out for you, I guarantee you when this warms up in April, I'm recording this in January, so within three months you're going to see what consistency
22:08
[SPEAKER_00]: I'm not even hitting a ball half of the times when I'm practicing.
22:13
[SPEAKER_00]: I'm teaching myself muscle memory.
22:17
[SPEAKER_00]: I'm consistently, okay, that's it, pull them out, back to it, back, shab out, okay, that's it.
22:25
[SPEAKER_00]: And so you gotta do something consistently for a thousand times for it to actually register.
22:33
[SPEAKER_00]: If you just consistently put $50 into an IRA, put $100 into an index fund, and when you know it, when you look up, after you put it in there for five, 10 years, like what in the world?
22:47
[SPEAKER_00]: Yo, yo, I talked about automation before, and I'm gonna get to step five.
22:52
[SPEAKER_00]: I talked about automation before, and I automatically put money into my brokerage account, via my financial advisor, Injadeko.
23:01
[SPEAKER_00]: And, man, I don't really look at it until the end of the year when we talk about, hey, where else, or do I need to max out on to say for investments, but then when I look at the end of the year, I'm like, good, gosh.
23:12
[SPEAKER_00]: What?
23:12
[SPEAKER_00]: Like, I forgot I was putting money over there.
23:14
[SPEAKER_00]: I forgot I was putting what?
23:18
[SPEAKER_00]: It feels good to see that kind of money to sit in the count.
23:21
[SPEAKER_00]: And you're going to feel good when you see what consistency brings you when you're family.
23:28
[SPEAKER_00]: Step five, step five.
23:31
[SPEAKER_00]: every picture.
23:34
[SPEAKER_00]: You got to pay off your consumer debt using a desk mobile method.
23:37
[SPEAKER_00]: I want to get real with you for a second.
23:41
[SPEAKER_00]: I want to get real, real, real, real with you for a second.
23:51
[SPEAKER_00]: I hate that.
23:54
[SPEAKER_00]: And I know I was talking to someone that is considering on joining my team to help me get my message out.
24:04
[SPEAKER_00]: And she was just telling me, tell me one thing about you that separates you from other financial people online.
24:12
[SPEAKER_00]: I said, well number one,
24:14
[SPEAKER_00]: Ask the Wimbabwe school to get my bachelor's in master's in me.
24:18
[SPEAKER_00]: Number two, I am an actual professor teaching us whom we're economics.
24:23
[SPEAKER_00]: Number three, I'm back.
24:25
[SPEAKER_00]: I'm continuing my education to get my doctorate in finance and investing.
24:30
[SPEAKER_00]: I said, but here's the biggest thing.
24:33
[SPEAKER_00]: I hate it.
24:38
[SPEAKER_00]: This world we want to teach leverage debt, but the truth of the fact is, if 70% of American people are living paycheck to paycheck, they didn't leverage debt, debt put them into bondage and that if we don't really wait this up, slavery has a new form, as a new color to it.
25:08
[SPEAKER_00]: Slavery is not just for back people anymore.
25:15
[SPEAKER_00]: Slavery is for anyone who do not understand how the color green works.
25:22
[SPEAKER_00]: Slavery is for anyone who doesn't care about their peace, who doesn't care about margin, and who doesn't care about their future.
25:34
[SPEAKER_00]: Slavery is dead because the bar where it's slave to the lender Slavery So I get so confused when I hear all of these people telling people oh levers dead levers dead levers dead levers dead But I might make can we wake up 70% of the people have they tried it?
26:01
[SPEAKER_00]: They got a credit card, they borrowed money.
26:04
[SPEAKER_00]: Now, when they see their phone ringing, they hit ignore when they don't recognize the number, because they're scared it's a bill collector from some of who they owe.
26:12
[SPEAKER_00]: But yet, we still want to scream.
26:13
[SPEAKER_00]: Leverage debt?
26:17
[SPEAKER_00]: No.
26:18
[SPEAKER_00]: If you want to build real wealth and have true financial freedom, you we have to start teaching, get free from debt.
26:26
[SPEAKER_00]: Period.
26:30
[SPEAKER_00]: Now I know there's going to be some experts watching this and I'm going to argue all this dotted up.
26:34
[SPEAKER_00]: Man, get the heck about it here.
26:38
[SPEAKER_00]: I would love to have a real argument with real, I say, argument, a real conversation with somebody's people and let's bring actual data and actual numbers to the table.
26:54
[SPEAKER_00]: Let's have that conversation.
26:59
[SPEAKER_00]: Oh, many of you, if you leverage your credit card, you get to points and get free miles.
27:02
[SPEAKER_00]: No, no, no, pause, pause, pause, pause.
27:06
[SPEAKER_00]: 93% of the people who have a credit card do not pay it off every year.
27:10
[SPEAKER_00]: But if you ask, if I put 100 people in the room who have a credit card and you ask them, how many of you have paid off every single month, 90% of them are gonna raise their hand.
27:21
[SPEAKER_00]: But credit card companies are saying, well, that's a lie.
27:26
[SPEAKER_00]: Because I really want you to think about it.
27:29
[SPEAKER_00]: If everybody was paying off the credit card, every single month, let's just say, 50% of their people in the world was paying off the credit card.
27:42
[SPEAKER_00]: How does a bank make money?
27:51
[SPEAKER_00]: They make money by getting interest off of the money that they loan us.
27:59
[SPEAKER_00]: I'll get passionate about this message and I said I don't want to scream.
28:10
[SPEAKER_00]: But as I when I think about it, man, do you know how many people I've said down with?
28:21
[SPEAKER_00]: And I see them working 60, 70, sometimes even 80 hours a week.
28:31
[SPEAKER_00]: $4,000 and $5,000 a month, I still can't enjoy life.
28:47
[SPEAKER_00]: I've seen mothers cry because they can't get their children closed.
28:52
[SPEAKER_00]: I've seen parents emotional because they can't send their kids to
29:01
[SPEAKER_00]: They're dream college, and I'd been that guy, I was that kid to where my parents couldn't buy me a car, to where my God parents, the vines, cave me, hey God, and when I think about
29:34
[SPEAKER_00]: see how debt ruins marriages.
29:37
[SPEAKER_00]: I see how debt and not really utilizing money the correct way as a tool.
29:45
[SPEAKER_00]: End marriages create family drama separate friendships.
29:52
[SPEAKER_00]: This is why a T.S.D.S.
29:53
[SPEAKER_00]: Noble.
29:56
[SPEAKER_00]: I'm going to give you the Death Snowball method.
29:58
[SPEAKER_00]: I'm going to put inside of today's show notes.
30:00
[SPEAKER_00]: If you go to anthonyoneo.com, there's a free ebook that literally walks you through how to work the Death Snowball.
30:09
[SPEAKER_00]: It's 100% free.
30:11
[SPEAKER_00]: This typing in name you email address and we'll automatically send it to you.
30:15
[SPEAKER_00]: But the Death Snowball is the best thing out there.
30:18
[SPEAKER_00]: Don't let people tell you to pay off your high interest that first.
30:21
[SPEAKER_00]: No.
30:21
[SPEAKER_00]: This is not about math because it feels about math.
30:24
[SPEAKER_00]: That's beyond us.
30:25
[SPEAKER_00]: We won't be we would not be in this situation That snowball builds momentum.
30:31
[SPEAKER_00]: That snowball.
30:32
[SPEAKER_00]: Let's you see small wins.
30:33
[SPEAKER_00]: That snowball Let's you get a taste of a win and then when you get a taste of a win you want more of a win So you line up all your debt from smallest to largest and say you got a 500 credit card thousand all alone and then ten thousand all in student loans or you make your minimum payments on all three
30:51
[SPEAKER_00]: and then you take any extra money that you have and you put it on the very first 1,500.
30:57
[SPEAKER_00]: So, once you pay that off, all that money that you have that you spend on it monthly, you're going to put that on top of the monthly payment you was paying on a thousand.
31:05
[SPEAKER_00]: Then you pay that off and all that money that you was paying a month on that thousand, you're going to put all that on top of the monthly payment you was paying on a $10,000
31:22
[SPEAKER_00]: Again, if you go to anthonyoneo.com, click on free resources.
31:28
[SPEAKER_00]: I literally walk you through exactly what you need to do and how to do it.
31:33
[SPEAKER_00]: It's 50 pages is 100% free.
31:38
[SPEAKER_00]: The average American household pays about 2,000 dollars a year in credit card interest.
31:49
[SPEAKER_00]: That's money.
31:50
[SPEAKER_00]: You could be using to build wealth for your children's children.
31:55
[SPEAKER_00]: Isn't it sad that specifically with an African-American community, I haven't done any research in other communities, but we leave our children with debt.
32:09
[SPEAKER_00]: We leave our children with bondage, not with the legacy, not with money.
32:16
[SPEAKER_00]: I'm tired of us only being able to leave our children with smells and memories.
32:21
[SPEAKER_00]: While smells and memories are important, money is too.
32:26
[SPEAKER_00]: Businesses are too.
32:27
[SPEAKER_00]: A home is too.
32:33
[SPEAKER_00]: Here's why I need you to do.
32:36
[SPEAKER_00]: I need you to list all your debt tonight.
32:40
[SPEAKER_00]: Then I need to automate your minimum payments.
32:44
[SPEAKER_00]: Then I need to work that desk no-ball, ASAP.
32:48
[SPEAKER_00]: But here's the key thing though.
32:50
[SPEAKER_00]: As you're working that desk no-ball, I need you to celebrate every single win.
32:56
[SPEAKER_00]: If you pay off one credit card today, hey man, go out to a real nice roast for on the set of the break.
33:01
[SPEAKER_00]: Then come back and get focused.
33:04
[SPEAKER_00]: And pay off that next step.
33:05
[SPEAKER_00]: Pay off that next step.
33:07
[SPEAKER_00]: Pay off that next step.
33:09
[SPEAKER_00]: As a matter of fact, if you are on your debt free journey, or let's say recently, you've paid off all your debt.
33:18
[SPEAKER_00]: Can you send me a picture of yourself if you're married to a picture of you in your couple?
33:24
[SPEAKER_00]: of how the journey was and how much debt you paid off.
33:28
[SPEAKER_00]: Sometime this year, I am going to create a page on my page of how many people within our community, how much debt we have, and how much debt we're paying off, and how much savings we have, and how much money we're saving.
33:47
[SPEAKER_00]: I remember when I was living in a paycheck drowning in debt.
33:51
[SPEAKER_00]: The first time I paid off my credit card, it felt like I could breathe a little bit better.
34:04
[SPEAKER_00]: I felt like, okay, wait, I can do this.
34:07
[SPEAKER_00]: And that momentum carried me through the rest.
34:11
[SPEAKER_00]: And I never forget the day I paid off all of my debt.
34:14
[SPEAKER_00]: No, I wasn't rich, but I felt like I was.
34:17
[SPEAKER_00]: Because now every single paycheck that I have that I'm getting moving forward, I control where it goes.
34:24
[SPEAKER_00]: It's not automatically being spent before I even got it.
34:29
[SPEAKER_00]: And family, that's what I want for you.
34:32
[SPEAKER_00]: And family, that's what you're gonna get this year in 20, 20, six.
34:43
[SPEAKER_00]: Put in a comment section.
34:45
[SPEAKER_00]: What dead are you going to attack first?
34:49
[SPEAKER_00]: Let me know.
34:50
[SPEAKER_00]: Is it credit cards or car?
34:52
[SPEAKER_00]: What is your smallest dead?
34:55
[SPEAKER_00]: What is your smallest dead?
34:57
[SPEAKER_00]: Remember as we're ending the show.
35:02
[SPEAKER_00]: You can't build wealth while you're drowning in debt.
35:11
[SPEAKER_00]: your escape plan.
35:14
[SPEAKER_00]: And let's get free together.
35:16
[SPEAKER_00]: Actually, I have one more step I'm going to go through.
35:18
[SPEAKER_00]: I totally forgot about that.
35:22
[SPEAKER_00]: which is, I think, an important one.
35:24
[SPEAKER_00]: Actually, I think I got two more.
35:25
[SPEAKER_00]: Yeah, I got two more.
35:28
[SPEAKER_00]: Let's call this one step six.
35:30
[SPEAKER_00]: Step six.
35:32
[SPEAKER_00]: I need you to build multiple strings of bank them.
35:35
[SPEAKER_00]: And 2026 relying on one paycheck is super risky.
35:39
[SPEAKER_00]: I think it said 65% of self-made millionaires have at least three streams
35:46
[SPEAKER_00]: of income, and watch this, they used the word income, but before that, these are self-made millionaires.
35:55
[SPEAKER_00]: So, I want to kind of update this because I want to quote ink.com correctly from that issue here this study, but for me as I was reading this study, 65% of these millionaires have generated wealth streams, not just income streams, and see income streams is something
36:15
[SPEAKER_00]: wealth requires your money to make more money, all right?
36:23
[SPEAKER_00]: Now when we talk about this, I want you to figure out what are some things you can do that can generate you more income because we got to start somewhere, right?
36:34
[SPEAKER_00]: You got to start, you have to start at the place to where you are exchanging your time for income.
36:40
[SPEAKER_00]: and then you got to have a strategy to when you get the income, how can you then go back and exchange that income for more income?
36:50
[SPEAKER_00]: One of the greatest ideas I think you could do when it comes to exchange in time for income is honestly getting into AI.
36:58
[SPEAKER_00]: and getting into AI, getting a boot camp for six weeks, learning AI, learning AI, automations, learning AI, QA, and then turning that either into a job, a second job, or my goal for you is to turn it into a side job into freelance work.
37:17
[SPEAKER_00]: Right now, I pay a gallon average $8,000 a month to do automations, for an example.
37:22
[SPEAKER_00]: When you all go to anthonyl.com for SAS Free Resources, and you're just giving your name and your email address, and you get the free e-book and return, that's automations.
37:40
[SPEAKER_00]: So I got to pay some who can build the funnel, get your name email, boom, populate into our system, send to another system.
37:46
[SPEAKER_00]: Hey, they want the free e-book.
37:48
[SPEAKER_00]: Okay, boom, we're gonna automatically send it to them.
37:52
[SPEAKER_00]: That's our omatians.
37:54
[SPEAKER_00]: Another thing you could do is content creation, man.
37:57
[SPEAKER_00]: Listen, I just jumped back on to TikTok.
38:01
[SPEAKER_00]: And I mean, TikTok is paying me money, off of somebody's videos, and I'm like, wait a minute.
38:06
[SPEAKER_00]: YouTube is paying me money.
38:07
[SPEAKER_00]: Thank you so much for subscribing.
38:09
[SPEAKER_00]: Quick pause right there.
38:10
[SPEAKER_00]: If you haven't subscribed, do me a favor, hit the subscribe button.
38:14
[SPEAKER_00]: But if you get into the content creation space, I believe all of us are called to teach.
38:19
[SPEAKER_00]: What is it that you can teach others for free?
38:22
[SPEAKER_00]: and be a guide in someone else's life.
38:28
[SPEAKER_00]: There's so many different things from online businesses or Etsy shop and teaching and coaching real estate.
38:34
[SPEAKER_00]: There's so many different things you can do to exchange your time from money.
38:38
[SPEAKER_00]: But again, the strategy is when I get that money, I don't want to throw it away.
38:43
[SPEAKER_00]: I want to flip it to where that money is now making me more money.
38:49
[SPEAKER_00]: I remember when I started with a hundred dollars in a high-year sales account.
38:54
[SPEAKER_00]: Today I have passive income from investments, from digital products, and from my business.
39:01
[SPEAKER_00]: Here's a truth.
39:02
[SPEAKER_00]: It didn't happen overnight.
39:04
[SPEAKER_00]: Can I be honest with you?
39:06
[SPEAKER_00]: I was sitting down with someone and they were saying, hey, man, I want to build a money brand.
39:10
[SPEAKER_00]: And I said, cool, great.
39:11
[SPEAKER_00]: I have no problem helping you.
39:12
[SPEAKER_00]: We need more people out here in this space that can help people because I know I'm not for everybody.
39:18
[SPEAKER_00]: So if you want to help teach this message by all means, I'm going to help you.
39:22
[SPEAKER_00]: It's like, all right, bad.
39:24
[SPEAKER_00]: Like, can you do feel comfortable telling me how much money you're making a month?
39:28
[SPEAKER_00]: I said, yeah, man, I mean, our company does, you know, a cool, multiple, double to multiple six figures a month.
39:34
[SPEAKER_00]: Oh, oh, I said, but pause, I've been doing this for almost 10 years and I just started doing this that kind of money maybe about four years ago.
39:46
[SPEAKER_00]: That didn't happen overnight and I'm not going to hear a lot to you.
39:49
[SPEAKER_00]: I'm not going to see here and be like, yeah, you could do this.
39:51
[SPEAKER_00]: You can, could can you do it before 10 years?
39:55
[SPEAKER_00]: Absolutely.
39:58
[SPEAKER_00]: I just didn't have the right system to write strategy
40:02
[SPEAKER_00]: It wasn't till I got the right strategy, the right system, the right team that allowed me to do it.
40:06
[SPEAKER_00]: You know, that helped me to do it, that believed in my vision that we was able to get to making a cool, our worst month is going to be a couple of six figures.
40:14
[SPEAKER_00]: Our best month we did about a little, a little, a little over half of a million.
40:22
[SPEAKER_00]: Every stream started with one step.
40:27
[SPEAKER_00]: Every stream started with one step.
40:33
[SPEAKER_00]: And here's something that I don't hear a lot of money, quote, unquote, experts talk about, right, that's fine, but step seven, got to give generously, got to give.
41:01
[SPEAKER_00]: Ren out the studio here in the DMV area.
41:06
[SPEAKER_00]: And we pay a lot of money.
41:11
[SPEAKER_00]: A lot of money in the month, a month.
41:18
[SPEAKER_00]: Nark got a dope team and Ed, our producer is running the studio.
41:22
[SPEAKER_00]: And we have a lot of dope people who are running out.
41:24
[SPEAKER_00]: We just had a few celebrities come through and run out that the spot.
41:30
[SPEAKER_00]: I was telling one of my friends.
41:31
[SPEAKER_00]: I was like, yeah, yeah, yeah, I give Ed X amount of how much money we make because, you know, it's his time.
41:36
[SPEAKER_00]: There's a way we'll wait.
41:37
[SPEAKER_00]: It's a studio paying for a selfie at, I was like, nah, it's like, so you're giving Ed money before you even make profit?
41:46
[SPEAKER_00]: Absolutely.
41:47
[SPEAKER_00]: I was like, why?
41:49
[SPEAKER_00]: So because I just believe in the principle of generosity.
41:56
[SPEAKER_00]: Because if I went by what makes sense,
41:59
[SPEAKER_00]: I wouldn't be paying half of my people when I'm paying them, but I believe in a principle of generosity.
42:06
[SPEAKER_00]: I believe that if I'm generous and if I'm a good steward of God's resources and not just God's resources, but generous to His children, to my brothers and sisters in Christ, who helped me fulfill the vision and assignment that God has given me, that God will dinner return reward us and for some, for, I don't know how, I do not know how.
42:28
[SPEAKER_00]: But we have not skipped a beat.
42:29
[SPEAKER_00]: I've never missed a paycheck.
42:31
[SPEAKER_00]: I've never missed a commission check.
42:34
[SPEAKER_00]: I've never had to not pay myself.
42:38
[SPEAKER_00]: I don't really get commission, you know what I'm saying, but I've never not paid myself.
42:46
[SPEAKER_00]: We've been able to be a blessing to single mothers.
42:49
[SPEAKER_00]: We've been able to give to my local church generously.
42:55
[SPEAKER_00]: We're starting at school and Ghana, that we're building, that we're funding, that hopefully one day will allow you to be a part of it.
43:04
[SPEAKER_00]: I was able to fly my team to Ghana with their spouses, with their children, to see the motherland for free.
43:11
[SPEAKER_00]: And I pay for all of it.
43:15
[SPEAKER_00]: And I really do believe it's because I set aside the first 10% for tithing and forgiving.
43:22
[SPEAKER_00]: I believe that God has blessed this company and blessed my life.
43:27
[SPEAKER_00]: Because I strategically set aside 10% to give and I give over and beyond 10%.
43:38
[SPEAKER_00]: which has allowed us to generate some income from different companies and different partnerships and book deals and et cetera.
43:45
[SPEAKER_00]: So it's like, gotta say, I got you.
43:48
[SPEAKER_00]: And don't get it twisted.
43:50
[SPEAKER_00]: My life ain't perfect, gotta still, he's still be wippin' my behind in regards to certain things.
43:56
[SPEAKER_00]: But when it comes to money, because he knows, I'm a good student over he knows he can trust me with more.
44:04
[SPEAKER_00]: You see, generosity is not because I have to, it's because I genuinely want to be a blessing.
44:12
[SPEAKER_00]: Generosity is the best, wealth ingredient that I know.
44:22
[SPEAKER_00]: If I have to, choose between giving to my local church,
44:34
[SPEAKER_00]: or buying something that is road dope.
44:37
[SPEAKER_00]: I could car, like some Jerry or I could trip.
44:45
[SPEAKER_00]: I'll always ask myself, what's to ROI?
44:47
[SPEAKER_00]: If I invest into this, okay, I'm gonna have an experience I'm gonna have for one, but there's really no ROI outside of that.
44:52
[SPEAKER_00]: But if I give God his 10% there's no cap to the ROI.
44:59
[SPEAKER_00]: It's really on what this guy want to bless me with.
45:04
[SPEAKER_00]: I'm reminded of Luke chapter six.
45:06
[SPEAKER_00]: I think it is verse 38, give and it will be given to you.
45:16
[SPEAKER_00]: And here's the truth.
45:20
[SPEAKER_00]: I've never seen a generous person go broke.
45:24
[SPEAKER_00]: I've never seen a generous person end up on the streets, end up homeless, end up with no food.
45:35
[SPEAKER_00]: And I, and I might even exaggerating y'all when I, sometimes I sit back and I ask God, whoa, where did that come from?
45:44
[SPEAKER_00]: Like, I don't have the answers to how we've made this money.
45:48
[SPEAKER_00]: I don't.
45:48
[SPEAKER_00]: I don't know the answers of how we even got to a million of of you all subscribed and rocking with this.
45:53
[SPEAKER_00]: I'm just being faith.
45:54
[SPEAKER_00]: Some, some shows we may only get 5000 views.
45:59
[SPEAKER_00]: I don't know what God is doing, but I'm just going to keep being generous.
46:04
[SPEAKER_00]: I'm going to keep striving to be a better person.
46:06
[SPEAKER_00]: I'm going to keep striving to practice his word.
46:09
[SPEAKER_00]: I'm going to keep doing the best I can by the team members that he sends to help me for feel his vision.
46:20
[SPEAKER_00]: And I want to, I want to, I want to, I want to park right there for a little bit.
46:26
[SPEAKER_00]: I want to park right there.
46:28
[SPEAKER_00]: Before we get into the last one, let me go in the show.
46:31
[SPEAKER_00]: We're going in today's episode.
46:35
[SPEAKER_00]: There are so many people, man, who are so selfish.
46:44
[SPEAKER_00]: One of the things I told my friend is that, I said, man, I can't afford to not be generous to the people who get up every single day and help me fulfill the vision God has given me.
46:59
[SPEAKER_00]: Because God gave me this vision, and He also sent me helpers to fulfill His vision to help people get out of debt.
47:08
[SPEAKER_00]: I don't want my team to go home to their spouses, to their children, and have to work another job, or they can't enjoy being a father, being a mother.
47:19
[SPEAKER_00]: I don't want that.
47:20
[SPEAKER_00]: I don't want them working for me to feel like a burden.
47:27
[SPEAKER_00]: Yeah, yeah, I'm a sacrifice a little bit so they can enjoy it.
47:31
[SPEAKER_00]: Don't get it twisted, I'm going to enjoy it because I own the company, but at the same time, man.
47:37
[SPEAKER_00]: You see, stewardship is not just about money.
47:39
[SPEAKER_00]: It's also about how are you stewarding the lives that God has put into your life to help you for feel your vision.
47:49
[SPEAKER_00]: How are you stewarding your friendships?
47:51
[SPEAKER_00]: I don't get jealous off of my friends.
47:54
[SPEAKER_00]: Y'all see, I bring in one of my, one of my good friends, Courtney in every single month, because I want to help him get more subscribers.
48:02
[SPEAKER_00]: I want to help this man build something that he and his soon to be wife and his children can, can just be like, wow.
48:10
[SPEAKER_00]: I get excited seeing my friends.
48:13
[SPEAKER_00]: My team members, my loved ones, my family's win.
48:17
[SPEAKER_00]: And I know that I played a small row, and that because of me, but I did what God told me to do.
48:23
[SPEAKER_00]: I was obedient, and I helped, and I served, and now they're winning.
48:27
[SPEAKER_00]: Cause you know why?
48:28
[SPEAKER_00]: They may not, then it returned, bless me.
48:30
[SPEAKER_00]: But I know God will.
48:35
[SPEAKER_00]: I know God will, and God has not let me down.
48:40
[SPEAKER_00]: And I believe it, even when I feel like, hey, God, where you act, he shows up right on time.
48:46
[SPEAKER_00]: And when he shows up, the man shows up.
48:49
[SPEAKER_00]: He makes a grand appearance.
48:53
[SPEAKER_00]: Which leads me to the last thing.
48:55
[SPEAKER_00]: Step number eight, then we're done.
49:01
[SPEAKER_00]: Permission to enjoy.
49:04
[SPEAKER_00]: Okay, I'm not a prosperity preacher,
49:09
[SPEAKER_00]: You have permission to prosper.
49:13
[SPEAKER_00]: You see, what I really want people to know is that wealth isn't just about sacrifice.
49:19
[SPEAKER_00]: It is about freedom.
49:21
[SPEAKER_00]: Give yourself permission to enjoy.
49:24
[SPEAKER_00]: I was on a vacation.
49:33
[SPEAKER_00]: I don't think I have.
49:37
[SPEAKER_00]: I'm a cool, I had, I had, I had some sex figures just sitting in my check in the count.
49:45
[SPEAKER_00]: Because a part of me was scared to go back to being homeless.
49:50
[SPEAKER_00]: I'm one of my past friends, he said, man, Anthony.
49:56
[SPEAKER_00]: You know, guy doesn't mind you enjoying your money.
50:00
[SPEAKER_00]: I say it really.
50:04
[SPEAKER_00]: has like you work hard, you sacrifice a lot of you, you're out of debt, poor.
50:11
[SPEAKER_00]: You don't have to be frugal for the rest of your life.
50:16
[SPEAKER_00]: You don't have to be fearful of going back that way.
50:18
[SPEAKER_00]: Lones you keep God first, you're a human, you're a man, you're gonna make mistakes.
50:24
[SPEAKER_00]: But Lones you're trying every single day to get better and strive towards being a better man of God, a better Christian, just a better man, period.
50:32
[SPEAKER_00]: You know, a better husband whenever you have the opportunity, a better father, whenever you have the opportunity.
50:47
[SPEAKER_00]: I was like, what's your favorite car?
50:48
[SPEAKER_00]: I said, and it's a Bentley.
50:51
[SPEAKER_00]: How much is a Bentley?
50:52
[SPEAKER_00]: I said, man, I could probably get it for, you know, two or three hundred.
50:56
[SPEAKER_00]: He said, go buy it.
50:59
[SPEAKER_00]: And I was scared.
51:03
[SPEAKER_00]: I was scared to enjoy my money.
51:04
[SPEAKER_00]: You know why?
51:04
[SPEAKER_00]: Because I was fearful of what you all was saying.
51:07
[SPEAKER_00]: I'll, you don't need that car.
51:08
[SPEAKER_00]: You could have bought five cars for that amount of money.
51:13
[SPEAKER_00]: But then I realized,
51:16
[SPEAKER_00]: I'm not working for the opinion and the approval of people.
51:24
[SPEAKER_00]: The same people who are going to judge you, the same people who are going to talk about you.
51:29
[SPEAKER_00]: Look at their bank account.
51:33
[SPEAKER_00]: See, what are they drowning in debt and telling you what you don't need?
51:38
[SPEAKER_00]: Are they spending money in other areas while in debt that they should not be spending money in?
51:44
[SPEAKER_00]: I work hard so I can one be a blessing to providing lovely lifestyle to the family whenever that happens and in three so I can enjoy it you you're going to work hard you're going to get up every single day and and you're going to get
52:03
[SPEAKER_00]: Cust out my people, your boss is gonna get on your nerves.
52:06
[SPEAKER_00]: If you got a business, people are gonna get on your nerves.
52:09
[SPEAKER_00]: At least be able to get in a car that you wanna drive.
52:11
[SPEAKER_00]: At least be able to go home to the home that you want to live in.
52:15
[SPEAKER_00]: I've built a life that I do not need a vacation from my life.
52:24
[SPEAKER_00]: I don't have to leave my home.
52:26
[SPEAKER_00]: I got a pool in the backyard.
52:27
[SPEAKER_00]: I got a mini golf course in the backyard.
52:29
[SPEAKER_00]: I'm driving my dream cars.
52:33
[SPEAKER_00]: I don't, I don't need to leave my home because I built it to the point to where I can do a stay vacation and just be, I can be just as happy at home.
52:44
[SPEAKER_00]: I go out there, get me a nice little cocktail, open up the umbrella, sit right there in the pool.
52:53
[SPEAKER_00]: Listen, you don't have to wait until you are 65
53:02
[SPEAKER_00]: Then, you get to enjoy that dead free life.
53:07
[SPEAKER_00]: Let's recap this.
53:10
[SPEAKER_00]: Pay for the Minimals, automate everything, cover your needs, build your emergency fund, and vesting your future.
53:19
[SPEAKER_00]: Pay off all the consumer debt using a desk, no bar method, not the avalanche method.
53:24
[SPEAKER_00]: built multiple income streams that then turns into wealth-building streams, give generously, and enjoy your life.
53:34
[SPEAKER_00]: Listen, family, you're not behind.
53:36
[SPEAKER_00]: You're just not getting started.
53:39
[SPEAKER_00]: Okay?
53:40
[SPEAKER_00]: I really want you to enjoy the year 2026.
53:43
[SPEAKER_00]: I have a lot of great things coming.
53:50
[SPEAKER_00]: I got a lot of great things coming.
53:53
[SPEAKER_00]: Don't forget that we have stopped guessing which of many webinars are free 45 minutes to an hour webinar that I'm doing right here live on YouTube, but if you subscribe to the YouTube channel, okay, if you are a RSVP, we're going to be sending you some free information, following that is going to really help you along your journey for this year of getting out of debt and building well.
54:18
[SPEAKER_00]: All right, so I'll see you on the next video.
54:21
[SPEAKER_00]: Hopefully I'll see you on February 10th.
54:23
[SPEAKER_00]: God bless you.